WillisBack/dataset-financial-user-claim huggingface dataset:
The mortgage company ( Roundpoint Mortgageg ) misread the Flood Insurance coverage dates for my condo and incorrectly determined I did not not have coverage. They subsequently purchased coverage for my condo and the entire association and increased my monthly payment by {$1000.00}.

The coverage is in place via the Condo Association. I have sent the mortgage company the the Flood Insurance policy the condo association has with proof of coverage. They have acknowledged receipt of the XX/XX/XXXX page. I have called numerous times and explained the situation the insurance coverage purchased by the mortgage company be removed and my monthly payment be corrected. I have been told that they will correct the issue and it is still not fixed. Dates below : XX/XX/XXXX - I first called to ask why my payment increased. They stated I did not have flood insurance. I told them this was purchased via condo assoc, They told me to send copy of policy. 

XX/XX/XXXX - Insurance Company sent me a confirmation that a copy of the policy had been sent to mortgage company via mail.

XX/XX/XXXX - I emailed a copy of insurance policy to mortgage company. I also called mortgage company and they said I also needed to submit escrow waiver request. So I also emailed escrow waiver request on XX/XX/XXXX.

XX/XX/XXXX - I received an email confirmation from Mortgage company that they had received the copy of the insurance policy.

XX/XX/XXXX - I called the customer service number and the rep said the account should be updated within 7 days. It was not.XX/XX/XXXX - I called the customer service number and the rep again said the account would be updated in 7 days. It is still not fixed. 


It has been over 45 days since I first contacted them and nothing has been resolved. This was their error to begin with.
I filed a complaint with the CFPB on 2 factor authentication problems. At this point I am completely locked out of my accounts with no way to access anything from the website. So this is a new problem and is much worse than the earlier one.
I mailed letters to every collection agency on my credit report. I had insurance and am being charged for medical expenses. I tried to call and fix the issue, I mailed letters. When I go to dispute every one on XXXX it doesnt allow me to go through because it says I answered the security questions wrong. They are questions like who did I open a car loan with in XX/XX/XXXX and what bank account did I open in XX/XX/XXXX and I dont know if someone is using my name, but I answered all of the questions right and it said my answers dont match their records. This is crazy. I am XXXX years old and XXXX and trying to clear up these crazy and unknown debts and collections and I cant even go through with it. Please someone help me.
On XXXX XXXX, 2017 there was XXXX deposited into my unused Navy Federal Credit Union Checking account. The money was for XXXX XXXX XXXX/XXXX vet but it was an erroneous deposit and just like with any deposit the government makes they try and recall it or they check you later. XXXX has requested the money multiple times only to find out that Navy Federal has without consent transferred it an account of their own choosing. I have never agreed to automatic transfers. If they had not removed the money by the time XXXX came to retrieve it and correct their mistake it would have been known. Also this money is exempt money so it can not be used to repay a debt. I have replied numerous times to them and so has XXXX. They have done this before and I had to call numerous times to get the taken money put back. They have replied back regarding the deposit and keep directing me to the debt recovery department. That 's not fixing the problem that has happened. They first replied to XXXX that the account was closed. Then they reported that they never received the request to return funds.
XXXX sold my mortgage to BSI 8 months ago. I was working on a loan modification with XXXX before they sold my mortgage which was quite time consuming. Then the nightmare of switching companies began. I never received anything from BSI until XX/XX/XXXX. They gave no real information just sent a generic letter saying send money thru XXXX XXXX. I immediately thought this is a scam. After a lot of work on my part I was able to talk to someone at BSI about my loan and XXXX XXXX is who I spoke with and she sent out information. She told me how they were going to help me modification will be speedy process. 

Now it is XX/XX/XXXX and I send all the paperwork in to her and then she tells me I need to send more or it will be rejected by XX/XX/2015 I send everything in before that date and they have it. I get a call saying it is be reviewed by the investors and I will know in 30 days. I hear nothing from them so I call my point of contact XXXX XXXX who tells me I never sent the paperwork in. I tell her I did and received a call. She tells me I am wrong then places me on hold. When she returns she states I was correct and she has the information and will send me out a form confirming she has it. I told her your date will be past the due date and she stated it was just to confirm she had everything from me. On XXXX XXXX I received a call from a seperate department telling me my payment was late and my request was declined. I told the person I was talking to that I had no notification of this and she said XXXX is going to mail it out to you. On Monday XXXX XXXX there was a XXXX envelope with the letter inside and another one saying I will be charge a late fee for my mortgage. My payment was not late and I called leaving a very nasty message. XXXX XXXX called me at XXXX stating she was wrong to send that and that my account has never been late verbally but nothing in writing. I was told I have until XXXX XXXX to dispute their finding. I think it is funny that they give you a week but never do what they promise. They said no because they are using Gross Income and not our Net Income. 

