WillisBack/dataset-financial-user-claim huggingface dataset:
I withdrew about $ XXXX from my Coinbase account via wire transfer on XX/XX/XXXX. The funds never arrived in my account. It is now XX/XX/XXXX. The funds were supposed to arrive in 3-5 business days according to Coinbase. The transaction shows as complete despite never receiving the funds. I wrote to customer support on several occasions only to receive an automated email response. 

Additionally, I lost .XXXX litecoin on a transfer because i mistakenly used my bitcoin wallet address. If the address was invalid, why wouldnt their protocols identify and disallow that? So where did my coins go? They just disappear?? How is that possible when every transaction and custody of every coin is recorded in the blockchain, a distributed ledger.
Conn 's Home Plus contacts me via XXXX phone calls per day to collect the monthly charges if I 'm late paying them. They give an XXXX grace period to pay pass the due date but they will still call during that time.
I have received multiple phone calls over a 2 year period of time from callers who claim they work for Allied Interstate.I assume this is a debt collection agency, but do not know this for fact. The names of callers are XXXX XXXX and XXXX. The phone number on caller id from these callers is XXXX.They ask for a person by the name of XXXX XXXX . ( I do not know if the spelling is correct here. ) This person DOES NOT live at my house and I DO NOT know her or anyone who has a name remotely close to this. I continually tell the callers to stop calling MY phone number for this person as she does not live here, nor do I know her. They continually tell me my phone number has been removed from their information, however, a month or 2 later, they call AGAIN! Please consider this as a formal complaint against Allied Interstate for harassment as they are calling my phone number for a person who is not associated with this number, nor does she live here, and I do NOT KNOW her. I know the debt Allied Interstate is trying to collect is NOT MINE because my name is NOT XXXX! I PAY my own bills regularly and on time. I do not wish to be harassed by debt collectors looking for someone I do not know. They said the phone call is recorded, so maybe you can get their records and verify that I have asked them multiple times to stop calling my phone number. The most recent phone call was XXXX/XXXX/15 at XXXX Central time.
I want to get a perfect credit score so I want to know the credit bureaus ' formulas. I have a lower credit score because they wo n't tell me what the formula is.
I received a cc statement on XXXX XXXX. Therefore, I made the {$290.00} payment on XXXX XXXX, which was due XXXX XXXX. Fidelity charged me a {$25.00} late fee because they said I can not make a payment the same day I receive a statement. Therefore, they said, I would have to make another payment of {$280.00}. In essence, I had to make XXXX payments in the same month. They refunded me the XXXX payment, but then, they told me, I would have to resend the same payment back in. Then, in for the XXXX XXXX statement, they increased my minimum payment, even though my balance was lower.
I applied for a forebearance with my loan servicer Nelnet. I was granted the forebearance from XX/XX/XXXX- XX/XX/XXXX. I was granted an Administrative forebearance for XX/XX/XXXX-XX/XX/XXXX. My accounts show no past due payments. My accounts have been in forbearance off and on a few years. Nelnet is reporting my student loans as 90 days past due in XXXX XXXX and 120 days past due in XXXX XXXX. They are refusing to update my credit report despite granting a forbearance. They are refusing to provide written documentation on company letter head stating my accounts were in forbearance from XX/XX/XXXX- XX/XX/XXXX. They have provided documentation for XX/XX/XXXX- XX/XX/XXXX verifying my accounts are in forbearance. I 've repeatedly asked for this document. I was sent conformation in the form of an email directly from their company email address. They are denying their employee sent this, even after offering to provide proof. They will agree to verbally tell any lenders that my accounts were in forbearance during the months of XX/XX/XXXX- XX/XX/XXXX with my permission. Their verbal conformation does not fix the adverse effect that their false reporting is having on my credit score. This has caused request for credit, mortgage loans, and auto loans to be denied or calculated at a signifigantly higher interest rate. They have verified this false reporting when disputed with XXXX, XXXX, and XXXX. This is against the FCRA laws.
I had water damage to my property and the insurance company sent me a check for repairs which had to be endorsed by Nationstar and myself. I mailed the check to them immediately and did not receive it back until almost 2 weeks later. they claimed the check was mailed on XX/XX/XXXX when the envelope states XX/XX/XXXX. then they stated in a letter to me ( see all attachments ) that if I did not return the certification document and copy of insurance adjuster 's report within 15 days they would put all additional funds into a restricted escrow account when I do n't even have an escrow account with them. Both documents were faxed to them twice and when I called they claimed they did not receive them. I have a receipt from the fax that they were received by Nationstar.
Account # XXXX with XXXX is showing late XXXX, and XXXX even though I paid them off on XX/XX/XXXX. I spoke to the manager at XXXX XXXX and the problem has not been resolved.
My home was foreclosed on by M & T Bank on the following date, XX/XX/XXXX. This was after a six year process with both M & T Bank ( the current holder of the mortgage loan ) and Hudson City Savings Bank ( which merged with M & T Bank in XX/XX/XXXX) submitting multiple loan modifications. I received via regular postal mail on XX/XX/XXXX the 'Notice of Demand Of Possession ' attached in this compliant - three notices total as you will find addressed to XXXX XXXX , XXXX XXXX , and Tenant/Occupant. Within these letters, both M & T Bank and M & T Bank 's legal counsel ( XXXX XXXX XXXX XXXX ) included incorrect and carelessly exposed information on the following : a ) The property listed as : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is listed on two of the three documents sent. This is not the correct property associated with this case and sensitive matter. This is a breach of privacy and a violation of bank privacy laws ( federal and state ) against both myself and my spouse ( XXXX XXXX ), as well as the residents of the above stated property which was carelessly exposed. b ) The date of Sheriff Sale is incorrect on all three documents. XX/XX/XXXX on two of the documents, and XX/XX/XXXX on the other are all incorrect. My expectation at this time is that M & T Bank will conduct a full internal self investigation on this entire case ( File # XXXX, Loan # XXXX ) and the CFPB will act as the liaison. Sincerely, XXXX XXXX
I forgot to attached the PDF Forms to my dispute to the response given by Nationstar Mortgage to my complaint case # XXXX. The PDF referenced RMA Forms. The RMA Form Nationstar sent me to fill out is fake. Is a fake Form to deceive me to request for assistance I did not ask for. So I am going to attach the REAL FORM AND THE FAKE FORM here. Pay attention to page 2. These attachments are for Nationstar Mortgage PLC. Thanks
I have been the victim of identity theft fraud for more than 4 years. I have filed numerous complaints with Equifax to no avail. I have submitted fraud affidavits, consumer statements and proof of fraud, yet they continue to not accurately investigate my accounts, remove erroneous information and update my reports with the information provided. 

