WillisBack/dataset-financial-user-claim huggingface dataset:
On approximately   XXXX   XXXX   XXXX   I made the required payment and extra. On   XXXX   XXXX   XXXX   I made another payment for   XXXX   XXXX   XXXX    , it was applied to the principal. I spoke with The company  Specialized Loan Servicing, LLC  representatives on  three  occasions about   XXXX   XXXX   payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX   XXXX     I reveiwed my credit report to discover that  Specialized Loan Servicing  list the account as delinquent for sixty days. I called the company again and the representative hang up.
In the process of completing a vehicle sale and title release, Wells Fargo Dealer Services ( XXXX ) Customer Service Representative ( XXXX ) confirmed that our loan was for a XXXX XXXX XXXX and provided us the payoff amount. This incorrect information caused an error that required XXXX to reverse the loan payoff and in the process of correcting their mistake sent all of our loan documentation, to include the original vehicle title to a third party that did not have authorization. This third party is unknown to us, other than his name on the letter we received from XXXX stating their error. 

The correction process was supposed to take XXXX weeks and months later after the loan documentation was signed and the check deposited, we were informed by mail of their error. We contacted XXXX and asked for id theft to protect us, they denied that request and hung up on us. 
We were informed by XXXX they had falsely reported us to the credit bureaus as being late and corrected that error upon on request. 

We filed formal complaints with the XXXX XXXX of the President ( WFDSOP ) and have had additional errors made to our file to include a XXXX XXXX adding false defamatory information to our account. We continue to receive documentation to our address that has incorrect information on it, as well as receiving another account holder 's loan documentation and signature, vehicle information, etc. 

This process is now over a year that we have tried to have a resolution only to be denied. We filed complaints with the Federal Reserve, FDIC, XXXX and the CFPB who asked us to contact our state XXXX since the complaint centers around our personal private information and original documents being given away. 

We have tried for over a year, reaching out to every known department within the umbrella of the XXXX XXXX, not just XXXX, to ensure that all devices are used to ensure our safety and rights are upheld, to include the compromised data department, veterans services, privacy act, ethics department, global integrity, all with epic failure on XXXX part. After more than a year, we are no further along in resolving the breach of our information than when we first contacted WFDS. 

XXXX response to the CFPB complaints state they have sent the letters to the correct address, yes, our address is correct, however, they did not respond to the contents of that letter stating they sent the information to XXXX XXXX XXXX XXXX, which was the basis of the complaint. The second response to the CFPB from XXXX did not include the fact he added false defamatory information to our account. His letter was a copy of the first letter the CFPB received from XXXX XXXX. 

We have also contacted our Wisconsin Department of Justice, Attorney General 's office as well as the Arizona Department of Justice, Attorney General 's office and filed complaints with them..
I was forced to sign pretender lender loan servicer {$750000.00} loan modification settlement, over {$200000.00} more then the Option One Mortgage loan that was paid in full to avoid Ocwen 's fraudulent trustee sale. Attached is email communication between Ocwen scum lawyer " XXXX XXXX '' denying my written request to have the right to discuss my matter before a congressional hearing before congress. Ocwen scums thought I would bend over and obey. The XXXX is aware of my matter and is correctly scheduling a hearing. So, get ready scums. Even if pretender lender loan servicer OcwenLoan Servicing is successful fraudulently auctioning off my home I will still fight till justice is served and I get my home back.
I have had a loan with AIM since 2010, I have been paying twice a month all along. Well I am getting documents together for the sale of this property, and I find out that AIM has been keeping my first monthly payment in a non-interest bearing account until the second payment comes in and applying it all at once. I received absolutely NO benefit from paying twice a month like I expected.
My name is XXXX XXXX and I 'm contacting you for third time, this time with updated information. Wells Fargo/ Dillards card services responded to my complaint. The sent me out a letter which will be attached in this filing. I disagree with them not reopening my account for non-payment when the just got a check from the credit protection for XXXX. When initially before the account was closed they were challenging me saying that they did no offer credit protection on their cards but come to find out they did. The last physically payment I made from my personal funds on this account was in XXXX, because I was informed from the credit protection who Wells Fargo/Dillard 's told me did not exist but in fact it did and they sent the payment just two months after a long battle and dispute with them as well. My account would have been paid on time if Wells Fargo/ Dillard 's would have did there job from when I first brought this issue of who should have been paying the account. They did n't know that my credit card was protect and that negligence on them as a financial business. Also I informed them in late XXXX that there were fraudulent charges made on this account and that was the cause of the account being over the limit and again my complaints/ concerns went unattended and handle properly. I 'm now ready to pursue legal charges against them because this has affected my credit in a negative way. 

