WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, 2006 we refinanced our home and paid to have paymentsscheduled for every XXXX weeks. This has occurred through severalservicing companies. I was notified JPMorgan Chase has boughtthe loan and they will not accept my payment schedule. They willonly accept monthly payments. As of today they could not even tellme how much I owe per month or my due date. How can a mortgagecompany change the terms of my repayment? This is unfair and willkeep me from paying down my mortgage faster. They will only acceptadditional principal payments with the monthly payment. It can not evenbe sent at a different time. My next payment is due with the old servicingcompany on XXXX XXXX and Chase " thinks '' my next payment with them isXXXX, but they do not know for sure or for how much. This could create afinancial hardship if it is in fact a whole payment due a few days later. 
Even though they think the payment is due on XXXX XXXX, they will not evenaccept payments until XXXX XXXX. How can I pay my mortgage on time andavoid negative credit history, if I do n't know when it is due or how much? 
the mortgage
I never received notice of my right to dispute this debt. My consumer rights have been violated by the reporting of this debt to my credit reports. 

This account should be removed from all credit reports immediately.
Roundpoint mortgage company sold my loan to XXXX. I was never notified. For 5 months my mortgage was not paid ( it was on XXXX XXXX. I do not live in the XXXX and only found out about this when a XXXX XXXXXXXX XXXX contacted me about foreclosure. Since then, I contacted XXXX and paid the 5 months I was delinquent by phone. The very next day, and everyday since, I have tried to access XXXX XXXX website and it doesnt work. I have read tons of complaints about this company and am worried they didnt process my payment or some other shenanigans with my account. Please help. I would like to file complaints against both companies.
I 'm trying to link my TDBank Checking Account to XXXX. They say that TDBank is not giving access to external apps, thus I call TDBank and they tell me that the know of XXXX and can assure me there are no blocks on that site. I call XXXX and they say the can not do anything to help me and that I must call my Bank. Please help, this is one giant circle of getting nowhere.
They call me at work pretty much every single day. When I am not there, they harass my boss asking her to tell them my working hours. She has told them she cant give them my work schedule, yet they persist and ask for it. They are very harassing. When I am at work, I am very very busy as is my boss. These repeated calls are harassing and interrupt my work as well as my co workers. I am getting in trouble because I get calls at work almost every day. I feel I may be close to getting fired for recieving constant calls at work. I have told them not to call me at work, but they continue.
medical company ( XXXX XXXX XXXX XXXX  ) failed to use accurate insurance company ( XXXX ), thus never made claim to insurance. ( XX/XX/XXXX ) Billing statement was sent to incorrect address by medical company ( XXXX XXXX XXXX XXXX ). ( No Verification bill was ever actually sent ) Received letter from collections company ( I.C. System, Inc ) about amount due to medical company - ( XX/XX/XXXX ) Bill of {$1400.00} Insurance company ( XXXX/XXXX ) aided in disputing amount due - mailing address updated by medical company ( XXXX XXXX XXXX XXXX ) to receive bill and claim to be filed under correct insurance company ( XX/XX/XXXX ) Mailing address was not actually updated by medical company ( XXXX XXXX XXXX XXXX ), and claim was not actually filed with correct insurance company ( XXXX/XXXX ) as discussed. 

Collections company ( I.C. System, Inc ) again attempts to collect incorrect debt from medical company ( XXXX XXXX XXXX XXXX  ) - find that mailing address was never updated and claim was never filed. ( XX/XX/XXXX ) Bill of {$1400.00} Dispute over debt made with collections company ( I.C. System, Inc ) in order to prevent negatively effecting credit. Put debt in hold with company. ( XX/XX/XXXX ) Summarizing, the medical company ( XXXX XXXX XXXX XXXX ) repeatedly failed to update correct insurance information and correct mailing address ( thus a failure of notification ) and repeatedly sent bill to collections ( I.C. System, Inc ) after attempts to rectify the situation by myself and my primary insurance  provider ( XXXX/XXXX ).
On XX/XX/XXXX, I made a payment with Total Visa for {$290.00}. I checked my account on the XXXX and the funds were there. I then went out to eat a few days later and my charge was declined. I was so embarrassed. Luckily, I had other funds on me. I called and was told that my payment was placed on hold. I was upset because this is the third time, I had a hold on my account. I do not understand, because my payments have never been late, returned, missed, and I always pay in full. 

