WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, we received an email XXXX XXXX, Mortgage Banker at Chase Bank, indicating that we were eligible for the Education Benefit Program, " United Guaranty 's Home Buyer Education '', and accordingly we completed the course on XX/XX/XXXX to earn {$500.00}. However, despite a confirmation email on our successful completion of the course and numerous promises by XXXX XXXX, including telling us on XX/XX/XXXX that we would receive the check in 7-10 days, we are still yet to receive the check. Furthermore, after numerous phone calls and stating that he was still checking on it but then we were informed that we were no longer eligible due to the amount of down payment despite completing the course months ago.
My XXXX XXXX XXXX Mortgage is being transfered or sold to new servicer, Nationstar Mortgage. 
The notice of Service Transfer was dated ( created ) XXXX XXXX, and post mailed to me. I received physical letter on XXXX/XXXX/XX/XX/2015. 

The effective date of transfer is XXXX XXXX servicers must notify you about the transfer of your servicing rights *no less than 15 days* before the effective date of transfer. They did not abide to this rule.
XXXX XXXX XXXX  reported me as thirty days late for the months of XX/XX/XXXX and XX/XX/XXXX. I have never been thirty days late on this loan. I disputed it and they did report it as never late to the three bureaus which reflected it correctly for two days in XX/XX/XXXX, They have reported it as late for thirty days for the same months again! I have called them four times and still they are reporting it incorrectly!
Their erroneous errors have cost me over {$15000.00} in my credit line as several credit lines have been reduced due to their errors!
My XXXX daughter is being solicited by credit card companies, and I am being told that I have to put a freeze on her credit files " if she has any '' ( which no one can tell me as no one has access to such ). " THE PROCESS '' is that I have to send confidential copies of her social security card, birth certificate, and a copy of my license with my address. I do not understand how as the guardian of my XXXX daughter I can not do this on the phone or online. Sending this information in the mail is the most insecure thing I can think of. Someone getting their hands on this would have all the information needed to falsify records and open false accounts, which is exactly what I am trying to prevent. I need assistance against the XXXX credit bureaus Equifax, XXXX, and XXXX.
I received this paperwork several days ago. I had no idea what this was for. I called the attorney listed on the paperwork. Their office advised me that a judgment had been ordered against me and they will get their money anyway they can. I spoke to an attorney and confirmed the judgement. I explained I was never served and had no idea what was this was all about. The attorney said he can take the case but will cost {$1200.00}. I do not know why I have to pay for something I have no knowledge of? I never received any paperwork or any phone calls from anybody for any debt. This should be against the law to be harassed at work for something I have no knowledge of.
Experian and XXXX I did a dispute with for account that show on my credit report XXXX XXXX account # XXXX I disputed this as not accurate not mine and it came back as updated as investigated correct. It stayed on my credit report. so I called XXXX to find out what information they had, I was send to there special accounts dept. they ask my SS #, MY ADDRESS, MY FULL NAME AND THEY HAVE NOTHING on record. So my question is where did these credit reporting agency 's get there information to say it is correct and leave this on my credit report. I would like this off my report it is negative and hurting my credit score. I hope you can help?? 
XXXX
XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( XXXX, XXXX, Equifax ) that  I owe a balance of {$180.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. This trade-line CAN NOT be 'written off ' and have a balance and is CLEARLY in violation of federal law ( s ). The guidelines afforded to me, a litigious consumer are as follows ....

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample.

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary.

Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.
Tuesday at approximately XXXX I received a call from XXXX. I was waiting on an important call and thought I would answer, although I do not usually answer unknown numbers. I answered and the person just said XXXX XXXX? I said who is this and they immediately said the were calling about a bill I owe point medical, I said who is this and the man said that I owe a bill and if I do n't pay it will is going on my credit report. I said I do n't owe anything what are you talking about? He then said something and I could hear some one whispering in the background to him and he said I owe XXXX money. I said no I do n't, and you never confirmed you were taking to the correct party not tell me this call is being recorded. He said something I did t understand and kept saying that I do owe and if I do n't pay it is going on my credit report. I told him that that are n't supposed to call me. I have had issues in the past with this company calling and harassing me. They are rude and I previously told them to NEVER call my number again. I will pursue the advise of my attorney because this is causing me undue stress and I have XXXX.
We took out a loan with XXXX and it was sold to GreenTree Servicing last summer. While dealing with XXXX, we never had any problem with our monthly loan payments being received and credited correctly to our XXXX accounts we had with them. When GreenTree took the XXXX loans over beginning XXXX XXXX, 2014 we began to have problems. 

