WillisBack/dataset-financial-user-claim huggingface dataset:
My husband had emergency XXXX XX/XX/2018 at XXXX XXXX Hopsital in XXXX, GA. He went into another XXXX 10 days later because a XXXX was removed within 3 hours instead of waiting 7 days. Because of this removal, he had a XXXX XXXX XXXX and was sent back to the hospital to XXXX, involoving unnecessary charges. I contacted the Patient Advocate line for the hospital to dispute paying the second XXXX bill because that was the negligence of the physician for removing the XXXX too soon. I received a letter from the Office of Medical Affairs on XX/XX/2018 from XXXX XXXX saying he would look into this matter and the account will be frozen until the problem is resolved. 

We were making monthly payments on the account. On XX/XX/XXXX, we made a {$150.00} payment towards our balance of {$1800.00} via the online portal for the hospital. We made an additional payment XX/XX/XXXX, for {$50.00}. 

XX/XX/XXXX, we get a phone call stating that the balance has been moved to a collections agency. We received no warning, written nor verbal that the balance was being moved. We were also making monthly payments on the online portal for the account. Why was it sent into collections when we were cooperating? 

I want to bring attention to this matter as it was wrongfully handled and we desire justice from XXXX XXXX.
This problem has been ongoing problem with Honda Financial service : I have received a letter in the beginning of the XX/XX/XXXX indicating that I have owe Honda Financial service amount of {$130.00} for the Vehicle tax for XX/XX/XXXX to XX/XX/XXXX for Honda Civic I have trade in at XXXX for new vehicle on XX/XX/XXXX and Honda received paid off amount of {$13000.00} on XX/XX/XXXX. ( see attachment ) I have called a Honda Financial Service on XX/XX/XXXX and spoke to representative XXXX ( wo n't provide the full name ) and received Case # XXXX : XXXX said he would put my account on HOLD until XXXX County refunds the Tax for Honda Civic, due to the fact that XXXX have paid in XX/XX/XXXX for the whole year 's Vehicle Tax : And advice to ignore the future invoice from Honda. 

Its ' been over three months now, Honda still sending me a Letter indicating PAST Due and will effect my credit score (  threatening me ) and suggest of {$100.00} to compromise the case : I feel, Honda Financial service is trying to Scheme me of this TAX Bill. 

I DO NOT OWN the vehicle from XX/XX/XXXX ( see attachments ) Plate and registration for the vehicle was returned on XX/XX/XXXX. 

I even called the XXXX County Vehicle Tax department to find out, and they told me that they have return the Civic ' Tax for XX/XX/XXXX to XX/XX/XXXX portion to Honda already. 

So, in this case, Honda should close my case and should not be sending me the LATE DUE letters. However, XXXX is still sending me the Late Due letters and I want this to be CLOSE ASAP. I do n't feel obligated to paid the Vehicle tax for the vehicle I do not have the ownership! Honda need to have better organized financial service group. 

I wonder how much money they have collected this way and not returning the money back to the customer. 

