WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX {$100.00} charge .... XX/XX/XXXX charge provisional credit reversal {$100.00} ... .. XX/XX/XXXX {$100.00} charge ... XX/XX/XXXX {$120.00} charge.. XX/XX/XXXX {$100.00} charge ... XX/XX/XXXX {$100.00} charge ... XX/XX/XXXX {$100.00} charge provisional credit reversal ... XX/XX/XXXX charge provisional credit reversal {$100.00} ... XX/XX/XXXX {$100.00} provisional credit reversal. 
And theirs is more charges but this is as far I could go on my credit card website.
I was unaware that someone open a XXXX account in my named until I received a notice of me owing {$1100.00}. I called XXXX to report identity theft and explained the situation. XXXX from XXXX told me he would handle it and that someone will be calling me. No one ever called me or contacted me regarding this matter. 
Today I received a collection notice form AMSHER Collections Services for the Amount of XXXX XXXX
I deposited check number XXXX for {$9600.00} into the above referenced account on XXXX/XXXX/2017. A hold was placed on {$4600.00} immediately, with {$5000.00} depositing into my account however, the check needed to be verified by the maker. Capital One attempted to contact the company I work for, however was unsuccessful and immediately blocked access to my funds by closing my account, and saying the check is fraudulent. I have since attempted several times to get the bank to reinstate my account as the funds have cleared XXXX ' bank account, as verified in the email displayed below. Capital One is holding onto my funds and will not release them. I want reinstatement of my account or open a new account with Capital One 360 ; and as the last resort, send a check to me. These funds are for contract work I do for a XXXX XXXX, XXXX. Included is the check stub for this deposit, the invoices related to deposit and screenshots of my account online. One more note, why would interest still post to my account if it is closed?
I provided proof to XXXX that a debt collection agency who purchased Credit Card debt, Portfolio Recovery Associates, is using the tactic of illegally re-aging debt so that it will appear on my credit report longer than seven years past the the initial 30-day late payment of the debt. The debt should no longer be reflected on my credit report, but the debt collector has reported false dates in order to retain the debt on my credit report past the legal statute. The credit agency, XXXX, did not sufficiently investigate my claim of innacutare 1st delinquency dates on the original debt, and will not re-open the investigation, although I have provided proof that the debt collector / debt buyer is reporting false dates.
I was the victim of identity theft and the company cancelled the fraud claim And someone closed the account suddenly when it was supposed to be reopened to dental visits
Case id XXXX bank of americalast four : XXXX had a credit of {$190.00} on my account. I closed the account. The allegedly refunded me XXXX but only refunded me once {$190.00} ( once through ACH and once through check ). I never got the check. Because, BOFA alleged that they refunded me XXXX, they put a balance of {$190.00} on my account affecting my credit. Everytime I call BOFA, they tell me that I am correct, they never send me the check and give it 3-5 business days to correct but it has been 2 months and it never got corrected. 

To avoid affecting my credit rating, I paid them {$190.00} for the XXXX illegal charge. Now BOFA owes me {$190.00}
I opened an account with Bank of America online and I read the detail that said a deposit of {$250.00} need to be made per cycle in order to waive the {$12.00} fee. This was in XXXX of XXXX. I did n't realize it but I was given a 90 grace period on the fee. When the grace period came up, in XXXX XXXX, I received the {$12.00} fee and I went back and reread the details of the fee schedule. I saw that it said a direct deposit of at least {$250.00}. I set up two monthly direct deposits of {$200.00} in XXXX but I continued to receive the fee. As this is a petty spending account I did n't realize that I was still accruing these fees until XXXX XXXX. I reached out to Bank of America today XXXX/XXXX/XXXX and they refunded {$24.00}, or two months worth of the fees but they refused to refund the rest of the fees that had been charged. The issue turned out being that the direct deposit itself needed to be {$250.00} not a total of {$250.00} a billing cycle. Regardless of whether or not I get my money back I feel that this statement should be qualified so that other people are not mislead as I was.Thank you for your help with this matter.
Have XXXX separate acounts from Collect tech a local collections agency # XXXX # XXXX # XXXX # XXXX have called on several occoasions last date XXXX/XXXX/2015, spoke with XXXX XXXX and a guy names XXXX who both were VERY rude and refused to help me resolve this issue. Since recieveing the bills intially I advised the collection agency that I had primary and XXXX coverage. None of My EOBS or explanation of benefits have ever showed a patient balance. I believe there was a billing error and that was not a result of me not providing or having verifiable insurance. This was during a XXXX and I have no outstanding bills in regards to the XXXX and other monthly visits. I have tried to dispute this information several times and it remains as they only verify the balance and if the debt is in my name. The insurance has been provided to the hospital and I have offered to send to the collection agency. They have refused the documentation. The original debtor XXXX XXXX center ( XXXX ) has verified the information was provided and on file. They are unable to remove the debt as my account is with colletech now.
XX/XX/XXXX-called Bank of America to inform them of a cancellation of continuous payment on the amount of {$92.00} from debit card. I was informed I need to do a stop payment in order for this to happen. The withdrawal date was to be XX/XX/XXXX. Three days before transaction was to occur. I was charged a {$3000.00} fee for this and I was told by the bank representative that a stop payment had been issued and no further transactions will occur with that particular recurring payment. 
XX/XX/XXXX-checked my banking online and what happened? The transaction in the amount of {$92.00} was processed and deducted from my account. I called the bank and I was tools I needed to get ahold of the company and inform them of the revocation of continuous payments to stop. I explained to her that I had emailed a letter in which to stop deducting from my account for the XX/XX/XXXX withdrawal and all future transactions. She told me they would credit back my account in 1 business day but they have to Le it go through as a debut charge. I needed that money today for an emergency expense but now I have to wait one business day to access that money. Tomorrow is Saturday so I wont receive funds back into my account until maybe Monday, XX/XX/XXXX. Can they do that? I thought if I told my bank to stop deducting on a continuious payment they have to do that.
My mortgage was transferred from XXXX to Freedom Mortgage without my knowledge. I believe the transfer occurred in XX/XX/XXXX. I continued to make my monthly payments, on time, directly to XXXX as I always had. 

