WillisBack/dataset-financial-user-claim huggingface dataset:
I called Seterus my loan servicer to inquirer about a possible Deed in lieu. They told me they would have a specialist call me within 72 hrs. Never heard from anyone so I called back and spoke to someone else. We discussed some things and he told me he will send out a application to fill out and for me to send back. In the meantime he will have some one call me to discuss my concerns, which was if I even qualify since i '' m not behind on my Mortgage. In the meantime I get a phone call and a mortgage statement that says I owe {$530.00} for legal expenses and that I do n't qualify. I inquired and they say the following. They did a title search, and see that I owe some money for Maintence fee '' s. I never told them to pull tile, I never signed a consent to pull title and all I was trying to do is inquire information. They are now telling me they pulled title to see if the person quilifys. But we were n't even to that point yet to go forward. besides who is to say that I cant pay the maintence fee that is owed. But my main concern is, who gave the right to go and spend on my behalf with out letting me know there will be charges. I know the note gives them the right to pay for force insurance, but even then they send you letter letting you know before they spend it. I know if I was behind in the mortgage it gives them the right to hire a attorney to pursue me. In this case I '' m not behind and I was only inquiring.
Its unfortunate that you believe me to be an imbecile, im well aware of how the CRAs operate and that they can not make any changes to an account without the express authorization of a creditor, which means that XXXX had to give XXXX express instructions to Delete or Suppress the account. Now under the statue of good faith I hope that you will see reason in this final attempt for a just outcome. I do ask for your understanding, I was young and dumb when I first got the car ; and im not asking you todo anything that hasnt already been done on your part. Right now im XXXX and im trying get my 1st house, and a new car however I cant do that because this single account is holding me back by 200+ points on my credit report. Once again I plead with you to see reason as I would not like to take you all to court ; I will unfortunately be forced to seek legal counsel in pending litigation of small claims court and the attorney general if we cant come to terms. 

Now under Section 623 ( a ) ( 2 ) of the FCRA If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Which means that as of XX/XX/18 when Toyota reported to XXXX to have the account Deleted or Suppressed that same information should have been sent and updated to all the bureaus. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I intend to follow through with the suit if I do not hear back from you within 15 days Best regards,
I have sent them an identity theft report as well as a police report to show fraud was done in my name. i have sent this information to the company as they requested and they have yet to respond or delete
XXXX  and Transunion are reporting me as 60 days past due on the XXXX  partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
On XXXX XXXX, 2017, I went on the website of Plaza Home Mortgage XXXX XXXX XXXX XXXX to pay my XXXX 2017 payment. The was accepted and i received a confirmation that the payment was received. I fact, at the bottom of the confirmation page it states " Your payment was successfully completed. Thank you for your payment. Please retain your confirmation number for your future reference. NOTE : Payments may take up to 2 business days to post. however, the transaction will be effective for the date submitted. '' ( Attached as Exhibit A ). This makes PLAZA liable for this payment. On XXXX XXXX, i received my paycheck and logged in to my bank account. i noticed that the mortgage payment had not been deducted from my account. I called Plaza Home Mortgage to fine out why. I was told ( 1 ) my payment was rejected by Plaza and ( 2 ) the mortgage had been transferred to another service provider on XXXX XXXX and that i would be receiving information and ( 3 ) my next payment was not due until XXXX XXXX. I asked them why that was n't noted online on XXXX XXXX and the representative did not know. I said okay thank you. 
As of XXXX XXXX, i had received NO NOTICE FROM PLAZA that my mortgage was being transferred. TO DATE ( XXXX XXXX, 2017 ) i have received no notice from PLAZA. In a letter dated XXXX XXXX, which i believe i received on or about XXXX XXXX, I received notice ONLY from the new service providerXXXX ( attached as Exhibit B ) that they were the new service provider. 
I established an online account in order to make the XXXX payment. On the XXXX 's website, it was listed that my next payment to them was due XXXX XXXX, 2017. Therefore, I made an additional payment with this money on my credit card due to the information i received both from XXXX 's website and Plaza representative. 
In then received a statement from XXXX stating that i owed XXXX 's payment. ( Attached Exhibit C ). After trying to resolve this matter with both XXXX and Plaza, i have been unsuccessful. I do not have an additional payment now to be made to bring my account current. 
Plaza insisted when i tried to resolve this matter that they mailed me a notice. I asked if they had proof of delivery or mailing, i was hung up on. 
I am requesting that the XXXX payment be removed due to Plaza 's lack of timely notification to me that a transfer was taking place that they are required to do.
I have a pending transaction in my account and transferred funds to cover it the same day, TD bank processed the debit before credit then charged me {$35.00} overdraft fees. On the XXXX i did another deposit/transfer of {$200.00} for some XXXX bills i wanted to pay and they did the same thing, processed the debits before the credits and charged me another {$35.00} hence effectively ensuring transactions are not processed the way they come in. I THOUGHT IF I WANTED TO SPEND {$20.00} ON MY CARD, STOPPED AT A BANK AND DEPOSITED THE {$20.00} I SHOULD N'T BE charged when i used that card??? Not TD Bank
THIS IS AN UNKNOWN INQUIRY THAT YOU ARE REPORTING ON MY CREDIT REPORT WELLSFARGODEALERSVCS XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX WELLSFARGODEALERSVCS XXXX XXXX, XXXX Unknown inquiry, please delete
On XXXX XXXX XXXX, I wrote to Equifax disputing my current mortgage on my credit file ( XXXX or XXXX ) is currently reporting my first delinquency date being XXXX XXXX. I had supplied documentation ( enclosed XXXX to them outlining that the previous servicer XXXX XXXX XXXX XXXX XXXX was reporting on my credit file that my first delinquency date was XXXX XXXX. 
On XXXX XXXX XXXX, Equifax written a response ( enclosed XXXX that XXXX is no longer reporting because of the date of the first delinquency XXXX XXXX XXXX ) being reported on my original credit report dated XXXX XXXX, XXXX XXXX enclosed ) is beyond the 7 year statue of limitations. 
Equifax also responded on XXXX XXXX, XXXX that XXXX XXXX XXXX XXXX XXXX XXXX XXXX account does belong to me. I never had mentioned in my previous dispute ( enclosed ) that the account was not mine. I specifically disputed that my original servicer ( XXXX XXXX XXXX XXXX was no longer reporting on my credit file and XXXX should also not be reporting as well and nothing else. 
I also have provided a previous credit report dated XXXX XXXX, XXXX before the loan was transferred over to XXXX on XXXX XXXX, that the date of first delinquency did not change and it was always shown as XXXX XXXX XXXX see bottom of page XXXX going into page XXXX of the XXXX page document and the highlighted page is included ). 

