WillisBack/dataset-financial-user-claim huggingface dataset:
I was part of a class action lawsuit against XXXX : a mortgage company that I obtained a loan from. I was experiencing a financial hardship and signed up for the Home Affordable Modification Program ( HAMP ) with XXXX that promised to provide me with a reduced loan payment. This experience was a nightmare! XXXX kept demanding more paper work from me, more check stubs, more proof of hardship, advised me that my paperwork was incomplete ... to make a long story short, my family and I never received the assistance and as a result lost our home early XXXX. 

In XXXX I was contacted by a firm that advised that XXXX mishandled my family and I and that I was eligible for monies due to us being rejected for the loan modification / homeowner saver loan. I was instructed to complete paperwork that summarized my experience ( which I complied ) and my family and I was awarded {$500.00}. This was a settlement amount that I was informed, that I could not later on sue for additional damages. Not expecting this and experiencing devastating financial hardship, this was a welcome amount. 

Year later ( XXXX ), ClearSpring Loan Services began sending me paper work alleging that I owe them {$11000.00}. I advised them that I never had a relationship with them and owe them no monies. They advised that this was a XXXX XXXX XXXX XXXX I received. I advised them that I never received a Home Saver Loan ; because had I, I would still be in my home. I further advised them that I lost my home in XXXX. Requested that they send me any paperwork that I signed, that would show I have any connection with them .... ClearSprings was not able to produce any signed paperwork ; however they did send me some documents and advised me that I " digitally signed ''. I stressed to them that I received NO MONIES from them, no benefit, and no homesaver assistance. ClearSprings advised me that they did n't send the monies to me ; they sent it directly to my mortgage company. I advised them that they would need to seek a refund from my mortgage company then, because XXXX displaced my family and I and we no longer had a home. I have requested ClearSprings to discontinue calling me and demanding monies from me for a service I did not receive and/or benefit from. They continue to do so. 

My family and I lost our home and it was a devastating thing to go through. To find out that we were mishandled and could have had our home saved is even more devastating. To be harassed and victimized again : with a payment demand from a company that did not provide us with services is horrific. My family and I are working hard to recover from our loss and are re-building our future and credit to hopefully become home-owners again. I need ClearSprings and their partners to cease and desist with these harassing activities of payment demands.
My loan was paid off XXXX XXXX, XXXX. The company is trying to say that I owe another payment and XXXX and something in interest. They pulled XXXX out of my bank account on XXXX/XXXX/XXXX. I never received any notice that I owed any extra money.
I am writing to you because Bank of America for the past 24 hours, actually more than that, has denied me access to my account. I have called and been transferred and/or given a different number to call 10 TIMES!!!!! No one can tell me why the account was frozen and even more shocking no one has unfroze the account. 

That is stealing, that is theft, I believe that the legal terms would be robbery, fraud and the list goes on. I work hard for my money, and I am here 24 hours without access to MY money and no reason as to why! When I asked about compensation for the stress caused and time taken away from me without an apparent reason as to why I was told that Bank of America does not compensate for mistakes. I have recordings if you would like them. 

I recorded all the calls with the poor customer service displayed by BOA. I went to the branch location on XXXX and XXXX in California and that sad excuse of a manager XXXX, had me waiting for half an hour and left through the back! 

At this point I just want my money and compensation and I 'll leave the bank. I have been a loyal customer for 20 years and this is the treatment I get.
Commonwealth financial does not have a license to collect in the state of Florida. I have sent a letter of validation that I may or may owe any debt to the company commonwealth financial. Commonwealth has failed to validate any information that includes my signature when this debt became payable or any other requests that I have asked. I also feel that commonwealth financial might also be in HIPPA violation being that this is a medical bill that I may or may not owe.
I request a credit limit adjustment to XXXX XXXX dollars to match most of my other credit card accounts from the other banks. My current credit score is XXXX & have been self employed for over thirty years now.
I sent a letter of validation to Credit Acceptance on XX/XX/XXXX Certified and it was picked up on XX/XX/XXXX, XXXX XXXX by an individual from Credit Acceptance. The letter was never acknowledged and I did not receive a response from the company within 30 days as I requested. I stated in my letter to comply by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) which they disregarded. I sent another letter to Credit Acceptance on XX/XX/XXXX Certified and it was picked up on XX/XX/XXXX,  XXXX XXXX by an individual from Credit Acceptance. They sent me a letter onXX/XX/XXXX without all the information I had requested on my previous two letters and 60 days from my original letter. They did not comply with my request. I sent another letter to Credit Acceptance on XX/XX/XXXX Certified and it was picked up on XX/XX/XXXX,  XXXX XXXX by an individual from Credit Acceptance requesting to remove this item from my credit report within 10 business days due to not complying with my previous two letters or I will have to take legal actions. They disregarded this letter also. This company has not complied with my letters or the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 ( b ). I am requesting this item to be removed from my credit report.
XXXX XXXX is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. THE BALANCE THEY SHOW IS {$4500.00}. And they will not remove this account from my profile. I have written them asking them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with me.
I contacted Toyota financial services to dispute the points taken off of my credit that decreased my credit score I was informed that its a computerized system and basically so what its nothing they can do. I was building my credit now its ruined for no reason I never was delinquent on my payments to this company and its unfair that they just like that sent a false report to the credit bureau
XXXX/XXXX/2016 I was charged a overdraft fee when I had more than enough money to cover the bill. : The following items posted against insufficient funds : Item Amount XXXX XXXX XXXX PA {$36.00} Item Paid Final Available Balance as of XXXX/XXXX/16 : - {$42.00} This balance does not include the fees listed below. 

