WillisBack/dataset-financial-user-claim huggingface dataset:
I will attach letter of complaint sent certified return recite to XXXX. 

I have sent several letters that have gone unanswered to XXXX. 
overcharging bi monthly fees, and other random fees. late payment and late fees. 
contract states electronic draw monthly. I have no control over this. 
I have never made any payment ever late. 
I have simply asked for the return of all {$7.00}, {$10.00}, and {$30.00} overage fees and any regarding late payments be refunded. 
this has gone on for several years, XXXX never replys in writing, always on phone and the people on the phone have no idea of my account. this is a collection company. 
My credit is perfict and i would prefer to keep it that way. 
I have always made extra principal payments and paid before loan was due. 

Thank You, XXXX XXXX
I have a car lease with XXXX XXXX XXXX XXXX. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.
all XXXX cr bu are reporting bankruptcy in 2006, this was dismiss, i was never in bankruptcy.
I bought kitchen backsplash tile from Lowes on XXXX/XXXX/2016 and had it installed on XXXX/XXXX/2016 by a subcontracting company called XXXX XXXX. The job was botched and confirmed by XXXX XXXX. The company offered to fix the job but I wanted a full refund. I 've been following the formal complaint procedures for 2 months and still do n't have a refund of {$1800.00} against my Lowes credit card.
Contacted both Equifax and XXXX regarding an account that has been closed since XX/XX/XXXX but is still showing as open. When contacting these agencies, I received conflicting responses regarding the account. The account has been closed per XXXX XXXX since XXXX. It is a XXXX XXXX XXXX account with a credit limit of {$2000.00}, opened by my wife, XXXX XXXX XXXX for which I am an authorized user. I was told that there is activity in XXXX, which is impossible, as we no longer shop at XXXX XXXX XXXX, etc. 
There is a {$0.00} balance on the account since XX/XX/XXXX. The account is not show open under her credit file. 

Please assist is having the account marked closed. 

XXXX XXXX XXXX
My mortgage servicing company has repeatedly given me inaccurate information in regards to my mortgage loan servicing and loan modification package documentation. I contacted my servicing company when I fell behind on my mortgage payments. They set up an outlined repayment plan, and then waited 20 days to send a letter of acceptance which was 2 weeks past the due date of any payment plan down payment, so I missed the date and the subsequently, the plan was denied. I called back a second time to set it up again, and the CS rep miscalculated the repayment options, and then it was denied again. They then told me to submit a full modification package to see if maybe the modification would be accepted, but continue to be missing documentation and my loan is now in foreclosure. 
I have had the loan modified previously, and was unaware that they could not charge me a modification fee, but going through paperwork ... I was charges {$900.00} to modify the loan along with thousands of dollars worth of " misc fees ''. I also have several years worth of loan documents that are not currently available on my loan from its beginning ; 5 years of statements, payments, and tax records that can not be accounted for, as well as current years taxes and insurance bills that have not been paid and kept current. I have been billed by my local tax authority as well as my mortgage insurance company for monies due that should be paid from my escrow account.
I have sent Convergent Outsourcing Inc. multiple validation of debt letters which have been ignored. I expressively stated I wish only to work with my original creditor. This has been ongoing for months. Today I am going to my town hall to get my 4th validation letter notarized and sending it to this creditor in a final attempt for them to cease and desist. I will provide any and all information the CFPB that is deemed necessary. I do hope you will help me stop this collection agency 's disregard for my rights and requests. They are damaging my credit that I have worked very hard for. Despite my efforts requesting they Cease and Desist they are reporting to the credit bureaus still as of today.
SPECIALIZED LOAN SERVICING has changed the terms of my HELOC, choosing to sell my personal information to non-affiliates. SLS declares that our Total Monthly Payment is roughly {$52.00} per month, for XXXX it is {$52.00}. When SLS assumed control of of our HELOC XXXX XXXX, 2015, I called to discuss my loan terms. I stated that we would send the monthly payment they required by mail, but I did not want a continued ACH draft against our checking account. I also disputed their freedom to share my personal information with non-affiliates. 

My bank is unable to determine which institution is drawing {$100.00} per month, and offered to charge-back the ACH which has occurred XXXX times. SLS now asserts their right to those funds, issuing a Mortgage Delinquency Notice on XXXX/XXXX/15. 

I recognize my indebtedness to SLS, but find their threats to adversely impact my refinance process to be reprehensible. Their report of a Mortgage Deficiency already appears to have impacted our credit score. 

I sought opportunity to refinance my mortgage and HELOC with XXXX to no avail. XXXX assigned XXXX ( XXXX XXXX XXXX ) to service my HELOC in the past. None of their past phone numbers are functional, and SLS provides only a contact with XXXX Bank, which has no information on my HELOC or any other account. 

