WillisBack/dataset-financial-user-claim huggingface dataset:
( Note : not sure if this is correct section to send this to -- as it involves both a credit card company and credit reporting services -- - but if not please either forward or let me know so i can redirect. Thanks. ) I discovered that XXXX, specifically XXXX credit card/ XXXX XXXX card ( acct ending in XXXX ) WITHOUT AUTHORIZATION OR NOTIFICATION, starting in XX/XX/2018, switched my billing to " e-billing '' and additionally were using an old email address that has not been in use for some 10 years. Without authorization, they ceased sending paper bills ( which they had been sending since the account was opened many years ago ). 
I discovered this when I received TWO outside credit monitoring reports showing that XXXX had reported my account as delinquent to TransUnion, XXXX and to XXXX, resulting in damage to my credit rating. 
They also charged me two months worth of late fees 9 $ XXXX/mo ) which they have reversed. 
On TWO separate phone calls when i demanded to speak to someone who would notify the credit reporting companies of their unauthorized action and provide me with copies of the communication sent by them, they disconnected the call. 
I therefore demand that XXXX communicate immediately with all three credit reporting companies, see that the negative information is rescinded and provide me with proof thereof. 
The unauthorized nature of their action that caused the problem is self-evident. Not only were they NEVER authorized to switch to e-billing but it is patently absurd that I would ever have provided them with an old, unmonitored email address. 
Thank you for your attention to this matter.
I called ahead to ensure pre-auth by my insurance for XXXX XXXX ( I had treatments onXX/XX/XXXX and XX/XX/XXXX ) and was told we had 40 visits each per year covered by insurance. 
XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX ) XXXX Fax I got a bill from XXXX XXXX in XX/XX/2017 and contacted the clinic manager XXXX XXXX and XXXX XXXX XXXX repeatedly ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand again in XX/XX/XXXX ) and they assured me it would NOT go to collections and they were confident insurance would cover. My last correspondence from XXXX XXXX was that my account was paid in full and not to worry ( XX/XX/XXXX). 

