WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is with XXXX XXXX, for my XXXX XXXX account, account ending in XXXX This account was charged off/written off. After it was charged off, I contacted XXXX  to pay the balance off and that 's when they told me it has been charged off, but offered me a settlement amount, which I declined, because I wanted to PAY IN FULL, because I needed this account deleted from credit report, as I am trying to buy a house, as I explained to my account manager there, XXXX XXXX, ext XXXX. She said once the debt is paid to send a letter to their credit dispute reporting department to have it removed from my report. when I contact them to dispute, the only thing they keep doing is updating the status as " paid collection '' I also was told I would get a paid in full letter, but I have not got one yet, so I called my account manager again XXXX to ask for one and her words were " oh you have not gotten one yet, ok I 'll get one out to you '' Since I paid this account in FULL, I am no longer responsbile for this debt Also, XXXX still collected the full balance on this account from me after they had already written it off as profit and loss, so they got double paid. I am asking once again for XXXX to please delete this account off all three credit reports, as I have paid my debt in FULL and they were compensated twice, when they wrote this account off as profit and loss and their taxes and when I PAID THEM IN FULL. I am still waiting on my PAID IN FULL LETTER, so I can have in case I need to further dispute this account by other means,
I have an account showing on my credit report for DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXX XXXX, FL XXXX that was placed on my report and listed as opened XX/XX/18, this was actually a balance from 2 1/2 years ago that I knew nothing about and contacted the original creditor and they agreed to delete the item if I paid it. I paid in full the item was deleted. a month later the item re appeared, I disputed and contacted them and they sent me a verification letter that the item would be deleted. I sent this to each credit agency and 3 months later it is still on my report!
There is a credit balance in the amount of XXXX on my BMW Financial Services account. This is due to an over-payment in the amount of XXXX which has been used for payments due until today, XX/XX/XXXX. I called today to request either a check or a credit off my next auto-payment due on XX/XX/XXXX in the amount of XXXX. The rep whom I do not have the name of, a woman, put me on hold then got back on the line and told me to adjust my next payment due in order to use credit. I requested a check and was again put on hold for an extended amount of time, she did not get back on the line. I hung up. She appeared to be new and or inept as she did not seem to know what shes doing, had to put me on hold each time I asked a question. I need a check for credit amount of XXXX. The original form of payment, a XXXX XXXX checking account, is no longer open and credits can not be issued to it.
A couple years after I noticed a car loan on my credit report that I never signed for. In the last 3 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. I want this item off of my credit reports immediately. They are seriously affecting my credit score.
West lake financial claims they did not receive my XXXX payment of XXXX. I was not informed about this until XXXX. When I contacted customer service they said they needed proof of payment. I sent them the attached bank statement which I had to get from my bank, showing where the amount was taken out of my account on the due date. They replied saying they needed to see the whole month of XXXX. My bank sent it to them and they claim it was insufficient and they need the transaction number. The customer service rep then said if we do n't receive payment today they will repo the vehicle. I believe I have shown them sufficient proof of payment, they took my money now I want it to show on my account it is paid. They also hit my credit report with a 30 day late payment that I want taken off. I have been paying on time and they have no right to be doing this to me or anyone else!
I applied for a mortgage through LoanDepot Direct/Online, went house hunting, found a house, made an offer, got accepted and locked down the loan with them. They stated the appraisal needed to be paid upfront ( {$490.00} ) and wouldn't be performed until I gave the go-ahead. I had the property inspections and decided not to proceed/cancelled escrow. I notified LoanDepot the same day I cancelled to not perform the appraisal and they acknowledged. A few days later I received an email with results of the appraisal being performed. LoanDepot guaranteed the full appraisal cost would be refunded because of a breakdown in communication where the local appraiser was not notified to cancel in time. Believing I would be refunded, I continued to look at houses. 
I found another house, submitted an offer, got accepted and went into escrow. Before paying the appraisal fee upfront ( {$420.00} this time ) and locking the loan, I asked the LoanDepot agent to CONFIRM that appraisal would not be performed until I gave the go ahead and he assured me it wouldn't happen again. Same scenario as the first time. I performed inspections, backed out of escrow and notified LD agent to cancel and CONFIRM the appraisal wouldn't happen. I then get another email a few days after cancelling escrow that appraisal has been performed again. 
Numerous emails, phone calls, voicemails and weeks later, I got fed up and opened 2 claims with the credit card company I had used to pay for the appraisals upfront. 
On the first claim, LD then refunded {$340.00} and the credit card insurance covered the rest for a total of {$490.00}. 
I just got notice yesterday that the second claim was rejected because they had already paid {$340.00} on it ( this was from the first claim ). It's been about 3+ months since the original transactions. 
