WillisBack/dataset-financial-user-claim huggingface dataset:
Hello CFPB : I closed my mortgage with FBC mortgage , LLC, in XXXX, FL, loan number XXXX, back in XX/XX/2016, first payment was done on XX/XX/2016, since then I have been a good customer and have paid my mortgage in time. Today, I have another company sending me an email, yes, an email, not a formal letter, no official request, but an email stating that it is time to pay my mortgage to this new company, apparently my mortgage was sold to a " XXXX XXXX '' without being notified by either part except via email. With all the issues with identity theft, these crooks make business between them without notifying the most important link here who is the consumer, while believing an email will suffice to collect a mortgage payment. There is a binding agreement between customers and loan companies and it works both ways. As customers, we can expect a loan to be transferred/sold, but we should be notified in advance of this not via email.
It is absolutely frustrating and painful that after two and a half years of constant request of a work out plan, I get no resolution to benefit my family.

Just to familiarize you with my hardship : I am a single parent with XXXX children. It all began when in XXXX I requested a work out plan from Shell point.

I had lost my business after losing two major contracts and due to a fall disable for several months. This has been a horrific experience.

I immediately reach out to Shell Point servicing and explained my situation. It was then that I was told to prepare loan modification package and explain my hardship. I have provided over six packages to Shell point services and XXXX and XXXX attorneys for Shell point. I attended all settlement conferences in court. On XX/XX/XXXX at my conference appearance Shell point requested I provide a P & L. On XX/XX/XXXX I was advice of another conference scheduled for XX/XX/XXXX. 
All documents then were submitted. 
On XX/XX/XXXX I called XXXX XXXX XXXX 's office and confirmed documents were received.. 
It was on XX/XX/XXXX that I found out that Mr. XXXX XXXX was my point of contact .. Mr .XXXX was contacted again on XX/XX/XXXX requested the same documents. This went on and on. I have evidence that and feel that I was given the run around. I FEEL THEY NEVER ACTED IN GOOD FAITH. I HAVE NOW OBTAIN AN ATTORNEY IMMEDIATELY AFTER FOUND OUT MY HOME WS SOLD TO TH E BANK .I WAS IN THE MIDDLE OF A LOAN MODIFICATION PROVIDING UP DATED PAPER WORK, I AM PLEADING THAT THEY ALLOW ME TO KEEP MY HOME. I WANT MY HOME BACK PLEASE. I AM CONFIDENT that I am able to afford my home now. 
My monthly average income is {$50000.00} a month.
Charged on XX/XX/XXXX for service to be performend on XX/XX/XXXX for XXXX on my Chase card. Company XXXX XXXX or XXXX XXXX who charged it has a penalty-free cancellation policy ( 100 % refund XXXX if cancelled 2 weeks before service date. 

We canceled 4 weeks before service date. Company becomes non-responsive, fraudulently charges the card again and then refuses to refund or respond the money. 

XX/XX/XXXX Dispute with Chase. Chase refuses to chargeback the merchant and does not investigate thoroughly even though we have paperwork.
I was out of work for some time due to be ill and got behind on my bills. went went to XXXX relieve for help got debts reduced and paid off except Capital One They brought a Judgement against me. I went to court and they said I owed them XXXX dollars and I agreed with them. set up monthly payments payed all but XXXX dollars and was told bt capital one they were not pursuing this any more. so I asked does this judgement come of my credit they told me no because the judgement has to be satisfied first.
My name is XXXX XXXX and I writing you regarding Transunion Credit I filed Chapter XXXX on XX/XX/16 ... They are showing another Chapter XXXX on my credit file in which isnt mine ... I have sent numerous letters and disputed the information no avail ... .I 'm writing you due to the Fair Credit Reporting all information must be correct and accurate information.
Capital Accounts has been hounding me by calling repeatedly from disguised numbers, and through different agencies to make contact with me, after I have told them to never call me again. Today they called my home phone number and discussed my medical bills with my wife and attempted to pressure he to give them a Credit Card number for a debt that I have checked with the Medical Provider and this debt was paid. 

I have never given them permission to discuss my personal medical records with anyone, and feel this is just another type of harassment. The Bill which they are referring to is from a medical procedure which took place in 2012.
I have repeatedly tried to access my online Equifax report to file disputes to have fraudulent information removed. My access has been blocked, claiming my information was not correct. I have tried to log in multiple times in the last week to week and a half. 

my information is correct and i have never had any issues logging in until the previous dispute i filed was resolved in my favor and fraudulent items were removed. 

i am a victim of identity theft and Equifax is intentionally blocking access to my file. When I called, i was informed that i could only view results electronically. I was told at first, that there was no technical support department, and then after speaking with a supervisor was told there IS a department but they do not take calls. They told me that it was a temporary error " while they fix their system ''. I highly doubt their system has been " down '' this long. 

