WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX acquired my VA home loan from XXXX sometime in 2017. Due to their flawed business practices and poor accounting, they failed to reconcile my home insurance information and proper property address from XXXX. Consequently, they took out an unauthorized and unnecessary insurance policy on my home which already had insurance through XXXX. 

XXXX sent the insurance policy by fax numerous times, their automated fax system failed to reconcile my insurance policy as well. I eventually provided the insurance policy from XXXX through an online portal on the XXXX XXXX website, but they already had the policy open for at least a month, resulting in at charge to my account of over {$170.00}. 

XXXX XXXX and their collection company XXXX ( XXXX XXXX XXXX ) have been harassing me by phone and mail to pay this additional amount and I refuse, because the policy was unnecessary and I never authorized it. It's their policy, and they should pay for it. I shouldn't be punished because they have flawed business practices and poor account management. I never authorized them to purchase my loan from XXXX and I wish they never had as it's an incompetent company. 

Please step in and protect me as XXXX XXXX has been unwilling to pay for the mistakes they made and I shouldn't have to pay my hard earned money to a crooked company.
NATIONAL CREDIT MANAGEMENT has placed an additional report on my credit when it was previously made clear we would be working with the XXXX University XXXX XXXX XXXX on resolving this matter directly. 

Please check reference to Consumer Complaint No. XXXX Details with Missouri Attorney General Sent email to XXXX XXXX to advise of concern about account and attempts to find resolution again, given the circumstances, as of XX/XX/2019 Will not be paying two separate debt collection efforts.
Opened : XX/XX/XXXX ( 4 mos ) Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX Amount owed : {$710.00} and another opened with {$750.00} Opened XX/XX/XXXX ( 4 mos ) and the last time I went to XXXX XXXX XXXX XXXX was in XXXX or XXXX, I left this area since XXXX. 

How come it's open then XXXX? I have no idea what this debt is about. If it was for my kids whom had insurance by that time, it should not be under my name or in my credit report. And guess what we might resolve this in court because those emergency rooms always fail to charge the insurance companies which my kids have XXXX and now adding all this amount on my credit report. I'll give you 30 days to remove this from my report because it is proven that all my kids have insurance since day one and never cancelled. And in fact even so, should not be under my reports.
I did transaction of 1500 $ with XXXX. The amount deposited was less than the promised amount. The conversion rate used was less than what it was shown on the final transaction conversion page. They never sent email saying how much amount in XXXX will b deposited and looks like they take advantage of this. Contacted customer care and still waiting for resolution. They said it will b resolved. Will update. Its nearly a month and they keep giving unnecessary reasons. I did transaction on XXXX XXXX. The conversion rate shown was XXXX and it was displayed after the transaction was submitted from my end for which I have a copy.
I have disputed several medical collections with Optimum Outcomes that are on my credit reports and they have remained on my credit reports with all XXXX bureaus. They have not been verified.
The home was in the mothers name who purchased the home for her daughter. The daughter has lived there 20 plus years. Her father passed away first and then her mother passed away. The home was willed to the daughter ; however, the daughter went into a XXXX. Long story short she has recovered and regained employment and is well able to afford the mortgage. The loan is in the mothers name only and for almost a year the daughter tried to get them to acknowledge her and deal with her in regards to the mortgage. She finally got help through a non-profit and was in the middle of assuming the loan. We began the process on XXXX XXXX, they asked for credit authorization on XXXX XXXX, which was uploaded through XXXX on XXXX XXXX. It went back under active review on XXXX XXXX and today, XXXX XXXX the file is still under review ; however, they proceeded to foreclosing on the home today.
Please delete any negative items including late payments reported on the accounts mentioned here and other accounts which were unverified, inaccurate and false asap, namely XXXX XXXX XXXX XXXX
XXXX XXXX contacted me after I had my attorney deal with XXXX Client Capital One. There was an out of court settlement and the matter is confidential. Regardless there should have never been any form of communciation between XXXX XXXX or and any third party agency representing Capital One Bank. They ( Capital One XXXX XXXX was offered a ciece and desist during the confidential communications between my lawyer the collection agency client. The letter should have never been mailed. The debt should have never been sent to XXXX XXXX. I believe that this is a form of severe harassment as outlined in XXXX XXXX XXXX Fair Debt, Collections Practices Act. As XXXX has failed to respond to many written correspondence. I am informing your office amounf others and my acting attorney at the time for possible litigation against Capital One Bank and XXXX and XXXX XXXX. I am offering the company XXXX XXXX an out of court settlement of {$5000.00} make payable to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX within the next 30 days.
In a recent review of my credit report, XX/XX/XXXX I noticed the addition of a company called XXXX XXXX. I received no form of communication such as a phone call, a letter, or the like. In my attempt to contact the company, the unnamed representative, curtly stated to me : 'We purchased the debt from Lendmark Financial in your name and social and they state you owe a balance of {$1100.00}. ' I quickly asked where was the communication to substantiate said debt? She alleged that a letter was sent to the address that Lendmark provided to them and by law that is all that ( we ) are required to do. She further stated that she had been a debt collector for more than ( 20 ) years and she knew the laws. If in fact a letter was sent, it would have been returned. From XX/XX/XXXX to XX/XX/XXXX, I was XXXX. I had no fixed address and was essentially living on the streets, in a car, or a hotel when funds were available. My decent into XXXX  stemmed from a job loss. Presently, I am attempting to restore my credit ; but when companies such as this impede my rights to challenge any debt prior to reporting, it becomes extremely difficult.
I checked my bank account at XXXX on Thursday XXXX XXXX, XXXX, all was clear. 

