WillisBack/dataset-financial-user-claim huggingface dataset:
My home loan was transferred to Nationstar Mortgage from XXXX XXXX in XXXX 2015. Prior to the loan being transferred, XXXX XXXX honored the 15 day grace period for loan payments made online, as outlined in my Note and Mortgage. However, the first month that Nationstar Mortgage was servicing my loan, I made my payment after the XXXX of the month and found a {$9.00} " late fee '' assessed to my account solely due to the fact I made my payment online after the XXXX day of the month. This fee is unscrupulous as it contradicts the 15 day grace period as agreed upon in my Note and Mortgage. I was never made aware of the fee through separate letter ; I had to call Nationstar Mortgage 's customer service department to find out the information. They bury it in the monthly statement under the heading " Payment Options ''. I do not feel it is fair to punish people who make their payments on time, who are current on their mortgage payments and during the legally allowable grace period. Some people do not get paid during the first week of the month and the 15 day grace period allows flexibility to all. 
I was happy to refinance my loan in XX/XX/XXXX to XXXX XXXX only to receive a letter last week that my loan is now being transferred once again to Nationstar Mortgage. Again, I feel this matter should be looked into as it goes directly against the verbiage as agreed upon between Mortgagor and Mortgagee in the Note and Mortgage. I do not want to be subjected to unnecessary and illegal fees. 
Thank you for your time and consideration.
To whom it may concern, My wife and I have just recently received calls from both her parents and mine in regards to a debt we have with best buy which is with Citibank , N.A . After speaking to my father whom stated he advised the representative he was not Me that they were calling my father. They disclosed to him my balance the last time I made a payment. My father then told all my family members and it has affected my wife 's business. I would love for them them to clear this up but unfortunetly the damage is done. Not only are they affecting the way we make income but they placed us in an unbearable situation with the family.
convergent outsourcing inc is trying to collect on a debt to XXXX that number one is not my account and the account that i did have with XXXX is over XXXX years old and they have an account number that doesnt belong to me.
On XX/XX/2016 I was informed by XXXX XXXX, the Director of Efficiency, Compliance and Privacy at XXXX XXXX XXXX, XXXX that a debt that was placed with the firm, Americollect, INC would be removed from my consumer credit reports. It has not been removed by Americollect, INC.
I HAVE COMPLAINED TO YOU ABOUT THIS LOAN SERVING COMPANY WHO RECENTLY TOOK OVER MY VA LOAN. XXXX XXXX XXXX XXXX 

THE ISSUE NOW IS XXXX XXXX XXXX HAS HELD UP MY AUDIT REQUEST ON THIS LOAN, I HAVE REQUESTED A FULL AND COMPLETE AUDIT YET TODAY I WAS TOLD XXXX WILL NOT GIVE ME AN AUDIT EVEN THOUGH IT IS THE LAW. 

XXXX TOLD ME THIS MORNING THAT COMPLAINING TO CFPB IS A WASTE OF TIME AS THEY ARE USELESS AND HAVE NO POWER OVER XXXX. 

AS THESE PROBLEMS CONTINUE TO EXIST I NOW HAVE NO DOUBT CFPB IS INDEED POWERLESS IF SO LET ME KNOW SO I CAN USE THE JUDICIAL SYSTEM
Trans Union had a glitch in the system that violated the rights of their consumers under section 6.11. As a result I have been gravely effected and my credit score is suffering as a result. No notice of was never given to me which also is a violation. So I am requesting that these following items to be removed : XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX Also I am victim of identity theft which I sent in a VALID POLICE REPORT that was typed and sign along with a official police department stamp that was deem that valid by Trans Union.
