WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I started receiving calls at work from rent recovery solution about a debt from XXXX XXXX XXXX managed by XXXX XXXX. I finally spoke to them and ask them not to call me at work and gave them my phone number, they called me after that and I ask them to send me proof in the mail abouit the debt and they claimed they emailed it to XXXX but my email is XXXX. I made it very clear to them that if i dont receive detailed proof of the charges i will not discuss any payment arrangement. On XX/XX/XXXX, i receive a letter ( see attachement ) fom them finaly thinking it was the detailed list of the charges but no it was just a copy of my lease from the XXXX. The lease only proved i lived there but it does not prove i owe the debt i am being contacted about, i called them again today XX/XX/XXXX and spoke to XXXX XXXX and told her what i received in the mail only for her to tell me they sent correspondence to the above wrong email which i never got of course and said she will send me one via the post office then told me she was hanging uop on me so i called back and I asked to speak to a supervisor and one XXXX came on the phone and was very rude and told me they are not sending anything else and that she will mark my account as disputed. She also kept on insisting that i just confirmed i received the proof from them and i was very clear that i only received a copy of my mail and a cover letter stating the amount of the debt but nothing that actually tells me what iam being charged for. I am attaching the only mail i received from this compay. All i am asking is that they follow fair debt collection practices. They have already placed this debt on my credit while they have not verified it.
Credit agency reporting an account by XXXX XXXX for XXXX XXXX for {$810.00}. Account has been remove due but re-aged and added on XX/XX/XXXX without informing consumer. This is against best practices. Agency has been informed of account but still reporting as of XX/XX/XXXX. I ( Consumer ) request account to be removed from report as it is inaccurately being reported.
I notified Equifax in regards to information that is not accurate on my report. I have written to Equifax XXXX times over this issue. I was in dispute against XXXX until I received a cancellation. I did not receive an involuntary repossession, this was a disputed account.
I cancelled my chase credit card nearly 6 months ago. At least I thought I did. Turns out it was used for an online purchase I made by mistake in XXXX. The payment should have never gone through but apparently they did n't cancel the card. Anyways I did n't get any notification of the payment because the emails were going to my junk email. I was notified by XXXX XXXX yesterday (XX/XX/XXXX ) that I had a delinquent account. I paid it immediately. I attempted in the morning ( XX/XX/XXXX ) to ask Chase to remove the negative remark from my account. They informed me the federal government requires them to report negative actions according to the fair credit reporting act. I found out that was n't true. A few hours later I called them back to discuss why they had lied to me. I attempted to record the phone call and they refused to talk to me because I was recording the call. I refused to stop recording and ended the call
I changed homeowners insurance in XX/XX/XXXX/XX/XX/XXXX. The old insurance company, XXXX had already paid the annual premium and when I notified them I changed to XXXX homeowners they sent me a refund, I contacted PNC Mortgage XXXX and they instructed me to co-sign the back of the check and sent it to them. I did as instructed and sent them the check. In XXXX XXXX I get a letter from PNC mortgage company and they were instructing me to contact XXXX and have them refund the annual premium they paid and to return it to PNC. I have already done this and tried to explain it to a representative from PNC and they told me they had no way to trace the transaction and I would be charged the Approximately {$3200.00} dollars to my Escrow account. This make the XX/XX/XXXX appear to have very poor control and process in place to properly handle homeowners mortgages. I request intervention on the part of CFPB to resolve this challenge.
We have our car loan through US Bank. Every month we pay the note through Bill Pay at our bank which is XXXX. US Bank called us three weeks ago to tell us we are late. We conferenced in our bank. Our bank faxed a copy of the check they sent them which was endorsed and deposited. Three weeks later, US Bank is still dunning us even though they do note our account is being researched. Twice my bank talked with US Bank to show that the payment was received and deposited. I have a very good credit score and fear their ineptitude will mar it.
