WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was transferred from TIAA to XXXX XXXX on XX/XX/XXXX. I received a letter from Everbank on XX/XX/XXXX stating that wind insurance was required for our loan. This has not previously been a requirement for our loan and was not disclosed when the loan originated. I called Everbank to ask about this requirement. They stated that they had already purchased a wind insurance lender placed policy. I informed them that they had not provided me with the federally required 60 days notice and two written notifications. They acknowledged that since they 've only owned/serviced my loan for 14 days that they were in violation of this requirement. However, when I ask for the lender place policy to be removed they refused and stated that they would submit a research request that would take 15 days. I then informed them that I already have wind coverage under my main XXXX homeowner 's policy. On a 3 way phone call with Everbank, XXXX confirmed to Everbank that we already have wind coverage. I again asked for the lender placed policy to be removed and they again refused stating that I had to wait 2-5 days for the fax from XXXX confirming coverage to be processed and then 15 days for the research request. I spent 3 hours on the phone trying to remove an illegally placed and unnecessary lender placed insurance policy. This is abusive lending.
I would like to make a complaint against XXXX and Bank of America. XXXX charged me {$10.00} a month for a daycare service which I did not use. They did this for 14 months for a total of {$140.00}. I never agreed with them to charge me or take money out of my Bank of America credit card. I do have an account with XXXX for gym services only. However, I never agreed to be charged for the daycare which they just added without my permission. I notified Bank of America and they would not reverse the charges so I would like to complain against them as well.
I am being evaluated for a modification to a home equity loan I took out with Countrywide Mortgage proceeds used to pay medical bills for my XXXX XXXX XXXX. 
The loan I now know was a predator loan set up with variable rates based on the Prime rate. 

The loan was serviced by XXXX XXXX, XXXX who knew of my hardship and financial situation but never reached out to me to help during the time of the Making Home Affordable Programs nor would they provide the amount of the reset payment. I filed CFPB complaint # XXXX. My loan was transferred shortly after to be serviced by the Bank of America. At the time of transfer my rate was B 7.50 % which carried over to the Bank. 

It was very slow going with the Bank and I was not getting any answers to my inquiries so I filed CFPB complaint # XXXX. I have been working with a Customer Relations Manager ( s ) from the Bank since my complaint and provided them with the documents they requested. I am VERY CONCERNED about the outcome as their staff are questioning the documents and saying ; 1. The XXXX I submitted was not signed or legible, and was rejected by the IRS. 
When a financial friend submitted the same XXXX to the IRS, he received the tax transcripts the Bank needed. 
2. I submitted completed tax forms for the last tax year. My signature on the forms are being questioned because it different from my signature on previously submitted documents. Well ... I have a XXXX XXXX that causes XXXX XXXX, sometime not being able to XXXX XXXX XXXX XXXX. 

For the past two month I have not received my loan statements. I was not aware of the increase in my monthly payment and interest rate. There had been no increase in the Prime rate. So I called customer service to ask why the increase. I was given a reference #, told to fax my dispute to the Rate Dept. ( XXXX XXXX ) and call back the following week. 
When I did I was told the rate was where it should be. ( see attachments ) My rate had increased to 7.75 % from 7.50 %. I was never informed all this time of the increase. Prime had not changd so I continued to make the payments at the same amount as the previous months. 
This now reflects on my credit report as late. 

