WillisBack/dataset-financial-user-claim huggingface dataset:
Refer to attached registered letter for details ( this is in regards of mishandling claim in loss draft department do to Fire ) there holding monies XXXX already paid and not paying contractors causing me to pay out of pocket to contractors causing late mortgage payments stating I-am under special monitoring???????? and they have not approved the rebuilding of my house which already been half rebuilt, the fire and the mortgage company that held loan is different, XXXX Mortgage Bought Loan In The Middle Of Construction From XXXX XXXX XXXX. ;
My vehicle was a total loss and the insurance company paid the entire loan balance except for the late fees. Ally financial told me after the car paid that the late fees would be waived and my account was at XXXX. Ally financial sent me the title to the vehicle. <P/>A month later Ally came back and said they were charging me late fees with a daily interest. From month to month the amount changed they were uncertain the amount of late fees and interest. <P/>In Virginia a company can not charge more than 12 % late fees. They are reporting to the credit bureau and I feel they are incorrect. Ally stated that they sent the title to insurance company and not to me. However their office also stated that they title should n't have been released if there was any kind of balance remaining on the account. Once I received the title, lien release and the letter my account should be at a XXXX balance.
After completing chapter XXXX bankruptcy, I have been getting harassment calls from Ocwen stating I owe XXXX XXXX plus dollars, which is incorrect. First it was stated I missed a payment in XXXX, then after many frustrating calls then it was stated I missed a payment in XXXX, which is incorrect. I have paid my XXXX mortgage payment in the amount of {$1700.00}, which they returned partial payment. They returned {$990.00} and stated they could not take partial payments. I then stated where is the {$750.00} that was sent to you guys on XXXX XXXX. XXXX along with the {$990.00} and it was stated they never got it. All my payments are through my bank with Bill pay from XXXX. Then it was stated they returned the {$750.00} and I stated I never received it. The {$990.00} they returned to me, I sent it right back through bill pay. As of Friday they stated they returned my payment back to my account on XXXX XXXX, XXXX, and as of today I have not receive any funds transferred to the account. At this point I am transferred to the escalation department, and stated by the representative someone would call me back in regards to my funds. Well no one did call back. Now my XXXX payment was sent on XXXX XXXX through bill pay like always. 
The part that has me stressed is the fact they are holding on to my funds stating they returned it, second they are telling me my mortgage is {$1700.00} a month which in fact is {$1700.00}, third how can you say I missed a payment when the books and the book keepers are not accurate when they ca n't even get the correct amount of the mortgage payment, and fourth, the last analysis on the account was in XXXX which states I have a sur plus of {$640.00} but I ca n't be told what happened to the funds because they do n't have a record of it and they do n't see this information in the system. As of XXXX, I have not received any analysis on my account. I thought this is done yearly? So here it is I am harassed about money Ocwen states I owe but yet they do n't apply the funds and then lie and say it is returned. {$750.00} + $ XXXX, so how do you keep {$750.00} and do n't account for it. The only best thing to this is bill pay has every transaction from credits to debits on the account and who the check was made out to.
Debt was result of auto accident XX/XX/2016. Physician consistently failed to bill insurance regardless of information I provided. Bill was given to Transworld whom I communicated with on several occasions. I do not believe they communicated with physician, I communicated with physicians office, yet health insurance was never billed. Physicians office finally billed health insurance, but they failed to file the claim within the allotted amount of years, and was told my portion of payment is {$0.00}. Physician sent an invoice showing that I owe XXXX. Yet, Transworld communicated to me it was a charge off. I provided documents showing that it wasn't and told them that nowhere on the invoice does it show that it was a charge off. Physicians invoice shows I owe {$0.00}. Transworld has been claiming it is in dispute for more than 30 days. Transworld has done nothing to repair incorrect reporting. They haven't even reported it as a " Charge Off, '' even though it is not a charge off. They have done nothing and it has been on my report inaccurately for over a year I am attaching the documents they have received on more than one occasion.
Nationstar failed to provide proper notification of monthly payment increase, fialed to provide proper notification of annual escrow analysis completion, failed to provide proper notification of increase in autodraft, failed to respond to direct complaint within 30 days, failed to provide explanation of creating escrow cushion at 1/12th which deviates from the RESPA 1/6th ruling, failed to respond to direct question " if the shortage payment is made in full, will that reduce the monthly payment to the previous lower amount? ", and failed to provide a copy of the recorded conversation on XX/XX/XXXX.
I was a part of the Equifax breach three months ago.
I was not notified for three months, and I have not been informed about exactly WHAT information was compromised.
