WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern this letter is in reference to the negative items in my credit report by phh mortgage the servicor of my mortgage at XXXX co XXXX. 
They claim that I was late on my mortgage payments on XX/XX/XXXX and XX/XX/XXXX. They took over servicing of my loan from XXXX. XXXX had a streamlined process where i had an online system and direct withdrawal to pay my mortgage. When PHH took over they had no online system and automatic withdrawal despite my numerous requests. They also are located on the east coast and mailing to them was always sketchy and theyre processing was very slow. I often times would not receive my mortgage notice until very late. I had no intentions of being late or delinquent with payments but PHH processes made it very hard. I have been working out of state which also contributed to these problems when youre on the road working to keep money coming in to pay these debts it definitely helps to have a quality servicor. I mailed my payments in before i left home but they obviously were not received on time probably due to their slow processing times.
I have sent numerous of validation letters and dispute letters to all three credit bureaus and creditor XXXX XXXX for deletion of an account that was put on my credit around XX/XX/XXXX as a charge off account in the sum of {$1900.00} what that claim to be 3 lines with termination charges which I totally dispute. This account was never validated and for that reason was removed from account around XXXX of XXXX but one month later it was back on reporting as a charge off bad debt but each month reporting late. My score has dropped XXXX points already because it is showing 30-60days late payment and they keep adding to it. For 6 months now the credit bureaus have violated FCRA due to not deleting or validating with an original contract and signature. I have contacted the company as well and all they are willing to do is {$870.00} off {$1900.00} balance also this was sold to a 3rd party debt collection agency convergent.
I called and spoke with debt collection company I told them what i was willing to pay. They would not agree, I said i will look to make an agreement with the next debt collection company then. The manager said ok and the company continues to call me.
We do not escrow either insurance or property taxes. We have never escrowed I or T for the loan on this property. Without informing us, PNC bank paid our property taxes more than a month early. When we paid our taxes the day before they were due, we were informed by XXXX County that PNC paid them. After XXXX telephone calls PNC finally asked the county for a refund and our check was accepted. The reason we insisted on payiing is we did n't want the escrow that would result for last year and this year 's taxes ; more that {$430.00} per month. 

Subsequently, we received our XXXX XX/XX/2016 mortgage interest statement from PNC. The PNC contained several errors. The mortgage interest amount was wrong ; it did not include our last payment 's interest even though the remaining principal amount shown did include our last principal payment. The escrow balance showed a negative {$5100.00} and the taxes paid showed a positive {$2600.00} even though PNC had received a refund of the taxes it paid. We have not yet received a replacement XXXX which will likely cause us to have to file and amend our taxes for 2016. Trying to get this resolved took another phone call. 

Finally, we received in the mail on XX/XX/XXXX a statement from PNC stating in part " We 're concerned about your recently missed payments ... .. '' We have never been late with a payment. Another phone call. I was told that we are current. The mailing was " computer generated because of all the adjustments made to our account. '' What adjustments? 

