WillisBack/dataset-financial-user-claim huggingface dataset:
We had our mortgage thru XXXX XXXX XXXX and was paying {$1900.00} on XX/XX/XXXX our new statement went to {$1600.00}. In XX/XX/XXXX our mortgage was sold to Seneca Mortgage Servicing and payment remained the same {$1600.00} until XX/XX/XXXX we received a letter from Seneca Mortgage Servicing stating as of XX/XX/XXXX or payment was going to increase to {$2200.00}, unless we paid a shortage of {$4000.00} plus add PMI back on which would still have our payment go back up to {$1900.00}. We had no clue what was going on so we called Seneca Mortgage & they said there was a shortage on our escrow which they paid when they took over loan in XX/XX/XXXX, so we then called XXXX XXXX XXXX and they acted as if they had no clue as to why, then after several attempts to talk with someone concerning our loan they said there was a computer error back in XXXX that dropped our PMI and lowered our mortgage payment so for a year we paid what was in our statement each month from XXXX XXXX and also Seneca. In XX/XX/XXXX we paid Seneca the {$4000.00} plus took our mortgage payment from {$1600.00} to {$1900.00}. We was told by both mortgage companies there was nothing we could do nor was either willing to work with us on a problem on there behalf. Is there anything that can be done about this?
In early XX/XX/2018 I contacted XXXX to find out what the bill was for. They advised it is an XXXX XXXX XXXX Bill. Ive contacted XXXX XXXX XXXX several times because I was billed a cancellation fee when i still had services. In XX/XX/2018 I entered an agreement with XXXX to pay any debts associated it them and another company. XXXX has continued to call despite the arrangements.
I am in the process of purchasing a house for my family, and I see that I have two accounts in collection. They NEVER contacted me BEFORE passing this information on to my credit [ report ] they havent even sent me an account statement. I dont know what I owe this money for. Ive never even received telephone calls from them. 
I havent received any explanation about anything. They didnt give me any opportunity to verify the balances that they want to collect from me
On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX with XXXX XXXX. I was told I would be receiving my welcome packet in the mail from Chrysler Capital financial and my traded in vehicle a XXXX XXXX XXXX would be paid in full. Days and days went by with nothing in the mail and a late fee hitting my account for my XXXX XXXX that still was not paid off. I called XXXX XXXX who was less than helpful and was told that I should be receiving the welcome packet in the mail any day now and that my previous car loan could call them if they had any questions regarding my purchase however they will be receiving their check any day as well because the bank has all the paperwork at this point. Several more days went by and still no welcome packet in the mail and still my previous auto loan was not paid off as I am receiving daily phone calls from XXXX XXXX in reference to my loan being late. Several more days went by and I called for a third time on XXXX/XXXX/XXXX and after it was looked further into because the finance XXXX could not understand what was taking so long I was told I would be getting a phone call back by XXXX which never happened. I called again on Friday XXXX and was told the person who was working with me was scheduled off and could not speak with him until he returns to work. I called again on Monday XXXX/XXXX/XXXX and was told by XXXX XXXX who was back to work that his bank rep was still looking into the problem. At this point my temporary tag on my new vehicle is expired by three days and when I brought it up I was told just pay the ticket and you will be reimbursed. Then I received another email from XXXX XXXX on XXXX telling me that the problem was still being looked into and now I need to come back into the dealership and resign all new paperwork because my first contract was apparently lost somewhere and nobody can locate the original paperwork. Nobody ever reached out to XXXX XXXX my previous auto loan company to fill them in on what is going on and I am still receiving daily phone calls from them in reference to my payment being late. On Friday XXXX I went back to XXXX XXXX and had t resign a new contract which was dated XXXX and when asked about it they said it is supposed to be that way. I was told prior to leaving that since my first contract was lost somewhere this contract would be expedited through the process and my previous loan through XXXX XXXX would be paid off without a doubt by XXXX so that my payment with them does not reach 30 days past due which at that point makes my payment late and reported to the credit bureaus. I called again on XXXX and was unable to get a hold of anyone from finance. I asked to speak with XXXX XXXX who was off and XXXX XXXX who is another finance XXXX would not come to the phone to answer my questions. As of the time and date of this complaint I am still waiting for my welcome packet from Chrysler Capital, Still waiting for my registration and inspection which is now XXXX weeks expired, and still waiting for my previous auto loan through XXXX XXXX to be paid off which is going to be reported as a late payment to my credit.
steered into forbearance and deferment while accruing capitalized interest ; Navient failed to properly provide basic accounting counseling.
I purchased a jewelry item in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX, XXXX in XX/XX/XXXX, but Capital One posted it to my account on XX/XX/XXXX for an amount of {$2400.00}. As a result of this I lost US {$100.00} because of the conversion since the XXXX currency became stronger. When I called them to complain about it after noticing the transaction the first time in XXXX they said I should talk to the jeweler. The jeweler said that they had sent the transaction to Capital One immediately. When I called Capital One today I was told that they would do nothing to reimburse me for my loss in the conversion. I first talked to an agent who said he could not help. Then I asked for the manager and she was downright rude and unpleasant. I seek the help of CFPB for investigating this matter and recovering my compensation. 
Thank you.
During a dispute of the type of fee charged to my account Chase stated that they would credit back the {$10.00} fee as a courtesy ; however, later charged the fee back to my account. Their previous email did not indicate that the credit would be reversed dependent upon what occurred with the dispute. This appears to be a deceptive practice towards consumers.
Diaz and Associates, Inc called to my work and spoke to my imediate supervior saying that they needed to get in touch with me that I was being sued. I have n't recieved any calls from them to my personal phone so I do n't think its correct for them to be harrasing me at work.
LVNV FUNDING LLC seems to be on my reports it shows I owe {$130.00} for an account I have no knowledge off.LvnV IS ACTUALLY on my reports XXXX XXXX different accounts XXXX as lvnv XXXX as XXXX XXXX and various addresses for the collection company. 

