WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm having a serious problem with Bridgecrest Acceptance Corporation XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. In XXXX XXXX I purchased a automobile from XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, VA XXXX in XXXX XXXX, my car payments come directly out of my bank account, I never been late nor missed a payment. Now there 's a problem. I called all three credit bureaus, XXXX, XXXX  and XXXX, to find out have Bridgecrest called the credit bureaus to update my credit history, Bridgecrest have not called the credit bureaus. I have been paying on a automobile from XXXX for 14 months and have not to update my credit history. I called XXXX several times, same results, Bridgecrest Acceptance Corporation does not show on your report. I called XXXX several times, same results, Bridgecrest Acceptance Corporation does not show on your credit report. Now I called XXXX several times, different results but very alarming. Bridgecrest show up in my XXXX credit report. Now I called Bridgecrest a dozen times, to let them know that they 're not showing up in my credit report and that they have not been calling the credit bureaus to update my credit history, they keep telling me that they have been calling, well I let them know that I have talked with all three credit bureaus and they do not show up in my credit report, so a Bridgecrest representative and the manager of the credit department kept telling me to just call the credit bureaus back and ask for the supervisor, for XXXX and XXXX, not only that for some odd reason a Bridgecrest representative kept asking me to mail them my credit that I recently received in the mail. Now for XXXX, I was told by Bridgecrest credit department and more than one customer service representative, that they have not been reporting and up dating my credit history to XXXX, the reason being because XXXX have a block or lock protecting my credit report, I have to call XXXX to ask them to remove that block or lock, that 's the reason why they have not been calling XXXX to update my credit history.? So if Bridgecrest admitted that they never called XXXX to update my credit history, so how 's Bridgecrest showing up on my credit report if they never called XXXX and how XXXX getting these monthly updates? For some odd reason Bridgecrest Acceptance Corporation are avoiding and evading to call XXXX, XXXX and XXXX to update my credit history. They refuse to call the credit bureaus, why? There in violation of the Fair Credit Reporting Act. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX ( XXXXXXXX ). XXXX
My name is XXXX XXXX. I am looking for someone who can help my mother file a suit against Ocwen Financial for predatory lending practices, ideally on a contingency basis. My mother is a victim of predatory lending practices from Ocwen Financial Corporation. I am trying to find a way to help her save her home and help her get some restitution for the strain Ocwen has put on her health and life in general. I have been trying to do some research on this company and there has been many claims of predatory lending practices. 

The practices of the company forced my mother into foreclosure. Once I found out about what was going on, I was able to help get her a PA HEMAP loan ( where Ocwen received a payment of XXXX from the state ) in 2013 to bring the mortgage current. Part of the HEMAP program was that Ocwen had to sign a reinstatement agreement which had an agreed upon monthly escrow ( {$81.00} ) and principle/interest ( {$510.00} ) amount. Everything was fine for two months or so but then Ocwen starting using the same practices that put her in that situation in the first place. Things like charging her for property taxes when we have documentation that they were paid to the city, charging her for homeowners insurance when she was already paying insurance on her own, and sending her checks back when she would pay the correct amount due. Her monthly payments ( fees included ) was supposed to be {$590.00}. It exploded to over {$800.00} dollars due to the escrow shooting up to $ XXXX.Because of this she was charged constant late charges. Even though she was sending in the correct amount due, they would not apply it to her account. Eventually this kept adding up into insurmountable amounts. I believe this is a violation of the " Truth In Lending Act '' and the " Pennsylvania Unfair Trade Practices and Consumer Protection Law ''. Additionally I think it is a clear breach of the Reinstatement Agreement that they signed with the HEMAP re-modification. 
My mother is on a fixed income from her XXXX. I had her call the save your home hotline and public legal services but they just want her to do another loan modification ( I believe it is HAMP ). This modification says she would have to pay a balloon payment of XXXX after paying XXXX over 20 years. My mother has already paid the value of the house and then some. No one is addressing the root of the problem ... which is that these practices leading to my mother being charges arbitrary and unsubstantiated fees ( on a fixed mortgage ) and therefore causing her to go to default. Over and over. I was hoping you can direct to some legal ramification to stop the predatory lending because I know she does n't want to give up her home. Really it is all that she has. What she really want is to invalidate the loan completely and receive damages for all the payments she has made and what constantly battling with this company has done to her health. Thanks in advance for any help you may be able to provide.
Bank : Bank of America Account type : credit card account # ending with XXXX. 

