WillisBack/dataset-financial-user-claim huggingface dataset:
I had an XXXX XXXX XXXX Credit Card. I receive paperless notification from XXXX. On XX/XX/XXXX XXXX sent me an electronic letter stating " Your new account has additional information that needs to be verified in order to maintain your account. '' Granite this notification came 8 months after I had opened my account. I received an additional notification on XX/XX/XXXX, will attach letters for reference. On XX/XX/XXXX I received my XXXX Credit Report stating that my XXXX XXXX account was closed. I didn't check my XXXX Account until XX/XX/XXXX and saw the letters. I then proceeded to call XXXX XXXX and inquire why they closed my XXXX XXXX XXXX XXXX Account. They said because I did not respond and verify my address. I have never had to do this with any credit card before. My home address had not changed since I opened my XXXX 's account on XX/XX/XXXX. I know this for a fact because I signed papers on my townhouse XX/XX/XXXX and moved in XX/XX/XXXX. On that Monday XX/XX/XXXX I went to XXXX to find bathroom essential for my new 3 bathrooms. To save money I opened up a XXXX XXXX XXXX XXXX Credit Card. Also, I had a wedding registry at XXXX 's with my townhouse address linked to my registry. Several packages had been shipped to my townhouse. For these reasons, I believe that XXXX 's is well aware of my current address and should not of closed my XXXX credit card. XXXX is aware that they have lost a customer for life due to this. 

By XXXX 's closing my credit card, my credit score decreased. I would like the closed account to be removed from my credit score.
My credit report shows multiple " hard inquiries '' on multiple dates. The company name that shows is XXXX XXXX and the dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I can not find information on the company called XXXX XXXX. I have attempted to open disputes with the credit reporting agencies. XXXX online service is not operational and they tell me it is a technical problem so I called in to get a status on the dispute. The agent told me that I need to contact the company directly to have it removed and gave me a different company name of American Financial. 

I have called American Financial - I have no idea who they are - and they are not helpful. 

I would never, nor would anyone authorize a company to perform hard pulls on your credit 5 times in a row. I don't even know what this is, but multiple pulls have not been authorized by me. 

So now, XXXX is telling me that even though I have informed them that this information is incorrect and I did not authorize this that I have to somehow go figure it out and get it fixed or removed. This is complete XXXX XXXX. This is why we all know that credit scores and the agencies are nothing more than a way to attempt to substantiate taking advantage of consumers and charge them higher interest rates. 

