WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, I called TD Bank to find out the process of applying for a new mortgage. The representative, XXXX XXXX, answered and asked me if I was willing to be enrolled in their new voice recognition program ( TD Voice Print ). I told him no and then he asked me why I did n't want to be enrolled. I explained why I was very against enrolling in a program matching my voice to gain access to my account. He went on to explain their process for applying for mortgages. I thought that was the end of it, until I got a letter in the mail on XXXX XXXX thanking me for enrolling in the TD Voice Print program. I called TD Bank to complain about their erroneously enrolling me in this program against my permission. Although they say that have spoken with XXXX XXXX and conducted retraining, I want there to be a record of the behavior. To go against a customer 's request and actively add their name to a program that could give access to sensitive information should be illegal and/or should come with steeper consequence than a retraining.
I am filing a complaint against TD Bank. I mailed my mortgage payment to my mortgage holder for the XX/XX/2018 mortgage payment for the amount of {$490.00}. The check was made to XXXX XXXX. On XX/XX/XXXX XXXX XXXX contacted me to ask me why I did not send the payment for XXXX, I told that it was sent had had been deposited at my bank, since I saw on my statement that it had been deposited. I then uploaded the check from my computer and noticed that the front of the check had been altered and that XXXX   had been added in parenthesis next to his name and that the signature at the back was not XXXX XXXX name but that someone else had signed the check. 
I then went to the TD Bank on the same day and filed an affidavit of fraud and gave them the number of the police report I made. The paperwork was notarized at the bank and my husband and I was told that the money would be refunded in the next four days. 
Since then I have contacted them multiple times, I have been told that the affidavit had been sent to XXXX XXXX XXXX and that they can not be contacted by phone, then I was told that my case had not been assigned to anyone. They called me today and had me sign another affidavit telling me that they need to send it to New Jersey and restart the process. They are refusing to pay back for their mistake. 
Attached is all the paperwork that I have signed and provided them with. 

Sincerely, XXXX XXXX
I am receiving letters from Wells Fargo Home Mortgage saying that I owe all these fees. 
I have never been late on a payment, I pay the mortgage at the bank and get a receipt each time so I know that they have received all the payments. The property is a rental condo and they have never called me to have an inspection. The outside of the condo is maintained by the Homeowner 's Association so I do not know why I was charged for inspections of the condo when I am not even responsible for the maintenance of the condo building. There are also multiple attorney fees on their statement and I do not know why they needed an attorney and why I am being charged attorney fees. 
Years ago I spoke with someone at the local branch of Wells Fargo and I thought this was resolved and they said I did not owe anything but I keep getting bills from them. 
There have been class action lawsuits about this very same thing so it seems that they are charging a lot of other people fees that they do not owe. Please do something about this as I should not have to start another class action lawsuit to stop them from charging fees that are not necessary and have nothing to do with my loan. 
I am attaching the letter with the breakdown of the fees that they sent to me and also a copy of a letter I received about a class action lawsuit but I did not do anything about it at that time because I did not know that they would be charging me all these fees. 
These big banks received money from the taxpayers and the government so why do they need to collect more money when it is n't even necessary to do these inspections and they do not need all of these attorneys either, especially when someone pays their mortgage every month. This has to end. They are getting away with charging fees to lots of people and it adds up to a lot of money as many people just pay it to stop the harassment but it is wrong so please do something to stop the abuse of power Thank you.
I had a house in XXXX OR. I paid the mortgage loan monthly. I traveled to XXXX in XXXX 2010. When I returned home in XXXX OR in XXXX 2010, surprisingly, I found that my house was sold by my XXXX loaner Key Bank. At that time, I had n't receive any notice of foreclosure of my house. It was wrong to take away my own home without my permission. I have been complaining to various departments many times.
This is the same debt that was just corrected by the previous collection called XXXX and now they have given it to the following XXXX XXXX XX/XX/2016 {$210.00} {$210.00} XXXX XXXX, IA XXXX ( XXXX ) XXXX here is the response for the previous collections as I have made it clear it is not my debt can you please helpme because they have greatly affected my credit score from XXXX to XXXX and that is XXXX XX/XX/2016 Re : XXXX Case # XXXX Our File # XXXX To whom it may concern, We are in receipt of your consumer complaint submitted in regards to a XXXX file # XXXX. Our Compliance and Quality Development Departments have completed an audit and investigation on this file. 