At XXXX I received a text from XXXX asking if I made a {$630.00} transaction to a website in XXXX XXXX XXXX I received a call from XXXX XXXX. 

First I was told my card was blocked for confirmed fraud. Then I was asked to make an international call to a suspect XXXX Website to dispute the charges. 

I was then told that I have to wait until at least Monday but maybe 10 days for my money to be returned. I do n't understand why this transaction was allowed to go through on my bank account? 

This nearly wipe my account clean. It 's not fair, it should been flagged as suspicious before authorizing it. Calling me after the fact after placing a $ XXXX hold on my account, when they knew it was fraud, leaves me in a real lurch. 

Now I 'm on the hook for this until they decide to return my money. I ca n't even formely dispute this until it clear my account the next day. 

I 'm the victim of identity theft.
I had XXXX XXXX credit card accounts and one " XXXX '' (??! ) account on my credit report which were NOT MINE. I was shocked. i notified the bureaus of this error ( see letter attached ). They were somewhat helpful, removing XXXX of the XXXX accounts -- but not the other. I was totally bewildered. Neither account is mine. I do n't know how they became attached to me! Anyway, I was then instructed to contact the " data furnishers '' about the error ( see letter attached ). They were even less helpful. They did nothing to help. I then notified Equifax of my intent to file a complaint. i am following through with this notification.
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experian or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place. Thank you for taking time to read my complaint.
I have filed a complaint against Wells Fargo home mortgage and I got a call from a person and when I told him I was XXXX and wanted to keep my home he laughed. The the was forces end on and I had been making the payments with the life insurance money when my husband passed away. I want to recover the money Wells Fargo took from me. The home was only in my husbands name. Why did they take the money and not tell me no the home is not in your name we wo n't take the money. Its discrimination cause I 'm XXXX and that person laughed at me. 
I have already submitted a compliment.
On XX/XX/XXXX, Chase Bank notified me by mail that the Bank will close my credit card ending XXXX on XX/XX/XXXX for the reason " continuing the relationship creates possible reputational risk to the company ''. This is puzzling to me as the account is in good standing, furthermore, my credit score is over 800, and my credit report shows no derogatory records of any kind. Calling the number they provided gave me no further information. I have attached here the letter I sent to Chase on XX/XX/XXXX. Chase had also denied my credit card application in XX/XX/XXXX. I had also opened a Chase checking and a separate savings account on XX/XX/XXXX with total deposit of {$450000.00}. After 2 weeks they froze the account and gave back my money. I have attached here the 2 inquiry letters I sent to Chase ( dated XX/XX/XXXX and XX/XX/XXXX ) and Chase 's response on XX/XX/XXXX which stated " previous unsatisfactory relationship with the bank ''. The problem is I have never had any problem with Chase or any other bank. AT this moment I still have 2 Chase Cards. Chase simply would not tell me what the problem is. I would like a chance to find out and address any problems, be it a misunderstanding or mistaken identity. I would really like to find out and address the problem.
XXXX XXXX XXXX XXXX failed to electronically verify required insurance through XXXX XXXX XXXX. XXXX XXXX force placed insurance raising the monthly payment. Since payments are made in-person in XXXX XXXX retail branches account holders were never made aware. We were never asked to update contact information. Payments made for expected amount failed to meet new amount after insurance was placed so payments were considered late even though $ XXXX was applied to principal on time each month. When trying to clear up or rectify the situation with account manager at XXXX ( XXXX ext. XXXX ) he wxplained to me that the error would take 3-5 business days to clear itself in the system. The system may or may not report the accurate information and if not it was my responsibitlity to file a dispute with the credit agencies. I 'm not sure why it would me my responsibility when this clearly was a XXXX XXXX error all along. They also told me the automobile was not insured when in fact it was causing me to pay premium through another insurer costing me more money then they had attempted to charge for late fee 's and force placed insurance ... Had to contact XXXX XXXX plus times to resolve. Asked for information to be faxed and never recieved or illegible. Asked for pay of as of XXXX/XXXX/15 and they were unable to give me an exact amount. I would like to be done with this company. Very poorly handled sitution on their part due to their error.