XXXX sucks and everyone knows it. Complete garbage that they are allowed to report inaccurate data and even when informed do nothing about it.
I had sent a payment approximately XX/XX/XXXX for my auto loan that was due XX/XX/XXXX. For weeks I watched the account and my bank and had not seen the payment applied. When I reached out to the bank there was no record of my check received and no further information available. When I told the operator the issue they told me something was probably wrong with the post office. 
On the due date XX/XX/XXXX I called and checked online at both institutions and there was no indication and no information available that they received payment. I scrambled and used their high cost XXXX XXXX   powered module on the Lending Club website as a last resort to avoid late payments. 
On XX/XX/XXXX I come to find the check was deducted from my account as if it were presented on the due date in addition to the funds made payable through XXXX XXXX. I feel this practice is done purposely to inhibit prepayment and to keep the clock ticking on the interest until the last possible day. I feel this is an infringment on my right to prepayment without penalty and is a deliberate action of the institution. 
The bank is Lending Club. Their address is XXXX XXXX XXXX XXXX Texas and my account # is XXXX
I am still waiting on a response from Case number : XXXX in XXXX 2016. Santander uses the excuse that the loan was modified. However, Santander has failed to provide any updated documentation that the loan was modified and due date extended. Nor has the loan maturity date on my monthly statements updated to reflect what Santander is " communicating ''.
On XX/XX/XXXX I was contacted by phone by the Frost Arnett company. They stated that I owed money in the amount of {$750.00} to XXXX XXXX XXXX in XXXX FL, for services rendered on XX/XX/XXXX. The woman speaking barely gave me any time to speak! It was difficult to just get a little information from her about this so called debt. She wanted me to send a check in the above amount to their company, so they could forward it. I refused, and hung up. I then called the physician group that rendered the service, after calling my insurance company. I found out that, not only did I not owe any money, but my doctor had been paid the allowed amount from XXXX, which is my insurance company. This payment was paid on XX/XX/XXXX!!!! 
I can only assume that having a bill collector contact me, will alter my credit score! This is very disturbing to me! 
I did call Frost Arnett, and informed them that I would be reporting their company for poor, or even illegal business practices.
I had a Credit Card with XXXX XXXX Barclay 's Bank that was subject to unauthorized transacxtions because of identity fraud. The Company is still reporting to XXXX a balance including the unauthorized charges effecting my credit standing.
I was duped into an interest-only payment plan, I was switched to a long term graduated repayment plan for 25 years. Now am paying nearly 100 % interest and making zero progress on principal. I was never notified how much interest I would be paying ( an exorbitant amount compared to principal ). I have not been paying these since XX/XX/2016 and have paid over {$26000.00} without anything being applied to principal ( {$65000.00} ).
I was forced into a payment arrangement wit pressler & pressler. Upon moving out of state they stopped sending my receipts of payment or a balance of my bill. When I called them they told me they could n't call or mail me my statements anymore and " by the way you missed XXXX payments 4yrs ago ''. I asked for copies of my statement with my balance from that point forward but was denied. I felt I was not being treated legally and wanted my statement before I mad another payment. They told me they would ask and mail me a response. I never got one. They are now trying garnish my wages for 9xs what I was paying before. They once again said they would ask for permission to send me my statement but in the mean time they would only reduce my payment to 5xs what i was paying before. I 'm 17hrs away and cant get to court to defend myself. What do I do?
I received my mortgage statement, due for XX/XX/2018. On that statement, Seterus, the servicer failed to account for receiving my mortgage payment on time, on XX/XX/2018. I have proof of payment from my bank, showing the electronic transfer being received by Seterus ( attached ). 
Instead however, Seterus dated my XXXX mortgage statement on XX/XX/2018, five ( 5 ) days before the date the payment is considered late and assessed a late fee. 

Again, XXXX received my mortgage payment on time and I have proof. Nonetheless, they assessed a late fee -- this is in violation of the Note and Deed of Trust, which states the payment is not late until the XXXX of each month. 

This must be a newest/lateest tactic to assess late fees .. telling the borrower he/she is late even before the late fee can legally be assessed. 

Moreover, my XXXX mortgage statement was not received in the mail until XX/XX/2018. It does not take 10 days for the mail, so the fact that the statement is dated XX/XX/2018 means they held on to it before placing it in the mail. 

This company should not be servicing loans. 
A few months ago I was forced to file a complaint because for over 1 year Seterus refused to send me my statements in the mail. 
And, now that they have finally started sending me my mortgage statement in the mail they are assessing late fees prior to the date they are legally entitled to do so.
XXXX XXXX, 2015I previously completed a complaint against Ocwen Mortgage Company. Complaint # XXXX. However, since the complaint process was completed by your organization Litton continues to send me documents concerning Foreclosures. Ocwen is very deceptive they send you a certain report concerning the complaint ; and on the other hand they forward me different documents that they do not share with you. In fact Ocwen did forward me a document stating that the total outstanding amount of my mortgage is {$750000.00} After your agency initiated the process of investigation I received a statement from Ocwen stating that the total outstanding amount was {$390.00}, XXXX. In contrast the latest statement that I received from Ocwen states that my total outstanding mortgage amount is {$300.00}, XXXX. On Friday, XXXX XXXX, 2015, I received papers from XXXX concerning a foreclosure. All these documents that I receive from Ocwen only serve to confuse and upset me. Specially when you consider the fact that I never requested to do business with them. My mortgage loan was transferred to them from XXXX XXXX. I need some assistance and support in dealings with this very " fraudulent '' organization. I do not want them to foreclose my home. Ocwen needs to feel the full effect of the law and discontinue their deceptive practices. Ocwen was already taken to court by Florida 's Attorney General XXXX XXXX and found culpable and not adhering to lawful practices in the mortgage servicing. Kindly, assist me. I do not want to continue being emotionally harassed by Ocwen. As I said before, Ocwen continues to deceive customers, to use fraudulent mortgage practices and get away with it. 

