WillisBack/dataset-financial-user-claim huggingface dataset:
I had a mortgage from Countrywide originally. Then was bought by Bank of America after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. Bank of America then the mortgage was then bought by XXXX XXXX XXXX, Again all my payments were made on time. I have documents proofing this. I asked XXXX, XXXX   and XXXX  and sent the documents that I have from my XXXX XXXX  account proving the dates of payments. I received a letter back from XXXX that they would not change the lates on my report from both Bank of America and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either Bank of America or XXXX XXXX loans since 2012.
I have been trying for years to determine how my loans have the interest rate they purport to have because I do not believe it is correct. When I spoke with my loan servicer, I was advised to contact the department of education. When I contacted the department of education, they told me to contact my loan servicer. I was finally able to obtain a marginal print-out of my student loans but it STILL does not contain the ( 1 ) actual notes indicating the interest rate, and ( 2 ) it also failed to show some of the interest rates on my loans claiming that the interest rate is variable. Last year, I found a major discrepancy in how my interest was being capitalized which led to an approximate {$14000.00} modification to my outstanding loans. I want to make sure that the proper interest rate is being applied to my loans. 
Moreover, I want to confirm that the principal on my loans are correct as well. 
All avenues that I have tried have failed to provide me with : -proof of the interest rate ( as it was upon execution with my loan documents ) ; -proof of principal ( as it was upon execution with my loan documents ). 

I can not understand why no one can provide me with a copy of my loan documents, and also provide me with proof of my interest rates. 

I will pay the debt I owe, but I believe I am being overcharged. 

Thank you for your attention to this matter.
Yes .my XXXX card is reported lost and I asked for emergency cash option, well the option bva exercises is that you have to have a XXXX XXXX transfer done with a XXXX charge and was tolled 3 to 5 hours for a XXXX XXXX pick up .I 've been trying to to get a tracking number for 10 hours now and was now tolled it could take days for to get one .why do they call it an  emergency cash transaction if it could take days long?
My mortgage was sold to Loancare LLC in XX/XX/XXXX. We registered on their website to make the monthly payments via the web. When I tried to make my current payment, although I have fifteen day grace, I realized the company added a {$10.00} fee to my payment. As I read down the page, they started to charge their customers : On or 1-4 days after due date - No Fee 5-9 days after due date - {$5.00} 10-15 days after due date - {$10.00} Our due date is the first of the month and we paid it on XX/XX/XXXX. We have email & receipt confirmation of such, but they did not process/post the payment until XX/XX/XXXX. 

This was the first time we had to pay any such fee since our mortgage was sold. Ive made multiple calls to them and have had reps tell me it was a late fee or a service fee. When I would tell them this was a VA loan, they would change it to a processing fee. When I asked why we never had this until this month, they said the info was posted on their site a few months ago. I told them I never received this change in writing, as we have all of our monthly statements from them, the reps said again, it was posted online. 

I also asked how they could just change my terms and charge this fee, they would say if its paid before due date, there is no fee. So this is a late fee disguised as a service fee, where they fiddled with the dates to increase the fee to their benefit. The fee was listed as a One Time Draft Fee under a separate section. 

When I asked why my payment was not credited as being paid on the eighth, I was told its credited as the day its processed, not when its paid. This is clear violation of the Board of Governors of the Federal Reserve Systems XX/XX/XXXX final rule, that added 226.36 ( c ) to Regulation Z concerning mortgage loan servicing practices. Section 226.36 ( c ) requires loan servicers to credit a payment to a consumer 's loan account as of the date it is received, provided the consumer is not penalized by the delay in posting. 

I asked to speak to a manager and was told to submit my complaint in writing.
**The defective five XXXX XXXX XXXX XXXX gift cards were returned via XXXX as requested by XXXX Customer Service . The XXXX Tracking Number XXXX XXXX XXXX for the return was delivered on Tuesday XX/XX/2018 at XXXXXXXX XXXX  and signed for by XXXX XXXX. We have still not received our Citi credit from XXXX as Citi did not process the disputes in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). 


