WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to you in the hopes that you can help. My mortgage company, BSI Financial, whom my mortgage was sold to has been causing continued harassment and grief. I am a single woman working to pay my house off and this company 's only mission seems to be to continue to make it more and more difficult to do this. I came to the end of a loan modification beginning 2015 and my mortgage became at an adjustable rate. I had been making payments of XXXX and now my payments are at XXXX a month. As this lump sum was difficult to make by the first of every month I called them and asked if we could break the payments into XXXX each month and was advised that this would not be a good idea, therefore I am only able to make the payments by the end of the month and keep in mind, each month I have and I have also attached a late fee with each payment. This is the only way that I have been able to make the payment in full each month. I, in the meantime continue to get harassing calls all month regardless of what I try to tell them about my financial situation. 

Approximately six months ago, BSI Financial calls and tells me my loan is going into foreclosure if I did n't come up with something like XXXX dollars, again, keep in mind I had been making my payment by the end of each month with the late fee attached and was up to date with my payments. When I called to inquire about this, I was told that the total of my checks had not been the correct amount and to be honest with you, the way that these bills read, I have not been able to determine what I owe each month. Therefore I simply look at the regular monthly payment on the bill with taxes and fees and add the late fee. 
Regardless of the fact that my check is there every month by the end of the month, BSI Financial is holding the check in the first week, sometimes two weeks into the month before cashing it and now, I learned that they are reporting to the credit bureaus that I have late payments on my mortgage. I have been trying of obtain a refinance on my home to get myself into a more affordable situation and not lose my home and not one bank will look at me because of this. 
Another example : I had applied for a personal loan from a company who needed to see that my home was current on mortgage payments and when they looked into it, BSI Financial was appearing online as my house being paid in full. When I call to ask about it, the response was oh, that was our mistake, we will take care of it right away. 
Currently, I just received a statement claiming I now owe XXXX and my payment is current up to the end of XXXX 2015. I have made several attempts to contact BSI Financial and am put on forever hold to the point where I have to hang up. 
I have looked this company up on the XXXX site and they are not even XXXX members. I looked up this company on the consumer affairs site and there are literally XXXX complaints with the same description of consumers confused about money owed, harassment, credit destruction. 
Can someone please help me! 
Thank you for your time, XXXX XXXX XXXXXXXXXXXX
On XXXX/XXXX/2015 I purchased a refrigerator from Sears. They gave me a discount for signing up for their XXXX XXXX. I never received a bill, statement, late notice, etc. on this account. I never even received the XXXX XXXX. All my bills are paid by " auto pay '' and I simply forgot about this bill. The collection agency mentioned my previous address so my speculation is the correspondence was sent there. I did not give this old address to Sears, I can only assume they found it on an old Sears " XXXX '' account that I use to have. If they did send it to this old address, then the company should share blame for not doing due diligence and catching this mistake when they approved the loan. 
XXXX contacted me on XXXX XXXX to inform me this account had been turned over to them for collection. I immediately paid the amount due in full ( including penalties ) from my checking account and the check cleared my bank the next day. 
I am XXXX years old and I have never missed a payment in my life. If Sears had sent me a bill or late notice, this account would have been paid
I have several hard inquiries removed or deleted from my XXXX file that are duplicates on my XXXX and Experian credit files. They include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have received a notice from XXXX stating that these were indeed deleted. So I 'm writing a complaint that I contacted XXXX and Experian to see if I could request a removal of said inquiries to no avail.
