WillisBack/dataset-financial-user-claim huggingface dataset:
Our client is the son and heir of his parents, who were the co-owners of their home in which our client is currently residing. His parents, who purchased their home in XXXX, recently passed away. Our client was the administrator of his mother 's estate, which was recently closed. He has contacted the servicer to request that he be allowed to assume the loan and to discuss his loss mitigation options. The servicer refused to communicate with either him or his brother, the only other heir and successor-in-interest, at all and quickly began foreclosure proceedings. The client has provided the servicer with copies of his parents ' death certificates, estate documents showing that he was the administrator of the estate and a written request that the servicer communicate with him. The servicer refused and stated via correspondence, that the client should contact " our customer directly for information or to be authorized to receive information on the account. '' As XXXX customers are XXXX, that is impossible for the client to do. The servicer has not acknowledged, in writing the notice of error that it was sent. The servicer 's refusal to speak to either of the heirs has caused them to incur additional arrearages, costs and the necessity of retaining an attorney. The client and his brother are the only successors-in-interest and wish to assume the loan and to be evaluated for loss mitigation, but have been unable to do so.
My brother, who happens to be a XXXX in XXXX, received a call from Midland Financial LLC telling him I owed {$1500.00}, then asked for any and all addresses I may be found and finally for my ENTIRE social security number. This was followed by a court date which I could not attend because they sent the relevant documents to an address associated with my house which has been inactive for 75 years. I find this to be highly illegal and I will pay, but I want them to be restricted from these tactics in the future. 
To be completely straight-forward, my brother told me to consider them a scam and ask a more qualified attorney, who also told me to ignore them. If I had known back then who they were I probably would proceeded with legal recourse immediately, though they presented themselves in such a way as to trick me into believing they were illegitimate when in fact they restricted my ability to fix the matter.
I turned in the XXXX XXXX XXXX under miles and in solid condition. I scheduled the handover with the dealership and the representative looked over the car. I made the payment due and was due for 2 more payments which they told me would be billed. I received a condition report the {$220.00} total was due at {$110.00} each tire. I received a letter dated XX/XX/XXXX, stating this is not a bill, but {$1800.00} was total. Another letter dated XX/XX/XXXX was sent out stating how they calculated what is owned as follows : " we used the proceeds from the sale to determine what amount, if any, you still owe us. '' But the amount was the same as in XX/XX/XXXX letter which was not a bill. I have contested the amounts due as I am being charged for tires that were returned with adequate tread. They forwarded a picture which purports to be of tires, after they claim they sold it and you can't even see anything to document that it is even a tire. I sent in check for 2 months and they return check saying couldn't identify even though name, address and 4 last numbers of lease were included. I have resent a check for the 2 months with complete lease number around XX/XX/XXXX and to date do not see it processed. They have told me 2 different ways of determining what I owe but the amount stays the same. Over the phone they said they sold the car but can not produce the bill to show what proceeds were received. I disputed the amounts due back in XX/XX/XXXX. I dispute that the tires were worn as they detailed, they were returned with adequate tread.
I bank with Wells Fargo and I live in the state of Oklahoma. I am unable to close a CD account unless I go into a branch which is over XXXX miles away. My CD account auto-renewed against my personal wishes. 

I want to close it. I can not go into a branch because the nearest one is over XXXX miles away. 

I can not close it over the phone as per company policy ( I am required to go into a branch ). 

I can retrieve the paperwork to close the account online ( and can close it by mailing in the paperwork ), however, I must know the account number which Wells Fargo can not give over the phone. The only way to retrieve the account number is by going into a branch, which is over XXXX miles away. 

I would like to close the account without needing to go into a branch.
fiance wrote a check from XXXX for XXXX which I deposited in my Citibank account on XXXX/XXXX/16. On Monday XXXX/XXXX/16 I traveled to New Jersey for work and much to my horror when I accessed my Citibank account I was told it was blocked and all funds of XXXX plus were blocked due to suspicious activity. I subsequently was told by fraud dept that there was an advisement on check not to pay. However this is a lie as I also had conversation with XXXX and funds were released on XXXX/XXXX/16. Citibank now states check is good but wanted me to wait until XXXX/XXXX/16 to release funds. When I asked for proof that XXXX ever stated that the check would not be paid the fraud person XXXX became extremely rude and told me the info was proprietary and I was not privy to it and I was also told too bad that I would have to wait until XXXX/XXXX/16 at least until having access to a check that that Citibank knew was good on XXXX/XXXX/16. Needless to say I am extremely frustrated, angry and humiliated by the Citibank 's handling of this matter. The need also to make good on all late fees and penalties that I have incurred.
Navient is showing up on my credit report as late on 9 different loans but not on all my loans that I had at that time. There where different services during that time and they can not explain to me why it is reporting late over 90 days for XX/XX/XXXX and XX/XX/XXXX which are summer months. I have attached an email that I sent directly to XXXX XXXX and she still has not responded to me.
A credit card account with XXXX XXXX XXXX XXXX XXXX continues to be reported with an open balance. 
The account is paid in full and is now closed, however, Experian continues to report the account has an open balance despite my several attempts to have this corrected, Experian has not thoroughly investigated the account and continues to report the account with an unpaid balance and still open.
I switched from my XXXX postpaid to prepaid. XXXX reimbursed me for overpaid fees by sending me a Citibank prepaid card preloaded with these fees ( roughly {$27.00} ). To access the funds I needed to " register '' the card on a website operated by Citibank. This was necessary to have the funds wired to my bank account as I did not want to use the debit card. However, the Citibank website XXXX logs me out every time I either try to have the funds wired or being sent to me as a check. After having tried with different browsers I gave up and started using the card to pay for purchases in order to make some use of the funds. However, to do this, " activation '' of the card is necessary as well and the activation leads to additional costs, depending on card usage etc. Trying to cancel the card is not possible as the website is broken beyond repair for weeks now and the phone number provided only is a robot that is not helpful. 

So XXXX forwarded the money they owe me to Citibank, which provided me with 3 ways of accessing these funds ( transfer to bank account, send check, use card for purchases ), all of them forcing me into an agreement with Citibank which produces additional costs, two of them not working at all due to website errors, and no working way of cancelling the card.
I am questioning account number XXXX with Debt Recovery Solutions by reason of I have sent several dispute letters to the credit reporting agencies and it comes back verified  every single time. They are demanding that I owe {$820.00} to XXXX on my credit report. I have contacted Debt Recovery Solutions to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
I created a new coinbase account on XX/XX/XXXX for business purposes, verified my ID, and now my personal XXXX account where several thousand dollars are held wont let me login. When trying to login to XXXX, it gives this message : Attention required! Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact XXXX I emailed XXXX on XX/XX/XXXX and received this reply : " In an effort to more quickly respond to requests, directly emailing XXXX is no longer enabled. 

To get a response from our support team, please visit the following page and complete the request form : https : //support.coinbase.com/customer/portal/emails/new '' I opened a ticket at the support website on XX/XX/XXXX and have n't received any resolution.. 

I emailed XXXX explaining everything above, on XX/XX/XXXX. Still no resolution.
A loan company tried to pull my Equifax credit report and was unable to. When I contacted Equifax on today, I was told there was no record associated with my social or previous address. And I was told the only thing I could do was make sure my creditors are reporting my info to them. I have credit history dating back to 2001. I can't apply for more credit until this is resolved.
I have a credit card fraud few years ago, which is {$550.00} from my XXXX credit card, and the transaction was with XXXX XXXX. Finally the issue was resolved by the bank and XXXX, and the money was refunded. 

On XXXX 2015, I saw in my XXXX credit report, there is a collection from a third party collection company " XXXX '', with {$550.00} amount, stating XXXX. I worked with my bank and the collection agency and finally resolved after few weeks painful work. It was finally removed. 

On early XXXX 2015, I noticed the collection is back to my credit report again with a different collection agency " Diversified Consultant '', on my XXXX reports. 

It 's been ridiculous, and it 's extremely painful to work with XXXX XXXX and the collection agencies, since I was never a customer of this company, and each time I contact XXXX, customer rep always states I was not a customer, and they do n't have my info. And collection agency always ask me to get info from XXXX XXXX. 

It 's illegal to collect a debt that I do n't owe ( and resolved by bank and debt owner few years ago ), and repeatedly show up in my credit report with different collection agencies.
XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Has placed a collection account on my   XXXX   report in the amount of {$600.00}. I received no notice that this was going to be placed on my report. This was done  XXXX   XXXX ,  2017 .
American Express has been holding mine ( and countless others ) direct deposits for days with no other information given other than " its a technical issue '' '' but " your money is safe ''. I've been told the problem started Friday, XX/XX/XXXX but no cardholders were notified. On Sunday XX/XX/XXXX my employer transferred my wages to them and as of today Tuesday XX/XX/XXXX I still do not have access to said monies. I did receive an email last evening stating they were aware of the problem and were working on it. I called the number given ( XXXX ) and was advised the funds will be released shortly and no later than 24 hours. As of now ( 24 hours later ) I still have none of this money in my account and now they are suggesting I wait ANOTHER 12 then inquire again. I am not alone and after finally acknowledging this issue via XXXX today, they are no longer updating any of us affected. I have called multiple times, spent hours on hold and have nothing to show but more late fees tacked on by my utility companies. The company is still giving us a run around with no end in sight. I have spoken to both the customer service department with Bluebird by American Express and at the holding bank ( XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, UT ) but all they can tell me is they see my funds being transferred but are unable to make these funds available until after their technical department has resolved a problem on their end. 

