WillisBack/dataset-financial-user-claim huggingface dataset:
We asked for a loan modification inXX/XX/XXXX. InXX/XX/XXXX an employee O Northern Ohio Investment Company spoke with us regarding questions we had about our mortgage rate and sent us printouts of all payments dating back to XXXX the date of our mortgage and told us to go over them and call back with questions. We did exactly that and left 12 messages for her in a 15 day span. Then another employee telephoned and said she would process the loan modification. We asked for a HARP LOAN and were told at least 8 times we could not apply because we were behind and finally the employee got upset and said that our loan was still associated with XXXX XXXX and they do not process any HARP LOANS. From XXXX through XX/XX/XXXX they kept making excuses such as ; no reply from my husband 's employer ( he is more than agreeable and forthcoming to deny this ). Then came superfluous excuses. In XX/XX/XXXX we had applied for a Save the Dream money with the State of Ohio and given {$15000.00} but the printout showed they received {$25000.00}. When we started asking questions about this at the end ofXX/XX/XXXX and cutoff the original employee qho was trying to help us. They never let up on 9 % interest in all these years. They took advantage from day one when we applied in XX/XX/XXXX due to our circumstances. We had a XXXX XXXX in which we lost our XXXX year old granddaughter we were raising and everything we owned. Continuing we finally got a hold of a supervisor on XX/XX/XXXX who told us we were denied and then said " XXXX XXXX ''. Two days later he was no longer with the company. We believe we are involved in a predatory loan. On XX/XX/XXXX we received a letter stating we could file an appeal within 14 days we did so on XX/XX/XXXX. Now 69 days later no answer by mail, emails or regular or certified mail. Only one phone call when did we want to schedule a short sale.
Experian and XXXX are continuing to report duplicate account that have been paid in full and should not show on my credit report.
Medical Revenue Services  has been calling me on my personal number and at my work number several times a day. This is for a medical bill to  XXXX   XXXX   XXXX  for {$1200.00} that I am paying directly to the original creditor, I 'm making a monthly payment on a couple different bills and this is  one  of the ones lumped in to the payment.  <P/><P/>  MRS was  rude, after I asked them to not call me at work because my employer does n't allow it. She got mean and nasty and started yelling at me. Told me they would take me to court. These people are ridiculous. Would n't give me any information, pushed that I pay them in full immediately. When I told her I was paying the original creditor, she said I was lying and they would n't have sent the debt to them if it was n't valid. When I told her that I was n't going to pay her she said fine, we have been reporting on your credit report, and will continue to do so and hung up.
I currently have an active Best Buy Credit Card and have recently been charged over {$700.00} of interest charges from a purchase from a promotional balance that was due by XXXX 2015. The issue thatI have is that each month I have been paying $ XXXX {$200.00} more than theminimum payment so that I would not have this issue. I recently called the credit card company and they said there was nothing they can do. I was specifically told that if I wanted to pay my promotioal balance I was to pay more than the minimum payment. I did thisand do not have an extra {$700.00} to just throw away. I would like best buy to credit me the difference in each payment I have made like they said would be done so that I do not need to pay anadditional interest fee of {$700.00} on top of my current balance.
Hi in 2015 I opened a cd with XXXXXXXX XXXX XXXX 5yr term at 1.95 APY 2.0 the bank changed hands it is now m & t there interest rate is1.95 APY is 1.97 the manager and teller said the forumular is the same.When m & t bank toke over XXXX XXXX then said they would honnor the cd from XXXX city.HELP
I found a debt listed in my credit report by XXXX XXXX. The original creditor was listed as XXXX. This debt was formerly listed by another credit  collection company, XXXX, but was removed from my credit report after I filed a claim with them for fraud as this was not my account. 

