WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Home Equity Line of Credit which was extended by XXXX XXXX XXXX. XXXX XXXX XXXX collected my payments in behalf of XXXX. My loan was sold to XXXX Bank XXXX, as Trustee for XXXX Mortgage Loan XXXX ( XXXX Bank XXXX ) and my payments are being collected by Shellpoint Mortgage Servicing in behalf of XXXX Bank XXXX. The servicing was transferred from XXXX to Shellpoint in XXXX 2016. My loan is on automatic draft from my checking account. In XXXX Shellpoint drafted {$3000.00} when the payment should have been approximately {$2700.00}. In XXXX Shellpoint drafted {$2200.00} when it should have been approximately {$2700.00}. In XXXX they drafted {$1000.00} when it should have been approximately {$2700.00}. In XXXX they have scheduled a payment of {$700.00} when it should be approximately {$2700.00}. They are not collecting my payments as set out in my note. I have a great concern that they are going to draft a lump sum of approximately {$6500.00} to correct their error. I spoke with their representative who told me this is a " known problem '' and my loan should be " re-calibrated '' within XXXX to 6 months. 
Based on what they have collected, {$6900.00}, and what they should have collected, {$10000.00}, they will have to collect a lump sum payment of approximately {$3800.00} plus a regular payment of {$2700.00} which would result in drafting approximately {$6500.00} which will created a serious hardship for me. If this continues as it is now, the lump sum will be much higher. 
I am certainly not the only customer of Shellpoint that is going to have this problem. They should be sanctioned and fined for their unacceptable business practices and should not be allowed to draft more than what the correct payment should be going forward.
To Whom It May Concern, To say I have been patient and tried to work this out through your normal customer service channels would be an understatement. A little background on my situation is I received credit back from purchases from a few stores and this caused my account to have a credit balance on it. Since I was no longer using this card for daily use, I requested Discover to send the excess balance to my checking account. I was quoted a turnaround of about 5-7 business days. That was on XX/XX/XXXX. It is now XX/XX/XXXX, a full 10 business days from the original request, and I am no closer to receiving what is rightfully mine!

I have been chatting with multiple customer service representatives, but the only response I get is to wait longer. I can not wait any longer because I needed these funds to pay my bills! It is absurd that you can take my money same day but can not give me the money back in a timely manner. I am past my point of patience and need this resolved immediately! This is a clearly violation of my rights as a consumer and feels very similar to unfair and/or deceptive business practices! Discover is taking away my right to use the funds that are rightfully mine in a timely manner and this is unacceptable.
Experian is still listing an account that is past the 7 year reporting period. 
XXXX/XXXX. Account number XXXX. This account has been deleted from XXXX and XXXX. Experian is the ONLY credit bureau that is still listing this account.
This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on Hurricane Irma, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. XXXX XXXX is showing last payment of XXXX, XXXX and Equifax is showing XXXX, XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with XXXX via XXXX XXXX, which XXXX never replied to.
Attn : XXXX XXXX, XXXX XXXX and XXXX Please see attached supporting documents. National credit systems INC has falsely accused me of debt that does not belong to me. An application of a lease does not legally bind one responsible for debt unless a legal lease was issued and signed between lesser and lessee. 
XXXX properties can not produce an official copy alleged lease because XXXX properties never legally issued a lease agreement in my name. 
Falsely stating there is a judgment against me is a complete lie. If the judgment was issued for my alleged lease the Lessor would have contacted me year and a half ago. It will also be reported to the credit bureaus. 
This company purchased my old records to use Poor unregulated tactics to have me given in to their fraudulent debt. This company has over XXXX complaints on Better Business Bureau with additional XXXX complaints within the last 12 months, and terrible reviews on XXXX. 
The only person I will allow legal communication with is XXXX XXXX, XXXX XXXX the department managers and XXXX the department supervisor to notify me via phone or by mail to let me know the collection account has been removed from both credit bureaus. 

This error has affected my financial health tremendously. I have an active investigating with the credit bureaus and also with my local police department. 
XXXX XXXX from XXXX XXXX XXXX does not have the legal right to contact me via phone, email or by mail after receiving this notice. 

If National credit systems INC does not remove their collection error off Equifax within 30 days from receiving this letter. My attorney will then being the legal process to rightful sue this company for fraud, defamation, legal fees and emotional stress. 


