WillisBack/dataset-financial-user-claim huggingface dataset:
I never received any notifications from Union Bank about needing proof of insurance on my mortgage. ( I verified that they have the correct email and text number, but I received nothing. ) They did have an incorrect mailing address ( which I could not have given them ), so maybe they sent something by postal mail that I never received. They proceeded to purchase hazard insurance, again without informing me, even after the fact. Then even though I have my mortgage premium on auto-pay and have never missed a payment, apparently I was getting behind and having late payments assessed because I was not paying them back for the hazard insurance I did n't know about. I ca n't believe it is legal for them to do all this without ever contacting me or calling me. I only even know it happened because they FINALLY called my home phone when they sent me to a collection agency. A simple call to that same number that they clearly have in their system would have prevented all of this.
My house was brought in XX/XX/XXXX and the loan was XXXX.Then it was refinance with XXXX XXXX XXXX XXXX on XX/XX/XXXX.Then the XXXX XXXX XXXX  sold my mortgage to XXXX XXXX XXXX XXXX   XXXX . My refinance amount was XXXX and I am currently paying XXXX for PMI.My outstanding principal balances per XX/XX/XXXX statement is XXXX .According to my initial amortization schedule if my loan amount is under XXXX, PMI can be automatically terminated. I was sending my request for PMI cancellation letter3 times to LOANCARE mortgage company. But they are denying my request stating that I am not under them for 2 years or I have to pay XXXX dollar or XXXX dollar for appraisal.
On numerous occasions I have calculated credit card balances that differ from what was calculated by US Bank. XXXX XXXX, 2017 my available credit was {$150.00} according to US Bank. A {$100.00} difference than what I calculated. Later same day, my credit purchase was declined. After phone balance inquiry, my balance was calculated {$80.00} shy of US Bank original calculations that morning, and no purchase had been made and none still pending. Another checking account I have with US Bank had been targeted and stolen from in the past. I have reported this bank to local police.
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that EXPERIAN was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
I XXXX XXXX XXXX state for the record that I am being discriminated against by the mortgage servicer of my mortgage Central Mortgage Company, whereas they have refused to acknowledge a full modification package submitted through a third party XXXX XXXX, XXXX. I have been harassed with threatening calls during the modification process directly from the mortgage servicer. No communication has been extended to any additional documentation necessary to complete my modification. I simply request a restart of the 120 day timeline where Central Mortgage Company must cease and desist on sending any threatening notices while the modification is being completed. The Fair Debt Collection Practices Act has been amended to give consumers rights during a modification process. My rights are being violated. I am a veteran XXXX. I demand a full review of my rights violations by Central Mortgage Company immediately.
I 've tried several times unsuccessfully to have some inquiries removed from my credit report as they are reporting inaccurately. I finally spoke with an agent who looked over my credit report and stated that these items would be removed due to them being reported inaccurately. I was told that my credit report would be updated in 24 hours with these inquiries removed. On today XXXX/XXXX/XXXX these incorrect items are still being reported inaccurately and I would like to have them removed as I was told they would be. 
They are as follows : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX Please remove these items ASAP as they are hurting my credit image and damaging my credit worthiness with potential creditors. Thanks in advance!
T D Bank on XX/XX/18 had my account one pending for {$280.00} the next is was {$260.00} I had a check payable to XXXX XXXX XXXX for {$280.00} there was a deposit of {$300.00} showing when I left the bank the next hour it was {$260.00} then my account was drafted for {$35.00} then I call then the lady was rude on the phone after I ask all the questions to verify the account. Then I ask to speak to a manager and she got upset and lock my account. Call back and the bank said my account was lock. I went to a Branch to get it unlock which was time I had to do for no reason. Sat there for over 30 minutes to wait to be unlock. My account should had never been  lock. T D Bank has bad service to the customers. I want my {$35.00} dollars back and I notice I pay some bills by Debit and it takes sometimes 5 to 6 days to clear.It makes no sense some one pays on a date and its 5 or 6 days later before the money is paid by T D Bank. I dont like how I  was done considering the payment was pending.
My mortgage was purchased by Shellpoint Mortgage Servicing in late 2016. My mortgage was set up with an escrow to handle tax payments. The first tax payment was due XXXX and that deadline was missed by Shellpoint. Note that the tax payment due was {$23000.00} and the amount held by Shellpoint already in Escrow is {$34000.00} so there is plenty of my money to pay the bill already deposited. Due to being late that tax payment due has increased to {$24000.00}. I have called Shellpoint several times ( dates may be 1-2 business days off ) XXXX, XXXX, XXXX, XXXX. I have been apologized to each time and they say things have been " escalated ''. I have been told it will be resolved in 7-10 days ( XXXX call ), check is scheduled to go out XXXX ( XXXX call ), and now no one knows what 's going on as none of these things have happened. I have asked to speak to a supervisor multiple times and was successful only once - with a gentleman named XXXX. He was professional on the call & promised to get it taken care of and said he would call me back the following day - the call back never occurred and I was just told by another customer service person my payment would not be going out today as the tax department is now closed for the day. XXXX has been unavailable to speak to me all day today when I 've asked. No other supervisor is available either when I ask. No one can answer if my tax bill will be paid and when, despite Shellpoint having over {$34000.00} of my money set aside for exactly that purpose. If not paid by XXXX there is another penalty raising the bill to {$25000.00}. I am now getting overdue payment notices to my home and also solicitors contacting me to give loans due to my overdue tax status.
XXXX, XXXX XXXX and Equifax are reporting a credit agency XXXX XXXX XXXX. on my credit report illegally, the is closed and is over 7 years old. Per the law negative and closed accounts only remain on a credit for 7 years. I have tried to dispute this item, but the item continues to be reported on my credit report and no explanation as to why.
I settled my debt wit h Navient th rough their collection agency named  XXXX   XXXX  with reference #  XXXX   XXXX  charged to my credit card.   i have been asking them for a letter form them showing my settelment with my account so i can send to credit reporting agency  XXXX  insted they report to agency on  XXXX   XXXX  that i still owe the full amount NOT true. my call was on Thursday  XXXX   XXXX .   i called   XXXX   and they told me  Navient sen t them falls report on  XXXX   XXXX  saying i still owe them full amount. as a result i am enable to clean my record and not able to continue my life back to normal . Navient is   NOT honest with me and damaging my credit. please help. i have all supporting documents showed i paid and settled my account.
RE : AFNI Account XXXX For the last couple of years, I have noticed an account being reported to the major credit reporting agencies, i.e. XXXX and XXXX, regarding an amount AFNI is collecting on for XXXX in the amount of {$1500.00}. 

