WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to submit a formal complaint about the online forms associated with ACS loan servicer. I am currently attending school in XXXX, XXXX and in doing so I have a XXXX address, bank account, and phone number. ACS does not allow for the option to have a foreign address in your personal information when filling out the In-School deferment forms, although they do allow you to enter a foreign address when entering your personal information in the " update address '' section. They also do not allow you to enter a foreign phone number and do not allow the option of simply not entering a phone number, this means that I have been forced to enter my father 's personal phone number despite the fact that he is in no way involved in my student loan re-payment efforts. As XXXX of thousands of people who are paying exorbitant interest rates to ACS for servicing a federal student loan, I am shocked and appalled that they are not able to accomplish something as simple as creating forms and protocols that work despite your location on the globe. I am also appalled that these loan servicers refuse to accept payments from foreign accounts. Forcing borrowers to pay a foreign transaction fee to transfer money into an american account on top of high interest rates is an undue burden for borrowers and should not be acceptable practice for companies that are making millions of dollars servicing FEDERAL student loans. I hope that you will take steps to correct XXXX of these glaring issues as they are certainly not in line with the globalised world that we are living in today. 
Thank you for your time. 
Sincerely, XXXX XXXX
FRADULENT CHARGES WERE MADE ON MY CREDIT CARD FOR MERCHANDISE I NEVER RECEIVED FROM AN OVERSEAS COMPANY IN XXXX. XX/XX/2017. BILLING TOTALS {$820.00}. THE CREDIT COMPANY WAS MADE AWARE OF THIS ISSUE AND WERE PROVIDED LETTERS, EMAILS AND DOCUMENTATION BY ME TO PROVE MY CASE, YET THE CREDIT CARD COMPANY HAS DONE NOTHING BUT HARASSED ME FOR PAYMENT ON MERCHANDISE I NEVER RECEIVED..
I am writing this in reference to my account. My name is XXXX XXXX a XXXX year old XXXX Florida resident who on XXXX XXXXXXXX2016 with the help of my daughter setup an online account with Capital one and deposited {$1500.00}. I have since been unable to access those funds either online or via my phone and have been unable to get the funds refunded to me or my daughter the depositor of the funds. 
As a senior citizen, XXXX and not savvy with the internet and even though I had an account in a regular brick and mortar bank was convinced by my daughter that based on her experience she could get better saving rates using an online bank and so my daughter assisted me in setting it up, however for mysterious reasons Capital one has retained those funds for over a year, refused to refund them to me or my daughter, suggested we get pop money - the service that was used to deposit the funds to reverse the funds even though pop money offers no such service after 60 days especially not for transactions that go through successfully. 
It is quite apparent my funds have been illegally seized and retained. 
Since I am on a fixed income and have had trouble paying some bills and unable to purchase some medication because of this money I have no access to because I am being denied access by Capital one, I have suffered a lot of hurt.They wont even give me my full account number. 

I have researched and seen that I am also completely protected by Florida Statute section 415.1111 and Florida Statute section 501.2077 and it appears I am being taken advantage of due to my age and XXXX. 
I would like to kindly request that the funds are disbursed and refunded to me at the address I provided on my account, the other option would be to issue the refund check or deposit to my daughter the initial depositor of the funds. If there is a problem with establishing my dentity they can request copies of my state id and or ss #, no one at the bank has requested any of that or provided that option, the only consistent message I have heard is that my money is being retained for over a year with no interest which amounts to a XXXX. 
My information is below : Name : XXXX XXXXe Zip code : XXXX Last 4 of SS # : XXXX Please let me know if you have any questions and I hope you respond to this request promptly. 

Thank you
My wife and I closed on the sale of our home on XX/XX/2016. We then moved into our apartment the following day. On the day of closing, we were advised by the title company that we should expect an escrow payment from our mortgage lender Dovenmuehle. We contacted them and inquired if the process. We were advised that we would need to send in our updated mailing address and the check would be processed 15 days after the loan was paid in full. 

I sent this information XX/XX/XXXX, through several phone calls I have had with Dovenmuehle the address has been verified and I have even received a letter printed XX/XX/2016 regarding the account details of my loan from XX/XX/2016 thru XX/XX/2016. But, I have not received my escrow check. 

My account says the escrow refund was processed XX/XX/2016. 

I have called Dovenmuehle several times regarding this issue and with no exaggeration, I have received a different story each and every time I have called. 

* I have been told the check was sent out and I would have to wait 30 days until they would resend. 

* I have been told the check was sent out and I would have to wait 60 days until they would resend. 

* I have been told a new check was sent the week of XX/XX/XXXX and would be processed within 2 business days. 

