WillisBack/dataset-financial-user-claim huggingface dataset:
green tree, know it call ditech was change my loan payment no notices why, no information what was going on no one to talk to me you can not to with escrow about your loan. One of the employee was demanding XXXX in a cash year check made out to cash or they would make sure l was homeless ruined my credit report l have been paying my homeowner insurance and property taxes. l can not get any help
My issue is with Bank of America with whom I have had my checking/savings accounts over the past 10 years. What has prompted my complaint is that I recently started using a bank of america preferred cash rewards credit card ( for supposed premium customers ) along with other cards such as  XXXX  or   XXXX   XXXX  . In addition to these credit cards I have several others with other major bank credit cards. In every major institution with the exception of BOA, the ability to set up recurring payments for the full balance amount is extremely easy to do online. With the BOA credit card accounts they have deliberately set up their online payment system to allow recurring payments but only through a fixed amount as opposed to allowing multiple options of : a ) a fixed amount. b  ) minimum payment. c )  statement balance. d ) total balance. All other bank credit cards I have afford all those options.  <P/> In order to get around this, consumers have to submit a written form for payments or call a third party firm to do what every other major bank allows online. For Bank of America to set up a payment structure in this manner is clearly intended to take advantage of consumers. By hindering consumer ability to pay off their credit cards they are clearly trying to exploit customers to pay insufficient minimum payment fees or interest fees because NO  ONE  has a fixed credit card fee every month. As such WHY would they have a reoccurring payment option with the only option of a fixed fee unless it 's to exploit their customers? I refuse to believe this is just because of stupidity.
Sent cease and desist letter on XX/XX/2015 and sent another notice XX/XX/2015. I was on XXXX and file a renewal for XXXX at a different location twice, but XXXX of XXXX, LA. lost paperwork.
I have called several times about the excessive late charges over 7k I have owned this Home since XXXX XXXX. I requested that these be removed or reduced as I feel that payments were not posted on time. I asked for history from start of loan in XXXX and received XXXX on and no previous years. I believe I have three times scattered late over thirty days in almost 15 years. This is a financial hardship to pay over 7000 in late fees and eating my equity which is not much based on the decline in my area. I was told there was nothing I could do but pay the money and they would not work with me at all. To request bank records to prove would be impossible as the cost and they dont exist. As a consumer this is financial XXXX and profiting off a life long customer.
I apply for a credit card in XX/XX/XXXX with Synchrony Bank and was told in a letter that I was approved. I have used the card on and off and always made on time payments, I pay off my card and as soon as I paid off my card they sent me a letter on XX/XX/XXXX stated that they were closing my account due to the things that were on my credit. However, when they pulled my credit it was where it needs to be to get approve, four months later they telling me that they are closing my account due to the things on my credit. I really think they closed my account because I paid off my balance and stopped using it.
I was made aware of a collection account reported on my Experian credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; Account XXXX. I have written several letters to the collection agency as well as the credit bureaus requesting validation of date that includes my personal information as well as a signature showing that I approved or authorized the account/charges and never received any correspondence that could verify this is an accurate debt. and disputed this accounts as a result of fraud. I am a victim of identity theft and as a result, someone used my information a created this account or bill without my permission or authorization. The collection agency has refused to remove and seize reporting this account to XXXX which has caused a turmoil in my financial situation. I am currently under contract to purchase a home and this account is negatively affecting my ability to get a mortgage loan as well as my credit score.
We purchased our home in  XXXX . In  XXXX , we took out a home equity loan with  XXXX . In  XXXX , at the height of the financial crisis, our business experienced catastrophic losses. We asked to make partial payments and were denied. However, we were offered and approved for a loan modification, which we paid on time every month. Suddenly, our lender, which is now  XXXX    XXXX    (  who acquired  XXXX   ),  breached the agreement and asked for all payments in the former amount combined with fees and penalties due at once. We obtained legal assistance to fight for our rights and finally in  XXXX , they withdrew the lawsuit. Our home has been underwater since  XXXX . We have been trying to resolve this for almost 9 years.   Then, in  XXXX , they filed for foreclosure again and we filed against them on statue of limitations. While our case was being considered, the  XXXX   XXXX   Court of appeals  demolished statue of limitation laws in  XXXX  states. Texas now has no statute of limitations on foreclosure. They can foreclose until the end of time. In  XXXX ,  XXXX  started foreclosure again.   We applied for another loan modification and were denied and received a letter that we were not eligible because we were over 90 days delinquent. The other reason is that they could not reduce our payment by 20 %. What does that mean? Our original loan was {$680000.00} and now they say we owe {$1.00}  XXXX . The house is still underwater and we can not sell it for $  XXXX . Even though they are supposed to help home owners who are underwater with some of the  XXXX   XXXX  in fines levied by th e US  government, they have told us they will not help us.   There is no t one person at Ocwen, who is the agent  for  XXXX   XXXX , who has any authority to make a decision other than foreclosure. How in this great country, can we allow a foreign entity doing business on our soil not to follow the laws. And, the loan servicer is  Ocwen  and I can not even begin to list the abuses we have suffered at their hands. As senior citizens, we will never recover from this financially and  XXXX  and  Ocwen  get off without any agency or th e U.S. Department of Justice able to make them follow the laws. Ocwen is in trouble again, but they continue to break every federal law created to protect home owners. Ocwen has broken every Dodd Frank law.
