WillisBack/dataset-financial-user-claim huggingface dataset:
i started contacting them in  XXXX  concerning an entry of a bankruptcy. i sent a letter to clerk of courts office and was sent a letter saying this information belongs to someone else.  XXXX   stated they used a third party to verify information but my report has security freezes on them.so they are being untruthful and is only suppose to take 30 days to investigate and it is way beyond that time.
I received a response to my complaint against US Bank ; however, I have not received the refund, nor my account statements in question. This has happened once before in 2009 and is a current issue as well. I believe that I am owed more and would need to investigate the transactions for overdraft fees. The CFPB file number is XXXX.
The loan has been here since 1996. I have made payment and made arrangement in the pass XXXX. The loan was sold to Navient loan company. The new balance is XXXX the loan was only XXXX. I was told I can get debt forbearance to remove the loan entirety. The company has been in lawsuits and other fraudulent behaviors. I asking for loan to be look at and see if I owe the amount in question. I getting phone calls from 10 different numbers a week. Need you help on this delicate matter.
Suntrust Mortgage is basing an increase in my escrow account without taking into account an official estimate of my new tax amount for this year. I was eligible to benefit from a significant reduction in my county real estate tax by way of having been granted an over XXXX homestead exemption. My tax was reduced from {$1500.00} to approximately {$600.00}. The new computation is a high estimate based on my previous tax bill of {$150000.00}. 
I received an official document from XXXX XXXX, XXXX on the form that they commonly use for this purpose. The document is signed by the appropriate county employee and, as suggested by Suntrust, sent the document to Suntrust. Suntrust has advised me that they have this form in their possession. 
Suntrust recently calculated my escrow and payment based upon the previously mentioned higher amount. The stated reason was because their research department was unable to verify the new lower tax amount. I admit they I do n't know who they spoke with but I did attempt to have them contact the person that issued me the homestead exemption and the new estimate. The Suntrust employee told me that they do n't work that way. I advised them that federal law protected consumers from this type of problem. My suggestion is that they simply contact the person who signed on the county form and confirm the validity of the document. 
The approximate {$600.00} new tax amount does reflect the homestead reduction and is based upon last year 's tax amount with a reasonable increase in millage rate. In other words it is a county official 's best estimate of what my county tax bill will be for XX/XX/XXXX. 
The increase in my payment is almost {$90.00} per month and is not only burdensome but unfounded. I f they truly have a research department they should resolve this by contacting the county official that signed the document and adjust my escrow appropriately.
Synopsis of credit denial. 
I believe denial of a commercial business loan by Bank of America for XXXX XXXX XXXX XXXX, XXXX, with which they have a 12 year positive payment history, which has unpledged assets greater than 4 times the principal value of the loan requested, and in which they initiated the transaction and presented a loan proposal having all credit information, both personal and business available to them prior to the proposal having been made, and then basing the commercial loan denial on a personal home foreclosure was an excuse and not the true reason for the loan denial. The true reason can only be related to the telephone interview with XXXX XXXX XXXX. On XX/XX/XXXX, prior to the telephone interview, my financial and credit history with Bank of America had been sufficiently positive for XXXX XXXX to contact me and inquire if I wanted to refinance the balloon. On XX/XX/XXXX, also prior to the telephone interview, my financial and credit history was sufficiently positive to have been presented a loan proposal by XXXX XXXX. After review of my personal and business financial documents, practice profile and P & L Statement by the compliance team, but prior to the telephone interview, my financial and credit history with Bank of America had been deemed acceptable enough to proceed with a telephone interview and therefore to continue with the loan process. The 19 year old XXXX bankruptcy was known to Bank of America and the foreclosure information was available to them prior to XXXX XXXX initial query about refinancing the balloon. This information was available to Bank of America prior to the loan proposals having been provided or the collection of financial documents or the telephone interview. Therefore, based on the reasons cited by Bank of America for denying the commercial loan, there should never have been an inquiry regarding refinancing the balloon, a loan proposal presented, collection of financial records, or a telephone interview. Ostensibly, the one impediment to granting the loan was known to Bank of America before the process began. After having been told specifically by XXXX XXXX that the business financials were acceptable for loan approval something associated with the telephone interview that is not related to the financials, either personal or business, was the true reason for the loan denial. 

