WillisBack/dataset-financial-user-claim huggingface dataset:
My Mortgage with Bank Of America that I have now refinanced because of the situation added insurance on my mortgage even though proof was sent many times to them that I have insurance and never have been without it. I have made at least 5 calls to get this straight with them. My address number changed but everything else was the same. I sent them proof on 2 different times that is the same home financed not to mention every single year before and they never correct the address box number change .I have sent tax cards, 911 change everything possible. I decided to refinance with no issue at all with the address change. They sent me a portion of the insurance back but still owe me back pay of close to {$500.00} that was included in my payoff. I asked to speak with a supervisor and they said she was busy and that she would call me back and never did. I called them again and the person I spoke to and sent my proof of insurance to AGAIN said that it would be taken care of. Never have received nothing from them and here it is going on since XX/XX/2017. I have attached what I have sent them and they always have it on file when I call but still no results.
CitiMortgage INC has continued to report this incorrectly for years!! All of the late months they report, we were in the Loan Modification program, Harp, Hat something!!! Payments were made each month to their specifications and certified sent by mail! They too almost two years to get this done and then when they finally got us into the program, the terms were different on the loan and if anything changed on the mortgage, if we wanted to sell, they had to approve and I could not rent it!!! My husband died suddenly in XXXX 2011, just a couple of months after getting the reduced interest loan!! He was the soul support of the family and there was no way I could afford on widow 's benifits to stay in the home. I turned it over to the Bank and moved out! I offered deed in lieu of and never have heard from them again!! I want this reporting corrected/changed as this is not true!!!
My account balance was discharged in a Chapter XXXX Case # XXXX filed XX/XX/XXXX and converted to a Chapter XXXX XXXX filedXX/XX/XXXX. To date the financial institution has continued to report my account negative to XXXX XXXX. I was granted relief from this debt and I want the account removed from XXXX XXXX immediately.
We sold our timeshare from  XXXX   XXXX  in Virginia to     XXXX   XXXX   XXXX    in   2011. As s pecified in the agreement of sale,  XXXX  assumed all previous, current, and future debts. Apparently, there is some claim by  XXXX   XXXX  that we owe them money. Despite repeatedly sending documentation to  XXXX   XXXX  that they should contact  XXXX , we have been hounded ever since    2011.  We were reported to the credit agencies, and we were able to prove to them that we do not owe this debt. Our credit was restored and the debt was removed from our credit reports.      XXXX   XXXX , at some point, sold this debt t o Meridian Financial ser vices. We have sent them documentation, on multiple occasions, that we do not owe this debt. We are called at all hours, all days of the week, multiple times per week. They will not leave us alone.     I would appreciate any assistance that you can give us.
Since around XXXX, I 've held a Bank of America credit card. On XXXX XXXX, XXXX. I presented it in a branch in the XXXX area. I explained that I wanted to payoff and close the account. They gave me the payoff number ( {$1200.00} ). I wrote them a check, which cleared the next day, for that amount. They said I had to actually close the account over the phone, I verified with the staff that if I completed these steps, the process would be complete, and I would n't have to do, or pay, anything else. I called their call center the next day and closed the account. I verified with the CSR who closed the account for me that I would n't have to do, or pay, anything else. 

On XXXX/XXXX/XXXX, I got an email with a new statement. I checked it to ensure I did n't have to do anything else, and that the balance was {$0.00}. It was n't. BoA had charged me {$23.00} further interest. 

This is unacceptable. I paid off the account, closed it, verified twice that the process was complete, and they still charged me interest against a closed account. If they 'd have told me when I wrote them the payoff check that it 'd have been another {$23.00}, I 'd have paid it. They did n't. 

As we agreed, I consider this account closed, and I do not owe them an additional {$23.00}. Please help me have this debt removed from my account, and from my general record.
