WillisBack/dataset-financial-user-claim huggingface dataset:
We applied for a mortgage with TD Bank after our offer was accepted on a condo in XXXX XXXX, NJ in XXXX. The price of the condo was $ XXXX and we were looking for only a $ XXXX mortgage. The entire process for getting final approval on the mortgage was stressful and inefficient and lasted from XXXX to XXXX 2016. From the beginning we were not given a clear understanding or timeline of the process and steps involved in getting the mortgage. When forms or documents were requested we would rush to provide them. We would then ask what other information would be needed so we could be proactive. We were told that no other info was required from us only to be contact a week or days later with another request which the Bank required immediately. So we would have to drop everything and run to the bank or contact our lawyers or the sellers to get the information required. This happened multiple times over the 3-4 month period and sometimes it would be for information we already provided. We would submit forms, like the SSA form, and be contact by the bank over a week later saying the quality of the scan was not good enough and needed to be re-sent. It took them over a week to look at a form that they requested we submit immediately?? The mortgage was also delayed because since more that XXXX % of the units in the condo were owned by one company we needed special approval. It took over 2 weeks to get this approval because the person at TD who approves these cases was on vacation. There is only one person in all of TD bank who can approve this? The final straw came when we were delayed because TD Bank ended its partnership with the 3rd party who processes the SSA forms and they had no other service they could use. Because they were able to process my husband 's SSA form before the partnership ended but not mine, TD recommended we restart and resubmit the mortgage application process with just my husband 's name on the application. After a few months our lawyers and the sellers were starting to get frustrated that the mortgage was taking so long. Our apartment lease was up XX/XX/XXXX and our landlord wanted a confirm date as to when we would be moving out. When we told TD that we would need to finalize this mortgage soon ( after 3 months of back and forth ) or we would be without a place to live, they suggested we put our stuff into storage and move into a hotel. We live in XXXX and moving into a hotel is not an affordable option. After all this, we were so desperate that we cashed in some of our investments in order to make up the $ XXXX and pay all cash for our condo and never got the mortgage from TD Bank. As a happy and loyal TD customer for over 15 years, I was truly disappointed on how my husband and I were treated. As first time home buyers they tarnished this experienced for us and left us without a mortgage.
I am XXXX, and in cleaning out my old financial papers, I found I had an unopened envelope from 2000 with an original uncashed check payable to me ( and my son as XXXX ) from Bank of America XXXX, XXXX, NY XXXX, Phone No. XXXX ( since then absorbed by the Bank of America/Merrill Lynch Company ), for {$1000.00} dated XX/XX/2000, and drawn on XXXX, with numbers on the check of XXXX and XXXX, check number XXXX. The check receipt says it is a " cash withdrawal '' and I also recall from numbers on it that it is for a dividend payment to me from a municipal bond interest payment, before those dividends were all transferred to me electronically, from a brokerage firm called XXXX., located in New Jersey where I had an account, and which is no longer in existence but used Bank of America for the financial clearing of its debts. The original address and phone number on the check is no longer valid so I took the stale check and envelope to a local Bank of America bank and asked for a current replacement check for my stale check. No one there, or the phone contacts they called, can tell me how to get a new exchange check for my stale check, as for example the State of Maryland did when I found an old stale refund check from the State of Maryland. Bank of America has had me call BOA customer service on XXXX and I have done so several times and spoken to representatives who take my information but do not call me back. Bank of America got this money in XX/XX/2000 to pay me, and the bank has had it and earned interest on it all this time that I misplaced this check. I want the cash that was deposited with them for me by XXXX., back in XX/XX/2000, but Bank of America or Merrill Lynch will not respond to my request about how to get a new check in exchange for this check that I lost by misplacing it. I can pdf a copy of the check, its payment data, and the envelope.
I noticed that a previous address that was entered as my information is not correct. I have never lived at the address on XXXX XXXX. The current information is correct, but the previous address is not.
I have a Citizens Bank credit card. I have not made a purchase on the card since XXXX 2011. I have the payment auto deducted from my checking account. The way this card is set up you can only have the minimum payment deducted or the full balance of the card. 
I had, the minimum payment deducted every month. Somehow with no purchases made the interest took the balance over the credit limit. Seven times in the past year they have charged me, a XXXX fee. Called them, they said they would credit me XXXX fee. I do not understand how you can make a minimum monthly payment and the card went over the credit limit with no activity on the card.
I was shocked when I reviewed my credit report and found late payment on the dates below : -XX/XX/XXXX-30 Days late- -XX/XX/XXXX - 30 Days late- -XX/XX/XXXX - 30 Days late - -XX/XX/XXXX - 30 Days late- I am not sure how this happened, I believe that I had made my payments to you when I received my statements/bill. My only thought is that my monthly statement did not get to me, and therefore caused me to look at the wrong date. I'm sure I paid ontime during those months. Definitely not 30+ days late.
