WillisBack/dataset-financial-user-claim huggingface dataset:
Bayview LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Once again we cant get Bayview to service their loan unless we file a CFPB complaint. 
Even Bayviews own attorney is frustrated with Bayview. The attorney informed Bayview several times over the last week - to remove the litigation flags preventing Bayview from speaking with us. Bayview is ignoring their own attorney and is refusing to remove the litigation flags, and therefore speaking to us, XXXX XXXX XXXX, as an authorized third party. There is a foreclosure date coming up very quickly and we simply do not have time to allow Bayview to continue playing these games. XXXX It is apparent that Bayview is ignoring their own attorney in order to force this property into foreclosure.
Since XX/XX/XXXX, a mark on my credit report was reported to the Bureaus by XXXX XXXX that I was 30 days late on payment in XX/XX/XXXX ( this did not appear until the above date ... prior to XX/XX/XXXX it was reported as paid on time ). This is inaccurate. First of all, my payments are set on auto withdrawal. Next, every single customer service representative at XXXX XXXX that has looked at my account ( which is several times ) has acknowledged that I have never been late ( this includes several notes from their credit dept promising to fix the issue according to the customer service representatives that I have spoken to several times. ) Finally, I have documentation from my bank showing the withdrawal of funds as well as the payment history from XXXX XXXX from their website indicating my payment was received on time.
The NATIONAL CREDIT SYSTEM,XXXX has a collection put on my credit since XX/XX/2017 from venetian at XXXX XXXX I did and don't owe them this money they went behind my back never contacted me or anything when I spoke to the lower she said she would speak to nes about a XXXX I spoke to nes and rhey can not pull up records I owe them nothing I wasn't even home barely the last six weeks of living there due to XXXX XXXX black model in apt a theft in my apt by staff and vandalism don't t my vehicles XXXX the wner agreed to remove this and hasn't yet
Experian will not change payment status from XXXX despite documentation from XXXX and documentation from XXXX. XXXX changed its record to " Satisfactory. '' I have madethree contacts with Experian, to noavail.
On XX/XX/2016 I noticed a charge on an XXXX credit card, that my wife has and is maintained by Barclaycard, This card is attached to my own card. The purchase was made from XXXX XXXX XXXX XXXX. I questioned this and she said she did not purchase anything at that company. She called the card company and the charge was removed and a new card issued. On XXXX/XXXX/2016, Barclaycard charged her NEW card 3 times for the same purchase. After several calls and investigations opened, the charges were removed but she was told that they would start an investigation and if the charge was legit, it would be reapplied to her new card. Well, it ended up that the vendor determined that the charge was legit and the item sent to a person in XXXX XXXX, VA. The charge was then reapplied to my wife ' NEW card. I told the investigator that we do no know the person mentioned in the statement that XXXX XXXX XXXX gave to XXXX. and that my wife DEFINITELY did not purchase the UNKNOWN item from XXXX XXXX and sent to XXXX XXXX, VA. 
The investigator even told me that the charge was made online, with the correct credit card number and even the ( supposedly ) correct security code. The last case Number we have from Barclaycard is : DBO XXXX. Previous case numbers are : XXXX, XXXX. I will be writing to Barclaycard again about this, but I doubt that anything will come out of it but having to pay for an item we didNOT purchase.
I was divorced in XX/XX/2013 and went to living on a single income where I could not afford my student loan payments. I went through deferments because I was not allowed the income based repayment plan. I contacted Navient more times than I can count to try and figure some sort of repayment plan out.
The XXXX XXXX XXXX called my job multiple times speaking to multiple employees including the owner of the company stating they were going to serve me with legal documents for a garnishment. I called back asked them to never call my job again but the lady named XXXX XXXX said she did not have to. That they were coming for me. I told her any documents they need to serve me with can be served to my home she told me to she was not serving to my home. She was only going to serve to my job. She stated she did not have to stop calling me and I advised her per the FDCPA she did and she said no she just wanted to make sure I was at work and hung up on me. On a voice mail she left for me she stated that I could be arrested at my job. She stated she spoke to my supervisor which is untrue because I report directly to the owner of the company and he is out of town. This is very unprofessional and embarrassing to say the least. She would n't even tell me what the paperwork is related to. I would have resolved on the spot but she hung up. I have a feeling it is related to an XXXX XXXX payday loan.
Reference : XXXX, XXXX and XXXX # 1 XXXX XXXX XXXX XXXX TX This company is reporting that I owe them almost {$4000.00} for XXXX XXXX School opened in XX/XX/2018 1 ) I have NEVER attended this school 2 ) I do not have any student loans with XXXX XXXX school. 
3 ) XXXX schools across the country was CLOSED by the federal government several years ago for procuring fraudulent student loans under unsuspecting individuals names. 