For two years of being loyal customer to Honda, ( no late payments etc ), I should n't be treated or threaten By XXXX in this matter.
In XXXX I had to file bankruptcy due to my XXXX to protect myself. I had to include my car loan eventhough I intended to pay it off, which I did in XXXX of XXXX. I have the lien free title and a letter from Capitol One Auto Finance releasing the lien. I have asked Capitol One to remove this bankruptcy report from my credit reports but they refuse even though they acknowledge that I paid it off and they say it will stay on my reports until XXXX. I contacted the XXXX credit reporting agencies as well however they are telling me that it is up to Capitol One Auto Finance to remove the negative reporting. I want this removed from my credit repors as I am trying to rebuild my life after the devastating blow that I took because of my exhusband. 
My name is XXXX XXXX, my loan number is XXXX and it was for a XXXX Ford Taurus VIN # XXXX. My contact number is XXXX.
I disputed some inquires on my credit file on  XX/XX/XXXX . There were  XXXX  total inquires I disputed, in about a 24 hour period Equifax sent confirmation that the investigation was complete and I could review the results. They responded by saying ; The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor.
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They, never initiated a true investigation, they just took the lazy way out and wanted me to do their job! To my understanding and research - if I dispute any item on my report they have to initiate an actual investigation - they should be able to provide documentation showing I authorized the inquiries to be made and also be able to provide a Verification from each source that this was investigated and verified. They are not following FCRA sections 609 or 623 - I will wait for a response, then if need I will also follow up with a complaint with CFPB on this matter.
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Equifax Report Confirmation #  XXXX  Inquires Disputed ; Leasing Desk - XX/XX/XXXX Equifax Mortgage Services - XX/XX/XXXX   XXXX  - XX/XX/XXXX   XXXX  - XX/XX/XXXX  *Actually, if they investigate they will see that  XXXX  do n't even offer service in my Area . * Respectfully,   XXXX   XXXX   XXXX   XXXX
I fax a complete modification packet to Nationstar on XX/XX/XXXX. I called Nationstar yesterday for an update to make sure the under writer was not requesting for any additional documents. However ; Agent XXXX told me that my packet was denied. I told him that can not be possible because my documents were just faxed XX/XX/XXXX.
He said that my file was denied on XX/XX/XXXX I told him than my documents were not even review because it was to quick to have a decision. I explain to him my new source of income which is rental. My loan should be eligible for the Flex Modification since my investor XXXX XXXX participates. I need an explanation why my loan was not approve for the Flex Modification. based on the guidelines I should be provided an affordable payment. I honestly feel that Nationstar is just prolonging my case making me fall further behind. My intentions are to keep my home, I am an elderly man and is hard for me to move around. Please help me and provide me the assistance I am requesting. Thank you.
XX/XX/XXXXTo Whom It May ConcernRe : Loan # XXXX Suppression/Removal from XXXX Credit ReportI am hereby submitting this complaint concerning Ocwen 's suppression and removal of my loan status from the XXXX Credit Report. This loan was transferred from Litton to Ocwen who now has the Fiduciary duty in reporting the loan status to all Credit Report Reporting Agencies. 
This two-plus ( 2+ ) year old issue remains un-resolved to -date after numerous communicative attempts through 'Customer Relationship Managers ', Accounts Representatives and Managers etc to have this resolved, ( see attached email transcript " Fwd : Fwd : XXXX Confirmation on Ocwen Loan XXXX XXXX XXXX XXXX '' ). 
The earlier XXXX Report snippet of XX/XX/XXXX clearly confirmed the presence of the loan account status on the report with Ocwen as the servicer prior to its suppression ( see attached " XXXX_Confirmation_of_Suppression_by_Ocwen.pdf '' ). 
In the attached " XXXX_Confirmation of Account Removal_ Suppression.pdf '', the XXXX Investigative Report of XX/XX/XXXX clearly shows that Loan # XXXX was deleted. 
The Full TransUnion Report of XX/XX/XXXX clearly shows that the status of Loan # XXXX remains suppressed/deleted from the Report. ( see attached " XXXXCredit_Report_XX/XX/XXXX.pdf '' ). 
Communications between both Ocwen and XXXX to have this resolved resulted in scapegoating explanations. XXXX recommended getting in touch with the Lender " Ocwen '' and Ocwen subsequently responds with the release of further misinformation and confusion in their " credit report letter '' deceptively suggesting contacting the XXXX Credit Bureau ( see attached '' Loan_Status_XXXX_From_Ocwen.pdf ''. 
With this hard evidence that is provided, I am submitting my complaint, which clearly confirms Ocwen 's illegal and deceptive manipulation of my loan account which is in good standing from XXXX that it now has Fiduciary duty to maintain. 
Thanks in advance for a final resolution to this issue that has negatively affected my credit inquiry results for the past 2+ years. 
Regards, XXXX XXXXXXXXXXXX
One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX XXXX  from XXXX or before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}
CITI FINANCE SENT ME A XXXX CANCELING THIS DEBT ITS STILL ON MY CREDITS REPORTS
On XX/XX/2018 I submitted a credit card dispute claim with CHASE CARDMEMBER SERVICES for three transactions totaling {$7000.00} dating from XX/XX/18, XX/XX/18, and XX/XX/18 respectively. As a financial services professional, I take very seriously the merchant chargeback process and only availed myself of this recourse as a final option since the merchant was unwilling to speak with me further. I provided a detailed affidavit with direct, explicit supporting evidence for my claims to CHASE, including my original business contract between myself and the merchant. 