I am deeply disturbed not only be the fact that they allowed this breach to take place but that they waited three months to notify impacted individuals about the breach.
I am a customer with Chase bank and on Sunday  XXXX   XXXX   I tried to make a transaction for about {$20.00} at a restaurant and was told that my debit card was declined. At first I thought that it might have been the merchant 's mistake. I then tried to use the card that afternoon for a {$30.00} grocery store payment and was told that my card was declined. This really was surprising since I had more than enough money in my account to cover both costs incurred that day. When I called  Chase ' s  " 24hr  '' Customer Service line, the woman proceeded to tell me that a restriction had been placed on my account. After much back and forth, she explained that the restriction was accidentally placed on my account by Chase. She then told me that the one dept. that would be able to help me was closed on weekends and that I would have to inquire about the matter on Monday in person at a bank branch. Of course in finding this out I was furious especially since  Chase was so negligent in not sending me any notification regarding the restriction being placed on my account, not giving me any additional information about the matter and basically not caring about one of thier customers. Thankfully I was able to go into a bank branch the next day and resolve the matter which took about an hour and event the person that helped me was having trouble at first ( which was at no fault of hers as she was very helpful ). Never in my life have I experienced such negligence from a bank. Chase handled this matter very haphazardly and extremely sloppy. I know they do n't care about my " Little '' bank account but regardless of the status of the account holder, Chase should be vigilant in correcting THEIR MISTAKES and their customers should n't have to feel li  ke they are an afterthought. I do plan on closing my account and taking my business to another bank. Shame on you Chase.
i wrote to the CRA 'S that there were several bankruptcy cases on my report and that they were not accurate and should verified and removed, they responded with they have been verified i wrote back and asked the method of verification and who they corresponded with, they wrote back we have told you we verified the items and that i should contact the bankruptcy court for more info so i wrote to the court they replied with dear sir we DO NOT REPORT TO THE CREDIT BUREAU AND WE DO NOT SUPPLY social security numbers to any agency, i then wrote back to CRA and sent a copy of the letter and requested that they remove this info as it has not been verified XXXX removed it immediately XXXX AND EXPERIAN both replied we have verified thru a 3rd party who reports public records i wrote back explained to them that i was seeking a attorney to fight this further i explain to them that who ever is reporting to you i have a right to know who they are and that they should be on my report so i can address them properly if they are furnishing information furthermore i did not give them permission to give out my social security number XXXX need to know who they are what is the furnisher information they replied the NORTHERN DISTRICT BANKRUPTCY COURT so i went down to XXXX XXXX XXXX in XXXX Texas and went into court and spoke with a clerk asked if they were a customer of the CRA 'S she said no i also asked her if they verify information when the CRA 'S send those request she said sir we have ABSOLUTELY NO DEALINGS WETHER DIRECTLY OR IN DIRECTLY THE CRA 'S can pull info from companies like XXXX and get this information i bowed her my letter from CRA 'S said that they verified information with your office she said not true we do n't do that and we certainly are not violating any federal laws i will give you a copy of the same form we sent you i asked well can you call them to tell them this she said we ca n't do that and we DONT correspond with them Period here is your letter i then sent this to the CRA 'S for the 4 time and asked they remove this unverified information Experian called me and told me that they were re investigating the case 1 hour later they removed XXXX perfectly good accounts from my report i called and asked why they said they did n't come in under your social i said mam they are credit cards that belong to my father i am authorized user she said thats illegal you need to give me his name i will contact him i said mam you have his information she said he has to verify that he placed you on his cards then we will put you back on i said really even though its illegal she said she had to transfer me to a sup visor that never answered the phone i have did everything they have asked me to DO and they are still violating the law with no fear of any action being taken
I believe Navient has a major issue with the way they are processing my payments. I have Auto-Pay set up, the payment then goes through my XXXX XXXX XXXX account/shows up as a charge in my bank account, then, fast forward a few days and I get a notice from Navient saying my " Payment Reversed '' and the loan is now delinquent. This has happened for several months now. I finally just got off the phone with both my bank and with Navient. Navient states that they have my correct Bank account number and routing number and are insisting that this is a problem with my bank. My bank shows no history of Navient trying to charge my account On XX/XX/XXXX, my loans came out of forbearance, ( Navient told me I should use forbearance rather than deferment ), knowing my account was set up for Auto-Pay prior to the forbearance, I left the account alone, knowing to be paid automatically through Auto-Pay.

