WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased my home in XX/XX/2017. At that time I paid the property taxes in closing. In XXXX, Ditech paid those taxes again by their own error. XXXX XXXX immediately refunded the payment to Ditech. Since then, Ditech has continued to charge me for the payment they made in error to XXXX XXXX. The refund was not credited to my escrow account and Ditech has increased my monthly payments by nearly {$500.00} to cover the " shortage '' in escrow due to their error. I've contacted the company numerous time. My emails go unanswered. My phone calls are redirected repeatedly or I get hung up on.
My card was used by someone while I was not in the coun try ( USA ).    I have talked to the credit card company and send them copies of my Passport and Airline tickets showing that I was  not in the USA. A nd I have no idea who used my credit card and how? I have never used credit card and not paid in my whole life. Any body can check that.
Debt was paid however it was never removed as agreed, account is still showing it 's in the collections process. Even after validation of debt was never received. I 've requested the information before. I would like a signed contract, showing proof of original date of service, date of delinquency and service address not an account statement. A statement does not prove who opened the account. Account seems to keep re reporting and being re aged instead of having been removed for several violations. Company stated prior that debt does not have to be validated.
The company is XXXX, we bought a car back in XXXX of 2016, we were lied to by the local company in regards to the 0 % APR and they were supposed to pay sales tax but did not. With that said, they made an agreement with us to delay our first payment to XXXX XXXX ... apparently they did not share that info with the corporate office, however. SO they reported us late in XXXX after we made a payment arrangement that THEY told us the dates to do in order to not be past 30 days. So we did exactly that. Yet, we still got hit on the reporting to bureaus. I called MULTIPLE times to have this corrected, asked for conversation recording, even the girl who made the arrangement vowed for us that her and her supervisor told us what dates to make payment on. Yet, no changes were reported on our behalf-this was when I also found out that they showed our 1st payment being XXXX NOT XXXX ... it was at that point I faxed over letter showing what we were told. This year, in XXXX I called again about the XXXX thing to try and get it fixed again. The rep told me an extension agreement for XXXX and XXXX would bring everything back to correction. So I had already made a pymt in XXXX so that applied for XXXX, extension agreement made up for XXXX, I made 2 pymts in XXXX that covered for XXXX. This was all by direction of XXXX and letters from them directly. However, we get another alert saying they reported us 30 days AGAIN for XXXX. 
I have argued, called, faxed, emailed, disputed and mailed everything ... and they STILL won't fix it by reporting it correctly to the bureaus. I was not 30 days late in either month and I simply want it reported correctly. It is effecting me personally, my family and our future!! It is simply wrong on so many levels. I need someone to step in and help me, please.
53 Bank charged a fraudulent charge of {$330.00} OD to an account with a positive balance and they refuse to refund their charge. The account is negative {$57.00} with that charge
My loan was transferred to Bayview Loan Servicing and it has been nothing but a NIGHTMARE! I was doing a Trial Loan Modification and I paid all XXXX payments on time as agreed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX claiming the didnt receive my XX/XX/XXXX payment. I sent proof to XXXX showing it was debit from my account just like XX/XX/XXXX and XX/XX/XXXX payments. She argued with me that it wasnt received. I went to my bank and they thought it was strange also that they claimed they didnt receive my XX/XX/XXXX payment. I called my bank today to asked if they found out what happened and the clearly stated that XXXX XXXX XXXX lied to me! The XX/XX/XXXXpayment was received by XXXX XXXX XXXX and they provided me with the transaction number. XXXX lied to me so that I would file something with my bank and make it look like the funds were returned. XXXX is my witness. I did everything I was supposed to do. They are ripping people off and telling lies about not receiving payments. My Attorney will be handling this because it has STRESSED ME OUT. I HATE A LIAR and I HATE MY LOAN WAS TRANSFERRED TO THESE CROOKS! Please STOP these people from illegally foreclosing on people homes ...
COINBASE Delayed Transaction Your USD will arrive by the end of day on Friday XX/XX/XXXX. 
Created XX/XX/XXXX XXXX PST XXXX USD XXXX BTC Subtotal {$2500.00} Fee {$38.00} Total Payout {$2500.00} Today is XX/XX/XXXX. I have not received my money. I have send numerous emails and tried calling Customer Service with no luck. I have not received a response and no one answers the customer service line, they put you indefinite hold. I 've held for 2 hours, no answer. I really do n't have any idea on what steps to take to get my money sent to me. This company does not have customer service and no way to get information.
I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
To Whom It May Concern, I am writing this letter of plea for assistance. My mortgage company has not been cooperative with obtaining my payoff. I requested a payoff and never received the payoff information as requested. Instead my lender contacted me asking me did I want to refinance. I told him I was selling the house and I need an active payoff. I never received a response from him when I asked to have a conversation. 

The mortgage company said they sent the letters out, but we never received any of the information stating that we had received any of the letter stating that we were being foreclosed. I requested a pay off in early XXXX XXXX of XXXX. My lender, XXXX XXXX, messaged me on XX/XX/XXXX to say, Hey XXXX, We got a payoff notice. Are you wanting refinance or sell the House? Would you have a few minutes to talk? XXXX XXXX -NMLS XXXX. I replied, Hey XXXX. Im selling the house. We can still have a conversation. I never heard from him. 