I finished and fulfilled the terms of the original contract and discontinued service. Apparently XXXX renewed the contract anyway and then added early-termination fees. I have disputed this debt to AFNI multiple times, since the information they are reporting is not accurate, but AFNI does not appear to be taking any steps to investigate the dispute. I understand they are relying in part on information from their client, and they are in the business of debt collection and doing their job, but they do have an obligation to investigate and correct inaccurate credit information. 

I simply wish for ANFI to discontinue collection, send the debt back to its client with an explanation of my dispute, and request whatever information it reported to whichever credit bureaus it reported it to, to be removed.
We were sent forms for a short sale for loan # XXXX on XXXX XXXX, 2015. 
We got a realtor. The house was put on the market. We sent forms to Wells Fargo. 
Everything was going fine. The house was locked and foreclosed on. We received no notice. 
I spoke to Wells Fargo on the phone about the property at XXXX XXXX XXXX XXXX XXXX. We have XXXX loans with them. This XXXX was a line of credit. We were locked out of our home with no notice. I was told on the phone over and over that we were fine and in a short sale. The rep kept telling me it wasnt happening, the realtor said it was happening and took house off market. We were never notified. We followed all the steps we were told and they still took without notice. This was done unlawfully, we believe.
I previously have written to complain that  Wells Fargo  opened accounts without my consent. the company wrote me a letter with a contact person and phone. I called the person  XXXX  times and left messages but they never returned the call. I never received any sort of legal notice of the class action of which I should have been a party.
I have a delinquent account with Capital One Bank ending in : XXXX with an outstanding balance of {$1000.00}.
Coinbase locked me out of my account for more than a month and does not allow me to even close the account.

I opened Coinbase account on XX/XX/XXXX, and bought total of {$6000.00} bitcoin. Then in XX/XX/XXXX, Coinbase started requesting additional authentication by first requesting the photos of my driver license. I tried more than a dozen times over the next several weeks to do this with no success. Ive been locked out of my own account ever since.

Then it requested the XXXX   authentication, which still didnt work even if I again tried for many weeks at different times until now. My XXXX authentication works well everywhere else.

