WillisBack/dataset-financial-user-claim huggingface dataset:
I tried paying my bill using their website. It showed that my payment went thru but 30 days later i got notice that they never received my payment and put a 30 day late on my credit report. i immediately called them and paid the bill and never used their website again to pay my bill but the 30 day late is still on my report and has damaged my ability to get the best rates on home and auto loans thru no fault of my own.
Shellpoint Mortgage Services XXXX, fraudulently Increased the interest rate on my mortgage and then put my loan into collections when I disputed the new interest rate. I submitted my " borrowers copy '' of the loan documents stating the rate of 2.25 % for 40 years. They have not provided me any information and have placed me on a " dual track '' accelerating my loan into collections and foreclosure while they are " reviewing '' my dispute. I have never been able to speak with or have received any communication from a personal loan specialist over the past 4 months. I have spoken to over XXXX different customer service agents, non of which can help me and give conflicting information each time I call. I have been given longer " review '' times for my interest rate dispute each time I call. The first time I called I was told the review would take XXXX4 days, then up to a week, then XXXX14 days, then up to 30 days and the last time I called they said it could take up to 45 days, but no one is ever available that can let me know where they are in the process or provide me any information. I have recently been told that they may file for foreclosure on my home in 2 weeks. I have been paying my mortgage for 10 years and I was never late on a payment. I just do n't understand why Shellpoint Mortgage Services is allowed to play games and not give me a point of contact that actually works there and I 'm able to speak with.
Received A XXXX prepaid credit card in the amount of {$50.00} fro my sons Birthday less than 2 years ago with a n expiration date of XX/XX/23. At the time we had no use for it and kept it inside a safe along with other gifts. When we needed to use the card we were told that it had a XXXX  balance and in order to restore funds, we need to provide the receipt! We explained to them on multiple phone calls that we did not have a receipt since the card was given to us as a gift. The vendor has repeatedly said that they will not provide the funds till a receipt is provided. I have provided the vendor photos of the card and its original packaging as well as a copy of ID as proof.
I have been working hard to avoid foreclosure on my home at  XXXX   XXXX   XXXX  and each time I get close to finally completing a short sale,  Ocwen  puts the property up for auction. A contract was presented  to Ocwen and after months of waiting for their review, they came back with a counter-offer and then had the property in foreclosure without giving the buyer the opportunity to respond to the counter. Ocwen was then given a better net amount than they requested but still the property is in foreclosure. This has been such a mentally draining process and it seems that the closer I get to completing a short sale, I keep getting resistance from Ocwen. Please help and have the foreclosure lifted and this short sale completed once and for all.
Complaint on scam XXXX XXXX XXXX asks for my SSN over the phone and personal information about my last year tax return. He also ask about how much I make a month and lot of personal income information. He stated he needed this information to see how much I owe to Federal Student Loan. I 'm worry because I gave my SSN and some of my personal information over the phone. I tried to look this company up under XXXX and nothing is coming up. XXXX XXXX stated they were legit. I copy some information from the email I was sent from XXXX XXXX, which is provided below their address to this so called company and the name. He stated they help with Student loan and to get People down to no payments or low payments and he also requested for me to attach income documents to email. XXXX XXXX phone number should up as a XXXX phone number but he stated he was located in XXXX and gave me a XXXX contact number which is provided below. I provided the company information below : The Student Loan Relief Department Contact us XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX direct line XXXX
well ... lets see ... ... maybe we should start with there name or entity ... .the entity is the servicer ... ..which can change or be sold ... to many times in the life of the loan ... ..its very tricky to follow all there instruments they file with the recorders ... office ... most inturments are fraud and the enity is clueless to what is the truth of the original note.but they try really hard to figure it out .the home owner will pay thousands of dollars that will never get credited to the loan, they call theses fee s late fees drive by fees ... .the list is endless ... .the public can try to have them give them freedom of information FOLA .BUT GOOD LUCK.i wish I lived in a nuther state then there might be help .do n't ask for help because the gov. will put you on there merrygoround, and you get passed from one robot to the next.now you can chose to pay for help .but that 's just throwing more money away.dont contact anyone in the state while it is election time.i just want one simply question answered..honestly .this does not happen ..I think that a mogtgage servicer with any loan taken out from XXXX to XXXX its inevitable you will be renting and at the mercy of who ever is the servicer by the mad up rules.
