WillisBack/dataset-financial-user-claim huggingface dataset:
On the XX/XX/XXXX I was cut a check in the amount of XXXX ... I wasnt thinking due to the fact that bills where passed due and Ive never had problems with this before I downloaded the banking App to deposit said check normally my bank in the past has granted me some money available but they didnt. On the next business day which would have been Tuesday the XXXX I called my bank and they told me I had to wait till it was done processing to have the deposit canceled as I needed money to pay bills. As expected my phone got shut off and the insurance lapses as well and I almost lost power due to Bank Of America neglecting to properly advise me. Since I also bank with the same bank the check was written from I asked if they had cleared it. I had been robbed two days prior and now I had another issue trying to get a state ID. Little to my surprise I recived back pay from another job and a new bank card as I went to try and cash them I ran into another problem apparently fraud had take. Affect and Bank of America neglected to inform me once again that they locked my card becuase of this now I was in panic and worse off then before. I called the number they asked me to call and asked them to unlock the card they placed me on hold over 2 hours before I hung up and called back again I did this several times before I lost it and profanity came out while on the phone with a representative. By gods good grace my other bank cleared my checks and I was able to pay said late bills with penelties. Now Bank Of America said they will hold my funds till the XXXX due to fraud in the area I live in. Thats fine but not understandable considering my other bank already released the funds and now my bank card through Bank of America has to be canceled. So now I dont have a bank card Im planning on closing my account but I fear they will not give me whats rightfully mine if thats the case I will place a new complaint
my loan was forwarded to shell point mortgage servicing for XXXX. I was behind in payments, and made the payments on XX/XX/2016 in the amount of {$2600.00}, which was three months of payments. this payment should have covered the months of XX/XX/XXXX-XX/XX/2016. on XX/XX/XXXX I attempted to make a payment of XXXX, but the agent advised me that I could not make that amount that I need to make 4 payments, which comes to XXXX. She also advised me that I had XXXX in unapplied funds. then she advised me to send XXXX. I had advised her that I would not have that until next week, and she said I had thirty ( 30 ) days to make the 4 payments. I was not in foreclosure, but they could not take the three payments is what she had advised me. I told her that I wanted to dispute the other payments that she said was not paid. she said she was going to order a payment history from XXXX. on Monday I called to make the four payments and the agent told me that I would have to pay the XXXX because as of now I was in foreclosure. I told her that was n't so and I advised her what the other agent had advised me. I then requested for a manager to contact me, which I have n't had contact from the manager as of today. At the time I wanted to make the payment of XXXX I was only 3 payments past due. I am a victim of a wrongful foreclosure.
From the month of XXXX, I have been contacting XXXX XXXX to pay the minimum monthly payment and I have n't been able to. XXXX XXXX, has blocked me from making online payment, XXXX XXXX  and XXXX XXXX. I went on XX/XX/XXXX, to XXXX to make payment to XXXX XXXX via XXXX XXXX and on the screen the customer service representative said that she had never seen a message across the screen instructing me to call into XXXX because there was a block on it. Moments later, I called into XXXX 20 times to be exact to correct the problem, and they stated they received a fraudulent check from me. I do n't even have checks and have always used online banking, ( which I 'm blocked from as well ) but the rude customer service rep in the fraud department stated that their was a check but it the check was n't written by me at all. XXXX XXXX has blocked me from all ways of making a payment, and I have lates on my credit from it ... XXXX XXXX is also aware of my difficulties of making payments because they blocked me from all forms of making payments.
Navient has randomly placed my account into a forbearance without my permission or via request by me. They have failed to notify me that actions have been taken on my account so that I am notified and aware of any changes to my account and it 's status. Navient has also failed to disclose timeline dates relating to when payment offers are made to when they must be accepted by.
I have complained before about Ally Bank. They have falsely sent my information to XXXX in retaliation for a complaint
Credit freezes and thawing should be free. The entire SSN system is outdated and vulnerable. In light of recent events ( Equifax breach ) the only way I can protect myself is by freezing my credit. Naturally I can not keep it this way forever and will need to unfreeze for certain purposes, at which I will be charged for the thaw. I should not be paying to protect myself because of the mistake of a large corporation.
In XX/XX/XXXX ( around XXXX/XXXX/15 ) I called Navient and requested 30-day loan payoff letters for XXXX of my private loans. I needed these letters to complete a pre-approved loan consolidation application with a credit union. On XXXX/XXXX/15 I received these forms online, but there was a big error in one of the payoff amounts - rather than approximately {$4300.00} the letter showed {$43000.00}. The other XXXX letters were correct as far as I know. I called Navient back around XXXX/XXXX/15, informed them of the error and requested a corrected copy of that letter, in addition to new payoff letters for all of my private loans. These were promised to me within 24-48 hours. I still did not have the letters on XXXX/XXXX/15, so I called them back, having a lengthy conversation ( XXXX+ ) with a representative, then her supervisor, explaining the above. They promised a payoff letter for each of my loans within the next 24-48 hours. It is currently XXXX/XXXX/15 and I have not received them yet. 
Here are my concerns : I 'm concerned about the accuracy of the loan payoff amounts on the letters. 
I 've spent a considerable amount of time corresponding with Navient to resolve this. 
While I wait for the letters, interest continues to accrue on my loans - a higher rate than what would accrue if the loans were consolidated, which I can not do until I have the letters. 
If I do n't submit these letters to the credit union for my consolidation application within a certain time frame, they 'll cancel my application, causing me to start over from scratch.
