WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2016 our home loan was sold to Specialized Loan Services, and in the 8 months they 've owned the loan SLS has twice claimed not to receive our monthly payment. They 've been difficult to work with when we attempt to resolve the matter. In our nearly 20 years of making monthly mortgage payments, by paper check and electronically, we 've never had one lost. Our credit rating is excellent. 

When SLS claimed our XX/XX/XXXX check had n't arrived in their XXXX processing center two weeks after we mailed it, we stopped payment on the check and paid to wire the funds. After several phone calls, they agreed to waive the late fee. Now the same thing has happened again. We mailed the XX/XX/XXXX check XX/XX/2016. This time, SLS acknowledged the barcode on their payment envelope was processed by the post office on XX/XX/2016, but insisted it had n't arrived at their processing center by XXXX. We wired the XX/XX/XXXX payment yesterday ; our credit union shows the funds have been delivered, but our account on the SLS site still shows the XX/XX/XXXX payment as unpaid. 

SLS admits pay envelopes are n't scanned into their processing center, so that there is no way for them to know whether a check that arrived in their mail room was lost on the way to Accounts Payable. Reaching a supervisor is made intentionally difficult, as they are generally not available in real time when the CSR ca n't solve a problem, and the supervisor call-back delay is claimed as 24 hours, but has been longer for us. Even when promise of a late-fee waiver is made by a supervisor, the company forbids confirming that promise by email or any other trackable means, and you have to follow up with them by phone repeatedly. In addition, the SLS website has very long load times, which may be intended to discourage customers from pursuing complaints. 

Given the poor service and lost checks, we now do n't know whether to trust SLS 's claim that increased escrow requirements are the actual reason for the increase to our monthly payment. As soon as our loan was sold to SLS, the monthly payment increased XXXX %, with " escrow deficit '' given as the reason. 

Our excellent credit ratings stem from years of paying bills on time. We have paid several different mortgage lenders by mail and electronically over the past 18 years, and have never had a problem with payments being received and acknowledged until SLS purchased our loan. 

