WillisBack/dataset-financial-user-claim huggingface dataset:
The last 12 months, since XX/XX/XXXX to XX/XX/XXXX of my mortgage payments, no match with the Loan History report on same dates. 

Payments sent 12 by {$790.00} each, total {$9500.00} VS. 
The Loan History reported by 12 months, between the balance of XX/XX/XXXX ( {$59000.00} ) to the balance of XX/XX/XXXX ( {$51000.00} ) the amount of {$7400.00} Then, there is a amount of {$2000.00} no accounted. 

The company involve in this complaint is Sortis Financial/ClearSpring ( Phone, XXXX ) XXXX XXXX XXXX Mortgage, loan account XXXX XXXX Note : for this inconvenience i think that my Loan History have several mistakes. Moreover, i had many payments problems with this company. This Server transferred me to XXXX XXXX XXXX on two dates XX/XX/XXXX and XX/XX/XXXX, and the transference is not finishing so far XX/XX/XXXX. 
Consequently, I behind of my payments since XXXX. 

I tried to fix my problem by phone with XXXX XXXX and XXXX XXXX XXXX without success.
This company send me a letter pretending to be my mortgage lender saying that i qualify for a reduction in my annual mortgage insurance premium. They ask me few question and told me that someone would pass by my house to sign some papers. I need to mention that they never identify themselves as an independent financial company, neither in the letter they send to my house they specified their name. Next day in my credit bureau it come out XXXX hard inquiry that i did not authorized or recognize from a company call Credit Plus. I call my mortgage lender and they told me to report this to the CFPD and to do n't sign any paper because they did not send or call me with this offer and provably it was an scam or and intent to refinance my loan without my authorization.
XXXX XXXX of Allied Intertstate has been calling for XXXX straight business days beginning on XXXX/XXXX/15. I XXXX at a high school and she keeps calling me at the school. I have no outstanding debt. I called her back on XXXX and got her voicemail. I left a message stating that I had no outstanding debt and told her to stop calling. The same thing happened about a year ago. She called my work again today and left another message.
this is part of that huge equifax problem that 's been reported in the news recently. I went to the site and entered my information and was told my information was probably stolen. I do n't want to take advantage of the XXXX offer because of the arbitration clause and that I will start getting charged for the service after a year. I feel this is a shameless money grab. Equifax failed to keep my information private and did nothing to inform me until this week when they knew about the breach over a month ago.
On XX/XX/2018 I used a credit monitoring service to review my credit as I am about to purchase a home and found several erroneous accounts dating back to XXXX. I have not opened or authorized anyone to open accounts with 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9.XXXX XXXX XXXX  10. XXXX XXXX XXXX in my name at any time.
XXXX XXXX added additional fraudulent charges on to my account in XXXX. After I graduated from XXXX XXXX University, my total principal balance was only {$48000.00} ( Federal Perkins loan : {$1900.00} ( which should have been paid in full ), Direct Stafford Subsidized Loans : {$18000.00}, and Direct Stafford Unsubsidized Loans : {$28000.00} ) before I consolidated my loans. XXXX or XXXX XXXX added two dollar amounts of {$40000.00} and {$19000.00}. This increase my total principal balance to be {$140000.00}. My principal balance should have been {$84000.00}, instead of {$140000.00}. In addition, XXXX XXXX charged me {$190.00} to consolidate my loans, which is also illegal. The struggle to pay on this fraudulent balance has caused me emotional and physical stress. Great Lakes should have caught this error. I am requesting that you all forgive the whole total balance due to XXXX and XXXX XXXX 's fraudulent activity and Great Lakes ' failure to catch this error and correct the error. In addition, I was not in school during XXXX. I graduated from XXXX XXXX University in XXXX and did not attend XXXX  XXXX University until XXXX. Please see the attached file for documentation.
Student loans began at the end of XX/XX/XXXX at {$21000.00}. Throughout the years of the loan I have had high payments, had to take forbearance, and also done income - based repayment. From XX/XX/XXXX til now I have only played off {$1700.00} off principle. It seems like all I pay is intrust, so far {$6600.00}. That comes out to 79.3 % of my payments have been intrust. The intrust vs principle payment is all over the board. From XX/XX/XXXX to XX/XX/XXXX, on an income based plan of {$110.00}, I payed {$320.00} to principle and {$1000.00} to intrust. Then in XX/XX/XXXX the income based plan jumped to {$200.00}. Seems like the loan company wants what 's best for them and not the loan holder. In the end I will be paying on these loans for almost 20 years before they are played off.
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap 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 XXXX
XXXX   XXXX  - {$480.00} I was insured during  XXXX    XXXX    XXXX  - {$520.00} I was insured during   XXXX   XXXX     XXXX   XXXX  - {$650.00} I was insured during   XXXX   XXXX     XXXX   XXXX  - {$2400.00} I was insured during   XXXX   XXXX   XXXX     Affiliated Management- {$200.00} I was insured during   XXXX   XXXX   XXXX   Affiliated Management- {$120.00} I was insured during   XXXX   XXXX   Affiliated Management- {$240.00} I was insured during   XXXX   XXXX   Affiliated Management- {$530.00} I was insured during   XXXX   XXXX
Repeated calls at XXXX or XXXX XXXX at night. Said that I have an arrest warrant for me that if i paid the debt they would cancel the warrant.
I get repeated calls from XXXX. Multiple calls per day for the last month. 

