WillisBack/dataset-financial-user-claim huggingface dataset:
I received a flood insurance settlement check. The check was issued and posted to my account 3 weeks later than it was said to be. The check was put towards my line of credit and I have checks bouncing and being charged for a return fee, when the money in fact is in there. The bank is refusing me access to my own account funds and is telling me they need receipts to distribute out funds. ( for my line of credit ). I 've never had to do this before. I 've been a good customer of theirs for over 14 years and have been through several floods with them. My credit is being ruined, I ca n't pay my bills, or work on my house because I have to provide receipts for the items I purchase. But, I have to have money to be able to purchase anything. And I would be glad to provide receipts. Prior to receiving the check they agreed putting it towards my line of credit was a good idea. After the check was deposited without discussing it or giving any reason, they lowered my line of credit, giving me no access to funds available. Reversed checks they first covered and then returned them and charged me for them.
I attended a college named XXXX XXXX XXXX in XXXX, but that school got closed. There 's no information and no transcripts. It 's like I never attended. However, they worked with XXXX XXXX, which later became Navient. The school took the money, but then disappeared. XXXX XXXX XXXX became XXXX. Apparently that school also closed. It is now XXXX College. It seems that the school keeps disappearing after taking money from a private loan. I 'm now told by Navient that I owe them thousands, but I feel the school should be the one paying Navient since they closed and disappeared. Yet I feel that Navient and that school worked together to take away from the people. They expect me to pay, which I do n't feel I should do because I feel that Navient and the school worked together to scam.
Wells Fargo home mortgage continues to use " mortgage backed security '' as an excuse to deny us any further help and acknowledge that the loan terms and structure of the loan modification that we were forced into signing on XXXX XXXX 2010 and if we did n't, they threaten us with foreclosure. They keep assigning different representatives that claim to research our concern and dispute, we always get the same response that theirs no evidence of any wrong doing by Wells Fargo Home Mortgage or its investors. So for the past five years we have been paying interest only to Wells Fargo Home Mortgage and current still have an Adjustable-Rate Mortgage ( ARM ). Wells Fargo has made it difficult and impossible for us to repay them and currently forcing us into foreclosure again. We have been targeted, abused with all these practices from Wells Fargo Home Mortgage. Wells Fargo Home Mortgage claimed to help us under the program Making Your Home Affordable but did the " BAIT AND SWITCH " on us with this XXXX loan with step Rate - Interest Only. We have been targeted since the beginning because we are XXXX and live in a city which is predominant XXXX.
Ally financial has reported incorrectly on my credit I have been paying them every month an the only I was late was in XXXX due to hurricane Florence hitting us hard here in NC an I got it situated in XXXX when I call they speak very rudely to me. They are also reporting different information to all 3 credit bureaus Ive disputed the information a few times and they have failed to correct the information.
Contacted both XXXX as well as capital one and have not had this issue resolved yet after numerous attempts. Inquiries on my credit report that were not authorized by me nor belong to me remain on my report. Inquiry dated XXXX/XXXX/XXXX CAP ONE.
IT started with XXXX XXXX i called them up XX/XX/XXXX for shipping boxes and called three straight weeks with my address did not get, i do owe XXXX XXXX and did my best to pay bill but got nothing back from them until i got a call from XXXX XXXX mange about bill.XX/XX/XXXX they said they had all my information but did not have my address. They put collection on my credit before they called or got any thing in the mail, i have lived at this address for three years, the address they had was rental for a family member which the cable was in my name.so i called them a day later to make a deal if they would write a letter to clear negative remarks on my credit and i would pay bill they said they won t do that. so they refused my money to pay off bill they wanted money first then send letter saying it was pay, they wanted my new existing address i will not give to them once again i will pay this. But the thing is they messed my good credit up and did not let me know until after they put in for collection. Did not give me a chance to pay off bill i worked for years to get my score up and they screwed  it up by not contacting me they had my cell but got no voice mail.
It appears Cardinal Financial Company is overcharging me on the escrow portion of my monthly payment. I have contacted the company several times, and they have not been able to provide a satisfactory explanation for the additional charges.
Sometime during the early to middle part of XX/XX/XXXX, I  spoke with XXXX, a manager at the XXXX XXXX XXXX, XXXX ( XXXX ) in XXXX Maryland. I was requesting to speak with the XXXX XXXX XXXX, the owner of the practice who treated me during most of XX/XX/XXXX. I was going to request XXXX XXXX if he could wave the remaining balance because my XXXX had left me unable to pay. XXXX wouldnt let me speak with XXXX XXXX telling me that XXXX XXXX will say no, but she said I could pay any amount when I can. I guess because of my insistence, XXXX suddenly cut off our phone conversation saying .Ok XXXX , Im sending you to collections. 