I'm hoping this is a mix-up but I doubt it the way that LoanDepot ignored my contacts. I'm reaching out to my credit card company to see if I can fight this resolution. 
If anyone can help me I'd appreciate it! I have email and voicemail proof to back up my claim.
Unifin keeps harassing me even after I told them to stop calling. I am going to hire an attorney to stop these efforts. So many calls, and they better not report me to the CB 's.
HSBC BANK Credit card, Account number XXXX Date Open XX/XX/XXXX credThis account is over 7 Years old no payments was made on this account since XX/XX/XXXXi have ask for validation and they have refused
I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.
Approximately 5 months ago, I disputed this item with all 3 credit reporting agencies as the item not belonging to me. Upon completion of the investigation, it was determined that the account did not belong to me and the item was deleted from my credit file at all 3 agencies. On XX/XX/2018, this item was reinserted on my XXXX credit report. This item has been disputed 3 times now, with results proving the item does not belong to me, yet it continues to be deleted and reinserted. Also, in accordance with the requirements of the FCRA, the consumer reporting agency should notify the consumer of the reinsertion 5 days prior to reinsertion. I did not receive said notice, therefore, this is a violation of the FCRA.
Sent in three dispute letters to all credit report agencys regarding account XXXX XXXX ) account is not mine, please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts.
My mortgage with Bank of America. Modified on XX/XX/XXXX.through their ( BA 's ) Loan modification program.My contract was structured for staggered interest rates that reached their maximum XX/XX/XXXX@XXXX ( XXXX ) until XXXX XXXXXX/XX/XXXX of XXXX. The final payment on XX/XX/XXXX will be XXXX.
On XXXX XXXX I starting adding XXXX dollar to my payment to accelerate the payoff and in XXXX of XXXX i made my payment ( I was told subsequently that i paid it one day too early and it went completely to principal ) .. I made 3 calls to 5 people @ BA that assured me it was corrected. A couple days later I received my newest bill from BA and it said that my payment l had been raised {$2.00}. After 3 calls and 5 people later i was told it was corrected and that my next statement would reflect my correct payment ( XXXX ). I received my latest bill from BA XX/XX/XXXX. payment was raised XXXX per month. I called BA 2 times before strongly insisting on speaking with and officer of the bank. I was given VP XXXX XXXX XXXX. I have left 3 messages over 5 days, no response. today I went online and my account acknowledged my XXXX payment but surcharged me XXXX.
I have submitted proof of an FBI investigation identifying me as a victim of fraud to all three bureaus, and only XXXX thus far has deleted the erroneous and incorrect information from my credit file. 

XXXX and Equifax need to delete this information immediately.
Follow-up to CFPB Case Number  XXXX  - I received response from Ally Financial on  XXXX   XXXX ,   XXXX   with respect to my prior lease an d Ally ' s assertion of excess tire wear. The response is completely inadequate to my complaint as they have not addressed that their tire tread requirements to a returned lease on a  XXXX  mile contract was, and remains, impossible to achieve on any lease. Ally is fully aware, or at least should be aware, that their tire requirements are false and misleading and is thus a hidden fee to their lease agreements and thus should be considered an illegal action under the  Dodd Frank legi slation and the jurisdiction of the CFPB. The response received  from Ally is a s imple " canned '' corporate response and fails to address the misrepresentation assert ed by Ally in their  lease agreements. Finally, as someone who has leased vehicles for over  XXXX  years with  XXXX  per year mileage requirements this is indeed the first time I have ever been assessed excess wear on my vehicle. I can say categorically that the said vehicle was returned to  Ally in immaculate condition and with tire tread well within legal safety requirements. As noted the Ally lease has both false and misleading requirements that were at the outset impossible to physically achieve, hence should be illegal u nder the CFPB 's mandate!
Vanderbilt Mortgage Finance is collecting too much for escrow which in turn makes my required payment much higher than it should be. Given the amount of tax and insurance, the amount with two months cushion should be {$520.00} and they are charging me {$570.00}. They are also charging me a duplicate tax bill fee which I contacted our tax collector and they stated that this fee should not be passed on to the homeowner as they send the original bill to the lender. I am attaching my escrow information along with the email the tax collector sent to me.
They claim this amount due was for a bill incurred during XXXX. However, I have went back many years on my credit and had seen where several collections companies have passed this around. I called and asked if this debt was time barred and they stated they had no idea what that meant and refused to even acknowledge the terminology. I then called the company of who the debt is owed and after much time they determined this debt was from XXXX and written off. Well passed the statue of limitations. The company where debt was owed agreed with me and is sending them a letter to show account balance owed XXXX and they did not hire them to pursue this further.
