WillisBack/dataset-financial-user-claim huggingface dataset:
I paid my XXXX mortgage payment on XX/XX/2018 at a MB Financial branch. The statement generated on XX/XX/18 reflected the XXXX payment as not received. I called and talked to a customer service rep who stated there must have been a delay in processing. I have received several automated calls from MB Financial stating my XXXX mortgage payment was not received and my XXXX payment is late. I paid XXXX 's payment on XX/XX/18 at a MB Financial Branch. I have both of those receipts along with my cancelled checks reflecting both payments were made on time. This has been an on going issue with MB Financial and their payment processing delays.
I received a derogatory credit item from southwest credit systems for a  XXXX  account that went unpaid. I called southwest and made payment but they denied my request to take down the item. They are not original owners of the note and could n't produce documentation nor did they advie me prior to posting this on my credit as I was unaware of the unpaid bil due to moving and having a new home address. I 've contacted them and escalates calls even so contacting the credit bureaus advising them of the situation. Please advise as to what I can do. The account was paid back in   XXXX   XXXX     and I received a deragotry item on My credit on   XXXX   XXXX    . The amount owed was roughly {$470.00}. Thank you for your consideration.
We have been paying on a {$6000.00} loan since XX/XX/XXXX and still have a {$4200.00} balance. Payments have only been {$64.00}, but it appears this loan is being serviced like a credit card with the interest payment never getting any lower. Is this correct? Thanks.
Call asking for XXXX XXXX. 

Calls to a phone number NOT associated with XXXX XXXX. 

Calls to the phone number NOT associated with any debt for MORE THAN 365 days. 

Calls asking for XXXX XXXX to a phone number unassociated with XXXX XXXX for MORE THAN 365 days.
Wrong amount has been posted on their notice of letter stating that I will be responsible for the items I 'm not familiar with. Though, I sent out a letter to resolve this credit since It is hard for to pursuit the identity theft and most of collection agency disregards this and keep posting this charge under my credit line and what 's even worse than this is they are trying to charge me even more to settle this debit
My complaint is with Ocwen Mortgage Lender. Ocwen is more of a debt collector as suppose to a traditional Mortgage Lender because costumers get none of the benefits that come along with having a mortgage loan from a traditional mortgage Bank. 
I was a victim of Hurricane Irma. Ocwen gave me a three month mortgage relief plan. After three months the repayment plan was almost double my original monthly payment, so I asked for a modification. During that time they gave me another 3 month extension until the modification was complete with affordable payments. The modification that I was given increased my interest rate which made my monthly payments unbearable with the diaster I already endured with Hurricane Irma. I rejected the modification and proceeded to talk with Ocwen about alternative agreements. Each relationship manager tells me a different scenario. No one is accountable for your account but only calling to collect a debt. When you ask them to review the notes from your previous call with the previous relationship manager you find out that they only wrote notes on half the issue discussed and practically none of the resolution.So you are back to square one. They drag out this process with misinformation until your home is in foreclosure. That is my situation. I am facing foreclosure due to neglect on the part of Ocwen. Also most of the customer service agents or ( relationship Managers ) as they refer to themselves do not speak English clearly but appear to be in another country reading from a script. Please direct me to the proper channels so I can attempt to get this situation rectified before I lose my home
this account was included in a BK XXXX and has since been discharged. this debt was just recently been place on my credit file and should have never been placed on my credit bureau.
I sent them a statement by certified mail informing them that I did not want to be called anymore and that I would like to correspond through mail. I know they received the certified mail because I have the record. According to t he USPS, the y received it the morning of   XXXX   XXXX   XXXX    . In the letter, I wrote exactly :  " Cedar Financial or anyone representing Cedar Financial does not have p ermission to call my cell phone. I preserve my right to claim damages for subsequent calls und er the Telephone Consumer Privacy Act. '' Later that evening, I got a call from them again. This is after  XXXX    months of them repeatedly calling my phone ( every other day. ) I have the file # they gave me that I can provide to CFPB if requested.
I looked at my credit report on-line prior to applying for credit for a new vehicle and noticed a medical collection on my credit bureau I had no knowledge of.
In early XX/XX/XXXX, A payment of {$1000.00} was to be applied to P & I for the XX/XX/XXXX bill. 
..includes extra to pay toward Principle. 

