WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a {$200.00} prepaid XXXX gift card from XXXX XXXX and XXXX. I tried to use the card a month later and found out that somebody else had used the card ( stolen ). I immediately called customer care and sent in required information to have the card replaced. I have since obtained a new gift card in my name and while waiting close to a month to have the three fraudulent charges disputed, I have been sending more than 3 faxes and just today I was told that whoever put in the dispute form mistakenly put in Washington State instead of XXXX XXXX ( where I live ). They just told me that I have to start the procedure all over again because it was an error that they have made. I can clearly see that the fax I had sent in has the correct address with XXXX in the state. I simply wish for the stolen money to be returned back to the card.
southwest credit systems L.P. continue trying to collect on a debt that is barred from collecting according to 42 PA C.S. 5525 ( a ) promissory notes and open end accounts is four years
My problem is with the loan servicer, Navient. I requested a Income based repayment plan in XX/XX/XXXX. According to the website, and the letter that I received, no payment would be due until XX/XX/XXXX. I got an email and few weeks ago stating the my loan is now currenting due. I logged back into the website and discovered that a payment in the amount of {$220.00} dollars would be due on the XXXX of this month ( XX/XX/XXXX ). I contacted the company and asked why suddenly are all my loans due. They could not explain why that made sense to me.
NAtionstar/Mr.Cooper Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!
I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the Federal Student Loan Forgiveness to XXXX ( my student loan holder ). 
My application was received and accepted by XXXX and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. XXXX still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the Federal Student Aid/Student. Loan Forgiveness Program. XXXX also notified me my application was approved, would be dismissed and removed from my credit report.
I am in process of refinancing my mortgage with a new lender ( XXXX XXXX ). In the process of doing so my mortgage servicer ( hsbc ) had been changed to a new servicer ( XXXX XXXX ). When XXXX  requested my payoff amount from XXXX the amount was over 277,000. My credit report and monthly statement has it listed as XXXX When I called XXXX and have they both could not tell me when I incurred the roughly 25,000 extra. XXXX says they no longer have info and XXXX has it. My problem is I need to know when this extra money was incurred, why and whom approved it ( do they have a signed agreement? ). Please help me get an answer as to why the extra monies are owed and under what proof do they have that I owe it. Thanks XXXX
I called the  XXXX   XXXX   2017  to ask a question about how much I actually still owe because the website is unclear. It to ok 25 min utes before anyone answered. I was told I owe  XXXX  plus an additional  XXXX , so I paid all of that online with my bank account. I called again today  XXXX   XXXX   2017  because I notice all that money was gone from my bank but the their website says I still owe  XXXX . It took  me 27 minutes before anyone answered. The customer service is short and rude and actually hung up on me when I started the wait time was too long. Called again 29 minutes got someone. I found out I overpaid my loan by about 120 dollars because the first representative was incorrect about how much I actually owed. Now, I have to wait 60 days to get a refund. It is also worth noting that my credit score dropped dramatically because they claimed they were emailing me warnings about starting my payments but when I c hecked my email on the dates given that I got these warnings I have no emails and also got nothing in the mail.
Today is Sunday XX/XX/XXXX My name is XXXX XXXX. Current address XXXX XXXX XXXX XXXX XXXX, IN XXXX with a Mailing Address of XXXX. XXXX XXXX XXXX, IN XXXX. 

I have tried for more than a year to have Credit Bureau 's along with previous Creditor 's and ( UNAUTHORIZED ) Collection Agencies CORRECT/DELETE entries on my Credit Files due to VIOLATIONS of the FCRA, FDCPA, HIPAA OF XXXX, along with RISA AND the MVISA statutes to name a few. 

Not only are these " creditors ' in violation, but the " Credit Bureau 's '' as well. Even though I I have provided documented facts in the past, they maintain their records are accurate without providing verifiable proof of qualification. 

