WillisBack/dataset-financial-user-claim huggingface dataset:
I have repeatedly requested copies of payments applied I have sent copies of cancelled checks for payments to XXXX that are not shown any where They keep sending the same printed report that gives no information that I am requesting. This is just a stalling tactic to continue the foreclosure. They are debt collectors and do not follow any of the laws nor does their legal counsel The property now has a Lis Pendis filed against it for a federal lawsuit to try and get them to comply with the law They respond to complaints but the response is never directly for the complaint
On XX/XX/2018 I submitted a dispute to XXXX, Transunion and XXXX in regards to some accounts that I gave no consent to. The dispute is stated that action is to be taken in 4 days yet we are nearing 90 days and to no avail.
My dog was enrolled in XXXX XXXX XXXX vet plan, this is true, no dispute HOWEVER, XXXX XXXX XXXX Breached their Duty of Care to my Pet, negating to provide proper XXXX services when scheduled and it is my contention waiting for them to reschedule caused my pet further damage. 

My dog had XXXX and was to have XXXX checked and removed and also had developed what we later found out was a XXXX, which began on her XXXX and ultimately spread everywhere. She had her XXXX on XX/XX/XXXX..her appointment at XXXX was XX/XX/XXXX which was approximately two weeks and they called and cancelled as they had some doctors leave their employ and were unable to see my dog who needed to be seen. I did let the girl who called know that XXXX needed to be seen and she advised they were arranging for vets to come in and would call me. I never got a call, XXXX in spite of the collar we had for her and the XXXX got worse. I called the Bureau of Veterinary Medicine and found her old doctor who was aware of her severe health history and eventually took XXXX to see her, by that time, I had spoken with a doctor and used home remedies like XXXX to relieve some of the symptoms but XXXX was XXXX by this point. Once I got all of this done and the doctor was finally able to see XXXX it cost me XXXX and this was a discounted price because they knew I had saved XXXX through a animal rescue and did not have this kind of money. 
The credit agency is performing a service however, they have been informed that they should not be trying to collect this debt. If this debt appears on my credit report, I have sought legal representation and will dispute same with documentation. If they file in a court of law, I will also file suit against XXXX XXXX XXXX for neglect and damages done to my dog. A complaint has been filed with MD state against the clinic involved and XXXX XXXX XXXX in general. I have explained to the collection agency who calls non-stop, that I will pay a bill, but I will gladly meet them in court before I pay this billl as their client breached our contract by breaching their duty of care to my pet and their veterinary oaths hanging on their wall. I will never deal with them or with XXXX ever again. There are too many venues around who actually care about pets. I used to spend all of my pet money in XXXX as well as my friends, the animal rights people and boyfriend. I have not even begun to publish the complaints I have about how my Hope was handled and how I was harassed by both XXXX and this credit agency for money. 

Thank you for your time, XXXX XXXX
I have contacted the company multiple times to have the escrow payment adjusted to the correct amount. I have been told to email the escrow department which I have with no response. I have been hung up on, argued with and told that I could not talk with a supervisor. ( by XXXX on XX/XX/2017 at XXXX ). I have also been told there is no phone number for escrow and I would have to write a letter. This is not the only issue I 've had. Statebridge bought the loan from a prior servicer and did n't have the hazard insurance information follow the loan. I spent months trying to sort that out. I did not sell the loan and I am not an employee of theirs, there is no reason I should be spending time and money chasing things down for them. Loan # XXXX
I am a victim of the recent Wells Fargo Fake account scandal. I have tried working with Wells Fargo to fix the issue and have had no success. They have no proof that the account belongs to me. 

I am now requesting that XXXX remove entries from Wells Fargo because Wells Fargo is unable to Prove any accounts ever owned by me related to my XXXX report. 

I am now requesting that XXXX remove Wells Fargo from my XXXX report. I have never been a customer of Wells Fargo. 

