WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a vehicle that was financed through Mercedes Benz Financial, in XX/XX/XXXX. I had some financial difficulty and filed for Bankruptcy that was discharged in XX/XX/XXXX. Mercedes Benz Financial never sent reaffirmation paperwork and stayed in constant contact, for 11 months after the discharge. I was receiving billing statements and phone calls, and since I had never filed for bankruptcy in the past, I had assumed that since I had informed the courts that I was going to maintain the auto loan, this was normal operating procedure. Thirteen months after the discharge, I received a repossession notice from Mercedes Benz Financial and worked out a deal with them, to pay a months payment, and have an additional months rolled to the back of the loan. I made the payment and assumed that all was well. The next day, I received a phone call from a very rude representative at Mercedes Benz, who told me that they were not honoring the deal. I informed her, that the collection of the funds, was an acceptance of the deal and that any differentiation would be a legal misrepresentation. She threatened to have my car repossessed. I spoke to another representative that finally agreed to honor the deal, and she informed me that I was no longer receiving billing statements, due to my " recent '' bankruptcy. She informed me that according to their records, my discharge was XX/XX/XXXX, a full 13 months after the actual date. I also informed her that I never received any reaffirmation paperwork, and was told erroneously, that I was to receive all the documentation from my attorney. He confirmed that the information was incorrect, and should have come from Mercedes. I continued to pay off my loan. Now, it 's is XX/XX/XXXX a full 10 years after the purchase of the vehicle. I contacted Mercedes Benz for a payoff, 3 years ago, and they had trouble finding the loan. I was told I would be called back, which I never was, so I contacted them again the next day. I was told a bloated amount, thousands more than my records. I have had the car for the past 3-4 years and have not made any payments. The bank, has made no attempts to collect, but I have not received a title for the vehicle. I want to file a complaint against MBFS and have the title sent to me, asap. The original, used vehicle loan, is over 10 years old! Thank you for your time.
I received a check for a larger than normal amount and went to the local Chase bank branch to speak with a banker on the best way to deposit it. Since CD interest rates are so low, it was agreed that I would open a new savings account. I also upgraded my checking accounts based on his recommendation. 

A few days later, the check cleared and I created XXXX bill pay items to send out. A few days after that, my primary checking account went negative and the savings account was also negative. XXXX XXXX had marked the check as fraudulent. I got a new check from the company that was pre-cleared by XXXX XXXX and returned again to Chase. 

After a few phone calls, I was told only the savings account would be closed and that I could open a new one to deposit this new check. I also brought along work checks to deposit into my existing checking account. 

Chase then froze and closed all my accounts. I 've been banking with them for XXXX years, since 2010 and have never had a problem with deposits. They said they would issue a check after the accounts were closed. This leaves me with no checking account and almost 15 days of waiting time to get access to my existing funds that were in my checking accounts, not counting the deposit. 

Why did the banker not warn me that this could happen? Why was my account flagged?
This is an ongoing problem and has bee since XX/XX/XXXX. Bank of America refuses to take any responsibility for their part of my issue with them. As I have told them ( repeatedly ) I am not denying that I am behind in payments what I am having great difficulty with them about my mortgage is their mistakes they 've made which are being placed upon me and becoming my burden. Through BOA own short sale program which they approved I had a buyer and followed all their instructions as did my realtor and yet BOA kept stringing all of us along for well over a year. This means that from the time I had a buyer until present the mortgage issue would have been resolved and no more missed payments and fees etc. Yet, BOA refuses to address this or remove all these fees and costs accrued that are their mistake and instead keeps pushing me towards a short sale or foreclosure. A foreclosure date has been set for XX/XX/XXXX. As far as a short sale goes, that 's really not a practical solution as the BOA customer svs rep wo n't even turn account over to short sale dept for a rep to be assigned. Instead she says to just submit the previous paperwork my realtor had already submitted with the previous potential buyer ( but not that buyers info ) and send through an equater system. I said this has been done before and this is where the ball got dropped before by BOA. I then spoke about appealing again and she said unless my income has changed it wo n't matter. I said that on the last appeal they ( BOA ) had wrong figures in my debt that would increase my income especially since I was told I only missed qualifying by XXXX dollars. My customer service rep said my debts do n't matter only my income. I asked then what was the point in filling out a debt vs income form. She said to just give them a picture but really only the income matters. My customer service rep then asked me if I had looked into refinancing with another institution? I asked who would refinance me with the mess my mortgage currently is and also the amount being charged against me with legal fees, loan fees etc keep varying in their amounts. I also do n't wish to be put in the position where if I end up going through losing my home that to add insult to injury I then get taxed for what ever loss Bank of America determines in the differences. The point being this issue could have been resolved permanently 2 years ago to present with the short sale Bank of America dropped the ball on and I am still paying the price for. I feel now that not only should I be given a clean slate regarding fees etc since having the buyer from 2 years ago to present that I should be given a clean slate to what my balance was when I XXXX had problems with making payments since my last payment in XX/XX/XXXX just on principle because of it still be a problem 4 years unresolved to date and always the same response and action ( or rather lack there of XXXX. 

