WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXXand XX/XX/XXXX but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.
Bank of America mailed me several offers to refinance my home. On XXXX/XXXX/2015 I called the XXXX, FL sales office and spoke with XXXX XXXX ( MLS XXXX ) and began the refinance process. There were documents XXXX XXXX wanted immediately ( XXXX, XXXX pay stubs & savings statements ) so those documents were emailed to her on XXXX/XXXX/2015, however, the remaining refinance documents, that BofA mailed to my home, she stated could be mailed. So on XXXX/XXXX/2015 I followed her instructions which matched the instructions in the refinance packet, and mailed the remaining documents in the pre-paid postage envelope provided from a Post Office in XXXX, TX. Because the documents were of a sensitive and personal nature, I wanted to have the documents tracked, even though they were only going to XXXX, TX ( XXXX is a larger suburb of XXXX ). The post office clerk informed me that I could not " alter '' the pre-paid envelop and had to mail the documents as is. Needless to say, as of XXXX/XXXX/2015 the documents have not reach BofA 's documents center and are now considered LOST. The post office claims they do not have my package, and BofA claims they have not received my documents either. I am stuck in the middle with my personal information floating somewhere, with no real help available. BofA is claiming since the documents have not reached them ( something they can not proved or disproved ) they have no responsibility to help. Even though, it was their instructions and envelope, they do not track the packages in anyway ( nor to the note that information in the refinance package ). This seems ridiculous. Customers are mailing personal and highly confidential information to them from all over the country and they not only do not track the packages they also hinder the consumer from doing so as well. This process is very flawed and I am not sure what the Bureau can do, but I wanted this practice to brought to light. I was informed by a BofA representative, that mail gets lost every day, and there was nothing they ( or I ) could do about it. I was to either resend the forms or lose the refinance. What is even more frustrating, is that I was informed, after the documents were lost ( of course ) that I could have gone in to ANY BofA location and faxed the documents to the XXXX office for FREE. I looked and this was not noted in any of their instructions. They did supply a fax number but DID NOT state the option of going into a branch. That XXXX simple piece of information could have saved me from the frustration on the entire refinance process. I now have frozen my credit and researching a credit monitoring company to protect me from potential identity theft. My problem is not with the people I worked with, it is with the process that leaves consumers at risk. I trusted BofA and the have completely let me down.
On Wednesday XX/XX/XXXX, I used Chase 's Quick Pay feature to send {$350.00} to a woman named XXXX XXXX. 

Unfortunately, Chase did not send the funds to XXXX, but instead to another person who stole my money and did not return it. 

I reached out to Chase and explained the situation, I opened a case of fraud ( Claim # XXXX ) They said they would investigate further. They initially gave me a credit, but then reversed it and said because I authorized the transaction, they were not responsible for delivering my funds to the wrong person. 

