WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX we were notified by Seneca Mortgage Servicing that we needed to send our payment to a new address in Texas. Beginning XX/XX/XXXX the changes were made to our Online Banking Account. On XXXX XXXX or XXXX XXXX I received a phone call from Seneca Mortgage Servicing stating our XX/XX/XXXX payment had not been received. I let them know I would talk with my XXXX as He always sends out the payments by XXXX Banking near the first of the month. Phone call ended. Husband checked our online banking and said Yes the payment had been made XXXX XXXX but not credited as of yet so He had our Bank research the check. About XX/XX/XXXX /XX/XX/XXXX we received another call from Seneca about the amount owing for XXXX and we let him know the check had been sent out on XXXX XXXX, we asked him the Texas XXXX to make sure it was correct and it was correct. This person made threatening comments to my Husband about Dinging Our Credit if we did n't make our payment. The guy on the phone was angry with My Husband trying to explain we had made the payment, my Husband was very upset, and attempted to work with this person on the phone as the Seneca Guy kept threatening with a 30 days late. To us this is a very serious Threat since Hubby has near perfect credit. We had made our payment early in the month just like always.Our bank got back to us in just days and said the Check was Returned Undeliverable. How does that even happen? The Bank checked with us on the Address again to be sure it was sent correctly, again, Yes all the information was correct. The Bank would reverse the funds back into our account as soon as a couple days, per an email, dated XXXX XXXX XXXX. We made the payment XXXX XXXX. Followed with a XX/XX/XXXX payment on XXXX XXXX. Seneca sent us just before XXXX a Ding to our Credit. Our Credit went from the high XXXX 's to the mid XXXX 's. I Believe something is very wrong here. As of tonight Our Bank is full force investigating Seneca Mortgage Servicing to prove they did not receive the XXXX 's XXXX payment on time, as it also was sent out early enough on XXXX XXXX, XXXX, and Seneca Mortgage is not Crediting the Payment until XXXX XXXX. XXXX XXXX is playing GAMES again to charge the customers a {$73.00} Late Fee/Charges. We were charged a Late Fee/Charges in XXXX XXXX as well. Is n't it Odd they can hold a Mortgage Payment until after the due/grace period so they can charge a Late Fee. Honestly, I could have driven across the XXXX States and Hand delivered the Payment in the time it took them to credit our account and it would have been there with days to spare. I know there are a lot of Bad Reviews about Seneca Mortgage Servicing, as I researched it after the XX/XX/XXXX problem. Someone really needs to help us and those with problems against Seneca. We feel they should remove the Credit Ding, and refund us the Late Fee/charges. How does a Major Company just Return your Mortgage Payment. Not right at all. Even our Major Banking Company thought this odd. And again in just a couple of months doing the same thing.
On  XXXX   XXXX ,    2017  I disputed  XXXX   XXXX  that its inaccurately being reported on my credit report stating that I owe {$2400.00}. This account is still showing up as pending an investigation which is well over the 30 days per FRCA law. I do not owe this company any monies nor have I ever been late on a payment. I am requesting this account be removed from my report immediately or I will file a compliant with the Better Business Bureau. Attached is proof that I owe  XXXX  dollars given to me from  XXXX   XXXX  and a copy of the contract stating that I had the right to terminate the lease early.
letter dated XX/XX/XXXX from XXXX XXXX is another lie again this accoun cliam that was filed in XXXX about atm card ending on XXXX was closed on XX/XX/XXXX and I never recieved a new card specially ending inXXXX. This claim was filed and on XX/XX/XXXX you approved the claim and stated the credit for {$1800.00} was permanent however I also contacted the bank and explained that whom ever did all this fraudelent was the same peson who withdrew on XX/XX/XXXX a {$600.00} tlr counter withdraw with license and a debit card ending on XXXX and on XX/XX/XXXX a counter withdraw of {$2100.00} and another for {$1.00} on same date with same identification. what bother me is the fact that the bank never consider the fact that I spoke to them and the claim included those counter withdraws with my license and the debit card ending on XXXX. I never had that debit card period and futher more based on the letter you sent dated XX/XX/XXXX stating that this fraud that took place had to be reported to the bank within sixty days claim # XXXX and that the claim was outside the time period this claim was initiated by the bank and use the 60 day to denied the claim to get away with it. HERE IS WHAT MY ATTORNEYS HAVE SAID IF SOME ONE USE THE XXXX DEBIT CARD AND THE BANK AGREED