We received file # XXXX for account # XXXX from XXXX on XX/XX/2016. A copy of your complaint was forwarded to our client for review in XX/XX/2016, but we have not received a response so therefore have closed our files on this matter. Also, we have removed this item from your credit file. 
We apologize for any inconvenience this may have caused for XXXX. Should you have any further questions or concerns regarding this matter please feel free to contact us. Our hours of operation are Monday through Thursday XXXX - XXXX and Friday XXXX - XXXX EST. 
Sincerely, XXXX. 
Compliance Department XXXX
I currently owe on XXXX separate student loans totaling over {$100000.00} dollars. I would like to pay XXXX loan off at a time, so that more money can go to the principal. I think I would have more success actually paying them off. This is not available. I 'm told I must pay on all my loans simultaneously contributing about {$20.00} to the principal monthly and the rest goes to interest. This XXXX, my payments will increase to {$700.00} a month. I will have no choice but to defer my payments because I am also told they can not be any lower according to the payment plan. Eventually, my payments will grow {$1100.00} a month! I need help with a monthly payment that is affordable. I ca n't be in deferment forever, while the loans continue to collect interest.
I sent Navient, a total of 11 checks, in ( 1 ) envelope ( the same ) payable to Navient, totaling {$34000.00}, via USPS, Express Mail, on XX/XX/2018, to payoff my Student Loans. 
{$460.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Each check has my name, dollar amount, and account number written. 
Navient, only posted 1 check for the amount of {$240.00} to my Student Loan Account, on Monday, XX/XX/2018. 
My account is now showing past due amounts, and Ive been unsuccessful with telephone conversations with Navient customer service representatives. 
Im totally frustrated.
Have to keep complaining, Bayview never responds back or mail any letters about modification. Finally received copy of loan documents, said need XXXX XXXX on modification paperwork even though, XXXX XXXX has power of attorney for mortgage, stated didnt want assumpiton loan, faxed in all paperwork XXXX-XXXX-2018 with both our information, no one calls no one sent letter saying missing paperwork like other companies and there is a process for customer BILL OF RIGHTS! Always have to complain to get any results from Bayview, number to call says XXXX and XXXX reps never answer goes to voice mail says hit OPTION to speak to rep going to voice mail always ask to leave a message, left a message XXXX-XXXX-18 and  still no call back! Bayview doesnt follow the procedures for California laws! Rep gave me fax of XXXX and XXXX where does paperwork go? Want modification done have complied with everything and have proof of many faxes! AND USED MY LOAN NUMBER DIDNT SHOW UP IN AUTOMATED SYSTEM!
I have had a XXXX XXXX XXXX Now Navient XXXX loan since XX/XX/XXXX that I have been trying to work with the lender to pay off. I have called XXXX XXXX numerous times to inform them that I needed modified options to pay XXXX which they did XXXX ) or different programs offered in order to find a way to pay my student loan. I have explained many times that due to my husband being military and I not working ( yet seeking employment ) we did not make enough to cover costs of living. My mother is the co-signer on the loan, but refuses to help in any way possible. I am trying to manage the loan and have argued for rehab options on a now defaulted loan in which no one will help. They want the full sum. While I understand to terms and conditions, I am trying my best with what I have and offering to give only what I can. I have been in school since XX/XX/XXXX trying to obtain a degree in fields where I know I can find work. My husband left XXXX to be with his family because he was being XXXX constantly. We ended up taking a huge pay cut which in turn made our finances even harder and drained our accounts trying to keep our finances at bay. We are living pay check to pay check trying to keep on our feet. I finally have obtained a job after moving back to our home state and are currently living with relatives because we can not afford to even rent. The pay is n't good, but it 's a start. My husband is currently starting a new job which should help with the finances as well. The military service does n't offer help in our situation as we have looked. My husband did apply for his XXXX benefits, but that is taking too long and the money that was supposed to help us is not even being sent to us as of yet due to the time taken to process the paper work. We are financially stuck and our only option at this point is to file bankruptcy.