XX/XX/2018 1. Payment due date : XXXX of each month. 
2. I initiated a payment of {$670.00} on the XXXX of XXXX as I forgot to make the payment on the XXXX of the month. 
3. Bank charged me {$25.00} on XX/XX/XXXX for making a late payment. 
And an interest charge of {$6.00} on XX/XX/XXXX ( which was later removed after I made a phone call request to the customer rep ). 
4. No email or text or phone call alert system to alert the customer of the late fee and interest posted on the account. 

XX/XX/2018 1. I initiated a payment of {$330.00} on the XXXX of XXXX as I forgot to make the payment on the XXXX of the month. 
2. Bank charged me {$31.00} on the same day for making a late payment. 
And an interest charge of {$2.00} on XX/XX/XXXX ( which was later removed after I made a phone call request to the customer rep ). 
3. No email or text or phone call alert system to alert the customer of the late fee posted on the account. 

Inquiry call : XX/XX/XXXX Bank customer rep denied the request to waive the late payment charges. 
She informed me that the Bank doesn't inform the customer whenever a late fee or interest money is charged to the customer account. 
The only way to find out is if the customer goes online or make a phone call and inquire about the transactions. 

As a customer, I feel this is a predatory policy of the bank that they are not courteous enough to alert the customer if they are being charged such fee. As a matter of fact, the online account has no option for if a customer wants to be notified by the bank when aforementioned fee are posted on the account. 
So, unless that customer goes back and check their statements thoroughly they could be paying late fee and interest charges even though they have paid off balances.
I graduated from XXXX XXXX XXXX XXXX, 2015. The lender is aware of this. They now say I am 3months overdue. I have a 6th month grace period after graduating. They refuse to address this. I have had the same problem with this lender over the years. They did the same thing when I got my XXXX. Last summer, they did the same thing, even thought I was still enrolled in y graduate program. They never address the issue.
Navient student loans is making it next to impossible to receive an income based repayment plan. I have tried several times over the past 5 months to properly enroll in the plan. They seem to have excuses each time I speak to them about why something was n't done. I requested hard paperwork be sent to my address twice. Each time, I was told the mail was " returned '' and that I should just do it electronically, anyway. I sent it via internet and was told it was n't received. Every time I spoke with someone, it seemed I could n't get straight answers out of them regarding how I should properly submit the income based plan. I finally mailed it in via certified mail. I was told I would receive an email on their decision a week ago and still have n't gotten that email. I fully believe NAVIENT knows exactly what they 're doing to make it difficult for people to pay back their loans in an affordable manner.
Hello, I bank with TD Bank. 
I made a mobile deposit on the amount of, {$1100.00}, the check deposited It was from XXXX XXXX, back in XXXX last year, The check cleared on my account but after six months td bank took the funds out of my account and told me that the reason why is because the check was deposit twice, When in reality I only deposit one time through the app. I try to fix this issue with TD bank, But unfortunately it was unsuccessful so without no options I decided to do a police report which I have attach here, td Bank did absolutely nothing to resolve the issue, they closed my account and report me for the Credit bureau. It is affecting me tremendously, Im trying to follow up with a detective but shes also not communicating with me, Im really frustrated, and I need help as soon as possible. 

