WillisBack/dataset-financial-user-claim huggingface dataset:
Re : Bank of America Home Loans for the account of XXXX XXXX Property Address XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone XXXX BOA Account # XXXX For the last 3 months I have been working with Bank of America ( BOA ) to facilitate a Short sale on the property as referenced herein. They are a Jr. Lien and they are way upside down. The first mortgage is at least 200K over the property value. Therefore BOA as a second Jr. Lien they have no equity. 
In Bankruptcy court BOA would be considered an Unsecured creditor. My client has made numerous offers to pay as much as 5K to settle the Matter. In most cases like this BOA has just issued a satisfaction and just extinguish the money due knowing that if they went to Serifs sale or Bankruptcy they  would get XXXX. 
The problem is however that Bank of America did not process the submission as a short sale but as a loan Modification. It was not until XX/XX/XXXX that they recognized their mistake and sent me a letter to that effect and acknowledge and forwarded the short sale request to a specialist and promised an answer in 2 to 3 business days. ( See attached letter from BOA dated XX/XX/XXXX to confirm that fact. ) Since then I as well as my clients have heard nothing. On XX/XX/XXXX I made a phone call to BOA  Customer service. They told me that their was no short sale application pending or initiated However the loan modification application that we never submitted for had a missing document request and is still pending. The house is vacant and based on BOA underwriting that is the Number 1 reason to not do a loan modification and to do a Short Sale. Please help me in this matter to stop Bank of America from acting in bad faith and or to fine and sanction them or both for acting in bad faith and refusing to offer my client any kind of foreclosure alternative as a Short Sale. Thank you
The collection agency is attempting to collect for XXXX XXXX XXXX. They are " balance billing '' after XXXX XXXX XXXX agreed and accepted payment in full from my insurance company for services. they have also contated my plae of emplymen and disclosed my debt to my coworkers who came to me and informed me that they did not think that was legal or right.
I have XXXX at the time of this medical service and my XXXX was fully responsible for paying the medical bill. I had XXXX at the time for me and my XXXX kids as a single dad when I lost my job in 2012. The medical provider failed to file claimed with XXXX even after I provided my XXXX information at the time of service. This is wrongful collection attempt that has significantly affected my credit and I would ask that the collection be removed from my credit file.
I have received several calls back to back from the same company saying they are going to send me to court for debt. The calls started on XXXX XXXX, 2016. They left a threatening voicemail to send me to court. The next day, the same lady that was on the voicemail called me 4 times back to back and I answered and asked that she please leave a voicemail and stop calling me. She says " I 'm gon na keep calling you until you pay this debt! So hang up so I can continue calling. '' The only reason why I have n't received any more calls is because I blocked the number on my phone. I then called to speak to the supervisor and he was rude saying " Well if you answered and paid your debt, she would n't keep calling you. '' I then told him that harassment is against the law and his associate was harassing me. He said " Well since you wan na report me, I 'm gon na go ahead and send you to court. We do n't care about a harassment charge. You should just pay us. '' I then hung up and proceeded to report them.
This company continues to call my place of employment a few times a week after they have been told I can not accept personal calls at work.
Bank of America has reported me late to the credit bureaus on a Home Equity Line of Credit. I contacted BofA and asked for the reporting be corrected. I work in a XXXX XXXX. For some reason BofA was not including the XXXX  number on the monthly statement. I have other account with BofA, business & personal checking, these statement does include my XXXX number in the address. 
I contacted BofA and requested a correction to my credit report. BofA told me I needed to file a dispute with the 3 credit bureaus. I filed a dispute and included copies of the monthly statement with the insufficient address. I later received a letter stating, information reported is accurate from the bureaus. 
According to the Fair Credit Reporting Act, It is the creditor responsibility to make sure they have the correct address for the consumer. This reporting should be corrected.
1ST MY SON HAD NEED FOR A DEPOSITE OF ABOUT A XXXX DOLLARS CASH INTO HIS ACCOUNT AND HE WAS OUT OF TOWN WE JUST WANTED TO DEPOSITE AND CASE BANK Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX THIS IS WRONG ARE LIVING IN STATE THAT WE CA N'T TAKE CASH XXXX ALSO I WENT TO GET A MONEY ORDER BUT IF YOU DONT BANK THIER THEY WANT SELL YOU A MONEY ORDER TO PAY THE GOVERNMENT.
I was used as a reference for a personal loan, this person is apparently late on their payments because I continue to receive calls from the loan company asking me to inform person to contact them. I would receive almost daily calls couple months ago until I blocked the company 's number. I then started receiving calls from employees personal phones. I did tell the company twice to stop calling me but today I received yet another call from a personal phone.
I have XXXX accounts with Wells Fargo. I was told when I opened them that my checking would be linked with XXXX of my savings account which was the primary savings account-meaning more money in it to avoid any over draft fees. I received fees when I had money in all XXXX accounts including the credit card account which would be the XXXX. I want all the fees back and in a timely manner. They are rude, disgusting and when the fees are returned I will be shutting down all XXXX accounts and going to another bank. Tell me how you would charge overdraft fees when all XXXX accounts have money in them?
Wells Fargo has closed my secured credit card sometimes in XXXX of XXXX. I have found out about it in XXXX XXXX. I was told I should be getting my security deposit back to my checking account soon. In XXXX I still have not been given back my security deposit of {$600.00}. I n XXXX called again and got answer that they sent refund check to the address I do not live no longer. they were supposed to return money o my checking account two months ago. I was told I can go to any branch and request refund there. ( not  true ). I want to the branch and I was told I have to wait till and of XXXX to make stop payment to reissue new check. By that time different source told me that I have cashed the check what was not true ( someone else took it and cashed ). I sent the fraud form the bank branch and they claim that there is no form on file to process it. next time I was told there is a case but not assigned to anyone. case number was never given to me at no time. it ahs been 6 months and I have not gotten my money back
2nd Mortgage is with HFC, subsid of HSBC. The company, when calling the XXXX number, reports that the divisions, centers, resources in the US have closed and that there was a notification of who the new owners were of the mortgage. For years they have reportedly tried to contact me, via snail mail. electronic services have never worked, printed seemed like a better plan. NOW, need the XX/XX/2017 Taxes paid and the company is no longer in the US. More over, the payment is on autodraft, no contact details are available and if there were, it would only be to a processing center, not the actual company behind it, since they likely process payments for lots of company 's. Worse now, this 100 % inhibits any plans or change with the property, until the loan is paid off OR bought out by a refi to a company we CAN talk to. HELP, THERE is LITERALLY NOTHING THAT CAN BE DONE??? REALLY?? I saw mention of a class action lawsuit against HFC, for reckless, malicious intent, interest rates, unbelieveable behavior.
I tried to file for repayment deferment based on my XXXX student status as a XXXX. student with The XXXX, XXXX, XXXX, XXXX XXXX. Even though the school has no electronic code ( the main reason SallieMae refuses to grant my deferment ), which XXXX universities do not have, the following fact is obtain from XXXX, XXXX paragraph down : The XXXX is also one of only three XXXX XXXX higher education institutions to gain accreditation in the United States of America by the Middle States Commission on Higher Education , [ XXXX ] an institutional accrediting agency, recognized by the United States Secretary of Education and the Council for Higher Education Accreditation. I intent to file a lawsuit against SallieMae, and to publish bad publicity about this loan institute. The lack of an electronic code is completely irrelevant to this case. All that matters is my XXXX status at a XXXX university in the United States, even if the university is headquartered in XXXX, XXXX, XXXX.
I opened my checking and savings account on XX/XX/18 using a link on the Citi website promising a bonus of {$400.00} if I would deposit {$15000.00} into my checking account and keep it there for 60 days. According to the terms of the offer, the {$400.00} bonus would be paid out within 90 days after the 60 day time requirement was met. That 90 day deadline is XX/XX/18, and the bonus was not paid within the promised timeline. 

