WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/16 my son had dental work performed by XXXX XXXX XXXX XXXX XXXX. We were told we owed a substantial amount of money prior to his procedure. So I withdrew the money from my 401K. Paid a large fee for early withdrawal, and paid taxes on the money we withdrew to pay XXXX for his services. This money was paid to them directly. Then during a follow up visit, I was told by the receptionist that we had a large credit on our account of {$1200.00} and would be getting a refund check due to us overpaying. I could only assume it was because we carry double dental coverage. We did receive the check a couple of weeks later and decided that since we had already paid the penalty fees and taxes for early withdrawal, then we would apply that money to other medical debts. Then we received a letter from XXXX stating they refunded in error and that they now wanted the money back. They had ample time to review this. I did not ask for money back, I never asked for a refund, they told me that we were due the refund because I overpaid them. We can not take another withdrawal from our 401K. We can not afford to pay more taxes and early withdrawal penalties either. This was their error, not mine therefore I should not be penalized for their terrible bookkeeping practices.
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX with XXXX and 30 days late as of XX/XX/XXXX with XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Hello, My Bankruptcy included my home in XXXX WI that is now serviced by XXXX. My Bankruptcy was discharged in 2015 and has always shown as discharged under bankruptcy however they are now reporting that I owe and the account it open showing amount due, days late etc. I never reaffirmed the loan and under the Fair Credit Reporting Act they are falsely reporting and this is a legal liability on XXXXXXXX XXXX part. I appreciate your assistance as this is causing a serious issue for me with my credit that I have worked so hard to rebuild since the losses of divorce and bankruptcy. I was on hold with XXXX over two hours and they did not take my call.
I RECEIVED A LETTER FROM THE XXXX COUNTY SHERIFF OFFICE DATED XXXX XXXX, 2016, ( XXXX NC ) PORTFOLIO RECOVERY ASSOCIATES LLC. FILE A JUDGMENT EXECUTION AGAINST ME XXXX. THE AMOUNT OF {$2000.00}, WITH ADDITIONAL FEES OF INTEREST AND SHERIFF FEES TO THIS AMOUNT, THEY ARE GIVING ME UNTIL XXXX XXXX 2016 TO BRING OR SEND FUNDS THE SHERIFF OFFICE. THEY ARE THREATEN TO WITHOUT DELAY TO SELL ANY PERSONAL OR REAL PROPERTY I MAY HAVE WHICH IS SUBJECT TO EXECUTION. THE DEPUTY NAME IN THIS LETTER IS DEPUTY XXXX
I had a car loan with Wells Fargo Dealer Services. The car was in acar accident and I was told by my insurance company the loanwould be paid off. I was also in the process of moving. I nevercontacted Wells Fargo to give them my new address becauseI was under the assumption that the loan was paid off. Wells FargoDealer Services sent me a XXXX letter dated XXXX 2012So I could purchase my current car. I disputed this with Wells Fargoas well as XXXX for reporting this inaccurate. XXXX changedthe dates several times. Please see attached. Wells Fargo is tryingto say they faxed a copy of the XXXX letter with the wrong datethis is not true. I found the letter they mailed me back then. I con-tacted Wells Fargo and spoke to XXXX XXXX who not only signedthe XXXX letter but said Wells Fargo sent out a letter via mail thatthe insurance did not payoff the loan in full and I was responsible for thedeductible. She verified that the mail came back undeliverable so thenthe began calling me. When they contact me I did make the paymentover the phone. My rights are being violated on a few levels. On XXXX level this has been repeatedly updated with the dates changing several times by the furnisher andthe credit reporting agency. Section XXXX states that the respons-ibilities of the furnishers of information to consumer reportingagencies. subtitle a reporting information with actual knowledgeof errors is against the law. Also after it is confirmed that this is anerror and still reporting it is illegal.
I FELL BEHIND PAYING MY MORTGAGE XX/XX/2016, I HIRED THIS ATTORNEY IN XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX. THE MORTG. SERVICER IS SLS OF XXXX XXXX XXXX. XXXX COLORADO.THIS COMPANY HAS NOT SENT ME ANY MORTGAGE STATEMENTS AFTER XX/XX/2016, THEY FORGED A ROBO-SIGNATURE ON ALL THERE DOCS TO MY ATTORNEY AND MY SIGNATURE ON PAPERWORK THEY SENT TO MY ATTORNEY IS NOT MINE. ALSO THEY REFUSE TO SETTLE OR GIVE ME A MORTG MOTIFY, BECAUSE OF MY AGE/XXXX, AND THEY ARE DRAGGING THIS OUT ADJORNING THIS CASE AS A RETALIATION AND CAUSING MY DEFAULT TO MY MORTGAGE SIGNIFICANTLY SO I COULD NEVER PAY THE ARRERS OF MY DEFAULT AND FORCE ME TO CLAIM A CHAPTER XXXX BANKRUPTCY.
I have a loan with NationStar Bank. I have requested a pay off amount for my loan for a refinance on XXXX/XXXX/2016. I was promised a 24-48 hours processing time. After 48 hours I have not received the pay off yet so I called them and they send it to me for the wrong date. I called them again and they are telling me it will be another three days. The people speak with a heavy accent are hard to understand.
On XX/XX/XXXX, I ordered a cell phone from XXXX for {$990.00} + tax with my World Mastercard from Chase. 

