WillisBack/dataset-financial-user-claim huggingface dataset:
In regards to our loan with Ally Bank and serviced by XXXX XXXX, we were approved for a short sale in XX/XX/XXXX. This was after one year of multiple submissions of paperwork and then the need to escalate to the President 's Office at XXXX XXXX to gain final approval. 

For the record, on multiple occasions and even after escalation, the Real Estate Agent representing the property struggled with XXXX XXXX to provide up to date and accurate information. Specifically, and on more than one occasion, the Real Estate Agent was denied access to the loan information even though approval had been provided formally by the property owners with the submission of necessary paperwork to allow access. And, while the President 's office was responsive to our needs the " left hand did not know what the right hand was doing '' and the communication was lacking and in some cases contradictory, i.e., the information provided by the Customer Service Department and the President 's Office was not the same. 

Specifically, as an example of the lack of accurate and necessary communication, on XX/XX/XXXX and XX/XX/XXXX, the representing Real Estate Agent spoke with both the Customer Service Department and the President 's Office at XXXX XXXX and was not informed that the approval for short sale had expired on XX/XX/XXXX. 

In regards to this, the policy automatically becomes foreclosure 14 days from the expiration of the short sale approval. While the representing Real state Agent was able to garner a 1 week extension they were still not informed, in any conversations on XX/XX/XXXX or XX/XX/XXXX, the short sale approval had expired. Their was no specific reason provided as to the reason the property was going into foreclosure. 

To summarize our position, if XXXX XXXX had informed the Real Estate Agent that the short sale had expired, the necessary paperwork for resumption of the short sale could have been provided and the automatic 14 day foreclosure policy would not have come into play. 

Finally, we have provided to Ally Bank through XXXX XXXX a legitimate sale offer but Ally Bank not understanding the issues with XXXX XXXX has refused to rescind the date of auction. 

In the end, we are asking Ally Bank to rescind the foreclosure and to remove the property from auction on XX/XX/XXXX and to consider the sale offer. 

Thank you for your consideration.
Someone stole my personal information and has been opening credit cards in my name. I 've submitted police reports to Experian and they refuse to remove the false, fraudulent accounts and inquiries. Someone opened a  XXXX    XXXX   credit card,  XXXX   XXXX   XXXX  Credit Card, and  XXXX . Additionally, there are numerous unauthorized credit inquiries I 've only allowed  XXXX  credit inquiry in the last three years. That is   XXXX   XXXX  .
Notified the company on XX/XX/XXXXthat some one had changed info in my account with out my permission and it was later notified to me it was management at the store. 
XXXXXX/XX/XXXX made contact and also onXX/XX/XXXX made contact thru XXXX chat with chat id # XXXX rep XXXX XXXX I had also made a complaint with the BBB and XXXX corp office contacted me and I 'm still seeing thid on my credit
I contacted Citi with the request below : " I am writing this letter to inform you that I have lost my job on XXXX XXXX, and I am having difficulty paying all of my debts each month. This is a temporary condition as I decided to improve my skills by going back to school to get the XXXX license. I suspect that I am going to have trouble paying my debts for the next year as I have depleted most of my savings in my school cost, licensing cost, and personal living expenditures. 

I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting. 

I believe that if we both work in good faith, we will save each other unnecessary financial harm and many costs by avoiding going into a reduced debt settlements or a time consuming debt negotiation. 

I would like this payment reduced As Soon As possible so that I can continue to pay all of my bills and living expenses on time and current in this time of economic hardship '' They responded : From : XXXX XXXX Date : XX/XX/XXXX Account Number : Citi ( R ) / AAdvantage ( R ) Platinum Select ( R ) XXXX Subject : Re : Credit Card Agreement Reference : XXXX Dear XXXX XXXX XXXX XXXX, Unfortunately, we are unable to handle your request to reduce payment through the Secured Message Center. However, we have forwarded your inquiry to the appropriate department for investigation. If you need immediate assistance, please call our Customer Service Center at XXXX. If you are outside the United States, please call us collect at XXXX. Our telecommunication number for our hearing impaired customers is CS TDD XXXX. 

We appreciate your patience. 

