WillisBack/dataset-financial-user-claim huggingface dataset:
C & F Mortgage Corporation and/or XXXX XXXX XXXX XXXX  XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property deeded to and/or titled to XXXX and XXXX XXXX ( " XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX '' ) XXXX and XXXX as representation of one or more deeds and property of heirship and ownership have been subject to discriminatory conduct since approximatelyXX/XX/XXXX or thereafter under the names of XXXX and XXXX XXXX and prior under the ownership of XXXX XXXX family. ( 1 ) In the year of XX/XX/XXXXthe officer/employee that transferred XXXX XXXX XXXX XXXX property in the approximate year of XX/XX/XXXXXX/XX/XXXX and thereafter on the " XXXX XXXX '' XXXX XXXX XXXX, XXXX XXXX, Virginia under the contracted name of XXXX XXXX XXXX and under the current name XXXX XXXX XXXX failed to notify or provide copies of this consent order, failed to properly identify appropriate parties ( heirs ) and/or failed to obtain proper signatures for a " release '' in this matter. The XXXX XXXX XXXX XXXX XXXX 's hereby certify by Champion Member, XXXX XXXX XXXX XXXX XXXX ) that a release is DENIED. ( 2 ) There is no evidence of such training for the officer/employee referred to and/or identified in documents as obtaining consent or for committing such act. ( 3 )  The release is insufficient as it pertains to the history, legacy, and value of such estate ( s ) of XXXX XXXX XXXX XXXX as well as the heirship ( s ) of the XXXX XXXX XXXX XXXX XXXX 's. Therefore, the XXXX XXXX XXXX XXXX XXXX 's hereby declare that C & F Mortgage Corporation and XXXX XXXX XXXX XXXX XXXX XXXX Virginia as well as their past or present officers, employees, agents, partners, subsidiaries, representatives, assignees, and successors remain liable for ALL claims. and ( XXXX ) The XXXX XXXX XXXX XXXX XXXX 's were not provided access to copies of the consent order entered by the Court in the United States v. C  & F Mortgage Corporation and hereby provide further notice that there will not be a release to C & F Mortgage Corporation for the estate ( s ) of XXXX XXXX XXXX XXXX, XXXX and XXXX  and/or XXXX XXXX XXXX XXXX XXXX.
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted with her information that resulted in a fraudulent inquiry with Chase/XXXX that she did not authorize XX/XX/XXXX. A previous official dispute of this item was already sent to Chase/XXXX XX/XX/XXXX and again XX/XX/XXXX however as of this date Chase/XXXX has not sent a reply which is a violation of the FCRA.
On XXXX XXXX, XXXX, it came to my attention that Equifax has allowed my credit report and information to be exposed to unauthorized parties due to negligent cyber-security practices. Furthermore, as part of their response, they have used a website to goad victims of this data breach into waiving their right to sue via agreeing to arbitration by signing up for XXXX their own ) identity theft protection and credit file monitoring services. 

These are unacceptable practices for a business in which security of consumer data is paramount.
For 4 years, paid my mortgage though automatic transfer from my TD BANK checking account to my mortgage that is also with TD BANK. 

My payment is deducted on the XXXX  of every month. The account had suffcient funds available. 

On XX/XX/2018 the automatic transfer was attempted, and was rejected from TD BANK to TD BANK. They simply left the account unpaid, with no attempt at notification. No phone call, no letter, then they went back to deducting payments on XX/XX/2018. 

The payment shows up in my transfer history. They reported me as having a late payment to the credit bureau by over 45 days, They admit that their system rejected the payment, that the error was on their end, and they refunded the late fee. However they refuse to correct the credit mark. 

I have made payments in excess of my required payments, more than enough to cover the payment that they claim was missed due to their error - however they refuse to correct the credit mark.
I sent dispute letters and ID THEFT REPORTon XX/XX/19 to the Credit Bureaus, XXXX, XXXX and TransUnion.
I was shocked when I reviewed my credit report and found so many incorrect items that does not belong to me. 