Apparently the debt has been sold to Convergent who has reported it within the last month to the credit reporting agencies as a new collection. I sent a written request for debt validation on XX/XX/2018 certified return-receipt mail. I received a letter of debt " verification '' on XX/XX/2018. The " verification '' does not include any of the information I requested to be included in the debt validation. Among other requested items, there is no signed contract.
I contacted BOA to inquire about an escrow reimbursement check on XXXX/XXXX/15. The automated system indicated XXXX would be mailed out on XXXX/XXXX/15 however the associate informed me that XXXX was the amount sent on XXXX/XXXX/15. I asked what happen to the XXXX and was told it was " mailed out to the investor ( XXXX ) to pay for your PMI. '' XXXX said they had nothing to do with PMI. I called BOA back, shared what I was told by XXXX and the story changed. This time I was told the PMI was sent to HUD. I contacted HUD ; they had no record of me. I called BOA back and the story changed a XXXX time. I was told AGAIN the PMI had been sent to XXXX. After refuting this, I was told my PMI carrier was XXXX XXXX. I learned from XXXX that the account was cancelled on XXXX/XXXX/15 and the last payment received on XXXX/XXXX/15. Moreover I was told if additional funds were received from BOA they would be returned to them. I called BOA back and the story changed a XXXX time. This time the associate said the XXXX was sitting in my escrow account. I asked how this could be when I no longer have a mortgage. I asked if I could have the money refunded and was told " no. '' I asked why and the story changed AGAIN. This time I was told the XXXX would be used to cover admin fees for paying off my mortgage. 
I ca n't begin to imagine how many other customers have been subjected to this type of fraud. In fact I said this to a BOA manager named XXXX yesterday and his response was " unfortunately you 're absolutely right. ''
I signed up for the American Express Platinum card on XXXX XXXX and was rewarded XXXX Membership Reward points on XXXX XXXX, within the 3 months required to meet spend. On XXXX XXXX I had the points wrongfully removed without any proof of misconduct.
On XX/XX/2019 Barclaycard cancelled both of my credit cards for no good reason.

I was never late in a payment or kept any high balances. I asked them several times to give me a good reason, and they can't. They keep saying I violated the terms of the agreement, but nobody can tell me which one.

The big problem I have is they are trying to take all my reward points, which I earned. I want those reward points back or redeemed for cash. They shouldn't be able to take those away from me for no good reason.
XXXX XXXX recently foreclosed on a home where I had two loans with them. After the foreclosure, there was a balance which substantially pays off the second loan. XXXX XXXX was notified by the court system that the money owed to them was available. They refused to acknowledge this and change the account number on the loan and are reporting as delinquent for over {$69000.00} than owed. I tried to dispute with the credit reporting bureaus - TransUnion and XXXX - both disputes when I tried to load them onto XXXX XXXX would not transmit to the companies - supposedly XXXX XXXX 's reporting mechanism was not working - I tried several times! The attorney handling the foreclosure has corresponded directly with XXXX XXXX regarding the over {$69000.00} and they still keep reporting me delinquent, will not state the correct amount owed and as they told me they would are working to ruin my credit. 

Do I have to sue XXXX XXXX and the Credit Reporting agencies in order to get this matter taken care of. If so, I need to do it quickly as that is how XXXX XXXX was able to foreclose of the first loan - the judge stated I took too long to sue them after trying to years to get them to acknowledge that I had already paid the loan off. Now they are doing this to me again - they are basically ignoring my calls and letters and refuse to first collect their and give me an updated loan amount with the new number they have changed the account. 

What can I do going forward?
Company continually calls me trying to collect a debt I don't owe. Told them that if they felt I owed the money to take me to court, This last time I spoke to a gentleman that said his name was XXXX XXXX with Benjamin Chaise and Associates, XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX. I was very clear to ask not to call me again about this debt and he has called me again. I told him that I would report his calls to the appropriate authorities and now I am. The first time I spoke to him he was very rude.
I received a bill from Peter Roberts and Associates INC. stating that I owed {$270.00} to XXXX from an old account that was handed over to them. I have never received a bill from this company or any demand for payment. 
I do have medical insurance and it always gets checked before any doctors appointments. I called my Dr. just to clarify, who uses XXXX and they told me that they never sent anything to Peter Roberts and Associates regarding my account. I tried calling Peter Roberts multiple times, however it goes straight to an answering machine.I left multiple messages, but never received an answer. Please look into this issue, as I am lost why I got this bill. Others have been contacted by this company which appears to be fraudulent. 

