WillisBack/dataset-financial-user-claim huggingface dataset:
In 2007 I purchased a condo in XXXX and took out a mortgage with mortgage company XXXX. About 2 years later, that company filed for bankruptcy and reorganized under the name XXXX. The statement looked the same but were in a different color. I was suspicious but continued to make payments. Three months ago I received a letter from XXXX informing me that they too are filing for bankruptcy and that I am being assigned to a new agency called NationStar Mortgage. This letter also stated that payments made to XXXX would be automatically forwarded to NationStar for 60 days. The payments I continue to make to XXXX have not been cashed. 

I have never received any certified mail or legitimate looking paperwork from XXXX or NationStar. I just recently received the foreclosure notice on XXXX/XXXX/15 by certified mail. I then consulted an attorney who was also suspicious and told me he normally does not handle these type of problems and suggested I contact your agency for assistance. I have never received any information from the lenders bankruptcy court regarding the disposition of my debt with XXXX or XXXX. Prior to XXXX, my credit score was approximately XXXX. I obviously pay my bills. 

I made my mortgage payment to XXXX in XXXX, days before receiving the notice about the change over. The following month I received a letter from NationStar saying that they never received my XXXX payment and also added a late fee which probably negatively effected my credit score. In an attempt to sort out what happened, I called NationStar however, before speaking with a representative, there was a disclaimer that stated the following : " Please be advised that NationStar is a debt collecting agency and any information provided will be used to collect that debt ''. I immediately hung up the phone. 

I am suspicious for two reasons. First, NationStar is listed on the Better Business Bureau with a F rating and thousands of complaints have been filed against this company. And second, I 've heard many stories of companies grouping mortgages together, selling the loans as a bundle with the buyers of that debt collecting money for properties that they do n't even have proper title to. I am concerned that when I finally pay the mortgage off, they will not have my documentation and essentially run off with the money. Additionally, on the new NationStar statement, it says " The Principal Balance does not represent the payoff amount of your account and is not to be used for payoff purposes ''. For all these reasons, I have not made payment to NationStar. 

Last week I received a foreclosure document from NationStar. It states that the foreclosure will be lifted if I pay the delinquent months including late fees. The FTC website states that " By law, a debt collector is a person who regularly collects debts owed to others. Your mortgage servicer is considered a debt collector only if your loan was in default when the servicer acquired it. '' Prior to NationStar trying to collect, my account has never been in default.
XX/XX/2018 - I tried to log into my account at XXXX / Goldman Sachs Bank USA, and was given a screen with new types of agreements that I had to digitally sign. The company would not allow me to get into my account until I signed all of these agreements. One of the agreements they required me to sign was an Authorization to monitor my credit reports whenever they wanted to. There was no way for me to agree to other agreements that make sense ( Privacy agreement, ACH authorization, etc. ) without agreeing to allow them to monitor my credit at any time. I view this as an Unfair, Deceptive or Abusive Act or Practice under Dodd Frank. A company should not condition my access to my online account on signing an authorization to monitor my credit at any time. I would like XXXX / Goldman Sachs Bank USA to discontinue this deceptive practice as soon as possible.
Completed an international wire transfer to XXXX on XXXX/XXXX/2017 in the amount of C {$55000.00}. The amount sent in USD was {$43000.00}. Giving an exchange of rate of 1.292599. Historical data shows an exchange rate of 1.3249 on XXXX/XXXX/2017. There were no disclosures given to me our my company at the time of the exchange.
Our loan servicing was moved from XXXX XXXX XXXX XXXX to LoanCare LLC, effective XXXX XXXX. Our on-time payment to XXXX XXXX  XXXX for the XXXX of XXXX, was not posted by LoanCare until XXXX, causing us to pay an additional 12 days of interest. Since that time, all payment made have been electronically transmitted through XXXX XXXX Bill Pay to this company - and all of them have been received by LoanCare prior to the due date, but posted a few days into the month - every single month. We have three other mortgage companies - all paid electronically through the same process, and all of the others post on time. We never had this problem with the prior servicer, XXXX XXXX XXXX. Here is what we have been dealing with : Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX This means that not only are they in receipt of the ACH remittance from XXXX XXXX early or on time - but that all of the other Regions customers that are included in this remittance are also in the same boat. They are not posting our payments timely and are charging us interest for additional days when it is not due to them. Please advise. Thank you.
Several years ago I refinanced my mortgage loan to pay off my school loans. When I did so, I was assured the flood insurance would be the same as the the loan I initially had my loan thru. In the refinance process they sold my loan to BB & T assuring me the flood insurance requirement would be handled as it had previously, that being I would pay for flood insurance on the outstanding principal of my loan. My house is assessed for taxes at {$78000.00}. Resale value is between {$80000.00} and {$85000.00}. My refinanced mortgage balance is {$45000.00}. BB & T is assessing my flood insurance on {$110000.00}. I contacted them several time and received no satisfaction. I was told the rules set forth by the National Flood Insurance Refort Act of 1994 is a standard, not a law, and the bank is not required to follow it, that they make their own rules. I feel this practice is unfair and deceptive.
I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX  was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! _____________________________________________

