WillisBack/dataset-financial-user-claim huggingface dataset:
this credit card charged off in XX/XX/XXXX and is showing on my CBR that the balance is {$0.00} however, Bank of America Contacted me on XX/XX/XXXX via email. below the the mail they sent : Bank of America XXXX XXXX XXXX : This is a reminder that your account ending in XXXX with a balance of XXXX has been charged off because of missed payments. However, you 're still responsible for making payments on the outstanding balance until it 's paid in full. What you need to do Please call us at XXXX Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern to review payment options. We 'd be happy to assist you. If you do n't wish to discuss payment arrangements, please choose one of the following payment options : 1 payment of {$10000.00} 12 monthly payments plan ; First 11 payments of {$910.00}, 12th payment of {$920.00} 36 monthly payments plan ; First 35 payments of {$300.00}, 36th payment of {$310.00} 60 monthly payments plan ; First 59 payments of {$180.00}, 60th payment of {$180.00}  Mail your payment ( s ) to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. Be sure to write your account number on the front of your check or money order. What you need to know The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. We will also not consider any payments you make under this offer as extending or restarting the time we have to file a lawsuit. Questions? We appreciate the opportunity to work with you to help you resolve this debt. If you have questions, please call us at XXXX, Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern. Visit us online This is an attempt to collect a debt and any information obtained will be used for that purpose. This account is issued and administered by Bank of America, N.A. Correspondence may be  mailed to Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Payments can be mailed to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Read our Privacy Notice : XXXX Please do n't reply directly to this automatically generated email message. Bank of America Email, XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank of America, XXXX. XXXX FDIC. XXXX XXXX XXXX : XXXX XX/XX/XXXX Bank of America Corporation. All rights reserved. This email was sent to : XXXXXXXXXXXX This is time barred debit and per FCR Bank of America sold the loan to a 3rd party and that party has removed the balance off my CBR - They should not attempt to collect.
first the car dealership had added my name on to this loan without my permission only for my daughter to find out after filing chapter XXXX bankruptcy where the debt was reorganized and corrected to now reflect on her name on lt, and the company made a promise to correct this to not reflect on my name as the rightful owner made all of the required payments for the past year, well upon calling emailing and disputing this invalid debt is still showing up on my credit report when it should only be on my daughters report which she has called them and confirmed this on several occasions and was promised that the problem will be fixed and the reporting will be corrected
Someone called me. Said his name is compliment officer XXXX XXXX. He taking legal action against me. He has a warrant to arrest and take me to jail. He called my place of employment told my the same information. They said I have an outstanding payday with XXXX XXXX date XX/XX/2015. Wanted me to pay them {$210.00}. They threaten me here is there phone number XXXX.
I received a check for {$2700.00} for work that I had done online for XXXX XXXX. I deposited the check on Friday XXXX and some of the funds were available immediately. The remaining funds were to be made available today. The remaining money was placed in to my account this afternoon and then removed because a stop payment had been placed on the check. The money was already in my account and the check should not have been available for stop payment. I would like my funds returned to my account immediately. I am really upset with these financial institutions dealing with my money any way that they want to. I need help and protection. This is the XXXX time I have had an issue with a bank this year and have had to escalate it to this point.
Today I was advised by XXXX that Capitalone credit card closed my account. They gave me no notice. Moreover, Im not six payments behind. I ran into issues due unemployment, but paid my bill. I was told it was closed due to returned payments. Its unfair because my payment history reflect that I generally pay my entire balance in full. Its unfair, because today I was actually planning to pay my bill up. Ive been a customer for over one year. I was told nothing could be done. I would have to reapply. I knew people who are six payments behind and they havent closed their account. I feel that I have been retaliated against by my participation in a protective action. I have been unfairly singled out, and targeted. Its strange that now during my litigation of another matter, that my credit card was abruptly closed.
I 've contacted Diversified Consultants advise them the debt not mines disputed with equifax sent in a validation letter also sent one to the company via certified mail ... the debt was removed in XXXX on XXXX ... then recently the report to my experian report on XXXX XXXX i contact the collection agency and ask why was this remove then report to XXXX the collection agency advise me that XXXX are the one who report to XXXX XXXX.. At this point I was willing to pay a settlement offered XXXX for the bal under the condition that i received a email stating that it will be removed once the payment post ... the rep adv me she would have to see is that something that she can do she place me on hold ... .a  supervisor returned to the phone inform a settlement only 30 % off the balance and he not willing to negotiated this and to keep disputing it if i like ...
