WillisBack/dataset-financial-user-claim huggingface dataset:
My car, a XXXX XXXX XXXX ( XXXX ) was paid off since XXXX this year to TD Bank. I make the call to receive the car title and they told me it was going to take a couple weeks to receive it. Since then, I have contacted the bank several times to get the car title but nobody told me that there was anything pending. They confirmed several times the vehicle was paid off but the title was just taking long. After months passed, we ( My Husband and I ) decided to sell the car and requested once more the title from the bank but this time they told us we have to pay the dealer fees that were pending. Never in the past had they communicated this to me, nor do they sent any papers about missing fees! I told them to send me a bill of the pending charges through mail or fax, they Bank told me they were going to do it, but never did. I have requested a couple more times to send me proof of the pending charges so I can make the payment but they havent provided any bill, statement, or proof that something is still remaining/pending on the car to this date. I am unable to sell my vehicle because the bank refuses to send me the car title even though it was already completely paid off. I have financed other car in the past and consulted with friends and family, but they have never heard of dealer fees being paid separately after the car was already paid. Bank hasn't sent any documentation at all so I'm unable to attach any. Also I am unable to access my online account because they closed it when the car was paid off ( last payment confirmation number : XXXX on XX/XX/2018 ).
I contacted the loan servicer of my {$680.00} XXXX loan to inquire about the option to rehabilitate my loan. i was advised I do not qualify for loan rehabilitation due to the dollar amount of the loan.. I then inquired about setting up a payment arrangement and was advised I do not qualify for a payment arrangement due to the dollar amount of the loan. I then confirmed with the rep that my only option was to pay the balance in full she responded that no that is not what she said my options were to pay in full or make payments online as I wish but that it would not be considered a payment arrangement.
I had residential mortgage loan with  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX .  XXXX . The  Loan h as been paid off as of  XXXX     2016. All  payments on the loan were made by automatic electronic payment system through my bank. No payments were ever late. However, in  XXXX     2016, f or unknown reason,  XXXX  returned  one paym ent, even though it was the same as every prior payment on the loan.  XXXX  then started charging late fees, and applying subsequent payments to that payment.     Upon learning such and speaking to  XXXX  representative, I made double payment. I also spoke to supervisor and upon sending in the bank record showing EVERY payment from my bank, the representative approved removing late charges.  XXXX , however, continues to list late payments on my credit report. It is adversely impacting my credit, and I am in process of applying for new loan.     I spoke with  XXXX  customer servic e 2 week s ago and was told they would respond in 10 days. No response has been forthcoming. I sent urgent email last week.     After years of similar payments by my bank,  XXXX  acted capriciously in rejecting my timely payment.  XXXX  once did acknowledge the error and removed the late charges.  XXXX , however, is not correcting the credit reporting on their error, and it is adversely impacting the credit of my report s (   XXXX   XXXX   XXXX   ) a nd my wife ' s reports (   XXXX   XXXX   XXXX   ).       XXXX  needs to remove adverse reporting on my credit on on my wife 's credit.
This morning XX/XX/2016 I received a phone call during my working hours by a collection company call Quality Recovery Service, Inc My boss told the woman that was in classroom with my students and could she take a message. The woman said no because I really need to speak to her about a personal issues. I have ask them not to call me on my job at all but they did anyway by harassment me. She was very unprofessional and extroidnarily accusatory towards me on the phone. The woman on phone stated that she 's been trying to call me but I have n't received no phone calls on my personal phone but on my job only. Then she threatened me by saying she will have my wages garnish and and take legal actions towards me if I do n't make any payments. She was so rude on phone with and hung up the phone on me.
I got this debt collection that is not mine. Not the right DOB, not the right SSN.
In regards to case # XXXX here is the attachment of the envelope dated mailed XXXX XXXX 2015 from zip code XXXX. This contained XXXX XXXX XXXX 's fraudulent reply to my QWR, he received on XXXX XXXX 2015. XXXX days after receiving my QWR.. A clear violation of RESPA XXXX day reply rule.and attempt to commit fraud, by back dating the document which had no real info anyway. Also received XXXX XXXX the attached false resolution from XXXX XXXX XXXX. Still not disclosing the info I requested that will show WELLS FARGO and XXXX XXXX XXXX XXXX HAVE NO LEGAL AUTHORITY TO FORECLOSE.. tHE TRUSTEE SALE IS TODAY, AND MIGHT RIGHT TO DUE PROCESS OF THE LAW WILL BE VIOLATED BY THE SATE OF NEVADA AND THE U.S. ACCORDING TO THE 5TH AND 14TH AMENDMENT TO THE CONSTITUTION. PLEASE STOP IT IF YOU CAN. THANK YOU.
I have previously filled a complaint against J.P.Morgan Chase bank which I haven't received any answer or solution yet, Chase bank has repeated the same fraudulent practice again by charging me insuffient fund bank fees by switching transactions and date from XX/XX/XXXX to XX/XX/XXXX, I am a victim of this banks illegal practices and would like cfpb to solve my issue which is financially and emotionally destroying me. 
Every month Chase banks fradulatly charges my account fees from $ XXXX XXXX which puts me behind every month to pay bills on time and support my family needs.
This is a different account for XXXX XXXX XXXX HAS REPORTED MY ACCOUNT TO TRANSUNION LATE IN ERROR. THE REPORT SHOWS I WAS LATE XX/XX/XXXX, XX/XX/XXXXAND XX/XX/2015 AND THIS INFO IS NOT CORRECT.
On XX/XX/2017 Cbcinnovis Did a hard Inquiry on my account They had my permission then. They did another Inquiry on XX/XX/2017 and XX/XX/2017 They had my Permission to run my credit. 