We just want our payment lowered so we can buy food to eat really the XXXX payment has our DTI at XXXX % but they are using the Gross Income of XXXX % to say we are fine. This is not the case.
Purchased a Samung Dryer online at Sears.com. Dryer was never delivered. Received no calls from Sears. Credit card was billed for the purchase. Made four calls to Sears in regards to this, all ending in promises that we would be contacted within 24 - 48 hours with a resolution. Never received a single call from Sears. Issue is now in dispute through CitiBank.
I was shocked when I reviewed my credit report and found late payment on several dates. 
XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, NXX/XX/XXXX 90 days late, on XX/XX/XXXX 120 days late XX/XX/XXXX 120 days late. This is alarming and I am not sure how this happened, I went to a period where I had to refinance but I believe that all payments were made on a timely matter when I received my statements each month. This is not accurate and would request a full investigation to verify the information and refund on all late fees assessed on my account. I have contacted US Bank in writing twice already but have not gotten any response regarding this. I know my rights and according to the FDCPA laws that is more than the allowed time period needed to resolve my issue. Please help
The item listed by HMC group on behalf of XXXX XXXX is not a property I have every resided at. This property was occupied by someone else and was included in a bankruptcy according to the tenant. This is XXXX Case Number XXXX in the XXXX  district of Michigan. It should not be on my credit report.
I have been behind in my mortgage 2 - 3 months on occasion due to lack of income. I have several times requested loss mitigation help. I just need to have 1 or 2 payments deferred to the end of the loan so I can get caught up with my loan payments. They will not help me. I 'm not sure why they would not help me and just want me to continue to be behind instead of deferring the payments. WHY would they want me to continue to struggle and be behind? I need help and hope you can help me to get back on track with my mortgage payment. 

Thank you XXXX XXXX
Fraud charges and temp authorizations on credit card. Called BAC they were no help, hung up, called back and they said call XXXX. Called XXXX they said call you Credit Card company. BAC credit card XXXX has charges on XX/XX/2017 for {$65.00} and XX/XX/2017 for {$40.00}. I am a XXXX customer and do not do business with XXXX. Please remove the charges and reissue a new card.
Amazon said I would get {$50.00} if I applied for a Chase credit card. Chase delayed the card and I have not received the {$50.00}. Chase sent me notice on XX/XX/XXXX, that they needed more information : 1 missing date of birth 2. Proof of billing address 3. A copy of the letter On XX/XX/XXXX I went into a Chase bank in XXXX, Texas and they faxed a copy of my drivers license, which includes my birth date and address. 

I received no response and on XX/XX/XXXX I called and they said they did not receive any information. On the same date I went back into the Chase bank in XXXX, Texas and they again faxed a copy of my drivers license. 

I have not received a response. 

