WillisBack/dataset-financial-user-claim huggingface dataset:
I missed a real estate tax payment in early XXXX. Bank of America ( hereinafter BOA ) paid the real estate taxes and sent me a letter saying they wanted to establish an escrow account for future mortgage payments. When they failed to make the next real estate tax payment by the due date, I paid the taxes on XX/XX/XXXX to prevent them from coming delinquent. Shortly thereafter BOA wrote to me claiming that I owed them the amount of the tax payment. I wrote to BOA on XX/XX/XXXX to explain what happened and to ask them to correct their records. Their answer was unsatisfactory so I wrote to them again on XX/XX/XXXX and sent them a check for the amount I owed them ( {$10000.00} ) After several e-mails nothing was resolved. I continued to make my mortgage payments ( XXXX ) along with the amount of escrow for real estate taxes that I had calculated. I received several phone calls from BOA attempting to collect the amounts that I did not owe them. I referred the caller to the correspondence I had with BOA, to no avail. 
Finally on XX/XX/XXXX, I personally went to the closest BOA branch and met with a Ms. XXXX XXXX and explained the problem to her. She asked me for copies of the previous correspondence and my cancelled check in payment of the disputed amount, which I provided to her. Sometime shortly after that meeting she called me and said that she had talked to their mortgage people and that everything should be sorted out in a timely manner. She also stated, which I now know to be false, that none of this dispute had been reported to any credit reporting authority. 
Since then I have received multiple phone calls from BOA and each time I have referred the caller to MsXXXX XXXX so they could find out what happened. I even provided the caller with her phone number. Finally on or about XX/XX/XXXX I received yet another phone call from a BOA employee that called herself XXXX, and I yet again referred the caller to Ms. XXXX for clarification. 
In the interim I purchased a new vehicle and I was surprised to learn that the interest rate on my auto loan was much higher than I anticipated. When I checked my credit report I discovered that, contrary to MsXXXX XXXX statements, BOA had been reporting every payment since the original correspondence as a overdue to all of the major credit reporting corporations. 
I have recently received two letters from BOA. One telling me that the amount of the escrow payments now due with each payment is exactly the amount the I had calculated and that I have been paying. The other letter informed me that BOA was selling my mortgage and that a new payment processing company would be getting in contact with me.
On XX/XX/XXXX a check was deposited to my account of the total amount {$24000.00}, the check was altered from the total of {$420.00}. Chase pay the check! I was away out of the country at that time and didnt realize what was going on but upon my return the first thing I did was to contact Chase. Chase at first was all helpful and nice, grant you when I finally look at my statement was already XXXX to be more exact was XX/XX/XXXX when I called To file a claim for fraud. Never had a problem none of the representatives I talked or much less the banker i spoke to notified me about any special rules or any special time frames for dollar amounts for a claim to be accepted. So chase representative instructed me to go to a local branch fill it up and affidavit get it notarized with the banker and sent all the originals to XXXX Ohio and I had so I did it. Reminded you that at no time no representative no banker has told me anything about any special rules of time frames what dollar amount for this claim to be excepted. I sent all the documents via express mail to XXXX Ohio it was delivered and received, I called to follow up with the claims department and they said that the claim was closed because they didnt receive the document sometime but they would they would do XXXX this time and reopen claim, this was already XX/XX/XXXX, from this point on I called every other day just to check if the claim is still open, representative after representative guaranteed that everything was fine with the claim that it could take up to 90 days for the claim to process fast forward to XX/XX/XXXX week after week me calling in the guarantee that the claim was open and processing this time around was different the representative just said oh Im sorry but your claim is closed, angrily I just hang up the phone call again in another representative told me that the The claim The claim is closed due to excessive amount that Chase can not pursue any claims above {$10000.00}, angrily again I hang up the phone called again different representative this time around was different the representative explained to me that my claim was closed due to timeframe because of all claims should be filed within 35 days from the statement date. Angrily again I hang up I called again and the third representative answered and give me another explanation think that they never received any documentation and time that was the reason why the claim is closed. Because dissing him responsible actions of cheese of dismissing and deceiving me as a customer I did not take any Any further action with such a huge loss of {$24000.00}. Chase defraud me deceive me and cause a huge financial loss for me and I need a resolution I want to resolution before I take any further legal action please help me
I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the ER during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that m y credit score has ch anged ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.
Collection agency in Florida continues to harass my home by calling and leaving no message although I have called them and asked to be removed from phone base and informed them person they are attempting to reach ( XXXX XXXX ) has never lived here and is unknown to me! There are numerous complaints an line regarding these creatures and nothing seems to be done regarding the problem.
Hi, It shows in my credit that I owe {$720.00} and it was opened on  XXXX   XXXX . The name of the creditor is called ARS Account Resolution. The second creditor that is charging me money on creditor is charging me {$2200.00} and it was opened  XXXX   XXXX . The creditor 's name s called  XXXX   XXXX   XXXX . I did not take my daughter to the hospital during the months that is shows in my credit reporting. I have been false accused of taking her. Can you please ask them to check the signature of who signed the release medical information? Also, ask them to print me the ID that was used when the person went to the hospital? I do not understand why I am being charging of something I did not do. I just want the creditors to fix this issue they are accusing me of. I hope you can remove these  XXXX  charges out of my credit which are the amounts {$720.00} and {$2200.00}.   Thank you for taking the time to read my complaint.     sincerely,  XXXX   XXXX   XXXX
citi bank is reporting erroneous inaccurate and absolete NEGATIVE information to my credit report. I was never late on this card payment, please see attached letter of explanation that I sent to citi several times and received NO reply from them at al ....
I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for FL FED Bk CT-XXXX which are XXXX on Equifax, and XXXX on XXXX and XXXX but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of this bankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.
my husband and I was approved for a loan modification on XX/XX/XXXX. we were told by our relationship manager at our bank that we did n't need to make a payment until XX/XX/XXXX. he laid out our apr monthly payment and fees. well we were reported as being late for the month of XX/XX/XXXX and is at risk of being reported late for XX/XX/XXXX. now the trial period starts in XX/XX/XXXX since the payments are n't our original loan agreement we are subjecting ourselves to being reported as being late for the next three months.so our credit score is going to really suffer. and at this pint there is no way out of this mess. unless we pay XX/XX/XXXX and XX/XX/XXXX in full by the XX/XX/XXXX. meanwhile even though we were struggling because a lost of income we were never ever late to the point that we would be reported to the credit bureaus
I have been paying my Federal student loan to XXXX since XX/XX/2016. Recently, the changed names to XXXX. When I try to log into XXXX, the website says it is unavailable. When I try to call customer service or send an electronic message, it requires my social security number which the automatic system says is not in their system. The phones will not let me through to someone until I put in a social security number that it recognizes. I have no idea what to do next.
I paid a company named XXXX {$5000.00} on my PNC card for services i did not receive.i was repeatedly promised that they would provide me with a website which would be profitable.i trusted them only to be left empty handed.my payments and signatures were obtained under false pretenses.they were using deceptive marketing practices which are unlawful and warrant a full refund. I previously filed this complaint and with the CFPB and was just informed that they could n't find the company. There must have been a mistake because you were able to find PNC last time I filed a complaint with you. Please help.
Upon checking out credit reports, my husband and I found a joint collection debt saying it is on behalf of an apartment complex we lived in. The collection agency has never contacted us in any format and neither had the apartment complex. We never received our security deposit back, but never was called or mailed a bill ... or contacted by the collections company ... who appear to have added more than {$100.00} in fees to the supposed debt.
My checks were stolen as well as documents with my signature. I reported my checks stolen to Bank of America. I even walked into a branch and received new checks and asked the bank not to allow any transactions on the closed account with only small pending transactions. I had a new account number created XX/XX/XXXX. 
On XXXX, the bank reversed charges, claiming that my signature was consistent with mine on file. Does the check fraud department do or do not know that signatures can be forged? The bank also makes an excuse how claim forms that were emailed to me were not received. I am sick and tired of Bank of America not covering claims. I am ready to go to a higher level of Law Enforcement that the Banks are not investigating claims correctly or not covering claims, which is fraud itself. I certainly hope that this agency does something about Fraud and this Bank for a change. I have another claim not covered XX/XX/XXXX that I want covered and reopened by this bank. 
I was also charged fees in another account which both accounts combined I never should have been charged.
My credit information shows an address that I have NEVER lived at & it 's been on there for years. I could never find a way to dispute it. The address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX. This needs to be removed from my credit information & anything connected to that address. 
Thanks, XXXX XXXX XXXX
I have received a number of unwanted threatens calls after I sent letter requesting for who I suppose to owe and why, who 's the original creditor and I also requested documentation and cease and desist calling my number and I keep getting messages. I have them on my cell phone. 

