WillisBack/dataset-financial-user-claim huggingface dataset:
We were in BKXXXX, which has now been completed as of XXXX XXXX, 2017, according to court records. Our payments have been XXXX. NationStar force placed insurance, increasing our payments to {$1200.00}, according to my documentation from them, as well as the courts. However, we have received information from there website that our payments are {$2100.00}. We have called and ask for an explanation but we kept getting transferred, place on hold and transferred again. We are right out of bankruptcy XXXX, along with the fact that the bankruptcy itself was a nightmare ( separate complaint to follow ) we are again faced with hindrances, making if nearly impossible to move on with our lives, because one department does not know what the other is doing.
I had an outstanding balance of {$300.00} due to XXXX XXXX that I was not aware thinking insurance had paid for it. Since I was not aware of this balance, it eventually went to IC System collection. When they called for the very first time, I was informed they were trying to collect a bill for {$400.00}. I told them I was not aware of it and they followed up by providing the statement from XXXX XXXX for {$300.00} plus a XXXX collection fee. I informed them it was unfair to charge me a 35 % collection fee as I was not aware it and it very excessive. 
I told them I would pay the due amount or at least reduce the fee to a honest amount. 
They would not here it and told me I had to pay full amount or destroy my credit. Which they did the following month byt reporting a collection item on all XXXX credit bureaus. 
I am still willing to pay the correct due amount and hoping the negative information be removed from my credit report. 
XXXX XXXXXXXXXXXX
I ordered my credit report from all three bureaus from XXXX. Once I got them and looked them over I noticed unauthorized activity [ FRAUD ] on all three credit reports. When I saw this, I contacted XXXX  and XXXX immediately -- They acted IMMEDIATELY with disputing the unauthorized items on my credit report, and they placed a fraud alert on my account to protect me from Fraud. Their services were awesome, and they were so kind. CAN'T SAY THE SAME ABOUT TRANSUNION. I contacted them, and told them that I have unauthorized activity on my account [ INQUIRIES THAT I DID NOT AUTHORIZE ] and they completely gave me the run-a-round, saying they couldn't and would not help me. The people I talked to were rude. They have no IDEA the trauma that goes with fraud. It's sickening to know that these people won't even help someone that's experiencing something like this. The only thing I needed disputed and deleted were ten inquiries that I DID NOT make.
Just reading about a suit brought against Navient and XXXX with respect to borrowers rights. I have had, and still do have, loans with Navient. In an effort to speed up my loan repayment and minimize the interest earned against my loans, I had set up biweekly automatic payments through my personal bank ( similar to what most people do with their mortgages ). For example, if my student loan bill for a month was {$100.00}, I would make two payments of {$50.00} prior to the due date of that month 's bill. This repayment method, however, created significant issues with Navient and caused me to incur several months of late payment fees which I would have to fight in order to have them removed. Not to mention, I was not able reduce my debt burden by reducing the principle to which interest would be accrued against. The issue lies in the fact that while I would only see a monthly bill for {$100.00} ( using my prior example ), Navient would actually view it as multiple " bills '', depending on how many loans I had with them. So my {$100.00} bill may be viewed to them as XXXX loans with monthly payment balances of {$40.00}, {$30.00}, {$20.00}, and {$10.00}. So if I made an initial payment of {$50.00} towards my monthly bill of {$100.00} to Navient, they would apply the {$50.00} first to any outstanding penalties. Next, they would take the remaining and apply it towards the interest due for the month. Finally, whatever may have been left over would go against the loan with the highest principle remaining. Sticking with my example, and assuming no penalties, my initial {$50.00} payment may cover the interest due ( say the interest was {$35.00} ). The remaining {$15.00} would go towards the loan with the highest remaining principle. My second {$50.00} payment would also go towards the loan with the highest remaining principle. Although I have fulfilled the amount due on my monthly bill, Navient views the other XXXX loans as not having been paid for the month because the monthly principle payment for those loans was never satisfied in my two payments of {$50.00}. The next months bill would reflect a late payment penalty as well as a balance due for the previous month. This went on for several months until I had to finally give in and resort back to a single monthly payment. I could n't afford the risk of having to call every month to fight for my payments to be distributed correctly in order to have any late fees and penalties removed. 

