WillisBack/dataset-financial-user-claim huggingface dataset:
We had a mortgage with New York Community Bank for almost 27 years. 
It is almost paid off. Throughout the years I have been back and forth with NYCB regarding my escrow account. I wanted them to do an audit as I explained there had to be an overage each year. 

They said there was no overage and they already looked at out account. This year the mortgage was sold to XXXX ( XXXX XXXX XXXX XXXX ) I called them during the transition and explained my concern. 
They said they would audit it and they did. We received a refund check for the 2017 escrow overage amount {$1300.00}. 

I want to request NYCB to investigate my mortgage account and refund all overages due. 
Thanks
I 'm currently a XXXX ( 4 years ) enrolled in a university XXXX and in XX/XX/XXXX, when I started the doctoral program, I arranged to have my private student loans deferred. I recently received an email from the provider ( Navient ) stating that my loans needed attention. When I contacted the provider ( on XXXX XXXX, XXXX ), I was told that my loans came out of deferment in XXXX XXXX and that I now owed XXXX dollars in overdue loans ( I 'm not sure by exactly how much because I was told XXXX different amounts in overdue loans from XXXX different people because I was transferred several times, put on hold and had to call back. Both calls ultimately ended before I could resolve the matter because the employees switched my over to some automated survey both times -- the first phone call lasted 30 minutes and I got nowhere ). I requested forbearance, but was told I had to pay {$150.00} first to bring my account current. As a full-time XXXX student, I am unable to pay that amount and would like my loans to be placed in forbearance, especially since I never received any advance warning that the deferment status on my loans was about to end, so I never had the notice or opportunity to do so before my loans " automatically '' came out of deferment ( without my knowledge ) and became overdue. Otherwise, I would have done so earlier. I feel that I have and am making a good faith effort to work with the provider, but that the provider is not reciprocating as evidenced by the evasive manner in which they handle my phone calls, the lack of notice they afforded me, and the conflicting information I received. ( Instead, it feels like they almost want me to default so that they can charge exorbitant interest and fees and ultimately sell the debt at a profit. This is n't right, and if it is legal, it should n't be. ) Thank you.
On XX/XX/XXXX, I retrieved a copy of my 3 bureau credit report and noticed that AFNI had placed a collection account on my XXXX credit report ( Account # XXXX ). I was notified through my credit monitoring subscription on XX/XX/XXXX that AFNI had inserted the account ( s ) on my XXXX  credit report. I have never did any business with this company, never heard of this company, nor have I received any correspondence ( dunning letter in particular ) from this company on the alleged debt they are stating is owed to them. I have no knowledge of who the original creditor is and no basis to justify my paying them for a debt that is alleged and not validated. 

Being that I never received a letter from this company to dispute the validity of these erroneous accounts, these entries must be deleted from my credit report. Per FDCPA, AFNI was required to notify me of this debt prior to inserting it on my credit report and then allowed me 30 days to dispute the validity of such allegation. I DID NOT RECEIVE ANY NOTIFICATION FROM THEM. As such, AFNI should have provide me with an agreement that stated their authority to collect on this alleged debt, an agreement with the signature of the alleged debtor wherein he/she agreed to pay creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and name and address of the bonding agent for collection agency in case legal action becomes necessary. All requested documents must be submitted to me in order for me to determine that the debt is indeed due payable to them. Should AFNI not be able to provide ALL documents, they will need to delete these errneous, unverifiable entries from my report and send a letter communicating such.

