WillisBack/dataset-financial-user-claim huggingface dataset:
SunTrust  Bank debited my mortgage payment account {$17000.00} on or about  XXXX   XXXX . They reversed mortgage payments that I had made in  XXXX   XXXX ,  XXXX   XXXX  &  XXXX   XXXX  on my loan. All on time and without incident. They took the money without my consent and used to pay a legal settlement they entered involving a bankruptcy trustee that had sued SunTrust for payments they accepted on my loan six years ago. Without my knowledge and without me ever being a party to that lawsuit, they settled the matter and used my money to pay for it. They intern filed a foreclosure suit saying that I was three months past due  (  the payments they reversed ) and would n't accept any future payments. The whole time I was paying timely on my loan. They basically stole three payments from me to resolve a legal matter that I was n't in.     I was forced to hire a lawyer to defend the foreclosure and eventually settled the matter by paying  XXXX  back as settlement for the  XXXX  they paid to the bankruptcy trustee. I also had to make all the payments that were due from  XXXX   XXXX  through  XXXX   XXXX . They received and cashed all the payments that were required in the settlement and yet now they are refusing to accept my  XXXX   XXXX  &  XXXX   XXXX  loan payments that have been sent to them via federal express each month. On  XXXX   XXXX ,  XXXX  I received a notice of default saying that I owe the  XXXX  payment and any subsequent payments, all that I have made to them and confirmed that they received.      Suntrust  has refused to live up to their end of the settlement and is now threatning me again to take my house. I do n't know what else to do. They must be stopped.
CACH , LLC is on my credit report as the collector for XXXX. I, at XXXX time, had an XXXX credit card. I did a balance transfer in XXXX of my XXXX account balance to my XXXX XXXX XXXX Credit Card to take advantage of a lower interest rate promotion. The XXXX credit card was closed with this transaction. I closed my XXXX XXXX XXXX credit card account in XXXX after I started to experience financial difficulties, but continued to pay the debt to XXXX until I could no longer do so. I stopped paying XXXX XXXX XXXX in XXXX or XXXX. XXXX XXXX XXXX this past XXXX did a charge-back and sent me a XXXX Statement of Income that I had to file on my XXXX Federal Income Tax Return and claim over {$14000.00} of bad debt ordinary income. This was added to my retirement benefit payments income and left me with a tax bill that I have no choice but to pay in monthly installments. When I pulled my credit reports in XXXX and saw the CACH , LLC collection for XXXX I saw the error. Record of my XXXX balance transfer must have been made available in the post-merger XXXX XXXX XXXX files, sometime after XXXX merger of the banks. I do n't owe any money to XXXX. XXXX XXXX XXXX paid them off in XXXX ( or maybe XXXX ), over 10 years ago. I have had no dealings with XXXX for over a decade. I 'm paying whatever portion of the XXXX XXXX XXXX credit card balance used to hype my XXXX personal income, if any remains from the XXXX balance transfer and close of the XXXX credit card account, in monthly installments to IRS. At best this collection account is too old and XXXX stated mistakenly as the original creditor, so it would appear to be a separate debt from the XXXX XXXX XXXX credit card charge-back. CACH , LLC on behalf of XXXX appears to be using old, settled debt to pressure me into paying them money not owed by me.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Dear Bank of America, Request for Credit card Reopen XXXX I am member Bank of America since XXXX and I am enjoyed my credit card benefits and paying bills on times. Today I received letter indicated my account has been closed. ( letter attached ) My credit score XXXX and I am maintaining my credit good conditions. 
I am so disappointed your bank closed my account and please re consider to reopen my account. 


Thank you. 