I WILL also be filing suit in XXXX XXXX court. this is a gross violation of the state and federal consumer protection laws regarding credit report access and dispute resolution.
I bought a car from XXXX XXXX XXXX, In XX/XX/2018 They directed me to a finance company called XXXX XXXX XXXX. I thought this was a typical finance company, which when you are late you pay a late fee.. 

Anyway my due date on my loan is the XXXX of each month. I have been late each month but no over 30 days late. I am basically a month behind. I am seasonal business and my cash flow varies. I do not have a problem with paying a late fee. 

Now here is the part I did not understand when I signed the loan because I expected a simple car loan. In addition to the late fee XXXX charges a daily fee of {$12.00} up to the 30 days which added another {$370.00} to my monthly payment. Basically I have been paying interest only. I did not realize this until 8 months into my loan when I looked at the statement and did not understand why my balance was not being reduced.
I have been going back and forth with the XXXX  about my dispute with XXXX XXXX reporting " paid charge off ''. This item continues to be on my credit report. XXXX XXXX has ask that this derogatory statement be removed.
I have recived a bill from capital one saying I owe XXXX $ From a credit card I never own. Now a bill collector send me a letter saying that they sold the acct to them. I talked to a representative one time and told her it wasent me. We end up arguing and the representative told me If I cant keep my spending under control and if im not going to pay why get a credit card? Now they calling family members ebery other day asking for the payment and harrasing my family members.
I have written a letter stating that my company was a XXXX XXXX victim and $ XXXX worth of inventory was damahed on XXXX/XXXX/XXXX. I did not receive a letter or call back from XXXX. 

So on XXXX/XXXX/XXXX I got my claim check for the damaged inventory from the natural disaster and so I called in XXXX about the following 3 interest rates : XXXX XXXX XXXX {$560.00} {$560.00} {$110.00} and stated my situation. She proceeded to tell me once I pay off my balance in full which I did, she will waive all those interest charges. 

So today I called in seeing that none of it was reimbursed and the customer service rep stated he will refund {$110.00} then this supervisor stated that it is n't going to happen. 

At the end of the day this is outrageous that XXXX is not taking responsibility for helping out XXXX victims. No communication or anything. 

I have always paid my balances on time.
I disputed a charge on my XXXX Chase credit card, because the merchant sent me an inferior product and when I attempted to return the item according to the terms I was told at purchase i.e., free return shipping, they refused to give me a return authorization form. 

Also, there are numerous reports against this company, XXXX. I have told XXXX Chase Visa that I have no intention of paying for the item, but they continue to add finance charges on the statement each month. I have ceased using my XXXX Chase Visa because they refused to respect me as a good customer. 

Just yesterday I received an invitation to extend my credit line with them because, as the letter indicated, I was a good customer. I have been a good customer of Chase and despise how I have been treated in this manner. I called XXXX Chase Visa and no one would transfer me to the letter writer. 

I want XXXX Chase Visa to cease sending me statements with XXXX and finance charges. I have repeatedly told XXXX Chase Visa that I will NOT now or in the FUTURE pay for this faulty item sold under false pretenses. 

