WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage is through HarborOne Mortgage , LLC. The loan closed on XX/XX/2018.

On XX/XX/18 HarborOne via XXXX  ( their payment company ) paid a tax bill in the amount of {$80.00} from my escrow account that was for a tax bill for another individual on check XXXX  made payable to the town of XXXX, ME.

On XX/XX/18 the town of XXXX  informed XXXX via email that the check had been submitted in error and requested instructions on returning the check. The check was returned by the town on XX/XX/18 to XXXX via USPS mail.

I have been dealing with HarborOne since XX/XX/18 to get the {$80.00} returned to my escrow account. I felt that the time from XX/XX/18 to XX/XX/18 was sufficient time to wait for a refund. As of XX/XX/19 I still have not been credited. See attached information for a call log concerning this issue.
Gatestone has been calling my son and I every five minutes on our home phone, my son 's phone which is ( XXXX ) XXXX, and my cellphone, which is ( XXXX ) XXXX. My son has already told them to stop. They ca n't seem to stop calling us until they get through to one of us. They disrupted my son 's conference call three times this morning and called my home phone at least ten times in the course of 2 hours. My son told them to cease and desist He also told them that I do n't want them to call me. We 've had enough with them and ask they quit calling us. Thanks.
I NEED HELP IN BUYING A POPERTY. AND WITH MY CREDIT NO ONE GIVE ME CREDIT.
XXXX   XXXX   closed near my home, so I went in person to the branch in the   XXXX   XXXX   to close it .I told them I would pay in full what ever needed to be paid and close the account, your employee assured me it was closed when I brought it to a   XXXX    balance.I paid the balance up and was told by your employee the account was now closed.Since then I have been receiving overdrafts from dates after it was closed.My automatic deposits were changed at the same time that I closed the account.I tried to contact the bank at the number given me, no response, it went directly to music and I waited as long as half an hour with no response! I am   XXXX    and can not be traveling miles to do my banking.I would appreciate it if you would quit harassing me and keep the account closed as it was in  XXXX .And I do not owe any overdrafts on a closed account! Your prompt attention would also be appreciated.I had 4 other people along the day I closed the account.
Have had non stop issues since opening " opportunity checking account '' with webster bank. 


1. ) online banking is extremely unreliable. transactions, regardless if theyre debit, credit, ach, or even transfers between accounts, post and unpost randomly with no rhyme or reason. in the words of the branch manager herself " you never know when something will post " making it extremely difficult to accurately manage your account. to make the problem even worse, even though webster is aware of this issue, they dont make you aware of it until after you realize it and have problems, often resulting in fees. 

2. ) was told by the person who helped me open the account that it is " basically impossible to overdraw ", this is just a flat out lie. 

3. ) the bank often tries to blame delayed charges on the " merchant '' and their processing, however, this holds no water. I have used numerous debit cards and credit cards at the same merchant, and only webster will delay the charge for what seems like a totally random and unpredictable amount of time. different cards used at the same merchant have no issue processing at the time of sale. 

4. ) all problems with the account could have been avoided from the very beginning had the overdraft protection service been offered. this is something i realized was available months after opening the account, and i made this realization myself. this service has still not been offered or suggested by any webster employee, even after numerous overdrafts. 

all these things considered. i have to say that webster bank is either negligently run, or is running a scam. the delays in items posting, bad information given, lack of protection offered, etc, all leads me to believe they are intentionally creating overdrafts to collect fees. this is also reinforced by the fact that the type of account i have as seen as " high risk '', or more likely to over draft, so perhaps an easy target for this type of scam. webster all has a history of law suits they have settled for millions of dollars alleging the same exact thing. 

most recently, just this morning, i noticed a very alarming " mistake '' on my account. I had transferred on XXXX/XXXX/XXXX the amount of {$1100.00} into another webster account. the XXXX accounts share an account holder and the transfer was immediate. the funds were properly distributed at that time. the following day, XXXX/XXXX/XXXX, the {$1100.00} was in BOTH accounts. i believe this was a blatant attempt to get to me spend some of it, and then charge me with over draft fees when the " error '' was corrected.
In my initial FTC report, I did n't notice some fraudulent inquiries that also need to be disputed resulting from Identity Theft.
i have been a victim of fraud and id theft, XXXX, XXXX, experian all 3 agencies have allowed inquries from companies that i never allowed to use my personal information to obtain or open accounts, cars store, creadit, my name is incorrect i requested all agencies to remove all inquries everyone correct the spelling of my name and updated my correct creadit scores.
My Bank of America card has XXXX fraudulent charges. My bank told me that I need to file a police report to continue their investigation to get the charges reversed on my account. I was told that you would subpoena the footage from the ATMs where my card was charged. There are XXXX different transactions. 