Then after, I managed to sort out my personal budget and on XX/XX/XXXX, I made a payment of {$35.00} towards my balance. However, I was surprised to receive a new statement with a balance of {$180.00}. When I called XXXX, I was told that a {$50.00} collection fee was added to my balance. On or about middle of XX/XX/XXXX, I did get a letter dated XX/XX/XXXX from NCS Plus Incorporated ( NCS ) but with an amount due of {$220.00}. I dont understand where this amount was based on. 

Aware that I already made a payment of {$35.00} which was accepted by XXXX, I thought nothing more of the letter. Shortly thereafter, I also received a few voice mail messages from NCS but for the same reason, I also thought there was no need for me to call back. On or about the first week of XX/XX/XXXX, I received a 2nd letter dated XX/XX/XXXX from NCS with an amount due of {$220.00}. I had just made a payment of {$10.00} on XX/XX/XXXX to XXXX, so again I didnt think any more of the letter. 
I made my 3rd payment of {$10.00} to XXXX on XX/XX/XXXX and I made sure to tell XXXX of NCSs 2 collection letters and phone messages. She assured me she will let NCS know that Im making payments toward the balance. Today, XX/XX/XXXX, I received a 3rd letter dated XX/XX/XXXX with the same amount due of {$220.00}. 

NCS is in direct violation of the Fair Debt Collection Practices Act XXXX because they are misrepresenting the amount of the debt it is attempting to collect. The amount due of {$220.00} was wrong from the start and it is absolutely wrong today! It is irresponsible for NCS to continue sending me collection letters without knowing the actual state of my account.
I am making this complaint to voice my distress and anger over the recent movement by large banks like Citibank and XXXX XXXX ( XXXX  ) XXXX deciding to discriminate against law abiding citizens based solely on their political position. 
I am specifically referring to these corporations decided to not provide banking services to companies that legally produce and/or sell firearms. This is completely counter to the idea of the " free market '' and it is nothing more than outright discrimination. 
I am certain that somewhere in the application process these companies provide potential employees with a statement along the lines of : We are and EQUAL OPPORTUNITY employer. We will not DISCRIMINATE against anyone based on race, gender, religion, or POLITICAL AFFILIATION. 
By making this decision these companies are circumventing the long standing democratic process of the United States. As private companies they are free to use their money and power to press for the political change they want to see, but only to a point. If they want to support anti 2nd amendment candidates for election that's fine. If they want to hire lobbyist to convince law makers to vote for anti gun legislation, that too is fine. But for a company to say they will not provide their services to a person or company because they're stance on a political issue is counter to their own is just wrong. 
Its just as wrong as a company refusing to provide services to a company or person because they are a minority, or they are of a certain religion. This decision will undoubtedly hurt these companies financially in the long run. As an example I can state unequivocally that I will not utilize financial services from any company that decides to follow this misguided, anti democratic, anti American policy. I realize that anyone reading this may be thinking " big deal, one guy '' but allow me to remind the reader that 30 % of Americans are gun owners and of the percentage that don't 36 % intend to purchase one in the future. That is one XXXX of a voting block and one XXXX of a chunk of the consumers in the United States. 
XXXX XXXX Veteran and 2nd Amendment supporter!!!
Subject : Regarding Loan Number XXXX Ocwen Loan Servicing, I just received a notice that my monthly payment will increase to {$2100.00} on XXXX XXXX that is a whopping 117.05 % increase in my monthly payment!!! 

this loan was not originated but Ocwen but IndyMac Bank which was shut down then the loan servicing was transferred to Ocwen. 
the dishonest loan officer at IndyMac Bank inflated and falsified my income to qualify for the loan. 

it was my understanding from the loan officer that the interest only payment is 10 years but my payment could only go up 7.5 % after that. 

I am XXXX yrs old and have lived in my home for 26 years. I was recently laid off my job and looking. 
My only income is SS and a small pension. 

I might need a loan modification to continue if I can not find work. 

How can you help me? 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Loan XXXX
Ford Motor Credit called my Aunt, my mother and my friends saying that they were going to have me  arrested because of a debt that I owed. I also made multiple payments, paid {$10000.00} cash for the vehicle and did not owe the amount that the company claimed. Even after making the payment, FORD motor credit sent a tow truck to my residence. When I called, XXXX ( name started with a XXXX ) laughed and told me that FORD wanted me to know that they were not playing with me. I have witnesses to that. 

