WillisBack/dataset-financial-user-claim huggingface dataset:
I had been doing business with XXXX since XXXX with no problems to my account that I was aware of. In XXXX XXXX I started to get emails and correspondence from an XXXX rep that my company owed {$2500.00}. They sent me their company spreadsheets with open invoice numbers. My wife tried several times to speak with the rep over the phone to go over our payment history but was not able to resolve this problem. We did n't understand how we could owe more than a years worth of services when we has been making monthly payments and if we did owe so much why would they continue to service our account. 

On XXXX XXXX, XXXX my wife was contacted by email by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. He requested that we review invoices that he sent and payment status of those invoices in question. My wife emailed him all the payments with the check numbers on XXXX XXXX, XXXX. She totaled the amount of payments made and it was more than the amount they were requesting. She proposed that it may be possible XXXX owed us. She notified XXXX XXXX in writing that we do not agree with the amount owed to them. At this point, WE discontinued services with them. 

My wife emailed XXXX XXXX XXXX, XXXX and XXXX and never got a response in regards to the information she provided him. 

We received an email on XXXX XXXX, XXXX by XXXX XXXX of XXXX XXXX XXXX stating they represent XXXX and demanding the payment of {$2500.00}. My wife called him to explain she was still waiting for XXXX XXXX to contact her with results of all the info she provided to him at his request. My wife XXXX stated that XXXX XXXX interrupted her and began demanding the money and disparaging her. She hung up and we hired a lawyer. 

We sent all our correspondence with XXXX and XXXX XXXX to XXXX XXXX XXXX, XXXX located in XXXX XXXX. He sent notification that we hired him and for all correspondence to go directly to him. He never heard anything back from XXXX or XXXX XXXX. 

On XXXX XXXX, XXXX we received a collection notice letter from National Commercial Services on behalf of XXXX requesting payment of {$2300.00}. I sent this directly to my lawyer who sent correspondence on XXXX XXXX, XXXX notifying this company that he represented us in the collection matter. 

XXXX XXXX has not heard anything back from this company. 

On XXXX XXXX XXXX, I checked my credit report and saw that XXXX has reported me to the credit bureau stating I was delinquent in the amount of {$2300.00}, which is a different amount then what they originally told us we owed back in XXXX. 

