WillisBack/dataset-financial-user-claim huggingface dataset:
My Bank Of America account information was stolen and they bank contacted me about it, soon after I had called to cancel my account due to fraudulent unauthorized activity on it, I was told by the representative that the fraud charge was credited back to my account and that I would be receiving a check in the amount of XXXX cents ( That 's all I had left in my account due to emptying it ahead of canceling ) About a month later I received a notice in the mail that my account was overdrawn by almost XXXX dollars so I called and got transferred to XXXX agents none of which would help me. I recently got a refund in the amount of XXXX dollars credited back to my account and it went into the bank of america account which i have no access to, when I called to advise them of that I again was unable to be helped. I have continuously called since then when I have the time to sit on hold forever to reach someone. Today I called again and reached an agent that again said he was unable to help me and transferred me to a number that was unavailable. So again, I 'm stuck with no one to help me and am very frustrated. I have spent hours of my time trying to get this problem dealt with and Bank Of America has done nothing. I was a valued customer right up until I called to close my account and now i 'm stuck with this issue over my head. I need the bank to credit the fraud charge like they told me they did and issue me a check for my XXXX dollar refund. They also cut off my access to view anything on the account through online banking when i called to cancel about 3-4 months ago so unfortunately I have no way to document anything.
Loan had been in XXXX related Deferment on a yearly basis. Navient requires yearly renewal paperwork from my XXXX office. This was submitted to Navient via fax on XXXX/XXXX/XXXX. Began receiving phone calls from Navient regarding my loan in late XXXX. The phone calls stated that my loan was in repayment status and that payments were past due. Once I explained that I had submitted the Deferment paperwork I was told that it was not on record. While on the phone they looked through my file and found my paperwork. Two weeks later began receiving phone calls again. I was told that the paperwork on file was not sufficient and would need a conference call with my XXXX. Once I was able to arrange this I called Navient back, The then stated that this was incorrect and that my loan was no longer eligible for Deferment. They stated that it had exceeded the allowed Deferment time period. I asked for a copy of my promissory note. I was told that it would take 30 days to get the promissory note to me and until then my loan was in danger of defaulting. I was told that in order to prevent it from defaulting while I waited for the promissory note I would need to make a payment.. This was in XXXX XXXX and I paid them approx. {$500.00}. In the beginning of XXXX I spoke with a different advisor at Navient who said the initial person in XXXX was incorrect and that I had one more month available of Deferment. I was instructed that I needed to submit additional paperwork and that this would be mailed to me. I continued to receive multiple daily phone calls and when able to answer I was told that it was in fact in the mail on it 's way to me. After 3 weeks I called again and expressed my concern that I had not received it. They then emailed it to me XXXX. I had it completed and faxed to them XXXX. 2 weeks later I received a notification that my loan had defaulted. Once I tried to explain the situation with multiple different levels of individuals I was told there was nothing I could do. The only thing I could do was pay the past due balance which I was told had started XXXX, XXXX before I would be able to make a settlement. I have tried to reach the XXXX via email and phone with voicemails multiple times for the past 3 months with no response. There are multiple missed payment flags as well as the defaulted loan on my credit report. These are having a substantial negative impact on my credit score which is affecting me drastically.
I been receiving harassing and threatening telephone calls, and XXXX threats from Central Credit Services, LLC., representatives for a debt, I do n't owe and do n't belong to me. The debt is a result of identity theft. Someone stole my identity and personal information. I am a victim of identity theft.
I 'm writing to complain about what I think are excessive Late Fee charges over time. After deferring payments on this private loan for the maximum time, a year, because I was n't earning enough income to make my payments, I had to start making payments. I was fortunate enough to get a XXXX job so I could do that but my payments were still often late over a period of XXXX years, so I was charged many late payment fees. Those fees have totaled over {$350.00} so far and I think those are QUITE UNFAIR AND EXCESSIVE, especially considering my interest rate on this private student loan is over 12 %. Congress needs to write laws regarding the maximum late fees allowed yearly on private student loans. Having these private loans has certainly discouraged me from getting more education, something that would certainly benefit me in the job market. So my question is, is that what excessive LATE FEES and ridiculously high student loan INTEREST RATES are supposed to do? Are they supposed to DISCOURAGE people from pursuing graduate degrees? Is that what Congress thinks will be BEST for the economy, or do n't they think in those terms?
I had dispute filed with City credit card requesting to investigate charge that was improper as I left an item in XXXX store on XX/XX/18 and was requesting a refund. XXXX at that time promised to refund money multiple times but did not. I filed dispute for the portion of the charge with City card and Citi card failed to investigate dispute properly, misstated that they sent me required paperwork for supporting documentation at the same time emailed statement that they are still investigating therefore never sent any request for supporting documentation hence caused me to miss my deadline : I feel I have been defrauded by Citi card. Then Citi bank stated that I missed deadline to provide supporting documentation and declared lost dispute, an addition reported that negatively and improperly to credit agencys '. 

