WillisBack/dataset-financial-user-claim huggingface dataset:
HELLO. 
THIS PARAGRAPH IS SUPLIMENTAL TO THE ONE BELOW.ON PAGES XXXX THRU XXXX IT IS CLEARLY INDICATED THAT I WAS CHARGED FOR NOBLE MATERIAL AND I WAS PROVIDED SEMI PRECIOUS.AS SEEN IN THE DOCUMENTS PROVIDED YOU SEE THAT THE XXXX XXXX AGREES WITH MY ARGUMENT.UP TO THIS DAY THE PHYSICIAN HAS FAILED TO PROVIDE THE CERTIFICATION OF ANYTHING ON THE XXXX POST.IHAVE SPOKEN TO THE OTHER AGENCIES AND THEY SAY IN CASE OF INSURANCE THIS WOULD BE A PERFECT EXAMPLE OF INSURANCE FRAUD ; SINCE THERE IS NOT INSURANCE INVOLVED THIS IS DEFINITELY A COMPLETE VIOLATION OF CALIFORNIA XXXX XXXX XXXX AND COMPLETE BREACH OF CONTRACT.I NEED A SERIOUS AND IMMIDIATE ATTENTION TO THIS MATTER PLEASE.WHEN I RECENTLY SPOKE WITH REPRESENTATIVE SHE SUGESTED THET I RESUBMIT THE COMPLAINT. 
THIS LETTER IS TO COMPLAIN ABOUT SERVICES I RECEIVED STARTING XXXX XXXX, 2012. I ORIGINALLY WENT TO THIS OFFICE BECAUSE I HAD XXXX IN MY XXXX. I JUST WANTED THESE XXXX OUT AND REPLACED WITH COMPOSITE XXXX. THIS IS A VERY SIMPLE PROCEDURE. I WAS TOLD THAT I NEED XXXX AND XXXX. AS I WAS IN THESE PROCEDURES DONE I KEPT ASKING ABOUT THE MATERIAL USED FOR XXXX AND XXXX. I GOT I DO N'T KNOW FOR AN ANSWER EVERY TIME. MY ORIGINAL COMPLAINT I WENT TO THIS OFFICE WAS SEMI PRECIOUS MATERIAL IN MY FEELINGS. LATER WHEN I FOUND OUT BY COMPLAINING TO THE BANK THAT THE MATERIAL USED WAS SEMI PRECIOUS AND I HAD REPAIR BILLS FOR XXXX OF THE XXXX I WAS COMPENSATED FOR {$1400.00} PLUS INTEREST THAT WAS AMOUNT OF {$1700.00}. UP TO THIS DATE I HAVE NO IDEA WHAT MATERIAL WAS USED IN XXXX. I HAVE COMPLAINED MANY TIMES THE BANK THAT FROM THE BEGINNING THE CONTRACT WAS BREACHED AND I WAS CHARGED FOR PRECIOUS MATERIAL AND I WAS PROVIDED SEMI PRECIOUS AND UP TO THIS DATE I HAVE NO CLUE WHAT MATERIAL WAS USED ON MY XXXX. WHEN I COMPLAINED TO THE BANK FOR THE LAST TIME I WAS GIVEN A CREDIT OF {$730.00} FOR {$5100.00} $ XXXX THE INTEREST OF 14.99 %. I 'M NOT EVEN SURE IF THIS AMOUNT IS CORRECT. I AM VERY CONCERNED BECAUSE XXXX OF THE XXXX HE HAS DONE NEEDS XXXX AND ANOTHER XXXX XXXX NEED TO BE REDONE. THIS IS ANOTHER CHARGE OF {$3600.00} ON TOP OF OLD EXPENSES THAT HAD ORIGINALLY COST AT LEAST {$8000.00} OF EXPENSES SINCE XXXX OF 2012. PLEASE BE ADVISED THAT CONTRACT WAS BREACHED AT THE BEGINNING AND I HAVE TO HAVE ALL THE XXXX BE DONE AGAIN BECAUSE I DO N'T KNOW WHY I HAVE XXXX IN THE XXXX AND I FEEL DIZZY ALL THE TIME. I AM COMPLAINING BECAUSE I HAVE SERIOUS DIFFICULTIES XXXX ON ALL OF THE TEETH HE HAS WORKED ON.
I HAD DISCOVER CREDIT CARD I MISSED FEW PAYMENTS AND THEY CLOSED THE ACOOUNT BUT AFTER THAT I HAVE BEEN PAYING THEM EVERY MONTH FOR OVER A YEAR. MY FINANCIAL POSITION GOT LITTLE BAD AT START OF THIS YEAR SO I COULD NOT PAY THEM IN XXXX 2016 .SINCE THEN THEY BEEN CALLING ME A LOT. SOMEDAYS THEY WILL CALL LIKE 4-5 TIMES A DAY .I HAVE BEEN DEPRESSED SO SOMETIMES I DONT FEEL LIKE ANSWERING PHONE BUT STILL THEY WILL BE CALLING AGAIN N AGAIN. LAST WEEK I CALLED THEM AND TOLD THEM THAT I AM NOT ABLE TO PAY NOW BUT WHEN I AM LITTLE BETTER ON MY MONEY I WILL CALL THEM AND PAY WHATEVER I CAN. I SPECIFICALLY TOLD THEM NOT TO CALL ME BUT THEY ARE STILL CALLING ME. WHAT SHOULD I DO?. ITS FRUSTRATING AND DEPRESSING ABOUT ALL THESE CALLS WHEN I AM ALREADY HAVING HARD TIME. CAN PLEASE GUIDE ME WHAT SHOULD I DO?. THANKS A LOT.
On XX/XX/XXXX I spoke with a paralegal at XXXX, XXXX XXXX XXXX XXXX in reference to a debt that was reported by Mercedes Benz Financial institute. This debt resulted when in XX/XX/XXXX a XX/XX/XXXX mercedes benz that was being leased by me was repossessed. The vehicle had 4 months remaining on the lease with a balance of {$1800.00} plus late fees and personal property tax. At that time, the balance to pay the debt was around {$4000.00} On the day that the vehicle was reposessed, I went to the auto tow location where the vehicle was taken and attempted to pay that balance and retrieve the vehicle to return it to XXXX XXXX. Mercedes Financial refused to accept payment, and the vehicle was sold at auction. 

