WillisBack/dataset-financial-user-claim huggingface dataset:
I held two HELOCs with BSI Financial, loan numbers XXXX and XXXX. I refinanced XXXX and sold the property associated with XXXX. In each case, BSIF withdrew funds out of my personal checking account after closing the mortgages. Loan XXXX. We closed on the refinance XX/XX/XXXX. On XX/XX/XXXX, withdrew the monthly payment as if the motgage were still active. BSIF stated the title company did not return the correct documents to them. The loan payoff had been received by the BSIF. I followed-up and sent the documents even though they were in the closing packet sent by the title company. BSIF subsequently returned the funds. Now, XX/XX/XXXX, a month later, another payment for the same account has been removed from my personal checking account.
Loan XXXX. We closed the loan on XX/XX/XXXX. I ensured the same forms were signed and included in the title package. Funds were transferred after the close of the sale and I received wired funds within my personal account same day. Now, XX/XX/XXXX, BSIF has withdrawn a payment from my personal account as if my loan were still active.
In a recent attempt to finalize re-payment options for my student loan with Navient Solutions, I was told that there was a second loan which had not been accounted for in addition to my current loan that shows a balance of {$2800.00}. When I inquired about this second loan I was told that it was a larger loan with a balance of around {$11000.00} and that I needed to address this XXXX as well or I could be facing possible action and even wage garnishes. I informed the Navient representative that I did not want to accept any unknown loan without seeing paperwork regarding this " new '' account. 

I have been making payments on my account since XXXX, formerly through XXXX XXXX, and since then I have made an estimated {$10000.00} in documented payments throughout the life of the loan. 

I would like to submit a request for hard copies from Navient Solutions , Inc. of any and all paperwork having to do with my current student loan information, as well as any and all paperwork having to do with the second loan in question which shows an estimated balance of roughly {$11000.00}. In addition to that, I would also like to request any and all paperwork regarding any loans that are associated with my social security number ending in XXXX that are currently under their possession as well as any third party agency representing Navient such as XXXX XXXX XXXX , XXXX. or any other company alike. 

I would like to conclude by stating that on XXXX XXXX, XXXX, I provided a power of attorney to appoint XXXX XXXX XXXX of XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX to serve as my agent in an attempt to collect this information from Navient. Since then nothing has been sent by Navient to them or to myself. 
Thank you
I have had to exercise my option to defer ( extend ) payments to the end of my loan, in the summer of XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has reported both the XX/XX/XXXX and XX/XX/XXXX payments as over 30 days on my credit, both with Equifax and XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX to dispute the most recent reported late payment. After looking at the situation, they told me the deferment ( extension ) was processed after the payment was 30 days late. I reminded them that I had submitted the proper documentation and the payment to process in time. I called to follow up the next day, after submitting both the paperwork and the payment to ensure everything had been received. Their system was down that day ( Saturday ) and they could not tell me anything until the following week. I was assured it would be effective dated for the receipt date. The person in XXXX told me to file a dispute with the Credit Bureaus. I did that XX/XX/XXXX. The reporting for the XX/XX/XXXX was removed upon the resolution of that dispute. The next month, XX/XX/XXXX was reported again as late. I called XXXX XXXX on XX/XX/XXXX to, again, go through the long process of explaining everything to hear the same responses. Finally, a supervisor assured me she was going to review it with the credit reporting team and get back to me the following week. Last Saturday, XX/XX/XXXX, I finally had time to call to follow up, after getting absolutely no response in over a month. I had to, once again, explain everything to be told the same responses, along with another supervisor telling me what " I '' would have to do to correct it. I explained in very clear terms, my next action was to file a complaint through CFPB. I asked him the time frame he needed to get a response from the credit reporting team. He said Wednesday, which was XX/XX/XXXX. I have not heard or seen any response. I purposely waited another couple days, in case something came up, preventing a timely response. 

I, now, would like to have both XX/XX/XXXX and XX/XX/XXXX removed from my credit report as late payments, since both payments were placed at the end of my loan, causing me to pay additional interest on the loan, and delaying my payoff date. I have spent hours trying to get this corrected. I have been denied a personal loan, because of these reporting issues. That personal loan would have allowed me to pay off the last of the negative issues on my credit, therefore raising my credit score to the point I could effectively trade in the car and have XXXX XXXX paid off. I feel I have been more than patient and fair minded in my attempts, while being met with resistance, red tape and absolutely no follow up by XXXX XXXX.
