WillisBack/dataset-financial-user-claim huggingface dataset:
We had a mortgage with Bank Of America. It was transferred to XXXX effective XXXX/XXXX/2015. I just checked my credit reports, and discovered Bank of America has reported us 30 days delinquent for XXXX 2015. After spending 2 hours on the phone, I was sable to clarify their rationale for our reported delinquency. Our mortgage payment had been XXXX. We paid that XXXX/XXXX/2015 and BoA confirmed receipt. However, BoA says they reanalyzed our escrow in XXXX and discovered our real estate taxes had increased. They claimed to have sent us notification prior to the XXXX XXXX payment due date to this effect. We have no record of this letter. BoA reanalyzed our escrow a second time in XXXX, and sent us another letter dated XXXX/XXXX/15 informing us of this and advising our new payment amount was {$1500.00}, effective XXXX 2015. We interpreted this to mean our XXXX payment was the same as previous, and that our increased payment began in XXXX. We paid our XXXX installment XXXX. We then received a notification form BoA advising us our escrow was short {$170.00} due to the real estate tax increase. We made that payment XXXX via check. the check was cashed. We then made our XXXX payment for {$1500.00} on XXXX XXXX. Now, BoA claims we were technically delinquent in XXXX. They ca n't adequately explain why.
XX/XX/XXXX a charge was made in my name at a furniture store in XXXX, Illinois called “XXXX XXXX XXXX XXXX” in the amount of $XXXX. This was unbeknownst to me. As you will see in the attachment, I didn’t even live at the address that was used when this happened. The leasing company that found an approval for this fraudulent transaction was XXXX XXXX, which is located in XXXX, New Hampshire. My credit report says that this account was officially opened by XXXX   on XX/XX/XXXX while I was out of town working in XXXX, PA. Perhaps there was some sort of 6mo special that said no payments. I am not sure why that took a few months to show as “opened”. Even so, this account was not on my credit report until it went to collections in XX/XX/XXXX. I discovered this account when I did a credit report check on XX/XX/XXXX. I was of course shocked. This debt showed up under collections and the owner of this account was XXXX XXXX XXXX, located in XXXX, Mississippi. I called each company from XX/XX/XXXX-XX/XX/XXXX to begin a dispute process. XXXX XXXX sent me the identity theft affidavit to fill out. I got a police report filed on XX/XX/XXXX. I also opened a dispute with XXXX on XX/XX/XXXX.
There was a tradeline on a 2011 XXXX credit Report from " GMAC XXXX '' I never had a mortgage with GMAC. 
I called a number for what I thought was GMAC and was told it was Ocwen and that they had just bought out GMAC. 
The person I spoke to asked me if I had a mortgage go into foreclosure. 
I told them I had not, but there was possibly a mortgage in foreclosure on a relative 's house who had died, but the loan was not in my name. 
He claimed to have nothing under my name, SS number or that of my relative 's. 
He could not explain why MY credit was pulled then. 
He suggested I send a copy of my credit report with the inquiry on it. 
The address I was given is similar to another address for a XXXX account that was an another of my credit reports, also not mine. 
I never sent it because something just did not sit right with me over this situation. 
I called another day and was told it had something to do with a checking account-not clear what it was. 
I have on my notes " XXXX XXXX '' and " XXXX XXXX '' but not sure who they are-reps maybe? 
Was also told to call XXXX XXXX-they were of no help either. 
The address on the inquiry is GMAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA I put down GMAC as the property address because I do not know the property address.
According to chase JP Morgan they did an investigation and the transactions are legal but I have never authorized this reversals or done this in my life they didnt even call me to confirm this transaction and the money they are saying they returned XXXX account the XXXX dlares I have never received theres a mother transaction that I call them about and I called the people from the 800 number on the transaction this people dont even have information about me and they still charged my account for this money I have had to change my account for a new account after changing my debit card 3 time for the same problem and my girlfriends account is been jacked too hers they are involving XXXX car insurance but we are working with XXXX they are going to investigate
I work at XXXX XXXX, XXXX WA. About a month ago I received a phone call at my bosses office phone XXXX from XXXX Police. I was informed that there was a woman waiting for me and I had an appointment with her. I informed them that I had no appointments and did not know the person there. XXXX Police put the woman on the phone and she told me she was from Puget Sound Collections and wanted to meet with me. I told her on the phone that I was not allowed to receive calls at work and could not entertain her. I asked her to contact me at home and we could work out a solution to whatever problem there was. I then asked her not to call me at my work place again. I heard nothing from this company for about two weeks, until I received another call from them, again, at my workplace. I got there contact information and gave them mine and told them I could not receive phone calls at work and could they please stop and contact me at my home. I received a verbal warning from my supervisor about personal calls at that time. I had not heard anything from this company again for about XXXX weeks until today. I was at work, XXXX, XXXX. It was about XXXX when my supervisor came out to our jobsite and gave me a phone message that came into his office during the day shift. The message had my name on it and was from someone named XXXX from PSC, saying that they would be in the office until XXXX. I received another verbal warning from my supervisor about personal calls and was informed that if it continued I would get a written letter of warning. I feel that I am being harassed on my job and it could jeopardize my job. I also feel that this company contacting another shift supervisor could also impact my job. I have told the people from this company to please not call me at my work, but contact me at home and I feel that they are purposefully ignoring my request in an attempt to shame or embarrass me into paying. If they would contact me at home I am more than happy to discuss whatever bill they have and if it is legitimate then I will work out a payment plan with them, but if they continue to ignore my requests it could put my job in danger.