The Collection agency : JLU ASSET MGT GROUP LTD Attention : XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, OH XXXX
Collection company reported debt to XXXX even though I have disputed the debt in writing to the company on three occasions. Further, I asked them not to call and they have called my home twice. I explained to the debt collection company that the information they have appears to be erroneous and possibly made up out of the air, but they continued to write saying I was not cooperating, when I was. I told them that the information they have does not match information I have regarding the account. They did not ask to see this information, they simply went ahead and reported it to XXXX.
So Ive recently checked my credit report on XX/XX/XXXX,  and I had noticed that the number of inquires on report are through the roof. I had been in disbelief, and I had good reason to be 13 credit inquires were reported on my report that I had recollection of no did I approve of the hard pull on my credit. So I sent an email to all three credit bureaus, XXXX, XXXX and Equifax explain that I would like to discuss why these inquiries are on my report if I did not have any knowledge of them. All three Credit bureaus declined my requests when I called in XX/XX/XXXX, the three names I had gotten from the associates were XXXX for XXXX., XXXX for XXXX, XXXX for Equifax they had argued with me and kept blaming me for the mistake on the report when I wanted some help to understand the situation. The customer service was terrible for all three companies, they made me feel guilty for calling, I would like your help to please help me get the customer service not only I that deserve but what others deserve too. The list of inquires are listed below : XXXX/XXXX/Equifax : 1. ) XXXX XXXX XXXX Date : XX/XX/XXXX 2. ) XXXX Date : XX/XX/XXXX 3. ) XXXX XXXX XXXX Date : XX/XX/XXXX 4. ) XXXX Date : XX/XX/XXXX 5. ) XXXX XXXX XXXX Date : XX/XX/XXXX 6. ) XXXX XXXX Date : XX/XX/XXXX 7. ) XXXX Date : XX/XX/XXXX 8. ) XXXX Date : XX/XX/XXXX 9. ). XXXX Date : XX/XX/XXXX 10. ) XXXX XXXX XXXX Date :XX/XX/XXXX 11. ) XXXX XXXX XXXX Date :XX/XX/XXXX 12. ) XXXX XXXX XXXX Date :XX/XX/XXXX 13. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX These are the 13 inquiries I desperately need off my report I didnt authorize these credit pulls. I do not remember them and its cause me emency about of stress and pain this is cause me emotionally and this is me asking for help desk, please have these removed. 

