WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to make arrangement to pay off the amount with company but was unable to so I asked on how to stop ACH so I can send payment in at a future time. I was told to send an email and it would stop. 
I sent an email to request to stop ACH on XX/XX/XXXX and on XX/XX/XXXX they with-drawled XXXX and I was also charged NSF XXXX. I spoke with XXXX and she said it was their error and I followed everything I needed to do. I then again emailed and called her 3 more times and each time I was getting the run around. On XX/XX/XXXX I was credited the NSF fee but not the original amount. I again sent an email asking me to send my bank statement which I did a week ago more runaround or delayed tactics. 

I could not pay my other bills which also cost me more NSF fees. Bottom line is that they took out money from my checking account illegally and admitted wrongdoing but has not fixed the problem.
The mortgage loaner Dovenmuehle hasn't reimburse me the 2017 Real Estate Property Taxes over payments for the amount of {$1200.00} as describe in the RESPA Page 21 title Shortages, Surpluses, and Deficiency Requirements 12 CFR 1024.17 ( f ) The servicer shall conduct an annual escrow account analysis to determine whether a surplus, shortage, or deficiency exists as defined under 12 CFR 1024.17 ( b ). If the escrow account analysis discloses a surplus, the servicer shall, within 30 days from the date of the analysis, refund the surplus to the borrower if the surplus is greater than or equal to {$50.00}. If the surplus is less than {$50.00}, the servicer may refund such amount to the borrower, or credit such amount against the next years escrow payments. These provisions apply as long as the borrowers mortgage payment is current at the time of the escrow account analysis.
XXXX XXXX XXXX reported that between XX/XX/2018 and XX/XX/2018 I did not pay my mortgage and increased my balance by {$2700.00} to {$310000.00}. I called their number XXXX on XX/XX/18 and was told my balance was {$310000.00}. I have not been late as its on autopay and yet they have incorrectly reported to XXXX that I was late. This has caused my credit history to take a hit and my score dropped 102 points. XXXX XXXX XXXX has incorrectly reported that I was late and they should be help accountable for it.
See attached letter dated XX/XX/XXXX to XXXX XXXX, Wells Fargo Bank, regarding a problem with a home equity loan that I had obtained in XX/XX/XXXX. 

Wells Fargo responded to me via letter on XX/XX/XXXX. Attached. 

I was not satisfied with Wells Fargo 's response because due to their error and confusing documents, I ended up paying an additional {$15000.00} to pay off my loan with interest. I contacted the person who responded to my letter and he was unable to resolve my concerns. 

XX/XX/XXXX, I received a phone call from XXXX XXXX of the Wells Fargo Home Equity Department. During our conversation, she admitted that the process was complex and confusing and that there were only a handful of equity experts like herself in the US. At that time, the maturity date of the loan was XX/XX/XXXX. If the entire balance was not paid off by this date, the fixed rate would expire and I would have to pay the prime rate. She also offered me a new rate to consider, which she said she " ... wasn't supposed to do. '' XX/XX/XXXX, I called Wells Fargo ; spoke to XXXX to ask for loan payoff balance. I also asked about the process to release lien from my home. She said I would have to pay a {$400.00} penalty and $ XXXX county fee for an early release because the account will not close until XX/XX/XXXX. She told me these terms are explained somewhere in my original loan agreement. I paid off the balance and subsequently discovered I over-paid by {$200.00}. 

