WillisBack/dataset-financial-user-claim huggingface dataset:
Regarding my son XXXX XXXX born XXXX XXXX, XX/XX/XXXX.I received a bill in the amount of {$530.00} from XXXX XXXX XXXX XXXX but to my sons XXXX he was rushed to the Hospital. I contacted the number on the bill, I gave the rep my Insurance info with XXXX. Not sure what exactly happened but somehow they billed Medicaid instead, therefore making this billing error their mistake. since they could n't collect from medicaid since i do not have medicaid they sent my account to a collection agency called Bay Area Credit and they are now charging me {$540.00} as they are adding interest to my original bill. I then called XXXX XXXX again spoke to the rep to let her know that they are billing the wrong Dept as I do not have medicaid, she said it was the same thing but it is n't plus i know my insurance was n't billed cause when i log into XXXX I dont even see the bill at all as denied or paid so it was n't out through to my proper Insurance, the customer service rep for XXXX even gave me an claim id XXXX, she told me that she would resubmit the bill and that she is putting a 30 day hold by sending collections an email until they collect payment from XXXX that was on XXXX XXXX, XXXX. Now its XXXX XXXX, XXXX, I receive another letter from Bay Area Credit Service in my sons name trying to collect a debt, saying that they will effect his credit report, how can they collect from a minor, as my son is XXXX and why charge a late fee for a bill that was n't paid because of XXXX XXXX XXXX 's billing mistakes. There billing department is constantly billing to medicaid even though i inform them it is incorrect, therefore if my Insurance was n't even billed why was my sons account sent to collection? So resin his credit a minor or mine as his guardian and charge a late fee even though this was 100 % their mistake? This is wrong! Please help me with this matter!
QWR Notice of Error in response to letter dated XX/XX/XXXX In XXXX had to file a Chapter XXXX Bankruptcy case XXXX. On XX/XX/XXXX I entered and signed an agreement with XXXX XXXX XXXX XXXX to reduce the amount of my loan on by {$51000.00} to {$25000.00}. This agreement was filed on XX/XX/XXXX and entered into the Federal Bankruptcy court on XX/XX/XXXX Docket XXXX. Seterus failed to placed the {$51000.00} in the class 7 claims and by not doing so was discharged at the confirmation of the plan. Seterus failed to adjust the loan to match docket XXXX asking for discharged debt on my monthly statements as " Interest Arrearage '' and in a payoffs. Seterus did adjust the loan on XX/XX/XXXX only after Seterus had violated the bankruptcy code and FDCPA. Seterus during the bankruptcy stay placed forced place insurance on the loan raising the monthly payment not to comply with Docket XXXX when in fact the property insurance was up to date and on file with the Bankruptcy court and only needed to be petitioned. Serterus in XXXX paid off a 3 year confirmed bankruptcy tax plan that per the confirmed plan under Class 5 ; Claims for Real Estate Taxes the plan states that the payments were to be made according to the agreed tax payment plan between the debtor and treasure. Seterus did not let this happen paid them off and then demanded the amount in full.
My vehicle was repossessed on XXXX/XXXX/2016 for paying a partial payment of {$200.00} on my car note. I intended to pay the remainder of the {$380.00} note which is {$180.00} on XXXX but my vehicle was taken for being 15 days past due. To my knowledge a repossession notice is sent prior to repossessing a vehicle. I inquired on the date the letter was sent and was advised it was sent on XXXX with a cure date of XXXX. I also paid XXXX 's payment late, which was on XXXX the day I received the intent notice. So I am no longer bothered by the vehicle being repossessed for being 2 weeks late. Now I am being called 3 times a day from Westlake Financial to recover the vehicle. They tacked on fees and are willing to put the fees on the end of the loan if I pay the {$180.00} for XXXX and also pay XXXX payment. They are also willing to add XXXX payment to the end of the loan. The representative would not answer as to why was n't I given assistance to avoid