Background : I went thru bankruptcy, filed XX/XX/XXXX, and have made regular payments on the Subject property mortgage since the bankruptcy plan was accepted. Selene Finance is violating the Bankruptcy Plan in law and in intent by claiming back payments immediately due. I have worked hard to come back from bankruptcy. I have worked hard rebuilding my credit, by making one regular on-time payment at a time, over the past 8 years. Selene Finance took over this loan within the past few weeks. After years of making regular payments, and within weeks of taking over the loan, Selene is making an outrageous claim. Selene is claiming 16 months of back payments, for a total of {$16000.00}, due immediately. Both previous mortgage servicers, XXXX and XXXX, did not make this claim for back payments. On XX/XX/XXXX, Selene Finance immediately refused to talk with me after I accepted their request to record, and I reciprocally asked their permission to record the call. If this was all above-board, then recording should be acceptable. By emphatically and immediately discontinuing the conversation, one is led to believe Selene Finance is acting in ways that they would not want recorded. Selene Finance has already sent ( 2 ) notices offering help to avoid foreclosure, offering Deed-in-lieu, short sale, and other options. If these notices are not required by law for a new servicer, to a debtor with on-time payments, then I consider them financial bullying. Selene Finances actions are causing immediate harm in legal fees, and time spent dealing with this issue, which has not been an issue for the past 8 years.
Equifax has sent an email to on XXXX XXXX, XXXX, stating that the current dispute # XXXX investigation initiated on XXXX XXXX, XXXX is complete ; but apparently, the information has not been changed. The only way I am able to confirm what is currently reflected on my report is by reviewing the information on XXXX XXXX. The Equifax online investigation results site crashes whenever I attempt to log into it. Equifax customer service line is constantly busy or it answers and hangs up. Furthermore, Equifax has caused further harm to my credit score by recently reporting this loan as closed as of XXXX. This has caused other credit agencies to update my report showing the loan as recently closed, based on Equifax 's recent incorrect report. This has forced me to now open disputes with XXXX XXXX and XXXX. The XXXX information was reported correctly on XXXX XXXX and XXXX until the Equifax recent entry on my report that the loan is closed. Equifaxs failure to properly update my credit as a current loan with payment history for XXXX is causing me undue hardship and harm. I have been unable to refinance my mortgage due to this inaccuracy. 
I have previously requested that Equifax correct my credit file for this loan on the following dates and disputes filed : XXXX/XXXX/XXXX dispute # XXXX. Equifax reported the dispute as resolved on XXXX/XXXX/XXXX without correcting the information. Another dispute on this same matter was filed on XXXX/XXXX/XXXX. # XXXX. Equifax reported the dispute as resolved on XXXX/XXXX/XXXX without correcting the information. Another dispute on this same matter was filed on XXXX/XXXX/XXXX. # XXXX. Equifax reported the dispute as resolved over and over without correcting the information. I have filed at least three subsequent disputes with Equifax on this matter during the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX.
On XX/XX/XXXX, I received a letter from XXXX XXXX stating that I required a deposit because of a low XXXX XXXX Score. However, the key factors listed included a " Lack of Open Service/Professional Accounts '' and there is no definition or explanation of this anywhere. It offered me the right to get a free credit report, but this does not explain or provide what accounts listed are actually service or professional accounts.
I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.
I cosigned a student loan thru XXXX XXXX for my daughter XXXX XXXX and 2 years ago she defaulted on the loan and it was sent to XXXX XXXX XXXX. My daughter has been paying to the debt collection agency but missed a payment in XX/XX/XXXX and she called Mercantile on XX/XX/XXXX because she hadn't gotten a check from her work. Subsequently she called and left a message that they could resume debiting her account for the missed payment. I don't know what happened after that but I was told by XXXX that she missed the payment in XXXX and XXXX was not paid. On XX/XX/XXXX I went to check my checking account which is thru XXXX and XXXX had been taken out of my checking and XXXX? out of my savings on XX/XX/XXXX to settle one of the owed amounts. I called the bank thinking I had been hacked and that is when i found out about a closed account from XX/XX/XXXXand was given the number of the account and was told to go to the branch. I went and that is when I found out what it was about and that all of my money was gone. I never received a phone call or a letter about the missed payments. I am currently paying 3 of my daughter 's loans thru XXXX and have never missed a payment. My daughter has her own bank account but not thru XXXX  and she had {$6000.00} in her savings but instead of going after her they decided without any communication to garnish my checking and savings. I am currently unemployed as my entire department was eliminated in XXXX and this presents as a financial burden for me. Subsequently, I received a letter ( attached ) dated XX/XX/XXXX on XX/XX/XXXX of her still outstanding balance on her other loan that Mercantile has seen sent to a law agency. On the letter it distinctly says that " we have not been retained to file a law suit ''. They never sent a letter concerning the XXXX? and per Section 809 of the Fair Debt Collections Practice Act, the agency must give me 30 days written notice after which they can file a lawsuit and only after winning a judgement can they garnish my account.
