WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage company went bankrupt ( GMAC ) and my mortgage went to Ocwen. They worked with me to lower my payments. They then made a mistake and put in my income higher than it was. They said they would have to redo it-after I had paid hundreds of dollars the first time to lower my payments by paying them for processing, etc. The second time they worked with me again, setting my payments at {$540.00}. My mother in law became very ill and we ended up paying a lot of her medical costs, then for her entire funeral. This set us back but I still kept paying my payment before the XXXX-the late fee day. Every month, I would pay exactly what the mortgage company said that I owed for that month. {$540.00} it coming out to be {$620.00} a month. This month, I received help from the VA because I am a veteran. They asked me how much was due. I sent them a statement of the mortgage which said for XX/XX/XXXX, the payment was {$1200.00}, even though our payment was only {$540.00} a month. Even with late fee, the payment for both XX/XX/XXXX and XX/XX/XXXX would have been $ XXXX.The VA paid them, THIS MONTH {$1200.00}. I went to make the payment for XX/XX/XXXX, ahead of time and the amount shown was yesterday @ XXXX XXXX for {$640.00}. No extra fees, nothing. I set up a payment for {$640.00} + {$2.00} making the withdrawl for Ocwen, {$650.00} current for XX/XX/XXXX. Today, I logged in and looked to print out a copy of my scheduled payment. My amount due is now {$660.00}!!! 
This amount changed overnight. These payments are changing continually and I want it to stop. This is why customers get behind and this is why we lose our homes! There should be no extra  fees. There should be no " property inspection fees. '' My mortgage was current as of XX/XX/XXXX.They then added a late fee of {$15.00} even though VA just paid and specifically wanted the amount indicated that was due. Now they have added another {$15.00}. My XX/XX/XXXX payment is  not due yet and I have it scheduled!!!!!
I am Complaining about SLS my loan servicer, SLS says in a letter sent to CFPB that I will attach for your review that mediation took place on XX/XX/2016, but in fact their attorney refused to, and we ended up in court on XX/XX/XXXX instead of mediation which is what I was promised since the very beginning, also in that latter it indicates that meditation was postponed to a later date which is not true, a settlement agreement will also be attach for your review, their attorney offered me conciliation NOT mediation.
I have had the Citi Bank XXXX XXXX for over 10 years. I received an email in XXXX that the card was being converted to an XXXX XXXX as Citibank lost the contract with XXXX. I already have the XXXX XXXX XXXX and did not need two. I called customer service on XXXX asking if I can convert it to another CitiCard which I was assured I could. I was told even though I knew what card I wanted I had to review the website to make sure I knew what card I wanted and then could call back to covert it. I called back the next day and was advised by a CSR and manager that the card can not be converted due to the fact it is a XXXX card. 

I expressed frustration that I would loose 10 years of card history on my credit report impacting my score if this happened and they showed no concern or provided information on this. I asked why two reps the previous day ( one for general cards and one with the XXXX  division who I had a question about that card benefits in which only a XXXX rep can answer with Citi ). 

Citi shows no concern for customers when they provide inaccurate financial information that now will result in a monetary loss to me due to a credit score change. Citi simply does not care about the communities they serve or providing accurate financial information.
I 'm trying to sell my crypto currency. XXXX bitcoin and XXXX ethereum in my Coinbase account. I want to liquidate and turn this into cash. Whenever I try to sell it says I need to verify my identity. I am unable to verify my identity and it gives no support. My information is correct and I am within my sales limits. I have tried countless times to verify and I get the same nonhelpful error message saying they could not verify my identity. My money is now frozen because they wo n't let me sell without verifying my identity and their identity verification is broken. I want my money out asap but they 're essentially holding it ransom. I was able to buy and sell before and then suddenly my accounts were frozen. I have uploaded my ID and given them my ssn and still can not access my funds.
This regards two purchases made from XXXX on an XXXX XXXX credit card. The card advertises a points-based reward program, but twice I have tried to use accumulated points toward purchases at XXXX, and I have receipts from XXXX that show the points were supposedly applied and my balances reduced, but when the XXXX XXXX credit card statement arrived, both orders were charged full price. 