I am XXXX years old.
Medical procedure was paid for by XXXX/XXXX back in XX/XX/XXXX. In XX/XX/XXXX, 5 years post-procedure, we rec 'd letter from debt collector Receivable Management Services Corp., asking us to reimburse XXXX/XXXX for the cost of the procedure ( XXXX ). We wrote them a letter to cease and desist, due to the time elapsed since the procedure, and that it was paid by XXXX/XXXX originally. Seems odd that this is now happening 5 years after XXXX/XXXX paid for it.
I have been struggling to make my mortgage payments of {$2400.00} per month. I have consistently been late, however, I have consistently made them. I am currently only 45 days late XXXX XXXX & XXXX XXXX and I am prepared to make the XXXX payment, which will make me only 15 days late. I am currently paying 7.5 % interest. Suntrust is my loan servicer and XXXX Bank is apparently my loan investor. I have filed all of the mortgage modification paperwork necessary. I would consider any option which would allow me to keep my home ; however, modification of my interest rate was really what I would prefer. I got a call yesterday, from Suntrust, informing me that they would not modify my loan. The only option they gave me was a short sale they did not offer me any other options. 
Unfortunately, because I have liens ( which I am servicing ) on my property, I can not sell the home. Also, because my mortgage payment just want from interest to interest and principal, I am unable to rent my home. Finally, I can not refinance because my credit is so bad. I want to keep my home ; however, I can not continue to make payments at 7.5 % leaving me only XXXX option, which is to fall into foreclosure. If Suntrust and the investor would lower my interest to a reasonable rate I would be able to make my payments in a timely fashion and avoid the monthly penalties and fees that I am being charged ( currently approximately {$7000.00}. ) Additionally, and as a second complaint, Suntrust has repeatedly harassed me by phone. I notified them in writing to not contact me any further. After written notification not to contact me by phone, they continued to call me repeatedly. In fact, they sent someone to my home XXXX evening who left a note on my door telling me to contact Suntrust about my mortgage payment. ( see attached letter XXXX If Suntrust files for foreclosure, I have every intention to countersue them XXXX and XXXX Bank, the investor ) for violation of state and federal law related to their repeated harassment. 
I need help ... .I can make the payments however as long as the interest rate is 7.5 % I will continue to fall behind, continue to incur ridiculous penalties and fees, and will fall into foreclosure. 
I am simply asking Suntrust and the investor to lower my interest rate. I have filed all the mortgage modification paperwork and the only option they gave me as to short sell the home. No other options were given.
Under the new law, effective XXXX XXXX, 2017 any public record data must include name and address as well as a Social Security Number and Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information. Per the new law true Brankruptcy listed does not include this information this and should be deleted from MY credit report. As stated before this does not belong to me and should have never been placed on my report.
After deciding to pay for an international wire transfer from my online BofA checking acct. instead of using my debit card in order to avoid a 3 % of total amount per scheduled fee ( about {$200.00} ), I submitted an amount XXXX ( XXXX ) quite aware that the foreign exchange rate the bank used might be less favorable to me than around XXXX {$5700.00} ( via XXXX inquiry at the time ) but was totally shocked with over {$5900.00} and an untimely advice that " Bank of America, N.A., may make money from the foreign currency exchange. '' This figure was n't shown until after a warning in the submission form that the exchange rate ( whatever that was XXXX would only be valid within 10 minutes so I had to hurry up and subject myself to whatever extra charges they could get away with. No international wire fee XXXX {$35.00} XXXX and no exchange rate transparency nor disclosures before submitting the form! Customer beware!
I received a credit card today from XXXX ' Synchrony Bank that I did not apply for. When I contacted Synchrony Bank 's Fraud department, they refused to cancel the card unless I would give them my social security number. Since I do n't know the " bank '', I am not giving them any personal information other than the card number I want cancelled. They told me to research them & then call back when I would give them my SSN #. Possible identity Theft?
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the FULL Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX please remove any other variations of my name. I have recently discovered that my ID was used in XXXX for fraudulent charges and accounts.

The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
I have been unable to have access to my funds for about two weeks. the online banking statement is stating that i have a negative balance of {$1400.00}. How is this even possible and it is a prepaid card. Rushcard is a very crooked company. I have called for two weeks and the phone continuously hangs up on me.
I pulled my credit report to find that ACS/well fargo had transferred my loan. I 've reached out to them several times into late payments that they are reporting that is inaccurate. they stated that they would fix an upadted my account but what they did was add on more late payments and this looks like i am making late payment to them for a loan that is not even services by them..this late payment are incorrect, and i would like them remove from my file and my files updated to show inaccurate info removed the account never had XXXX late payments
MMI -- Money Management Incorporated has refused to meet with me. It is advertised that they have face to face meeting which that is my choice. 

I made an appointment for XXXX XXXX of this year. A day before the appointment I was told that the counselor would n't be able to meet with me and that they want to reschedule. I was a little upset because I really need to get with someone to help me. I told them to cancel the meeting altogether. 

After that I looked around and realized there are no other reputable debt relief services in my city so I called them back to schedule another appointment. This was for another Thursday ( the XXXX ) and the day before, they called and said they needed to reschedule with the person I was supposed to meet with face to face. They would call me back with another date and time to meet face to face with me. 

Now they are telling me that there are no more face to face meetings only phone counseling. I do not want to deal with my financial future OVER THE PHONE. 

