WillisBack/dataset-financial-user-claim huggingface dataset:
I am in the loss mitigation process. i had paperwork that was due XX/XX/XXXX i faxed my profit loss form XX/XX/XXXX by XXXX XXXX after faxing my document I even emailed my mortgage counselor. I had everything I needed written on the document even the receipt of the fax. My mortgage counselor called XX/XX/XXXX and said that I was denied for the program due to not faxing the profit loss form that I actually faxed. I asked her even though I have my receipt and wrote everything on there and she said How do I know you didn't just write the loan number on there. When I heard that it crossed my mind to XXXX XXXX XXXX XXXX because I knew that if I was denied out of the program at any day they could come and tell my children and I to leave. Fortunately im guided by XXXX. 
This is the third time this bank has made a major mistake like this and the fault has fallen on me. This company either needs to change policies, enforce rules or find employees who can perform the job. These people have important positions with important tasks that involve other human lives. They need to take their job or company more serious. 
Nine years ago they paid my insurance twice and at one time my mortgage had went up to XXXX but started at XXXX because of escrow shortage, and then threw me in a government program. Then in XX/XX/XXXX they set me up a payment arrangement where I had to pay a down payment of XXXX and then follow up payments. We set up an automatic payment through my account and he had such a hard time getting it done. And when they told me it wasn't paid on the correct day i was terminated from the arrangement they also told me automatic payment had not been set up. Their employees are making huge mistakes with even bigger consequences and its nothing to no one. Im starting to think this is how its suppose to be. The banks make a complete fool out of their customers and the system allows it. They are the system. 
How are they allowed to keep doing this. Are they just trying to take my home? 
I really need them to accept my paperwork and get this process over with because of this bank I am mentally drained, and in a depressive state everyday. 
Buying a home cash should be the American Dream anything else is setting yourself up for failure and a nightmare, but the companies are set up to win ... ... ..well duuuh but you shouldn't be allowed to do wrong
I do n't know how they got my cell number. I told them would deal onlybwith the original company and to stop harassing me. They called again after sending the do not contact messsage and told them I would report them. They have contacted people whose is of no concern my business.
On XX/XX/18 I sent a final letter to EXPERIAN requesting a copy of what they used to verify the following accounts : 1 ) XXXX for {$1700.00} 2 ) XXXX for {$1200.00} 3 ) XXXX for {$280.00} 4 ) XXXX XXXX for {$680.00} 5 ) XXXX XXXX XXXX   for {$4500.00} 6 ) XXXX XXXX XXXX for {$13000.00} 7 ) XXXX   for {$4300.00}.

I also asked them to delete Multiple incorrect addresses & Names they had on my credit report & to send me a copy of the updated credit report. The did NOT do any of this. They only sent me a letter stating they will NOT reinvestigate XXXX, XXXX, or XXXX XXXX. Yet they still have NOT provided me with the copy of what that used to verify these accounts. Experian needs to be held accountable.
I, XXXX XXXX sent dispute to TRANSUNION to discontinue reporting false info on my credit file hurting my creditworthiness. An investigation was done and the credit bureau says the debt is verified by the collection agency. The collection agency received my dispute and concluded that they donot have any info in their office pertaining to XXXX XXXX or the SS # associated with XXXX XXXX.
XX/XX/XXXX Received a call at home phone insisting we pay a Discover credit card debt from XX/XX/XXXX for {$4100.00} which he would reduce to {$1700.00} if we paid today. We asked to mail us proof said it would be {$7.00} per page at XXXX pages. He said he did not have to prove we owed the debt, we had to prove we did n't and if we did not pay before today he would have my husband served papers indicating Docket # XXXX. Threatened judgement with a lien against my husband 's XXXX Ford Thunderbird. Represented himself from XXXX XXXX XXXX XXXX Attorney Firm in Florida. His name XXXX XXXX XXXX and XXXX. Called the next day and gave all the same information to my ill sister we just recently moved in with us and a message to give to me saying if I did n't call back today with {$1700.00} it would be too late and legal action would be filed. I went home from work to call him back because I did not want him having my work number or cell number. I asked him to notify us by us mail. He asked for my email, to which I replied US mail only please. He said " so you want to play that game. '' Tried to talk over me and would not have a professional respectful conversation. I asked him to not call my home again. I told him he broke the law by sharing debt collection information with my sister. I told him as a third party collector he could not call my home everyday. He stated he was not a third party collector, he was with an Attorney Firm. He said " You just blew it because your sister was going to pay this for you ; '' He lied. I told him I called the Ohio Attorney General 's office today to file a compliant. He stated the Attorney General could not do anything to him because they do n't know anything about his business and they had no jurisdiction over him. He told me my new husband was going to ruin my credit because in Ohio I was responsible for this debt even though it was before we were married. I told him to never call our home again. He refused to disclose verification of the debt. He made false statements. He threaten legal action. He refused to give me his address for written communication. He clearly made it known he was above the law and no respect or fear of violating it. I am taking this step because I am a reasonably smart business woman and he was able rattle me. He could easily scam or cause a weaker person dangerous physical stress. Here 's the bottom line. We have good credit. The debt is not reported on my husband 's credit bureau. If he owes it we would pay it but we are not going to give a random person any personal information over the phone. Please advise to what steps I can take to stop this harassment.