The primary question is what could be revealed about a loan applicant that is not discernible on paper? The answer : one 's race is easily discernible linguistically. I believe being linguistically profiled as XXXX is the unspoken and true reason for my business 's commercial loan denial. XXXX XXXX of XXXX University published work affirming that racial identity could be very accurately determined by voice. XXXX, XXXX. XXXX XXXX XXXX XXXX ; XXXX. Discriminatory lending practices are consistent with Bank of America 's lending ethos, specifically in XX/XX/XXXX when they settled unfair lending claims for {$330.00} XXXX dollars, in XX/XX/XXXX when they agreed to pay {$10.00} XXXX dollars over loan discrimination changes and most recently in XX/XX/XXXX when they were charged by HUD for discriminatory lending practices.
Card number ending in  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Texas  XXXX  Las t 4  of SS #  XXXX  I am reporting a matter that I am having with Regions Bank. I was scammed by a company claiming to provide work from home services but the program is not legitimate. I informed the bank and they are refusing to honor a legitimate claim.     (  1 )    XXXX   XXXX    XXXX  {$7.00 } ( 2 )    XXXX   XXXX    XXXX  {$19.00 } I need t hese funds returned at once. Please assist me in this matter.
I received a loan modification offer unsolicited from Seterus. I spoke with a representative on XX/XX/XXXX about the terms of any modification, and she offered no information whatsoever on the terms only that the payment would be XXXX/mo lower, and simply offered a wait and see attitude. This wasnt a mistake that the terms were not revealed until mid-XX/XX/XXXX ( to add 40 years to the balance of the loan ). I also never asked to be in the program in the first place, I simply logged in one day to discover I was in the program, without notice. Most importantly, the program/staff fail to mention that if the offer isnt accepted the reduced monthly payments that were being accepted and also reported as current on their site would then, and without notice, retroactively NOT be accepted or applied as monthly payments and used instead to manufacture a default, thereby fraudulently generating thousands of dollars in fees and missed monthly payments that must be paid as a lump sum reinstatement under the threat of foreclosure with the ultimate aim to capture my equity in the property. Seterus then stated I was in foreclosure and demanded on XX/XX/XXXX {$5800.00} to bring the loan current through XX/XX/XXXX with no mention/accounting of what  happened to my reduced loan payments made during the trial period. I paid the money but the reinstatement amount and the tactics used to arrive at this figure were unfair, deceptive, fraudulent and a clear example of predatory mortgage servicing.
OnXX/XX/XXXX 2017 I received a call from Admin Recovery LLC. During the call the representative was being abusive, threatening, and unfair. I then spoke with the manager at this company on a different call within 5 minutes of ending the call with the first representative, the manager did not verify my identity and a third party was informed of my personal information. The manager was also abusive and called me a liar without getting proper information to see if I was being truthful or not ; which I was being truthful. Admin Recovery is a rude collection agency. The amount owed to the company is around {$2000.00}
Signed up  for Extended Repayment Plan, was promised my payment would be a specific amount per month but my payment amount has not changed for the past three months. Navient keeps saying I have to pay {$100.00} for a forbearance and then after a month my Repayment Plan will kick in, IT STILL HASNT. It 's been THREE MONTHS. I keep getting the run-around with Navient. They will not work with you even if your loan payments are more than your rent and the food you consume. This past month, the lady on the Navient customer service said to just pay a payment for {$270.00} ( my Repayment Plan amount  ) and I would not get a past due amount, and guess what I have a past due amount. This is ridiculous. I do not know what to do anymore, but this is n't right.
I recently applied for credit and to my amazement, saw that you are still reporting me as being late -- even though in XX/XX/2016, a representative from Suntrust agreed I had never been late, said the fault was Suntrust 's, apologized, and assured me Suntrust would clear the errors with the credit bureaus. 

