WillisBack/dataset-financial-user-claim huggingface dataset:
I enrolled in a bi-weekly auto payment program service provided by the mortgage company that services my mortgage, Ditech. The first withdrawal was to begin on Thursday, XXXX XXXX, 2016. Ditech began withdrawing payments one week early on Thursday, XXXX XXXX, 2016. This caused a serious financial problems for me as I live on a very tight budget. I had already committed that money that Ditech withdrew a week earlier than promised to other creditors. This resulted in bounced checks and serious financial hardship for my family. 
I contacted Ditech on Friday, XXXX XXXX, 2016 to inform them of their error. I was promised that the money would be returned to my account in 3-5 business days. The Ditech associate could not explain why the Auto-Pay error had occurred, but had promised me that the money would be returned immediately. 
On Friday, XXXX XXXX, 2016-five business days later- Ditech had still not refunded my money. I immediately contacted Ditech only to be told that paper work had not been submitted on XXXX XXXX as promised, but was submitted on Monday, XXXX XXXX and that my money would be in my bank account by Monday, XXXX XXXX. Ditech did NOT deposit my funds. 
I called Ditech on Tuesday, XXXX XXXX for an update on the status of my refund. I was told that paper work was submitted and that I would have to be patient. I explained to Ditech associate that I have been patient for XXXX days and that their mistake has caused me serious financial hardship. I was told that " there is nothing that can be done you need to wait for your money and that everyone makes mistakes. 
It has now been two weeks since Ditech has taken my money, promised me a resolution within 5 business days and refuses to offer an excuse or my refund.
XXXX/XXXX XXXX is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. And they will not remove this account from my profile. I have asked them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with me.
Release of Deed of Trust for Beneficial Mortgage Co Colorado Record Date XXXX/XXXX/XXXX Document Type Deed of Trust XXXX XXXX, Colorado XXXX XXXX Request for Release of Deed Of Trust. 
This Deed of Trust has not been released per my conversation with XXXX at XXXX XXXX Colorado XXXX and Recorder XXXX XXXX, XXXX. 

A phone call placed to Customer Resolution Department at HSBC Beneficial Representative XXXX was responded to with how did you get this number which I explained from a letter when I attempted to explain the problem she informed me they had addressed the issue of my previous complaint. 

I also sent a letter and a copy of the XXXX XXXX XXXX Verified Report by Certified Return Receipt have received the Receipt it has been received in their office and still I have no resolution to the Release of Deed of Trust for " Recorded Deed of Trust : Reception No : XXXX.
Equifax failed to take appropriate measures to safeguard the data of 143 million accounts, putting my identity at risk.
I have had a personal loan with Avant, LLC since XX/XX/XXXX. In the past, Avant was responsive to questions, requests, etc. In order to gain additional control over payment dates, I asked to be unenrolled from automatic payments, since this could not be done within Avant 's web interface. On XX/XX/XXXX, I notified Avant, LLC that I was revoking ACH authorization effective immediately and received a automatically generated message notifying me that I had opted out of automatic payments. On XX/XX/XXXX, however, Avant, LLC automatically processed my loan payment. I did not schedule this payment. In other words, the revocation of ACH authorization was not respected. I notified Avant of this on XX/XX/XXXX and did not receive a response of any sort until XX/XX/XXXX, which was to notify me that my inquiry had been escalated to the appropriate department. Later on XX/XX/XXXX, I received a message stating that Avant was not able to " ... substantiate your claim that you did not authorize the payment processed on XX/XX/XXXX. '' I continued to pursue the matter since I know with complete certainty that I did not schedule or authorize this payment. Eventually, Avant did  offer to reimburse me for this payment which would, at this point, make my account late ( additional fees, etc. ). On XX/XX/XXXX, I received a message thanking me for my feedback and assuring me that they " treat all customer feedback as a learning experience. '' While possibly unintentional, Avant violated 12 CFR Part 1005 ( Regulation E ). As a consumer, I have the right to revoke ACH authorization and for that revocation to be respected. Avant, LLC did not do this and did not provide reasonable remediation within an acceptable time frame. Thank you in advance for your assistance with this matter.
I travel to XXXX with my American Express thinking that this card will not charge me with additional fees. To my surprise when I saw my statement AMEX was changing me 2.7 % for every transaction that I made in XXXX. I have used this card in the past with no trouble before and I was never informed of this new fee.
XXXX from XXXX called my place of employment around XXXX eastern standard time about a debt. He asked to verify myself and I did. In the mist of him talking I let him know that I can not receive personal phone calls unless it 's an emergency and to call my cell phone. He began to yell at me and tell me I have been ignoring him and he has called my cell phone. Due to his tone I hung up the phone. At XXXX he called my cell phone, he asked to verify my information again which I did to proceed with the call. He explained the reason for the call, and asked me what happened? I asked him for his name 6 six times and he again began to raise his voice and told me I would n't let him speak, if I could be quiet for two seconds so he can give me his name. He gave me his name and tell me the reason for the call. He wanted to settle the payment owed to Ace Cash Express. I asked him the company sent me letter to my home address, and again he began to raise his tone because he could not answer my question. He then yelled at me and told me he is terminating my case because I 'm willing to pay. I called back and asked to file a compliant against him. I spoke with XXXX and he stated he will review the call and handle the situation.
I have previously submitted complaints against Ocwen Loan Servicing. My most recent complaint was XXXX, submitted last month. As interest has continued to mount as a result of their poor customer service, I was notified that my payment last month was being held in suspension. When I requested a new copy of the application for loan modification from a representative -who, AGAIN, was not my assigned relationship manager- the document was initially sent to an incorrect E-mail address, causing further delays. When I approached my attorney about the issues I 've had with Ocwen, I was told that I most certainly had valid complaints against the company, however, a lawsuit would cost time and money. Instead, I was advised that Chapter XXXX Bankruptcy would protect my house and allow me to begin paying back the past due amount on the mortgage, which is what I have been trying to do all along, but kept facing roadblocks from Ocwen. 