I have a {$94.00} medical debt that 's negatively impacting my credit score. I called the company to set up a payment plan to get it paid off and removed from my credit score. I am pursuing payment for  deletion of the account from my score. The first man I spoke with tried to indicate to me that I owed {$110.00} and change, which is incorrect. My credit report and the bill from the original medical company both confirm the amount is {$94.00}. He then corrected and confirmed the amount. I requested our agreement of payment for deletion be put in writing, for my records and an assurance that it would definitely be removed. The representative said that he could not do that, at which point he transferred me to his supervisor in case she could. When XXXX XXXX, collections manager, picked up, she refused to acknowledge the {$94.00} bill and instead insisted that she 's legally allowed to charge me interest on a MEDICAL BILL on behalf of her collections agency. This is illegal. She attempted to bully me into accepting the {$110.00} amount, was extremely condescending and suggested I do " research so that I know what I 'm talking about ''. I then requested a copy of my recorded call with the male representative and her be sent to me for this report. She refused to furnish copies of the records of my communication with the male ( in which he promised the correct amount was due and a deletion upon payment ), and told me her line was private and unrecorded.
i closed my account about 2 years ago. i applied for reduction of interest and they enrolled me for one year automatic payments. it expired this XXXX 2018. 
i add to my monthly bill so that interest will go down but despite me doing increases in payments ... they continue to increase the interest even if the balance decreses. 
i stop calling them because they are NOT INTERESTED IN HELPING CLIENTS. 
they just need MORE MONEY TO THEIR POCKET..GREEDY BUSINESS PEOPLE
In XXXX of XXXX, I was considering applying for a HELOC through my BofA. I spoke to an agent and discussed some options - HELOC vs a refi wth cash out. He stated he needed to verify my information before he could submit an application. He asked about my income and expenses and marital status (?? ), then he explained there is not enough equity in my home to do a refi - I owed XXXX, then it was worth XXXX, then he said I did not have enough equity in the home to do a HELOC. I kinda got the impression he was racially profiling me as a XXXX XXXX XXXX XXXX I earn about XXXX annually and have good credit. He said he would double check and call me back. I never heard anything else from XXXX or BofA. In XXXX XXXX I remodeled my kitchen and decided to try to apply for a HELOC, When I pulled my credit report, I saw the hard inquiry from XXXX. I never authorized credit inquiry, never started an application and the agent I spoke to never submitted XXXX or even called me back. I have tried to have this inquiry removed because I did not authorize it.
This is written notice to American Express that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act, Fair and Accurate Credit Transaction Act, and Colorado state Statutaes. I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested that a COMPLETE VALIDATION of this account. In which has been being illegally displayed on my credit reports ( XXXX, XXXX, and XXXX ) be VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to American Express by law. The disputes listed in my original complaint must now be completely removed from my credit reports. ( American Express you have now legally exceeded the time frame allowed to you by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA, FDCPA, FACTA and Colorado and Federal Statutes. 
I HAVE DISPUTED THIS ACCOUNTS INFORMATION WITH AMERICAN EXPRESS SEVERAL TIMES ( CFPB REF NO : XXXX ) IN REGARDS TO THE INACCURATE INFORMATION IN WHICH YOU CONTINUE TO ILLEGALLY REPORT ON MY PERSONAL CREDIT REPORTS! AMERICAN EXPRESS HAS WRITTEN BACK TO ME STATING THAT THEY HAVE GIVEN ME A COURTESY OF REMOVING {$8.00}, BRINGING MY BALANCE TO {$0.00}. AS OF MY RECORDS, AMERICAN EXPRESS HAS NOT GIVEN ME ANYTHING, BECAUSE AS OF XXXX XXXX, 2016, WHEN I CONTACTED CUSTOMER SERVICE, THEY STATED TO ME THAT THE CURRENT PAY OFF AMOUNT FOR THIS ACCOUNT WAS {$2200.00}, '' I THEN ASKED THE REPRESENTATIVE IF THIS INCLUDED ALL OF THE FEES THAT WOULD BE ASSOCIATED WITH MY ACCOUNT ''. THE AMERICAN EXPRESS CUSTOMER SERVICE REPRESENTATIVE THEN STATED TO ME THAT " YES THAT WAS ALL THE REQUIRED FEES THAT WERE ASSOCIATED WITH MY AMERICAN EXPRESS ACCOUNT '' AT THE TIME OF IT 'S " CLOSING ''. I WOULD NOW LIKE TO ASK AMERICAN EXPRESS, HOW ARE THEY TRYING TO CHARGE ME {$8.00} FOR AN ACCOUNT THAT HAD NO PRIOR PURCHASES MADE ON IT BEFORE THE ACCOUNT WAS CLOSED, OR AFTER THE ACCOUNT WAS CLOSED. AMERICAN EXPRESS IS CONTINUING TO REPORT THAT I WAS LATE ON THIS ACCOUNT AFTER THE ACCOUNT WAS ALREADY CLOSED XX/XX/XXXX! AS YOU AMERICAN EXPRESS ARE IN FACT NO DOUBT AWARE, THAT THIS IS KNOWINGLY AND DIRECTLY VIOLATING THE FDCPA, FCRA, FACTA, AND COLORADO STATUTES, TO CONTINUE TO REPORT THAT THIS ACCOUNT IS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF IN THE TIME FRAME ALLOWED TO AMERICAN EXPRESS BY LAW THAT IT IS! 

AS YOU AMERICAN EXPRESS ARE IN FACT NO DOUBT AWARE, THE DOCUMENTS THAT YOU HAVE MAILED TO ME ARE NOT A COMPLETE VALIDATION OF THIS ACCOUNTS INFORMATION! I HAVE REQUESTED VALIDATION, NOT VERIFICATION OF THIS ACCOUNT.
I had opened a checking account with Bank of America a few years ago, and I had gotten a secured credit card. Unfortunately I had overdrawn the bank account, and my card went to collections. 

