WillisBack/dataset-financial-user-claim huggingface dataset:
I was upset after I viewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due XX/XX/XXXX, 60 days XX/XX/XXXX, 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
We are being foreclosed on illegally by Nationstar Mortgage because none of our ( 12 ) payments were credited properly to our account by them ( even though the account number is correct on all our reciepts XXXX. We have submitted all the receipts several times by XXXX, fax and have all the delivery dates confirmed, and they have been stringing us along, taking their time 'researching ' the issue but with no result. Meanwhile, they have scheduled to auction our property on XXXX XXXX. 2015. This has cause us immeasurable XXXX, and to top it all off, has ruined our pristine credit score.
during the processing of our mortgage, Primelending mortgage service  has not fulfilled their commitment for the locked rate. It caused us higher interest rate plus extra charge for the point. Their reason was we delayed the appraisal, which we have communicated with them it would have to be hold-back for a week. In turns, they keep delaying the disclosure statement, and escrow date was moved back twice due to their lack of response. The escrow service team and the vendor lawyer had contacted them numerous time to finalize the deal, the deal almost fell through.
we have contact Primelending and the reply was our fault for delaying the appraisal process, and our debt ratio exceed their guideline which has never been stated. Also, we have rental agreement with a tenant with a monthly payment qualify for the mortgage.
We much appreciated you could open an investigation into the issue.
Thank you
I received a letter on XXXX/XXXX/XXXX advising me that I owe {$1800.00} to the City of XXXX for Parking Tickets and No City Sticker. This is the first time I am hearing about this and the letter states that my opportunity to contest this has expired. The dates of all of the tickets are in the year XXXX. I have lived in the City of XXXX, State of Washington since XXXX, XXXX. I have not been back to XXXX for at least 10 years. This has to be a case of fraud and I am not the XXXX XXXX who got these tickets. The Law firm is Linebarger Goggan Blair & Sampson , LLP and they have threathen to garnish my wages, my bank account and file a lien against my property. I am XXXX yrs old and receiving Social Security. This company did n't even do their work to verify that they have the right person and have now waited 4 years later to inform me of this. Please help me. Thank you.
XX/XX/2018 I contacted Experian via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.
M & T Bank mortgage. Our home is in Florida. We received one month 's mortgage forebearance after Hurricane Irma on XX/XX/XXXX because my husband was out of work for almost a month. M & T referred us to XXXX who advised us to overpay our mortgage payments in XX/XX/XXXX and XX/XX/XXXX in order to avoid having to go on a payment plan. We did so. In XX/XX/XXXX, we realized they had applied the overpayment to the principal, not the missed payment. Called M & T was assured it was sorted out. In XX/XX/XXXX, I called M & T upon making the final portion of the missed payment to ensure all the money was directed to the missed mortgage payment. Was assured that it was. In XX/XX/XXXX, we received a {$59.00} late fee, notice of missed mortgage payment. Called again. Was refunded the {$59.00} late fee and assured AGAIN that the overpayments were applied to the missed payment. In XX/XX/XXXX, had ANOTHER {$59.00} late fee and notice of missed payment. Spent another hour on the phone with rep. It now appears to be sorted out ; however, our XXXX statement of mortgage interest for XX/XX/XXXX is understated by one mortgage payment or approximately {$800.00}. Was assured on Monday, XX/XX/XXXX that the statement would be corrected and would be available in a couple of days. Called again on XX/XX/XXXX and was told the statement hadn't even been ordered. My taxes are already with the accountant and the amount will have to be estimated now. I would like to know how to report M & T for fraudulent business practices. Misreporting mortgage interest on a federal form would seem to be a crime to me.
I have flood insurance money $ XXXX that is sitting in a restricted escrow account at Wells Fargo where my mortgage is. I have been calling for the last 2 months to learn how to apply these funds to my mortgage and I have been given the run around. I have done everything that Wells Fargo has asked and they have NOT done anything on their end that they have said they will do. I am told repeatedly that I will get a phone call back and I have never once been contacted. I am told the claim has been moved to the Mortgage department from the Property loss department and that has not happened either. Every time you call they are very nice ; however, they do n't do what they say they will do. 
I have sent sales agreements, contact information for realtors and title company officers that are selling my home, signed letters, memos, etc ... and I am still waiting for the transfer of funds to occur. 