I contacted XXXX/resurgent To pay the XXXX that I owe for a XXXX account. I asked that if I would be able to have a pay to delete done and I was told no they would accept payment but this would still show negativity and would not remove from my credit. I just want to pay this have it completely removed from my credit and move on with my life
I logged into my AES Success account, where my student loan is held, on approximately XX/XX/17 and noticed that my interest rate had gone up. I am on a variable rate plan but the company did not notify me of this rate change as they have in the past and I have no idea what my new payment amount is going to be, which is due to be automatically withdrawn from my account in three days ( XX/XX/17 ). I contacted the company to ask for a notification of the new payment terms and twice received the response that my rate is subject to change with the market rate quarterly, but still have no documentation of my repayment terms with my new payment amount. Under my loan payment details I can find a monthly payment amount for XXXX of the XXXX loans, which appears to be the same as my previous monthly payment amount, and the other XXXX has dashes where that amount should be. I sent a third request today, XX/XX/17, asking for details of my new repayment terms and new monthly payment amount and am awaiting the response, which is first come first serve so it could take days. I would like to be notified in advance the next time my repayment terms change as I just happened to notice the new interest rate after signing into my account, without any notification from the company.
Equifax is reporting an item from XXXX XXXX with a close date of XX/XX/1995. This is more than 7 years ago and needs to be removed.
In light of the XXXX data breach, I have made attempts at all three credit reporting bureaus and their services have been unable to process my request after several attempts over the past XXXX days ( XXXX ). This is likely due to the volume of requests.
In XX/XX/2016 there a payment was made on time and return by the bank few weeks later. The payment was return during the next billing cycle. The payment was replaced but the company reported a 60day late in error and as an accounting error. I have never been reported late in 5years. The company acknowledged this error but the late has not been removed/corrected on my report.
COMPANY SENT DEMAND NOTICE ACCOUNT OUTDATED / CLOSED OVER 11YRS AGO AND FRAUD AFFIDAVIT FILED WITH ORIGINAL CREDITOR ON ABOT XXXX/2007 ... COMPANY CONTINUE VIOLATES FCRA, FCBA, FDCPA ( 1692g ), STATE STATUE OF LIMITATION EXPIRED ; 5YRS TO COLLECT WITH IN THE STATE OF GEORGIA.. NOT MY ACCOUNT/ NEVER DONE BUSINESS WITH SAID CREDITOR ... /NOTE : FORMAL COMPLIANT FILED WITH " BBB '' AND POLICE REPORT
I opened an account with wells fargo to buy furniture for my daughter. she was to make the payments. she accidently made a double payment on XX/XX/XXXX and XX/XX/XXXX. i called on XX/XX/XXXX and spoke to a XXXX , who told me the extra payment would be credited back to my daughters account on XX/XX/XXXX. today is XX/XX/XXXX, still no credit. I called today XX/XX/XXXX and talked to XXXX and XXXX and was told it could take up to 10 business days to refund that money ... that's not what i was told by XXXX..wells fargo has been caught in shady business dealings recently and i'm afraid this might be another. my daugher isn't even sure she made a double payment by accident..just saw the money missing from her account..i told them i was contacting the ftc who referred me to this site.
please help me consumer financial protection bureau, it is now 3 years asking Chase home finance to help me avoid foreclosure and all they keep doing is playing games with my home. the last application submitted for a short sale was at the beginning of the year and it took them 8 months for them to review my application and tell me that I was denied for a short sale because they can not verify my identity. I asked chase what information they are requesting from me to verify my identity, they never call me back to tell me whats needed. now they have placed a foreclosure sale date on my home and I am very scared and I do n't want to loose my home. please help me.
I entered into a trial modification agreement with XXXX XXXX and accepted the 3 monthly payment option from them. The initial payments were due XXXX XXXX, 2017, XXXX XXXX, 2017 and XXXX XXXX, 2017. Although I have made all of the initial payments timely and before the due and ahead of the schedule, these payments are not reflected on any of my credit reports with Equifax, XXXX or XXXX. These payments have not been applied to my account properly and for referenced due dates as listed above. The payments are in a suspended status. This negative action taken by XXXX is negatively affecting my credit score and potentially keeping my score from being higher.
CITI Mortgage has sent me Modification Documents for a Mortgage that I do n't want to sign at this time until my previous requests have been forwarded to XXXX and XXXX. 

