WillisBack/dataset-financial-user-claim huggingface dataset:
Hello : My wife and myself started the process to buy a house. Our realtor was able to find the proper house for us. 
We submitted all the documents to the following company : K & G Capital Mortage. K & G Capital mortgage is a division of Houstonian Mortgage Group Inc. 
They offered to us a financial option using FHA system since the very beginning as the best option for us. 
As we are part of a relocation program ( XXXX ) when we started to provide all the documentation needed at the beginning, we notice that they were asking for XXXX card ( XXXX ) to which we explained and asked multiple times, to the FHA officer, XXXX XXXX ( Branch Manager ) about our XXXX necessary documentation. We explained that we did not have the XXXX card but that instead, we had a valid XXXX sponsored by XXXX XXXX and which is valid to XXXX in the United States ( while our permanent residence is being processed ). 
He did a quick check for the requirements and he said we had everything needed for the FHA loan. 
We started this process around XXXX month ago, and it has been an emotional roller coster, apparently they di n't check correctly and due to our " migratory conditions '' we never were able to obtain a FHA loan, which forced us to get a regular loan, with unexpected expenses, that added to the monthly payments and closing\down payment. 
Even worse, as we have a contract to close on XXXX XXXX, and the process has been so delayed due their lack of communication and commitment and poor response, we are about to loose the house, given the fact that the seller is in no obligation to accept the amendment for an extension while the process a regular loan. 
This is not our fault, as we already provided to them everything needed and on time ( sometimes working late at night ). 
Aside of that, my wife has had a very hard time, getting fair and respectful customer service. There was never a commitment with the customer, as they never even took the time to really check the necessary documentation ( once he said that we came from XXXX, when we actually came from XXXX XXXX ). They never explained with details all the process and must of the times, were very unresponsive to my wife when she asked for details on each item charged, while she was trying to understand the options ( by the way never meet the budget we asked for ). 
We believe that we have been put through unnecessary emotional stress and has affected directly the process of buying the house while we had been compliant with absolutely everything we had been asked for to provide. 
As a FYI, our XXXX in the United States allows an individual to buy a house. It would have been helpful to know our real options from the very beginning and not just a few days prior to closing. More emotional damage was caused due the fact that looks like we are going to loose all the time invested, effort, money required ( inspections, etc ).
On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was XXXX or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. Capital one continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. Capital ones liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month capital one sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.
CitiBank and other large banks have taken it upon themselves to unfairly restrict access to credit and other services by companies I do business with. Specifically, companies that have anything to do with firearms and related products. On one hand, my taxes, and taxes paid by these same companies, paid for a huge bailout of Citi and other banks, to supposedly save them. On the other hand, they are unfairly targeting these companies, trying to hurt them specifically, to cause them to fail. That is inconsistent with constitutional protections of my, and their, 2nd amendment rights. This needs to be called out, and stopped.
I have an auto loan with Santander USA, which is almost paid off ( Balance {$470.00} ). This loan was a joint account with my ex-husband, which went with me upon divorce. I have struggled to pay this loan. The job I had for many years was eliminated, I had a very sick child which brought on enormous hospital bills, went back to college, etc. However, I have continued to pay this loan. 

In XXXX, I moved to a new state for personal reasons and my car payment that was due on XX/XX/XXXX was late, It was paid on XX/XX/XXXX, at XXXX XXXX prior to it being 30 days late. However, Santander reported it as 30 days late to the credit agencies. 

It should not be reported as late. The payment was online and instantaneous. In addition, I have gone through each bill of theirs and am in fact a month ahead of what they show. I have requested a complete and itemized audit of my account in the past, but have never received one. I personally spent hours going through each and every payment numerous times and each time show that I am in fact one month ahead.

In addition, I wrote them numerous times asking for the exact payoff needed to close my account. I requested the information in writing. They did not even acknowledge that they received my requests, even though I have delivery confirmation. After all the years, I have been dealing with them, I would like written confirmation of the exact amount I need to pay them in order to own the XXXX XXXX XXXX free and clear. 