ON XX/XX/XXXX THAT THE ACCOUNT WAS USED BY SOME ONE AS FRAUD AND AGREED THAT THIS WAS FRAUD AND DID THE PERMANENT CREDIT HOW IN THE WORLD DO THEY NOT AGREE THAT THOSE WITHDRALWS WERE ALSO FRAUDELENT AND NOT MADE BY ME SPECIALLY IF THERE WERE NO FORM OF CONFIRMATION # XXXX ON THE ACCOUNT SPECIALLY IF A DEBIT CARD THAT WAS USE ENDING ON XXXX THAT WAS NEVER MINE OR NEVER HAD THAT DEBIT CARD AND NO INDICATION OF ANY TYPE ON THE STATEMENT AT ALL OTHER THAN IT WAS A TLR COUNTER WITHDRAW AND I COULD VERY EASILIY TRANSFER ALL AMOUNTS TO MY OTHER CHECKING ACCOUNT THAT HAD BEEN USE TO TRANSFER ALL KINDS OF CREDITS TO THE XXXX ACCOUNT.Ii CALLED AND REQUESTED COPIES OF THE CLAIM AND THE COPY OF WHOM EVER I SPOKE TO REGARDING THE 3 WITHDRAWS THAT TOOK PLACE ON XX/XX/XXXX AND XX/XX/XXXX. THE BANK HAS BEEN TRYING TO GET AWAY WITH WHAT HAS TAKEN PLACE. SPECIALLY IF ALL IF ALL I NEEDED TO DO WAS THE TRANSFER AND CERTANLY NOT ON A TLR COUNTER WITH A DRIVER LICENSE AND DEBIT CARD THAT I NEVER HAD AND IS THE BIGGEST LIE THAT HAS TAKEN PLACE ON AN ACCOUNT THAT WAS DONE FRAUDENTLY AND APPROVE BY THE BANK. SPECIALLY IF THE BANK WAS THE ONE WHO CLOSED THIS ACCOUNT SPECIALLY WITH A {$2100.00} AND ANOTHER FOR {$1.00} ON SAME DATE. THAT IS CRAZY AND THAT IS WHY MY LAWYERS ARE VERY INTERESTED.
My deceased father 's XXXX XXXX home may be going into foreclosure due to XXXX Loan fraud. On XXXX/XXXX/XXXX XXXX XXXX mortgage lender ( out of business as of XXXX ) had a phone interview with my father. There was no XXXX Counseling certificate and no loan application singed by the deceased homeowner. On XXXX/XXXX/XXXX an appraisal was done on the property. According to the Hud FHA guidelines nothing can be processed until the homeowner has counseling and the certificate is signed by the homeowner and counselor. FHA requires a case binder for XXXX loans during the lifetime of the loan. At this time, I am requesting any documents pertaining to XXXX XXXX XXXX LOAN. Please note, the loan was transferred to XXXX XXXX XXXX on XXXX/XXXX/XXXX, whom was found liable due to mortgage fraud. Then on on XXXX/XXXX/XXXX the loan was transferred to Nationstar which is now being investigated by NEW YORK STATE Department of Financial Services due to improper fees, mortgage modification and lost paperwork.
I recently sent a letter to Transunionrequesting the removal of unauthorized inquiries from my credit report. I did not ask for removal of the inquiries I had authorized. I received a letter from Transunion explaining what an inquiry is rather than a direct response to my concern. This is unacceptable. The FCRA states : the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The inquiries in question do not meet these requirements.
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : XXXX XXXX XXXX  XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX A notarized Identification has been attached
On Sunday XX/XX/XXXX I received a call from M & T Bank 's Fraud Department advising me my checking account has a recent charge for {$41.00} and asked me did I authorized the charge. I advised no I did not and the representative stated the account will be close due to fraud, a credit would be given to me for {$41.00} and the {$39.00} overdraft fee would be waive, a new card will be sent, and I would also receive a form to complete to explain the fraud activity as not my own. On XX/XX/XXXX I received a letter stating the provision credit of {$41.00} would be deducted from my balance since I did not send in the fraud form. I did not receive any fraud form in the mail. I called again and a represent stated an email would be sent the fraud department asking them to send another form and not to deduct the {$41.00} from my account on XX/XX/XXXX. However the charge was still deduction and when calling on XX/XX/XXXX the representative said the {$41.00} can not be added to the balance on my account until the fraud forms are received. Its to my understand that when a person is notified by the bank of fraud activity the fraud charges are the customer 's responsibility and there is a 60day review time before a final decision is made. M & T bank did not give me 60days. They initiated the call since there system recognized the fraud activity yet I am being penalized for being a victim of fraud. I did not order any magazines not did I authorized any reoccurring charges on this account with M & T. Can some assist me with the matter. I am asking for the {$41.00} to be added back to my account.
*This is the closest option that fits my situation. * I received a letter on XXXX/XXXX/2016 from a company called National Credit Adjusters, claiming that I owe a different company called 'XXXX ' a loan amount of {$500.00}. I never got a loan with this company ; I 've never even heard of them before. Tried calling the number listed in the letter, did n't go anywhere ( it just put me on hold until I was disconnected ). This is a false debt, so I 'm reporting them for scamming.
