WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX we rented a car from XXXX in XXXX, through a broker, XXXX XXXX. Rental car fees were charged to our Chase Visa card. Under the terms of the rental agreement, local taxes, and misc fees were to be invoiced after return of the car. Upon receiving a billing to our credit card for XXXX XXXX from XXXX after the rental period, we found that this billing included XXXX XXXX for refueling the car, despite the car being returned full. We filed a complaint with our credit card bank, Chase, and the dispute was resolved in our favor. XXXX issued a credit for XXXX XXXX. 
Subsequently XXXX claimed that they were never paid the undisputed amount of XXXX XXXX by Chase. Despite several letters from us, they turned the non-payment over to a payment recovery company, XXXX, who threatened legal action. Chase states that XXXX has been paid. In three separate conversations with Chase, including one with a supervisor, Chase maintains that XXXX has been paid. I have requested that Chase furnish tracking information so that if Chase has paid XXXX, the payment can be traced. Chase refuses to provide tracking information - their position is that the charges appear on their credit card statement, therefore XXXX has been paid. 
At Chase 's suggestion I have furnished XXXX with copies of all credit card statements of our credit card since XXXX, 2015, asking them to check their bank for payment, all to no avail. XXXX advises that they have checked and continues to insist that it has not been paid. 
In conclusion, it is impossible for us to resolve this issue. We have paid Chase for the non-disputed amount. XXXX insists that they have not been paid, Chase insists that it has made payment, but refuses to provide payment tracking information. 
Note that the outstanding amount has now dropped to XXXX XXXX as a result of XXXX offering a further discount of XXXX XXXX to resolve the matter.
My mortgage company, Webster Bank, NA, is charging me {$5900.00} for hazard insurance, because they claim that I have not provided proof of hazard insurance coverage. I provided proof of hazard insurance coverage six times by fax as well as once by mail. I have called the bank 's insurance company approximately 5 times. Each time they send me a letter stating that I must provide proof of hazard insurance coverage -- the same hazard insurance coverage I have been providing over and over again. The bank is violating the terms of the mortgage by charging me for hazard insurance when the building is already covered with adequate hazard insurance. They seem not to care about this.
Going over my Equifax report I see two delinquent accounts that are identical, this account should be listed once, not twice. Also, this account is showing that I have not paid the balance of {$290.00} when in fact this debt has been paid IN FULL in the form of my state tax refund. The account is as follows : XXXX Opened XX/XX/2017 Original Creditor - Virginia XXXX XXXX XXXX Amount - {$290.00}
Dear CPBC Abuse of MIDLAND CREDIT MANAGEMENT. 

I called MIDLAND CREDIT MANAGEMENT ON XX/XX/2019 to inquire about the negative they placed on my consumer file. According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting service could mail in fraudulent accounts. I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) that have on file on the account listed below.

{$1100.00}.

During my call, the phone was transferred to a staff of MIDLAND CREDIT MANAGEMENT named XXXX, and in the course of our conversation while I was making inquiring she called me a an XXXX '' and told me to send her a copy of my social security, and for asking too many questions and hung the phone one me. The time of the conversation was CST at XXXX. I want the verbal abuse to be investigated. 
According to the Consumer Protection afforded by FDCPA section 806. Collection agency are liable to a fine of {$1000.00} if they use any kind of harassment or abuse. MIDLAND CREDIT MANAGEMENT have abused me.

MIDLAND CREDIT MANAGEMENT has not been able to show any foundation or establish authenticity or accuracy of a piece of evidence that I owe MIDLAND CREDIT MANAGEMENT. I therefore demand a thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau. or have any contractual obligation to pay them.

