WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making more than my monthly required payment of {$600.00} by a Automated Clearing House ( ACH ) transaction from my checking account on the XXXX of each month in advance of my payment due date on the XXXX of each month to Mercedes-Benz Financial Services. I make additional payments to pay off the loan early. I made one for {$3700.00} on XXXX XXXX, XXXX. It was credited to a " Over Paid '' category and not to principal and interest. Subsequently, my normal ACH payment of XXXX XXXX, XXXX for {$700.00} was received and credited to the " Over Paid '' category. Reviewing my online account " Transaction History '', I saw {$4400.00} sitting in this " Over Paid '' category. On XXXX XXXX, XXXX I called the Customer Service Center and they said there was a new software update which moves money into this category. I requested these transactions be moved to pay down principal since my next payment due was on XXXX XXXX, XXXX. They said they would do that. I reviewed my Transaction History online report and saw only {$3000.00} credited to principal and {$1400.00} still in the Over Paid category. I sent an email request to Customer Service to have that amount moved into principal. I have called and sent followup email requests to Customer Service and they said they would do it. It still had not been done as of XXXX XXXX, XXXX. I called again and was reassured it would be done. Reviewing my Transaction History report online, the {$1400.00} disappeared from the Over Paid category. I called on XXXX XXXX, XXXX XXXX, and several calls thereafter. No one can explain what has been done with my payments totaling {$1400.00}. On XXXX XXXX, XXXX, I was finally able to speak to a manager who sent me a Historical Account Summary of my loan history. It shows a - {$1400.00} reallocation to Payments Received on XXXX XXXX, XXXX, with corresponding reductions to principal and interest. There is no offsetting credit being applied to principal. So, what happened to the money? I have been trying to get this resolved and unable. Mercedes-Benz Financial Services ( MB Fin Serv ) reports do not align with the customer online Transaction History report. The provided Historical Account Summary does not align with information on reports verbally discussed with the Customer Service Manager or Representatives. MB Fin Serv online reports and monthly statements do not provide any meaningful information to the customer. Reassurance the {$1400.00} has been applied to my loan are invalid. The loan outstanding balance increased by {$1400.00} dollars on XXXX XXXX and has not reflected my payments being made. What happened to my payments can not be explained by MB Fin Serv. I can prove I made the payments to them, but they can not prove they applied them to my loan.
We are resubmitting this complaint since it is meant for CFPB ( as well as Chase ). 

Dear CFPB : ( 1 ) Please investigate Chase 's mortgage account book. We received wrong mortgage interest statements ( Copy B ) and ca n't file our tax return. 
( 2 ) Chase paid only {$8800.00} and {$5800.00} in interest XX/XX/XXXX and XX/XX/XXXX while they should have paid ~ {$9900.00} and ~ {$9500.00}, respectively. We made regular payments ( interest + principal ) throughout the years. It appears that Chase stole the money before they paid interest. 
XX/XX/XXXX {$11000.00} ( Chase payment ) vs {$11000.00} ( our estimate ) XXXX {$10000.00} ( Chase payment ) vs {$10000.00} ( our estimate ) XXXX {$8800.00} ( Chase payment ) vs {$9900.00} ( our estimate ) XX/XX/XXXX {$5800.00} ( Chase payment ) vs {$9500.00} ( our estimate ) ( 3 ) Chase violated our NOTE & DEED OF TRUST which state that the payments should be allocated in the following order of the priority : ( a ) interest ; ( b ) principal ; and ( c ) escrow. 
( 4 ) We want to point out that, by mere paper work, Chase manufactured a false deficiency and stole ~ {$35000.00} from us. They doubled tax burdens ( with 100 % interest ). Chase allocated the payments in the following order of the priority : ( a ) Chase 's theft ; ( b ) principal ; ( c ) escrow ; and ( d ) interest. Actually, there is no escrow ; it 's paid off ; and Chase is paying a manufactured, ghost escrow.
I have my mortgage with Central Mortgage Company and they charge a processing fee of {$5.00} every month when I pay online. I have XXXX other mortgages that do n't charge fees for this, and my mortgage was sold to Central Mortgage Company so I had no decision on which company would hold my mortgage. It seems a little rediculous to be charged {$5.00} a month for paying online when there is not a processing fee if I pay via mail.
I have reviewed my credit reports and I see that a company by the name of " Blackhawk Finance '' has placed a charge off on my reports. I have no recollection of said account with the company. The company is out of business according to the Better Business Bureau nor is it accredited.
I have an account with XXXX XXXX and they help me a lot..I have to give them my online banking login and stuff and my bank is supposed to send them my bank statements frequently however my bank has been slacking drastically..I need my bank to start sending XXXX XXXX my bank statements more often ... ..
I disputed XXXX, XXXX, XXXX and XXXX on my report because of inaccurate amounts that I have battled these companies with over a period of time. I settled with XXXX and XXXX because there responded and decided to settle with me. XXXX and XXXX did not respond and it was removed from my report. Next thing that I realized is the collection agency sold my collection to another agency and submitted it again Equifax and XXXX placed these deleted items back on my report and refuse to take them off. I did my part. I have battled with bad credit for most of my life and I have turned this around and have paid off all of my debts. I am asking that this be removed and not sold again. This is not fair to the consumer
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX XXXX  To Whom It May Concern : I dispute the validity of XXXX account XXXX. I request a investigation be opened for this account. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,
I do n't remembering having an account with XXXX XXXX which states I owe {$2800.00}. I see this account listed on my credit report which shows it was already Charged off / Written off, as the last payment was paid XXXX 2015. Now 2 years later I received a notice from a Law office of Patenaude & Felix which states they are collecting for XXXX XXXX. This is not my account and it is listed on my credit report which was just brought to my attention due to this Collection company sending me a notice to pay or receive a Judgment. This legal document has no stamp from the Courts which makes me think this is not a legal document. What can I do to stop this collection on an account I do n't believe I have.
We purchased a Refrigerator from J.C Penny store on XXXX2017 and it doesn't work at all. No cooling whatsoever. We contacted them several times then, and finally came on XX/XX/XXXX to pick-up their Defective appliance, Selling Defective Appliances really terrible, they charges us XXXX  for the Refrigerator. And XXXX for the Windows Blinds., and on other statement showing $800.00 some dollars. Therefore; J C Penny must removed the Refrigerator price from the statement period. and rectify the Blinds amount correctly.
Company involved is Shellpoint Mortgage Servicing. 