OnXX/XX/XXXX @ XXXX XXXX and XX/XX/XXXX @ XXXX XXXX This company called XXXX XXXX called me to tell me I own XXXX  XXXX XXXX XXXX money back in XX/XX/XXXX. They told me they were a collections company and said that they needed me to resolve this matter today or else. 
I ask for there name and they said it was XXXX XXXX ( it did n't sound legit ). I them ask for there business license # for that it was placed on supposedly on hold. This gal came on the phone yelling and telling me that I was going to have to pay, and they did n't want to give there business license to me. I had to look it up myself! 
That became a screaming match. I informed her that this was already resolved and I had proof of it! I told her to give me her fax # so I could send her the proof to which she said that I had to send it e-mail to her. No way was she going to get my email address so if she did n't want to give me the fax # that was not my problem. 
Here is the phone number that I blocked ( XXXX ) XXXX I hope you get these scammers! 
Thank you for checking this out. 
Respectfully XXXX XXXX
I received my bill on XX/XX/XXXX. I went to pay it the same day and I noticed the due date was XX/XX/XXXX.  The postmark on the envelope is XX/XX/XXXX and is labeled with " XXXX. '' I called customer service and explained the problem to XXXX who said she would remove the late fee, it was their error. She also stated within a week I would receive a letter at my home stating that it was their error, that the late fee was removed and they had contacted the 3 credit bureaus rectifying the slow pay. The bill was for {$70.00} that was due on the XX/XX/XXXX. I was told that in total I owed {$280.00} but the difference would be on the next bill. I paid the entire amount of the bill through XXXX on XX/XX/XXXX and it said it would be delivered on XX/XX/XXXX. 

I called Kohls again on XX/XX/XXXX at XXXX because I had not received the letter, nor heard anything from them. This time I spoke with XXXX. He stated that the late fee had not been removed, hence it would have been reported to the credit agencies. He stated that he " can reverse '' the late fee so it would not affect my credit rating ( which is over XXXX ), and that would " reset the credit bureaus. '' He again assured me that this was done while we were on the phone. 

I called back at XXXX XXXX on XX/XX/XXXX and asked to speak to the manager of collection debt. They told me the manager was unavailable, that I could speak with a supervisor. I refused this as I had already spoken with supervisors. I told XXXX that if I did not hear from the collections manager that I would be contacting CFPB. She stated all she could do was send a message. I have not heard from them as of yet.
The city of XXXX, Ohio has now sent a collection amount to debt collection attorneys Weltman , Weinberg & Reis XXXX XXXX XXXX XXXX XXXX for a debt proven through bankruptcy lawyers that I do not owe. I lived in the city of XXXX from XX/XX/XXXX-XX/XX/XXXX in which they are stating I owe taxes for XX/XX/XXXX-XX/XX/XXXX in which those years I resided in XXXX, Ohio. The attorney office at the time which was XX/XX/XXXX sent proof of address to the city of XXXX to verify I only resided there for one year. I was evicted out of the place I resided at in XXXX and move back to XXXX. The city of XXXX prove my residence by sending statements to all XXXX addresses. So not only did the attorneys supply proof but also the city of XXXX.
I sent sent in validation for a so called account that is being collected on that I found on my credit reports. 
1 ) There is no company by the name they are claiming they bought this from on any credit bureau.

2 ) They sent a copy of a single statement that is almost 4 years old. This does not justify validation!!!

3 ) The address on the statment is not even correct.
( 1 ) The quick and dirty is my house was foreclosed on in XXXX. In XXXX Wells Fargo entered a settlement agreement with the State of MD because they improperly foreclosed on thousands of MD residents. I received a check from that settlement. Fast forward to XXXX XXXX, I get notice that I am being sued for the same property and that I owe XXXX to XXXX XXXX, who bought the rights from Wells Fargo. XXXX XXXX got a default judgment in XXXX XXXX. I appealed and got the judgment vacated in XXXX, in part, because I was still on XXXX when served and needed time to determine why I was being sued. I explained to the Plaintiff 's attorney that the suit did n't make sense. If anything, I should be suing Wells Fargo for the improper foreclosure but I just wanted to move on. The hearing is scheduled for XXXX this year, in XXXX XXXX, Maryland. 
