WillisBack/dataset-financial-user-claim huggingface dataset:
Good day! 
I received a modification with Carrington Mortgage. It was confusing because first i was denied then I received one, then I was trying to make the payment on XXXX XXXX and I called the number on the modification and I was not able to make it. We called Carrington and spoke with XXXX in foreclosure department and he advised that someone would call me. I never received a call. I kept calling the bank to no avail. We called again today and finally spoke with XXXX in the Home Retention Department and I was advised that I had to reapply. I offered to make both the XX/XX/XXXX payment and the XX/XX/XXXX payment, but she said she could not take my payments. This has been a very stressful situation and I am at my wits end. Now XXXX advised that I have until Thursday XX/XX/XXXX to submit ALL of the documentation all over again. Please assist me in not losing my home, as I waited over 5 years to finally receive one and when I was going to pay they are not taking my payments. Another thing that they did, is that we kept having people trespass onto our property because all along they had the property on Auction.com while we were in the modification status, so how can we believe that even making the payment the house would not have been foreclosed, seems they have been dual tracking all along. The people stated that we were going to auction because we were losing our home! Can you imagine how one feels when we are trying to make payments and we hear this? We need your assistance in this matter. Thank you in advance.
XXXX is repeatedly calling my work. I have included a log of the calls received just in the last few days, I deleted the others. 

XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX
The company is saying they are collecting for XXXX XXXX but my XXXX XXXX bill is paid in full. I do not owe any debt. This company that is reporting to the collection agency, I have no contract or agreement and I have no debt with them. They also did not provide any information that shows I owe any debt with them. I contacted XXXX and they confirmed my balance was paid in full. Now aware of this agency and again do not owe any debt with them.
I submitted a request for PRO COLLECT or XXXX XXXX XXXX to validate a alleged debt, what I received was a lease from 2005 in which I signed a lease with XXXXXXXX XXXX XXXX XXXX PRO COLLECT nor XXXX XXXX can not with 100 % certainty produce any documentation where I signed a lease agreement either entity. I am getting the law directly from your policy FCRA 609. If original debt can not be verified it has to be removed.. This law requires every company that reports credit events -- not just the original creditor companies -- to be able to produce verifiable proof of the negative event. It holds the credit reporting agencies accountable for the negative information they pass on. This is obviously related to the right of debtors to challenge the accuracy of negative events reported on them. The intent of the government was to protect debtors from having inaccurate information used against them .... I hope this can be resolved without me seeking legal representation and me calling the local news to advise them that my rights are being neglected/overlooked by the agency that has sworn to protect them.
The Regions Bank Branch in XXXX, GA has been stealing funds from bank members. Most recently I was charged another overdraft fee and didnt opt in for Overdraft coverage. Im also not being refunded authorization charges. The authorization at XXXX where changed XXXX to prevent a refund. The order numbers are XXXX,XXXX,XXXX,XXXX. This also happened at the XXXX XXXX with a charge of XXXX Made XX/XX/2019 that was never refunded. Also at the ATM they grayed out ATM withdrawal and check cashing options and didnt allow it to be processed.I have had atm issues before I was recently short changed. They might also be monitoring bank account balances trying to contact employers as well.
I recently filed a complaint about this under complaint # XXXX. Ditech responded but gave you false calculations and you closed the case. 

I responded to their response. 

According to DiTech they paid taxes in the amount of {$1500.00}, {$1400.00}, {$1400.00} and {$1600.00}. The tax Bill shows {$6100.00} that would only be a shortage of {$94.00}. No dates of payment do not appear on my copy. 

Ditech paid homeowners in the amount of {$1000.00} The Premium is {$920.00} A difference of {$140.00} {$6100.00} + {$930.00} = {$7100.00}. DiTech shows a beginning balance of escrow as {$9400.00}. That is an overage in escrow of {$2300.00} in my favor. 

How is it possible that my payment went from {$1000.00} to {$1200.00}? 

