WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX / XXXX / 17  I called  XXXX  to determine if I could refinance my 9 % interest rate on a $  XXXX  pri vate educational loan. They were n't showing any options available and directed me to Loan Science ( the lender ). I called Loan Science. The customer service rep told me a program to lower my rate was available 2 years ago but is no longer an option. I was not informed of this program, to which he  agreed. He said that I was n't contacted because I was making payments and that no options now exist. I am concerned that I was never informed of this program and I also do not believe it to be good practice to only extend offers to people who are in default.
Seneca Mortgage Servicing is infringing on my rights as a senior citizen ( over XXXX ) to pay my real estate taxes in accordance with Texas law section XXXX which allows taxes to be paid in XXXX equal amounts due XXXX, XXXX, XXXX and XXXX without penalty or interest. I 've been doing this for the last 14 years with no problem. On XXXX, I received a letter from Seneca regarding non payment of delinquent taxes even though I was on schedule and my taxes were being paid. They gave me 30 days to contact the office for resolution. I contacted their office on XXXX and they informed me that Seneca had already paid the taxes on XXXX and an escrow account had been set up. I 've made XXXX phone calls to the Seneca tax office and customer service with no resolution. 
This is an obviously ploy to unethically/illegally set up an escrow account.
I was being charged twice for many transactions since XX/XX/XXXX. Unfortunately I only noticed in XX/XX/XXXX so I filed a dispute. Capital One only gave me back the amounts for the transactions within the last XXXX days and told me they will no diapute charges further than XXXX days. The charges are from different companies, not just XXXX.
I dispute this being on mycredit report, due to I wasmiss lead at the time thishappen. They lied to meand have treated meunfairly ever since. I triedto make payments andthey were charging memore interest than Icould pay. In 2011 I fileda complaint with XXXX XXXX Complaint # XXXX. Please removethis from my credit reports.
I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Experian is unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, Chapter XXXX Bankruptcy XXXX
On XX/XX/18 I did a balance transfer with them and they did a double transfer on two of my credit cards that I wanted paid off. This has been over a month ago now and not resolved. I talked to a manager in late XXXX and she assured me it would be fixed in 2 weeks. Never happened. Talked to another manager in XXXX she assured me it would be fixed and she would call me back in 24-48 hours. Never happened and she never called back. Talked to another manager in XXXX and he said it takes 30 days to fix. Again, that never happened. Filed a XXXX complaint and was contacted by XXXX but I wasn't available to talk to her so she left her name and number. I called her back yesterday and today and left messages to call back and that never happened. Meanwhile the credit card that I have with them is over the limit and I'm sure will be reported and my credit score will be destroyed. On top of that the minimum payment that I was supposed to pay is much more than I would have to pay because of this mistake. Needless to say this is all very frustrating and I need help quickly before my payment is due on the 16th if at all possible. Thank you.
Made a payment of {$160.00} dollars to Navient by the payment due date and they sent me another statement for XX/XX/2018. 

Navient is overcharging me for my loan. I am very disappointed they told me two of my loans could not be eligible for lower payments, but I am in a hardship. I provided the representative with all of my financial information.

Navient is doing students wrong I have other student loans and there website says that they may be able to lower payments if there are other student loans.
XXXX has placed an account in collection associated with my name. On XX/XX/XXXX I attempted to gather information regarding this charge from both the collection agency ( AFNI INC. ) and XXXX. The information that was provided to me was that the charges we're regarding a account for XXXX XXXX that ended around XX/XX/XXXX per XXXX, while AFNI stated services ended in XX/XX/XXXX. I have informed XXXX and AFNI that I have never had a home security account with them and that the address for the service location was vacant starting XX/XX/XXXX pending sale of the home. I requested that the XXXX agent I first spoke with, provide me with a contract for the services and/or copy of the bill. I was not provide either information but rather a phone number to the collection agency that had already informed me to contact XXXX regarding the issue. I ask to speak to a supervisor and while on hold the call was terminated from there end. I have also request information from AFNI on the same date. I was only provide amount owed, date service ended, date it went to collection, and that it was my debt based on the fact it was associated with my name and social. Based on my records any services I had with XXXX were terminated on XX/XX/XXXX with a payment of {$150.00}, along with a final payment of {$60.00} on XX/XX/XXXX for remaining account balance. Neither company has provided me with enough information that verifies that I owe or own the account.
I started the process of refinancing my home with TD Bank on XXXX XXXX, 2016. Due to no fault of my own, my scheduled closing has been delayed three ( 3 ) times. The following timeline will explain my disappointment with TD Bank and the need for an immediate resolution. 

