WillisBack/dataset-financial-user-claim huggingface dataset:
your company failed to provide the required notice of additional required documents within XXXX ( XXXX ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). 

We are happy to provide any requested additional documents to complete this client 's loan modification review. It is improper, however, for you to deny this application based on a determination that the application is incomplete. Please suspend foreclosure during this appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).
XX/XX/2018 Funds withheld from my payroll by XXXX XXXX XXXX, affiliate of XXXX XX/XX/2018 Immediately filed complaint with XXXX  because funds had been illegally garnished-what they had designated as loans were actually TEACH grants that I am in compliance with XX/XX/2018 Response from XXXX/ECMC indicated that funds garnished would be refunded to me in compliance with terms of bankruptcy XX/XX/2018 Filed for Bankruptcy in District of Columbia, XXXX XX/XX/2018 Bankruptcy, chapter XXXX, granted XX/XX/2018 I contact ECMC to ask why they are collecting on a TEACH grant that I am in compliance with XX/XX/2018 I contact the Ombudsmans office at the US Department of Education seeking assistance in resolving this issue as I am one of thousands of XXXX across the USA that have been jeopardized by the immoral and illegal practices of this company. The Ombudsmans office indicates that I need to resolve the matter with ECMC/XXXX  directly. 
XX/XX/2018 XXXXECMC and affiliates indicate to me that they will send me a form to complete and submit in order to request a review of my file BUT they continue to " collect '' on a TEACH grant XX/XX/2018 Form arrives from ECMC/XXXX  and affiliates, I have completed form and am submitting it via their customer service email address
Submitted paperwork regarding wage garnishment XX/XX/XXXX. Without notice to me my wages were garnished beginning XX/XX/XXXX Agency said they sent me the information XX/XX/XXXX. They did not. I did not receive the decision until XX/XX/XXXX and that was through email from XXXX after I complained. The information on the XX/XX/XXXX paperwork has changed significantly. The XX/XX/XXXX paperwork said I had 15 days to appeal. Obviously, the 15 days had elapsed XX/XX/XXXX. I have not moved. It would be in my best interest to respond in a timely manner. I did not receive the information. Everything I send XXXX is sent certified mail return receipt requested to avoid these issues. XXXX should do the same. However, I do not believe they sent it to me. I made contact with EOS-CCAand they said they would get back to me. I have not heard from them. Not only are my wages being garnished but now my social security is being garnished which I had to take 4 years early to cover the {$600.00} a month they are taking from my wages. With the social security garnishment they are now receiving almost {$1000.00} per month. I am single, XXXX years old and have raised my now XXXX year grandson since he was XXXX old with very limited financial support from the parents. XXXX only considers what they think your expenses should be not what they are. I have offered to pay {$200.00} per month until I die but XXXX will not accept that. The whole system is confusing, non-responsive and not dealing in real world income and expenses. People do not return calls. People do not know how to help you and they do not take your personal circumstances into consideration when reviewing documentation they have been given. In fact, they completely ignore anything they have been provided other than their paperwork you have filled out. There is no way I can afford a garnishment of 15 % if the information I provided was reviewed. I have sent my story to various government and social service agencies. I have sent my story to various government employees including senators. I have sent my information to various media outlets and have been contacted XXXX. I urge anyone else suffering from the burden XXXX mismanagement to write their own stories so attention may be paid to the fact that we are people with lives not just a number.
Wrongdoing Party : CHASE CEO/President : XXXX XXXX Executive Office XXXX XXXX XXXX XXXX, Ohio XXXX Mail stop : XXXX I opened an Amazon.com VISA ( CHASE ) approximately XXXX, 2016. The credit card no longer works, and phone calls with CHASE proved to be useless. CHASE does not have any record of the account, any record of my name, and any other records related to the account. CHASE did NOT notify me in any way that the card was being cancelled since it was originally issued. CHASE will do nothing to reissue or replace the card. This is as a minimum unethical business practices and possibly even breech of contract. There was also no other correspendence with CHASE other than a bill for a text book. <P/>Please order CHASE to issue a new card, and order then to pay {$400.00} for damages expended to date to resolve this problem. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I submitted a dispute to ChexSystems a little over a month ago. I called this evening and they have no record of it. Needless to say, I am not to pleased right now. Attached is the information that they sent me and I disputed everything. Also attached is the letter that I sent out to them today with notice that I will be filing suit if the information was not removed from my report immediately.
Syndicated Office Systems is violating Federal Law, the F.C.R.A. by attempting to extort monies/payment from me ( XXXX ). I have NEVER signed ANY agreement, or documentation with them, and do n't know who their organization is! 
Furthermore, in claiming this erroneous suppose debt they have violated Federal Law ( F.C.R.A. ) bt NOT providing the original document signed with them ( Syndicated Office Systems ) that they are claiming is attributed to the debt, nor even any amount of the debt to include interest, and fees associated with this attempted extortion. 
Until the above mentioned is provided this erroneous collection extortion attempt needs to be IMMEDIATELY removed from my credit report.
