WillisBack/dataset-financial-user-claim huggingface dataset:
Seneca Mortgage has messed up our home loan since XXXX XXXX the very first month and has taken almost two years to resolve a payment dispute of XXXX payments from XXXX and XXXX XXXX when the payment XXXX up from the first month took 9 months yo review and kept getting excuses snd put off even tho called for status constantly. Was told these were in a " suspense '' account. They still have not admitted this error and despite being sent numerous bank statements and electronic transaction information from XXXX Bank as well as us, they still claim we owe this and theres always another excuse or accusing us of not sending the correct info or that they need thisbor that permisdion. Anything to not fix this or take responsibility! Especially after receiving information from the bank. They also sent emails they claimed not to send and have tried to recall emails their staff realized was sent to us instead of internally talking about us and info that was being requested!! Totally unprofessional and complete liars! Now they are claiming payments were not made from XXXX to XXXX XXXX despite thevpayments being sent priority mail. They insinuated checks were returned that were cashed also! They have misasplied and have this account so messed up and then always get different answers, they lie, and are unprofessional. It should not be this hard or long to get this resolved and documentation regarding status of this account! This is unacceptable!!!!
I have never went to this company credco XX/XX/2017 or i never asked or gave no one permission to use my name so y should i be charged for something ive never done or asked for so it was someone else ... Stop charging me an take off my credit please ive never went to this company before
18 month no interest to purchase a bed statement said minimum of {$60.00} plus change Ipaid {$70.00} per month. I just paid the {$70.00} every month expecting to pay off the loan a little quicker. paid attention to XXXX bill and it had charged me interest tnen i saw my debt back over {$1000.00} I called they said my months were up and i still owed $ $ $ i hadnt paid so all of the interest was now charged
I opened a XXXX dollar secured credit card with XXXX XXXX in XX/XX/2016. In XX/XX/2016 my balance was XXXX I called XXXX XXXX and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.
this is the second time i have contacted you. FIa was asked by me when they closed my accounts due to BUSINESS decision to eat my balances. i claled today to check was told to call a XXXX XXXX number that just asked me for my money that is not what i asked. so no letter or call to date has resolved it. i feel i should NOt have to pay the remaining balance due to how they treated me and closed my accounts. i will not endure any other adverse impact either to my credit.
I had a credit card with Bank Of America, it was in delinquent which the company worked with me to pay the credit card and all fees in full. The agreement was to pay Bank of American in installments once paid the negative trade line will be removed from my credit report. I paid it off XX/XX/XXXX. Bank of America change Status to Closed Never remove the Negative trade line. Ive called Bank of America XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX every time I ask them to remove the negative trade line every department has stated its already been Removed and updated. That 's not true I just pulled my credit report on XX/XX/XXXX and its still effecting my credit. I just wish Bank of American hold up to what I was promised which was to delete the Trade Line.
I CONTACT AMERICOLLECT XXXX ON XXXX/XXXX/2017 AND SPOKED TO XXXX XXXX LETTING HER KNOW THIS IS A FRAUDULENT ACCOUNT SHE ADVISED ME THAT THIS ACCOUNT IS IN SOMEONE ELSES NAME. THE VIOLATION IS WHEN I TOLD HER THIS IS A FRAUDULENT ACCOUNT SHE STATED WE WILL NOT REMOVE FROM CREDIT BUREAUS KNOWING ITS FRAUD. THAT IS NOT RIGHT TO TELL ANY CONSUMER
I submitted a court document to the Bank, which indicated that i was not charged with any criminal actions due to i did nothing wrong. But Bank of America is holding me liable for {$3200.00}. Furthermore, XXXX XXXX case # XXXX was criminally charged with theft. She was found guilty and is serving 5 years in prison ( weekend ). So, why am i being held responsible also. This is like double jeopardy.
