WillisBack/dataset-financial-user-claim huggingface dataset:
AmeriHome Mortgage failed to pay my homeowners insurance policy from my impound account funds. Upon contacting them, they stated XXXX had no record of me ever having an insurance policy. I contacted XXXX, and found in their notes that AmeriHome has never transferred the payee on the policy from the last Loan Servicer. XXXX has advised AmeriHome on 3 separate phone calls what they needed to do in order to get the policy information, yet AmeriHome failed to follow through and allowed the policy to lapse. AmeriHome also failed to notify me, I found out when XXXX raised my Auto Insurance due to the cancellation of the HomeOwners Policy.
Checked my credit and saw this collection agency. I have not received anything about a debt. Please provide certified confirmation of delivery. And please provide license to do business in Illinois XXXX XXXX XXXX. it 's against the law to report unfairly on one 's credit report. Please delete this account immediately.
I had a mortgage with XXXX XXXX (account XXXX) that was foreclosed.  The mortgage had been passed to several other sources including XXXX XXXX XXXX (account XXXX).  The first delinquency prior to charge off was prior to XX/2011.  But it has been passed around so many times that each company updates the date of last activity to when they got it.  These accounts are OUTSIDE FEDERAL OBSOLESCENCE. and need to be removed.  I have disputed them with the three credit bureaus and they have remained.
After several attempts to remove the following unauthorized inquiries, I'm now requesting your companys Method Of Verification in response to the company 's verified response. What physical documentation did you verify the following accounts/inquiries that says their mines. Inwhom did you speak with and when. What method of communication taken place. I'm asking that you/ your company 's remove this inquiries or give me physical documentation to support your claims. The unauthorized inquiries are as following, ( 1 ) XXXX XXXX  (XX/XX/XXXX ) ( 2 ) XXXX XXXX ( XX/XX/XXXX ) ( 3 ) XXXX XXXX  ( XX/XX/XXXX ) ( 4 ) XXXX XXXX (XX/XX/XXXX ) ( 5 ) XXXX XXXX  (XX/XX/XXXX) ( 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( 7 ) XXXX XXXX XXXX  ( XX/XX/XXXX) ( 8 ) XXXX  ( XX/XX/XXXX ) ( 9 ) XXXX XXXX (XX/XX/XXXX ) ( 10 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( 11 ) XXXX XXXX ( XX/XX/XXXX) And the following account, I'm also seeking the Method Of Verification for, ( 1 ) XXXX XXXX XXXX, {$0.00}
BY LAW SECTION 609 ( a ) ( 1 ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF OF AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. FURTHERMORE, UNIVERSITY OF XXXX can not provide proof that this is my account. I am asking that this account is COMPLETELY remove from my credit history. UNIVERSITY OF XXXXXXXX is not a business its SCHEME. Reporting information that is completely wrong. PLEASE Delete from my CREDIT HISTORY ASAP!
Around XXXX XXXX  or so i emailed this company asking for late payment forgiveness, i was XXXX  and going through XXXX XXXX for a few years on and off. a few days later i get a call from XXXX with Cap One who wanted more information about my XXXX. company is insensitive to the misfortunes that people go through, i was asked about a XXXX. I was not once asked about be being XXXX  or to verify but i was asked details about my XXXX. If the XXXX was of no importance, what is the need for the questions? Nothing else in that letter was asked to be verified. today i get a letter stating that they asked me for other payment options, XXXX of 2018 i was still XXXX, so if there was a letter sent it was never received since i was not stable. this company does whats best for the company not for the customer. I dont want the account reopened, i have a new account with you guys. Im aware of my horrible past with you guys and i am trying to make life right and this would be a big help, i never asked for all the late fees to be removed anything helps. thank you for supporting people of XXXX XXXX.
We purchased items from XXXX XXXX XXXX and took advantage of the offer of free financing for a period of years. This required us to get a branded XXXX XXXX XXXX credit card issued by XXXX XXXX. We immediately set up automatic bank drafts to make the required monthly payments. We even made the payments two weeks before the deadline. After the 1st payment was made, we received multiple phone calls from XXXX XXXX indicating we were late in payment. We ignored the first month 's phone calls thinking that they had made a mistake. We then made our 2nd required payment and despite that, received a new set of phone calls the next month. We then spoke with representatives at XXXX XXXX who advised that they had made a mistake and that our account was, in fact, current and up to date. They removed the interest fees and late charges that were incorrectly placed on our account at that time. A few months later, we started getting more calls about how we were late with payment again. Once again, we spoke with Synchrony 's customer service people and were told the messages were in error. 