I contacted the office of the president for Equifax and they stated that " Another department handles these types of complaints and that my case had been closed out due to lack of provided information. I furnished Equifax with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

The representative went on to state that " I would have to file another complaint with Consumer Financial Protection. '' I need help in resolving this issue asap.
On XX/XX/XXXX, I deposited a {$1300.00} LOAN check received from XXXX XXXX XXXX XXXX TX location. I made inquiries about the possibility of paying the loan off early and whether there were penalties. The representative stated there were no early pay off penalties and if I decided to pay the loan off early, I would only be charged interest up to that date on the balance of the loan amount. This sounded legitimate and I proceeded to deposit the check.

Each month I hand deliver a money order to the local office. On XX/XX/XXXX I was three payments in, and I called the company to get a payoff figure for my account. I was told if I paid the account off on that day, I would owe {$1300.00}. This amount was more than the amount I borrowed, and this triggered concern and prompted more investigation. I further asked her how my payments were being allocated. She stated that of my {$110.00} payment, {$57.00} was being paid toward interest, and {$56.00} was being made toward the principle. This indicated my payment was being split nearly in half.

I never received an amortization schedule or payment allocation notice about how my payments will be allocated from XXXX XXXX. According to the promotional material/contract, all the terms were included in this one document. I initially understood that I was accepting a loan for {$1300.00} with a 63.78 % per annum interest rate.

The Payment Schedule description defines 18 payments of {$110.00} each month beginning one month after the check is paid detailed in the Truth In Lending Disclosure Statement ( TILDS ) on the front of the promo contract.

To date, I have made 5 payments as of XX/XX/XXXXtotaling {$560.00} where not even half has gone toward principal. I am being charged nearly 50 % with each payment, and still being charged on the TOTAL of payments outlined in the TILDS. The Total of Payments clearly states The amount I will have paid after I have made all scheduled payments. Which I interpreted to mean only if I stick to the payment schedule until the end of the loan period of 18 months.

I would have NEVER agreed to accept a loan that would charge me 50 % of each payment on top of 63.78 % annually.

I believe that XXXX XXXX  intentionally neglected to explain clearly the terms in their promotional contract or further confirm the conditions by following up with a written document that provided an official amortized schedule. I believe this to be predatory lending practices. I believe they intentionally overcharging consumers and being deceptive and ambiguous with their language.

