WillisBack/dataset-financial-user-claim huggingface dataset:
- On XXXX XXXX, 2017, I mailed a cashiers check, along with a letter indicating that it was to payoff my account ending # XXXX with Synchrony Bank. 
- On XXXX XXXX, 2017, I received a call from my bank stating that they just received a call from a XXXX XXXX in Maryland who received a letter from Synchrony Bank and my check. He stated when he contacted Synchrony Bank not knowing what the check was for, he was told to contact the bank the check was drawn on. 
- I immediately contacted Synchrony Bank upset that they would send out my payoff check and information out to someone I did n't even know. The customer service rep insisted that they would never do that, and that I must 've sent the check to XXXX XXXX. After 32 minutes of going back and forth, and the customer service rep not acknowledging that this was an issue as far as securing my personal information, insinuating that this was my fault and I should make a payment online and denying that this would even happen, I gave up and ended the conversation. I felt that the customer service rep was handling this as if I were lying based on the fact he could n't even realize that his explanation did n't make sense. 
- On XXXX XXXX, my bank received the check back from XXXX XXXX along with the original letter from Synchrony Bank. I 'm grateful that he was nice enough to send it back so I could then deposit it in my account and payoff the account online. Mind you, I sent this payment on XXXX XXXX, and because of their lack of prudent procedures, and disregard for customer information, this account was delayed in being paid off by almost a month ( I made a monthly payment in between all of this so I would not be late on any payments ) I do n't know what angered me more, what they did, or the treatment I received from customer service. Either way, both are unacceptable in my eyes.
I have a school loan with a company out of Kansas that was called Educational Computer Systems Inc. or ECSI, now they are known as Heartland ECSI. My current balance is XXXX. The last statement I received from them is a bill stating that I am 30 days past due. Which came as a surprise to me, because I am supposed to be " in-school '' status. I am currently attending The XXXX XXXX XXXX XXXX online. I did have to drop from full time status for one semester because of the class schedule they have worked out for me. I have tried to get in contact with ECSI once I realized this and for the past week on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to no avail. I have tried by phone, by chat and by their site. Apparently their site is down. I can understand the site being down, but what about the phones? Ive put my number on their list to call back three times, ... nothing. I was on hold for over an hour on the XX/XX/XXXX too. I ca n't help but think that they are n't doing every  thing that they can to keep in contact with their borrowers.
On the XXXX of XXXX, 2018, I was looking through the process of what it would be like to have a co-signer help me apply for an auto loan through JP Morgan Chase Bank. When I was looking through the process, the computer randomly froze and a message popped up saying Were sorry, this part of our site is unavailable right now. 
I thought nothing of it, but then when I went to check my account, I had a hard inquirie from it, regardless that I didnt E-sign anything or that it didnt even go through. 

After looking, I see now that I have more than one inquirie from Chase Bank like this one that I never consented to or knew would happen, which I find to be very misleading. The Auto Financing option should not give you hard inquiries by simply looking through their cars, options, and processes. Now I have hard inquiries on my account from not even applying for the loan.
My Mortgage Company - Freedom Mortgage has reported that I did not pay my XXXX 2017 Mortgage payment. I did pay my XXXX Mortgage payment and they immediately cashed my check although they state there was an increase in my impound account, which I was not notified of. After numerous phone calls to resolve this issue it appears to have been a bookkeeping/automated check deposit error. Yes, apparently my impound was increased in XXXX, I was not made aware. They deposited my XXXX payment which is made automatically through my bank. Also XXXX. Each month my payments are made on time and I had no reason to believe that there was any problem. They are saying I did not make my XXXX payment due to the increase my check was put into a " suspense account '', but cashed immediately and NOT APPLIED to my account. They then reported to my credit history that I did not make my XXXX payment. I have spoken to several people within the company, most recently Vice President XXXX XXXX at XXXX. He is in California. He said his Correspondence Group is denying retraction of the bad credit for non payment. Also today 's recording of my amount due is different than what my recent statement indicates. I have bank statements showing all payments made in a timely manner. Please help me. I have an FHA loan and was getting ready to refinance to a Conventional loan. I have over {$300000.00}. in equity in my home and have owned it for 14 years and never missed or been late on a payment and was n't this time. 

