WillisBack/dataset-financial-user-claim huggingface dataset:
With only 11 days prior to my next mortgage payment due date on XXXX XXXX, I receive a letter from HSBC, stating that my mortgage will no longer be serviced by " HSBC '' but will now be serviced by XXXX XXXX XXXX. Concerns listed below : 1 ) The letter warns that the mortgage loan number will change but it does not provide the new mortgage number. 

2 ) The letter also instructs me to make a payment via mail to XXXX XXXX XXXX by XXXX XXXX. 

3 ) The letter states that I should update my bill payment payee but my bank requires an account number and no account number is provided. 

4 ) Since a loan number is not provided how will the moneys be credited to my mortgage if I do mail in a payment to XXXX XXXX? 

5 ) The letter states that HSBC will not accept payments and if any are received they will be forwarded to XXXX through XXXX 2016. How and where will I see that the moneys have been credited in a timely fashion? 

6 ) When exactly will the new mortgage loan number be issued? 

7 ) Recently I received an escrow analyses from HSBC asking me for additional moneys to cover a shortage in my escrow account. This particular letter lists an option for paying the difference in XXXX lump sum or by having it spread over the 12 months of payments which is my preferred option. Why does my current statement bill me for an extra {$540.00} and refers to this amount of {$3000.00} as the " regular monthly payment ''? ACCORDING TO THE ESCROW ANALYSES THE REGULAR MONTHLY PAYMENT IS {$2500.00}. 

8 ) Lastly, I 'd like a current amortized statement inclusive of all payments sent to HSBC since the mortgage service changed hands to XXXX and indicating how many outstanding payments remain. 

Given the poor ratings XXXX receives on all consumer websites I am very concerned about this change. The number one complaint is that payments are not accepted because XXXX does not recognize the account numbers. 

What are my options and why is this change taking place without sufficient notice? Eleven days for a change of this magnitude is not sufficient time. Frankly the suddenness of this whole change is rather predatory. 

I requested from HSBC to revise the regular monthly payment to what was shown on the escrow analyses in the amount of {$2500.00} rather than the {$3000.00} shown on the XXXX XXXX statement which is incorrect. 

I spoke an HSBC representative who assured me the payments would be adjusted but I have not received a new statement to reflect this and I also have not received the letter from Nationstar informing me of the new account number.
A short sale request has been placed with US Bank - and they have not made a response in over 30 days
We mediated with Select Portfolio Servicing , Inc. in XXXX XXXX to allow us an opportunity to sell the property through a short sale prior to foreclosing. On XXXX XXXX, XXXX we received an offer of {$50000.00} cash. SPS had a broker price opinion done and said the property was valued at {$64000.00}. We disagreed with this price and they suggested we go out and pay for a third party certified appraisal. We did and that appraisal came back at {$52000.00} on XXXX XXXX, XXXX. SPS then told us we needed to update the contract with the new price, get a new proof of funds and produce a new HUD statement. All of which we did. They denied the new offer stating it was still too low in mid XXXX. In XXXX, the Realtor got the same buyer to go up to {$57000.00}, {$5000.00} above an appraised value of {$52000.00}. SPS requested that we get an updated proof of funds and a new HUD statement, which we did. SPS sent out for another Broker price opinion. After we went through this appraisal process for the third time, SPS sent me a letter stating that two and a half weeks would not be enough time to consider this new offer. I contacted SPS multiple times asking them to postpone the sale for 30 days to give us time to complete the short sale and they have refused. I truly feel that SPS purposely strung us along making us think we had a chance at a short sale, making us jump through many hoops with no intention of allowing for a short sale.
On XX/XX/17, I used PayPal to pay for tickets to playoff game totalling {$400.00}. I paid for the tickets but never received them. I tried to call PayPal with 15 minutes of making the payment but there was a 1.5 hour customer service wait so I opted for the call back. 1.5 hours later I received a call and spent 2 hours and talked with 3 different people ( 1 customer service, 1 something else, and 1 fraud department ). I was told by a representative of PayPal to call my bank and stop payment which was successful. I was also told by PayPal that  if they did n't receive funds from my bank that they would look to seller/receiver of the funds to return the $ and not me. I was told it would n't impact my account and there would be no penalty or fine on my account. Subsequently, my account was put to credit and collections so all the information provided to me by a representative of PayPal proved to be incorrect.
A spreadsheet provided as validation is not validation, this is an error I do not owe, remove this mistake
I have been enrolled in an auto pay plan wit h Navient for th e past 2 years. I have made each payment on time and some months early. I called due to my financial situation changing ( we have a  XXXX  and my husband lost his job ). I am now the sole income for a household  of 3. I inqu ired on a hardship or reducing my payment amount so that I can make ends meet at home. I advised them I want to continue to pay and remain in good standing but I 'm not able to do so at this payment amount. I was bluntly informed there were no other payment options available and my payment was not going to be reduced because it is a private loan. I attended  XXXX   XXXX  when I obtained these loans through  Sallie Mae
The consumer has a XXXX XXXX XXXX XXXX XXXX XXXX and is trying to have their escrow payments and withholding adjusted accordingly. 

