WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX XXXX XXXX credit account, managed through Synchrony Bank. I bank constantly adds late charges to my account where there are none due. This first time this happened is XX/XX/XXXX ( please refer to statements from XX/XX/XXXXto XX/XX/XXXX ). I constantly receive collection calls and when I attempt to respond and resolve the issue I am met with incompetent customer service people who English is not good and will not investigate the issue. I have to take my time to research and the issue. Since this is an error on their end they should provide the proof the my account is late or past due. These is by design on Synchrony part to harass customer they feel do not understand credit because one chooses to do business them. This equates to Fraud.
I run an XXXX in XXXX, XXXX My former accountant sent XXXX XXXX XXXX letter wishing to cancel service and then switched our phones to XXXX XXXX I received a bill from XXXX XXXX XXXX XXXX, LTD. Direct number is XXXX ext XXXX. I have told her we canceled repeatedly, however she says we did n't do it properly so we owe. I have told her I am having an attorney review the file. She called today XXXX times and is being incredibly rude to my staff, who have nothing to do with this debt. She has threatened me by stating if she wants me to stop contacting my staff then I need to give her my attorney 's name, via email that I have. I want this to stop. This is a ridiculous debt that is trying o be collected from me. The only signed contract we have is from XXXX that states after a XXXX year period then it restarts another XXXX year period. That 's XXXX. In XXXX we switched to a different phone carrier and our contract should have been cancelled. 

I do n't know what to do and would ask for any help you can provide. I want her to stop calling my staff and if she needs to communicate with me she can via certified mail. 

