WillisBack/dataset-financial-user-claim huggingface dataset:
Tried paying my entire loan off XXXX times. They reversed the transfer payment XXXX times and charged me late fees even though I had proof that it was they that reversed the transfer. In addition they cost me an extra {$20.00} in wiring fees which they did not refund. You will wait on hold for upwards of XXXX minutes only to be hung up on BEFORE you talk to a representative. When you do manage to get a representative they will transfer you around for another XXXX minutes. They have managed to squeeze an extra XXXX months of interest and fees out of me all the while threatening to ruin my XXXX credit score if i do n't pay, which I have twice.
Hello, Wells Fargo has been down for like 2 days now leaving customers including myself unable to access our accounts. I don't understand how the country 's 4th largest bank can have a nationwide shutdown due to one facility being down. Clearly Wells Fargo has no proper plans in place to protect their customers from a catastrophic meltdown and no contingency plans. This is outrageous and requires CFPB oversight and fines.
I mailed payments by 2-day priority and it arrived in time. I was reported late because someone didn't apply my payment for several days after they received it and I was reported late. I am being reported late in XX/XX/XXXX because the post office made an error by putting the wrong letter in my 2-day priority payment. I tried to explain what happen, but I am being reported late again. This is not my fault, but they won't listen.
A stolen check was drawn on my Chase checking account on XX/XX/XXXX in the amount of {$4000.00}. I believe the check was stolen from my apartment the preceding day in an incident reported promptly to the XXXX but at the time of the initial police report I was unaware that my check book was among the items stolen in this incident. I became aware of the theft on XX/XX/XXXX, when I reviewed my account online and discovered the unauthorized check. The check image clearly shows a signature bearing no resemblance to my own. 

I reported the theft to Chase 's fraud department on XX/XX/XXXX, and froze my account on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Chase 's Customer Claims Department denying my claim, " because you did not take ordinary care to prevent the fraud. '' I spoke to a representative of the Fraud department, " XXXX, '' by phone on XX/XX/XXXX around XXXX XXXX EST. XXXX confirmed that Chase denied my claim, saying that because I had not stored my check book in a " secure location '' Chase could not bear responsibility for cashing the forged check.
Below is what I have copy and pasted from XXXX XXXX. I disputed the first one because this around the same time that my identity had been stolen, yet they close one and just turned around to open another one. This should not be on here. I have disputed multiple times now. PLEASE fix this. Thanks! 





XXXX XXXX - XXXX Closed : XXXX XXXX, XXXX + XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX - {$340.00} Needs Attention Overview You 've paid off 0 % of your collection amount. 
Balance {$340.00} Highest Balance {$340.00} Opened XXXX XXXX, XXXX XXXX XXXX yr, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX
I built my home with XXXX XXXX. In Utah, the owners policy is paid for by the seller. When doing a new build, standard practice is that as long as you use the same title company as the builder, they will pay for the owners policy. 

In my contract I signed, it stated that if I don't use their title company AND their lender, than they will make me pay for the owners policy ( which is a seller 's closing costs in Utah ). I understand having builder incentives for using their lender, but in this case they are actually charging me more to be able to select my own lender. This doesn't make me feel free to choose who I want to work with for my financing. Essentially they are charging me {$970.00} more in closing costs if I don't use who they want me to use. How is the fair lending? 