Please also keep in mind that the other XXXX repositories XXXX XXXX XXXX are no longer reporting this trade-line. 
The desired resolution I want to have occur is that the account XXXX be removed from my credit file because the date of first delinquency was over seven years ago and is now obsolete and be removed just like the previous servicer XXXX XXXX XXXX had done in which Equifax had admitted in its XXXX XXXX response to me.
Target is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?
On XX/XX/XXXX I cosigned for an auto loan through M & T Bank for my friend. I've never been late on paying anything in my entire life. On XX/XX/XXXX I received a phone call stating the account was overdue, and I immediately paid the balance. They kept asking me to verify my address, but would not accept my address, as somebody other than myself somehow changed my address without my permission. I then proceeded to ask how late the payments were and if this was going to negatively impact my credit. I was told that it already had. I pulled my credit report, and it dropped 114 POINTS. I asked how this could even be possible, why they never bothered to try contacting me until it was too late. I spoke with 7 different people, and nobody could answer the question. All I was able to find out was that this loan has been delinquent since XX/XX/XXXX, that my cell phone had been put on a " do not call '' list, and my address completely removed from their files. I am the cosigner on this loan and we are both equally responsible for this debt, so why is it that I was never informed it was delinquent- and for 8 months?! The moment I finally received a phone call from them I paid the balance! The last person I spoke with said he would file a dispute, but said their response would be sent to that address on file which is not even mine!!! I am severely concerned that a bank of this size would allow my information to be changed or removed without my knowledge- this is a HUGE privacy concern! And for them to act like it's perfectly normal is another issue. I am upset that the bank failed to contact me, had no respect for my outstanding credit history, and additionally the fact they never reached out could have been due to a security breach. I am taking this step to avoid further potential legal action against M & T Bank for damages to my credit character.
I have now mailed Experian twice, on XXXX/XXXX/2015 and XXXX/XXXX/2015, and asked for an investigation to be conducted on specific accounts I question on my report. They have not responded to me. I will attach the letters I did send them copies of my drivers license, social security card, and phone bill BOTH TIMES. 
I demand a response immediately and sanctions levied for willingly breaking federal law!
I have maintained some degree of banking relationship with Bank of America for nearly 15 years. Over the course of that relationship this institution has made changes to its policies, procedures, and promotions.