This is also a bad situation because I had used all the money in my bank account to make a payment. So I had no additional money at all. I had no way to put gas in my car, feed my kids, or use at all. I ended up borrowing money from family members. 

I spoke to two supervisors ( XXXX and XXXX ) and a manager XXXX who was no help at all. They said there was no way to help, call my bank, or expedite. I sent a screen shot of the posted charge as requested and they still declined to remove it. 

I am very disappointed in the way I was treated by this company and that they would leave a good customer with no money or any way to feed their family.
I h ave requested XXXX in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by Equifax inXX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.
Furthermore, after 30 days XXXX responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the XXXX Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. Equifax, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, XXXX has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge.
I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that XXXX uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification.
To compound the subject even more XXXX was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.
My loan with RoundPoint Mortgage closed on XXXX/XXXX/2016. At that time I had an escrow balance of over {$5700.00}. My loan # XXXX stated in paragraph XXXX " Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. '' It has been sixty days since closing, I have been told over 4 times that the check for my refund has been mailed. I have been given the run around by multiple RP employees or contractors all to no avail. From what I can find out, this is a common practice of RP Mortgage. Someone needs to investigate them and end this shameless practice. I never missed a payment to them and wonder what they would have done is I had for 60 days.
Equifax was hacked on Thursday. 

On Friday, I checked to see whether or not I have been affected by the hack. Equifax has demanded that I wait until XXXX to get protection from a threat of identity theft caused by their mistakes. 

Not only this, but if I were to sign up for their protection, they demand that I waive the right to litigate against them ( again for their mistakes XXXX. 