After selling the vehicle, I received a statement from Mercedes with a balance due of {$17000.00}. This amount includes balance on lease, property taxes and fees required to repossess and sale the vehicle plus the amount that represents the difference in the value of the car less the amount the vehicle sold for. The lease that I signed with mercedes clearly states the required payment amount due if in default. 

My complaint is that Mercedes Benz has turned this debt over to XXXX, XXXX XXXX XXXX but the amount due is in error. I have communicated this information with them and I am getting the run around. I wish to resolve this debt as it is affecting my credt, however I am only willing to pay the actual amount that I owe. 

I spoke with XXXX XXXX at XXXX, XXXX XXXX XXXX but I have not been able to resolve this issue.
I opened an account with Citizens bank for a XXXX XXXX which had a 0 % balance transfer for 13 months. I paid every bill on time every month. I received my last paper statement dated XX/XX/XXXX - XX/XX/XXXX and paid it in full. I made several charges to my account in XXXX and XX/XX/XXXX but did not receive statements. I had to call Citizens on XX/XX/XXXX and told them I have n't received my statements. At that time I was told I requested paperless statements which I had not. I requested to have paper statements sent to me so I could take care of my payments. I was given my balance over the phone and paid it with the exception of {$64.00}. I reiterated that I had not requested paper statements and wanted my statements mailed to me. I was told it could not be changed. I received no more paper statements and in XX/XX/XXXX received the first of several collection letters stating I was past due on my account. I made multiple phone calls and spent literally hours on the phone trying to resolve this matter. All I wanted was documentation in the way of a statement for any debt owed which I never received. This issue has hurt my excellent credit rating and I feel is an unfair business practice by refusing to issue statements in the mail. I was actually told I would be charged a fee if I wanted paper statements!
This is RE : Wells Forgo My accounts where set up to lose money from the beginning there were never a sum in basic math of my checking accounts. When I left and went to the bank I 'm with now I could see a very big difference in how it 's to fair and safe. I was losing money for five years just in my checking accounts. Any one that could see my bank accounts it could easily be seen as I have with my new bank accounts I did not lose a XXXX from my new accounts. This is XXXX dollars over the years. I have had other accounts. A credit card which is called revolving account which I have paid off over and over again till the stilling was just out of control from my deposits many stolen as it entered my account ever month more then Enough to handle these accounts which I did for over three years before the theft. There was also another account were I signed for which I signed for a loan the larges account with Wells Forgo paid it over twice then learned it was a revolving account not what I asked for or signed they have all ready shown me a fraud letter with a signature that is mine that is Identity Theft.
I have paid my XXXX XXXX private loans for years upon graduating. Recently, I had a baby and in order to work full-time, I had to arrange for daycare. This inevitably ate up any money I had at the end of the month on top of all my basic daily living expenses. 
I have been unable to pay my private student loans because they will not lower the payment amount and I can not afford to pay them {$300.00} a month for interest-only payments. They will not offer me any program and have actually bad-mouthed me on the phone in terms of my choices. I offered to pay them {$100.00} but they refuse to accept this even after I forebear the loans XXXX. Even with interest only payments, I will be paying these loans forever, I will never be able to finish paying them which only makes the future bleak.
I made an offer to a seller on ebay for an item. The seller agreed and took the item down allowing me to pay via paypal. Last message i had with the seller was hom stating he was going to send the item in a few days and that was on XXXX. I have not heard from the seller since.
This is the issue in which I am requesting a relief letter from Bank Of America. 