XX/XX/XXXX, Wells Fargo finally debits my account with the {$200.00} over-payment.
Failure to report credit experience correctly as per request of the creditor : On XXXX XXXX, XXXX, XXXX XXXX XXXX obtained a loan from the XXXX located at XXXX XXXX, XXXX, XXXX XXXX. I, XXXX XXXX, was included improperly as a co-signer although I had not I agreed as such. 
The XXXX violated several laws and consumer related regulations, such as, to name a few, the Truth in Lending Act, the Fair Credit Reporting and Equal Credit Opportunity Act. For the former the violation consisted of failure to properly notify the " cosigner '' and obtaining a signature using unfair and deceptive practices. 
The aforementioned resulted in litigation. On XXXX XXXX, XXXX, the parties reached a Settlement for all claims and counter claims. See attached XXXX XXXX ( Settlement Agreement ). Under the agreement the XXXX agreed to report the original credit as : " Paid as agreed ''. See Article 6 highlighted in yellow. The XXXX also agreed to remove derogatory information as indicated in Article 7. 
We have been in contact with the XXXX and they have indicated that they have reported the credit information as established in the agreement. We informed the XXXX that the information in the credit report is the same that was there before the agreement was signed. The XXXX indicated that they made the changes and that the failure to report the changes is the responsibility of the credit bureau. To this effect on XXXX XXXX, XXXX, they provided us with a letter indicating that the credit has been reported to the credit bureau in accordance with Article 6a and XXXX of the Settlement Agreement. See copy of the letter attached. 
We are hereby requesting that the credit bureau take immediate steps to correct their record and report the credit as Paid as Agreed as indicated in the settlement agreement and remove all derogatory information as indicated in Article 7 of the attached settlement agreement. 
Your cooperation in resolving this matter expeditiously is appreciated.
Equifax was the victim of a data breach on XX/XX/XXXX. On XX/XX/XXXX, it was reported to the general public. Equifax reported that my information, including my Social Security number, birth date, prior addresses and drivers license number, was likely stolen on their website. They are obligated to protect my information from improper use and should not be divulging my information without consent. I feel that Equifax has used my report and personal information improperly.
Please note I am a victim of identity theft. I sent this company my dispute on XX/XX/XXXX attached with all relevant documents for their verification but to my surprise, nothing was deleted with respect to what I had disputed. All disputed items are still reporting on my credit report. I hereby notify of my intent to sue but would gladly avoid the legal battle if this company deletes/correct the following erroneous data : XXXX XXXX ref # XXXX I have never been late on this account, Delete the late payment history immediately XXXX XXXX XXXX Ref # XXXX I have never been late, the XX/XX/XXXX history Is very erroneous, please delete right away XXXX XXXX Ref # XXXX This is not my account, opened fraudulently Please delete thank you XXXX XXXX XXXX Ref # XXXX My payment history for this account was flawless For the year XX/XX/XXXX and XX/XX/XXXX. How can I be late?

Back to back on XX/XX/XXXX-XX/XX/XXXX, please delete XXXX XXXX XXXX ref # XXXX Paid satisfactorily for the year XX/XX/XXXX, XX/XX/XXXX late Payments inaccurate, please delete this history XXXX ref # XXXX I have had an outstanding record with these account The late payment on XX/XX/XXXX very incorrect, delete it XXXX XXXX XXXX Ref # XXXX I dont owe this people anything, please Delete right now from my credit report TAX LIEN Ref # XXXX this lien was withdrawn last month, there is no record of it in the courts, please delete
I became delinquent with my condo association dues and in order to catch up a settlement stipulation was proposed and accepted. Approximately 6 months later the attorney who I was sending payments to was fired by my home owners association. At this time the balance owed was approximately XXXX dollars. The new attorney fees brought the balance up to approximately XXXX dollars. I was approved for a short sale by the mortgage company but received an estoppel letter from the home owners assoc attorney, demanding XXXX. After the sale was stopped the attorney demanded the XXXX in full ( even though i was making payments on the settlement stipulation ) or threatened foreclosure. They did foreclose and the association bought my condo at auction for XXXX dollars. Now the mortgage company is auing the homeowners assoc and me. 
In spite of the fact that I had received a modification on my mortgage and was current I believe my homeowners assoc and thier attorneys strong armed me out of my condo. 
I am niw looking at probably having to file bankruptcy due to their actions. Any assistance you can provide will be greatly appreciated.
I asked repeatedly for them to not call me at work gave them my cell and they still kept calling putting my job in jeopardy
Dear CFPB, There was a late payment reported from the following account in XX/XX/2015.