PLEASE COMMUNICATE BY MAIL ONLY IF YOU ARE READING THIS COMPLAINT XXXX And Wells Fargo Bank. Do not call please.
I have several inquiries on my report from XXXX & XXXX that was not authorized. I have called the credit bureaus and was told to call the companies that pulled my credit. I just recently called XXXX and they can not find any record of reapplying for credit with them, but it is showing in my report at least 4 times. So after speaking with XXXX I called the credit bureaus back and they still would not remove any inquries. I need some help with this because I am being pulled into XXXX directions but not getting anywhere. Thanks so kindly for your consideration and your help!!
I received a letter from a collection agency about a bill from 3 years ago. Not sure what it is. The Agency only gave me date of service and name of physician. I wanted something in writing for additional information. I never received a bill previous to this. I found out that the supposed original creditor went into bankruptcy and then shut down and this agency obtained the accounts receivable. The medical test in question seems suspicious and very costly.
Got an email from XXXX XXXX with XXXX rewards, saying " my application has been received ''. The inquiry showed up on my XXXX XXXX as a hard inquiry from XX/XX/XXXX.I did not apply for this credit card. I contacted Barclays bank today XX/XX/XXXX spoke to XXXX. she check their database with my social and name, said it was the only way to check. said there was no application. Told me to contact the credit bureau that it was the only way to resolve the issue. XXXX XXXX says I can use you to try to resolve. I have worked very hard on my credit, and I am concerned that my personal information is out there somewhere. Please help me clear this up.
Starting XX/XX/2017 I applied for a forbearance of my mortgage loan. Throught the 90 day period I paid my required amount to loan care. During this time, loancare tried to charge me a $XXXX professing charge. This item was not stipulated in the agreement. Loancare locked out my online access therefore I could not make payment online. Through out the 90 day period the fee was waived. After 90 days, I agreed to a payment plan and the counselor adviced the XXXX$ fee will not be charged. Everytime i tried to make a payment fon the phone, because the phone is the only way to make the payment due to the fact I do not have access to my account.
WHITE COLLAR CRIME complaint against QUALITY LOAN Service Corporation - illegal foreclosure auction against our home tomorrow, XXXX XXXX, 2017 at XXXX. Please see attached for details. Exhibits to be sent via fax shortly. 

