WillisBack/dataset-financial-user-claim huggingface dataset:
I was under the impression my mortgagor would draft my bank account twice per month (24 payment per year) rather than every two weeks (26 payments per year). In XX/XX/XXXX, they drafted my account on XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, and XX/XX/XXXX $XXXX. The last draft, just 8 days after the middle draft, put my bank account into an overdrawn position. I fear that Round Point will now draft two additional payments during the month of XX/XX/XXXX.I believe RoundPoint Mortgage has violated financial and consumer protection laws. I have notified them I am filing a complaint with the Consumer Financial Protection Bureau to this effect.
The law firm Hunt Leibert Jacobson PC ( HL ) and it attorneys are using the superior court of XXXX to bring fraud upon the court through a foreclosure to execute theft of real property. The Maker of the Note and Mortgage is deceased. The firm named as the defendants the beneficiaries who are not on the documents of the complaint, and have only an inchoate interest in the property. XXXX statute 802b requires all claims on real property to be filed in writing with the fiduciary of the probate court. HL nor the plaintiff have filed a claim with probate. XXXX statute asserts all property is under the jurisdiction of the probate court, Federal Statute does not allow a man to have to pay a dead man 's debt. HL has a motion of default for failure to plead, and a motion for strict foreclosure to deceive the defendant who appeared into believing, and thus consenting that he must pay the dead man debt. The defendant has filed notice into the court that he is not the owner, and can not be responsible for this debt. HL is using procedure to deceive the defendant into the loss of the property. Rescission was mailed pursuant to TILA. XXXX v XXXX XXXX XXXX XXXX XXXX settled that rescission, right or wrong, voids the mortgage and the note, and the lender/creditor must perform bring a non foreclosure lawsuit to prove their claim against the maker of the mortgage and note. HL and the plaintiff did not file a claim against the rescission Instead they used the prima facie documents in a foreclosure suit, after rescission, with the knowledge the note and mortgage are void by operation of law. The foreclosure suit was filed in the name of a plaintiff that had ceased doing business, rather than the name of the correct entity
Clarity Services AKA XXXX. Has been posting fraudulent inquiries on my XXXX  consumer report. I have not ever applied for any payday loan, nor allowed you to inquire my XXXX report. You have over 30 inquiries on my XXXX  report these are damaging my XXXX score. I am a victim of fraud. I did not grant you access to my reports, and I want your inquiries to be blocked / deleted from my XXXX  report. XXXX  states you verify these but you are verifying addresses I have never lived at. XXXX  has blocked these. Clarity services refuses to put any security freezes on my reports, and refuses to delete their inquiries that I did not authorize.
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
I was sent a collection notice on a bill that I paid already. Hospital has no record of sending to collections.
My name is XXXX XXXX. I have been a loyal customer of American Express from a long time. Recently I came across with an incident. I tried hard but nobody in the organization would listen or reply in writing. 
I got a refereed E-Mail ( American Express ) to apply for a XXXX XXXX Credit Card.I have pasted the referral process and the bonus as outlined in the next paragraph. 

As a reminder, here is how the referral process works : Each friend will receive an email, with a special offer for the Card you referred. Your friend may not receive this email if they have previously " opted out '' of receiving email marketing communication from American Express. 




Your friend must apply for the Card through the link in the email and be approved in order for you to earn your Referral Bonus. 




Please allow XXXX8 weeks for your Referral Bonus to post to your account after each referred friend is approved for the Card. 




Due to the confidential nature of the credit approval process, you will not be notified whether we approve or decline any application ( s ) from individual ( s ) you refer. 




The Card you refer must be active in order for you to receive your Referral Bonus. 




If your friend is not approved for or already has the Card you referred, no bonus will be awarded. 