XXXX XXXX Late payment : XX/XX/2015 This account has since been paid in full and closed. The reason for this late payment was because the XXXX XXXX payment site had malfunctioned and I was unable to make the payment before the due date. I contacted XXXX XXXX to explain this but was unable to resolve the situation. This is the only late payment that is on my credit report and I would like to do everything I can to get it removed. I would greatly appreciate any help you can give me to get this removed from my credit profile.

My email address is XXXX.

Thank you very much, XXXX XXXX
Back on XX/XX/XXXX I disputed a company called XXXX XXXX which was on my Transunion credit report twice for XXXX ( totaling XXXX ). My case number with Transunion is XXXX. Once I submitted the claim it stated that I needed to mail in the information, which I did a week later. A week after that the items were removed. The first week of XXXX I checked my credit report again, and one of the XXXX XXXX came back on my report for {$150.00} and it shows as a new account. I provided proof to Transunion that this item was paid directly to XXXX XXXX in the amount of XXXX back in XXXX  to all the credit bureaus. I attempted to resubmit another dispute which the online system would not allow and to contact Transunion because I am in the middle of the mortgage process and this is causing swings in my credit score. I have not received a response from Transunion. I also contacted XXXX XXXX via email but never received a response. This was done back in XXXX as well.
i keep on getting notice in mail, that i am getting garnishment, for a debit that is not mine. i keep on sending letters back to them
My sister and I attempted to close our aging father 's professional account at Wells Fargo. My sister worked closely with the local branch and followed their directives. But, even after 6 months the bank continued to reject the paperwork presented. Anticipating our father 's further decline, we hired an estate attorney to help us close the account. Even after appointing me as an officer of my dad 's company and presenting new documentation which followed the bank 's directive, the bank again refused to move the money to my mother and to close the account. The entire time the balance of the account was depleted through bank fees from around {$1800.00} to around {$1000.00}. In the end, Wells Fargo refunded the entire original balance of around {$1800.00} plus some a " consumer satisfaction credit '' and transferred the funds to my mother 's account.
I have filed a dispute with for us bank with the CFPB already case # XXXX the reason I am filing another is because US Bank chose to respond to the fact that it was outside their allowed timeframe to dispute. they sent me a response to that effect to the first dispute. That however is not the reason I am filing a complaint here my issue was that us bank allowed me to open up a brand new fraud case with a brand new case # over a year later instead of telling me immediately that it was beyond the time frame to dispute. The customer service rep in the fraud dep. that I spoke to was aware of the timeframe between the account going neg and when I called them about re-opening the case. I asked if that would be a problem and was told no problem at all that they 'd just open a brand new case for me. I was not told at that time that I was beyond the time to file a case or would have moved forward with other options regarding my account to get a new reliable mode of transportation which is what I was trying to clear the account for if you read the previous complaint listed. instead I feel I was misled when they opened up a new investigation for me. I went thru all the motions and paperwork they required, I put my life on hold waiting for their response which caused additional financial hardship to me and my family. that is why there were XXXX case numbers sent with the original dispute. while waiting for them to respond my vehicle broke down costing me several hundred dollars. I would not have had the extra expense if I would have been dealt with honestly in the beginning. when I was finally given my denial months later it was for the old claim number, they did n't even refer to the new claim they started for me. I even requested a letter about the new claim number and a denial for that but never received XXXX. I believe I made that request in XXXX by phone to them. my understanding of the instructions received was that all documentation was required in a certain amount of days of the investigation being opened and receiving the fraud packet. When they opened up a new case for me I assumed I had 30 days from when I received the new fraud packet for the new case number. Does n't the fax that they opened a new case negate the old one? Do n't they have a responsibility to comply with their own rules based on the new case date? My time was wasted I ended up fixing a car I should not of had anymore and got stuch in a high interest loan by getting rushed into picking a car. I did not qualify for anything but in house financing because they did n't get my bank account fixed. please reference documents from the complaint listed XXXX I will not re-attach them to this one. Please respond the actual issue this time. The fact that I was made to jump through hoops on a case that your company had no intention of approving but never adv of this just told " no problem ma'am we 'll just start you an new case '' that is XXXX and when asked if I was expected to pay something I clearly did n't owe rep told me " sorry ma'am '' also XXXX
1 ) SSN wrong on XXXX documents. When asked about this they said it would be " OK '' because they were preliminary docs and would be changed. However, they were n't until after I received a letter from the IRS requesting additional information. 
2 ) Appraisal submitted w/o review from underwriter with errors such as claiming the townhouse was an detached property. 
3 ) Loan application submitted after new guidelines were introduced even though they had all of my information since XXXX 2015 and had been under contract since XX/XX/XXXX4 ) XXXX loan docs submitted w/ errors ( i.e. closing costs, HOA fees ) 5 ) Never addressed any of my questions regarding the numbers..ever. Only skirted around questions but never addressed6 ) Attempted to increase the Appraisal costs at closing7 ) Diminished the errors by calling them minor ( on several occasions ) to me the client instead of acknowledging and apologize their mistakes.
XX/XX/XXXX - I am REPEATEDLY solicited weekly to turn in my XX/XX/XXXX leased XXXX, and guaranteed a full service package if I leave that lease early AND enter into a new lease of a XX/XX/XXXX XXXX with XXXX. I get into contract and leave the XX/XX/XXXX at the dealership. 

