WillisBack/dataset-financial-user-claim huggingface dataset:
I was behind in my mortgage payments, so I borrowed {$6700.00} from my daughter and she deposited it in my Bank of America account. I made my mortgage payments, but unbeknownst to me, Bank of America had taken out {$1700.00} from my account, causing my mortgage payments to be returned. The seizure of {$1700.00} by Bank of America was for a credit card account, which had been inactive for a period of 9 years. The last payment I had made was in XXXX. It was a company debt, and our company had filed Bankruptcy in XXXX. I was unable to pay anything, because I was diagnosed with a XXXX XXXX XXXX and have been unable to work. My only income is {$570.00} from Social Security. I called Bank of America, and told them they could n't do this, and the customer service person very nastily told me that it could be collected because they had just written this off. I believe the statute of limitations is 4 years, which is a long time ago. No communications have been received at all for at least 8 years. I do not believe they can legally do this and I would like my {$1700.00} back. The credit card was in the business name, and the funds were taken out of my personal account. Now I am again behind in my mortgage payments, and have no way of paying it.
I purchased a vaccum from target in XXXX ct.I payed cash for it. They lady took the money then asked if I would like a credit card. I filled out the paper work she said it would come in XXXX eight weeks XXXX ; the card came. I di not actvate it for another two weeks. I never used the card. They sent me a bill for XXXX dollars. I payed then I cancelled the card. they said as of now you no longer have this card. Now I get an emai saying I owe another XXXX dollars. I called saying how can I owe you when I no longer have this card. They said if you do not pay this bill we will turn you into the credit beaue. I am trying to get a mortgage for a home. the guy looked up my credit report and said Target says you owe them money. XXXX XXXX and something.. I told him I do not have that card any more. he said you better contact someone this is fraud ( has some one used that card. I calle them and got into a heated argument saying I payed cash and the lady put the money in the till. She said you were issued a temp card ( this is XXXX ) They can put anything into their computers. They get into people accounts taking out money without that person knowing it until it is to late which ruines their credit also. What can I do should I get a lawyer and sue? Target has done this time and time again nothing being done about it XXXX XXXX XXXX veteran.
On XX/XX/2018, the Commonwealth of Virginia on behalf of XXXX & XXXX XXXX, et al. brought forth a case against XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX. The case was concluded with XXXX XXXX XXXX, owner of property being forcefully removed from the court in handcuff ( s ), placed in a holding cell and then transported to XXXX XXXX Regional XXXX for the second time surrounding this property. XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX has not authorized a property address change and did not grant her property to any party other than herself. This matter is required to be reported to the United States Department of Justice and per EEOC discovery, I, XXXX XXXX XXXX am required to turn over these documents as well as any expenses occurred to the U.S. Department of Veteran Affairs attorney.

Additionally, I just received a check in the mail for the Wells Fargo Property Inspection Settlement and the amount is deficient. The check is for {$63.00}, however, the advance amount is {$2500.00}. I will be turning these matters over to the EEOC attorney for the USDVA as well as requesting the balance due on the property inspection fees diverted as well as any other fees such as your attorney ( s ) fees, foreclosure fees in which I did not indicate my mortgage payments could be directed to a foreclosure sale, and there is no evidence of a foreclosure because it did not occur because it was halted by a case filed against your attorney ( s ) XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, Legal owner of XXXX XXXX XXXX XXXX, VA XXXX. This remains a XXXX discrimination claim as XXXX XXXX XXXX, legal owner remains to be an XXXX XXXX and the XXXX, et al. are XXXX.
I have contacted them about these accounts in several occasions and they have not contacted me or updated these accounts. Theses accounts where settled in my divorce and I and no longer responsibile for these accounts.. the accounts are XXXX XXXX XXXX and XXXX XXXX XXXX , and XXXX XXXX
Per letter dated XXXX XXXX, 2016, Mortgage Clearing Corporation would begin servicing my loan 15 days from the date of the letter. I have called multiple times but have still not received a coupon book or monthly statement.
