WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a mortgage with XXXX XXXX XXXX  and due to illness & loss of employment income, I have gotten behind in mortgage payments and have applied for a Loan Modification. I submitted the package via fax on XX/XX/XXXX.  After some back & forth with phone calls, Capital One said they needed updated bank statements. These were then sent via fax within a couple days of the request on XX/XX/XXXX. I keep getting " Point of Contact '' calls & I remind them that I have submitted a full Loan Mod package and the documents they have requested. They then check their computer and agree that the docs were received and they would again send a message to the underwriter. The left hand does n't seem to know what the right hand is doing. <P/>I keep reminding them that there is still an active sale date listed by their Trustee and they keep saying, " oh, we know and we 're taking care of it ''. But when I check it still shows as active on XX/XX/XXXX which is definitely Dual Tracking. How can we be negotiating " in good faith '' if they still have an open sale date? <P/>I appreciate your attention to this matter. Sincerely, XXXX XXXX
on XX/XX/18 BANK OF AMERICA, stole {$150.00} out of my checking account without my knowledge nor authorization. It says for recovery fee for a forced closed account. BANK OF AMERICA is referring to an account in my name that I requested closed over a year now because of fraud on that account. I spoke with many BOA agents and advised them of this, BOA and all of its agents refused to close the account. Charges that were not mine continued to hit that account and eventually it was overdrawn, and BOA forced closed it. Again, I demanded that account closed numerous times, I've filed complaints against BOA to close that account and remove the unauthorized charges from my name and not BOA nor its agents did so. Now BOA has the audacity to steal my currency!
I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written VOD from both of the collection agencies/law offices and the original creditor. I requested VOD over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my CBR as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my CBR immediately.
I paid off my two credit cards with. XXXX XXXX card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to XXXX  equafax XXXX the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info
XXXX XXXX XXXX XXXX XXXX XXXX, has falsely and wrongfully reported me to a collection agency as purportedly owing a debt- which is not me, nor is it mine. Their agency, Benjamin Chaise & Associates has sent me a letter dated XX/XX/18, which has falsely made claims against me, reporting me with gross negligence as to purportedly owing a debt that is not mine. ( Amount stated on their letter : XXXX ). Ive never had any business dealings with XXXX XXXX XXXX XXXX XXXX XXXX, nor their affiliates, nor the agency, Benjamin Chaise and Associates, or any of their agents. This is not mine, not my company and I do not owe any money in portion or in full as claimed. There are no contracts whatsoever between myself and the purported creditor, and or Benjamin Chaise & Associates, verbal and or written. The letter sent to me was addressed to a business which is not me, nor my company and I have never heard of nor have any part of. They obviously are phishing and have sent out this demand for funds either with gross negligence or in an effort to defraud me. 

I've sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX, and Ive sent a letter to Benjamin Chaise & Associates- a demand for debt validation, dated XX/XX/18 There has been no response to the debt validation. I received from them a statement that the claim has been turned over to a lawyer in XXXX XXXX, NV.
We have a small line of credit with Regions Bank, around {$7000.00}, and received a letter with second and final notice to provide insurance information on our home after changing insurance companies. We mailed the requested information after the first letter was received. We 've asked now a second time for XXXX XXXX to send information directly to Regions. Because a potential {$2100.00} extra is to be billed to us on insurance from Regions, we are contacting CFPB asking if you could help us with communication. Also, when we took out the line of credit, it was not made clear to us that our home was being attached. We signed documents that we were told were based on our personal credit ratings as a personal loan. We remember this as we were told the rate we had to pay the bank was a little higher than the best rate based on our credit scores.
I was sent a refund of overpayment on my Walmart card that was mailed on XX/XX/XXXX. I lost that mail in my car and I found it on XX/XX/XXXX. I tried to cash it at Walmart, and was told it was not honored because it was over six months old. I have been trying to get a replacement check since XXXX XXXX, XXXX. Synchrony Bank has strung me along every month since then, telling me to wait for one reason or another. I called today and spoke to XXXX, who said they called me on XXXX XXXX, XXXX telling me that they would not honor the check because it was over two years old. That was not true. I have never received a call from them. She then stated that I could call back, thirty days from the call I never got on XXXX XXXX. Today I 'm asking for your help to resolve this matter. I called Walmart costumer service, and followed the prompts which leads you directly to a Synchrony bank rep. 