Wells Fargo has the money and I am asking them to apply these funds to my mortgage and they are stalling, refusing, incompetent, something of the above. I spend an average of 30 minutes per phone call and I have called easily 20 times. I do n't have this kind of time to spend on the phone repeating myself and 'waiting ' until the end of business day for it to be resolved and then it is not resolved.
They Wells Fargo charged me XXXX for taxes ... for what tax ... I already wrote to you people ... the money that they charged me at the amount of XXXX for taxes ... I've told you people I don't pay taxes ... 
Now you have the paperwork of what they say ... .where they took the money for taxes ... they contradict themselves ... now it's not about taxes is about escrow..that they took the money ... .Mr. XXXX they Wells Fargo did what? Read the papers ... I already paid for wind and storm damage insurance and fire insurance ... so it there was no money collect from Mr.XXXX ... not from me ... 
Read the documentations where they did what? XXXX me over..where these XXXX sit on their XXXX XXXX ... they XXXX  up and they are trying to cover it up ... just give me my money ... 
from XX/XX/XXXX to XX/XX/XXXX ... taxes ... what taxes.. 
I graduated at the age of XXXX years and enlisted in the XXXX I was XXXX years old when I wet to fight ... in XXXX ... and get this XXXX from XXXX..as I said they are trying to cover up their mistakes ... so what if they get fired ... not my problem ... ask the XXXX ... everytime some crooked mortgage company takes over I have to pay more for my mortgage..WHY IS THAT? 
They stated that they sent a copy of the endorsed check..they are XXXX XXXX ... so one is going burn ... not my problem ... they had no right to take my money ... 
They owe me ... no wonder this country that I fought for..is so XXXX up..where XXXX XXXX runs these country ... but don't think for one minute, I that I will give up to these XXXX XXXX XXXX XXXX XXXX ... they play their game and I'll play mine and they will lose ... The corporate office is not far from me ....
Ive tried contacting them to let them know that my identity has been comprised because ive never had service with them although they refuse to remove this black mark from my credit report. I 'm filing to have them remove this fault debit from my all  three credit bureaus.
There was fraudulent activity on my account where I had money ACH transferred out of my Capital One savings account into some prepaid debit card account. I made the calm to Capital One, I never head from the investigator even though I left multiple voicemails and a few months later I got a letter saying my claim was denied.
I 've attempted to dispute this unknown collection with credit bureaus. The collector verified this debt. This debt collection is unknown.
I tried to make a payment and miscalculated over by {$200.00} on XX/XX/XXXX. I've since, 12 days later, have not had the error cleared with that credit card payment attempt with XXXX bank. I have pursued resolve with both XXXX and Ally and I still have no solution. Both banks blame each other. XXXX says they're waiting on Ally to finish their job with the fed reserve for the fed to send back the error. I asked Ally to fax XXXX, which city at first said would help, and later said would not. Ally though, said they won't, and to use my email letter I received. I have since used the letter to fax to XXXX. Ally said they'd forgive my error and return my {$25.00} overdraft fee. They did do that, then somehow, insanely, have RECHARGED me {$25.00} two more times. This is insane.
I have recently disputed my dismissed bk from XXXX and they 've deleted it! But it 's still being reported by these two CB ( TransunionXXXX ) ... Attached to this is proof that this was deleted as of XXXX XXXX 2017. Please follow suit and delete this for accurate reporting. It must be deleted in order to show my true credit history.
On XXXX XXXX 2016 I mailed a deposit to Captial One Bank in their postage paid envelope, with my deposit slip, and a check for XXXX made payable to me. On XXXX XXXX 2016 I received my XXXX statement and the deposit was not on the statement. Today is XXXX XXXX and I have called them numerous times over the past four weeks, sent faxes, and still nothing has been resolved. My last conversation, today was they want me to resend the fax. It was lost due to the flooding in XXXX. They will not accept an emailed document. I am turning this over to the CFPB as I am getting nowhere fast trying to resolve this on my own. I need help getting my money back. They cant seem to tell me where my money went or how they plan to correct it. All they can do so far is give me a huge run a round and it 's been almost 30 days since I notifed them of their error.
When l checked my XXXX credit report, l noticed that a hard inquiry was reported by CHASE CARD on XX/XX/2018 which l have no idea about it.
TD Bank associates have been provided with several claims and supporting information pertaining the unauthorized use of my account information, unauthorized charges, and unauthorized electronic transfers and the issuance of a debit card to an unauthorized party. 

