WillisBack/dataset-financial-user-claim huggingface dataset:
My bank sent an online payment to one of my creditors. The creditor said they never received the check. The check was cashed and endorsed but the endorsement was not one that the creditor uses. We sent an Affidavit of Forgery, Alteration, Counterfeit or Unauthorized remotely created Check to the creditor so that our bank could open a Fraud Inspection investigation. The creditor would not sign it because they say they never received the bank. Our bank can not open the investigation without the affidavit. We been going back between the creditor and our bank for over a year. The creditor and continuously refused to sign it.
On  XXXX   XXXX ,  2017 ( or about ),  I was told that my loan request was sent to  Navy Federal Loan Committee with a request t o waive  XXXX  exceptions. I was told the request was denied.  <P/> However,  Navy Federal br oadcasts in its advertising that it works with its members to find solutions.  <P/> In this case I am suspect that the request was ever made by underwriting.  <P/> In fact - the misrepresented to me and the public how they work for their members.
Hello, After multiple attempts to request documentation on a debt for verification, and after providing a receipt for payment from XXXX, Plus Four Collections account for {$100.00} was removed from XXXX consumer reports due to non verification according to XXXX On XXXX/XXXX/XXXX I was contacted by XXXX advising me that Plus Four, INC. increased the amount by XXXX dollars to {$100.00} XXXX and again began to collect and harass me via multiple message telephone calls, including some after XXXX, for a debt that they had failed to verify, as well as had proof of payment directly to the medical office.
I have disputed the late payment status reported on the accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
On XX/XX/2018, I received an email alert from XXXX saying : XXXX/XXXX   obtained a copy of your XXXX Credit Report. 

It showed as a Retail Inquiry, but I did not recognize the company and had not authorized anyone to obtain my credit report. I asked a friend, who had been using my computer, and she said she was on XXXX XXXX website, and mightve accidentally submitted my info. I do not know how this is possible, other than my browser automatically filling in my name, address, etc. She said she could have not been paying attention. However, I do not believe that my social security number is saved on my computer, or is known by my friend ( other than last 4 digits ), so I do not know how she couldve authorized a credit application! I have been settling my debts, and am just starting to rebuild my credit including getting a secured credit card of my own and there is no way whatsoever that I would apply or authorize an inquiry for a store credit card right now especially, as a man, for XXXX XXXX! Please help me in removing this inquiry from my credit reports, as I am freaking out that it will hurt the progress Ive finally started to make. Thank you.
I opened a capital one secured Master Card credit card account in XX/XX/2018 to reestablish my credit. I put up a {$420.00} deposit, and got a {$570.00} credit line. The agreement with the credit card company is after a time the consumers deposit would be returned in the form of a statement credit, if the account was in good standing. MIne has been in good standing for 6 months, never missed a payment and the credit card company just issued a {$300.00} additional credit line, making the total credit line of {$870.00}. I called today ( 5 times ), to speak with different represenative ( s ), to ask about " when will my account be eligible for it to be unsecured so as to get my deposit back in the form of a statement credit '', but no one would give me an answer. Below is a copy of the secure card deposit refund information on Capital One Secured Card Website ; Why Does Capital One Require A Security Deposit? 
" The security deposit is used as collateral against your credit line. The security deposit is refundable if you close your account and pay your balance in full. If your account is deemed eligible for unsecuring, we will return your security deposit to you as a statement credit ''. 

I ask the representatives if my credit card account was in good standing they all said " YES '' but would not give me a reasonable explanation as to when my account would be eligible to be a unsecured account so as to get my deposit back as stated above? Non of them had an answer and they were rude to say the least, three of which hung up on me. If my account is in good standing, then it should be eligible to be deemed unsecured, since the payment shave been made on time. 