These past couple of years dealing with Ocwen have been extremely disheartening and stressful. While filing for Bankruptcy is embarrassing, it has at least provided me with some peace. Why should I have been forced to go this route? Why has n't Ocwen, despite their apologies, been held accountable?
While banking with US Bank Corp I was charged several fees. I followed all bank policies to avoid these fees. A letter for all 5 deposits was given to the bank prior to place a hold on the deposit until the funds were available, just 1 day later. Instead of placing the hold the deposits were processed and I was charged several fees to add to a total of {$360.00}. My account was closed for an overdraft amount of {$250.00}. I feel that I folllowed all necessary procedures to insure that these fees were avoided and would like the {$250.00} credited back to my account. I understand the account will still be closed but this will leave a {$0.00} balance. After talking with my attorney, he feels that this is a reasonable request. I'am prepared to file small claim paperwork if necessary. At that time I will request {$1800.00} for fees associated with the filing all of the paperwork.
We originally had an FHA loan obtained in XX/XX/XXXX serviced by XXXX XXXX XXXX with a payment that we made the first of every month without fail. We were contacted in XX/XX/XXXX to refinance for a lower interest rate by First Guaranty. In XX/XX/XXXX of this year we were notified that our mortgage payment would increase by roughly {$370.00} per month due to an escrow shortage. As it turns out, we were never instructed to pay the refunded insurance payment back into escrow at closing with First Guaranty. Additionally, our principal payment increased from {$240.00} per month to {$280.00} per month after the refinance. <P/>We have paid {$600.00} back into our escrow and now our payment is roughly {$250.00} more per month. First Guaranty used misleading and deceptive practices, and as result we have A HIGHER PRINCIPAL BALANCE, A HIGHER MONTHLY PAYMENT FOR 12 MONTHS, AND MINIMAL SAVINGS THEREAFTER. This refinance was actually punishment for paying our mortgage on time.
My mother was critically ill. She signed powers of attorney to me, her oldest daughter, to manage her money and pay bills. I went to Capitol One Bank and they refused to honor the XXXX of Attorney at all! Fortunately, she had me as a signature on her main account so I was able to gain control of that money. XXXX weeks later she was deceased. My brother, sister and I went to Capitol One to close her accounts and divide the money XXXX ways as were her wishes. I was able to get the money on the main account as above. We were able to get her other checking account closed. However, she had a XXXX there. Capitol One refused to break the XXXX and divide it. They would only allow my sister who was listed on that XXXX to retain ownership in her name alone. Other banks were all able to break the XXXX and divide the money for each of us. Capitol One said the judgement of possession did not give us the right to obtain the XXXX money before maturity! How is this legal?
I initiated 3 written disputes between XXXX XXXX and XXXX XXXX with Transunion requesting verification of XXXX XXXX XXXX, XXXX, and XXXX XXXX Dealer services accounts that show on my credit report. These unverified items still remain on my credit report in violation of Federal Law. Transunion responded to each of my disputes saying the information was verified/updated, but failed to remove them or to send me copies of the documents that used to verify these accounts as per my request. The fact that Transunion has ignored my request to send me copies of the documents used to verify the disputed accounts is evidence that they did not properly verify any of the disputed accounts. Transunion has not produced any document with my dated signature or authorization. Yet they willingly continue to report unverified information despite the Fair Credit Reporting Act laws in place prohibiting this unethical practice. I request that these items be removed immediately.
On XX/XX/2017 CitiBank ( CBNA ) reported hard inquiries to my credit report. I have never applied for credit at Citi. I have contacted the creditor and have had no success on removing inquiries
Unable to get my credit reports from any of the credit companies they refuse to provide me my free annual credit report and they claim I have n't provide proper identification, which is a lie.
I have been disputing this debt for a while now. I have provided proof over and over again that this debt was paid to the original creditor. The collection agency keeps going back on reporting this between XXXX and XXXX. Every time I dispute it they state it is paid, change the balance to {$0.00} and the debit to paid. Then I check my XXXX account the next month and the same debt is back as unpaid on the other credit report. 

