WillisBack/dataset-financial-user-claim huggingface dataset:
I have a mortgage with Ditech Financial. On XXXX XXXX, I had damage to my home, causing an insurance claim. The claim was covered and the insurance started sending me checks right away. My mortgage company insisted on managing the funds and dispensing them as they were needed. I understood that and had no issues with that so I sent the funds to them. They sent me a check for the first {$10000.00} but no one told me it was coming so I was pleasantly surprised. Unfortunately, no one also told me that they were awaiting a series of forms from me ( that they also had not sent ). I called to make sure they had gotten what I had sent over already and asked them if anything else was needed. This was probably about XX/XX/XXXX. They said they were still waiting on some other forms and could n't release any other funds until that was received. I asked them to send me the forms that they needed filled out and I 'd get them finished. I received the forms about a week later and had them finished and sent a few days later. The company received them on XX/XX/XXXX. The company policy states that they take 7-10 business days to process the mail. That means I have to wait until XXXX for them to even read my forms that I sent. The biggest concern is that my contractor is at a total standstill and ca n't perform any more repairs until more funds come in. In addition to that, the insurance stops paying for the hotel tomorrow and I still have no kitchen. I called today and asked if anything could be done and the girl on the phone said that is policy and I have to deal with it. Unfortunately, apologies and policies are not legal tender at the hardware store so I 'm still without a kitchen and Ditech does n't give XXXX about it. I asked to speak with a supervisor and the girl on the phone said no supervisors were available and said I could leave a message to be returned in 72 hours. I told her that was not an option so she transferred me anyway. That 's more just general nonsense, but the main concern is that this company has {$30000.00} that belongs to my contractor and myself that they refuse to dispense because THEY did not advise me that they needed something. Long story short, they failed, I suffer.
I previously address my concerns of First Federal Credit control services with the Better Business Bureau informing them that I did not have a signed contract nor any contract with First Federal Credit control services. I have never done business with this company, I am not liable for collection I do not have a signed contract nor any contract with First Federal Credit control services. I have never done business with this company, I am not liable for collection from First Federal Credit control services. I am not responsible for this debt from First Federal Credit control services. The Collections that are being reported to the credit agency are in the amount of XXXX, and XXXX. Better Business responded within the same day informing me that First Federal Credit control services are licensed within the state of Florida. This information is not accurate. Better Business Bureau responded with a license number For First Federal Credit Control XXXX XXXX this information is still accurate First Federal Credit Control is not licensed in the state of Florida
I dont have this credit card, nor did i ever recieve this credit car, however it is non my credit report. I would like this whole enitre account shut down and to never open back up! I dont use paypal the first time i ever had an account was just the other day when i made it. And I would appreciate a letter in the mail or even an email stating that paypal will shut this whole account NOW! THANK you very much! XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX PA XXXX, AND I HAD A STATE I.D TO PROVE THAT AS WELL, ALSO YOU CAN SEND ME AND EMAIL AT XXXXXXXXXXXX thank you very much
AES fraudulently reopened an account that was charged off and closed in XXXX XXXX by applying forbearances and deferments without my consent or knowledge. AES forged my signature on a forbearance request for the dates XX/XX/XXXX to XX/XX/XXXX. A 6 week forbearance is very unusual considering they are normally requested for 6 to 24 months ( see attachment ). AES admitted that after I demanded they remove all negative reporting and delete all tradelines, they applied forbearances and deferments to keep the account from falling off my credit report and keep it in good standing. I did not request nor sign any forbearance or deferment. The signed MPN is for the amount {$14000.00} while AES claims that owe over $ 90k ( see attachment ). AES is reporting inaccurate and incomplete information to XXXX and refuses to correct the issue and remove the tradelines. The tradelines have been on my credit report since XXXX and yet there is no other information than as of XX/XX/XXXX it is current and in deferment. AES continues to withhold information regarding the owner of the account as well as other pertinent information surrounding the dispute. I have requested this information several times and they refuse to provide anything. AES agreed to remove all tradelines from XXXX and XXXX, but they refuse to remove the same tradelines from XXXX. This is an FCRA violation.
Equifax continues to report inaccurate information on my report despite numerous attempt to dispute negative items on my report. I have send evidence from the original creditor that clearly it is being reported inaccurate but comes back verified. Equifax is also reporting Bk on my report which cleary belongs to a family member they can not give me accurate verification methods use to verify the Bk I contacted the court and the court stated they do not furnish information to the credit reporting agency which equifax claims they verified the account which is false verification and violates the FCRA. I also have have court documents stating that the court do not furnish information to the credit reporting agency. Also the website never works correctly and when you call you can never understand the person you are talking to because they are from a different country. I will cancel my membership after 15 plus  years very poor service. I have a credit alert from other source and today EQUIFAX decided to report an open account ( closed ) and report it as bankruptcy. I will also file a complaint to the BBB and to my cogressional representative.