Auto Dealers? XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX Citizens One XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
_____________________________________________ XXXX XXXX   XXXX  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX
I deposited {$1000.00} into my checking account on XX/XX/XXXX, I then made a check payment for {$1100.00} on XX/XX/XXXX. My checking account reflects the {$1000.00} deposit CREDITED on XX/XX/XXXX which SHOULD HAVE COVERED the check, ALL SAME DAY XX/XX/XXXX. I called customer service on XX/XX/XXXX, they then said they refer to someone else. I spoke with a different customer service department XX/XX/XXXX. Bank states my account was overdrawn, which it was NOT as reflected on online banking DAILY balances. Bank is in error, the {$36.00} fee rightfully should be refunded. The deposited {$1000.00} would have covered everything ( in addition to current ending balance ) which again POSTED on XX/XX/XXXX. I have been with PNC for 30 years! You think alittle customer appreciation would of happened here. I should not have to be spending my time trying to rectify this situation.
On my Experian report it states that as of XXXX XXXX, I owe {$440.00} to XXXX XXXX. I have repeatedly disputed this as it does not belong to me. It belongs to my ex-wife as we have been divorced since XXXX. *This account was removed from my report in XXXX and reappeared under another collection agency XXXX XXXX XXXX in XXXX.
This debt was discharged in my chp XXXX and is being reported as being late. This was discharged XX/XX/2017. Did show discharged now showing late.
My first name is XXXX, I am part of the class action lawsuit against Global Client Solutions for Processing Illegal Debt-Settlement Fees I was their client in XXXX XXXX, New Jersey, I got a mailer from the company to use their service for Credit Card Debt. I paid {$300.00} each month and was told to stop paying my credit card bills. My ex husband did the same thing with the same company, around the same time and was award a refund for this class action. 

I 'm trying to find out how I can claim my share of the settlement. I paid a total of around {$3000.00} and learned my debt was not paid off. 