On XX/XX/2017 I called the Department of Education and got transferred to a line that checked whether I qualified for any full or partial loan forgiveness. I was told I qualified for the 'best program ' of partial forgiveness, a 'revised pay as you earn ' plan that would be based on 10 % of my income, to be re-evaluated every year, with payments starting as low as {$12.00} a month, for 20 years. After 20 years the rest of my debt would be completely forgiven. The suspicious piece is that they asked for a payment of {$590.00} for the legal fees associated with taking over my loans - when I asked whether that made my loans private, they said no, and when I asked if this was directly affiliated with the Department of Education, they said yes. I talked to XXXX XXXX. I said I could not pay the {$590.00} today ( which they asked me to pay immediately ), and they said I could pay in installments of {$150.00} today, then 4 monthly payments of {$140.00}. They have since taken {$150.00} and 1 payment of {$140.00}. They then emailed me documents to sign, asking for the first 2 pages of my tax return or last 2 pay stubs, a notarized limited power of attorney, and an authorization for release of information, which I have not signed or returned as I am afraid I have been scammed and do not want to use this service. This is all from the Student Loan Help Center, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. Upon researching them more, they are not a recommended avenue for student loan management, the " Student Loan Help Center '' is a fictitious name for Brelvis Consulting LLC.
TRANSUNION HAD A GLITCH IN THEIR SYSTEM THAT VIOLATED THE RIGHTS OF THEIR CONSUMERS UNDER SECTION 6.11. AS A RESULT I HAVE BEEN GRAVELY AFFECTED AND MY SCORE IS SUFFERING AS A RESULT. NO NOTICE WAS EVER GIVEN WHICH IS ALSO A VIOLATION AND I AM REQUESTING THAT ALL INQUIRIES BE REMOVED : XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Portfolio Recovery has violated the Fair Debt Collections Practices Act, by continuing to harass me by mail, after I sent them cease of communication letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I have just sent a 5th request dated XX/XX/XXXX. Portfolio Recovery confirmed receipt of my cease of correspondence letters by signing my certified letter with signature confirmation on XX/XX/XXXX and XX/XX/XXXX. See attached documents.
I was contacted at my workplace by XXXX XXXX Attorney XXXX XXXX on XXXX XXXX, XXXX. When I spoke with this employee she stated she was collecting a debt from Cashcall, and would like to no what are my intention of taking care of this matter. I explain my circumstances preventing me from continuing my payments. This employee begun to make threats of legal action of garnishing all my wages where I would have no money.She stated I owed {$5000.00} then {$11000.00} During the conversation I requested for validation of this debt she stated it was sent which I explain I did not recieve it.. I asked where they were located, XXXX County Ca and was told she had the right to sue then she continue to get hostile and hung up. I immediately called Cashcall and spoke with XXXX was told my account balance at that time was a payment for {$120.00} had posted on XXXX/XXXX/XXXX another payment XXXX/XXXX/XXXX {$910.00} the orginial loan amount was {$2500.00}, {$1100.00} was returned. XXXX explained that my account had a principial amount of XXXX and interest XXXX and they had sold my account to XXXX XXXX XXXX/XXXX/XXXX. I question their identity and request them to cease contact at my workplace. I have research them through the XXXX and found they have had numerous compliants.
A market order I submitted on XXXX to buy bitcoin cash in XX/XX/ 2017 executed at a {$6000.00} exchange rate. XXXX closed the order books two minutes after opening them due to lack of liquidity ( in that case they shouldn't have been opened in the first place ). XXXX/Coinbase retroactively modified their charts to remove evidence that bitcoin cash was ever valued at {$6000.00}. 

This trade cost me an estimated {$1500.00} loss.
In Complaint # XXXX, Bank of America indicated that a lien release letter was mailed to me on XXXX XXXX, 2016. The letter was NOT mailed to me - as of this date it has not been received. I am starting a new complaint on this because the CFPB system indicates that my formal complaint was closed, even though I responded that to the company 's response that the lien release letter has not been received by me. My calls to the gentleman assigned to me by Bank of America to resolve complaint # XXXX has not returned my recent calls.
Equifax was hacked. My personal data may have been stolen-they would not confirm. As I try to sign up for the free Identity monitoring they offer they say I must waive my right to any legal action, This is not right. The process to sign up for this service takes too long as well. I attempted to sign up on Thursday XXXX I will not here anything until XXXX/XXXX/XXXX before I can finish the enrollment process, Unacceptable -especially since they did NOT notify consumers of this hack immediately-but almost a month later.