I can provide documentation of bills that received the full monthly balance due but still incurred penalties due to Navient 's mishandling of payments.
Good afternoon, As of today, I am a little over {$10000.00} in the arrears. My loan was sold to XXXX XXXX XXXX  and I was not contacted. I did a modification with XXXX XXXX ( former lender ) in XX/XX/2018. I made all payments according to our agreement. Once I made the last payment, I waited for correspondence from them giving me my new mortgage payment and date to start paying it ... .it never came. The following month I went online to pay, it stated congratulations your loan is paid in full. And once I went into my account, it showed a CREDIT in the amount of my last payment. 


It wasnt until a few months later ( with no notification from XXXX XXXX ) that I realized my loan had been transferred to XXXX XXXX XXXX. And they will not allow me to catch up. They keep stating that they have started paper work for foreclosure and will not accept any money from me unless I pay arrears in full. As each month goes past, the amount gets larger and my income is limited, so I dont have anything saved. I even asked if I could pay a bigger mortgage payment each month until arrears are caught up and the answer is NO. MeanwhIle, XXXX has never called me once to collect payment or tell me I was sold to them and no email from them either. XXXX XXXX has all of my demographics and they havent changed in years.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Diversified Consultants. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Thank you,
the problem, loan depot authorized the power of attorney for my spouse. to sign for him., I was told, since they approved the POA XXXX HAD TO APPROVE ALSO. IF XXXX REFUSED THEY WOULD TAKE IT TO AN ATTORNEY.. I sent a signed XXXX loan approval 2 weeks ago,, since then I called two times to see what was going on, XXXX times, I was told, IT WAS IN PROCESS OF BEING SENT. I called yesterday to find out what was going on I called XXXX and XXXX, neither one called me back. they had my account for almost 4 months. today I receive a call, that they could not process my refinance, because, they did not approve my POWER of attorney.. my XXXX app never went to XXXX ONE MINUTE THEY APPROVE MY POA, NEXT TIME THEY SAY THEY DID NOT APPROVE IT. THAT is a violation of his rights. also taking al most 4 months to process, which they did n't. that is my complaint
I have sent three separate letters to Equifax dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking Equifax to provide me with VERIFICATION of the below mentioned accounts reporting on my credit report. Equifax has repeatedly ignored my requests and repeatedly violated section 15 U.S.C. 1681 of the FCRA.

They have instead, negligently forwarded my requests of EQUIFAX to verify over to the furnishers of credit. These SAME furnishers have responded each time by UPDATING different information on my credit report which further lets me know that not only does Equifax not keep documents to verify that a furnisher is reporting accurately but they also do not verify that the information being sent to their crediting reporting agency is accurate either from the numerous updates and corrections supplied by these furnishers. 

Equifax 's negligence to disclose to me all of the documents that they have recorded and retained in their file concerning the accounts in question has made it difficult for me to receive the best possible rates on loans which in turn has caused me to suffer to spend more out of pocket than I would have to if Equifax would simply comply with the federal law. 

I am sure that Equifax is well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilites to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burder back to the consumer and the credit grantor can not fulfill the obligations impost by 1681 ( a ) ( 4 ).

The following accounts are in question : 1- XXXX XXXX XXXX XXXX XX/XX/XXXX 2- XXXX XXXX XXXX opened XX/XX/XXXX 3- XXXX opened XX/XX/XXXX 4- XXXX XXXX XXXX XXXX opened XX/XX/XXXX 5- XXXX XXXX XXXX opened XX/XX/XXXX 6- XXXX XXXX  XXXX opened XX/XX/XXXX 7- XXXX XXXX XXXX opened XX/XX/XXXX 8- XXXX XXXX  XXXX opened XX/XX/XXXX
Attempting to collect a debt of {$830.00} in XX/XX/XXXX which Ive been having health insurance since XX/XX/XXXX.
XXXX XXXX XXXX have filed via XXXX XXXX. that I owe them {$160.00} for services on XX/XX/16. 
I was quoted by Manager {$110.00} for the service. 
The cleaning was very inadequate and 5 items were missing from my home. 
I attempted to work things out about the pricing and that things that were missing but the Manager never responded to my call. I called again the next day and explained the situation and the Manager ... .just sat on the phone not responding! Never said a word!!