I submitted a previous complaint XXXX on XX/XX/2018. 

My concern is that this case was closed, because the company responded to my above complaint, and the case was closed on XX/XX/2018. The response that was provided by Shellpoint Mortgage Servicing originally has now been changed and I was not informed until today, XX/XX/2018. 

When I originally asked to be put back on a repayment plan, I was told that it wouldn't be possible and that If I wanted to keep my home I would need to pay {$15000.00} before the foreclosure sale date of XX/XX/2018. 

It wasn't until I filed my complaint that they were willing to work with me, and XXXX put me on another repayment plan to pay off the {$15000.00} that was past due. 

I asked XXXX XXXX, my point of contact in the loss mitigation department and several other rep 's in that department what would be my monthly repayments, and I was told that they did not have the current figures because they needed to get the total cost of the attorney fees and appraisal fees, and it would take up to 7 business days, and once the figures were all calculated, XXXX would contact me with the payment breakdown. This process started between XX/XX/XXXX and XX/XX/2018. 

When I called and a week later to spoke with XXXX to see if they had the repayment figures worked out I was informed that she did. I had to make an initial down payment of {$8200.00} on XX/XX/2018 ( pymt made ), second payment of {$3100.00} was to be paid by XX/XX/2018, and 5 subsequent payments of {$3100.00} to be paid over a 5 month period to satisfy my repayment plan. 

Here it is XX/XX/2018, I receive a call from XXXX stating that my payment plan that was originally agreed upon based on their calculations has now increased because they did not include {$180.00} ( late fee ), {$2300.00} ( legal fee ), and {$1100.00} ( other fees ) to which she could not explain what the " other fees '' were. And this is already after I made my payment of {$8200.00}. 

How is this helping someone to keep their home??? It's more like a SCAM to get me out of it. This is not the first time this company has done this to me ... it first started with the modification that turned into a repayment plan. 

How is this even ethical or moral? The whole purpose of them having me wait from XX/XX/XXXX-XX/XX/XXXX, was so that they could calculate the cost. This should be against the law.. they need to be investigated by the CA Attorney General 's office due to their immoral and predatory practices ; not to mention the laundry list of consumer complaints against them. 

Now I wonder if they even stopped the foreclosure process/sale date. 