SLS shows no accountability. We do not trust SLS with access to our bank account through Bill Pay. We therefore feel stuck waiting for SLS to receive every month, forcing us to wire the funds every couple of months and check the account online daily to ensure funds are received and recorded.
I had a payment schedule set up with checksmart. They kept presenting my check to the bank. Cost me numerous fees and now my account is overdrawn significantly. Called corporate office of checksmart. Reps were demanding, condescending and rude.
I was contacted by XXXX and XXXX of XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX in XXXX XXXX, Ca. XXXX -- Ph # XXXX. In XXXX 2017 XXXX, the assistant to loan officer XXXX requested a credit report in order to verify a possible interest rate deduction. When asked if the report would be a 'hard ' pull, he responded in the negative. After a couple weeks of back and forth on mortgage 'replacement ' offers they proposed, it became evident that the loan I already have is most appropriate for me, not needing to pull any additional equity money out to pay any bills -- I have none that recur other than current mortgage.
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During our communication XXXX stated that the credit report request would not affect my credit score as they are to replace an existing mortgage. It is important to me not to have a negative effect on credit score because once retired, one 's income is lower, making it harder to qualify for another home or other big ticket item.
However, when I received my credit report from Experian, it now shows not one, but XXXX HARD Pulls from their organization. I believe they need to be requested to reverse what they have done, and to not do that to another prospective client. They have not responded to the email I sent requesting them to do so. Unfortunately, the credit bureaus will not perform this adjustment ; it must be done by the potential creditor.
FILED BY XXXX : I applied for a modification with SPS and they have informed me that they were going to pursuit the foreclosure while going through a modification ....
On or about XXXX XXXX, XXXX, I learned that XXXX XXXX XXXX erroneously reported to XXXX and Transunion credit reporting agencies that my car loan was at least 30 days delinquent in XXXX XXXX. I called XXXX XXXX XXXX to inquire about the claims. The customer service representative did not show that my account had ever been 30 days delinquent since the inception of the loan. The representative further suggested that I dispute the reported information in my affected credit report files. Shortly thereafter, I disputed the claims with both credit agencies. Around 30 days later, I learned that the reports were not changed, but simply updated. My car loan payments are due on the XXXX of every month. I plan to upload my payment history from XXXX XXXX XXXX that proves that my XXXX XXXX payment was not 30 days late. In fact, the XXXX XXXX payment was made on XXXX XXXX, XXXX, according to the financing company website.
The City of XXXX, Tax Collector ( XXXX XXXX ) sent us a letter dated XX/XX/2018 placing a lien for {$1100.00} on our property at XXXX XXXX XXXX for cleanup costs on our property. On XX/XX/2018 we appeared in court to dispute this charge and the charge was dismissed. We were told by the court to take the " Disposition of Summons '' paperwork to the Tax Collector to have the lien of {$1100.00} released. Our attempts to resolve this matter with the City of XXXX has been unsuccessful. We refused to pay this balance as the court dismissed the charge. As we continued to pursue this issue with the City of XXXX the charges remained unpaid. On XX/XX/2018 we received a letter from Wells Fargo advising us they paid past-due real estate taxes on property. We asked Wells Fargo to provide us with documentation for this additional payment on our behalf. Wells Fargo contacted the City of XXXX and were incorrectly advised this payment represented the removal of a tax exemption on our property for the same value of the lien for {$1100.00}. When we determined this payment represented the same charges dismissed by the court we asked Wells Fargo to reverse this payment to the City of XXXX. Although Wells Fargo has been unable to substantiate these charges after 3 months of research, they have refused to reverse this payment to the City of XXXX and expect us to reimburse Wells Fargo. Please help us to resolve this issue. Initially, Wells Fargo incorrectly included this additional payment in our escrow calculation for the upcoming year. We have spoken with multiple people at Wells Fargo and the City of XXXX but have been unable to resolve it. Hopefully, CFPB will be able to assist us before we seek legal recourse. 
Thanks, XXXX XXXX XXXX XXXX
The private loans I have through XXXX XXXX were switched to Navient. Navient is not very nice when it comes to loan repayment. After taxes, I bring home XXXX monthly. They have me on a payment plan paying {$250.00} a month. I am a single mother with XXXX dependents. I do n't find this to be affordable. They also try to dictate what type of lifestyle you should live and will only give you a payment plan if you fall within those guidelines. For instance, I got into a car accident and had to get another vehicle. Well I got an SUV, they denied giving me a repayment plan because the vehicle I was paying for monthly was not what I should be driving. The lady told me they only allow a vehicle to be XXXX or less when on repayment plans, absurd. I 'm so afraid to purchase a home because I 'm afraid of not being able to apply for this repayment plan again and be forced to pay $ XXXX monthly. They are n't considerate and I 'd like to know what I can do about this.
Also, many where part of the lawsuit with Navient that caused their loans to be deleted. If I happened to be part of that group would they delete my loans even though I 'm in repayment on a repayment plan?
On XXXX XXXX, 2015 I made my mortgage payment and got a confirmation number. Later, RCS informed by letter that I was late. When I called the company, they found that a number was missing. After talking to several people, I was informed there will be a XXXX dollar late fee, plus XXXX dollar to pay by phone. I do not believe I should have received a late charge since the company could see that a number was missing, I had payed on time and never was late. I received a confirmation number. I feel cheated, and helpless because there is no effective remedy to complain about this horrible mortgage company that is allowed to continue its abusive business practices.
CONSUMER FINANCIAL PROTECTION BUREAUCEOCHAIRMAN of the BOARDPRESIDENTDirector of Macy 's XXXX. 



CITIBANK EXECUTIVE OFFICESOFFICE of the presidentFrom XXXX and XXXX XXXX XXXX XXXX MD XXXXPlease limit response contact to XXXX or by mail to the above address. Limit calls to XXXX from Monday thru Friday from XXXX to XXXX not contact anyone else regarding these claimsThis pertains to the following Citibank XXXX Citibank/MACYS XXXX accounts ( XXXX ) Home Depot XXXX ( XXXX ) Shell XXXX ( XXXX ) Exxon XXXX ( XXXX ) Macys XXXX ( XXXX ) Macys XXXX ( XXXX ) Macys XXXX XXXX we have been going back and forth with Citibank regarding these accounts. I realize that the XXXX XXXX were charged off and probably the MACYS accounts also. However, in XXXX we were dropped from the XXXX program because we were making our plan payments our self We were eventually reinstated until last XXXX. However, we have been in contact with Citibank and macys regarding the above accounts directly and thru CFPB. We have been asking Citibank and Macys to Provide the following information so we could make payments on the above accounts to Citibank and Macys.However, the only information they have provided were copies of our statements. We did not need all of the statements on each account only statements from XXXX have been requesting the following information. We had contacted Macys and Citibank and asked them to bring our accounts current and waive the late fees so we could make our regular monthly payments, they did waive some late fees but did not reduce the past due amount. The interest rate on the above accounts tripled in XXXX after we were dropped from the XXXX program. 

We still need the following information on the above accounts ( XXXX ) Payment history from XXXX thru present. Please include statements and XXXX payments. I tried getting the information from XXXX but Citibank had made so many adjustments to the accounts thru XXXX that the payment history from XXXX could not be brought up.Infomation is needed to verify the actual current amount due on the above accounts. 
( XXXX XXXX Late fees assessed from XXXX on ( XXXX ) Verification of the correct account numbers XXXX XXXX XXXX Verification of the correct mailing address for each account. We have requested this before but have gotten different addresses from different departments ( XXXX XXXX An offer from Citibank on all of the above accounts to pay off the accounts ( XXXX ) I have previously indicated to Citibank that we will payoff the accounts by paying them correctly and not thru any third party. 

