WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to payoff my mortgage with ditech and was given a payoff amount that was good till XXXX. Mailed the payment in and it was drawn from my bank on the XXXX. Recieved a call saying payment was not received till the XXXX and that I owed another XXXX. I have called 12 times and have been given different answers from different representatives. I have spoken with a few supervisors that have told me they did receive the payment on the XXXX and would take care of it. They all say that they will send an email to the payoff dept. and that I am not allowed to talk to payoff dept. Recently received a letter stating that payoff was not enough and that I owed XXXX that needs to be payed by XXXX. Sent certified check XXXX next day with confirmation and they do n't have record of it. Received a new statement saying I owe XXXX so I called again. Same answers. They will send an email to payoff dept. I have payed what they told me by the dates required and I want this resolved with excess money returned. They have created a deceptive system because you ca n't get the correct answer from the dept. that should be answering your question.
I signed up for an XXXX XXXX XXXX XXXX card in late XXXX under the offer of XXXX bonus miles and {$100.00} statement credit. I was instantly approved. After the card arrived I noticed it was downgraded to the XXXX platinum plus instead of the XXXX signature of which I applied for. The platinum plus version has more rules and less benefits/rewards which I would have not applied for otherwise. 

Why the bait and switch Bank of America? If you could not approve me for the XXXX signature why not just deny my application instead of these tactics. All it does is frustrate the customer and make them not want to use BoA at all anymore. The XXXX signature and Platinum Plus are different products with different rates, fees, benefits, terms.
I graduated from XXXX XXXX University in 2012, but prior to my enrollment there I attended for for profit vocational school, XXXX XXXX ( XXXX, Az ). During this time I accrued private student loan debt which was held in forbearance while I attend school. Upon graduation I consolidated my federal loans into XXXX, and have regularly made payments on an income based plan. When I graduated my cosigner was in bankruptcy thus resulting in me not having to pay on the private loan. I was never made aware that private loans could not be consolidated with my federal loans, and assumed I was managing my student loan debt as responsibly as I was able. This however changed when my cosigners bankruptcy ended and I was sent a bill for a payment I could not afford. 

Over the past XXXX months myself and my cosigner, my mother have made attempts to contact Navient to discuss repayment options, and have both been told that the only option I have is an " interest only '' repayment. This only lowered the payment by less than XXXX dollars and was still not affordable. I recently sent them a letter asking if other options had become available and was sent a letter back stating they will not discuss it in writing.
I have frequently requested to Kimball Tirey & City of XXXX XXXX, to provide me with an explanation of the amount they claim I owe, how that amount was calculated and account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well send me a continuing stream of collection letters. Please see attached.
EQUIFAX COMPLAINT : Complaint regarding dispute sent to Equifax regarding inaccurate status reporting on XXXX XXXX XXXX XXXX real estate account. 

1 ) Failure to review documented evidence to support the dispute claim which proved the account was never late during the disputed time period. 
2 ) Failure to respond to second dispute letter. 
3 ) Failure to record that the account was in dispute on the credit report within 30 days. 

Two Dispute letters were sent certified return receipt received XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
The following documentation was provided with the dispute indicating XXXX incorrect 30 day late payment status marks on my credit report : Copies of the XXXX Canceled Checks ( see the schedule of due date and canceled checks below ) Copy of driver 's license for identity purposes. 

Equifax reported 30 days late from XXXX XXXX Payment Due Date Date Check Posted Check # Amount Due Check Amount Paid XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$670.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$660.00} {$660.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} Total : XXXX {$9600.00} {$9700.00} Response : The response I received from the first dispute letter Equifax was that the status was " verified '' by the creditor and would remain on my credit report. A response was never received to date from the second dispute letter received XXXX XXXX, XXXX. Furthermore, a statement was never added on my credit report that the account was in dispute. Violation of FCRA 623 ( a ) ( c ) Impact : Inability to FHA streamline refinance for 13 months- cost in excess interest paid ( {$9100.00} ) Denial of Credit due to inaccurate delinquency reported. 

Resolution Requested : Equifax reported 30 days late from XXXX XXXX changed to a status of OK. 

