WillisBack/dataset-financial-user-claim huggingface dataset:
I have several issues with  PHH  XXXX   XXXX . I have requested my  XXXX  for fiscal year  XXXX  and have not received a copy needed to report my taxes. They will not post the documents on the online system neither will they provide the information on line. When I contacted them for the documents they stated that because I am in litigation with them they have to go through their attorneys to process the request. This has resulted in me being late filing my taxes and subject to late fees and penalties with IRS.     In addition, the litigation has been going since the beginning of  XXXX  and I can not get them to address my complaint about the failure for them to post my mortgage payments and interest correctly while in bankruptcy. At the beginning of bankruptcy, I owed them $  XXXX  and at the end of bankruptcy, I owed them $  XXXX  plus an additional  XXXX  for other fees. The payments made are not properly reflected over the time period.     The agreement we made under the bankruptcy was to pay {$2900.00} months during the bankruptcy period to cover what I owed. However the payment history reflected an amount of {$3500.00} being constantly billed to my account. If this is the amount that I should have been paying then why did they make the agreement in court that the amount of {$2900.00} would satisfy my loan.     No principal payments were posted in  XXXX  and  XXXX  ... .the {$2900.00} is not reflected in the totals of the escrow and interest amounts. Where is this money reflected in payment history!!!!!!     The next issue is that the principal balance as of  XXXX / XXXX / XXXX  was {$340000.00}. Then the payment history for  XXXX  show a balance of {$400000.00} but they send a document wanting me to sign saying we owe $  XXXX . So, they are not holding to the agreement that our {$2900.00} payments are satisfying the loan. They have increased the interest under their agreement and not letting us know that the amount has increased and we need to make the {$3500.00} payment. They have breached their contract of the {$2900.00}. Then they do n't give us documents to support the interest paid for IRS. requirements.     Their practices are not fair!!! and they do n't want to pay my attorney fee but provide me with  XXXX  that do n't meet the attorney fees and additional trustee fees, and IRS fees that I now owe due to them not settling the matter in adequate time.     Overtime they correct the payment history the amounts change to fit the bank. See all the documents that I have submitted with changes they posted to payment histories. Thanks.
Was charged for my American Express Platinum Business card {$450.00} for annual fee on XXXX/XXXX/2016. On XXXX/XXXX/2016 was card was cancelled by American Express. on XXXX/XXXX/2016 I called to see how to get the {$450.00} refunded since card was cancelled. Was told it would be credited back by the next business cycle. I now have been turned over to a collection agency for the {$450.00} plus XXXX late charges {$38.00} each. I have tried to dispute charges with collection agency however they stated they only take money and I would have to take up the issue with American Express. I have contacted American Express and get the run around and never get an answer. Yesterday, XXXX/XXXX/2016 I spoke to customer service and they stated another department cancelled the card therefore and they have no way of reversing the charge and am out of luck. 

I should not have to pay for the entire annual fee when I only received 11 days of the card benefit. Plus I was told that I would be credited back the fee on XXXX/XXXX/2016.
Hello This is XXXX XXXX I live at XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. In late XXXX of this year XXXX I bought into an affilliate marketing company called XXXX they are in XXXX. The comany marketing to me and I paid the initial fee of approx {$2900.00} for what I thought would be the training in the business. in the next few weeks after I first joined I was given a mentor/sponsor who then changed the plan for me ... he tood me that if I really wanted to be sucsessful in the business I would need to be " positioned high '' in the company. He said they would arrange to get me funded by a third party company that would apply for credit cards in my name. I had very good credit and I have always paid my bills on time all my life. I really trusted and believed I was getting a good opportunity to learn this new business. After I was funded the total charges were to be what i believed was {$28000.00} after my sponsor got all the credit card numbers he charged up nearly {$80000.00} for all the various fees and add on 's by the time I started getting the minimums due on the cards I realized I had been scammed. I was trying my best to learn the business but I got very little support and after 60 days I had spent all my savings.I contacted the comany XXXX and said I wanted to opt out and get a refund, but they didnt respond to me. By this time I was panicking and I contacted all the credit card companies that were used to fund this scam. Most of the 6 crdit card companies took my dispute and after about a months investigation the made charge backs to the cards for the charges. All expect " Bank of America '' they refused to look into 2 charges of {$6700.00} made to this MOBE company on XX/XX/XXXX they said that sisnce I signed a contract that there was nothing they could do. They said that it is master card rules that they follow and they cant even contact the recieving bank for this MOBE company. That surpized me becuase 2 other credit card companies that were master cards helped me get the charges removed. My compalint is with bank of America ... they did nothing to help me and now I have 2 charges of {$6700.00} that I dont have the money to pay ... This Mobe company makes false claims and omitted a lot of information and really took advantage of me ... charging me for many extraneous charges and add ons. My credit is now ruiued and I have been barly able to keep my head above water. Bank of America does not protect the consumer. They have a customer service number of XXXX XXXX XXXX My card numbers end in XXXX and XXXX I hope there is something you can do for me. I filed a complaint with the FTC about this MOBE company. 
Thank you, XXXX XXXX
To Whom It May Concern : I saw the news articles regarding the lawsuit again Navient. The issues outlined in the article are my exact experiences. 
-My payments were mis-allocated. I final caught on and now send a paper check and write which loan to put the payment on. I then have to check to make sure this actually happened correctly. It often does not. 
- I have tried to overpay several times and have been told I ca n't. They told me another payment is not due until next month. I have had to argue to overpay on my loans. 
- At one point, some of the loans were in deferment per my request. I was told there would be no penalty. I later found out that they were reporting the loans as missed payments which showed up on my credit, thus hurting my credit score. To this day, this issue affects the interest rate on my home mortgage. 

