WillisBack/dataset-financial-user-claim huggingface dataset:
We have an auto loan and mortgage with Chase Bank. We got a home equity loan through our bank, XXXX XXXX. XXXX XXXX sent the auto loan payoff check for {$13000.00} which was received by Chase on XXXX/XXXX/2016. The check was made out to Chase Auto and included the auto loan account number. We waited about a month and when our loan was n't paid, we contacted XXXX to find out where our payment was. That 's when we discovered the check was posted to our mortgage loan, {$2400.00} to our monthly payment and {$11000.00} to the principle. The check processor hand wrote the mortgage account number on the check. We then called on Thur XXXX to have the payment transferred from mortgage to auto loan. During the call, we got disconnected. After calling back on Fri XXXX, they told us it would be transferred within 2 business days. We waited 4 business days and called back on Thur XXXX when it had n't transferred. They then told us they would correct the issue while we were on the phone. Today we called on Sat XXXX and they told us it would take until XXXX XXXX to have the payment applied to the auto loan but has already been removed from the mortgage account as a misapplied payment. Of course, this also means we have to continue making monthly payments until they resolve this issue and get the money transferred.
I have disputed this with the Credit Reporting Agencies and with the credit card company. The credit card company has admitted that this was a fraudulent attempt to open a line of credit in my name and that they would have the inquiry removed from my credit. It has been 41 days since I was told it would be removed. I was told it might take up to 30 days to be removed. Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately!
I fill out an loan discharge form about not having my XXXX in 2003, they denied but it was for the wrong loan and I put the name of school and year on there. I do n't understand how they mess that up
Quicken Loans seriously XXXX my escrow account. My mortgage payment was lowered from {$630.00} to {$610.00} XX/XX/XXXX and was given a check for {$1300.00} in overage from my account. i received the new analysis today and i am $ -XXXX short in my escrow and they want to raise my payment to {$840.00} to cover their mistake.
I have filed XXXX disputes with Experian in regard to the XXXX/XXXX auto loan on my credit report. Late payments are being reported in error. Each time I have disputed this issue, my report is then updated with MORE incorrect, conflicting information. This has happened several times. I have provided evidence to Experian indicating previous violations of the XXXX of the FCRA by XXXX/XXXX, and these violations occurred during the period that XXXX reported negative information on my loan. Please review the CFPB findings and fine issued against XXXX ( File No. XX/XX/XXXX-CFPB-0017 ). I want Experian to delete this tradeline from my credit history immediately, as they are in violation of the FRCA by continuing to report this negative information.
I have NO CONTRACT with this collections agency. Not only have they failed to show me proof otherwise with any documentation bearing my signature, showing the account is being reported accurately. They claimed to have send me out several letters but I have not received any letter at all bearing my signature that I have signed or any copies HIPAA authorization. I am guessing that they are unaware that an itemized document or a printout of a bill does not constitute verification. I feel as though several violations have occurred : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
To Whom It May Concern : Shellpoint Mortgage Servicing recently became the new loan servicing company on my loan. The new owner of the loan is XXXX. Since taking my loan the servicer has had incorrect payments every month, for the past 4 months. When I contact customer service at Shellpoint the agents can not explain to me why my payments are wrong, although they acknowledge they are wrong. Additionally, Shellpoint Mortgage debited an amount {$500.00} GREATER than I agreed to over the phone when setting up the initial mortgage draft payment after the loan was sold. They worked to remedy this situation, but their competence and professionalism has been in question ever since. My payments are still not accurate, and they can not explain how they are coming up with the payments. My statements provide little information, and they are not responding in kind to my requests for more information. 

I 'm unsure how to proceed since I have no choice on who my loan gets sold to, and who services my loan. Shellpoint Mortgage is an abomination in the world of loan servicers, and I 'm not confident that they are even able to collect and properly apply my payments to the loan. 

