WillisBack/dataset-financial-user-claim huggingface dataset:
I have been with Bayview Loan Servicing Company since XXXX 2013. I currently pay my homeowner premium and taxes in my monthly mortgage payment. On my most recent mortgage statement, I was charged a fee of {$75.00} for " rec corp advance ''. When I called the customer service dept, I was told that this was a corporate advance fee due to insurance verification. They had no other details regarding this fee. I called the insurance dept at Bayview, who had no history of any kind of bill that was paid on my behalf to the insurance company for this. I also talked to my homeowners company who stated they did not request, or complete, an insurance verification and did not bill my mortgage company. I called back the customer dept at Bayview who again said this was a corporate advance fee and advised me to fax or email Bayview requesting a breakdown of these fees, which is absurd. Why should I have to email or fax a request to find out why they are charging me a fee? I would expect the customer service rep, and especially a supervisor, to know this information. I asked the rep for a copy of the bill, which she could not provide. The rep spoke to her supervisor who also could not provide me any information on this fee. Again I have been with Bayview for 3 years and I have never had a charge like this and I have never had any inspection from my homeowners company. This fee does not seem to be legit due to the fact that no one has any answers for me and could not provide me with any kind of proof. I am very upset and do not know how a company can just place a fee on my statement and expect me to pay it when they do not have any proof that any kind of verification was done or any bill showing they paid it. This company has been a headache and they are always very unprofessional when calling in to speak to customer service. 

They are also charging me a {$20.00} fee for a payment that was late due to the fact that the bank account information was entered wrong. I requested to have this fee removed since we have never been late and this was an honest mistake ; however, this was denied. How can a company not even give a courtesy fee removal one time for a customer who is in good standing with their account?
My Info was affected by the XXXX  breach. I contacted transunion and creditors in regards to inquirer that i didn't authorize even sent in information confirming i was affected. After to speak with several rep and supervisor they stated nothing could be done to remove the inquires. So this is why i reaching out to you
XXXX and XXXX issued me a credit card from XXXX XXXX  I have never once used this credit card however they are reporting a balance of {$820.00}. 

Incorrect information and I want it removed from my credit account they are reporting bad things on my credit report
FEDLOAN servicing is refusing to respond after 3 months of waiting ... and continues to report and refuses to do anything but " SERVICE ME " when asked to simply provide validation they have responded with silence for 3 months but will not remove the item from report. I asked them to prove who they are, and they have not STOPPED sending me notices about how much I owe, and here I thought that the FDCPA and the FCRA say stop all collection until the dispute is finished??? HELP!!!!!!!!!!! I have been forced to place a fraud alert on my report and have contacted FTC ... I have recording of the treatment I suffered at their hands.
Generally, they will draft all the interest payments, but REFUSE to draft when I am trying to pay a lot more to reduce my loan principal ; they always act completely confounded, while they are willfully defrauding me, they keep charging exorbitant costs for their actions not mine
A letter was sent from ERC to an old address of mine claiming I owe money for a debt to XXXX. I have never had a XXXX account and never owed them any money, nor have I ever been sent any bill by XXXX, even at this old address. So I suspect ERC or someone else is committing fraud.
I had XXXX XXXX XXXX XX/XX/XXXX at XXXX 's XXXX 's XXXX XXXX in XXXX, Kentucky. My XXXX was approved for this XXXX and I called XXXX to let them know I had received a letter showing my acceptance. I also took the letter to XXXX financial office for them to make a copy. In XX/XX/XXXX I looked at my credit report and found I had 2 accounts from XXXX for non-payment. One was from XX/XX/XXXX in the amount of {$3700.00} from XX/XX/XXXX. The other was from XX/XX/XXXX in the amount of {$520.00} from XXXX XXXX XXXX for my son, who was covered by XXXX at the time of these tests. I contacted the local XXXX office to discuss the account not being paid. The XXXX office printed out paperwork for me to show XXXX of our coverage for these charges. When I took the paperwork to XXXX financial office, they told me XXXX would not pay them because it had been over a year. I returned a couple times and was told there was nothing they could do. I sent my information to XXXX, XXXX, and XXXX. No response from XXXX, XXXX said nothing could be done, and XXXX returned my envelope unopened. I have tried many times to get this settled, but have had no luck.
RECEIVED THE WRONG INTEREST RATE FOR MY MONEY MARKET ACCOUNT. OPENED THE ACCOUNT IN XXXX XXXX FLORIDA IN XX/XX/2016. MOVED TO OHIO IN XX/XX/2016. HAVE BEEN RECEIVING THE FLORIDA RATE FOR TWO YEARS, AND I WANT THE CORRECT INTEREST RATE APPLIED TO MY ACCOUNT. BANK TOLD US THAT WE WOULD HAVE TO CLOSE THE ACCOUNT AND REOPEN IT. WOULD NOT MAKE UP CORRECT INTEREST.
I obtained XXXX separate private education loans from XXXX XXXX XX/XX/XXXX ( {$18000.00} ) ; XX/XX/XXXX ( {$20000.00} ) ; and XX/XX/XXXX ( {$11000.00} ). The Promissory Note for each loan indicates that the variable interest rate is calculated as the 3 Month LIBOR, plus a margin ranging from 1.70 % to 4.30 %, as " identified in my Disclosure Statement, '' adjusted quarterly. The Disclosure Statement is a separate document from the Promissory Notes, which do not state the amount of the margin applicable to my loans. 
My loans have been transferred to and are currently serviced by ACS Education Services. 

