WillisBack/dataset-financial-user-claim huggingface dataset:
My husband passed away on XX/XX/XXXX. My son paid off the 1st mortgage. I had the 2nd mortgage to pay for. I loss work do to my husbands death because I was self employed and took it very hard. I had to file bankruptcy XX/XX/XXXX. I paid my 4years and completed the course. After the bankruptcy was completed I received a notice that I was a year late with my payments. I understand that the arrears was forgiven but the bank says I need to provide a letter about it. My Lawyer and the bankruptcy court said it was all in my fillings. they say I owe over {$4000.00} in arrears. I called the bank he said that they started putting my first payment after bankruptcy on the XX/XX/XXXX arrears.. They send me messages each month on the statement that I am late and it could result in foreclosure and the loss of my house. My bal. due as of XX/XX/XXXX is {$10000.00}. I pay a little extra every month. ( {$350.00} )
I had a loan with XXXX XXXX where the loan terms were predatory. 

I did business with a car dealer in XX/XX/XXXX in XXXX NY that was shady to say the least. I purchased a {$15000.00} vehicle and gave {$5000.00} as down payment in XX/XX/XXXX. I had to start a new job the following day and rushed through a process that I would normally take my time on. In XX/XX/XXXX without missing a payment of {$450.00} a month for 5 years my loan was still {$14000.00}. Five years of not missing a payment and the loan went down {$500.00}? The dealer kept my deposit and did not put it towards the price of the car. 

I called XXXX XXXX to negotiate a new loan and they declined to help, saying that they would give me a lower payment but only for 6 months. I refused. After 5 years of paying {$450.00} a month I had already paid {$27000.00} on a car worth less than {$15000.00} and XXXX was not willing to negotiate a fair loan. I then asked for a Voluntary surrender of the vehicle and they came and retrieved the car. Later I received a letter from XXXX saying they auctioned the car for a few thousand dollars and I was responsible for the rest. I believe XXXX sold the vehicle for about {$8000.00}. Therefore XXXX collected {$27000.00} worth of payments from me plus {$8000.00} from an auction. Thats {$35000.00} on a car worth less than {$15000.00}. Then sold the debt to a debt collector named NCB Management Services on top of the {$35000.00}. 

Then I get a call from NCB Management Services. I tell them the story and tell them that I don't intend to pay another dime. This was in XX/XX/XXXX. 

Now in XX/XX/XXXX I need to buy a home for my family of 6 and NCB shows a collection on my credit report. I call NCB and tell them clearly that I want to pay this loan off to have the collection deleted from my credit report. I was very clear when I said I will only consider paying more money towards this car if the collection is removed from my credit report. Over the phone the person understood and knew exactly what I needed. I payed {$2000.00} more to settle the debt. 

I made the payment on XX/XX/XXXX and on XX/XX/XXXX the collection is still showing on my credit report. It does show a XXXX balance but my request before agreeing to pay was to have the collection deleted from my credit report. 