XXXX XXXX - Received a generated email from XXXX XXXX ( TD Bank Processor ) stating I was conditionally approved for my refinance. 

XXXX XXXX - I left a voicemail with XXXX XXXX asking for a return call. I received no return call. 

XXXX XXXX - I received another email from XXXX XXXX requesting additional documents. My tentative closing was set for XXXX XXXX, 2016 and the rate lock confirmation set through XXXX XXXX, 2016. 

XXXX XXXX - I sent a follow up email restating the same questions I had regarding my documentation from XXXX XXXX, 2016. As of this day there has still been no verbal communication with XXXX XXXX. 

XXXX XXXX - I had my first conversation with XXXX XXXX nine ( 9 ) days after my initial voicemail. 

XXXX XXXX - I submitted all requested forms to close my refinancing. 

XXXX XXXX - I received an email from XXXX XXXX stating the TD XXXX team needs more information from my HOA. I talked to my HOA representative that day and was informed that she had made several attempts prior to XXXX XXXX, 2016 to contact XXXX XXXX based on the request XXXX XXXX sent to her. XXXX XXXX never responded to my HOA representative. Therefore, I had to take time off from work to initiate a teleconference between my HOA representative and XXXX XXXX to resolve any questions XXXX XXXX had. I later received an email that day from XXXX XXXX stating she had all the necessary information needed from my HOA representative to report back to the TD XXXX team. 

XXXX XXXX - I emailed XXXX XXXX asking what time my closing is set for on XXXX XXXX because I have received no update from her. 

XXXX XXXX - XXXX XXXX responded to my XXXX XXXX, 2016, email repeating the same exact questions that were addressed and resolved by my HOA representative from XXXX XXXX, 2016. My thoughts : Why is XXXX XXXX asking the same questions that were resolved six ( 6 ) days ago with my HOA representative. This in itself delayed the entire closing process unnecessarily and shows her incompetence. In this same email from XXXX XXXX tells me my closing date has been pushed back to XXXX XXXX, 2016. 

XXXX XXXX - I requested for the second time what is the status of my closing. She did not respond. Later that day, I sent a separate email attaching my Payoff Letter from my current lender in which she responded, " Thank you but usually I ask the title company to get this so the borrower does n't have to ''. Which leads me to believe that she completely disregarded my email from earlier in the day. 

As of XXXX XXXX 2016, TD representatives have still not completed my file due to their lack of professionalism and continually ignore emails from me.
I had provided a lender, Norcom Mortgage, with our personal information/data to obtain pre-approval on a mortgage. XXXX of their loan officers attempted to e-mail myself and my husband a copy of our credit report, however, she sent it to a wrong e-mail address instead of my husband 's correct address. Our privacy has been violated in accordance with their privacy policy as our personal data and private information in violation of our consumer privacy as our complete Social Security Numbers and Date of Births are both out there somewhere. The loan officers negligence has caused a privacy breach for us and we are now at an increased risk for identity theft. I contacted their CEO on the same date and he has not responded to me. This is a severe violation of our privacy and we are asking them for a resolution to this.
I have a complaint aga inst Weltman, Weinberg & Reis , Co, LPA a  debt collection firm. My husband had a judgement entered against him for a credit card debt owed to  XXXX  cards. On  XXXX / XXXX /   2017  a execution for attachment was ordered to collect on the debt. On  XXXX / XXXX / 17  a attachment/interrogatories was served to  XXXX   XXXX   XXXX   XXXX , where my husband an I own a joint account .At this time  XXXX   XXXX   XXXX   XXXX  froze our joint bank account ( at this time the law firm was contacted and offered to settle the debt but was denied ) On  XXXX / XXXX / 17  the Interrogatories was answered and returned with a Certificate  of Service and  is on file at the  XXXX   XXXX   Prothonotary 's  office. My complaint is this judgement is solely in my husbands name, and from my understanding under Pennsylvania law a joint bank account falls under the " tenancy by the entireties '' and because the judgement is not in both our names the account can not be frozen. I have contacted both  Weltman,   an d Weinberg & Reis , Co, LPA an d  XXXX   XXXX   XXXX   XXXX  on this matter. I waited to contact  Weltman and Weinberg & Reis , Co, LPA to gi ve them time to resolve the issue, however the account remains frozen. I contacted the law firm on  XXXX / XXXX / 17  and was told they were in contact with  XXXX  and the issue was being resolved, however, this was not the case, as I spoke with bank manage the same day. The law firm had also issued a attachment/interrogatories to  XXXX  other banks,  XXXX   XXXX  and  XXXX  bank, which neither of us have accounts with. On the same day  XXXX / XXXX / 17  the law firm did contact the  XXXX   XXXX  prohonotary 's office and had the attachment discontinued on the  XXXX   XXXX  account only. I have tried to make contact wi th Weltman and Weinberg & Reis but they will not return my call. Any help in this matter is appreciate d.
XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, Transunion, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
I had a loan with XXXX XXXX XXXX XXXX opened XX/XX/2009. The account was charged off and the status was closed derogatory. I checked my credit report this month and the status has now been changed to Open-Derogatory. I called XXXX XXXX to see why they changed it to an open status, and they said they did not, and they are reporting it to the credit bureaus as closed. This has made my score drop almost XXXX points.
Received a phone call from XXXX XXXX CA phone number XXXX XXXX XXXX XXXX. Caller asked who I was, I never stated I asked " May I ask who is calling '' the caller stated they where a debt collector and asked to verify my address. The caller stated an old address I no longer lived at. The caller stated only the numbers and street and ask me to verify the city and state. So i verified the city and state, they caller then told me that I had a past due Balance of {$580.00} with XXXX. I told the caller I never had XXXX service I have XXXX they caller then stated " Oh I 'm sorry then my mistake '' then hung up the phone.
Bank of America drafted {$370.00} from my checking account and placed it in a negative status. I had {$610.00} in my account to cover my insurance, credit card payment, and XXXX XXXX payments. I woke up to - {$310.00} ( negative ) in my account. So my 3 transactions came out of my account PLUS an additional {$370.00} DEBIT that no one at Bank Of America could answer.

