WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of the West was asked to submit an itemization concerning the breakdown of figures for a mortgage Reinstatement and it was discovered that payments in the amount of {$5300.00} had not been properly credited. Additionally, the P & I payment was {$760.00}, representing an overpayment from XXXX, 2006 of {$490.00}. 
I was previously provided statements from XXXX, XXXX XXXX showing that the legal fees charged back to me were incurred after BOW continued to accept my monthly payments. This is in direct violation of Nebraska statutes regarding the acceptance of mortgage payments after default. These fees are not legitimate or collectible in the amount of {$1500.00}. 
The appraiser called me and said that he must have access to the inside of the property for an appraisal for BOW. I informed him that the mortgage was being reinstated and that he was specifically denied access to the inside or the outside. The appraisal fee in the amount of {$370.00} is fraudulent. 
In addition, BOW forced an insurance policy on the roperty where there was already XXXX in place charging {$1400.00} for it increasing my claim to {$9100.00}. 
BOW previously provided figures to this agency in a related complaint none of which included the return of overpayments collected by them and the records further provided by them proves they did not. 
BOW has now, subsequent to the previous reporting against them, charged {$230.00} in junk fees to my personal account. Note that after a check was paid, the balance was positive XXXX. This is subsequent to my previous complaint to your office. The information above is new information regarding the previous complaint to your office. 
Your review of this matter is greatly appreciated.
To whom it may concern, Two weeks ago I was a fraud victim. An imaginary FBI agent (  XXXX   XXXX   ) c alled me and she demanded {$8000.00} for student taxes that I had not paid the last 4 years. Unfortunately, I believe on her as she revealed all my debit and credit bank account limits ( " Sir, I see that according to your debit and credit limits, you have  XXXX   XXXX  So you can pay us today if you do n't want to be arrested '' ).   I was in contact with her for  8  hours on the phone as I was instructed to buy gift cards from  XXXX  store to pay the IRS attorney that was handling my case. The " Scam FBI ''  officer  terrified me by pressuring to not say anything to anyone and also if I hang up the phone he will be able to put charged on me. Under such pressure, I used three different cards in order to buy 16 gift cards of {$500.00} each ( {$8000.00} total amount ) {$1500.00} -- &amp; gt ;  Wells Fargo  {$2500.00} -- &amp; gt ;  XXXX   XXXX  {$4000.00} -- &amp; gt ; Chase When my wife came home (  XXXX  pm ), she realized that this was a fraud, and she called for a police officer to talked with the " Scam FBI '' agent ( I was in phone hold ). When the police  officer  came home and talked with the " Scam FBI '' agent, she changed her voice tone and hanged up the phone. The police  officer  directly filled a police report for me with a case number "  XXXX  '' and he told me that a detective will be able to contact the  XXXX  store in order to track the gift cards. The detective 's information is "  XXXX ,  XXXX   XXXX  &amp;  XXXX  ;  XXXX  XXXX  XXXX  &amp; gt ; '' and he told me to call my banks in order to report my case number and to inform them that I was a fraud victim.      