WillisBack/dataset-financial-user-claim huggingface dataset:
Mu name is XXXX and last month I submited a mortgage payment to Loan Care Service Center, XXXX XXXX XXXX XXXX PA XXXX. They received as a ach payment that was taken from my bank. Unfortunately they returned my payment to my bank because it went to this adress witch was the old location. At first I call and spoke with XXXX, XXXX, XXXX and XXXX ( who hung up on me ). They all stated that I would receive a check in the mail. Never received. After trying to speak with inumerous people and staying hours and hours, finaly someone else told me that they returned the check to my financial institution. NO one could give any answer. However my bank did not received. They can not tell me any information on the check. called inumeours people. Spoke with XXXX XXXX and he stated that he would call me back with the information. He never answer his calls and did not returned my calls.his phone is XXXX bank calls and nothing. Spoke with XXXX, was busy and got my number. never called me back and never answer any calls. I can not talk with anyone there. I need them to give any information on the check that they sent. I just need anyone to give the infoarmation on the check that they lost so my bank can trace it. My mortage payment is late and is affecting my credit because of that.
I just open this account and I have had consistent issues with the customer service I open this account after having issues with XXXX XXXX XXXX and their customer service so I figured BMO after having such a wonderful branch manager open my account as soon as I would n't have the same type of issues since opening this account not even in my first 30 days I have had horrible customer service on the phone I have been told misleading facts and statements regarding my account on several occasions my account is locked at night about midnight due to BMO updating their system but when I enter the correct login information rather than disclose to me that well this system is updating the online and mobile access to my account is restricted it locks me out and locks me out the account so then I have to call back in to customer service to get my account reset for it saying that I entered the wrong login information when it 's really a system cause automated error I am to the point of beyond frustrated with this company I have tried on several times to close this account and I 'm being told that because I 'm closing it within the first 90 days I 'll be charged fees for closing all of my accounts at this point I 'm waiting for one more deposit to hit my account and at that point I will be closing this account and if I am charged a fee I will be suing the original branch that open my account because these fees were not disclosed to me nor was it disclosed to me that I would not have access to my own funds or account information due to Errors By The automated system at BMO Branch I am appalled and outraged at what awful shity service that they have provided to me in regards to my personal and business account with this low-class Bank.
I called American Express at XXXX to apply for a credit card to help with my credit, being a victim of ID Theft, XXXX XXXX, XXXX with IRS and XXXX with a XXXX XXXX credit card. I called them in XXXX of XXXX sent all my police reports to them ( faxed ), when calling today and to see what the update was spoke to a gentlemen who transferred to me XXXX, who could not find the application on file nor the letter sent. When I spoke to the gentlemen in XXXX his name was XXXX had a different accent. Said that application would be investigated, never heard a word.
PayPal Calks numerous times a day every day, even after stating amount due will be paid in full, before end of month. Never leaves messages either.
they called me and accused me of taking out a payday loan and after proving to them that it was not me they started making treats saying that they were going to take legal action against me if I did not pay them money
I am contacting the CFPB as I am stunned and scared as my mortgage servicer, CitiMortgage denied my request for a loan modification because the FHA loan I have that is co-signed by my brother ( who quit claimed off the property XXXX/XXXX/14 ) also co-signed for a loan with his girlfriend with XXXX XXXX and that loan happens to be an FHA loan. That loan was taken out a few years after my loan so I can not understand why this is being held against me and CitiMortgage will not modify my loan because of this. I went online and pulled the FHA handbook guidelines refernece Handbook XXXX : XXXX stating this is the exception and not the rule. I tried appealing the decision and they came back today and stated my only option is short sale. I have nowhere else to live and I started working a XXXX job for the past year just to be able to afford this home. It appears from the FHA handbook an exception can be made considering I live in the home, my brother does not and we have a recorded quit claim deed. - XXXX Non-Occupying Co-Borrower. A non-occupying co-borrower on property being purchased with an FHA insured mortgage as a principal residence by other family members may have a joint interest in that property as well as in a principal residence of their own with an FHA insured mortgage. XXXX See HUD Handbook XXXX for additional information ). Under no circumstances may investors use the exceptions described above to circumvent FHA 's ban on loans to private investors and acquire rental properties through purportedly purchasing " principal residences ''. 

Considerations in determining the eligibility of a borrower for XXXX of these exceptions are the length of time the previous property was owned by the borrower and the circumstances that compel the borrower to purchase another residence with an FHA insured mortgage. In all other cases, the purchasing borrower either must pay off the FHA insured mortgage on the previous residence or terminate ownership of that property before acquiring another FHA insured mortgage.