It seems to me that while Equifax has been hit hard by this crisis, the fact that they are not willing to own up to consumers even remotely and are ill equipped to protect them makes Equifax primarily responsible in this case.
Wells Fargo opened a line of credit account in my name without my consent. I have been on the phone with them for hours over the past few months trying to close out all accounts with them. Their phone representatives tell me the accounts have been closed but I keep getting statements for a line of credit stating the balance ( which is XXXX ) and the available credit I have.
Company ( Ally Financial ) calls from various numbers using spoofing techniques to emulate numbers I have saved as personal contacts Company calls from BLOCKED phone numbers and does not leave message informing me what they are calling about XX/XX/18 I have been in contact with company to make payment arrangements due to a recent new job. Informed them of when my paycheck would be so I can make payment next day. They indicated they would notate my account and hold off on late fees. 
XX/XX/18 Company called from BLOCKED number, did not leave message XX/XX/2018 Company repossessed car between XXXX XXXX and XXXX XXXX, did not leave notice of repossession or company. I thought car was stolen. Called police to create police report. Called auto loan to inform them of theft and thats when they informed me of repossession. Added {$400.00} repossession fee as well as {$200.00} " re-key '' fee even though car has been in their possession less than 8 hours. Escalated problem to manager and he was abusive, vague and incorrect on the facts of my issue.
I received a education loan from Chase Education Loans Dept., which was already terminated between XXXX and XXXX ( I cant remember the year ). I found out this year, through my tax accountant, that chase turned the loan into " taxable income '' in XXXX, but I was never notified. Fast forward to this year, when I got into XXXX school at XXXX XXXX XXXX XXXX XXXX, and I tried to get a Federal Direct Plus loan, and was denied. The people at XXXX XXXX XXXX, gave me an account number to investigate through a free credit report, which I did. I received the credit report results on XX/XX/XXXX, and it clearly shows that the loan is in limbo, and it is listed as " charged off ' status through Chase. The investigation/ report provides an address and phone number for Chase as the lender. When I tried to call the number listed in the report, it is no longer valid. So I spent 6 hours today, speaking with XXXX, the collecting agency Chased initially told me had the loan, and they could not find it. Then I tried to speak to Chase and they initially told me that they have no info. In other words, XXXX claims they have no info on the loan and asked me to contact Chase ; and Chase claims it has no info on the loan, and asked to contact XXXX. I am completely in Limbo. All I am trying to do is start a process whereby I can start repaying the loan. Finally, after 6 hours, I spoke to a rep. from Chase internal credit beaurue specialty dept., who launched another investigation, which takes about 7 days for the results to see where is the loan and find out what  happened. 
I feel this is extremely unfair to me, specially since I have been a Chase costumer since XXXX. I would like to file a complaint against them.
This Complaint is regarding the United State District Court Judge XXXX XXXX XXXX. On XX/XX/2015 the above Judge ordered saying that the Defendant [ Green Tree Servicing / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX [ Attorney General office of the State of Mississippi ] has attempted to resolve this dispute without court action the Attorney General XXXX XXXX never tried to resolve this, never tried to show good cause and has been illegal day XXXX. It has been [ NO ] federal court cases regarding this illegal Corp. in the State of Mississippi. Now we have an illegal Federal Judge XXXX forgetting the People that was hurt by this corp .My address [ was and is ] XXXX XXXX XXXX XXXX , Mississippi .This corp. and its illegal Lawyers deals in the Mississippi Courts illegally, Sends illegal papers of foreclose of properties all day long, Never have an Judges order never. But that illegally transfers Deeds from State to State wrongfully and Federal Judge XXXX XXXX XXXX ca n't read that! NOT even the illegal Federal Lawyers can, t read this [ WHY? Who Got Paid Off? ] This federal case cost the people XXXX dollars for what?
I am not satisfied with the XXXX from ChexSystems. In my disputed request I asked for copies of the documents sent to them from the appropriate companies in dispute. In that disputed statement I clearly stated that I wanted a copy of what CHEXSTSTEMS received from the companies. If they can not provide that information to me then they have not meet the burden of proving that they this information is accurate. I am stating that this information being reported is not accurate. I never stated identity theft. I stated this information is not being accurately reported and that the inquires on my report are not accurate in that they did not obtain my authorization to inquire or receive a copy of the report. If ChexSystems can not provide documented and written proof that these people have accurate information and that they received proper authorization this needs to be removed from my report. The derogatory items are causing me harm and they are not accurate and the inquires are not any that I am aware of at this time. With that stated ChexSystems is not following the law and is reporting inaccurate information. If ChexSystems continues to do this I will have not other choice but to file a lawsuit in federal court and to sue the other parties listed as well. If ChexSystems is checking and truly investigating they should have provided me with a accurate duplicated copy of what these companies have sent to them as so called proof. Based on their actions they have not met the burden of proof of the law and they should be required to do so. I am so tired of agencies doing XXXX like this to people. I want duplicate copies of the documents sent to ChexSystems as proof of these degrogatory items being reported. I do not believe that Chex sytems has contacted these people at all. If they had contacted them they would provide duplicate copies of the information they received. I will be waiting for a accurate response. ChexSystems is sending what they feel like sending and not what is required by law
I have three XXXX accounts that were paid in full - but are reporting as late in XX/XX/XXXX/XX/XX/XXXXwhen I was in school.