I am deeply concerned that this latest computer snafu will impact our credit scores and future ability to borrow money for a car or obtain a credit car.
Got loans from XXXX back in XX/XX/XXXX. When I was a senior in college I applied for autopay on what I believed were my XXXX loans. Post college I got accepted in the federal loan forgiveness program for my federal loans. I called XXXX to make sure my other private loans were being paid and they were. However recently 3 private loans from got sent to XXXX by Navient. I was never made aware of these loans not getting paid as I was told by XXXX that I was covered. When I called Navient the told me they split, with XXXX and took some of my loans. I was never given a chance to pay anything on these loans before they went to collections.
I paid {$2000.00} to pay pal credit located in Maryland. My account number XXXX. This payment was made on XXXX XXXX 2016 and when I made the payment on line that amount was to be the current balance. Today I got an email from them saying I owe an additional {$31.00} with no explanation of what that amount is for. I they indicate that if is interest, I feel that amount of interest for 3 days in criminal and that company should be federally investigated. I am a senior and on a fixed income and it took me months of saving to pay that amount, and now they want MORE???
Im being blocked by site to external apps to application of thing I 'm applying for and I want it fixed
TransUnion has my credit score according from XXXX XXXXXXXX XXXX print out as of XX/XX/2018 was ( XXXX ) As of XX/XX/2018 showing ( XXXX ) as by XXXX XXXX XXXX. The issue I have there has been a lot of wrong information that was on my credit report by TransUnion such as XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX 2 BY XXXX XXXX XXXX in which has been all removed and some that was court papers as to why they was on there. TransUnion has since lowered my credit due to what I see all these company 's been removed by them. My credit score should not have gone down by ( 34 ) points. I have no late credit cards- student loans or revolving credit cards-car payments etc there is no justifications for this on TransUnion/ XXXX XXXXXXXX XXXX
I made a purchase with my credit union credit card to XXXX XXXX XXXX for XXXX for two adult ski packages. I used and received a paid in full receipt using my credit union credit/debit card ending in XXXX. Approximately one month after making purchase and receiving items I was billed/charged by XXXX XXXX XXXX to my discover card for XXXX for same purchase already paid for. Merchant never called my or my credit union. I reported this as fraud to Discover Card. Discover stated that merchant claims that authorization to visa had expired but they had already shipped items so they took it upon themselves to review my purchase history and charged my discover card without my authorization. Still to this date, merchant has never attempted to call myself or my credit union to correct. I never authorized my discover card to be used. I reported same to Discover fraud, I have spoken to three females form the fraud department the week of XX/XX/2019, each person did not care that a fraudulent transaction had occurred. I advised them I had correspondence from merchant stating that they used my card without permission, as well as a paid in full receipt from merchant showing I used my visa card. Discover first removed the charge from my account, but two days later when I closed my account they put the charge back on my account knowing full well I never authorized this purchase. At time of this report Merchant owes me XXXX for returned items. Discover was made aware but dont care. All parties at discover refused to provide contact information so I could serve them with subpoena. I wish to pursue criminal action against Discover card and all three ladies from fraud department that spoke with me regarding same.
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Debt Validation Request Per Section 809 ( FDCPA ) To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt that you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and is there some contractual obligation that is binding on me to pay this alleged debt. Prove to me beyond a reasonable doubt that I have a signed contract with your company XXXX XXXX XXXX agreeing to pay this assigned debt. Please prove that you are the original creditor. This is NOT a request for verification or proof of my mailing address, nor is it a request for ownership of legal rights to a debt but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a civil suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request and fail to prove that you are the original creditor with proof of a signed agreement within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Regards XXXX XXXX XXXX cc Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX Account number : XXXX Issue with Citibank XX/XX/2018 Monthly Service Fee {$25.00} After calling them multiple times to have them change my account package for the monthly service fee, they sneaked me this fee one more time. This is like the 4th time they have done this to me since the first time I called in.
I am XXXX. I submitted an application to which they acknowledge my circumstances. Their solution is that I transfer the loan to my cosigner. Additionally, they have stated that the loan is in the name of my cosigner, without me or my cosigner having agreed to this action. Now despite us making payments that we can not afford, they are constantly calling to harass with robocalls.
ive had a collections on my credit report for ove 7 sears and the company cant proudce a contract with my singure on nothing
The following delinquencies was reported which decreased my XXXX score. This debt was ordered to be the sole responsibility of my Ex husband by a court majesty. However, I am constantly receiving calls and it continues to be entered against my credit report.
I have sent letters to Midland Funding seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.
I sold my house in XXXX, both loans were paid recorders office and title office both show all loans paid and no leans on the sold property. 
My daughter and I bought a house in XXXX the one bank that the sold house had said that they did not receive any payment and had a lean on the old sold property. They told the realtor that they would over look the lean but I would have to pay the loan back that I had paid before. 
I 'm still paying the loan that I paid off in XXXX, the bank told me if I did not pay they would come after me and my family.
I received collection paper work from Portfolio Recovery Associates for and old XXXX XXXX account. I informed them that I would like to dispute the claim. I received a call from them saying that they had won the dispute. I informed them that I had not received any paper work in regard to that. Shortly after that I received paperwork dated XXXX XXXX 2017 that I am being sued after that I received the dispute paperwork dated XXXX XXXX 2017. They sued me prior to providing validation of the debt
My FICO score provided by  XXXX   XXXX   XXXX  does not reflect my good payment history. My score during  XX/XX/XXXX -  XX/XX/XXXX  w as  XXXX  and was lowered to  XXXX  during   XX/XX/XXXX  -  XX/XX/XXXX . The most recent score for  XX/XX/XXXX w as downgraded to  XXXX  despite the fact that I 've never had  one single late  payment on my credit card since   XX/XX/XXXX .    XXXX  I 've called   XXXX   XXXX    XXXX  and they confirmed my impeccable payment history but could not explain why my FICO score got lower.
I was just looking over my bank statement for a mortgage and found the following issues. With all the rules on banks you would think this one is a simple one to adhere to! I 've had this mortgage for a long time and I think it used to show this, but now it does not. 
1 ) The amount of interest charge for the period. It shows the amount applied but it is impossible to discover if that covers the mortgage since there is no indication of the interested accrued for that period. 
2 ) All three columns indicating Interest due, Full Principle due, and full principle and interest are blank, or show XXXX. 
It is clear from the attached statement under option XXXX that you may not be making enough of a payment to cover your interest however there is no place on the form that indicates what that payment should be. 
Is n't it a requirement to show what one is actually paying and or required to pay to cover the mortgage. 
BTW this is Chase Bank
I am an American Express Gold cardmember and one of the benefits of the card is earning 4x points while dining at US Restaurants. Ever since this benefit was added to the card, I have had issues with earning points at certain restaurants ( XXXX, XXXX XXXX, and XXXX ). Even though the merchants I am having issues with are all properly categorized as restaurants on my statement, they only earn 1x points. As of my XX/XX/XXXX statement, this problem affected a total of {$210.00} in transactions. 

