WillisBack/dataset-financial-user-claim huggingface dataset:
Specialized Loan Servicing ( SLS ) has once again threatened to purchase insurance on my behalf in the amount of {$89000.00}. which well exceeds the amount of my loan with SLS ( of which I owe less than {$20000.00} ). I have no other loans on my property and SLS has no right to purchase any insurance in my name. I sent ( Certified Mail ) and faxed SLS proof of the Discharge of Mortgage with the 1st mortgagee ( XXXX ) and therefore am not required to obtain more flood insurance than I owe SLS. I provided SLS with a copy of my XXXX flood insurance in XX/XX/2016. I have also requested that SLS provide the name of the " Investor '' in writing and have not yet received any response.
IndyMac/OneWest/XXXX and XXXX XXXX XXXX duplicated my credit status pertaining to the mortgage I had with IndyMac. The information submitted to the Credit Bureaus was duplicated. The same information was reported twice. One by IndyMac/OneWest/XXXX and the other by XXXX XXXX XXXX. This is incorrect reporting.
On my credit report there are 2 inquiries from XXXX XXXX that are unauthorized. I called XXXX and spoke with a representative and he took my information, did some research and called me back a couple days later. The 2 inquiries that are not mine are XX/XX/XXXX and XX/XX/XXXX. The specialist stated they do not have those dates on there end and I need to dispute them. I disputed them with CRA and they still remain on all three reports. These are to be removed immediately. I will not go another 30 days waiting. I have a recorded conversation from the XXXX  specialist saved on my phone. These are to be removed immediately!
During my last billing cycle for my Lowes store card my payment for the full balance ( {$250.00} ) was withdrawn from my bank account twice. When I first contacted the company about this issue on XX/XX/XXXX they refused to even begin processing processing a refund because according to their internal accounting system the second payment was still listed as " pending ''. I tried to explain to them that the money had already been electronically transferred out of my account and that their accounting system did not accurately reflect the current situation. Timing of the refund was important to me because I had several checks outstanding that would bounce if the funds were not returned promptly. Sadly they were unwilling to budge. Patiently I waited until their system showed my payment as completed on XX/XX/XXXX and called them back. Again I encountered stiff resistance to promptly issuing a refund. The person I spoke with initially that day, and then their supervisor, both claimed the only way they could issue a refund was via check which would take at least seven business days. The supervisor even went so far as to claim that it would be a violation of banking regulations ( a criminal act ) to issue a refund electronically using an ACH transfer. The only way they were willing to expedite the refund was if I sent them a letter from my bank ( on official letterhead ) showing that two payments had been withdrawn from my account. I still do n't understand why they would require proof directly from my bank after making me wait until their accounting system showed receipt of two payments. Nonetheless I offered to send  proof via email but they were only willing to accept a fax, which I do not have access to. Their insistence on communication via fax is perplexing because they are constantly trying to trick me into signing up for email only delivery of my statements via repetitive and confusing pop-up windows. I 'm truly frustrated by the refusal to promptly correct a simple mistake and issue me a refund. Even more troubling is someone in a supervisor position actively lying to me about federal regulations, which of and in itself may constitute a criminal act.
I purchased a home in XX/XX/XXXX. The mortgage was issued by Bank of America ( BoA ). I then opened a checking account with BoA because they offered their Advance Tiered Checking account to customers who had mortgages with them free of charge. the fee for this account is normally $ XXXX/month, unless you have either $ XXXX in the account or qualify for free checking through some other offer, such as having a mortgage with BoA. Several years later, I think in XX/XX/XXXX, BoA sold my mortgage to a third-party servicer. I did not want to be serviced by a third-party, but I have no control over what BoA does with the mortgage. Apparently, BoA issued a waiver at the time so that the {$25.00} fee would not be withdrawn from my account since I no longer had the qualifying mortgage for the checking account. I was not informed of said waiver. Fast forward to XX/XX/XXXX, BoA audits my account ( without telling me ) and cancels the waiver ( again without notifying me ) and promptly begins withdrawing {$25.00} from my account each month. I noticed this in XX/XX/XXXX after BoA had already taken {$100.00} in fees from my account. I complained to their customer service department but was told that they would only return {$25.00} and that basically I was out of luck and should switch accounts. Do NOT bank with BoA. They are crooks.
Please See Attached letter  and documentation regarding this complaint.. Complaint against Chase regarding changes made to HELOC Loan, Line of Credit , changing the payment amounts, principal and due dates. Chase Not sending an accounting or monthly statement or giv9ing us a good explanation. Not giving full disclosure  on the loan.
I have a debit card with my Bank of America bank account. 