Creditor : XXXX XXXX XXXX Acct # : XXXX I am so frustrated with this company. I have repeatedly asked XXXX to help me. I do not own this debt and have asked for verification of this debt which they have been unable to answer. I dispute the validity of this bogus debt and demand that you permanently remove this item from my credit report.
Response to Bayview loan servicing llc adding XXXX to my loan as court papers attached will show.
My wife and I submitted a claim about our billing statement with Synchrony Bank ( formerly known as XXXX ). XXXX She was awarded a " No Interest '' promotion until balance is paid in full. Can you please tell me if my account will be awarded it as well. My account # XXXX
I sent the Credit Bureaus along with this agency ... Certified letter, affidavit of fraud, police report..My ohio drivers license ... and copy of social security number. I instructed the bureaus to valid all debts Public and private with the following according to the Fair Credit reporting act sections : 604, 609, 611 and 613 ... so there was no misunderstandings about my request according to federal laws. I instructed the bureaus to validate my accounts thur Original Documentation..original contracts and signitures. They never producted any thing ... nor would they tell me how there investigation started, or ended. I later called all said " Creditors '' and they advised me that the Bureaus Never contacted them. Whereas the bureaus state that they did a thorough investigation according to fed laws. Please refer to docs sent to this agency that 's on file. The bureaus took some items off ... back they are now still reporting ...
Our aunt & uncle had an A-B trust set up at Union Bank XXXX XXXX XXXX XXXX XXXX CA. She died XXXX, he died XXXX. Trust B was never set up until XXXX. It was supposed to be set up immediately. When the trust was split, the assets were split XXXX between A & B without regard to individually owned assets v jointly owned assets. A assets were split amongst the uncle 's relatives, B amongst the aunt 's. It took over a year to get the first payouts. In XXXX, they started promising " soon ''. A B beneficiary liquidated his assets in anticipation of a payout ( promised and continually delayed ) before XXXX/XXXX/XXXX. No payouts were made so the trust B paid capital gains tax at a higher rate on over {$100000.00}. He wanted to use the gains to offset some carry over losses on his personal return. Then when the trust was split, this tax ( and XXXX dividends & cap gains distributions ) was not taken into consideration and the split was an even XXXX way, even though Union Bank paid a consultant over {$4000.00} ( of trust $ ) to make sure it was done correctly. Most of the assets were distributed between XXXX. Some of my mutual funds had to be liquidated because Union Bank could n't figure out how to transfer them intact to XXXX, even after XXXX tried to work with them multiple times. At this time, XXXX XXXX XXXX, there is still cash held in trusts A & B and the administrative ( original ) trust. There are also stocks held by XXXX and XXXX that were never collected by the bank. We have told Union Bank about them several times, but with no response. They claim they are holding the $ in case of a tax problem, but we paid $ XXXX trust for those returns per year which had very little reporting, so they should be right. Union Bank charged over {$30000.00} per year for many years in fees to manage this trust. The fees were stopped in XXXX after complaints about the non communication & delays. The bank is the only XXXX with the authority to collect the outstanding stocks. We want the remainder of the trusts & outstanding stocks distributed and I feel the bank should be responsible for that tax bill if not the shortages to the other XXXX parties of trust B. Why are they allowed to carry on in such a shoddy fashion? Our aunt & uncle trusted them to carry out their wishes after they were gone. It was presented as an easy & efficient way of dealing with their estate. I filed a complaint with XXXX, but apparently they believed Union Bank when they responded that the assets were distributed.
I demand to verify the accounts you listed wrong status in my report - I have never paid them late :  XXXX   XXXX    XXXX   -  XXXX   XXXX   XXXX   XXXX   XXXX  -  XXXX
This company is calling and mailing notices in an attempt to get me to pay an amount that I do not owe.
BBVA COMPASS HAS RESPONDED TO COMPLAINT BUT IS ONLY RESPONDING ABOUT ONE ACCOUNT AND IS IGNORING COMPLAINTS ON OTHER ACCOUNTS. ALSO, I HAVE RECEIVED NO CALL FROM AN INVESTIGATOR AND HAVE LEFT MESSAGES AND FAXES FOR XXXX XXXX MANY MANY MANY TIMES AND GET NO RESPONSE. I WANT TO KNOW WHEN TO EXPECT THIS ISSUE RESOLVED. I JUST WANT THE ACCOUNTS CLOSED. AS I EXPLAINED TO " XXXX '' CUSTOMER SERVICE FLOOR MANAGER, THE FINAL DISPUTE OF XXXX TRANSACTIONS WAS DUE IN LARGE PART TO LACK OF COMMUNICATION FROM BANK. CAN YOU PLEASE ADVISE WHEN TO EXPECT RESOLUTION?
XXXX XXXX XXXX ( XXXX ) is collecting for a medical bill that I informed them that I already paid it. We had/still have medical insurance. I paid the remainder balance that my insurance did not pay ( my portion ) and I should not owe any thing else. Telling them this constituted a dispute. They did not provide me with any documentation that I actually owe it and just reported it on my credit report. It's {$94.00}. So my 40 year near perfect credit history is now ruined over this? I think the last 40 years shows if I owed it and knew it I would pay it. Then XXXX puts it on my credit after knowing that I disputed the charge. This is wrong. Give me a statement or some documentation to show I owe it and give me an opportunity to pay the alleged debt if in fact I do owe it. I don't believe I do and there should have been some effort to validate this.