I received the cell phone a few days later as promised from XXXX. 

Order number XXXX On XX/XX/XXXX, I saw an ad where XXXX lowered the price of the same cell phone by {$150.00}. 

On XX/XX/XXXX, I opened a claim with Chase Benefits asking for Price Protection for this event ( Page 21 of their Guide to Benefits ). The Chase Benefits representative has accepted the claim, confirmed my card had the stated benefits and told me it would be a few days and Chase Benefits would contact me. 

Contact with me was made as promised and they asked for another 5 days. 
This request for more time has repeated itself again, without any explanation of why they need this length of time to verify a straight forward claim. 

I have copies of the orignial price, new price, credit card statements and Guide to Benefits.
To Whom It May Concern : I have three student loans with XXXX that have been PAID IN FULL in 2007. I contacted XXXX and they confirmed that my accounts are NOT IN DEFAULTS NOR DELIQUENT since they have already been paid 10 years ago. TRANS UNION is still listing the 3 accounts as delinquent. I disputed the incorrect reporting twice and Trans Union lied when they came back stating that the Accounts were verified.
This is causing major issues to my credit file and financial affairs. I need help getting this issue resolved.
Sincerely, XXXX
XXXX XXXX XXXX XXXX, XXXX, on behalf of Capital One Bank ( USA ). 
Since XX/XX/XXXX, the above collection company have constantly called me, with an attempt to collect a debt in the amount of {$4000.00}, ( after I asked them not to call anymore and that the debt does n't belong to me it belongs to the corporation inwhich I once worked ), they have mailed me numerous letters, I received the last letter XX/XX/XXXX ( after I asked them not to contact me anymore ) and they have damaged my credit report with all three credit agencies, because of this derogatory mark on my credit report, I have had a very difficult time trying to obtain US Veteran housing. 

I have repeatedly told this collection company that " this debt is not mine and to please remove this negative remark from my credit report, ( inwhich I have never given access permission ). I have repeatedly told and written letters to this collection agency stating that this debt belongs to XXXX XXXX XXXX XXXX a company credit card inwhich was I used under the corporation 's name and was not and is not responsible for debt or repayment. The corporation since then has dissolved. Please ressolve this matter. 

Thank you
XXXX Purpose : Please give me my interest XXXX points. 

My PREFERRED credit card was closed on XX/XX/XXXX by Citibank, but my interest was XXXX points after negotiations they refused to give me, now asking CFPB to help solve. 

