WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX To Consumer Financial Protection Bureau, Hello, on XX/XX/XXXX I filled a dispute charge with Care Credit. On XX/XX/XXXX I had payed a dentist to place implants in my mouth ( XXXX ), service charged to Care Credit in the amount of {$8600.00}. Days after the job was done I noticed a problem - one of them was too small. I contacted the dentist and he wasnt willing to fix the problem. I tried again. 

I finally filed a complaint with Care Credit requesting some money back - the implant was defective and needed to be replaced. I gave them plenty of information, pictures, a letter from another doctor, etc I got an answer back from them on XX/XX/XXXX. It stated that they considered my case a quality issue and could not judge the quality of merchandise received. Then went on to tell me to work directly with your merchant to reach a resolution for your concerns. I appealed their decision and their answer was that Synchrony bank is unable to intervene in this matter, due to a purchase agreement you entered with the provider. You signed the providers contract consenting to potential risks and complications. 

Care Credit was visibly trying to side with the doctor. That contract says nothing to acquit him from a bad job. In fact it helps me. The problem was caused before the XXXX not after. It was intentional, not consequential. Care Credit was acting like a MEDIATOR between me and the doctor, I could have gone to another institution for that. They just wasted my time. I had already tried that on my own and the result wasnt satisfactory. The doctor is very good at writing nice letters but his demands that I sign an unscrupulous document releasing him from any responsibility is unacceptable. He didnt act in good faith. Yet Care Credit keeps telling me to work directly with the provider. 

I went to the Care Credit Dispute Department to request money back so I can finish my treatment anywhere I choose. It shouldnt be a decision Care Credit makes for me. If they can not make a judgement on a simple case such as mine, how are they able to judge on any case medical related at all, considering they are a medical related card? 

I finally got the answer I was looking for. As I spoke with one of their Dispute Department representatives last week I asked her why they had a Dispute Department if they are not able to judge, and she said that they are requested to have the XXXX - by law. That means their department is only a facade. Thats a disservice to their card holders. Im requesting CFPB to make an investigation on Care Credit Dispute Department Practices, and that they remove any late fees and interest fees from my account. 