My XXXX  account shows a " Credit Report Alert '' for a closed Master Card credit card account I had with CITI, Citibank. The alert showed - Amount in h/c column is credit limit, this in the Account Type/Status. The Balance shown is {$920.00}. I contacted Citicards CBNA and followed their instructions to have the item removed from my XXXX  Credit Report. I sent them the information requested in XX/XX/XXXX( XX/XX/XXXX ), they then requested the same information in XX/XX/XXXX. In XX/XX/XXXX( XX/XX/XXXX ) I once again sent them the information they requested to correct this matter. Again they sent me a letter requesting the information, which I received in XX/XX/XXXX.
I have had several problems with my Chase Credit Card XXXX and asked that the account be closed after Chase charged me an annual feel of {$99.00} on XX/XX/XXXX. I sent an e-mail telling them to close the account and to issue the credit. They closed the account but they tell me the credit will not be issued for 2 billing cycles ( 2 months ). I have sent several e-mails telling them to issue the credit but so far, nothing is happening. I can not formally dispute the charge on my account as the account was closed on XX/XX/XXXX. I want the {$99.00} removed and do not want to incur any interest as I'm not going to pay the {$99.00} reflected as a balance on this closed account.
I received what I believe was a scam call from XXXX at XXXX XXXX   on Wednesday, XX/XX/2019. I did not recognize the number. So, I did not take the call. The caller ID on my telephone identified the caller as " American Coradi ''. Later, I realized that there was a voicemail message from the caller on my phone. When I played the message back, I heard a woman 's voice asking me to call a certain phone number in regard to collecting a debt. She also gave a reference number to use when I called back. I have no intention of calling back because I have no debt to be collected. I deleted the message.These are obviously criminals who prey on people, and they should be prosecuted to the fullest extent of the law. Please do that! Thank you!
I consolidated my federal loans with Sallie Mae years ago. When the Public Service Loan Forgiveness became known Sallie Mae told me over the phone my loans would qualify. Then my Sallie Mae became  Navient and Navient told me I don't qualify for the 10 year pay off. I'm XXXX years old, a XXXX XXXX XXXX XXXX XXXX and I spend months arguing with Navient. I don't have time to argue for years with Navient so I transferred those loans to the fed loan system, so I can at least start the payoff. How do I get Sallie Mae or Navient to honor the Public Service Payoff?
COMPLAINT - XXXX XXXX, XXXX RE : Lender refuse to respond or accept mail demand for pay-off and payment history request for my " High Cost '' mortgage loan. Which is preventing me from Refinance for over two ( 2 ) years. 
I have made several complaints since XXXX about this Lender violating my rights under RESPA, TILA, HOEPA and GAFLA. Because the law are strict and I did not file my complaints within 12 months of me receiving the mortgage, XXXX has gotten away with violating the law repeatedly. 
Additionally, when I file my complaint with your office in XXXX prior to the enactment of the new laws, because he was a small lender, you stated a lot of the laws did not apply to him, so he continued to abuse my rights as a consumer. 
See attached document for full complaint with attachments
On  XXXX   XXXX   XXXX , I discovered a collection account at   XXXX   and  XXXX . The original date of the account was  XXXX   XXXX   XXXX .   I have NEVER received any communication from the collection agen cy, State Collection Service, that they had a collection account open for a bill  I owed.   Instead of notifying me about the collection account, so that I could pay the bill in collections in a timely fashion, then after taking no action to contact me regarding the collection account for  FOUR  months, they reported the account to the credit bureaus Now that the collection account is shown on my credit reports, it will hurt my credit rating and will stay on my credit record for a long time.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX   : XXXX  N/A XXXX  : XXXX, XXXX Transunion:XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX  XXXX  : XXXX  Transunion : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX  Transunion : XXXX XXXX XXXX : XXXX XXXX   : XXXX  Transunion : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX.
I have filed a dispute previously and received communication from the company, however, my initial concern, that I did NOT receive notification from company '' prior to this being placed was not discussed in their responds to my dispute. I have not received any calls or voice mails from this company and the letter that they provided never reached me, the address that is on the letter that they have attached to my previous dispute is not a valid address for me, I have also had my mail forwarded so had they placed a correct address, I would probably have received it and would have been able to deal with this accordingly. AGAIN, the address listed on the letter that the company provided on my last dispute, IS NOT a valid address, there is NO LOT number on it, therefor it must not have been placed into a mailbox or forwarded to me. Also I had disputed with the initial company When I vacated the premises concerning the owed rent. I have NOT received any information from them concerning ANY type of fees. How am I supposed to receive ANY information, if THEY have listed an incorrect address. Therefor, I am once again requesting that this be removed from my credit report and that if there is something truly owed, that I be provided with an itemized statement of what is owed so that I can review and either dispute charges or make payment arrangements if I feel that the charges are accurate. I am not trying to get out of my obligation if there is truly an obligation, however, I am requesting that this be removed from my credit as I have never received anything from either company due to their error in placing the correct address and that the process starts fresh with them sending me the itemized list of charges owed. 