One of the many dates does go back, at least, to XX/XX/XXXX. 
I AM TIRED OF these companies CIRCUMVENTING the LAW!
In XXXX XXXX I received a loan from XXXX Mortgage XXXX Located at XXXX XXXX XXXX XXXX, CA XXXX. I am not sure when XXXX sold my mortgage to Deutsche Bank National Trust Co. But they end up with my mortgage without the right documentation. I was a victim of these unscrupulous practices. 

Since XXXX Deutsche Bank National Trust Co has been trying to foreclose my house. I have been requesting them, through XXXX, and now XXXX, TO PRODUCE THE NOTE and the Assignments of the loan. I have not being able to obtain NONE of these copies. 

FIRST : I want to see when Deutsche Bank National Trust Co obtained the NOTE. I want to make sure that they own this mortgage. 

SECOND : I want to see WHY Deutsche Bank National Trust Co obtained A NOTE, IN XXXX AND ANOTHER Document in XXXX. 
I have a copy of the NOTE, signed during the closing in XXXX, made to XXXX. I have never received the Assignments of this NOTE to Deutsche Bank National Trust Co. In fact, the copy of the NOTE received in XXXX, from the loan servicing XXXX, is a different document that XXXX sent me on XXXX XXXX. 

This worries me. I am very concerned. It seems to be a fabrication of a document by the legal team from XXXX. 

Unfortunately it is well known, that the banks fabricate documents to prove their cause of action. 

My home has been scheduled to be foreclosed on XXXX XXXX Please help me to make the banks to do the right thing for once. 

Thank you
XXXX 2008 we requested a short sale from Countrywide on our XXXX XXXX property. We owed XXXX ; the offer was XXXX. We called and spoke with Countrywide Reps at least 50 times and were told it was being processed and then they sued us. The XXXX offeror gave up without an answer and bought another property. A new short sale for XXXX was presented. XXXX XXXX, Sr. VP Countrywide in CA called the buyer 's broker, told him to withdraw his offer, resubmit for XXXX and Countrywide would deliver the property. Countrywide also converted the property by locking us out, changing the locks and preventing us from selling to anyone. We wrote to XXXX XXXX, Bank of America CEO and send a complete file. a deputy called back, said they would check and we never heard from them again. Then BOA sold the mortgage to XXXX who added a new mortgage, perhaps XXXX XXXX. From 2008 until the present, we have never been allowed access to our home and XXXX has continued to destroy our credit beyond imagination. We now live in XXXX, are both XXXX citizens, and I am recovering from XXXX, XXXX 4 months ago. Saturday, we received a bill for over XXXX from the XXXX tax department for a property from which we have been prevented access for over 5 years. We have been harmed beyond imagination by a cadre of bankers and lawyers who ignored court rulings to review in good faith the offers we presented. We lost untold thousands of dollars not to mention an inability to protect our future, whatever it is. I have documentary proof of what I have written, names and numbers.
The CFPB was great with my last complaint with the banks and credit card companies. However, there is another issue no-one ever seems to consider. I am certain that this experience has happened to you too. Now remember, multiply my complaint by 10 million customers every day and the money adds up. OK, you buy something, the credit card companies bill you immediately. Now, you return this item for a credit. Why does it take up to 8-10 days before you get your money on your card account??? They took the money with no problem, but when it comes to returning it, it takes 8-10 days. Imagine 10 million people every day waiting for their money to return? Meanwhile, the banks with the credit cards are using your money elsewhere and making money off your money, while they put you on " HOLD ''. 
It seems to me that anything the banks do, is always to cheat the consumer
I had a salliemae loan that was transferred to Navient. I went to XXXX XXXX XXXX @ XXXX XXXX IL they changed the name of the school and the name of the lender so they can write more loans. I was a student in XX/XX/XXXX. They kicked me out of the program for random drug screening with XXXX  in my XXXX they changed my graduation plans and I fell mentally ill. I fell back on repayment and brought it current with {$900.00} payment and they offered me forbearance to keep it from falling behind again. When six months passed the loan came back {$3000.00} higher than before I paid {$900.00} they told me there is no charge for forbearance but there was and automatically knew this loan would not be affordable. I should have did my paperwork differently because I was actually unemployed when signing up but I wanted to seem professional but my uncle didnt hire me when I left XXXX XXXX calling me overqualified. So the whole application was based on a lie. I was XXXX when I signed it at XXXX and they wrecked my credit and they kicked me out. I didnt smoke at school and I didnt have money to eat yet they kicked me out and made me Retake XXXX XXXX even though I was on my last day and they charged me twice for that course too {$2000.00}. I passed the first time but gave me a 0 with 100 % attendance which dropped my gpa and wouldnt allow me to go to a XXXX school for paid internship which is why I signed up to begin with. She told me if I finish I could get {$18.00} per hour to go to that XXXX   after school. Just all lies fed to an XXXX year old. They make commissions and discredit our involvement.
I paid my balance off in XX/XX/XXXX i have debit statements proof, they sent me a paid in full letter, the rep said it would be deleted from off my credit report, yet I still see it on there months later and I called to reassure on XX/XX/XXXX and a different rep said that they dont delete paid balances, then why would the first rep falsely lead me on to pay a debt that wouldve fallen off by law XX/XX/XXXX Portfolio Recovery associates XXXX XXXX XXXX XXXX, VA XXXX XXXX
The company EOS CCA has been mailing me for the past 2 years trying to collect a debt that they do not own. 

