WillisBack/dataset-financial-user-claim huggingface dataset:
RESPA states that the servicer should provide an explanation of how the surplus, shortage, or deficiency is being handled. BAC 's explanation does not include options for the customer to pay the full shortage. Their statement is confusing and seems to want to keep customers with a higher monthly payment and potentially cause financial distress throughout the rest of the year.

I received the escrow statement from Bank of America and it does not provide clear instructions on how I can pay my escrow shortage so my monthly bill isn't impacted going forward. It is very confusing and will likely lead to customers maintaining a higher monthly payment. Their website also doesn't allow you to pay the shortage without paying the monthly mortgage payment. It seems that they want to keep me at a higher monthly payment amount which isn't beneficial to how I pay my monthly bills. On the other hand, XXXX  's escrow statement provides three very clear options for the customer and their website allows for escrow only payments.
I received a letter from ADVANCE FINANCIAL saying they were going to take out {$280.00} from my checking account on XXXX/XXXX/XXXX. On Saturday, XXXX/XXXX/XXXX, I called them ( they are open XXXX ) and told them I could not afford that amount coming out. I told them that I could pay {$25.00} the following Monday, XXXX/XXXX/XXXX. The representative ( I did n't get her name XXXX agreed to the arrangement. On Monday the XXXX, I found that {$290.00} had been drafted from my account. I called Advance Financial again to find out if they took it. The representative that I spoke to ( did n't get her name either ) said that they had not yet taken anything out of my account and confirmed the earlier arrangement. I then went to my bank to find out who took it out. They said it was Advance Financial. I then called Advance Financial again and got a male representative. He said that the draft was put in motion on the XXXX, which was why it was n't stopped by the arrangement on the XXXX. I then asked him why I was told by a representative earlier in the day that they had not yet taken anything out. He said he did n't know because my account showed that I called earlier in the day, but not what was discussed. 1 ) The rep I spoke to on Saturday XXXX XXXX ) did n't tell me this transaction was pre-arranged, already in motion and would n't be stopped or changed no matter what I did. 2 ) The rep I spoke to today XXXX XXXX ) LIED to me when she said that they had not taken anything out of my account today. Now I have to borrow money from yet another company to cover outstanding checks and debits in order to prevent them from bouncing, thereby causing overdraft fees, thereby causing even more debt.
Golden 1 Credit Union has ran my credit without my permission and I am requesting the removal of the hard credit inquiry from my XXXX credit report. 

