WillisBack/dataset-financial-user-claim huggingface dataset:
I had my mortgage loan with XXXX for past 10 years. Suddenly, I received a letter on XXXX and indicated XXXX would stop servcie our loan from XXXX XX/XX/XXXX and Rushmore, and the new loan company who bought our loan would start servicing our loan. Also, XXXX told us that we should receive the payment coupon from the new mortgage company. 

That was why we did n't given our morgage payment in XXXX becasue XXXX did n't mail the payment statement and coupon to us. At the same time, we were wariting for the Rushmore 's payment starting on XXXX XX/XX/XXXX. But we could n't recieve it, so inteand sending our XXXX XX/XX/XXXX payment to Rushmore, we sent it to XXXX. XXXX the XXXX received it, they sent us a letter that indicated our XXXX XX/XX/XXXX payment would be transferred to XXXX but XXXX told us this would be the XXXX time for the XXXX. On XXXX XX/XX/XXXX, we still could n't receive any payment coupon from Rushmore, but we decided to mail out payment to Rushmore anyway. We did it and Rushmore cashed it. 

Since we have never and ever received the payment coupon from Rushmore, the new loan company, we started to feel it must be something wrong. We did n't send our mortgage payment on XXXX XX/XX/XXXX. In XXXX XXXX we started to hear their complaints and recevied a complaint from the court and they asked the court to collect our past ten month mortgage missing payments. They indicated that we broken the contract, etc ... 

We sent my XXXX XXXX, XX/XX/XXXX mortgage payment to XXXX, they returned it to me. 

We got all our mortgage payments history and sent to them for the dispute on XXXX XXXX, XX/XX/XXXX, but they still sent us Notice Of Intent To Foreclose and said that if we do n't pay them total of {$62000.00}, the missing payment from XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX before XXXX XXXXXX/XX/XXXX, they will initiate foreclosure proceedings ... etc.. 

We do have the missing payment money for total of {$24000.00}, the current XXXX payments we owe to them but they do n't want it and they are demading on {$62000.00}, that we do n't have it. 

I will hire a attorney to send a lawsuit against the XXXX and this may be the only chice we have at this time becuase there is no way the Rushmore can do what they want and take our home as granted. 

Amyowner of the house!
I am a Bank of America customer. Approximately 5 years ago I requested for a home retention assistance from Bank of America. I was told several times that the amount owed would be placed on the back end of the loan. I started receiving notices that my loan was in the arrears and that it needed to be brought forward. The amount was never placed in the arrears and I can not get in front of the loan. I requested again for a home retention modification. This process was delayed repeatedly by Bank of America. Documents were requested by BOA and resent several times. My account was transferred to several account reps each time being asked for documents that were already sent. Loan took over 7 months to process. I was again informed that my arrears would be placed on the back end of the loan. I never received notice except for a phone call from XXXX XXXX that my loan modification was approved. I began making payments but then received notices that my loan was again significantly in the arrears. I started setting in bi-monthly payments at an amount that was more than what the new loan amount was for but was told this was not acceptable because I was placed in a " TRIAL '' program. When I inquired about this program I was told that I was only permitted to pay the exact amount that was due and not more, not less. My new account representative, XXXX XXXX, advised me that I was no longer in the trial program and that my loan was reverting back to the original amount owed because I was not complying with the " TRIAL '' program. I did not receive information on this trial program and was never informed of the terms of the program. 
The BOA refusal to place my outstanding owed amount in the back end of the loan has made it impossible for me to bring my loan current and has destroyed my credit scores. The reasons for requesting for a loan modification was to save my credit ratings but BOA has outright destroyed any and all hopes of rebuilding. I have been making payments that are larger than the amount due in an effort to bring the loan current but this can not happen. My payments are made ever two weeks yet BOA does not acknowledge the payments until the next payment is made. They collect the interest on this loan and also collect interest on the payment. 
I have called numerous times to no avail. I am making my payments and they continue to report negative entries on my credit scores.
the following inquiries and dates are unauthorized and I don't recognize where they came from : XXXX XX/XX/XXXX XX/XX/XXXX XXXX Banks - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific
so since the XX/XX/2017, we had are car reposed and I filed a compliant then will that same day my husband drove out and talked to them and I called and to the GM at XXXX AR XXXX XXXX and he had told me that they have received the paperwork about or petition of affirmation of asset automatic stay well I sent a story behind that we were mislead and scammed and took for money and it was not filed at all, we did n't know till the next day when they took our truck well when I spoke with the gm from XXXX XXXX in XXXX ar, he said if we filed the petition the next day or when we could and GET IT APPROVED THROUGH THE COURTS THAT WE WOULD GET THE TRUCK BACK AND HE WOULD WORK THE LOAN OUT SO ARE PAYMENTS WOULD BE LOWER AND MONTHLY,. 