Welcome bonus Earn 60,000 Bonus Miles with the XXXX Credit Card and XXXX Qualification Miles XXXX after spending {$2000.00} in purchases on your new Card in your first 3 months, and a {$100.00} Statement Credit after you make a XXXX purchase on your new Card within your first 3 months. 
Special Offer Expires on XXXX I applied for the Card and got the Card. I also met all the requirements. Now American Express refused to honour their part and did not give the required bonus. I had another American Express. In the E-Mail I DID NOT FIND ANYWHERE IT SAYS THAT I CAN NOT HAVE ANOTHER AMERICAN EXPRESS CARD OR I AM NOT ELIGIBLE FOR BONUS IF I HAVE AN AMERICAN EXPRESS CARD.IF IT IS HIDDEN SOMEWHERE THAN AMERICAN EXPRESS IN NOT TRANSPARENT. 
Also the employees at the customer service are rude and unprofessional They will not investigate the issue and reply. They just say it is a XXXX issue.If it is a XXXX issue than it is clear.I hope your fine organization will investigate and implement changes if required. Thanks.
I had a Home Equity loan serviced by Clear Spring Loan Services. I filed a complaint with the Alabama Dept of Banking because the Loan Servicing company was not accurately applying my payments to the loan nor accurately accounting for my funds. I also filed a complaint with the Consumer Financial Protection Bureau and was assigned case number XXXX in XXXX, 2014. I was advised that the Servicing Company, Clear Spring Loan Services had responded to my complaint ; but I never received the response. 
I have had XXXX several times and was restricted by physicians from pursuing this matter until now due to the health issues that were being caused by XXXX from this matter. 
As a result of my complaints, Clear Spring Loan Services transferred my mortgage to another company without refunding any of my funds that were never applied to my loan.
google wallet has cancled my account with {$140.00} us dollars and will not get back to me about a refund this is borderline stealing. I cant get in contact with anyone about getting a refund and no one will respond in emails. this is my money and i need it now. the customer support is terrible and they can not provide any info on getting my money back to me im very displeased with how ive been handled. this needs to be addressed so customers can get their money back in a timely manner ... not a month or XXXX just to get a refund thats way to long to handle an issue. ive called more than XXXX times and no one can help me!!!!!!!!!!
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX.
I recently filed a complaint with the CFPB ( Case number : XXXX ), alleging that Chase Bank failed to stop a fraudulent withdrawal of {$2200.00} ( see attached document ). In that complaint, I noted that Chase failed to block a fraudulent withdrawal from my account. In the response below, Chase contends that there is only " a timeframe of 24 hours to attempt any recover of funds. '' They also contend that my claim was n't filed until XXXX XXXX. Please see attached phone record that shows on XXXX/XXXX/16 at XXXX, I placed a 15 minute call to customer support ( XXXX ). I have asked Chase for the details of this call and they informed me that they do not save phone records for longer than 30 days. On this call, I notified Chase that there was fraudulent activity on my account and I wanted the payment stopped. 
" If a business has a contractual agreement with a merchant and they present an ACH payment to your account, we only have a timeframe of 24 hours to attempt any recovery of the funds. When you filed your claim on XXXX XXXX for the payments, we were already passed our allotted timeframe. Based on this information and that you have had previous business with the merchant, your claim was denied and that decision remains the same. ''
I did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested XXXX XXXX XXXX failed to provide me with competent evidence that I have any legal obligation to pay you for over two years ( first reported XX/XX/XXXX ), and have failed to do so. XXXX and Transunion continue to report invalidated information on my credit report. which might constitute fraud under both Federal and State Laws. Which they both return notices the  debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXX of last year XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants XXXX XXXX XXXX XXXX XXXX the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i recvied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, but for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 30 days
I was charged {$100.00} in overdraft fees even though I put money into the account. I asked for {$35.00} to be refunded and that was refused.
CRA violation no knowledge of the fraudulent accounts on my Experian Credit report. FTC ID theft report # XXXX
Innovative Recovery has opened a false collection action from XX/XX/2015 in the amount of {$2100.00}, this debit is erroneously on my credit report and does not belong to me.
I took out 2nd mortgage on home since the home was a foreclosed home for repairs for property the house was used as collateral. The foreclosure took place XX/XX/XXXX, I attempted rent and sell property but the property was foreclosed with first lien holder XXXX. However, prior to foreclosure both mortgage companies were communicating and the last I heard Navy Federal Credit union was offer a settlement. The house was foreclosed and I did n't hear. Over 5 years had past and I attempted apply for a mortgage loan in XX/XX/XXXX. I was told in XX/XX/XXXX Navy federal Credit union reported a current Past due balance of a loan of {$28000.00} on credit report. I called a few times and left voicemail messages asking for a call back. I finally went in-person to corporate office on XX/XX/XXXX XXXX, VA. I ask to speak with a manager in the mortgage Dept. I was told I could n't speak without a appointment. I refused to leave and finally a representative got someone in mortgage on the phone they stated they were in charge credit reporting I told them the property was foreclosed and they were reporting a current Past due balance for mortgage that I no longer have property. They stated, no way they were reporting that information. I left my foreclosed documents as proof the property was foreclosed. I was told to fax over credit report that shows the inaccurate reporting information. I asked if a manager could call me once complete. 2 weeks passed and I did n't receive a phone call, I called finally got a hold XXXX XXXX in charge of collections he ask if I would like pay the account I informed him the property was foreclosed in XX/XX/XXXX what happen I was told they did n't accept the offer. Hey was very rude, I told him I was a XXXX XXXX Veteran and to check all Credit I held in the past. I have paid off all accounts I credit cards, car loans, business loans with Navy federal and this account was foreclosed property where property was used as collateral I was told that does n't matter. On XX/XX/XXXX I heard from representative that stated she was XXXX XXXX a manager and she was responding to a complaint from the Better Business Bureau and she stated the behavior of the Collection account manager will be address and I will receive a letter in few days and the situation will be take care of she fully apologize again. After not receiving any correspondence or calls I reached out her today XX/XX/XXXX and finally spoke with her today and she seem sort of confused about sending a letter and what the letter was to address. She stated, she would have transfer me back the collection manager and stated they did nothing wrong. I am confused and meantime my credit is suffering for something that happened in my past. Does n't the credit history with Navy federal make a difference? Does n't being a Navy Federal Veteran make difference?
Vehicle was repossessed on XX/XX/2018. I called Bridgecrest ( XXXX XXXX ) to see what amount I could pay to retrieve the vehicle. I was told that I had 2 weeks to pay this amount. When i went to get the vehicle, it had already been sold. I was told it was sold at an auction but i was never notified that the vehicle was going to auction. I also never received a notice of the amount that the vehicle sold for.
After graduating from XXXX in 2005, I accumulated around {$20000.00} in student loans. 13 years later and making payments for years and years on time my balance is now {$15000.00}!!!

