WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 I contacted Capital One Auto Finance via online message. I advised them I was ill and in the process of going on XXXX and that I wished to make arrangements to satisfy my contractual obligation to my auto loan. I advised them I could continue paying monthly once my XXXX payments begin and asked to defer a payment or for help with an arrangement. They responded and advised me to call in and request the deferral and arrangements as well as offer to fax my medical documentation. I did as they asked, and was told that even though I am past due 1 payment, I do not qualify for any hardship plans or assistance. I have made numerous calls to Capital One asking for help with an arrangement and am constantly being told I do not qualify because I am not past due enough. I have been encouraged by Capital One Auto finance to fall further past due as I may qualify once I get more than a payment past due. It is my opinion that Capital One Auto Finance is violating my rights under the FDCPA by misleading me with different information each time I call. Further, why would a lender encourage a customer to fall behind which will generate more late fees and financial stress? I got a letter post marked XXXX/XXXX/2015 accusing me of not honoring the contract to pay on time. The letter further states " while we have accepted late payments in the past, we did not waive our right to enforce the contract ''. It goes on to state they intend to strictly enforce the contract in the future and threatens to exercise its rights to " accelerate the debt and repossess the collateral ( the car ). '' This statement is an obvious violation of FDCPA as it threatens the consumer with misleading reporting, collection tactics and consequences. Further, this letter accuses me of being in " default '' when I simply past due 1 payment.
A company called XXXX continues to claim I am not paying per the agreement. I pay the bill on their website on XXXX-XXXX-2018 for {$100.00} which is more than the agreement. The bill is due on the XXXX-XXXX-2018 they are claiming it did not post until the XXXX. Then send threatening letters that I am not keeping to the agreement. That my response is unsatisfactory. And that the balance will be due in ten days. 

Customer service just keeps repeating claims that it did not post until the XXXX and that it is my fault. Even though on their own website it shows that it was accepted on the XXXX.
I got a letter in the mail ( see attached ) saying my mortgage payments were going up but the letter didn't offer any clear reason why. The numbers they presented actually indicate that I would have overpaid, e.g. the " what we estimated to pay out '' amount is actually lower than " what we paid out. '' There are asterisks in Part 2 that don't match the description of what it should indicate - e.g. it says it indicates a discrepancy between an estimated amount and an actual amount but no such discrepancy exists. Additionally, there are numbers for county tax and property tax payments that don't match their estimates - either the estimate is XXXX or the payment is XXXX. This results in a statement printout that doesn't even attempt to explain why I'm expected to start paying more money. 

After a quick review of customer feedback online it's clear that Freedom Mortgage is very, very unpopular with its customers. I am truly worried that the company is trying to skim money from me, especially considering they designed, printed, and released a statement that doesn't offer proper justification and appears to be intentionally confusing. I tried to call their customer service number and after trying to navigate a phone system that is not user-friendly and provides endless menus with no ability to navigate, I tried pressing " XXXX '' and was told I would by on hold for 56 minutes to speak to a representative. The combination of a very poorly designed statement asking me to pay extra without proper justification, terrible user reviews, and a phone system that appears intentionally designed to frustrate and deter customers leads me to suspect that something is amiss at Freedom Mortgage and I'd like you to investigate. 