Eventually, XXXX checked their records and refunded the wrong charge however City card never amended their ill reported lost dispute and my report still has their fake negative comments. 

I request negative reporting about lost dispute removed from my records as being unfair and fake.
We purchased a home with Taylor Morrison and closed on XX/XX/XXXX and used their financing company, Taylor Morrison Home Funding. We are in the process of refinancing with another company to capitalize on a lower interest rate and the new company ( XXXX XXXX XXXX XXXX XXXX ) have been in contact with Taylor Morrison to obtain a payoff amount and Taylor Morrison is refusing to give the payoff amount to us or the other company in order to finalize the refinance loan. They are stating they sold the mortgage to another company, however that company ( XXXX ) is not servicing the loan until XX/XX/XXXX. Taylor Morrison home funding is the current servicer of our loan and they refuse to give us Or the other companies the payoff amount. 

The request was made for a payoff in the middle from both XXXX and XXXX and after multiple calls and emails they still refuse to give the amount or documentation needed to close on our refinance loan which they are servicing until XX/XX/XXXX. We only have a few days before our rate lock is up and they ( Taylor Morrison & XXXX ) are not responding with the information XXXX needs to approve our refinance loan. 

Due to their ( Taylor Morrison and XXXX ) questionable businesses practices they are not allowing my husband and I to obtain better financing for our mortgage which will be a huge financial impact after a few years.
THIS COMPANY XXXX XXXX XXXX DOES NOT HAVE AUTHORITY AND OR LICENSING AS A DEBT COLLECTOR IN THE COMMONWEALTH OF PUERTO RICO THEY SHOULD NOT BE REPORTING SUCH DEBTS AND OR ACCOUNTS AS THEY DO NOT COMPLY WITH COMMONWEALTH OF PUERTO RICO DECREE # 6451 LAW # 179 OF XX/XX/XXXX AND LAW 170 DATED XX/XX/XXXX
I made a previous claim with this company with Consumer Financial, and the company responded and sent a letter in the mail. The mail stated that they had to close my account to protect them. Here 's the problem. Before my account was closed, they blocked my access from logging into my account. I was still getting email notification, and was given a number to contact XXXX XXXX, but she never called back when a message was left. Recently I saw something in the mail that I owe them move because my account is overdraft, and if I do n't pay it by a certain time it will be sent to a collection agency. WHY CHARGE ME WITH AN OVERDRAFT AND FEES ASSOCIATED WHEN I COULD N'T LOGIN TO THE ACCOUNT BECAUSE I WAS BLOCKED FROM THE ACCOUNT, as per Fraud department. It would have been easier if I had access to my account, put money or went to the bank, rather than reporting to the consumer agencies that I overdraft my account, which had more than {$2000.00} in it when I had access to the account. This is fishy, and I will look for an attorney. This is cruelty.
Respected sir, I am a USA citizen and presently residing in XXXX, I want a transaction history of the amount that I have transferred to XXXX from USA. I have contacted the bank but they could not provide me the same. I am fighting a litigation in XXXX and this is very important for me.
This is a Notice of Direct Dispute under the provisions of FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4, of the accuracy of information you have reported to my credit file.

After reviewing my credit report I have found Great American Finance is reporting an inaccurate account and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. I never signed anything or submitted my information to go into contract with this company.
My checking account information with Bank of America was taken by thief 's. The thief 's began to present unauthorized and unsigned checks to BofA against the account. Once we identified what was happening we met with a bank representative in the branch office and withdrew all the remaining cash from the account and confirmed the overdraft protection would be turned off so that any future checks presented on the account would be returned non-sufficient funds. We then made an appointment to come back next week to close out the account. When we came to close the account we were informed the thief 's had presented additional checks and they were honored AND we had additional overdraft fees as a result. BofA informed us that we could not close out the account because the account was now in a negative balance ( due to the checks that were honored and the overdraft fees ). They informed us that unless we pay them {$450.00} they will continue to assess fees, continue to honor bogus checks, and pursue the balance including assigning this to a collection agency.
I forgot to return a XXXX internet equipment when I was renting an apartment three years ago and thus owed XXXX a couple hundreds. Instead of trying to contact me, XXXX just went ahead asked a company called Diversified Consultants Inc to collect the money. This collections agency called me last year but the agent is extremely unprofessional and acted exactly like frausters trying to blackmail me money. They did not explain why I owed money ( I had no clue that time ), and did not even trying to communicate with me, stopped me when I tried to ask questions and never listened. They just tried to intimidate and scare me to pay them the money thru phone. When I searched this company online, everyone said this company is a scam ( if you XXXX it you will know ). So I took them as a scam because they acted so and everyone said so!