Support Documentation Uploaded : XXXX Canceled Checks as listed above as proof the account was never late Dispute letters sent certified return receipt Time stamped copies of Equifax Credit Report Equifax Response to Letter # 1.
My loan was transferred by XXXX XXXX to XXXX on XX/XX/XXXX. I had a bi-weekly partial payment plan set up with XXXX XXXX to ensure a balanced budget, payments received before due date, and allowed for a few extra principal payments a couple times a year towards the principal. Our monthly mortgage payment is {$460.00}, I set up Electronic Transfers directly from my bank to XXXX for {$230.00} on a bi-weekly basis. Those payments have gone into a unapplied funds account until they receive the total, which they then reverse and apply to the monthly mortgage. They told me they will not continue and that they will reject the payment from my bank. A supervisor told me that I needed to send a full payment once a month, that I should transfer money to a different account and then send them the monthly payment when it is due. He continued to tell me that I am not making the monthly mortgage payment because they only receive partial payments. I had this set up because I am currently going through XXXX XXXX and treatments. I do not have to physically make sure the bill is paid. I have been doing this with XXXX XXXX for the last year-and-a half. For example : my bank withdrew {$230.00} on XX/XX/XXXX and will withdraw {$230.00} on XX/XX/XXXX, both of these amounts are towards the mortgage payment of {$460.00} due on XX/XX/XXXX.
Chase Bank has a fraudulent credit card listed in my name. I have sent them several letters and a copy of my identity theft report from the police in my city. They are trying to hold me liable for this debt that I had no part in creating.
Dear sir/madam I had a credit card account with CHASE BANK, Due to some personal issue I was unable to make my payment for some time but later in the year XXXX a collection agency sent me a letter on behalf CHASE BANK, The collection agency stated that they going to let me pay half of the credit card debt and also the account will be taken of my credit report. I paid the debt but until now CHASE BANK still have it on my credit report that I am still owing the debt. This XXXX XXXX as I tried to apply for credit card, there I found out that CHASE BANK still have it note on my credit report that I am still owing them debt I already paid. I attached a copy of the letter sent to me from CHASE BANK after I applied for a credit from chase this XXXX XXXX and a copy of the note on my credit report regarding the payment.
Recently while conducting a monitor of my credit report I discovered that Meade & Associates has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Meade & Associates but I am unaware of the amount due and your bill does not include a breakdown of any fees.Additionally, I am allowed under the XXXX law [ XXXX 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to Meade & Associates to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more than Meade & Associates is to only be revealed with the patients authorization, therefore my request is XXXX fold and as follows, Validation of Debt, and XXXX authorization
My mortgage is currently being serviced by Select Portfolio Servicing ( SPS ). In XX/XX/2018 I changed homeowners insurance companies & submitted the info to SPS for processing because I have an escrow account. It later came to my attention that I did not have adequate coverage & was forced to cancel the policy obtained XX/XX/2018 & secure a new policy on XX/XX/2018 with XXXX. I received a letter from SPS dated XX/XX/2018 stating my mortgage payment would change from {$1200.00} per month to {$1400.00} per month beginning XX/XX/2018. I contacted SPS on XX/XX/2018 & the first representative placed me on hold for over 15 minutes because she did not understand how to review my account & had to seek assistance from a supervisor. I then called back & spoke with XXXX. I inquired as to whether SPS had received the refund from XXXX XXXX XXXX because an analysis had been completed on my mortgage. XXXX informed me that there was no record that XXXX had received the refund from XXXX XXXX XXXX. I then inquired as to why an analysis had been completed on my mortgage & I just cancelled the policy with XXXX XXXX XXXX on XX/XX/2018 ( not even 2 weeks had passed ) & was waiting for the refund to be issued. XXXX told me that an analysis is completed at the same time every year. I explained that the only reason why an analysis would be warranted at this time is because I had to switch insurance companies again. My complaint is that SPS business practices are flawed in that they did not allow adequate time for my escrow account to be refunded before conducting another analysis. The difference between my cancelled policy with XXXX XXXX XXXX & my new policy with XXXX is approximately {$300.00} +/-. This difference should not increase my mortgage over {$200.00} per month as stated in SPS most recent analysis on XX/XX/2018.
