WillisBack/dataset-financial-user-claim huggingface dataset:
UNFAIR, DECEPTIVE OR ABUSIVE ACTS OR PRACTICES :  First  of all, I 've refinanced with First Direct Lending twice. I thought if I needed to refinance again, I would go elsewhere. I 've received several phone calls from various people with First Direct Lending and none with the " High Pressure Used Car Salesman '' attitude. Until I spoke with  XXXX   XXXX . This was by far, the worst experience I 've ever had,  XXXX   XXXX , Sales Manager, aka " High Pressure Used Car Salesman ''. The e-mail and voice mail message he left for me on  XXXX   XXXX ,   XXXX  , really made it sound like something was wrong with my current loan. It has been 7 months since the last closing and I thought whatever was wrong, why am I just now being notified. So, I called  XXXX  back, same evening,  XXXX   XXXX ,  XXXX  pst, to inquire further as to what was wrong with my loan and was informed of the following : " there is something wrong with the FHA  XXXX  No and FH A is refus ing to insure my current mortgage ''.  XXXX  was n't able to tell me what was wrong, but, according to  XXXX , " I could fix this by refinancing immediately ''. I informed  XXXX  that this was something I would need to think about and would get back to him. His comment was, " I need an answer now! '' Needless to say, I was the persisten t one a nd informed  XXXX  that I would phone back when I made my decision.     With the helpless feeling of what to do, I remembered that I was paying PMI on my mortgage. Where was those funds going? I called the servicer on my loan that same evening at  XXXX  pst and was assured there was nothing wrong with the   FHA Case No. and FHA was accepting the payments. Nothing had been rejected.
While having a conversation with an account officer   on  XXXX   XXXX ,  ( different institution ) it was suggested that I google the NMLS #. What I 'm seeing is he is active in 5 states out of 17. Not sure what 's going on with that.      A little bit about me : I work for a ba nk, Construction Lending. Wh ile I do n't have the extensive knowledge of putting a mortgage together, I do know when to question something that does n't make sense. CFPB needs to send  XXXX   XXXX  the strong message that telling customer 's lies falls under the " UNFAIR, DECEPTIVE, ABUSIVE ACTS OR PRACTICES ''. This causes harm! What if I had a medical condition? What would hearing this have done to me? A dditionally, we are just coming out of the housing crisis. We do n't need Account Officer 's ly ing to customer 's so the foreclosure crisis starts up again!
1. I settled a loan from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to remove account. I sent copy of letter of settlement from XXXX XXXX XXXX XXXX to Transunion, XXXX and XXXX. However, account was not removed or updated. 
2. All credit reporting companies are reporting an account from XXXX. I have never dealt with this company. I paid off XXXX XXXX XXXX and I have no balance. However, Investment retrievers have kept reporting negative information on my credit file. 
This is inaccurate information has adversely affected my credit score. The credit reporting companies are not following the federal Fair Credit Reporting Act ( FCRA ) which requires them to report accurate information.
Transunion has credit inquires that I did not authorize on my credit report XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
I have Paypal here to service my XXXX XXXX.    XXXX
I have used you about 7 years and all of sudden had 4 chargebacks in one month.  The first $XXXX  I didnt even recognioze the customer but they said maybe someone paid with a stolen card or their grandmothers card.  I called you 2 days and each time wait hours on phone.  I asked would they ask the dispute if they had card stolen and they said they would but they didnt.  They were not going to help so I just paid the $XXXX and they waved the $XXXX  chargeback fee.

I then got 2 chatgbacks from the same customer  XXXX XXXX on different days and I called him and he said he didnt dispute anything so he came and paid me but I had to pay 2 chargback fees.;  Please read the following email from XXXX.  He nor his credit card issujer have no idea why the money he paid was sent back   So Paypal is Gyping me out of fees.  The customer sedrvise is antagonistic n and I have probably lost 2 customers.;     this is XXXX email

Re: Case update: Case XXXX XXXX	   
Tue, XX/XX/XXXX XXXX XXXX XXXX XXXX (XXXX)
To:you Details
XXXX, I called my XXXX XXXX customer service and asked them for any disputed charges from PayPal. They said that there were 2, $XXXX charges in XX/XX/XXXX from Paypal, XX/XX/XXXX and XX/XX/XXXX. But for some reason Paypal credited the payments back to the account on XX/XX/XXXX, but they didn't have a reason why. So, the charges did initially go through, according to my XXXX XXXX customer service. They wanted me to call Paypal and find out why the payments were credited back to the account. I did try calling Paypal, but they were not too cooperative since it was not my account. Please let me know what you find out.