One purchase was made XX/XX/XXXX. The original price was {$19.00}, but after rewards points, it should have been {$18.00}. My credit card was charged the full {$19.00}. ( I have an XXXX receipt showing that my total should have been {$18.00}. ) The second purchase was made XX/XX/XXXX. The original price was {$10.00} plus XXXX cents tax, for a total of {$11.00}. I also had a separate rebate of {$5.00}, bringing the total down to {$6.00}. Then I applied enough points to cover the entire transaction, so I shouldn't have been charged anything, but my credit card was charged {$6.00}. ( I have an XXXX receipt showing that I owed nothing. ) I called XXXX to resolve the issue, and XXXX blamed XXXX XXXX. I then called XXXX XXXX, and the customer service representative acknowledged that this is a recurring problem but said she could do nothing to resolve it. I asked to speak to a supervisor, who said that XXXX had evidently reversed the points after the transaction. ( The orders were not returned, so I'm stuck with the full pre-points balance, and no one can resolve it. Both sides are blaming the other side. ) I got this card because of the rewards program, but for reasons that no one can explain, I can not use the reward points. This smells like fraud to me.
I disputed and asked for verification of debt owed, I have yet to receive verifiable proof that I owe this debt ( such as a signed contract with my signature ). They are reporting this debt on my credit file and it is totally inaccurate. I am not aware of any debt owned to XXXX XXXX XXXX. I demand that they provide Proof Of Validation.
This debt was made by a family member that used my social security number. when I first learned of the debt I contacted the collection agency and they told me the debt was in the family members name but my ssn # and work information was used and now they are saying the debt is in my name and that information was not told to me, I asked if they would provide a copy of the actual document and they said they could not ... I've never lived at the address where the debt occurred I lived at the address prior to where I live now for 7 yrs never late with rent always paid on time or days before. Thank you for your time and help with this matter
Called to collect debt that was not specified nor person mentioned, only asking for information for the Penn Credit Corporation by calling XXXX
CBCINNOVIS has pulled my credit report unauthorized a number of times. This company has abused my rights by pulling my report 2-3 in the same week. I have written letters to CBCINNOVIS as well as the credit bureaus to have these items removed and I have not received any results.
I requested a credit report in  XXXX   XXXX . At that time I noticed that there were several addresses where I never lived linked to my report. I also found that a delinquent account from the collection service  Ad Astra  for  XXXX   XXXX  was listed on my report. I have lived in Oklahoma since  XXXX  and have NEVER used a payday loan service. I disputed the false addresses a nd Ad Astra account. I did get the addresses removed, but have tried for several years to have the negative report from Ad Astra remove d.     I have repeatedly disputed this information on my account and have never received any direct notification from  Ad Astra un til  XXXX   XXXX   XXXX . This account does not belong to me.  XXXX   XXXX  has closed this account on my report, however  XXXX  has not done so after repeated disputes.     I have tried to find an email contact  for Ad Astra to contract them without success. I will not call them due to other consumer complaints about threatening phone calls from Ad Astra.
This is a direct dispute with Experian. I had a 30 day late listed on a XXXX XXXX account. The account number XXXX, date open XX/XX/2011. they have me listed as a 30 day late in XX/XX/2011. This is untrue and I have disputed this multiple times. I was infact not late and I need the account updated correctly. The account was paid as agreed, I paid XX/XX/XXXX payment, The motorcycle was stolen. the next payment date was XXXX. The check from the insurance company was sent to XXXX XXXX XXXX on XX/XX/XXXX. Therefore according to the Credit Reporting resource guide I can not be marked a 30 day late. The industry Standards set forth by the CRA states " the " clock '' for a 30-day delinquent account starts 30 days after the due date as opposed to the billing due date. How long it took XXXX XXXX to process the check when it arrived on XX/XX/XXXX is n't my, the consumers responsibility. They did in fact received the check within the 30 day window set forth by these standards and that payment should have been applied to my account on that date. All Experian has done is sent it to XXXX XXXX and they verify it. They have not done their due diligence in correcting it. I am asking this be corrected and report as a positive reporting account. I was not 30 days late and it was paid by my Insurance company within the allotted time frame. I have attached a letter from my insurance company for proof of when the payment was mail and it was not past the 30 day window of XX/XX/XXXX. I 'm not going to keep going back and forth with Experian, XXXX, and XXXX. I have done that multiple times. I want it corrected ASAP! I also want the comments deleted that says paid account/was 30 days past due date.
On XXXX XXXX, 2015, I was served papers from Portfolio Recovery Associates , LLC assignee of XXXX XXXX. RE : XXXX XXXX XXXX. Please see previous complaints. They were filing a claim that I owed them funds in the amount {$3600.00}. My court date was XXXX/XXXX/2015. I pulled transactions page from my previous complaints that was provided by XXXX XXXX XXXX. This showed exact charges that were given to me by the original name of company. I also, counter sued this company stating that I over paid on this account. I showed up to court. However, Portfolio Recovery Associates , LLC assignee of XXXX XXXX ( name changed from XXXX XXXX XXXX ) Their claim was dismissed. However, they now have a judgment to pay me the over payment of {$2200.00}. I am filing this complaint because I am unable to contact this company by phone or by mail to get them to pay money that I overpaid and was reviewed by a judge. The numbers provided do not send me to any person that can help me in this manner. 
I would also like to include copies of this judgment against this company in hopes that I might retain over payment sum of XXXX. 

