WillisBack/dataset-financial-user-claim huggingface dataset:
I received a Synchrony Bank Credit Card in XXXX, and signed up to pay online from my checking account at another bank. I do this with all of my credit cards, and have been doing it for at least five years -- without any problem. 
I thought I made an online payment on XXXX XXXX ( due date was XXXX XXXX ), and received an acknowledgement email, which I did n't look at too closely. When I got an email today that said I had not paid yet, I looked at the acknowledgement email, and saw that it had *scheduled my payment for the due date. * I would never do this purposely, and when I went online to see the scheduled transaction, I saw that it defaults automatically to the due date, not the date posted ( or the next day ). To make sure that this was not something I had done, I cancelled the payment and then clicked the " Make a Payment '' again. The page I am attaching is a picture of the Payment Page on the webpage that shows the default payment date ( the due date ) and the note the bank includes about what happens when payments are made on the due date. 
I believe that this is a deceptive practice, and that the bank should not be allowed to keep this practice. Many thanks for allowing me to report it.
XXXX XXXX {$240.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... accounts were settled with original creditor ( GA XXXX XXXX XXXX XXXX XXXX ) ... grave errorfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
On  XXXX / XXXX / 2017  I paid Hyundai Motor Finance my monthly lease bill of {$380.00} for my Hyundai  XXXX . I had an error on my internet cause the browser to refresh. The payment had came out  XXXX  times causing my checking account to overdraft into - {$900.00} including penalties and fees. I had contacted Hyundai Motor Finance shortly after the discovery of the overdraft. They promised me a refund when I spoke with a representative. I contacted them again a couple days later and I spoke with a representative to find out when the refund will be, because myself and my family are hurting so bad financial. The representative said they wont refund me the full amount which is {$760.00} they will only give me {$380.00} and the extra payment can go towards this or next months bill. They also stated it takes 20 days for a refund. I immediately contacted my bank to dispute the charges. It is apparent that Hyundai Motor Finance does NOT fulfill their financial obligations of a refund and this is considered a crime of theft.
XX/XX/2016 Saturday - Check cashing practice correction requested We received XXXX checks that today we tried unsuccessfully to cash at the United Check Cashing franchise addressed above. A cashier employee who identified herself as XXXX refused to cash my IRS refund check written XXXX Department of Treasury and my refund check from the XXXX XXXX XXXX Department XXXX XXXX. The cashier XXXX XXXX XXXX told us that she would not cash the checks because they were both presented to her more than 30 days since the issue dates. Issue dates XX/XX/2016 for the XXXX of Delaware check and XX/XX/2016 for the XXXX Treasury check. The state check indicates that it can be cashed for up to 6 months past issue date and the XXXX treasury check indicates XXXX year processing from issue date. 
I shared with XXXX that I am frustrated with what amounts to arbitrary check cashing experience at United Check Cashing. I have utilized various United Check Cashing services for more than 30 years in XXXX but nowhere has the experience been more unpredictable depending upon the cashier encountered for the transaction than this XXXX, Delaware, XXXX XXXX XXXX XXXX franchise. 
As XXXX told us that she would not cash my checks ; she directed my attention to a sign on the wall visible during exit from the establishment that reads in part, '' we do n't cash checks over 30 days. ' I reminded XXXX that the only IRS check that I have ever cashed unless it was direct deposit ; was more than 30 days past issue date, including here. 
United Check Cashing practice is harmful and provides for at will ; discrimination. As a XXXX person ; it was a struggle for me to enter the United Check Cashing establishment ; let alone enter with assistance and be denied service. The actions of United Check Cashing would have caused me to have to discard the checks XXXX money ) had it not been for the secondary fact ; that XXXX Bank cashed the checks readily and happily. When I contacted United Check Cashing to get the owner contact information ; XXXX in rude behavior practice ; hung up the phone which was on speaker phone on my end and open to myself and a family member present. 
Please remedy the actions taking place at this United Check Cashing franchise so that people who have limited options are not forced to throw away IRS or XXXX checks.
XXXX XXXX XXXX is duplicating an account for a student loan. The loan was sent to Navient and I am dealing with them. The school committed fraud.
I have attempted to verify the debt with the original creditor because when i asked for verification of the debt from Trident Asset management I was only provided with a computer print out of something I have never seen before. I contacted XXXX who trident said is the original acct holder and was given the acct number XXXX. XXXX said they do not have any acct with that number or even with my social security number, XXXX said to contact XXXX communications because XXXX sold the company to them. I contacted XXXX 's customer care, collections, retention, and escalation department. they attempted to locate any account using my name, my social security number, old address, old phone number and the acct number that was given to me by trident. trident has refused to verify this acct and only sends me that computer generated paper. they have not provided me with anything that proves the said debt is mine. I have also submitted a power of attorney to haven services to try to resolve this on my behalf, trident has been avoiding their calls and when trident does pick up the phone for haven services, trident puts them on hold and hangs up or say they did n't receive the power of attorney. the person i spoke to at trident confirmed that they indeed had the power of attorney.