Thank you for your investigation and enforcement of the applicable laws for consumer protection.
On XXXX/XXXX/2017, Equifax reported that they had been hacked and that the social security numbers, birth dates, names, and addresses of 143 million consumers were leaked. Using Equifax 's online tool, I discovered that my information may have been breached. I requested an enrollment date for their credit monitoring services ; however, since making the request, numerous online articles have reported that enrolling in the free year of credit services forces the end user into an arbitration clause which hinders the user 's right to be part of a class action lawsuit. I believe, that although Equifax is equally a victim, that they are ultimately still responsible for the breach due to failure to properly secure themselves. I will likely forego their free credit monitoring service in order to avoid being forced into an agreement that I would otherwise not consent to.
I just recently noticed that Bank of America has been charging my savings account {$5.00} every month as a maintenance fee. This account is a keep the change account, which charges my debit card extra money every purchase. Essentially they have been charging me extra money for years that I didnt need to spend, just to take {$5.00} of it every month. I was never told I had to keep a minimum of {$300.00} in my savings account, only in my checking. I have plenty of money in my checkings that I couldve transferred over if one time out the many times I went to to Bank of America over the years one person helping me couldve told me what was happening. I was never notified that these {$5.00} maintenance fees were happening. I have unknownly lost hundreds of dollars by Bank of Americas keep the change savings account. Really it should just be called give us your extra change.
On XX/XX/2018 I received a notification that I gained a new hard pull from XXXX XXXX XXXX. I never authorized this bank to look up my credit information, nor have I ever heard of them.
Experian credit reporting agency is reporting address that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX
Our Mortgage lender Chase, called and sent us a letter stating we were behind on a mortgage payment. When we called to pay by phone to keep it current, they did not call us back to follow up but, instead put a " returned '' status online, then kept sending us letters that is was behind. We attempted to pay XXXX different times over the phone with the same bank account information that was current with our mortgage account online for as long as we have had the loan. They have been telling us on the phone for over a month that the checking account was not found. That they can not collect the money from our checking account because they ca n't find it. How are we responsible for any late fees or now default when the mortgage lender can not find the account to take the money from? We have given them the same information 3 times and even spoken with our bank to be sure the account was correct. Please see about this error on Chase 's part so we can get rid of our late fees and default statement.
Citibank just acted most unfairly by charging me late fees without any type of notice. I only came to know about after seeing the results from my credit report where my FICO score has been impacted by reduction of XXXX points for a delay in payment for which there was no notification provided. After seeing the issue I went onsite and tried to reason with them and they still charged me {$80.00} over the original charge of {$20.00}. The most disturbing thing is that I have XXXX additional cards with Citibank which have never been late. It is also sad that they did not send any type of paper based statement to indicate delay or even considered making a phone call to indicate that there was delay in payment but kept charging me and then ruined my credit by reporting to XXXX without considering the ultimate consequences on my overall future to get great credit opportunities. I will like them to make amends by at least making sure that this negative information is removed from my credit report and ensure that an apology is issued to me for causing this level of stress.
On XXXX XXXX, 2015 I was online trying to file for identity theft on the symmetry website which is the federal government website upon completing the identity theft application submitted it automatically took me to a PDF filler require me to pay {$4.00} I authorized it by giving them my pre-pay American express serve card when the discharge was placed on my cardit was pending for {$71.00} so I contacted American Express serve to dispute the matter they explained to me that I would have to wait to the transaction poles so I waited till I saw to Transaction the next day probably XXXX XXXX, 2015 I was informed by the individual look at the place to dispute for the transaction and that I would have to wait five to set 10 days for it to process it is now I contacted American Express serve XXXX XXXX, 2015 to inquire about my refund of the dispute I was informed that the person did not I guess did not put it in intentionally and only indicated that I wanted to dispute it I requested to have the recording pool they jumped on the route because they know they intentionally did not want the recording to be pulled to show that what I requested then I asked the young lady to submit the dispute again leaving me having to wait amount of 20 to 25 days just to get my dispute or my refund back I asked them why I could not be see my statements they could mansard said that this is such Internet website and I will have the printed this brings people that do not have printers the required to go somewhere and print it and pay someone to print my statements to be mail they can you direct me to where to find it so what I 'm doing now is I would have to go print them and pay for it because American Express sir can not mail me or direct me to have a requested in my Internet website account I asked they said the only way I 'll be able to view it is through a desktop not a mobile not napped happen that table is the only way I can access my account information accurately I will be only able to do it is through a test my right XXXX because if I do not have a desk that I should be able to use a tablet by mobile device on my laptop which stay website tonight account is not capable of handling I would like to request a investigation of American Express or XXXX XXXX contact and management to be investigated in all indivisible charged according to United States federal law
Mailed a written request to Experian to remove line items from XXXX regarding a paid off student loan due to the fact that the US Treasury intercepted a forwarded an extra payment to my student loan account and it was not reflected on my file, even though I had the documentation. On XXXX XXXX I received a final response from Experian stating they " verified item was mine '' ... .That was never in dispute, what was, was the accuracy of the record and as it did not reflect the all documented transactions on my file should of been deleted. On XXXX XXXX 2015 I filed a Summons & Complaint with XXXX District Court in Michigan regarding this matter.
Transunion, XXXX, and XXXX Dispute with all three agency they have proof XXXX XXXX reaging this account and provided them with statements and which they have on file and will not delete from report and continue to make me do a dispute. Transunion Dispute # XXXX XXXX Dispute # XXXX XXXX Dispute # XXXX
I have been in communication with XXXX and Experian for almost a year regarding negative items that is currently impacting my ability to establish credit and purchase a home. These items are reporting incorrectly and they refuse to validate the validity of the items : XXXX XXXX ( never delinquent ) and XXXX XXXX XXXX ( never delinquent ).
XXXX pcs sent a debt to XXXX collections I paid settlement and have proof, now XXXX sent same debt to new collections and when contacted told me tough, I contacted XXXX XXXX who had me email proof, I have all emails, names of collector 's and paid letter. Double dipping is illegal and that 's what sprint is doing and now tagged all XXXX credit reports.
Monthly maintenance fee of {$12.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no explanation.
What happenedDescribe what happened so we can understand the issue ... 