I have asserted my intent to pay off the debt that SLS claims through a refinance. SLS 's actions threaten to accelerate payments or demand payment in full on the HELOC. They reject the possibility of refinancing just the HELOC. A neighbor succeeded in accomplishing this with a different servicer, so I know it is possible.
XXXX XXXX XXXX just put a collection on my credit report without sending me a notice of the debt. If I had received a notice I would have paid it! I take very good care of my credit and monitor it daily. Im a veteran and make sure all my bills are paid.

I called them and advised them and offered to settle it but I want it removed since they did not follow procedure. They were very rude & hung up on me.

How is it ok for them to just whatever they want one someones credit report and then treat you badly when you call in to take care of it!
I have sent many letters to Experian over the last 4 months asking them to delete the information i requested from my credit reports UNLESS they could verify they were mine. They have sent me back my credit report stating they verified the information yet sent me back no paperwork. According to the FCRA if they cant really verify the information they have to remove the information.
This account was opened in XXXX and is still reappearing on my credit report. Please remove this Auto Loan from  credit report. Thank you. 
Unfortunately, I do not have any documentation and/or billing statements and receipts at this time. 



XXXX XXXX XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeAuto Lease ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$15000.00} Highest Balance {$0.00} Terms NA On Record UntilXX/XX/XXXX
I have a bank of america creditcard and make the payments through their system. I set up a payment for the due date and from my XXXX XXXX checking account which they have on file and I have made the payments the same way for months. 

Today I tried to order an XXXX for myson and was declined. Turns out my bank of america credit card was declined. I tried to log in to my online account and it said I did not make a payment and was past due. I checked to the details of the account and said my payment was returned from my bank. 

Before I called Bank of America. I called and looked at my XXXX XXXX checking. Both by phone and by online I confirmed that I have an average daily balance of XXXX dollars and that bank of america never tried to debit any money frommy account. 

I called bank of america and they told me that if I had another account. I said I had a checking account that closed that they also had on file. But does not make sense I disabled that account and have always paid with the current account for well over a year. 

I got them to remove the late fee but they do not want to remove the late credit reporting. It was not my fault. It was there error. I never set up a payment with a closed account. In addition, they never notified me of what happened. How or why they tried to withdraw funds from an account I do not use is beyond me. I have made all my payments with the account they have on file ending in XXXX. 

They said they would investigate and send me a letter. What 's there to investigate. They know I made my payment with the active account. They had a system issue and they trying to ruin my credit by not acknowledging their error and fixing it. 

I want the late credit reporting removed. I made my payment on time its was there error not mine.
Bank : XXXX XXXX XXXX via Synchrony Bank Purchased a XXXX XXXX XXXX on XX/XX/XXXX for {$810.00} to be financed interest free for 24 months. 
Bought a XXXX XXXX for the XXXX XXXX on XX/XX/XXXX for {$25.00}. 
I made first payment of {$40.00} ( req minimum payment was {$34.00} ) Paid XX/XX/XXXX Due XX/XX/XXXX. 
XX/XX/XXXX statement shows XX/XX/XXXX purchase of case. States Min payment due was {$35.00} due XX/XX/XXXX. I paid {$40.00} again on XX/XX/XXXX. On XX/XX/XXXX, I was assessed a {$2.00} minimum interest fee. 
- I thought by law they had to allocate the payment to the most recent due debt to minimize interest? 
- There was no disclosure that I had to pay {$34.00} + the purchase amount of {$25.00} in order to avoid interest. ( Or I would have! ) After two attempts at their " chat '' service and about 45 minutes, I was able to get the charge reversed ( all be it they said it would take three days to reflect o my account. )
I had a unpaid debt show up on my personal credit report that is not something I owe. It was filed by SEQUIUM ASSET SOLUTIONS , LLC in the amount of {$920.00}. It was reported by XXXX. In contacting SEQUIUM ASSET SOLUTIONS , LLC they say it is under another person 's name so they will not speak with me. This debt on my credit report has lowered my credit score substantially and cause me serious financial damage. It was put on my credit report starting XX/XX/XXXX and I have already lost over $ 100K as a result.
I recently ordered my credit report from Equifax and noticed a number of unauthorized enquiries.There were enquiries from 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 I called and spoke to a representative who advised me that nothing can be done.Iam therefore reaching out to this entity to do an investigation because I would like these enquiries removed .TY
I have submitted several complaints to all three credit bureaus, the CFPB, the BBB of Michigan and the original creditor in regards to an ongoing dispute. Please see complaint below : I originally purchased a vehicle for a XXXX lease on XXXX. Once the XXXX lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$900.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees ( disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XXXX ( I had purchased another vehicle several days prior ) I was also informed at the dealership upon returning, that if there were any additional fees that were not covered by my initial down payment that I would be billed. 
1 year later, I checked my credit report and the finance company, XXXX XXXX XXXX has recorded a charge off amount of $ XXXX a monthly payment of {$78.00} on my on all three credit files XXXX XXXX XXXX XXXX XXXX Transunion XXXX. 
My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XXXX/XXXX/XXXX, this company was paid a total of {$7000.00} from XXXX to XXXX. This vehicle was returned on time with no additional monies owed. In addition, per the lease agreement ( see attached ), the total payments paid at the end of the lease was to be {$4800.00}. Therefore, this lease agreement has been paid in full per the documentation provided. 
Furthermore, I contacted the company in XXXX XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. I am requesting VALIDATION of this account. This means that the creditor is to send me a complete payment history to show that a payment is actually owed. 
I have sent complaints to all three credit bureaus, the Consumer Financial Protection Bureau, and the creditor with on success. Please look into this matter and verify the account as being falsely reported. 