I do not know who XXXX XXXX XXXX is and I do not have an account with them. XXXX XXXX XXXX has been issued a cease and desist, request for certificate of assessment and request for a debt disclosure. Request was sent via certified mail - Receipt # XXXX XXXX XXXX XXXX XXXX
I opened up a Citibank checking and savings account under a promotional period. The promotion stated that I fund the accounts with {$15000.00} of " new to Citibank '' money and maintain the balance for 60 days. At the conclusion of the 60 days I would receive a deposit of {$400.00}. Opened a Citibank checking and savings acct on XX/XX/XXXX. 
Funded it with {$15000.00} on XX/XX/XXXX. Called mid XXXX to see where to promotional deposit was and was told that it was 60 days of having funds in the acct plus the additional 90 days of processing to see the promotional deposit. Called XX/XX/XXXX and was told that the XXXX XXXX holiday on Monday pushed the distribution by a few days and that I would see the money by XX/XX/XXXX. Called XX/XX/XXXX since I have yet to see the promotional money and now am being told that my acct does not show any sort of a promotion attached to it. Investigation was started on the XXXX and called XX/XX/XXXX to follow up and was hung up on.
I have written numerous letters since XX/XX/XXXX to the 3 credit reporting agencies ... XXXX, Equifax, & XXXX to this date XXXX-17 they have not provided me with the original signed documents that I have requested to provide me proof all alleged accounts being reported are really mine. I have requested proof in writing that over XXXX hard inquiries that allegedly belong to me, still dont have proof in written original documentation that I signed from any of the 3 CRAs to verify these hard inquiries. I have requested that any unverified/unknown and/outdated accounts be removed from my credit reports ... there are many inaccuracies and unverified accounts on my credit reports that continue to show up on my report ... its been way over 30 days time period to verify unknown accounts or accounts over 7 years old and mail me written original signed documents to proof all accounts to truly belong to me and are being reported correctly in amounts alleged due. All closed accounts have been requested to be removed nothing as of XXXX-17. I have informed CRAs that I havent been late with any of my payments ... if so prove to me in written documents the dates late to any accounts ... still nothing & still bringing down my credit score.
I find it very stressful that my life has to be on hold because of my low credit scores reporting from these three agencies. Due to this inaccurate, unverified reporting on my credit reports I have been denied rentals, credit, loans, & mortgages etc.
I have spoken with a lawyer in regards to this matter its bought much undue stress into my life. The law states if not provided with written original signed documents in 30 days they have to delete items from report, section 609 states this the CRAs are not following these guidelines.. I have never received verification with my original signature from any of accounts that are on my credit reports its been well over 60 days as of today date.
Today    XXXX   XXXX   XXXX     I received a call from  XXXX . They asked for  XXXX   XXXX  and I said ( without thinking, he is my father ). The person then said this phone call is recorded and then hung up. I  may have a sked what this was about. I do n't exactly recall. I called the number back and found it is from  Diversified Consultants in    XXXX  WA. Given that my father is  XXXX  I wanted to know if this outfit is scamming him or hounding him. Given what I know of these types of companies I want to ensure that they don not take advantage of him or bother him. Also I did not try to talk to them because there have been outfits like this that will not divulge anything to me.
I had a problem intentionally getting the vehicle from the dealership as the term started and it put me behind two months. I have filed a complaint that was ignored. So I took Ownership and continued the payment. Every time I make a payment I would get calls all day everyday even at work and school. It became overwhelming. I told them to stop calling me and the calls stopped for a little under a month. Just recently the harassment calls started again. Now I want to pursue legal charges.
I have been a victim of Transunion inquiry issue. I reached out to the company and they refused to assist me with my concerns.
The debt below is not mines.I was never contacted by this company and given a chance to dispute account. By law I have 30 days after receipt of a debt to dispute. This information is wrong and not mines. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$31000.00} {$31000.00} XXXX XXXX XXXX XXXX XXXX, MS XXXX
This letter is in response a letter from XXXX XXXX XXXX XXXX XXXX claiming I owe them {$4200.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXX, XXXX this amount.
A collections agency XXXX XXXX offered an resolution of debt authorized by client with a lump sum settlement of XXXX %. I paid this to protect my credit. Some time later another company Franklin Collections Services wants the remainder of the balance. I sent Franklin a copy of the settlement statement from EOS and proof of payment with no resolve.
