WillisBack/dataset-financial-user-claim huggingface dataset:
I paid my bank {$25.00} on XXXX to stop payment on a check # XXXX and described the merchant " XXXX XXXX XXXX '' with the amount of check {$490.00}. My bank paid the check today disregarding my stop payment and insufficient funds in my account. Leaving me with insufficient fees of {$34.00} each for subsequent transactions pending in the account as well as the initial {$25.00} fee for the stop payment that did not hold up. My account overdrawn over {$500.00}. The response from the bank is obs-tenant and unsympathetic. They claim since my description of the check was of by some cents they paid the merchant anyway at their desecration? I would like to as the bank to pay all fees and return my funds since I strongly believe they acted in bad faith observing my account was in danger of overdraft if they paid the check and they would be able to bill me for several overdraft fees. I also advised the bank obtaining a refund from the merchant who was double paid this month is out of the question since it is not in their normal practice to do so. If the bank had researched the transactions on my account for my best interest as they are obligated to do, they would have seen this particular merchant had already been paid by ACH in excess of $ XXXX only 48 hours earlier ; thus prompting my stop payment. I sincerely believe no one checked my account prior to paying the check and Chase should be held liable for the full value of the check as well as all fees associated with the processing of the check and subsequent transactions affected. They have been my bank for over 10 years and they should value my business as much as larger customers.
I had a credit with my ex-husband from XX/XX/XXXX thru XX/XX/XXXX. First National Collection Bureau , Inc. XXXX XXXX XXXX, XXXX NV XXXX is now trying to force me to pay this debt after nine ( 9 ) years. I have asked them to stop contacting me about this debt, which is past the statue of limitation and they refuse.
My father XXXX XXXX in XXXX 2017. I am his son and executor of his estate. My father had a home equity loan with Wells Fargo. I alerted Wells Fargo and requested they update their contact information and billing address. Apparently they did not do that and they mailed foreclosure notices to his home. Even after multiple calls and apologies from XXXX they still continued to mail out multiple foreclosure letters one after the other directly to his home address.
My XXXX XXXX Account ending in XXXX, with XXXX XXXX has went into default and was charged off, but still remained with XXXX, I had lost my job and could n't pay, so when i found employment, I contacted XXXX because I had several accounts that I had defaulted on. The other accounts were sent to an outside agency, but XXXX XXXX and XXXX XXXX XXXX XXXX still remained with XXXX. When I contacted XXXX because I wanted to set up payment arrangements to bring the account positive. I was put in contact with my account manager, XXXX at XXXX XXXX XXXX. She offered me options to pay less to settle. I refused the offered, and chose to pay the full amount owe, in monthly payments because I wanted a more positive effect on my credit report. As I explained to XXXX, I wanted the account removed once it 's paid in full, and did not want to it remain on my credit report as a " paid charge off '' because its still hurting my score. That the reason I decided to pay in full and not settle, XXXX explained to me that once the account is paid that i can contact their credit reporting department to have it removed. I tried contacting them, but with no response. I opened a case with all three credit reporting agencies and only experian  has responded. They only updated my report with a payment status of " paid collections '' which to me is not helping me, because it still show my delinquent history. The amount that was owed on this account was {$280.00}. I paid it off in 4 monthly installments. I paid {$80.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX and the last payment of {$43.00} on XX/XX/XXXX I submitted another complaint and the results was the same, " paid collections '' I 'm trying so hard to improve my credit. I had 7 accounts with XXXX  and all went into collections with i lost my job. the other 5 was sent to XXXX, which I am currently making payment arrangements with them to pay all off in full. i refused the settlement offer too. XXXX is not reporting on my report, because they said as long I do n't break my payment arrangement they will not report. I have bank statements to show where I have paid XXXX XXXX in FULL, XXXX XXXX XXXX will be paid off in FULL on XX/XX/XXXX. the other accounts with XXXX, all those all due to be paid off on XX/XX/XXXX. I 'm writing to you all to look into an investigation and get the XXXX XXXX account off my report, as I was told would happen, once I PAID IN FULL, which I have fulfilled my part of the arrangement. If there are any questions, please feel free to contact me at XXXX
