WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was transferred to Specialized Loan Servicing in XXXX 2015 and they have neglected to pay my special assessment taxes and now my home is in foreclosure status. I have copious amounts of notes showing my contact regarding this issue since XXXX 2015. 
In addition I have been sent incorrect escrow analyses showing they have paid irrigation taxes and I pay my water bills monthly. They also have incomplete documentation on all my calls. 
They indicate they will take care of the situation but 4 months later it is still on going.
I disputed each account listed below 4 times with XXXX and Experian. They have failed to provide me with additional information and an original documentation i.e. contract with my signature listed on them. 

XXXX XXXX XXXX Amount : {$440.00} XXXX XXXX XXXX Amount {$480.00} XXXX XXXX XXXX/XXXX XXXX Amount {$440.00} XXXX XXXX XXXX XXXX Amount {$490.00}
Ditech financial purchased my mortgage XX/XX/2016. Ever since then they have not been able to process my payments properly. I have spoken to no less than XXXX representatives including at least XXXX who claim to be managers. I have attempted to sort it out and even worked with XXXX manager named XXXX XXXX to not only update where my payments go but the amount as there was an escrow analysis that resulted in a incrementally bigger payment. Supposedly, everything was sorted. I 've noticed the last month and a half, the updated payment amount is being deducted from my account. However, I am still getting letters that I am past due. I have called Ditech numerous times and have left everyone who left me an extension a message. No one will return my calls. I am doing my best to show my due diligence but Ditech is completely inept in getting this resolved.
Why wo n't you investigate Federal Student Loans? XXXX has a policy in place of applying extra payments toward future payments, thereby collecting more interest and keeping borrowers in debt longer and longer. They have layers of obstacles making it difficult, if not impossible, to pay only the minimum amount each month and pay down principle with extra payments when you can. They threaten to increase your minimum if you ask to make principle reduction. 

Imagine if you wanted to pay an extra {$300.00} on your mortgage, and the bank said they " ca n't do that, and if you ask us again, we 'll raise your interest rate ''. That is pretty much what XXXX is saying to thousands of student borrowers.
I previously submitted a complaint on same company in XXXX ( case # XXXX ) I received letter from creditor on the case # for Bayview Loan Servicing stating they would discontinue all collection Activity on the loan ( DISCHARGED ). 

I have now received a billing from them again for change of my mortgage interest rate and that I owe {$5000.00} that is due XXXX XXXX, XXXX. 

I spoke with Bayview this afternoon and they said I will have to send them a letter and documentation to show the mortgage account was include in my bankruptcy ( Chapter XXXX - XXXX ). 

they were suppose to have all this information and correct their records back in XXXX as per my case # XXXX. 
THIS IS A DISCHARGED DEBT .... CREDITORS WHO VIOLATE THIS ORDER CAN BE REQUIRED TO PAY DAMAGES AND FEES TO THE DEBTOR ... 

Do you need me to submit all the documentation again? 