Despite multiple attempts, ACS is unwilling or unable to provide copies of the Disclosure Statements with respect to my loans and has indicated that they do not have copies of the original Disclosure Statements in their loan files. Written requests were made on XX/XX/XXXX, and again on XX/XX/XXXX. Multiple phone calls have also occurred in which ACS indicated it will request copies of the original Disclosure Statements from XXXX XXXX and forward them to me. Instead, ACS continuously resends copies of the Promissory Notes. 

Nonetheless, ACS is applying a 3.75 % margin rate to each of my loans without any documentation to support that this is the correct margin rate.
Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX I make a {$1000.00} purchase of XXXXXXXX Points   and never received back my 20 % ( usd {$200.00} ) discount. I wait about 3 months, call customer service many times and never received my benefit.
XXXX 2008 I was forced to return my car to Porsche financial. Per CA statutory law, Porsche was then required to 1 ) give me notice and the ability to reinstate my loan, 2 ) give me the address of the auction. Porsche did not do any of the required items necessary to collect a deficiency balance. I have disputed the collection of the deficiency balance for three years. I have sent Porsche and all three credit reporting agencies a dispute asking specifically for a copy of all notices sent to me regarding the loan and repossession. Porsche has not sent me copies of any of the statutorily required notices that they had to send me before they could legally collect a deficiency balance. 
Finally I received a statement from XXXX where the history was removed, yet, they still continue to report a balance that is not accurate.
This company, XXXX XXXX XXXX XXXX, is charging me an exorbitant amount of interest on my latest bill. They claim I sent my payment of {$25.00} late in XXXX on the XXXX. However I have the bank statement that shows I sent it on the XXXX, which was before the due date. In XXXX, they did not send me a bill in the mail for some reason. So, I did n't send in a payment since I thought I was caught up. Now, in XXXX, they send me this bill that shows all these late fees and that I now owe {$120.00} by XXXX/XXXX/15. This company attempted something similar in the past against me, and I believe they purposely did not send me a bill in XXXX, then they blame me for not sending a payment, in order to extort more fees out of me. I have to assume I do n't owe anything at a given time if no bill comes in the mail. Had they sent me a bill in XXXX, then this situation could have easily been avoided.
tried calling all 3 bureaus and explain that my id was used fraudentley to open inquiries on my report and would not help remove them both company and credit bureaus refuse
I opened a mortgage with XXXX in XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While deploying and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately XXXX and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at one point to they repeatedly needed more information and customer service liaisons switched on my account. In XXXX I retired and they gave me a 1 % interest rate for 36 months so I made partial payments. I was declared 100 % medically XXXX and in my transition my military check was behind and I have a XXXX child who was in ICU. I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and XXXX directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$210000.00} yet they are still reporting to the XXXX the old XXXX of XXXX giving the impression on my credit report that I am over XXXX dollars which is not true.
I applied for a Capital One Venture credit card. When I received the card and called the number to activate it, it said that there was a fraud alert, and I was sent to their fraud department ( which is werid since the card was n't even active, but upon further research I discovered that this is standard process for them ). When I finally got to someone they said I had XXXX options 1 ) to fax or email copies of various documents including my social security card, pay stub, license, and birth certificate, but they admitted this process could take months since there can be a back and forth if the image quality isnt to their liking or I could 2 ) Go to any local bank, call Capital One and hand the phone over to a bank representative so that they could verify my identity. I was strongly encouraged to follow the XXXX route, even though it sounded sketchy and unprofessional since they had no agreement or arrangement with these banks and were putting the customer through an awkward process. After arguing with them about how scammy and unprofessional the process was, I decided to just try it, and no suprise XXXX XXXX XXXX said they thought it sounded like identity theft and they wanted no part in it, and actually thought I was trying to steal information from them. That was the last straw, I called Capitol One to cancel the card and be done with them, but they said that I couldnt cancel the card since there was a fraud alert, so I still needed to send them copies of all of my private financial documents or visit another bank branch hoping they would play ball. This feels like a scam, and if it isnt, its unfair treatment of a customer, and they are asking for a lot more information than they need and doing god-knows-what with it. I dont trust this company with my info and regret falling for their airline awards sign-up bonus trap. This is such a problem that their is a website dedicated to it ( which I would have done more research on this ) XXXXXXXXAfter hours on hold and being passed around and refusing to give my information to cancel, I finally got a manager who would do it. Now my credit score will be hurt by canceling a card within 30 days, can anyone help with this?
I want the CFPB to protect me 1. I DO NOT OWE Select Portfolio Servicing {$260000.00} 2. I did not owe the XXXX XXXX the money I paid them. 
3. I did not owe XXXX the {$53000.00} balance for which they foreclosed on my property 4. They had no right to foreclose on my property for a XXXX bank loan I paid off in a mortgage on my house. 
5. There was no XXXX loan they took MY money to pay off XXXX. Now I 've paid back my credit money with interest paid someone else that did n't give it to me and it was still in the mortgage on my house I paid again. 

I have paid {$540000.00} cash to my first mortgage I have paid XXXX separately to the second mortgage I paid an extra {$45000.00} to a VA loan no one gave me. ( I paid off my buyers loan ) I paid the balance AND {$130000.00} to the XXXX loan before they foreclosed I have paid at least double taxes and insurance on XXXX properties. XXXX of which I did not own. 
I have paid off XXXX thirty year loans in 15 years. 

Amount borrowed XX/XX/XXXX someone gave me {$47000.00} for my duplex XX/XX/XXXX someone loaned me {$210000.00} for my house XX/XX/XXXX someone loaned me {$38000.00} I have paid {$850000.00} in cash, a duplex and a {$270000.00} payoff statement for my {$270000.00} house. 