I do n't know what my rights are, but I find it problematic that the company that admits that they improperly foreclosed on homeowners and paid me a settlement for wrongfully doing that can now try to sue me for the difference or transfer that right to another in a transaction that was likely improper. It defeats the purpose admitting you are wrong by paying {$2000.00} and saying you are sorry and than asking for that money back plus another {$140000.00}.
The credit agency that has been trying to collect from me for over 6 years has stated that the debt was reported on a more current date which is a lie.
I graduated from my university and XXXX in the military in XXXX. I should have the 6 % interest rate on my student loan according to the Servicemembers Civil Relief Act ( SCRA ). ACS Education Services has my interest at 6.8 % and told me that they need a copy of my orders to verify that I am in the military. I emailed them a copy of my XXXX XXXX XXXX in XX/XX/XXXX ( showing my XXXX as XXXX XXXX ) as well as my XXXX ( XXXX XXXX, XXXX XXXX ) showing that I will be in the military until XXXX. They rejected both of these documents for " title and authority '' because they wanted the rank and branch spelled out. However, every military document has the rank or branch abbreviated. I asked what specific DA/DD form they accept and they keep saying " military orders. '' I 've given them several different military documents and orders that show my full name, SSN, and service dates yet they keep getting rejected. It is illegal for them to reject official DOD documents and forms. I believe this is their way of scamming the system to prevent service members from getting the lower interest rate. My 6.8 % interest rate needs to be corrected to 6 %, back-dated to XXXX XXXX, and the entire loan amount owed should be corrected based on the 6 % interest instead of the 6.8 % applied over the last six years. They have been overcharging me for the past six years and I should get the amount paid on the 0.8 % refunded.
Was contacted numerous times last week sometimes back to back from unknown number. When i ask who they were was advise they got my number from my previous supervisor XXXX XXXX they continued to call so i decided to answer. Spoke with a rep name XXXX we entered a payment arrangement even though i told her i was unable to make payments because i am in the active foreclosure process for my home. She was persistent and i wanted to stop the calls so i agreed to the terms but i spoke with my housing counselor and was advise until i reach a agreement with a loan modification i could not add any extra bills so i called today on XX/XX/18 to cancel my agreement with Atlantic credit and finance incorporated where i was verbally abused and she hung up on me because i asked to cancel my payment arrangement i ask for a supervisor and he was not much help either restating that they can not help me in the future i explained over and over i would have to cross that bridge once i am able to pay and they still threatened me.
Somehow Equifax keeps adding addresses to my credit file that do not belong to me and have never belonged to me. When I dispute them online, I 'm charged to having to jumpt through hoops to remove their errorneous information by doing the following : Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX This address does not belong to me. 
Next Steps Please note your Dispute Confirmation Number printed at the top of this page. It will be required to check the status of your dispute. 

In order to process your request to change your personal identification information, please send us a copy of the following documents. HOW DOES SENDING A COPY OF MY DL, SS Card and a utility bill PROVE THAT I DID N'T LIVE AT THESE XXXX PLACES? I DISPUTED XXXX BUT ONLY XXXX WENT THROUGH. THEY RANDOMLY ADDED THESE INCORRECT ADDRESSED TO MY CREDIT FILE THEREFORE THEY SHOULD BE THE ONES TO CORRECT THEM, NOT ME!!! I ORDERED MY SISTER SOME MAGAZINES XXXX TIME ONLINE THRU XXXX AND HAD THEM MAILED TO HER AT HER SONS HOUSE WHICH I HAD NEVER EVEN BEEN TO. WHEN I CHECKED MY CREDIT REPORT LATER, THAT ADDRESS WAS ON MY FILE AS XXXX OF MY ADDRESSES! THIS IS WRONG AND IS A DEVIANT PRACTICE AND IS SHOULD NOT BE ALLOWED TO CONTINUE!! 

