WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I paid off the mortgage and the check was made payable to XXXX. I have researched the property in the Maryland XXXX at XXXX and the release of lien or satisfaction of the mortgage was not reported by the lender. The loan initially started with XXXX XXXX and was transferred to XXXX, XXXX XXXX, and XXXX XXXX. 
Note that I did not receive correspondence from XXXX XXXX upon payoff of my loan. I wrote check # XXXX payable to XXXX XXXX for {$32000.00} from a XXXX XXXX XXXX checking account. I do not have a copy of the cancelled check. XXXX XXXX XXXX was acquired and is no longer in existence today. F.N.B. Corporation ( First National Bank ) acquired XXXX XXXX XXXX XXXX, the Baltimore-based holding company and parent of XXXX XXXX XXXX in XX/XX/XXXX. I contacted Customer Service at First National Bank, and I contacted the local branch of First National Bank in XXXX, Maryland requesting a copy of my cancelled check to prove that my lien was satisfied. First National Bank has been non-responsive and failed to return my call or follow-up on my request.
My husband and I moved cross-country early this year, and paid for both of our comprehensive credit reports through Experian so that we could have our credit reports to give to property management companies to look for rentals. As such, we were charged {$39.00} on XXXX/XXXX/XXXX for these services. 

However, on that date, we were unknowingly signed up for an Experian membership of some sort. We were not aware of this membership nor did we agree to the charges. We did n't access or use this membership in any form. Unfortunately, we only just recently caught this. 

We were charged {$4.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$24.00} on XXXX, {$24.00} on XXXX/XXXX/XXXX, and {$24.00} on XXXX/XXXX/XXXX ( this last one was refunded, see below, the rest totals {$170.00} ). 

We called Experian on XXXX/XXXX/XXXX. After lenghty holds and speaking to a manager, they only agreed to refund the pending transaction that was scheduled to be paid on XXXX/XXXX/XXXX. 

That any company, let alone a credit monitoring service that we have to use for things like securing housing, could unknowingly sign customers up for a membership should be illegal. That they responded with poor customer service makes me feel completely powerless and without any right to dispute these charges. 

I called Experian back on XXXX/XXXX/XXXX to file an official complaint with them, which, after 1.5 hours on hold, was noted. I am hoping that registering a formal complaint through CFPB and the FTC will result in some future remedy to protect others that might fall prey to the same very sneaky trap.
I check my balance and it stated I had around XXXX left in my account and everything went thru so I rented a movie from XXXX.after I returned the movie my balanced read it was in the negative XXXX.then a few hours later the XXXX charge disappeared from the report and now my balance was at around negative one.then the next day it stated I was at a negative XXXX.so I was afraid to put any money in till I figure out what is going on with my account.when I was able to speak with someone they said that my XXXX charge reversed itself and the XXXX charge must have been pending.i told them that on my end the XXXX went thru and I was afraid to put in any money cause I was n't getting the right balance.they automatically assumed that I do n't keep a written log and know how to budget my finances is what the problem was.i told them that 's not the case and if I was getting the right information I would have fix the problem before any fees occurred.so they told me that they would take off the XXXX overdraft fee however they ca n't take off the other fees.i told them I need the other fees taken care of but they refused to do anything about it.i do n't appreciate how they treated me.they should of been able to taken care of all the fees and look into what they could do so it will not happen again.i do n't like how they assume that I do n't know how to budget and they did n't do anything g to report the issue so it could be fix.
I filed for chapter XXXX protection 5 years ago and discharged/paid off the protection. I tried to get a home equity loan for repairs because a negitve by American Express still on my report that should be removed since they were XXXX of the creditors that were part of the bankruptcy. Why is this negative report still on my credit report.
I received a letter from LVNV funding stating that they had purchased a debt from XXXX. I told them I have never heard of such a debt. The first time they called and I stated I would like them to " Cease and desist '' as I had no idea what this was. 

The second time they called, they asked if I had received the notice they sent. I stated I had no knowledge of the debt. The lady then asked if I would like to resolve the debt or if I would like her to " put a lien on everything I own ''. At that point I hung up
I negotiated a new lease on my XXXX XXXX with XXXX XXXX in XXXX XXXX, Florida. Despite a 3 hour negotiation none of the XXXX employees advised me that my lease for the new car would overlap the last month of the old car. This resulted in my making two payments in one month for one car. If I had known I would have opted to either negotiate that XXXX pay off my last payment or I would have opted to wait a month before signing a new lease. 

