WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from a debt collector whom i do n't have a contract with or never had any dealings with, I tried to call and clear up the matter on XX/XX/XXXX and was hung up on several times. On XX/XX/XXXX this was place on my credit report. This is not my debt and this should be removed from my credit report immediately.
45 days past and have not heard from equifax concerning inquiries i have certified mail receipt confirmation i have inquires i do not recognize and did not apply for i have asked for a signed contract with signature for these inquires and no response i called an rep name  XXXX  stated they do not remove inquiries Inquires below   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Hello, I am currently being garnished by XXXX and XXXX a law firm in XXXX, XXXX XXXX. The debt they are claiming that I owe is almost 70,000 to XXXX XXXX XXXX, however I received a debt forgiveness from Chase bank who was the original creditor in 2014. I've sent over my corresponding documents several times to both the marshal 's office as well as the law firm, they never get back to me or give me a straight answer. I live alone and desperately need some direction as to how to make this stop.
I am a victim of identity theft, and There is a fraudulent and unauthorized hard inquiry listed on my Trans Union credit report. The hard inquiry do n't belong to me. The hard inquiry is fraudulent and unauthorized.
On XX/XX/2018 all 3 Credit Bureaus reported a Vehicle loan on my credit report 60 days late ... ... dropped my credit score over 100 points ... .I explained to them that I have never been 60 days late on this account and that it was reporting incorrectly ... spoke with agents at all 3 bureaus on XX/XX/2018 to verify the dispute ... they claim that the creditor responded that it was reported correctly ... saying I was 31 days late and that it reports 31-60 days late on my report! I asked for debt validation ... I asked what is their method of reporting ... they said everything is done electronically which is against the law ... they should have physical documents ... I also asked for the person with first hand knowledge of my account that verified or validated this to the credit bureaus ... to no avail ... ..no response was given ... I asked for a supervisor ... I was put on hold for over 45 minutes ... ..never spoke to a supervisor at the credit bureaus or the creditor ... I want this late payment to XXXX  removed immediately ... .It is completely inaccurate and has damaged my personal credit tremendously! I was recently a victim of identity theft and am just starting to rebound ... now this happens! I asked them if they had a copy of the contract or payment history ... they claim that they did ... but the creditor already told me that everything is sent electronically so I know this can't be true!
XXXX  credit reporting agency removed an account off my credit report. The account is XXXX XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.
Contacted me on XXXX/XXXX/14 via and did not inform me that it was an attempt to collect a debt with threats to garnish my wage. I have been making payments on a monthly basis since XXXX 2014 to current in a timely manner and they have not reported payment history to credit agencies. I have been charged interest in addition to the original debt owed. Since the year started I have been weekly letter from the company as a reminder to make payment by the XXXX of the month and just made a payment the week prior. My monthly payments have been paid in a timely manner via online account through the debt collector.
XXXX XXXX XXXX in the amount of {$370.00} XX/XX/2018, which I believe to be a fraudulent account is showing up on my credit. I was never informed of this account before it illegally showed up on my credit report.
My personal information was stolen according to a letter from the IRS/XXXX. Because the IRS/XXXX had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
XXXX XXXX XXXX, President, CEO and Chairman BANK OF AMERICA AND XXXX XXXX XXXX XXXXFORECLOSED AND SOLD MY HOME WITH FABRICATED DEEDS. I AM REQUESTING INFORMATION ON THIS ILLEGAL SALE. 
Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
XXXX - REQUEST DOCUMENTS FOR VERIFICATION OF SALE WITH PURCHASE AMOUNT INCLUDES REGRISTRY OF DEED ON PROPERTY LISTED ABOVE
Due to my undoing battle with fraud on my name and social security number a fraud alert has been placed on my Transunion report, however a fraud alert does not stop one from gaining access and pulling my report, therefore inquires keep accumulating on my report and not for the things I applied for ... I have reached out to these companies as well as Transunion they told me contact Transunion, I have sent at lease 4 letters asking Transunion to verify 13 of the 18 inquiries on my credit report and they have failed to do the investigation and they are trying to play a game of sending me irrelevant replies saying this is to let you know how inquires are placed, or this is the answer to your question, I did not ask a question I sent a dispute clearly a stall tactic no investigation done and trying to not investigate my inquiries
I applied for a loan modification recently and was denied based on the fact that I had a prior modification from XXXX. In the modification from XXXX, our loan payment increased by XXXX along with our principal balance.
I have been charged fees over and over by bank of america, but their website and customer tools are not helpful to customers at all. There is always an inconvenience and extra steps to pay a bill or even make a deposit at their ATMS. The platform creates a problem where customers like myself are not able to perform transactions easily without accruing fees. I just spoke with the rudest representative that argued with me and then performed a customer mistreat and hung up the phone on me when I asked to speak with a manager. This behavior demonstrates Bank of America 's unwillingness to educate customers and provide accurate customer service. There phone prompts is designed to keep you from gaining access to talk with a representative. I had to call back and wait on hold a gain for more than 5 minutes due to the representative being rude and not wanting to provide his information for a follow up complaint.
Used XXXX to load money on my prepaid PayPower XXXX card but it was not added to my account. Have a confirmation receipt from XXXX, have the actual hard copy of the receipt that I have emailed XXXX times to the company and called close to a dozen times, spoke with several supervisors but yet over and over again they pass the buck and can not offer a resolution. It has been almost a month and still they have not credited my money.
I have contacted XXXX and Southwest Recovery Services at least 10 times over last 3 months. There are 2 collection accounts on my report that are clearly not mine. The Collection company does not even have my social security number or name in their system. They said it was a file merge that 's how the account showed up on my file. They have contacted XXXX over and over to verify this is not my account and XXXX refuses to remove this account in a timely manner.