1. Valid Driver 's License 2. Social Security card or XXXX form 3. Utility Bill Please print this page and fax or mail it with the required proof documents indicated above within 24 hours. 
Please ensure that your XXXX-digit Confirmation Number is included with any documents you submit to us.
I lost my job and could not pay my credit card debt. I was going to file bankruptcy when my wife went out on XXXX. I did not think at my age I would find another decent paying job. I did get another job but this delay payments for 6 months when I called the credit card company they wo n't allow me to pay it. They keep having us call back and we 've done this for a week. We decided against bankruptcy since I 'm working again and have almost all our creditors paid off but this XXXX. We are not avoiding payment we want to pay them but they told us no and wo n't take a payment for what we owe and stated if we mailed them a check they would not cash it and would be sent back. Were so confused and frustrated we just want to pay off the debt and start building our credit again. We know that each day that goes by were impacted by late fee 's and interest and were frantic to pay it off ... please help us.
I have a home mortgage with XXXX XXXX bank, and our monthly premium was raised to {$4300.00} instead of {$3900.00} in XXXX XXXX. I was negotiating with my home insurance company and attempting to remove the escrow acct with XXXX XXXX so we can pay our taxes separately. 
We processed autopayment in amt of XXXX on time, and we also have been paying our monthly payments for 1 month in advance, so our account has XXXX $ in excess, which XXXX XXXX did not apply to the deficit of around XXXX XXXX All this happened within 30 days, and they reported me to credit bureau and it shows acct delinquent in the amount of {$300000.00}, and XXXX XXXX refuses to remove it. Our account with them is clear and in fact, we have a credit with them in amt of XXXX $ which they failed to apply to deficit.when we called them on several occasions, they are rude, and lie to us, they refuse to remove the false report on my credit. I have contatced their board of directors also, and therefore I want you to publish everywhere and have them correct this information with the credit bureau.
There's a credit card account on my credit report which was for a business, not individual, that has also since been settled and closed back in XX/XX/2014 ( XXXX XXXX XXXX ). This has not been removed off my credit report despite multiple requests.
My parents home ( they are deceased ) has been empty and awaiting resolve for 3 years this net month. The loan has been sold from XXXX to XXXX, XXXX and now Rushmore. I am unable to get resolve in any way. The home was held in a trust, and therefore, we are not liable, however, as they hold it in limbo, I continue to receive bills for taxes and hoa dues. As well as late mortgage statements. I have tried to sell, modify and keep the home. To no evail because of their incompetency. They changed the locks over a year ago.
Thanks to CFPB I was able to secure a HAMP agreement with Nationstar last month and have successfully initiated payments under this agreement. However, I have repeated received certified notices, emails and messages that my mortgage is default and my home may foreclosed on. I do not trust Nationstar primarily because their systems do not appear to accurately reflect the status of my HAMP agreement. I have gotten repeated calls to contact Nationstar about the status of my mortgage which appears to be in direct contradiction of my HAMP agreement. I have pointed this out to Nationstar and they have proceeded to send me foreclosure threats event though the terms of my HAMP agreement do not permit the firm from foreclosing on my home while I go through the trial period. Nationstar has verbally told me that as long as I pay the mortgage within the month it is due there will be no penalty but I get different stories from different people and do not feel as though I have been told the complete truth about how the HAMP agreement works nor have I received explanatory documentation that details my HAMP agreement. I am concerned that Nationstar is attempting to foreclose because I have significant equity in the home and have not yet sold my house which is on the market. I would like more assurance from Nationstar, in writing, and clear documentation of the terms and agreements in the HAMP trial period.
Chase bank has been advised on 2 occasions not to approve and pay for debit and credit cards transactions when there are not enough funds to cover the transactions. Their explanations is that recurring card payments are somehow different and that these types of charges can not be stopped from processing. A recurring charge of XXXX was processed through my account causing overdraft and extended overdraft fees on XX/XX/2018. I have not been able to resolve this issue with Chase as  they are committed to their policies.