I made electronic payments via XXXX online billpay for the amount of {$1500.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. XXXX has stated that they forwarded those payments to Freedom Mortgage on XXXX, XXXX, and XXXX respectively. XXXX has assured me that all of those payments were forwarded electronically - not via paper check. 

Freedom Mortgage received the first XXXX payments and applied them to my account, but they did not receive the XXXX. XXXX has not returned the XXXX payment to me and has also repeatedly refused to provide any proof of them forwarding that payment to Freedom Mortgage. Freedom Mortgage has repeatedly assured me that they have not received that payment. Neither company is willing to contact the other to help me resolve the issue, even after weeks of numerous calls and emails to both companies. My mortgage account is now in default, and despite having an impeccable credit history my credit record is now in jeopardy. 

During every single call to XXXX I have asked them to provide a transaction ID for that third payment of {$1500.00} that they claim to have transferred to Freedom. They have refused to provide any unique identifier or proof of payment to help me locate this payment. XXXX stated that the only way for one to find out more information about this transaction is for Freedom to directly contact XXXX processing department. Freedom has refused to do that, and also refused to allow me to conference both companies onto the same call to resolve the issue. I 've launched multiple research tickets with both companies, and they have not made any progress in locating the missing payment nor disclosing any transaction information that would help me to do so. 

It 's also worth noting that I made my XX/XX/XXXX payment to Freedom by check to prevent any further issues with my account, but they incorrectly applied it to the missing XX/XX/XXXX payment. So while they are showing I still owe them for my XX/XX/XXXX payment, it 's the XX/XX/XXXX payment ( which I made on XX/XX/XXXX to XXXX via XXXX online billpay ) that either XXXX failed reimburse or forward that is currently missing.
In XXXX of 2015 I purchased a used XXXX XXXX. after making 3 payments I was asked by XXXX to start making my payments through XXXX XXXX. Now It has been 18 months later and they sent someone to repossess my car. I have made the payments and they don't have them and I contacted XXXX XXXX and they said that XXXX did receive them. Now I am to turn the vehicle in or contempt charges will be filed against. I have made my payments the payments but no one will listen to me. Please help me resolve this matter. I have contacted XXXX XXXX and they have sent me to XXXX Remissions. It is quite ironic that their post office box is in XXXX, KY and so is the mailing address of XXXX.
I faxed a Multiple Inquiry Removal Letter on XX/XX/2017 in order to dispute information in regards to XXXX hard inquiries dated between XX/XX/XXXX and XX/XX/XXXX, that was being reported on my credit report. I received confirmation that they received my letter via fax at XXXX. The request that I submitted included XXXX Hard Inquiries that were not factual and when I called to follow up, I was given the response, which was " inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I was told this over the phone, clearly tells me thatthere was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Nine months ago my loan was modified. I have made monthly payments since then, which all are reflected in statements. However, despite my numerous requests, the servicer which handled the modification has yet to send me a copy of the modification document with the proper signatures for the lender on it ( I have a copy with only my signature ), nor has it recorded this loan at the Register of Deeds for my county and, importantly, it has not yet recorded the satisfaction of the loan which this one replaced. 