Not only that but I filed multiple complaints to the Federal Government, Federal Trade Commission and got an attorney. The attorney talked to Ford Motor Company and they agreed to leave me alone in exchange for me not suing them for substantial abusive communication tactics in violation of my consumer rights. This contract was for a vehicle purchase. The Retail Installment Sales Contract was signed XX/XX/XXXX. Several years later, as a result of the natural disaster Hurricane Katrina in XX/XX/XXXX, my vehicle was flooded and totaled. XXXX, instead of paying me for the vehicle, paid Ford Motor Credit Company after Ford misrepresented themselves. Further, FORD Motor Credit stated to XXXX that they would account to the insured for any excess of any payment not owed to FORD. No such payment has been made, XXXX paid them {$13000.00} on XX/XX/XXXX. FORD had no right to the money they finessed out of my insurance company and they continue to harass me and my family. 

FORD has made my life very difficult, even resorting to harassing my mother, who had XXXX XXXX XXXX and even appeared at her home to threaten her and me about jail time for a vehicle, for goodness sake! 

I have not received any written communications about any debt and refused to do business with FORD as a result of their bullying and unscrupulous tactics. 

Now, I find out out that FORD has taken it further and 18 years later, they have brought a lawsuit for a XX/XX/XXXX contract. I have had it with Ford Motor Credit Company. I do not owe them and I want the money back that they were paid for the vehicle which did not belong to them. I want money for pain, suffering and harassment. I had agreed not to sue them for violation of my rights and for threatening my family but to this date, the harassment continues! I have been humiliated time and time again and I am tired of trying to defend myself. FORD is unscrupulously wrong! 

They have impersonated attorneys and pretended that I would have problems with the government and would never be able to work again because they would take every dime I had. They had agreed to leave me alone and reneged. How can this be? 

Why are they still harassing me almost two centuries later? This is NOT RIGHT! 

I do not have the Contract from XX/XX/XXXX but I want a copy of it. I also want a copy of all documents in the possession of FORD MOTOR CREDIT relating to this. They do not have a lien on the vehicle and signed a lien release many years ago. Whatever collection agency they turned this in to, I want a copy of every document dating back to XX/XX/XXXX.
XXXX XXXX XXXX Sales Associate ran credit report with other lenders after I explicitly advised staff that I all already had a pre-qualification later and was pre-approved for auto loan financing through XXXX XXXX XXXX. I told the associate explicitly that I did not wish to have any hard inquiries on my report and that I only was seeking financing with XXXX   XXXX and that I only authorized my credit to be examined through XXXX   XXXX. I already had credit monitoring and an active credit card account with XXXX XXXX. XXXX XXXX XXXX appears to have ran my credit with the folllowing lenders, which are XXXX XXXX, XXXX, Global Lending and XXXX  XXXX all on XX/XX/XXXX. All of these hard inquiries will remain on my credit report until XX/XX/XXXX. I did not authorize for any of these companies to run my credit profile. I only wanted to determine an approval for auto financing ONLY through XXXX XXXX XXXX.
Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. XXXX is reporting a account from a collection agency that I originally disputed with all three agencies, Experian and XXXX removed these accounts but XXXX is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, XXXX is still reporting.
I was in an ongoing dispute with XXXX over their criminal tactics. I was waiting for a final amount to resolve the outstanding amount I owe them. I never received verification that they agreed to the amount I was proposing, I had asked them, etc., and no communication. I was doing some other banking business the other day and was shown on my credit report that Allied Collection Services , Inc had " hit '' my credit report with the amount I owe XXXX. This certainly was a surprise, I did n't get a voicemail, e-mail or so much as a letter in the mail notifying me of their attempt to collect the debt, nor did I get an opportunity to dispute the debt. Since I found out they are illegally ruining my credit I have called and emailed them in an attempt to resolve the problem and nobody will contact me back. This is and should be criminal.
I have an XXXX Consolidation Loan being serviced by ACS Education. I filed a complaint back in XXXX and they reduced my outstanding balance by approximately {$1500.00} as they saw XXXX of the discrepancies I complained about. They also lowered my monthly level payment by {$75.00} dollars. HOWEVER, now they have INCREASED the amount of accrued interest from month to month, so that XXXX of my payment goes to principal, which was part of my original complaint! They sent an explanation in response to my previous complaint and then took other action to keep XXXX me. This is UNACCEPTABLE as it has been 14 years since I graduated from school and will end up paying $ XXXX for my education!!!!!!!!!! Please help! They have to allow me to pay off the balance so that SOME DAY it will be paid off. 
Please help.
XXXX   XXXX   XXXX  is attempting to collect debts for a closed  Capital One.  I wrote  XXXX   XXXX   XXXX   XX/XX/XXXX    requesting the date the original accounts with Capita l One b ecame delinquent, but I did not recieve a response. Based on what I 've seen on my crdeit reports it appears that  XXXX   XXXX   XXXX  is attempting to reage the debt which is illegal. According to my state of residency this debt is beyond the three years statue of limitations.   According to my  XXXX   XXXX ,  XXXX  account was reported delinquent by  Capital one o n  XXXX  ; the other  XXXX .
In XX/XX/XXXX, the federal government moved my loan from XXXX to XXXX XXXX. Prior to this I had no trouble getting accurate info from loan servicer when it was XXXX. I sent XXXX an updated document on qualifying employment for the Public Service Loan Forgiveness Program, because that is a best practice each year and I take this very seriously. They sent me an updated summary of qualifying payments with literally dozens of errors on XX/XX/XXXX. By their inexplicable and erroneous accounting, I suddenly will not have my loan forgiven until much much later than I have actually qualified for. This is completely incorrect! I had in fact made many more qualifying payments as of XX/XX/XXXX than they said, and have continued to make them since. I immediately contacted FedLoan by phone ( twice ), which they have recorded I assume, and by email in early XXXX to request that these errors be fixed. I was told there was a long backlog and it could take 6-8 months. It has now been 7 months and 2 weeks. I messaged them on XX/XX/XXXX and got a generic " you'll hear from us soon '' response. I called again today and XXXX customer service said my recalculation request has to be done manually because there was a glitch in how the information got moved to their system last year, and no one has started this recalculation. This impacts my financial future and my career choices. Having this so ineptly handled is outrageous. Please help me.
I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my  credit score, even  thouygh they claim to have no information about me.
I wrote XXXX on XXXX XXXX, XXXX as I discovered issues on what they were showing on my credit reports. I included copies of my drivers license, social security card, and a utility bill as proof of my residence. It is XXXX XXXX, XXXX and they have not responded. This is illegal for them to do as the law says they MUST answer in 30 days!
There are two accounts for loans reporting on my credit reports from UHEAA which are identity theft and do not belong to me. I am not a student and did not apply for these loans. One loan is for {$3000.00} and the other is for {$1700.00}. These are being reported to my credit report having a negative affect on my credit. I have contacted the company and when I gave them my social security number they said nothing comes up and they do not have an account for me.
I barrowed {$800.00} dollars, they said there would be a one time service fee of {$400.00}. They took out {$2400.00}, and none of that has gone to the loan amount. They recently changed their name from XXXX to BigPicture Loans. The information they sent me this month shows they are charging 758.833 % interest. I had my bank stop the automatic withdrawals. They expect me to pay {$6200.00}.
On XXXX XXXX, 2015 I log into Navy Federal Credit Union to setup some bill pay because I have my XXXX Salary go into this account there are some bill that nee to paid. Everytime I week there 's problem with my Navy Federal Credit Union Account either suspended my account for membership verification or withholding my pay because of fraud and not refund my money back into my account. Now today this what I see when I log into my account this message. 
Your service account has been suspended because we were unable to withdraw funds from your payment account. You will receive an email or letter in the U.S. mail about the returned payments. For info on reactivating your account, call XXXX. 

