WillisBack/dataset-financial-user-claim huggingface dataset:
We had 2 payments delayed never used them as we get paid every 2 weeks split the payments and over paid on the loan from the beginning and they charged us XXXX $ in late fees that do not apply sent the account to repo even though we owed less than the amount at the end of the loan the customer service people lost the POA that I sent so that my wife could handle the finances the loan was for XXXX $ including finance charges they were paid in total XXXX $ at the end of XX/XX/XXXX but then they charged us XXXX $ including 2 payments and late fees this Bank is cheating and while speaking with a rep she admitted that their system has problems. on numerous checks that I wrote to them I made notes because of their attempts at what I believe to be fraudulent activity as we should not have been charged late fees adding up to 52 months they are basically saying every payment was late and that is a false statement as they were paid from XX/XX/XXXX to XX/XX/XXXX XXXX $ each month in 1 payment after that they were paid XXXX $ EVERY 2 WEEKS as of XX/XX/XXXX the payments were totally current so then they sent it to be repoed
My complaint was on mortgage FRAUD. XXXX XXXX XXXX for some reason S.P.S. answers it but they can't answer Mortgage fraud. I've called and spoke to someone on phone sent in the document several times. Was referred from team Trump. I get the same response every time or XXXX XXXX dose not respond. My name is XXXX XXXX XXXX XXXX XXXX. I don't want to waste your time or mine. If you can't look in to mortgage fraud.
Repeated phone calls from fortiva financial before XXXX and after XXXX. Atleast XXXX phone calls per day.
In XXXX 2015 the account assigned and handled by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of the creditor Westlake Financial Services was paid in full as per the Paid in Full Notification attached. 

This account should be dismissed by all of the ( 3 ) credit bureaus as " paid in full ''. 

Please take steps to delete this entry from my account or amend it accordingly.
On XX/XX/2018 I submitted a balance transfer online with XXXX. It was to transfer {$6000.00} from Barclays or barclaycard to XXXX at 0 %. The transfer has not happened yet. I called XXXX first who stated that they first tried to do the transfer electronically but that Barclays rejected it so they had to send a check. Barclays has done this to me before with another transfer a couple years back. XXXX then sent a check on XX/XX/18 which has not yet posted either. I called Barclays and they claim they never rejected the electronic transfer and have not received the check. It does not take a week for first class mail. As a result, I have a past due payment at Barclays, the past due fee put me over my limit which is another fee, and the card is shut off. Clearly Barclays intentionally delays transfers and did this one to mete our revenge and get as much last minute money as they can before the balance goes away.
THIS COMPANY HAS LIED TO ME. THEY HAVE INCREASED MY RATE 5 % AND THEN CHARGED THAT RATE ON BACK PURCHASES. I MADE A COMPLAINT TO THIS OFFICE. American Express WAS ABLE TO IGNORE MY COMPLAINT. THEN THERE WAS A PROBLEM WITH A PAYMENT DUE BY XX/XX/XXXX. APPARENTLY IT WAS PAID ON XX/XX/XXXX. THE PAYMENT WAS PAID IN FULL AS TO THE OBLIGATION AND PAID IN FULL AS TO THE NEXT MONTH 'S OBLIGATION. THEN THEY DOUBLED THE INTEREST RATE. I COMPLAINED AND THEY PROMISED TO PUT THE INTEREST RATE BACK TO THE 15.99 % THE RATE THAT WAS INCREASED BY 5 %. I CALLED THE CUSTOMER SERVICE ON XXXX 19 AND THE SUPERVISOR TOLD ME THAT MY INTEREST RATES ARE NOW 20 % AND 25 %. THEY LIED AND CHEATED AND I AM HORRIFIED BY THIS COMPANY. I HAVE HAD AMEX CARDS FOR 25 YEARS AND THEY HAVE TREATED ME LIKE GARBAGE IN THE PAST 3 YEARS. RAISING RATES IN THIS FASHION IS AN ABOMINATION.
I don't think my credit score reflects the {$930000.00} I have in stocks & bonds in addition to the value of the house ( XXXX ) and its contents. After 58 years of not missing or being late with a single payment of a single account, the score seems to me to be too low.
The installment loan with Ditech Financial was managed for status and paid monthly, via telephone. The representatives communicated the account was in good standing, with no issues ( late payments, or other problems ). The loan was paid in full in compliance to the Ditech process and confirmed approved with letter documenting account paid in full and closed. However, in checking my credit bureau reports, I discovered Ditech reported to XXXX a 60 day late payment status. I submitted an online dispute for investigation and correction. XXXX provided case dispute investigation results, received from Ditech, reporting the account was paid in full, never late, and closed. I contacted Ditech to confirm and was informed the credit bureau reports would be updated for correction. As a follow-up, only XXXX was updated with correct reporting, and XXXX and XXXX XXXX were not updated, and credit score dropped XXXX points. I contacted Ditech, and was informed their reporting would reflect 60 days late. Ditech does not remember responding to the dispute case, so I faxed the case dispute investigation report for their review and comment. Currently, my credit reports are still not updated for paid as agreed, not late. This situation is confusing and I am dissatisfied with Ditech 's denial of the investigation and refusal to correct my credit reports. This is very unfair to me as a consumer, who followed Ditech 's policy in managing my account, monthly, and paid account in full for closure.
Contacted by Concord XXXX, XXXX stating I owed {$300.00} from an outstanding payday loan from XXXX 2011 from XXXX XXXX. They had the last XXXX digits of my ss #. I stated this was not my debt but they stated their was state and federal confirmation that this was a valid debt and collection procedures would be starting. I tried to get them to explain how I resolve this matter since it was obviously a scam and they hung up on me. 

