WillisBack/dataset-financial-user-claim huggingface dataset:
The problem : In XX/XX/2018, we returned a car that we had leased. The leasing company is billing us for the property tax on the car for the entire 2018 year. When asked why not just bill us for the 4 months i.e., XXXX, and not for the whole year, the response was that the state had billed the company for the full year ( probably in XX/XX/2018 ) and so this was the company policy. The leasing company states that they have applied to the State for a refund ( after we questioned the bill ) but that we have to pay in any case and they will send us the credit when it arrives. The Leasing Company : XXXX XXXX XXXX The State : Virginia The amount : {$380.00}
Beginning with XXXX XXXX XXXX selling my loan to Seterus, debt collection their customer assistants and " supervisors kept informing me that I had filed for bankruptcy ( I have never been in bankruptcy ) 3 months and numerous phone calls yielded only idol promises that it would be taken care of without any success, so I could not make my first paymentand then a second payment and into the third payment which were in my bank waiting to be processed to Seterus. I finally spoke to someone that returned my call 20 minutes after we had spoken to inform me that I was right there was no bankruptcy but now they would need all 3 months of the mortgage including late fees. Due to a hardship I have fallen behind 2 months on my payments and had filed for modification. Once again the constant problems continue either I was getting letters stating they had not received all paperwork that had been included in the first request. Resent paperwork 3 times now. They were going to allow a forbearance due to a box that was checked, on the paperwork, that should n't have been. Resent All required paperwork once again with a detailed hardship letter and now less then two weeks later have now received a letter stating they can not approve me for a modification due to fannie mae stating that my financial information has been determined that I am not at risk of default because I did not document a financial hardshiop that has reduced my income. Could n't have been much clearer than then the hardship letter explaining my part time job had been discontinued in XXXX thereby deducing XXXX a year less. And because I am a senior citizen, plus, I really have very little options on positions in my marketplace. This would seem to be a conclusion for any cooperative company that it will be difficult to continue my current mortgage payment at the amount it is at now. In addition have received two letter stating that they are going to start the procedure for foreclosue. ( What ) I have equity in my home I can sell it but because this spot and land has been in the family for 70 years and my husband and I built this home 24 years ago ( he passed away XXXX ) I really choose to be able to continue living here. 
I have worked in the real estate and mortgage company for 40 years but I have never found a more difficult and almost impossible, to understand, company as XXXX has been.
I have been paying my debt with Gurstel Law Firm XXXX consistently and going by my calculation I have paid more than {$5000.00}. However, whenever I call Gurstel Law Firm XXXX to give me the breakdown of what Im paying off they refuse to do that. I would like to know what Im paying off such as attorney fees court fees, and how much is paid toward the balance. 
I believe Im being charged frivolous charges thus why the company refuses to give me the breakdown of the balance. I have contacted the company for many months and they keep telling me that they can only send me the total balance without the breakdown. 
Attached I the letter they have send to me every time have called but it doesnt help me without knowing the breakdown for fees and changes they are charging me. Please help me regarding this matter.
I have had a fraud alert on my file for over 10 years and somehow creditors pull my file without my consent. I've contacted the creditors and asked that they remove these inquiries as they aren't factual request made by me. I've called the credit bureau on several times demanding removal as this violates the FCRA. The FCRA clearly states that the only permissible purpose for pulling someone's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order and the following inquiries DO NOT FIT ANY SCENARIO LISTED ABOVE. 

XXXX XXXXXXXX & - XX/XX/XXXX ; XX/XX/XXXXl XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX-XX/XX/XXXX ; XX/XX/XXXX XXXXXXXX XXXX-XXXX XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXXXXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXXXXXX XXXX-XX/XX/XXXX XXXX=XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX=XX/XX/XXXX XXXX XXXX=XX/XX/XXXX XXXX XXXX-XX/XX/XXXX
I have a loan with Nationstar Mortgage I had a trial payment of XXXX with an income of XXXX. I had to request 5 times that they take the money out of my account. I was XXXX short I informed them that I would the XXXX dollars would be taken from a XXXX XXXX account. The employee at Nationstar said he could not process a payment under XXXX so he refused to process the XXXX dollars then report me to the Dept of Treasury so I can no longer be eligible for the Hamp program that was done on purpose. I should still be eligible for Hamp that was a false forced information. Since when do you have to beg a lender to take funds. At this time I am stuck with their program of their choice. 
Desired Resolution : Hamp Program Loan with supervision from Hamp personnel. 
My Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Product : Loan from Nationstar Mortgage. Texas USA
On XX/XX/XXXX, a merchant presented an electronic funds transfer ( EFT ) charge to withdraw money from my checking account using my debit card number. This charge was presented without my knowledge or consent and was not accompanied by a signature or PIN input. 

