WillisBack/dataset-financial-user-claim huggingface dataset:
This business does not communicate in a timely or effective manner regarding applications for home mortgages, or refinancing, which forced costumer to complaint and request information regarding the status of her loan application in an open Costumer Service comment box. To which the Loan Originator reacted in a rather unprofessional matter, costumer had to ask XXXX XXXX ( loan Originator At citizens One ) to lower his voice and to please transfer the loan application to another Loan Originator. Customer also requested to speak with a manager ( XXXX XXXX ) and made the same request. 
The Customer request were ignored and the lack of communication regarding the loan application continued. Customer made another post on the general Citizens Bank complaint box and immediately received a very animated call from XXXX XXXX telling the customer that she has been denied. 

This customer has documented all the attempts to try to get her loan application transferred to another loan originator given the lack of professionalism of XXXX XXXX, this customer discussed this transfer with XXXX XXXX who is the local Citizens Bank Loan specialist at the branch where this customer does her banking, XXXX XXXX seemed eager to help the customer get the loan application transfer to her until she contacted the Loan XXXX, XXXX XXXX. XXXX talking to XXXX XXXX, XXXX XXXX called customer to report that XXXX XXXX told her that the loan application could not be transfer, costumer has a voice message with this information. Now customer is extremely concern given thath all her sensitive financial information is with individual that have kept her in the dark about her loan application process, have disrespected her as a customer by yelling over the phone for having asked about her loan status, have been lied to not only by the loan originator but also by a manager. 

This customer is kindly requesting the neutral review of her loan application by an external agency as well as a the refund of the funds paid towards the home appraisal. I can not express enough how unprofessional and stressful this experience with Citizens One has been. Not to mention that my XXXX Credit score may be impacted by having this inquiry done, that can not be repaid.
When I called into payoff my existing balance on my loan for my Spotloan account on XXXX/XXXX/16. They told me that they are unable to process my payoff until XX/XX/XXXX so that they could collect more interest on my account. Since my finance rate is very high, I thought the process is unfair. 

Cordially, XXXX
Suntrust bank has decided to terminate my account. That is fine with me as I wanted to close the account anyways. However, the bank has indicated to me that they are holding the funds for some amount of time. I want to close the account, they want my account closed, I do n't see why they need to hold my funds. Please send me a check with the remaining funds in the account.
These people called me regarding a XXXX XXXX card that I told them I had no knowledge of. I mailed a validation letter on XX/XX/XXXX it was signed for on XX/XX/XXXX and 30 days later I still dont have a response. This is very frustrating because at the time this account was opened I was in boot camp I also sent them documents proving that but still no response. XXXX XXXX is trying to collect {$430.00} from me and couldnt even validate the debt.
IN REGARDS TO : ALLY FINANCIAL P.O. BOX XXXX XXXX MN XXXX. I REQUESTED DEBT VERIFICATION BY REASON THAT THE ACCOUNT IS REPORTING INACCURATELY BEING FIRST REPORTED ON XXXX XXXX. HOW IS THAT POSSIBLE WHEN THE ACCOUNT DATE OPENED DISPLAYS XXXX XXXX? ON TOP OF THAT I HAD NEVER BEEN LATE WHICH IT SHOWS SEVERAL LATE PAYMENTS. I ASKED ALLY TO PROVIDE INFROMATION REGARDING MY ACCOUNT UPON REQUEST. IT WENT UPON DEAF EARS. I GOTTEN NO RESPONSE. ALLY FINANCIAL AGENT RECEIVED THROUGH CERTIFIED LETTER XXXX XXXX SIGNED BY XXXX XXXX RECEIVED ON XXXX/XXXX/XXXX. TODAY WHILE CHECKING MY E-MAIL I RECEIVED A NOTICE FROM MY CREDIT MONITORING SERVICE. ALLY FINANCIAL REPORTED TO XXXX THAT THE ACCOUNT INFORMATION DISPUTED BY CONSUMER MEETS REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT.
I have some collection removed from my file in XXXX 2017,  then after awhile I look at XXXX and Trans Union and they were back on my file.
Equifax has mixed up my information with my sisters who lives in  XXXX   XXXX . I 'm a client at  XXXX   XXXX  #  XXXX , they have worked with equifax to correct the problem. My sisters name is  XXXX   XXXX , she was married with the name of  XXXX . My name is  XXXX   XXXX , that is my maiden name, I have never been married and I have never lived in  XXXX . I have always been a   XXXX   resident. Although I faxed equifax my birth certificate and social security number and state license, the current address on my report is a  XXXX  address which I informed them was not mine but my sisters. They refused to correct this and have allocated my information to my sisters file. Her house, car, loans, children 's car loans were put on my file even though she has a different ss number and dob. All of my legal documents and business accounts are in my legal name which is  XXXX   XXXX  I 've been dealing with this for over 6 months, and could not apply for a mortgage as this information is incorrectly reported by equifax. Please help me I 'm not rich enough for further lawyers and fees.
The account with XXXX XXXX XXXX account # XXXX ending in XXXX is closed and charged off. There should be no DELIQUENCY AFTER A CLOSED DATE ... ..So how is this ever late or past due? On any of these reports. I have provided proof and documents that this has been reporting inaccurately for months. I have been disputing it mulitple times not only with the creditor but with the credit reporting agencies and they have come back and said they have verified that this is accurate but not addressing the concerns of the disputes. Well i do have rights and according to FCRA 623 Duty of Furnishers of Information to Provide Accurate Information at all times. This has not been the case for me concerning this account with Experian and XXXX. Please see attached inaccuracies with mulitple request of disputes to verify the information that was provided by the creditor. 
how was XXXX payments received on a 4 month term loan? 
How is there a payment amount due? 
why are there 3 different amounts on all different bureaus? 
why is this charged off and closed and past due at the same time? 

