WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried multiple complains and phone calls to your office regarding this issue and I was not able to solve the problem. Ocwen mortgage services keeping misplacing funds in my account and not applying the correct amount of funds as described in the modification contract. Currently the amount of {$1900.00} were not misapplied in the account from a suspense account and Ocwen will not apply these funds to the escrow account as requested. The account was modified on   XX/XX/XXXX    . At the time the account was modified, there were funds in the suspense account was {$1900.00} and I had a positive escrow balance in the amount of {$3300.00}. the modification contract had Deferred Principal adjustment  (  {$86000.00}  ) . in the account payment history, Ocwen applied the additional principal balance funds of {$1900.00} and only applied an additional  Deferred Balance Adjustment  of {$84000.00}, a smaller amount compared to the described in the modification contract as a deferred principal amount. I have previously requested several time in writing and over the phone clarification to the application of these funds but have being denied.
I have notified Second Round, LP that this is a conflict of interest. They have placed the debt to be collected by my previous employer named XXXX XXXX XXXX XXXX XXXX XXXX I worked with the company and prior to them merging I worked there for 5 years. I know most of the XXXX personally. My sister even works for the company. Now my friends know my personal information that I have a debt that I am being sued about. This has caused me both embarrassment in regards to my personal information. And, also when XXXX XXXX XXXX sent the process server to my property he trespassed and scared my children. He was screaming in the windows. My family had to call the police to come remove the process server from the property. When the process server presented himself he identified himself as a detective. Which is not true. I have contacted both the client Second Round, LP and XXXX XXXX  XXXX about the issues and neither has removed my account or transferred to another company.
Citi mailed me, to my home address, a pre-approved credit card application. When I completed it, Citi turned me down because ( as they explained over the phone ) they could n't verify I lived at that *very same home address*. They put me in a Catch-22 : they mailed me an application with my name on it and then disbelieved that I live where they mailed it. My complaint is not that I was denied credit. My complaint is that, thanks to the denial, there 's now an unfulfilled request for credit on my credit history. Citi should not be sending out applications that are doomed from the start to be denied.
I have made several attempts in clearing up all inaccuracies on my credit report. My name, address, social security number, inquiries, accounts and telephone number. I have called and sent in letters. I have one name, one social security number, one address, one telephone number. Inaccurate accounts. false inquiries.
We paid off our mortgage on XX/XX/2018. We sent a wire transfer, as requested by the mortgage company, in the amount of {$24.00}. Our payoff statement stated this was {$4.00} for principal and {$20.00} for a recording fee. At that time we had an escrow balance of {$890.00}. On XX/XX/2018 {$20.00} was removed from our escrow account with the descriptive reason being " partial payment ''. This lowered our escrow balance to {$870.00}. The escrow account was for home owners insurance only, as we pay no property taxes due to my rating as a XXXX XXXX XXXX veteran. If our loan was paid in full, as well as the recording fee, what was this {$20.00} payment for? I contacted the mortgage company 3 times in XX/XX/XXXX via telephone to inquire why the {$20.00} was removed and what it was for. Each time I was told my inquiry would be forwarded to the correct department and I would receive a written response in approximately a week. No response. I sent two secure messages from my account on their website requesting the same information, one on XX/XX/2018 and one on XX/XX/2018. Each time their response was " XXXX XXXX Your secure emailed message is currently under review. We realize the urgency of your inquiry and we appreciate your patience. We will have a written response to your concerns. Should you have any questions, please feel free to contact our office at Toll Free XXXX, Monday through Thursday XXXX XXXX. to XXXX XXXX, Friday XXXX XXXX. to XXXX XXXX Pacific Standard Time. 

As of today, XX/XX/2018 I have yet to receive a reason for this {$20.00} being removed from escrow. It is now been over 2 months from my initial inquiry. I need to know why this {$20.00} was removed.
On numerous occasions during XX/XX/2015 Diner Club Credit card hastaken an inordinate amount of time to post the monthly balance pay-off to our account. Generally waiting until after the duedate has past. When Customer Service was query more than3 time during XX/XX/2015, Service personal gave the preverbal the Post Office must be to blame. The demonstrative facts are quitedifferent ... 