The result is I paid {$250.00} to XXXX for a car I had returned during the signing of a new lease. I feel this practice was either deliberate or the sales personnel were to eager to sign a new contract that their attitude was the consumer be damned.
Ocwen Loan Servicing is charging me an additional {$2000.00} in " fees ''. When I have asked for documentation of these fees, they sent me an email with fees dated from XX/XX/XXXX to XX/XX/XXXX. I was not with Ocwen - I was with Litton Loan Servicing at the time. Ocwen took over all the mortgage in late XX/XX/XXXX/early XX/XX/XXXX. I have NEVER been notified about these fees ever until I had another dispute that has been settled with Ocwen. Many times since I have been with Ocwen, I have had a XXXX balance and no mention of fees from the prior company. It is only NOW, SIX YEARS LATER that they start talking about fees. This is a scam!!!!! Ocwen needs to be shut down!
I received a notice of a loan available to me from Mariner Finance in XX/XX/XXXX. I went to the bank branch in person ( about 1 hour away from my home ) to take out a personal loan in the amount of {$1500.00}. I received less than this because about {$400.00} of that was the cost of taking out the loan. I made my first payment online in XX/XX/XXXX and signed up for automatic payments through my bank. I never received a statement from these people. In XX/XX/XXXX I get a phone call from Mariner Finance telling me I missed my payments. I explained to them that I was signed up for automatic payments but they said there must have been a problem because even though she could see that I had signed up for the automatic payments, it didn't go through. At that moment I paid two months over the phone with the representative and signed up again for automatic payments with the representative verifying the bank information. Again this company never sent ANY statements and I assumed everything was fine since I could see from my bank statements that they were taking the money from my account. On XX/XX/XXXX, I get another call from Mariner Finance. The representative again claims I am late. I ask her how that is possible if I am with automatic payments. She says she does not know how I got kicked out of automatic payments but now I could only make cash payments ( at the branch 1 hour away )! I tried to make an online payment but the system said no online payments allowed. I told the representative to send me a statement and all I get is a printed out list of payments. The list reveals that the first payment I made was reversed by them and again in XX/XX/XXXX. This company refuses to allow me to pay. They seem to want to make it impossible to pay their debt. It all seems VERY shady to me. I can not drive 1 hour every month to pay this bill. I honestly think this company has serious irregularities that should be looked into.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA- XXXX XXXX Dear Capital One, Capital One Credit card ending XXXX Today ( XXXX2018 XXXX XXXX PCT ) I called your customer assistant Plan department and answered XXXX and asking payment assistant plan for above account number. Begin she not treated me as a valued customer and she asking same questions again and again. I told her I had account Last 4 number ending XXXX already in Payment assistant plan and I need to sing up with this account as well. 
She without checking said for me your both account current and not eligible for payment plan. I felt she given me wrong information. And same time she treated me unprofessional and I felt discrimination. 
I told her to transfer to account supervisor and I spoken with XXXX ( Customer Advocate Department ). She also very unprofessional  behavior and she cover it up XXXX XXXX was right. She basically said I have to skipped 4 months minimum payment and get my accounts past due and call again and see I am eligible to payment plan. I felt also she discrimination on me. 
She transferred my call to executive office and answered my call XXXX ( ID : XXXX ). She also not help me out and she not give any positive feedback. I felt each persons treated me very unprofessional. 
I having hard time financial situation and I loved to keep this account open and Please help me reduction APR for short period really appreciated. 

Thank you .. 
XXXX XXXX XXXX
Recently i received a copy of my credit report which showed Inquiries & Accounts i didnt not authorize. I understand and aware that you should not put an inquiries or accounts on my file unless i have approved it. I have provided you with the information and the a previous police report i sent a few months. Your company never responded and i am now XXXX bothered, and XXXX. I am currently working with an XXXX to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and accounts removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiry accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized account & inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

XXXX XXXX XXXX
After speaking with Discover Card regarding their illegal activity ( pulling from a known closed checking account ) I filed a complaint with the CFPB. Subsequently, Discover Card has maliciously closed my account. 