WHEN MY HUSBAND GOT THERE THEY TOLD HIM ANOTHER STORY THEY SAID HE HAD TO PAY THE TOWING FEE AND BRING TWO CHECK STUBS FROM ME AND HIM AND THEY WOULD RELEASE THE TRUCK BACK TO US. 

WELL THEY HAVE NOT CALLED OR SPOKE TO US BUT MAYBE THREE TIMES ALL THE WAY UP TO THE XXXX OF THIS MONTH AND THEY TOLD MY HUSBAND THAT WE WERE GETTING THE TRUCK BACK IF I DROPPED CIVIL SUITS AGIANST THEM WHICH I NEVER FILED I FILED COMPLAINTS AND IN THE COMPLAINTS SAID IF THEY DID NOT WORK SOMETHING OUT I WAS GOING TO FILE A SUIT WELL THEY STOPPED TALKING TO US AFTER THAT HERAD NOT A WORD AND FINALLY TODAY MY HUSBAND DECIDED TO CALL WHICH TOOK HIM 30 MINS AND HAD TO CALL 800 NUMBER CAUSE THEY KEPT HANGING UP ON HIM, WELL THEY SAID THEY WOULD CALL HIM BACK WHICH THEY DIDNT AND IT WAS GETTING VERY LATE WERE THEY WOULD CLOSE SO HE CALLED BACK AND THEY TOLD HIM A WHOLE DIFFERENT STORY THEN WHAT THEY HAD TOLD US BOTH AT ALL THEY SAID WE DEFAULTED AND DIDNT HAVE INSURANCE WHICH WE DID HAVE INSURANCE AND WE DIDNT DEFAULT HUSBAND HAD AUTOMATIC WITHDRAWAL WITH THEM WHICH WE HAVE THE SIGNED DOCUMENTS FOR THAT AND THE BANK CAN VERIFY ALL THAT AS WELL THIS IS WRONG AND HE TOLD US HE WASNT EVEN GOING TO CONTACT US ABOUT IT AT ALL THAT THEY WERE JUST GOING TO DO IT AND NOT SAY NOTHING FIRST THEY REPO THE CAR WRONGFULLY LIE TO US ABOUT EVERYTHING THEY WERE GOING TO DO FOR US AND THEN WITH ANY NOTICE OR WORD JUST THROW AWAY THE CONTRACT OUT OF THE SYSTEM
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Capital One XXXX made unauthorized charges to a personal account ending in XXXX from a business debit card ending in XXXX. This issue is ongoing and was unresolved after speaking with : XXXX - XXXX, TX Supervisor : XXXX - XXXX, TX On XXXX/XXXX/XXXX.
Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billinge Fair Credit Billing Act of 1975 ( FCBA. I have tried to fix this problem but transunion ignored my request for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ). I want valid proof attached to this complaint that these  account belong to me and how they verified i was late on these accounts under Fair Credit Reporting Act.
I got a new alert today. So when I check my credit report an account was placed in collections for Midwest Recovery Systems with the original creditor as XXXX. 