The amount of the withdrawal ( {$1600.00} ) exceeded the amount in my account. In spite of this, bank personnel put the charge through causing my account to be overdrawn. SunTrust offers overdraft protection but I elected to decline this service, preferring that SunTrust decline any transaction for which funds are insufficient. This agreement has been on record in my customer profile since XX/XX/XXXX. 

I incurred overdraft fees and authorized charges were declined. A few days later, the entire balance in my savings account was taken without my knowledge or consent to partially cover the overdraft. Subsequently, a {$500.00} credit in my charge card account was taken as well. Later, when it was time to renew my charge card, SunTrust declined to renew the charge account even though the account had a positive balance from the day it was taken out. I have been attempting to regain my charge card ever since, most recently when my XX/XX/XXXX application was declined on XX/XX/XXXX. I have been told that this may be due to " overdrafts '' showing on my account. The only overdrafts on this account were due to the fraudulent withdrawal on XX/XX/XXXX. SunTrust was notified in a timely fashion of this incident and, per bank procedure, a notarized affidavit was submitted to SunTrust fraud department on XX/XX/XXXX. 

The only party acting irresponsibly in this affair is SunTrust Bank. I am asking them to reinstate my charge card and to expunge any negative credit information referable to this incident. Thus far, SunTrust has been unwilling to do either.
I received a loan through Santander consumer USA from carmax. I went one month with out having the car in my position from day of purchase. XXXX was unable to fix the to my satisfaction so I then informed Santander that it was a strong possibility that I would not be keeping the car so they moved the car note due date back to give them time. SANTANDER NEVER TOLD ME THAT THEY WOULD BE CHARGING ME HIGH INTEREST CHARGES DAILY!!!!! They informed me via phone that it was n't there job to tell me that!! They are faceing lawsuits in the millions every year because of there sneaky practices an I plan to follow suit
XX/XX/XXXX I purchased my condo and took a mortgage with XXXX XXXX. After close, the loan was sold to Nationstar XX/XX/XXXX. This morning I called Nationstar and asked them that if I was to pay an additional lump sum amount toward my principal, how would they treat it ( a ) reduce monthly payment, or XXXX b ) reduce loan tenor or ( c XXXX a combination XXXX Nationstar responded that I could pay down on the principal but they would not reduce my monthly payment nor issue a revised/shortened amortisation schedule. Their reason being that they are a servicer and can not run new amortization schedules. When I asked, how would I know the final maturity date on my loan, they said I could figure that out on XXXX or go to bank XXXX As for how my monthly payment is being applied, they said I could see that each month on my statement, but they could not issue a new amortization schedule. 
I find this disturbing and hard to understand - As a servicer if their system can generate invoices and apply payments then its not possible that it can not generate an amortization schedule. So I am not convinced that this is a case of 'inability '. It appears more to be their unwillingness, in which case I question their integrity i.e. what do they have to hide? why this lack of transparency to how a customer 's money is applied and maturity date. 
Is this even legal? Can they take my money but refuse to modify payments or amortization period? The Nation star customer service manager said I could modify maturity through refinancing!!!! So while the contract says there is no pre-payment penalty by forcing me to refinance to get a new amortization schedule they are making money off me in another way. Seems like my choice is to be stuck in a 30 year mortgage or pre-pay and rely on their word that they will correctly apply my monthly payment to a reduced principal balance and keep paying with no line of sight to final maturity.
XXXX XXXX XXXX XXXX came back saying that I didnt have title insurace i Paid {$600.00} it was documented they lied about this saying I didnt have any. Furthermore they said I received {$84.00} check I never did get any check like that please have them send copy to me there is no and satisfaction letter was not discharge of mortage The Court did not accept this The Court said that they did not d this properly. XXXX XXXX agrees this was their mistake and didnt do it properly. How can they get away with lying like this this is so wrong. There was a lien left on my property. They did not do the title work properly. Will be faxing the documents showing all this too big they wont let me attached files called the CFPB and they said just to fax it and send with complian number so I will be doing that.
Following a recent review of my credit report at the XXXX, Experian and XXXX consumer reporting agencies, I learned that XXXX XXXX ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2004, I deserve more.
I AM UNABLE TO OBATIN MY EQUIFAX CREDIT FILE OR SCORE. 
PREVIOUSLY I WAS ABLE TO PULL MY REPORT UP UNTIL XX/XX/XXXX THEN ON XX/XX/XXXX I TRYED REQUESTING MY FILE TROUGH XXXX AND I WAS ADVISED BY BOTH XXXX AND EQUIFAX THAT MY FILE IS MISSING MY SOCIAL SECURITY NUMBER AND FOR THAT REASON I AM UNABLE TO OBTAIN MY REPORT! 