{$540000.00} to XXXX for {$430000.00} {$100000.00} {$840000.00} to XXXX XXXX XXXX for {$740000.00} {$85000.00} {$580000.00} to XXXX for XXXX XXXX {$69000.00} to XXXX XXXX for XXXX {$48000.00} XXXX total paid. To house XXXX principal XXXX due XXXX owed XXXX paid. 
They owe me {$130000.00} on the first {$45000.00} on the second ( XXXX ) Or XXXX {$180000.00} for my duplex And the {$270000.00} we do n't owe XXXX {$49000.00} field adjustment = XXXX escrow disbursed since XX/XX/XXXX Or XXXX for XXXX properties since XX/XX/XXXX. 
{$32000.00} field adjustment = duplex balance? 
Or XXXX x XXXX + XXXX paid to XXXX Regardless count {$150000.00} paid to house. 
And {$130000.00} to duplex + XXXX overpaid to XXXX {$300000.00} + XXXX not owed XXXX paid to house pays XXXX 15 year loan. 
{$250000.00} - XXXX escrow they owe me {$170000.00} XXXX? 
They owe me another {$130000.00} for my duplex Escrow on duplex? They owe me another {$27000.00} less XXXX escrow disbursed at XXXX {$310000.00} XXXX do n't owe {$580000.00} is how much somebody owes me
XXXX XXXX XXXX of XXXX, Va. struck up business with me XX/XX/XXXX. A contract agreement was set in motion. I gave them a cancelled check to debit my XXXX XXXX XXXX acct for {$39.00} onthly. THEY FAILED to have a functional office staff to get the payments started. They began a draft to my acct. on XX/XX/XXXX & XX/XX/XXXX, nothing in XXXX. Why? Turned me over to a collection agency : Hillcrest, Davidson, & XXXX. who have called with harassment, etc.since XX/XX/XXXX each day ( XXXX times/day ). I had surgery on XXXX, had my daughter to fax cancelled check copy, copy of drafts from my checking acct, copy of orig. contract. Now that I HAVE defaulted on contract ... things have " accelerated '' and I owe {$3500.00}. Or, I possibly can reinstate for {$560.00} by XXXX XXXX. These people target XXXX customers ... with whom I was with before XX/XX/XXXX. I believe they target XXXXXXXX/I am XXXX ... XXXX customers in the hopes they we do n't notice their lack of business skills & get caught up into the mess I 'm in. This happened to a friend of mine ( XXXX yr old XXXX customer ) who lives in the northside ... but she could n't talk when approached because she is her mother 's caregiver. She told XXXX to come back " next week ''. In the meantime she called XXXX and was told what has been going on. When XXXX returned she had her cell phone ready & recorded the exchange & says she too the salesperson 's picture. She told him to get off her property & told him never to return. She was spared this mess. I have apologized to XXXX ... twice & I want them back ... if I am ever able to get out of this! The lie was " upgrading to wireless '' & save a little bit of money ( from {$43.00} to {$39.00} monthly ). What are my " rights '' in this " set up ''? XXXX & XXXX ... installers & monitors seem to have it all in their court.
I filed 2 disputes on XXXX XXXX a debt collector reporting to Equifax in XX/XX/XXXX both came back as allegedly mine. I left it alone infrustration. XX/XX/XXXX I made contact and requested updated report from Equifax on XX/XX/XXXX. Recieved the report and called with a list of inaccurate information including XXXX XXXX {$320.00}. I called on XX/XX/XXXX to confirm seen changes and the dispute under investigation. In XX/XX/XXXX I became homeless and inneed of credit for housing which was denied based on the XXXX account. I've made several attempts calling every agency involved at this still remains on my report. XXXX & Equifax would not provide disclosure statement that my rights give me permission to. XX/XX/XXXX most recent report does not disclose the information being used against me with XXXX. They advised they would have to make contact with the original debter ( XXXX ) who sold the debt to these agencies. Equifax will not ackowledge the law & remove it based on the lack of information and several attempts to fix this matter even after providing Ftc report & letters from your department XX/XX/XXXX they say they have no recollection of your forwarded complaint from me. I have a response that contradicts the facts they alledge.
Regency finance came to my house twice now and threatened me with wage garnishment. If I did not pay. They call about 10-15 times a day.
I have experience this 3 times inside of 2 years with 3 different carriers as my XXXX condition required 2 moves. 
This was a XXXX where I purchased the phones that claimed they would work in XXXX they did not- although there map of coverage and customer service claimed it was within the coverage areas. 
Purchased cell phone plan- cell phone provider was unable to meet the requirements of data services, coverage. Numerous calls to report missed calls, dropped calls, poor service or no service in areas that they claimed had service coverage. 
After months of calling customer service and complaining I cancelled my contract due to them not holding up there end of the contract- at that time I was told I could not do that and they would take immediate legal action. 
I figured since they said they were taking me to court I would n't have to do any of the filing and it was on them- surprise it went to collections.
I made an online purchase for website service. I was unhappy with how the process was going so I asked for a refund. I did n't hear back from the merchant so I disputed the charge though Chase. After a couple of months my claim was rejected as more paper work was needed. I was able to redispute the case after sending in further paperwork. I received no updates for months and had called myself weekly. After the deadline for the merchants bank passed I received a notice that I again had lost the dispute.
From there I contacted the merchant to try to work out receiving what I paid the {$1600.00} for. They informed me that I indeed won the dispute. They also provided me with paperwork on the matter showing that I had won.
I called there bank which is  XXXX  and to my surprise  XXXX  also confirmed that I had won the dispute. They told me I needed to speak with a higher ranking team member at chase to resolve the case as there was nothing they can do because I won the case and chase needs to remove the funds from limbo and apply them to my account.
I have spoken to chase many times in the last couple of weeks but have been unsuccessful in speaking to a team member that can help.
I informed them that if a case manager could n't get back to me in a timely manner I would be reporting them to the trade commission and here I am.
Please Help!   XXXX   XXXX
Originally contacted by XXXX on XX/XX/XXXX regarding $ XXXX owed due to auto accident I was involved in two years prior. Representative XXXX advised if I did n't pay immediately that I would lose my license. After calling back we came to a payment agreement because I was scared to lose my license. I was not made aware of my rights in disputing this debt and it has taken several calls to get any type of straightforward information from this company. 