I have no knowledge of this accounts I believe they are not mine.show me proof or anything because I have never heard of this. 
LVNV FUNDING XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXLVNV FUNDINGXXXX XXXX, XXXX XXXX XXXXXXXX different addresses across the country with same phone number I have tried XXXX address and numbers unsucessfuly
I had a Home Depot credit card through Citibank that was paid through a Chapter XXXX Bankruptcy. The bankruptcy was discharged in XXXX of 2017. The company now has my status as derogatory after it was satisfied in my bankruptcy.
My XXXX XXXX XXXX mother wanted to send money via Western Union to my daughter and myself for XXXX. 

Western Union charged her {$28.00} in transfer fees. 

She was not informed that Western Union has it 's own " Exchange Rate '' that is well below the going bank exchange rate. Western Union quoted me XXXX = XXXX while XXXX XXXX 's rate is XXXX. From the XXXX XXXX the quote was XXXX. These rates were quoted at the same time of day. 

The point is that my mother was not properly informed that Western Union intended to profit from the exchange rate.

The helpline which I contacted after my mother had sent the money at Western Union admitted that they have their " own rate '' that they intend to profit from.
I disputed a hard enquiry that was on my credit report ( Equifax, XXXX ), and I received a letter from XXXX XXXX saying that they had ask for the removal of the hard enquiry as the hard enquiry was made for TV service that I didn not authorize, but as of todays date, XX/XX/XXXX, it is still showing on my credit reports. I have a letter from XXXX XXXX that says they submitted the request back on XX/XX/XXXX. I am a victim of the data breach ( equifax ), back XXXX, 2017. I have a security freeze on my report. I want the credit bureau to honor the request to " REMOVE THE HARD ENQUIRY FROM THE CREDIT REPORTS AS IT LOWERS MY FICO SCORE ''. I DID NOT AUTHORIZE THE HARD ENQUIRY.
On XX/XX/XXXX12, XXXX XXXX, of The Law Offices of Nelson and Kennard, won a judgment against me in the amount of {$5300.00}. 