Hello, I am writing to complain about my mortgage that was being serviced by Ditech Mortgage and then sold to XXXX  XXXX XXXX. My mortgage was sold in XXXX by Ditech. My payments were being auto paid to ditech. at the time of the sale, I was not aware my mortgage was sold. My bank account was continuing to be debited for payments on the XXXX of every month. In XXXX I received phone calls from XXXX XXXX XXXX stating that my mortgage was past due and they were going to start foreclosure. I called ditech and they confirmed that they sold my loan to XXXX XXXX XXXX. They also confirmed that they had received my payments each month, and that they had not forwarded the payments to XXXX XXXX XXXX, but they would do so. Fast forward to today, I got another call from XXXX XXXX XXXX saying that I was still past due. I called ditech and they told me that it is their policy to make the first two payments, and then they forward any future payments back to the customer. They said they forwarded my XXXX and XXXX payments, but not XXXX, XXXX or XXXX because they sent them back to me. I said I hadn't received anything and they said that they had not sent them yet, but they would go out by the 2nd week of XXXX. They should have told me this rather than telling me they would forward all of the payments. Also, they shouldn't be allowed to hold my cash that long ... So, in this situation, I have continued to make my payments. The servicer has been happy to take my money, but since they didn't forward the payments, I am getting charged for late fees, and my credit is probably affected negatively. Even though I have done nothing but try and make my payment. I also want to complain about mortgages being sold. I own a couple of homes with multiple mortgages. I would say my mortgages have been bought and sold 20 times over the last 7 years. It is such an inconvenience to go through so much trouble every time a mortgage is bought or sold. Calling in to these banks and waiting on hold and then getting disconnected and then having to call back in is pretty standard. There should be a limit to the number of times a mortgage can be sold, or the customer should be able to opt out of their loan being sold, or the servicer should have to compensate the borrower for selling them and taking our time. Part of the problem is that they are relying on regular mail to notify me that my loan has been sold. I had no idea my mortgage was sold. I can't rely on regular mail in my line of work if I am notifying someone. I can't rely on regular mail if I am evicting a tenant and need to give them notice. I get 100 pieces of mail from XXXX XXXX XXXX. I just assume it is junk and throw it out. How would I ever see their welcome letter? The servicers should need to notify us our mortgage has been sold by registered mail. Or call me and actually speak to me, but regular mail is the least effective way to communicate. Why is it ok to use it when dealing with people 's biggest asset? Thanks
We were contacted by Caliber Home Loans to refinance a mortgage we have with them to get a lower interest rate. We did all the paper work and they said everything was fine. We paid for the appraisal. We were expecting to close and then they said the IRS said we have Identity Theft so they said we could n't refinance even though we already hold a loan with them and paid for the appraisal. Caliber Home Loans should not have approved the loan and asked for appraisal if there was trouble. We spent a lot of time on this and they were n't organized. They do n't know what they are doing. Do n't use Caliber Home Loans.
XXXX XXXX  is currently showing as reporting this negative and unknown on my Experian credit report. under XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, NJ XXXX ( XXXX ) XXXX, although they had previously corrected this as paid and closed. XXXX XXXX states it is not their account, however, the info matches their XXXX XXXX  Retail card services as shown on attached photo of their XXXX  page.
Please correct my Social Security Number which was recorded wrong ( XXXX ) in the Credit Bureaus.
On XX/XX/XXXX I made a full payment to Online Services, a debt collection agency. I have been waiting a proof of payment letter. On XX/XX/XXXX I called to request another letter be sent to me. Per a conversation with one of the call takers, the request would take 10-15 business days. On XX/XX/XXXX I called and spoke with a floor supervisor and she advised me that the only way to correspond with Online Services was through standard mail. It has been over a month since the payment was made and almost a month since I have requested a proof of payment letter and Online Services is doing nothing to rectify this situation. Furthermore, the account is still being reported to my credit. I understand that this may be on XXXXs part. However I find it peculiar that I paid other collection debts the same day (XX/XX/XXXX ) and some before the day that I paid Online Services and those amounts have been corrected on the same Transunion report. I understand that things happen with the mail, however, Online Services has done nothing on its part to help correct this situation. Online Services decision to do nothing about this after multiple calls of complaint speaking with two supervisors ( a woman on XX/XX/XXXX and XXXX on XX/XX/XXXX ) as well as the collections account manager XXXX, is unprofessional and unacceptable and has caused delays in my financial life which is causing strife within the rest of my life.
I use AMEX serve for transactions as I receive direct deposit on this card. Got into car accident and company XXXX XXXX XXXX had me pay {$400.00} deposit until they received payment information from insurance company ( XXXX XXXX ), well the insurance company paid XXXX XXXX XXXX after they sent them an invoice saying they refunded me the deposit.called XXXX auto and they kept giving me the runaround so I filed a dispute with AMEX Serve ... I sent them email from insurance company confirming amount paid, receipt where they lied stating they refunded me the money. I have yet to get my money back, finally XXXX calls me back and states they would had given me a cash refund but AMEX serve completed a charge back on XXXX XXXX, I really need my money back it 's unfair that no one is giving me my money back even after charge back was completed. Can someone please let me know when I will be receiving my money? that rental has been returned on XX/XX/XXXX its been over a month. XXXX will not give me my refund now that the chargeback has occurred and I have not heard from Amex Serve in regards to the process. I just want my money not even a provisional credit was given and I have been a customer for a long time with continuous direct deposit
Bank of America is doing it to me again. I told them I 'm on a very fixed income and they still take an overdraft fee every 5 days. I want this money returned to me immediately.
This company, I have spoken to several times and agreed to make a payment arrangement. After doing so, I requested they not contact me again. They keep calling to set up the payment I already authorized, calling multiple times a day, often just before XXXX. The agents are extremely rude and blunt and completely unwilling to work with me when I do answer. In addition, when I do n't answer one number or block it they start calling from another. They have been extremely obnoxious and have even contacted friends and members of my family after being requested not to.
Numerous attempts to contact Equifax by phone and internet are met with " system down '' and " try this '' type of response .... none of which work. 
I have two addresses shown by Equifax, which were removed by both XXXX and XXXX   because they are fraudulent and were attempts to steal credit card information. 