I then got a notice from the XXXX XXXX XXXX XXXXt ( debt collector ) for {$410.00} on XX/XX/XXXX( notice datedXX/XX/XXXX ) I have wasted endless hours calling and emailing and was reassured every single time. I have written notice from XXXX   XXXX  that they will NOT send to collections. 
There was a delay by insurance to cover it as it was submitted properly Here is the dispute letter I sent to the debt collector ( name and identifying info removed per your policy ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PA XXXX Re acct XXXX Amount {$410.00} Dear Sir, I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/XXXX( date on letter wasXX/XX/XXXX ) and identified debt as {$410.00}. 
I do not have responsibility for the debt youre trying to collect. I have had written communication from XXXX XXXX XXXX ( XXXX XXXX and the clinic manager XXXX XXXX ) that this was covered by my insurance. 
If you forward this collection to another company, please indicate to them that it is disputed. If you report to a credit bureau, also report that the debt is disputed. 
Thank-you, Cc XXXXXXXX XXXX XXXX XXXX, fax ( XXXX ) XXXX
Says no payment history for my Missouri child support. Also, says account closed. Not true. I have court ordered garnished payment of {$400.00} a week. Some of that is for current orders, but the rest is suppose to be applied to arrears, it 's not being reported. There are XXXX accounts on my report and they both say the same thing. As you can see from my recemt pay stub, i have made payments and the total I 've paid since XXXX of 2015. That doesmt include all the payments made before this year. Also, it says nothing reported for employment. I have been employed by systems Contracting since XXXX of this year
I have been paying on my student loan almost XXXX years. They are saying my principal balance has only gone down {$390.00} after all this time. They say I have another XXXX years left before it 's paid off. The original loan was {$5000.00}. The principal balance is {$4600.00}. This is at 11.8750 % interest. It just does n't seem to add up. I have asked for a payment history, but have only receive a partial. XXXX XXXX was who the original loan was through before Navient took over. All the payment history that was with XXXX XXXX they have refused to give me. I have tried several times, but what they give me always has missing information or inaccurate information. They ca n't explain to me why this balance has n't gone down more than it has. I always get the run around with them and it always seems like they are hiding something. Please Help!
I submited a auto loan application on XXXX/XXXX/2013 at XXXX of XXXX. The deal was XXXX finaliized that same day, or so I thought. Then XXXX came to my job under false pretenses and stole the original application from my car. Fast forward to now, I just saw that XXXX submitted my application to several financial institutions on that day and then on XXXX/XXXX/2013 without my consent. I disputed it with XXXX, but was told to call those financial insitiutions directly. I did and thy told me that they could not help me since I do not have an account with them. I called XXXX and told them then was directed to XXXX. I called XXXX several times, but the financial manager refused to take my call. I emailed the owner who has not replied me.
On XXXX XXXX, 2018, I did an online payment for my mortgage in the amount of {$840.00}. OnXX/XX/XXXX  Chase withdrew 2 payments of {$840.00}, which over drew my checking acct. As soon as I noticed ( XX/XX/XXXX ) I immediately called my bank and they told me that Chase submitted the payment twice. I then called Chase and they did show it paid 2X, but would have to further investigate to reverse the 2nd charge. She told me that my funds would be returned in 1-2 days, but to check my acct the next day ( XXXX XXXX ) and give them a call to see what was going on. Of course my acct was not credited on the XXXX. I called again and was referred to the " escalations dept '' and was then told that the girl submitted the paperwork regarding my second mtg, not the first. So they filed another claim regarding the 1st mtg this time. ( At this point I would like to mention that when speaking to any of these agents, I NEVER gave them my 2nd mortgage acct number to resolve this issue ) The guy said that part of the reason they couldn't take care of this any faster was because they just received a payoff check for the accts and that is what was causing the issues. ( I was in the middle of a refinance and they paid the accts in full. ) Again I was told it was going to take 1-2 business days for someone to get back to me. Remember, they over drew my acct and I had no $ while all this was going on. They told me on the XXXX that the 1st mtg was paid in full ( they actually received funds on the XXXX, but held onto the $ till the XXXX so they could earn more interest and charge me more interest ). Remember they told me on the XXXX they received payoff for the accts causing the trouble. After 8 days they " expedited '' my over payment and my escrow acct by check by XXXX XXXX. If the funds were received electronically, shouldn't they reverse them electronically? Well no, if you want to earn even more interest on the money they owe you while you wait for the check to be mailed to you, then wait for you to get home from work, then finally make it to the bank to deposit the funds. I definitely now know why they are called Chase, because when they STEAL your , you have to CHASE them down to get it back. Total XXXX!!!
I borrowed {$800.00}. I was not been informed of the 800 % interest rate on the loan. I was told there would be a {$280.00} finance charge/fee, not {$6800.00} in total payments. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. Since, they have withdrawn over {$1400.00} from my account and the amount is scheduled to increase.
Synchrony falsely advertises my home card can be used at XXXX XXXX. I went to XXXX XXXX in XXXX ohii and the card would not work. I spoke to a supervisor on XX/XX/XXXX from synchrony who told myself and XXXX from XXXX XXXX that I should be able to use the card by XX/XX/XXXX. I went back today and the card still would not work. They are fraudently advertising my synchrony home can be used at XXXX XXXX. Then they are lying to XXXX  and myself stating that the card will work by XX/XX/XXXX.
On or about XX/XX/XXXX I contacted XXXX XXXX XXXX to settle a debt that has been in dispute due to damaged goods received and not replaced, by XXXX. ( Which will be another complaint that violated my Fair Billing rights ). During the validation of who I am with the XXXX XXXX, she asked if I was also going to settle or pay my XXXX debt they have from Capital One stemming from XX/XX/XXXX. I explained to her that the debt she is referring to was discharged in XX/XX/XXXX by Chapter XXXX Bankruptcy. She insisted that I still needed to pay XXXX. I once again explained to her that XXXX can not collect on a debt, or should it be on their books, after a Bankruptcy Court discharged my debt. At this point I ceased this part of the conversation and asked her to address the matter in which I called, the debt from XXXX. 