Administrative personnel from TD bank branches XXXX XXXX XXXX, Assistant Vice President, NMLS ID # XXXX and XXXX XXXX, Assistant Vice President, NMLS ID # XXXX have attempted to address my concerns after representatives requested for escalation. To this date, I am being prevented from accessing my bank account and information related to the claim presented for unauthorized transactions has not been provided. Personnel has said that the department that should respond to this issues has remain irresponsive and refused to provide a resolution. 

I have been awaiting for a proper resolution and the mitigation of my losses for a period of a month and 2 weeks.
I have XXXX credit cars with XXXX XXXX XXXX, XXXX is a XXXX, the other a XXXX. Both are current, with a {$24.00} balance on the XXXX, and a {$0.00} balance on the XXXX. TransUnion is showing that I have a card with XXXX XXXX numbered XXXX ( it does not list the last XXXX digits ) with a balance of {$720.00} that is over 120 days past due. This is not my card. I have notified TransUnion. I called XXXX XXXX to notify them, as well. XXXX XXXX says they will need 90 days to investigate, and that I need to deal with it through TransUnion, as it is their error, not XXXX XXXX 's. The XXXX XXXX employees speak English very poorly, and communicating verbally with them is difficult. They provide no email address to which one may send electronic correspondence. The entire thing reeks of a scam.
Dear XXXX, My case number is XXXX. 

I am dissatisfied with American Express Response. 

American Express has completely ignored my complaint that I have made a phone call in XXXX 2015 and closed ALL my American Express accounts With XXXX balance ( call was recorded ). 

I explained to the representative on the phone that I am living XXXX now and all my business relationship with the addition person on the card, XXXX XXXX, who lives in California, has ceased. The american express representative assured me on the phone that all the accounts were closed with a balance of XXXX Dollars ( PHONE CALLS WERE RECORDED THROUGH AMERICAN EXPRESS ) American Express took NO steps in regards to my actual complaint. The company did not address my concern at all. Instead they sent me the charges made on the card ( charges I have not made ). They ignored the fact that my accounts were closed by me with zero balance in XXXX 2015. Those charges were made in XXXX 2015, long after I closed all my accounts. 

Please kindly investigate this matter as my phone conversations to close the accounts were recorded by American Express. 

Please involve federal trade commissioner or any entity that can help justice be served and protect consumers from such negligence. 

Thank you and looking forward to hearing from you. 

