WillisBack/dataset-financial-user-claim huggingface dataset:
A former lender of my mortgage transferred the mortgage without releasing the title and is holding up the who process of getting a much lower interest rate. I have contacted them and the only method is to submit a fax to there research department. This is not right all the fees we pay during our mortgage and this is what we get. I could potentially loose my lock because of there mistake. Can I file suit for the difference in interest rates. Ocwen offers little help to fix there mistakes and they should be penalized for this.
I had XXXX large automatic drafts occur unexpectedly over a holiday weekend, this caused my account to not have sufficient funds available for swipes that occurred over the holiday weekend ( XXXX ) .I called the bank immediately after realizing the situation and plead my case asking for leniency and help with reversing some of the $ XXXX in overdraft fees alone. explained that I have been a customer at this bank ( regions ) for over 13 years and needed some assistance due to my financial situation. I then spent the next week making frantic transfers anytime my account was in danger of being overdrawn only to get hit with XXXX more overdraft fees when the sequencing of posting was off by who knows what. again I called the bank to try and determine what happened once again plead my case and ask for leniency to no avail.
In XX/XX/2015 I leased a new vehicle using XXXX XXXX for the 36 month term. As the term approached maturity, within 90 days, they began to call me to inquire as to what my intentions were at the end of the lease. I immediately informed them I would be purchasing the vehicle at the agreed upon price. They proceeded to call me every three to five days and asked the same questions and state the same policies about lease ending practices. I repeatedly told them I would purchase the vehicle at lease end. The calls never stopped. Let me add that I was never late with any payment for the entire term. As promised, and as directed, I acquired a cashiers check for the payoff amount and sent it certified overnight within ten days of maturity. The company received the check and signed for it. The next day, the calls continued with the same old questions as to what my intentions with the vehicle were. My complaint is about harassment and lack of follow through with customer requests regarding a large amount of money. I was NEVER late with a payment and did everything I was requested and required to do, however I have over 20 documented XXXX calls berating me at lease end over a 3month period.
I have applied for forbearance due to debt and a divorce in which was enabling me from paying loan amount on time. I have sent over several applications and no response just emails indicating i need to pay. Also loan amount seems larger then what i recall. Need this to be confirmed.
I applied to Capital One XXXX  card and got denied. My credit score is a XXXX. I assumed I had a fair chance. Please help me understand why I was denied
Consumer Finance Protection Bureau XXXX XXXX, XXXX Please file this formal complaint against : First National Bank of Omaha XXXX, XXXX XXXX Consumer Finance Protection Bureau Specialists, Please consider this a formal complaint against First National Bank of Omaha ( FNBO ) XXXX Credit Card Program. 

I have attached screen prints of my online account ( XXXX ending in XXXX ) to support this complaint. 

In XXXX XXXX, FNBO stated my minimum payment due on XXXX XXXX, XXXX, was {$320.00}. Since I was going to be traveling, I submitted the XXXX payment early. I made XXXX payments of {$160.00}. XXXX on XXXX XXXX, and and the other, on XXXX XXXX, to keep my account current. FNBO accepted the payments, and showed my account not only as current, but with XXXX amount due for XXXX XXXX, XXXX. ( Please refer to attached FNBO account documents ) On XXXX XXXX, XXXX, I reviewed my account online, and was surprised to discover FNBO showed my account in arrears, and delinquent for XXXX XXXX. A warning banner appeared for my account, along with a late fee, and a {$410.00} mininum payment due XXXX XXXX, XXXX. FNBO also severely damaged my credit profile by reporting my account as delinquent to the major credit bureaus. I submitted the {$410.00} payment on exactly XXXX XXXX, and my account is current. 

It appears FNBO 's payment processors will not credit any minimum acceptable payments made in advance of the due date. These early payments are posted as made, but not credited towards the future payment due date. 


Until FNBO resolves this erroneous payment processing, I am not submitting anymore early payments. This also had occurred previously in the month of XXXX XXXX, but I was unable to download my account information because FNBO listed my prior payments as " unavailable. '' I am requesting for FNBO to immediately remove their delinquency listing from my consumer credit report and, to refund my XXXX XXXX, XXXX payment of {$410.00}, Hopefully this letter and my attached documents will assist other consumers who are also having their payments not properly posted. 

