WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is in regards to XXXX  treatment rendered and completed in the latter months of XX/XX/XXXX. Exact dates are not know for treatment. My XXXX   treatment was completed XX/XX/XXXX. I have received a letter in the mail from a collection agency for the treatment received by my former employer XXXX XXXX XXXX in XXXX OH Re : acct # XXXX. I would like to make it clear that my complaint is NOT directed towards the XXXX that rendered thesXXXX XXXX   services to me.

My compliant is however directed towards the clerical staff and manager that were/are involved in this alleged debt. A notice for a bill in the amount of {$2700.00} was sent to me on behalf of XXXX XXXX XXXX- XXXX   office by RGS collection agency on XX/XX/XXXX.

Exactly 3 days before my employment was ending due to me relocating out of state.

An employee discount was discussed and offered by the treating dentist and approved by the office manager XXXX XXXX  before any XXXX treatment was rendered. The amount attempted to be collected was explained away by XXXX XXXX  as several different clerical oversights and billing issues with my XXXX insurance company. I was told by XXXX XXXX on several occasions to disregard any bills that were received, that they were to be cleared up by herself or company admin.

I was told this for 2+ years up until the date of receipt of the collection notice and after. My moving out of state ( XX/XX/XXXX ) seemed to be an out for my former employer and manager XXXX XXXX to saddle me with debt I don't owe nor has she provided proof of me owing via a signed treatment plan to confirm this debt.

My credit is in jeopardy of being damaged by this debt collection that XXXX XXXX knows will dis-rail my future career goals in real estate as an real estate investor and a major reason of my relocation.

Any efforts to resolve this issue reasonably seems to be exhausted.
I called Everbank to take them up on there offer the " XXXX Trial Period Plan ''. Since my house is in foreclosure. I called them on XX/XX/XXXX and the lady told me she would stop the foreclosure process and I told her I can call tomorrow with my paymentXX/XX/XXXX. So that is what I did, I made a payment to EverBank for {$350.00}. I thought everything was fine ( alot less stressed out I have been in my home for19 years and I have alot of equity built up and I feel they are taking advantage of me ) So I called back onXX/XX/XXXXand made another payment of {$350.00}. I asked the lady why they did not stop the foreclosure and she said they did and I said really that's why a sheriff sale was listed for my case on XX/XX/XXXX. She told me I needed to contact there lawyer? What? After I made my first payment on XX/XX/XXXX I recieved a letter from there attorney on XX/XX/XXXX stating that EverBank was still going to proceed with the foreclosure. I was lead to believe they was stopping the foreclosure while I was on the mod trial period. IMy relationship manager XXXX XXXX  told me the foreclosure is stopped, reaffirming more than one time that they stopped the foreclosure and told me I could make my payments anytime during the month. So now I am wondering why my house is listed for a sheriffs sale? I really thought my bank wanted to help me. They are dual tracking me right now and I have read this is not the first time EverBank has done this. This is why I am making this report cause I think what they are doing is illegal. Your help is greatly appreciated in this matter of me staying in my home or being homeless. Thank you! They have tacked on so many lawyer fees my head is spinning. I owed {$28000.00} before all this 6 years away from payoff.
A collection account for a XXXX XXXX appeared on my credit from a Harvard collection agency XXXX XXXX XXXX XXXX XXXX il XXXX this is not me I have had 2 names my whole life XXXX XXXX XXXX name and XXXX XXXX married name they are creating a whole new identity on my social spoke to a XXXX XXXX very rude man
On XXXX XXXX I paid debt to XXXX. On XXXX the XXXX and XXXX, respectively, XXXX hired Diversified Consultants, Inc. and XXXX XXXX , XXXX to collect a debt I have already paid directly to XXXX.
Citibank ( Student Loan Acct # XXXX ) in the amount of {$3100.00} Citibank ( Student Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XXXX. A detailed debt validation letter was sent on XX/XX/2018 ( USPS Certified Mail, reference # XXXX XXXX. 
There is a violation due to lending practices of Citibank as stated per CFPB vs Citibank. Until there is a finalization of the current findings of violation, Citibank should not report any accounts of fraudulent nature to all the credit bureaus.
Ocwen Loan Servicing , Inc. reported that I didn't pay my mortgage for many months and that's not true. 

I have ALWAYS paid my mortgage every month using XXXX XXXX XXXX  auto-pay. I pay it in ( 2 ) payments to keep my cash flowing. 

I did not realize they increased my mortgage due to an escrow increase so now I was UNDER-paying my mortgage and this went on for months without my knowledge. 

I only knew something was wrong when my credit score plummeted from XXXX to XXXX because I was reported as delinquent. 