For consideration : BOA mortgage acct # XXXX XXXX. On XX/XX/XXXX, I filed a voluntary petition under Chapter XXXX of the United States Bankruptcy Code in the United States Bankruptcy Court. On XX/XX/XXXX, it was discharged. The debt was not reaffirmed. ( I attached a copy of the Bankruptcy doc and Letter of confirmation from BOA ) 2. A Deed In Lieu of Foreclosure was completed on the same property on XX/XX/XXXX. ( I have attached a copy of the Deed In Lieu doc ).

Note : I should not have been advised to enter into a second hardship situation on the same property that had previously been discharged in Bankruptcy.i A deed in lieu of foreclosure is a deed instrument in which a mortgagors ( i.e. the borrower ) conveys all interest in a real property to the mortgagee ( i.e. the lender ) to satisfy a loan that is in default and avoid foreclosure proceedings. Further, the deed in lieu of foreclosure offers several advantages to both the borrower and the lender. The principal advantage to the borrower is that it immediately releases him/her from most or all of the personal indebtedness associated with the defaulted loan. 

My question/issue : I contacted Bank Of America in XXXX XXXX for advice on how best to vacate the property at XXXX XXXX XXXX XXXX XXXX, Al XXXX that had been previously discharged in Bankruptcy in XX/XX/XXXX. I was advised to initiate a Deed in Lieu of Foreclosure. 

According to the description or definition of a Deed In Lieu stated above the Deed In Lieu process should not have been required because I was no longer responsible for the debt after the bankruptcy discharge on XX/XX/XXXX XXXX see attachments ) The guidance I received from BOA has caused a great deal of confusion thereby increasing the waiting time for me to become eligible for a new mortgage. My waiting time should be four years from the date of the Bankruptcy that occurred in XXXX XXXX which would have made me eligible as early XXXX ; however, having been advised to enter into the Deed In Lieu, the waiting period started with the transfer of title in XX/XX/XXXX. Therefore I will not be eligible until XX/XX/XXXX. 

Why did BOA allow this action to take place?
Equifax grossly mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am very disappointed in Equifax 's handling and reporting of this breach. Little was done to notify anyone for nearly a month after the breach was discovered. I received no contact ( email, letter, or call ). Instead, I discovered it word of mouth and social media.
This payday loan company says I took out a loan with them. They are stating the amount owed is somewhere around {$800.00}. I do not recall ever taking out a loan with the company they are referring to. I have given them my cell phone number and my desk number at work. They keep harassing me at work contacing the Director of my company getting them involved. I have already received a warning from my Human Resources deptarment reagarding a write up. I do not want them contactin my job anymore.
My loan with XXXX was transferred to Select Portfolio Servicing , Inc . However a new title was not recorded. I had an agreement with XXXX that some old payment were deferred to the end of the loan. SPS want me to make payments now. I sent documentation that they will not honor because they said that they are not authorized. It appears there is another company UXXXX. I requested a restructure based on the home affordability act. They said they were not authorized. I requested arbitration based on my original agreement with XXXX and they would not do that too. This has been going on since XXXX 2015.
I have tried several time to put a freeze on my credit report at Equifax. 

