WillisBack/dataset-financial-user-claim huggingface dataset:
I typically overpay my mortgage. I run XXXX months ahead of my payment. PHH Mprtgage has be two months ahead in XXXX 2015, then their accounting went crazy. My payment is {$1200.00} a month. They applied {$1800.00} to XXXX/XXXX/2015 payment. Then I started getting nasty letters from them saying I was overdue. I ended up paying {$5300.00} toward my XXXX/XXXX/2015 payment and {$3000.00} toward my XXXX/XXXX/2015 payment. Did a law change allowing lenders tyo change the terms of my fixed mortgage? They cant recalculate mt mortgage each time I overpay. They are essentially penalizing me for prepayment by keeping my maturity dadate fixed and making me due every month no matter how much I applied to my principal. I depend on having a cushion of a couple months for when I deploy. This is total XXXX. I have complained to you about XXXX doing the same thing. and they responded with a XXXX answer and continue to do the same thing. XXXX banking practices!!!
On XX/XX/2016, a fraudulent attempt to open a XXXX card in my name occured. It resulted in a hard pull. XXXX has sent a letter ( dated XX/XX/2016 ) to all XXXX credit bureaus to remove the hard pull. Equifax is the only remaining credit bureau to have not remove it ( numerous confirmation numbers with no result ).
MY CREDIT SCORE WAS XXXX ONE MONTH AGO - IT XXXX TODAY. I CHECK IT EVERY MONTH. NOW NOTHING HAS CHANGED. NO BALANCES HAVE WENT UP. NOTHING HAS BEEN LATE AND NO INQUIRIES. THIS NEEDS TO BE ACCOUNTED FOR ASAP.
I received a credit card pre-approval letter from capitalone and I applied for a credit card since my credit score from all 3 credit bureaus and pretty high and over 750.  Also my annual income is XXXX and have a Capitalone 360 acct with $ XXXX balance. To my dismay they rejected my application and sending me over to XXXX web site to improve my credit. Since I have good credit and good income and XXXX balance in savings acct at Capial one 360 for last 6 months I dont see any reason that they should reject my application.
This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately XXXX has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.
I am contacting you in desire need before i take legal action against a company that has placed a collection account on my credit. My concern like i advised the attorney i met with is that i have never received a notice from the company asking if the account was mine and if so work with me on some payment options .... be advised none of that has happened and the account is not mine, I have no knowledge of what is is for.     The attorney told me this is a violation of the FCRA and ha s sued Grant and Weber before actually a few months ago for this and similar violations.      I am requesting the following account be removed immediately if not a suit will be f ile in Federal Court.      Grant & Weber Account  Number   XXXX
I am a XXXX XXXX whose policy coveres 100 % of all EMERGENCY room services ( the accounts being disputed are emergency room services ) with {$0.00} Co-payment and no member obligation. I 'm not liable for these collection accounts. This medical debt was n't correctly billed to medicade at the time of service which is no fault of mine. I have on countless occasions provide all the information required to bill Medicade properly, to both the Hospital and Collection agency. They keep reporting the same Negitive information on my credit report after taking the billing payment information. 

Being that I am a XXXX XXXX with {$0.00} copayment I 'm not eligible for collection accounts from an out-of-state Hospital or emergency room because the hospital must settle the debt directly with Medicaid and the accounts to show payment in full according to the following federal regulations : When you provide services to a Medicaid member from another state, you must accept that states Medicaid allowance ( less any member responsibility such as copayments ) as payment in full. Please note that billing out-of-state Medicaid members for any amounts in excess of the Medicaid-allowed amount for Medicaid-covered services is specifically prohibited by federal regulations ( 42 CFR 447.15 ). -XXXX
XXXX, XXXX and Experian are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in forty-three years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the seven year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XX/XX/XXXX and the XXXX accounts were in the program which XXXX agreed to?!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAXXXX XXXX XXXX XXXX, 2015 Navient XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request to lower my monthly payment for Acct # XXXX RE : Graduated Repayment Plan Dear Navient : I am writing to appeal the decision of denial for graduated repayments. 
You send me option for graduated payment plans and deny the plan the same day from the correspondence that was sent to me! How can I possibly pay you {$1200.00} dollars per month, and I do n't even make that amount! 
I have asked several times to work with me! I am willing to start repaying my loan, but I can not realistically pay you back an amount that I do n't make!! 
Please send my letter to a higher management personnel. I am truly trying to work with you, but asking for unreasonable payments when I clearly do n't even make that amount a month is asking too much! 

This is a copy of my original letter!!!!!!!!!! 