Mortgage loan buyers are unique in my experience that I have to interact with them despite having no freedom of choice or transparency in the process by which Freedom Mortgage acquired my loan. A review of customer experiences online indicates that a terrible customer experience is the norm and no reasonable person would choose to do business with Freedom Mortgage intentionally. But because they bought my loan and there was nothing I could do to stop that, I am forced into doing business with a deceptive company. I've had good experiences with CFPB in the past in getting student loan payments counted when XXXX was fraudulently trying to deter me from doing so. I thank you for that and would greatly appreciate the same thoroughness in dealing with Freedom Mortgage.
I wrote check # XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/15. XXXXDue to a subtraction error it bounced. Subsequently I wentinto the the store and spoke with an assistant manager whowas supposed to tell the store manager that I was going to come in toward the end of the month and pay the check. 
I also wrote to XXXX XXXX, President of the store andcomplained of their tactics. 
Since then they have referred the check to Telecheck andTelecheck 's internal collection agency for collection. Theyhave also presented the check for payment FIVE TIMES ( XXXX, XXXX, XXXX, XXXX, and XXXX/XXXX/15 )!!! 
My bank paid the check on the final submission on XXXX/XXXX/15.
Hello, Late last year, Charles Schwab began running a promotion for a certain number of existing account holders, where they agreed to offer a {$200.00} bonus if you met the terms of a promotion. Specifically you needed to enroll in direct deposit and receive {$2500.00} in direct deposits into the account. Being that I received previously amazing service from Schwab, I thought this would be a great incentive for me to begin my checking relationship with them and make them my primary bank. I chatted in to see if I was eligible, and was told that I would be eligible for the promotion if I met the terms and conditions, and would be sent confirmation of the promotion to my email ( which is attached to this complaint ) I then followed through and set up a direct deposit for {$2500.00}, which went into the account. I then chatted again with Schwab to confirm that the terms had been met, and was told by new representatives, that my account was not " targeted '' for this promotion, even though I was sent confirmation and told that I would be eligible originally. They stated they would reach out to their marketing department to have them reach out to me. About 2 weeks later, someone from the marketing department called during a really inconvenient time, and left a voicemail asking what my " intention '' was for the account. This was really inappropriate given what I had communicated, and led me to feel that I would get nowhere directly through Schwab. Schwab presented me with a legal offer that was fulfilled from my end of {$200.00} for {$2500.00} in direct deposits. After completing the terms of the offer, Schwab then stated that they made a mistake in telling me I was eligible, despite the fact that I had already completed the actions, and refused to honor the offer. Instead of honoring the offer, they then had a salesperson call to find out my " intentions '' of sales, rather than address the issue directly. My original intention was to make Schwab my primary bank and roll over an old XXXX ( XXXX ) because of this promotion, but after the way this has been handled I am deeply upset at how they do business, and would like to have the CFPB enforce the agreement that was presented to me
Some one from my PNC business checking account initiated ACH transaction for XXXX for six days and transferred more than {$30000.00} from my business account. 

Company who took out the money : XXXX XXXX  XXXX XXXX XXXX named some company originated these translations. 

On XX/XX/XXXX -- - {$5000.00} On XX/XX/XXXX -- {$5000.00} on XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} Total : {$30000.00} was taken out from our PNC Bank account without our permission. When ACH transaction initiated we weren't aware and there was no permission given to the company PNC bank even didn't care to check the permission or never called us to get permission to authorize these transactions. 

When we checked our statement on XX/XX/XXXX thats when we came to know about these Fraud Transactions. We notify bank immediately and their answer was in order to stop these transactions we need to notify them in 24 hours and they can give money as ACH if the person knows our account number and routing number. Bank 's response was very casual and said all they can do is submit this to their fraud prevention department and nothing else they can do about our money getting back. We weren't even offered for temporary funds in order to operate our account.
I asked for a Bank of America Credit Card account be closed. I was assured that it was closed. A recurring charge was set up from a vendor. I do n't intend to continue with service from that vendor. Bank of America reopened my account without my permission and processed a charge. I never gave them permission to do so.
I received a letter that they will be garnishing my wages of 15 % each check. I had no idea of who they are and where they are coming up with the amount. All I see is that it is student loans but no idea of it 's private or federal as no information was given exempt that my paychecks will be decreasing and I live off every dollar amount now to survive. I will be financial crippled if these people garnish my wages. Not only did this come out of the blue - they contacted me through my place of business leaving me subject to losing my job making my life situation worst.
Upon receiving an insurance check, my husband at the time took the check to a Chase bank where I have never had an account. He opened an account, forged my signature, and left with the money. I have spoke with the bank where the check was cashed and they admitted fault. I would like to request a new check issued and funds disbursed according to our divorce agreement.
Past address is not mine. 
XXXX, XXXX never lived or worked there. 
It might belong to the other XXXX XXXX XXXX that lives in XXXX XXXX. 
The only other XXXX XXXX I know is my uncle that lived in XXXX, XXXX, and he died a few years back.
I noticed an email from Chase which stated I requested to delete my phone number and if I didn't to call the bank. So I called the bank. The first Representative helped me to add it back so my text alerts would get to me. 

What I believe the bank did : Somebody at the bank deleted my phone number so I would not receive alerts. No one else but the bank has access to my account. The bank refused to remove or to reduce these remaining fees. I have been a customer of theirs for many years. I also believe someone at the bank changed some of my purchases that took place previously to post on XX/XX/18 so that each of them could generate more fees. For the past several years, my purchases appear almost immediately pending then they post on the date made. Then all of a sudden for this incident, purchases made on different dates appeared on XX/XX/2018. For example, The attached receipt shows purchase XXXX XXXX purchase made XX/XX/18 but the bank shows it being made on XX/XX/18. Another attached receipt from XXXX shows purchases made on XX/XX/18 ; however my bank statement shows it was made on XX/XX/18. This is a way for the Bank to maximize their fees. XX/XX/XXXX doesn't appear on my bank statement at all. This is not an accurate representation of events. 