On XX/XX/XXXX, I got an email from Navient stating a " FFELP 1st Delinquency Notice ''. However, my account was set up on Auto-Pay so this should not have happened. XX/XX/XXXX, I receive an email from Navient stating " Payment Not Processed '' on all of my loans connected to the Auto-Pay and also an email stating " FFELP 2nd Delinquency Notice ''.

At this point, XX/XX/XXXX I call Navient, speak to a representative and we decide to RE-ENROLL in Auto-Pay and the rep placed me on a 1 month forbearance resuming payments XX/XX/XXXX. XX/XX/XXXX, I receive and email from Navient approving my Auto-Pay enrollment success.

So, I sit back and wait thinking my payments will go through and I will be back on track with proper repayment status. XX/XX/XXXX, I get an email from Navient stating my " Auto-Pay Terminated ''. And at that point I made a DIRECT payment through my bank account that showed up in my bank account, which was then later " Reversed '' by Navient. XX/XX/XXXX, I RE-ENROLL for Auto-Pay a SECOND time and receive an email from Navient stating " Auto Debit Enrollment Approved ''. XX/XX/XXXX, I get an email from Navient " Payment Not Processed '' on ALL of my loans.

I just called Navient and they suggested I make a payment using my debit card over the phone, which I did. They insisted that it was an error on my bank or my part.

I am frustrated beyond belief. I am trying to honor my repayments and maintain a good standing but Navient is making it EXTREMELY difficult to repay my loans. I believe there is an error in their payment processing system.
I have received a collection letter from Southwest Credit for a XXXX cable bill.I called XXXX cable and they stated that they do not have any record of me owing any money from any account with them.They have never heard of this company.
I applied for the American Express Gold Card on XX/XX/XXXX. The Refer-a-friend offer terms were : - XXXX Membership Rewards points after spending {$2000.00} on the card within the first three months - 20 % off dining purchases for the first three months, up to {$100.00} Because the 20 % credit did not post on my XXXX statement, I went on the chat feature on American Express website to ask about it. The chat representative I reached on XX/XX/XXXX said that the bonus was revoked. The representative provided no further details. 

I immediately called the number on the back of my card and asked to speak with a representative. This representative told me that the bonus was revoked because I had received the bonus on a completely different American Express card ( the SPG card ) back in XXXX. I was incredulous. 

The phone representative offered to transfer me to customer service. This new representative then said that my original understanding of the welcome bonus was correct, and that I am eligible for the welcome bonus. Furthermore, she said that I had already met the spending requirements for that bonus. 