Thank you, R L
I researched the American Express Blue Cash Preferred Card and everywhere I checked it is advertised as {$0.00} fee for the first year and then {$95.00} after that. I signed up for the card and Amex billed me for this and is refusing to honor this because they are saying I did n't apply for that offer. That is the primary reason I signed up for the card.
Tried on several attempts to get the company to verify the debt but no response according to the FCRA it gives the company 30 days to respond. I have not gotten a response.
My wife and I went on a cruise to XXXX XXXX. We went into a retail jewelry store. We saw a XXXX XXXX White Gold Diamond Pendant. We told the sales people that my wife wanted a XXXX XXXX Yellow Gold Diamond Pendant. The sales people told us that they can make the White Gold Pendant Yellow Gold. We agreed. The sales man took the Pendant out of his store to another location. Almost XXXX hour later, he came back with a Yellow Gold Pendant. My wife and I were in a rush to get back to our ship and quickly inspected the Pendant. We did not know it at that time but the center diamond is damaged. When we got home to Florida, we took the Pendant to our personal jeweler for further inspection and appraisal. Our personal jeweler inspected the Pendant through a XXXX and discovered a compression crack in the center diamond and he refused to appraise the pendant because if it. I called the jeweler in XXXX XXXX. I explained my situation. I was told that " XXXX '' was not in the store, that they would give him my message and that he would call me back. He never did. For almost two weeks, I called and asked for " XXXX ''. " XXXX '' was never available. The last time that I called the store, I threatened to initiate a dispute and arbitration with my credit card company. " XXXX '' called me back. He is denying that the Pendant is damaged. He wanted me to mail it back to him at my expense. I refused to mail it back to him at my expense. I was afraid that I would not get it back. I then initiated a dispute and arbitration against him with Bank of America. After all of my proof, a second opinion letter from my personal jeweler in Florida, and pages and pages of our rebuttals to this jewelers response to this dispute and arbitration, Bank of America is refusing to help us anymore. They 've rebilled my credit card for the full amount of the purchase. My wife and I are literally stuck with a damaged Pendant.
We obtained oven repairs from XXXX. The repairman quoted us a price that included a 20 % discount on the service that resulted from the purchase of a service contract. We paid for the parts on the original visit. When the parts came in a service man came out and finished the install. At that time the service man was unable to figure out why the discount was n't applying and took the check for the balance on the account based on our original receipt. I contacted XXXX many times over the next several months and in XX/XX/XXXX spoke with a representative that understood that the twenty percent discount had not been applied. He informed me that he would send over a letter to the collection department so that they would n't continue to bill us. I continued to receive bills and have mailed back all the receipts and information. XXXX home service had no contact information to resolve the billing dispute other than a mailing address to which i sent all information regarding the matter without getting verification of resolution.
On XX/XX/2016 spoke to the compliance officer about being charged excess fees. He assured me that they could not refund my and he did not know when the investigation would end. So, in order for me not incur any more overdraft fees. I stopped payment on XXXX accounts. A stop payment fee was applied and they deducted also XXXX dollars for the stop payment. The bank did not stop the payment nor did the refund my fee.
I attended XXXX University between XX/XX/XXXX and XX/XX/XXXX to earn my XXXX and a XXXX. To finance my education, I paid with a mix of federal and private loans, as well as my personal finances. My private loans were issued through Wells Fargo Bank ( although I had come to Wells Fargo through XXXX ). After applying for my loans, I never received any correspondence from Wells Fargo. I was given no account information to view my loans online, and even when I tried to track this information down online by entering other personal information, like Social Security number, birthdate, first and last name, their online system could not link me to any account ( which I find odd considering almost every other banking institution can retrieve your account information from your personal information filled out in your account applications ). 

Having never taken out student loans previously, I was not completely understanding of how the process worked. Since my loans were then issued and distributed through XXXX University 's financial aid office, I did n't suspect any issues or negligence on the part of the bank. 

My loans will soon fall out of their grace period next month, and after having still not been contacted by Wells Fargo, I called to find out any information. In speaking with several loan service officers, I learned I DO in fact have an account number, which had never been given to me through any correspondence. I learned my mailing address had been incorrectly recorded in their system, and so I had never received any snail-mail correspondence that would have provided information to access my online account. 

I was never emailed nor mailed ANY statements notifying me of quarterly interest payments, which I could have been making ( and DID make on my federal loans ) during school. 

I have now accrued nearly {$10000.00} in interest that I was never notified of, and the bank accepts culpability for mailing loan disclosure agreements to the wrong address and for also failing to EVER correspond with me through email so that I could access my online account. 

I understand from the XXXX XXXX XXXX 's XX/XX/XXXX article ( XXXX ) that Wells Fargo has been under investigation by the CFPB, so I am submitting my case to help further this investigation. 

