WillisBack/dataset-financial-user-claim huggingface dataset:
In short, AFS Acceptance financed a vehicle to me in XX/XX/XXXX. The vehicle was NEVER registered to me and I have not been able to use the vehicle though I made every payment on time, through XX/XX/XXXX. Beginning XX/XX/XXXX, I requested AFS to take action to obtain the registration and license plates I had paid for and subsequently been billed for. Months passed before AFS finally contacted me to inform me they had to " double pay '' to obtain the title and would be sending me the registration/tags. I NEVER received them. I tried to trade the vehicle in for another one in XX/XX/XXXX, I was informed this vehicle was titled in someone else 's name and had a different lien holder listed. In XX/XX/XXXX, AFS 's Title Manager admitted to me that AFS had NEVER obtained a title for the vehicle. I asked for the amount I had been billed upon the loan initiation ( for taxes, tags, documentation fees, and registration fees ) to be credited to my account from the date of initiation so that I would also be credited for the finance charge for said monies. 
SHE REFUSED. She also informed me AFS had filed for a bonded title with the State of Texas in late XX/XX/XXXX. In XX/XX/XXXX, I filed a complaint against the auto dealership and then found out AFS had NEVER applied for any bonded title. I contacted an attorney at that time and was instructed NOT to pay anymore on this fraudulent loan. AFS was informed of my intent to sue and they were also instructed NOT to make any false or negative reports to the Credit Bureaus. I am providing documentation including emails from AFS representatives LIEING to me about having possession of the title, and correspondence from my attorney, XXXX XXXX. I can also provide a chronology of events with evidence I have to substantiate my claims. I do not want AFS to have access to those documents at this time as there is a lawsuit pending for Deceptive Trade Practices and Fraud.
There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX four total, XXXX XXXX four total, an account through XXXX XXXX. Please help as this agency is not complying
In XX/XX/XXXX, I started contacting home owner 's insurance companies for quotes because I wanted to change insurance companies. My premium was set to auto-pay from my escrow account in XXXX. With all of the hurricane fiasco, the insurance companies were slow at quoting and by the time I got the quotes, my premium had already been deducted from my escrow account from the existing insurance company. So I never signed any new insurance paperwork and told the new company that I would wait until next year. 
In XXXX, my mortgage company mailed me an Escrow Account History. It shows they paid out funds from my escrow account to 2 home owner 's insurance policies. I contacted them immediately and told them I never authorized payment to the second company and that money needed to be put back into my escrow account. I was promised it would be refunded into my account. I asked for an updated Escrow transaction history to show that it had been refunded. 
In XXXX I called again asking for the same information. I received a notice of a shortage on my Escrow account stating that my payment amount would increase due to the shortage. I again asked that they correct the mistake and refund my money and send me a corrected analysis. 
In XXXX I got a notice for the new payment amount but still no correction. I called again and was told that they reviewed the account and found no errors so they weren't sending a new analysis. I again requested the information and the correction. I asked for a supervisor but was told no one was available to answer my call. 
Last week- XX/XX/XXXX, I called again and spoke to XXXX and explained the situation. She told me that she would order a new analysis and it should be available after the XX/XX/XXXX and I could call back after that and ask for it to be mailed to me. I asked why they couldn't just mail it. She said she had no way to do that. 
I can't get the mortgage company to correct this issue and refund the money to my Escrow Account. The mortgage company is a servicing company that is a subsidiary of XXXX XXXX. The name of that company is Specialized Loan Servicing. Their contact information is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, CO XXXX Their mailing address is : SLS XXXX. XXXX XXXX, CO XXXX Their phone # is:XXXX
Hello : After filing disputes. Trans Union continues to report inaccurate Public Record. 

In XXXX, I tried to file bankruptcy, but the court rejected the claim based on my income was too high to qualify under Chapter XXXX. A year later, I reapplied under Chapter XXXX. Which was approved. 

Trans Union is still reporting that original void/denied filing. There is ONLY one filing from XXXX. I am enclosing the court documents to show the case reference and docket number. I am including a letter from my attorney, to show that the Trans Union Reporting reflects another Attorney 's name. 