* I have been told a request was processed but could not be finalized until 7-10 days from the second check request ( XX/XX/2016 ) * On the most recent conversation XX/XX/2016 have been told I would have to wait until XX/XX/2016, and on that day I would need to call and request a new check be processed. 

There is no consistency, no accountability and a reputation of distrust has been established. I do n't know where this check was sent, but one thing is for certain I do n't have it and for me to get a letter of an Escrow Statement printed on XX/XX/2016 before I got a checked issued XX/XX/2016 lets me know here is undoubtedly a problem, one which they have given me zero assurance that they are taking care of and now they have placed the responsibility on me to make sure their information is sent correctly.
XXXX XXXX XXXX XXXX XXXX, Va XXXX Loan Number XXXX Refinance XX/XX/XXXX Closed XX/XX/XXXX During an audit of my closing documents I found that prior to refinancing the MIP was {$61.00} ( closing XX/XX/XXXX ). After refinancing ( XX/XX/XXXX ) my MIP more than doubled to XXXX per month for 10 years. This is a substantial increase and I should have been informed in writing prior to closing. 
Due to failure to disclose XXXX x XXXX =XXXX x 10 years = XXXX as opposed to XXXX xXXXX = XXXX x 10 years =XXXX. 
Therefore due to failure to fully disclose the cost of the refinance and predatory lending, in addition to misleading advertising I am requesting the return of XXXX MIP overpayment. 
XXXX x XXXX=XXXX x 4 years ( XX/XX/XXXX-XX/XX/XXXX=4 ) = {$3000.00} plus any fees. And a reduction of MIP to its previous rate. 
Please let me know when I will be receiving a check. Please see attached documents. I was told there would not be any new charges. 
When I inquired about the deficiency, I received in the mail what I consider a threatening letter from your XXXX Office which basically stated I should be grateful. 
When I tried to ask customer service about the amount of the MIP they whined and said they did not know. 
I refinanced from 6 % to 3.75 % and expected to see a 2.25 % ( {$290.00} ) decrease in my monthly mortgage payment. Instead I received only {$100.00} decrease. When I asked what my new monthly mortgage would be I got the run around and in addition I was told the loan would take 30 days - the loan took six months to close from XX/XX/XXXX to XX/XX/XXXX. I said to my self they are trying to figure out a way to defraud and you did.
I received a voice message this morning on my home phone, XXXX, from ProCollect, Inc., XXXX, TX, a debt collection agency. The caller requested that I return their call at XXXX. I have not and will not do so. 

Alleged debt of {$120.00}, as noted in a letter from ProCollect on XXXX XXXX XXXX, is for repairs to purported damages to an apartment I shared with XXXX other occupants. I responded to ProCollect by letter dated XXXX XXXX XXXX that that I disputed the charges claimed by XXXX, the lessor. In my letter, I stated that some of the purported damages were noted as pre-existing on my move-in report ( which XXXX XXXX has failed to provide ), and I disputed the existence of others. I requested a move-in joint walk-through from XXXX when I occupied the premises on XXXX XXXX XXXX, and a move-out walk-through was also requested on XXXX XXXX XXXX. Both requests were denied. My XXXX roommate who was still in the apartment on XXXX XXXX also requested a move-out inspection on that date, and was also denied. Since there was no documented joint agreement on the premises ' condition at move-in, and refusal to do a joint inspection at move-out, XXXX unilateral claims as to damages are without merit. I also requested refund of my security deposit in the amount of {$100.00}.
I tried to withdraw the amount of XXXXEUR from my account at Coinbase on XXXX XXXX. They sent me an email mentioning that the withdrawal was initiated and the money would be appearing in my bank account by XXXX XXXX ( plus extra 2-3 working days maximum for my bank to process the deposit ). However, nothing has appeared on my bank account so far. I 've lodged couple of support requests to solve this ( one made on XXXX XXXX, other on XXXX XXXX ), and tried to contact them through their XXXX account starting on XXXX XXXX, yet had I received no answer from both channels. All the dates/time mentioned above are in central european summertime.
halsted financial services, keeps calling XXXX to XXXX times a day attempting to collect a debt, but i have not receive any mail about it, i refuse to give my ssn or any other information over the phone with the till i receive something by us postal service. i would like the calls to stop and my name and information removed from there system, and if they have affected my credit i would like that removed as well.
On XX/XX/XXXX I submitted a dispute to my credit report to Experian. I received a response in XX/XX/XXXX and, on XX/XX/XXXX, I requested that Experian provide me details about how they had allegedly verified information in that report. I specifically requested information I am entitled to under the Fair Credit Reporting Act such as name and contact information of the person at each creditor who verified the information. I received a notice from Experian that since I had not submitted any new information, they considered the investigation closed.
Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a Credit application. 

XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX
Was contacted by someone from a XXXX XXXX trying to collect on a loan. When I asked for more information, they threatened to call my work. Later, I ended up seeing a {$200.00} amount on my credit report from a payday lender. This lender was not authorized to make loans in my state and I did not make the loan. I am unable to get validation for the loan or debt. This is n't even someone who does business legally in my state. 

Collection is showing as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Calls to the company get directed to a person/line that is never answered once the receptionist answers. One letter sent 45 days ago was unresponded to.
I have loan with Sallie Mae and I got behind they dont want to try and help reduce my payments they call constantly and have been contacting people that I am in someone associated with leaving them a bunch of messages as well ... I try to pay with them and they pretty much set me up for failure and I am soo sick of dealing with them ... they call one of my husbands cousin whom we are not close with at all. Its getting ridiculous.
Experian : Date : XXXX XXXX, 2017 Report # XXXX Former or Current Employers On my credit report is missing one of my current Employers for over 2 years XXXX XXXX XXXX. Phone # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have given my Employer address as well as a check stub from them
I have contacted XXXX XXXX regarding account XXXX on 3 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failey to verify according to law. This collection company is damaging my credit file and cant provide legal proof. I have also informed them that I am a victim of identity theft and this account is a result of identity theft.
This debt is not valid it meets FCRA requirements - I have not been notified about this debt - it keeps on re appering on my credit reports
At the end of XXXX, my XXXX XXXX XXXX, a loan I had since XX/XX/XXXX, with a fixed rate of 4.25 %, was bought by XXXX XXXX to administer. 

I did n't notice it at first but several months ago I realized my interest rate was changed to variable and now sits at 5 %. 

Furthermore, I could no longer access my XXXX account, which, having signed up for paperless accounts, meant I could no longer access my monthly statements. I have auto-debit, so I often would n't check statements, hence why I did not notice my rate change and the following. 

Shortly after I signed onto the XXXX XXXX website I say my amount due and thought, that my account balanced seemed higher than what it had been in the last year at XXXX. I requested all the information XXXX had on my old XXXX XXXX XXXX data and I finally got it. After painstakingly transferring the data into XXXX and performing all the necessary calculations ( which I can only thank my XXXX in XXXX, to be able to even go this far ) I have discovered my hunch was right. 

I have, in essence, have had one full year of payments removed from my balance ( as if, I 'm paying from the start of XXXX again ). While my loan is not large compared to others the amount is still enough to make me angry at the banking institution for their clear negligence and makes me all the more concerned for my fellow borrower who nationally carries a larger debt than I. The amount difference in question here is {$1200.00}. That is still the equivalence of one full year of payments. The current balance is {$12000.00} while the real value, using the ending balance at XXXX and what I paid to XXXX, actually is {$11000.00}. 

To be clear, in my calculations, I added the unpaid, accrued interest before my first payment six months after XX/XX/XXXX, which includes the first disbursement at XX/XX/XXXX and the second at XX/XX/XXXX. 