I had a balance to be paid to XXXX XXXX XXXX over 4 years ago. On XXXX XXXX, I called XXXX XXXX XXXX to take care of this matter. XXXX XXXX XXXX told me that the debt was sent to collections and provided me with the info of such collection company - which is NOT EOS CCA. 

The collection company & XXXX XXXX XXXX collaborated so I could pay off my debt & open a new Cell account with XXXX XXXX XXXX. I got a letter from such collection company indicating that the " Original Account from XXXX XXXX XXXX has been settled in FULL. and that Payment was received on XXXX/XXXX/XXXX. '' Such collection company also updated my credit report & indicated that the account was settled in full. 

However ... since all of this happened, seems like this EOS CCA company got a hold of my personal info and has been mailing me since XXXX XXXX. 

I moved homes this summer and now they have found me again!! 

I called them to the number they provide on their collection letter, and they have pleanty of my information ( Full name, address & phone Number ). 
They also claim that they purchased the debt from XXXX XXXX XXXX on XXXX XXXX XXXX!!! 
How is that possible? 

I called XXXX on XXXX XXXX to take care of this matter & they NEVER mentioned this company. 

EOS CCA has almost the same account number that the one that XXXX XXXX XXXX & the other company had, but it differs from only XXXX digits. 

Also, when I called EOS CCA to get an email with docs proving of the debt I owed he said that they do not email. But he said that he could send me another letter that would like exactly like the one I just got from them. 

When I was disputing my debt with the other collection company, they quickly emailed me docs to prove what I owed and how we could fix such. 

As a conclusion, EOS CCA is either a scam company trying to get money from people that is struggling with collections. Or a poorly run company that does not check facts on the people they are trying to collect money from.
On XX/XX/2017 XXXX XXXX FL came out to my home to give me an estimate of my a/c repair.

After investigating the problem they gave me their estimate. The cost would require me to open an account to pay for this service. I declined the offer as I was not financially able to open up new credit. I refused the offer as I was not willing to open new credit. 

The technician left and I believed the matter was closed. Before reaching the end of the month I received a bill statement siting my new line of credit {$5000.00} an available credit of {$4600.00} with an outstanding 'purchase ' of {$400.00}. 