I SPOKE TO THEM SEVERAL TIMES. 
EQUIFAX HAS BEEN GIVING ME THE RUNAROUND THE HAVE BEEN RUDE UNPROFESSIONAL AND UNCOMFORTABLE. I WAS ADVISED BY GLOBAL EQUIFAX ON XX/XX/XXXX THAT THIS ISSUE WAS FIXED AND I WAS NOW ABLE TO OBTAIN MY REPORT TODAY XX/XX/XXXX I TRYED AGAIN AND NO LUCK THEY DID NOT FIXED THIS ISSUE. I CALLED AGAIN XX/XX/XXXX AT XXXX AND NOW THERE TELLING ME THAT MY FILE STILL HAS NOT HAVE MY SOCIAL ATACHED
refinanced house in XX/XX/XXXXwith XXXX XXXX first payment was XX/XX/XXXX, after pulling first payment transferred the servicing of mortgage to Freedom Mtg as of XX/XX/2018. Please see credit report FREEDOM reported the $ XXXX loan XX/XX/XXXX, and loan servicing transfer letter authorizing them to as of XX/XX/XXXX. Freedom MTG illegally reported the loan as of XX/XX/XXXX, XXXX reported it XX/XX/XXXX. As you will see the credit report shows I owe $ XXXX for mortgage on my house. My credit score is in a free fall. I went to get personal loan to clear up the rest of my dept. and was denied because both companies reported I owe them $ XXXX. I am sure I am not the only one this is happening to.
I have contacted this company twice and they refuse to correct the errors on my report. They are indicating the information is accurate. The 2 other credit reporting agencies have corrected my report. I have asked them to remove incorrect names on my report.

XXXX XXXX XXXX - This is incorrect I have no knowledge of who XXXX XXXX XXXX is nor have I ever been related to or associated with any with this name.

XXXX XXXX XXXX - This is an incorrect spelling of my last name.
To Whom It May Concern TransUnion 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX when I pull my credit it state that I just moved to the location I HAVE BEEN LIVING IN THIS ADRESS SINCE XX/XX/XXXX Have enclosed a copy of XXXX bills THIS ADRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX IS NOT MY ADRESS PLEASE DELETE Please update my phone number to my public profile XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX XXXX XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Almost a month ago my account went negative and I was immediately assessed fees. Before I could get back on my feet and cover any of the charges, the bank continued to allow charges to go through and while doing so assessed fees each time. I have been charged over XXXX fees adding up to more than XXXX dollars. I had a XXXX account with them and they took the money I had out of that account to cover the balance without any warning causing my other account to become negative. They XXXX charged XXXX fees to that account as well. I have not been able to catch up and they took all the money that I did have, so now I am unable to do anything at this moment. I can not even pay my rent. The XXXX time I called about the fees, they refused to help me at all.
Got a letter stating i owed a cell bill. I contacted XXXX and notified them i did not own this phone and this was part of ID theft. A short time later I received yet another bill from XXXX. I contacted them yet again to let them know that this was a fraudulent account. They ( XXXX ) told me i would have to obtain a police report which I did. Detective XXXX XXXX from the XXXX TN Police Dept., sent XXXX the copy of the police report. Sometime after that the fraudulent account was handed over to a collection agency in my name and put on my credit report. I have been fighting this going on several years now with no resolution to this matter. 4 years later I am still actively trying to get this removed from my credit report.
Citizens Bank checking account overdrafts and fees 1 ) instructions by me not to pay any overdrawn amount repeatedly ignored 2 ) overdraft policy poorly defined 1 month only overdraft paid is scheduled payments not debit purchases after funds not there only to have it change and debit purchases allowed but scheduled payments returned only 5 days after they post to account ie I made two credit card payments within 30 seconds of each other because I have two cards with one company. Almost a week after they posted to my account one of the payments was reversed meaning my account was charged overdraft fee when it posted and return fee when it was arbitrarily sent back. A week later a scheduled payment was paid posted to my account then a week later returned. Overdrafts are allowed to accumulate and then at an arbitrary time card is constantly declined. Over a year ago I repeatedly requested no overdrafts because every manager I talked to defined it differently how and what debits are allowed as overdrafts. This refusal to follow my instructions has resulted in high overdraft fees every month resulting in THosands of dollars paid in fees over the life of my account.