This has caused me so many issues in the last year that i cant express how thankful i am to finally get help with one bureau, now can you assist with the illegal activity that is being done with the others.
I send money to my wife vie XXXX in the amount of {$30.00} on XX/XX/2018, XXXX XXXX. 
There was no issue with the transaction. 

I send money to my wife vie VENMO in the amount of {$800.00} on XX/XX/2018, XXXX XXXX Now, apparently, there is an issue. 

XXXX removed the funds from my checking account, but refused to send to my wife 's account. They requested additional information from her which she provided. However, they still did not release the funds to my wife. 

I received an email requesting additional information from me. I refused and requested the XXXX simply return the funds to me. Now they have a problem with this and are holding my funds hostage for up to 180 DAYS to conclude an investigation into account activity.
I questioned this debt after getting harassed by RS Clark via the phone. I had a firm retained to send out for validation of this debt and a cease and desist phone contact order. What they sent back as validation is concerning. It shows my daughter as the guarantor, yet she was XXXX years old at the date of service on the invoice, a medical practice we have never heard of for a specialty my daughter has never required, in state we do not reside in, and a doctors name we have never heard of!
We purchased a home ( manufactured ) that was attached to land. After 10 years, we wanted to refinance to get a new roof. We were informed that only the land was in our name. The home was never transferred to our name. We could not borrow against it or even sell it. Wells Fargo refused to help us fix this issue. Therefore they foreclosed because we refused to make payments on a home that was not ours. This incident has now stopped us from getting a mortgage on another home.
XXXX XXXX XXXX account XXXX is wrongfully reporting on equifax, XXXX and XXXX credit bureaus.XXXX is collector for XXXX XXXX the original creditor.they are collecting or trying to collect XXXX dollars, approximately XXXX dollars in charges appeared after I cancelled for poor service.and switched my phone number and service to XXXX XXXX.
XX/XX/18 is the date we get paid and my funds are not on my card. I check that all routing and account numbers are correct and they are. I spoke with payroll from my employer and they provided me with a trace number to give to Card.com to " find '' my funds. I have called today 6 times to get this resolved. Card.com states they have not received my funds but my employer advised me that the funds were send on Wednesday. Another employee at my location also got a card.com card and she received her funds on Wednesday with no issues. But here it is FRIDAY ( PAYDAY ) and I am missing {$600.00}. Please help
I disputed an account. I received a response stating that it was deleted. I had someone pull a tri-merge credit report on my after receiving the results, and the account was still on my credit with the credit bureau that stated it was deleted.
*Since XXXX, I am still " fighting '' with Nationstar regarding this mortgage ; they will not comply to the financial security standards as binding by Frank & Dodd Law . After fighting with them for two years when I overcame an illegal foreclosure in XXXX XXXX for filing a CFPB claim ; forging modifications documents ; I ward off another illegal modification and became current, and STILL NATIONSTAR IS CLAIMING MORTGAGE IN THE REAR! 