Explanation : When I purchased my home, my loan payment was {$1200.00} then it adjusted to {$1700.00} in XX/XX/2016 without notice. I never received notice that it changed. I made my payment on time each and every month, but because of the amount Suntrust accepted the payment but did not credit the account, my payments were not properly recorded. Nobody said anything about a different payment in the branch. I visit the branch and make every payment. Then to further mess things up, Suntrust put one of my payments toward extra principle balance and reported me late on top of it!
My loan was sold to another company, I made arrangement with the other company and paid my loan. The original company refuse to remove their name off my credit report. They are still reporting charge off.
On or about XXXX XXXX, XXXX the XXXX XXXX XXXX in XXXX XXXX erroneously submitted a claim # XXXX to my insurance XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alleging that they tested me for Vitamin D deficiency. 

On or about XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reviewed an appeal submitted to them by the XXXX XXXX and upheld the previous denials. And essentially stating that the alleged laboratory procedure was " considered not medically necessary in clinical situations such as with this patient who is XXXX without a documented risk factor for vitamin D deficiency, who is not institutionalized, and who is not at documented risk for developing complications related to vitamin D deficiency. '' A more detail explanation of the denial is set forth in the XXXX XXXX, XXXX sent herewith. 

In a nutshell, the XXXX XXXX is attempting to collect {$320.00} of monies not owed by me. Such alleged laboratory testing procedure was not authorized by me and clearly not medically necessary.
we have been with green tree for 16 years they have harassed us from the being they have threated calling all the time, the were charging us extra saying it was for our property taxes and we recentally found out they were n't paying our property taxes we pretty much have been paying over a {$1000.00} a month for 16 years and still owe almost as much as we did when we started, this company needs to be shut down
I went to a Western Union office in a XXXX XXXX # XXXX in XXXX, AZ with cash to send to XXXX for some glass bottles for my perfume business. XXXX entered all the information on his terminal. ( XX/XX/18 ) I gave him my passport and driver 's license for identification. When he had it all entered and I proofed the entry I gave him {$2300.00} in cash. He gave me the store receipt for the cash I gave him and the terminal receipt. I was just about to leave when he said, " Wait, they placed HOLD on your account. We need to call XXXX and you need to answer a few questions before they send the money. '' Then we called and they put us on hold for 45 minutes. We gave up thinking they forgot us -- called back and after about 10 minutes they picked up. We explained that I needed to answer some questions before they'd send the money. They said, there is no supervisor here right now -- we will call you back in 2-3 hours. No one returned the call. The next morning I called the number and was on hold 1:12 minutes before I gave up and decided to head back to the store. They listened to my problem and called the phone number they had which was the same as mine -- waited again on hold for 45 minutes. Hung up tried a different phone number the store had -- waited explained what we needed -- put us on hold again. Spent a total of an hour there getting no answers. I asked to speak with the store manager : XXXX. She said she could do nothing about the loss of my money and I would have to take it up with Western Union. I'm frustrated as I can't email them -- and all they do is put me on hold for hours. It's like they are holding my money hostage. I've never used Western Union before and will never use them again. But I deserve to get my cash back as I got no service for fees rendered and much distress. Thank you.
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for several accounts and services that he never authorized. An application with XXXX/XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX. While no accounts were established the applications left fraudulent related inquiries on his credit reports with XXXX and XXXX. Official disputes of each of these were sent to the each company however a credit report reviewed today XX/XX/XXXX listed these three remaining items. These items are in violation of FCRA and should be removed.