They leave a message asking me to call back XXXX. 

The voicemail is vague, saying they are from XXXX XXXX XXXX or United Collection Bureau with an attempt to claim a debt. 

It's very suspicious. I talked to a rep once and asked them to mail me the information. They just kept repeating generic info and were trying to get personal info from me that I was not willing to provide. 

I asked them to mail me and stop calling as I do not believe this to be a legit debt collector. 

I would like their calls blocked as it is harassing. Please also look to add this number to your radar of suspicious/fraudulent/criminal callers. 

Thanks
I have requested the following items to be removed from my credit report they were removed XX/XX/XXXX and then put back on my credit report. The below listed items are not valid debts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opend XX/XX/XXXX still showing open XXXX XXXX XXXX XXXX CREDITOR XXXX XXXX XXXX OPENED XX/XX/XXXX. 

I have tried to get these removed with no luck.
Someone else 's {$330000.00} investment account is attached to my account @ Chase Bank. They remove it, but it pops back up onto my account the next month.
I was getting a divorce The lender would not work with me The loan was an adjustable rate mortgage at the last minute
I went through a credit consolidation company called XXXX XXXX XXXX and Funds was automatically taking from my bank account from this company. I was under the impression that this company will pay my debts for me however I 'm being sued from a credit card company in attempt to collect This debt. I 'm not really sure on what to do because I have already submitted with court papers.
Hi- I applied for a credit card at US Bank for the XXXX XXXX XXXX. 

It had a bonus award for spending XXXX within 90 days of opening the account. 

After applying I got the card about 10 days later. Then 48 hours after meeting the spend requirement for the bonus, I got a letter saying they were cancelling the card because they said the charges were suspected to be for improper purposes. 

So I called right away after receiving the letter. They also said that they could not find my company in public records. I explained it was a Nevada LLC and just because I was in California that doesn't mean it doesn't exist and they should check Nevada records.

I also explained to the credit specialist " XXXX XXXX '' that US Bank was a Delaware corporation and Much like XXXX XXXX- this is suspicious activity to churn account fees ( this has a {$95.00} fee on the card and a way to get spend without paying out the bonus ). The guy honestly made no sense on the call and it appears like they are hiring just random people to do credit work. 

he also said he thought the purchases I made were suspicious even though I verified all of them. Some of them were chair massages for employees in XXXX XXXX which is axially a very common benefit in an competitive job market and he called it a " massage parlor ''. The call was a bit insane and I've never in my life seen anything like it. 

I asked to speak to a supervisor but he refused. All my calls to the bank go back to this same specialist and he said there was no appeal.
On or around XX/XX/XXXX, Midwest Recovery System of XXXX XXXX, Missouri, erroneously reported a debt of {$490.00} dollars allegedly owed by me to XXXX. I promptly sent Midwest Recovery Systems proof ( via cancelled check ) that that amount had been repaid on time to XXXX in XX/XX/XXXX. I believe XXXX is fraudulently attempting to collect money no longer owing to them, and that Midwest Recovery has not been circumspect enough with this account. They have been given ample time to contact XXXX and to remove this incorrect report from my credit reports ( XXXX, and XXXX  ), but have not yet done so. Despite frequent emails requesting or demanding that this hit be removed from my report, Midwest Recovery continues to sit on this, and in the meantime my credit ratings continue to be adversely impacted. 