My mortgage was sold to SLS Mortgage in XXXX 2015. For the duration of my mortgage between all the lenders I 've had, my homeowners insurance has been paid from my escrow account. For some reason, this has stopped, and I find out with a letter from my insurance company. I should also mention that my monthly payment has n't changed, so now I 'm suddenly paying the additional cost of my insurance. I called the lender and I called the insurance co. Both bounced me back & forth on this. In the meantime, I 've had to pay a few installments of the insurance to keep it active. But this week, I get a letter from a collection agency from the mortgage company which infuriated me further. All while I am still waiting for SLS to do research on this matter and get back to me on why this happened and what we can do. I take my credit extremely seriously, and I want my mortgage company changed. I did n't pick them, I do n't want them servicing me. I want to make sure my credit is n't impacted. At present both XXXX & XXXX report my credit at over XXXX. I have not missed nor been late with any mortgage payment, and I 'm not happy with the service of this company I 've never heard of.
This company does not allow me to make payments, when I call I get hung up on and told my account is locked, or when I submit payments the company does not allow payment, unless the next month is paid in full too, even though for example I am trying to pay, today X/X/17, and they wo n'taccept payment unless I include XX/XX/XXXX payment which is not even due until XX/XX/XXXX. I have no  problem paying what I am behind on, but they are asking me to pay ahead too, which is impossible for us to do at this time. They are intentionally making it difficult to make payments as if they want us to be behind, and keep us in a default status never climbing back out. Today I requested to make a XXXX $ certified funds payment to them to get us paid for XX/XX/XXXX and partial XX/XX/XXXX and I would pay the remaining balance and be caught up for XX/XX/XXXX, and XXXX XXXX, the only person this company has allowed me to speak to on this account who is consistently rude, condenscending, and hangs up the phone on me, said NO payment will be accepted unless I include all of XX/XX/XXXX as well even though according to my paperwork it 's not due until X/XX/2017. All questions I ask as to why they wo n't accept payment they say is because I am a less then one year old loan. I have asked to speak to ANYONE else and they still have XXXX XXXX as the collection person. The level of unprofessionalism, rudeness, and difficulty they make it just to get caught back up is unreasonable and causing us to have to pay extra fees we are trying to avoid. XXXX, XXXX, absolute terrible company targeting middle class families who just want to make their payments and who ca n't afford any other options.
I opened an account with M & T Bank on XX/XX/XXXX after speaking with a Teller at their XXXX XXXX  branch who informed me that they were running a {$200.00} promotion to open a new account using the code XXXX. Since I was a XXXX resident she stated that I would qualify for the code and that I should come back to open an account or open one online. Both my boyfriend and I opened our own individual accounts using the XXXX code since we just moved to XXXX and needed a local bank. We qualified for all of the terms to receive the {$200.00} but it never posted within the 90 days like it was supposed to. 

When I reached out to M & T regarding this on XX/XX/XXXX, they replied on XX/XX/XXXX stating that my name was n't included on the offer, but that they continually offer new account sign ups in branch, via radio, mailing, or internet for all customers, new and existing. 

However, I feel that is not a fair business practice and false advertising to potential customers as it was advertised to me in branch by their employee and both my boyfriends and my accounts qualified for the promotion.
My paypal account was permanently limited by Paypal on XXXX. I have contacted Paypal several times, but customer service department could n't explain to me why it was limited since it was done by another department. I have over {$3000.00} in the account and could n't be transferred to my bank account due to limitation. Paypal said that it will be held for 180 days. I dont think that it is legal to hold the money for that long time without proper explanation.
XXXX-XXXX-XXXXConsumer Financial Protection Bureau AndSenator XXXX XXXXLast year XX/XX/XXXX I filed complaints against Bank of America. Case numbers XXXX and this year case number XXXX. I was happy to report back that Bank of America was working with me concerning Loan Number XXXX. All I wanted was to be allowed in a Short Sale and for the bank to be fair with me. 