I would very much appreciate your assistance. 

XXXX, Fl XXXXMobile Number : 305-762-XXXXOcwen Mortgage Account # XXXX
During the Dismissal of our Bankruptcy, our Mortgage was with XXXX. They moved our loan to Sertiviced Loan Servicing.  This is when our trouble started. The company fails, over and over to answer our questions. If they write us, is just with a letter that is not applicable to our concerns. Our mortgage payments have been made on time. They have made arrangements that we are paying for without our approval. The amount owed, seems to go up instead of down. They claimed our escrow account was behind over {$3000.00}. Our escrow comes from the monthly payments. We have a 4.5 % account. We pay {$1100.00} and then when we had the problems with the escrow, they reduced the payments to {$1000.00} Does that make sense? On XX/XX/2018 the outstanding principal was {$180000.00} Now the amount owed to be able to refinance with a better, reputable company is {$200000.00} plus. No explanation given. Why a company that seems to do everything illegal to scam the consumers has not been fined, made to do something with the outstanding accounts, etc. They get away with anything, but nobody stands to help us consumers who are seniors, living on retirement as well as our young generation that keeps fighting with no solution, just like we are talking to the Wall.
A few months ago, I noticed that Enhance Recovery had added a XXXX debt to my credit report. I called them and told them it was not mine, aftera few days they removed it. They told me it was a mistake. I then called XXXX and told them that I never had their service they then told me that I needed to file a Police Report. I told them that I was very busy working that I would not have time to file a police report but if I did I would. This morning, the same item showed up again on my credit report. They did not send me any notices it just showed up again. At this point I do not know what to do with them.
In XXXX, I turned in all my equipment to XXXX XXXX and paid all balances due ; I was not late nor did I owe and past due billings. I even ask the CSR if there would be any further billing. Two months later I received a {$60.00} bill, I immediately disputed the bill. Six months later it showed up on my credit report. I disputed the bill and it was removed in a timely manner. 
IN XXXX XXXX XXXX turned the bill over to Enhanced Recovery Company of XXXX, FL. I disputed the billing immediately. Instead of investigating or contacting me, they files a collection on my credit bureau reports and that decreased my score substantially. 
I have sent ERC a letter to have the item removed and I have had no success. I need your help with this matter as this is unfair and incorrect and should be removed and finalized and I should not have to deal with this every few years over and over.
I am in the process of filing for debt relief and was advised that I had to reach out to the company and request a stop payment. I was advised that I had to follow the procedures listed in the contact in order to request said stop payment. Upon reviewing my contract, it only states the following and gives no address or specific address to do the cancellation. 