Sincerly, XXXX XXXX XXXX XXXX : XXXXXXXXXXXX Phone : ( XXXX ) XXXX
XXXX XXXX County which is the enforcing entity for XXXX where a child support order originates is also reporting on my credit for the same child support account. This is giving me XXXX negative account reporting on my credit report for the same account. I have contacted both the credit report agencies, and child support. XXXX continues to report duplicating XXXX reporting. And oh, there both reporting incorrect information despite my attempts to correct the accounts with the accounts. Please help!
I applied for a car loan with XXXX XXXX on XX/XX/2015. Which they did a hard inquiry. Checking my credit report after that, because I changed my mind to trade my Jeep in. I saw Credco did another HARD INQUIRY! On XXXX XXXX, 2015 for XXXX used Cars XXXX XXXX XXXX ( XXXX ) XXXX. I DID NOT AUTHORIZED THE SECOND INQUIRY ON XX/XX/2015
I sent a letter to Experian on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX, certified mail ( XXXX XXXX XXXX XXXX XXXX ) which was delivered and signed for on XXXX/XXXX/XXXX. These letters requested Experian to investigate the validity of information on my credit report that was being reported by XXXX XXXX for XXXX XXXX as I was challenging the accuracy, compliance and reportability of the item. I asked that they validate the information with XXXX XXXX and provide me with copies of any documentation associated with the account, bearing my signature. I had previously sent 3 certified letters to XXXX XXXX  requesting same and to date, they have been unable to provide that information to me. I formally requested Experian, twice, to delete the information on my credit report as they too have been unable to obtain validation of this account. As per FCRA Section 611 ( a ) ( 1 ) ( A ), Experian has 30 days to complete this investigation and provide me with method of verification which they have not. I did receive a letter from Experian on XXXX/XXXX/XXXX in acknowledgment of my letter dated XXXX/XXXX/XXXX stating that they would investigate my inquiry and after processing if it was found the disputed information is inaccurate, incomplete or can not be verified, they will delete that information or modify the information as appropriate based on the dispute. To date, my belief and understanding is that nothing further has been followed up on by Experian and they remain in willful non-compliance as I have not received any further correspondence relating to this dispute nor has the item been removed from my credit report.
My wife and I submitted payment for and were accepted to " Sams Club '' of the Walmart Company. As a part of this membership we were issued membership cards. We also were given a line of credit for Sams Club through Synchrony Bank, XXXX. XXXX XXXX, XXXX FL. 

