WillisBack/dataset-financial-user-claim huggingface dataset:
I had opened two separate UTMA accounts for my daughters with Capital One 360. My first daughter 's account was set-up correctly as a UTMA account and converted to a regular savings account when she turned XXXX - we were sent emails prior to her turning XXXX stating her accounts would be converted from a XXXX account to a regular account on her birthday. For my XXXX daughter, they placed the UTMA acronym on the account name, but systemically had it listed as a regular savings account allowing my XXXX child to make withdrawals from the account without permission. When I attempted to correct the problem with a banking representative, I stated I was sold a UTMA account, and it appears I was given something else, and that I was simply requesting they correct the account set-up. I was informed by the customer service rep, that they do not sell or maintain UTMA accounts, but that they just create regular savings accounts and stick the UTMA designation in the account name as a nickname. I asked for escalation as that sounded like a deceptive sales practice, and I received a message response back that did not address my concern about the account set-up, but just to repeat that the account is a regular saving accounts which allows all owners to make withdrawals.
Bayview improperly foreclosed on my house after it ( 1 ) told me to ignore the foreclosure papers and ( 2 ) failed to send me a permanent modification after I successfully completed a trial plan in XX/XX/XXXX. Without my knowledge, it foreclosed on my house on XX/XX/XXXX and is now auctioning it off on XX/XX/XXXX.
I fell behind on my mortgage because I lost my job, but I have since regained employment and am able to afford my mortgage. I received foreclosure papers inXX/XX/XXXX.
I called Bayview shortly after getting the foreclosure papers and asked what I could do to save my house. The Bayview representative told me not to worry about the foreclosure and that it would stop the foreclosure and help me out. Thereafter, I got paperwork from Bayview approving me for a trial modification for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXfor {$1500.00}. My understanding from Bayview was that it would not foreclose on my house so long as I completed the trial plan and that I would receive a permanent modification if I successfully the trial payments. Based on Bayview 's representations to me, I did not file paperwork with the court because I believed it would not go forward with the foreclosure and that I would receive a permanent modification.
I successfully completed my trial plan by making 3 payments of {$1500.00}, reflected as withdrawals on my checking account statement forXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I did n't get a modification in the mail or hear anything from Bayview. My single point of contact left, and the other Bayview representatives were unable to give me any concrete information. I kept making payments at the trial amount, which Bayview accepted. Then, in late XX/XX/XXXX, Bayview started rejecting my payments. I still did n't receive a permanent modification, and I did n't know what was going on. I did n't think I was at risk of foreclosure though since I had successfully completed the trial plan.
Unbeknownst to me, Bayview went forward with the foreclosure of my house and obtained a judgment of strict foreclosure with the court, setting a law day of XX/XX/XXXX. I never got anything telling me about my foreclosure date. I only found out about the foreclosure in late XX/XX/XXXX when a realtor came to my house and told me it had been foreclosed on.
Bayview should not have proceeded with the foreclosure because I successfully completed a trial plan and was entitled to a permanent modification, which I would have accepted. Bayview should not have advised me to ignore the foreclosure action or told me it would n't foreclose on my house, which apparently was n't true.
I have disputed these inquiries with equifax multiple times they refuse to remove them without ever doing a real investigation. I actually called the companies on the inquiry list and they ca n't find my info anywhere yet equifax keeps reporting these fraudulent inquiries. They changed my social without my consent I had to send my correct social security number to get that corrected. I explained to them while the social was wrong is a result of all these inquiries being reported and I never applied to these places.
Problem with XXXX, Equifax, and XXXX XXXX. There is a credit account with XXXX XXXX with Account Number XXXX. This Account says 'closed by credit grantor. ' I sent a dispute letter and two other letters disputing their actions. This account can not be mine because an account I had was resolved ( years ago. I do not evidence ) because fraud was detected. The company allowed someone else to use my card and the account was closed. I never had a card with {$3300.00} at any time. My complaint with the three agencies is ; they refused to give or produce information that was submit that made them place a negative mark on my credit report. In other words, XXXX gave the three companies information/documentation in which they believed this to be my account and the information give was true as to the account amount owed. They need to show that information or delete the false information. If, the company ( XXXX ) does not want to deal with this false information, why is the three agencies dealing with false information. At this point I am only asking for a deletion. This negative effect and affect needs to stop.
ON XX/XX/2018 I CONTACTED BANKER XXXX XXXX AT CHASE BANK IN XXXX, NY TO LOCK IN MY INTEREST RATE. AFTER A LENGTHY DISCUSSION, I WAS INFOMED THAT CHASE WOULD BE LOCKING IN MY RATE WITH NO POINTS. THE BANKER REQUESTED THAT I SEND HIM AN EMAIL AS CONFIRMATION THAT IM LOCKING IN THE RATE WITH NO POINTS AND I DID SO. I RECEIVED A LETTER FROM THE BANKER ON XX/XX/XXXX STATING THAT I HAVE LOCKED MY INTEREST RATES IN WITH POINTS. I ALSO WAS INFORMED AT THE BEGINNING OF THE LOAN PROCESS IN XX/XX/2018 THAT I WOULD NOT BE PAYING ANY POINTS AND WHEN I RECEIVED MY COMMITMENT LETTER ON XX/XX/2018 IT CLEARLY STATES THAT THE ESTIMATED POINTS ARE 0.00 %. I HAVE NOT BEEN ABLE TO REACH THE BANKER XXXX XXXX.
My personal information was affected in the Equifax data breach disclosed in XXXX 2017, some 5 weeks after the incident occurred. During that time, 3 executives sold nearly 1,750,000 USD stock. When the stock was sold, Equifax then disclosed that there was a data breach. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
My husband and I own a condominium, which is a rental ( it is currently rented ). The XXXX mortgage is owned by Ditech. 

