WillisBack/dataset-financial-user-claim huggingface dataset:
I recently paid off my loan with a paper check from a refinance on my mortgage. I personally mailed the check to the location in XXXX where the loan originated. I called last week to confirm receipt of payment and to verify when the overage would be mailed to me. I was informed by an individual at the store that the refund was issued on XX/XX/XXXX. I have been checking my mail to ensure that the check comes in as our mail has been tampered with in our neighborhood. As of XX/XX/XXXX, I had not yet received the check and called into the customer service number to inquire. Upon speaking with their agent, I was told the refund would be issued from the store and that they did not see any notes within the system indicating the refund had been issued. I asked that someone from the store call me on Friday to relay the information and to see if it would be possible for the overage to be direct deposited to my account as the original proceeds were done. On XX/XX/XXXX, I called back to the customer service number to inquire about the refund information again. I spoke to a female rep that explained regulations indicated I could not get a refund until 15 days had passed. I explained that regulations do not indicate that but company policies do and there was a major difference. I repeatedly asked to speak to a supervisor and was told one was busy and could call me back in 30 minutes. I explained that I had already requested a callback and did n't get one. After some back and forth and no effort to put a supervisor on the phone with me, I explained that I would file a complaint to which the agent replied to have a good day and hung up. I decided to call back and got a male agent who was much more professional. This agent actually read through the notes and mentioned that a manager at the store had indicated notes about possibly expediting the refund ; however, I would not be able to get any answers until Monday as the store is now closed and is not open on the weekend. I am quite frustrated at the lack of cohesiveness in the answers I have been provided and feel as though I am getting the run around. This is not a collateral loan, therefore, I feel as if holding an overage for that many days is not necessary. I also understand that I am responsible for this loan including any returned checks which may be presented. The overage was created from my draft which was not stopped due to pending payoff being processed and therefore the {$210.00} and change drafted out of my account is being held more than the federal reg CC guidelines of 11 days. I would like a formal response from the company in regards to the lack of training on policies and procedures given the numerous different accounts of how my refund would be handled.
The bank imposed early payment penalty fee in violation of the loan 's terms. 
Specifically, the terms specifies that " [ consumer ] agree to pay a prepayment charge if this loan is paid off prior to the final scheduled due date ''. I, the consumer, made early, large payment but did not pay if off totally, as the total amount financed plus all fees and interest, is still larger than my overall payment amount. The bank, however, imposed early payment penalty fee on XX/XX/2014. Following the terms of my installment loan, if the bank considers the aforementioned loan is " paid off '', then I should receive my car title and the loan should be closed. However, I was charged an early payment penalty fee. I have contacted with the bank ( case # XXXX ) several times but the bank refused to follow their loan terms. Therefore, I would like Bureau of Consumer Financial Protection 's assistance in reaching an appropriate solution with the bank.
I 'm being billed by Experian Credit Bureau a product called Credit reporting or something to that effect for XXXX for the past three months. I signed up with them for a XXXX trial offer then after a period time if I did n't cancelled they would bill me XXXX. Here 's the problem, I can never get through to them to cancel. What I thought would be an easy process to cancel was to go on the internet and cancel on their website like I signed up but they have no way to do that, they instead make you call which I have over and over and over on the number they give to cancel. The number they give is XXXX and today was the last straw. I waited on the phone for over and hour and fifteen minutes and finally hung up. Who has that much time to waste. They are making it impossible to cancel which I 'm hoping is n't their strategy but it sure seems that way. They have been billing my credit card with the number ending in XXXX and I would like these all of these charges refunded with the exception of the dollar I agreed to. That 's a total of XXXX they billed me and I want it back. I 'm on XXXX XXXX XXXX and I ca n't afford these unauthorized charges.
3 company with inconsistencies, violations and double jeopardy ... 
I requested to XXXX  an investigation for reporting " past due balance '' and " 1 month term '' in collection account from XXXX which represent a violation to FDCPA ... 
The answer from XXXX was a verification from XXXX as shown in their own report attached in this complaint.. 
XXXX is confirming with XXXX the violation ... 
I decide to call XXXX to obtain an explanation but the answer was they has been transfer or sold the account to MCCARTHY , BURGESS & WOLFF to collect the account .... 
Now XXXX is reporting to XXXX an account that is not marked as sold of transfer with a Balance ... So, XXXX  is in violation of the FCRA by reporting inaccuarate information and failing to do a proper investogation.. 
Now MCCARTHY, BURGESS & WOLFF is asking around 600 dollars over the original balance requested by XXXX at the same time is reporting another balance to XXXX ... 
Account XXXX XXXX Violation to FDCPA, Violation to FCRA and double jeopardy ... 