I am writing to you because I need to reduce my monthly private student loan payment due to a financial hardship. I am requesting a payment that allows me to meet my other necessary living expenses. 
Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan. My total income at this time is only XXXX. I ca n't possibly afford a payment of {$1300.00} to Navient and pay my other living expenses to take care of my family. This payment is XXXX % of my total salary!!! I have enclosed copies of my check stubs to verify my income. 
Please help me lower my payments that I can afford and pay my mortgage and other bills.If you require additional authorization in order to reduce the amount of my monthly payment, please consider this letter a written request that you contact my employer or other authorized party to conduct a review of my account and provide a response within 15 days of receipt of this letter.If you do not grant this request for a reduced payment plan, I will be at risk of default. If I receive a reduced payment plan, I may be able to avoid default, which is in the best interest of all parties. 
If you determine that you are unwilling to provide a reduced payment plan, please provide the following information : Explanation and alternatives to helping repay private loans. 
In addition, if you are unable to provide any of the information or documentation I have requested or otherwise can not comply with this request, please provide an explanation. 
I hope we will be able to agree upon an acceptable repayment plan. 
Thank you for your cooperation. You may contact me at my available email or phone information. 
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX
ChexSystems report shows Certegy reporting a returned check, payee XXXX XXXX XXXX  written XX/XX/XXXX.  Check has been PAID IN FULL and should be removed from reporting.
My mortgage company United Wholesale Mortgage failed to pay city and county tax for XX/XX/XXXX. The city and county transferred that bill to a collection agency. 
By the time I received a bill from the collection agency, the penalty amount has reached {$1200.00}. The total amount including principal + penalty = {$4500.00} I paid for that bill. 

I contacted United Wholesale Mortgage on XX/XX/XXXX asking them to reimburse me the total amount. They said they paid me the principal already back XX/XX/XXXX and agreed to investigate about the penalty. 
I checked my bank records and do not show receiving that principal amount. 

At this point, they dropped the case and stopped responding to me.
We closed a Home Equity Loan with Wells Fargo in XX/XX/2016. The loan has a fixed rate and a fixed payment for each month. Since we began making payments on this loan, we 've been paying more than the minimum due, and have requested that the overage be applied to the principal balance on the loan. Every month, the payments are not applied as requested, and Wells has instead used the overage to reduce the following month 's payment, which is not what we 've requested. As a result, the principal balance is not paying down as we intend, and Wells is charging us more interest than they should since they 're not reducing our principal balance. I call Wells Fargo every month about this issue, and they continuously instruct me to call my payment in and let them know that we want the overage applied to principal, which is exactly what I do every month. In spite of this, Wells continues to mis-apply our payments and over charge the interest on the loan. I have escalated this issue to their " executive area '' and just received the response that they 've analyzed my account ( for the third time ) and believe that they have applied the payment correctly. They then instructed me to call my payment in each month and tell them that we want the overage applied to principal - which is still what I 've done every month! I asked Wells to look at my payment history, take all of the overages paid to date and apply those against the principal as I 've been requesting every month. I also asked to have the interest re-calculated based on the lower, and corrected, principal balance. They have refused and said that they applied the payments correctly. I 'm attaching two analyses that I 've requested, one in XXXX and one in XXXX, that show all of the payments along with numerous reversals and mis-applications. There 's even a paragraph in the cover letter that states that they 've applied the overage against the following payment, rather than to principal, which is completely against our instructions. This is extremely frustrating in that I spend hours on the phone each month to first make the payment and instruct them how to apply it, and then as follow up to try to get them to correct it which they do n't. If they handle all of their Home Equity loans in the same manner, they may be charging consumers millions in extra interest every month, despite their wishes. Almost every time I 've called Wells to complain and have the correction made, the individual on the line has said that these accounts are causing problems and that they 're trying to correct their systems to handle the payments correctly. I feel as though this program is a sham as Wells is not allowing me to pay down my principal, despite the fact that the loan agreement clearly states that I can do so without penalty, and they are also charging me a greater amount of interest than they should because the balance is not being paid down.
This charge was supposedly done on XX/XX/2018. However, I have had this issue way too many times with XXXX posting charges late, when I can no longer verify if they are legitimate charges or not. After dealing with this after receiving my XX/XX/18 bill, I ordered new cards from a new company and began using them XXXX XXXX. When the XX/XX/18 bill came, I called and verified that there were no pending transactions and that paying that bill in full would have it paid in full. Even though I was charged an {$87.00} " high risk transaction fee '' that was not supposed to be on my account. I closed my account on XX/XX/18 with the consumer advocacy department ( Ref : XXXX ). I have the confirmation of close email. The day after I closed it, it seems ANOTHER backdated transaction was put through with a transaction date of XX/XX/18 and posted on XX/XX/18 ) This is unacceptable. I no longer wish to do business with XXXX and will not deal with having backdated charges show up for the rest of the year. This needs to STOP. My account is closed, and no further transactions post to my account at all! I want to be DONE with this nightmare! I was told by the XXXX XXXX Department today ( XX/XX/18 ) that even though the account is closed, they will still post any backdated transactions - no matter how old - and bill me. They refused to even remove the backdated charge or the erroneous fee from last month. This is my second time writing with this complaint department about XXXX and their billing practices. I have disputed the charge formally, but doubt they will do anything about it.
I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately as well as balances and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously. Today XXXX/XXXX/2015 we have tried requesting verification procedures from the XXXX bureaus. Please help. We have attached supporting documents. 