A little history : When I purchased the condo in 2002 ( before husband and I were married ), I financed it through Ditech, before they were taken over by Greentree. They were incredibly efficient, and I never had an issue with them. Fast forward a few years, they were taken over by Greentree, and THEN the problems started. I have paid our mortgages ( for our rental, and our own house ) every two weeks, on the days we get paid, for years. I send a 1/2 payment, which helps our finances run smoothly, AND I send a little extra, so the full payment is always a little extra. Well, when Greentree took over the old Ditech, I started receiving these snarky notices in the mail stating my account was past due, and my statements reflected I was over 30 days behind. I thought, good grief! Has my trusted credit union wronged me? I double checked my payment history on my credit union 's website ( I pay everything online ). All payments were sent, exactly when I scheduled them, AND the money was deducted from my account. 

I contacted Ditech and asked what the heck was going on with my account. They explained, that since I paid my bill in partial payments, the incomplete payments were placed in an " unapplied funds '' purgatory. What they failed to do, was post these unapplied funds to my account in a timely fashion, so I wound up in the hell- fire land of late fees and phone calls demanding payment. 

I thought this situation was pure comedy. Was this happening??? Here we were, being super responsible, paying bills on the dot every two weeks, PAYING EXTRA, but they STILL put my account in the bad place. They claimed there computer system " could not process partial payments ... '' They literally said this. I freaked out. I did battle on the phone about once per month, to get them to APPLY my payments to my account. 

Fast forward again, Greentree was taken over by the second iteration of Ditech, and now this happening all over again. My mortgage is XXXX per month. I send {$400.00}, religiously, every other Friday. I checked their website, which clearly shows my excellent payment history, but when I clicked on the " details '' button for each payment, several of the payments showed in " Unapplied Funds '' meaning, they have literally NOT applied SEVERAL payments to my mortgage account, going back to XX/XX/XXXX!!! What?!?!?! And I am receiving these snarky notices again, that my account is past due. 


This whole thing is soooooo beyond frustrating. I hope you can help. 

