WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage is with New York Community Bank ( XXXX, NY. ) My homeowners insurance and property taxes are paid through escrow annually. For the second year in a row, I have had to pay my homeowners insurance premium to XXXX XXXX because the mortgage company has not paid it before the lapse date. The bill was sent by the insurance company to NYCB in XX/XX/XXXX and XX/XX/XXXX, with reminder notices going out in XX/XX/XXXX and XX/XX/XXXX. The policy renews on XX/XX/XXXX annually. In XX/XX/XXXX, the payment was not made by NYCB until XX/XX/XXXX, so I had to pay on XX/XX/XXXX to avoid a lapse. In XX/XX/XXXX, payment was not sent until XX/XX/XXXX, and I again had to pay on XX/XX/XXXX ( XX/XX/XXXX was a Sunday ) to avoid a lapse. I have spoken to the escrow department at NYCB several times and have never received a satisfactory explanation as to why they are not paying on time, even though the money is fully available in my escrow account. I even tried to have the escrow discontinued so I could pay the bills myself and they would not allow me to do this without charging me an exorbitant fee. I think I should be able to discontinue my escrow without penalty or fee since they have demonstrated that they can not pay the bills on time.
Equifax refuses to verify the validity of numerous inquiries on my credit report. I was told that it 's a " factual record '' but Equifax will not provide me a copy of a signed authorization form, giving them permission to report these inquiries as fact. Equifax can not and will not provide me with proof bearing my signature and giving authorization for my credit file to be viewed by ANY company, therefore giving them permission to report these inquiries. I request that the below mentioned inquiries be removed if proof bearing my signature can not be provided. 
1. 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/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/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX
I was denied a relocation assistance without ever being notified despite numerous phone calls. I went through the home modification program twice. I told them I wanted to do a short sale after all of this. Nationstar provided me with a realtor who worked for them. I got railroaded the whole way through. Now I 'm out of {$3000.00} and no home.
M & T bank put a hold on a bank to bank transfer for {$9000.00} and are holding my money in limbo for almost three weeks. I have call to release the funds or transfer back. No response from them on calls and messages. No explaination. They sent me a form again with no explaination. I need funds.
XXXX has failed to process my payment, as outlined in a letter sent to them on XXXX XXXX ( following, with name of banking institution deleted ). They keep sending one line " unable to locate '' and " unable to resolve '' letters, and keep adding charges. 

-- -- -Beginning of letter I dispute all the charges reflected on the attached bill. This credit card was not activated until XXXX XXXX, 2017. There can be no valid charges before this date on this account. 

I had a previous Barclay credit card, a XXXX XXXX card. I called to cancel the account because I didnt want an annual fee. I had already sent check # XXXX on ***** on or about XXXX XXXX for the full amount due on that card ( {$55.00} ). XXXX still has that check. It has never been tendered to my bank and it has not been returned to me. I was offered this new card with no annual fee and I accepted the offer. 

I was notified that my payment was overdue because Unable to Locate. When I called to inquire, I was told that my bank had been unable to locate my checking account on which the check was drawn. On XXXX XXXX, I went to the credit union ( where I have banked without incident for more than 20years ) and learned that the check had never been presented to them. 

That day, from the credit union, with the manager and my checking account numbers at hand, I called XXXX. XXXX told me that XXXX had been unable to process my payment because they did not know to which credit card account it should apply. At the urging of the XXXX agent on the phone, I provided all the information required to process the payment by phone instead of by check. He processed the payment and gave me the reference number XXX. 

When I finally activated the [ new ] card this morning, I saw Purchases of {$110.00}, and interest charges on overdue payments. 

I again called XXXX and spoke with XXXX, representative XXXX. She confirmed XXXX receipt of check # XXXX and of the phone payment under reference # XXXX. I cancelled the new XXXX account on which there has never been a charge. 