I'm attaching the transcript of an online chat I had with one of Citi 's representative 's which confirms the facts that I met the terms of the offer, the dates involved, and the bonus hasn't been paid yet.
experian has energy bill on my credit report that doesnt belong to me that is paid with a late payment it is being reported as in a bankruptcy that i do not have it is just all incorrect it has stopped me from getting credit because it is reporting being settled in a bankruptcy and late. Also The bureaus are reporting my student loans as being paid late and i have never paid them late i have asked to be forwarded the proof of these late payments and have not received it. i have not paid these loans late. The bureaus have merged incorrect items on my files on XXXX other occasions and it has taken over XXXX years and i have still not gotten all of the items fixed yet i would like for them to take the energy bill off of my credit it is not mine, i have never had a bankruptcy or an energy bill in my name and remove either the closed student loans or update the late payments to the correct status. i know they can not send proof of these payments being late because i have never paid them late.
Transunion reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess
I have asked multiple times for a cease and desist of all paper communication regarding my account, but Suntrust continues to send me prepayment notices after they claim they have completed my request. It is extremely annoying to get a prepayment notice when I only pay a few days before my due date ; it's not like I am paying several months ahead. I'm paying the current month 's payment in the month it is due, before the due date. They need to stop wasting paper and sending me these unnecessary notices. I want a cease and desist on all paper communication regarding my account.
This involves the massive XXXX Security breach. I froze my XXXX report and had no charge for doing so. However, Experian and XXXX demand fees before freezing my credit report. 
Since this breach was caused by XXXX, I do n't believe that I should have to pay for the Experian and XXXX freezes.
I opened an account with XXXX XXXX XXXX. I had a CC with this company for under or right at {$1000.00} and I missed one or two payments in a row due to a rough time in my life. I came to find the account was closed without them notifying me. It was then passed along to XXXX XXXX XXXX. I have tried to work out a deal with them to pay off this debt. To no avail. They offered to have me pay off half of the debt which is about {$500.00} in one lump sum. I asked if theres any other options and they said yes, to pay the full {$1100.00} is dollars over time through multiple payments. They would n't offer a discount off of the total owed including fees.
Hello I went to get a personal loan so I can help with my mom 's meds and I was denied by the bank I've been with for 11 years. I got a copy of my credit report and there so items on there that are not mine. Please have these taken off my credit. I have already contact the FTC and the police Department. I am doing this on my own behalf. XXXX XXXX, AXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX XXXX.
My account at coinbase.com is locked and I can not access it. They have thousands of dollars of my funds in their system that I can no longer access. I have contacted customer support for over a month now and gotten no reply.
Original loan disbursement date was XX/XX/XXXX in the amount of {$10000.00} with a repayment term of 121 months. Repayment began on XX/XX/XXXX with a repayment term of 210 months. Since that point in time the loan has been " redisclosed '' against my wishes or request. The loan has been redisclosed on the following dates with the below terms. 
XX/XX/XXXX Repayment term 239 months XX/XX/XXXX repayment term 210 months XX/XX/XXXX repayment term 197 months XX/XX/XXXX repayment term 185 months XX/XX/XXXX repayment term 174 months XX/XX/XXXX repayment term 165 months XX/XX/XXXX repayment term 153 months XX/XX/XXXX repayment term 143 months XX/XX/XXXX repayment term 131 months XX/XX/XXXX repayment term 121 months As of XX/XX/XXXX statement {$11000.00} has been paid on an original balance of {$10000.00} of which {$7300.00} was interest and {$4200.00} principal. The current outstanding balance is still {$6300.00}. 