Also, I ask if my deposit was in a interest bearing account and if the return/ or statement credit would include the interest accumulated, the representatives would not give me an answer, they were rude and indifferent..
This company yes keep calling already told then not to call animore but they yes call more than twice a day.
I sent in my XXXX paperwork to Caliber Home loans. I continue to get letters saying that they need all the required documentation. When I asked what specific documents that still needed they continue sending the same letters asking to get the required documents. I currently do n't know what the status of my mortgage account is after requesting to start paying on account to get current again.
XXXX has been provided a police report indicating that i was a victim of identity theft. They refuse to remove the following disputed items that do not belong to me because they are fraudulent.
Selling my house, got XXXX payoff statements from Bank of America and XXXX verbal amounts. All amounts agreed. This loan was modified XXXX. I asked if there was an additional outstanding loan. I was told no by XXXX BOA employees. I was told everything was rolled into the modification. The closing on the sale of this house is XXXX XXXX, and in the title search, BOA stated there was a {$22000.00} balloon payment due HUD. They would not provide title company with how to pay this off, nor contact information, nor documentation. I have never received any documentation on this loan. I was assured XXXX times ( XXXX verbal, XXXX written ) this loan did not exist. It did not show up on my credit report. I have no documentation for this debt. BOA refuses to give validation of this debt. I began this process 4 months ago, and now with just over a week to closing BOA now says there is another loan against this property. They kept the title company representative on the phone for an hour saying my signature was not valid and they would not release information to the title company.
I 've been receiving calls from an Illinois # for the past few days. Today, I decide to call back before I blocker it. I found it is a collection agency by he name of ARA. They said they were calling about a credit card I opened in XX/XX/XXXX and last appeared on my credit in XX/XX/XXXX. I asked about the time ( it 's been 16 years ) and was told it did n't matter. Then I was threatened by saying they could or would sue me. Then the guy I talked to said they saw I was connected to another credit account that was in good standing and they would collect from that. I called back to tell them not to call me anymore. Each person I talked to ( when I called back was rude, unprofessional and still threatening. I arguedo n't that I did not have a contract with them and this debt is over 16 years old and should have been cleared. I was told hat they purchased the account and I owe them. While I was talking to the first condescending representative, he just forwarded me to the office manager WHILE I was talking. The office manager was nothe any less condescending. As im reporting to the supposed office manager, I 'm told, completely nonchalantly, that he would have to review the tape to corrobviate my story. I ask, how long it would take and he, again condescendingly replies : I do n't know. Should I continue to be harassed, I will pursue the legal route ... ..but not before I report them to the FEDERAL TRADE COMMISSION, ATTORNEY GENERAL AND THE BBB!!!!!!
I have had a dispute with XXXX over this since 1994. I completed an " Application and Promissory Note '' for a Consolidation Loan from XXXX XXXX XXXX XXXX, because I was led to believe by a Collector that I might benefit from the program. When I received the Disclosure Statement, some five months later, it was clear that the higher interest rate and capitalization of the penalties was not to my benefit. Therefore, I did not accept the terms of this loan contract, nor sign any agreement, nor make any voluntary payments. Clearly, there was no " meeting of the minds between two parties '' as required by contract law. The loan subsequently defaulted and was guaranteed by USA Funds. It defaulted again and was then guaranteed by XXXX. Since then, XXXX has steadfastly refused to provide me with due process to resolve this issue. Their contract collectors have committed violations of the Fair Debt Collection Practices Act. Both XXXX and their contractors continue to assert that this is an enforceable contract even though I never agreed to any specific terms. The simple question is this- do student loan agreements fall outside of the accepted principals of contract law? Namely, that the terms must be clearly stated, that there must be offer and acceptance, and a " meeting of the minds '' must be demonstrated in order for any contract to be enforceable. Are student lenders immune from these basic principals, as XXXX asserts? Has XXXX deprived student borrowers of their basic rights under contract law, in order to protect lenders? I have attached the ambiguous " Application and Promissory Note '' which states no specific terms, nor does it clearly state the names of the parties entering in the agreement. I have also attached the " Repayment Addendum and Disclosure Statement '' which does state the terms, and which I never accepted. I had rehabilitated my student loan in 1994 when, while checking my options, XXXX XXXX XXXX XXXX voluntarily satisfied my debt without my permission. When I refused to accept their fraud, USA Funds then filed a fraudulent default claim with XXXX. XXXX has been harassing me since 1994. XXXX should be looking to recover the funds from XXXX and/or USA Funds. The simple question I have is this- are student loan banks immune from the basic principles of contract law? How do I get this XXXX?
I refinance home mortgage with Wellsfargo locked rate of 3.75 % 15 years. Within 2 weeks before it closed, Wellsfargo raise interest rate to 4.00 %. Wellsfargo is bake and switch. I am demanding Wellsfargo honor interest rate that both parties agreed on 3.75 %. I will provide documents pertains to my refinance. 