I graduated back in XX/XX/XXXX and have been through a number of financial ups and downs. Navient or XXXX XXXX never gave me the options of an income driven based repayment plan. I bought a business back in XX/XX/XXXX and try to complete the minimum payments when I can. My loan has only gone up since I graduated and they only let me defer my payments. My credit score has been affected greatly by this because at points it becomes a burden to pay for something that the bill does not go down on and so instead of going down it always reports the bill going up. I rather invest into my business then throw money at a loan that never goes down. They have me at XXXX different loans at 6.8 % interest on each. When these loans were done I was unaware of the affect that this might have on my future. This loan is the only thing that has held me back from buying a house or car. I have written letters that stated I did not think the loan was fair and that unearned interest was being added on and they assured me everything was being handle correctly. They didnt give me much information.
I was recently online looking to get more information on health credit and i believe they handled my information wrong and used my information as if i were to apply for a company titled SYNCB / National Cred Cards Airlines and I don't seem to recognize it.the only time I used my information to ( not apply for a health credit card was when I was on the Care Credit website ( for the health credit ) to apply for more information. I am fairly new to building my credit and I notice it hit a hard inquiry on my account and brought down my score. Unfortunately I have no memory of apply for a credit line with SYNCB ( Care Credit ) I do recall going on their website and applying for more information regarding pricing. All I'm asking is for this inquiry to be removed because I'm trying to build my credit and I understand its a learning process but I do not understand why they didn't notify me it will affect my credit if I were to apply anyways. Which in my case I think they handled my information wrong & I would like to be forgiven for the recent score it dropped on my account.
Nationstar is reporting my mortgage as delinquent from the time they acquired it from XXXX XXXX XXXX in 2013. I 've paid every monthly payment via auto pay on or before the due date since I was first notified of the change in ownership. Nationstar has called since the first month and continues to call me on my home & cell numbers repeatedly asking for payment. I have spoken to them numerous times along with providing them with documentation of my XXXX Statements and printouts of their account transaction history. Each time I do this they acknowledge that the account is in good standing and should have been from the onset. However, within a few days they are calling again and then continue to report the account as delinquent. In addition, Nationstar has sent appraisers to my home on no less than XXXX occasion to appraise the home and claim that it is abandoned, even though this is our primary and only residence and is never left untended for more than a few days or week during family vacations. I personally confronted XXXX of the appraisers when they were leaving the notification and asked how they could claim the home as abandoned while we were even in the home and he stated that he was instructed to do as such. These notices are with my personal attorney. Also Nationstar has terminated my auto payment at least once, via letter stating due to multiple delinquent payments they were terminating Auto Payment. I immediately went back in and restarted in time for the monthly payment to arrive prior to the due date. However, I do think they will terminate again. Unfortunately their practices have seriously impacted my credit score, it 's currently between XXXX to XXXX with multiple 30 day lates from Nationstar. This is prohibiting me from refinancing away from Nationstar in addition to increasing my rates for other loans like Auto and preventing me from getting any new credit. I have also reached out to the CT Attorney General to request their assistance with this matter and would greatly appreciate any assistance your office can provide. Please Help! Thank You in advance.
Capitol One Mortgage claims in XX/XX/XXXX FEMA notified them that my house was now in a flood zone. Told them my house had not moved nor had the river. They did a forced-placed insurance policy for {$3000.00} a year flood insurance, due to me not providing proof of flood insurance for XX/XX/XXXX they again forced-placed flood insurance and added the cost of XX/XX/XXXX and XX/XX/XXXX coverage to my monthly payment in XX/XX/XXXX. Which doubled my monthly mortgage payment. When inquired how they determined my house had managed to move itself into a flood zone they said FEMA notified them and gave FEMA 's XXXX number to inquire myself. I contacted FEMA, who advised that my home was NOT in a flood zone. They did n't understand how Capitol One would think I was. FEMA sent me their maps showing my residence was indeed in the " XXXX ''. Provided the maps to Capitol One who said the maps were n't enough proof, regardless of the fact that the map shows its from FEMA. The required a LOMA. Asked why I had to get an amendment since their was nothing to amend due to my house NOT moving into a flood zone. They did n't care they demanded a LOMA letter before they will consider removing the forced-placed flood insurance. The LOMA takes up to 60 days to get, I filed request on XXXX/XXXX/XXXX. 
The adjusted mortgage payment did n't start until XX/XX/XXXX, I made what I know to be my normal mortgage payment on time, they refuse to credit it to my mortgage because according to them it is n't the full payment. So they have my money and are just " holding it '' Well it 's my normal mortgage payment the part I have n't paid is their insurance payment. I have n't made " my normal '' payment for XX/XX/XXXX yet because I pay on the last day of the month and they are already threatening foreclosure.
I am the holder of Zion 's Bank ( " Zion '' ) checking account number XXXX. 