I had to pay {$6200.00} by XXXX/XXXX/XXXX to be reinstated ; it will not include the XXXX mortgage. An electronic transfer was submitted in the amount of {$6000.00} with a promise for the balance of the {$250.00} to be paid within 90-days. I have attached the payments for XXXX, XXXX, XXXX, XXXX, and XXXX. I have also attached Nationstar website claiming I owe them for XXXX. 

I have forwarded through their webpage multiple inquiries ... .with no response other than to call them. I want a written response no verbal. 

I have forwarded a separate electronic email transmission via worksite with receipt confirmation ... ..still no response other than to call them. I want a written response, no verbal. 

I have submitted a copy of the bank check for XXXX XXXX, and the XXXX other electronic payment processing documents for their validation, but they have not reconcile with the reinstatement documents with the amount {$5100.00}, which would leave my account current up to XXXX XXXX. 


These are harassment tactics that consumer should not have to endure because Nationstar bought her contract ... ..I DID NOT SEEK OUT NATIONSTAR. I DID NOT CHOOSE THEM AS MY LENDER. THEY WERE FORCED ON ME. Now, that the property is still underwater I can not refinance this property, but I will when the opportunity arise! Until that time, GOVERNMENT REGULATOR GET THIS DOGS OFF ME.
I was offered several 0 % interest rate balance transfers with different expiration dates for each one. I have made monthly payments and when the first transfer was about to expire I paid it off. When the second transfer was about to expire I asked what the balance of the transfer would be. I was told a different amount than what I calculated. I was informed that they could not keep track of where my payments went and the company could apply the payments to any of the balance transfers. My issue is that the company is not honoring the expiration date on each of the transfers and is now charging me interest.
Transunion is reporting a prosper loan as Chapter XXXX bankruptcy I HAVE NEVER DECLARED ANY SUCH BANKRUPTY THEY ARE REPORTING ON A PROSPER ACCOUNT THAT WAS PAID IN FULL. THIS IS AND WILL CAUSE DAMAGING EFFECTS. ITS UTTERLY UNTRUE AND VIOLATION OF FEDERAL LAW AND CRIMINAL WITH BANKRUPTCY COURTS AS I HAVE NEVER SOUGHT NOR FILED ANY SUCH BANKRUPTCY
Id like to dispute a late mortgage payment from XX/XX/XXXX, a XXXX card and XXXX   card all from the end of XX/XX/XXXX.

I made these payments through the XXXX XXXX XXXX   portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact XXXX XXXX XXXX  and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure XXXX XXXX XXXX records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX but I would like to have these marks corrected.

