WillisBack/dataset-financial-user-claim huggingface dataset:
they are saying i didn, t make any payment since XXXX but that is not right because waas about XXXX or XXXX and i think their is something illegal in this attempt to collect the debt
I had just bought a house back in XXXX 2015 my mortgage is with XXXX XXXX Co. I was contacted by a Co. called National Bi-weekly Adminstration and was told that their co. was a part of XXXX XXXX and that they could save my thousands on interest payments by making bi-weekly payments my house, payments are due on the first of every month, now they deduct half of the payment every two weeks and the other towards the end of the month but they do n't make the actual payment until sometimes on the XXXX of the month that the payment is due I have been trying to contact this company for the last 2 months to cancel the automatic deductions because they are destroying my credit that has taken me years to build and all I get are recordings and never able to talk to a live person I came across the complaint that was filed against this company and that is why I am trying to contact you today could you PLEASE help me with this I am not sure what to do at this point, because they keep deducting money from my account, I am in the process of alerting my bank to have them stop the deductions at this time, but that process has not been put through yet, this company lied to me about everything its a shame that companies like this cheat honest hard working people again can you PLEASE help me. Thank You Very Much!!!
After ( at least ) over a year of consistent, on time, payments to Citi Cards for my credit card, I was assessed as being two days late on my credit card payment XX/XX/XXXX. I have been charged {$27.00} for a late fee. I requested a waiver of the late fee, which Citi Cards has refused to grant. This seems highly unfair - other companies are willing to waive a late fee in situations where the customer has been consistent in making payments. I would like Citi Cards to waive the fee.
I logged into my account with ADP to get my old employer XXXX  printout and found jobs in my name which I had not worked. This is the second year this information has shown up. I called the company last year ( XX/XX/2018 ) when this first happen and apparently they did nothing. Now I am finding out this person who has been working using my name, and social security number is also using my health insurance to see a doctor as well as for prescriptions. I spoke to both the pharmacy and the Dr. office ( I was told she is XXXX  ) but I'm not sure what is being done to fix the situation.

I am going to try to get a copy of my credit report to see if there is anything else this person may have done using my name/ss #.

I have never lived in XXXX  and yet all these jobs are in XXXX.
I had a mortgage loan with Ocwen that is still showing on my Credit reports 3 years after the Is till statue of limatation has passed I would like it to be removed it was 1st reported XXXX XXXX and the XXXX drop off date was XXXX XXXX NOTHING IN THE BOTTOM WAS RELATED TO SO I CHECKED MAKING PAYMENTS
There are several companies involved in my dispute : XXXX XXXX XXXX ( which turned out to be a scam ), XXXX, XXXX, and now XXXX. A very long story short : I was enrolled in the Public Service Loan Forgiveness program ( so I thought ), and was misled by the first three companies who told me that all of the payments I was making ( including in the Standard Plan were part of the necessary qualifying plan. XXXX claims they will only count 11 payments I have made toward the program instead of the 5 years worth that should be counted. It even states directly on the XXXX   website that the Standard plan is a qualifying plan for PSLF.
I contacted Bank of America at XXXX at XXXX XXXX spoke with a customer service representative named XXXX from West Virginia location, and escalated the phone call at XXXX pm EST with a customer service advocate supervisor named XXXX also based in West Virginia. The conversation was regarding my secured credit card recently becoming unsecure. I was told I would not be available to convert my existing credit card to a rewards card. Bank member since XXXX, accounts paid in full every month. I think its unethical with my payment and banking history that I am not eligible for a product change at this time.
On XX/XX/XXXX I paid the first payment of my new mortgage on line. I then set up for auto pay and they immediately deducted the second payment on XX/XX/XXXX. When I realized what had happened I called Roundpoint Mortgage Services Corp. on Monday XX/XX/XXXX and spoke to someone in customer service who said that the credit will be applied to my account in a day or two. Today, XX/XX/XXXX I called and was told that it had to be processed and a check would be sent out on XX/XX/XXXX. I explained that this would not be sufficient as I had already waited several days. I was put on hold twice for 20 minutes waiting for a manager that never appeared so I finally hung up. I called back again and got another story and the check is still not going out and I will still have to wait for it. I again was put on hold for a manager. After 15 minutes I was told a manager would call me back. customer service is in the Philippines.
I submitted a dispute on XX/XX/2017 with Transunion through XXXX XXXX. My dispute is over the validation/verification of my Bankruptcy. Since it has been over 30 days I want the Bankruptcy # XXXX removed because Transunion has not provided proof of validation of the Bankruptcy # XXXX.
The collection has been paid in full. I was sent a " settlement notice '' via mail and paid it in full. On my credit report it reflects open and also with an incorrect ( the original collection amount. )
Nationstar Mortgage LLC is still listed on my credit report even though it is past the FCRA retention time associated with the account. There is also a past due amount of {$19000.00} listed although the account was sold. There is a collection agency XXXX XXXX XXXX XXXX reporting the same exact amount.
I am a victim of identity theft. The following collection account and hard inquiries listed on my Experian and XXXX credit report are fraudulent, unauthorized, not mine, and dont belong to me : XXXX XXXX XXXX XXXX XX/XX/2018and XXXX XX/XX/2018. I filed a police report with the XXXX  County Sheriff s Office in regards to the fraudulent collection account and 2 hard inquiries. The police report case number is : XXXX. I been receiving harassing and threatening phone calls of profane language, threats of arrest and prison. XXXX XXXX is in total violation of The Fair Debt Collection Practices Act ( DCPA ).
Transunion had a glitch in their system that violated the rights of consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that ALL inquiries be removed.
On two separate occasions greentree/ditech has charged late fees for checks I mailed for payments on a mortgage. The checks were mailed in envelopes provided by the mortgage company ( ies ) and included the company invoice. The checks were not credited until welll over two weeks after they were mailed. This is certainly frustrating since other payments to other mortgage companies mailed at the same time were credited within a few days. Ditech must need to update their processing as they ca n't possibly be holding these checks without reason. 