I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CBNA '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
After acquirring XXXX XXXX XXXX XXXX on XXXX of this year Synchrony Finacial has called and harrassing as many as 6 times a day. Even after we have given them the information that XXXX XXXX XXXX told us to tell them they continue to call multiple times a day.
I received a statement from Wells Fargo informing me that " Your WELLS FARGO XXXXXXXX XXXX account with XXXX XXXX XXXX XXXX XXXX has been sold to XXXX XXXX XXXX XXXX... '' It speaks of amendments to my credit card agreement, but I never applied for this credit card or any credit card from Wells Fargo.
I had an account with Bill Me Later and PayPal Credit took over my account. They say I owe them money that I do not owe. They even sent statements showing I over paid them {$160.00}, but they say all my debt was not disclosed and I now owe them {$300.00} plus. They added {$100.00} to my account when they took over and late fees because I refuse to pay them. I have never been late, I had XXXX NSF for {$100.00}, when my bank changed my account number due to security. They sent a letter to Bill Me Later who excused the {$25.00} fee and my bank paid the {$100.00}. I need for someone to help with this issue. I do not owe them any money. They say I approved their disclosure but I know when they took over for Bill Me Later, I had to agree in order to view my statement and make a payment.
I at times been a XXXX. 
During XXXX I was an XXXX and my first pay check from them I called XXXX to pay off my credit card. They referred me to LLV Funding ( I do not know the exact spelling ) and was giving an amount and I gave them my card number. I asked twice if this was paid off and I was told this was a settlement. At that time I did not know what a settlement was and now I know. Since I was on a XXXX I asked for a letter of todays conversation and was told that until the payment clears I can not have one. Well when I get back to Texas after the XXXX I did not find a letter to that effect and the next time I was told I only made a payment. 
Since then that company has sent me letters saying I still owe and I only made a payment. Now a new company is sending me letters.
I availed of the Secured Card service from Bank of America Financial Center at XXXX, Connecticut. Their branch address is XXXX XXXX XXXX, XXXX, CT XXXX XXXX Its a Debit Card which required me to deposit XXXXUSD of which i believe XXXXUSD has been set as the credit limit and XXXX USD as security deposit. 

Me and my daugther came back to the US on XXXX XXXX, 2014. i first experienced the issue of not being able to use my card and the online banking days after we arrived. After experiencing more of it i started to call them and made several calls to their costumer service hotline to inquire about about the problem, but the service representative 's answer is that they are not authorized to handle the problem. So i went to the branch where i opened the account and asked them for the reason behind the issue i was experiencing but they told me that only the credit department can resolve this. I made several successful calls with their credit department but they too could not explain why i could n't use my card and online account. It took several months until i finally decided to close the account. I remembered being refunded my security deposit. 

A couple of weeks later i saw a zero deposit promo from XXXX XXXX XXXX XXXX if you open a savings account with them. So i met with one of their account managers, as one of their requirement they told me that they have to run my credit history. so i agreed. This is the very reason for my complaint - the credit history contained a report from BOA - " Gross Abuse of the account " and that it says that i have a balance of 200 something. Right after i saw the report and being denied of the service, i went to the nearest BOA branch in XXXX CT. I asked them if they can check their system if i have an outstanding balance, the teller check but she could n't find my account since i already closed it weeks before. I was hoping to get a collection notice from BOA but not a single one came and yet everytime i call their hotline they always say that they ca n't handle it since i no longer have an account with them. It is because of this report that i was not able to open any account from any banking institution since 2014. Until this time no one from back of america can answer me why i have that comment in my credit report. I should n't even have any balance since it was a debit card, and i why was i refunded of my deposit if i had an outstanding balance.
I previously sent an inquiry to the credit bureaus to have debt collections removed from my file and it is still on my credit report ... ..these debts was obtain without my permission and I have filed identity theft report ... please remove from my file
I applied for a Barclaycard Wyndham Rewards VISA and, after being accepted, was made aware of a bonus offer of XXXX points awarded for purchases made. I called about the offer and was promised the XXXX bonus points for my activity on the card. I performed the required activity but was never awarded the bonus points. I repeatedly contacted the company about why the points were not awarded and they continued to tell me they would be awarded. Finally, after 3 months of repeated calling and being promised the points, the company then said they were not going to award the points. I asked why, but they would not tell me ; they just said I would not be awarded the bonus points.