XXXX called my phone 4 times asking for XXXX XXXX. I let them know I am not XXXX XXXX and I do not know an XXXX XXXX. 
This debt is not for me. They asked me to ask my family members and relay the messages. 
I asked them to discontinue calling my phone and the lady was yelling back at me. 

The number they are calling from
On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXX. On XX/XX/XXXX I wrote a second letter. on XX/XX/XXXX I called the company and asked for clarification on the debt and was not given any information about the debt or if my correspondences have been received. 

The company has not provided an accounting of what money I owe. 
The company has not provided an explanation of how they calculated what I owe. 
The company has not provided any documentation to prove what I owe. 
The company has not identified the original creditor nor provided their current contact information. 
The company has not provided proof that they are licensed to collet this debt in my state of New York The company has not provided me with the contact information for their registered Agent for Service of Process Even though I have disputed this debt, the company has not removed this debt from the credit reporting agencies
Dear Sir, I am a customer of Citibank ( checking XXXX ) and I desired to make a private investment to a counter-party from such checking account. 
The investment agreement required me to have paid by XX/XX/XXXX and included a {$500.00} late-payment penalty if my funds were not available to the counter-party by such date. 
I triggered a check payment onXX/XX/XXXX through the citibank portal, and, given that my checking account had ample funding for the transaction ( and continued to have ample funding throughout ), the Citi-portal issued the corresponding check. 
The check arrived at the counter-party XX/XX/XXXX. With the check-arrival confirmed and ample funds in my bank I left for an extended trip into the XXXX region in XXXX, where I was offline for 10 days. 
The counter-party managed to cash the check, however, the debit to her account was immediately reversed by Citi 's internal fraud department, who suddenly, without any reason to do, decided that this was an unusual transaction and that they needed to speak to me on the phone to confirm 10 (! ) days after the check was issues through the citi portal, and one day after it was deposited by counter-party. 
As I was offline citibank could not reach me an called back the funds. 
As a consequence defaulted on the contract and had to pay {$500.00}. I have been in many many correspondences with Citi to reclaim the  {$500.00} without avail. 
My complaint is as follows : When issuing a check from a funded account I need to be able to rely on citibank making the payment. If there are doubts in citibank 's fraud department then those need to be addressed as the check is issued - not 10 days later when the check is cashed. 
Citi needs to own its mistake and make me whole.

To be very honest - with the time and effort I have investment to this date I feel {$1000.00} is more appropriate at this stage, as Citi is now  delinquent for 18 months. 
Best regards, XXXX XXXX
On Monday XX/XX/XXXX I requested a credit limit increase with Home Depot Citi credit card. It was approved no problem however a credit inquiry was put on my XXXX  report without my consent. I did this online and know where did it warn me about a hard inquiry on my report was going to appear. I discovered this inquiry Wednesday XX/XX/XXXX and immediately called Home Depot who was unhelpful. The gentleman on the phone said he honestly didn't know if it said on the website anything about a hard inquiry or not and directed me to contact XXXX  to dispute directly with them. I have filed a dispute but am very upset right now about this hard inquiry. Number one I've submitted credit increases to my other credit cards and I have never had a hard inquiry. Number to if you're going to do a hard inquiry typically it is at least somewhere where you can see in XXXX to warn you about a hard inquiry. If Home Depot was going to do a hard inquiry I would have not submitted for the credit increase plain and simple. Due to the fact this was not posted anywhere when I went to inquire for a credit increase now my credit report has suffered a decrease. I take my credit very seriously and want something done about this.
On or about XX/XX/2017, I went to the Wells Fargo Branch located at XXXX XXXX XXXX XXXX in XXXX, CT with a friend. Both he and I have accounts with the bank in that branch. My friend was going to deposit a payroll check made payable to his father, who also has accounts at Wells. The check was legally endorsed " Pay to the order of XXXX XXXX '' and signed by the payee XXXX XXXX. XXXX signed the check under his signature and tried to deposit it in his account. The bank flatly refused to accept the item for deposit saying the payee of the check HAD to be physically present. 
It is my understanding, and I was also told by a Wells Fargo Customer Service phone rep that once endorsed over to XXXX, he could legally deposit the item in his account. 