Attached proof of XXXX balance reported to XXXX   before and after investigation and a letter from MCCARTHY, BURGESS & WOLFF collecting another balance for the same account.
On XX/XX/XXXX we entered into a construction loan with Wells Fargo which was converted into a conventional mortgage, at the end of the construction phase, also with Wells Fargo. We believe on XX/XX/XXXX, when we enter into a Conventional mortgage, Wells Fargo Loan Manager, XXXX XXXX, over charged us {$13000.00} in settlement charges on our home mortgage. We believe XXXX XXXX took advantage of us and did not explain and failed to disclose all of the fees properly. She did not give us ample time before closing to make a proper decision. We did not have enough time to switch lenders. The following fees, we believe were excessive ; Return to Float Fee ( {$4100.00} ), Rate Lock Extension ( {$4200.00} ), Loan Origination Fee ( {$4100.00} ), endorsement by XXXX XXXX XXXX XXXX  ( {$1100.00} ). 

On XX/XX/XXXX we attempted to refinance our existing mortgage with a lower interest rate mortgage with Wells Fargo. We again dealt with Wells Fargo Loan Manager XXXX XXXX who attempted to charge us 3/8 of point on a {$570000.00} mortgage, including another {$1200.00} for an appraisal fee. The reasoning she gave us for the 3/8 of a point cost was because our home did not appraise for {$990000.00}. On XX/XX/XXXX Wells Fargo had our home appraised. The home appraised for {$920000.00} on XX/XX/XXXX, but the e-mail Ms.Torres set to me on XX/XX/XXXX about loan options, clearly stated " **These rates are based on assumption of a credit score of XXXX, and a value of XXXX obtained as an estimate from Zillow ( we need a minimum of value of {$810000.00} so we should have no problems with value of the home ). *These rates are for today right now only, we get new rates every day and can have rates worsening and/or improvements throughout the day that we would be subject to. 
On XX/XX/XXXX we decide to refinance our mortgage with XXXX XXXX XXXX. On XX/XX/XXXX XXXX had our home appraised and it was appraised for {>= $1,000,000}, well above the {$920000.00} Wells Fargo appraised it for and above the {$990000.00} XXXX XXXX said we needed to be appraised at. This appraisal happened about a month later, and it increased {$270000.00}. We believe this proves Wells Fargo 's and their Loan Manager XXXX XXXX ' deceptive type behavior and practices. Taking advantage of customers is an unacceptable. Here are the fee Chase charged which were fair and explained correctly and not disclosed at the last minute : Origination Fee ( {$680.00} ), Charge for a specific interest rate ( {$700.00} ), Appraisal Fee ( {$800.00} ), Credit Report ( {$10.00} ), Flood Certification ( {$11.00} ), Title Service ( {$1100.00} ) for a total of {$3300.00}. A lot more acceptable than the {$13000.00} Wells Fargo charged us. To be exact {$10000.00} more acceptable.
XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Debt Collectors : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ATTN : LEGAL DEPARMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX cc : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Re : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX XXXX AS TRUSTEE ( XXXX XXXX XXXX ) Acc # XXXX XXXX XXXX XXXX XXXX XXXX MIN # XXXX Note Date : XX/XX/XXXX NOTICE OF VERIFICATION DEBT Since Select Portfolio Servicing had refused to disclosed the information requested on Notice of Verification Debt., in conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), SPS , XXXX XXXX XXXXXXXX XXXX claiming false interest of third party called XXXX XXXX as servicer with the sole intention to defraud, steal homeowners. After the servicer has not being able to provide, disclosed the information requested below, we commanded SPS, XXXX XXXX XXXX XXXX to release my property from any lien recorded XXXX county illegally and return the original Note, stolen and illegally seize by Select Portfolio Servicing at its offices in XXXX XXXX XXXX, Utah. SELECT PORTFOLIO FAILED TO VERIFY THE DEBT AND DISCLOSED INVESTOR XXXX XXXX XXXX TRUSTEE ADDRESS, DEFAULT DATE OF THE MORTGAGE AND PROOF OF STATUS OF LIMITATION. 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify XXXX XXXX XXXX TRUSTEEheadquarter and agents 3. Default date of Mortgage 4. The agreement bearing my signature stating that I have agreed to assume the debt 5. Valid copies of the debt agreement stating the amount of the debt and interest charges 6. Proof that the Statute of Limitations has not expired 7. Complete payment history on this account along with an accounting of all additional charges being assessed 8. Commission for debt collector if collection efforts are successful.
9. Any insurance claims been made by any creditor regarding this account.
10. Any Judgments obtained by any creditor regarding this account 11. Show me that you are licensed to collect in my state ; and 12. Your license numbers and Registered Agent 13. Explain Select Portfolio Serving 's misconduct and conspiracy  to defraud client with two ( 2 ) different default letter XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for {$230000.00} in less than a year. Both Demand letter/Default letter has a serious fatal error, also failing to state the date of Default date of the Mortgage. Your SELECT PORTFOLIO SERVICING AND XXXX XXXX XXXX AS TRUSTEE office failed to disclosed information of this debt validation letter since XX/XX/XXXX. This account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect or foreclose on the said Mortgage must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt/mortgage against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXXXXXXXXXX
Loan care continues to report me late on my mortgage and I have emailed them several times to no avail. Who can I talk to about resolutions? 

They also reported me XXXX and continue to tell XXXX that I am XXXX. My mother XXXX and by them reporting me XXXX is bringing up XXXX, making it hard to switch services. I asked them to remove it but they refuse. It was the companies responsibility to make sure when I made the payment on XX/XX/XXXX to make sure I was paid up. 

