WillisBack/dataset-financial-user-claim huggingface dataset:
" QWR Notice of Error '' Multiple 524 Injunctions have been executed on my loan by Seterus starting at assignment into XX/XX/XXXX though XX/XX/XXXX.  Seterus took a position that they were granted a conditional relief of stay given by the courts and placed a Forced Placed Insurance Policy on the property while the stay was in affect. This statement is not accurate because the stay had a condition that if the debtor did not execute a payment to correct a deficiency in the loan the stay would go into effect. The payment was paid by the debtor so the stay was not issued per the courts the court added that if in the future Seterus would have to send the debtor notice of intent and Seterus has never done so. Seterus at that time issued a Forced placed insurance policy on the property while the debtors insurance was on file with the court this encumbrance was a direct violation of the debtors plan and the federal stay 524 Injunction. I am requesting all periodic monthly notices, payoff and monthly billing statements. Seterus was party to a reaffirmation agreement that reduced the debt for this loan as part of a chapter XXXX bankruptcy proceedings in XX/XX/XXXX. Ever since the signing of that agreement Seterus has asked for discharged debt on the monthly statements. Seterus has included the discharged crammed down debt as interest still owed on the loan also Seterus has added the discharged debt to payoff statement s that I have  requested on the loan since XX/XX/XXXX. When the loan was sold or transferred to the new investor XXXX and loan servicing company XXXX the were given the wrong amount owed and a insurance policy that now has been canceled because of the negligence of Seterus.
The prepaid card was redoing the system and while it was doing that, customers didnt get their direct deposits as normally scheduled. I wasnt able to speak with a customer service representative nor was I able to logon to my account. I received my deposit and used it, seemed a lot more than it should have been, I attempted to contact them and still couldnt get through to a representative. I now check had to redo my online account with a new password and when I was able to logon I see that they had depsoited my funds twice. Now, I had a payment plan on a bill that due to the deposit not hitting my water was shut off and I had to pay the full balance instead of the payment arrangement. I now see that they are trying to reverse my car payment that posted XXXX/XXXX/2015. I attempted to call 4 times right now which is my lunch break at work and it just rings and after the XXXX ring it hangs up on me. I have been a customer for over 3 years and I am not liking how things have been lately. I have been through on unauthorized transactions and taking forever to get those reversed and other things, but I cant deal with reversing my car payment. I will seach legal counsel since it seems like there are attorneys that are working on suing them due to the system being down and unable to speak with a representative nor able to access funds on dates that they are always available on. I didnt put the funds in my account twice and neither did my banking institution. I didnt use all of the funds that were in my account, due my unknowing where they came from.
About a year ago I brought the problem with this company to your attention ; Experian is constantly reporting late or incorrect. About 45 day ago I paid off all my debt. The payoff where submitted to all the credit burls on the same day. XXXX   and XXXX are reporting my score is the 700 's, but Experian is reporting XXXX. I'm not sure if this is race base or anti military I just tired to trying to make a purchase and have to pay more for the purchase because of incorrect reporting on Experian behalf. 

Experian is report ( 4 ) item 's that effecting my score, as follows 1. I have serious delinquency or derogatory indicator, public record and/or collection on my credit report.

2. I have a recent public record and/or collection on my credit report.

3. The remaining balance on my mortgage or non-mortgage installment loans is to high.

4. I have few accounts that are in good standing.

My rebuttal to these incorrect report lines ; 1. 45 days on the letters that the other reporting agency have record it.

2. I have paid off all my debt there was a dismissed bankruptcy that is on the report.

3. I don't have a mortgage yet " there statement is out right lie ''!

4. All my account are in good standing " another outright lie ''! 

Inclosing I returned from XXXX in 2008 and would just like to move on with my life company like Experian has made this more difficult. I just want to have them report the right way so I can achieve my goals.
A few years ago I found myself between jobs. I reluctantly Took out an Auto Title Loan. I only needed XXXX Yet the Agent convinced me that if I were to increase that amount to XXXX that the interest would be better. I was late on a payment and they reposed my car. When the car was finally returned to me after two weeks, all of my I.D . including XXXX XXXX XXXX, Drivers License, and Special I.D . to allow entrance to XXXX XXXX XXXX Sites were stolen. The car stereo was broken and everything from the trunk to the glove box was gone. I did file a Police Report and have that number. Since then I have been forced to pay over XXXX dollars for a XXXX Loan. A day does not go by that I do not contemplate XXXX. Please help. Thanks
XXXX keeps calling me at work eventhough I have told him not to. They call me on my cell multiple times a day.
I did not receive a statement for the month of XXXX and XXXX of 2018 from my Kohl 's acct. XXXX submitted to the credit bureau that I missed 60 days of payment. 