they need to stop, HOW MANY TIMES DO I HAVE TO CONTACT THEM AFTER WE TOOK CARE OF THIS IN XXXX.
An attorney is trying to collect money deposited with the clerk of the court as compensation for the taking by the town of a small portion of the collateral property under eminent domain. The mortgage was discharged in bankruptcy in 2011 and therefore the bank or its representatives such as this attorney may not legally collect these funds to pay down the debt. The mortgage holder had been previously contacted regarding this issue and advised me that they did not have a department to discuss legal issues with and that they were unable ascertain any course of action in the matter. Now that there is money to be had, they want to step in with their attorney and grab it.
I tried to make an online purchase with my Chase debit card. It was declined 3 times even though I had the funds available. I then made the purchase with a XXXX XXXX, but the next morning the Chase charge went through. I called Chase to cancel the transaction with them, and they have the gal to tell me I need to prove to them I made the purchase on another one of MY accounts in order for them to return MY MONEY to ME. Customer service representative was very rude and yelled at me during my call.
HAD A LOAN FROM REGIONS BANK. REGIONS BANK TOOK THE MONEY OUT OF MY SAVINGS ACCOUNT TO PAYOFF THIS LOAN. THIS LOAN WAS PAID IN FULL. THEY ARE STATING IT WAS CHARGED OFF NOT TRUE WAS NOT CHARGED OFF
I was in a car accident XX/XX/2013. The bills were to be paid by the insurance company. My attorney and I have contacted the companies at least 10 times with no response. The bills should NEVER have been placed on my credit reports and should be removed ASAP from all three credit bureaus. There are XXXX bills from the same company that were placed on my credit reports.
I signed up for a payday loan, and whereas most agencies charge a reasonable fee, even for long-term payday loans. SpeedyCash is charging me {$1300.00} for a {$390.00} loan! According to the paperwork that's 634,88 % ... Isn't that a tad bit obscene? Most agencies charge like {$50.00} at the most for finance charge, even for longer term loans. Isn't that {$1300.00} just a tad bit excessive????
I contacted Experian regarding two accounts that were opened as a result of Identity Theft Experian removed one of the accounts which was found to be fraudulent that being XXXX XXXX XXXX XXXX acctXXXX .... Bal Account charged off. {$5900.00}. They advised upon removal it was found to be fraudulent and was removed in 2016 Experian advised the Creditor requested contact as well. So I contacted XXXX as they said I should I then provided them all of my contact info per their request. Now a year later they reinserted the previously deleted information and Experian subsequently is verifying the account as my own since XXXX now has all of my actual information. This in itself in is a violation of FCRA and XXXX. This account needs to be removed immediately and any reinsertion is to be barred. I did the same thing with XXXX - XXXX XXXX Address : XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Account Number : XXXX .... 
I was advised this account was opened via a credit alert. Immediately notified experian and requested removal. I contacted the creditor provided them my info which they subsequently added to said account. Now once again Experian is " verifying as my own '' the information on the account was out of New york a place I have never resided. This again needs to be removed immediately. There was also a credit fraud alert on all 3 bureaus advising I must be contacted prior to opening any accounts which was not done as well. These accounts are fraud and should not be listed. If they are still on my credit in 30 days I will be filing a lawsuit against Experian. 
The following Inquires are also a result of the above listed fraud and must be removed : 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
Was Contacted by  XXXX   XXXX   XXXX   XXXX  that Equifax has me listed as deceased and i must correct that before they would consider a Car Loan.     Submitted a dispute to Equifax on  XXXX / XXXX / 17  to correct the information. As of today information has not been corrected, and still unable to apply for  a Auto Loan.      Checked today  XXXX / XXXX / 17  list my dispute as expired. Dispute # is  XXXX .     Tried submission of anothe  r Claim today, was unable.
Paid {$7.00} for a credit score, than it stated it could n't provide me with a score. But am able to get a Credit Summary, not a score.
XXXX XXXX XXXX XXXX est I called XXXX customer service at XXXX about my account stating, '' Login not permitted We 're sorry! 
We have a problem with your account that needs to be fixed before we can restore your online access. '' When i called the number it transferred me to an agent whom i spoke with and said that i needed to verify my account. I answered the standard address, phone number, last 4 of ssn etc to verify my account. They proceeded to ask me if i had a device that i could receive a security code on such as a mobile phone or landline. I do not have a cell phone at the moment and provided the agent with my landline to receive the code. My landline happens to be through XXXX XXXX and is a VoIP # that was bundled with my package deal. Because this number is a VoIP # the agent and her manager whom i spoke with both refused to give me the call back so i would be able to receive the code, stating that my chosen way to receive phone service was not secure. They would not help me, tell me anything about my account except that i would have to wait for the mail ( Paper mail ) to receive my code so i would be able to log into my account. 

The second issue i have with this company is there holding policy on credit. I made a payment on my account for over XXXX dollars and because of this, they processed the payment, took the payment out of my account and then as of the last time i seen my account status, ( XXXX XXXX, XXXX ) still had my credit as unavailable for use. They told me when i called on XXXX XXXX, XXXX that it would be up to another 3 days before they would release my credit, even though they had the payment, it cleared my bank account and was in there account. What shady business practices is Synchrony Financial running with there credit operations. I feel as though there discriminating against me because i choose to pay off my account balance instead of continuing to pay them there absurd interest rate payment every month.
I received notification via a letter that was mailed to my new home in MA that appears to be a scam but I can not tell for sure. The notice came from CBCS supposedly, and has my old address as a service address for a XXXX XXXX XXXX XXXX charge but no company is listed and utilities were included in that place of residence where I lived for the entirety of my time in XXXX. I also have not lived there since 2013 and this is the first notice I am receiving. I want to verify that this bill I received for {$30.00} is a scam and report it if so.
PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX and XXXX XXXX We started a short sale on XX/XX/18 and faxed our authorization to PNC. We have sent our authorization in multiple times since then, yet PNCs front end seems to have no access to the authorizations on file. They not only refuses to speak to us, but refuses to transfer us to someone that can speak to us.

This has been a trend with PNC over the last year on ALL our short sales they dont upload the authorizations so their front end can see them, then they refuse to speak to us on the short sales that we are CLEARLY authorized to speak on.