XXXX XXXX XXXX {$480.00} at the XXXX ATM # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX Those XXXX transactions was not me. It could not have been me because on XXXX XXXX at XXXX I was at my college, XXXX. And on XXXX XXXX at XXXX I was at work. 

I filed a claim first and it was denied by bank of america, then I filed a police report and my claim was denied again. Now I am filing a complaint here.
I had dental services from XX/XX/2012 to XX/XX/2012. At the time I was covered under XXXX. I paid for the remaining balances with my credit card. I submitted paper work for the dentist to be paid directly from the insurance carrier ( XXXX ). You will note that is what happen on the claim form. The dentist indicated that " XXXX paid patient '' at the bottom of the claim form bill. 

I was contact recently and ask to pay a bill that was supposed to be paid by the insurance company back in XX/XX/2012. I have subsequently changed employers and insurance carriers. The insurance company does not keep records back that far. 

I have asked for a canceled check from the insurance company to show that I cashed any check. They do not show one being cashed my me and the collection agency can produce any documentation showing that I received payment ( other than the handwritten note at the bottom of the bill page ). 

I am being as to pay for a service almost XXXX years later with no indication that the bill was submitted to the insurance carrier ( rejected or paid to me XXXX. 

This wrong and unethical. The credit collect agency it threaten to submit this claim to the credit reporting agencies to " damage my credit ''. This is also wrong. 

The person that made this " threat '' was XXXX or Credit Counsel, Inc ( XXXX, XXXX, FL XXXX ). Email : XXXX.
On XXXX/XXXX/XXXX, XXXX made an inquiry into my TRANSUNION credit file due to someone submitting fraudulent information. XXXX reached out to me when they became aware that it was an attempt to open a credit card fraudulently and assured me the inquiry would be deleted. Despite numerous calls and letters to TRANSUNION from me, it has not been deleted as promised.
I have been working tirelessly to get items removed off my report because I was a victim of all my data being stolen off the OPM database ( I was a federal employee ). However this item is of a different circumstance. XXXX XXXX XXXX XXXX is trying to collect a debt for XXXX CO in the amount of XXXX I purchased a XX/XX/XXXX XXXX from XXXX XXXX in XX/XX/XXXX and financed it through XXXX but I only had the car in my possession for less than 60 days as the car engine was making a knocking noise and the transmission was not shifting properly. I took the car back to XXXX XXXX and they put me in another car, XX/XX/XXXX XXXX XXXX but because it was past the 30 days they had to roll in the negative equity of {$4900.00} for the XXXX into my new loan with XXXX XXXX XXXX. Needless to say I was furious but I had no choice because my daily commute was long and I needed a reliable car. 

I have contacted XXXX XXXX and spoke with the Finance Manager and he told me that I absolutely DO NOT OWE this debt to XXXX because they were paid when I financed the XXXX. Unfortunately, he could not find the sales order for the XXXX because they have changed systems since XX/XX/XXXX. 

I believe this is nothing short of a CRIMINAL ACT by both XXXX XXXX XXXX and XXXX as they are trying to collect a debt they have already been paid on and have ruined my credit in the meantime! 

I am desperate to get some assistance with helping me get this item removed from my Experian credit report ( it is not showing on XXXX or XXXX ) as it is a large amount ( XXXX ) and it is seriously affecting my credit score. I feel I have done all the right things to get this removed but I am being ignored.
This agency has been instructed to validate the debt through written form. I have not received a letter. They call multiple times throughout the day without leaving messages. I receive multiple calls from multiple telephone numbers with different area codes. 
( XXXX ) XXXX ( XXXX ) XXXX
I have been making extra payments to the principle on my mortgage loan for almost 2 years and as far as I can tell my mortgage servicer ( Seterus Inc. ) had been applying the extra payment to principle ( as I instructed my Mortgage Loan servicer from the start of these extra principle payments ) until sometime at XXXX XXXX of 2017. Starting in XX/XX/XXXX, XX/XX/XXXX and XXXX 2017 I increased the extra payment to principle too {$1100.00} and the mortgage servicer ( Seterus Inc. ) has been misapplying these payments to additional interest instead of principle. I have instructed the servicer every month that they are to apply anything above the normal payment totally to principle, even going so far last month spending hours on the phone talking to an upper customer service manager and she assured me that these past payments and any future payments would be correctly applied to principle. She also instructed me to view a file online for my statement and payment history that would show the corrected amounts applied to principle and any adjustments would be made to my payment and balance history. In viewing the history file for my mortgage I can clearly see that what was promised has not happened. The extra amount that I am paying is a substantial amount {$1100.00} and will add up quickly if this is not corrected quickly. Please help as the company will not give me anyone above this manager that I talked to last month to correct this problem Thanks
I have opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ). Both reports contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from TransUnion. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 