Please also note records from a conversation with XXXX of DiTech who admits a mistake on Ditech 's part. If you look at the picture I sent you of DiTech 's Escrow eval you will see that added an extra tax payment of $ {$1600.00} ( E ). XXXX said that was a mistake right there among others. That there was an overpayment in Escrow and she couldn't fix it so she had to escalate it to the escrow analysis dept. Not only was there no response to the escalation, but fees are accruing and my credit is being damaged. 

Thank you for your time.
We are trying to close on a mortgage, but Chase JPMorgan Bank ( Hereinafter Chase ) has a  judgment against us, that is inhibiting us from closing. We were not aware of the judgement until the title insurance was complete. We found out about the Judgement on XXXX XXXX, XXXX. We had a deadline of XXXX XXXX for closing on our loan, but have been unable to get any help from Chase or their attorneys regarding payoff and lien release. We have been asking for a payoff and lien release since XXXX XXXX, XXXX and have been getting the run around for almost a month. On the XXXX of XXXX XXXX we stated our request with XXXX XXXX ( Hereinafter XXXX XXXX the attorney who was representing Chase and who recorded the Judgment. His phone number is XXXX. We have supporting documents that we will attach to this complaint showing that XXXX was the attorney representing Chase. After talking with XXXX we were informed that he no longer represented Chase and that the firm he was working at when he was representing Chase is no longer in business. XXXX gave us a number of another Utah firm that he had forwarded the case files to, we contacted them by Phone and by email. This firm, that now has the case files and is now representing Chase is XXXX XXXX. I spoke with XXXX XXXX XXXX ( XXXX ) and he passed us on to a XXXX XXXX a XXXX attorney in the firm. His number is XXXX After a week or so of us emailing and calling him everyday, we were told by XXXX in an email that Chase had told him to not help us and that we needed to contact them directly. We spent the next week on the phone for numerous hours on hold, and was passed to this department to the next department, Just more run around. Here is a list of all the emails that I was ask to correspond with XXXXXXXXXXXX, XXXXXXXXXXXX XXXXXXXXXXXX, XXXXXXXXXXXX We even had a XXXX way with Chase that involved our mortgage broker XXXX XXXX her number is XXXX you will see she is attached to the inquiries about getting a lien release and payoff amount as well. We are at risk of loosing the Home now because Chase is un-willing to help us, we are trying to pay them money and they could care less.. We really need someone to intervene before the seller pulls the plug on our purchase agreement.
I took out a loan from XXXX XXXX, through Synchronicity Bank. It was supposed to be no interest and no payments for 6 months. They incorrectly reported it late on my credit. They said they would remove it, but it 's still not off and is causing me issues.
I was an authorized user on my x-wifes XXXX charge card and never used the account. We divorced last year and she removed me from her account. All XXXX bureaus are still saying the account is valid and belongs to me. I just sent in my Divorce Decree with a letter stating that XXXX did not have me on the account and to remove me. They refuse to. I have called XXXX directly and they are unable to assist because I am not on the account and never actually even received a card. I am at my whits end. My x wife has maxed out her XXXX card and her actions have caused a XXXX point drop in my credit score. XXXX customer service number is XXXX. I spoke with XXXX and she said that there was nothing they could do to assist and that my x wife had called in 4 weeks ago at my request to make sure I was removed. Her email is attached as well. Thank you