I have attached a copy of my pre-approval letter from my credit union, XXXX XXXX XXXX, which shows that there was no reason for my credit to be ran.
HI MY COMPLAINT IS ON EQUIFAX SUPERVISOR NAME LAMONT HE IS FROM NEVADA ID NUMBER ( XXXX ) ... HE IS VERY DISRESPECTFUL, HE DENIES ANY KINDS OF DOCUMENTATION PROVIDED TO SUPPORT MY DISPUTE. HE GIVES YOU FALSE INFORMATION BY MISLEADING YOU NUMEROUS DIRECTIONS. BUT ONCE TRYING TO GET THE DOCUMENTATION HE NEEDS YOU END UP NO WHERE BECAUSE HE LIES JUST TO GET RID OF YOU I AM A VICTIM OF IDENTITY THEFT AND I'M BATTLING XXXX FROM BEING VICTIMIZED HE DOESN'T TREAT SITUATION FAIRLY UNDER THE FCRA LAW. HE COMPLICATES THE SITUATION MAKING IT EXTRA HARD TO REMOVE FRAUDULENT ACCOUNTS I HAD TO CALL COUPLE OF TIMES TO EQUIFAX HIS MAKING A MOCKERY OUT OF MY CASE SAYING YOUR FILE IS NOTATED I CANT HELP YOU.
On XX/XX/2018, I attempted to withdraw the sum of ( XXXX   ) from the ATM on XXXX XXXX XXXX XXXX CA XXXX   using the Comdata card provided to me. And the amount of ( XXXX ) was the only thing dispensed, but it debited me ( XXXX ) not only once but twice the ATM displayed an error on the screen. I went to customer service in that store and I was advised that I needed to contact Comdata to work it out with them since the atm was not theirs and that they had nothing to do with it. I immediately contacted Comdata and was connected to a customer service representative. I was advised that a dispute would need to be opened and that I would be hearing from someone within a few days. On XX/XX/2018 after not hearing from anyone, i called them and they said that by the XXXX i would get my ( XXXX ) refunded back in my account i called on the XX/XX/18 since it was already XXXX and nothing apeared on my account and so i was told that if the next day i didnt recieve anything to call again.. I was provided a case number and was told that I had to write to them to get any additional information, which I did. And. So i checked the next day and nothing on my account i called them again and now they said that that kind of dispute could take up to a month so i had to wait. On XX/XX/2018 i called again because i still havent gotten refund my money and they escalated the case and told me to wait 24-48 hrs. Its now XX/XX/2018 and still nothing these are payroll funds that are necessary to pay household expenses. I have been more than patient, but I still have no resolution to this. I need some assistance to get my payroll funds back to me immediately. Im tired of waiting i think i have waited enough time already
in violations of the federal governmental housing regulations per the home loan mortgage foreclosure procedures by law the bank first legal step was to file and have me served with a NOTICE OF DEFAULT in missing payments of the mortgage loan in a non judicial filing the notice of default should have been filed with the XXXX recorder office where my real estate property is located per a judicial court foreclosure filing the XXXX court should have served me with a court complaint with a case number concerning the notice of default as the homeowner legal rights by law to payoff the total default loan amount and stop the the bank foreclosure process and this procedure by law should have only been taken AFTER the bank made all legal efforts to modify the mortgage loan for refinancing AS THE BANK DID NOT COMPLY AS TO BE IN COMPLIANCE WITH THE XXXX STATE AND FEDERAL AGENCIES LAWS BEFORE EXECUTED AN IMPROPER HOMEOWNER 'S FORECLOSURE EVICTION thank you.
I submitted a letter dated XX/XX/XXXX certified on XX/XX/XXXX to XXXX XXXX collection agency requesting documentation this agency has the right to collect on a discharged debt. XXXX XXXX sent me a letter advising me this collection was assigned to them ; however, XXXX XXXX fail to provide me in writing any written agreement between XXXX XXXX collection agency and Speedy Cash. The information provided was the loan agreement signed with Speedy cash, whom choose to charge-off this balance. I contacted XXXX XXXX by phone on XX/XX/XXXX, to discuss that this item should be removed if they could not give me the requested documentation ( written agreement between XXXX XXXX and Speedy Cash ). XXXX XXXX representative stated their company can't provide that in writing only verbal. After this call and I indicated this amount is not collectible and XXXX XXXX doesn't have the right by law ; XXXX XXXX change the reporting payment to reflect past due which cause my credit score to drop by XXXX points.
I tried to get my Credit Report and score via Experiam.com and was not able to do so online. 
I received a email from Experian with a phone number to call instead to get get my Credit Report and score. 
When I called the number XXXX the level of disrespect, professionalism i received was unbelievable. Never in my life I experience customer service as bad as thatXXXX call- could n't help me and transferred me to a machineXXXX call- could n't help me and transferred me to another line that did n't workI called again, for the XXXX time. This time a male agent try to help me and he could n't either. 
I ask to speak to a supervisor and i was on hold for 15 minutes. supervisor finally came on the phone and said there was nothing she could do for me. She now transferred me to another department after I had to hold for another 20-30 minutes. At this point had been on the phone for about 1 hour and 30 minutes. and all I wanted is my credit report or if they cant give to me to give me a reason why not. No one at Experian could do that for me. 
This next person I talk to was completely rude, unprofessional and mean. she started screaming at me saying that there is simply nothing she can do for me. I ask to speak to her supervisor and she said I could n't. unbelievable! I asked her for her name. she said she could n't provide that mind you I 've provided this person with all my info : name, address, birthday, social security ... you name it. yet, she would n't tell me her name or transfer me to a manager. After I pressured her to get her name she said her name was XXXX '' from the XXXX department. I then ask her for her operator # and she would n't provide that either. So I hung up and now I do n't have my credit report from them and I dont have a reason as to why not. I was disrespected and its sad that a company as big as Experian would treat people like this
I became a victim of ID theft in XXXX and in XXXX I was informed by the IRS that someone had filed my income tax return using my personal details and when i had my XXXX report pulled because i am trying to purchase my XXXX home. I was subsequently informed that I had a large amount of debts in collection. I requested my free reports and found that I have ( XXXX ) medical entries that do not belong to me. i contacted the ( XXXX ) bureaus and informed them that i wanted to file a dispute ; immediately I contacted the debt holders and informed them that i was a victim of ID theft and I needed them to send me written validation of the account and information detail where and how the account was opened. All that has transpired since my initial contact since XXXX from my efforts was a security alert being placed on my file.
Calling repeatedly during the day. Advised i was working and unable to talk, they repeatedly called back. Upon attempting to return the phone call they immediately hung up on me and then started calling me again. Rep was XXXX @ Elite Financial. Today alone i have calls @ XXXX ; XXXX ( told unable to talk and hung up ) ; XXXX called back and immediately hung up on me ; XXXX attempted to call back to advise a better time to call, was hung up on again. XXXX was hung up on ; XXXX ignored call
I recently checked my credit and seen tons of inquiries on report. I have no knowledge of these inquiries nor did I give anyone access to my personal information. I called each companies number on my report and spoke to their rep regarding this matter. The reps stated it would be removed. I waited two months with no improvements. Below are all the information being reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX ATTN  CREDIT DISPUTES DEPT XXXX. XXXX   XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OHXXXX - XXXX/XXXX C/O XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX
I had a Short Sale which closed XXXX/XXXX/2011. There was as XXXX & XXXX mortgage. I paid the XXXX mortgage ( HELOC ) Charter one bank the whole time and never missed a payment. They agreed to settle the debt. They are reporting on my credit that it was delinquent and a Charge off. It should be reporting as Paid as agreed, never late and debt settled*** Not delinquent payments and a Charged off balance still reporting. I even have an email from them promising this would settle the debt to a XXXX balance.This is damaging my credit and causing me financial harm. I am trying to refinancing and can Not because of this.
i made my monthly payment ( {$60.00} ) to continental finance for my matrix credit card bill. the company claims the that they never deposited the check and it was returned. they also charged me a {$25.00} returned check fee. this is all a lie because i have the copy of the check from my friends bank which shows continental finance deposited and endorsed the check. so they basically took my money, lied and said they never received it, and now charging me a returned check fee. they are also telling me that it will take up to 90 days to resolve the issue and i have to repay the {$60.00} + returned check fee in the mean time.
Response received from Walmart through the CFPB report is not accurate. On top the problems of fraud and scam continue. An e mail received from Walmart states that Walmart did not receive payment for the month of XX/XX/2019. However, I have the receipt of payment posted on XX/XX/2019. The amount credited ( XXXX ) is not the correct amount. My balance with Walmart was XXXX after I had made 2 payments on an adult trike and a XXXX tablet. Those are the only two items I charged to my account. Any other charges falsely Walmart has posted gave to be removed as I did not authorize. If Walmart insist in posting false charges, provide me a video of when did I go to store to obtain any other items. As everyone knows Walmart has records of cameras and times people shop. I need to see my account cleared. The response received is not accepted and is fraud. Do not charge me for things I do not acquire. I have posted this in the XXXX credit report and I have a receipt for the payment made in XX/XX/2019 XX/XX/2019
I took out several loans from XXXX back in XXXX. I had a substantial amount of debt with Navient / XXXX. After graduating, I was employed but making hardly anything to support myself let alone pay $ 1000+ a month.