Don't payday loan companyies XXXX consumers enough? Now they are fraudulently attempting to collect a debt twice, two years after the fact. This is outrageous, and Midwest Recovery is not doing enough to remove this error from my reports, or to contact XXXX to get this resolved.
I have repeatedly disputed credit report information to all three bureaus regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ), I received XXXX Cancellation of Debt forms in XX/XX/XXXX from XXXX ( tried to upload the forms but was given an error message ) .that were specifically marked that the debts were discharged/forgiven and supplied these to the bureaus who had been reporting them currently delinquent with open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I provided them in my disputes, they at first updated the items correctly. Unfortunately Equifax and XXXX subsequently reverted back to reporting it incorrectly as originally disputed ( XXXX made corrections and continues to report accurately ). I have spoken to supervisors with Equifax on numerous occasions who will correct the info manually only to explain to me that the creditor ( XXXX ) is the reason for this ongoing issue. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. This has caused an enormous amount of grief as I was approved for a student loan in XXXX XXXX for my daughters XXXX year based on an Equifax report that at the time had the corrected info. When they re-ran my report in XX/XX/XXXX the incorrect information was back on the report and my loan denied two days before taking my daughter to college. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts closed, with {$0.00} balances and no delinquency regarding monthly payment history past XXXX. It appears ( based on Equifax 's explanation ) that this lies with XXXX continuing to report the accounts inaccurately but I still believe it is incumbent upon the bureaus to report what they know is accurate regardless of what the creditor is reporting if they ( the bureuas ) have validated it. Please help me get this corrected permanently. It has been the cause of numerous credit related issues, specifically the ability to send my daughter to college as originally planned.Thank you for your time.
I  XXXX   XXXX  filled for bankruptcy  XXXX   XXXX   XXXX   discover  card cancelled account no problem they did not notify me when I called about card they told me I asked about cash back reward they said they would mail it to me now it is  XXXX  sent a demand letter 30 days late dated  XXXX   XXXX  still no reply my records indicate they owe me over 100 dollars
All three credit bureaus : XXXX, Equifax and XXXX can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records indicates my revolving credit has been established for 14 yrs, 10 months. This was NOT reflected on my credit bureau until I disputed I negative rating from XXXX, which was removed. Nearly immediately all credit bureaus this New Negative factor as stated above, arose and not one of these bureaus cares or can explain. Some have said perhaps it will clear up in a week, a month, they blamed algorithm 's ... ..etc! This is not satisfactory and the longer they all go not correcting this, the more my credit score suffers while I strive to improve it.
On XXXX XXXX, 2016 A credit collection Agency by the name of XXXX XXXX XXXX placed a fraudulent account onto my credit report for the amount of {$1900.00} with XXXX XXXX, which is not mine. I 've disputed this account numerous times with XXXX and XXXX. I 've done my research on the company and I 'm not the only victim. This caused my credit score to drop dramatically. I 've contacted the company only to be placed on hold and never returned to.
On the week of XXXX XXXX I spoke to XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX and she told me that after I take care my account with them they would update my credit report reflecting my account is closed and have a XXXX balance and is paid and satisfied and also mail me a letter stating that as well after XXXX business days they receive payment. On XXXX XXXX I made payment like we agreed and called to follow up on XXXX XXXX since I noticed information and remark that was added on my credit reports from XX/XX/XXXX that is not accurate. I spoke to account manager XXXX XXXX who stated that she would have to pull the recorded message so she can verify that the information I gave her were true. After she obtained the VM to verify she said XX/XX/XXXX will update my account to reflect that my balance is " XXXX '' and that my account is closed and paid and satisfied as agreed.
A representative named XXXX XXXX stated that I owe XXXX to a company named LMS Solution. I tried to tell the representative that she had to wrong person but she insisted on stating she was going to take me to court.
In XXXX of XXXX I lost my job and became worried about being able to make my mortgage payments. I called Wells Fargo Home Mortage to ask at what point payments made after the due date would report to the credit bureau. After a lengthy conversation with WF about my situation/concerns they suggested I take advantage of a WF Forebearance Plan for my future payments until I became employed again/ or was able to make my regular payments. After 2 additional conversations with WF prior to agreeing to this plan, I was assured two senerios would NOT happen. 1. No late payments would report to the bureau and 2. No lump sum of money would ever be due from me ( all late balances would be added to the end of my loan ). In XXXX of XXXX, ( btw while I was recovering from XXXX ) I received a certified letter from WF stating that I was to pay {$13000.00} or my home would be in foreclosure. I was in shock. I reached out to them to try and get this resolved by explaining what happened but I was very sick so I borrowed the money and paid the $ XXXX to their attorneys. I was too sick to take this on. After recovering ( or so I though ) I had another XXXX in XXXX XXXX which again forced me to put this unethical treatment on the back burned until I could fully recover. In XXXX XXXX, I had a copy of my credit bureau reports sent to me. All 3 show late payments of 120 days from Wells Fargo. The $ XXXX was disbursed as monthly payments that were late even though I had paid the agreed amount on time based on their Forebearance plan amount. This negative reporting has been on my credit report since XXXX.
On XX/XX/2018 ; I opened an HSBC Premier account online as per the rules of an offer from HSBC, so I may obtain a {$750.00} bonus from them. 
On XX/XX/2018 ; I added my wife as a joint account member at a local branch of HSBC in XXXX PA, and fully funded the account over {$100000.00} that day, using a combination of Premier account funds and a Certificate of Deposit, as per the qualifications of the {$750.00} bonus offer. 

