WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a Chase private student loan back in XXXX for {$10000.00}. After graduating a started paying for the loan and my payments were very flexible. At the moment, I could n't afford making higher payments so I was only paying around {$70.00} a month. Years later, I received notification from Chase saying that they were no longer going to service that loan, and that all student loans would be transferred to XXXX XXXX, and I had to make payments directly with them. It did n't mention when the transfer was going to happen, but they were just informing me about the future changes. I continue making my payments as normal through Chase website. I went through a hardship in XXXX of XXXX and was not able to make that month 's payment but I was ready to submit my 2 month payment in XXXX of XXXX when I realized Chase online payment system was no longer working - I logged in to my account at XXXX Success to see if the loans where already there and still did not see the loan in there. There was no option for me to submit my payment. I called Chase Private loans and they mentioned the transfer had happened and that they no longer serviced those loans, to please contact XXXX. I contacted XXXX and they told me the transfer of loans was currently happening and it would take a while to reflect in the new website. 
Days passed and got a letter from Chase telling me that I was in default of that specific loan, and provided a number for me to contact them and settle the situation. I called the number, gave them the account number, and they said they had no information at all about a defaulted loan, and advised me to contact XXXX to get more information. I called XXXX and got the same answer, there was no information on any defaulted loans. In XXXX of XXXX I got another letter in the mail from a different company name telling me they where going to take action against me. I called the number and they finally got my information on the defaulted loan and made me setup a 6 month payment plan of {$200.00} a month to cover the defaulted loan. Today, every 6 months I have to setup a new ACH with them to collect $ 200 monthly. 
I just found out about this agency and decided to contact you because I believe it was not my fault. I did miss one payment which I was ready to cover the following month, but because of their transfer of loans I was n't able to. Chase and XXXX did n't provide me any information about the defaulted loan until this other company contacted me threatening me to take action against me. Today, Im stuck paying a {$200.00} a month payment until the XXXX balance is covered. I will pay them everything back, but I wish to get my payments lowered as to what they were before this happened.
In mid-XX/XX/XXXX, I opened a XXXX  Checking account with HSBC with an initial deposit of {$1500.00}. Two months later, I received the letter I've attached dated XX/XX/XXXX. They used vaguely threatening language to convey to me the notion that if I didn't provide them with unspecified additional information, my account might be closed. They provided a toll-free number to call.

On numerous occasions since then, I have tried without success to reach them. There have been hold times up to 30 minutes without an answer ; their system offered to let me leave a call-back number but I was disconnected ( twice ) upon selecting that option ; twice, I selected that option and was told the mailbox was full ; and twice I was able to leave a message including my call-back number, but I've heard nothing. I've tried other HSBC customer service numbers, but I was told I needed to call the specific number on the letter. I've tried their Chat feature on their website but was told I needed to call the specific number on the letter.