My goal is for them to remove the erroneous original filed Bankruptcy. The one that that the court did not approve. Just like XXXX  and XXXX  have already verified through the courts and corrected my credit file. 

To be clear. My original XXXX filing was for Chapter XXXX. I did not qualify. A year later, I refiled under Chapter XXXX. Which was approved by the court. My legal counsel suggested before the case was discharged to convert to XXXX. Which is why the Discharge reflect XXXX. 

I realize it is confusing. However, the court can confirm the approved Chapter XXXX and the Discharged XXXX. All as being the same case. They can also confirm. That the original XXXX filing was denied by the court. 

Should CFBP need any of my Chapter XXXX documents. I can dig them out and forward. 

Thank you very much. 
Please see the attached documents. 

CASE NO. XXXX DOCKET XXXX ; DATE OF DISCHARGE ; XX/XX/XXXX HONORABLE JUDGE XXXX XXXX XXXX.
My issue is with Bank of America 's non transparent statement practices. I have paid my balances on the due dates set forth on each statement however continue to accrue interest charges after subsequent statements being PIF. As you see below in my summary I only had a {$10.00} carryover which accrued interest and was subsequently PIF on the next statement, according to the total balance to be PIF. Having had credit cards for 15 years now and having always handled my statements timely this is a gross abuse of non-transparent practices. 

1st Statement XX/XX/XXXX- XX/XX/XXXX, {$95.00} Balance to be PIF by XX/XX/XXXX. {$95.00} PIF on XX/XX/XXXX.

2nd Statement JXX/XX/XXXX-XX/XX/XXXX, {$8600.00} Balance to be PIF by XX/XX/XXXX. {$8000.00} paid on XX/XX/XXXX. {$620.00} credit on XX/XX/XXXX from rewards. Total credit to account by Due date of XX/XX/XXXX which was {$10.00} short. This was my error and own this {$10.00} carry over.

3rd Statement XX/XX/XXXX - XX/XX/XXXX, {$1400.00} Balance to be PIF byXX/XX/XXXX. {$1400.00} PIF on XX/XX/XXXX. I was charged additional interest of {$13.00} which I understood to be from my previous {$10.00} balance carryover.

4th Statement XX/XX/XXXX - XX/XX/XXXX, {$1600.00} Balance to be PIF by XX/XX/XXXX. Pending payment of {$1600.00} to post XX/XX/XXXX. An additional interest charge of {$37.00} is now showing on account.
I was charged fraudulent amounts on XX/XX/XXXX in the amounts of ; {$73.00} - XXXX XXXX XXXX XXXX {$5.00} - XXXX XXXX {$100.00} - XXXX {$26.00} - XXXX {$240.00} - XXXX # XXXX New York {$200.00} - XXXX # XXXX New York {$250.00} - XXXX XXXX XXXXXXXX XXXX {$100.00} - XXXX I reported these fraudulent purchases immediately (XX/XX/XXXX @ XXXX ) and immediately canceled all cards associated with my account and reported cards as lost/stolen On XX/XX/XXXX, I filed a police report with the XXXX Police Department reporting identity theft ( XXXX << REPORT NUMBER ) I submitted this report to netspend immediately via their online reporting function. 