Thank You Very Much,
I have had a mortgage with XXXX and with SPS Loan Servicing Inc since XX/XX/XXXX 
I had a complaint which I submitted to CFPB in XX/XX/XXXX which was never resolved. 
I signed a Mortgage Modification with XXXX in XX/XX/XXXX and then subsequently with SPS Loan Servicing in XX/XX/XXXX. I have stated to the mortgage holders that my signing modification documents would not alter my claim against XXXX and this claim was initiated before I signed any modification agreement with XXXX and subsequently SPS. 
I am disputing any arrearages that SPS is now claiming from me because they have not addressed my past claim against XXXX. Please see enclosed letter dated XX/XX/XXXX wherein I have stated that XXXX capitalized our mortgage balance by {$170000.00} since XX/XX/XXXX which outlines the basis of my claim. My past claim number with CFPB was XXXX and it was not resolved with XXXX. I have substantiated these amounts with bank statements and escrow statements from XXXX and submitted them to XXXX. It was my understanding that XXXX submitted the documents to SPS when SPS assumed loan servicing of my loan in XX/XX/XXXX. According to my records, XXXX and SPS owed my mortgage account the amount of {$100000.00} for capitalization of erroneous amounts from payments not credited, excessive interest charged, and excessive escrow charges to the account. 
I have another dispute with SPS in that they have sent me a Cancellation of Debt Notice for {$210000.00} for the year XX/XX/XXXX. I have received a letter from SPS regarding XXXX on my loan for which I did not qualify and for which SPS granted the amount of {$71000.00} and not {$210000.00}. I have requested them to correct the debt forgiveness amount and so far I have no cooperation from them. 
Please see enclosed documents substantiating my claim against SPS. 
They have been submitted to your office in the form of a scan. 
I am requesting SPS to immediately correct the debt forgiveness form and to credit my mortgage account with the amount I am claiming since XX/XX/XXXX when I first contacted XXXX regarding this matter. My former CFPB claim number was # XXXX. 
Respectfully submitted, XXXX
XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however Suntrust is still receiving regular payments from me so I should get something for that.
I closed my account after only about a year in XXXX XXXX after having my credit limit lowered twice in the past several months ( I was declined for a medical payment I was making when I logged on and found out my credit limit was lowered ). In early XXXX I completed the autopay enrollment process to pay off my balance on this account with continued monthly installments. On XXXX I received a bill with a higher than normal minimum payment and when I logged on I see my pmt is past due. The company did not process my autopay for my XXXX pmt and hit me with a late fee. When I called I was told it would take a billing cycle for the auto pay to kick in and I should have received a disclaimer telling me this. It did not. I have a screen shot of my enrollment due to previous issues with this company 's online account features related to payments and bank accounts associated for payment. So now, for the at least the second time I have been charged fees due the company 's less than adequate online payment system.
I paid off my auto loan on XXXX XXXX, 2016. Tidewater Finance provided me with a pay off amount {$310.00} greater than the balance of the loan. I requested a refund on XXXX XXXX,2016. I have not received the title of the vehicle or my refund. TIDEWTER has told me they have 60 business days to issue my refund and the title. My son is in the XXXX and I need the title to transfer the vehicle to his name prior to him being XXXX. I have called Tidewater more than ten times and emailed my request with no response.
Car repossed by SECU on XX/XX/XXXX called on XX/XX/XXXX to see whats needed to return car. Was told {$440.00} past due plus {$75.00} repossesion fee and proof of insurance. XXXX minutes later got a call from same branch saying i had to pay full amount of {$18000.00} to get car back.
I authorized State Bank and Trust of Georgia to auto-debit interest payments from my personal bank account with XXXX XXXX XXXX in Maryland. State Bank and Trust has recently been purchased by Cadence Bank , N.A . On XX/XX/19 Cadence Bank , N.A . debited through ACH {$950.00}. On XX/XX/19, State Bank and Trust debited {$950.00} from the same account. This second payment was not authorized. I contacted the bank as soon as I learned of this through a review of my financial records. This second erroneous and unauthorized debit from my account put a significant strain on my finances and required utilization of overdraft coverage with XXXX XXXX XXXX. 

My online account with Cadence Bank , N.A . confirmed a credit for {$95000.00}. There was no record or credit of the second debit of the same amount. I contact a banking representative who stated after XXXX emails that the bank was investigating. I emailed again on XX/XX/19. A response stated that I should be receiving a credit from my account. I have no credit in my account at XXXX XXXX XXXX as of this writing. 

Cadence Bank, NA has violated the terms of my ACH authorization. I have emailed twice regarding my revocation of authorization for auto-debits from my account. They refuse to acknowledge this request. 

I have placed a stop payment with XXXX XXXX XXXX for Cadence Bank and State Bank and Trust for any auto-debits. I have email a copy of a letter to this effect. 

