WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX I became aware of a significant security breach at Equifax. I checked the potential impact that my information was included in the breach at the https : //trustedidpremier.com/eligibility/eligibility.html site. It reported " Based on the information provided, we believe that your personal information may have been impacted by this incident. ". The site offered me enrollment in the TrustedID Premier credit monitoring service. I clicked the enroll button and was informed I can not enroll until XXXX/XXXX/XXXX. Due to this, I was forced to apply for a 90-day fraud alert.
For the second time now Carrington Mortgage has come through on my bank account 2 days earlier ( agreement date is the 16th of every month ) then our agreed upon date. Causing overdrafts as well as locking up my account. Their document, which I have attached is by Carrington, clearly states the money will never be drafted prior to date submitted on AHCAuthorization form, XXXX : //www.carringtonms.com/XXXX-ACHAuthorization.pdf Per Carrington 's agreement form : " Once your Automatic Payments have begun, your payment will not be debited prior to the dates you selected on the authorization form. However, payments may periodically be delayed by weekends, holidays or administrative interruptions. You understand that CMS will continue to debit my account for the full term of your note or until you provide notice that you wish to cancel automatic payments ''. 

I called them the first time this happened and they assured me they'd correct it but they did not. I called bank this morning and they told me they have nothing to do with the date the payment is withdrawn and if it's withdrawn early ; it is because the mortgage company sent it early. *Bank Statement on XX/XX/18 attached and shows overdrawn status.
I renegotiated a mortgage wth M & T Bank during a bankruptcy proceeding.I have made prompt payments for over two and a half years on the new loan. The Bank refuses to send any information to the credit reporting bureaus depriving me of any credit rating. The bank during this time tried to collect illegal fees of over {$6000.00} that I had to hire an Attorney to get them to rescind. They now want a recommitment agreement which would put that fee back in play in order for them to report to the credit bureaus.
SENECA MORTGAGE SERVICING XXXX XXXX XXXX XXXX, NY XXXX REQUEST : SENECA TO STOP COLLECTING PMI, AND REFUND ALL PAID PMI Our mortgage loan from XXXX was transfered to XXXX XXXX XXXX XXXX ( XXXX ), on XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) according the PROMISSORY NOTE reduced all ESCROW COLLECTIONS FROM {$200.00} to {$87.00}, for period until XXXX XXXX, and ELIMINATED Private Mortgage Insurance ( PMI ). An ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT was sent to us, from XXXX on XXXX/XXXX/XXXX, with effective XXXX/XXXX/XXXX, and monthly payment {$940.00}. Shortly thereafter, XXXX transferred servicing right to SENECA MORTGAGE SERVICING LLC. 
On XXXX XXXX SENECA confirmed this transfer, and WROTE THAT NOTHING WOULD BE CHANGE IN OUR LOAN. We paid monthly {$940.00} monthly to SENECA ( look Mortgage Statement from XXXX XXXX ). 
But, later began to send letters for payment, and without any reason ADDED PMI, AGAINST THE PROMISSORY NOTES, INCREASED EVERY FOUR MONTHS, OUR MONTHLY PAYMENT, ANY OUR REMARK OR REQUEST TO STOP INCREASING THE MONTHLY PAYMENT, SENECA IGNORED! 
PMI is not INCLUDED in PROMISSORY NOTE, and SENECA HAS NOT RIGHT TO TAKE THIS. 
In the letter from XXXX, from XXXX XXXX is this explaned, also! 
WE ARE ENTITLED TO A REFUND OF ALL PMI PAID! 
IF SENECA AGAIN IGNORED TO SATISFIED OUR REQUEST, THIS CASE WOULD BE ACCORDING ARIZONA DEPARTMENT OF FINANCIAL INSTITUTION, SUBJECT TO THE COURT! 

******** AFTER THIS LETTER, WE CONTACTED XXXX XXXX, AS LOAN GIVER-INVESTOR TO HELP US, BUT XXXX XXXX NEVER GOT ANY ANSWER FROM SENECA. 
