WillisBack/dataset-financial-user-claim huggingface dataset:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, AND XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
The creditor Midland funding LLC original creditor XXXX has entered a judgement against me for a debt that has past the statue of limitations and is time-barred in XXXX. I believe they are conducting unfair business practices. They have violated the Fair debt collection practices act.
I have, on 4 separate occasions attempted to update my credit report through Experian. I am a victim and have several account VERY negatively effecting my credit. I have send in the identity theft report, proof of identity, proof the account are not mine, only to be told the information has been " updated ''. But all they did was make a comment stating " consumer disputes account ''.
I contacted Capitol One with a Goodwill letter to remove my one late fee back in XX/XX/XXXX due to family emergencies. My mother was diagnosed with XXXX XXXX and I had to get flights to go help her with XXXX. I spoke with someone from the executive office XX/XX/XXXX who would not help me to remove my late fee. I have never been late before other than this one time.
Contacted this company on  XXXX   XXXX  about a couple of negative items I found on my credit report and came to found out that they are medical bills from ER visits and informed me that I have no knowledge of these since I already have insurance and these ERs are not close by or in network of my insurance and requested to see copies of what they have. I got hang up on and disputed that with the credit bureaus.   This company is committing fraud and very unprofessional, I received finally this month a copy from  XXXX  of what looks like a made up bill with no info on it.  Paramount Recovery System should do better at protecting consumers and investigate when identity theft is in question.
I had an account with XXXX above 3 years ago that I had terminated. Upon termination I had my account sent to collections stating I owed money. I spoke with XXXX and they verified I did not owe and sent me a refund check. 

Since then I have had XXXX different collection agencies show up on my report showing this account. Each time I dispute the account and then months later another account from a different agency pops up. This is becoming a huge pain and I am having to regularly check my report just to make sure another collection agency has not been added. 

Clearly that original account was sold to multiple agencies and XXXX refused to notify them so now I am being bombarded with collection attempts for a dept that was proven not mine. 

