WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a home XX/XX/XXXX and XX/XX/XXXX I received notice from the credit bureaus that I had a 30day late payment on my credit which has dropped me over XXXX points. After receiving the information that I had been late I went to XXXX/Stearns and asked when the payment was late in because the payment I had submitted was on XX/XX/XXXX which was 10 days past the date I needed to submit for. They then told me that the payment I made on XX/XX/XXXX would be to cover XXXX XXXX payment which would make it 40 days late. After much discussion I found that my account has had a rolling 30day late payment since XX/XX/XXXX. Believing this was wrong I went to my bank and requested the past years bank statements and payment history with confirmation of payment emails and have not found a month where a mortgage payment was not deducted fro my account. I then took the information to XXXX/Stearns and they told me to submit a email using their secure server on their website and include the documents that I have. I submitted 2 emails to Stearns including the information they required to resolve the issue and nothing has been done. We have also sold our house that was with XXXX/Stearns so the loan is closed out, but since XX/XX/XXXX we have received XXXX more 30day late payments on my credit report.
I have been dealing with Calvary Portfolio Services and their representatives, XXXX XXXX XXXX for over 7 years on a debt they purchased for pennies on the dollar. In XX/XX/XXXX, I made an offer to settle debts, after them having collected sums over the years, for a sum of {$5000.00} which was an amount I was barely able to gather. They refused the sum and countered at {$30000.00}, not entertaining any other viable and reasonable negotiations. Their representative from XXXX XXXX XXXX proceeded and placed a garnishment on my wages which grosses me, on average, less than the take home of a person on minimum wage. I asked again, in writing, that they end garnishment on XX/XX/XXXX as they have collected over {$26000.00} from me toward the debt and I felt this was a fair and reasonable resolution. The only response was a " Thank You '' for my email and I'm on the edge of my finances going past 30 days, barely enough for food and on the brink of bankruptcy. All I ask is for them to consider and resolve the matter as outlined a year ago. They have no inventive and continue to steal money from my family as I work hard to make it.
Upon reviewing my credit report I have found a Collection account in which I have no association with the collection account or the original creditor listed within the collection account. 

XXXX XXXX XXXX XXXX is reporting that I owe {$190.00} originally form XXXX XXXX is which i have no and never been associated with. I have attached a letter of validation for XXXX XXXX XXXX to validate this allege debt and provide any signed contracts so that i may understand where this is truly originating and find out if someone has stolen my identity or not.
XXXX and XXXX state that I have closed three XXXX XXXX Visa Credit Card accounts. Those credit cards never reached my address almost 2 years ago. XXXX XXXX told me at the time that these wont show in my credit report. I only have one credit card with them. I never closed 3.
I am the administrator of my late mother 's estate ( death certificate and my appointment attached ). At the time of her death and at the time of the modification in question, my mother had been declared incompetent, and the XXXX of Ky. ( " XXXX '' ) was acting as her legal guardian. 

My mother 's mortgage was owned by XXXX and serviced by Rushmore. Rushmore had initiated a foreclosure, but with my uncle 's assistance my mother avoided the foreclosure by securing a HAMP modification ( attached ). The XXXX signed the modification on my mother 's behalf. 

The modification provides several different dollar figures : * Original Loan Amount : {$100000.00} * Unpaid Principal Balance of the Original Obligation Secured by the Existing Security Instrument : {$94000.00} ( para. 4.P. ) * New Principal Balance : {$120000.00} ( paras. 3.B. and 4.P ) Neither the XXXX official who signed the modification on my mother 's behalf nor the XXXX 's attorney who reviewed it and notarized it understand how Rushmore arrived at these figures.
I have repeated asked Rushmore for an explanation of these numbers and the differences between them ( attached ), but they have yet to provide any answers.
The house is now under contract, and we hope to close in late XX/XX/XXXX. Rushmore has provided a payoff amount of {$130000.00} ( attached ).
I question how Rushmore added another {$32000.00} to the Balance of the Original Obligation to arrive at the new Principal Balance and whether these additional charges are consistent with the HAMP program. I need them to reply quickly so that we can resolve this issue prior to closing. 

The account at Rushmore ( # XXXX ) is currently being handled by XXXX XXXX / XXXX XXXX XXXX XXXX / XXXXXXXXXXXX.
XXXX XXXX  was included in my chapter XXXX bankruptcy and subsequently discharged. Experian has this item incorrectly listed on my file. I disputed it with them asking them to update the item as " included in bankruptcy '' and change the status to " unrated '' as provided in industry standards and federal law. 