Please give this matter your most direct and expeditious attention.
I have tried to correct these issues with Transuion many times, I have sent out letters asking for validation of these accounts and all they pretty much tell me is that they " verified '' the account. I send of f 4 different letters on 4 different occasions (   XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX    )  and they still failed to send me validation of these accounts. According to the Fair Credit Reporting Act the company must validate these account rather then just report this inaccurate information. Below I Have Attached Their Responses to my request. & Yet Thes e Inaccurate Accoun ts Still Remain.     Accounts Listed Below :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I filed a complaint about 10 days ago with this office a day or 2 after filing the complaint I received a phone call from a rep in the executive office claiming that she wants to help me, but the fact of the matter is that even after waiting my time with her for hours repeating and explaining my issues as well as she admitting that they were wrong she wasn't able to resolve this issue and just continuing to waste my time with flawless resolutions back and forth which are fruitless and non sense while she is aware of the non sense. Other than wasting my time and their time nothing is moving, they don't feel sorry enough to rush it or do something at least to prove that they are taking responsibility on their failures.
Associated Bank knowingly misled me, I tried to set up arrangements on the account but I was given bad information from customer service who told me to go the branch no later than XXXX/XXXX/16 to make payment arrangements. The branch told me they do not make arrangements, I advised the branch that I did not have the money because I am fighting with XXXX XXXX to resolve this matter, they should have a resolution by XXXX/XXXX/16. There was no way to for me to take the money because it was not mine in the first place, my mother deposited that money from other account from the bank that she shares with my stepdad, she was going to use that money for her trip in XXXX now it is gone. I should have been told by the branch or customer service they were going to take all of the money from the account, I was notified on XXXX/XXXX/16 after I have tried to make arrangements. I do not believe my mom should suffer because my checking account ( that is in my name only ) was overdrawn. She was not notified by me that my checking account was overdrawn because it was only in my name. They were being dishonest and now I was told on XXXX/XXXX/16 that all payment arrangements had to made within 45 days of the account being overdrawn, not 60 days. My mom has been a longtime customer at Associated Bank and should have her {$300.00} credited back to the account. Like I advised before I could n't just take all of her money out because she will be using it herself. Associated Bank hid information from me. I want my mother 's account credited back the {$300.00} because it is not fair because she was unaware of this situation. I also advised them that my aunt passed away and her funeral was Saturday, my mother was upset about that and I do have the obituary as proof of what I am saying plus I work from XXXX Monday through Friday. It is not my fault that XXXX XXXX did not pay the {$330.00} check but per their guidelines, the matter will be handled by the legal department.
I paid off my car loan to TD Auto Finance and they still withdrew a payment for the loan. I have tired to phone them, no success. I sent them a message regarding the situation and the response is it may take up to one month to receive a refund for the dollars they took out of my account. One month is unacceptable.
On my account I had charges I did not owe. They kept billing me any how. A Company called me to make arrangements on my balance stating they were A lawfirm aattempting to locate me to serve papers to go to court. I could not under stand this I am easy to locate or contact. I agreed to pay a payment that day to avoid court of over XXXX. They said if I did not pay that day I would be sued..I did not want that so I agreed to pay and make future payment to them. I bought a credit card you can l ; oad your money on to make these payments.I also asked them to send me copies of my account and info on their company. This never happened. 
After a few payments I felt my balance on my account was paid in full and when I never received this paper work I called the number from my caller ID anf found out they were a collection agency acting as a lawer with threats. They had impersonated a lawer while on the phone with me.
On about a monthly or more frequent basis I am receiving calls for someone else 's debt. Based on information revealed on the first call I am aware that the debt belongs to a ex-step daughter whose first name is similar ( XXXX vs. XXXX XXXX ) The caller revealed they were collecting on her past due XXXX XXXX card. I have explained this to the collector on the phone and asked for my number to be deleted from their database. I have confirmed my DOB, SSN and legal name, which is clearly not a match to their debtor. I have been promised my phone number, name and other confidential information would be deleted but no action has been taken. Then when I again explained they were calling the wrong person and asked to speak with a manager, they hung up the phone. I continue to receive calls and now the " offer '' is to reduce the rate on my credit cards. I have no credit cards but the person they are trying to collect upon does. I block the number they use from the auto dialing system and then another number comes in several weeks later. When I have returned a call, almost always a non-native XXXX speaker is on the phone. I can not get them to stop calling me. ( Please bear in mind I have no debt in collection. I have several unpaid tax liens in noncollectable status at this time. The calls I am receiving are regarding credit card debt of which I have no cards and no balances owed.
From  XX/XX/XXXX  through  XX/XX/XXXX , I made  28  payments of {$180.00} to Mohela. None of these payments were posted to my account. They were sent to  XXXX   XXXX   XXXX ,  XXXX  Missouri  XXXX . These were sent via my online billpay service through  XXXX .  <P/> According to Mohela - due to the fact that I had declared bankruptcy, my loan was put into " Bankruptcy '' status and stopped receiving payments. However, instead of returning the payments or notifying me that they were no longer being accepted, Mohela forwarded these payments to "   XXXX   XXXX   XXXX   XXXX   XXXX  , '' as they were the guarantor of the note. Mohela informed me that to recover these assets or have them applied back to my account, I would need to reach out to the guarantor.  <P/> I was advised to call  XXXX . This is a phone number for  XXXX .  XXXX  informed me that they had received no payments from Mohela and that they were not affiliated with   XXXX   XXXX   XXXX   XXXX   XXXX  , other then acting as a servicer. They advised that I should call the  XXXX   XXXX   XXXX   XXXX  at  XXXX .  <P/> This number is ALSO a phone number for  XXXX . When I called that number, the same person who had answered when I called the  XXXX  number answered again. They also advised me that they were not affiliated with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and that they had no record of receiving any funds from Mohela.
All my privite information was given to someone who just walked in and they provide my name. The person was given information on my loan. The person was not authrized nor did any letter from me that authorize them to be given this inforamtion. 
My rights as a consumer was viloated. 
Under XXXX. This title may be cited as the " Right to Financial Privacy Act of 1978 ''. 
5 ) " customer '' means any person or authorized representative of that person who utilized or is utilizing any service of a financial institution, or for whom a financial institution is acting or has acted as a fiduciary, in relation to an account mantained in the person 's name ;
I do not understand how I owe so much money to XXXX/Navient. Upon graduating i owed over XXXX due to the insane amount of interest. XXXX had never disclosed the amount of money that i would owe upon graduation and I too like many others am suffering from an insane amount of student loan debt. Luckily, i was able to consolidate some of my loan debt elsewhere but still owe an astronomical amount of money due to their Unfair practices. Please help me understand why I owe so much money and lead me to the right place to get rid of some of the debt I owe. I will never be able to pay off these loans even with the amount of money I make now. Why do I have to suffer when I did the right thing and went to school for more education and finished and got a job. XXXX/Navient and all others really take advantage of young borrowers.I attended XXXX as well as XXXX University.
XXXX XXXX  XXXX, where I hold two checking accounts, charges a {$15.00} fee for excessive transfers. When I opened my accounts, I transferred money BETWEEN these two accounts and learned of these fees the hard way. The bank explained, and refunded them, however the local banker and the phone bankers differed in the amount I was allowed to make ( one said 3, the other said 7 ). Ok so lesson learned, right? 
Apparently they also consider PURCHASES MADE VIA XXXX as the very same kind of " transfer ''! This was not only something unknown to me, but I didnt realize this until they charged me FOUR MORE TIMES - {$15.00} EACH - for what I discovered were my XXXX transactions as I had drastically reduced my transfers after the limit was explained. 
Again - I made TRANSFERS and was charged these fees, then they were refunded. 
I did not know a XXXX purchase/payment was considered the same. Nothing anywhere said that. 
This is the summary, however it has now been three months since Ive requested a refund ( and disconnected my XXXX account from them ) and they are giving me the runaround. This is unacceptable. The last contact was XX/XX/2018 when XXXX XXXX advised she needed special permission to refund the fees. 
Please remember, there was no " bargain '' here - I did not request, nor did I expect any separate service not promised to me by this bank. Their actions would be much more heinous if i were poor - but every bit as wrongful in my case. 
XXXX Note : They also charge {$3.00} a month for paper statements BY DEFAULT for new accounts - and dont give any clear instructions on how to prevent this - I had to go into the branch and be shown where to click a button to stop it - pilfering! )
File # XXXX The Following Inquiries have been placed on my report without my authorization ; written or verbal and I have requested removal. Transunion responds only to tell me what an inquiry is. My concerns have not been given the needed attention to be addressed. 