I have paid a total of {$11000.00} of which {$5100.00} went towards principle and {$6200.00} went towards interest. Of the total paid, {$1100.00} was above the minimum due and was selected to pay off principle ( mostly done during the first couple of years - to help reduce the loan quicker ).
I was injured on the job. Worker 's Comp paid most of the bills. This bill was submitted to a collection agency. I have told them numerous times it was a Worker 's Comp claim & not my responsibility. They continue to contact me for payment.
back in XX/XX/XXXX I trade in a XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX to XXXX, TX XXXX and was told by the dealer not to make XXXX payment because it would mess up the pay off amount. I also at the time did have possession of the XXXX which was being financed through XXXX XXXX. Needless to say I looked at my report and XXXX XXXX had me reported as delinquent for the month of XXXX despite the care not being in my possession. I disputed it twice with XXXX XXXX with no resolution. I also disputed it with experian and they came back saying XXXX XXXX is correct despite it showing on my credit report that I had another at that time frame. I call experian about this issue and they told me that XXXX XXXX was responsible and then I called XXXX XXXX and they placed the blame on the dealership. I feel that I have been the one did wrong during this situation. both companies were paid and I had something negative placed on my credit report.
I own a property at XXXX XXXX XXXX XXXX XXXX fl XXXX. In XXXX, I received a letter saying that XXXX, XXXX was taking over that mortgage and my other mortgage at XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. 
The letter stated that nothing about the mortgages at all would change. 
I had the house at XXXX built and was built on an elevated lot in XXXX. From XXXX until my mortgage was transferred in XX/XX/XXXX, no flood requirements were needed as the house is elevated. XXXX assumes the mortgage and says that FEMA remapped in XXXX and now requires flood. I contacted FEMA and they said that wasnt true ... .it was not remapped in XXXX. I told XXXX this and they said FEMA was wrong and that I had approximately 25 days to get flood insurance or they would place a {$2600.00}. flood policy in escrow against my mortgage. I re-contacted FEMA and they advised me to submit a removal request. FEMA said this process usually takes 60-90 days after I get them info from the flood plain manager in XXXX. I called/emailed/contacted XXXX, asking them for an extension and never heard back. I tried more than 20 times to reach XXXX concerning this matter. NO reply from XXXX. 
Since I didnt hear back from XXXX, and felt that the {$2600.00}. was an extreme amount, I purchased my own flood policy for {$360.00}. I emailed them asking if they received it in time and they said yes. Both myself and my insurance agent sent this to XXXX. XXXX still placed an additional 2nd flood policy against my mortgage. They are now trying to do this with my residence at XXXX XXXX XXXX XXXX. When I emailed them to figure out why they are doing this, they replied that they would get me an answer in about 30 days! 
I have had and flood policy for years at that address. SPS are requiring 2 policies per property. They want {$2400.00}. for that policy ... I paid a little over {$310.00}.! 
I can not reach anyone to provide me answers. 
Can someone please assist me with this? I have close to 60 hours involved in this and zero answers. 
Thank you.
In XXXX I received a voice mail from the " Litigation Department of Cohen And Associates.Stating That XXXX Bank was taking me to court that week and once a verdict was found against me my wages could be garnish and even bankruptcy would n't relieve me from the debt. So I called Cohen & Associates and was transferred to the " Litigation Department '' and a very authoritative XXXX XXXX XXXX, tells me that unless I make a payment immediately his lawyers were going to go before the judge and get my case on the docket. I have a settlement letter from him saying that XXXX bank is suing me for over {$4000.00} ... The original debt, plus interest plus, & court fees. I do n't know how to get representation XXXX, XXXX where XXXX XXXX XXXX told me my case would be presented XXXX, when I now live over XXXX miles away. So I begged and borrowed and came up with {$1000.00} and settled the debt with XXXX XXXX Bank. Then to my surprise I begin getting multiple letters from other collectors collecting on this same account. I send them my settlement letters and they ca n't understand why I paid XXXX when my total debt is only XXXX. I finally get in contact with Cohen and Associates, but no XXXX XXXX XXXX this time, only to be told that there was a clerical error, XXXX XXXX XXXX had entered the wrong account on the paperwork, the {$1000.00} settlement really being applied to a XXXX account from 2007 and he will gladly send me an updated Release of Liability With the correct account number. I understand that I may owe XXXX but Cohen and Associates did n't even own the XXXX Account so how could they represent it on their paperwork. Not once in any of my communications with Cohen Associates was XXXX mentioned. I believe that i was threatened falsely, grossly misled and right after I made this payment I got a letter from another collector offering a settlement on the same XXXX account I was told I had settled for XXXX. At that point I could n't pay anyone anything, and now that settlement offer is no longer available, I believe I was done so wrong and Cohen and Associates grossly misled me and something needs to be done.
I requested an accommodation/modification of assistance with participating in the dispute process related to a fraudulent transaction. This request was made under ADA Title III. The request has been ignored by Discover in violation of ADA Title III.
**PLEASE READ** THIS IS NOT A DUPLICATE. 

Santander says XXXX  changed the account status to " Closed '' on my credit report because there was an open investigation. They told me to contact XXXX. XXXX  told me that they did not change the status, but Santander is responsible for reporting the correct info to them. They opened up a dispute for me and sent it to Santander, but it came back as verified as accurate. See two screenshots. 

SANTANDER, PLEASE REPORT TO TRANSUNION THAT THE ACCOUNT IS STILL OPEN, AND UPDATE THE BALANCE. THIS IS AFFECTING MY CREDIT SCORE. THE PERSON WHO HANDLED THE VERY FIRST CFPB COMPLAINT FIXED THE STATUS AT XXXX, SO IT IS POSSIBLE. THE STATUS AT THE OTHER TWO BUREAUS IS CORRECT SO PLEASE DON'T CHANGE THOSE.
My child support payments come directly out of my check every month and has been for several years but the credit bureaus had been reporting late payments to my credit file dated back as far as 2012 and this has hurt my credit.
In XXXX I entered in Bankruptcy Ch XXXX. 
In XXXX I looked into my credit after being refused a job based on my credit report and found that 1 account was still showing as a collection, and was also updating the amount with added interest. I disputed this with XXXX  and they deleted it because it was being reported incorrectly. I have disputed this account 6 times including 1 reinvestigation, the next and last dispute included the paperwork from my bankruptcy attorney as proof to them and within 1 week I was told again that I was wrong. I understand the 30 days to respond but they do not seem to take the time or willpower to actually report this account correctly. This collection along with bankruptcy has cost me in high insurance payments and the ability to obtain employment.