In subsequent days and weeks, I followed up with phone calls to the CHASE CARDMEMBER SERVICES dispute support team wherein I was advised that my claims " were being investigated and that should we require additional information, someone from CHASE will be in contact with you. '' Eventually, through additional numerous calls to the CHASE CARDMEMBER SERVICES dispute support team, I was informed that the transactions in my claims had been validated as legitimate transactions with no explanation as to how these conclusions were reached. 

When I asked CHASE representatives for evidence of how they reached their conclusion and for proof of any steps that were taken to either validate or invalidate my claims and provided supporting evidence, I was told that they are unable to provide as much. When I pressed the CHASE representatives for further details on how they reached their conclusions citing the direct evidence that supported my initial claim, the CHASE representative indicated that my case had been reviewed by senior dispute specialists and that was all they could tell me.
Discover emailed me about fraud activity on my credit card. I received the email and contacted them when I got the email. It was determined that the charges were fraud and card was not in my possession. My last known whereabouts were at a XXXX XXXX. I was within rights of notifying discover of my fraudulent unauthorized charges. they instructed me that there is a XXXX XXXX liability on fraud charges. i thought everything was ok until XX/XX/XXXX where i called them on status of dispute and they said they were denying the claim and that i will be billed. i was like why was n't i notified and why is it denied? they said because i had fraud on my account earlier in the year? i did not authorize those charges, i did not do those charges. i asked what im suppose to do to? they said i need to file a police report for them to reconsider. i went straight to the police office. they actually were n't even too happy i was there because they felt i was wasting their time? one officer said he was taking the report as a courtesy. 2 weeks later discover denied it still. i then asked the XXXX police department about it and they told me that discover fraud department are not the law enforcement and they are in no position to be acting like it. by treating me like a criminal, and acting like they were the police really upsets me. i did everything they asked and even went to the police for help, i am running out of options?
XXXX XXXX XXXX {$480.00}. I am disputing this on my credit. 

XXXX XXXX - {$28.00} ( Shows balance of XXXX that needs to be paid I'm disputing this also. 