The following inquires should be removed : XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX- I did not request this. This item should be removed from my file per fcra. I was sent this card in error and immediately had this account closed as I did not authorize this. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - these were supposed to be coded as soft inquiries for account review and should therefor be removed per FCRA XXXX XXXX XX/XX/XXXX, XX/XX/XXXX - I did NOT authorize these two inquiries and requested removal per FCRA XXXX # XXXX - This item is reporting as current or paying and is misleading as if I still have this account. However, this account has been closed for at least 4 years and was absolutely never late. I requested this inaccuracy be deleted from my file
XX/XX/2017 {$26.00} Would like to know how i owe this bill?
My Ex-husband & I consolidated school loans prior to divorce in 2004. Since that time, I have tried numerous ways to take care of this account. Due to the fact, I was court ordered to be responsible for repayment of entire amount exceeding 25XXXX. They will rarely speak with me and I can not submit any documents with out my ex-husband of 14yrs signature. This is just NOT POSSIBLE. He is bitter and will not cooperate. He knows it goes on mine and his credit, but refuses to help me with this matter. I also qualify for student loan forgiveness, but since I am not the primary borrower I can not get this assistance. Therefore, I then try for re-payment plan. Well they want me to get my ex-husbands income ( which he is remarried ) to come up with a reasonable payment plan. Which I can not pay an amount based on mine, his, and his New Wife 's tax return. I do not want this effecting my credit, but I can not make the payment they are requesting from me.
I requested a hardship program because I was out of work due to medical issues and had falling behind by two payments. that went from XXXX per month to XXXX so XXXX stated that my payments would be lowered to XXXX per month for 12 months. to give me the opportunity to catch up. I was told as long as I make timely payments that I wouldn't be removed from the program. so I asked if they could do automatic payments they stated yes. so we set them up. I recieved paperwork in the mail in which I still have, and since the original call XXXX has been reporting to the credit bureau as me being delinquent. and I feel as thou this is unfair to not only me but to any consumer.
Winn Law group continues to pursue me on a debt that was charged off in XX/XX/2011.I have asked them to stop calling me & harassing me so now they have threatened to file a judgement against me and continue with collection efforts. I have let them know that California state law prohibits them from collection activity after 4 years.
I had an HSBC credit card that was opened in XXXX XXXX. The last date of activity on the account is XXXX XXXX, XXXX. 

