WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to apply for a loan modification and was turned down because I was n't behind in my payments. My property taxes have tripled and I was trying to get the bank to escrow the taxes and insurance. After speaking with them, I could not do either. I have had the mortgage since XXXX. On XXXX XXXX, XXXX, BOA called me at work to ask me when my payment was going to be made. It was supposed to be made on the XXXX, however, XXXX Bank scheduled it for XXXX XXXX ( XXXX day late ) because I missed the cut-off time for the payment to be made on the XXXX. I have never missed a payment in 20 years and this was the very first time I was late and not due to my fault. I am furious that BOA is harassing me for XXXX payment which will be made tomorrow, XXXX XXXX after 20 years of NEVER paying late. I want them to stop.
XXXX XXXX XXXX XXXX is monitoring my credit in a fraudulent manner. On XX/XX/XXXX I received an alert of a new tradeline open and reported which is part of the XXXX point reduction that has nothing to do with inquiry made on XX/XX/XXXX. 

Equifax systems is built against the consumer not for the consumer to prevent fraud by those that work within financial institutions doing business in Maryland. Equifax rejects any rebuttals and/or reinvestigation of erroneous remarks and updates on any old account with error. XXXX XXXX XXXX XXXX neglected to investigate fraud claim I submitted over 6 years ago pertaining to a fraudulent deposit into my checking account. There has been no new accounts opened under my social security number with XXXX XXXX at any time within the last 3 years.
American Express sent me a bill on XXXX XXXX 2016 for a balance or a minimum payment due on XXXX XXXX 2016, I paid my bill on XXXX XXXX 2016 for XXXX times the minimum payment due, however, i was charged a late fee and received a past due minimum payment for XXXX on the XXXX XXXX, 2016 statement. I phoned American Express and shared my XXXX XXXX payment which was made on XXXX XXXX, 2016 and owed the minimum payment of XXXX for XXXX, but the company applied my payment to the XXXX bill. I was advised that I made my payment too early, that bills had to be paid the the day after the statement date. I do not have this payment rule in any cardholder agreement for payment. I spent 4 hours on the phone being passed from agent to agent and had to pay an errorenous minimum payment and wait for XXXX adjustment. I do not have disclosure needed from American Express about how payments are applied that are received prior to due date or how late payment and interest is applied. The removed the late payment and supposedly noted the account that XXXX was not passed due. I asked to speak to a Manager or a Supervisor, and was put on hold by XXXX different agents for 10 or more minutes for the another person to come on but did not identify themselves as manager or supervisor and repeated the same info. The customer service department is not located in the US and when you call corporate headquarters in XXXX, you are transferred back to XXXX. The written customer complaint is a PO Box # with no name attached to whom to send the written complaint.
3 Accounts with Portfolio Recovery Associates I have written to Portfolio Recovery Associates and mailed certified mail on three separate occasions to have this debt removed from my credit report. I have requested to have Portfolio Recovery Associates to provide me with a copy of any viable evidence bearing my signature and as of today has not been done by Portfolio Recovery Associates, with any automated or XXXX verification is unacceptable. I have also notified Portfolio Recovery Associates that by continuing to report on my credit report it is a violation of the Fair Credit Reporting Act. I have also notified in all my three certified mail letters that if not removed from my credit report that I will file a small claims action against Portfolio Recovery Associates. Only response I receive from them is a that the claims have been verified and they will not be opening another investigation, but have not responded to me with viable evidence bearing my signature. Their office considers this matter closed and I do not have any evidence and how can they close this matter without sending me what I have disputed. 
Account numbers are as listed : XXXX for the sum of {$2300.00} XXXX for the sum of {$910.00} XXXX for the sum of {$340.00} All three accounts do not have my correct name and have wrong address on the bills. 

Thank you for your time and I look forward to getting these 3 matters cleared up and off of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX
My name is XXXX XXXX. Equifax is showing my name as XXXX XXXX with a address in XXXX Ohio. Also there is XXXX credit cards that are on my credit that are my sister in laws XXXX XXXX. I 'm XXXX XXXX dob : XX/XX/XXXX. I would like for her name, address, and both credit cards to come off my credit report. This is ridiculous and I have tried to get it off through equifax but they did not do anything for it.
I Have tried for months to obtain my PIN. I went to the website, and it doesn't even offer me the questions to try and identify me. They state I must send sensitive information through the mail. I refuse to do this as US mail is not secure. They indicated if I paid a monthly fee, I could get it lifted, and speak to real people. None of this has happened, and I still can not contact a person I understand they had a security breach, and it is of paramount importance that I get a new PIN, or at least my old one so that I can change it. It is impossible to talk to anyone on the phone.

I recently had issues with XXXX, and it was taken care of via their website.