I noticed a collection debt on my credit reports and I disputed it because I had no idea what it was for. I received the dispute status back from the credit reporting agency and was informed that the debt remained. I contacted the company Central Financial and was informed that it was a bill from when I was XXXX. I informed the representative that they should have billed the insurance and then my Health Savings account that I provided to them in the ambulance and at the hospital prior. Somehow either the original hospital I went to did n't forward the information or they did n't bother to request reimbursement from the savings account credit card but instead they just sent it to collections. I never received anything contrary to what the company is stating. They are completely lying about sending me anything to show what the debt is for and ca n't even explain why they did n't submit the balance to the credit card/HSA card that should be on file. When I explained to the girl that I was willing to make a payment and take care of this bill but that they needed to delete it from my credit reports in return she informed me that they would n't. I informed her that it gave me no incentive to pay for it then so unless they remove it from my credit report then I would n't pay it at all. It 's not causing me any issues right now because it 's the only negative on my report and due to them not billing it correctly in the beginning, I now have to deal with this. I am willing to pay this bill now if they would agree to delete it from all XXXX credit reports that they have sent it too, otherwise it will delete off my report in another 5 1/2 years and I wo n't be paying anything. I do n't have a job at this time so I do n't have an income to even pay this bill, but I am still willing to take care of it thru my HSA account to get it removed from my credit report. They have to give me something in return since this is due to the practices of both XXXX XXXX and Central Financial Control who have both been in trouble for their billing & collection practices. This bill was actually incurred supposedly during the same time period that they were fined for and I should have been notified of the lawsuit against them.
seterus keeps sending foreclosure statements although we are actually paid over on mortgage. money is in suspense account and they will not apply it to our account. even after XXXX phone calls and they said they would fix it. also reporting on our credit that we are behind XXXX payments. never was. only 2 months and that was caught up months ago. dont know what to do.
Numerous attempts to send documents to the company. They lose the documents each time and say to send them again.
Credit reporting agency will not remove paid tax lien even though documentation states that it is " paid, satisfied, and cancelled from the record. ''
I have multiple missed student loan payments on my credit report from previous years back that I was not aware of. I never received any information about paying my students loans. The history even shows scattered months on on time payments and then months where the account was past due for 30-90+ days. Im not sure when I started being held accountable for these payments. Once it was brought to my attention for the first time I immediately contacted the company for deferment due to me not being able to afford these payments at the time.
I am turning to your company for help because I have done everything I feel I possibly can in reference to an account from XXXX XXXX that continuously reports on my credit file. I have disputed with the bureaus directly and also requested information from Midland. The account number listed on that item is XXXX and I have asked for validation on several occasions and they only send me a form letter indicating that the account is showing in dispute. I have attached a copy of the correspondences they have sent numinous times and nothing more. I want to see the pay history it may be past the statue of limitations, the amount is n't familiar and none of this makes sense. Please if you could help me I would greatly appreciate it.
Several items in dispute are not resolved with Total Card inc, numerous complaints have been filed against them and nothing done/resolved. The XXXX ( XXXX ), Attorney General of South Dakota, South Dakota dept of banking, have all unresolved complaints against them. Their rep, XXXX XXXX, claims the findings of their investigation were provided to me which is not true. The last information reported to me is the items were charged back to the companies, according to XXXX in fraud. I have heard nothing since. Again, no findings were reported to me because they were not investigated. XXXX was advised XXXX of the companies, XXXX, did issue credit then recharged the account for the same amounts credited. As for the amounts of XXXX both from XXXX XXXX, XXXX was also advised that product/service was not received for either transaction. She stated all charges would be charged back to the companies, this is the last bit of information I received. I wish to reiterate, I was NOT provided any results of findings as again, they were not investigated beyond the point of charge back. it appears XXXX XXXX response is a carbon copy of her last response to the Attorney General complaint, which is also unresolved. She did not state what supposed findings are, just that they were supposedly communicated to me. She further stated I agreed to close the account, which is true, but did not agree to drop any remaining or pending disputes. It appears Total Card is implying they are no longer required to dispute the items further since the account is now closed, XXXX will be notified of this. The credits she refers to are for another disputed item, XXXX from XXXX at XXXX XXXX. This is an incidental deposit for a hotel stay, there was a disagreement over supposed charges made to the room ( s ). The other credit, XXXX, brought the account to XXXX. Please note, these credits were not accepted as matters resolved for the disputes mentioned previously, they do not cover the total charges in the amount of XXXX. As stated in previous complaints, Total Card does nothing to dispute any charges, just a pointless XXXX way conversation with merchant that goes nowhere. Obviously, I would not dispute items unless I already attempted to resolve them directly with merchant, the first step in a dispute process. Please do not mark this as duplicate, the issues are not addressed or resolved.
