WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I made an online payment for my mortgage from my checking account ending in XXXX. 
XX/XX/XXXX - The payment posted. 
XX/XX/XXXX - Received an email stated that an overdraft item fee was applied to a different checking account ( ending XXXX ). 
XX/XX/XXXX - Called BB & T, and customer service indicated that there was an automatic draft setup for the mortgage, but since I made a manual payment on XX/XX/XXXX the account was current. As a courtesy the overdraft fee of {$36.00} was refunded. Additionally, the representative assured me that she would remove all automatic payments ( because I wasn't aware of it/never used it since being a customer ) and would add a note on the account that the customer does not want any automatic drafts and that I would not incur any further issues related to this matter. 
XX/XX/XXXX - Another email was received that my account ending XXXX incurred a return item fee of {$36.00}, for another mortgage payment! 
XX/XX/XXXX - Called BBT after returning from vacation and was told that it was not a bank error after being passed from multiple representatives. The account shows that the mortgage was current as of XX/XX/XXXX, but BB & T stated that they could not do anything to stop their system from processing another payment!!!! So ultimately, I was charge 2 return item fees because of their faulty system. I was told that I am responsible ; that they could not assist me any further and will need to file a complaint. 
I am so frustrated because I could not get anyone to explain why I can't stop BBT from retrying a payment on an account that is not past due.
there are fraudulent student loans reporting in my credit report  XXXX    XXXX   XXXX   XXXX    acct  XXXX  the item masquerading as a account reported on my credit report on approximate ly 2 wee ks ago and i never had these fraudulent loans on my trannsunion report i have all of my transunion reports and i have never had a   XXXX   XXXX   XXXX    posted to my transunion not to mention they are posted from a fraudulent address  XXXX    XXXX   XXXX    XXXX  ga this address does not exist. i have been a victim of identity theft and transunion gas my valid police report and identity theft affidavit along with a ftc report. By law and fcra and fact act they have to remove unverified and fraudulent items i am prepares to seek litigation if they do not remove these fraudulent items at once not too mention i am prepared to put transunion in commerce and bill them  XXXX  dollars a day for having items masquerading as accounts
I applied to refi an existing loan in early XXXX. I submitted all the forms and paperwork promptly. Since then the bank is apparently losing my paperwork because they have asked me for the same documentation three times. I have left messages and sent emails and received no response and had to escalate to the mortgage banker 's boss who simply referred me back to the original person who was not getting back to me. A few weeks ago my file was referred to a processor who said my file was not exactly in order and he would help me move this forward. He gave me a list of documentation the bank needed. I went over the list with him and referred him to the emails and dates I had supplied the documentation to my previous contact. He asked me to sign the same IRS form I had previously signed which had been filled out by his company incorrectly. I offered to send more documentation and he said no, we needed to wait for the transcripts from the IRS. Today, I received an email from him asking for yet more information, most of it already supplied. A key point in this situation is that I am a current customer of this lender, I am refinancing less than XXXX the appraised value of the house, my annual income is equal to the value of the house, I have virtually no debt and a XXXX score of XXXX. This refi should be simple but it has been nothing but a series of frustrations since early XXXX. We are now into 90 days and I am concerned my locked in rate will be gone. It appears that I am lost in the shuffle of paper throughout a huge bureaucracy that has very little concern for customer service.