The lender has been unwilling to work with the consumer to resolve the issue. 

XX/XX/2018 : XXXX XXXX XXXX XXXX XXXX XXXX date. 

XX/XX/2018 : The Property Appraiser was emailed the award letter and confirmed receipt via phone. 

XX/XX/2018 : The consumer contacted Loan Depot via phone and was informed that all required actions had been taken by the consumer to ensure an accurate real property bill. The XXXX letter was initially provided to Loan Depot at this time. 

XX/XX/2018 : The consumer contacted Loan Depot via phone to ensure a proper real property bill. 

The consumer emailed the XXXX  XXXX XXXX XXXX letter again because they were informed at this time that the letter was never initially received. The consumer confirmed receipt with Loan Depot via phone. 

XX/XX/2018 : The consumer received a letter stating they required a copy of the tax bill. Loan Depot asked that the real property tax bill be faxed to XXXX, which it was. 

XX/XX/2018 : The consumer called Loan Depot to confirm receipt of the faxed real property tax bill as the lender requested. Fax confirmations were retained. 

When the consumer contacted Loan Depot the employee who only identified himself as, XXXX XXXX informed the consumer the fax was never received and the consumer needed to correct the discrepancy with the county. 

The consumer told the Loan Depot employee that the county officials had informed the consumer differently. The consumer tried to explain the letter received from Loan Depot to the employee but the employee was dismissive and uninterested in his companys correspondence. 

When the consumer asked when the over withholding of escrow overage funds would be returned, the employee stated that they would not be. 

At this time the consumer asked to speak with a supervisor. The employee became hostile and began to verbally assault the consumer. 

The employee refused the consumers request to speak to a supervisor and then hung up on the consumer. 

Enclosed please find the XXXX  XXXX award letter and copies of the emails sent to the property appraiser and Loan Depot. 

The consumer has NEVER been late in paying any of his mortgages.
This is a Title Loan for my vehicle that I have a title for. I have the receipts of payments and the amount financed is not moving downward. I have never been late and paying more than the minimum amount due. I believe this title loan is a big rip-off. I just need another opinion.
I have disputed this before with the agencies, most recently a year ago, got a letter " creditor said information was accurate '', totally impossible. Years ago I got a call from BOA, so I asked proof of debt/payment. I searched my bank for the dates they gave me on the phone and more recently on my credit report, couldnt find any payments for those dates, let alone month within 7 years, I never got confirmation from them. I 've lived in the same house for 9 years, and have bank records computerized, going back 11 years and just to be safe searched quicken as well as the electronic statements finding no payments so it needs to be removed, and taken off XXXX / XXXX, I want to make it clear I 've had XXXX for 10+ years so the payment would be there, I even tried to match payment dates and nothing,. I feel they are re-dating, in fact XXXX / XXXX show different payment dates to keep it within the 7 year mark to keep it listed. 
Either way this is past statute and needs to be removed from the credit agencies.
My licence and bank card were swollen. I notified my bank. The XXXX charge is not from me. I have never used that company. This is listed on all XXXX credit reports. 
Also all XXXX have listed XXXX hospital bills from XXXX XXXX hospital, that XXXX, was paid through a settlement and XXXX, is in direct violation of HIPPA privacy act. These need to be removed immediately.
The three credit bureaus are reporting seven credit cards in negative status. The negative status is because of charge off. I made agreements with my credit cards to settle the accounts for a lower price and this agreement was turned into an attack to destroy my credit. The biggest issue : this negative reporting is posted in the year XX/XX/XXXX. This is a LIE!!! I was in the hospital in the year XX/XX/XXXX and lived in a shelter in the year XX/XX/XXXX. I never had any credit cards open during this time. These credit bureaus know that they are attacking people. These credit bureaus know that they are falsifying credit information. These credit bureaus know that LIEING that my credit cards became delinquent in the year XX/XX/XXXXwill prevent me from future applications of credit. The credit bureaus reported seven credit cards delinquent in the year XX/XX/XXXX. Why wait so long to report my credit cards. I never had the cards open during this time and all delinquent cards paid in full by XX/XX/XXXX. These bureaus waited until XX/XX/XXXX to report the credit cards. THIS IS EVIDENCE OF AN ATTACK!
I went to cash in an original Certificate of Deposit from Premier/Chase bank which was issued in XX/XX/XXXX. I have received XXXX on the certificate through XXXX and none thereafter. I noticed that on XX/XX/XXXX XXXX, a zero was left off of the certificate number. Chase is claiming they have no record of my certificate and therefore are not responsible for returning my earnings even though I have the original and the back was never signed. It has been confirmed through unclaimed property that the funds were never turned over to the state, therefore Chase still holds my funds. The executive Dept. of Chase bank is claiming they are not required to keep my investment records past 7 years so I just lose my money even though the certificate states automatically renewable and has no expiration date. I am assuming my money is drawing interest all these years as this is the verbage directly on the document. I have been a customer with Chase for over 30 years and have always lived in the State of Louisiana. Contacting me was never an issue. My parents currently live at the address listed on the document. I have attached a detailed timeline along with scans of the certificate, which I hold the original, and XXXX forms. As you can notice on the timeline, this has been a very lengthy process, and I have exhausted every avenue possible with Chase in order to retrieve my investment funds. Chase is claiming that the funds were abandoned since there was no activity however the funds were never turned over to unclaimed property. I am certain that purchasing an investment cd is specifically designed not to be touched in order to achieve maximum benefits which is the reason there was no activity and it clearly states " automatically renewable ''. If indeed Chase did decide these funds were abandoned, what are the guidelines they must follow to turn the funds over as unclaimed and how many years are they required to keep records? Is Chase not responsible for giving me information as to what they have done with my funds I entrusted to them as an investment? Are they allowed to " lose '' someone 's money and not be held accountable?
My credit card is issued by USAA ... I also have it linked to my checking account for overdraft protection.. .. 