This is not acceptable. I should have been notified that my acct was late or behind!
SYNB/TJX XXXX hereinafter called " alleged lender '' claims that they lent their money to me. Alleged lender claimed to me that the alleged lender would charge interest as compensation for lending me the alleged lender 's money. Financial institution 's CPA audit opinions claim that financial institutions involved in issuing alleged loans or loans follow Generally Accepted Accounting Principles, GAAP. There is a dispute regarding who loaned what to whom regarding the alleged loan. The alleged lender claims that they lent me their money. The alleged lender claims that the alleged lender has loan papers with the affiant 's name on it as evidence of a debt. The bookkeeping entries show the opposite and that the affiant was the lender and that the alleged lender was the borrower : According to GAAP, this is what happened : the alleged lender and financial institution involved in the alleged loan never lent one cent to the affiant as adequate consideration to purchase the affiant 's promissory note. The affiant first became the lender to the alleged lender and the alleged lender was the borrower. According to GAAP,  the bank recorded the promissory note as a bank asset offset by a bank liability. The promissory note was recorded as a bank asset in exchange for credits in the affiant 's transaction account or to give value to a check or similar instrument. The matching principle in GAAP requires that there be a matching liability offsetting the promissory note recorded as an asset and that the liability shows that the bank/alleged lender owes the alleged borrower money for the promissory note that was lent to the bank or alleged lender. The promissory note was deposited in a similar manner as cash is deposited into a checking account. Depositing cash or a promissory note into a checking account or a transaction account is the same or similar to loaning the alleged lender the cash or promissory note. According to GAAP, the promissory note was deposited as a bank asset offset by a bank liability with the bank liability showing that the alleged lender owed the affiant money for the promissory note that was received from the affiant and deposited. When the bank deposited the promissory note and credited the affiant 's transaction account, the alleged lender, the one who claims they own the promissory note, recorded a loan from the affiant to the alleged lender, making the affiant the lender and the alleged lender the borrower. The alleged lender returned the equivalent in equal value of the loan to XXXX XXXX, the lender per GAAP. When the money was repaid to XXXX XXXX, the true lender per GAAP, the alleged lender claimed that the repaid money was a loan to a borrower named I. XXXX XXXX and ignored the bookkeeping entries which proved the money trail of who lent what to whom. The alleged lender claims to be the lender using a promissory note to claim they lent money to the affiant but GAAP shows that the opposite happened. The alleged lender did the opposite of what the affiant, XXXX XXXX understood and believed was to happen, creating an economic effect similar to stealing, counterfeiting and swindling against the affiant, XXXX XXXX
XXXX Original complaint The merchant bank XXXX XXXX has advised me that they have closed the complaint. I didnt get the funds and now the bank is stating that it went to XXXX area at XXXX. This was checked into by the bank which stated that they do not have the money. It is of great concern as this is for {$14000.00}. The bank stated that they provided the trace to your organization and that closes the case regardless if I get the funds. 

They advised me that this is now resolved per your guidelines and that I will owe the money which I never received due to their error in processing. 

This is a serious problem as I didnt get the money and they are going to hurt me and put my account in collections if I don't pay money that is due to back to me. 

I was called today and last Friday and the call today was much more aggressive stating that this is now my problem to resolve as it is out of their hands. This is not fair or honest as it was not my error it was theirs. I am reaching out to request that this be reopened and to please have a response that shows that the money was refunded or at least found. 

The company stated that the XXXX has no authority to help me the consumer in this matter. I find this not only a problem but a lie based on what it states that the agency does. How can you bill someone money that is not owed? I want to file this as fraudulent or stolen money or possibly money laundering of the institution as they are not helping me. 

I look forward to your help. The person who called me is at XXXX XXXX XXXX. They were not only rude but downright demeaning when I asked for this to be corrected. 

The {$65.00} dollars was located but the larger transaction is lost! How can this be a issue that is my problem? 

The line all of the sudden hung up on me and I am now left at the same spot where I asked for help. 

Please help me. 