After many many attempts of calling them trying to resolve something, I got nowhere with them. They would hang up on me, threaten me to sue me and garnish my wages. I got sarcastic back once and told them I work for my father and that he will pay me under the table. They did n't like that very much. The manager the one time screamed at me telling me I should 've never taken out the money if I could n't afford to pay it back. I told them I had a choice between going to college or flipping burgers, I chose the college way. Down right nasty. The ONLY OPTION THEY GAVE ME was defer my loan for 3 months for {$150.00} and after 3 months, they 'd ask for the full amount. That was my only option available. At the time, I had {$2.00} in my bank account due to a job loss and had no way to eat. There was no way I was going to pay them a cent towards anything. 

After getting nowhere with them, I stopped talking to them. I stopped answering any of their calls. I changed my number and address many times. They sent me many letters and all were ignored. My credit went to the sewers since. I can not even get a car in my own name, can not get an apartment or even a simple appliance from XXXX when my fridge died. Things have been very rough the past decade with money let alone having XXXX credit score.

I suffered for many years with credit issues because of them. I taught myself how to pay with everything with cash. If I do n't have the money, I do n't buy it. They would not work with me. They gave me no choice but to ignore them. I was tired of being yelled at and harassed. If I hit the lottery tomorrow, they still would n't get a cent from me. Stay far away from Navient. They are terrible to work with.
This complaint is a continuation of a previous complaint against Cavalry Portfolio Services wherein I requested that they send me validation of an alleged debt. I do not have a contract with Cavalry Portfolio Services and to date they have not been able to prove otherwise. After my previous complaint was closed due to Cavalry stating they would mail me validation of the debt Cavalry Portfolio Services sent a letter to me dated XXXX XXXX, 2017 attaching a copy of billing statement. I requested that Cavalry send me a copy of an agreement bearing my signature wherein I made a promise to pay Cavalry Portfolio Services. To date I have not received this information. I do not have a contract with Cavalry Portfolio Services and I would like the negative listing removed from my credit report with all three credit reporting bureaus.
XXXX, XXXX, 2016 {$300.00} I currently have this credit card and I wanted to see if I can please get my late payment erased? I really went through some financial problems and I am currently making my payments now. I will pay the interest difference if needed, but I just don't want to have late payments on my credit report. 

thanks
- XX/XX/XXXX Purchased two XXXX prepaid card each with {$500.00} value in it at XXXX - Card arrived but they don't work. Can't make purchase any retail or online stores, like XXXX, XXXX, XXXX XXXX and so on. ( The original not-working prepaid card is attached ) - XX/XX/XXXXFirst replacements request. The replacements didn't arrive. 