Thank you
I paid my co-pay and XXXX XXXX paid their part of the bill. These are extra charges never billed to me but ended up on my credit report. The Collection Agency had removed these charges but put them back on my credit report after I paid XXXX XXXX XXXX Hospital bills.
I applied for an apartment in XXXX XXXX XXXX like three years ago due that I was going to get a job in XXXX it was another person applying with me time went by never heard from their office after about two or three weeks they called me and said that I could get the apartment but I already had decided that I was not going to XXXX anymore so I left it like that a year later I get this collection in my credit because apparently I signed the contract for a year with this company I requested a copy the contract and realized that someone else had singed never lived there do n't even know how apartment looks ive'been in XXXX XXXX for the last 5 years
Emergency XXXX of us in danger. 
# Current lender is not related in those problem.But owning home through people are taken benefits through us. 
My family own home which is in XXXX and XXXX of us in US are kind of like hostages on both side. My husband is only person of responsible for our mortgage payment. Evil Main diagram is if he lose job or lack of mortgage payment, divorce, medical problem or anything else may trouble of both of property in US and XXXX. Legally or illegally people attached both of us will benefit to draw out automatically if their system is fail. 
In XXXX, property has being holding by authority since XXXX. It is holding 9 years by now. In USA, I got a letter from XXXX XXXX that foreign asset controlled property under my husband name. Please contact me if FTC need further more info. People have taken accomplished their education, some of the people are getting job or already working using me. Those people distress me, ruined my name in XXXX and US. Those all problem come from hate people who was created their cell phone was stolen by me since XXXX. Their group of people mortgage lenders and associate agencies are still actively created this evil things done. They helped people and supported who need edu, immigration status got through from bridges of our both house. Even sec8 and 2 b room housing program were taken without my consent.Then both of us can be eliminated. Please help us. They made all agencies to participate that their clients need got through from us. Save us our lives. May be immidiately filing law suit. There would be safe of us both of us live in two countries.
Trying to refinance with a company that is known for illegal actions. Quicken says they have all the info to refinance then, all of a sudden, drops it saying the present company has and shows late payment, after they say it is their fault for not notifying me of increased house payment. Quicken is just as irresponsible and as illegal as they are.
Dear CFPB, Brookwood Loans Ga., XXXX, XXXX, XXXX. I have submitted theft /fraud affidavit to each of you as well as police report. Back in XX/XX/XXXX someone stole my identity that lived in XXXX XXXX Nevada. Until this day I am trying to regain my ctedit back. I noticed the Brookwood loan on my credit report. Now I actually thought this was from XXXX XXXX where I purchase my vehicle. I am requesting more information on this " online loan ". Who get a online XXXX loan? Sounds fishy .well it was n't me. I believe my son girlfriend who moved in with us in XX/XX/XXXX open this account up in my name. I trusted her like a daughter she ran errands where I gave her my debit card. She paid bills. She is the only person that could have open this fraudulent account in my name. I plan on pressing charges and prosecuting her to the fullest extent. I am requesting any and all information provided to Brookwood loans be mailed to me. I am asking Brookwood loans to review my police reports and see I am indeed a victim of identity theft. There was a auto loan, and XXXX personal loans in my name in the state of Nevada. Now there is another loan. With Brookwood. I am asking a FULL and thorough investigation and i am asking for a full removal from my credit file. I will mail all supporting documents to Brookwood Loans XXXX Ga. To all XXXX credit bureaus this is again FRAUD and I am requesting immediately removal after investigation. There is a fraud affidavit and police report already on file with each bureau please investigate this matter thoroughly. What I have gathered from google search is that Brookwood loans operate online. How was someone able to obtain this online loan in a different state. From Georgia? I plan on hiring a Attorney if this matter is n't remove from my credit file because it was n't me.