XXXX
I have been paying XXXX a month on this loan for 12 months. My initial lian amount was XXXX and currently has an outstanding balance of {$6100.00}. As i look over the contract the total balance due is nearly XXXX.
I deposit a check payable by XXXX Bank and issued to me XXXX using a Bank of America ATM on XXXX15 to my Bank of America account. I checked my account on Saturday and it reflected no hold on my account. This morning XXXX/XXXX/15, I logged into my Bank of America account stating a hold was placed on my account and I was being notified by mail. Meanwhile I have a contractor coming to my house that I need to make a payment so he can start repairs to my home. That check I deposited is for the repairs to m home. I called Bank of America I was told the funds would not be available until XXXX/XXXX/15. I was under the understanding that banks are not allowed to hold funds for that long.
My bank convinced me to apply for a credit card to protect against over draft fees, since i was asking them to waive XXXX ( the only XXXX I had ever had ). This was XXXX ... By XXXX the interest was out of control and I could only make the minimum pmt. My girlfriend paid the bills and the last time she tried to make a pmt they would not let her because her name was not on the account. I hardly charged anything to my credit card- the balance was interest and late payment fees, so I stopped making payments.. I could n't get ahead. This was around XXXX and I was pretty sure it went to collections that same year. I would have thought it would have fallen off my credit report and it has n't. Its frustrating because all of this happened before they changed the laws- So for a {$300.00} credit care I owe {$610.00} - All of the balance is late fee and interest. Can it be taken off my credit report? 

Thank you XXXX XXXX
I have once again been locked out of my citi bank credit card access. This is the second example of this happening to me in the last six months. I previously had to cancel my XXXX XXXX XXXX XXXX due to the poor design on citibank 's web portal. The first instance was on XXXX XXXX of 2015. I was kept on the phone for over an hour and was refused assistance which resulted in me cancelling the card. 

Today I phoned in again as instructed by the web portal to XXXX, I spoke to XXXX, agent ID XXXX. She deleted my login and asked me to re-register. I was then once again unable to re-register the card. She refused to have someone call me back at a later time and gave no other solution.
XXXX XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. Capital One states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.
I am writing because I am trying to figure out exactly why NFCU is allowed to break the law and charge me for fraudulent debits and I have completed everything neccessary to have them blocked under FCRA 605b.

I have fully complied with the requirements of FCRA 605B ( a ), which sets forth the items required to block identity theft info from your credit report, and them imposing an investigation requirement that is clearly not part of the block procedure is clearly a violation of my rights.

The two individuals who " investigated '' were XXXX XXXX ( who I have never ever heard from and never contacted me ) and Senior Investigator XXXX XXXX ( who basically just treated me like I was the criminal and his " investigation '' was based on his opinion, which is completely unfair.