There are people fro m e z mo ney loan which no longer exists calling me and threatening to have me arrested for fraud and that my probation will be revoked. I called  e z lo an and was told th at e z mon ey loan no longer exists. It went bankrupt and all loans that were through them were written off and I no longer owe them. The people calling me and threatening me are the frauds. They said I had to pay {$390.00} by  XXXX  today  XXXX   XXXX ,  2017 o r a warrant would be issued to arrest me for check fraud. The people calling me is saying they work for Texas. Their names are  XXXX   XXXX  and  XXXX   XXXX  at  XXXX  extension  XXXX . And a  XXXX  that says she works f or e z money loan Corp a t  XXXX .
On XX/XX/XXXX I submitted to Freedom Mortgage a Notice of Appraised Value from the XXXX County appraisal District. to notify them of the tax value increase from the prior year. This home was a new construction and had not yet been taxed on the improvements. I sent the document in in order for Freedom Mortgage to do an escrow analysis and increase my payments so I would not be short in the escrow account at the end of the year. I wanted to make a payment to bring the shortage current and then have my payments adjusted higher in order to get to what the payments should be. However they refused to adjust my payments this was found out by a phone call on XX/XX/XXXX. I called since I had not received documentation on the outcome of the escrow analysis only to find out that they were refusing to re-evaluate my payment. I want to get this correct so it does not financially impact my family negatively. I know the account is short and I know my payments are too low, I do not want them to increase the payment by {$1000.00} at the start of next year because they refused to do the escrow analysis this year. It would be a great burden on my family and we would have to sell the home.
XXXX XXXX XXXX ( " XXXX '' ) serviced our mortgage until XX/XX/2013. Our  mortgage was sold to XXXX that month, after XXXX puller their business out of most of Maine. Prior to the transfer XXXX agreed to modify our loan to allow us to bring our payments up to date. We recently attempted to obtain a home equity loan with XXXX however XXXX continues to show our late payments on our credit reports. We have written to the three major credit reporting agencies and requested that they delete the negative item, but they will not do so without XXXX 's action. We have asked XXXX to remove the negative item from our credit reports, but the company refused to do so. Given the fact that XXXX has not serviced our loan in nearly five years, we feel that continuing to report a negative item to the credit reporting agencies only serves as an open ended punishment.
There is a Barclays Bank credit card that has appeared on my credit score. I do not have this card or any other with Barclays Bank. I have not applied for ANY new credit cards. Apparently this may belong to someone else with the same name. there was no use on it at the time it was brought to my attention. Thank you
In XX/XX/XXXX I received a letter from Statebridge Company ( Lender ) requesting proof of property insurance for my home located at XXXX XXXX XXXX XXXX XXXX, Florida XXXX - Loan Number XXXX. On XX/XX/XXXX I sent proof of insurance for said property, via fax, to the fax number provided by the lender ( XXXX ) Fax receipt shows successful transmission of 3 pages at XXXX and XXXX on XX/XX/XXXX.My home is and has always been insured under a group policy for the XXXX XXXX XXXX XXXX . XXXX through Insurance provider XXXX XXXX XXXX XXXX Policy Number : XXXX. 

Statebridge Company sent me my Mortgage Statement ( payment request ) for XX/XX/XXXX on XX/XX/XXXX, one day before the due date. The current mortgage statement shows an increase in monthly payment amount by 33 %. The statement shows an assessment for Forced Placed Insurance when there has never been a necessity, AT ANY TIME, for such insurance. Statebridge has also deposited my XX/XX/XXXX payment but has not credited said payment toward my account, claiming the payment is underfunded. This has caused Statebridge to impose late fees on my account.

I have researched this behavior by Statebridge Company and have found numerous complaints for such. This can not be considered a " error '' as the company 's history clearly indicates this to be a deliberate act of fraud and extortion.

I have, apparently, been assessed for property insurance that was and has been unnecessary. It appears this " Forced Placed Insurance '' scam is still alive and well within Statebridge Company 's practices.

I have copies of Insurance coverage ( past and present ) and fax receipts to prove my case. 