After escalating multiple times, they would not return my money.
Got best buy credit card, witch I did not signup for. Somebody charge XXXX dallors on it before it was even activated.
XX/XX/XXXX i had a loan modification with XXXX XXXX which i honored, i never miss a payment. Six month later the loan was transfer to XXXX ( XXXX XXXX XXXX ). Upon takeover XXXX unilaterally change the term of the the loan modification from XXXX years to XXXX years nearly double the monthly escrow escrow which trigger default again.When i asked them why the escrow on the property was so high? The answer was check with your city property tax department. I send them the proper tax bill from the City over and over again to prove no dramatic change on the tax bill just to be ignored. 
For more than 2 years they refuse to apply the proper tax on the loan and show a complete refusal to honor the previous loan agreement. They hold on it and then transfer it to PHH. The new Mortgage servicing company forced me to apply for modification again which result to a denial while the the loan still have close to {$400.00} excess on the escrow account. The reason for the denial was Insufficient income. I confronted PHH with the error on the property tax they correct it without removing the excess accumulated for the pass years nor offer any new agreement .The change on the escrow was just to make me quiet. on the payoff note The escrow is still high as off now. 
Since i see PHH is moving fast to foreclose wrongfully, i send them a letter explaining the situation with default payment plan agreement proposal with the correct amount owed one month payment according to the plan. They rejected it and stated we can not accept any payment from me. They return the check. 
Phh makes me apply about 3 times for modification. the end of each cycle was incomplete ( Missing Documents ) I send the same document over and over again. They claim they did not received them. to make sure they can play this deceptive game they no longer receive document by email but only by fax an by mail. 
We are in the middle of the foreclosure process. The referee ask them to do an escrow analysis and give the reason for the escrow overcharging. The new answer now as of XXXX XXXX is not the property tax but the default.Their lawyer give a whole new explanation stated that " they had to factor in your deferred payment and change the term of your modification from XXXX years to XXXX years because you defaulted on your loan modification agreement ''. A default triggered by XXXX because they refuse to honor the previous bank modification agreement. XXXX Change the term of the loan agreement shorten the term from XXXX to XXXX years and raise the monthly payment. 
This situation drives me crazy the fear of loosing my home is getting bigger everyday. I feel powerless been used and abuse by those loan servicer using a sophisticated scam to foreclose on my home wrongfully. Now they packed the loan with fee and moving fast to foreclose.In resume XXXX and PHH work jointly one setup the default the other move on to take advantage, steal it by foreclose wrongfully on the property while refusing to honor my original loan modification agreement.
Trident Asset Management, LLC is reporting a collection item on my credit report which purports to have originated from XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX or any of its affiliates and believe that this item is fraudulent. I have attempted to contact Trident on several occasions via phone and email, but have not been able to get a response from them. Given that this appears to be a pattern with Trident ( purposely reporting erroneous information on consumer credit reports in order to willfully extort money from those consumers ), I believe that charges should be brought for fraud against them. It would also appear as though RICO statutes may apply.
I ( XXXX ) was seriously injured in an accident on XX/XX/2016. I 'm still recuperating from the resulting below-the-knee amputation and other injuries and have been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX ( XXXX ), a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " XXXX '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when XXXX called directly to try to negotiate, Chase refused to speak to her, and instead referred her to XXXX of their XXXX Counseling XXXX. Although the initial recording said we would hear a list of agencies serving our area code, our call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX Solutions. '' XXXX stated that she was in XXXX and did not have offices in Iowa. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where In XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.