There is no way for me to trust that she is correct, if both the chat and first phone representative said American Express revoked the bonus from my account. How can I trust this company?
I received email stating an incorrect address has fraudulently appeared on my credit report through Experian. This address was submiited by XXXX XXXX. It is not my address nor has it ever been my address. It has been placed on my XXXX account four times since XX/XX/XXXX causing my account to be compromised and closed each time. XXXX would not try to help me. Please advise me on how I can proceed with having this issue resolved or these people prosecuted for committing fraud.
My credit information was grossly misused by Equifax. I am a victim of the recent security breach, and now am having to take numerous steps to try, and protect myself due to Equifaxs unbelievable negligence regarding customer security. This has not only affected me, but my husband as well. Along with 143 million other Americans. I have been working hard to build my credit, and now I have to worry about someone taking all of that from me due to Equifaxs negligence. Not only do I have to worry about  someone tanking my credit score, but I have to worry about the possibility of fraudulent tax returns in my name, or someone emptying my bank account.
My problem I am trying to take off the PMI. I purchase my house on XX/XX/2011 for XXXX. Today the value of the house is XXXX. We paid almost 6 years and I resquested to the bank to remove the PMI they said only when my debit get XXXX I have to pay 4 years more.To get off the PMI even if the value of the house and together with monthly payment I make is more than the 20 % they don want remove the PMI.
I have recently attempted to open a bank account at several locations which ultimately makes me look bad on my consumer report come to find out some had used my social security number to open 2 bank accounts with Bank of America N.A in 2013 with my social but different identification number. I have made several attempts to work with Bank of America in person at several locations explained my situation advised them of my wallet being stolen and how I had made a police report in regards to my car being broken into and how my wallet had been stolen from my car, they disregarded me and reported me to XXXX XXXX as fraud, which has prevented me from establishing any type of bank account or being credit worthy.
Wells Fargo has failed to modify my second loan under the MP2 program. Specifically they have provided false information and refuse to identify a monthly payment -- I do not believe this program mirrors my first loan. While WF has told me they would be sending the correct information, they have not. Instead I received a call from a XXXX XXXX stating that the loan was going to be canceled since I would n't agree to their terms. How can I agree to terms that have not been identified is beyond me.
Since XX/XX/XXXX I have been in contact with Equifax to correct many incorrect items on my company 's credit report. My company name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I requested credit reports on both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I received credit reports for a XXXX XXXX in XXXX, and credit reports for XXXX XXXX XXXX XXXX in XXXX. Neither of these companies is mine, but I noticed my own company 's good credit items in the other company 's reports. This was true for both company names - XXXX XXXX in XXXX had my ( XXXX XXXX in XXXX ) good credit items, and XXXX XXXX XXXX XXXX in XXXX had my ( XXXX XXXX XXXX XXXX in XXXX ) good credit items. And of course my company in XXXX had many bad credit items from the XXXX and XXXX company. I have attached all of my correspondence to them. They have only responded correctly to XXXX of the XXXX or so incorrect items. My company has been in existence since XX/XX/XXXX. The XXXX company has regularly been confused with mine, but this is the first time I have been aware of the XXXX company.
I was charged a late fee on my account even though I have automatic payments on, and to pay when statement is received, and a payment is on the statement with the late fee. 
The charge has been reversed, but I would suspect that this would happen to many consumers at the company.
purchased tickets from individual through XXXX  for a sporting event. contacted individual through text message which I have everything saved including screenshot of XXXX post. used XXXX from my bank of America app to send {$120.00} to individual. after sending money I never heard anything back from individual and never received my tickets. I contacted bank of America and they could not do anything but submit a ticket and stated there was not much that could be done. i had alot of questions but they were not answered by bank of America. I trusted that if i was sending money through XXXX  which is on my bank of America app i would be protected from something like this happening but as i already see there is not much help for me at all. I also made a police report for the incident.

bank of America case # XXXX police report reference # XXXX
I bought a duplex owner occupied though wells fargo using a conventional loan. when the market dropped I refinanced the loan through a government streamline program to a 15 year loan. so when I hit the government mandated 78 % loan to value the private mortgage insurance should have automatically dropped. It didn't. I now have 62 % loan to value and still paying mortgage insurance.
Credence Resource Management has been calling my cell phone for the last 2-3 months trying to collect {$180.00} for an old XXXX XXXX XXXX bill my wife did not pay. I tell them that they are calling the wrong number and give them my wife 's cell number. They continue to call me from an offshore call center speaking XXXX with an unusual accent. They only ask my relationships with the debtor, not my name, then give me her address and only ask if it is right. I say yes and then they continue to tell me who they are, what company they work for for, that it is an attempt to collect a debt and the phone call may be recorded. After about 15 calls I asked to speak to a supervisor. I notified him that my wife wanted to take care of the debt but was disputing the amount. The supervisor " checked '' the amount and verbally confirmed it was the right balance. I informed the supervisor that I wished to dispute the balance and requested a breakdown or proof of the debt by mail. We never received the proof and now the phone calls are coming more often. I received yet another call just a few minutes ago. I let the gentleman on the other end know that he was violating FDCPA laws by giving me information about the debtor and her account. The gentleman who stated he was in XXXX was not aware of any laws transfered me to another supervisor. The supervisor said he was going to check the times I had been called. He came back on the line very apologetic and informed me that he would remove my number and that I would not receive any more calls from their company. I thanded him but asked him for his company 's information so I could file a complaint. The supervisor hesitated then hesitantly gave me the company name. I asked him for the company address. He said he was not authorized to give me anymore information. He then put me on hold then returned with a company e-mail to file my complaint. I informed him that I would be filing a complaint with the authorities. He said that it was not necessary and asked me not to file a complaint.
**This Complaint is not a Duplicate** Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as,  Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
XXXXXXXX XXXX of NOVA Home loans is running this ad. It 's steering. Any house is eligible for a {$0.00} down through Home plus program or Home in XXXX. He is steering people to that particular website saying that all those homes are eligible for {$0.00} down which is a lie.