WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received a check that was written out of my same bank for {$120000.00}. I was to deposit it and when the funds were available I was to send a wire out of those funds of {$98000.00} to another account. I was told by the teller that the funds were immediately available. I said right now? She said yes. So on the XX/XX/XXXX I wired the funds through the very same bank. I was then instructed to wire an additional {$19000.00} to the same account on the XX/XX/XXXX. I did so again through this same bank. That night I receive an email that the check had been returned after they had told me it was good.
I have been disputing XXXX XXXX Hospital charges for about 6 months. The account was closed many years ago because I was on Medicaid who covered the balance of my medical bills. Also, I moved away from the state of XXXX on XX/XX/2015 due to XXXX XXXX. I have lived in XXXX since then and have never been back to XXXX to incur any debt. Each time I dispute this issue with a credit bureau, the debt is sold and my credit is ruined again. I have to constantly fill out these forms and research my credit. I have to Pay for monitoring of my credit from XXXX. I am being harrassed and it's too much. Please help me.
My account with Sheffield Financial Corp was opened XX/XX/2008 and paid off, they keep reporting the account on my XXXX Credit report even after I keep asking them to remove it because its over 7 years old.
I have been trying for over 3 years for a refinance of my mortgage. each time I check my credit I see it around XXXX on my version. I then apply for the loan and am told my scores are below the XXXX needed for a refinance. my problem is why do the banks see a different fico score than I do personally?
called my office phone left voice mail XXXX/XXXX/15. 
I asked them to send letter in the mail not call my office. 
They are trying to threaten they will take legal action on a debtthat the statute of limitations has expired 3 years ago. 
They said we do n't care about the law we will collect from youand sue you. I would like to let them know they can not sue mefor the debt bylaw or report it to XXXX, XXXX, XXXX. 
I know my rights.
I called Navient about re-certifying my student loan, but I was redirected to a company that offered to consolidate my loans for a fee. They wanted pictures of my I.D . and credit cards. Their website is nothing but a XXXX blog. 
XXXX XXXX XXXX I did n't pay them anything, but I am appalled that Navient would let me be automatically redirected to such an obvious scam.
GOLD KEY CREDIT SCAMMED ME THEY NEVER BILLED MY INSURANCE I GAVE THEM MY INSURANCE INFO THEY PURPOSELY DONT BILL INSURANCE TO SCAM PEOPLE AND PUT THINGS ON PEOPLE CREDIT REPORT WHICH IS A VIOLATION OF THE LAW.
Paypal has accused me of selling prescription drugs through pay pal. This accusation is 100 % false and defamatory. The company first accused of a transaction of {$35.00}. These funds was money that I owed my neighbor ( a US  service member ). They froze the account and did n't allow these funds to get to the service member. I emailed them and told them that it was a mistake. Then they reversed their decision and blamed another money transaction of {$110.00} that I transferred to my wife 's friend ( he owed her money ).     As of right now my funds are frozen and I can not access my account. I have included the emails from Pay Pal and the email I sent them on  XXXX   XXXX  and their responses the following days.     I do not sell drugs and I want my money back, the funds must be sent to the service member and I want access to my good standing account. This is an unfair and abusive practice. Pay Pal must correct this ASAP and stop accusing consumers.     Thanks,  XXXX
I am writing this missive to complain about unfair collection practices of a law firm, Andreu, Palma, Lavin, Solis. Apparently they represent a collection agency. They sent me a letter XX/XX/2016 informing me of their representation of a debt collector. I IMMEDIATELY wrote a letter attempting to understand who they were and who they were representing as well as any facts germane to this collection. I never received a reply from them, even though MY letter to them requested a reply so that I could understand their contention. I never received a reply from them. XX/XX/XXXX I reached out directly to XXXX XXXX who is a partner in the aforementioned law firm. He acknowledged receipt of my letter and admitted that he willfully and intentionally ignored it as he " thought these questions had already been answered ''. Are n't creditors obligated to respond to the person with whom they have a dispute with in a timely fashion? Are they allowed to ignore legitimate requests for information? How can I defend myself or even proceed to negotiation if I am not in possession of all the facts. The answer is, I can not! I would like this to be resolved by your agency. I want this debt to go away and any public record of this action to be expunged. I believe it is illegal to ignore a good faith request for information. Please do n't allow these predatory firms the right to ignore correspondence that seeks answers. It is a corruption of the system enacted to protect consumers. Thank you for your consideration.
There are XXXX medical collection that were paid from a judgement placed on my ex husband. Both have been paid off for few months. His credit report has them closed. Mine still has the same debts as open with full amounts owed. I contacted Piedmont credit collections that was listed beside the collection accounts. They acted like there was no information about it in their computers. I know they have handled it, because I contacted them and asked about how it would be handled when my ex got an email from his work about the garnishment. They had the information about it then. I even asked for any other info needed to pay off other items in my name and got the account numbers needed to pay those off.
XXXX ( XXXX XXXX XXXX Calls me everyday looking for someone else, i have asked them XXXX times to stop calling me and they continue calling me.
My complaint concerns disaster loss claims handled by FlagStar bank. My house suffered flood damage from Hurricane Harvey in XX/XX/XXXX ; we were awarded $ XXXX insurance claim to repair our house. As per protocol FlagStar has held the claim in escrow and has provided installment payments as the repair work is done throughout XXXX. 