Please investagate the product and services and why they just suspended your account without notify you and ensure that are working according to United States Banking Federal RegulationsBecause your account is suspended, you are currently unable to use all of Navy Federal 's Bill Pay Service 's features. To cancel a pending payment or to print a list of your e-bills and payments, go to Bill History.
I called to inquire how to be able to add money to my account. The person on the phone was confusing and hard to understand so they said they would send me a packet of information. I had to verify my identity through an automated system. When I received the packet of information, it stated that my account had been placed on hold and the upgrade was pending. I had to send in information to verify my identity. I tried to call the company to find out what happened. They stated that some information didn't match through the system when I was verifying my identity. Turns out, it was my email address because I have two different ones and wasn't sure which one I use. They said the only way to unlock my account is to fax in my driver 's license and social security card. I sent the information on XX/XX/18. I called a few days later and was told they were unable to read my driver 's licence because the copy was too dark. They told me I needed to email my driver 's licence and social security card. I am only XXXX  and didn't really think anything of it. When I asked my mom to help me send the information she said we are not sending my social security card to them via email, it is not secure and now even with us faxing it I am worried about my identity and information being stolen. My mom called them and finally someone said they would accept a paystub and my driver 's licence instead. I emailed that on Friday XX/XX/18 and the lady said it would take about an hour. We called back the following Monday because I still don't have access to my money. I keep being told something different, someone told me 5-10 business days, someone said an hour, someone said 3-5 business days, and another person said 2-3 business days. Called back today, Wednesday XX/XX/18 and was told it should have been unlocked but unfortunately it hasn't been for some reason, but the " back office '' that handles that is closed now so I will have to call back tomorrow morning. I am in school and this has been very frustrating because I can not call while I am in school. They will not talk to my mother, even though I am a minor, unless I am on the phone every time and give permission for them to talk to her. I feel taken advantage of because I am young and this is my first time dealing with a financial institution and very frustrated that even though I am a minor they won't allow my own parent to help me resolve this issue.