WillisBack/dataset-financial-user-claim huggingface dataset:
Chase Auto Finance, End of Lease Division, mailed me a bill for {$520.00} dated XX/XX/18 after I returned my leased vehicle to XXXX XXXX XXXX in XXXX, ME on XX/XX/18. I did not know or was expecting a bill, as the vehicle was paid in full and the car salesman at XXXX XXXX never told us to expect one. We moved from XXXX, XXXX to XXXX, XXXX on XX/XX/18, and my mail was forwarded. I did not receive the bill from Chase in the mail until XX/XX/18. The bill does not indicate a certain period of time to pay. I tried calling Chase to take care of this on Saturday morning XX/XX/18. The office was closed on the weekend, so I had to call and pay in full on Monday XX/XX/18. They had already posted a negative/delinquent remark to the credit bureau on Saturday morning XX/XX/18. After repeated calls, letters and faxes ( including from my attorney ) for them to remove this from our credit report, they have refused on several occasions. Below, please find a copy of the letter that my attorney sent to Chase to rectify this issue.
I recently got a Venture credit card from Capital One. I use credit cards a lot for my company and they were advertising the 2 miles for every dollar spent. Since I have several employees that charge corporate expenses, I went on line and ordered additional cards. I got a call today from Capital One telling me they needed further information on all the employees such as Social Security card, drivers license, etc. I told them it was too much of a hassle and to just please cancel my request for the additional cards. Since I am responsible for paying the bill I did n't want to give a lot of personal information on all my employees. I was then informed I could not use the card again until I gave them the information on those employees, even though I was cancelling the request for the additional cards. I told the representative that I would not use the card any further and went on line to redeem the miles because there was a big bonus up front. Well, they wo n't even let me redeem the miles without giving them the personal information on my employees. Even though I do n't want the cards now! Capital One is obviously trying to get information to market to my employees and are holding the miles hostage. I will never use Capital One again as I have been a client for years and always paid on time but am being treated this way.
There were XXXX home equity loans that I had taken out in XXXX ( for US {$100000.00} and US {$30000.00} ) from Citibank. They were satisfied when we took out a XXXX home equity loan from Citibank for a larger amount ( US {$250000.00} ) that involved satisfying the first XXXX home equity loans. The XXXX home equity loan was fully paid off in XXXX and the lien has been removed from the title. However, the lien for the first XXXX home equity loans was never released and recorded with the county ( XXXX ) as was to have been done. I am in the process of selling the house, and the first XXXX home equity loans ( for US {$100000.00} and US {$30000.00} ) are showing up as liens on the house ( see attached ). I have contacted Citibank several times and have not been successful at finding someone who can help me as they are now showing any active mortgage or home equity loans. I have been transferred repeatedly and have also faxed information, but am unable to resolve the issue. I would appreciate it if you could provide assistance in having them send me the paperwork showing that the XXXX home equity loans have been satisfied as soon as possible as this is delaying the closing of my house. 

The address for the house is : XXXX, NY XXXX I have also attached the information showing the two liens from Citibank on the title.
I finished my plan with XXXX around XXXX XXXX. I have paid all of my bills, returned all of the equipment and got a receipt. 1 year later I get a suspicious phone call from a dept collector saying i owe XXXX XXXX $ and I need to pay them the amount. right away I call XXXX and they told me that I do n't owe them nothing and the account was closed. I called up the collector and told them that I DO NOT owe them nothing and they told me that they have disputed the charge. 
6 month later ( XXXX XXXX ) I get another phone call from the collector again, This time I told them that this is a fraud and they are steeling money from people. I hang up and called XXXX again, They have check every thing and assured me that there is no charge owed or requested to collect. I called the collector again and told them the story, The representative told me that she will dispute the charge. I called one week later ( XXXX/XXXX/XXXX ) to check that they took me off the system but they DID NOT. I told the The representative to dispute the charge and he told me that he will do it and when I asked to get a confirmation letter or # he refused to give me one and put me on hold for 1 hour. I hanged up and call again to fine that the next representative will do the exact same. 