For AFNI to blatantly violate my consumer rights by placing these accounts on my report directly violates FDCPA.
I, XXXX XXXX, contacted Equifax via fax on Monday, XX/XX/XXXX to correct the problem of being unable to locate a credit file. In return, I received a letter in the mail stating that they are unable to locate a credit file for the following reasons : not having a current file, having not applied credit recently and have not actively used credit in the past ten years. Both other credit bureaus have been able to accurately supply a credit score, however Equifax is not.
Responded to Portfolio Recovery Associates mail offer that if I pay a certain amount for a collections account, then theyll have the account be considered settled in full with the three credit reporting agencies, however, they did not meet their end of the agreement and the account shows on my credit reports as settled for less than the full amount not settled in full as promised. I will not speak to any of their rude employees who proceeded to harass me to pay more money even though the account should already be closed.
Senex Services insists that I owe {$480.00} for a medical debt. They have refused to provide proof of this debt despite my several requests.
Equifax is reporting that XXXX XXXX XXXX said my prior mortgage was discharged in Bankruptcy. It was not. It was settled in a short sale a year prior to bankruptcy. XXXX, after direct contact, has said I am correct and refuses to acknowledge that they reported it as discharged in bankruptcy.. But Equifax , after XXXX disputes has failed to do a proper investigation and correct the misreporting. They were even provided all the proper documents showing this was not in bankruptcy. They continually tell me it verified electronically. I told them that there is an error somewhere, they do n't seem to care. They have also failed to provide the information of who at XXXX is wrongfully verifying that this was discharged in bankruptcy. XXXX denies that they are verifying this incorrect info. Equifax also provides only XXXX generic contact info not someone who deals with credit or this issue. After XXXX disputes over 1 year this remains uncorrected.
I have tried repeatedly although unsuccessful to remove multiple inquiries from my credit report with all 3 credit bureaus multiple inquiries in a certain timeframe should only count as 1 inquiry. Each bureau refuses to remove the inquiries from my report which is affecting my credit worthiness.
On XX/XX/XXXX I received a mailed statement from XXXX XXXX stating my loan was past due. The past due notice was my first notice of any payments even being due on the loan. The past due balance was {$280.00} and the current amount due was {$140.00} suggesting I had missed two payment, again, payments I was never aware were due. I called the company asking about options for pushing back the past due date so I could verify the loan was in fact mine since I have no promissory notes on file for it. I was told no and that I had been notified by email as well about the bill. I, in fact, never received anything by email about the bill. I searched my inbox, junk mail, etc. The email from Heartland was on XX/XX/XXXX, which is copy and pasted at the end of this statement but says nothing about a bill and is rather quite cryptic. 

I have two primary grievances. One, Heartland needs to send a statement just like every other company saying a bill is owed in advance. Two, I was charged late fees, which I would like removed since I had no opportunity to make the payment on time. I also think for a company that can have so much negative influence on a person 's bottom line, credit score, etc, these surprise bills can not be allowed to continue. 