Here is a copy of one of the emails I sent them : First you report me XXXX to the credit bureaus, and AFTER I paid the past two payments of more than $ XXXX, you still report he with past due. It is your RESPONSIBILITY to make sure that when I made the payment of more than $ XXXX to INCLUDE ALL LATE FEES, which you failed to do. I am current with my payments and expect ALL of my statements to REFLECT as such. I am putting this in writing because I need a paper trail in case of further inquests. Below are the payments I made : XX/XX/XXXX LOANCARE SERV XXXX : MTG PYMT ID:XXXX XXXX : XXXX ID:XXXX,XXXX XX/XX/XXXX LOANCARE SERV XXXX : MTG PYMT IDXXXX XXXX : XXXX ID:XXXX,XXXX XX/XX/XXXX LOANCARE SERV XXXX : MTG PYMT ID:XXXX XXXX : XXXX ID:XXXX WEB XXXX XX/XX/XXXX Show additional information for activity type other payment XXXX LOANCARE SERV XXXX : MTG PYMT ID : XXXX XXXX : XXXX ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX LOANCARE SERV XXXX : MTG PYMT ID : XXXX XXXX : XXXX ID : XXXX WEB as Reconciled XXXX
Bank of America hit me for a missed payment back in XXXX 30 days late then XXXX 60 days late in 2014. I never missed a during that time we were working with bank of America to restructure my loan and the full payments sent were said they put the money in a trust and pulled from the trust each month to make the payments. For some reason XXXX and XXXX and XXXX and XXXX show on my report as no report from bank of America but in XXXX and XXXX they show no payment and counting it as 60 days late when the math does not add up. if the math was correct then I should have been way more then 60 days late. I have never had a missed payment with any account I have in the past 10 years or longer.
I received mail about a unpaid debt, I called them and disputed that there was some mistake. Then on XX/XX/2018 the account showed up on my credit report ....
I am writing to dispute the following information in my file. Attached please find copies of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the lien amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social security numbers of both mine and the correct XXXX XXXX XXXX Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old. I am requesting that the lien be removed from my report immediately.
I had a TD checking account that had a {$2500.00} minimum balance to avoid monthly fees. I am a XXXX in college and studying in the XXXX. Before I left for college in XXXX 2017, I converted my account to a basic account so I could take my money with me to college. I left a small balance ( {$25.00} ) in the account to keep it open. When I returned to NY in XXXX I learned that my account had been charged {$15.00} per month for four months and then the negative balance of {$35.00} written off and the account closed. When I went into a branch, the representative told me I should have changed the account to a student account which has no minimums rather than a convenience account that has {$100.00} minimum. I was not told of this option when I converted my account in XXXX. I would like to have these four {$15.00} fees waived and my account reinstated.
I was shocked when I reviewed my credit report and found late payment on the dates below. After several conversations with the credit bureaus and capital one. I noticed that XXXX  fixed the errors, however, i still noticed the dilemma on the other 2 credit report agencies. 

XX/XX/2018 - 30 days late for {$5.00}??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have an account showing collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX XXXX on my XXXX credit report that has been removed from XXXX and from XXXX because it is on my report by a complete mistake. XXXX REFUSES TO REMOVE WHILE ALL OTHER CREDIT REPORTING AGENCIES HAVE FIXED THIS MISTAKE. Im not sure if this is because of breach of my personal information, because i was one of millions that was violated by this. I have not paid for there credit score services. Could this be the reason they are not fixing this mistake? XXXX WILL NOT REPAIR MY CREDIT REPORT, and I have disputed this account three time over the past 6 months. PLEASE HELP!!!
In XX/XX/XXXX, I purchased a Fannie Mae property under a XXXX rehabilitation loan. 

Back in XX/XX/XXXX, I found a realtor by the name of XXXX XXXX of XXXX XXXX, who referred me to XXXX XXXX at XXXX XXXX. XXXX promised that she had a mortgage banker who is experienced in distressed properties, and when I met XXXX he assured me he could help me. XXXX and XXXX then referred me to a contractor by the name of XXXX XXXX, who is from NJ but somehow on paper represented himself to be part of XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX, NY. 

When I closed in XX/XX/XXXX, The contractor was given an installment to begin repairs on my house. Then in the course of four months, the contractor had access to my house to do all the necessary repairs to make my house habitable.
In those four months, the contractor had ample time to complete the work, he even asked me to hire other contractors to do the plumbing and electrical work. .The plumber and electrician was referred to him from XXXX at XXXX XXXX . Which was shocking because I was promised to have a brand new home, and that I would not need to put out a dime outside the contracted price of XXXX, which was rolled into the XXXX loan for the rehabilitation. It became apparent that XXXX of XXXX XXXX intentionally wrote the contract so that I was responsible for repairs that was necessary to make the house habitable. 

XXXX knew that I was a single mother of XXXX kids and that I had a tight budget. He throughout the whole process assured me the numbers would work according to how much I could spend. 
After closing, I constantly had surprise after surprise, and found that I was paying for electrician, plumber and supplies from XXXX XXXX totaling over 2500 dollars. 

By the end of the project, I was over budget and dissatisfied with the run around that I was getting. When I moved into the house on XX/XX/XXXX, I was still having problems with plumbing, roof leaking and gas. 