I DO NOT HAVE OVERDRAFT PROTECTION. 

Perusal of my bank records reveals a selective approval of charges, mostly amounts fewer than {$10.00}, which incurs {$32.00} overdraft charges. 

Since I do not have overdraft protection, the approval of funds is purely discretionary. The bank continues to approve charges which are of a lesser amount to maximize the profit gained via {$32.00} fees. 

In fact, the bank willfully and deliberately ignores its own policy enshrined in contract that " forgives '' overdraft charges where the amount in question is fewer than {$10.00} I have filed multiple complaints against Zion and  even secured a {$190.00} settlement. However, it now appears that the bank is engaging in retributive action and endeavoring to recover the settlement amount ( and much more ) by punitive imposition of fees. 

Throughout XX/XX/2018, I have paid {$380.00} in overdraft fees. I REPEAT, I DON'T HAVE OVERDRAFT PROTECTION. Thus, each and every transaction approved while my account lacked sufficient funds was purely discretionary. EACH AND EVERY TRANSACTION IN QUESTION WAS FEWER THAN {$10.00} WHICH BY THEIR OWN POLICY SHOULD NOT INCURR FEES. 

Throughout XX/XX/2018, I have paid $ XXXX overdraft fees. I REPEAT, I DON'T HAVE OVERDRAFT PROTECTION. Thus, each and every transaction approved while my account lacked sufficient funds was purely discretionary. EACH AND EVERY TRANSACTION IN QUESTION WAS FEWER THAN {$10.00} WHICH BY THEIR OWN POLICY SHOULD NOT INCURR FEES. 

Zion is engaged in a willful and deliberate pattern of behavior whereby minor charges are approved in a bid to maximize Zion 's earning through the OverDraft fees process. And this pattern persists even with the accounts of holders who have opted out of Overdraft protection. 

Furthermore, Zion persists in " stacking '' transactions so that OverDraft fee liability ( even for holders who've opted out of it ) would be incurred resulting in unseen and undeclared charges to holders tantamount to illicit conversion of the funds of account holders.
I originally filed a complaint with CFPB ( # XXXX about XXXX XXXX XXXX XXXX XXXX ( hereinafter referred as " XXXX '' ). As a result, I received a letter from XXXX indicating the debt was mine and attaching an application with my name ( attached ). 