The Loan was acquired by Ocwen mortgage from GMAC. The original Mortgage agreement was 180 payments of {$920.00} after that a Balloon note was due in the amount of {$88000.00} on XXXX/XXXX/XXXX. Being that we were a Victim of Predatory Lending we asked that the balloon payment in the amount of {$88000.00} be put in a loan. Instead of doing that, OCWEN offered a Loan Modification ( HAMP ) in the amount of {$110000.00}. When asked to explain the difference they continually say the fees for none payment, escrow fees, etc. This was not an Escrow Loan but, one was opened. They told us they were n't accepting payments but, asked that 3 payment of {$720.00} be made for a modification to be approved, which were paid. They sent a letter stating the modification was approved and sent loan documents that they wanted us to sign. The loan documents were in the amount of {$110000.00} with a balloon payment attached in XXXX of course, we refused to sign because the numbers did n't match. Now they denied the modification based on the fact the paperwork was n't signed and returned but, they failed to return the {$2100.00} ( 3 payments of {$720.00} ) paid for the months of XXXX, XXXX & XXXX XXXX. A IRS form XXXX was received for the tax year of XXXX from OCWEN in the amount of {$15000.00} ( TOTALLY INACCURATE ) because NO PAYMENTS were made in XXXX other than the amount of XXXX that was requested for the modification which later they denied. 
On XXXX/XXXX/XXXX a check made payable to OCWEN LOAN SERVICING in the amount of {$16000.00} for Principal Payments and {$1800.00} for Interest payments was distributed by a bankruptcy trustee this amount is unaccounted for. We have money orders that were cashed and made payable to OCWEN Loan Servicing with are not reflected on the statement or on the print out provided ( {$8300.00} ). We 've requested several explanations of where the money was allocated over time they acquired the loan no response, requested that the Escrow be closed because in the original terms of the loan the Homeowner pays all Real Estate Taxes and Insurance no response, we have a Suspense and Forbearance Credit of {$5200.00} which we have requested an explanation of and/or return that amount no response. 
We have tried to refinance the balloon amount of {$88000.00} but, we can not get a true and corrected payoff, Ocwen has not reported to any of the XXXX Credit Bureaus and we can not show 24 months of consistent payments because none have been accepted. I have advised OCWEN on several occasions that this account will be reported to the authorities if this matter is n't corrected in timely manner.
I disputed an account that is misreporting information on my credit report with TransUnion. The account is listed as XXXX/XXXX XXXX XXXX. In my dispute, I initially requested that the debt be validated because the account was listed as negative, closed, and reporting late payments from XX/XX/XXXX. The dispute results stated the account was " verified as accurate and updated ''. I called TransUnion today to inquire about what information they had received to verify the account and the representative told me that the account was mine and that it had been updated electronically. The representative also told me that TransUnion was not responsible for providing me any information that XXXX/XXXX XXXX XXXX had provided to TransUnion. He also told me to contact the creditor directly, so after going back and forth for a while, I told him that I did try to call the number listed on my credit report for the creditor and the number was a sweepstakes number. I continued on, asking the representative for the address to TransUnion so that I could formally submit a request for the documentation that XXXX/XXXX XXXX XXXX provided and after additional debate he finally gave me an address. He also told me to XXXX XXXX and find an updated contact number. We concluded our call. After I XXXX " XXXX XXXX XXXX '' I saw on their website that ALL of their student loans were sold to Navient, so I XXXX  again and saw that XXXX/XXXX XXXX XXXX loans were sold in XX/XX/XXXX. I called TransUnion back and got a supervisor who I spoke to and advised her of my previous conversation ; I also informed her that it appeared that XXXX/XXXX XXXX XXXX sold ALL of their student loan accounts to XXXX so I wanted to know how could the disputed account listed on my credit report come back as validated when XXXX no longer owns the account and XXXX is not listed as the current provider on my credit report? I am submitting this complaint because I do not believe that TransUnion contacted anyone to validate this account. I also believe that TransUnion, and other credit bureaus, are not transparent with their disputing practices and they should be held accountable for their practices of damaging consumers credit. 

This is the link that I referred to above for XXXX XXXX XXXX that specifically states all student loans were sold to XXXX : XXXX XXXX XXXX
I am being reviewed for a short sale since XX/XX/XXXX an entire YEAR! with the same buyer. I have submitted all documents requested by the lender. I have an assigned representative XXXX XXXX p # XXXX ext XXXX and I believe the processors name is XXXX XXXX XXXX I have been emailing with and has now stopped answering my emails in regards to the postponement of the sheriff sale date scheduled for XX/XX/XXXX. I have called the assigned representative XXXX XXXX and have left several messages for an update and he NEVER called me back. After being transferred around for 40 mins I finally spoke to a representative today XXXX ID # XXXX who informed me that the sale date will not be postponed because it was postponed 4 times in the past and the postponement department says it does not meet the criteria. I have a valid offer on the property, I submitted documents on time when requested and they are refusing to review it because they dont want to postpone the sale date again. The have mismanaged my file and that is not a valid reason to remove my file from a current review for a short sale because they just want to wait. They have wasted the buyers time and everyone involved.