How can that be?

Right after graduating I was struggling to pay the entire monthly payment and they automatically directed me to forbearance. I wonder if thats the reason.

Navient website right now is set in such a way that it still directs people to programs that lowers monthly payments. I want to pay more to get rid of this evil loan that never seems to disappear.

Since I graduated I paid off 3 cars!!! So why is this loan not going away??
The bank is still putting the large amount first. My funds were not low when I had a deposit came in which the money should not been charge but taken from my account. I told XXXX XXXX that I wanted my money back. The case number is XXXX. If I had not money in there to cover it, it would have been alright then. My money was in there the night it was pending so there should not have been an overdraft and this is how they get their money. I do n't agree with the bank response. I want my {$72.00} back and told XXXX XXXX that and she said that she would get back with me but never did.
As part of maintaining a card with Chase, I was to receive a Certificate for a Category 1-5 hotel room with XXXX. I was issued this Certificate on XX/XX/2018 or XX/XX/2018 and was good for one year. This was not honored by Chase or XXXX. There was a recent merger of XXXX and XXXX properties. During this conversion, the Certificates were deemed to be capped at XXXX points or a Category 4 equivalent. I have spoken to both XXXX and Chase about this inaccurate disclosure and none have resolved this matter.
As part of our regular monthly payment, we have included additional money towards principal pay down. From XXXX to XXXX, besides our normal monthly payment, we have sent {$150.00} specified towards additional principal. However, in the Bank of America statement, the {$150.00} does n't get applied toward principal, instead it gets categorized under " unapplied funds '', then used to reduce our monthly payment. If this is the case, then Bank of America is not applying the {$150.00} towards our principal pay down. We are not aware of any loan terms that say we ca n't make payments towards principal pay down.
I got a loan from santander consumers usa for 72 months. I have made a late payment. When it was time to make a payment i dont see the late fee along with my current payment. They set kept my principle aside and make me make the payment more on the interest then the priniciple. I was told that i have 5 months to go but pay off is more then 5 months of payment. I have never experienced like this before. I wanted to trade my car but I cant due to the screwed up car loan.
On  XXXX   XXXX ,    2017, an  online transfer in the amount of {$2900.00} was made from my CHASE checking business account to an account under the email of  XXXX  XXXX  XXXX  and name  XXXX   XXXX , DO NOT RECOGNIZE neither. I learned about this issue on  XXXX   XXXX ,    2017,   when I proceeded to pay my rent and found out about this particular online transfer I never authorized nor knew about.  <P/> I immediately called  CHASE CLAIMS  DEPARTMENT, claim #  XXXX . In addition, I filed a Police Report at the City Of  XXXX  Police Department, Incident #  XXXX . The Bank credited my account for {$2900.00}. On  XXXX   XXXX ,    2017 the y reversed the credit for the {$2900.00} from my account, stating they were not able to corroborate any fraudulent activity. Since then, I have repeatedly been trying to reopen the claim, only resulting in a negative response on behalf of the institution.
A collection agency put information on my credit report for a bill that I had for a XXXX cell phone XX/XX/XXXX. This was included in my bankruptcy back that I filed XX/XX/XXXX and it clearly lists XXXX and another collection agency that was trying to collect the debt at the time. This has brought my credit score down by XXXX points for old information. I have attached all of the information that is needed for review but if anything else is needed pleae let me know as I am in the process of trying to rebuild my credit. I am also considering taking the collection agency to small claims court as researching this was time consuming and cause credit to be declined.
I bought a below market rate home last XXXX XXXX XXXX ). At that time my mortgage payment was set at {$2300.00} a month. In XXXX XXXX, my mortgage company ( Dovenmuehle ) raised my monthly payment to {$2900.00}. The extra {$590.00} was to make sure I had enough $ $ in escrow to cover my property taxes. After some checking on my part, i found that my property was assessed at it 's market value not what I purchased it for. The difference was {$30000.00} plus. I spoke with my mortgage company and the XXXX tax assessor and my property was reassessed 4 months ago. I 've sent my mortgage company the required documents ... twice. The last time I sent the documents, I sent them registered mail with a signature required. This was on XXXX XXXX, and as of today XXXX XXXX XXXX, I have not heard from them and they are not willing to lower my mortgage payment. In fact when I asked what would happen to the extra {$590.00} a month I was putting into escrow ... would I be reimbursed or what? The person I spoke with had no idea what would happen AND no idea when I might be able to resolve this issue. 
HELP!!
was a money order for {$800.00}. I had to send another payment ... So I paid {$1600.00} instead of {$800.00}. 