We have provided documentation of our payments to XXXX, we have put in writing that we disagree with the amount they are requesting and they have failed to send any results or supporting data of what we owe. XXXX also refuses to contact my lawyer even though they have been put on notice that he represents us.
In XXXX XXXX, I began receiving numerous debt collection letters from XXXX XXXX XXXX for debt I did not recognize. The only debts that could possibly be related to me are from XXXX -- when I had a XXXX and was unable to pay my bills, and creditors would not work with me to set up a payment plan. I have not made any payments on these debts since XXXX, and I have been informed that these debts are now time-barred. I do not know why I suddenly began receiving collection letters in XXXX of this year. With the help of an advocate, I sent XXXX XXXX XXXX a certified letter to cease all communication with me and to record in my file that I did not want to receive any future communications about these debts from anyone. I am a senior and a XXXX veteran and receiving these letters makes me very stressed and anxious. Despite my letter telling XXXX XXXX XXXX to cease communication, the alleged owner of the debt XXXX XXXX has apparently now placed my account with another debt collector, XXXX XXXX, XXXX who is now sending me collection letters for the same debts.
Bought XXXX XXXX XXXX XXXX on XX/XX/2007. Struggled for 7 years to pay about 1000.00 per month. Argued about late charges went to court settled for XXXX over a year ago still have no title and can't use car. M and T bank have lied to me, harassed at work and threatened me with bodily harm.
Inaccurate information on my credit report Experian is refusing to take off the negative information and investigation team is not doing their job. My bankruptcy is XXXX owe and XXXX claim.counts are fully paid off and never been late.
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX and XXXX XXXX XXXX
WELL FARGO REPOSSESSED MY CAR FOR FALSE REASON OF INSURANCE THAT HAS BEEN CLEARED BY MY INSURANCE COMPANY. WHEN THE CAR WAS RELEASED AFTER FEW DAYS, THE CAR WAS DAMAGED AND THE WHEELS WERE REPLACED TO THE BAD ONES, INCLUDING SPARE TYRE. MY PERSONAL BELONGING IN THE CAR WAS ALSO STOLEN. MY LOSS SUBMITTED WAS $ XXXX.WELL FARGO DENIED RESPONSIBILITY AND ASKED THE CLAIM SHOULD GO TO THE RECOVERY AGENT. THE RECOVERY AGENT DENIED. ANY CLAIM SHOULD GO TO WELLFARGO.
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, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX, Chapter XXXX Bankruptcy Dismissed XXXX
Only XX/XX/2018 I had made a purchase that was advertised on XXXX who then took the company down from advertising and doing business from their site for fraud. No item received - no refund even though the seller had wrote an email on XX/XX/2018 saying the money had already been refunded. Both PayPal and my credit card attached to PayPal have sat on this issue for 33 plus days. I pretty much filed on XX/XX/XXXX or so. 
XXXX XXXX  XXXX XXXX  says they see no credit and when trying to call the real merchant at XXXX as its only an online site, that dont get the real merchant they get PayPal whom they both are blaming each other. The facts are I filed a XXXX  complaint on both companies and I do that as a first step in hopes that the company can resolve civilly and also that I have proof I filed a case. 
On XX/XX/2018 a XXXX XXXX at PayPals executive office/executive relations wrote me saying he would like to discuss this matter. I asked why he sat on a claim for 33 plus days. He said I filed it wrong but they wouldnt allow my to refile. They knew and never responded for over 30 days that they had XXXX  case open but they did nothing. They seemingly like fraudulent sellers much like the card I have attached to PayPal. XXXX says he opened it and then closed it because he has proof that the seller refunded but my bank hasnt seen it and I have not either. 
XXXX was rude so I gave him the same attitude back threatens me with Im being recorded ( like I care ) when they dismissed a XXXX complaint - which I know they can but I at least try to resolve on that level before I have to go higher. 
XXXX seemingly thinks its normal to sit on no refund of merch for 33 days. 
How these companies are allowed to do this when I showed them proof months ago I dont know. 
XXXX needs to fired. Total liar and really couldnt tell me why he didnt respond to the XXXX - it was only until XXXX called them that they decided to respond to make themselves look good.
To Whom It May Concern : I have nowhere else to turn. My current mortgage lender ( Mr. Cooper ) has me over a barrel. Ive been trying to refinance for the past 2+ years, but every time I try, Mr. Cooper puts up a road block. 

What happened most recently, I make weekly payments for my mortgage, but in the month of XX/XX/XXXX I had one weekly payment reversed which resulted in a partial payment for XX/XX/XXXX and thus triggered a 30 day late status. 

Mr. Cooper did send a letter about the reversed payment, but I was unaware of the letter because I spent 3.5 weeks traveling in XX/XX/XXXX. Also, the letter that I received from Mr. Cooper was dated XX/XX/XXXX ; well past 30 days late and didn't give me an opportunity to rectify the payment issue. I was unaware the check was returned until I received/saw the letter. As soon as I came home, I saw the letter and made the payment right away. The payment was made on XX/XX/XXXX and that was for the balance of the XX/XX/XXXX payment ( the other weekly XX/XX/XXXX payments went through ).

I made a good faith effort in paying on time for XX/XX/XXXX, but due to Mr.Cooper notifying me after the fact, it made me miss the full XX/XX/XXXX payment by a few days. 