In addition PNC is REFUSING TO SEND US A PAYOFF DEMAND.

These are both violations of servicing guidelines and this needs to stop NOW. I want our authorization uploaded appropriately and I want a Payoff Demand with NO FURTHER DELAYS OR EXCUSES.

WHY is PNC being allowed to violate servicing guidelines??? WHEN is this going to STOP???!!!!
After canceling my account with XXXX, I returned a rental modem using a tracking label they provided. After shipping it, I found out many months later I was being charged for it through a collections agency. I disputed the claim, but recently I discovered the debt has been transferred to a different debt collection agency. 

I have contacted the XXXX representatives many times over the phone, which has transferred me continually between departments. Everyone can verify I was a customer and rented a modem, but no one can give me any information about the shipping label they sent me. According to them I did n't return it, but can provide no proof I did not use their shipping label. They refuse to give me this information and insist on requesting information over the phone despite no department providing this and frequently being dropped between transfers. I recently sent out XXXX certified letters disputing the claim to their corporate office and a billing center, but have received no reply. Online chat support has only directed me to tech support number, who could provide this information. After calling the number, the technician said he did not have this information, but could forward me to customer support, which I 've already spoken with several times.
The account for Child Support has been on my report since XX/XX/XXXX and has been illegally re-aged, since my recent dispute with Experian XXXX has removed this closed account once they completed their investigation. The other XXXX REFUSE to remove it is past the 7-10 years and account is now closed and court ordered by judge to close as well. 
Under no circumstances should a collection account for a debt remain on your credit report after the original creditor 's trade line has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, there 's a good chance the debt has been re-aged. 
The collection agency will simply fix your credit report to avoid any trouble. If the collection agency does n't remove the entry after 30 days, send a second letter saying the same thing and giving the company 10 days to correct your credit report before you file suit against the collection agency for violating the FCRA and report the company to the Federal Trade Commission for illegally re-aging a collection account. 
I have called so many times and was spoken to by Experian reps with total disrespect and very harsh, without even giving me a chance to explain. TERRIBLE ATTITUDES! 
A request that the credit bureau immediately delete the information or I will contact my attorney general and file a lawsuit against the company for violating federal credit reporting practices. Attached you will see it as remains and now the removal status is not until XX/XX/XXXX. NOT FAIR AND NOT ACCURATE! 

Thank youXXXX XXXX
I continue to get calls from Alliance Group about a civil law suit regarding an outstanding payday loan they say I have. I filed a BK chapter XXXX in 2015 and I should have no outstanding debt, I have checked my credit report and have never been contacted by a payday loan company to my knowledge nor have i taken XXXX out. XXXX XXXX XXXX XXXX is threatening me with going to jail, having a sherriff on my doorstep and trying to collect money over the phone. They say the original debt was {$500.00} and now is {$1100.00}. This is not valid and they have bits and pieces of my idenity.
In early  XXXX  of  2017 , I recently got a copy of a background check from a company I was applying to work for ( I applied in late  XXXX     2017 ), alt hough it did not disqualify me it had an incorrect current address as my reported residence despite mailing me the copy to my current address ; for which it came as a discrepency in my reported address. In the report it has my current address as a former address ( which is in  XXXX    XXXX    ) de spite having the most current dates tied to this address and a   XXXX    address as my current address for which I only lived there for a short amount of time, about 4 months due to being stationed there with the military. I used this address only a couple of times, one being that I applied for a credit card out there and used that address in order to receive statements and qualify for the purchase I was trying to make.
I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done any business with XXXX, never signed a contract, nor do I owe them any money.
I've requested since XX/XX/2018 that XXXX provide all documents regarding this loan. Account # XXXX XXXX XXXX XXXX XXXX. My concern is I don't remember signing a loan for {$13000.00} as reported by XXXX as the original balance. Or the other amount reported of {$9600.00} as the credit limit or original amount. All my disputes for this accounts have come back as validated. If this is a consolidation I need proof of all loan documents with my original signature, dates of loans, and schools. A promissory note isn't proof of loans.
I am a XXXX year old XXXX XXXX Veteran, over XXXX XXXX. I have XXXX and XXXX as well. I suffer from XXXX XXXX which has contributed to severe XXXX and serious XXXX issues. My health is very poor and my future is bleak! 

I have received a communication from XXXX XXXX XXXX telling me that I owe {$6700.00} from XXXX through Galaxy Asset Purchasing LLC, the original creditor. However, they will accept {$1000.00} in full settlement of this account. I have no knowledge of this charge and do not believe this bill is mine. 