Kindest regards,
I received a negative collection on my Experian credit report for the company EOS CCA. It shows the original creditor to be XXXX. I do not have nor have I ever had any delinquent accounts with XXXX. I contacted XXXX and about this issue and they stated that they had no record of a collection or any type of delinquent account in my by my SSN/Name. I disputed the collection with Experian and it came back as being founded. This is NOT my account and this EOS CCA company is fraudulently putting times on my credit report.
I am filing a complaint against Dept of Ed/Nelnet with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Update from case # XXXXBank of America has assigned me yet another case manager : XXXX XXXX. I last spoke to home on XX/XX/2015. At that time we agreed that I would re-apply for a home loan modification. He was to send me via XXXX the paperwork and mailer with which to send updated income information and bank statements. As of today, I have not received these document instructions or the mailer. I just tried to make a payment on my account to bring it current and the Bank of America website locked out my new bank information, so I am unable to make this payment for the next 3 days, thereby making my payment 30 days late ( unless I pay a {$15.00} fee ). 
I contacted the HOPE line as included in my Bank of America denial letter. In speaking to XXXX representative over a 2 hour time frame, I was told that I do not qualify for help because I am not late in my payments. I was also told that the option that Bank of America gave to me : a short sale, that I do not qualify for this as I have equity in my property and not " upside down ''. I would think that a banks should know this if they were truly looking at my case. The other option : Deed in Lieu of Foreclosure appears to give the bank all of the assets that I have worked so hard to avoid. 
Bank of America is taking away my ability to keep this property by denying my request for the home loan modification. I do not want to become late in my payments. I do not want to send private documents without some sort of paperwork to support them. Bank of America has placed barriers to my ability to continue paying for this property and appears to want to take the pro cedes of my hard work over the past 10 years. 
Please help me. All I am getting is lip service and time wasting telephone calls with no action. 
I am attaching the letters that I was sent supporting this complaint.
In previous correspondence I have requested a new point of contact and not the person whom previously failed to grasp knowledge and understanding of my accounts and failed to control herself in conversation and continually interrupting questions and answers. I contacted and emailed the corporate headquarters to make this request for a new point of contact and due to my hectic work schedule, it is my request that I receive no phone calls until and after XXXX. All correspondence should also be placed in writing and sent to me via email and or at my home at XXXX XXXX XXXX XXXX XXXX, NC XXXX. Additionally I would like to make the request for a full Amortization Schedule, as it would clear up any further confusion by the Wells Fargo Home Mortgage Department.
Ally Auto Financial. My name is XXXX and I have a loan with this bank since the spring of 2014. I have paid my car without no late payments and recently they have elevated my interest rate when I sign up for a fix rate loan. I remember the original contrac stated that my amount was about {$360.00} and I always paid {$400.00} or more. I have ask them for the original contract and they keep on calling me. Just now on xmas eve calling me. I remember changing my payment date to every 30 of every month and I recently send a payment of {$260.00} and when I get pay this friday I will send a second payment before the end of the month please ask them to send me the original contact for XXXX XXXX and my ss # *********** I did a name change and my formal name was XXXX when I purchase the car. I need to see also a history of all my payments. Help me they call me every day even on weekends. I am closed to pay the loan and I have about two years left and now this company coming up with new charges
XXXX : CITI PREMIER CARD ending in XXXX The benefits promoted before enrollment sound great. Honoring a claim, not so much. The trip cancellation benefit is promoted as giving refund if one can not take the trip due to sickness. What is not made clkeare is that, effectively, there is NO coverage in most cases. To wit : My reply from XXXX XXXX of XXXX XXXX says " any incident/event that occurred prior to the trip being booked are not covered ''. That makes NO COVERAGE the likely result of a claim. 

I feel that this is a SCAM. I would never have taken the card for this purpose has I known there was such a NARROW definition of coverage. I tried to read the " small print '' and did not pick up on this language. 

I submit that the promotion and method of dealing with claims results in false advertising, misleading advertising and scam. I would expect no less from CITI BANK but was not aware of this problem at the time. I believe that XXXX and XXXX XXXX are willfully bilking the public and request whatever powers you may have to stop this SCAM and reimburse me as advertised
Hi, I have been unable to get a valid response from their collection team. I am at the end of a very long rope. I have logged complaints on their site, with the department of ed and with FASFA. I understand that their business model requires that they maintain exuberant fees. However, I would hope that would not be at the cost of integrity. Several things keep occurring and I can not get the correct resolution. 

1 ) All my requests for accountability have been ignored. This should include any computer calculation programming ( to validate for errors ) and the itemization of how numbers were applied.

2 ) Several documents uploaded to their portal were removed by their company 3 ) The initial contact person was okay, but massively misquoted the payments. If the ONLY way you communicate is phone, then why is that person 's system so radically different from the office staff?

4 ) Why do they refuse to make contact via e-mail? I have extremely limited phone use.

5 ) I have now made 4 payments of {$370.00} to the dept of ed and my loan has not been released. Furthermore, they have stolen these payment to apply to their fees instead of the loans.

I am trying to work with what now appears like a corrupt company. Is this the image they are striving for? They will not provide me with an officer 's name at the company to discuss how to correct this.
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I believe that this account ( s ) is invalid or contains incorrect information. Please validate this account ( s ) in its entirety or remove this entry from my credit report immediately. Thank you. 

XXXX Account Number : XXXX XXXX Account Number : XXXX