WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18, I received a communication from XXXX XXXX XXXX XXXX in an attempt to recover a debt on behalf of original creditor, American Express. Contents of letter indicated they were offering to settle the debt at 35 % of balance owed over the course of 24 months. 

I called the office notated on the letter to offer to pay the settlement offer outlined, in full, via bank check, provided they send over a letter, on company letterhead, outlining the following : 1.  Verification of debt 2. Verification of authorization to collect debt on behalf of American Express 3. Terms of settlement offer 4. Next steps for discharging debt/judgement with American Express attorneys ( Satisfaction of Judgement ) The original call center rep, XXXX XXXX, attempted to collect information irrelevant to the settlement offer I was agreeing to pay in full today, such as employment information, why I was in debt, what I am doing to prevent it, as well as information to secure a post dated check from me, or bank routing details. 

I further confirmed that I will await settlement terms above in writing, and upon receipt, will send full settlement offer via Bank check. They seemed unwilling to entertain any conversation that did not entail passing them my personal banking information. 

After conceding to sending the above letter to me via overnight mail, she put me on hold to verify with her floor supervisor, XXXX (? ), who then took the line and proceeded to argue that they would not verify in writing that they are authorized to collect debt or authorize settlement. 

After further escalation to his supervisor, whose name I did not catch, I was told the same, argued with, and essentially prevented from paying the outstanding debt if I would not do so without written verification of settlement terms and verification of authorization of their agency to collect. I was told to contact American Express and figure it out myself. 

Further, this agency has contacted various parties outside of myself in attempt to collect debt, and without the above verification, I have requested they cease and desist and further communication, via any channels. 

I then contacted American Express to discuss alternate means of settling said debt directly. They opened an internal inquiry/complaint against XXXX XXXX, as they are their contracted firm, and will be outlining to this agency that they are to follow the request I have made in order to settle the debt, as it is reasonable and to the letter of the law, and will alternately consider leveraging a different third party collection agency to settle said debt on their behalf.
My husband and I purchased a home in XX/XX/XXXX that accommodated his XXXX as a result of two unsuccessful XXXX. Since I took a temporary family leave from my job, I was not on the loan with Wells Fargo, due to no income ; only my husband 's pension and social security were used to qualify. The downpayment of {$110000.00} did come from my XXXX. For the next two and half years, XXXX and in XXXX XXXX, my husband was XXXX and died in XXXX XXXX. For the past two months, I have been trying to communicate with Wells Fargo, both in person at a branch and by the customer service number. On several occasions, I have been given wrong information, told to send documentation ( attached to this complaint ) of his death certificate, copy of his will, completion of probate, etc. I explained that I am now 100 % owner due to joint tenants with right of survivorship, although it was also referenced in the will. Wells Fargo still refuses to allow me to discuss the loan, only the executor of the will, although I have been the one making the payments. They have made errors in applying early payments, showing as principal reduction. ( I purposely made payments to get ahead and cover the next three months XXXX. I have ask that the loan be placed in my name and under my social security number, but each time I am told I must qualify for the loan ( I just returned to work ) and pay an assumption fee of 1 %. Since I previously was in mortgage banking for 29 years, I told them they were incorrect, due to my circumstance. I was then told by the clerk that due to the Dodd-Frank Act, everyone must prove the ability to pay. I told her I just went back to work XXXX, did not qualify ; she told me to call back in a couple of years or better yet, just pay them off. Frustrated, I checked your website and found that the CFPB does not require the lender to qualify a person when it pertains to inheritance, divorce, etc. ( as I already knew XXXX. I tried called two more times, and got the same response from other individuals, although the last woman said they could speak to me only if the executor gave them permission. I explained that the probate was already complete and the paperwork had been provided to them. Clearly, I am getting nowhere but continue to provide more and more information. 
All I want to do is have the loan showing me as being responsible ( it is NOT owned by the estate ), be reported under my social security number ( not my husband 's number that now shows as being retired due to death ) and be able to speak with them to correct errors. 
Please help!
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Recently my mortgage company, US Bank Home Mortgage, raised their " Online Payment Fee '' to {$5.00}. I wrote to them to complain because they encourage their customers to go paperless and enroll in their e-bill service and it seemed very wrong to then punish the customers who did so. I was told that this fee only applied to online payments made after the XXXX of the month, but that it was not a late fee. I was told that I could avoid this fee by either mailing in my payment or paying online by the XXXX of the month. When I responded by saying that any fee that is applied conditionally based on time sure sounded a lot like a late fee, I hit a stone wall at the company. As part of my mortgage agreement I have until the XXXX of the month to pay before any fees are assessed. This " online payment fee '' that is only applied after the XXXX of the month seems like a very sneaky way to apply a late fee when legally none should be applied. They keep claiming that it 's not a late fee but I 'm not sure how that 's possible when it 's only applied after a certain date every month. I think they 're being incredibly shady and trying to milk a few extra bucks out of their customers that they themselves encourage to transition to online payments.