BUT - they applied it entirely to principle.. and want a 2nd payment for the XX/XX/XXXX bill. 
Now there is a late charge since I refuse to give two payments in 1 month. 

They have emails and a phone call to correct this. 

On phone call ( XX/XX/XXXX ) the customer service rep said that they have no way of knowing what a payment should be applied to and that she was not authorized to correct it. 

( What? You're a lender? And you don't know how to allocate payments as they come in? ) All payments are made on time and always have extra money for principle.
I have a chase XXXX reserve card that advertises earning points that can be redeemed at XXXX for travel. I am trying to book two round trip tickets from XXXX to XXXX for XX/XX/XXXX returning XX/XX/XXXX and their booking system online shows several itineraries available at various time of the day from XXXX XXXX XXXX yet I was unable to book any of them ( keep showing error messages ). So I called Chase up on XX/XX/XXXX and the agent who picked up the phone helped me book it. She said they are having system wide issue with their booking but I will receive a confirmation of my booking in the e-mail. That e-mail never came and I called back on XX/XX/XXXX. This time another agent told me a ) they could not find that reservation b ) the flights are not available despite the fact their website still show this and several other flights as available. The agent then elevated the issue to a second customer representatitve who told me the flight is available but at a higher price so I agreed to book at the higher price and then he came back and told me he could not book it. At the same time, all other 3rd party booking sites such as XXXX, XXXX show the flights as available. I asked the customer rep for a solution which would reimburse me for the cash cost incurred to book elsewhere and deduct the required points shown in their system and he came back saying they could only do it at XXXX instead of the XXXX advertised. I asked that he further escalate the issue and have a supervisor call me but he said no one is available and they do not do call back. It is regretful on Chase 's part that 1 ) they lie to be about making a booking when it never happened 2 ) they could not meet their promise despite their own system showing flight availablibility 3 ) they openly acknowledged system issues but instead of figuring out what went wrong on their end and properly remedy the situation, they just let the consumer hanging with no solution offered. To me that is false advertising on the benefits of the card and breach of cardholder agreement. I would strongly ask CFPB to investigate the issue and take appropriate actions. Thank you!
I 've spoken to multiple representatives at A1 collections in XXXX, CO. Every time i speak with someone the amount I owe has been a different number. They are over 2 weeks behind on processing the electronic transfer from my garnishment. As of now I have paid it off in full but they do n't have record of it so they are continuing to garnish future paychecks when to my calculations the amount in full is paid off. I find it really shady that they do n't have record of my most recent payments. I work for XXXX and have been in contact with my payroll division and they have promised me that they electronically transfer the garnishment and that there should be no more the 3 days for the money to be processed. A1 has been extremely rude and inconsistent with the amount of money. Maybe there is a lag in data processing on their part but I do n't feel like I should suffer because they do n't update their payment records in a timely fashion.
I tried downloading my free annual credit report a few months ago using my XXXX, and XXXX apparently is n't a supportive browser, because the websites locked up, and I had to restart my phone, so I was never able to review my credit report. I should also note, I ordered all XXXX reports at once. XXXX now states that I 've viewed all credit scores. Can this be reset so I can view my reports?
I took out a loan with  Allied Title Lending LLC d/b/a  Allied Cash Advance on  X/XX/15    in the amount of {$1200.00}. I have paid {$3800.00} and I still owe {$930.00}. At the time I had no idea that the interest rate was 273.75 % They never told me, but apparently I signed a contract without really reading it. I 'm on  XXXX  and at the time I had lost my job and was not able to pay my mortgage. So I borrowed the money.     Call for Action tried to help me, but the manager,  XXXX   XXXX  for  Allied, Cash Advance,   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , VA  XXXX ,  XXXX   XXXX   XXXX   XXXX  was instructed not to talk to them and has hung up repeatedly and turned the phones off.     I feel like this was deceptive, Had I know the interest rate was 273.75 % I would have never taken out the loan.     Can you help me with this? At this rate I will never pay them back, and they were paid 3 times the amount that I borrowed.
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( account showing multiple times on my  credit report ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( account showing duplicate on my credit report XXXX, XXXX XXXX XXXX XXXX,
I have a loan with CitiMortgage that I 'm trying to get modified. 
On XXXX, XXXX, 2016 CitiMortgage sent me a letter stating that my loan was being reviewed for modification and a request of document listed. 
CitiMortgage currently has a sale date of my home for XXXX XXXX, 2016. They will not cancel or postpone the auction for me while they are reviewing documents. I believe this is dual tracking as they can sell my home while I am being reviewed for a modification by the underwriter.
There were three unauthorized transactions from XXXX, each at {$100.00}. This occurred XX/XX/2018. I filed a complaint and have not received any additional information.
In XXXX 2014, I made an online inquiry with XXXX XXXX about whether it would be possible to qualify for a mortgage based on assets and equity and pointed out we would not have adequate income to qualify for a mortgage. XXXX XXXX encouraged us to fill out their information form and led us to believe that it could be possible. They pulled a credit report on us and then informed us we would not qualify for a mortgage because we did not have enough income. I challenged the credit pull they did under false pretenses ( having stated from the beginning that we did not have adequate income and we were seeking an asset based loan ) and they responded that a credit pull would only cost us a few credit points and that all credit report pulls we experience within a 30 day period will not be counted as individual credit pulls. They were incorrect on both accounts. Our credit score dropped XXXX points in that period and there were no other changes to our report. Multiple credit score pulls showed on our account despite having clearly stated before each inquiry that they were not authorized to pull a credit report unless they would be able to lend based on assets, not income. In each case, they pulled a report then apologized when they turned us down for not having enough income. They used deceptive practices and operate with incorrect information about the impact of their actions on someone 's credit score. This probably is something that should be addressed in a class action lawsuit. It happened to us several times in that window by lenders who apologized after the fact. It is clearly a practice they do frequently given how many times they did it to us-pulling a report after being told conditions of authorization then apologizing afterwards when they have learned what prospective client told them in the first place. 