I therefore demand an thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau.
I have had an ongoing issues wi th Stonegate Mort gage. In the fall of   XXXX   we fell on som e hard times and we ( me and my wife ) got behind on the mortgage payment. We were only one month behind but kept receiving bills stating that we were two and three months behind. Stonegate would n't accept a partial payment they wanted the entire three months payment even though we were only one month behind. Due to this circumstance, my mortgage went into to foreclosure. For five months I tr ied to get the correct balance to bring my mortgage current to no avail. So I withdrew  XXXX  from my mutual fund to bring my mortgage out of foreclosure. I called for  two months trying to get the correct balance to bring my account current. Stonegate sent me two  statements  one  for  XXXX  the other for  XXXX . I paid the higher balance because of  Stonegate 's history of shotty record keeping. After receiving a payment my next statement indicated that I only owed {$320.00} for that month 's mortgage payment because I overpaid when bringing my account out of foreclosure. Two w eeks later I receive another statement indicating that I am responsible for the full payment. I immediately called customer service to address this discrepancy but no one has given me an acceptable answer. I asked for the an itemized bill that shows how my payments were dispersed after bringing my account out of foreclosure. I still waiting 5 months later and in that time it has been shear  XXXX . Negative reporting when payments are made on time, discrepancies in payments remain an issue, and uneducated employees when ca n't answer a question.
I am disputing all negative marks on my experian credit report due to the recent hack of account information in their system and their lack of informing me of this security breach.I had disputed these items but they came back verified, but are fraudulent accounts.
I had my previous mortgage with RoundPoint Mortgage ( RPM ) for servicing which I got refinanced in XXXX XXXX. So RPM got the full balance i.e. {$380000.00} on XXXX/XXXX/XXXX. On this dat my escrow balance was showing {$10000.00}. However they deducted one more XXXX on very next day ( XXXX/XXXX/XXXX ) of amount {$3200.00} which is their fault. After this XXXX my escrow balance went up to XXXX. After this they issued my refund in three separate checks of amount 1. ) XXXX 2. ) XXXX and 3. ) XXXX. I deposited all three checked in my wife 's account. After few days one check of amount XXXX was returned to us by our bank. When I checked with RPM they said they stopped payment on it but they could not explain why they did so. After conversation they agreed to re-issue they check which will reach in another week or so. I did not get any check so I called after 3 weeks on XXXX XXXX XXXX. I was shocked to hear when they said they do not owe that amount to me. I explained to representative everything, I ha gone thru the transactions and she accepted their fault and promised refund in a week. However I did not get any check and called them today XXXX/XXXX/XXXX and got to know they did not issue any check. I have all the documents with me but I can bet if you will ask a middle school student to go thru my account and transactions he will figure out the difference. Unfortunately it is very difficult to explain the same to RPM customer representatives as I have seen them struggling with simple addition and subtraction. I would request you to take this matter as I doubt they are running a scam to cook the transactions at the time of closing account as everyone will not notice it.
On XX/XX/2017 I received a credit alert from XXXX and it informed me that a collections from XXXX XXXX  was added to my credit report in the amount of {$360.00}. I called the collection agency who never identified themselves as a collection agency and spoke with a customer service representative. They stated that I had a balance owed from XXXX and they were hired to collect the balance. The informed me that they had the account since XX/XX/2017, but they never sent any notification or request for payment. I informed them that I did not owe a balance to XXXX and asked them to remove this collection from my credit report. The customer service rep stated that Convergent did not own the account but they would dispute it. This called was made on XX/XX/2017 at approximately XXXX on a recorded line with a rep named XXXX XXXX . At XXXX XXXX, I contacted XXXX and inquired about the balance. I spoke with XXXX at the call center who researched my account and saw that I had no balance.. She stated that XXXX does not work with XXXX XXXX and was concerned about how they obtain my account information. XXXX agreed to provide me a letter within twenty-four hours via email to provide proof that I do not owe this debt and that they have no relationship with Covergent.
I was informed that this may be a scam of some sort and XXXX is investigating this issue.
We pay bi-monthly payments. This comes out to XXXX payments per year and the equivalent of XXXX payments per year of full principle. We have been doing this since XX/XX/XXXX. Yet as of today Wells Fargo has not applied one completely principal payment. We did have a situation in XX/XX/XXXX where we switched our personal checking accounts to a different institution, thus delaying a payment by XXXX days. I know by doing this we may have offset the full principal payment schedule, however this happened in XX/XX/XXXX and here we are in XX/XX/XXXX and Wells Fargo still has not applied one of our payments as " principle only! '' It does not make sense. I called Wells Fargo and they stated that our first principle only payment will not occur until XX/XX/XXXX. How is it possible that it takes from XX/XX/XXXX till XX/XX/XXXX to make a principal only payment? It should be one every XXXX months! The operator could not explain. Can u help??
Filed Chapter XXXX XXXX/XXXX/2005, would like it removed from credit file. It 's been well over seven years, almost ten.
I signed up with XXXX about 3 years ago to pay off my XXXX credit card. They took {$210.00} a month out of my checking a/c for 30 months - which is what they told me would satisfy my account. I have paid all of that six months or so ago. XXXX has given my {$12000.00} balance to a debt collection agency. They have sent me a notice to go to court XX/XX/XXXX. I have been trying for several months to speak with someone at XXXX. I have not been able to speak with a real person. I do n't know what their plans are for my {$6500.00}.
Gateway Mortgage Group , LLC misled me about qualifying for a home loan. 

In XX/XX/2017, I was pre-approved for a {$140000.00} VA home loan with XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I am unemployed and my only income is my XXXX XXXX  pension ( {$1700.00} gross monthly income ). I have no debt except my credit cards which I pay in full each month. 