XX/XX/XXXX - XXXX were to payoff the previous lease. 

XX/XX/XXXX - Late Notice from Chase. I double pay both, concerned the new lease payment was not properly applied. 

XX/XX/XXXX - Another late payment notice. I contact Chase, they tell me XXXX Dealership has not paid the car off. 

XX/XX/XXXX - I get Delinquent notice from California Department Motor Vehicles, that the XX/XX/XXXX XXXX ( turned in XX/XX/XXXX ) is overdue. XXXX has still has not paid off the car, nor legally reported the auto registration as agreed in new contract, and my law. 

XX/XX/XXXX - XXXX ASSURES me they are : taking care of the payments, making sure my credit report is corrected, paying off the vehicle fixing the registration. 

9 MONTHS LATER XX/XX/XXXX - I check my credit and the vehicle still shows OPEN and unpaid. 

XX/XX/XXXX - I have several excruciating conversations with both Chase and XXXX. They promise to update the account as paid in full. 

XX/XX/XXXX - XX/XX/XXXX XXXX Credit Report shows the account reported 60 days overdue XX/XX/XXXX - XX/XX/XXXX XXXXCredit Report shows the account reported 30 days overdue XXXX and Chase are completely incompetent. I am looking to join a class action lawsuit.
US Bank recently cancelled the free night award bonus which was a benefit of their XXXX credit card. I had renewed my annual membership with them for this card solely for this benefit feature. US bank did not communicate clearly with me that the benefit had changed. Instead they added a small notification in my monthly statement to notify that this benefit was set to expire XXXX XXXX. I feel I was misled by US Bank as they advertised at the time I renew my membership unlimited free bonus award for any nights booked with points. My family does a large part of our banking with US bank and are now considering other options.
After filing a complaint XXXX requested I submit an affidavit and police report for fraud. I did so and they responded that I am still responsible for the loan even though I did not sign for it or receive any documents pertaining to the loan such as promissary note. They have acknowledge they did not have ab accurate email address for me nor a signature. They are now asking that I resubmit a new affidavit and police report.
Dear CFPB, for the past year I have corresponded with this agency called EOS CCA who continues to harrass me through the mail to settle a debt that I do not owe. I demanded they validate the account in collections, and provide proof of a contract expressed or implied entered in mutually with clear signatures between myself and the alleged original creditor XXXX. To date they have not met my demand.
I am unable to get accurate information from My student loan servicing company, Navient. I have made multiple phone calls and spent hours on the phone trying to uncover why my payment reamortized in  XXXX  of  XXXX . In addition, the amount of interest paid to this loan is not inline with my original schedule of payments. I have requested the original loan documents and supporting documentation to calculate the true P & I. I 've been told by customer service at Navient that this information is not available. I have also complained to a supervisor promising that the information would be sent. My phone calls began last year and carried to  XXXX  of  XXXX . At this point, I have given up o n Navient and need support from another agency. Navient  is completely unethical and unresponsive.