It is obvious that I paid XXXX and NCB enough money as to not be punished with this collection on my credit report. NCB used deception to collect this money which continues the same trend from the XXXX loan of negatively affecting my financial status since I will be paying a higher mortgage because NCB did not do what they told me they would.
We owe {$960.00} on a XXXX XXXX charge card ... it is now placed with the agency of Valentine Kebartis office and I have set up payment arrangements by ck on the XXXX of every mon ... They called me 16 x between XX/XX/XXXX and XX/XX/XXXX. I explained that I have payment arrangements made but they say because I send a check and not do a scheduled payment arrangement when they control the payment I must get this calls because their computer doesn't recognize a payment mailed in??? It is abolutely ridiculous how rude the lady was that I spoke with. 
Their number is XXXX I have blocked them from calling me Thank you!
This account was closed on XXXX/XXXX/13 want to be removed from my credit.
On XXXX/XXXX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XXXX of XXXX I received notice that Equifax had experienced a data breach and information was compromised. On XXXX/XXXX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX was located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit can not be pulled without my authorization and that has not happened. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.
closed on VA loan XX/XX/XXXX. used mortgagelendersofamerica. XXXX XXXX was MLA agent. XXXX assured me MLA could process the loan without Wells Fargo ultimately having my loan. I was very clear I did not want any association with WF. My loan is with WF.??
PURCHASED NEW VEHICLE FROM XXXX XXXX FINANCED THRU BANK OF AMERICA. MADE ON TIME PAYMENTS FOR 6 MONTHS OVER {$1300.00} A MONTH WITH XXXX XXXX  STATEMENTS TO PROVE IT. THERE WAS AN ATTEMPT TO REMOVE THE LIEN FROM THE TITLE 3RD PARTY FRAUD. BANK OF AMERICA CLOSED MY LOAN IN GOOD STANDING SENT IT FOR CHARGE OFF COLLECTION AND REPOSSESSED THE VEHICLE EVEN WITH THE LOAN BEING CURRENT.
I have XXXX mortgages. XXXX, XXXX XXXX and Chase. I was refinancing with XXXX and incorporating XXXX into the loan. It was approved and we were waiting for Chase to sign a subordination which they do not want to do. If they do't i will surely not be able to afford paying them. Chase was a equity line with a 10 yr draw interest only and 10 year repayment period which we just entered. If they dont approve the subordination, I will not be able to make their payment. The money I am saving from the refi with XXXX and XXXX was going to Chase. The payment with chase went from {$300.00} to over {$900.00}. I had claimed bankruptcy in 2010 but have been up to date with them. If they do n't approve subordination i will not be able to refinance and I certainly wont be able to continue making new payments to them.
On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX  so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved
We have received phone calls on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 from this company and I continue to call them right back to have our numbers removed from their system. They continue to tell us it will be done and they continue to call the next day.
Refinancing. On XXXX American Financial Resources provided a loan estimate which indicated approximately {$2000.00} in closing. We proceeded with them. By XXXX written and verbal communication with the lender indicated closing costs of approximately {$1300.00}. 

Three days before close on XXXX new closing documents were provided indicating closing costs of approximately {$7000.00}. 

