WillisBack/dataset-financial-user-claim huggingface dataset:
Sent out dispute letter XX/XX/XXXX.
Account not validated.
Called XX/XX/XXXX and XX/XX/XXXX. 
Customer service was unable to help me.
On XXXX XXXX, 2014, XXXX XXXX XXXX contacted me and offered to mentor me in my online business as per description of services : Business Entity Setup, Corporate Credit Building and Training Basic and Social Media Pages Buildout & Design Basic. They charged me {$16000.00}. Because the company double charged me on my XXXX XXXX card by {$5400.00} - XXXX XXXX did get the overcharge back for me. XXXX did not perform as contracted, so I requested reimbursement of payment through both Credit Cards ( Citi Bank {$6500.00} ) and ( XXXX XXXX {$5400.00} ). I was informed XXXX XXXX XXXX eventually was accused of Fraud and was shut down. At the time I complained to the banks, they were still open. Initially Citi Bank reimbursed me {$5000.00} but then they recharged me because they said I was too late and they never submitted the claim to the company. I am writing you to request assistance in the return of all my money totaling {$11000.00}. I am attaching all of my paperwork. Please contact me at XXXXXXXXXXXX or call me at XXXX. If you need anything further, kindly advise. Any assistance in this matter is greatly appreciated. Thank you.
CONSUMER COMPLAINT RE : DITECH FINANCIALL LLC XXXX ( XXXX ) XXXX RE : PRINCIPAL PAYMENTS & DISCREPANCY ON PRINCIPAL BALANCE The XXXX issues of concern with DiTech Financial are : 1 ) Monthly principal payments of XXXX that are directed to principal payment only are not properly allocated. I have had to call DiTech customer service frequently to request monies to be reallocated to principal payment As a result of my frequent calling, I have been monitoring & printing my monthly on line statements for my record keeping. 
2 ) My on line XXXX 2016 statement shows a principal balance of {>= $1,000,000}, the following month 's on line statement shows a principal balance of {$68000.00} a difference of {$1000.00}. I contacted DiTech via phone and email regarding this discrepancy. They sent me a letter via e-mail indicating my account will be reviewed and a written response would be provided with the 30 days of receipt of my email of XXXX XXXX, 2016. Additionally on XXXX/XXXX/16 I faxed a copy of my XXXX 2016 on line statement to DiTech ; clearly noting the principal balance of {$67000.00} this according to my records is the accurate amount. 
Yesterday, on XXXX XXXX I called DiTech once again, spoke with a supervisor, named XXXX. I relayed my issues of concern again. I shared I have not received a written response nor a response from the XXXX email I sent. She said a written response was mailed out along with audit of my account. I told her I did not receive it. While on the phone with her she e- mailed the written response along with audit of my account. 
The result of their audit shows the principal balance remains as {$68000.00}, a figure I do not agree with. 
XXXX shared the following : mailed statements vs. on line statements do not have the same figures. This is due to the maintenance of my account and payments being reallocated to principal. 
This explanation is not acceptable nor does it make sense. I am very concerned about this company 's business practices. I do not trust how they are handling my monies. As a result of my experience with DiTech Financial, I went on line and found a website with over XXXX complaints regaarding this company which I have included for your review : Top XXXX Complaints and Reviews about Ditech ... 
XXXX I would greatly appreciate your assistance with the issues of concern I have mentioned. In addition to investigating this companies business practices and how they are managing funds. If further information is needed, please contact me on my cell phone. 
Thank you so very much
Portfolio Recovery Associates, LLC  claims to have acquired a debt by a  XXXX   XXXX  for a supposed purchase at a   XXXX   XXXX  .   I did not make this purchase. I have never heard of  XXXX  Bank and never received a bill from THEM for this supposed debt.   This REEKS of a scam
I had a mortgage with Chase bank. I purchased the house for {$340000.00} and the mortgage was for {$380000.00}. They told me that I qualified for a grant and that it would cover my down payment but instead the {$20000.00} down payment was added to the mortgage. I tried for multiple years to modify the mortgage because of hardship and because the house I purchased was not worth the amount I bought it for. The modification took so long because they keep on losing my paperwork, saying they never received it. In the end I was forced to do a short sale because the bank refused to work with me in lowering my mortgage payments.
A hold of {$110.00} was put on my american express server One VIP card Saturday XX/XX/2016 while checking into the XXXX XXXX in XXXX. I called the the hotel today Monday XX/XX/2016 to ask why the hold was still on my card when I checked out Sunday morning XX/XX/2016. XXXX advised they released the hold upon my checkout that it was my card merchant American Express Serve that still had the hold on my card. I contacted American Express Serve and they advised the could n't release the {$110.00} until XX/XX/2017, because the do n't have the authority to in their system. Even though I had the XXXX XXXX on the line and told them I had no other pending hotel charges. It 's a blatant attempt to keep my money on their books for at least 30 additional days, and I consider this flat out FRAUD ...
The company is reporting adverse information to the credit reporting agencies ( XXXX, XXXX, Experian & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.
paid this account off in full {$130.00} as is was stated on my credit report from my checking account XX/XX/2018, never receive a confirmation from them by u.s. mail or e-mail. so I called maybe a month later talk to a lady named Ms XXXX but said she could not help me so she try to put me in touch with XXXX XXXX which took a few days before I could talk to her, and when I did talk to her she said that she would have to talk to her manager about my account because is was showing {$130.00} and I only paid {$130.00} but as I told her I paid what was showing on my credit report which was {$130.00} if it would had said {$130.00} I would had paid that so this company XXXX XXXX XXXX XXXX  XXXX Georgia, so nothing was done with her so I called her back a couple of times and it went to voice mail saying that it was full. so I called back the next day and they put me in touch with a Mr XXXX XXXX and he say that he would see about it and at this time nothing has been done but they have my money I am very upset about this they have reported it to one Credit Bureau XXXX, and when I called back nothing still has not been done with the other two Credit Bureau XXXX  or XXXX so I need some help please in getting this resolved
Saw a hit on my credit bureau from a collection company. I called the number and was told they were collecting for XXXX XXXX. I advised that the debt was not mine and I had never received notice of debt before going on my bureau. They told me they had the wrong address which is why they did not notice me. I told them to remove debt and they refuse.
Freedom Mortgage does n't keep a running total of the amount that I 've paid in to escrow. I could n't locate this information on their website, nor their mortgage statements I 've received. I have paid additional funds toward escrow and I ca n't locate that information. I believe it is a Reg Z requirement to provide detail regarding these amounts.
Hi, Wow, where do I start? I took out an installment loan with a company called Speedy Cash to pay for registration for a new car after my old one was totaled. I was in a bad way, in a difficult job not making a living wage, and had just borrowed money from family to buy the car. I really needed the money, so I took the best deal that I could find. Bad move. 

