WillisBack/dataset-financial-user-claim huggingface dataset:
I got into a contract for a house in XXXX, realtor name XXXX XXXX on XXXX/XXXX/15. 
XXXX strongly recommended his loan agent XXXX from Citi Bank ( XXXX ID : XXXX ). 
I talked to XXXX for couple of minutes and we set a time to go through numbers and rates and see if he can do the loan ( while I was in the deciding period as to whom I will use as a lender ) on Saturday XXXX XXXX at XXXX. ( See Screen Shot # XXXX below ) XXXX missed that appointment, then we made another appointment the next day on Sunday XXXX XXXX which he missed again. ( See Screen Shot # XXXX below ). In other words we never got to talk until appraisal. 
Surprisingly, the realtor sends me an email same Sunday morning at XXXX ( See Screen Shot # XXXX below ) that the appraisal is at XXXX the same day. At that point I had not even talked to XXXX and not even selected him as my lender, he has not even gotten my permission to proceed, he has not even disclosed if and what it will cost for appraisal. It was a surprise for me and the realtor was in on it. I did not check his email until XXXX Sunday morning and at that time appraisal was already done. ( See Screen Shot # XXXX below ) As a result of this action, he locked me to work with him only as I did not want to jeopardize my house purchase but unfortunately, he was not able to perform and I had to cancel the contract.
To whom it may concern ; I have a voluntary repo on my credit report. I have hired XXXX XXXX XXXX to fix my credit and try to get this off my credit report, but I have n't been able to do so..The company that keeps reporting is Santander Consumer USA. I feel as if the information they are reporting is incorrect and this is hurting my credit very badly! And my ability to finance anything. From my understanding the account started in XXXX but that is n't true. I bought this XXXX XXXX XXXX sometime in XXXX just before my son was born which was in XX/XX/XXXX. They keep reporting this on my credit and I know the statue of limitations has been passed a long time ago. I would like someone to do an investigation into this and all information about this account to be shown to me or the company I have hired to fix my credit, so that it can be verified by me.
Navient ignores my complaints about XXXX XXXX XXXX  practices and deceptive XXXX program ; request to stop calling all day from their automated voice calling systems ( even calls on Sunday and after hours ), and pressured from loan acquisition I received in beginning. I felt they misleading me by providing me with bad information, processing payments deferments incorrectly and using deception to direct borrowers away from plans offering lower monthly payments. They failed to do anything about my complaints involving incorrect processing of deferment and forbearance forms ; bad reporting to my credit records leading to me having incorrectly and/or damaged my credit of XXXX borrowers whose loans had been discharged under a government program by incorrectly reporting that their loans were in default. Navient encouraged me to take forbearance when I could have qualified for income-driven repayment plans. Causing me to exhausgh my use of forbearances.
XXXX XXXX XXXX XXXX billed me for an unreasonable amount at the end of my car lease. I wrote several letters to dispute the charges. They never answered, but instead turned me over to their collection agency. I wrote to the agency, included all the letters I had sent to XXXX, but they reported to the credit bureaus that this was a write off, damaging my credit score. Score was XXXX, is now XXXX.