XXXX XXXX XXXX XXXX
SunTrust has denied providing me with the underwriter 's approval and verification documents of our loan, among other documents of which I 've requested through XXXX previous CFPB complaints against them. We have now just received correspondence from them and their attorneys, XXXX of XXXX, GA, that our home has been placed with XXXX for foreclosure. This is their third attempt to exercise foreclosure based on a fraudulent loan obtained through predatory lending practices. Again, the loan type is a 10-year interest only ARM of which we entered in XXXX. This term was not clearly highlighted on the first page of the 82-page loan document, but was essentially masked several pages and paragraphs later ( which was finally pointed out to us in XXXX! ) In XXXX, we were not provided the document for review ( 3 ) business days prior to closing, as is now the law. This loan type and disclosure practices are now unlawful, yet they continue to harass us with their attempts to enforce the loan terms. They have refused full disclosure and transparency with regard to our loan, therefore, denying us the ability to effectively re-negotiate a fair loan agreement. At the very least, by refusing to disclose the underwriter 's verification and approval of the loan, SunTrust Mortgage is in violation of the Truth in Lending Act.
There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached TransUnion screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX and XX/XX/XXXX 2016 to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the 5th as scheduled. Also attached is a payment ledger from XXXX.
We were offered a payment extension on our loan which stated that the payment would be moved to the end of the loan and that our final payment might be " slightly '' more. It is close to XXXX which in my opinion is not slightly more than {$590.00} which is what our final payment was to be. I truly feel that the advertising for this extension was fraudulent & deceptive and had we known that there would be that big a difference in the final payment along with having to still make the payment that was skipped, we would have never agreed to that.
On XXXX XXXX 2016 I sent in my monthly payment for XXXX 2016 in the amount of {$3400.00}. Ocwen received that payment on XXXX XXXX 2016 at XXXX. In the form of check # XXXX which breaks down as follows : ( 1 ) {$1100.00} for the regular monthly mortgage payment, and ( 2 ) A extra {$2300.00} to be applied to the principal. I had clearly stated this as you can see on my monthly mortgage coupon and at the bottom of my check. Ocwen failed again to apply my funds correctly. Ocwen applied ALL of my check to only the principal and nothing to the monthly mortgage payment. Since they did this my account still shows that I owe a payment for XXXX 2016. This is not correct. I am a month ahead on my mortgage payments.
I 'm writing this grievance in regards to XXXX XXXX  XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you
We had a second mortgage from XXXX XXXX XXXX which was sold to XXXX XXXX  on XX/XX/XXXX. We were in Chapter XXXX at the time which was discharged on XX/XX/XXXX. The second mortgage was cleared than. We have been dealing with XXXX loan mgt since XX/XX/XXXX to get a deed in lieu. Now they say that we need a release from XXXX XXXX to continue the process but XXXX XXXX has gone out of business and I can not obtain a release of lien from them. Absolutely no one can/will help resolve this and both XXXX and XXXX are saying that only XXXX can. There is no one at XXXX to deal with since the loan was sold. All we want to do was sign over the house to Rushmore loan mgt ( who is handling everything for XXXX ), we are completely frustrated over this and do not know where else to go. We have been dealing with XXXX XXXX at Rushmore, phone number ( XXXX ) XXXX, XXXX XXXX ( representing XXXX  ) ( XXXX ) XXXX and XXXX XXXX ( XXXX ) XXXX. All we would like to know is how to resolve getting a lien removed from this secondary loan so that the deed in lieu can move forward.
I signed a one year lease with a " XXXX XXXX '' apartment complex named " XXXX XXXX XXXX  '' address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ID XXXX. 
I moved in XX/XX/2014. The place was a real dump. I moved out exactly one year later to the day and I had given them no notice that I planned on renewing the lease. The day that I moved out I had left a money order to cover the rent from XX/XX/XXXX-XX/XX/XXXX. When I moved out, the apartment was spotless and there was no money owed  on my part and they had a {$200.00} security deposit of my on file with their office I have an account with a credit report agency and I noticed that there was an amount in the amount of {$1200.00} + that was supposedly owed by me to XXXX  XXXX XXXX. 
They { XXXX XXXX XXXX. } made no attempt at all to try to contact me with any ... '' outstanding '' money supposedly owed by me to them. 
The worst part about it is the collections agency { Action Collection Service Inc. XXXX XXXX XXXX XXXX, XXXX, ID XXXX } who has several " complaints '' files against them, keeps tacking on more money almost every month. 
The bottom line is there is no money owed by me to XXXX XXXX, or XXXX XXXX XXXX. or any cheesy collections agency.
My mortgage got transferred to Nationstar Mortgage in XXXX 2015. This company is now accusing me of non-payment and arrears and have reported to the CRAs 15 times for none or late payments. My bank and I have proof of payments on my bank statements. No payments have ever been missed. This company has totally messed up my credit and caused me two years of stress and heartache. I  automatically pay my bills every two weeks without fail. In addition I have contacted the company many times without fail and most of the people are rude and tell me Just pay it! If you get someone who tries to help you, you end up getting another letter threatening to take your home. I cant believe them anymore because they have lied so many times I thing they are scamming.
Disputed a charge XXXX/XXXX/2016. They have not sent me a final letter regarding this dispute though 2 billing cycles has passed. They claim that it 's not final until 90 days has passed and my understanding is that the law mandates that the investigation be final by the EARLIER of two billing cycles or 90 days. I spoke to XXXX supervisors at the credit card dispute dept and they advise me it 's not final until 90 days.
The number they are calling at XXXX is a work number and I have identified it as such. They call two or three times daily and they alternate from work phone to personal phone. It is becoming insane and I am involved with debt management and they are aware and asked me to file a complaint. 


