WillisBack/dataset-financial-user-claim huggingface dataset:
se told me we were in Underwritting. I was told they had all Letters and DOCS, and were in the hands of the underwritter. I was told 2 weeks and I would have an answer.Next thing I know XXXX calls and tells me that they now have my mortgage I find it sad that Chase played me the whole time. They kept finding reasons for delaying the final answer. Chase wasted 2 months. They could have had the whole thing wrapped up. But, They wasted my time. Now pretty much I have to start the Mod all over again. Wasting time seems to be Chase 's thing. Now I will have to begin the process all over again.
Hello, I disputed XXXX accounts with XXXX XXXX XXXX XXXX and there were deleted from my Equifax credit report. I have a account with XXXX XXXX and I just check my report today. Now my report is showing XXXX charge off account with XXXX XXXX XXXX XXXX. I 'm thinking is this a joke. Why investigate negative information that do n't belong to you and it gets deleted and within 2 months it appears back on your report.
I received a letter in the mail today from a bankruptcy office stating that a company named NAR INC. was awarded a judgment against me on XXXX/XXXX/2015. This is the first Ive heard of it. Previously, I had tried to work out a payment plan with NAR, INC ( North American Recovery ), but they would not accept anything lower than {$50.00} per month. I failed to pay them the XXXX payment due to the fact I could n't afford this payment, now 1 month later they were awarded a judgement? They would not accept the {$25.00} a month payment I offered them. Then I never heard from them again. Now I 'm getting a notice from a bankruptcy lawyer wanting my business. I had no idea there was a court date, or if there was even a court date. I would have liked the opportunity to tell a court how much I could afford to pay them. I just checked my credit report, and sure enough there is a judgement against me.
I have been waiting for ETrade to return my {$100.00} checking account balance for XXXX XXXX months since requested ( 5 months after I closed the account ). 