I have had a loan in forbearance with Great Lakes Higher Education for about a year or more now. I am at a point where I can start making payments as I have recently become steadily employed and want to start paying these loans off. I have reached out to the servicer on multiple occasions to make a payment as I have a high amount of interest that has already accrued on the account I have. They keep asking me for my personal bank account information or telling me to go open a checking account somewhere as they will not accept credit card payments. I have a valid credit card I can pay with and I 'm not comfortable giving anyone direct access to my savings account ( I do n't have a checking account ). I have no other method of paying my student loans other than through a credit card. All I want to do is make a payments until the loan balance is paid off. There seems to be no flexibility at all on this and if I knew there were stipulations to getting my student loan that it can only be paid off with a direct link to some kind of a bank account at this point I would have just foregone my education entirely because now its likely going to ruin my credit and keep piling on interest. Any and all help would be greatly appreciated! 
Thanks so much!
I would like to know why am I being charged an annual fee for a credit card who just informed me via e-mail they are closing my account on XXXX XXXX, 2018 because they have merged with another company. I am being charged $XXXX for whole year on a card that will only be active for 4 days starting the new year. Someone from the company, please explain this to me because none of XXXX XXXX's reps knew what they were talking about.
attempting to collect 30 % collection costs, no agreement. 

collecting an invalid debt, debt does not exist.
My name is XXXX XXXX and I am a customer with Santander Bank since XX/XX/XXXX holding a small business account with Ac # XXXX. Name on the account XXXX XXXX, XXXX. 
I was introduced to Santander Bank by your small business marketing Mgr XXXX XXXX. 
My account was compromised by {$12000.00} on XX/XX/XXXX which I found out when I reached the bank to send a international wire transfer which is a normal activity that I have done from my business account. 
My daily morning routine has been to check my account balance online and to ensure if funds have been made available and also to check if my issued checks have been cleared. 
On XX/XX/XXXX morning when I checked my balance I had {$16000.00} and the funds were fully available. That afternoon when I went at the XXXX XXXX branch in XXXX to make a wire transfer of {$9300.00} to my vendor overseas who supplies me with merchandise, I was informed by the banker that I did not have enough funds in my account to proceed with this activity as a domestic wire of $ XXXX was sent this afternoon. 
I was shocked and concerned at the same time and requested the banker to call the wire department to stop the wire as I had no knowledge of this and I did not authorize or make a request online to transfer funds anywhere. I have NEVER sent a wire ONLINE ever with Santander and have always gone to the branch to send a wire. This bank is right opposite my office building in garment district and all the bankers in that branch know me and also know that I have always been there to do a wire. 
I was sitting at that branch for 4 hours worried with what had just happened. I was assured by the banker to not worry as they will investigate this and get back to me as soon as possible. 
Today I am writing to you to ask for your help in getting this matter resolved. I am a small business owner and can not afford to have funds missing from my account. 
This thought is frightening to me that a bank which is considered a safe institution can easily be hacked/fooled in removing funds from your clients account. 
How does something like this happen at a bank? There has to be some sort of verification that has to take place before releasing funds from someones account. 
It was implied that my PC was hacked and that is where all this began. I have a PC with built in firewall and security and I check my business account, my personal account, my kids account my credit cards all from there. There was no problem anywhere except with Santander. 
I am beyond frustrated at this point as I am only getting a run around from all of this. I requested the bank to give me credit for the missing funds so I am not forced out of business and that too never came through. 
Please look into this matter urgently. I am hopeful now that I am reaching out to you all to look into this for me and help get this resolved as soon as possible. 
Thank You XXXX XXXX XXXX XXXX, XXXX
My student loan got transferred to another student loan company called ECSI. ECSI charges a " convenience fee '' of {$.00} everytime I make a payment using my checking account. That is absolutely outrageous. Why do they make a dollar for me to pay using my checking account?
On XX/XX/2018, I submitted a dispute letter to all 3 Credit Bureaus in desired request to remove a Bankruptcy ( Public Record ) listed on my credit reports. In the letter document, I thoroughly described the issues, point of emphasis & reasons per the laws of the Fair Credit Reporting Act 623 ( a ) ( 5 ) : as to why I have requested prompt removal of the Bankruptcy. Reasons being that Bankruptcy Courts do not validate or verify Public Record entries onto my Credit Reports. Considering a violation of the FCRA & the fact that it has caused major hardship on my family by derailing my ability to be able to apply or acquire credit along to possibly purchase a home for my family it needs to be deleted off my report. XXXX  has removed the Public Record off my report. XXXX is currently pending. However Experian has taken every dispute I have submitted & just ignored my request by jist constantly updating my Credit Report with a " Verified '' status. I feel they have not taken any consideration to consider the reason for my dispute in the document that I submitted to them.