The manager and branch personnel were adamant that " there is nothing we can do. '' Aside from the rude manner in which we were treated, the manager and branch personnel inferred ( and all but came out and said ) the item was a bogus item and we were trying to somehow scam the bank. Based on Wells Fargo 's HISTORY of scamming the public with falsely opened accounts, fees, employee quota systems, etc. I found this reprehensible. 
My question is : Can the bank refuse to honor an item that is properly and legally endorsed over to a third party, and an item by it 's endorsement, that he legally has the right to? What are my options with regard to taking any action against the bank or branch personnel. I was unable to obtain the names of the personnel involved as they stated when asked " we do n't give out last names or other staff information. ''
my Kohls payment was due of XX/XX/XXXX. which i always pay on the beginning of the month before due. im on social security and get paid once a month. i apparenty forgot to pay last month. they called me two days after due. i said i was a customer and paid on time for 10 years. they said they would waive the fee. well on the XX/XX/XXXX i paid my bill plus the amt. they had agreed to take out on the XX/XX/XXXXXXXX i called three times to make sure iwas up to date and they assured me everything was ok. i said on my online statement it say i owe XXXX on XX/XX/XXXX and they said i have to wait till the next billing cycle to have that corrected. Well i checked my online account. and apparently i am at the same place as i was last month. now they tell me i am in collections and owe XXXX which is not accururate. i talked to three agents on the phone and got the most stupid explanations. im not paying them anymore than i owe them. i asked to talk to a supervisor.. but i think they just passed the phone to one of their friends. my daughter works in customer service and says they do that frequently. well im disgusted it may not seem like a lot of money to some but to seniors on a budget it is huge. i discontinued my account. and told them i would go to the XXXX. im not sure where to take this. but they cant get away with this. please advise me to my next step.
There has been several errors on my credit file and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify the accuracy of accounts listed. I have complained about this issue before on previous accounts. Please remove all non-account holding inquiries over 30 days old.XXXX XXXX XXXX XXXX XXXX XXXX. Please add a Promotional Suppression to my credit file. There is a bankruptcy account that is not accurate on my file Please delete it is in error. This account is in error please delete XXXX XXXX XXXX XXXX XXXX.
ILLEGAL COLLECTION. Debt validation was requested from USCB but all of the attempts to get ahold of this company went ignored. However, they keep harassing and calling at inappropriate hours threatening to arrest and garnish wages if not paid but they were never able to validate the debt or to confirm they have the right person. this must be stopped and they need to stop reporting these illegal collections to my credit report immediately
I am submitting a complaint against Bank of America for unfair practices in handling my mortgage account. I did apply for a loan modification on my current mortgage and was offered a mortgage modification agreement package by Bank of America. I made it clear over the phone that i was not interested in the mortgage modification offer to the home loan account specialist XXXX XXXX. XXXX XXXX even had me fax in a signed letter stating that i was not interested in the modification offer and wanted my current loan to be return to normal servicing. I never replied or sent in the paper work that came along with the mortgage modification agreement package. On XXXX/XXXX/15 i made my regular mortgage payment of {$2400.00} at a local Bank of American branch. I received a letter dated XXXX/XXXX/15 stating that my mortgage payment of {$2400.00} was not applied to my current mortgage and that it was going to be set aside on a unapplied funds account on my loan. I never authorize this practice to be implemented on my mortgage loan account. I want to investigate who in Bank of America authorize this practice on my home loan.
I have a  Mastercard Account issued by Comenity Bank. This Comenity Bank Mastercard  is co-branded with  Gander Mountain and routinely advertises promotional financing for purchases at Gander Mountain stores. Recently Gander Mountain and Comenity have been advertising a promotion where purchases over {$990.00} would have deferred interest for 12 months, and be interest free if paid in full before the 12 month period expired. This promotional financing rate was prominently advertised by Comenity Bank on my Comenity Bank statements, as well as online and in-store by Gander Mountain I made a major purchase at Gander Mountain on    XXXX / XXXX /  XXXX   for {$1800.00}. I made written contact with Comenity Bank on  XXXX / XXXX /  XXXX   after receiving a statement where the promotional financing rate was not applied to this purchase.  Comenity replied that there were investigating the dispute and would not charge me interest in the meantime. I contact Comenity ag ain on  XXXX / XXXX /  XXXX   and received the same response - they were investigating.   As of  XXXX / XXXX /  XXXX   I still have not received any response on the status   of Comenity 's " investigation, '' however, Comenity has assessed me a finance charge of {$29.00} even though my outstanding balance consists solely of items purchased at this promotional financing rate.