My originally loan was with XXXX XXXX, the loan was sold to NAVIENT. I paid an amount upfront so I wo n't have a payment until XXXX. I have been repaying my loans since XXXX, I graduated at XXXX. Every time I had asked them to provide me the total interest I paid, they referred me to a loan consolidation so they can charge more interest. My original interest was 3 %. I asked them many times to provide me a discounted payoff options to no avail. As of now, I do not have the information of how I still have $ XXXX and change remaining making payments for so many years. I would like cfpb to look into my loan accounts and provide me this information as Navient has not. Also, why would n't they offer a payoff option so one can cut their interest rather than inviting us for forbearance, consolidation, etc where it adds to the interest rate? This seems to be a highway robbery. Please look into this for me. Much appreciated. XXXX XXXX Tel : XXXX
DiTech Mortgage ( bought out Green Tree Mortgage a couple of years ago ) continues to charge me a late fee and sends me statements with past due amounts. These are all not accurate, especially since I am on the bi-monthly autopay program for my mortgage. Yes, twice a month they withdraw the amount to equal my mortgage each month. I have called to get this fixed in the spring and now they have started again. I called DiTech 's customer service number XXXX nights now, I remain on hold for up to 10 minutes and then the phone gets picked up and cut off. My credit XXXX and pride of the right thing, consumer rights is very important to me. Your assistance would be greatly appreciated. 
Thank you!
I have been attempting to use the short sale option to sell for over a year now. Although I have been working with Chase bank providing any and all documentation requested of me in a timely fashion they are now going to foreclose due to a multitude of internal delays mainly caused by internal value disputes between the appraisal and BPOs, which is no fault of mine! I was told to list at {$58000.00} which forced them to deny the original offer of {$20000.00}. I finally received and submitted a new offer of {$35000.00}. However, since the appraisal was {$18000.00} and the BPO was {$40000.00} the variance was denied. They are going to foreclose in a few days, and they stated that since they are waiting on more values to come in there is nothing they can do ; even though I have good offer well over the official appraisal amount and within the FHA percentage for BPOs. The wo n't even postpone the foreclosure until they get their values back. PLEASE HELP!!
I was in a automobile accident in XX/XX/2013, in a company car and it wasn't my fault the insurance of the other motorist was to pay this bill after it was determine that it wasn't my fault but the hospital after over 5 years still trying to collect this debt from me, this is not mine debt to pay and the statue of limitations in California is 4 years, this needs to be remove of my credit report immediately, also it shows on my wife credit report and she wasn't even in the car at the time of the accident. Company name is : XXXX XXXX
Dear OCWEN : This letter serves as the formal notice of my intent to file a lawsuit against OCWEN. As a victim, we are seeking compensatory damages for time, expenditures and emotional damages associated with the injuries caused. We feel that it is in the best interest of OCWEN to settle without lawsuit, in which a lawsuit will bring national public exposure of the companies ' unfair business practices and make the company liable for the payment of additional costs ( lawyer fees, increased emotional distress, etc. ) that may result in a XXXX lawsuit. 
In the Memorandums of evidence attached, you will find a timeline reflecting the amount of time wasted in trying to communicate with OCWEN and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is a breach in contract. This is due to the fact that neither OCWEN nor XXXX, XXXX XXXX XXXX ) honored the Loan Modification promised, although taking the payment for the loan modification account AND a judge approving a motion that the loan modification contract should be upheld ( also attached ). 