I want an audit!
I called  Chase  customer service department  XXXX  about my checking account because I wrote a check #  XXXX  for {$240.00} and the bank processed as {$540.00} creating a negative balance on my account and I have no access to my money. I spoke to a supervisor and he said even though it is a bank error they have to wait  XXXX  days to get the credit back to me. is a terrible customer experience and it did not take the bank  XXXX  days to take the incorrect funds from my account. Now I am wondering if they have made this same issue with other checks I have written. Another issue I have is at the beginning of the call a message indicates the call  may be recorded but when I told the representative they transferred me to in their executive complaint department thatI was going to record the call, he told me I could not record the call because it was against their policy. Why are they allowed to record but   the customer is not?
Extremely poor customer service & tracking/monitoring for consumer payments/payoffs.submitted a payoff a month ago still not processed, improper credit mark This company has extremely bad customer service and a very bad process to track payments and payoff checks. I 'm a military member whom send Chrysler Capital account number XXXX a cashiers check for the loan payoff amount of {$27000.00}. Three weeks later this payment has still not processed and because of this I received a late credit mark on my credit report which is showing more than 30 days and my score dropped by XXXX points. This payoff check was overnight to the company more than three weeks ago. It was XXXX overnight delivery service and was signed for by XXXX of the employees at the company. I have called a numb of times and keep getting told that there is no way for them to track checks that they have received. XXXX XXXX XXXX XXXX i find this extremely unprofessional, how can there not be a tracking mechanism for consumers who submit cashier or personal checks. How can there not be a mechanism for consumers not to get penalized in their credit reports for paying off their accounts on time. In over 15 years of dealing with finance companies this is the worst I 've ever seen. Their customer service is horrible, no one knows how to provide the proper answer or help the consumer. I find this very unprofessional, very unethical, for consumers such as me that work hard to keep their accounts current, to keep a good credit standing and the bad business practice of finance companies like this do not due their due negligence and try to hurt consumers credit standings to charge higher interest rates. The practices and customer service of this corporation are completely unsatisfactory. Please assist me in solving this matter and fixing my credit standing, thank you for all the assistance. XXXX XXXX XXXX XXXX XXXXXXXXXXXX
I continuously receive phone calls from a company named Premier Recovery Group ( PRG ). I decided to contact them today to find out what is the nature of their consistent calls. They mentioned something about an online loan from many years ago that I have no knowledge of. in addition to the rude tactics the representative had while speaking with me, there are several FDCPA and TCPA violations. The agent never provided the mini miranda, did not properly identify he was speaking with the correct person nor did he provide the recording statement. I have never given this organization express consent to dial my cell phone number ; I do not even know who they are. When I verbally requested a cease and desist the agent began to yell " Pay your bill '' several times and hung up, then called right back. I did not apply or receive any payday loan for whatever time period they are claiming
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Penn Credit is attempting collection of an alleged debt on behalf of XXXX XXXX who had provided brokered gas utility service to us when we lived in Illinois. We have provided documentation from XXXX XXXX of Illinois to both XXXX and Penn Credit proving XXXX has been paid in full by XXXX on our behalf, yet collection efforts continue.
chase bank fraudulently opened thousands of amazon consumer credit cards in response to a {$50.00} promotion that amazon ran in XXXX of 2016. The {$50.00} was paid to anyone requesting an amazon credit card, whether or not credit was approved or denied. a credit card was fraudulently opened in my name, even though the address provided was XXXX i had not lived at for 11 years. chase was negligent in not checking obvious errors in my application as well as errors in thousands of other consumer applications for credit for amazon credit cards in response to this promotion. i would like the XXXX to open a class action suit against chase. at minimum chase should provide free credit checks with all XXXX credit bureaus for two years for all consumers who were harmed in order that they can monitor the ongoing fraud. i also believe they should pay compensation for the damage resulting to consumers credit due to their errors and omissions that allowed this fraud to take place. i contacted the FTC who suggested i file a formal complaint with your organization.
Multiple charges were incorrectly debited from my account due to merchant error. I disputed the ones I could not resolve on my own and resolved the rest with the merchant. These charges resulted in overdraft fees. US Bank informed me that I would not need to dispute the charge to get the overdraft fees refunded if I resolved the issue on my own. US Bank has only issued a refund of only some of the charges and I have been trying for the past two months to resolve the rest with no luck. Every department/group believes it is someone else 's responsibility or a customer service rep will inform me that refunds are being processed only to find out this is not true. I can count at least XXXX separate phone calls from me to US Bank trying to resolve this. 

US Bank does not provide statements that show an accurate or reliable way to account for overdrafts due to " holds '' or debits. This is also causes the consumer to not get an accurate understanding of the account.
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX  Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX  I have attached a copy of the report to this complaint.

Upon checking my credit I found an item from " Go Financial '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''.

I have never done business with either Go Financial or XXXX.