If the bank will not allow me the opportunity to make retroactive payments on the interest that I was given no written ( or otherwise ) notice of, I do plan to take legal action.
I did a loan on my car with TFC. I gave them a check in XXXX to pay my registration and send me the tags. I was to get a credit of {$200.00} off my first payment as well due to me pointing out some hings on the internet about them. This came from the owner XXXX. I did not make any payments since I never got my tags nor coupon book not even the email confirming the credit. Then was getting calls that my car payments were late. I explained to several people over the phone the situation and all they wanted was the money. I finally got my tags in XXXX along with the credit on the XXXX of XXXX. By that time they repossessed my car. This was just fraudulent and I do not believe they intended to do anything but get the car. Once they took the car, I was never informed of where it was to get any personal belongings, never told if sold or not, all communication basically stopped shortly after. I requested several times to go and get my things and also pointed out when am I going to get notice of 10 days prior to the sale and received nothing in return. Also one day the repossession fees are {$400.00} and then the next {$500.00}. How do they go up and I was told that the state only allows {$220.00} as well. In the contract you see my signature on one page and that is it. I do not recall if I signed more pages but I am sending the contract to show. On the check I gave them for the tags, the number came from them. On the registration, there is no late fees showing due yet they say I owed more and that was part of the problem. I was not going to pay more money to them just because they say I owed more when the number came from them.
GAP 's credit card company opened a collections claim against me and put it on my credit report. I have contacted them, and they removed the late fee on my account and I have sense made payment on my account. The delayed payment was an actual mistake the {$75.00} taken from my account was on a closed account and I contacted Gap Credit representative and told them about it and made a payment of {$75.00} soon after. Additionally, the company decided to lower my credit from {$1200.00} to {$250.00} without any warning for no reason at all, this impacted my credit score drastically. The new management of Gap Credit Card needs to do better, they have made poor decisions and it has negatively impacted my credit. I would like them to remove the delinquent payment of my credit report with FICO, XXXX, and XXXX. I would like them to restore my credit limit to {$1200.00} without negatively charging on my account.
Ohio XXXX XXXX contract Portfolio Recovery Associates , LLC to collect a debt which is not owed.
Equifax was incredibly careless with their sensitive customer data and now that they 've been hacked, some unknown group of criminals has access to my personal and private information. I was not even notified until I saw it on the news. This is unacceptable.
There is a bankruptcy reported on my credit report in XX/XX/2016 that has a XXXX  balance and no additional information. I have disputed this item with all three bureaus who claim they verified the existence of the account with the courts. I contacted the courts and they confirmed that they could not have done such because they do not respond to such request, which means it should have been removed.
we got a telephone call from a company that pays of your credit card debt, it was a XXXX XXXX XXXX card .once account is paid off its closed. Now ARA INc bought the account which is eight years old and they are trying to collect on something that is paid off, a XXXX XXXX is trying to collect on old accounts that are closed, I dont want this man doing to other people what he is trying to do to us thank you XXXX XXXX
I was reviewing the outcome from EXPERIAN about a complaint issue with   XXXX   XXXX   #  XXXX ****,  XXXX *** There are several errors on my report. I am requesting a PROOF OF CLAIM or SIGNATURE. Be advised that their claims are disputed as well as the method of validation for this previously disputed account from which nothing was provided to me in writing.   XXXX   has already deleted these issues see attachments proof of claim of the disputed debt is requested in accordance with the HIPPA Act laws. I have absolutely no documentation or nothing in writing any type of proof that I can verify any claims against my legal person. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed.   XXXX   XXXX   days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to please produce a CONTRACT!
I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
I 've become aware that Ford Motor Credit is reporting an outstanding balance that I know to be incorrect. I have disputed this account record but they have verified to the credit bureaus that the information is 100 % accurate. Not so. I requested an itemized bill showing how the sum of the charges added up to what they 're saying I owe. Reporting an incorrect balance to the credit bureaus is a FCRA violation. I 'm requesting your assistance in helping me get this company to correct my credit reports.
I have a credit card from Wells Fargo- {$800.00} limit. I transferred {$1200.00} to it from my checking account-XX/XX/2015 so as to use it for a transaction but the extra money was not showing after all. I called the bank XX/XX/2015 to transfer the {$1200.00} back to my checking, I was told that the money will show in my checking account the next day ; I waited till the next day as was told but the money was n't in my checking account so I called again that day-XX/XX/2015, I was told that they will take care of it. On Monday the following week-XX/XX/2015, I went to a shop and my credit card was denied so I came back home and checked my accounts, I did not see the {$1200.00} that was supposed to be transferred back to my checking account and my credit card had been closed. I called them and they said they transferred the money back to my checking account XXXX mistakenly and this threw the credit card account over the limit and my credit card account was closed, the reason being that I went over the limit because the bank made a mistake and transferred {$1200.00} XXXX times back to my checking account instead of XXXX. I called the bank, they told me that they will reopen the credit card account and also request from the credit rating companies to nil of this incident from my credit history. To my surprise, I called this morning, I was told that it was my fault that they transferred {$1200.00} back XXXX into my checking account ; they said because I called XXXX and requested for the transferred back to my checking account and that they did that. 
I am feeling this complaint because I feel cheated out, embarrassed at the shop and felt like this is discriminatory. 
It was not my fault that a bank will make a double transfer when I was told that I was supposed to see the money in my account the next day and when I did not see it, I called back. The transfers did not show on my checking account until the next day-XX/XX/2015, so as at XX/XX/2015, I had no knowledge that such transfers were made. 
It is all the bank 's mistake.
I lost my job in XXXX and my husband and I filed for bankruptcy in XXXX that year naming XXXX, XXXX XXXX, and their attorney as creditors on a lien that was placed on my name. The bankruptcy was discharged in XX/XX/XXXX, and I assumed all was well. 