Transunion is reporting XXXX on my credit report enclosed this is not mine please remove it asap.
Homeowners were put into a predatory sub-prime loan in 2010 with CitiFinancial. The loan was for {$120000.00} although the house was only worth about {$45000.00} at the time of the loan origination. Homeowners are senior citizen, retired XXXX homeowners whose home is in a predominantly XXXX neighborhood with declining home values. The interest rate was 10.3092 % Homeowners have been unable to refinance out of this loan because of the lack of equity. Homeowners have been trying to obtain a loan modification with CitiFinancial, but CitiFinancial has refused to work with them.
On XXXX XXXX, 2015 I loaded XXXX Reloadit cards to my Reloadit safe. XXXX Reloadit cards had {$500.00} on them. After I successfully loaded the cards to my safe I had a safe balance of {$1000.00}. Then I loaded {$1000.00} to my XXXX prepaid debit card. The Reloadit safe indicated that the load was successful, but when I checked my XXXX account online, only {$500.00} dollars was added to my account. 

I called Reloadit XXXX times to correct this situation. XXXX times the customer service person told me someone would call me. Nobody form the company has called me, nor have they returned my {$500.00}. 

My Reloadit Safe account : XXXXXXXXXXXXMy Reloadit pack number that disappeared : XXXXMy Reloadit pck number that loaded successfully : XXXXReloadit case number for this problem : XXXXMy XXXX card number : XXXX
I withdrew {$500.00} from XXXX Bank 's ATM ( XXXX XXXX XXXX XXXX, MN XXXX ) When I tried to take my money it seemed to be stuck and I only received {$240.00}. I immediately went inside the bank and told them what happened and they told that I had to contact the debit card company. I called American Express Serve customer assistance and they filed a disputed transaction on my behalf. I was told that it would take 10 business days to process the dispute and I would receive an email to submit my statement, I did that right away. After 10 days I heard nothing and they would email the dispute team for a staus update. After 5 days I called again and they said the dispute team was working on it. I was told I would receive an email with an update. After countless calls speaking with supervisors and upper level managers each stating that I had their guarantee that In would hear from the within 2 business days. I also was told originally that if it was n't resolved after 10 days I would receive a temporary credit for the {$260.00} which is the dispute amount, That never happened. I contacted the Minnesota State XXXX Consumer Complaint Department and they said they would look into it. After a period of about 3 days the I received the temporary credit of {$260.00} untol the matter was resolved. I originally filed the dispute on XXXX/XXXX/2016 I did n't receive the temporary credit until XXXX/XXXX/2016. On XXXX XXXX I received an email that the ATM company took {$60.00} back from the documents they have. I was told I could request those documents. I requested them and again after numerous calls they finally sent them. I can email you those documents if you would like. The documents state that I requested {$500.00} which is not true I requested {$260.00}. They also said they reviewed the camera footage and saw I was having trouble obtaining the cash and a few bills the wind blew from my hands.I will wait your response, I realize it 's only {$60.00} but my only in come is social security XXXX. I have XXXX and I have some medical expenses that are n't covered and the {$60.00} is a lot to me.
I have disputed incorrect address on my credit report ; XXXX XXXX XXXX, XXXX, TN. I am requesting that Experian provide he source of who is reporting this information on my credit reports.
Im filing a complaint against the collection agency Hunt & Henriques. They somehow got a judgement against me without me ever being served. Although I told them from day 1 I was on XXXX, they continued to harass me until I paid them. They received a total of {$3000.00} from me some of which was garnished from my bank account. I repeatedly informed them I was on XXXX, but I didnt know until later that it was illegal for them to take my XXXX even with a judgment. I am sending what I have readily available to prove payment was received and Ill even send my benefit letter for proof of XXXX. I told them I was going to fight to get my money back from them and they claimed I gave it to them voluntarily. If judgments and garnishments are voluntary, I hate to see what the latter option looks like to them.