Towards the end of the conversation, I requested that she have someone from XXXX, in Authority, to call me and address the attempted collection. I have not received any sort of communication. 

Name of company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Thank you and I look forward to our correspondence.
Showing an account by the name of XXXX XXXX which has been settled and should Be removed
My husband lost his job XX/XX/XXXX and since he worked out of XXXX the last 3 years we were unable to collect unemployment. I contacted our mortgage company, Wells Fargo XX/XX/XXXX to tell them what had happened and ask for help because my husband has been unable to find work. He was a XXXX of a company and its very hard to find work when you 've been at that level. We have had ccellent credit and have never missed a payment on our bills. I talked to a person named XXXX and with a few short questions, she put us on a special program with a reduced payment from {$1900.00} to {$600.00}. She told me not to pay XX/XX/XXXX payment and that we would start making payments in XX/XX/XXXX. I told her we had automatic withdrawal from our account and asked if that would be continued and she said yes. I asked her several times and told her that I did n't want my credit affected. She assured me that it was set up and would n't be a problem. I did n't get my bank statement for XX/XX/XXXX intil XX/XX/XXXX and had n't checked to see if the payment was deducted because it did n't even occur to me that it would n't be. I got a call from the bank XX/XX/XXXX stating that we were 3 months behind in our payments and our house would be foreclosed on. I tried to call XXXX but got continual voicemail. I left many messages for her to call me with no avail. I talked to the collection part of Wells Fargo and they put me in touch with XXXX 's supervisor and she told me that I was kicked off the program and could n't be put back on again. When I got emotional and told her what happened she said they could make an exception and she 'd have someone call me back. Well appsrently that someonwas the original person, XXXX. She never called me back. Finally after talking to the bank countless times they put me on another program paying double of the original amount, which we ca n't afford, and told me that the only person that could fix the credit issue was XXXX and she 'd be in contact with me. Well, XXXX has yet to call and our credit has a black mark on it. Wells Fargo bought out our loan from another bank and changed the type of loan it was illegally from a fixed to an adjustable payment and it has gone from {$900.00} a month originally to {$2000.00} a month on top of that. They have done so many illegal and immoral things with our loan and I 'm beyond frustrated. I 've tried to work with them. I 've always paid my loan on time and now they are ruining my credit and we still have a loan payment we ca n't afford each month. Please let me know what can be done. They are not going to foreclose on our house for now if we can keep up the payments. We went from {$2000.00} to {$600.00} to {$1200.00} a month now.
Today, XXXX, my bank called me to let me know that a levy was sent to garnish what money do I have in my checking account. at XXXX Bank. It appears that this debt is a scam involving employees of government agencies namely : XXXX XXXX XXXX and my former employer XXXX XXXX XXXX XXXX. My bank provided me a telephone number to call about the levy. I called the number and I talked to an employee of XXXX XXXX XXXX which refuses to identify himself. This employee gave me another telephone number to call about the levy. The phone number belongs to Alliance One and I talked to a XXXX XXXX who refused to identify what company they are if they are a collection agency or not. I was able to obtain some information about the levy and checked my record and whatever these people are collecting were fully paid on XX/XX/XXXX to XXXX XXXX XXXX for a traffic citation that I was not even aware of but I paid it anyway without any disputes about the traffic citations. I paid this questionable amount XXXX the total amount of {$520.00} to obtain renewal of my California Driver 's License. Now it appears that I continue to be scammed and a fake court order document was sent to my bank to zero out my checking account. Please help.
NOTICE OF ERROR AND REQUEST FOR CORRECTION XXXX This is in response to your letter dated XXXX regarding the inapplicability of the rescission of the alleged contracts that encumber my home. 