I called the number provided by FTC web site XXXX and that told me that Imy request could n't be done through automated system. 

Then I tried their web site three times to to freeze my report. In each instance I got a message that system is n't available and try later. 

Then I called their newly created call center and I was told they are only directing the call to FTC web site. Nor, could they give me an address for me to send a request for freeze in writing. 

It is very frustrating. I am suppose to leave the country in few day and I am concerned about unauthorized use of my credit. 

All of these incident happened on XXXX XXXX and XXXX XXXX
On XX/XX/2018 I sent a dispute letter to Equifax requesting that they validate information for the following items : XXXX XXXX and XXXX XXXX XXXX from a medical office that is reporting an unknown debt to their credit bureau. As a response to my request, Equifax have sent me letters stating that the information they are receiving from the above mentioned companies are accurate without providing proof in which I have asked for. I have also warned them as well as the credit bureau that this is a result in HIPPA violation and can result in me suing them due to releasing of unauthorize medical information. I have made attempts to reached out to both companies that are reporting the information, but have not receive a successful response. I took it upon myself to go to the location of the medical hospital that works with the two companies to ask for my signed release form to verify if I signed any paperwork that would okay them to release my information to a third party company such as a credit bureau. Unfortunately, the documents that are provided with this complaint does not state or show a signature of me agreeing to release anything dealing with my medical information or records to any third party company. This is a complete violation of HIPPA and Equifax has to remove this information from my credit report or I will be proceeding with this issue in a legal matter resulting in suing their company. Please find enclosed a copy of the certified mail receipt of the letter sent on XXXX to Equifax as well as for XXXX XXXX and XXXX XXXX. I also have enclosed a copy of the HIPPA release form that does not state it to be okay to release any information to a third party.
First Home Mortgage claims not to have received my mortgage payment, despite my bank showing that payment was received and deposited into their account. Instead of investigating this matter on their own, First Home Mortgage required me to do all of the legwork to prove that they had cashed my check. They do not accept emailed images of the canceled check, requiring faxed materials instead. If a check has been cashed by a lending institution, it should not be the borrower 's obligation to demonstrate that.
Capital accounts calls my phone several times a day but refuses to identify the company when they call the only was i was able to identify the company was buy doing a google search on the number that was calling. Several representatives refused to i.d the company.
on XXXX XXXX, XXXX - I proactively reached out to MSB ( Municiple Sevices Bureau ). I was given their information from the XXXX XXXX XXXX XXXX through which I had an outstanding fine. After calling MSB, I spoke to someone name " XXXX '' and explained my intention of paying my fine. After looking into her system and asking questions for personal information, she claimed she found my account. She then gave me a total amount of {$630.00}. I initially was taken aback because my fine balance was {$500.00}. I asked why the difference and she proceeded to give me confusing and contradicting information. She stated that they ( MSB ) received my debt back in XXXX and that the courts could have added additional fees. She later clarified that they received it on XXXX XXXX, XXXX. My confusion is because that 's when I was arrested and court fines and fees were later decided in the later part of XXXX. She also gave a date of XXXX XXXX, XXXX - which would make more sense. This led to additional questions from myself trying to understand what she was telling me. She asked if I wanted to dispute the amount and based on what she was telling me. I answered yes. This is when her tone changed and she became argumentative and abusive. She threatened to terminate the call because as she said " She do n't have time for this!! '' - this was said multiple times as she spoke over me. When I asked for her to not terminate the call and that I have additional questions - she continued with the statement of not having time for that. She then said that she gave me the phone # to dispute the claim and was n't going to answer any additional question. She was willing to let me talk to her supervisor and put me on hold - and of course I sat on hold waiting for an additional 45 minutes at which point, I decided to hang up. I feel that this agent had no right to use the disrespectful tone and threats that she used. I had every right to question the misinformation she gave me and I did it in a polite and professional manner. I 'm requesting a formal apology from this specific agent ( preferably via phone call ) and I also would like a copy of the voice recording of our conversation. I 've reached out to XXXX XXXX XXXX XXXX to request that they reclaim my fine and I will pay it directly to the court. I absolutely will not pay this fine through MSB.