Please help. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
On Friday XX/XX/2018 I returned a call from XXXX after they left a message referring to " allegations '' for a debt that was 9 years old and under the amount {$300.00}. During the call while I was trying to receive information about these allegations, the rep, Mr. XXXX XXXX ( or so he called himself ) called me " young lady ''. I asked that he refer to me as " Mrs. XXXX '' moving forward. He continued to move forward as if I hadn't said anything. When he explained the debt to me, I was surprised and informed him I barely recalled it and that I was no longer at the address he had on file. I asked if information could be mailed to me so I could resolve the issue. At this point, he became very irrate, raising his voice, and telling me that I was an adult and should ... .I didn't hear the rest because I told him I found him to be disrespectful and wouldn't be continuing the call. I hung up. He called back from XXXX. I told him that I was willing to work with his company if another rep called me as I found him to be abusive and would report him. I hung up. He called my husband ( who was not my husband at the time of this alleged debt ) and tried to tell him that I was going to be served. My husband was driving at the time and asked if he could be called in five minutes to discuss the issue so he could pull over. The rep became irate again and told my husband he didn't have to call back and that he was doing him a favor, but he wasn't going to help him. Nervous that they had my contact info, I contacted CFPB for advise on how to proceed. Though the CFPB couldn't be 100 % sure, they said it sounded like a scam. I contacted the XXXX to collect more information and spoke with a rep named XXXX XXXX did provide me with the name and location of the company, XXXX XXXX XXXX in XXXX, TX, but then told me " it's above my pay grade '' to provide me with additional information and transferred me to Mr. XXXX again. I told Mr. XXXX I was ready to resolve the issue, but first I needed more information and requested a professional license #. He became irate again and said I was rude and hung up on him so he wasn't going to help me and that he didn't need to provide me with a professional license # because they were a law office not a debt collection agency. He reiterated that he tried to help me, but since I talked and acted like I was smarter than everybody he wasn't going to help me and by the way, I wasn't as smart as I thought I was. He also told me the attorney 's were drawing up the paperwork right now for the county and that I could discuss it with the judge. He also informed me they had recorded me and were sending that to the judge as well to hear how nasty and rude I was. If this is real, the only person who should have concerns is him as I remained appropriate at all times in the discussion and offered opportunities to resolve the matter.
I settled this debt with an agency representing Santander roughly 2 years ago for exactly XXXX dollars. Now Santander apparently did not status my account settled and illegally sold my difficiency balance and has a law firm of XXXX in NJ suing on behalf of the purchaser of the debt XXXX. This is exactly what the CFPB has been fighting, poor record keeping, chain of title and shady operations and debt purchasers going after people who no longer owe on their debt. I am getting my statements which I have to pay for to pull the statement that reflects the XXXX payment I paid. Why would I pay XXXX and then stop paying if it was n't a settlement? That makes no sense. If you can get the collector notes and or recorded call it is with a 100 % certainty you will see and hear a settlement was completed for XXXX dollars. It actually was going to be XXXX, but I had to borrow from my girlfriend/family so I negotiated with agency to pay XXXX. I need your help in ending banks and debt purchasers who operate like this. This is why people have a poor perception of banks and debt collection because of banks like this.
Late afternoon on XXXX XXXX, 2015 I took a check written from my business account into Bank of America to cash. There was only XXXX teller working. The check was written for {$5500.00}. The teller ran the cash through the money counting machine and then took from the stack and said she almost gave me an extra {$100.00}. She put the money in an envelope, without counting it back to me, and I left without thinking there 'd be an issue. Well there is an issue! When I counted the money, and the bank was already closed, I found out the teller had given me only {$4400.00} ... {$1100.00} short. Immediately the next morning I went to the bank and explained what happened. The first representative immediately said the count was not off {$1000.00}. My wife interjected and said it is {$1100.00} off not a {$1000.00}. The representative then went to get the supervisor and after about 30 minutes she explained they would request the video, but there was only XXXX person that managed the entire Western region so she was not sure how long it would take. She called back and said they found no error. I asked to review the video and she refused saying that it would invade customer privacy. There were no other customers at the teller. And if the cameras are focused in on the counting machine to verify it counted out correctly then that too should not be an issue of letting me review the video. Bank of America has stolen {$1100.00}. of my money. The supervisor said their investigation is closed and I really do n't know how else to pursue justice in this matter.
I lost my wallet and all my bank card was in with my information that how my account was closed I did report and told then excate what I am telling now I should not be in the XXXX cause some one still my identity.
XXXX XXXX allowed someone to open a account in my name. I was informed by the XXXX XXXX the account is overdrawn in the amount of XXXX I called them and advised that this account doesnt belong to me. I filled out the forms that was provided to me through email from the bank and I still havent heard from the bank .I disputed this account with the early warning service which handle account reported by banks. XXXX only respond they will not changed there information they wouldnt provide any information to show how this account is accurate and that Im responsible for the account. There no XXXX XXXX  in my area. From research this bank is located several states from me. I live in XXXX born and rasie. If Im not mistaken the close branch to my area is XXXX XXXX or XXXX. I like this negative account resolved and moved off my XXXX XXXX report this negative information would keep me from obtaining a checking/saving account in the future.
From XXXX our mortgage was transferred XXXX to Green Tree Servicing LLC.Since then we experienced change in our financial agreement. The name of the borrower and co-borrower were reversed and we received diferent tax interest form XXXX. 
We have XXXX phone calls and XXXX text message but they did not explained us is this change have been made on legal base.
I explained that revolving credit has a time frame. In return to my response, the reset date of all my debt was XX/XX/2013 versus a removal and an increase in my credit scores. XXXX XXXX XXXX : The final result was a verbal conversation with a customer rep from XXXX to inform them that all debt has to be erased on all revolving accounts due to being opened in XXXX. I have paid and it was not properly reported. The account is accruing interest, which is being reported, not the debt that was paid. Thus it requires removal from my credit report. Judgement : There is also a judgement listed as an installment account such as a car payment for an apartment with unfit living problems such as floor boards being uneven and imperfections in the carpeting. The XXXX XXXX XXXX had us sign a lease agreement for XXXX months to keep us locked in a higher rental rate to cover it 's XXXX quarter of the year. Thusly, I sent letters attesting the non legal nature of the lease under the Renter 's Rights. XXXX XXXX XXXX : The car with XXXX XXXX was bought under the XXXX law due to its previous accident being omitted from the XXXX reporting and battery not being replaced. I was not told it was a program or rental car by a previous company such as a rental agency. I discovered this due to the previous owners names recorded in the Blue Tooth Device. XXXX : The services were disconnected in XX/XX/2013 and I was still being billed. Advised the company to come and get the boxes, due to the status of my XXXX, I was not able to XXXX.
In XX/XX/2012 I took a loan out for {$2500.00} from XXXX. I later found out that they amount of the loan was in violation of Virginia Law and contested the debt. I made no payments past XX/XX/XXXX. 