I am not sure what my option are at this point, but this I NEED HELP getting this fix. It cost me the ability to refinance my car to a lower interest rate and it cost me a percentage point when buying my house. Do I have to hire an attorney to get this fix? PLEASE HELP!!!!!!
I have been contacted multiple times via Phone and email during work hours after instructing many times to not call me during business hours. I have been contacted from XXXX through XXXX by this company who has no regard when people are working. I no longer have the car, have advised more than once that the car has been traded in, only to be harassed via email and constant calls through out the day by this horrible business.
Recently returned from service overseas and applied for a Chase credit card. Was told that I was not approved because I had XXXX credit card applications within 2 years ( I did n't have a credit card until I joined the XXXX 3 years ago ). If they have a rule, their application should clearly state that there is a rule before I applied for their card and had an inquiry and denial on my credit account.
A Door to Door salesman came to our house via a new cable company we had heard of in our City. They made an offer for our Cable and Internet Service that would save us over {$100.00} per month. We went ahead with this plan and called our former cable company, XXXX XXXX, and they said to return all of their equipment to cancel our service with them. We did so on XX/XX/XXXX and we asked them if we owed anything on our account and were told they did not know but they would contact us if we did. We never received an e-mail nor any billing in the mail from them so we assumed we did not owe anything and forgot about it all. 

Then in the last week of XXXX we received a letter not from XXXX  XXXX but from a Debt Collection company, Credit Management LP, stating we owed {$160.00} to XXXX  XXXX. From this, we knew this would affect my husband 's credit report and we had never received a previous billing via mail or our e-mail prior to receiving the letter from the Debt Collection Company. 

Our son immediately got on the phone and called XXXX XXXX and asked them why this amount owed was sent to a collection agency when a ) we had never received a bill prior to this notice and b ) that the account was sent to a third party collection company in less than 2 months of our cancelling our service. 

The representative on the phone stated they had mailed two billings but we never received them and had been actively looking for any notification about an amount still owed. If we had known that this amount was due soon after we closed our account, we would have reviewed it and taken care of it but now it has been sent to collections and we both want to ensure this is not reflective on my husband 's credit report prior to our paying it and want to know why we were never notified of this debt before it was sent to a Third Party Collection. 

My son has suggested that this is in retaliation for our canceling our service and I am unsure if this is the reason but what I do know is if we had owed anything, then we should have received a billing in the mail and/or been contacted by XXXX XXXX before it was sent to collection and we also want to inquire as to why it was sent to collection in less than 60 days of our closing our account.
I have been contacted by several companies regarding a XXXX XXXX account from several years ago. The first time I was contacted by the collection agency ( XXXX XXXX XXXX ) I paid the balance and received a paid in full letter. Over the past few years I have been contact by approximately XXXX-XXXX other agencies regarding the same debt. Each time I tell them it has already been paid and either email or fax the paid in full letter, only after being threatened and degraded in an attempt to collect. Most recently I was contacted by Miller Stark Klien and Associates by a woman named XXXX about the same debt. I immediately told her it had been taken care of for over two years and she asked me to email her the letter showing it had been paid with another agency. I emailed it within minutes and asked for a confirmation of receipt which I did not receive. My husband was contacted about it a few days later.
I have been trying for at least 12 years to enroll in online account access to my savings account with Navy Federal Credit Union. I have called on many occasions day after day month after month year after year and been told because I filed bankruptcy I have lost my privileges to access my account online. This bankruptcy happened over 12 years ago it is not even in my credit anymore but some how Navy Federal Credit Union has my account flagged to never allow me to have online account access. I never heard of being punished for life for a bankruptcy that happened many years ago.
XXXX which is a branch of XXXX took over this debt in 2006 and because XXXX was not able to collect on the debt has now contacted Central Credit Services LLC to collect the debt that is too old to be on my credit file and was due to be taken off last year. Central Credit Services LLC is now contacting me to collect on the debt because XXXX has contacting them to get another collection agency on my report and to attempt to keep the debt alive. These unfair tactics and practices are in violation of law and want them both removed from my credit report and want the harassing mail to stop.
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
Hello Waypoint Resource Group has filed 2 Derogatory marks on my credit. I've attempted to call on 5 separate occasions. The do not answer calls. I've contacted XXXX and XXXX about the mark filed and they've been less than helpful at removing the marks Opened XX/XX/2018. 