I honestly feel that because I had previous personal checking account that was closed by wells fargo that this is why they are refusing to reopen my account. They have a payment that brings the account to paid in full, and the over limit is because of fraudulent transaction that occurred on the account that I was n't able to dispute because of the status of the account.
Please see the attached narrative complaint and exhibits. This complaint is about unearned fees, unearned interest, and credit reporting all after the consumer canceled the card.
I signed up for this checking account with a sign up bonus offer of {$600.00}. 
I have met all the requirements and the same has been confirmed by the CITI bank customer care agents. 
The last date for the {$600.00} has already passed and In spite of multiple follow ups nothing has been done. 
Please Deposit the promised bonus. 
Thanks.
This is a follow-up to a complaint I made yesterday, #  XXXX . A company called  RoundPoint ha s been contacting me asking for money, claiming to be my mortgage servicer. Meanwhile,  XXXX  ( my actual mortgage servicer ) has confirmed multiple times that  XXXX  is the servicer. I have been making my payments to  XXXX . After I filed complaint #  XXXX  yesterday,  RoundPoint called me to respond to the complaint, claiming that I am still being serviced by RoundPoint  and that they will send me paperwork to prove it. However,  XXXX  has sent me paperwork showing that they purchased servicing rights fr om RoundPoint  effective  XXXX   XXXX ,   XXXX  . I am writing again to include this letter from  XXXX .
I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn, and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased has caused a delay in income tax services, among other things and has harmed me severely financially.
JPMorgan Chase Bank has locked the electronic access to the account of XXXX XXXX. XXXX has a savings account only. In XXXX, 2015 XXXX and her husband XXXX moved from XXXX, XXXX to enter home XXXX with their son XXXX in XXXX, XXXX. The nearest Chase Bank is XXXX miles away in XXXX. They opened an account at a local XXXX XXXX and, on the advice of a Chase representative, used funds transfer to moved their funds from Chase to XXXX XXXX. These transfers are limited to {$100000.00} per day. After XXXX transfers the electronic access was locked until XXXX of my parents presents themselves at a Chase Branch office ( XXXX miles away ). They are XXXX of traveling a total of XXXX miles. The Chase Operating Loss Prevention Team declined to resolve the issue telephonically although they did send a letter asking us to call so they could " update your account information so you can resubmit the payment. '' My father has a separate checking account so he can access those funds although I expect he will also have trouble accessing his savings account.
Good Morning, This is regarding a problem with a paid off mortgage in XXXX XXXX with PHH Mortgage in XXXX. XXXX, NJ. The mortgage of a home in New Jersey was paid off back in XXXX XXXX and we are still trying to receive the money from a TAX OVERPAYMENT made BEFORE the mortgage was paid off. 

Now it 's XXXX XXXX, OVER THREE MONTHS since the mortgage was paid off and the tax payment made in our behalf to the town. After NUMEROUS CONTACTS over MANY MONTHS to PHH Mortgage Customer Service, PHH Tax Department, the township in various forms, we are still waiting for a tax refund which was requested in XXXX XXXX. 

Your efforts to help us secure money that was deducted from our accounts and paid by PHH Mortgage from our accounts would be helpful. Please help us RETRIEVE OUR MONEY back from PHH Mortgage. 

Thank you, XXXX XXXX
Statute of limitation expire but they keep harassing me sending me letters and calling me. 
I 'm a XXXX citizen just living from my Social Security check
I am currently disputing One Main Financial with CFPB. They are not responding in an appropriate time with CFPB. The negative account was taken off of XXXX months ago and on to XXXX after it has already been deleted and the executive director of One Main was contacted directly concerning my situation by CFPB. They have received all the proof showing that I was a victim of Identity Theft ( Police Report, FCRA Affidavit, etc. ) and still are not cooperating. This is beginning to become tortious interference of business practices due to I function in the real estate industry by using my credit I may need to contact a lawyer in order to place a civil suit. I have never had an account with One Main Financial and all accounts they have posted on my credit reports need to be removed immediately!
Three acct. entries on my Equifax report are incorrect and are listed under XXXX XXXX XXXX XXXX. XXXX. 

1. One acct.ending in XXXX and listed under XXXX XXXX XXXX XXXX. XXXX opened XX/XX/XXXX and closed in XX/XX/XXXX, Bal of {$0.00} says 120 days past due. I have no knowledge of this account. 

2. Another acct.ending in XXXX and listed under XXXX XXXX XXXX XXXX. XXXX opened XX/XX/XXXX, status open, bal. {$1.00}, past due {$1.00}, and in collections. I have no knowledge of this account. 

