WillisBack/dataset-financial-user-claim huggingface dataset:
Date of service XX/XX/15, amount {$1900.00}, original creditor XXXX XXXX XXXX. I was not in town during the date of services rendered, have proof of this. 

Have called multiple times to clear as this is not me, date of birth does not match, home address incorrect on hospital files. have disputed this at least 4 times with credit agencies. Each time I am assured that this will be resolved and hasnt been. Placed a hold on credit to help in future and fear identity thief. 

In the process of closing on home and this will affect it. have explained this to both creditor and hospital. appears that insurance is associating with me on their files.
I had a vehicle Financed through XXXX XXXX. I paid the monthly on time every month except one month I had my payment defered. I traded this Vehicle in for another in XXXX of 2015. My credit report shows a repossession of said vehicle and I have disputed this with the bureau several times. And every time it comes back verified. I have contacted XXXX about this and they tell me they have not verified anything regarding a repossession on my account. I have sent numerous letters to the reporting credit bureau to no avail. My next and final option is a lawsuit against the credit bureau for damages caused by their lack of effort in correcting the matter.
XXXX XXXX we had a house fire and asked for time to pay due to the fire. We was told to pay and get the house taking care of by our home owner insurance. {$60000.00} was sent to SHELLPOINT MORTGAGE and the repairs where not complete. We told Shellpoint Mortgage the homeowners insurance was having a problem with the completion to finalize the repair. Shellpoint Mortgage told us to get a attorney and all the money to finish repairs are going to be placed on the mortgage account. So after months of trying to get the attorney we started repairs with my XXXX money and again asked for a mortification. 
Shellpoint Mortgage told us in XX/XX/XXXX they would start the mortification for our home. 
XXXX XXXX we was hit by Hurricane Harvey. I contacted Fema, Texas Department of Health, our homeowner insurance XXXX XXXX XXXX XXXX XXXX. Everyone put our home repairs including the Shellpoint Mortgaga on hold and started to the Hurricane procedure. Changing our Mortification contract person and asking us to resend all papers to 5 different people at Shellpoint Mortgage. On XXXX XXXX we we were sent the mortification papers once again after sending over 60 papers before XXXX XXXX. XXXX XXXX a attorney sent us some papers from Shellpoint Mortgaga stating they are hired to foreclosure processing against us. 
I'm XXXX XXXX XXXX a XXXX XXXX Receipt
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due   XXXX  /2017, 60 days  XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Carrington Mortgage Services denied a loan modification request on XXXX/XXXX/15. We have since submitted an appeal along with supporting documents to substantiate additional income by requesting a review of the file XXXX loan # XXXX XXXX. After many phone calls they finally admitted they were in receipt of the documents as of XXXX/XXXX/15. We were told that the review will take up to 30 days. XXXX/XXXX/15 came and went, no word from Carrington Mortgage Services. Many calls later, we are hearing conflicting statements from their representatives. Promises of phone calls for an explanation for the outcome of their review produced only nothing. I, XXXX XXXX residing at XXXX XXXX XXXX, XXXX XXXX, MA XXXX, am appealing to the Consumer financial protection bureau to look into this matter. It seems that Carrington Mortgage Services is acting in reckless, deceitfull and unprofessional way XXXX.
Have had a mortgage loan with XXXX for the past couple years since refinancing with them in XX/XX/XXXX. The loan servicing was switched from XXXX to SLS Loan Servicing on XX/XX/XXXX without my knowledge or input. I received a letter the XX/XX/XXXX from SLS informing me of his change. The letter stated that nothing about my note or mortgage would change. I then got another letter at the end of XX/XX/XXXX stating that a {$2700.00} lender placed hazard insurance policy would be placed and the payment would increase by {$110.00} per month starting XX/XX/XXXX unless I found my own policy within 45 days ( note : there was only about 30 or so days til XX/XX/XXXX at the time ). This forced policy amount was double what I had been paying to escrow for hazard insurance. I then got an agent and found a policy for {$1500.00} which went into effect on XX/XX/XXXX, however the payment did not decrease at all and I was told that I still owed the difference from my my {$660.00} payment to the increased payment of {$780.00} even though I had purchased a much cheaper policy which would 've brought the escrow back down well before XX/XX/XXXX. I was also told by an SLS rep that there was a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX and that {$480.00} was taken out of my escrow account by SLS to cover it because they did not accept the previous hazard insurance placed by XXXX even though I was never informed that I did not have coverage at any time until today. I was not given any notice ahead of time about the transfer of servicing or the lapse in coverage in order to get a policy before hand and prevent a lapse. On the contrary, I was told that nothing would change in the letter I received at the end of XX/XX/XXXX ; even though the rep in the Hazard Insurance Processing Center for SLS stated that the lapse in coverage is standard on all loans from XXXX to SLS. Than no Hazard Insurance policy is ever continued from XXXX to SLS. I think it is horrible business practice to plan and execute a transfer of loan servicing, allow a lapse in Hazard Insurance coverage, then charge the only party in the transaction who had no knowledge or control over anything ; after the fact. This could have been prevented by simply informing me 30 to 14 days BEFORE the transfer of the loan. Now I have an unpaid balance of {$110.00} on my XX/XX/XXXX mortgage payment as well as a deficit of {$480.00} in my escrow account that I just found out about today. Please assist.
Due Date : XXXX of every month Payment Received : XXXX/XXXX/XXXX - {$73.00} XXXX/XXXX/XXXX - {$52.00} XXXX/XXXX/XXXX - Late Payment of {$15.00} assessed, reduced to {$8.00} XXXX/XXXX/XXXX - Contacted NAVIENT regarding late fee advised late fee was for month of XXXX and XXXX XXXX but could not provide clear amounts. I requested a statement showing that this outstanding balance was for late payment in XXXX and have not received anything and was told they do not need to show proof that this was for a late payment, no late payment is listed on the statement, instead the {$8.00} amount is listed under " other fees '' however on my online account shows " late fee assessed ''. The {$15.00}?? amount is not listed anywhere. The representative could not even provide me the correct amount of the late payment. 