Someone has seriously done damage to my future and has made it extremely difficult for my everyday life, and to ME that is serious, even if noone else seems to care or be bothered to actually follow the law.
I was selling my dryer on XXXX and asking for {$110.00}. 
On XXXX XXXX, 2016, a person texted me and agreed to buy. She/he said a cashier check was sent to me with more than what I was asking for. I asked why. The scammer said it was meant to send to somebody else before it was sent to me in an error and asked me to return the difference. Then the scammer provided the information where the difference should have been sent to. I received a cashier check for {$1800.00} on XXXX XXXX. I went to my local Eastwest bank in XXXX XXXX in California to cash the check on XXXX XXXX. I considered I could get the money on the same day because it was a cashier check. However, the bank teller told me they had to withhold the check for 2 business days to verify if the check was good or not. On XXXX XXXX, the bank released the check and I got the cash for {$1800.00}. I deducted {$160.00} total from {$1800.00}, {$110.00} for the dryer and {$50.00} for the trouble. I sent the difference of {$1700.00} cash through XXXX in XXXX store. XXXX transactions were made to different scammers. Each got {$840.00} after the {$16.00} fee. 
On XXXX XXXX, I was checking my Eastwest bank account online and found out my bank balance was negative. The amount of {$1800.00} was deducted from my account. I called my bank immediately. I was told that cashier check was returned. They referred me to talk to my home branch. 
I spoke to my home branch manager in XXXX XXXX and was asking why I was responsible for the returned fraud check even under the supervision of 2 business days withholding policy in Eastwest bank. We had disagreements on the issue of responsibility of the bad check. The final answer was that I had to take the risk regardless. 
I do n't think it is fair for me to take the loss. It is not my fault. I am innocent. It is absolute bank 's negligence. I would have not cashed the check if the bank had stopped it. It is bank 's responsibility to tell me if the check was good or not with 2 days withholding. I am the victim of the scam. 
I am now asking the authority of the Eastwest bank to take further action to investigate the case. I want my money back.
XXXX XXXX, There are numerous issues that have arised from your responses that I will ask to be answered one at a time through individual complaints using the CFPB site. Several of my questions were not responded too in my first complaint. 
First off I have been provided XXXX Mortgage Transaction History reports from the same Loan account that do not have the same dollar amounts posted on the Interest paid colum on the date of XXXX/XXXX/XXXX. 
Below you will find the Amounts of XXXX XXXX/XXXX/XXXX transactions from " Complete Transaction History '' that XXXX Provided in XXXX XXXX from Consumer Loan Servicing Department Bank of the West. This Transaction document has Interest paid amount of {$570.00} on XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX Payment Fees Interest Principle {$72000.00} XXXX/XXXX/XXXX {$170.00} {$170.00} XXXX {$72000.00} XXXX/XXXX/XXXX {$420.00} {$400.00} {$23.00} {$72000.00} Below are the Amounts of the XXXX XXXX/XXXX/XXXX transactions copied from the " Mortgage Transaction History '' that XXXX XXXX provided in his response to CFPB site on XXXX/XXXX/XXXX. The interest paid amount on this document has {$400.00} interest paid on XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX Payment Fee Interest Principle {$72000.00} XXXX/XXXX/XXXX {$170.00} {$170.00} XXXX {$72000.00} XXXX/XXXX/XXXX {$420.00} {$170.00} {$230.00} {$23.00} {$72000.00} Auto payment, satisfied XXXX/XXXX/XXXX, late charges paid of {$170.00} Both of these transaction statements show that the {$170.00} was paid before the {$420.00} transaction. Actually it was when I looked online and saw that " AutoPay '' debited only {$420.00} for the monthly payment I then made the payment of {$170.00} so the monthly payment equaled {$600.00}. 

This would make a {$170.00} discrepancy on Form XXXX for tax year XXXX. 

XXXX XXXX, please explain which Transaction document is correct? If the Transaction History you Provided in your response to CFPB site on XXXX/XXXX/XXXX is correct it brings up a new problem. 
The Interest Paid total on My " Form XXXX Mortgage Interest Paid statement '' for tax year XXXX, is {$170.00} higher than the Interest Paid total amount from all XXXX interest added from the transactions stated on the transaction history you provided on XXXX/XXXX/XXXX. 
My accountant said he will be glad to amend my XXXX Federal Income tax return to reflect the correct dollar figure. 
I am certainly not paying this Income tax return amendment as this would be a BOTW mistake. 
Please provide correct interest paid amount for XXXX tax year on a revised Form XXXX. 
I have enclosed a copy of the " Complaint XXXX '', " Complete Transaction History '' that XXXX Provided in XXXX XXXX from Consumer Loan Servicing Department Bank of the West as well as " Mortgage Transaction History '' that XXXX XXXX provided with his response on XXXX/XXXX/XXXX to CFPB site. 

