WillisBack/dataset-financial-user-claim huggingface dataset:
I closed my mortgage with Lakeview Loan Servicing LLC on XX/XX/XXXX. 
After being paid in full, my escrow balance was {$5300.00} and I have yet to receive those funds more than 2 and a half months later. The first check sent to me bounced and I still have yet to receive a second check as of today, XXXX. 
Is this company in violation of RESPA guidelines? Am I entitled to compensation of interest or late fees on my money that they are playing with? 
I would like this complaint to be on file with this company so that this mistreatment and inconvenience to me is documented.
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company SYNCB/XXXX XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
I mistakenly submitted a bank account transfer to another bank account ( an ACH " push '' ) twice, the second of which would have resulted in a negative balance. As soon as I realized my mistake less than 24 hours later, I made an attempt to cancel the second transfer. The bank would not allow me to cancel it even though it had not processed. Instead, I submitted a transfer back into the account to fund the second transfer, such that I would not be charged any fees. 

As a result of this single mistake, I was charged {$130.00} in returned item fees, despite a bank policy of automatically refunding the first returned item fee in a year. Even so, the posted returned item fee is supposed to be {$33.00}, not {$130.00}. I can not comprehend how a single transfer in error, which was corrected before any fees were charged, would result in four times the posted fee.
On XX/XX/XXXX I came into a BMW Dealer and leased a vehicle for which I gave consent to have my credit pulled. However, based on my XXXX credit report it appears to be that I have a total of 3 hard inquires that originated from the same place when there should only be one, Here are how they are listed as follows ( The only valid inquiry would have been from BMW FINANCIAL SERVICES on XX/XX/XXXX which is who a leased my vehicle through and also the date I made the request ) : Inquirer Name : XXXX BMW XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Automobile Dealers, Used Contact Information : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquirer Name : BMW FINANCIAL SERVICES Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Auto Financing Companies Contact Information : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquirer Name : BMW FINANCIAL SERVICES Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Auto Financing Companies Contact Information : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
I was contacted by XXXX XXXX XXXX XXXX more then 5 times a day. Finally when I was able to answer from getting home from my XXXX job, the employee told me that if I didnt pay my bill that I should get my suit pressed and prepare for my day in court. That it would be a long time before I was able to live a normal life because in their words " dead beats are dead beats '' It was a horrible call and my XXXX children heard this as it was on speaker phone while i was making them dinner. They cursed at me and told me I was a loser. Please help me and prevent them from doing this to other hardworking people.
NATIONAL CREDIT SYSTEMS INC ACCOUNT NUMBERs : XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you NATIONAL CREDIT SYSTEMS XXXX any company associate with this account # and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : NATIONAL CREDIT SYSTEMS INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
My spouse and I both have student loans that are serviced by Navient. I co-signed for my spouse 's loans. My spouse is an XXXX XXXX XXXX who had a portion of his loans repaid pursuant to the XXXX loan repayment program. In XXXX XXXX, Navient misapplied a payment received from XXXX and mistakenly paid down my loans instead of my spouse 's loans. The mistake was discovered in XXXX XXXX. To correct the error, Navient removed the XXXX {$30000.00} payment that was applied to three of my loans. It has not yet credited my spouse with the {$30000.00}. The issue I have is that Navient has now put me in a delinquent status ( having allegedly missed 33 payments even though no payments were due XXXX. They " may '' have assessed late fees against my account dating back to XXXX, and have also assessed interest dating back to XXXX. That is not right. Navient made the mistake in XXXX, and now they are asking me to pay for it. Had they not made the mistake, I would have been making payments and paying off the principal and interest. My account history for the loans shows no activity between the time the XXXX payment was misapplied and now, so I have no idea what their reasoning and legal authority is for placing the financial burden of their mistake on me. I am assuming Navient will reapply the {$30000.00} it received from XXXX in XXXX to my spouse 's account, but I question the manner in which they will do it. They should back date the payment to XXXX and only charge interest going forward from now for the corrected balance, but we will see.
I have a home mortgage loan at JP Morgan Chase. I am the sole borrower on the loan. My son filed bankruptcy and listed my home as his primary resident. He does live at the home. Chase filed an objection to the Chapter XXXX Plan and subsequently withdrew the objection. On XX/XX/XXXX the court ordered that the claim of JP Morgan Chase was disallowed in its entirety. 
JP Morgan Chase stopped my automatic payment plan on my loan which resulted in a higher interest rate as I could not take advantage of the automatic payment reduction in interest program they offer. I have paid more interest on my loan since XX/XX/XXXX. I have called JP Morgan Chase on numerous occasions and they indicate they can not change how my loan is listed as they are protecting my son from eviction. 
This process by Chase makes absolutely no sense to me. l am being penalized for something totally out of my control. My son is on the title to the house but is not on any loan document as a borrower.
It is my opinion that CitiBank is engaging in XXXX discrimination in at least this instance, both in how a compromised XXXX card was handled, the charges for expedited replacement and approving only {$22000.00} of a requested {$25000.00} credit line increase with income identical to my husband, and credit scores either identical or nearly identical to his. His was granted, mine was not. My husband 's card was compromised on XXXX/XXXX/16 and a replacement card was sent next day air at no charge, without him asking. My XXXX was compromised on XXXX/XXXX/16 and I was told I would receive a replacement card in XXXX10 days. When I asked why my husband 's was sent next day air, I was told there would be a {$6.00} charge for expedited delivery. I elevated the call to a supervisor who was to see it would be sent at no additional charge. After contacting CitiBank subsequently about the discriminatory {$6.00} charge and demanding that it be removed as an error and not as a courtesy credit, it ultimately was removed as a courtesy credit. Evidently, CitiBank felt it could properly discriminate by charging this {$6.00} fee and correcting it as a " courtesy '' rather than as an error as requested. I requested a credit line increase on, or about XXXX/XXXX/16. My income is identical to that of my husband and the attached XXXX scores for each of us as of XXXX/XXXX/16 show mine at XXXX and my husband 's at XXXX. The credit scores of XXXX and XXXX for my husband and myself are equal, or essentially equal. Ages are the same, the only significant difference is XXXX. CItiBank has denied any discriminatory action, but can not explain either the difference in how our compromised cards were handled, nor why my credit line increase request was not fully approved, as was my husband 's.
Failure to send monthly mortgage billing statements to me for six years, nearly the entire time of Wells Fargos servicing of my mortgage and refusal to send such statements, claiming that they are not required to send monthly statements. 
Failure to provide to me substitute monthly mortgage billing statements and refusing multiple requests to provide substitute replacement statements. 
Failure to send mortgage modification paperwork to me in a timely fashion such that it expired one day after receipt in order to prevent adequate review time and consideration of the modification provisions and time for consultation with an advisor or attorney for legal review and to submit for the modification. 
Filing a foreclosure action against me under the false allegation that my home is not owner-occupied in order to avoid providing normal mortgage resolution processes and procedures and relief such as mediation, repayment plan, forbearance agreement or modification, and toe take my home under the false statements that my home is not owner-occupied. ; Substituting Wells Fargos identity on my utility account in lieu of my identity ; Cancelling my mail delivery by telling the United States Postal Service that my home is not my home and that my home is not owner-occupied ; Replacing locks on my door and locking me out now for four months without providing a key and a letter of authorization of entry as required by police so I do not get arrested for trespassing into my own home ; Not recognizing my lawyer by claiming that my lawyers letter of representation was insufficient
I called The CBE group at XXXX XXXX XXXX XXXX in XXXX ia XXXX about a debt there collecting from XXXX I ask them if I would settle up would they take it off my credit they said no ... I ask why they said they could n't ... oh yes they can I no they can I want to file a oplaint against them
I contacted this company about a debt reported to my credit. They are saying that it is a perkins loan, yet my school has no record of me owing any perkins loan. I asked the company for the original loan number so that I can give my school the loan number to dispute it, and they do n't have that either. My school told me to dispute it, and if they are working with them on it, then they will update it. THey are saying that they will take weeks to remove this from my credit if my school updates them. They are telling me that I have and asking me to prove that I do n't have the debt, when they ca n't even prove that I have it. 