Thanks in advance for your help!
This is a brief summary please see attached letter. 
Also Attached : Power of AttorneyOrder Appointing Guardian and ConservatorBB & T LetterBB & T Bank StatementThe Only Money that was deposited in that account was father 's social security checks. 
As stated in the attached letter, over the past 7 months, I have been to XXXX BB & T branches ( XXXX, VA XXXX, XXXX XXXX, VA XXXX, XXXX, VA XXXX, and XXXX, VA XXXX ), to try and prevent all that has occurred. Each time, I received different responses from all XXXX branches regarding POA. Also, XXXX different branches provided conflicting responses regarding conservatorship. Now the calls I have received from XXXX XXXX and XXXX XXXX have different policies as well. My experience is that BB & T does not have a consistent set of policies and procedures to regulate guidelines governing POA or conservatorships. This situation caused undue stress on my father and the bank 's actions have made an arduous situation even more austere as my family and I have to fight on another front to recover my late father 's stolen, hard-earn funds. All of this compounds the great pain and loss we are dealing with because of his demise. 
My dealings with BB & T have left several unanswered questions:1. Why was a Counter Check allowed to be cashed when father was in the XXXX XXXX? 
2. Why was I initially allowed online access to my uncle's/father 's brother joint account from XXXX/XXXX/15 to XXXX/XXXX/15, once it was brought to the attention on XXXX XXXX, I no longer had access? On the morning of XXXX/XXXX/15, I set ATM limits to XXXX and they were removed. 
3. Why did I receive conflicting information on whether I had access to close joint account? 
4. Why did I receive conflicting information on putting a debit hold on the joint account? 
5. Why did teller say she thinks POA was revoked, when it could only be revoked in writing?
I am supposed to receive a {$400.00} bonus points after opening a new checking and saving account between XX/XX/18 - XX/XX/18. I opened a checking and saving account on XX/XX/2018 and funded the account on XX/XX/18. I have satisfied all the terms and conditions per the promotion. 

The terms and conditions say : " If you are an Eligible Customer, enroll in the {$400.00} Checking and Savings Offer, and fulll required activities ( see required activities below ), you can earn a {$400.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all required activities. '' Based on the terms and conditions, I should have received my {$400.00} bonus long time ago. I reached out to different bankers ( over the phone and in the branch ) for almost a month. They all said I should have received my money, they have set up the case, but there is nothing they can do. When I reached out to the first and second bankers, they told me to wait, the bonus is coming. The third banker finally set up a case for me and told me to wait. The fourth banker said my bonus has been approved and I should have received my bonus in the week of XX/XX/2018. However, my bonus never came. Then I reached out to the fifth banker, and I was told that there were nothing they can do about it because the case has been set up, the bonus has been approved. Yet, they don't know why I have not received my money yet. They said their hands are tied. I was shocked when I heard that. 

It appears to me that Citibank is lying about their promotion and they don't keep their promises. Citibank even failed to do proper follow up for my complaints, despite I have reached out to different department several times in the past month. I sincerely hope that CFPB can take enforcement actions to Citibank for this dishonest practice and compensate me for this. 

Attachment : Citibank promotion information
this company is calling me for my brothers debt. i told them he doesn't live here. they tell me if he doesn't contact them by a certain time legal action will proceed.i have twice told them this is not his number
I have in my credit report a 30 days late in XX/XX/2018 XXXX XXXX XXXX account # XXXX.I have the account in autopayment .The late payment is incorrect.Please deleted the incorrect information.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
BBVA did XXXX unauthorized distribution out of my escrow account in XX/XX/XXXX. I called numerous times for them to resolve the issue and they say it is a system issue and that they need to " reconstruct '' the account and that they need more time to solve their system issue. I have personally calculated all the escrow payments and disbursement and get back to their " incorrect '' ending balance that they are saying is correct. I have given them time to fix the issue or provide a solution that has n't been resolve from my first call on XX/XX/2016
around XXXX XXXX i noticed my XXXX account was being deminished by XXXX XXXX ... all my va  XXXX money being wiped out of my XXXX XXXXccount by XXXX XXXX. the total amount in the end was XXXX XXXX ) that was stolen by XXXX XXXX. upon further investigation someone had been ordering products using my XXXX account that was saved in my XXXX XXXX account. contacted XXXX and XXXX stated someone did compromise my account and ordered products total of ( XXXX ). it has now been three months, XXXX assuring me i would receive a refund, and i have still yet to receive a refund. the only thing i have received from this is a lot of fees and headaches. i spent three months calling this company and XXXX states you need to call telecheck ... call telecheck and they state you need to call XXXX please assist in this matter as i am a XXXX veteran and i use my XXXX check for my livelihood.