On XX/XX/XXXX, I made a transaction with a scammer for website creation to be fulfilled for {$900.00}. On XX/XX/XXXX, I made a dispute with the scammer because, by that time, there was no work done, nothing was fulfilled. I was very disappointed. I made this dispute with CITIGROUP which involved the credit card I have with them. CITIGROUP had claimed to send me a verification for me to respond to the situation but never got any notification on my account nor in my email. 

CITIGROUP has n't given me a second chance to solve this issue. They allowed a scammer to run away with my {$900.00}. And CITIGROUP is making me responsible for this loss. I 'm not happy with it. CITIGROUP needs to reconsider this situation because I 'm the victim here with no service provided for the {$900.00}. 

I tried disputing this situation over and over again but CITIGROUP is n't siding with me. 

Please help me out.
I have a SFR as an investment property. I refinanced it in 2012. I obtained the refinance through a broker. ( In fact when we signed our mortgage papers we signed a document requesting that WE PAY ALL FEES DIRECTLY. That was not honored ) It was sold to XXXX Bank who serviced it from XXXX and then sold to PNC Mortgage who has been servicing it to this date. I requested that they cancel my impound account which they agreed to but they want to charge me {$250.00} to close the account. I do n't remember agreeing to this. Is this legal?
I am trying to get all three credit reporting companies to put a security freeze on my report, as I have checked with XXXX who have admitted that my information has been compromised in their latest security breach. None of XXXX, Experian or XXXX XXXX website will complete my online requests. 

I have tried some of them multiple times, but they will not freeze my report.
NationStar 's loan officer and underwriter generated a malfeasance loan by encouraging an XXXX XXXX applicant to enter into a mortgage loan and requesting that the non-applicant spouse execute a waiver of rights which would allow the applicant to sign loan documents as a single borrower. NationStar indicated that the name of the non-applicant spouse would remain on the deed however, the mortgage obligation would be in the name of the single applicant. The mortgage loan documents were approved with the single borrower executing all required loan documents. The borrower maintained the mortgage loan in good standing until he deceased several years later. The remaining spouse continued to remit mortgage payments until NationStar stated that because the widow was a non-borrower on the loan, she had no rights to the account or the property. NationStar could not negotiate any refinance options nor communicate any loan information because the non-applicant spouse was not a borrower on the mortgage. The non-borrowing widow subsequently purchased another property with different lender and therefore stopped remitting payments on behalf of the deceased applicant. Subseequent to relinquenshing the property, NationStar filed legal actions against the widow who is a non-borrower and requested that the Illinois XXXX County Courts require new loan documents be executed by the widow and that she be financially obligated on the deceased spouses mortgage loan.
HORIZON FINANCIAL MANAGEMENT Original Balance  XXXX  Balance  XXXX  Date Opened  XXXX / XXXX / XXXX  Date Reported  XXXX / XXXX / XXXX
This company did a lot wrong first they call my daughter 's work and scared my daughter. They talked to one of my daughter 's co-worker 's and told her he was a process server and had to serve me papers because I was been sued. Then when I called and told them I do n't owe the debt they kept threatening me at work, Told me if I did not pay right now they were going to sue. When I ask them for paper work they told me they do n't have to give me any. That the debt is in the judgement phase and I got to pay it right now.The company has three names XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The phone number is XXXX. I never got a loan for here and these people are harassing me and my family. When I looked on the web this looks to be some type of a scam.
As a first time home buyer, I was ignorant to some of the practices such as points. The only part I was aware of is that I understood that there would be a higher incurred cost. Though the broker we worked with may not have done anything illegal ( I do not have any legal or property background ), I would consider what was done unethical. I considered this person to be unresponsive to the point where I was reaching out to him more often than he reached out to my fiance and I. He made critical mistakes on the application that could have been simply avoided such as citizenship status and other identification information. My fiance and I had to point out the issues with the application and changes made came on our end. This process was less than conducive to a new home buyer. 