the repossession versus being called daily to recover the vehicle. So I looked at blogs dedicated to Westlake Financials practices and this in a way for them to make extra money. They repossess cars for being less than 30 days past due then offer assistance to recover the vehicle. The assistance extends the loan and generates more interest. I have repeatedly asked Westlake to discontinue contact as they have the property but they refuse. They are already charging 27 % interest and late fees I do not understand the purpose of taking a vehicle then charging to get it back, and harassing you if you do n't get it back. I have been repeatedly threatened by representatives of Westlake Financial on the outcome of not recovering the vehicle as to make me recover the vehicle so I can always worry every night that when I wake up will my car be there. Please assist with the constant phone harassment and the outcome of repossessing a vehicle without notice.
I applied for a credit report from TransUnion. I did not get the report because my " online authentication failed. '' Then, I saw that they had charged me, without ever mentioning in the application that there was a fee!
I have submitted my loans in a Chapter XXXX and converted to a Chapter XXXX Bankruptcy dismissing the loans. Ive tried several times to get a lower payment because I was unemployed. I have been offered deferments or forbearances simply by responding yes to a text message not knowing interest was accruing. I never heard back after informing them I lost my job. I would like to have my loans forgiven or discharged because I wasnt aware of what I was signing and the outcome. I suffer from XXXX XXXX that affects my judgement to make sound financial decisions.
I refinanced my existing {$400000.00} Home equity Line of credit with Bank of America, which was about to be expired to a new Home equity of line of credit ( New Account # XXXX ) effective date of XXXX/XXXX/2016 at no absolute cost ( XXXX cost for refinancing ), then I found out that, the Bank of America Charged me {$1700.00} for capitalized amounts, which does not meant nothing neither to me nor to the employee 's of Bank of America which I am contacting them. Since then, I called Bank of America more than 15 times, each time they passing me from this dept. 's to another dept. 's, with no results, then finally the line will be disconnected or they telling me that someone will get back to you within 48 hours, which never happened, ( each phone call tooks XXXX 90 minutes ) In addition they put me on trial period for three months to pay {$810.00} monthly, then I was told that, it is better that, I pay the full amount monthly on my existing loan in order to keep my credit clean ( in this case I paid {$540.00} above my requested trial monthly payment ), they said that they will refund ( credited ) this amount to my principal account, which they never did. 
Therefore ; I am demanding {$1700.00} + XXXX = {$2300.00} from Bank of America to be credited to my principal new loan.
Citibank discontinued sending statements to me and without notifying me charged my Citi XXXX XXXX XXXX XXXX credit card for their Citi credit monitoring service. I was not using this card for purchases and they began charging my card without notifying me for $ XXXX/mo and accumulating late fees. They discontinued sending statements in XXXX. I only became aware of this in XXXX as a Citibank VP send me a threatening letter that I owed XXXX and if unpaid it would go to collections. 
When I called the outstanding balance since XXXX had become XXXX I paid immediately. I've been a customer since XX/XX/XXXX. I have no debt -- I pay 2 mortgages always on time. I've excellent credit -- yet they managed to trash my credit standing. This is why Americans have lost all trust in banks and their predatory behavior. I'm XXXX and very busy maintaining my obligations. 
This bank never communicated with me about any of this. Last week I received all my statements since XXXX from them. Since I was not using this card for purchases they devised a technique to collect late fees. 
I have worked hard to maintain my good credit standing. Citibank is sabotaging my credit scores. This is both predatory and elder abusive.