XX/XX/XXXX Email We are notifying you that your contact information has been recently updated for XXXX XXXX XXXX / XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
I have my mortgage with SLS ( SPECALIZED LOAN SERV. ) I have been denied a loan modification several times for crazy reasons My home is listed as a MERS account. It has been sold over six times without sending a GOODBYE LETTER or notice. The monthly fees keep changing. 
changing. My payments are being sold as mortgage backed security, therefore the home can not collateral. MY TITLE IS CLOUDED AND SLS ( SPECIALIZED LOAN SERV. ) IS NOT BONDED TO COLLECT IN MY STATE. They are in violation of the TEXAS XXXX XXXX. NOW THEY ARE TRYING TO FORECLOSE ON MY HOME. PLEASE HELP CODE. They are trying to steal my home PLEASE HELP ME or
When my income dropped significantly I contacted Chase, my mortgage company in XXXX XXXX to apply for mortgage assistance and submitted all requested documents. On several occasions following the initial application I was contacted by XXXX XXXX requesting additional documents - which I supplied in a timely manner. In XXXX XXXX I was informed by XXXX XXXX that all documents were complete and he was forwarding all information to the underwriting department and I would receive a response and multiple resolutions within 30 days. 
In XXXX XXXX XXXX XXXX contacted me once again requesting more information and a new application - which I supplied. When he received all documents, he assured me once again that my application was complete and all documents were being forwarded to the underwriting department. 
Today, XXXX/XXXX/XXXX I received yet another request from XXXX XXXX to replace and clarify previously submitted documents. It is now my contention that either Chase does NOT really have a program for mortgage assistance, or people like XXXX XXXX are employed to obstruct the application process of each applicant. I have continued to make my mortgage payments each month, yet have been repeatedly lied to by XXXX XXXX. I wish to submit this complaint and will also file a complaint with the New Mexico State Attorney General 's office, and explore a lawsuit against JP Morgan Chase & Co.
I received what looks like a new debit card from a company called netspend. I have no need for this type of card, and I worry that they have opened an account in my name without my consent.
I have an unauthorized credit inquiry from XXXX XXXX XXXX dated XX/XX/2017.
XXXX client, XXXX XXXX is a victim of identity theft. She received an XXXX  credit report and was notified of an inquiry made into her credit file from three creditors concerning fraudulent applications submitted ; Capital One XXXX XXXX, inquiry made XX/XX/2018 ; formal dispute was submitted XX/XX/2018 ( no reply was received concerning dispute ) ; XXXX XXXX, inquiry made XX/XX/2018 ; formal dispute mailed XX/XX/2018 ( no reply was received ) ; XXXX XXXX, inquiry made XX/XX/2018, formal dispute mailed XX/XX/2018, ( no  reply was received ). A current XXXX  credit report still has these banks listing the now know fraudulent related data and each of these banks are in violation of my clients federal consumer rights.
Harassment at my workplace ' telling my employer it 's a urgent matter. Collector come to my place of work. Not introducing who they are and who they work for. Leaving a phone number to call immediately. They said they work for XXXX XXXX court and court Summons me. Telling me that ' they will come to my house so I can receive the court letter. And no one will be able to receive it but me.This is the first time they had contact with me and a lot of harassment happen. I almost got fired my work. 
First contact XXXX haole lady went to my workplace in the morning Second contact XXXX/XXXX/XXXX a man pretending to work for state court XXXX pm Third contact XXXX/XXXX/XXXX harassing me to pay the debt ' without me looking to such matter. 
Too much for one day '
I had a credit card with Bank of America. ( I closed the account yesterday, XX/XX/18, because of this outrageous incident I had with them. ) At the beginning of XXXX, 2018, my credit card balance was {$5800.00}. I paid the amount in full on XX/XX/18. At the time, I also set up automatic payments so that in the future the full balance would be paid on the XXXX of each month. As of XX/XX/18, my account at BoA was {$0.00}. I did not use the card again. 

On XX/XX/18, BoA issued an automatic withdrawal from my bank for an ADDITIONAL {$5800.00}, even though my balance had been paid off in full 24 days previously. 

Of course I did not have that money in my bank account, so my bank account was overdrawn, and I was fined by my bank. When I called BoA to explain the situation, I was routed to multiple people and supervisors, all of whom told me that it was my fault that this happened and that they could not remedy the situation.
As of XXXX XXXX, XXXX, ive sent three letters each to the credit bureaus ( XXXX, Experian and XXXX  ) trying to resolve multiple negative student loan accounts on my report. The Credit Bureau 's ( XXXX, Experian and XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original.. All of the loans in question have been consolidated since XXXX and is in good standing ; but the negative accounts that are being reported are hurting my credit score.
I am going through a hardship financially and the Bank of America credit card collections people call me almost everyday and twice a day almost every other day. I have explained to them that I will make the payments I can but they insist on me paying a small amount every couple days and said they will keep calling until the payments are made. I have put the main number, XXXX, on an auto reject list so I do n't have to talk with them while I am at work. I am also getting interest added and a late fee to my balance every month, so that is pushing me back farther. Right now, any payments I make are just for the interest and late fees and they wont send me to collections because they want to keep charging me interest, even though I am 3 payments behind already and my account has been involuntarily closed.
XXXX XXXX XXXX : XXXX College XXXX -- XX/XX/XXXX GraduateMy private student loans are being handled by Navient. I owe XXXX figures in student loans after spending XXXX years at XXXX College XXXX. I have not been able to afford my loan payments since losing my full time job in XX/XX/XXXX. Before that, while making payments and trying to catch up on missed payments Navient would call myself, my Mother and Father starting at XXXX sometimes more than XXXX times throughout the day. This went on for months. Even once having caught up to my loan payments and missed payments, they would still continue to call us daily to " remind '' us of the approaching due dates. 