XXXX XXXX XXXX XXXX
I had a Best Buy credit card through CBNA that was closed with a {$0.00} balance in XXXX. Citibank confirmed this with me on the phone on XX/XX/18. However, XXXX is reporting that this account is delinquent and has a balance associated with it. According to the customer rep at XXXX XXXX, Citibank is telling XXXX there is an open account with an owed debt on it. This is completely different than what they are telling me and what I know to be true!
I pulled my credit report and noticed that this company has reported that I owe them money and to best of my knowledge I have never received any service from them nor have I signed a contract stating I would. I was not afforded with challenging or disputing the debt in accordance with the law.
I noticed on XX/XX/XXXX that XXXX XXXX XXXX fraudulently placed a negative account in collections in my name. The date of the account is XX/XX/XXXX. I did not open an account with XXXX XXXX, therefore, this should not be on my record. I have filed a police report and identify theft report with FTC.
XXXX XXXX. XXXX was informed of suspected fraud re my Capital One XXXX ( Visa Signature ) card. When fraud was confirmed, my card was deactivated and I was told its replacement was being sent " XXXX-Day Priority ( USPS ). 
XXXX XXXX. still no card even tho ' UISPS tracking site said " delivered '' ( to the wrong end XXXX! ). 
XXXX XXXX, no card. I called Cap. One and info 'd them re USPS " delivered ''. Their representative assured me it WOULD arrive " tomorrow or Friday at the latest ''. 
XXXX XXXX, no card. I spoke w/ a supervisor who was befuddled and connected me w/ his superior. She said the card was lost, they had canceled it and that they would send me ANOTHER ( XXXX ) card via USPS XXXX-Day Priority. 
IF I get the card this time, it will have been at least eleven days. 
Already some of my credit card auto-pay companies have been denied payment and my previously " excellent '' credit rating is in decline ( a VERY big issue since even XXXX ca n't get credit reports corrected and numbers restored ). Additionally, I can not do business online and I must carry large sums of cash to cover the daily expenses that had been covered by my Cap.One card. 
" What 's in YOUR wallet? '' the ads ask ; " NOTHING! '' is my reply.
I live in XXXX, where it is unlawful to garnish wages for credit card debt. A very sneaky debt collector filed an application for wage garnishment which stated I am employed in XXXX. Again, I am employed in XXXX, and only my corporate headquarters is located in XXXX. They think they can skirt the law this way.
I applied via XXXX XXXX for a Chase Freedom card. My husband had already applied, was approved immediately and received his card. We both have XXXX credit cards. A XXXX XXXX XXXX. Of which we both have our own. And a XXXX card. Which is in my name and he is only authorized user. So technically, he only has one credit card. 
My credit scores are higher than his. ( Or they were then ) I WAS DENIED. 
They gave two reasons in one place on their letter. 1. Oldest revolving account has not been opened long enough. 2. Too few accounts on file for a sufficient length of time.