Now I know why at the biweekly phone conference why the CRM always asked had I made my payment just before he spoke about the new documents I needed to forward the Bank. 
I was in arrears, did n't know it and no one was telling me. I did n't have access to it online.
In XXXX 2016, XXXX XXXX closed all my checking and savings accounts and my credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts and security freezes on each of my credit reports : transunion, XXXX and XXXX.
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I have called each credit bureau and submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report.
I get no response other than new credit reports sent in the mail.
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Requested Action.
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Please contact each of the credit bureaus to remove ALL fraud alerts and security freezes so that my XXXX XXXX  can get information for my ready reserve applications.
My XXXX XXXX  has applies five times and can not get credit information to approve my application for new reserve accounts.
my name is XXXX XXXX and i received a notice from XXXX XXXX SERVICES XXXX DEPARTMENT INDICATING THAT I OWE XXXX TO HOUSE HOLD FINANCE. I HAD SETTLED MY ACCOUNT WITH HOUSEHOLD FINANCE XXXX YEARS A GO. THEY FILED A LAWSUIT AGAINST ME AND THROUGH AN ATTORNEY SETTLED THE MATTER AND THROUGH MY XXXX XXXX XXXX ACCOUNT AT THE TIME I PAID IN FULL THE SETTLEMENT AMOUNT THAT WAS AGREED UPON. NOW AFTER XXXX YEARS PLUS THEY HAVE DECIDED TO REFILE AND BREACH WHAT WAS AGREED UPON AT THE TIME AND SWINDLE MORE MONEY WHEN THE SETTLED AMOUNT WAS PAID IN FULL AND THE MATTER WAS CLOSED. PLS HELP ME WITH CLEARING THIS MATTER OFF MY NAME. I HAVE PAID THEM IN FULL AND THIS MATTER WAS SETTLED OVER XXXX YEARS AGO.
My vehicle was repossessed last Saturday XXXX. Full disclosure, this is the second repossession and the first was in XXXX XXXX. I redeemed the vehicle shortly after and have made every payment ( sometimes early ) which means I am NOT in default. According to my contract, my payments are due on the XXXX of each month. XXXX, XXXX, XXXX, and XXXX have all been paid. XXXX will be due soon. I am not understanding why my vehicle is gone. 
Let 's say I was in default, which according to my recent payment history i am not, according to my attorney, Go Financial illegally and wrongfully repossessed my vehicle. Below you will find the act according to Louisiana Law. 

Effective XXXX XXXX, XXXX, Louisiana 's Act 191 ( " Additional Default Remedies Act '' ) and Act 814 ( " Notice of Repossession '' ) permit a " secured party '' or " a lessor '' to take possession of collateral without judicial process provided : 1. ) the Security Agreement, or lease, contains the following specific wording : " Louisiana law permits repossession of motor vehicles without judicial process '', 2. ) prior to taking possession, a notice of intent is sent to all debtors, in writing, containing the specific wording : " Louisiana law permits repossession of motor vehicles without further notice or judicial process '', 3. ) a " payment '' default exceeding 30 days ( monthly installment contracts ) or 60 days ( weekly or bi-weekly contracts ) I never received a notice letter of intent. Because I was not 30 days behind. 
Nor can Go Financial show where I was 30 days behind. 
In addition, after the vehicle was taken, I contacted Go Financial. They gave me the recovery company info. After speaking with them, they asked if I would mind if I could meet up with the driver to sign a self-help vehicle surrender form which obviously needed to be signed beforehand. 
I am also in the process of filing a suit because I have lost a significant contract with a client worth $ XXXX. 
Lastly, I am requesting correspondence via email.
XXXX    XXXX   I contacted  XXXX ,  XXXX , Experian about a judgement on my report.  XXXX  and   XXXX   had no issues removing this judgement. Experian even after sending all the proof that its been paid they are still refusing to remove it from my credit report.
XXXX XXXX, 2017. In receipt of another generated response to the complaints filed with WFHM and after providing documents / receipts / Bank statements / direct payments WFHM excluded in their records. The information WFHM provided says nothing new, does not fully explain why they excluded pertinent information and why they are not reporting my mortgage to the credit bureaus. Additionally why WFHM continues to report my mortgage payments as late or not made at all, when they clearly have all of the information, receipts, etc, provided by myself and the Wells Fargo Branches. I have consistently reported this issue to the CFPB only to have WFHM send the CFPB generated responses, with no end result. The other issue I have is that WFHM is directly affecting my ability to re-finance, it also is directly affecting my credit score and ability to obtain new employment. To make matters worst WFHM in sending the incorrect information to re-finance, have directly resulted in a denial. With the information provided ( All Payment History/Month by Month ), WFHM will continually state that the information on their end still has missing payments. It would take a simple phone call to the branches to where the payments were made to resolve this information and clear up any confusion. Resulting in a apology letter from WFHM and compensation of any late fees attached.
inaccuracies disputed with TransUnion. 