Now, fast forward a few months ... they only call XXXX times a day, even though my work situation has not changed and I have informed them of this multiple times. I can not afford my student loan payments working a part time job and still continue to pay household bills. 

Today, Navient began calling family members and friends of mine I had n't seen in years telling them they had a " job opportunity '' for me and to get in touch with me to contact them. This seems absolutely ridiculous to me that they 're reaching out to people I rarely even talk to and bold face lying to them. If this is n't harassment, I do n't know what it is. 

XXXX XXXX
I continue to receive between 30 and 45 calls per week from Regional. I have received 3 voicemails within the last 2.5 hours during the work day. They continually call at exactly XXXX including on Sunday. Any reasonable person would agree that this is a violation and excessive. There is already a payment scheduled and I am still being harassed multiple times daily.
I am trying to payoff or refinance my student loans. I first called XXXX and requested a 30 day payoff verification document on Friday, XX/XX/XXXX. On Monday XX/XX/XXXX I followed up with a written request for a 30 day payoff verification document. It is now XX/XX/XXXX, and I still have not received this document, which has prevented me from paying my student loan in full or submitting this document in my application to refinance my student loans.
In  XXXX  I effectively closed my account with Ban k of America after mult iple fraudulent checks were cashed in my name without proper verification of identity. I went through the proper channels, filed a claim and once the claim was resolved closed my account.     In  XXXX  I went to a  XXXX  branch to open an account and was told there were " disparaging remarks '' on my consumer report saying I had abused privleges at that bank. I was never called or sent any letters in regards to a debt, no was I sent to collections for anything.   I than visited  a Bank of America branch and was p ut in touch with the claims department who asked me if I would pay the outstanding amount of about {$4000.00}. I was never sent any letter saying I owed them money and my account had been closed for over   three years. I was than forwarded to checks and balances who again asked me if I had any intention of paying the outstanding amount. I was forwarded again back to claims who told me that since the claim was over three years ago I would need to file a new claim in order to get any information regarding why there were disparaging remarks on my account that were preventing me from opening with another bank.
I have given them all of my contact information and was not contacted. I went back to the Bank of America and was told again that nothing could be done except to open a new claim and that the files from the original claim were n  ot accessible to me.
My purse was stolen on XXXX XXXX, 2017, and someone on XXXX XXXX, 2017 went to a WELLS FARGO Bank branch with a Withdrawal form filled with my information and even with my signature falsified and the teller authorized the withdrawal from my saving account in the amount of {$800.00}, I have a copy of that transaction in my hand with all that information.
I am contesting a collection account that is recorded on my Experian and XXXX credit reports. I have, in the past, protested this account through Experian and XXXX, with unsatisfactory results. 

The collection account is for XXXX XXXX in the amount of {$700.00}, and has been on my record for more than six years. 

The original debtor, XXXX XXXX XXXX, was at no point in time opened or used by me. Claims otherwise constitute fraud by the creditor or a third party. Therefore, this collection account should be removed from my credit report record.
Never issued this fraud alert and unless requested by me, Experian better not issue another one. Remove this fraud alert immediately, FCRA violation. 

Please provide documentation of who issued this fraud alert when and what address. 