I am requesting help should I not receive a credit, in a timely fashion, for this erroneous second debit which has cause my family significant financial hardship. They refuse to acknowledge this hardship or my desire to be invoiced directly, prior to authorizing payment, for any interest payment due on this loan.
I get several calls from this company who have some not all of my personal identification information. They claim I owe this debt and demand payment. When I ask for mailing address and/or validation, the reps offer an email. I state that I would like validation mailed, the XXXX lady said, no we will email that to you, how are you going to pay this in the meantime. I stated that she was violating the law and I was reporting the call, she laughed, and said, we do n't have to comply with the law, good luck with that.
Advertized Restaurant for Sale. Engaged with purported owner.Eventually paid 10K good faith deposit. deal cancelled after she demanded full payment without providing bill of sale for assets and equipment. No business records supplied at all and the contract provided for sale was also incorrect. She has kept money, restaurant and personal belongings housed at site.
My name is XXXX XXXX. phone number XXXX. I have a current mortgage loan with Wells Fargo Home Loans account number XXXX. I have been trying to fix multiple issues with my mortgage loan. 1. Issue is XX/XX/XXXX, I refinanced my home at XXXX XXXX XXXX, XXXX XXXX TX XXXX which my escrow account number was at the time XXXX before they transferred my escrow funds into the new account escrow number XXXX which was for XX/XX/XXXX the balance was {$2500.00} that was transferred into XXXX. XX/XX/XXXX I decided to sell my home at XXXX XXXX after speaking to a Wells Fargo rep they told me no money down. Wells Fargo never transferred my funds from escrow XXXX to my new home XXXX XXXX XXXX, XXXX, TX new account # escrow XXXX for the taxes they paid the taxes on the wrong home XX/XX/XXXX. Wells Fargo was informed due to pending sale do not pay the taxes on XX/XX/XXXX for XX/XX/XXXX taxes on XXXX XXXX from the current owner 's escrow which Wells Fargo did. I called and confirm this information with XXXX County, XXXX Tax Office and XXXX XXXX. The new home owner closed on XXXX XXXX XXXX and received her keys on XX/XX/XXXX. I moved into XXXX XXXX XXXX, XXXX, TX XXXX I paid taxes on both homes .. I did not reside in XXXX XXXX XX/XX/XXXX. I am due a refund for taxes paid to XXXX County, XXXX, and XXXX XXXX from my escrow account which was paid from my escrow account on XX/XX/XXXX paid to these businesses. Wells Fargo is giving me the run around even though I sent them proof of my escrow history and XXXX County, XXXX and XXXX XXXX state that it was Wells Fargo mistake they have to fix it. Please help. 2. Wells Fargo and I have been going back and forward with my PMI the Mitigation Specialist identified that my mortgage insurance was to high for my mortgage but she was given the run around and I was sent to various departments and this never got resolved. Wells Fargo sent me a letter stating that I maybe due a refund due to PMI being high. This was never resolved. 3. I lost my job due to workload reduction, XX/XX/XXXX I was making {$90000.00} when I purchased the home at XXXX XXXX, XXXX, TX. I have been since employed but my debt to income ratio is clearly high and my credit is poor now and I fall back on my mortgage. Also, my mortgage went from {$1000.00} to {$1500.00} in less than one year after purchase. They are telling me I owe them money. I sold my old home for {$100000.00} and I only owed $ XXXX {$85000.00} somewhere around that and I put money down on my new home about {$6000.00} plus what ever from the sale of XXXX XXXX . There was a {$4000.00} fee I questioned the title company do n't know what it was for and Wells Fargo do n't know. My agent passed away XX/XX/XXXX. I am in a forbearance and I do not want to loose my home. I work hard and I was in my last home 5 years and never missed one payment. I believe I was a victim of some type of scheme or someone not knowing what they were doing. Why do I owe so much. No one can answer my question and they say they are researching and come back with the same answer that is a note from a previous note someone else placed into your file. Please help. I want to keep my home.
Following the Equifax data breach reported XXXX XX/XX/XXXX I froze my Equifax credit report. Recently I tried to unfreeze my credit report. Eventually after multiple attempts Equifax sent me a letter dated XXXX XX/XX/XXXX stating that the freeze was lifted permanently. XX/XX/XXXX I applied for a credit card and was told that my Equifax credit report was frozen. After multiple phone calls to Equifax XXXX XXXX, including Equifax cutting off the call once, I asked to escalate to a supervisor who asked all the same questions I had just answered 3 times already. I want to report Equifax for obstructing personal financial transactions, incompetence, and complete absence of customer service. Why is any business using Equifax for credit checking when their incompetence is legendary, as evidenced by the massive data breach they did not even discover for months? If possible I will avoid dealing with any business who uses Equifax for crediting reporting instead of one of the competent alternatives.
Equifax has wiped out my identity. It states they have no history or record of my identity or of my credit history, which is impossible. I have excellent standing credit that is currently being reported by XXXX and XXXX, and a long history of excellent credit ( including credit cards, checking and savings, retirement accounts, and student loan accounts all in good standing ). I was also a casualty of Equifax 's massive data breach from XX/XX/XXXX, yet they say I do not have any record. 