Below are the XXXX collection agencies ; XXXX, XXXX, I.C XXXX Systems.
I called the 3 credit bureaus to put a personal statement on my report. They asked me the usual questions in regards to verifying me, but they asked me a bunch of questions regarding my student loans. They were trying to get me to verify that I took out the loans and I said I did not. This was the whole reason I wanted to put an identity theft tag on my personal statement as I am fighting with XXXX about it currently. I tried to talk with Equifax before about the identity theft of 2016 and to dispute items on my credit report and they made it impossible for me to dispute them. Its like they want to have negative things on my credit report. So I had to claim bankruptcy. When I applied for a loan for a house last year, they said that I should be able to request a personal statement, So this is why I called the credit bureau. XXXX  told me after about asking at least 20 questions that I still was not verified. They would ask questions like what was the balance on your credit card two years ago? This is ridiculous. I spoke with XXXX and I told him because he was in a foreign country, I wasn't sure I was speaking with Equifax. I said I wanted to talk with a supervisor who was English speaking and they sent me to another foreigner who asked the same questions that XXXX said I got wrong. I am very uncomfortable after what happened sharing any information about myself, let alone being asked 20 questions. My student loan accounts are inaccurate and I never took any loans from anyone other than XXXX XXXX who sold them to XXXX. I cant even put a dispute in or put a personal note about what happened 2 years ago due to credit card fraud.
I was hospitalized in XXXX, XXXX and XXXX of 2016. Because I was hospitalized I immediately contacted my mother to contact my mortgage company. The set up a modification program for me during this time. I met all obligations that they ask and my mortgage is current. They reported me 30, 60, 90 days late to the credit bureau. I am disputing this because it is affecting my credit score. I am selling my current home to satisfy the original terms of my loan. However, I can not get financing because my credit score is XXXX and no one will work me until my score is XXXX. I believe if my mortgage company did not report me as late, and I met their agreement, my credit score would reflect higher than the minimum requirements of XXXX to work with another lender.
My student loan is through Navient. 
I calculated my minimum payment for my loan and I got {$830.00} but Navient told me I have to pay {$950.00}. I called them and told them there is a miscalculation but they would n't listen to me and tell me " its better for you, you will pay it faster ''. I told them that is for me to choose. If I want to pay {$100.00} more ill pay extra but I want my minimum payment to be the MINIMUM amount as the name suggests. I had to call XXXX people explain to them math and now they do n't know how to calculate until they agreed that they had miscalculated and reduced my minimum payment. For the past year I was paying over {$100.00} more on my payment when I should n't have.
In XXXX 2015 we recieved a call from an agent at XXXX - XXXX California advising that they are calling all existing lessors that are near expriration to participate in their early return and exchange program and to bring the car for inspection to qualify. I had a XXXX month lease and it will be up in about 5 months. That following week after we got the call, we decided to bring the car in and get it inspected to see if it would qualify into their early return and exchange program. We waited in the dealership while the car is being checked and several hours after that the agent came back and advised us that everything is good and the car was inspected and checked and it is qualified for the said program and that we can select another car or a totally different car and they will take care of terminating the existing lease and the remaining lease and terms. 
We had chosen to upgrade from a XXXX to an XXXX and they asked us to pay for the additional funds to get to the chosen car and we then went on to sign up for a new lease and this time for more monthly payment. We ere coming from a an almost double the monthly payment from $ XXXX monthly to {$680.00} monthly. We paid the additional required down payment, signed the new lease and we drove out with the XXXX. 
Four months later, we received a call from someone at XXXX XXXX advising us that we owe them over {$3000.00} for excess mileage. and we argued to them that we do not believe it so because the dealership did not adrress it then in XXXX 2015 when we exchanged the XXXX to the new XXXX into their so called early return and exchange program and their inspecttion should have addressed that before we even get lured into signing for a new lease. Had we known that then, we should not have gotten into their bait and switch and that they are misleading the consumers and come back to it after the fact and almost to a point of no recourse. 
Honestly, our original plan was to keep the XXXX hybrid lease because of low fuel consumption and we would have gotten it re-written to a purchase but because we were misled the other way, they had induced us to sign up for a lease that is from a {$390.00} to a {$680.00} monthly and they are asking us to pay {$3700.00} thru a collection agency - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ext XXXX as per letter recived from XXXX XXXX of this outfit.
My payments increased from {$800.00} to approx {$1100.00} and I did my best to pay. I became delinquent around XX/XX/XXXX. I was confused, facing homelessness, and not sure what to do about this. I reached out to Nationstar/Mr Cooper, for assistance. They spread the payments over a few months. I was unable to maintain. I was not given any other options. 
In XX/XX/XXXX, a local ministry/consultant informed me of possible options to Prevent Foreclosure. I paid No Money to this Consultant and gave written authorization to Consultant to speak on the account. On XX/XX/XXXX, we informed Nationstar of our intention to short sale and prevent a foreclosure. We were informed that when an offer is received it must be initiated by a real estate agent via XXXX XXXX. 
We advised Nationstar/Cooper that there was no real estate agent involved and that we hoped to have a Cash Offer soon after the home inspection is completed. 
Nationstar/Cooper did NOT CLARIFY PROTOCOL to complete a Loan mod packet FIRST, then go to XXXX. On XX/XX/XXXX, XXXX rep Unique, XXXX, and XXXX informed Consultant of Mr Cooper site and XXXX. However, the packet was to be mailed to my address as we focused on details of raising the money to pay Cooper account off. I never received the packet that Cooper says was mailed out. All of my mail is being delivered properly EXCEPT Mr Cooper. During this time, the account was sent to foreclosure and a  foreclosure sale date was set for XX/XX/XXXX. 
TO DATE, I HAVE NEVER RECEIVED A NOTICE OF A FORECLOSURE SALE. 
The Consultant found out about the f/c sale date by word of mouth. In fact, when we call in they verify the account but did not mention the sale date until we asked. 

