WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing in regards to my mortgage company ( Loan Depot ) failing to pay my taxes for my property and a tax lien was placed on all XXXX of my credit reports due to their negligence. I escrow my taxes per requirement of my mortgage and Loan Depot in return is required to pay my taxes for me. I only knew of my taxes not being paid because I tried to take additional credit out for a credit card and was denied due to a tax lien being placed on my credit report. I have contacted the loan depot a number of times ( via : phone and email ). They have not helped me what so ever. I have tried disputing this through the credit reporting agencies and they have denied my claims because loan depot has not contacted them to state this was at their fault and not mine. I have provided everyone any and all information to prove this was not my fault but still I am the one who is effected by their lack of responsibility. I have spent HOURS trying to fix this problem and I do n't know what else to do. My credit has been trashed because of this. I need this removed from my credit report immediately and loan depot has not made any attempt to work with any of the credit reporting agencies to fix this problem.
My Great Lakes, servicing my private student loan for XXXX student loans, is holding on to my Student loan repayment for interest while they send me on a wild goose chase to provide proof of the checks that were sent. I qualified for a military Student Loan Repayment Program ( SLRP ) in XXXX. The SLRP required my lender/loan servicer ( Great Lakes ) to send out a form with my account number, verifying the amount I owed. After several hours on the phone in XXXX and XXXX XXXX, I found out that Great Lakes sent out the form with a wrong account number ( form is attached signed by a Great Lakes Research Specialist ). They have received checks for just over {$14000.00} at the correct PO Box address since at least XXXX XXXX, but now claim that since the account number was wrong on the checks, they can not apply any payments to my account and need me to provide copies of the checks sent to them in order to find the said checks. The only proof I have that money has been paid is the XXXX I received for the payment. Since the military is such a large bureaucracy it is taking a long time for them to provide copies of the checks. Meanwhile, Great Lakes continues to hold {$14000.00}, which I imagine has been cashed into an interest bearing account, while waiting for me to provide proof they cashed the checks. So that when I do provide copies of the checks, they will apply it to my loans. I should not be sent looking for checks after they provided the wrong account number.
Hello. This is in regards to XXXX XXXX XXXX charges from Citibank that were charged on my card every single month since the year XX/XX/XXXX without my permission. I never enrolled in this program and did not authorize these charges. They have been robbing me every single month from XXXX. My request for a refund has been denied by their Executive Response Unit member by the name of XXXX XXXX. They are claiming that I enrolled in this program during a telephone call back in XX/XX/XXXX which absolutely false. I contacted XXXX XXXX several times to request proof of this telephone call of my enrollment, leaving him several messages ... .still to this day did not receive a callback from Citibank XXXX They are refusing to refund my money and will not cooperate in any way. Please help!
I rented a house with 3 other individuals from XXXX XXXX XXXX in XXXX, CA in the year XXXX, 2 of the roomates left before the lease was up so I was forced to leave because I could not pay the rent alone with the 1 roomate who was left. I made several attempts to contact property management to explain what happened and return the keys. We ended up going to court with the company after they " evicted '' us, although neither of us were no longer living at the property, we explained what happened to the judge he told the property manager to go to the house and make sure the house was not damaged. We returned to court a second time, the property manager reported the house was in good condition and he dropped the law suit without prejudice. Months later I am being charged for over {$10000.00} in damages to the home. I tried resolving the problem with the original company and they claim to not have my file and neither do their corporate office. I then went straight to XXXX and sent my supporting court documents of the results of the case and they were able to remove the collection. I attempted to also dispute with XXXX but they are claiming they can not do anything, that I need to have the company remove it from my credit report, even though i explained to XXXX that I have already made numerous attempts to do so with no success. I am at a loss of what options i have left to remove this from my credit. Thank you for your time.
We transferred payment in full on our card, the bank received it and posted it but did not credit it for 7 days. This despite the fact that the funds came from an account at the same financial institution. Meanwhile, our card was declined and we incurred late fees as a result -- again from the same financial institution! Discussions with multiple customer service reps involving hours of phone calls over a one week period led to no answers. A promised call from a " manager '' never occurred.
I noticed on my credit report that it shows I have applied for credit accounts and cards. I have not applied for any credit in more than ten years. I have not authorized anyone to view my credit report.