Tried to call back but they said they would transfer me to my case manager even though they did n't even ask for my name! Sounded like the same guy that hung on me the first time I called. 

Was on hold and no one ever came on the line.
Target national bank has enter an account that 's not mines for XXXX and it 's damaging my credit. I never had an account with them.
The CFPB filed a Consent Order against XXXX XXXX in 2015 with some very stiff penalties, yet the CFPB allows those it penalizes to police themselves. XXXX XXXX has not and will not pay the full penalties that it should, nor will they ever admit to how many people they cheated by using false or robo-signed affidavits. 
I challenged Midland using this very complaint form late last year, and they decided " my case is not one considered eligible under the Consent Order ''. I objected to the use of robo-signed affidavits, bringing up the fact that several states had sued Midland over the use of these affidavits, and that Midland had even sent out affidavits signed by a woman that had been dead for several years. The judge in my case ruled in Midland 's favor because they had a spreadsheet with my name and a dollar amount on it.

When I filed a complaint here late last year Midland decided that they would remove any trace of the collection or judgment from my credit report. Would they have done this if they knew that they had a legal valid claim to this case? I think not. They most likely thought that I would be appeased by this. They were right. Until yesterday.

I received in the mail from Midland a form to fill out asking for all of my personal information including information about my spouse, place of employment and my work address and work phone number ( so that they can harass me at work and get me fired because they are keeping me from doing my job, there is a reason they are not allowed to contact you at work if asked not to ) so that they can see if I can pay the judgement they were awarded almost 5 years ago. Midland knows that they have no case against me, if I bring up the Consent Order. THEY KNOW THAT MORE CASES THAN THE ONES THEY TOLD THE CFPB ABOUT ARE ELIGIBLE FOR RESTITUTION!!!

Midland needs to make restitution eligible to all of those that fall into the categories penalized under the Consent Order.
I had a Chapter XXXX Bankruptcy discharged XXXX XXXX, 2016. On XXXX XXXX, 2016 the original creditor sold the account to XXXX XXXX XXXX and it was placed on my credit reports with both Transunion and XXXX. On XXXX XXXX, 2016 XXXX additional collection accounts were placed on my credit report from XXXX XXXX. Instead of viewing the information and determining the accounts were from original creditors who were included in the bankruptcy and not adding it to the file, they were added as new collection accounts with comments stating they were included in bankruptcy on Transunion and listed as closed accounts on XXXX. They should have never been added because the debts with the original creditors was discharged.
I first Disputed item " XXXX XXXX XXXX Acct # XXXX '' on my Transunion report in XX/XX/XXXX, and it came back verified. I disputed again on XX/XX/XXXX, and once again it came back verified. I called Transunion on XXXX XXXX XXXX informing them that I had a signed letter from the President of the alleged Original Creditor denying any record of me or my account. but Transunion ignored me apparently, so I have sent them another dispute with copies of the letter. 

Please see attached signed USPS certified mail letter from the President of the alleged Original Creditor, XXXX XXXX at XXXX, stating neither they nor their Collection Agency XXXX have any record of me or this alleged account. 

