WillisBack/dataset-financial-user-claim huggingface dataset:
Applied and took out a mortgage ( MOVEMENT MORTGAGE ) on XX/XX/XXXX/17 for $ XXXX. From the get go I told the mortgage broker it was my intent to pay the mortgage weekly or biweekly as that 's how we get paid and we want to get this thing paid off as quickly as possible, including adding some extra for principal when we could ... ... He said, " yes, we do that, but you have to wait til you get your first statement, as they have a " high turnover rate = selling the mortgage '' ... Now, fast forward to near closing : the mortgage broker ( XXXX XXXX ) was annoyed constantly by my questions like : asking for more details about what different fees were and requesting explanations etc. We probably had 15 versions of the Closing Docs, as I was reading them and questioning everything.. he basically said in a text to me.. " Well I found out you are pretty relentless in fight every person in the process, so now I need to call a whole bunch of people to try to get you written proof on how mortgages work and why you need to escrow '' ... Escrow was NOT the only questions I had and isi n't it his job as my mortgage broker to assist and educate me on the process? ( We did not have a real estate agent ). So on the last CD at the Settlement table there was a tax fee of {$420.00} to cover " unpaid '' taxes - however, our taxes were already paid for that period by the seller ( and proven ), yet they were still charged to the seller ( which my husband was XXXX seller ) and also the purchaser. They should not have even been charged to anyone ( Seller/buyer ). Was told by the title company representative for the Mortgage Broker ( at settlement table ) that they were told in advance by XXXX XXXX if there were any changes on the CD, that they would negate our approval and cancel our purchase. Ok, so we are out {$460.00}. because, whats XXXX to the grand scheme of XXXX and the entire loan process all over again??? Now, I get my 1st payment slip, call Movement to et up weekly or biweekly payments, and I am told they do NOT allow weekly or biweekly payment and do not have anything in place to do that. Basically ensuring the term of the loan and the amount of interest they collect. I would never ever recommend Movement Mortgage or their broker XXXX XXXX, whom I fully entrusted as he was a previous work colleague ( he rented office space ). After closing, I did not receive a thank you / congrats call, text or email from XXXX XXXX, but I am sure he will be enjoying the commission earned from that loan. I will be filing a lawsuit and complaint to the Federal Government, State Government Agencies, Better Business Bureau and any other agencies that I can get the word out too ....
I was in the military CA XXXX XXXX. I had a XXXX XXXX and fell behind on my payments. On XXXX, XXXX XXXX XXXX closed my account. I started to get monthly  deductions on my my XXXX XXXX ( XXXX ). I have the XXXX that show the deduction made on my pay.It shows the balance owed to XXXX XXXX going down every month. On my XXXX XXXX XXXX it shows the balance owed to the XXXX XXXX at zero. On XXXX XXXX XXXX collections agency sent me a letter saying that I had a balance of XXXX owed on my XXXX XXXX  and they were collecting it. I informed them it was paid off and had my pay stubs ( XXXX XXXX to show it. I contacted XXXX XXXX and informed them of situation. I requested copies of my credit card statements from XXXX XXXX to XXXX XXXX. They informed me they could not do that and to deal with the collections company. The collection company informed me that only XXXX XXXX could provide that information to contact them. On XXXX XXXX XXXX XXXX took my wife 's and my XXXX tax return. I just want copies of those statements so i can show credit card company that the debt was paid off my matching them with my XXXX XXXX statement deductions. If it turns out after making the comparison between my XXXX 's and the credit card statements that I do owe some debt, I will do my best to address that. I tried to talk to them and they do n't want to work with me. Also the same response from the collection company XXXX XXXX. Can you please help me?
Dear Financial Consumer Protection Bureau Representative, I am writing to inform you of a compliant about my checking account that I would like your organization to investigate with BBVA Compass. On XX/XX/2016, I was charged two overdrafts for a XXXX dollar debit for a XXXX charge, and for a XXXX dollar debit for another XXXX charge. 
When you look at the 2nd picture that I have attached with this complaint, my balance before the XXXX dollar charge was XXXX on XX/XX/2016. And, my balance the before the XXXX dollar charge was XXXX. So, clearly, by looking at the 2nd image, I did not have insufficient funds for those two items, but, yet, the bank charged me two overdraft fees. Please see image 1. 