I have received 3 calls from a woman stating her name is XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX though I have been unable to obtain any information about this company. She is attempting to collect on a debt but has failed to identify herself as a debt collector 3 times. In addition, I was not living in Virginia when the loan was taken out but she states the new owner of the debt ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX # XXXX CPRC # XXXX is attempting to sue in that state though when I check to see if a suit has been filed none has. 

There are 2 issues then ; 1. The statute of limitations has passed ( I believe ) and 2. violation of the FDCPA ( 15 USC 1692d ( 6 ) ) failure to fully disclose and ( 15 USC 1692e ( 11 ) ) failure to divulge they are calling as a debt collector. Furthermore, XXXX XXXX stated XXXX is the " legal side '' rather than that they are a debt collector which is false and misleading, a violation of 15 U.S. Code 1692e ( A ), ( B ), ( 3 ), ( 10 ), ( 11 ) and ( 14 ).
I 've called XXXX XXXX regarding 2 late payments, payments was sent but was not credited on time, they said they investigated an it was no problem on their side. I disagree and now credit report is showing late payment. I 've had account for 4 years with no late payments.
I HAVE BEEN DEALING WITH THIS SITUATION FOR THE LAST 5 YEARS. AS PER YOUR RECORDS, IT CLEARLY SHOWS THAT I'VE FILED SEVERAL COMPLAINTS IN THE PAST TO NO AVAIL. I ENTERED INTO A LOAN MODIFICATION IN XXXX WITH XXXX XXXX XXXX. I MADE SEVERAL PAYMENTS ON THE MODIFICATION, I WAS TOLD BY THE REPRESENTATIVE THAT MY REGULAR PAYMENT OF {$780.00} WILL BEGIN XX/XX/XXXX, DO NOT MAKE THE FIRST PAYMENT UNTIL I HAVE RECEIVED MY SIGNED EXECUTED MODIFICATION DOCUMENTS. SEVERAL MONTHS WENT BY, EACH TIME THAT I WOULD CONTACT XXXX I RECEIVED ONE EXCUSE AFTER THE OTHER AS TO WHY I HAVE NOT RECEIVED THE EXECUTED DOCUMENTS. NUMEROUS OF PHONE CALLS WERE MADE TO CHASE AND THEY LEAD ME TO BELIEVE THAT THEY WERE HAVING DIFFICULTY WITH THE DOCUMENTS BUT I WILL RECEIVE THEM SOON. XXXX OF XXXX, I WAS SERVED WITH FORECLOSURE PAPERS. I CALLED XXXX TO FIND OUT WHAT WAS GOING ON, AND A WEEK LATER, I RECEIVED THE EXECUTED MODIFICATION DOCUMENTS. BY THEN, XXXX REFUSED TO HONOR MY MODIFICATION BY TELLING ME THAT IT HAD ALREADY BEEN MODIFIED. NOT TRUE!! I SENT SEVERAL LETTERS TO XXXX XXXX XXXX EXECUTIVE OFFICES, HOWEVER, NO HELP. THEN IN LATE XXXX AFTER COMPLAINING TO CHASE MANY TIMES, MY LOAN WAS TRANSFERRED TO SELECT PORTFOLIO SERVICING. I'VE BEEN ON A ROLLER COASTER RIDE WITH THEM AS WELL. THEY CONTINUE TO TELL ME TO APPLY FOR A MODIFICATION, BUT THEN I AM DENIED BECAUSE OF THE ERRONEOUS INFORMATION THAT XXXX CONTINUES TO REPORT. 

I NEED A RESOLUTION, NOW!!! MY HOME IS SCHEDULED FOR SALE AS OF XX/XX/XXXX. I WAS RECENTLY DENIED FOR A MODIFICATION AGAIN WITH SELECT PORTFOLIO SERVICING. THEY DID NOT COMPUTE MY FULL-TIME AND PART-TIME INCOME. WHEN I COMPLETED THE RMA, MY PART-TIME INCOME WAS MISSING. WHEN I SPOKE WITH THE REPRESENTATIVE IN XXXX, SHE VERIFIED MY INFORMATION BY PHONE, SHE STATED THAT SHE WOULD ADD NOTATIONS TO REFLECT THE INFORMATION REGARDING MY PART-TIME JOB, FULL-TIME JOB AND MY HOA DUES. 