Thank you!!!
On Friday, XX/XX/2018 a woman named XXXX XXXX ( Local Data Recovery/XXXX XXXX, not sure which one she works for she says one thing and then it shows on my bank as another name ) contacted my mother and told her that her company was going to be filing a legal suit against me for defrauding a bank and that if I didn't contact her by XXXX she was going downtown. My mom texted me her number, and I called. She was calling to collect on a valid account I do owe, she told me the sum was $ 900+ dollars and they were willing to settle, however if I didn't pay ASAP she would be going downtown. I paid {$190.00} on Friday and agreed to pay another {$190.00} in a couple weeks. On Sunday I decided to run my credit report, because I regularly run my report because I'm trying to fix my credit to buy my mom and me a house. Over the summer I had talked to another company, XXXX XXXX, about the same account for XXXX XXXX, and I know debt companies often sell the debt to other companies, but the company I talked to over the summer was still reporting the account, and I thought that was odd. I called them on Monday and asked them if they'd sold my debt to another company and they told me no, that in fact it was still valid with them and that XXXX might have been running a scam. I canceled my debit card to make sure that no money would be taken out without my permission, especially if this was a scam -- which I believe it to be. I called them Monday ( XXXX-18/yesterday ) and spent an hour on the phone with them, trying to figure out why they were reporting the same account for almost triple the amount, the woman was rude telling me that companies buy and sell debt all the time, which I already knew. I mentioned to her that I believe her company to be a possible scam and she replied 'a scam is something you don't know about, you know about this debt '. I would like this company to stop all further contact with me and refund the money they stole. My bank is already disputing the transaction with the company to refund my money. I find it unbelievable that two companies would report two the exact same debt at different amounts. I've never been in this situation so I really have no idea what to do. 

I do have a document I signed, however I am unable to currently attach it ( using my work computer to submit this and we can't use XXXX ).
I have had nothing but problems with usaa. I guess it was because I am friends and family and not linage to the military that usaa wants to treat me like dirt. I have had nothing but issues since someone stole my check book and made so fraudulent purchases. I have been in contact with usaa since and it has been such a terrible process. Then XXXX wanted to cause some problems by wanting to process a payment out of an old checking account listed with them generating two {$29.00} NSF fee 's. I never got communication that those fee 's were on there until I signed on line and seen that every dime I had in my other two accounts had been taken by usaa and suspended pending charges they assessed to be paid. When I spoke to a representative she stated sorry you have to pay the fee 's regardless or your membership will be terminated with usaa. Both my gradfathers served in XXXX and XXXX from the military and this is how I am treated. XXXX XXXX treats veterans families better. I got in to usaa when they opened everything up to friends and family and I feel like it has been discrimination from the beginning and that they treat everyone that does not qualify for full membership differently because of the stupid lineage clause. MY mom hates your company and did n't want anything to do with USAA for a reason and now I see why. So could n't qualify for full membership because she did n't want anything to do with yall. I am not sure how that is fair. But regardless I will file suit over discrimination because I am a XXXX mother and this incident was not my fault and yall have reported it to collections unfairly and It has caused my score decrease and everything.
Ladies and Gentlemen, I have 2 credit cards issued by Bank of America with credit limits of {$2500.00} and {$13000.00}. the second card i have for the past 16 years and must have transacted several 100T USd on this account over these years and been paying regularly.

I have a XXXX  issue in the past couple of months but i was paying the minimum amount due every month and unfortunately i missed 1 payment on one of the accounts for $ XXXX  and 2 payments of XXXX for the first account which was not intentional and unfortunately they blocked my ability to pay it on line when i have funds and instead they were presenting cheques to my account.

They cancelled my card with credit of {$2500.00} in the first week of XXXX  and inspite of getting a payment from me for the second card on XXXX of XXXX for {$250.00} they cancelled my card with limit of {$13000.00} on XXXX of XXXX.

By cancelling these cards, my credit scores are heavily impacted and hence i request you to kindly reinstate these cards though i am not using it and only make minimum payments. I am also trying to at least get this down to 50 % in the next months expecting some long due payments to me.