The constant redisclosure of a customer who makes on time payments for more than the minimum balance is resulting in a loan that will essentially never be paid off. The stated interest rate of 6.13 % is deceiving as it only is a interest rate of the current redisclosed loan. When you take in the original balance and what has already been paid plus what is still outstanding the interest rate is over 300 %
OnXX/XX/XXXXXX/XX/XXXX A submitted was made with XXXX  against XXXX XXXX which is an collection for the amount of {$2100.00} date open XX/XX/XXXX. They have not provided me with any document showing I ever had a contract with them. I have no knowledge of this collection or amount. I would like for this collection to be removed from my credit report
i submitted multiple accounts that were inaccurately reporting to my file to be investigated and corrected or deleted. Yet the agencies kept verifying the inaccurate accounts and illegal reporting as correct. They were not. especially in my case since i have filed for bankruptcy and the accounts were appearing as open/delinquent/active and in some cases with a balance. they information within the accounts were also incorrect. 
they keep verifying items as accurate and mine when they are not. i have received absolutely NO evidence of an investigation and the XXXX phone number they provide me contains no dial tone and i can not get through to any furnishers to see whether or not an investigation has ever occurred.
Account with ashley home stores, through synchrony bank.
I pay over half of my minimum payment bi-weekly. some months this pays three times a month. but this ensures at least two payments are made in between due dates, however due to a billing cycle error where the due date is 8 days before the billing cycle ends, some of my payments are applied to previous statements instead of the current billing cycle. this results in a late fee and interest charged on my deferred interest account.
On my may statement three payments were made, the last of which was on   XXXX   XXXX  , one day before the billing cycle ends, because of the bi-weekly pay schedule only one payment was made between   XXXX   XXXX   and   XXXX   XXXX   the next due date. Synchrony bank is not allowing a full month between billing cycle and due date to apply payments. this allows customers a pay window of 20-23 days to make the payment, previous applied payments after the due date, but before the end of the billing cycle do not apply to the next due date.
My wife and I have had a tax abatement for the last 6 years our Mortgage is currently through Ocwen. They collect the regular property tax amount on a monthly basis and place it into an escrow account. At the end of the year our taxes typically amount to {$200.00} however our current tax amount is {$1500.00} the smaller amount gets paid annually by Ocwen however I never see where the rest of the money they collected goes I have written them and called them multiple times. they are not able to give me an answer I dont see the money going towards principal ither it just disappears. I contacted the state of Utah and they dont get the extra money either.
I applied for a XXXX account through Citibank XX/XX/XXXX. The account came with a ThankYou points promotion ; if I fund the account and make bill payments from their portal in two consecutive months, then I 'll receive XXXX points 90 days after the last bill payment is processed. I was told by numerous Customer Service Representatives, both online and by phone, that the account was in good standing and that I qualified for the promotion. It was only after the 90 days had passed, which was XX/XX/XXXX, and they had charged several monthly fees for the account, that I was told that I did not qualify for the promotion. I tried to resolve the issue by asking for my issue to be escalated internally, but I kept getting the same response, despite being told numerous times that I qualified for the promotion.
Navient Solutions has been contacted several times to address the interest rate on a personal loan acquired originally as a XXXX XXXX XXXX loan. The original balance {$4500.00} in 2009. I was unaware of the loan, but luckily it was being automatically debited from my bank account. Navient Solutions has acquired the ~ {$2700.00} loan and set the interest rate at 14.99 %, I was not even notified when the transfer of service occurred or given any further options. I contact them at least every few months, try to make more payments but they put the payment towards interest and not principle despite the majority of the payment amount going towards the interest. The loan continues to increase every month despite my payments, they refuse to allow me flexibility to increase the automatic payments and they refuse to reevaluate the interest loan. This is the practice for my Federal Loan as well, there are no other option for repayment. I have not missed a payment on any loan for at least 5 years and all I see is the loan balance increase despite my efforts and extreme hardship on my family as a result. I am unable to transfer my loans, consolidate, and I am not sure what to do as this institutions can not " advice '' on a solution.
Since XXXX when I submitted a complaint against Experian, my credit score has decreased by 102 points. 
I noticed in their summary of report that my number of late payments has increased from 1 to 2.
my years of credit history has decreased from 37 to 12 and other factors have decreased to a credit score of XXXX ( XXXX XXXX. 
This all occurred within a XXXX period in nonconformance with the normal XXXX update period. 

