WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, I paid in full the FHA mortgage loan began with M & T Bank on XXXX XXXX using the amount of payoff given to me verbally. Within an hour ( EST ), I sent my check via US Priority Mail ( tracking number XXXX XXXX ) signed by one of their officers. The check # XXXX for {$160000.00} was drawn on XXXX and it was received and signed for. A week later after questioning the process, a bank representative transferred my call to another officer for clarity. I learned then that they had not posted my payment as final for it did not arrive at their office. I sent the check to M & T Bank, XXXX. MD. XXXX. A day later an officer returned my call stating that the check did come but the amount quoted was n't accurate and they now wanted to take this ( mysterious amount ) from the overage in the escrow account which then had {$870.00}. Without knowing whether this was legal, or right, I sought the advice of a lawyer who called on my behalf -only- to get the " run around ''. He suggested that they probably were wrong and to make a formal complaint as a consumer to your office. To date, I have three different letters from three different offices requesting more money -adding interest- as though the cashier 's check -had not arrived timely and the full amount of the payoff was incorrect. I used the figure quoted through XXXX XXXX, XXXX in the amount of {$160000.00}. For your records, I have a copy of the Priority mail express receipt showing that the letter would arrive by XXXX of XXXX XXXX, XXXX. My question to you is this, why if I paid the full amount quoted to me that would close the mortgage loan in full as stated, would this bank recompile another figure and take it from my accumulated escrow balance. And if this is an FHA loan, should they be allowed to dupe the consumer in this way? Such dishonest? 
I do not have the where-withal to attach the official check, the priority mail receipt, the four letter stating the balance on the closing day of XXXX XXXX if XXXX with Interest through XXXX XXXX, XXXX calculated at XXXX, pro rats MIP of XXXX and recording fees of XXXX total amount to pay off loan in full ... .. XXXX. The letter then said, the current escrow balance is : XXXX. 
The following clause : An additional month of interest is due if payoff funds are received after the first business day of the month, all figures are SUBJECT TO CHANGE. This statement expires on the last business day of the month. Figures must be updated after that date. In addition, figures will be adjusted if any transactions such as escrow advance, payment reversal, or fee assessment take place ....
Seterus, Inc. has had my loan for the past two years. They have not XXXX treated me like I was a valued customer, just another number, a nuisance, gave me only the information that I could think to ask for at the time, and never let me speak to management when I was dissatisfied. They treat me like a XXXX citizen, payoff requests take two weeks, and I have been trying to refinance since XXXX of 2014. They did not disclose that I showed delinquency, which delayed my refinance, they made it impossible for me to get a simple process completed without jumping through hoop after hoop.
The balance on my XXXX XXXX account is XXXX I believe. This card was used on XXXX to make several purchases using my XXXX account without my consent. The total of which is around 1200.The persons who used the account without my permission/consent were paying me for said charges, however, they have recently moved out and payments stopped.. I attempted to request a settlement offer, however, I was told there is not one available. I've paid off the account minus the fraud charges which the total is a rough estimate as I do not have my full XXXX order history available to me at this time. If Synchrony Bank is willing to adjust account to XXXX or accept a settlement offer for less that what is owed that is considered reasonable with said fraud charges.
I have sent in several documents from the IRS proving my innocence. Experian is only saying they will not look at any information unless it is a super specific verbiage from a court. The IRS has told me several of the documents would clear my name, as the other XXXX agencies have already done, and that if they do not accept this last XXXX, they can take legal action against them. This, along with the other XXXX forms, completely prove that this lien is solely my grandmothers and I have no association with it. They denied this paper this morning.
Billing error corrected XXXX, 2016. I have {$0.00} balance. Rash Curtis & Associates knows this when I demanded proof of debt in XXXX XXXX, 2016. 

I just received a new letter ( XXXX/XXXX/2016 ) with new account number for the SAME DEBT that was disputed 6 months ago. 

THIS IS FRAUD AND HARASSMENT I am sick, sick and tired of this lethargy. I am seeking legal advice.
Northland Group Inc. has continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
I opened up a PNC checking account that had a {$400.00} bonus promotion if certain criteria was met. 