Today I just saw they filed another mark. XXXX XX/XX/2018 The say it is for XXXX XXXX   which i assume is cable. I've had XXXX  for 5 years and do not have XXXX cable. 
I've also never received a bill, notification, or even an attempt to collect debt. 

This has caused personal damage to my credit and bank standings. Please HELP XXXX XXXX
I called American Express to inquire on how I could get a gift card to give to my son to use on his XXXX trip. He was leaving the next afternoon. I was told to go to any number of retailers and purchase a " serve '' card. I went to the bank and got {$300.00} cash and purchased the card for XXXX. plus a service fee. Later that evening I was told by American Express that the card could not be used internationally until I got my permanent card in seven to ten days. I would not have spent money and gone to the time and trouble to get the card if I had been told the right information at first. 
Then I was told to register the temporary card and I could set up a pin and get my money form a aM machine. That also did not work. Today, 7 days later I received my permanent card. I called in to activate it. Next I was asked how I was going to put money on it. I inquired about the XXXX XXXX that I had already given them. I was told that I must not have entered the temporary card information and that my XXXX was still floating around in American Express 's pocket and I had no way to get to it STILL. I asked for a supervisor and got a condesending person named XXXX in the XXXX. He would not listen to anything I was saying and told me it was all my fault. Now he had me re-register the temporary card in MY WIFE '' S name and set up another pin. I told him I had done all thisin my own name when I first ordered the permanent card. He told me I did not. All he did was argue with me and talk over me. I then asked for his supervisor and he refused to let me speak to one. His name was XXXX and that was all he would tell me. If finally told him what I thought of his condescending attitude. Results are in. I have wasted a lot of time and tied up XXXX XXXX dollars, my son left on his trip without the money I had promised him, I am out the fee for the card and whatever the atm charge might be even if I am lucky enough that this scheme of putting it in my wifes name works to retrieve what is left on my {$300.00}. All the while American Express had had my money, charged me a fee for a worthless card that was sold to me on false pretenses. I have an XXXX, own XXXX and am very astute with computers. If this is what happened to me, imagine what would happen to a less experienced consumer. I highly suggest that you look into this American Express " Serve card Scheme. I await your response
XXXX per my credit report does not show that my American Express Card is CLOSED. Need them to update the status.
Well known how idiotic and clumsy XXXX  is!!! Now these derelicts are fraudulently reporting garbage that is criminally negligent and malignant!!! I have NO new accounts anywhere!! Nobody has the authority to self-create there own sloppy collections at my expense!!! ALL this negative garbage already in my credit reports. This is tortuous XXXX  trying to scam my credit report with duplicated garbage!!! PLUS, XXXX  criminal incompetence has not cleaned up there blundering XXXX. I don't care how many generic collections agencies anyone hires to harass me. They are not allowed to fraudulently sefl-create a new XXXX  account duplicates what is already existing. I told you people twice now, these clowns at XXXX and now defunct XXXX  have malignantly created a new phony collections ( same ) debt already reported 3 years ago. These vile derelicts at XXXX XXXX have NOT contacted me, instead lied cheated and manipulated an old debt. Imbeciles at these mis-managed credit bureaus
Hi, I was working with Navient on my private student loans. net over documentation several times to them uploading through their portal and sending via email ( at least 5 times ). Each time, they claim non receipt. All while this is going, they told me that my account is being place in forbearance and there would not be a payment as they are reviewing the documents and setting up my payment plan. I kept calling only to get wither your paperwork was not received again or it is with the VP for review during his monthly review of accounts, however, have no worries as they will accept the payment arrangements we have established. Long of short, I called after my credit report showed 90 days late. Today it is showing 120 days delayed. This is inaccurate as I have paid monthly payments.
Some is using my indenty, and I never applied for most account on my credit report, and went to business have them removed!