I 've since moved to XXXX and have had no correspondance. Please let me know how I can find out if I can receive part of the settlement and what documentation I need to provide. Thank you.
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX. XXXX Calls came XX/XX/18, XX/XX/18, XX/XX/18 CALLER WOULDN'T NOT ID THEMSELVES UNLESS i GAVE THEM PERSONAL INFORMATION, SUCH AS BIRTHDATE, ADDRESS OVER THE PHONE. I DO NOT DO that. If its a debt collection I don't have a clue who.what where & when. To my knowledge, No paperwork was ever received. 
Here is copy of email I sent after I was able to ID thru caller ID on my phone. 
Phone call from FrontLineAssets. XXXX XXXX XXXX FIRST OF ALL I DON'T KNOW WHO YOU ARE AND I NEVER RECEIVED ANY MAILING FROM YOU.What you think I'm STUPID? If you are trying to collect some kind of debt I want to know who, what where & when!! I do not have any paper work referencing your company You call and say is this XXXX XXXX? 
I say : Yea You say : Confirm your birthday and address? 
I ask who are you? 
You say I need your birthday & address I say, who are you? 
You say : Confirm your birthday and address? 
O.K I won't play you stupid phone game. 
I said goodbye & slammed the receiver in their ear. 
XXXX NO I'M NOT GIVING MY PERSONAL INFORMATION OUT OVER THE PHONE.!! 
SO IN CLOSING, I WANT TO SEE SOMETHING IN WRITING ABOUT WHYY YOU CALLING ME! 
IF YOU CONTINUE TO CALL ME IN THE ABOVE MANNER & NOT ID YOURSELF OR REASON FOR YOUR CALL I HAVE CONTACTED CONSUMER DEPT, PA ATTORNEY GENERAL OFFICE.ON SECOND THOUGHT I'M COPING THIS AND EMAIL IT TO THEM
In XX/XX/XXXX ( or XX/XX/XXXX, I don't have my records at hand ), my bank, Wells Fargo, summarily closed my checking account, freezing my funds and providing no explanation as to why such an action had been taken. I am only reporting this now because I assumed I had no recourse until I read today of a Wells whistle-blower from a XXXX branch being fired for exposing this widespread -- and illegal -- practice on the part of the bank whenever any type of fraud was suspected to be associated with an account. In my case there was no fraud. After many phone calls to many extremely unhelpful Wells employees ( a few of which flatly stated that it would be impossible to reactivate my account ), I was finally able to ascertain that the closing was due to an alleged transaction with my credit union in which Wells claimed I had deposited or cashed a check for which funds were unavailable. Even after I contacted the management of my credit union and was assured that no such action had occurred, Wells refused to reinstate my account. ( This after I had held the account for over thirty years. ) Concerned that my credit rating would be effected, I persisted, and after more than two weeks of constant effort I finally contacted a sympathetic Wells who assisted me in reinstating my account.
This company just bought my loan in the past six months. Company is reporting false information. I 've never been late with them.
I had XXXX accounts with credit central. In the last few months I got behind. I started paying XXXX check for XXXX accounts each month. I advised the manager XXXX XXXX on several occasions that I was paying XXXX check for XXXX accounts. She continued to insist that I was behind even though I was paying XXXX check for the XXXX accounts each month with late fees included. In XX/XX/XXXX I went to the location I discovered my account was overdrawn and stopped to tell her the check I wrote would bounce and told her I wanted to pay her cash to take care of the bad check, the fees, and bring my account current through XX/XX/XXXX. She said the amount would be XXXX. I had XXXX. She did n't have change and had to go to the bank. She was gone half an hour while I sat waiting. She then took twenty minutes to figure out how to post the money. She printed me XXXX receipts total. First she printed XXXX, XXXX for each account. When I saw she charged me a returned check fee two times for XXXX check she called corporate. They told her there should only be XXXX fee. She then reposted my cash, printed me XXXX more receipts XXXX on each account, and when I saw the remainder on the small XXXX was XXXX I then gave her cash to pay that off. I told her I would be back in XX/XX/XXXX and she agreed. Then three days later I got a call that I owed te bad check and fee when I had just paid it. I advised tee to have XXXX call me. She left a voicemail I tried three days to call back but she was always in lunch as I am only call at lunch when I am not having a business lunch. We played phone tag. After two weeks of working solid teaching classes I called and tee said I owed XXXX my payment on the account not paid was around XXXX. Tee said I owed the bad check, the fee, two payments and late payments and another XXXX she could n't explain. I looked at the receipt XXXX and none reflected I paid XXXX for all of that. The only receipt that was right was the one that showed I paid off XXXX account for XXXX. The others did not add up to XXXX cash I had given her. This manager either posted my money wrong or flat out stole it. I no longer have the receipts but I am sure the company must be able to pull things like that. Two years ago they called me and said I was late on a payment I had given them when i went to pay the payment after cancelling the check they said they did n't have, I showed the girl at the desk that my check was laying right there on her desk ( the XXXX I had paid to cancel ). I drove up there on lunch to give them something they already had. I should have filed a complaint then but did n't.
THIS IS XXXX XXXX XXXX AGAIN.YOU KNOW ME.I WRITE A COMPLAINT ABOUT XXXX & XXXX ABOUT THERE HARASSMENTS.I 'M WRITE THIS FOR MY MOM SHE AS HEALTH ISSUES. WE ARE HAVE PROBLEM WITH PORTFOLIO CALLING AND HARASSING US THEY HAVE CALLED THE HOUSE 34 TIMES.MY MOM IS SICK OF IT.AND XXXX XXXX XXXX IS STILL CALL US ABOUT 7 TIMES WE ARE SICK OF THEM CALLING AND HARASSING US, AND SENDING LETTERS.I WISH THEY WELL STOP XXXX LEAVE XXXX ALONE. YOU CAN SEND THE INFORMATION ON MY MOM EMAIL ADDRESS.MY EMAIL IS NOT DOING RIGHT.THANK YOU.AND XXXX XXXX XXXX RINSING THE WAGES.
Pinnacle financial LLC has reported the same account of my transition report. Requesting {$720.00} instead of the {$360.00} that I owe. I feel that if I go further they will want all XXXX not the XXXX. 
Can you help me sort this situation? 
Sincerely XXXX XXXX
I feel like i have exhausted all efforts with XXXX and TransUnion Credit Bureau in trying to have fraudulent accounts and information removed from my credit. It is exactly 6 months today and i have not seen any type of relief what s ever even though i have supplied them with a police report and my social security card and Dl. I originally had 3 unknown social security numbers on my credit and a host of unknown addresses .... that information has since been removed but not the credit and collection accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I signed up for a Citigold checking account after receiving a promotion offer for XXXX XXXX XXXX miles. I met the requirements of the promotion and sent a message to Citi to verify that the requirements have been met and the miles will post. Citi replied that the requirements were met and I should expect the points by the end of XXXX. When the miles did n't post I contacted Citi again and was told they do n't see that I was targeted for the promotion and will not receive the miles. I tried explaining to them that I have the message from them showing that I met the requirements and promising the points will post but they are not willing to honor their offer. 
Citi claims they gave me XXXX points, however this was not the promotion promised to me on sign up. Citi needs to keep their promise and give me the XXXX miles.
I purchased a XXXX XXXX from a person who showed up at my home. I regretted the purchase and the next day delivered my cancellation notice, according to the contract. The company, XXXX and XXXX or XXXX XXXX ( running under two names, Im not sure which is legit ) acknowledged receipt and we were told they would process the cancellation. They never did. According to contract after 10 days my deposit was to be returned, no return. After 20 days, according to contract, I could dispose of the product or keep it with no further obligation. After not hearing anything, on day 20 I contacted the finance company, XXXX XXXX XXXX XXXX, and told them what happened. They confirmed I followed the steps. They finally got a hold of the company, after I contacted them. The company didnt process my cancellation. They disrespected my family and treated us horribly. They sent someone to my home at XXXX at XXXX  with no phone call or anything and then they guy through a fit on my porch when I wouldnt answer the door to give him the product. The company didnt follow the contract and I was nice enough to alert the finance company. They had all the evidence and confirmed that to me we followed the contract. BUT thats when things changed. I told them I was no longer under obligation to give the vacuum back according to contract. XXXX XXXX XXXX then contacted me, told me they'd damage my credit if I didnt give it back. They accused me of lying after we supplied the evidence that we followed the contract. I read the contract and the lady, XXXX, told me she didnt care, she was going to hurt my credit. I did everything I was supposed to do and the finance company threatened me repeatedly, even though I followed the contract and XXXX XXXX XXXX didnt and even admitted they didnt. XXXX XXXX  XXXX and the shady XXXX XXXX XXXX worked together to threaten me and my credit which could affect my employment. XXXX XXXX XXXX XXXX is crooked and people should not do business with that company. I felt defenseless and backed in a corner with no help. I followed the contract stipulations and XXXX XXXX   XXXX did not but XXXX didnt not care and threatened me. I told them if I didnt honor the contract they would hold me to it why were they not taking it up with XXXX for not obeying the contract? She said she didnt care, had nothing else to say to me and that was it, she was going to leave it on my credit. I dont have the time or ability to fight this although I can prove I followed the contract and they broke it. I finally scheduled a time for them to come pick the product up, over a month late after being threatened with my credit, although I had no obligation to since I followed the contract. XXXX XXXX XXXX XXXX is a bad company. I believe they work with this shady company to trap people and then threaten them. The company, XXXX XXXX  XXXX, says their name is XXXX XXXX when all of their receipts and paperwork say XXXX. According to XXXX, XXXX XXXX  XXXX has horrible reviews and shows that it is closed. Very shady business practices.
I have filed more CFPB complaints against Equifax than I can count. The company has repeatedly failed to take proper action to correct my credit report. 