In an attempt to stop this from happening again, we made two extra installments on the account so that even if their system did not reflect a payment from us ( despite us sending it to them at least a couple of days before it was due ), they would then apply one of those payments. Needless to say, that hasn't happened. 

Just last week, i received another notification from XXXX XXXX that our account is delinquent and that I owe all of these additional charges to include late fees and interest payments. I can provide you a record of all the payments that have been made to XXXX XXXX which will show how the bank has accepted all of these payments well before the payment deadline and in amounts greater than what was required. 

It is our opinion that Synchrony does not want us to pay the item off in the allotted time with no interest in that they will make much more money if the account is not paid on time. Clearly, there is fraudulent misrepresentations and intentional and material fraudulent accounting. Looking at other complaints on the Internet, this is clearly a pattern of fraudulent activity on behalf of Synchrony to illegally generate fraudulent fees and revenues from consumers who pay their bills on time.
On XX/XX/2018, I deposited {$520.00} in an ATM in XXXX, IL. The machine took the money and displayed on the screen " I'm sorry. Because of technical problems, I can't accept or return cash right now. '' I called the number on the receipt the machine printed and was told I'd have to wait up to 10 business days while the incident was investigated, which is ridiculously longer than the immediate credit that is given on the past numerous occasions when the machines would malfunction.

I call on the 11th business day and am then told that i have to wait 45 days until they figure out what's happening. In the meantime, I suppose checks and automatic deductions to my business account have to bounce, as they refuse to credit the account while they get around to looking into the incident.
Carrington Mortgage Services now hold XXXX of my mortgages sold to them by XXXX XXXX XXXX. Based on info at the below link I feel this is a no win situation for any consumer. 
XXXX Carrington Mortgage has seemed shady since I first began with them as a result of XXXX XXXX XXXX selling my mortgage to them. Their online pay system seems to have a great deal of troubles. I would attempt to sign in, it would not work, so I would go through the whole " get help signing in '' process, which would not recognize my security answers. I have had to call about this numerous times. They used to tell me I could pay by phone, to which I would reply that they charge a fee for that service and that I should not have to pay an extra fee because they ca n't seem to keep their online pay system working. One time when I complained that my security answers were not being recognized, customer service told me that that system is not working, and then proceeded to do it manually. I should n't have had to do it at all, and I certainly should n't have to do it numerous times over and over, month after month. '' " If you are considering a loan from Carrington Mortgage Services, DO N'T DO IT! I pay most of my bills online and their website is jacked up. It posted a payment, then rejected it without letting me know and then reported a late payment on my credit report. The mistake was totally on their end and they refuse to resend the late payment status. This is n't the first time that it has happened. If you call them with ANY question, be prepared to give your life 's history and be on the phone at least 20 minutes even though they verify you from your phone number. I plan to flood social media about this company and recommend that if your experiences have been anything like mine that you do the same. They are sketchy at best and I am furious! '' " Our loan was sold from XXXX to CMS about 2 years ago. It has been XXXX nightmare after another. I think it 's appalling XXXX has done this to so many people. The first month with CMS, we received a letter saying we had an escrow deficit. Just like so many others, we did NOT have a deficit. They wanted to raise our payment nearly $ 100/mo. After multiple complaints and a complaint to the XXXX, they decided to raise our payment half that much over 2 years instead of the full amount for 1 year. We felt there was nothing else we could do. We have been ripped off for nearly 2 years.?
On XXXX XXXX 2015 I reported my Rushcard lost/stolen. I was sent out a replacement card on XXXX 2015. I called back on XXXX XXXX 2015 to expedite the shipping of the replacement, the representative charged XXXX for expedited shipping and XXXX for the replacement. I received the expedited card on XXXX XXXX, 2015. This was the day that Rushcard notified me that they were processing upgrades to the system that would be between XXXX pst-XXXX pst. Until til this day XXXX XXXX, 2015 it has not been resolved. I have n't been able to contact customer service to resolve my first and second issue. I was able to view my transactions online on XXXX XXXX, 2015 my money was debited out of my account by XXXX XXXX transfer from the card I originally reported stolen. I did not authorize these transactions at all. The card was suppose to be blocked and inactive. I am without my payroll monies and facing eviction and utility disconnection. I contacted XXXX XXXX via XXXX and he asked any of the affected customers to direct message their personal information. ( i.e home phone number, address, and name ) I did so on XXXX XXXX. He stated someone would be in contact with me but no one has contacted me. Its been 18 days of hardship for me. Please help!
I paid off my student loan from XXXX but I am getting letters in the mail from a comany called Central Credit Services LLC. They are stating that I have not paid off my debt. But I have documentation that I have paid my debt in full. I believe they are a scam. 