I opened an account with ETrade in XXXX 2015. After a few weeks of 'please resend this or that document ' and them losing the documents, I closed my accounts ( checking, brokerage, ira, etc. ). I closed the accounts in XXXX 2015. It 's been 8 months and they still have not sent me the initial deposit I transferred into the account. ( I never used the account, initial deposit = {$100.00}. ) I 've made multiple calls and each time I 've been told a different story. Finally, on XXXX/XXXX/2015, a XXXX XXXX XXXX indicated they would send me a check and it would take about 10 days. Well, it 's been 84 days and nothing. Since I have no checks, no ATM card, and no access to the account, I ca n't do anything but wait.
Last fall, we purchased a XXXX XXXX XXXX from XXXX   XXXX, XXXX, AL, financing it through Bank of America ( BOA ). Later that fall, we secured financing through XXXX XXXX XXXX and they paid off our BOA car loan. I received a letter from BOA dated XX/XX/XXXX verifying that the loan had been paid " in full as of XX/XX/XXXX ''. The letter also suggested I contact the dealer if I bought optional insurance or ancillary products. I had purchased " gap coverage '' from them, to cover any gap between the value of the XXXX and the amount of the loan, in the event of accident, etc. 
I went to the dealership, confirmed that this was indeed the case and requested a refund. This was in early XX/XX/XXXX. They told me they would be sending the refund to BOA, since that was the last loan holder in their records, and they directed me to contact BOA, later. On XX/XX/XXXX, I contacted BOA ( " XXXX '' ). They had no record of a payment. I went to the dealership and secured proof the check was written XX/XX/XXXX and cashed by BOA on XX/XX/XXXX. On XX/XX/XXXX, I called BOA ( " XXXX '' ) and informed them of this. They still had no record but agreed to research it. I subsequently received a letter ( no letterhead ) stating a payment of {$750.00}, was applied to my account on XX/XX/XXXX. On XX/XX/XXXX, I called BOA and eventually spoke with a supervisor, " XXXX '', who also denied record of payment. I returned to the dealership and, at XXXX 's direction, had them email to the given email address a copy of the canceled check. On XX/XX/XXXX, I called BOA ( " XXXX '' in XXXX 's absence ), and she had no record and could not access XXXX 's work. On XX/XX/XXXX, I called BOA, this time being handed off to " XXXX '', who also had no record of any of this and tried to persuade me that they were owed the refund and had already credited my account for {$750.00}, back in XX/XX/XXXX, and the check for {$740.00}, sent by the dealership was simply covering that credit they had made. I asked for the address at BOA for me to file a complaint, and he eventually gave it to me ( after the third request ).
On XXXX XXXX, 2016 in the morning i contacted my navy federal credit union and asked them to realease my direct deposit early in my checking account ending in XXXX, she did just that i also asked her to transfer money into my finance account the amount of {$100.00} and my other checking account was in the negitative of {$13.00} i made that positive i than asked her to give me the balance and than transfer the money into my account ending in XXXX she did n't do that so i begin to swipe my card the next day on XXXX/XXXX/2016 and now i am in the negative of {$67.00}. i spoke to a manager name XXXX on XXXX XXXX, 2016 and he credit both of my accounts {$20.00} and said i only owe {$180.00} in the XXXX account i put the money in that account on XXXX/XXXX/2016 i put {$200.00} in that account and that 's when i got the balance of {$47.00} that i owe based on the transations, i spoke to XXXX the supervisor on XX/XX/2016 and he did n't look forward into this matter he said he listen to the tape on both days and he would give me a call on XXXX/XXXX/2016 and i never received a call because he knew that he did n't look forward into this matter and sided with the young lady that was wrong and messed up both of my accounts.Now they are asking me to pay the money of {$67.00} i do n't think that i owe this money at all because of the neglect of the young lady not doing her job and transfering my money into my account ending in XXXX.
I recently signed up for a American Express Blue Cash Everyday card. Upon signing up a scheduled an automatic payment so that the required payment would be paid in a timely manner. I received a confirmation XXXX/XXXX/2016 that my automatic payments were set up. My first payment date was n't until XXXX/XXXX/2016 ; however, I recently received a late payment fee of {$27.00} since the automated payment was not processed. I called the customer support number and learned that even though I configured my automatic payment over two weeks in advance that it would not start until XXXX/XXXX/2016. This resulted in the company charging me a late fee even though I had actively tried to set up payment.I had to contact the company and they made it seem like it was my fault for not paying the first payment on time and that they were doing me a courtesy in refunding my late fee. I think there are probably many people that are in the same situation as me but may not been as vigilant with their statement.
In the letter dated XXXX XXXX, XXXX, American Express has informed me about the closure of the American Express Delta SkyPoints credit card effective XXXX XXXX, XXXX. This credit account was opened on XXXX XXXX, XXXX. 
This action, initiated by American Express, will negatively affect my credit score because of the two reasons : ( 1 ) closure of the existing account, and ( 2 ) decrease of the total amount of available credit. 
After speaking with American Express on XXXX XXXX, XXXX, I requested to transfer this account to a different credit card product to avoid the anticipated negative effect on my credit report. American Express declined and offered no solution. A formal complaint with American Express was filed on XXXX XXXX, XXXX.
XXXX XXXX XXXX Threatning Me calling my relative s that I do n't know about
Southwest Credit Systems  claims i owe over {$1000.00} on a phone bill!
XX/XX/XXXX we filed a chapter XXXX! The BMW was not included at all in the bankruptcy! I turned in the BMW in XX/XX/XXXX! And yet they are still dinging my credit without my approval! This is definitely hurting my credit rating! I feel like I'm a Target I work very hard to have very good credit and yet they're still dinging me! This is America which is XXXX, I'm sure there's many XXXX people who experiencing the same situation! Trying to destroy us for no other reason than the XXXX of our skin! 
XXXX XXXX XXXX
TransUnion is not accurately scoring me. I have done several disputes and the score keeps dropping. Something is wrong. 
My debt to income ratio is low, same job for 31 years, no mortgage, paid off high debt, very good salary - yet my score is hooverting around XXXX?????
XXXX XXXX and XXXX  XXXX XXXX are reporting negative accounts on my credit reports. Not only are they reporting false information the information that they are reporting is not mine information. I called and spoke with the creditors and requested they provided me with documentation showing this debt belongs to me. After further review of the paperwork they have a different social security number on the contract. I called the credit bureaus to report this inaccurate information and they failed to follow up. They stated the information was verified. I sent in a copy of the contract from the company showing the social security number on the contract does not belong to me.
Wired Funds to Ocwen on XXXX XXXX, funds previously wired credited properly with same information. Credit has been damaged due to Ocwen reporting base on their error. Unwilling to immediately correct situation which blocks my chance of refinancing and rates are going up. This error is now costing me money as rates rise and has lowered my credit score
I have repeatedly requested a credit line increase from Capital One over the past two years. I 'm always provided some kind of non-sense reason as to why I 'm being denied an increase - I have n't utilized my credit, I have n't made large enough payments, etc .... I believe that Capital One is acting in a retaliatory manner by denying me a credit line increase because I 've filed several CFPB complaints about this issue. 