This company is infuriating, difficult to work with, and deceitful. I have all of my documentation at home. If there is a way to get involved, I would love to be included. I want to see some repercussions. For most of us coming out of college, we have never dealt with debt to this amount. It is a scary process. Being lied to has resulted in negative consequences that now affect me years later. 

XXXX XXXX
I requested a dispute with MIB about the information being reported by XXXX Insurance on my file. I explained to them that item is from XXXX, XXXX deletes that after 7 years, Normal credit reporting agencies delete info after 7 years. MIB states XXXX reported to them in XXXX, not my problem that is the date that they reported in on my file. Consumer Financial Protection laws protect comsumers from reaging information and it 's not even a debt, it 's information taken from my driving record which no longer appear on my driving record, that 's because dmv deletes it after 7 years, however MIB has n't deleted and it 's not A farmers insurance issue. it 's mib lack of understand of the fcra that i 'm protected under. 

i have attached the correspondence from XXXX as evidence that the incident is from XXXX and my current mvr that shows that incident is not longer on my driving record. I ask you once again MIB to delete those XXXX inaccurate items off my mib report. Again this is not an issue with XXXX Insurance, it 's an issue with MIB Reluctance to keep accurate information on my record.
Quicken Loans did not calculate our escrow correctly with our new home resulting in having to pay an unreasonable amount of money. After living in our home for the first year, QL sent us a check because we overpaid escrow. I called QL, and they assured me that it was my money to deposit into my bank account and do with what I pleased. Since the new escrow calculation, the amount the check was for is the amount I owe in escrow. They did not calculate our home with the land the last year which caused us to have to pay an unreasonable amount of money.
As we all know credit card company 's often incentivize there products by offering rewards. Well, we use ours often for purchases to get rewards, pay them off in 30 days etc. This month we purchased a long-arm quilting machine and is rd a card, which I have done many, many times to purchase. We got dinged XXXX points on f.i.c.o score even tho we received a " credit increase '' up to XXXX dollars by master card on this card because they said " you used your credit responsibly! The preveious month, XXXX dropped me because they said I did not use there card enough! 20 years with them! They dinged me for XXXX points! Well quess what, now my auto insurance, homeowners insurance went up substantially! My credit score has always been a source of pride for me and I guard it well. I have used my XXXX card in the past for XXXX or more and payed back in reasonable time without a " XXXX '' point hit! I have gone from low XXXX to low XXXX f.i.c.o. Score in two months for this! Why would a credit card company give me more credit if I was not worthy only to be dinged for using and paying it back in thirty days. I got XXXX in rewards from that credit card company that month, but my auto and homeowners policy went up almost XXXX a year! What in XXXX has changed. I 'm playing by the same rules I have played by fo fourty years now you damd if you use you credit card, and your damd if you do n't!!! Can you make sense of this for me. Regards, XXXX XXXX XXXX
In XXXX I began contacting CONNS in an attempt to resolve this issue. It took from XX/XX/XXXX until XX/XX/XXXX for my account to be found. At that time XXXX XXXX XXXX had acquired the account. They contacted me and we agreed on a settlement. I was to pay {$1000.00} immediately and then make two additional payments of {$550.00} on or about the XXXX of XXXX  and XXXX  of XXXX of XXXX. All payments were to be drafted from my checking account. I was told that before any payments were deducted from my checking account I would receive a written notice. I was told if I needed to change the arrangement that I could call and do so. In XXXX I called to notify XXXX XXXX XXXX that I would need to change the arrangements due to the recent death of my husband. I explained that I would have to make smaller payments. We agreed that 4 payments of XXXX would be made biweekly. This way I would pay off the account in the same time frame. I spoke with a supervisor named XXXX XXXX who assured me that the changes would be made. The changes were not made. I was told that someone filed the forms incorrectly and so the changes were not made, but that I would be reimbursed for all overdraft fees. Mr. XXXX gave me his email address and asked me to email him verification of the overdrafts and they would reimburse me since it was their error. I did receive the reimbursement, but the issue was still not corrected. In XXXX the same thing happened. The amount of {$550.00} was taken from my account again. I did not receive prior notice either. I called back and spoke with Mr. XXXX, but the issue was not resolved. They would not remove the account nor would they give me credit for the payments made because the first payment had to be reimbursed. As I explained to Mr. XXXX I could not pay more than what I had already been out of unless they were going to reimburse me the overdraft fees that I had incurred yet again. I was told that there was nothing that could be done. As a direct result of the errors made by XXXX XXXX XXXX my credit score dropped ( I was unable to pay other bills timely because the funds were not there ), I was evicted because I had to pay my rent late and I almost lost my vehicle ;