XXXX XXXX 
XXXX 


-----Original Message-----
From: XXXX 
To: XXXX 
Sent: Sat, XX/XX/XXXX XXXX XXXX
Subject: Re: Case update: Case XXXX XXXX

Or I thinnk you can call Paypal resolution center and give them the case numbers and they will tell you what to do.   I can not close the case from my end becausae as far as they are concerned it was opened from your end  so they resolved the case by taking out the funds (and thats ok because you paid me but they also have $XXXX charge back fee for each which I paid......... here are the 2 cases again
Case ID: XXXX
Case ID: XXXX


XXXX XXXX   XXXX   XXXX
I deposit a check for the amount of {XXXX} to my Bank of America checking account on XXXX XXXX. I was told that I could have {XXXX} available immediately, {XXXX} available on XXXX XXXX and the full amount available on XXXX XXXX. However, today is already XXXX XXXX and I still have nothing available to me. The check is still on hold and no any notification has ever sent to me about why the check is still on hold and when will the money be available to me.
Our auto loan payments with US Bank were behind ( generally not XXXX 30 days ) for several months causing some late fees, which we are not disputing. However, come XX/XX/XXXX we were able to make full payments of outstanding balances, fees, etc. We received a statement from the bank dated XX/XX/2016, with a {$0.00} balance due for the following month -- all late fees, previous balances, upcoming payments, etc were satisfied. 

In XX/XX/XXXX, we received a new statement. Despite our P/I payments totaling only approximately {$440.00}, it appeared the bank was trying to double-collect on past fees, requesting an additional ( approximately ) {$120.00} in addition to our loan payment. 

Viewing our statement history over the last 12 months, all fees were already included in payments due on previous statements, and were satisfied in full. Upon contacting US Bank, they claimed there was a posting error, and that they would fix the issue. In the mean time, we continued to receive collection calls and additional late fees for not paying the error. Following XXXX calls, all of which resulted in a promise to investigate and call back, no calls were returned. In addition, collections continues to call, noting that they are unable to see details from the loan servicing department. 

It has now been over a month, and the bank continues to not answer questions about the fees, and insists they should be paid despite not being able to explain their math, beyond what they say was a " posting error ''. We are seeking assistance in the resolution of this matter. The principal and interest payments are still being made, but the extra fees ( and late fees on said erroneous fees for not paying ) we are stating are incorrect. We have not received any clear explanation as to why this exist, and do not see these as valid. 