What I did XX/XX/2018 : I called the bank to inquire about how my phone number became deleted so I could not receive text alerts and the representative did not know and could not provide any explanation. He assisted me with returning my phone number to the alerts. After about an hour on the phone with the bank, I requested a reduction in fees or a removal of fees and XXXX a supervisor said he consulted with " the back office '' and nothing could be done. 
I inquired about all of the fees, 7 of them - maybe less at the time of that conversation. The insufficient funds fees continued to increase between XX/XX/18 and and XX/XX/2018. My overdraft balance continued to increase as well. Bank fees total {$230.00}. My account balance at this time is - {$820.00}, a negative balance The impact to me : Almost my entire check will go to pay my negative balance. As a result, I will not have money to pay my bills, and the negative balance and fees will continue. 

At the time the bank fees started, I had funds at the bank in another account to more than cover the insufficient funds. They could have called me for approval to uses that or at a minimum to alert me. In the past, I have received alerts asking me if I want to transfer to cover an overdraft. However, since someone at the bank deleted my phone number, I did not receive that. 

Why did they do it : I believe they want to get all of the profits they can for the year end. 

My request : I am requesting reversal of all of the fees in the amount of {$230.00} because they are a result of the bank 's actions with not alerting me to the situation with a phone call or text message.
CFPB this has turned into an extended process in my attempts to have the Credit Reporting Companies to correct and remove incorrect and erroneous information. It has been my experience that the Credit Reporting Companies take turns in providing your Credit Information when an Inquiry is made. XXXX XXXX and Experian has removed the erroneous XXXX XXXX / XXXX XXXX information while XXXX continues to report and share the outdated information. I sent the XXXX XXXX Notice dated XX/XX/XXXX to all 3 Credit Reporting Companies with my response dated XX/XX/XXXX. Attached is the XXXX denial Notice for credit dated XX/XX/XXXX indicates that the information that was used was provided by XXXX. The some of information that was offered by XXXX is attached to the bottom of the Notice. I have never offered an explanation from any of the 3 Reporting Companies how or why the account could be closed for 3 to 4 years depending on which date is used for the closing of the account why or how payment activity was being reported fromXX/XX/XXXX thru XX/XX/XXXX. Attached to that Notice is that erroneous information that continues to be shared and reported by XXXX when XXXX XXXX recently removed the information while Experian had long removed the history. Currently being reported by XXXX XXXX XXXX is an account that is 30 days past due when the account was closed in XX/XX/XXXX with a XXXX balance. After almost 2 years of payments when the account was closed even the XXXX and XXXX reporting show that the account was ok. XX/XX/XXXX XXXX XXXX XXXX started reporting that the account was 30 days past due. This type of erroneous behavior by the Banks must not be tolerated, first XXXX XXXX and now XXXX XXXX XXXX.
On XX/XX/XXXX I was approved for a HELOC on our current property. Upon title review, we were informed by our credit union, XXXX XXXX XXXX XXXX, that there was a 2nd trust deed recorded for {$85000.00} HAMP Loan through our service provider, Bank of America on XX/XX/XXXX. My husband and I were NOT aware of this second lien. We were having difficulties back in XXXX paying our mortgage and applied for a modification. We were past due about {$42000.00}. We completed 3 trial payments successfully, then was approved for a modification through Bank of America on XX/XX/XXXX. We DID NOT agree to a lien on our house for {$85000.00} NOR was that amount revealed to us by the bank or on the documents we received. THE SECOND LIEN THEY PUT ON OUR HOME IS DOUBLE THE AMOUNT WE WERE PAST DUE! Due to this 2nd lien, we are unable to access out home equity to pay off emergency bills that we have, we are not able to refinance our mortgage. Bank of America mislead us as homeowners in believing that we were adding the past due amount to the back end of the mortgage. There was NO documentation provided to us or explained to us by the lender informing us of this HUGE lien that we would have NEVER agreed to. We did NOT sign agreeing to this {$85000.00}. We only owed half of that amount. Bank of America fraudulently had us modified our own under those terms. Also, on XX/XX/XXXX, we modified our home again, and no where is this big balloon amount included in the modification. There has to be something done about this fraudulent lien that Bank of American orchestrated through the HAMP program. This second lien should be dismissed and Bank of America needs to be held accountable for this misleading actions that has caused us great stress.
I disputed the account with Lending Club requesting validation on XX/XX/2018. I sent a certified letter that they signed for on XX/XX/2018. I pull my credit report after 30 days and noticed that they didn't add " notice of dispute '' to my account. In addition, they had not respond to my compliant within the 30 days allotted. By not replying in a timely manner to my initial letter on XX/XX/2018, they have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I am attaching supporting documentation that clearly shows they didn't respond in 30 days. They should have responded by XX/XX/2018. Not sending me an email on XX/XX/2018.
