WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of American applied an excessive number of late fees in the amount of {$520.00}. They applied {$35.00} bank fee XXXX times to collect excessive fees. In addition, allows XXXX resubmit checks XXXX times to inflict as much damage to the consumer and allow Bank of America to apply excessive fees. The damage has been done because they have already taken my Social Security check with late fees. In addition, going forward I have to pay bills cover the {$520.00} that has been taken from my accounts. In addition, I have a family in XXXX while working XXXX causing my family undue harm.
on XXXX XXXX, 2016, I saw my experian credit report and notice a fraud statement that did not pertained to me. I did not write nor call experian and ask them to put a personal fraud statement on my credit report. I can say that someone used my information without my consent. But i never asked the credit bureau to put a fraud alert, which included a personal statement that I did not add to my credit report, and the credit bureau listed a old phone number that I had 5 months ago
Portfolio Recovery has called me numerous times. Their associates have regularly been threatening, abusive, and repeatedly ignored my requests to stop calling me. I tried to negotiate down the debt and they repeatedly told me no. Also they call before XXXX and after XXXX any given day of the week. I recently got a call last Sunday at XXXX.
What happened? 
two of my XXXX cards, were compromised by a person i did business with that had all my personal information. They were issues cards on my account without my knowledge, they evidently changed my address to a fraudulent address in XXXX NY. ( A ) I have relentlessly tried to get XXXX card to removed the fraudulent address from my credit report and they refused to. ( B ) I have also tried to resolve these fraudulent unauthorized charges off my profile and it continues to be a very impossible task. The facts are even verified by XXXX bank president office from letters they have sent to me. I have called them and left messages for the representative by the name XXXX XXXX XXXX ext XXXX and no call back. The fact is all the charges were made after XX/XX/XXXX, here reply letter stated the fraud unauthorize user taken off the account, why do they continue to give me a hard time to correct this problem? The account was carrying a - {$200.00} balance for 4 months and in XX/XX/XXXX they even sent me the credit for the {$200.00}. Then in XX/XX/XXXX 7 months after the issue was resolved XXXX opened another account in my name with a different account number and sent me statement that i owed them XXXX, then by XX/XX/XXXX it was a {$33000.00} balance, i have not did any transaction with them since the account was closed in XX/XX/XXXX, they are still reporting these fraudulent numbers on my account, i need them to fix their errors and clear my account.
I have tried continuously to have - Delinquent past/present obligations removed excessive number of inquiries, and installment late accounts removed from my credit report. I have submitted documentation XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
During these submittals, I have supplied information that stated these accounts were settled/with settlement letter and they should be deleted from my report. There are numerous reports and inquiries that are over seven to ten years that I have also asked to be removed. 
There are incorrect names, addresses, and phone numbers. 

I am requesting that someone help me to fix these issues, so I can continue towards a better future. Thank you for your time, XXXX XXXX
I was discharged from a Chapter XXXX Bankruptcy in XX/XX/XXXX. Based upon feedback from my attorney and Chase Bank, I was advised that an audit would be complete by Chase Bank prior to my loan being released to normal servicing. As of today XX/XX/XXXX my loan has yet to be released to normal servicing, I have been unable to get a complete loan history of my payments because the loan still remains in a bankruptcy status and Chase Bank has stated that I appear to be behind XXXX mortgage payments. I have advised them on several telephone conversations that I would like to ensure that the payments were posted properly during the bankruptcy to and validate against payment made to the bank as I do not believe there should be any delinquent payments. Chase has provided each month that I called that it would be another 30 days for the audit to be complete with no real resolution to my problem.
I 'm asking Chase bank/Chase Escrow to provide the details for the escrow amount of {$54000.00} that was added to the loan modification document on the date XXXX XXXX. XXXX escrow dep stated that I owed the amount {$54000.00} that was added to the loan document. I 'm not sure why and where did this amount come from. Property taxes and home insurance was always paid on time before the loan modification impounded the taxes and home insurance. I called chase escrow today XXXX and talked to XXXX XXXX at XXXX requesting escrow details on my loan account before the trial and loan modification took place. The amount for escrow impounds started in XXXX but there was no defaults of taxes and home insurance. I would request a refund for the over charged escrow amount since chase will not be able to revise the loan modification documents..
I was called in XX/XX/XXXX by XXXX  XXXX XXXX that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XXXX XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called XXXX XXXX as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with XXXX about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by XXXX in XX/XX/XXXX that all the reporting would be corrected.
XXXX XXXX / XXXX XXXX XXXX , TX XXXX claims that I still owe them {$2100.00} on a loan that has been closed and placed on my XXXX  Credit Report as a Collection-Charge Off. This information is not correct due to the following terms : 1. Had XXXX XXXX / XXXX XXXX in XXXX TX properly maintained the vehicle before selling it to me than this loan would not even have an amount. Had XXXX XXXX and XXXX XXXX provided me with Buyers Guide in which they didnt this would have been better understood. 