Here is a list of some of the complaints against XXXX : XXXX XXXX XXXXXXXX
My Identity Information has previously been compromised and used to open several accounts and inquires without my permission. These are just some of the accounts that were opened that I do n't recognize.
Optimum Outcomes Inc XXXX XXXX Emergency Medical Date opened- XXXX XXXX, 2016 Balance-XXXX This account is fraudulent and needs to be removed off of my credit files with XXXX, XXXX and XXXX.
This DCI is trying to collect on a debt that is fours years old which belongs to XXXX XXXX XXXX XXXX. I talk to XXXX XXXX XXXX an the debt was paid as a result of a chargeoff. I complained to XXXX XXXX XXXX about there services which I found unsatisfactory and refused to pay due due to there services and call center which did not let me disconnect services. I tried to pay half of the bill but due to my unsatisfactory view was told it would be chargedoff. My credit does not show XXXX XXXX XXXX but DCi filed like if I had an account with them. I did not give permission to XXXX XXXX XXXX to sell my account to DCI.
My loan servicing was transferred to LoanCare XX/XX/2016. The performed and escrow analysis which was followed by an impound shortage notice. Upon research I discovered LoanCare had changed the terms of my loan and increased my MIP to a different amount than was in my original loan documents and final disclosures. I sent in the shortage and they applied it to my principal in error. I called and they corrected this error. Told me they would only be deducting the original MIP from here on out and that they made an error. XX/XX/2016 I refinanced my loan. My escrow was to be paid out and I logged on to their website to view the account history and verify the balance in escrow I was to receive. To my shock I discovered not only have they continued to deduct the wrong amount for MIP they misapplied the payoff and coded it XXXX different ways including something to do with foreclosure. I have never missed a payment and in fact had always paid early. I called them and they are completely ambiguous in their responses. I 've emailed with details of my issues on the mismanagement of my escrow and the account payment applications numerous times. Two weeks later on both cases I receive a response email simply stating my account is paid off ... never once addressing the root of the emails I sent. I continue to call and most recently when I pressed for transfer to a supervisor or department that is responsible for clearing things up I 'm told they do n't take inbound calls or they choose to end the call and hang up when I press for explanation of what is going on with my account and try and hold them accountable for the mess and errors they created. It 's been over five months since they took over the servicing of my loan. My account had not been corrected and their customer service department is of no help. They do n't have any answers to provide and simply say it 's " Under research ''. Five months??? Today I sit here getting ready to make my first payment to my new lender and I still do n't have a resolution to what is happening in my old escrow account, when it will be corrected or when I will receive payout of the escrow balance. This company is completely incompetent and is a prime example of why we had a housing meltdown that triggered the recession. They should be shut down and never allowed to manage mortgage account again. They are rude, unresponsive and totally incompetent. They have a fiduciary duty to explain and fix errors they create when managing a mortgage account and they fail to do that time and time again.
Every month for the last six months, Mercedes-Benz Financial Services continue to display inaccurate information onto my credit report at all tree Major Credit Reporting Agencies, intentionally. Enclosed is full complaint. Please read. 
Thank you ...
I was notified that a personal and business checking account was fraudulently opened online with a bank that I have never even heard of and that does not even have branches in my state. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.
I called the company on XXXX/XXXX/16 to request that all ACH transactions be stopped due to a problem with my bank account. I was told it was stopped and nothing would be debited. I sent in a money order as my p/ayment as instructed as an option to pay. I called a 2nd time on However, my account was still debited and I 'm being told there 's nothing they can do.
I have a car lease with the finance company of Mercedes Benz. To collect the Missouri Property tax, M-B finance company sends a letter indicating you can pay by check or credit card. You must call the company to pay by credit card. When you call, M-B Financial tells you that you can not pay by credit card and that your payment will be transformed into a cash advance. 
This immediately hits you with a 2 % to 5 % fee and interest charges with no grace period at up to 24.99 %. A credit card charge usually costs me nothing and I get frequent flyer miles if I pay charges within 30 days. 
Sometimes agencies like the US Government tack on a convenience fee of 1.8 % to 2.25 %. The bait and switch policy of M-B Financial would cost cost the consumer XXXX as a cash advance than a normal credit card charge. This appears to be fraud as I can not pay the required payment by credit card but only by a cash advance. It is an unfair, and misleading policy if not outright bait and switch and fraud.
Between the days of XX/XX/XXXX to XX/XX/XXXX over 5000 dollars was taken out of my account ( Wells Fargo ). Filed A claim which they told me would take ten business days, XX/XX/XXXX claimed denied. Went to branch to have claim reopened didnt hear from anyone till XX/XX/XXXX, they still denied my claim because my cards were in my possession. I asked numerous times if they checked the atm cameras they said no they didnt. Thats a major issue for me because I work two jobs and hard for money. So I would appreciate if they would do a thorough investigation including checking the cameras of who actually did it. I already left a voicemail and email for help me XXXX so it can go on the news because its ridiculous how they just shove everything under the rug. Mind you, they opened up new accounts for me, what is that supposed to do for me ... .oh and I filed a police report and still nothing. I even told them that I can show proof that I was working both job while all of this was going on. They still didnt want to hear it. I seriously want to close my account with Wells Fargo, its always some XXXX with this bank ... .I even had two direct deposits come in that I couldnt even touch because it was already gone
I had a vehicle financed through Santander in XX/XX/XXXX. Santander charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid Santander {$5200.00} in the total loss settlement and Santander released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet Santander is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.
Online Account Information with US Bank does NOT provide customer 's current interest rate information. This information is only offered on paper statements ( or PDF images of same ). 
If banks want to move to paperless systems the customer should be able to view ALL the data that is provided on paper statements and should not be required to make a special request for it to be mailed. It makes no sense. Thank you!
Over the last 6+ months I have been trying to get Navient to process a recertification for an income based repayment plan on my student loans. First in XX/XX/XXXX then again in XX/XX/XXXX. In both instances I was given miss information by Navient customer service as well as told I did not complete the process ( which I have done for several years now ) incorrectly. In addition Navient applied a forbearance to my account when I expressed my desire to pay a past due amount. The representatives continually provide miss information and as result have cost me several thousands of dollars in accrued interest as well as severe hit to my credit report and score
I went to XXXX XXXX XXXX and they sold me a car that supposedly was part of a special program that they offer. They told me not to worry about the payment amount and hat the car would have negative equity. that the a was like a loaner car to help us reestablish our credit. we paid for a year and we went back they said that the program that I was talking about does not exist and that the finance manager that helped us is no longer there. If I wanted to trade the vehicle I would have to ay {$6000.00}. we left I called the finance company telling that what had happened and they said sorry so I told them that I do not want he car and for them to come pick it up. 2 months past and on XXXX XXXX I checked my personal bank account the finance company Auto acceptance in XXXX OR took XXXX unauthorized payment form my account. The reason why they have my account information is because I made a one time debit cad payment 3 months ago. They were never authorized to keep my bank information and I never signed anything stating for them to keep my bank information on file. I also checked the car contract and there is nothing stating that they can do anything like what they did and what they did is raud and stole money from me
Equifax is allowing a company to falsely report a hospital debt to my credit. I contacted the company the dispute the report. Not only did the representative try to collect my information so that she can put it in their system she got upset when I called the hospital while I was on the phone with her. she stated that shes going to mark it as disputed but its not going off of my report. She tried to talk to me as if its my debt, when I told her I dont think it is and verified that it wasnt when I called the hospital. I explained to Equifax that this collection company did not have my name or social when I called them to look up this debt. I gave them this info when I called and they couldnt pull it up. Yet Equifax marked my investigation for these collections accounts as verified. The hospital does not even have my name or social in their billing department either. So, equifax is allowing this company to report information on my credit report without full proof because this company is paying them to report. It is not fair to the consumer and should not be tolerated. I want this account removed from my report. It is not mine, and the company doesnt even have the matching information to report it. It is absurd. 