I 'm sorry I do not speak XXXX too, I need XXXX help Above from : XXXX XXXX
I am writing to ask you to STOP it with all the harassing to calls to myself, my employer ( which can and will get me fired ), and to any and all family members near and far. I have been receiving multiple calls daily, as well as, have people in my husband 's family, my dad 's family in which we are estranged from, co-workers, and my elderly grandparents. The caller, XXXX on some occasions, has not only violated my rights by telling third parties about my debt, but has also been telling straight out lies to those other people she has been calling, saying that I gave her that number to contact me with. That is just illegal. If these calls to myself and others do not stop ASAP, I will be getting an attorney and filing charges against your company. I will be mailing your company a hard copy of this letter. I hope that the next time I hear from you guys, it will be to tell me that you will stop calling.
On XXXX-XXXX-17 I faxed a cease and desist letter to security credit services @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against security credit services. I requested that ability security credit services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from security credit services and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.
I am a victim of identity theft there are alot of Account and inquires on my creditfile that are not mines or either have my name but different social security attached to it that still are not mine. I have submitted documentation and called and still no help. I have plenty of inquiry month after month with some of these compnt i have no idea about. Im just trying to get them removed. I have sent the same documents to all XXXX reporting agencies.
Equifax and XXXX are refusing to verify 3 debt accounts on my report. I have sent 3 previous requests,XX/XX/XXXX was the first, XX/XX/XXXX was the second,XX/XX/XXXX was the 3rd, and today will be my fourth request. They have not sent me any documents showing my signature on a contract with these debt companies, or a picture ID, or anything with regards to the results of there investigation, as prescribed by section 609 and 611 of the FCRA section. I plan on taking legal action if this continues to not be corrected. In addition there are 3 collections listed where the original debt is over 4 years and close to the old term of seven years.
I pulled my credit report on XX/XX/XXXX. I found several errors and items I disagree with. I proceeded to contacXXXX XXXX   Experian, and XXXX in writing about these issues in an effort to get them corrected and removed. On XX/XX/XXXX I mailed a written notice to XXXX, XXXX and XXXX. The following items were not properly investigated, in my opinion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I mailed another letter to XXXX Experian and XXXX requesting a re-investigation be done as I believe strongly that if they actually investigated this account, it wouldn't have been able to be verified. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX for which they did not properly investigate the account either. XXXX XXXX continued to refer to the account as an auto loan when there was no advancement of article or monies ; just as well the agreement states it to be a credit sale in accordance to the retail sales contract. 

I then contacted XXXX XXXXXX/XX/XXXX when they supposedly investigated the account yet deemed it as reporting correctly and then again on XX/XX/XXXX when I noticed more errors regarding account XXXX which I never agreed to. The transaction history shows a new account was open on XX/XX/XXXX although it reporting to XXXX  as being opened XX/XX/XXXX. XXXX claims their reporting to be correct yet have not provided an agreement for the alleged account number XXXX nor will they correct or remove their incorrect reporting. 