Experian had XXXX hard inquires on my credit report from XXXX XXXX on : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.
2ND LIEN MORTGAGE WAS DISCHARGED AS AN UNSECURED CREDITOR IN XXXX BANKRUPTCY IN PENNSYLVANIA. MY HOMES CURRENT VALUE IS JUST ENOUGH TO COVER MY 1ST LIEN MORTGAGE. I DONT WANT TO LOSE MY HOME SO I CONTINUED MAKING THE PAYMENTS TO DITECH ON THE 2ND LIEN MORTGAGE SINCE THE MORTGAGE WAS DISCHARGED BUT NOT THE LIEN. I HAD ASKED THEM TO PLEASE LOWER MY CURRENT RATE ( 14.50 % ) SO MY PAYMENT WOULD NOT BE SO LARGE. THEY SAID THEY COULD NOT MODIFY MY MORTGAGE LOAN BECAUSE THE DEBT WAS DISCHARGED. SINCE XXXX AFTER THE MORTGAGE LOAN WAS DISCHARGED I HAVE PAID {$29000.00} TO INTEREST AND {$3700.00} TO PRINCIPAL. THE PRINCIPAL BALANCE IS STILL {$29000.00}. KNOWING THE DEBT WAS DISCHARGED I FEEL THEY COULD HAVE ASSISTED ME BY LOWERING THE INTEREST RATE OR WAIVING ALL LOAN INTEREST. IF I DO N'T CONTINUE PAYING THE DEBT THEY CAN START THE FORCLOSURE PROCESS EVEN THOUGH THERE IS A 1ST LIEN HOLDER. <P/>I WROTE ANOTHER LETTER ON XX/XX/XXXX ASKING FOR A SETTLEMENT OFFER TO REMOVE THE LIEN. STILL NO ANSWER. CAN YOU PLEASE HELP ME WITH THIS SITUATION?
hi I bought a car from jd byryder in XXXX and it was a hot mess. it broke every other week. so I told them to come get it. I paid XXXX for a XXXX mazada truck which was a rip off. I reported them to the attorney general because I was suppose to be in this program with them to fix my credit from day one they never reported that I paid on time. and now when they came and got it 3 months later because it kept breaking down they are still repoting that I owe them XXXX on my credit after they sold it for almost the same price they sold it to me for. I do not owe them nothing.
After the bankruptcy date of XXXX/XXXX/XXXX, Ditech Financial LLC kept the account opened and continued to try to collect on a discharged account. When they were first contacted about this error and asked to stop, Ditech did not stop collecting on the account. In XXXX of XXXX Ditech was again asked to stop collecting on a discharged account, at that time they stopped communication, but they kept the account open. The account history for XXXX to XXXX should be cleared from from all XXXX credit reporting agencies because the account was discharged back in XXXX. After multiple communications with Ditech, they have not agreed to follow the mandates of the bankruptcy discharge, and to this day they refuse to close the account. They have not provided any reason for their refusal to follow the bankruptcy court discharge. Ditech has been reporting this as a foreclosure. This is illegal! The debt has been discharged through bankruptcy on XXXX/XXXX/XXXX. 
Ditech financial 's customer service representatives admitted that they show all of the bankruptcy paperwork on file, but they have told me that they will continue to collect on the debt because the account is open and active. I talked to the trustee in charge of the foreclosure process on behalf of Ditech. Ditech is attempting to foreclose on the home that we no longer own and of which the debt I 'm no longer responsible for. The trustee sent me an email telling me that they know we surrendered the home through bankruptcy and she told me that I should escalate this to a Ditech supervisor because Ditech may be reporting this debt as a foreclosure instead as a surrender in error. I called Ditech back to speak with a supervisor who told me that she can not do anything about it and that I have to send a letter to their correspondence department with my issue proving that they are making an error. This is after the Ditech people admitted to having the bankruptcy information on file and admitting that they have never followed up with my calls when I have called to have this reviewed on their end. Ditech representatives admitted that the account is still active and that they are actively seeking to collect on the debt.
