WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage company did not pay the flood insurance out of escrow as it had been set up. As such I had to pay my flood insurance and submit verification or lender insurance would be secured. I obtained insurance in XXXX, submitted proof in XXXX, XXXX and twice in XXXX. The insurance was not verified so I had to pay an extra {$500.00} to cover the lender procured insurance. I submitted my normal payment, plus XXXX as I always do to pay my mortgage of quicker, but the lender refused to process it since it did not cover the full cost of the extra insurance. 
MB financial blackmailed me into paying for insurance that was not needed, since I had already sent in proof 4 times for valid flood insurance, and was way over priced ( normal insurance is XXXX a year and their insurance is XXXX a month ). They offered a refund of course but if i did not pay the full amount XXXX before the end of the month, even though they had my proof of insurance, they were going to start charging late fees and of course report to the credit bureaus. 
I had paid XXXX but they refused to process until I paid the extra XXXX over the phone. They could not process a partial payment of XXXX, but would process a partial payment of XXXX and then apply the other payment. 
This can not be proper. To procure self insurance at an absurd rate and force someone to pay, even after proof of insurance was submitted multiple times. The threat of piling up late fees on top of attacking my credit is absurd and hopefully illegal. Thank XXXX I have the resources to pay, wait for a refund but if not they would have intentionally attacked my financial well being over their mistakes.
yes on my moms credit card om not very happy the way XXXX XXXX forced me into a XXXX monthly ayment plan???? first of all.they wanted me too keep aying the XXXX monthly payment untill few billing cycles till i get the XXXX too take affect????? i could not afford the XXXX a month???? thats why wefell behind on bill????? i really wanted XXXX a month plan??? but they would not accept XXXX a month plan??? was forced into a XXXX a month plan???? like too talked too whos in charge like a top supervisor instead of the lower people on this mattar????? want main supervisor too help on this mattarrr???? going thru hardship now.
In XXXX XXXX, my husband and I applied for a mortgage through NVR Mortgage ( NVRM ). In the application process, my husband indicated he had just become self-employed in XXXX XXXX. With our application, we deposited {$5000.00} for the new build. Our contract stated that in the event NVRM terminates the loan due to circumstances beyond our control, our deposit would be returned. 

On XXXX XXXX, XXXX, my husband and I were preparing to close on our new home when we received a phone call from NVRM stating that they have " more conservative lending rules '' and would require at least 2 years of self-employment status in order to approve us for a loan. NVRM referred us to a different lender to try to get an exception to the 2-year rule, however, the new lender never provided a determination on the exception. We were later turned down for the loan, but NVRM based the denial on low credit scores. I contend that credit check was performed subsequent to NVRM 's inability to qualify us due to the short length of self-employment. 


Following that discussion, my husband and I met with other lenders, talked to mortgage brokers, and conducted independent research to learn that there are no exceptions to the 2-year self-employment status. 

On XXXX XXXX, XXXX, I sent an email to NVRM,  requesting that our {$5000.00} deposit be returned in full, on the basis that my husband would never have been pre-qualified for a loan because he did not meet the 2-year minimum requirement and that their claims that an exception could be made seem false. NVRM has not agreed to return the {$5000.00}.
Starting in XX/XX/2017, XXXX XXXX XXXX at ( XXXX ) XXXX started calling me multiple times a day using threatening verbiage in their calls, sending certified letters, etc. I believe they have contracted with the people at XXXX XXXX ( which isn't the company 's real name and they refuse to give it to me ) at ( XXXX ) XXXX to further harass and threaten me. 