XXXX has also failed to mark these accounts as in dispute as required by FCRA.
I have been attempting to resolve these concerns with Fay Servicing , LLC since transfer of my mortgage XX/XX/XXXX, while in the midst of a modification with the prior Servicer. The transfer of the loan changed the terms from XXXX XXXX  ( since the loan inception in XX/XX/XXXX ) to non-XXXX XXXX, limiting my consumer protections and thus substantially altering the terms of my loan. Despite the completion of the TPPs, Fay immediately began making demands for escalating amounts of monthly payments ; significantly altered the terms of the modification ( while telling us for a year that Fay was obligated to honor the terms of the prior Servicer ) ; lied to XXXX escalation dept stating the mod was HAMP Tier 1 ; lied to CFPB stating the terms of Fay 's mod was more favorable than that of the prior Servicer ; Fay backdated documents and NEVER executed the contracts or returned fully executed documents to me ; refused to provide an accounting of alleged principal error ( and now denying principal error despite the legal dept stating this in response to CFPB ) ; application of tens of thousands of dollars of " misc fees '' including several $ 14K fees ; misappropriation of payments ; demands for arbitrary payments ( altering the monthly demand from {$1300.00} to {$2000.00}, and changing the principal from approx $ 316K to more than $ $ 400K ) ; failure to apply full payments to alleged " suspense funds '' ; dual tracking the loan while payments were current and informing me to " just ignore '' these dunning legal notices ; refusing to honor a year of promises that all payments, credits, and fees would be correctly applied after Fay completed its acct assessment ; refusing to put any information in writing ( including specifically refusing to answer questions we were instructed to put in writing ) - a behavior that is noted on the CFPB site, the RI Atty Genl 's website, and those of other consumer advocacy agencies to be of high concern for fraud. In addition Fay 's deceptive and duplicitous financial dealings, their arbitrary and capricious misapplication of funds and fees, and wreaking havoc with my mortgage and stressors during a time of medical crises, Fay has also utilized harassment and bullying tactics to dual track my account, and to discriminate against us for XXXX and the use of XXXX funds. 
Despite the CFPB 's Consent Order against Fay in XX/XX/XXXX, Fay has ceaselessly continued its abusive and coercive tactics. Fay continues to mislead the consumer, dual track my acct, apply exorbitant fees without explanation, extort monies I can not afford, continually threaten default and foreclosure, discriminate against us based on XXXX and the use of XXXX funds, and REFUSED a $ XXXX Hardest Hit Funds award that I was granted ( after initially accepting ) and that would have assisted significantly in making payments affordable and thus avoiding foreclosure. 
-- PLEASE SEE ATTACHED MORE EXTENSIVE EXPLANATION
Transunion stands alone in verifying XXXX ACCT XXXX, A PAID COLLECTION.TRANSUNION VIOLATES FCRA IN ACCURACY OF THE AMOUNT PAID, $ XXXX.THEIR CLIENT, XXXX has violated the XXXX FDCPA of CALIFORNIA in misrepresentation in the course of collecting a debt to collect an illegal service fee of XXXX dollars.IN CALIFORNIA I AM ENTITLED TO DAMAGES from the bureau as well as the collector for XXXX.in addition the attorney general can prosecute criminally. 
I have enclosed the excerpts from the statute as well as the Bureau of Consumer Affairs summary of the CA statute.Transunion aids and abets XXXX with what could be a Rico Act violation in collection of debts changing the amount of legal damages that could be paid to me.
In acquiring a second mortgage loan on a New Jersey shore condo, I sought out Bank of America, as I have had prior mortgages and accounts with them. Although the process seemed to drag at times, due to the loan officers unresponsiveness, the closing date was approaching fast. The week before closing, I received an email from the loan officer, NMLS ID XXXX, stating that the condo was non-warrantable. This was after I paid for the appraiser to assess the condo. After receiving the email, I responded back as well as followed up with numerous phone calls, which went unanswered. He finally reached out 6 days after sending me the notice. At times during the process, I wondered if he knew what he was doing based on the lack of communication, days of no response from voice mails/ emails, asking for information already sent and having me pay for an appraisal without even checking if a loan can even be obtained for the condo. I had asked to deal with his manager, in which was not contacted by one, and my continually request for a refund or appraisal reassignment is going nowhere.
My Mortgage became arrear in XX/XX/XXXXof y sent me an reinstatement notice stating that if you with Ocwen financial, In late XX/XX/XXXXof this year they sent me an letter stating that if you pay this amount by XXXX XXXX 2017 that they woukd reinstate my loan, which I did, Approximately ten days later I receive a letter stating that my XXXX XXXX quick collect would be returned and citing no reason.I called their customer service and they stated that the amount was incorrect and that is why it was being returned, I stated that I had received the letter and even acknowledged it, also I had called before making the XXXX XXXX payment and, by their customer service yes to make the payment, which I did .Later I contacted their Consumer Ombudsman and was promised some resolution and an answer which I never did.Later I was advised once again by their Customer Service agent to file a new Modification which I have and still waiting for a response.Throughout the whole process the customer service agents have been most polite and responsive.PleASE HELP AS i AM A SINGLE FATHER WITH XXXX  CHILDREN WHO ARE XXXX AND NEED YOUR INTERVENTION.They need to approve the new modification so we can keep our home, Thank Yound XXXX Bless! XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX loan # XXXX
I have contacted Navient via telephone regarding co-signed loans requesting information to be sent in writing showing the amount of the loan ( s ), distributions, date of all transactions ( payments credits, fees, interest ). I informed Navient that i just started receving notices about the loans in the last few months, nothing prior. Also that one of the loans was fully paid in XXXX 2013. I have also requested information for a release of this co-signed loan and the status of the application.on the second student loan. 
Navient will not provide the requested information in writing and has ignored all my requests. Previously Navient filed false and inaccurate information with credit bureaus which has caused me financial harm. Navient stated they investigated my complaint saying the false statements were accurate even after I sent proof of their false statements to both Navient & CFPB. No further action was taken on my behalf by either Navient or the CFPB
Citicards has violated 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 file dispute regarding this company in XXXX XXXX and at that time Midwest Recovery was claiming I had XXXX accounts with them on or about XXXX XXXX, XXXX both were deleted from my credits reports ; now they have place another fraudulent account on my credit report. How can this company keep placing fraudulent accounts on my report? Ca n't they be STOP! I do n't know who this company is and who they so call represent. This is not my bill or my debt. PLEASE HELP ME AND STOP WITH THIS CRAZINESS.
On XX/XX/XXXX our house was heavily damaged by Hurricane Irma. We contacted our mortgage company Wells Fargo and we were told that due to the fact that we were in a disaster area, we could defer payments for up to three months with no fees or damage to our credit score and that any payments we missed would simply be tacked on to the end of our mortgage. 