after I spent XXXX seconds on the phone Equifax I was told that a court order was not enough information for them to remove an account from my credit file. I was told I would have to wait for it to fall of my credit report Equifax refuses to provide accurate credit information. They Must remove this item from my credit report.
I had a XXXX Credit Account opened XX/XX/XXXX and always paid as agreed and closed in XX/XX/XXXX. Now XXXX is reporting negative on my Experian Credit Report. I started a investigation and around 3 days later Experian send me a email of completion. It seem to me that they are playing games and do n't want to remove this information. Can you all direct me to a Federal Agency that will take control of Experian and their lack of work.
I issued a check to an air conditioning repair company for a job they did fixing an electrical circuit that shorted. The vendor then cashed the check which was fine, they then destroyed the check. However, somehow the check was found having been destroyed by being torn into shreds, it was then taped together and a new payee was rewritten on the top of the check over the vendors name and redeposited. The same exact check was thus deposited other than the obvious sign that its payee had been changed, the same check number, date, account number and routing number were used. It was apparent that electronic check deposit must of been used to cash the check both times since neither time the bank required it to be kept. I contacted the bank regarding the fraud and they stated since it was over 60 days that they were no longer liable and that I was, however, I read in the commercial code that the bank cited that the bank must first utilize reasonable care which it did not since it was a check that was obviously a fraud and was deposited twice, any individual could deposit a check multiple times and receive payment each time. Also according to consumer regulartions I read the following ; Unauthorized EFTs Not Involving an Access Device : Comment XXXX it clearly states that had they been notified within the 60 day period and been able to delay payment they would have I then notified the bank regarding this and that they must investigate it but they would not, they simply put me on hold for a long time transferred me around and then said someone would call me back and I never received any additional notice. 
I then read that the CFPB helps to enforce the rules and regulations devised to maintain the order of business so I hope that something can be done to ensure that the bank maintain its requirement to do a reasonable job to prevent fraud and that they must investigate and unless it could 've been prevented had they been notified within 60 days they are still liable and must reimburse my cost of this check. I have cited the section below ; The consumer liability rules are slightly different when an unauthorized EFT does not involve an access device. Most important, the XXXX tiers of liability do not apply ; that is, the institution may not hold a consumer liable for any portion of any unauthorized EFT not involving an access device that occurred on or before the 60th calendar day after the institution 's transmittal of the periodic statement showing the first unauthorized EFT.XXXX Instead, an institution may only hold the consumer liable for an unauthorized EFT not involving an access device if the transfer occurred more than 60 calendar days after transmittal of a periodic statement showing the first unauthorized EFT out of the consumer 's account and before the consumer gives notice to the financial institution, provided the institution establishes that the unauthorized EFT would not have occurred had the consumer notified the institution within the 60-day period.
On Tuesday XX/XX/XXXX I was in negotiation with an individual about purchasing some football tickets. After agreeing on a price the individual asked me to pay them {$300.00} via XXXX which my bank, USAA, was a partner of. Once I sent the person the money they were supposed to send the tickets from their XXXX account. These tickets never arrived and I called USAA a few hours later to report the scam. The banker informed me that since I never received the tickets that I would be able to file a dispute with USAA to get my money back. They would investigate and as long as the seller could not prove that I received the tickets then I would get my money back. I filed a dispute with them and I even asked if it would be helpful to have me send them screenshots of the conversation. They said that it would and gave me instructions on how to upload those documents. I uploaded the documents and then I was instructed to call back in the morning to make sure that they would be attached to my case. I was also instructed to call back on Friday XX/XX/XXXX On the morning of Wednesday XX/XX/XXXX I chatted with a representative, XXXX, who said that my documents were received and that once my case was assigned to a rep, they would notify me of my case number. Four hours later I received an email from USAA that they had completed their investigation on the dispute and that they had denied the dispute. I immediately called USAA and spoke to another representative and explained what had happened. That representative also told me that I needed to file a dispute for me to retrieve my funds.