In addition, I have only received handwritten/typed account information stating what is owed. This is not proper VALIDATION, as this information can be from any one of their current or previous customer 's information. XXXX XXXX as also sent back dated emails with previous amount owed. See all attached documents. 
Thanks, XXXX XXXX XXXX
I had been paying on time every month for my credit account with CARECREDIT/SYNCHRONY BANK. I had made a final payment of {$78.00} to pay off the balance prior to the beginning of the new year on XXXX/XXXX/XXXX. I received a confirmation number and thought I was done with the bill. I received a bill on XXXX/XXXX/XXXX in the mail stating I now owe {$260.00} and that I missed payments for XX/XX/XXXX and XX/XX/XXXX, so my account is in default. The company returned my payment the same day I paid electronically, and they had given me a confirmation number of my payment! They never notified me that the payment was returned and waited for two months before telling me the bill was never paid. I tried solving this with them and called customer service where I was told I was speaking with a manager named " XXXX XXXX ''. He refused to make a case ID or give me any info about his employee ID and was very rude. He would not tell me why the payment was returned and why I was never contacted, only that I had to pay the late fees and that because my payment was not before XXXX/XXXX/XXXX I had to pay all the interest that had accrued during the promotional balance. I did some research and see that this credit lender has done this before to people. The company actually lost a law suit not too long ago, where it had to pay back the money it scammed from people, and restructured under a new name. Please help me as I made the payment on time as I always had, and they even gave me a confirmation number that I made it. They then returned it and did not notify me in any way, nor did they contact me that I was past due until they sent a letter which I received on XXXX/XXXX/XXXX. They are obviously doing what this company has done before.
A collection agency listed on my credit report as XXXX is reporting to my credit AGAIN. It has been previously removed because it was deemed not to be mine. Company could not verify any of my personal information when contacted.
On or about XXXX XXXX, 2016, we applied for a mortgage with PNC Mortgage for the purchase of a condominium in XXXX, PA. Previously, we had been pre-approved by PNC. PNC knew from the very beginning of the application process that we were purchasing a condominium. We obtained a locked in, fixed rate of 3.75 %. We received numerous documents during the process reflecting that same locked in, fixed rate. The agreement called for a closing date of XXXX XXXX, 2016, time being of the essence. On or about XXXX XXXX, 2016 -- one week before closing -- we were informed by telephone that our interest rate had increased from 3.75 % to 3.875 %. The person who phoned - XXXX XXXX - was not aware of the reason for the increase. When we inquired of the loan officer, XXXX XXXX, we were advised that the underwriters ( who are employees of PNC ) determined that our condominium was " unwarrantable '' because of a slip and fall claim against the Condo Association, this despite the fact that PNC was aware and had confirmed that the Condo Association had coverage of XXXX for the claim. We were never advised, orally or in writing, at the time of application or any time throughout the process, that our so-called locked in, fixed interest rate was subject to increase. The loan officer stated to us that he realized the claim would never reach the condo owners, but it was the decision of the underwriters. He alluded to the fact that this happened often with condominums. Yet, he never felt the need to warn us ahead of time that this was a possibility. It was represented to us by his manager that he is a very experienced loan officer. Therefore, we believe he should have known and should have warned us at the start of the process. 
The explanation and justification of the condo being " unwarrantable '' is dubious at best, and deceptive at worst. We believe it was a convenient way for PNC to increase our interest rate and monthly payment. Although the payment increased by only {$26.00} per month, over the course of the 15 year loan, that would add up to {$4700.00}. Because of the delay caused by our need to process this information, we had to ask the Sellers for a delay in the closing. Fortunately, we were able to close on XXXX XXXX, 2016. 
We believe we are entitled to a reduction in the interest rate to 3.75 % and a refund of {$26.00} per month until this matter is resolved.
On or about XX/XX/2017 I notified Bank of America about fraud on my account, XXXX XXXX XXXX XXXX Bank of America claimed that the charges were valid because of an inconsistency, that the card that was reported was used was the AU card and not the primary card holder. 