The minute I understood what happened, I express-paid the balance for the tax increase of {$2600.00} and I increased my mortgage payments as well. 

I would greatly appreciate the credit bureaus showing I am paid up and on time. 

Thank you. 

XXXX XXXX Cell : XXXX XXXX XXXX
I have tried to access my account online tonight after returning from work. I received a notification that account was suspended due to activity on my account. I have a fraud protection on my accounts which requires my bank to contact me both via email and cellphone upon any notice of suspicious activity. This was not done, either by email or phone. When i contacted them today they said the suspicious activity which had triggered this was a wire transfer request made on XX/XX/25 to a person already listed under my wire transfer contacts, to whom i had made transfers in the past for the amount of XXXX XXXX They would not give me more information and they refused to activate my online account. I have been a chase customer for over 20 years, i have account balances which are high and substantial. I would like you to take immediate action and follow up this matter on my behalf. Best, XXXX XXXX XXXX
Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.
Hello, I have been in communication with Credit Service company Via certified mail regarding XXXX collection accounts. I have requested validation from Credit service company, and in response they have sent me a statement for both accounts. I have absolutely no knowledge of the following company's:1- XXXX od XXXX2- XXXX. 

I have explained this to Credit services Company In which they refuse to investigate. I have contacted the credit bureaus in return thay have stated Credit services company has validated the debts. I attempted to contact both XXXX XXXX and XXXX which referred me back to Credit Services Company. I have been in dispute with Credit Services COmpany for months with no response, Now they keep demanding money to these debts that I have no knowledge of.
There is account appear on my report without my understanding.    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   Account #  XXXX
after over 30 years of having this Citibank checking account with no issue, the bank now holds deposited money for days with no explanation why. I discussed this issue with the bank manager with no resolution or information. I then was on hold for 26 minutes to talk to a phone rep who could  not help me then transferred me to a XXXX from XXXX when said he could not help me and had no information for me then when i asked to be transferred to someone who could answer my question he hung up on me. I need proper access to MY own money. Please help me. Thank you.
WORST CUSTOMER EXPERIENCE. Citibank became to provider for my XXXX Credit Card. I have called their customer service 15 times today, XXXX/XXXX/16 and gone through an identification process only to have the call be disconnected and have the automated message say, " sorry, call again later. '' Citi is unable to provide the information I need regarding my credit card and personal finances -- I have billing and credit report questions.
CFPB, I am attaching a letter of explanation that I sent to BBVA Compass Bank  concerning my credit card. You will be able to see that all payments to them have been made on time, they are not giving me credit for my payments for as long as 9 days and then charging me late fees. One of the late fees caused me to go over my {$2000.00} limit by {$4.00}. I pay my bills through XXXX XXXX XXXX, all of my creditors are paid with in 24 hours or the next business day. In the case of a mailed check to Compass from XXXX XXXX to 9 days to give me credit for my payment is predatory.
I entered into an agreement with a virtual account seller and after agreeing upon initial payment and after receiving said payment the seller than says that the price had changed and to get this account I must pay an additional amount of which I did and the seller than states that I sent it to the wrong account after I had followed his directions. He never made mention of this other account until after receiving the second payment.
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX ERC ( Enhanced Recovery Company ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
I joined XXXXXXXX XXXX XXXX in XX/XX/XXXX on XX/XX/XXXX. When my contract expired, one year later, I contacted management of my intention to cancel my membership. I was told that I needed to follow their cancellation policy stated on my contract. 

Their membership policy requires Certified Mail, receipt requested notification. I sent them a certified letter of my intent to cancel my membership immediately on XX/XX/XXXX. I have signed proof that they received my request, dated XX/XX/XXXX Phone calls and E Mails that I have made netted no results, their billing continues. 

XXXX XXXX XXXX continues to charge my credit card a bi monthly charge of {$20.00}. I've disputed this charge with my bank. I cancelled my credit card as well. Somehow, XXXXXXXX XXXX XXXX has been able to charge my newly issued credit card for the bi monthly dues. I have not authorized them to make any charges to my account. Nor, do I receive or use their facilities. 

I hope you can help resolve this issue. 

Thanking you in advance. 