After XXXX year, having detailed phone calls, emails and XXXX Contracts on the House, I find out its all been a lie I was told verbally that I was approved for short Sale. I received a letter from XX/XX/XXXX stating I was. But for the last XXXX months I have been trying to remove an IRS Lien off the Property I find out today that I have not been approved ( only an Candidate ) I said all along I did not trust Bank of America. They miss led me for over a year accepting Contracts, working with my Realtor,, etc. while I am thinking I am in a short Sale. Running up the totals and closer to foreclosure. The problem did not surface until I was trying to remove an IRS Lien in order for these buyers could close. I asked repeat ally for the Documents the IRS was requesting. I feel I was lied to and the Home is now in Foreclosure. I have exhausted very attempt to make this work. I feel beat up and abused and giving upI am disgusted with Bank of America and I do n't believe anything they say.. To be honest writing this letter will not help either. So I guess Bank of America the BIG GIANT wins. 
This is beyond being unfair, A lot of people has worked hard this past year, all for what? 
XXXX XXXXLoan Number XXXXXXXXXXXX
My mortgage servicer, XXXX XXXX XXXX, XXXX, has been intentionally and constructively harming me by reporting maintaining that my loan is in a default status and has been late for seven months ( in addition to the late payments reported when XXXX came on as my servicer in XXXX XXXX and immediately put me into default, whilst in a long term forbearance agreement due to a Hurricane litigation case with my my homeowner 's ). All attached documentation represents a clear and necessary forbearance agreement. I entered into a forbearance agreement with my servicer, as I was legally defending them in Hurricane XXXX litigation with my homeowner 's insurer, XXXX, because XXXX was heavily blaming the servicer for the damages on my property. In exchange for forbearance, the servicer at the time, XXXX, promised forbearance and credit suppression UNTIL THE LITIGATION WAS COMPLETED. We settled with XXXX in XXXX XXXX. XXXX inherited this agreement and never honored it, contrastly, they intentionally created and maintained a default status for my loan by shifting amounts into the time period that our forbearance agreement ended XXXX XXXX XXXX XXXX for their own nefarious purposes. This is NOT accurate reporting. XXXX however, accurately came to the determination that my account is 0 days past due and is paid as agreed. 
In addition to the inaccuracies that exist on my payment history, XXXX is also misrepresenting the payment amount that is due, as well as the statement that we had entered into an agreement to pay less. Please produce this document. I have requested a copy of such an agreement and have yet to received anything of the sort. In fact, XXXX has refused for over a year now to even explain the charges, internal codes or abbreviations listed on the accounting on my loan that XXXX repeatedly sends to me XXXX after promising to due so ), so it is impossible for me to make a knowledgeable and comprehensive determination as to what values are good and which are valid ; Therefore, any amount listed and reported on any credit bureau as the true and correct balance is a completely untruthful number because my account is laden with fraudulent charges. These adjustments that are being completely refused and ignored by XXXX and their representatives.
XXXX I filed a dispute with XXXX concerning a collection account on my credit by Midland Credit MGMT Inc. that states i owe {$1200.00}. On XXXX XXXX I was denied credit because the dispute was still being reported over 3 months later. I spoke with a supervisor at XXXX on XXXX XXXX They resubmitted my dispute and had no reason they could tell me why this dispute was still being reported. So, they filed a new one. The XXXX dispute confirmation number is XXXX. This is their reply to me. 
