WillisBack/dataset-financial-user-claim huggingface dataset:
This is the second time that I have had to question Security Finance about two payments that did not go through on my account as ( 2 ) {$80.00} payments. I spoke with the branch mgr and did not receive a satisfactory answer at the time. The first occurrence happened around XX/XX/XXXX ; however, I did not keep the bank statement in order to verify how both {$80.00} payments were initially going through but later one of the {$80.00} payments was reversed. 
The second occurrence happened on Friday XX/XX/XXXX. I had my husband XXXX XXXX call in to make a debit card payment from his debit card to both our accounts, and on Sat XX/XX/XXXX both {$80.00} payments were processing when I balanced and I reconciled with XXXX XXXX XXXX. ( See banking documents dated XX/XX/XXXX ) However, on Sat XX/XX/XXXX when I went to balance, I noticed only ( 1 ) {$80.00} payment actually processed ( See document dated XX/XX/XXXX ) and when I called XXXX  XXXX XXXX and spoke with the Claims Dept. at XXXX, I was informed that one of the {$80.00} payments was reversed within 24 hours after processing. 
On the following Monday XX/XX/XXXX, I called the Corporate Office in XXXX, SC and related the incidences and the Regional Mgr called me the same day and I related the occurrences. The Regional Mgr. did not seem concerned that the {$80.00} charge had been reversed and kept assuring me that the ( 2 ) {$80.00} payments were posted to the ledger for XXXX 's and XXXX 's accounts. 
This is an issue because since both of us have separate accounts and I have bank statements showing one of the {$80.00} have been reversed, we have no way of knowing which account has legitimately been credited. The Merchants books and Banking records are not reconciling. 
At some point in time the first {$80.00} did debit my bank, but the {$80.00} paid on XX/XX/XXXX that was processing has not debited into my account at the bank. I like to balance and this is very unsettling as to what is going on with their bookkeeping! 
NOTE : Faxing in XXXX XXXX XXXX statement dated XX/XX/XXXX indicating ( 2 ) {$80.00} payments processing. Also, faxing in XXXX XXXX XXXX statement dated XX/XX/XXXX 3 of 3 sheets indicating only ( 1 ) {$80.00} payment actually processed. Faxed to XXXX. Will try to upload 1 copy dated XX/XX/XXXX because it shows 2 payments processing Will also upload 3 copies dated XX/XX/XXXX that show only 1 payment went through. The phone number associated with Security Finance on the Bank statements is XXXX
As part of our mortgage modification we sought the ability to pay our taxes and insurance independent of our mortgage in order to better manage our monthly expenditures. We communicated our desire to pay our own property tax and home insurance and not to have them escrowed to the relationship manager at the mortgage company people during the modification and trial payment process. Each time we were told that it could be arranged. This was important because it enabled us ( as we told the mortgage servicing company ) to better manage our monthly finances. During the modification process at no time did they state that this could not be done. 
We are now being told by the Mortgage Servicing Company that they can not allow us to pay our own property tax or home insurance ; and that it must be escrowed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX ... To Whom It May Concern : I have contacted the debit card department and they confirmed that the account was closed and does not have any balance. This is reporting negatively on my credit report as Paid in Settlement {$39.00} written off. There was fraudulent transaction and it was disputed and I have paid the full balance. The representative over the phone clearly mentioned that there is no balance and this company still reports incorrect information on my credit report. This is hurting my credit score and my ability to get a home mortgage for my family with XXXX kids. Please delete this information from my credit report immediately.
My husband and I are wanting to purchase a mobile home and after trying to fill out the in-house lender through the mobile home park, it prompt me to this page " unfortunately, we do not have a lender that match your needs, etc '' then I picked the Quicken loan " see weblink '' XXXXThen I had applied through Quicken Loan and wrote both my SSN and my spouse. To my surprised, it gave me an error and never received a result. An agent phoned me right away and explained that Quicken Loan never process any mobile home loans and tried to convince me to get a single family home loan. I said NO and they should have never advertised from the mobile home site to begin with. I am a XXXX in the state of XXXX but currently working as an apartment locator. You can say I am very naive about the mobile home buying, but this company put a hard inquiry on my XXXX credit bureau effective today XX/XX/XXXX. This is an unfair practice and obviously I was a victim of a " bait n switch '' type of advertisement. Please help me remove this hard inquiry off my credit because we are trying our best to buy our cheap permanent home. This hard inquiry will definitely affect any future purchase. Here is the Quicken Loan informationEMS QUICKENXX/XX/XXXXXX/XX/XXXXMisc. 
Creditor Contact DetailsQUICKENLOANS/EMSQUICKENXXXX XXXX, XXXX XXXX ( XXXX ) XXXXSee something wrong? 