XXXX XXXX XXXX XXXX XXXX
I owe a HUGE outstanding amount on my student loans and somewhere along the way Navient stated that I was OVERAWARDED by my school at some point during my college years. However, my amount owed is still over {$260000.00} and I do n't understand how I got to that amount. In addition, I was giving forebearances even when I tried to make some type of payment arrangements and was told to use my forebearance and now I do n't have free time left to defer my payments that will be more than I can afford to pay. I also ca n't register for college because of the amounts listed with Navients as an XXXX.
I opened an account of Suntrust XX/XX/XXXX because I see a promo while I visit the branch. The banker lied to me he put the code for me to get the bonus, but actually he did not at that time because he thought I was not eligible. He is XXXX, Financial Services Representative at XXXX XXXX In-Store. What a joke he wanted me to have direct deposit first and then he used the code for me to get the bonus whereas the printed term mentioned the opposite step ( enroll promo program with the code, made direct deposit requirement to get bonus ). ( the fact is even I do not make the requirement, there is nothing to do for the fact that he did not put the code as I mentioned. It is absolutely his fault, especially he told me he put it in.It turned out he did not forget but cheat to client ) Be careful of the this address, it is hidden in XXXX, Mail Code XXXX XXXX XXXX XXXX, XXXX, TN XXXX. There is not much banker, you are very highly possible to meet him and you will be crashed. 
After my several call and investigation with phone service, he finally admitted he lied to me and viewed my profile and did re-enter the code which he should do it 2 MONTHS AGO. I got confirmation message from the secure message system about the fixing problem, I have to wait 8 weeks to have the promo. ( so I have actually longer time, if we counted at the beginning moment I met the requirements ). Then I find out he made tricky to my saving account, too. He violated the FEDERAL LAW to withhold my tax in saving account. I am not US Citizen but US person, under my country - US treaty, I should not pay tax of interest at some beginning amount, in other word. I should not withhold tax, but have XXXX form for me to report tax, as any normal people did. I asked him to change the withhold setting and let me have the form, he refused to do it and mentioned I shall call IRS to do the SUNTRUST account TAX withhold setting. I asked to complaint for their saving account setting error, he made up stories for me and refused to put the words as I said. He wanted me to do that complaint form by his word ( who know what he said, he wont even let me look at his screen ) and refused to further help me. It is only because at that moment here are some white people waiting for him to help. I am XXXX, he is XXXX,, but can you not help the front people solve problem, and then try to help next one at the back? The clearly racial discrimination is the only reasonable explanation. Seriously, be XXXX % care to deal with the banker XXXX. I do not show his full name for his privacy, but you know who I am talking to if you get to that branch.
XXXX  incorrectly reported to all  XXXX  credit bureaus that I was late paying my mortgage in  XXXX  when in fact I sold my home on  XXXX / XXXX / XXXX .     I contacted   XXXX   after I attempted to get a pre-approval letter from  XXXX   XXXX    XXXX   XXXX   XXXX  and  XXXX  Loans who reported my loan being open in  XXXX   XXXX . They told me that the loan was closed by them  XXXX   XXXX ,  XXXX , which is not correct according to the closing documents from   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   ,   XXXX   XXXX .      XXXX  filed a dispute for me at that time. I received the documents sent me from  XXXX  but it did not include a letter that they in fact reported it late to the credit bureaus, which was also requested. They did not attempt to call the bureaus to rectify their error.     I used  XXXX  to help resolve the problem in  XXXX , however it has been a month and  XXXX  has yet to respond as of  XXXX / XXXX / XXXX  inquiry from  XXXX . The other  XXXX  agencies have not taken it off their reports  XXXX  and Experian have placed the request by  XXXX  into investigations since they have inadequate documentation.     Today,  XXXX   XXXX ,  XXXX , I called  XXXX  at  XXXX  and they told me their dispute is pending. I explained that it was unacceptable that I have not received a letter form them stating that there was an error made by them in reporting the loan delinquent when in fact the loan was closed by them and not documented accurately!!!     They refused to let me speak to a  manager  or supervisor in their department. The rep handing the call gave me a number to fax to  XXXX  a written authorization for them to speak to the Credit Bureaus Agencies, (  XXXX  ) ..
I sent a debt validation letter to IC Systems via certified mail. It was signed for on XX/XX/XXXX. They have not responded to me at all, but reported to the credit bureaus on XX/XX/XXXX. There is supposed to be time for me to validate all accounts before being reported within 30days
In XX/XX/XXXX, my mortgage was with XXXX XXXX. I had been working with them about my upcoming property tax free status at that time. I am a XXXX XXXX XXXX veteran from the VA and in the state of Maryland, I don't pay property taxes on my home. XX/XX/XXXX, I receive a letter stating that my mortgage was sold to XXXX XXXX XXXX and the turn over of all of my information would take place on XX/XX/XXXX. My property tax free status was complete with the state of Maryland on the XX/XX/XXXX and back dated to the beginning of XX/XX/XXXX. I contacted my new mortgage company on the XX/XX/XXXX and told them the same information that I told XXXX. XXXX 's tax department informed me that they would get in contact with my county to see what the new amount is once the paperwork was complete with Maryland. I told XXXX XXXX the same information that was expected from XXXX. I was told that they were going to open up a case to look into it and it would take approximately 3-4 weeks for my new payment to be updated. 