I first found this error on Thursday, XX/XX/XXXXas I am applying for a mortgage to purchase my first home. I have received all three credit reports in the past ( including Equifax ), and continue to use XXXX XXXX to monitor my credit, which also shows a current Equifax credit score. But Equifax has blocked any lender from pulling my credit report, and when I have called 5 separate times betweenXX/XX/XXXX and XXXX, the representatives all say they have no record of me. This is absolutely impossible. I 've been asked to fax a copy of my driver 's license and social security card, which I have, but the fax number does not even work properly - it keeps rejecting my fax but hanging up. I have also asked the representative for the contact information of their legal department and, on the recorded line, stated they " do not have a legal department ''. I am now trying to find old copies of an Equifax report to send as well. My identify and excellent credit are well documented and confirmed, and in current standing. There is no reason for this to be occurring other than the Equifax 's own incompetence and own security related negligence.
The collection actions of Lazega and Johanson has caused my family mental and financial anguish. Back in 2014, they froze the bank account of my son XXXX XXXX, who was not listed as a debtor on the case in any regard. He was a XXXX student and the funds that they took were from Student Loans. This action alone merits that the firm be disbarred and license suspended from practicing law. The matter has not stopped there. After garnishing my spouses paycheck for a period of 6 months, they have not turned the fund collected over to the debtor to update the files ; I called to inquire about the balance and they could not provide me with accurate accounting details ; I am requesting that my files be updated with the XXXX XXXX and a detailed ledger be submitted to me to show all payments received. I am also seeking legal recourse against this company, because of the mental anguish my son experienced. He was not listed on the case and should have in any way been held liable for any thing. Their actions left him without money for food or gas while XXXX hours from home. Please assist me in resolving this matter.
Navie t is incorrectly reporting my loan as late for months now, 4 months late and I havent had a lot ab with them since XX/XX/2014. I havwas called several times. They do not claim to know anything about it.it clearly states on all my credit reports that navie this is the lender and they are clearly stating late Paynent
I have a savings account with Capital One and it's called a XXXX XXXX XXXX. I have been on the phone with them multiple times in the last week ( XX/XX/XXXX to XX/XX/XXXX )  explaining I was purchasing a house and needed to move my funds around. There was first a delay in transferring funds because I had to confirm my account. I don't understand why this is necessary considering I should be allowed to send money to any account, but I was able to transfer the money today on XX/XX/XXXX. I initiated the transfer of funds and then I received a notice that my funds were withheld and unable to be transferred. I immediately contacted the number I was supposed to contact and they told me they could not help me. I was given another phone number to speak to and I have been on hold for over 40 minutes. I feel like they are withholding my money and making it as difficult as possible to transfer it to another account.
XX/XX/2017 AROUND XXXX XXXX est. Called spoke w a XXXX after seeing item on my XXXX XXXX which is not mine bill- has been previous disputed these charge amounts before. XXXX refused to allow me to dispute stated the time has came and gone to do that and its in collections now. I told him to Cease and Desist account- he refused to do this as wel.. kept saying send it in writing ... on everything i stated. very rude. felt threatened, and that it did not matter what i had to say, asked for supervisor said I could call back no one was above him.
XX/XX/2016, Nelnet sent me a notification congratulating me that my student loans had moved to forbearance and deferment status and I was no longer required to make monthly payments. 
At the time, I did not fully understand what the emails meant, and actually thought nothing of it until I received more emails XX/XX/XXXX confirming that the payments of my student loans had been postponed. When I checked with my spouse, who advised me that perhaps it was connected to the fact that our son, XXXX, had returned to university full-time, yet she explained that my loans should not have moved to deferment/forbearance status as the loan is in my name, not our son 's. She advised me to contact Nelnet and explain that an error had occurred. Like me, she also has XXXX Direct Plus loans for XXXX, yet with XXXX XXXX. When I phoned NelNet, the agent responded saying that it was not possible to remove the deferment status, hence making it impossible to restart the automatic payment plan. He advised me that I could still make monthly payments, yet had to do so manually. 