I made XXXX balance 0 % interest transfers with Discover Card in XXXX and XXXX 2015. When my XXXX statement arrived, the balance transfer of {$3000.00} and the fee of {$90.00} were listed in the " ACCOUNT SUMMARY '' section, but the amount listed in the " BALANCE SUBJECT TO INTEREST RATE '' table was {$2500.00} instead of {$2900.00}. The Discover representatives I spoke with ( five phone calls were made ) could not explain what happened and could not tell me which balances my payments were applied to. First I researched previous Discover 0 % balance transfers, found errors ( approximately {$300.00} plus interest ) in allocation of payments ( payments not applied lawfully in accordance with the CREDIT CARD ACT ) and I wrote two letters of dispute to the correct address for complaints. I did not get a response. On my XXXX statement, the second 0 % balance transfer of {$1200.00} and the fee of {$36.00} were listed in the " ACCOUNT SUMMARY '' section, but the amount listed in the " BALANCE SUBJECT TO INTEREST RATE '' table was now {$4100.00} instead of {$4000.00}. I wrote two more letters of complaint. These were mailed and submitted online. I got an online message with a local number to call. After numerous phone calls, I was finally able to speak with someone about my disputes. I was informed that Discover Card is calculating the 0 % balance transfer using the " daily balance '' method of interest calculation and that my minimum payments were applied to the balances. Another letter of dispute is going out this week. First of all, Discover Card can not apply this method of calculation to my 0 % interest balance transfer when there is no interest to calculate! The INTEREST CHARGES section on page XXXX of my CARD MEMBER AGREEMENT clearly states, " How we calculate interest charges, '' and since the APR is 0 % there is no interest to calculate. Secondly, I calculated the 0 % balances using the " daily balance '' method and could find no evidence of my minimum payments in the amount of {$100.00} ( XXXX minimum ) and {$160.00} ( XXXX minimum ) having been allocated to the 0 %. I am currently paying more than the minimum each month and I am not able to check my bill to make sure that the 14.99 % balance is correct. Finally, if things continue in this fashion, Discover will continually not report to consumers the beginning and ending statement balance for the 0 % and the 14.49 %. As a result, Discover 's customers will have absolutely no way to see if the law is being followed with regards to payment allocation and Discover Card 's customers will continue to be in the dark with regards to their balances. I have no way to calculate how much money I have lost and if Discover continues to apply interest calculation methods to balances do not require interest calculation/that have 0 % APR, I will never know how much money I will lose.
I was wanting to get money from the equality in my house. On a Sunday I received a call from Amerisave informing me that they were wanting to work with me. XXXX was the Amerisave representative. I followed their process and submitted the required documents, some several times saying that the underwriters were requiring the documentation. My house was appraised by XXXX, charged to my credit card. I paid {$450.00} for an appraisal that can only be used by Amerisave Mortgage Corp. I would like {$450.00} charges refunded
I have notified Optimum Outcomes that I was a victim of Identity Theft and I provided Optimum Outcomes with a Identity Theft Affidavit. To date, Optimum Outcomes has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.
This has been a ongoing issue that I thought after previous communication it was settled.   In  2008 So ld a item on  XXXX . A   XXXX   XXXX   buyer disputed. because they paid by CC THRU payPal which  XXXX  owes, I automaticalle dlost the right to appeal and no buyer info was given to file a appeal what so ever. Basically, paypal is the judge & jury period ... esp since both companies are same.   Under  XXXX  rules items dispute dare to be returned to t he seller..   XXXX  did not enforce that rule nor wished to make any effort in doing so. ( they already made  $ ).    The attemped a chargeback on me. With out enforcing the rule of item to be returned to sender. I didnt allow that.. I have a judgement against the buyer, which is unenforcable in VA because resides out of state.I have cases against Paypa l &   XXXX  with Online fraud division, the BBB, etc. I have turned PayPal into collections as well.The item was then resold ( stolen merchandise ) ... .and the buyer gained additional monies. Illegal. Warrant has been issed.
Hello, On XXXX XXXX XXXX I received a phone call from Portfolio Recovery Associates LLC. In reference to an Account from XXXX XXXX Bank. I notified their office I had been in communication with XXXX XXXX XXXX for over 6 months disputing this account as this account was closed back in XXXX. XXXX XXXX bank could not verify these records and the account was removed from my credit file. I requested Portfolio to send validation/verification of this account on XXXX XXXX XXXX, On XXXX XXXX XXXX I received a letter requesting I send them all of my information? I have no idea who Portfolio Recovery is and quite frankly it is not my obligation to provide personal information when they are required to validate the account within 30 days. I sent another letter dated XXXX XXXX XXXX again requesting validation/verification of this account ( I just months 6 months with XXXX XXXX over this process ) and on XXXX XXXX XXXX Portfolio Recovery sent a letter stating they terminated my investigation. I did n't ask for an investigation I wanted validation/verification from their records. This account has NOT been verified yet when I dispute it with XXXX, XXXX, and XXXX, Portfolio verifies the account as valid and continues to report this account each month. 
I have sent a format request for validation in return nothing has been sent and collection attempts continue.
In XX/XX/2015 I had contacted XXXX XXXX XXXX in regards to XXXX medical collection. It was agreed that if the debt was paid in full it would be deleted from my credit report. I have tried contacting them with no resolution. The original debt was for {$120.00} and is paid in full and listed as closed on my credit report.
I pulled my credit and happened to see a major error on my credit report. I 've sent in 3 certified letters to all  XXXX  credit bureaus. Incorrect inaccurate, errored information that these credit bureaus are reporting. I 've asked the companies to show me verification of any documents or verify my signature and they have failed to do so several times and they continue to verify an account that has nothing to do with me.