The property address this complaint is related to is : XXXX XXXX XXXX # XXXX XXXX, CA XXXX Thank you! 
XXXX XXXX
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX AND ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : THE XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX. 
I have disputed all off these items with each credit bureau by mail several times.
My interest rate on my auto loan through capital one is only 16 % or so and I am paying 100 % interest. My auto loan started at {$19000.00} XX/XX/XXXX 2015 I have paid roughly {$8200.00} in payments and my principal balance only went down {$200.00} since the purchase 16 months ago. {$200.00} is all that has been applied to the principal balance so {$8000.00} in interest is way over 16 % that I had agreed to. My last payment I paid {$650.00} the regular payment is only {$540.00} they applied {$540.00} of that interest for last month and they do this every month. This is wrong.
Complainant was referred by a web lending service to First South Mortgage in XXXX, TX. XXXX/XXXX/2015. Complainant was contacted by said lender and conveyed intentions to secure a refi cash out loan on a Texas rental property and use for the down on a new XXXX loan for a winter home In XXXX XXXX, TX. Loan officer assured me she could handle both loans by XXXX/XXXX/2015. Complainant entered into due diligence with loan agent. Loan agent misrepresented capacity and failed to close on dates promised, Complainant incurred XXXX extensions and addition expense due to lender malpractice. Lender upon indicating they would close the mortgages scheduled the remote notary to my home and it was discovered the refi was not included in the documents but delayed XXXX weeks. Complainant had to scramble and secure {$110000.00}. to provide closing funds to not lose the house. After contacting lender for why I was not informed both loans were not included, they lied and told me they never intended to run the loans concurrent, as was discussed on XXXX/XXXX/2015 and the basis of my awarding the loan packages. Complainant was not informed he was required to post personal funds to close, lender `` XXXX '' the XXXX mortgage and postponed the refi, after ALL due diligence had been done, to the tune of XXXX hours of my time and my secretary for both loans. ON XXXX XXXX lender emailed me, dropping the refi entirely, leaving me holding the bag for {$110000.00}. out of pocket and having to find a new lender to facilitate making me whole. Many details and malfeasance is left out here and can be included at a later date. The Texas XXXX indicate the Application of First South to begin business in Texas was not fully approved as of XXXX, 2015, according to their web site. Lender jumped the gun and began taking referrals from a web site and conducted business with this Complainant in a shoddy and criminal manner, without having completed their obligations to the State of Texas..
I sent all three credit bureaus to delete these old/ wrong addresses from my credit reports XXXX XXXX XXXX XXXX , VA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, Wisconsin XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , Wisconsin XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX Illinois XXXX It has been well over 90 days since I sent the certified letters to the bureaus and they still have yet to respond or delete these addresses. This violates the fcra laws that protect consumers rights to.have accurate reporting and the bureaus are suppose to respond in a timely manner and they haven't
On XX/XX/2018, I disputed for the second time, a collection account with TransUnion and XXXX   being reported on my credit report by XXXX XXXX XXXX. On the second request, the account was found inaccurate and deleted by XXXX, but TransUnion reported it " Verified/Updated ''. On XX/XX/2018 I notified Trans Union of the inaccuracy found by XXXX  and asked them to either provide documentation of the verification they received or delete the account as well. 

On the XX/XX/2018 update from TransUnion, the account with XXXX XXXX XXXX was reported back " Updated '' with no changes to the account, but not " verified ''. This account is still reporting on my credit file. 

The same issue has occurred with XXXX. On the same dates as above, I disputed XXXX 's account with TransUnion and XXXX. Trans Union responded the account was unverified and deleted it. When I notified XXXX of TransUnion 's findings and asked them to comply, they also reported the account verified and updated on their next updated on XX/XX/2018.
Prosperity Bank made an error by letting charges get transferred back to my account after I went to great lengths to get my debit card canceled and blocked due to a home health care provider having access to my debit card when I was away from home and in the hospital and too sick to look after things at home, she used it to buy jewelry from a company known as XXXX. By promising not to file a police report I was able to get her to return the package she received. It had a packing slip of items and costs and I checked and all the jewelry was still in the package and small boxes not opened. I called the XXXX XXXX and told them that the jewelry was not ordered by me and they told me to return it registered receipt and a tracking number. They also said that Prosperity band had already charged back the items to them and that I should have credit for the items already. I told them that PROSPERITY BANK GAVE ME PROVISIONAL CREDIT ... ... ... .pending investigation ... ... ... ... When I was n\otified that the tracking showed the items had arrived and a signature receipt inctluded also, I took it to Prosperity Bank. They made copies of everything and told me they would be sure to make the provisional credit a permanent credit and the case was closed. Then today I was shocked to find that Prosperity Bank had let those charges post even though the debit card was canceled and the case was closed. I spoke with XXXX XXXX and they confirmed that they had received the items back and it was in error that they somehow got charged back to my Bank Account. They said that all my bank has to so is reverse the charges back to them. 
But Prosperity Bank refused to do anything ... ... saying ... ... .... '' There is nothing they can do, that I have to resolve it with the company who charged my account XXXX WITH A CANCELED DEBIT CARD THAT DOES NOT EXIST XXXX I am Filing a complaint with the Federal Trade Commission!
I DISPUTED A COLLECTION ACCOUNT IN MY CREDIT FIL(XXXX XXXX) FOR THE AMOUNT OF XXXX   DOLLARS.THE AFOREMENTIONED ACCOUNT WAS DELETED FROM MY FILE IN XX/XX/2018.I DISCOVERED THAT THE SAME ACCOUNT RE-APPEARED IN FILE ON XX/XX/2018.I DID NOT RECIEVE A LETTER OF THE REINSERTION WITHIN THE FIVE PERIOD AS PRESCRIBED BY FAIR CREDIT REPORTING ACT(SECTION 611). THIS IS A CLEAR VIOLATION THAT SAID ACT.
Notified by Navy Federal Credit Union ( NFCU ) in XX/XX/XXXX that my personal loan had matured and that I owed $ 2,000+. I replied that I would try to pay balance by end of XX/XX/XXXX.

