WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX is offered through Ally Bank, and through this service, I sent my daughter money thinking it 's safe to do so ( Ally payment # XXXX ). She, in turn, downloaded a XXXX app and entered her information plus a XXXX debit card number. She never received the money. In her conversation with a XXXX representative, she discovered that XXXX had completely different first XXXX digits of the debit card number ( wrong first XXXX digits were XXXX XXXX XXXX ) and only had the last XXXX digits correctly. XXXX asked me to file a claim with Ally Bank, but Ally Bank stated it can not help ( even though XXXX is a XXXX party product endorsed and made available by Ally Bank ). XXXX also asked my daughter to contact her bank and give them a XXXX Federal Reserve trace number ( XXXX ), but her bank says they can not help either. We asked XXXX to reverse the deposit that was made to the wrong debit card, but they said that can not be done. Ally bank states since XXXX deposited the money into the wrong debit card, Popmoney can also reverse that deposit. However, XXXX refuses to do so. I am thinking XXXX 's system may have been hacked. I have never seen anyone capable of typing first XXXX digits incorrectly but the last XXXX digits correctly. In addition, miraculously the wrong XXXX digits are part of a valid debit card number for some stranger.
Received notice from  XXXX  ( collection agency ) that I owed on a medical debt, I sent a dispute and requested validation from that with my signature that the debt was mine. The collection agency sent back my patient statement  (  private information ) with diagnosis and codes, procedure and codes that they received from  XXXX   XXXX  hospital. I sent them a  XXXX  violation dispute and they sent back a letter stating that they verified my debt. The request was for validation, not verification. This is a violation of  XXXX  violation
I have delinquent mortgage that is being serviced by M & T Bank ( " M & T '' ). M & T placed forced insurance on the underlying property. An insurance claim was filed by me and XXXX checks sent to me with certain specific instructions from M & T as to how the insurance funds would be disbursed ( i.e., M & T wanted a proposal from a contractor, a lien waiver from the contractor, a contractor 's license as well as a signature on teh XXXX checks and an endorsement to M & T of the checks ). All documentation M & T requested was forwarded to them with the XXXX endorsed checks ( XXXX check for $ {$990.00} and aonther for approximately {$5900.00} ). Funds were expended by me for the repairs in order to protect the property ( a rof that leaked very badly and thast was causing additional dmage to the subject property ) and reliance on M & T 's representation that a " reimbursement '' would be forthcoming. After the checks were endorsed to M & T ( each check was written to both myself and M & T ) and forwarded to M & T they refused to pay the claim, notwithstanding significant documentation sent from M & T to me indicating that the insurance would be applied toward the claim if certain procedures were followed, which I did follow. 
As a second part to M & T acting in bad faith, they separately provide ( not in insurance documentation ) a letter on their letterhead ( not part of the forced insurance ) called an '' Acknowlegment of Term '' and thereafter indicated to me because I signed said document, and that because the insurance was paid by them and the loan was seriously delinquent and/or in foreclosure that " M & T could apply any and all insurance proceeds related to the subject property to the delinquent mortgage, as they saw fit. 
I indicated to M & T that I did not sign an " acknowledgment of terms '' upon which they used that fact to deny reimbursement to me for the insurance claim. Thereafter, a manager at M & T ( XXXX XXXX ) was put on the call where I informed him that the phone call, which he was recording, was going to be used for purposes of litigation, as well as several prior calls where M & Tindicated that they " did not have to pay over the endorsed insurance checks under any circumstance '', again, " since the property was in foreclosure ''. I thereafter indicated to M & T that I was filing a complaint with the CFPB and that I was an attorney and was filing a lawsuit against them and that this issue was ripe for a class action. I find it highly likely that M & T is doing that to many borrowers in default and are doing so in contravention to the documentation being sent to the consumer, XXXX various " red herring '' excuses not to pay over the claim but to apply the insurance funds toward the delinquent mortgage.
On XX/XX/XXXX I purchased from XXXX XXXX XXXX a XXXX washer, dryer-dishwasher and upright vacuum total price {$3200.00} not including finance charges on my loan. Having not missed any payments on this loan since I purchased these appliances I have had my washer repaired twice for the same reason and my dish washer has broken down twice within a year this last time was on XX/XX/XXXX I have spoken with the service people who always make me wait at least a week or more to have someone come out and repair my appliances always for the same reasons, I have asked that they replace these defected appliances. They tell me they will only repair them or to call the manufacture, I should not have to pay for defected products that are suppose to be new. Please help me
Nationstar has Re-acquired my loan from XXXX. 