Thank You, XXXX XXXX XXXX XXXX
Ive reached out to XXXX  several time regarding interest charges. These are fixed rate loans but my interest payment continues to increase over the last 4 months. I have also emailed them regarding the fact that even after payments are made on their website, the account summary continually states that the payment is overdue. In most cases, the money is out of my account and they still show unpaid for several days. I believe it is so they can collect more interest. Customer service NEVER replies to my emails.
I am writing to request that Transunion update an inaccurate account on my credit report. An investigation was conducted into the inaccuracy of XXXX ( Acount:XXXX ). Transunion has failed on 6 occasions to investigate, and correct the inaccurate reporting of the late payments that are appearing on my credit report. On XX/XX/XXXX I received a letter from Transunion, dated XX/XX/XXXX, stating that this account had been verified and updated, but no changes were made. This negligence has caused my credit score to drop dramatically, because this account is reporting previous late payments when in fact it was NEVER late. I contacted XXXX in order to conduct my own investigation. XXXX corrected the inaccurate delinquencies and updated my account. Attached, you will find a letter that clearly states that the account is paid, closed and that ALL inaccurate delinquent reporting has been removed and replaced with ALL on time payments. 

They also stated that they sent you and updated on XX/XX/XXXX. Please review the attached letter, and update this account. I will be monitoring this closely, as this should take no longer than 15 days to correct. I would also like for an updated, corrected credit report be sent to me within 30 days.
4 months ago i was in an car accident and afterwards I started receiving calls 1 month later. The calls states that they would have me arrested, suspend my license if i didn't pay. I disputed it but the final straw was they were sending someone to arrest me if i didnt agree to payment arrangements. I only did it because I thought I was going to jail. I do not owe them any money but paid until i found out that i'm not the only person they've zone this to. I do not owe them anything. And i signed and made payments under the impression that they could have me arressted. They also said my license were suspended even made me get SR22 insurance and i have recorded phones of all their THREATS
I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018.. 
I did not receive it. 
May I have a copy of the application filled out online to get this credit card?
National Credit Systems continues to report an account as in collections after it has been paid in full. While on the phone they stated with upon payment they would delete the account which they lied about. It 's still being reported as an account in collections which is negatively affecting my credit score
I, purchased the above {$200.00} Gift Card. However, Someone illegally registered their name to this card. I explained to customer service that the name registered to this card is illegal and fraudulent. I 've sent them numerous faxes and mailed them letters to prove my ownership of the card but the company has ignored me.
I asked for a income based forgiveness plan n they stuck me with a $ XXXX monthly payment and because I ca n't pay at this moment it hit my credit negatively. It was not honored at all.
My credit report is currently showing serious delinquencies for periods during which I have previously requested a forbearance. Specifically these periods are : -  XXXX  thru  XXXX ,  XXXX  ; -  XXXX  thru  XXXX   XXXX .     I have written to the lender many occasions and have not received a response.
