WillisBack/dataset-financial-user-claim huggingface dataset:
In early XXXX my mortgage servicing company was transferred from XXXX to Freedom Mortgage. On XX/XX/XXXX I called and requested a payoff amount to pay off the remainder of my mortgage. Freedom Mortgage would not give me a payoff amount unless I agreed to pay a {$30.00} request for payoff. I explained to Freedom Mortgage that my loan has no prepayment penalty so {$30.00} request was not in terms of my agreement. I then ask if I just sent in the balance with an adjustment for interest would that be acceptable. The lady indicated that I still had to pay {$30.00}. I refused to pay the {$30.00} and sent in the balance of loan plus 7 days interest. 
I have called almost daily since my bank ( XXXX ) sent the check on XX/XX/XXXX to Freedom Mortgage to see when it will be posted. Freedom Mortgage continues to say they do not have the check and in the meantime I am accruing interest. Since XX/XX/XXXX, XXXX has post mark my check 2 to 3 days before the XX/XX/XXXXof each month and Freedom Mortgage has applied balance on XX/XX/XXXX of each month. Now they have conveniently misplace my check while I continue to accrue interest. Per my calculations, I now owe additional interest because they have lost my check.
I signed a lease and paid a security deposit on a property in XXXX, NC on XX/XX/18 with XXXX XXXX. We were unable to take posession of the property due to a dangerous domestic situation and the flooding of hurricane Florence left us physically unable to reach XXXX as all roads were closed between XXXX and XXXX. I communicated this to him and his business partner. I had no choice but to return to our home in Texas for our safety and communicated this. I offered to send a certified letter to break the contract and was provided a non-existent address. When I asked who owned the property, all communication ceased. Upon further investigation, I discovered through the county tax records that XXXX does not and has never owned this property. He presented himself as the owner and, in addition, per county tax records and real estate listings, this home is not a 3 bedroom as advertised, it is a 2 bedroom. I was told by the person he presented as his property manager, a XXXX XXXX, that she would attempt to get me a partial refund for the deposit I had paid. That never occurred. In XXXX, after 2 months of no communication, their company attempted to fraudulently charge my credit card for {$1000.00}. At this point, I felt that the entire situation was fraud and I attempted to dispute the original charges. I presented my evidence showing all of the above to Capital One and sadly, they told me this is a civil matter because I did not have a receipt of cancellation. I was not able to receive a receipt as the people named would not provide me with the correct contact information to send a letter to cancel the contract. I stongly disagree as I was presented with something that 1. Did not belong to these people 2. I was not allowed to cancel and receive a recepit of cancellation because they would not provide me with the correct address and name of owner and 3. The home advertised is not as presented ( 2 bedroom not a 3 bedroom ). I would like my money refunded. 
I spoke with the XXXX Police Department on XX/XX/2018 and they told me that this is a matter of fraud. They advised me to also report this information to the FBI fraud website as they have a broader jurisdiction. I can not believe that Capital One is treating me as a liar when I have been a victim of fraud.
A series of parking tickets were accumulated by my wife through XXXX  XXXX University in the fall of XX/XX/XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the XXXX XXXX XXXX XXXX  XXXX , should not appear on my credit report. Starting in the spring of XX/XX/XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX, TransUnion, and XXXX. However, all three did not apply the XXXX XXXX XXXX XXXX, and the hit to my credit was not removed.
I received a notice from Credit Bureau Associates ( CBA ) on XXXX XXXX, 2015 regarding a debt that is not mine ( {$3000.00} ). I checked my credit score, and it already had shown the negative mark for this debt. This is the first time I had heard of the debt. The debt is not mine, and I had no knowledge of the debt or the service prior to the letter from CBA. The letter references a XXXX XXXX, in XXXX CA, which I had never heard of. I first called the Federal Trade Commission ( FTC ) to find out what to do. They said to dispute the debt, and that the company would have to produce evidence within 5 days, or I could file a complaint. I called CBA on XXXX XXXX, and no one answered, so I left a message, with details and disputed the debt. XXXX XXXX ( from XXXX ) returned by call on XXXX XXXX, at approximately XXXX ( the call was recorded by CBA ). I confirmed my dispute of the debt, and requested their evidence. XXXX said that their evidence was from DMV, and that it would be sent to me within 5-10 business days. I told her that I expected it in 5 days, because that is what I understood to be the law. I confirmed my current address and phone number to CBA on that call. Since that time I have received, or heard, nothing from CBA. I sent a letter to CBA on XXXX/XXXX/15 describing the above, and again requesting evidence of the debt. 
I also called XXXX XXXX, in XXXX CA, on XXXX XXXX, regarding this notice. They said that they had sent all of their files regarding this account to CBA, and that they would call CBA on the same day and get back to me. They said that it would be faster for them to contact CBA, and hear back, then it would be for me. They said that their evidence was from DMV that I owned an XXXX Suzuki motorcycle that they had towed and still had in their possession. I have never owned an XXXX Suzuki motorcycle, never had a motorcycle towed, and never heard of their company, and I told them that. I called XXXX XXXX two days later to follow up. I never heard back from XXXX XXXX either. I sent them a letter on XXXX/XXXX/15, describing the above, and disputing the debt and requesting evidence.
This company is trying to collect debt that is not owed. Me and my attorney pointed out all the wrongs they are trying to collect on and we have not heard from them from the last dispute and it has been over 30 days. I do not owe them anything and have never done business with them ever. I want this company investigated. Ask them to send you what they sent me and you will see it makes no sense. They are scamming consumers.
After filing a CFPB complaint [ complaint # XXXX ] during XX/XX/2018, I received one " PNC Bank Official Check '' in the amount of {$77.00} and two " PNC cashier 's checks '' in the amounts of {$480.00} and {$30.00}. Unfortunately, I have been very ill and have been at 2 different hospitals for medical treatment over the last 4 weeks. However, I tried to cash these 3 checks at the PNC XXXX XXXX branch on Saturday, XX/XX/XXXX. The branch manager would not authorize these checks to be cashed because she said " she had to guarantee the funds were available by calling someone at corporate. '' She said " the individual ( s ) I need to call will not be available until Monday morning. Please come back to the branch at that time. I am going to keep these checks because I can not return them to you. '' Now, why the branch manager felt the need to keep the checks did not sit well with me and that was made very clear. I used to work at a bank and I know that among the purposes of a cashier 's check is to set funds aside to ensure guaranteed and prompt payment to the check recipient. So, again- why the branch manager felt behooved to take possession of the check is absurd and why it is taking so much work to cash their own company-issued cashier 's check is beyond my comprehension at this point. 