Current issue they charged me corporate fees for XXXX to transfer my loan. I had to pay these same corporate fees, when Nationstar acquired my loan. 
I can not get an explanation as to why I 'm responsible for these fees when I did request these transfers. 
Old issue that has ruined my credit. 
When Nationstar acquired my loan from my original lender, XXXX. Nationstar did not honor my mortgage loan agreement. I have made numerous calls to straighten this out with no return call, person no longer handling my loan or some other excuse. I also requested documents on my loan they received from XXXX, which they never sent. I was told once that my loan was Modified. I requested the documents I signed that I agreed, acknowledged to this loan modification. 
I want these issues addressed and the documents.
I called my credit card company on or around XXXX XXXX to inquire why my card had been declined when I tried to use it. The informed me that someone had tried to charge {$5000.00} of electronics in another state. They let me know that they would send a new card in 7 to 10 days. Instead of receiving a card, I received a letter from the credit card company informing me that they had processed an address change. The address was in a city called XXXX, Texas which I was unfamiliar with. I immediately called the credit card company to inform them that I had not moved. They issued me yet another card. In the meantime, I requested that a fraud alert be placed on my credit report. When I received the credit information from XXXX, I noticed that it was mailed from XXXX, Texas which is apparently the site of XXXX headquarters. This leads me to believe that the theft of my card information occurred at XXXX by an employee. Why and who else would have access to my information and have my card sent to an address in the same town just minutes away? I have not yet contacted XXXX.
Specialized Loan Servicing Payoff Statement Issued XXXX, shows a line for Deferred Interest of {$12000.00}. The most current loan from an XXXX XXXX Loan Modification, does not show Deferred Interest of {$12000.00}. The payoff statement is incorrect. SLS needs to revise the payoff statement to appropriately reflect the Loan Modification Agreement dated XXXX XXXX and Received by SLS on XXXX XXXX.
I owed a XXXX credit card debt back in XXXX for which a judgement was obtained against me. The judgement was never Renewed within the 10 years allowed which means it is no longer valid. However, the agency ( kirschenbaum, Phillips and XXXX in XXXX, Ny ) garnished XXXX from my bank account. I called them to court, XXXX, NY, and the judge ruled in my favor. She vacated the judgement on XX/XX/XXXX and demanded my money be returned. The agency has been uncooperative since that time and will not release my money to me. I do not believe this agency has 1 lawyer working with them as theyve had several complaints against them on line. Please help.
We were going on two months behind on our mortgage with Bank of America. I had lost my job because of downsizing. I had taken out a student loan and gone to school to learn a new profession, but everyone wanted at least two years experience and I had about six months. It was difficult since I was older and the job market was flooded at that time for my profession with a lot of young girls who may be faster or have more experience. Everybody was getting modifications at that time, so we thought we should try for one. We always paid the late fee with our payment if we were past the due date, but Bank of America would return the late fee saying it was n't enough for the next payment. When we went for the modification we were told it would help us get it if we were three months behind. So we did as told and got a " modification '' that was more than {$200.00}. more than the payment we had!! We refused that and by then more behind, asked if we paid up to date if we could just go back to the original payment. They said yes, so my husband got a loan from his retirement fund, we paid that, and for about three months everything was okay. Then they started billing us for the modification amount saying they had to have an escrow account to pay for taxes and insurance, which we never had included before. We always made payments on our insurance and saved for taxes and did not have to worry about paying so much every month They did not tell us if we applied for a modification the escrow was a requirement. Then I had to have XXXX, and XXXX among other medical problems and payments were impossible for us. Bank of America would not take any money except all that was due. So we ended up more behind, then the mortgage went to XXXX and they could not give us a modification with the information they had and more charges were added until we ended up currently being foreclosed with a sale date before the end of this month, we have nowhere to go since we have quite a few pets. We rescued a few and took a couple from loved ones who passed on. I also was just diagnosed with XXXX XXXX and will be having XXXX in about ten days. I am stressed to the max and blame Bank of America for not being honest with their information in the first place, and of course the person we applied for the modification with, no longer works there. I have stacks of notes from calls I made trying to work things out and the person who was in charge of our account kept changing about every month. It has been a very bad situation from the beginning. Our credit has been ruined which also affects our getting someplace to live. I am on XXXX and my husband had to retire from his job because of his age.
