WillisBack/dataset-financial-user-claim huggingface dataset:
We received an email on the morning of XXXX XXXX, 2017, stating a {$300.00} check was cashed from our account at US Bank. We then received an email stating we were overdraft in our account by almost {$100.00}. We saw the copy of the check, and it was not our names on the check, nor was it even our checking account. We called US Bank and they stated they would start an investigation and it would likely take 2-3 business days. That was unacceptable, as we had bills coming out that day. US Bank stated they could not help us further. We contacted the recipient of the check, a small business, and told him the issue. He said he would check with both his client and US Bank. In the meantime, we went to the main US Bank branch in XXXX. We were able to speak to a banker and they verified the peoples ' names on the check were US Bank customers, and money had come out of the wrong account. He blamed the problem on a " computer error '' of reading the wrong account numbers. He credited us {$300.00} while awaiting the return of our funds from the other bank member, but we still have fees that need to be waived. Had we not received an email, we would not known about the problem until much later and our bills would have bounced.
I lost XXXX of 22 years due to the changes in the economy and stop making payments to my Mortgage loan after few moths I was in foreclosure and I hire an Attorney to help me with the foreclosure almost a year later I was inform By the Bank XXXX that if I paid my XXXX mortgage at a reduce amount they will grant a loan Modification. after the payment was made They offer a 6 months trial payment and I proceeded and pay the second mortgage and pay the 6 months Trial period. after the trial period was finished the bank never contact me and I blame the attorney for not working diligent and hire a new Attorney one year pass and I received a Letter from XXXX telling me that will not longer servicing my loan and they will transfer it to Green Tree after the transfer it took Green Tree almost a year to grant the loan modification where my loan was modify at a higherinterest and increase my Principal in {$140.00} to bring the account current. 
I was surprise because the loan was to much for my income but I did not want to loose my home. 
After the loan modification was in place for the amount of {$4100.00} the bank change the payments 3 moths later to {$4200.00} and then to {$4300.00} and in XX/XX/XXXX the payment was increase to {$5400.00} Once more time I contact the bank to understand why the increase was for and they said that the taxes for XX/XX/XXXX and XX/XX/XXXX where not paid that accounts for {$10000.00} and {$11000.00} totaling {$21000.00} but the banks send a bill for 44 payments of $ XXXXWhen I ask the bank to explain all this charges they can get a clear answer and also said that the overcharges will be apply to the principal.
On XX/XX/XXXX I received a letter from Attorney 's XXXX. The letter stated that they where sending the letter in compliance with the Fair Debt Collection Practices Act and that I had 30 days to dispute the debt. This is the first communication I have received from this attorney. I did dispute the debt in writing and I sent the dispute to them via Certified Mail. According to the post office and the signature card the dispute was received by XXXX. On XX/XX/XXXX. This is well with in the 30 day time frame. According to the Colorado Attorney General Website " You may dispute the debt ( or any part of it ) within 30 days after receiving the first notice. Your dispute must be in writing. The collection agency must then stop collection efforts until it mails you proof of the debt ( a bill or court judgment ) and the name of the original creditor if requested ( if different from the creditor listed on the collection notice ). '' On XX/XX/XXXX I logged on to the XXXX XXXX Public Trustee 's Website and I notice that they have already submitted the info to the Trustee for foreclosure. They have not responded to my dispute yet and obviously have not stopped the collection efforts. I contacted the XXXX XXXX Public Trustee and they said the foreclosure packet was received on XX/XX/XXXX. In addition they have already scheduled a sale date for XX/XX/XXXX. Before filing this complaint I called XXXX, they said that they are in the process of responding but they can still file paperwork with the Trustee. I have clearly been taken of advantage of and lied to by the banks and lawyers and they should at least be made to follow the laws. It appears to me that between Nationstar and their attorney they have already violated the Colorado Fair debt collection practices act 3 times in trying to collect this debt. 