I am attaching a copy of the letter that was provided to me with my last dispute that reflects that this is not a correct address.
I made contact to XXXX at Machol and Johannes, LLC on XX/XX/XXXX, at approximately XXXX inquiring about why my bank froze my funds. She had advised that I was served with a writ of garnishment on XX/XX/XXXX, from a debt report by XXXX. She said the writ was served at XXXX in XXXX New Mexico. She insisted that I was served with a signature at XXXX. I advised XXXX that I had vacated the unit in XX/XX/XXXX, and provided her with copies ( via fax on XX/XX/XXXX and by email on XX/XX/XXXX ) of a new lease indicating that I was no longer in the said apartment. She has not returned any form of communication indicating receipt of documents or for any resolution as she said the writ was delivered due to " bad service. '' and that she would have management to review my case. I have provided XXXX with more than sufficient evidence that the writ was not delivered to me personally or to any representing agents that I may have ( to which I have none ). I have informed XXXX that my employment position has been eliminated as of XX/XX/XXXX, and the funds that had been " taken '' from me was allocated to help pay for rent, food, and misc items. I have called and left her voicemails for her to return my call, but she has not once called me back to provide any form of indication regarding my case. My last contact was made on XX/XX/XXXX, with no further contacts. She has been provided with copies of lease agreements that were signed on XX/XX/XXXX which exp on XX/XX/XXXX for an apartment at the same address. BUT also another NEW lease indicating an entirely different address that was signed into an agreement on XX/XX/XXXX, which expired XX/XX/XXXX. These agreements should indicate that I NEVER received any writ of garnishment. 
Since my assets have been frozen, I have n't been able to live sustainably as constant uncertainty with income has become an issue. unsure of where my next meal will come from, and if I 'll be able to pay rent has become a concern. I fear that her lack of response, and with my situation, I might lose my home and be left on the streets. I again have no income as of XX/XX/XXXX. I am awaiting Unemployment Insurance, but that will not suffice to pay rent, food, utilities.
This is regarding my Chase Slate card. I have had this card since XX/XX/XXXX. 