I can't seem to talk directly to the department within Mr. Cooper that investigates and reports to the credit bureaus in order to explain what happened. I keep getting the run around when I try to call in.
Team I have had Credit monitoring service with Experian for several years and I had paid a monthly subscription fees for it. However, my subscription fees jumped to {$17.00} suddenly in XXXX. When I tried to call the customer service for an explanation and cancellation, there is a wait time of over 2 hours irrespective of the day and time of the week I call. I made several attempts trying to connect to the customer service and could never get across to them. I can not cancel my subscription online and have to rely on a non-existent customer service line.
When I apply for a mortgage or car loan, the finance officer has a different credit score than I get on-line, or even when I receive a statement from the XXXX agencies. Their score is always lower. I do n't know if they 're lying so they can charge a higher interest rate, or there 's two different scoring systems. Which is it?
I got into an accident and my car was declared totaled. After my insurance and the gap made the respective payments I was left with a balance of a little over one thousand dollars. I always had the best intentions to make the payments to the point that as soon as I was in the accident I was going to make a payment, however, I was n't able to since Capital One had already turn off my account. Then I started receiving phone calls from an auto dialer and every time I picked up was always a machine. Then I was able to find the time to make a phone call and I was close to then get to a settlement. After that I had a loss on the family and had to leave the country and also incurred into many expenses that I had n't budgeted for. When I came back I saw that Capital One had negatively reported me to the credit bureaus which caused for my FICO score to drop over XXXX points. I did not like that since I had been working on fixing my credit for the last XXXX years to purchase a house. With this drop it is nearly impossible for me to get qualified for anything. I also went ahead and got to a settlement which I paid the same day I got on the phone with someone. I find ridiculous that my credit took such a dive due to this.
Back on XX/XX/XXXX thru XX/XX/2017 I was a victim of idenity theft. Someone wire frauded money out of my checking account therefore making me 2 months behind on my mortgage. I have filed a FBI report and a XXXX XXXX Police Department report ( report # XXXX ) I'm asking wells Fargo to remove all the 30 days past due on my credit report to all the credit bureus. I can provide a copy of police report if needed.
My mortgage got sold in XXXX of XX/XX/XXXXto Carrington. When it got sold i was behind on payments. I contacted Carrington in XXXX of XXXX to ask them what would bring my account current. The lady told me {$2000.00} would bring the account current. So i sent the XX/XX/XXXXas well as the XXXX payment. Now they are telling me that im behind one full payment plus late fees. When i questioned this they cant tell me why because their computers dont go back that far. They can only see two years back and that i would have to speak to the research dept to clear it up. I asked to speak with the research dept and i was told that they dont take phone calls.So i cant talk to anybody to try and straighten it out or get answers. It is so frustrating not being able to get any answers. Im not going to give them any money unless they can tell me why im late. As of right now, they cant answer that. I gave them the XX/XX/XXXXback in XXXX to make it current but they didnt do something right which makes me uncertain about giving them any more money. They keep telling me that my payment for the first of every month is getting applied to the month prior so now i have alot of late fees. They cant tell me why im late in my payments and i dont what else to do.
My student loans were transferred from the XXXX XXXX XXXX XXXX to Edfinancial in XX/XX/XXXX. Since then I have experienced a drastic drop in quality of service. The website and documents have reflected inaccurate record keeping and my displayed balance and payment amounts have fluctuated, some by the thousands, when I logged in to print my loan summary or view my payment history. The month they said my debt was paid off in their error, my documented debt had actually doubled. For instance, in XX/XX/XXXX, my balance was {$5300.00}. In XX/XX/XXXX, it was XXXX. Then in XX/XX/XXXX, it was XXXX. In XX/XX/XXXX, I took a screenshot of my payment history showing payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that were all different from the ones showing when I took a screen shot in XX/XX/XXXX. When I called and asked for a detailed payment and balance history log to explain the consistent fluctuations in my balance for greater than 12 months, I received a small document with a few short tables someone typed into. When I recontacted them several times on the phone, I was told repeatedly to send an email to the distribution list. When I did that, it took over a month to get a response and I still did not receive a detailed payment and balance history such as what I previously received from the XXXX. Every time I call to discuss an issue or ask a question, they say they will get back to me but instead make some change to my account instead before we speak. For instance, I called once to inquire about reallocating some of my XXXX loan repayments from a couple of years ago and they said they would call me back. Instead, they reapplied those payments and notated that someone from the XXXX called. This is below the standard I expect and deserve from a financial institution and I have lost trust in their accuracy, competence, and work ethic. I feel as though they can reallocate, increase, and/or change my loans at their will and I am helpless to do anything about it. I have screen shots and printed documents to support my statements.
TD Bank XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX This company has repeatedly contacted me after I referred them to my attorney. The last time they called was XX/XX/2018 at XXXX.
I closed on my mortgage loan on XXXX/XXXX/2016. My rescission period ended on XXXX/XXXX/2016. My funds were n't disbursed until XXXX/XXXX/2016. 
LoanDepot would not return any of my calls during that period. My escrow account changed and it took them that long to figure it out. 
They made me get updated payoffs before the closing and did n't use the updated payoffs at closing. Now on XXXX/XXXX/2016 I am getting phone calls from my accounts. They are all charging late fees and interest. I am very dissatisfied with the service I received and feel that LoanDepot should cover ALL the late interest and late fees. The loan closed on XXXX/XXXX/2016 and should have disbursed on XXXX/XXXX/2016. All of our accounts should have been paid off by XXXX/XXXX/2016, even with mail time.
Equifax reporting XXXX XXXX XXXX amount of {$670.00}. I have disputed this account with XXXX XXXX and Equifax. After dispute XXXX and XXXX removed the account and Equifax removed the account then placed it back on. This account does not belong to me.
I was made aware of a breach in security of Equifax on Friday, XXXX XXXX XXXX for a breach that occurred on XXXX XXXX XXXX. I used their online tool to determine if I was a potential victim and I was indeed listed as a possible victim of identity theft. The company failed to inform me of the breach when it happened.
XXXX  XXXX XXXX listed a 30 day late payment on my credit report for XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30 day late payment from my credit reports.
Bayview Loan Servicing response is incomplete and did not provide a sufficient answer to the questions. Please provide the following : 1 ) amortization schedule for mortgage. 2 ) review payment history and match payments in suspense account with monthly payments dating back to XX/XX/XXXX - XX/XX/XXXX BAYVIEW LOAN SERVICING DID NOT REPORT ALL MONTHLY MORTGAGE PAYMENTS MADE and resulted in inaccurate reporting for XXXX Mortgage Interest Statement showing {$4300.00} mortgage interest received - please look at payment history provided in this complaint and cross reference with Bayview Loan Servicing records.