During a period of extreme financial hardship, I fell behind on my Barclay Card ( LL Bean Visa ) but called and was told that I could " re-age '' the debt by making 3 monthly payments starting XXXX XXXX, 2015. I was unsure if I would be able to until the day before. Unfortunately XX/XX/XXXX was a Sunday. Though their website says customer service is available XXXX, if you 're in collections once you enter your personal info your call is automatically rerouted to collections and no one is available on weekends. I made the payment in good faith on their website and contacted them by email regarding the situation. I called the next day and explained to the service rep what had happened, explaining that the original rep should have noticed that the due date was a Sunday and given me an alternate date, and he assured me that the payment would be honored towards the " re-age. '' But it was not. Shortly thereafter I received a debt collection notice. I called and was told it was too late to re-age but they would wave the late fees if I could catch up with XXXX payments by XXXX XXXX. It was difficult but I managed to make the payments, with the final XXXX being on XXXX XXXX, 2015, on the phone with a customer rep. She assured me my account was now back in good standing. However, when I checked my account on their website a few days later I found that I was charged a late fee on that payment. I called again and got the fee removed, but 2-1/2 weeks later their website shows that not only do I still owe the late fee, but also the original overdue amount. To top it off, this XXXX ( XXXX XXXX ) we got a collections call. I called my same service rep and told her what was going on. The issues did not appear on her computer, but he swore she would personally contact both collections and IT. However, I just got another collections call. I cleaned up my act and I think it 's only fair they they do likewise.
On XX/XX/XXXX I opened a auto loan and had to pay higher interest due to my debt to income. I was a little confused when I knew my debt to income wasn't that high. So XX/XX/XXXX I went to open a motorcycle loan up. I received a call from the credit union saying I have a excessive amount of payments I make monthly and they were uncertain I could afford the purchase I tried to make. At this point i wanted to see what was going on. After reviewing my credit report the credit union pointed out acima credit was reporting I was making almost $ 800 month payments and failed to report for several months and was breaking federal laws. I had to contact acima and wait for documents saying they made mistakes. This was a very stressful time and still effects me to this day. The balance acima has now is just interest. I paid the total purchase price. I told acima that seeing what I was put through and the fact I'm paying higher interest on my auto loan because of there mistakes that i want the account closed and I'm not paying the interest they want. I even offered to pay a little more but I felt they owed me
Navient continues to call me and my cosigner to pay the loan they claim is past due, even after it has been paid. I submitted the payment online and they do not check the system before calling. The agent tells me the system is automated. Navient calls and harasses me and my cosigner to make a payment. They are relentless and will not stop even when asked.
XXXX XXXX was hired less than 3mos ago for 9mos stretch.some items removed ... other inconsistently across all three major bureaus.THis is a fcra violation. 

recently I have sent all 3 demand for dispute multiple times. Certified mail, uncertified mail, email, FAX ... etc. I am lied to my face about if certified mail has been sent with the hard card and USPS mailing card in my hands. 

My files remain uncorrected. creditor contacted take sweet time in getting back to me beyond 30 day limit and then begin to make claim that debts are accurate after extorting me for over 12 mos. This said, XXXX XXXX was on retainer last year for around 9mos until I discovered they were scamming me. debt collections should have ceased, irregardless if anything was filed w the courthouse. If I must, I will hire another attorney to do it again and I will pay cash. The problem is the bureaus repeated refusal and noncompliance. They make claims yet are unsupported by evidence NOT sent to me, and supported by the FCRA itself which nobody at any bureau has bothered to read. I have skimmed the entire document in full looking for violations and found over 10 per credit bureau over the past 10 years. accounts I demanded removed ( XX/XX/XXXX )  repeatedly mo after mo I am sent and they are still there. accounts are " confirmed '' w no evidence as to HOW sent to me.
I am repeatedly asked for my blood type each ( week now ) time I dispute anything w anyone and then the reply is DENIED, INCOMPLETE, YOU ARENT YOU and YOU DONT LIVE THERE..or my files are changed behind my back wo my permission.I have had unlawful freezes multiple times in the past I did not authorize. bureaus are now refusing to freeze my files. my online access has been denied and locked up " in investigations '' that take years to unlock. 