On the XX/XX/XXXX, I was charged {$35.00} for a merchant called XXXX. Clearly, this seemed to be the dating website XXXX which I do not use, let alone pay for. I called the bank to dispute this and they said they will do so, but more than a month since then the charge has remained on my account. 

I cancelled my old debit card and received a new one with a new number. However, on the XX/XX/XXXX, I was again charged by the same merchant {$35.00} for a " RECURRING '' charge. 

I tried to call BoA but was constantly put on endless holds. I wish this can be resolved and prevented in the future. As a XXXX with limited amounts of money ( that I earn from campus jobs ), {$70.00} is half a week 's work.
I originally had XXXX XXXX as my student loan provider, but they were bought out by Navient. I never had issues with XXXX XXXX, but Navient has been one headache after another ... 
Ever since I used my savings account to pay a couple of my loans off, my account has been incredibly inconsistent. Even though I owed less, my monthly payment went up and I was bumped out of my income based repayment plan. I called numerous times to try to fix the situation since I was on automatic debit and I was not informed that my payments went up until they took more out of my account automatically. After speaking with someone, every month the issue was " resolved '', but it was never fixed. Someone finally had told me they would pause my payment for one month so I could get my finances back on track and that the next month my payments would automatically be coming out of my account again. This did n't happen, and I was actually taken OUT of automatic debit, so my interest rates lost the discount. I was so fed up with everything, I just used that motivation to pay the most I could each month to get my loans down. After doing this for about a year, I started realizing that the amount of interest they were taking out of my payments also was n't adding up. For example, I could pay {$200.00} and out of that payment, {$40.00} would go to interest, but if I made another payment 3 days later, they still put a large portion of it to go to interest. About a month ago, I realized that the interest rates they were using on my accounts were also incorrect. My interest rates are fixed, but they were charging me a variable interest rate. After dreading calling them, I finally did, and they had an " investigator '' look into my account. Turns out they " fixed '' my account, but all they did was finagle the numbers to make it look like a fixed amount was coming out of my payment for interest every month, but that was n't the case! I have no access now to the real numbers beforehand, and I still owe the same amount! It is absolutely ridiculous! For some payments when I payed {$20.00} in interest for example, the numbers when they " fixed '' my account make it look like only {$9.00} was taken out of my payment in interest. I just know something is seriously wrong and has been for awhile with my account and it 's very frustrating! The more people I talk to at Navient, the more inconsistent information and answers I get. I just want to feel like I am being treated fairly with my loans and that my hardworking money and my payments are being allocated correctly. I would like to get a copy of my payments before they " fixed '' the interest to compare the numbers from before to the numbers now.
I am in the process of paying this debt collector the amount owed, and I am using the online payment system to minimize communication with them. Their website ( XXXX ) allows you to make payments, no matter what date you choose to make your payment it will be drawn on the day you go to the website and make payment. For example, last month I scheduled the payment for XXXX/XXXX/2016 and I processed the information for the payment on XXXX/XXXX/2016, the payment was drawn out of my bank account on XXXX/XXXX/2016. I have the printout of the information that I submitted for the payment and it clearly indicates XXXX/XXXX/2016 for the payment date. This is deemed as a deceptive and false payment practice of Northstar Location Services and should be investigated, ASAP.
I have a loan from RISE credit. I have paid {$4600.00} in 10 months and they have only applied {$580.00} towards the principal balance so far. This feels like XXXX to me. Please help! thanks
RE : US Bank. 
In XX/XX/XXXX US Bank was notified via email ( with attached digitized receipt ) and via phone that our property taxes had been paid. 