I have attached a copy of the promotional document that was attached to the {$1300.00} check, the last/most recent payment receipt showing payment/balance, and the amortized schedule that my attorney friend provided during our consultation.
the ins funds and funds from the trustee are not being posted to my account while i have completed the forms nation star has requested me to complete to have the funds posted. i requested a payoff and the amount i was a fraud amount the pay off is showing XXXX i was told they would not post the funds to my account at all that they would use these funds for other charges .. there are no other charges on this account as the entire amount was in bk XXXX from spring leaf
Processed my monthly rent payment as always with an electronic funds transfer. Was notified by my property manager that the payment failed, which was odd because there was plenty of funds in the account, and I had heard nothing from my bank, so I assumed there had been a mistake. I retried the payment, and found out days later that the bank again failed to process the payment despite they're being adequate funds in my account. As a result I have been charged the following in addition to my regular rent payment : Late Fee for XX/XX/XXXXDue on XX/XX/ {$56.00} NSF Fee -1st NSF fee for Rejected ACH XX/XX/XXXXRent Due onXX/XX/XXXX {$25.00} 3 Day Notice Posted on XX/XX/ Due on XX/XX/ {$55.00} 2nd NSF fee for Rejected ACH XXXX Rent Due on XX/XX/ {$35.00} 3 Day Notice Posted on XX/XX/ Due on XX/XX/ {$55.00} Chase has the ability to contact me via call, text, mail, or email and they do so regularly all the time with each method. I was not imformed by chase that they had changed their policy and were no longer allowing my account to pay bills via ach/electronic check as I have been doing for years, and gave me no notice that they had not funded my rent payment. 

This violates SECTION 1005.7 ( a ) 5
I had submitted an application for a residential mortgage in the beginning of XXXX. I promptly replied to all requests for information. The loan was scheduled to close in XXXX and never did. I continued to receive requests for information that I again promptly replied to. This continued until XXXX when the loan was schedule to close. Ten days prior to closing the amount I intended to borrow was reduced. We were so far along in the process I agreed to the reduced amount. I asked several times for a closing sheet and did not receive it until the day of closing just a few hours before we were scheduled to close. The loan was supposed to not have any origination fees. Upon reviewing the closing document they had included a substantial origination fee. I have owned my home for over 20 years and refinanced several times. I have never encountered anything like this. I feel I was taken advantage of and I was not able to close. I am going thru a divorce and I was looking to refinance in an effort to buy my wife 's share of our marital residence. This has created a tremendous amount of stress around and already extremely stressful situation. As a result of the delay the rates have gone up which will result in a substantially higher monthly payment. Any help would be greatly appreciated. 
Thank you in advance for your assistance. XXXX XXXX
Called to collect on a debt from 2006 that I have no remembrence on for a credit card from XXXX XXXX XXXX Bank which according to the internet is no longer in business. Offered to do a XXXX settlement if I paid today for {$500.00} odd dollards instead of over {$1500.00}. When I asked for validation documents they said they would send and then hung up on me. I called them back to get the name of the company calling, etc - it sounded something like XXXX or Unifen- and the representative refused to spell the name when I asked for clarification. They asked me to confirm the last XXXX digits of my social which they had and I refused. When I kept pressing and calling back, representatives would hang up on me or put me on hold and never come back on the line. They could tell who I was by my phone number on their caller ID so they also had that on file as well as my birth date. The number they called from was XXXX and said it was case XXXX. I have been getting at least one call a week for the last year from companies trying to collect on debts that are no longer valid. I am constantly monitoring my credit report and this particular company indicated they would remove this debt from my credit report but it does not show.
Contacted Freedom Mortgage to remedy late payments due to unforeseen Bed Bud infestation. Placing us behind on our mortgage. We had to replace all of our belongings and paid for extermination in XXXX of XXXX. Began mitigation process only to be told documents had not been received, were incorrect, or unable to open, or wrong document form after being told not received. XX/XX/XXXX Contacted Freedom Mortgage to make a payment and seek council on statues of our account. Was told and reiterated back that we were only 90days past due because a payment had been posted on XX/XX/XXXX. Called back on XX/XX/XXXX to make a payment all the while still trying to send documents as requested, still another excuse as to why not received. I told them I could forward the emails from previous send. Only to be told they didn't have them. Operator than told us payment couldn't be accepted because our account was 130 days delinquent. I was told they couldn't help me. I should keep better records of when payments were posted. Called back on XX/XX/XXXX spoke to XXXX # XXXX to be told our paper work was received we are in foreclosure and could not take any payments and would submit an investigation on said phone call from the XXXX and a supervisor would review. Called back on XX/XX/XXXX to speak with XXXX # XXXX to find out she too couldn't help us at all had no record of any of this and we would have to wait 24 to 48 hours after she would request a supervisor to contact us. Then put us on hold to see if a supervisor was available only to be told no we would have to wait. and now that it was in foreclosure it was out of her hands. Previous calls were filled with similar instances, however I didn't not operator until most recently. We were told '' this happens all the time and sorry ''. '' Sorry it's not our problem, you should rely on our word and keep better record '' " If you email something or fax it to call in immediately after because they frequently don't check email and so many people send them they cant keep track '' " Dont call after you send we wont actually see your paperwork for 2 to 3 days '' '' Don't worry about getting your paper work in your account is on hold " " Dont concern yourself with mitigation its best to just keep making payments '' " Sorry we don't take payments less than the full amount of the mortgage '' " It depends who you talk to some people will take partial payments and place it in a hold account '' " There is no way to accept a payment unless it's the full amount '' We received your payment '' " We have no record of your payment '' '' We have no record of mitigation paper work request " We already sent you the paper work for mitigation " " It's not our responsibility to notify you of the amount past due '' " All calls are recorded '' " Actually all calls are not recorded '' " We can't possibly review all of our calls or call record '' " Yes, I see you call 3 times on that day with detail of operator numbers spoken to and times "
My mortgage, held with XXXX XXXX Mortgage, was transferred to LoanCare, a mortgage service company, a few months ago. When transferred I was assured that nothing would change, and my payments would remain the same, unless of course, there was an increase in other areas such as property taxes or escrow. 