I had a loan through Capital One Auto Finance and was having them withdraw payments through my bank account and than went onto a XXXX. When I got back from XXXX I had contacted the company and to set up my payments through an allotment and had it set for the amount taken out for the allotments to be able to pay off my car by the time I was getting out of the XXXX. When I had gotten out of the military I had called them again because my address had changed to get the title sent to my new location and they said that they had n't received a payment from me in about 18 months when I had original set up my allotment. I had talked to a manager later in the call and they had no record of me inputted into the records setting up an allotment for the payment. I got in contact with XXXX about this issue and nothing has been resolved about the matter and they keep asking for records of the allotment I had set up and stayed on the phone with them to make sure they received it in their email, the very next week they would ask for it again over and over again. Just feel like I am getting a run around from both XXXX and Capital One Auto Finance. I called the bank where the allotment was going to that they would n't give me the name on the account because I was n't authorized to get any information from that account.
I noticed that Credit Consulting Service Inc. has put a collection item on my credit report early XX/XX/2018  with original amount of {$1200.00} ; so I called XXXX to dispute and XXXX  came back to me stating Credit Consulting Service Inc insisted that this is a valid collection item -- - I strongly disagree with this statement ; as a debt collection agency, Credit Consulting Service should provide informed and justified conclusion on  the validity of the debt, rather than just taking the opinion from the creditor and ignoring the voice from the consumer side. As a result, I do think Credit Consulting Service Inc didnt comply to the Fair Credit Reporting Act by not distributing a fair and accurate summary of a consumer 's credit history to credit bureau
I received a letter from LTD Financial Services Limited Partnership, XXXX XXXX   XXXX XXXX, XXXX, TX XXXX, to collect {$210.00}. The creditor XXXX XXXX XXXX pertains to my residence XXXX XXXX  XXXX XXXX, Texas, where I lived from XX/XX/XXXX - XX/XX/XXXX. 

When I moved out in XX/XX/XXXX, I turned in my keys with no balance in my account. 2-3 months later after I moved out, the XXXX contacted me and said I have a balance due. I requested email or other forms of communication of detailing the debt because there was no balance when I turned in my keys. They never provided the information and then, I received this notice from LTD Financial Services, a debt collector. 

The creditor is threatening that a negative credit report reflecting on my credit record may be submitted to a credit report agency if I fail to fulfill the terms. First, of all I was never notified or received any type of communication of monies owed when I moved out. I called repeatedly and ask to speak to management. But, I never received it. And then, I receive this letter from LTD Financial Services.

First of all, why should I pay a debt I never received any information about? I have tried to get information from them and never received anything. And now, I have LTD sending me a letter threatening to put negative information on my credit report. I have no problem paying the debt if in fact it is mine, but I have yet to receive any information from property management pertaining to this debt. Please help! 