We were supposed to receive the refund in XX/XX/XXXX. 

Instead US Bank paid the taxes a second time, which is negligent! 

We have been waiting 10 weeks and have not received our refund of the prepaid taxes as yet. 

Please use your influence to get them to act, or else, I guess the next step is small claims court.
This dispute concerns my Paid Collection Account [ XXXX, XXXX ] on my Transunion Credit Report file ; The original creditor for this collection account is XXXX XXXX XXXX XXXX. It is my understanding that a Collection Account ( Potentially Negative Account ) is deleted from a credit report file 7 years from the date of 1st delinquency with the original creditor [ XXXX XXXX XXXX XXXX ]. My Transunion Credit Report File only shows the date that XXXX, XXXX received the XXXX XXXX XXXX XXXX account for collection, which was XXXX XXXX. The date of 1st delinquency with XXXX XXXX XXXX mobility should be reported as XXXX XXXX, not XXXX XXXX. I have disputed the accuracy/inaccuracies of this collection account with Transunion, but they apparently will not conduct a thorough investigation which should include contacting XXXX XXXX XXXX XXXX.
I did not solicit this company for their business BMO HARRIS BANK XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017
XX/XX/XXXX my mother ( XXXX and XXXX ) refinanced the mortgage the house through XXXX. This was sold to her by an aggressive mortgage broker using a interest only negative amortization loan, which I advised her not to due, because these were bad products. 
XX/XX/XXXX, I took title to the property and to refinance the loan. The bank ( now XXXX XXXX XXXX ) then started to return the Mortgage checks. I was then subject to foreclosure proceedings. In the midst of the mortgage market implosion. 
Them HAMP was made law and I met with a representative of XXXX and supplied them with all of the info that was required for a Loan Modification. When I called them back they never responded. I then received a letter offering HAMP and I faxed the info to the XXXX Office in XXXX, following up with them they advised they lost all of my paperwork. I was then advised by XXXX to send the package to their XXXX office which I did and followed up. But it was again lost. 
I was then served with Foreclosure papers that were fabricated by a foreclosure mill in XXXX and filed in the XXXX County XXXX Court, via an Attorney how was sued in XXXX County for filing false paperwork and was forced to cease operations. I now was being " Double Tracked, '' The interest and fees were increasing, they added on late fees and Forced Placed Homeowner 's insurance. 
Then everything went silent, as XXXX sold the Mortgage to Select Portfolio Services based in XXXX. Oddly enough the attorney group that was shut down earlier, then restarted their operation under a different name, XXXX XXXX XXXX. Literally the same guys. 
I have filed Mortgage Modification papers with SPS on 4 different occasions. Each time they ask for additional information and it is supplied. We have had at least a half dozen meetings ( Follow up Conferences as directed by the court ). 
This brings us to the end. I now have 45 days before the Stay on foreclosure will be lifted and the foreclosure will proceed.
This is my second complaint on this issue. Please see case # XXXX. My original complaint was because I was not able to get an answers from Amex about the reward points that were in my account. I was told my account was locked for review but no one explained why. 
Amex responded to that complaint with a letter stating that my account was under a standard review and that the points would be available XXXX-8 weeks form the date the spend was met which was XXXX XXXX. That date was in their letter. 8 weeks ended on XXXX XXXX and the points are still not available. I have spoken to numerous people in customer service and membership rewards ( XXXX ) and noone knows why my account is still under review and they state they are unable to connect me with anyone who can help. Today I was told I needed to talk to someone at corporate and " that I would need to figure that out on my own. '' Seriously? This is what Amex calls customer service for a platinum card? I am still waiting for the call back that I requested 2 weeks ago. I am trying to book a trip on XXXX XXXX in XXXX class on a promotion they have now for XXXX points to go visit my son in XXXX. That promotion ends today. I have spoken to over XXXX people in the past 3 days trying to get this resolved and have gotten nowhere. I am beyond frustrated and seriously disappointed with the lack of help from XXXX XXXX Amex.
Victim of fraud - criminal has been prosecuted and is serving a sentence for this crime. Even upon submission of supporting documentation credit reporting agency refuses to delete the incorrect negative information
On Sunday XX/XX/XXXX I opened an envelope to find an Amazon.com Chase Visa credit card. A card for which I never applied for, never authorized nor did I want.
Hi Cfpb, I noticed inquiries on my credit report that I am not familiar with. I was a victim of the XXXX inquiry issue. I spoke with XXXX and they are not helping at all. I know for a fact that no one has my SSN or personal information. I had over an XXXX credit score all my life and would like these inquiries removed since I do n't recognize them. 