On XX/XX/XXXX I receieved a notice from Netspend that they had received my report and were provideing a provisional credit to my account ( XXXX << REPORT NUMBER ) in the amount of {$340.00} OnXX/XX/XXXX I receieved a second notice from Netspend that they had received my report and were provideing a provisional credit to my account ( XXXX << REPORT NUMBER ) in the amount of {$550.00} On XX/XX/XXXX I  recieved a notice of resolution from Netspend stating that they found no errors in charges and that they would be crediting OUT the provisional debits by XX/XX/XXXX.
Bought XXXX XXXX XXXX XXXX XXXX-Chase Auto loan approved. Set up " bank auto pay '' w/Chase personal banker from my personal check acct.Then -traded in car for XXXX XXXX pickup XX/XX/XXXX.Called Chase personal banker to stop program XX/XX/XXXX - yet, Chase did n't receive dealership payoff until XX/XX/XXXX. Chase took additional payment ( {$350.00} ) from my personal ck acct on XX/XX/XXXX. 
In meantime - I had paid XXXX credit card monthly payments + XXXX XXXX ( new vehicle plates ) + XXXX ( prescription co-pay ) + grocery store + vehicle gas = total XXXX charges on my bank account= total {$330.00}. I left on veterans ' related business to XXXX ; before I realized Chase Auto Dept " ERROR '' - all XXXX charges I made were returned - NSF as Chase direct payment was processed prior to my XXXX legitimate charges. 
Through multiple phone calls, bank visits - finally Chase returned 'most ' of excess payment - yet it took couple weeks as funds were removed 'electronic ' and returned ' paper check via USPS [ {$350.00} removed & {$340.00} returned ]. After weeks of multiple phone calls later - Chase did cover portion of my bank NSF fees [ XXXX x {$32.00} = {$320.00} ] Chase covered {$190.00} on later draft sent USPS. They closed the case without finish covering balance of charges incurred by their " bank error ''. Most all credit card companies also charged " past due fees '' & " over-limit fees '' that compounded the snow-ball effect - when my payment to them were declined due to funds taken be Chase Auto. XXXX XXXX turned their NSF over to XXXX-Atty general office - collections dept with additional penalty. I yet to address XXXX NSF payment w/fees incurred. 
The last I talked to personnel @ Chase - office of the president - I was advised to " try to seek donation for our XXXX non profit veterans assistance " VETERANS FIRST ''. 
Efforts to contact proper department made with no success of Chase XXXX. 
Meanwhile - my credit reporting agencies have received notification ( s ) from my credit card creditors of NSF & past due. This lowered my XXXX scores from XXXX range to below XXXX made attempts to recover from Chase Bank Auto Division `` ERROR '' - yet, the resulting actions created problem that has gotten worse with the XXXX reporting agencies - XXXX +XXXX + XXXX XXXX XXXX Therefore - actions of Chase has caused great financial hardship compounded by emotional stress. 
I look toward CFPB for assistance - thank you for your consideration.
XXXX XXXX sent a Notice of Servicing Transfer, effective XXXX XXXX, XXXX my loan would be serviced by SunTrust Mortgage , Inc . 
XXXX/XXXX/XXXX I called SunTrust and was told they had no information on me, my SSN or address. I was advised that I would receive a letter in the next few days from SunTrust. 
XXXX/XXXX/XXXX I called SunTrust and spoke with XXXX a Customer Service Rep. She was able to provide me with my new loan number and advised me that for a period of 60 days from XXXX/XXXX/XXXX no payment was due and the no late fees would accrue. Still no written documentation from SunTrust. I want SunTrust to provide the proper documentation as required by Federal Regulations.
This happen on XX/XX/XXXX My Card Was Mail To A New Address And Someone Close Out My Old Card And On XX/XX/XXXX Someone Use My Card I called the company and said I can not get my money off my card and they just told me someone had used my card and I cant get my money back but they dd send me a new card
Hello, I am a XXXX resident who has multiple XXXX and XXXX student loans with Navient ( formerly with XXXX XXXX ). I have been making extra payments on these loans, in hopes of paying them off early so that I can save more for retirement. In order to pay down my balances as quickly as possible, I have been paying off the loans with the highest interest rates first. 

Navient has been misapplying my payments. Each time that I begin making extra payments on XXXX loan, they do apply the extra payment to that loan. But then they advance the due date for the loan that I am paying early, and reapply my regular monthly payment across the remaining loans. They do this in spite of the fact that each time I make an extra payment, I select the option for them NOT to advance my due date. This means that I am paying more interest each month. 

When I asked Navient why they were misapplying my payments, they said it was because my loans are in " groups. '' They said they could ungroup the loans, but given my past dealings with them I am concerned there will be consequences to doing this that they are not disclosing. I do not think Navient should be able to use this " grouping '' practice to end-run around the requirement that they fully apply extra payments early. 