Months later, I saw this collection account on my bureau report then I realized this company is actually a collection agency. I paid the money off immediately with XXXX and tried to contact the agency see if they can help me remove the collection accounts because they did not communicate well. But again, they acted like a scam and extremely rude. They said they can't even tell me whether they are collecting money for XXXX  until they confirmed my account. It is so ridiculous.

I think I should be properly contacted by a legitimate company that can tell me why I owe the money when I actually owed the money. But it is not the case. Right now I wish this company to disappear to make the world a better place, and at the same time I hope they could work with the bureau to remove the collection accounts from my bureau report so I can have a credit score that actually reflect my credit worthiness.
without mailing me notice to let me know I had hostile pills they report me to credit bureau, then after my insure company paying them {$800.00} and I paid {$220.00} ( means I paid off my hostile bill! ), they keep calling me to said they DO NOT receive the insure company 's check, and ask me to pay them another {$800.00}, then a lady in ARC finally figure out they already get the check! BUT this is not the end. I receive a letter from them on XXXX XXXX, it said I still own {$800.00}, I called back ARC, XXXX lady said they do n't receive the insure company 's check! My insurance company told me ARC already cashed the {$800.00} check on XXXX XXXX! 
I ca n't believe after ARC received all the money but they still deny they get the money and want me to pay XXXX.This is a big mistake their employee made and they want me to suffer that!
We started dealing with Citi Mortgage back in XX/XX/XXXX for a modification. During the process of approximately 14 months, of continuing to send them documents after documents. The same documents many times. Having approximatley XXXX different representatives helping us. With each time a change in representative, meant us sending again the same documents. Also, we found out that some had different answers than others. At the beginning of this process, we were told by Citi Mortgage that in order to be approved to continue to go on with the modification process, we had to be 4 months behind. If we are current that shows Citi Mortgage there is no need for a modification. So that is what we did. I will say that is the dumbest thing we did. Than we ended up to where out acct ended up in foreclosure status, and we could no longer make payments. After many, many months of frustration we contact XXXX XXXX XXXX to have them help us with the process. We started with them in XX/XX/XXXX. As of today, we are still working with them. XXXX XXXX XXXX representative tells me that Citi Mortgage continues to ask for documents. XXXX of many frustrating moments is with XXXX at Citi Mortgage. We have sent multiple times a letter stating in regards to some land we have. It was stated to her in detail that this land is a cash rent land. There is no mortgage on the land, it was in-heritated. It is split between my husband and his XXXX siblings. That the land is crop land only. We stated who farms it, the amount we receive. XXXX decided to determine we had a home on this property. Which delayed things again. There was never any indication of a XXXX home. If she would have read the answer to her question on this property, she should have known that it is crop land only. Is a field of weeds until the farmer puts the crop in. That we get a payment XXXX a year. not monthly as she was assuming. We have been served papers today by the attorney for Citi Mortgage, but yet they continue to call us daily. We do not speak to them as that is what XXXX XXXX XXXX is for. 
This process has taken way too long. Many of the documents that they keep asking for do not change. The only thing that changes slightly is our pay stubs and bank statements. We need help to get this finalized.
I am writing now in hopes to obtain your help. At the present time I am working on examining my credit, paying down my balances, and working toward greater credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( Experian, XXXX and XXXX ) on XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark took back. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.
Disputed XXXX 2nd mtg that DOLA was XX/XX/XXXX. State of Washington SOL is 6 years for CRA to remove negative info. Got letter from CRA stated that XXXX had confirmed that DOLA was correct. I know it is correct DOLA, what I requested was that it be removed from my report, as it is time barred as of XX/XX/XXXX. Both other CRA 's removed this negative item from their reports as requested on XX/XX/XXXX. All I am asking is that Experian do the same as required by law in my state.If they continue with this show of disregard for the laws of my state of residence, what legal options do I have? I can not understand how other 2 CRA 's can do this with a simple phone call, yet these buffoons ca n't. PLEASE HELP!!! I am trying to refi my home and this is only item holding it up, I stand to lose the fee for appraisal if this continues much longer. Thanks for your help
XXXX XXXX sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and XXXX XXXX is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all reports.
I was denied a home loan by Wells Fargo after submitting multiple consumer credit/loan applications with branch employees in XXXX XXXX, NV in XX/XX/XXXX. I have received emails from the institution for years warning me of various account changes despite my not having any accounts that I know of with them. I received emails stating my account was opened, changed, debited ( overdrawn ), or somehow accessed ever since submitting those applications for loan products ( mortgage/home loans ). These emails looked very legit and came as regularly as any open account would receive notice from the bank. I reviewed them for phishing and while they looked legit, I knew I did not open any accounts on the few occasions I entered the bank 's branches and submitted apps or inquired about products even though each visit required I provide the bank 's staff with my personal information including copies of identification. I believe the fake account has created a negative impact on my credit score, ability to obtain credit, and ability to obtain fair lending as over the years I have seen various transactions on my credit reports that refer to Wells Fargo but I assumed were errors. There were home loans in excess XXXX , auto loans for thousands and collections charges for accounts that were closed with Wells Fargo connected to them. I disputed the reports informally but with time restrictions on how long items sit on credit reports, some of those charges have automatically been removed from my credit report. 