My credit is n't great ( though it 's light years better than it was even a year ago ), so my loan options are less awesome. Paying Speedy Cash is fairly straightforward, but my issue is with their ACH authorization. 

I now know that I never should have signed that document. I understand that I have the right to revoke authorization, but their agreement stipulates that if I revoke authorization they 'll attempt to withdraw the full amount due for the loan from by bank account via preauthorized draft. I would like to revoke ACH authorization and pay monthly on agreeable terms, but that provision makes revoking authorization impossible. 

I understand that I agreed to this and that there are consequences to that, but still, it seems that this is n't a great situation to be in. I do n't know if you folks can help me, but I sure hope so. 

-XXXX
In XXXX of 2018 I called my bank requesting a cancellation of my debit card due to unauthorized charges by a merchant i cancelled services with. The bank, in their response, asked me to go into my nearest branch and cancel the card and request a new card ( which would take about 7 days ). I went into my local branch to make the change and was told the card was cancelled and that a new card would be sent. In XXXX I was again received unauthorized charges to my card by the same merchant ; I then contacted my bank and alerted them to the problem and they claimed the teller never cancelled the old card and that it was still opened, even at that moment. The bank then told me that they were cancelling the card and that they would open an investigation on the merchant. I explained that at this point the issue was not with the merchant, but with them for not executing the cancellation, and that i wanted my money back. They complied and reversed the charges, then sent a letter confirming their actions. I just went into my account and saw, that again, they reversed the money originally taken out of my account, siding with the merchant, even though it was their error of not cancelling the card. I requested to speak to a manager or someone with higher authority to deal with this issue, yet they are sending me in circles without any resolve.
The person managing my account at Alliant Capital pressured me into an agreement that was not fair, timely nor consistent with other pay day lenders repayment plans. I agreed to the payment plan on XX/XX/2018 due to the insane pressure, however, I decided to use my bonus to take out a loan from my 401K so I could pay all my debt and not file bankruptcy. I called Alliant Capital back onXX/XX/ to advise them I could not pay the XXXX on XXXX but I would have all the money by XXXX to pay the settlement. I also questioned why their settlement was so high asking for more interest and fees removed. I borrowed XXXX and paid XXXX. They are asking for XXXX. I kindly asked for a little more time and could even show proof I have requested money from my 401K. I reiterated that it was crucial to withdrawal this money so I could pay all my debts and not file bankruptcy. She was nasty, loud and did not care about anything I had to say. refused to cooperate, threatened me, and would not even consider asking for a little more time. Did not even offer a small payment for good faith this month and I could pay the rest in XXXX when I received my payout. She lectured me, pressured me, accused me. Every other lender I am working with has been more than willing to work with me and be kind. I ask that the company and she be reprimanded for their behavior, stop threatening tactics and be willing to work with the client. Obviously, we are in this situation because we are in a financial hardship. I would rather take a hit on my 401K versus filing bankruptcy. I ask that this company work with me to come to a fair settlement agreement. I'm sure I'm not the only customer who has been treated this way. She should have done everything in her power to work with me. Not lecture me, raise her voice, offer no solution, threaten to sue me, etc.
There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : Experian, XXXX and XXXX.
I would like to request my personal information to be updated correctly. I choose to opt-out of all pre approved credit card ads and insurance promotional screenings. 
My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. I am Self Employed Owner of XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX
I kept going on there and my child was always sucking on the wrong pacifier and all of his pacifiers had his name engraved on it. I kept bringing this up but it was never fixed. He was always crying when I picked him up or go to drop him off. He was n't happy there. I gave my 2 weeks notice to the daycare and took my son from that daycare in XXXX XXXX. I have not heard anything from them, then I go to buy a house I 'm XXXX XXXX, and see they sent a collection in XXXX of XXXX stating that I owe them {$510.00}. One they never contacted me about anything, two I have them notice.
I entered into a loan for {$600.00} on X/X/2017. When I went to the website to submit my payment there is a minimum payment due of {$180.00}. I 've made {$180.00} payment every two weeks since XX/XX/XXXX through XX/XX/XXXX for a total of {$2100.00} debited from my bank account. I have bank records showing each debit as well as the initial loan deposit. They are still asking for the full balance of the loan plus interest.