I have been in contact with American Express 6 times regarding this issue and it has not yet been corrected. Dates of contact, representative info, and their responses are below. 

XX/XX/XXXX XXXX advised it was too soon to submit a ticket on the issue and to contact them back in a few days. 

XX/XX/XXXX Initial ticket opened with XXXX for XXXX and XXXX XXXX. 

XX/XX/XXXX XXXX advised XXXX had been corrected in their system and I was issued a credit for the missing points. Their back office did not address XXXX XXXX. New ticket was submitted. Was told issue would be resolved in 7 to 10 business days. 

XX/XX/XXXX Deadline for resolution passed with no action. XXXX advised to call back after XX/XX/XXXX statement points were pending and they would put in a new ticket. 

XX/XX/XXXX XXXX put in a new ticket for XXXX XXXX, XXXX, and 2 transactions at XXXX that were not fixed previously. I was again told 7 to 10 business days for resolution. 

XX/XX/XXXX Still no action on prior ticket. XXXX added new transactions from XX/XX/XXXX statement into ticket. She blamed prior lack of response on sometimes getting backed up with cases. I was again given a quote of 7 to 10 business days for resolution. 

It is now XX/XX/XXXX, and I still have not received my missing points or heard anything from American Express. Due to their lack of action, I am opening a complaint with the Consumer Financial Protection Bureau. 

I am attaching a full list of the transactions that are missing points as well as screenshots from my statement showing that all 3 merchants are US Restaurants. 