Navient calls every day threatening severe action unless I call this XXXX guy back. XXXX the number he calls from and number he leaves me to call are bogus numbers.
I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX and PXXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

Thank you, XXXX/XXXX/XXXX
I received a piece of rental property in my divorce settlement. However, the mortgage still had my ex-wife 's name on it which I needed to remove. I applied with Bank of America to assume the loan myself in an effort to get my ex-wife 's name removed. Bank of America denied my loan assumption based on the following factors : ( 1 ) Serious delinquencyand public record or collection filed ... this is true ... I did have a home foreclosed on back in XX/XX/XXXX ... I was under impression based on what I have read that major credit events like this come off your record for credit consideration after 7 years ( 2 ) proportion of credit balances to credit limits was too high ... at time of application, and now, I was using ~14 % of credit available to me ( 3 ) proportion of loan balances to loan amount too high ... I have never missed a payment on any current loans, including the Bank of America loan ... nots sure how I can do more than pay as I am obligated to pay, which I have done ( 4 ) too many inquiries into my credit ... no inquiries have been for negative reasons ... only to obtain information for companies I was considering potential of borrowing from, including the application to assume this loan. My credit score on XXXX report was XXXX and on the other than Bank of America pulled it was XXXX. I make $ XXXX plus per year in earnings and have no debt other the mortgage payment for my personal residence, the mortgage payment for the rental home loan I was trying to assume, a small unsecured loan with XXXX and the revolving credit I have out there ... in total less than {$2500.00} per month and I have the rental home leased through XX/XX/XXXX at {$550.00} per month. I do n't believe I received a fair review or outcome on the assumption application. I believe Bank of America is trying to bully me into applying for a new mortgage which I do not want to do. I do not believe Bank of America acted in good faith to review all information available to them to make the decision as to whether I was worthy and able to assume the loan.. I have worked extremely hard to get my credit back in good condition after the foreclosure, which was a result of my divorce, and know that I am more than worthy to assume this loan.
I had a checking account with XXXX XXXX XXXX XXXX that had approximately {$12.00} in it. It was an account I didn't use for much of anything, as I have another bank account that I use regularly. Around the very end of XX/XX/2017 and beginning of XX/XX/2017, while I wasn't even in the country, several unauthorized small charges were attempted multiple times, prompting XXXX to confiscate my {$12.00} and concoct approximately {$300.00} worth of fees. I explained to XXXX that these charges were not authorized by me and that I wasn't even in the country at the time. Pursuant to XXXX 's instructions, I submitted a dispute form which I still have a copy of. The person handling this dispute with XXXX was very rude in the responses to me, failing to properly adjudicate this matter. XXXX claims I owed them approximately {$300.00}. I would have no problem paying an amount that I actually owe, but XXXX owes me my approximate {$12.00}. XXXX put a derogatory charge off statement on my credit report, which is showing to this day. I have repeatedly attempted to contact XXXX to get this matter resolved, but XXXX has no intention of doing the right thing. That's why I am contacting the CFPB, as I hope to avoid having to travel to XXXX, NC, for a court date, but my next step if this can't be resolved is to take XXXX to court.
On XXXX XXXX, I applied for a store credit card at TJ MAXX only because the clerk had told me that no credit was okay, and people had gotten accepted before with no credit. I had no credit at the time, so this is why I asked in the first place. I later learned that inquiries can have devastating consequences on your credit, and because of false advertising from an employee at TJ MAXX, I applied for a card that could have been prevented by the proper explanation of the consequences, and terms.
GOOD SUNDAY, SIRS. CITIBANK SAID IF OPEN A CHECKING ACCOUNT BEFORE THE END OF XXXX, AND FUND IT WITHIN 30 DAYS, AND KEEPING {$50000.00} FOR 60 DAYS, THEN YOU WILL BE AWARDED {$500.00}. I OPENED ACCOUNT BEFORE THE END OF XXXX, BY XX/XX/XXXX, MAINTAIN {$50000.00} ALL THE WAY TO LAST FRIDAY. THEY DID NOT GIVE ME {$500.00}, LAST FRIDAY, I CALLED, FIRST LADY TO ANSWER THE CALL SAID SHE NEEDED TO TALK TO HER BOSS, SECOND PERSON ANSWERING THE PHONE WAS GUY, FIRST HE SAID THAT I DID NOT HAVE PROMO CODE, I SAID THE WHOLE PROMOTION NEVER MENTIONED THAT IT NEEDS A PROMO CODE, THEN HE WENT TO TALK TO HIS BOSS. A LADY BOSS TOLD ME ON THE PHONE THAT I DID NOT MAKE ANOTHER DEPOSIT IN THE CONSECUTIVE MONTH, I REPLIED THAT YOUR ADVERTISEMENT IS {$50000.00} IN THE ACCOUNT FOR 60 CALENDAR DAYS TO QUALIFY, DID NOT SAY NEED MORE THAN {$50000.00}. SHE WAS NOT ABLE TO HAVE A FAIR ARGUMENT. 