Copy of Alert : Consumer Statement XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first verifying the identity of the applicant. This security alert will be maintained for 1 year beginning XX/XX/XXXX.
I was doing online inquiry in relation to a real estate purchase and I contacted support informing them the numbers were incorrect/old and told them I submitted page to proceed only to find the terms. They did not communicate with me and continued to process the loan. They sent an email in reply to the support request the day they processed the loan. I never agreed to finalize the loan.
In 2017 I opened a credit card with Navy Federay Credit union. The advertise a program for Senior enlisted Military personel where your transfer balances are intrest free for a year an purchases are intrest free for 6 months. I never checked behind Navy Federal to ensure that this was completed because Navy Federal is normally on point. It wasnt until it was brought to my attention by a Navy Federal loan representative after applying for a loan that I was not receiving my benefits. The representative immediately had me provide documentation of my rank an submitted the paperwork to have my account credited back the intrest I was charged. Navy federalcrefit card back office denied the claim an stated that since it had been over a year since the mistake they will not do anything an claimed that I opened the account online, when I spoke with a representative to open account because at the time, navy federal had allowed my exhusband had fraudulently added me on his account an we were fixing it on line.
They sent me a letter stating that beginning XXXX XXXX, 2015 their company will start taking {$75.00} on my account. The company kept sending me letters about the debt which I do n't recognized. I did request in writing to send me the validation of debt which they failed to send. Now, this is what they want to take money from my account without any judgement or proof of debt.
I applied for mortgage w Amerisave and got approved. I reseived disclosure and I reviewed it on XXXX/XXXX/2016 and found error in the value I listed my house price ( I do n't know if I added XXXX or they added ) I flaged it several times and uploaded it to them on the same day. I followed that with phone calls to them and they told me not worry and it is normal mistake. They reviewed the disclosure and did n't update me on any any thing and proceeded with appraisal ( cost to me {$800.00} ). After the appraisal I received a new disclosure with over {$8300.00} of extra fees. This substantial amount and I 'd have stopped the refinance and appraisal over this since the refinance rate is the same as the original rate and this will take away large amount of the cash out. I asked for a refund for the {$800.00} but they refused. They clearly violated TILA and I disputed the charges with my credit card company. I 'd like your help in resolving this matter. Please advise on my options.
Wakefield has place collection on me that are not mine.   XXXX   XXXX   XXXX    offered financial counseling and provided 100 % discount under a program that was signed off to allow student to get their training. I have no knowledge of responsibilities other than that.
This refers to complaint # XXXX. I received an email from cfpb stating that I had closed not one, not two but three checking accounts with capone360. I do not remember having three checking accounts with capone360.. would appreciate an explanation of why this/these accounts were closed,, by whom and when.. I only had one checking account with capone360 I DID NOT intend to close this/these accounts until my issue with capone360 was resolved. I have no idea why these accounts are closed.. my complaint had to do with money missing from my checking and savings with capone360. please review my earlier complaint.
My American Express Blue Cash Credit Card with ending number XXXX was wrongfully charged without my authorization on XX/XX/XXXX. The charge was {$100.00}. I paid off the charge plus late fee and interest charge in total of {$120.00} on XX/XX/XXXX. However, American Express charged {$1.00} interest. This blue cash account information disappeared from my online account. I travelled to XXXX and XXXX during XX/XX/XXXX and XX/XX/XXXX and I did n't see the {$1.00} online. American Express Company terminated this blue cash card and closed out the account because of {$1.00}. They also forfeited {$1000.00} cash rewards I accumulated on this account. I authorized my brother to call American Express and one representative promised to fix the issue and return all the cash rewards to my other American Express cards. However, they lied and never return the money. At this moment, American Express refused to reopen the account and return my cash rewards. Additionally, they had reported this unresolved issue to credit agency and ruined my FICO scores. I am deep trouble getting loans if I want to buy an apartment. I have to bring this case to court and sue them and seek financial resolutions. They must pay all my cash rewards back and undo the damage they caused to my FICO score and also pay for any related damages.