About the XX/XX/XXXX, I call XXXX XXXX to see what the status of everything is so I can make the correct payment. I was told then that they didn't see any record that I ever contacted XXXX XXXX. The representative told me that she would submit all information and I should see a status update within 7 business days. I call back again the XX/XX/XXXX to see where everything is. The representative told me that my claim was still processing. She informed me that I won't need to worry about any fees or anything since I was in a 60 day window reprieve from any late charges. 


Monday XX/XX/XXXX, I check my mail and I see several collection letters from XXXX XXXX stating I'm delinquent of payment. I immediately call XXXX XXXX to see what is going on. I was told by the first caller that she didn't see any case open for me and that my mortgage payment changed from XXXX to XXXX. I told her that my normal payment was XXXX and was only temporarily pushed north to make up for some taxes. I inquired about my escrow balance because I intended to make one mortgage payment with my escrow balance since I am property tax free. She informed me that I have a balance of - {$810.00}. They sent off property tax money without even contacting the state to see what it was supposed to me. The representative told me she could submit another claim, but seeing as how the last 2 didn't work, I demanded to speak with someone higher up. I was supposed to be transferred to her supervisor but instead hung up on. 


I call back and this time was automatically transferred to the collection agency. I spoke with a gentleman who told me that I have to do their job for them and contact the state again so they can fax or mail over the tax bill for XX/XX/XXXX. He told me that it will take at least 2 weeks after they receive that letter to update my payment and an additional 4-5 weeks after that to receive a refund of my escrow account.
I used my DEBIT card on line as a CREDIT to my account. I purchased what was supposed to be ongoing services with the site but the site has locked me out of my account. I disputed many of the charges I made, some outside of normal time limits but many within the time limits. The response from my bank was simply that because I authorized it they could not do anything for me. They would NOT DO ANY of the disputes. I had tried several time to reason with them but they told me they could not afford to lose the money. I thought that since I did not use a pin number it was handled just like a credit card and had some protection. Now they do not even respond to me. They have been provided with my documentation
I have ( TWO ) complaints. 
On XX/XX/18, I got a letter from Ditech in reference to My annual Escrow Account Disclosure Statement ; It stated that my account has a shortage of $ XXXX, of which I could pay the full amount or spread it out over a 12 month period at $ XXXX per. month. 
On XX/XX/18, I send a one time payment of $ XXXX instead of spreading the payments out. In doing this my New monthly Mortgage would be $ XXXX.In XX/XX/2018. 
Surprisingly to say Ditech conveniently ignored my earlier deposit and factored it into my XXXX mortgage to a new total of $ XXXX. Setting me up for disputing my monthly payments on tack for foreclosure. 
So I see a pattern to date.I have previously lodged a complain about how Ditech still owed me $ XXXX for monthly contribution of $ XXXX I have made, part of an Incentive of the Home Affordable Modification, under the Borrowed Incentive as long as the loan was not 90 days delinquent which to this day never missed a day. XXXX XXXX   along with Green Tree collected it, passed it on to Dietech ; but no one is addressing this problem. 
Interestingly to know that the interest rate that is to click in after so many months have been on time never misplaced but my contribution that will eventually help to pay off my mortgage is not attended to. 
So on these two points ; please have Ditech address these for me.
TO REBUILD MY CREDIT PROFILE. I APPLIED TO CAPITAL ONE CREDIT. APPROVED FOR THIS CARD BUT COMPANY REFUSED TO ACTIVATE THIS CARD. THIS COMPANY INSIST I AM NOT WHO I AM. I HAVE COOPORATED. BUT TO NO AVAIL. SO I SIMPLYH WANT TO CANCEL MY APP. BUT THIS COMPANY WANTS TO CHARGE ME AN ONGOING MEMBERSHIP FEE. I JUST WANT THIS COMPANY OUT OF MY LIFE. PLEASE HELP
I am trying to get an explanation as to why my loan did not qualify for a modification with a principal reduction.
I requested a removal of Personal Mortgage Insurance. And was informed that if my home value was 80 % LTV on the home that PMI would be removed. I than paid for the appraisal to be done, {$690.00} to appraise the property. The LTV wasnt 76 %. A month later they responded with a letter denying me the PMI removal. They than informed me that I have a 2 year ( 24 month ) seasoning requirement. I was not informed of this before paying for the appraisal nor do I see any paperwork informing me that the PMI removal required this seasoning. 6 months away from reaching 24 months. And than mentioned the appraisal would only be invalid in 120 days since being done. So I would have to pay for a new appraisal