On the date of XX/XX/XXXX received a certified letter stating that I have a Notice of Intent to Foreclose. It stated this was for non Payment of Portage for XXXX and XX/XX/XXXX.I immediately contacted Their loan department and did make a payment. I informed the customer service representative that i was not aware of any non payments. I have been on automatic withdrawal ( ACH ) since I purchased this property, over 13 years. I have never missed a payment. The automatic withdrawal discontinued without my knowledge and i would like to know why. I have notified my bank and they are unaware of any stop payments. They also stated that it would have had to come from the department who is in charge of all ACH withdrawals. I asked to have this situation to be rectified immediately so it will not have any negative impact on my credit. 
I personally called the Rep at the Mortgage company, and asked what happened. I was then informed by the rep, " don't you check your bank account? '' I replied, " I don't need too, i don't live paycheck to paycheck, i know what is in my account. '' I was also informed in a separate letter that I will be having approximately XXXX dollars a year added to my mortgage payment for " mandatory flood insurance '' if i don't get it within 45 days from the date of the letter from another company. I do not believe it is lawful to mandate " flood insurance '' especially since i never signed up for this upon the original purchase contract of my home. 
To make it worse, the company sent me an offer via email to purchase my home cash for {$38000.00}. It is my belief, that the mortgage company initiated the reversal of my electronic payment, sat on it, for two months. All in order for me to default on my home and them to offer me {$38000.00} for a buy out. This in unethical, unlawful, and this has occurred with other companies such as XXXX XXXX XXXX, and they were held liable financially. The company also lowered my credit rating due to their negligence.
The following CHASE Credit Card A/C information is missing in my XXXX Credit Report. 
A/C Type : Credit CardA/C Number : XXXX XXXX XXXX XXXXCreditor : ChaseI have already contacted XXXXCFPB Case number : XXXX-XXXXResponseWe have reviewed your complaint along with the information you previously provided regarding this issue. 
Additionally, we reviewed the letter you provided from Chase. However, we were unable to make any changesor updates to your credit file due to XXXX policies and procedures. As a result of our research, we show Chase # XXXX was removed from your XXXX credit file on XXXX/XXXX/2008 per the creditor 's ( Chase ) request. 
Please be advised that it is XXXX 's policy to only report information that has been verified by the creditor. 
The item you are requesting to be re-inserted to your credit file has not been verified and therefore, can not be re-added. 
Chase will have to submit a request to XXXX in order to have this account added back to your XXXX credit file.
Universal RE is on my credit history for XXXX. I have no debt to them. When contacted XX/XX/XXXX, they acknowledged that it may have been from my childrens XXXX school class photo. I explained that we always paid by check and that after checking my records with banks ( in accounts that are now closed ) there were no overdrafts or ISF listed. They acknowledged I have no account or account numbers with them. This is from XX/XX/XXXX. Yet it is a mark on my credit. I asked that they remove it. They did not do it.
XXXX XXXX, of XXXX XXXX XXXX, XXXX, Indiana XXXX was charged an additional year 's mortgage payments for his home. The home was purchased in XXXX with a XXXX mortgage and should have been paid in full in XXXX. This did not happened, he was charged for an additional XXXX for this error that was made. In XXXX XXXX he owed XXXX, a check was sent for XXXX which is the regular scheduled payment. They refused to apply the check to the final mortgage payment and stataed the money was applied to interest fees.
My mother was visiting me recently I told her I was upset because I had a letter from XXXX/XXXX/2014 threating to suspend my drivers license and remove the license plates from my car I was afraid I told my mother the letter is from a lawyer the letter had legal terms I was afraid I showed my mother the letter and she told me the letter is from a collection agency my mother told me there are at lease XXXX violation of the FDCPA a collection letter that is worded like a letter from a lawyer a collection letter that does not include mini Miranda violation fdca XXXX XXXX multiple violation XXXX XXXX and XXXX
I have a credit card with Capitol One. I was going through a divorce and separated bank accounts and updated the bank information for automated payments to all accounts. For Capitol One I added my account information and set up the automatic payments in XXXX but something happened with their website and it did not accept my automatic payments successfully which I was unaware. Since I am used to everything coming out automatically I am not used to checking to make sure all payments are deducted as I have never had an issue in the past. However, I went to refinance and found out I had a 30 day late on my credit report. I called Capitol One immediately to find out why the payment was n't going through to find out that the bank was showing but not the automatic set up of my payments. I never received a phone call about my payment being late and now I have a 30 day late on my account when you can clearly see that I added my bank account and I have never been late with them and always paid on time. I think that they wo n't remove the 30 day late because I closed my account for this credit card so they do n't care about me as a customer. This is now affecting my credit score by XXXX points when I have always paid them on time other than this unfortunate technical circumstance. They are stating that they ca n't remove it even though they agreed that it is clear that I went and set up the new account. Please help, this is not fair!