I send money to my personal bank of communication account, XXXX, and you send a email shows that was successful, and I will got it at XX/XX/XXXX, but until now I did n't got it.and I also checked my citiprepaid account, this money also did n't return back, so where is the money?
I am XXXX XXXX XXXX and a few months ago went to open my first checking account with Chase Bank at XXXX XXXX XXXX XXXX, XXXX AZ XXXX. Everything was going fine. I had not overdrawn my account or did anything that I know of that was wrong. I was in a car accident and received an {$8000.00} check from an insurance company, which I deposited into my account. Part of this money was to go back to my parents to pay medical bills and other costs relating to my accident. The bank said there would be a 10 day hold on the check after which I would have access to it. The next day I tried to log on to online banking and was unable to do so because my password would not work. I called the bank and they said that they closed my account. They would not give me anymore information. That day I went into my bank and talked to a live person, who said the same thing, which was they could n't tell me why. I was concerned about the {$8000.00} deposit I had just made and the banker reassured me that they would be mailing me a cashier 's check for the money that was in my account in 10 days. That has not happened. My mother and I called Chase again asking about my money that they have been holding for over 2 weeks and also for an explanation as to why they closed my account. They still did not have any information or would not tell us anything. My parents are being harrassed by XXXX different medical facilities who are demanding payment from my accident. They can not pay them until I get MY money back from Chase. Can this possibly be legal? How can it take so long for them to give me my money back. I should have gotten it back the minute they closed my account. I ca n't afford an attorney but I need some help from someone who knows this kind of thing. The car accident I was in was not my fault. I was banged up pretty bad but the worst part was my car was totaled. I had it for one year and had been fixing it up the whole time. The car was finally perfect and I got to enjoy it for 8 months before a bad driver smashed it up. I was very stressed and sad for 2 months. I finally got some money for my " inconvenience '' from the other insurance company, which made me happy. I deposited this into my Chase account. After paying my medical bills, I was going to get to keep the rest of the money. I thought I would now be able to put the memories of my bad car accident behind me and move on. But, Chase Bank is preventing me from doing just that. Chase Bank is now causing me and my family a lot of stress all over again. I talked to another banker where I opened my new account and asked them how this could happen. They said usually there are XXXX reasons a bank will close someone 's account. Fraud or not getting along with the customer. I certainly have n't committed any fraud and I have never set foot into Chase Bank except for the day XXXX opened my account several months ago and again several weeks ago to inquire about my account getting closed. So, I never interacted with anyone that could say they found me hard to get along with. Please check into this for me. Thank you for your help.
I recently came into some money that would give me the ability to pay off some of my student loan debt. I have XXXX loans serviced by XXXX, the lender is JP Morgan Chase. I had already talked to a different lender about reducing the interest on another loan so I could pay it off with no problems. When I called XXXX, they informed me that they could not negotiate interest on the loan that I would have to call the lender. When I called the lender they said they no longer do student loans and I would have to talk with XXXX. I tried to explain the XXXX directed me to them since they were my lender but they said they no longer have a department that can help with student loan questions. I understand that it is a long shoot when trying to negotiate a pay off amount but it is very frustrating when I cant even talk with my lender about my account.
When I left my last employer, my 401k account had been transferred to Wells Fargo. I had no idea that it had been transferred to Wells Fargo until I called the original company that was managing it because their statement had fees and I wanted to know more about the fees. 