Every other transaction after the XXXX dollar transaction was a debit card transaction, which should have stopped when my account reached a zero balance because I opted out of debit card authorizations, when there would be no money on my account. Yet, the bank allowed me, by mistake, to go over and then charged me two overdraft fees on those items mentioned above.
looked at my credit report found XXXX XXXX XXXX XXXX XXXX XXXX. I never have had a card or banked with them. No letter has been sent nor inquire has been made to see if this debt is actually mine. There is no information on this account as well such as account number ect.
My  Auto n ote is {$350.00} a month with the payments being divided between my  XXXX  paychecks and rendered before or on the  XXXX  of each month. Supposedly in  XXXX   2014 , the second half of my payment was {$10.00} short and my account has been notated as 30 days late on my credit bureaus ever since. My payment is due on the  XXXX  but they tell me that they need to post it on the  XXXX . Makes no since. Either the  XXXX  ( according to my paperwork ) is the due date or it is n't.
I receive XXXX from Social Security for XXXX. SSA assigned me to the XXXX Wednesday of the month, making me late on my mortgage payment all but 2 months of the year. I have called the Social Security Administration and they refuse to change it. Nationstar, my mortgagor refuses to help me. I am fined {$22.00}. extra each month because the payment is late. After I pay my bills, I have {$140.00} leftover. I can not afford late payment fees because of SSA assigning me to a week of the month that makes me pay my bills late. All other creditors understand and do not charge a late fee. Just Nationstar.
On my background checks there is an address listed as mybown that I have never lived at. It is an old address from my ex-husband and I didnt even now him when he lived there. I would like it removed from my personal info. It is listed as XXXX XXXX XXXX, XXXX PA XXXX.
XXXX  has been non-compliant with removing the unverified account AMERICAN EXPRESS Date opened XX/XX/2006 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Experian still reports 5 fraud accounts that have been disputed since 2014 due to the XXXX  breach and these fraud account must be removed. Here are the disputed account > XXXX XXXX  $ XXXX >XXXX XXXX XXXX {$5000.00} >XXXX XXXX {$5000.00} XXXX > XXXX XXXX XXXX and XXXX XXXX {$570.00}
I made weekly payments to credit card even before the due date yet interest and late fees applied to my account on numerous occasions-see attachments Additionally {$1200.00} never refunded by XXXX XXXX XXXX instead they created another late fee of {$530.00} after I requested to close my account-see file XX/XX/XXXX Now they do admit to a refund but only of $ XXXX-see file XX/XX/XXXX after applying late fees and interest Every time I called a XXXX/Rep mentioned that it takes 6/8 weeks to process yet its only been three months and still waiting for refund
Dear Sir, I am writing to you because I have been over charged by SLS. I have tried to solve the problem directly with SLS and they are intentionally refusing to solve my problem I am demanding that they fix the following incorrect charges immediately. 
1. I should have not been charged for attorney fees for late payments due to California Homeowners Bill of Rights. 
" Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the Foreclosure process is essentially paused until the complete application has been fully reviewed. '' I sent the last completed loan Modification application to XXXX my previous servicer on XXXX/XXXX/XXXX. In XXXX XXXX I was notified that loan modification was transferred to SLS. I was contacted by SLS in XXXX XXXX they required for an updated XXXX. 
SLS denied my modification citing that my loan was not owned by XXXX XXXX saying my loan is owned by a private investor which does not participate in modification. I sent a dispute letter and proved that in fact my loan is owned by XXXX XXXX. EXHIBIT -A- I applied for assistance from Keep your home California they paid SLS {$20000.00} on XXXX XXXX, XXXX to reinstate my loan back to the original agreement. I signed a XXXX deed of Trust for this amount which was filed in XXXX XXXX County Recorder 's Office Doc # XXXX. It was my understanding that {$20000.00} will cover my mortgage payment from XXXX. My direct payment to SLS should have been commencing XXXX/XXXX/XXXX, however they send me a statement for XXXX XXXX, XXXX which I paid on XXXX XXXX, XXXX. I have been over charges and I am requesting my over payment to be applied to my XXXX XXXX Payment. 