Their contact information is Central Credit Services LLC XXXX MO XXXX Phone XXXX
On XX/XX/XXXX {$620.00} was taken out of my checking account by PNC, bank and transferred to another checking account that is owned by my father. I was given no notification that this money would be taken out of my account, and it was all the money that I had in my account. I have my car payment that is supposed to come out of my account today which I was unable to pay, and I couldn't even afford to put gas in my car to go work and had to call out. Allegedly, my father 's account is negative and he is a joint owner on my account, and that is why they took the money out of my account. My father has been XXXX since XX/XX/XXXX, and has had no cash flow going in or out of his account so I am unsure how a transaction could even be posted on his account to cause it to become negative. I do not have access to my fathers account, and would not have known it was negative. I was told a " XXXX '' charge came out of his account and I was advised to take the issue up with XXXX. However, my name is not on my father 's XXXX account so they will not talk with me and XXXX is not the company who has taken money out of my account, PNC is. When I questioned why I was not even given notification I was told, " we don't have to notify you, it's our right to set off the account. '' I am extremely displeased with this transaction and will be terminating services with PNC, bank as soon as humanly possible.
As of XXXX 2016 Navient charged off my private student loan yet they continue to report different past due amount to the credit bureaus as well as lie about what my monthly payment is. My monthly payment has never been {$440.00} but this is what they are reporting and they keep saying my last payments were different dates. To my understanding if you are going to charge-off an account then you can not keep updating the account status every month as past due with different information. Also I was in a payment plan XXXX of 2016 and made the first 3 payment but then got behind yet they are still attempting to take money out of that account which is not closed even though I do n't keep money in it and that is in the amount of {$250.00}??? every month. So how can they report my account being charged-off, and past due in different amount and still try to take money? I reported them before and all I got was a bunch of lies so hopefully this time will be different.
This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the   XXXX   day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro  XXXX  compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
XX/XX/XXXX XXXX XXXX XXXX, XXXX, Bank employee XXXX XXXX Stated that my savings account was closed preventing me from making a deposit into my savings account. XXXX XXXX XXXX, XXXX, Never answered the Certified letter sent and received by VP XXXX XXXX that was sent to him, due the meeting with myself and two witnesses which was present at the meeting thats willing to testify concerning XXXX XXXX XXXX, IL ; XXXX XXXX XXXX, Check # XXXX, XXXX, IL., Legitimate, Certified, XXXX, Act ; copies! XXXX ; Demand applies, my name is indicated by XXXX XXXX XXXX , XXXX, causing Fraud Upon the Courts/ Aid & Abetting! Coverup are a Crime!
This is fraud and I put the letter of the law in a certified letter to Debt collector and have been ignored and harassed for the debt, which is inaccurate and wrong to begin with, I would like debt removed and my credit score prefect.
I had told them to kindly supply me with any signature or financial account that ties me with the account and if they couldnt they should cease and desist from reporting the negative report they are reporting to all the credit Bureaus and this is being going on for a year and they havent changed anything I have made numerous calls and written several letters
First off I have never ever received any type of letters for my wage garnishment of 25 %. Also they took my entire tax return on XX/XX/XXXX and no one has any idea why I did not receive a letter 60 days before. The amount of my loans have not changed since XXXX. They have been garnishing my wages for the past year and then took my tax return. I am a single mother with XXXX kids. Tax time is the only time of the year that I am worry free for about a month. I work hard everyday. I did not think they were allowed to garnish my wages plus offset my entire tax return. This is just awful plus the balance is not dropping.
I have had a credit card with Wells Fargo for several years. When I first got the card, I had a 9 % interest rate. The company raised my interest rate to 17.4 % currently, antold me that it was due to a late payment. I went back thru several years of payments and never found documentation of them receiving a payment late. I complained to the better business bureau, and all that occurred was that Wells Fargo sent a document stating that I was paying the higher rate with no proof of late payment. The balance of my credit card has been quite high over the past couple of years due to my involvement in a civil law suit that has cost more than {$20000.00} in attorney 's fees. Subsequently, I have been charged an inordinate amount of interest on this account and I did not agree to such a rate, nor did I pay Wells Fargo late, thus justifying their increased charges. I have documentation of my timely payments over the past couple of years as well as copies of my complaint to the XXXX. My credit rating is over XXXX and there is no record of my paying my credit card late on my credit report either. Thank you, XXXX XXXX
I signed up for autopay on my Cabela 's Club credit card in XX/XX/2017. They have taken a payment every month since then, but have not credited my account for those payments. They then sold my account to a collection agency, again without applying the payments they withdrew from my account. I called them to ask what was going on after I started getting calls from the collection agency and after my credit had been further damaged by the appearance of non-payment. I supplied copies of bank statements proving all the payments and they credited me with one of the twelve. They have once again debited my bank account today, and apparently have not fixed their error.
All the amount of loans were not correct, when I was a student I was working two jobs, am sure did not take these amount of loans. They had been reported wrong and overcharging. I saw all in the news from 2005  there was a lawsuit against the loan server. Still, there were so many lawsuits all over the USA, against them, for misleading.
How can this medical bill show up on my credit report when I have been paying XXXX XXXX XXXX all along? This is not fair. this needs to be removed as I am in the process of purchasing a home and this showed up.
I paid " Current Balance '' on XX/XX/XXXX, which I assumed was the entire balance since I did not use this card at all for quite awhile. On XX/XX/XXXX I was charged {$27.00} in interest charges. Its very deceptive. As the consumer, I believed I was paying the entire amount. 