Nothing works in the consumers favor in these systems. It is really sad. We are just stuck, and left to keep disputing things that destroy our credit. It is not right.
On XX/XX/XXXX, I received my credit report and to my surprise, I had AD ASTRA RECOVERY SERVICES listed attempting to collect a debt. On XX/XX/XXXX, I sent a certified letter to AD ASTRA RECOVERY SERVICES requesting the company prove I am the party who is by contract obligated to pay off this debt, which I have the right per 15 USC 1692g Sec. 809 ( b ) of the FDCPA. AD ASTRA RECOVERY SERVICES did not validate the debt but indeed only sent a bill. If this account continues to report inaccurate and invalidates information to the three credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute fraud under both federal and state laws. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I had  a  XX/XX/XXXX  stud ent loan originally with  XXXX  that was sold to  XXXX  /USA Funds t hat was not consolidated with my total  Student  loans due to transferring loan providers/attempting to collect while I was still attending school. These smaller loans demanded to be paid the same $  XXXX /mo payments as my large loan which I could not afford while I was in school or after. They went into default before my loans were due for repayment after graduation in  XX/XX/XXXX  because I had no additional income with my large loan taking priority.     In  XX/XX/XXXX , these loans were paid off with the Department of Education. I sent proof to all  XXXX  credit bureaus and everything was reported paid. Last week, I checked my credit status again and found  USA   Funds/  XXXX  was reporting I owed {$19.00} and {$12.00} (  XXXX  totals : {$17.00} & {$10.00} on FAFSA site  XX/XX/XXXX  ) and it has been reported as past due since  XX/XX/XXXX . I have not received an invoice or bill for these outstanding balances . USA Fu nds does n't accept calls.  XXXX  does n't reflect I have an account any longer so I can not access information from them directly. I found that  XXXX   XXXX  in MA is handling their disputes now but no one is providing me any information so I can pay or have these amounts closed.     I understand  USA f unds has agreed to refund $  XXXX  in fees charged, and I am sure they want to get something out of me or  the Dept of Education. However, my debt was paid to the federal direct loan provider, and my balance should reflect {$0.00} owed by USA  Funds/  XXXX   as well.
I have tried multiple times to contact trans Union and get my account information fixed on balances deliquencies ect. and they keep sub tracting huge points like negative -77 at a time. they don't have my years of credit coreect. and yoyu can see a huge difference between XXXX   report compared to Trans Union. its not fair and I have worked diligently to improve my credit score.
JP Morgan Chase Bank rejected refinance of current Predatory JP Morgan Chase Bank Loan citing Mortgage payments were made in cash and thus in violation of Chase policy.