First and foremost, I did NOT authorize them to pull a credit report for an income based loan application. Yes, they did do a credit pull but no, it WAS NOT AUTHORIZED.
I received a loan from SallieMae of {$27000.00} in XX/XX/XXXX, and I reapplied for another loan in XX/XX/XXXX and was denied, because of a bankruptcy that is over 7years old, I also had the bankruptcy when I received the first loan. My credit is very good, but SallieMae continue to deny me for the same reason. Now I 'm wondering how my daughter is going to finish school, without this loan.I just feel it 's so unfair to be denied, when you gave it to me the first time.how did you can assist me in this matter thank you sincerely the  XXXX family
Regions Bank Closed my account and charged it off. I rented a XXXX a year and months ago, I paid the amount that was supposed to have been paid. However due to a mixup in trucks, XXXX  charged my card over {$800.00} dollars. I tried to dispute it with Regions, they would not let me dispute the charge. I thought the bank I trust with my money was supposed to protect my funds. They tried to force me to pay them over {$800.00}. I refused, so they not only closed my account, but they have sent it to a collection. For an amount of {$370.00}. These are unethical practices for a financial institution.
My XXXX student loans has never been late. They are currently in deferment but they are being report late. I contacted all three credit bureaus on XX/XX/XXXX to dispute the information. It was updated on XX/XX/XXXX but still reflecting late payments. I called XXXX on XX/XX/XXXX and they referred me back to the credit bureaus. I sent out 609 letters on XX/XX/XXXX. I need this corrected ASAP as I am applying for an apartment on XX/XX/XXXX.
My mother passed away and I have been trying to freeze her credit. I have called Transunion multiple times and every time they disconnect me. I can not even get to a service representative!!!
In XXXX 2017, we applied for a mortgage with USAA. We were pre-approved and needed to sell our home before moving forward with the home we were purchasing. Our contact at USAA pushed us to send them the contract for the new home so that we could get our rate locked. We later found out, because we did n't sell our house soon enough, that our rate lock would be expiring and we would have to pay to keep it. Luckily, we found a buyer and were going to close on the sale of our home just in time - XX/XX/XXXX and our rate lock expired XX/XX/XXXX. We were supposed to be able to close on both homes the same day. A week before closing, we find out that the appraisal had to be revised because it included separate land that could not be included in our loan. The appraiser still got the lots incorrect on the report, missed updating the purchase price, and did n't get the documents uploaded as needed. All of this took about a week and so we had to push out our closing date. I told XXXX at USAA I wanted to close by the XX/XX/XXXX, but then we found out more mistakes were made : XXXX incorrectly entered our email addresses for us to get the documents to sign, we had to submit a correction on the city of the property because it did n't match the zip code as USPS has it, we needed updated bank statements because suddenly we owed more money than they expected - many, many things that could have been caught BEFORE we were in the final week of closing. The biggest issue that we had was USAA sent me the " final '' closing disclosure on Friday XX/XX/XXXX, 3 days prior to closing, as was required. I called on Monday to understand why we suddenly owed {$2200.00} at closing, which increased from {$1100.00} the last time I spoke with XXXX, and he told me that still was not the final version and that we would be getting a {$3.00} check back at closing. WITHIN HOURS of that conversation, he called me back and said that a