1. by not halting the foreclosure efforts when the debt was disputed2. by not maintaining accurate accounting records3. by not listing work out options on the initial collection letter from the attorneyPlease help me to stop another wrongful foreclosure case. If you need more information about the previous filed complaints please do not hesitate to contact me.
Chase mortgage co just canceled my approved mortgage modification for my FHA loan after I made two of the " trial '' payments on time and sent the signed acceptance forms back, overnight with signature delivery as my mortgage specialist told me to do. The envelope was postmarked by XXXX XXXX, 2016 and I provided Chase with the tracking number as I was told. 

I was informed that more documents were sent to me that need to be signed and returned ( after I just got an envelope with the modification approval and terms-including a letter describing that to accept this the terms were to make the tree trial payments on time ) and there were payment coupons included. To avoid any further delay as I asked if these forms could be made available online as I was traveling at the time the acceptance forms were sent and was told no, so I had to get another family member to stay with our XXXX Uncle and went back home earlier than planned to get documents that Chase sent to my home. Now-I see that the Chase website has the whole process available online including all the forms. 
So now, I find out after all this that as of XXXX XXXX, 2016 that the process has been " closed ''! I sent another secure email to try to resolve this and have n't heard back. 

Chase has given me nothing but the run around about this for months and I 've jumped through all their " hoops '' and had one more pmt to make XX/XX/XXXX to make the modification final. And, now they pull this. I have read that there are over XXXX complaints on the Consumer Affairs website about Chase doing this type of thing to its customers and now unfortunately, I will also be one ... 
Please help me, I am now in danger of losing my home! I got behind due to health issues in the family. My husband became XXXX and can not work and then I 've been traveling out of town to help family members care for a XXXX relative and Chase repays my loyalty as a longtime customer ( formerly in good standing as far as payments until about 6 months ago )!
ATG Credit LLC  is attempting to collect a debt from me that I never established a contract with this company at all. Purchasing a debt and obtaining documentation or bills is not legal contract that binds to owe you any money at all. Furthermore  ATG credit LLC is in complete violations of FCRA by placing negative tradeline on to my credit reports which is complete slander to my name
XXXX mortgage with Capital One bank. Interest payment jumped from $ XXXX/month to $ XXXX/month. No one can explain why. Then they decided they wanted the loan repaid immediately. They could not maintain employees as every time I called the previous person was no longer with the company. We would have to restart from scratch with a new banker. I have turned in their requested paperwork to at least XXXX employees via fax. The most recent phone conversation said the loan application was closed because I did not send in the requested paperwork which is false. Also during the most recent phone conversation the lady said she spoke with my on XXXX XXXX which she did not. I had to keep calling to get someone 's attention.
I was a victim of   XXXX   XXXX   inquiry issue '' . i called them XXXX / XXXX /2017 to   make them aware and to see the steps that I need to follow. customer service would not help and take care of the negative inquiries reporting to my credit report.
 XXXX  had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries back to the consumer credit reports.   XXXX   failed to follow the legal procedure to actually do so. They removed all of my inquiries and placed them back and I want all of them removed because they didnt follow procedure.
