WillisBack/dataset-financial-user-claim huggingface dataset:
Im writing about the interest charged on XXXX. Ive contacted the Company several times asking them to waive the interest fee of {$68.00}, as it is the first time Ive ever not made the full statement balance payment. Every time they say they cant. That there is n't an 'offer ' on my account. Not sure what the big deal is. Ive been a very good customer. 
Id like it waived in part because as I explained ; this month, Id have to move money around to pay the minimum balance, which has gone up to {$100.00} for some reason not explained to me. Usually it is {$25.00}. 
Oh and while Im at it. I asked them to change the due date, which I see has not been changed. I talked with XXXX about that, via the Company 's online chat and he said he was making it happen, changing it to the XXXX I believe.
I called Bank of America on XX/XX/XXXX and asked them to close one of my credit card accounts. After being transferred twice, I spoke to a person in XXXX, GA and she had the ability to close my credit card line. However, while speaking with her, I told her to close the line and she asked for a reason, and I told her I didn't want the card anymore. Well this was not good enough because she continued to stall and ask probing questions about why I wanted to close. She continued to probe and tell me it would take a little bit longer and she was almost done. Then she ask me about my current revolving debt, and knew then she just pulled my credit report which I didn't authorize. I told her yes I have other accounts, and I am using them and to close my credit card. She agreed and said it was closed. We hung up. 

Two days after on Monday XX/XX/XXXX, my spouse tried to use our other ( travel ) credit card with Bank of America, and it would not work. I decided to call Bank of America and I found out they closed the wrong credit card account. I don't know how closing the wrong account was possible, since I confirmed the closing account number 3 times. So to correct the error made on Bank of America 's part, I had to re-apply for credit to include consenting to new disclosures and pulling a new credit report. I feel that Bank of America is pulling credit excessively and I should not pay for the bank 's error in closing the wrong account. 

I would be very careful of Bank of America, as they do not have controls in place to prevent errors, or void errors, without the borrower paying for it.
I keep getting the XXXX XXXX from this company. I have tried 5x unsuceesfuly, especially afteer getting hosed by XXXX, and some customers XXXX on the 1st of the month ( a mil payday ) to access funds. 

I have a severe plumbing issue and I need things from XXXX or XXXX. I was unlawfully denied because XXXX was shooting " unamerican bitcoin cash outers '' in the foot. When I highlighted this after 6 hours or more of tweeting, the card let some transactions thru. I was called " unamerican '' for an XXXX XXXX account secured CD I tried to open and my info is continuously out of XXXX reported to me, even though somehow the bank has my info. Sent info to XXXX and usaa but I keep getting the PC XXXX instead of " getting XXXX straight '' ( as chief says ) with the bank. 

THis is the 3rd bank im having XXXX with and XXXX DESERVE BETTER than this XXXX organization that treats us worse than trash. they deserve less than the reputation listed online and can XXXX XXXX complaints in the XXXX XXXXIf treat people this way, DONT EXPECT POSITIVE REVIEWS AND TWEETS. unlawful reporting as ABUSIVE to twitter is a 1st amendment violation and illegal censorship. companies do not have the right to choose how info or what info gets leaked about them because of thier bad actions. this is also a trend. XXXX payments take over 3 mos to move. balances have been refused to be sent to my other accounts and the option to add more isnt working, as is half of thier website on a ongoing basis. This is why I left regions.
I contacted this company by certified mail on XX/XX/2018 and as of today date I have not yet had response from this collection agent as per the Fair credit reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy and the Fair credit reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy. My request to First Data Merchant account number XXXX for the sum of {$230.00}. I have explained that this account is unknown to me and I require FULL validation for this account that includes. It is now 57 days after my certified request for validation. Pursuant to the Fair Debt Collection Practices Act you have failed to provide me under the CREDITOR /DEBT COLLECTOR DECLARATION the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor 3. Any insurance claims been bade by any creditor regarding this account 4. Name and address of alleged debtor 5. Alleged account number 6. Address on file for alleged debtor 7. Amount of alleged debt 8. Date the alleged debt became payable 9. Date of original charge off or delinquency 10. Verification that this debt was assigned or sold to collector 11. Complete accounting of alleged debt 12. Commission for debt collector if collection efforts are successful.