We had damage in excess of {$40000.00} and insurance only covered {$14000.00} of it so the rest was out of our own pocket. With Wells Fargo 's blessings, we then skipped XXXX and XXXX 's payment and resumed our payments on XX/XX/XXXX. We only took two month of deferred payments instead of the three Wells Fargo offered. 

In XXXX we were again told that our loan modification had been approved and that we would have the two mortgage payments we missed tacked on to the end of our loan. 

Every couple of weeks we get notices from Wells Fargo 's Home Preservation Department and we call them to find out why our loan has not been modified yet. They have repeatedly told us that we need not worry, that our modification would go into effect XX/XX/XXXX. 

Our loan still has not been modified. We have gone through five different representatives assigned to us by Wells Fargo and each one promises us it will be taken care of and then it isn't. 

The newest one is now telling us that no, they are not going to live up to their prior promises, that adding the payments to the end of the mortgage is not on the table. They have sent up a massive package if information demanding bank statements, pay stubs, tax returns, and lots of personal information. They have sent this to us six times, and each of the prior times, they told us not to worry about it when we called to ask why we needed to fill out the paperwork.

The representative now assigned to us never picks up the phone and her voice mail is full to the point that we can not leave a message for her.
My husband and I went through the miles program to finance a vehicle in XX/XX/XXXX. My husband is active duty XXXX We went on paying through our military allotment for over a year. XXXX day it was shut off with no notice at all while my husband was XXXX. Next thing you know, we are XXXX payments past do and up for repossession. I called them asking what this was about and they said they no longer do payment to through mypay. I was n't able to catch up. We have XXXX children and there was no way we can pay all of that up front. We started paying as much as we could but no matter how much we payed, they would take off and continue to put on the repossession status. To this day, we are still behind on these payments to but we took our vehicle in to see the worth and they had over charged us for this vehicle to start. Adding on all these random fees. We need help and I do n't know who to go to. We paid for a XXXX Kia Sedona in XX/XX/XXXX with the miles program and it was set at XXXX XXXX. We are still paying to this day and it 's still around XXXX XXXX we owe.
The XXXX XXXX XXXX XXXX XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX XXXX XXXX.