Sincerely, XXXX XXXX Account Specialist. 

Then : I called the number provided three times, the last time on XXXX/XXXX/XXXX, but no one knew how to help me or what department could. 

I 'm hoping to : I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting.
National Credit Systems is reporting on my credit report with XXXX, XXXX and XXXX. I have disputed this item and sent National Credit System a debt validation on XXXX XXXX, XXXX. National Credit Systems has not responded
I use my bank account to pay for my credit card debt on a regular basis. I have experienced problems with my privacy of my account being violated and my payments being manipulated. I have complained to the bank about this breach, but it will not investigate the breach and inform me when, where it happened, and who was responsible for it. they refused to answer my question of who has access to my accounts.
I 'm sick of my credit score changing with each company. Tons of wrong info. Names dates chargers. I want it cleared would love to see a accurate report.
I called the XXXX XXXX XXXX  XXXX XXXX OF ACCOUNT XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX on XX/XX/2018 and spoke to 3 different people. I had asked that if I paid the {$54.00} that was on my credit report would they agree to remove this debt from the report. I had asked for this in writing or via email. They told me repeatedly that they remove it as a curtesy and would not send me something in writing before I paid. They told me the only thing they would do was send me a receipt after I paid and told me the actual amount that was owed was {$88.00}. They told me that they can not report any debt under {$50.00}. When I asked again to see this in writing they told me that their calls are recorded and that would be my proof. I told them that doesn't give me anything because they are the ones with the recorded call.. not me.. I asked again to have the amount in writing and was denied. I thanked them for their help and hung up.. This doesn't seem legal or legit to me. I want this removed from my credit report ( s ). Thank You
My son, XXXX XXXX XXXX XXXX died on XXXX XXXX, XXXX from XXXX related issues. He had turned XXXX on XXXX XXXX, XXXX. He had purchased a home through the VA and GI Bill in XXXX. He was divorced with XXXX heir a daughter XXXX XXXX. I am seeking your help because I advised RCS of his death and advised them that as executor of his state I was selling the home at XXXX XXXX XXXX XXXX at the request of his daughter. They filed a foreclosure notice in XXXX XXXX. I had my attorney to contact them to provide me with the loan papers. They did not. I went to Congressman XXXX XXXX office to request additional help because they were ignoring my attorney 's request. I filed a complain about Residential Credit Solutions ' practices with the Consumer Protection Bureau. After about six months the documents were produced. I want to thank CFPB for their help in that matter. 
On XXXX XXXX, XXXX I wrote a letter to XXXX XXXX, CEO and Residential Credit Solutions President. I advised them that I had a full offer on the house at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and we were due to close very soon. Everything was done and when the title company asked them to complete the paperwork to close the sale later that month, they requested a price greater that the full asking price of the house as well as the fair market value. I contacted RCS prior to closing and advised of the sale price of the home. I was told by XXXX or some young man at RCS ' office in XXXX XXXX that that they would work with us and do a short sale or find a way to let the sale go through. My attorney spoke with a representattive from RCS who also assured him that the sale would go through even if it was a short sale. I went to the RCS Office on XXXX XXXX in XXXX XXXX with my realtor and we were turned away and told that they do not do business face to face. I had to leave my information as well as the realtor 's and someone would call me back. I did receive a call later and was told that they do allow sales on a home like ours and they work would help us to help sell the house. The buyers who put a contract to purchase the home have now terminated the contract and all I have received from Residential Credit Solutions is a new point of contact letter and statements telling me how much is owed. I am now so grieved and frustrated with this process of trying to sell my son 's home that I am now seeking your help to stop this predatory mortgage servicer from preying on any more veterans .I am asking that all the fees and interest be removed, and an explanation of the unusually high escrow be explained in detail and that me and my granddaughter be compensated for the mental anguish we suffered in dealing with this mortgage company while trying to sell a house. This is very unethical and is possibly criminal. If there is any law that has been violated, I want them punished to the full extent of the law. Please help us with this company. My attorney XXXX XXXX XXXX will be sending you more correspondence regarding his attempts to get Residential Credit Solutions to resolve this matter.