This has been an ongoing challenge that I have had with CITI Mortgage since XX/XX/XXXX when offered a Trial Modification. I have most recently met the terms of 90 day Trial Modification with them and have requested that I be afforded a Modification that is currently ( was in XXXX XXXX before CITI once again foreclosed on my mortgage ) XXXX offered me which would forgive the unpaid interest and penalties. 

The communication inter-departmentally appears to be challenged. Most recently XX/XX/XXXX, I was contacted by my attorney XXXX XXXX XXXX stating that CITI Foreclosure Attorney firm, XXXX XXXX XXXX wanted to know if I was going to go along with the Trial Modification program offered by CITI. I informed XXXX XXXX XXXX that indeed I had already met the terms of repayment under the Trial Modification period as of XXXX XXXX, XXXX and apparantly CITI has not communicated this to their counsel. Most recently ( see attached documents ) I received duplicate documents from Citi 's Support specialist dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX offering more assistance to me regarding my request to Citi. I also received correspondence from a XXXX XXXX from Citi asking me to sign final modification documents. 

I believe my attached documents and emails will support my continued frustration with CITI and the handling of my modification request. I would really appreciate it if the CFPB would forward this complaint with ALL supporting documents from me and what ever CITI mortgage servicing has to both XXXX and their credit counseling representative, XXXX. 