I have authorized electronic/paperless delivery of all my monthly statements & bills for multiple accounts & have not incurred any problems with delivery other than Cap1/Cosco The membership renewal for Costco was sent to my spam folder in XX/XX/2015 which I do not monitor because I have not used the card to incur a balance since XX/XX/2015 due to prior issues with " their '' statement delivery. In XX/XX/2015 I was clearing my spam folder & noticed a Costco account alert e-mail. This was a renewal of which resulted in late charges & a credit report of a balance unpaid after 30 days, which in turn resulted in a XXXX point drop on my credit rating. Although the membership renewal was not paid since XX/XX/2015 I was still allowed use of the membership card for access & multiple purchases. My long standing credit file & payment history was recognized when I spoke with an account representative who said she would transfer me to a capitol one account representative who could further assist me in resolving my issue. The Cap/1 representative responded that it is their legal responsibility to report any balances due over 30 days to the credit reporting agencies & could not assist me any further. Although I can sense the outcome, I forge forward & recontact yet another Costco account representative who also recognizes my excellent credit history & is willing to wave the {$1.00}? balance due so that my account would be paid in full .When I first became aware of the renewal e-mail I did proceed to pay in full with late charges & all {$120.00} ( XXXX/XXXX/15 ). I have no idea were a balance due of {$1.00} relates to nor did the representative ( today XXXX/XXXX/15 ). Nonetheless she was willing to wave the {$1.00}, as well as offer a credit for {$50.00}, but could not offer any resolve to the 30 day delinquency as reported. I can provide copies & dates of all as explained per request. In closing, after all these years I have managed to adapt to the inevitable changes that we experience & accept everyday, but I just do n't get it. With that being said I hereby request " your '' review & assistanceSincerely,
I tried for 46 months to get a loan modification with XXXX and Ocwen. I had a sincere desire to get something done, but at every turn it seemed like the lenders did n't really want to help me. I got excuses, from " you did n't send in all the paperwork ( which I did multiple times ), to we lost it, to you did n't get it in on time so you 've got to start over. '' I never would have been that far behind on my loan had the banks given me what I deserved when I first asked for it. My loan originated with XXXX and was a ridiculous 9 % interest only loan, which I have been told is considered PREDATORY. After 46 months and no sign of help from Ocwen I finally had to hire a law firm to try to get me a deal and make sure Ocwen did n't just sell the house out from under me. The law firm did get me a modification, but it does n't take me out of hardship. While the lender did lower my mortgage payment, the payment is still 52 % of my gross monthly income. According to the HAMP guidelines, I was under the impression that my lender was suppose to lower my mortgage payment to between 31 % and 38 % of my income, but they did n't do that. To top it off, they have thrown a $ XXXX baloon payment onto the back of the loan. They sent an appraiser over to appraise the value of the house and he did n't even come inside. They are trying to say that my house is worth much more than it is. While there is a mansion with all the best materials that sold down the street for $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ) recently, my house is only similar to that house in square footage. Another house in the neighborhood which is a lot more comparable to mine XXXX XXXX XXXX XXXX XXXX just sold for $ XXXX. According to the lender I owe them over $ 740K, but they did not reduce my balance because they are trying to say my house is worth much more than it is. While I am grateful to get anything after 4 years of going through XXXX with my lender, I have XXXX kids and simply can not afford a {$3100.00} payment on {$6000.00} in gross income. My hope is that you will investigate this matter and at the very least force my lender into giving me a fair deal so that me and my family do n't have to move. I believe they could have lowered my payment further if they were n't trying to deceptively and artificially raise the value of my home. I also believe the $ XXXX baloon payment is obnoxious and unethical. Is n't the point of these programs to give the homeowner a fair shake so they do n't have to ask for assistance again in the future? 38 % of my gross monthly income is $ XXXX/month, so how can the lender justify a {$3100.00} payment? I want to keep my home, but I also need to feed my family and pay for bills. Please help me get a fair shake with Ocwen.