XXXX XXXX is currently being reported by Equifax on my credit report. I filed a dispute with all 3 bureaus and sent them a copy of my FTC identity theft report along with the explanation of the fraud account. The account was quickly remove by XXXX and XXXX   but Equifax still continues to report it. The FCRA holds each bureau liable reporting 100 % accurate information. This account is not accurate nor can it be considered valid if it's a result of fraud. Please help me resolve this matter once and for all. I would not want anyone to have to endure such aggravation after dealing with such a tragedy as identity theft.
I opened an account at Citi based on a reward offered. The reward was never given so I closed the account. They then charged me a monthly fee after the account was closed.I called and resolved it and confirmed again that the account was closed. I then received a letter in the mail stating that the account was negative ( as a result of a fee ). I called again and they stated that the account would be closed, however the fee may have go to collections.
As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$1000.00} to XXXX for XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$1000.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.
I initiated a short sale earlier this year. We received an offer back in XXXX and have been waiting for approval on the short sale ever since. The negotiator is now requesting a listing extension through XXXX. It has been months with no resolution. 
Wells is delaying the short sale to allow them to collect more fees. In additon, in XXXX, the property preservation company stole my stove from the property they secured. I called Wells and was promised follow up in a few days. It has been over a month with no follow up. 
I also sent an email to the XXXX XXXX XXXX XXXX on XXXX and never heard back. Today I called in and was given an email address of XXXXXXXXXXXX and advised he was Sales Advisor Consultant. I ca n't even get someone in management to speak with me.
RIDICULOUS I CANT BE HAVIN PEOPLE CALLIN ME AND TELLING THINGS THAT DO NOT EVEN BELONG TO ME. AND ON TOP OF EVERYTHING THEY REPORTING ON MY CREDIT. SO I SENT A NOTICE SAYING TO STOP. THEY STILL DOIN IT
I have disputed the validity of a XXXX XXXX XXXX account on my credit Reports. I sent a dispute directly to XXXX XXXX XXXX in XX/XX/XXXX and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to XXXX and Experian in XX/XX/XXXX, and XXXX in XX/XX/XXXX.  All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.
On Sunday XX/XX/2019, an unknown person who did not identify themselves rang the doorbell at our home. After repeated ringing, this unknown person suddenly started loudly pounding on our front door for a period of two minutes. This action startled my wife as she thought our home was being broken into. When she opened the door, she was told to give me a summons for the Superior Court of California , County of XXXX. The plaintiff is XXXX XXXX with legal representation by Zwicker & Associates, XXXX ( XXXX XXXX XXXX CA # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX CA # XXXX ), phone number XXXX. The amount of the outstanding debt was {$14000.00}. 

A settlement with XXXX XXXX/Zwicker & Associates was reached in XX/XX/2019 between Zwicker and XXXX XXXX XXXX with a payment being sent by my power of attorney XXXX XXXX XXXX on XX/XX/2019 in the amount of {$10000.00}. 

Given it is XX/XX/2019 and the settlement was reached almost 25 days ago, Zwicker & Associates had a professional and legal responsibility to inform the Superior Court of California to withdraw the summons in a reasonable and timely fashion. Due to their lack of informing the Court, my wife was put in a stressful and dangerous situation that has caused her emotional distress.
I have a car loan with Santander Consumer USA, and recently realized that they have been applying over payments to fees and charges, instead of principal as I have requested. I specifically called in and asked them to apply the payments to principal and was told different things by different reps. Most reps told me that the system did n't allow it, and if I wanted to make a principal specific payment, I had to do it separately. My contract only states how normal monthly payments are applied, and does n't state how overages are applied, so it does n't even address this is the contract. I have spoken with several departments, and just got off the phone with a rep in the " office of the president '' ( last escalation department? ) and was still unable to get it resolved. I would like the accounting department to go back and reapply my overage payments to principal, not interest, from the beginning of the loan, and fix their system so it provides the capability to do that in the future for all of their customers. 
Thank you, XXXX
Hello - Please assist in forwarding this dispute to Executive Office of Chase and Legal Department for another review. I would like to dispute the decision for my dispute claim denial. Per my previous complaint, I have also sent my charge dispute directly to XXXX multiple times and also have filed a complaint via XXXX, but XXXX still could not provide me the breakdown of the fees they charged for cancellation of the sale. Per Merchant 's policy ( clearly stated on their website ), it states : " If you 're unable to deliver tickets on time and as promised, your payment method may be charged an amount generally equal to XXXX % of your ticket cost. ". The ticket price was {$800.00}, so XXXX % should be {$160.00}, instead of the {$480.00} that they charged ( without any explanation or breakdown of the difference )! Please see attached for my initial charge dispute with XXXX. I 've also provided them with proof that the ticket was available, but XXXX refused the ticket. Hence, XXXX forced me to cancel the sale because they did not accept the ticket. Furthermore, XXXX still could not provide me with a specific breakdown of this 'difference ' from {$800.00} to {$480.00}. They agreed to provide courtesy refund, but only {$120.00}, instead of the {$480.00} that they charged directly to my Chase account. So Stub Hub still could not provide the breakdown on how the {$360.00} was determined. 