Thank you, XXXX XXXX ( they still have my account under my married name which was changed in XXXX, XXXX XXXX ) Account # XXXX
A 3rd party collection agency, Commonwealth Financial Systems ( XXXX XXXX PA ) reported an unpaid medical debt in the amount of {$1600.00} on behalf of XXXX XXXX XXXX in XXXX AZ to my credit reports. I asked both the hospital and the collector for proof of the debt. They stated I would need to pay them and then it will be provided and given the chance to dispute it. The bill is in the name of a family member who is a ward of the state of arizona and under their legal and financial responsibility. However the collector still says its my problem and liable for the debt as family. I provided both parties of the legal paperwork and who to contact to get the bill paid by the foster care system in Arizona which they have refused to follow up on. I disputed the bill with all 3 credit bureaus who in turn said proof the bill was legitimate was furnished and I could not get a copy. I do not see why another persons bill, in another name can be forced onto me.
Iqdata international has illegally charged me interest on a debt associated with a apartment bill, they have been reporting wrongful amounts to credit report charging me false interrdt charges that are completely illegal and are violating the credit report act. I have submitted a complaint to the bbb and they will not respond. Call the them and told Iq data they are breaking the law. Others are being forced to pay these false rates or they will not have a clean report. This is bullydog tactics, consumers are being blackmailed by this company. I have contacted the debt owner XXXX XXXX and they will only go through iqdata international, I have told them exelactly what iq data is doing and they refuse to contact them about this.
Good Morning, I am having an issue with my flood insurance which is being required by SunTrust Mortgage. I obtained a flood policy from the XXXX for the dates of XX/XX/XXXX-XX/XX/XXXXfor {$720.00}. Suntrust paid this policy to XXXX from my escrow on XX/XX/XXXX. I then had another year of flood policy from XX/XX/XXXX-XX/XX/XXXXwhich Suntrust paid to XXXX for {$720.00} from my escrow account on XX/XX/XXXX. On 6/14/18, nearly two years after the first flood policy Suntrust stated that the zone on the policies was incorrect. They charged my escrow account for a lender placed policy with a charge of {$2200.00}. Because this is 20 months after the policy I can no longer get XXXX to change the zone ( not to mention XXXX has sent several FEMA issued documents stating that we are in zone X which I have shared with Suntrust but they will not acknowledge them ) and I am now stuck paying both the {$720.00} original charge and the {$2200.00} charge for the same flood coverage period. Suntrust is also about to charge me another {$2200.00} for the second policy period. I asked if I could get a refund from XXXX for the {$720.00} since Suntrust will not recognize that policy and they can not since it was already paid. I'm not sure why Suntrust is paying these policies and then coming back years later and saying they are invalid and charging me three times as much for lender placed insurance ( 4 times as much considering I can not get back my payment to the XXXX back ). My escrow account is being severely overcharged causing my monthly payments to increase by a large amount.
Personal information was compromised by the breach of Equifax secure servers. The company has offered some mitigation but has required waiving rights to pursue legal recourse. The company has been grossly negligent and should not be exempt from damages. It should have protected consumer personal and financial information and accept responsibility for shoddy cyber security. It must provide credit monitoring and identity theft protections and be able to compensate consumers for any losses they incur as a result of Equifax XXXX
This law firm with the name Mary Jane & Elliott are trying to garnish my wages for a collection debt that was apparently made while I was a minor and unaware fix they will not share the details of when and where this debt was created. I've also spoken with the company that XXXX XXXX XXXX XXXX is saying trying to collect the debt but XXXX XXXX XXXX say they don't even have a record of me having an account and they're not sure that I even had one to begin with. The account was said to be created in XX/XX/2001 which us when I was still attending high school, and they say the amount is for {$3400.00} but will not share any other information with me.
I paid the amount owed and they refuse to remove it from my credit report. The debt still shows outstanding.
Today, XXXX XXXX, 2016, I bought what I thought was a prepaid XXXX card to pay a bill online. 

I got home and realized it was n't a regular prepaid card. It was a XXXX branded by a company called " PayPower ''. 