2. XXXX XXXX and XXXX XXXX XXXX TX failed to and refused to repair the car without me paying a high price. XXXX XXXX did not at time of purchase accurately disclose the mechanicial condition of the car that led to numerous mechancal failures, XXXX XXXX did not accurately disclose the prior history of the car. 


XXXX XXXX and XXXX XXXX sold me a defective and poor quality vehicle that had numerous mechanical failure issues. XXXX XXXX after receiving the car back the final time ever did the provide me with a solution just a debt that I feel is not valid.
credit control corp XXXX Please note that this letter is NOT a request for VERIFICATION that the account exists, instead, I am seeking VALDIATION that I have a legal obligation to pay you for the account referenced above under the Fair Debt Collection Practices Act. 
In accordance with the Fair Debt Collection Practices Act, please provide me with the following : An explanation of what the money owed is for. 
An explanation of how the amount owed was calculated. 
Copies of any agreements signed obligating you to pay for the debt. 
Provide copies or other verification of any judgment ( if applicable ). 
Prove that federal and state statue of limitations applicable to the debt have not expired. 
Identify who the original creditor of the debt was. 
Provide verification that the collection agency is licensed to collect in my state. 
Provide their license numbers and registered agent. 
In addition, this letter serves to inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In the event you are able to provide the requested documentation above, I will require at least 30 days to investigate this information during which time I expect no further contact from your offices or the company that you represent. 
Furthermore, during this 30 day validation period, if you take any action towards any of my credit reports which could be considered as having a negative effect, I will have no choice but consult with my legal counsel for suit. This includes listing any information to a credit reporting agency or other repository that could be inaccurate, invalidated and/or verifying that an account is accurate without having sufficient proof to back up such claim. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and once again I will have no choice but to seek the advice of counsel and file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. 
I look forward to you response and validation or deletion of the above referenced account so that I am not forced to proceed with any legal action.
I have submitted my application for a modification to have reviewed once more. I submitted all my paperwork on XXXX XXXX, 2015. My income has declined since my last submission, and I have not received a call or letter to acknowledge my submission. My daughter contacted the home preservation specialist, and stated she is n't sure my information can be reviewed once more.
Closing date number 1. XX/XX/2019- postponed due to missing paperwork. Rate lock extended without consent from myself. A fee was charged to me.

Closing date number 2. XX/XX/2019- postponed due to mortgage company 's lawyers delaying on paperwork. Rate lock extended and another fee added at cost of myself. Fault of Quicken Loans and admitted as such.

Closing day number 3. XX/XX/2019- postponed due to seller not being out of house. No fee added bc was still in new rate lock.

Closing day number 4. XX/XX/2019- Postponed due to mortgage company 's lawyers failing to provided all needed documentation and a tax check. Assigned lawyer " on vacation '' and no one could locate paperwork. Paperwork found on XX/XX/2019 but unable to schedule new closing by new rate lock deadline of XX/XX/2019. New rate lock extension added, cost to myself. Quicken admits fault on their end but still charges me.

