WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm making payments to bring my account current, I reviewed the my account on line to verify that there 's a XXXX balance on my account. I asked what this balance represented and it was explained that this was due to sending someone to verify that I live at my property? In awe I said excuse me! The person indicated that we tried to contact you unsuccessfully and we sent someone to make sure you lived at the address. I said and how did you do that when since I 've purchase this home no one has ever come here to verify that I live here so how did you do it? she placed me on hold and came back a few moments later and said it 's a maintenance fee? I said maintenance of what she said whenever your mortgage payment is late we send someone to ensure you live there, again how did you verify this? This is a not so clever way to charge me a late fee even after incurring a late fee for paying my payment late yet your calling it something else! I want this charge removed from my account and it should be reviewed as fraudulent practices because it was never verified that I did live here other than the fact that I submit my mortgage payments, and I speak or have spoken with someone in this company at least once a month.
I allowed a store card from Amazon.com to become delinquent. The original card was issued through GE Capital. Amazon now uses Synchrony Bank. The last transaction on the account was in XXXX of XXXX. A resolution was reached through a debt collector ( XXXX XXXX XXXX of XXXX AZ ) on XXXX XXXX, XXXX and the account was settled. A confirmation number was issued ( XXXX ) and the agreed amount was taken from my checking account. This week, mid XXXX XXXX, a letter came from a different debt collector ( XXXX XXXX XXXX, XXXX of XXXX IL ) demanding payment for this account which was already settled and satisfied. Amazon.com and Synchrony have both told me to resolve the account with the original debt collector. However, the original agency ( XXXX XXXX XXXX ) is no longer in business. I have no faith in Amazon.com. I fear that they will continue to try and collect a debt which has already been satisfied.
Dear Sir or Madam, Back in XXXX, when my wife and I were trying to receive XXXX gift from our families abroad to put a down payment for our first home purchase, our family in XXXX used a money exchange company to send the money to our Bank of America account. 

It looks, due to the XXXX sanctions, the money transfer company did not use the global wire or swift system, and instead did it through bartering. 

After noticing some cash deposits in our account, Bank of America called us and asked if we know the people who made those deposits. We told the story and gave them full authority to investigate the case and if needed return the money to the people. 

On XXXX XXXX, we both received letters from Bank of America saying they have decided to close our accounts. 

We asked for the reason, but was told the bank has the rights to end her business with us anytime they want and is not obliged to give us the reason. 

We accept that, but asked BoA to give us any kind of documents or evidence of blocking that XXXX so our parents back in XXXX can take the money exchange company to curt and ask for the refund. 

Since then, we have not received any update or answer from Bank of America. 
They simply ignore us, and despite calling more than XXXX times to people who we are told are working on our case, we have not heard a word. 

BoA even kept the sum of $ XXXX in my wife 's saving account which has had nothing to do with that disputed deposits. 

It is so frustrating to see that how Bank of America instead of treating us as victims, incriminating us, most likely profiling us because our relations to XXXX, and treating us with ultimate ignorance. 