On XX/XX/2017, I utilized my mobile banking application which is linked to my Citibank card to make a purchase in the amount of {$200.00}. The mobile pay failed at the point of sale terminal at the merchant store. I was told in the store I would have to wait 3 to 5 business days for my funds to be returned. I advised my bank that a permanent credit should be returned or a provisional credit based on the fact the charge was pending. As an individual who works at a bank I 'm dismayed by the lack of assistance provided by Citi and the process of having to discuss this issue with customer service representatives who are unhelpful. 

I explained the situation and I was told over and over nothing could be done but to wait. There was no assistance from Citibank to contact the merchant and figure out a resolution at all. I will be closing my account and as a consumer I 'm very disappointed.
I have been a member of American Express since XX/XX/2004. They raised my interest when my financial situation changed, and my credit score dropped. I contacted AMEX today, and asked for a lower interest. I think now that my credit score has gone up, and I have never make a late payment in the last 14 years I would qualify for a lower interest. 
I was insulted by their customer service representative, and I was told that it was my fault that I was paying so much interest. I was told by him that if I didn't want to pay interest not to spend money of pay my credit in full every month, because it's all my fault. HE SHAMED ME
Filed a complaint about another debt collector on this issue in XX/XX/2015. See file XXXX. Another debt collector EOS CCA is trying to collect on the same debt on behalf of XXXX XXXX XXXX although the debt is not mine and the previous collector removed this debt from my credit report in XX/XX/2015.
I just checked my credit report and XXXX XXXX have four accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXXXXXXi have never have a contract with these companies. i did not receive anything in the mail saying I have a right to dispute this debt. This company hold four accounts with my name social security number address date of birth without my permission which is identity theft.They bought these accounts from another collection company. This company needs to delete my personal information out the database.
For the past few months I have requested the lender send me an itemized payment history that included principal and interest balance. This request was made because I wanted to know the amount since my car contract was ending. Yes I made payments late BUT never 30 days over. This company harasses you constantly with phone calls from about XXXX different phone numbers in different area codes. The send text mSsages and email also. The only documentation they provided was a payment ledger with payment amount and payment date. I requested balances of int and principle and allocation of payment. I was told they do n't provide that. If I ca n't figure it out then take it to an accountant to figure it out for me. my monthly statements ONLY show amount due. There is NEVER A BALANCE AMOUNT OF LOAN shown on statement. At this point they continue to call and email daily requesting payment ... ..wanting me to comply. No problem but why not comply to my request to see what TRUE amount is owed. I received a statement asking to pay {$240.00} and XXXX XXXX is asking for {$340.00} another WHOLE car note. I informed him since last harassing phone call, the day my husband was in XXXX ... .these insensitive I humans did not care. I was asked " SO WHEN ARE YOU GOING TO MAKE PAYMENT? Since my husband had been ill my finances began to get worse. But I still managed to pay my car note. Now I 'm off on medical leave. I received another call from another Area code from XXXX XXXX and he asked me what my medical condition was. I told him that there is medical laws. I do n't have to give him info on my medical condition but I have my medical leave paperwork from my job. Once again I asked him to provided statement he replied with a nonsense reason why the amount owed. Why is the company refusing to providean itemized statement so I can close this loan. All payments for car note has been paid. ALTERNATE PHONE NUMBERS THEY CALL FROM:XXXXXXXXXXXXXXXXXXXXXXXX
In my senior year at XXXX. 
On XXXX XXXX, 2010 a Private loan was taking out for {$5500.00} I did not authorize any XXXX to take out a private loan for me, I did not need the loan money because I was going to graduate in XXXX XXXX, 2010. I did graduate XXXX XXXX, 2010 Why would I take out a loan? It did not make sense because I was going to graduate in 2010. I am filing this complaint against Navient the private loan provider. This is a crime someone must pay for this I saw this in my student loan history I got the evidence to show
the law firm of lustig, glaser and wilson have been repeatedly calling my in- [ aws. I called and emailed them and gave them my number which they still have not called. Now, I am XXXX
I contact Early XXXX after my account was closedXXXXXX/XX/XXXX. I called then to get more information to see what happened, but so far not a good answer, because they could give no information until a submit a copy of my report that will take 15 to 30 days. ( until this time i was without no payment, i could receive my payment, because i could n't open account any place until i resolve that ) So they took almost a 23 or more day for me to get the report. Soon i receive i call then to help me to dispute, because i never receive a letter for the XXXX banks informing me about that they will be add a NEGATIVE IN MY NAME and caused so much XXXX and affecting my business. 