Loan care did n't apply payments received then forced placed insurance on my home then filed foreclosure on my home will in foreclosure they credited me for forceplace I filed class action for forceplace they settled the case out of court but still I 'm in foreclosure please help me.
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- XXXX XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX
I never open this XXXX CHASE JPMORGAN CHASE BANK Card. It says I opened it on XX/XX/2012 but I never did. I disputed it but it still showing in my credit.
Student Loans.gov - I have a total of XXXX loans ( lines ). In XX/XX/XXXX - XXXX loans were consolidated with outstanding principal balances. The loans that were consolidated are still showing principal account balances. Nelnet said the loans were transferred to them and they ca n't make any changes. XXXX says they did not do the consolidation. Studentloans.gov says they ca n't help they only house the loans in a database. I attended XXXX XXXX College for on semester XX/XX/XXXX and Nelnet and XXXX show I owe over XXXX dollars for one semester. XXXX College of XXXX worked with me and Identified I owe them XXXX loans and Nelnet and StudentLoans say I owe XXXX loans over XXXX dollars, and XXXX XXXX College is over XXXX dollars. The schools identified there is an error, and studentloans.gov identified there is an error but nobody is changing it. I need help. Who can I call to help me. They are charging me XXXX in school loans. Nelnet is demanding payment but they wo n't correct the errors. They do n't have a promissory note for XX/XX/XXXX or XX/XX/XXXX for the consolidations.
I am receiving daily phone calls for a person who does not reside in my home. 
I have repeatedly asked Capital Accounts llc to not call me to no avail.
Experian is not taking into account all the payments and positive standing on my account and still showing a low fica score unlike XXXX  which is showing a positive increase in fica score and payment updates
I placed a wire transfer from my XXXX XXXX account ending in XXXX to Coinbase, Inc for a total value of {$3500.00}. The transfer cost me {$25.00} up front and {$10.00} when received. I placed the transfer on XXXX  XXXX XXXX, XXXX. Wire transfers are supposed to be same day if placed by XXXX PST or next day if not. I sent the money at XXXX EST. It is now XXXX XXXX, XXXX and I have yet to receive the money in my CoinbaseXXXX account. I would like to get this issue resolved as soon as possible and would further like the fees tacked onto the transaction waived because I have lost XXXX of dollars by not being able to invest my {$3500.00} into desired companies. The transaction number is # XXXX.
My son received care at XXXX XXXX Hospital on 2 occasions, XX/XX/XXXX, and XX/XX/XXXX, to address injuries received as a result of his participation in a high school athletic event. At the time of his initial hospital registration, the registrar was given XXXX insurance providers, our primary carrier which is XXXX, and the carrier used by the high school, which was at that time XXXX XXXX. 
Sometime thereafter I began receiving receipts verifying payment from other agencies who participated In his care, namely the ambulance company that provided initial transport, the surgeon who performed the procedures, and the physical therapy group that was used for his rehabilitation. 
After receiving no such notification for some time, I contacted the XXXX XXXX Hospital billing department to inquire as to the status of the account, and was given a different number to call. After placing the call I was asked for my contact information, which did not match their records as the address listed with my name was the address for XXXX XXXX XXXX XXXX, who XXXX XXXX Hospital had apparently been sending invoice statements in my name. 
XXXX XXXX 's liability had been maximized, but instead of billing XXXX, the account was made self pay. Given the incorrect address listed on my account, I was not made aware of the outstanding balance, nor the fact that my XXXX insurance had not been billed. 
After I corrected my contact information with what I was then advised was a collection agency, I checked my credit report and found that the accounts had been posted as delinquent resulting in a significant impact on my previously excellent and unblemished credit history. 
My position is that should the XXXX XXXX billing department been accurate in the documentation of both my insurance carrier and my contact information, this would never have been an issue.