MEDICAL Open Since XX/XX/XXXX Account Status Derogatory Current Balance {$96.00} Account Details MEDICAL Collection XX/XX/XXXX XX/XX/XXXX {$96.00} - Individual Payment Details ollection/Chargeoff MEDICAL Open Since XX/XX/XXXX Account Status Derogatory Current Balance {$110.00} Account Details MEDICAL Collection XX/XX/XXXX XX/XX/XXXX {$110.00} - Individual
XX/XX/2015, a credit card was opened with this lender using my social security number and date of birth under a different name that is not mine nor a name that I have ever gone by. I found out this past week that I became a victim of identity theft and have since contacted this lender and XXXX, XXXX and XXXX to flag my credit file for fraud. I have never had an account with this lender.
I 've spoken with a customer service rep from my servicer previously and the issue has not been resolved. The servicer has continued to not issue statements to me for my student loan balances. I did not receive statements, or even notice that statements were available, for the months of XX/XX/XXXX and XX/XX/XXXX. The servicer has created statements after payments were due and loaded them into my electronic account. As shown in the attachment ( see Discover Statements ), no statement has been created for the month of XX/XX/XXXX. The statement dates are typically the XXXX of each month and I usually receive an email notification that it is available on the XXXX of each month. There are two Regulation Z violations here : 1026.41 ( a ) ( 2 ) and 1026.41 ( b ). 

In addition, I received a call from Discover this morning stating that I have past due payments for the last two months. This is untrue and I have actually made two payments in the past three months well beyond the minimum amount due, including one payment of {$5000.00}. I asked to speak with a supervisor and he acknowledged that this was an error and that I have not missed any payments ; the servicer simply has not properly applied my balance. As a result, I consider the call I received this morning to be an abusive collection tactic ( XXXX ). 

I have attached a document ( Discover Correspondence ) showing all correspondence issued, in the past several months. Letters include confirmation of one-time payments, which they identified my payments as such because no payment was due ( since the servicer had not created statements for those months as of those payment dates ).
Received call on my cell phone XXXX XXXX XXXX on XX/XX/2018 approx. XXXX XXXX eastern Said I owed some kind of debt and there was a summons for my arrest I told him to get lost and he said was going to call every day and twice on Sunday and that he was from XXXX  the town of XXXX XXXX
I signed into the XXXX app to get my payday advancement and an notice popped up saying they ca n't view if I got paid because Wells Fargo blocked them from seeing I got paid. Maybe it 's because it 's the weekend. Not sure.
On or about XX/XX/XXXX a purchase was made with XXXX. Unfortunately an item was missing from the shopping bag that I was charged for and I called and spoke with XXXX who offered no assistance. Furthermore, a gift card was to be provided and the receipt was ripped in half thereby invalidating the gift card. I then disputed the charge with the credit card company. Initially they dispute the charge but then received a non-responsive answer from the merchant and reversed the charge on me on or about XX/XX/XXXX. This is despite them simultaneous sending me a letter from one XXXX XXXX asking me if I wanted to continue the dispute. They should have, at minimum, waited for me to answer before reversing the charge on me. Of course, they should have investigated the self-serving answer from the merchant. Once I received correspondence from XXXX I immediately called her more than a dozen times. But her phone kept ringing busy. I filled out the paperwork to dispute the charge and faxed it but only received a message from what sounded like XXXX but she does not speak English well. I then called back repeatedly, including today, at her extension, only to receive more busy signals. I am dismayed that Chase would handle my dispute in such a poor manner.
experian 's upload/dispute system does not function ... .I could not reinvestigate XXXX items. 
XXXX, acct. XXXX ... .is claiming XX/XX/XXXX XXXX.IT IS XX/XX/XXXX. 
PLS DELETE ACCOUNT. 