My title company requested a payoff early XXXX so that we would be able to close ; however, we get a notification before closing that the payoff was never received. I called the mortgage company and the young lady said she had record of it ; however, Land Home Financial and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX office are both stalling. I had a buyer for a my house and it was supposed to close on XX/XX/XXXX. The house was supposed to close, but it was still stalling because they will not give a payoff. 

I requested assistance with my foreclosure packet and never received assistance. Land Home Financial ended our calls several times when I asked for help. I am not sure what to do because they are being uncooperative. Will you help me?
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX GOLDKEY CRED XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very se GOLDKEY CRED XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
On XXXX/XXXX/XXXX I went to add a security freeze to my wife 's account and my account and they are wanting to charge {$5.00} to do this. By placing a security freeze on your credit report for Equifax and their breach is only adding insult to injury. They are looking to make millions by ALSO charging everyone affected to place a {$5.00} charge to do this. So if you have XXXX XXXX people times the {$5.00} charge, you are looking at them making an additional {$710.00} XXXX dollars to place the freeze on your account. That is bull. They should be allowing everyone affected to place a freeze on their accounts free of charge, as well as enrolling in the protection they are offering everyone.
I made my monthly payment online through the companys website on XXXX. The Money Source attempted to withdraw two payments from my checking account on XXXX resulting in three overdraft charges. When I spoke to customer service representative of the Money Source, they each stated they have no control over the portal ( their website for payments ) which resulted in {$90.00} in overdraft fees to my checking account and refused to credit my account for their error.
I received a collection notice for the astronomical amount of {$3200.00} in insurance case where I was the victim from XXXX XXXX XXXX and XXXX. I have filed a complaint with the state insurance office who regulates XXXX XXXX XXXX  and have a bill from State Farm and the car company thats says I owe XXXX.
XXXX my account was reported late I had spoken with a representative on the XXXX of XXXX and she advised me my payment had been return and I needed to make a payment to avoid a late payment on my account. I immediatly took action. The representative gave me false information and my score dropped 70 points! I am in the process of purchasing a home and this has impacted me tremendously. Please advise this company the to remove this and report the accurate information to my report. Below is the letter I sent the company. XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Re :  Acct. # XXXX - XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX - XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of my accounts to the three credit agencies. First of all, let me start by saying " thank you '' for taking time out your busy day/ schedule to read my e-mail. I recently pulled my credit report and discovered that I have 1 '' Late Payment accounts reported with over 31 days delinquencies from XXXX XXXX XXXX with {$0.00} balances. This distressed me because I was unaware that when i submitted my payment someone had compromised my account with my bank therefore the payment was reversed without my knowledge.This adversely affects my ability to the complete the process of being a first time home buyer/owner with a strong credit rating. I 'm just trying to make a better life for my XXXX daughters while working hard as a XXXX XXXX This late report is one of the only things standing between myself and receiving the lowest interest rate available. I realize the position that I did n't proactively check my account statuses and I apologize for that immensely. I have definitely learned a valuable lesson the hard way and hope that you take my request to remove the 1 late/delinquencies off of my credit report into serious consideration. I hope that you will deeply consider my request. I look forward to your reply. In all honesty if not I will just close my account with commenity bank giving that fact I know I will be a loyal customer and shop wisely but I just need your assistance in this matter. Credit is impoortant to me because when I found out the payment was reversed the rep assured me I caught it in time and i submitted the payment XXXX XXXX. I was given inaccurate information and was told as long as im not 30 days past due and she assured me I wasnt. Please let fix this and move forward. Sincerely, XXXX XXXX XXXX XXXX XXXX
On XX/XX/18, I received an alert from a credit monitoring system that I was 90 days late on my student loan serviced through Nelnet. I called and spoke with Nelnet and advised that I had spoke with a representative back in XXXX. I asked her what we could do to try and remove the 90 day late pay and she immediately jumped to defense and only told me that she could not do this and that the late pay would stay. She never offered me an investigation or even to speak with upper management and now this has totally ruined my credit because of error that they made on their part.
XXXX   XXXX  installed an air condition system in my home. I paid {$700.00} to fix installation errors out of my own pocket. I was paying {$100.00} as I understood would be my payment. Now this  Corporation  says my interest rate went from 5.6 % to 13.99 %. I 'm a  XXXX  Veteran with Service connected  XXXX   XXXX   XXXX   XXXX  which I told them. I called them and asked them tom help me. They said I was  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Please help me.
On  XXXX / XXXX / 2017  i sent a certified letter to Exper ian ( atta ched below ) to dispute how a bankruptcy was being reported on my credit report. The certified letter was signed for on  XXXX / XXXX / 2017  by them and they responded with a letter on  XXXX / XXXX / 17  stating that the  US BKPT  CT in  XXXX  IL was reporting the Bankruptcy. The address listed on the credit report is incorrect and I have since found the correct address and written a letter to th e US FEDERAL BKPT CT  in  XXXX  IL requesting the clerk send to me their procedures on reporting to the bureaus '. On  XXXX   XXXX  I received a letter from the clerk which I have attached claiming the court does not report to the bureaus ' directly. Therefor the information on my credit report Experian is reporting is inaccurate.