I am very upset with this company and they do not seem willing to help unless it fits in with their schedule. They advertise that they have face to face meetings with clients. I asked them why they did n't have any more face to face meetings and she only said that she can give me a telephone appointment. She would never really say why I could n't have one.
I would like to file a dispute concerning a balance of {$58.00} on my XXXX and XXXX credit card account, managed by Comenity Bank. 
This amount includes two late fees of {$27.00} plus two minimum finance charges of {$2.00}. 
It is for a payment I made on XXXX XXXX at XXXX for {$28.00}. The payment was due that day. I would like to file an official complaint that there was no hour deadline on the first page of the bill where the XXXX XXXX amount is stated. It simply says the amount should be paid on a specific date, XXXX XXXX. As we all know, every day has 24 hours and so according to that detail, I had until 11.59pm to make the payment. 
Again, the first page DOES NOT tell clients that the amount has to be paid on a certain hour. Anyone paying online, which includes most people, would have no idea they have to pay by a certain hour on that day. 
In fact, the only place in the bill in which the DEADLINE HOUR of 8pm is stated is BURIED in tiny letters at the end of the page on the reverse side. That is absolutely misleading for any consumer. 
A few weeks later, XXXX claims it sent me a letter statement with a late fee amount of {$27.00}. I did NOT receive this letter. The company claims it had sent it but can not prove I actually received it. I did NOT receive it. Additionally, it sent me another letter afterward with a late fee on top of the late fee ( now totaling {$58.00} XXXX I also did NOT receive that letter. XXXX has no way to prove that I had received it. I did not receive EITHER letter. Therefore, I couldnt be notified of these amounts. 
I spoke to a Comenity representative named XXXX on XXXX XXXX, who refused to waive the extra fees. 
I request that the whole amount of {$58.00} be waived. I understand that a late fee was already waived in XXXX, and that there is a limit on waiving only one late fee every 18 months. 
However, this is an exceptional case in which I actually paid the necessary amount on the required day, was not properly notified I needed to do it by a certain hour, and did not receive the necessary correspondence about the late fees. I would also like to file an official complaint that an hour deadline be placed at the first page of the bill where the XXXX XXXX amount is stated to make it clear for customers in the future. 
I refuse to pay these late fees and will take this dispute further should my side be rejected. 
I demand that all {$58.00} in additional fees be canceled. 
I also ask for a provisional credit to cover the {$58.00} while this dispute is pending, and for no further late fees to be incurred.
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by JP Recovery Services , Inc. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
I received a letter from XXXX XXXX regarding my application and the stated my application was denied becausedthey could not get my information from XXXX and Equifax. 

I contacted both agencies and they did not receive a inquiry from XXXX XXXX.
On XX/XX/XXXX I was contacted by a representative of Frontline Asset Strategies about a debt owed in the amount of {$1000.00} for our XXXX XXXX account dating back to XX/XX/XXXX. So I am not sure what this bill is for. We were getting foreclosed on at the time and were able to do a loan modification and not loose our house. Our home loan was taken over by XXXX. I thought all the debt was taken over by XXXX. Frontline can not tell me what the bill is for, only that it is from XXXX.
mission financial sued for the remaining amount on the truck for XXXX then they reported XXXX on the credit report. they are displaying unfair debt practicies by re-aging the debt and changing the amount owed. Everytime I call they give me a different amount but they put XXXX on my credit report. They clearly have violated [ XXXX XXXX ] subsection XXXX ( XXXX ) my mis-representing the amount owed.
Got behind in payment, the property went into Bankruptcy. the lender got relief from stay. Now I 'm able to bring the loan current, lender/servicing company will not sent escrow or my self reinstatement and the sale date is XXXX/XXXX/2016
I purschased a car from Carmax back in 2013 and have not even had the vehicle over 24 months and the transmissioon has been replaced twice by XXXX which carmax is contracted with and transmission was replaced again 3 months later and i 'm still having technical difficulties with the vehicle the transmission still signaling transmission hot idle engine, however I believe Carmax may have sold me a bad vehicle when i purschased the vehicle it had about XXXX miles and now well under XXXX again the vehicle should not have given me major problem in so little time, i believe i was leased a bad vehicle and would like a replacement car or refunded some of my money back for dealing with the issue and i do n't want to move forward with the same problem after it reached the maxium mileage and not covered under warranty.
I am having HUGE issues cancelling Experian Credit report service. I have tried numerous times between XXXX XX/XX/2018 to XXXX XX/XX/2018 to call the numbers provided as well as send emails to XXXX to get my recurring billing canceled. Each phone call they say I have over an hour and a half wait time, sometimes even 2 hours. They have not responded to my emails and there is no other way to cancel online. I DO NOT want this service to continue to charge my credit card XXXX dollars a month for something I get for free through my credit card service. They are IMPOSSIBLE to get a hold of and from the XXXX reviews and other reviews online I'm not the only person having this issue by a long shot. I have since called my credit card to have them put a block on this service but would really like to cancel it though Experian.