Virtual Wallet with Performance Select : Earn a {$400.00} bonus when you do the following : Open a new Virtual Wallet with Performance Select Establish a qualifying direct deposit of {$5000.00} to your new account Make at least one payment with PNC Online Bill Pay On XXXX XXXX, XXXX I made a direct deposit of {$2000.00}, on XXXX XXXX, XXXX {$5000.00} which was followed by a XXXX XXXX, XXXX {$10.00} bill pay. I waited the prescribed amount of time and proceeded to call PNC customer service and inquire about my {$400.00}. The customer service representative told me I did not qualify for the bonus. I told them I wanted to close my account and the csr told me I would get charged a fee for early account closure for not being open 6 months. I then waited until XX/XX/XXXX and proceeded to close my account. I 'm not happy that I did what other people did to receive the bonus which is the reason I want to file a complaint.
My leased vehicle was involved in an accident and insurance company stated it was a total loss. The accident occurred within one week of turning in the vehicle at the end of the lease. The insurance company paid the finance company {$20000.00}. for the loss however per the lease agreement the payoff of the vehicle is {$19000.00}. It was explained to me that the finance company would refund the overage of payment however I was only refunded the last months payment, {$310.00}. When I contacted the finance company about the refund of the difference I was told that since they are the owner of the vehicle they get to keep any overage. I exclaimed that since the accident happened at the end of the lease I should have had the option to purchase the vehicle at the agreed price in the contract or the difference should have been refunded to me. Attached is the original lease agreement that should the predetermined purchase price and the insurance documents that shows the payout amount.
XX/XX/XXXX and  XXXX  I earned  XXXX  with shift gig ( an app that schedules jobs at the convention centers for people like me ) I called pay pal around  XX/XX/XXXX  and asked for my account number/routing number for my existing account and she gave it to me ( it ended up being an incorrect acct number.
See Email Attachment but below is what  XXXX  sent to me before he started denying that I called and that paypal gave me an incorrect account number.
incorrect acct number  XXXX  correct account number  XXXX  {$140.00} See attached Email conversation for the details but this is the first letter  XXXX  sent to me..
Dear  XXXX , Thank you for contacting the office of President   XXXX   XXXX  . I am part of the Corporate Response Team and I will be assisting you with your concern.
I understand you have concerns regarding on your Netspend card account.
Although I have been unable to reach you, I wanted to apologize for the wrong information given to you about your deposit. We will address the agent involved. Due to your deposit posting on another account, you will need to contact the originator.
If you have additional questions or concerns, please do not hesitate to contact me at the phone number below.
Thank you,   XXXX   XXXX   Sr. Analyst, Customer Experience Netspend, a  XXXX  Company   XXXX   , TX Office :   XXXX   netspend.com
Recently I received a credit card in the mail from Union Bank. I have my personal and business accounts with Union Bank. I never authorized nor requested a credit card. When I called them to say I wanted the account closed and requested they code it as opened in error, they told me the card was issued as a result of a recent merger. This makes no sense to me. This was not an offer to obtain a new card. This was a new credit card opened that showed up on my credit report and was not authorized. In light of the recent XXXX XXXX sales practice I am wondering if Union Bank is acting in a similar manner.
My XXXX year old son started his first job at XXXX. When he came home from his orientation, he told me that " people from the bank were there and signed him up for an account. '' I was alarmed because he does n't know anything about banking and needs to be guided by an adult in opening and managing an account. Upon reviewing the paperwork, sure enough a Wells Fargo representative signed him and many others up for a checking, savings and visa debit card account with overdraft protection. Upon reviewing Wells Fargo 's website for accounts, teens are not authorized to open an account without a parent co-signer. I went into the Wells Fargo bank where the rep works that signed my son up, and asked them if my son could open an account on his own at XXXX and they said " no not without a parent co-signer. '' I explained that my son was signed up via a XXXX orientation and the rep told me that they routinely partner with XXXX to sign people up for accounts during orientation. I demanded an answer as to how someone opened XXXX accounts and a visa debt card with overdraft protection to a minor who does not know the first thing about opening a bank account, they responded that " their must have been a misunderstanding. '' I am concerned that this expoitation is likely happening to many many other teens who 's parents may not be aware, or may not speak or read XXXX ( in Texas this is very common ).