Sincerely, XXXX XXXX
Transunion has failed to provide me the documents their company used to provide verification of the accounts I disputed. They have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information that can not be verified that I have disputed. Thank you in advance for resolving this matter as soon as possible
CapitalOne is blocking me from linking my account to the XXXX XXXX XXXX.
I refinanced in XXXX 2015. My escrow funds on XXXX XXXX were {$1100.00} indicated in the mortgage payoff statement. My new mortgage company ( XXXX XXXX XXXX ) wired the payoff funds XX/XX/2015 which included my city taxes. My old mortgage company ( Nationstar ) paid my city taxes ( {$670.00} ) as well. My mortgage broker told me that I should be receiving a check for {$1100.00} because that was the balance in my escrow funds. I called my city treasure and they told me that they sent a check to Nationstar on XXXX XXXX, 2015. The city treasurer told me to call Nationstar in a few weeks. I called Nationstar in XX/XX/XXXX. I was told by Nationstar that I would receive my check for {$670.00} in 10 days. I asked them why it was n't {$1100.00} and they said they needed to pay for taxes. I asked them about the taxes and they said it was city taxes. I told them there was n't any taxes to pay for. It did n't make sense.Then 4 weeks went by, there was still no check. I called them in XX/XX/XXXX and again they said my check would be delivered in 10 days. Still there was no check. Contacted them in XX/XX/XXXX and again they said that my check was on the way. Still have not received the check of {$1100.00}. I heard about your site and now am reporting Nationstar for not giving me my escrow balance.
Loan care Services purchased our VA loan from XXXX XXXX in XXXX 2017. We missed 4 months of payments when Loancare took over our loan because we did not realize they purchased our loan and XXXX did not transfer the payments. We had paid our LOAN for 16 years to XXXX via bank checking account auto debit. We were never missed/late payment. Loancare contacted us via XXXX to offer a us a refinance special offer to lower our interest rates. The fine print stated our LOAN would be extended by 40 YEARS. I assumed it was a scam and ignored Loancare contact. I received notice from the Veterans Administration stating our home was at risk of foreclosure. I immediately contacted Loancare to arrange payment plan of the past due amount. I was told by the customer service rep that my choice was to pay the full amount owed or I could choose the *special offer* to refinance at a lower rate but extend our LOAN for 40 years. I was told that I would lose my house if we did n't pay the full amount OR choose the *special re-finance '' offer. Thankfully we had the money to pay the full amount of the past due payment. Please investigate Loancare for fraud and unscrupulous business practices.
So they sent me this, " Your account has incurred a late fee of {$15.00}. To avoid impacts to your credit, please make a payment by XX/XX/2017.If you ca n't make a payment today, please complete a Promise to Pay form. This will reduce the frequency of the contacts you receive. And you can always call us at XXXX if you need help staying current on your loan. '' The problem was that about one month ago I was told by Nationstar that I was a complete payment ahead of schedule so I had them apply the outstanding money to the loan. Nationstar Mortgage said they would honor the payment terms from XXXX XXXX XXXX ( previous mortgage servicer ). I was using equity accelerator at XXXX and making half payments every two weeks, Nationstar said they would keep this the same. So my guess here is that when they lied to me about being one month ahead ( I think I was actually 1/2 a payment ahead ), so when they applied the complete payment it put me 1/2 month behind, thus the fee they are charging me. This company has the worst customer service I have ever endured, the representative lies to me every time I call and can not pull up my account to even see what is going on. I have to be transferred to someone else every time to actually get any help.
On XX/XX/2018 I attended a XXXX XXXX XXXX XXXX XXXX 3 day workshop which I paid {$2000.00} to attend. From that workshop we were offered another workshop which would work with us until we earned 100 % of our investment. I paid {$21000.00} to attend that workshop. After realizing that none of the formulas they taught in the workshop were working for me I contacted the resource office. I spoke with a resolution specialist by the name of XXXX XXXX. There was an agreement to a refund of about half of the money. She emailed me a settlement agreement and mutual release on XX/XX/2018. As I read through the agreement I did not feel right about signing the agreement because of the language used and obligations I would be forced to comply with and I would only get a partial refund so I did NOT sign the agreement. Instead, I contacted my credit card companies that i used to pay the workshop with. Chase kept the charges of {$4200.00} paid to XXXX XXXX and XXXX XXXX kept the charges of {$4700.00} and {$250.00} on my account paid to XXXX XXXX after their dispute process although there was a the settlement agreement that agrees to a refund all services paid for were not rendered.