My wife and I filed a joint application with Homestar Financial Corporation for a USDA Single Family Home Rural Development mortgage/loan. We have been ignored/mislead/lied to regarding the acceptance or denial of the loan by the USDA underwriters, among many, many other faults. Our loan officer told us that the USDA denied the loan, but after contacting the USDA directly, they informed us that they had in fact not denied the loan. They told us we need to contact Homestar directly. We have contacted the local Branch Manager, the Division Manager, and the corporate office 's Compliance Division. Corporate has told us repeatedly that the Division Manager will be contacting us, but he will not return phone calls or emails. A week after the loan officer lied about what the USDA said, we still have no answer as to what the true status of our home loan is. I have a word document that details the entire experience and our attempts to find answers.
I had a Target store card. The balance was {$6.00} which I paid in full and closed the account. The next thing I know is that Target charged me a late fee of {$11.00} on a  XXXX  balance and it now shows on my credit report as bad debt.     I 've tried to resolve it with them through a dispute but they answered with an " update '' and nothing has changed!     I have always had excellent credit and this {$11.00} charge is now affecting me on my upcoming purchases.     Please look int this for me as they should be removing it from my report.     Thank you!
The transaction that I disputed at XXXX XXXX for {$2800.00} made on XX/XX/XXXX was a fraudulent charge, not made by me. I was a victim of credit card skimming1 at XXXX XXXX XXXX in XXXX XXXX, New York. I have cooperated with police who have heard of many cases of skimming at the same location I was at. Credit card skimming is done while the card holder is still in possession of their card, so having my card of me while the theft happened can not be a reason to deny my claim. I was also made aware by a Bank of America representative that another reason my claim was denied was because I didnt call quick enough to report the fraud. To respond to this reasoning, the fraudulent charge was made on Saturday, XX/XX/XXXX and from speaking with a representative, I was made aware that charges cant be disputed until they are posted. Being that the following Monday, XX/XX/XXXX, was a federal holiday ( XXXX XXXX ), I was told the charge would post either Tuesday, the XXXX, or Wednesday, the XXXX. 
I initiated the dispute on Thursday, XX/XX/XXXX, a mere one day after I was informed the charge could post. Therefore, a reasoning of me waiting too long to call about the charge can not be valid. 

I have filed a police report and my bank denied me twice for something I did not do and because of it, I am extremely financial hardship that has resulted in me being evicted from my apartment.
I have been trying to modify my loan with US Bank since XXXX. They refinanced my loan from a private lender but never issued a satisfaction of mortgage. Once I hear they had not disbursed funds for payoff I stop paying the loan and attempt to modify the loan since the value went from {$550000.00} in XXXX to {$290000.00} in XXXX.US Banks has ignore my requests for proof of disbursement of funds to the previous lender. I then attempted to short sale the property and US Bank would not approve short sale due to lack of satisfaction of mortgage. Their reason for not modifying loan since XXXX is " lack of documents ''. I have hired an attorney and behold she is having the same issues. They do not properly log in receipt of documents and are missing documents vital to my loan. They have handled this loan very poorly and it is my belief that they have been fraudulent in their reason for not modifying my loan. US Bank is NOW trying to force a foreclosure and evict me from my home where I have lived for 10 years. My daughter and her son lives with me and we will be homeless. 
When Hurricane XXXX did significant damages to my home, my insurance issued checks over {$50000.00} and US Bank has kept checks and has not disbursed any funds to me even though I paid out of pocket for emergency repairs totaling over {$20000.00}. They are using poor business practices when handling large sums of consumers money and their willingness to modify mortgages loans is unacceptable, especially when they are the root of the problems. They received XXXX of dollars from government bailouts and they have not passed those along to help suffering consumers. I would like have my complete file reviewed to inspect for fraud and improper handling of business documents and funds by US Bank. Additionally they have received my funds from insurance company for emergency repairs for Hurricane XXXX. They have yet to disburse any funds to me even though I spent out XXXX of dollars out of pocket. Please help me. Thank you!
They have called my house today on a XXXX XXXX and wo n't stop. 

XXXX called - XXXX, XXXX, XXXX, XXXX. Phone number is # XXXX
I purchased a XXXX Ford Focus XX/XX/2007. The car was financed through Consumer Portfolio services. My interest rate is 17.95 %. I paid over four years and had to file Bankruptcy, they reported I still owed {$5200.00}. I was current on the car, when I had to file Bankruptcy, I feel they scammed me. And found out they have a case that was filed with the Federal Trade Commission, for these unfair practices and need help. My paperwork shows that they over charged XXXX on my debt and need help proceeding. Due to high interest I feel I am owed back that plus all the fees
I was approved for a loan modification and was given a lower payment to pay for 3 months before the start of the modification period. The bank reported it as late payments for 90 days when they told me it should say paid a lesser agreed amount.