XXXX XXXX. Account number listed XXXX I have a attached a copy of XXXX XXXX from my bankruptcy showing this XXXX account.
Ditech has not acknowledged our loan modification agreement even though it was underwritten by them and sent to us for signatures in XX/XX/XXXX and has been notarized and filed with the County clerk since XX/XX/XXXX 

Even though we have not received a bill for over two years, we have been making religious monthly payments on our mortgage. 

We have been sent to collections once and which we had to fight with Ditech to overturn ; then with the credit reporting agencies to restore our scores. Now we are receiving delinquent notices again. 

Repeated attempts to contact Ditech in the last two years have resulted in nothing more than, " ... we will have someone contact you. " ; " ... your loan has been payed off in full. " ; " ... your paperwork has been misplaced/misfiled. " ; or " I do n't know. '' ETC ... Now it seems that Ditech wants us to apply for another modification.
I have filed bankruptcy and XXXX XXXX XXXX is showing that I have 4 accounts on my credit when one was paid off, but it showing account closed due to refinance. Date open XXXX/XXXX/XXXX balanceXXXX, XXXX/XXXX/XXXX balance of XXXX, XXXX/XXXX/XXXX balance of XXXX, and XXXX/XXXX/XXXX balance of XXXX. Now I 'm seeing this company on my credit multiple times when only one of the account I went into default and then I filed bankruptcy.
On XX/XX/XXXX Lendmark Financial Services reported onto all of my credit bureaus in the amount of {$2600.00} as a derogatory account. I have no knowledge of this company and believe it to be fraudulent as I was part of the XXXX  breach and had my information stolen. I have reported this to all three credit bureaus through dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to no avail. I still have not received a single piece of paper from either Lendmark or any of the credit bureaus about this issue. Are they in league on this or what exactly is going on here?? I demand that this issue is resolved immediately.
I have IRA with NAVY Federal Credit Union and the balance is not correct so I requested copy 's of all withdraws, and they disabled ; my account so I have no access to my account, nor was I provided copy of withdraws base on the balance there funds are missing. They refused to provide requested in formation and then disable my account in questionable. This is a new compliant and they are not working on it How much more time will you give them to resolve the other compliant, you time limits means nothing to them or you as it appear I hope this is not a repeat of you action during nothing as rrequired
my name is XXXX XXXX. I am in desperate Need of emergency assistance. My friend of 18 years XXXX XXXX XXXX is and continues to be abused, punished, tortured, manipulated -- and illegally slowly forced to XXXX I am a XXXX -- currently unable to pay for renewal -- my friend XXXX is an XXXX -- who is a XXXX veteran a XXXX man with 20 years -- and a former postal XXXX of 20 years is being forced to die. I physically went to elder abuse and social services -- to report that his son XXXX XXXX XXXX and his daughter XXXX XXXX XXXX with her boyfriend XXXX XXXX are forcing extreme abuse. They have committed fraud through his home through XXXX and XXXX XXXX -- WHO ARE CONTINUING TO ABUSE ME THROUGH A PROPERTY I OWN IN XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX -- this is severe fraud that property through my XXXX  XXXX XXXX XXXX and XXXX my sister and theft and fraud please help me and XXXX I am at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX being forced to die illegally also through utility and gas control -- the police and courts are involved in the fraud please help severe theft throught phones, mail banking etc,
Looking at my credit report on XXXX XXXX 2018 I saw an account in collections and I never gave any company the right to share my information whatsoever. The account is for {$530.00} which is listed on my credit report as account # XXXX. I sent a letter to the agency today on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ) and the FDCPA ( Fair Debt Collection Practices Act ).
I received a automated call from the Lowe 's card fraud department. I called because the automated system was vary confusing in what it was asking me to confirm. At this point i was a little frustrated and upset because it effects the delivery I thought was already set-up for the fridge I ordered. The person who came on the phone she told me that they needed to verify it was me and told me that the card would now work. at this point i was irritated already with this agent. I was concerned with what was happening with my order the rep was not help, she kept telling me information that contradicted each other. she told me i would have to go replace the order and then said i do n't she couldnt actually give me a real answer to my question which made me more upset. i asked if this is going to be an issue who do i talk to about canceling my card. She said that that would be her but i cant cancel my card unless i pay my balance. This really made me upset because the agent rather then helping me would rather cancel my account. I asked her what my balance was and she said oh you do n't owe money its zero. I said ding ding ding correct then the phone disconnected. when i called back they told me my account had be closed. I feel that the rep closed the account unauthorized because i wanted to have her correct the problem and mentioned on the call that if we cant get this fixed that i am going to close the card and would never reopen it if i do decided to close it. Additionally i was refused a supervisor when i got a supervisor they could n't hep but did mention that i had been hung up on and that the reps should not have done that. i have let 3 days pass and still have had no manager call back regarding the unauthorized closing of the account and the issue of pulling the call and responding to my concerns.
on XXXX/XXXX/XXXX a claim was initiated for fraudulent and unauthorized transactions on my debit card. This claim has surpassed a 90 day time period since XXXX/XXXX/XXXX and claim is still not resolved. Information regarding the theft of not only my funds but possible identity, have not been provided by the merchant and bank of america has no further information to provide nor has contacted me regarding this claim to this point.
I have been a customer with Care Credit for approximately 10 years. From da y 1,  I had  XXXX  cards. I have never missed a payment on either card and used both cards regularly. I also have a stellar credit history with no negative information and am using about 10 % of my available credit. So much to my surprise on Friday  (   XXXX / XXXX / 17   ),  I get a letter that they closed my account with no notice because I had  XXXX  cards and that it had nothing to do with my credit. As stated earlier I 've had  XXXX  cards for 10 years and have asked them on numerous occasions to combine the lines into  XXXX  card. To make matters worse they closed the card with the higher limit and the lower interest rate. They say that the account disclosures say they can close my account because I have more than  XXXX  account. I say by not taking that action in a reasonable amount of time they waived their right to do so now. Secondly, t he manager I got  on the phone said that the reason they chose to close my account was because they no longer wanted to honor the interest rate, which I do not believe is a permissibly purpose which is why they are trying to hide behind the  XXXX  card clause. Th e manager did say that he would escalate my complaint to the corporate office and I should hear from them within 48 hours. In my opinion, this could have been handled much better and to the satisfaction of both parties but their dis regard for my consumer protections has caused me damages.