On XX/XX/XXXX I brought a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX  XXXX, I had just joined the XXXX and was heading to XXXX XXXX, XXXX to be XXXX. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car. I have tried to do numerous times to get them to work with me and they never would. In XX/XX/XXXX, I got XXXX in XXXX, XXXX, I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact my commanding officer of my command if i did. So while in XXXX my mother had POA because we would be on XXXX alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible. While on XXXX about a year, Automotive Service Finance decided to set up a court date and we turned in all paperwork stating I was on XXXX and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on XXXX and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receive one in the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.
loan XXXX ; Champion Mortgage/Reverse Mortgage placed loan in mortgage due and all due status because of {$2000.00} in property taxes paid several years ago. This abusive since I am XXXX years old and trying to refinance the loan from Champion Mortgage ; Champion is harassing and holding me up from refinancing and paying them off
This company maintains a database of consumer information, mainly for the purposes of hiring in the trucking industry. I have disputed the information countless times over the years but they will not correct it. I have been party to XXXX class action lawsuits because of their refusal to remove incorrect and fraudulent information report by the subscribers of their database services, trucking companies. Also the last time I made a complaint was when the last class-action was supposed to pay out. To be paid a person was supposed to have disputed information during a specific time period and mail in an affidavit to something called the XXXX. I mailed in the document and a few weeks later received a letter saying I would not be paid because I sent no documentation. This company is infinitely corrupt that is why they are operating under bankruptcy protection. 
Also they employ a tactic of dual reports which means the individuals get a report with one set of information and the potential employer gets a report with all of the incorrect and fraudulent information the companies have reported.
XXXX XXXX,2017 Unauthorized atm transactions were being processed on my account more than {$1400.00} was taking out my account! I have an account with rushcard I did everything possible to prove & show to them i didnt authorize these transactions Im still getting a hard time & want to get the lawn involved now
I need access to my property, for a realtor to appraise the home for a short sale. The mortgage company OCWEN will not talk to me, as they have pass the debt to a collection agency XXXX XXXX, XXXX. The collection agency will not ask the mortgage company for the name of the company I need to call to get the key. I ca n't get the process to move forward with out the appraisal, yet they both want payment.
I would like to know : 1. several years ago the highest credit score was XXXX, now its XXXX  2. how is this possible?

3. who gives these credit companies the right to up the scores at will 4. This has created millions of people that are now in a lower bracket and as such, now must pay more for credit!

This is a violation of law under the Rico act, as these companies are aiding major corporations to increase profits and they are doing it for increased income for themselves.
I terminated a lease XX/XX/XXXX and the judge accepted my termination letter ; the termination was on grounds that the plaintiff was trying to charge erroneous fees and had no proof that these fees were valid, the plaintiff would not allow me to pay my rent because of these fees so they then tried to file an eviction, however they were unable to evict me because I provided the judge with my request for termination along with proof that these additional fees were not valid. The judge accepted my termination request, and issued the order containing how much was to be paid through XX/XX/XXXX. 

Once I left, the plaintiff waited months before furnishing anything to creditors and when they furnished it they inflated the total by over {$4500.00} what the judge ordered with my termination request. 