Fifth-Third bank had sent me a letter ( attached ) demanding that l sent to them the sum of {$1800.00} to update my loan file and bring it current by XX/XX/2017. l complied with the request, sending in {$1900.00} not minding that the company has no basis for their demand because l have series of payments in the amounts of {$430.00} ( usual mortgage payment for {$420.00} PI and additional {$9.00} for principal reduction ) and {$500.00} ( escrow ) sitting unapplied on my accounts. WhatThis check was returned to me with letter ( attached ) saying that it was not enough to off my loan. had happened was l was late on my taxes and the bank paid it but when l started getting more than double the amount of my mortgage because of this escrow gauge, l had called and spoke to one of the reps who told me if l wanted to pay off the escrow, all l needed was to bring in about {$3400.00} once. Also when l got this letter l had called the number given to me on the letter over and over and could not get connected. l made frantic efforts to reach the customer service number XXXX, up to 4-5 times, none of the people l talked to could help me either. Sometimes, the machine will attempt to connect me to the right department but it did always end up cutting off ( dropping ). Frustrated, l took my case to the branch where XXXX ( XXXX ) told me the escrow balance was {$2400.00} and I gave him the check right there to pay it and advice the right department to apply it to liquidate my escrow. This is in addition
I 'm complaining against this company for many reasons : # 1 I can clearly see that there has been no investigation into any of the accounts that I disputed which is a violation of section 1681 - Congress states that once I notify the CRA 's that there are inaccuracies, they are required to investigate and provide results within 30 days. I continue to receive this same statement even though I clearly list my disputes and label what I is not accurate # 3 There are accounts that have had no updates since 2015 which clearly shows that there have been no investigations whatsoever # 4 I 've requested the documents that they are using to verify these accounts as allowed under section 609 - Consumer disclosures - all documents contained in my files - Congress states that the bureaus are required to have these documents prior to reporting the accounts to ascertain that this information is valid, accurate and complete which means that there should be NO problem sending this information to me. Congress also states that the only legal form of verification is firsthand knowledge - that means that they must either be the actual creditor themselves or have the physical documentation - I require this information immediately to pass on to my attorney
I was on a XXXX flight when the flight attendants offered an incentive program to sign up for a XXXX Master Card to receive XXXX FREE ROUNDTRIP TICKETS by redeeming XXXX FREE points upon acceptance. 

When I tried to redeem my " FREE '' tickets, I found that it was more expensive to get them with free points than buying directly at retail price ( difference was {$35.00} more after added {$100.00} redemption fee and other extras that cost more than when buying a full price ticket ). 

When I called to complain they told me free tx had to be redeemed 6 months in advance and I should call Bank of America because they were not responsible Bank of America directed me to XXXX and said they were not responsible
XXXX county recorder shows a lien file XXXX with a balance. an individual chapter XXXX bankruptcy discharged debt in XXXX. I have disputed item multiple times and lien is not removed and balance remains. I had filed a chapter XXXX in XXXX that was dismissed and maybe a duplicate file or the original debt was joint and my individual chapter XXXX makes me not responsible for this debt.
Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX  ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
I am new to XXXX and staying in phoenix. I reached XXXX on XXXX XXXX 2015 and I immediately opened an account with XXXX XXXX XXXX as well as applied for a credit card through them which I got after approximately 30 days. 2 weeks back I had applied for a car loan XXXX and approved my loan immediately but later on I was told there is some problem as the address which I have provided on my application does not match with that that on my credit report. I thought some problem will be there and they will come back to me which they did not. After which I applied for an auto loan with XXXX XXXX XXXX and got an approval from them immediately with APR of around 2.5 % and they also send a credit score of XXXX which for me was very high as I did not have any credit card or loan or any credit history but any ways I before going to dealer I just thought of checking the same with them once more and I got to know that there is a problem as again the address which I had provided does not match with XXXX my credit history. I went to XXXX XXXX XXXX and told them the problem. The banking associate XXXX called the loan department in front of me but they said they cant talk to him and insisted on talking to me and again they told me the same problem. They told me it is address of a place know as Surprise which near to phoenix. I never stayed in Surprise. I just did a random search on XXXX and found there is a person with the same name as mine staying there and I am sure his credit information is appearing on my credit history inspite of the fact that my SSN is being used for pulling out credit history. The dealer which I had visited also told me that it looks like there is a same person as you are in Surprise location. I am not attaching any documents as I am not able to pull my credit report as they say my SSN does not match with the address I have provided whereas XXXX XXXX XXXX, XXXX and my dealer could pull the credit history and could see there is a big mismatch.
XXXX Bank of america accounts over 10 years old. 
Ending in XXXX settled years agoEnding in XXXX settled years agoEnding in XXXX settled years agoI was told upon settlement years ago Bank of America would not report any Derogatory information to the Credit Bureau and they still are beyond statue of limitations.