My loan officer, XXXX XXXX with XXXX XXXX, called and spoke to the owner of XXXX XXXX ( XXXX XXXX ) on  XX/XX/2018, to see if he could waive this in the contract and he disclosed to her that his preferred lender ( XXXX XXXX - First colony Mortgage ) pays him for the owners policy if he sends his customers to him. This really frustrates me because I am told that the lender can't give anything of monetary value for referrals and yet this is what they are doing and I am paying the price for this.
My alleged loan is currently serviced by Carrington Mortgage Services ( CMS ). My alleged loan is originated with XXXX, XXXX XXXX XXXX and riddled with fraud and contains forgeries, etc. I previously had XXXX XXXX XXXX who posted many of my mortgage payments to foreclosure fees instead of to my payment account. Money was embezzled from our escrow and payment account and we have complained with XXXX XXXX XXXX and now with Carrington about the inaccurate fraudulent debt to no avail. They continue trying to collect an amount that is not correct. They also continue to report it on my credit even after numerous disputes. Recently, I requested from Carrington proof of claim under U.C.C. Code Article 3 -3-501 ( b ) 2 ( 1 ) to visually inspect the alleged wet ink Note. Carrington response was that they decline because the Note is secured and not available for release until debt is consolidated. They also continue to state that they will no longer respond to my requests and that my loan is in foreclosure even though there is not yet a foreclosure date ( I live in Florida, a judicial state ). They assert that they are the holder/investor/owner/servicer and in other letters they have alleged that they are also the trustee. Nonetheless, there are numerous contradictions in all responses I have received. This foreclosure mill/debt collector ( Carrington ) is threatening with foreclosure and expect that they will continue this fraud without showing us proof that they are truly the holder in due course or that the " original '' wet ink Note actually exists. All they have sent us is a copy of the alleged Note and a Possession Certificate under Florida Statutes by XXXX XXXX XXXX, not from them. I can also confirm that the copy of the alleged original endorsed Note is indeed fraudulent but I will not give details now because I will save it for trial. This alleged loan was " criminally '' created and serviced from the inception. My family and I have been suffering monetary, physical and emotional damages for years. This specific complaint is about Carrington Mortgage Services who has been servicing this alleged loan since XXXX 2014 because they have failed to comply with our debt disputes, QWR 's and now with our request to visually inspect the Note which we have a legal right to do so. I have all documentation to substantiate my claims against CMS.
TRANSWORLD SYSTEMS, Debt collector continues to call multiple times daily, 3 weeks after debt was paid.
In XXXX 2015 we agreed to a vehicle lease with Nissan Motor Corp ( dealership in XXXX XXXX CO ), and were told we would have to pay {$400.00} for tires on the vehicle that we turned in due to its lease ending. This was a key part of the deal and primary reason for agreeing to the new lease terms. After closing, we received a bill for {$700.00} for various charges not related to tires. Essentially they told us a lie to close us, then just billed us for whatever they wanted. We did speak with the dealership and they sent us a check for {$300.00} so we would only be liable for the {$400.00} originally agreed upon. 

The problem is that before this reimbursement was made, the dealership sent the {$700.00} bill to a collection agency, thus causing a negative impact on our credit. My wife XXXX XXXX is the primary and I am the co-signer and this is obviously impacting XXXX our credit scores, and all because of a lie in order to close a deal.
I opened a dispute with XXXX 3 different times, the most recent being on XX/XX/XXXX. I specifically told them I had documentation showing that I should have never been reported to Fair Collection and Outsourcing. However, even before XXXX or the collection agency had a chance to look at it, XXXX   would close the dispute stating that nothing had changed. 

The written agreement ( which I will attach ) between myself and XXXX XXXX XXXX stated that I could break my lease on XX/XX/XXXX as long as I was out by the XX/XX/XXXX and I was not getting my security deposit back. 

I was not getting evicted and I was not supposed to get charged any other expenses. 