I charged a large amount soon after I got it, for Church donations. 

I made my minimum payments. 

If I missed one, it was never delinquent long and I have been a valuable customer. 

I paid OFF my entire card in XX/XX/XXXX - $ 26K plus, cash. I didn't however know there was still some interest to pay, and I found out shortly after I needed to pay + {$300.00}, which I then did. 

In XXXX I did a balance transfer. That is the first one I ever did. Very shortly after this, my account was closed. I was not notified of this, I tried to use it - it didn't run - so I called and found this out. 

I then called and was a bit shocked. I recently found out about the Executive Office and called then to voice how odd this was. They gave me a case # and said they'd look into it. Today I got a call back that the " resolution '' was that my card would remain closed due to " delinquencies '' and " revolving balances ''. 

The number I called was XXXX. The person who I was dealing with was nice, and I know this is not her fault. 

The delinquencies are minor, and I pay my bills and am an honest person. 

Again, I paid Chase XXXX and then a few months later they close my account. 

The thing that makes me more concerned is that this card has only been used to support my Church. So now I am thinking this has something to do with my religion.

The balance transfer that was done RIGHT before my card was closed, was to my Church.

I am going to continue to look into this until it makes sense. Any help you can provide would be appreciated. 
( I put Chase Slate MC as there was no option for VISA, mine is a VISA )
On all   XXXX   credit reports, ( and this is the second time this has happened to me  ), I am car shopping and they are only supposed to  run it through a maximum of  XXXX  companies and it continues to be ran through multiple agencies until I have a tremendous amount of inquires for several different financial institutions.  XXXX   XXXX  this time and there was a great deal through  XXXX  last time that were never removed. Do n't they have to have permission to send it through that many people?? I did not authorize it and it is ruining the credit I was trying to build. Please let me know.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  F there should be a max of  XXXX  on there. I allowed  XXXX  from  XXXX ,  XXXX  from  XXXX   XXXX  and then I ended up buying a car from   XXXX   XXXX  . How do I fix this???
I have late payments reporting on MY Credit file which has been removed by the following companies XXXX it 's showing XXXX late payment & lt ; should be showing zero & gt ; I made an agreement with the company and they removed all late payments, and its still showing up on my credit report. 
Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type XXXX Status XXXX - Paid Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$2500.00} Term -- XXXX {$0.00} Responsibility XXXX Balance {$0.00} This is the XXXX XXXX XXXX XXXX showing XXXX missed payments which are inaccurate as well. 
XXXX XXXX is showing XXXX missed payments i sent in Goodwill Letter to creditor and they removed all missed payments because i signed up for auto pay. Still reporting on my credit file. 
XXXX XXXX XXXX XXXX, XXXX Open - Current XXXX Missed Payments They also removed all missed and late payments when i signed up for Auto pay along with Goodwill Letter. 
I disputed these accounts and late payments with the credit beareau and they say its a valid debt and when i contacted creditor, they say the info is innaccurate and they dont have any missed or late payments showing which further lets me know that the creditor is validating my debt illegally and falsely.
This is not my account. I never been to XXXX XXXX hospital. 
I have never taken ambulance services. I am contacting the FTC and also filing a law suit for the damages you caused with my credit report
XXXX   XXXX  , Experian, And  XXXX  are Continuing to report misleading information into my credit report.   XXXX   XXXX   attached letter shows my final payment was received  XXXX   XXXX  Experian Credit Report is showing my last payment  XXXX   XXXX  and That I Failed to Pay in  XXXX  and  XXXX   XXXX .
THIS IS NOT A DUPLICATE : I recently submitted complaint XXXX against Loan Care for not forwarding my {$2000.00} ( sent XXXX/XXXX/2016 ) payment to my new servicer XXXX. I found out today that they finally did forward the payment to them, but {$170.00} short. I sent my payment for {$1700.00} with an additional {$200.00} additional principal payment. Today I received a Loan Statement from XXXX showing that they only received {$1700.00} plus {$31.00} additional for principal posted on XXXX/XXXX/2016, almost two months later. Consequently, they have pocketed {$170.00} that should have gone to my principal. They are also applying my principal payment almost 60 days late.
XXXX companies involved XXXX ( accnt # XXXX ) and Dovenmuehle ( accnt # ending in XXXX ) both working under XXXX XXXX XXXX XXXX loan # XXXX. 