Addtionally, they sent out a very confusing escrow account summary which is difficult to understand. The escrow payment now being charged is almost equal to the principal payment. Upon being questioned, they told me I would have to wait a year for a new reconciliation. This one I have does not explain the need for additional payment.
My husband and I were victims of a loan modification scam in XX/XX/XXXX that caused us to become behind on our mortgage payments. When XXXX was made aware of this by the FBI and Civil Rights Authorities they agreed to give us an Uncontrollable Right Off stating that we did not have to pay any more mortgage payments as long as we stayed in our house but must get insurance on it and pay the property taxes each year.We did this and heard nothing from anyone and we have not receive a mortgage statement scene XX/XX/XXXX. Then XX/XX/XXXX we receive a foreclose notice from FCI Lender Services. We stopped the foreclosure by filling Chapter XXXX that was dismissed due to my husband being laid from his job. FCI Lender Services have been does not communicate with us and has again sent us a foreclosure notice postmarked on XXXX/XXXX/XXXX for XXXX/XXXX/XXXX. we believe that we are being scam again. We talked to Legal Aid and was told to hired a restate layer but we can not afford one. Our house is currently under a short sale contract and FCI Lenders have still filled for foreclosure again. They did not even give us a thirty day notice.
The XX/XX/XXXX XXXX credit report about my credit states that I opened a capitol one card on XX/XX/XXXX. I did n't. My then husband, XXXX XXXX, opened this fraudulently. I learned of this in XX/XX/XXXX when I filled for divorce. I ended up getting a civil judgement against XXXX XXXX for that outstanding debt. I paid the capitol one debt in XX/XX/XXXX that had been sold to a debt collector, attorney XXXX XXXX XXXX. However, capitol one refuses to remove this from my credit report, showing this account as a charge off which is untrue. Capitol sold this outstanding debt to a debt collector. By the time I had thecivil matter settled in the courts, capitol one refused to allow me to pay the debt. Capitol one referred me  to the debt collector to resolve the matter, which I did. I need help correcting the credit report to reflect what actually happened.
We are in the process of short selling our home and have filed a complaint regarding Roundpoint Mortgage 's lack of assistance during the process. This complaint is regarding the excessive amount of time it is taking Roundpoint Mortgage to update the short sale approval date extension. We sent an addendum to them on XXXX XXXX, XXXX, as you can see in the attachments and still have not received a response back from them as of today 's date, XXXX XXXX, XXXX. We have made several other attempts to contact them via phone calls/voice mails and through email, as you can see from the attachments and yet the closing date still has not be approved nor have they responded to us with any status change. During XXXX phone conversation, my husband was told by a Roundpoint representative that they were unable to open the PDF document we sent them with the addendum reflecting the closing date. No one at Roundpoint responded to our request for confirmation of receipt of the addendum so my husband spent an hour on the phone trying to get a representative to confirm the receipt only to be told they were unable verify the file could be opened for a minimum of 48 hours. After pleading with the service rep, XXXX, she did provide her personal e-mail and confirmed the file could be successfully opened. The short sale has been approved once, but at this pace, the extension that we requested is going to need to extended due Roundpoint 's lack of urgency and lack of action we are enduring. 
Please help! This is a simple approval extension.
I did log in to my PayPal account to transfet my money to my bank account but my money were locked and I do not have access to a few thousand dollars in my account anymore.
I rented a car from a XXXX at XXXX that put a hold on my card that was equal to over 5X the cost of my rental. I was informed that when the car was returned that the hold would be released immediately. When I returned the car I verified with the merchant that they had released the hold and I had a conference call with the credit card company so that they could verify directly with the merchant via the transaction ID that the charge was not valid and that they could release the hold however the credit card company refused to do so. The credit card company was AT & T Universal Card and I have been a card holder with them for 20 years and they refused to even issue a pending credit back to my card to allow me to rent another car which was needed for a trip out of town despite verifying directly with the merchant that the charge that was in their system was not valid. I consider it fraud to hold a credit on an account that is not valid and can be proved not just via paper receipt but directly via merchant.
We had a line of credit with XXXX XXXX XXXX. We made interest only payments for years and never had a problem until they changed the terms and started to charge us for both interest and principle. We were in loan modification with them when they sold the loan to CALIBER HOME LOANS XXXX/XXXX/XXXX. At that time, Caliber billed us for fees that XXXX XXXX XXXX had put on hold while we were loan modification. The fees that Caliber said we owed were more than what XXXX had said. 
We had been making the regular payments monthly to Caliber, and we were objecting to the figures that they said we owed for fees. 
On XXXX/XXXX/XXXX, my husband spoke to XXXX, Teller #  XXXX and XXXX, Teller # XXXX, who provided him with the figures that were owed. I agreed, and sent the full amount of {$4900.00} on XXXX/XXXX/XXXX. On the check we wrote " interest only to bring acct. current ''. We assumed that our account would be free of any other fees and charges except for the normal principle and interest that we have been and will continue to pay monthly until the loan is fully paid. They continue to add fees to our monthly bill, now saying we owe {$4000.00} in past due amounts, and {$3800.00} for unpaid advances/fees totalling {$8800.00}. 
We have called multiple times questioning what these charges are for, since we paid what we were told, and we have n't missed a monthly payment. We have sent letters on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX all explaining our position and requesting a breakdown of what they say is owed. We are angry and confused, because we thought we were paid in full. 
Note : an exact LOC with XXXX on another of our properties was in the exact situation, and sold to XXXX XXXX, we never had to pay any additional fees, and a third LOC has stayed with XXXX, and we never had to pay any other fees either. 