Closing day number 5. XXXX- Quicken contacts my attorney and states that I requested a new closing for XX/XX/2019, which I never did. Quicken also messages me at XXXX the day before asking for more paperwork that needs to be to them by XXXX that day for closing to happen on XX/XX/2019. Knowing that this was impossible since I was at work from XXXX to XXXX. They know my schedule by now, also the same person had contacted me on XX/XX/2019 asking for different information, which was provided, but know needed more. Again, another delay. So far delays caused by Quicken and their lawyer has costed me over {$1400.00}.
I received a call today from Associated Credit Services, Inc which I initially missed but subsequently returned on XX/XX/2018 at XXXX and interacted with a representative for 1min and 43sec during which the representative stated that the call was being recorded. I also record calls which I determine are potentially fraudulent because I am still dealing with the aftermath of my identity theft. I informed the representative that my identity had been compromised and therefore I was also recording the conversation for my own records. I also asked that Associated Credit Services , Inc. validate the alleged debt. I was interrupted by the representative who stated she did not consent to me recording the call. To which I responded if that was the case then I also did not consent to the call and that Associated Credit Services , Inc. cease and desist from calling me. XXXX XXXX XXXX XXXX XXXX states " An individual who is a party to either an in-person conversation or electronic communication, or who has the consent of one of the parties to the communication, can lawfully record it, unless the person is doing so for the purpose of committing a criminal or tortious act. '' As indicated in the attached recording I was only recording the conversation to protect my interests and not for the purposes of committing a criminal or totious act nor was I attempting to record the call in secret. My credit has already been severely damaged as a result of identity theft and as a result at the advice of my attorney I have recorded ALL interactions that involve debt collections in the event I need evidence for court that the collection agency is violating my rights under the FDCPA. Furthermore I am of the opinion that Associated Credit Services , Inc. asking for and recording my personal information over the phone is a privacy violation. I do not at feel comfortable sharing PII over the phone or it being recorded because I have no way have knowing who has access my PII, what security measures are put in place to prevent my PII from further compromise, what auditing procedures are in place to ensure only the personnel that needs access in order to perform their jobs has that access, and what processes/procedures are in place to permanently dispose of my PII while ensuring confidentiality.
Credit Report drawn for mortgage loan. 
Experian, XX/XX/XXXX IMPOSSIBLE to talk to a human..on and on recordings but can not get help with simple question All three sources listed 08- Too many inquiries last 12 months with no backup as to who, what, where. 
Since I haven't applied for additional credit in last year except this one instance when report drawn..I know this false but can not talk to anyone from these " services? ''
My business account was closed by Bank Of America without warning and without explanation. I have funds in that account that I do not have access to and very desperately need. Called and they said they can close it whenever they want and do not need to give me a reason as to why.
On   XXXX   XXXX  , I opened a  Chase checki ng account online. The account was approved, I received a debit card and information to log into my account online. My initial deposit did not go through correctly, so I went into a branch ( the  XXXX , OH branch ) to make a cash deposit of {$640.00}. However, upon sitting down with the banker, he called a phone number about my account and apparently was told it was listed as " restricted. '' He was on the phone for several more minutes, verifying that I was indeed there to make a large deposit of cash, and then told me that if I wanted to make a deposit, I would have to log into my other ( non-Chase ) bank account in front of him, on his computer, and let him scroll through all my recent transactions and look at a recent statement. I did this, even though it made me extremely uncomfortable. No one ever explained why I was being asked to do this.     After several more minutes, he handed me the phone and another unknown  XXXX  employee goes on to tell me that the account that I had just opened was going to be closed, that they were not going to tell me the reason why, and that I would not be allowed to be a  XXXX  customer in the future. Neither the banker or the phone representative would give me an explanation for this. The banker took the debit card that was sent to me and shredded it and told me to leave.     I have never been treated like this by a bank in my entire life. It was humiliating and uncomfortable. If there was an issue with the account ( which had yet to be funded and therefore has not had any transaction s ), they should have been able to be up front with me about it. The banker now has my login information for an alternate, non-Chase bank account. I 'm not sure why the account was approved in the first place if I did n't meet some sort of criteria to be a customer. I went through all the hoops to show that the account ( AND my other, non-Chase account ) were indeed mine. I had several forms of identification, as well as offered access to my other bank and its statements. This was one of  the most horrifying experiences of my life. I can not believe this.
Experian and XXXX credit reporting agency removed an account off my credit report which caused my score to decrease this account should have never been deleted off my reports. The credit card company is XXXX this account is in excellent standing.
This is the e-mail that I received, I want to know if this is legit -- Original Creditor : Advance America ( Cash Advance ) Subject : Unpaid debt of Advance AmericaFile Number : XXXX : $ XXXX ClientWe regret to inform you that due to your unpaid debt amount of {$570.00} to Advance America ( Cash Advance ) from today we have passed your case to court. You are now to be contacted by official court attorneys, who will notify you of the hearing date. Therefore you will be served a subpoena to appear at court where you can present your defense. 