Despite numerous, calls and letters Bank of America has not provided documentary evidence to support their claim. I asked for receipts from the merchants but BOA refused to provide them.
I obtained a cop of my credit report and noticed unauthorized inquiries i immediately called the three reporting agencies they all gave me the run around even going as far as saying i was lying and implying it was me i wrote letters to all three bureaus ( XX/XX/2018 ) only to not get a response and i still call to no avail at this point im just tired of being on hold for some rude person having a bad day to question about calling in.
We are trying to get a payoff demand on behalf of a dead seller 's wife. The court has ordered the wife to be the owner of this property. I have provided a copy of the authorization signed by the wife, a copy of the Death Cert and a copy of the Court Docs to Bank of America. ( All attached ) BAC is absolutely refusing to provide a payoff demand. 


*****This property has equity. We have a buyer who has been waiting to close escrow. This is NOT a short sale and BANK OF AMERICA WILL BE GETTING A *FULL* PAYOFF. 

XXXX Bank of America is DEFRAUDING THIS ELDERLY WOMAN OUT OF THE EQUITY OF HER OWN HOME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Citi was running an account opening promotion for new customers from XX/XX/2018 - XX/XX/2018. Eligible new customers ( which I am one )  were to receive a {$400.00} account opening bonus by XX/XX/2018 if they met the following requirements : 1. Open a new checking and savings account in the Citibank Account Package between XX/XX/18-XX/XX/18. 

2. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 

3. Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 

4. Get {$400.00} deposited to your account! 

I opened two Citi accounts on XX/XX/2018 : a Regular Checking and Citi Savings accounts. The Citi Savings account was funded with {$200.00} on XX/XX/2018 and the Regular Checking account was funded with {$15000.00} on XX/XX/2018. I maintained the {$15000.00} balance in the Regular Checking longer than the required 60 days. The balance in the Citi Savings account remains unchanged at {$200.00}. 

According to the terms and conditions of the bonus offer, I should have received the bonus by XX/XX/2018 : If you are an Eligible Customer, enroll in the {$400.00} Checking and Savings Offer, and fulfill required activities ( see required activities below ), you can earn a {$400.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all offer requirements. 

Make a deposit of {$15000.00} or more in New-to-Citibank funds as explained below into the new Eligible Checking Account and new Eligible Citi Savings Account, and maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days following the date when you made the {$15000.00} deposit. PLEASE NOTE : To meet the {$15000.00} requirement, a minimum of {$1500.00} must be deposited into the new Eligible Checking Account and a minimum of {$100.00} must be deposited into the Eligible Citi Savings Account. The remaining balance requirement may be deposited into either the Eligible Checking Account or Eligible Citi Savings Account.

I have contacted Citi three separate times since XX/XX/2018 and still have not received my bonus, which Citi has  confirmed I am eligible to receive. They have given me a reference number for my case, which remains unresolved. Ref # XXXX.
Company Name : IQ Data Manager name as she stated. XXXX XXXX I had been working with an agent here in regards to the debt. Over time, she would call monthly to schedule a payment. There was a month, I was unable to make a payment, but I still was able to pay it when the company withdrew the funds out of my account unknowingly after I had communicated with them. I contacted the company about it and I was rudely disrespected by an agent who hung up the phone on me the first time. I was so shocked because I wasnt treated that way by the first agent. If this is all recorded, they should have proof. On XX/XX/XXXX, I I contacted the depth collector myself as I usually do discuss arrangements about paying my debt. I spoke with a young lady who later transferred me to a manager because I had a question. The initial first time in XX/XX/2018, I was rudely talked to buy one of the agents there. I was transferred to a manager and she apologize for the agent that was talking to me very rudely. The manager name XXXX XXXX came on the phone and again talked to me abruptly as well as cut me off. She rudely kept reminding me of what my debt was. She was being very overly excessively rude and it stressed me out to the point to where I do not want to deal with this debt collector or make a payment to Them because this is the second time I have experience this and he has cause me a lot of anxiety. If I didnt want to handle the debt. I wouldnt call them. If this is the way these debt treat human beings, I never want to deal with them period. Its quite disrespectful and degrading to speak to anyone in this manner.