MY MISTAKE .. {$1900.00} taken out on XX/XX/XXXX .... I immediately paid the monies back to the bank very next day XXXX I also made sure to make my required payment. AND made sure there were no new charges or overdrafts ... 

I have 0 % balance on monies already on the card. Each month afterwards they have been applying about 40 % of any ADDITIONAL payments I make to the 18.6 % credit balance and NOT the entire extra payments. This has lead me to be charged interest each subsequent month. I have called in about this several times to no avail. 

I do NOT make extra charges against the account. NOT getting more overdrafts and my extra payments are several $ 100s of dollars In fact XXXX extra payment totaled {$900.00} and XXXX payment total {$2000.00}. I called USAA XXXX months in a row. Asked them if they understood The Credit Card Accountability, Responsibility and Disclosure Act of 2009 and that my extra payments are supposed to go towards the highest payment amount. Was told that only a portion has to go towards highest interest as long as I had a balance on the card .. even though that balance is 0 %. They are aware am not making any new charges! 

I gave them a chance to correct the problem and was told that they will continue to split my EXTRA monthly payments as they see fit. Requesting this stop and ALL interest be refunded back to me. Have been instructed by the USAA Agent that my account has been noted.
Navient did not send me a warning that my IBR plan was expiring and did not send me a bill when my payment was due. When I tried calling it said they were " temporarily closed '' and did not say when they would re open.
Experian states " we will not reinvestigate the dispute again '' Negative inaccurate false items Which is against the rules and regulations of the Fair credit reporting act
Hello my name is XXXX XXXX XXXX XXXX I contact you because and my credit report show wrong information personal because I star building my credit whit my Number of identification Regulary is confused whit information my father name is XXXX XXXX XXXX the confused is because I 'm used regularly XXXX XXXX name whit see at confused used at XXXX the wrong is and the birthday show at my father date and something information for inquiry is some for my dad and show me information wrong
On X/X/2017 I have submitted a complaint ( Case number : XXXX ) to CFPB about XXXX XXXX XXXX for false reporting student loan issues on my Trans Union credit report ( I am the cosigner of XXXX XXXX the daughter and responsible for the account ). XXXX has been hit with many lawsuits and it continues so. 

However I then proceeded to ask Trans Union to remove the negative items, which they did at one point, but after that it continued to report the negative items : credit report TU file number XXXX. 

I therefore ask the CFPB to get involved and ask TU to remove those items since it hurts my rating!! 

It has been an ongoing dispute with TU and they refuse to correct the inaccurate items on my report. 