We will attach statements showing payment of the balances.
A security leak affecting Equifax rendered my financial information potentially vulnerable to use by criminals who may steal my identity. There is nothing I can do to ensure that my social security number is n't used by someone years from now to steal my identity.
Equifax have removed my positive accounts. I only disputed XXXX XXXX and they have removed all my accounts and stated they cant add them back but they where never included in the disputed. I contact the companys itself that should be reporting and they stated that Equifax have two files for me and they can not put the items back on since they was disputed. But I never disputed the items.
i requested my equifax report XXXX initially XX/XX/XXXX. at that time i learned that a family member was using my credit fraudulently. i immediately contacted equifax via snail mail XXXX and online. i later reviewed my equifax report XX/XX/XXXX and learned that no changes where made. i emailed the company again on XXXX occasions the only answer ive received at this point is that they didnt recieve the initial complaint but the new complaint is being investigated. my complaint is, equifax is in violation of federal law each day that goes by reporting false information. the problem is they know us consumers have no legitimate recourse to insure they operate within those laws.
On XXXX XXXX, 2016 a loan was taken out in my name with XXXX XXXX and on XXXX XXXX, 2016 another loan with Avant was opened in my name that I did not open and did not authorize anyone to open either of these loans.
I fell behind on my mortgage in XXXX 2016 due to unemployment. I hired an attorney to help me submit my paperwork to Bank of America to ask for a loan modification to save my home. Bank of America confirmed they received my application in XXXX 2016. My attorney worked with them to get them all the requested documents for a complete financial package by early XXXX 2016. While I was in the review process, Bank of America mailed me an automatic Streamline Modification offer ( dated XXXX/XXXX/16 ; attached ). My attorney advised Bank of America that I was not interested in the Streamline Modification program because it has a higher payment than the HAMP program. My attorney repeatedly asked Bank of America to remove the Streamline Modification offer because I wanted to be reviewed for the HAMP modification program instead. Bank of America repeatedly told my attorney that they would review my loan for the HAMP program. Thus far they have NOT reviewed me for the HAMP program. They keep sending me letters trying to get me to accept the ( WORSE with a higher payment ) Streamline Mod offer. Now my attorney recently followed up with Bank of America and they state there is no review open any longer. Basically they cancelled my HAMP review because they are trying to force me to take the Streamline Modification offer that has a much higher payment than the HAMP program. Now the HAMP program has expired and Bank of America evaded reviewing me for the requested HAMP program. I know they had a complete file because they approved me for a modification on my 2nd mortgage. I do no think it was right for Bank of America to evade reviewing me for HAMP solely because their system had already approved me for a worse higher payment ( Streamline Mod ). My application was in before HAMP expired and Bank of American should not be able to evade reviewing me solely becuase they want me to take a worse program ( Streamline Mod ).
After trying in vain by telephone and on-line to prevail upon Experian to implement a security freeze, on XXXX XXXX XXXX my wife and I sent separate letters ( certified mail ) to Experian requesting the freeze. Each letter contained all of the information and documentation Experian 's web site says is required. I received a response dated XXXX XXXX XXXX XXXX Experian Report XXXX. XXXX ), refusing my request because I had n't paid a fee, notwithstanding that our letters and documentation clearly showed that both my wife and I are in our XXXX and exempt from the fees. Experian failed to respond to my wife 's letter. On XXXX XXXX XXXX, my wife and I sent a letter ( certified mail ) to Experian, reiterating our requests and referring them to the information contained in our earlier letters. On XXXX XXXX XXXX, Experian responded to my wife and me individually ( Exp. XXXX XXXX. XXXX and XXXX, respectively ) saying that they were unable to honor our requests because we failed to provide sufficient information for them to verify our identity. I should note that we had no trouble getting XXXX and XXXX to implement the requested freezes. I am astounded at the incompetence demonstrated by Experian and hope CFPB can help us.
Rushmore Loan Management Services began servicing my loan in XX/XX/2017. Since, this company is charging me over {$6000.00} ... for what they are calling " Corporate Fees ''!?? Also, {$1900.00} in " bogus '' late fees. They refused to accept my mortgage payments after alleging that my mortgage loan was in arrears two months.

I've unsuccessfully tried to correct my account for one year now and all I get is the run around. 

This company should be investigated by the proper banking agency for their fraudulent business practices & they shouldn't be allowed to do any business. 

Their business license should be revoked indefinitely.
i paid off my mortgage with bank of america when i refinanced. b of a charged me a {$90.00} " fax fee, '' which seems ridiculous and unfair. they also charged a {$45.00} " reconveyance fee '' and a {$14.00} recording fee. i could buy a new fax machine for {$90.00}. this is absurd, outrageous, and i want a full refund for that fee! 

the fees banks and lenders can charge when you payoff their loans should be regulated so that we consumers are not hit by this arbitrary and ridiculous fees that we can not challenge during the payoff process. 

XXXX XXXX XXXX
I received notice from Citibank ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both Citi and XXXX have told me.
0n X/XX/2017 I paid my local personal tax via check. One check for my husband and 1 for myself. Both checks in the amount of {$9.00}. Both checks have been cashed but my bank still has not posted them on my account. They show that they have cashed them but refuse to post to my account. It has been over two weeks that they have cashed them.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against IC SYSTEMS for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I have contacted some of the companies that i am a victim of identity thief. They put a block on my Social Security number and know it contact me first. I have called Equifax about this issue and they still wont remove these inquiries that wasnt authorized by me.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
XXXX is reporting an collection with a company called XXXX XXXX   account # XXXX This isn't my account, shortly after XXXX had a data breach, this collection popped up on my credit report from out of thin air.

I disputed this account & requested them to produce a signed contract with my name on it, instead they sent me a credit report stating that the account was verified which is impossible, if they would have really investigated this account rather that using their XXXX  system, they would've know that this account isn't mine.