I sent a validation letter out to the company ( paramount recovery systems ) more then 45days ago. They have yet to send me back any and all validation documents.
We originated a mortgage with Citizens One Home Loans in XX/XX/XXXX. During the next year and a half, Citizens failed to pay our taxes from our escrow TWICE ( and the taxes were only due twice ). After each occurrence there were fees and penalties assessed that were eventually reimbursed to us by Citizens, this after lengthy and poor communications by the bank ( they were typically non-responsive ). After the second failure of Citizens to pay our taxes in a timely manner, we decided to take our business elsewhere and refinanced with another bank. Our county and school taxes were paid from escrow, and these bills were sent directly to Citizens, and only Citizens ( we do not receive a duplicate copy of the bill since Citizens is listed as the " bills to be sent to '' due to the escrow service ). At the conclusion of the mortgage with Citizens, the remaining balance of our escrow was paid to the county and school, however Citizens had received a tax bill that showed that over {$2300.00} was still due because the taxes had gone up. Only Citizens received the tax bill since they are listed as the payer. Instead of informing us that the tax bill had increased and there was a substantial shortfall, they simply paid what they had and closed the mortgage. After the XXXX separate incidents previously where our taxes went unpaid, we are unsure at this point if Citizens is acting out of either irresponsibility or malice. When we asked Citizens to look into this matter, they responded by mail that " your escrow account was scheduled to disburse an additional {$2300.00} in XX/XX/XXXX ; however, since your loan account was paid in full on XX/XX/XXXX, no disbursement was made. '' This is true, but, knowing there was a shortfall ( see their comment above ), and knowing that the tax bill went only to them, they neglected to say a word. This cost us an additional {$340.00} in fines and interest after our new bank investigated the escrow requirement. Citizen 's response was that they acted in accordance with applicable laws and would not reimburse this third incident of their unprofessional behavior. The letter from the " XXXX of the Chairman '' s representative, XXXX, provided his direct number and his office hours if we had additional questions. We had questions on the handling of the recognized shortfall, and left a message on XXXX ' voicemail, on which he said that " he will return our call within XXXX hours. Well, we called and left messages on XXXX separate days between XX/XX/XXXX and XX/XX/XXXX with no reply. There are no other contact numbers available for Citizens One Home Loans. The actions, or more specifically the inactions, of this bank have cost us substantial hours of research and repeated followup in all three of the incidents, and fines due to their remarkably unprofessional behavior. Ideally we would like your assistance in retrieving the additional {$340.00} Citizen 's malicious inaction cost us XXXX and I use that word deliberately based on their previous handling of our account ), but would like to at least go on record to point out the unprofessionalism demonstrated by Citizens One in the XXXX incidents. Thank you for your help!
I paid my student loan on time and regularly. It was with XXXX. Then it was changed to FedLoan. XXXX had taken on payment on the same day every month. FedLoan took XXXX payments about a week apart the first month. The second month it was XXXX spread out over about two weeks.. The XXXX payments were not proportionate to my loans in any way I could figure. When I asked why? The response was " Yes we did take it in XXXX '' debits. Each of them cost me {$35.00} nsf fee. While not an ideal choice, the XXXX way of debiting my account would have cost me only XXXX OD fee. 
I consolidated my loans, hoping they would be assigned to someone else. They were not. I asked that communications be in writing, they responded to " call them. '' When I wanted to catch back up, they demanded that I pay the full amount to bring them current. 
Maybe I would still be in default if they had not treated me this way, I just know that FedLoan tried as hard as they could to make sure I could n't pay them.