I need my credit thawed, and unfortunately Experian is less than helpful in any matter.
Diversified consultant 's is still reporting a debt for XXXX XXXX Account # XXXX to XXXX that should be removed. They agreed to remove account completely from credit report which they did on, XXXX, XXXX but still showiing on XXXX.
ON XXXX there was a charge on my account that was not authorized. I attempted to dispute the charge online on the bank site and it would not allow me so I had to call a customer service representative. The XXXX walked me through filing the dispute however, they never told me they were cancelling my bank card and specifically told me to answer NO to the question online through the dispute process. On XXXX I attempted to make a deposit to cover expenses and the card would not allow me to make the deposit through the ATM at the local branch. I called and at no time did they ever inform me that the card was no longer valid. They went ahead and paid XXXX charges which caused the account to become overdrawn. I called again and was told that I should be receiving a card in 3 days. A new card never arrived so I called again. This is now towards the end of XXXX. I finally received a replacement card on XXXX. When I logged in, I discovered that PNC was charging me almost {$200.00} in fees for the overdrawn items which totalled around {$400.00}. I have repeatedly contacted the bank to remove those excessive fees and they refuse to acknowledge any error. I ultimately submitted to the bank that until they correct the error I will not be making a deposit to cover what should be {$470.00}, which is the total of the overdrawn amounts plus {$72.00} in overdraft fees. The charges were less than {$400.00} originally and they are trying to rob me by charging a 50 % fee. This is usurious, fraudulent and I will not pay them another cent until they resolve the problem and acknowledge the poor customer service who never told me they cancelled the card. I work during normal banking hours and can not leave work to visit the branch in person. The ATM card was the only way I could make a deposit. I want the fees removed and I am willing to pay only once for each overdraft item. I no longer use PNC but they continue to harass me for the same after I have repeatedly tol them I will not deposit until they correct the problem. The are now not answering my request and only continue to harass me at work when I have clearly told them not to contact me during my working hours.
In or around XX/XX/XXXXI contacted my loan provider. I had been working in public interest since XX/XX/XXXXwhen I graduated. My loans were consolidated inXX/XX/XXXX and the Servicer was Navient Solutions. When I heard about the public interest student loan forgiveness program inXX/XX/XXXX, I called Navient. I was told that I would qualify under my current plan but that my Servicer would change. My rate of repayment went down slightly. I was never told the term of the loan would be extended. Several years past, I made timely payments and then because I knew people were getting ready to apply for foregiveness and because may servicer was changing from XXXX  then to XXXX I called to ensure my payments were correct. This was inXX/XX/XXXX. It was due to the fact I had heard that many people were not in qualifying plans even though they believed they were. This was not the sole purpose of my inquiry. I also contact them because I was with a new employer and wanted to make sure they qualified. At this time I was told by XXXX I was not in a qualifying plan and I had never been in one to begin with. They told me both of my employers were likely to qualify but not one single payment I made would. I borrowed approximately {$110000.00} and over the last 18 years I dedicated my career to serving the public. I have paid approximately {$140000.00} over that time because of high interest rate. I still owe {$95000.00}. When I changed jobs and received the correct information I changed to a qualify plan. This was inXX/XX/XXXX. Because of the incorrect information I will have at least 9 more years to pay ( assuming this program still exists ), I will be XXXX  years old, and will have paid back over {$210000.00}. The worst case ( if the program does not continue ) I will be paying until I am XXXX  year old and the amount I will pay on my Federal Student Loans will be close to {$400000.00} when I borrowed {$100000.00}. It is unfair for the student loan companies to mislead and confuse their borrowers. Thank you
I had medical coverage with Nevada  XXXX , I should never have been billed for this visit.
I made a claim to my insurance company for damages to my property during hurricane season. My mortgage company, Ditech, held the insurance check for processing and releasing of funds. After funds were processed Ditech sent a check to me so that I could pay my contractor. The check was issued for {$40000.00}. On monday, XX/XX/XXXX, I deposited the check in my bank account and advised the contractor the money was ready to start the job ( re-roofing ). I gave my contractor two personal checks for partial the amount and the job started. A few days later, I go into my bank account online and find out that the mortgage company had put a stop payment to the check. Not a phone call, not a letter nothing from Ditech, advising me that they were going to hold the funds. I contacted Ditech and was told that the reason they held the {$40000.00} check is that they were filing for bankruptcy chapter XXXX, and they were court mandated to freeze all their assets. I explained to Ditech, that there were outstanding checks written by me for the contractors and they would bounce because they stopped the payment on the insurance check. Now I am facing legal action from my contractor for non-payment and overdraft check fees for the bounced checks. Ditech told me the best they can do is issue another check since my financial institution would not redeposit the insurance check. I asked Ditech for a letter explaining the situation so I can show my contractors what the issue is, and Ditech refused to send me a written explanation of the problem, stating that is it not company policy to do that.
I found out from the XXXX premier XXXX told me to sign up for Credit Karma. So  I tried to sign up it tells me there's an account already exists it what is my Social Security number please I'm asking please my identity was stolen I never apply for any credit cards I don't have any credit cards. 