On XX/XX/2017, I signed an agreement to purchase a home for {$210000.00} and provided a copy of the contract to XXXX XXXX XXXX XXXX. I liquidated most of my retirement investments ( {$80000.00} ) for a down payment to purchase the home. 

On XX/XX/2017, XXXX XXXX ( XXXX XXXX XXXX XXXX Loan Officer ) informed me that the loan was being passed on to one of their " sister '' companies " Gateway Mortgage Group '' in XXXX XXXX TX, because they could not process my VA loan. 

On XX/XX/2017, XXXX XXXX ( Gateway Mortgage Group Loan Officer ) instructed me to fill out a new loan application on-line. Immediately, Gateway Mortgage Group pre-approved my home loan for {$140000.00}. 

On XX/XX/2017, I received a copy of the loan application for my signature. I noticed some discrepancies on the application such as my loan was now a conventional loan instead a VA loan ; my gross monthly income was higher than the amount on my monthly income statement ; and the total amount of my assets was more than double the amount I reported. 

Before I signed the application, I contacted XXXX XXXX about the discrepancies. XXXX XXXX told me it was common practice to increase the monthly salary amount ; the type of loan did n't matter because of the size of my down payment ; and the total amount of my assets would be corrected. XXXX XXXX told me to sign the application and she would correct the total amount of my assets in the system. 

On XX/XX/2017 -- 3 days before the scheduled closing date -- XXXX XXXX informed me that she failed to verify the property taxes on the home I was purchasing. As a result, I no longer qualified for the conventional loan unless I increased my down payment. I informed the XXXX XXXX that I could not increase my down payment. XXXX XXXX stated I qualified for a VA loan ; however, the process would take another 30 days and I would have to pay for another home appraisal. 

On XX/XX/2017, I filed a complaint with Gateway Mortgage Group Corporate Office in Oklahoma and requested reimbursement for the money I spent due to XXXX XXXX 's negligence. Gateway Mortgage Group refunded me the home appraisal fee, but did not reimburse me for the other expenses -- claiming the expenses are " out of Gateway 's control. '' Despite their claim, it does n't change the fact that Gateway Mortgage Group misled me about qualifying for a loan and should be held liable for their actions. Further, Gateway Mortgage Group can not claim they hold " a high standard for Customer Experience ... '' when I was duped by their loan officer. My first-time home buying experience was horrible.
Person said he was law official ready to pick me up tomorrow, papers have been filed with XXXX county and will be arrested at my work place. I called back the number and asked why the phone calls to my parents, my work and myself today. Person on phone was rude and put me on hold, I waited 5 minutes and no one return. It looks to be a scam for debt collections, if so I was willing to pay as for I am in process of clearing all my debt and have 2 left on my account. I am not sure if its the account, but they would not even give me a choice to ask why they are calling me. They threaten my dad that if I don't call by XXXX today, all prosecution will take place. I have the recording they sent to my work too.
This account was charged off due to my lack of handling credit. After this account was charged off I reached out to XXXX XXXX and I paid this account in full. The agreement I had with XXXX XXXX was that they would delete this from my report as long as I pay the balance in full. I have followed up with them numerous times to no avail. I am the reason my account was charged off and do not blame XXXX XXXX at all, however their tactic to get me to pay was fraudulent and not needed. I initiated contact with them to pay this debt as I wanted to right my wrong and was told they would remove their reporting from my file.
On XXXX XXXX, 2016, Performant Financial also known as Performant Recorvery Inc. made an unauthorized inquiry on my credit report. 
Additionally, I have not received any written communication from this company to verify the debt owed.
I requested a payoff from Ocwen loan servicing. There are extra fees totaling almost {$7000.00} When I called to negotiate the fees and/or the removal of them I was denied and told that according to the terms of the loan and modification. The problem is that one is a deferred principal balance fee of {$5200.00}. That was from the modification 3 years ago. I was to have that amount removed each year for 3 years. But 3 years ago I received a XXXX for the entire amount of {$15000.00} which we had to claim as income on our tax returns. So therefore according to our records with the IRS we have already paid taxes on that income ( which also changed our tax bracket to a higher bracket ). 

When I called today I was told this will not be removed. 