I am a co-owner of XXXX XXXX XXXX XXXX, XXXX, New Jersey. The mortgage which I believe is an FHA mortgage is serviced by Ocwen. I was behind several payments to Ocwen loan servicing in XX/XX/XXXX. Ocwen refused to accept any payments from me an indicated that they intended to commence a foreclosure action against me. I retained an attorney to help me negotiate a loan modification. I also continued to save the payments that I was not making in a bank account so that if Ocwen required a lump sum payment I could tender the payments to them. In XX/XX/XXXX the attorney negotiated a loan modification trial payment of approximately {$3000.00} per month. I made every single trial payment and continued to make payments to Ocwen. At XXXX point they denied that I made the trial payments, then they acknowledged that the payments were made and indicated there was a problem with there system and they were migrating to a new system. By XX/XX/XXXX they could not give me a concete amount as to what my trial payment was or my permanently modified payment. One month I paid XXXX and then the next month I was told to pay XXXX There was no rhyme reason to the whole process. I have still tendering payments to Ocwen every month. 
Recently Ocwen wrote me to tell me the only reason I am not receiving a Home Affordable Modification Application was because I did not sign the documents. I did sign all documents that were sent to me and returned them to Ocwen. If I did not want the modification I would not have continued to tender the modified payment amount all of these months. My experience with Ocwen has been a maze of confusion that my counsel has not even been able to navigate. Mainly because once a loan modification was negotiated Ocwen dropped the ball for months and months and now maintains that I did not agree to a loan modification when all my action show otherwise. I should not be held accountable for their administrative incompetence. My attorney suggested I file this complaint and if it does not spur the resolution he will initiate litigation. 

My name is XXXX XXXX XXXX XXXX XXXX. 
My loan number with Ocwen is XXXX
We were in foreclosure on our home. We went and spoke to a housing counseling agency who told us to begin saving all of our payments and the past due payments until our court date. On our court date we were told the foreclosure had been dismissed by Seterus although we had received a new foreclosure notice about 2 weeks prior. We asked our housing agency counselor how do we get current we have saved the payments and can pay up to date. She asked the attorney to send us a reinstatement letter. We received that letter after 2 additional requests for it. We went to the bank and wired the funds by the due date XX/XX/XXXX. Plus an additional {$930.00} to cover the XXXX mortgage payment. For a total wire of {$10000.00}. When I called in the following Friday XX/XX/XXXX to confirm Seterus receipt of our payment and that we were in good stAnding I was informed that we still owed the XX/XX/XXXX payment. That we had to pay {$10000.00} based on a statement we received from the company on XX/XX/XXXX. But that statement was received and dated prior to the attorneys letter that we received on XX/XX/XXXX. Seterus is telling us that they have nothing to do with what their attorney sent us. That those numbers were wrong.
I had a public record vacated from the State of New York ( Reference # XXXX ) for {$410.00} filed on XXXX/XXXX/2001. I disputed the item with XXXX, Equifax and XXXX since it was vacated, and I did not owe the monies to the state. XXXX and XXXX validated the account and removed it from my credit, but Equifax has not done so. The must validate the account, and remove it asap.
OnXX/XX/XXXX, I made two online transfers from my Bank of America account to XXXX XXXX at mobile number XXXX, each for {$100.00}. She did not receive either transfer so I wrote her a check for {$200.00}. Later I determined that Bank of America had debited {$200.00} from my account for the two online transfers. After considerable hassle getting to the " right department '' I finally spoke with someone in the " move money '' department. They said they would research the transaction and if it was sent to the wrong account I would receive a credit and if it was sent to an account associated with the mobile number I provided Bank of America they would have the receiving bank reach out to the owner of the account to if the money was sent to them in error ( and then credit my account ).
No one got back with me. I called again XXXX XXXX and was told that Bank of America 's records showed both transfers were made to an account at " XXXX XXXX '' but when they contacted XXXX XXXX that bank had no record of the transaction. Bank of America told me they would do further research and get back with me. They did not. I did some internet research and did not find an " XXXX XXXX ''.
I called again on XX/XX/XXXX. I was told they had determined that they would not give me a credit, nor could they give me the name of the bank ( even though they had already told me the name onXX/XX/XXXX ) and could not give me the name of the account owner. I let them know I had already been informed that the receiving bank did n't have a record of the transaction. They said they would be able to send me the documents that they relied upon in making the transaction. They also said that a supervisor would call. They did not send any documents and a supervisor did not call.
I called again on XX/XX/XXXX and they still would not credit my account and the story this time was that there are no documents showing what account they made the transaction to. But even though they ca n't prove that the transaction was made, or to whom it was made, they will not make a credit.
My case number with Bank of America is XXXX.
Thank you for your assistance.
I have credit inquiries on my report that I do n't recognize. 
For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, Atlanticus Services on XXXX/XXXX/XXXX and so on.