At present time I am still not clear on what my rights are as this is a bogus medical claim from an accident that occurred two years ago. I was never contacted by the auto insurance company XXXX that they were pursuing subrogation, nor was I ever contacted by the other parties attorney 's XXXX XXXX XXXX It has taken 3 months of dealing with XXXX to put together enough information to dispute this bogus claim. 

On our original contact XXXX gave me the false impression I had to pay XXXX immediately to avoid losing my license. In follow up conversations that amount was lowered and I was put on a payment plan I never would have agreed to this payment plan without being given false information.
I have a checking and saving account through Wells Fargo. Now, I have been very busy through a personal emergency that I am dealing with. Therefore, I have money in my savings account but due to this traumatic event did n't transfer my money into my checking account. Although, I did n't do this my Wells Fargo representative told me the two accounts are linked. So, if I am too low to do a transaction from my checking account, my savings will automatically withdraw to cover the transaction. The only problem is if this transaction takes place, I am also hit with an overdraft fee. Unfortunately, I was not informed of an automatic overdraft fee inclusion in the transaction. My complaint is if my checking and savings accounts are linked why do you also add an overdraft fee. I actually have money to cover my transactions but now I have a double or even triple charge as well. The transaction date of XXXX XXXX, 2017. and shows up on XX/XX/XXXX and XX/XX/XXXX statements.of 2017. I called to ask for a courtesy reversal. They said no. So their idea of linking the two accounts in actuality is n't true. They said I did n't have money in my checking account. So, the overdraft fee took place. I told them that 's why I have a savings account. There is actually money to cover my transactions. So why the extra fee. This to me shows shady under handed practice. I feel this needs to be looked at and corrected. My phone number is XXXX. My information can be sent or email upon request since this involves my personal and sensitive information about my checking and savings account. Your consideration in this matter will be greatly appreciated also thank you for your help in this matter.
I seen a collections on my credit that is not mine. I didnt open this account. Someone else opened it in my name. If I have to I will get an attorney to get this account removed.
I have an auto loan with BMW Financial Services, I 've been trying to remove XXXX 30 day lates that are on my credit report. I received a copy of my payment history reflecting the payments they received from me but they are not correct. I would like assistance from CFPB in solving this matter and having these lates deleted from my credit.