I am not able to take advantage of the balance transfer offers available on my account because I do not have enough available credit on my account. I simply want a credit line increase to {$12000.00}. I am employed full-time, I make a good salary, I own my home, I make all my payments on time.
Equifax released my credit report to these individuals without my permission. These are fraudulent inquiries. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX
As a Bank of America customer, I got automatically enrolled in the Bank Of America Privacy Assist program in XX/XX/XXXX and was charged $ XXXX/month since then. I saw the press release published at : XXXX I canceled my account today ( XX/XX/XXXX ) and wanted to get a full refund starting with XX/XX/XXXX. The customer representatives from BOA Privacy Assist stated that my account was not affected by the " unfair billing practices '' mentioned in the press release, i.e., I was not part of XXXX customers. Would it be possible to confirm that this lawsuit affected only a subset of Bank of America Privacy Assist customers, or am I being deceived by the Privacy Assist team?
Hello, Just an fyi, you may find more than one complaint from me as I have an open bankruptcy case. I tried disputing the fact that Experian is reporting XXXX as an open account on my credit. This is part of Chapter XXXX bankruptcy XXXX filed XXXX XXXX, 2016. I contacted XXXX today and they told me that they contacted all XXXX bureau 's on their end and have done everything they can. So it is an Experian issue. I tried disputing an Experian popped up and said I cant and said they cant give me a reason why. The only # is automated and not for disputes. 
I should not have to purchase a report, which I cant afford just to dispute. 
Thank you XXXX XXXX
I have been using Citi online banking for my credit card since XX/XX/XXXX. Starting from XX/XX/XXXX I was not able to login to my online banking account any more. So I called Citi customer service on XX/XX/XXXX, hoping to figure out what's happen because I did not change my password. 
However the representatives were a nightmare. They kept transferring me to the next representative for 13 times without giving me any resolutions at all. Also my calls have been dropped 3 times. I've been on the phone for 2.5 hours and haven't gotten any useful information from Citi.
XXXX   XXXX   is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them  XXXX  they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are  XXXX  and that 's a lie! I am going to make sure  XXXX  pays for their lies all the time.
On XX/XX/18, I checked my credit reports because I want to make some major purchases soon. I checked and found that XXXX XXXX, XXXX had illegally posted a collection account. I have never heard of nor had an account with this company. I have no knowledge of this company nor this debt. I have never had any dealings with them. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that allege account until after I sent them a notarized debt validation letter. Attached is the letter I received from XXXX XXXX, XXXX that is not proof that I have an alleged account with them. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with an account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 )  contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, they have not provided documented and written proof that I am the contractual, signed account holder and I never received such a letter about this account ever in the mail until I sent them a notarized debt validation letter. They have illegally posted and reported this erroneous account to my credit file file without adhering to the FDCPA laws. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws by reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously because of this account. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and other opportunity costs that have to be delayed until this illegal account is removed. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX
I personally called Citi Mortgage the first week of XX/XX/XXXXto get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX  on all the stress they put us all trough
( a ) Attempts to resolve this with XXXX XXXX are futile ... I was disconnected after requesting, then demanding a supervisor. 

( b ) Month after month, I have issues with XXXX having a friendly digital relationship with my XXXX  XXXX XXXX.. First, I can not efficiently use my online bill pay feature with XXXX due to a cooperative institution to institution relationship. Secondly, XXXX must then cut a check and send it as though this is some small mom & pop creditor. Then the payment of my transactions are greatly delayed. Creating the need for me to call every month and demand they clear a XXXX check so I can use my card. 