Additionally, the temporary credit {$480.00} has been removed from my Chase account, so I just need some assistance in fighting this illegal charge with the Merchant. Especially since it was charged by XXXX directly to my Chase checking account. So this dispute should serve as protection as Chase debit/credit customer, and also Chase 's protection to prevent anymore illegal charges from this merchant XXXX. 
Please escalate this matter for further review and more research. Greatly appreciate your assistance and look forward to a better resolution. Thank you.
I am a single mother of a XXXX child. I am currently unemployed as my child requires full time care. In XXXX, I attempted to get a modification of my mortgage through Seterus-my loan servicer. I filled out the paperwork, sent it in, and I received a packet in the mail that said that yes, I had been approved for a trial modification! It said to pay an amount for XXXX, XXXX, and XXXX XXXX for the trial period. ( I did that. ) Then I got another modification approval packet in the mail a day or so later that was exactly the same except it said to pay a higher amount. I was confused so I called them. I could not get through to a live person, so I paid amount that I got in the first packet on the first of XXXX as instructed and also on XXXX XXXX. Then I got a notice that I paid the wrong amount-and therefore my modification was disqualified. I called Seterus and spoke to someone who said that the amount I paid was the wrong amount and that I no longer qualified for the modification. I asked for something in writing, since I never rec 'd anything that said the first packet was a mistake, and she said that I could n't get that. I called later the same day to clarify what the first person had told me, and this next person told me that I should be fine with the payments that I made, that she would put an inquiry in for me and let me know something in a week. In a week I did n't hear back so, I contacted the mortgage help line through XXXX and was directed to XXXX. I explained the situation to them and together we called Seterus-a XXXX conference call and XXXX recorded the conversation with their permission. We spoke to yet another agent at Seterus. He told us that while the amount I paid may have been a mistake on the part of Seterus, I still qualified for that amount, and there was no problem with me paying it and that all was fine with my modification, that Seterus will honor it. He verified that I had paid on time for XXXX and XXXX, and that I should just continue to pay that amount every month until I got the final modification paperwork. To pay the XXXX payment, and even a XXXX payment if I had n't heard anything since they were backed up-he also said to ignore any mail I got saying i was late as it would take a while to for the system to catch up. 
I have the names and dates of everyone I spoke to at Seterus. 
So I paid XXXX payment and after my XXXX XXXX payment, I got civil foreclosure notice hand delivered to me from XXXX by XXXX on XXXX XXXX. I do n't understand how I can get such conflicting information from the same company about the amount of my modification. And also, the second packet contained a payment that was more than my monthly income. Why they would modify the mortgage to more than my monthly income? I can pay the first amount if they would modify to that amount. 
After that, I contacted XXXX again and was directed to XXXX who is now working with me to resolve this. Thank you.
On XX/XX/XXXX I sent a debt validation letter to Conserve. On XX/XX/XXXX Conserve received the letter as evidenced by Certified Mail Returned Receipt. Conserve placed a negative entry prematurely in the amount of {$810.00} on my credit reports and as of today, XX/XX/XXXX have not yet responded to the letter/request for debt validation. The negative entry was later removed from my XXXX  credit file without receiving correspondence from Conserve as evidenced by attached personal credit reports on XX/XX/XXXX while on XX/XX/XXXX, Conserve was reporting the negative entry to all 3 credit reporting agencies-evidenced by attached personal credit reports. On XX/XX/XXXX I received an alert from XXXX that my credit score decreased due to Conserve adding a 2nd negative entry to my XXXX credit file ( with a different account number ) in the same amount of {$810.00}. Previously, Conserve also had the incorrect account name reporting for the negative entry as evidenced by attached credit report XX/XX/XXXX prior to its removal from my XXXX  file. On today, XX/XX/XXXX I received notification that Conserve added the account back onto my XXXX  credit file in the amount of {$810.00} after previously removing it-evidenced by attached personal credit report from XX/XX/XXXX. Conserve is in violation of the Fair Debt Collection Practices Act because : they ( Conserve ) DID NOT provide debt validation within 30 days from receipt of the request ( Conserve received and signed for the letter on XX/XX/XXXX ) ; they ( Conserve ) removed the account from my credit file and have recently re-reported the account making it appear as new ; they ( Conserve ) also added a new 2nd account in the same amount ( {$810.00} ) with a different account number after failing to validate the debt previously and I am also reporting the violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau due to my credit standing/scores being impacted by their ( Conserve ) noncompliance with FDCPA regulations.