XXXX  week later, the  XXXX  and  XXXX  banks directly removed my transactions from my credit accounts. Unfortunately, the  Wells Fargo , after their research, found that the transactions (  3 gift cards, 3  x {$500.00} = {$1500.00}  )  were correctly charged to my account. So, they did not reimburse me.
I had XXXX mortgages with XXXX. The second, and final one, was paid off in XX/XX/2013. XXXX never filed a satisfaction of mortgage with my county so is still a lien holder on my home. XXXX hired PHH as their retained servicer of mortgages. I have contacted PHH and XXXX approximately 30 times in the last three months as this circumstance nearly derailed the refinancing of my house. Now it is delaying the registration of my assets in a personal trust. Both circumstances are costing me time and money. I have many names, telephone numbers and emails of individuals who have promised to take care of this, but it never gets done. There is no dispute that the mortgage was paid in full. The most recent contacts I have had were this morning, XXXX, and the previous week, with representatives of the Office of the President ( which I suspect is just another arm of their customer service department ). Nothing ever gets done, even though I have indicated that this issue has gone on for nearly 4 YEARS!
I PERSONALLY TRIED TO FIX THIS PROBLEM BEFORE I CONTACT YOU I CONTACT EQUIFAX ON REPEATEDLY OCASIONS BUT THEY IGNORE THE LAWS AND IGNORE MY RIGHTS AS A CONSUMER, THEREFORE I AM ASKING YOU TO INTERVENE FOR JUSTICE FOR ME AND ALL OTHERS IN THE SAME SITUATION AS US WITH THIS COMPANY EQUIFAX THIS ANSWER ON XXXX XXXX # XXXX IS LIKE ALL OF THE OTHER ANSWERS WE GET FROM THIS AGENCY EQUIFAX INSTEAD OF DEALING WITH THE ISSUES LIKE THEY SHOULD HAVE SINCE XX/XX/XXXX HAS THE COMSUMER LAWS MANDATE FOR A CREDIT REPORTING AGENCY, NO THEY KEEP REPORTING SOMETHING THEY SHOULD KNOW AND BE SUPPOSED TO KNOW. THE IS MORE THANT 7 YEARS OLD, THEIR IMMEDIATE RESPONSE IS TO DENY AND BLAME THE CHAPTER XXXX FEDERAL BANKRUPTCY COURT CASE # XXXX A CASE FROM XX/XX/XXXX THAT BY LAW ONLY LAST FOR SEVEN YEARS AND OTHER CREDIT BUREAUS ALREADY BEEN CLEARED BUT THIS BUREAU EQUIFAX IS PLAYING IGNORANT AND UNAWARE THAT IS HAS BEEN REPORTED FOR SEVEN YEARS LET 'S SEE WHAT THEY TELL AT THE END THIS TIME YOU WILL WITNESS MY ACTIONS AND THEIR ACTIONS, IN 20 DAYS FROM TODAY IF THEY DO N'T CLEAN MY CREDIT REPORT I WILL START A LAW SUIT AGAINST THEM FOR {$XXXX} DOLLARS THIS TIME YOU ARE TO BE MY WITNESSES I HOPE THIS TIME IS TRUE AND WE CAN LEAVE THIS CREDIT REPORTING NIGHTMARE BEHIND THAT IS COSTING ME AND MY WIFE A LOT OF MONEY AND SHAME. 
SEE ATACH PROOF CONFIRMATION DOCUMENTS FROM EQUIFAX # XXXX # XXXXCHAPTER XXXX FEDERAL BANKRUPTCY COURT CASE # XXXX A CASE FROM XX/XX/XXXX TO XXXX XXXX XXXX XXXX XXXX
My Mortgage was sold twice in 1 month. It was first sold to RoundPoint acct. # XXXX and secondly to XXXX XXXX acct. # XXXX. Both expected payment on XX/XX/XXXX. 