Thanks
This agency calls me on my cell phone and home phone, XXXX of which are unlisted numbers, at all hours. The person calling does NOT identify himself as a debt collector, or even say who is with. He attempts to get personal information form me, and other members of my household. He calls from XXXX XXXX XXXX and I only know it 's a debt collector from searching the number online. I have my home and auto loans thru a local credit union, and I have only XXXX Credit card which is fairly new and never been in arrears. This company uses many illegal tactics and should be stopped. 
Hauge Associates , Inc . 
P.O. XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXhttp : //www.haugeassociates.comXXXX
I have been contacted by XXXX firms that claim I owe XXXX ( formerly XXXX XXXX ) {$1700.00} for a Sleepy 's purchase in XXXX XXXX. I had paid off other XXXX loans ( medical and other ) so when I was offered an account settlement I was most willing to pay the a lesser amount in two installments of {$350.00}. As agreed I did so and I do have the letter and subsequent payment documents. I was later contacted by a credit firm in XXXX, NY, XXXX, and explained the situation -- I had a solid explanation about the resolution. XXXX XXXX I was served by Daniels, Norelli Scully and Cerere. I explained the matter to their representative, XXXX XXXX asked me to fax the documents discussed to a " XXXX ''. I have the number and contact names. I wrote a followup on the cover to XXXX XXXX. I asked for a letter of confirmation. I did n't receive one, but was n't surprised. Not until this week did I hear from the Daniels firm. The paper work, a cover letter and an old letter " from XXXX '' were sent. It 's dated, insufficient work. A great problem for people is the insufficient, groundless information that causes firms like XXXX to join in without full knowledge of the matter. A firm like Daniels is just permitted to contact and harrass consumers without the proper paperwork. I remember seeing the issue on the XXXX XXXX. ... Something needs to be done. I 'd appreciate your assistance. I can easily provide documents. Thank you for your vigilance. XXXX XXXX.
XXXX XXXX XXXX {$540.00} This company made it hard to make my payments. I tried and got the run around until they finally closed the account. I was told my account could not be found and was unable to pay on it. 

XXXX  XXXX {$410.00} Was paid and they are reporting inaccurate information. 

XXXX XXXX account is reporting wrong information. I would like it removed! 

XXXX XXXX XXXX. Is reporting a 60 day late and that is not correct. I want it corrected or removed XXXX XXXX Was paid and they are reporting inaccurate information. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 


XXXX XXXX XXXX. is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX  is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX/XXXX  is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX Is reporting inaccurate lates on my credit report. They said they fixed it but my credit report still reflects those late payments. 

XXXX XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX  XXXX is reporting inaccurate information. I want this removed from my report.
I was never informed that negotiation was an option. I tried contacting them at least 8 times over a 2 month period and was never able to reach anyone ; when I left messages, no one contacted me back. I only received a first notice, then another bill labeled first notice, but never a final notice. Then suddenly I was being reported to collections. The collections letter mentioned nothing about a " grace period '' before it was reported to my credit report, but on the phone, after informing the operator I can only afford to pay $ XXXX/month, at the very end of the conversation she informs me that I have until the XXXX of this month ( about 3 weeks ) to pay the full amount or else it goes on my credit report. Even if I am actively paying toward my balance, it will still be on my report. Nowhere in writing was this grace period stated. The communication has been evasive, misleading, and omitted details, and the operators were not only rude but also evasive and did not properly disclose the information until I dragged it out of her by asking repeatedly if there is anything else I need to know. If I had n't asked her that repeatedly, there is no way whatsoever that I would have known I could negotiate, that there was a mysterious " grace period '' that I had to pay off the full amount ( less than 1 month is not remotely enough time to be called a " grace period '' ), or that I will still be reported to collections even though I am actively paying off my debt.
Bank of America ( FIA Card Servies ) continues to report two obsolete credit card accounts. The Bank of America ( XXXX XXXX ) credit card is account number XXXX**** and Bank of America Credit Card ( mastercard ) XXXX****. <P/>Both of these Bank of America accounts should have been removed in XX/XX/XXXX and XX/XX/XXXX. I am attaching a credit report from both XXXX ( XX/XX/XXXX )  and XXXX ( XX/XX/XXXX ) Both reports show the removal date for both of these credit card accounts as XX/XX/XXXX. <P/>The removal dates derives from information the creditor furnished to the credit bureaus as being the first date of major default. <P/>Both charged off accounts have been have been sold to numerous collection agencies in the past 4-5 years. It appears the accounts are listed again with Bank of America with brand new dates for expiring - from XX/XX/XXXX to XX/XX/XXXX. <P/>I recently disputed both tradelines with XXXX. The creditor verified the accounts and stated the date of default is in XX/XX/XXXX. Bank of America has furnished the date of default as occurring in XX/XX/XXXX to XXXX - causing a removal date in XX/XX/XXXX!! <P/>I am asking that both of these tradelines be deleted from my credit report.
XXXX is reporting information supposedly reported by the XXXX XXXX XXXX however, XXXX XXXX contradicts what XXXX assure ( see letter from the court ) XXXX  has acted with negligence. Please see attached documents.
Hello! 
I recently resubmitted my income verification for XXXX, which I have been using for years. Navient responded and said I was ineligible for XXXX because I have a PLUS loan -- -but I have been doing XXXX for years. I have submitted several complaints over several weeks to Navient and I have not heard back. If they do not make the correct changes, I will be billed over {$1000.00} in monthly payments. 