Lender has been unable to explain the {$5700.00} discrepancy introduced between XXXX and XXXX. Lender attempted to coerce me into signing when I expressed I am uncomfortable with the changes made stating :
I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in  XX/XX/XXXX .        
The company   XXXX   XXXX   XXXX   XXXX  , which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report   XXXX   2015 and  XXXX  2015 with Transunion,  XXXX , and   XXXX    credit reporting agencies.
         XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I opened a Macy 's credit card ~12 months ago and have been using it and making full payments on time, but I have not purchased anything in the last 2 months. They are charging me a {$2.00} a month " minimum interest fee '' each month, despite not having any purchases and not carrying a balance. I now owe {$4.00} - will that show up on my credit report? Will I be charged a late fee? This is n't legal right?
I can not see my Equifax credit report online. It keeps telling me to fax a dispute. I call Equifax and they are not being helpful at all.
I submitted a complaint to you about GREENTREE SERVICING on XXXX XXXX, XXXX ( Complaint # XXXX ) regarding several issues of fraud, negligence and or failure to comply with their end of the Deed-In-Lieu agreement I had with them. However, GREENTREE did not respond, a company called DITECH FINANCIAL, LLC responded ( whom I had never heard of ) - they requested more time to respond and you gave them 60 days. Well, since then, I now continue to have problems with this company ( DITECH ) - whom I have never done business with?! For example, NOW they are on my Credit Report (?! ) - with ALL INACCURATE information of ANY account/mortgage I have had. They also sent me a letter dated in XXXX - that did NOT receive until XXXX - citing changes to " my mortgage ''. Well, I signed my property over to GREENTREE thru a Deed-In-Lieu in XXXX ( which Greentree still has not followed through with the written agreement and terms of the CASH for KEYS PROGRAM once I signed the Deed-In-Lieu and I have yet to have that resolved ). So - why is this DITECH sending me letters about a mortgage that has not existed for more than six months and was in Deed-In-Lieu process for almost TWO YEARS before that ( because of incompetency on GreenTree and XXXX part )? And why are they STILL on my credit report with INACCURATE information??? According to the FCRA, since I disputed the information ( XXXX XXXX ) they have on my credit reports and it is still NOT ACCURATE as of TODAY it MUST BE DELETED. The language in the FCRA is very clear, direct and unambiguous ; therefore, I demand this " DITECH FINANCIAL, LLC '' 1./ be held responsible 2./ stop contacting me and 3./ Most Importantly : DELETE the ENTIRE ACCOUNT from ALL of my credit reports. Please know that I also tried to file a formal complaint with the FTC against them, however they state the CFPB handles all of the complaints of this nature. I am also filing a complaint with ( or against ) XXXX for not following through with their end of the Deed-In-Lieu Agreement ( neither the Relocation Assistance and they made me move out more than TWO MONTHS before I was supposed to according to the written and signed agreement ). If DITECH is responding for GREENTREE now, then they should be held responsible for all of the harm and distress that has been done to me. XXXX more thing - I owned that property since XXXX ; the mortgage was sold to XXXX different mortgagors in that period ; each time it was sold, I was sent a letter informing me it was sold and who the new mortgagor would be - however, I have never been told anything other than GREENTREE was my last mortgagor up until I signed it over to them in XXXX. This is the THIRD mortgage company ( in addition to possibly XXXX ) in the short span of only ten years that has harmed me financially, emotionally and mentally! I was a victim of XXXX, XXXX XXXX XXXX and now GREENTREE / DITECH. What is wrong with these XXXX dollar banks doing this to single mothers, working people and honest Americans?!?!?! PLEASE get to the bottom of this and MAKE this company DELETE the account altogether from my credit report IMMEDIATELY. PLEASE. Thank you.
Santander Bank, branch @ XXXX PA closed our XXXX ( XXXX XXXX ) accounts on or about XX/XX/2015. Representatives at branch & compliance told us they mailed XXXX checks for the ending balances. As of this date Santander Bank has lied misrepresented and refuses to return our deposit money, {$28000.00}. Branch Manager XXXX XXXX is not cooperating, nor is XXXX or XXXX ( branch assistants XXXX. Compliance Dept has told us XXXX times that the branch closed the accounts and is able to issue us a bank check at the branch however, no one is cooperating. Our XXXX may close as a result of Santander Bank 's fraudulent representations and refusal to return our demand deposit money, principal amount owing {$28000.00}. We ask the honorable CFPB to open an investigation and seek justice which we believe is the principal amount plus penalties and interest. Thank you.
I filed bankruptcy and was discharge XX/XX/XXXX, but my home and auto loan was not part of the bankruptcy and I sold my vehicle to XXXX and it was paid in full but the finance company reports to my credit beauru that it was under backruptcy which is incorrect! I have contacted the company many times and still no support or customer service. The finance company is XX/XX/XXXX and the loan number is XXXX VIN : XXXX for XXXX XXXX XXXX. This vehicle was paid in full on XX/XX/XXXX AND WAS NOT UNDER BANKRUTPCY.
BLEIER & COX, APC ATTORNEY re-started the case on XXXX/XXXX/XXXX. They need to drop legal action due to California statute of limitation. It 's been over four years since the original file date ; XXXX ; ORIGINAL FILED DATE was XXXX/XXXX/XXXX. i do n't have any info on my last payment prior to XXXX/XXXX/XXXX with XXXX XXXX. XXXX XXXX said they will garnish my wages if I do n't pay the debt. I sent XXXX XXXX a letter via fedex received on XXXX/XXXX/XXXX. I wrote them informing the expired statute of limitation on the debt. On XXXX XXXX they filed the following after receiving my letter : XXXX/XXXX/XXXX - MEMORANDUM OF COSTS AFTER JUDGMENT ; ACKNOWLEDGMENT OF CREDIT AND DECLARATION OF ACCRUED INTEREST - LESS THAN {$100.00} FILED BY XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX/XXXX/XXXX - WRIT FILED BY XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX/XXXX/XXXX - PAYMENT RECEIVED BY XXXX FOR XXXX - WRIT IN THE AMOUNT OF XXXX, TRANSACTION NUMBER XXXX AND RECEIPT NUMBER XXXX.
I can not contact a private lender listed on my credit report. The report states that I have not paid my loan, however, I can not contact anyone to see if the amount is accurate and how to make payments. The company is listed as " Younomics. ''
I received collection letter with {$99.00}, after my final balance letter from my old apartment complex XXXX XXXX, XXXX, FL, was mailed to me indicating that I have XXXX balance. I mailed a dispute letter and included a proof about my final statement saying my balance is XXXX. still they are trying to collect this amount without providing any evidence why I am being charged.
My name is XXXX XXXX XXXX and my husband I and recently sold our home in XXXX 2015. When I contacted my credit card company, XXXX account ending in XXXX, to update my new address it was misinterpreted. Instead of XXXX recording my address as XXXX, PA, it was recorded as XXXX XXXX. Not only was I not aware that my address was incorrect with the company, I never received my new credit card or my XXXX bill that was sent to the wrong address. I was not even aware that XXXX XXXX XXXX was the name of the new company as a result of their merger. I only realized that there was a blemish on my credit when my husband and I were applying for a loan for our new home. As you can see from my past history payment on my XXXX XXXX account I have very good history of paying my credit card on time. I am asking that you please look at this unique situation of our moving in XXXX, the credit card company having the wrong address and as a result we missed a XXXX payment and received a blemish on my credit score. I spoke with customer service at XXXX XXXX XXXX today, XXXX XXXX, 2015 and they made notation of this situation on my account. I am humbly asking you to please consider taking this off of my credit score. This missed payment would not have occurred if we had not moved and my address was correct. Thank you in advance for your time and effort given to this situation.
In XXXX my husband and I purchased a XXXX mortgage for the amount of {$50000.00}. At some point GMAC mortgage notified us that they has purchased our loan. They sent statements and we paid. When I became ill I spoke to them and they reduced our interest rate to XXXX. GMAC mortgage filed bankruptcy in XXXX of XXXX. 