Reference cases XXXX, XXXX, and XXXX that were previous submitted and response was disputed, after a review and discussion by phone with the cfpb I am re-submitting new complaints as I strongly feel that federal laws were violated and that the cfpb may have not fully completed a proper review of the response dispute. 

Synchrony Bank never addressed that fact I was not receiving bills and simply stated that the XXXX accounts were charged off and sold to second round and they no longer service the accounts. 

XXXX clearly stated " XXXX XXXX has made it clear he is interested in resolving this matter. We are in the process of negotiating a settlement agreement with XXXX XXXX '' yet to date have never contacted me to reach a settlement.
On or about XX/XX/2018 I sent the attached letter ( XXXX 's XXXX letter ) to XXXX 's detailing inaccuracies they are reporting to Transunion, XXXX, and XXXX. Under section 623. ( a ) ( 8 ) of  FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but XXXX 's is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case XXXX 's was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the credit bureau.
PROGRESSIVE FINANCIAL DEBT COLLECTORS ARE TRYING TO COLLECT {$60.00} FOR RETURNED CABLE EQUIPMENT THAT WAS RETURNED. XXXX AND XXXX HAVE SINCE REMOVED THIS COLLECTION AFTER I DISPUTED THE VALIDITY OF THIS DEBT. XXXX HOWEVER HAS NOT.PROGRESSIVE FINANCIAL HAVE NOT BEEN ABLE TO PRODUCE SAID VALIDATION. I NEED THIS ACCOUNT REMOVED ASAP. THANK YOU
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
I have recently ( XX/XX/2018 ) paid off a mortgage which closed 5 months ago (XX/XX/XXXX ). This mortgage has no prepayment penalty and I was able to pay off without it. And now I got notified by the broker ( XXXX XXXX ), that the lender ( Flagstar bank ) is charging the broker more than 10k of prepayment penalty and the broker wants me to pay the penality.
My Complaint is not about the XXXX. My compliant is about NelNet and what happened before the default. As I review my statement on NelNet 's website, dated XXXX/XXXX/XXXX, it was showing my correct address. I know for a fact Nelnet had my phone number and email correct, as I have received both phone calls and emails from them. When I logged into NelNet today ( XXXX/XXXX/XXXX ) I found out that my loan was a {$0.00} balance. I then called the XXXX, who informed me that they had the following address and phone number, XXXX XXXX XXXX, XXXX, OH and phone number of XXXX. My loans were sent to the XXXX in default status. The woman at XXXX XXXX XXXX told me that I have XXXX to 90 days before I am assessed a penalty fee. I called on day XXXX. Had I not called today, l would have been charged a 25 % penalty fee for default, all because I could n't afford my payments. NelNet REFUSED to work with me, and they changed my contact information so that XXXX could not send me letters. NelNet updated my account with false information in regards to my address and phone number, with malicious intent. This caused the XXXX to not be able to contact me and work with me. I feel that NelNet needs to pay my entire student loan balance as I would have been charged over {$13000.00} in penalty fee for defaulting on this loan.
On XXXX/XXXX/XXXX I was accepted into Wells Fargo Loan Modification Program Trial Period. I voluntarily sought help before I became delinquent with my mortgage payments. I was not under any foreclosure process. At that time I was advised by Preservation Specialist XXXX that I would not make a XXXX XXXX Mortgage Payment since being accepted into the Modification Program. However, since my mortgage payment was automatically debited from my bank account and, my XXXX XXXX mortgage of {$800.00} was paid. 
On XXXX XXXX, XXXX, I was assigned a new Wells Fargo Preservation Specialist XXXX who informed me that since I had made an " overpayment in XXXX XXXX '' that it would not be necessary for me to make the required XXXX XXXX Trial Payment. The Preservation Specialist audit my account and advised the following with my agreement to have these payments automatically debited from my bank account for XXXX XXXX XXXX, XXXX {$540.00} - Confirmation # XXXX XXXX XXXX XXXX, XXXX {$550.00} - Confirmation # XXXX On XXXX XXXX, XXXX I received an email from a new Wells Fargo Preservation Specialist XXXX stating that he had been assigned to my case. 