Further on in their letter, they gave 4 more reasons. 1. Balances on revolving accounts are too high compared to credit limits. 2. Lack of recent installment loan information. 3. Too few accounts currently paid as agreed. 4. Too many accounts with balances. 
I have ( 2 ) credit cards. No other debt. Except rent, utilities, etc. My credit score per their letter per XXXX is XXXX. My total balance is {$280.00}. I will attach their letter albeit with my notes scribbled on it. 
My husband is XXXX. I am XXXX. And I am a woman. He was approved instantly. I was denied. Yet I have more credit for longer. More good credit. And higher credit scores. 
When XXXX exposed everyone to identity theft ( with impunity ) I froze my XXXX Credit Report. However, prior to applying for the Chase card, I had it unfrozen. Is there something going on here because of that? 
The only thing that is different is my age and my gender. 
This is discrimination pure and simple. 
Can you do anything to rectify this? 
Thanking you in advance. 
Sincerely, XXXX XXXX
Hello : This is in regard to Portfolio Recovery. They claim, and have entered on my credit report, I owe them and/or XXXX XXXX, {$1400.00}. 

I believe this to be false, as I 've had many accounts with XXXX XXXX, and have paid them in full. Also, a date of XXXX delinquency of XX/XX/2008, which I 'm sure is wrong. 

Therefore, I 'm requesting validation of this account. Including but not limited to, a signed contractual agreement, with my signature, indicating my intent to pay this alleged account, plus proof of last payment date. In order to ensure true validation of last payment date, they are to include amount and bank on which last payment was drawn.
I had a car loan with the company Mid West Acceptance. The vehicle I had I traded it in a a dealership for a new vehicle XX/XX/2014. Mid West Acceptance Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at Mid West Acceptance and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.
I have sent a letter to them telling them that this is a false bill. The bill is erroneous and they are not ready to correct the bill. They have refused to provide me with any information about the medical treatment that was provided or what services were related to this charge. I have full medical coverage and they are trying to mint money out of me.
I lost my job and already paid 12 years on loan then citi modified me for a 40 year loan and they have the right to part of my retirement this does not help it hinders I tried everything Citi wants me to move out because I ca n't afford it I want to keep this home I have been there for 16 years
I am a XXXX veteran. After XXXX XXXX destroyed the VA hospital, we were advised to seek emergency treatment at the nearest facility and we will be reimbursed. In XXXX XX/XX/2011, I used XXXX Ambulance service to rush me to the nearest hospital, and my family and I advised them that VA was my only insurance. They failed to submit a claim to VA and put me in collections. during the 2 year period they had to submit a claim, they nor their collection agency never called me. I assume is because they can get away with billing me over {$XXXX}. But, they could only bill VA a minimal amount. I recently requested that they submit the request for payment with the VA, the XXXX Representative declined to respond. I believe this is a deceptive practice aimed at getting more money from the patient, then the government.
Wells Fargo Home Mortgage refused to allow me to audit and make a validation of debt claim prior to foreclosure. The reentry department will not send information regarding the loan per my request to validate the loan. The debt letter dated XX/XX/XXXX which gives me thirty days to dispute the debt. They immediately sent my file to foreclosure before allowing me to obtain access to relevant information to dispute such claims. I received a packet from XXXX XXXX today with loan documents only portions of the information requested in my validation to support the debt. Wells Fargo Bank refused to postpone the foreclosure and allow me time to review the documents. I received some of the documents requested on the day of foreclosure. I have submitted three requests to all allege parties to supply sufficient information pertaining to my loan. The office of President staff, XXXX XXXX XXXX, also refused to send me information from the inception of the loan to present. Also, a request for a affidavit was requested, Wells Fargo has refused. Wells Fargo refused any supporting documents prior till XXXX to support there claim of foreclosure. There have been account numbers changes recently at the time of account sent to foreclosure, the service lenders name changed without proper notification. Wells Fargo Bank does not have any of my records prior to XX/XX/XXXX to show claim to foreclosure scheduled XX/XX/XXXX. Alleged attorney sent a XXXX packet sent to my home on the day of foreclosure to validate the debt, nor does this allow me sufficient time in order to audit, review and dispute any issues to this claim with Wells Fargo Home Mortgage. The balance that the allege attorney differs from the amount Wells Fargo states I owe. The payment history XXXX XXXX provided verbally was also discrepancy
I attempted to close my checking account with Wells Fargo in XX/XX/XXXX, in response to their continued terrible actions both to other Wells Fargo customers and in their support of investments like and including Natural Gas pipelines around the country. I paid all fees, XXXX 'd my account, and I was verbally assured that the account was closed. 