( c ) Made a purchase with XXXX on XX/XX/XXXX and discovered the hotel was grossly over rated and I should not have been charged this amount of XXXX.. This charge should be disputed as
On XX/XX/2016 my son, XXXX XXXX XXXX, died. He had set up a living trust with his XXXX sons as successor trustees. He had created a trust banking account with Chase Bank. There are funds in that account totaling approximately {$450000.00} which the bank has thus far refused to release to the boys. It has been 5 months now and the account has only accrued {$13.00} in interest. This appears to be criminal in my opinion. The boys wish to invest in homes for themselves with these funds.
JGWenthworth is holding my escrow funds indefinitely and not paying me interest on my funds. I already paid off my loan. Furthermore, they stole {$30.00} as a last bite out of my escrow after I paid off my loan. I believe JGWentworth is violating Federal Mortgage Housing Lending regulations. They are disgracing US service men who are serving or have served their country.
Wakefield & Associates is reporting 3 collection accounts that I'm not liable for. The original creditor states that the contract was cancelled. I sent a formal dispute along with my identity theft report to them and the credit bureaus but they still have not updated my report accordingly. I have done everything to show documentation of the facts which is that these collections are inaccurately being reported by this collection firm.
I have a collection account listed on my credit reports by a debt collection agency, Deville Asset Management, collecting on behalf of XXXX. Deville Asset Management is not license to collect in the state of Texas. Therefore I am disputing to have this collection account removed.
Between XXXX and XXXX I received three calls from an unavailable number ( one call being before XXXX ). He stated his name was XXXX XXXX, a legal courier. He did not mention the name of his office, but stated he would be serving me papers either at my residence or place of business on XXXX. I was advised to call XXXX re : claim # XXXX. 

When I called the number I was told that because of an outstanding payday loan to XXXX I was to be charged with " bank fraud ''. But the attorney would be willing to settle my case for XXXX split into 2 payments. 

I was nervous and not yet done my due diligence so I provided a debit card and sent the approval forms. However after doing so I realized that this was not legal nor did it make sense. I took out a payday loan w/ XXXX, but thought it was repaid. And have received zero communication. Plus the loan amount was {$250.00} with a fee of {$45.00}. 

I called back and left numerous messages that they a ) needed to provide details to the account and b ) could not take the money from me and c ) if they did I would dispute to my bank. Additionally I emailed regarding the same. The three times I called were during their noted business hours and my call was redirected into an unknown voicemail each time. 

I will be disputing the charges to my bank today as they did withdraw the money.
XX/XX/2018 payment shows late but it was never late. Called the customer service to report, but they said I have to dispute it with credit bureau they can't fix it automatic.
I have had a shortage in my escrow almost every year since I opened my loan in 2009. My taxes nor insurance have increased in these years. In fact they decreased. I applied for a modificiation in the beginning part of this year. At the time I applied my mortgage was current. I have not missed any payments. My Escrow is currently short {$700.00} as well as {$720.00} of my payments were applied to fees. I should n't have any fees because my account was current and still is current. A representative told me that there was no money applied to my escrow XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This needs to be corrected as well as investigated because I should n't have a shortage in my escrow every year.
Letters to XXXX XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. After calling the company who could find no record of my account but stated they had a fire 15 years earlier in their records storage building. Second call with my brother XXXX XXXX with no satisfaction I wrote to the XXXX, XXXX XXXX. 2nd letter brought a response, also not satisfactory. 
Letter in response from XXXX XXXX XXXX/XXXX/XXXX,
In XX/XX/XXXX My XXXX accounts were transferred to Transworld Systems Inc. Th credit limit of the XXXX card was {$6000.00}. There was about {$5000.00} charged to the card. The XXXX card had a credit limit of {$8500.00} and there was an outstanding balance of about {$7200.00}. ( I do not have exact amounts ) My taxes have been offset through the XXXX program each of the following years : XX/XX/XXXX {$8500.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$1800.00} A few weeks in a notice dated XX/XX/XXXX I received a notice that I have an outstanding balance of {$24000.00} Yesterday XX/XX/XXXX I called and requested an itemized list of fees and charges and was told they do not provide such information. 

The combined maximum credit for the XXXX accounts was {$14.00}, XXXX. Payments through tax offsets have already totaled {$12000.00} I am not sure what my rights are, but these fees and penalties seem unbelievably high. I want to address this so I can resolve it once and for all but I have no idea what I am being charged for. These collection practices are horrible. Any assistance you can offer will be greatly appreciated.