The results are : This creditor has verified to OUR company that the balance is being reported correctly. Historical account information was deleted from this account. Charge off amount {$0.00} How can XXXX say it is proven to them i owe this amount almost 6 months after first filing a dispute? If there is no historical info how was it proven to them? Why was I denied credit because of a dispute left on XXXX almost 4 months after filing it. This was a XXXX credit card originally with a credit limit of {$500.00}. I was working with XXXX, making payments. This collection agency has made up an amount, left it on my credit report and XXXX wont listen to a thing I say. Their own letter telling me it 's resolved makes no sense. These people are horrible to deal with. hard to understand with thick accents. Please help me. I have gotten no where with XXXX. They wont listen to reason
We sent the application documents to XXXX XXXX at Koundar Capitol and their counsel starting in XX/XX/XXXX. Each time, they denied the application in less than a week. They cited that they could not create an affordable payment each time and did not explain how this came to be. We sent another application and Notice of Error to Koundar in XX/XX/XXXX with updated income and expense information, explaining that there was a change in income and expenses, making their ability to pay an affordable loan payment more possible. Just as before, in less than a week, we received correspondence that they could not come to a term with an affordable payment. We have called the assigned SPOC, XXXX XXXX, XXXX times in three months, sent her over XXXX emails, and copied these emails to XXXX other individuals at Koundar Capitol. There has been no response aside from the canned letters with no detailed explanation. The last application we sent was XX/XX/XXXX and we received notice of denial dated XX/XX/XXXX, which is only two business days later. IT IS IMPOSSIBLE TO DO A FULL REVIEW AND DETERMINE ELIGIBILITY IN TWO DAYS. All contact attempts and requests for explanation have gone unacknowledged and unaddressed.
I made the mistake of signing up for a XXXX Store card when they were running a promotion, thinking I would get some added savings and benefits. Such a huge mistake. Wish I could go back in time and undo. This company is predatory and abusive, taking any and every opportunity to damage your credit. The first month I had the card I had a hard time figuring out how to make a payment ... Setting up and accessing my new account online was a headache and my first payment was late as a result. Not even 30 days. Guess what. They dinged my credit score. A score I had been working very hard to improve. I then realized that there was NO WAY to set up autopay on the account, which made it difficult to pay bills. I'd need to log in online and manually pay every month ... a hassle I haven't had to deal with for nearly a decade. Dark ages in terms of financial services. So when I was traveling last summer ... guess what? Forgot to pay my bill online and they hit my credit AGAIN. They also hounded me mercilessly by phone after I emailed about the problems, to the point of harassment. I finally asked for my outstanding balance and instructions to close the account because I was so sick of dealing with them and guess what they did. Closed the account without further communication and reported the outstanding balance to credit agencies, further damaging my credit. I wanted to pay it off and then close the account, not close it with an outstanding balance. They are responsible for lowering my credit score over 100 points for less than {$800.00} in credit. I am also now convinced that XXXX refuses to offer autopay to induce late fees, which according to other reviews Ive read are consistently added in bad faith. CORRUPT AND ABUSIVE.
Inquiries XXXX  company report 1 ] XXXX XXXX  XX/XX/XXXX 2 ] XXXX XXXX  XX/XX/XXXX 3 ] XXXXXX/XX/XXXX 4 ] XXXX XXXX XX/XX/XXXX5 ] XXXX XXXXXX/XX/XXXX 6 ] XXXX XXXX XX/XX/XXXX 7 ] XXXX XXXX XX/XX/XXXX 8 ] XXXX XXXX XXXXXX/XX/XXXX9 ] XXXX XXXX  XX/XX/XXXX 9 ] XXXX   XX/XX/XXXX 10 ] XXXX XXXX XXXX XX/XX/XXXX 11 ] XXXX XXXX XX/XX/XXXX 12 ] XXXX XXXX XX/XX/XXXX 13 ] XXXX XXXX  XX/XX/XXXXAlready I spook to customer service and send them letter to request remove this inquiries from my credit because never apply any about those companies and I am victim the inquiries issue
I purchased a XXXX mixer from XXXX on XX/XX/18 on a 5 installment plan. {$90.00} was to be charged when the item was shipped however they charged {$90.00} once on XX/XX/XXXX and seven times on XX/XX/18 for a total of {$720.00}. I purchased the item on my debit card so this amount was taken from my account and made inaccessible. The item has not yet shipped so nothing should have been charged at this point.
40 days ago, I requested that the credit bureaus investigate errors on my credit report. As of today, I have not yet received any response. They should have responded by now.