Months passed by and on XX/XX/2017 they did another Hard Inquiry and again XX/XX/2017 and another on XX/XX/2017 I called Cbcinnovis and I asked why they had ran my credit again, they said it was a mistake. They had another customer with the same name and accidentally ran my credit. I asked if they can take care of it and they said yes. I waited and they haven't done anything to fix it. It has now been a year and still no movement. I am very upset as a consumer because it has had a negative affect on my credit. I am trying to fix my credit at the moment and this is not helping
Please DO NOT close my complaint # XXXX. Capital One is still sending texts to my mobile phone and they will not stop. The account they are referring to is not mine. There is not a way for me to add a comment to my complaint so I an opening a new XXXX. I have been trying to resolve this with Capital One for months. They will not stop texting my phone.
this complain is for the collection practices regarding the in store card for XXXX XXXX via Comenity Bank. This month i was XXXX week last paying my card - i had a health issue but that is neither here nor there. on day XXXX that i was late ( btw first time i was late ) Comenity started calling me every hour on the hour starting at XXXX pst and usually ending around XXXX - they have XXXX different numbers they are using and then a restricted XXXX which they think apparently gives them carte blanche for phone harassment since i can not identify the number but i know it is them - along with their other numbers they call on the hour - every hour - every day Monday thru Sunday. - last time i checked this was phone harassment - they leave no message and now have also started texting me - again i was XXXX WEEK LATE and as soon as i got my next paycheck i scheduled the payment. i have all the calls on my phone and think this is ridiculous. a few years ago i was late by a few months with my XXXX XXXX XXXX and they called me twice during that whole time. every hour on the hour is harassment and i want to file a compliant they ca n't do!
I continue to get a phone call from an agency claiming to be Premier Portfolio. They call my cell phone from numbers all over the united states, so I have not been able to successfully block them. I do not know this company, and do not have any outstanding debts in collections. They claim that it is for a check cashed in my name with my ssn and routing number, which does n't make any sense why they would have my SSN. I 've looked it up, and they are apparently scamming other individuals as well. I want to report them as well as get them to stop calling me.
I purchased a car in XXXX. I received a loan from an outside company that was obtained through the dealership. I never received any information from them nor a contact for them. I never received any mail with any billing information. Car was repo 's yesterday due to non payment and the guy who took it was nice enough to give me the name of the company that asked him to repossess. I XXXX and emailed an entity which I believe is them and they responded stating due to Hipaa they can not tell me anything ( even if they are the company ) and im supposed to call during their business hours which are XXXX eastern time. I work full time in a callcenter and is going to be about impossible to reach them via phone without taking time off. I was in the middle of moving when car was purchased but the mailing address ( po box ) never changed and I had mail forwarded at old address so even if they sent to that one I should of received some sort of billing. And if the dealer opted me into paperless I would of received some sort of email. Horrible customer service, can not pay if I dont know who /how to pay.
We have had XXXX remodifications in the past. XX/XX/XXXX we made timely payments. XX/XX/XXXX we missed a few months ' payments. When we got our tax return we were able to pay down {$2000.00} on an over {$4000.00} balance. This stopped any acceleration. We then made over our monthly payment for several months in XX/XX/XXXX. XX/XX/XXXX we got our monthly statement which included our monthly payment due and the total amount due to bring us current. We spoke with a representative on XXXX XXXX and she assured us that if we payed that amount of money via XXXX XXXX or overnight cashiers check that we would be current, all acceleration would stop and we would not have a payment due again until XXXX XXXX. On XXXX XXXX, XXXX {$3500.00} ( the exact balance ) was paid by cashiers check in a Bank of America branch as an epayment. 
Today on XXXX XXXX I got a call stating we were in foreclosure that they did n't have record of the payment and that if they payment showed up it would be rejected because we now owe the foreclosure fees as well. We did exactly as we were told - choosing the electronic route at the bank because it was faster than an overnight payment and we are being punished!
I applied for a loan through loan Depot on XX/XX/XXXX. I went ahead and did their paperwork and was accepted to do a loan.