Thank you for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX
I had a credit card and check in account through Wells Fargo. I closed my check in account and credit card. I have called them at least XXXX times every time they leave something out. Today I logged in and I found out that they have added another {$50.00}. I had to call them and found out that was a " reward account ' which was not closed properly. Wells Fargo is a corrupt bank. Should be investigated.
I 'm so frustrated with this company. First off we had an amazing company that sold off our loan to this one and we were XXXX overseas. 

Immediately, i had issues paying online so had to call in our payments monthly, which I had to pay an additional {$15.00} just to pay by phone. When I FINALLY was able to get a real customer service rep on the phone he had an extremely poor & aggressive attitude and when I stated we 're military XXXX  overseas and surely we were n't the only customers of theirs that could not access the website he stated " Well obviously NOT, our website is for US residents only ... '' Like who thinks it 's ok to talk to someone this way? So because we were XXXX overseas we get penalized by LoanCare and forced to pay additional fees just to make mortgage payment?! 

I am currently trying to pay our bill, we now live in Hawaii and able to access the site online but for 3 solid weeks I have not been able to get a single person on the phone. I get prompted to leave a number and the next available team member will call but I 'm certain they just dump that list and never call anyone back. I have sent multiple emails with no response other than an automated reference # that the email had been received. 
I wish we were in a position to refinance with someone else. This is completely absurd. 
I have reset my password 3 times and still it 's telling me that it is incorrect.
I recieved XXXX dollars into my paypal account on XX/XX/XXXX when i tried to transfer it into my bank account i was told i had to wait 24 hours. I waited and tried again. I was then told to wait another 24 hours. Today XX/XX/XXXX i wad told i was no longer able to do anything with the money. I have called over 50 times and they will not release my funds.
I have a mortgage with Ocwen and I believe that I have paid more into this mortgage then is required to be paid in full. I have had the same loan on this house since 1998 and believe it should have been paid off by now. Is there a way to find out if my payments have been applied properly by this company?
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 90 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
I have a credit card through Wells Fargo for XXXX Flooring. I made a promotional purchase for slightly over {$3000.00} with a 12 month no interest promotion. In XXXX 2016, I owed {$130.00} for that promotional purpose. That promotional balance is due by XXXX XXXX, 2016. On XXXX XXXX, 2016, I made a separate {$2000.00} promotional purchase under a 12 month no interest promotion.. I made a {$130.00} payment on XXXX XXXX, 2016 which would have paid the initial promotional balance in full. Wells Fargo has applied over {$120.00} of that payment to the later {$2000.00} promotional purchase and is now demanding an additional {$120.00} payment by XXXX XXXX, 2016 to avoid being charged interest for the entire initial promotional balance. Is there any legal recourse against this flawed allocation of payment to a later promotional balance which will force me to make an additional {$120.00} payment above my {$130.00} payment?
FILE COMPLAINT ON EQUIFAX CASE #  XXXX  NO NO YOU DO NOT GET TO INVESTIGATE AGAIN YOU FAILED TO COMPLETE THE INVESTIGATION TH E 1ST TI ME WITH IN THE FCRA 30 DAYS THAT YOU HAD TO INVESTIGATE I 'M GOING TO NEED YOU TO DELETE THIS ASAP Dear  XXXX , Your most recent Equifax reinvestigation has been started. This process can take up to 30 days to complete. For faster delivery of your results, you can now receive the results of your investigation online.   To accept receipt of the results of your investigation online, please click on this hyperlink :   XXXX   XXXX   XXXX     XXXX  Any reinvestigation that you have created within the timeframe of this request will be available for your review online upon completion.     We appreciate your help as we work together to protect our environment by going green and increasing your account security with electronic delivery.     To allow us to protect your privacy and deliver prompt service, please visit our website. If there are items you believe to be incorrect, yo u may be able to initiate an investigation request via the Internet 24 hours  a day, 7 days a week at :   XXXX   XXXX   XXXX   Using the Internet to initiate an online investigation request will expedite the resolution of your concerns.     Unsubscribe : If you do not want to receive these emails, please click on this hyperlink to unsubscribe :  XXXX  :  XXXX ?  XXXX  Please DO NOT REPLY to this email as this is a system generated email and will not be read.     Thank you for giving us the opportunity to serve you,   XXXX   XXXX   XXXX   XXXX
In XX/XX/2018 I received a letter from Pennymac stating our monthly payments would go up due to a shortage in our escrow account. The letter stated to tear off the bottom of the letter and send a check for almost 2000.00 in order for the monthly payment to stay the same. I tore off the coupon, wrote a check and sent it in. Since then the money went into the account but not toward principle / interest and not toward escrow. I have called 3 times, spoke to supervisors, was promised call backs I never got. My money is not in my account, my payments did not go down and I feel like this company does not know what they are doing. I want my account to now be audited for miscalculated overcharged interest as well as for mistakes on their part. I want my escrow money deposited into my escrow account and my payment reduced. I am attaching a cashed check that shows it was written XX/XX/18 and deposited in early XX/XX/XXXX. It is now XX/XX/18 and my account needs to be corrected.