And all of this has happened after we both were loyal costumers of BoA for more that 5 years, and have got excellent records with them.
My wife purchased a condo prior to us meeting and having children, which she used as her primary residence for five years. The mortgage has XXXX separate loans which are serviced ; XXXX an interest bearing note through the bank, the other a XXXX County Housing Authority financed down-payment assistance loan to County-level employees ( my wife was a teacher at XXXX XXXX ). US Bank services both loans. The Occupancy clause of the mortgage note only required 1 year of occupancy as primary residence, which has been satisfied. The down payment loan agreement with the County, separate from the mortgage note, requires the property remain a primary residence. After getting pregnant with our second child, we had outgrown the property and had difficulty with the condo as it is on a second floor. We could not sell the condo as it was seriously underwater, so we continue to make timely payments and rent and maintain the property. The bank has been sending letters threatening foreclosure if we do not reoccupy the property, refinance, or pay-off both of the notes. There is connection in the mortgage note with the Housing Authority loan, and furthermore we have been in continuous and constructive contact with XXXX County officials. They have been aware of our situation and are understanding considering we have been always paying in a promptly manner. XXXX County has indicated that US Bank does not have the authority to enforce terms of the Housing Authority loan, the bank only has authority to service the loan. From our understanding XXXX County is trying to solve the communication situation between the County and the bank. To date, we have received a number of letters, and when we contact US Bank we are provided little to no useful information and have been finding it exceedingly difficult and unnecessarily stressful. We have always paid on time, and felt that renting and maintaining the property was a better option than abandoning the property. We have contact information, as well as numerous correspondences from XXXX County and US Bank if requested. Thank you for your time and assistance.
I noticed that my Experian credit report displayed several unauthorized hard inquiries that were made by XXXX XXXX. I then reached out to XXXX Executive Office 's, disputing that the inquiries made by XXXX XXXX on my Experian credit report were unauthorized and without permissible purpose. XXXX responded, stating that XXXX had no knowledge of the inquiries that is being reported on my Experian credit report, and provided supporting documentation to that fact. Although I provided Experian with supporting documentation from XXXX, that the information Experian is displaying on my Experian credit report is inaccurate and false, Experian still displays the inquiries.
Ally had s class action law suit. And failed to add my name to the law suit for any purchases made XX/XX/2011. Someone from ally called me she was XXXX. I stated this car I purchased was only XXXX but by the time I get through paying the car off I would have XXXX dollars. Im stressed out emotionally distressed if the pain this XXXX company has caused me and thousands of others. I want them to send me my title because I have paid Ally Financial enough money. I still owe 3000 plus dollars. 7 years later today.
By law the Credit Reporting Agency is required to investigate and validate all accounts reported on a credit report ... .they should be able to supply to person 's name who entered the information ... .the actual contract or physical proof that is in their files to support the information being reported, yet, they refuse to investigate and verify properly.
I have now spoken with three/four ( but the second woman hung up on me after she said her scripted info ... it was strange ) people at XXXX XXXX. Each of them told me completely different information. The card was activated in XXXX, but she could n't say anymore. Then she told me There was no manager they were " on a call '' and I told her I 'd wait, and the VP was never in a meeting,
I had a mortgage with XXXX XXXX XXXX undergoing a modification and missed a number of payments. The mortgage was purchased by nationstar/mrcooper and successfully modified. The status is currently good/pays as agreed. XXXX XXXX persists in reporting this mortgages current status as delinquent when it is not, and hasn't been for years. I have disputed this with the credit reporting agencies with no success.
Complaint is against the unfair and illegal practices still being carried on by OCWEN Loan Servicing. OCWEN has refused to work with me and provide loss mitigation outside of simply just wanting to foreclose my home. I was forced by OCWEN to file for Chapter XXXX bankruptcy protection in order to stop a foreclosure on my property, after they repeatedly denied me a loan modification and instead began applying all sorts of excessive and outrageous fees to my loan making my ability to catch up with the payments virtually impossible. Because of this, I fell behind and out of the blue, they served me by mail with foreclosure papers. Filing Chapter XXXX stopped the foreclosure proceeding but only temporarily as they are now requesting the court to lift the stay. OCWEN seems determined to foreclose my property and even claims that the property has no equity, which is inaccurate. OCWEN still practicing outside the Federal guidelines, something they had been fined for back in 2013. OCWEN has submitted paperwork to the bankruptcy court full of inaccuracies and misstatements. They have continuously charged me fees for things such as attorney fees, foreclosure fees, " other costs '', etc. Every time they do this, they placed my loan balance at a higher figure. OCWEN has also provided me with monetary figures that do not match others. I am currently on Chapter XXXX solely because of the actions of OCWEN against me. I had to file an emergency protection in order to keep OCWEN from selling my property at an auction. I am a Veteran ( XXXX ) and currently a XXXX, I have a full time job and the ability to make my payments, only if they would stop flexing their muscles and try working with me instead of insisting on foreclosure.
******NOT A DUPLICATE*********** I do not have a signed contract nor any contract with Portfolio Recovery Associates . I have never done business with this company. I am not liable for the collection from this debt from XXXX XXXX Bank. I am not responsible for any debt with Portfolio Recovery Associates. On XX/XX/XXXX I have disputed the two accounts with PRA. PRA still fails to provide VALIDATION or a CONTRACT which holds me liable for these debts. I have attached documents that are sent to me which may VERIFY where the debt originated and give info on when PRA acquired the debt however they still fail to VALIDATE that this belongs to me. No signed contract only a single credit card statement that shows the balance in question. No full history of the account showing how it originated. This debt does not belong to me. Portfolio recovery also has now said that they refuse to process any disputes regarding these accounts which seems to be a violation. As a consumer I have the right to dispute accounts which I believe are fraudulent especially when it has not been proven to belong to me.
Santander Bank, XXXX XXXX, New york There was an promotion going on in the month of XXXX when I visited the bank and an Checking account was opened which declared a new account opener will be provided with {$250.00} cash if the direct deposit of {$500.00} will be made in the next 3 months and the account will stay opened for 90 days. Also it should be new customer. 
I opened the account on XXXX/XXXX/XXXX BRANCH TRANSACTION AT XXXX XXXX - CASH DEPOSIT. {$110.00} {$110.00} All the conditions were fulfilled and still they have not deposited the money even after several efforts made by me on phone and in person visiting the branch. 
1st direct deposit was made for XXXX/XXXX/XXXX XXXX XXXX PR PAYMENT XXXX {$850.00} {$910.00} which should have fulfilled the criteria but even then a next deposit was made for XXXX/XXXX/XXXX XXXX XXXX PR PAYMENT XXXX {$1000.00} {$1100.00} and if we see as per the conditions 90days are done a long ago but still the company is not paying what they agreed. Its a kind of misleading practice to the consumer just to get more bank accounts. 