# 2 TFC Credit Corp This company is reporting that I have a 'closed ' student loan account with them that is 119 days past due. 

1 ) I have NEVER attended any school that has a loan with them.

2 ) I do not have any school accounts.

This two companies above are reporting fraudulent accounts. Both need to be removed from my credit report immediately.
XXXX XXXX XXXX XXXX is a loan that has been reporting since XX/XX/XXXX. California Statute of Limitations is 4 years and its still reporting. Experian refuses to remove account.
I had submitted an immigration related application to XXXX and paid the fee through my checking and routing numbers. At the time the application went through. 

However, 3 days later I received a notice saying that my application was rejected because my bank had refused to pay the fee. The fee was XXXX while I had almost 1800 in my account. 

This is a pattern with the bank where they have been rejected payments without consulting or notifying me.
This debt was paid off because it was in judgement at the XXXX XXXX  Courthouse in the amount of {$1500.00} by my Attorney XXXX XXXX, Escrow Officer from a sell of my Property located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX on XX/XX/XXXX. This debt was place as a judgement ( XXXX  ) at the XXXX XXXX Courthouse by XXXX XXXX XXXX  in erroneous after it was settled through the courts in XX/XX/XXXX. After many calls and attempts to Capital Accounts LLC who brought the debt from XXXX XXXX and XXXX  to have it investigated and removed or updated. It is still showing on my Credit Report. I am now through frustration contacting you all to assist me in having this debt showing in the amount of {$1200.00} removed from my Credit History. Account # XXXX  Paid XX/XX/XXXX to XXXX  County Clerk of Court. Judgement # XXXX  in the amount of {$1500.00} Thanks
I have had my mortgage with Wells Fargo Home Mortgage for years. I closed on a short sale today. I had tried for the past several years to save my home to no avail. My home preservation specialist was XXXX XXXX. And I use the term " home preservation specialist '' very loosely as he was never of any help. Very rarely responded to any of my inquiries. I asked many time to deal with someone else at WFHM and once again. my requests went unanswered. I have called XXXX XXXX every day since last Thursday, XXXX XXXX as I am requesting relocation funds as my home is closing in a short sale today. He HAS NOT responded. I am going to temporarily move in with my daughter but I should be eligible for relocation funds from WFHM. I think it 's disgraceful, immoral and illegal not to provide relocation funds so that I can move. I would like a response and an explanation as to how I will receive relocation funds. Thank you. My loan number is XXXX My name is XXXX XXXX XXXX XXXX Court Cinti Ohio XXXX
I lost {$1000.00} in.earnest money and {$540.00} in appraisal fees due to a mortgage companies careless and incompetent handling of my loan file. The loan officer was poor at following up did not make himself available and asked for the same information on a repeated basis as though he had no idea l had sent certain documents multiple times. Due to this comedy of errors the seller elected to opt out of the deal as it had exceeded it 's closing date and subsequent extended closing date because l had not secure financing. All credit checks and preapproval were completed and l was given the ok by the mortgage company to enter into a contract obviously, it was just the inability of the loan agent to close the deal that cost me my hard earned money and a home
There is three accounts that was previously with a different collection agency and it took a very long time to get resolved seeking financial assistance and i also called making sure it wo n't get on my credit report while they approve me and they agreed it would not and it finally got resolved and off my credit report. Now a different debt collection agency is trying to collect funds that is not owned and already resolved. I am so tired of these collection agencies either threatening me calling to much or not having accurate information no letters on file for notice. i never got a letter in the mail from Phoneix if i would have i would have been able to explain with them instead of taking the next protcal.
Experian is the only agency I have this problem with. 