I turned in my vehicle on XX/XX/XXXX. I had Billpay set up for auto payments and accidently paid an additional {$500.00}. I contacted GM Financial by phone and email on XXXX/XXXX/XXXX, XX/XX/XXXX &XX/XX/XXXX. I provided a copy of my bank statement showing the overpayment. Since then customer service has given me a different story including that I had to wait for car to be auctioned, checked for overmileage ( turned in XXXX short of miles I paid for ), and then I would have to wait 90 days. The possible damage ( which there was n't any ) has nothing to do with the fact that I fulfilled my lease contract and overpaid {$500.00}. I am getting a different story each time I call customer service.
The Pharmacy Counter, XXXX XXXX XXXX XXXX, XXXX, OH,XXXX, loaned a XXXX to me for my child. I returned the device with a co-payment remaining from myincurance company of {$19.00}, on XXXX/XXXX/2015. I was asked by The Phramcy Counter to pay that co-payment before leaving, so ( with child in hand ) I did. I made a payment with my bank debit card on site. 
A few weeks later I receveied a bill in the mail from The Pharmacy counter for the same amount ( {$19.00} ), which I had already paid. Thinking that it must have been an oversight on the Pharmacy Counter 's part, I shreded the bill and thought nothing of it. 
About a month or so later, I received a letter in the mai lfrom Credit Adustments Inc, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX, attempting to collect {$19.00} for The Phramacy Counter, which I paid on XXXX/XXXX/2015.
***THIS IS NOT A DUPLIATE NOR HAS IT BEEN REVIEWED BEFORE*** This is in regards to my checking account I established when I first relocated to XXXX, Alabama. I have advised by the Alabama Court system was never an established legal bond under the law because the individual who took over my accounts never made bond for this such status. What documentation was used to closeout recreate another account adding a Conservator on my accounts giving this bank established XXXX complete control and access to all my funds if the court system advised me she never made legal court bond for this authority all? 

This person had a Bank Representative CLOSED my original account I had established during my relocation in 2004 and reopened another checking and saving account at another location within XXXX XXXX. This new account was created by a fraudulent individual acting as XXXX who never made bond with the court system giving her clear legal authority to deal with third parties. Without her gaining a legal XXXX, it does not provide a legal process to have a judge approve major monetary decision on my behalf. Without the court system approving this individual status of XXXX, how and what gave both the individual and the Banking Representative the legal right to take over control of my funds. All funds were transferred from my original account I established into account number ( see attached ) with this bank established XXXX 's address appearing on the checks as well. 
It seems as if this can be a form of Identity Theft in the making. If people were to go into a banking institution without proper legal rights/documentation and take over member 's accounts the world would have a field day! Is this type of transaction a legal approved action a banks can establish through a banking institution and is it legit? I am irate that this type of activity continues to go XXXX in the State of Alabama over and over again and swept under the carpet. People will not assist or challenge this type of activity. But, I will. I would like to know what documentation was received for this individual to establish a XXXX over my accounts if the courthouse states she never established or made legal court bond for this status. 

I am looking for assistance from the CFPB to aid with handling this issue? I have already attempted to have an Attorney assist ( costly and told the bank 's will not cooperate or assist appropriately ) and the Police Department has stated this is not legal and within Statue of Limitations. Any assistance you can provide to me would be greatly appreciated. 

***THIS IS NOT A DUPLICATE NOR HAS IT BEEN REVIEWED BEFORE***
I am a identify theft victim, & my information was Exposed in a data breach with my current employer in XXXX XXXX. XXXX, XXXX & Equifax. I sent & faxed Bankruptcy removal letters & credit inquire letters to along with the police report to support this. & they still refusing to remove these things off my credit reports.
American Credit Acceptance is erroneously reporting payments after this account charged off XX/XX/XXXX. They continuously add payment history that shows payment, then they go back to reporting new 30, 60, 90 day lates to cause detriment to my fico score. They reported a paid status for XX/XX/XXXX thru XX/XX/XXXX and then 30, 60, 90 day late and Charged Off again for XX/XX/XXXX. They also continue to increase the balance owed but I have not recieved any statements. I was made aware of these errors using online versions of my credit reports but I have ordered paper copies so that I can provide them if needed.
The creditor is Mercantile Adjustment Bureau , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX collecting for XXXX XXXX XXXX They are reporting negatively on my credit report and I have sent them several validation of debt request letters requesting them to furnish signed documentation as a validation of the debt and they have not done so.