XXXX is XXXX balance, i'm disputing this because they still shows on my credit.
I am a consumer with us bank and their policy states that they do electronic messages and agreements state Your authorization and consent to such agreement to such an agreement or your delivery EX ( " EMAIL TO ACTIVATE MY VISA DEBT CARD '' ) Delivery of instructions may be made by certain numbers codes ex ( activating debit card ) ex XXXX that is the code marks signs ( pin ) public or private keys or other means acceptable to you and to us establish your identity which i did when opening and acceptance of electronic communications like email the policy states identity which means that my email which is a valid email and authentic email which is true my email with my account is valid and authentic that all communications go to me even though it spelled differently but it goes to me and as a true fact banks are allowing consumers to activate via text and email but the account number is ONLY FOUR NUMBERS NOT FULL Ex account number XXXX sent by XXXX XXXX XXXX and with a code to activate card ex number XXXX ( code ) Please note that is NOT A REAL CARD NUMBER BUT ITS JUST AN EXAMPLE that banks are doing I am very dissatisfied with us bank not allowing me to use my email to activate my card even though my email is valid which states in the terms on page 34
My XXXX prepaid card was closed some time around XX/XX/2019 by Chase bank. I can't access my remaining fund on the account and the phone rep I called on XX/XX/2019 said she doesn't know how long until the fund is released. This is such a scammy way for XXXX to take a interest-free loan on my money.
They are reporting the same account on the credit 3 times making it appear as if there are XXXX seperate loans
XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Final Payoff of HELOC Account Number XXXX To Whom This May Concern : I am reaching out to the CFPB since I recently paid off our Home Equity Line of Credit ( HELOC ) with the life insurance payment from my husbands XXXX. 
Much to my surprise, Wells Fargo also charged me the accrued interest of {$520.00} ( 28-days ), and required I pay this monthly interest, which was included in the final HELOC payment. Additionally, an automatic, system-generated payment of {$510.00} was deducted from my checking account. Essentially two interest payments were made, totaling {$1000.00}. 
The final payoff balance and interest information was obtained from XXXX at the Wells Fargo HELOC Customer Care Line XXXX. 
Reference Number : XXXX Date Amount Explanation XX/XX/XXXX {$160000.00} HELOC Principal Balance Appearing Online XX/XX/XXXX {$18.00} Interest Accrued Daily XX/XX/XXXX {$10.00} Recording Fee XX/XX/XXXX {$520.00} Interest Payment ( 28-days ) charged ; included in the final payoff figure XX/XX/XXXX {$160000.00} Final Payoff Balance obtained via Wells Fargo HELOC Customer Care Line XXXX XX/XX/XXXX {$510.00} Automatic, system-generated payment deducted from checking account I made the final HELOC payment of {$160000.00} on XX/XX/XXXX. Not only was an interest payment of {$520.00} included in the final HELOC payoff figure, an automatic, system generated payment of {$510.00} was deducted from my checking account four days before on XX/XX/XXXX. 
I am requesting a refund of {$1000.00} which is comprised of : {$520.00}. XXXX interest payment ; included in the final HELOC payoff figure {$510.00}, automatically deducted payment from checking account. 
I understand there is a {$10.00} recording fee, and I am fine with paying the recording fee, however this additional {$520.00}. XXXX interest payment, and the automatic deduction of {$510.00} totaling {$1000.00} should be reimbursed to me. If a car loan is paid off, the principal balance is paid in full ; a monthly car loan payment is not required in addition to paying off the loan. 
We have been loyal customers of Wells Fargo, and have done all our banking with them since XX/XX/XXXX. I should not have to pay a monthly interest payment when I am paying off our HELOC, especially due to the extenuating circumstances of my husbands XXXX. These interest payments should be reimbursed to me. 
What is the CFPBs stance on this situation? Is Wells Fargo justified to charge a monthly interest payment when a substantial loan is being paid off in full? There is not supposed to be any pre-payment-penalty. Enforcing payment of the monthly interest, is as if I am being penalized for paying off the HELOC.
I have a loan with LOBEL FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and LOBEL FIN with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for millions of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. 

Navient does not make the loans, but it holds lucrative contracts to collect payments each month on behalf of banks, government and other lenders. 