Many instances of fraud is substantiated as OCWEN wrote a letter ( deceitfully ) stating that the denial that was sent in XXXX was due to unsigned loan modification contract. Later, however, ( in a recorded conversation that we possess ) they state that they DID in fact, receive the loan modification contract, XXXX, and the denial was really due to the judge not issuing the court order in a timely manner, which is beyond my control. Additionally, since the automatic stay was still in process, we feel that a denial should not have taken place. We also believe that OCWEN willfully denied the modification ( after contact signature and taking payments ) and transferred the loan to XXXX XXXX XXXX XXXX XXXX within XXXX hours after the denial so that they would not have to face consequences. Furthermore more, willful negligence is purported on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as they failed to give a reason for the breach of contract until XXXX 2015, 150 days after they received the notification of transferal. Additionally, both OCWEN and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is refusing to uphold a judge 's ruling to honor the loan modification as well as refusing to honor the loan modification contract itself. 
Therefore, we are charging your company with the following acts : Unfair Business Practices : These XXXX banks are using the bankruptcy process to push homeowners intoforeclosure ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly known as XXXX XXXX XXXX Performance of Deceptive business practices ( misleading me regarding true reason of loan denial ) Breach of Contract : refusal to adhere to judge 's ruling and refusal to acknowledge the loanmodification contract that was signed and sent back Intentional/Negligent infliction of emotional distress : intentionally and negligently withholdinginformation of the true reason of denial for 3+ months Predatory lending strategies : trying to force a new loan modification procedure/application while notupholding previous contract
cease and desist letter sent on XX/XX/2018. company still took {$65.00} from my account on XX/XX/2018. Debt is no longer owed.
I obtained a copy of my credit report and there was a company that was reporting a collections. I was never billed from the hospital nor received correspondence from them indicating money was owed. I contact them directly and it was resolved. However the collection company ( Syndicated Office Systems ) continues to report a collection on my file when that is not the case. I sent a certified letter to them asking them to reach out to the hospital so that they can see it should not be listed and they have yet to respond. They signed for the letter on XXXX/XXXX/2016
XXXX/XXXX/2017 - Experian is charging Washington State residents {$11.00} to place a security freeze when the allowed maximum amount is {$10.00}. XXXX and XXXX  both charged the expected {$10.00}. My complaint is Experian is overcharging what the Washington State law allows. When I called Experian, the person told me she did n't know why I was charged {$11.00}.
File # XXXX I received this updated report. Still concerns : XXXX-I have previously requested this be removed as it is XXXX years old. REMOVE XXXX-I have requested this be moved- This account was never used by me and it is over XXXX years old. REMOVE XXXX-I have previously requested this be removed as it is old-over XXXX years old. REMOVE
I pull up my credit report and noticed inaccurate information. I immediately disputer the account and Experian came back with verified. when I called the company XXXX to verified the accounts, they gave me a lot of running around for a year. I went back to Experian and ask them to provide me with verification that they got from the company and they were not able to. its been over 2 yrs dealing with the company and XXXX and I am not getting any were.
i made a payment 4 days before my car payment due date and rushcard has not sent my funds. I called to see whats going on and they stated no one can make online payment. I have more then enough funds and i asked to talk to a manager i was put on hold for XXXX min.
In  XXXX  of 2017, I paid back a medical in the amount of   XXXX  . The creditor North American Credit Services advised me that once the amount was paid, the trade line would be removed from my credit. As of today,  XXXX / XXXX /2017, the trade line remains and has not been updated AT ALL. It is continuing to impact my credit when I was advised it would no longer. Instead, this company left the full amount on my credit report and just stopped providing updates, which is an FCRA violation.