After numerous written request, Experian has refused to remove the erroneous information as well as the plaintiff who reported the erroneous amounts refuses to correct the data after numerous requests in writing, they constantly contact myself and family members harassing us demanding that we pay the false amount or they will keep harassing me and because their office is technically not in Georgia they state that they do n't have to abide by the order unless I send them the order, but they were the plaintiffs so they had the order. Additionally, they have since been purchased by another company and now this company is furnishing erroneous information and refuses to remove it because when they purchased the other company " they said that 's what I owed ''. It is a nightmare because I have a court order and judgement and they are trying to extort me because they know Experian will not remove it and it has costed me so much to try to remove this faulty information and it has prevented me from getting a new residence because it is on my credit.
I have two Home Depot accounts and both have balances on them that are Interest free for a certain period of time. I made a payment on the wrong account.The interest is not due until XX/XX/2019. I then paid the correct account that the interest free ends in XX/XX/2019. I went back in to delete the payment I made on the wrong account {$640.00} and it would not let me delete payment. Called and Citi Bank as horrible said it was a dispute process and would take up to 60 days. Tried to get money back I over paid via phone but very rude agent XXXX ID # XXXX ANDE HIS BOSS XXXX XXXX. Was hung up on by Supervisor. Over paid and not getting any help
The account with bank of America was closed XX/XX/, 2016 due to foreclosure, the amount of the debt is {$59000.00} and I would like for the tradeline to be deleted from my credit report..
American Express declined my new application due to prior card cancellation of over 16 years ago. I went thru a personal bankruptcy in 2000 in which my Gold AmEx card was included. I was never late on the card prior to that event for 18 years. American Express will not look at current financial situation in order to approve a new account. I believe they are violating the Federal Equal Credit Opportunity Act by using the cancelled account excuse from 16 years ago.
XX/XX/XXXX, I contacted XXXX XXXX of Primary residential to see if there were refinancing options for my first home. However, after speaking with her she determined that they would not be able to refinance my home. I informed XXXX that was working with another mortgage company already to finance my home. However, she offered to help find me a loan product her company was offering for the home I was in the process of purchasing at the time. After going over a few loan products with XXXX that were not a great fit for me, she finally said she had found a XXXX loan product that her company had just started offering XX/XX/XXXX. XXXX sent a loan summary to me within about a week of mentioning this product to me. This loan summary looked amazing! It appeared that the loan product she was offering would save me about {$300.00} per month in comparison to the other mortgage company. After the loan summary was sent XXXX began to slowly respond to my text and phone calls. Eventually XXXX sent me a Loan estimate that was still looking good! My closing date was XX/XX/XXXX and it was approaching pretty fast. Two weeks prior to my closing date the appraisal had been completed and XXXX ensured me that we would meet my closing date. However, the week of my closing I called, texted and emailed XXXX and she was n't replying and I was not confident at this point that we would close on time. At the same time, do to lack of communication with XXXX the builders for my home were not trying to wait for me to get final approval from them because the other company I was working with had a final approval in enough time. Thank goodness I continued to work with the other company! I ended up contacting Primary Residential Mortgage to withdraw my application because I did not have any definitive date for close. The day before my closing I contacted the Branch Manager for Primary Residential and expressed my concerns. During my conversation with the Branch Manger it was discovered that XXXX had lied and never informed me that I was being approved for a XXXX loan. I told the Manager that XXXX has never disclosed that to me. After review of my file, the Manager acknowledged that XXXX did submit my loan as XXXX loan product and he apologized for the error and confusing. He advised me that I should continue with the other mortgage company because they were offering me XXXX % financing. This was a very stressful process and overwhelming considering for about 45 days I was under the impression I was getting a XXXX loan and saving money! The day after I closed, I did receive some flowers at my new home from Primary Residential congratulating me on my new home. However, I just felt like the company could 've did more for me monetarily since I was lied to and mislead into thinking I was saving money. This was a horrible experience overall!
BullCity Collections is reporting to the credit bureaus that I owe XXXX {$570.00}. I have explained to BullCity that I have no balance owed to that company. I cancelled my membership in XXXX of 2013, and despite that, the company continued to bill me through XXXX of 2013. Even though I had cancelled my membership in XXXX, and turned in my access key that same month, they continued to bill be for things. This {$570.00} charge they are trying to collect are for charges they charged me for AFTER I can cancelled my membership.