XXXX of the XXXX checks sent in XXXX envelope for the XXXX payment was lost ( the other XXXX was cashed ), and numerous times both payment were posted to XXXX loan even though each check had the correct loan number written on it. We have sent in payments each month for the correct amount, but they are saying that we owe them approximately {$1200.00} on each account. 

We have repeatedly talked with their servicing agents, but they continue to say we owe these large amounts. We have even received information from them recently regarding loan defaults. We have been unable to get this straightened out with them and very much need some XXXX party help. 

The original PITI on each loan was approximately {$480.00}. My calculations for PITI monthly is {$460.00}. Their current billing is for about {$610.00}. My number is based on actual principal, interest, taxes and insurance. 

Their agents call us frequently wanting additional payments at odd amounts. 

We would like very much to talk with someone from the CFPB to help us get this straightened out. We can supply an actual payment history ( from our bank account ), as GreenTree 's numbers bear no resemblance to the actual payment schedule.
I need to get lower payments and it is not working. I am XXXX years old and still owe over {$60000.00}! I tried to get some kind of partial forgiveness or a better plan for my federal loans.I am a XXXX and was denied an educator lower payment!
While working for the Oklahoma Supreme Court in XXXX, I lived at the Regency in Oklahoma XXXX on a one-year lease. The apartment was below average but met my needs as I returned home in XXXX weekly. There were several incidents that occurred during my stay there including elevator outage, basement parting gates would not open and so on that were uncomfortable and unsafe. In XXXX XXXX, XXXX, around XXXX, with freezing temperature, the apartment caught fire due to faulty wiring - http : XXXX. Residents were temporarily moved to the XXXX XXXX but I chose to find another apartment and explained to management of my intention to vacate. I vacated my apartment and moved. I was told I needed to pay XXXX {$850.00} XXXX for XXXX month rent instead of XXXX months because of the incidents and the fire. 