After the Equifax security breech, I checked the site to see if I had been affected. I had been affected by the incident. I tried several times by phone and the online site to place a security freeze on my credit information. The message I got was to mail my information and request that Equifax place a freeze as they were unable to process my request by either the automated phone line or the online form. I did not feel comfortable sending my information by mail to the company that compromised my information in the first place. 
The one live person that I reached by phone told me that she did not know the number for me to call to directly freeze my credit with live help. She said she could only give me the number to signup for their credit monitoring service ( which I would never subscribe to ). 
Should it be this difficult to sign up for a credit freeze? 
I want Equifax to freeze my credit information without having to submit additional personal information. 
They are making it very difficult to give me the peace of mind by freezing my credit. This should be my right.
lost wallet years ago and i am a product of my negligence of leaving my wallet in a supermarket to only come back and it be gone ever since I haven't had any breaks years of repair is needed to stop these fraud accounts from being resold to new collection agencies act # XXXX
On XXXX separate occurrences during the winter of XXXX of XXXX I was told many times that I was not able to remove my father as a co signer. I was also told that I was not able to have my interest rate of XXXX percent refinanced. I was told that there was nothing I can do and that this is something I would have to deal with. They never explained ways that I can try and beat the debt only ways to prolong paying. Currently I 'm not able to get above the principle of the loan and currently see no end in site to paying this off.
A man knocked on my door and told me his name and told me that the home security company if have was merging with his company and they were going to up grade my system as a part of the merging of company 's. As they were changing the key pads, my security company called me, I asked if they were merging with this other company. They told me no and I was still under contract with them. I told the guy who was trying to replace my key pad, to put every thing back the way it was. He did that and left. A couple of months go by and I get this bill from Dynamic Recovery Solutions stating that I owe then, if I pay now {$230.00}. Dynamic told me that, the Security company, sold them my contract, and that, they were to collect my dept. Dynamic wanted me to go to my bank and for my bank to, send them a e-check. Which I did n't do The security System company wanted {$690.00} from me and that was n't going to happen.
Im filing this due to the fact I've tried several times to reach out to understand why I have paid over XXXX in fees ... One recently call the agent stated, '' The System don't lie '' and I felt like that was slap in my face. I love my institution but I feel as if they don't listen to the customer so therefore I'm reaching out top see if i can get any help concerning the fee issues. I also told the agent i wasn't fully aware of the policy concerning the fees but she failed to cover all of my concerns due to time ... I have banked with NFCU for a year now and I think over XXXX of fees is ridiculous. Help Me
I have been getting more than 7 calls a day now going into texting me about payment. I make a payment they add more interest. I explained I have some of cash and asked to settle. All I get is more charges and constant calls that never end.
I continuously have to call all XXXX credit bureaus to get dispute remark removed from this account. I DO NOT want this account disputed. I am trying to buy a house and can not get approved because Hunter Warfield continues to add dispute remarks to my report. I want the remarks removed. I repeat I DO NOT WANT THIS ACCOUNT DISPUTED. *It forced me to select communication tactics and frequent or repeated calls. This is not an issue they are in compliance when it comes to communication. I just want the dispute remarks removed.
I over paid this credit card by {$350.00} when paying it off and they tell me after I contacted them that I can expect a refund check within 60 -90 days. This is usury. If I am even one day late in payment I get hit with interest and late payment fees yet they get to keep my money for up to 90 days! This is unacceptable.
Navient is just poor, all around. Poor customer service, poor loan servicing, poor plan options. I have submitted paperwork for a lower payment on two different occasions, yet they tell me they did n't receive it, or they tell me it 's processing. I can not afford the payment they are STICKING me with and they are not giving me any other options. I have submitted bank statements and all required documentation.
Experian has a trade that does not belong to me with 'unknown ' status. This trade is not reported by any of the other bureaus ( which I was able to access via XXXX ). They have made it literally impossible for me to contact them to ask for resolution through any real time channel ( phone or web ) and the only option they are giving is to dispute via mail which can take up to 30 days. I am applying for a mortgage pre-approval and do n't have that much time.