On Sunday ( XX/XX/XXXX ) at approximately XXXX funds were transferred from my employer to XXXX XXXX XXXX XXXX but not made available to me. 

On Monday ( XX/XX/XXXX ) at approximately XXXX I was made aware of a problem via email with no other information. I called the phone number given immediately and spoke to a regular agent as well as their supervisor " XXXX ''. Both parties advised me the problem would be resolved within 12-24 hours.

On Tuesday afternoon with still no funds available a statement was made from American Express via XXXX acknowledging this problem only. I again called the support line ( XXXX ) and spoke with 2 more agents for Amex. Both the agent ( XXXX, employee # XXXX ) and next level Supervisor ( XXXX, employee # XXXX ) told me there are no new updates and to wait another 12 hours. They were able to confirm said funds were being held by XXXX XXXX XXXX XXXX in UT but nothing else. I then called the bank directly but all they could tell me was this has been an ongoing problem since Friday and they are working on resolving it. 

As of this moment I have no other information and/or idea when my wages will be paid to me. I am incurring multiple late fees for being unable to pay my living expenses and as of today I will have to go without much needed medication. I'd just like my money to be made available to me so I can withdraw them and cancel all further business with this company.
They have allowed XXXX XXXX XXXX to reinsert the paid off debt. This debt was paid off, and was deleted..Now its been reinserted.
PayPal are holding XXXX for 180 days as they say I violated thier terms of use. I really need this money to feed my family how can I get it back?
XXXX is wrongly reporting late payments on my credit reports for my secured credit card. They should remove the late payments or delete the Account in it 's entirety. Ask Equifax to delete the account asap.
In XX/XX/XXXX, our daughter was entering college and I applied for a Parent Plus Loan. I completed the application. My husband 's information was not required or requested. Our daughter 's school application had both her father and I on the loan. My husband and I share a bank account and have always shared a bank account. My husband and I have only this XXXX child and have been married since XX/XX/XXXX. In XX/XX/XXXX, my husband was injured in a fall at work which subsequently ended in XXXX XXXX. Shortly after his injury, we filed Chapter XXXX bankruptcy because we were unable to pay all our bills with him now being on workman 's comp and receiving 60 % of his normal income and the knowledge of XXXX XXXX forthcoming. At the time of the application for the Parent Loan, our income together was close to $ 90,000+ per year. Our income sharply declined to our current level of {$39000.00} for me and {$21000.00} for him. I have contacted XXXX and XXXX the servicers of the loan and explained the situation. Their policy is to forgive the loan should a parent become XXXX. They refuse to forgive this loan of {$17000.00} and our daughters loan of {$14000.00} because my husband did n't sign the loan application, YET they are wanting to debit OUR joint account for payment. My last conversation was on Wed XX/XX/XXXX and we have {$150.00} in our account. They wanted to debit {$240.00} on XX/XX/XXXX. I can provide all substantiating documents regarding the loan and my husbands XXXX.
I have a mortgage with Wells Fargo Bank and I believe they are not processing my payments upon receipt. I tried to get a home loan in another state where I now live and the lender said that wells fargo reported me 11 times for being 30 days or more late on my mortgage in the past year which has affected the opportunity to buy a home in my new state. I spoke with a wells fargo rep who reviewed my payment history and confirmed that I have not been more than 30 days late in the past year but refused to write a letter stating this for the lender I am trying to work with here in my new state. I then went into the Wells Fargo mortgage web site to look at my payment history over the past year from XX/XX/2018 to the present and the only payments showing in the history are for XX/XX/18 then it jumps to my XX/XX/18 payment and no payments in between. I believe wells fargo is not giving accurate information to the credit reporting agency and they have not been immediately applying the funds I pay to my mortgage account in a timely fashion so as to cause my payment to be late thereby charging me a late fee. I am requesting a full investigation into wells fargo 's management of my mortgage account. Thanking you in advance. 