Portfolio Recovery continually calls my home number. I have informed them repeatedly that the debt they are pursuing is not my debt. I have informed them that the last XXXX SSN # digits and the birthdate they have on record of the alleged debtor is not mine. I have a common surname and first name. I have given Portfolio Recovery express orders to not contact me yet they continue to do so. They will not answer query 's from me about who they are and why the still call my home number. I do n't know if Portfolio Recovery is even their legitimate business name. It is the name that displays on caller ID. They are rude and uncooperative. Thank you for your consideration in this matter.
In XXXX & XXXX XXXX I communicated with the original creditor. That creditor said the debt was null and void due to change of management in the apartment complex and misappropriation of money. I sent that email to all 3 credit bureaus. The debt was removed from 1 but re-added without notifying me. I would like this debt removed from all 3 reports.
I transferred {$60000.00} to Coinbase via same day wire transfer from my XXXX XXXX XXXX business account ( XXXX XXXX XXXX ; account # XXXX ) on XX/XX/2017 very early in the morning.
My bank approved the wire and it went through.
I received an email from Coinbase later after midnight central time stating that my wire transfer has been reversed to my bank due to a name mismatch. My bank account name did not match with my Coinbase account because the wire transfer was made from my business account.
The email from Coinbase states I should receive my funds bank in one business day.
I have not received my fund at this moment. I have tried to contact them but no success. They have no phone number to call, no chat service with humans, but only emails which they have not replied to since Wednesday.
Huntington Bank denied me access to my checking account. Due to profiling customers, deposits at the ATM were held ( disclosure was made at ATM regarding no immediate availability on deposited checks ). I was not able to access my account online or by mobile app. Upon inquiring via phone as well as visiting the XXXX Officed ( XXXX ), I was informed my account was pending closure and no access would be granted until the checks cleared. I accept the pending hold until the checks clear, I do not accept preventing me from viewing my account. The deposited checks were from my XXXX checking account which has direct deposit of funds received for death benefits for my husband who died XXXX/XXXX/15. The direct deposit in the XXXX account ( XXXX ) had not been received on the date the insurance company promised. I explained this to Huntington reps numerous times. 
I was told that nothing can be done about access to my account and they continue to hold this matter as a security issue until XXXX even though I explained the problem with my direct deposits at XXXX. I have been in contact with the insurance company responsible for the direct deposits, as well. I had checks returned by XXXX on a previous deposit and by profiling my account activity, the account is on hold to close. My SSI funds are due to be direct deposited into Huntington on XXXX. I want access to my account immediately. 
I needed checking account statements for my mortgage company and was not able to obtain them online. I had to order them from Huntington and they will charge {$5.00} each,
We Filed a chapter XXXX XXXX, every since US Bank has purposely tried to undermine our mortgage with deceptive practice. They refuse to give amortization of loan since XXXX to date. Giving false principal amounts, and claiming they only have XXXX amortization because of the modification they done, which we never seen nor signed nor heard of, this their basis for taking over the escrow, they refused to send escrow check to pay taxes in XXXX like before bankruptcy claiming we authorized them to pay our taxes which we never did prior to bankruptcy, we have always paid our own taxes. Since they took over our escrow they lie claiming taxes are paid on a specific day for example this year US Bank claimed they paid our taxes on the XXXX of XXXX but in reality they actually waited until the end of XXXX XXXX to pay at the last minute, last year they paid XXXX XXXX, XXXX. This has happen for three years while we were in bankruptcy. Now their new tactic is they are not reporting our mortgage account to the credit bureau and has not going on 4 years during and after discharge of Bankruptcy which was XXXX XXXX, XXXX to date Us Bank home mortgage has not reported our account to show we are up to date in our credit report. Can Something be done about the way they continue to deceptively handle our mortgage lying about modifications when there was none just to take over our escrow account and then not report to credit bureau and refusing to give amortization of original loan history from XXXX through XXXX claiming they do n't have it. We want our amortization loan, payment history, and true principal balance of what we actually owe, and see actual payment history of payments from court applied during Bankruptcy, because principal is incorrect since XXXX to XXXX. Plus they owe us a refund for late fees charged during bankruptcy because those fees were included in arrears paid in full and such fees were suppose to be submitted to the court when asked at such time.
I have disputed a debt with XXXX  5 times with a response that the account being reported on credit report has been verified and is accurate. I called XXXX today to ask them how they verifying the information is accurate and I was told by the agent that they verify with the company over the phone. I asked her if the are verifying with the number provided to me on my credit report and she said yes. I told her that I called thee number and its an incorrect number that the number provided is an automated service trying to sell me different things. She then provided me with an alternate number which I hung up and called the new number and its the same automated service trying to sell me things. I called XXXX back and told my story again and told them I have disputed this account 5 times with them and even called the original creditor being reported with no records I owe this debt. I have sent multiple certified letters to XXXX and XXXX  and the company provided asking to be provided with viable evidence this is my account but I get nothing but an XXXX   agent telling me they verified the information by a phone number that is an incorrect number. It's a scary thing that XXXX hold my lively hood in their hands but the told a bold face lie. If they had verified the debt with the number the provided then they would know its a fraudulent account and I wouldn't be dealing with this for over a year. The account being reported is Paramount Recovery System with no account number provided and the address is incomplete and the phone numbers are incorrect. Please explain to me why this is being reported on my credit still?
XXXX XXXX credit has been calling me several times a day about a small medical debt I never received a bill for. I believe the debt is legitimate, but as I do not have a copy of the bill, I asked the gentleman to email me one. He refused. I informed the caller that I work on the road and need all paperwork emailed to me. 

