WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed my credit report online and have n't heard from the company at all. After checking my credit report on XXXX XXXX I realized that the credit bureau did not take the required actions to delete the requested accounts. The XXXX credit bureas has taking out the requested information from my credit report, but Equifax is refusing to do it by not working my credit report and getting back in touch with me.
My loan was transferred from XXXX to Nationstar/Mr. Cooper effective XX/XX/2018. At the time of the transfer, XXXX was processing three insurance claim checks totaling {$26000.00}. The checks were for water damage repairs sustained at my house on XX/XX/2018. I had provided XXXX with all documentation necessary to release the funds to me, but the checks were not processed in time prior to the transfer ( it was still within XXXX 's 3-5 business day processing window ). 

Since the transfer of my mortgage on XX/XX/XXXX ( nearly two months ago ), Nationstar has failed to release these funds to me. Both my contractor and I have called Nationstar over a dozen times in the last two months to determine why the funds have not been released and we keep receiving different answers. We have been told numerous times that they have all documentation necessary to release the funds, but only to be told more documentation is necessary. Most recently, I was told on Monday, XX/XX/XXXX they needed a signed contract from me and my contractor, although they already had the signed contract on file. Nationstar also confirmed at that time that no further documentation was necessary. Today, XX/XX/XXXX, Nationstar has now informed they need another XXXX provided by my contractor even though they acknowledge they already have a signed copy of the XXXX in their files. The endless requests for documentation ( which they already have ) have caused numerous delays in receiving these funds. Nationstar 's refusal or gross negligence in handling this claim is causing my contractor to be unable to pay his own bills and payroll and to threaten legal action against me for nonpayment. 

In conjunction with the handling of my insurance claim, Nationstar has mishandled both of my mortgage payments in the first two months they have held the loan. As of XX/XX/2018, my account is showing past due even though I have provided full payment for each month timely. They have explained to me the error was caused by applying the funds as additional principal instead of to interest and principal. Please note that I had set up and authorized these payments pursuant to Nationstar 's own autopayment procedures. 

( Based on the information stated on the CFPB 's website, I do not want to attach any of my documentation through this portal at this time. Nationstar has records of everything pertaining to my file as is. I will be happy to provide loan and claim numbers upon their request directly. )
A bankruptcy from XXXX XXXX XXXX keep showing on my XXXX reporting companys The problem is they should not be on my report. I sent them proff of the dismissal letter and they overlooked it. They also are still reporting another bankruptcy that was also dismissed back in XXXX it also should not be on my report. As a result of this I am not able to get the Va home loan that I need for my family. I have also been turned down for credit due to this Please get them to take the multiple credit inQuiries off credit so that I will not have a problem getting a loan. I have also asked them to take off a collection from a hospital in texas that did not file my XXXX claim and as a result they have got a collection on my credit that should not be there, I have tried to get them to remove it but I guess they refuse. All want from these people is to clear up the mistakes on my report.
Received phone call from Southern Management Systems on XX/XX/XXXX attempting to collect over {$600.00} based on a lease I guaranteed for my daughter which ended on XX/XX/XXXX. I requested they send me detailed information about the debt including copies of all invoices and charges. I disputed the debt with them, I have not received any further followup from them explaining the nature of the debt. 