Not once did they contact me. If my Citi credit monitoring is not paid why then was the service continued. They had no authority to charge my credit card for these amounts if unpaid for -- so this is another issue. They had no right to report my account to the credit bureaus without contacting me. If they abuse customer like myself -- no debt, always pay my obligations on time -- which I have many years of record to show, imagine what abuse they must render to people that are struggling. 
For me their behavior is unquestionably criminal. They are a criminal and amoral organization. This is not how America use to be. This is the new America -- take advantage of the normal working guy.
Good Afternoon, I sold my home on XXXX XXXX, 2016 and PHH Mortgage still had {$4700.00} in my escrow account. I checked my account online and it showed that all escrow funds were disbursed to borrower on XXXX XXXX. 3 weeks ago I called PHH to inform them that my disbursement check had not arrived yet. The representative stated that she would expedite mail me a new check. 2 days ago I called again to find out the status of my check and was told that they have not issued a new check yet and would expedite a new one. In the last 6 years living in Texas I have experienced only XXXX situations where mail got lost and in both cases it was mail from PHH with large value Escrow funds checks ( this occasion and when I sold another house about 3 years ago ). I find this to be an extremely implausible and unacceptable coincidence that should be compared with other consumer reports.
Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
In XXXX XXXX I applied for a mortgage with KeyBank. Prior to the application KeyBank loan officer XXXX XXXX checked my VISA status, Income, Debts and Credit score. After checking I was approved and ready to apply, according to XXXX XXXX. 
I applied on XXXX/XXXX/XXXX and received pre-approval letter. 
On XXXX/XXXX/XXXX XXXX XXXX informed I do not qualify for a mortgage because my VISA status ( non-resident ) does not comply with KeyBank 's guidelines. 
To my big surprise KeyBank opened on XXXX/XXXX/XXXX a mortgage loan account, loan amount {$240000.00}, under my name without informing me. In addition I never signed any kind of legal documentation and/or gave authorization to KeyBank to open this account. I met with KeyBank representatives, I emailed KeyBank VP of Mortgages XXXX XXXX XXXX, I called KeyBank executive phone number but nobody is willing to respond, give an explanation nor willing to close the account or process the paperwork that belongs to this account so I can purchase the house. 
Conclusion : On XXXX/XXXX/XXXX KeyBank opened, without any authorization and/or legal signature, a mortgage loan account under my name with a loan amount of {$240000.00}.
I graduated in 2010 and could not find a job in my field right away and could not afford the payments with XXXX, then my loans were transferred to Navient. With Navient I got a new billing system and a new website and they put me at I wanted to make payments but was told I could just go into forbearances until I was able to pay the amounts. I wanted to make payments but simply could n't afford the rates they wanted so I went into forbearance multiple times. I recently had a discussion with a co worked who has student loans through Navient and she had the same complaints I did and expressed the same feeling of never being able to pay them off. I am finally at a job where I am getting a steady income and now I am paying as much as I can. I then had an issue where the company I work for could not pay me on time so I wanted to make a payment but was n't sure when it would withdraw. The lady I spoke to recommended a short forbearance and mentioned that the principle would go up. still. This is the first time I can ever recollect being informed of this. I then got to looking and noticed that yes even though I am paying $ XXXX a month my overall balance is only going down maybe {$4.00} a month. If I had known before that my principle would still go up I would have found another way to pay ( like I wanted too ) instead of going into forbearance so many times like they recommended. I work XXXX hours a week and want to pay my debt off but it seems impossible at this point and I do not understand why a company would work against people who are trying their hardest to pay their loans off.
I asked the telemarketer ( same female every call from the voice ) 5 months ago to place me on the DO NOT CALL LIST she continued to speak over me and stated " speak up I can not I can not hear you I'm sorry you must not heard me clearly '' then she continued to read into her script, basically disrespecting my wishes. I disconnected myself from that call only for her to call back 1-3 minutes reading into her script as if it became personal she was now purposely aggravating me. this went on for an entire month 5 months ago. I went through every step possible, I tried reaching the number back to take with may be a supervisor, but the number is not reachable, I decided to block the number she called from but that she will continue to call from different numbers, I then decided to add my number to the do not call registry and the calls stopped about 2 months ago the beginning of May. Today the calls just returned and now it's a repeat of the behavior I stated earlier. These are the numbers that the telemarketer is  calling from including the times XXXX at XXXX, XXXX at XXXX, XXXX at XXXX
I am in receipt of settlement offer dated XX/XX/XXXX offering a Temporary Payment Arrangement, and a Resolution Amount of {$79000.00} ( copy enclosed ). 
I am also in receipt of letter dated XX/XX/XXXX, wherein stated the balance due is {$33000.00} ( copy enclosed ). 
I am also in receipt of letter dated XX/XX/XXXX in which the balance due is {$32000.00} ( copy enclosed ). 
And finally, I am in receipt of a letter dated XX/XX/XXXX, wherein a Resolution Amount of {$19000.00}. 
As you can see, the documentation that has been provided to me in regards to the stated balance due, is nowhere near recent resolution amount {$79000.00}. 
I am therefore and hereby requesting that Real Time Solutions provide me with a complete and detailed accounting of this debt, including all copies of letters that have been sent to me in regards to the collection of this debt and a copy of the Notice of Servicing Transfer. Pending receipt and concurrence of this information, I am prepared to consider a resolution offer of {$19000.00}, to be paid through escrow from the proceeds of a refinance of the first mortgage. 
Please contact me at your earliest convenience, as I am anxious to get this matter settled.
please find attached the creditors letter for which they have approved of these negative mark removed from the account, ( letter attached ), the other two bureaus have already removed the negative mark except XXXX and i have attached the same letter over and over again, i have also verified with the creditor wells Fargo and they have sent the notification many times please have XXXX change their reporting thank you
I am a XXXX year old student and a victim of a scam. Responding to myposting in XXXX a XXXX company relocating to XXXX contact-ed me with an XXXX position All communications tookplace by email and XXXX of them notified me that I was going to receivea cashiers check with which to open a checking account on my namewith {$4700.00}, and after leaving {$200.00} in the account for office suppliesI had to deposit the rest in a specific account at the XXXX XXXX XXXX XXXX 
I emailed the company photos of all transactions and was waiting tomeet my future boss on XXXX XXXX. The next call to the company wasin vain. They had vanished. On my mother 's advice I contacted theCitibank branch manager and the local police in order to protect myselfand others. I was shocked to learn that this was an old scam and thatI would face civil charges if not criminal ones.
After multiple attempts and going through the credit bureau, XXXX XXXX continues to report incorrect information about my CLOSED account! The account has been closed for 3+ years!

I refinanced by loan inXX/XX/XXXX. The wire paying my account in full was sent on XX/XX/XXXXand XXXX XXXX closed my loan on XX/XX/XXXX. However, they reported me 30 days late on payment for XX/XX/XXXX the month my account was paid in full and closed.

They have been notified multiple times since XX/XX/XXXX. It get fixed and then it shows back up again. Every time I call they say the disputes I filed are " still in processing ''. Do they get 3 years to process this kind of error??

Additionally, both Experian and XXXX XXXX did electronic verification which clearly was not the appropriate way to resolve this complaint!
On XXXX I filed an Online Dispute on Transunion website disputing an address that appears on my report that I have never lived at and have never used for any purposes. 

On XXXX Transunion sent me a notice stating that Dispute had been completed and the address was not removed and the the source of the address was not revealed to me. 

XXXX I sent letter to Transunion ( see attached copy ) demanding to get the source of how they verified the incorrect address. It is my understanding that Transunion had 15 days after receiving my letter to send me how they verified the address and the source of the address and they have not done that.
I am a co-applicant on an apartment. I currently own my home. On XX/XX/XXXX, CoreLogic sent an Adverse Action Letter indicating application was denied. They indicated that there are associated arrest records with my name in Florida ( I have lived in Maryland for 30 years ). They acknowledged the spelling was different and did not match up any other factors such as full name, social security number, nor did my solid credit history, employment history and other community standings matter. On XX/XX/XXXX, via email to CoreLogic, I sent my driver 's license to confirm the spelling and entire name was different and I forwarded Florida public records from Web searches such as XXXX to show it was not me. They admitted that the names being spelled differently should have indicated a non-match and so did the apartment community - both indicated this is rare. Was told I had to dispute or I would remain in their database as a criminal ( with 9 convictions ). After visiting XXXX, I see this is happening to many citizens who are shocked that this firm keeps them in their database as criminals once they are associated through the company 's algorithms and scoring as high risk. In the U.S., you are innocent until proven guilty but not with this organization. As of today, XX/XX/XXXX, and after many calls to CoreLogic including the supervisor and his supervisor, there is not resolution. Not only does my daughter risk losing her apartment, but I may be considered a criminal in this firm 's database. I don't even have a traffic ticket anywhere.
I got a little behind on bill. Just bought a house with my wife, and are dealing with credit card debt. Will be paying in the next week.
XX/XX/XXXX Wells Fargo Corporate Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Mortgage acct # XXXX Mortgage acct # XXXX Notation WF as 2 separate account references For the same person and same mortgage??? 