We pressed SENECA, TO STOP INCREASING OF OUR MONTHLY PAYMENT, XXXX ASKED TO RETURN ALL IRREGULAR TAKEN MONEY FOR ADDED PMI IN OUR LOAN, BUT WE NEVER GOT ANSWER FROM THEM. 
ON XXXX, we got the letter from SENECA , THAT SENECA SOLD-TRANSFERED OUR LOAN TO " XXXX '' MORTGAGE LLC. ( look letter from XXXX/XXXX/XXXX ). Probably to avoid following consequences! 
We contacted XXXX XXXX in XXXX, XXXX and XXXX many times but they could not do anything. 
In between, XXXX asked for payment the loan, and never want to TALK WITH US. WE WANTED NO TO BE LATE WITH OUR PAYMENT AND SENT PAYMENTS, FOR THESE MONTHS, to " XXXX XXXX ''. WE ARE NEVER IN ANY DEPTH AND NEVER LATE WITH OUR PAYMENT. 
iN FACT, SENECA TOOK MORE MONEY FROM US, ADDED PMI, since XXXX XXXX to XXXX XXXX. We need this money back, and all reduction in our loan.
XXXX XXXX XXXX XXXX a division of the XXXX XXXX is withholding {$2100.00} after a matter had been resolved involving a charge back from one of our customers on XX/XX/XXXX. They never during this entire event sent any kind of dispute documentation, notification of withdrawl, nothing. We finally reached a supervisor on XXXX XXXX, 2017 who in writing promised that all funds would be returned the following day. WE HAVE THIS LETTER. They are claiming this was a mistake and have not released {$2100.00} of that deposit, causing payroll and business problems.
I have disputed the ( XXXX ) Chapter XXXX 's several times, we only filed a Chapter XXXX that was discharged XXXX/XXXX/11. I have requested several times that they send me information on the XXXX Chapter XXXX 's that are on my reports, no response. I am attaching my chapter XXXX discharge papers on case # XXXX.
Paypal tried to collect a fraudulent charge from my XXXX XXXX credit card. XXXX XXXX requested documentation from Paypal to backup their claim and the requested my response and documentation from me. XXXX XXXX rejected their claim. After that Paypal changed the transaction ID and place back the charge on my account and they insist on collecting the same amount. I already sent them XXXX electronic messages using the Paypal contact us form to no avail. Paypal contact form states that they will respond in 24 hours. 
I just received an email demanding payment on the fraudulent amount.
I recently set up direct deposit with BB & T Bank, to receive my unemployment check. The direct deposit took 4 days to clear. Yesterday, i was at the bank to inquire about my direct deposit and the bank rep, XXXX XXXX, called customer service and was told the direct deposit did not even show up in the system. The rep calmed me down and reassured me that today would be the latest. I need the money for my Mother 's XXXXXXXX XXXX and food. Our power and light has been cut off due to not having the funds from my direct deposit. Today, I go to the bank and attempt to withdraw my funds and it seems that overnight, someone put a BLOCK on my ATM card. The bank rep was NOT instructed to block my card, no sort of conversation was ever sustained regarding a XXXX on my card. Due to lack of meds, food, lights, last night I had to have my Mother,  a XXXX XXXX survivor, rushed to the hospital. I believe BB & T has done this before as a form of embezzlement. Either way, I plan to bring a civil lawsuit against BB & T for misappropriation funds. I can guarantee you 'll find more cases like this! If you have 1,000 bank customers with direct deposit or just deposits and u BLOCK 500 cards because you know banks wo n't open and you can gain entrance from the funds in the account, it 's clearly embezzlement! I hope you really do an investigation and help the little guy! Thank you
Vehicle was damaged XXXX/XXXX/16 and declared a total loss a couple of weeks later. The primary and GAP coverage payments were made by XX/XX/XXXX. Not sure which side mishandled the claim ; I have proof that the payment cleared, but the loan company insists that a payment was not made. As a result, I have not been given a final payoff amount, and the company is reporting the account as delinquent to all credit bureaus.
