WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, XXXX Loancare paid the wrong parcel id number from my escrow account. The amount they paid was double what my property tax payment should have been, leaving me with a shortage in my escrow account. On or around XX/XX/XXXX I called Loancare to let them know that I received a delinquent notice from the county because my taxes were not paid. I also uploaded the delinquency notice to their website, as they told me to do. I was told I would hear back within 7 days, but I didn't so I called again on or around XX/XX/XXXX. I was told that the delinquency notice was showing up in the system, and again that I would hear back within the next 7 days. I received no call, so I called again on or around XX/XX/XXXX, and again on or around XX/XX/XXXX, and again on or around XX/XX/XXXX. Each time I explained that my payment has increased due to the " shortage '' in my escrow account, and that making the additional payment is a hardship for me. I have been advised 3 times that my issue has been escalated, and that I would receive a call back within XXXX hours, and I have only once received a call back to inform me that the tax department was reviewing and would get back to me ... which they never did. When I called again today, I was told they still have not corrected this issue. Now, my XXXX payment with the additional escrow payment is due in a couple of days, and there is still no resolution, which is very stressful.
I recently entered into a repayment plan with Navient. I was never informed by them that the payment was well below the required monthly interest assessed on my outstanding debt. This was very surprising to me, as I have been paying over {$200.00} per month on approximately {$25000.00} for over 20 years. Consequently, the repayment plan was adding to my overall principal because the unpaid monthly interest was being capitalized and thus, I was being charged interest on that unpaid interest. When I requested an amortization schedule, which I believe every borrower has a right to obtain, I was informed that the only documents available to me were linked on my account. None of those documents were a detailed accounting of how my payments have been distributed between principal and interest over the life of my loan repayment. They were merely summaries of my account which did not satisfy my request nor did it put my mind at ease that my loan repayment was, indeed, being administrated properly. Unknown to me, was the fact that Navient compounds interest daily. At an 8.25 % interest rate, I will never get this loan paid off. The company never ever provided information to me in order to gain some relief over this never-ending debt. If the government wants to bring down the debt, do n't penalize those of us that have paid our payments on time. Bring down the interest rates and do n't allow the loan providers to compound interest on a daily basis. That aside, I want an amortization schedule to review the accuracy of my payment distribution. Where can I legally obtain one? If the servicing entity can not provide it, who can? I think it should be unlawful to deny a borrower such information on money that he/ she has been repaying.
Because a late payment of one day after have been notified Capital One increased the Interest Rate from 21.90 % APR to 30.65 % APR. 


I talked with them and explained that because the due date was a weekend I forgot to make the payment and I realize of this after they sent me an email telling me that the payment was delayed. They waived the Late Payment Fee of {$39.00} but did n't change the Interest Rate. 


I told them that it was not fair and I will cancel the Credit Card in 24 Installments but they want to continue charging me the 30.65 % APR. 

I wonder what penalty they paid 8 years ago when the Government have to do a Bailout of the main Banks and give them billions of dollars? 

I want to cancel the Credit Card and pay the balance in 24 installments with a reasonable and fair Interest Rate.
I have been disputing this debt for months and they have not verified the debt properly, this debt is not mine and I asked for verification of the debt making sure that the debt is mine, I was contacted by a company by mail. XXXX XXXX, the debt was originated at XXXX XXXX XXXX XXXX XXXX in the year XXXX. That company sold the debt to a collection company, which is malicious and unethical business tactic. The company submitted documents that does not prove that the debt belongs to me.
I requested a balance transfer from an old credit card to a new XXXX from Wells Fargo. Allegedly there was an error in XXXX digit of the old credit card from which I was transfering, and the balance transfered was not from the intended account. I made a claim and it 's been XXXX days since the claim was initiated, and Wells Fargo still has not done anything and they will not provide any info besides that nothing has been resolved. No one has called me despite my many requests for info. Now I still have the old balance, plus wells Fargo applied to my new credit the transfer balance, so I have XXXX the debt. I just want them to do a reversal of the transaction.
Td Bank is not updating my bank status to the apps I have connected to my account. In particular, XXXX. I constantly have to reconnect the bank, and they almost never send reports to the app
On XX/XX/2018, I submitted a complaint to Transunion via the CFPB Complaint Portal stating that I sent one letter to the credit bureau on 3 separate occasions on XXXX, XX/XX/2018 and XX/XX/2018. Each time, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for collection accounts listed below that are reporting on my credit report. The credit bureau each time has failed to provide such proof. The complaint number on CFPB is XXXX. 

Transunion responded on XX/XX/2018 stating We do not provide dispute verification responses received from creditors. This response is not only unsatisfactory, it is non compliant and as a credit bureau, Transunion is not following the law. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), as a credit agency, Transunion is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that Transunion has on file of the accounts listed below. Under the FCRA, unverified accounts must be removed and if Transunion is unable to provide me a copy of verifiable proof, Transunion must remove the accounts listed below. Again, if Transunion can not provide Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts you have on file listed below, I demand these accounts be removed immediately. 

This complaint is my earnest attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 

To provide absolute clarity and to leave no further excuses or error for Transunion, I am specifically disputing the items below that include the account names and numbers : 1. XXXX XXXX   - # XXXX 2. PORTFOLIO RECOVERY # XXXX 3. XXXX XXXX   - # XXXX Additionally, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thank you.
Bank of America is claiming my account is under risk/fraud. However, after talking to them and XXXX the address they got on file is completely different than mine. My account was closed for some check of XXXX being deposited without the funds available. Now I ca n't open and account and neither can my wife, because unfortunately she was on the account with me.
XXXX XXXX has called several times from XXXX for an employee. The calls have been made to a business line that take multiple calls on multiple lines. The XXXX XXXX rep. XXXX XXXX notified the University that she needed to get into contact with the employee yesterday ( XX/XX/20 ) and we took a message and said that the employee is on leave and that they should try his personal number but we would relay the message. She gave us the supervisor 's contact information ( XXXX XXXX XXXX XXXX for the employee to call. Today, the rep was notified again that this was not an appropriate way to get in contact with the employee and was told not to call this number. The rep continues to call the number which has multiple phone lines attached to it and hang up. Our business line had to be set up to automatically be transferred to voicemail.
XX/XX/2018 balance XXXX i have contacted this company and asked for validation that this account belongs to me with a singed document of some sort and they have not provided me with anything
This is in reference to XXXX which was closed out. I have requested a letter from XXXX ( the servicer of the mortgage ) stating that the issues I experienced was from loan origination not servicing. XXXX has told me on many occasions that this was not a servicing issue but when they routed the letter through USAA, USAA prevented XXXX from sending the letter to me. Ms XXXX XXXX ( XXXX ) told me on XXXX XX/XX/XXXX 18 that they could not because I had filed a CFPB complaint. It is disappointing that a consumer would be denied a request for correspondence as a punitive action for filing a complaint. 

Additionally, even thought the previous complaint was closed out I am still out $ 800-1000 of pocket. 

Thanks.
I asked them not to call me they told me that all they will do is put a 14 day hold on the account and then continue the calls and that the only way for them to not call me was in writing. They also said that they sent out a letter for a settlement that i had not received due to not living at that address i asked them to honor the settlement but they refused due to not having in their system that i moved. He told me that he would be able to over ride the system to approve the settlement but only if it showed bad address but their system didnt even though i explained to them i moved 3 years ago.
XXXX   XXXX   XXXX  Account should be deleted as of  XXXX    XXXX   according to report  XXXX   ( have had problems in the past with prompt deletion when dealing with TransUnion directly ).
Coinbase locked me out of my account. 

They withdrew XXXX Bitcoin Cash and {$170.00} usd from my coin base account without authorization. 

In there defense I owe them XXXX, because a transaction didnt go through. I just need to access my account transfer my coin to fiat to pay them off. 

Problem I have is that I paid XXXX for my coin of bitcoin cash and they exchanged it for me at XXXX. Im up on all my other coin, this is not what I would exchange. If they just contacted me telling me I needed to pay them by XXXX everything would of been converted and theyd have there money. They didnt contact me and just locked me out. 

Case # XXXX
I just wanted to ad a quick note to previous complaint number ref XXXX I have not gotten any of the the info that I have ask the reporting agency to send me. also any of the requested info they have claimed to have investigate my dispute they tell me to contact the creditor but per the fcra section 609 act states that the reporting agencies has to have my sign ORIGINAL documents on file if the consumer request that info FROM EXPERIAN has to provide the info. at this point this company is in violate of the united states federal law I have a attached a file in the supporting documents of the US LAW AND I HAVE ASK THIS EXPERIAN FOR THIS INFO 10 TIMES AND THEY HAVE FAIL TO COMPLY WITH THE LAW PLEASE SEE ATTACHED DOCUMENT
I purchased a    XXXX   XXXX      from  Toyota f inance company around     XX/XX/XXXX - XX/XX/XXXX . In to the loan I ran into financial problem. I was taken to court and I was hit with a Child support bill and back pay. That crippled me for about 6 months. I could make the payment so I called and told toyota to come pick up the  XXXX . They came and got the  XXXX  and sold the  XXXX  at a auction and sent me a bill of  XXXX  to pay for the  XXXX . If i had  XXXX  to pay i would have kept the  XXXX . Now I have this law firm    XXXX   XXXX   XXXX   XXXX    harassing me. After the first time th ey where rude on the phone i blocked their number so I would not get calls from them. Then I went to pay m y Auto lo an online this month and it was denied. I called the bank and they told me that  XXXX   XXXX   XXXX   XXXX  has a lien hold on my bank account and will not let me take out any money. With no access to any money what can I do?
What is the complaint? The mortgage company XXXX is doing another BPO ( 5th time ) and continueing to delay short sale and not accept a property apprasier estimate that we gave to them and only accepting their BPO by real estate agent who are not certified appraiser. this is our second complaint, Please help and render justice to our situation as I am older and ill with hardship. 
I have a property up for short sale and closing listed with a realtor since XX/XX/XXXX. The property has a buyer and all paper work and documentation for this transaction has been provided. I AM TRYING TO AVOID FORECLOSURE. And feel my mortgage servicing company ( Ocwen ) is not acting in good faith as a fiduicary. Also use delaying tactics of requesting the same docs over and over again, having uncertified realtors act as as appraisers to come up with an BPO or valuation price for the property, which is unrealistic based on the damage and required repairs, etc. The property is listed as under XXXX, but their valuation price is over XXXX. What problems are you having? Ocwen is not accepting our licensed and certified appraisal sale price report in making their approval decision for the sale of property. We want them to used the certified appraisal report in the decision and act in good faith as required by law. Also we need the cash incentive offer to help with our moving expenses to be allowed due to all the delays in processing our transaction. What happened? The mortgage servicer had BPO done twice by unqualified appraisers ( realtors ), My realtor and I requested a copy of the lastest BPO done by their realtor in XX/XX/XXXX, and they denied such a report exist. Although my realtor talked to their realtor at such property and say it was to be kept confidential. We need a copy of the lastest valuation report prepared by the mortgage servicer. I believe their BPO is not a good faith estimate or fair market price. Certain factors such as damage and repairs should have been factored in determining the market value such as new roof, repair sewer septic tank system, garage door replacement, kitchen repair due to water damage and mold remediatation.
After being personally frustrated attempting to resolve an account hacking that likely occurred at a result of Scottrade 's recent data breach, I can honestly say I felt a strong desire to warn others about Scottrade 's behavior. 

If you are unaware, Scottrade requires you to sign an " Arbitration Agreement '' and prohibits you or Scottrade from using a court and jury to settle disputes. Instead, you are required to file Arbitration. 

In my situation, after my account was hacked and hundreds of thousands of fraudulent trades took place, I took all of the steps as outlined by Scottrade requests. I even got XXXX different police reports, multiple notarizations, etc, however, Scottrade stated that they will not refund money as a result of account hacks. 

I asked Scottrade how I could utilize the dispute resolution process with Arbitration because Scottrade does not include details of the arbitration forum or how to initiate Arbitration and instead responds with boilerplate letters that the issue should be resolved in the appropriate forum. 

I had previously asked Scottrade for a copy of the arbitration agreement and they refuse to respond. 

It seems to me that Scottrate unscrupulously, requires customers to sign an arbitration agreement but does not provide details on how to initiate a dispute via arbitration, effectively shielding themselves from all potential disputes and firmly stripping the rights of customers away. 

I can not put this more simply, if there is any dispute with Scottrade, they will provide a lacking and unhelpful response ( to please regulators who count papers ) and then direct you to Arbitration while simultaneously refusing to provide any details about the Arbitration. 

Perhaps unsurprisingly, Scottrade has engineered almost 100 % protection from any liability as a result of their wrongdoing. 

Do not do business with Scottrade.
XXXX, I found a home and wanted a home loan. Knowing I had excellent credit I came to find out my mortgage company and non payment on the XXXX loan of the mortgage for XX/XX/XXXX and XX/XX/XXXX. I called Guild Mortgage to see what was going on. It was a mistake on their behalf. I waited for FICO correction letters and they were not sent. I called again, was promised they would fix and send. I never got copies. In XX/XX/XXXX I found some few homes. So, I went to get a pre-approval again and was denied, again, for the same thing, but for XX/XX/XXXX. I called Guild it was a mistake they would fix it. I ended up trying to work with one of their loan person since they knew my obstacles and they knew it was a company mistake. 
They tried by sending me loan papers to sign without explain anything. They said I had to sign papers in order to get things started. It is not the first property I buy, so I know papers are never sign before starting anything. Here I am in XX/XX/XXXX still getting calls every month about me missing payments and every months it 's a mistake on their part and they will fix my FICO by sending a correction letters, which I have not seen, except for one.
On XXXX, XXXX I sent to Equifax certified letters asking them nicely to remove from my credit report the inquiries that I had not authorized. They are refusing to remove them from my credit report. I am asking once again that they remove them.
The XXXX  has stolen my credit card account number and charge to my account since on or about XX/XX/2018 until XX/XX/2018 even I didn't purchase .I contacted the Capital One credit card to report the fraudulent charge and to lock my credit card. After that, the XXXX still stole my new credit card account and continuously make a fraudulent charges ( in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 ) to my credit card. XXXX  told me that Capital One give them my information without my consent. On or about XX/XX/2018, I contact the Capital One credit card and asked why Capital one credit card stole my information and gave to the XXXX without my consent and the Capital one credit card refuse to give my any answer and refuse to remove the fraudulent charge on my credit card account. 
The XXXX is attempting to collect the debt which I do not owe. On or about XX/XX/2018, I received an email from XXXX demanding that I have to pay Immediately {$22.00} which I do not owe. On or about XX/XX/2018 the XXXX charge to my Capital One Credit card account with the amount of {$22.00}. On XX/XX/2018 I Called the XXXX and let them know that I never owe them any money. the XXXX threatened me that they would report me to Credit Bureaus and file lawsuit against me for the debt I do not owe.
I went to XXXX to get my report. The Experian questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.
The debt collection agency contacted us regarding a credit card debt of {$720.00}. The agency offered a settlement amount of {$500.00} from the original amount of {$720.00}. We agreed to the settlement amount of {$500.00}. We received notice that the agency did take the full {$720.00} from our bank account, not the agreed apon settlement amount of {$500.00}. This is a deceptive debt collection practice. We did contact the collection agency, however, I do not believe they will refund the money.
I have disputed inaccurate items on my credit report dating back to XX/XX/2018. XXXX and XXXX has repeatedly refused to delete the inaccurate items on my credit report in addition they have yet to send my results of the disputes. The 1st dispute was XX/XX/2018, The 2nd was XX/XX/2018, The 3rd was XX/XX/2018 and the most recent was XX/XX/2018. Every dispute was mailed by certified mail, but yet XXXX and XXXX   has not deleted or mailed by results to me. XXXX  and XXXX has gone over the allotted day for a dispute, which is 30 days. they have broken the law mandated by the ( FCRA ).
Describe what happened so we can understand the issue ... 
I XXXX XXXX have been fighting with my mortgage company CCO Mortgage loan # XXXX help me with a loan modification for over a year. CCO Mortgage has kept asking over and over again for the same documents that I have kept faxing them. The last request from them to complete a file was a quick claim deed that I had to struggle to get from my ex husband that I had to hire an attorney to help me get that last requirement. I was finally able to get a quick claim deed which I faxed over on XXXX XXXX 2015. I called back a week later and CCO Mortgage like always claim they have never received it so I refaxed it XXXX more times on XXXX XXXX 2015 and XXXX XXXX 2015 and XXXX XXXX 2015. CCO Mortgage Finally said that they have received the package and Per XXXX @ CCO Mortgage said the file was complete and going into underwriting to see what options are available to help me keep the home I love and adore. I called today to get an update and they advised me that the file was kicked out of review because of some 37 day rule I have never heard of. I did everything they asked have sent every possible form to them you can imagine and this is the treatment that I receive from CCO Mortgage its completely unfair and I deserve the right to keep my property.
I have been paying my federal student loans to a company I thought was helping me with student loan forgiveness. I was told if I made these XXXX monthly payments until the amount was paid, then my debt would be forgiven. I thought this was the same company as XXXX XXXX XXXX company, but when I called to confirm they said they never received my payments. I have been paying to the equit. service company since XX/XX/15 so over 3 years now. I spoke with a rep from XXXX XXXX and that's when she mentioned I was being scammed and that I needed to file a complaint to the state attorney and the federal government. This whole time, I thought I was paying towards my student loans and I was not.