Carrington Mortgage Services sent me a notice of intent of foreclosure. I am up to date on all of my payments, they have no reason to foreclose on my house. I have all my bank statements to prove every payment has been withdrawn from my account. Even on their website my account shows every payment made. I first had issues in XX/XX/XXXX, they told me they never received my payment even though the funds had already been withdrawn from my account. They finally applied the XX/XX/XXXX payment I made on XX/XX/XXXX to my account on XX/XX/XXXX. I then made my XX/XX/XXXX payment on XX/XX/XXXX and they are telling me that was for my XX/XX/XXXX Payment. I have proof of every payment for the entire time my loan has been through them. They also increased my escrow account due to a " deficit ''. I did the math, there was no deficit and they are charging me double for my escrow. My property taxes and homeowners insurance do not add up to amount of escrow they are charging me.
I was approved for a Bank of America secured credit card and never received it after my deposit was withdrawn. The manager XXXX XXXX was very rude and was not helpful. Also the claimed I didn't receive the card because my account was overdrawn which it wasn't and I had BOA customer service rep verify and I was still denied after been told I was approved. This was an hard inquiry accrued on my account for nothing. WORST CREDIT CARD COMPANY EVER!!!
I contacted equifax on XX/XX/XXXX about the fact that they are not reporting my public federal bankruptcy number XXXX filed on XX/XX/XXXX DISCHARGED on XX/XX/XXXX they keep telling me that they can not input this information despite it being public information and on the pacer.gov website I faxed in my federal bankruptcy paperwork to equifax on XX/XX/XXXX and they have confirmed it was received. This bankruptcy information is reported correctly on transunion and experian I have called and complained numerous times as its affecting my credit report with equifax to this day. There are XXXX negative accounts showing up under XXXX XXXX XXXX XXXX XXXX that should be updated with this information as included in bankruptcy if that is n't enough these XXXX accounts WERE also included in my ex husbands bankruptcy case XXXX filed on XX/XX/XXXX discharged XX/XX/XXXX. I have also contacted XXXX XXXX at XXXX XXXX XXXX XX/XX/XXXX and he said by law this information would be corrected in 72 hours however as of XX/XX/XXXX it is still being reported wrong by Equifax and XXXX XXXX XXXX XXXX XXXX .
I have written and called both Stewart, Zlimen & Jungers , LTD. and XXXX XXXX XXXX. and they continue to send this fraudulent bill/statement. I have no nor have I ever had any affiliation with either company.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX*********** I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
CHEXSYSTEMS HAS A VERY LOW SCORE ON ME BUT CAN NOT TELL ME WHY. THEY HAVE NO ADVERSE INFORMATION IN THEIR REPORT, YET WILL NOT RAISE MY SCORE. I HAVE NOT BEEN ABLE TO KEEP A BANK ACCOUNT OPEN FOR SEVERAL YEARS. I NEED YOUR HELP, PLEASE
Borrowers were approved for a 3 month trial for a Proprietary Modification in XXXX XXXX with XXXX XXXX. First payment was XXXX XXXX, XXXX in the amount of {$1400.00}. They made XXXX payments to XXXX XXXX and were never offered the permanent modification. The loan was transferred to Specialized Loan Servicing and the borrowers made their first payment to SLS in XXXX XXXX. The borrowers have proof of every single payment made to XXXX XXXX and SLS starting with XXXX XXXX through XXXX XXXX. 

The borrowers were never given the permanent modification and they are still waiting for it. The borrowers did not start questioning the status of their loan until they received the Default Notice and Notice of Intent to Foreclose dated XXXX XXXX, XXXX from SLS. 

Please note we submitted a dispute letter along with back up documentation to SLS on XXXX/XXXX/XXXX.