XXXX XXXX
I was laid off by my employer and I was unemployed several months. I requested a mortgage modification they processed my request and they did and claims. I also requested a principal reduction of which they put the principal reduction on and repayment plan instead of giving me the principal reduction forgiveness. Please help!!!!!!
disputed incorect information that XXXX XXXX XXXX reported to the credit reporting agencies. 
disputes were sent to equifax and XXXX XXXX XXXX. 
XXXX XXXX XXXX replied by letter that the info that they provided was " accurate. 
this is a LIE.
I want XXXX XXXX XXXX XXXX firm ( claim to represent Discover Bank ) to drop the lawsuit and dismiss the Plaintiff 's Motion For Summary Judgment against me ( defendant ) and compensate me for over XXXX harassing cell phone calls and a letter of harassment. 
XXXX XXXX XXXX Debt Buyer/Collection Agency/Law Firm ( not the original owner ( Discover Bank sold the debt to XXXX XXXX XXXX ) filed suit against me XXXX XXXX, 2013 without properly notifying me of the lawsuit. Communication tactics after initial dispute and cease cell phone communications. False Statements or representation. Taking and threatening to take an illegal action. Attempting to seize property. Payment Protection Plan ( insurance ) suppose to pay for billed charges on the Discover Card charges due to my illness, vehicle injuries, and unforeseen financial difficulties.
I have a company-sponsored 401 ( k ) at Wells Fargo. Starting this year, Wells Fargo does not send paper statements. I never consented to receive electronic documents. ( I have never logged in to the Wells Fargo web site, so I never accepted any consent language associated with logging in. ) I called Wells Fargo. They said that I would have to call back every time I wanted a paper statement, even though they acknowledged that I have a right to receive paper statements.
I have previously submitted 2 complaints about this company and situation. Previous complaint # XXXX and # XXXX. Pertinent documents were attached with the previous complaints.The saga continues. I had XXXX this year and made a payment arrangement with the mortgage company to spread the payments I would miss over a course of months. I received a signed letter from the company stating what the arrangement agreement was. A month later I received a letter stating I take a loan modification or face foreclosure. That problem was supposedly resolved after the 2nd complaint to you. On XXXX XXXX, XXXX at XXXX XXXX I spoke with XXXX at XXXX XXXX about a payment made and advised her it was guaranteed to be received that day. She proceeded to ask if this was the amount on the loan modification that was showing on my account. Imagine my frustration and disgust that this company is still trying to bully me into this modification. A loan modification would benefit them by extending the terms of my loan and give them added interest payments on that loan. I informed her there should not be a loan modification and asked why it was still showing. No answer to that. I fear that this will be an on going problem and this company has shown over the years that they ca n't be trusted. My mortgage was sold to XXXX many years ago, their name changed to Green Tree and now it 's Ditech. All owned by the original Everhome. It 's just the wolf in a sheeps clothing. Also as a result of the original complaint I was not to be contacted by phone anymore and of course, that is still happening. I sincerely wish I could get this mortgage into a more reliable and trustworthy company.
Hello, This message is in regards to an error from Mr.cooper mortgage loan company formally known as nationstar mortgage. 