I then spent over an hour and called 6 different lines trying to track this debt down and obtain a bill, with no luck. I called the original emergency room first, who failed to contact me about this issue before sending it on. They were unable to provide a bill, and referred me to XXXX XXXX XXXX XXXX XXXX, who also was unable to provide a bill The caller continues to harass and call me at work. I informed him I could schedule a call with him if he could email me to set up a time. He again refused and continues to spam call me. Today I have received 3 calls while on a jobsite.
I contacted PHH Mortgage to provide my statements via mail ; they refused. I asked them to a least provide the tax statement at the end of the year via regular mail. They told me that they were going to do it. However, they have n't provided any information via mail. 
I tried to login in their website for days now and I keep getting the message below : We are currently upgrading this website. 
The site will be back up no later than XXXX Eastern time. 
Please stop back. 
I need my loan tax information to complete my tax return. During the week is very difficult for me to call them because I work from XXXX to XXXX. However, I have tried a couple of times to call them from work. I got put on hold for over 20 minutes. I do not have the time to be on the phone that long. I only get 15 minutes breaks from work. 
Can you please help me to get my tax information via regular mail? 
Thank you, XXXX
Wells Fargo previously provided a variety of options that allowed users to schedule the frequency and amount of mortgage payments. 

Recently, Wells Fargo redeisgned the interface of their website and this functionality is no longer present. 