I have sent many complaining e-mails during the past month but received only what appeared to be a computer generated generic responses. Frustrated and suspicious, I have demanded that Coinbase simply close my account and return the balance but Coinbase wouldn't even allow this by saying that I need to log in and close the account myself. How can I do this when the very reason I want to close the account is the inability to log in? Please help me. Thank you!
Account Number : XXXX The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
My XXXX XXXX XXXX mortgage account has 30-Day delinquencies for XXXX and XXXX. My original mortgage servicer was XXXX and was bought out by XXXX XXXX XXXX in XXXX. Due to the recent XXXX settlement, XXXX XXXX XXXX was one of the lenders who were found guilty of extensive mortgage servicing misconduct and deceptive practices during the XXXX settlement. Therefore, my 30-Day delinquencies are a result of their misconduct. 
At this time, I ask that you remove the 30 day late payment immediately off of my account and credit report.
I don't think you can help me, but wanted this on record. Maybe it will help other victims. I've had several problems with my Citibank card getting hacked even though I rarely use the card ( it sits in a drawer as an " emergency '' card in case something happens to the card I use almost on a daily basis and never had issues with ). After not going online and looking at it for over six months, I noticed there was an unauthorized charge on the account for {$35.00} made in XXXX or XXXX. Citi has blocked my account, so I can't even access it now for the exact date. I called them in the beginning of XXXX when I logged on and told them it was a fraudulent charge. For six months, they kept charging me a late fee without notifying me. I never received a statement from them and didn't know about the charge until I went online to check my statement ( with plans on closing the card anyway ). They stated they would have someone contact me, but sent this charge to collections instead. Citibank needs to be investigated thoroughly. I don't have any problems with my other card that I use for online purchases, purchases in other countries while traveling and just daily use. The Citi card that sits in a drawer somehow has constant problems. I think someone inside the company is selling customer information. I have over XXXX credit, so this really won't affect me, but I know there are other people out there struggling because of the shady practices at Citi. Please help these poor victims who are suffering from the abuses of this criminal company. Thank you.
ive tride to get credits cards and my bank and ive tried to get a car at a dealership. both times it says i owe money. ive never had a credite card or anything to builed or ruin my credite
1. Tried to request an online refund within 10 days of a previous online refund. Website verbiage misleading, making customer believe that ( s ) he can call customer service to request a refund. 
2. Called citi government credit card services. Entered XXXX digit credit card number and last XXXX of SSN via touch-tone keypad to validate my identity. Once I forwarded to a customer service representative, required to provide XXXX credit card number and last XXXX of SSN verbally over the phone. ( a ) Inefficient - wastes customer 's time & ( b ) security concern - XXXX digit card number and last XXXX of SSN must be passed verbally over phone to customer service rep. I made this call from my workplace & co-workers to my left and right could have copied my information. Completely unsatisfactory. 
3. Customer feedback? Asked my customer service representative to take-down the XXXX concerns outlined above ( XXXX ). Customer service rep did not have a means to collect customer concerns. Asked for her supervisor. Supervisor did not know of a means to collect customer concerns. Sent back to customer service rep to " copy down '' my concerns. If a multi-billion dollar company does not have a means to collect customer comments, it is highly doubtful a customer concern will be heard by management, much less reviewed or implemented. Additionally, Government website does not provide a link to provide feedback : XXXX classic=2Found this online customer feedback link after a google search. Recommend providing a link on the government credit card online banking website to collect, review, and implement constructive customer feedback. 
This XXXX phone call and this survey only solidifies my 20-year loyalty to XXXX and XXXX. After today, I will be reticent to use citi for any of my banking or mortgage needs.
I have tried to dispute an employer listed on my credit reports and I 'm not able to do so
Dear Consumer Financial Protection Agency, I write to report the predatory Student Loan repayment practices of ACS/XXXX. 

My Federal Stafford Loan payment is due on the XX/XX/XXXX of each month. 

I made a XXXX payment ( nearly XXXX dollars more than the required monthly amount ) for XX/XX/XXXX at XXXX The {$150.00} payment was then scheduled for XX/XX/XXXX ( please see attachment ). 

However, ACS/XXXX did not process XXXX payment amount until XX/XX/XXXX, and charged me a {$5.00} dollar monthly late fee. 

This has happened several times with ACS, and is not only unacceptable but unlawful. 

When I called and asked for a credit for this monthly fee, I was informed that, although I had paid in advance, there was nothing ACS/XXXX could do, and they further indicated I will need to make my monthly payment even more days in advance to prevent them from egregiously charging me inexplicable fees. 

Please help. 