Find out how to dispute a hard inquiry.
Dyck Oneal has repeatedly called us and threatened to take us to court over and over again for years. Their collection tactics are abusive. They are still on our credit report without a judgement ... just threats and harassment. Everything has been documented. They have violated FDCPA several times.
I received a mailer stating if I opened a personal checking account, I would receive XXXX after two months of reoccurring direct deposits of XXXX or more. Once I went to the local branch, I was told since I am self employed and my direct deposits are n't from an employer, I would not be eligible for the promotion. I use a third party servicer and rents from my rental property come in monthly as a direct deposit. 

This does not make sense. The solicitation says " reoccurring direct deposits. '' Certainly I meet that requirement.
This is the result of job fraud. Capital one is holding me responsible for the following transactions XXXX/XXXX/XXXX {$3400.00} XXXX/XXXX/XXXX {$3700.00} XXXX/XXXX/XXXX {$4100.00} XXXX/XXXX/XXXX {$4000.00} XXXX/XXXX/XXXX {$1100.00} These we XXXX XXXX purchased which XXXX XXXX XXXX XXXX depleted the cards XXXX I reported this to the police and filed a report in XXXX XXXX once I realized something was not right.
on Today XX/XX/18 my grandmother who is a reference on my account they called her and discussed my balance on my account. I know that they aren't supposed to release any of that information but they can call and ask for an updated address or phone number. However, once I called the representative that told my grandmother this information she states she only told since my grandmother asked but I told her I don't care because she still should not have disclosed it due to it not being her account. I think got transferred to the manager she told me that I am not telling the truth that my grandmother told them the amount of my loan. I am like how can she know the amount if I didn't tell her and she was speaking to your representative that stated she told only because my grandmother ask, no way possible for her to know the exact amount of the loan. I also advised that I get numerous calls she told me that's false she only calls me once a day. I said ma'am I get a call from XXXX at least twice a day and one from her each day. I told her I could show her my voicemails but she told me she isn't hear to discuss that just the payment of my loan. so I asked her not to call me or my grandmother any more. I spoke to the assistant manager XXXX an made a payment and he told me the payment wouldn't be due until the XXXX of each month. granted I am behind and did mention I would pay it and I said I would go ahead and make 2 payments this month well I forgot on Friday due to death and on Monday today XX/XX/18 woke up to 4 voicemails and then a call from my grandmother. she told me since I'm late they can call me about it as much as they would like until I'm caught up.
My wife and I have been working with Bank of America for the past month in trying to get our mortgage application approved. When we first started this process, our issues with other lenders have been ( i ) having my wife 's income included in the calculation of our debt to income ratio ( my wife commences her graduate residency on XXXX XXXX ) and ( ii ) closing as scheduled on XXXX XXXX, 2016. We were assured from the beginning and multiple times throughout the process that this would not be an issue for BofA. The only reasons we agreed to work with BofA were my prior relationship with BofA and their promise ( after being made fully aware of my wife 's start date and nature of her job ) that they would include her income and get the loan funded in time for our scheduled closing. In reliance on this assertion, we worked expediently in getting our application processed as quickly as possible and provided all documentation asked of us promptly in order to complete our application. After a long and arduous process, we were informed the week before the scheduled closing that BofA would not be able to live up to its promise and would not be able to include my wife 's income until she actually started working and that closing could take place no sooner than XXXX. After submitting a complaint, BofA suddenly changed its tune and now says that it somehow managed to obtain the information it needs to include my wife 's income, but at this point, given the timing, the financing we need will not be available by the scheduled closing. 
We are extremely disappointed with BofA 's handling of our application. Had we been informed from the beginning that BofA would ultimately have the same problem that each other lender has had, we would not have wasted so much time, energy and expenses in trying to push this forward. The entire process could have been halted many times. Instead, we were promised in no uncertain terms that the documentation provided to date was satisfactory ( we had even had my wife 's graduate school revise language of an existing letter at BofA 's request to satisfy concerns by the underwriter ) and that the underwriter would have no issue with including my wife 's income and approving the loan in time for a XXXX XXXX closing. As such, we demanded reimbursement of the expenses ( i.e., appraisal and HOA certification fee ) that we incurred during the course of the process. BofA agreed to reimburse the appraisal, but because the HOA certificate fee was not paid directly to them, they could not reimburse the amount. This is despite the fact that we were told by BofA that we needed to order the HOA certificate in order to process our application as soon as possible, and were immediately urged to have it ordered on an expedited basis ( which added additional fees ). Altogether, the unnecessary HOA certificate order fee came out to {$300.00}.