ATTACHED TO THIS COMPLAINT IS 1. CERTIFIED RECEIPT EQUIFAX RECEIVED OUR LETTER 2. LETTER WE SENT EQUIFAX 3. SUPPORTING DOCUMENTS FROM THE CREDITOR AND COLLECTION AGENCY. 

Account # 's in questionXXXX XXXX The balance is completely inaccurate. See the high credit and current balance. This vehicle was liquidated at auction and there is not past due amount. Their address is also not listed on my credit report. Please remove for it 's FCRA violations. 

XXXX XXXX XXXXI do not have a financial obligation with this company ; please delete this reference on all credit reports. See attached documentThank you, XXXX XXXX
In late-  XXXX   I contacted  XXXX , Experian and  XXXX  with the following request. " Please remove the following derogatory report from my credit report :   XXXX   XXXX   XXXX   Date Reported -  XX/XX/XXXX  Payment Status - 120 Days Late Account Status - Derogatory Account Number -  XXXX  Account Type - Conventional real estate mortgage Original Loan Amount - {$260000.00} Date Account Opened -  XX/XX/XXXX  Date Account Closed -  XX/XX/XXXX  This property was sold via the HAFA program on a short sale. The short sale was approved by  XXXX  in writing on XX/XX/XXXX  and the transaction was completed on XX/XX/XXXX .
Since it has been over 3 years from the date of sale this should no longer be reported as derogatory. This was not a foreclosure, even though we were informed by   XXXX   on  XX/XX/XXXX  that they insist on using the foreclosure code even for short sales. Unlike other homowners who lived for years without paying their mortgage, we only missed 10 payments between XX/XX/XXXX  to  XX/XX/XXXX , prior to the short sale, after the market crashed in  XXXX . This derogatory reporting should no longer be reported as derogatory. '' I initially contacted   XXXX   XXXX   XXXX   who advised me that I needed to contact the credit reporting bureaus. It was interesting when I spoke with   XXXX   because they said that my account shows a foreclosure, not a short sale. I offered to provide evidence of the short sale, but they declined, stating that even a short sale is listed as a foreclosure.
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I was told by  XXXX  as well as licensed realtors that if I did a short sale it would be on my credit report as derogatory for three years. I feel I have either been lied to by both, or that   XXXX   XXXX   current practice is incorrect. I would really like to know rules or laws, if any, apply.
The Bureaus is a debt buyer/collector who purchased a XXXX account ; I settled this debt in XXXX XXXX with The Bureaus ( see attached settlement letter and proof of payment ) but The Bureaus continued reporting the account to the credit reporting agencies with a balance. I disputed the account per the FCRA both with the credit reporting agencies and The Bureaus directly and the account was removed. However, I now find that the account is, again, reporting to the XXXX credit reporting agency with a balance of {$410.00}. Since XXXX originally removed the account from my report, The Bureaus obviously re-reported the account in error. Per FTC Staff Opinion letter, dated XXXX/XXXX/XXXX, the reporting of a charged-off debt to a consumer reporting agency is a collection activity, therefore this erroneous reporting by The Bureaus is a violation of both the FCRA and the FDCPA as well as a violation of the FCBA.
Ive never been physically contacted by this collection company, I saw it via a fraud alert on my XXXX credit report ... this is a 3rd party company that is attempting to collect a invalid debt, prior creditor XXXX XXXX closed this account per my request in XXXX, the account was opened in XXXX without my consent nor acknowledgement via online ... I demanded in XXXX that XXXX close it ... and release my name from any accounts, they responded via phone call, I filled out fraud packet in XXXX and sent it to them ... completely invalid debt ... this company the " Bureau '' re-filed it in XXXX of XXXX ... with erroneous data ... and it has hurt my credit score and defamed my otherwise decent name ...
" Contract was cancelled '' " NO CONTRACT '' The original creditor is XXXX XXXX and they are the collection agency. They wrote off the debt on their taxes which wrote off my obligation to pay. The contract I had with them was cancelled ; I no longer have a contract with them. The results to have them remove this collection debt off all XXXX credit bureaus.
RE : Capital One Auto Loan From XX/XX/XXXX- XX/XX/XXXX.
This loan is paid in full. I have received my title to my XXXX XXXX XXXX.
Through the loan payment process 4 payments are marked LATE. These payments should not be marked late. This impacts my credit score and ability to borrow.