XXXX XXXX XXXXXXXX from 2015 I never had a loan from XXXX XXXX XXXXXXXX at all, and they keep charging me.
On XX/XX/XXXX i received my trial modification paperwork from XXXX. first paymnet due on XX/XX/XXXX final on XX/XX/XXXX on XXXX mortgage was then sold to I Carrington Mtg Co. I have made all my required payment as agreed in the trial modification, I received my final docements on XX/XX/XXXX and returned them on XX/XX/XXXX. The papers stated my first payment is due on XX/XX/XXXX but Carrington advised I was due a payment in XX/XX/XXXX and cant tell me where that money is going and the final modification paper amount will differ because of that payment, I can not get a straight answer as to when my final docs will be uploaded they can not give me a balance etc but they are wanting a payment when i clearly made XX/XX/XXXX pymnt in XX/XX/XXXX and the documents state the account wasnt due until XX/XX/XXXX when I was made to pay it in XX/XX/XXXX. They are still reporting negative to my credit and all my payments are being made.
3 days ago ( XX/XX/2017 ) I sent XXXX bitcoin from bittrex to gdax ( I 've done it before several times ) I received a confirmation email from gdax - coinbase as usual but this time the bitcoin have never arrived Transaction hash is : XXXX I found my transaction in the blockchain and it is completed ( spent ) but I still have n't received the bitcoin I tried to contact gdax-coinbase several times but they do n't answer
I became behind on my Military Star Card when my Fianc got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment ed for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund.
i never owed this debt and there claiming i owed it they lied in your response i have a letter from synchonry that says otherwise they need to be investigated for illegal collections tactics this was there previous response Crown Asset Management ( 'CAM ' ) is in receipt of XXXX XXXX XXXX CFPB Complaint Case # XXXX. As stated in our Consumer Relations Policy, in all that we do, we strive to treat consumers with respect and integrity. We are committed to engaging in dialogue that is respectful and constructive, creating solutions for our consumers that resolves their debt, and ensuring that those who work on our behalf adhere to these same standards. Our investigation of this matter indicates that XXXX XXXX XXXX XXXX opened a XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) XXXX 's XXXX Business Credit Card account ending in XXXX on XX/XX/XXXX, for which XXXX XXXX is the personal guarantor. From XX/XX/XXXX until on or about XX/XX/XXXX merchandise including, but not limited to cat food, cat litter, cheese, deodorant, and approximately {$8700.00} in gift cards was charged to the account without any payments thereafter. The account was charged-off on XX/XX/XXXX, and subsequently purchased by CAM on XX/XX/XXXX. Additionally, and as part of our investigation CAM is unable to confirm XXXX XXXX XXXX XXXX has filed bankruptcy as stated in the complaint. However, since a copy of the credit application, or similar original account-level documentation, confirming XXXX XXXX is a personal guarantee is not readily accessible at the time of this response, CAM shall cease future collection efforts from XXXX XXXX until said documentation is received.
This medical bill was paid to another collector and Ohio XXXX has been unable to provide an accurate statement that it is a valid charge. I told State Collector to return the collection to Ohio XXXX and they have not sent the disputed charge back to Ohio XXXX. It is not a valid collection and should be removed from my credit immediately.
Initially discharged in Bankruptcy. Account not paid late. Made arrangements with XXXX XXXX before splitting to Navient and was paying. Instead of reporting payments Navient reported me late damaging my credit and that of my co-signer which is a US Service Member XXXX XXXX.
While reviewing my statements for securing some pay-off figures with the Lender, Santander Bank, I have just discovered that an annual {$50.00} fee has been added into the balance of the loan principal amount due, thereby increasing the ending balance figure. This inflated balance figure is subject to ongoing interest expense ; which has occurred for the duration of my HELOC account with this Bank. This practice has been happening since the loan rewrite in XX/XX/2014. 