They kept stating I filed a claim, I called today reporting is as fraud but no one would assist. After 2 HOURS, they advised me since my husband is on my account, he has his own INDIVIDUAL PERSONAL account and was negative for almost 3 months. So they took it upon themselves to draft funds from my checking account, and NOW PLACE MY ACCOUNT IN A NEGATIVE STATUS. First his account was negative, and pulled funds from my account as these payments were drafting, and placed my account in a negative status to make his account " current. '' How does this work? How do they shift the negative status from one account to another? 

They have financially impacted me, stated I have to " take responsibility '' for my husband 's personal account status, and did not care that my account is negative {$310.00} and now can not pay my bills. I am now facing 4 {$35.00} overdraft fees they can not assist with. 

someone from corporate called me to " apologize '' for the situation I am going through, but only called to apologize and not take action. I need to pay bills, and medicine that they don't care about. I am now negative - {$450.00} after fees should they go through ( wont know until 1-2 days ). 

How do I pay for my XXXX medicine? How do I pay for a follow up visit that I need to see my doctor for a previous XXXX I've had? How do I put gas for the next 2 weeks before I get paid again? How do I buy groceries? It was my husband 's debt on his PERSONAL account, and they never notified me these funds were coming out. I CAN NOT believe they just care about the money and could not make payment arrangements with me by phone today.
Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on experian, XXXX XXXX, and XXXX. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}
purchased merchandice at XXXX for XXXX.dollars through whynotleaseit at XXXX   payments XXXX.dollars monthly have paid XXXX. dollars tried to stop lease whynotleaseit tells me i must give them XXXX.more dollars in one payment to get out of the lease or pay XXXX.dollars forever i believe this is extortion scam lets put them in jail
My fiances account and my account have had money held by M & T bank for many months. I opened the accounts last year They required me to send in my personal information, social security card and a recent utility bill after locking my account and allowing no withdrawals. It's been a week and my accounts are still locked. I was told by the representative that it would take approximately 24-48 hours to unlock. Since it's been locked, and prior to me calling, they've continued to take out their fees for owning the account while not allowing me to close the account or use the money in said account. Approximately XXXX for 10 months or so. They refuse to send me my money to XXXX out the balance or close the account because the balance must be XXXX to close the account. I can not initiate transfers for the account because they have the account locked, my money is being held hostage by a fraudulent banking  corporation.
I had an account with Lowe 's but it was at least 8 years ago. Lowes is reporting on my credit reports and they have reaged this account.
this complaint is against JP MORGAN CHASE BANK. In XX/XX/2017 they send me an email saying that i have been preapproved for their financial products chase freedom and freedom unlimited, so i went online and applied for both the credit cards, both was approved chase freedom :XXXX credit limit chase freedom unlimited XXXX credit limit i started using both the cards, made all the minimum payments on time ( 100 % ) on time.i had to use some high amounts for some personal reasons, but every month i made all my minimum payments on time, last month they sent me a letter saying that both my cards ( accounts ) have been closed WITHOUT WARNING, atleast they can send me a warning letter stating ur balances are high and you have to pay some off or your account will be closed, NOTHING LIKE THAT, OUT OF THE THIN AIR ONE MORNING THEY ARE SENDING ME A LETTER SAYING THE MY BOTH ACCOUNTS ARE CLOSED AND NO LONGER CAN USE THEM, I have a CHECKING ACCOUNT WITH THEM from past 7 years ( still active ) where my all my money goes. this is not fair from chase, I tried for a government sponsored mortgage which is a USDA loan 0 % down payments 1 % interest rate, but i was denied because chase closed my both the credit accounts, cancelling all the limits on the credit card, my score from XXXX  went down to XXXX, THE USDA LOAN STARTS FROM XXXX  SCORE, THIS IS NOT FAIR, the mortgage officer told me the only thing affecting your score is the closing of your high limit credit card from chase, now IM GOING TO XXXX XXXX, IM GETTING SICK, I can not work as I'm XXXX  upset EVERY AMERICAN DREAM IS TO BUY A HOUSE, just because of JP MORGAN CHASE MY DREAM IS SHATTERED IN TO PIECES, they can close my account if i missed any payments or if i lost my job, i always made my payments on time, they can not just offer something and take it back for no reason.

