WillisBack/dataset-financial-user-claim huggingface dataset:
I am enrolled in a debt program since XX/XX/XXXX with the office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, New York Phone # XXXX. They have handled and settled all of my credit card debts with only the smallest one remaining. They reached a settlement with XXXX XXXX XXXX who was collecting the debt. The proposal was in the amount of {$1200.00} in XX/XX/XXXX. The original balance owed which included interest and late fees was {$3000.00}. There were to be three installment payments starting in XX/XX/XXXX through XX/XX/XXXX being the final payment. Apparently, I believe XXXX 's office did make any payments to XXXX XXXX XXXX which in turn they sold the debt to XXXX XXXX XXXX XXXX. I received a letter dated XX/XX/XXXX indicating I owe Stephen Einstein & Associates {$3000.00}. I immediately sent them a letter on XX/XX/XXXX explaining all correspondence needed to be sent to XXXX XXXX XXXX 's office since I was enrolled in a National Debt Relief program. I also notified XXXX 's office as well. Whenever I would follow up with XXXX  office to see if they reached a settlement I was told they could need get in touch with Stephen Einstein 's office. They said they sent a Power of Attorney and were waiting for a response. Finally, I tried to call Stephen Einstein 's office and after several unsuccessful attempts I reached a receptionist who connected me to a XXXX XXXX XXXX at ext. XXXX who said he was the person handling my account. I told him I wanted to settle this matter as soon as possible. And I sent a letter by certified mail explaining I wanted to settle.He told me to let XXXX 's office know he was handling it and he would also contact them. I spoke with him on XX/XX/XXXX. A week later I received a complaint on XX/XX/XXXX that I was being sued by Stephen Einstein & Associates in amount of {$3100.00} which now include a filing fee charge {$75.00} plus {$7.00} service fee. Now I have to respond to this complaint before XX/XX/XXXX. XXXX XXXX XXXX 's office did not protect my interests and are not doing anything to resolve this matter quickly. They are charging me an additional {$200.00} to answer the complaint. Again I have made several attempts to have this matter settled and Stephen EinsteiXXXX 's office is not complying with my requests. Thank you.
I applied and received a Nordstrom signature credit card with an initial limit of XXXX which was later increased to XXXX my first payment was made XXXX in cash and second payment made online was XXXX from my checking account. the card company put a hold on my card after making a full balance payment in XXXX for XXXX and a purchase for XXXX to XXXX. I called the company after I was declined a purchase at XXXX and I was told that they needed to verify information to remove the hold. I had verified the information and the agent informed me that the problem had been remedied. I continued to ask questions as to why this happened, I was told that it was because of the merchant ... also the location of the merchant that triggered this. I proceeded to ask for more information on what triggers these issues .... after that I was transferred to a supervisor for more information ... .. After asking him several questions was told the same thing ... .. at which time he became frustrated with my continued questions then said that I was being put on hold because of an address issue ... .. during the next few calls to the call center I was even told that the I needed 20 days for my payments to clear??? cash payments??? and also I needed to give them address information .... after further calls to the center I was told yet another reason ... now the company is requesting tax information ... when asking was this a common request or what is the policy regarding asking for this information I was told that I would not be given the companies policy ... .. I believe their is an underlying reason and that these different requests are not inline with general policy or how other customers have been treated. I have been given 3 different reasons and after the 1st call the account was supposed to be cleared instead I have believe that the company is finding reasons any reason to block or hold my card. my account is being treated in accordance to how other accounts are handled with this company ...
XX/XX/2017 Name : XXXX XXXX XXXX email : XXXXXXXXXXXX International Number : XXXX and XXXX I have or had ( 2 ) credit cards with Chase Bank following : Slate ++++ ++++ ++++ XXXX Freedom ++++ ++++ ++++ XXXX One of the cards had a ( XXXX ) balance and the other around {$650.00} balance and I was making monthly payments on time. 
I am overseas and had a friend make payments for me. Last payment was XX/XX/2017. 
Chase sent me NO warning or email reminder, nothing. I found out yesterday, XX/XX/2017 when I was going to use one of the cards.

Last year, a similar situation with Chase ( same cards ). I wrote to them and they wrote letter ( which I have ) reinstating my accounts. Chase were liable for making mistakes, so they reversed their decision.

PLEASE HELP WITH THIS RECENT SITUATION. I am tired of dealing with this company. 
P.S. I HAVE LETTER FROM LAST ( SCREW UP ) BY CHASE BUT WOULD HAVE TO SCAN AND SEND IT TOMORROW. 
Sincerely. 