There was never a fee charged by XXXX XXXX unless there was a late payment, after the 15th of the month, which would be considered late, and which I understood. I had been making my payments on time, via bank transfer, to XXXX XXXX and similarly each month to LoanCare, on or before the 16 of the month. This payment timing was good for me because, as a senior citizen, receiving my social security ( SS ), my deposits are deposited the second XXXX of each month, which always falls before the XXXX. Please see my bank statement attached. 

I made my set payments on time each month to LoanCare. Nothing was changed with my payment to LoanCare until this month when, to my surprise, I noticed an additional payment of {$10.00}, labeled as a one-time payment fee, a fee that was never charged before, not even by XXXX XXXX. I was not informed of this fee until I logged on today, XXXX XXXX, to make my monthly payment, after my SS was deposited, and I have never been late. I believe that my payment falls on or before the due date and I should not be charged a fee. Here is their draft fee schedule, which surely appears to be a late-fee schedule disguised as a draft-fee schedule : " One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} '' I have since sent a request to have this fee removed from my mortgage payment. I have no control over when my SS is deposited and this is the only money I use to pay my mortgage. A bank draft is also the only way I have paid my mortgage, and given the time of my SS deposit, this would be the only method I use to pay it, so tacking on a draft fee is unfair. 

As a senior citizen, I think this service is taking away from my earnings and I think it unfair to me, since I was never asked to pay a draft fee before, nor had been informed of one being added. {$120.00} a year for future monthly draft fees was nothing I had agreed to when the mortgage service was transferred. 

As a senior citizen I do hope that CFPB will assist me in having this monthly fee removed, and I can continue to pay my mortgage using the method and time I have been accustomed to. 

Thank you for your assistance.
I checked my personal credit which I acquired from Equifax on XXXX and I noticed several unauthorized inquiries had been made. On XXXX at XXXX I request for the following inquiries be removed : XXXX ( XX/XX/XXXX ) XXXX Bank ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX of XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I was informed by the agent that the dispute would start and I should have results within 30 days. Today is XX/XX/XXXX only 9 days from when this dispute was started. I called into Equifax and spoke with an agent on XXXX @ XXXX he proceeds to tell me that they had proof of those inquiries listed but no information was sent to me. I would like to have a description of their investigation if the referenced above inquiries are valid. They have n't sent me no documentation stating that I made the following inquires. If no valid information can be sent to me showing that I made those following inquires I would like them deleted off my credit report.
Ocwen has been misapplying my mortgage payments and then claiming that I am not making my payments, and, as such, have been notified of possible default. In XXXX 2015, they applied my mortgage payment to an escrow account to cover property taxes and homeowner 's insurance even though I was making timely payments and my account was not impounded. The biweekly program I have ( XXXX ) had a conference call with me and an Ocwen rep ; the XXXX rep told the Ocwen rep that they ( Ocwen ) had misapplied not only my funds, but also other customers '. This issue took many weeks to clear up, with almost daily phone calls from Ocwen. Recently, Ocwen took one of my mortgage payments to pay my homeowner 's insurance, even though I was paying it. XXXX has no record of having received such payment. Now, I find out that Ocwen returned my mortgage payment that had been sent by XXXX back to XXXX. I only found out because XXXX sent me a courtesy letter explaining that they had sent back the check to Ocwen. According to Ocwen, I am " behind '' two payments. This is the result of their error, not through any fault of mine. Also, approximately three weeks ago, i got a call from an Ocwen rep at XXXX XXXX. When I notified her of the time, she dismissed my complaint.
I just received an alert showing a hard inquiry from XXXX XXXX XXXX XXXX XXXX that I do not recognize or have authorise. Please correct. Creditor Name : XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XXXX XXXX Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.