Thank you for your help!
For three years Ive disputed Sychnory Banks invalid late payment history on my credit report. No matter the numeorus amounts of evidence and disputes XXXX and XXXX  have allowed it to stay. In XX/XX/XXXX-XX/XX/XXXX I paid off my balance and made all Payments to Sychnory Bank. A few days after thy added almost {$900.00} if interest. I was told that if I made the amount of payments they stated in the agreement no interest would be added. I did this but it was still added. A few months later I received a form about people being misinformed and to dispute it. I mailed the form off and for several months called asking about the form and issue. Each time they pretended to have no knowledge of the issue. This continued until fall of XX/XX/XXXX when I requested every bill so that I can get the Attorney General involved. I received a letter stating as a courtesy they are removing the interest. Yet I still have 30 day late delinquencies reporting for their fraudulent interest scam.
Incorrect amount and interests charged when nothing in the original contract or lease agreement indicates interest can or will be charged. In accordance with the Fair Debt Collections Practice Act, 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
THURSDAY XX/XX/XXXX I went to my bank to deposit {$2400.00} in cash into the drive through ATM. I got a receipt and noticed that it said I have {$0.00} on my account. The Branch closed the minute I walked up to fix it. I called Bank of America to get my money and they said my account was closed that day as of XXXX ( which i didnt get notified of ) and to call recovery department on that friday because they can refund my money but there department was already closed for the night. The following day I called and they said they will put it in to where I will get it by Monday XX/XX/XXXX at the latest and my account closed the day before I deposited the money. I told them I needed the money for my sons school and for my house deposit. I talked to over 10 representives over the last few days and keep getting different stories and i've still no money. A few representivies said I need to call my lawyer because i'm suppose to get my money in cash. I went to that bank and they said they cant give me my money. I have different names and departments written down and been transferred to different people and been told it will be up to 90 days for me to receive my money.
XXXX XXXX had a prior collection account with XXXX XXXX XXXX for attorney fees that was then transferred to XXXX XXXX XXXX. Payment arrangements had been set up with XXXX XXXX including an agreement to hold interest. The account was then sold, when the original debt collection agency went out of business, without our knowledge. We had no idea who XXXX XXXX XXXX was or that they had assumed responsibility for the debt. Prior to their communications, a check in the amount of {$1000.00} was sent to and cashed by XXXX XXXX XXXX. 

XXXX XXXX XXXX has now contacted us on multiple occasions. Their most recent communications include contacting XXXX XXXX at XXXX on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and three times on XX/XX/XXXX. During each of these phone calls and voice mails they failed to notify us that this was an attempt to collect a debt. When returning their call to learn more about why they were contacting us, we became aware that an additional {$600.00} had been added on in " interest and fees ''. The gentleman on the phone stated he was " doing us a favor '' by applying our {$1000.00} payment to principal. We asked for an explanation regarding how the additional fees had been assessed stating that they could not just add fees without justification. The gentleman on the phone at that time stated " Actually we can and we will ''. We asked XXXX XXXX XXXX how we could arrange to pay on the account, what they were willing to do to work with us, and were told that we would have to make them an offer, then they would decide if they would accept. 

They failed to notify us in writing of the debt until XX/XX/XXXX. Further, on their statement they allege that the last payment received was XX/XX/XXXX although multiple payments have been made since XX/XX/XXXX.
For 2 weeks I have contacted Chase regarding fraud charges on my XXXX XXXX card, for XXXX weeks I have initiated contact with the vendors to get credit for the fraud charges, for 2 weeks I have given Chase the persons name, email and location, yet Chase continues to allow charges to my debit card. Why should I have to close my card and wait 5 days for a new card when they can contact this person to stop. Here is the latest charges XXXX XXXX XXXX XXXX XXXX. debit {$48.00}
I have continued to receive communications by e-mail for several payday loan companies saying I still owe money which I went through a payday loan relief company to payoff any that I did have and that has all been completed over 2 years ago. I feel as this whole scam of payday loans is unfortunately somehow allowed to continue as they probably figure that people forget and will probably give up and pay what they say. Also my husband and I went through bankruptcy which was completed last XX/XX/XXXX and there were some loans that were applied in the bankruptcy but the companies never pursued in a timely manner with the bankruptcy rules and then were not included. I must admit all of this is very confusing. The payday loan relief company we went through was XXXX XXXX XXXX, phone XXXX and at that time XXXX was the person handling our case. Everything was paid in this plan. XXXX had a Revocation of Authority to Contact Third Parties and if any companies tried to do this it is considered a violation of the Right to Financial Privacy Act, 12 USC 3401. Just as a note ; GOVERNMENT ACTION Golden Valled Lending, Inc. On XX/XX/XXXX the Consumer Financial Protection Bureau ( CFPB ) filed a complaint against Golden Valley Lending , Inc., Silver Cloud Financial , Inc., Mountain Summit Financial , Inc.,  and Majestic Lake Financial , Inc. Case # XXXX <P/>The complaint from CFPB alleges that, The companies deceived consumers by collecting debts they were not legally owed. The CFPB also alleges that the four lenders could not legally collect on these debts because the loans were void under state laws governing interest rate caps or the licensing of lenders. The CFPB alleges that the lenders made deceptive demands and illegally took money from consumer bank accounts for debts that consumers did not legally owe. <P/>The case is currently pending. <P/>Thank you for reviewing my information :
I provided Experian, XXXX  and XXXX  with information asking them to verify all accounts on credit file, as I did have issue with incorrect information being reported, as I am a XXXX. I advised that the information was not current, shown to have been incorrect, and ask that they remove the incorrect information ASAP. They are also providing and showing out dated information advising that I am currently behind on my accounts, when I am current and have not been late. Advised that information would be updated, but that information did not show to have been updated still to this day. Showing the last information to be reported was dated for XX/XX/2017. I have asked all 3 companies to update, verify or remove the accounts and to no avail. At this time I am asking for all hard inquires, as well as all collections shown to be removed, and all outdated inaccurate information removed as well. I shouldn't have any inquires on my report as I have not apply for any updated or new credit. I have sent letters to all 3 credit companies advising if this information is not corrected, I will move on the legal actions. I should not have to pull and go back in fourth with a company that is paid to report accurate and true and correct information! Please assist me in getting this all resolved and having all this information verified, removed off my report. I didn't want to come to this point, but this is the only chance to have this matter resolved.
I applied for a US Bank Mortgage nearly 4 months ago and my loan officer indicated that my file was underwritten near 4 weeks ago and I responded to XXXX questions from underwriter. 