XXXX XXXX, a collection agency for The XXXX, has been requesting that I pay {$3000.00} and has now place this collection note on my credit report. By not providing a safe and comfortable environment, I believe that the XXXX was in violation of their lease agreement. This is extremely unfair and unethical. I request that the Collection note be removed from my Credit Report and in return I would pay the {$850.00}.
Public Record Information ( This section includes public record items obtained from local, state and federal courts. ) We have verifiedthat this public record item is reporting correctly. If you have additional questions about this item please contact : XXXXI have disputed this information with transunion, as the case was dismissed with prejudice as well as was expunged from my record via court order. I went through and disputed it for the same reasons as it should not appear per the expungment order with the other credit bureaus and they removed it as per court order. However transunion is refusing to do so. I am seeking assistance from the CFPB to have the removed from my credit file with transunionbelow was there response to my dispute : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXXSatisfied Judgment Filed XXXX ; XXXX XXXX XXXX Court ; Case or ID # XXXX ; Defendant XXXX XXXX XXXX ; Amount {$8400.00} ; Plaintif XXXX XXXX ; Status Satisfied ; Satisfied XXXX ; Verified XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX : ( XXXX ) XXXX
I lost my job, so I immediately call Pacific Union Mortgage to ask for a payment deferral. It took them a month, but granted me 3 months with a payment of {$5.00} each month. When the first money payment of {$5.00} was due, I went online as I always had and they took off my online payment option. I sent them several emails asking them to fix this problem I finally gave up and sent in a check for {$15.00} ( 3 months ). After several months now, I call to find out why my credit score went from XXXX to XXXX, they said my payment deferral agreement is now void since my {$5.00} payment was late. I had to take a job in XXXX and almost was not able to even rent a house to go back to work because of them. I had to pull money from my XXXX to pay the extra deposit the landlord wanted. I called and told the woman on the phone to get a supervisor to call me to fix this problem since a late payment of {$5.00} is completely ridiculous to void my agreement. My payments were always on time since I obtained the loan with them. They almost want to destroy my credit when I was only unemployed for 5 months. I am a XXXX XXXX and have n't made less than {$XXXX} a year salary in years.
constantly calling and I do not owe them anything. 
They are calling my wireless number, which by law, they are not supposed to without my authorization which I never gave them. 
I don't khnow who they are, and won't give personal information to any random company that contacts me.
I have two loans with Lending Club : 1. Account No. XXXX 2. Account No. XXXX I made a payment 29 days ( by Certified mail with return signature card ) after initial due date of XX/XX/2018 for Loan XXXX. I have a signed return card with stamped time before XXXX XXXX on XX/XX/2018. They recorded it as received on XX/XX/2018 and they applied the payment to XX/XX/2018 payment and they have recorded that no payment was received for XX/XX/2018 payment. They are reporting falsely and fraudulently to the credit bureau that I am between 31-120 days late on my payment. Their accounting reporting online is unclear for interest calculation and also late payment calculation. They do not mail official payments such as required by every other loan company with the detail information of payments. I am requesting that they provide paper statements as required by every other bank and that they apply the payment they received on XX/XX/2018 to the XX/XX/2018 payment the way it should be. I did not realize until later that this loan company was affiliated with XXXX XXXX whom has been involved in so many fraudulent schemes in many year or else I would have not accepted this loan from this type of affiliated bank.
Unknown debt, I have not had any medical visits in a long time this is NOT accurate and untrue I owe anything to this company
Bank of America representatives have put my home into foreclosure. I was told that I had the option to do a deed in lieu of foreclosure but never received the paperwork. I 've put my home up for sale and have received a contract from a buyer at a price that is higher than what I owe on my mortgage balance. Bank of America representatives have not responded.
Still having issues with Seterus Mortgage. They did get back to me stating that they made a mistake on reporting my paid payments to the credit bureau. Got the letter and am still trying to get pre-approved for a loan. Now XXXX XXXX & other places I have been dealing with state that I have to wait until it is fixed on my credit report. Months? I 've been trying to get pre- approved since XX/XX/2016 They did n't report the payments correctly and now I am to get it fixed? Seterus is going back to XXXX through XX/XX/2016 and fixing the credit report. At least they say so. All I want to do is get pre-approved, sell my house and buy a different one. There must be a special circumstance with the mortgage company underwriters to approve this. They received the letters from the company. They apologized for any inconvenience ... well it is very wrong and how they stay in business is beyond me. Should I file a grievance with the credit bureau too? That I have to wait for something that I had no control over. Sure hope you can help with this one. Thank you! 