I have never heard of this company and I did not take out a payday loan with this company. I never received anything from Midwest Recovery Systems or XXXX XXXX XXXX.
On XX/XX/XXXX I applied for a loan on the XXXX website for 0 % interest financing for 18 months. I input my information and was approved for a {$5000.00} line of credit. I received my first bill and it states that I am paying 29.99 % financing on my purchase. I called Fortiva Retail Credit and was told that I was n't approved for the 0 % financing but the 29.99 % financing. When I submitted my application, the website never said " your not approved for 0 % financing however we can offer you 29.99 % if you want to continue ''. This is a total bait and switch scam. I would have never gone for the 29.99 % interest rate. I could have used one of my lower interest rate credit cards or not moved forward with the purchase. When I called customer service they told me I signed an online disclosure. I never received it. I went through all of my emails and they only correspondence I have received other than the online application is the monthly statement I received. At the very least, there should be an indication that you have not been approved for the 0 % which is what you are applying for on the XXXX website.
I am an Amazon Prime customer & I purchased a massage chair 45 days ago via Amazon Prime. The purchase price was {$2200.00}. When I was making this purchase a pop-up ad appeared offering 12 months same as cash financing if I applied for an Amazon Prime charge account. I applied & was approved for this account which it turns out is offered via Synchrony Bank in XXXX, OH. 2 weeks after the purchase I attempted to make a payment on my Synchrony Bank account online. I got a message saying I needed to call an XXXX # so I did. The XXXX # was answered by Synchrony Bank 's Customer Service Department. The agent told me I needed to verify my identity because someone at Synchrony had placed a Fraud block on my account. After answering 5 minutes of? 's the agent refused to let me make a payment. He put me on hold for 10 minutes & then told me that his Manager said that I needed to make a copy of my Drivers License, write my account #, date & sign it & mail it to Synchrony Bank in a XXXX, OH. I told the phone agent that it was crazy to me that he would n't let me make a payment on my account. I asked him who commits fraud by making a payment on an account? He could n't answer my?. He proceeded to give me a 2 minute disertation about Synchrony Banks Fraud policies. The next day I made a copy of my Drivers License, signed & dated it & wrote my account # & mailed it. Yesterday I tried again to make an online payment & got the same message telling me to call an XXXX #. I called the Synchrony Customer Service Department last night & the agent ( XXXX ) gave me the same FBI interrogation that I got 3 weeks ago. He refused to let me make a payment so I asked to speak to a Supervisor. The Supervisor admitted that Synchrony received the copy of my Drivers License I mailed 3 weeks ago. She said my account was under 'investigation '. I about fell out of my chair in disbelief. I asked her how I was OK to get approved by Synchrony for a {$3000.00} Amazon Prime account but I am not OK to make a payment on the account? She placed me on hold for 10 minutes & then told me she would create a XXXX call with a payment agent that could take my payment. After I made my payment the Supervisor said in order for Synchrony to remove the Fraud block on my account i needed to make a copy of a recent utility bill & mail it to the same XXXX XXXX XXXX XXXX, OH where I sent my Drivers License. I told her that I was n't going to waste anymore time sending Synchrony Bank ID docs. I told her I was going to file a complaint against her company & their Gestapo tactics. She told me that there was a late charge on my account & I asked her how that could be when I have n't received any statements or emails telling me how much I owe. I also reminded her that I was supposed to receive 12 months same as cash. She told me she could n't discuss my account because of the Fraud block. This is the most insane thing I have ever seen in my XXXX years on this planet. Help!
I contacted Citi by phone on XX/XX/XXXX and requested a replacement credit card for a new card ( ending in XXXX ) that was never received in the mail after being approved for it. I was told that a card would be expedited. I then called Citi back on XX/XX/XXXX and was told once again that a card would be expedited to me. The card never arrived after attempt # 2. I then filed a complaint with the CFPB. On XX/XX/XXXX, XXXX XXXX from the Executive Response Unit stated in writing that a card was expedited to me on XX/XX/XXXX. That card never arrived after 3 different attempts, so I filed another complaint with the CFPB on XX/XX/XXXX. I finally ( miraculously ) received a new card on XX/XX/XXXX while out-of-town in XXXX XXXX for a major trade show ( my signature wasn't provided nor has the card been activated at time of this complaint ). 

