WillisBack/dataset-financial-user-claim huggingface dataset:
My bank allowed charges to go through on a fraudulent charge. On XXXX/XXXX/16 I saw an offer for free trail of XXXX and to pay XXXX for shipping and the end of my transaction it was an offer for another XXXX for the same offer to try as a combo pay only shipping, I made sure no additional payments were required finished my transaction, I checked my account and notice strange charges and called the bank, they said it was international charges. The combo XXXX came a couple of weeks later. On XXXX/XXXX/16 XXXX was charged to my card I checked my email for any invoices or confirmation of purchase everytime i shop on line it is how I keep track of my online spending I did not get anything. I called the bank and I put a stop on the purchased and reported fraud. They reversed the charges and i told them to block the vendor I did n't buy anything for XXXX charged was returned XXXX. on XXXX/XXXX/16 XXXX charged my charged my card again causing an overdraft, I called the bank and i asked how did the charge go through and they could n't explain how it happen they read the notes from the weeks before, so on XXXX reversed the charges again. i still had n't gotten anything in the mail the bank could n't locate a phone number so i could call. XXXX got the XXXX and it had a letter telling me I was defrauding them for not paying. i finally got a number and I called and i told them they were the fraudulent ones, and i wanted to send them back. He told me they did n't take medicine back but they would refund my money, i told him that i told the bank they were fraud, XXXX was his name wanted me to take the fraud investigation off, he gave me a confirmation. I called the bank after i talked to XXXX. I gave her the information she said she took down what i said and confirmation number. on XXXX the bank took XXXX out of my account and then again on XXXX another XXXX stated their investigation show no error the purchase was valid. the paper work from their investigation from their website do n't match the charges from my account. I didn/t keep the pills nor did i keep the papers that came with them. The bank would claim to take notes and more times than one they had no record of my many calls
Today is XX/XX/XXXX, and I just received notice that on XX/XX/XXXX ( less than 15 days away as is the required minimum notification period ), my home mortgage was being transferred to XXXX and all future payments would go to them. There is no instructions on what happens to any advanced payments I made ( I paid my mortgage through XX/XX/XXXX ), and the reviews for customer reports online for XXXX are horrible - it definitely does not make me feel like my home mortgage is in responsible hands. I am concerned and wish I had received more notice so I could refinance or transfer my loan to another entity. Please advise as to how to remedy this.
On XX/XX/XXXX I entered a bill pay with XXXX XXXX in the amount of {$3000.00} towards principal on my Ditech account. The money was received by Ditech and credited to my mortgage account on XX/XX/2016. On XX/XX/2016 Ditech said they returned the money to XXXX XXXX for insufficient funds. This was an electronic transaction from XXXX XXXX so how there could be insufficient funds is a mystery to both me and XXXX XXXX. On XX/XX/XXXX I received a letter from Ditech stating that a payment of {$1000.00} had been returned for insufficient funds and a {$20.00} fee charged to my account. 
Since this time I have made a dozen calls to Ditech, two of which were three way calls with XXXX XXXX. ( I 've made three calls today. ) I was told that customer service representatives are not allowed to forward calls to supervisors on Mondays. Both XXXX XXXX and I have asked for a routing number or copy of the check for the return payment to XXXX XXXX. We have been told by Ditech they do n't have access to routing numbers or specific information about a returned payment. Ditech took 30 days to investigate and sent me a letter stating that the {$3000.00} had been returned due to insufficient funds with no proof of the return. Note that this is a different amount than the original letter. 40 days ago Ditech asked for and was sent a statement of the last 30 days of my account. The transaction is referred to as XXXX on my account. 
Ditech has stolen {$3000.00} and has not returned it. Ditech refuses to assist in finding where the funds have gone. This is theft and fraud. 
I have my bank information regarding the time frame in question as well as a proof of payment from XXXX XXXX
I closed a checking and savings account at First Merit Bank in Ohio. I had an automatic payment setup from my credit card to use the account that I did not remember to update to my new bank account. I received an overdraft fee because the balance was {$0.00} and the transaction was not declined even though the account was closed 20 days prior to the incident.
XXXX of the creditors listed on my credit report is XXXX ( filing number XXXX ), opened in XX/XX/1983, high credit limit of XXXX, curent balance of XXXX, as of XXXX XXXX. Shows a rev pament of {$28.00}, not pastdue, and no history of late payments. This account does not belong to me, and should not be on my report.
On XXXX/XXXX/2017, I was informed that there had been a data breach of Equifax, which contained very sensitive information on millions of people in the US. I was directed to use their tool to check on the status of my information at www.equifaxsecurity2017.com and was informed my information had been compromised. This may include my name, address, social security number, and more. This breach makes my sensitive information potentially public and puts myself at risk for identity fraud, and is an improper use of my information.
I hit a financial low in XXXX 2016. This card was active and paid on time, but USAA closed the card due to my having a charged off loan with them, even though this account was in good standing. I am having trouble maintaining the payments. I was recently offered to have a late fee removed, but that was it. I have explained my hardship, but no representative offered any solution to help me be able to adequately repay my debt.
The closing statement of XX/XX/XXXX there was a XXXX limit on my credit limit. Then on XX/XX/XXXX i check my balance and the limit went down. Call in and spoke with a supervisor XXXX XXXX he said that he dont know why this has happen. Then he said its because the credit bureau told them to drop his credit from XXXX to XXXX. First of all we didnt give them permission to access his credit repoert. So for 3 years we had a limit of XXXX now as of XX/XX/XXXX limit XXXX. What we have going on his credit dont have any thing to do with his credit. We already have a established credit and we pay on time for 3 years now.We want our credit back this isnt fair.Is this how they do they loyal customer