My name is XXXX XXXX XXXX and I had a credit card used in my name for several months in XX/XX/XXXX and XX/XX/XXXX that are affecting my ability to get a credit card now. I 've tried to make payments never to receive a bill again I changed my address two times. I 've gone through several family XXXX had my car stolen fell, into the XXXX XXXX luckily made it out and am trying to better my life by starting my own XXXX and I need to have some start up money in order to build a future literally from the ground up. Please and thank you for your time and consideration God bless.
HOA Association XXXX XXXX sent my account to the Collection Agency Nagel and Zaller for XXXX. My Account was paid to the HOA agency before receiving the initial collection notice. Check payments noted on statement balance sheet. Notified HOA and Collection agency and account remained in collections. I have attempted to pay my account and settlement amount was denied. Attempted to make a payment arrangements and the payment arrangement submitted to me by the collection agency was incorrect. My account has excessive charges and fees that are not valid. My account has legal court charges for a case that did not go to court. Charges for preparation of an incorrect payment arrangement. Requested payment arrangement on the amount owed and I was sent an arrangement for double the amount that was owed.Email traffic with XXXX XXXX and account still remains with excessive charges and incorrect information. 
Account was paid in full for the collection amount of XXXX before I received the collection notice. Nagle and Zaller was recently sued for unfair collections practices, for practicing without a license. They are attempting to foreclose on Veterans home and rack up excessive collection charges.
My credit report is showing me as having the same name or also known as my sister 's name. Her student loan debts from the XXXX company/owner which are in collections are all falling under my name, therefore giving me a bad credit report with experian. Now I can not get any decent credits or loans or even an apartment for that matters. They 're all turning me away due to this error on my report. Please help fix all this mistake on my report.
My complaint is with the First National Bank of Omaha, XXXX XXXX XXXX XXXX Nebraska XXXX. I have a credit card issued by First National for which I paid the full statement balance for the statement ending XXXX XXXX 2018 prior to the due date of XXXX XXXX 2018. Interest in the amount of {$15.00} was applied to the statement ending XXXX XXXX 2018. After looking at the statement ending XXXX XXXX 2018, I called First National on four separate occasions to clarify the interest charge and request that it be removed. I requested for a letter from First National with an explanation ( including calculations of the balance amount, days of interest and interest rate ) showing how the interest charge of {$15.00} was determined. I have not received such a letter, just a generic users agreement. During one of the calls to First National, I was informed a " Tail End Interest Policy '' allowed them to apply the interest to the statement ending XXXX XXXX 2018. The " Tail End Interest Policy '' is essentially applying interest over two statement periods. If XXXX XXXX is permitted to apply interest over two statement periods, their credit card customers should be able to pay their statements ( without penalty ) once every two months! Even if I agreed to the terms of the " Tail End Interest Policy '' in the user agreement without realizing it, the interest charge of {$15.00} was applied for a unpaid balance of {$28.00} on the statement ending XXXX XXXX 2018!
This is not my account. I 've disputed it and contacted this company several times since XX/XX/XXXX up until XX/XX/XXXX they did n't respond most of the time and the few times they did they stated it was valited but could not provide me a True validation with a signed contract. Anyone can get someone 's name, address, and email address. I want a TRUE validation with a signed contract!
My husband and I tried to do a simple refinance in XXXX 2016 with Wells Fargo bank. We have been long time customers of the bank with outstanding credit ( over XXXX score for each of us ). We were asked to submit documents multiple times for the refinance and sometimes the 'online portal ' was not working correctly, so we were encouraged to 'just email ' it to our team of refinance people ( XXXX XXXX , XXXX XXXX , and the underwriter ). As we all know, email is notoriously unsafe for the transmittal of sensitive documents. Prior to my husband and I completely pulling out of the refinance process due to Wells Fargo 's inability to complete the simple paperwork, I came across an email that showed that our home appraisal was SHARED with a couple in XXXX by the name of 'Powers ' which closely resembles our name 'Bowers ' , but only if you can not read. We came to find out that personal information was not only transmitted over email, but shared with complete strangers who 's name happened to sound the same as ours. We have since opened up another refinance with our local bank ( XXXX ) and the process is going smoothly. I have requested our appraisal fee to be refunded, but so far Wells Fargo REFUSES to give us back that lost {$350.00}. We had to come out of pocket for another appraisal with our new application with XXXX. I strongly feel that Wells Fargo should refund our appraisal fee ( at a minimum! ) for the way their refinance team handled our simple refinance. Thank you. XXXX, CA, XXXX
I applied for a loan consolidation and chose Navient as my servicer. When I submitted the consolidation application I also submitted an Income Based Repayment application. My payments were previously {$5.00} a month and I wanted to make sure they stayed that way. Navient accepted the consolidation application and have since placed my loans into forbearance. I dont want this. Its doing nothing but accruing interest. 