I am filing a complaint towards JP Morgan/Chase Financial Mortgage services in the XXXX California region. I believe that when buying my home, employees of this institution were in violation of TILA-RESPA Integrated Disclosure ( TRID ) based on my basic understanding of this regulation. My husband and I received multiple closing disclosures with various amounts owed to us or owed by us until the very hour we were to meet with the notary for our final signing ( we were to sign documents at XXXX on XXXX XXXX and the last email communication was at XXXX PST ). In the final documentation, pertinent information was omitted or incorrect ( e.g., it stated that we made no income in the year prior, it had another couple 's name, social security number, and other private and confidential information ). We also had no opportunity to ask questions, revise or amend these disclosures. We were threatened multiple times via conference call, text message, and email that we would not close on time should we delay this process and had been told that as this was a VA loan, they [ the VA ] required specific documentation and must meet strict timelines. Although we currently live in our new home, we are still asked to sign documents for the loan application that have missed our signatures or were not completed correctly which needed to be completed prior to closing. Further, we received multiple promises of monies owed to us that we never received in entirety. Lastly, although the vice president senior lending manager was amicable, flexible, and receptive to these grievances, managers that he deferred us to were either unavailable, condescending, or incredibly difficult to communicate with, and did not follow through with any of the stipulations that were agreed upon during our multiple email exchanges and conference calls.
On XX/XX/2016, I made a payment on my XXXX XXXX Citibank XXXX for {$2000.00} from my XXXX Checking account. The credit was applied to the credit card acct and the money was deducted from my checking account. Later the money was added back to my credit card stating that the payment was rejected by XXXX how ever the money was never returned to my checking account. Following a three way call between both banks XXXX was able to provide an ACH Fed Trace number showing that they had given the funds to Citibank on XX/XX/2016. I have requested numerous investigations by both banks and both says the other has the {$2000.00}. At this time the payment has not be applied to the account and the money has not been returned to my checking account.
I have been trying to correct the problem with Seterus, Inc. for two years. Back in 2015 around XXXX I made a payment and it was places in a suspense account. I contacted Seterus and I was told I needed to make another payment because it was placed as an over payment on the account and not towards my monthly payment. I was not willing to do so because why should I have to make double payment because your system XXXX XXXX my payments online. I have called and had people in the customer service say that they are going to look into this issue and never have. I want my late fees refunded and the amount corrected. I am tired of getting call at the end of every month saying my mortgage is late and in fact it is not!!!!!!!!!!!!!!!!!
I have had problem with my mortgage for quite a while. I applied for a modest needs help. I called seturus and asked them to fax a monthly mortgage statement to this people. I gave them the fax number. I assumed they did this. However they did not. I could have had help for one payment which really could have helped me. I had okayed a payment plan because I figured I was going to get the help. Now that they failed to follow through I have lost my chance. Now I will have to wait months again. Now I have written them to cancel my payment plan and check withdrawals. I know they will not follow my instructions so now I have to cancel my checking account. I just do not understand why they our so XXXX and can not follow directions. When is the government going to step on these injustices. Their correspondence address is located in XXXX XXXX Account XXXX is the number of account. I am totally ticked off.
A couple years back I attempted to deal with the Fed Loans for the PSLF- I was never able to " gain back '' the XXXX payments that I thought had qualified, but apparently had not. It was especially frustrating as I made financial decisions based on the information the loan companies gave me at that time. 