In XXXX XXXX I was served at my home for a medical debt that belongs to my daughter when she was a minor which was XXXX, she is now currently serving in the XXXX XXXX. This paperwork of debt owed from CMRE was the first I had heard of this. When speaking with the representative the address they had stated they served me at was an address that I have not lived in since XXXX. Is this where my statements were going? I have told this company the amount to pay is to high. It has jumped from {$1700.00} to over {$3700.00} with what they claim are attorney fees. I have asked numerous times for an itemzed statement of what I am paying for and have now been told it is not mandatory and that I should be getting that through the courts. She did say she would send me one as a one time thing ( WHAT??!?! ) Is it hard to provide this? I have never heard os such a thing. I am on a payment arrangement in the amount of $ XXXX for THREE years ... yes THREE. Its a payment arrangement they set me up for to default. I ask can I pay online ( no ), I need to call in and speak to one of them to make sure the payment clears. I have asked if can be auto-drafted ( also no ). So you want me to remember to call you every month for three years??? No this is them setting me up to default and garnish my wages. I was also told on XX/XX/XXXX, when I called and made a payment that if I did not sign the papers from the attorney of this arrangement that they would consider it not an arrangement and would begin judgement and I should receive them in three days. This is an absolute set up for default and I am about to file a suit on them. They 're saying if I dont sign the paper after I already called and made an arrangement and made payment that they will start a judgement?!!?! Here it is XX/XX/XXXX, and no papers have been sent to me. I am a single mother and have told them this is not feasible. I can not afford for fee 's on top of fees to be added. I was not notified prior to this. I am in a nightmare. Please help, they are refusing to help me. I need fee 's removed and an arrangement I can afford for exactly what I owe. Please please help
I worked with a gentleman in college who apparently got into some serious situations. Ever since then I have received phone calls randomly from Debt Collection agencies asking for him and information on how to find him. I have repeatedly asked them to stop calling my number because I am not the person they are referring to and have no contact with him any longer. I continue to receive phone calls and I am not impressed that someone was able to use my phone number as a contact number, which I did not agree to, and now I receive harassing phone calls when I have repeatedly told them to stop calling me.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( experian ) XXXX XXXX XXXX Account Number XXXX. ( experian, XXXX ) XXXX XXXX XXXX Account Number XXXX ( experian ) XXXX XXXX XXXX Account Number XXXX
I graduated in XX/XX/2007. I still have over 60k in student loan debt with Navient not including the private loan that they will not allow my co-signer to be released from. 
After multiple suggestion of deferment or forbearance they finally began to offer an income based repayment plan but the interest on the two federal loans had accumulated so much I still can not afford the payment. I was never able to get the help I needed and to this day I get conflicting information. My paperwork has been misplaced multiple times over the life of this loan. I hear so many negative things about this company and I am truly afraid that I will forever be haunted by this debt that could have been avoided had it not been for their unfair and deceptive practices. Ive had an inumerable amount of hardships and at no point did I find someone with to help. Most recently the govt. declared my county a disaster area but Navient still has no solutions. They have caused unnecessary hardship to my family and impacted my credit.
On XX/XX/XXXX I got a student loan for {$13000.00}. I now owe {$75000.00}. This is due to forbearance and deferment options offered to me over the past 20 years. I now receive XXXX XXXX payments. I was deemed XXXX 6 years ago with my reevaluation next year. I called Navient yesterday to find out why there were no interest charges on my account only late charges. He tried to explain to me that capitalized interest was the late fees and these were applied to the principle or something to that effect. I applied for an income-driven repayment plan which was not accepted because my husband did not sign the form. They told me I had to resubmit with his signature. I refuse to do this as him signing papers on my loan would legally make him responsible for the loan. We were not married at the time of this loan and were only married 7 years ago. When I explained this to Navient they said that he would not be responsible for the loan legally but to apply for an income-driven repayment plan we had to count the total household income. That's pretty shady to me. A loophole I suppose. I have applied for a permanent and total XXXX discharge as I have COPD which is terminal. My physician will not sign off on the papers as he says that it states my condition will result in death within one year. I am only in the early stages as of now. I have submitted documentation of my illness in the form of medical records from my doctor but they were not accepted. Navient also explained that if I am on XXXX XXXX and it is expected to last 7 years or more, I am eligible for permanent and total XXXX discharge but must get a letter from XXXX XXXX XXXX stating such. I do have a letter from the XXXX XXXX XXXX stating that they will reevaluate every 3 years. However the 3 year Mark has gone and I am coming up on 7 years. I have tried on numerous occasions to compromise with navient but to no avail. Had I known this loan was going to be outrageously difficult to pay, I never would have considered a loan. The principal on this loan is {$73000.00}, interest {$610.00}, {$1200.00} in late fees and total payment due is {$1800.00} on XX/XX/XXXX. They seriously expect me to come up up with this amount of money. Our monthly income is barely over that. To my knowledge, income-driven repayment plan was only a recent thing. I was never told about this during the time of this loan and was always offered forbearance or deferment options. How can they get away with this? What can I do?
On the morning XX/XX/2017 Chase closed all my credit card accounts. I found out when I tried to make a purchase at a store when 2 of my Chase cards did n't work. When I called chase to find out what happen the CSR stated that my all may accounts were closed and there is nothing I can do to have them reopened. I asked to speak to a supervisor and was told I could n't because the decision was final! I then ask " Could you just tell me why my accounts were closed? '' the CSR said that I had too many inquiries. I stated that I had only applied for a chase card recently. The CSR stated once again that their decision is finial and my accounts will not be opened again.