WillisBack/dataset-financial-user-claim huggingface dataset:
The following XXXX XXXX account on my credit report are showing 120 days late payment which XXXX XXXX XXXX XXXX XXXX XXXX   department honored to remove the 120 day late payment from my credit report. Please see letter enclosed from XXXX XXXX XXXX and please  update my account and remove the only 120 day late payment that was listed in XX/XX/2017on my credit report. 

The letter enclosed includes the following XXXX XXXX account numbers : XXXX XXXX XXXX XXXX I have also faxed your company the letter enclosed and filed a dispute with your company requesting the information the be update and never heard anything or received a responce
The alleged debts in question are more than 7 years old but are still being reported to the three major credit bureaus by Portfolio Recovery Associates, LLC and are still attempting to collect the alleged debt.
As Florida was declared a disaster area after hurricane Irma hit in XX/XX/XXXX, we applied for a three month forbearance on our mortgage loan with US Bank in. During this time my family and I were able to repair the house from damage not covered by insurance ( we did not open an insurance claim or asked for assistance of any kind ). My wife and I run a XXXX XXXX. We were able to get back on track to pay the mortgage in XX/XX/XXXX. We struggled after a sluggish summer in our small business and the forbearance seemed like a good idea. The bank assigned a relationship manager, which we have been in contact with. However, what I am concerned about is that we have been trying to get those 3 payments we missed to be put in the back of the loan it is becoming a mission impossible because they are treating this as a refinance or modification with stacks of papers to be submitted and financial information which is not good at this time. We have paid XX/XX/XXXX and XX/XX/XXXXpayments plus {$1000.00}, but the funds are being applied to the XX/XX/XXXX- XX/XX/XXXX in suspense account. Why is this so complicated? The time keeps ticking and soon we will be getting late fees and bad credit reporting ... how is this helping? We want to continue paying and just add the amount of the 3 months to the end of the loan. Why so much paperwork and stuff?
Today I received a prescreened offer from Capital One for a credit card. ( Reservation # XXXX Access Code XXXX ). This offer was very confusing to me as I am 1 ) XXXX ) 2 ) low income 3 ) have a low credit score and am not eligible for credit cards. I contacted the opt out phone number given by Capital and could not complete the process because the automated system inappropriately asked for my social security number and date of birth. This complaint is to have you stop Capital or any other bank from making offers to people who are clearly not eligible and to stop the credit card opt out company from asking for inappropriate information.
I was offered a loan modification after a brief period of employment ( 6 months ). The only problem is that Chase did not credit all my payments from before I notified them I was unemployed ( which was 60 days before I was late on any payments ) nor did they credit my payments made during the loan modification process. This means my new loan beginning " loan amount '' was too high. I tried to clear it up with the Executive Office Customer Service Rep but " XXXX XXXX '' was not able to explain the math computation. We went over it for a few months and she had to go back to me for clarification but never was able to. 

I then was provided XXXX XXXX, Customer Assistance Specialist and he agreed to send me documentation and then set up an appointment with an Underwriter who will explain the math. 

I was bullied and threatened into signing a loan modification that Chase fully knew was inaccurate. Chase 1 ) over charged me for a new loan by starting the loan balance too high 2 ) charged me two years of taxes, putting those costs into a 2nd subordinate loan when I was only out of work for 6 months and had paid my taxes via my escrow account and had enough funding in my impound account to cover my taxes. This meeting with the Underwriter never happened. Every time I contact Chase, 1 ) I can not reach assigned rep XXXX XXXX 2 ) he may call me once and I miss his call and he never calls back until I call again for months. 

I would like Chase to Gove over the loan modification math computation showing they have credited all my payments, I would like an accounting for my tax impound account, I would like my account corrected and the loan modification docs the forced me to sign under duress of the threat of foreclosure be cancelled and reissued correctly in a timely manner.
I 'm filing a complaint because the {$75.00} annual fee I paid for with my credit card includes a XXXX night free bonus when using the card. After collecting the annual fee, US Bank has decided to remove the benefit that I had already paid for.
In XXXX we refinanced the house located at XXXX, Ca XXXX. My Name is XXXX. The loan was for {$320000.00}. It was with XXXX ( which is now Wells Fargo Bank ). There was another loan on the property for {$170000.00} by Wells Fargo Bank. 
This {$170000.00} first was never paid off in escrow. Thus since XXXX, we have had two loans on this property. The total of these two loans was {$490000.00}. Our house was never worth {$490000.00}. Thus since the time we refinanced our property, it has been 100 % upside down. 
We have spoken with Wells Fargo to correct this problem, however, have not received a satisfactory conclusion. The {$320000.00} loan number is XXXX. 
Now there is a sale date of XX/XX/XXXX on this house. We have been working with numerous people at Wells Fargo. They stated that the sale date has been suspended, however different websites state that the house is still scheduled for auction on XX/XX/XXXX. We have been providing information necessary to keep the house. My immediate request is to remove the XX/XX/XXXX, sale date. My goal is to keep the house. We are in need of a work out program that will allow me to stay in the house. The {$320000.00} loan has been in 2nd position, due to the fact that the {$170000.00} loan was never paid off. This has caused reputable harm on my credit as well as financial hardships. 
I have received payoff information on both loans. Thus, remove/forgive the {$320000.00} second position loan, leave the lower amount loan, first position, of {$170000.00} which is not being foreclosed on. In a letter dated XX/XX/XXXX, Wachovia admitted the loan of {$320000.00}, was in 2nd position. Remove the sale date of XX/XX/XXXX.
I paid off the loan on a new vehicle 12 months in advance. Ally Financial took one additional payment of {$530.00} out of my direct payment account and has NOT returned it to me in 30 days. I contacted customer service reps. at Ally seven times. I recorded four conversations ( I informed them that I was recording the conversation every time. ) I contacted Ally three additional times by " chat '', and I printed those communications as well. 