Three times I have contact Capital One Auto Finance regarding this situation. As previously stated to Capital One Auto. I moved 3 times through out a 2 year period ( From XX/XX/XXXX- though XX/XX/XXXX ). Change of addresses was from XXXX, XXXX to XXXX, XXXX to XXXX XXXX, XXXX. Missing mail statements. Also, payments bounced back repeatedly. This was an uncontrollable and unfortunate situation. I could not control the US Postal Service.
Capital One Auto Finance refuses to amend, adjust the multiple late payments that should not have been. Capital One Auto has been paid in full on this loan and also, on a previous auto loan. Capital One needs to give me a letter titles to me and the credit reporting agencies waiving and clearing the 4 late payments on my credit.
I was called by Cambridge Asset Management about a debt that is not mine over and over trying to get a credit card number or bank number. Someone hacked my computer and got my personal information. They keep calling threatening to take legal action if I do n't pay them money. I never had an account in the name they are saying XXXX. They have my SS number, birthdate etc. which I 'm sure came from the spyware issue on my computer. I would like them to stop harassing me, I know this is a scam and I saw other complaints about them and a F rating from the XXXX.
I have several accounts on my credit in which I have asked the creditors to " validate '' their information. Validate if I was ever late, details when, validate if a debt was mine- I just keep on getting same response : nothing. my rights under FCRA have been seriously violated. law says if a creditor can not validate/prove in 30 days of my dispute, they must remove. I am writing to you about American express, XXXX and XXXX. I will give account numbers upon request.
I called to XXXX XXXX XXXX on XX/XX/XXXX to pay my remaining balance on lease loan of XXXX and I attempted to pay through automated service but it was giving a error so I connected to live agent she asked for my account number I stated to her it should already be on file with them like my XXXX XXXX XXXX acct she apologized and said it wasn't I have her my acct number the second time she ask me to repeat it I have too many numbers. On XX/XX/XXXX I got an alert through XXXX that a change to my report I checked it chase had reported me 30 days late. So I called them and asked what happen I was speaking with a acct manager name XXXX he told me that the payment didn't go through do to bank error account not found he stated to me not to worry it happens all the time the account number was enter wrong and I asked how come I wasn't contacted by phone and he said they attempted they never updated my contacted number that I have given them 2 months prior and he said they had my contact number as unverified and called my old number instead. He apologize for them not updating my account properly and he said he updated it that day and put notes in the file wrong number was called. He also stated that he would be in touch within two days to complete the investigation on listening to the call the day I made that payment. He never did I had to call myself to get the information that they had completed that day a week later the agent I spoke to that day said she could not remove the late payment. I requested for the call with XXXX to be investigated and this was a common mistake it was a partial payment and I had never been late period and it was a bank error. They were unsympathetic to me as a customer. And very dismissive
Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Original Balance : {$11000.00} Balance Updated:XX/XX/XXXX Debt was result of Identity thelf
Citibank had an offer where if you opened a checking account and completed certain transactions, they were offering XXXX XXXX XXXX miles. I opened the account using the promotional code, and completed all of the terms back in XXXX, but they did not give me the miles. I have now contacted citibank 8 times regarding this issue. They have confirmed, multiple times, that my account had the promotion in it at opening, and that I met the terms of the offer, and that I was entitiled to the miles. They have given me a case number ( XXXX ), and have told me every time I call in that it would be resolved in two business days. Its been MONTHS and they still do not resolve the issue and give me the miles I earned. This is bait and switch, and they need to be held accountable. I ca n't close the account because the terms say you have to keep the account open to receive the miles, but they are charging me {$30.00} a month to keep the account open. This is not fair! I did everything the offer specified to earn the miles, and the bank has admitted over and over that I earned them and they owed me them, but they have not given them.