In XX/XX/XXXX, I had thought I had made XXXX payments, and had documentation. See attachments. My current situation- online, it looks as though I have XXXX payments completed towards PLFP ( XX/XX/XXXX ). I have documentation stating I had made XXXX payments in XX/XX/XXXX from Fedloan ( see attached ). 

I did make a phone call- and was told I made XXXX qualifying total payments and they had last years form, but not one from XX/XX/XXXX, and they had no ducumention of the XXXX payments. 

I am preparing to send a form in now. I am not contacting Fed load through their email on their site, other than to request a case number and contact through my work email, as it does not keep a record I can access- which they keep suggesting. This is important, as when I first transferred my load to them, they agreed to the higher number of payments from XXXX, was enrolled in the correct program, AND that I was on track to complete by XX/XX/XXXX. 

Overall, I have record of XXXX payments by XXXX, made in good faith in the PLSF program. Fedloan says I currently have XXXX. The current system is biased to keep loan holders in the cycle of payments, places loan holders automatically into payment plans that do not qualify and does not highlight this- example, standard payments do not qualify but directions for PLSF indicate standard is one of the options ( you need to call and ask for 10 year standard, not an option on the website and not indicating that is does not count ). 

My former complaint was dismissed, and fed loan suggested I contact XXXX. I contacted XXXX, and their statement was that when Fedload accepted the loan, they accepted the payments made through PLSF, and have no further records of my loan.
I am currently residing in XXXX but I got my driver 's license in XXXX. I used my XXXX driver 's license to verify my Account with CoinBase. CoinBase is stating that XXXX  does not support Coinbase and my account is suspended indefinitely. I was not actually in XXXX during anytime I have held an account with them. Their help page states to withdraw all currency, however, I am unable to access the option to withdraw my money. I do not have access to any of the XXXX dollars that I had invested with them. This is very distressing and any help that you can provide will be appreciated.
I was a victim of identity theft and I first noticed about a year and a half ago. I completed a full police report and submitted to Equifax months ago. Unfortunately, Equifax will not remove the items, while both XXXX and XXXX have removed all fraudulent accounts from my credit reports. I have been dealing with this fraudulent information on my credit files and re-disputing the accounts for over a year with Equifax and I would like the accounts removed so that I can go back to a normal life. At XXXX years old, I should be focusing on buying a house, getting a car, starting a family, etc. and because of this harmful and inaccurate, fraudulent information I can not do any of these things.
Equifax announced that they were a victim of a data breach on XXXX XXXX, XXXX. Do note that the breach appears to have occurred from XXXX XXXX to XXXX XXXX. Equifax is offering TrustID enrollment to me until some time in XXXX. It has also been reported that accepting the TrustID enrollment may remove your legal options towards the company. While Equifax is equally a victim, they are ultimately responsible for keeping my information safe.
Citibank has been  rearranging my transactions in order to garner the maximum number of overdraft fees. In the course of  XXXX   XXXX  -  XXXX   XXXX ,   XXXX  , I had  one ov erdraft occur with several pending debits for credit card payments that had previously been applied. I had  my two credi t cards withdraw on the same day for convenience. Early in the day  XXXX   XXXX  debite d my Citibank acco unt successfully. Later Capital One did so which resulted in an overdraft, which was my fault. Howev er Citibank then d eclined both payments to  XXXX   XXXX  and  XXXX   XXXX  and charged me an overdraft fee of {$34.00} for ea ch one, initiall y totaling {$68.00}. However  XXXX   XXXX  continued to retry the payment every  two days for a total of three ti mes, resulting in a n Citibank overd raft fee for each retry for a total of {$100.00}. I am disputing the {$100.00} in fees due to the returned  XXXX   XXXX  payments becau se Citibank declin ed the initial payment after it went through. I am not disputing the {$34.00} fee due to the  XXXX   XXXX  overdraft because that was my fault.     On  XXXX   XXXX ,   XXXX  ,  Citibank again ch arged an overdraft fee of {$34.00} after arranging purchases. I paid my phone bill on  XXXX   XXXX , and made a purchase on the  XXXX . Instead of declining the purchase, because I had signed up for overdraft protectio n, Citibank did  not post the phone payment until after the purchase on the  XXXX , then charged the overdraft fee.     These wer  e two separate instances in which Citibank manipulated my account in two different shady ways in order to extract overdraft fees totaling {$170.00} in approximately two weeks, {$130.00} of which I am contesting. These fees have only originated because Citibank created disorder in the way my charges were processed in order to charge fees.
I went to Citibank to discuss the charges. The representative listened to my complaint and began typing in   her computer. I thought she was documenting my case, but then she simply handed me a slip stating my account had been closed, so now I am contacting the CFPB.
The credit reporting agency investigated my complaint of inaccurate information on my credit report being furnished by XXXX ( XXXX ). I advised the credit reporting agency that the furnisher failed to update information that once may have been accurate but due to payment deferments and forbearances was no longer accurate. From XX/XX/2015-XX/XX/2015 XXXX has reported late payments. I provided the credit reporting agency with a copy of the approved forbearances showing the months that were reported as late as having a zero balance due. 