We took steps to borrow the money owed after we feared for my husband 's job, and on XX/XX/2012 we went to our bank, and sent them a wire transfer for the full amount - {$5300.00}. We have documented proof from XXXX XXXX that the transfer was completed, paying the judgment in full. 

We were instructed to call once that was complete. We did, and were informed that they would be in touch within a few days, and that we would soon have our Satisfaction of Judgement. And that it would be filed with the court, and removed from our credit. 

We have contacted them on several occasions, spoke with multiple people, left messages with superiors, and requested each time to be given a receipt, proof of payment, satisfaction of judgment, and to fulfill their end and their legal requirements. They promise to do so, but never actually do anything. 

After six years, this is still an issue. They have not acted. And we are unable to get a home loan because of it, and my credit still suffers because of it. This company seems very unconcerned with fulfilling their legal obligations, but are very quick to threaten and take advantage of people who are unaware of debt collection laws and procedures.
Opened an account with the first year annual fee waived. 

During that year, I canceled the account. 

No bills of any kind were ever received, either by mail or email. 

About a year and a half after the opening of the account, I received in the mail a notice that my email address was not functioning. 

I then went online and discovered that I had incurred an annual fee and that my card was still active. 

When I called to close my account, the representative kept me on the phone for 30 minutes trying to get me to keep it open. Multiple attempts to ask her to confirm that the account had been closed were responded to with sales-oriented questions such as " what is it that you like about your other cards '' ... as well as retention offers of statement credit if I kept the account online and spent a certain amount. I then told her I would hang up if she would not stop with those questions. She continued with those questions and refused to confirm that my account was closed. I hung up. 

I called the number once more, spoke to someone else, refusing to answer any questions ... and was told my account was closed. 