3. A third acct.ending in XXXX and listed under XXXX XXXX XXXX XXXX. XXXX opened XX/XX/XXXX, status open, monthly payment {$500.00}. I have no knowledge of this account.
Bank of America ATMs let you overdraw the account and then charge you a {$35.00} overdraft fee. This is unlike most banks ' practices. For example, XXXX and XXXX ATMs do n't do that. I called them at XXXX today and had to wait on hold an hour to ask for a one-time courtesy adjustment because they let my bank account overdraw when my girlfriend used the ATM. They refused the adjustment even though after the overdraft, Bank of America sent no email notification or XXXX application notification regarding the overdraft. They let the overdraft stand until early the next morning when I saw it, by which point they had charged me {$35.00} as an overdraft fee. They intentionally do not notify their customers so that their customers do not cover overdrafts. My account was only overdrawn a few hours until I covered it at XXXX or XXXX the next day. Even then, I was still charged {$35.00}. My account with them is not even a day to day account ; I usually only have {$1.00} in there and keep the account to send money to family. Also, I called them and asked for a one-time courtesy adjustment of this overdraft and they refused, saying that the fee was properly assessed. This is even though I never selected this intentional overdraft feature for my account, which has been opened 11 years. This must be a more recent feature they have added to rack up fees.
I have been paying my mortgage payment on time and the bank issued a notice to the credit bureaus that I am two months behind.
I have paid this debt already with proof to XXXX XXXX at The South Carolina Consumer affairs at South Carolina Consumer Affairs, Consumer Advocacy, Complaint No. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. I want this company to stop harassing me
We have tried a number of times to come to some type of solution to save our home from foreclosure. When they initiated the foreclosure were were only {$10000.00}. in arrears.

We tried to make payment arrangements. We tried top do a forbearance. We tried everything we could to avoid foreclosure. We had an attorney who to our knowledge was familiar with the foreclosure process but did not represent us in the manner in which we wanted. Leaving us in a very bad situation. We have overcome our hardships and we have money saved to workout a solution to save our home. Please help us save our home from foreclosure. We have XXXX  ( XXXX ) small children under the age of XXXX. We need our home for our children. We are both working and do have savings to pay ourm mortgage.