XXXX XXXX reported XX/XX/2015 as 90 days late but reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as on time. They then reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as each 120 days late. This reporting defies logic because how can XX/XX/2015 be 90 days late but the 90 days previous are all reported as on time payments? Additionally, how can one make a late payment for a balance that is XXXX? 

The credit reporting agency has failed to acknowledge and consider official documents provided to me directly from the furnisher, on the furnisher 's letterhead that shows there was an approved deferment/forbearance for the months that were reported late. Instead they made small modifications to my payment history which did improve my score some but still do not reflect accurate information. The FTC wrote an opinion on this matter and explained that information that was once accurate but is no longer accurate needs to be updated to reflect the current information.
Obtained free annual credit report from Transunion on XX/XX/XXXX. The high balance in the report for a credit card was {$13000.00} from XX/XX/XXXX to XX/XX/XXXX with a credit limit of {$24000.00}. That is a utilization ratio of 56 % which is WAY more than the 30 % utilization ratio recommended for good credit score! That number is nearly double the correct value of {$6000.00} for month XX/XX/XXXX which is a utilization ratio of 25 % ... under the good credit criterion of 30 %. The report itself shows the account balance for every month between XX/XX/XXXX and XX/XX/XXXX ( see attachment 1 ) with the value of {$6000.00} for XX/XX/XXXX. I filed a dispute with XXXX bank about the high balance being wrong. Their reply was that they had provided accurate monthly data to Transunion and had no control over how Transunion stored and used the data. I then filed a dispute with Transunion about the high balance being wrong. Their revised report still had the value of {$13000.00} BUT also removed all the monthly balances which demonstrated that the {$13000.00} was wrong. I then refiled the dispute. The reply to the refiling was " VERIFIED AS ACCURATE ''. Attachment 2 shows the report dated XX/XX/XXXX shows the incorrect {$13000.00} with NO monthly balances to show the value is wrong ( see attachment 2 )
Mynhome was approved for a short sale in XX/XX/XXXX When it came time to close and finalize the process, I couldn't close because I hadn't found a job nor a place to live yet. The buyers on the deal backed out as they didn't want to wait anymore. Immediately following word that the short sale fell through XXXX XXXX XXXX began foreclosure proceedings on my home. In the meantime they also mailed me a letter offering me a deed in lieu of foreclosure process that was valid for a period of 60 days. The date on that offer was late XX/XX/ but I didn't receive until early XXXX. 60 days to decide if I want to do a deed in lieu would run me to lateXX/XX/XXXX However I subsequently received an foreclosure sale date notice dated For right in the middle of those 60 days they offered me. That is not fair to do to someone. My home is currently under agreement again with new buyers and my Attorney has submitted all the paperwork for the short sale to be approved to XXXX XXXX XXXX. We have not received a response yet. We have asked that the sale date be postponed in lieu of the pending sale. My Attorney nor I have received word on if the sale date is going to be postponed or not. Please intervene and do something to help. I have since found full time employment and can close on this deal. Thank you.
At present Navient shows that I have ( 2 ) closed loans, dated XX/XX/XXXX, that are in a " Derogatory '' status, which is directly affecting my credit score and ability to secure loans, rent a house, etc..and has been for 15 years. The ( 2 ) loans affiliated with Navient were transfered/sold to XXXX in XX/XX/XXXX, and have been, and are in " good '' standing. The reference to the ( 2 ) Navient loans in XXXX, XXXX and XXXX are over " 15 '' years old and incorrectly showing a " Derogatory '' status. I have requested Navient to update and/or remove this information all together, in writting as requested on numerous occasions. Providing all the neccesary references and IDs. I have even sent ( 2 ) sets of certified letters to Navient asking the same, and have received no responses. Navient is affecting every aspect of my life by misleading credit lendors that I have a derogetory loan with them, when I do not. This has affected 15 years of my life, and needs to be updated now.
the " loan '' was induced by fraud. As there was not full disclosure to the material fact ( s ), In order for any contract to be valid, there must be 'full disclosure ', 'good faith ', 'valuable consideration ', and 'clean hands '. Which amounts to ; 18 U.S. Code 656 - Theft, embezzlement, or misapplication by bank officer or employee. 

