WillisBack/dataset-financial-user-claim huggingface dataset:
Applied for a loan at Wells Fargo Bank. Locked in to a rate of 4.375 %. After I paid for the appraisal out of pocket, the mortgage representative stated : '' Unfortunately I have some bad news and I wanted to get it to you before I left the office this evening. When we had first taken the loan application the appraised value that was entered was based off of evaluations by pulling property profiles. Upon speaking to you regarding the conservative appraised value, I changed the number in our system to reflect a {$270000.00} value we had spoken about. The unfortunate news centers around the system not saving this new {$270000.00} value which in turn change the pricing. Today we received your appraisal. The value came back higher than anticipated at the number of {$290000.00}. When this information was entered into the system, it in fact did change the pricing which is making it so we would need to charge you, or decrease the cash back by {$1000.00} in order to get you in at 4.375 %. I have begun putting together a request to reduce this amount as low as we possibly can to keep you at the desired rate. ''
Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. XXXX XXXXXXXX XXXX closed my account after freezing it an reported me to XXXX XXXXXXXX and Early Warnings for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because XXXX  XXXX XXXX reporting.
I entered into a settlement agreement with this debt collector where i agreed to pay {$100.00} a month beginning XXXX till XXXX. After which i would discuss how much i could pay going forward. I authorized to have the payments automatically deducted from my checking account for the above period. The collector continued to take {$100.00} out of my bank for the months XXXX without my permission. The debt collector admitted to taking the funds without my permission and has threatened to seek a judgment for the remaining balance. What can i do.
I got a judgment on my credit report that said satisfied I have not paid it in full they have 15 days to tell the court they have not done so I will half to fax you the paper work my credit report shows XXXX that is not right thanks
The accounts listed below was deleted off my credit report and was later put back on my Equifax credit report. By law Equifax is required to notify me 5 prior before reinserting any account ( s ) back on my credit after the account has been deleted. I will take further actions if the accounts are not deleted off my credit report. 

Account : XXXX XXXX XXXX XXXX : LA XXXX XXXX
I have been having an ongoing problem with  XXXX  for the last year and a half, the more I fix my credit and increase my score, I have noticed each time they will go back in, find an old deleted or removed account and place it back on my credit report but they will just put it in a different catergory as if the consumers wo n't notice, this has happend to me at least  five  times, they have now taken an account that was removed and deleted from my report and placed it back on there but under Collections now, but item was removed awhile back,  XXXX  and Experian just follows   XXXX   and whatever they do they follow, the Items I 'm speaking of is   XXXX   XXXX   item was deleted from my report but have been placed back on by  XXXX , this has. Even going on for several years now.
" XXXX XXXX XXXX '' has sent me debt collection letters a couple of times asking me to pay {$49.00} for XXXX debt. I do NOT owe money to XXXX and XXXX confirmed it over the phone. I replied to the Convergent 's debt collection letters explaining that they've got a wrong person, but they just keep sending me the collection letter. The account # in the letter is not mine and transaction and account creation dates are all wrong.
XXXX XXXX XXXX issues in Colorado XXXX XXXX, XXXX XXXX, handled my account, I ran up a bill totaling around XXXX and could not pay it on time because I was hurt somehow in the Town of XXXX and XXXX to leave. 
Ended up changing address this happened in XXXX. 
XXXX XXXX could not reach me and by the time they did it had already gone to collections. We tried to settle but they gave us a very hard time. 
I also had Issues with Bank of America and XXXX with a girl named XXXX XXXX from XXXX XXXX XXXX Florida. 
XXXX XXXX who works for the XXXX XXXX XXXX in NY. may also be involved in something. XXXX XXXX of Bank of America might know something t
I have an institutional loan for which servicing recently was moved from XXXX to XXXX XXXX. XXXX XXXXI has presented erroneous information on the amount due. Under the heading Amount Due, it lists an INCORRECT dollar amount. An asterisk appears, with the footnote reading " Due to possible accrued interest, the Amount Due shown is estimated for Quarterly, Semi-Annual, and Annual repayment schedules. To view your actual amount due, go to Billing & Payments to view your billing statements. Actual payment amounts due will also be displayed when making an online payment. '' However, there are no data on the Billing & Payments link. What's more, there are no billing statements to view. Nowhere on my online account does it indicate what the correct amount due is. So, how am I supposed to pay my loan without defaulting?
A demand letter dated XX/XX/2018 was received from XXXX XXXX re : Capital One credit card debt. 

This account was under debt management. 

I notified XXXX about the letter dated XX/XX/2018 and XXXX has removed this account from debt management as a result of the letter. 