The way the loan is now being reported has caused a significant drop in my credit score. The amount that I am now showing shows that I have over utilized my extended credit when I have been making timely payments. XX/XX/XXXX, XXXX XXXX raised my credit limit. XX/XX/XXXX, they lowered it. I can not get an answer from them for the " new '' reporting guidelines. HELP!
I disputed a collection on my credit report for XXXX and received dispute results after completing the processing of my dispute results were removed/deleted. The date Experian complete dispute was XXXX XXXX, 2015. On XXXX XXXX, 2015 the collection agency, XXXX XXXX, re-reported on my credit report and they have already been removed. I do not have an account with this company nor have I received written communication from XXXX XXXX. Please assist in the removal of XXXX XXXX permanently. Thanks
I settled with XXXX XXXX XXXX for less than the full balance and disputed with XXXX and Transunion for this account to be removed. This account should no longer be reporting on my credit report.
I, XXXX XXXX, had Capital One credit card for few years. I had some balance transfer to capital one from other credit card companies and was paying the payments til I found out there are some extra and unknown charges in my account. It was about 2012 that I contacted Capital one to clarify the charges, they just promised to send me detailed information like any signed receipt/slips, but since then they never did except keep sending me all statements from beginning. The Capital One said they can not provide any transaction receipt to me. I was paying monthly fee and expected to receive any response about my inquiry but no response since then. I stop paying my payments and sent them letters and letters and inquired at least a copy of singed receipt by me but the Capital One ignored and said they believe all charges are correct. The Capital One sent my case to XXXX XXXX XXXX, XXXX office and they filed case at court and got the judgment against me while they promised me to provide clear information about the charges and I was paying the minimum payment to XXXX XXXX XXXX XXXX as they demanded. I have asked the Capital One and XXXX XXXX XXXX, XXXX many times and disputed the charges but they Just send me letter that they verified the charges and found out all are correct. If they verify the charges and believe all charges are correct then why they can not send me any proof that charges were done by me. They asked me to provide them any documents that confirms otherwise. I am wonder how can I provide them documents that the charges are not mine.They have to send me proof of charges that have taken place by me. Although, I accept some charges are mine but not all. They do n't want to verify my charges with me and neither are working with me to solve the problem. They asked me to send the a statement for all charges that I confirm, which I did. But instead of checking my charges, The Capital One keep sending me pages and pages of statements without any receipts that was signed by me. I as an social security income receiver can not afford to hire an attorney so I need your help.
I have repeatedly tried to speak to Navinet regarding in ability to pay my student loans due to my inability to work based on my medical condition. I have filled out numerous forms. Submitted forms from my physicans to have my loans discharged due to XXXX. I have even attempted payment arrangements so that I would not have negative impacts on my credit. This is has been a long exhausting confusing battle of information being lost, no record of my calls etc..
Equifax failed to properly secure my personally identifiable information, leading to a breach which exposed the information of myself and nearly half of all Americans. The public was not notified promptly, and Equifax executives used this opportunity to sell stock to protect themselves rather than the public whose information they abused. I did not receive any information directly on this and instead learned about it through news reports. Equifax is only offering one year of credit monitoring, which is completely inadequate since this breach will cause security issues forever for anyone whose information was leaked.
I was told over a year and a half ago that my loans were under investigation for fraud because the school closed down while I was attending because they were stealing money I stopped paying my loans because I was told I did n't have to by teachers working at the school it has impacted my credit score tremendously and I can not buy a home with this on my credit score since I was XXXX I have been dealing with this horrible credit score because of missed payments I contact financial aid I contact navient and no one helps me
On XX/XX/XXXX. I received an alert from TransUnion Credit Bureau regarding a collection item on my credit report. I don't know who XXXX XXXX XXXX XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted Trans Union, XXXX, and XXXX and disputed it. When I contacted Trans Union at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with Trans Union. I spoked to Mrs. XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at Trans Union did not remove the item. My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.
Repeated calls from a XXXX XXXX Indiana number that says " Hi i am calling from Dynamic Recovery Solutions, a debt collector. I wanted to discuss a matter with you today. Please give me a call back at XXXX. Again that number is toll free and it is XXXX. I look forward to hearing from you ''. I have no debt that I know of, no idea how they got my phone number.
This letter is a follow up to my original letter dated XXXX XXXX, 2016 regarding an inaccuracy on my credit reports, regarding account # XXXX, which you claim closed, 150 days late. 