Chase, the credit card issuer replied with the following : Interest charges are listed separately on your monthly statement based on the type of transaction and the associated annual percentage rate ( APR ). 

You have different types of balances on your account. Each has its own APR. 

- Your purchases had an APR of 0 % variable good until XX/XX/XXXX, and the interest charged on that balance was {$0.00}. 
- Your promotional offer had an APR of 0.00 % variable good until XX/XX/XXXX and applies to the balance transfer, and the interest charged on that balance was {$27.00}.
On XX/XX/XXXX I ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$890.00}
I applied for a bank account with Chase and passed my credit check and got everything set up and 10 days later I get a letter from the fraud department saying my account had been closed due to unusual activity on my account! It gave me a XXXX number to call to resolve any outstanding issues. I called and no one could tell me why my account was closed just that The Executive Office had run an indepth check and something about a Chase or XXXX XXXX account in 2013. Also they told me they could close any account without reason they just did n't want to do business with me! Very rude. They told me to contact XXXX for a report and when the report came back there was nothing negative on the report that would stop me for getting a bank account. They had already submitted my direct deposit for my Social Security and due to them closing my account my check for XXXX is going to be late and it will result in my bills being paid late and affecting my credit score. No one told me they can deny you a checking account just because they can! But again the person that I talked to was very rude! This policy should be changed and everyone has the right to know why they were denied a checking account! Without being told that out of the blue we can deny you for any reason without telling you why!!!