This needs to get resolved as it is affecting everything in my life.
Commonwealth Financial Systems purchased my debt from 4 years ago and have since been contacting me concerning it. I told them that the state of Arkansas has legislature in place that we can not be harassed about medical debt after 2 years. They are now lying and saying that the debt is only 3 months old and was acquired on XX/XX/2017. They call so much that I have had to block their number and they still continue to call.
On XXXX/XXXX/16, I ordered a billpay payment from XXXX XXXX XXXX to pay {$2300.00} for my XXXX house payment. It normally takes 2-4 days for the billpay payments to get to Seneca Servicing to be credited, and there is a 15 day grace period, and it is simple interest, so it does n't matter if I am early or late on my payment, the same interest is applied. I have used billpay for over 5 years, and they never miss payments. Seneca has not credited my payment, and I contacted them to find out why. They claim XXXX holds my money for a week or longer after they take the funds out of my account to make money from me, and then they send it off. THAT has never been my experience. Up until 3 months ago, even my Seneca payments were credited within 2-4 days. Now, it is XX/XX/XXXX, and nothing has been credited. 
I called Seneca who told me to call XXXX to see where the money is. XXXX mailed it to Seneca. They explained to me that they no longer have a relationship with Seneca, so they do n't do digital payments to them any longer, they have to mail paper checks, which they have the last XXXX checks - coincidentally, the last XXXX checks were credited, 9, 11, and 13 days after they were sent by XXXX. I called Seneca back and asked them to look for my check, the address sent to was verified, and there is no reason XXXX would hold my money - they have issued larger checks than this through bill pay, and never a problem. Just with Seneca - so the disconnect has to be with Seneca. 
They told me I now have a late charge of {$87.00} and that if I do n't send a new payment, then I will get reported to the credit bureaus for a 30 day late. I said I ca n't stop payment because you will charge me when you finally get around to depositing the billpay check, so now you want me to pay another {$2300.00} when I am not due yet, and I ca n't pay other bills because I wo n't get paid until next week. They said again, yes, we will charge a fee if the check does n't clear our bank - and yes, we will report you to the credit bureaus if you do n't pay within 30 days. I said, I paid on time, you have n't credited me. Do you look at the post mark on the envelope when you finally cash my check? We credit your account the minute we get your check, then if it does n't clear, we back it out. So we do n't look at post marks. 
I am at the mercy of Seneca 's mail room sorting my check. The check had all the same identifying information as all the prior payments.
Us banks actions were never addressed. The company failed to answer my concerns about tax payments that were not due. Us bank continues to disregard the information submitted by Us banks tax processor ; XXXX XXXX XX/XX/XXXX. The last document sent by Us bank states the document from XXXX XXXX has been purged from their systems. My question remains unanswered ; Us bank molested my accounts to recover funds that were not due. Now the banks claims this document from XXXX XXXX has been purged from their files. I have supplied the bank with a copy of this document several times over the past 3.5 years. The response us bank sent ; does not address their actions on XX/XX/XXXX when funds were paid to the county. These funds include us bank payments for taxes that us bank has no lien against. 
This issue has been discussed by phone, us mail, e mail since XX/XX/XXXX. Still waiting for an answer.
TransUnion has dropped my credit score some XXXX points. I feel TransUnion should Be investigated for Racist and Discriminatory Practices because if I were A XXXX male my score would be higher. I would like to know how they Come up with a Credit Score. All my accounts are paid on time and yet I have a XXXX Credit Score. I do n't see how they come up with such a low Score unless they give XXXX XXXX Males low Scores. 

Again I want an investigation into their Practices of Discrimination. 

XXXX XXXX XXXX
between the months of XXXX XXXX and XXXX XXXX, my mortgage principle balance has gone up XXXX ... why? every month I see " other charges '' of anywhere between $ XXXX {$800.00} but never an explanation as to what these " other charges '' are. I 've also asked for a copy of the initial documents I signed detailing all the charges and particulars of my loan. I 'm told Seterus does not have them so oh well ... no documents for me and no way to know if what they are charging is within the detailed loan specifications or not. How can they just create charges with no type of explanation at all. Most of the loan agents are curtious but really know very little pertaining to your loan at all. Some of the agents are just straight up bullies.
I did a 0 % balance transfer on one of my credit cards. The card had a XXXX balance prior to this transaction. I paid the first month 's minimum payment and then on the second statement after the balance transfer I was charged {$1.00} in interest. 

I called and spoke with two representatives at the bank and they both indicated that the 3 % balance transfer fee was not paid off after the first statement so now that fee is treated as a purchase. 

So the bank is charging me interest on a fee that they charged me. The bank is indicating that if the fee is not paid completely after the first statement it becomes the equivalent of a purchase. This is not indicated anywhere in the literature. Every time I 've done a balance transfer with any other card the transfer fee becomes part of the 0 % interest. 