Thank you for your attention to this matter.
I have entered into an income-based repayment plan with Navient for my Federal Loans but my payments exceed my monthly paycheck. I have asked on a consistent basis for help in decreasing my payments but everytime a customer service rep has offered me a forbearance. I need help in getting a real help with my monthly payments. I have asked for financial help for years and all they have done is passed me along with defaults and forbearance forms. I would really like to make some payments but I can not afford what they are asking. My combined payments are approximately {$3500.00}. I can not afford that I am a single mother and I am trying to take care of my daughter all on my own. I have told them this several times. I have no way to pay this amount. Please help.
We are very tired of receiving automated calls from Focus Receivables Management caller ID number XXXX. The recording gives no information as to who the call is addressing or anything about the debt. We have no debts in collections. We make all necessary payments on time. They have the wrong number. Please help me make them stop calling!!!!!!!
equifax IS REPORTING, a bankruptcy on my report, the court does not verify this information not now not later, this information was pulled from a 3-party, and must be deleted. the court has verified with me they do not report such information.
Cash Central at XXXX XXXX XXXX XXXX, XXXX UT XXXX phone XXXX XXXX XXXX obtained a HARD Inquire from my XXXX credit files on XX/XX/XXXX without having my application for a loan fully completed. I could not provide XXXX references in order to have my application fully approved to procede with the application for a short term loan ; consequently, my application NEVER was approved. Cash Central decision to traspass my XXXX files with a HARD inquire had damage my financial needs since a HARD inquire had lowered my CREDIT SCORE.
XXXX bill from 2004, hurricanes blew XXXX towers down here in XXXX Florida, no service, had to change companies. This debt is 11 years old and should be long gone, this collection company keeps '' renewing '' the debt and claiming it is new. 11 years old!!!
I owned property in XXXX, XXXX ( I live in XXXX ) that was declared it in my bankruptcy discharged XX/XX/XXXX. The property was not officially foreclosed and sold until XX/XX/XXXX to The New York Bank Of Mellon. The only way I found out this information was when I tried to purchase property XX/XX/XXXX and the underwriter found my name on the property. They informed me that I would not be able to get a loan until 3 years after the foreclosure " sold date ''. I waited the 3 years ( XX/XX/XXXX ) and now am told the attorney ( acting as title company ) never deeded the property to The Bank of New York Mellon, and it still was in my name up until XX/XX/XXXX. I am currently trying to purchase property and the mortgage professionals are stating that the date they use for the 3 year starting date is now XX/XX/XXXX XXXX the date the title was taken out of my name ) NOT the foreclosure sale date of XX/XX/XXXX as originally stated.
BARCLAY BANK issued a XXXX XXXX credit card to me and within a few months I received several unauthorized charges. Many calls were made to correct this over a few months. Reassurances were made by many representatives that the charges would be corrected and the account was closed for safety purposes. Yet the charges continued and the calls to Barclays continued. The last correction was for {$49.00}. Two months later I received an email for a late balance all regarding this {$49.00} and interest and multiple late fees. A bill that I was guaranteed had been removed after several more calls. I am refusing to pay this bill and I am not receiving any satisfaction from BARCLAYS BANK to correct this problem. How does a person protect themselves from these issues? This card balance should be XXXX. However ...
Netspend on behalf of XXXX offers a Pre-Paid Savings account that offers a 5 % optional savings account that you get when you open a XXXX Prepaid MasterCard. In XX/XX/2015 I reopened my card and deposited {$2300.00} into my savings account. When I logged onto my XXXX Prepaid App, the savings account showed an interest rate of 0.0 % for the statement quarter, violating the agreement that netspend included in their terms and conditions. I kept the amount for a month hoping it would change, however it still remained listed as 0 %. I then pulled my money out of it on XXXX/XXXX/2015. When I went to close my XXXX Prepaid yesterday, I was told there was no interest to be paid out, again directly violating the legally binding agreement that I made with Netspend when I opened the XXXX Prepaid Account.
Due to a recent refinance, LoanCare has my loan. In my opinion, they use a coercion mechanism to deny customer the right to a postal statement. In particular, I can't see any online statements at www.myloancare.com, unless I agree to accept 'estatements ' thereby losing my right to a postal statement. 

Result, IF the postal statement is wanted ( it is ) then looking up the statement online, is barred by LoanCare. 

FURTHERMORE, they do NOT mail the postal statement timely. I want to pay the loan by the XX/XX/XXXX of each month ( 10 days early ). I typically don't have their postal statement, AND I can not look up the eStatement online either. The result is I have no statement at all, neither electronic nor postal, when I'm ready to submit payment ( typically the XX/XX/XXXX ). 

I've had MANY mortgages ( and credit cards ) in my life, and never experienced this type of blockage against postal statements, NOR blockages against looking up statements online. 

All attempts to resolve this with Loancare fail absolutely. They are uniquely unhuman and unhelpful. Now they changed my statement headers to " XXXX '' apparently moving my loan servicing to another subsidiary. The tight timing to my objections, suggests they changed the company name on my statement, to 'cover their tracks '.
I have been getting phone calls from XXXX XXXX since XX/XX/2018. They always call from a different state area code such as XXXX for New York and XXXX  in California. Every time I block a number, they call back within hours from a new area code and number. I have never received a letter or bill but it's on my credit so I have no way to dispute this. Plus it shows that they have re-aged the debt on my credit. I have seen the time started roll backwards by a year
XXXX XXXX XXXX is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX 2008, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.