Twice document, XX/XX/XXXX and XX/XX/XXXX, on the day the payment was due, and 15minutes before close of their business day ( PDT ), Diner Clubclaimed the payment was not yet received, yet XXXX ( EDT ) thefollowing day the payment was not only received by Diners, but posted to the account, and had cleared our checking account the nightbefore. As you can image this must be magic, how during theirbusiness day they have no real time information, but our check canarrive, be processed, posted to our account and miraculously clearour checking account, the night before. Sounds like very sloppyaccounting work flow and at the very least poor customer service.
I was behind in my credit card payments with Synchrony Bank. On XXXX XXXX told representative I will make a {$30.00} payment via checking account on XXXX XXXX and will call later to apply for payments with less interest. On the XXXX Synchrony withdrew {$30.00} twice without my consent and knowledge. This caused an overdraft fee with my bank XXXX because they paid the extra {$30.00}. Now my checking account that i pay my bills has a negative {$92.00} balance. I explained what happened to XXXX rep. they say I have to get Synchrony Bank to return the second, extra {$30.00} to them. Synchrony refused to do it. Therefore my checking account will remain in a negative balance until and when Synchrony decides to correct it. I will not pay for anyone mistake, negligence or deceptive practice. I also do not have automatic withdrawal payments from my checking accounts exactly for this reason. I read companies take out extra money from people`s accounts.
To Whom It May Concern, My name is XXXX XXXX, My account number with Barclay Card is XXXX. I received mycredit card statementin the mail and noticed I was charged twice for flights from the XXXX to XXXX back in XX/XX/XXXX. My wife used my card without my authorization, when the credit card company called me I told them there was no authorization for this charge and to cancel it ; they said they would. In the meantime my wife never received a confirmation for these flights thereforeshe understood that the flights were NEVER booked. I was charged twice for this charge and wish to be refunded for this, Ideclined the charge when Barclay Card called and on top of it my wife never received confirmation for the flight. I then was only reimbursed for one charge and not the second, if I DID NOT authorize this charge how is it that I was charged TWICE? I have been dealing with this issue since XX/XX/XXXX and have received no resolution through Barclay Card regardless of numerous phone calls and e-mails. I live on a budget and this charge to my credit card is a heavy burden, especially receiving no adequate resolution on an issue I have been dealing with since XX/XX/XXXX. The card was charged on XX/XX/XXXX and XX/XX/XXXX, if you have any questions do not hesitate to contact me at my personal phone number XXXX and e-mail address is XXXX .I am writing this e-mail XX/XX/XXXX. Please help me with this issue
This is a complaint against Suntrust Bank in XXXX, FL Our company, XXXX XXXX , XXXX had a CD with SunTrust Bank in the amount of {$400000.00} since at least XX/XX/XXXX ( copies attached ) ; every time the CD was going to renew the manager told us that we will get the highest preferred rate due to our balances but they could not give me the rate at the time, their paperwork never showed the rate either. 
Every time we ask the officers at the bank for the rate they told us they either did not have it or did not have access to it ; until last year, we met with a new officer at the XXXX Branch in XXXX that was supposed to become our officer in the private banking area and I asked him about the rate on the CD and when he look at the computer he told me that there was something wrong with the rate and he will speak to his boss to fixed the problem. 
A few weeks later when I asked to speak to the officer, I was told by the branch manager that he was no longer with the bank and they were going to assign a new officer to us ; a few weeks later I spoke to somebody in the XXXX XXXX Branch and when I told them that I was going to file a complaint with the Dept of Finance, within 10 days I received a letter from XXXX to close all my accounts, even the accounts that belong to the XXXX in which I was only a signature ; I tried calling XXXX and they said is their right and they do not have to tell me why. 
I had all our companies and personal names check with the OFAC DATABASE and we are not listed, we have our accounts at this bank since it was open since we build it in XXXX, we never had a problem and we had balances over XXXX all the time and no cash deposits ; to transfer the accounts we could not transfer over XXXX memorized checks to another bank and it took 3 persons almost 30 days to be able to transfer all the accounts. 
I would like an investigation as to what was supposed to be the preferred interest rate to get all the interest back and the reason we were asked to close the accounts.