I have attached an example. If you look at this payment history, you can see that as soon as I began making extra payments on this loan, Navient stopped deducting my regular payments on the loan. If you look at the statements for other loans in this group ( most of which are at a lower interest rate ), you would see that they 've spread this regular payment across the remaining loans.
PROFESSIONAL FINANCE CO IS REPORTING A DEBT ON MY CREDIT REPORT THAT WAS PAID TO THE ORIGINAL CREDITOR. THEY HAVE NO REASON TO REPORT THE DEBT SINCE IT IS NOT OWED TO THEM.
I check my credit score daily and noticed it dropped 73+points overnight and showed the derogatory mark stating collections  from waypoint resource group penned XX/XX/2018 ( 1month ) {$750.00} from XXXX XXXX XXXX . To my knowledge I havent ordered or started anything knew in XXXX and also never received any mail email messages stating that I owed this. My bill online states {$0.00} amount owed and my business account shows my payments are auto drafted monthly. I do not understand what is going on with this.
I have not been able to obtain my credit report online from transunion. When I origonally applied on annualcreditreport.com I obtained reports for XXXX and XXXX, but transunion said that the report was not available online. It said that I would receive the report through the mail. Transunion sent me a letter issued on XXXX/XXXX/2015 that stated that my credit report was not available due to " Disclosure Request - Proof of Current Mailing Address ''. I tried to speak to someone today, XXXX/XXXX/2015. It took me over three hours to maneuver their system until I could speak to a representative that spoke English as a first languge. Once I spoke to that person my issue was explained and resolved in less than ten minutes. I have no particular issue with foreign call centers in general, but the language barrier was the main reason I was frustrated in my attempts to make a simple transaction in a timely manner. I spoke to no less than XXXX different associates, and was channeled to at least XXXX different numbers before resolving my issue. This is absolutely unacceptable. The Consumer finance protection acency was created precisely to deal with these kind of issues. I would have a hard time believing that these barriers do n't exist with the purpose of creating frustration for consumers. Several times during my ordeal I was offered financial products. I 'm sure that many individuals agree to purchase these produts rather than continue in the endless series of loops and hoops designed to wear you down.
Never and I mean never use XXXX Payments contractors, we are a contractor and got XXXX big time. Bogus chargeback dispute started by American Express and sent to XXXX Payments our card processor soon to be exprocessor and defendant in a lawsuit along with American Express. Amex started a bogus dispute making it look like our customer did it after our customer used his prepaid Amex cars to pay us for work we did. Amex tried to call the customer since it thinks everyone is a criminal so they could verify the charge of {$770.00} he paid us with, but when they did n't reach him after calling what looks like once and they did n't even leave a voicemail and then they tried calling us but also did n't leave a voicemail, Amex 's employee just opened a bogus dispute and put in reason as work not completed to customers satisfaction or not completed at all. Which is a completely made up lie by Amex. Our customer three way called us and Amex where Amex said what dispute we do n't show anything and said they would as a precaution send an email up to their chargeback department telling them the customer called in and said pay that charge and nothing is in dispute and that he did n't dispute anything about that charge ever. Still Amex or XXXX Payments pulled all the money out of our business Checking and over drew the acct forcing me to have to scrap money out of thin air to put our business acct back in the green. On top of that Amex slandered our business by making up the bogus dispute by putting reason as work not done or not completed to customers satisfaction. Our customer proved to us that he never even called them by the XXXX way call we listened in on with him after he had called them once before earlier that morning. We are taking legal action against XXXX Payments for refusing to even investigate the fraud by Amex we reported to them about this bogus dispute they opened and suing Amex for making up the fake dispute in the first place. Our relationship with our customer is damaged by these actions, our bank acct history and banking relationship with our bank has been damaged and we spent many hours on phone calls and emails and filing out the chargeback paperwork that XXXX Payments demands be filled out to get our money back with in a week and a half during XXXX week. Time that should have been spent enjoying the holiday with family that is visiting was instead spent scrambling to move money around to cover our over drawn acct at our bank and on the phone and on emails and getting the run around by XXXX Payments and Amex. These companies pitch so much about consumer fraud and threaten you about the risk of being hacked and keeping customer card numbers or personal info, yet when you report fraud by one of their own they refuse to lift a finger, just shows you what you really mean to them as a merchant. Both American Express who made up the fake dispute like our customer had done it and our actual credit card processor XXXX Payments out of XXXX, California who refused to investigate the fraud American Express purpotrated on Less Stress Contracting should be fined and sanctioned and fined for their inaction and any violations of the law.