In XX/XX/XXXX we were awarded and additional $ XXXX installment per completion of a property inspection ( per the inspection our property was 85 % complete at the time ). We sent the proper papers to receive our next installment but have heard no response from FlagStar. I have learned that the bank is undergoing a system change and is unable to handle ongoing claims in a timely manner so the processing of my claim has come to a screeching halt. It has been over a month and FlagStar has yet to act on processing my claim.
My private loan in collection they froze my account I do n't have a lot of money they asking for If I did I would be homeless.
XXXX payments still have not been reported to the credit bureaus. I have received a copy of my payment history from your company via mail today. I will continue filing complaints until all payments are properly reported to all credit bureaus. You stated starting in XX/XX/2018 all payments would be reported after my forbearance period, refer back to taped phone calls with your company. As of today, they are still not being reported. This issue will not be resolved until my payments are all properly reported with the credit bureaus. Per your representative, XXXX XXXX he suggested I find another bank to refinance my loan, I have yet to do so since XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX stated, " XXXX  XXXX XXXX XXXX needs to report all payments with the credit bureaus. This can easily be resolved by the company submitting a report showing all payments that are missing as now being reported, " XXXX. '' Your company is once again, holding me back from now refinancing and then selling my home. 

When will this end? XXXX?? XXXX? You tell me as XXXX of many consumers I am finding out that have gone through this same issue, USAA XXXX XXXX XXXX not reporting payments with their mortgage loan to the credit bureaus. 

Your representative XXXX XXXX did not return calls nor emails all of the time, especially when he stated he would contact me back. Instead CFPB would send me an alert stating you submitted a response to my complaint. I have contacted your company again this week, this morning to address the missing payments. When is this going to be so easily resolved? This is a XXXX issue, problem that continues ... 

I thought your company XXXX was to help and support all veterans. I have other coworkers that are having the same issue with XXXX not reporting all payments with regards to their mortgage loan. Seems I am not the first. I never had problems with car loans nor bank accounts with XXXX, seems only the mortgage sector of your company has the issues. 