I email ( a copy are attached ) and responding to Early Warning on XX/XX/XXXX, a document to dispute both negative that was in my name since i i didn t even know why and reason for all this. 
I called Early Warning on XX/XX/XXXX to see if my case was resolve, and unfortunate i receive a bad new that the bank did not going to remove and dispute the negative in my name and i have to wait until XXXX XXXX, because after 5 years will be removed automatic. 
Im sorry but this agency they not looking for to help us, they a not taking me seriously at all. 
I have n't been able to cash my check for almost 3 months now, because i ca n't open a checking account, i became miserable and i do n't know what to do, because every time that i try to solve the problem that i did n't even know and i never was inform regarding for this negative. Please help me, because this situation has to be resolve quick as it is affecting my business. this s not acceptable and, as you can image, is causing me a good deal of XXXX.
Barclays XXXX  Mastercard Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$150.00} on my account. The amount is inaccurate because I have not shopped or ordered anything from the following merchants. I recently received my current card ( just weeks old ) as a result of fraudulent activity. On XX/XX/2018, I noticed new fraudulent. I am more concerned with lack of protection and risk I have been subjected. 

Transaction Date Description Category Amount XX/XX/2018 XXXX *XXXX DEBIT XXXX XX/XX/2018 XXXX *XXXX DEBIT XXXX XX/XX/2018 XXXX XXXX XXXX XXXX DEBIT XXXX I am requesting that the errors are corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. I would also like the evidence and source of charges I've identified as fraudulent and also a statement of all transactions that were denied. 

Sincerely, XXXX XXXX XXXX
I have mailed Experian dispute letters on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015 and they never did an investigation? They never said anything was frivolous? This has to be a FCRA violation. Are they legally allowed to do this? Do they save money by not doing their jobs? Plus I have to repeatedly ask for Experian to correct wrong names, address 's and social security numbers I have no idea who or what they are? I have been told this is a really bad thing to have on your credit, is that correct?
I submitted a letter to Experian disputing items on my credit report XX/XX/XXXX. I asked for XXXX XXXX XXXX, partial account # XXXX, {$1300.00}, to be verified, documentation of verification provided or removed. It remained unchanged. In XX/XX/XXXX, I requested a copy of my report and credit score and noticed that the information for XXXX was changed. I tried to dispute it and Experian said it was updated.The information is not correct. Experian changed the information to show that this item was included in a XX/XX/XXXX discharged bankruptcy. The item was not reported until XX/XX/XXXX. Items in a discharged bankruptcy can not be added two years later. In addition, XXXX XXXX XXXX, partial acccount XXXX, shows as a separate line item with a late payment. This item was included in a bankruptcy. Since this item was included in a bankruptcy, it should not be listed as an additional negative item. Experian refuses to correct the stated information on both accounts and will not allow me to dispute the information online because they said it was updated. This is unethical reporting. Experian did not verify information because if it was verified, these errors would not be on it. I have worked hard to rebuild my credit and have paid off some debt and raised my credit score with XXXX and XXXX to XXXX and XXXX, respectively. My Experian credit score remains at XXXX because of this incorrect reporting. Thank you.
I entered into a contract in XX/XX/XXXX for 42 months at the amount of {$60.00} for a home security system through XXXX. Based on this, the contract would have ended in XX/XX/XXXX. Although I was very unhappy with the service, I fulfilled the 42 month contract and paid on time every month until the end of the contract date. I personally contacted XXXX  by phone to remind them that my contract officially ended and that I no longer wanted their service. They informed me that I had to cancel through a notarized letter to headquarters in order to cancel it. I called a total of five times reminding them that the contract has ended and that I no longer needed their service at this point. They continued to bill be until the bill had reached over {$600.00} and then they disconnected the service. I recently checked my credit report which states that I now owe {$900.00}. I sent the collection company a debt validation letter asking for additional information like total payment history/amount paid, which would reflect that I paid until the end of the contract. They did not state how they arrived at the total amount due, just provided me with the contract, which states everything I have been saying. As result, I should not be responsible for the delinquent amount because I fulfilled the contract that I signed and agreed to. I ask that I be relieved from this debt and it should be removed from my credit reports. I will attach a copy of validation letter, letter for demand of payment by Perfection Collections and copy of contract.