You still have my original check plus the reference number showing my good faith effort to remedy your error by providing a substitute payment by phone. The telephone number for XXXX XXXX XXXX is XXXX if you need help figuring out how to process one of the referenced timely payments. It is an unlawful debt collection practice to attempt to collect a debt that is not due. I expect no further collection attempt or adverse credit action. 
XXXX End of letter This week I received a new bill, this time for {$82.00}.
We were attempting to ONLINE pay one of two debt listed with the collection agency. Their online system does not allow individual debts to be paid, they are forced to be consolidated. I attempted to pay the XXXX XXXX XXXX debt ( the lower amount ), but the option to receive confirmation of either debt paid will not be reflected, neither debt is shown paid. If one debt is in being challenged, they force you to pay both in order to get the other addressed and off your credit report.
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I had several accounts with XXXX XXXX and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX   immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account.

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With XXXX  doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX  decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX  they reduced it to a XXXX  as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly.

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem.

I need a resolution asap. I pay every bill on-time every month ....
I have an  XXXX  credit card with  XXXX   XXXX  and in  XXXX  my credit limit was increased from {$300.00} to {$1000.00} and the credit limit increase has not been reflected correctly with Transunion or  XXXX  fast the past few months. I have called  XXXX   XXXX  for the past 2 months and they told me it was reported correctly but the latest update to the credit bureaus on  XXXX   XXXX ,   XXXX   still reflects a credit limit of {$300.00}. I have sent online disputes as well as a dispute vi a US m ail to  XXXX  credit bureaus and the response from   XXXX   credit bureaus indicates the credit limit they are reflecting is what  XXXX    XXXX    submitted which is {$300.00}. I am getting conflicting information from  XXXX   XXXX . I am just simply asking that my credit limit be recorded and reflected correctly which is a credit limit of {$1000.00}.
Received letter from ERC, dated XX/XX/2018, in regards to XXXX. I requested an investigation to be conducted by XXXX, into the manner which my final bill was incorrect. I received a letter from ERC, stating the dispute investigation by XXXX, was complete, and forwarded to their office for collection. I did not receive any information, in regards to the prior investigation being completed.
I was charged a {$5.00} fee by Bank of America for withdrawing {$30.00} on or about XXXX/XXXX/2015. There was no disclosure of the at time of the transaction. 

I called Bank America customer service number on the back of the card XXXX on XXXX/XXXX/2015 around XXXX central and was told that we were on a recorded line. I shared my concern regarding a {$5.00} fee and was told that the fee was because of a {$20.00} withdrawal at a gas station on XXXX/XXXX/2015 but that he did have the authority to waive the fee. I requested to talk to a supervisor, XXXX the supervisor said the fee was for a transaction of {$30.00} at another bank. I again explained that the fee was not disclosed and that I would not knowingly agree to pay {$5.00} to access {$30.00}. XXXX said that she did not have the authority to waive the fee. I requested the next layer of management to take my complaint to and told that there is no one else at Bank Ameica to take my complaint. 

I am filing this complaint because I do n't believe the undisclosed {$5.00} I was charged is fair and have no other recourse through Bank of America.
XX/XX/2016, I tried to obtain a loan for an affordable housing property. This is my first time purchasing a home, so the process is new to me. In short, the loan with the first lender I was working with fell through because of the condominium association 's coverage on their XXXX bond was not high enough and therefore the loan was denied during the underwriting process. I was then told to re-apply at Wells Fargo XX/XX/XXXX. The branch manager, XXXX XXXX, passed my file to XXXX XXXX. Before I started the process with them, I explained exactly why my loan was denied with the previous lender as well as forwarding them the emails which contained exact figures regarding the associations coverage. I made it perfectly clear that I do not want to pay any more up front fees unless they were sure that the loan would be approved and the XXXX bond coverage would not be an issue ( since I had lost all of the money I had paid upfront with the initial lender and that Wells Fargo was not able to reuse the appraisals or credit checks that I had already paid for ). They assured me it would not be an issue because of the particular mortgage program they were going to use for the loan. Afterwards, I gave them my credit card info to once again pay for an appraisal and a credit check and was charged both fees on XX/XX/2016 and XX/XX/2016. On XX/XX/XXXX during the underwriting process, I come to find out that my loan would once again be denied due to the coverage on the condominiums XXXX bond ( the same reason I had warned them about before applying ). I emailed my representative at Wells Fargo to ask for them to refund the fees that I had paid since they gave me insurance that this same problem would not be an issue. They refuse to refund me.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account # and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX  XXXX XXXX Account # XXXX Balance : {$28000.00} Company : XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$200.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXXXXXX Account # :  XXXX Date Open : XX/XX/XXXX Balance : {$250.00} Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX  Date : XXXXXX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX I have never been associated with these addresses that are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX please remove these false accounts, inquires, and address from my credit report immediately.
I filed a complaint against Paypal Credit on Saturday XX/XX/XXXX about unauthorised hard inquiries into my account which lowered my credit score from XXXX to XXXX. Hardly had that been resolved than they did another inquiry into my account today on Monday XX/XX/XXXXand it further lowered my credit to XXXX. I need urgent redress as well as per my last prayer. 