I 'm hoping that you can help.
A Man XXXX called, XXXX XXXX XXXX XXXX XXXX ... we talked for several weeks about a loan transfer with no interest for the entirety of the balance, pay {$700.00} up front and then transfer for a interest free note. I got the paperwork and it is set for a 22.5 % rate!!! 
I did not agree to this. I have called Barclays many times trying to straughten this out. No relief. They have closed this acct. and are pusuing payment. I refused to pay until they gave me what I agreed upon. They say they do not know who offered this to me, I have been misinformed!
XXXX charged me a termination fee in error. XXXX turned this over to a collection agency for collection. XXXX has reversed the charges but the collection agency keeps trying to collect it. I have contacted XXXX numerous times. They said as soon as I dispute the charges then they will send a letter to the collection agency. Please help!!
The unvalidated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? 

They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it ), as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f.

This is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to  remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Thank You, By : XXXX XXXX XXXX XXXX
XX/XX/2018. 
{$970.00} I went to western union on XX/XX/2018, to send money to my sister they told her they were returning the money back, {$970.00}. When I called them I felt harrased from so many personal questions from them and they just told me without any explanation that I was banned from sending or receiving money from Western Union. I need an explanation because I've been a Customer for year 's.
This collection agency failed to communicate with me clearly via their website and through their customer service department during a time in which I set up automatic payments of my debt. This lack of communication resulted in payments not being withdrawn and the company reporting this to my credit without cause. They provided me with NO documentation so I have nothing to back up claims. It then took 3 weeks to get someone to call me back so that I could pay off my debt.
On XXXX XXXX, 2016 I discovered that I was a victim of Identity Theft and filed an Identity Theft Affidavit with the FTC.gov. I gathered my credit reports, ID documents, Police Report, Affidavit and sent them along with a letter indicating that I was the victim of Identity theft to Equifax , XXXX and XXXX. I have NOT receive a response from Equifax or XXXX and the fraudulent accounts and information remain on my credit report. XXXX has removed ALL of the fraudulent information from my report. Equifax has been known in the pas to deny the blocking of Identity Theft information from consumers reports in the past and has had to pay an Oregon woman XXXX dollars in a law suit that Equifax lost for failing to comply with federal law and removing identity theft information from a consumers report. I will be filing a lawsuit against Equifax and XXXX for failing to comply with Federal Laws particularly the FCRA Sec. 605B.
XX/XX/XXXX i purchased a XXXX XXXX  from Santander Consumer USA. In XX/XX/XXXX it was stolen and totaled out insurance has paid off the balance but, their claiming i still owe {$10000.00}. its reporting to the credit bureaus monthly and making a huge impact on my credit. I need for this to be removed asap. I've called Santander several times but, no resolution has been made.
JCPenney has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I continue to try and resolve unauthorized inquires on my credit. I have reached out to transunion again as well as the credit companies. What are my next steps before I file a lawsuit against every party involved? for example XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX this information provided by transunion is incorrect. That number is for pest control. 
Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX this company can not verify any of my information to date!! 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX C/O XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Can Transunion provide proof of verification that they have from these companies, since the companies are refusing to provide it? I also filed a complaint with the FTC. My next steps would be me and my attorney
MY ORIGINAL BANK HAS SOLD MY LOAN TO SLS. I NEVER BEEN LATE ON MY PAYMENTS. LAST YEAR I CALLED THE COMPANY TO CHANGE MY PAYMET TO AUTOMATIC DRAFTING. I GAVE THEM ALL THE INFORMATION ON PHONE. BUT DUE THEIR COMPUTER GLITCH ON THEIR END, MY PAYMENT DID NOT GO THROUGH. I ASSUMED EVERYTHING IS FINE AND WITH MY BUSY SCHEDULE I DID NOT CHECK MY BANK STATEMENT. AFTER ONE MONTH THEY CALLED ME STATING THAT MY PAYMENT DID NOT GET POSTED. THEY CHARGED LATE PAYMENT. I CALLED SEVERAL PEOPLE AT THE CUSTOMER SERVICE WHO WERE RUDE. FINALLY I GOT HOLD OF ONE OF THE SUPERVISOR WHO WAS VERY PROFESSIONAL AND TOOK OFF MY LATE FEE. AFTER SEVERAL MONTHS WHEN I CHECKED THE CREDIT SCORE TO BUY A NEW HOME, TO MY SURPRISE THE LATE PAYMENT WAS REPORTED TO THE CREDIT BUREAU AND CONTACTED THEM VIA WRITTEN COMMUNICATION WITHOUT ANY HELP.PLEASE HELP TO RESOLVE THIS ISUUE.
Thanks for documents you sent me, I concluded after my investigation that you are part of the ongoing fraud that  XXXX   XXXX   XXXX  Has orchestrated with  XXXX   XXXX . You have shown on your transfer documents only the current balance, but my monthly statement with deferred balance. There is no deferred balance on my mortgage and that will violate federal law. and even the current balance is questionable. The court will sort out and take the suitable action. I will attach this complaint with some document which you have already have but to refresh you memory in case you misplaced. please study those documents and contact with   XXXX   XXXX    XXXX  about its authenticity. Please provide me my account manager. I will see court.
I received a notice dated XXXX XXXX, 2015 stating that the PayCard program issued by Elan Financial Services and provided through Beacon Credit Union was being terminated ; stating that I would not be able to add funds after XXXX XXXX, 2015 ; and requesting I use all money on my card before XXXX XXXX, 2015, the close date. The notice also stated that barring any communication from me, any funds remaining on my card at the close date would be escheated. At the time, I had ~ {$2700.00} on the card. I immediately went to my credit union to withdraw the remaining funds. I was told that I could not withdraw more than {$1000.00} at one time, and that there was a cash withdrawal fee. I took the {$1000.00}, made a few purchases, and later withdrew another {$1000.00}. 