Obviously it 's not the {$1.00} I 'm worried about, its the principle that the bank is charging me interest on the fee that they charged me as if it were a purchase. This seems to be a very poor way of doing business.
Kay Jewelers allowed a friend of mine to use my account without my knowledge. My boyfriend at the time went into a store in Virginia for a cleaning of a product I purchased. Subsequently, the product was damaged by an employee during cleaning. They offered to fix the damage. In the meantime, my boyfriend asked if they could provide a " loaner pair '' of the same earrings until these were fixed. He was not authorized in any way to use this account. Not only did the employee allow him a new pair of earrings in my name, he also raised my credit limit in order to put this purchase on my account. No notice to me about what was going on, no signature from me, no call, nothing! When I found out what happened ( through a phone call I made inquiring about my increasing bill ), they told me about the purchase. I told them that 's impossible as I was at work that day and no one else has authorization to use my account. Long story short they stated they removed this employee from the store and also would credit me with the cost ( neither of which really happened ).
Several people from this place called my phone and my husbands, claiming to be working for XXXX XXXX and XXXX XXXX  connections wanting me to pay an old XXXX XXXX debt. I asked them to send this in writing. They did not. They tried several times to collect money from me over the phone, saying that it was not handled properly and that I owe XXXX XXXX a lot of money. They said I have to make arrangements. I was connected to several different people. I am XXXX and would appreciate them leaving me alone when I asked them to. I asked for something in writing and they said they would but instead keep calling up to 5-10 times a day telling me to call immediately.
Through the XXXX app version of Coinbase I bought one XXXX for the price of {$84.00} XXXX on XXXX/XXXX/XXXX. I emailed Coinbase asking about the charge ( my memory lapsed and I had forgotten what the charge was for since it took a while ) and asked for more information. They placed a hold on my account in case of unauthorized access and I went through new passwords, two-step verification answered their questions about my account. I verified my account was safe and let Coinbase know I resolved the dilemma. Since XXXX/XXXX/XXXX I have been waiting for my account to be unfrozen and to receive the XXXX. I emailed again on XXXX/XXXX/XXXX asking for an update and help resolving, and then again on XXXX/XXXX/XXXX. I went through another email to receive help from Coinbase support through a email portal through their website on XXXX/XXXX/XXXX and that has yielded no results either.
This collection account magically appeared on my credit report from Commonwealth Financial with no notice in the mail or phone contact. I have no knowledge of this alleged debt. The put this on my credit report " damaging '' my credit score. I have sent a letter to Commonwealth Financial asking for validation.
I 've opened a credit card with XXXX about a year and four months.. I had 0 % interest for the whole duration of about a year and four months.. I used my credit card at about 50-80 % limit because I was investing in my education.. and used credit as an advantage and have payed it off before interest has took effect ... I tried to apply for a credit card at Bank of America and it seems my credit score went down due to using my credit limit at a high rate ... I would like to be able to talk about this since I was responsible for paying off in full without the APR taking in effect.
XXXX / XXXX / XXXX  contacted the company regarding hyperinflation of debt. Collector states amount owed is  XXXX  and additional fees ( undisclosed as to where or what these fees are  XXXX   XXXX . When I asked why the balance so much higher than what I had previously been billed. They lied and stated I did not properly cancel my account. I informed them I have proof and that I spoke with a representative at  XXXX   XXXX  by the name of  XXXX   XXXX . The collection representative refused to listen to my concerns, would not allow me to defend my debt nor offer me solutions to obtain data to correct the amount. She constantly spoke over me in a rude tone and belittled me if not chastised me for having an account in collections. The last statement I received on  XXXX / XXXX / XXXX  via email notified me of outstanding balance due to  XXXX   XXXX  in the amount of {$100.00}. I feel that this was a method to fraudulently obtain additional funds from me through coercion
Opened an XXXX card and have been paying on time as well as using card for purchases american express started to remove features and other benefits from my card. As I do pay a member fee like all other members i expect to have the same benefits and features as those with the same card. After several long chats and calls they refuse to assist me as a member. After checking my credit and looking at what could cause this there was only one reason it was discriminatory on my race, religion or XXXX.
My name is XXXX, Hunter Warfield is a debt collection agency. XXXX are using them to collect a debt I owe. However they call my parents house daily now its twice daily. They have an automated service calling you can never speak to a real person. Plus they are listed on my credit file twice. I have paid them so far {$100.00} dollars and after I paid them the {$100.00} is when they started calling twice. I do not know why they are calling my parents number and not mine. Please help with this matter. I do not know what to do to get them to stop calling my parents. 
My email is XXXX phone number is XXXX I am on XXXX and XXXX at night so I sleep during the day, if I miss you call I will return it the next business day. 
Thank you very much for you help in this matter XXXX
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : ACCOUNT # XXXX Williams Alexander & Associates Toll Free : XXXX Fax # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU VS XXXX XXXX XXXX , XXXX XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers XXXX obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in questionPlease send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) asIf you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
I tried, as directed on the FTC site, to send them a letter asking them to stop contacting me ... Sent it by certified mail as directed ... but they refused delivery..last person I contacted on the phone about this " debt '' told me they had no record of it ....