I sold my house on XXXX/XXXX/XXXX I was to receive my overage of my escrow of about {$2700.00}. My mortgage company was Ditech Financial LLC. XXXX XXXX, XXXX XXXX, SD XXXX, XXXX, fax # XXXX. I have been contacting them for months trying to get them to release my money. Each time I call I 'm told that I should receive my check within the next 10 days. After the 10 days no check ... .. Last week I believe on XXXX XXXX or so I called again.This time they asked a manager to help. The manager asked for my routing # and account # that they would wire me the money by the end-of-the-day. NO MONEY AGAIN. I then called them the next morning asking why they did not wire my money. I was told to leave a message for the manager. At that time I stated that if I did not receive my money by the end of business that day I would be filing a complaint. As of today I still do n't have my money ... ... 

I have given this company my up dated address a few times and my checking account information.I sold this house XXXX/XXXX/XXXX and today is XXXX XXXX, XXXX
I was contacted by a debt collector for  XXXX , and they refused to give me an address, nor would they send me a letter, they wanted my bank information by phone and I refused.I had not heard from them until recently, because a new company now owns the debt and it has been placed on my credit report. The debt is approximate ly 6 years old. Th e bill must have been going to my old address ... and I was never contacted by phone until it was sent to collections.
I have notice credit enquiries on my report that i did not authorize, which resulted in a significant drop in my score. 



XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX Specialty Clothing Store XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX Yes XXXX/XXXX  Department And Variety Stores - non specific XX/XX/XXXX Yes XXXX XXXX/XXXX  General Clothing Stores XX/XX/XXXX Yes XXXX XXXX XXXX  Credit Card XXXX. 
XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX/XXXX Department And Variety Stores - non specific XX/XX/XXXX Yes
My account was restrained. After it was released I withdrew my money from the account and asked the Bank of America to close it. This was in XXXX 2016. They did not. Since then they have been charging me a {$5.00} maintenance fee on the account every month. I have asked them to close the account repeatedly, but they refused. I even paid the maintenance fees even though I think I do not owe them, since they told me that was why they could not close the account. But even after that they did not close it. My account agreement says they must process any requests relating to my account within a reasonable amount of time. They should have closed my account by the end of XXXX 2016. I should not have been charged any maintenance fees. They have sent me a new debit card even though I said I wanted to close the account.
My loan administrator, Amerihome, sold my loan to another bank without any communication to me. I found out about the transfer after I noticed that my XXXX automatic payment had not been deducted from my account. I tried to log in to the online service for the past few days, struggling as they were having a technical glitch. I finally spoke to a customer service representative today via web chat where I was told that my loan was sold, I was provided a phone number to call at the new bank and nothing else. The representative then ended the conversation abruptly without any further information. 

I have since been able to contact my new bank and set up payments, luckily I am within the 60 day period to make my first payment so I am not subject to late payments. However, I am furious with Amerihome for putting my credit and my home at risk by not performing their due diligence to inform me of the mortgage transfer. Had I not been paying attention to my bank statements, this could have been catastrophic for me and my financial credit. 

Consumers should not have to undertake investigations to be able to comply with agreements that they make with these banks. Amerihome 's behavior is entirely unacceptable and puts consumers at risk.
This reason I am filing this complaint is to request an investigation into Nationstar Servicing and XXXX XXXX XXXX mortgage companies reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage companies are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency is in the month ofXX/XX/XXXX. I am requesting that Nationstar Servicing and XXXX XXXX XXXX correct the fraudulent information they have report into my file ASAP.
i called XXXX to Dispute Varies Inquires that appear to be on my Credit Report, i did advice that i appeared to be a victim of Their Inquiry issue, however the rep then denied to assist me.. 
XXXX - XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XX/XX/18 Also Mentioned that i have XXXX XXXX XXXX, that have already been paid and has not been removed.. they mentioned it will take up to XXXX days to be removed.. please assist me
Had a collection account put on my credit report for a cable provider by a debt collection agency. I have filed a police report and contacted the credit reporting agency to have it removed due to it not being my own. I have lived in the same house for 17 years and do not even have the company available in are area. I have never opened an account. Collection agency will not remove this off my credit report as they want me to pay it and say it does belong to me. 
Will not provide any written documents or contracts that have my signature on them stating I signed up for said service. When I asked them they said they do not have anything as there are multiple ways to obtain service with out a signed contract.
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX/XXXX XXXX
I have a relatively new phone number. The company cross-referenced my number to an old XXXX debt that is not mine. 