XXXX XXXX XXXX and XXXX XXXX are not the original creditor-XXXX XXXX is. XXXX  XXXX is the only organization that I have to deal with. This wasn't even for a real school-only a coding boot camp.
I had just received a letter from XXXX XXXX XXXX. Monday XX/XX/2018. The letter is dated from XX/XX/2018. XXXX XXXX XXXX claims that they had sent me a letter requesting additional information pertaining to the account I had disputed. I had not nor ever received a letter from XXXX requesting additional information. I do believe that they had made a gross error and hope that they take the time to look into this matter
I have disputed the late payments on XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Midwest Recovery VIOLATED my rights under the FDCPA. I was never notified in writing of this debt, this debt is over 10 years old, I disputed with XXXX as this is a RE-INSERTION of a debt, they never notified me this was going to be done. I have filed complaints with the BBB against Midwest Recovery and XXXX XXXX. I just spoke to a XXXX XXXX Rep and asked why I was never notified in writing of this re-insertion. I want this removed from my credit report immediately, first and foremost for violating my rights. Midwest Recovery should lose their license!!
I have a loan from Navient for XXXX school that I have been paying back. I was over due on my payments and tried to make a partial payment on Navient website but it would n't let me make a partial payment under what they wanted which was {$1000.00}. I was forced to put my loan into forbearance again. This keeps happening with them and they have not offered any kind of plan with lower interest rates for me to pay them back.
ON   XX/XX/15    XXXX   XXXX   XXXX   CALL ME TO COLLECT A COLLET ACCOUNT and requested for me to pay the bANK OF AMERICA ACCOUNT AND I DID PAY OFF A TOTAL OF  XXXX  AND NOW BANK OF AMERICA IS TAKING ME TO COURT THAT I DID NOT PAY I BEEN CALLING   XXXX   XXXX   AND NO ONE CAN HELLP ME I DONT KNOW WHAT ELSE TO DO.
Back in XX/XX/XXXX, XXXX erroneously placed my account into collections with XXXX. My balance with XXXX was paid at this time. I didnt understand when received call from XXXX and paid them XXXX . Then realized that I did not need to. By XX/XX/XXXX, XXXX had corrected the issue, sent me a refund check and state my balance is XXXX . Yet, XXXX continues to send me bill after bill and when I call them they dispute that the debt is paid. XXXX is aware of this issue, yet nothing is being resolved. 
Can you please help? 
Thank You XXXX
XXXX of my Barclaycards ( XXXX XXXX and XXXX Visa ) were recently closed for undisclosed reasons. I always paid my bills on time ; never a late payment and always followed their terms and conditions. I had XXXX XXXX points which is equivalent to {$120.00} which I earned through purchases as well as XXXX XXXX points ( {$1.00} ). These points are owed to me and I would like them credited. Quite honestly I believe this financial institution is pulling a bait and switch and am not pleased with their actions. I am strongly considering legal actions.
I have attempted to resolve this issue with Quicken Loans three times now with the continued generic response and non-compliance under the Fair Credit Reporting Act. Quicken Loans has failed to provide me with validation the inquiry was initiated by me. Per the Fair Credit Reporting Act 15 U.S.C. 1681g, I have the right to demand that you physically disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. You continued verbatim response of, We have proof you applied, is insufficient and non-compliant for the act and my request. I am demanding physical validation of the inquiry and that it was initiated by me, including any documents I physically signed. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness. The inquiry in question on my reports are unverified and unvalidated. Quicken Loans insists I was the one who initiated the inquiry when I was NOT. I have placed fraud alerts on my reports yet Quicken Loans refuses to comply with the Fair Credit Reporting Act and continues to report fraudulent activity to XXXX XXXX, and XXXX.
I went to CVS to send money via MoneyGram Payments Systems , Inc. on XXXX XXXX, 2015. I paid {$300.00} cash, of which {$9.00} was transaction fee, reference # XXXX. The money was intended for my mother, XXXX XXXX, in XXXX. When she went XXXX XXXX to the designated bank in XXXX, they informed her that the money was never transmitted. She tried again on XXXX XXXX with the same result. That same day, XXXX XXXX, I contacted MoneyGram about the problem. They told me that my name was incorrect, even though my receipt shows my name accurately. Then they transferred me from XXXX person to the next. I spoke with XXXX people that day. The names I have are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX did not provide a name ). The call lasted over XXXX hours. The last person, XXXX, opened a case, provided case # XXXX. She said she would give me a call after they investigate. They also said that " someone '' had requested a refund, but refused to explain what they meant, who it was, when it was, or any detail. At this point I was highly suspecting FRAUD. 