I was reported by XXXX department stor being late in XXXX and XX/XX/XXXX with my payment. I did make full payment with interest and late fee in XXXX and XXXX. With this late payment that XXXX reported to all XXXX credit reporting agencies my husband and I were not able to get the top tier interest rate of 4 % for 30 years instead got a 4.25 % for home refinance due to reported late payment that was payed in full. Contacted XXXX department store to get the late payment removed from the XXXX credit reporting agencies but XXXX was unwilling to remove the XXXX late payments even though the fee, interest and balnce as payed the subsequant month.
Mercedes Benz Financial has incorrectly reported the details of an old account with them. They have done this after being advised of this multiple times and being queried by all XXXX credit bureaus at least 10 times since XXXX. 
This account is an old account : it first went past due in XXXX or XXXX of XXXX. The account was never brought current and the vehicle was repossessed in XXXX XXXX XXXX. 

Mercedes reports this as follows to XXXX as verified by all XXXX bureaus. 
XXXX XXXX 30 days XXXX XXXX 120 days XXXX XXXX 90 days XXXX Repossession XXXX 30 days These numbers are clearly wrong and repeated efforts to correct result in MBF continueing to report incorrectly They also report it as a Charge Off but show a balance past due of XXXX which is not permitted MBF has structured their reporting, I believe deliberately, to ensure that this account is not deleted from reporting by all XXXX credit bureaus in the correct time frame and kept on my record
There is a hard inquiry on my report from capital one that was done fraudulently and I want it removed. Also in collections all of them have been cancelled and already taken care of because of NO CONTRACT prior to the start of the new year.
I Received my credit report showing a inquiry from XXXX XXXX XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this Inquiry remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
I have been paying on my student loan for 7 years now. About a year ago I had spent 2 hours on the phone with a employee to get my payment down. He came up with a plan which I could afford. The next month I got an email saying that my payment was not paid. I was on auto payments. So I called and was told that the information that was given to me about how much I would be paying was incorrect and the gentleman I had talked to " did not know what he was doing '' I then talked with a supervisor that was so completly rude. He told me that he could not get my payments that low and I was crazy thinking that he could. He then told me that I better accept his offer or he was going to hang up on me and not help me at all. I was in tears as to how he was treating me. He was so incredibly rude and unprofessional. I was XXXX at the time and was about to be a full time XXXX. Which is what I am now. I do still continue to pay my loan at {$270.00} a month. I just needed to share this terrible experience and I wish I could remember his name to this day or wish I would have called and complained at the time, but unfortunately I was tired of spending so much time on the phone with this company. I hope that things will improve with Navient and they will have supervisiors that are more professional. Thank you for your time.
" Equifax computer systems were struck by a cyberattack that may have affected about 13 million U.S. customers from XX/XX/XXXX-XX/XX/XXXX. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' According to Equifax, my information may have been compromised.
PATHFINDER CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB : On XXXX XXXX, XXXX I mailed Pathfinder PCS Credit Services a letter requesting validation of the above referenced account. In fact, I mailed this letter certified mail to provide proof of delivery. On XXXX XXXX, XXXX, this parcel was, indeed, delivered to Pathfinders address as indicated by USPS tracking number ( XXXX ). In that letter I did not refuse to pay, I simply wanted to invoke my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which grants all Texas residents the right to a proper validation within a thirty ( 30 ) day time frame. If a collection agency cant provide a proper validation, then said account ( s ) must be deleted from all three credit reporting agencies. Moreover, Pathfinders attempt at a proper validation, has  fallen short of the XXXX full legal guidelines thus violating my consumer rights as a resident of the state of Texas. 

Secondly, because Pathfinder werent able to do such a thingto be exact, this very rouge third party collection agency failed to provide a proper debt validation within 30 days, the trade line was supposed to be deleted from all three major credit reporting agenciesXXXX XXXX and XXXX. As of today, they are still reporting this negative trade line on my credit reportsthis being the case even after they received a second correspondence from me on XXXX XXXX, XXXX, informing them that their attempt at a proper validation had fallen short of the legal 30 day time frame. Again, this letter was sent certified mail ( XXXX ) and was delivered in XXXX XXXX, FL XXXX their companys domicile. The reason for the second letteras posit by the XXXX XXXX XXXX XXXX to give them ample enough time to cure notice, which again they failed to do. 