Respectfully, XXXX XXXX XXXX Cc : XXXX XXXX XXXX, XXXX
DIVERSIFED CONSULTANTS A COLLECTION COMPANY THAT CONTACTING ME ABOUT A DEBT THATS NOT MINE FUTHER MORE THEY HAVE NOT VERFIFED THIS DEBT AS MINE IS THIS LEGAL? THANKS
I have an unauthorized Walmart credit card account in my name.The account was put in my name a little after i was the age to have a credit card. I 've attempted to dispute it since i knew what credit was. It is an account with GE money bank.
Hello, On the XXXX PayPal XXXX has permanently closed my account without any prior notice. On the same day I contacted PayPal to acquire any basic information about the situation and the agent told me they can not provide any information and that there is nothing I can do about it. Also I have received a written response from XXXX XXXX XXXX XXXX XXXX PayPal XXXX that reaffirms that they are suspending my account without reason or explanation. 
I have been a member of PayPal the since XXXX and using it for trading on XXXX. Until today I have XXXX cases opened by buyer against me in PayPal. I am a top-rated seller on XXXX with more than XXXX transactions, all validated by tracking number, more than XXXX positive feedback and XXXX negative. 
Many of my customers have contacted PayPal, on my behalf, to validate their satisfaction on my services. 
PayPal has violated its own terms of service, by closing my excellent performance selling account without any explanation. 
I need my PayPal reinstated, to continue my excellent trading activity.
I'm not enrolled in overdraft protection, and never been to avoid been charged extra fees as I'm a single mother and only income in my home. I've being dealing with wells Fargo for a long time and unfortunately there is never a definite solution other than returning the fees collected and only if I complain about it. This last month the bank charged me XXXX in overdraft fees and they are refusing to return that money. Instead of declining transactions as it should be when funds are not available they keep approving them in order to collect fees without my consent.
There is a lot I do n't understand on how Planet Home Lending is using my escrow account. I was expecting to have a lower mortgage payment but for some reason it goes up with some number that do not much my calculations.
The credit reporting company, Equifax, discovered they had had a serious data breach involving the compromise of thousands and thousands of their customers data in XXXX of this year. 

They recently made the public aware of this breach. Customers make check the companies web site to see if their personal data was involved, however, to do so automatically means you give up your right to sue the company and are forced into arbitration if you incur damages from the breach of your data. This seems totally unfair to the consumers! Especially since it is believed the reason for the breach in the first place was that the security purchased by Equifax to secure its data was insufficient, although sufficient security was available. Apparently, it was a company budgeting decision not to get the sufficient security. 

Additionally, it appears that between Equifax knowing of the breach in XXXX, and the general notice to the public just recently, many executives of the company sold their stock..
This company keeps calling my cell phone even after I informed them via their automated recording that I do not give them consent to call my cell phone per my rights under the TCPA. Not only have they violated my rights, they are also harassing me even though I have been making payments each and every month since 2014 and have not missed a payment.
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX.
I was contacted by XXXX XXXX some time back concerning a debt owed to XXXX. I instructed them that I had received class action paperwork as they had no right to collect on me as they are in a class action lawsuit. I have paid them a total of about {$1700.00}, paid consistently on a monthly basis. I am a member of the class action. XXXX is famous for illegal collection practices. The FTC will verify this as well. I am requesting they return my money, cease collection efforts per the XXXX XXXX XXXX, and FTC. Thank you so much
There is a Judgement that I have been disputing for the past two years. It was placed on all XXXX Credit Reporting Agencies and they state that they have investigated and it is mine. A judgement that is for a XXXX XXXX for {$2500.00} with a listed address of : XXXX XXXX XXXX XXXX, NJ XXXX. I have been trying to get this address off of my report since they put this on stating the facts that I have never ever ever lived there.
1. Ex perian reuses to give me written explanation as to WHY what was exact reason EXPERIA REMOVED  XXXX   XXXX  from my report. It appears to me that every complain I make Experian intestinally causes me more harm. I will consider this a willful act to cause me harm. I am seeking legal advice.   XXXX  Please post this and forward to FTC.