XXXX XXXX
On XXXX/XXXX/2015 we called Statebridge Company to make a payment. Statebridge first stated they would not accept a payment because our loan was in default. When I disputed that fact the Statebrideg representive stated that it didnt matter and that our payment was past due and that we had to the full amount Total Past Due : $ XXXX.The representative once again refused to take the payment. I reminded him that the Consumer Financial Protection Bureau ( CFPB ) has issued the final rules that implement residential mortgage reforms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. And one of the rules pertain to prompt-payment crediting. Servicers must promptly credit payments from borrowers as of the day of receipt, including principal, interest, and escrow. If a payment is received that is less than the amount due, the servicer may hold the payment in a suspense account until the amount in the suspense account covers the periodic payment. Statebridge has violated the rules pertaining to prompt-payment crediting to a consumers account. When I informed the representeive that he was violating federal law under Dodd/Frank and the CFPB rules and that he was required to accept my payment and he tranfeered me to his supervisors voice mail. 
On the same date I contacted a XXXX XXXX who is allegedly XXXX of the XXXX SPOC and emailed her the following : Dear XXXX XXXXI would just like to notify you that Statebridge Company refused to take a payment over the phone. We will file a complaint with the CFPB and we will record this violation on any future litigation that may be filed. 

I deny that our loan is in default and your refusal to except a payment is in violation of federal and state laws. 

If you have any comments or suggestions to resolve this matter you may contact me at this email addressSincerelyXXXX XXXXOn XXXX/XXXX/2015 I resent the same email and have not received a response. 
Statebridge seems to show a pattern of making it difficult for consumers to make their payments or not taking consumers payments at all. We belive that this may be an organized attempt by Statebridge Company to rack up fees and illegal forclosures on customers, by claiming consumers are not making their timley payments.
American Express XXXX just closed my account XXXX days ago without giving me XXXX single reason. I tried to know the reason, but I failed to know why. I have been a loyal customer since XXXX till today. Never missed a payment, and I always pay on time. I have a high XXXX XXXX. Had almost XXXX in rewards miles, and paid off the balance every month. Would n't give me any specific reason. I 'm furious! Is this because they have n't made interest off of us in all XXXX years? Is that how they treat their loyal customers? I really feel disappointed.
This comapny calls me every day sometimes twice per day I have no idea who they are or why they are calling me they do not leave a voicemail when I miss thier call
I have credit line mortgage with Wells Fargo Bank. 
I payed {$10000.00} in XXXX 2015 toward my principal. Despite I paid that {$10000.00} the bank charged me more interest than XXXX 2015. 
When I called Wells Fargo bank they told me you are paying fixed interest regardless whatever you paying toward principal.They told me bank also charging for insurance but I did not know anything about insurance charging in my account. 
I can not trust to this bank I am requesting that my account to be checked out by expert. 
Wells Fargo should charge me less when my principal decreasing but this bank do not doing this way.
My XXXX practice suggested Care Credit as a solution for a {$7000.00} XXXX  procedure. I signed up in the office and immediately had the funds available for the procedures. After paying on time every month {$220.00} for a year with my balance looking like {$5000.00}, I received a notice the introductory offer was over and I now owed {$7100.00}. More than I originally agreed and with a new monthly due of over {$430.00}. What???? Nearly {$2000.00} in interest.
Hi this is an on going issue that has been going on since XX/XX/XXXX. Chase has closed this case because they feel I had something to do with this. I had fraud activity going into this account. They took my paycheck to cover the funds. I feel that Chase did an extremely poor job on investigating this matter. They want me to pay the remaining balance of something I had nothing to do with. 