in  XX/XX/XXXX after being denied a car loan due to a excessive mortgages and car loans on my report that were not mine. I called Transunion to figure out what was going on. at that time I was informed by a representative ( do not have her name on hand ) that Transunion accidentally merged my credit profile with someone else 's who had a similar name. The rep noticed the issue immediately and said it would be corrected. The accounts were deleted from my reports as well as the ssns, address, and phone numbers. Last monthI went into my bank to apply for a car loan and was denied due to excessive inquiries so I go back and look at my reports and low and behold the inquires ( there are still about   XXXX   inquires ) obtained from when report merged with someone 's else that were not removed. so I called back and spoke to another rep ; told her what happened that Tranunion admittledly merged my report and I was told the in would be removed but nothing has been done. on   XX/XX/XXXX  I  sent an email to   XXXX   XXXX   CEO of Transunion about this issue as of yet I have received no email response. so toda y   XX/XX/XXXX  I called back again spoke with a rep and she told me she could not do anything that I had to let them fall off. so I ask to speak with a US rep and she transferred me to   XXXX   in special handlings. She claimed to be a supervisor. she was very rude to me. I explained to her that Transunion informed me that there was an error and m yreport merged with another persons and that I needed these inquiries removed as I did not authorize them they were from the other persons report.   XXXX   so rudely informed me that I needed to file a police report for fraud. but I can not file a police report because there was no fraud it was an error done by Transunion 's internal system ( again wording directly from there company ). please assist me in removed the unauthorized inquires. as they are effecting my credit. the creditors are saying call the bureaus and the bureaus say call the cred
I getting the run around about correcting a ongoing balance. Capital one blames it XXXX and XXXX  blames it on capital one. It is holding me up from buying my home. Loan officer wont let me go further
Resurgent Capital recently reported a debt for {$2000.00} on my credit report. I never received notice from them about this debt before it appeared on my credit report, so I was shocked to find it there. I immediately contacted their office, and requested information about where this debt originated, and itemized detail of the charges, and explanation for why it was reported on my credit report prior to me having an opportunity to answer to the charges. Nearly two months have passed since I made this request, and I have received no response from Resurgent Capital. Nevertheless, they continue to report it on my credit report.
The account has been disputed, deleted and does not belong to me. The credit bureaus deleted it once before and has now allowed a different company  (   XXXX   XXXX  {$1500.00}  ) to re port the same account for {$1.00} more than what was reported before.
I was injury at work XXXX XXXX this bill was to be paid by the state of Florida Division of Risk Management. I have gave the company all the information on this case and they still keep holding me accountable for it. This the information that I have gave to them for this bill they need.
When I called to inquire about the  XXXX   XXXX  debt from  2012  the individual started asking me questions about the debt. I explained that we paid the  XXXX   XXXX  bill and proved it to the collector years ago, she then hung up the phone on me. Unfortunately it 's still there.
I received numerous calls on XX/XX/XXXX asking me to verify my personal information and they claimed I owed a debt. They called my mother the same day. They have also called my nephew looking for me. The debt was supposedly a payday loan that occurred in XX/XX/XXXX and was deposited to a XXXX XXXX XXXX XXXX. I don't live in XXXX  and never have. I didn't take out a payday loan. The loan was in the amount of XXXX. They threatened me with legal action. I told the woman to go do what she wants to do. I didn't make the loan IF it even exists. Also it would be small claims here in XXXX  if they try to file something. Whatever, I will go to court. I didn't make the loan.
I have responded to the debt collector XXXX XXXX, and the major credit bureaus are informing them that the debt that is being collected is not my responsibility. The debt is a product of identity theft. The address listed on the debt is an address that I do not recognize. I've never lived at this address. Also, even if I owed the debt and I do not. The debt is outside of the right four-year time frame in which debts are collectible. During the five years of disputing this debt, it has been taken off my credit report for one year and then put back on. With the address discrepancies included.