Despite the fact that Wells Fargo acknowledges these features are missing, they continue to reference them on their website. This is misleading to current and prospecting mortgage customers. Additionally, removing the ability to change how mortgage payments are made without notice, after the feature had been implemented for some time, may have an appreciable cost to mortgage customers who are no longer able to adjust their payments.
I was offered a settlement for my past due credit card and after giving my payment information, was denied the settlement and told to seek credit counseling. I was repeatedly told that Bank of America would not put my ability to pay my basic bills in jeopardy if I was unable to pay toward my credit card. I was also NOT told that I had to call to cancel the payments after the settlement was denied nor was I told that the payments would go through despite being denied the settlement. The payments were CONTINGENT on the settlement and no final authorization or agreement was reached. I was denied and therefore DID NOT AUTHORIZE any other payments. I had $XXXX withdrawn from my account without my consent and Bank of America is refusing to return that money even after informing them that this UNAUTHORIZED withdrawal of funds was going to cause me to bounce payments that I had mailed for my basic bills since I was not expecting that money to be withdrawn.
My Scottrade account was hacked and Scottrade is refusing to honor their Online Security Guarantee. I would like to file an arbitration case against Scottrade but Scottrade will not provide me with instructions on how to file arbitration against Scottrade.
Bank appear to be posting pending transactions in the account of customers in a sequence that will incur a late fee for the bank. Maliciously sequencing the pending transactions. It might be a bank practice to increase bank profit. More customers might be suffering the same malicious practice. Within a few hours from the pay check being posted at Chase, the account became negative and the {$34.00} late fee was posted. It has happened in the past, time and sequencing of posting the fees started to intrigue me.
Hello : I recently took out a {$180000.00} purchase mortgage with Cardinal Financial Company LLP ( loan # XXXX ) that closed on XXXX/XXXX/XXXX. On the closing disclosures I signed, the estimated monthly payment was listed as {$1200.00} and included Principal & Interest ( {$850.00} ) +Escrow of {$350.00} to cover taxes and insurance. However, when I received the first statement ( for the payment due on XXXX/XXXX/XXXX ), the monthly charge had increased by {$80.00} to a new payment of {$1200.00}. 

When I called Cardinal Financial the week prior to the XXXX/XXXX/XXXX due date to ask about the increase, they indicated that it was probably a charge for private mortgage insurance ( PMI ). I explained that there was no indication on my financial paperwork ( attached ) that there would be a charge for PMI. In fact, it specifically listed PMI as {$0.00}. 

I went ahead and made a payment in the amount of {$1200.00} ( the full amount listed on my closing paperwork ) and I notified Cardinal Financial Company LLP in writing ( by e-mail on XXXX/XXXX/XXXX and through certified mail ) that I wanted them to acknowledge the correct amount of my monthly payment of {$1200.00} in writing and correct it going forward on my monthly statements. 