I bank with Eastwest bank in XXXX XXXX area. They hold my payroll check for two business day and everytime I explained to them it is my payroll check ( computer generated with paystub ) Eastwest bank ( serving majority of XXXX customers ) Eastwest bank still hold for two business day, treating me as new immigrants. 
Many times my checking account was insufficient fund for less than {$15.00} dollars, they inform me the situation by phone. The second I learn the news, I rush to the bank in less than 30 minutes and make a deposit in order for me to avoid a bounced check. But Eastwest bank still charge me {$30.00} for it. It have happened so many times.I do n't understand why Eastwest bank inform me and charge me $ XXXXdollars, every time I take one hour off my work with no pay to rush to Eastwest bank to make {$20.00} deposit and be charged for {$30.00} dollars. I prefer they charge me {$30.00} and do n't inform me my fund is insufficient.
Opened an account with Huntington National Bank this year. liked the sunday hours. foolishly took XXXX bad checks from a scammer promising a loan, totalling more than XXXX. which was charged to me once they were n't honored. XXXX Police have a report. Huntington put account under review. then today said bank is closing account. Real sympathetic, huh? Problem is my paycheck from XXXX XXXX was to deposit today. They told me I had a XXXX balance. and check would be sent back. in 2 or 3 business days. at which point employer could reissue paper check. that could take next all of next week. Meantime I have no money, no gas and I need groceries. I want my money. I do n't have any other money. I 'd get a payday loan, but I made a typo on account number at XXXX, and that got held up. ARGGGGH.
An individual who had access to my identity used my information to sign a lease with a company operating under XXXX XXXX XXXX XXXX ' in XXXX , XXXX . This individual signed my name and used my contact and SSN to sign a lease which he ended up forfeiting and leaving. The lease began around the time of XX/XX/XXXX and was sent to collection around XX/XX/XXXX. The amount accumulated and sent to collection was around {$16000.00}. I began receiving phone calls last year and told the collection agency ( IQ Data International ) that they had the wrong information. When I looked into my credit, I found the exact details and filed a dispute to argue the charges. I was advised to file a report with the FTC and a police report. I sent a notarized affidavit of fraud and my report to the collection agency, but they did nothing to remove the negative account. They sent me a letter with a copy of the signed lease agreement ( which was signed fraudulently ). I had sent them proof of utility bills addressed to me which show a different address during the time that lease was in progress. Yet, they have not done anything and refuse to cooperate.
Credit card companies continues to allow charges after filing a lost or stolen card. Credit card company say they have the right to continue to allow charges to go through well after the cancellation card has been placed. I believe I was misled by a particular credit card company as well as by others that when submitting a lost or stolen card they can allow charges on new card number. I contacted my credit card company and they state that this is a common practice. I believe that once you submit a lost and stolen card and get a new number no one else should be able to charge until you give them specific permission. I feel that the credit card companies are protecting the vendors/merchants, not protecting the consumer or card holders. I believe this is fraud on the part of the credit card companies to allow continued charges after card has been canceled due to lost or stolen circumstances. Credit card companies continue to collect interest and allow fees to continue in direct favor of the merchant/ vendor and credit card company. Regardless of their policy this is fraud. What protects me and my number from these activities?
I have checked my credit and notice incorect information being reported. I am not aware of any of these accounts being reported on my credit. I have been XXXX  in XXXX XXXX   for 12 years and while gone didn't give anyone access to any of my personal information. I also receive XXXX and don't use my credit for anything. 


below are fraudulent accounts being reporting in my name. 