ALL OF THIS INFORMATION WAS EMAILED TO THEM. I HAVE SINCE APPEALED THEIR DECISION. THEY ARE TRYING TO TELL ME THAT MY INCOME ISN'T SUFFICIENT FOR THE PROPOSED PAYMENT. WHAT IS THE PROPOSED PAYMENT, THAT WASN'T CONVEYED TO ME. NOT TO MENTION THE FACT THAT SEVERAL ARE SEVERAL OPEN LAWSUITS AGAINST XXXX FOR THE VERY SAME THING OF NOT PERMANENTLY MODIFYING MORTGAGES WHEN THEY HAVE AGREED TO DO SO. 

I AM ABOUT TO LOSE MY HOME TO NO FAULT OF MINE. I REACHED OUT TO BOTH LENDERS TO RECEIVE THE HELP THAT I AM ELIGIBLE FOR BUT CAN NOT RECEIVE THE ASSISTANCE. I NEED SOME ONE TO INTERVENE IN THIS MATTER BECAUSE IT IS NOT FAIR THAT I AM LOSING MY HOME BECAUSE THESE LENDERS DON'T WANT TO HELP. IT SIMPLY ISN'T FAIR. I NEED HELP.
Bayview Loan Servicing made misleading and lies both verbally and writing about timeframes, loan modification processes, and steps to take to keep my property out of foreclosure. The representative, XXXX, made many false claims ( again both verbal and in writing ) that negatively impacted my loan modification process.
I contacted my lender about a Home Modification. They sent me a checklist of the information that they needed to process the modification. I provided all the information within 30 days. I missed nothing all forms were provided by me as requested. I am a retired XXXX with excellent organizational skills. So, when I say I provided all the information I am totally accurate! Well, to make a long story short, they kept informing me they did n't get some of the information they needed. So, I would resend what they needed. They they would say they did n't get something else. A year went by without them taking any action. They would always say we need more information, more income verification pay stubs etc. My loan with them is at 7.5 % I make a payment of XXXX per month, about XXXX goes toward principle XXXX is interest. Been paying this since 2008.
I have XXXX hard inquiries from Safe Rent ( XXXX XXXX XXXX ) within days, XXXX of which was unnecessary
I had a foreclosure on a home XX/XX/XXXX and I walked away from the home. The home was sold XX/XX/XXXX. I purchased a new home XX/XX/XXXX and I have a judgement on my new home that I just purchased. The judgement is from US Bank National Association as Trustee Pooling # XXXX Dist # XXXX. Iwould like to know how can they come back years later and do this.
ON XXXX XXXX bank of America 's collection and recover dept. illegally try to fund an account of mine that was over drawn .... they issued a claim on a transaction I did XXXX XXXX, the claim was initiated by the collection and recover dept.., because my main checking account was over drawn XXXX dollars for XXXX daysThey wanted to bring it balance above XXXX, so they founds XXXX payment I made to XXXX XXXX bank on XXXX XXXX 2015 and claimed that I did not authorize that charge to XXXX XXXX bank XXXX which was a lie and a false hood ) I did authorize that transaction and never gave the bank permission to initiate a claim on my behalf!! 
It was done fraudulently and without my permission!! The claims dept. initiated an arbitration letter to XXXX bank and XXXX bank sent the XXXX back to bank of America XXXX 
I caught the fraud when I received a call from XXXX XXXX bank, they stated I was XXXX over limit!!! 
I made several calls to bank of America and XXXX bank after several threats of litigation and they final sent back the money to XXXX bank XX/XX/XXXX XXXX I believe my right were violated and I want an investigation done, I also obtained a lawyer to file suit against the bank of America for damages .. I would like the parties involve prosecuted to the full extent of the law and the bank responsible for these crimesI XXXX XXXX
I received a promotional offer addressed to me personally from Chase Bank for their XXXX XXXX XXXX XXXX card that offered XXXX bonus miles into my XXXX frequent flyer account if I applied for a card and spent {$3000.00} in the first 3 months of use, and an additional XXXX miles if I added an authorized user. I applied for and received the card, but was told that the promotion would only give me XXXX miles. I complained to Chase Bank at the XXXX # on the back of the card and received a letter dated XXXX XXXX, 2017 from XXXX XXXX, Customer Service Specialist saying they could n't fix the problem and I can only receive XXXX miles. I called again and spoke to a supervisor and was told the same thing. This is simple bait and switch. They offered me XXXX miles, I accepted the offer and they will now only give me XXXX miles. I called twice to let them know of the error and they said they could do nothing about it.
Fay Servicing LLC purchased my loan XX/XX/XXXX. After the initial letter about where to send the payments, I have not gotten any invoices or correspondence at all. I call them to see if I can get a balance or to see if the payment arrived and they inform me they " Can't talk to me because I am bankrupt '' I inform them my case was closed over 5 years ago. I have told this to at least 8 " account managers '' They all promise to " Change the system ''. I call and call for 2 years to no avail. I send emails. They never respond. They say " we can only speak with your attorney '' I don't have an attorney as the case was closed over 5 years ago. I keep telling them the same thing over and over. They put me on hold for 30 minutes at a time while waiting to " talk to their manager ''. I call customer service who promptly gives me a lecture about bankruptcy. I tell them the case closed over 5 years ago. Then they put me on extended hold again.
2013 This account is not mine. My wallet was lost and someone used my identity. Can you please remove this from my credit report is is affecting me.
On XX/XX/2015 XXXX XXXX XXXX XXXX presented a check against my bank account with TD Bank for {$1400.00}. This brought my account balance to {$130.00}. That same day, XXXX debits totaling {$30.00} were also debited from my account, causing my overall balance to fall to {$99.00}. On XX/XX/2015 the check was returned and I was charged a {$35.00} overdraft fee. The only other debit to occur that day was for {$12.00}. After reviewing this on my XXXX statement and making numerous phone calls, TD Bank confirmed that the check was returned in error and refunded me the overdraft fee. 
The check to XXXX XXXX XXXX XXXX was for my XXXX rent and it being returned will result in me being charged a late payment fee and a returned check fee.
On XX/XX/2018, I went to XXXX XXXX of XXXX XXXX Virginia and purchased a XXXX XXXX XXXX  for the sum of $ XXXXUSD. I signed a sales contract along with a co-signer on that date and left the dealership. 