Despite being set up to make payments through direct payroll, the lender continues to withdraw from my checking account. On XXXX/XXXX/15 after daily NUMEROUS threatening calls, and voicemails I was connected to XXXX the manager who was able to resolve the double payment issue and credit my checking account within 1 hour. On XXXX/XXXX/15 the lender was paid through payroll and again withdrew from my account. Throughout the month of XXXX I was told the payment was not received through payroll but for a specific dollar amount this could all stop/go away. On XXXX/XXXX/15 the amount was {$180.00} to make it all go away. I said this was not a viable solution and that I had been assured by XXXX she would personally oversee my account. Also on XX/XX/XXXX I was told by XXXX that XXXX was not in the office but if I did not want to settle for {$180.00} ( this is in addition to the XXXX x XXXX paid on XX/XX/XXXX from payroll and withdrawal from checking ) he would have her assistant reverse the bank withdrawal. As of today I am still missing funds. Throughout this ordeal I have been lied to - XXXX claiming to be XXXX a supervisor on a subsequent call. XXXX to whom I spoke with on Sat. XX/XX/XXXX - she said she could not help. then on XXXX XXXX I was told I would be transferred to XXXX 's assistant and that she could reverse the withdrawal from my account. I was transferred to XXXX - she immediately dropped my call. I am not sure what the scam is but I have been harassed, lied to and insulted.
I received a letter from Citibank stating that I needed to go to www.citi.com/refundinquiry as I may have been overcharged for monitoring services during my 10 year tenor with the bank. When I went o the website there was no page. 
The letter stated the claim would need to be filed before XX/XX/XXXX 2017. I was provided a reference number to get started and that did not work.
PNC Bank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I have received numerous calls from XXXX. A XXXX search reveals that this number is a fraudulent credit agency. I have asked them to stop calling me, and I have no outstanding debt - yet they persist. I called them again today XX/XX/2016 to insist that they stop calling.
I am trying to refinance my mortgage loan that I have with XXXX. I have XXXX mortgages the XXXX and biggest is with XXXX and the XXXX XXXX and smallest is with Green Tree Servicing. On XXXX of 2015 I tried refinancing with XXXX but Green Tree, owning the XXXX mortgage to my home refused to subordinate the loan with XXXX. I fall under the HARP program but have not been able to take advantage of this opportunity because of Green Tree.
I transferred him money through XXXX. I used Wells Fargo, he used Wells Fargo he said. He gave me his name, email address and phone number. He said this was the service he was most comfortable with. Since I had used it before and he gave me all the details I wasnt that concerned with it. The transfer went through. He called me about 5 minutes later to confirm he received the money and said he was logging into XXXX, and Id have the tickets in the next 5 minutes.. I didnt receive them and called him back, he answered right away and said he had initiated the transfer and it might just take a few minutes.
National Recovery Agency. This is a collection account for XXXX, a local utility company. I have been paying a monthly payment amount agreed upon by myself and collection agency for past five months. My credit report does not reflect any payment and indicates " C '' ( collections ) for each of the months I have paid. The payments are directly taken out of my bank account each month and i was told that payments would be reported on time.
I sent a letter to Clarity Services Inc after reviewing my credit report and seeing an inquiry done by the company. I asked that the inquiry be removed from my credit file because I did not authorize it. Clarity Service Inc responded to me by stating that can not investigate my claim until they receive appropriate of my identity. Clarity Services Inc is asking me to send them a copy of my driver 's license, social security number and date of birth. I do not feel comfortable sending them my personal information as I have no dealings with this company.
The vehicle was repossessed by XXXX XXXX XXXX XXXX, I paid the XXXX dollars via XXXX XXXX  refference number XXXX and when I attempted to call in with the necessary info I spent an hour and a half on hold until they closed, now they will sell my truck and keep my XXXX I don't think that credit acceptance should get away with this
Everytime I recertify FedLoan tries to cheat me out of PSLF time and increase my payments while they recalculate, their letters are contradictory, please see attached document letter to them with excerpts. I get my documents in super early, but their game is delay and entrapment.
Trying to get a judgement removed, from Equifax, ... I faxed a true copy from the Clerk of Superior Court stating " This judgement is satisfied in full as to principal, interest, and cost and the same is hereby cancelled of record on XX/XX/2012. '' Transunion has already removed it ... Equifax states it has to be on there for 7 years Being the widow of a XXXX veteran, my credit is all I have.