XXXX reports to Experian and the date of last payment ( according to XXXX ) is XXXX 2010.  Because it has been 7 years, these accounts should not be reproted to the bureaus. They also should not show on my report. Lastly, i have disputed these accounts becuase all of my student loans are public loans through the governmetn and have been being paid on time consistently. These XXXX accounts need to be removed! XXXX and XXXX has removed them as they saw the age of alleged accounts yet Experian still reports them. This negatively has impacted me when purchasing my home and car, and my auto insurance as well as my Federal Government Security clearance.
My loan was originally serviced by  XXXX   XXXX . I requested several deferments while attending school. I did not realize the impact of these deferments. My original loan balance was {$38000.00}. I have made over 100 payments since   XXXX   totaling over {$36000.00} and now have a balance of {$39000.00}. I have always worked for   XXXX   XXXX   as a s  XXXX   XXXX   and I will soon be  XXXX  in  XXXX . How will I ever be able to pay off these loans?
XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They keep reporting this on my report but they say its no longer theirs I would like it removed.
I just received a statement from the collection company regarding the debt they are referencing from a doctors office. They have called me over XXXX times. The person was nasty on the phone called me a liar was rude, told me I received the documentation and had to give them money immediately. He said they were coming after me if I did n't. He told me all these things were given to me that were n't. I sent them an official cease and desist letter and still they never provided me with what I requested.
My credit card company has been calling my place of employment telling anyone who answers the phone my credit card number, balance, address, etc.
EOS CCA contacted me via phone towards the end of XXXX 2016 claiming to have a debt from XXXX XXXX. They asked for my full social security number, which I refused them. They asked for the rest of my information, and after I asked them what they had on record discovered that all of their information was false. 

Nonetheless, I asked them to validate the debt and I gave them my mailing address to continue to correspond. They sent a letter XXXX 2016 that did not contain any validation, only a request for payment. I responded to this with a Request for Validation letter sent via certified mail, return receipt. 

This letter was not responded to. I contacted XXXX to verify the debt, and they had no information about it. 

Less than 30 days later I discover a claim on my Credit Report, and my credit score was damaged.
I am getting 8-12 calls from the company per day, including them masking their number and not leaving any messages. It starts at XXXX XXXX XXXX XXXX and goes until XXXX XXXX XXXX. I know they're trying to collect payment from me for a {$30.00} balance still left on the card. I intend on paying it off and canceling the card as soon I get the money.
I got a netspend card I activated it on the XXXX of XXXX and on the XXXX my XXXX was deposited and on the XXXX I got a text saying my card was stolen as it was not I had my card and soon as I got off the phone with them my card at a transfer amount of XXXX and netspend saying they will not return my money. Please help
ON XXXX XXXX XXXX WESTLAKE FINANCIAL REPOSSESSED MY XXXX TOYOTA CAMRY. I WAS ONLY ONE PAYMENT BEHIND OF {$350.00}. MY WALLET ALONG WITH MY BANK CARDS, LICENSE, CASH, CLOTHES AND OTHER PERSONAL ITEMS WAS I N THE VEHICLE. THEY ( WLF ) TOLD ME THAT I HAD TO PAY {$50.00} TO RETRIEVE MY VALUABLES. I HAVE TRIED TO TALK TO THESE RUDE AND UNPROFESSIONAL REPRESENTATIVES TO RESOLVE THIS MATTER. THE LAST PAYMENT I MADE WAS ON XXXX XXXX XXXX. PRIOR TO THAT IT WAS XXXX XXXX XXXX. I SPOKE WITH AN REPRESENTATIVE ON XXXX XXXX XXXX. I WAS INFORMING THIS COMPANY OF NEW EMPLOYMENT AND TRIED TO EXPLAIN THAT I HAD A WAITING PERIOD BEFORE I GET PAID. WHICH I GET PAID MONTHLY. I ALSO INFORMED THE REP THAT I CA N'T RECIEVE CALLS ON THE JOB. AND THE REP SAID WE CLOSE AT XXXX AND I TOLD HIM THAT I GET OFF AT XXXX. HE SAID THAT THEY WILL BE CLOSED WHEN I GET OFF. THE REP. SEEMED NOT TO CARE ABOUT THE SMALL LITTLE HARDSHIP I WAS GOING THROUGH STATING ITS NOT THEIR PROBLEM. I WAS INFORMED TODAY BY A REP THAT I CALLED THEM BUT THE CALL WAS NOT MONITORED OR RECORDED. ON XX/XX/XXXX I TOLD THE REP THAT I GET PAID XXXX XXXX XXXX WHICH I WOULD MAKE A DOUBLE PAYMENT {$700.00} THAT WILL MAKE CURRENT. AND HE SAID HE WILL CALL ME AT XXXX. WELL XXXX XXXX MY CAR WAS REPOSSESSED AND HE DID CALL ME ON XXXX XXXX FOR THE PAYMENT. THEY WOULD N'T TAKE THE PAYMENT OF {$700.00} AND DEMANDED ME TO PAY {$1100.00}. 