I have nearly a dozen accounts with incorrect information on my credit report. This includes incorrect balances, accounts that are closed being reported as open and duplicate accounts. I have notified Equifax of problems with my report multiple times, you can view my complaints with the CFPB as proof of this. 

For example, my credit report lists XXXX open XXXX XXXX accounts when I have XXXX open accounts. It lists XXXX open XXXX accounts when I have XXXX open account. It lists XXXX open Comenity accounts when I have no open accounts. The list goes on. Some of these accounts have not been updated in years. Equifax tells me it 's the creditors fault. The creditors tell me it 's Equifax 's fault. Nobody wants to rectify this. 

I have spoken to the public affairs department at Equifax which is rude and unhelpful. A gentleman took a dispute from me but so far nothing has happened with it. The creditors have ALL CONFIRMED THEY ARE REPORTING TO EQUIFAX O THE PROBLEM IS WITH EQUIFAX NOT THE CREDIT COMPANIES. 

There is XXXX a problem with my report where information that is being reported by the creditors is not being updated for some reason. My other credit bureau reports are updated fine, so I know the creditors are reporting. This is happening with a multitude of creditors too, so it 's not just XXXX company that is having a problem placing information on my Equifax report. Accounts are updated for a few months, then the reporting stops and I am left with incorrect information ( i.e. that closed accounts are open ). This is a huge problem and has a huge impact on my credit.