XXXX XXXX .... IS A PAID ACCOUNT. 
THE CURRENT AND PREVIOUS PRESIDENT OF USA HAVE CREATED LEGISLATION FORGIVING STUDENT LOANS AND REDUCING PAYMENTS WITH ATTATCHED FORGIVENESS BECAUSE OF UNEQUAL UNFAIR TREATMENT OF PERSONS UNDER THE LAW ... ..WHY PENALIZE ME WITH CREDIT DAMAGE AFTER I HAVE PAID MY LOAN ... PLS DELETE ACCOUNT THAT HAS MULTIPLE INACCURACIES IN PYMT HISTORY.
NCC Business Services Inc has sent me a notice for a debt from a apartment complex XXXX. I have not received any documentation for the debt from the apartment complex nor have I been taken to court by XXXX in Maryland and got a judgement against me. I am a identity theft victim I do not want NCC Business Services to use my personal contact information or contact me.
Experian Report # XXXX XX/XX/XXXX Experian has Inquires in which I put in an opt out 2 years ago in XX/XX/XXXXand XX/XX/XXXX and Experian still has companies doing Inquires that was shared and I did not consent and opt out for all promotional and inquires. I have inquires on my file that show and I want them removed. 

1 XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 XXXX XXXX XXXX XXXX XXXX 3 XXXX   XXXX XX/XX/XXXX XX/XX/XXXX 4 XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 5 XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6 XXXX XX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 7 XXXX XXXX XXXX XX/XX/XXXX 8 XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 9 XXXX XXXX XXXX  XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9 XXXX/XXXX XXXX XXXX 2 SHOWING 10 TOTAL CARD 11 XXXX 12 XXXX XXXX 13 XXXX XXXX 14 XXXX 15 XXXX XXXX XXXX XXXX 16 XXXX XXXX  XXXX XXXX 17 XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 20 XXXX XXXX XXXX 21 XXXX/XXXX/XXXX 22 XXXX  XXXX 23 XXXX XXXX XXXX 24 XXXX XXXX XXXX 25 XXXX/XXXX XXXX 26 XXXX/XXXX   XXXX 27 XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX 28 XXXX/XXXX  THERE SHOULD BE NO INQUIRES ON MY CREDIT FOR PROMOTIONAL OR ADVERTISING BEEN GOING TI MY CREDIT FILE WITH OUT MY CONSENT OR EXPERIAN JUST LETTING ME NO BEFPORE MAILING ME GETTING MY APPROVAL OR CONSENT Experian has a lot of marketing going on my credit file I did not request or apply for. 
XXXX
I completed a 36 month lease agreement for a XXXX honda XXXX with Honda Financial Services XX/XX/XXXX. Vehicle was turned in with 0 payments due. 45 days later While Honda Financial Services had possession of said vehicle, Honda Financial Services was given a detailed inspection list of wear and tear for end of lease damage. HONDA Financial services in returned billed me XXXX. I wasnt offered a new contract stating the terms of repayment for the end of term damage. I PAID the XXXX and a negative report was still reported to all 3 credit bureaus. The 45 days it took to create the damage report would definitely show that the XXXX bill wasn't a monthly payment. I've disputed error and I'm told account is mine, which I never denied being the leasee of the XXXX honda XXXX. 
as of XX/XX/XXXX Honda Financial Services still reports to the credit bureaus a car payment that was 60 days late. This is not fair. 7 years later I am still requesting they delete all history good or bad of this account from my credit report. Im requesting new laws on how fees accumulated at end of lease are collected.
XXXX Credit card was closed XX/XX/XXXX and there was a delinquent remark on XX/XX/XXXX from both TransUnion and XXXX.
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX  credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX  on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX
My wife and I have asked numerous times to stop calling us at work. 
When the call 2-3 times a day, the do not leave the name of the rep only XXXX.