Fee ( s ) totaling {$36.00} will be charged on XXXX/XXXX/16. 

I opened two other account attached to the same card and the young lady who assisted me with opening the cards asked if I wanted overdraft protection. She was told YES. 

I spoke to a young lady today and she stated although I had enough money in the bank to cover the cost, the check mark was not checked for this account to cover incidents like the one mentioned. 
Again, I opened the other accounts inside of the branch and was verbally informed by the attendant that the protection would avoid me paying over draft if I had the money in another account. 
As a housing counselor, I felt the wallet was user friendly, I have spent several minutes looking for the check mark the CSR spoke of after telling me there was nothing she could do to help me ... and I still have yet to find it.
ON OR ABOUT XX/XX/2016, I PAID A VENDOR {$1200.00}, I NEVER RECIEVED MY PRODUCT SO I CALLED RUSH CARD TO FILE A DISPUTE THEY TREATED ME LIKE THE VENDOR WHERE THE VICTIM, THEY WAS VERY RUDE EVERYONE THAT I SPOKE WITH HAD BAD ENGLISH I ASKED THEM FOR A COURTESY CREDIT THEY TOLD ME IT 'S GOING TO TAKE 90 DAYS FOR ME TO RECIEVED MY FUNDS BACK I HAVE CALLED THE VENDOR SEVERAL TIMES A DAY HE DONT ANSWER MY CALLS WHAT IS THEY INVESTIGATING PLEASE I CAN NOT TAKE A LOST LIKE THIS SO IM ASKING FOR HELP IN THIS MATTER THANKS
Originally, I sent a letter on XX/XX/2018 to XXXX XXXX XXXX ( XXXX ) disputing a tradeline of my credit report from them. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I asked validation that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2018, I received a copy of Consumer Installment Loan Agreement and Federal Truth-in-Lending Disclosure from XXXX XXXX XXXX XXXX XXXX as their validation which wasn't validation competent evidence bearing my signature to XXXX. I received a credit bureau alert from XXXX ( betweenXX/XX/XXXX-XX/XX/XXXX ) and XXXX  ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been removed from my credit report. Then days later I received another credit bureau alert from XXXX ( between XX/XX/XXXX-XX/XX/XXXX ) and XXXX ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been added back to my credit report. I sent a reinsertion letter to all three credit bureaus ( XXXX, Experian, and XXXX  ) stating I had not received the ( 5 ) day notification which is required by law. All three bureaus stated they have validated this disputed item and refuse to remove and re-investigate in spite of all of the documentation I have provided to dispute the validity of this item. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( ii )  Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that  the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Paragon Revenue Group has an account an my cerdit report saying i owe, and its not my debt. Im looking at my credit report and they added another debt to my credit report after all the others were removed.The debt is for {$1300.00} dollars. Mys sons mother is taking my son to the doctors and i no longer work for the company the insurance was originally carrying him on. All his or her debts are coming over to me since i was the account holder
Reference is made to Account Number XXXX for the amount of {$300.00} opened on XX/XX/XXXX. 

On XX/XX/XXXX I made a Interest cost payment of {$90.00} On XX/XX/XXXX I made a payment of {$200.00} on the Principal amount with a {$90.00} interest cost. 