In XX/XX/XXXX, I went into a Bank of America location to pay both accounts off in full, in cash. Upon attempting to pay my debt in the branch for the secured credit card, they told me they were unable to accept my payment. They did however accept payment for my Checking account. 

I have been denied opening a checking account at a local credit union in XX/XX/XXXX. They told me to investigate with XXXX XXXX. 

I contacted XXXX XXXX, and Bank of America is not on my report, however, I was told by the branch manager, that the checking account from Bank of America was not showing paid. 

I have contacted Bank of America in an attempt to have documentation forwarded to myself and the local credit union. They told me that they were sending this documentation via fax to my credit I attempted to pay the debt in XX/XX/XXXX, and I feel that it should reflect that. I am paying the balance in full today, XX/XX/XXXX, as I have been informed by Bank of America 's collections department, that I CAN indeed pay in the branch. I was told that if I had any problems paying this debt, to contact Bank of America back at XXXX, and speak with a supervisor. Unfortunately the supervisor also told me they were unable to adjust the report to the credit bureaus. 

I feel that Bank of America has violated fair debt collection practices by refusing my payment in XX/XX/XXXX.
I Have received a collection from convergent outsourcing. for a XXXX account. I have never had XXXX. This was already resolved once before with the previous collector. I am trying to purchase a home and this is falsely being put on my Credit report. please remove.
XXXX & Transunion continue to erroneously report multiple public record items that their public records vendor is not reporting ( see attached ). Additionally, XXXX has covered the fact that XXXX is it's public records vendor in a malicious effort to harm the consumer ( ( XXXX PUBLIC RECORD SETTLEMENT Case No. XXXX ( XXXX. XXXX ) and Case No. XXXX XXXX XXXX. XXXX ) United States District Court for the XXXX XXXX XXXX Virginia ) ). I am requesting these credit bureaus be investigated in my case ...
Complaint for XXXX/TD Bank ( via XXXX XXXX ) - I purchased a mattress with a payment plan. I did not receive notice that the payment account was set-up and due until the first due date had already passed. I went online and paid the monthly payment of {$60.00} and attempted to set-up a re-occuring monthly payment in XXXX. I did not pay the late fee assessed because it was unwarranted. In XXXX I again had to go online and set-up the monthly re-occuring payment because it hadn't worked the first time and they were assessing me more late fees. Today, XX/XX/XXXX, I called them and learned that the monthly payment would not go into effect until XXXX, so I had missed the XXXX payment and they are assessing me yet another late fee. Their online system is XXXX and very difficult to use. I saw confirmation of the monthly payment set-up when I did it, but now there is no trace of it on my online account, not under transactions, or payment, or pending activity, or anything. According to customer service, I just have to trust that it is set-up now. I do not understand their system. I think it is purposely intended to allow them to assess unwarranted late fees. I tried speaking to two different representatives on the phone and the best they could do was to remove 1 of the late fees, and ONLY if I pay the rest of the payment in FULL first. What kind of fraudulent practice is that?
I have had a Home Equity Line of Credit with the Capital One Bank for 10 years. I have never missed a payment and was never late in 10 years. ( I have been with the bank for 31 years, have XXXX accounts and XXXX credit cards with them. ) The maturity date was coming up in XX/XX/XXXX and I was told to get into the bank to refinance the loan before the maturity date and give me an extension on the loan while I was in the refinance process with them. I did get in before the date and started the loan process. I requested the extension and the loan officer said we just needed to hurry up. I asked if there was an extension given several times. She said do n't worry about it, we 'll get it done. 
During the loan process I continued to make my payments on the loan as usual. To my shock the payments I made on the loan were accepted and then the bank returned the money to my checking account. What? The bank employees did n't seem that was so bad because we were in the process of a refi on that loan. 
I spoke with the extension department and was told I should have come in 4 days earlier or 2 weeks and I could have gotten an extension. 
To fast forward a bit, the bank says they will report non-payments to the Credit Bureau that I did not pay my loan and am 2 months late. Are you kidding? I have n't been late or missed in 10 years on that loan!!!! 
I called the corporate offices of this bank and was given no consideration for loyalty or good payment history. They were rude and told me I should have come in a month earlier. Yet, I did come in before the maturity date, that was the defining time. Now I find out that the time difference was only for their convenience, to collect some data that I know you can get in 1 or 2 days. And nothing has to do with me as a good customer. 
I have good credit and have no bad things on my credit. Now they are claiming they are going to report me as late on my loan and I have never missed a payment through the life of the loan. In addition I paid while in the refinance process. And have proof of this. This whole handling of this event is so unfair and absurd! Everyone I tell this to can not believe it. 
What can I do to not let this happen to my good credit that I 've worked so hard for? Please let me know how to handle this. 
PS i was misled and taken advantage of by the bank officer which is another story on its own.
The loan modification was submitted to the lender on XX/XX/2017 - the lender is refusing to review the file due to an upcoming sale date - The lender is in violation of RESPA, they accepted the package and have refused to postpone the sale date to allow the review to take place.
I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
My current address is XXXX XXXX XXXX, XXXX, IL XXXX pleased delete the following address they are not mine : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX my current and ONLY NUMBER IS ( XXXX ) XXXX I have never even had the following phone numbers please delete remove : ( 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 ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
I was contacted by CMRE Financial Services regarding a debt that i do not recognize. I sent them a written letter disputing the debt and asked for proof. I have just received a letter XX/XX/18 showing me the amount owed and the collectors name, still do not recognize it. I had some reasons to believe my identity had been stolen a while back and reported a 90 day monitoring by all 3 credit bureaus. What should be my next step if i KNOW this debt does not belong to me?
I have consistently been mislead and misinformed by Navient and it 's employees. Every time I have contacted Navient about my outrageous loan payment programs I have been given different and conflicting information from each person I speak to. Most recently, I attempted to change my student loan repayment plan in an effort to alleviate some of the interest payments and lower my overall final repayment amount. I was less concerned with lowering my monthly payment and was looking for a plan that I could still afford but that would actually help me be able to start chipping away at my principal payments and not just slowly paying interest, which was perpetually compounding. I spent over 15 hours on the phone ( spanning several days ) with Navient personnel and was given different information each time I spoke to someone. After countless efforts to pick the best plan for my situation, I was informed that Navient does n't really offer plans to help you pay down your loans, only to help you pay as little as possible each month. After finally hashing out the best plan ( out of all terrible options ) I was told that in order to switch plans, all of my outstanding interest would be compounded onto my principal, increasing my principal amount and forcing me to pay interest on what as previously interest when my new plan started. Faced with no other option, I followed all of the steps I was required to in order to change my plan, however, when I checked my statement a month or so later ( after the plan should have gone into effect ) I noticed that my plan had not changed. I called to fix the problem but I was told they could not apply the new plan retroactively, so I was still forced to incur the higher interest amounts on the loans for the time that my plan should have been changed and those interest amounts would still be added to my principal once the new plan actually went into effect, essentially forcing me to pay houndeds if not thousands of extra dollars over the life of the loan. This account is unfortunately one of many issues I have had with Navient.
ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS INFORMATION TO CREDIT FILE ... .. ( 3 ) CREDIT CARD ACCOUNTS : " XXXX , XXXX XXXX AND XXXX XXXX '' ... I HAVE SENT EACH " CRA '' NOTICES AND PROOF 4X AND ALL " CRA '' FAILURE TO COMPLY.
I was attending XXXX XXXX university online. I was offered a grant of up to {$1800.00} if I wrote a 500 word essay stating why I needed it. 6 months later I received a bill in the mail for XXXX dollars. I was never told I would have to repay the grant at the time I wrote my essay or on the application itself. They are withholding my transcripts from me and have documented this false debt amount on my credit report for {$2000.00}.