XXXX XXXX has requested that I inform XXXX XXXX about payment. On XXXX.18, I spoke with XXXX ( XXXX XXXX representative ) and she requested that I call XXXX as she could not discuss matter further. 

XXXX XXXX and XXXX XXXX have been notified of their individual actions.
On XXXX/XXXX/XXXX a company by the name of " Bayview Solution LLC '' pulled my credit report without my  authorization. I have a hard inquiry on my report and they illegally obtained my credit file by stating that the purpose of their inquiry was " installment loan inquiry ''. I contacted the credit bureaus and Bayview Solutions LLC directly to place a complaint and ask them to remove this fraudulent inquiry from my report. They did not help and Bayview Solutions LLC customer service agent cursed at me and hung up the phone on me. They will not say why I have a hard inquiry on my credit report.
I pulled my credit report and saw that a company was trying to collect on a debt that does not belong to me. I contacted the company several times and nobody got back to me.
I was called today by XXXX XXXX from number XXXX XXXX at XXXX cst on XXXX XXXX about a payday loan from XXXX for {$450.00} and he stated this long talk about this debt which I put a stop payment on through my bank on this account for this loan due to could not afford to pay it so had to do stop payment to keep from getting hit with fees so this man stated needed a disposition to and was using words I had no idea was or meant and then threaten to take legal action over phone so told him go to court and hung up. Last email I got from XXXX XXXX XXXX stated has until XXXX XXXX to contact them to pay off or set up payment plan before debt was sold off to a third-party debt buyer was unable to.
FedLoan Servicing, a private entity, manages my federal student loan. FedLoan Servicing, without explanation or legal authority, limits electronic payments to XXXX ( XXXX ) per month in order deny loan recipients the opportunity to quickly and easily repay the loan. Moreover, FedLoan Servicing, without explanation or legal authority, refuses to accept payments on weekends, yet continues to assess per diem interest on weekends, to the great detriment of loan recipients.
I have a problem with Taylor Law pllc. If I get behind on payments they send me a letter that looks like a letter from a lawyer and says they have contacted the sheriffs department in my area. They say they have filed a case in court. They also have changed their name. They wont provide a receipt to my email. One time I showed up to court on a specified date and they did not show up. Where I live in Indiana I should have won by default.
I had a mortgage loan with Freedom Mortgage ( XXXX ) and serviced by XXXX ( XXXX ). The loan was a VA ARM. I refinanced the loan under the VA progrom with Freedom Mortgage to a VA fixed rate in early XX/XX/2014. When the loan was refinanced I had to make an escrow deposit for the new loan. XXXX has failed to refund the remaining balance of {$1300.00} I had in escrow on the old loan. I contacted XXXX companies and have been given the run around with XXXX stating Freedom Mortgage told them to apply the money and Freedom saying there was no information. I am not aware of authorizing either company to do anything with my escrow funds.
I have repeatedly called and emailed the XXXX XXXX XXXX   that is listed as the original company claiming I owe {$59.00} which I was never alerted to ( nor have I ever been to XXXX XXXX ). I have paid the {$59.00} charge on several separate occasions directly to XXXX XXXX as it continues to show up on my credit report as delinquent by a Company called Independent Recovery Services,  located in XXXX XXXX XXXX, XXXX, NY XXXX. XXXX. After receiving each duplicate payment, the XXXX company continues to assure me that they will have this collection company correct the error on my credit report, and remove all history of it. However since it first was reported on my report in XX/XX/2014, it continues to update monthly as delinquent and wreck havoc on my credit score. This is extortion either by the company or the hospital to continue to make me pay the same bill over and over again just to have it removed from my credit report. What 's more, is it is costing me extremely higher interest rates and encroaching on my ability to get a mortgage, a cost in the thousands. This is illegal, harassing, extortion and fraud and I would appreciate if you could help put an end to this illegal and dishonest business practices, which are clearly being used to force the customers into paying for the same bill over and over again trying to clear their credit report.
I have had a busine ss account with Citi for several years. Citi, decided to close all their branches in MA and subsequently they forced everyone to use  their online banking for all transactions.   On MOnday the   XXXX   XXXX   XXXX   XXXX    , i went on line to see the procedures required to wire money to a vendor but noticed that i had repeated login issues. Naturally i called the toll free number on the back of the ATM card to seek help. Yet every time i called, they said that since my account is a " special commercial account '', only my account  manager ( yes, one person ) c an help me unlock my account.   After several attempt to reach my account managers, who happens to be in TX and CT, i am now told tha t CITI, during their routine KYC complian ce checks, noticed that after years of banking with them, they do not have some information about me. And as such, they have decided to first close my account on the   XXXX   XXXX   XXXX   WITHOUT ANY NOTICE TO ME. Then when they realised that they made a mistake, for  two days now they have tried to re-open my account. Yet after 5 days, i STILL DO NOT HAVE ACCESS TO MY MONEY to conduct my business.    If  CITI screwed up on their compliance procedures, information that i have already given to them, why are they STILL blocking me access to my money? i have a I feel so helpless as there is no one that will help and there is no branch to go to to get my money out. In the meanwhile, i have written three chec ks, which i am certain will bounce. This is affecting my business very negatively.   This is so wrong on so many levels and i feel helpless.
I received a letter from XXXX XXXX ( see attached ) dated XX/XX/XXXX. I followed up with this company disputing the entry they placed on my credit reports. This company did not send a dunning letter prior to placing the entry on my credit report. This is a direct violation of my consumer rights. Additionally, it did not allow me the 30 days as mandated by consumer law to dispute the validity of their inaccurate entry. In my letter to them ( see attached ), dated, XX/XX/XXXX, I specifically requested that the provide me validation of debt and not verification of the debt.