Upon going to the branch this Monday morning at XXXX XXXX, the branch manager has still not resolved the matter. She asked for me to return to the branch at XXXX XXXX to let me know the status at that time. 

I departed from the bank and called the XXXX number denoted on paperwork and spoke with a customer service representative named XXXX. After explaining the situation to XXXX, she recommended I ask the branch manager, XXXX XXXX, to provide me the regional manager 's phone number. 

I will make that request & call but I feel compelled to file another complaint regarding this outrageous situation. These funds are proof of payment that the bank recognized that closing my checking account was wrong but what is worse is the amount of time and money ( XXXX & bus fare ) to resolve this " resolved '' issue. 

Thank you in advance for your assistance!
I received a debt collection bill from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount fo {$2300.00}. Per the state for Florida Statute 95.11 in regards to private loan debt collection, the statute of limitations has expired for this debt s the original loan was taken out on XX/XX/XXXX. XXXX XXXX XXXX XXXX is attempting to restart the clock by intimidating and threatening me in their correspondence that they will be seeking judgement against this debt which again has past the statute of limitations for judgement collection.
I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX. 
I have asked for proof of this being my account and have not recieved anything. 
They have sent one reply asking for my personal information that I have provided in my initial letter. 
Still have not received proof.
XX/XX/18 I received notification from my credit bureaus XXXX my credit has been changed. I viewed the debt collector asking for approximately {$2300.00}. I am concerned because that is very incorrect and false information and furthermore I never received notice of a court date for allegations of a judgement. I know my security deposit was a XXXX dollars and the XXXX XXXX apartments kept ALL of my security deposit. The day I vacated I asked the managers assistant and main manager for documentation providing I am leaving and everything as been satisfied. I was told yes and my security deposit will be sent to me by mail. I can leave now. I do have a video recording of this conversation because I am aware this apartment complex has commited fraudulent claims in the past. I also have a witness who was present during this conversation. I also have pictures to show the apartment was left as is and clean. This extremely high judgement is a false claim and detrimental to my credit history and character as a consumer. I want this information corrected immediately. I also would like to see the file of what was alleged for judgement so I can dispute in court if need be, as I have every proof needed to show this amount is false and incorrect information on my credit report.
On XXXX XXXX, 2017 I had an 18 Month CD mature at M & T Bank. The Branch I use is in XXXX XXXX, XXXX XXXX, NJ. The CD originally started with XXXX XXXX XXXX XXXX which was acquired by M & T Bank. The account balance of the CD was {$5500.00}. Last month ( or the month before ) I received a renewal notice telling me the CD was coming due but that the rate I could be paid on renewal had yet to be established, hence could not be disclosed. On Saturday, XXXX XXXX I received a renewal notice in the mail dated XXXX XXXX which disclosed the CD ( Account Number XXXX in the amount of {$5500.00} ) had been renewed for another 18 months at a rate of 0.1 %, which is ridiculously below market. On Monday XXXX XXXX, I visited the XXXX XXXX XXXX XXXX XXXX XXXX to close the CD and spoke to Branch Manager XXXX XXXX who processed the CD Closure and charged {$52.00} in interest forfeiture fees and penalties. I told her that this amount of penalty sounded excessive given the late notice on the new rate and the fact that the new rate would only yield me {$5.00} per annum in interest income. She did n't really reply to that but said I could have closed the CD within ten days of renewal or before renewal to avoid the penalty even though I did not receive notice of the rate until 24 days after the renewal. She was very nice but essentially I gathered she was powerless to be fair about this so here I am. The Bank Official Check I left with was number XXXX for {$5500.00}. I am writing to you to try to get help for myself and the countless other people who were given penalties I deem to be excessive given the circumstances.
This is a Notice of Violation of ECOA Valuations Rule under 12 C.F.R. 1002.14 ( a ) ( 1 ) ; 15 U.S.C. ( a ) ( 3 ), ( e ) ( 1 ).