I believe I am the victim of a wrongful auto repossession. I had difficulty paying my auto loan, NOT because of inability to pay, but because of problems with the bank 's bill payment system. I was told this would be resolved, but it was not over several months. I received only the first paper bill ; subsequent electronic bills were emailed, but the embedded links did not work. I was not able to pay the bill online, or at local banking centers. My car was taken from my driveway in the early hours on XXXX XXXX, though I gave up keys willingly. I did not receive any notice of default, nor of repossession. I have since paid the payoff balance for the loan ; however due to excessive storage fees, I have been unable to retrieve the car. I have exhausted funds to rent a car and plan to file for replevin and money damages as quickly as possible. Additionally, I would like to lodge a complaint with the CFPB.
TransUnion continues to report incorrect balance for a XXXX XXXX Card account in the amount of {$190.00} since XX/XX/2018. This balance should be XXXX DOLLARS and I have been unable to get it corrected through the direct dispute process. XXXX  shows the correct balance which you may use to compare reports with. Thank you for your help.
I mailed in a payment to capital one and I believe they withheld it to force me to pay late fees. 
as a result I now have a late payment reporting for the month of XXXX XXXX 2017
Bank of America closed my credit card account at some unspecified time without notifying me. I 'm not sure when, but I paid off my balance last month. When I called to ask why they closed the account they said it was because I had n't used my card in 60 days and they were n't receiving money from me. They reopened it, but until I receive a new card, which they estimate will take 2 weeks, I ca n't use my existing card even though apparently my account numbers, etc. are all the same.
Dear XXXX ; Complete failure again by your company leaves me both powerless and victimized. 
This note is to inform you that yet again Green Tree fails to keep good accounting records and provides zero customer service. 
I have no faith in your ability to carry out basic business practices and repeat my request to please sell my mortgage to another company that may value me more as a customer. 
For anyone unaware of what has happened and continue to happen. You need only to look at statements dated XXXX/XXXX/2015 & XXXX/XXXX/2015 where the principal balance remains exactly the same. Please note the amount due in both statements are vastly different. This is a clear action by the company to withhold my payment to gain more interest. How is the evident? The company gets automatic payments twice a month from my bank account and has for many years. It should be impossible for there to be a late payment or for the principal balance to remain the same from XXXX statement to the next. I 'm making XXXX payments within a billing cycle and Green Tree withholds the payment for financial gain. That is theft. 
Most recently I contacted your customer service phone line where a representative could not explain the error in statements. She claimed a corrected statement would be sent to me within 3-business days and that would have been XXXX XXXX, 2015. It has yet to arrive. When asked how I could trust the value on the pending statement to be accurate since the last one was not, she could not provide an answer. Upon my request she transferred me to a supervisor and that line never led to a human answering the line. 
A copy of this note is being sent both the Federal Trade Commission & the Consumer Financial Protection Bureau. It is important to note I will also reach out to various lawmakers to seek some kind of solution that prevents this powerless situation where a customer is held hostage by a bad company. 
Very disappointed XXXX
I made a payment to speedy cash. I was aware that I owed them money.However they withdrew the entire amount that I owed them without my permission. I was making payments to the company. When I called them to complain they refused to reimburse the amount. I had to contact my banking institution and report it as fraud. I would like to sue speedy cash for violating its terms with the fcra. I was having a financial crisis.
Being garnised. Called and informed them that I was XXXX of household. Was told that didn't matter. Also called when I had tje funds to rectify the debt and was told that I couldn't do that. Also called to asked how much is still due. Was told that they do not have to give me that information because Loan was defaulted. Also XXXX XXXX was also used to pay tuition. Also had to pay an additional XXXX dollars extra and still don't know why.
I requested Total permanent discharge for a student loan. The loan is now XXXX I can not afford im on a fix income with social security administration. Texas higher education board denied my XXXX   discharge request because my loan was in default.my XXXXXXXX XXXX started in XX/XX/XXXX I was incoherent due to my mental illness about how to fight a student loan lawsuit and was mentally impaired.I was certified XXXX by the social security administration in XX/XX/XXXX. I was sued in XX/XX/XXXX.I am unable to engage in substantial gainful activity due to my XXXXXXXX XXXX XXXX
I have a Best Buy store credit card, and was enrolled in the debt protection plan on XX/XX/XXXX. I have a letter sent to me by Best Buy Credit Services that also confirms that date. 