I was recently refused opening an account at a bank because I denied ever living at either one of  those addresses. I had requested Equifax to remove them about two years ago when the attempt to steal my credit card was made but did not realize until I applied at a bank recently that they still exist. 

One method I have been given by Equifax to resolve this is for me to send by US Mail several sensitive documents that I don't want in the wrong hands. I have even accepted the invitation by Equifax to use their " TrustedID '', which should allow me to securely communicate with them. However, this has not worked and they simply keep saying to submit a dispute but has made it difficult, if not impossible, to do so. Seems like they want to push off people until they get frustrated at the process and give up. 

I will not give up and will contact my State Attorney General regarding their regulation of Credit Card Reporting Agencies. I have always had a credit rating about XXXX yet feel like I am a deadbeat when dealing with Equifax.
I made a payment to XXXX XXXX through my Bank of America Checking account on XX/XX/2018. The funds were taken from my account. Later on that day I had to overdraft my account from a BofA atm. I was charged an overdraft fee for the atm withdrawal, which I agreed too. I was also charged a fee for my XXXX XXXX Payment which is very unfair. They say that it is because of the order of charges onto the account, although the funds for my XXXX XXXX payment was already taken. It is very unfair for BofA to rearrange the order of transactions and charge an additional overdraft fee.
I have tried everything that I know how to do correctly, Still, XXXX, XXXX and XXXX will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( M & T Bank ) I'M trying to get a better job & place to live but they, ( XXXX ) ( XXXX ) ( XXXX ) NOR ( M & T BANK ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do
Hello, I am writing because I have an inquiry on my credit report from " XXXX XXXX XXXX XXXX '' that should never have been posted on my credit. I spoke with customer service representatives from both comenity bank and XXXX  XXXX credit card division and both gave me to run around and sent me back and fourth to each company. No one would help me. I explained that this card should never have been opened in the first place. After i checked my credit report and discovered the new inquiry, i immediately called the appropriate parties and had to account closed which included the credit card. 