The inquiry will be attached. 

Thank you.
I live in the country of XXXX for the last five years and I have XXXX cel phone bills on my credit report XXXX has no us cel phone co
This is the third time I am filing the same complaint against the same company. All you do is contact the company for them to reply. When are you going to step in and do the job my taxes are paying you to do?      SunTrust Mortgage ( Loan Number   XXXX   ) con sistently misapplies my payments. I make my payments e very two weeks i n the amount of {$550.00} for a monthly mortgage payment of {$1000.00}. This leaves an additional principal payment of {$99.00} each mon th. SunTrust ha s been applying the full {$550.00} to the principal, rather than applying it to the monthly payment. Then, when the  XXXX  of the month comes along, since the full payment has not been made they charge me a late fee of {$30.00}. Even though they have received full payment.     I have only had this mortgage since  XXXX , yet they continue to try to steal money from me. You wrote to me on  XXXX   XXXX  that you were sending my compla int to SunTrust.  On  XXXX   XXXX   SunTrust wro te that they had reapplied my payments correc tly ( for  the second time ). On that same day, they AGAIN misapplied my payment to the principal. In spite of the fact that when I wrote to them I included a payment schedule for the entire calendar year showing how much they would receive and how each payment was to be applied.     I want your office to step in and do your job. Simply sending my complaints  to SunTrust is  not enough. They continue to illegally try to steal money from me and your agency has thus far done nothing to prevent this. I am contacting  Senator   XXXX  and Congressman  XXXX  to ensure that you do your job and g et SunTrust to s top this illegal activity.
Nationstar has refused to release my much needed insurance claim funds that are required to repair my fire damaged property. Have spoken with countless agents in the Loss Draft Department and managers in the corporate Customer Service Department only to be given a further run around. Nationstar has held on to these funds for over a month now without releasing any funds for the remediation of my property. Had been told that the reason they ca n't release the funds to me is because the state of Virginia where I live requires a licensed contractor to do the repairs. Title XXXX in the code of Virginia allows for Homeowners to repair their properties without the need for a contractors license. This has been a very horrendous experience and definitely is a bad faith and deceptive practice.
I have a student loan with Navient and my company started to make extra payment as a benefit with my employment. I am still making my regular payment every month but the extra payment that my company makes gets applied to the next available payment instead to principal only. The payment comes with instruction to apply to principal only but Navient does not do this. I called and they said it is not there policy to do that when a payment comes in. I believe they should apply as directed so that my loan gets paid off faster.     Thanks.
I went to get a laptop from Conns, They approved me a line of credit for {$3500.00}. I got some items for about {$3400.00}. I was told after the calculations that my bill will be {$86.00} per month but with warranty it will be about {$120.00}. 
I went home to find out the laptop was already open and had someones log in. I took it back to the store and they apologized and gave me a new one. I came home and got a payment booklet in the mail showing a {$17000.00} balance and $ XXXX monthly bill. 

I called the store to let them know, they transferred me to corporate. A manager named XXXX apologized and told me it was an in house error and it will be fixed withing a week with a new contract. She said the old one had to be cancelled. 3 weeks rolled by no feedback. I called to let her know my bill is due and I have to pay to avoid having a late. she said not to pay because the contract has been cancelled and they are drawing a new one. another 3 weeks went by, this time I start getting calls from Conns saying i am late on my payment. I asked the same lady XXXX that if the old contract is cancelled why do I get calls about a late payment. she told me not to worry it will be sorted soon. soon turned to 3 months and XXXX was no longer at that location. I now got to speak with another manager XXXX who said it will be done soon. They reduced the bill to {$12000.00} which was still not what I owed and by this time they had my reported to the credit bureau for late payments and collections. 
I even offered through email to pay off the balance and have them credit it to my account since they are saying I owe and then they also say there is no contract, but they refused stating the calls will be stopped and I will not be bothered again. They did not stop the calls. The harassment went on. I offered to return the items and just have them pull off the delinquent credit report. they said no. 
I had paid off all my credit cards per arrangement with m