I am unable to unfreeze my credit online. Repeated error message after entering all required information. I am unable to reach a person at the agency to speak with after following all prompts.
There are incorrect personal information that is reporting on my credit file. I have tried to dispute this incorrect information with the credit agencies. Please assist me in getting this incorrect information removed from my credit profile. 

Incorrect Names : XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
The original owner was XXXX XXXX sold to XXXX XXXX XXXX XXXX. I settled and paid in full with XXXX XXXX. I need XXXX XXXX as well as XXXX XXXX  to comment on my account ( my credit report, all three. That this XXXX XXXX store card or credit card was paid and settled and paid in full. Was a charge off but need remarks to say, or comments as paid and settled in full please. Thx XXXX XXXX
well you did a case for me on XXXX dba XXXX well i just got back into transunion and looked up XXXX XXXX., which i been disputing, over again. well i got init tonight and found all my payments missing all of them wiped out the only thing i see is showing is late payment monts on it, but know paid payments. i trying to see where they went and so i did anothere dispute again. it like all my payment from my account are missing even credit card and my lind of credit from XXXX, need your help. i asked attorney general but since then nothing
In 2018, disputes letters were sent to XXXX, XXXX, and Equifax requesting they correct and validate the information on my credit report in accordance with Section 609 of the Fair Credit Reporting Act. If the information could not be validated by producing an original signed contract in accordance with the law, I requested the account be deleted. Each response, they failed to produce a signed contract. XXXX failed to date a response within 30 days of receiving the request. 

XXXX Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX  XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate Equifax Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX XXXX   Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX  Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX  No response -- -- -- -- -- - XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated
On Saturday XXXX XXXX XXXX. I deposited a pay check into my checking account in the amount of {$1400.00} through the atm as the bank was not yet open. Knowing I 've done this and it takes a few days for this transaction to happen and not needing to use my card or money. I eventually started using my debit card for every day purchases. i.e. gas, and water and food for work so I can make more money! Well I went to use my debit card today on Saturday XXXX XXXX at my local branch, and my statement was telling me I was negative {$440.00} dollars in my account. That 's negative XXXX dollars? .The bank is not open at this time, so I call a XXXX number for this bank, by the way is Key Bank and I live in XXXX XXXX Or. And they are telling me this paycheck is still on hold? With no reason for why! So I go down to the bank again as it 's XXXX XXXX and the branch is open. I speak with a teller and ask to see a manager but eventually tell the teller my reasons for coming in. She says that I would have to goto the branch I opened my account up at? I eventually do get to talk to a XXXX? A XXXX XXXX XXXX. he opens his computer and is questioning why the check is still being held. But found out this held paycheck wo n't be released till Tuesday XXXX XXXX? That 's 1 week and 3 days from the time of deposit and states that I will have to wait till then, Tuesday XXXX XXXX XXXX to get any resolution to this matter. In the mean time I have my life to live and my payments to make and being negative XXXX dollars in my account these fees are just climbing because they are accruing as this check is being held. I feel I 'm getting the run around and my local branch is still telling me to goto the original branch where I opened my account? That 's kinda impossible!
Debt was paid and removed in XXXX XXXX. In XXXX XXXX the XXXX accounts were reinserted on my credit report by commonwealth financial. Commonwealth removed the information then replaced the information on my credit report under northeast credit and collect. These accounts were paid and removed they should never have been reinserted. Also accounts are from XXXX, past the statue of limitations on which it can report. Please remove the accounts from my credit file with all three credit bureaus immediately.
I am a consumer who experience the fraud of Wells Fargo and opening accounts. My children are XXXX and there was a business account opened by someone else in my name without any paperwork being signed by me in XXXX, MN. I went into the branch at XXXX, MN and it resulted in the account being closed and I preferred another bank.
eOn    XXXX   XXXX  , I called  Midwest Loan Services , Inc . to get a payoff amount for my mortgage. They sent me a letter with instructions. On   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX  wired the payoff amount to Midwest. Since then I have called  Midwest  several times trying to get back the mortgage payment of {$890.00} that was "  Transaction   Date   X/X/17    '' and  Due Date   X/X/2017   . On   XXXX   XXXX  , I went to  XXXX   XXXX   XXXX   XXXX  where I had gotten my mortgage to see if they could help me. They lady was on the phone for a lengthy period of time before she gave up and handed the phone to me and said good luck. Once again they quoted me numbers that did not make sense to me and that do not appear on any of the documentation. That is why I am here.
my loan was with XXXX XXXX we received a letter from them stating the NationStar would be our new server. 
starting XXXX everything comes out of our checking account, being a modification i did not question why our loan was not going down. 
now i have applied for a new loan with XXXX and was informed that my payment isn't moving because i have been given a forty year loan through Nationstar we were never informed, my husband is XXXX and I'm XXXX we work part time we would never agree to 40 years even if i were 30 so if you can help me or guide me i so would greatly appreciate any help.
IN REGARDS TO : EQUIFAX XXXX. XXXX XXXX XXXX GA XXXX EQUIFAX CONTINUES TO REPORT FRAUDULENT INFORMATION ON ADDRESSES THAT DO NOT BELONG TO ME AND WHERE THOSE ADDRESSES WHERE USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME. NEVER HAVE I LIVED AT THESE ADDRESSES ON MY CREDIT REPORT EXCEPT FOR MY HOME I'VED LIVED AT SINCE 2004. THIS IS A TOTAL INCONVIENCE OF THE INACCURATE REPORTING AND THEN BEING ON THE LIST OF THOSE MILLIONS AFFECTED BY THE EQUIFAX DATA BREACH. THEY REFUSE TO CORRECT THEIR ERROR AND MAKE THINGS RIGHT. I HAVENT BEEN ABLE TO RECEIVE AN UPDATED EQUIFAX REPORT AS REQUESTED. IM TIRED OF ALL THE SHENANIGANS DEALING WITH EQUIFAX THATS WHY IM FILING THIS WITH YOU ALL AND MY NEXT STEP IS THE FTC AND THE XXXX AND THE ATTORNEY GENERALS OFFICE IN XXXX GA TO GET THESE MATTERS RESOLVED.
I mailed my XXXX payment to Specialized Loan Servicing on Friday, XX/XX/XXXX from XXXX, TN, and the payment was mailed to the lockbox address in XXXX, GA, which only takes two days max, as this is always my normal process since there is a fee to pay over the phone or online. I called the mortgagor on Friday XX/XX/XXXX because my payment hasn't cleared my checkings account only to be told that the payment hasn't arrived nor posted to my account and that it has been reported late to the credit bureaus. I attempted to dispute the credit reporting as the payment was made on XX/XX/XXXX but was told I would have to have proof it was mailed. After this conversation I made the payment over the phone, in which I incurred a fee, and forced to make the XXXX payment as this was the only payment amount it would allow. I received a statement a week later showing where the missing payment " mysteriously '' arrived and was posted to my account, only after I requested a stop payment on it and made the previously mentioned telephone payment. This sounds very suspicious that the payment would be posted after I made the previous payment. I have researched this issue and noticed that other consumers are experiencing the same issues of late payment postings with SLS ... they negatively reported my account as delinquent in error since they didn't go by the date of the check I originally issued. I believe this is unfair as I mailed the payment on XX/XX/XXXX and feel that this is the date that the payment should be honored. They haven't been helpful in my dispute of this issue and I am requesting that this negative mark on my credit be reversed as it due to a possible oversight on their part. I have utilized the same method of payment for sending in payments via mail and the payments always got posted/applied timely, so I believe there was an error on their part that caused my payment to be misapplied.
Carrington Mortgage Services, LLC XXXX XXXX, CA XXXX I am writing to inquire about a recent escrow analysis and my escrow balance. On XX/XX/XXXX I requested an escrow analysis because my mortgage payments increased and I wanted to know what was the catalyst that caused my payments to increase. I was told that the mortgage payment increase was due to an increase to my XXXX County real estate taxes. I recently requested another escrow analysis on XX/XX/XXXX because I believe the amount that is being escrowed to cover real estate taxes and insurance is over-stated. 