In short, I have gone to extraordinary lengths to try to comply with their request, but I've been thwarted at every step. I'm through trying. I'm seeking your help in punching through their barrier to contact them.
I went to a Speedy Cash in 2011 and defaulted on partial loan Speedy Cash sold the debt to a add company called ad XXXX XXXX XXXX phone number XXXX XXXX have been trying to dispute it and remove it from my credit score due to length of time and they refused to remove has the debt has been paid by said company I feel it should be removed
My automobile was in an accident and was considered a total loss. Subsequent to the accident I was told I had the financial that they had been in touch with the insurance company in full payment would be issued the Honda financial. Apparently the process took longer than initially thought and there were several payments not made on the automobile. I had since called Honda and paid all the funds that were due and they had promised that they would contact the credit bureaus and have my account marked as paid in full and paid satisfactorily on time.
I am submitted several disputes to XXXX, XXXX  and XXXX   and they all come back as verified. I just submitted a dispute with each of them in XXXX and again in XX/XX/XXXX and the same results. I also email each of the companies and on report and XXXX XXXX back sent a packet that included billing statements. The issue of inaccuracies was never address.
I applied for a student loan with XXXX XXXX in XX/XX/2006, which was only supposed to be a 5 year loan. The length of the loan has doubled, because they continuously sell the loans to new institutions, causing it to restart. Currently the loan is now with Navient, and for some reason they have managed to divide my loans into several mini loans, which I assume results in me paying extra in interest. Also, my primary issue with this institution is the fact that they have reported my 30 day late payment which was caused by them, as a 60 day late payment. Last year, my loan was with XXXX, and I had my account setup in a manner in which the payment due would be automatically drafted from my account. I then received a letter stating that my loan was being sold to Navient. However, I did n't realize that the auto drafting of my account would no longer be in place. I received a call from a Rep, stating that my account had a 30 day past due balance, a well as a current balance. As a result, I explained the situation and immediately provided payment to the Rep to take care of the past due amount.I also made arrangements to draft the remainder. Instead of applying the first payment to the past due amount, they applied it to the amount that was currently due, and never drafted my account for the remaining balance. As a result of this, I had a 60 day past due balance, which they reported on my credit report, which absolutely does n't make sense to me. I 've spoken to them and even had the call escalated, but they refuse to make adjustments despite them clearly making a mistake.
On  XXXX / XXXX /  XXXX   or  XXXX / XXXX /  XXXX  , I deposited a check for {$190.00} into my Bank of America checking account via my phone. I knew I had a billpay check for {$130.00} going to a creditor that was scheduled to be  paid on   XXXX  
 BofA said the {$190.00} check would be good to cover items that posted on  XXXX / XXXX /  XXXX  . I assumed this would pay for the {$130.00} payment.     I carefully monitor this account. All day on  XXXX / XXXX /  XXXX  , there was never any overdraft notice. All day on  XXXX / XXXX /  XXXX  , there was no overdraft charge. But, when I returned home from work after  XXXX , in the morning of  XXXX / XXXX /  XXXX  , there was a backdated overdraft notice and charge for {$35.00} on  XXXX / XXXX /  XXXX   for the {$130.00}.     This seems grossly unfair.  1. I had money in the bank to cover the charge. 2.  The bill was not scheduled to be paid until  XXXX / XXXX /  XXXX  , when my check would have posted.  3.  I was never notified that a payment had posted on  XXXX / XXXX /  XXXX  , even though I have every type of alert possible set up for this account, and I monitor my account closely. Had I known that the bill payment had posted on  XXXX / XXXX /  XXXX  , I would have immediately withdrawn funds from another bank and covered the payment.     I have asked for a refund of the overdraft charge, bu t BofA  refuses to give it to me. They claim that I should have known that the bank might pay my bills early and not tell me about it!     I do n't think it should be legal for banks to backdate items when backdating causes the consumer to be charged fees. Seems like a sneaky tactic designed to enrich banks. In addition, it should be required that banks notify customers immediately whenever they are overdrawn so that they can put money into the account to cover the overdraft without incurring a fee.
Please see my complaint # XXXX - I had written regarding the inequity in the counter offer on my short sale. The lender ( Shellpoint ) had two valuations that show the property worth {$37000.00} in XX/XX/XXXX and {$38000.00} in XX/XX/XXXX. They countered at {$80000.00} which makes no sense. 

In their response which the CFPB shut down, they claim they have a valuation on my property of {$160000.00}. That valuation is outdated and was done in XX/XX/XXXX this year by someone who drove by and never even got out of her car to value the property. 

Shellpoint did n't even address the fact that there were more recent valuations on hand. Since when do you utilize an outdated value to determine loss mitigation options. 

I 'm not only disappointed now with Shellpoint, I 'm disappointed with the CFPB for not ever reviewing the information I submitted with the two valuations nor reviewing Shellpoints response.
Hi, On XX/XX/2018, I initiated a transfer through XXXX online in the amount of {$2700.00} ( {$2600.00} + XXXX fees ) to XXXX XXXX in XXXX, Canada through electronic payment from my bank account. On XX/XX/2018 ( next day ), XXXX notified me that transfer could not go through for security reasons and transaction would be cancelled. An email confirmation of cancellation was dated XX/XX/2018 was sent by XXXX. Since the funds were not deducted yet on my bank account, and to avoid having the money deducted from my account erroneously, and waiting for a refund to take place later, I placed stop payment orders with my bank for XXXX On XX/XX/2018, I received a notification from my bank that they stopped the payment on XX/XX/2018, which I assume was a late processing by XXXX website. On XX/XX/2018 I received a debt collection notice by mail from XXXX XXXX   XXXX XXXX XXXX notifying me that I still owe this transfer amount to XXXX. I contacted XXXX customer service on XX/XX/2018 and was notified that my transfer was cancelled since XX/XX/2018, and that they never referred me to a debt collection agency since my account is closed already. XXXX advised me to never pay XXXX XXXX XXXX as it is a scam. I believe I am a victim of fraud here by this collection agency, and I am concerned that they might further hurt my credit or chase me to collect this amount.
In XXXX XXXX, we purchased a boat from XXXX n/k/a XXXX Boats in XXXX, XXXX. The boat was financed by CIT Group/Sales Financing, XXXX XXXX, XXXX Our loan was serviced by XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, we received a letter from XXXX XXXX confirming our loan had been paid in full. To date, we have not received the clear title to our boat. I have contacted CIT Group, XXXX XXXX and was told neither now services our loan. In XXXX XXXX, XXXX XXXX was acquired by XXXX XXXX. I now wish to sell the boat ; however, all three entities have told me they do n't know anything about my loan.
I tried to open an account on XXXX in which I needed to sync my bank account with the site. 
I tried and received an error, stating that I should call my bank because they were blocking access. 
I called TD Bank and they said they will not allow me to grant access of my account to any 3rd party. 