I was initially told by Ally that I would receive the refund of my money the week of XX/XX/XXXX. I was told the refund was mailed to me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the money Ally took out of my account. 

The vehicle was paid in full on XX/XX/XXXX ... 12 months ahead of when the final payment was due. I have recordings and documented copies of the misleading information I have been given for the last three weeks. 

Why are they allowed to get away with this? Why couldn't they return my money electronically to the same account they took it out of? Why are seven different people confused and not sure of " exactly '' what is happening? 

Another complaint about the TITLE for the vehicle. I actually paid off, in full, two loans years ahead of time. I asked the question ; " ... when will I receive the titles for the two vehicles? '' I was told by three reps. that the titles would be send to the DMV. I asked " ... what DMV? '' No one could answer that question. However, as it turned out, one title WAS sent to the DMV in XXXX, IA. and second title was sent directly to ME! 

How about that? Who really knows what they are doing at Ally? Why would Ally release two vehicle tiles worth {$50000.00} and NOT return a payment amount of only {$530.00} ... what is worth more? It makes no sense that they would delay returning a small amount of money, but have NO problem releasing titles worth many thousands of dollars? The fact is, they DO NOT want to release MONEY. They hold on to the money as long as they want to, without reason or justifiable cause to do so.

This needs to be examined and corrected. Note : Ally should be regulated to " refund '' customer 's money within two weeks or less. They should be forced to " direct deposit '' refunds if they have been paid by " direct payments '', all of my payments were made on time with direct payment terms. Ally should be punished for making " false '' statements and unprofessional conduct and concern for outstanding customers like me.
On my XXXX County XXXX record report there is incorrect information on there that does not belong to me and its rendering me from getting employment.
My mortgage servicing provider ( XXXX ) transferred my mortgage to another service provider ( Suntrust ). This is a standard procedure and I went through the process several times before. However, this time I was not informed about the transfer from either company! Because XXXX had a wrong address on file I did not receive their notifications. Additionally, since the new service provider ( Suntrust ) relies on the address from the previous service provider, I did not receive any communication from them either. 

I found out about the transfer a few months later via a coincidence. I checked my credit report and noticed that my credit score dropped. Apparently I had a mortgage with Suntrust that was more than 30 days late. I was confused as I had been making timely payments to my my mortgage provider. 

I called XXXX and they informed me that they are not my service provider anymore and they referred me to Suntrust. Both providers admitted that they had the wrong mailing address and that the mail they sent to me had been returned to them. I do n't understand why Suntrust did not try to call me and why they reported the late payments to the credit bureaus when they obviously had the wrong address!? 

I immediately settled my balance with Suntrust as they were very adamant about the outstanding balance. At the same time I am still waiting for XXXX to reimburse me for three months of mortgage payments I sent to them. To add XXXX more twist to the story : my account will transfer to yet another service provider ( XXXX XXXX XXXX, I think ) in less than 14 days. 

Since I did not receive any information or notifications about this transfer either, I can only assume that Suntrust continues to use a wrong address. This is very frustrating!
I took out a {$5000.00} loan from my 401K because I had a family emergency, I deposited the check Friday XXXX/XXXX/2015 into my Wells Fargo Checking account. On Monday XXXX XXXX XXXX noticed online there was a notice stating my deposit was on hold and will not be available until Tuesday XXXX XXXX, 11days after the deposit date. I called the bank after I read the notice and I asked them to please help me cause I could n't wait that long because of the emergency that I had which was the main reason why I took the loan in the first place. They told me there was nothing they could do and that I had to wait. Since I could not wait that long, I asked to return my check so I can cashed it at XXXX XXXX XXXX XXXX. They said they could n't do that neither and that I had to wait. My dog die because I could n't afford for the emergency surgery and the medication that he needed.
My dispute involves two companies the first being Conn 's XXXX XXXX in XXXX, New Mexico. I put my account with them on Auto pay. I received a phone call stating that my account was delinquent. I sent them a copy of the paperwork from the bank showing the payments were being made. I spoke with a supervisor from Conn 's who advised me they had lost the money for my account. They call me 6 or 9 times a day from different phone numbers. I 'm still paying on this account and I am being charged a late fee and they continue to call me even though once a month I have my bank send them money. XXXX code XXXX
From my understanding that XXXX will not give extension until they get the approval from XXXX. The first had approval for XXXX was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor XXXX. 