I called them twice spoke with the representative one month ago and they said they gon na deposit the money but no joy, then I went to the branch twice, same answer, no practical solution. 

I want the money which they told me they will pay also the compensation for the harrasement and waste of my time by calling them again and again, also visiting them to the branch. 

So annoying.
Key Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Fell behind on payments. After 90 days we received our {$1000.00} payment back, and spoke with XXXX XXXX. He managed to lower the actual owed amount to under {$300.00}. Since then I have not spoken to the representative more than once. I had to fill out XXXX modification packets. On the first XXXX we mailed and faxed, they claimed they never received or lost some of the paperwork. They 're excuse was that they had multiple offices and the paperwork could of gotten mixed up. I 'm in the process of doing it a third time, but all electronically with help from XXXX.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. This is ruining my credibility.. No one wants to grant me a loan because of this error ... XXXX   XXXX  ( reported duplicate on my credit report ), XXXX XXXX ( reported duplicate on my credit report ), XXXX   XXXX  ( reported multiple times on my credit report )XXXX XXXX XXXX ( reported multiple times on my credit report ), XXXX   XXXX ( reported duplicate on my credit report ) XXXX XXXX, XXXX   XXXX, XXXX   XXXX, XXXX   XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX
NCA WENT ON MY CREDIT REPORT WITHOUT VALIDATION IN VIOLATION OF FCRA. SOLD DEBT TO XXXX WITHOUT VALIDATION AND ENDED UP ON MY CREDIT REPORTS IN VIOLATION OF FDCPA, FCRA, AND TCPA. XXXX CALLS TO MY WORK ETC SEE ATTACHED PHONE AND OTHER RECORDS.
I have had numerous accounts with Conn 's in XX/XX/2017 I received a phone call to make a payment over the phone, at that time I had 2 accounts with 2 different due dates, the representative told me that she could merge the accounts and they have 1 due date and I agreed to that a due date of the XXXX of each month. For months I have been paying {$130.00} and they have posted to my account. I had no clue that the accounts were not merged until I received a notification that they were reporting me 30 days late on my credit reports. I called and went around in circles with not so articulate customer service representatives. I also take issue with the fact that they added on insurance to my items though I told them I have homeowners insurance yet is was forced upon me anyway. These people are forcing consumers to purchase their insurance and I do not believe that is legal. By the way for some reason the online option is an issue and they tell you in the store that it does not work, NOTICE that all of my payments are made in the store except 1 and that one payment that this transaction was suppose to take place.
overpayments made in XXXX and XXXX XXXX were misapplied and placed in unapplied funds instead of being applied to the principal. I have called several times and filed a complaint with the cfpb in XXXX XXXX requesting the money from unapplied funds to be applied to principal and capital one has failed to do so
Jared Galleria is calling me upwards of XXXX times a day half from private numbers others from multiple different numbers mainly from XXXX. I answer and they hang up constantly. I have talked with them and explained the situation and they continue the same behavior. This is rediculous and harrassment.
I have already submitted a complaint and wish to add this information. SPS and or   XXXX   are complicit in committing a felony on  XXXX   XXXX   records  filing a fraudulent assignment in  XXXX  claiming  XXXX  is successor in interest to  XXXX  which has been proven a legal impossibility in my case and thousands of cases across t he US. On top  of that  XXXX   XXXX  has evidenced  one hundred  percent of the assignments she investigated in  my county ar e VOID and fraudulent.     Thank you for your complaint  XXXX  about SELECT PORTFOLIO SERVICING,  INC..     XXXX   XXXX  has certified every page.  100 percent of  the assignments on  XXXX   XXXX  records she investigated only being allowed to investigate homes not in foreclosure, all were fraudulent and VOID.   This is concealed by mayor  XXXX   XXXX  in complicit with the fraud on  XXXX   XXXX  records and most evident o n all county records in the State of  Washington.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   You can see in Exhibit A Trust Long Beach Mortgage Loan Trust  XXXX  is a faulty trust  XXXX  has been paid a settlement for  due to this trust is VOID and never existed.      XXXX   XXXX   XXXX   On   XXXX   XXXX   XXXX  , the FDIC  Board of Directors approved a se ttlement among the Receiver,  XXXX  and  XXXX , which would settle the lawsuit filed by  XXXX , the Indemnification lawsuit filed by   XXXX   and  all clai ms for indemnification made by  XXXX  against the Receiver, including  two other  lawsuits disputing  XXXX s responsibility for tax liabilities of the failed  XXXX   (   XXXX  Settlement ). In exchange for releases from  XXXX  and  XXXX , the Receiver will pay  XXXX  {$640.00 }   XXXX   in c ash in settlement of its administrative claims in the receivership and will give  XXXX  an allowed general unsecured receivership claim for {>= $1,000,000}. The  XXXX - XXXX -FDIC Settlement agreement can be found at this link :  XXXX - XXXX -FDIC Settlement agreement - PDF. SEE EXHIBIT A The  XXXX - XXXX -FDIC Settlement remains subject to judicial approval in a procedure to be filed by  XXXX  in California, and if approved, will result in the dismissal of the  four   XXXX -related actions pending in the  U.S. District Court for the District of Columbia and the appeal pending in the U.S. Court of Appeals for the District of Columbia Circuit.
I had an account with XXXX XXXX opened in XXXX 2009. I defaulted on this when I got sick and was unable to work. I later became XXXX due to this illness. I tried to work with XXXX XXXX but they charged off the debt. Since that time, a debt collector purchased the debt and I have received XXXX Dismissals from my local District Court and then a Summons and Complaint from the same court today about this debt.
A few weeks ago, I logged onto my credit card account to pay off a {$1100.00} balance from a large purchase. I alternate paying my credit card with my XXXX checking accounts at XXXX different banks, one of which is Wells Fargo. At this instance, I meant to use the other checking account but mistakenly clicked on the Wells Fargo that did n't have any money in it. That is when all XXXX broke loose. 