O n   XXXX   XXXX  , 2017 , a s usual, I paid off  my one-year-old    XXXX   XXXX   XXXX   Account, ( owned by Comenity Bank in  XXXX , Ohi o ) in  the amount of {$63.00}. The payment was sent through the company 's Website late in the evening on  XXXX   XXXX , the due date. I believed everything was paid off and had no balance. On the next month 's statement, however, the bank added a {$27.00} late charge. I have never paid the account late. I inquired about the reason for the late charge and I was told that the payment I made did not reach the bank by the required payment hour of  XXXX   XXXX  on the due date. I was appalled by this and went through a string of " supervisors '' to demand they retract the late charge. When it was refused, I demanded they close my account and I also told them I would not pay this charge.   I have made no additional purchases on this account. In my mind, the account is closed. However, the bank now adds another late charge EACH MONTH, and now is increasing the late charge to this CLOSED ACCOUNT. I am  XXXX   XXXX   XXXX  and live on Social Security. I ca n not imagine the audacity of this so-called bank to make this unjust charge. Please send them a messag e that this can not be justified.
Re : Rushmore Loan Management Services - Loan # XXXX My mortgage originated back in XX/XX/XXXX. It was originated without escrows for property taxes and insurance. I have always paid them on my own. My mortgage was sold in late XX/XX/XXXX. Subsequently, the mortgage servicing was also transferred to a new company, Rushmore Loan Management Services ( RLMS ). I was able to clear up a crisis early last year in talking with a senior management contact, XXXX XXXX. XXXX XXXX helped resolve several issues that were not conveyed in the transfer to RLMS. One remaining issue NOT resolved is an ongoing escrow issue I can not seem to resolve, and XXXX XXXX is apparently no longer available. XXXX XXXX advised lastXX/XX/XXXX, that I request in writing from RLMS, that they stop requesting and paying my tax bill and cancel my escrow account when they perform their 'initial ' escrow analysis. So, in XX/XX/XXXX after receiving their analysis, I did indeed write online to them via the website asking them to please close the escrow account. They did respond over a month later ( XX/XX/XXXX ) stating they can not due so as the escrow has a negative balance. Not happy with their response, I contacted them last week (XX/XX/XXXX ) and spoke with a customer service rep who informed me that she would send my request to the Escalation Dept. I have yet to hear back from them. My concerns as described to her are as follows : 1. My new monthly payment increased by {$430.00} ( and only includes property taxes, not insurance which I still pay quarterly. ) 2. My property taxes total {$1700.00} annually, this does NOT justify their substantial increase. 3. I CAN NOT afford a {$430.00} increase each month while still having to pay insurance quarterly. 4. I am concerned about potential future foreclosure proceedings without this being corrected to reduce my payment back to the {$820.00} I was paying previously. 5. I am also concerned about my credit record being negatively affected. 6. I am anxious and losing sleep over this issue! Please help!
An individual who describes himself as " Mr. XXXX '' of XXXX XXXX   keeps calling my daughter both at her home and at her work place and refuses to stop calling even after she has advised them that I do not live at that place, nor do I work at that place and that I do not receive telephone calls at the numbers that " Mr. XXXX '' is calling. When my daughter does answer the phone, and after she tells the caller that I do not live there, that the phone number is not my telephone number, the caller nevertheless tells her he is calling regarding a debt and that I must return his call immediately. When she does not answer the call, he leaves a voice mail message that identifies me by name and leaves the following message on her voice mail ( the message below has been forwarded to me by my daughter from her smartphones translation of the voice mail ) They call my daughter at her home at least twice every day. 

" This message is for XXXX ( last name appeared in the voice mail, but has been removed by me ) and relates to your business with XXXX. Itwould be  in your best interest to call me with the name of your attorney and their phone number. If you're not being represented by an attorney. I highly recommend that you contact me directly so we can discuss your situation and the options that are available. I will be in my office today until XXXX XXXX Pacific Standard Time and I can be reached at XXXX extension XXXX. If I do not hear back from you today XXXX I'll have to assume that you have no intention of contacting my office and I will proceed with actions that will directly impact you. Once again my phone number is XXXX. '' ... more. Please listen to your voicemail for the remainder of this message.