I applied for a loan modification XX/XX/XXXX with U.S. Bank and received a Notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. RE : Right to Property Valuation Documentation ( attached here as A-1 ) The Notice clearly stated that they would promptly send notification of the of the property value, and provide me with a copy of the appraisal report as required by law. U.S. Bank conducted two separate Property Valuations ( attached here as A-2 ) while reviewing my loan application and failed to provide me a copy as required by law and violated the ECOA Valuations Rule under 12 C.F.R. 1002.14 ( a ) ( 1 ) ; 15 U.S.C. ( a ) ( 3 ), ( e ) ( 1 ).

I received a loss Mitigation Determination from U.S. Bank dated XX/XX/XXXX ( attached here A-3 ) that advised me that I was denied a loan modification due to not being able to complete a property inspection. Not only was a property inspection completed during the review of my application, there were also two separate property valuations ( Appraisal/BPO ) conducted and completed during that time. This information is false, misleading, deceptive and unfair and clearly violates UDAAP ( Dodd-Frank Act, Sec. 1036 ( a ) ( 1 ) ( B ) ; 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) misleading borrowers by providing false or deceptive reasons for denial. This false and deceptive information also violates RESPA under 12 U.S.C. 2605 ( k ) ( 1 ) ( C ), due to the Servicers failure to correctly evaluate a loss mitigation application.
This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this  account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!
I already contacted XXXX & XXXX and Spoke with XXXX to make sure I was up to date, Froze my Credit with the first two ... .I can not get ahold of " THE PROBLEM '' EQUIFAX !!!! Their phone # 's provided on line hang -up on you or do the " doo-doo-doo, They are like no longer active! I took a Trip off work to protect my self and at thispoint ... .I am totally XXXX XXXX!!!
I HAVE DISPUTED SEVERAL TIMES WITH XXXX REGARDING THIS EXECUTIVE FINANCIAL CONSUL COMPANY REPORTING AN ACCOUNT THAT DOES NOT BELONG TO ME. IT IS FOR {$86.00}
My mortgage loan at Ocwen, was paid off on XXXX XXXX, 2015 through a title company at settlement. On XXXX XXXX, 2015, Ocwen took my normal monthly mortgage payment from my bank account ( even though it was paid off from the day before at settlement ). On XXXX XXXX, 2015 Ocwen sold off the mortgage to XXXX I am looking for a reimbursement of my mortgage payment from XXXX XXXX, 2015 as well as the overage from the loan payoff. Ocwen can not talk to me because the " Sold '' the loan ( even though it was paid off before they " sold '' it ). XXXX has no record of the payoff/overpayment because their system will not be updated for 3-4 weeks. All in all, I have no way of " stopping '' my auto deduct with the new company because I can not access my new account information and I have no one who can help me recover the extra loan payment taken as well as any overpayment of the " Payoff ''. I am in need of a refund, ASAP.
Today, XX/XX/2017, I received XXXX emails in a row informing me that my account had been put into an " administrative Forbearance '' based on my request that I never made. There was no information available in my account online to show what this was for. Navient has taken over from my previous lender XXXX just a few months ago, at the end of XX/XX/XXXX of this year. In the process of the switch we followed ALL instructions from XXXX and Navient and stayed 100 % on every payment. My phone call to Navient told me I did not have a choice on the forbearance since my account was DELINQUENT. I have not missed a single payment and all Navient could tell me was that it was delinquent but not how or why. She said " it must have been with XXXX ''. That is 100 % incorrect. I requested an immediate cancellation of this " administrative forbearance '' but have no documentation to prove it. 