As of XX/XX/XXXX, it was made clear to me and the consultant. XXXXXXXX   never had intention to assist me with saving the home from foreclosure. Therefore, I am writing you for help. This Home does NOT have to go to foreclosure if given clear instruction for mortgage assistance.
I purchased a 15 year loan in XXXX XXXX from Wells Fargo ( loan # XXXX ). I was told that if you paid twice a month as opposed to once a month that it would reduce 4 years from your mortgage. I contracted for this in XXXX. Apparently Wells Fargo used a third party XXXX XXXX XXXX XXXX to administer this. I am told that they send a the extra equity payment once a month to the loan holder ( Wells Fargo ) whereas usually this this is done twice a month. Consequently, the additional equity has not accrued at the rate that I was told ... such that the mortgage would be paid off in four years. 
I called in XXXX and was told that the payout date was XXXX XXXX - this is longer than the 11 years promised but I accepted it. I now called to confirm the payout date so that I can make plans for retirement and I am told a different story ... that the payout date is XXXX XXXX. 
What this means is I have been told different stories every time that I call. The load was not set up the way I contracted and/or they changed their process and did not tell me. 
I would like this reviewed and the payment schedule to be re-configured in accordance with the original guidelines that I agreed to. 
As it stands now, paying twice a month ( at a hardship ) only yielded a little more than one year taken off the the fifteen year loan term. 
XXXX XXXX XXXX cell XXXX email XXXXXXXXXXXX
The company is continually calling my XXXXyr Olds cell phone, left a threatening vm that they were going to sue him. I 've called them 3x in regards to this matter stating they have the wrong phone number, and they said it was removed from their files not even asking my name, the number or anything. They are constantly calling and wo n't leave a voicemail. I just want the calls to stop!
On the morning of XXXX/XXXX/XXXX, I was notified by phone notification from Chase.com that my checking account had a negative balance. Upon signing in to my Checking account online, I was made aware that three ACH debit transactions were processed on XXXX/XXXX/XXXX that had put my account into negative status. I was awake on XXXX/XXXX/XXXX to past XXXX and never received a notification from Chase Bank that my account was negative, which is normally the case. Had I known that these transactions were processed, I would have had the opportunity to rectify the situation and bring the account current. The representative I spoke with over the phone this morning first stated that these debits were processed around XXXX XXXX, which is untrue. Then stated that they were processed close to XXXX and again, I was NOT NOTIFIED, and in response to the Chase employee, there was NO interruption in my phone service. I can provide proof. She further stated that these debits are processed by the outside company retrieving these funds and that these were not processed at those particular times due to Chase Bank 's doing, but rather the company requesting these funds. I, the unknowing customer am forced to believe what she is saying is true. I have very high doubts that this is the case. Chase Bank is known to be one of the largest banks that makes the most profit on fees on their customers and I now know how they do it. Just like they did to me. They wait to just before XXXX to process a debit so that they can charge fees after XXXX for the transactions. I now have to not only cover my transactions, but the fees, which makes it much more difficult for me to obtain an extra {$100.00} for the fees that they charged me. I believe that Chase Bank is practicing bad business by purposely processing transactions in this manner, in order to be able to charge a customers account these fees ( making record profits ). I would like to have my {$100.00} refunded so that I may be able to place the funds for these transactions into my bank. I believe that there needs to be an investigation on Chase Bank business practices as I believe they purposely take advantage of their customers. I will be seeking media attention exposing these practices.
Annual Escrow Analysis was performed on XX/XX/2018. 

As usual, I request RE-EVALUATION to REMOVE TWO MONTH DEFAULT. 

it's a painful process which i have to request every year .... 

Penny Mac automatically increase my payment every year. 
every year i need to call and request them to remove additional funds in the escrow and keep my payment AS IS ....
I received an email from the company stating that transaction fees ( 25 % ) for cash draws made between XX/X/17 - XX/XX/17 would be reimbursed as a credit to my account balance within 14 days. 

I sent an email for clarification and they confirmed this offer. I then made an advance request. 

14 days later, I saw no credit on my account. I emailed and they said I would see it on my next statement. Now, 25 days later and after having received my statement, the credit is still not there. 