I have a mortgage with PennyMac Loan Services LLC. My payment was originally {$750.00} for a {$100000.00} 30 year fixed rate loan at a interest rate of 4.5 %. After my first year at the house I received an annual escrow account letter stating that they had calculated wrong and were putting more in my escrow account than was necessary. They gave me a refund of {$1000.00} and told me my new monthly payment would be {$650.00}. I continued to pay my loan, on-time, for the next year. Since buying my home I have never been late for a payment and always rounded up and paid more than the minimum monthly amount. I always fax the company my tax bill when I receive it to ensure they have the information they need as well as my homeowner 's insurance. I received the tax bill this year and did just that. A few months after faxing the tax bill I get a delinquent notice saying my taxes have not been paid and I owed a late fee. So I called Penny Mac and they informed me it was their error and they did n't pay it. They said they would pay the bill and the late fee and the late fee would not go towards my bill as it was their fault. Later on this year I received another annual escrow account letter from PennyMac. They informed me that there was not enough in my escrow account, that I owed them {$4000.00} and a new payment of {$800.00} a month OR they could disperse the {$4000.00} payment and I could pay {$1100.00} a month. I was shocked and called the company assuming another error had occurred. They told me that somehow they forgot to put enough in my escrow account for taxes so they paid the bill and that 's why I owed them {$4000.00} plus my payment was going up. I told them this was unacceptable, that I could not pay a {$4000.00} out of pocket and that upping my payment from {$650.00} to {$1100.00} because of their error was unacceptable. The best they could do after being completely insistent was to spread the {$4000.00} out over 24 months and my monthly payment would be {$880.00}. They then told me I should call them when I receive a tax bill, not fax it, and wait on the line for a person and confirm with them that they have the tax bill. I can not believe this company and its errors. This dramatic difference in payment could be the difference for someone being able to afford to stay in their home or not, it could affect their decision to have a child or not, to take on a roommate or not, or take a trip, go back to school, etc. This company is so error-ridden and expects you to just handle whatever bill they recalculate after their errors. I am incredibly disturbed that they handle my mortgage.
I am the sibling of a person who owes a debt to this collector. The collector is using skip tracing to locate family members and is calling harassing us for the whereabouts of the person who owes the debt. They have repeatedly called my home number. There is no way possible my sibling has this number listed to them as a reference because he himself does not know it. I have asked that they not call only to turn around ten minutes later and receive another call. They should be addressed for improper debt collections methods. They should have recorded calls with me for XX/XX/2018 @ XXXX advising them that they should not be contacting me regarding a debt and I don't have an account with them.
This account is a Capital One # XXXX ... ..I was sue by Capital One even I prove I have some fraudulent Charges. They credit part of the balance so I paid out of the court part of the balance to there 's attorney and the main problem they do n't recognize that I have paid in full the remaining balance. I have my XXXX report and still show some remaining of {$2700.00} and the status is report as Delinquent. I need help to completely removed as a result of affect my credit life style
For my CitiPremier card, I was told by XXXX on XX/XX/2019 that my sign up bonus of XXXX ThankYou points will be updated by XX/XX/2019. It is now past this date, and I still do not have the points. Please post the sign up bonus, as it is now late from the promised date.
I opened the citi bank account on  XX/XX/XXXX .  And I was qualified for the promotion of {$400.00} offered by citi then for account opening and deposit. But it had been almost 9 months since then. I still has n't received it yet.  <P/> In the past months, I submitted all documents citi required. But every time, they said it worked now. But every time when I checked with them again, they would found an excuse and mentioned I was not certified again.  <P/> For e.g, I went to citi bank branch to meet a personal banker directly and submit the documents they asked again  2 weeks ago. T he personal banker mentioned it  may  need around one week to process it but I still has n't received anything and even the personal banker did not respond to my email.  <P/> I am really angry on it.  Citi  is playing games with customers.
Ditech sold my mortgage loan in XXXX XXXX and my XXXX XXXX payment was due to a separate bank. I made both XXXX XXXX and XXXX XXXX payments with XXXX check ; both payments were made, in full and on-time. Ditech then repurchased the loan, less than 30 days later, XX/XX/XXXX and created a disaster. 