Please make note of the following facts. 

1. The written request to cancel and the refund my $ XXXX was delivered to and acknowledged by XXXX ( The Manager of XXXX that initiated the contracts ) on XXXX at XXXX. 
2. The rescission of those contracts was effective as of XXXX on XXXX. 
3. The rescission was proper, timely, and unchallenged by XXXX in " XXXX ''. 
4. XXXX I put a copy of the same written request in the hands of XXXX of XXXX. XXXX did not challenge the rescission in XXXX. 
6. These heavily flawed NOTES and DEEDS that have been continuously used to extort money from me since XXXX were rescinded and extinguished XXXX. 
7. XXXX did not acquire servicing rights from XXXX on XXXX, as there were no loans to service. XXXX can not transfer the servicing of what it does not have. 
8. The loan contracts initiated by XXXX against my property were effectively rescinded in XXXX and were not a part of XXXX receivership by the FDIC in XXXX. 
9. XXXX 's attempt to rebrand what it knows to be a dead and yes fraudulent note with a NEW LOAN number by way of an " assignment of servicing '' to Seterus is unconscionable. 
10. Seterus has created a new transaction and given it a new loan number that has nothing to do with my property. XXXX has no record of this loan of Seterus '. XXXX had a record of the loans with their corresponding numbers from XXXX from XXXX. 
11. Seterus does not service or recognize the above listed Mortgage contract identified with ID # XXXX. XXXX must cancel that note and deed as it no longer has a balance to be repaid and has a cloud on my title. 
12. XXXX needs to remove the deceptive assignments of Security Deed as XXXX did not acquire ownership to convey to XXXX. XXXX XXXX gained ownership of the defective paper in XXXX. Your erroneous and willfully deceptive assignments create a cloud on the title to my property. 
13. No provision in that voided deed includes a right for the creation of a new loan ( and loan number ) with a transfer of servicing or the sale of a note. Section 20 provides for notification of change and the inclusion of the name and address of the new servicer and the address to which payments are to be made. 
THIS COMPLAINT MIMICS COMPLAINT ABOUT XXXX AS THE XXXX COMPANIES ARE ACTING IN CONCERT TO DEPRIVE ME OF MY PROPERTY XXXX
I had contacted you about a problem with nation star mortgage. We were trying for a making homes affordable and we were denied and then we 're told we could get a modification but we needed an unbelievable amount of money. We were unemployed so we do n't have any savings. They used out stipend for our XXXX children as part of our income. This is not income. Then we received XXXX of many letters from there attorney stating they were going to have our home foreclosed on and then sold. After notifying you they cancelled this. We never heard from them or nation star. You told us that they were looking into this. Nothing was ever done. Now today we received a letter saying they were contacting court for an extension for the sale. Now what do we do.
Racial Discrimination 12 CFR 1024.41 - Loss mitigation procedures.

Related to its Handling of loss-mitigation applications and its implementation of foreclosure protections, related to its handling of loss-mitigation applications and its implementation of foreclosure protections .... servicer receives a complete loss mitigation application more than 37 days before a foreclosure sale, then, within 30 days of receiving the complete loss mitigation application, a servicer shall : I SENT ALL THE DOCUMENTS REQUESTED BY FAY SERVICING IN THE TIME REQUIRED BY THE LAW attached file DELIVERY RECEIPT BY POST OFFICE indicating the day of delivery of the package. 
THE MANAGER OF THE ACCOUNT IN AN AGGRESSIVE WAY HE DID NOT WANT RECEIVE THE PACKAGE ACCORDING TO HIM THE INFORMATION GIVEN DID NOT HAVE THE 37 DAYS, THIS IS FALSE BECAUSE I SENDED CERTIFICATE AND THERE IS THE DAY THAT WAS DELIVERED BY THE POST OFFICE. MORE THAN 45 DAYS I HAVE THE TELEPHONE RECORDING OF HOW THIS CHARACTER TREATED ME FOR A LONG TIME AND DELIVERED ALL THE DOCUMENTS BUT FAY SERVING NEVER GAVE ME A SOLUTION. 