1. Have all documents needed been recieved to process my request for income based repayment. 
2. If so, how long until that becomes effective? 
3. I would to know when my first loan payment is due. 
4. I would like to know if my loans are no longer in default, I would like to return to school.
I was suppose to receive my overage checks through refinance and they did not make it to me. They mailed it to my physical address. We do n't have mail service here in XXXX XXXX, Ca., just XXXX. I 've contacted the mortgage co. several times and was supposed to have been reissued. Somehow they 've intercepted and cashed. I requested copies of the checks, received them and they 're not signatures. I faxed a letter to the research dept and requested reissues of the the checks. I 'm submitting a complaint because this has been over 2 months now of trying get my checks. ( XXXX to be exact ). Thank you.
In XX/XX/XXXX, I found out about the Public Service Loan Forgiveness ( PSLF ) program and transferred my direct student loan back to the DOE from XXXX to participate in the program. I was in IDR repayment with the IBR ( income-based repayment ) plan and making payments regularly with direct debit. I am set to reach my 120-payments ( 10 years ) in XX/XX/XXXX. In XX/XX/XXXX, I married which increased my payments. I had topped out in my payments under the IBR due to the increase in my joint income following marriage and was paying {$530.00} a month. I was set to have less than {$1500.00} to forgive at the end of my PSLF repayment period. 