So on the early morning of XX/XX/18, i was awake whena depost came through that I had been waiting for that i really thought would show up at another bank. I immediately transferred the money to another account so that i could withdraw the cash Wednesday morning at the branch. I went into the branch on XX/XX/18 ; Wednesday and withdrew XXXX from this other account. While at the branch, i was never told that my account was overdrawn and when looking at the app i never saw a pending transaction, or a scheduled transaction. On the morning on XX/XX/18 i woke up to my account being overdrawn by XXXX and some change. I called navy to find out what happened and to get them to reverse the payment that was made to a checking line of credit. I was told that i set up an automatic transfer, which i never did, and that the payment would not be reversed. I spoke to at least 3 representatives that did not really know how to handle the call and then i was transferred to a manager who insisted on talking over me and saying that the only one who took money out of the account was me and not navy. Why would i be allowed to transfer, and withdraw money that is not available for me to do so, especially if the line of credit is frozen and would not cover any negative activity on it. This should have never happened. I would also like a time stamp of all transactions which i was told was not available. At the end of my conversation with the manager i did have a little bit of an attitude, but i was cordial and polite and told him all my info was up to date with the bank. O hung up not satisfied and the banker telling me that instead of owing money to line of credit i now owe the exact ammount to brong my account balance back down to XXXX. I would like them to show me that i have a signed contact ; which is a meeting of the minds with 2 signatres show navy took from their profits and that navy has been harmed in anyway. They have not, but i have.
I have an account with CitiBank that ended up with Fraudulent charges. Citi was good enough to call me to check on the unusual activity within 2 days of the incident. Several charges were identified as fraudulent which they said they would take care of. A few days later after review my account, I called them to ensure all fraudulent charges were part of the investigation. After several ( 5-6 ) calls, I am still waiting for them to refund all the charges. It has been since XXXX XXXX. At this point, there is still XXXX charge remaining ( {$64.00} posted XXXX/XXXX/16, Description XXXX ), interest has been charged ( {$5.00} ) and a payment is due. I do not want this to effect my payment history but am unable to get the final charge refunded. My most recent call on XXXX, I was told said it would be credited in 3-5 business days. My call yesterday provided no additional updated ... .they are looking into it and no a supervisor was not available. Hoping you can help with resolution.
I HAVE BEEN GOING BACK AND FORTH WITH EQUIFAX SINCE LAST YEAR ABOUT THIS XXXX XXXX ACCOUNT. I HAVE SUBMITTED PROOF TO THEM SEVERAL TIMES THAT THIS ACCOUNT IS NOT MINE. I HAVE CONTACTED XXXX XXXX GLOBAL FRAUD TEAM WHO HAS TOLD ME ORE THAN ONCE THAT THE PHONE WAS BEING USED MOLES AWAY FROM MY ADDRESS. YET EQUIFAX CONTINUES TO ADD THIS ACCOUNT TO MY CREDIT REPORT. THIS IS THE SAME COMPANY THAT ALLOWED MY INFORMATION TO BE BREACHED AND KEPT IT AWAY FROM ME AND MILLIONS OF OTHERS CONSUMERS. THE CONTINUE TO ALLOW FALSE INFORMATION TO BE ADDED TO OUR CREDIT REPORTS. THIS BUREAU NEEDS TO BE MONITORED ON A DAILY BASIS BY HIGHER AUTHORTIES BECAUSE THEY ARE CONTINUING TO HURT CONSUMERS BY ALLOWING FALSE INFORMATION TO BE ADED.
I paid this contested parking ticket months ago and it was still sent to collections. After the first collection attempt I followed the instructions to prove the debt was paid and they are still attempting to collect it from me. When I call their phone number provided and attempt to speak to a human it hangs up on me every time. I want this stopped before it wrongly affects my credit. I have complete proof that the debit was paid and that the amount demanded is not correct.
NOTICE OF ERROR ;  XXXX   XXXX  HOLDS VOID ASSIGNMENT THEREFORE HAS NO RIGHT OR STANDING TO FORECLOSE ( WRONGFUL FORECLOSURE ) The Supreme Court of California held that a borrower on a home loan secured by a deed of trust has standing to base an action for wrongful foreclosure on allegations that defects in the purported assignment of the note and deed of trust renders the assignment void.  XXXX  v  XXXX   XXXX   XXXX   XXXX ,  XXXX .  XXXX  (  XXXX .  XXXX ,  2016  )
Wells Fargo is refusing to drop PMI. In their response letter they stated, " A new appraisal will not be taken into consideration '' and " the original amortization schedule will be used. '' I feel this is unfair and deceptive. I was under the understanding that once my loan-to-value reached 78 % and or 5 years of on time mortgage payments I would qualify to have this extra charge removed. 