Bank of America issued me a new Debit Card about XX/XX/2017. This change required me to contact all auto-pays with my new updated Account No. to prevent interruption of payments. 

On XX/XX/2017 BOA gave my new Bank Account No. without notifying me, without my authorization, to a service I do not use and allowed them to withdrawal money in the amount of {$29.00}. I saw this charge on my bank statement and called BOA concerned for my banking security and safety. 
BOA immediately credited the money back to my account and told me they would block the company. 
They blamed XXXX as it 's LOGO is on my card. They later blamed it on being a recurring charge, which it was not. 
I have several recurring charges and had to contact each one with my new card account number weeks earlier to prevent routine recurring charges from being declined due to my new account number. BOA refuses any responsibility for giving out my private banking information. BOA gave no guarantee for my future security of my banking information. 
We discussed & agreed to, 'not ' blocking my bank card as it was new and would create unnecessary inconvenience for me since BOA already blocked the company. 
BOA went ahead and stopped my Bank Card without notifying me. All calls are recorded and I requested they hear the recording ( XX/XX/2017 at XXXX ) as now they are accusing me of stopping my Bank Card. 
From the {$29.00} charge to my account it is evident that stopping one 's Bank Card adds NO extra security prevent fraudulent charges. 
SUMMATION : 1. ) BOA with no authorization or notification gave an unknown company my secured bank account information that incurred the expense to my account. 2. ) BOA out of spite stopped my Bank Card.
In XXXX on XXXX, I purchased a vehicle from a dealership called XXXX XXXX in XXXX XXXX, California. I was given a fraudulent XXXX report on the vehicle which stated that it had been previously been in a minor accident, but no major damages had occurred and that everything on the vehicle was fixed. Shortly after during a routine maintenance check with my local mechanic, I was informed that there is in fact damage to the car and that it had never been repaired which I had to pay to fix due to safety concerns. A few months later, I started receiving tickets/parking violations in the mail which occurred in XXXX totaling well over {$300.00}. I have spoken with the county and stated that I did not own the vehicle at this time and attempted to speak to the dealership as well to get this issue resolved. From the beginning, with the fake car fax report and the tickets they refused to be of any assistance and were completely vulgar and disrespectful. I have been told that that is not their problem, that I should have known better, and worse yet to " XXXX XXXX  ''. They have stopped accepted any form of communication and responding to any calls or emails when attempting to speak to a manager to get this issue resolved. I am currently receiving debt collection agency notices for the tickets that have been unpaid due to their actions and my credit history is at risk of being affected by this. I have mailed proof of when I purchased this vehicle and really need assistance on how to get this resolved, not just for the situation at hand that I am dealing with but so that it never happens again to someone else. There have been numerous other complaints filed against the dealership from other individuals in the past as well, I just unfortunately did not do as much research as I should have prior to purchasing my car from them.
In XXXX XXXX my son leased a XXXX XXXX XXXX from a dealer in XXXX Fl. Because he was just starting his career they asked that I cosign the lease. My son put $ XXXX down and agreed to pay {$270.00} a month. On XXXX XXXX, XXXX my son passed away suddenly. On XXXX XXXX I spoke to Chrysler Capital and explained that my son had passed away. They asked for a death certificate which I sent along with all my contact information so they could send all correspondence to me going forward. I never heard from Chrysler Capital and on XXXX XXXX I stI 'll have not heard from them. However I have my credit monitored and the service sent me a notice that Chrysler Capital sent a late payment notice in to the credit bureaus which lowered my FICO score XXXX POINTS. I never got any notice or phone call nothing that there was a late payment due. I never heard from them by mail nothing. I contacted Chrysler Capital and they said they do n't have to notify me or invoice me nothing. Because I was the cosigner I am obligated regardless of the circumstances. My son never missed a payment for close to 20 months. He put $ XXXX down. I have paid the lease off, which if they had contacted me I would have done that day!! How can an organization like Chrysler Capital ruin the credit of a cosigner on a loan without giving them the opportunity make the payment or dispute the charges!!! How can the credit bureaus take what they say as the XXXX truth. Help..
