WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, This is re : Loan XXXX. My account is current. Supporting files are attached to this complaint. 

I scheduled a mortgage payment for XX/XX/XXXX through Freedom Mortgage 's website for {$1000.00} which has been withdrawn from my bank account. I also scheduled through my bank an additional payment onXX/XX/XXXXfor {$160.00} to be applied to principal which was also been withdrawn from my bank account. However, it looks like these payments were misapplied & Freedom Mortgage has no good explanation for why. The mortgage payment of {$1000.00} was scheduled + {$160.00} through my bank with a note that it be applied to the principal. The total should be {$1200.00}. 

However, I saved screen shots from Freedom Mortgage that show that {$860.00} is the mortgage amount that was received ( less than the {$1000.00} that I scheduled ), but that {$160.00} was applied to principal. 

If I read their information correctly, I do not want Freedom Mortgage to miscalculate my payments or attempt to make me delinquent. So I asked them to correct this error and explain why they adjusted my payments to reflect as such, when it appears that they misapplied or redirected my scheduled payments without my authorization. 

I spoke with Freedom Mortgage three times this morning as a final attempt to resolve after, spoke to XXXX different representatives, with no satisfactory resolution -- this was a follow up to me submitting an inquiry about my account via their online automated system on Monday, XX/XX/XXXX. I was told today that a response can take up to " 30 days '' which is a problem for me naturally, since that 's when it seems that a bank will begin considering payments to be delinquent. I allowed until Wednesday, XX/XX/XXXX for a response but Freedom Mortgage has unfortunately not been very responsive to me and has caused me more difficulties and trouble than they need to. 

I am concerned that because they were so unresponsive again in this instance, I will have a recurring problem each time I try to pay my mortgage, resulting in Freedom Mortgage arbitrarily deciding where the money that I responsibly pay towards my mortgage will go as it benefits Freedom Mortgage rather than me, the consumer.
Due to the recent XXXX hack, I am placing a credit freeze through all three bureaus. However, there is a fee of {$10.00} to initiate a freeze from both TransUnion and XXXX. As this is a national consumer security issue, I think that it 's reprehensible for these companies to be extracting a fee for something that is absolutely necessary to prevent assured identity theft for millions of Americans. The CFPB needs to step in and make this process not only free, but easy to complete and navigate.
On XX/XX/2018 went onto Kohls online site to order an e gift card for my son who just moved out of state. Site said maximum amount was {$250.00} which I purchased and paid for. Received a confirmation email that purchase was received and would be delivered shortly. After 10 hours of not having it delivered to my sons email I sent a follow up email asking why this order was not completed. Received a response there was a problem and to call kohls. Once I called I found out they can not do an e card for more than {$100.00} so they cancelled order and I have to place 3 separate order. I asked why the online site has this option for more than {$100.00} if they can not deliver and was told this is a mistake.
The company promised free reloads upon initiating my account, but has suddenly started to charge {$3.00} for each reload at any participating location. I received no notice of change in fee schedule and did not agree to nor was aware of unauthorized changes to fees alleged by the company.
I have a ADP TotalPay card for my paycheck that is direct deposited every week. I used my card on XXXX/XXXX/2016 to pay {$20.00} to XXXX on my credit card bill and I had a larger balance showing that the payment was received. The payment posted within 48 hours but I tried to use my credit card on XXXX/XXXX/2016 and it was declined. I came home and pulled up transactions and it shows that the payment was returned. I called XXXX and they told me that the payment was not sent from my financial institution. I puledl up the transaction history on ADP and there is no record of this transaction at all, not even showing it was declined, let alone going through. I checked the payment history on XXXX and the payment posted on XXXX/XXXX/2016 from XXXX XXXX Bank with confirmation number of # XXXX but ADP is saying there is no transaction for this date. I was on the phone for about 3 hours trying to get it resolved and all they told me was they have to investigate it and it will take 1-5 business days to find my {$20.00}. I am extremely irate at this point ... it did n't take them 1-5 business days to not send my payment. Please help me.
I had a bank account with Huntington Bank from XXXX. I had an issue where transactions were being switched around by the bank and my deposits were being held extra days which was caused defaults and overdraft fees. There were also false internet transactions on my account. The bank was informed and did nothing about it.