AUTHORIZATION FOR ACH ELECTRONIC FUNDS TRANSFER PAYMENTS : I hereby authorize any third party processor, on behalf of Mypaydayloan.com, to initiate ACH debit/credit entries to my bank account for all payments due under this Agreement, including any returned unpaid item fees due, as well as all payments due under any future renewal Agreements. I further authorize the Financial Institution at which my bank account is held to debit/credit the same to such bank account. This authority is to remain in full force and effect until any third party processor, on behalf of Mypaydayloan.com, and the subject Financial Institution have received written notification from me of its termination in such time and in such a manner as to afford the third party processor on behalf of Mypaydayloan.com, and the Financial Institution, a reasonable opportunity to act on it. I understand that I may cancel this authorization by providing written notice to the third party processor on behalf of Mypaydayloan.com at least three ( 3 ) business days prior to the payment due date. I further understand that canceling my authorization does not relieve me of the responsibility of paying all amounts due in full. Customer understands that payments through the ACH system are not a condition for credit, and Customer may make payments by mail, or other approved methods upon written notice. Customer also acknowledges reading the Electronic Signatures In Global and National Commerce Act Notice ( below ), and consents to use documents in a digital form. In addition, any contracts and payment authorizations will be considered binding in a digital format.
As of a result of a XX/XX/XXXX settlement between 31 state attorneys general and XXXX, Equifax, and XXXX, who together created the National Consumer Assistance Plan. The plan which went into effect in the second half of XX/XX/XXXX was designed to limit credit reporting errors that negatively impact scores. The settlements prompted the credit-reporting companies to take away some non-loan associated gadgets that have been despatched to collections companies. The companies additionally agreed to take away medical-debt collections which were paid by a affected persons insurance coverage. 

I have requested for both Equifax and XXXX to enforce this settlement, as it relates to my reporting of Non-Loan, ( specifically XXXX XXXX ) and the one medical dept listed ( XXXX XXXX ), as it  was paid by my insurance at the time, however they decided to Balance Bill the difference, which is illegal. - I am again requesting both Equifax and XXXX  enforce this settlement and remove these 2 items.
XXXX XXXX, Wells Fargo reported our account with XXXX 's XXXX to be 2 mos. late. Contact with the bank revealed they had sent initial 2 bills to another town. We'd not seen a bill. They acknowledged their mistake. THEY REFUSED TO CORRECT THE DING ON our credit scores until we paid up. Feels like extortion. All current bills were paid last Tuesday the 2nd.so the arrears is moot. 