We still have not received any payment or answer from you. Therefore, we regret to inform you that if we do not obtain the payment of {$570.00} in full before end of the day, we will have no other alternatives but to undertake court actions against you so before something goes wrong I thought that I shall call you and notify you about this matter. But as I was not able to reach you so I am sending you a final notification EmailAs we put your Social Security Number into our National Checking Database System we found that you have been never charged for a fraud activity & that 's the reason we have decided to give you chance to take care of this issue outside the Court without having a negative report on your Credit History and Social Security Number. 


We would advise to treat this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible. 


We still trust court actions will not be necessary and look forward to receiving payment by return. 


If you wish to settle the outstanding amount or if you have any questions regarding the current situation please do not hesitate to send us an XXXXXXXXXXXX are sure the problem will be solved soon, as we have no doubt in your cooperation. Federal law requires us to notify you that this is a communication from a debt recovery corporation. This is an attempt to collect a debt. Any information obtained will be used for thatYours faithfully, Department of Cash advance America
Hello, There are several items on my credit report that are fake and are listed multiple times, by a collection agency called NORTHEAST CREDIT & COLLECT. XX/XX/2010, my husband and I were hit by a XXXX. Our medical bills were paid in the settlement, yet this company continues to illegally place these false items on my credit report and list each fake charge multiple times, in order to destroy my credit. This is in violation of FCRA laws. 

They have never contacted me prior to submitting this false information to Equifax and have been unable to produce any evidence as to the validity of these multiple charges. 

XX/XX/2010, my husband and I were hit by a drunk driver, yet all of our medical bills were paid in the settlement, by XXXX XXXX XXXX XXXX XXXX. Our representing attorney was XXXX XXXX. 

These charges that our now showing up on my credit report however are completely fake, with made up numbers. Each month I dispute them and each month they fall off ( because they are not real charges ), but the collection agency retaliates by relisting each charge multiple times, in violation of FCRA laws.
On XXXX XXXX I sent a debt validation to Midland Credit Management in regards to their entry on my credit report. They received this letter on XXXX XXXX. In my letter I stated that I was not aware of any debt owed to them and to please remove their entry from my credit report. On XXXX XXXX they sent me a letter stating that they understand I 'm disputing the accuracy of their records but after reviewing the account they were unable to determine the nature of my dispute. 
In my letter to them I said I was n't aware of anything owed to them. That 's the nature of the dispute. On their letter to me at the top it has creditor name as Target and balance of XXXX. This is the same name and amount that is on my credit report. They did n't provide me with anything new about how and why I owe the amount. This is a blanket letter they send out to anyone that tries to get the debt Midland says is owed validated. They 've also continued trying to collect on the debt by sending a letter with payment options on XXXX/XXXX/2015 as well as updating my credit report with the information.
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to evaluate this borrower for allloss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). We have  been advised the loan does not qualify for a loan modification due to the income submitting showing the ability to afford the payment as it is on the loan - the lender has advised that the investor - ( XXXX XXXX ) will only allow a review for an in-house loan modification. The clients income that was submitted shows a total of {$XXXX} - Pension income of {$XXXX} / SSI of {$XXXX} and {$XXXX} - The current payment of the loan is roughly {$940.00} or higher - due to the clients hardship - ( loss of income ) - The expenses stated in the review are {$2800.00} - and the lender feels this is ok and the payment is affordable - we feel this review was not handled properly nor where all factors taken into consideration.
I called Harris & Harris LTD and ask them to please remove the collection of XXXX dollars that is owed to XXXX XXXX XXXX in XXXX XXXX, I paid the XXXX dollars in the month of XX/XX/XXXX with a credit card from XXXX XXXX XXXX, they said I would have to contact XXXX, so I did and they have yet to remove it from my credit report. Please help remove this item