In XXXX I called Central Financial Control about a medical bill that had been turned over, I told them I could pay $ XXXX monthly, which I have been paying faithfully since XXXX XXXX, yesterday XXXX/XXXX/XXXX, I saw that this account has been placed in collections and it is showing on my credit report, furthermore it is showing on there under XXXX different collections name. I did not get any notice after my call in XXXX and they have been receiving the payments. I feel like this is unfair, I should have gotten some sort of notice before it was added on my credit report,
the bureaus refused to investigate the fraud that XXXX XXXX is doing to its consumers which are unlawful, they added interest fees and charges, they said the interest rate will be one thing and add what they want i got a {$25.00} dollar interest charge with a {$0.00} balance, which is fraud, this account is reporting negative on my credit profile but i shouldnt be i paid them they didnt even add the payment to my accounts and closed my card .i am challenging the information they are reporting such as open dates, balanced owed closed date, payment history .These bureaus are supposed to by law report true on my credit profile but several not true things are reporting on this account and they refused to investigate XXXX XXXX AFTER I DISPUTED THE ACCOUNT TWICE, I RECEIVED NOTHING BUT VERIFY I SENT A METHOD OF VERIFICATION AND WAS IGNORED BY ALL 3 BUREAUS .THIS ACCOUNT INFORMATION IS INACCURATE, I SIGNED UP FOR THE PROTECTION PLAN WHICH STATED WHEN I LOST MY JOB IT WOULD COVER MY PAYMENTS WELL IT DIDN'T THEY SAID THEY CANCELED THE PLAN AND I WASN'T NOTIFY. THAN THEY JUST JACKED UP THE INTEREST RATE, THEY HAD CHARGES I DIDNT AUTHORIZE ON CARD AND WHEN I CALLED THEM THEY SAID OH WELL,
We have contacted you in the past regarding Ocwen Loan Servicing. They continually add an escrow onto our account which we have never wanted nor authorized. After the CFPB contacted them, they promised the problem was fixed and we would n't have this problem again. Well, this month they have added an {$840.00} escrow onto our account. We pay our own insurance and taxes. They are trying to tell me that it can not be taken off and that we have to pay the XXXX and submit a request for a refund. I told them I will not pay a dime that I do n't owe them. Please help me with this situation. I feel like Ocwen is trying to purposefully cause me to fault my loan and cause me to lose my home for their financial gain. My name is XXXX XXXX XXXX, Account # XXXX, address XXXX XXXX XXXX XXXX. XXXX, SC XXXX last XXXX of ss # is XXXX. Thanks, XXXX XXXX
There is wrong information from XXXX XXXX. I talked to that company, they fixed it, and sent me a letter and a draft ( that 's the clear for the bureau of credits ) and I explained that to Transunion and sent them copies of all of this on XXXX XXXX, XXXX, by certified mail, and 3 years later they have done nothing, negatively affecting my credit report. I resent it on XXXX XXXX, XXXX by certified and signature required mail SIGNED by XXXX XXXX in Transunion Pennsylvania. 
This is adversely affecting my credit report costing me MONEY and TIME and there is no way to make them understand that because when I call them I have someone answer overseas and they always transfer me to somebody else or give me a different number to call but my time does not have any value for them. Thanks guys for helping me with this situation and thank XXXX that we have somebody who can make these companies STOP THE ABUSE.
I have a credit card account with Bank of America that has been without a balance for more than 3 or 4 years - I do not even have an actual card having destroyed it several years ago. I keep this account active by paying an annual {$18.00} annual fee whenever I receive - by mail - the bill for this fee from Bank of America. 
In XX/XX/XXXX, I received an email from my credit monitoring company informing me that my credit score had changed. Upon checking this information on the credit monitoring web site I noted that my credit score had dropped from " Very Good '' ( XXXX XXXX to " Good '' XXXX XXXX XXXX. This change occurred " as of '' XX/XX/XXXX and was initiated because " ... BANK OF AMERICA has flagged your account as 30 Days Past Due. '' Here is a summary of the alert statusAlert Date XX/XX/XXXX XXXX Bank of AmericaPayment Status Not more than XXXX payments past due ( XXXX ) Status Date XX/XX/XXXX $ XXXX Date XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX immediately initiated payment of this fee ( plus a {$3.00} interest charge ) using my online banking service. I also contacted Bank of America by telephone in an attempt to have this corrected. I informed the operator that I did not receive in the mail any notice regarding this charge in the mail, that I had initiated payment and that I needed to talk with someone regarding the correction of my credit score status. She indicated that the notice was sent to my XXXX XXXX that I used during my last move XXXX. All mail sent to this XXXX XXXX is now forwarded to my actual address - and remains forward-able until XX/XX/XXXX In any case, I did not receive this bill - or any other notice via email or phone - from Bank of America regarding this fee. Unfortunately, the bank representative could not help me since I was in " arrears '' for this fee payment making this report to the credit agencies a valid action and she could do nothing fro me. I had the representative change my XXXX XXXX XXXX to my actual address for all further mail communication before ending the call. 