Convergent responded with the exact information that they sent to me on XX/XX/XXXX ( see attached ). I requested the following : An agreement that states their authority to collect on this alleged debt, agreement with signature of the alleged debtor wherin he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable, verification that this debt was assigned or sold to collector, complete accounting of the alleged debt and name and address of the bonding agent for this collection agency in case legal action becomes necessary. 

Convergent failed to deliver the information, yet they continue to violate my consumer rights with the reporting of this entry. This item should be DELETED immediately from my reports.
I contacted XXXX XXXX the party filing false information on my credit report, and they refused to remove the false information ; I contacted XXXX, and Transunion with a complaint, and they refuse to remove this from my credit report ; I had a XXXX XXXX   from XXXX XXXX I never used, and a XXXX Card I used, and all payments were made on time, they reported a late payment which I was never notified I owed anything to them, they reported both cards, two seperate accounts under the same complaint ; they reported that I never made the first payment, but it clearly shows on the report two payments prior were made on time, customer offered me {$50.00} late fee credit, and no fees until XXXX as their solution, I stated I wanted the accounts closed, as they are paid in full, and wanted this false information removed from my credit report, XXXX XXXX refused, the credit reporting agency are holding this on my report.
Bayview loans holds my Mortgage. It seems they are giving me the runaround and have no intention of approving any modifications. I submitted all docs required. I meet all requirements for modification as my income was cut in half due to retirement. I am 1 month behind because of them not approving this. they turned me down once and told me to reapply, reason they turned me down they said docs were not sent in on time. have papers to prove that is a lie. Then I reapplied and sent them XXXX pages of docs at XXXX time. Underwriter should have gone over all docs at XXXX time and if anything was needed send out XXXX correspondence with any questions. Instead just like the first time they send asking for XXXX thing than 3 weeks later another thing than3 weeks later another. It got to the point they asked for the same docs twice. I sent XXXX faxes to the CEO of Bayview to express my concerns and was never answered. My bank told me that they are doing this because they have to by the Government and this is their way of avoiding this. I need someone to step up and help me. there is a lot more about what has occurred with them. I have all papers from the first time I started this till now and they prove what they are doing to the consumer.
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Hello, I clicked on annual reporting site to get my free annual credit score. The site stated that I am entitled to get one free reporting per year. I was able to obtain my credit report, however, when I clicked on my credit score, it would route me me to TransUnion account, where it would ask me again for my email address. When I entered my email address, it would yet take me to another screen, where I was asked to enter all my information again, which I did. Then the final filed, it says to enter my Credit Card information. If I am entitled for one credit report a year, why am I being asked to enter my credit card information? I logged out and tried to sign on again, but it gave me an error message, I guess since I used the system once, it would let me continue, unless I enter a credit card number. 
Thank you for your help! 
XXXX
Both XXXX and Equifax will not update late payments on a transfered mortgage loan account I had with XXXX XXXX XXXX. I sent a letter to the CEO of XXXX XXXX XXXX asking for late payment forgiveness because late payments were affecting my credit ability. The CEO of XXXX XXXX XXXX agreed to remove all late payments and I was sent a letter. I sent the letter to XXXX, Equifax and XXXX. XXXX has updated my account and removed all late payments. XXXX and Equifax has not. I started a dispute with both and XXXX made no changes. Equifax has not updated in over a month, so I am not able to see what has happened with them. I want this account updated to reflect no late payments immediately.
Harvard Collections opened onXX/XX/2018 an entry to all three reporting agencies. I never recieved any correspondence requesting the validation of this debt. 
This is a violation of my consumer rights because I was unable to dispute this debt. 