Had a lot of fraudulent charges on my capi tal one car d. They reversed the charges cancelled the card and issued me a ne w one  XXXX  separ ate times. Everytime within a month there are new fraudulent charges. They tell me the vendor can call them to get the new card number and they give it to them without any proof of said debt. They can not block the vendor nor can they contact the vendor to dispute charges or stop charges. So in short  XXXX  controls  capital one and they ca n't stop them. The supervisor even told me that they can not secure my credit information and my financial information with them is not secure. Why is this allowed or even legal that credit card companies can provide online vendors peoples credit info without any form of proof and are unable to  stop a vendor from placing fraudulent charges on peoples credit cards.
On XX/XX/XXXX, XXXX and XXXX XXXX filed for a modification to Ocwen Loan Servicing, LLC for my husband and me. On XX/XX/XXXX, a letter was sent from Ocwen to us that the application was completed as of XX/XX/XXXX. However, on XX/XX/XXXX, a  decision letter was sent out to us and this came as a surprise to us because it was a denial letter for the modification. The result was astounding. It explained that our home is worth too much money. One would infer that if our home costs much more than what we owe the bank, then, that would be a good reason for us to get the modification for the property. However, this was not the result. Therefore, it stunned the people of the company who were assisting us and we were also astonished. The reason is that, XXXX and XXXX XXXX told us that they have been doing modification since XXXX and they have never heard a reason like that before and the same applied to us. Thus, XXXX and XXXX XXXX told us that they appealed that decision. Moreover, they stated that they also sent in a XXXX XXXX and XXXX XXXX Flex Modification application for us. We did some research on XXXX XXXX and XXXX XXXX Flex Modification and these are two of the links that we researched for information about it : XXXX XXXX XXXX XXXX XXXX XXXX   Therefore, we have the understanding that we may be able to get the help we need from this modification, so that we wont go into foreclosure. 
Ocwen kept the appeal from XX/XX/XXXX until XX/XX/XXXX to send us another denial letter, which we received yesterday XX/XX/XXXX. In fact, this is the fourth time they denied us for a modification in one year. For example, XXXX applied for us and it was denied, Florida Hardest Hit applied for us and it was denied an this is XXXX and XXXX XXXX second time and it too was denied. 
As seniors, with a meager total combined income from Social Security of {$1100.00} plus {$600.00} from one of our daughters who are helping us, how does Ocwen think it is possible for us to pay {$1700.00} or even more each month for mortgage payments, keep up with other bills and to survive? At this time, we are not willing to accept any of the options Ocwen is offering such as : short sale or deed-in-lieu because we want to remain in our home which took my husband ten years to build up with his own hands.
Union Credit Corporation has repeatedly re-aged a old debt and the incorrect information is having a negative affect on my credit report. The company mentioned above has changed the open date on the account on several occasions. I have my old credit reports to prove this unlawful act. The company states that the account was obtained XXXX XXXX, XXXX. And las reported XXXX XXXX, XXXX. In the amount of XXXX. Which is incorrect.
I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX Please investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX I am requesting an investigation of this collection because the assigned date and date of last activity does n't seem right. Please remove this collection from my credit report.
I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency Bull City Financial in the amount of {$560.00}. This debt has not been validated by the original creditor or the 3 credit bureaus and are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.
Please note this complaint is about being an investor in Prosper, a peer to peer lender ( similar to  XXXX   XXXX   ), but there  was not an option to select for this.     Between  XXXX  I investe d ~ {$1300 0.00} in various notes and Annualized Returns for the period averaged around 10 % for this period. I recently received an email saying  Prosper  had incorrectly calculated the Annualized Returns, so they now appear to be about one half of what they initially stated, including a negative return in   XXXX  .      Had I known actual returns were less than one half of what was stated, I would have not continued to invest in loans. From speaking with a manager, it sounds that this was unintentional error, but nonetheless my investment decisions wer e based on their information.
Hi, Happy new year! 
I opened an amex XXXX card on XXXX XXXX, 2016 but I did not receive XXXX reward points. I called Customer service and they said I will not receive it because I have Premier Rewards Gold Card. To the best of my understanding, the XXXX cards are different products and therefore I should be eligible to get opening bonus. In addition, many friends received bonus of both cards. I wish I will be treated equally. 
Could you help me solve this problem? 
I greatly appreciate your help! 
XXXX