I do not understand this as it is my account, which I should be able allow who can view my info.
On XXXX XXXX, 2017 I contacted Equifax and XXXX regarding the Tax Lien that is on my account under Public Records. I requested that the specified companies remove the lien from my account according to the New Tax Lien law effective XXXX XXXX, 2017 that states 2 criteria for removal in which this lien qualifies because 1 ) they did not update with the county every 90 days and 2 ) The complete pertinent information is not listed on my report. Both of these companies stated they were n't aware of the new laws and that I had to file a dispute, and they are stating that they will have to wait for their company to implement such a change first.
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Please note : XXXX was aware of the new law and removed this lien from my report within 24 hours ...
I made a payment online to Plaza Home Mortgage on XXXX/XXXX/16. I received a confirmation number and email that my payment had been made. I few days later I noticed that the funds had not been deducted from my bank account so on XXXX/XXXX/16 I called Plaza Home Mortgage and was told there had been computer problems on XXXX/XXXX/16 and XXXX/XXXX/16.. I was told by the customer service rep that they would take care of the issue, confirm the payment, date it to XXXX/XXXX/16 and there would be no late fee. I watch my account for the next few days and saw it still had not been deducted so I call Plaza Home Mortgage again on XXXX/XXXX/16. Again I was told there were computer issues on XXXX/XXXX/16 and XXXX/XXXX/16 so they will take care of it and make sure the payment is made in the next few days. Again I am assured there will be no late fees and that it will be dated on XXXX/XXXX/16. On XXXX/XXXX/16 I received a credit alert that I am delinquent on my Plaza Home Mortgage account. I called Plaza on XXXX/XXXX/16 and after speaking to XXXX different customer service reps I was told that I needed to write a letter to dispute the delinquency. They then said that the payment I made on XXXX/XXXX/16 had been cancelled which is why the funds were never deducted. I tried to logically argue with the customer service rep that why would I make a payment only to cancel it the next day and then call three times wondering why the payment had not posted. I have a confirmation number from the payment on XXXX/XXXX/16. I have a confirmation email. I have no email confirming that I cancelled the payment. XXXX different customer service reps confirmed there were computer problems on XXXX/XXXX/16 and XXXX/XXXX/16 and that payments were affected. I finally asked the customer service rep to please just take make payment over the phone and she graciously said she would n't charge me an {$11.00} fee for processing my payment over the phone. At this time I am still waiting for a resolution.
On XX/XX/XXXX the following accounts were taking off my credit report XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX all the items were put back on credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I received no such notification. This is very serious violation of the FCRA. These items need to be removed off of my credit reports immediately.
XXXX reinserted information that had been deleted in XXXX 2015. XXXX agreed to remove account yet Transunion continues to report account. Please delete account number XXXX from my credit report immediately as agreed.
In XX/XX/XXXX, I refinanced my mortgage with XXXX for XXXX. On or about the end of XX/XX/XXXX, we fell delinquent on our mortgage. My wife and I applied for assistance with the State of Pennsylvania, our application was approved and XXXX brought our mortgage current. At the time, we signed a note for approximately {$28000.00} ( which I am currently repaying ) and it is my understanding that this brought my mortgage fully current and my balance with XXXX was now {$220000.00}. Within 30 - 60 days of bringing my mortgage current, the loan was sold to Select Portfolio. Soon after Select received my mortgage, my mortgage was current but they contacted me to tell me that it was their policy that my property taxes and homeowners insurance would need to be escrowed. My wife and I were fine for several years, I was not delinquent but I am not sure that an escrow account was established as there was no change in my payment. In XX/XX/XXXX, my daughter passed away. I was on a fixed income and I was responsible for yet another funeral and I decided to contact the mortgage company to see if there was anything I could do to reduce my payment. Over the phone, the specialist was able to reduce my mortgage to {$230.00} from {$1500.00}. That is the amount that we began to pay on or about XX/XX/XXXX. I was under the impression that Select had established an escrow account and this was my payment. My wife died in XX/XX/XXXX, in XX/XX/XXXX, I received a notice that Select Portfolio needed to modify my mortgage because the escrow account was behind XXXX dollars. This was the first I knew that the escrow was behind. The balance of my mortgage went from {$220000.00} to {$250000.00}. They did help me modify the mortgage and my principal and interest payment is now {$330.00} and the escrow was approximately {$400.00} bringing my payment to approximately {$740.00}. I did not understand why my mortgage payment steadily increased though apparently it is the result of my escrow continually increasing. My question is how is my mortgage balance increasing when I am making my payments. In XX/XX/XXXX I received a call from a company called XXXX FL XXXX. According to a gentleman named XXXX, they had evidence my mortgage company Select Portfolio was mishandling my account and that if I could pay a fee of {$1500.00}, I would have the deed to my home free and clear. I was able to pay them {$400.00}, but they could not help me if I did n't pay the rest of the funds. I sent them my statements from both XXXX & SPS for that time period. Is it possible that there is a violation? I have not heard from XXXX since that time. I really just want to understand what has happened and if the balance of my mortgage is correct.
In 1998, opened a Citibank credit card in college. Ever since, they 've charged me a " Credit Shield '' on purchases, which did nothing to my knowledge. When I could n't pay, I was not made aware of any services this " Credit Shield '' provided. Tried multiple times to have service removed. Open several, other Citi cards, never a problem. But in the XXXX decades, it 's cost me thousands of dollars and I want it all back. What a ripoff!
I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX, XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX )
Santander Consumer USA is erroneously reporting a balance owed on a voluntary repossession. They failed to provide proper notice of auction or sale of vehicle and are now reporting an erroneous balance 7 years later of twice what they originally reported on credit bureaus. They failed to follow legal protocol in the sale and notification of collection efforts on account, never notified me, and after previously agreeing to rectify the matter and remove the erroneous debt, they are now reporting it again several years later. There should be a XXXX  balance on the account and no adverse reporting, as the vehicle sold for more than what was owed on loan. Also, the loan was the legal responsibility of co-borrower and should not be reported in my name at all.
I have contacted them by telephone and submitted several times of disputes on credit report exsplain I was a victim of idienty theft before the hard inquiry was removed from my credit report but the collection still remains and the XXXX XXXX is a debt collector agency and has not yet contact me with
Dates that we stayed were XXXX XXXX XXXX. 
XXXX XXXX XXXX in XXXX, Texas. 