My first question is why is only {$320.00} being applied to my escrow account and not {$330.00}? Per my monthly mortgage statement a total amount of {$390.00} is being applied to my escrow account, less {$65.00} for FHA Mortgage Insurance. There is a variance of {$13.00} per month that should be applied to my escrow account, but it is not reflected in any of my monthly statements. 

$ XXXX- Monthly Escrow $ ( XXXX ) - FHA Mortgage Insurance XXXX XXXX- Escrow for Taxes and Condo Insurance My second question is why the amount that is being escrowed so grossly overstated? The total payments going out for the XX/XX/XXXX year will be and estimated amount of {$3800.00} ( Condo Insurance, FHA Insurance and County Real Estate Taxes ). However when I calculate the total amount that will be escrowed of XX/XX/XXXX, I am showing a total of {$5700.00} ( $ XXXX*12 months ) + XX/XX/XXXX Ending Escrow Balance of {$900.00} ). Even with the required balance of {$510.00}, I am estimating that my escrow account is overstated by at least {$1200.00}. Please see attached work paper for details. 

I am requesting a review of my account by someone in the Escrow Analysis Department as I believe there are some discrepancies that should be addressed. 

Thank You, XXXX
I have lived at the same address for over 20 years and use a XXXX. XXXX to receive mail. Moved to XXXX XXXX XXXX. XXXX XXXX, XXXX and use XXXX. XXXX XXXX ONLY to receive mail. Worded at XXXX XXXX XXXX from XXXX to XXXX, when became XXXX.
I reconciled my checking account XXXX XXXX, XXXX and found {$520.00} missing from my checking account for XXXX and {$0.00} missing from my XXXX reconciliation. I opened my account XXXX XXXX. I explained to Capital One employee 's XXXX XXXX, XXXX at a branch and spoke to their customer service on the phone. And explained to them that they need to find and put the missing funds immediately into my personal checking account. They have refused to do so. 

They refused to provide me with an email address, fax number or mailing address to send them my reconciliation findings when I spoke with them over the telephone. I explained to them they are committing embezzlement, strong arm robbery of my funds. I went online and found the fax number off their website and faxed the attached documents to them XXXX XXXX, XXXX.
XXXX has an Account open for XXXX for Ford Motor Company. This was paid off and has a XXXX balance as of XXXX XXXX. XXXX has it reported correctlyAccount Details Last Reported XXXX XXXX, XXXX Creditor NameFRD MOTOR CR Account Type Automobile Account Status Open - Derogatory Opened Date XXXX XXXX, XXXX Closed Date Limit Term 60 MonthsMonthly Payment {$730.00} Responsibility Individual Balance $ XXXX Balance {$39000.00} Payment Status Current Worst Payment StatusCurrent Date of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXX Times XXXX XXXX RemarksReaffirmation of debt
Can you please ask XXXX to confirm that they will be paying the County Taxes on my house at XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Amex Every day Credit card sent replacement card XXXX/XXXX/XXXX for an Additional Card Member XXXX other than the my billing addres to XXXX FL XXXX XXXX post office.XX/XX/XXXX I do no know who charge card XXXX shoping {$630.00} USD and XXXX/XXXX/XXXX in XXXX XXXXFL {$75.00} USD. I am call Amex customer service more time about fraud my card, but from my last statements Amex not fixed this charge.I am so upset about that.