I called FedLoan, my DOE loan servicer, on a matter related to my annual employment certification form and was " advised '' by the FedLoan representative to switch from the IBR plan to the ICR ( income contingent repayment ) plan as I would save {$140.00} a month due to my being married and filing jointly and, thus, would have more to forgive at the end of 120-payments. I was skeptical after my past experience with XXXX and other loan servicers. After discussion with my spouse, I decided to go through the extensive process to switch my repayment plan from IBR to ICR so I would have a bit more balance to forgive. When I received my paperwork from FedLoan, my payments had increased {$160.00} a month instead of decreasing {$140.00} per month -- the direct opposite of what FedLoan had promised. Now it is likely I will have no balance to forgive. 

When I called to complain, I was told there was nothing to be done and a supervisor I spoke to all but admitted I was purposefully mislead so I would have nothing to discharged under the PSLF program. I expected such deception from XXXX, who failed to inform me that there even was such a program for 3-years until I heard about it in a new article, but it is demoralizing and infuriating that DOE would allow and perhaps encourage FedLoan to mistreat borrowers who have sacrificed to work in public service so egregiously.
XXXX XXXX XXXX has already been reported more than once, I continue to receive fraudulent calls from this company at my place of business. They are calling me multiple times a day on my business line. I never gave this company my employment phone line. Which I use strictly for business purposes. Not only are they harassing me at my job, but they are impeding my work. I use my work for to make outbound calls to make a living. This company has resorted to calling the receptionist harassing them, calling my extension. Calling my parents, this is all hours of the day. The company had already been advised I never opened any accounts with this company. This was a result of identity theft. I didnt authorize any accounts through them. They already have been sent an identity theft affidavit. They chose to ignore all my law enforcement documentation. Instead attempted to state they sent me documentation that once again never got sent. This account is identity theft. The account they are claiming received the money was also closed due to identity theft. Clearly this is fraud, the harassment on my business line prevents me from completing my job. They are not authorized to contact me or my employer any further.
I sent a letter to Transunion and the creditor companies who reported to them about fraudulent inquiries on my credit report. It has been 3 months with no response. I have attached the list of fraudulent/unauthorized credit inquiries on my account : Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
I have maintained a personal and business checking at PNC Bank since on or around XX/XX/XXXX. My system of personal finances operates on a cash-to-account basis. This means I will make several cash deposits through the week, as needed for purchases. I also frequently check my account balance via the PNC Mobile application, and have account alerts setup when my balance reaches below {$100.00}. On Sunday XX/XX/XXXX I received an email notifying me my available balance was {$33.00}. Again on Saturday XX/XX/XXXX notifying me my balance was {$5.00}. Seeing no issue as I was coming in the next day to make a deposit, I refrained from making any purchases that would overdraft my account. On Tuesday XX/XX/XXXX I received an email notifying me my account was overdrawn and balance was negative - {$85.00}, of which {$72.00} was 2 overdraft fee 's ( {$36.00} x 2 ). I attempted to resolve this with a banker on XX/XX/XXXX at the PNC branch office ( XXXX XXXX XXXX, XXXX XXXX, MO XXXX ). The banker advised me that their systems do not update the balance from over the weekend until Tuesday which is why the available balance information was incorrect, and recommended I call the automated system instead of relying on the mobile app. I can not FATHOM, with the mechanism 's and technology available between PNC and the consumer, why I have to not only make a phone call to get information, but why the information readily available on their mobile/online banking system IS NOT ACCURATE. Had I known that they were going to slow roll my purchases over the weekend and carry them to almost middle of the week, I would have made the necessary deposit to keep the account from going over.
The following company EOS CCA, with provided address XXXX XXXX XXXX, XXXX, MA XXXX and listed phone number ( XXXX ) XXXX has lodged an adverse entry with multiple Credit Report Agencies in the month of XX/XX/2018 regarding disputed bill for {$300.00} by XXXX XXXX company. I have never received a debt notification or the right to validate notice by EOS CCA company. 
The company has violated my rights by not informing me of the debt or my rights before adverse files with the credit reporting agencies.
We signed an agreement for the Debt Collector DYCK O NEAL. This is handled through there attorney. We have been making payments and are getting a negative report on our credit report. This is not a loan but a debt related to real estate. We feel this account is not being reported correctly.
This financial institution gave me a vehicle loan and as stated in the lease I was told that if i was ever to lose my job that i could turn in the vehicle and claim a financial hardship so that it would not go on my credit report. I have made numerous phone calls to contact XXXX who is supposed to he in charge of this and never recieved a reply. I have faxed them the documentation they requested from my previous employer stating that I no longer work there and every attempt I have made to contact them regarding this has been ignored and now this debt is in my credit report.