After 5 days, I had not received any call, so I called MoneyGram again on XXXX XXXX and spoke with several people, once again being transferred repeatedly. They ended out telling me that I would have to wait up to 3 weeks for resolution. They still have never called, not once. When I called again various dates they were unable to provide any information. They said they would assign a single agent to investigate, but they did not provide a name or contact or any confirmation. Later, they increased the time for resolution to 90 days! During my calls with MoneyGram, customer service was downright terrible and unprofessional. Repeatedly being transferred to persons that could not help, and long hold times was very frustrating. The last agent, XXXX, to whom I spoke with would not transfer me to the escalation department even though I had a case number. Instead I had to re-explain my whole situation again. Then I was transferred to a supervisor named XXXX, who did not offer any kind of apology, provided the same canned responses, and then suddenly hung up on me when I said I was not satisfied.
I contacted the credit bureau to find out information about a bankruptcy I was disputing. I was within my rights to ask who the furnisher of this information was as per the FCRA. The customer service representative did not want to disclose the information I was requesting. After going back and forth the customer service representative lied to me and said the furnisher of this information was the court house. I then called the court house and they informed me that they do not send any information to the credit bureaus and it states the same information on their website XXXX XXXX XXXX XXXX XXXX I was lied to about how my information was being reported and that is a direct violation of my rights according to the FCRA. According to the FCRA the bureaus are required to disclose this information upon request. I also disputed the information via certified mail and received a simple response of verified with no further explanation of how this was certified. I am respectfully requesting that this bankruptcy information be removed from my credit report as per the fair credit reporting act. Thank you for your time.
I 'm a victim of identity theft. There 's a fraudulent and unauthorized hard inquiry listed on my XXXX and Experian credit report. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX/XXXX, XX/XX/2017
PayPal has " simplified '' their PayPal Credit process to the point that it 's very difficult to understand that XXXX is applying for credit. I was assessed a {$25.00} late fee on an account that I did n't even know I owned! They cite terms and conditions ... but the real issue is that their process is so frictionless that it 's hard to know it 's there ... .it 's not about T 's & C 's. I have closed my credit account ( and my wife closed hers ), and filed a complaint with them. But it seems to me that the seedy operations for which you have already fined them is continuing.
XXXX, XXXX charged me {$4500.00} to provide social media to my XXXX. XXXX, XXXX failed to provide any services that were promised. During this period of time I have been unable to get ahold of them to resolve the issue. Frankly I have been completely scammed by this company and want my money refunded.
Public Records - Bankruptcy XX/XX/XXXXsent letter to LexisNexis XX/XX/XXXX requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. LexisNexis refused stating it was n't their policy to delete accurate information. 

I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party LexisNexis and they could not delete the item.
False charges to my account. I have called BOA multiple times, they have refused to follow the regulations of my type of account! They charged {$35.00} twice this month. Once for {$1.00} and once for {$15.00}. I have tried to explain that not only is my account set up for overdraft protection. It is also set up for direct deposit where {$12.00} monthly fees are suppose to be waived. Since there are frequent deposits set up monthly they are not suppose to charge that fee. This is what it says when you sign up for the account. Same thing with the {$35.00} a month fees. I was told that there is overdraft protection where my Savings and my Checking are linked for my protection of these fees. 

These regulations are not being applied to my account and when I call into the Customer Service Call Center I am being hard balled by their agents. 

I was told by their agents on multiple occasions recently, that there was a problem with the " system '' allowing the fees to be waived. 

For starters I have overdraft protection, and I can prove that the money was suppose to be pulled out and transferred to protect me from these multiple charges. I was told that they could not fix this problem, though my funds are always in there. 