These changes usually do not affect our operation but in the few instances where they have, we'd visit a local banking center and come up with alternative solutions. While these solutions would vary, the common goal was to ensure that the services we received were comparable to what was in place prior to the change. 

Recently, one change has been made for which there is no comparable alternative. Earlier this year we began to see a number of fees appearing on our accounts. The fees we were charged for were " monthly maintenance fees '' and " Overdraft transfer fees ''. When we contacted the bank we were told that these are typical fees that we had always been charged and that nothing had changed. After escalating the issue, we had two different supervisors claim that the only difference was that we were just now noticing the fees.

We were able to convince the last supervisor we had to look through our account to verify that there was no such history of us being charged theses fees. He found that in the months prior we were not charged a maintenance fee. He also found several instances where funds were automatically transferred from one account to the other with no overdraft transfer fee. Although he was able to verify our claim, he stated that there must have been some mistake with the system that was behind the reason we weren't being charged.

We later discovered that the system was issuing the charge but immediatley crediting the account in the same amount. This prompted the supervisor to do a little more research and it was ultimately discovered that there had been a change earlier in the year that removed a " perk '' that kept us from incurring these fees.

The supervisor apologized for all of the calls that we had to make to discover this information and said that our account would be credited for any of the fees that we had not already been issued a courtesy credit on. After completing the credit, we were then advised that we would need to visit a banking center to discuss options on opening different accounts that would afford us the same benefits that we had before this change.

We attempted to follow this instruction but was stymied in the process as we discovered that Bank of America no longer offers any account without fees unless you meet new criteria that was established when they made this change. We've since continued to incur these fees.