The company 's website prompt accepted a monthly payment reflecting principal, interest, escrow, and additional principal payment. 

This payment was submitted XX/XX/XXXX - payment is {$1700.00} plus an additional {$500.00} principal payment which is entered separately in another prompt. 

Total is {$2200.00}, However mr.cooper mortgage applied the payment as a sole principal payment incorrectly and was unable to explain how or why it happened. 

On XX/XX/XXXX this issue was noticed when the complete payment history was reviewed after a payment was made. 

Cooper mortgage then reversed the payment of {$2200.00} into the intended payment of {$1700.00} plus an additional {$500.00} principal payment. 

The issue is that there were 3 payments made + 3 additional principal payments of {$500.00} total of {$2300.00} principal and {$1500.00} additional which comes to {$3800.00}. The balance of the mortgage is {$120000.00} as of XX/XX/XXXX when the error occurred. 

The balance should be XXXX however on the website the balance reflects {$110000.00}. so the problem is {$790.00} is missing from payments. 

A representative / supervisor submitted the information to billing for further inquiry. Her name is XXXX and extension is XXXX on XX/XX/XXXX. 

I am awaiting contact from the company.
On XX/XX/2018 I made my final payment on a charge off account. On XX/XX/2018 a failed to pay was still reported to Experian credit report. I filed 2 disputes and capitalone still refused to remove the failed to pay for XXXX. I received monthly failed to pays for over a year before XXXX XXXX even though I made monthly payments. This affects your credit adversely every month u lose points.
I 'm making a complaint against Equifax for their negligence is not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 