When I updated my wife, who works in a higher education state agency, she reiterated that was incorrect information. She followed up by logging into my account and accessing the instant chat message and sending an email. The result of that action was one of my loans was taken out of deferment. XX/XX/XXXX/XX/XX/XXXX, we followed up again via phone to request an explanation for the deferment status. Finally, the second loan was moved out of deferment. In the interim, of course, compounded interest resulted before I noticed what was going on, and then during the struggle to resolve the issue. 
Coincidentally, I finally received an email response last week sent to Nelnet about the deferment issue last fall. I suspect it may have something to do with the XXXX complaints now surfacing in the news. 
XXXX XXXX
I was a customer of XXXX from XX/XX/XXXX-XX/XX/XXXX. I had a single line, with no data plan. At that time they did not give away phones or let you buy them on payment plans. There is no way that they would allow someone to be over {$600.00} past due without shutting off their service! I have also never recevied any type of correspondence from XXXX stating that I owed any money, I also have never been contacted by a collector about owing XXXX money.
Chase phone XXXX XXXX XXXX XXXX Or XXXX XXXX XXXX had no right to decrease my available credit and pull a credit reportOn me or can they periodically check? I have never had that happen to me in XXXX years, always paid them on time. They said my balance was high. So what? It 's not over the limit, from {$1500.00} avail credit and they lowered it to {$330.00}. Limit from {$8000.00} to {$6600.00}. Very very upset what are my rights? And they are so bad with my profile ca n't find any past accounts which I paid off because needed the account numbers. I have another card with them feel they will do the same. Very upset because what if there was a pending purchase before their act was done and NOW I 'm over the limit? Unbelievable ... .XXXX XXXX, 2015 XXXX consumer in Hawaii ( at the mercy of THIS creditor )
XXXX XXXX  company closed and sold my account over to Deatrick and spies in XX/XX/XXXX Ive been making monthly payments to deatrick and spies since XX/XX/XXXX. And XXXX XXXX has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact Deatrick and Spies about it. But every time i try to discuss this matter with Deatrick and Spies they tell me To contact XXXX. They have been giving me the run around about reporting these payments 90 days late for 6 months now. 
If XXXX XXXX no longer owns my debt, the late payments being reported from them need to be stopped amd removed
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX/XXXX/XXXX we submitted a short sale package with the Buyers XXXX Docs included. Ocwen has done nothing in two weeks, and are now demanding that the buyer remove the word " XXXX '' from line # XXXX of the Articles of Organization that were filed with Secretary of State - State of California on XXXX/XXXX/XXXX ( see attached XXXX docs ) - OR that we provide Corporate documents for XXXX - which is not possible, since they are not a purchaser in this short sale. 

We have already explained that XXXX is the Service of Process, and this can not be changed. 

Ocwen may not dictate who the business entity would like to use to receive service of process in case of suit. It is clear that XXXX is not a part of the buyer 's XXXX, as they are not listed in exhibit a of the Operating Agreement, nor anywhere else in the Operating Agreement. 

This is undue interference with a business entity.
When looking over my credit report, I found an account showing as reported by Commonwealth Financial Systems. It concerns a medical bill for {$1600.00} and shows as reported to my credit around XX/XX/2018. As I should have no outstanding medical debts I am fully insured I reached out to Commonwealth and informed them this was in error and asked for rectification and deletion of the account. I have yet to receive any response from Commonwealth and the account remains on my credit. I have not seen a bill or received any other justification for the debt, nor why my insurance would not have covered it, or if they were even properly billed. My disputes through the bureaus have resulted in no changes or responses, either.
This debt is not mine. First, Midland Funding LLC tried to collect I requested verification of the account, the information was not provided. Now, I received another collection letter from a different company for the same debt.