I can not force Bank of America to change its policy and understand that it's our responsibility to find a bank that does offer services that line up with how we operate. I don't have a problem doing this but it wouldn't be fair to expect us to complete the transitioning of 11 accounts ( Personal, business, and credit ) to another institution in such a short time span. Sufficient time should be allocated before forcing us to be subjected to a new fee structure.
I have been requesting the Sun West Motg. Co to take off Mortg. Insurance premium as the ratio of residual loan and the house price satisfies the conditions. I have submitted the sale price of this complex to prove the facts. The Co is adamantly and unjustly collecting MIP every month.
I have a loan with Springleaf Mortgage Services Inc.At this time I am selling the property and closing was set for XXXX/XXXX/2016 the closing attorney has requested finial pay off for this loan but Springleaf has refused to give that information to the attorney.They have ask for a written and signed request from myself to be faxed to them before that information will be released that was done and faxed to them by the closing attorney they still refused to give that information their excuse is they have not received a fax so as of now it has been faxed to them 4 times.Yesterday the written form was taken to their branch office faxed from there to their corp.office and then scaned and loaded into their system while a XXXX XXXX was talking to corp. she then asked if they would fax her the pay off so this loan could be closed out But they refused to give her that info also.A supervisor from their corp office talked to me over the phone and i was advised that this takes time and it could still take several more days to be processed as of XXXX today they are still trying to say they have not received the fax and form.How can that be when it was faxed from XXXX of their offices and the man from corp. acknowledged the fax went through.So I would like to know how they can do this and keep charging interest each day and that be legal? Please help do something so i can get this taken care of and that no one else will have to got through this stress and mess.I may loss the offer to sell because the bank may drop the loan.
I made a purchase on XXXX on XXXX/XXXX/16 using PayPal Credit. Paypal Credit ( formerly known as Bill Me Later ) has an ongoing feature that if you spend over {$99.00} on an single purchase, you can take advantage of their no interest no payment feature for 6 months. I have used this promo on this website and others at least 10 times in the past year. For whatever reason that Paypal can not answer, this was not applied to this purchase. I followed up with the merchant ( Eastbay.com ) and they confirmed that the order went through the proper channels and they were supplied with a Bill Me Later confirmation ID ( XXXX ) -- which is completely different from the ID supplied if it was a regular Paypal purchase or another form of payment. I made this purchase because of the ability to pay at my convenience within 6 months. Paypal insists that I did n't log in and choose Paypal credit, even though the only way to use Paypal Credit is to log in through Paypal. There is also the fact that my credit limit in Paypal Credit was deducted the amount of the purchase. They state that some websites have the ability to natively choose paypal credit without signing in. I told Paypal that does n't concern this situation because Eastbay.com does not have that ability. XXXX personnel confirmed this statement as well. What is most infuriating about this entire process with PayPal Credit customer support, no agent is able or willing to go to the merchants website and test what I and the customer service rep from the merchant is saying. I have screenshots of each step it takes to use Paypal Credit on the Merchants website, but paypal wants me to print out each picture and FAX it to them. They have no email function to receive or send. The entire process with Paypal and Paypal Credit shows a complete lack of customer service that is glaring when compared to the other established credit card companies like XXXX, XXXX, and XXXX XXXX.
ETRADE Bank owns my second mortgage.This was discharged in Bankruptcy in XXXX and from XXXX to XXXX it was protected by the injunction in Bankruptcy.ETRADE has been illegally trying to collect the debt through its servicers of XXXX XXXX.Other illegal collection efforts had been orchestrated by XXXX and XXXX all trying to collect a debt owned by ETRADE and discharged in Bankruptcy. 
I complained to the current servicer XXXX XXXX XXXX ( XXXX  ) and they said its not their fault or responsibility.ETRADE sends it back to XXXX as the servicer so its a circle where the owner of the debt can have a servicer make illegal efforts to collect the debt and when caught, change servicers and say they are not responsible.ETRADE should be held accountable and according to the CFPB compliance bulletin on mortgage servicing transfers they are.I am including some of the illegal written efforts to collect debt discharged in bankruptcy along with evidence of ownership of the debt and letters from XXXX and to ETRADE Bank.ETRADE is trying to absolve itself of responsibility and should be held accountable, otherwise they will continue this practice of illegal debt collection while switching servicers.
I have reached out by cerified mail and have even made phone calls to get these unauthorized inquries removed from my account. Yet they still have not removed the following inquries : 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
Early Warning Systems ha s a statement on my report that I had tried to commit a crime with a bank account that I never used. I want this statement removed from my files. As they can see the bank that " they '' stated gave them the information, has cleared me from their system. I believe that this defamation of character and it need to be removed immediately before I seek legal advise. I 've never had or will try to defraud a  US banki ng system. I 'm a good citizen with no arrests and my record is very clean. I am teacher and have been teaching over 20 years. I 've recently read that  XXXX   XXXX   XXXX  and Early Warning Systems are targeting  XXXX   XXXX  by putting a fraud statement in their Systems which prevent them from opening accounts or joining a bank. This is not fair or right.
I made a purchas e with Macy's.com in  middle  XXXX . They not only put an initial authorization hold on my chceckong account ( debit card ) for {$370.00} but they did that a second time and then charged my account when each portion of the order shipped out. I filed a complaint with the Ohio attorney general and the Executives offices called me and offered to refund 50 % of my order after having a sim of {$1000.00} on hold that I had not authorized in my account for approximately 14 days. I was advised that they would be sending me out a gift card for the initial purchase, as I returned most of the stuff on the order. I called today and found that there is still a {$370.00} authorization hold on my debit card and they are refusing to send out the card because the rep did not notate the account properly when they promised me the card. This same situation happened to me in  XXXX . I no longer have documentation however the Ohio attorney general does.     I want them sanctioned, and I want what was promised to me as well as the hold removed from my debit card. This has been going on  for 9 weeks and they still have not fixed the problem but heir Compliance person the responded to the complaint lied to the  Attorney General.
I have been making payments since XX/XX/XXXX, it seems they had no effect on my balance. further more the way Navient shows what my loans are, how many are how my payment is applied to them is unclear. when i had originally started payment i had over 60,000 in loans and i been making payment since XX/XX/XXXX but still it has not gone down one bit. it seems they are only applying my payments to my balance. Furthermore it took me to ask them about income driven payment plan before they offered it to me or gave other options. fr years they never mention it to me. all they did was give me forbearance. The way they keep my account and my loans is confusing, its unclear and very disorganized. i have no way to clearly understand how many loans i got. The statements they send in mail is inconsistent each month its a different balance or loan. Also i do not get my bills every month when i requested it be sent in mail on several occasions. They send sometimes only. They do not send my bill and statement every month like they are supposed to and charge me late fees. then apply my payments to the late fee and interest only so my balance has not gone down in 3 years of making payments. Like in XX/XX/XXXX i had a late payment but i never got a bill in the mail. I was on a forbearance and was not stated i had payments in XX/XX/XXXX. instead i got a letter saying my payment would resume on XX/XX/XXXX now i look at my account online and payments due on XX/XX/XXXX yet i have not received a statement or bill. This company is illegal in the manner they deal with borrowers.