Public Records US DIST CT XXXX- I 'm proving the proof that you have a date that does NOT exist reporting on this bankruptcy! You have XXXX/XXXX/XXXX listed as the open date - I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA. In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX - # 1 you have a filing date that does n't exist of XXXX/XXXX/XXXX and # 2 this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - # 1 you have a filing date that does n't exist of XXXX/XXXX/XXXX and # 2 this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;
This MORTGAGE CASE THROUGH BANK OF AMERICA HAS BEEN GOING ON SINCE 2004!!!!!!!!!!! This is my 3rd time complaining through CFPB about a BANK OF AMERICA FRAUD CASE. I was hung up on through BANK OF AMERICAS FRAUD DEPT today. She was so rude, and she never apologized at all. When I asked her what is done about my reporting the FRAUD, she told me it 's only an INTERNAL REVIEW!!! NOTHING IS DONE ABOUT THE FRAUD THROUGH BANK OF AMERICA!!!! She took my number and claimed she would call me back tomorrow ... .. LIES, LIES, LIES, LIES!!!!! The woman hung up on me after finding XXXX CLOSED FRAUD CASES from me, against BANK OF AMERICA ... .. UNRESOLVED AGAIN!!!!!! LIES FROM BANK OF AMERICA AGAIN!!!!! BANK OF AMERICA NEVER followed through with what they said they would do. FRAUD, FRAUD, FRAUD. BANK OF AMERICA is only showing XXXX FRAUD COMPLAINTS from me over all these years. THIS HAS GONE ON SINCE 2004!!!!! BANK OF AMERICA HAS HAD ME IN LIMBO WITH THIS FRAUD CASE FOR OVER 12 YEARS!!!!! If this is not resolved this time, I WILL SCREAM FROM EVERY ROOFTOP AND IN FRONT OF EVERY TELEVISION CAMERA I CAN FIND!!!!! XXXX XXXX ; Case Manageer from BANK OF AMERICA NEVER FOLLOWED THROUGH!!!! XXXX XXXX ; Customer Advocate NEVER FOLLOWED THROUGH EITHER!!!! I HAVE RECORDED MESSAGES, ALL KINDS OF PAPERWORK VALIDATING EVERYTHING!!!!! THIS MORTGAGE CASE THROUGH BANK OF AMERICA HAS BEEN GOING ON SINCE 2004!!!!!!!!!!! This is my 3rd time complaining through CFPB about a BANK OF AMERICA FRAUD CASE. I was hung up on through BANK OF AMERICAS FRAUD DEPT today. She was so rude, and she never apologized at all. When I asked her what is done about my reporting the FRAUD, she told me it 's only an INTERNAL REVIEW!!! NOTHING IS DONE ABOUT THE FRAUD THROUGH BANK OF AMERICA!!!! She took my number and claimed she would call me back tomorrow ... .. LIES, LIES, LIES, LIES!!!!! The woman hung up on me after finding XXXX CLOSED FRAUD CASES from me, against BANK OF AMERICA ... .. UNRESOLVED AGAIN!!!!!! LIES FROM BANK OF AMERICA AGAIN!!!!! BANK OF AMERICA NEVER followed through with what they said they would do. FRAUD, FRAUD, FRAUD. BANK OF AMERICA is only showing XXXX FRAUD COMPLAINTS from me over all these years. THIS HAS GONE ON SINCE 2004!!!!!
I paid off my loan to XXXX XXXX XXXX XXXX online. Because their website is so awful, I could n't find the exact payoff amount, so I estimated. I overpaid them by {$100.00}. I called them immediately and they said that when the payment cleared, I would be sent a check within 10 days for the refund. The payment cleared on XX/XX/XXXX. I did not receive a refund check, so called the first part of XXXX. I was told that Hurricane XXXX had shut down their XXXX office where the refunds are processed ( never mind that 22 days lapsed between my payment clearing and Hurricane XXXX ), but that the office was open again and a refund check would be issued immediately. That was 3 weeks ago. Still no refund. Every time I call customer service I 'm given the run-around and told that they are issuing the check immediately, then it never shows up in the mail.
Carrington Mortgage Services LLC sent a letter dtd XXXX XXXX 2015 advising that it did not receive our XXXX XXXX mortgage payment. I sent a fax that included printouts from my XXXX XXXX Bank account showing that the check was mailed for delivery by XXXX XXXX 2015 and cashed on XXXX XXXX 2015. Today I requested from XXXX XXXX Bank physical evidence that the check was cashed. I received a letter today from Carrington advising that they did not act on my fax of XXXX XXXX 2015 because I had not signed it. Never mind that it contained printouts from my bank account proving my identity and the error was theirs not mine. Today, I received a XXXX delinquency notice and a threat that I will be foreclosed and could lose our home if they do not have this supposedly missing payment by XXXX XXXX 2015. We recently went through a year of hell because XXXX sold our XXXX mortgage to those parasites at XXXX. Now XXXX sold my VA loan to this Carrington crowd which so far looks a lot like XXXX from where I 'm sitting.
I am being harassed by Windham Professionals Inc ( XXXX XXXX XXXX XXXX NH XXXX ; XXXX ). I was contacted XX/XX/XXXX at my work number about an " Obama Student Default Program '', which I have learned there is no such thing and was given false and deceived by the caller from Windham. The caller tried to force me to sign an agreement with out me being able to review or get legal advice. I asked repeatedly to send me the documentation via US Post so that I may review with my attorney and the caller agreed but the documents were never sent. I received harassing telephone calls from Windham at my work telephone several times a day even after I have told them not to call my work number. I received a threatening voice mail from a man stating that " I needed to call him back before he made a decision for me ''. 

I did review proof of the debt from Windham. The documents sent show a promissory note of {$9500.00}. They claim I owe over $ XXXX but there has been no proof provided on the differences between balances. I am disputing the the balance of the stated debt owed. 

Windham is now claiming they are going to garnish my wages by XX/XX/2016. Notice was dated XX/XX/2016 and received XX/XX/2016 I want the garnishment processed stops since the debt owed is in dispute. 

I want Windham Professionals to cease and desist all activities with my student loan.