I received a notice from XXXX on XX/XX/2017 stating that my loan was being transferred to a new servicer as of XX/XX/2017 and that they would no longer accept any payments after XX/XX/2017. XXXX did provide the new loan servicer name and contact telephone number and ask that I contact Specialized Loan Servicing LLC for c further assistance, I contacted Specialized Loan Servicing LLC I was told that my information had not uploaded into their system and was asked to call back the following Friday and that I would receive a welcome letter within XXXX days after the XX/XX/2017.I called again on XX/XX/2017 was told information has not yet fully uploaded into their system I was told not to worry because no late charges or negative reporting would be reported to the credit bureau during this phase my house payment is due on the first of every month I told this to the representative that I spoke with. I was in the midst of refinancing with another lender prior to my mortgage being transferred and had received a payoff from XXXX XXXX, now the company that I am refinancing are asking for a new payoff from Specialized Loan Servicing LLC who are telling me that they can not pass that information to the mortgage company that I am refinancing with because they do not have the information in their system yet, which is keeping from closing on my loan.
A person by the name of XXXX XXXX called my work phone, which is not a direct contact line. When I returned the call they were asking me personal identity questions while refusing to identify why they were calling or who they were calling on behalf of. They were rude, and in the end threatened me and told me I had to make arrangements today to pay today. I had no prior contact from this agency called CKS financial. I also had not heard of the company they claimed to have received my file from, XXXX XXXX XXXX. When I responded that I was at work and could not take the time to handle this phone call, but would look for something from them in the mail, " XXXX XXXX '' told me I better call back on a break today. Again I repeated that I did not have the time to deal with the call today and again I was told I better call on a break. Then she said she would write in my file that I said I would call back today, I told her I did not say that, but she again said I had to call back on a break today.
I wrote a letter to XXXX XXXX XXXX on XX/XX/2018. This letter was certified and was received on XX/XX/XXXX. This company did not respond in the 30 days allowed to respond. I received a letter from an attorney dated XX/XX/XXXX but was mail on XXXX. The company did not verify the debt but sent a letter and a bill which are not valid forms of validation. I have a copy of all items mentioned above.
As a continuation from my other complaint, incorporated herein ... 
US Bank is sending a fake name person in response and not addressing the issues presented. Request for documentation of merchant that sold products or services that conflicts or affirms that I was not duped on products/services sold to me are not being addressed. 

Reason for denying my FCBA dispute when no response from merchant is admission of the claim against him are not being addressed. 

Additional information, albeit it should not have been needed, has been supplied that affirms what I was supposed to receive and did not after a long drag out by the merchant and attempt to bait and switch me to other products/services in place of what was purchased.
After being denied financing for " too many inquiries '' from TransUnion, I reviewed my free annual credit report from all bureaus for 100 % accuracy. I found that there were several unauthorized inquiries that I had no knowledge of and I submitted a written complaint to TransUnion requesting that they verify the accuracy of these inquiries that I did not authorize. After a few weeks, I called and spoke to Supervisor XXXX XXXX today who provided me with no relief in verifying the unauthorized inquiries. My account already has an active fraud alert to prevent future unauthorized inquires like these. The following inquiries were not authorized and I 'd like to see to it tthat they are removed or verified for accuracy. None of these companies received my identification or authorization to obtain my TransUnion report for any reason : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Debt paid in full. Report not deleted from XXXX credit report as agreed upon by paying higher amount.
Coat Professional contacted my office wanting to know if this person worked here. He said that this person applied for something and he just need to is she worked here. I told him that we can not give out employee information without a consent from signed by that person. He said that he could give me her complete social and name.
I haven't had my credit report from Experian updated since the first of the year.i asked them to update it.they said they would but never did.XXXX   and XXXX.never had a problem with just experian.and I want to know why.
XXXX XXXX XX/XX/XXXX XX/XX/XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Banking ORIGINAL CREDITOR : XXXX XXXX BANK XXXX XXXX. 
DATE FIRST MAJOR DELINQUENCY REPORTED : XX/XX/XXXX ORIGINAL CREDITOR CLASSIFICATION : BANKING LAST REPORTED DELINQUENCIES : XX/XX/XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX BANK XXXX XXXX XXXX XXXX COLLECTION COLLECTION ACCOUNT UnknownLoanType Closed
I called transunion and tried to get them to delete inquiry 's that they deleted and put back on without giving me notice.