The complaint I have is about Kahrs Law Offices P.A. located in XXXX, Ks. They were handling the debt that my wife owed to a payday loan company. We were served by a sheriff and given paperwork for a court date but could pay the amount of XXXX before then and not go to court. I continuously tried to contact the office to pay off the debt and left all the information that they stated on their answering machine to have them call me back. No one ever answers the phone or bothers to call me back. The day of court my wife could not make it and still no one had called me back. Their office opened at XXXX XXXX so i tried as soon as they opened to contact them. It was at this time that a the woman who 's office it was finally answered the phone, i stated that it was my wife 's account and all I wanted to do was pay the debt of {$600.00} to pay it off. She then told me she could not talk to me, because i was not on the account. I told her my wife was at work and being that she works for a XXXX XXXX it would be hard for her to get time to call her to pay it or put me on the account, and that the time for us to be in court was at XXXX XXXX so i just wanted to pay it to insure that we did not accumulate any other fees. She again informed that she could not talk to me because i was not on the account. So after getting off the phone with her I tried to get ahold of my wife at work and to try and have her give the lady a call for fix it. By that time it was a little past XXXX XXXX when my wife finally got the chance to call her. My wife did not have a lot of time so she put me on the account so i could pay it. When i called back to pay the debt that lady informed me that since it was now after XXXX XXXX that we would now owe them XXXX XXXX dollars. So i paid the XXXX dollars while one the phone with them. After about a month we received paperwork saying my wife 's check would be garnished for the remainder. As check after check was garnished i immediately noticing that more than 400 dollars had been garnished. So I called back to Kahrs Law Offices to see what had happened. After yet again continuously calling getting nothing but answering machines, i finally got ahold of someone. I was then told by this lady that the amount that we owed after missing court was not XXXX XXXX dollars in fact it was XXXX. I asked her why the other lady told me it was XXXX XXXX and she was rude and said I could not tell you why the other lady told you that you only owed XXXX XXXX dollars.
Having multiple credit cards, I gave discover the wrong passcode to my account. They immediately transferred me to the fraud department, without my knowledge. All of a sudden it went from courteous service to someone who was brief and dismissive. The personal questions they asked about my life are pulled from public records and they were not accurate. So they continued to lock my account despite them having incorrect information. I was finally able to activate my card but I felt such a difference in service when transferred to the fraud department. While Discover 's goal may be to put the customer first, they clearly do not treat all customers equally. Furthermore, their disinvestment in technology systems which could speed up the credit card activation process is eye-opening. They could not verify me by sending a passcode to my phone or email.
in 2015 my health declined, due to XXXX  from a loss of income which was very much needed my childsupport. i tried my best to maintain my finances in better position for my household. i did overtime alot which kept me away from home and my XXXX daughters.this led to a disaster, my XXXX older where skipping classes getting low grades etc. therefore i was forced to stop working so much, my household was in desperate need of a stable parent. i went to citi and informed them of my situation and my need for help, but got no help. my finances slowly declined as my health did. i sought the help of family and friends, but they could only do so much. i then had to take out paydayloans to stay afloat. citi offered ( NO LOSS OF MITIGATION ) help theyve violated the Real Estate Act. RESPA i sought the help of NACA. IM in dire need of help!!!!!
XXXX continues to have XXXX  on account incorrectly. I am attaching the monthly payments. XXXX was not late 5 times. XXXX has been reporting falsely for months and I have contacted XXXX XXXX XXXX XXXX which handles Consumer issues and they will investigate the company on these unless this is fixed. They continue to report avail credit incorrectly as well. As reported does not match the statements either. I have paid them over 2600 Attached is all proof. Also XXXX continues to report hard inquiries incorrectly. I have disputed all the ones I did not authorize. I did contact the ones I am disputing most of them do not answer any calls or emails because scams and 3rd party internet predators. I have 6-7 inquiries on XXXX and XXXX. XXXX  is the only one with almost triple amount. These need to removed immediately. These inaccuracies are causing harm and not being removed. Also attached the information as XXXX website will not allow me to dispute online it just goes to attached screenshots and sits there or tells me I have to pay XXXX
I sent a letter to XXXX to REMOVE XXXX collection 's that have been paid from my report from Consolidated Recovery because they are not licensed in the state of Tennessee. But the items were not removed.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
I have already experienced fraud charges resulting from the Equifax data breach. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected
Litton Loan Srrving collected morgage payments from me from XX/XX/XXXX TO XX/XX/XXXX WITH NO LEGAL RIGHT TO COLLECT AS RECORDED IN THE XXXX distric court XXXX XXXX XXXXRecording right to collect is mandated by Federal as Well as State Law Under XXXX XXXX LawwLittion Loan Servicng had 90 days to do this XX/XX/XXXX and failed to do so.. Under these Laws Litton Loan Servicing lost the right to collect. also Littiin Loan servicing has commited multiple. fradulent avts with this loan as documented by me with over a XXXX documents. How can Littin Lian servicing transfer anything after commiting fraud and not registering.plus Argent was not aloud to transfer this morgage under XXXX county court XXXX.
I filed a dispute in 2013 against the collection agency known as XXXX account number XXXX Phone number XXXX with Experian sometime in 2013. Experian failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so.
I have settle the amount with the lawyer representing t he Portfolio Recovery Associates. I had paid a certified check and it was  cashed on the  XXXX  of  XXXX  for the agreed amoun t. Portfolio Recovery Associates also  reported the balance was still owed and that 's incorrect. Case  XXXX   XXXX  in the  XXXX  Ohio Court. This was a  XXXX   XXXX  original  XXXX ,  XXXX
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS PLACED IN MY NAMES WITHOUT MY CONSENT. I GAVE NO ONE CONSENT TO OPEN THESE ACCOUNTS. HERE IS A LIST OF THE FRAUDULENT ACCOUNTS AND THE CONTACT PERSON AT EACH COMPANY. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. EACH COMPANY AND THE PERSON I SPOKE TO. I ATTACHED MY POLICE REPORT ALSO.