Payment was mailed on XX/XX/XXXX for due date XX/XX/XXXX to Roundpoint as required and in compliance with my resposnibilities as a mortgagee. This check was cashed. 

XXXX began collection efforts on XX/XX/XXXX, see Consumer Financial Protection Bureau complaint # XXXX. 

RoundPoint has yet to forward the XX/XX/XXXX payment to XXXX. This is over 30 days. 

I am asking for confirmation that RoundPoint has made payment as required for the XX/XX/XXXX mortgage payment. Both companies are not entitled to the same payment. This is a problem between the two companies and not the consumer.
I had a XXXX in XXXX XXXX and was transported to the hospital by ambulance. I had medical insurance at the time but I did not have my insurance card at the time. Later, I called and provided my insurance information but the amount on the bill never changed. I called again but they insisted that I still owed the same amount regardless of insurance. After my refusal to pay, due to the refusal to apply my insurance, they sent my account to a debt collector. This was about 5 years ago and Apex ( debt collector ) has continuously called, at all hours of the day yet they never leave a message nor have I ever received a paper bill. This debt is negatively affected my credit report.
Opened a new account with BB & T on XX/XX/2018 under a {$150.00} incentive and have met the requirements and have not received the incentive. Have message the bank multiple times and the customer service representatives were unable to provide more information. I have attached the documentation where I have met the requirements.
I have had a PNC HELOC line of credit and loan since XX/XX/XXXX. Per the terms of the loan, payments are automatically withdrawn from my PNC checking account monthly around the XX/XX/XXXX of each month. Per the terms of my loan, the automatic payment withdrawal program entitles me to a .25 % interest rate reduction. However, since XX/XX/XXXX, PNC has been intentionally misapplying my additional principal payments and not automatically withdrawing my normal monthly payments in order to benefit themselves with more interest and prevent me from paying down the loan faster. Their failure to correct the problem since XX/XX/XXXX ( despite numerous phone calls and online disputes of payments ) has resulted in me paying additional interest that otherwise would not have occurred had they correctly applied the payments or corrected the problem in a timely manner.

As you can see from the attached statements, on XX/XX/XXXX, I made an additional principal payment of {$500.00} that was initially applied to principal, then reversed to be applied as a normal payment ( principal and interest ). This caused the normal XX/XX/XXXX payment to not be automatically withdrawn and I had to make the payment manually on XX/XX/XXXX which was again applied as a normal payment ( principle and interest ).
Midland Funding LLC has garnished {$1000.00} from my midland bank account, and they claim that it was court ordered and i did not received any legal documents that state so.
I used to own a house and unfortunately I had to rent. I ca n't live in there because of my job requirements ( I had to move to get a job when I got laid off ). The house is rented and I manage the property. The house living room developed a water leak issue due to a broken gutter. Additionally I needed mold inspection and ESTIMATES to be delivered to ensure a safe environment for my tenants. My tenants contacted a company called XXXX XXXX XXXX that did the inspection ( which I paid for ) but never gave me an estimate on the work required. I called them multiple times but did not receive any paperwork or verbal estimate. My tenants also claimed that they did not have an estimate. At some point they came in to do the work ( I kept calling ) despite the gutter not being fixed. Note - the gutter was NOT fixed and the mold could not be effectively fixed ( water still leaking ). XXXX XXXX eventually left without doing the work. Finally after the gutter was fixed, I asked them to come in and they told me that I have to pay the full amount because they had already come in and attempted to do the work. Note - the work was never done. Now they have submitted a claim to the collections agency which will hurt my credit and financial status. My tenants have left and are not claiming any responsibility. I was never sent any estimates or contacted about the work. In short I never approved any work, nor did I receive estimates, nor was the work completed. Instead I am stuck with a payment for a service I did not incur and benefit from.
Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit Management. To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumer 's rights. Their illegal actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file. 

I have made 2 payments to Midland Credit management in an attempt to settle my debt after negotiating a lesser amount. They told me that the payment plan was voided due to non-payment. I can provide documentation showing that the charges removed from my bank account. I was then told that I could re-negotiate for a larger amount the initially agreed upon. 

After I told them I could prove that the payments were made, they changed the excuse and told me that I made a call on XXXX/XXXX/2017 requesting to void my contract. I asked them to review the recorded call and they would not. I ask the account manager to go back and listen to the call, as I never requested to void my current agreement. 

The company is now claiming I must pay off the debt in full, and have re-opened the closed account as a line of credit in my name. 

After doing a deal of research I have found this company to have committed unlawful acts against hundreds of other US citizens. The company has violated the Telephone Consumer Protection Act ( TCPA ) by using an automatic telephone dialing system to place repeated debt collection calls to cell phones without prior consent. 