On XXXX XXXX, another email alert came from my credit monitoring service. Here is the summary of this alert : Alert Date XXXX XXXXCompany BANK OF AMERICAPayment Status 30 days past dueStatus Date N/ABalance $ 0.00Balance Date N/AAddress XXXX XXXX XXXX XXXX XXXX, XXXX XXXX that the second alert above indicates a zero balance showing that Bank of America has received my fee-plus-interest payment. 
Now I am wondering what recourse do I have to correct this. My credit history spans more than 40 years with zero derogatory information. I find it difficult to believe that missing a payment to cover an annual fee of {$18.00} can cause this much damage to someone 's credit profile. Is this normal? Certainly one can have this corrected easily, especially since the circumstances show absolutely no intent to defraud or mislead the credit-providing company by this consumer. Please help!
I currently have a balance transfer offer on my account that should give me no interest until XXXX 2018. They stated that I could either transfer the money to my bank account on file or to another credit card. I took some time to ask about the details about the transfer and a few minutes later I attempted to take them up on their offer. In doing so, I was told by customer service that I could not take part in the offer becuase it had " just expired '' and was no longer available just after confirming that the offer was good until XXXX XXXX i was then told the only way to get this offer was to use promotional checks that I do not possess. I asked about these checks and ir was confirmed by customer service that there were none sent out for these offers. This is a simple " bait and swich '' scam and a deliberate attempt to NOT allow customers to take advantage of an advertised offer ; this needs to be investigated and criminal charges need to be filed.
We have a l ocal Toys 'R ' us credit card. We had a balance t hat we believed we paid in full, we called and paid {$300.00} and change for that purpose. Somehow there was a balance that hit the card after, we at best, were told perhaps a billing charge was applied after we paid. That {$6.00} charge sat on the card for over {$30.00}, we did not know it was there and it dinged or credit harshly, dropped  XXXX  pts.     My family has worked for years to keep our credit rating up and have n't had a late payment on anything for years. That {$6.00} hurt us like it was hundreds or thousands and should have never been on the card in the first place.     We want the report struck from our credit. We are furious. We just paid the card and are waiting for the balance to clear and cancelling it. This was absurd.
I have been making payments with an external checking account through the issuer 's website or third-party bill pay service to my credit card. Unknown to me, I was not able to make payments after I opened a checking account with the issuer, which there was no sign or warning that the service has been redesigned. I ended up calling the issuer to make a phone payment, which was considered late due to time zone difference.
I received a letter from Citibank that they have sold my mortgage to XXXX - however they FAILED to include information as to EXACTLY what information I needed to change in the Citibank Online Banking Payment System - in other words they FAILED to include information on how to change the PAYEE information. I have tried to call Citibank 8 times, I tried to chat with them - and have included note from that chat for your review. I called XXXX they had no answers and told me I had to talk with Citibank. So far Citibank has FAILED to give me this very simple answer. I do not know what to do now? I need the name & correct address that Citibank wants me to change on the PAYEE FORM so that my mortgage payments are sent to the correct PAYEE & ADDRESS - i am  SHOCKED this has been this hard to get???
i have lost my card and have been trying for days to contact Rush card to cancel the card and have another one sent out. Everytime I call I get hung up on and no response. SOmeone may have found my card and is possibly using it. I can not afford to be late paying my rent and lose the XXXX balance still left on my card. This is crazy. I have sent emails and no one has contacted me back.