My wife and I are both in the military and we are trying to buy / close on a house in the next 30 days but I cant make the offer until I have a letter from XXXX to clear up a problem I did n't create, but I am doing my best to fix. Dovenmeuhle was servcing our loan since the refi XX/XX/XXXX. In XX/XX/XXXX the loan was sold to Lender-live. In spite of multiple attempts to give address corrections to Dovenmuehle since XX/XX/XXXX, Dovenmuehle failed to make corrections to our mailing address and also inform us of the account changes. Even Dovenmuehle sold the loan to XXXX XXXX, they continued to cash our checks. XX/XX/XXXX-XX/XX/XXXX they forwarded our money to XXXX XXXX, however in XX/XX/XXXX they stopped forwarding the money to lender-live, however continued to cash our checks vs returning the checks to our banking institution ( XXXX ). The only reason we became aware of the now 4 months past due amount on this loan for our rental property in XXXX is because we are trying to buy a home here in XXXX since XXXX. Our credit score was in the XXXX 's back in XXXX and now they are at XXXX and we need this black eye removed from our credit ASAP so we can buy this house and get kids in schoolWe have brought the account current by taking XXXX dollars out of our savings because Dovenmuehle refuses to tell us when we will have our money back. XXXX refuses to acknowledge the mix up and provide us a letter to clear the issue up with the ( XXXX ) credit companies. My wife and I own XXXX homes as we have spent the last 20 years in the service to our country and through deployments we still have religiously paid all of our bills through the XXXX bill pay service every month for payment on this property ( XXXX XXXX XXXX XXXX, XXXX XXXX ) and every other property. 

I confident that when you review the attachments outlining the facts, you will see that we are not at fault here and an investigation into this prepdatory lending on all the above named parties in warranted. Its not fair that they are taking advantage of us in this fashion when we have earned our income fighting for this country and paid our bills! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX need a letter signed and emailed to me ASAP that outlines that the pastdue amount has been brought current on this account on XX/XX/XXXX and anyreference to late payments or past due amounts removed from my credit filecompletely. I need this for both me and my wifes credit ( XXXX # XXXX XXXX ) School is getting ready to start and I need to get my family moved.
I was trying to get pre approved for a mortgage and saw a collection from CBNA in the amount of XXXX with no description of what is was in reference to and I 'd never seen this before and was never contacted in the past to settle this debt. The only contact info was PO Box and claim #
My Bank of America ( BOA ) checking account and BOA credit card was hacked for {$10000.00}. According to BOA, a criminal, most likely assisted by BOA employee ( s ) joined my account using the BOA website. The next day, a criminal went to a local BOA and over withdrew the funds from my checking account. The overage was charged to my credit card. Upon getting my regular BOA monthly credit card bill, I contacted BOA and they issued a refund. NOW I 'M UNABLE TO OPEN AN ACCOUNT AT XXXX DUE TO SUSPECTED FRAUD ACTIVITY BY ME ON THE XXXX REPORT.
This debt does not belong to me. Contact with company yielded negative results .Would like it removed from credit report.