Also, XXXX Bank reported XX/XX/2016, late, which was wrong. Attaching this letter too.
My loan was transferred from XXXX XXXX XXXX to Nationstar some years ago. I have been paying my monthly payment online via their payment system. NOWHERE when I make payments does it say there will be a late fee of {$170.00} if I 'm more than 15 days late. It assessed an additional {$10.00} " transaction fee '' for 15-29 days in the month. I always made the minimum payment due later in the month but ALWAYS before 30 days. I was never 30 days late in all the years. Meanwhile, a late fee of {$170.00} a month was secretly accruing unbeknownst to me!!! I never had a " past due '' notice or a late fee notice online where I do all of my payments and business with Nationstar. It ALWAYS just showed the minimum amount due each time. SUDDENLY, years later a PAST DUE notice of more than {$5000.00} shows up. I called because it had to be a mistake. Nope. It was them finally telling me online in the payment center that I had a late fee that has been accruing every month for years! I HAD NO IDEA! There is no reminder ... there is not alert ... there is no box that pops up that warns you when you pay -- -ONLY a notice that a {$10.00} transaction fee will be assessed if you pay past 15 days. That makes it appear as though that 's the late fee. If they would have had XXXX notice that I had a past due amount because of a late fee I would have IMMEDIATELY changed my habits of paying the last two weeks of the month to the first two. I NEVER would have allowed this to happen. But they do it secretly and bury it in a statement in the mail, only -- so those who pay online -- which must be most everyone -- NEVER know about this until they alert you after it reaches some {$5000.00} or more. When I called they said, " do n't worry -- we 'll move that amount to the back of the loan. '' They are loving this late fee and do n't want you to know about it. I think this is unbelievably deceptive. I am enraged about it.
I was a victim of fraud. I am a XXXX. I was contacted through the Internet by a group that said they were a non-profit healthcare agency and they wanted me to edit a pamphlet on XXXX by an author whose native language was not XXXX. It was a legitimate piece of work. They said they were sending the check to pay for it ( {$200.00} ), and then told me they wrote the check for the wrong amount and asked if I could send them the difference. I asked why they did n't stop payment on the check, and the answer was the usual garbled flakiness you hear from a non-profit. When the check came I took it to my bank, with whom I had a 20+ year relationship. They usually give me immediate credit for any check, no matter how large. They said they wanted to hold this XXXX for 24 hours so they could make sure the money was actually in this company 's account, and when the funds were released, I could take the money out. I waited, the funds were released, I transferred {$2300.00} to the non-profit 's account, and then the check bounced. 
The bank took the {$150.00} in my checking account to apply to the arrears and said I owed them {$2100.00}. That 's a huge amount of money for me. I 'm on the wrong end of the age scale and have been trying to get a fulltime job since 2008. I live on social security and what I can earn XXXX and doing XXXX. I 'm barely making the ends meet. At the bank 's direction, I filed a police report and they also investigated. They determined that fraud had actually occurred, but are insisting I pay the money back to them, even though their teller told me that when the funds were released, it meant that the bank had determined the funds were really in the specified account. 
Please contact the XXXX XXXX, MD Police Department XXXX XXXX at XXXX and ask for XXXX. The case number is XXXX. They have all the pertinent documents in the file.
I called Barclay card on XX/XX/2018 and asked if they would honor me a credit line increase. Specifically asked, about their process. I have not been told that they are going to pull two hard inquiries. They pulled one on my XXXX and one on my XXXX. I called to dispute this issue and they said they do not have a dispute department. Please help me to get this two inquiries off my credit
Call at XXXX leaving messages they will sue they have repeatedly called my landlord to harass and embarrasse me they have been asked XXXX times not to do they also call constantly from different numbers also will not send debt validation letter.told my landlord that I owed money and was being sued.
XXXX Sent funds to a XXXX user for XXXX . These funds were sent in exchange for concert tickets. 
Concert tickets were not sent, and I attempted to reach XXXX user XXXX. After sending the funds, and never receiving the tickets. I contact wells fargo and XXXX. 
XXXX Sent an email to XXXX  , and opened a case XX/XX/27 at XXXX Called XXXX to report the user, and  receive the funds back. XXXX told me to contact my bank ( wells fargo ) XX/XX/27 at XXXX Called wells fargo, after opening a dispute case. Wells fargo said that they were unable to dispute my transaction, and that I needed to contact XXXX. 
XX/XX/27 at XXXX Called back XXXX and they then again referred me back to my bank. 
XX/XX/27 at XXXX Called Wells Fargo one last time in hopes they could assist me, received the same response Neither companies were able or willing to help me. XXXX did not even take action on a user collecting funds from an individual who doesnt provide the product. Now I am out XXXX , and did not receive the product I was looking to purchase, and had no help from either company.
This is the third complaint that I have submitted to Comsumer Dinancial protection Bureau for the last 2 weeks and I keep receiving responses that you are unable find this company. NetCredit I need to make managable payments I had an unexpectes emergency and they are taking all of my biweekly pay the company will not work with me.This company is NC Financial Solutions XXXX dba NetCredit regulated by Utah XXXX XXXX XXXX XXXX XXXX this loan isat 98.9 % interest
I made a large lump sum payment in XXXX 2016. There was a calculator on the website that provided the pay off amount which included the interest amount due. The lump sum payment matched the exact amount shown as the " pay off amount '' for the larger of the XXXX loans. I instructed the phone representative to apply the amount to the larger loan on my account. Instead, I was told the payment will be applied to the total amount of both loans. In addition, interest was subtracted from the payment amounts applied to each loan. Today, I have XXXX smaller loan amounts that are drawing interest.