We had our first experience with Ocwen when we received a certified letter threating foreclosure. I called and gave them the account # and they could not find an account for us. I called back a few weeks later and was told again they were going to foreclose on our home. We were never told they had bought our mortgage. 

We were very behind and I was sick. We made payments. The statement also shows our principal balance of XXXX was XXXX. With a XXXX interest rate. That was the last statement I got from them after to class action law suit. When we checked our credit report it showed written off to chapter XXXX bankruptcy which we assumed the lien would be lifted as per the law. 

In XXXX on this year we tried to refinance our home with XXXX XXXX and everything was going great until a lien showed up on our home for {$46000.00}. {$4000.00} less than we took the loan out in XXXX. They also sent this letter stating we needed to contact them after XXXX got in touch with them. They do not understand why it is written off to bankruptcy and there is still a lien and neither do my husband and I. His credit score has dropped from XXXX when we started with XXXX down to XXXX.
The New York auto dealer who sold my car to me subsequently sold the Retail Installment Contract to Santander. The RIC was initiated in XXXX New York and is subject to New York State law ; it did not specify any terms relating to convenience fees for payment. Upon making my first payment, I noticed that Santander was forcing me to pay a convenience fee of {$10.00} per payment to pay by credit card as opposed to mailing my payment in to them. Convenience fees for paying via credit card are illegal in XXXX New York XXXX No seller in any sales transaction may impose a surcharge on a holder who elects to use a credit card in lieu of payment by cash, check, or similar means. 
Any seller who violates the provisions of this section shall be guilty of a misdemeanor punishable by a fine not to exceed {$500.00} or a term of imprisonment up to one year, or both. 