Ditech associated my original loan with the incorrect property address, they began mailing things to an address that does n't exist, they had people other than my husband and I listed as borrowers, they transposed our dates of birth and associated completely incorrect social security numbers to the loan ( SSNs that do not belong to my husband or I - perhaps they belong to the listed borrowers?? ). Ditech also changed the payment amount of our FIXED RATE loan and failed to accurately post the payment made in XXXX XXXX ; due to the incorrectly applied XXXX XXXX payment, every payment since then shows up as a late payment and my account has been past due for 60+ days according to Ditech XXXX 

For XXXX weeks neither of us could even speak to anyone at Ditech because all of the loan information was incorrect so we did not know the information needed to get through the security prompts. I have been getting collections calls constantly and because the loan account numbers, social security numbers, dates of birth, borrower names and property address were all incorrect at the time of the loan transfer, this is an issue that must be corrected at the corporate level ; wherever the original changes were made to the account information. 

Today I learned that since nothing is matching up on the original or the current, repurchased account, the folks at Ditech can not even see my XX/XX/XXXX payments and my original Ditech account and my current, active Ditech account are not linked to one another. This gives me concerns about the validity of the loan that 's assigned to me via Ditech ; I 'm not even certain my husband and I are the appropriate borrowers for that loan. This is especially concerning since the social security numbers, borrower names, home and property addresses and various account numbers did not reconcile at the time of the loan transfer. 

I have requested copies of the promissory notes associated with the original Ditech and the repurchased loan but have not received one reply. I have been referred to XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ) in Ditech 's corporate office for assistance but all she does is refer em to customer service and they can not assist. 

I have been told numerous times that the issues with my account can not be corrected at the customer service level ; they must be corrected at the corporate level. I 've been referred by both customer service managers and collections managers to XXXX XXXX ( XXXXXXXXXXXX ) in the corporate office to resolve ; she has been aware of this for more than 6 weeks and has failed to take any action whatsoever.
I was a cosigner on an auto loan for my wife with Santander. We completed an online change of address with Santander on XXXX/XXXX/XXXX from our XXXX SC address to our XXXX SC address after relocating. My wife and I later separated. She contacted Santander in XXXX XXXX and requested a voluntary repossession on the vehicle after financially not being able to afford it. I was not made aware of this until reviewing my credit report. Santander never contacted me regarding this. They never advised me that this repossession was taking place. I was denied the opportunity, as a signer on the loan, to keep the vehicle and make good on the account. I contacted Santander in writing on XXXX/XXXX/XXXX advising them that my rights had been violated and that as a resolution, I requested my account be deleted with the credit reporting agencies and my financial responsibility be terminated. They responded in writing with a copy of a letter sent to my old address, which I never received.
They had properly removed a bad debt for XXXX XXXX for a {$10000.00} balance that was last paid on XXXX/XXXX/2008 however recently they added it back and when I disputed it for being over 7 years old ( past the allowable reporting period ) they have refused to remove it.
Requested on  XXXX ,  XXXX ,   XXXX   verification method FCRA, sec tion 611 ( a ) and ( 7 ) l etter to Transunion. never received requested information from Transunion. Transunion is still reporting on inaccurate information on my credit report.