I realized later that I should not have such a high balance since I had been making payments ( although late ) and had not been over 30 days more than twice during the life of the loan.

I went into the branch office and requested the history of my account to see why I had this high balance. The representative could not give me an answer so I requested the history of my account.

On one of the weekly collection calls I was told that the balance was the accumulation of late charges ( 40 ) and interest.

When I received a collection call yesterday, XX/XX/XXXX, I inquired about my account history request and was told credit was still working on the request as many steps are involved in retrieving the information. Also, I was told that as I had made a payment on XX/XX/XXXX the balance had dropped to $ 1,900+.

I believe this balance is late charges & interest. I want to know whether NFCU 1 ) has been charging me late charges ( {$29.00} ) every 10 days ; 2 ) whether I am charged interest on late charges ; and 3 ) whether NFCU has reported these late charges as payments past due on my credit report.
I was charged two bogus overdraft fees " engineered '' by PNC bank. ( Please see attached screen capture with notations. ) On XX/XX/XXXX I checked my balance and saw that I had a low positive balance. So on XX/XX/XXXX, I deposited a check for {$250.00} to that account because I knew that I had two checks totaling {$230.00} that had not yet cleared, and I wanted to make sure that they were covered. <P/> On XX/XX/XXXX, I again checked my account and saw that the deposited had been credited and that after that the two checks had cleared. This resulted in a positive balance of {$15.00}. <P/> XX/XX/XXXX was a bank holiday, but because I had made a {$25.00} online purchase, I transferred {$25.00} from my other PNC checking account to that PNC checking account. That would, I knew, give me a balance of {$15.00} + {$25.00}, for a total of {$40.00} -- more than enough to cover the {$25.00} purchase and still leave a small positive balance. <P/> On July 5, I checked to see if the {$25.00} purchase had gone through, which it had. HOWEVER, on that same date PNC had FIRST posted an " engineered '' {$36.00} overdraft fee on my positive balance of {$15.00} ( which threw my balance into the negative ), and THEN they put through the {$25.00} charge ( which now was n't " covered '' because the {$36.00} fee had " taken '' some of my {$40.00} balance ), and AFTER THAT they finally credited my supposedly " instantaneous '' PNC to PNC transfer from the day before -- thus resulting in another " engineered '' overdraft fee.
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I called PNC around XXXX XXXX on XX/XX/XXXX and spoke to a male representative ( he quickly gave his name at the beginning of the call, but I did n't understand it ; and after we had talked he ignored my request for his name or bank ID number ). He said that he could not help me because his request to refund the charges was denied by the computer. When I told him that I was going to complain to regulators if this was n't properly resolved, he laughed. ( So much for low-level customer service at PNC. ) He then put me through to his supervisor, whose name sounded like " XXXX XXXX. '' She promptly announced that she was recording the call. When I said that was fine because I, too, was going to record the call, she told me that I " was n't allowed '' to do that. I informed her that under Maryland law that I was allowed to record a call if I let the other party know that I was doing so. She kept insisting that I was n't allowed to do that, and then said that she would not talk to me if I recorded the call. ( You can verify that exchange, I imagine, since she said our call was being recorded on her end. ) She said that she was escalating the call. She then escalated the issue to her supervisor.
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I ended up getting her supervisor 's voice mail, and I left a detailed message with a return phone number. The supervisor 's name was spoken quickly, but it sounded like " XXXX XXXX. '' I have not heard from him.
I do n't know these companies or debts, tried to reach out to get information on debt but nothing was sent or verified to me, I disputed with XXXX, XXXX, and XXXX but it comes back as verified but I did n't receive anything, if this debt is valid ( which it should not be ) I did not authorize my personal information to be shared with a third party company I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. I am also XXXX and have been receiving XXXX health insurance such as XXXX and XXXX which was presented as form of payment at every doctor appointment so I 'm not sure why there is even a debt to begin with.
I received a letter form Sharinn & Lipshie, P.C XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, NY XXXX XXXX..stating that i owe a debt from 2009. I advised the the representative that this is a fraud debt. I have never owed this money nor have i made these charges. The representative hung up and the next day they froze my bank account. When i asked for the XXXX paper work to show that they had the right to freeze my account. They advised me that they do n't need to send me any paper work. I notified them that this is all fraud and they state that they do not care, They will continue to freeze my account. I filed a fraud Affidavit and sent it to them as well.I need my bank account release and my name remove from this debt. I am not responsible for this debt.