3 ) Six months ago I deposited check from company. Bank sent letter saying extended hold placed on it. Bank sent letter within 3 days of deposit saying would not honor check. My bank app showed that the check amount not credited to my account but their register showed it being deposited delaying fund depletion but when sent back I incurred fees and overdrafts These policies make it too difficult to manage account to prevent overdrafts but the bank does not seem to allow me to request no overdrafts. I am XXXX in constant pain and the mental process of managing condition causes lapses in my ability to manage funds using online tools that is why for over a year I have requested no overdrafts to be allowed. The arbitrary overdraft policy assures bank of monthly overdraft fees and a {$30.00} a week extended overdraft fee costing me thousands of dollars in overdraft fees. Over the years my complaints have resulted in some fee reversal but it is nothing compared to money I have lost.
XXXX XXXX bank sold my mortgage and did n't notify me in a timely manner. USBank bought my mortgage and did not notify me in a timely manner.
A fraudulent transaction was made using my XXXX account in the amount of XXXX to a XXXX, made on or around XX/XX/XXXX. The last authorized transaction was made to my GF, XXXX XXXX, over a year ago. I rarely use my XXXX account and it appears the person, XXXX, sent a money request and the person ( s ) whom hacked into my account approved it and used my card on file. I believe the persons are all working together as I do not know the person, XXXX and she appears to be selling herself as XXXX is listed in her user name on XXXX. I reported the transaction as fraud to a XXXX via live chat on XXXX on XX/XX/XXXX, an XXXX emailed me yesterday, XX/XX/XXXX, she stated my claim was denied but did not disclose what actions were taken to investigate. As I stated before, I do not know the person whom funds were sent to, I would not send money to someone I do not know and again, it appears she is a XXXX worker whom is selling herself. I would advise XXXX to reverse transaction, take funds out of the receiver 's account and close my account as well since I do not use it, the last transaction made by myself was to my GF, XXXX XXXX which was over a year ago.
OCWEN LOAN SERVICING PLACED UNAUTHORIZED FLOOD INSURANCE ON MY BEHALF WITHOUT MY KNOWLEDGE AND/OR PERMISSION. THEY HAVE BEEN DOING SAME FOR FOUR YEARS. THE HAZARD INSURANCE I KNEW ABOUT BUT CONVENIENTLY NOT THE FLOOD. I DID NOT KNOW I WAS REQUIRED TO HAVE FLOOD INS. NEXT THEY ARE PRICE GOUGING. I NOW KNOWING THIS AM GETTING MY OWN FLOOD INS FOR XXXX, THEY ALREADY TOOK MY MONEY AND ESCROWED FLOOD INS. FOR XXXX. THE ONLY WAY I FOUND THEY WERE DOING THIS WAS THEY TOLD ME MY ESCROW WAS SHORT.
On XX/XX/XXXX I returned from an overseas cruise to XXXX XXXX XXXX Florida, upon my arrival I rented a car and drove to XXXX Florida which is a three hour drive, once in XXXX I stopped a the XXXX XXXX ( XXXX ) and shipped 5 items to my XXXX, Maryland address this charge is clearly stated on my cards statement. On the same day minutes later someone at a XXXX at XXXX XXXX XXXX in XXXX XXXX, CA. Removed {$82.00}, 6 times in a row I was also charged {$2.00} 6 times at the time of this Theft I was attempting a purchase at XXXX restaurant which was declined even though I had an additional {$300.00}. XXXX in my account upon this problem I call XXXX and was disrespected by numerous customer reps. suddenly my account was closed and it was said i did something wrong but no one could tell me what it was. 
Finally on XX/XX/XXXX XXXX claimed to be sending the remaining {$300.00} in my account to date I have not received my money nor has XXXX attempted to fix this obvious problem and return my {$810.00}. I can not be in Florida and California at the same time. 
also my card had been replaced 4 times without my request an all XXXX did was say it was a security issue with them.
I received a {$100.00} prepaid giftcard that was stolen and {$93.00} of it was spent. I opened up a dispute to try and get the money back on my card and waited 90+ days. I called several times and was told that the funds were cleared in my favor and would be back on my card this past week. I looked at my account and there was nothing there. I called and got the same canned response saying it might take 45-60 days when it's been over 90.
About XXXX months ago my credit score was in the XXXX, then it went down to XXXX and now it is down to the XXXX I do n't understand what is going on. I looked at my credit report and do n't see any changes. There is no one to talk to at any of the phone numbers. I need to speak to someone and inquire about the drastic drop.