I request that you follow compliance and remove this entry from my 3 bureau credit reports.
The servicer NationStar mortgage is not honoring the agreement of the national settlement. I received a modification as of XX/XX/XXXX having trying for several years on the basic modification. My loan originator was XXXX XXXX XXXX as of XX/XX/XXXX also my servicer. XXXX XXXX XXXX sold my mortgage to XXXX Bank which is not aware of the settlement offer agreement that I received. They also made NationStar the servicer as well which sent me a letter that they will honor the settlement agreement. This has not been honored to date.
Debit and check overdraft fees. 
Its an annual XXXX XXXX dollar bank ripe off of the poorest citizens.
THIS IS BEING FILED THIS WAY BUT TAKE NOTICE THERE IS ABSOLUTELY NO ID THEFT IN THIS MATTER AND YOU SHOULD NOT BE PUTTING ANY KIND OF FREEZES ON MY ACCOUNT. PAY CLOSE ATTENTION TO THE ATTACHMENTS WHERE I HAVE WRITTEN IN A WARNING TO NOT PUT ANY KIND OF FREEZES ON MY REPORT OR ANY KIND OF FRAUD ALERTS JUST BECAUSE I AM DISPUTING THE VALIDITY OF YOUR REPORTING. YOU DO NOT HAVE MY PERMISSION TO PUT ANY ALERTS OR FREEZES ON MY ACCOUNT. DOING SO WILL RESULT IN A LAWSUIT. 

FOR THE LAST TIME. XXXX COLLECTION FOR XXXX XXXX IS IN THE NAME OF XXXX XXXX. IT IS NOT IN XXXX XXXX NAME AND YET YOU SAY YOU HAVE VERIFIED THIS. TOTAL LIE, AND YOU ARE IN VIOLATION OF THE FCRA. THE XXXX ACCOUNTS ARE STILL LISTED AS PENDING BUT YOU ARE OUTSIDE YOUR 30 DAY INVESTIGATIVE WINDOW AND THESE NEED TO BE REMOVED IMMEDIATELY. YOU STATE THAT " Company responded Experian Credit Bureau said : Explanation of closure Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that the disputed collection accounts are false and in violation of XXXX. You further indicate you contacted the company that informed you that the account is attached to another person. You are requesting the disputed collection account ( s ) and fraud alert to be removed from credit report. 

According to our records, the disputed collection accounts and fraud alert do not appear on your Experian personal credit report. You should receive an email notification, within the next 48 hours, alerting you that your dispute results are ready to be viewed online. '' BUT THIS IS A LIE BECAUSE THESE ARE STILL SHOWING UP ON A CREDIT REPORT THAT I RECEIVED TODAY. I AM GOING TO FILE A COMPLIANT AGAINST YOU WEEKLY IF YOU DO NOT REMOVE THESE ITEMS WHICH YOU CAN NOT PROVE ARE COMPLETE, ACCURATE OR VERIFIABLE. I AM TIRED OF ASKING YOU TO DO YOUR JOB BUT YOU BELIEVE IN BREAKING THE LAW. REMOVE THESE ITEMS IMMEDIATELY AND STOP TELLING ME I HAVE TO CONTACT THE ORIGINAL SOURCE, I HAVE DONE THAT BUT IT IS NOT MY RESPONSIBILITY TO PROVE THAT THE ITEMS ARE MEETING FCRA GUIDELINES. YOU ARE BREAKING THE LAW BY REPORTING INFORMATION AGAINST ME THAT YOU CAN NOT PROVIDE PROOF FOR. THIS IS YOUR LAST WARNING TO REMOVE OR SUFFER A LAW SUIT.
I paid this Dept ( XXXX ) Off & I would Like the negative balance REMOVED From my Credit Report
I have been working so many time with the Credit Bureau about identity fraud on all three of my credit report summary. XXXX, Experian, and XXXX have on my credit report that I was an victim of identity fraud, but I have alerts coming to my email address to let me know that someone have use my Social Security number. The creditors should be calling me to verify that I 'm the person that is making the inquiry on my credit report. I never receive a call from the creditors about opening up new credit or etc. I have been calling the Credit Bureau about taking the inquiries off my credit report, but every time I talk to a rep the issue never get resolve. All three credit bureau on an police report on file about me being an victim of identity fraud. I need the following hard inquiries off my credit report, because of identity fraud : Experian : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX/XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). XXXX : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). XXXX : XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), XXXX/XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). 