Please see attached correspondence. I am being held responsible for over {$12000.00} in charges made without my authorization. The fraudulent charges were made over two weeks in XX/XX/2017, a holiday period during which the risk of fraud is known to be high. The total charged fraudulently during this two week period was almost double the highest monthly charges to the account in two years and nearly four times the average monthly balance for 2017. As set forth in the attachments to this complaint, in type, volume, amount, pattern and type of merchant, the charges clearly and obviously were unusual and suspicious as compared to prior account activity. I learned of the identity theft only after my Wells Fargo VISA credit card was declined for a modest purchase at a grocery store and I promptly called Wells Fargo customer service. It was only on my initiative in calling and in checking my account on-line while speaking with customer service personnel that the fraud was identified. Contrary to every telephone conversation about the matter with representatives of Wells Fargo, during which I was assured that I would not be held responsible for the unauthorized charges, I now understand that Wells Fargo is holding me liable without supporting evidence and without advising me of any recourse or rights that I might have. The Wells Fargo correspondence states only that Wells Fargo found no fraud occurred [ s ] ince your card was in your possession. ( See correspondence attached. ) Insofar as Wells Fargo has acknowledged the fact that the card was in my possession, and insofar as the Federal Reserve Board guidance states that the cardholder is not liable when the card itself is not presented, I may not be held liable for the unauthorized charges. See 12 C.F.R. 226.12 ( b ), Federal Reserve Board Official Staff Interpretation. 
Without explanation, without notifying me of my right to appeal and without providing upon my request any justification for the conclusion, Wells Fargo determined that no fraud occurred or that the transactions were authorized. Wells Fargo thus inappropriately is holding me liable for the unauthorized charges.
I got conflicting information on an accepted loan mod from XXXX XXXX XXXX and do n't know what to do
TSI ( Transworld Systems Inc ) has repeatedly contacted my business number for months looking for someone else. They have the wrong number. We've repeatedly informed them via voice they have the wrong number. We sent them an official cease-and-desist letter on XX/XX/2017. They still continue to call us.
I have twice filed complaints with TransUnion regarding my credit report [ This after attempting to get a resolution with the " creditor '' in dispute, XXXX XXXX XXXX ], and I can not seem to get them to understand that the credit line is not mine. My ex-wife and I divorced in 2013. She took the XXXX ; I took the XXXX. Our Divorce Decree/Property Settlement states that she took responsibility for the XXXX and that I took responsibility for the XXXX. This is a court ordered settlement. TransUnion first said that the account was indeed in my name at the outset of the loan. That fact was never in dispute. I twice sent them a copy of the property settlement -- a legal document -- and they still will not correct it. The last person to whom I spoke said that TransUnion does not accept a court order as proof that the vehicle was not mine. So I now have a Trans Union employee informing me that TransUnion is not subject to the laws of a state in which it operates. Please do inform TransUnion that it is indeed subject to state laws, and that the property settlement which I twice supplied them DOES indeed mean that the loan in question was not mine and that they ARE required by law to remove it from my credit report. 
Thank you
I 'm making a complaint about the company PennyMac. I did one modification and when l sold my property, I found out that they put out a second loan to XXXX XXXX XXXX without my authorization.