I have explained to the caller, twice, that this is not my debt and that they have the wrong person. Once I gave them that information I stopped communicating with them. They call everyday and leave a message that I owe money to them that I used to owe to XXXX. That they have been authorized by XXXX to collect and that I need to call them back and pay up. 
The name of the company is : Enhanced Recovery Systems,XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) XXXXIf you do an internet search of this company you will find dozens of complaints against their tactics.
Green Sky fraudulently opened and charged a closed account. Please reference File number XXXX, Green Sky admitted error and credited my account. 
the account. I received a letter today that they without permission opened the account and charge me XXXX. 
Please contact me regarding resolving this issue, XXXX XXXX XXXX
on XX/XX/2018.iIwritten a debt validation letter to collection agency second round LP on a debt from XXXX XXXX they state their is a balance of {$800.00} the second debt they claimed i owe a balance of XXXX .i have not received any respond back after 30 days .i ask second round to remove the negative item off my report they send the debt off to another company.i also disputed the items with transunion .they have not given me any responds back either.
We lost our home in the XXXX 2015 flood. Because of the location of our home, NationStar placed us with insurance through XXXX XXXX XXXX XXXX ( XXXX ), Certain Underwriters at XXXX XXXX XXXX. The value of the policy is {$110000.00}. This exceeds the payoff amount, the actual property value and the amount of the mortgage loan. In XXXX, NationStar received a settlement from XXXX for approximately XXXX % of the policy value. Unfortunately, the home can not be repaired as described in the insurance settlement as it has been declared substantially damaged by XXXX County and must be elevated if we are to return to the home. I contacted an attorney and met with him on XXXX XXXX. On XXXX XXXX we received a letter fromt he law firm stating they would not be able to help us ; there was not additional explanation in the letter. I have asked XXXX on numerous occasions, both verbally and via email for a copy of our policy, for my appeal rights and for their grievance procedures. All requests have gone unanswered. I 'm afraid that our appeal rights have since expired and that waiting for an attorney may have cost us valuable time and opportunity to move forward. I have contacted my Representatives and Senators at the local and national levels with no headway. In fact, some people I 've spoken to have actually advised applying for bankruptcy or allowing the mortgage to default. These are not viable options in my opinion. The attached letter contains detailed information you may find helpful.
XXXX XXXX XXXX, has placed a lien on my home through their attorney in California Rory W. Clark, I never received a notice informing of a court appearance or lawsuit. My original debt amount is for {$3000.00} they are asking for {$10000.00}. I have called them to XXXX XXXX XXXX and the Law Offices of Rory W. Clark to negotiate to resolve this debt they refuse. XXXX will only deal with me through their attorney. The representative I spoke with at the law office of Rory W. Clark is XXXX XXXX. I am a XXXX XXXX year old woman living on a fixed income. I feel that XXXX XXXX is using the law to intimidate to pay a debt, that is well above the amount of money I actually owe. How is this legal there should be a law against this.
On XXXX I contacted the creditor XXXX to settled this account. They referred me to a collection company that collected my payment settling this account in full. I contacted the original creditor today to see why they have n't updated my credit file and they referred me back to collection agency. The collection agency is NOT reporting this debt. The company XXXX is the one reporting it. I strongly feel they are the ones to update my balance to show XXXX since they are reporting this old debt.
Major, FRAUDULENT Billing Errors, with : ALLY ( XXXX XXXX ) Pre-Owned -XX/XX/XXXX XXXX-XXXX. My ALLY Account Number : ends in : XXXX. NEVER, MISSED A PAYMENT. NEVER, LATE ON PAYMENTS. XXXX. XXXX XXXX, with ALLY, is Contact. My XX/XX/XXXX XXXX, Purchased at : XXXX XXXX, XX/XX/XXXX, on XXXX XXXX., XXXX XXXX, GA XXXX. BOTH, ALLY Financial, and XXXX XXXX, Guilty of : " Red-Lining ''. As I received a Settlement from : ALLY, Early XX/XX/XXXX, from Class-Action Law Suit. Early XX/XX/XXXX ; ALLY, sought to " Take-Back '', my Settlement Payment. Therefore, ALLY, Early XX/XX/XXXX, FRAUDULENTLY, added-on, an Additional Payment of : $ XXXX/Monthly. Presently, receiving Two ( 2 ) /Monthly Statements, from : ALLY. The CORRECT Statement, is : $ XXXX/Monthly. The FRAUDULENT Statement is for : $ XXXX/Monthly. WILL, you please assist?? ALLY, admitted to ALL Three ( 3 ) : XXXX ; XXXX ; XXXX ; that BOTH ; ALLY, and XXXX XXXX, are Guilty of : " Red-Lining ''. Most Appreciatively. XXXX. XXXX XXXX. Text/Cell : XXXX. E-mail : XXXX