Need to have these items removed off my credit report or I will file a lawsuit all three credit bureau for not following through with a victim for preventing identity fraud.
My student loan servicer  Nelnet  told me that I qualify for a lower payment, but that I can not receive it on the upcoming payment, because it requires giving me 30 days notice to change my payment and that it would create too much hardship for me to only give me 15 days notice, even though it drops my payment by roughly  XXXX  dollars.     The background to this is that I sent in my forms for income driven repayment on   XXXX   XXXX  , because they told me they were due then. After  2  weeks Nelnet told me that they could n't see the documentation. I called them and they told me it was due to lighting. ( the documents do n't appear to have a lighting issue on my end. ) Further I was informed that the documents were n't actually due yet, but no one had actually given me a due date as to when they were due. In good faith I sent them updated tax documents and the form again electronically signed on   XXXX   XXXX  . On   XXXX   XXXX   they emailed me telling me that they could not process the documents because the new  Income  driven repayment plan form was not signed. I called them and they informed me that they do not accept electronic signatures. I printed off a copy signed it and sent back multiple copies to ensure they 'd have the paperwork they needed on   XXXX   XXXX  . I also called them and they informed me that if they could process the paper work that I could still qualify and get the income driven repayment amount that i qualify for by the   XXXX   date. I called them on   XXXX   XXXX   to see how the application was coming along. They informed me that it was processed and that i qualify for a {$440.00} payment but that it could not go into effect until  XXXX  and that I had to pay the higher amount currently due because " they cant change the amount due, within 30 days of a payment because it will provide too much hardship on me '' -  XXXX     When  I asked them for a confirmation number for the call they refused to give one stating they do n't do that. However on a previous call on   XXXX   XXXX   they were willing to give one "  XXXX  ''. They informed me that all calls are recorded and that the current call on   XXXX   XXXX   was being recorded..   Nelnets job is to process the documents, just because it takes them an extended period of time, or because they have trouble either enlarging or viewing imaging for some reason, does n't mean the burden should fall on me. In good faith I sent my documentation multiple times per their request. They only seemed to accept documentation after it was already too late. When I asked them if they were intentionally trying to push the documentation to be late they laughed, said no and said that they wished they were. As some  one  whose well versed in the banking system this seems fraudulent to me. Further to use a rule made to protect consumers, about sending about billing 30 days in advance, in order to push for a higher payment seems unscrupulous, deceitful, and highly unethical.
Over 150 calls in the last 3 months. No message left. No response if I answer the phone. No reason for call given. Refuses to stop calls.
Wells Fargo Home Mortgage and Wells Fargo Bank took it upon themselves to make a payment in my father 's name from an account that belongs to my father in front accepting embezzled money that has been withheld from the owner of the property at the same time yesterday on a recorded line was stated that the loan was paid off several times and that when the loan was paid off in 2013 Wells Fargo made themselves the beneficiary along with others being the trustees where is the trustor and grant or XXXX XXXX XXXX XXXX has no possession of his home but Wells Fargo XXXX XXXX title XXXX XXXX and other companies are making money off this property illegally by it being broken up and sold XXXX XXXX specifically states that No entity may perform actionaction that specifically does not regard the utmost well being of the borrower especially when using limited powers of attorneys. full disclosure has been requested and ambiguous remarks and results have been given at no time has the accounts been disclosed on the currently being used for the security instrument guaranteed by this bank to belong to XXXX XXXX XXXX.
I opened a XXXX account in XX/XX/XXXX, I paid the full amount in XX/XX/XXXX. The account was close and Monterey reopened the account on XX/XX/XXXX. There was no actual contract and the amount was paid in full for {$1000.00} now it stated that I owed {$3000.00}. False information and amount. Im no longer reliable for this debt.
This debt has been removed from my account on several occasions. The company can not verify debt and once it 's pass the allotted time to verify the debt is removed. The company then reinserts debt back onto all  XXXX  credit bureaus.
LVNV LLC is reporting on my credit report that I owe their company {$640.00} dollars. I have submitted in writing asking them to send me any signed documentation by me that I owe this balance and for what. LVNV has not responded to my request for the signed documentation but continues to report this on my credit report.
I had a XXXX my car and regretfully, I took out only a small {$400.00} loan with Sunset Finance to help with living expenses. Big mistake. Now, it 's not so much the money but now the principal of the matter in how this company manages their loans and customer service. Sunset Finance reps have been nothing but a nuisance by contacting me, my friends, colleagues and family excessively, sometimes twice a day triple-dialing my both home and office phones where they had exploited my reference/emergency contact list with unethical collection practices. This happened so much that I was forced to seek legal counsel and they advised me to create a " cease and desist '' letter. 