I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on X/XX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days
I have made on time payments which were not posted to my billing statements for each of the past two months. The statement cutoff date is the third day of each month. My XXXX payment was received XXXX XXXX and my XXXX payment was received XXXX XXXX and neither was posted to the following month 's billing statement. I was able to verify the receipt date through the CitiMortgage automated telephone number. 
I have had multiple issues with CitiMortgage regarding proper posting of my payments and accurately reflecting the correct principal amount and minimum payments due with an unsatisfactory experience due to their poor system of internal controls. 
Please investigate and resolve this matter. 
Thank you.
I have always paid on time and when I am going to pay late, I call the office and go in to fill out a form. My payment was due XXXX XXXX which was on a Saturday and they are no longer open on Saturdays. I went in to the office on Monday, XXXX XXXX to fill out a form and let them know that I was going to be late paying. On Wednesday, XXXX XXXX, someone came to my house and left a letter that they came by trying to get in contact with me. I spoke to someone from the office and no one can explain to me why this happened.They also took an unauthorized payment from me in XXXX.
I applied for a mortgage on XXXX XXXX, 2016. My scheduled closing date was today XXXX XXXX, 2016. The lender has caused me to miss my closing day. I supplied all of the documentation that was requested and still, I have not been told if my loan was ever even approved. I have asked about this numerous times and I get either no response or a " its in underwriting ''. It has been over 4 days now and I am in the dark as is my realtor and the seller. I am in an emergency situation where I must be out of my house by Wednesday XXXX XXXX, 2016 and I have nowhere to go or live. I do not know what else to do. My lender is dragging their feet on this. I know under Equal Credit Opportunity Act that the lender is required to render a credit decision within 30 days of application ( Regulation XXXX ). it has now been going on 60 days and I do not know anything at all. I escalated my concern to the manager, XXXX XXXX, and he told me " you are out of line '' and all I did was post a message on the companies XXXX page which stated " I am not having a good experience and I just need someone to please help me get my loan closed. Please help. ''
We have been working on a XXXX short sale with Shellpoint Mortgage - they set a sale date and foreclosed on the property today. They have foreclosed for {$48000.00} less than what was being offered to them on the short sale and the offer was above their determined Value
This is regarding creditor XXXX XXXX XXXX account # XXXX. Previously, the creditor claimed a charge of amount of {$6300.00}. As of XXXX-17 per email and phone conversation with an account representative with XXXX XXXX XXXX, the account balance has been updated to {$0.00} from the incorrect charge off amount of {$6300.00}.
This collection agency never had a current address when they received this debt. They had a very old address and I never knew this existed until it was slapped on my credit report. I never had a chance to dispute this with the original creditor and with this agency when they received it. I have yet to get verification from this agency w/ proof that I owe this amount. Constant harassment with phone calls but no proof the debt exists.
I get down to my last payment on my car 60 month, I think at XXXX interest rate, Last 2 months heartship repairs on the car effected my ability to pay, on time so I call offered to pay XXXX, and the balance of XXXX next week, I was told all or nothing,, I was totally surprised that realizing the Chase has made a nice piece of profit on the life of the loan, was not willing to work with me to resolve the issue but was, threaten a letter would go out to the credit bureau to report a bad debt and risk a repossession. The price tag if the car was around XXXX. The total was paid XXXX, with interest, why is XXXX profit not enough to at least consider corporate to resolve the final payment.
I have called XXXX several times about removing incorrect late payments reported to the credit agencies from the months of XX/XX/XXXX to XX/XX/XXXX. I have set up payment plans for these months and have paid off over $ XXXX  XXXX of the cards balance. They even sent an email that says because of my payment history I am afforded the benefit of the total card allowance of XXXX. Yet, they report that I've paid late 4 months?
Portfolio recovery the creditor accepted payment in lieu of deletion. Once they took payment out they promised to delete this account but have not complied with their promise. BESIDES THIS ACCOUNT IS OVER 7 YEARS OLD AND HAS PASSED A STATUTE OF LIMITATION, AND I WAS ONLY THE AUTHORIZED USER ON THIS ACCOUNT BUT THEY FORCED ME TO PAY THREATENED LEGAL ACTION AND JAIL IF I DIDN'T PAY NOW THEY ARE IGNORING MY CALLS, LETTERS AND ALL REQUESTS TO HAVE THEM COMPLY AND REMOVE THIS FROM MY CREDIT REPORT