Greetings, I am a resident of NC and a home owner that has had some hardship as having no employment to working XXXX jobs to keep my home. Ive submitted a loan modification to OCWEN a loan bank to please make adjustment accordingly to my income and adjust my interest rate to be affordable. However, they have denied and proceeded with attorney to for foreclosure / or short sale. I submitted paperwork and documents requested, paystubs employer statements over and over and they down play my income and deny any options. By the time you receive this i would hope that I am not put out. I would hope that they consider this is where i live. I want my home and I surely will pay. I only asked for a lower interest rate and an affordable payment. What affordable XXXX XXXX dollars with an interest rate of at least XXXX. 
They told me not to go to court that they would delay the foreclosure when in all I should have went and talked to the Judge. It seems they want me to lose the home giving such misleading advice.
The agency continue to report I owe XXXX for cosigning on a loan. I never cosigned for anyone and the agency continues to file false information. I have not signed anything to cosign for anyone.
I receive 3-4 calls a day from XXXX. Every time I answer, the phone immediately hangs up. 

When I call the number back, a representative says the call is being monitored & asks for name. Representative then pretends that they ca n't hear me when I ask what the call is about. After the rep. says " Hello '' 3 times, they hang up.
I contacted XXXX XXXX XXXX ( XXXX  ) to inquire about my student loan debt, but they could not prove the amount. I asked for paperwork and it took a long time for them to supply it. In addition, a large portion was fees that were owed was payable to their company. In addition, in XX/XX/XXXX they agreed to forgo wage garnishment until I validated the debt. I received a notice of cancellation of garnishment in XX/XX/XXXXbut a notice of wage garnishment in XX/XX/XXXX. This is not enough time to research a decades-long debt. I was told to send an email to XXXX and I did. They stated that they received no such email. Finally, they did not offer any reasonable repayment amount as I am recovering from XXXX  and I only have a part-time XXXX XXXX position.
I attempted to contact Santander Consumer and XXXX XXXX XX/XX/XXXX about accounts I had with them. I wanted them to send me information on when the account was opened and paid off. I contacted them via mail and sent a certified letter. I gave them 30 days to respond. No response. Contacted XXXX about the situation and asked them to remove the debts. It has been over 30 days and no response from XXXX and I sent them a letter certified as well.
Attempted to foreclose on home without reason and proper notice or documents. I also must say that when I notified XXXX of the issues they seemed to really want the issues resolved and did give me the impression that they were not involved in the fraudulent issues at all. I do believe that they were an innocent party in the document production and were not interested in moving forth when they were made aware of the issues. I am filing this claim because it seems that the companies have changed but that they may also have in their files this information in case I have to deal with them as substitute trustees again. I has come back to them 3 times in the past. I have attempted to follow thru so that truly innocent companies are not drawn into where not involved. They listed my home on the internet for sale without notifying me for foreclosure .They were given incomplete info for doing so but proceeded anyway until I contacted them. Had someone not told me it would have been accomplished. I want this resolved
Beneficial Homeowner Service Corporation is not taking responsibility for incorrectly posting a payment to our home loan in XXXX 2014. They took our XXXX 2014 payment and applied it to XXXX 2014 after they had already posted a payment to the account for XXXX 2014. In XXXX 2014 they told the bankruptcy court that we were up to date. In XXXX 2014 they told the New York State Attorney General that we were up to date. Their own accounting records which they sent to us show that we were up to date when they made this mistake in XXXX 2014. When they sold our loan to XXXX effective XXXX XXXX, 2014 they provided them with false information forcing XXXX to assess their own late fees and require us to make another monthly payment to bring our account current. It is clear that Beneficial can not understand and decipher their own accounting records.
My loan started with XXXX and then went to XXXX and now back with Navient. During the time my loan was with XXXX I requested several drop in payments due to inability to pay. They told me that due to my income they can not do anything but I pay alimony and could not pay what they were asking. Now that it is with Navient again I have requested a reduction in monthly payments and they have told me there is nothing they can do. I have a lot of debt and struggle to pay it all. I pay alimony and child support as well. I believe i have been charged a lot of interest and late payment charges over the years that were unfounded.
Equifax is reporting inaccurate information on my credit report passed the 7 years statue of limitations in California ... some of the items are 14 yrs old ... why?? these items shouldve been deleted years ago..
I took out a virtual credit card with TD Bank that provides XXXX XXXX to buy and exercise bike. There was a 18 month interest free period. I went online to setup a monthly payment and they would not let me set up a fixed payment each month so that it would be paid off in full at the end of the period. I would have to login and make a payment every month. I think this is sharp practice in that they are trying to make it more difficult to stick to the terms of their interest free promotion and that they must allow customers to pay off debts within the promotional period. If I missed a payment or did n't pay off the amount by the end of the period I would be subject to nearly 30 % interest.