Requested on  XXXX ,  XXXX ,    2016 verification method FCRA, section 611 ( a ) and ( 7 ) letter to  XXXX . never received requested information from  XXXX .  XXXX  is still reporting on inaccurate information on my credit report.
I always make my payment on time. I am never late and try to use the card as much as possible. I had made a payment to the card without realizing I had accidentally grabbed the wrong banking information. When I realized I had submitted my payment it was already too late to cancel. Capital one advised me to wait until the payment was returned then just submit the payment again and I should be fine. So I did just that. HAD I KNOWN if waiting for the return payment to process on my account would negatively impact my ability to request a credit limit increase, I would have said something right then and there! The online system did n't not let me resubmit a payment. Might I add that I did pay my balance completely off a few days later using the right banking information. My complaint is that I tried to request a credit limit increase and was declined because of my human error. My credit is decent and I always pay on time. The customer service reps do not care about the consumer, only the interest of the company and will not remove the return payment. Now my credit is affected by this and all I was doing was following directions. All i want is the return payment to be removed from my profile. I have called multiple times and got tye same answer that i have to wait up to 12 months for it to go away. I am lost for words. Alibi want to do is get a credit limit increase and now I can not.
I am the cosigner on a Wells Fargo student loan that was taken out by my niece to finance her XXXX degree. At the time of the application, I wanted to be sure I was n't signing up for a long term commitment. I was told before any documents were signed that after two years, I could apply to have my name taken off the loan, so long as there was a history of on-time payments. I felt that was a bit excessive, since in most cases a cosigner can be removed after one year, but I wanted to get the loans consolidated with a lower interest rate. Silly me. 
At this time, it has been over four years and I am still being held hostage as a cosigner, even though the payment requirement has been fulfilled for longer than required. Additionally, although I am held responsible for the loan, Wells Fargo will not provide me with any information regarding disposition of the loan, everything must be channelled through my niece. She is also the one who must apply to have my name taken off the loan, which is not the way it was presented to me. It apppears Wells Fargo has stacked the deck so that I will never be removed as a cosigner, though that is n't the way it was presented in the beginning. 
The loan is serviced through payroll deductions, so it 's not as though a payment will be forgotten or missed. If a borrower has a record of repayment this long, I would say it 's a pretty safe bet that the necessity of having a cosigner is a moot point, and Wells Fargo should honor their promise to remove my name from the loan.
Carrington mortage company bought my load from XXXX XXXX XXXX. I 've been making my payments through them since XXXX. Always on time, never late. They have still yet to report my payments to the credit bureau and my credit score is dropping because of it. Also, they Increased my escrow by XXXX $ and I have no clu why. I ca n't get anywhere over the phone. I sit on hold for an hour and eventually get told to call back, all supervisors are busy. I 've asked repeatedly for someone to call me back, I have yet to get a returned call. I need help. What do I do? How do I get my historical and current payments reported to credit? How do I figure out why my escrow increased when my insurance stayed the same.
**** NEW CRIMINAL /COMPLIANCE CHARGES ~ XX/XX/XXXX - XX/XX/XXXX WE STILL HAVE NOT RECEIVED A SINGLE MONTHLY STATEMENT IN THE MAIL AS REQUIRED BY LAW IN 2016. THAT TIME PERIOD INDCULDES XX/XX/XXXX TO XX/XX/XXXX. 