Please help us. We have paid all interest and principle on this loan, and we are not willing to pay {$8800.00} additional. 
NOte : This LOC started at $ XXXX, balance now is {$81000.00}. Current value of home is approx $ XXXX. It is a rental house, currently rented to a year round tenant.
This company continues to make negative impact and violate both FDRA law and FCRA law while not and refusing to remove debt having zero to do with me or agree to validate supposed debt.
There were fraudulent accounts on my Equifax credit report and I asked Equifax to remove these accounts and they failed to do so.
I have send multiple dispute letters to Transunion in XXXX and XXXX and I have not received anything from them to this day. I sent the letters certified and have copies of the return receipts
Because I can now afford to do so and with the belief insurance of any kind should only be used in a catastrophe, I believe selecting the highest deductible possible makes the best economic sense. I recently increased my deductible for my rental property to the maximum XXXX insurance offers to {$10000.00}. Soon thereafter Chase, the mortgage holder informed me, and I quote " your insurance deductible is higher than the maximum we are allowed to accept ''. Please see attached letter from Chase. I called to Chase to inquire about this and after several minutes and switching from many departments, Chase said the letter is only a " suggestion '' and I will continue to get these letters.

1. The wording is misleading in that I felt I was required to lower my deductible, which is untrue.

2. I do not want to keep getting these letters. 
This is a misleading and unfair business practice.
I had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX XXXX XXXX XXXX XXXX XXXX  had REPORTED to CHEXSYSTEMS and to the credit companys. 

As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX  XXXX XXXX  or XXXX I have been with XXXX XXXX since XX/XX/2004 and my home mortgage is also through them and I continued to stay with them. 

I had contacted XXXX  XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. 

I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. 