My car loan was sold to Santander Consumer USA ( acc # XXXX ) in XXXX XXXX. I was subsequently laid off and fell behind in my payments then asked all my creditors including Santander for some temporary help until I can be re employed, this occurred around XXXX XXXX. Santander decided to place the past due payments at the end of the contract, to which I agreed. However apparently the very payment which was then due was not included unknown to me. For three years I was billed a late fee which averaged approximately {$24.00} monthly. After I realized what was happening I contacted Santander to seek relief and the reason why that payment was not included in the verbal agreement. None of the agents I spoke to were willing to help, I finally wrote Santander but I have gotten no response. I find it ridiculous that they would do something like this as why this payment could not have been included. I have continued to pay my loan every month since while the unjust late fees continue to accumulate to approximately over {$900.00}. I seek help in getting this late fee overturned. I am a pensioner and live on a fixed income and do not have the money to satisfy Santander 's greed. I was advised to contact you for a resolution. 
Thanks, XXXX XXXX XXXX
Experian is refusing to correct the wrong city they have listed on my credit report. I 've called and spoken with them endlessly and they always promise to correct it but they never do. I 've also provided them, via USPS mail, with all the copies of supportive documentation or ids, they requested from me and still nothing has been done or corrected on their end.
The craziest thing here is that whenever Experian mails me any correspondence, they always mail it to me, using the correct city ( XXXX XXXX ), I live in but on the actual updated credit report they mail me my personal address always contains the wrong city ( XXXX ). Please refer to the 10 included attachments. Lol, XXXX, Lol!!!!
Experian is unprofessionally failing me here by not keeping my credit file completely, correctly, properly and accurately updated!!!!
XXXX XXXX, is the correct city, I live in.
XXXX, is the incorrect city, I live in.
The credit bureaus involved have not properly investigated my dispute of bankruptcy which appears on my credit report. The bureaus are relying on third party information. Per FCRA 611 Paragraph ( 6 ) ( B ) ( iii ), I am requesting a description of the procedure used to drtermine the accuracy and completeness of the disputed bankruptcy. Method of Verification should include the following : Name of courthouse, persons name who verified the dispute, address, phone number, and documentation used to verify the dispute. 
I also request the bankruptcy be deleted if you do not provide the method of verification. Further legal action will be taken.
I tried to make a payment and was forced to choose the following calendar day. This caused a negative mark on my credit report. I called and spoke to a supervisor and he saw in my account there were multiple errors messages on their system evidencing that I tried to make a payment on the actual due date but the system was simply not allowing it. The system stated that everything after XXXX XXXX PST had to be paid the following day. My payment was finally taken at XXXX XXXX PST after multiple tries earlier, which caused it to post the following day. Freedom Mortgage thereafter reported my payment 30 days late. Other banks will take the payment the day it is being paid and if it is processed the next day, it is still marked as received the same date payment was made. After years of having a mortgage I have never been over 30 days late with this company and they have refused to listen to my issue. A Freedom Mortgage supervisor has created a file to try and get them to resolve this issue. He stated after looking at my file that if it were up to him from everything he 's seen, he would have the negative mark deleted from my credit report. This supervisor does not have a direct line customers can access and I have not heard back. Given this bank has no physical location in Nevada and that my payment was timely but not accepted by their computer system, I do feel Freedom Mortgage 's practices are unfair.
Diversified Consultants should be fined for reporting a debt that was clearly reported a fraud to XXXX. I have reported this debt many times to XXXX  and also Diversified Consultants that this was fraud and Diversified Consultants continue to report this
On XX/XX/XXXX I tried to schedule a payment with Freedom Mortgage Company in the amount of XXXX the amount of my current mortgage payment. I TRIED to make the payment by XX/XX/XXXX payment options that were available each payment option told me I was not able to make the payment because I did not make the payment in full ( including late fees ) I was told by multiple supervisors that the late payments could be done at any time and was not required to be made at time of monthly payment. I feel discriminated against because I had financial difficulties in the past and I am now trying to get my finances in order however Freedom Mortgage Company 's payment system is basically designed to not allow you to make your current mortgage payment ... it makes you pay the entire amount in full when it States you can make your monthly mortgage payment free of charge however the system only allows you to take advantage of the free options ... if you don't have any past due balances ... this disclaimer is not stated on any documents. For people who get paid on the XX/XX/XXXX and it clearly states I have until the XX/XX/XXXX to make my payment they allow no free options like they do for regular customers this is very deceptive practices. There is no time to mail a payment so the only option there is ... make a payment over the phone with a representative ... so because I had financial difficulties in the past ... Im being punished with a XXXX fee each month because I have no other options available to me to make my mortgage payment free of charge. I can't help when an employer decides to pay its employees and I shouldn't be penalized either.
My XX/XX/2019 payment was auto drafted for more than double the amount of the payment. I promptly logged into the Shellpoint Mortgage Servicing website and saw that my escrow analysis had been redone. I quickly saw that Shellpoint had forced placed insurance on the home, even though in XXXX  they listed themselves as lien holders on all my insurance policies. These insurance policies have been in place the entire duration of this loan. I also saw they had listed county and school taxes. These taxes are not associated with this home, and taxes are not escrowed with this loan.