On XX/XX/XXXX, I replied via email to Mr. XXXX indicating that this is mistaken identity and I always use my full name " XXXX XXXX XXXX, XXXX '' all all credit applications and inquiries. I have not received a response from Mr. XXXX regarding same. Therefore, this debt is not mine to pay.
My home loan was recently taken over by Nationstar Mortgage LLC. They sent me a letter saying I had insufficient flood insurance and needed to raise my insurance or they would add gap insurance to my policy. Even though my principal balance owed is less than {$27000.00} they are requiring me to match the replacement value of {$150000.00} set by my homeowners policy. When I called and explained that I read the policy set forth XXXX that XXXX of these apply Under the FDPA, the mandatory flood insurance purchase amount is the lesser of : The outstanding principal balance of the loan ( XXXX XXXX, or The maximum amount of insurance available under the XXXX XXXX XXXX XXXX ( XXXX ), which is the lesser of The maximum limit available for the type of structure ( {$250000.00} for a residential structure, ), or The insurable value of the structure ( typically the replacement cost value of your home ). 

According to this the lesser of these would be that I have at least {$27000.00} of flood insurance coverage, ( I currently have a policy of {$30000.00} coverage ). They said according to XXXX they can charge what they want. By adding this additional coverage my payment will go up over {$100.00} a month! 
If I do n't get my own coverage they will force me to get their insurance and raise my mortgage payment.
I received an email at XXXX on Tuesday XX/XX/XXXX stating my Bank of America Checking account had been overdrawn. 

Upon logging in to my checking account I noticed that there were not 1 but 5 overdraft fees for the amount of {$35.00} each. 

I was immediately connected to a customer service ( XXXX ) representative who instantly placed me on hold for about 20 minute returning only to say she could refund 1 fee. 

I asked to speak with her supervisor ( XXXX ). He explained that my account was set to notify me when my account was below {$25.00}. 

Without being notified my account Had {$820.00} and ended up with - {$500.00}. 

A NEGATIVE BALANCE IS UNDER {$25.00}. Bank of america disagrees. 

Upon being notified I immediately transferred {$1300.00} into my account to help resolve the situation. 