By not replying in a timely manner to my initial letter on XXXX XXXX, 2016, you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Portfolio Recovery Associates is a sinister company they have double damaged my credit with XXXX different companys harrasssinmg me non stop EVERY XXXX DAY FOR 10 YEARS! my XXXX can you do something about this im going crazy im desperate for you guys to delete them out of my life forever please i beg you. this guy in 2009 threaten my life on the fone he wont let me hang up and i was driving on the freeway and thats illegal here. please im scared of them. they have XXXX type of coworkers im scared for my life. thank you XXXX please save me thanmk you.
On  XXXX   XXXX ,  2016 .   I got a car financed for a cost of  XXXX  $ with a n APR 23.9 9 % to 6 years and they charging for  XXXX  $ on interest to 6 years. I gave  XXXX  $ of down payment for the car, they want me to pay more of interest then the car value and they havent pay anything to capital, and i got to pay  XXXX  $ per month and i pay  XXXX  $ and they dont pay nothing to the capital they accredited it to interest, till now everytime i pay them, they take it to interest only, and i feel thats ilegal.
I disputed this Bankruptcy with Experian because this is not my filing. I called the Courthouse, ask how they verify bankruptcies thats do n't belong to you with the credit bureaus. They said candidly they do n't verify any information with third parties and the credit bureaus do n't have any true methods besides pulling a public records search to the address on my file. I have a family member that may have did it but Im not sure but I know its not mine. They are maliciously trying to destroy my financial creditability for no fault of my own.AS PROOF XXXX HAS DELETED IT ACKNOWLEDGING THEIR ERROR.
In XX/XX/XXXX I was served eviction papers due to a month of non payment, which we were withholding due to a breach of the lease that led to habitability issues. In court, we settled. We provided {$200.00}, and they let us out of the lease. All to be concluded by XXXX/XXXX/XXXX. One XXXX/XXXX/XXXX the case was dismissed by the former landlord as settled. Then the landlord, through a bogus company, submitted a claim to the debt collection company reported for {$1000.00}, There was no protocol in place for investigating what was clearly a fraudulent claim by this landlord, and this company in spite of never contacting me, had a derogatory mark placed on my credit report. They did contact me by phone, but never in writing ... and over the phone I expressed that this was an error. I sent them a copy of the lease and a copy of the disposition. ( They state they never received those, but do admit that I made it known that it was not accurate at that time ) They did not investigate when the fraud was initially perpetrated, and they did not any time subsequent for 6 years ... that 's right, they knowingly kept an erroneous mark on my credit report for 6 years. I now have a letter, they just sent it today via fax, that states that the account was turned to them in error and 6 years later, they will finally have it removed. There was never any written information provided until this very moment. As a point of issue, the letter they sent today was an address I held for two years and not a single letter came from them to this address. The claim was, according to the collection agency, supported only by a lease and a statement of non payment with no other verification sought or needed. I believe them to be initially grossly negligent before providing derogatory information to the Credit Bureau, but further had a duty to investigate upon first indication that the information was incorrect, in spite of their claim that they never received anything in writing. They WERE informed, and they actively chose to ignore this information. In doing so I believe they were willfully publishing incorrect information on my credit report, without providing instruction on appropriate dispute procedure, ignoring appropriate dispute procedure and ignoring federally mandated protocols for fair resolution which led to significant troubles gaining housing, medical care and employment. The fact that now they admit it was given to them in error, although they could have checked when initially notified but chose not to is inexcusable in this line of work, and a breach of Federal Law.
I opened an HSBC account on XX/XX/2017 when there's a promotional bonus offer of {$350.00} dollars if open a new account and maintained the balance of {$10000.00} in my new advance checking account for 3 months. I have also chatted with several agent multiple times to confirm my eligibility for the account bonus and also that I have met all the requirements to qualify for the bonus. 