THE ADVERTISEMENT NEEDS TO BE FAIR AND SQUARE, CAN NOT SLAP ITS OWN FACE. PER BANK 'S PROMISE, THEY OWE ME {$500.00}. AND YOU BE THE JUDGE. 

THANK YOU
Company has not provided me with ORIGINAL contract or validation of debt. The debt is 6 yrs old and placed on my credit report sometime last week. I have no knowledge of this debt. The company responded, however the most important questions were avoided! Will I receive a letter of validation? The ORIGINAL Contract? Their entire statement avoided those questions. This company ( Midwest ) and whoever the consumer is NEVER contacted me via telephone nor mail! So their statement regarding contacting me was untruthful, and as a business they are conducting unethical practices. I demand that it be deleted until validation is received. Further actions will be taken. I will not stop until I get the proper answers.
1. Purchased home in XXXX XXXX. Ajustable Rate Loan with Countrywide Mortgage. 2years fixed then adjust 2. Tried to refinance around XXXX XXXX 3. Could not afford to refinance due to ridiculous terms 4. XXXX XXXX, 1st and 2nd mortgages more than doubled. Could not afford payments due to bad economy 5. Made no more payments after XXXX XXXX 6. The loans were transferred from one company to another for 3 years. Band of America eventually supposedly had loans. They finally foreclosed on our loans in XXXX XXXX. We went to hearing and asked for original note. They did not have it. Told us to go back for a second hearing the next week which we could not attend due to work. They foreclosed. Bank of America used XXXX to foreclose on our home. SC is a judigital state. They illegally foreclosed our our home. They could not produce original note at 1st hearing. The judge allowed the foreclosure to go through anyway. 
7. We tried to contact a lawyer to handle this and have been unsuccessful in acquiring one because every lawyer we speak with wants us to refinance. We absolutely REFUSE to refinance because everything with this home was done illegal. If we as consumers would have committed fraud, we would be in jail! 
8. Our loans are now with XXXX. They keep sending us bills. I have recently found out that we are still owners of the home. We could move back in if we wanted to. But we are in limbo concerning this home. I found out it is what the legal system is calling a zombie house. The bank can not legally sell it or do anything with it, but neither can we. We can move back in, live in it for the rest of our lives but we can never sell it or leave it to our children. 
8. The only info concerning this home on our credit reports are where Bank of America has transferred the loans. Doesnt say to what company or anything? It is derogatory on our credit reports. No other information is available. 
9. We need to know what to do with this home due to Bank of America 's illegal foreclosure? And we want it removed off our credit reports. 
I hope this is the right place to help us take care of this situation? 
XXXX.
There is an inquiry from XXXX XXXX that was n't authorized by me. I 've written Experian on XXXX XXXX, 2017 concerning this. They 've made no remedy for this inaccurate reporting as the inquiry remains on my report unauthorized.
Borrowed {$1000.00} from Big Picture Loans and was told there would be a one time finance charge, but they end up charging it every two weeks. Very misleading and cant get anywhere with customer service.
I contacted Bank of America about how their mobile app does not reflect the current balance. They charged me an overdraft fee for my account when it was not overdrawn. I went through the balance with the representative and she saw the error and still would not refund the fee due to I have already been issued a refund in the past. I advised her that it was due to the same issues. They continuously charge overdraft fees but the account balance online does not reflect the balance within their system. As I was reviewing the charges with the representative she was giving a different balance that what was reflect online. Then I asked the representative how long do you have to pay the account up before the fee hits the account she stated XXXX eastern time. I advised her that I did not receive an alert until XXXX on XXXX/XXXX/16 and the few was already processed to my account so how am I supposed to review the account and make it current if the fee has already been applied. There is only XXXX Bank of American and the ATM does not accept cash deposits all the time.
I am currently i repayment status on my Student Loans, I have been paying on time since XXXX with my last payment on XXXX XXXX. I made a payment on XXXX XXXX via the website and on XXXX XXXX, I received an email saying my payment was still due. I called the agency and spoke with a agent who confirmed that their system was not reflecting that I made a payment on the XXXX XXXX. I accepted his explanation and made another payment on the XXXX XXXX at XXXX XXXX EST via XXXX web page and received a payment confirmation number on the page and a confirmation email from the them as well. Today, XX/XX/XXXX, I received a email stating that my loan payment has not been paid and when I looked at my account it said my account is past due. I am not sure why their system is refusing my payment and I am afraid they are reporting my payments as late even though I made my payment on time.