I've disputed through XXXX, multiple times about medical debt with company " Commonwealth Financial Systems '' I did my dispute through XXXX XXXX, and since the most recent update I am unable to view the past dispute dates. However I do check my " score/report '' update every 1-2 weeks. I've ask XXXX to verify that all of the account information. Ever since I've disputed a few months ago ( the first dispute starting around XX/XX/XXXX ) the collections account will be deleted and re-added at random intervals. The amounts vary between $ XXXX {$2000.00} ( The current amounts are ( a ) {$1500.00}, ( b ) {$1500.00}, ( c ) {$1100.00} ). 

" A '' was reported onXX/XX/XXXX " B '' was reported on XX/XX/XXXX " C '' was reported on XX/XX/XXXX It's just frustrating when I dispute and get the issue resolved just to have it return as a " new '' collection within the next month. My credit keeps taking hits because of this. 

*I 'd also had the same issues with XXXX  but the amounts were assigned to a different collection agency ( they havent been reported again after dispute ) * **The same information is being reported to XXXX as well**
i tried to order my credit report from experian on line and they could not verify my information, when i then orderd in the mail they sent me someone elses credit report that does not belong to me, i now have someone elses personal information
CRA violation no knowledge of the fraudulent account with XXXX XXXX XXXX, Address, Telephone and Inquiries that I did not authorized appeared on my Transunion credit report.
I have challenged XXXX, Equifax and XXXX about a discharged bankruptcy on my credit report. They saying that they contacted the court to verify the account and they absolutely can not do this because the court does not update, or report the file. They haven't told me who they spoke with in the court, a phone number or when. They can not because I have an actual letter from the stating that they do not take calls in regards to bankruptcies. These credit bureaus have stated a lie. Please see the documentation proving this.
I filed bankruptcy XX/XX/XXXX against central ohio credit union. It is showing 3 times on my credit report and I am being dinged several times on this matter. I have filed a dispute with XXXX. and XXXX. They still have n't done anything. I was understanding that it would wipe my credit clean. According to my credit report it showing on XX/XX/XXXX as opened, XX/XX/XXXX as opened And XX/XX/XXXX it says closed due to chapter XXXX bankruptcy. I feel as though I am getting marks against me XXXX times and I was at the understanding that it would be wiped off completely.
I have requested from Rushmore Loan Management Services since XX/XX/XXXX to provide the county with information that my mortgage has been transferred to them. Have been trying to have this account paid off and transferred to local bank.
I was told incorrect information about my loan and money was not handled the way that I wanted in a timely fashion.
I filed a complaint in this site on XX/XX/XXXX regarding Wrong information showing my XXXX that I have disputed multiple time and Hyundai intentionally keep reporting This account is paid off since XX/XX/XXXX. attached are the documents Balance {$510.00} Highest Balance {$0.00} Opened XX/XX/XXXX ( 4 yrs, 2 mos ) Term 72 months
Wells Fargo refused to use income from rent/contributor to make a repayment plan when I fell a little behind from having unexpected major XXXX. Wells Fargo also refused to accept payments from me I tried to make on multiple occasions.
Hi, I recently discovered while checking my credit on credit karma that there is an address that is not mine. This address I have never been to and I want this to be remove from my credit reports has I think this could be a person trying to do fraud using some of my information. 

The wrong information on my credit reports are as follows:XXXX , CA XXXX - this has NEVER been my address and have NEVER even been in the area. I just recently moved to XXXX. 

Could I have some help on how I can remove these from my credit reports? 

Thank you!
I requested to have late payments removed numerous times and McCue Mortgage has refused to do so. It is preventing me from obtaining another mortgage.
I reviewed my credit report all three bureaus and saw a company called XXXX had pulled my credit. When I contacted said company from the address which was on the credit report they were unable to send me a copy of a signed application in which I had granted them permission to access my credit. I then called them to find out they had no documentation in which I had provided to them or any company who subscribed to their service permission to access my credit all they did was send me a copy of emails in which I spoke to a mortgage broker.
I stated over the phone that I would assist my son with a line of credit with the XXXX XXXX XXXX XXXX. Unfortunately, I had a change of heart after hearing the details so I decided to call them and tell them that I was not going through with it. They stated that the increase had been given and listed me as a co-signer even though I did not sign the contract. I contacted them again and they still will not remove me from the line of credit. I disputed the account and it is still listed.