they have been calling me at least XXXX times a day. They were deliberately disguising their business name as " XXXX '', which is a wireless phone company, in order to try and dupe me into picking up. I only found out today cause I picked up thinking it was basic talk trying to sell me something, only to be told it was midland funding , LLC calling about my debt. This is extremely underhanded and I would like this company to know that if they keep calling me several times a day and continue to mask their name I will take them to court for harassment and underhanded tactics. thank you
A Certified letter was sent and received by the company on   XXXX   XXXX   The letter stated that I had complaints about the reporting of some items on my report. I also have a record of them calling before  XXXX . They never responded back to my letter on time and also failed to mark my report as disputed on time. They have violated the FDCPA and FCRA. Looks like up to {$3000.00} in violations.
Loan was transfered to Roundpoint Mortgage and like always I like to set up the automatic withdraw for the payments on a bi-weekly basis. What I understand is that every XXXX weeks the payment is taken out of my bank account automatically and applied to the loan, so the principal and interest is decreased on a bi-weekly basis and twice a year an extra payment is taken out too to be applied to the principal of the loan. In the case of Roundpoint Mortgage company, they did not apply the payment immediately to the balance and interest, they kept is in a special account called SUSPENSE account which did not effect the loan because it was not applied and my principal and interest like it was suppose to do or mean to do. That was not the deal to start this option.
Discover closed my account for no valid reason. I paid more than the minimum due to a XXXX balance. They closed my account but not before reducing my credit limit from XXXX to XXXX while I had a {$2500.00} balance in XXXX 2015
Navient parent loan is out of control with excessive interest charge, late fees, and lack advise/assistance from Navient in loan direction and to set plan to eliminate. Many times ( after each deferment ) I would receive many predatory calls and emails from independent help outfits to reduce or eliminate the loan payment. I did not feel comfortable with the feedback received from these independent help outfits and I found it uncanny that these sources were quede to call a couple days after deferment. Really need help in resolving issue and loan reduction.
XX/XX/17 went to Sun trust bank for a {$800.00} money transfer to the XXXX {$50.00} was the fee, 6 days the money was not delivered and refund was issue {$740.00} {$50.00} fee for sun trust , $  XXXX.more for XXXX XXXX XXXXXXXX , total XXXX for a mission not acomplish really.
We traded and leased a new car from XXXX XXXX in XXXX, Wi on XXXX XXXX, 2016. As with any vehicle purchase agreement, the dealership ran a variety of credit approvals and created numerous documents for this transaction to occur. We secured financing from XXXX XXXX XXXX XXXX XXXX XXXX for our new vehicle and took delivery of it XXXX XXXX. We were told that ( Ford ) would be contacting us shortly ( XXXX3 weeks ) with a payment book. No contact happened. Concerned by the lack of contact, we phoned Ford on XXXX XXXX and again XXXX XXXX and again on XXXX XXXX. Each time they searched their systems and could not find our name, car ( vin # ) or transaction. " We do n't have any record in our databases for your name or for the VIN number '' Explaining the situation we were told " be patient, perhaps there is a delay '' On XXXX XXXX we received a letter from Ford credit saying that we were behind in payments and owed two months and were being reported to credit bureau for late payment. We contacted the contact in the letter and immediately paid the past due via electronic fund transfer. On XXXX XXXX we received another notice saying we were being reported to credit agency. This was after the monthly payment. XXXX car payments in two weeks by electronic deposit. 
XXXX XXXX XXXX Company has completely failed internally to handle our sales transaction! Most importantly they have caused undue stress and damage to our credit rating by making false reports! Unacceptable! And when contacting XXXX again about this, their response is : " you can contact the credit bureau and request a change '' Complete XXXX!
was told on hold on XXXX/XXXX/XXXX. on XXXX XXXX XXXX saw my credit report I was 90 days late and owed XXXX dollars. called was told they would call back XXXX hours. wrote called 4 more times. sent payment. requested account be closed in XXXX and XXXX/XXXX/XXXX. they refuse transfer my call 3 times an hour later they claim they will call me back .will not close account, give me my balance or send me a statement. please HELP.
I am using  XXXX , an app used to grant me access to my paycheck in advance.  XXXX  needs to be able to communicate with my bank in order to make sure I am able to receive my funds.  XXXX  has reported my bank delaying their response which effects how I get paid.
Used XXXX XXXX and other financial/credit sites that utilized Equifax, found out my PHI was possibly compromised. Placed a temporary hold on my credit, concerned what will happen once the hold is over.
Ok what happened is i had my accounts with fedloan servicing someway somehow they lost my correct contact info to send me my letters about loans, every year ive made sure to do a forbearance and of all years 2018 income taxes be completely swiped and im still having hardships and may face an eviction if my rent not paid, lights cutt off etc etc all due to an clerical error in not updating my address so my entire XXXX income tax check was taken as in offset. This was not my fault at all but im facing the consequence. And ive made a complaint with another agency and they were abled to see the clerical error where my address from XXXX XXXX was switched to my new address then again to my old address and that should not have been. So when the nrs was trying to contact me they did not have the correct address on file I NEED MY INCOME TAXES BACK PLEASE I HAVE NO INCOME AT THE MOMENT.
I was advised by my book keeper on XXXX XXXX, 2016 that access and activity on our checking account was abruptly stopped. This was done without prior knowledge to me and without my consent. 
Efforts to restore service VIA telephone and directly at my bank were unsuccessful and refund of my money was denied. It is important to note that no indication, ( both written or verbally ) was even communicated to our office regarding imminent action nor do I find justification in doing so for ( what I later learned ) " my negligence in not confirming that I am the sole owner of my corporation '', A fact that they already know. 
This action by Citibank had triggered a domino effect of un-honored checks which we had issued, and has literally crippled our ability to conduct business, and which has consequently, created a negative credit reputation. 
I have worked very hard over the years to develop and maintain a positive financial image and must hold Citibank Corp. directly responsible for the consequences they have caused.
SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from XXXX . I had previously disputed this account. I have never done business withXXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt SW CREDIT SYSTEMS L.P purport I owe. I request that SW CREDIT SYSTEMS L.PProvide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SW CREDIT SYSTEMS L.P Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Twice, I have been convinced to sign up for a XXXX XXXX  credit card in store .. and twice, I have received my first bill after the due date for initial payment. 