XXXX XXXX IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.
I bought Lexus GS 350 car from a Lexus dealership in XXXX MD in XX/XX/XXXX. At the time of the purchase the dealership also sold me GAP insurance policy issued by Toyota Financial Services at a cost of around {$700.00}. This vehicle was involved in an accident on XXXX XXXX, XXXX and as a result it was declared a total loss. XXXX, the insurance company, paid {$40000.00}, a part of which was paid directly to XXXX Bank to settle the outstanding loan against the vehicle. Between XXXX XXXX and XXXX XXXX I wrote XXXX letters to " Toyota Financial Services XXXX XXXX XXXX, XXXX XXXX, IA XXXX '' to cancel the GAP policy and make a prorated refund because the vehicle is no longer in service. Each time they responded that since you have not furnished all the information, your claim can not be settled. This is wrong because they have been given all the information and documentation more than once. I am repeating all the information here for your ready reference : Toyota GAP Agreement Number XXXX VIN # XXXX XXXX Loan Amount {$51000.00} XXXX outstanding loan paid by XXXX {$17000.00} ( The rest was paid by me ) There is no other information needed by XXXX to settle my claim, yet they refuse to take any action. 
It is my contention that the GAP policy sold to me by Toyota Financial Services was an act of Financial FRAUD. They had no intention of paying anything if the vehicle in question met with an accident. Toyota behavior is in stark contrast to XXXX which processed my claim within days of the accident. I want CFPB 's help in recovering the cost I paid for this GAP insurance coverage. Also I want the bureau to investigate Toyota for selling a fraudulent product to the consumers. Thanks.
My data has been compromised through the Equifax Security Breach. This release of information will results in life long issues for me that may compromise my financial security. To date Equifax has not made any attempt to contact me or relay the information.
NCC is calling my home and leaving messages over many months to collect a debt not owed by me or any of household members. I contacted them many times but they keep bothering me and leave voicemails for person who is not a member of my household. They fill up my voicemail with message and call with different names, location and fake caller ids.
In XX/XX/XXXX my husband and I opened up a Discover credit card..we were never late until our infant daughter passed and we had many unexpected bills to come up. This account got a few months behind and was charged off. However in XX/XX/XXXX the account was paid less then full but {$400.00} ( we owed I think XXXX ). However, DISCOVER are STILL REPORTING IT as past due/late EVERYMONTH even though the amount was " settled for less then amount ''. They have really jacked my credit up for YEARS NOW and we had NO CLUE until recently when trying to refi our house we were told about it! I could not believe this! I do have a letter stating where it was paid in exchange for the lesser amount! I also have the offer letter then sent me as well BUT THEY ARE ILLEGALLY REPORTING STILL that its still " late '' every single month and have done so since XX/XX/XXXX!!! FOR 6 YEARS!!!
This is regarding an item included in move-out charges from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX when I vacated the property on XX/XX/2015. 

Item in question is a charge for changing the carpet. When I left the apartment, the carpets in all rooms were in a normal condition without any visible damage. I lived in the apartment for one year and there was minimal usage. I contested the charge with XXXX XXXX   and asked them to prove the damage in the court. Instead of contacting me, they hired a collection agency " National Credit Systems , Inc., XXXX. XXXX XXXX, XXXX, GA XXXX '' and reported disputed transaction to all three major credit bureau. I noticed this when my credit report was pulled for a loan. I feel that reporting a disputed transaction to the credit bureaus is against the rules of the Fair Credit Reporting Act ( FCRA ).
I obtained a secured credit card fro m First Progress Card i n  XXXX  of  XXXX . I kept it until  XXXX  of  XXXX . I called to close the account and the rep stated all I needed to pay is {$40.00} and I would not owe any other money and the account would be closed in good standing with no additional monies due because my security deposit would take care of the rest of the balance on the account. Now they keep billing me fees that I do n't owe. and have even gone as far reporting a charge off on my credit report. It is very difficult to reach someone on the phone with this company.     I have complained to each of the  XXXX  bureaus on this matter.