I was making payments of $ XXXX/month to Sunset Finance and 5 of those payments totaling {$470.00} have been paid back despite nearly paying back MORE than double what I borrowed which I came to find out had a ridiculously high interest rate like 86 % or more. I have tried to contact Sunset and emailed them requesting to negotiate a better rate or a reasonable payment but no response or they will not accept a payment other than their choosing versus what I can afford. I even enrolled in Consumer Credit Counseling Service and included Sunset Finance to help pay them back but they DO NOT accept payments from Consumer Credit Counseling which I do not understand. 

Now they have filed a false statement to the court and filed a lawsuit against me stating " defendant received loan on XX/XX/2015 and refuses to pay. '' and that is not true. I have paid back Sunset over {$400.00} back.
I just took out a XXXX XXXX XXXX Gold Card.  I was four days late on the first payment and of course i get hit with late fee and interest.  After that I was caught up and paid in full.  They have some type of system that is charging me interest on the average balance of $XXXX starting fromXX/XX/XXXX to a unidentified date and for an interest charge of $XXXX.  I know the amounts are small but i have not had a balance of $XXXX on this card.  I am writing because I am sure American Express is doing this to many others.  I just got my XXXX Balance online and have uploaded a check to them as i am trying to figure out how to get in front of the average balance.  They call it trailing interest but if you do not know the amount ahead of time then you cannot get caught up. They continue to charge you until you make two consecutive payments in full according to their representativeIt appears to me to be a Loan Shark system that makes it difficult to get caught up. FYI I am going to stop using the card pay what i owe and cancel it.  People worry about check cashing operations but these big banks and financial organizations make the crooks look like angels. FYI my credit score is an XXXX so i pay my bills on time.
So I went on credit karma and got a alert saying a place ran my credit Im like what. So I looked it said XXXX XXXX XXXX XXXX and Ive never applied for anything like for anything before. I called XXXX XXXX they said they dont deal with that and told me to call credit people to get it off of there so I called they said I have to get a letter etc from the company and I was like okay so I went back called them and said same thing again so Im getting a complete run around Im XXXX like I dont need this stuff happening
On XX/XX/XXXX I tried purchasing tickets for a football game. Communicated with the seller, or supposed to be seller. They asked to send transfer the funds for the tickets and they would then transfer the tickets. Gave me their email address for a XXXX transfer. Funds, {$700.00} were sent but the seller never sent the tickets and stopped communicating with us. I attempted several times to get them to send the tickets. Called Chase and filed a fraud claim. Even tried requesting the funds back from the email address thru XXXX but no luck. Chase gave me a temporary credit for the funds and then took them back out of my account. I was scammed and would like Chase to credit me my funds.
My name is  XXXX   XXXX . Birthdate   XXXX     I have an account reported on my credit that is false, incorrect, inaccurate and illegally reported. It is reported in violation of the FCRA, FDCPA and FACTA. I called this company and requested the original signed contract for the account they are reporting and the complete payment history from original creditor. Per FCRA  623 t his is the ONLY way they can verify accurate reporting to a CRA and legally report ANY account. I also asked for the letter of assignment and agreement between the original creditor and this collection agency ALSO required by FDCPA for any collection agency to report OR collect on an account. When I asked the lady  that answer3ed the phone to speak with a supervisor she informed me she WOULD NOT LET ME speak to a supervisor and when I gave her my reason she said THAT IS NOT A GOOD ENOUGH REASON. According to collection law in Texas this is VIOLATION and NOT in accordance3  with collection responsibility and laws. The original creditor should have obeyed all credit reporting laws and provided me the letter  ( FACTA )  30 days prior to ever reporting any late or missed payment to any CRA. This should be in the collections possession with ALL  requir3ed  docs to report but CENTRAL FINANCE CONTROL ( ALSO KNOWN AS SYNDICATED Office SYSTEMS ) does NOT have these docs to provide or PROVE right to report and are continuing to knowingly and willfully report ILLEGALLY to the CRA 's. See the attached letter I faxed this  XXXX  olle3ction comp any before and after calling their office in effort to resolve and request all docs to legally report anything on my credit THEY REFUSED TO RESPOND OR COMPLY WITH LAWS TO REPORT!!!!!!
I HAVE FILED NUMEROUS DISPUTES WITH XXXX AND EQUIFAX IN REGARDS TO A XXXX  XXXX ACCOUNT ON MY CONSUMER CREDIT REPORT AND ACCORDING TO FCRA SEC 623 ( a ) ( 6 ) these companies are to stop reporting incorrect information on my consumer credit reports tha account that im referencing is a XXXX  XXXX account # XXXX ... This account is suppose to be blocked and removed my my consumer credit report .I was a victim of identity theft and had no knowledge of this acccount ... And yet XXXX and Equifax XXXX to report this account ...
We own our home at XXXX XXXX XXXX XXXX XXXX CA XXXX. We think there is something wrong with these mortgages because we keep being told they have XXXX Balances. We don't know who is the responsible party whom we need to communicate with about our requests. Is it XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX, the Certificate Holders OF THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MORTGAGE PASS THROUGH CERTIFICATES, SERIES XXXX. XXXX XXXX XXXX WAS THE ORIGINAL LENDER.