Green tree often takes XXXX months to apply payments to account and lies about balances due. I currently am current, all payments made and they claim I owe {$2600.00}. 

The commit fraud on a daily basis. They misapply payments, fraudulently state that payments are paid later than they are. They try to charge late fees that are not due or are far higher than the agree late fee amount. 

GT has caused my homeowners insurance and tax payments to lapse. 

They do not obey the CEASE and DESIST order that was sent to them multiple times. Each offense carries a {$1000.00} penalty. 

They falsify statement and loan balance. 
This company GT has contacted my neighbors illegally when they know my location and even if my account is not past 30 days.
Hello, i am the victim of identity theft. Several debit card accounts were opened in my name, from XXXX and Suntrust. i have never applied for accounts to those banks, I live in the midwest, those banks are elsewhere. I have contacted both companies, there are now fraud alerts on my name. My question is how could this happen, I believe there needs to be much better security questions on the front end, before cards are issued and accounts opened. PLEASE do something about this, my life is being impacted in a very negative way.
In XXXX, XXXX I had a credit card balance with Bank of America ( " BoA '' ) of {$1300.00}. I paid the balance in full with a representative over the phone. Please see attachment XXXX When I told the representative I wanted to pay the balance in full, I was not warned that I would incur interest or other charges from BoA again at a later date -- I assumed that paying the balance in full meant that the balance was being paid in full and I did not use the card again after that. Unfortunately, in XXXX, XXXX BoA charged me interest on that the prior balance -- I have since learned that it was incurred before it was paid over the phone but had not yet been charged to me at the time I paid the account in full. Because I thought I had paid the card in full in XXXX, XXXX it never occurred to me to log into my BoA credit card account and check for an existing balance on the card again. The interest charged was a very small amount of {$5.00}. Because I was not contacted again by BoA to be made aware of that interest, I was not aware of the balance and it went unpaid until XXXX, XXXX when BoA charged it off and set my account balance to {$0.00}. Please see attachment " B ''. 

Attachment B shows that since XXXX XXXX -- for almost two full years -- my account with BoA has had a balance of zero dollars. Despite this, I have recently learned that for the last ( nearly ) two years, BoA has been reporting my account as negative and " failure to pay ''. In the 21 months since BoA charged off the account, the account has continued to reflect a balance of zero every single month. For those 21 months, I never received any statements or other correspondence from BoA to alert me that the company has been damaging my credit by reporting each and every month that I have not paid on the account but that is indeed what has been happening. Please see Attachment " C ''. 

The account was closed in XXXX. The entire ( albeit, small ) balance was charged off in XXXX, XXXX. The statement from XXXX, XXXX reflects {$0.00} due. From XXXX, XXXX through today, XXXX, XXXX, BoA had been reporting the account unpaid to each credit bureau. BoA 's actions are unfair, abusive, and in conflict with the Fair Credit Reporting Act. Accordingly, I respectfully request that BoA contact each of the credit bureaus to which it has been negatively and incorrectly reporting my account as unpaid and that BoA promptly erase the negative and erroneous reports from the last 21 months. I further request that BoA send me written correspondence confirming that said actions have been taken. Thank you.