I Would not have requested the loan if not for this offer. They lied and tricked me into taking a loan with the promise of waiving the very high transaction fee.
Navient  misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release.
Loan Modification Application was sent via email ( XXXXXXXXXXXX ) to Ocwen on XX/XX/XXXX. Additional documents were requested on XX/XX/XXXX by the plaintiffs attorney XXXX , the request was based on the borrower seasonal income period worked, that request was responded to and the question addressed via a letter of explanation XX/XX/XXXX. On XX/XX/XXXX updated documents were sent for the continuation of the modification review. Once again another request was sent regarding the borrowers seasonal employment, a letter of explanation was sent and also proof ( class schedule ) start and end time of the seasonal employment. Due to the delay in review, Ocwen then requested updated documentation for the co-borrower, this request was adhered too, however the delay in review and the sporadic erroneous request kept on for almost two months. With the most recent being XX/XX/XXXX, where the servicer has revisited and requested additional information on paystubs that were submitted since XX/XX/XXXX. 
The requests are unnecessary and a delayed tactic that the servicer is engaging all requests were responded to and all questions addressed.
XXXX turned me down for a lease on a new vehicle, stating that EQUIFAX ca n't give them a credit score, due to some kind of Fraud Alert, of which I know nothing about, nor where it came from, and cant get any answers. No explanation, nor have I been provided any documentation. I have good credit, with no problem getting a credit score from XXXX of XXXX.
I bought a travel package deal with my husbands credit card and we were both going to travel to XXXX. The promotion price was {$1100.00} for 7 nights. the resort charged the total amount, then only returned our deposit of {$350.00}. Then our money was returned and Citibank allowed another transaction to be charged, they billed our credit card the balance of {$820.00} which I had already told Citibank not to do and they went ahead and let the charge be applied to our citi credit card and now refuse to help me get the money refunded. So we did receive a total refund, but then citi bank allowed another charge of XXXX to be added to my card. If I had not called to check on my reservation the day I was to catch the plane, I would not have known that it was cancelled.
I Have asked EXPERIAN to take off this derogatory information for quite a while and they continue to allow DEBT COLLECTORS to become an unauthorized user of my private non-public information, which is according to the XXXX XXXX XXXX ACT a violation, also this is called IDENTITY THEFT pursuant to XXXX. These CREDIT REPORTING AGENCIES HAVE GOT TO STOP THIS. I have over the years allowed this non-sense to continue and I have got to stop letting this crime go un noticed by an Agency that can assist me in doing the right thing. This going back and forth talking to these CREDIT REPORTING AGENCIES, allowing them to run me around in circles has got to CEASE AND DESIST. I did not give my permission for you to allow the entire XXXX to view and delve into my private affairs. It is my information I am the PRINCIPAL and I must put a STOP to the aiding and abetting, DEFAMATION, COMPLICIT, nature of my once being quiet about situations. These CORPORATIONS have got to be HELD ACCOUNTABLE for their negative connotations of Consumers Private Right of Action. I am going all the way, and if these CREDIT REPORTING AGENCIES do not do what I ask then, I will take it to the next level. For more than XXXX DECADES EXPERIAN has sent back Credit Reports Stating that this is a FRIVOULOUS claim and junk. But you will learn who the real money is and who has the real power this year. I am sick and tired of trying to be the nice XXXX, and allow this XXXX foolishness to continue. I have asked for the removal of this negative, erroneous, inaccurate, information and if not we will see what happens next. You are a service provider and that is it. I did not give you permission to bash me the CONSUMER pursuant to XXXX ( XXXX ). I have allowed you to have my information if I take it out of the loop, you will see what will happen next. If it were n't for the CONSUMER where would YOUR CORPORATION BE? Now you want me to send some more information to you. I do not have to provide you with anything else you have had enough of my information to fumble with. This is not Slavery pursuant to the XXXX XXXX XXXX XXXX. Article XXXX especially talks about the protection of women do not tread on my property. This XXXX is my property and it will be defended by any means necessary. They are sending me a report saying they are not going to re investigate at this time. I need to see what these so called Credit Grantors have sent to EXPERIAN, you ca n't just put random information into my Credit Report without sharing it with me and I do not have to add any kind of statement to my XXXX I did n't apply for anything from these people. I have asked that you stop reporting XXXX XXXX and you just do n't get it. You need to get on your job and validate and verify as I have asked and send me the correct results if not delete. You are just getting paid to put this erroneous information on the Consumers Report.
For about the 8th time, Bank of America has purchased flood insurance on my home when I aleady have insurance. This has been going on for 10 years and it 's taking a toll on my life. Once they do it the harassment goes on and on and they do everything in their power to make it difficult and refuse to refund the money. My agent faxed the documents as instructed on XX/XX/XXXX to a special fax number I was give over the phone directly to the person who was going to make sure this was taken care of. Then today I get the notice that they have purchased the insurance again. The mortgage is in an estate and now they are claiming I do n't have it insured properly even thought it 's been the same for 10 years. I have spoken to 10 different people at B of A and they all have a different story as to what 's right and what 's wrong. It truly is just harassment. I had to file a complaint with the Dept of Justice about 5 years ago for them to acknowledge that I did already have the insurance and that they purchased it from their own insurance company XXXX for XXXX what my insurance cost. They are at it again and I ca n't take it. The XXXX is literally taking a toll on me. They have to be stopped.
I have previously tried corrrecting the issue with the company XXXX XXXX XXXX XXXX XXXX- however they only show to have XXXX   out the balance not clear it. I have tried to dispute the info with TransUnion and they have yet to return with info.
I have several different loans with XXXXnavient to pay back. And showed a record of paying on time for the past 6 years. However, I started my XXXX ( went back to school after having worked ) at a XXXX in XXXX, the XXXX of XXXX, XXXX. The school is not on their list of foreign schools that let me be eligible for not having interest rate accumulation while I pursue my studies. I have asked several different representatives what to do to help get the school on the list, provided documents of proof of student status, and asked how to ensure that I do n't have accrued student interest on my loans, but I only received the option to declare that as I do not have a salary, I should go on the income-driven programme, therefore being eligible for XXXX $ monthly payment. The solution does not give me access to student-based deferment plans, and overburdens me during a period that I have returned to continue my studies. My repayment continues to grow while the fact that I 'm a student falsely makes it looks like I am unemployed, and am not eligible to claim my truthful student status. 

I feel that this is discriminatory to students who do not continue their study in the US, but have attained US loans and placed undue burden on my financial status. If there is a way to help place my university on the eligibility list, or frankly, if there is a way to expand this list to include all recognized/certified universities, than some of my crushing debt and burden would be lifted.
I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX, XXXX, XXXX - XXXX, XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.