US Bank is engaging is unfair and deceptive practices by purposely charging customers a late fee on their credit card when the online payment did not work as scheduled. I logged into my US Bank Account several weeks before the {$29.00} payment was due on XX/XX/2018. I thought I had scheduled the payment as that is what the online banking system displayed. However, I noticed on XX/XX/18 that the payment never went through and I was charged a {$27.00} late fee, which is ridiculous for a {$29.00} payment that was not made due to an error in US Bank 's Online Banking System. I made an online banking payment for my whole balance, minus the late fee, on XX/XX/18 and contacted Cardmember Service about waiving the late fee since there was an issue with the system and I've attempted to set up Autopay in the past without luck. Cardmember Service refused to waive the fee and hung up on me when I requested to speak to a  supervisor. 

This same situation occurred last year when I tried to make an online bill payment through their site but they claimed they never got it. They were supposed to help me set up autopay last year, but never did. US Bank is clearly engaging in unethical behavior and trying to scam their customers out of money.
I have been receiving phone calls from a debt.collection agency XXXX XXXX XXXX claiming ownership of a bill under my name XXXX XXXX. Per XXXX they are collecting for XXXX XXXX XXXX XXXX  XXXX. XXXX are collecting {$1000.00}. The date of collection from XXXX according to my credit report is XX/XX/2013. I contacted the original creditor XXXX XXXX XXXX XXXX XXXX and were told that they do not send collections to XXXX and they don't know how they got my information. They show a bill owed in the amount of {$470.00}. for services rendered in XX/XX/2013. They said they send collections to XXXX XXXX who I contacted and settled all debts with. They stated they do not sell information to 3rd parties and do not work with XXXX. In addition, I gave my credit card information to XXXX and they are taking payments. At the time, I assumed the bill was a legitimate bill and XXXX was a credible agency. I have been unable to reach them at ( XXXX ) XXXX to stop payments and remove this false information from my credit report. The account number XXXX has assigned to this bogus bill is XXXX.
I bank with Chase bank. On XXXX/XXXX/XXXX, money from my savings was moved to my checking account, and via a feature offered by Chase XXXX XXXX XXXX, {$2000.00} was paid out to an unknown person. The next morning when I noticed this was done, I called Chase and they attempted to reverse the payment, which failed, and was unable to get my money back. I filed a claim with Chase, and they credited my money back while they investigated. During this time I had closed all my accounts, changed my online bank name and passwords, and opened new accounts. About XXXX months later the {$2000.00} was removed from my account, and on a follow up call they had notified me that the claim was denied, stating that because the transaction was done on the mobile device I typically use, they do not have enough evidence to prove it is a fraudulent activity. I had filed a complaint with XXXX and have not followed up on this until now.
I purchased a XXXX from XXXX close to 2 years ago. I was told by the sales clerk that the one I picked out for XXXX dollars was not a good XXXX, so she directed me to a more expensive one that was over XXXX dollars for the device and XXXX a month. It is a device that allows you to have wifi service through XXXX without having XXXX in the home you are in. She told me that XXXX of the XXXX dollar one would be refunded after 60 days of having it. So I bought it. I also, of course, had to sign a XXXX yr contract for it. When I took it to where I work since there was not internet service there, it had continual horrible service. I called 3 times over a two week period to speak to customer service and they said there was nothing they could do and that I could not bring it back. They also said that if I tried to get out of my contract there would be a fee for it. They also said there was no rebate on that device, and that the sales person lied to me, but even if there had been there still would n't be no rebate if I cancelled the service for the XXXX. I was told that the charge would be XXXX dollars. My dispute was that if I kept paying on a product that did n't work for the next three months ... that would be more than my rebate that I still had n't seen as promised. I got nothing but a continual lies from them. XXXX customer service was so rude that I just told them I needed to hang up. I could n't take it anymore. I still had my XXXX phone service but disconnected my XXXXI and then I paid my cell phone along with my early disconnect XXXX fee. I tried a few more times to try to get the charge taken off since it never worked in the first place and I should n't have to pay on something I ca n't use AND that I should n't have to pay just to get back a rebate that some sales person said I was entitled to and then another said that I was n't. All of this just drove me crazy so I gave up. I paid my phone bills and then just dropped XXXX since I had been with them for so long that I no longer had the initial contract with them. It is now and has been for a long time on my credit report under XXXX different companies and is bringing down my score. It is upsetting and I do n't know what to do anymore.