To access the funds and pay my bill, I " activated '' the card ( https : //www.paypower.comXXXX ) and found myself being required to open an account. 

My cash was now locked into the card and I had to pay my bill so I continued the process, intending to pay my bill and then close the PayPower account. 

Once I had paid my bill, I logged back into PayPower. The site showed my payment had been made and was pending. 

So I looked around the site for a way to close the account and avoid any fees. There was no information about closing the account so I tried to send PayPower an e-mail. 

Multiple attempts to use PayPower 's e-mail feature failed. So I called them at XXXX XXXX. 

After a very long wait, I was told a " ticket '' had to be opened in order to close the account and that I could n't cancel the account without also cancelling the pending bill payment. 

I asked about incurring additional fees and was told I would n't if I cancelled within XXXX7 days. When the pending payment clears, I was told to call back to cancel the account. 

I 'm very worried about this. 

1. Why ca n't I just cancel this unwanted account? 

2. How long can my payment be " pending ''? 

3. Why is an " account '' being sold in packaging that describes it as " XXXX Prepaid Card '' in big, bold letters? 

4. Why should I be subject to the threat of additional fees in such circumstances?
Chase Credit services, closed my account with no objective reason. I have not had a late payment with them. Always followed all the rules. Ive been a Chase customer for more than 5 years. I received a letter stating that they are closing ALL my account with fictitious reason ( to many other accounts with different institutions opened ) I dont think Chase can discriminate in such a way agains customers using other services except their banking services. Ive written to their execute office multiple times and did several calls. The so called executive sovereign department is like a unreachable institution for the regular chase customer. They take your request through a phone service and then you wait and wait for their blessing. Ive offered to send bank statements and other docs to prove that Im a good payee etc.. But to no avail. I request ALL my accounts to be immediately reopened and alll likens of credit restored.

Thank You!
I CONTACTED CFPB MANY TIMES OVER A YEAR AGO A COMPLAINT AGAINST MY MORTAGE COMPANY XXXX XXXX XXXX THEN WHITNEY THEN HANNOCK ABOUT A PREDATORY LOAN THAT I CAN PROVE IT HAS BEEN OVER SIX AND A HALF YEARS AND NO HELP I AM ON SSI XXXX A YEAR CAN NOT AFFORD AN ATTORNEY FREE HELP SAYS IT IS TO COMPLICATED I FINALLY GOT IN TOUCH WITH SENIOR HELP AND THEY SAY IT IS YOUR JOB TO OVER SEE THESE BANKS THAT INVOLE DECEPIT PRACTICES
These accounts listed below are not mines. I have disputed before. 


XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX XXXX BANK DELAWARE XXXX XXXX XXXX 15 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX AUTO XXXX XXXX XXXX - - Installment Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 70 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX SVCS XXXX XXXX XXXX XXXX 528 % Revolving Negative XXXX XXXX, XXXX FED LOAN SERV XXXX - - - Installment Unknown XXXX XXXX, XXXX
There are XXXX dates of service listed that are in collections. XXXX was paid by my insurance months ago. This was a bill from my doctor 's office. The second they are claiming is for the same date of service, and from the hospital. However, I was not seen at the hospital on that date ; therefore, the service is invalid. I confirmed with my doctor 's billing office that the actual date of service has been paid. I spoke with someone at the collection agency, and they informed me that despite what my doctor 's billing office is saying, this is a legitimate debt that I need to pay. I owe nothing.
I believe that someone went into my locker and stole my credit card. I have charges on my card that sum up to {$960.00} which I there is no way they should be able bill me for because it wasn't me!
To Whom It May Concern : This letter is in response to the letter I received from you on XX/XX/2017 a copy of which is attached herein. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is hereby disputed and validation is requested. Please provide me with the following showing that I have a legal obligation to pay you : 1. Identity of the original creditor 2. An explanation of how the balance of the alleged debt was calculated XXXX. A copy of any agreement between you and the original creditor showing you are legally entitled to collect monies on this account 4. A verification or copy of any judgment, if applicable 5. Proof that the Statute of Limitations has not expired on this account 6. Proof that you are licensed to collect in my state Failure to comply fully and completely with the above validation requests before continuing collection attempts, or reporting this account to any consumer reporting agency, is a violation of Federal law and will result in complaints being filed with the Federal Trade Commission, my state Attorney General 's office and your state Attorney General 's office. Civil and criminal claims may also be pursued.
XX/XX/XXXX - refinanced car with XXXX XXXX XXXX. Called west lake financial and received 10 day payoff balance. 
Wrote check signed. and mailed off that day. 
XX/XX/XXXX- letter received from west lake financial thanking me for being a customer and states that they realesed of interest document to appropriate party. Stapled is original retail installment sale contract. Stamped paid. 
XXXX-received statement reporting total amount due. XXXX due date : XX/XX/XXXX Everything is great, credit, bank, west lake financial, until ... 
XXXX receive statement with payoff balance @ {$550.00}!! 
Called company multiple times and Received attitude from collections and customer service and refused to settle or come to an agreement. And demanded their money and all of it. I have disputed with another credit company and they ruled in my favor and reverted my credit score back to where it was before my issue with this company.
Someone presented my Idenity at Bank of America and withdrew my money. 
-Total {$10000.00}. {$5000.00} from checking on XXXX occasion, and {$5000.00} from savings on another occasion. 
XXXX separate Branch banks. XXXX in XXXX, NJ, and XXXX, XXXX XXXX, NJ. 
XXXX separate occasions. XXXX, checking on XXXX/XXXX/15, and XXXX, savings XXXX/XXXX/15. 
-I was told that the signatures did not match. 
-I do not live in the above state. 
-These withdraws are completely inconsistent with my financial record and habits. 
It is clear to me from the above information that Bank did not do its job to protect me or my money. There are many red flags. On XXXX separate occasions, a person withdrew large amounts of money w/o a signature match in a state that I do not live. This is neglligence.
I deposited {$160.00} to my Wells Fargo account on XXXX XXXX to find out months later that my money was n't found. Also my account was closed. I had an amount of {$4000.00} in my account along with me depositing the {$160.00} on XXXX XXXX XXXX. I went into the back and talk to several customer reps and I was told it was nothing they could do. I watched Wells Fargo take money out of my account put it back in and repeat this method for a few months. I did n't mention anything to them because I did n't want to see crazy but my money was removed from my account, deposited into another account, I showed them the receipt but there was nothing done about it. They took one receipt from me that showed my balance of {$4000.00} but I was once again given nothing back. My account is closed now and it was n't my fault. Also my account had several unauthorized transactions but Wells Fargo reversed them and took the money away from my account. Now I 'm frustrated my phone is off I have no funds to pay any of my bills and I want all my money back and I do n't want to deal with Wells Fargo ever again and please find a way to mail me my funds or a check. to my address associated with the account every single penny.
I want to reiterate once again some points and authorities of this complaint and UPLOAD ONE MORE RECORDING FROM TODAY FROM MY MOTHER " XXXX more on XXXX XXXX XXXX from Moms voice. '' Please DOCUMENT THIS WITH THE ADDED RECORDING FROM XX/XX/XXXX FROM MY MOTHER. IN ADDITION SHE CALLED THE BANK TO WITHDRAW THIS CLAIM ON XX/XX/2018, AND SAID SHE MADE A MISTAKE AND FORGOT SHE HAD GIVEN ME PERMISSION FOR THIS AND OTHER TRANSACTIONS IN HER BANKING -- AS I HAVE BEEN SAYING ALL ALONG.!! 