They provided me no repair service but a Quote.
I am a victim of identity theft. The unauthorized and fraudulent accounts and inquiries, do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Wells Fargo continually charges me {$35.00} on XX/XX/XXXX for each overdraft used via my debit card. I have repeatedly requested that if the money is not in the bank to decline the transaction. Do n't charge me {$70.00} to decline the transaction. Please process as soon as possible. As always, I truly appreciate being represented by the federal government, specifically the Consumer Financial Protection Bureau. Thank you kindly.
On XX/XX/XXXX - Using my PNC online account, I made an early payment towards my XX/XX/XXXX mortgage loan payment in the amount of {$300.00}. 
On XX/XX/XXXX - PNC, using the auto-payment system, took the full amount of my XX/XX/XXXX mortgage payment even though the {$300.00} paid on XX/XX/XXXX had been credited to my mortgage. 
On XX/XX/XXXX - I called XXXX concerned about the {$300.00} over payment taken by PNC. I was told by XXXX XXXX that there was a glitch in the new payment system and that they were working to resolve it. She said many customers were calling with complaints and PNC was working hard to resolve the problems. I gave my information and was told my {$300.00} would be returned to my checking in 3 to 5 business days. 
On XX/XX/XXXX - I called PNC again because my {$300.00} had not been credited back to my checking account. I spoke with XXXX. I was told by XXXX that my {$300.00} would be processed back into my checking no later than XX/XX/XXXX. 
On XX/XX/XXXX I called again because I still had not received my {$300.00}. I spoke with XXXX who told me that he sees a record where a request by me had been processed, but it would take up to 30 days to be reviewed for the return of my {$300.00} over payment.
I was a customer of HSBC bank. It XXXX or XXXX I had a personal checking and savings account with them. I called customer service to lodge a complaint that money was removed from my account without my authorization. They investigated it and decided to close my account. Unfortunately, because it was so long ago, I do not recall nor do I have my account number with this corporation. I attempted to open another account with them several years later. I was permitted to open the account. The following day customer service contacted me and informed me they closed my account due to my previous account having been closed by this institution. I feel that their investigation was inconclusive and as a customer, lodging a complaint to them about unauthorized usage of my account, I should have not be penalized for submission of this complaint.
Seterus Inc refinanced a mortgage without my knowledge or consent. In XX/XX/XXXX they named me as a primary and my ex wife a signer and extended my credit 636 months at {$1200.00}. I had no knowledge of this and signed nothing, I have not owned this property since my divorce in XX/XX/XXXX.  Thank you
This is regarding a complaint that I filed on XXXX/XXXX/2016 regarding my loan servicer PHH Mortgage. I have spoken with them on numerous occasions and have stated that I am still being sent bills for double the amount that I owe on my mortgage. I have not received any response from CFPB and following up to see when I might expect an email. I have never been late on a mortgage payment in my life and PHH has been paid up to date.
On XX/XX/XXXX bank name : XXXX XXXX XXXX pulled my credit report which is showing a medical collection item listed for the amount of {$660.00} which does not belong to me. Tried to contact the medical provider no such address or phone # listed.

XXXX the merchant account # XXXX   which comes up as a fraud company.

Went on Equifax.com to dispute this entry. Turns out this medical collection item doesn't appear on my credit report so that I can submit a dispute.

XX/XX/XXXX Contacted Equifax at XXXX and spoke with a representative about disputing this medical collection item. He responded were not showing that you have any outstanding medical collections on your credit report. He provided me a confirmation # XXXX.