I XXXX XXXX have completed a modification request with my former mortgage servicer, XXXX XXXX, XXXX. I was in the process of getting all documentation sent to the former servicer through a third party, and an attachment of my power of attorney is hereby attached where XXXX XXXX was working with this individual. I received notification late XX/XX/XXXX that servicing was transferred to Carrington Mortgage Services , LLC . I believe that my entire file should have been transferred upon transfer. However, I have not been notified of having a loan specialist assigned to my file by Carrington. What I did receive was a formal service that my home may be foreclosed upon. As a veteran of the XXXX XXXX, I now have several medical issues I deal with daily. I had no choice but to file for a Chapter XXXX bankruptcy last year. I am now in a position to either start making mortgage payments again, but I need a line of communications open to complete the process. I do not desire to bring in any federal agency where veterans  such as myself can have their rights protected, especially under the Fair Debt Collection Practices Act. According to the XX/XX/XXXX addendum to the FDCPA, that was forced into legislation by the Consumer Financial Protection Bureau ( CFPB ), once I had a modification package submitted, I was now protected from any active foreclosure action. Therefore, I must now request that my rights be protected through the FDCPA. I must have a loan work-out specialist to my file, and all communications must be through a third-party. All foreclosure threats must cease immediately and my rights must be protected accordingly.
Purchased a vehicle for {$24000.00} in XX/XX/XXXX. Vehicle was totaled on XX/XX/XXXX. XXXX XXXX Received a check for {$12000.00} and a check for {$7300.00} all with in a two month span. They reported the credit bureau a lesser amount and also have me paying {$3500.00} in interest. They no longer have the title and are under reporting on the credit report stating that I will be finish paying the loan off in XXXX. It 's already paid off. They said today they waived {$6000.00} in interest. Where? I should not owe anything.
I am not sure this is fraud or a systems glitch but it is unsettling. I have opened two accounts at two separate locations in different states with the Bank of the West. Each time the bank has opened the accounts and then a second account unknown to me. Once in XXXX for checking and now recently in XXXX, Ca. I opened a money market account with my wife. Next thing we know there are two accounts, and the bank can not explain it. Then this time they close the original account in which we put the money and for which we have all the documentation and then they inexplicably move my money to this second shadow account. Why? No one at bank can explain. Going into branch today to discuss. Is it a systems glitch? Is it institutionally intentional? Is it intentional by someone in the organization but unknown to the official powers and systems? This is very disconcerting.
XXXX XXXX XXXX ran my credit 7 times on XX/XX/2017. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XX/XX/2017, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my reports.
I used a balance transfer on my Union Plus credit card to pay off other credit card.s. My minimum payment was {$25.00} a month. I made monthly payments of {$50.00} a month. XX/XX/2016 my minimum payments doubled from {$25.00} to {$56.00} a month. According to representatives XXXX and XXXX, this was because my account started accruing interest. This does not explain why my minimum payment almost doubled. I do not use this card for purchases. It was strictly to transfer a balance from another credit card. Capital One has now added late fees of {$35.00} to my account since XX/XX/XXXX which they refuse to remove.
THIS COMPLAINT FOCUS ON DEBT COLLECTOR OCWEN LOAN SERVICING LLC USE DOCUMENTS MANUFACTURING COMPANY TO PRODUCE FRAUD ASSIGNMENTS OF DEED OF TRUST AROUND THE COUNTRY UNDER THE CONTROL OF default DEBT COLLECTOR LAW FIRM LAW FIRM XXXX using ASSIGNMENTS OF DEED OF TRUST PREPARED BY XXXX, FOR DEBT COLLECTORS OCWEN LOAN SERVICING, DEBT COLLECTOR XXXX LAW FIRM see attached files
I am writing in regard to the account for the above named ending in XXXX. I was recently made aware that certain charges to this card were placed in a " pay over time '' option. This oiption was initiated in XXXX 2011. 

Neither I nor my wife asked for this option. As a result there have been 15.25 % interest charges revolving since XXXX 2011. 

Our fault was not paying attention to this account - which was set to auto pay full balance each month. 

The other result was that the minimum balance was being paid monthly. 

Neither I nor my wife asked for this option. XXXX inquiries to the Security Division at American Express resulted in a response of " the change was initiated online '' and that I was liable for the full amount. 

Additionally, there are several unauthorized charges on this card. They are marked in pink on the attached spreadsheet. 

I have opened an investigation. It is case # XXXX. 

I NEVER authorized the opening of a " pay over time '' option. I admit to never opening or examining statements. I will pay any charges incurred by my family. 
I am asking that I be credited for interest paid. 

I am currently in a tough position - stopping payment would result in poor credit. Making payments could possibly imply guilt. I am stuck - I must protect my family.
A debt collector is trying to collect a debt from me that is owed by my ex-wife for my daughter 's medical expenses. A hospital transferred the debt from my ex-wife 's account to mine after she would n't pay. I have a court order to pay half, which I paid, and now they want me to pay my ex-wife 's half. I sent the debit collector a letter disputing the debit, however, they still sent the debit to collection.