I had written the Collection Agency XXXX XXXX for an allege debt for XXXX XXXX account XXXX ... XXXX Tracking XXXX on XXXX XXXX, 2015 requesting validation for this allege account and received no response from the collection agency. It is now past 30 days and according to the FDCPA this account needs to be deleted. 

I have brought the fraud as well as this matter to TransUnion XXXX times, ( XXXX Tracking XXXX received XXXX/XXXX/15 ), ( XXXX Tracking XXXX received XXXX/XXXX/15 ) as well as ( XXXX XXXX received XX/XX/2015 ) on the lack of validation by the collection agency and requesting to delete this account from my credit file. 

TransUnion repetitively delay the process by doing an investigation and responded on report number XXXX with NEW INFORMATION BELOW. If the collection agency can not validate the account within the require 30 days, following the FDCPA it needs to be deleted from my credit file. Upon escalating this to TransUnion, and the delaying of correcting the reporting of this account, this is now a violation of the FCRA and this account needs to be deleted. 

I have been a victim of identity theft which has caused a lot of harm to me and my family. I have been trying to clear up the damages with a lot of friction from TransUnion. 



Attached : copy of the debt validation lettercopy of the debt invoice by XXXX to TranUnionTransUnion reporttracking informationpolice case reportFederal Trade Commision case
There are several credit card accounts on my credit report that do not belong to me. Based off of my credit report, it says that I am an authorized user on XXXX credit cards that do not belong to me. 

XXXX/XXXX/XXXX
XXXX has been non-compliant with removing the unverified account BARCLAYS BANK DELAWA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BARCLAYS BANK DELAWA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
On or about XX/XX/2014 and Account was established or billed to me without my prior knowledge or consent. In addition, Access Credit Management who currently owns the debt has failed to provide any original application or documentation as per the Fair Debt Collection Practice Act, section 809. Also, the statue of limitations in the state of Arkansas for medical bills or debts is for 3 years, for contracts not in writing ( A.C.A. 16-56-105 ). 2 years from the date the service ( s ) was rendered for from the date in which the most partial payment was made ( A.C.A. 16-56-106. The time frame for both statues have been exceeded and puts Access Credit Management in Violation.
Hello, After numerous personally addressed literature and emails from Citicards I applied online for the XXXX XXXX XXXX Citibank credit card in early XXXX 2015. On all the literature and emails I received, which used my name and my XXXX account number, there were dangling carrots, if you will, of the promotion of spend {$3000.00} in 3 months to receive XXXX XXXX XXXX miles. I decided to apply and was instantly approved. Since I have excellent credit I was not surprised but I was excited as I was planning some big ticket purchases which would help me achieve the promised miles amount to plan a special trip this winter. Once the card arrived I called to activate, but I was suspicious that there was no mention of the promotion. After speaking to several representatives at Citicards I was transferred to a sympathetic supervisor, XXXX, who nonetheless, still could not remedy a situation that kept getting worse. 

I am writing to the Consumer Finance Protection Bureau for help and guidance to correct what has become a devastating wrong by Citicards. Not only was I told there would be no XXXX miles, there would be no miles period to my account because I did n't make the 18 month cutoff date from my previous card. Never was this explained clearly to me, the consumer, on any of the literature and emails I received. Worse yet, why was I approved for the card, for the promised promotion, if the system knew I should n't have been eligible? To make matters much worse, I now have to wait an additional 18 months from this current card ( which I immediately cancelled and hope my credit report is not damaged by Citicards egregious misleading actions ) to apply for a new one. It devastates and frustrates me that I was so misled, lied to, and deceived by Citicards and now not only do I not have what I was promised, but the situation worsens because I have to wait an additional 18 months because of this card that was activated for a minute, literally, but was applied for under dubious advertising lies. 