If someone can call me I would really appreciate XXXX
I have been disputing the consumer credit reporting agency, Equifax for 20 months. I have sent affidavits, police reports, certified compliant/demand letters to XXXX. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that XXXX added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My last certified letter that I sent XXXX was on XXXX XXXX 2017 and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.
I also sent a request to remove addresses that did n't belong to me and update my current address. As well as removal of the inquires that I did not authorize : XXXX XXXX XXXX and XXXX.
I have a mortgage with Mr. Cooper ( formerly Nationstar ). I flooded in Hurricane Harvey, with my insurance settlement being {$190000.00} which is being held by Mr. Cooper. I have uploaded my paid receipts so far, amounting to {$67000.00} out of pocket plus another {$18000.00} paid to my contractor today. However, Mr. Cooper refuses to release more than 10 % of my loan, amounting {$37000.00}, until I have completed 50 % of my home repair ( which would amount to nearly {$100000.00} ), at which point they will release 50 % of remaining funds. They have repeatedly refused requests for interim releases of money, leaving me paralyzed with the inability to repair my property in a timely fashion. They are now requesting another inspection, with a turn-around time of at least 3 weeks, before even considering release of more money.
4 loans from XX/XX/XXXX-XX/XX/XXXX have been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX in which was deferred as I was a full time student
This is my second complaint. I was told I would only be contacted and yet my family and friends have continued to receive harassing calls. At this point I will be contacting an attorney in regards to privacy and harassment.
I believe this is a debt that I disputed in 2009 for cable services. 

I moved to the XXXX XXXX in XXXX of 2009 and asked to cancel my cable service in XXXX. 

I spoke with a representative at the time and was assured that this would be done. 