please US government, if you guys respect the US CONSTITUTION you have to help me resolve this issue, as an American citizen i don't feel protected by the government, ACCORDING TO OUR CONSTITUTION EVERYONE WHO LIVES IN THE UNITED STATES HAVE THE RIGHT FOR LIFE, LIBERTY AND PURSUIT OF HAPPINESS, PLEASE DONT LET THEM TAKE IT AWAY FROM THE PEOPLE, if there was any negativity from my side i can totally understand it, they cant just do this to me, I'm denied the govt usda loan because of this, I'm going in to XXXX XXXX
A {$50.00} charge on XXXX/XXXX/2017 was made on my Citibank credit card that I did not make. I filled a dispute with Citibank. After Citibank " investigated, '' Citibank closed their investigation and charged me again. 

The documentation provided to Citibank from the merchant clearly shows a person with a different name made the purchase and mailed the item to a state 500 miles from my home.
On  XXXX   XXXX  the  Weinberg Mediation group left a message with my social security number, my birthday, and a false docket number on my parents voicemail. They stated that I needed to call to resolve a debt. I called the court to which they said this docket number existed and they said that is not their docket number. When I called the Weinberg mediation group myself to see what this was about they were threatening and even went as far to tell me they were lawyers and they know people in my county ca n't pay their bills. They also told me I have children and should be ashamed of myself. When I told them what information I found about what they are that they are not lawyers they told me they were glad I could read and used vulgar language. They call 4-5 times a day to my phone and my parents phone  leaving threatening messages. When I asked them to send me something in the mail they said they did n't have to.
In a letter dated XXXX XXXX, 2013, Capital One Bank agreed to satisfy a default judgment against me which had been fraudulent obtained when the process server claimed to deliver it to an address where I had not lived for several years ( previous CFPB complaint CFPB XXXX ). As of today, more than a year later, XXXX County court records indicate they still have not done so. I need for Capital One Bank to do the right thing, as it promised in 2013. Thank you.
On XX/XX/2018, I make complaint on Consumer Financial bureau complaint website for Wells Fargo Bank ( XXXX ). Wells Fargo Bank continue to put false information on my credit report. I ask Wells Fargo Bank to stop putting false information on my credit report On XX/XX/2018, the complaint was closed because as Marked as a duplicate complaint. Wells Fargo Bank trying use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 1 ) They are putting false information on my credit report. ( 2 ) They do not have wet ink signature that sign contract with them to open up a credit card. ( 3 ) They claim that it was charge off. If the account is charge off, then there should be no balance because they got money from taxes and also charge off debt is worthless and no long able to collect. ( 4 ) The state of limitation have pass and they still are trying to collect. ( 5 ) I send a request for debt validation and unable to give me proper debt validation. ( 6 ) They are trying over charge me fee. I feel that Wells Fargo Bank is trying to take advantage of me because I XXXX male. I feel that discrimination is wrong. I am willing to pay off the debt that you claim I owe if you are will to provide me with the original contract I sign with ink signature. I will have expert document look at contract. Wells Fargo Bank refused to pick a date for us meet in person and have expert document look at the original contract. They still put false information on my credit report, which I think is wrong. The Wells Fargo Bank is still the doing same thing. I am still asking for the same thing. They are still put false information on my credit report. I am requesting Wells Fargo Bank to stop putting false information on my credit report. Deleted this account of my credit report.
Based on the Foresnic Analysis, I discovered truth in lending and preditory violations in my loan. Therefore the third party debt collector ( PennyMac ) needs to be investigated.