From XX/XX/XXXX to XX/XX/XXXX, CFPB estimates that Navient 's practices cost borrowers up to {$4.00} XXXX in extra interest by repeatedly enrolling borrowers in forbearance. CFPB also found that many federal student loan borrowers were unaware that the government could pay part of the interest charges on their loans when personal circumstances prevent borrowers from keeping up.
On XX/XX/2016 I went into Chase located at XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX, to make a credit card payment. I originally gave the teller {$800.00} cash along w/my credit card and ID. Then I changed my mind and told the teller just to pay {$700.00}. So the teller filled out the payment slip originally w/ {$800.00} then changed it to {$700.00}, had me initial where the changes were made then sign the slip. She gave me a receipt and my {$100.00} back. On XX/XX/XXXX I realized there had to be something wrong w/my account as I always pay my bill and rarely leave a balance. So after several hrs of trying to figure out where the error was I realized that the {$700.00} payment was never posted to my account. I called card services and they credited my account, opened a case and told me to fax over the receipt that was given to me. On XX/XX/XXXX, I went into Chase and faxed a copy of the receipt. I saw the credit as soon as I logged onto my account on XX/XX/XXXX. But then on XX/XX/XXXX or XX/XX/XXXX I saw my account very high again so I looked online and could n't find why until I scrolled all the way down to XX/XX/XXXX transactions their I saw that the {$700.00} credit was taken away. I called Chase and was told I was sent a letter in reference to the credit ( I have not received it at all ). They were not helpful at all they told me to go to the branch and discuss it w/the manager. So I went into branch and spoke to XXXX XXXX who told me she was aware of my situation and that she did n't understand what went wrong. But I left the bank w/her telling me she will get back to me as I told her I was going to go to the XXXX XXXX police dept. to file a report. I did just that the report # is XXXX, I was told that a detective will get in contact w/me and I 'm still waiting. I 'm a single XXXX mom and {$700.00} is n't something I can afford to repay again. Therefore I was advised to contact CFPB and I 'm praying that this matter can be rectified as soon as possible as I do n't need this on my credit report. I will also be contacting the Office of the Comptroller of the Currency ( OCC ) along w/Legal Services ( CFPB ).
I have not been able XXXX obtain XXXX Refunds XXXX my AMAZON CREDIT CARD XXXX is XXXX {$80.00} for a Jacket that was sent back too XXXX on XXXX/XXXX/2015 and as of this date XXXX/XXXX/2015 no Credit has been issued.The Second is for a pair sticky sandal that were also returned on XXXX/XXXX/2015 to XXXX .I have the XXXX RECEIPTS for the Jacket that was too small and it was lined with Dog Fur I had too pay {$29.00} and file a CUSTOM DECLARATION XXXX
After complaining to both XXXX XXXX ( XXXX ) ( formerly XXXX ) about how they wrongfully booked their payments for XX/XX/XXXX and XX/XX/XXXX late and reported to Equifax. They corrected and took off my credit record, but then miraculously the next year changed the so called late payments to XX/XX/XXXX and XX/XX/XXXX. This is follow up on former correspondence and payments that were and still are falsely reported on my credit reports with all agencies. The accompanying literature documentation shows the gross mishandling of credit reporting and devious and false representation. 
Under my rights of the FCRA I demand you immediately take off all negatives regarding my reporting to credit agencies, all of them. You can readily see the gross conduct in mishandling payments and reporting by the inclusions. 
1 ) Letter to XXXX on XX/XX/XXXX 2 ) Follow up letter to that letter on XX/XX/XXXX 3 ) Credit report XX/XX/XXXX 4 ) Credit report XX/XX/XXXX 5 ) Credit report XX/XX/XXXX You can readily see that at one time XXXX reported me never late to XXXX on XX/XX/XXXX. Yet in same month XXXX to Equifax and XXXX I was late on XX/XX/XXXX and XX/XX/XXXX for 30 days. After I sent in complaint letters and many credit reports later it is indeed off for that XX/XX/XXXX and XX/XX/XXXX mentioned above, and miraculously now it indicates I was late XX/XX/XXXX and XX/XX/XXXX instead.
Between XXXX and XX/XX/XXXX, and after I filed a CFPB complaint against Nationstar Mortgage, they allow me to submit a Second Loan Modification based on my hardship financial situation. I have submitted all the documents that they requested uploading them through its website. I contacted several times Nationstar Mortgage to get a resolution. On XX/XX/XXXX I spoke with a representative and he told me that the modification was denied without any explanation and I request a denial letter that they said they will email me and send on regular mail. Shortly after I received a letter dated XX/XX/XXXX ( attached ) stated that they are waiting for third party to complete the evaluation. I called again on XX/XX/XXXX and XXXX told me that they denied the loan modification and has sent the letter that I request again to have sent by email, XXXX told me that she was sending as an attachment on email. I have never received the denial letter. Instead I have received a letter notice that per agreement modification they will increase the interest rate per the schedule. Please see the attached letter. 
First at all Nationstar does not care about customer service, their phone system does not allow to speak with loan modification department. Nationstar does not care about clients that want to keep their home. They only care about increase interest rate and consequently their profits. I really doubt that they have a Loan Modification Department and or Underwriters that analyze documentation for loan modification applications.