Attached is also proof that XXXX of XXXX and XXXX XXXX XXXX XXXX are the same company. 

Under the laws of the FDCPA, I also have contacted " XXXX XXXX XXXX '' to request validation, and they have failed to respond to my request, so they can not have verified this account with Transunion. 

I am not sure what more proof they want aside from a signed letter from the President of the Company, at this point they are willfully and negligently misreporting. 

Please find all relevant documents and Certified Mail receipts attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
Todays date : XX/XX/2018 XXXX : CitiBank Credit Cards Forced by CFPB to Refund Cardholders : ( for deceptive marketing and incorrect charges associated with credit card add-on services ) So, I received a letter from Citi dated XX/XX/2018 stating that I was being issued a statement credit of {$520.00} and that I did not need to do anything in order to receive my refund. I have not received my refund. It also states that the refund was applied to my account. Citibank is holding my refund. How can this be legal? 
My account has been closed for years and Citibank, without serving me personally, took me to court and has a lien on my home. This lien is still active as of today 's date. 
The letter dated XX/XX/2018 has a contact number that I called to try and get answers as to why they have a lien on my property and holding my refund. 
I called and spoke to XXXX on XX/XX/18 approx. XXXX XXXX, I asked why didn't I get my refund? She said ; " we can not give you a check. Call Customer Ser. on the back of your card. '' Then I Spoke to XXXX, on XX/XX/18 she said ; " didn't know about refund. '' I was transferred to XXXX, who worked for a 3rd party " XXXX ''. He said call Customer Ser. they will be able to tell you how to get your refund on a closed account. 
I was transferred again to XXXX ; she said " you were transferred to the wrong dept. '' I was transferred again to XXXX ; she said, " I can not help you '', she was also from 3rd party " XXXX ''. 

Citibank already has a lien on my home, how can they now hold my refund? Citibank is still being unfair and deceptive. 

Please help me to obtain my refund,. 
XXXX
This is a complaint about USAA. I have a checking, savings, and car insurance account with them. On XX/XX/2018, I had Auto-Pay set up from my Insurance account to my checking account. I didn't realize that if i pay it a few days before it would still auto pull my insurance payment. So, I made two payments for my insurance. One payment for XXXX XXXX the payment i made manually XXXX and the auto-pulled payment of {$230.00}. I called on the XX/XX/2018, and requested a refund of the payment that I made manually of {$230.00}. 

On XX/XX/2018 I recieved an " USAA INTERNAL CREDIT '' of {$230.00}. I assumed that this was the refund I requested and that everything was resolved. On XX/XX/2018 and line item was applied to my account " RETURNED DEPOSIT ITEM '' of - {$230.00}. After 4 1/2 hours on hold, being hung up on and transferred 10 separate times. I was informed that my requested return payment of {$230.00} dollars was never issued. And the the {$230.00} dollars that I recieved as an internal credit from USAA was actually another members money that was applied to my account, and I was told that USAA reserves the right to take it back. 