With my account now being under {$1000.00}, I went XX/XX/XXXX to withdraw the remaining {$490.00}. However, the expiration date on my card was XX/XX/XXXX and I had not received a replacement card so I was denied access to my money. Because I did not want any remaining funds on the card to be escheated, the credit union called the number on the card in my presence and then gave the phone to me. The Elan representative first told me that she could have a new card sent to me, but that it would not arrive in time for me to use it. BIG HELP. I asked how I was supposed to get my money. She said any balance on the account would be sent to me by check in XX/XX/XXXX. I specifically restated and verified that statement, mentioned the possibility of escheat per the notice, and expressed my desire to avoid it. The representative told me I would get the check and that the funds would only be escheated if I did not negotiate the check. 

XX/XX/XXXX arrived, and no check. So I called the number on my card again, and the Elan representative told me that the balance had been processed and I would receive a check within two weeks. Six weeks later, and no check. I called again, and was told that the funds had been escheated and was given the email address XXXXXXXXXXXX ' to find out how to claim my money. Exactly what I did not want to happen had happened. I sent an email to the address I was given three times and it was returned undeliverable all three times. I called again and was told that the email address I had used was correct and that there was nothing more they could do for me. I have been checking indianaunclaimed.gov ever since, but my {$490.00} dollars is still not listed. 