My question is how does the XXXX XXXX XXXX pull this credit report ( Equifax ) showing this medical collection and Equifax doesn't show this medical collection on my report.
Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( XXXX, XXXX, and Experian ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX XXXX XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against Experian since you told me to file separately against each credit bureau.
On X/XX/17 I set up auto payment for my new credit card account with Capital One. Apparently this auto payment information did not save? No one reached out to me, but when I logged in 3 months later I saw I was 2 months past due, 2 months worth of late fees had been assessed, my account was now past the limit because of the additional fees, and I now had 60 days late on my credit. When I reached out to the agent she suggested I perhaps updated my checking information. I did n't - and when I went to make a payment the information was still stored. She then suggested perhaps my email went to spam? Something like 30/60/90 days past due because of a glitch in the system require more than an automated email that goes to spam. When a consumer sets this up, the intent is that it works and they do n't have to check back in every month to ensure the company 's software is functioning properly. Furthermore, I tried to discuss this with the agent who gave me incorrect information, then continued to just copy + paste all of my past due dates, which does n't even start to resolve the problem. The chat was with XXXX XXXX, starting at XXXX. Her ID is XXXX.
Today - XX/XX/19 S & S called me 5 times, called my husband 's personal phone, and called his work. I tried calling them back and they would hang up on me, send me to voicemail, put me on hold for long periods of time, and kept transferring me to people that weren't involved in the case without transferring me to the person I needed to talk to. The Vice President, XXXX XXXX was extremely rude to me, kept interrupting me, and not listening to what I was saying. Back a few months ago I told S & S that they were not allowed to contact my husband, but they call so many times a day, sometimes 3 times within a 20 minute period. I feel harassed by them. Also, they claim that I owe a higher amount than I actually do, almost {$2000.00} more than I do. I tried to resolve this but the managers were just rude and told me they could call whoever they want whenever they want, which is clearly against the Fair Debt Collections Practices Act. XXXX claims that everyone in his company is FDCPA certified but they can not follow simple laws.
Mortgage with XXXX was sent to shellpoint mortgage services as known as resurgent. They tacked on frivolous charges ( service ) and could never explain basis for them. I did modification in 2013 with them that took forever because they kept losing the package. Finally I was supposed to get a XXXX for 2013. I have a letter stating they will provide said document but I have yet to receive it. I keep getting runaround because they are lying ( stating request never put in, different date for XXXX, saying never produced by them )
I have called XXXX XXXX XXXX at least 20 times with no resolution. I spoke with a representative named XXXX. The other 19 times I was sent to voicemail with no returned phone call. XXXX would not provide me with any information re : my debt instead she transferred me to a number that was disconnected.
I believe Nationstar Mortga ge, LLC may be co mmitting widespread fraudulent adjustment of variable mortgage interest rate loans, at rates higher than legally allowed in the mortgage contr act : 1. Nationstar acq uired our adjustable interest rate mortgage last Fall from previous holder,  XXXX   2. First  adjustment notice under  Nationstar r eceived  XXXX   XXXX ,   XXXX  , indicating interest rate increase from 3.500 % to 4.12 5 % 3. Cont ract provides  for MAXIMUM rate increase of 2.25 % + LIBOR rate  in place at 45 days prior to change date  4. Nationstar adjustment to 4.125 % would equal LIBOR rate of 1.875 5. On the 45th day prior to the change date the ACTUAL LIBOR was only 1.81. During the 30-day period around the change date ( 15 days prior and 15 days post ) ALL LIBOR rates were lower than the 1.875 6. Using the actual 45-day prior LIBOR, our adjusted interest rate should have legally been 4.06, NOT 4.125 % 7. The difference in rate would illegally cause us to pay tens of thousands of dollars in additional interest over the life of the loan 8. A com plaint filed online with Nationstar on  XXXX   XXXX ,   XXXX   has remained unanswered  9. If this is a systemic practice, all adjustable rate mortgage holders with Nationstar could be being charged hundreds of millions of dollars in fraudulent interest 10. Seeking investigation into both our loan and whether this is a company-wide fraudulent busines s practice
I have a loan with Navy Federal Credit Union that was already charged-off 5 years ago. Yesterday, I have to borrow money from my brother as I am going through financial rough times, but he deposited the money to my savings account with Navy Federal Credit Union since he has an account with the same bank. The NFCU then transfer the funds to the loan that was charged-off 5 years ago and I am left with XXXX balance.