Balance Owed Date Principle Interest Escrow Total XXXX/XXXX/XXXX {$440.00} {$460.00} XXXX {$1400.00} XXXX/XXXX/XXXX {$1400.00} XXXX/XXXX/XXXX {$1400.00} XXXX/XXXX/XXXX {$1400.00} XXXX/XXXX/XXXX {$1400.00} XXXX/XXXX/XXXX {$1400.00} XXXX/XXXX/XXXX 3 % {$1400.00} XXXX/XXXX/XXXX {$390.00} XXXX XXXX {$1600.00} XXXX/XXXX/XXXX {$1600.00} XXXX/XXXX/XXXX {$1600.00} XXXX/XXXX/XXXX {$1600.00} XXXX/XXXX/XXXX {$1600.00} XXXX/XXXX/XXXX {$1600.00} Total {$19000.00} Payments XXXX/XXXX/XXXX Keep your Home California {$20000.00} XXXX/XXXX/XXXX XXXX XXXX {$1600.00} Total {$21000.00} Over Payment should be applied to XXXX XXXX Payment {$1800.00} I am asking you to review and correct my payment accordingly Thank You
Fortiva, has consistently marked my account as late when it is due on the tenth of each month ..but has a grace period of 15 days there after for the payment to be actually paid I have always made my payments within the 15 day grace period however they keep harrasing me saying that I am late. I have told them to read their contract ... but they continue to harrass me to no avail I am XXXX years and want these phones calls and harrassment from these people to stop their e-mail address is XXXXXXXXXXXX XXXX XXXX, XXXX, ga.XXXX
Please remove the accounts from my credit report..The accounts are showing multiple late payments..This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions XXXX XXXX, XXXX  XXXX, XXXX   XXXX, XXXX  XXXX, XXXX  XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX
I was purchasing a car under my XXXX and using a CD which required signatures of at least 2 members of the XXXX. We began the signing for the vehicle on XX/XX/11 after establishing a CD with a local bank on a property I was awarded from my my divorce, and because the car dealership was running behind the papers were not completely signed when I had to go to work. My signatures for the XXXX were collected. After I left for work the other member of the XXXX was there to complete the signing for the vehicle and added his personal name for registration and titling of the vehicle without my consent. 

As the vehicle was now registered to the XXXX or ... .. I was compromised from my interest. The individual then registered car in his personal name when it was not in his place to do so and I was damaged. After the registration changed no one would give me information.
I had problems with this company reporting negative thing to my credit report about the balance, how much I owed and other negative things.I requested them to verify the debt was mine but i never got a response.
I have had a student loan serviced by Navient since XX/XX/2000 's. I have tried to make over payments each month to reduce my principal but have had problems even getting Navient to respond to my request in any way. I have included separate letters stating exactly how I wanted my overpayment directed and over the years they have never applied my payments properly as requested. I have written many times and have never even received one single reply as to why my payments were not applied. I want them to go back and apply each payment as I requested and that met their own criteria and all the interest for the amount of amortization that should have occured due to the over payment and adjustments returned to me or applied directly to the principal amount of my loan. I would also like statements including the original loan amounts over the life of my loan mailed to me so I can have my accountants examine these statements. 
XXXX & XXXX XXXX account number XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX ss # XXXX address XXXX XXXX XXXX XXXX XXXX Ga XXXX
I keep receiving repeated no voicemail left calls from XXXX. Will list dates at end. Doing an internet search comes up with Receivable Management Company ( collections for XXXX XXXX ). I have received one mailing from them 2 weeks ago. Claims states open since XXXX. We had progressive last year and the policy was cancelled in XXXX for non payment. They are now trying to collect premium thru XXXX even though XXXX cancelled in XXXX. They are listed on 2 of my credit reports as open and on 1 credit report as closed, included in bankruptcy. This debt is not valid and the repeated calls are harassment. Dates - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the list just continues ....
There is a collection account which is unknown and I do not owe this company {$410.00} requesting removal
On XX/XX/2016, I disputed the alleged debt within the XXXX period. When I received their letter on XX/XX/2016, I asked for detailed documentation in the attached letter labeled " CFPB-PMS2 ''. 

I did not receive a reply nor did I receive any documentation I asked in my letter. Instead, they blatantly violated FDPCA, FCRA and despite my admonition, falsely reported against both of our credit files with the XXXX bureaus.