FINAL NOTICE BEFORE SUMMONS of ENTIRE COMPANIES before XXXX COUNTY JUDGE for non-compliance. I HAVE INCHES OF PAPERWORK -- I had years worth in XXXX XXXX that got stolen.I had loads more last year. Law firms such as listed online refuse my case even though I have one against the bureau and then run thier mouth at me for reasserting my valid claim.
For three months XXXX XXXX - XXXX XXXX Citi has claimed my bank has returned my payments as NSF. I was not informed until XXXX about the issue. I called and spoke to someone who stated payments take XXXX5 days. I scheduled a payment for XXXX/XXXX/16. I called again on XXXX/XXXX/16 and was hung up on. I called back and the person I spoke to said the bank had returned NSF, even though I was paid the day before the payment was set. She then told me they had resent it and it had been accepted and they had received the funds from my bank, and that she would request a supervisor to contact me in XXXX48 hrs. I never received a call. I received an email on XXXX/XXXX/16 that it was returned NSF. However, I had a minimum of $ XXXX {$500.00} in my acct for the past week, over {$1000.00} the previous week. The person I spoke to said a request for a supervisor to contact me had n't been made until XXXX/XXXX/16. Because of this continued issue, my credit score had take a substantial hit, making it impossible to get the home loa I was going to go after. When I told this person I was upset and wanted to speak to a supervisor about getting refund on the return fees I was charged, and getting my credit score issue addressed, she told me that Citi did n't report to credit bureau. She also said that there was no supervisors available. The person also put me on hold a couple of times while I was attempting to explain. She finally told me that if I did n't stop talking she would n't make a note of my complaint. At this time I became very angry, hung up, and made this complaint.
I joined the United States XXXX in XX/XX/XXXX and was stationed in XXXX, Washington. I am from XXXX, Georgia. I XXXX to XXXX XX/XX/XXXX and did not return until XX/XX/XXXX. I was told this XXXX tax lien should not be on my credit report and it was wrongfully filed on my XXXX and Transunion credit reports. Please help me take both of these tax liens off my credit reports. I am trying to buy a house and every company is telling me they can not extend credit because of the tax lien.
Chase closed my account over the weekend ( non-business day ) and is holding my funds without explanation. Today, XXXX XXXX, I walked into the branch and they did n't disclose information about the status of my account and I was told that they were n't able to release my funds to me. I always deposit my checks inside the bank and keep a regular balance. I 've never over drafted and I was never charged a fee.
I don't remember submitting a credit application for PayPal credit and had clicked to cancel the advertisement and closed out the webpage. I still somehow got approved for credit I don't want with PayPal.
NOTICE OF COMMERCIAL LIEN INTENT!XXXX XXXX XXXX XXXX XXXX HAS USED FICTITIOUS NAMES 3 TIMES AND VIOLATES FEDERAL CODE, note memorandum ; NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 3 counts. CEASE AND DESIST AT ONCE, THIS IS COMMUNICATION FROM LEGAL COUNSEL FOR THE PLAINTIFF, NOTICE OF COMMERCIAL LIEN COMMENCEMENT,
A few {$1.00} and {$2.00} " Service Charges '' appeared on my business checking account. They are not itemized or described on the statement. When I called and asked the bank manager about them initially XX/XX/XXXX, she said they were fees for international transactions. Today when I called to ask about these continuing charges ( among other things ), the current manager gave a similar explanation, saying the fee is for " international ACH transactions. '' This does not make sense because XXXX, the medium through which I was making the cited payments, is a domestic business, and any ACH transfer involved should be domestic, regardless of where the money ends up. I pressed the manager at my branch about this, but she insisted it was for international transactions, and by the end of the call she was insisting it was a " fee from XXXX, '' which makes even less sense because XXXX has not been involved with any of these transactions. I confirmed with XXXX support that these transactions are not international in nature and so should not be incurring " international '' service charges from my bank. I think Comerica is charging an unnecessary and unjustified fee without proper explanation.
Good afternoon is been several times the I try to fix my credit calling and send email to one specific credit bureau and always reject my claims I been working on fix my credit and have credit cards with different banks but with dif bureau looks like one is not help me it all I think is no fair why others bureau help me out and this specific one wont how can we do? Dont know how.
I paid my Chase Credit card balance off around XX/XX/2017.  I ask the representative was the full amount correct before paying the entire balance. He said yes. 2 months later I received a letter saying I was late paying around {$200.00} in interest. I call Chase and ask them why they didn't contact me about the interest and I paid the entire balance off. They said they sent it to an email that I no longer have, but they have my new email address and phone number. They put that I was late paying them over 30 days on my credit, but I already paid the balance off and I was never late paying the bill before.