I still get these emails saying someone is trying to access this account. This is clear that these scammers are doing this and you guys don't want to rectify this situation. They want me to pay for something I didn't do. This is the third email I got about regarding an account that I no longer have access to or the card. I cut the card up once you guys failed to help me on this. Attached is the email I received. I can't pay this amount because I'm currently losing my apartment which is a result of this nonsense.
I recently to a look at my Transunion credit report and noticed that there are two hard inquiries by XXXX XXXX XXXX on my credit report dated XXXX, and XXXX. I contacted Bank of XXXX ( XXXX ) spoke with a representative and asked for a letter of deletion. The representative said no due to a credit line increase that I requested. I was never told or asked if they could pull my credit report ; and when I asked for proof of said I was told they do not provided this information to customers. I responded by saying " I have a legal right to said request ''. I was again denied ; but told a complaint would be filed. I then asked for a supervisor and she told me they do not have scripts that requires them to inform customers nor are they required to because it is in their terms and conditions. I responded by saying " where because I can not find this in your terms or conditions ''. I am affirmed that this is deceptive and violates my rights in making an informed decision. My right to disclosure at the time is without parallel.
On XXXX I made a deposit to an ATM machine co-located with a branch of Fifth Third Bank in XXXX, GA. The ATM accepted the {$400.00} cash deposit, but did not present a receipt nor did it acknowledge the deposit. The teller then told me they had been having trouble with the ATM and the XXXX technician had just left. I waited for the technician to return, and after an hour, he returned. He confirmed that the {$400.00} deposit had been made. The teller called Fifth Third HQ and I was given a " provisional credit '' of {$400.00}, reportedly until the ATM was balanced. On XXXX, the bank transferred {$110.00} from my account stating that the ATM did not balance and it was short {$110.00}. I referred to the teller and XXXX technician who both confirmed that I had made a {$400.00} deposit. The matter was further referred to their dispute resolution committee, which determined that they were entitled to keep the {$110.00} and could take up to 14 additional business days to investigate the matter. My complaint is this : the malfunctioning ATM machine is not my fault, and caused considerable inconvenience for me on XXXX. Why am I being prevented from using {$110.00} until they discover where the problem lies? Is this just miserable customer service or is there an actionable conversion of funds by the dispute resolution committee?
I had reviewed my credit report and noticed I have XXXX medical bills on my credit report unpaid. I called my medical insurance company to find out why these XXXX bills have n't been paid. the hospital did n't summit the claims for these bills. i understand the hospital is not responsible for billing your insurance, how ever when they assume the assignment it is there responsibility, to bill the insurance and follow up with the billing process. the hospital had another company handle there billing process where the hospital later had issues with the billing process. this hospital turned this matter over to collection. I tried to excercise my rights with a debt validation requests, and received to print outs from the collectors on the print out the XXXX bills state paid. the collection agent state these bills are n't paid I know they are n't paid by me but why do my bills state paid on them. by the way the collection agent sent me information for another client they are attempting to collect on medical bills by mistake and told me to throw them away.
On XXXX XXXX, I paid my mortgage to Bank of America using my Bank of America phone app ( they way I always make my mortgage payment ). At that point it was XXXX days past due. We 've been struggling to make our mortgage payment and are finally in the process of selling our home. On XXXX XXXX, I received the payment back in my checking account and called Bank of America to discuss it. I was told that since we were now XXXX days past due they were initiating foreclosure on our home and the only option for us was modification at this point. No one would discuss the payment, they would only let us talk to our account representative, XXXX. XXXX, by the way, has been completely professional and empathetic through this process, but there was nothing she could to to resolve our foreclosure issue. Again, we 're in the process of selling the property but since it 's technically in foreclosure, I 'm afraid that pulling a payoff or even discussing the final payoff amount is going to be troublesome.
Dear CFPB, I am submitting a 3rd request for deletion and removal of bankrupticies on my credit report from the following. 
XXXX XXXX Nevada XXXX Alabama Due to the follwing reasons i have researched and contacted the FCRA to get involved. My findings are as followed. 
1. There are no accounts on my credit report that shows ( Included in Bankruptcy ).

2. I have no negative reporting accounts on my credit file.

3. There has to be creditors to include in Bankruptcy. I have none.

4. I called both courts and they advised they do not give out information to 3rd parties.

4. Bankrupties were verified thru 3rd party XXXX XXXX.

5. How can you report inaccurate information, where are the creditors that were included in both bankruptcy? 
There is nothing on my credit reports that shows proof of any accounts included in Bankruptcy. I demand immediate removal of these fraudulent public reports from my credit file. Where is the proof other than my name, ss # that was given. 
***There are no accounts on my credit report to support this information is accurate. ***********************
I previously had my mortgage loan serviced with XXXX. I fell behind and got a modification which helped make my loan more affordable. I was current and up-to date. They then sold my loan to SLS and they stopped sending me monthly payments. I was confused and missed a payment or two. When I would call them they told me they could n't talk to them because I was in active bankruptcy even though it was 7 plus years ago and had gotten all of that taken care of with my XXXX. I had to get help from my son XXXX XXXX who works for a HUD approved housing counseling agency. We finally got them to give us information after we sent them the Ch XXXX BK discharge papers ; but again they refuse to send us statements because they say the loan has not been reaffirmed. From my understanding of Oregon State law that does n't happen here ; and I 'm not sure what else I can send them ; all I want is to be getting my monthly statements so I can see what I owe. I 'm caught up on my payments now but feel like this confusion and extra work that SLS made us go through when we had everything taken care of with XXXX XXXX XXXX before is n't fair. I called SLS to request they get the information from XXXX XX/XX/2015, they said they would open up a ticket. I called today, 5 months later and they never did anything. That ticket never went anywhere. I do not trust them as they 've showed they are unable to help me. It 's unfortunate that they 've made an issue over something that never should have been an issue in my opinion. I hope you can help me clarify this.