I called Shellpoint on 1/2 and explained these errors. They notified me that the correction process would take a few weeks. I have emailed and mailed Shellpoint all copies of my insurance, and sent a letter explaining the errors. I have continued to call back, at least twice a week, for updates. A few times I was told that they would have a resolution by 1/19. Today, I was told they still have no resolution. The taxes still need to be reviewed and escrow analysis done again. My escrow account has not been refunded the erroneous forced place insurance policies. I confirmed with them that I owe a 2/1 payment, and it is still more than double the amount it should be.

How many people can afford to make two mortgage payments in one month 's time? That is what they have done to me, and are trying to do for the second month in a row.
Second request : I submitted a request for collection agency XXXX XXXX, who says the are collection on XXXX XXXX XXXX. I looked up XXXX XXXX XXXX it shows the location for XXXX XXXX. I contacted XXXX XXXX spoke to regular billing and Physician billing and they are not aware of this company. I asked the Physician billing to look for this amount for {$220.00}. The representative could n't locate it and again gave me collection agencies they used and said XXXX XXXX is not one. I am asking again this account be removed from all 3 credit bureaus. Also I signed a HIPPA and this account should have never been sent to collection, when I was never contacted about this account nor balance. This is hurting my credit score and I would like this removed.
Beginning on XX/XX/2018, a small withdrawal was made from my savings account in the amount of {$.00}. Then beginning on XX/XX/XXXX through XX/XX/XXXX 33 other transactions were unauthorized by me, the owner of the account, were made. Transactions of {$5000.00} or more were made in one day, specifically on XX/XX/2018. 