The worst part of this endeavor is when we tried shopping around for the best deal, which is our right to do so. We had a broker approach us about a particular rate and we asked the current broker we were using if he could match, giving him the opportunity to keep our business. He stated that he could without any mention of points. The other rate we were approached about had XXXX points. At this point, a few weeks went by after we had locked in our rate. We were unaware that the loan rate we locked in had points until it came time for closing and the cashier 's check we needed to pay was approximately {$4000.00} more than what we were quoted. We had not heard from him much during that elapse of time which was a period of approximately XXXX days. Due to previous arrangements made around house maintenance, we were cornered into paying this hefty amount which we would n't of had to pay if we switched brokers. There was n't any documentation sent to myself or my fiance, who are both borrowers on the loan, that there were any points. This was the only disappointing part of purchasing the home as the realty company/insurance company we worked with were exemplary. Due to this unethical practice, future loans on my part will not be leveraged through XXXX XXXX XXXX or XXXX XXXX and many of my piers looking for property will be warned against using them as well.
Dealing with a lieing and stealing mortgage company. Proved four lies they have fed to us. Dealing with Bank of America lieing modification. Dept. Names on mortgage have every statement and cancelled payment transaction that prove we are responsible mortgage owners ... ... .. Bank reports false credit late payments on home .... We understand notes are due every month, their phone rep dept. and dept that generates statement balances and mails them to customers, tells the customers doesn ' have a payment due, after the modification is approved ... ... .. Same case as NORTH CAROLINA VS. BANK OF AMERICA ... ... Same XXXX payment exactly one year later ... .... Customer has been told they are wrong over and over ... ... .. Customers have every thing on paper filed in order by date ; waiting for the banks subpeona or the state of TN. Lawsuit
During the timeframe of when I held my account there at Navy Federal Credit Union in XXXX Washington from XXXX. When accounts became due they would freeze my savings/checking accounts until I paid them or scheduled a payment. This was normal operations for them every 2 weeks. I would have to call them to unfreeze my accounts on a daily basis at times. I am sure Navy Federal has records of this. That was the reason why I closed my accounts and went with another bank.
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed.Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified. '' that I have disputed.Please resolve this manner as soon as possible.Thank you
Bank of America will not cancel a home equity line of credit. They acknowledge the {$0.00}. balance and received the written request XXXX XXXX 2017. BofA claims a flood insurance policy has or will be, forced placed, as a " revenue enhancer '' to protect the {$0.00} balance. The home equity/ mortgage dept.says they have no control over this, and transfer me to the insurance dept. The insurance dept says it is entirely up to the home equity/mortgage dept and they transfer back to the home equity/mortgage dept. The two department do not agree as to the amount I should pay but they do agree my balance is {$0.00}. I have wasted several hours on the phone with BofA often getting switched between the two departments. In the XX/XX/2017 mail I receive a statement for XXXX balance with a insurance charge of {$3600.00}. ( This is the first bill I have received ). I called again today, and again got switched from dept to dept. everyone agrees this should be XXXX out, but not by their dept, the other dept has to handle it. They also said I would not get an insurance policy but they would send a certificate of Insurance although the starting date would over a month ago.. Today, I wasted another hour and a half on the phone with bank of America. 
I just want bank of America to stop this nonsense and close all my accounts
I have two inaccurate XXXX accounts on my credit report that are destroying my credit score. Both of those accounts are not mine and should be deleted immediately from my report. 

I have sent multiple letters to all three credit bureaus and they refuse to delete both of those accounts.
Large collection balance with original creditor XXXX XXXX XXXX XXXX for original charged off balance of XXXX. Written notices mailed to address in XXXX and XXXX 2015 did not include notice of rights to dispute or appeal debt or propose settlement arrangements. Debt collectors would not accept money orders or cashier 's checks for continued payment plan, and pushed for series of post-dated checks on large debt. Unwilling to work out settlement with lower interest rates. Letter dated XXXX XXXX, 2015 states " failure to respond by XX/XX/2015 may result in the initiation of asset information review, which may be used by management for the purpose of suit evaluation. This inquiry may include verification of your non-exempt property, funds and/or wages, where applicable, as provided by law. '' At the time of letter this collector had not given any right to cure letter or any certified legal statement that showed court granting of them to take this action. Nor did this statement have any language or heading stating " notice of right to cure. '' This violates Iowa Fair Debt Collection Practices Act that states " a debt collector shall not use.. .misleading.. .means to collect a debt... [ including ] or a representation which tends to create a false impression of the character, extent or amount of a debt, or of its status in a legal proceeding. ''
Bureau of Accounts, Con  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received any letters nor telephone calls that pertains this debt. This account is unverified and immediately needs to be deleted from my all credit files -  XXXX ,   XXXX   and  XXXX .     The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt '' . If Bureau Of A ccounts does not have any documentation, they need to retract this from my credit file immediately.