I was supposed to close on my new home in XXXX on XXXX XXXX 2015 and at this stage US Bank is indicating that they can not let me know when my home will be funded and closed. 

Also US Bank has had my file with their compliance department for over 2 weeks and I am very upset and disspointed with the whole process.
numberous inquiries placed on credit report that were not authorized. numerous mortgage inquiries were not authorized and also the auto loan inquiries.
I noticed in XXXX that my credit report contains late payments reported on XXXX and XX/XX/2016 for my XXXX   student loan accounts. At the time, I have attended XXXX XXXX College ( now XXXX XXXX University ) in the Spring of XX/XX/2016and XXXX XXXX University in the summer and fall of XX/XX/2016. As a student attending classes at least half-time during those period, my account should not have entered payment at that stage. However, even after contacting XXXX regarding this issue, as well as sending their credit bureau management team relevant documents showing that I was a student at the time, I have not gotten a single response from XXXX team.
I am trying to resolve the matter of delinquent payments on my mortgage with Ocwen Loan Servicing. I had some major health issues and fell behind on my loan. I am now healthy and back at work, and have had a tenant move into my home in order to generate more money that can be dedicated to go to the monthly mortgage payment. The problem is that Ocwen refuses to open a review of my current financial circumstances and is demanding that I reinstate the full past due amount including the late fees and legal fees they have added. I can't get an assigned account manager to work with me and feel that Ocwen is denying me access to programs that should be made available to me. I have owned my home for over 50 years and do not want to lose it. This is an avoidable foreclosure, I have the means to make a fair payment. 

This home has been in my family since XX/XX/XXXX. We refinanced the loan in XX/XX/XXXX and had no issues with our monthly payment. We began having problems in XX/XX/XXXXwhen a wall in our backyard collapsed. There was a major question over who was responsible for the wall repair. We tried to work it out with our neighbor and the city but it turned into a big issue. We ended up getting fined {$6000.00} and were in and out of court dealing with the city inspector 's. We ended up having to pay {$12000.00} in order to rebuild the wall and this caused some financial problems for us. We fell behind on the loan and tried to get Ocwen to work with us at that time. However, we could not make any progress. Luckily we had some resources and we paid Ocwen a lump sum amount of {$14000.00} in past due payments in order to get back into good standing. We kept up with our payment until a little over a year ago when I had some health issues and was not able to work. We thought it would be easy to get caught up on our loan and reached out to their agents to see if we could be considered for a modification or a repayment plan or some type of compromise. The agents at Ocwen refused to allow us to even be considered for any of these programs and we were told the only option was a full reinstatement of the late payments and late fees. I am certain there are programs we qualify for and am puzzled and angry about the way Ocwen has handled our request for assistance. 

Our financial circumstances have dramatically improved. I am still working part time shifts as a XXXX and also receive SSI while my husband was receiving a pension. We sent all of this information in to Ocwen but they dragged their feet, and now, Unfortunately, my husband just passed away. In order to dedicate more money to our mortgage payment we now have a tenant paying rent to us in our home and my cousin is living here and contributing as well. We have more than enough income to afford a fair payment, but the issue is that Ocwen won't give me the time of day.