Sometime later, I was told that I owed for 2-3-4 months of service. ( I no longer have the documentation from this matter. ) I now have a {$140.00}. collection amount showing on XXXX my Credit Reports by MRS BPO, LLC.
I am extremely upset of the way Wells Fargo has handle my loan. I am not able to make monthly payments to them anymore. Therefore I have summited XXXX letters requesting a settlement, this loan was taken out over 10 years ago, and I just can not make any monthly payments. I am willing to work directly with Wells Fargo however I feel they are just prolonging my case. I do not want to file bankruptcy because I will damage the little credit I still have. But if Wells Fargo is refusing to work with me and they dont want to work on a settlement offer, I will be forced to do so. I called today to get an update with my assign specilist XXXX XXXX. However ; once again there is no new updates. I am tired of the excuses I been given.
I have multiple loans with Navient. The problem due to having multiple account open, as well as being enrolled in IBR, the online system makes it difficult for me to pay the allotted monthly payments. It continues to show that I owe more then what I quality for using IBR. When I made contact, most of the providers don't know how to solve the problem, and there responses have been more confusing. They have said I should consolidate my loan through, however failed to mention that if I do that I will not be able to carry over my years of successfully making payment under IBR, for loans forgiveness after 20 years. I have also accrued late fees and payments that are confusing to me, given that I have been on IBR repayment, and there is not clarification how to stop these from accruing. I also have no support in learning how to renew for IBR, and are not provided with yearly updates. I am currently in Forbearance and do not know why, given that I am under IBR.
Hard Inquires Equifax Mortgage Services - XX/XX/XXXX Certified Credit Report - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Customer service wouldn't take care
Received phone call from XXXX, a company called XXXX regarding an alledged debt I owe to their client. Claiming I owe for a payday loan? I do n't and have n't used any payday loan company ever. Thank you.
Dear XXXX : As a senior citizen, I would expect not to be taken advantage of especially with something as serious as a mortgage. I have as of yet to be given an accurate, ongoing accounting of my mortgage loan. When I have asked questions, I have been given incorrect and/or incomplete information. " The year 's end analysis '', I was told would clear up all my questions. It has not. Please help. It still shows problems with accounting and presents more questions. 
I was initially informed that the mortgage insurance would be stopped after a few months Itemization of Amount Financed / Settlement Statement Return of the per dieum I was erroneously charged The money I returned from FHA repairs Insurances cancellation and accounting for XXXX Bank - accounting, request for loan payment in full Venta Financial Group , Inc. - accounting, letter of transfer XXXX XXXX XXXX XXXX - accounting XXXX - accounting
I was a customer of XXXX. After XXXX bought XXXX my bill started going up on XX/XX/XXXX. I called XXXX several time to complain about my bill. They failed to do anything about it. I was under a contract till XX/XX/XXXX so I did n't want to cancel. In XX/XX/XXXX, I called XXXX to return XXXX of the XXXX receivers I had, so I could save money. The next month I received a bill of {$810.00}. I called XXXX immediately. I was told that the previous representative cancelled and restored my service and the account would be credited back for the early termination and prorated charges. The next month came and I did n't see any credit. I called XXXX they said it can take 2-3 months for the credit to show. In the meantime, I was getting late charges for the balance they caused and I had promotional offers that were removed for my account that I was supposed to have till the contract ended on XX/XX/XXXX. I wrote to the corporate office. When they finally wrote me back they promised me they will credit me for there mistakes and inconvenience. On XX/XX/XXXX I still did n't get all the credits I was promised so I cancelled since my contract was over. In XX/XX/XXXX I was checking my credit report and saw a {$300.00} collection from XXXX and past due history for 30, 60, 90 and 120 days. I have several emails from the corporate office of XXXX I can forward to whoever will be handling my complaint.
First, This debt is a result of an apartment rental lease, in which my dependent/student niece was only name as an occupant. From day one, I made numerous complaints in reference to bugs, flooding and mold, to name a few. I made numerous calls to maintenance, management and even the emergency line about the flooding. My mother was visiting from XXXX and my niece has both XXXX and XXXX to XXXX ( XXXX ), so it was beyond awful. I had been deceived by the initial walk through as the walls were freshly painted and carpet was new. Once I decided to vacate, I informed XXXX in advance, in writing, with no timely response. Partly due to onsite management changing 3 times within the 3 months of my stay. Once I spoke to management and then upper management at XXXX, I was asked to leave within days, which was not doable. I even tried to pay and assured the company that not only would I pay, Id surely leave the dwelling in better condition than I found it. I have many photos as proof. Not only did they return my final payment to me, They attempted to collect beyond what was due ; dispite the fact that the apartment was rented to an XXXX family ( with whom I visited ), within a few days of my moving, which is illegal in XXXX Once, I received notice from the collection agency ( after it was forwarded by USPS from my previous address ), I responded to dispute the bill via phone calls, email/fax and via their websites ' portal. I made contact with and/or wrote letters of complaint to various governmental agencies.agencies. I have n't heard from them again, until recently ... Rent recovery called my mothers ' house in XXXX in an attempt to reach my niece, who did not sign and has never signed a lease. Since, they have even put the negative debt on her credit report, as well!!!
On XXXX XXXX I submitted an application to Wells Fargo bank to refi my Wells Fargo 6 % mortgage which I had been paying for 8 years with no missed payments. The balance is {$380000.00} I have an equity loan for $ XXXX am retired with a pensiion and SS for both my wife and myself. I have been paying my bills for over 55 years with no missed payments. My FICA score is XXXX. The house was appraised for {$950000.00} using a Wells Fargo recommended appraiser. The main mortgage which is what I tried to Refi would have lowered my monthly payment from {$2500.00} per month to {$1800.00} .I submitted all the documentation to show that I had sufficent assets in my 401K, IRA 's for both my wife and myself, as well as annuities, personal stock portfolio, US bonds and cash. I submitted all this info in a timely manner as requested, sometimes XXXX times as WF " could n't find '' the information.I have received over XXXX letters from Wells Fargo, sent them over XXXX Emails during this 6+ months time period.I was told by Wells Fargo that I should not apply for other credit, as it would effect the Refi, so I was kept from applying elsewhere. I have been in the XXXX XXXX XXXX for 12 years, worked as a XXXX for 30 years.I owned and ran a XXXX for years, as well as achieved XXXX and been XXXX for over 20 years. 
I am very competent with management and numbers. I have copies of all the mail sent to me, as well as copious notes from all my discussions with Wells Fargo, which were on a recorded line. Wells Fargo does not know how to Refi a mortgage from a person that does not have a standard XXXX. Over the first five months I received different information from different Wells Fargo employees. All of which I have in my notes, and which follow the recorded line info. 
I emailed XXXX XXXX the CEO and they turn it over to an employee who was put in placeto keep anyone from bothering the Chief Executives. 
At XXXX point on a late Friday afternoon, I was told the application was approved. The following Monday morning, I was told the application was denied due to not enough income to debt. 
Wells Fargo does not recognize that a retired person controls their income through RMDsand Distributions. Wells Fargo tied my life up going on 7 months. As part of their responses to me, they sent me a check for {$500.00}, that is after they have collected over {$4700.00} extraby not approving the Refi, They have tried to roll over me by virtue of their size. 
My FICO score is XXXX. I have had credit cards with monthly payments paid on time with XXXX and XXXX XXXX for over 55 years. I believe I have a proven credit history. 
I do n't know why they are discriminating against me. Perhaps they do n't want to give loans toXXXX year old Senior Citizens.As a backup, I also have {$500000.00} worth of life insurance payable to my wife in the event of my death. I try to cover all my bases.