I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from XXXX and found out I owed about {$78.00} to XXXX. I paid XXXX I believe in XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called XXXX a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.
On XXXX XXXX, 2017 the allege debt XXXX XXXX XXXX. is reporting as owed is inaccurate and has been discharge pursuant 11 U.S. code 727. XXXX XXXX XXXX is reporting false information to EXPERIAN. I have made several attempts to settle this matter and XXXX XXXX XXXX. continues to cause injury and damages to my personal credit, defame reputation, and slander my character. XXXX XXXX, XXXX is in violation of Fair Credit Reporting Act, Fair Debt Collection Practice Act, and NEW YORK STATE Debt Collection Laws..
I attended XXXX XXXX from XX/XX/XXXX in the XXXX. They promised me competitive job wages, job placement and above all affordable loans. When i was about 6 months into the program i had acquired a decent job, and was unable to get anymore federal loans and decided i was just going to quit the program and cut my losses.. They informed me that if i dropped out i would be held responsible for the entire cost of the program without obtaining my XXXX degree, and not to worry because the loan payments were very affordable and kept urging me to apply. They were constantly pulling me out of class to discuss loan information. I didnt want to get kicked out liked they had threatened, so i continued to apply for these loans. They assured me they had other " affordable '' loan options thru a private company called XXXX, a.k.a., peaks loans. When i had to start paying back my loans, the payments were way too high to afford. The only options they gave me was 6 months deferment, and a graduated payment plan that only applied to XXXX out of the XXXX loans, and were still XXXX a month, with an increase every six months. I told them I couldnt afford that either, and they asked what i could afford. At the very most, XXXX a month was it, to which they replied id default on my loans. I asked what would happen if i just sent in payments, they told me it wasnt even enough to cover the interest and they would pursue collection action. They kept telling me the wages in this field were very competitive and that i would have no problem paying back my loans. Once i started getting phone calls from XXXX, they were rude and i felt like i was getting calls from a collection agency. When i tried to call the school and talked to the person that was in charge of my paperwork iwas always told they were unavailable and to leave a message. Of course, i never got a call back. I wanted to know why i had signed paperwork for loans that were supposed to be affordable but werent. The starting wages for this position were mostly at 10 dollars an hour, barely above minimum wage at the time! I have a family to provide for, I couldnt afford that let alone, make high payments with high interest rates. Ive read so many stories like mine and it makes me angry that they bullied me into something i could have and tried to avoid. Right now im trying to consolidate my federal loans because i cant even afford those either, If theyd been honest with me about dropping out i wouldnt be in this situation. Id also like to add that the schooling was mediocre at best. There were times in some classes when our teachers would tell us to just " XXXX '' something instead of actually teaching us. This school was a joke and has completely wasted my time and now ive thrown away XXXX dollars of my money im going to have to pay back.
A credit card account was opened by someone within the bank under my name and used. I 've contact all  XXXX  credit bureaus several times but NAVY federal credit union told them those account is mine, I sent NAVY federal credit union FTC 's Identity Theft Affidavit form and they never resound to my request to provide me with verification of account belong to me. As of today NAVY federal credit union keep reporting to credit bureaus with delinquency info in my credit report, which made several lenders to deny home loan refinance.
I qualify for the XXXX buyback. I 've gone about XXXX to XXXX time over the years to get the problem fixed. Most recently 2 weeks ago. So I asked how much I would get for my truck if they were to buy it bac they offered XXXX I owe about XXXX. My problem is I bought it new in 2013 I have n't used it recently becouse of the risk that 's involved but I do n't want to give it away to XXXX. My total cost with financing is XXXX I 've paid about XXXX I owe XXXX. I have about XXXX recalls on it do I qualify for the lemon law for the reason they do n't have part for it and have n't had any till present day. My vin number is XXXX
Hello, I want through a tough divorce in XX/XX/XXXX and lost my job in XX/XX/XXXXand had to start over. I went through some great financial hardship and 2 of my accounts one with capital one and another one with XXXX XXXX credit cards went into collection. Once I got back on my feet I made settlements and paid both accounts based on the settlements with the company. After multiple attempts of good faith and currently being a card member with capital one, it is still showing in my credit report and making it nearly impossible for my score to increase to good credit. I have disputed multiple times with the credit bureaus and have contacted capital one and XXXX XXXX directly for a resolution to no avail. Yes I made a mistake and should have called during the hardship but its been since 3 or 4 years now and I have paid my dues and just trying to improve my life and credit. Please help me get a second chance. Thank you very much.