MIN # XXXX. I would like request a quick claim deed or full reconveyance of both mortgages. XXXX XXXX  or XXXX XXXX? If we don't owe any money can we please request a reconveyance for the first and second mortgage? Also XXXX has informed us that our mortgage has been transferred out of the system and the last know Servicer is XXXX XXXX XXXX. In XX/XX/2012 XXXX XXXX XXXX did something to release these mortgages?

We would like to know if XXXX XXXX is still the Trustee of the above pass through certificates, and so have these certificates been liquidated, sold, charged off, or forgiven, or included in the mortgage bail out by the Federal Government?

I would like proof that we no longer are responsible for these charged off mortgage loans. We would like a full accounting of monies received from all servicers associated with our mortgages paid to the investors of the Pass Through Certificates, series XXXX that pertains to this single family residence, and XXXX XXXX.

As a protected XXXX XXXX XXXX   Veteran I would like to request a full reconveyance of the first and second mortgage.

We would also like to request to the responsible party the correction of any recorded documents this pertain to this mortgage.

I just want to clean up this situation. Thank you, XXXX XXXX
I had a XXXX XXXX in XX/XX/XXXX that was taken to the emergency room by her grandmother. My name was used for some unknown reason, I was out of the state at that time on vacation. Arkansas DHS is the responsible party. The bill was and has been turned over to them, and by their statements to me resolved. XXXX XXXX XXXX is the original debt holder {$280.00}. XXXX took the account # XXXX {$280.00} dated XXXX. I disputed the claim and they sent a copy of a bill with handwritten modifications dated XXXX. I have made several disputes of this bill. XXXX XXXX XXXX now has account # XXXX for {$420.00} dated XXXX. I have disputed this. Dynamic Recovery Solutions account # XXXX {$420.00} is acting for XXXX XXXX XXXX dated XX/XX/XXXX. today I talked with XXXX XXXX at Dynamic Recovery Solutions XXXX, she said I would receive media. I do n't understand that.