I was layed off XX/XX/XXXX .I 'm collecting benefits at XXXX per week. I contacted Seterus about a forbearance. I was told If I could make the XX/XX/XXXX payment ; make it then call for the forbearance. Their representative told me no problem ; make the XX/XX/XXXX payment then file for a forbearance. I made the payment and called around XX/XX/XXXX. I explained my wife and i had seperated during the call and was told no problem. I received the PPW and sent it in. Now I'm told by Seterusthat the Rep gave me the the wrong information. Now I have to get a quick claim deed to take my wife off of the loan so they can process the forbearance. They apologized and said they would " coach " the Rep but not fire her. Now I'm facing foreclosure.
I have a a unverified account from Caine & Weiner. I had previously disputed this account. I have never done business with Caine & Weiner. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Caine & Weiner Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Caine & Weiner Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I attempted to transfer funds from XXXX XXXX to Wells Fargo using XXXX. the recipient is affiliated with two accounts at Wells Fargo. Account " A '', a joint account and " B '' a  personal account. The funds went to the joint account NOT the personal account that I would have sworn I designated. The transactions were attempted through XXXX on XX/XX/XXXX {$300.00}, the XXXX {$1000.00}, the XXXX {$1000.00}, XXXX {$1000.00} and the XXXX {$500.00}. Upon seeing the {$3800.00} in the joint account his wife decided that half was hers and took {$1900.00}.
I was incarcerated in XXXX XXXX XXXX ( Florida ) from XXXX XXXX, XXXX until XXXX XXXX, XXXX. While I was incarcerated for approx. 15 months my roomate at the time used my Bank of America debit/ATM card to fraudulently make hundreds of ATM withdraws and Debit Card puchases as well as writing fraudulent checks equaling over {$20000.00} XXXX dollars. These transactions began on XXXX XXXX, XXXX and ended on XXXX XXXX, XXXX. The account went into arrears and was " forced closed '' on XXXX XXXX, XXXX with a negative balance. After I was released from jail I was homeless. When I finally found a home with a solid address and a telephone and computer on XXXX XXXX, XXXX I called Bank of America to file a claim for the fraudulent activity mentioned above. I was told by a supervisor in the ATM Debit Claims Department named XXXX XXXX that the bank can only file and be responsible for claims that go back 12 months from the claim filing date. The claim filing date in this case is on XXXX XXXX, XXXX. Most of the fraudulent transactions took place over a year ago ( 12 months ) and I explained that I believe that I deserved compensation via a claim regardless of the 12 month rule. He refused to help me with this request. Instead, he referred me to the Federal Reserve website www.federalreserve.gov and told me to download the PDF document on Regulation E which explains that it is federal law that a bank is not obligated to compensate fraudulent activity that goes back more than one year ( 12 months ) from the claim date. I followed his instructions and read the PDF document and found no such rule or regulation. I then contacted the Federal Reserve Consumer Help organization at XXXX and they said that they do not have jurisdiction or supervisory authority over Bank of America so they referred me to your organization, C.F.P.B., at XXXX. I called and spoke to XXXX of your representatives who directed me to www.consumerfinance.gov to process a claim online.
I have had a home loan mortgage with OCWEN, I TOOK OUT THE EQUITY OF MY HOUSE 12 PLUS YEARS AGO, TOTAL REPAYMENT WAS {$78000.00} AS OF TODAY I AM IN DEBT TO THEM {$74000.00} I HAVE BEEN PAYING {$530.00} FOR OVER 12 YEARS, I HAVE ASKED FOR A MODIFICATION, TOP BE TOLD TO HOLD ON, THEN THE PAPERS WHERE IN THE MAIL, THE PAERS NEVER CAME. I HAVE ASKED FOR HELP, IN TEN YEARS I HAVE PAID OVER {$58000.00} BUT MY LOAN BALANCE HAS STAYED IN THE {$74000.00} AMOUNT IT HAS NOT DECREASED, AT ALL, THIS IS TERRIBLE, I FEEL LIKE I AM GETTING NO WHERE, ALSO THEY ARE NOT REPORTING TO THE CREDIT BUREAUS AT, ON MY CREDIT REPORT. I FEEL THEY ARE PREDATORY LENDERS. THEY WILL NOT GIVE ME AN UPDATED AMOUNT OWED. IF I HAVE PAID ON THIS LOAN FOR OVER 12YRS, WHY DO I STILL OWE {$70000.00}. WHY DO THEY THREATEN ME WITH FORECLOSURE. 
MY INCOME IS {$620.00} A MONTH, AND MY HOUSE MORTGAGE PAYMENT IS {$530.00}. I AM ASKING TO MODIFY PAYMENTS, BASED OFF OF MY INCOME.