Today, XX/XX/2018, I am being told by representatives XXXX and XXXX at XXXX that the bank has not yet approved the loan. XXXX presented himself as the Sales Director and claims the bank, Santander USA, will not process the loan without an additional $ XXXXUSD ( a full month after the sale was made ). 

I am told I can not speak to anyone at Santander USA as they refuse to deal directly with customers. This bank is behaving in a suspicious manner. If financing was approved on XX/XX/2018, how are they now allowed to ask for an additional $ XXXXUSD 30-days later? According to the dealership, my first payment is due on XX/XX/2018, but I have not heard from or received any billing notices from this supposed bank. I do not even have a loan number to reference. 

Lastly, I'm not sure that this bank should be allowed to operate within the United States if they can make up terms to contracts after the initial terms were agreed upon and a contract was signed.
My AMEX Macys credit card ( XXXX, XXXX ) company refuses to correct my account from 60 days past due, per their error in processing my return, to that of a {$0.00} balance, no late payment. Despite my efforts for the past 3+ months to have them correct my account and forward the correction to the credit bureaus ( XXXX , XXXX , XXXX ), they refuse to do so and forward a statement of said correction to my attention. 

At present, XXXX documents payment status as " current, was past due 60 days. '' Moreover, they document 60 days late for XXXX 2016. 

XXXX, too, documents 60 days late for XXXX 2016. 

I have never been late in making payments. The accounting error stems from the fact that they did n't process a product return and allowed for finances charges to accrue thereby generating erroneous late payment notifications.
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX Re : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX XXXX   XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XX/XX/1959) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is nontransferable. 
If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Also, I have received a statement claiming that I owe a debt to XXXX-XXXX  XXXX XXXX   and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX-XXXX   XXXX  XXXX  that gave you the right to collect this debt Account No. :XXXX  Respectfully Submitted What would