1 ). I was not told that the Federal Reserve Policies and Procedures and the Generally Accepted Accounting Principles ( GAAP ) requirements imposed upon all Federally-insured ( FDIC ) banks in Title 12 of the United States Code, section 1831n ( a ), PROHIBIT them from lending their own money from their own assets, or from other depositors? The bank did not tell me where the money for the loan was coming from. 

2 ). I was not told that the contract I signed ( promissory note ) was going to be converted into a 'negotiable instrument ' by the bank and become an asset on the bank 's accounting books. Further the bank DID NOT tell me that my signature on that note made it 'money, ' according to the Uniform Commercial Code ( UCC ), sections 1-201 ( 24 ) and 3-104. 

3 ). I was not told that my promissory note ( money ) would be taken, recorded as an asset of the bank, and be sold by the bank for cash - without 'valuable consideration ' given to obtain my note. The bank did not give me a deposit slip as a receipt for the money I gave them, just as the bank would normally provide when one makes a deposit to the bank. 

4 ). I was not informed that the bank would create an account at the bank that would contain this money that I created by endorsing the promissory note. 

5 ). I further was not informed of the material fact that a check from this account would be issued with my signature, ( 10 U.S. Code 923 - Art. 123. Forgery ), and that this account would be the SOURCE of the funds securing the check that was misrepresented to me as a " loan. '' 6 ). Money is created on deposit, where the amount of the initial deposit is hypothecated XXXX in what is called " money multiplier. '' 7 ). " Fraud destroys the validity of everything into which it enters, '' XXXX v. XXXX, XXXX.
This company has called me repeatedly and is now calling any number that was associated to me including my parents. I do n't even have a debt with them - I did have my identity compromised lately due to a data breach and strange things have been happening since then.
My mortgage was sold to Bayview Loan Servicing from XXXX XXXX. Everything regarding my loan remained the same ( payment, etc. ). I made XXXX payments of my original amount to Bayview for the months of XXXX and XXXX 2015. In XX/XX/XXXX, my payment increased from XXXX to XXXX. I was told this was because they added escrow. When I was with XXXX XXXX, I did not pay escrow because we were responsible for our own taxes and insurance. Bayview paid the escrow on my property and that is why my payment went up. I called and was instructed by them to send them a letter stating that we were responsible for escrow payments and they would restore my payment to its original amount. We paid {$1500.00} for our mortgage in XX/XX/XXXX because it was the end of the month. I mailed a certified letter to Bayview regarding my escrow and taxes and was told that it would take XXXX days to process. When I called after the XXXX day, I was told that it would take XXXX days, so my payment would go back to its original amount on XXXX XXXX. I was also told that they had received my paperwork. It is now XXXX XXXX. I called Bayview to make my payment ( late fees were waived ). The payment has not changed. We are now being informed that they will not remove the escrow because we were a day late paying our taxes. Bayview is not abiding by the original terms of my loan. I do n't understand this. We have not been delinquent in paying our taxes or our insurance. My mortgage payment has now doubled which is putting me and my family in a financial hardship. All we are asking is that our payment return to the original amount. We have the funds to pay Bayview back for the escrow that they paid. We had it the whole time. We need your assistance immediately!!!! Thank you. I was just informed that their systems went down and that I could no longer speak to anyone there. I would have to call back and speak to someone else. I have explained this situation to so many people over and over again.