Global Receivables Soluion, Inc./ West Asset Management , Inc . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Global Receivables Soluion, Inc./ West Asset Management , Inc. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Global Receivables Soluion, Inc./ West Asset Management , Inc. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
MONTEREY COLLECTIONS - This Company has been informed via the major credit reporting agencies that this is a debt not owed as it is absorbed in a chaper XXXX bankruptcy of 2015. The debt was obtained prior to the XX/XX/2015 bankruptcy which automatically includes it in the bankruptcy. 

It has also not been verified through the dispute processes of the cra 's.
I get calls basically everyday from Comenity bank trying to collect a debt. Sometimes I get up to 6 calls a day. I block the numbers they call from, but they keep switching up the phone numbers they call from. Also, I have kept record of these calls on my phone log. Also, I have more screenshots that I can provide.
I keep receiving credit card offers from  Capital One,  with outrageous interest rates, and terms. On no less than  3 ( three )  occasions I have requested that Capital  One  remove me from their marketing list because I did not want anything to do with such a despicable firm that chooses to engage in what I would describe as predatory lending tactics. The offers are  INSULTING a nd are obvious attempts to entice their targets into indentured servitude, unending. More than  3 ( three ) times  I have requested that I be removed from their solicitation program, with CAPITAL  ONE 's  personnel, at each and every encounter promising to do such, and yet, I am still to this date,  one arri ved today, getting CAPITAL ONE 's mailings. This has to stop. The " teasers '' are just that, with the rates being " beyond '' reason and justification.
I have a mortgage throug h QuickenLoans. I got in  touch wit h   XXXX    mortga ge representatives including representatives which were assigned to the case in the client relations department. They all claimed that there is nothing wrong with their system and that the calculations are accurate and proceed to direct me to the transaction history page on their portal.   My complaint is not about payments not posting, it is about the lender charging interest on early payment of the loan.   The lender allows payments in advance, I have sent all the payments in which would have been due the first of each month until  XXXX   XXXX , the next payment due date is  XXXX   XXXX . This is for the purpose of having some form of cash backup by not having any mortgage dues for the nex t 5 to  6 months. Now that I am 4 months ahead of payments, I began sending payments of {$2400.00} directly to the principal. Although the amount paid to the principal did reduce the principal balance and future payments, those due  XXXX   XXXX  and thereafter, will have less money going towards interest and more towards the principal, as expected, the payments however, which I made in advance prior to principal only payments were NOT affected by this extra payment towards the principal nor were they affected by the fact that the payment was sent months in advance rather than on the due date even though the lender received the money for all of these payments on  XXXX  and  XXXX .   The lender is effectively charging me interest on amounts which have already been paid towards the principal on all payments made months in advance since their system does not recalculate payments made prior to a large principal payment once a payment transaction posts even if it is several months before the payment due date. Their system treats the payments sent months in advance as if the payment was applied on the due date. The contract does not state any fees or penalties for early repayment, the contract allows early repayment, moreover, their website has a tool to calculate how much money can be saved by sending larger payments. However, that tool, similar to their payment system, only takes into account future payments and not payments submitted months prior to their due date or payments applied to the principal after having 6 months paid in advance. On their tool, if I hypothetically send {$100000.00} today it would have the same effect as if I send i t on   XXXX   XXXX   sinc e that is how far I have paid the mortgage in advance.   Please refer to the attached documents. On the second spreadsheet on the  excel file, I per form recalculations on how the mortgage amounts should have been calculated after making additional payments to the principal. The first sheet is data directly as it is given on the QuickenLoans portal and downloaded as a  XXXX .
On XX/XX/XXXX, I made an international wire transfer from my bank account with citi bank to XXXX. two days later I was informed that the funds was returned by the bank and that I will need to do buy back and then the funds will be returned to my account in three business days. Its been a month and two weeks since then I have not received my funds. I have called Citi bank and even went into my branch and repeatedly having to explain my self to every new person I talk! they give conflecting information. at one piont I was told my fund will be returned the following day after speaking to a bank manager, but that again was two weeks ago. I dont know what is going on or what they are doing with my funds.