I ideally would like Citicards to honor the promotions they sent to me, personally addressed with my account information. All I ever want is what I am promised, what I applied for. There is a serious problem with banks if one is not only invited to apply but then approved for something that they are then deprived of. It is a gross injustice of bait and switch. No more lies and deception and tricking the consumer! At the very least, I would like Citicards to allow me to apply for the mileage card from the date of the earlier card from nearly 18 months ago, not this new, non-existent, fraudulent card they sent to me until false pretenses. 

That is the bottom line - do not punish me because of the false pretenses you establish by contacting me and approving me for this card. 

I hope the CFPB can help in this matter and I hope every consumer, of which I know there are many, can unite and bring a stop to the credit card companies ' tendency to deceive and mislead consumers. There must be more reform and only if we all raise our voices can something be done. 

Thank you for your time and cooperation.
I have a loan that was purchased from my original loan company by Amerihome. I signed up for automatic budget drafting ( twice monthly payments ). Amerihome sent me paperwork that my account was set up and ready to go. My first payment with debited from my account on XX/XX/XXXX as per the paperwork. Then WITHOUT ANY NOTICE, my automatic withdrawal was cancelled. The XX/XX/XXXX payment was not made as well as the XX/XX/XXXX payment. I called Amerihome and waited on hold for over 2 hours. The man who answered said someone would contact me within 48 hours. No one ever called. I called back and waited on hold for another hour and the person still could not answer why my account was cancelled. I had to call back again and wait on hold again. Payment was made in full at this time. 

I am still being charged late fees. 

Amerihome said I had to be paid a month in advance to do the budget drafting. No one can or will answer what happens to this extra payment. Is it applied to my principal? Are they just holding my money with no interest? I think this practice is extremely under handed and not above board. It is more so because no one will answer my question. 

Grand total, I have waited on hold with Amerihome for over 9 hours. I have sent 5 inquiries to their online/email and still do not have resolution or a response. 

I have filed a complaint with XXXX  to get my credit score fixed, as they dinged my credit for THEM cancelling a automatic debit that had been started. 

The customer service, training of the team, and response time is unacceptable and pathetic.
I am currently in a Repayment Plan for my Mortgage with M & T Bank who has XXXX XXXX XXXX assigned to my account. In recent correspondence received from M & T Bank dated XXXX/XXXX/XXXX. M & T Bank states that no payment has been made to my account since XXXX/XXXX/XXXX although XXXX affirms payments have been received this Fiscal of XXXX during that period. M & T Bank is reporting delinquency for periods dating XXXX/XXXX/XXXX to XXXX/XXXX/XXXX which is inaccurate according XXXX records and what is beig reported to the respective credit bureaus. In addition, there is a suspense balance that resides on my account for {$1000.00} with no clear appropriation for these funds.
I was receiving calls from  XXXX  of a debt in  XXXX . I informed them that the debt is invalid. It was a charge to my cell phones. We went back and forth by phone and mail for sometime. Finally I realized they did not believe me. So I sent a dispute document attention to manager in   XXXX   XXXX   XXXX  . I was a customer of theirs for many years without a missed payment. The bill was false. I told them by phone if they did not correct the mistake I would file a complaint. They assured me it would be corrected. Due to the mistake and harassing phone calls I left their service. Years later I received a bill from  Midland Credit Management,  inc saying that the debt was still valid. I notified them of the situation and we went back and forth by mail. Ive sent Certified mail to them also disputing the debt. Ive disputed it from day  1 . I am now disputing the bill with  Midland Credit Management, inc  .  Ive sent letters disputing the debt and requested any signed documentation. They are yet to send me any signed documentation from them or  XXXX . Last dispute letter sent to  Midland Credit Management , Inc.    XXXX   XXXX   Certified mail.
I have requested debt validation 2 times in the last 6 months by mail to : Alliance One Recivables XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have not received and notices or updates
I was a co signer to XXXX a friend XXXX i she stop making payment and i can find her now it on my credit im looking at the term and amount it inncorrected and on my credit
I receipted the debt from net credit when I run the credit report and find out I own {$5600.00} from net credit. I did the report the identity theft to police and send all the paper work to net credit, credit report company, I still receipted the debt from net credit that I have to pay. 
Please help