I have sent letters made calls back and forth to the Dept of Ed who tells me my account is closed paid in full and should not show any negativereport to the XXXX credit reporting agencies. Dept of Ed student loan claim Imust dispute any negative information with transunion XXXX orXXXX. I have done so many times and it continues to show multipleincorrect reports of missed payments. I have asked the closed accountsbe removed which are from more than 7years ago but all I get is ais a customer remarks added to their report claiming I never missedpayments. will they ever help me and clear my record so I can buy ahouse! I have sent proof to the agencies from my student loan companythat the accounts are paid what else do they need???
On XXXX I purchased a US Bank issued XXXX gift card of {$500.00}. It failed to activate. I was instructed by the representative that I would have to fax in a copy of my receipt. XXXX An aside, fax is 15 years outdated. I do not own a fax machine, nor do I have access to XXXX. I had to settle on using an online service, which is less secure than me emailing it over my https XXXX account. ) I faxed this information in on the same day, XXXX. Today, XXXX I called fully expecting my activation to be complete after 2 business days. The rep told me it could day 10-15 business days! That 's up to 3 weeks! And I have no assurance that my paperwork was even received on their end to be processed, nor do they have a method of contacting me back that it has been activated. 
Their system needs a complete overhaul. It is n't sufficient to meet consumer expectations nor needs.
Experian is reporting the account from XXXX XXXX XXXX XXXX which is more than 8 years since last delinquincy.
On XX/XX/XXXX, I received correspondence from Diversified Consultants, Inc. ( DCI ) that I had debt in the amount {$990.00} for failing to pay XXXX. On XX/XX/XXXX I called DCI to figure out what this was about and they redirected me to XXXX. I called XXXX that same day and I was told I owed them {$990.00}. I informed them I have n't had XXXX since XX/XX/XXXX when I moved from XXXX XXXX XXXX, XXXX XXXX, NJ. My account was paid in full and disconnected when I moved. I moved in with family to XXXX XXXX XXXX and have not had services in the past two years. I was transferred to a different department who asked me if the debt could be for failure to return equipment. I told them, No because I returned it myself. They are advised me to write a dispute letter which I did ( all in the same day ) to DCI. DCI responded a couple of weeks ago with a simple letter that the debt was proven to be mine. The letter was absent of any information as to how they came up with their findings. If XXXX does n't know where the debt came from how do they?
Every month for the last XXXX years Portfolio Recovery Assoc. has ran an Account Review inquiry { s } on my XXXX  and XXXX credit report. I do n't have an account with them, and even if I did - the XXXX year negative reporting time window would have towed. For example XXXX XXXX, XXXX Portfolio ran an AR on my XXXX report. There were two ran on my XXXX report in XX/XX/XXXX. Plus the phone calls need to stop. It is like they are waiting for me to make a large purchase or something. Please help! 

Portfolio Recovery Assoc. 
XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 
1. Bankruptcy XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. Inquiries 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 XXXX XXXX XXXX/XXXX/XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
I sent this collection agency as well as the credit bureaus dispute letters regarding this account. i pointed out that i do not know what this account is and it is not mine. I also pointed out that Midland credit management was illegally adding interest and fees after the account had been charged off and sold to another company. I sent a bunch of disputes over and over some were certified and some were not. XXXX and XXXX determined that this account was not mine and they removed it but it is still on XXXX.
On XXXX/XXXX/2016 I review my credit and i showed no inquiring on my report with transunion credit reporting agency.
We have requested a loan modification twice from Caliber Home Loans within the last few months. They have denied us both times due to insufficient income. The first request we made was missing our rental income so we were advised to reapply which we did. The second application was denied for the same reason, and the appeal was also denied for the same reason, even though our income is now $ XXXX more than our debts. We initially fell behind because of a loss of income which has now been rectified. Also, our temporary modification we received from Caliber expired which increased our monthly mortgage payment from {$1800.00} to {$2400.00} per month. We are requesting for Caliber to review the attached documents again since their denial reason was incorrect. They also denied us due to their appraisal results showing that the home balance is 67 % of the appraised value of {$300000.00}. We are also disputing the appraisal amount. We recently received a letter from Caliber Home Loans stating that our loan balance is $ XXXX, but when we called in to inquire about the balance owed they were unsure how that balance was calculated. We definitely qualify for the 5 year loan modification extension and are requesting Caliber Home Loans to honor this request.