Another problem is that i am unable to make payments directly as i was doing for many years and you are debiting my account by cheque on due dates. I am sometimes aware of this only after the cheque is returned and then i try to go on line and make the payment, i dont have access to it. I have to again call BOA and make the payment and hence please reinstate my ability to be able to make the payments directly by bank transfer. This way i can make payments whenever i have excess cash in my bank account.

I am a BOA customer for the past 17 years and for missing a minimum payment i dont disserve cancellation of my credit accounts. I have been paying regularly except in the near past.

I am willing to clear the past due amounts in my account and also make the payments on time on both these accounts going forward however i want the credits on these accounts reinstated or a new card issued me with the same credit levels that it does nto impact my credit scores XXXX XXXX :
Lease terminated XXXX, XXXX, two months early, very low mileage. {XXXX} excess wear and tear charged and an unauthorized charge of XXXX for " Sale Expense ''. Called XXXX ( 3rd phone contact ) and they waived ( deducted ) XXXX  and stated XXXX} would cover the entire bill. ( XXXX, employee # XXXX, lease recovery department ). I sent in the {XXXX} with the knowledge they would return my XXXX} check - but they cashed the XXXX immediately after the call. 

Return calls are always unproductive " because you are not authorized to talk about your daughter 's account '' - my daughter has authorized them to talk to me on four occasions. GM Financial routinely loses records of prior conversations. 

I noticed they actually did not deduct the charges, but cashed my check for XXXX. Since then they refuse to talk to me " because I am not authorized ''. My daughter works in a hospital and has limited access to her phone during business hours ; she has called them four times and authorized me to speak to them about the account. They always deny that they have authorization. 

They tricked me into paying XXXX in exchange for a {XXXX} rebate, then declined to give me the {XXXX rebate.
Joined the financial program to settled for payments of all the credit cards 5 yrs ago and completed all the settlements by paying them little by little. I thought its all done and settled until one of my credit card claims I still owe them causing that particular credit card ding my credit score.
Kay Jewelers is calling me and my co account holder multiple times an hour from  XXXX  from different numbers from different locations in the country.
Transfinancial can not be verified properly. The company that hired this company, XXXX, should have billed my insurance company and failed to do so. My insurance company paid for the XXXX visit. The failure of XXXX to get paid is their own doing. 
The Date Opened on my credit report is listed as XXXX, which is incorrect. The date opened according to FCRA should be XXXX XXXX. Thus, this should be removed from my credit report according to the FCRA. 
Lastly, I never received a bill from XXXX XXXX or Transfinancial. Per my discussion with them in XXXX XXXX after viewing my credit report, they asked me for an address because they did not have one on file. They admitted they were mailing to an XXXX address. However, I was a resident in XXXX the entire time in question. 