y credit union to get a house loan and a business loan. that has screwed it up until today. Conns has not removed the false report on my credit and have not fixed the balance. When o told them I will get an attorney, they panicked and one of the managers sent a message that was meant for Conns in house saying because I am threatening legal action they should act quickly. Looks like that still did not help. This has caused so much trouble with my credit, my business, my health and not even a word of apology from Conns, I am still working with an attorney to get this resolved. I feel like I am in a bad dream.
This debt has been disputed -- with the attorney tring to collect the debt. I was soley an authorized user on this credit card. I am not personally liable for this credit card. This debt has not been verified with any original documentation from the original creditor showing that I am more than an authorizd user. Moreover, even if the same had been provided- the statute of limitations has passed for any debt collection or legal action. Thy are trying to deceive people into thinking they owe a debt- and scare them in to making payments. I have attached my dispute letter.
My daughter was going to XXXX when they closed their doors. I HAD Taken out ap parent loan for my daughter and it went through Nelnet as that was where my student loans are through. Both my daughter and I submitted the federal form for loan XXXX eness due to school closure. My daughters financial institution that is handling her student loans accepted it and her loans were wiped out and I have had to reapply 3 times and Nelnet keeps mishandling it and in the meantime is making me make payments and still accruing interest on the loan. Every time I contact them the answer is the same ... .I need to resubmit. I 'm frustrated and do not know what else to do. Please help
Bank of America has had my husband 's and my SSN wrong in their system for the past three years, and refuse to consult my original loan documents to correct it. My credit has been impacted along with my sanity. For the past three years, they have mailed us letters in XX/XX/XXXX advising that our Tax Identification Numbers are incorrect, and request that we complete a XXXX form. I 've already done this, and I 'm not comfortable sending this sensitive information via snail mail AGAIN. I 've contacted their CS phone number to discuss this issue, but was only told that my issue was being referred to " the back office '' and advised that I would receive something via mail in 7-10 days. Then, I also tried writing to them via their website, but was merely told to call CS again. The correct SSNs are contained in my original loan closing documents, which BoA has, so I expect them to consult their records and update my account information accordingly. Stop being lazy and requesting me to furnish information they already have on file.
I had lost my XXXX rewards card and there was fraudulent activity. I made multiple calls to chase and each agent : XXXX XXXX, XXXX XXXX, XXXX, and supervisor XXXX XXXX refused to shut down and reissue card. The card is still open to make fraudulent purchases.
I noticed that {$400.00} was missing from my account. I was trying to transfer funds to my other account and was told the amount was unable to be transferred due to insufficient funds. I transferred {$1000.00} to that account and know for a fact that the money was there. When I called and spoke to a representative and then asked to escalate to a supervisor, someone named XXXX told me that it was an automated collection. I do not owe anything through or to the bank. When I demanded my money back, she asserted that they had every right to take my money although it is not my bill. Fraudulent activity that I reported and they refused to rectify it.
Below is the text of an email I sent to the Collector today. I also attached the certified cease and desist letters. I received a voice mail today from your firm and returned the call this afternoon. I spoke with an XXXX who stated I had two accounts assigned to your firm and only those two accounts. I received 30 day notices for two accounts with your firm in 2015 and sent certified cease and desist letters. I have the letters and return receipts. Your agent stated neither account was marked cease and desist. I find this hard to believe considering it has been a little over two year since hearing about this. I believe the more likely explanation is that your firm has a policy of calendaring accounts for some time in hopes the debtor has n't kept the records to prove a cease and desist letter was sent. I am on Social Security XXXX and I have no assets. Regardless of the explanation this is a clear violation of The Fair Debt Collection Practices Act. I will be sending a copy of this email and copies of the certified letters with receipts to the Consumer Financial Protection Bureau for whatever actions they deem necessary.