XXXX/XXXX/XXXX - Late Payment listed on the account and advised by NAVIENT that if I feel I must complain they do not need to show proof or a breakdown or any notice of what fees are for. I was next told I probably " missed '' it on my account when I had automatic payments set up. Supervisor told me, " If it makes you feel better go and file a complaint we are not providing documentation showing the " other fees '' as late fees nor will we provide documentation with a breakdown showing the amounts of the late fees and what months they were for. Says " late fee '' was assessed by XXXX but could not show proof. 

Also now that they " waived '' part of the {$15.00} I have nothing to connect it with and no idea where they got this amount from. Late fees should not be assessed by a prior Loan Servicer 4 years after the fact. Makes no sense.
Wells Fargo permitted un authentic ACH request documents to be submitted on my behalf that allowed ACH money to be transferred out of my savings account. ( {$70000.00} ) Wells Fargo did not verify with me the documents the received, did not verify my signature on the document or any standard verification for ACH set up. Wells lacked sending me the standard alerts which are typical for a " new '' bill payee and I did not get the normal account notices when money is transferred from my checking or savings. 

I personally tracked down all XXXX from the information I gathered on the bank statement the day the theft was discovered. I located a legitimate XXXX company in XXXX called XXXX XXXX XXXX where the money was sitting. I had the accounts frozen ( bogus accounts were set up in my name to accept the ACH transfers ). Wells Fargo has never called, its been 7 days. I complained to my local branch office on XXXX/XXXX/2015 and still today have received NO communication from the local branch employee. 
A stop payment of XXXX was successful for the last few transfers, that was verified Friday however Wells Fargo has not given me that money back yet. It is MY money. 
Today I verified that the remaining XXXX has been successfully wired back to my accounts. This was done by me. Wells still clueless.
Paypal switched my account to a credit account without my knowledge or consent. I started receiving persistent phone calls from an unknown number sometime in XXXX, 2015. After an incredible number of calls night after night, I finally had to answer XXXX of the calls in an attempt to stop the nuisance. After responding to prompts from a computer, a real person came on the line. She told me she was with Paypal and if I would give her some personal info she could tell me what their calls were in regards to. I would not provide her with any information since I had no idea why PP would be calling me at all or if indeed she was with PP. I will say, however, that she was professional, but would not tell me what the nature of her position was with PP ( e.g. collections, security, promos ). She advised me to go to my online account and see if there was anything amiss ( my word ) on the account. This is how I discovered that I had over {$100.00} on a PP credit account, including interest charges and {$25.00} and {$35.00} late fees. 

I disputed as many of the charges as I could and ultimately received credits for the charges ( apparently not the fees however ). After giving it some thought though I realized that the charges were in fact legitimate and it was the PP credit account that was the scam. I will attempt to reach out to the merchants next week to reimburse them directly if at all possible. 