On XX/XX/XXXX, XXXX XXXX informed me that I only have 4 days ( XX/XX/XXXX ) to initiate a balance transfer even though I don't have the card in my possession yet ( I am still in XXXX and the XXXX envelope is sitting on my porch ). 
I made several attempts to receive a physical card so that my account could be set-up. Telling me I only have until XX/XX/XXXX ( 4 days ) to do a balance transfer is unjust ( and illegal ), especially since I haven't been able to utilize or take advantage of the offer due to delays and negligence on Citi 's part. Why wasn't the card expedited back in XXXX after two separate attempts? How about XXXX? What exactly happened? Why weren't the cards sent as promised? Was it my fault? How was I able to take advantage of the advertised promotion without a physical card in place? 

I have never had this issue with XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, or XXXX XXXX XXXX.
I have initiated a correction with XXXX, Equifax and XXXX regarding the status of a student loan that is showing 90 days past due on all three of my credit reports. I have submitted documenting twice to all three companies to show there was an approved forbearance. After the initial 30 day investigation, nothing was updated and I was told to resubmit the paperwork for all three to re-investigate. All there have requested the info for the re-investigation via mail, on line and fax. I am unable to access an account information that is sent to me, the sites keep saying my information is not correct and while speaking with each company no one seems to understand and or provide any information. When asked to speak with supervisors I am wither hung up on or transferred to a line no one answers. 

I understand that opening an investigation, the companies are supposed to investigate, when asked how they conduct the investigation they have no answer and seem to loose or misplace the documentation that is sent directly to them. The work is already done for them in providing the documentation, which I had to do to actually fix the issue. 

I have received emails from all the companies setting the dispute is completed but when I call they state they are still investigating. How can both be true? I am just looking for my credit report to be accurate. It is a shame that the reporting agencies actually have the power to provide details about an account under the guise of we investigated.
Wells Fargo put Gap insurance on our car back in 2013 even though we have always had car insurance on both vehicles ( We have had XXXX XXXX and XXXX, XXXX and back to XXXX ). We've always had the required insurance coverage needed by law with Wells Fargo as the lien holder. provider XXXX They put it through XXXX for a 2nd time XX/XX/2013 even though I would always confirm with the insurance company that Wells Fargo and our other loan had the policy information. They tell you to fax it to Wells Fargo Dealer Services Auto Insurance or mail it to XXXX XXXX XXXX XXXX, Pa XXXX I believe they never deducted the amount from my loan that was added in error.
this orignal account was paid and agreed to be removed from my credit reports. when disputed with XXXX and XXXX,,, this account was removed from my account,,, however,,, equifax continued to continue reporting this as accurate information even though i had disputed correctly and given documents of proof.
In XXXX, I received a call from an unknown collection agency stating they were a collector for AAFES/XXXX XXXX. I was unclear who they were as I never received a correspondence from them nor AAFES about any debt. The representative on the phone had a very intimidating and condescending tone and threatened to garnish my wages if I did not make a payment that moment - insisting they have permission to collect payments even if it was an over payment. It was my responsibility to call them for a refund. 

My next pay check amount was nearly 100 % garnished. I had still never received any written correspondence from either the collection company or AAFES. I also did not receive a pay amount or any correspondence sent to my home. 

Letters were sent to my chain of command multiple times - that I did not even receive until after the payments were garnished from my paycheck. This means my whole entire command knew of a debt before I knew and BEFORE I could even verify it was valid. I was verbally accused I was not managing my finances from my superior after the letter was handed to me. 