Today, XX/XX/XXXX my account balance shows an incorrect amount of interest cost that is due on XX/XX/XXXX. Specifically, after calling Customer Services Representatives this Loan Company is unable to tell me and post the correct amount due which is a Principal balance of {$100.00} with a {$30.00} Interest cost.
I asked my bank, JP Morgan Chase & Co to close my deposit accounts, and open new ones because of Identity Theft I was dealing with, and suspicious charges posting to the accounts. When the bank never did this, I disputed certain charges made with the XXXX Debit Card associated with the account, which is a common and encouraged practice. The company subsequently, retaliated against me, and closed my accounts, saying I was at fault, despite my previous attempts to fix the situation. I have credit accounts with the company which have always been in perfect standing, and was a valued Private Bank customer, until this incident, which I believe was not appropriately dealt with despite my efforts. Now I am listed with my banker to not open deposit accounts.
In XXXX my husband lost his job as a XXXX. All of the work in our area came to a complete hualt. He did n't work for 2yrs in between that time we had a passing away of his mother which we ended up having to pay for the funeral. Our loan was originally with XXXX then was sold to XXXX XXXX XXXX. So for the past 4yrs we had retained attorneys to help save our home since we were not able to make the monthly mortgage payment since we only received XXXX income. My husband was not able to receive unemployment. So I did several hardships adjust my XXXX at work to retain attorneys to help us get a loan modification which at {$40000.00} later we never received even though our house was only coming in at {$230000.00} but we owe on the first {$400000.00} and on the second {$130000.00}. which XXXX XXXX XXXX would not take into consideration. So now in XXXX they gave us a loan modification with a payment of {$1800.00} per but never forgave any of the balance at all even though the value coming in at the time was only {$280000.00} to XXXX. What really blows my mind is how they can structure a deal with putting a ballon payment on our note of {$35000.00} and not even extending the term they kept it at the XXXX since that was the original loan. So now my husband due to all of the stress from the loan modification has had some medical issues that have to do with his XXXX. so we have been running one month behind and on top of that we still have a second that wants there money and we have no way of paying them. We ended up having to file a bk in XXXX and we have been married for XXXX and have never have any problems paying our bills in the past. What 's really bad is we paid all of that money to the attorneys and never received the loan modification that we should have received. More than once we received letters stating we were approved then two weeks later we are denied. Its been insane to say the least.
XX/XX/XXXX I called in to clarify about my account and I was hung up on multiple times. XXXX, XXXX, XXXX, are a few names that I came across. When asking to speak with a supervisor I was knowingly transferred to a voicemail multiple times. XXXX screamed on the phone. XXXX was rude and not very helpful. The tones in their voices were very disrespectful across the board. This was my first and last experience with this company. 

XX/XX/XXXX I attempted to call in 3 times regarding my account. The first two times I was hung up on and thr 3rd time I was placed on hold until the business closed for the day.
I have XXXX XXXX XXXX on my credit report and they are over 7 years old and should be removed from my credit report. Also, they sold the debt are hired XXXX XXXX XXXX after sending XXXX XXXX XXXX a Validation Letter they removed themselves off my credit report. But XXXX XXXX XXXX didn't follow through with the same actions. I would like for XXXX XXXX XXXX to remove themselves from my credit report because they are 7 years old and the FCRA and FACTA both states that the credit report has to have accurate information on it. In this case Experian has not been following the Law.
I called in   XX/XX/XXXX  to see w hat amount was needed to bring the account current. I was told I needed {$3800.00}. I called back about a week later and paid {$3800.00}. I 've made payments on time since I supposedly brought the account current. Now I 'm being told the account is past due {$1200.00}.
I setup payment arrangements with this company and after arrangements were made phone calls started stating they would not accept the payment method I have. So after arrangements were made they sent me a letter stating they cancelled the arrangements and have continued to call me daily 4-5 times a day. I ca n't afcord to spend more money then what was agreed to in order to make the payments and they keep insisting that its my responsibility to change my payment methods in order for them to accept the payments.
On XX/XX/2018 ; I applied for the XXXX AAdvantage credit card for my XXXX XXXXn : XXXX XXXX XXXX. 

I received written notification from Citi asking that I provide additional documents to complete the application. 

Using these instructions, I called Citi on XX/XX/2018 and spoke with their underwriter who reviews and processes and ultimately approves and declines credit card applications. 

I asked the agent where copies of my XXXX U.S business tax returns or Articles of incorporations, to complete the application, should be issued ( i.e. fax or mail or email ) since the application was not yet approved. 

The agent was kind and professional and provided me with both an email address and a fax number to forward the outstanding documents. 