I have never missed a payment, nor been late. I have an impeccable history of payments and want help fighting the removal of PMI. 

To add, my loan is a FHA loan and refinancing is not an option at this time.
I am requesting that TransUnion immediately update and correct the address listed on the TransUnion Credit File to read : XXXX XXXX XXXX Ct XXXX, XXXX, WA XXXX. My Social Security # is XXXX and my Date of Birth is XX/XX/1988 in case it is needed to correctly identify me in their system.
Hi i sent letters with the past three month to all three credit bureaus and have not got back any response.
I called XXXX after noticing that Professional Debt placed a chapter XXXX comment on my credit report.Since I have never filed a chapter XXXX I requested XXXX to remove this incorrect information. They refused.I need this company who I do n't really know to tell me who or where they got this information from then remove it from my credit report
First, I checked the only issue even close to mine. I suggest other ways to describe so as to go forward honestly. So, here, I will just tell you. Yesterday. XX/XX/2018, I clicked within my XXXX card online to see my credit score. It was very low, and surprisingly so. It gave reasons as to why a score can be low, however, none of those suggested apply to me I don't believe. I then went online to get information about Transunion, and found many postings stating that Transunion does not delete old late accounts. In the past, we had issue with medical bills, and did have lates.That was several years ago, and don't know why these should be allowed with newer information. I have now established credit, as opposed to cash as before, do not have any 30 day or other lates as I read I have. I called Transunion, and to verify who I was, the CSR asked for my full social security number I asked him why he didn't ask for the last four, found out he was in XXXX, and was taken aback by both answers. First, I resent greatly that our goverment outsources and steals our jobs away from us, the citizens. Second, I was suspicious to finish my reason for calling because of his not asking for the last four, which when questioned, did change it to four. I had an excellent result from a previous issue wherein XXXX charged not only me,  but many people for a credit " watch '' service I didn't order. Within about a week and a half, I was refunded. Thanks for that CFPB.
My payment has changed 3 times in the last 4 months the company I 'm I am currently with capital mortgage services has escrow analysis on my account in correctly multiple times the previous loan servicer I was with  XXXX  all is now dissolve company and no longer exist they put on   XXXX   XXXX   insurance and did not update my house insurance policy therefore the insurance was {$2600.00} a year now they will not give me any refund they have took all the money out of my escrow and they are changing my payment and charge me  XXXX  more dollars that my payment was before I need your help please
After BarclaycardUS.com rejected one of our XXXX XXXX account checks [ with one of our vendors ] accompanying with the offer of 0 % promotional APR through at least XX/XX/XXXX, on XX/XX/XXXX. We called around XX/XX/XXXX to find out what was the problem when we were notified by mail. It is now after to the XX/XX/XXXX deadline for the offer to remain valid. Meanwhile, another 0 % APR offer arrived with a deadline of XX/XX/XXXX. The representative now asks us to file out the application online for the balance transfer to be honored. We asked if XX/XX/XXXX, the new 0 % offer could be applied to this application since we will not get a decision on this online application until after the XX/XX/XXXX deadline. The representative stated this new offer was good to apply to our online application and she would make a note of it in our account. After paying {$250.00} in fees for this approved balance transfer, we were shocked to learn on our first statement no promotional date was applied and we were being charged another 16.24 % interest for the vendor balance transfer due XX/XX/XXXX. We called again asked them why the new offer with a promotional date of XX/XX/XXXX, was not being applied and they stated that offer was not applied to the loan transfer and standard rates applied. I told them that someone lied to us then and we would not have made the transfer only to take our business elsewhere & pay another balance transfer fee. Our balance has been at XXXX for years and it would have remained at XXXX if what we were told by them while filing the online application was not true. Their response : They would not admit they lied to us and did not care if we found another 0 % offer with our over 800 credit scores. BarclaycardUS.com provided misleading facts during our application process and lacked in its fiduciary duty to lending to the public. They never came out and stated this application will not qualify for the new offer. We thought we had an agreement that included the new offer with a promotional date of XX/XX/XXXX, and 0 % until that date was reached.