Respectfully, XXXX
I had a XXXX XXXX Costco card which I had set up on automatic bill pay and rarely used. Recently, I noticed my credit score had dropped significantly and saw that it was for a Citi account which I had never opened. I contacted Citi asking what the account was connected to and they told me that my XXXX XXXX account was transferred to them and my auto pay did not transfer creating multiple late payments and severely damaging my credit score. I had recently moved so Citi may not have properly forwarded the information to me but when speaking with them they said the would not remove the late payments from my credit report because it was not the banks error. I am extremely dismayed that a company is able to have such business practices and additionally angry at Costco for letting this happen to their customers.
I visited the XXXX XXXX in XXXX, WA on XX/XX/XXXX and purchase {$94.00} worth of groceries. During payment, there was a computer failure. I was assured that the charge did not process and the store ran my card a second time on another machine. A month later, when I received my credit card bill, I found that I had actually been charged twice for the groceries. I tried calling the store multiple times to resolve the issue and was unable to reach anyone. I attempt to file a dispute with Chase Bank via their website multiple times during the month of XX/XX/XXXX, but failed due to website errors. Multiple email requests for support were ignored. 

Finally, on XX/XX/XXXX I called and submitted a dispute request via phone. I received no written confirmation about the dispute so I called back two days later, on XX/XX/XXXX to confirm that the dispute had been filed. They had no record of the dispute so I went through and filed the dispute a second time while on the phone. Again, I received no written confirmation and no indication on my bill that my dispute had been filed. However, in subsequent phone calls on XX/XX/XXXX and XX/XX/XXXX, I confirmed the dispute existed and was told it was being investigated. After receiving no resolution to my dispute within the legally mandated XXXX billing cycles, I called again on XX/XX/XXXX to check on the status. I was told this time that there was no record of the dispute and that too much time had passed since the initial transaction for a dispute to be filed. When I mentioned again that I had filed the dispute initially on XX/XX/XXXX, the customer service representative suddenly changed his mind and decide to open yet another dispute for this charge. I have been assured that this matter will be resolved within 30 days. However, given the past failures of Chase to properly handle this case and their failure to meet their legal obligation to resolve the dispute within a timely manner, I feel it is necessary to escalate this issue to the CFPB.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : Chase account XXXX XXXX  To Whom It May Concern : I dispute the validity of Chase account XXXX. I request a investigation be opened for this account. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence? Thank you Sincerely,
I purchased money orders from agent on XX/XX/XXXX/2018, and mailed them. They were not received by payee. Presumed lost in mail. Not cashed. Sent all required documents to company, including receipt for purchase, research request forms, on XX/XX/XXXX /2018, along with {$60.00} processing fee, and 2 notarized affidavits. Attempted on several occasions to contact company by phone. All numbers went to useless phone menu. Finally found alternate number through reasearch, which connected me to rep in XXXX, who gave me a number. Same useless phone menu. Have made similar payments to same payee before, and have texts back and forth regarding missing money orders. I have fulfilled all company requirements for refund, but they simply will not provide it. I have been struggling with them for over 4 months. I need this money back desperately. Please help!
This company has reported to IRS and credit bureau that they lost {$4900.00} in the short sale and this is not true. I paid Greentree in the short sale and nothing was suppose to be reported as this was due to my spouse XXXX overseas and we had to sale the house. We were paying them as agreed. They also reported to IRS XXXX as debt lost and earn income of {$4900.00} which is not true. Greentree got the bulk of their money so no XXXX should have been reported to IRS. We went under the SCRA, relief act for XXXX XXXX military. We provided Greentree with XXXX to overseas. They went back on their word. Now this new company that has merge with Greentree has report incorrect information that is affecting my credit and my taxes for 2015. 

XXXX XXXX XXXX from Ditech responded to first compliant but did nothing to address the miss information that was reported. Please have her call or email me so I can get correct. Thanks
XXXX XXXX, XXXX I started looking over my credit report and noticed I had a lot of hard unauthorized inquiries on my report. So I called Equifax and no one wanted to help me. So on XXXX XXXX, XXXX I called again and got the same response that no one was able to help me and there wasnt anything that they could do about it. So on XXXX XXXX, XXXX I sent them certified letters with returned receipts and waited to hear something back. So in XXXX I called back and was able to place a fraud alert on my account. And I still was having unauthorized inquiries popping up on my report even with the fraud alert. No one is alerting me that someone is running my credit without my permission. I went get a police report and wrote more certified letters and still was told they couldnt do anything about it. I been sending letters and calling for 7 months now and still have yet to receive any help. Its now XXXX and Im still having the same problem. I keep sending letters and calling and no one is willing to help me. This is messing up my credit and stopping me from applying for a home loan because of this.
I have sent several dispute letters as this is not my debt. I have always had insurance to provide to any hospitalsbut this bill is not mines.
Also this is a party that is trying to collect a debt on confidential information concerning my health. I do not know how this company receive my info and also on a debt that is not mine.