On XX/XX/XXXX, I utilized my debit card for several purchases. At the beginning of the day I had {$180.00} in my account of available funds. On XX/XX/XXXX, I utilized {$180.00} in funds which did take me to a negative balance of $ XXXX which I agree to 1 overdraft fee in this case. However, I also had a chiropracter appointment which was sitting in my pending withdraws for {$40.00} which still has not posted today on the XX/XX/XXXX. Because the account is holding those funds they are also overdrafting me for another {$36.00} for a charge that is not posted yet. On top of this, my direct deposit is pending as well for over {$1500.00} between both of my accounts. I do not see how a bank can charge me for an additional overdraft fee when their system has the withdraw still pending and not posted to the account yet. This seem like a scam to get easy money from clients. I tried calling the bank to work this out but because of a dispute earlier in the year which caused due to an unauthorized withdraw which the investigation was in my favor and two other refunds within a 12 month rolling period due to the same situation I am facing today, they will not refund any further funds. Again if the funds are pending withdraw but not posted, how can a bank charge me for this when a deposit is also pending for the same day. I agree to one overdraft charge but not two of them.
According to Equifax I may have been impacted by the recent breach. This is unacceptable - mistakes happen, but the loss of almost half of America 's personal information is a disaster. Equifax needs to be punished.
I have ( 1 ) late payment and ( 1 ) deliquent account and my credit score still remains below 600.
The company sent me a letter in which I 've called the specialist XXXX XXXX and have left a few voicemails regarding these illegitimate charges. She has yet to call back or investigate this further. I also emailed her on XXXX XXXX 2017 and again did not get correspondence. She is very aware of these charges and will not remove them. Thus, Synchrony bank is knowingly and illegally collecting a debt and reporting it incorrectly to the credit bureaus which is also a violation of my rights as a consumer.
On XX/XX/XXXX and XX/XX/XXXX this company contacted multiple friends and acquaintances leaving messages implying I had a matter that required counsel and would be reflected on my record. After contacting the company on XX/XX/XXXX and telling them not to contact anyone in reference to my self or my wife they continued with the threatening robot calls to everyone. To this date this company has not sent a single letter or contacted us directly. They are calling friends and acquaintances that we have no idea how they associated us with along with other family members. When the rep came on the phone she stated this was in reference to a bank account in Arizona we closed over 6 years ago in good standing. She then made threats to proceed with further action if we failed to pay right away. When I told her to please proceed she threatened to have us sued or charged criminally for a debt she has yet to validate of XXXX for a bank we have not used in years and is not reported on our credit report. As I asked her for information to send correspondence she hung up the phone for the second time. We called back and were repeatedly hung up on.
They have reported the wrong information from the beginning. They had the wrong amount reported. I went directly to the apartment complex that the debt was owed to and paid them the correct amount. On XXXX XXXX I sent them a copy of the letter showing the debt was paid. They contacted me XXXX XXXX saying I was responsible for paying by the end of the month. Once I explained everything XXXX XXXX stated she saw where the information was received and they will verify its validity. At this point I had already filled a complaint on the XXXX. XXXX XXXX comes back and tells me no record of the information was received after I told her it was sent to a XXXX XXXX. I forward the email to her and magically they received it. There has still been nothing done. I want this resolved. It is getting extremely annoying that it has taken over a month for something to be done.
I will be filing a claim with the Consimer Financial Protection Bureau for the devious sales tactics of the concierge desk that we experienced this week. 