I received a debit collection notice from Aldous & Associates, XXXX XXXX, XXXX, UT, XXXX, for a balance of {$190.00} ( account # XXXX ) on behalf of XXXX XXXX XXXX, a fitness gym, located in XXXX XXXX XXXX, Florida. The debt collection letter claims I defaulted on an installment contract with the Company. I was formerly a client of XXXX XXXX XXXX with no installment contract who paid on a month-to-month basis. I discontinued visiting XXXX XXXX XXXX several months ago, so I was surprised to receive a debt collection letter for a debt that I do not owe. I contacted Aldous & Associates by telephone on or about XXXX XXXX, 2016, and attempted to explain that I was pay-as-you-go customer of XXXX XXXX XXXX that did not have a contract, but the representative became hostile and verbally abusive and kept yelling and screaming that I owed them money with or without a contract with the fitness center. I informed the representative that I did not owe the debt and hung up.
Why is XXXX still appearing on my credit? This should have been totally remove. I have attached the aud control number for removal.
My phone/wallet were stolen at a concert and my phone was used to order XXXX through my XXXX. I disputed the charges with XXXX and they found it was indeed fraud and refunded my money. The original charges were on XX/XX/XXXX and the overdraft fees were applied on XX/XX/XXXX. The XXXX charges put my account into the negative and I was given 5 separate NSF charges of {$38.00}. XX/XX/XXXX XXXX resolved my complaint and refunded the charges because they found it was fraud. I explained to my bank, BBVA Compass, what happened but they said because I had already disputed the charges with XXXX and they had already reimbursed the money, they could not put in a dispute for the overdraft fee 's. They are saying that it is XXXX 's responsibility to reimburse the charges which doesn't make any sense because it wasn't XXXX that charged me the fees. XXXX provided me with a letter for BBVA Compass explaining that the charges were fraudulent " This letter is to confirm that they did not authorize the transactions that caused the NSF fees. ". I have spoken to 5 separate managers at BBVA and even had a conference call between XXXX and my bank during which the representative from BBVA ended up just hanging up on us. XXXX is sending me a copy of the recorded call so I have evidence. After nearly 4 hours on the phone they finally gave me a " goodwill credit '' for 3 of the charges but I have explained to them that they are literally profiting from Fraud. I have been with them for 10 years! I honestly do not know what I could have done differently but I am now out {$190.00} and they can not get away with this! Please look into this and let me know if you need ANYTHING from me.
Ocwen failed to pay my homeowner 's insurance on time for the 2nd year in a row. 
The employees of Ocwen could not figure out which address to mail the payment to, and chose to send the payment to the " Automotive '' address. The company sent them a warning letter saying the insurance was lapsed and asking for the payment. According to the agent here in town, Ocwen called him between 5 and 9 times today trying to figure out where to send the payment to. The Automotive branch of my insurance company sent a check to my home for the payment they were sent, so I now have the funds meant to pay my lapsed insurance on hand, but have not HAD insurance because Ocwen waited until the last minute to pay it and it lapsed already. 
If Ocwen expects consumers to PAY them on time, then surely they can PAY the required bills out of the escrow funds reserved on time as well, so that I, as a home owner, do not have to chase around trying to reinstate my insurance due to NO fault of my own.
I am writing regarding Green Trust Payday Loans. I applied for a {$350.00} payday loan on XX/XX/2016. I am XXXX years old and I had extremely high medical and hospital bills based on XXXX and I needed a loan desperately to pay my utilities so that they would not be disconnected. At the time I did not look closely at the very high interest rate and the method of payment.The rate of this loan is 369.64 %. The finance charges are {$1900.00} for the amount financed for {$350.00}. The total I have to pay is {$2200.00}. I am unable to pay that. The company keeps trying to get direct payments from my bank, but I had to put a stop payment on it. When I get on my feet. I asked them if I could set up a payment plan. That will also be a financial struggle. Is it legal for a payday loan company to charge this much? I have seen reviews and complaints on this company from many people who are appalled at this company as I am. They have taken money from accounts that are not authorized. Please help!
XXXX HAS FAILED TO ASSIST ME IN HELPING ME FROM DEFAULTING MY PRIVATE STUDENT LOAN. I HAVE TRIED NUMEROUS ATTEMPTS TO REACH OUT TO HELP BUT THEY KEEP INFORMING ME THAT I HAVE NO OTHER OPTIONS. I HAVE BEEN EXPERIENCING DEEP FINANCIAL HARDSHIP AND HAVE BEEN UNABLE TO AFFORD THE PAYMENT ON THE PRIVATE STUDENT LOAN. THERE HAS TO BE SOMETHING THAT THE FEDERAL GOVERNMENT CAN DO TO STEP IN AND HELP ME WITH THIS HORRENDOUS PRIVATE STUDENT LOAN THAT IS RUINING MY FAMILIES LIFE FINANCIALLY.