Sincerely, XXXX XXXX
I am current customer of Bank of America ( BOA ) for ten years. During a branch visit on Friday, XXXX XXXX, 2016 to have a debit card re-issued, a BOA Branch representative offered me BOA Cash Rewards credit card based upon the fact that I maintain over well over one thousand dollars daily balance with those merits I told I would receive a BOA Cash Rewards credit card. I signed some general documents and other products and spent about 1.5 hours of my time with the representative. The Branch manager came in on the end to congratulate me on accepting the offer. I was also encouraged to complete the survey that may be emailed within a few days. I let her know that the experience was great, unlike many of my experiences with BOA and that I would definitely give good marks on the survey ; which I did on XXXX XXXX. It is now XXXX XXXX, 2016 and I have not received any responses from my follow up emails. I called BOA corporate to file a complaint on XXXX XXXX, 2016 and was promised a 48 call-back ; it has now been 168 plus hours from my call with no call from corporate ( I gave them both of my cell phone numbers ). I have all of the credit card disclosures and signature page that I accepted the offer. I also have all my follow up emails with no response from the branch. Even after going in the branch to two weeks after to talk to her, she advised me this as happened before, but she promised the card will come. I feel manipulated and mislead by BOA, as they will essentially make up things to con consumers into receiving high survey marks by wasting my time. Bank of America owes the card to me as promised.
I am executor of my father 's estate. My father had an existing mortgage loan through XXXX that was subsequently transferred to Bayview Loan Servicing 8 months after his death. The loan with XXXX was current at the time it was transferred to Bayview Loan Servicing. Bayview Loan Servicing received the mortgage and attached a {$200.00} late payment to the account which is unexplained. They refuse to remove those charges which I currently dispute. On XXXX XXXX, 2015, I made an online internet payment for the month of XXXX. A week later the available funds were never drafted from the designated account and Bayview loan attached a {$35.00} NSF fee to the mortgage account on top of the {$200.00} late fee payment that they insist that the estate pay. The NSF fee is because they were supposedly unable to locate the bank account ( not insufficient funds ). The funds were indeed available at the time. Bayview Loan Servicing said that they can not help or remove any of these fees. We are only 60 days into this relationship with this company and it is a headache. The negative reviews for Bayview is 85 % or higher. This loan servicer should be investigated immediately because their business practices and unexplained fees appear to be unethical. I am asking CFPB to step in and mediate and penalize where necessary on behalf of my father 's estate and other consumers who have been affected by their practices. I am thoroughly convinced that this company is violating consumer protection laws.
My vehicle has been  determined as a total loss by my insurance company. A payment has been sent to Capital One Auto to  apply to the auto loan balance. But, there is still a balance owed. I called  XXXX  to inquire if I  may  have my loan payments reamortized based on the remaining lower balance. The representative I spoke with said he is unable to assist me and there is no one for me to speak with and that I must wait to receive a letter or a phone call regarding the remaining balance and payments due on my loan.     I would like to continue making payments on the loan until the balance is paid in full. But, I can not afford the current monthly payment. I would like a modification of my auto loan.
Several weeks or more than 30 days of investigation into a problem and has not been solved. the worst is that More than 30 days of continuous retaliation by Equifax which became more visible now in at least Blacklisting my information and/or participating in blacklisting against my person now there is clear and convincing evidence of that which is a fact now. Equifax did not comply to the FCRA. Equifax blacklisted my infirmation to deny my right to get my credit report free under FCRA in my situation. Equifaxs retaliation against me violated my consumer rights in violation of the Dodd Franklin CFPA of 2010 ... .etc all rights reserved by my person and all stated herein is to current state of belief knowledge and understanding and all is subject to anything by my person only and at anytime and without prior notice and without waiving my rights under any circumstances.
I 'm a victim of identify theft. A person has tried twice to open a   XXXX   XXXX    credit card once in  XXXX  2017 and another in   XXXX   2017. Both times   XXXX   contacted me and we had calls with   XXXX   XXXX   and identified as fraudulent.   XXXX   XXXX   stopped the issuance of credit in both instances. They also removed the hard inquires on my credit reports for  XXXX  2017, but for  XXXX  2017 they missed Equifax. I have written twice to   XXXX     XXXX   XXXX   fraud department explaining about the fraud and they missed the hard inquiry with Equifax and both times they keep sending the same letter about three kinds of inquires. Pre-screening inquires, Account management inquires, and Standard inquires. Nothing to do with my issue. They are not bothering to read my letters. Because of this hard inquire it can lower my credit score.
Due to all the foul play by both XXXX, XXXX, and TransUnion involving my credit score I requested annual report from TransUnion on XX/XX/XXXX. An error message appeared when trying to obtain my report stating they are unable to complete my request due to open disputes. There is not a law written in federal regulations or Maryland State Law that state a consumer agency can withheld a consumer based on those facts. 

I noticed TransUnion started unfair practices since the real estate crash in XXXX.
According to my recent credit report request from XXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX Reported to XXXX, XXXX, EXPERIAN, PROFIT AND LOSS WRITEOFF ( AUTO LOAN ) XXXX XXXX Account # XXXX Being Reported to XXXX, XXXX, EXPERIAN CHARGED OFF ACCOUNT BAD DEBT XXXX   Account # XXXX Being Reported to XXXX, EXPERIAN ( ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, ) XXXX Account # XXXX Being Reported to XXXX, and XXXX ( CHARGE ACCOUNT ) XXXX Account # XXXX Being Reported To XXXX, and XXXX  ( CLOSED OR PAID ACCOUNT/XXXX   BALANCE INSTALLMENT SALES CONTRACT ) XXXX XXXX XXXX/XXXX XXXX Being Reported To EXPERIAN ( INACTIVE ACCOUNT REVOLVING CHARGE ACCOUNT ) XXXX Account Number # XXXX Being Reported To XXXX ( FLEXIBLE SPENDING CREDIT CARD ) XXXX  XXXX Account # XXXX Being Reported To XXXX  ( STUDENT LOAN ) XXXX XXXX Account # XXXX Being Reported on XXXX ( PLACED FOR COLLECTION )
BAsically I applied to Equifax for enrollment and monitoring about a week after the announcement because I was one of the breach victims. They said they would get back to me. I tried again on their website and found, rather unbelievably, one had to have a mobile phone to complete the application or one could n't finish it. I gave up my phone because I do n't use it much. So this preclude many people like myself from application. I wrote complaining and received a form reply telling me they would contact me. So I am effectively at risk a month after trying to rectify my situation. There was no option on the site to enter any other data for qualification than the mobile phone number. Equifax does n't really give a XXXX. 