On XXXX/XXXX/XXXX I contacted the Preservation Specialist XXXX to request a status update due to a letter received from Wells Fargo about enrolling into a Modification Program ; however he was not available and I was directed to speak to a different Specialist. This person reviewed my file and informed me that I owed {$550.00} as a result of being misinformed by Wells Fargo Preservation Specialist XXXX that no payment was due for XXXX XXXX. 
Although I attempted to explain the overpayment made in XXXX XXXX, to be current for the final Modification I had to pay the {$550.00} covering XXXX payment and balance due for the XXXX payment. 
I faxed my newly assigned Specialist XXXX requesting that he confer with Specialist XXXX to find out how she calculated my trial payments for XXXX and XXXX. I also attached various faxes questioning the misinformation I was receiving each time a new Preservation Specialist was assigned to my case. 
I am XXXX XXXX XXXX and I have never experienced this type of confusion between the various people assigned to help me through the XXXX Modification Program. It is apparent that there is no debriefing communication between individuals assigned to my case.
the company that called me left me a voicemail indicating they will freeze my assets and bank accounts and contact my employer to to collect funds from my paycheck.   The company is called " SRG ''. Called and spoke to a gentlement who asked me if I was  XXXX   XXXX  and to said the last for of my social security account. He then went on to indicate this is reference to a  XXXX   XXXX  account. I said that was  discharged  in my bankruptcy and is no longer on my credit report. I advised him this is the second call I received in a month. He said he just received or was outsourced this account info. I tried to give him my lawyers number and he said no never mind I will transfer to our bankruptcy department.     The voicemail left was threatening. I received a prior call in such manor about this  XXXX   XXXX  account which is closed. I contacted  XXXX   XXXX  personally and they said they do not have anyone outsource to collect any money for my account is closed.     Thank you  XXXX  number that they called me from :  XXXX  I will save the voicemail too
I just received a notice from XXXX XXXX XXXX, XXXX, a debt collector of American Express. This communication is to dispute owed of {$5700.00} from American Express. My card was used without my permission by my ex husband and charges were incurred by him and other persons. I have always paid my debt timely and American Express refused to take disputed charges off. As a result, my credit has been impacted and the debt was charged off and they refused to even file a claim. AMEX behavior violates consumer protection laws and the law firm is engaging in predatory debt collection practices. This is ridiculous, I want this deft off my credit ASAP. SO THIS IS MY FORMAL DISPUTE WITHIN 30 days.
After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a XXXX round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all three credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors.
My husband and I applied for a second home mortgage with Quicken on XX/XX/18 for {$250000.00} with 15 % down, I was pre-approved instantly. We were assigned mortgage banker XXXX. A few days later I called Quicken so that I can speak with XXXX, XXXX XXXX answered the phone and told me that she can assist me because she is a senior mortgage banker. XXXX suggested that I should go ahead and get completely approve. I ask what is need and if my credit will be pulled again and she said no. I provide all the requested documents within 24 hours, the next day I spoke with her and she told me that we were approve she just needed a employee verification letter for my husband because they could figure how many hours he is guarantee. We provided that letter and she told me that we are completely approved but the numbers went down a little because of my husband child support obligation. I said ok. For weeks she called and encourage me to go to Georgia to look at properties. I spent {$1000.00} going to Georgia looking at properties. XXXX XXXX our first agent was told to push and help us because our loan has been completely underwritten and approved. We had to switch realtors and was assign to XXXX XXXX. XXXX conference called me and XXXX and she advise XXXX that I was completely approved and to put extra effort to help us find a property. We found a property and went into contract. XXXX request updated paystubs and bank statement, we provided them. We were then transfer to XXXX XXXX, who requested more documents we provide all. Now they are requesting child support court order. My husband have no time off of work he is on probation and if he miss any time or is late he will be terminated. I went to the courthouse with a notarized letter, and my husband ID I did not get the document. We offer Quicken a break down of payment for the past 17 years they refuse. Now our loan is denied and provide a denial letter stating application incomplete : incomplete application documents. Which is not accurate.