I look forward to the assistance of the CFPB in stopping this abuse. 


Very Sincerely, XXXX XXXX
In XX/XX/2018 I had reached out to AES via their website 's contact form about requesting options for lowering my monthly payments. My reason is that I have become the sole source of income for my wife and I as she's unemployed and unable to collect unemployment because of recently relocating to a new state. As requested by AES, I submitted an application and cover letter outlining my financial situation, waiting over a week before reaching out to check on its status. When I spoke with a representative on XX/XX/XXXX at XXXX XXXX EST, they informed me that my loans were not eligible for any form of lowering monthly payments because of " not qualifying. '' I find this to be a bit ridiculous given I had provided substantial document of my financial hardship and AES appears to care little for its customers ' well-being or ability to live.
I needed to make a auto payment to santander consumer USA. I am forced to pay using XXXX XXXX who charges unfair fee 's just to make a one time payment via the web. The fees are way to high and i wounder if santander is not benefiting from these added fees in some way. It can not cost XXXX to make a payment using a debit card. someone is making money on this and seems to violate some FDCPA or other law. Please look into this consumers once again are getting fleeced by XXXX XXXX.
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX as Trustee Attorney, and National Default Servicing Corporation ( NDSC ) as Trustee, and others working on behalf of, for the interest of, for the benefit of, unlawfully accessed my credit reports. In addition to improper inquiries, sharing of information obtained from and through accessing credit reports for purposes that aren't allowed by law, or gaining access to my credit reports and the data contained within due to the bank, Trustee, and Trustee Attorney improper actions, I've had my personal, financial and private information grossly compromised due to such conduct and behavior. This behavior, to the best of my knowledge, occurred between XX/XX/2016 to present. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX National Default Servicing Corporation ( NDSC ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
On or before XX/XX/XXXX, American Honda Financial Services Division of XXXX XXXX XXXX XXXX Completely Deleted All of my credit bureau trade lines, from all three major credit bureau reporting agencies, XXXX, XXXX and XXXX. I am an American XXXX Veteran who took out an auto loan with American Honda Financial Services Division in XXXX XXXX, a 60-month/5-year loan and I have made all of my monthly payments on time, and have and excellent payment history for paying all current payments on time, all 56-payments to date are current.When American Honda Financial Services Division, without my knowledge or permission, & without any regard for my excellent payment history, Deleted all of my auto loan trade line history, my fico score immediately dropped over 38-points on all credit bureau reporting agencies, now my credit history was completely deleted & destroyed/erased by American Honda Financial Services Division due to their deleting all of my tradelines, this has damaged me financially!! Honda Financial Services Division has permanently deleted all of my excellent payment history, there is no longer any payment history that I ever had an auto installation loan, so the loss of my tradelines being deleted by Honda immediately damaged my fico credit score by negatively lowering minus 40-points, honda financial services division managers stated to me on the telephone XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, that their executive offices, the CEO & President of XXXX XXXX XXXX XXXX ordered the Honda Financial Services Division to intentionally discriminate against all individuals who had auto installment loans of any kind who were financed with their bank, & they were also instructed to delete all of the tradelines of any honda financial services division auto loan customers who ever filed for any type of bankruptcies, past or current even if the bankruptcies were already or previously fully discharged by the federal bankruptcy courts. This is outright negligence & discrimination on part of American Honda Financial Services Division, selectively targeting a specific group of its auto loan installment loan customers! My G.I.Home Loan is now on hold because I am now having problems getting qualified, for a new home loan, prior to honda deleting all of my tradelines, I was qualified to purchase a new home loan, now I can never qualify again even for any kind of auto installment loan, becaus honda financial services division completely deleted all of my previous payment history completely and forever! 
PLEASE ACCEPT THESE STATEMENTS AS MY DECLARATION AND PLEASE INVESTIGATE ALL OF MY COMPLAINTS, THANK YOU!