This is disappointing. It starting to feel like a tug of war, if we do not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 
At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and XXXX member is serving his country XXXX and I have to tell him this disappointing news.
I 've paid XXXX so far on a pay day loan, I requested XXXX XXXX/XXXX/16. I never received how much my interest rates would be and when I notice today that I was still making payments I did my research. My interest rate is 867.4001 % and to date I 've paid XXXX. I would have NEVER agreed to a loan with that outrages amount as interest rate. When I called I stated that i will be contacting a lawyer because that is illegal they stated I did not have to make anymore payments. What can i do to get my money back?
After failing to resolve the issue by an online dispute, I tried to call Equifax to correct inaccuracies in my credit report. The first XXXX CRs I spoke to could barely speak XXXX and kept repeating the same line " upon checking ... '' without addressing my questions. Between them, I was also put on hold for long long times. Finally, I got connected to a supervisor named XXXX XXXX. She, throughout the conversation, refused to answer my questions in a straightforward way. Worse, she refused to answer my questions by misinterpreting them. She spoke like a politician, using languages like " can not answer a hypothetical question '', etc. I was so fed up that I asked for her identification. She got upset and hang up the call without my consent.
A Visa card owned by Elan Financial Services has been reporting that my autopayments have been " returned '' and fees have been added to my bill. This has been going on since the XXXX 2016 statements. I have attempted to pay the bill by other means but those payments as well have been " returned '' and further fees attached. I have checked with my bank and the bank reports that they have not rejected any requested payments. I have written to the companies asking for the fees to be reversed and for them to accept the payments and I await a reply.
My credit card was used to make a purchase at Macy 's store number # XXXX. The initial attempt of $ XXXX was declined. The XXXX attempt of {$80.00} was approved. My bank alerted me of this and canceled my card. My fiance 's debit card was also compromised and she 's handling this with her bank. The only location we used our cards in the same place was in the XXXX XXXX in XXXX, GA.
I contacted my credit card company on XX/XX/XXXX about a purchase I made on XX/XX/XXXX. I purchased three products from a kiosk, owned by XXXX XXXX, at a shopping mall in XXXX, TN. The products were demonstrated by applying them to my face and after the sales person reduced the price three times I finally purchased the products for {$380.00}, good for today only. After the purchase the sales rep said she would email me the instructions on how to use their product. When I returned home the next day I opened my products and read the instructions the sales rep. XXXX had emailed me. The first this I noticed was the instructions on the product box were different from the instructions from the sales rep. Her instructions said to use " once a week '' the box said " Daily application ''. There are other discrepancies like the sales rep saying the product contained collagen, but its not listed in the ingredients. I decided to go ahead an try the product I had because it had worked well at removing the bags under my eyes. The sales rep told me to apply before bedtime which I did. As soon as I applied the product I could tell it was not like the product she had applied to my eyes at the mall. I left the product on my eyes overnight and when I got up the next morning the skin around my eyes was irritated, red and wrinkled. This product is horrible and it was obvious the product was very different than what the sales rep said she was selling me. When I looked at the sales receipt I noticed on the bottom it stated " No Refund. Exchange only within 14 days with unopened product '' I contacted my credit card company explaining what had happened along with all the documentation and after several weeks I received a letter stating they would not issue a refund because I made an in person purchase. This made no sense because you can still be scammed in person. I contacted XXXX XXXX and was told they have high quality products, they won't give a refund. 
I feel the credit card company, Barclay, made no effort to resolve my issue even though this company pulled a bait and switch.
On XX/XX/2019 I attempted to purchase hockey tickets from a XXXX ad and was told to send the money through XXXX. I didn't have a XXXX account but it was backed by all the big banks including my bank PNC so I figured it was secure. I sent the payment for {$400.00} through the PNC app. He immediately said that there was a 1-3 day hold since he didnt initiate the request and that he would cancel that and send me a new request. I asked for proof that he cancelled it and he said it wouldnt show right away. I knew at this point that I had been scammed and immediately reached out to my bank, about 30 minutes after sending the payment. I was told the payment was gone and there was nothing they could do. They said to contact XXXX which I attempted to do but everything is automated and I wasnt able to reach an actual person. The money was sent to a bank account so XXXX has to know who received the money. I'm hoping you all can help.