I have had this same issue with Comenity with three prior purchases - where I made a purchase under a qualifying promotional purchase plan, but Comenity   still assessed interest. I have received excuses that this was a " mistake by the clerk who entered the purchase, '' or a " billing irregularity. '' Given the frequency this is happening and Comenity Bank 's slow response, I am concerned this may represent a purposefully deceptive business practice where they entice purchasers with advertised promotional financing rates they do not intend to honor. As I have been unable to resolve this issue with Comenity Bank themselves, I am hoping CFPB can assist.
My understanding is that, per the new laws enacted shortly after President Obama took office, credit companies were no longer permitted to apply payments in excess of the minimum balance to the lowest interest balances in favor of those w/ higher balances. In my case, today I contacted Synchrony Bank ( XXXX ) re : my Gap Visa from which I took a cash advance of {$1000.00} on XXXX/XXXX/16 and learned the following : I now have an overall balance of {$4000.00}, purchases are subject to an int rate of 25.24 % ; cash advances are subject to an int rate of 27.24 % HOWEVER even if i pay more than the minimum monthly payment ( ~ {$80.00} ) NONE of that additional payment can or will be applied to the cash advance balance until I have paid off the lower interest purchase balance IN FULL. Is this still allowed??
Wells Fargo account was positive XX/XX/XXXX and not actively using.
XX/XX/XXXX My identity was compromised, XXXX, XXXX, XXXX, XXXX, XXXX, ID etc.. XX/XX/XXXX walk into Wells Fargo inform of compromise request statements had n't been receiving, Told checking charged off with balance of {$430.00}, unauthorized transaction and reversal of funds, was not enough funds in account but allowed the transactions and was not enrolled in overdraft protection. My phone was damaged in XX/XX/XXXX had no access and my address changed several times according to banker. XX/XX/XXXX File first claim for {$890.00} unauthorized transaction.
XX/XX/XXXX claim denied said my card my pin, unauthorized transaction and requested documents they relied upon over the phone, twice, still yet to receive. XX/XX/XXXX many claims submitted and they submitted all as one totaling {$3200.00} XX/XX/XXXX email investigation complete errors found.called number provided they said credited {$390.00} which was funds they could recover {$600.00} waiting to see if can collect from 3rd party. Credited amount went to charge off and many o consider the case closed. Notices were confusing, again requested copies of documents they relied upon, have yet to receive. Notice states that XXXX did not post to which statements do n't reflect also requested specific charges they claim did n't post, have yet to receive. Uncertain as to which transactions were errors and actual total of errors.
THEY ARE CALLING MY NEWLY ISSUED WORK PHONE NUMBER ( LAND LINE ). I AM NOT THE PERSON THEY ARE LOOKING FOR. I HAVE ADVISED THEM OF THIS, AND ASKED THEM TO NOT CALL AGAIN, BUT THEY CONTINUE TO CALL 2-6 TIMES A DAY, PER MY CALLER ID. THEY HAVE CALLED ME A TOTAL OF 12 TIMES SINCE XX/XX/2017. I TOLD THEM TO STOP CALLING WHEN I ANSWERED THE FIRST CALL I EVER RECEIVED FROM THEM ON THE XXXX. THE PHONE # THEY ARE CALLING IS XXXX.
I took out a loan for   XXXX   XXXX   in 2001 account number  XXXX . I was solicited by Navient to consolidate my loans to get a lower interest rate which I believe I mislead and was locked into a terrible loan terms which has cost me three time in interest and I am left a victim of their prey on Naive people.
I took out {$140000.00} loan and I have paid {$310000.00} and they are asking for another {$71000.00} which continues to grow.