My mother has already called XXXX XXXX XXXX, Monday XX/XX/XXXX and withdrew the complaint and said she filed this in error from not remembering. She also states on the recordings she has memory problems as I have been telling you previously. 
XXXX XXXX XXXX said they would get back to her. She was confirmed, recorded and spoke to a supervisor and redrew this complaint and also as you can see on this NEW RECORDING FROM TODAY, XX/XX/2018, SHE FULLY EXPECTS THE FUNDS TO BE TAKEN BACK OUT OF HER ACCOUNT FROM HER ERROR. AND RESTORED TO ITS SOURCE. In this case it would be back to XXXX XXXX XXXX that credited it, they will debit it, and then contact you to release the claim they have with you to recovery funds from a claim, which is now proven to be false, and I was fully authorized for this transaction and others. 
PLEASE FORWARD THIS TAPE. I WILL ATTACH BOTH FROM THE XXXX AND TODAY THE XXXX. 
WE ARE WAITING TO HEAR BACK FROM XXXX XXXX XXXX NOW CONFIRMING THE CLAIM HAS BEEN SHUT DOWN AND WITHDRAWN.
The collection agency Boettcher & Associates Inc. from XXXX, Colorado has failed to validate their claim to a debt ( which has been bought numerous times in the last 10 years ) as well as payment history on the debt which they had a full calendar year to provide. Recently they violated the FDCPA privacy laws by speaking with a family member about the debt, and not only that then they sent that family member a letter that stated Boettcher & Associates was attempting to collect the debt from my family member.
I opened a secured credit card in XXXX with Discover bank that went into default. The bank closed the account in XXXX and later sent me a XXXX. In XXXX I included the XXXX in my tax filings to the IRS. Discover continue to report the account as " Failure to Pay '' every month with the last report being on XX/XX/XXXX. I have called and asked them to allow me to settle to debt so they would stop reporting it monthly to the credit bureaus and I was told that is not an option. The IRS rules that a XXXX is a debt cancellation and in the case of ( XXXX XXXX, XXXX XXXX XXXX ) from Chief Judge XXXX XXXX XXXX of the U.S. Bankruptcy Court for the XXXX District of Iowa agrees that a creditor can not continue to collect on a debt after the issuing the debt cancellation notice.
In XX/XX/XXXX I took out a second mortgage through XXXX. The loan was subsequently transferred to Citi Mortgage. XXXX is also showing as the lien holder, but I am not clear as to what XXXX is. My wife XXXX declared bankruptcy in XX/XX/XXXX and this loan was included in the final discharge (see attached bankruptcy document).The XXXX lien is still showing up on XXXX County records. I have contacted XXXX, CitiMortgage and XXXX, no one will take any action to remove the lien. I am unable to refinance or sell the house as long as the lien is showing as active.  It is also causing problems with my homeowners insurance.
I placed a credit freeze on my credit bureau. When I did it, they should have given me a pin number to unfreeze the account when needed. They did not do so. I have attempted to obtain the number from Experian, but they have failed to give it to me. I have included a screen print for your records showing that no pin number was given.
Manufacturers and Traders Trust ( MTB ) is a part of a mortgage fraud against the, ESTATE XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NCXXXX. 
Since XXXX, I have been corresponding with MTB about the loan that was cancelled by XXXX on, XXXX XXXX, XXXX, after filing an affidavit for lost note on XXXX XXXX, XXXX .This was ten months later .Because of the time span, this was not likely to have been done in error. 
When contacted, MTB repeatedly assured me that they had nothing to do with the this loan. 
XXXX, who I believe is a co-conspirator, wrote that they had acquired servicing of the mortgage in XXXX, and had sent payments to MTB, the holder of the note. 
MTB wrote, they held XXXX files in their vault, but returned them to XXXX in XXXX. MTB said XXXX XXXX XXXX was the servicer at that time and that they had not received any of the payments made. 
Research has shown that MTB was perjuring themselves in all the information they sent me. 
Recorded documents show a list of mortgages XXXX XXXX XXXX XXXX serviced for them. The mortgage in question, XXXX XXXX series was on the list. This can br found in BK.XXXXIN XXXX, NC XXXX online register of deeds .I have spoke with people in the lien department and they have denied having this mortgage. 
I was told the name, XXXX XXXX, or the address was not in their system. 
It appears, XXXX XXXX, XXXX and MTB, are trying to cover for each other. 
MTB knew all the time that this note was with them. At first, they seemed to be trying to help me, now I know they were not. 
I will send the docs tomorrow. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX -- -- -- XXXXXXXXXXXX