I asked the agent ( underwriter ) specifically once my application was reviewed and approved ; IF I would then qualify for the AAdvantage Miles promotion. The question was not theoretical or hypothetical but specifically was in reference to existing application. She reviewed the application and confirmed I would need to spend XXXX USD on qualified purchases within the first 3 months of opening the account to qualify for XXXX AAdvantage Miles. 

On XX/XX/2018 ; I contacted Citi AAdvantage and asked why my XXXX AAdvantage credit card was not yet received. They promptly stated they would issue a new card via XXXX  but confirmed the AAdvantage Miles promotion was no longer applicable due to having a prior open account. 

I disputed the information and spoke with a Supervisor who refused to review the phone call despite acknowledging phone calls are monitored and recorded for quality assurance. 

I am upset because Citi AAdvantage provided incomplete and misleading information during my interaction with the Citi underwriter on XX/XX/2018. I specifically asked IF my existing application would be eligible for the promotion and the answer was an unequivocal and resounding yes. 

Doing so meant I forfeited a new credit inquiry and lowered my XXXX score due to the agent 's lack of due diligence. 

Please help other Consumers avoid this mistake when applying for new credit cards in the future. Citi AAdvantage claims new applicants should read online disclaimers but does not have a system in place that prevents applications from being processed IF the client is not eligible for a promotion.
Equifax was recently hacked and I have been affected due to this issue. Because of their lack of security and infrastructure, I likely have to put my account into a forever loop of fraud alerts to protect my financial identity thieves from ruining my life. 

The failure to inform their clients since the initial hack in XXXX - now XXXX, and the quick sell out of investors speak otherwise of what was really going on in the background while trying to make money off of customers and still trying to please their investors. Please investigate this company for insider trading, fraud, and fine the company for practice maleficence.
I have checking account with XXXX XXXX XXXX, in XX/XX/XXXX & XX/XX/2017 there were few ACH debit transactions which I disputed because I did not authorize those transactions. Those banks which did debit I dont have account with them & when I contacted them they told me that they dont see any account under my name, so they recommended me that I need to file dispute with my XXXX XXXX XXXX which I did.

Capital One refunded money on my account but its been more than 3 months they put a hold my account & I cant access my funds.
When I went on to the XXXX site to check how the recent hack impacted me, the site stated that my personal information might have been compromised. Now my credit score is at risk, and so is my personal identity.
I paid off my vehicle XX/XX/2014, to Santander Consumer USA account number # XXXX the account is reported negatively on XXXX as a write-off. When I paid for this vehicle in full.
On XXXX/XXXX/XXXX I have opened a personal checking account online pursuant to the advertising from santander bank promising {$350.00} bonus after direct deposits totaling {$2000.00} or more post to an eligible account within the first 90 days of account opening. 

On XXXX/XXXX/XXXX I have mailed out a signature card as per terms and conditions of the account. 
Santander claimed they never received the signature card. 

When I went to the branch with my signature card I was told they could n't accept the signature card and that I should remail it. The representative apologized for lost mail and advised that they were swamped up with the mail as they did not expect such response from the advertising. 

I have re-submited account information online and resent the signature card on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX my employer processed direct deposit of {$2000.00} to my checking account. 

I have met all the new account bonus requirements, however Santander did not post the {$350.00} bonus. Various representatives gave different inconsistent reasons each time.
XX/XX/XXXX I lost my home in the Camp Fire in XXXX, CA. After it was determined by the Insurance Co ( XXXX  ) that my home was a total loss, they requested I get a payoff letter from my mortgage company so they could send me a check to pay off the mortgage. I requested that letter from Pacific Union Financial and they sent it to me. It was dated XX/XX/XXXX with the payoff good until XX/XX/XXXX for the amount of {$170000.00}. The Insurance company sent me the check made out to me and the mortgage company. I signed the check and overnighted it to the address I was given on XX/XX/XXXX. 

Since that time, I continue to get calls stating I am behind on my payments and they have just last week mentioned to me that I am at risk of foreclosure on my home. They have acknowledge that they have the check sitting in some kind of escrow account. I have sent them everything they have asked of me. Everytime I get someone new to talk to they ask for something different. 

Not only have I had to deal with the trauma of losing everything I own and XXXX   years of life and memories, I am having to deal with these people. It is now the end of XX/XX/XXXX and we are not any closer to having this issue resolved. This has caused my credit rating to drop 71 points because of them. I am already having XXXX  XXXX  due to the stress of the fire and this is just making it much worse. 

Any help you can give me will be appreciated.
Was XXXX XXXX loan, transfered to Navient, Now XXXX on my credit report, as Write off. When we call Navient to get it corrected, they have no record of the load. 
Killing my credit