I tried to purchase some items with my XXXX that is through Comenity Capital Bank. I was approved in store at XXXX with the highest interest rate of XXXX % due to my credit worthiness, I made a purchase and paid off the balance long before the due date. I had made some more purchases at the store not more than 2 or 3 weeks later and was under the assumption that my credit card was in good standing. Then I get a letter in the mail from Comenity Capital Bank on XX/XX/2017 telling me that I did not qualify for a lower interest rate on my account but they were excited to serve me as an XXXX card member. This letter is dated XX/XX/2017 and they had pulled my credit score on XX/XX/XXXX from Equifax with a score of XXXX. I tried to use my card on XX/XX/2017 at XXXX different locations and they all denied my transaction. I called the card company to find out that they had closed my account. I talked to a supervisor named XXXX from Comenity Bank who said her name would be in their documents if I needed to prove I spoke to a supervisor who gave me some answers after I had called the company 3 previous times the same day. The supervisor told me that they get their credit score from XXXX, even though the letter they sent me said their credit score was pulled from XXXX and told me that they had pulled some more information from all XXXX credit reporters and told me that the they reviewed my account, " audited '' my account and closed it on XX/XX/2017. I have checked all my credit reports and they all say that for XX/XX/2017, my accounts with Comenity Bank were in good standing. The supervisor also told me that the letter I received was sent in error and that no scores were actually pulled, but the fact that I have proof of a credit score number on the letter they sent me shows that the supervisor was not telling me the truth. All the bank keeps telling me is that I need to wait for the mail in order to know more about why they closed my account because they claimed to have no access to any records of why my account was closed even though they were the bank that closed my account. When I first had called, a representative had told me that there were notes on my account strictly stating to not re-open it. When i talked to the supervisor, she said that there was no way for them to re-open the account and that it was permanently closed and that there was nothing more she could tell me or do. She told me I would get a final bill, which I already paid off today on their bank website after getting off the phone with them, and their bank website still shows my account as completely active and does not indicate any issues. The only good thing to come from all this is that my XXXX credit report shows a hard inquiry from another credit card company that was never placed and am currently disputing it right now.
We had talked with a lender and applied with him. We used his specific guidance on a quiz for down-payment assistance, and filled it out exactly as he said we needed to. After we were pre-approved for the loan as well as the down payment assistance and already under contract on a house, he called and said we did not qualify for the down payment assistance, but said he could go ahead with the loan. He had promised and reassured us numerous times that it was good to go before submitting an offer on a house. He never could put together a good-faith estimate, nor any other details as to costs, closing or otherwise. When we asked for explanations for anything, his responses were short and lacking detail and never really answered our questions. He was never able to supply information on any costs related to the purchase of the home, only a guess at what our monthly mortgage payment " may '' be. Somewhere during this process he switched companies but never notified us of the change, only a new email. We decided to go with a trustworthy lender and fired him from our contract, and hope no-one else has to go through the XXXX of his incompetence.
I am putting a complaint today on Wells Fargo Bank because I have had a credit card with them since XX/XX/XXXX in which I was originally approved for {$2000.00} after approval I requested a credit line increase in which I was approved for {$6000.00}. I was then approved for another increase to {$12000.00}. I have had my account in good standing and on XXXX XXXX of this year I used my card for USPS for {$1.00}. After this charge there have been multiple fraudulent charges on the account in XXXX XXXX Nevada. I noticed my card was lost and have tried to call wells fargo and notify them of the activity and they are denying speaking to me over the phone and requesting for me to step in to a branch. I explained to them that i am not near a branch and they are telling me they are not going to help me. I have personal and business accounts with them have had my business account since XX/XX/XXXX and there are plenty of ways for them to verify me and they continue to try to give me a hard time.
I have been the ongoing victum of account minipulation, and excessive overdraft fee 's. Recently Citizens bank charged me an extra fee, for no traceable reason, and was hesitant to rebate the funds back. Citizens only allows one rebate per year, even if the fee was wrongfully issued to the account. I then spoke with XXXX, the supervisor for the call center, and after much debate was rebated back the fee. XXXX was not willing to work with me on any other fee 's incurred over the past year, despite my awareness of account minpulation. I have paid over a XXXX dollars this year, aswell as last year, in overdraft fee 's. I am opted out of overdraft protection, so the banks minpulates my account, in efforts to collect a fee through preauthorized debates, and checks. The bank does not give me continuous accurate account updates, and the bank will hold items for long periods of time before clearing them. The bank also states that they subtract items from highest amount to lowest, but this is not reflected on my account. Each time i speak with a call center representative, they seem to have a different set of posting rules to suit there fee 's. In short, anytime my account is low, or if i write multiple checks, the bank will find a way to post fee 's.
As I understand this issue, a student loan account was opened in 2004 for my continuance of education. During this time I had repeatedly tried to resolve the debt through settlement, however, CitiBank did not accept any terms and turned the matter over to a collection agency. The collection firm hired did not follow fair debt collection practices and was forced to remove the charge. CitiBank has now taken this matter a step further and not only have it showing on my credit as a closed/charge off account, but additionally a LATE payment since at some point they have assessed an {$8.00} charge to continue keeping this 10 year old debt matter active on my credit.