The first time, I thought that maybe I had missed the first bill. This time, however, I was diligent in looking out for it. Sure enough, the bill arrived on XX/XX/XXXX -- with a {$29.00} in fees and interest on a {$100.00} bill. The statement closing date : XXXX XXXX. That would be fine, except there was no bill sent prior to XXXX XXXX. 

I have checked every piece of mail that has come into the house and received only a XXXX XXXX notice about the credit card and the card itself. However, no bill ever arrived. I also checked my email. The first time I ever heard from Synchrony Bank or XXXX XXXX about this bill was on XXXX XXXX. 

The remedy here isn't to waive the charges. I already did that. In fact, they do it so automatically that I assume this must be part of the process. If anyone complains, just waive the charges. I also paid the whole bill, and once again cancelled the card. My issue is with XXXX/Gap 's customer-unfriendly practices that essentially pressure people into getting a card in the store and then make it difficult for them to pay off the bill. Had this happened once, I might have written it off as my mistake. [ I'm never late in paying credit card bills and have an excellent credit score. ] However, it's now happened twice with XXXX XXXX/XXXX  XXXX. products. 

I'm a financially savvy person who knows to call the company ( Synchrony Bank ) and complain. What about the people who just get their first bill and then panic when they see the fees? It's not fair. Every other credit card company has to give people fair warning when bills are due. Maybe XXXX  XXXX will say they sent me my first bill and it must not have arrived. What are the odds of that happening twice? 

They deserve to be penalized for this persistent pattern and happy to give whatever evidence is needed to do so. Thanks.