**The three defective XXXX XXXX XXXX XXXX gift cards were returned via XXXX as requested by XXXX Customer Service . The XXXX Tracking Number XXXX XXXX XXXX or the return was delivered on Thursday XX/XX/2018 at XXXXXXXX XXXX and signed for by XXXX. We have still not received our Citi credit from XXXX as Citi did not process the disputes in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). 



**The two defective XXXX XXXX XXXXXXXX XXXX gift cards were returned via XXXX as requested by XXXX Customer Service . The XXXX   Tracking Number XXXX or the return was delivered on Thursday XX/XX/2018 at XXXXXXXX XXXX and signed for by XXXX XXXX. We have still not received our Citi credit from XXXX as Citi did not process the disputes in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). 

**The defective XXXX XXXX XXXXXXXX XXXX gift card was returned via XXXX as requested by XXXX Customer Service . The XXXX XXXX XXXX  XXXX XXXX XXXX for the return was delivered on Thursday XX/XX/2018 at XXXXXXXX XXXX and signed for by XXXX XXXX. We have still not received our Citi credit from XXXX as Citi did not process the dispute in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ).
I have been looking for a house in XXXX XXXX S.C. and I was calling realtors requesting to see properties. All of them told me I needed to be approved by one of there lenders. I already had a lender but they pushed and pushed. The realtor I worked with showed me a copy of the mls listing and it stated specifically that I had to get pre-approved with there lender. Sounds like steering to me. here are some XXXX # 's that I saw that seemed to be inappropriate are # XXXX # XXXX # XXXX # XXXX # XXXX. I felt uncomfortable being pushed by the selling agent to use " there mortgage person ''
I want to depute a wire international transfer I made with USBank on XXXX/XXXX/16 for the amount of {$4100.00} the money should have arrived no later then XXXX/XXXX/2016 it.s now been more than 15 day and nobody knows what happened to the wire transfer. According to USBank the money was deposit and it should already been deposit to the account I provide to them but the deposit was never made. I have a copy of the wire transfer along with copies from the international back account receipt showing the money was never deposit. I want to find out what happen to the money so hopefully we can resolve this issue accordingly thanks.
I received a collection notice from FAM Alliance Ltd on a debt that I included in my recent chapter XXXX bankruptcy and was XXXX. The letter arrived after my bankruptcy was XXXX on XX/XX/2018
My husband pasted in XX/XX/XXXX. I informed Nation Star at that time Now Mr. Cooper Mortgage I had received a foreclosure letter within two months of my husband death.I went to XX/XX/XXXX Mortgage payment protection They began helping me with the Mortgage in XX/XX/XXXX they informed me at that time The Nationstar Mortgage could not give me late charges or late payments. Only because the XXXX XXXX XXXX XXXX XXXX XXXX  will be paying it for. That would be my Mortgage payments and escrow I was approve the loan amount of XXXX and a cushion XXXX XXXX was for Reinstatement to Nationstar. XXXX Monthly for 16 payments XX/XX/XXXX to Nationstar. XXXX Annual for payment to HOA. XXXX for Lender 's Cushion. Now Nationstar was also charging for late fee they removed them at that time the late fees which Nationstar removed after they were contacted by the XXXX XXXX XXXX. After that I started paying I have not been late.I lived her since XXXX Mr. Cooper Mortgage put me in for being late on XX/XX/XXXX and XX/XX/XXXX which lower my credit score I have been disputing these two late payments for those  months I believe in paying my debts, it hurts me that Mr. Cooper will not fix this issue. When I call I can get some of the most rudest costumer service. I have ever experience.
I was a victim of identity theft and there are several fraudulent inquiries on my credit report that needs to be removed XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
I have been reviewing my bank statements and have realized that when I use an ATM card I am being charged as much as {$7.00} - {$10.00} per transaction. I authorize the fee from the ATM so I should see an {$2.00} - {$3.00} fee on top of the money I am withdrawing, but I am also seeing that my bank is charging me a {$2.00} fee for a balance inquiry that I never agreed to and then they charge another {$2.00} for using a non- BOA machine, this is also not disclosed. So depending on the amount taken out at the ATM, these fees could be as much as 20 % of the money withdrawn on a {$40.00} ATM transaction ( XXXX {$40.00} ) this is worse than the short term money loans. All of the fees should be disclosed when doing an ATM transaction. My Bank is Bank of America.
JPMorgan Chase abruptly restricted my checking account for 3 days preventing me from using my own cash because apparently they sent me a letter asking my wife 's employment status and we did n't respond to this letter. They restricted my account without giving me any notification for such a simple reason. I was very negatively affected by this dumb decision because I did n't have any cash for 3 days and I could n't pay my bills and I almost missed my mortgage payment on my primary residence. Which one is more important to Chase? My wife 's employment information or my life, access to food and housing?