I learned of the fraudulent accounts created in XX/XX/XXXX and am aware that some citizens hurt by this scam at Wells Fargo may have never even actually owned an account. Some may have been victimized in the ways in which I was victimized by taking my identity and opening the accounts after refusing me service/products at the counter. Initially, I believed it was a matter of discrimination based on race/gender/ethnicity and I still believe those things may have played a factor in my denied loan applications and resulted in the fraudulent account assigned to my name that resulted in email notifications about the account activities and credit reporting.
Over the course of a few months, we had a total of {$12000.00} fraudulently taken from an estate account set up with JP Morgan Chase to hold my late mother-in-law 's proceeds from her estate while we cleared the probate process. The transaction amounts and the dates associated are as follows : {$13.00} was withdrawn on XX/XX/XXXX. {$450.00} was withdrawn on XX/XX/XXXX. {$4100.00} was withdrawn on XX/XX/XXXX. {$4200.00} was withdrawn on XX/XX/XXXX. And finally, {$3900.00} was withdrawn on XX/XX/XXXX. Chase is claiming the transactions would not be refunded due to a policy that states that the charges on the account exceed " 60 days after we sent the statement containing the first unauthorized transaction ''. Chase should have identified the first unauthorized transaction because the account was set up as an estate account and the only means to which a transaction should have been permitted would have been by check alone. A check/debit card was not issued with the account because the account was not set up as a spending account ; instead it was set up as a savings account for only the time required while the estate was in probate. Also, the name on the fraudulent transactions were XXXX XXXX ; my wife 's name is XXXX XXXX -- so the transactions should have been flagged for the name in addition to the account supposedly not set up for electronic transfers. Additionally, since the account was set up as an estate savings account, we were never set up to receive paper statements and therefore were not afforded the opportunity to review the transactions on the account when they occured. We first identified the fraudulent transactions on XX/XX/XXXX, when we closed the estate account and moved the proceeds to a personal business account within Chase. It took us a couple days to do a full review of the transaction history, and on XX/XX/XXXX we made our first official claim with Chase regarding the fraudulent charges. We were told over the phone that the account would be reviewed and they would mail a check due to the estate account being closed. Within a few business days, we received some letters in the mail from Chase stating the transactions were reviewed and that the charges would remain on the account. On XX/XX/XXXX, we went into a local Chase branch to discuss the issue with a bank representative. At that time, we were advised to make an executive complaint with Chase headquarters. We attempted to make the executive level complain onXX/XX/XXXX, however, we were not able to complete the claim due to the president 's day holiday. The executive complaint was officially made on XX/XX/XXXX. Chase was not able to make a reasonable resolution to the complaints stating they would not be held responsible for the transactions. Chase is claiming their reasoning is due to their '60 day ' policy. While we may have been beyond the 60 days from the first transaction ; there were two transactions within the month of XXXX that totaled {$8100.00}. At the very least, we are within the 60 day window to dispute those charges. Though I would still make the argument for the complete total of the fraudulent charges.
I currently have XXXX companies trying to collect on XXXX single debt. I have contacted both companies and they both say they currently own the debt. The debt is from an old apartment lease. XXXX company is XXXX and say I owe {$1000.00}. The other company is NATLCRSYS and say I owe {$910.00}. They both claim it is for XXXX. I have contacted XXXX and they have taken over new management and can not even locate the original debt or who they originally sold it to. I want to pay off this debt but I need to know who actually owns it. I have reached out to all parties, and they are not interested In helping they just try to get me to pay. But again I do not want to pay the wrong company what I owe. I have disputed both claims with XXXX, because obviously XXXX claim is incorrect but even XXXX said both were legitimate claims.. which is impossible. Can you please help me?