I also applied for educational loan forgiveness through DOE and they have had 3 months to respond. In the phone call this morning I was informed they declined the forgiveness for the 3rd time due to something my employer was asked to fill out. I now have to fill out all of the paperwork and submit to my employer a 3rd time.
I have a Credit Freeze with Equifax XXXX XXXX XXXX XXXX, XXXX GA XXXX. I applied and paid at the Equifax website for a temporary lift on XXXX/XXXX/2016 that I could submit to a bank to process a credit card application. Equifax would provide the required information in a PDF file but the Equifax website crashed with a software error ( something to the effect that it could not start XXXX reader or similar ) and did not produce the PDF file with the information. 
Equifax does not provide a customer phone number ; Equifax does not provide an email address ; so there is no way to communicate with Equifax to either have a refund and try the request again, or for Equifax to allow to try the request again, or for Equifax to simply email the PDF file. 
The Equifax website will provide a customer phone number only if you have an account with Equifax but to have an account with Equifax you must have purchase a product or a service from Equifax. The fact is that I do have purchased and paid for XXXX product/services with Equifax : I purchased and paid for a Freeze product, and I purchase and paid for a Unfreeze product but Equifax never provided an account number for those product/services. 
Equifax only provides a XXXX XXXX XXXX number for resolving this issue. This is not acceptable because the bank credit card application for which I need the unfreeze report has a time limit and postal service resolution is not a viable alternative. 
This is a deceptive and shady business practice by Equifax. Clearly the intent is to discourage the use of credit report freezes. Equifax should provide a way to resolve these issues in real time either by providing a phone or an email address.
Chase Bank NA Mortgage has illegally reported XXXX late charges on our credit bureaus severely affecting us from getting any home loans or refinancing. 

No notice was given to us, no grace period was given to us, we were not notified by certified mail, but they went ahead causing severe financial and emotional damage to us. 

Even after explaining they are not willing to understand or resolve this matter.
I filed a complaint against Chase a couple of weeks ago. Please reference complaint # XXXX. 

I just got an update today stating the complaint was closed due to my lack of response to a letter they sent me. Based on what I am about to explain it will become quite clear that the letter was probably never physically sent. The first I have seen this letter is attached to today 's CFPB reply. 

The letter says that my credit report screenshot was illegible ( which in fact it is very clear and concise ) SEE ATTACHED FOR YOURSELF THAT IT CANT BE MORE CLEAR IN REGARD TO THE ISSUE. 

Secondly, they reference XXXX being the bureau in question which clearly shows they do n't know what they are talking about or did n't even do their due diligence. Both the CFPB complaint and the attached doc show XXXX is the clear issue. The credit report does n't even show XXXX or XXXX  reporting this account so I am even more baffled at the reply! 

PLEASE INTERVENE AND PUT SOMEBODY COMPETENT ON THE CASE!
We purchased our home insurance since XXXX to avoid continually paying forced placed insurance through our escrow. I have called many times to get my mortgage reanalyzed since the policy was paid in full. I have paid the regular amount each month and they continue to include the home insurance payment. I've been asking them to just lower my payment since my policy has been paid in full and I keep getting the run around.
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX   XXXX Date Opened>> XX/XX/XXXX
Over the course of repaying student debt many errors and misinformation has been provided to me causing financial loss and waste of time.     The student loan repayment system is broken and harming students and their families.      Service Lenders  routinely make errors, have call centers with POORLY trained staff, provide HORRIBLE customer service, and do not provide all the necessary information to make informed decisions.     Wait time s are over 40 mi nutes.
I have had a mortgage with BB & T Bank on an investment property for 10 years. I called yesterday to ask about refinancing under the HARP program. I was told that BB & T wo n't refinance under HARP if the mortgagor has more than 6 loans. I have refinanced most of my investment properties this year, none with BB & T, and I have never heard of this restriction. It appears that BB & T does not want to refinance loans, which strikes me as being in opposition to the intention of the HARP program.Can they do this?
Chase bank has ability to investigate, what customers are doing online banking. They know what customer has looked at chase online banking. They said they know that I have looked particular page. Why would they find out what customers are viewing online banking ... 
Do they know what else I do online???
XXXX initiated a hard credit inquiry without my authorization. I called TransUnion to have it removed, and TransUnion refused to remove it without a letter from XXXX. XXXX will not tell me why they pulled my credit. They state that I must talk to their fraud department, but claim that they cannot transfer me internally (allegedly their transfer system is down?!), and both number that they gave me for their fraud department are "not in service" according to the operator. TransUnion has completely refused to remove this fraudulent hard inquiry, and XXXX has made it impossible for me to reach their fraud department to request the letter. I need your help to resolve this Catch-22. Thank you.