I sent out XXXX separate letters to XXXX ( XXXX ) separate addresses listed on my report and did not get a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Capital One Auto Finance d/b/a COAF '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
I am filing a complaint due to the issue of my mortgage bank being uncooperative with me in order to settle up on my payments and avoid foreclosure on my home. Fives years ago the co-owner and I split up and he left the home. He cut all ties financially with me and quit his job making it difficult for me to keep up on payments. I applied for a hardship program through XXXX a little over a year after we split. But it still was difficult and eventually I was unable to make payments and provide for my children. Last year my mortgage was bought out by Caliber Home Loans. They sent me a payment agreement consisting of interest only payment with escrowed insurance and taxes. I was interested in this of course. When I contacted them they informed me that the co-owner had to sign the agreement also. I informed them of my situation and they still would not work with just me on saving my home. Because myself and co-owner were not married there was no distribution of property when the relationship was dissolved. I was left with all the bills and providing for the child we have in common. Again two weeks ago on XXXX XXXX I contacted them concerning the possible foreclosure and my application of loss mitigation. I provided them with everything I could. The only document they were missing and required was a signed letter from the co-owner stating he would sign the modification. Which they were well aware of in my application letter that he refused to do due to going through family issues concerning child support. With all this information I believe that Caliber should assist me without the consent of the co-owner as I am the one still living in the home and paying the bills. The ending result as of XXXX XXXX the courts have granted the bank counsels motion to appoint a referee and grant a judgment of foreclosure. I do not want to lose my home that I share with my children. The only home my son, the child we share, has ever lived in.
On XX/XX/2018 I wired money to XXXX XXXX where I had lived and had a business before, and I still have a bank account with XXXX XXXX  in XXXX. The amount of money I asked to be wired was {$85000.00}. and the money which was wired to my bank was the amount of {$68000.00} EURO. At the time of the transfer I was very sick and just had a XXXX. So, I was not able to calculate the transaction amount and myself. I asked the banker who did the wire transfer for me " how much is the rate? " the lady sad " I do not know and it is my fist time doing this. '' When I came back home from XXXX and visiting my family and got better and i was thinking more clearly, I calculated the amount and shocked to see how the bank has cheated me and the rate that I was charged was not a correct one. So, I went to the bank and asked a banker to put a complaint and inquiry about the wire. She did filed a complain and in a few days I got a call from the bank saying the rate is correct and if, I need further clarification to see the paper work I have to bring a sphene from the court. 

I called and wanted to talk to the CEO or someone who could help me with this matter, no one was coperating with me and I was told repeatedly to bring a sphene. I wroter to the board of directors a couple a of times and they all were unresponsive and uncooperative, and was redirected me to the same secretary. 

Attached please find copies of my correspond with the board of directors and my letters. Thank you for your time and consideration. 

Regards, XXXX XXXX
I have disputed an account with XXXX XXXX XXXX, XXXX. They failed to complete the investigation that was submitted online XX/XX/XXXX ) and via mail XX/XX/XXXX to XXXX. I received a letter dated XX/XX/XXXX from XXXX requesting that I provide them with documentation and it also stated that they would not contact me until they complete the investigation. I initiated the request to investigate and provided documentation to XXXX by mail on XX/XX/XXXX. XXXX obviously failed to share the documentation. I also provided them with documentation from XXXX XXXX ( the company they are collecting for ) that stated I am not responsible for the debt. The documents were not shared with the collecting agency, XXXX. The letter I received is an effort to extend the 30 day timeline. I was alerted today XX/XX/XXXX via  XXXX XXXX that my investigation was complete because the information was verified. In my letter, I requested validation and verification of my debt. I did not get that. Also, XXXX is closed on XX/XX/XXXX so how was my investigation closed? Also, I believe I have fought this for over 7 years. I believe the statue has also run out. But they have not submitted verification of that either. Lastly, I do not believe XXXX XXXX XXXX is licensed to collect in my state. The company does not have my state on the webpage as a licensed state. I have disputed the same account with all 3 agencies and I have had the exact same result. Not proven to myself. Not verified to me.