The conditions were unbearable for me and my children and still is. To date, the ceiling in one of my bedrooms caved in from roof leaking, the paint on walls are all chipped, the flooring has chipped, the plumbing is poor, the basement was not repaired and the list goes on and on. I have a paper trail of emails, messages to XXXX and XXXX XXXX about the terrible conditions of my home and no action has been taken. 

The work is under a warranty and I was advised by legal counsel to file a lawsuit. I also had a licensed contractor access the damages and he has written an extensive report of the defective and poor work. 

I have asked XXXX and XXXX to please send another contractor to complete the work properly but they insist on sending a handyman who has in the last year has proven to not have the skill set to do the work properly. 

I am seeking restitution for my pain, suffering and aggravation. As well as money for repairs. I have invested a lot of money and time in this property. Me and my kids are suffering and its not fair.
My score was maintaining an average XXXX and now that Chase Auto loan fraudulently reported up to 90 days on my credit along with my husband causing our credit score to go down 100 points. 

Back on XXXX 2017 I called Chase Auto loan to Deffer three months payments due to Hurricane IRMA which they approved and said it would not hurt my credit nor will it go on my credit Score however it did indeed show up on credit and harmed my and husband score very much. This should have never gone on report and now score is extremely low and showing it is now current however score only went up a few this should not have happened and score should be higher as it was before. 

Please help fix our issues and score increase. Thank you so much
I had contact with the collection agency Portfolio Recovery on today, XX/XX/19 regarding a letter indicating they purchased a debt that belongs to me. According to the letter and the comments made by their Operations Manager XXXX, the debt was purchased on or about XX/XX/19. I initially discussed a settlement offer with an agent and also inquired about credit reporting. I simply asked since the debt is not currently credit reported by Portfolio will my payment arrangement for the settlement offer prevent credit reporting. The agent was unable to answer my question so she put her manager, XXXX on thee phone. When XXXX came on, he appeared to be combative and argumentative. When I asked him the same question about credit reporting he stated their company has already sent notification to the credit bureaus upon the purchase of the debt. I asked how could this have been done when I have 30 days to dispute or acknowledge the debt prior to credit reporting and that today, XX/XX/19 was my first and only contact with them. He stated because I owe a debt that they purchase and they have a right to do so. I informed him if notification of the debt has been sent to the credit reporting agencies within the validation period, they have violated FDCPA and FCRA
I contacted TSI regarding information on my credit bureau report. I was given my main account number and was transferred to a different department. The woman I spoke with, her main number was XXXX. She was nice until I requested verification of the debt, at which time she told me she would request it but I would likely not receive it since they 'd sent information previously and I had not responded. I told her that they were sending to the wrong address previously, to which she continued to berate me about how I was not cooperating, etc. I told her that I wanted to speak with a supervisor. She XXXX refused to pass me to a supervisor. Then she put me on hold for some time, then came back and told me that she had the XXXX supervisor that was on a conference call and the other that was not at her desk. I told her that I would wait for the conference call supervisor, she had insisted on putting me into voicemail. She then put me on hold again. When she came back, she told me she would give me dates of service over the phone along with patient information and amounts owed. She apparently is not sending me this information, which I had requested. She wanted me to pay the smaller balances over the phone, to which I told her that was in dispute. She is also stating that bills for my husband, which he has a separate insurance and I have not signed as guarantor on his accounts onto mine. She also refused to let me send in payments, she told me if I sent in payments, they would be applied to all the accounts, rather than the XXXX I specified and if I chose to pay for a specific account it would have to be done over the phone. I want to file a complaint against this company and this collector.
I tried to het my free credit report and thry went all the eay to asking securty questions. I answered them corectly i dont have any line of creit with any stores but apprently someone does in my name. Im afraid im a victim of identy theft. I have a havker on my email and they have done thid. Were are thr packages going not here please help