The attached documents clearly show that the hospital was paid. Therefore, if the XXXX company had done its proper due diligence, they could have been paid as well. Thus, TransFinancial did not perform proper due diligence to verify the legitimacy of this debt.
I consolidated my loans a couple of weeks ago. I talked to Department of Education several times last week and they stated that I owed nothing to them, and they received a payment the end of  XX/XX/XXXX . I am no longer in default. You would think that would be wonderful, so I just received a call from the mortgage company stating that I was denied for the loan due to Department of Education stating that I owe them {$1.00} which they ust placed on my credit reports it took my score down  XXXX  points. Mind you NAVIENT was suppose to pay off EVERYTHING so how did a  XXXX  slip thru the cracks How are they allowed to keep   XXXX   my life up I did my part they go paid and still causing me grief they they are making extra remarks on my report. It the balance is paid just say PAID not pad was delinquent nobody cares if was delinquent that just want it paid.I am so furious a  XX/XX/XXXX  really. I called  Navient  they stated that I did n't owe them anything. PLEASE PLEASE HAVE THEM CORRECT THIS. I OWE NOTHING TO THE DEPRTMENT OF EDUCTION SOMEBODY   XXXX   XXXX  , and I am paying for it
In 2011 I spent about a month in XXXX XXXX in XXXX XXXX XXXX. They operated to relieve a problem with my XXXX XXXXMy hospital and doctor bills were paid by XXXX and XXXX. 
XXXX XXXX XXXX was XXXX of the doctors who attended me during my stay. 
I recently found out that XXXX XXXX claims that I owe him {$5000.00} and he has placed me in collection. 
I do not see how this can be. XXXX XXXX and all the others were paid by XXXX and XXXX
Received offer for {$6000.00} Line of credit @ 0 % interest for 18 months. 3 % Balance transfer. None of my transfers are going through because none of my transfers are being paid. However my balance on my transferred account is showing only {$900.00} is available at this time even though the account was originally {$6000.00} This is the work of WELLSFARGO.
I pay my mortgage with direct withdrawal from a bank account with the same bank, Suntrust, that owns my mortgage loan. My payment is a little over {$900.00} a month and I pay {$1100.00} XXXX a month ( I just raised the amount to XXXX from XXXX ) with the additional amount put toward my principal. I have specified multiple times ( verbally and in writing ) that this amount was to be put toward my principal. Several months into paying my mortgage, I started receiving a " Prepayment Notice '' telling me they were applying this extra money to my mortgage payment and not to my principal and that now I did n't need to pay my mortgage for XXXX months. The prepayment notice includes the following phrase : " In accordance with Suntrust policy, any amount received over the minimum monthly payment, may be applied to your principal balance. '' The verb " may '' is of course used here to indicate that early principal repayment is possible, though has not been done in this case - even though I have repeatedly asked that it be done and it was being done. I visited the bank after receiving the first of these notices and a banking representative discussed the situation with the " Exception Payment Processing Department '' to again let them know that I am not prepaying my mortgage, but rather prepaying my principal. Instead of correcting the problem, I now have received another of these Prepayment Notices which indicates that Suntrust is not applying my extra payments to my principal and has not been doing so for long enough to have amounted to full prepayment of XXXX - XXXX entire mortgage payments. This is stealing. Can you please help me and the many others who have had this problem?
I have an account with Equifax that was removed and has returned. 

XXXX : removed on XX/XX/2016 XXXX XXXX XXXX
I opened a checking account at Chase in XX/XX/XXXX and have had regular direct deposit going into the account. On XX/XX/XXXX I deposited a {$200.00} check from what I thought was from my other account from a different bank but I realized within a hour it was from a closed account from that bank and not my current account but since it was after banking hours late that night ( XX/XX/XXXX ) I contacted chase the next morning informing them that I deposited a check from a closed account ( I never withdrew any funds after the deposit ) Chase told me it would just be returned and I would be charged {$12.00} fee, on XX/XX/XXXX the check was returned and my account was closed without any notification or opportunity to correct the situation even after I contacted them the next morning letting them know it was a mistake and trying stop the payment. I need my bank account and wasn't trying to do any fraudulent activity. I would appreciate it if you all could rectify this situation.
In the past, I have received debt collection notices from other debt collectors for XXXX XXXX, which is missing a letter from my name although they are similar so I keep receiving this person 's debt collection notices. In the past companies have disclosed that my SSN is one number different than the individual in question. In the past, the debt collection was from XXXX and CFPB helped with resolving the issue because the company was still sending notices after I disputed it. Now I receive another letter from Linebarger Goggan Blair & Sampson, LLP regarding unpaid tolls and penalties that are owed to the XXXX XXXX XXXX XXXX. I keep receiving debt collection notices regarding this XXXX XXXX, who is not me. This letter has a reference # XXXX and account # XXXX. The debt collection amount is {$100.00}. I would like to resolve this issue and stop receiving debt collection notices for another person debt. This has affected my credit in the past and as a service member, I need to ensure my credit is good. I have called the number on this letter and the man did not help and just I had to dispute it with proof, but I can't provide that without disclosing my personal information like SSN.