My husband was contacted by XXXX XXXX XXXX XXXX, XXXX in XXXX of XXXX regarding this account. He was told we needed to take care of this debt immediately or a judgement would be filed and we would be served. We both reviewed the account and knew it was beyond the statute of limitations. They continued to call and harass my husband at his office of employment. XXXX XXXX XXXX XXXX, XXXX NEVER contacted me directly even when asked to do so. They also made statements to my husband such as " I can see on your credit report that you are well off and can handle this debt. '' They were told to no longer contact us. 

In securing a new mortgage, we discovered they had pulled my hard credit report in XXXX of XXXX regarding this account effectively damaging my credit rating. 

I contacted them and spoke at length with XXXX XXXX on XXXX XXXX, XXXX. They indicated a judgement would be filed and that I needed to pay a total of {$1900.00} on a credit card account, past the statute of limitations, that had a balance of {$600.00}. I kept explaining the debt was beyond the statute of limitations and they could take no legal action. They indicated the last date of activity as XXXX XXXX. I corrected them several times as the date of last activity is in my credit report. They threatened that the next course of action would be to file a judgement and have that information corrected. 

I ended the call after speaking with a supervisor.
I wrote a letter to the company requesting information I received a copy of judgement that I was NEVER served with a prejudgment interest rate of 22.95 % which is crazy plus I no longer lived in the state wondering if this is authentic.
I was one of the people sued by XXXX XXXX XXXX  for a student loan I got in XXXX & XXXX. They entered a default judgement against me in XXXX. The loan was taken out while I was domicile in XXXX. However, the falsified documents and sued me while I was living in the State of XXXX. They notified me, my account was one of the accounts impacted by the audit and court decision. However, they still haven't rescinded the two judgement that total more than {$74000.00}. This has impacted my credit and has prevented me from getting jobs as well. I need some help with getting them to rescind the judgements. My attempts to follow there procedures have yielded no results.
This debt is not mine and has previously been removed from my XXXX Credit report. This company " Commonwealth Financial Systems " continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report # XXXX, but XXXX stated it was verified by Commonwealth Financial Systems to be mine, but both companies Commonwealth Financial Systems and XXXX have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. Commonwealth Financial Systems need to be held accountable for their false reporting of collection accounts. I am requesting Commonwealth Financial Systems provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When Commonwealth Financial Systems fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with Equifax on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If Commonwealth Financial Systems denies this I can download proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and Commonwealth Financial Systems needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all three of my credit files where it is listed XXXX, XXXX and XXXX.
Called Equifax on XXXX, and advised that I 'm a victim of their security breach, and the inquiries on my credit report does not belong to me. Provided representative with the inquiries of : XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX Bank XXXX XXXX, XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX. The representative told me there is nothing that can be done and hung the phone up on me.
Chase charged interest on the average balance rather than the unpaid balance. {$17.00} interest on {$530.00}. They show an average balance of {$1100.00} and based the interest of 17 % on that amount. They are refusing it. They claim that this issue shows on the disclosures. They claim that I was short only {$1.00}, that this calculation would take place. 

I have been in XXXX  for 30 years and have never heard of this method.