We have never used this card for any charges anywhere. But soon after getting the card we received a bill with charges on it and several notifications of potential fraud from Synchrony Bank. 

We called Synchrony Bank, the local Sams Club store, and Walmart XXXX, and demanded the closing of the credit account. As directed, we went to the local store and turned in our cards and were issued new cards without the credit charge ability. 

After this we received another fraud notification, and then a third. 
Today I called Synchrony bank and informed them that the latest charges were indeed fraudulent and again demanded closure of the account, they refused to do anything unless I provided them with even more personal data. 

I refused to provide the data since this bank has already proven their inability to secure the information already in their possession, and the fact that they have already promised and failed to close an account that has been compromised and to which I no longer have any access.
My mortgage company asked me for the same documents over and over again. gave me conflicting information about what they want, My loan modification was denied for improper reasons, While i was in modification process with XXXX my loan was transferred to Caliber home loans and no one told me and the new mortgage company made me start the loan modification process all over again, and their policy is not to accept my payments while i 'm applying for modification and now they add attorneys fees and late fees, which i did not want to be late, We have full intention to keep our house.
In reference to CNAC-TX XXXX # XXXX account. 
Check issued : XX/XX/2017 for {$2100.00} as paid in full. 

To Collection Manager : This letter is to inform you that the validity of this debt is disputed. As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I am willing to pay {$2100.00} which will be paid by XXXX XXXX in the form of a check. If you agree to delete this account from any and all credit reporting agencies XXXX XXXX will release funds as promise, and there will not be a stop payment on the check in the amount of {$2100.00}. Please do not quote to me that you are unable to do this, I am aware of both your rights as well as my own. We both know you are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. The purpose of this settlement is merely to have this item removed from all reporting agencies. We are both aware that paying this debt is no benefit to me unless we can agree on the terms. I am sure you are aware that paying a collection account does not bode well on a credit report and that merely having a collection on a credit report will have a negative impact whether paid or unpaid. 

If you agree to the terms and accept this agreement, XXXX XXXX will release funds as promised only if in exchange for it, you are agreeing to the terms set forth in this agreement and will be deleting this account from all reporting agencies ( XXXX, XXXX, XXXX ). This debt will be considered satisfied, there will be nothing more owed, nothing further to collect, and you will consider this a closed, satisfied account. Again, ALL references regarding this account must be deleted from ALL reporting agencies. Since certified funds will be used for payment, ALL information about this account WILL be removed from all reporting agencies within 15 calendar days of receiving the funds.