My XXXX comments never even got a response!
I currently have a XXXX Honda Crosstour that needs a new axle, but this part has been on backorder since XXXX XXXX and ca n't be found anywhere. I 've tried ordering the parts a couple of times with no success. Due to my axles being bad it has caused the thread my tires to show which is extremely dangerous for me and my children to ride around in. I do n't have the money to get the tires at the moment but getting new tires will not fix the problem if the axles are still bad. This car is my only means of transportation for me and my children and I need something that is safe and reliable.
RE : Additional Fees in amount $ 250.00Time and time again I am continuously filing a complaint again BANK OF AMERICA HOME LOANS. 
I am fortunate enough to have an outstanding program like SAVE THE DREAM to nurture my frustration ; however BANK OF AMERICA is continuously trying to abuse the system. I was informed by my counselor ( XXXX XXXX ) at working in our neighborhood that I must monitor all payments. Before applying for service I was informed that working in our neighborhood/Save the Dream would contact my mortgage lender ( Bank of America ), for the total amount including attorney fees, pass due fees etc. This would have me current and up to date on payments! WELL THAT IS NOT THE CASE! Bank of America provided the total dollar amount to Save the Dream to have me current in the amount of {$17000.00}, for XX/XX/XXXX, however Save the dream was billed {$18000.00} which was paid to Bank of America. I received an additional statement from Bank of America for the month of XX/XX/XXXX in the amount of {$1400.00}. The XXXX prior payments have the following : Additional Charges Overdue payments, fees and charges for XX/XX/XXXX {$330.00}, XX/XX/XXXX {$330.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, and XX/XX/XXXX for {$250.00}. 

When I notified Bank of America customer service department transferred me to their foreclosure department who informed me that those additional fees are for attorney fees, foreclosure fees etc. I informed her that those fees were included in the payoff amount to get me current. Needless to say nothing was resolved! I believe that BANK AMERICA is abusing the system/program and need to beinvestigated. The following document is my current mortgage statement. Also I have listed some of my current complaint claim number below : Attorney General # XXXX ( Fiscal XX/XX/XXXX ) Federal Trade Commission CLAIM # XXXX Attorney General claim against Countrywide Home Loan XXXX # XXXX Consumer Financial Protection Bureau Case # XXXX Federal Trade CommissionXX/XX/XXXXI called Bank of America because I did not receive my XX/XX/XXXX statement, however they informed me that XXXX payment has been made and my next payment is not due until XXXX XXXX, 2015. I informed XXXX at Bank of America that I still would like my XX/XX/XXXX statement. I called Save the Dream and spoke with XXXX who informed me that they have made my payment to Bank of America in the amount of {$1100.00} and the additional {$250.00} for XX/XX/XXXX payment.
Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX   CAPITAL ONE    XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX   XX/XX/2017    VIA : Certified Mail #    XXXX    Re :  XXXX  CREDIT REPORT #  XXXX  ( 1 ) U NAUTHORIZED INQUIRIE (  S )  Consider this notice that you  have 30 days to respond point by point and with validation exactly accordi ng to the points in the attached validation letter or this stands as evidence in law that no debt is due to you.     Further, as a Consumer and since  CAPITAL ONE did   not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$1000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$1000.00}.         BY :  XXXX   XXXX   XXXX  XXXX  XXXX
I had an overdraft for a {$160.00} and paid it i am still getting mail from XXXX and others the amount was paid and cleared
on XX/XX/2017 I went into the Macys store in XXXX in XXXX Illinois to make my payment in full that was due XX/XX/2017. The payment was done by electronic check and when the payment cleared on my bank statement I destroyed the check. Macys sent me a bill the following month that st5ated no payment was made and billed me late fees and finance charges. Macys took my money and applied it somewhere but not to my account. I contacted XXXX bank and filed fraud claim number XXXX on XXXX to date macys has my money and XXXX has not advised if they were able to trace the funds.
Is selling my self directed account to XXXX XXXX. I will lose alot of money when they do that because i own 65 partial securities that are currently losing money. XXXX XXXX does not allow partial securities. So i will be forced to take a cash equivalent loss. 
And XXXX does not allow what they refer to as unusual access. So i wont be able to trade when iam overseas. Which is 9 months out of the year. 
Can i force capitaloneinvesting.com to not sell my self directed account? 
XXXX XXXX
Capital one fradulently charged my credit card in favor of XXXX despite I informed them I have not used the card for the purchase. I demanded to show them my authorization for the purchase but so far they have been declining to do that.
This debt has already been previously disputed and deleted from my credit report. This company continues to sell this debt to other companies. 