I sent several requests to Equifax in the past 10 months asking them to correct the remarks in a closed credit card from creditor XXXX XXXX XXXX. Equifax continues to show the remarks in the account as charged off and refuses to indicate that the account was paid in full. I asked them to contact the creditor and they do nothing. I want the remarks changed and since the account was closed many years ago to be removed from my credit report. The creditor can be contacted at XXXX / XXXX
I have a Chase Freedom Unlimited card and I recently applied for a credit line increase on XXXX/XXXX/2017 and I ended up speaking with a credit analyst who asked me to verify information from my credit report as I have a fraud alert on my credit stating to verify my identity before granting or extending credit. I am use to this process and he had me verify information and placed me on hold to review the information. Well after about 15-20 he came back and told me congratulations we have increased your credit limit to XXXX and it is available for immediate use and when I logged into my online account it was there. Well I recently logged in my account a few days ago and to my stick my credit limit had been reduced back to the original limit and when I asked why they told me that it had to do with my consumer statement and they tried to call the numbers and they were disconnected to which I replied that I had recently moved but the numbers were already updated with credit bureaus and the cell phone number on my account had not changed. They told them that 6 days later on XXXX XXXX my credit limit had been changed back because they felt it was a fraudulent request and I advised it was not a fraudulent request that I had in fact asked for it and the agent I spoke with verified everything already and why were they in my account 6 days later because they had approved the credit line increase and I had already received a letter confirming that it was increased. So why was it being reduced now and if the information was not verified properly on the XXXX why was the increase granted and I mailed a letter. They told me I needed to speak with lending services who explained that they had reduced the limit 6 days later and said the computer caught it 6 days later and I explained I did n't understand cause I spoke with an agent and he manually reviewed everything with me while I was on the phone and granted the request. Despite this they told me that I the request was closed and I would have to reapply for another credit limit increase and have another credit pull. I spoke with a supervisor and explained that they pulled my credit already and approved the initial request litterally 2 weeks ago why did I have to take another hit to my credit score. Every credit pull drops your credit score and I did nothing wrong. So they pulled my credit the first time for nothing and did they violate the law by granting credit and not verifying the request properly initially? It was n't a fraudulent request, I requested it and spoke with someone and verified it and now they are saying they ca n't grant it even though I have an approval letter and credit hit and now they want me to have my credit pulled again???? That is not right?? Why do I have to take another hard hit to my credit score and drop my credit score again for nothing I did wrong. Also why were they even in my account 6 days later??
I applied for assistance with my lender on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork to my lender Bank of America. I confirmed Bank of America had my full and complete application and all financials ( See letter attached dated XXXX/XXXX/2015 ). Bank of America then recorded a Notice of Sale against me on XXXX/XXXX/2015. I am told per RESPA-Mortgage Servicing Regulation X XXXX, my lender is not supposed to move forward with foreclosure if I have an application submitted 37+ days prior to a any sale date. My application qualifies within that time period and I feel my servicer illegally recorded a notice of sale against me and is therefore is now " Dual Tracking '' my foreclosure process. I am currently under review for a loan modification. The most recent letter ( Attached ) states I have until XXXX/XXXX/15 to provide additional documentation. Although I have already submitted this paperwork on XXXX/XXXX/15, how am I going to comply if I now have a sale date hanging over my head for XXXX/XXXX/2015??? I feel I qualify for assistance. My attorney says I qualify for assistance. Bank of America 's actions seem to violate RESPA Reg X ( XXXX ).
For almost a year XXXX has refused to correct their error. 
There error has resulted in damage to my credit with XXXX Full documents attached. 
XXXX
Fay Servicing says since they tried to pay my property taxes that they have a right to set up an escrow account on my mortgage and divert my regular payments into the escrow thus leaving my mortgage in default. 1. fay servicing never paid my taxes I did. 2. I was never notified of this change in my contractual mortgage agreement. as required by law. ( 1. TITLE XIVMORTGAGE REFORM AND ANTI-PREDATORY LENDING ACT, at any time after such an account is established in connection with any such transaction and in accordance with any statute, regulation, or contractual agreement, to close such account, the creditor or servicer shall provide a timely and clearly written disclosure to the consumer that advises the consumer of the responsibilities of the consumer and implications for the consumer in the absence of any such account. ) I found out about this misappropriation on my XX/XX/XXXX bill.
I have a Bank of America visa Card through AAA. 
I have been making above minimum payments on what was a {$3300.00} debt. 
for a year. The Balance has not only not gone done at all but has increased. 

During the same time period I also incurred a {$3200.00} Debt with XXXX XXXX XXXX and have been making payments on that. THAT balance has decreased {$1200.00} B of A has been charging me so much interest that my payments do not always cover the interest even though my payments are over the minimum. They are charging over 30 % interest.
I can not afford my monthly payments with  Navient  and they will not budge. I was able to reduce them to {$180.00} which was already too much for  XXXX  but in  XXXX  they went up to {$220.00}. This company has ruined my credit and will not budge when I tell them I am struggling to survive making their payments. I have a  Federal Loan  I pay $  XXXX /month on and it is totally manageable but  Navient simply will not let me set my payments. I would like to pay {$100.00} a month even though that is more than I can really afford but they will not budge.