Discover Card clearly must be audited for their illegal and discriminatory practice 's. Consumers have a right to dispute charges as well as file a complaint without having to feel their account, credit, or access to credit will be put into jeopardy.
The company is Navient. I got behind but am working on getting caught up. I paid XXXX $ last month ( XX/XX/XXXX ) was told that it would get my loan back on track, got an email a few days later stating that I owe XXXX . I call to set up a payment on X/X/17 and the guy on the other end asked if I wanted to pay XXXX $ to get caught up. I said no I want to set up a payment for X/XX/17 for the amount of XXXX $ ( all I can afford ). He asked about my phone info and I told him that I give it every time I talk to someone from this company. They do n't save my basic information. My mom goes online and it says that my payment of XXXX $ is past due. So having been told of numerous different numbers, I do n't know which one to believe. They call at all hours of the day and night. Never leave messages. And after I make a payment they blow up my phone again. I cant deal with the harassing calls, the lack of knowledge how to save basic information. It 's causing stress and my lack to finish my degree, I 'm only 5 classes from completing. Please help me get through to these people. I 'm tired of dealing with them.
Chexsystems is reporting that I have some kind of defaulted or NSF Check or account and therefore I am unable to open a bank account. I filed a complaint with Chexsystems and they say No Information Found, yet they still report me. My Consumer ID is XXXX XXXX XXXX. This is incorrect and needs to be corrected immediately. They have provided no information to support their reporting. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MO. XXXX
Hello. Santander Consumer USA has placed an auto repossession on my credit reports which I disputed with the XXXX credit reporting agencies ( XXXX, XXXX, XXXX ), but they claim that they have verified this information with Santander. The credit reporting agencies gave me the name and address of the creditor that they supposedly used to verify this information and directed me to them. On XXXX XXXX, 2015, I mailed a dispute letter directly to Santander at the address given to me by the credit reporting agencies. I sent the letter via certified XXXX with a return receipt. The XXXX confirmed that the dispute letter was delivered on XXXX XXXX, 2015. To date, I have n't heard anything back from them.
I have sent a numerous amount of dispute letters to Equifax about  XXXX   XXXX   XXXX  whom is collecting a debt for a company I does not recognize   XXXX   XXXX   XXXX   XXXX  . I written to ask Equifax that i have never had a account with   XXXX   XXXX   XXXX   XXXX   and I would like for documentation that shows that I had a account with this company but Equifax email me stating that this account was VERIFIED which does n't prove that i had an account with this company. The collection agency in which trying to collect this debt is unfairly stopping me from improving my credit by reporting unfairly to Equifax stating I owe  XXXX  the amount {$1500.00} and I have no knowledge of having an account with this company.
My mortgage had remained with BB & T Bank since early XXXX when they bought my mortgage from another institution.I pay {$1100.00} as my mortgage and an extra {$100.00} that goes to my principal.My payment period starts XXXX day to XXXX day of every month which BB & T draws from my Account with the bank ( bb & t ) automatically.Incidentally, my XXXX XXXX mortgage was deposited into my BB & T account ( {$1300.00} ) cash around XXXX on XXXX XXXX, which is within my payment period.Surprisingly, BB & t slammed {$47.00} late fee, {$36.00} for belated automatic withdrawal on XXXX/XXXX/XXXX and another {$36.00} on XXXX/XXXX/XXXX when they collected the money that had been in my bb & t account cash since XXXX.When I called the Bank, the {$47.00} late fee was waived, but I am asking for complete refund the remaining {$72.00} which is still hanging.Please help me resolve this kind of shabby treatment particularly given to me by BB & T , as this is not the first time.Thanks.
I am in the processing of selling my home and the mortgage company sent me a payoff that is XXXX over the principle balance in the monthly statements they have been sending me. I have requested for 2 months for an explanation of the reason for the dollar amount of the principle and to this date XXXX/XXXX/XXXX have not received an explanation. Back in XXXX XXXX I requested an explanation of the loan summary and never got a response. I am attaching the email I sent them asking questions that were never answered. 
To : SN Servicing Corp XXXX XXXX, XXXX Attention : XXXX XXXX Re : Loan XXXX, After we have reviewed our loan history you provided, we have questions. Please look over and send explanations of the following questions : 1 ) It is our understanding once the Bankruptcy was approved, all past due P & I and any late or legal fees were included in the amount for the Bankruptcy. But it does n't appear based on the loan history you provided, that this is correct. 
2 ) It is also our understanding that there should be a late fee applied only if our payment is 16 days or more past the due date ( the XXXX of the month ), since going into Bankruptcy. But it appears that there are late fees applied when it should not have been. 
3 ) The loan history you provided shows our first payment on XXXX/XXXX/XXXX was applied to the XXXX/XXXX/XXXX payment and this payment according to the Bankruptcy was suppose to be applied for the XXXX/XXXX/XXXX payment. All payments that are applied since Bankruptcy started are being applied to past due payments that are included in the Bankruptcy total you presented to the Trustee. 
4 ) The loan history you provided shows at the time of Bankruptcy we were only XXXX payments behind and not XXXX payments according to what you provided the Trustee. 
5 ) There are many transaction descriptions that shows " other fee assessments '' and we understand the late fee for the payment, but what are all the other fee assessments. There is not a column for the balance of these transactions. 