As the credit card issuer made multiple pulls at an empty account ( I did n't know they could do that ), Wells Fargo charged multiple {$35.00} NSF fee. They continued to charge and charge and the amount went to over {$100.00}. 

What 's more, I am an American that spends most of my time XXXX. For Wells Fargo, that means I virtually am always locked out of my online banking due to 'security reasons ' and therefore can never have a great idea of my balance unless I make a costly international call to their customer service. 

Despite my best efforts, Wells Fargo only refunded a tiny amount. 

Despite this being a result of a mistake, Wells Fargo preyed on me, a very long-time customer, as they probably do to many others. My family and I, who have linked accounts, have been customers for decades and I feel cheated that this would happen. What with the huge scandal about fraudulent accounts as well as my personal struggles with them, Wells Fargo is definitely no longer a bank you can trust - if you ever could.
There is no longer a contract for this debt and it was paid. I do not owe this debt. I did not receive a notice to dispute
I have contacted this company on SEVERAL occasions to fix this issue, but I am always either ignored or sent paperwork that has nothing to do with solving my issue directly with this company. They are reporting a collection that is not my account on my credit file. They never contacted me to tell me they were putting this on my report, which according to the FCRA they are supposed to do so within 5 days. Also, they have absolutely NO documentation that this account is mine. I have a very common name, but that 's no excuse for attempting to ruin my credit reputation with potential lenders. I have never had  XXXX , and while communicating with diversified consultants, they 're telling me to discuss this issue with the other company. Well, the other company is not reporting false and illegal information on my report. THEY ARE! I have asked for verification on several occasions, and all that I 'm sent is someone 's bill. I have sent documentation of the phone service that I 've had for 10 years with no gaps in time whatsoever to prove this account is not mine. They were asked to verify this debt by the proper FCRA guidelines, including but not limited to, color photo copies of my signature, license, contract, etc, NONE of which has been provided. This is my LEGAL RIGHT to have this information they claim to have, yet I 've been ignored for months, which obviously means they do not have said information because IT DOESNT EXIST! How can it be justified to attempt to ruin my credit reputation without justification or legal documentation?
The original creditor ( XXXX XXXX ) had already charged off this debt and removed from my credit report. I received an updated copy of my credit report and found a collection agency named XXXX XXXX XXXX on it, stating that I owed {$10000.00} for a car that was repossessed over 4 years ago. I contacted XXXX and they have no record of my account. I then contacted XXXX and they referred me to another company named XXXX XXXX XXXX. When I spoke someone at XXXX, which said that they are managing the account for XXXX. I explained to them that this debt was charged off years and should not be on my credit report. They stated that they bought the debt and was trying to collect on it. I then stated, how can they buy something that was charged off and try to collect on it years later. I never received any correspondence or phone calls from either company XXXX or XXXX concerning this debt, it just showed up on my credit report. I explained to the representative that I do not have {$10000.00} or half of that. I was told that legal actions will be taken if I do not settle this debt. Something truly needs to done about XXXX buying and trying collect on old debts that the original company had already charged off and removed from their records.