GREETINGS, I MADE ATTTEMPTS AT REACHING OUT TO ALL THREE CREDIT BUREAUS IN REGARDS TO INACCURATE INFORMATION THAT I DISCOVERED ON MY CREDIT REPORT. TRANSUNION REPLIED THAT ALL INFORMATION HAS BEEN VERIFIED AS ACCURATE, I AM UNSURE OF WHAT MEANS THEY HAVE USED TO PRODUCE THEIR VERIFICATION, HOWEVER, I SATISFIED BOTH OF MY CONTRACTUAL AGREEMENTS WITH XXXX XXXX XXXX XXXX AND XXXX AND NOW THEY ARE BOTH APPEARING ON MY CREDIT REPORT. PLEASE HELP ME RESOLVE THIS ISSUE. I FEEL LIKE THESE BUREAUS ARE HOLDING ME HOSTAGE.
This is a XXXX bill from at least 2 years ago. Comenity Capital Bank started sending my past due statements to my ex-wifes parents house where I have never lived there and she has n't lived there in over 15 years. They continue to call my cell phone every day at least 5 times a day. They called me 7 times today from unknown caller within a 8 hour window. I have told them to stop calling and just sue me if they want because I do n't have the money.
I 've been waiting several months for XXXX to consider my income based revenue application. Each time I call, customer service representatives are unable to give me even a rough idea of when it might be processed. The current payments are much too high and I am having trouble paying even a part of the due amounts while I wait for them to process paperwork.
The account XXXX XXXX was previously closed and removed from my credit report as of XX/XX/XXXX, I double checked on XX/XX/XXXX and it was Closed and removed the same day. How ever the Credit Bureau XXXX and Equifax have Reinserted this Unverified Collection that was previous deleted. I have written multiple documents to both creditors as well as contacted the collector who could not substantiate this collection which is why it was deleted it has been disputed and no help has resulted in 4 months Per 15 U.S. Code 1681i - of the FCRA ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which was never done so this should be deleted as it initially was when it was not verifiable
FOR THE PAST TWO MONTHS I HAVE BEEN CONTACTING XXXX SUNTRUST TO TRY TO GE THEIR HELP REMOVING A REPORTING FROM MY CREDIT BUREAUS THAT THEY ARE REPORTING TO. AND I HAVE BEEN TOLD BY SEVERAL EMPLOYEES TO JUST SEND OVER A COPY OF MY CREDIT REPORT AND A WRITTEN LETTER REQUESTING THE ACCOUNTS TO BE DELETED AND THEY WILL HAVE THEM REMOVED. THESE ACCOUNTS ARE ALREADY CLOSED AND HAVE BEEN FOR YEARS. AND I AM APPLYING FOR A HOME LOAN. IN ORDER TO GET APPROVED THESE ACCOUNTS NEED TO COME OFF. I HAVE DONE EVERYTHING THAT I CAN DO THAT SUNTRUST HAS ASKED ME TO AND THEY HAVE BROKEN THEIR PROMISE TO ME AND LIED TO ME BY TELLING ME IT WAS ALREADY REMOVED. WHEN I CALLED SUNTRUST TODAY AND SPOKE WITH XXXX EMPLOYEE ID XXXX. HE SAID THAT HE IS SORRY FOR THE MISUNDERSTANDING BUT HE WILL NOT BE HELPING ME REMOVE THIS FROM MY ACCOUNT ALL THOUGH I WAS PROMISED THAT IT WOULD BE REMOVED. BECAUSE HE DOESNT HAVE TO. AND IT IS THERE REGULATIONS TO KEEP IT THERE FOR 7 OR MORE YEARS. WHY HAVE I SPOKEN WITH SEVERAL EMPLOYEES AND NON OF THEM EXCEPT HIM KNOW THIS POLICY? AND WHY WAS I PROMISED IT WOULD BE COMPLEATLY DELETED AND NOW THEY ARE SAYING NO? AND THE FIRST COMPANY WAS CLOSED DOWN AND SUNTRUST TOOK OVER SO WHY ARE THEY STILL REPORTING IT TWICE? AND REFUSING TO STICK TO THEIR PROMISE TO ME TO DELETE IT FROM MY CREDIT HISTORY?
My taxes have been taken from me for a few years in an attempt to collect my debt. I asked for inquiry of my balance. On the itemized billing that I received it shows that whatever amount they took from my taxes was credited to my balance but then " reversed '' and added back to my amount due. I have sent an email with the scanned copy of the bills highlighting where the discrepancies were and no one can give me straight answer of what 's going on and they are still attempting to collect the debt.