It was to my knowledge that as the consumer I am protected by these rights and regulations of the bank and FDIC. So why am I getting these fees that are not properly being handled by the bank?
I terminated my lease at an apartment i lived at due to them not responding to sanitary reasons and they sent to collections with Hunter Warfield. I have sent XXXX letters of dispute to HWarfield with no response. They want me to pay the balance of the lease in full and i refuse to do so.
My interest rate was at 2 % for 2 years, after 2 years it jumped to 7.65 % and now for the year XXXX it is now 4 %. I 'm stuck with balloon adjustable rate mortgage, interest only since XXXX. Principle balance has n't changed for 10 years.
My identity was stolen years ago including credit card numbers. Some company who bought this debt, even though I told them that it was the result of identity theft, has been threatening to have me arrested. I have filled out all information to the best of my knowledge and returned to the courts. I am XXXX XXXX   so it is hard for me to maintain a job to either file bankruptcy or hire a lawyer.
XXXX originally handled the loan for my home and property. This loan was then bought by RoundPoint Mortgage Servicing Company, before the first payment was even processed. RoundPoint Mortgage Servicing Corporation failed to use my escrow payments to pay my property taxes, which were due six months ago. I have contacted them six times in the last month ( since the day I received notice from the XXXX that my property will be auctioned due to delinquent taxes ) to rectify this situation. They are clearly in the wrong and have admitted as much. Every time I ask for a status I 'm reassured that all is well. I follow up with a call back, and nothing has been done. The property goes up for auction after tomorrow, and they will not agree to provide me with any confirmation that the taxes have been paid ( after they finally do pay them ), so I can not know that my real estate will not be auctioned. I do not have the funds to pay the taxes myself, though I could use a credit card, but I would have to pay interest on the charge and get caught in another battle with RoundPoint to get them to do the right thing. I ca n't believe this is happening!
I've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX, TransUnion ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I'm requesting that all of the accounts be removed. All of the loans in question and the negative accounts that have been reported are hurting my scores.
Hello, I am filing a complaint against my federal student loan servicer, MOHELA. My student loans have been serviced by MOHELA for a number of years now and I have consistently made my payments which has recently increased to {$780.00}. When I enrolled with MOHELA for online payments, I provided my cell phone number as the means to contact me and I have not changed that number, nor have I given MOHELA any indication that my cell phone number was not the best number to reach me at. I have called MOHELA from that number, as well as received calls from MOHELA from that number. On Thursday, XXXX XXXX, 2016, when my loan was only 21 days past due, MOHELA call my in-laws and left a message about my student loans at their residence. Of course my in-laws immediately called my husband to inquire as to what was going on and whether my student loans were behind, which is clearly none of their business. I immediately called MOHELA and spoke with a representative. The representative indicated that while my cell phone number was still listed as the primary number, that my in-laws phone number had been added through skip tracing. I was horrified that MOHELA would have gone through skip tracing measures on a 21 day delinquent account and when there was already a good number on file. I have never lived at my in-laws address, nor have I ever been associated with their phone number. I am in-house counsel at a mortgage company and I understand fully how this process works. My situation did not warrant the measures MOHELA took. MOHELA has violated the FDCPA by communicating with a third party about the collection of a debt without my consent. I demand that MOHELA pay me a civil penalty in the amount of {$1000.00} that I would be entitled to if I brought a civil action against them, which I would not hesitate to do. At this time, my student loans are current. The {$1000.00} can be applied towards my XXXX payment and the remainder towards my XXXX payment. I also demand that my account be coded to avoid any further skip tracing. Skip tracing is not necessary, the number I have provided is the correct number, and the status of my student loans is nobody else 's business but my own. I am a full time working mother and would like to avoid the need to pursue a civil action, but if this matter is not resolved as requested, I will not hesitate to file XXXX.
Recently while conducting a monitor of my credit report I discovered that CREDIT ADJUSTMENTS XXXX # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from MEDICAL - CONSULTANT but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to MEDICAL CONSULTANTS to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more thatis to only be revealed with the patients authorization, therefore my request is XXXX fold and as follows, Validation of Debt, and XXXX authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Hi, I saw the news regarding XXXX XXXX. I believe I was the victim of the same problem except with Chase Bank. I was issues a Amazon/Chase credit card last week with a {$10000.00} line of credit. My account was not hacked and, since I closely monitor my credit XXXX Equifax, had no inquiries made or reported. Also, I 'm a XXXX year old male with an XXXX credit score, excellent financial health and currently have accounts and credit cards with Chase Bank.
At XXXX on XXXX XXXX, XXXX I received a phone call from XXXX asking if I was XXXX XXXX . I stated that he was not here. They proceeded to tell me that their company is taking legal action against me in two hours if I do n't call their main hq. I got the phone of XXXX. I called the number and spoke with a XXXX XXXX ( Badge ID XXXX. She stated that if I did not make payment arrangements that I will be taken to court for a debt that is over 13 years old!!! I proceeded to tell her that the debt has been expunged and it is past the statute of limitations. She told me that she is a lawyer and that her company will sue me and alluded to having to face jail time ( debtors prison ) if I did n't settle then and there. I knew this was a scam the more I heard from her. I told her to leave me alone and never contact me again. I proceeded to call the the Maryland AG 's office and file a complaint about her company. I am also filing a complaint with the CFPB and the FTC. My number is on the do not call list for debt collection. Please help!!!!