Today, XXXX/XXXX/2015, I received an email from PP that I had a {$35.00} min payment due on a {$52.00} balance. This is the first contact I had received since the XX/XX/XXXX/XX/XX/XXXX occurrences. I had no idea what this was about. When I went online to my PP account I discovered that the {$52.00} included a {$35.00} late fee from last month, a {$2.00} min interest charge, and some leftover purchase charge ( s ), although for what is anyone 's guess. I stopped using PP altogether after the earlier episode. 

I called PP customer service. I was transferred to the credit people. The man " offered '' me a one-time " courtesy '' of a {$35.00} credit for the late fee. This left a {$17.00} balance. I wanted to wait to see if indeed he had issued the credit until I paid, but he informed me that after today there would be another {$35.00} late fee applied - and of course - no " courtesy '' on this one. He wanted me to give him my checking account routing and account number, but I would n't do it. I was able to pay the {$17.00} via the PP website from my account login. I would say that judging from his tone I was not the first caller to have this conversation with him. He was not unpleasant, but I felt that he was controlling himself, actually better than I was. 

This is a huge disappointment as I have used PP for as long as I can remember. Why eBay would do this to thousands of loyal customers is unimaginable. If you or someone you know has been a victim of PP credit please speak out and file a complaint. Let 's hope they pay both in real money penalties and in the marketplace.
I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I never received any bills jus harassment phone calls.
The Bureaus has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I submitted a previous complaint and I am not happy with the response ( attached ). First and foremost they are stating I was not discriminated against when clearly I was. I would like someone to listen to the call as stated in the previous complaint when I was denied the option to change my payment options so I will not miss my forbearance payment arrangement. However as we fast forward to today I am now out of the forbearance agreement due to missed payments ( interesting ). The original complaint had to deal with me calling to make a payment and in the end they did not believe it was me and refused to take my payment. I was already in a financial hardship and now they have caused me even more pain. I want the credit reporting stopped until this issue is resolved. In the letter I was told I can make a payment. Please note I am locked out of my online banking and my statements are sent electronically. My last payment amount was {$20.00} a month in the forbearance agreement my new payment is unknown. I tried calling in XXXX 2017 again to try to rectify the situation since I have not heard back from the first CFPB complaint. I was transferred to credit department or collections not sure exactly which one. Where I was told that my credit will be fixed and they would take a payment. When I was transferred the call was lost. I then called back was given the number to the department I was being transferred to and again the call was lost. When I called the number to the department I was being transferred to it was a fax line. I had to get back to work so I was unable to attempt a 4th try. I want my credit report fixed and to be compensated for the hours I spent working on this issue. I spent well over 4 hours to rectify this and still nothing. The best result give me a settlement offer of 40 % of the balance and we can call it a day and we will never see speak to each other again I can promise you that. And most important as I stated previously FIX MY CREDIT due to your error.
The school referred me to the lender. After obtaining the loan my school closed. I 'm upset because I was indigent at the time and they required my grandfather to co sign. I am unable to apply additional payments and by the time I pay it off it will be more than XXXX paid on a XXXX loan. I have been unable to work out anything with the lender other than a deferment. Private loan through Granite state management and the lender continues to contact my family members and cosigner even though my payments are on time and up to date. It is all very upsetting to my elderly grandfather/co signer. My payments keep going up also and it is a tree loan which we were unaware of. The interest is ridiculous and the loan was misrepresented.
I applied for PayPal 2 % cashback MasterCard and was approved for a starting limit of {$5000.00}. I received the card which clearly states it's a cashback credit card on the back as well as the design for such card. Even the billing statement states all the benefits for such card, which is no minimum redemption amount and no rotating categories. However, I was given the benefits of another card which is the PayPal Extras MasterCard which is based on points and rotating categories. I called their customer service and spoke with one the agents, her name is XXXX, who stated that I earn points plus the 2 % cashback and that the cashback is converted to points. I also spoke with one of the supervisor, his name is XXXX, where he confirmed what XXXX just said. So, I applied for the PayPal 2 % cashback MasterCard and was given the perks of another card which I clearly didn't apply for. Also, If they applied for the PayPal Extras MasterCard, Why didn't I get the correct card design, or how my statement thinks I have the cashback version of the card and at the same time treating it as the Extras version.
Collection agency put debt on credit report without attempting to contact first. Agency will remove and collect properly or I will sue them. They will contact me by mail only. 