Thank you in advance for acknowledging and answering this request. 
Sincerely, XXXX
On XXXX XXXX, " XXXX XXXX '' called my wife 's phone from a disguised number which later would n't work when I attempted to call back to verify my complaint was being handled at that company which I believe is against the law to spoof numbers ( XXXX ) at XXXX and started to try to collect a debt for an XXXX bill I 've disputed several times as identity theft and never told me my mini miranda rights until several minutes into the call. After I advised him this was under dispute for identity theft he still tried to collect the debt by insisting on giving me the alleged balance due. I was n't disputing the balance, but rather the debt itself. I then asked for a manager and got " XXXX XXXX ''. He refused to acknowledge the bad training and the illegal contact and was determined to justify his rep trying to collect the debt after being told of the dispute. I asked several times for his manager ( 5 times ) before he placed me on a long hold for his manager " XXXX XXXX ''. XXXX XXXX did n't mini miranda me, but his manager XXXX XXXX did. This company made this experience very frustrating and extended as the call took dozens of minutes, disrupting my whole night with my family. XXXX XXXX XXXX was aware of my identity theft claim, but rather than work with me, they keep working to have new agencies collect this fraudulent debt.
Firstmark Services manages several groups of student loans. They do not provide a history of monthly principle balances, nor will they upon request. They will also not mail this information to me. I believe they are mismanaging the principle amount and accruing interest on my loans. They also have made it exceedingly difficult to pay in excess of the minimum payments as I see fit. That is, they deliberately split large payments to spread across my multiple loans, so as to have the smallest impact on principal balance, despite multiple requests to the contrary. I have written, emailed, and spoken to representatives several times in an attempt to resolve these issues and obtain the requested information, and each time am provided with no updates, nor are the changes I request implemented. I believe they are managing loans in a bad faith fashion, and deliberately hindering the repayment process. Further, their website was recently updated and has been riddled with issues impacting the ability of fiscally responsible loan recipients to manage their debt. For instance, statements are not generated unless there is a balance due. However, I pay the loans and a frequency exceeding the time for which a balance would be generated. I therefore am unable to see the principle balance as affected following each payment. As an actuary, I find that the calculations for balances as calculated by myself, do not coincide with the balances generated by Firstmark Services.
I have written several letters to this debt collector to validate my debt. So far, I have received no response from the debt collector in order to validate this debt to resolved it in a timely manner
Bank of america reordering my debit card transactions and holding small transactions back until big transactions get my account low and then pushing through the small transactions to see how many they can charge a NFS returned fee for. The returned fee is {$35.00} and these crooks have stolen XXXX from me over the last few short months by showing me a debit card transaction is paid on my account page and i have x amount of dollars left but then they say thats not accurate and magically those small transactions are witheld from debiting until it would create a returned nsf fee. This company is crooked!
Chase closed all my personal accounts without reason - I am a business and American citizen - haver no overdrafts and use Chase for both personal and business accounts. They are closing the personal but keeping the business open? This is unfair and I feel it is discriminatory since I married a man who is an XXXX citizen and XXXX.
I am a victim of identity theft and someone stole my identity and used my personal information to open up an account with XXXX XXXX for cable and high speed internet service. I do not owe XXXX XXXX a debt of {$120.00}. The account or debt do not belong to me. I have been phone calls repeatedly from XXXX debt collectors who have harassed, verbally abused and threaten me with wage garnishment and arrest if I do not pay the debt. XXXX XXXX is in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.
On XX/XX/2017 I wired {$8500.00} to Coinbase. The funds were received by Coinbase, according to my Bank, XXXX, but the funds have not shown in my Coinbase account.

I have submitted various support emails to Coinbase but no resolution has come about.