They asked me to send over proof that the particular loan is in deferment, but I just realized that I ca n't do that because they ca n't even furnish me with information about the specific loan to do that. I am not going to send them a list of all my loans. In addition, there is no specific loan number so how will they match what I send with what they have? It 's like they are trying to collect information to report, something is not adding up. It makes not sense for me to call for a debt that I know I do n't owe. They were asking me who I spoke to at my school, but if my school is the original creditor should n't they know that. Also, my school said that there is a holder of the perkins loan, yes it goes through the school but they do n't actually give the loan themselves. 

I want this account removed from my credit because I never received such information about this loan from my school or from this company. I do n't want to wait while they are investigating this, because it is not correct. My school does n't have me owing any loans, and they have all loans updated and reporting as deferred. This company ca n't even give me information about the original creditor. I believe this information is incorrect, this loan that they are trying to collect does not belong to me, and there is no record of it since they ca n't give a specific loan number for me to provide to my school. I believe they as with most collection agencies they probably somehow caught wind of loans that were behind about a year ago, but they were updated and they were all deferred. Please remove this from my credit immediately. 

They need to send proof that my school is reporting this to them. I asked them who the contact is of the original creditor and they will not give me that either, it sounds really weird, especially since my school does not have record of this collection. Please delete this from my report as requested. Someone should not be able to report such a debt without proof from the original creditor.
I have submitted several request to XXXX Transunion and XXXX as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been XXXX days late. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency.
On XX/XX/2018, I agreed on a {$500.00} loan with XXXX XXXX XXXX. 

On XX/XX/XXXX, I had a minimum payment due for {$150.00}. I emailed and asked XXXX XXXX ( person who handles my loan ) how much my final payment would be if I want to pay {$300.00} instead of {$150.00} on XX/XX/XXXX. XXXX said after the {$300.00} is sussesfully in ( if I agree to pay {$300.00} ), the system will calculate and give the amount for final payment which is due on XX/XX/2018. He said the final payment would be {$360.00}. I havent agreed or authorized for {$300.00} to be made but {$300.00} was withdrawn on XX/XX/XXXX instead of {$150.00}. I didnt complain about it because it was what I wanted to pay. 

- On XX/XX/XXXX, i emailed XXXX to make sure the final payment I have to pay on XX/XX/XXXX to have to loan paid off. He emailed me back telling me the final payment would be {$450.00} ( instead of {$360.00} he told me ). I and XXXX were still in the middle of the confusion about why the final payment is way more than what I was told after I paid {$300.00} for the first payment. I never received a reply from XXXX. 