Our experience with XXXX XXXX was not representative of the service we expect when booking a higher priced hotel through XXXX XXXX XXXX than what we could get on XXXX. We requested a crib which we never received we were not able to order room service until after waiting an hour for someone to bring us a menu after calling three time and then my wife was not served at the lobby bar because she had our daughter with her. 

We then called Concierge told them about our experience and she assured us that XXXX would reimburse us the cost of the expenses at the hotel of {$460.00} and then proceeded to book us into the XXXX XXXX which was {$800.00} which we were fine with since we assumed we were getting reimbursed for the night at XXXX. 

When when we disputed the charge the digital travel department blamed the concierge desk and concierge desk blamed digital. XXXX employs concierge staff who are incentivized to sell higher room, although in this case, XXXX XXXX, Travel Counselor with XXXX concierge used our dissatisfaction to out us into a more expensive hotel and said we would get reimbursed.
There are clearly no checks and balances with the concierge at XXXX  which had cost us over {$1000.00} this week. XXXX has closed our case with no compensation
On XX/XX/XXXX I sent a dispute letter to Equifax because I notice some negative information that is not correctly reporting on my credit file. Equifax responded by deleting the incorrect accounts and adding another negative account which is a Judgement. I went to the courts to get some information about this Judgement and the courts informed me that they do n't report to the credit bureaus so they do n't know where Equifax gets this information from. 
I sent a certified letter to Equifax XX/XX/XXXX to dispute the judgement and Equifax responded stating that their investigation is complete and the judgement is reporting correctly. I sent another certified letter to Equifax XX/XX/XXXX asking them to send the name, address and phone number of who they communicated with and a copy of the documentation they gathered that allowed them to come to the decision that whatever they are reporting is accurate. They Ignored me, I did not receive a response. So I sent another letter XX/XX/XXXX and still I did not get a response.
on XX/XX/18 i signed up for a promotional account with citizens bank allegedly {$200.00} received for opening a " one deposit checking '' account if you set up direct deposit and made one deposit of {$500.00} in 60 days of opening account. on XX/XX/18 i made a direct deposit of {$500.00} to the new account. I contacted them at the end of XXXX and they replied 1 month later in XXXX and stated they had up to 145 days even tho the advertisement says 90 to pay out the promotion. In XXXX i went to the physical location rt XXXX XXXX NY and spoke to a bank teller showed them my correspondence with the bank and with my promotion. The teller said she thinks ive met the requirements and that it would most likely be paid nearer to day 145 like the message said when i had first inquired. Today XX/XX/18 i attempted to contact the bank again to ask if this would be paid out and they transferred me twice the second time hanging up from a hold system i called back and was informed the wait would be greater than 30 min so i sent them a online message from their web page and went to CFPB to file formal complaint.
I filed a complaint against Equifax via CFPB, in progress, and the immediately lowered my credit score by XXXX points. They have no basis for doing so, it is very damaging to retaliate against me by dropping my score that drastically because I filed a complaint against them. Proof attached from XXXX.
Today there was a hard inquiry from chase credit card and I did not authorize this. I know i did not do this because I have a low credit score and its no way I can receive any credit cards.
To whom it may concern, Equifax, Transunion, and Experian previously took off all of the items on my credit reprt and reinserted it without my knowledge. The items was previously reported as identity and some was in violation of the federal act.
In late XXXX 2015, I cosigned an auto loan for a grandson living in XXXX XXXX, North Dakota. The paper work was XXXX and signed XXXX XXXX, 2015. However, starting the XXXX week of XXXX 2015 I received various notices from different banks stating that the auto loan had been denied do to my bad credit : SunTrust, dated XXXX XXXX, 2015 ; XXXX XXXX, dated XXXX XXXX, 2015 ; XXXX, dated XXXX XXXX, 2015, and XXXX, dated XXXX, 2015. All these banks turned my credit down. See attached copies. 
During the XXXX week of XXXX 2015, SunTrust sends me a notice, dated XXXX XXXX, 2015, stating that the auto installment payment is overdue!!! I was aghast at this notice because SunTrust had turned my credit down on XXXX XXXX, 2015, and now they were asking for their auto payment installment. Since the XXXX XXXX, 2015 letter by SunTrust turning down my credit, I had not received anything to the contrary from SunTrust, or any other bank that had turned down my credit for the auto loan. 
Upon receipt of this XXXX XXXX, 2015 notice by SunTrust asking for their auto payment installment, I phoned the bank stating that I had no auto loan with them because they had turned down my credit in a notice dated XXXX XXXX, 2015. How could this be? I asked them. They stated that they could not do anything about it, and for me to get ahold of the auto dealer in North Dakota. I called the auto dealer in XXXX XXXX. The auto dealer stated that the banks had turned down my grandson 's credit but not mine, and that my credit was good, and therefore they had released the auto to my grandson on XXXX XXXX, 2015. I said how could this be since SunTrust notified me my credit was bad, and they could not proceed with the financing? Again, they repeated that my credit was good and therefore they had released the auto to my grandson. I could not understand their logic. 
Once those banks turned down in mass my credit application, which I had signed in good faith, I completely gave up. I started to inquire the credit reporting agencies why my credit was bad. My issue is why would SunTrust Bank turned down my credit, and then turn around, a month later and ask for a late auto payment installment? SunTrust Bank, nor any other bank that turned down my credit, never ever notified me that my credit had been approved after all. It does not make sense. I state that I have no credit with SunTrust Bank because they denied my credit on XXXX, 2015.
The apartment complex is calculating charges that are not owed and doesn't match the information on move out inspection sheet. The apartment complex is trying to charge for things that were existing before I moved into the unit. Pictures and documentation prove that the charges are inaccurate and unfair. There was never an itemized breakdown of what is being charged. XXXX XXXX XXXX   recommend removal because a pet lived in the unit there are no itemized break down of the cost. There were previous pets that lived in the unit before move-in.
On XX/XX/XXXX I spoke with a representative in the GM Financial Recovery department regarding a car I had leased with them but was totaled. Insurance paid all but {$3600.00}. I contacted them inquiry about a settlement on the balance owed at which time the representative informed me that the account had been transferred to a third party agency for collections, XXXX ( XXXX XXXX XXXX ). I was informed that the account was referred to XXXX in XX/XX/XXXX. I did not know this until yesterday and had sent several account dispute through XXXX and XXXX and each time GM Financial verified the debt and stated they were still collecting on the debt. 

On today, XX/XX/XXXX I contacted XXXX ( XXXX XXXX XXXX ) regarding my account at which time I informed the representative that I had not received a telephone call, email, or letter regarding them collecting on my account for GM Financial. The excuse I was given was that there was a lot of back and forth between them and companies. The did not state which companies but did acknowledge they have not communicated with me regarding the debt which means I would have not have had any knowledge of who now owns my account. They have had my car for two years and not contacted me.