Thank you,.
A credit agency are making inquiries on my credit record every month since XXXX of 2015, The name of the company is Credco. This company was hired by a mortgage company by the name of XXXX XXXX. 'I need this to stop '', My credit record score has been going down every since I inquired about a mortgage loan by XXXX XXXX. I need all of Credo INQUIRIES off my credit record.
I am desperately seeking your assistance in clearing up a mistake that Nationstar made on my home loan account. I would appreciate you looking into my account to advise of further actions needed. 

I currently have an FHA loan on my home. To give you some background, I lost my job and fell behind on mortgage payments, for fear of losing my home to foreclosure I placed my home on the market and have a buyer to purchase at full asking price. With this I am able to avoid foreclosure or short sale and am able to pay Nationstar the full price I owe on my property. 

The problem is that Nationstar mistakenly recorded a partial claim deed of trust in error. This partial claim was recorded XX/XX/2016, but a a denial letter for modification ( associated with the lien ) was sent after that was recorded XX/XX/2016. My title company and myself have been dealing with this for 2 months now. Nationstar, attorneys for Nationstar, and HUD all acknowledge what the problem is and that Nationstar mistakenly recorded this on the title, but are not promptly acting on this to correct their mistake to clear this title. I actually have recorded telephone conversation from Nationstar stating that " it is their mistake '', they " do n't know how this happened '' and " someone make a big mistake here ''. I can send you these recorded conversations per your request. I 'm not asking for a handout or for any waiving of money that I actually owe, I 'm asking for something in writing stating that there is no lien, or account if any sorts attached to the title by Nationstar. 

I have been getting a runaround for months from Nationstar. Every employee I speak to ( or that the title company speaks to ) states it will take another day, week, etc to correct. I 'm begging for your prompt assistance. Nationstar has officially delayed closing for over a month and this is causing great financial distress. I do not wish to have to retain attorneys as many have suggested to force this issue to be corrected, I just want to resolve this quickly so I may move on in an attempt to rebuild my life. 

File Number-XXXX-Address-XXXX XXXX XXXX XXXX ( Email Ref=XXXX ) Respectfully, XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Alternative contact regarding this situation is : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
1. Date of last payment is being reported incorrectly on credit account for Synchrony Bank/JC Penney on the XXXX credit report ( report XXXX, date XXXX XXXX, XXXX ) and XXXX credit report. The date of last payment is reporting as XXXX XXXX ; however, last payment was on or around XX/XX/XXXX or XX/XX/XXXX. 

On XXXX XXXX, XXXX, I attempted to reach Synchrony Bank/JC Penney at ( XXXX ) XXXX XXXX, the number listed on the credit report, and spoke with XXXX, id XXXX, who advised that I needed to speak with a " specialist '' at XXXX XXXX XXXX. Upon calling that number, I was placed on a lengthy hold and then disconnected. 

I called a second time to speak with an agent/ '' specialist '', XXXX XXXX XXXX She said the company maintained absolutely no records regarding this account, that it had been sold to Encore XXXX, and that the account and records had been transferred to XXXX ; however, it is not XXXX that is reporting this item. XXXX admitted that, in fact, Synchrony was reporting this item despite having no records to support the reported item. 