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from XXXX.
My complaint is against Experian Credit Bureau and   XXXX   Credit Bureau. These credit reporting agencies continue to engage in unfair reporting practices.     I have disputed the following accounts to no avail :  1.   XXXX   XXXX  - Account  Number  :  XXXX  ....   The creditor inaccurately reported the account as charged off when it fact it was paid directly to the company prior to being charged off. There were several inaccuracies in this reported account, and each time it was disputed, Experian and   XXXX   allowed the company to keep changing their report instead of demanding actual proof and documentation of the account. The creditor initially reported this as an installment loan - which is was not. The balance was NEVER correct. And now the creditor is reporting it as paid in a settlement, when in fact - the correct and actual balance of the account was paid. Which was less than the creditor ever reported. Each time I disputed this account, Experian and   XXXX   entered the dispute as being a " Not My Account '' dispute and then came back saying it was " verified as my account '' I knew it was my account, however the details were incorrect. I used the online method, as well as calling the bureau directly.   Because of these disputes, the creditor continued to say it was my account. At this point it is still reporting incorrectly and the creditor agreed to remove the account totally from my credit report. I am asking Experian to request the full documented history on the account instead of just electronically verifying the ownership. This account should be removed as promised.  <P/> 2.   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , IL  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  ....   This company entered a fraudulent judgment against me for an amount I never owed. The courts verified this and the judge therefore vacated the judgment in its ' entirety. This account was supposed to removed from my credit report completely. I sent Experian and   XXXX    documentation concerning this account, including the judge 's orders and they still continue to report this account as verified as accurate. They allowed the creditor "   XXXX   XXXX   '' to continue to report this as an open and unpaid account for several months after this was resolved. I have suffered enormous damage as a result of the inaccurate reporting that Experian and   XXXX    continue to say was " verified as accurate. '' How was this verified as accurate when I sent the judge 's orders, as well as receipts from the creditors attorney - months ago. Most recently now Experian simply updated it and change the balance to  XXXX .   Experian and   XXXX   needs to request the complete history of this account, including all documentation from the attorney etc, and this will prove that the company participated in fraudulent reporting on behalf.   This derogatory account is supposed to be completely removed from my credit report.
Also, I did dispite this I have no contract with them and they will not send a written repayment aggreement. This need to be removed from my credit since I can not repay them If they will not do it in writing.
On XX/XX/XXXX I pull my credit report from all three credit bureaus and noticed that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX-phone number XXXX XXXX XXXX reported a telecommunication account # XXXX from XXXX XXXX for {$1000.00} - all three credit report shows this account was open on XX/XX/XXXX balance date XX/XX/XXXX, although i disputed the account, it sat on my report until it dropped from all XXXX credit reporting bureaus aroung XX/XX/XXXX. Then XXXX XXXX sold the account to XXXX-XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX The add the account again to my credit report with experian on XX/XX/XXXX as a new account ( with partial accounty number XXXX for {$1000.00}. I disputed this twice already and fax my old credit report to the credit bureau and they still have not corrected this violation. 
EVEN IF A CREDIT COLLECTOR BUY AN OLD DEBT, THEY ARE REQUIRED TO REPORT THE ALLEGED ORIGINAL DELINQUENCY DATE NOT JUST MAKE ONE UP AND INTENTIONALLY SOIL SOMEONE CREDIT. i WAS DENIED CREDIT BECAUSE OF THIS COLLECTION ACTION AND WILL BE FORCE TO SPEAK WITH AN ATTORNEY IF THIS IS NOT CORRECTED.
This is a continuation of the issue that was addressed in complaint # XXXX. Ditech addressed the complaint noted above and posted my payments to my mortgage XXXX/XXXX/16 as well as waived the late fees. I received my XXXX/XXXX/16 statement from Ditech and now my XXXX payment has not been applied to my mortgage account.
XXXX has a secured credit card program that states if you make your payment ontin and no adverse usage the card will become unsecured and an increased credit limit will be applied. I open a secured card with XXXX and made payments on time never lat no over utilization a FICO score of XXXX with no delinquency in my credit history. 

I was congratulated by XXXX for my management of my account and they upgrade the card to a unsecured.They did not increase my credit limit I was told they would like to see how I pay the same credit amount to consider an increase in the credit limit. This is contrary to the promotion that they offered. A friend who referred me to XXXX had negatives and adverse info on his credit history but after doing the same secured promotion he was given an unsecured limit of 1000 % and was never asked to show how he would pay the unsecured credit line before they increased the unsecured credit limit. This is discrimination and this is unacceptable.I spoke to a supervisor by the name of XXXX XXXX in XXXX credit operations.