I originally booked through XXXX and paid {$490.00} for XXXX XXXX. This charge was ran twice before I even arrived. On the 4th night of our stay I needed to extend for one more night. We decided to downgrade after I have a charge of {$150.00} overnight to stay in the same hotel room. As I was being checked into our new room I had a charge of {$140.00} show up on my bank account from XXXX XXXX. I complained to the GM once again about how the agreed upon rate was {$85.00} plus tax. She apologized and said that the difference would be credited back. The next morning I had a charge of {$140.00} pending on my debit card and {$150.00} pending on my credit card along with {$630.00} pending on my credit card. That is over {$1000.00} of charges FOR ONE NIGHT AT THE XXXX XXXX. 

The GM assured me that I would be credited back or I could dispute the charges with my credit card company. I disputed the charges and called the GM to let her know. Once again, the {$630.00} charge came back out of my credit card account. This erroneous charge has put me over my credit limit this whole time I've been trying to resolve this. I have documentation showing the incorrect charges and documentation showing the manager credited the last night stay for free due to all of the financial troubles and incorrect charges they made. 

THIS IS FRAUDULENT. This hotel is completely incompetent. I have never seen such horrible customer service and I am literally having my money stolen from your hotel. This is absolutely unacceptable and I expect to be fully credited back IMMEDIATELY.
Hi I took out a payday loan ( Castle Payday ) back in XXXX of 2013 for {$400.00} in which i would pay {$540.00} back, I originally missed the first payment due XXXX/XXXX/2013, I made my first payment XXXX/XXXX/2013 and after which XXXX XXXX up until XXXX/XXXX/2013 in total i paid {$560.00}. Now 2years later I 'm receiving calls saying I never paid and charges are being filed against me.
I deposited XXXX state checks from my XXXX retirement fund, in person at chase on saturday XXXX XXXX 2015 at XXXX. Both the checks were over XXXX k but both are state or local government issued checks. I was planning on using some of this money to buy XXXX presents for my kids. The teller casually told me after i asked that it would be 2 days to clear ok no prob. But i look on reciept and it says XXXX XXXX. I have a credit uniom i can take them to that would make them available sooner. From what i read of cc federal reserve regulations this is a violation. Because i deposited a local government check in person i believe 2 days is the max hold. Am i wrong, and can i get the checks back monday morning so i can take them to credit union?
I keep getting repeated calls from this number, more than once a day. If I call it back it puts me on hold to wait for someone.
I found out I had a collection placed on my credit report around XXXX 2015, information appears to be related to an apartment rental at an address that I am not associated with and I disputed as fraud and the credit bureau refuses to remove. I was sent a copy of a lease from the collection agency, but it is not for an address that I have ever lived at and does not appear on my credit report. I have notified the credit bureau of possible identity theft, but the collection has remained on my file. I was never notified by the collection agency prior to this being placed on my credit report, but disputed as fraud and they continue to report.
I have a loan with XXXX. 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 XXXX.Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.