The bonus offer stipulates a minimum balance of {$100000.00} must be maintained for 90 days and afterward a {$750.00} bonus will be given within the following 60 days. 

We have maintained a balance over {$100000.00} FOR OVER 190 DAYS NOW AND STILL HAVEN'T RECEIVED THE {$750.00} BONUS FOR THE HSBC PREMIER ACCOUNT. 

I have contacted HSBC 6 TIMES now, and they have agreed on several occasions that I have qualified for the bonus and should have received it. 
They have stated 4 times that they will look into the matter and call me back but did not call back on the dates they said they would call. 

There were 2 occasions I did receive a call back to be told there has not been an an answer to when the bonus would be received. 
I see many other complaints online regarding HSBC falsely advertising an account bonus and not paying the bonus. 
It is nearly 7 months since my account has been opened and fully funded. 
I should have received the bonus within 5 months per HSBC, but I have not received the bonus. 
Seems like HSBC is fraudulently offering a bonus to lure in customers. How else should I feel? 
Timeline : Account opened XX/XX/2018 online. 
XX/XX/2018 wife added as joint account member and account fully funded. 
XX/XX/2018 I called HSBC and spoke with XXXX to report not receiving bonus. response was I should have received bonus and claim opened in rewards campaign department at HSBC. 
XX/XX/2018 I called HSBC and spoke to XXXX to report not receiving bonus. response was I should have received bonus and claim opened in rewards campaign department at HSBC. 
XX/XX/2018 I called HSBC and spoke to XXXX to report not receiving bonus. her response was I had qualified for the bonus and should have received it. She said she took screen shots of our account and forwarded them to the rewards campaign department for resolution. 
Now we have 2 claims opened in the rewards campaign department at HSBC. 
XXXX said she would call us back on XX/XX/2018. 
XXXX did not call back. 
XX/XX/2018 I called HSBC and spoke to XXXX and XXXX to report not receiving bonus they agreed I should have received the bonus but there was no answer yet as to when it would be paid. 
XX/XX/2018 XXXX XXXX received a call from XXXX at HSBC stating no answer yet as to when bonus will be paid. She said it may take a few more days and she would call me back. 
XX/XX/2018 I called the HSBC branch in XXXX XXXX and spoke to XXXX to report not receiving bonus. 
Again we were told there was no answer yet as to when the bonus will be paid. 
HSBC needs to pay us the {$750.00} Premier account bonus or be held accountable for fraud and false / misleading advertising, and face severe financial punitive damages for knowingly doing so and failing to take corrective action.
Due to caregiver responsibilities for a XXXX mother with XXXX I am often away from my home for extended periods ( months even ). My mortgage lender has pad-locked my home twice in the last eight months claiming that the home had been 'abandoned. ' In the process the lender also replaced the lock which has breached the integrity of the exterior door and caused splintering of the wood ( I have pictures ). Further it was noted that the property was at risk and required 'winterizing, ' all the while I was paying my utilities ( heating, electric and water ) which were fully functional. A storm winter was broken and never repaired thereby allowing further break-in and vandalism since after breaking the storm window, the interior window was never secured. Additionally, I originally had my neighbor cut the grass and shovel snow as needed which is documented in a letter from my neighbor who did n't understand why someone else was mowing the lawn. 
Now after the second 'break-in ' by the lender, I no longerfeel safe in the property and more significantly have lost faith and face with my neighbors who do n't understand what is going on.