However, the bank told me that their Campaigns and Promotions Team has determined the HSBC Checking account is ineligible for the promotional bonus due to the previous open account within one year of the campaign start date. 

I don't remember seeing anywhere saying this when I opened my account please I also chatted with agent multiple times to confirm I was eligible for the bonus and the agent confirmed I was. Now the bank doesn't want to honor the bonus and telling me I am not qualified. Why do all the agents confirm i met all the requirement and don't double check and tell me I can not qualify when I opened my account. They keep delaying me and locking up in money in their bank and not telling me right away. They locked up my money there for over 5 months making me thinking I will soon receive the bonus as confirmed by each agent i talk to but in the end still won't give me the bonus I deserve. I don't think this is fair for the customer who followed all the rules and requirements and in the end got trick by the bank to keep the money in there for a long time. 

If the bank don't want to honor the bonus, they should train their agent to tell customer the truth right away and not trick them into opening an account because of that bonus and maintaining the money I could have put into other higher interest earning banks. 

Thanks.
I am writing to dispute a fraudulent charge on my account of {$25000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX  opened on XX/XX/2017 with a credit limit of {$25000.00} -This is not my account.
The whole purpose of the suit is due to wrongful foreclosure on XXXX XXXX, 2015. We have challenged Kondaur the proof of the matter, they refused to show up for Federal Court to prove themselves to be right in the First place. This was discussed on several occasions. They could not provide to us any evidence. Therefore, they did show up for Federal Court, nor did they respond to XXXX because Kondaur did not have any proof their only proof is to evaded in every way. The fact that Kondaur breach the loan modification and forbearance plan is evident enough. 
This case should not have escalated to this status. All Kondaur had to do was to continue the modification that was set forth by XXXX and continue to accept my payments {$1100.00}.. We disagree with the opinion of the court, we had requested a mediation and trial in person. Further documents will be filed as suggested.
The original mortgage ( from XX/XX/XXXX ) was adjustable and at that time the prime rate was around 7.5 %. My rate was a little over 2 % above that. I did not see anywhere on the paperwork where that said that it could n't go below the original rate, it only talked about a ceiling, but to my knowledge there was no floor. The mortgage has traded hands numerous times over the years. 

About a year ago I applied for HARP. After several months of having to resubmit the same documentation, I was finally approved. I received a letter stating that I had to go into a 3 month trial period, XX/XX/XXXX-XX/XX/XXXX. It stated that at the end of the trial period I would get the terms of the adjustment. There was a question about insurance coverage, I was told by the XXXX company that they would take care of taxes and insurance and my payments increased to cover the escrow for that. 
When I asked the XXXX company about the insurance, they said they had been told that the insurance was my responsibility. So I got that straightened out. 

The most recent letter I received, ( which is dated XXXX XXXX, from the XXXX mortgage company ), stated my mortgage is still adjustable and still at the original rate, 9.875 %. 

So in other words, this entire HAMP adjustment seems to be just smoke and mirrors.