On XX/XX/XXXX at approximately XXXX-XXXX, I made an online payment to Capital One Bank ( see attached ) in the amount of {$38.00}. At the time, I was unaware that payments made after XXXX on the due date were considered late and posted the next day. Currently, I have a 30-day late on my credit reports ( XXXX ) and also been denied a credit line increase with Capital One due to my " late payment history ''. I have had XXXX credit card accounts with Capital One for over a year and never paid late or after XXXX on the due date. I am now being penalized for a practice which is against the law. According to the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX or Credit CARD Act of XX/XX/XXXX, the practice of posting credit card payments ( made after XX/XX/XXXX on the due date ), the next day and counting it against the cardholder as a late payment is illegal.
I came into hardship when i had an XXXX XXXX i was out of work for almost 6 weeks before my loan was due i told them of the situation i came in before the day before i was due to see if i could get out on a Payment plan XXXX told me that would Just take longer to pay out and more money from me i told her i cant keep renewing loan she told if i can just bring in the XXXX how i did last time with XXXX that will be fine 2 days later i went back out of work again XXXX called me i told her i do not have anything i am not at work she asked if i could find someone to borrow XXXX dollars from i told her i will try but i doubt it she called my job my manager has told them to stop calling when i was relieved from the doctor to return back to work my very first day back i received a call from XXXX i told her i can not receive calls her and prior to that my manager has told her that today XXXX XXXX,2017 at approximately XXXX i received a call from XXXX stating she was XXXX with approved cash demanding i come in today to Renew or pay off my loan or she will take me to court i then told her i ask you to not call here and your calling me on a cell phone i then hung. This company has been doing rollovers when they know a customer cant afford to bring the whole payback amount, they denied me the extended Payment plan, wont stop calling my place of employment, and has threatened me with legal while im at work on a work landline, this is embarrassment, harrassment and due to this i am now getting wrote up by my employer for personal calls and could be possibly terminated
From direct deposits being rejected to having the account closed unexpectedly ( customer security intake rep was extremely rude ) to waiting since XXXX XXXX, 2017 to receive a check for what was left in the account, it has been a nightmare and I could never recommend capital one bank to anyone, based upon my own experience. I 've also left several messages for the customer security intake team since XXXX XXXX to find out why my check has n't arrived. I 've yet to receive a call back. I had to speak with a supervisor just for her to tell me that a check was n't sent out until XXXX XXXX. I finally received the check on XXXX XXXX and dated XXXX XXXX. The check also indicates that, I requested closure of the account which is a complete fallacy. I was never told why my account was closed.
Fast forward to today, XXXX XXXX and I am having trouble cashing the check. I just left another voicemail for the security intake because the representative in customer service says that they are the only department that can verify funds. The XXXX XXXX XXXX will not cash the check because they say Capital One has a history of returned checks and that they could n't get anyone on the phone to verify the funds.
XX/XX/XXXX ... .Visit Citizens Bank . check act balance [ {$260.00} ] ... Service Charges total [ {$350.00} ] for 14 months [ {$25.00} each month ] started XX/XX/XXXX I closed my account and withdraw my balance [ {$260.00} ]. I had no statements for fourteen months, no emails, no simple phone call. 

XX/XX/XXXX Visit Citizens Bank ... met with branch manager ... .she reimbursed me with {$50.00} ... .and she said some one will call you monday or tuesday or wednesday or thursday ... ... ... .no body call XX/XX/XXXX Now ... Citizens Bank owe me {$300.00} ... ... my account was a normal account ... .no minimum balance.