4 ) Please explain how all the below calculations were calculated and reported on The XXXX Form XXXX Mortgage Interest Statement Bayview Loan Servicing reported {$24000.00} - Total Interest Applied XXXX : see below Total Interest Applied XXXX : {$20000.00} Payments Applied to Previously Deferred Interest : {$6300.00} Prepaid Interest Applied : {$2700.00} Net Prepaid Interest ( Current Year ) : {$2700.00} XXXX Mortgage Interest Received from Payer/Borrower ( s ) : {$24000.00} ALL CREDIT BUREAU '' S - Bayview Loan Servicing has not reported Monthly Payments.

IN REGARDS TO THE STATEMENT FROM BAYVIEW LOAN SERVICING THAT THIS A DUPLICATE QUESTION ... THIS IS NOT A DUPLICATE QUESTION AND BAYVIEW LOAN SERVICING MUST STOP USING THE TERM " DUPLICATION '' AS AN EXCUSE NOT TO PROVIDE THE REQUESTED DOCUMENTATION. IT IS POSSIBLE THAT THE HIGH TURN OVER OF PERSONNEL INSIDE BAYVIEW REQUIRES REPEATING THE QUESTIONS BECAUSE IN MY EXPERIENCE THE SAME PEOPLE THAT WERE ASSIGNED TO MY CASE HAVE QUIT OR HAVE BEEN MOVED TO A DIFFERENT DEPARTMENT> THE ABOVE STATED REMAINS AN UNRESOLVED ISSUE. PROVIDE THE INFORMATION.
I went to XXXX County Court XX/XX/XXXX over this matter. XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX and XXXX, XXXX XXXX , PA XXXX, are still trying to collect a debt that is not mine. FBCS # XXXX, {$20000.00} ( XXXX XXXX ). This card and others was paid by a loan taken out XX/XX/XXXX over 15years. This loan is now paid off. 
I was sent a letter by XXXX XX/XX/XXXX that my personal information was hacked from their office. 
I received a letter from Secretary of Veterans Affairs dated XX/XX/XXXX my identity was stolen ( retired XXXX XXXX ). 
XX/XX/XXXX, US Department of Justice filed charges aganist defendant XXXX XXXX for tax fraud against myself and others XX/XX/XXXX.
This Companies are reporting information that do not belong to me on my credit report. I've been denied credit because of this. I've called and talk to numerous people about this error. I am being ignored. Again these accounts do NOT belong to me. I have no idea. 

XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX/XXXX XXXX Account XXXX
I am not familiar with XXXX pay and did not understand the great risk this provides to consumers. I believed this to be safe as it was through my Chase bank app. I have been with Chase for almost 20 years and trust their mobile banking and now am sadly regretful. I am being told to deal with the merchant except the merchant has refused to answer my inquiries and now shut down communication. The website of the said merchant looks entirely legitamite and is even using the faces of highly successful brands with individuals linked to their social media without their consent. In performing research of the phone number and other associated information available through PI it is very clear this merchant is continually creating new account title holders to perpetuate this cycle of fraud. Furthermore as this is a non fixed voip being used I believe they are fraudulently using the identity of the real XXXX XXXX Chase Bank told me they wouldnt even investigate, report this to XXXX or allow me to file a report or take any potential recourse for the matter. There isnt even a protocol in place to address this issue yet! The chase mobile app verbiage makes a point to deceptively position this app as under the branch of Chase banking service and as such, imply a degree of entitlement to its customer service protection protocols. Chase has your back which reads on the very same link as the XXXX tab ... .is most certainly not true. This places consumers at risk when using this mobile service and does not flag the concern of Chase in the slightest. At minimum the risk of using XXXX on your mobile banking app must realistically be made aware to the public as it stands to be potentially devastating I have plans to file reports with all corresponding authorities as well as notify and contact the individual whose identity is being misused to inform him. I also intend to urge My neighbor who works in television that the news network should perhaps present the risk of using XXXX and XXXX integrated banking apps to the public. I understand fraud and scamming are overwhelming rampant but a banking mogul such as Chase not having any recourse of action is simply a risk that needs to Be disclosed more throughly. I would not have clicked on the to link to the extent I did if I would have been better informed.
We have received certified mail regarding the status of our loan, According to the letter we are in default and must cure this by the XXXX of XXXX. We have called frequently and communicated our loan difficulties, especially after Disaster Harvey in XX/XX/2017. Our loan is now 5 months behind. This amount will not be cured by XX/XX/XXXX and we would like to know what our options are. We are ONLY interested in keeping our home and are doing what we can to cure this. Unfortunately, this remains a slow process but we are seeking remedies, including local, federal, state and legal assistance. This can not include any financial assistance because I am a federal civilian/military employee and must exercise benefits and rights under this position. We have called only to be told we have already utilized the only option available to us. A modification was already completed and we still await an answer to the tax portions of our loan. In the meantime, we intend to address this default.
Several months ago, I asked for the original loan documents for my student loans serviced by Navient. Navient responded by telling me that they would send the documents to my home address. To date, they have not done so. I have requested these documents multiple times, and have never been provided any proof that the original loan documents actually exist, the amounts of the loans I have taken out, the interest rates I agreed to pay, or any other details I am seeking. I do not understand why Navient can accept my payments every month with no issue but can provide no documentation of the terms, interest rates, or proof that the loans actually exist. I can not review Navient 's performance in servicing these loans if I can not see the original loan documents themselves. I feel this is an unfair and abusive practice, and I hope you investigate this matter under your UDAAP authority.