- XX/XX/XXXX 2nd replacements request. The replacements didn't arrive. 

- XX/XX/XXXX Requested refund, and the agent said that it may take up to 30 business day and two checks of {$500.00} values supposed to be issued by XX/XX/XXXX at latest. The agent name is XXXX and she said she is the only female supervisor there. 

- The missing replacements of the original XXXX prepaid card arrived but already invalidated due to the request of refunds. 

- Never received any checks. 


The ticket number with this issue is TICKET # XXXX
Opened a loan with CapitalOne Auto in XX/XX/XXXX. Never received a statement from them for the loan. Called them in XX/XX/XXXX asking for statement. Paid balance over the phone and they waived late fees for XX/XX/XXXX and XX/XX/XXXX. Set up auto pay and pick paperless mail. late pay is showing up on credit report for both XX/XX/XXXX and XX/XX/XXXX. Reporting XX/XX/XXXX and XX/XX/XXXX. They are saying they have the correct address, but to date I have still never received a paper statement from them.
National Credit Systems is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. 

For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/1986
I am a housing counselor. I have helped a client obtain a HAMP modification on their Ocwen loan. It is not a GSA. Mortgage payment is great. But in reading over the permanent loan modification agreement, I noticed a discrepancy as referred to the Principal Balance Deferment. The homeowner owes around $ XXXX on the home, approximately $ XXXX will be the Principal Balance Deferment and remaining balance of over $ XXXX will have interest of 3.25 %. In the Balloon Disclosure, the principal balance deferment was over $ XXXX. When I asked for an explanation, I was told by a supervisor that the additional $ XXXX was interest that Ocwen would have gotten over 40 years on the principal balance of $ XXXX at 3.25 % which they will not collect because the modification has a maturity of 20 years. No where in the loan agreement was it ever mentioned how they came up with this figure. In fact they refer to the figure as " Deferred Principal Balance Due on Maturity '' and show the amount starting and finishing at over $ XXXX. In the loan agreement they also refer to the {$23000.00} as the " New Principal Balance '' which shall be deferred ( Deferred Principal Balance ). In asking why there is not explanation, I was told that they use " generic '' papers and do not have any place to explain what they are doing. In getting this explanation, I had already escalated the call to a supervisor. After the explanation, I submitted something by fax to the " Research Department '' since I wanted something in writing.
On XX/XX/XXXX upon viewing my credit file via XXXX  credit monitoring, I noticed a collection account by Resurgent Capital Services of a debt that I have no recollection of. Worth noting is that this is the only collection account reflecting on my credit file and has caused my credit score to significantly plummet.

I have never received any communication of this debt from Resurgent Capital Sevice. More importantly, they did not provide me with any notification what-so-ever of my right to dispute the debt.

Today, onXX/XX/XXXX, I contacted the above-mentioned collection agency and spoke to an agent, who I asked to verify their mailing address. Attached is a copy of the letter I mailed to them on XX/XX/XXXX asking for a verification of the debt.
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX ( {$950.00} ), XXXX ( {$600.00} ), XXXX ( {$0.00} ), XXXX XXXX - XXXX XXXX XXXX ( {$69.00} ), are fraudulent and have no merit or basis on my report.
I submitted an international transfer of funds in the amount of {$96000.00}  XXXX  received b y Wells Fargo  on  XXXX   XXXX ,    2017. The  market exchange rate that day was  XXXX , which would have resulted in a conversion to {$12000.00}. I expected somewhere near the amount of  XXXX  afte r the exchange.      Instead , Wells Fargo  performed the conversion with its own rate of  XXXX . The amount I received at the end was {$11000.00}, which is about about a {$450.00} loss due t o Wells Fargo 's pre ferential rate.      Wells Fargo  abuses a preferential exchange rate and applies predatory practices. It charged me an unexpected and hidden exchange fee of 4 %. Furthermore, the information available o n Wells Fargo 's   website abou t the exchange rate f or that day by the bank is misleading and is not the amount the bank charged me. (   XXXX   XXXX  ,  a Wells Fargo operated  forex service. ) Furthermore, information on w hat Wells Fargo i s charging is not available online -- I was told I should 've called the bank prior to making the transaction.     Other consumers should be aware and never us e Wells Fargo 's fo reign exchange service.
I received a letter from ERC for a settlement amount on a previous debt. I paid the settlement amount in full and by the requested due date. Then a few weeks later, I received another letter requesting additional amount. I am not sure why the amount of this debt continues to change.