http : XXXX My Identity was stolen. I did not know about this account.
The credit agency representing  XXXX  has violated the FCRA by not providing signed documents to me in regards to this debt. I have no knowledge of this creditor and have not received anything that pertains to this debt.This s unverified and immediately needs to be deleted from my all credit files. :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If ERC does not have any documentation, they need to retract this from m credit file immediately.
The debt was from XXXX, XXXX which said that I owe {$870.00} to XXXX service at an address I never lived. I sent a letter to XXXX XXXX, XXXX. enclosing all the information that they asked for which included an XXXX bill, a copy of my social security card, my driver license and a police report. So for two years everything was fine. Then XX/XX/XXXX I started to get Collection notices from CCS USA CREDIT COLLECTION SERVICES. I called them and they were very rude and said that I owe this money and that the service was for address that I currently live at which is not true. The services was at a different address. I spoke to a man named XXXX who said he would call me back the next day of which he did not. I waited another month and called again and was told the same thing. To this date there has been no action done and it is still sitting on my credit report. It is the only negative entry on my credit report. I am XXXX years and I have never had a negative entry on my credit report.
Over the past year and a half my credit score has dropped nearly 150 points. This in spite of the fact that my credit history is flawless on their own reports. It has been that way all my life. Nothing financial has changed in the last year and a half. What the agencies claim justifies the reduction is my low number of open accounts. That too has not changed for years. I am retired and have a decent SSA and portfolio income. I applied for an additional credit card to increase my accounts and the credit checks count as an additional negative. I own my home and cars. I recently bought a new XXXX and paid cash. That apparently was financially irresponsible of me according to the agencies. These people are malicious and need to be better regulated.
XXXX XXXX XXXX NO ; XXXX C/O Resurgent Capital Services ;  XXXX XXXX XXXX XXXX SC XXXX ; this was sold to the collection company from XXXX XXXX XXXX, and I received notification from all 3 Credit Bureaus that XXXX XXXX XXXX was Deleted from my credit, and this is the only one that is showing up on my report would like this Deleted from my credit as well
ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS ( XXXX XXXX ACC # XXXX, XXXX ACC #  XXXX AND XXXX XXXX ACC # XXXX ) TO CREDIT FILE AND ALL STUDENT LOAN REPORTING INCORRECT ( 11X ) DATA OF THE SAME PAYMENT HISTORY NOT UPDATED " OK '' STATUS/ " R-1 '' AND NEVER LATE
I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to* promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you
I have asked Equifax to provide copy of sign agreement, applications, and any other documents that show two accounts are being reported accurately. Equifax said each account was being reported accurately, but never provided any documents to prove so and all three accounts still show inaccuracies listed below. 

Dispute Letters Sent : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Name : XXXX XXXX Issues : After investigation, account removed from XXXX Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section 609 Account Name : XXXX XXXX Issues : After investigation, account removed from XXXX and XXXX  Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section 609
OCWEN MORTGAGE. Ocwen sent escrow shortage notice XXXX/XXXX/15 reporting XXXX {$960.00} amount. I paid this amount in full and payment was credited to my account as Escrow Payment on XXXX/XXXX/15. Received statement dated XXXX/XXXX/15 for XXXX/XXXX/15 payment and Escrow amount was listed as {$370.00}. On XXXX/XXXX/15 Ocwen processed a payment which included an escrow payment in the amount of XXXX {$960.00}, the full payment including this escrow amount was deducted from my checking account. The amount deducted was in excess of @ {$580.00}. Fortunately I had the money to " float '' Ocwen 's accounting mistake. If I did not have the extra funds in my account I may have been charged excessive bank fees, erroneous credit reporting, and ridiculous amount of time and effort for the inept activity of Ocwen. Currently Ocwen is reporting on statement dated XXXX/XXXX/15 I again owe XXXX {$960.00} for escrow. I contacted Ocwen XXXX/XXXX/15 and spoke with Escalated call rep XXXX who is researching my complaint and reports my information is correct regarding the error in the escrow amount and once review is completed I should expect a refund check within 5-7 days ... ... ... ... ... ... ...
I arranged with XXXX for phone, tv and internet service in XXXX 2015. The installation was badly botched and none of the services worked. Nevertheless XXXX XXXX sent a bill for {$43.00} for XXXX service and within weeks sent it to collection. I subsequently received a gift card returning {$18.00} from XXXX XXXX ( a subsidiary of XXXX ) indicating no further payments due. But XXXX sold the account to XXXX XXXX who then. Now I 'm getting called by a XXXX debt collector Diversified something or other.dropped efforts once informed of the XXXX response.