Date inquiry was added : XX/XX/2017 Companies involved : XXXX XXXX & XXXX credit card department.
A debt collector, XXXX is trying to collect a debt that is not mine in the amount of {$6100.00} I have asked for debt validation and only received a photo copy of a bill, and now they are asking for {$6200.00} This false debt was previously owned by XXXX XXXX XXXX and was removed from all credit, prior to that it was owned by XXXX XXXX and was also removed from all credit. This debt is not mine and keeps being sold to new collectors in an attempt to collect it anyway. How do I get this to stop?
Citicorp refuses to remove fraudulent inquiry from my credit report. the customer service is horrible and they LIE. Every single time i talk to someone from this company they acknowledge that the activity was XXXX and they tell me to give the credit bureau XXXX 30 days to update the info. 30 days to remove hard inquiry that was proven XXXX. and they after the 30 days never happens. I can prove ID Theft that dates before this date and even alerted XXXX that this application was not me immediatly after i received the Alert someone was trying to open an acct in my name. Citicorps 30 day excuse is getting old since it is nearly 6 months after the first time i was told it would take 30 days. see attached.
Citibank closed my account because of " suspicious activity '' which was me going to a XXXX XXXX store to make copies and scan documents. I had to call and go over hoops in order to have my account reopened. They asked me for extended verification information even though I had done absolutely nothing wrong. Furthermore, whenever I deposit a check now to my account they intentionall add excessive delays in order to process the checks. Citibank is engaging in a pattern of harassment and unfair business practices. In addition, Citibank has taken over {$500.00} in overdrafted fees from my account just this year XXXX 2015 ). Citibank is illegally retaliating against me with their harassment and unfair business practices because I have previously filed complaints against them with the CFPB.
XXXX XXXX shows as a collection against me but I 've never opened nor had a XXXX account.
US Bank applied a {$36.00} fee to my account and brought the balance down to negative {$35.00}. They put my account in negative. Then proceeded to charge overdraft fees 4 more times. They created my negative balance then penalized me because of the negative balance they created. Furthermore, they did n't inform me of the impending overdraft fee nor informed me the account was actually in " negative. '' They refuse to rectify the situation. They have charged me a total of {$180.00} in overdraft fees and my account is negative {$170.00}.
Dear Staff, My name is XXXX XXXX. I recently bought a home that I went through American Pacific Mortgage to finance. 
The mortgage company forced me to put into escrow more than {$8300.00} extra in payments during closing, on XX/XX/2016. That money was to be used to install flooring and for a range. When I ordered the flooring from XXXX, American Pacific Mortgage at first refused to pay the company, telling me that I must pay out of my own pocket first then I get reimbursed, which is bizzare, since the escrow money is placed there for the purpose of paying for the costs of flooring and range stove, however, they want to withhold that and not pay. 

However, after some intervention, they sent {$4300.00} of payments to the store, and it got delivered. That took 2 days for them to process and send the payment. 

XX/XX/2016, I made another request to XXXX XXXX who handles escrow payments for American Pacific, for another approximately {$810.00} to pay XXXX for more materials. However, they did not reply, and thus, after leaving many messages and emailing over the last 3 weeks, I decided to contact in person the branch manager, XXXX XXXX, in XXXX XXXX XXXX, on XX/XX/XXXX, of American Pacific Mortgage but each time, they had ignored my request, no response or replies to my emails or call, causing tremendous problems with the flooring installer, having to return and wait upon the materials to come and not knowing when the rest of the materials will come. 

They made me sign an agreement to be finished at a certain date, which has way passed, but they have been the biggest problem in withholding the funds. 

Not being able to wait any longer, I decided to pay out of my own pocket the order on XX/XX/2016. I then immediately called XXXX XXXX and left a message, requesting the {$4000.00} balance of the escrow money I had paid into be reimbursed back to me, but it appears that he and American Pacific again refused to respond, thus, I am now contacting you to intervene to push for American Pacific to pay back that money I had paid them. 

Their Address of the person that should be sending the check is : XXXX XXXX - Assistant Comptroller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX