WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Supervisor, I have asked for the servicer to provide information on the account. They ca n't seem to locate it. In the dispute is the amount owed {$78000.00} verses {$110000.00}. Because this was sold to them by XXXX XXXX XXXX XXXX. in the last two weeks. Also, we are asking for further information for Modification. A Qualified Written Request is needed to establish the exact amount owed as soon as possible because we DISPUTE the balance.
This is the second time I have had to make a formal complaint about this company on this site. ARSTRAT, a debt collector has on multiple occasions not applied my monthly payments to my balance. I have proof from credit card and bank statements that these payments were cleared through my accounts to ARSTRAT but ARSTRAT claims they can not see the payments on their end and that the balance they show is correct. I made a complaint with this website in XX/XX/XXXX and I was contacted by a supervisor from ARSTRAT and she straightened everything out and apologized for their mistake. She assured me it would not happen again but it has continued. I have made my agreed upon payments every month but my balance does not reflect my payments and no one at ARSTRAT will own up to their mistakes.
Following up on complaint No.  XXXX . Please reference all documents and summary regarding this claim. Unfortunately, we just received notice by email from you it has been closed due to receipt  from Clear Springs (  response attached ). This was just a paper shuffle. I would appreciate the opportunity to speak to a member of your staff to discuss the avoidan ce by Clear Springs  to settle this short sale.  XXXX   XXXX   XXXX  has offered {$8000.00} to payoff the 2nd ( HELOCK ) and close out this file.  Clear Springs  would rather have foreclosure filed by  XXXX  and wipe out their receipt of any payoff amount. Very conceited approach. Homeowner distressed by this process!     Please phone my on my cell at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I was struggling and requested a forbearance and they gave me one but then reinstated it I asked them to extend it a few more months and they said they would but never did. So now I have missed payments that are affecting my credit=. I asked them to remove it and they will not.
I have set up payments for an auto loan with Nfcu, in the amount of {$500.00} each month. I cancelled the reoccurring payment in order to make an earlier payment, this was on XX/XX/XXXX. Since XX/XX/XXXX Nfcu continues to debit my account for {$500.00} any chance they get and no one can explain why its happening. It is causing me to become over drawn, checks bouncing, over draft fees and my finances are in a scramble right now. Every time I see the debit for {$500.00} I call and they some way or another reverse it but they literally just shift money around through all my accounts to make it work. This is very frustrating, and it is debilitating having to deal with this.
Consumer has made a previous complaint to CFPB about Diversified Consultants in which they responded with lies. Consumer e-mailed Diversified Consultants to inquire as to its reason for placing a statute of limitations-barred, bogus wireless bill on both my XXXX and XXXX credit reports. The rep responded that the account could not be located and requested I send my name and address to verify the account. Of course, I refused. The rep first asked for the last XXXX digits of my SS # -that I provided. DCI was quick to place this bogus item on my credit reports but can not find the account in their records and quick to respond with lies to the first CFPB complaint.
In XXXX of 2016, I was given incorrect information from my bank ( XXXX ) in regards to whether a mortgage payment to Seterus would clear. XXXX told me that the payment would clear. The payment ended up not clearing. XXXX has acknowledged that this was their error in writing. After reaching out to Seterus numerous times, I was not able to get a clear answer in regards to why the payment did not go through i.e a supervisor told me that it was not due to insufficient funds it was due to a typographical error. I received misinformation from Seterus every time I called constantly for a month. Due to this the XXXX payment was applied on XXXX XXXX, 2016. 1 day late from the 30 day reporting guideline. They record all of their phone calls. I have requested several times that they produce the recorded conversations that I had with their reps. I am confident if anybody heard these conversations it would be clear that the late payment was due to their inability to give me accurate information in regards to my account status. To make matters worse, I am currently in the middle of a refinance on my home and this 30 day late has raised my interest rate almost .50 percent. This will cost me XXXX of dollars over the life of my 30 year mortgage. I have tried contacting Seterus several times in regards to this matter. Their reply has been " We apologize for giving you incorrect information '' however it is our policy to report accurate information to the credit bureaus '' and we deem the information we reported to be accurate. '' If anyone listened to the incompetent people working for Seterus on their customer service lines it would be clear that they are unsuitable and unfit to be a mortgage servicer for XXXX and XXXX XXXX mortgages. This company should be thoroughly investigated on there customer service practices. It just cost me XXXX of dollars due to the inability of Seterus to service my loan fairly and accurately.
On XX/XX/2018 I entered into an agreement with XXXX XXXXXXXX ( representing NAVIENT ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, Navient only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called Navient directly and they keep saying it will take more and more time. I called XXXX XXXX Navient 's collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.
On XXXX/XXXX/2016 JP Morgan Chase Bank sent me a correspondence announcing " Important information : We have decided to close your accounts, Dear XXXX XXXX, after a recent review of your accounts, we have decided to end our relationship with you. We will close the following XXXX digit accounts XXXX on XX/XX/2016 and decline any transaction. '' I immediately canceled all automated deposits & withdrawals and paid cash on XXXX outstanding check and opened accounts at another bank to assure I complied to JP Morgan Chase Banks demands. By XX/XX/2016, I received another JP Morgan Chase Banks statement showing all their accounts XXXX digits ' accounts XXXX were at a balance of XXXX showing the JP Morgan Chase Bank owed me a balance on my savings of XXXX. However, on XXXX XXXX, 2016, I received another JP Morgan Chase Bank demand for my closed XXXX account, " Dear XXXX XXXX. your account is currently overdrawn by {$130.00} to keep your account open, please make a deposit to your account at one of branches or ATMs to cover the overdrawn amount. It it is more convenient for you, we also accept checks by phone and deposits made through XXXX XXXX. This letter is sent in attempt to collect a debt, and any information obtained will be used for that purpose. '' I realize that JP Morgan Chase Bank can turn this over to " XXXX '' to black list me as a consumer. These letters demands " harassment '' from JP Morgan Chase Bank. JP Morgan Chase Bank exercises their authority in such a manner as to be unnecessarily oppressive. JP Morgan Chase Bank shows with purposeful actions and conduct motivated that are malicious discriminatory purposely aimed at a XXXX person and a military veteran and other like consumers! We talk of credit worthiness. JP Morgan Chase Bank corporation that was given slap on the wrist with a XXXX dollars fine by U.S. Federal Security Exchange Commission. This is a perfect example of whom provides the wealth for such parasitic JP Morgan Chase Bank corporation behavior, hard working Americans, significant inventors of science and technology like the great XXXX XXXX. The true nature of JP Morgan 's Chase Bank parasitic behavior has been with us for over a century. One of the greatest scientist inventors XXXX XXXX now over a century ago was defunded by JP Morgan. XXXX discovered a means of electrical transmission without copper insulated cable. The original JP Morgan, whom had greed without behavioral boundaries madly defunded XXXX scientific research since he no means of collecting " money ''. Show American workers and inventors whom make the money. Give maliciously abused American 's justice in relief from JP Morgan Chase Banks parasitic behavior. Levy fines of XXXX to JP Morgan Chase Bank still a small fraction restitution.
I opened a CD with Apple Bank two years ago. 
The CD was set to mature on XXXX/XXXX/15. I did not receive any notice in the mail as would be expected. I went to the bank today to close out the CD and they told me it was too late, it was locked in again. They said it locked in after 5 days and did not care that no notice was issued prior. 
They wanted to force me to renew for another year and charged a high penalty.
My mortgage loan was with XXXX but they sold it in XX/XX/2013, was told they sold it to XXXX then XXXX and now SPS. Nobody can prove or show me paper work that they own my mortage. I pay SPS every month but when I call to get any documents they never send them to me. I have requested the Doc 's numerous times, even tried online but it says I have to call. Nobody can prove they hold my note.
XX/XX/2017. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, sent an old debt of my to XXXX XXXX XXXX XXXX XXXX Attorneys at Law, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX. The debt that is currently being garnished from my paycheck, is a 10 year old debt. I just received another notice in the mail for another XXXX XXXX XXXX bill stating that I also need to make payments. The business is outsourced in XXXX they customer service representatives keep harassing for payments on multiple accounts. When I ask for all of the accounts for bills I owe the person states that it is under other indvidials ; although they share the same office. My old information is being passed around to multiple people and they have my old address in their system. The representatives at times are rude and pressure me to make payments on the spot. I think this is illegal and I refuse to pay on old debt from 16 years ago ; its against the law in New York State.
Equifax 's data breach and their options for credit security is not sufficient. They lost all my credit information, and only give us 1 year of identify theft monitoring. After 1 year, we will shoulder the cost of their mistake. Additionally, in order to freeze my credit account, it will cost more money in their own firm when it is their fault they caused this data leak. This is truly unfair.
I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  - XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.
XXXX XXXX XXXX sent Trans Union a letter to remove a hard credit inquiry from " XXXX 2015 '' the inquiry is still present and needs to be removed as soon as possible please ...
My wife died on XXXX and soon after Bank of America ( BOA ) froze her checking account and forwarded forms to be completed and submitted after probate. Connecticut has XXXX forms of probate filing : standard and small estate which is for estates have no more than {$40000.00} of solely owned assets. As the named executor of her will I filed under the latter. It should be noted that the small estate filing does not require that assets be transferred to an estate account pending disposition. 

Upon receiving the appropriate probate form I took it and the other required forms and documentation to the nearest BOA branch for assistance with their completion and submittal on XXXX. Bank representatives assisted in filing in the forms and said that they would electronically submit them. I requested a check payable to me and was informed that it would take three to four weeks for the processing and that I would receive a check within that time frame. 

Because I had no status reports from BOA I called the phone number on their document on XXXX and was told that they had no record of receiving any filing. I was instructed to return to the branch and have a branch representative contact them so that this could be resolved over the phone. 

I returned to the branch and after much phone conversation between the branch and a central location they agreed to issue a check for deposit to an estate account. The branch representative stated many times that there was no estate account and that it was not required. Basically the central location was saying no estate account no check, completely ignoring Connecticut law. The State of Connecticut Petitioner 's Probate Certificate XXXX Rev. XXXX sates : " The undersigned hereby certifies that the petitioner in the above-named estate has been authorized by the court of probate in accordance with the provisions of C.G.S. XXXX to sell or transfer the following : Bank of America Checking Account '' Because by now I was totally disgusted and wanted nothing more than to get out of there I agreed to accept a check that they would overnight. 

Upon receiving the check which I could not deposit, I contacted my lawyer who stated BOA routinely ignores Connecticut provisions. I have asked others if they had similar experiences with BOA. All were uniform in stating that in any dealing with BOA, they dictate the result. 

I request that BOA be directed to accommodate state laws that may have may require their acquiescence.
The broker and his supervisor are telling me they make the appraisal they send me a fake approval of the loan for {$97000.00} to pay off my loan with XXXX but the loan never was paid to XXXX. Quicken loan and XXXX intention is to keep the {$500.00}.
I have been with Capital One for several years now. I pay my credit card every week from my own external banking to Capital One. I log into my online credit card everyday just to check to make sure everything is okay. With their old online platform, although I did have lots of problems with logging into their online credit card account, the old online platform did show me the payments that were made from my external bank account. 

However, with their most recent new online platform, it does not show my payments from my external bank account. I called their Customer Service and complained, but their employee said they do not handle this issue in their department. I then emailed my complaint to XXXX but they ignored my emails.
XXXX XXXX, now going by Navient is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts ( 20+ ) between XXXX XXXX and Navient that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XX/XX/XXXX to XX/XX/XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XX/XX/XXXX are removed as we are coming into a new year. I need this done ASAP, as Navient/ XXXX XXXX is partaking in illegal reporting practices.
I purchased a Tractor in     XXXX   2016     and have been making monthly payments of {$1300.00} every since. I had an ez-pass that I did not know was n't working. As a result I incurred a lot of toll fees that were sent directly to my lender, Cresco. The lender, Cresco then sent those fees to me with an extra {$30.00} attached. Cresco said the {$30.00} fee was their fee for paying my tolls.   On top of all that, just this month, I received more tolls ( {$900.00} plus ) which I paid directly thru ez-pass. Now  Cresco  is asking me to pay again. They said I have to pay them because they have to dispute my payments with ez-pass I explained to  Cresco  that these bills have already been paid and they are still asking for more money and will take this money directly out of my account. They could also repo my tractor if I do not pay, so I have paid everything and am looking to be refunded.
I have sent NUMEROUS complaints about the same company : J.C. Christiansen associates over the past few years. 
They constantly call my number they do not display who is calling on the caller ID. It shows " Not in Use ''. 
They repeatedly called me every day m-saturday starting at XXXX till after XXXX. several times a day up to 5 times. 
I have told them not to call me several times and asked for everything to be sent in writing. I have spoken to several people XXXX, XXXX XXXX and a few I forgot. No one seems to take heed to my requests. I have also complained to my Atty generals office in the past and they stopped for a while. Please shut yhis place down.
My wife and I had a credit card. The credit card company would not treat me as an account holder even after my wife called in to complain. I had my name taken off of the account. Experian is still reporting the account open. I disputed the claim. They researched it and only changed my status to authorized user and kept the account open. Even though the credit card account is still open, I am not part of the account any more and it should report as closed on my credit report.
I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
College I was attending was n't reporting all the semester hours I was taking to the student loans department. When I raised questions and went to the dean of student services I was lied to and was told different stories. I saved emails claiming I revised a incomplete for a course from last semester and was finishing up that class this semester and it did n't count. I gathered up contradictory emails from the dean of student services and my professor of the class to take to the dean of the college. I scheduled a meeting with the dean. When I went into the building with my evidence that I was retaking the course I was seated in a meeting room. After a few minutes campus police showed up aND trespassed me from campus for 1 year. I was never allowed to finish my degree and hence have XXXX plus dollars in student loan debt. I have proof I was being forced to retake a class from beginning to end. My grades were being changed on assignment sometimes going up sometimes going down. I also have evidence that the reason I had to retake the class was because the professor was n't grading my assignments correctly the first time I took the class.
On Sunday, XX/XX/XXXX, I made a purchase for a meal at a XXXX XXXX Restaurant located at XXXX XXXX XXXX, XXXX, CA XXXX ( Store # XXXX ). I was told by the restaurant attendant to wait 30 minutes for the order that I placed at the drive thru window of the restaurant. The order was untimely and I was not properly treated by the attendant of the restaurant. I canceled my order and did not purchase from the restaurant. 
On Tuesday, XX/XX/XXXX, a charge in the amount of {$7.00} was posted on my credit card account for the same order. I initiated a charge dispute with Capital One as I was unable to obtain a refund from the merchant. On XX/XX/XXXX, I received an email confirmation stating that an investigation was initiated. ( See Attached Email dated XX/XX/XXXX ) Capital One requested further information about the dispute and this was provided to them. 
On XX/XX/XXXX, I received a letter from Capital One stating that the investigation initiated by Capital One was completed for the transaction and that based on a previous review of the transaction the investigation was decided appropriately. ( See Attached Letter from Capital One Dated XX/XX/XXXX ) As of the present date, no refund has issued by Capital One or merchant for the charge that was made to the credit card for the food item that was not purchased. Capital One was unable to resolve the transaction dispute favorably on the basis of the facts provided to them where a refund was warranted.
I while trying to log on to my Pre-Paid Visa account with Ace Elite/Net Spend, with my card ending in XXXX, I forgot the password and as usual went to the lost password link, I then entered the information and was sent via my e-mail a temporary password, but when I would go back and enter it in, I would receive a " account locked '' message and for me to call the toll free number, I do and then am told it is unlocked, I even received an e-mail that my account is unlocked, but then when I attempt to do the same function, the same message shows, this went on many times over the course of 2+ days. I sent Ace Elite a e-mail about the troubles and it was signed by a " XXXX '' that passwords and user names are case sensitive and that for me to try it again, this time I tired to guess the password and the same message appeared that my account is locked. I receive my Social Security benefits : SSI and XXXX with this card and did get fed up and I went into the Social Security Office to change my direct deposit canceling Ace Elite/Net Spend and picking up the official debit card for Social Security ; XXXX XXXX but I still need to get into account to print statements, can you help me as I feel this is no longer a professional and business experience with this company and I need outside intervention. 
My Social Security Number is : XXXX My Date of Birth is : XX/XX/XXXX My E-mail Address under the card is : XXXXXXXXXXXX Account Number : UNKNOWN Dear Cardholder, Thank you for contacting NetSpend Customer Care! 

I am sorry to hear that you are having problem accessing your online account. 

Please note that your username and password are case sensitive. If you have forgotten your username or password, please click the " Forgot Password '' link located below the password box. You will be asked to answer a few security questions and then, you may create a new username or password. Once you do that, you will be able to login to your account. 

Furthermore, I am unable to locate your account with the information provided. If the troubleshooting steps above do not work, I suggest that you call our Customer Care line so they may assist you further with this matter as I am unable to do so via this email conversation. I apologize for any inconvenience this has caused you. 

Thank you for choosing NetSpend. Have a great day! 

XXXX Customer Care Specialist