On XX/XX/2018, {$150.00} was withdrawn from my bank as the minimum payment due. I emailed XXXX and asked him why {$150.00} was withdrawn when I and he were still trying to work the final payment out. I wanted to pay it off not minimum payment only. He replied {$150.00} was withdrawn as the minimum payment due because there was no confirmation that I wanted to pay off with different amounts. I asked him then why my first payment was {$300.00} without my confirmation. He keeps denying it and blame on the company system - and he told me he talked to his manager and I can pay off the loan tomorrow in the amount of {$290.00}. 
In conclusion, I cant avoid the final payment in the amount of {$450.00} or higher ( even tho he told me it would be &
This company promised to delete items from my credit bureau files in return for payment in full on XXXX medical accounts. They promised to provide written documentation and electronically delete the items immediately. They never sent the deletion letters as promised and demanded I send a self addressed envelope fro a " second mailing '' per the company policy. I have received the letters for my records but the items remain on my credit files months after the agreement and payment.
I was told i was denied a loan modification because i had one in XX/XX/2009 after the mortgage crisis and i was on a balloon adjustable rate and because of make your home affordable, my mortgage company had to help me. Now they are denying me assistance with a modification
Respected XXXX Please help as I am being harassed by these credit bureaus as they are not being fair in their reporting. 
Initially when I was doing short sale and loan modification, XXXX Bank had promised us it would not reflect on our credit reports and the only way the Federal law would allow us to " short sale '' or do " loan modification '' would be by missing payments for XXXX 6 months It has been XXXX 2009 and more than 7 years since the short sale of XXXX XXXX XXXX, XXXX XXXX and a similar amount of time since the late payments for loan modification for XXXX XXXX XXXX XXXX XXXX XXXX, but all the XXXX credit bureaus refuse to remove this information inspite of repeated requests, written letters etc. This is adversely affecting our credit reports and scores and we are ending up paying very high monthly mortgage for our primary residence. This is very unfair as all this information per law should be removed once it is 7 years old and any late payment information once its 2 years old, and this is because they repeatedly called and asked us to do it. 
Please see attached letter Due to this reporting my credit score has suffered for past 7 years and I have been paying an APR of XXXX when I can be easily eligible for an APR of XXXX or XXXX for the same Jumbo loan on my primary residence XXXX, XXXX XXXX XXXX, XXXXXXXX The extra money will help secure my child 's future and education and my wife and child 's security as I am the only earning member of the family I recently had XXXX XXXX at age XXXX and Thank XXXX I am completely XXXX free and expect to live a normal long life for XXXX XXXX years XXXX willing. 
However at this point I XXXX and need help from the Federal agency such as yours to correct these issues which are not fair. I know colleagues making much less and recent grads but because of their credit score they got much lower rates. My Child and family are entitled to the same level of security and I need your help I have been trying to refinance my mortgage for past 2 years and after months of paperwork am given the run around. 
All I can request is to please help and have the credit bureaus be fair and remove the negative information from all XXXX reports because in the first place I was promised they would never go on my file and second place it has been more than 7 years since the short sale and more than 2 years since any late payments. 
Please help resolve this as soon as possible, I have XXXX banks in their final stages of refinancing but are giving me higher rates just because of the negative information on my credit reports XXXX Keeping an excellent credit is my number XXXX priority SSN XXXX Thank you and sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
I have a debt in the amount of {$500.00} for a XXXX XXXX Credit Card. I was contacted by Portfolio Recovery Associates and I agreed to pay amount owed if {$500.00}. I completed the transaction via my on bill pay. Payment was completed on XX/XX/18. I was contacted by their collections agent again days later saying I still owed that amount. I explained them to how I made payment and provide the transaction ID and trace number confirmed by XXXX XXXX. Over the past 5 days they have contacted me and demanding me to pay them until they complete their research. They insist that I just " Pay me and then it will be done for sure ''. I asked to speak with a manager and I spoke with XXXX XXXX ( XXXX ) and then XXXX XXXX ( XXXX ). I provided the document from my bank again showing proof of payment. XXXX informed that this document wouldn't matter even tho my bank confirmed this is proof of payment. XXXX gave me two different email address when I asked for and when she did get the email on ( confirmed delivery and receipt ) she read my account number and confirmed it was the same on payment form. I have called to try to resolve but, they give me the run around. I paid the debt, I have confirmation of payment but, no honest results from them or XXXX.
I was offered concert tickets on XX/XX/19 in exchange for {$30.00} via PayPal. But as soon as I transferred the $ XXXX {$2.00} service fee, the scammer blocked my account and did not deliver the tickets.
I originally was contacted via phone by a payday loan office calling for an XXXX? I figured they would get the hint when they called my voice mail the message says XXXX, NOT XXXX, that they would figure out they have a wrong number. Now I have a collection agency calling me at least once a month. I never went to or took out any loans with any payday or quick cash establishments. XXXX.
I sent a money order of a {$100.00} for payment of a charged balance of {$150.00}. When I received my new stated I saw that the {$100.00} was never credited to my account. I wrote Synchrony Bank/ JC Penney 's They wrote back that the charges were correct. I wrote Synchrony Bank/JC Penney 's back sending them documents showing that the {$100.00} was never credited to my account.I always paid my credit charges in full except for that month, I carried a balance of {$51.00}. I paid the balance I knew I owed, waiting for Synchrony Banck/JC Penney 's to fix the mistakes. They did nothing, but charge me a late fee of {$25.00}. plus {$14.00} charge : I do n't know what for plus {$3.00} interest charges. In the meanwhile, I returned a item, creating a credit {$28.00}. I noted on the documents I sent Synchrony Bank/JC Penney 's, that the previous month 's balance was paid in full. I made no new charges, where are these charges coming from. The documents clearly shows their mistakes. Either Synchrony Bank/JC Penney 's never looked at the documents, they do n't how to do their job or my charge card is being padded. I am XXXX of those customers who pay off their balance in full every month, but that XXXX month. 
I would like the {$100.00} to be credited to my account like it should have been. I want any further charges ... late fees, interest and other miscellaneous charges removed from my account.