On XXXX XXXX, XXXX I deposited a check into my Bank Of America checking account from my ex husband XXXX XXXX for {$2500.00}. It was for court ordered alimony & child support payment for XXXX due on XXXX/XXXX/XXXX ( it 's dated XXXX/XXXX/XXXX idk why ). The check is written out on a Bank of America checking account. It cleared and no problem. XXXX XXXX XXXX I received a call that a check I wrote to my accountant had bounced. After further investigation I found that XXXX had put a stop payment on the check and they deducted from my account 45 days later. I 'm questioning the legality of this action. There must be some kind or rules as to limitations of stop payments can be made. I encountered not only embarrassment from this action but bank & other associated fees due to this action. I want to know if this is legal or not? I have filed a complaint with the bank with no success or answer to my question.
According to the company we owe this amount of XXXX. However, we left the premises voluntary. We used the security to hold us for the last months rent. So therefore, this information is incorrect as a whole.
i have " bill '' for a stay in jail a noncontractual {$390.00} that due process not done by goverment agency is reported to transunion as a nonpayment of a contractual debt ( collections ). this item was removed XXXX of XXXX and was returned XXXX XXXX. this " bill '' is uncollectable as to Michigan Court ruling reguarding exempting Social Security Benafits from state court juristiction because of this the " creditor '' is using collection agency to black mail me into paying a debt they are not entiled to.
I have disputed the inaccurate account XXXX XXXX ( XXXX ) collecting for ( XXXX ) in the amount of {$1000.00} on three different occasions to all three credit bureaus. The credit bureaus are not properly investigating or taking my disputes seriously. I am entitled to a fair, accurate and substantiated credit report. This XXXX continuous reporting this account and has not provided the credit bureaus or myself any substantiated or verifiable information that this has ever been my account. This is not my account and has never been my account.
I contacted XXXX, spoke with XXXX XXXX ( Special Handling Supervisor ) to dispute the three US Bankruptcy items on my credit report. I asked XXXX to verify and validate where he received his information about the US Bankruptcy files. XXXX stated, " we verified this information straight from the US Bankruptcy courts. I then asked if he could send me a letter validating the information in regards to the US Bankruptcy items on my credit report. XXXX  stated, : I would need a subpoena to validate that information. I then advised XXXX, that I contacted the courts whom stated they do not give out any information pertaining to any bankruptcy cases. I then asked to speak with his supervisor. I spoke with XXXX XXXX  whom stated, " they verified this information with a third party vendor and then turned around an stated that they verified this information straight from the courts. I submitted XXXX letter asking for this information to be validated and a letter sent out.
This complaint is against Western Union Money transfer servicesI initiated a transfer on XXXX XXXX 2015 for the amount of {$180.00} to be collected at an agent location in XXXX. XXXX # XXXX. 
After waiting 2 weeks without the receiver getting the money I called WU on Fri XXXX XXXX XXXX was told that there was a system issue with Western Union and the transfer would be escalated. I was told to wait for 24 to 48 hrs to receive a confirmation and was assured that the supervisor would call me back within this time frame with any updates. 
I did not get any form of confirmation or communication from Western Union. 
I called back again on Sunday XXXX 2015 and spoke to supervisor whose first name was XXXX and operator number XXXX. She again claimed that she will escalate the issue and call me back with a resolution. I also requested the transaction to be cancelled during this phone call which she assured will happen. 
Again I receive no communication. 
Called back for the third time on XXXX XXXX 2015, was repeated the same scripted dialogue. I have not yet received any updates from Western Union regarding my transaction. 
Prior to my first phone call I was never informed of any issues and the " transfer tracker '' on the website still shows the transaction on progress. 
I would like to cancel the transaction and receive my money back at the earliest.
I summit modification loan documents they told me I had 30 day when I talk to them on the phone now bay view loan said is to late I send them all my paper whit the peal letter I need to know they are going to my house for sale not fair please help me my English is not to good