Since XXXX I have paid credit repair bureaus and have expended my own time to do everything possible to increase my credit score.
My current credit score is near the same or WORSE since my time and investment of six months ... all resulting from a complaint I submitted against Experian.
I have the XXXX XXXX card which is administered by SYNCHRONY BANK. 

I have 6 months interest free promotional offers and have used their offers often, but starting noticing that they were paying off my least amount of interest first leaving the ones with higher interest so that they would rack up more interest charges. I called and complained and they were removed. Was then told to call in each month to say where I wanted my payments allocated too. During my last 2 billing cycles NONE of my payments have been applied to where I wanted them and feel as thou they are jerking me around to get more money from me. Which means they are most likely doing this to others as well. 

I still have an interest FREE payment running till 2019 and was so fed up with them not allocating the funds for the last 2 billing payments where I asked that I just paid the whole statement in Full this billing Cycle. This is such an unfair practice and if it continues I will file a lawsuit against them. 

They tell their consumers to call into them to make sure payments get to the right things you want to pay off but then just apply it all like they've been doing so that they will still get Interest Charges.  I'm done with XXXX and any companies they do business with.
I have disputed this entry on my account with XXXX  bureaus as well as with Accelerated Financial. Accelerated Financial placed this erroneous, inaccurate entry on my credit report without providing a dunning letter or any sufficient documentation that would have informed of their intent to collect this alleged debt. The response I received from the bureau stated the account entry was verified ; however, I immediately sent Accelerated Financial ( see attached letter ). Accelerated Financial did not pick up the letter ( see attached letter ) that was returned to me undeliverable although the address I sent was the address listed on my credit report. How then was XXXX able to verify that the information was verified? 

By not providing the dunning letter as required by law and not picking up the dispute that was sent, Accelerated is in violation of my consumer rights. In my letter that I provided to dispute the validity of their account entry I specifically requested : *An agreement that states their authority to collect on this alleged debt *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of the bonding agent for collection agency in case legal action becomes necessary No correspondence was provided. This entry should be DELETED immediately.