Not only did this fraud completely wipe out my entire savings ( 5-digits ) but Suntrust Bank authorized so much fraudulent activity that my account went 5-digits negative 5-digits. I found this activity on my own when checking my account on the evening of XX/XX/2018. 

I called and reported this immediately after discovering the fraudulent activity in my account. The woman on the phone didn't advise me in any way on what the process would be for my claim or how the bank would move forward with my case. One of the affidavits sent to me didn't even have the right amount on it.

This is completely unacceptable for a bank to not catch 33 transactions within a 2 week period that have fluctuating withdrawals that range from .01 $ to {$10000.00}, especially when these large withdrawls were being authorized while the account was already wiped clean.
Bottom line we have XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX accepted employment that was rumored he had before the State announced the {$53.00} XXXX TAXPAYER-FUNDED INCENTIVES with Movemnet Mortgage. XXXX is a XXXX for Movement Mortgage in XXXX with a substantial salary. Movement mortgage is best known to pay referral sources to be the in house lender such as XXXX and XXXX and XXXX XXXX XXXX well over XXXX figures a year each.. So lets connect the dots, XXXX now Management with a mortgage firm that accepted {$53.00} XXXX in TAXPAYER MONEY for incentives to then turn around and pay private enterprise for business for himself to earn a very well paid living. 
See his web site to where he said these type of deals are outrageous!! 









SC Lawmaker Gets Gig With Company Receiving Tax BreaksMORE STATUS QUO CORRUPTION FROM XXXX STATE 'S RULING ELITE|| By FITSNEWS || A South Carolina lawmaker has XXXX given a job with a company that got more than {$50.00} XXXX from XXXX State taxpayers. 

Movement Mortgage - which received XXXX} XXXX in taxpayer-funded incentives in late XXXX to relocate its corporate headquarters across the border from XXXX, XXXX to XXXX XXXX, XXXX - has hired XXXX XXXX XXXX XXXX. XXXX announced his hiring via XXXX on XXXX. 

XXXX is close friends with XXXX governor XXXX XXXX - whose administration approved the incentives package for XXXX. 

Sound shady? It is ... 

This website has repeatedly railed against government-subsidized, market-distorting incentives - arguing they provide certain companies with unfair competitive advantages at the expense of individual taxpayers and small businesses. Also, South Carolina 's escalating use of such incentives has failed to create jobs or raise income levels over the long haul. 

Now we learn a state XXXX is getting a job from XXXX of the company 's benefiting from these anti-competitive subsidies? 

Shameful ... 

Also XXXX Mortgage - despite its claims to the contrary - appears to be re-inflating a new housing bubble by offering loans to those rejected by banks. 

" We do n't want to go back to the subprime days, when we were extending credit to the wrong folks, but we do want to make sure we 're extending credit to those borrowers who do have the ability and capacity to repay the loans but XXXX just not have traditionally documentable income, '' the company 's founder told XXXX earlier this year. 

Yeah ... what could possibly go wrong? 