Thank You
Today, XX/XX/XXXX, I applied to Equifax for a copy my free annual credit report. I had last requested this report from Equifax on XX/XX/XXXX. Equifax DENIED me access to my free annual credit report without even trying to verify my identify my asking the usual questions. Besides distributing my credit report to criminals by failing to safeguard my data, they are now denying me access allowed under the Fair Credit Reporting Act.
A collection account was added to my crediti report. I sent a certified letter asking for verification. I was sent verification with an amount owed with interest. Later I sent a letter certified mail trying to pay the bill and never was sent a response. Also the amount being reported is not the same on the verification letter.
I traded my XXXX XXXX XXXX LEASE for a new XXXX XXXX XXXX XXXX, XXXX. I sign all the paperwork and take the car home. Aweek later I receive a call to come in. I get pressured to sign newcontract with a higher payment due to some error. I could not leave thepremises until I signed this paperwork. I later find out it was due to KIA notFUNDING my new loan. It took KIA several months later to FUND thisloan. I put in a previous complaint against KIA and they have nowremoved these lates from my credit. This complaint is for the higherpayment that I was forced to sign for their mistake. Now that the lateshave been removed, I should be able to have the original terms offered.
On XXXX/XXXX/2015 tryed to work with Ocwen for Loan Modification got nowhere. Wrote to Senator XXXX XXXX detailing my issues. His office contacted Ocwen. I received a letter from Ocwen stating my would be completed by XX/XX/2015. Nothing happened. Received another letter stating my case would be done by XX/XX/2015 nothing happened again. Been getting the runaround ever since.
In XX/XX/2011 a debt collector company named Afni contacted me for a supposed debt I had with XXXX XXXX for XXXX dollars. I had never had an account with XXXX so I ignored the letter. For the next few weeks this company continued sending me letter based on the allegation I had a debt with XXXX, I became worried and called XXXX and they told me I had never had any account balance on my name. Years passed and last week I received another letter from Afni collecting the same debt. I enter on the website XXXX to check my credit and this company affected my credit even when they closed the issue. On this new letter they offer me that if I pay half the debt I will resolve my account. I am worried I could have been victim of identity theft, because I had never had any kind of account with XXXX or any debt with this company. My phone bills were paid by my parents and it was another company. So im asking for help. Im worried this could be a more serious situation.
I requested an extension of my creditline, but before I did that I explicitely asked the AmEx creditbureau ( call has been recorded ) if I would get a 'hard hit ' on my creditrating. They explicitely told me this was not the case, so I proceeded. 
I just have been informed that they have put not XXXX, but even XXXX hard iquireries on my creditfile, which is hurting my credit. This is a particular issue because I am an XXXX, and XXXX only XXXX months ago, so I am trying to build up my credit, not break it down ...
I called into XXXX Consumer Finance and have filed a complaint against XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX : an account I had with them XXXX. XXXX is the collection agency. I filed a complaint with XXXX ( XXXX ) and Experian ( XXXX XXXX to have them remove a collection from my credit reprt. I have had XXXX for years as my TV, internet and telephone service provider. XX/XX/XXXX, I spoke with XXXX of their sales reps that I was moving from my old home ( this home sold and closed XX/XX/XXXX ) to an apartment for one month till my new home was built ( XX/XX/XXXX ). The rep agreed for us to take the equipment to the apartment. They sent a technician that set up our TV and internet in the apartment. Around the middle of XXXX, I called in that we were moving to our new home and the sales rep stated that I needed to pay the {$260.00} in order to close the account at the apartment, I asked where did that come from and she said that I signed a contract. Of course I knew that was not true because we were moving to our new home. After speaking with her supervisor, I knew the conversation was going no where. At this point, I wanted nothing to do with them. I know that if XXXX XXXX XXXX ( the CEO and share holders ) knew what they were doing to customer they had for years, they would have intercepted. I believe that sales rep received some award for signing me up for a year. The plan was to take my old account with me. Somehow there was miscommunication, but I am the long-time customer, they should have taken care of me. 
Please look at my credit report. I have had impeccable credit forever. Why would I choose to not pay {$260.00} and mess up my great credit. I am credit worthy and because of XXXX of their sales reps, my credit score has dropped from the XXXX to the high XXXX. Being a XXXX, I know how important credit is, I would not jeopardize my credit if I owed this {$260.00} and chose not to pay it. Does not make any sense. 
I have clients that have had XXXX XXXX XXXX on their credit reports that they have refused to pay, now I know why. I would look at the amount and think why did n't they just pay them. It is the principle. I am now in that class.. 
Finally, I will attach a credit report from XXXX, stating they have removed this item from my credit report. Experian has chosen not to. I need Experian to remove this collection from my credit report. Please assist me in this matter. 
Thank you for your time, XXXX XXXX XXXX
I opened a credit card with Wells Fargo 8 months ago. This credit card offers zero percent for 15 months. I received a credit limit of {$7000.00} and I have used {$4600.00} of it. I have never been late. I have only been making my minimum payments because it is a zero percent credit card and I was not in a hurry to pay it off. I was focusing on other debt which does charge interest. Wells Fargo Lowered my credit line to {$4800.00} because I was only paying my minimum payment. I feel like this is very unfair because I have never been late and their decision to lower my credit will impact my FICO score negatively. I feel that they are judging me because I am a XXXX and automatically assume that I will be most likely to default and thats why they reduced my credit limit. I have banked with them for over twenty years and they see my transactions and my activity. There was no reason for them have lowered my credit limit.
I was a patient of XXXX XXXX XXXX for several years and received care on a monthly basis. We had a disagreement about the medications I wanted and they terminated me as a patient. Over the years, each month they would bill XXXX and my medical insurance and receive payment for their services. When they terminated me, somehow they decided to bill me direct. They should have billed XXXX and my medical insurance and they would have received payment. I sent them a letter informing them to bill XXXX and my medical insurance and gave them the appropriate information for this ( see attached ). 
I should n't have to pay them for a mistake they made!
XXXX XXXX XXXX XXXX sold my loan to The Money Source XXXX with XXXX  acting as nominee for XXXX XXXX XXXX. The assignment of my mortgage validating the sale of my loan and ownership was signed by XXXX XXXX assistant secretary of XXXX and notarized by XXXX XXXX. The assignment of my mortgage states XXXX XXXX appeared before XXXX XXXX, known to be the assistant secretary of XXXX  which is a fraudulent statement. XXXX XXXX is the Vice President - Legal and Compliance at The Money Source XXXXXXXX and XXXX XXXX  is the receptionist for The Money Source XXXX  The transfer of my mortgage was done fraudulently and The Money Source XXXX has no legal ground to foreclose or take my home when the assignment used to acquire my property was not done according to federal regulations. The Money Source should be sued and fined for the mishandling of my mortgage and I'm sure many others.
My credit limit on XXXX credit cards with Synchrony were lowered due to a credit bureau pull they completed to under the amount owed or at the amount owed. This was a XXXX card and a XXXX card only that I applied for in order to help improve my credit. the XXXX card was lowered to XXXX and the XXXX card lowered to XXXX. They say it was due to items on my bureau? First, although they can adjust my limit at anytime per my agreement, I never authorized these bureau pulls. And since my husband and I gross over XXXX per year, and these were medical bills in dispute, when they are either paid or settled, will synchrony restore the prior limit? Also, how is this fair to consumers as now this has also lowered my credit score even more, as it now looks like the credit utilization for these accounts are at 100 % when before they were not. So they XXXX pull my bureaus and then also lower my score even more??? And these are on small cards? I could understand if we had a large reduction in income or debt owed with very high balances. But that is not the case. It was medical bills that were well under XXXX which is less than 2 % of our gross income?