A few months back, I noticed a collection account in my credit files for XXXX XXXX XXXX. I contacted them about this debt and was told this was from a student loan. I explained to the company that I never had a student loan with XXXX XXXX University, as I paid cash for my courses. I asked for them to send me verification of this debt, and was told that they didn't have to send me the requested information. I stated that they have to validate the debt and just can't add a negative entry on my credit file when I have no earthly idea what the entry pertains to.
XXXX 's " unsafe and unsound foreclosure practices '' and use of forged and unauthorized assignment of mortgage is being perpetrated in state and federal courts in order to pursue a foreclosure and relief of stay. XXXX has and is continuing to use forged assignment of mortgage allegedly assigned from XXXX XXXX to XXXX in XX/XX/XXXX and XX/XX/XXXX. These assignments are signed by various known robo signers as vice presidents of XXXX and XXXX to proceed in a foreclosure and bankruptcy proceeding. XXXX claim it is the legal owner of the mortgage via transfer, assignment of mortgage on XXXX XXXX, XXXX in a foreclosure complaint. No evidence was presented into the court 's record as to the claim. XXXX is not the original lender, but a debt collector, attempting to collect on a XX/XX/XXXX defaulted debt. XXXX XXXX Mortgage XXXX is the original lender and filed for chapter XXXX bankruptcy on XXXX XXXX, XX/XX/XXXX. XXXX was granted a default judgment in XXXX XX/XX/XXXX, and a relief of stay in the debtor 's bankruptcy proceeding in XX/XX/XXXX, again without any any proof of legal standing. No valid proof of note or assignment transfer, a proof of claim was not filed or any legal valid documentation offered, but the state court default judgment. 
Upon noticing XXXX 's lawyer that there was not any valid recorded documents of the transfer, or an executed assignment in the recorder of deed on XXXX XXXX, XX/XX/XXXX, an executed assignment dated XXXX XXXX, XX/XX/XXXX was filed into the record and was recorded on XXXX XXXX, XXXX. The assignment was defective and is invalid for numerous reasons. On XXXX XXXX, XX/XX/XXXX, another assignment was executed and recorded on XXXX XXXX, XX/XX/XXXX. This assignment was not a valid assignment. However, the XXXX XXXX, XX/XX/XXXX assignment is being perpetrated into the state and federal court as a valid assignment from XXXX XXXX to XXXX Bank, who was in bankruptcy at the time of the alleged executed assignment. I have attached various documents, including a letter to XXXX in regard their deceptive acts, and other pertinent documents as proof of the issues involved. Thank you for your time in reviewing documents. I hope XXXX would resolve this serious matter.
XX/XX/XXXX an application was put in XXXX XXXX XXXX, by my husband, with me as co-applicant. Without my permission to use my name and social security number. Also on XX/XX/XXXX these other companies were contacted. 
2.XXXX XXXX 3.XXXX XXXX 4.XXXX 4. XXXX 5.XXXX XXXX XXXX 6.XXXX 7.XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX. ALSO ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX AND XXXX XXXX all of these businesses said I was an co-applicant on the applications with my husband being the primary applicant
My mother had a Discover card, and she purchased the protection plan. She showed it to me when we were going through her records before she passed away. I helped her file a XXXX claim a few months before she died. My mother also told me that the protection plan had a death benefit : the balance would be covered if she died. After she passed I called Discover to inform them of her passing. They told me that she did not have this death benefit, even though they told my mom she did. I sent the death certificate in as requested and immediately received a letter stating the full balance was due immediately. My mom sold everything in the months prior to her death. She was battling XXXX and needed money for hospital expenses. I have consulted our estate attorney, but no progress yet.
I am trying to get out of default on my student loans. I had a Stafford Direct Loan, but I am now dealing with Coast Professional Inc. The person I talked to on the phone said that due to my unemployment, I can send {$5.00} every month for nine payments to get out of default. I receive XXXX income before I am unable to work, because I have to give my XXXX mom 24 hour care. I sent a letter from my mom 's doctor confirming this to Coast Professional. I filled out the paperwork and have sent the monthly payments as required. Now, they are calling constantly, saying my request was denied ( I never received any paperwork on being denied ) and they are now demanding more money and my Food Stamp information and said that my food stamps could be claimed as income. According to the Food Assistance program website, it states that food stamps is not to be considered income or legal tender. I am afraid that Coast Prof is trying to take away my food stamps. My food stamps is the only way I am able to feed my elderly mother and myself. How is this legal? They are still calling and harrassing me, despite the {$5.00} money order I send them.