I have not heard anything definitive from Cardinal, other than to hear that the matter had been elevated to upper management ( that was last Thursday, XXXX/XXXX/XXXX ). 

Since then, I received a letter from Cardinal ( dated XXXX ) that they had received my payment of {$1200.00} but would not apply the payment until they received another {$80.00}. In other words, if I do n't pay this additional amount, they will not credit my account and could report my payment as late. 

As I understand it, this is a violation of TRID rules ( RESPA and TILA ) and Cardinal is obligated to accept the payment in full as indicated on my closing documents. They can not charge additional fees simply because they want to. 

Since I have a high credit score and did make my payment on time ( on XXXX ), I am concerned that Cardinal Financial Company LLP is trying to extort an additional payment they are not due by threatening not to apply my on-time payment. 

Separately, I received notice from XXXX that they have purchased this loan. I imagine they wo n't be too happy to learn Cardinal misled me at closing. 

I could use your help in this matter. 

Thanks, XXXX XXXX
The XXXX XXXX rental thats on my account were paid off.On the balance it show '' s balance {$0.00} not sure why its on my report??? you can call them anytime they will also tell you it was paid XXXX is the store phone number. that status says it was closed cause it was paid off all XXXX of them from same company
In the fall of 2014, my home was in danger of foreclosure. Previously, I had tried mortgage mitigation with my then mortgage servicer, Citi Mortgage, but that had not gone anywhere. I had gotten a call from XXXX, urging me to try mortgage mitigation again, specifically a deed-in-lieu of foreclosure. I sent the application for deed-in-lieu to XXXX, with XXXX as the conduit. That process went no where, and XXXX said to send the application again. At this point, unbeknownst to myself of to XXXX, my mortgage servicing had been sold by XXXX to Green Tree Financial. My complaint is thus : after missing mortgage payments, and going into pre-foreclosure, XXXX had dinged my credit rating. They then sold my mortgage or rather the mortgage servicing to Green Tree. Immediately there after Green Tree began knocking my credit, missed payments, in foreclosure. It was XXXX property, XXXX mortgage, but XXXX foreclosures. Why was XXXX allowed to sell the servicing of the mortgage in the middle of my application? Why did XXXX knowingly purchase what was for all intents and purposes a bad debt, and why should they be allowed to hurt my credit for the exact same reason as the company they purchased the mortgage from?
My last Citi credit card statement included a late fee of {$20.00}. When I called the company for an explanation, they told me it was for a late XX/XX/XXXX payment ; going on to explain that my payment is due to Citi on XX/XX/XXXX and THEIR records show that the payment was not received until XX/XX/XXXX. 

This puzzled and disturbed me because I had previously set up the payment electronically through my checking account to arrive on time. So, I did some investigating and as you can see from my attached XXXX Bank statement, the funds were electronically transferred to Citi on XX/XX/XXXX with an expected delivery date of XX/XX/XXXX 

Even if, for the sake of argument, the payment did not arrive on XX/XX/XXXX as expected, there is ABSOLUTELY NO WAY AN " ELECTRONIC PAYMENT '' TOOK XXXX DAYS to get to Citi! The company may have refused to recognize it but they did receive it in advance of the due date. I am writing to you because I need your help. Citi has denied my request for a refund both on the phone and in a written letter. And I believe that this is unacceptable! A prime example of a big company taking advantage of the little consumer. Please help me because I NEED my {$20.00}. In this challenging economy, my husband and I are finding it very difficult to make ends meet. Therefore, I must pursue this matter as I can not afford to ignore it. 

Lastly, I would like the company invested to see how many other consumers electronic payments are being " ignored '' so that Citi can charge a {$20.00} " late '' fee. 

Thank you for your assistance, XXXX XXXX XXXX, NJ XXXX Work # : XXXX