XXXX TransUnion, XXXX continue to report an inaccurate account on my report per the attached letter please assist in removing immediately as stated per FCRA law.
Bank paid garnishment from Trust or Fiduciary account. These are funds of others held in trust for closing of real estate transactions. The funds legally can not belong to the account holder.
I had disputed this account before with this company that never verified this account MEADE & ASSOC # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , OH XXXX I have a a unverified account from Meade & Assoc . I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt MEADE & ASSOC purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
Recently, we received our annual cash back check for our XXXX XXXX XXXX. At that point, we realized that we never received a check for the previous year. We called to complain, and basically we were told that they sent us a check for over {$300.00} ( unfortunately, I don't recall the exact amount ), but since we never cashed it ( because we never received it ), they basically took the money back, and they refuse to do anything about it. We asked to speak to a supervisor ( and spoke with operator # XXXX ), and she told us the exact same thing. We feel that they owe us this money, and shouldn't be allowed to take it back simply because we never received the check.
Four years ago, I applied and received a Step Rate Modification Home Loan at Wells Fargo Bank. The interest rate on this modification will reach its cap rate in XXXX XXXX. That rate will be much higher than the current rate ; therefore, in XXXX of this year, I applied for a new home loan modification. 
I received a letter from Wells Fargo on XXXX XXXX, XXXX indicating that an escrow account would be established as a part of any new modification process. On XXXX XXXX, XXXX, I received a letter stating that I was denied the requested modification due to my NPV. I appealed the denial and that appeal was also denied. After the second denial, Wells Fargo attached an escrow account to my current loan. This is not in accord with our original loan agreement. Now, my loan includes my property taxes and home insurance. This results in my monthly mortgage being elevated to a level that is difficult for me to pay. 
Most of my finances are paid to me quarterly, not monthly. Adding the Property Tax to my monthly home loan will cause me an unwarranted hardship. I explained this to Wells Fargo. I have owned my home for 20 years and have never failed to pay my property taxes or home insurance. In addition, I have always paid my mortgage before or on the due date. 
I feel that the new escrow account attached to my loan is an injustice ; it causes me financial hardship. Wells Fargo is not honoring the original modification agreement. In addition, this escrow account was established after I applied for and was denied a new modification. 
Two years ago, Wells Fargo attempted to implement an escrow account that was not a part of my loan agreement. At that time, I contacted your office and your office resolved the matter. Please assist me in resolving this matter again. 
I continue to get correspondence from Wells Fargo indicating that they are looking into the matter. Meanwhile, I continue to have property tax and insurance added to my monthly mortgage statement. Please help.
I am currently requesting that XXXX  surpress and freeze my information from being shared with any and all other parties.
I think Synchrony Bank needs to be investigated. For XXXX the late fee they charge is astronomical its around {$30.00} and I see some fraudulent and deceptive business practices. I 've seen that other customers are being treated unfairly and unethical.
Ally Bank has been made aware of Federal Social Security deposits made into my checking account with them however the funds have been blocked several times including now. I am entitled to have access to my social security payments yet they have my account in a deposit only status which is a crime to place this type of HOLD on Social Security payments. I am reaching out to the CFPB to get involved in the matter as I have spoken to Ally bank about this several times. Regardless of overdrafts occurring at times they are not ALLOWED to block SSA payments from use.
In XX/XX/XXXX, I received an collection letter from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I called the phone number XXXX asking about this collection letter for {$2000.00}. XXXX XXXX stated it was for Maintenance fee for XXXX XXXX XXXX. I told him that this debt was n't mine. They gave me the address in XXXX and my daughter and I went to XXXX XXXX XXXX with the letter. XXXX XXXX XXXX said they do not show a timeshare in my name nor ever had my name on a timeshare with them. They said do not pay this debt collection since it was n't a valid debt collection. This bad collection account was put on my credit report in XX/XX/XXXX and was removed in XX/XX/XXXX. I started getting collection phone calls, I reported the harassing phone calls to the police. The Police Chief said to change my phone number. So I changed my phone number. My new phone number is under my daughter 's name and how they got the phone number I do not know. The calls have started back today XXXX. I received in the mail dated XX/XX/XXXX another collections notice from OMEGA RMS. llc Moving forward XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX. And now they want {$4800.00}. The statute of limitation in XXXX is XXXX years. Enough is Enough. I want the harassing letters and phone calls to stop.