I believe that is wrong and unfair. I asked for the item to be deleted, and was advised she had no option over the phone to process that request. While offered the opportunity to write a letter, I do not think it 's fair that I, the consumer, would have to go through all of that burden, when they are the ones reporting items incorrectly and with no documentation to support this. I would like the CFPB to review this problematic practice.
I have a account XXXX XXXX XXXX is showing on XXXX and Experian credit reports the account was investigated and deleted off XXXX  and I have disputed with XXXX and Experian via letters and fax in the guidlines of my rights in section 611 and 609 of FCRA to challenge their right to report the two bureaus to follow suit and delete account off of remaining credit reports to no avail.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX My account reference Number : XXXX This company runs the accounts for XXXX XXXX a health club that automatically deducts a membership fee every month. This is fine since I signed the contract, however, when calling to cancel and talking to a representative that took express detail to ensure she called up the correct account I now have to write a letter and wait at least 30 days after the letter is received to cancel my membership. This will ensure multiple payments are additionally charged to my credit card. This should have been handled immediately on the phone.
Portfolio Recovery of XXXX, VA reported old information & old XXXX XXXX account I already disputed and had removed previously. I need this removed from both XXXX  and XXXX again as I am in the process of repairing my and maintaining my credit score and this causes significant damage that they previously agreeed to remove. I have settled the old collection account and now have a new secured account with XXXX XXXX that is current and 100 % positive in order to increase my score.
Receivables Performance Management has submitted 4 request to have the account removed from my report and the account has not been removed. Ive also disputed this account on 3 separate occasions but Receivables Performance Management has verified the account has responded to the dispute as valid.
I submitted a payment to Southeast Toyota in XXXX 2013 and the company marked me as 30 days past due on my credit report, however, I had submitted bank statements at the time showing that i made the payment and it posted to my account, and the date, but they refuse to make the necessary changes to correct the error.
On XXXX XXXX, XXXX an application was submitted to purchase a vehicle and according to Reference No XXXX, the loan was denied but somehow, the dealership was " able '' to get the loan approved however, I had to tell the bank that I already had the vehicle when they called when in fact, I did n't pick it up until the day after they called. Also, upon receiving the paperwork, I discovered that {$3200.00} was added to the original price of the vehicle but no explanation was given as to the amount, since the selling dealership never went over the paperwork ( but they 'claim ' they did ). The selling dealership claims that it is a " fee charged by the bank for a high risk credit loan ''. I did n't find out the payment until I spoke with someone from the finance company. When I make a payment, it does n't show up in my account until the entire payment is received and there is absolutely no indication as to what the payments are being applied to as it just shows the payment received. I have made the XXXX & XXXX payments and nothing has gone toward the loan, so where is the payment actually going? There was no option for XXXX Insurance given at the time of purchase. 

Under the key factors that adversely affected my credit score : XXXX - ( 1 ) is from XXXX and ( 2 ) has been disputed with the collection agency but they have not removed it from the record, as nothing is owed. 
XXXX - the only revolving account I have is my credit card, which I am trying to pay down XXXX - the only loans that I have are my student loans, to which I graduated in XXXX XXXX and those are in income based repayment, with the current year 's payment being {$0.00} XXXX - There are n't that many accounts that are open on my account. Those listed from XXXX are being paid on a monthly basis, even though the payments are not being reported, just the balance being reduced. My credit card is paid on a monthly basis.
The Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I was sent a letter offering a settlement the for original debt was {$160.00} I was offered {$100.00} that was paid in full back in XX/XX/XXXX. The company still is reporting that I owe the difference which is {$58.00}. 

I have called several times and spoke with 2 agents both said that they it was settled and will fix the issue it never got fixed. The last young lady I spoke with this morning was very ruled and nasty. This debt has been settled, and I would like this balance removed and to appear on my credit reports as paid.
I am a victim of the Wells Fargo modification review. On XXXX/XXXX/15 I was told by Wells Fargo the modification was received and they needed updated pay stubs. I sent that and the tax returns on XXXX/XXXX/15. On XX/XX/XXXX I was told the file was declined and a sale date was placed on XXXX/XXXX/15. Now WF is saying they have never received a modification for review? How do you decline something you never received? ( House of lies ) I realizes I DO NOT QUAILY FOR HAMP. I have stated this 10 times to WF. I wanted to be reviewed for an INVESTOR MODIFICATION. WF never sent the modification paper work to the investor for review. Instead they have lied about the entire review process. I have just battled XXXX, and now have to file for bankruptcy. This could if been avoided if WF was honest and at least sent the file to the investor for review.
I had low funds. A charge came through that caused the account to go negative ( less than {$3.00} ). When I noticed I quickly added {$3.00}. They still charged me {$35.00}. Then an additional {$30.00}. They have this : {$5.00} Overdraft Pass comes automatically with all personal checking and money market accounts. ATM and debit card overdrafts of {$5.00} or less are included if you are enrolled in Debit Card Overdraft Coverage. 