Even while the payments were being garnished, I received a minimum of 10 calls per day until I was afraid to answer calls from an unknown number. I was also afraid to make any necessary purchases - not knowing how much money would be in my paycheck even if the alleged debt was paid. As it was stated before, it was my responsibility to wait for the collector to call me back and request a refund, then wait for a check to be sent to me. 

Additionally, my recent knowledge AAFES ' class action lawsuit in XXXX, gave me the courage to speak up about the injustice I faced as a military service member. I believe I was subjected to illegal collection practices from AAFES 's use of administrative offset - a procedure whereby federal payments, such as social security, veterans ' benefits, and tax refunds are withheld to collect debt.
I worked for a non-profit organization for 10 years, and tried several times to change my repayment to the Federal Loan Forgiveness program, but was with XXXX XXXX and then Navient, and was always told I didnt qualify. I have several classmates with loans from other lenders who have had their loans forgiven while I am still paying. 
In addition, I have been out of work for a year, and had my loans put in deferment when I should have been offered enrollment in the income based repayment plan. This was never offered to me. Now Im out of deferment and required to pay while still not employed. Im paying my student loans from my XXXX! When they should have been forgiven a year ago!
I am disputing a debt i previously owed with XXXX XXXX. I had set up a payment plan to pay off an outstanding amount with XXXX and kept my promise of making payments but they sent my account to collections even though i was making payments. When my account was transfered to the debt collection agency i explained to them the situation and agreed that if i paid in full over the phone they would remove the information on my report. Since the agreement was favorable to me and since i had already been making payments i immediately paid the debt collection agency only to discover they did not keep their word and remove it. I have tried disputing the item on my credit report with no luck. I recently discovered that i could file a complaint so that is why i am doing so 4 years later. The account was not in collections any longer then a month, i was making payments prior to it being sent to collections to avoid it even being sent to collections and once it was there i paid it as soon as possible because they told me it would be removed. I would like to have this account removed because it was promised to me and it has been 4 years since it has been paid. I understand that credit reporting lasts for 7 years but in this case, it should not have stayed on my credit report.
We had been making bi-weekly payments on our mortgage for some time and paying extra towards principal. On XXXX/XXXX/16 and again on XXXX/XXXX/16 they pulled the payment from a different account at the same bank ( not sure how they got that account # ). This resulted in the second payment coming back NSF which alerted me to the problem. I immediately transferred money to this account and contacted Ditech. They claimed that it was impossible for them to get the other account information so it had to be on my end or the banks. The payment did go through the 2nd time it was processed but then Ditech sent me a refund for that payment? I then cancelled the autopay per there instructions and set up and electronic payment for XXXX/XXXX/16 to pay the next payment that was due on XXXX/XXXX/16. On XXXX/XXXX/16 I became aware that they did not apply the money to the payment due on XXXX/XXXX/16 but instead put some towards principal and {$420.00} towards some type of bogus corporate late fee? I called on XXXX/XXXX/16 and talked to XXXX (? ) and she told me that the funds would be reallocated properly and all late fees removed but it would probably take a few days. I have been checking my account every few days and calling every few days and always get someone different XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX that tells me that they can see that it is in for reallocation and that I do n't need to worry, all late fees will be removed when this is done and it will not damage my credit. It is now XXXX/XXXX/16 and it is still not done and my next payment is due on XXXX/XXXX/16. I refuse to send another payment until they straighten out the original payment because they tell me it will go to the past due payment of XXXX/XXXX/16 and I know this will further complicate things.
I have had this loan through XXXX XXXX since XXXX and it is estimated that my loan will be paid off in XXXX. I went to school for XXXX and my loan was for {$17000.00}. My interest on this loan is 7.25 %. I have never missed a payment and the amount barely goes down. They also charge late fees every month! I write a check and I do not do autopay so I can show that I am never late. Plus who charges late fees even if you are late a day or two? Anytime I call them it is the worst experience, they never have answers. I just do not understand why they do n't work with me since I have been loyal to my payments and I have n't defaulted in all these years. My taxable income last year was {$15000.00}, it is very hard to keep these payments.