I contacted Transunion in  XXXX  to notify them that  XXXX  inquiries had been removed from my report and with in 2 weeks  later they reappeared. I contacted them numerous times ; however, the representative only kept informing me that is was an error and the inquiries should in fact be on my report. I asked them numerous times why I was not notified on them being removed and being placed back on and she simply kept informing me that they did not have to notify me about my report.   XXXX  I am exhausted and I have spent numerous hours trying to get this resolved ; however, Transunion has not been willing to cooperate.
I have disputed several times with XXXX and United Revenue Corporation. This account does not belong to me.
I first called before my loans were due to be paid. I was seeking information about my repayment options knowing that my payment would likely be more than I could afford. I was told the only way to discuss repayment options is to let my loans be late on the first payment. I verified verbally what the representative was saying to ensure I was not misunderstanding. I then called back after my payment was late and was told that the only option I would have is forbearance. When I asked how that worked I was told I would pay {$150.00} and then I would be in forbearance for 12 months which would allow me time to save for my payments once they started again. I called back to make the {$150.00} payment in XXXX and was told I needed to not pay the loan that my co-signer is on with me so that it could be included in the forbearance. I asked if I did n't pay the loan with my co-signer on it if they would then be contacting him. They advised they would not. Th4ey contacted him anyways. I then called today to do forbearance and was told that it will only bring my account currant and that I am expected to make my full payment amount in XXXX. The only other option I was provided was that I could extend my loan from 15 to 30 years and pay {$200.00} less a month. My current payment amount for my private loans is over {$1300.00} a month so {$200.00} less was n't going to help much and it would extend my loan to two times as long and they would get two times the interest. Every time I call I get a different answer and no one can explain why.
This is my 2nd attempt to get this rectified with your organization in regards to these   XXXX   accounts reporting on my credit file. I am making complaints against  XXXX , Experian and "   XXXX   XXXX   '' for reporting an unverified debt. I have no idea why these   XXXX   accounts are on my credit file and where they originated from. I  continue to receive auto-responses that this has been " verified '' and at no time have I ever received any agreement or contract with my signature on it verifying that I ever agreed to pay or owe this debt! What this means is that anyone can state that any consumer owes them money and it 's taken at face value with no consequence or proof! This means that I can send a collection agency a claim that whoever is reading this owes me {$2000.00} and the bureaus will believe it when that company says that it has been verified and that 's the end of the story. It does n't work like that. Congress states that the only legal proof is firsthand knowledge which means having the actual documentation in their hands. If that were true, there would n't be such as issue in regards to validating this. In addition, I 've had to dispute with this company at   XXXX     separate addresses because the address listed on my credit file is not valid and was returned. I have only received  XXXX  letter from   XXXX   XXXX   and it was from a different address than what is listed on the report. Therefore, I disputed with them at that address via certified mail ( each time ) and at no time have I ever received any other correspondence. Because they are not replying to me at all, this means that I am right and do not in fact owe any money to them. If I did, they would immediately send me the proof of this and back it up! The bureaus have disregarded my request for method of verification, procedures used to verify this debt and have willfully told me that this has not been disputed for the past 3 months even though I have faxed it to them as well as sent in the mail. I can also see on experian.com and   XXXX   that the status of this account continues to change from in dispute to not, so I do know that my disputes are being received.
XXXX  is reporting my XXXX account as an adverse account this information is wrong. It has been confirmed with XXXX that the account is current and in a satisfactory standing with no late payments. XXXX has fixed this account after there investigation and it is reporting correctly as an account that is satisfactory not adverse. I have disputed this with XXXX but they have still not corrected it. This wrong information is affecting my credit score.
Under the new law, which went onto effect XXXX XXXX, 2017, any public record data must include name and address as well as SSN and DOB in order for it to appear on my credit file. As seen from my attachments, the credit bureaus have not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit report
I am a short-term XXXX during XX/XX/2012, I have been in the store of Banana Republic at XXXX to buy goods in the second half of XX/XX/2012, I was paid the bills by XXXX XXXX XXXX credit card, The clerk advised to apply for a discount card, This will be more cheaper, But I do n't know this is a credit card, but also use this card to pay the part of the clothes of the bill. I have come back to XXXX for nearly three years. I rented a house in XXXX, followed by a XXXX rental. Unexpected, We met at an XXXX in XXXX, He told me, A letter of credit card payment was often sent to this address. I do n't know how to solve this matter now. 