Best Regards, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank 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  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
We have a court ordered 6 year 3 % annum payment schedule via a chapter XXXX financial restructure settlement case # XXXX doc # XXXX file date XXXX/XXXX/XXXX. we have pain well over {$50000.00} on a {$21000.00} consolidated loan in XXXX and have a remaining balance over {$21000.00}. Nelnet has again increased interest rates to 8 % and not per annum They claim no knowledge of settlement. In XXXX we have the same problem with nelnet who refused to work with us and told us to hire a lawyer until we filed a complaint with the attorney general and CFBP case number XXXX. After the official complaints being filed, then Nenet ( and other student loan companies who we filed against than and are filing against again today ) contacted us and corrected all discrepancies and refunded ill-gotten gains. we requested an independant accounting agency to review all financial dealings at that time as well as an independant investigation into Nelnet banking practices however neither was done to the best of my knowledge. In addition to the complaints filed with CFBP today, I filed another complaint with the attorney general and contacted XXXX financial correspondent XXXX and requested an investigation into the student loan banking practice of Nelnet and the other student loan companies due to the repetitive financial discrepancies indicating significant incompetencies in their banking practice or demonstration of their illegal banking behavior.
In XX/XX/XXXX there was a private school loan through XXXX XXXX XXXX.It was sold to XXXX XXXX. Last year I had discovered XXXX XXXX had reported this on my credit, and my husbands credit.These 4 accounts are in a charged off status/collection. XXXX XXXX hired this debt collector, Weltman, Weinberg and Reis- who does not own this debt, but trying to collect for PNC bank. It is even being reported we made payments on all 4 XXXX accounts in XXXX and XX/XX/XXXX, which we did not. Additionally, we have bank statements from our credit union reflecting this. WWR sent my husband and I a statement for 2 accounts on XX/XX/XXXX. Before we could dispute this, they reported over {$33000.00} on our XXXX credit report on behalf of Weltman, Weinburg and Reis Co., LPA on XX/XX/XXXX. Weltman, Weinburg and Reis are reporting this account however was opened in XX/XX/XXXX. Without letting us know or giving us the 30 days to dispute this. Again, we were not made aware this was going to be reported on our credit report. We have disputed this through XXXX and have been told that XXXX initiated another dispute XX/XX/XXXX with the recommendation that WWR has double reported these debts and it should be deleted because the current creditor XXXX XXXX has reported this on my husband and I 's credit report. On XX/XX/XXXX we received another statement for one of the four accounts in another amount of {$8400.00}. We sent a certified letter asking for debt validation. The Florida Attorney General, The Ohio Attorney General, and the Florida office of Financial Regulation has been contacted about this as well and investigating the double reporting, the lack of notice about putting this on our credit report and the falsifying of payments made in XX/XX/XXXX by XXXX XXXX. We are also working closely with our attorney on these matters.
I have been making monthly payments on my mortgage of XXXX since XX/XX/XXXX. Carrington Mortgage took over my loan in XX/XX/XXXX. I advised them in writing that I would be sending payments by automatic deductions from my XXXX   account. I sent a combined payment thru XXXX  for a total of {$1100.00} on XX/XX/XXXX and XX/XX/XXXX ( I entered the wrong amount for XX/XX/XXXX payment and send a letter stating why the second payment ). Payment thru XXXX of {$1100.00} was sent on XX/XX/XXXX ; the XXXX XXXX payment was made on XXXX due to pay schedule. However the XXXX payment on XXXX was sent back to my XXXX  account on XX/XX/XXXX. In the meantime I received a monthly mortgage statement from Carrington that {$7100.00} was due on XXXX. According to the delinquency record on back page of that ; only one payment on XX/XX/XXXX was received. Then I got an intent for foreclosure letter dated XXXX stating I needed {$23000.00} to cure the default. This makes no sense since I am trying to make payments. The next payment from my XXXX  account to Carrington is today, XX/XX/XXXX. All the XXXX   transitions are documented. It appears to me the Carrington is deliberately trying to take my home. I am concerned about this. I did not know where else to turn.
I left XXXX to join XXXX and the account stopped around XXXX XXXX. XXXX claims that I owe more than just one months payment. I left the country around a few days after my acccount was closed with tmobile. Now I have three different amounts of money that I owe the collection agency when XXXX never contacted me about the final bill. At the same time I had to wait for XXXX to handle the phone fees and that took much longer than anticipated. The amounts are : {$420.00} {$480.00} {$520.00}
On XX/XX/2017 I printed out the Discover Card promotion, 0 % interest 18 months and spoke to the sales department at Discover Card, agent XXXX, ID # XXXX. XXXX   confirmed the promotion and that I qualified for the promotion, confirmed my already opened account which made the balance transfer I intended to complete easier to complete. He also said, " Its a good thing you are doing this today as the promotion ends tomorrow. '' We completed the transfer and he said I would receive a confirmation in 7-10 days. 
When the confirmation arrived, it was not the above promotion but a 4.99 % balance transfer promotion. I called and asked why I was given the wrong promotion and was told I did n't qualify as I am not a new customer. I would not have made the transfer if I did not quality for the 18 months promotion and by now the money had been transfered. 