THE NOTICES STOPPED WHEN WE DISCOVERED AND FOUGHT THE LOAN FRAUD AND THE ILLEGAL COLLECTION ACTIONS BEGAN AND HAVE NOT STOPPED WE HAVE NOW HAD 5 DIFFERENT REQUESTS TO MAKE A {$1400.00} PAYMENT WITHOUT A WRITTEN EXPLANATION AS REQUIRED BY LAW IN JUST 4 YEARS. ( OUR PAYMENT WAS FRAUDULENTLY DISCLOSED AS {$840.00} USING ESCROW FRAUD ) ALTHOUGH OUR LOAN IS CURRENT, NATIONSTAR IS STILL INTENT ON STEALING THIS WIDOW 'S HOME FROM HER AND THEY ARE NOT GIVING ME THE OPPORTUNITY TO PAY MY LOAN WHILE I FIGHT THE OBVIOUS AND PROVEN FRAUD WE HAVE ASKED FOR MONTHLY STATEMENTS OVER 75 TIMES. IT WAS ASKED FOR IN PREVIOUS CFPB FILINGS AND THEY ARE STILL NOT COMPLYING. 

WHEN ASKED, NATIONSTAR REPS SAID, OVER AND OVER, " WE DO N'T HAVE TO MAIL OUT MONTHLY STATEMENTS '' THEY ARE INTENTIONALLY DEFRAUDING CONSUMERS AND THE FEDERAL GOV THIS IS PROVEN THE MOST RECENT REQUEST FOR A {$1400.00} PAYMENT WITHOUT WRITTEN EXPLANATION WAS THIS MONTH. AS OF XX/XX/XXXX ... NO MONTHLY STATEMENTS HAVE BEEN MAILED TO XXXX XXXX XXXX XXXX FL. THEIR DISREGARD FOR THE LAW AND CONSUMER RIGHTS SETS A NEW LOW FOR AMERICAN BUSINESS.
Regions Bank has charged me {$140.00} in overdraft fees on my checking account despite the fact that I only went over {$3.00} and I had {$900.00} in my savings account at the time! I 've been banking with Regions for 15 years, but I 'll be closing all of my accounts within the next week. It should not be legal for them to do this to people.
XXXX and Equifax alike has allowed XXXX XXXXXXXX XXXX to insert a derogatory entry on my credit report and this company did NOT provide any type of notice nor dunning letter to me. By not providing me a dunning letter, XXXX XXXX XXXX blatantly forfeited my rights under the FCRA as well as in their reporting under the FDCPA. I have never did any business with XXXX XXXXXXXX XXXX. For this alleged debt, XXXX XXXXXXXX XXXX needs to provide a copy of the financial responsibility page as well as an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date and complete accounting of alleged debt -- -All items I would have requested had they provided me a dunning letter that afforded me 30 days to dispute the validity of this account entry prior to forcefully and illegally inserting it on my credit reports. 

Additionally, there are other inaccuracies to duly note : XXXX reflects a past due balance whereas Equifax does not ( Inaccuracy ) XXXX reflects an open date of XX/XX/XXXX and Equifax reflects XX/XX/XXXX ( Inaccuracy ) XXXX reflect terms of 1 month and Equifax reflects nothing ( Inaccuracy ) Equifax notes this is a medical debt and XXXX notes nothing ( Inaccuracy ) XXXX reflects a payment history of Negative for XX/XX/XXXX and there is no payment history reflected on Equifax ( Inaccuracy ) The FCRA establishes that any entry on my credit report should be 100 % accurate, verifiable and timely. The aforementioned errors prove that they are not reporting this entry accurately and too they infringed on my rights by reporting/inserting this derogatory entry without following the law.
XXXX leaked my social security number and personal information to hackers. I risk getting hacked.
XXXX 2017, XXXX I have contacted this company more than one time to get this matter resolved. I have not received a phone or any feedback. It is reporting as derogatory for XXXX XXXX. I have never live there and the application was never complete. When I was going to sign a lease they change the cost of the rent before the move date application was never complete.
I was sent a letter from XXXX XXXX XXXXXXXX detailing the sale of the leased car I had turned in early. The letter stated there is a refund amount of {$100.00} DUE TO ME, and will be mailed to me within 30 days of the date. ( XX/XX/XXXX ) of the letter. 

I have made numerous calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) involving hours of my time to the only number listed to call and I have been passed off from one customer service person to another and given excuse after excuse after excuse. My last phone communication ( XX/XX/XXXX ) I was told that the payment would be processed/ " expedited '' but that never happened either. I have received one scripted email ( XX/XX/XXXX ) from a so called " Customer Experience Specialist '' that I replied to with my frustrations and I have never gotten a reply with a resolution to my specific situation. 

I know {$100.00} is not much, and it isn't even about the money anymore. At this point I want XXXX XXXX XXXXXXXX to be held accountable for not processing refunds that they owe to me and who knows how many hundreds of other people. How many thousands of dollars do they have hiding in their books somewhere that they are assuming ( hoping ) people aren't going to bother to go to the lengths that I am to get what is owed to me?
In XX/XX/2018 I took out a loan of XXXX. XXXX takes out XXXX dollars every 2 weeks. Upon trying to pay off the loan in XXXX, the payoff is only XXXX. In California the legal interest rate for a XXXX dollar payday loan is XXXX dollars. I have paid beyond that in interest. This is very illegal. My payoff should be less or completely paid off already. 

I called in XXXX. No one called back. I sent out a email in XXXX and no response. I have sent out another in XXXX.