In   XXXX   in was subjected to fraud. I contacted my creditor ' ' s (   equifax,  XXXX  and  XXXX  ) to file a indentity theft and to get my accounts taking cared of. They did so in   XXXX   XXXX    XXXX  - {$470.00},   XXXX   XXXX  - {$1000.00}   XXXX   XXXX   {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the  XXXX , equifax and  XXXX  to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in   XXXX   due to myself being subjected to fraud.   XXXX   stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts.  XXXX  and equifax stated they would submit another dispute, that 's was in   XXXX   XXXX   but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   Thank you
Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. I am doing this on my own behalf.
I have had no assistance in my claim regarding XXXX XXXX XXXX XXXX XXXX and their debt collector : Transworld System even after several YEARS of CFPB complaints, including Ombudsman appeals with continued damaged credit resulting in declined loans and higher interest rates. 

Dates : 2007 to Present Amount : Originally - $ XXXX. Currently : $ 80K ( approximately ) Actions : Continuing to negative credit report resulting in my score down over 80 points, ignoring and violating Consent Order, falsified credit dispute documents by reaffirming the debt was owed to credit bureaus.
Ditech charged me the wrong amount from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX they finally reallocated my payments and credited an overdue HAMP incentive. Almost 15 months overdue to be exact. I disputed the error forever including on this board many many times. They reported me late to the credit bureau 3 times even though they charged me the wrong amount. All my mortgage statements had incorrect amounts due. They waived the late fees but failed to update my credit reports even though I have told them repeatedly of the error and even submitted a copy of the letter from them acknowledging this. My credit score has dropped considerably from this. They are intentionally harming me I believe in retaliation.
I opened a checking account with Bank of America in 2017. At the time, I believed I was engaged to marry a man who was then out of town working on a job. He had a " friend '' of his deposit a check for just over {$36000.00} into my account to " cover the vast amount that I had sent him whil he was out of town and then to send him a " little spending money ''. I, of course, did not have {$36000.00} in my account to cover this check, so Bank of America called to confirm the funds. The originating bank called the maker fof the check, who not only said that he did not authorize the check, but that I must have created the check and then tried to pass it through my account, OF COURSE, I DID NEITHER OF THESE THINGS. For months I tried to get from Bank of America the address and person to send what really happened, because now I was unable to open XXXX banking account anywhere. For MONTHS, I got different Answers and NONE were right. Finally, I was given an address in Florida and ended up sending the letter THREE TIMES, only to find out that once again, I had been lied to and that the matter was handled both by XXXX and some Company called XXXX XXXX XXXX. By the time i received this information, I had been contacted by a Special Agent with the XXXX Department. It seemed that my " fiance ' '' was a very well known scammer who they have been trying to catch for a very long time. I sent all the information, along with the Special Agent 's name and contact information and their file number. I have sent this information to XXXX and XXXX XXXX Systems, but XXXX personnel tell me that even if you have sufficient supporting information, they are not in the habit of " admitting they might have made a mistake ''. I am well aware of this after having my wallet stolen and my Target card used with my DL, which was in my wallet, sending the same letter and supporting documentation to them FIVE times and they STILL refuse to take it off! Now, here I am having been scammed by the best of the best out there, I've been fighting for two years just to get the truth out of a bank on where to object to their decision, only to find out that the decision, apparently is in the hands of a company with an ego bigger than XXXX 's, Do you think that I am going to get a fair decision? Do you think that I will ever be able to have a checking account again? Do you have any idea how many of these scammers are out there and we are shut down because of their illegal activities???? Are you willing to help me?? I have been cooperating with the XXXX Department and have been told that the information I have provided has been invaluable, but that does not secure me a checking account!!
I had a checking account with M and T bank. I had an overdraft line of credit with them as well, just to be used if my account was overdrawn. I had this for several years with {$0.00} in fees and a low APR - since it would be a charge of {$10.00} or less and paid off at the end of the month kind of thing. 
After the XX/XX/XXXX subprime credit crisis, the terms on the account change. I learned quickly that there was an exorbitant fee ( {$40.00} ) and 27 % APR on the card, compounded what seemed to be daily because I could n't even pay off the balance without more interest showing up. 
I moved my checking account to XXXX, and kept my M and T checking account with overdraft line of credit open in case of an unforseen issue. 
In XX/XX/XXXX I did a credit check, and got suckered into the " enter your CC number for a free credit report '' scam. I then got seriously ill for 3 months. 
During this time the " free credit report '' agency billed me twice for 40 dollars, and then again for 40 dollars which I got reversed. 
This ended up hitting my overdraft since it was an empty account no one was supposed to use, for a total of 120 in principal,?? in fees, and then the 28 % APR. By the time I recovered and was able to log back in ( the paper statements went to my old address I no longer lived at ) There was a balance of {$270.00} on my overdraft. Instead of trying to fight the bank since M and T has treated me so badly in the past, I transfered the balance from my XXXX account, and paid my overdraft account. However unknown to me - because of the insane interesting compounding in the 3 days it took to transfer money from my XXXX account just under {$9.00} dollars accrued in the MTB overdraft account. 
I called and said close all my accounts, and never spoke with them again. 
2 years later when I applied for a car loan, I look at a copy of my credit report and find out MTB sent a delinquent notice to all the credit agencies. 
They never called me. 
They never sent the NINE DOLLARs to collections. 
I was furious, I called M and T and they refused to do anything except let me pay the 9 dollars and stop reporting the delinquent account. 
My credit will be impacted for 8 years because of this travesty, please help me. 
Because my accoutn is closed I have no paper records of this - maybe if I file a lawsuit with the bank I can subpoena them?
Bank of America closed my account that was opened for 14 years because they asked for a document that I couldn't get. They requested that I get a copy of the articles of incorporation. The company was formed in XX/XX/XXXX. I sent over what was received from the State at that time along with a letter from the IRS. The only way I became aware of this need is when they froze my account and individuals who I had written checks to said they weren't honored. Immediately I called the bank to find out the reason for this action. They said they tried to contact me which wasn't the case. I have on my profile cell phone numbers and office numbers in addition to my physical address and PO box and email address. There are no records of them calling me nor could they produce the alleged letter that was sent. When I made contact and was told what was needed I sent it to them the very night via fax. Several days later the same thing occurred again without notice. This time I went into the branch to provide the required documents. The customer service representative called and received instructions how to remedy the problem, we followed the instruction to the letter and the same things happened again the account was seized. Each of the times we presented the documentation we were then told something different was incorrect. I went into the bank on XX/XX/XXXX again to provide the documents that was requested to be then told my business account was in a locked status and no one could unlock the account. XX/XX/XXXX I was told the funds would be returned to me via overnight since the account had been closed. Per instructions of the Branch Manager I called on XX/XX/XXXX to track the status of the check only to be greeted by the most incompetent customer service representative. She then told me the funds could not be overnighted to a PO Box , which my physical address is on file. The nature of my business is affordable housing. The funds seized were funds that are to be dispersed to low income families. As a result of this situation not only have I had to pay charges for returned checks I have suffered a disruption within my business which is preventing me from meeting my financial obligations. As of today XX/XX/XXXXno one can definitively tell the status of the check which XXXX XXXX is too much money for them not to attach a tracking number of some sort to the mail. I see this as an example of " Big Banks '' doing what they want to the small businesses and we have no recourse or choice but to take it. If I could afford to take them on legally I would.