Elan had communication from me and my address never changed. I was not unreachable. If they did escheat my money, they should not have done so. Their customer service reps gave incorrect information on three different occasions. I still do n't have my money, and I do n't know who has it.
Navient has fraudulently put student loans on my account. I have never had an account with Navient. They can not provide written proof of a signature with me and NAVIENT on the same contract. I have been d isputing them off my credit for years. Since they in bed with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND NAVIENT.     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where navient just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last we ek my credit score drop ped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.
Enhanced Recovery Company ( ERC ) is reporting I closed an account with them on my credit reports. The account in question is an old XXXX XXXX XXXX account from 2013. This account and all related debt was settled and paid with XXXX XXXX XXXX directly and was NOT paid to ERC. I have never heard from ERC nor have I spoken with them about this matter. They have not validated this account after my requests they do so and have no right to report that this account was paid to them since it was paid to XXXX XXXX XXXX. I wrote ERC regarding this matter and disputed this information in my credit files. ERC, responded without proof or written validation that the account was accurate. This can not be since, and I repeat, I have never had any interactions with this company. ERC 's refusal to validate their claims and their previous responses to my inquiries over this matter have put them in direct violation of the Fair Credit Reporting Act ( FCRA ), which is a position ERC has been in many times in the past. The internet is full of documentation that ERC systematically engages in this sort of behavior.
OCWEN now charges to collect mortgage payments A few months ago, OCWEN changed how they collect mortgage payments. Now, on their web site, you must sign up for their auto bill pay system, or you are forced to use a third party bill pay system - XXXX XXXX ( which charges {$7.00} ) in order to complete the process of paying your mortgage. 

I have never experienced a mortgage lien holder or a bank ever charge a customer for payment. Aside from inconvenience, I'd like to know if this is legal. This is not the contractual repayment plan we made, and me simply raising this with them - I have no voice and no power to affect change. I just get transferred around and put on hold for long periods of time with no one able to help me and no one empowered to be my voice within the company. 

Lastly, I would like someone from CFPB to weigh in on if this practice is considered legal. 

Attached sample XXXX and mortgage payment confirmation. 

Help!
THATS IT IM ABOUT TO LOOSE IT. I HAVE SENT THIS COMPANY A LETTER TOO STATING THAT THE INFORMATION THEY HAVE IS NOT RIGHT AND THEYS NEED TO STOP CALLING AND REPORTING THIS XXXX ON MY REPORT. I CANT HAVE THIS.
WE have a loan with Champion Mortgage, XXXX Michigan. 
We paid during year XXXX, a total of XXXX, between interest and FHA insurance fees. 
They sent us a XXXX for a total of XXXX. 
I made several phone calls, sent a few emails, they wrote us a letter promising an answer by XXXX. Never received anything from them. 
I need the correct information to filed our taxes, I do not believe they know what happened.
XXXX XXXX with XXXX XXXX pretended to be an attorney and threatened to have our daughter arrested over a debit to Wachovia Bank from 2009. The amount he tried to collect is also XXXX the amount she owed.
I placed a credit freeze on my Equifax account on XXXX XXXX, 2017 because of their recent data breach. I noticed the 10-digit PIN they gave me is NON-RANDOM and is a timestamp of the form MMDDYYHHMM and verified this both because we froze several credit accounts in our household and saw the pattern AND this is widely reported in Blogs on the internet. Given the large number of recent freezes, any half-capable hacker can have a computer algorithm " guess '' the PIN in a second or less, unfreeze my credit and open a fraudulent account.
When I called Equifax to ask them about this : I talked to both a front line rep and a manager. Both at first insisted the PINS were " random. '' I explained to them about the date and time stamp and they still insisted they were random. Next I asked if I could change the PIN to one of my choosing. No that is not possible. Lastly, they both said, if I did a temporary lift, and replace, a new PIN would be generated. I asked if it would simply be a later timestamp or truly random and they did not know, but I suspect it would simply be a later timestamp so I did not do it. The manager offered to waive the fee, but I got the impression if I did a temporary lift-replace online I would have to pay for it and I would still get a timestamp PIN. I explained to the manager that these PINS are in no way random and are a big security risk, and that she should really really report it up the line, but she clearly is overwhelmed so I have no hope that anything will be done at Equifax about it. Clearly even the manager is completely uneducated about how the PINs are generated.
I keep having a employer XXXX XXXX appearing on my credit report after disputing its removed then placed back. I want it removed its inaccurate
I received by mail a letter from Midland Credit Management Inc. that a judgement was entered against me on XXXX/XXXX/2016 for the amount of {$1700.00}. The letter reads that a judgment remains unsatisfied, and that I must disclose my finances to them. I was never served a lawsuit. I have looked up my county records, and see now prior or current lawsuits.