WESTLAKE STATED THAT WHEN THEY REPOSSESSED MY CAR, THAT I CA N'T MAKE PAYMENTS VIA DEBIT CARD, AND THAT I NEEDED TO FAX A COPY OF ID, XXXX REFERENCES AND SOMETHING WITH MY ADDRESS SINCE I DONT HAVE ANY BILLS EXCEPT THIS IN ORDER TO RECIEVE MY CAR. FROM MY UNDERSTANDING THEY HAVE DECIDED TO TAKE MY CAR HUNDREDS OF MILES AWAY AND AUCTION IT OFF TO GET THE MONEY THAT IS OWED ( XXXX ). WITH THAT SAID, THEY ARE MAKING IT VERY IMPOSSIBLE TO OBTAIN MY VEHICLE. ITS VERY HARD FOR ME GETTING TO WORK, TAKING MY SICK WIFE TO THE DOCTOR, DROPPING MY KIDS OFF AT SCHOOL. PLEASE HELP ME RESOLVE THIS MATTER. I HAVE ENCLOSED A BANK STATEMENT FOR XXXX XXXX. ANY OTHER DOCUMENTS NEEDED CAN PROVIDE. THE CONTRACT IS IN THE CAR. SORRY FOR ANY INCONVENCE.
BANK OF AMERICA IS UNLAWFULLY RE-INSERTING ACCOUNT # **************** AND ACCOUNT # XXXX SEVERAL TIMES OVER XXXX YEAR PERIOD ON MY XXXX CREDIT REPORT WITHOUT 5 DAY NOTICE TO CONSUMER AND VIA CHANGING ACCOUNT DATA, IN VIOLATION OF F.C.R.A.. XXXX HAS ASSISTED THEM IN DOING SO, AND MUST CEASE AND DESIST ANY FUTURE ILLEGAL ACTS. REMOVE XXXX ACCCOUNT FROM XXXX OR PAY FINES FOR DAMAGES.
My mortgage servicing was sold from XXXX to Green Tree Servicing LLC. If you want to make a timely payment ( within XXXX hours ) to Gree Tree, you can only do it by XXXX, XXXX XXXX, or pay by phone. All of those options will cost an ADDITIONAL fee. Green Tree Servicing LLC delays bank to bank transfers for XXXX business days which causes late fees. Our mortgage is underwater and we ca n't re-finance to get away from this company. We are trapped. This is an unfair collection practice that takes advantage of people that ca n't afford to go anywhere else. They are charging additional fees on top of the high mortgage payment that people ca n't re-finance or get lowered, creating additional hardship on homeowners that are already struggling to make payments. Also they do NOT provide any information on the loan other than the past payment breakdown. I have no way of knowing what my outstanding principle balance, escrow balance, outstanding late charges, interest rate or taxes paid to date are based on looking at my statement.
Parking Old Debt On Credit Report - re-aging a debt. 

In XX/XX/XXXX, a new debt appeared on my credit report, and consequently have lowered my credit score. Upon my investigation I found out that this is an old debt that has been re-aged. 
This debt in question was opened in XX/XX/XXXX by XXXX XXXX and an amount of {$430.00} was charged off. 