Dovenmuehle Morgtage are ina ccurately reporting to my credit report.     In  XXXX   XXXX   XXXX   XXXX  appeared on my   XXXX   credit report, citing a mortgag e as 60-120 late for th e months of  XXXX   XXXX ,  XXXX  through  XXXX   XXXX . I do not have a mortgage with  XXXX   XXXX , additionally I have received no correspondence from this company informing me of such.     Shocked to see this I reached out to my mortgage lender  XXXX   XXXX   XXXX   XXXX   to ask if they had sold my note, which I was told they had not. I then called up the number listed on the credit report and was surprised to hear that it was Dovenmuehle Mortgage that answered.  Dovenmuehle  are however the servicers for my mortgage with  XXXX   XXXX   XXXX   XXXX   and while the representative informed me that  Dovenmuehle  also serviced mortgages for  XXXX   XXXX , they were unable to provide me with an explanation as to why this was being reported to my credit report.     It should be noted that I am are currently disputing several months of mortgage payments made to  Dovenmuehle that d o not appear to have been applied to my account for my mortgage with  XXXX   XXXX   XXXX   XXXX    According to the most recent statement I received Dovenmuehle they state they have not received payments for  XXXX   XXXX  through  XXXX   XXXX   ( E xhibit A ). However this is not what is being reported on my credit report and is yet another instance of inaccurate reporting by  Dovenmuehle.      As of  XXXX   XXXX   Dovenmuehle  is still reporting  XXXX   XXXX   ( an   entity I have no relationship with ) to my  XXXX  credit report while they report   XXXX   XXXX   XXXX   to  XXXX  and  XXXX   ( se e Exhibit s B & C ). This n ow looks as though there a re two se para te entities reporting to my credit thus having a great er negative impact on my FICO score. As a consequence I have had to enroll and pay for real-time credit monitoring services at my own expense. These erroneous reports have also resulted in me being turned down credit applications and in once instance having my credit limit reduced. This has meant that important home projects and vacations have had to be cancelled and put on hold while I desperately try to resolve this.     I consider this a very serious issue from both a mortgage servicing practices point of view and in terms of filing false claims on my credit report that have had serious ramifications.
Capital one has placed outdated collection information on my credit report, concerning the Payment protection settlement agreements. I never received compensation for the XXXX account I held with Capital One, concerning the Payment protection add on services. When I notified the previous debt collection company that they were violation of the Settlement agreement administrative proceeding file number XXXX and The FCRA laws by contacting me regarding the debt which arose from not being able to use Payment Protection on the Capital One cards,. I asked the firm who contacted which stated Captial one transferred the debt to them and I asked for information on the transfer process and was not given any information, on how the debt was obtained. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/Capital One then started a lawsuit against me for not paying the debt in Nevada State court when it should have been filed in Nevada Federal Court, concerning the original settlement agreement administrative proceeding file number XXXX and CASE NO. : XXXX. I explained and the debt demonstrated that I was protected under the class action lawsuit, so this should have occurred. The attorney should be sanctioned for not filling the case in Federal Court because it seems they were deliberately trying to hide the fact that I am a class action member and they did not care about the prior settlements XXXX prior settlements. I was told we must go into arbitration in the original terms and conditions and this did not occur as well. case number - XXXX Nevada justice court.
I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XXXX XXXX, XXXX 2. XXXX XXXX XXXX : XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 4. XXXX XXXX XXXX : XXXX XXXX, XXXX 5. XXXX : XXXX XXXX, XXXX 6.  XXXX XXXX XXXX : XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 8. XXXX XXXX : XXXX XXXX, XXXX 9. XXXX XXXX XXXX : XXXX XXXX, XXXX 10.  XXXX XXXX XXXX : XXXX XXXX, XXXX
XXXX  is incorrectly indicating there is increase in the balance owed by Regional Acceptance Corporation of {$260.00} which lowered my credit score. This is not correct, the original amount owed was {$16000.00} and the current amount owed is {$16000.00}. I have made no payments 30 days late. And there have been no late fees recorded on my statements. Statements attached for review.