XXXX XXXX XXXX 2015 XXXX Terms Privacy & cookies Developers English ( United States XXXX
Equifax send back results as verify by creditor when account has been dispose off or accounts have not been properly verify.
A summons was given to my employer of a company I do n't recognize and I think is an identity theft account. I am very disappointed with how they have humiliated me with my employer and now my Job is at risk. I am ready to sue them and will go to court on this matter to small claims.
I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$900.00}. APR is 670 % with a total finance charge of {$2700.00} over the life of the loan. Semi  monthly payments of {$280.00} began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments were being debited from my XXXX XXXX checking account via ACH, but I have recently sent XXXX XXXX written notice that I have revoked authorization for ACH debits.
Hi, I am having problem with my student loan agency. They continue to call me after I have made a posted dated payment over two weeks ago. They informed me if I made a posted dated that the call will stop. However they have call me almost everyday and multiple times a day. Every time I told them the same thing, that I made a posted dated payment. I feel like I am being harassed ....
XXXX offered a special of receiving {$25.00} dollars if open a credit card account. Since I order quite frequently from XXXX I felt comfortable with doing this ... .I ordered my items, utilizing the {$25.00} toward purchase at the time ( This was in XX/XX/2018 ). The balance was then place on the card. I never received a bill for this until there was a late fee showing. I immediately made a call to Customer Service XXXX XXXX at XXXXXXXX ( as well as going to the website ) - website did not provide any access, after several diligent phone calls, I finally was able to speak with a representative ( he was not helpful, requested my social security number and I was not comfortable with providing this to him over the phone-by now feeling " scammed '' ). I requested a bill to be sent to my address, sometime on late date (? ) I received bill and made payment for the merchandise I purchased and did not pay the late fees ( which were accumulating due to XXXXXXXX XXXX lack of efficiency. I continue to receive bills with increasing late fees ( I have requested in writing to be provided a statement with anything owed ( a break down on what the charges are ). I checked some reviews and it seems other people have also been scammed. I have excellent credit, I have thought of just paying it ... yet it doesn't seem " just '' that this company continues to scam people, very frustrated that XXXX would even be associated with this type of business. I would appreciate any support or advisement from CFPB. 
Sincerely, XXXX XXXX XXXX ( XXXX )
XXXX XXXX XXXX XXXX is reporting an unfair late payment recently. I have attached a letter of explanation as well as supporting documents with this complaint. I have disputed the late payment reporting with XXXX XXXX directly as well as all three major credit bureaus and I do not believe the treatment has been correct or fair. 

In my attached letter I explain exactly WHY the I should NOT have incurred a late payment report from XXXX XXXX. 

To summarize : I was charged a late payment after incurring a annual fee for a card I had not been using. I had not received any statements in the mail notifying me of a new balance and emails were sent to my spam folder. 

When I called to resolve the account I was told the fees would be reversed. 

Since the fees were in fact " never incurred '' or reversed I should not have incurred any late payment reports since no payment was due. Essentially I 'm being reported for being late paying fees that i had never incurred or were reversed. There was NO balance from purchases I had made on this account Please see my letter of explanation attached with this submission. 

Please investigate.
I borrowed {$400.00} in the beginning of XXXX 2017 from an online payday company called Big Picture Loans. I have borrowed from them earlier this year and was able to pay off the loan quickly so I did n't have to pay high interest fees. I have made 4 payments of {$130.00} which is a total of {$520.00} on this current loan. I wanted to pay off the loan last week, it said I had a balance of {$390.00} which is ridiculous because I 've already paid {$120.00} in interest however I just wanted it paid off so I was going to pay it. When I tried to schedule the payment it said my payment would be {$480.00}!! Why would I pay almost {$100.00} more than what it said I owe?? I did n't have this problem with the first loan so I do n't know what is going on with this company. They are n't willing to work with me at all, the customer service representative claims he was helping me by saying I could skip my upcoming payment however then I would owe over {$600.00} on XX/XX/XXXX. HOW IS THAT HELPING ME?? If I want to pay it off why do I owe so much. This company is not clear on pay off amounts, the representative just said its computer generated and there is nothing he can do. I ca n't even upload the documents because the website does n't allow me to. This company should be closed, they are thieves!!