Being a BOA customer since 2004, they still said there was nothing I could do and this was my fault.
Greetings, I was trying to get money from my account. My stylist was trying to cash a check I gave him and he was not able to do so. Sun Trust Bank called me. I did not get the call, my ringer was off. I called my stylist and he informed me that the bank would not cash my check. I have had several problems with Sun Trust as I am used to banking at a credit union and the bank has fees and poor communication about the rules. I have had financial problems. However, in this case my balance was more than 50k on XXXX XXXX, 2017. I go into the XXXX Sun Trust and give the teller my federal id and an expired NC license with a current bank card. The teller does not accept my ids so I go to a desk and empty my purse to locate my license and the bank manager gets upset and tells me to leave. I remain calm and try to locate my license, I do. The bank manager tells me to get out of his bank. I call the police. The police mediates. I explain to the bank manager that I am checking everything he is doing against another bank and he stops the transaction. I want him at the least written up and at the most fired!
My loan is from XXXX XXXX XXXX XXXX, CA for a XXXX XXXX XXXX XXXX certificate back in 2001. I could not do the XXXX required to get certified after completing the class. I was working full time single head of house so going parttime was not an option. I could not attend a XXXX offer for 4 hrs a day for a month to complete my certificate so I could not become a XXXX or XXXX. I however paid {$1000.00} cash and a loan for the rest like {$4000.00}. I have tried to make payments of {$50.00} as agreed upon a long while ago. I however was called by a lawyer who told me they could get 65 % off my loan amount removed ( I have 2 different loans totaling {$13000.00} estimate ). The cost was {$150.00} a month and could take 18 to 24 months. I went with them and they told me I could stop paying on my loans until it resolved if I chose so I stopped paying. I was told I would not get harassing calls by the lawyer but I still did every day sometime twice a day. After about almost 6 months I said forget it and dismissed the lawyer and began paying on my loans. By this time they said I went over my 260 day before it goes into default but I think I am a few days short. They would not hear it they just kept talking garnishment of my pay check. I had to agree to make large payments of {$310.00} on one ( XXXX ) and the Navient/XXXX of {$370.00} that I fell is a whole lot leaving no money for my other expenses. My big concern is with Navient who said they sold the loan to XXXX and that I was in default. I got a bill from Navient last month that says my payment is {$50.00} due in XX/XX/XXXX and when I was making payments to them I called and asked if I was behind on my payment and they said no. I am confused why they say I am ok but this XXXX said I am in default and set me up with these large payment that I had to agree to or have my paycheck garnished. I want to go back to paying my regular payment and be taken off the default list as I am not according to Navient in default. My name is XXXX XXXX and my contact phone is XXXX
Transunion has recently responded to and deleted XXXX account reported inaccurate on my credit file but there were XXXX files that should had been deleted. XXXX was sent proof that the letter was returned as undeliverable to the company, XXXX, yet they are still reporting that the information was verified. Attached is the letter showing that XXXX amounts in the amount of {$460.00} and {$480.00} were both disputed and the letter was returned as undeliverable so I am not understanding how XXXX account could be verified yet the other could n't yet the company was unreached when I contacted them directly as directed by Transunion.
Back in XX/XX/XXXX I was informed that my payments for my loan would increase from $ 25 month to {$140.00} a month because I graduated from college. I understood because my deferment process was over, I knew with my income that I could not afford to pay {$140.00}, so I asked for possible repayment options but because my co-signer makes more than enough money to pay the loan I did not qualify for any lower repayment options. So I then asked to do a co-signer release and my co-signer and i was told that we had to make 6 months of on time payments and my co-signer could be released and this was in XX/XX/XXXX. So we paid 6 month on time payments as needed and when I called back to do the co-signer release in it was a different story, I was told that I could not remove her because she log in to the account and help pay the payments of the XXXX which I myself could not afford which was already explained back in XXXX when they ran my Financial report. In XXXX when I asked about the co-signer release they said nothing about how the payments had to be paid they just stated that I needed 6 months of on time payments. So now I am struggle to pay the XXXX and I get a statement explaining that my payment has increased yet again and I am still unable to get any help paying off this loan. Then I call in XX/XX/XXXX and once again ask for help with repaying this loan and the rep says that if I sign up for automatic debits then I can save 0.025 % on my loan which will bring it down to the XXXX but if the market interest increase then my balance will increase as well and they will take more out of my account. Which I do not understand because I would only be authorizing Navient to take out XXXX not any more than that. Also on this call I asked if I was set up with a variable interest loan why were my interset payments only XXXX from XXXX because if my interest was supposed to be a variable interest it should have always been one. I am a single mother and I have {$70000.00} in student loans not including this one and as well as other monthly bills, I have been paying XXXX XXXX Navient for XXXX almost XXXX years and I still havent reached my principal amount and if the interest steady increases how will I ever reach it?
A letter was faxed on XX/XX/18 to IC SYSTEMS inc ON BEHALF OF A BALANCE REPORTED ON MY CONSUMER CREDIT FILE THAT I C SYSTEMS WAS INFORMED IT WASNT THE CORRECT ACCOUNT NO CONTRACT WAS EVER ESTABLISHED WIT THEIR BUSINESS NO LETTER ORVINFO RECEIVED IN LIEU OF SUCH DEBT IT NEEDED TO BE REMOVED IMMEDIATELY OR I WAS REPORTING TO CFPB AND FILING SUIT.
I have sent numerous letters by certified mail to this company requesting validation of this debt. They have ignored every single one of them. I have never received a response to date with any of the information I requested in my correspondence. It is my right to have this debt validated snd they refuse