After getting in touch with Wells Fargo, I instructed them to close the account and send me the funds in the account. I had barely {$200.00} in that account and I was being charged the equivalent of about XXXX % every quarter. When I made my request over the phone, I was instructed to prepare a written request, fill out a several page form and even get one of the documents notarized! I have never had to do so much work to get my own money back. 

They were clearly doing everything possible to make it hard for me to obtain my funds. To give some perspective, I was laid off from a job in XX/XX/XXXX, where I had a 401k balance of about {$85000.00} that was managed by a more reputable and friendly firm. I only had to log into my 401k account online and make a request. Within one week, I was mailed a check for the entire amount. No questions, no written requests, no documents to get notarized. 

After I went through all this trouble, I received my check in the mail and observed that I had been charged the equivalent of about XXXX % of my balance! There was not statement, no explanation, just a check for about XXXX % of my balance. To say that I am livid is an understatement. This is abuse, and this is coming on the heels of Wells Fargo being issued fines by your very agency for shady behavior. Well it seems that they are still up to no good, abusing customers and squeezing us for fees wherever possible. 

I am fortunate that I am not in a financial situation to be impacted by this behavior, but many Americans do not enjoy my position, and these outrageous and what SHOULD be illegal fees must be addressed. 

I would very much like you to go back to Wells Fargo and investigate their practices with respect to managing ( or fee farming ) 401k accounts. Your assistance would be greatly appreciated. Americans work too hard for their money to be treated this way.
Re : CFPB # XXXX Dated : XX/XX/2018 CFPB # XXXX Dated : XX/XX/2018 To Whom It May Concern : Please note that I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act. The FCRA requires you to verify the validity of the item ( s ) within 30 days. If the validity can not be verified, you are obligated by law to remove the item ( s ). It has now been more than 30 days, And I have not received any proof that your company validated the debt. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.
The mortgagors fell behind on the mortgage because of a decrease in income and medical problems. The mortgagor 's income has increased and the medical problems are under control and they feel with the assistance from the lender, they would be able to manage the mortgage. The mortgagors submitted a modification package to the lender, but during the process a foreclosure letter was issued. The mortgagors have been in constant communication with the lender and are not sure why the file was referred out for foreclosure and would appreciate any assistance to stop the pending foreclosure allowing them to continue making their payments and keep their home.
A few months ago I discovered that this company was reporting a collection on my credit report. I disputed the collection with the credit bureaus, but it came back as " verified ''. I then sent this company a request for validation and they ignored my request. It is my understanding that FCRA requires that a collection agency contact a consumer and give us 30 days to contest a debt prior to them placing the debt on a credit report. This was not done. Neither did they respond to my request for validation of the account.
On XX/XX/XXXX my house was struck by lightening and hail that seriously damaged my roof, sidings, ceilings and electrical components of my air condition unit. I filed a claim the same day with the insurance company ( XXXX XXXX XXXX ). It took till XX/XX/XXXX for the insurance company to send a check of {$11000.00} as their final offer made payable to my mortgage company XXXX Midland Mortgage XXXX. Midland sent me the check on XX/XX/XXXX to endorse which I did the following day and sent back to them. My XXXX estimate was {$12000.00} after shopping around was the lowest with same warrantee. I have fixed the air condition at cost of {$4800.00} with my own money because I could no longer wait for them due to the heat.I continued to call and write midland mortgage for the insurance check, they will tell me bring this document next time another, eventually XX/XX/XXXX they acknowledged that all documents are complete. It took till XX/XX/XXXX to send me {$2800.00} after many calls and emails to start work which the XXXX refused as inadequate to do anything. I contacted Midland and they told the XXXX to send payment schedule which he did XXXX start XX/XX/XXXX - XX/XX/XXXX XXXX half at start and balance at finish. As at today XX/XX/XXXX, I have not received a dime, I call and send email every other day, is XXXX excuse after the other. I can not get a reason why they are holding the money but I am paying {$2000.00} a month. At this point my roof is about to collapse and the hurricane wind in XXXX did not help. When I ask to speak to a supervisor they will put me on hold and the same person comes back and claim to be a supervisor that is when I started to record them which I informed them but that did not stop the shady practice. I bought this house XXXX years ago, the horror I have had with midland mortgage is beyond XXXX dishonesty and deceit is almost criminal at best.They never acknowledge or respond to letters that is why I only send emails for documentation.I paid for the insurance and I am not asking for a hand out plus they are not paying interest on the money.When I contacted XXXX Adjusting, they told me there is nothing they can do for me and would not give clear reason why they send the check to XXXX mortgage except that is there contract with XXXX XXXX want my house to habitable before XXXX XXXX XXXX enforcement unit steps in which will be troublesome.
On XX/XX/XXXX, my wife and I sent investigation requests to XXXX and Trans Union.  They were supposed to respond within 30 days. We they did not, we filed complaints with your organization. XXXX and Trans Union finally sent her copies of her investigation results, but I have yet to receive mine. I just don't understand what could be taking so long.