I have been writing these companies since XXXX. I do not understand why they have not removed these accounts because they are not mine and are because of my suffering from identity theft. I have written too many times to count and my last letter to each was just last month.
Portfolio Recovery XXXX XXXX XX/XX/2019 received call asking for deceased Husband, when told he passed away " XXXX XXXX '' insisted to speak to him, asking when did he pass away told her XX/XX/XXXX .She insisted to know what year? .I told her I already sent you death certificate and all that information, She continued to ask in loud tones WHAT YEAR, What Year, Being Upset and woken up, I said this year by mistake, She then Said loudly and mad its XX/XX/2019 it cant be this Year. I then told her I sent you all this information including the death certificate.She hung up, I composed myself, best as I could being very upset to be woken up like this. Im XXXX years old. Then I called back, they would not give me that person to speak to.The person insisted on getting more personal information that was not his business, insisted they said we don't have access to that information. I told him the call was being recorded and told them if they call again I was turning the recording over to the lawyer in town. They kept telling me to verify everything I said, including getting my address and phone # Finally I said No I sent you certified Mail for everything needed for this address. Portfolio Recovery has also sent mail to all my relatives in other states, address to me,
Roundpoint Mortgage has repeatedly not returned my attempts at contacting them since they have acquired my mortgage loan. Their phone system hangs up on me at least once during each attempted contact. It is now three months into their acquisition and they ca n't tell me whether or not my insurance is lumped into the monthly mortgage payment. They have locked me out of my own account without any sort of notice or explanation. I feel like I have no way of knowing whether or not my mortgage loan is being taken care of.
I had an XXXX collection from XXXX for {$820.00}. I refused to pay the original amount to XXXX because it was for internet service that i asked to be disconnected on my kids cell phones. Somehow my 10 yrs activated the internet service on the phone and i was charged around {$200.00}. 
I disputed the charges but XXXX XXXX XXXX refused to remove the internet. I immediately cancelled the account. The bill was sent to collection. 
in XXXX XXXX i received a collection letter from XXXX XXXX financial systems for the amount of {$820.00} and i was offered a 50 % discount to settle the debt. I took on their offer. 
I paid {$410.00} with my visa XXXX XXXX XXXX card on XXXX XXXX. 
I have proof of the payment, i have copy of their original letter. 
I never received proof of payment nor the settlement was reported to any credit reporting agency. 

Now for the last two years i have been receiving collection letters trying to collect the remainder of the original debt. SCAM. 
I have been receiving collection letters from COMMONWEALTH FINANCIAL SYSTEMS asking to collect {$410.00}. 

To me this is illegal, I try to reason with them but to no avail. 
Please help. 

1 ) i am sending proof of original collection letter with offer of XXXX % discount. 

2 ) proof of payment. XXXX XXXX XXXX card statement. 


3 ) latest collection letter.
I have mad e 3 attem pts to rectify this account with this debt collector. No matter how much sense it makes they just continually say the same thing. My first problem is my lease was broken  by 2 weeks n ot 4 months. The lease dates are not correct. The lease they provided me was not dated by me or the resident agent because I opted not to renew the lease. Also there are previous charges of almost {$3000.00} but they failed to provide a printout for what those charges were for.They have to early termination charges of {$1700.00}  one states Pre-Term the other says Lack of Notic e which is the exact same thing worded differently, also in the contract there is not a clause presented in reference to early termination fees. The amount they are saying I owe is utterly ridiculous.