Over the past 6 years they have collect $ 800+ from me for this " protection plan ''. 

I called and cancelled the service in XX/XX/XXXX of this year and applied for a full refund of the funds. I was sent a letter back declining my application for a refund due to : " Account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' I've never once received any assistance from this program, and the above language makes absolutely zero sense. 

I found the document file number : XXXX that is a consent order given to Citibank outlining the exact thing that I was hit with. Page 4, section c states : " 'Affected debt protection customer ' is any person who on or after XX/XX/XXXX enrolled in : Credit protection at point-of-sale terminals or balance protector at point-of-sale terminals at specialty services desks, except for such customers who submitted a claim for benefits pursuant to the respective product 's terms and conditions and were paid a benefit, or who signed and returned to respondent an acknowledgment of membership form after enrollment '' I do not ever remember accepting into the program, and I certainly didn't fill out a membership form. I NEVER received any letters or emails from Citi regarding the {$700.00}  XXXX they were ordered to pay back to their customers. 

I was a XXXX college student, who had to buy a computer in order to finish my education. Of course having a 0 % APR for 2 years is extremely appealing when that's the exact time frame of you getting out and getting a real job. In the 10 years I've had their card, I've never missed a single payment. It disgusts me to find that I'm only one of millions that got scammed out of cash just so a corporation could make a few extra . 

I would give an exact amount, but I can't seem to get a complete lists of all my statements since XX/XX/XXXX from Best Buy. 

Any help in this situation would be extremely helpful. I've called their customer service number many times, but without fail I'm put into a never ending loop of forwarding to departments. 

Regards, XXXX
The borrower, XXXX XXXX, has been working with Bank of America since XX/XX/XXXX to get his mortgage loan modified. He is current and the loan was modified. The most recent mortgage statement, however, shows that his payment has increased by $ XXXX/month and he does n't know why. XXXX charges are listed on the statement in addition to his PITI payment of {$700.00}. They are : 1 ) {$85.00} for overdue payments, fees, and charges and 2 ) {$46.00} for a payment advance. 
A Notice of Error was sent certified mail return receipt requested XX/XX/XXXX and is signed by BofA XX/XX/XXXX by a housing counselor, myself, XXXX XXXX. On XX/XX/XXXX, I received a letter from BofA stating that they needed authorization to send me this information. An authorization form was sent with the Notice of Error and was resent on XX/XX/XXXX. 
To date, we do n't have confidence that Bank of America is going to identify the charges and inform the borrower how long he will be charged for same. 
Borrower is on limited income and his budget is short $ XXXX/month. Not paying these fees is very important to him. At the least, he needs to know what they are for and how long they will be charged.
I had a delinquent loan with Navy Federal Credit union. I was repeatedly called and threatened with legal action, and notification to my XXXX XXXX. I was also locked out of my accounts, so making payments was not possible. I did not know this illegal debt collection processes until the recent case by the Consumer Financial Protection Bureau.
I am requesting for a removal of old addresses on my and unknown addresses that appear on my credit report. I am a victim of Identity theft. My SS Number was comprised around XXXX. I am unaware of these following inquiries the are not authorized. XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , The companies above never had permisson to run my credit report. Please remove the following addresses : XXXX XXXX XXXX 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, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Experian has violated and continues to be in violation of the Fair Credit Reporting Act ( FCRA ). experian has not been honest with who the source of this information is from, as I have received now 2 notices from US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX, THIS IS THE SECOND TIME THAT EXPERIAN HAS LIED ABOUT THE SOURCE OF ITS INFORMATION in its investigation of Bankruptcy Ref. # XXXX Despite my three written requests, the unverified item Bankruptcy Ref. # XXXX still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them? also you continue to lie about the furnisher of your information The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA if this unverified account is not deleted immediately I will attached the letter that was received from the federal courts by myself and my counsil and now submitted x 2 to the CFPB as a part of my complaint