If they amount owed is valid, they should have contacted me prior to 9 months. They have already reported it as a bad debt to credit reporting bureaus, yet I still have not received any further information about the debt. I contacted them to follow up on the dispute on XX/XX/XXXX, they could not tell me the status of the dispute.
On XX/XX/2018 at XXXX XXXX, I contacted XXXX XXXX on behalf of a debt that I owe the company. I had a XXXX XXXX XXXX credit card with them with a limit of {$300.00}. I contacted the company in hopes of setting up a repayment plan but instead I was told that there was nothing they could do because I was in the process of being sued and my check would be garnished. I asked for the collection company that I could contact, the young lady could not give me that information. She told me the only thing I could do was pay the {$700.00} in full or I would be sued. I thanked her for her help and told her to have a good day. I checked my credit report and found that they reported that I was supposed to be paying {$13.00} a month. This option was never offered to me. I want a fair chance to resolve this solution if possible.
I received a phone call from XXXX XXXX about a past due bill of {$230.00} on a account that should have been closed XX/XX/XXXX. I was told a phone was purchased in XXXX. XX/XX/XXXX sometime in XX/XX/XXXX and I explained it was fraud, I was not living in XXXX. at the time and lived in XXXX. I asked for them to explain how a phone could be purchased on a closed account and produce my signature or authorization they could not. The phone wasn't even being used with the number XXXX that was in question. I never received a bill and I was not contacted again. I moved back to XXXX. in XX/XX/XXXX and XXXX. was noted as owed dept. I went to the police station and made a police report and sent it to XXXX. XX/XX/XXXX. It was removed from my report. XX/XX/XXXX I received my report and Credence Resource Management posted a owed dept to all credit bureaus {$230.00}. I contacted them, told them this same thing they said a authorized user made the purchase and I told them that is impossible because I didn't live in XXXX. at the time the phone was purchased. I called XXXX XXXX and they said they would investigate. I told them it has been investigated, I sent a report and mailed it AGAIN to XXXX XXXX. I was told I would receive a call back and have not. I got a credit report XX/XX/XXXX and they reported it again. At this point I feel harassed and I have taken the necessary steps to prove this is fraud. I don't want to deal with this anymore.
i got a car loan from santander usa cosumer in XXXX have paid over XXXX to the interest and nothing towards the principal., they have reported to the credit breau that i owe XXXX on my truck, i have seen so many bad reviews on santander, I am no longet giving them any more money, its no way the interest is more than the loan.
The mortgage started with XXXX and was changed to GreenTree. My mother has since passed away ( XXXX 2013 ) but they still keep sending the statements in her name, even though they were sent death certificates XXXX. They would not work with my parents who live on social security and the mortgage was very high interest. They made payments every month and barely anything was put toward the principal of the loan. When they were facing difficulties, my mother called to try to get interest rate lowered or some other option and was told NO. My parents were in constant stress trying to make ends meet. Since they would not work with them, they had to file bankruptcy. Every time, it was declined by GreenTree. This is a modular home, not a regular house. They do not increase in value, they decrease. They want too money for this place. The house is in the XXXX bankruptcy in just my father 's name. He lost my mother 's income when she passed away. He was paying {$300.00} a month to the trustee and now they want {$450.00}! He has less income and they want MORE money. I handle his finances for him because my mother took care of that. This is the XXXX time for this bankruptcy. They are refusing to take what was paid in the past 17 years and want more money. The trustee wants to dismiss the bankruptcy. He tried to get a place for low income but was DECLINED because of this bankruptcy. What is he supposed to do? There is class action against GreenTree and I want him to be part of that. There are over XXXX complaints against them. He has very limited income and I feel this has gone on long enough. He wants to stay there for the remainder of his years. He is XXXX the lot rent also went up this year and is {$570.00} a month. This home is in a modular home park. It is not on its own land to give any value. I feel this has gone on long enough and this place should be considered paid in full. He certainly paid more than it 's worth.
On XX/XX/2016, I was at a retail store and was denied my purchase due to my credit dropping. It was a total shock and embarrassment to me as I had been getting increases in the recent months on other cards I had. 

So I pulled it up on XXXX and saw that Conns reported a 30 to 59 day late payment on my credit. This never happened! I immediately called Conns and they researched it and I spoke to 3 different people that day including a supervisor named XXXX who confirmed that it was reported in error and they would escalate this situation to have it handled immediately as it was affecting my XXXX shopping and a big gift for my kids. 

XX/XX/XXXX I contacted all 3 credit bureaus to dispute this with them. 

On XX/XX/XXXX I called back because it had not been corrected and I had not gotten correspondence. They informed me that on the XXXX the ticket was closed because they needed me to send a copy of my credit report ( made no sense because they reported it ) but nobody ever told me I needed to send it. So I immediately emailed it and was assured it would be taken care of. 

XX/XX/XXXX I called back and nothing happened. I spoke to XXXX who sent me to a supervisor named XXXX who assured me it would be sent to escalation team and I opened a complaint at that time number XXXX. 

XX/XX/XXXX I spoke to XXXX who said it would be at least 30 days because it was in credit dispute department ... I told her the 30 days started on the XXXX. She was going to have a manager call me back within 48 hours because there wasnt one available for me to speak to. I NEVER GOT THAT CALL XX/XX/XXXX I called back and they said the ticket was closed because they need a copy of my credit report ... THAT I EMAILED AND THEY CONFIRMED RECEIVED PREVIOUSLY. Miraculously that person was able to find the credit report and send it back to the credit department and it would take 30 days ... 

XX/XX/XXXX Spoke to supervisor XXXX after talking to XXXX for 10 minutes who told me she could n't find what I was talking about. XXXX said she sees that it has been put in and deleted and put in and deleted but did n't know why they were doing this. Again, sent it to escalation department ... at this point I am sure this is a tactic to buy time and pacify the customer, I do n't think it exists. 