Is XXXX XXXX even licensed to collect debt in North Carolina?
I DO NOT OWE ANYONE ANY MONEY!!!!!!!!!!!!!!!!!!!!!!!!!!!!
My XXXX XXXX was totaled in an accident on XX/XX/XXXX and was paid out in full by XXXX XXXX in XX/XX/XXXX. BMW FS was paid out in full, but they have reported on my credit file that I was delinquent with payments, As a result there is serious error on my credit report and my FICO score has been impacted. 
As a result of BMW mistakes I can not get a loan to buy a home and I am suffering hardship due to the error made by BMW XXXX staff.
Navient raised my interest rate significantly on my Signature Student Loan, during a time of financial hardship, making it more difficult to pay down the debt.
I do not owe any money to this account and they continue to try and call. they are threatening to send a debt to collations that I do not owe
On XXXX XXXX 2016 at XXXX there was a call place to Heavner, Beyers & Mihlar, LLC in regards to my account according to the caller they spoke with an employee by the name of XXXX, she proceeded to disclose information in regards to my account such as the beginning balance to how much is left the amount paid in and the last payment received without verifying the identity of the caller, when ask their company procedure when verifying the consumer befor releasing information she stated the caller said their name and according to the FDCPA she has violated the third party disclosure act. I am currently employed as a debt collector and know that puts not only the debt collector as well and the employers in financial risks.. so if at all possible can u direct me to whom or where I can go to seek monetary fines in relation to this violation.
We are trying to sell our home, checked the XXXX if we have any claim against our property in XX/XX/XXXX. None recorded. While opening escrow, we received the preliminary report from the title company that we have a XXXX lien against our property by Banco Popular North America. They sold that XXXX lien to XXXX. This sale is on paper but never has been officially recorded. XXXX XXXX in XXXX, CA XXXX needs to have a recording. We tried several times to get Banco Popular to record this transaction. They refuse. We ca n't sell our home. 
The above process took place in XX/XX/XXXX, while we were under chapter XXXX bankruptcy proceedings. The XXXX Bankruptcy XXXX XXXX XXXX California declared the above XXXX lien to be entirely, permanently, and for all purposes void and unenforceable in XX/XX/XXXX.
Optimum Outcomes has placed the debt on my credit and caused my score to decrease therefore preventing me from purchasing a home. I find this to be illegal as they are not their original creditors and purchased this debt.
Placed judgement on my credit report, after I had them remove inaccurate information in collection, so they removed it as a collection and unlawfully placed it as a judgement. I was never notified I was being sued by anyone, requested paper showing court summons never received them.
Lender Nations Reliable Lending aka XXXX NMLS ID # XXXX located at XXXX XXXX, Texas XXXX originated a conventional 10 year fixed cash-out refi for my home. NRL provided a truth in lending ( TILA ) closing disclosure that outlined the terms of the loan including no-prepayment penalty and no balloon payment. Due to NRL 's miscalculation of P & I payments as evidenced by the Amortization Schedule a balloon payment results in the final balloon payment of over XXXX payment which exceeds the error tolerance of {$100.00} or .5 % of loan face value. It is highly likely that this error is systemic and has impacted a significant number of loans originated during the same time frame and/or prior. The harm that has resulted are as follows : 1 ) Loss of time having to recollect documentation to re-close the note. 
2 ) The potential loss of opportunity to capitalize on prevailing market rate at close 3 % with points. Currently approx. 3.75 % 3 ) Expenditures associated with having to consult both legal and accounting professionals regarding recourse and financial documents for new underwriting requests.
Wells Fargo has been charging me late fees over the past 8 months that have not been necessary. I have paid {$28.00} for each late fee for multiple months. This is not including a {$35.00} late fee from another bank, XXXX, each month as they continued to draw from after I had filled out paperwork to have it come out of a different account and later had to cancel that account to keep from being over-drafted. I called to sit on hold with bankers for hours each time trying to correct the issue. Late fees of the recent months ( XXXX, XXXX and XXXX ) have been waived but not before effecting my credit.
Purchased goods and services from Lowe 's using their store credit card. Product and service was done incorrectly. Filed dispute with credit card company Which was acknowledged by Synchrony Bank on XXXX XXXX 2016. Stated in the communication that when the investigation was completed I would receive a response via mail or email notifying me of the resolution of the dispute. Never received a communication regarding a resolution and was forced to continue to make minimum payments even though the balance was in dispute. Was threatened that my account would go into collections if I did n't make a payment. Dispute is still not resolved. Was also told I would have deferred financing and after purchase was told that it was n't deferred.
One XX/XX/XXXX, Capital One made a decision to close all my accounts. One of the accounts was a savings account I am a co-holder with XXXX XXXX, my daughter as a minor. One XX/XX/XXXX, I called Capital One because I have not received the closed out amount of {$100.00}. I was told that day that a cashier check has been mailed to me and it would take 10 business days. I was told if I don't receive the check by XX/XX/XXXX, I can call again. I did not receive the check so I called on XX/XX/XXXX. I was transferred to at least three times and after 30 minutes, they can't seem to be able to explain what happened my XXXX 's balance.