After doing all the necessary application, an appraisal was scheduled for XX/XX/XXXX. OnXX/XX/XXXX they emailed me the appraisal which I contested and sent them an appraisal I had done in XX/XX/XXXX that was {$250000.00} more than the appraisal that they got from the company they used. I asked for them to compare the appraisals and see what the problem was because you don't miss something that dramatically. We continued through the loan process I got a survey done at my expense and they sent me a alone estimate on XX/XX/XXXX and everything was fine until a phone call that I received on XX/XX/XXXX stating that they were going to charge me two points for the difference in the appraisal cuz it changed the percentage of loan to debt. I asked him why would they wait so late in the game to tell me that everything was changing instead of doing it back when they got the appraisal. I asked why they waited 3 weeks to inform me that in in the week that were too close that I was going to be charged two points because of their appraiser.. that seemed unfair and a little obvious on their point to wait until the end and I would have to pay them instead of doing the work necessary 3 weeks before to get the problem resolved. I pleaded and ask the guy to get with his supervisor or whoever that was overseeing the loan. He told me that his manager was firm and she was not going to budge an inch which I felt was very unfair to me. The lock rate Runs Out XX/XX/XXXX and so I am basically screwed because of their dropping the ball and that doesn't seem right
PNC Bank is continually causing issues with my bank accounts. I had to close an account because they kept switching transactions around to cause my account to become overdrawn. I was told to watch my accounts closely so that I am not the XXXX causing overdrafts. Recently, before leaving home, my accounts ( Reserve and Spend ) XXXX had positive funds. I went out for the evening, realized that I needed to transfer funds from XXXX to spend to cover my activities of the evening. I made the transfer and again checked both accounts. XXXX accounts had a positive balance. When I woke up, XXXX accounts were overdrawn!!! This was confusing and angered me. Because of the bank messing up my account, I had a small check come through that they returned for NSF and then charged me an OD fee. It has been a down hill battle since Thursday XXXX XXXX. I have sent them XXXX complaints and all I am being told is they are looking into it. NOW they have XXXX of my accounts in the negative and when looking at the transactions, they have them completely in an order that will only benefit them to keep returning things and charging me OD fees. With online banking, they constantly change the order transactions occur so from hour to hour or day to day, the account never looks the same. They tell us to keep track and watch our accounts but that does n't help when THEY manipulate your account to benefit them!!
Dear Consumer Financial Protection Bureau : On Tuesday, XX/XX/XXXX, I called XXXX XXXX, my current service provider, about an urgent matter. I was told to submit a written request to them and the CFPB to receive assistance regarding this matter. Prior to my loans being held by XXXX XXXX, the service provider for my loans was Navient and its lending predecessor Sallie Mae. 

There is currently a class action lawsuit against Navient by the U.S. Consumer Financial Protection Bureau and the Illinois and Washington attorneys general submitted in XX/XX/XXXX. Pennsylvanias attorney general filed a suit in XX/XX/XXXX. And Californias attorney general filed a suit in XX/XX/XXXX. 

The suit ( s ) allege that since XX/XX/XXXX ( when my loan debts were in the care of Navient and its lending predecessor Sallie Mae ), Navient has : - Misallocated payments. 
- Steered struggling borrowers such as myself toward multiple forbearances instead of deferments ( or income-driven repayment plans ), which accrued undue interest. 
- Provided unclear information about how to re-enroll in income-driven repayment plans, resulting in the accrual of undue interest or negative credit hits. 

The CFPB is asking Navient to compensate borrowers such as myself that Navient has harmed. 

I believe my account and loans were incredibly and unethically mismanaged. Throughout the years my accounts were managed by Navient and its lending predecessor Sallie Mae, I was actively urged to do things that would harm me and my ability to repay what I had borrowed. And, during this timeframe, I suffered all of claims the suits allege. In particular, I was : - Urged to go into forbearance multiple times, accruing undue interest when there were better options available to me as a borrower. ( I most likely also took negative credit hits due to this as well. ) - Unable to effectively allocate payments that I did make, so these monies used as payments were mismanaged, resulting in more interest, and more long-term detriment to my credit. 

I am asking to submit a balances due request for my account. I believe the balances should be adjusted to reflect a compensation of these years of errors on behalf of Navient and its lending predecessor Sallie Mae. 

I am currently enrolled in the Public Service Loan Forgiveness program and I am working diligently to pay down my debts. However, I can not make forward progress if I am back paying on the unfair and unethical business practices of Navient and its lending predecessor Sallie Mae that have harmed me and my ability to pay. 

I am submitting this same request to XXXX XXXX, the Department of Education and Consumer Financial Protection Bureau, as well as to the Federal Student Aid Ombudsman Group. 