Today nothing has been removed or fixed, XXXX is 4 days away.
I bought XXXX auto insurance through XXXX because XXXX gave discount to XXXX executive member, which I have been a XXXX executive member over 10 years. Everything was fine for a few years until I switched my auto insurance company to another auto insurance company. XXXX started sent me letter saying I owed them {$100.00}, I called to find out they said they did not have any record of I was XXXX executive member. I followed the instruction faxing the prove of XXXX executive member to XXXX over 10 times, after I faxed I called to find out if they got my fax, they always said there 's nobody able to see if the fax went through! The customer service DEPT said I should just wait if I got any mail to either confirm or asking for payment. This process was back and fore for over two months and still I kept receiving the bill demanding for the {$100.00}. However, the last statement I received was from collection then I called the collection company, trying to explain my situation. I offered to fax my prove of membership to the collection agency. But they said this was not their responsibility and referring me to contact XXXX to correct it. But XXXX never response if they received my prove of XXXX executive member. The collection agency said their job was to collect the money for XXXX. It became a never ending story.
I filed a chapter  XXXX  bankcruptcy on  XXXX     2015 and   XXXX  still showing in my credit report    XXXX   ac count late, I only hav e  XXXX  new  account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send  XXXX  a letter and the Bankruptcy Discharge certificate in  XXXX  and they did not do anything. Can you please help me with this issue. Thanks
I stayed in the car and send my wife to withdraw money from atm at XXXX at XXXX Texas XXXX. She had my serve debit card. I gave her the pin and asked her to withdraw XXXX if it did not give her the amount to cancel it, and we can withdraw it from another bank. When she saw that the atm was going to charge her a fee she declined the transaction. As she declined it no money was dispensed. We immediately left to another bank to try to withdraw the XXXX not knowing that American Express had charged me the XXXX to my card when no money was released.I called american express they informed me that they will see if they refund me, in other words they do not want to refund me. Another thing the ATM only dispenses up to {$400.00}, how could they release XXXX. I never received the money yet american express charged me the XXXX Immediately. They have camaras at the Atm no money was dispense even XXXX has cameras so they can see no money was released. I spoke to the manager called XXXX and they informed me I had to contact the XXXX, when I called them they informed me to file a complaint with American Express
I have a home Mortgage from Nationstar Mortgage, on the first day of the month I will receive a call from one their employee asking me when I will pay my mortgage. Most months I pay my mortgage on the XXXX day of the month on other months it may on the XXXX day, but I always pay ontime. I would like for Nationstar Mortgage to stop calling me unless my payment reaches them after the XXXX of the month. The calls are very condescending and the calls come when I am in meetings, they do n't seem to care when they shame me. Thanks
On XX/XX/XXXX I initiated a disputed with Convergent asking them to validate the two debts ( XXXX and XXXX ) that they were reporting on my account. I asked for a SIGNED contract between me and their company. As of XX/XX/XXXX I have YET to receive ANY documents that validate the debt. However Convergent has chose to ignore my request and violate my consumer rights by continuing to report their tradeline on my credit report. I sent them the proof they requested via the BBB the following day and they have yet to respond to my BBB proof they requested via my CFPB complaint. They are BEYOND the 30 days allotted by law and I am ready and willing to seek legal action to protect my credit worthiness.
XXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent to submit applications for auto financing. While no accounts were established the applications generated inquiries that were found on his XXXX, XXXX and XXXX credit reports. The inquires were from XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Suntrust. Each of these offices were provided an official dispute of the items, XX/XX/2018 and as of this date none of these organizations have provided an update or a reply to the official dispute.
Hello. I am having trouble with student loans which I believed to be under the loan forgiveness repayment plan. I have been making payments for almost 5 yrs and am just now being told that the repayment plan Im in is not compatible with loan forgiveness. 

I had a XXXX and in 2007 went back to school for my XXXX. I was divorced with children and all that entails, and at the time of graduation I had approx. {$100000.00} in federal and approx. {$120000.00} in private loans. I heard about the loan forgiveness program through the XXXX for nurses in qualifying institutions, had my loans consolidated and was told to choose a repayment plan. ln order to ensure that I chose the right repayment plan, I had someone from XXXX on the telephone, guiding me in my choice, to be absolutely sure that I made the right choice. She told me to choose from XXXX payments, XXXX of which was the standard repayment plan-fixed. The others were income contingent, graduated repayment, and extended repayment. She told me that after I had made XXXX payments I could apply for loan forgiveness. During this time my loans have been transferred to different servicers. At no time, until this latest transfer have I been told that I was not in the proper repayment plan. The current servicer has informed me that I am not in the proper plan, that none of my payments so far ( approx. {$50000.00} ) will count toward forgiveness, and that if I now want to be in this plan my payments would increase to $ XXXX. I have no paper trail for the original advice that was given me, as it was via telephone. Was this representative misinformed? Was she a government employee? She worked for the XXXX is all I know. These loans at 7 % have only decreased to approx. {$100000.00} in 5 yrs. though lve paid {$50000.00} I could see this only slight decrease but my thinking was in another 5yrs ( XXXX payments total ) I would have basically paid off the loan anyway and they would really only be forgiving the interest. I am enclosing a couple of relevant documents, XXXX of which says that I am eligible for loan forgiveness, XXXX stating I am not in the proper plan because it is standard -extended. I am also including my original promissory note, pgs XXXX and XXXX which outline the terms and which also state I am in the standard plan, not standard extended as my current servicer insists. My initial payment plan of {$720.00} lines up with the standard plan also. 