WE HAVE FILED COMPLAINTS THRU CFPB before but we have never received the specific information we have been requesting. Al we received from Citibank were copies of statements on each account.They did not provide a payment history on the above accounts after statents stopped. 
Statements for Home depot, Shell and Exxon have not been issued since XXXX/XX/XX/XXXXStatements on the Macy 's accounts have not been issued since XXXX. 

So for these reasons copies of statements by themselves have not provided us with the above information we are requesting to enable us to pay off our accounts. 

Thank You! XXXX and XXXX XXXX.
IN XX/XX/2016 I STARTED RECEIVING CALLS & NOTICES REGARDING AN UNPAID BALANCE FOR XXXX XXXX. I DISPUTED THE ACCOUNT & THOUGHT IT WAS TAKEN CARE OF. HOWEVER, THE ACCOUNT WAS CHARGED OFF & SOLD TO MIDLAND CREDIT MANAGEMENT. I THEN DISPUTED IT WITH THEM WITH NO SUCCESS. THE ACCOUNT APPEARS TO BE FOR MEDICAL TRANSACTIONS WHERE I WAS NOT THE PATIENT
I received treat the local hospital emergency room XX/XX/2017. The visit was included in my bankruptcy which was discharged XX/XX/2018. I informed the agency the hospital was included in the bankruptcy and sent a copy of this discharge and list of creditors XX/XX/2018. They never followed up, but to continued to send collections letters. Requested that they validate the account and was sent list of treatment received instead. Now my account has been sold to Wakefield and Associates.
The company is Wells Fargo Dealer Services n it was a auto loan on a XXXX XXXX XXXX. On XX/XX/XXXX it was totalled out in an accident n my insurance company paid off the vehicle ( XXXX XXXX XXXX ) I had gap insurance just in case n they would cover any balance if needed. We recently in last year find out that Wells Fargo is saying there is a balance of XXXX n won't describe to use what the balance is but they are reporting to credit bureaus that the balance is XXXX dollars n they refuse to include manager of collection department, to correct balance. Me n my wife, XXXX XXXX XXXX both have disputed this n spoke to wells Fargo on several occasions n they say they will not correct nothing no matter what, they don't care, per quote! My wife discovered that Wells Fargo never followed through with a form they n only they have and send it to the gap insurance so they could pay off the balance on vehicle on XX/XX/XXXX. So my wife contacted the dealer got form n got it sent to gap n they paid off what they owed on XX/XX/XXXX And know they still want more money for late fees, ( which is there fault to begin with ) and won't update credit report. Even with XXXX XXXX treating to sue because of the fair credit reporting act. They still refused to update all credit bureau 's on me n my wife. They our breaking the law n for 2 years plus made me n my wife look like we don't pay our auto loan. I would like this be known n want Wells Fargo to update bureau 's all 3 on me n wife n show XXXX  balance paid in full as off XX/XX/XXXX And stop XXXX honest people over. Thank you. Please help I'm ready to sue the XXXX out of them.
Someone called at XXXX saying there was a problem with her debit card.called from a wireless phone # XXXX.
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXto enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
I do not have a escrow account with my condominium home loan and never did.. 

Over the years, the bank creates an escrow account with false charges such as for fire insurance. Then they pay the false escrow charge from my monthly loan payment and claim that I did not pay my payment, proceeding to ruin my credit. That forces me to make extra loan payments. I have always have made my monthly loan payments plus two that I had paid, cashed by their bank, but never credited to my account. 

I contacted an attorney who said the legal cost to sue would exceed the amount of the two not credited loan payments I made, about {$1700.00}. The attorney said to go to small claims court, but the SC court said that the Bank who has been cheating me does not do business in my home state. 

I have contacted the bank many times and have sent them proof that my HOA pays all required insurance for my loan. I requested a complete record of my payment record but they sent unreadable records which shows that the know that they are cheating me and maybe hundreds of their other customers. Please help, this is the third time I am being cheated. Attached are the current documents. 