I am XXXX XXXX XXXX Employee ( XXXX ) for XXXX as a XXXX XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX XXXX XXXX and also XXXX to please remove me off their ChexSystems and also notify Chexsystems that this is an error on their end.
I have been receiving multiple phone calls along with my husband and phone calls going to his place of work, messages left of a debt owed to please have him XXXX for a important matter.. a debt owed then they sent a man to our home on memorial day to serve papers to our home gave them to our daughter who is XXXX pounding on the door she said she went answered it finally to a man older gentlemen XXXX XXXX XXXX, he shoved papers in her face and said give these to your parents make sure they get them and was shoving them in her face, now all she had told this man was no I am not the person your looking for i'm related a daughter but gave no proof etc. then he goes shoveing these papers in her face not just two months after she was just assaulted by a gentlemen which also freaked her out not acceptable at all so we get served a summons to appear in court on XX/XX/XXXX at XXXXXXXX XXXX in court for a DEBT that is in a BANKRUPTCY and been charged off back in XX/XX/XXXX in which the XXXX has already been made aware of this and told to please stop calling me and my husband leave us alone stop harassing us yet now they try to sue us.
I have repeatedly made privacy elections and limited the types of solicitations my mortgage company, Mr Cooper, sends me. I have even submitted a complaint to CFPB about it. Mr. Cooper always does the same thing. They lie and claim " our system isn't showing you've opted-out of these communications '' - I opt-out and they say they've updated their records. Then a few months go by and again they start sending me solicitations and refinance offers. They do this by mail, and every single time I log into the website to make a mortgage payment. Screenshots of both are attached. These are predatory lending tactics. I am current on my loan. I have a good rate and an affordable monthly payment. However, since this isn't lucrative to the mortgage company they think it is appropriate to spam me with " offers to refi. '' If they are doing this to others, they may get people to refi their mortgages when there is really no need. They are preying on people, violating people 's privacy, and lying about honoring privacy opt-out requests.
I got a credit card from this company and after paying it for two years I lost my job making it hard to pay, now i want to pay this debt off with an agreed amount but this company keeps changing the amount and wont give me a statement as to the agreed amount and if they will remove this from my credit report ... 
please see attached letter
There is a hard inquiry on my credit report that I have not asked for-XXXX made on XX/XX/2015. It does not belong to me. Please investigate asap. Thanks in advance
I did NOT authorize these inquiries, these companies DID NOT have a permissable purpose, and I DID NOT sign any applications, I have also ADDED a fraud alert to my credit reports! 

XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018,  XXXX XXXX  XX/XX/2018, XXXX XXXX XXXX XX/XX/2018,  XXXX XX/XX/2018,
In XXXX 2016 I applied for a Home Mortgage at my Local Credit Union, my credit score exceeded the XXXX score but FHA would not even attempt the loan until a judgment ( which I had no knowledge ) was satisfied with Wells Fargo Bank, even though I disputed this judgment to speed up the process I decided to just pay it and move on. Through 3 days of phone calls including Wells Fargo 's Attorney whom filed this, and the court ( XXXX Judicial in XXXX Utah ) to figure out whom to pay, they both told me the only way to satisfy this judgment is to pay Wells Fargo, I went again to the phones and Wells Fargo would not take my money or even give me a name or number to contact, I with drew my offer on the home and basically gave up, I have a small farm, I have many animals counting on me, I also have a XXXX daughter living with me, so this home and property were very important to me. Last week, the First week in XXXX I decided to try again, by know our situation is pretty desperate, one can not find a small farm to lease or rent, its impossible. Again the Judgment showed on the credit report, I contacted all the same names and numbers from Wells Fargo Bank, Their Attorneys ( XXXX and XXXX in XXXX ) and the Court, I am back to where I was in XXXX. I finally walked into a local Wells Fargo XXXX in XXXX, Utah. XXXX XXXX was the banker I met with and she was very kind and helpful, she took a day or two working on my issue, called me back and was as frustrated as I was. She must have had some luck because within a couple days I got a call from Wells Fargo, they explained I was dealing with the highest level possible, the # was XXXX. They assigned me a Rep, XXXX XXXX. He explained it will take up to 10 business days and would not guaranty they would fix the problem, well after 5 days XXXX XXXX I lose my option on another small farm I put some earnest money on the first of XXXX. Even at the management level they were either unwilling or unable to help me, There are considerable mistakes, wrong address, basic math errors, and other issues with the Judgment, even after all that I was willing to pay it, Wells Fargo will not take my payment or dismiss this judgment or whatever, therefore they have hurt my chances at home buying twice, filed a judgment which has teared my credit apart, my emotional stress has been off the charts, and I am at my whits end of what to do, and they will offer no solutions, they should have been willing to help this along, it makes fairness stand on its end. I am hoping you folks can help me ASAP. Thank you so much, XXXX XXXX ( XXXX ) XXXX
I requested a copy of my credit report and noticed Well Fargo made arequest to view my credit report. I have never had any dealings withWells Fargo, nor have I requested any service with this bank that givesthem consent to access my credit report. I would like an explanation asto why they requested any information regarding my financial historyand want a complete transparent disclose as to who and why thisrequest was made by an associates within or any unauthorizedrequest by companies associated with them ( Wells Fargo ). 
I believe this request is illegal because I gave no such permission toWells Fargo to access my credit report.
My wallet was stolen around the same time this account was open. I have 2 collections in result of this.