I spoke to at least four people up the ladder who all said they would listen to the recording and get back to me. No one ever got back to me. I had to call back each time but each time I was told the same thing, " I listened to the tape and you did n't qualify for the promotion. '' I asked for them to play the recording for me as I know that if they listened to conversation they would have heard the comment XXXX made quoted above. Each time they told me the recording is proprietary and they did not need to play it for me. 

My concern is that they will delete this quote by the agent XXXX so if you would not give them XXXX 's name and ID up front but wait for their reply before revealing who the agent is.
I was a XXXX. My care for the procedure is the responsibility of the recipients insurance. XXXX XXXX XXXX errored in filing the insurance claim against my insurance. They have refused to correct the insurance filing. XXXX XXXX XXXX, XXXX XXXX paid the errant claim. Neither XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX, XXXX XXXX will / has assisted to get the claim corrected. I have continued to challenge this billing for more than 2 years with no resolution. The account has been referred to XXXX ( bill collection ). I need some assistance mediating the claim. XXXX XXXX XXXX will not intervene or confirm that my XXXX XXXX XXXX care is the responsibility of the XXXX recipient. XXXX XXXX XXXX, XXXX XXXX ca n't know that the claim filed is improper. Visiting Nurse has not acknowledged that my care was part of a living organ donation and asserts the claim was filed appropriately. I am in the middle of XXXX parties who basically are turning their backs on me and not participating in a resolution.
I do not recognize what CCI contract callers Inc. Is saying I owe. 
I contacted the company that they supposedly are collecting for and they had no record of it either
On XX/XX/2018 XXXX XXXX allowed XXXX via XXXX pull a hard inquiry on me with out my authorization. I never even inquired for credit through XXXX There will NOT be a recorded line of any conversation with me. This is fraudulent and need this to be removed immediately from my report as it is damaging my credit. I have contacted XXXX by cerified letter 45 days ago and have not received a response. Please help.