Saturday XXXX XXXX, XXXX and major complaint. Previous complaints addressed harassing phone calls. You stated that no more phone calls. I was awaken at XXXX Hawaii Standard Time by a phone call from your representative. Message from Representative XXXX XXXX, to call her at XXXX XXXX. 
Please answer the following questions to include unresponsive answers to previous complaints. 
1-Is this a harassing phone call. Simply answer Yes or No and what is going to be done to stop harassing phone calls. What is the violation and civil penalty if this occurs again? 
2-You all keep changing enterprise representatives on me. Please respond with name of representative to contact by email. Your phone calls are not resolving our issues and my complaints. I previously ask for email address for Representative XXXX XXXX to resolve our issues and complaints. You all have be non-compliant. Please email me his email address. If not, please explain why I can not get his email address to resolve all issues and complaints. 
3-I ask for the mailing address to mail XXXX form to receive {$500.00} signing incentive for partial claim. Please respond with mailing address to include attention what department. 
What if any is the money incentive to re-sign modification documents? Yes or No. If so how much? 
4-You responded that I am not required to re-sign loan modification documents. You also stated that my modification terms will still remain in effect. You further stated by not re-signing loan modification, it may cause difficulties in the future if I attempt to modify, refinance or the sell the property. 
Please be specific, not general terms as stated above, what difficulties I am going to encounter if I attempt to modify, refinance or sell the property. Please explain fully. 
5-You mentioned previously about recordation of modification. My questions to this still have not been answered. Where is modification recorded at. Name of agency where recordation is being done. Exactly what is being recorded? Who is doing recordation? Phone number to call to check on recordation. 
6-If you all address and answer my questions and concerns, then we can finally resolve all issues. It is up to you all to finally resolve all issues. Simply answer my questions and concernsThank you-XXXX XXXX to publish the description of what happened? Consent provided
The bank credit card company paid a bill from XX/XX/XXXX from an account that I had previously closed. The company 's customer reps who I talked with by phone said they could not understand why the bill was paid because the account had been previously closed. A customer rep in the XXXX XXXX in person found that the account was closed in XX/XX/XXXX. My XXXX XXXX credit report shows that the account was closed in XXXX of XXXX. On XX/XX/XXXX, I wrote to the bank credit card address given on the credit card statement that my account being changed had been previously closed. To date ( XX/XX/XXXX ) I have not received any explanation -- though as a result of my in-person meeting with the bank rep, they notified me in a letter dated XX/XX/XXXX, XXXX that they had opened a claim that I was disputing the vendor 's charge ( which was not my complaint ). I have also received my XXXX statement which has a {$25.00} late fee attached! I do not mind paying the bill ( minus the late fee ) if I get an assurance from the company that no further charges on the closed account will be billed to me.
I have been advised by a third party that there were several innacuracies on my credit reports and discovered that Chase Card had a collection account in my name for a debt that does not belong to me further that I believe was opened fraudulently. 
Chase then sold the debt to XXXX XXXX who then posted an additional collection item on my credit report. The CFPB assisted me in haviing XXXX XXXX remove both their false information and the erroneous claim by Chase from my XXXX and XXXX XXXX histories, however XXXX continues to show the Chase Card Claim on my report. 
I have informed XXXX several times by mail and on their website, that this account does not belong to me and they continue to report it. I have written to Chase Card demanding proof of this debt as I know this account was not opened by me.
On X/XX/2015 {$1600.00} was put in collections without my notice
I, XXXX XXXX, have a loan with PENNYMAC LOAN SERVICES, LLC which appears that XXXX XXXX owns this loan. The address of the property is XXXX XXXX XXXX XXXX XXXX, NV XXXX. I have been paying {$49.00} for Private Mortgage Insurance every month since I bought the property in XX/XX/2014. My estimated loan balance is {$100000.00} and the estimated value of the property according to XXXX is {$210000.00} and according to PennyMac Loan Services, LLC Home Value Estimator website is {$210000.00}. I know that under the Homeowners Protection Act, a lender must cancel the PMI when the loan-to-value ratio on the mortgage reaches 80 % or when we have at least 20 % equity in the house which I belive I do. I have called PennyMac several times and they refuse to remove the PMI and they claim they dont have an Auto Termination Date for the PMI on my account. I have asked for the Auto Termination Date but PennyMac does not have one in my loan file. I need to know if you can help me with this issue?
FROST- ARNETT is the collection agency. we have asked them 3 times to send us detail information on 2 accounts they are trying to collected. we asked for complete address of the customers and a detail bill for both medical bills. 
we have also asked if our insurance has made payments on these bills : XXXX  XXXX XXXX XXXX {$1300.00} XXXX XXXX   XXXX XXXX XXXX. {$510.00} We made these request by telephone and in writing certified mailing. 
They have made no effort to correct this problem.
TOYOTA MTR # Multiple lates retro reported which is erroneous and illegal. Before I pursue this matter using the legal system, I want the CFPB to resolve directly with Toyota. I can  prove, by monthly bank statements, all payments on time. Attached is an example of my credit from XXXX XXXX reflecting before and after dispositions. 