6 ) There are many transactions for legal and attorney fees. We would like a description of what these are for. 
7 ) There is a column marked " Unapplied Balance '', we would like to know what this column represents and what are the monies going into this column. 
8 ) We would like an explanation regarding the P & I adjustments when no payment is being made. For example on XXXX/XXXX/XXXX our principle balance went up XXXX, but no explanation as to why it increased. 
9 ) When we make a payment, we understand that any monies over and above the payment amount is suppose to be applied to interest first then principle. On the loan history you provided, this is not always the case. 
I sent this email on XXXX XXXX, XXXX, and to this date have not been answered. I have researched an read complaints about this company. The only answer I would like to get is an honest one and oh yeah, an answers to my questions.
XXXX XXXX has this company Amsher or XXXX XXXX law harassing me about a balance owed to their company. I returned their equipment and sent it back to them and they will not stop calling me and will not remove the balnce from my credit report.
Accounts were being reported incorrectly to credit bureaus by the XXXX XXXX XXXX. XXXX has investigated and thus removed the accounts. I have contacted Transunion and XXXX via certified mail to follow suit and remove the accounts. I have not received an update as to the status of the request.
Currently a discharged bankruptcy is being reported by XXXX and Transunion after several disputes have been made due to improper validation of this public record. The court that filed the chapter XXXX bankruptcy stated they do not validate any public records filed ; which leads to improper reporting. The chapter XXXX was discharged and filed in XXXX 2011.
this collection agency keeps reporting that I received services from there practice. I have never had any medical treatment from this provider while not being insured. I 've always been covered under the florida medicaid office .There have always been a block on all XXXX of my credit filed due to identity theft. I 've disputed these fee with the collection agency and a few of the bills have been deleted but this company keep reporting medical bills for services that I never received.
i attended XXXX XXXX in texas for less than a month before they closed the school because they were taking students money. i never recived any money from XXXX but i have proof saying i paid it back but its still affecting my credit report. I also have XXXX apartments i lived at 3 years ago on my credit report and when i went to court for XXXX they told me they were not going to hold the money against me they just wanted me out the apartment i left but now it is also affecting my credit report. Then there is XXXX ER from XX/XX/XXXX and when i contacted XXXX from billing at the er she says their is no such bill due to the fact i have had medicade since XX/XX/XXXX.
Our mortgage was transferred from XXXX to Nationstar Mortgage effective XX/XX/2016. Prior to it being transferred we paid our XX/XX/XXXX bill like usual with XXXX. While setting up our online account with Nationstar we noticed our bank account information transferred over automatically and in turn our auto debit settings transferred over as well. The only issue appeared to be that it was going to skip the XX/XX/XXXX payment, take effect XX/XX/XXXX, and that we would have to manually pay the XX/XX/XXXX bill online. So I went ahead and did just that on XX/XX/XXXX, with 6 days left in the grace period. It was debited from our account on XX/XX/XXXX We then woke up on XX/XX/XXXX and noticed that Nationstar attempted to withdraw an additional full {$1100.00} mortgage payment from our account which resulted in a {$40.00} NSF fee from our bank, XXXX. We were confused as to why, but saw that the bill was payed so we ignored it. A week goes by and they again attempted to withdraw another {$1100.00} from us resulting in another {$40.00} NSF fee from our bank. I then called their customer service and spoke to someone that was the equivalent to speaking to a brick wall. She could not follow what I was saying and kept repeating the same thing like she was just reading off a script and did not have a mind of her own. After XXXX minutes of not getting anywhere with her I asked for a supervisor and was transferred to someone that, after having to repeat my issue a few more times, finally somewhat understood what I was saying. She conducted a few minutes of research and then finally assured me that I was all set and that it appeared to be a computer issue on their end. I contacted XXXX and they more than happily refunded the XXXX NSF fees. We then all went on our merry way thinking everything was rectified. Fast forward to today, XX/XX/XXXX I get a call from a rep at Nationstar saying we STILL OWED OUR XX/XX/XXXX MORTGAGE PAYMENT. I explained what had happened XXXX weeks ago and somehow they magically found that it was in fact payed and that the issue was XXXX had n't sent over the payment from XX/XX/XXXX. I do not understand at all how these issue keep occurring. I do not understand how their computer system can make this many mistakes. I do not know if someone is doing something maliciously or criminally, or if they are just incompetent. What I do know is that we will be searching for a new mortgage company and if there is XXXX more issue we will be moving.
I requested a credit report for me and my wife from Experian on their website. The company requested a credit card for the {$1.00} charge. A week later, XXXX charges for {$23.00} each showed up on my credit card. When I called Experian to get the charges removed, they said I agreed to the charges when I requested the credit report. They refuse to refund the charges. I spoke to a supervisor and to the corporate office in California and XXXX XXXX, and all refused or were unable to get the charges returned. Please help me with this, this company has ripped off thousands in this manner.