XXXX XXXX XXXX
I have disputed multiple times with Transunion, XXXX and XXXX regarding the inaccurate reporting of XXXX XXXX. Multiple account are being reported that are not mine. 

XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX
Homeowners was granted a HAMP modification by GreenTree, but his XXXX statement reflects an amount that is $ XXXX/month more than the Total Monthly Payment amount listed on the HAMP modification. We called GreenTree to inquire into the discrepancy, but they told us the loan had been transferred to XXXX, and we must therefore ask them. When we contacted XXXX, they told us to ask GreenTree, as they would n't be able to answer that for us. I contacted GreenTree again, and was once again told that I needed to talk to XXXX.
Bank of America was presented estate papers etc   XXXX   XXXX   for deceased. Additional documents were presented for deceased   XXXX   XXXX  .   XXXX   XXXX   Bank of America 's legal division says they will not release funds
On XXXX XXXX 2016 two payment were made from my account # XXXX for {$60.00} # XXXX for {$100.00} I had a deposits that day that covered all the payment I made. I did some shopping. Leaving my balance at {$29.00}. On XXXX XXXX a payment went out for {$54.00} leaving me with a negative balance. Not a big deal seeing home I had XXXX direct deposit getting ready to go through. At XXXX I checked my balance it was over {$900.00} showing both my deposits and no over draft fees. The chase employees have always told me that as long as the deposit is in the account prior to XXXX there would be no over draft fees. At XXXX the account showed everything going through fine. The next day they hit me with XXXX overdraft fees totally {$100.00} dollars. XXXX of the items causing the overdrafts were items that has went through days prior at which time they went through the amount was deducted from my account at that time. And the balance in my account reflected those deductions days prior. After going through all my transactions I learned that the actual over drafted amount of {$54.00} dollars that I was worried about causing a fee went through fine no overdraft fee. Instead they shuffled my purchased using my previous balance before the deposit on XXXX XXXX. They used the biggest transaction I made on XX/XX/XXXX to put my account in the negative the then shuffled my transaction that had clear days prior to negative transactions and charged overdraft fees. Chase bank manipulated my transactions to benefit then and to drain my account.
I submitted complaint number XXXX on XX/XX/XXXX. Today is XX/XX/XXXX. diTech Financial stated established a XXXX day period of time in order to allow for their response. As of today, there has been no response. To me, given their breach of loan covenants, the likelihood of XXXX XXXX XXXX being de-listed from the XXXX XXXX XXXX XXXX, and the variety of legal processes against diTech and XXXX, XXXX may no longer be considered a going concern. diTech appears to be incapable at this time to perform the tasks incidental to their business offering.
I Provided XXXX insurance cards at time of service, returned to XXXX provided second copy of insurance, called XXXX three ( 3 ) times leaving voice mail requesting a call back. Emailed XXXX ( A Division of MST Financial Solutions, LLC ) once ( 1 ) via their website and called leaving voice mail twice ( 2 ). Did not receive a response from any attempts to contacts XXXX or XXXX After repeated disputes with XXXX on this issue, I finely received a call from XXXX. I informed XXXX of all stated above and that XXXX failure to bill in a timely manner if at all does not make this my responsibility and demanded that this be removed from my credit report. XXXX informed me it 's my burden to provide proof of coverage, which I sent yet again. I expected this to be removed from all XXXX credit agencies and they have taken little to no action to remove their fraudulent collections attempt besides sending me a letter stating they would.
On  X/XX/16   , I made a purchase and used sister as my reference. Later, I learned she was a co-signer on acct. My sister was not present during transaction. On  XX/XX/XXXX , I went to the store and had the application redone to remove sister off account so that items would not go on her credit. I paid {$140.00} towards a different finance company as a down payment to start a new contract. A few weeks later I noticed the item on my credit report and my sister informed me that it was on her credit report also. I called Synchrony Bank and spoke to  XXXX  twice. I faxed documents showing original paperwork on  XX/XX/XXXX  and then new paperwork on  XX/XX/XXXX  showing credit back to Synchrony Bank. Synchrony Bank removed item few weeks later and now it is back on my credit report and it was never removed from my sisters credit report. I have sent paperwork showing the new finance company as well. Synchrony Bank still will not remove items from their account and my sister and my credit report. The new finance company is a rent to own company. Synchrony Bank has been reporting to my credit reports and my sister 's credit report negative information which they should not be doing since the account is no longer with them. In the attached documents, you can clearly see dates, the credit amount that Synchrony Bank is suppose to credit on the account and the new finance company with its amount and dates of transaction. Synchrony Bank is illegally trying to get me to pay for items that are not on their account and in the meantime are reporting negative information to all   XXXX   credit bureaus which has caused great harm to m y credit score and my sister 's credit score. There is suff icient and clearly recognizable documentation showing purchase, credit to be returned back on Synchrony Bank account, and new finance company with same items and amount to be started with new company. As i stated above, the new finance company is a rent to own company.