Refer to complaint # XXXX
EXPERIAN HAS OUTDATED IDENTIFYING INFORMATION ON MY CREDIT REPORT WHICH NEEDS TO BE REMOVED.
I contacted Hunter Warfield and advised them that I am unaware why they are reporting on my credit file. I was advised that I am being charged for accelerated rent for XX/XX/2014. I advised them that I need them to send proof of why they are trying to collect wrongfully unauthorized charges. They sent me a copy of a lease that was completely falsified. I called them back and told them I never seen that lease and the dates of the lease are incorrect and the charges in the ledger are not accurate. I previously had a dispute with that creditor many years ago for wrongfully reporting made up charges which resulted in deletion off rental history. They advised that they will not remove the reporting unless it is verified inaccurate by leasing company. I asked what if they stand by their false charges and no one had anything to say. I pleaded with them to remove reporting until this is resolved as this is the only negative thing on my credit and it is hurting me drastically and unfair to have a reporting that is not true reporting on my credit. They refused to remove reporting. I think it this is very unfair. They have not verified the legality of this charges so why are they reporting a collection account on my account? I never even lived at that place during those dates. These charges are fraudulent.
I applied for a loan to purchase a ticket to a XXXX XXXX event. The company Equitable Acceptance is the financing company which XXXX XXXX uses. Initially they pulled my credit report in XX/XX/2017 to see if I was eligible for financing and I was approved for the loan. However, they pulled another hard inquiry again in XXXX which I dont know why and I did not allow. Since then, the loan has been completely paid off years before the due date.
Submitted request for VA XXXX, and have experienced delays, misunderstandings, reassignment, escalation, and ignorance of VA XXXX guidance under VA XXXX XXXX in regards to my VA XXXX review. Was told last night that VA XXXX request is denied, and that they have no knowledge of Principal Reduction Alternative outlined in VA XXXX XXXX.
Years ago in XX/XX/XXXX or so, I was attending XXXX University online. Federal loans did not cover my expenses, so they convinced me to take out a private loan. They later told me I needed a cosigner and I asked my mother to co-sign, which she reluctantly did. The original loan was {$20000.00}. In XX/XX/XXXX, I was diagnosed with serious health issues and could no longer work. I went on XXXX in XX/XX/XXXX. My mother passed away in XX/XX/XXXX. I tried to reach an agreement with XXXX XXXX now Navient with absolutely no luck. Now in XX/XX/XXXX, they are sending threatening letters to my mother and I. I told them that my mother passed away, but that did n't seem to matter. Now they have sent this account to collection agency after collection agency. I think there have been at least XXXX this year. I had my federal loans discharged due to total and permanent XXXX in XX/XX/XXXX. Navient flags this account every month and continues to ruin my credit. They now claim the loan is almost {$79000.00}. This will never be able to be paid off.
The amount of {$8500.00} is being reported by XXXX XXXX XXXX as in " Collection ''. This account has truly stumped me because it was originally owned by XXXX XXXX XXXX XXXX XXXX, which I believe from the bit of research that I 've done, was owned by the XXXX XXXX XXXX XXXX.
The confusing thing about this debt is that it was recently opened a year ago but was never reported in collections before that by the original creditor or any other party. There was no letter to verify that I own the debt. It also states that I am a co-signer for the account ; I believe this to be untrue.
I have contacted XXXX XXXX XXXX to verify the debt and have also disputed it several times. I have also disputed it with XXXX and they have also refused to verify the debt, simply stating in the " remarks '' section as, " Dispute resolved : reported by grantor ''.
I believe this all to be a breach of the FCRA ( Fair Credit Reporting Act ). I am now willing to take I would like to get this situation resolved as quickly as possible. Please let me know if you need any more information.
Thank you.
I am a victim of Identity theft, as soon as I was notified of this I immediately informed the FTC as well as all XXXX major credit bereau 's and any corresponding debt collectors or agencies. I initiated several disputes in compliance with federal law. My disputes were granted and the fraudulent info was removed from all XXXX of my credit files. As of XXXX/XXXX/2015 I was given notice by letter from the reporting agencies stating that after a thorough investigation my disputes will be honored and this fraudulent information will forever be removed from my credit file. The false info affecting my credit file is XXXX XXXX. This fraudulent info has now reappeared on my XXXX credit report again and displays even more fraudulent info that is inconsistent with the initial claim : I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, 2015 Collection Agency I C SYSTEM Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, 2015 Closed Date -- Responsibility Individual Balance {$230.00} High Balance {$230.00} Remarks Placed for collection