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XXXX XXXX XXXX XXXX shows with TransUnion I have a balance of XXXX, however this has been paid in full.
On  XXXX   XXXX , I discovered  XXXX   (   XXXX   )  was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.
I did a modification with Nationstar Mtg. in 2013. In my modification is was unclear that they were adding a XXXX trust deed for the arrears. This has created a financial hardship for me due to the loan limit restrictions for XXXX XXXX. The subordinated note provided to me states that this loan is due in XXXX. It was completely unknown to me that this was a balloon payment. On this document they failed to indicate that there is a balloon payment feature. When I spoke with them I was under the impression that this amount was being forgiven not added as a second with a balloon payment. They contacted me several times on different occasions to sign documents and sent out a notary public each time. When I asked what they were for, I was told that is was to finalize my modification, no mention of a second. After sending XXXX different people out Nationstar Mtg. approached me a 5th time and offered me {$1000.00} to sign the docs. As I was going through financial hardship I accepted the money and signed the docs and was mislead as to the actual terms, as I thought this was to modify my original note not to add a second note. Because of the FHA loan limits I am unable to refi. I would like to know If this amount can be forgiven as I was initially lead to believe it would be. It is my request that this amount be forgiven due to misrepresentation.
On XXXX XXXX, 2016 I contracted with Walmart stores of XXXX XXXX. Florida to transfer {$270.00} to my son XXXX XXXX. I paid turned over to Walmart {$280.00} which include the transfer funds and a transfer fee ( consideration ). Upon presenting the assigned tracking number and a Florida State drivers license, my son was denied the distributions of the promnised funds for no apparent reason except Walmart 's exercise of it 's assumed right to decide which contracts to honor and which ones to ignore possibly at the detrament of the designated receiver of the funds. The funds and contract fee were returned to me by Walmart the following day ( see attached ).
AD ASTRA RECOVERY SERVICES HAVE ON MY CREDIT REPORT THAT I OWE THIS DEBT I SEND THEM VALIDATION LETTER CERTIFIED FOR THEM TO SEND ME THE INFORMATION ALL THEY SEND ME WAS SOME PRINTED PAPER THEY DID NOT SEND ME A LIST OF ITEMS THAT I REQUEST FOR VALIDATION
On both the Equifax and XXXX  Credit Reports there is a duplicate in the derogatory marks area. There is a {$910.00} debt to XXXX XXXX XXXX XXXX that is listed twice. I want the duplicate entry deleted. That would leave 4 derogatory accounts. However, when I tried to file a dispute with Equifax online I was unable to submit the complaint. First they ask for a 10 digit confirmation number that they never gave me. Then I tried to file the complaint and the website would not accept it. Same thing with XXXX. They do not allow people to file disputes.
On Monday XX/XX/2018 XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I received a call from XXXX XXXX at my job phone number they keep calling me and pranking my job number and my cell phone number I asked them to stop remove my number and if they needed to contact me to send me something in writing I have not received anything and they keep calling me
AES is being deceptive on their stance that they are not breaking the law while maintaining that they're not harassing me when they make daily phone calls because an account is delinquent. 

Pennsylvania Fair Debt Collection Practices Act 2270.4. Unfair or  deceptive acts or practices. ... ( 4 ) A creditor may not engage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with the collection of a debt. 

*indicates that an event or similar event in nature has occurred ( i ) The use or threat of use of violence or other criminal means to harm the physical person, reputation or property of any person. 

* ( ii ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

( iii ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( a ) ( 3 ) of the Fair Credit Reporting Act ( Public Law 91-508, 15 U.S.C. 1681 et seq. ).

* ( iv ) The advertisement for sale of any debt to coerce payment of the debt. 

* ( v ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. 

* ( vi ) Except as provided in paragraph ( 1 ), the placement of telephone calls without meaningful disclosure of the callers identity.
This debt is not mine. I explained this to XXXX XXXX and Midland Funding and now an attorney they got involved. This was due to fraud. I disputed this with them as well as the credit agency 's. I explained the fraud as well as asked for validation of the debt. It has been well over 3 months since I started disputing and no proof mailed in yet and this is still reporting on my credit.
PLEASE HELP ... HOW CAN I FIX THIS PROBLEM. 
I have contacted the Credit Reporting agency EXPERIAN several times about a disputed account that is still showing on my credit report negatively. The account was disputed and removed in late XXXX from my credit report. However, as of XX/XX/XXXX the same account is showing up on my credit report again as a negative account. I have requested to have removed and since been told it is an " ACCURATE '' account. I have asked to have proof provided that can validate that this account is mine and they say they have no such proof. 
Experian has stated they do not require any company that has reported derogatory information for a consumer account to provide any proof of the fact that the information being reported is correct, true, or justified. They take the reporting company 's word for the information being provided and its up to ME as the consumer to figure out how to fix the problem. The consumer credit report impacts not only my ability to get or obtain financial credit but also affects my lively hood in reference to obtaining a job, an apartment, car insurance, and even health insurance. Since EXPERIAN and other credit bureaus are reporting false and inaccurate information to my consumers credit file are they not held responsible to verify its accuracy and content. I have tried several ways to correct this information and dispute via online, email, fax, phone call to customer service and each time I get no resolution and the same in accurate information is being reported. HOW CAN I FIX THIS PROBLEM.