My home was purchased XXXX XXXX XXXX for {$140000.00} the mortgage was sold several times with BofA being the final owner of the loan. There was a XXXX mortgage taken out with Countrywide of {$39000.00} when BofA purchased the loan from Countrywide the mortgage went from {$140000.00} to {$200000.00} my thought was the XXXX was included in the transfer to BofA. I have since been served with intent to foreclosure from a company called XXXX XXXX XXXX who claims to have the deed for the XXXX from Countrywide in the amount of {$21000.00}. I have contacted BofA several times on this issue before I received the foreclosure documents from XXXX XXXX. No one can give me any answers on how my mortgage went from {$140000.00} to {$200000.00}! The auction sale of my home is to be XXXX/XXXX/XXXX I have had to hire an attorney to try to stop this foreclosure and to date I have not heard from BofA. I have not missed payments with BofA mortgage my account is current.
From XX/XX/2018 to present i have ben contacting the 3 cr to fix my credit.after many none validation letters from them all, i have this proof that i will provide that the information that is being reported is not accurate. many times it has been modified ( so that should not happen anymore only delete of this item will be just.
I called FAMS about my payments after speaking with Department of Eduaction and them telling me that FAMS is a fraudulent company. I asked Dept of Ed. to stay on the line while I called FAMS. When we called the representative from FAMS was very hostile when I explained I wanted to get answers regarding my account and was belligerent with Dept of Ed. rep. Dept of Ed told me to contact XXXX and told me this company probably was not reputable and to do further investigation. I called with XXXX who said they hadnt heard of company so again I asked if they would call on the line with me and received the same hostile response from representative when XXXX asked them about my account. After further investigation I found my account was with the defaulted private section of XXXX. FAMS was of no help with this they simply screamed I needed to settle the account when I tried to resolve if they were a reputable company Ive been paying. Both representatives from XXXX and Dept of Educatin were just as appalled as I was after the conversations were derailed into FAMS being unprofessional with answering simple questions about my account.
For almost two years I have made payments on time to Santander Consumer USA for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to Santander in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified Santander that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. Santander received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.
I would like this charge removed from my credit reports because it has been changed over from XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, Experian, XXXX and XXXX. 
I would like to have XXXX removed from all reporting agencies : Experian, XXXX, XXXX and XXXX. 
I would like to have Home At Five removed from all reporting agencies ; Experian, XXXX, XXXX and XXXX.
Experian has been and is reporting inaccurate information about the following accounts on my credit report without verifiable proof. I sent certified mails to Experian asking about the verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from Experian of the inaccurate information and I didnt receive it from Experian. Since Experian doesnt have a verifiable proof of the inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Experian on X/X/2017 : XXXX. Second Certified mail tracking number sent to Experian on X/XX/2017 : XXXX. Third certified mail tracking number sent to Experian on X/XX/2017 : XXXX. The following accounts which should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX  XXXX Account Number : # XXXX Creditor Name : XXXX Account Number : # XXXX Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX
I submitted a mailed check to Bank of America for my credit card payment on XX/XX/2016, but I do not see that it was applied to my account. Now my credit report shows I 'm delinquent on my payment. I do n't always mail my payments to Bank of America, but when I do n't have access to online payments then it should still be a reliable source. I travel XXXX for work, and I do n't always have access to my online account to monitor that my payments were processed. In this case, I 've been in XXXX XXXX, with spotty internet access. I 'm just now seeing that my payment was never applied and my credit report shows I am delinquent.
JP Morgan  Chase Bank  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OK  XXXX  on  XXXX   XXXX ,  XXXX  ; at approximately  XXXX  a.m. ) refused to accept a cash deposit ( under {$220.00} ). I was informed that it was policy that cash deposits can only be made to an account by the account holder or an individual listed on the account. They offered to take my cash and issue a money order, then deposit that ( that is what I had done when I encountered this issue with them in  XXXX   XXXX  ). But I do not have an account with them, so they said that was against their policy to issue a money order to me. I was advised to write a check or take a  cash advance  from my debit card or go to  XXXX  and get a money order and come back. I was never asked if I had a government issued ID.   I suspect this is a policy and against federal law and a way to avoid the IRS rules as noted on the Federal Reserve  Board  website. I also suspect this is a method of floating deposits by placing a hold on deposits.