I ask for your assistance in correcting this matter so I can expediently pay back what I owe. 


Sincerely, XXXX XXXX
Notified by XXXX that a derogatory mark had been added by Nationwide Recovery system for the amount of {$1100.00}. Nationwide stated the original creditor was XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they have no record or me ever in their system or for their affiliated services. I then contacted XXXX XXXX XXXX in XXXX GA, the only hospital I have ever been to and they have no record of me owing anything to them or their radiology or physicians department. I then called Nationwide to tell them of my findings and they stated the only resolution was for me to file a police report that they would not do anything to further help get this off my credit. I was never contacted by nationwide by phone or by mail.
I have been trying to have Equifax remove XXXX satisfied public records/Judgment. XXXX Credit agency has removed the XXXX satisfied judgments totally from my report but, Equifax Still holds, displays & advertises that said judgments as Public collections on the credit report. I have been trying to repair my credit but Equifax needs to remove this displayed satisfied judgment. We are looking at a satisfied judgment from 2010. I believe It has passed the statute of limitations for sometime now & needs to be totally removed from my report. Please help me with this problem. And thank you in advance for any considerations to this matter. 
Sincerely XXXX XXXX XXXX
We were late with out payment and arranged a payoff with them due XX/XX/XXXX. They instead sent a repossession team to our house and hollered at the top of their lungs to pay my debt and called me a " XXXX ''. One of the guys had his hands in a fist and was threatening to XXXX me. I recorded this on our home security system with the originals at XXXX
I was part of the millions of people who whose accounts were compromised with the Equifax security breach. I 'm very concerned about identity theft and a company of this size should be more careful with their fraud procedures.
IQ Data ( aka XXXX ) Is attempting to collect on a debt they say originated fro XXXX at XXXX XXXX XXXX. This is the incorrect plaintiff in the action. The debt allegedly owed is not verifiable as the court documents are being contested : Wrong amount, incorrect plaintiff, incorrect dates. 

IQ Data maintains that the date of the owed amount is XX/XX/XXXX which conflicts with the already incorrect court documents that they are using as verification of debt. XXXX of XXXX XXXX XXXX is not the lien holder of the alleged debt and is not on any stipulation documents for this issue. 

I have the original documents from the court. As it stands IQ Data uses threatening language and refuses to allow me to provide the information to dispute the debt or any avenue to do so. I am simply talked over and threatened by the staff answering the phone. My attorney for the original issue stated that the debt has to have the proper lien holder, dates of the amount due, and proper amount.
Synchrony Bank, an institution with whom we have a line of credit, has several times called our cell phones stating that there is a payment due when a payment has been made the previous week. Also we are getting robo-calls to our cell phones from this bank which are intended for other account holders of this bank. This seems to be a violation of both the FDCPA as well as the TCPA.
XXXX ref # XXXX, contacting my ex husband telling him they are going to arrest me and put me in jail. They have threatened to have the police come to my place of employment. I do n't know who this debt collector is cause when I ask, they just start telling me they are having me arrested. I WILL NOT pay anything I do not owe. Please make them stop. They have even threatened me in regards to my insurance license with the State of Texas. That is threating my ability to work and make a living.
I logged into my XXXX account this morning XX/XX/2018 and discovered that a company called " FRANKLIN COLLECTION SV '' was repeatedly flagging my account for the balance of {$58.00}, once on XX/XX/2018 and again on XX/XX/2018. I have never heard of this company, nor ever received any calls from their phone number XXXX. Under " Original Creditor '' they had put " XXXX XXXX, '' which I am assuming is XXXX XXXX XXXX. I have already disputed another fraudulent credit company for a false bill " from XXXX XXXX XXXX '' and have proof that they are charging the wrong person/falsely charging me because they have my information.
Been contacting credit bureau agencies since XX/XX/2017 with no positive results the bureaus are reporting invalid account information that does not belong to me and I have expressed this numerous times over the phone, fax and US Mail. Bureaus nor companies have been able to validate these debits or have not provided me with proof of why they will not remove them. The accounts that need to be removed immedatately are : XXXX, XXXX, XXXX XXXX, and XXXX loan
Wells Fargo Financial National Bank prefunded a vendor XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, in XXXX, Tennessee ZIP Code XXXX, telephone number of XXXX ) before the work had been completed and Wells Fargo Financial National Bank has been billing me for the balance which I have been paying monthly. I have requested Wells Fargo Financial National Bank to delay billing, but they have refused to delay billing or adjust payment due date stating the problem is between the vendor and me.
I seen that on my XXXX XXXX account that my score went down by 88 points due to a Eos Cca ) XXXX? From XX/XX/2018? I have no idea what that even is.. I have not apply for anything or nothing..only bill I have is a car payment! I just had a credit repair company fix my credit!!!