I currently do not know the status of the outstanding balance.
XXXX, I deposited a check initiated by my insurance company ( XXXX XXXX ) and which was drawn off of Chase Bank, deposited to a newly opened Chase Bank account solely because Chase would NOT CASH THEIR OWN CHECK despite verified funds on the account. The funds ( {$4500.00} ) which should 've been immediately became available and were posted to the account on XXXX subsequent to several phone calls to release the funds and after they were once again verified as paid by the financial institution ( Chase ). The funds were made available to my account on XXXX. I made several purchases and needed to contact the loss prevention department at Chase 3 times to get the account reactivated. None of these times did anyone inform me that it could be closed and I would not be able to receive my own money. 
On XXXX, I discovered that my account was restricted, went to the nearest branch and queried as to why I was unable to use my card or log in. They stated that the account was going to be closed in 10 business days and I would receive my funds in an additional 10 business days after that. The funds in the account are cash. The check has been verified by Chase Bank to be cleared and also verified as legitimate by the issuer ( XXXX XXXX XXXX ). 
I requested in considering the closure of the account, that I secure my funds now and in cash in the amount of {$2000.00} since the deposited check is as good as cash and that cash is rightfully mine. They denied my request and want to make me wait 20+ days to receive my funds, stating that there are pending transactions on the account ; however, these transactions are already debited from the account ; Chase just needs to post them. In other words the available balance is just that - what is available to me. There are NO CHECKS associated with the account, so there is no concern for outstanding checks. It is unfair not to release the funds that are liquid and carry no contingencies. I need them now as I purchased items to replace stolen goods for which I was issued the insurance check in the first place. I put a deposit and need the remaining {$2000.00} to complete my transaction to purchase a trailer. Not paying within 3 business days will consider me in breech of contract, I will lose my deposit as well as my trailer, which is where I intend to securely store several tools I just purchased ( again ) in conjunction with the insurance claim.
An illegal foreclosure has been started against my home, even though I was still in the modification redemption process. I will file a Chapter XXXX bankruptcy petition to stop this action if necessary, but under the amended Fair Debt Collection Practices Act of XXXX XXXX, 2014, I was protected of any ongoing actions for a foreclosure action until all modification remedies have been exhausted. Select Portfolio Servicing , Inc. has through their lawyers brought this foreclosure action against me, thus violating my rights under FDCPA.
Company keeps harassing me, calls me feom different numbers and like 20 calls from this company. I work and company calls me like 20 times and I can not work. They call people that I know to get information from me. They threaten me to sue me if I do n't pay but I told them I will pay
On XX/XX/XXXXI paid the full balance off My Jared Jewelry account in the amount {$430.00} at the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I received a notification that my account was 30 days past due and now have a 30 day delinquency on my credit report, this has dropped my credit score by 64 points. I contacted XXXX XXXX XXXX XXXX on XXXX XXXX to have this corrected. I was told the {$430.00} payment I made was applied to the wrong account. I was advised it would be correct with 24-48 hours, it wasn't. After weeks I re-contacted XXXX XXXX XXXX XXXX on XXXX XXXX and I was told by a supervisor nothing was done to have this issue correct from the last time i called on XXXX XXXX the funds are still in the wrong account and the Credit reporting agency have not been notified to remove this 30 day delinquency and report the account with a XXXX ( XXXX ) balance and current. I am in the middle of buying a home and this is putting my home loan approval at risk.
In 2005 I took out a HELOC with First Tennessee Bank/First Horizon. Last month I was shocked to see that my monthly payment increased XXXX times from the previous payment amount. If I would have known how much my adjusted payment would be I would have never applied for the loan. I do n't have the financial ability to pay it now or at the time the bank made me the loan. In fact, the bank never looked at my ability to pay or even ask about my income. Also, First Tennessee Bank has charged me a finance charge of 100 % of the newly adjusted payment when I could n't pay the new amount. I was never informed they could charge me a 100 % finance charge and I dispute this excessive amount. I would like to discuss a loan workout but First Tennessee does n't even provide a contact person 's name, e-mail or phone number on its statement.
On XXXX XXXX 2017 I learned that my personal information including my SSN may have been compromised by Equifax. This is absolutely ridiculous. They took 2 months to notify the public of this massive breach which affects half of Americans. They needt o be held accountable for their actions and inactions. They hold the most sensitive information for consumers and do not hold it securely or with integrity. They are only offering free credit monitoring for one year ( and only with opting out of a class action lawsuit ). Our SSNs and DOBs stay with us for over a year ... are we expected to continue paying for their mistake for the rest of our lives?
Once again, Citizens Bank uses creative manipulation of their timelines on my checking account to exact the maximum amount of overdraft fees, even when the account shows online that it is fine. I check my account first thing in the morning, midday and evening. I have copies of their creativity. As of right now they have charged me {$100.00} for 3 things, in which I do not know which ones it is. In addition I have made numerous cash and check deposits from my business, which to them is not on time even when it is the same day. I have complained to you before about them and they have returned some of my money, but not this time. I am seriously considering a class action suit, as I am sure there are many other customers in the same boat.
I was charged 13 months of interest payments in 2013 ( with XXXX interest charges applied XX/XX/2013 ). I recently found this issue when confirming the amount to pay off the mortgage. After discussions with at least XXXX people at Wells Fargo ( most of whom acknowledged the issue ), I was essentially told that it was 3 years ago and Wells Fargo was not going to do anything about it. My mortgage does not have a prepayment penalty so it 's not clear why prepaying the mortgage would result in an extra interest payment. Wells Fargo could also not explain why this issue occurred in XXXX, 2013 but none of the other months ( before or after XXXX 2013 ) when more than the minimum monthly payment was made. The extra month of interest that I was charged results in over a {$1100.00} increase to my current mortgage balance.
On XX/XX/XXXX a fraudulent check was deposited into my account through an ATM. On XX/XX/XXXX, XXXX withdrawls were made totaling {$1200.00} at the same time the check was deposited followed by a debit transaction for {$4700.00} made on XX/XX/XXXX. I filed a claim against these amounts and the fraudulent check. Subsequently I have had 2 claims denied, not been able to get in contact with the representative XXXX despite repeated messages and calling almost once a day. The claim was denied because he said that I gave out my PIN even though I did not, and let him know I had nothing to do with this and did not give out my PIN. I call Citibank almost every three days and they are unable to give me any information or help. The fraudulent check was for {$8900.00}. The bank did not contact me to verify, or even place the check on even a 24 hour hold nor does the signature remotely match my own. Had they not cashed this fake check without even the slightest due diligence these transactions would not have been able to occur. I tried to close the account the next week and was falsely told that I would not be able to. Subsequently my pay check and tax refund check were used in order to cover the loss. I have filed a police report which the XXXX police department said would take 3 weeks before I have a written report ( # XXXX ) Citibank has not been helpful at all in anyway. I am on my third dispute trying the receive the same money credited to my account and still unable to contact XXXX. I even called the Citibank fraud department and had the lady on the line try to reach XXXX, he did not answer her calls either. My first complaint was filed on XX/XX/XXXX, the second was filed XX/XX/XXXX and the third complaint was placed on XX/XX/XXXX, almost a month after the initial fraud occurred. I told every one whom I spoke with at Citi that I would fully help in prosecuting the culprits however Citi notified me that they would not even be checking the cameras to assist. I have done everything possible to help Citibank and all they have done is run me in circles and taken good money from me in order to cover the bad money they let go.
Equifax hack leaked my SSN, date of birth, and address. The company had an unacceptable level of security and over 100 million people got XXXX.
I sent a {$3000.00} check to InterFirst Mortgage Company on XXXX/XXXX/16. They " claimed '' they did not receive it until XXXX/XXXX/16 ( six days after I mailed it from a distance that I could drive to in less than 6 hours ). They applied only {$2400.00}. They mailed the additional {$540.00} to XXXX XXXX, who had purchased the loan. It was not applied to the principal until XXXX/XXXX/16.
Transunion continues to report inaccurate information on my credit file. For one, they fail to remove several address that I have asked to be removed from my report. My current address is XXXX XXXX XXXX XXXX GA XXXX and no other address should be on my report. 