In XX/XX/XXXX, I realized that my credit card number had still been being used to charge an XXXX XXXX account. That had put my account below XXXX, and I'd been charged a series of fees. After many hours on the phone with Wells fargo, it became clear that I needed to go into a physical bank branch with cash to deal with this situation, because Wells Fargo was unwilling to transfer money IN to the account since the account was overdrawn. 

After going into a branch ( where they were kind enough to remove some of the overages and fees ) I paid my balance in cash, but they were unable to close the account. This was Monday, XX/XX/XXXX. I was told that they could not close my account at that moment, however, because it was overdrawn, a setting which would " reset '' at midnight that night. I went to close my account on the XX/XX/XXXX, only to find a " pending '' charge that I can't explain, and now ( the XX/XX/XXXX ) there is another charge on my account, it is BACK under XXXX, and I've accrued some more fees. 

I no longer have my ATM card, as I destroyed it when I was told that my account was closed back in XX/XX/XXXX, and getting into a physical wells fargo branch between the hours of XXXX and XXXX continues to be an interesting challenge.
I have been informed from Ocwen 's Ombudsman office that Ocwen 's legal counsel, XXXX XXXX, has advised Ocwen not to speak to me about my account. I have filed complaints against Ocwen through the CFPB portal because of servicing misconduct and fraudulent activities that are being used to wrongfully foreclose on our primary residence. The Consumer Account Analyst, XXXX XXXX, from the Ombudsman office stated in one of her responses to my complaint, that I could call her if I had any questions regarding her response to my compliant. When I called to speak to her, she advised me she was unable to speak to me regarding my account and she has failed to thoroughly research my complaints and concerns regarding the fraudulent documents produced to wrongfully foreclosure on our primary residence. She just simply attaches a response from their legal counsel from XXXX XXXX, XXXX instead of thoroughly researching my complaint as she claims to do. In her last response to my latest complaint filed, she has directed me to address any questions or concerns regarding my account to XXXX XXXX. I am not really sure how this firm can address the concerns raised when XXXX XXXX is the reason behind my concerns. XXXX XXXX is the firm that produced to us an allonge in XX/XX/XXXX that was unstamped during the discovery phase of our lawsuit. Then XXXX XXXX provided a stamped allonge months later. XXXX XXXX is also making a false claim that I was presented with the original loan documents during my deposition and did not deny that it contained my signature. That statement is absolutely false. I stated in my deposition that the signature appeared to be computer generated and did not appear to be my original signature. The attorney for XXXX XXXX continued to badger me when I made this statement and was trying to force me to admit to it being my signature. We filed a lawsuit against XXXX in XXXX XXXX because of their servicing misconduct activities being done against our primary property. This lawsuit is now closed and Ocwen should be able to speak to me directly involving any unresolved issues or concerns I have about my account. My relationship manager, XXXX, XXXX XXXX, has also advised me that he is unable to discuss my account with me. As part of the Ocwen National Servicing Settlement Agreement, I am to be assigned a single point of contact. What is the point of having a single point of contact to ask questions about my account, when they have been unable to speak to me about my account?