This should have prevented the fees. 
They should refund me the over draft plus all fees. {$65.00}
Extr a 20 checking. EXTRA20 BILL PAY BONUS. EXTRA20  DIRECT DEPOSIT BONUS.       I was told by,  XXXX   XXXX ,  Santander Personal  Banking Representative this savings account was not a promotion and I would receive {$20.00} forever as long as I had the account. The  Santander fl yer also states the same.  XXXX / XXXX / XXXX  was the last {$20.00} that was made. When I called  Santander C ustomer Service at  XXXX  and spoke with  XXXX   XXXX  ; he informed me the promotion was over. I told him I had not received any information fro m Santander regar ding this and th e Extra   XXXX  checking was not a promotion.   On  XXXX / XXXX / XXXX  I spoke with local branch employee,  XXXX   XXXX , and he agreed it should be honored and many customer 's are upset they discontinued it without any notification to their customers.          XXXX   XXXX   XXXX  ID :  XXXX  Mail Code :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX  :  XXXX  Fax :  XXXX   XXXX  XXXX  XXXX   XXXX   XXXX  Personal Banking Representative NMLS ID :  XXXX  Mail Code :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX  :  XXXX  Fax :  XXXX
I applied and received {$50000.00} from the Hardest Hit Principal Reduction Program. The money was sent to my mortgage come in XXXX 2014. The applied {$48000.00} and took the difference and paid my XXXX payment and applied some to late fees. In late XXXX the funds were reversed and sat in a suspense account and no one was able to explain why it was reversed. It was then applied and reversed XXXX more times and each time money was taken away from the principal. To date only a little over {$44000.00} was applied toward the principal and I was told they took the remaining {$5000.00} or more dollars and paid my XXXX, XXXX and XXXX payment which I have been paying my monthly mortgage. In XXXX explanation they said they were given directives to do it this way then they said they never received any doucumentation as to what to do with the money and it is their perrogative to do what they want and I have no say so in the matter. It is the least to say that this has been fraustrating. So many agents have been dealing with this matter that it is now a total mess and what seemed to be a gift to help with my underwater mortgage has now been turned into a nightmare. I need hellp being directed to the right agency who can speak for me.
Navient Account # XXXX Starting in XX/XX/XXXX, I had set up an interest only payment plan for 6 months with Navient. Their program allows you to switch from full payment, to interest only payments for up to 6 months. 

I have always paid my Navient loans on time, and have never missed a payment. 

Since switching to the interest only payments, Navient has consistently messed up on the allocation of funds. Even though they are the ones that established the monthly amount of {$570.00}, every month once payment is applied they tell me I underpaid. 

That means that every month I 've been on this program, I 've had to call in after payment was made, and have them put me on hold for 30 minutes just so they can fix the account. Each time they tell me that the problem has been resolved and it wo n't happen again, but it does. 

Now they are sending me e-mails and letters saying that I 'm past due again ( for XX/XX/XXXX ). 

They also changed the amount I needed to pay during the interest only period due to their calculation error. 

The whole process has been horribly handled, but since it 's the largest provider in the US, they  do n't seem to care at all about my situation.
XXXX XXXX, 2017 Account Reference # : XXXX To whom It may concern, I request validation of thisdebt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to :  For the purpose of validation provide me with : The name and address of the original creditorThe original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Please also note Texas BCC17.
I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Three accounts opened online in XX/XX/2018 with {$1000.00} each for a total of {$3000.00}. BMO has frozen accounts and continues to charge {$7.00} in fees per month while I have no access to my funds. Multiple 30 minute phone calls with BMO customer service and no resolution. Advised to call 'XXXX  XXXX. ' in fraud department, called and left message with my call not returned. Received email asking for documents to proof identity, returned email with all requested documents in a timely manner. No response. 

Went into branch on XX/XX/18 to verify identity and resolve but the branch was also unable to unfreeze my account and refused to refund the fees that continued to accrue. Asked if I could just close my accounts and get back my {$3000.00} deposit but was told the {$14.00} in fees will not be returned. 

Unacceptable to freeze account, charge fees and refuse to unfreeze account even after identity verification completed in branch.
A {$27.00} debit card transaction to XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX EDT has caused a {$34.00} insufficient funds fee yet before making that purchase I had {$20.00} available in the account and I transferred over {$5.00} from another account via XXXX which caused me to be {$1.00} and a few cents overdrafted which is well under the {$5.00} limit according to Chase 's overdraft fee regulations
XXXX XXXX XXXX aproved us for a modification and them filed a fha insurance claim then transferred the account to bayview we attended a conciliation conference on XXXX XXXX and was told by a XXXX XXXX XXXX representative that she contact bayview and they accepted the approved modification after that court hearing we arrived home and recieved in the mail the same day a statement from bayview asking for {$10000.00} to bring our account current or they will forclose