This complaint refers to another court whereby Wells Fargo answered Court Documents With false and misleading answers to the UNITED STATES BANKRUPTCY COURT FOR THE SOUTHERN DISTRICT OF FLORIDA XXXX XXXX DIVISION CASE NO : XXXX. doc XXXX filed XX/XX/XXXX on page 1 of 3. 

The response of Wells Fargo RESPONSE TO OBJECTION TO CLAIM No 1-1 ( Creditor ) alleges the following by and through the undersigned counsel : 2. Creditor affirms a timely proof of claim { Claim 1-1 } was filed on XX/XX/XXXX In the total debt amount of {$100000.00} The amount given by Wells Fargo is inaccurate, inflated and deemed to be false and was submitted to the Court of the above jurisdiction involved. 
The Creditors records ( Wells Fargo ) otherwise indicate unpaid payments as of XX/XX/XXXX statement date unpaid payments in the amount of {$38000.00} + unpaid principal Balance of {$46000.00} both amounts equal a total of {$84000.00} The Creditor being Wells Fargo has proven during the currency of time to practice deceptive methods and banking principals that directly affect the customers continually And unjustly, I further certify that all amounts claimed by Wells Fargo include inflated amounts at the benefit of deceiving the account holder and causing tremendous intended Actions that can and will be used against them and should be corrected by the Authorities That govern the standards, rules, laws and protections under the Law of the Land. 

I hereby certify that the above information is true absolute truth does not change but Wells Fargo is correct in being wrong and should restitute and compensate the damages Incurred and occurred against all parties involved including me. 


May Justice be serve accordingly and significantly without further prejudice Sincerely : XXXX XXXX XXXX
Afte  r my chapter   XXXX   case was final as  of  XX/XX/XXXX .  my credit file was my first to take care of. I made contact with all of the companies to ensure they all had the proper information to resolve this issue. Equifax still shows an open account that is keeping my score from rising. I have given them all the information to correct this issue and to this date, they have n't repaired this problem. I 'm at a loss as what to do as I get the run around every time I call.
<P/><P/><P/><P/><P/><P/>
 XX/XX/XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   WA.  XXXX  Complaint Department   XXXX      XXXX   XXXX   XXXX   XXXX  , Texas   XXXX   Dear Sir or Madam : I am writing to dispute the following information in my credit file. I have named them attachments as follows. I am enclosing my entire chapter   XXXX   bankruptcy showing it has completed as of  XX/XX/XXXX  I would like to update my personal and public record with the enclosed final court file showing it satisfied.
<P/>
( 1 ) Attachment Enclosed you will find my entire court records for my Chapter   XXXX   Bankruptcy filed on XX/XX/XXXX  ending XX/XX/XXXX . Please reinvestigate these matters and delete or correct the items as soon as possible.
( 2 ) Attachment My personal information for update.
<P/>
  XXXX   XXXX   XXXX
i recieved a notice from XXXX dated XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX, thanking me for opening a credit card with XXXX, in the name of XXXXXXXXXXXX. I did not open a credit card with XXXX through XXXX XXXX XXXX. I notified XXXX on XXXX/XXXX/XXXX that this was fraud. I filed a police report on XXXX/XXXX/XXXX with the XXXX XXXX Police Department. On XXXX/XXXX/XXXX, I recieed a letter from XXXX about the fraud report. I filled it out and returned to them. On XXXX/XXXX/XXXX. I recieved a bill from XXXX XXXX XXXXr where someone rented a card in my name. I notified them that this was not me. I filled out an affidavit and had it notarized and returned to them with a copy of the police report. XXXX XXXX XXXX called me on XXXX/XXXX/XXXX, concerning damage to this same vehicle. I sent them a copy of police report and affidavit. I also sent a letter to Equifax, stating this was fraud and to remove from my credit report. They have not did this.