The servicer is Nationstar. 

I first asked for a modification, in writing, in early XX/XX/XXXX. I was current on payments and my credit score was excellent. I was then asked to submit repeated applications for HAMP, the process for each application being extended by their requests for an additional piece of information every week or two - until two to three months elapsed - and then being told that the initial application was " out-of-date '' and I would have to submit a new one. This occurred about 12 times over a 30 month period. 

Eventually, I sent a XXXX letter to the CEO and several months later recieved the offer of a modification - with mathematical and other errors in it. After I did the math for them, they sent new paperwork, I signed and returned it XX/XX/XXXX, and was notified of the new state of my account and began to make payments. 

I believe it is my legal right to have a copy of the loan with this modification, to have the modified loan recorded legally, and to have the document with the previous loan terms be recorded as satisfied or whatever would communicate publicly that it is no longer valid, and to have these matters accomplished in a timely manner without further harming my credit rating. Almost 10 months have passed with none of those being done, even though I have asked repeatedly for them to do so. 

Nationstar has also blocked me from using my online account for payments because I am pursuing a remedy in the courts for the violations of my rights and damages done to my credit rating. I believe that blocking is a violation of my rights as well. 

Note : the question below - which part of the mortgage process is my issue related to? - does not have an option that exactly fits my situation. I chose " signing the agreement '' because I have not received a copy with their signatures on it, even though I have been making payments and have statements reflecting the modified amounts.
On XX/XX/2018 I received a text alert from Chase saying that someone is trying to send money through XXXX from my account. I immediatly called the fraud department at Chase and told them that i not initiate this transaction and they need to block this and any transactions. Despite this Chase let 3 transfers totaling {$5400.00} to two different people. I went to Chase bank and discussed this matter, the fraud department said they see no fraudulent transaction and that these transfers were made from one of my devices. I DID NOT make these transfers nor do i know anyone of these people.
I moved out of my home on XX/XX/2015. At that time I spoke with a customer care agent at XXXX XXXX so shut off my electric service. to this day the account shows " open '' and I have a balance of XXXX which is incorrect. I have tried multiple times to dispute this. If XXXX would pull their calls from XX/XX/2015 they will here myself and the customer service rep confirm that service should be shut off at my address. The last address they should have it in XXXX PA XXXX I do not recall the street or house number.
I closed on my home in XX/XX/XXXX. At that time, I was told my monthly repayment would be {$2400.00}. I paid that amount every month, timely, as agreed. Just a year later, on XX/XX/XXXX, Wells Fargo sent me a notice that my loan payments would increase to {$3400.00} due to an escrow adjustment. That is over {$1000.00} more than my original payment- more than a 40 % increase! 

I submitted a qualified written request and notice of error with Wells Fargo on XX/XX/XXXX. They still have not provided me with an explanation. To the contrary, they have unilaterally granted themselves 3 extensions of time to respond to my request. Initially, they were supposed to respond by XX/XX/XXXX. I've called Wells Fargo several times to resolve this matter, but each time I am told they are still researching the issue. 

On one occasion, a Wells Fargo rep indicated that the increase was due to the tax on the property going from an undeveloped lot to new construction. That can't be accurate. This is NOT a conversion loan. Wells Fargo knew that this residential loan was for a newly constructed home. They extended the loan amount based upon the appraised value of a newly constructed home, not an undeveloped lot. Therefore, they knew that the taxes would be based on a newly constructed home, not an undeveloped lot. With this knowledge, Wells Fargo was responsible for calculating my loan payments ( inclusive of escrow ) on my new home. In fact, they were responsible for exercising good faith when calculating my loan payments to perform the ability to repay requirements as required by statute. Wells Fargo failed to act in good faith. Instead, they are pulling a bait and switch by offering a low monthly loan payment and then significantly increasing the loan just a year later.
On XX/XX/2017 a balance of {$1700.00} from XXXX XXXX XXXX appeared on my Equifax credit report. I am challenging Equifax to verify this account per Section 609 of the Fair Credit Reporting Act.This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
I opened up CapitalOne 360 Savings account in XXXX 2015 after seeing advertisement on-line. 
Bank promised {$500.00} bonus after keeping XXXX in the account for 90 days. I called them couple times to confirm the ad. Now, Bank is claiming that I am not eligible for bonus because I had savings account with ING bank 15 years ago. ING bank is now part of CapitalOne. I also was told that I have 30 days to transfer all the money to the account. Bank is saying that it is only 10 days. I believe CapitalOne is not playing fare and tricks customers with small prints and misleading information over the phone.
For CFPB & PayPal Inc, Thank you for deciding to read this message to help me out in regards to a indefinite suspension which was Issued on my servicing account with PayPal. 