mistake was made. They did not get an updated property tax statement since taxes were paid more than A MONTH earlier and so we would owe {$1400.00} at closing. THEN, the day of closing, I received notice that they were calculating our monthly insurance rate incorrectly and both our monthly payment AND costs due at closing would increase to {$1900.00}. ALL of these changes were being made within the 3-day window of closing, which I understand, is not supposed to happen. We were all over the place with our closing costs and I am EXTREMELY upset about the whole experience. AND I paid 2 weeks  of rate lock!!!!! Because of their mistakes!
In XXXX XXXX Experian took longer than the 30 days allowed for the dispute of a debt in my credit file for XXXX XXXX XXXX. When I questioned Experian they stated they are allowed up to 45 days. Under FCRA they are only allowed 30 as well as the creditor response. Experian and XXXX XXXX XXXX reguse to provide me documentations validating this account belongs to me. Experian ststed they are not required to provide me valudation of any debt in my crefit file. The debt is result of fraud/ Idenity Theft. I 'm aware that Experian is being paid by XXXX XXXX XXXX to keep the debt in my credit file. Therefore, this is why Experian refuse to delete the fraudulent debt and do not have any documentations validating this debt. I have contacted the media about this case. I also was questioned by the media how CFPB has handled this case because this is my second time filing this complaint with the CFPB. Experian also refuse to delete unauthorized inquiries in my credit file even though the creditors notified Experian to delete the inquiries. I also mailed Experian letters from the creditors telling them to delete the inquiries.
Cashcall routinely tries to collect a debt past the 4-year statute of limitations. I receive emails and letters asking me to pay a balance that I am no longer liable for, and when I call them they tell me to pay. Then Cashcall changed the last date of payment to reflect a more recent year to keep the debt on my credit report. I disputed it with the credit bureaus. This loan was taken out in 2010. This is fraudulent and illegal. It is way past the 4-year limit statute to collect allowed under California law.
I have reported to equifax several times that the car judgement on my report is incorrect I also submitted the complaint to consumer finance which exeter finance responded and said they would have it corrected in 45 days but it took well over 45 days for them to correct it so it should be removed but now they stated it has been corrected however the account is still being reported as a charge off when it should be settled however equifax is still reporting it incorrectly.
Hello, My name is XXXX XXXX XXXX ( at that time my name was : XXXX XXXX XXXX XXXX. I changed my name because i got married ). I have XXXX babies and the XXXX of XXXX of them were covered by the government insurance because of my low income. When my XXXX  baby ( XXXX XXXX XXXX XXXX ) was born in XX/XX/XXXX, at XXXX XXXX Hospital at XXXX, kentucky, he got certain medical issue and the hospital kept him fews days to make him better. the hospital charged me for that while i was covered by the insurance. I went to the hospital to complain for that issue and they contacted the insurance company and they told me that everything was ok and i dont have to worry about that. They fixed some bills but fews months later i noticed that they fixed everything except one. They told me they Will fix it also but unstead i got collection mark of XXXX $ from GLA collections ( XXXX XXXX XXXX   ) on my credit report a until now. I called them to explain that it was a mistake they told me they can not do anything to remove that. I dont know what to do and that situation affect my credit score because i have a derogation mark. 