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt  collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 
XXXX XXXX bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
I filed an dispute with XXXX on XXXXX-2017. XXXX, XXXX to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised, XXXX that they are allotted 30 days to provide disputed results to me. Never received correspondence from XXXX.
A severe violation of the FDCRA law has occurred, particularly FCRA 611 Procedure in case of disputed accuracy ( 15U.s.C. 1681i ) Requirements relating to reinsertion of previously deleted material. Because I have been a victim of fraud, I have credit monitoring services for Transunion, XXXX and XXXX to keep me abreast of any changes to my reports. On XX/XX/2017 I received notices that from XXXX and Transunion both that they had deleted an collection account from my report, XXXX, I went to verify and sure enough it was deleted. However, when I went back to check it was reinserted on XX/XX/2017. The law states that a consumer reporting agency shall provide to a consumer in writing no later than 5 days after the reinsertion date. To date, I have received no such notice. This is a complete violation as I have not been notified and when I called the Special Handling Department and spoke with a US Agent, they said that it was nothing they could do unless I disputed it. However according to the law they FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THAT IS NOT TRUE. 
I am desperately seeking your help to get the XXXX account removed from my Transunion credit report because they violated the law and re-inserted it.
I filed for divorced two year ago and my estranged husband knows my information created an Equifax without my knowledge or constant. Equifax never asked me or let me know anything. I just found out yesterday when I wanted to check my credit on Equifax and tried to make an account. It said an account was already made and it was his relative 's email address that was registered. Equifax would n't disclose the credit card number or name on the person who ordered. I am upset that anyone can pretend to be me and order my credit report without me ever finding out. I called all the credit agencies and put it on lock and fraud alert. I went to the police station and made a report.
I am submitting this complaint in light of the account opening/sales pressure issues at Wells Fargo. These events occurred in XXXX, but i could not get answers to any of my inquires at the local branch, by calling the XXXX # or by written complaint to the corporate offices. 

I have been a corporate client of Wells since XXXX and opened a personal checking account there about 8 years ago. Online access was established on both at inception. In a letter dated XXXX XXXX, XXXX, i was informed that online banking had been established for the corporate account by an authorized signer. Within a few days, i received additional correspondence, including references to overdraft protection on a new checking account - linking it to a savings account ( neither of which i opened ) and a debit card. I immediately pursued how these accounts were opened. No one attempted to provide any answers and after hours at the branch and on the phone, i just submitted the written complaint to WF and monitored my accounts. I did not suffer any financial loss ( as far as i can tell ), but there was certainly a lot of activity occurring under my name that was not authorized.
My significant other & I have been in a Loan Modification process for several weeks with Capital One after receiving a Notice of Foreclosure Sale. The last sale date had been set for XXXX XXXX, 2016, and because we had submitted paperwork, they moved the sale date out to XXXX XXXX. Last week, XXXX XXXX, we faxed them updated bank statements - the last documents they requested. This week Capital One said they had all the documents and that our file is now with the Loss Mitigation Underwriter. I have been checking the Trustee 's foreclosure sale website and it is still showing a sale date for next Friday, XXXX XXXX, 2016. I spoke with XXXX on Thursday, XXXX ; and XXXX on XXXX at Capital One and was told by both of them that XXXX was going to contact the Trustee 's office & have the date postponed or canceled. Since, as of today, XXXX XXXX, the Trustee 's website had n't changed, I contacted them directly and they stated that had n't received any further communication from Capital One since the request in XXXX for moving the date back to XXXX XXXX. I 'm interpreting that they had asked the Trustee to move it back approx. 30 days, which would put it on or around XXXX XXXX, 2016. My complaint is that since we are in a full loan modification process, they can not still be pursuing an active foreclosure process. This is dual-tracking and my understanding is not allowed.