My husband and I tried to refinance our VA home loan in XX/XX/XXXX in anticipation of rising interest rates, and it was then that we found out that the lien for XXXX was still filed and active against my name. Multiple calls to the assigned attorney and to XXXX XXXX were not satisfactory. The attorney, XXXX XXXX XXXX who took over the XXXX XXXX XXXX cases, denied they had the file and XXXX said I still had to pay it in order to close the lien. 

We hired our bankruptcy attorney to file a motion spending around {$700.00}, which I feel should not have been an expense I should have had to make. It took until XX/XX/XXXX to get a signature on the order. The lien is still filed and active on my name. 

My husband was forced to refi our VA mortgage in his name only, which has affected his credit score and the interest rate offered by the company.
I graduated in 2005 and have struggled to make my outrageous monthly payments. When contacting Navient regarding my options, none of them were within my ability to pay. I offered several times to make payments that I could afford and was instructed that my loan would go into forbearance until I was able to pay. I was told that I could make payments that were affordable to me, however, the loan would always remain delinquent and the better option would be to put my loan on hold until I can make the full payments that were presented. What I was not aware of, was how much interest would accrue. So as you can imagine, my loan balance has now more than doubled. And Navient is still not working with me in terms of my monthly payments. I am currently unemployed but married. Though my husband is not on the loan, they requested that I send in documentation regarding our taxes, and I believe tried to get me to sign a document to add him as a co-signer. I did not complete this paperwork, as that is deceptive and he is not responsible for this loan. Because of my husbands pay, they are requesting that I make, again, an extremely high payment that I am not able to make.
I was approved for a refinancing of my existing student loans by Earnest , Inc. Upon signing the loan documents, I was informed that i needed to get a " 10 day payoff '' quote from my existing loan servicers, and that Earnest would hold the loan funds for 3 days, then send my existing loan servicers a check, which would take about 7 days to clear, thereby closing those loans. After several days, I was notified by Earnest that they were suddenly backlogged, and unable to disburse funds on this loan for 45-60 days. My worry is that they are out of cash. I am hoping that the CFPB can require Earnest to disclose their inability to fund loans in a timely manner to consumers BEFORE they enter into loan agreements. I am also concerned that Earnest may not be complying with the law and/or relevant regulations regarding capital requirements for lenders.
I have not been to anyrhung medical to have medical bill with XXXX XXXX XXXX XXXX
Bank of America took {$1.00} from my Checking account at   XXXX   XXXX   without my Permission,, I called  XXXX   XXXX   XXXX   and ask about the withdrawal and they said that Bank of America gave no reason for the withdrawal and t hat BofA ha d the routing number and Checking account number. I then called Bank of America and ask them about the withdrawal from my  XXXX   XXXX   XXXX   account,,, I was on the phone wi th BofA for about 30 minutes, transfer 3 times and they said they couldn`t find any reason why BofA would take  {$1.00} from my  XXXX  Checking account and that I needed to check with  XXXX   XXXX   XXXX    , , I t hen ask then who gave them permission to withdraw the money from my   XXXX   checking account and where they got my routing and checking account numbers, they COULD not tell me,,,,, My   XXXX   checking account shows the {$1.00} withdrawal to Bank of Americ a on   XXXX   XXXX ,   XXXX  ,,,, , ,NO offer o f returning the money has been made,, I WANT MY MONEY BACK,,, a nd one more thing, the phone call to Bank of America , where I was transfer 3 times, was also recorded by Bank of America , I believe that  was on  XXXX   XXXX  or  XXXX ,   XXXX