On XXXX XXXX, PayPal decided to manually overview my account and believed it was best to finalize my partnership. This was due to a possible violation which may have happened on my account. The permanent restriction was placed on my account causing {$1000.00} to be held at my expense. 

The concern was that I was believed to infringe the rights of copyright holders when processing my sales with PayPal. After contacting agents to overlook the decision by phone and email, my request was denied. 

The reason being is that the items I sell are not fake. They are legally obtained through liquidations. I have been selling for over 5 years now, never having a problem with any brand owners regarding copyright infringement. We have now started drop shipping from our exporter for Almost two years with PayPal, coming to around XXXX satisfied eBay customers due to our exporters expertise in shipping within handling time, while providing items that are known for there authenticity. 

As a last reminder, please note that we have never had to a case opened under the counterfeit category with PayPal. This assures that we as a business never had any related " counterfeit '' problems with PayPal until this indefinite restriction came in place. 
Thank you, XXXX XXXX
To whom it may concern I have taken Portfolio Recovery to court in XX/XX/2013 for invalidated debt and I won the case - it was discontinued without prejudice and yet the account is STILL on my credit report - I have subsequently tried to sue them, send them a certified letter to the address on file with credit bureau and it was returned with " not deliverable as address vacant '' I am enclosing BOTH of these forms - Can you please help assist in taking these off my credit reports - Thank you -
I just viewed my results from experian and noticed that they re-inserted information that was previously corrected. My XXXX account/XXXX was reporting as accounts that are in good standing. I submitted a letter that I received from XXXX stating that my account was never paid 30 days late back in XX/XX/XXXX and to please correct my credit report. Experian corrected it the first month now I just noticed they put this account as " accounts that are considered negative '' with a 30 day late payment in XX/XX/XXXX. This is not right. I had to contact XXXX to request this letter from them then send the letter over to experian to have this information corrected and now they are reporting it again in accounts that are potentially negative and should go to a positive status in the year XX/XX/XXXX. I just tried to dispute this information again with experian but the system would not allow me to do so. I am submitting this complaint about experian credit reporting agency because they are affecting my credit score by re-inserting an account into negative when I provided substantial proof to them that this account should be listed under " ACCOUNTS THAT ARE IN GOOD STANDING ''. I never had a late payment with mandee 's credit card so the information experian is reporting on my credit report is wrong. Again I have to go through the process of submitting this letter to them again wait 30-45 days and hope they correct my credit report. I have spent so much time and effort and letters along with my time in trying to correct the incorrect information that is reporting on my credit file. Experian is a horrible credit reporting company.
Servicer is maintaining a foreclosure wherein its predecessor servicing company prematurely appointed substitute trustees XXXX XXXX and XXXX XXXX as trustees to bring a foreclosure action. Once appointed, XXXX XXXX nor XXXX XXXX notified me in writing that I owed the creditor money and neither notified me in writing that I had the right to dispute the debt, and never noticed me or my spouse that they petitioned the court for a foreclosure. The immediate day after being appointed substitute trustee, an attorney by the name of XXXX XXXX filed a petition to the XXXX XXXX XXXX XXXX XXXX XXXX for foreclosure for either XXXX XXXX or XXXX XXXX, but the petition does not clarify which alleged substitute trustee that Counsel XXXX was seeking foreclosure. Neither XXXX XXXX or XXXX XXXX petitioned the court individually or jointly seeking foreclosure on behalf of the alleged creditor. Neither alleged substitute trustee filed any documents in the court pertaining to the foreclosure until XXXX XXXX, 2011 and that sole filing was a notice of sale. It is an undisputed fact based on the court record that XXXX XXXX nor XXXX XXXX provided proper notices required under FDCPA and XXXX prior to XXXX XXXX filing his notice of sale, which was his first point of contact with the myself or my wife. To date, even knowing of the blatant violation of FDCPA law, the servicer is still attempting to sale the property despite the defects in the foreclosure process. The absolute only time that either XXXX XXXX or XXXX XXXX appeared in the matter, or noticed us of anything was when XXXX XXXX filed his notice of sale. There are upwards of XXXX defects in the foreclosure process that Ocwen is and has continued to ignore. We ask that Ocwen provides information to support that its substitute trustees XXXX XXXX and or XXXX XXXX has ever contacted us before XXXX XXXX filed his notice of sale. These defects deprived us of our right to put on a defense.
Noticed that I had been charged for years for a XXXX program, but I was unaware of it. Contacted Citibank, who transferred me to XXXX. XXXX stated that they would send me proof of enrollment in the mail within 7-10 days ( or in some reasonable amount of time ). This was XX/XX/2015, and I have still not received anything.