I need to get a fraud alert -- that had been placed on my credit file by   XXXX   4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 wee ks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my  XXXX  credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.   XXXX   XXXX   gave me the phone number to contact   XXXX   to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit report  ( not make any edits/remove fraud alert ). I called 3  other   XXXX   phone numbers -- all went to automated systems with no option to speak with an   XXXX    representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for  XXXX . I would like to get this  XXXX  fraud alert removed so that  XXXX   XXXX  can process my credit card application.
I discovered after applying for credit that a company named Allied had put information on my credit of a bad debt. I had not heard of this company and called them to inquire. They stated that I owed money on s student loan that they acquired. I assured them that my student loans had long been paid in full. They then stated that I had co signed a little an. After much discussion I agreed to pay XXXX due to XXXX ncern over my credit while they agreed to send me proof of my signature on the said loan. I never received documents and they took 0ver {$1500.00} put out of my account. I tried multiple times to contact them and they would not return my calls. Finally I had to go to my bank and change account information. This all began in XX/XX/2017 and they have yet to resolve this issue. XXXX thinks that this is a fraud issue and had instructed my to contact Law Enforcement as well as your agency. They have placed an alert on my credit report because there are also a fradulsnt address and name on my report which may be associated with this account and company.
I had a loan with Bank of America for roughly {$1600.00} a month, then experienced I a job loss due to the economy. I applied for remodification and became employed again during this application process. BOA kept stating that the documentation that I was sending was out of date range or that they did n't receive it or that it came through but was legible. Basically they were stalling the remodification process. My boss even got on the phone with them at one point because he saw what they were doing and said he witnessed the paperwork being sent on multiple occasions. Later I read in the news that during a lawsuit it was discovered that workers testified that they were told purposely do that to customers to increase total amount due. Well I got my Senator involved and the loan got transferred to XXXX and was modified to {$1300.00}. I was told if all payment were made that the loan would be permanently modify. Well not long after I completed all the payments BOA took the loan back and said that XXXX miscalculated the payment and that the taxes were thousands of dollars behind. They gave me two options : pay the money in one lump sum or have it added onto payment. I did n't have that kind of money so I picked the second option. BOA then increased my payment to {$1700.00} a month which is more than the original payment ( {$1600.00} ) amount that I needed modified. Not really much of an option. I called them ( boa ) and they said there was nothing they could do about it and the blame belongs to XXXX. This is not right to do to me. Now they ( boa ) have given the loan to XXXX who is about to put me into active foreclose because I could n't make that new high payment of {$1700.00}.
I find fraudulent charges on my Discover card on XX/XX/XXXX statement for {$220.00} XXXX Immediate reported to Discover and request to cancel my card. Because I was only getting online statements not a paper I have very difficult to understand spend many hours frustrate request for a paper. I call to pay my total balance over the phone of {$1300.00} except the fraud of {$220.00}. After this, I expected XXXX balance. On XX/XX/XXXX realize my card still active charge {$850.00} which I paid. I was waiting for my XXXX  balance. Finally, I receive my new card but I not activated in till my XXXX balance to use. Instead on XX/XX/XXXX, I receive a letter from Discover reversed the {$220.00} charges in favor of XXXX because they shipped something to my address on my X-husband name. He does not live in this house since XX/XX/XXXX and any mail in his name I not open is a place he picks his mail. I keep calling Discover over and over instead of helping me frustrated me telling me the I have to pay for this fraud? Now the amount of {$220.00} up to {$270.00}. from interest late fees. On XX/XX/XXXX, I receive a statement of {$580.00}?? double the charges. Is been impossible to deal with Discover and 2 different complains cfpb but after Discover answer to the complaint, you close my case with no help. Please help me with this nightmare give me a chance to prove my case.
The XXXX XXXX card was opened last year XX/XX/2017, i am not making enough money to pay them at once or more than {$100.00} a month, they are saying that they will file a law suit against me, please help
I recently looked into buying a car and was told by the salesman, XXXX XXXX at XXXX XXXX XXXX in XXXX, AL that it would NOT have an effect on my credit score. I had told him that I was trying to buy a house. Prior to the time of the 9+ credit inquiries, my credit score was at a XXXX. Typical cheesy XXXX car salesman, right! He also told me that it wouldn't count as a hard inquiry.
I was a victim of identity theft and noticed a collection from Calvary portfolio. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Calvary in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you