Called and left messages with other staff at the office, when the office manager called them to discuss this as not being legal, they were abusive on the phone and hung up.
In Nationstar 's response to my complaints to the CFPB, they cited repayment plans offered to us on XXXX, and XXXX. The XXXX 2014 plan split the one month that we were behind into XXXX payments of {$1100.00} to be added to our regular mortgage payment of {$2300.00} for a total of {$3500.00} for two months. The XXXX 2014 plan was to split the one month behind into XXXX payments of {$760.00} to be added to our regular payment which would have resulted in XXXX payments of {$3100.00}. In my first complaint to the CFPB, case number XXXX, I stated that " The only plans Nationstar offered were plans that we could not afford. However, in their response to me and the CFPB, Nationstar invoked said unaffordable plans in an attempt to defend their stance that they had offered assistance to us, when in reality they offered nothing. At the end of the aforementioned response that Nationstar sent, a telephone number was included for " XXXX XXXX '' from the " XXXX ''. ( XXXX ) My husband attempted to call this " person '', from Nationstar 's home office in " Texas '', and was re-directed to the XXXX. This is always the case with Nationstar. Whenever we attempt to contact them we are connected to the XXXX, and more often than not -- we are forced to speak with people who are -- for the most part -- unintelligeble to due their thick accents. When asked this morning to be connected to " XXXX XXXX '', we were told that no such person nor extension existed -- however we could be helped by the agent who answered the phone. When we asked the agent what office he was speaking to us from, he stated that it was an " offshore location ''. We asked which offshore country? He evaded our question for as long as he could before he finally admitted he was speaking to us from the XXXX. Again -- MUCH, MUCH MORE OFTEN THAN NOT, THIS IS THE CASE. We like thousands of others across the XXXX -- based on what we have read in the newspapers and on the internet -- think that the Texas address for Nationstar is a shill for the real headquarters, which we believe is in the XXXX. If this is the case -- ours, as well as thousands of other American mortgages -- are in the hands of a foreign country. Perhaps this is the reason Nationstar is unwilling to assist its American customers. To deny us assistance in making our mortage payments more affordable, it serves -- in the long run -- to further weaken the American economy.
I am writing to dispute an investigation error by American Express in the amount of {$8000.00} on my account. The seller, XXXX XXXX XXXX XXXX XXXX XXXX, charged me for XXXX item and delivered WRONG/DAMAGED item. When my order was delivered to my XXXX, New Jersey home on XXXX XXXX, 2015, XXXX was immediately advised XXXX that the wrong dining room table had been delivered, and that it was damaged as well, appearing to be second-hand. Indeed the delivery receipt indicates that the wrong - and damaged - table was delivered. This is a classic example of bait and switch. 
Despite repeated efforts to resolve this matter, XXXX have not replaced the wrongly delivered dining room table with the XXXX ordered. 
I have made a good faith effort to resolve the dispute with the seller, XXXX. I have diligently worked with American Express Customer Service Department by providing all requested documentation to support my position. However, American Express customer service representatives have managed to mishandle situation 4 times by simply closing the disputes ( Dispute Reference Numbers : XXXX, XXXX, XXXX, XXXX ) based on merchants provided cancellation and return policy. American Express customer service department have ignored valid support documentation confirming that I received a WRONG/DAMAGED item and written notice from XXXX XXXX, the owner of the XXXX, that XXXX made a mistake. 
The merchant 's cancellation and return policy MUST NOT apply to the wrong - and damaged - table that was delivered.
I 'm in compete disbelief at the lack of credibility that this bureaus holds. I have submitted a multitude of disputes with evidence " validating '' my finds and indicating Equifax 's discrepancies. Without a shadow of a doubt you have confirmed your lack of wherewithal and utter failure at upholding the FCRA standards of practice 611 ( a ) ( 5 ) ( A ) ( i ). To state your investigation practices are blatantly incompetent is an understatement. I submitted a dispute roughly around XX/XX/XXXX. I am just now being notified of the results. The results are a complete contradiction of not only another investigation Equifax conducted but of the actual " debt collector '' falsely claiming I owe them. On XX/XX/XXXX XXXX XXXX informed me they have NO record of my debt and will be notifying you. So what investigation did you conduct? Who did you contact? What verification code did you issue, to verify your findings? At this point, it is very clear your response will be false on a number of plateaus. Please be advised, under the 15 U.S. Code 1681i, all unverified accounts must be deleted. Therefore, if you are unable to provide me a copy of validated proof that you have on file for EACH account listed on my report. You must REMOVE these accounts immediately. Upon doing, so I am requesting an updated report demonstrating the necessary corrections.