I want them to indicate having made a mistake and clear my name Wells Fargo even sent me both undeliverable pieces of mail bearing the address in the other town which should have been enough to generate a fair prompt reversal of the negatives
We continually receive recorded phone calls from XXXX XXXX XXXX XXXX at our home phone, about every other day. We do not want to return the call because it sounds like a scam.
In or about XX/XX/2017 we went to XXXX outlet store to purchase a mover. We put money down and financed the balance with " Why not Lease it '' two weeks later we returned the item because it was not working properly. The sales person was preoccupied with another store worker and he took the item back and said he will contact the financing company to cancel lease. A week later the store closed permanently. We assumed it was all straighten out. Now the leasing company sold my account to Security Credit Services. They have put this on my credit report as a collection. I called them ans explained what have happened. They still want this ridiculous amount of XXXX
Contacted by Blackrock Mitigation XXXX stating we took out a loan in XXXX 2012 we 've requested debt validation letter via US mail they refuse. They sent something via emai but is n't debt validation. They contacted employer stated they had a case against them and myself. I did n't even work for this company when this loan as taken out. I do n't even know if thjs is a valid debt of mine. They have been asked both verbally & letter via US mail to stop contacting me until debit is validated. They spoof their number to make it appear they are calling from the local sheriffs office, as well as XXXX county courthouse, they stated they were the XXXX XXXX county XXXX court as well a law enforcement. They told my employer I was evading them which I 'm not I just want to validate this is or is n't my debt. I 'm afraid I 'll lose my job over them calling my employer.
The company that is attempting to collect from me is Caine & Weiner. After inputting their information into the Department of Licensing and Regulatory Affairs I was informed that the company is not licensed to collect debt in the state of Michigan.
I have a complaint with DITECH, which on my credit report lists itself as XXXX different entities which are : DITECH FINANCIAL LLC, DITECH FIN, and DITECH. 
DITECH has made inquiries to all three credit bureaus : XXXX, XXXX, and XXXX in the last quarter. They are indeed my mortgage company. In XXXX 2016, when I made my mortgage payment, they applied the wrong amount, thinking that my check read {$1000.00} less than what it was. I have proof and the cancelled check that they made an error ( which they admitted to ) ; they sent me to DITECH Collection Agency, which I have never been to a collection agency in my entire life, which informed me that they realized their error and would fix it. However, they never did. In XX/XX/XXXX, they told me that I was late on my payment, XXXX weeks after they received the payment and the check was cashed. In XX/XX/XXXX, they did the very same thing. I called them each and every time, spoke to various people in their collection agency, who promised me that they would send me a letter of apology and certainly never report any of this to the credit bureaus as this was their error. I never received the letter, and just knew they would not keep their word, which they did n't. They have made XXXX inquiries under the names listed above, which has resulted in my credit score going down. I am also a victim of identity theft, which also brought my credit score down, but I am sure that you know, as I do, that when a mortgage company sates that you are late with a payment, your score goes down even more drastically. I need them to stop making inquiries to the credit bureaus, as every time they do it lowers my credit score. I would like a letter verifying that they have retracted the false information. Once again I will reiterate that all of my payments have not only been on time, but they have been early.
I asked Discover to issue me a new credit card so that XXXX could n't find me to charge an annual recurring charge of {$59.00} for an account that was set up by my minor child without my consent. XXXX was not helpful when I called and kept asking for information I did n't know because I did n't set up the account. Discover issued me a new card with a new number and promised me that XXXX would not find me. The next year ( in XXXX ) the XXXX charge showed up on my new card! I have been disputing this since XXXX XXXX and talked to numerous people. In the end ( after disputing and removing XXXX different times ), Discover made me pay the {$59.00} XXXX charge AND XXXX cancelled the account. The last time I called, the agent conferenced in XXXX and witnessed how difficult XXXX is to deal with and that it was impossible to resolve without knowing certain information about the account ( tag number or something like that ). So here are XXXX giant companies who no longer have the ability to provide customer service to XXXX small customer.
I have an account with Bank of America and I mailed a check out on Tuesday XXXX, 2015 from XXXX to XXXX. I had enough money in the account to cover the check and then some. I paid my credit card before the check was cashed. I checked my account this afternoon, Thursday XXXX, 2015 and noticed I had XXXX overdraft fees for {$35.00} for a total of {$140.00}. All of these were caused because the check that was mailed was put in front of the rest of the transactions. I called Bank of America and told them that there was no way that the check got from XXXX to XXXX and was cashed before the other transactions. The person on the phone told me that they could only wave XXXX of the {$35.00} overdrafts fees. The check should not have been placed at the front of the transactions because the other transactions happened before the check was cashed.
I signed up for the {$400.00} checking account bonus online and have fulfilled the requirements for the bonus but have not received the bonus yet. I have called and secure messaged them many times to no avail. I have probably called in over 10 times and they keep stonewalling and escalating to no one. The promotion code was XXXX. Thank you.
Microbilt company response XX/XX/18 that Equifax issued the request for the inquiry. It seems XXXX/Mircobilt 's is saying Skip tracing is trying to locate where a person is or the person occupation .XXXX claims every month they go off the employee employment. XXXX claims everymonth on there update. First I have a state lic for been a XXXX which the state can verify. problem is XXXX   does and can not excess state information by law if so why is it not verified by XXXX. It also seems there is fraud commited by Microbilt as XXXX pulling soft credit for no reason. I don't care about there reponse meaning XXXX/ XXXX/ Microbilt 's response due to no facts to support there response. XXXX   has been know for fraud/ breach of consumer information. I would not trust or anything XXXX responds back to as truthful due to the high deceit and lies on both parities. I have hired an attorney to look into XXXX as well as XXXX/ Microbilt because both subadaries are playing the blame game or come up with some XXXX explation to the response. Going to court can be the answer if file by my attorney to answers and filing for damages. XXXX claims by the reports they have my employment as well as when year or years. as I have from last year reports mail out with wrong spelling wrong companies month after month so there seems like a lot of errors on there part. we can settle this in court.