Almost a year after returning the vehicle Toyota Motor went back into my payments and reported one late payment for XX/XX/2016. 

The following month they changed that XXXX reporting on the closed credit line as current and changed 3 years of history into 30/60/90 day lates. 

It does not make sense how they allowed me to keep a car if I was always late. 
I was able to retrieve most of my bank statements to show payments made on time. Some of the payments from early XXXX I was not able to obtain proof of them retro reporting. My bank account that I use to pay them from is closed and I have no access to prove their malpractice. 

I am requesting help with this financial fraud. I would like them to either fix the retro late reporting and apologize or simply remove the credit line. They have prevented me from qualifying for a home for me and my children. I am a single mother of XXXX and they have caused me great grief and inconvenience. I don't know why they did what they did. Surely the law must have a way to protect consumers against such retro false reportings.
My mortgage loan was transferred from Capital One to XXXX. We paid XXXX the XX/XX/2018 payment. Apparently the transfer didn't happen until XX/XX/XXXX Capital one reported this as late I have filed a complaint and sent all information to Capital one and XXXX I have proof of payments
XX/XX/XXXX {$320.00} they later sent a check back in XX/XX/XXXX and requested a new consolidation wanting {$1600.00} and {$610.00} a month onXX/XX/XXXX and additional for XX/XX/XXXX payment when i was already paying {$320.00} a month the money was going to XXXX XXXX XXXX   company who has changed their name to mr. cooper XXXX XXXX XXXX and XXXX XXXX was responsible for this account my question is how my property reached the foreclosure status when i made my payment promply of {$320.00} each month after the property reached foreclosure my attorney XXXX XXXX charged me and my wife {$2500.00} to handle the foreclosure he advised us to file a temporary bankruptcy and we did later on the mortage company came back with a consolidation fee approved for {$1600.00} to be paid on XX/XX/XXXX and an additional {$610.00} and XX/XX/XXXX. payment due onthe third for {$610.00} how can this be when i was already making payments at {$320.00} a month where did the payments for XX/XX/XXXX and XX/XX/XXXX go this is unfair to me please help me with this situation thank you and God bless