EXPERIAN REPORT INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX   REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX  REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
I SEND {$220.00} to one of my family member in the XXXX XXXX on monday XX/XX/19 using the express service, i called Remitly 5 times to ask them why my money still frozen on their system, they told me that they will take care that problem in 4 hours on monday XX/XX/19, i called back again and they told me that the other parnert need a Id from my recipient and i did send it to them but no answers, my money still frozen in they system, i called them back again and they told me that they will contact their parnert again to see happens, no but answer yet. today is wednesday XX/XX/XXXXand no no call from remitly, no call from XXXX XXXX no email from nobody about my money.
Aurora Loan Services was the servicer of my loan in XXXX. XXXX XXXX purchased my loan from XXXX XXXX XXXX XXXX in XXXX. At the time this purchase was made, there was no assignment of the mortgage & or the note to XXXX XXXX or XXXX or Aurora in the county records. It is Florida state law that these records are to be recorded in the county records if transfer occurs of a loan. The mortgage and the note are to be kept together at all times. When Aurora purchased the loan from XXXX XXXX XXXX Mortgage, an assignment of mortgage mysteriously appeared which was predated back to XX/XX/XXXX. The assignment alleges that XXXX XXXX XXXX, XXXX F/K/A XXXX XXXX XXXX was the assignor and Mortgage XXXX, XXXX was the assignee. This document was not recorded in the XXXX County records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The document was recorded by Aurora Loan Services and prepared by a known robo-signing and false document mill by the name of XXXX XXXX. The document states that it should be returned to Aurora Loan Services after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to XXXX XXXX ( XXXX ) and the other belongs to Aurora Loan Services ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for Aurora Loan Services. At the time this document was prepared and signed, XXXX XXXX XXXX XXXX XXXX, had in fact been defunct for 2 years. When this document was recorded, XXXX aka Aurora Bank FSB fully purchased the loan from XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX and XXXX, llc have never been a member of XXXX and would not have had the authority or the membership to assign my mortgage to XXXX in XXXX. It is obvious that this is a fabricated document and there are XXXX DIFFERENT companies involved on XXXX assignment of mortgage. After this occurred the loan was securitized and there were several other servicers servicing the loan. Then, in XXXX XXXX BANK XXXX decided to buy the loan back and serviced the loan from XX/XX/XXXX to XX/XX/XXXX with a completely different loan number. In XXXX XXXX filed bankruptcy, so why the sudden interest in my loan? Aurora Bank FSB F/K/A XXXX bought back my loan from the trust and then sold the servicing rights only to Nationstar Mortgage, LLC so it could fund itself? XXXX governs the sale & securitization of a negotiable instrument. Once the asset is sold, the bank is no longer the REAL PARTY in interest. Aurora Bank FSB bought the mortgage and note XX/XX/XXXX. I have requested information from Aurora in a QWR and I have been refused the information.
Made an investigation with all major credit reporting companies about a Debt Buyer Company : XXXX XXXX XXXX which has no license as a debt collector in the XXXX of XXXX XXXX as per State Debt Collection Statutes and did not ERASE this debt collection information ; DECREE # XXXX LAW # XXXX of XX/XX/XXXX and Law # XXXX dated XX/XX/XXXX. 

Reporting companies are placing this information twice with the Original Creditor and also the non state compliance debt collector XXXX XXXXXXXX XXXX which has no license as a debt collector to the residents of the XXXX of XXXX XXXX THEY DO NOT MEET THE REQUIREMENT OF THE FEDERAL REPORTING CREDIT ACT
I listed a vehicle for sale on XXXX. I received a text from a potential buyer who offered full asking price. He sent me a check ( Insurance Company Check ) for {$11000.00} ( car sold for {$7000.00} ) and requested I send overage to the transport company account.
Bank of America accepted the deposit and made funds available immediately.
I transferred {$4300.00} ( I know feel stupid enough already ) to the transport persons account at Bank of America XXXX. 24 hours later BofA took the money out of my account due to fradulent check ( late found out altered ). I requested that they stop and return the funds I had transferred to the account in XXXX. They had the data, it was in the same time frame as when they removed the deposit from my account, yet they could not stop or refund my transfer. Two lessons learned here. 1. ) be more diligent in this kind of transaction and 2. ) do n't trust Bof A, all they give is lip service.
PS : Yes, there is an active case with Phoenix police, however, I do n't have any expectations of them finding and prosecuting anyone.
PPS : Have another sale of the vehicle that follows the same pattern, but BoA unable to work with me to track and try to catch these human slugs.