I began the process of a debt consolidation refinancing in XX/XX/XXXX. All forms were submitted and approved. I was sent the application to sign that would allow the appraisal and closing process to begin. Once I signed and submitted the paperwork the loan officer NMLS # XXXX did not return phone calls nor did his manager. Once I did receive a call back. I was told the application documents are computer generated and I was not approved based off income. When he verified income to produced application for signature. Then I was sent a letter stating that I indicated I no longer wish to proceed. A lie.
In XXXX XXXX had a total loss on a car that I purchased in XXXX the other company that was at fault XXXX auto pay them with the car was worth however Santander USA still says I owe over {$10000.00} at an interest rate of 17 % and they still charge me interest rate a daily interest rate as well a monthly payment of XXXX which I think is well over the federal law interest rate in Florida I tried to offer settlement because I can not still pay on the car do not have and at the time I was not working because of the car accident injuries they denied a settlement offer and it still charge me a daily interest rate FL from what I have paid and what the USA or have paid them in the car as well pay for. I was also infected by hurricane Irma, still consumer financial will not accept settlement and or no payment relief.
Hello, a short time ago I began house hunting with the dream of becoming a home owner I reviewed my report and I knew I was ready to purchase. When I went to meet with the lender I was advised my credit score had dropped tremendously making me no longer eligible for the rates for home. So then I find out XXXX inquires were reinserted on my report. No one every gave me notice they were removing inquires or that they were being placed back. I called TU and before I could say my name I was advised that I do n't have any rights pertaining to this matter. And I just do n't believe that to be true. I have worked extremely hard to improve my credit for the purchasing of my home and my dream was washed away due to someone else 's error. I waiting for months to see I would receive some sort of notification or letter of them being resubmitted and I still to this day have no received anything. not even an apology.
Student loan payments were made to XXXX XXXX since 2009. Every year I tried to reach out to them by mail asking for a receipt, there was no phone number to be found. I still made monthly payments while sending them a mailed request for receipts. Until a few years ago, my checks came back. I researched the law firm taking my payments, XXXX, XXXX XXXX XXXX XXXX, and found an attorney there who told me the PO BOX address had changed. At first he could not even find my account. I resent my payment, and also asked for reconciliation of the balance since I finally found someone to talk to. They could not find several of my payments I had made. I documented the check number of most of my payments, and also had some copies of old bank statements. They would not accept the bank statement as proof, as my bank only sent me the front of the check copy, not the back. I informed them I needed to stop my payments until they could reconcile the payments I made and agree to send me a receipt. They would not. Now the loan has been kicked back to XXXX XXXX XXXX for the full amount. I had already paid XXXX total. When I asked my bank to furbish the bank statements to prove I had made those payments, they stated after 10 years, all bank statements are deleted.
The balance from the Docs sent me as of XXXX/XXXX/2016 {$5600.00} in on XXXX XXXX I made a payment of XXXX dollars and today another payment of XXXX dollars, however since i received no statement in the mail I called today to inquire of the balance and was told that after today 's payment of {$500.00} the balance was XXXX dollars, clearly something is wrong.
I was called at XXXX XXXX and the woman on the line was extremely rude when I commented on the time
XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors. 
-There are no serious delinquency -time since delinquency is too recent/unknown. this is a bogus comment and must be removed. 
-number of accounts with delinquency. There are no delinquent accounts. 
Proportion of balances to credit limits is too high on bank revolving or other revolving accounts. This is totally inaccurate. XXXX accounts have been paid off. balances on other accounts have been significantly reduced, due to increasing minimum payments. 
- I have written credits on inquiries informing them that I do not recognized and request that they be removed. 
TRANSUNIONS credit files does not support latest credit scores. These scores continue to drop.
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : CONNS CREDIT CO The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, TX XXXX I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was mailed out XX/XX/XXXX, and was not able to be delivered due to them reporting the wrong address on the reports, again, a violation of the FCRA and FDCPA. 