The expense of an annual {$50.00} fee and aggregate interest ( a variable figure ) was rolled into the loan amount, which increased my costs to a non-calculated amount. This increase in interest for the inflated amount has benefited Santander for the past four years.

I have notified Santander, with the intent of paying off one portion of this structured loan, but now the amount due, as shown on their statements, has been inflated by the practice described above.
Hello, I have a leased a vehicle from XXXX and have been making consistent and on-time payments for 5 years now. I was startled to see when I checked my credit report that there was a record of a 30+ day late payment with XXXX that was negatively affecting what has been otherwise a very good credit rating. I have never been deliquent with a payment for 15 years! After checking my checking account and seeing that no check had been cashed for 2 months I realized that I was past due and immediately called their billing agency and made payment by electronic check. I am now up to date on my payments. The problem is that I believe that I am not at fault, and that XXXX IS at fault for this late payment. Therefore, I called XXXX explaining the situation and requesting that 1 ) XXXX waive any late fees associated with the payment and 2 ) that XXXX go back to my credit report and state that I was not deliquent on any payment. XXXX was willing to do number XXXX, but they were adamant about not going and correcting my late payment on my credit report, claiming that because XXXX was not at fault, they had no obligation to do so. I then contacted Experian, and after their investigation, they did not amend my credit report either. 

I believe that XXXX is wrong, and that they are obliged by law to correct my credit report, since the reason that the payment was late was their fault not mine..I have leased with XXXX for 5 years and never missed a payment till XXXX XXXX. XXXX on the other hand has always been quite haphazard with when I receive invoices from them. Sometimes I will receive them within a couple weeks of the due date, other times just within days of the due date ( in which time I have to turn around and pay the bill very quickly ). XXXX time I even had to call XXXX and ask where my bill was as I was getting nervous that I would be late due to getting their invoice not in time to mail payment back. I also found out from XXXX that they use XXXX party entities to send out invoices and to process payments. In the case here, XXXX never sent me the invoice for the months in question, and naturally I did not pay since if there is no bill, it does not enter my mind to send a check. It would be impossible to keep track of all my bills without the invoices that the companies send me! XXXX says that it is my responsibility to pay, even if they failed to send an invoice for that month, but that does n't seem fair at all putting all that responsibility on the consumer. Even this month, XXXX claims that they sent an invoice on XXXX XXXX, and I am still waiting for the bill. Why should my credit score be damaged seriously by something that is XXXX 's fault? 

I am further frustrated by the fact that XXXX never communicated with me effectively in telling me that I was late for payment ( in which case I would have paid immediately ). The only thing they did was left a vague phone message which I did n't return because I thought it was regarding a completely different issue that I had called them about and was not urgent for an answer. I wish they would have sent me a letter or something to let me know I was late!
A dispute was filed against XXXX ... .challenging ownership of thi acct ... XXXX never responded ... .they just increased the amt of time for the collection to appear on my report ... .I got slapped by XXXX for asking for a right afforded by the FDCRA ... .XXXXdoes as they please ....
Background - Went to court because my former business partner stopped paying me in XX/XX/XXXX per our buyout agreement. I've been living on my savings since XX/XX/XXXX. Wasn't able to make my mortgage payments in XX/XX/XXXX and XXXX XXXX sold my loan to Rushmore Loan Management, a debt collector, in XX/XX/XXXX. My lawsuit was resolved in the fall of XX/XX/XXXX where I receive half the amount I was receiving originally. 
Rushmore required {$5000.00} for an initial deposit and increased my monthly payment from approximately {$3300.00} to {$4700.00} per month based on a 7 % fixed interest rate. Rushmore is ruining our credit score and profiting from our problems. 
I am XXXX years old. If my former partner honored our buyout agreement, I would not be in this situation. My attorney fees were in excess of {$100000.00} and took over 2 years to reach a reduced agreement. 
I've requested that Rushmore modify our loan and add the {$33000.00} outstanding balance to our loan amount to take us out of foreclosure status. They have not done that. They don't return calls or emails.
I attempted to cancel my XXXX XXXX membership today XX/XX/XXXX. I went to the gym and they told me I had to call XXXX. I did so and hey would not accept my cancelation and onXX/XX/XXXX they intend to charge me {$50.00} for a yearly membership. I am a senior citizen on a fixed income and can not afford to pay this charge ... ..I then called my XXXX Credit Card and they told me they can not refuse the request for payment. I have to let them pay the {$50.00} and then dispute it ... .Something is very wrong with this system.