The bank can not allege that the ban on convenience fees does not apply to them because they 're not based in New York. I originated my retail installment contract with a New York auto dealer subject to the laws of New York ; the sale of the contract, which has no clause regarding convenience fees or fees for making payments to an out-of-state lender can not exempt the lender from New York 's requirements concerning convenience fees. 

I made XXXX payments for which I was charged this convenience fee, totaling {$180.00} in damages. I demand that Santander pay back the {$180.00} in full as this is an illegal convenience fee. I also request that the CFPB look into this practice to prevent them from subjecting other consumers to these illegal convenience fees for making payments. 

Additionally, I paid off my loan in full over two weeks ago, but have received no correspondence from Santander indicating that this has taken place, nor have I received any documentation regarding the release of my lien. I request that process be put into motion if it has not already. 

Finally, the loan was overpaid by {$39.00}, and I have received no refund for this amount or correspondence in regards to it.
.On XXXX/XXXX/XXXX I used XXXX to retrieve all my credit reports. I was not able to get my annual free report from experian and XXXX. XXXX also does not allow me to freeze my credit without making an account with them online.
This goes on every other month with Transunion. It does not happen with the other credit bureaus. Every time my school loan increases due to interest accruing, XXXX drops my credit score ( 88 pts this time ), using the excuse that I may have missed a payment. However, my school loans are in deferment until XX/XX/19, so I do not pay until then. There answer to my inquiry about this matter was met with the scores are calculated based on reporting from my accounts. If that's the case, ALL MY ACCOUNTS ARE IN " GOOD STANDING ", and I've never missed a payment. Again, I don't go through this with XXXX or XXXX. I need to find out what the problem is with Transunion.
I purchased XXXX  equipment onXX/XX/XXXX by phone and online. I applied for their online credit service through XXXX ( which is owned by XXXX XXXX XXXX XXXX XXXX  which has recently merged with the XXXX XXXX XXXX  as of XX/XX/XXXX ) and was approved for {$3000.00}. The equipment order was placed by me.

I changed my mind within 24 hours and stopped the purchase by phone with XXXX. The equipment was NEVER DELIVERED. I never took possession therefore this purchase never happened.

I contacted XXXX  to let them know that the purchase was a return/refund. The total amount financed was {$2400.00} on XX/XX/XXXXas shown on my XX/XX/XXXX statement. They received and applied the first credit from XXXX on XX/XX/XXXX in the amount of {$100.00} and {$1300.00}. Those credits were posted on XX/XX/XXXX. The next credit they received on 3/8/18 is in the amount of {$580.00}. It has been " PENDING '' on my account online since that date ( see screenshot ). Repeated calls, chats and email messages have been made to get them to post the credit. Their excuse is it takes 45 days to post. That would have been approx XX/XX/XXXX. It is now XX/XX/XXXX and multiple chat and email messages since then have produced no action on the creditors part to post the credit. Meanwhile finance charges are being charged every day since XX/XX/XXXX to my account. Interest on XX/XX/XXXX statement of {$48.00} and on XX/XX/XXXX statement of {$20.00} so far they have charged me {$68.00} in interest for merchandise I never took possession of. I was never made aware of the credit by message, email, on any statement or any other communication. When I chat with them they don't " see '' it until I point out that it is showing online. Then they just repeatedly tell me it will post in 45 days. They have deceptive financial practices and should be investigated and indicted for harming their customers.
I had a XXXX debt, they did not send me anything and did not call me, they called my son, told him the amount of the debt and the date of service. He told them to call me. And when i called back, they did have my phone number and address. They must have just got the debt, i assume because they did not try to contact me prior.
I will attach a copy of the letter I am sending them but this is in fact the second or third time I have attempted to resolve this with them. They are charging me an interest rate that is illegal in my state. Last time I filed a complaint against them they ignored it.