I would like this formally investigated and reviewed.
Noticing a XXXX credit card on my credit file which I never applied for anything of that nature yes I am a victim of identity theft someone was apparently stealing out of the mailbox at my mailing address they obtained my personal information my old phone number my social which was on mail from the social security office. My complete identity was stolen to the point they even act like they were me to get access to my credit report information and change things on there.
I have been trying to get a unemployment deferment as I graduated XX/XX/XXXX from the University XXXX XXXX XXXX. As my understanding goes that means as of XX/XX/XXXX I should be eligible for up to 6 months of unemployment deferment. I have been trying to obtain and fill out the paperwork to get the last 3 months of this unemployment deferment for the last month ( It is currently XX/XX/XXXX ). Phone calling Navient takes a minimum of 10 minutes to even reach a person. Then after wasting your time they often do n't help you at all. All I needed was a simple 2 page form for unemployment deferment which I am entitled to. They said that they would send it out at " midnight '' because their " system '' sends out all their emails and attachments in one big batch. Sounds like a scam. I think that Navient purposely makes this process unbearably long and takes unreasonably long amounts of time to even do something such as email you the form when the form should be available instantly on the website. Needless to say I did not receive the form. I eventually was able to get a hold of it by searching around and finding a general email address for complaints, then I was contacted 10 days after this email by someone with the form. I think they do this so that you are forced to make payments instead of defer it. I also think that they make it very hard to find an email address to use because they do n't want people having evidence in writing of such unacceptable practices. I had to make one payment already because they were taking so long to send the form, now that they sent it after 10 days they want another 10 days to " process '' the form. Each payment is for XXXX . I no doubt will have to pay another XXXX $ because their processing time is so long. My impression is that this is a system designed to lag in every aspect in order to accrue as much revenue as possible at the expense of me.
I have been receiving harassing phone calls from Navient. They claim they 're calling to collect a student loan debt, but I am in school and all of my loans are in deferment. I have also asked them repeatedly to stop calling my cell phone, but they refuse to stop. I was also advised today by a representative that they will continue to call me and there was nothing I can do about it. They call me everyday at least XXXX times a day, and I can not deal with it. I have tried blocking the numbers they call from on my iPhone, but the calls continue.
On XX/XX/XXXX, I, XXXX XXXX, contracted a lease/rental of the home located a XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX to XXXX XXXX XXXX. 

I live in California therefore she indicated that she deposited the amount of {$2900.00} to my Bank of America account in California on XXXX. 

The above amount would cover two months of rent in the amount of {$1000.00} each month and {$900.00} as a deposit. 

On XXXX XXXX XXXX XXXX texted me to let me know that she didn't want to persue the House Lease because she was moving to XXXX therefore she wanted her money back. 

I went to the Bank of America ( branch # XXXX XXXX and XXXX ) to check in person if the check had been cleared and I was told that the money had arrived to my account. 

So, on XX/XX/2019 I sent her money back through a wire transfer to her account at the XXXX XXXX XXXX XXXX in the amount of XXXX. ( I discounted from the total amount {$2900.00}, a fee of {$250.00} and {$30.00} of the bank wire cost ) On XX/XX/XXXX I recieved an email from Bank of America stating that the check sent from XXXX XXXX in the amount of {$2900.00} had no funds available and Bank of America was requesting payment for their loss. 

I belive the bank is responsable for the error in which they failed to check the funds for the check that was sent and should not charge me for that amount since I was advised by one of its bankers that the money had been deposited. 

I spoke to Bank of America several times and they dont want to take responsability. 
I have never asked Bank of America to deposit money into my account that is not mine. Also I have another accounts with Bank of America and without my authorization they took funds to cover the ovedrawn from the affected account and this is not fair bussines
Borrowed {$13000.00} in XX/XX/XXXX Current interest Rate 8.500 % We were charged late fees while loan was on auto pay. Also, we were charged interest while loan was in forebeance. Currently, loan is now XXXX and will be paid off in XX/XX/XXXX. 
I am the Co-signer and would like to pay offf loan, however, Navient will only settle for the above loan amount. I need advice on how to negotiate or not at all? I understand the California Attorney General has filed against Navient. Another question, should I just wait before settling with them?
I just accessed ChexSystems ( XXXX/XXXX/16 @ approx. XXXX ) to request my consumer report. Once I entered all my information, including Social Security Number and date of birth, I could not submit the request due to the fact that the system stated the verification code was incorrect. I repeated entering a different code 4 times. After the fourth time I got the message that an error had occurred. 
I experiencd this same problem a few days ago when I attempted to order my XXXX consumer report. 
I would like CFPB to investigate whether this is a tactic to limit consumers from getting their reports.
My doctors office is charging me for a lab report that I never got the results of. I called the office and asked for official written results of lab but they sent it to me.
This company by the name of Portfolio Recovery has bought a bad debt from XXXX XXXX bank and Portfolio Recovery service has Re-Aged the open date when they bought this bed debt from XXXX XXXX XXXX I have tried calling XXXX XXXX XXXX they have no records of this debt also I have requested Original Contract of this debt Portfolio Recovery Keeps sending me letters stating I owe this bad debt they bought how is the law allowing them to Re-Age or change the original Open date this is false open date there is no original contract this is a bad debt. Portfolio Recovery needs to delete of my records permanently