Re-aging an old debt is illegal no matter when the old debt was re-purchased. From previous response to my complaint, the collection agency is well aware of the age of the debt. Here is their response : " CCS Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX web portal response XX/XX/XXXX The account in question was purchased by Complete Credit Solution , Inc. ( CCS ) XX/XX/XXXX. The account was originated through XXXX XXXX XXXX ( XXXX XXXX ) account number XXXX on XX/XX/XXXX. The last payment date was XX/XX/XXXX. The first delinquency date was XX/XX/XXXX.The charge off date was XX/XX/XXXX and the charged of amount was {$430.00}. As of this date, our office has had no contact with XXXX XXXX regarding this account. I believe his reference to communication at his place of employment or other locations reference in his complaint was prior to our purchase date of XX/XX/XXXX. In an attempt to resolve this matter with XXXX XXXX we are willing to settle this matter for 50 % ( {$210.00} ) of the outstanding balance. If there is an interest to take advantage of this offer please contact XXXX XXXX at XXXX XXXX ''.
A charged off item from credit XXXX bank was reported on my credit. The item was sold to midland credit management and they in turn got lawyers. I got lawyers from the fair trading commission and the item was litigated and settled. MCM removed the item as was asked to. However transunion has now relisted the item from credit XXXX on my account giving it another XXXX yrs until removal and it was already listed for XXXX. I did not initiate this as this was instruction from the lawyers. How is this fair for me? That is the reason my credit score did not move and even went down by XXXX point by transunion. This is victimization of the public by a credit reporting bureau.
I use Nelnet as my provider i switched to the repaye in XXXX XXXX ofcourse at that time the online application requested that I have called and spoken to them multiple times. First off they always tell you no matter what the call is the need 2-5 days to process. second of all they never reach back out to you when they say they will. I called maybe 50 times regarding my application. to confirm everything was correct and was always told everything was correct. I was also told what my payment would be. my husband and I sent in applications at exact same time his was processed. where mine due to many many errors on their end including putting my husband application instead of my own into my account told me they could not process my account so i had to send in paychecks. to make a very long story short they refuse now to calculate my payments based on my agi bc they have my paychecks per their request and demanding I had to submit them and also telling me multiple times not to send in my most update my most updated taxes. In the end they tried to blame me for the fact that they put my husband application into my account. which for one, even if my husband faxed in his application XXXX times why would they put it into my account. secondly, as if i could be on their end and scan it into my account. this complaint is based on the principal that i tried to avoid mistakes and have my application processed in the the fastest matter i could, and called and tried to be patient and most effective clearly their staff is not trained to know how to handle any situation or even give out the correct advice. even the solutions center was rude to me when speaking to him and kept telling me i put my husband application into my own account, the after researching more " suddenly '' found something he missed before that was their fault. make a long story short after prob 10 hours total phone with them and XXXX calls later they still messed up, do n't offer any solution, and now can not calculate my payment based on my AGI until i do my XXXX taxes next year!!!!
Hello, This has been an ongoing issue with CITI Bank since XXXX XXXX. The previously filed complaint number is : XXXX I consulted an attorney -- XXXX XXXX, XXXX XXXX - XXXX ) to work on reaching a settlement with CITI back in XXXX and after at least XXXX reassignments of Agents and 18 months CITI assigned an agent to review the case. 
XXXX XXXX Homeowner Support Specialist XXXX, Extension XXXX ( use leading XXXX ). 
CitiMortgage , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX After numerous communications and providing all needed documents on XXXX XXXX, XXXX we were informed that the case has been referred to a negotiator - Attachment # XXXX. 
Later I was informed that the case had been assigned to a Law Firm on XXXX XXXX, XXXX. 
This is is an small example of frustration that I have experienced with CITI and their mortgage operation.
National Bank of Arizona charged my checking account {$33.00} for NSF fee for a " pending '' transaction. My account was never overdrawn as my payroll check was deposited before the item cleared my account. Even my online statement shows that my account was never overdrawn. I called the bank and they refused to reverse the NSF fee.
My identity has been compromised by theft awhile ago, the after effect still has me compromising with the credit agencies. It's my believe the credit reporting agencies should physically verify any information that report and pass that same information by way of physical documentation to the consumer, if not then the accounts should be blocked permanently and instantly. The following inquiries needs to be blocked from my credit report someone obviously used me information. The following inquiries are XXXX   ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). In addition the following accounts also need to be blocked for the same reason, XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/XXXX )
There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s ) {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.