I want to get my status to open and start making affordable payment I cant keep having the irs take my income tax which is completely for my kids college fund I really need help.
XXXX XXXX  continues to increase my mortgage payment every year. I had a loan modification a few years ago as I could not afford the payments at that time, which were around {$1100.00}. XXXX XXXX increased my mortgage payment this XX/XX/XXXX from {$1100.00} to {$1100.00}. My payment was raised again XX/XX/XXXX to {$1500.00}!!!! I originally had a loan modification because I could not afford a {$1100.00} payment. Now my payment is {$1500.00}. I feel they are setting me up for failure. Is this legal what they are doing? I had a temporary loan modification back in XX/XX/XXXX. I need a set payment which I can afford, and my interest rate lowered. I went from paying 3.5 % to 6.5 % interest rate on my mortgage. I am struggling with this, and the bank knows this and does not care.
I locked a 30 year mortgage at 3.375 % on XX/XX/2016 with a 45 day lock and paid for the appraisal and credit report on XX/XX/XXXX for {$580.00}. The appraisal came in low, $ XXXX lower than one that was done 6 weeks prior so I was hesitant to move forward as it would have involved PMI at the current amount I applied for. This took place on XX/XX/XXXX ... ..The staff at Hart West advised that I could submit comps to challenge the valuation and I did that the same day and next and sent the appraisal that had been done 6 weeks prior with the valuation of {$500000.00}. I assumed this was all that was needed as I did not hear back from the lender and had submitted the other additional information they needed clarification on. I finally heard back from Hart West on XX/XX/XXXX and confirmed that I would move forward with the lower valuation and bring more money to closing. I was the told my lock would expire on XX/XX/XXXX and the company said it would cost an additional {$990.00} to extend the lock. I asked them to honor the original terms as they had plenty of time to clarify things and close my loan within the 45 day lock and they have refused to do so.
to whom it may concern, i presently have both a checking and a savings account with td bank in XXXX, ny. on XX/XX/2017 to branch on at XXXX, ny XXXX i went to make a deposit which i told that my checking account had a negative balance of {$9.00} which was immediately deducted from the deposit of {$30.00} which left {$20.00} in my checking. before i make a purchase i always check my balance to avoid an overdraft fee. when i checked my the day before at another branch i had exactly {$9.00} in my in account. question? how did my account go from {$9.00} to a negative balance within 24 hrs? this is the 3rd time i have gone into this particular branch only to have to fight to have monies restores to my account most. 
time the situations have been resolved. this time not and to add insult to injury the young woman who handled my transaction was smug and sarcastic when i told her that things were not right. she needs to be investigated as should that particular branch people are having monies taken from them and its wrong.
Years ago I was never informed of the debt and I have no contract with budget control for {$160.00} and want it removed immediately from my credit report Thx for getting this bad damage to me fixed in advance XXXX XXXX
On XXXX XXXX, I received an email from Bank of America because there was suspicious activity on my Credit Card. Someone had made a purchase for {$400.00} at a XXXX XXXX XXXX, MA. A second large purchase was attempted but declined. I informed a representative from Bank of America that the charges were indeed fraudulent. The charges were reversed from my account, the card was cancelled and my wife and I received new cards in the mail. 
Over two months later my wife and I shopped at XXXX and spent {$140.00XXXX. After checking out we realized that XXXX of the items we purchased was something that we did not need so we returned it and got a credit for {$29.00}. 
On XXXX/XXXX/15 a charge appeared on my statement for {$29.00} with the description " Fraud Dispute. '' I called Bank of America Credit Card Services and they informed me that it was decided that the charge was not fraudulent. I protested and upon further investigation and explanation, the representative told me that the charges were done by the computer system because it assumed that the merchant was issuing the credit ( for the fraud ) and they were taking back their credit. 
I stated that these stores were not even in the same area and that the amounts were not even close. The representative informed me that that was simply how the system worked. I caught this because I am someone who monitors my finances very closely and I fear that a lot of other people would not have caught it. I also question that if I return and other purchases from any XXXX that the credit I will get will be reversed by the Bank 's system. In the end the bank did agree to reverse the charge. I still however consider this a fraudulent business practice by Bank of America Credit Card Services.
LJ ROSS Assoc, have received the official police reporting showing my identity was used without my permission to open a fraudulent utility account. They sent a letter stating they would cease communication without stating they would cease all attempts to collect the debt owed and removing the account from their record. The police department instructed for me to exercise my rights using CFPB and other agencies to get the matter resolved.