Thank you for your time
I received threatening calls from a debt collector ( naming me as a " person of interest '' in a legal matter ). They claim I owe multiple lenders due to several payday loans that were sent to my banking institute from XXXX to XXXX. The company is called HIGH POINT ASSETS INC. They are calling on behalf of several lending entities that allegedly deposited funds into my bank account in {$400.00} increments ; totaling up to {$2600.00} over a period of two years. The representative asked me to verify the last XXXX digits of my SSN and my current mailing address, none of which did I provide. Instead I asked the caller to confirm what they already have on file and s/he gave me information that was over XXXX XXXX XXXX ( clearly the information was not active during time they are suggesting I took out the loans ). And to add insult to injury my place of employment as well as banking institution the " said '' funds were deposited was also incorrect/inactive. This company is operating under false pretenses -- an atypical SCAM artist to say the least. PLEASE do not verify your vital information with them, request that they send you something in writing before moving forward!!!
My name is XXXX XXXX and I am the owner of XXXX XXXX XXXX XXXX. I process AMEX cards for my business. I have a customer that made two separate payments to XXXX XXXX XXXX XXXX for {$14000.00} on XX/XX/18 and XX/XX/18 for {$4700.00}. The customers requested a refund from AMEX for the {$4700.00} which XXXX XXXX XXXX disputed with a signed copy of the sales proposal and other information and AMEX denied XXXX XXXX XXXX rebuttal. AMEX then processed a chargeback for the {$14000.00} prior to our ability to dispute. The 2nd dispute was processed even though the notification states the customer can not request a dispute for items older then 120 days old. I have called AMEX nearly every day and never been able to speak to anyone other then their processing with XXXX. Several XXXX staff members and even a supervisor have stated that with our signed contract and information provided that the chargebacks should be reversed. I can provide all documentation needed. My best contact at XXXX is XXXX in Dispute Resolutions. Knowing that AMEX processors agree with our documentation, we put a stop payment on AMEX withdrawing the {$14000.00} from our XXXX XXXX   account. AMEX has now decided to hold all future payments processed through them until they recover this {$14000.00}. This is fraud by their customers XXXX and XXXX XXXX as they have all of the equipment and received service that is not refundable and signed our contract with all equipment. The contract proposal that was received by their customers had direct detailed descriptions and links to the customer products received and installed in the XXXX home.
Midland Credit Management Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Have threatened to take me to court over a debt. I was afraid so I made a deal with them. Now they are doing it again. They are Attorneys that use scare tactics and threats to get you to pay from a Debt they bought from someone else JDB = Junk Debt Buyers. Phone calls and letters to sue me again over a bill that was {$300.00} dollars and they want {$870.00}. This firm is disgraceful and the worst kind of lawyers you could imagine. It has been a nightmare.
I have NEVER been past 30 days late on my  XXXX  credit card and all   XXXX   agencies are reporting a late payment, this is wrong
XXXX agreed to remove me from their database and not to wait 5 years, if my banks XXXX XXXX. and Citi Bank intervene and tell them to remove me, since I payed the balance of {$330.00} to Citi Bank and {$850.00} to XXXX XXXX. However, nobody took steps into correcting this and removing me from the database so I can get my life back.
I do not owe   XXXX   XXXX   I never made any arrangements with this  3rd pa rty and needs to be removed from my credit report
On XX/XX/XXXX a deposit of {$2700.00} was made into my checking account. I did not make the deposit, neither did my husband, who also shares this account. The same evening I called to report the deposit and spoke to a Chase rep who put me on hold at first and later said the money was meant for my account. I took no further action believing the bank would discover its error and correct it. The deposit slip was from some immigration company and the deposit was for an insurance company. The deposit image is no longer available for me to copy and submit. On XX/XX/XXXX upon logging into my bank acct I noticed a XXXX balance in my checking acct and a balance of {$230.00} in my savings acct. I spoke to three people in three different departments and I was told the {$2700.00} was deposited in error and debited from my checking acct, however the amount of {$2200.00} was transferred to my checking acct for overdraft protection. I was told the money is " on hold '' until XX/XX/XXXX. As of present I am missing {$520.00} from my checking account and {$2200.00} from my savings acct. My desired outcome is to have this money restored back to my acct immediately not in the near distant future.