Sincerely XXXX XXXX
Good day! 
XX/XX/XXXX/XX/XX/XXXX, I called Barclays Aviator Card to cancel my credit card to avoid the annual fee. The operator offered a retention package, which involved earning XXXX XXXX XXXX points after spending {$2500.00} for 6 consecutive months. I signed up for it. After meeting the spend of {$2500.00} for 6 months ( XX/XX/XXXX-XX/XX/XXXX, to be sure to get the bonus, I even spent {$2500.00} XX/XX/XXXX ), I patiently waited for my bonus to post. In around XX/XX/XXXX, I called to inquire and operators had repeatedly told me to wait for the points to be credited. XX/XX/XXXX, I knew something was amiss when my points have not showed up in my account. I called again with operators dismissing my concerns and promising that the points will ultimately come through. After calling about 4-5 times, I had finally reached my threshold and requested to have my issue escalated. I spoke with a manager who vowed to review my case. I received a letter a few days afterwards informing me that I was not eligible for the bonus because I did not sign up for it. I was exceedingly disappointed because this was not the truth so I called again, this time requesting for all my previous calls and conversations to be reviewed. I am not sure if they reviewed the conversations but they responded again that I did not sign up for the offer. I felt that this was an extremely dishonest and fraudulent practice for this bank to lure me back into signing up for another year, with the promise of bonus miles and subsequently denying their offer. I called again and finally reached a sympathetic manager who listened to my complains. I conveyed that it defies logic for any customer to try to spend over {$2500.00} every single month for 6 months in a card that was initially about to be closed down. The bank ended up giving me XXXX as a consolation, instead of XXXX that they initially promised. After a few days, I was reading a blog that indicated the same exact circumstance has been happening to other consumers. Barclays has been offering this promotion to sustain customers but unable to stay true with their word. I initially did not want to complain but I think CFPB needs to be made aware of this unethical and unscrupulous behavior of this bank. I also would still want the other half of my missing XXXX bonus. Thank you so much for listening to my concerns.
PNC Bank fraudulently and through racial discrimination gave me a mortgage loan that was higher in interest than what was charged to a similarly situated white male. I was charged excessively for an 80/20 loan. They still continue to harass with calls.
Coast Professional, Inc : This letter is being sent to you in response to a notice sent to me on ( XXXX/XXXX/XXXX ) Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX XXXX XXXX ) This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, Your Name
Around XXXX XXXX, I received in the mail XXXX tickets for going through a red light. I contacted XXXX XXXX XXXX XXXX Ticket Agency and was told because of XXXX ( XX/XX/XXXX-XX/XX/XXXX ) the red light cameras were defective and the tickets were dismissed. 
Recently, I checked my credit report using XXXX XXXX and I see Alliance One Receivables has placed XXXX collection accounts on my XXXX credit report on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. The Alliance One Receivables collection accounts do not appear on my XXXX report. My XXXX credit score is XXXX and my XXXX credit score is XXXX.
After reviewing my credit report I noticed there were XXXX XXXX XXXX on my account not mine. The XXXX XXXX I used over 5 years or more ago was different from what's being reported on my current report. 

I asked the account specialist to remove them because, first they are incorrect. Second, I only had one and my report is showing 2 erroneous XXXX XXXX XXXX. Third, the box is not mine any longer it belongs to someone else. Fourth, the XXXX XXXX is outdated information that should be deleted and I asked her to remove the incorrect and outdated XXXX XXXX . 

She flatly refused and arrogantly said she chose to keep it on because of my past history of having used a XXXX XXXX . 

My past shows I lived lived at other residences over 3 years but they are not my residences currently. What that has to do with reporting correct up to date information and not what someone feel like reporting. Very inappropriate behavior for an employee responding to the public.
On XXXX XXXX, 2015, I contacted Capital One regarding my secured credit card account. At that time I spoke with a representative regarding payment arrangements due to my unemployment status. The representative stated that if I made a payment in the amount of {$15.00} it would prevent the security deposit from being applied to my account and the account closed. Furthermore, the representative stated I should make payments in the amount of {$25.00} to bring my account balance in order. On XXXX XXXX, 2015, I checked my account and noticed that my security deposit was applied to my account on XXXX XXXX, 2015. I immediately contacted Capital One and spoke with a supervisor who stated Capital One would not reopen my account and the information provided to me on XXXX XXXX, 2015, was incorrect. I found this response to be unsatisfactory as Capital One should honor the information provided to me on XXXX XXXX, 2015.