Here I List the RESPA Violations Committed Against Me Violation of 12 C.F.R. 1024.41 ( f ) ( 2 ) Y ( g ) 12 C.F.R. 1024.38 ( a ) and ( b ) ( 1 ) ( v ) 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ) violation of 12 C.F.R. 1024.38 ( a ) and ( b ) ( 2 ) ( iv ) 12 C.F.R. 1024.41 ( c ) ( 1 ) 12 C.F.R. 1024.41 violation of 12 C.F.R. 1024.38 ( a ) and ( b ) ( 2 ) ( v ) Under Sections 1053 and 1055 CFPA, 12 U.S.C. 5563, 5565, 12 C.F.R.1024.41 ( b ) ( 2 ) ( ii ).

12 C.F.R. 1024.41 ( c ) ( 1 ) ( ii ) 12 C.F.R. 1024.31 12 C.F.R. 1024.38 ( b ) 12 C.F.R. 1024.38 ( b ) ( 1 ) ( v ).

12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ).

12 C.F.R. 1024.38 ( a ). 14 12 12 C.F.R. 1024.38 ( b ) ( 2 ) ( iv ) 12 C.F.R 1024.38 ( a ) 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ). 52.

12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ).

12 C.F.R. 1024.41 ( f ) ( 2 ) o ( g ) Thank you for your assistance.
We have been great Citi card users for the past 5 years and have not been notified of any issues. The account was active as of 2 days ago. However, yesterday during a purchase at a local XXXX, the card was declined. We called Citi customer support and they mentioned that the account has " sensitive '' information that they can't see any additional information and instead asked us to write a letter to a XXXX XXXX XXXX XXXX . 

We elaborated that we were never notified of this through any means ( phone, text, etc. ) and suddenly the account was closed and in XX/XX/2018 - is now asking us to write a physical letter ( turnaround time ~weeks ) to find out more information. XX/XX/2018 - where the advertisement is Citi access through my phone, XXXX, XXXX, online, that we have to now write a letter to find out more is ridiculous on such an urgent matter.
On XX/XX/2018, my application was denied in violation of XXXX XXXX XXXX
On today, XX/XX/XXXX I received a letter from Equifx dated XX/XX/XXXX advising me that they will not be conducting further investigations into my dispute for Bankruptcy, Case or ID # XXXX AND Bankruptcy, Case or ID # XXXX that are reporting under my name has been verified as accurate. as it previously has been verified as accurate. On XX/XX/XXXX I sent a letter to Equifax in response to the letter I received earlier in XXXX indicating the bankruptcies had been verified, requesting that Equifax provide the description of the procedure used to determine the accuracy and completeness of the verification method within fifteen ( 15 ) days of the completion of the re-investigation ( ie, he name, address, and telephone number of each person contacted regarding this alleged account ) As well, I asked that Equifax not use any automated response or e-oscar verification methods with the re-investigation of the alleged accounts. 

Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 

I also advised Equifax that I was requesting the removal of the XXXX alleged bankruptcies due to Civil Case No. XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, v. Equifax XXXX XXXX XXXX XXXX. As well, I advised Equifax that if they did not comply with my requests for an accurate investigation, I would proceed to file a complaint with the Consumer Financial Protection Bureau and then the Attorney Generals office if needed, due to their non-compliance. In addition, Equifax was notified that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX XX/XX/XXXX ), they may be liable for their willful non-compliance in an accurate re-investigation, that does not entail the use of e-oscar or any other automated verification method or response.