*I have the actual application I used when I applied and I also have a picture of the 500 word essay for the grant application I wrote documented in my student online account under my documents showing I did indeed write the essay. *
The application online for an income driven payment plan is wrong. When you call they give you different information ... .then send you things like this that are wrong ... 
How to Apply Online - New Applicants To expedite the process, we recommend applying online : Log in to StudentLoans.gov.

Select " Apply/Re-Certify/Change an Income-Driven Repayment Plan. '' Choose the button that reads, " Start Application. '' Follow the instructions online to complete your application. 
You can select the option within the application to securely retrieve your most recent tax return information from the IRS online, which may expedite our review of your application. 
Electronically sign the application. 

This doesn't work and the customer service people tell you that. They also tell you confusing things that also dont work. I'm having to send things through snail mail ... in XX/XX/2019. XXXX????
Chase lowered my credit lines to within a couple hundred dollars of the balance claiming our other cards had rapid increase in balances, ruining my credit. That is because we were using 2 cards to do our major remodel, and were going to pay them off after. They have better rewards than you. This ended up showing THESE cards being maxed out. My other 2 cards you were referring to were still within a few thousand of the credit line. NOT MAXED. During our remodel, my husband had emergency XXXX. You are discriminating against people due to humanitarian reasons. You lured us into getting a XXXX card for 0 % when we went on our big XXXX vacation in XXXX, then wreck my score. This mendacious, deceitful business practice will not be tolerated. I have now PAID THESE CARDS IN FULL! But wait, you have now added a {$64.00} finance charge on the XXXX card because my payment posted the same day as the cycle date. I WANT THAT REMOVED IMMEDIATELY.