XXXX XXXX
In XXXX of 2019, I applied for a Gold Delta SkyMiles Credit Card through American Express ( AMEX ) During a promotional period. The promotion states, " Earn XXXX Bonus Miles after you make {$2000.00} in purchases on your new card in your first 3 months and a {$50.00} statement credit after you make a Delta purchase with your new card within your first 3 months. '' Also, the offer states, {$0.00} Introductory annual fee for the first year, then {$95.00}. '' I received the XXXX bonus miles and the {$50.00} statement credit. However, AMEX charged my credit card the annual fee, which is suppose to be waived the first year. I contacted AMEX, spoke with three individuals, including a supervisor, who all stated they can not locate this promotional offer. I offered to provide AMEX with a copy of the promotional offer, but they refused to accept it.
I am filing a complaint against Bank of America. For the third time I have been sent a Mortgage Modification dated XXXX XXXX, XXXX. The modification that was sent doubles my current payment and there was a modification that has been completed, filed and recorded in XXXX County, Florida I have a completed Modification that was recorded XX/XX/XXXX. This is the second time I have filed a complaint against Bank of America for this same issue. I was assured by their Resolution Department earlier this year that the issue had been resolved.
My account Payment History from  XXXX  was disputed, as it was erroneously reported that I was 90 days late. I wasnt 90 days late, as I was in forbearance. I sent in evidence and you confirmed w/ the  XXXX , that my account was in forbearance AND not 90 days late. Attached are screen shots from my credit report today and that on   XX/XX/XXXX . Notice  the missing payment history.   XXXX  Please correct my payment history that was removed. Payment history is 30 % of my  credit score a nd its accuracy is most important. Payment History from   XX/XX/XXXX   and  XX/XX/XXXX  is missing!
On XX/XX/XXXX I had emailed to MLD Mortgage Inc. that I had prepaid XX/XX/XXXX 1st & 2nd quarter real estate tax totaling {$12000.00} and I also attached proof of payment in the email. I requested MLD Mortgage Inc. to refund the real estate tax I had paid myself because MLD Mortgage Inc didn't have to pay it from my escrow account. I had also repeatedly made phone calls to request the refund, but nothing was being done.On XX/XX/XXXX I was told that the tax refund would be sent out in a week. As of XX/XX/XXXX I checked my escrow balance, MLD Mortgage Inc. has not refunded any extra escrow money.
Civil case hearing on XXXX XXXX, XXXX in XXXX XXXX court resulted in the case dismissal. 
The case was dismissed in Civil Court by the judge due to fraud. There is no responsibility/liability for the auto loan in the amount of {$25000.00}. 
Also, an answer & affirmative letter written by myself was submitted to the court and sent on XXXX XXXX, XXXX to the attorney which represented XXXX XXXX XXXX demanding that the loan is removed from the XXXX credit report. The letter included detail information which was presented to the court at the time of the hearing. 
This fraudulent auto loan was also disputed 3 times directly with XXXX to no avail. 
Prior to the civil hearing the same complaint was also submitted to the consumer protection bureua ( XXXX ) for investigation on XXXX XXXX, XXXX. 

Reporting information that XXXX XXXX XXXX knows to be inaccurate violates the Fair Credit Reporting Act. Reporting invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State laws.
I am a victim of Identity theft. I wanted to make sure I was doing everything correctly so I read up about what to do at the FTC website. That said, it has been 3 months and Equifax still has not deleted the unknown accounts. 

I reported the fraud to the FTC and provided the case number to Equifax. I also filed a police report with an officer, picked up the Police Report from the records office and had it stamped by them. 

In addition I had the police report and my personal statement notarized and I am still being ignored by Equifax and the unknown accounts remain on my credit. I dont know what else to do but to file a law suit if you cant help me. 

The following entries do not belong to me XXXX XXXX XXXX  Acct Number XXXX XXXX XXXX Acct Number XXXX XXXX XXXX XXXX Acct Number XXXX XXXX XXXX Acct Number XXXX US BKPT Identification Number XXXX US BKPT Identification Number XXXX
When HARP started my county ( XXXX XXXX, Florida ) opened an office to help residents get refinancing for their home loans. I filled out the paperwork, the county submitted it to BofA.. When BofA received the application, they immediately started placing all of my monthly payments in a private BofA account, ( they called it escrow ), not in the loan account. It started showing up as NO MONTHLY PAYMENT MADE on my credit report. The county complained, I wrote letters to BofA. I got a response that said they were holding the payments in escrow.. and I was NOT behind. BUT, on my credit report is showed I had not made a payment in over 2 years. That is still on my credit report. I have letter from BofA in XXXX stating that I was up to date on payments. BUT, it still shows on my credit report that i did not make a house payment for over 2 yrs ... They eventually rejected my application. BUT, NEVER retracted the 2 yrs. I complained every way possible. Lawyer wrote them.. still it shows on my credit report that i did not make house payment for 2 yrs.. I applied to another firm for refi. They saw the BofA entry.. Asked me.. i sent them the payments for every month for 2 yrs. They said BofA should remove that statement. They did refi my house. BUT, I still have the lines in my credit report. I needed a XXXX in 2010. They would not grant it because of the line in my credit report. XXXX sent an investigator ( retired FBI agent ) to my house for interview. I showed him my file, he agreed, BofA was lying on the credit report. I was granted the clearance based on his review. I got to XXXX and my agency hasseled me over it. I fully expect that my clearance will not be renewed when the time comes because the line is still in my credit report. I have tried every way possible to get BofA to remove that line. If you have another way? Please speak help me. It keeps my credit score low because it shows i did not make a payment for over 2 yrs. 
thanks for reading this ...