They are reporting several public records that have not been verified to include, a Chapter XXXX Bankruptcy and XXXX released tax liens as well as credit account with XXXX. Once I disputed, they updated the information and/or records but failed to verify the information. 

Chapter XXXX Bankruptcy : If a proper verification was completed, Transunion would have known that the public records should be deleted due to verification purposes alone. The Bankruptcy has never been verified as they stated. This is due to the fact that my consumer file with XXXX, whom they claim they verified through, is frozen and thus could not have been. They falsely reported they did, closing my dispute in 10 days and not taking the entire 30 to complete as they should have. 

In regards to the tax liens, according to their own website " A satisfied tax lien remains on your file for up to 7 years ''. One lien was released XX/XX/XXXX ( showing to be deleted XX/XX/XXXX ) and the other was XX/XX/XXXX ( showing to be deleted XX/XX/XXXX ) these accounts should not be on my records for 10 years and should be deleted. 

Transunion continues to violate my rights by falsely reporting they have verified public record information when they in fact have not. I would like these deleted immediately as they are negatively affecting me as a consumer.
Sunrise Credit Services Inc called me stating I owed XXXX  {$34.00} dollars. They nevetr mailed me no letter or anything pertaining to the debt. I also have attach 4 US Certified letters to XXXX and proof since XX/XX/2018 XXXX, XXXX, XXXX, XXXX to the balance. I also filed a complaint with the Consumer financial protection bureau on several times which was forward to XXXX XXXX as well. XXXX was called and every time I was told some one would return a call in which they never did. There was several letters sent with no response from XXXX  to the balance or settling the debt.It was never but the run around with XXXX. 
Sunrise also told me on the phone that they did not have my address to mail a letter. If the account was sent over from XXXX they had the account number as well as the address and XXXX received letters about the debt as well on each letter the full address so there was no excuse for such a lie by Sunrise Credit Service