Can you please help me.?
On XX/XX/XXXX Citizens Bank credited {$1500.00} to my checking account from my XXXX XXXX credit account. I did not authorize this credit and had not filed a complaint with Citizens Bank which would have triggered this type of transaction. I called XXXX XXXX to see why this had happened, they told me that the transaction was initiated by Citizens Banks, so I called Citizens Bank where I was told that I had initiated the complaint which triggered the credit at a local branch in XXXX, VT. I went to the local branch the next Monday to confirm that the complaint had been made from them, since I did not remember making this complaint. The bank tellers at this location let me know that they did not file a complaint on behalf of my account and they could not have done so with out my permission. I called Citizens Bank customer service again where I complained about a transaction being made to my account without my authorizations. I received a call from someone named XXXX from the the office of the chairman, XXXX, he told me that he would look into this, but told me that the complaint that I had submitted was actually done by telephone and not through the branch. I asked him to locate the call and to see if I had in fact made a complaint. XXXX told me he would get back to me by XX/XX/XXXX. XX/XX/XXXX I emailed him to ask why he hadn't followed up. He still did not call me back. On XX/XX/XXXX I received a document from Citizens Bank in the mail with the title " Written Authorization of Unauthorized Debit. '' The intent of the letter which, I have attached, was actually to get me to sign a document saying that I had filed a complaint which triggered Citizens Bank to credit my account {$1500.00} on XX/XX/XXXX. I emailed XXXX immediately to ask what this was about. XXXX called me back to let me know that the case had been closed and that it was determined I had filed a complaint. I asked if he found the phone conversation where I did make the complaint. He informed me that he didn't and that there was no record of my call. I asked him to go and find the call and find evidence that I had in fact made a complaint. He told me he would get back to me on Friday XX/XX/XXXX. XXXX still has yet to get back to me despite multiple efforts on my part to get in touch with him I am complaining because Citizens Bank filed a complaint on my behalf, authorized the credit of {$1500.00} into my account which caused late fee and interest fees from XXXX XXXX, all of this without my permission. They later tried to get me to retroactively sign a complaint form to cover for their own mistake, and now are not communicating with me at all to fix the issue.
MR. COOPER/NATIONSTAR FAILED TO DELETE LOAN NO.XXXX FROM ALL BUREAUS ( SEE ATTACHED ). WE ARE GOING TO FILE A LAWSUIT FOR {$35.00} XXXX FOR ALL DAMAGES CAUSED US BY NATIONSTAR! 

THIS WILL BE THE LAST TIME NATIONSTAR VIOLATES THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.