PS The site mentioned in the attached reply is the one I mentioned.
Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XXXX XXXX- Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XXXX XXXX to XXXX XXXX XXXXn still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XXXX XXXX XXXX They needed more time no commitment to when my decision would be made. XXXX XXXX XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XXXX XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XXXX XXXX XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being XXXX -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.
Loan originally with XXXX XXXX XXXX XXXX who transferred the loan [ without the proper notification ] to Selene Finance during the middle of a Loan Modification Request. Selene came back with unreasonable Loan Modification terms : extending out the term of the loan ; increasing the interest rate from 2.875 % to 5.375 % ; having the Note balloon in 17 years [ which would have been the orignal date the mortgage would have being paid-off, and the Balloon payment is for over {$180000.00} at that time! ]. None of this was disclosed to us until we received the Loan Modification paperwork, and Selene Finance 's pressure to immediately sign the Loan Modification documents. In our opinion, XXXX through Selene Finance are attempting to defraud us under the guise of a Loan Modification.
Apparently a medical bill for my daughter was unpaid. I was not contacted even though I have kept the same phone number after our divorce. I have always requested that my mail be forwarded to my most recent address. I have lived in the same small town for more than 10 years. I am in the phone book. As soon as I learned that there was a " bad Debt '' on my credit report I contacted both the collection agency and the medical provider. I have since paid the medical provider in full. The collection agency ( Hauge and Associates ) still 1 ) Has me listed as owing XXXX on my credit report and 2 ) Is still expecting to collect a fee for something they neglected to even try to bring to any sort of conclusion.
I disputed the collections that LVNV Funding LLC had reported on my credit report. As a result they were removed by LVNV, but less than 48 hours after they were removed from my credit report, LVNV placed them back on my credit report. LVNV reported this as NEW Collections. It is not new collections it is the same that was placed on my credit report before.
I have had nothing but trouble with the company called Ocwen Financial I was only 2 months late on my mortgage several years ago paperwork was not being shown they would tell me I did n't send it and I did send it, this went on for years I owed them {$5000.00} and offered to pay it on that day they refused to take it and told me I had to go through a modification the modification was a disaster they would not accept certain paperwork paperwork was not being shown, my credit report was not showing any good payments they sent a sheriff after I was behind only two months and refused to let me pay it, I 've had 3 XXXX XXXX now this place is made me crazy my husband also is ill and lost his job I asked them if I could pay half this month and half next month they refused they said pay it!! added on two additional mortgage payments and told me come up with it. That was their answer, I told them I could not help it I had a XXXX XXXX there was nothing I can do about it please take my payment and let me continue to pay they refused and now again I 'm stuck. please help me I ca n't go through another terrible modification and what they put me through the last time dragging their feet saying I did n't send paperwork they even tried doing it to my attorney, I finally had to get an attorney thank XXXX he was a good man and helped us out they even tried to do it to him, tell him that he was missing a piece of paper and he said no way, and told them to stop messing around now I fell behind because of the XXXX XXXX and my husband being ill and in the hospital, I still can pay the mortgage that 's not a problem but now they want me to pay a large amount and told me to come up with it by the XX/XX/XXXX or they were going to do something about it. I do n't need to have another Sheriff at my door the first one I was only late 2 months, I knew that that was wrong but there was nothing I could do about it I 'm sick I work and I worked and I worked until I broke and that 's what they try to do is break you, even their website has a big red! On their page please help me. They are not being fair to anyone there are many, many complaints, and the lawsuit against them finally I plan on being a part of that I asked them if I could split my mortgage payments into two different payments and they refused so they say they work with you they do not!