My other issue is that the government claims it is helping grads get out of student loan debt, yet the way the 7 % interest is calculated, it is NOT helping those of us who are making our payments every month, on time for years. Again, lve paid {$50000.00} on a {$100000.00} loan with only a decrease to {$100000.00} in almost 5 yrs. t am XXXX XXXX XXXX, I will not be able to make this $ XXXX payment for another 15yrs. I have used any extra money to pay off my private loans and am getting close to that end, but because of this have nothing for retirement. Add mortgage, car payment, kids, college etc etc,. I really need some help with this, I need a champion
I received a letter from USI Solutions stating that I owe XXXX XXXX XXXX XXXX {$8800.00}. I have never had a XXXX card aside from my XXXX gas card which carries a XXXX  balance. There is no record of any of this on my credit report and I have contacted XXXX on XX/XX/2018, they state there is no record of any credit with them other than the XXXX card. I have not contacted USI because I am afraid that once I do, the harassment will start. Reading about them on XXXX, they have a reputation of abusive behavior towards callers and trying to collect bogus debt. I would appreciate your assistance in this matter.
I currently have a mortgage with Seterus, Inc., they are charging me a property inspection fee of {$15.00} every month that I just recently found out about. I do not know if this is legal this was not a practice that my previous mortgage company did which was citimortgage who sold my mortgage to Seterus. On my payoff quote it states that I owe {$690.00} in previous property inspection charges. This concerns me because I am towards the end of my mortgage payments. I have also requested an escrow analysis XXXX over the phone with Seterus , Inc. over the past 6 months and I still have not received one. They have no email address so I ca n't email them requesting one and they do not answer letters sent to their PO Box . What are my options in handling this matter?
On XX/XX/XXXX I sent using XXXX XXXX to a person for a personal matter, since the money was never available immediately, I took care and sent money using a different app BUT the original XXXX that I sent using XXXX by capital one until this day the payment status says sent and not delivered. The person never recieve the money and the money was deducted right away from my account. I place a claim with capital one bank and all they said was the claim was denied because there was no error in the transaction besides the fact that I don't have the money and the person never recieve it? Really? They gave me XXXX  phone number and told me to contact them. They know very well cause I most not be the first person with this type of issues that there's not such a thing like XXXX customer service, that number all it says to contact your bank if any issues. This is outrageous!
Account is showing a late payment for XX/XX/2017 30-59 days. It was not late in XX/XX/ 2017. I contacted XXXX and they told me they couldn't find a late payment. I asked the lady to fix the incorrect information and she told me that she would get someone to type the letter up and send it off to get the late payment removed.
I opened a business account with Chase back in XXXX, with a promotional offer to receive {$300.00} once I made five qualifying transactions. ACH transfers were listed as a qualifying transaction. I made sure to do 10 ACH transfers to an external account so the bonus would trigger. I did not receive the bonus and through secure messages with online banking Chase told me that because I initiated the transfers from Chase 's online account management, they are coded in the system as " external transfers '', not ACH transfers. However, these should be qualifying transactions according to the terms of the promotion since they are in fact ACH transfersthis is the way external transfers work, and this is in fact reflected in the statements from my other financial institution ( attached transaction list from XXXX ), which lists credits and debits to and from chase as ACH transfers. Since the transactions I did were in fact ACH transfers, they should've satisfied the terms of the promotion which were disclosed on account opening ( attached ). I've attached the correspondence I've had with Chase so far regarding this issue.
I paid off my student loans six years ago and still have the document from XXXX XXXX congratulating me on paying them off. This was in part due to an anonymous payment of about {$15000.00} made to my account about six and a half years ago. When I called to ask about this anonymous payment, I was told that they could not reveal where that payment had come from, but that it indeed was there in my account. I paid off a few thousand of what remained of the loan and received the letter stating the complete discharge of the loan. Five years later, XXXX XXXX or its surrogates began contacting me through mail and phone saying that I had not paid off the loan and that the XXXX was a mistake that they had made. I have not received any proof that this was a mistake, just the assertion of it along with notices of default and threats of tax return garnishment, wage garnishment, or other legal action.
I been trying to communicate with Experian for almost a year to update my personal information with them. I emailed them, I wrote to them and even tried calling them. I want to inform Experian that I been married now for over two in a half years and they need to update my maiden name to my married name, as well as my home address. How can I get them to update my personal records ( name, address, etc. )?