XXXX and XXXX are listing a credit collection account ( Bull City - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with XXXX and XXXX explaining to them that this collection account does not belong to me. XXXX and XXXX sent me a response and said that they verified it does belong to me and I would need to contact Bull City directly if I disagreed with their decision. So I wrote Bull City a letter and told them they were listing a collection account that does not belong to me. I asked Bull City to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from Bull City. Since Bull City can not validate this alleged debt, I would like for them to delete this collection account from my XXXX and XXXX credit reports.
I noticed a negative on my XXXX  credit report. After research I found that it is a 12 year old account opened in XX/XX/2006. This accoutn was always on autopay, but the creditor must have cancelled autopay at some point without notifying me. Therefore, the account shows late pays for 3 months, and now ways it is closed on XXXX. 
I attempted to contact the creditor ( CBNA, Citibank North America ) and they claim they have no record of my account. 
This is very low $ $ for me, and I just want to pay the account and have them correct the report, but nobody can help me. Even XXXX  refuses to give me more information about the account. 
The impact on my credit report has caused me to lose important business credit, and I'm at risk of losing my company which employs 30 people, and donates thousands to non-profits every year. Other than this issue my credit report is nearly spotless. 
Can you please help me get a response from Citibank so I can clear up the account and have it cleared from my credit report.
Repeated, continuous calls all day everyday as soon as I 'm 1 day late on my payment to Conn 'S and calls continue everyday, all day until payment is made. I could be just 1 fay past due and I get harassed. No other company does this to me, not even my mortgage lender or my car loan company!
My card account was placed on hold with any notification to me. The company ADP Totalpay accepted a deposit into the account even though they would not give access to the money ( they didnt tell me ). They have given me numerous reasons as to why this happened and none of their reasons make sense. I have sent them all the requested documents multiple times ( a copy of my drivers license, a copy of my paycheck and a copy of my social security card ). 
They have given false reasons as to why they can not use the documentation. Once they told me that my driver 's license it expired, however, it does not expire until 2021. They told me that my i.d . was too dark to read but they read me the information from it. They initially said that they could read my social security card, but after the 3rd time I 've sent in my documents they say they can not read the social security card. None of my files are blurry or dark. I have sent these same files to other businesses and they were read fine. 
I have gone a month without my money. The ADP TotalPay customer service will not allow me to speak with a supervisor. They just continue to place you one hold and then transfer you blindly to a line where no one ever answers. I only want access to my pay that was deposited on the card
Spoke with rep from naivent about XXXX XXXX XXXX being a closed school and that it needed to be removed from my student loan account and credit report because it is inaccurate and not verifiable. I was told it would take months to know something and that is will be on my report until XX/XX/2028. I have not received any up date on why a school that is no longer in business would stay on my student loan and credit report until XX/XX/2028. This has caused me a tremendous about of stress to my credit score and not being about to obtain credit with this errorous information on my student loan and credit profile.
A REPORT FROM EXPERIAN XXXX FROM XX/XX/2018. EXPERIAN DOES NOT HAVE MY CONSENT AUTHORIZATION AND THIS SERVES AS A CEASE AND DESIST TO HOLD, GATHER, ANALYZE, PACKAGE SELL OR OTHERWISE CREATE COMMERCE WITH MY PERSONAL INFORMATION OR CREDIT INFORMATION. EXPERIAN SHOWS A LACK OF SAFETY WITH OTHER DATA BREACHES AND NO REMEDIATION FOR CONSUMERS.SELLING MY INFORMATION TO ANYONE IS ILLEGAL YOU ARE VIOLATING MY PRIVACY, THE RIGHT TO EQUAL PROTECTION AND THE RIGHT TO SELF DEFENSE. ALL SOFT INQUIRIES ARE TO BE REMOVE ASAP, OR I WILL PROSECUTE THE ISSUE MYSELF.