So at this point, my account is in the negative, I was given no warning that I was getting money pulled for my account. I do not have money for gas, or for food for my family. And now I owe USAA more money, all because USAA insurance failed to issue a refund and the banking department gave me someone else 's money for 20 days. That I thought was mine, and budgetted that money appropriately. I am a XXXX XXXX  to an XXXX XXXX XXXX XXXX, and there is nothing I can do but continue to accrue overdraft fees for an error, and I do not have enough gas money to get to work now, so that I can lose more money to USAA.
On the XXXX XXXX 2016, while trying to get my report online, XXXX XXXX kept telling me " unable to complete your request '', I then tried Equifax and XXXX and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their XXXX websites which redirects me to the the XXXX website. 
I was advised to file a police report and need the credit reports to do so,
This company said they will close my account for making to many disputes ; when I first signed up for the account I opted out of overdraft protection ; they closed my checking account and charged my savings account XXXX {$35.00} non sufficient fund fees. I opted out of overdraft protection how can they charge me for closing an account before pending items have not posted tell me to go get my funds out the bank than charge me XXXX fees on top of the item amount and than I spoke with XXXX reps now who said a supervisor will call me back oand never did
For 7 months, Navient has been incorrectly applying my student loan over-payment. When you choose to pay more than the minimum balance on a loan it gives you the option to either pay down the principal or postpone the due date of future payments. As I am trying to pay down my loans quicker, I always choose to pay principal. I have noticed that the particular loan I am paying extra on is saying that I have no payment due. On further inspection, I have noticed that every over-payment has been charged interest and my next payment is not due until XX/XX/2017. This is exactly what I informed them I do not want to happen with my payments and is causing me to pay more interest than I am obligated to pay as per my loan agreement.
To whom this may concern, I have asked Experian and XXXX to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.
Navient is not contacting my work and disrupting me during business hours, after I have asked for all communication to be via mail. I have offered several settlement options and yet they continue to call. I do not want to be disrupted at work and they are causing a back up on the phone lines.
On   XX/XX/16  I lo gged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX     XXXX  I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my credit score on all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.
An alleged debt owed to XXXX who was responsible for Accounting Services to my Law Firm and my family was resolved on or about XXXX XXXX, 2016 by way of Settlement Agreement and General Release. Per the Terms of the Settlement Agreement, any debt allegedly owed by my wife and me to XXXX was extinguished effective XXXX/XXXX/2016. 
Despite the aforementioned Settlement Agreement Capital Collection Agency, which had been retained by XXXX XXXX submitted false and misleading information to XXXX on XXXX/XXXX/2016 that the debt remained outstanding and as a result I have been denied credit and/or am being charged a higher interest than I would otherwise have had to pay.
I have been complaining about accounts that doesn't belong to me. I was told to fax my ID information to confirm my identity, I did this 3 times and received no changes or no response. This is making my life hard.
It has been about 3 years since I 've discovered that the credit bureaus made an error, where they have me and my brother as the same person. We do have very similar names, mine being XXXX and my brother 's being XXXX, and our social security numbers only have a differing last digit while the rest of the numbers are identical. I have filed for dispute multiple times as my brother did, and we were also forced to pay a fee to correct this error last year. Just recently, I 've discovered that I still can not pull my credit report and all of my credit history is combined onto my brother 's. 

I would really appreciate any assistance in rectifying this issue as soon as possible.
To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Experian credit report, which I have no knowledge of. Specifically, the item is for a collection agency ( XXXX XXXX XXXX ), a collection for XXXX. I do not recall having any open account with XXXX at the time and, in fact, I was studying outside of the country during that year and the previous year. Further, I have never received a bill for this and the account is marked as " Paid '' on the credit report. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Experian report showing the derogatory item. 

Sincerely, XXXX XXXX
I currently have a mortgage with XXXX XXXXXXXX XXXX. Which h was GreenTree Financial. In XX/XX/XXXX I.quired to lower my more.thly payments. Found out the diy a loan modification and added {$37.00}, XXXX to my XXXX amount XXXX did a ending mortgage data of XX/XX/XXXX. I did not sign into this contract they have me and my wife 's. Singatures but I would never sign a 40 year mortgage and give them {$37000.00}. I would have took out a second mortage. I have my own notitary to notarize things as our signatures are fuzzy looks photo shopped or something. We started the Mortgage started with XXXX for {$110000.00} back in XXXX now in XXXX we owe " XXXX. We would have known a out this if we did not want to sell our house.
I can not get a mortgage rate quote from a mortgage originator without a credit report. Each credit report counts against my credit rating. This makes it practically impossible to shop around for rates and products.
OnXX/XX/XXXX, I faxed my mortgage company seeking clarification on fees I was charged. They appeared on myXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX, statements. Fax and statements attached for your review. After two months they send me a payment history, also attached for your review. The history show the charges, which I already show on my statement, however FAIL to detail/clarify, how exactly I incurred those fees. Or how is it that Ditech had the right to charge me those fees. Consequently, NO response was provided, they simply provided the information I already had, in a different format. Ditech has done this in the past. They sneak in fees here and there and hope you do not question them. I highly doubt I am the only person they do that to. I bet they have STOLEN Millions of dollars from customers.
I am in a loan modification with Bayview Loan Servicing and they had a notice of default filed against my owner occupied home without any warning. I am still furnishing info to them see attached documents. I contacted the foreclosure company with no response also Bayview has not responded.
I contacted the Credit Bureaus on XXXX-XXXX-2018, by certified mail asking to remove addresses and names that are not correct, I enclosed NCDL,  social security card and a NC DMV registration to prove my correct name, address and social security number. Not all address were removed, they stated they were validated and they were under no obligation to remove them. According to the FCRA, the address are undeliverable by the US Post Office and therefore need to be removed. I have contacted them in good faith and under the letter of the law with no results.