I would like to declare the following : ( 1 ) I do n't have subjective intent owe the bank money, ( 2 ) I love America, I had the best time of my life in America, ( 3 ) I did n't know it was a credit card, I thought it was a discount card ( 4 ) I 've never used this card except to pay for the clothes in the store ( Because I paied with XXXX XXXX XXXX credit Card, I did not know that I might use Banana Republic credit card pay the part of the bills ), ( 5 ) I want to repay the balance of the clothes shop, But I ca n't afford an expensive default. 
( 6 ) I do n't have this credit card, and I do n't know the number of the card ( 7 ) After know this matter, I contacted with Banana Republic, they tell me to connect with the bank, but i do not know XXXX, and i do not know the card number. 
( 8 ) please help me, I do n't want to be a debtor. 
please Contact with me Email : XXXXXXXXXXXX and my passport number XXXX and SSN : XXXX
Synchrony Bank ( JC PENNEY ) just called me and some foreign guy says that they have turned me over to the Credit bureaus for being 38 days past due. I AM NOT 38 days past due. I made my XXXX payment and my XXXX payment was not made due to a loss of income. I am only 14 days past due but this XXXX said that I have been turned over as 38 Days past due. I advised that he can not turn me over when i am not 30 days past due. This guy now has me concerned that JC Penney is trying to ruin my credit by reporting FALSE information to the credit bureaus. They can only report me for being 30 days past due from the date of 30 days past due from the due date of my payment. This company is a sham if they have done this.
I bank at Wells Fargo and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XX/XX/2018 were still there reporting. To add insult to injury, two more key  derogatory marks were added for XX/XX/XXXX and XX/XX/2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting Wells Fargo but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say wells Fargo is verifying the account. I just want to buy my home.
I recieved an offer from Ocwen Loan servicing to reduce my mortgage payments by {$500.00} a month if I would particpate in a 3 month trial period. I did so and made payments of {$1100.00} on XX/XX/XXXX and again {$1100.00} on XX/XX/XXXX and a final payment of {$1100.00} on XX/XX/XXXX. At the end of the 3 months I was to receive paperwork that would restructure my agreement with Ocwen Loan servicing however, no agreement was received. I had been scammed out of {$3400.00}.
I called Ocwen Loan Servicing and related the problem to them and sent the information about the transaction at which time I was told there would be a fraud investigation. When I asked if I should be making my regular mortgage payments I was told to wait until the investigation was completed.
I got a phone call from a woman from XXXX XXXX XXXX saying i took out a payday loan from the cash store. They told me they were an installment loan place. the lady told me i was going to be charged with a misdemeanor and go to jail as well get sued. she got very nasty with me yelling at me and reading stuff off of my credit report. she called me at my place of business i asked her not to and she said they could do whatever they want. I asked her to mail me documentation on her allegations and she said no she would just have my county proceed with charging me. I know my rights but for someone who doesnt know this could have been very scary. the amount she said i owe is more than XXXX of what i borrowed. i did make payments towards it when i got it as well. I hope they are investigated and learn that you can not talk to consumers in that way. threatening is no way to collect a debt, i worked collections for many years. i asked to speak to a supervisor and the rep proceeded to tell me she was the owner of the company.
Paid off mortgage with SPS Select Portfolio, Account number XXXX. Loan was paid and closed on property, XXXX XXXX, XXXX, IA XXXX, loan paid off as of XX/XX/2016. Escrow funds have not been returned. We have not been able to get anywhere with calling their customer service. We since then, have purchased another home, and will be moving again and just want our funds back that they owe us.
Seterus failed to pay my property taxes from my escrow account. My property went to auction.
My credit card last month stopped earning it 's promised XXXX earning bonus on restaurants. I filed a complaint with Citi about it and was told 'a notice came telling you it was changing '. The fact is, that is not true. I was never notified of any changes to my card. In fact, I just looked online And there are no notices on any statements or records of other documents sent to me.
My husband had medical debts that the collection agency had put in my name even though I was not on the medical bill. My husbands only income was social security and I was working so that is why they put his debt under my name. I do not think this was fair. My credit report is affected and I have repeatedly asked them to take my husband 's bills off of my account and they have not done so. He has since passed away and they still have his debt on my account. I need help. I do not know where to turn.