I have just had the envelope returned to me, as it says it is an invalid address. This IS the address that Conns Credit was reporting on the credit reports, which in itself, is a violation of the FCRA and the FDCPA as they are reporting inaccurate info on my reports, not to mention the debt itself. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. Since they are reporting inaccurate info on the reports, it has now made it impossible for me to use my rights under the FCRA and FDCPA to get validation on this account, and makes it impossible for them to validate it within those 30 days as I mailed it to the address that they inaccurately put on the reports. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and Conns Credit Co have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.
I sent this company my validation request on XX/XX/XXXX. it wasn't just a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully requested them to provide me with competent evidence that I have any legal obligation with them. 
But to my surprise they have neither validated nor responded to my request. This is yet another effort to resolve this issue before I file a lawsuit against this company if it will continue to report unvalidated information on my credit file. 
For yet another time, please delete these unvalidated accounts asap : NCC BUSINESS SERVICES, Opened Date XX/XX/XXXX, Balance {$140.00}, High Balance {$140.00}. 
NCC BUSINESS SERVICES, Opened Date XX/XX/XXXX, Balance {$750.00}, High Balance {$750.00}. 

Attached herewith is the letter i sent this company ealier.
I have been unable to access my experian credit file via XXXX for the past couple years. I receive a message state to call an XXXX and they will mail one, which the have. Once I receive this completely inaccurate report, I have returned to experian 's website to dispute inaccurate information and I still have to access. I have mailed my disputes without a response on 2 separate occasions, I have made phone calls but after waiting for an hour or so i usually hang up., their website under contact us has no chat option or listed email addresses. I have done a free trail and accessed my account immediately due the possibility of profit for information required by law to come at no cost annually. I have download the experian app which states a freeze alert was place on my account XXXX/XXXX/17. After investigating how this happened on their website it states there is a {$5.00} charge for this. It is impossible to contact experian to see how this {$5.00} charge was paid. It also requires a fee to remove this freeze. I have clicked on remove a freeze alert and I am also denied access to any further information except printing out a page to fill out and mail. I am tired of trying to contact these people, I am trying to move into a new apartment and I am constantly denied due to experians freeze alert as well as information that has drastically changed i.e ... open dates, amounts owed on one account has increase a remarkable 400 % ( {$730.00} to {$2900.00} ) after disputing it with the creditor, who have also reaged the account. I feel Experian had never done any type of thorough investigation as it seems the claim the information is accurate according to the FCRA. Their failure to maintain accurate reports, do thorough investigations, as well as denying me access to my own information, while making any type of access to any type of emoloyee via phone, email, chat, and as far as I have seen US mail is illegal and is the cause of unneeded stress and aggravation. I have contacted a creditor from my report that stated they did not report false information and I need to speak with the reporting agency itself.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB step and remove the alleged account ATTORNEY GENERAL-XXXX
I contacted Suntrust Bank on XX/XX/2018 asking them to not pay my property taxes out of escrow since I had a contract to sell the house. They confirmed they could stop it on that day. 
The next day they took the money from my account in direct conflict of what I asked When I called back, I was told they could not stop the debit in time and {$2100.00} was taken from my account on XX/XX/2018. 

It is now three weeks later and the payment has not been sent to the tax authority. In other words, Suntrust Bank took my escrow money, did not pay the taxes and is refusing to reimburse me.