As it stands today, this very rouge debt collection organization is in multiple violations of the XXXX XXXX XXXX XXXX ; mainly for failure to provide a proper validate within a 30 day time period. '' In final, Im in the process of taking legal action against this organization in XXXX XXXX, Texas for multiple violations of XXXX XXXX and Deceptive Trade Practices-Consumer Protection Act XXXX of the Business and XXXX XXXX. Please be aware, I will be filing a civil lawsuit against this company for multiple violations of the XXXX XXXX XXXX, ( including but in no way limited to this organizations failure to obtain a XXXX bond in the amount of {$10000.00} ) and its failure to procure a business license in the state of Texas, both for which are mandated under Texas State law. In addition, Im in the process of filing formal complaints with the BBB of XXXX XXXX, FL, the Federal Trade Commission, and the Texas State Attorney General.
I was dbl charged for a mortgage payment XX/XX/2016. As soon as I realized what had happened I called to get the issue resolved. The representative at that time said there was nothing that they could do until they had proof that the check had cleared. 
The check cleared, The automatic debir payment also cleared at that time and I have sent their reps proof by sending electronic screenshots and copies of the bank statements to that effect. 

Evidently this is not proof enough for them. 
They want extra effort on my part to contact the back and receive additional documentation that the bank said they would provide for a fee. 
In effect I will be paying an extra fee to my personal bank in order to get the money I am owed from my mortgage servicer that they took in error in the first place. 
have been trying to get my money returned and the LOANCARE officers are making it as difficult as possible for me to get my payment returned. 
to resolve the problem I expect my money to be returned to me in
I have tried to get an increase for a credit limit with Capital One Credit Card. I applied and was denied due as they claim that I had too many inquiries with XXXX. I had checked my credit reports with XXXX and XXXX since I know these are the two agencies that Capital One uses. Therefore, when I got this letter back stating this fact I immediately call XXXX to inquire about this information that I had just got back from Capital One stating that I had too many inquiries on my report. The XXXX CSR stated that they did not see any inquiries at the time on my report to state what Capital One had sent me. I then called Capital One back they gave me the runaround and even asked for a copy of that XXXX  report they refused to send me anything. But of course, this was upsetting because now as a consumer I did not know who was lying. Was it XXXX or Capital One that lying to me, but on XXXX, I could clearly see for myself there were no inquiries on my report which lead me to believe that it was Capital One who was given false information to me. Even one of the Capital One CSR ask me if my letter said XXXX, I told her no It says XXXX. True enough if they would have said due to late payments I would have been okay, but to say because there are too many inquiries is not going to get it with me. I have gone as far as seeking an attorney and they were still uncooperative them. 
I would greatly appreciate it if someone could look into this for me please and let me know as a consumer what I may need to do.
I was approved for a loan modification through M & T Bank last year. After making the XXXX XXXX trial payments, I have been sending the modified mortgage payment to M & T Bank as agreed. However, M & T Bank has reported my account as delinquent to credit bureaus showing I have not made any payment since XXXX 2014. At the moment, my credit report shows I have n't paid my mortgage for XXXX months. This is not true, since they have been cashing the money I send them every month. My credit score has dropped dramatically since M & T reported the wrong information.
My Mortgage was bought by Green Tree which Changed their name to Di Tech. Due to A XXXX issue with my daughter I was trying Get my interest rate reduced it is at 7.036 % I was sent a letter and told to not pay XXXX payments to Qualify for XXXX or XXXX program. All Documentation has been sent they keep Stalling. No answers and now they are threatening Forclosure. They are many complaints on /line of The same issues. I sent everything by fax and Certified mail. Still say they have not received All documents. I have proof they have it. Please Help me before I loose my home!