Sincerely, XXXX XXXX XXXX
I have requested for the Original Mortgage Note & service agreement from the original note holder.Original Promissory Note & " Chain of Custody '' of the Promissory Note.By law i have rights to all " ORIGINAL " documents
In XXXX, 2016, I signed a contract with a " matchmaking '' service and charged the fee, {$5500.00}, on my XXXX XXXX card. That promised service was not provided, and I contacted XXXX to deny payment to the company and credit my account- I provided detailed information as to what happened and why the payment should be denied. In XX/XX/XXXX, the sale of the XXXX COSTCO credit card business to Citi was completed, and Citi took over the " investigation ''. There 's no evidence that Citi did anything other than accept a ( false ) statement from the merchant at face value and denied my complaint in a letter I received this week. In the letter, they also threatened to damage my credit standing if I did not pay the bill immediately. In fact, the bill about been paid in full, including the disputed charges, a month earlier. I responded with a letter, complaining about their decision. I have also filed a complaint ( pending ) with the Office of the Maryland Attorney General.
Central Credit Services LLC who works for XXXX XXXX constantly called me at home and at work many times until I made an agreement them to makeup payments on my account because it had fallen past due because of financial hardship. We made an agreement XX/XX/2015 for XXXX. They told me the account would not go further pat due and I would not incur more fees. Which was a lie I was charged XXXX dollar late fees every month even during the agreement and I with the combination of interest and late fees XXXX percent of my payment is going to XXXX XXXX when I complained they told me I had to make a make up payments of XXXX dollars to avoid the fee which is incorrect past due amount is XXXX according to XXXX XXXX and my credit report is reporting past due of XXXX. Further more in XXXX 2015 my account went further past due on my credit report even though I was making payments since XXXX of 2015. I sent the company 2 extra payments of XXXX from a shared account I have with my wife to make up for payments. I asked them just to debit those XXXX amount on this account but they continued to debit this account which I did not authorize which caused the account to incur NSF fee. This company has taken advantage of me trying to repair my credit has lied about not incurring fees has lied about my account not being reported deeper into past due status on my credit report and has taken money from my account with out my authorization.I have done everything they had asked me but had lied about the outcome.
I am a single mom of XXXX kids, needed to tag new car I just bought. I went on the internet to apply for an internet payday loan. I applied for the loan for {$600.00} originally. I was told that I could pay it back over a period of time beginning XXXX/XXXX/2016 ; of which that are making me pay it back starting on XXXX/XXXX/2016. I was never told about me having to pay {$150.00} in interest every two weeks, ( there is no way I can afford that ), which does not go against the principal amount borrowed. this is what is included in the contract : ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
556.7963 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$2600.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$600.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 
{$3200.00}
ON XX/XX/2016 AT XXXX HRS CALLER STATED SHE WAS FROM ACME DEBT COLLECTORS AGENCY AND SHE WAS CALLING ABOUT THE DEBT I OWED TO XXXX. THE DEBT WAS OVER XXXX DOLLARS US AND I INFORMED HER I DO NOT HAVE IT AT THIS TIME. SHE THEN TOLD ME THAT IT WILL BE TURNED IN TO AN ATTY BECAUSE I WAS REFUSING TO PAY THE DEBT. I STATED I DONT HAVE IT AT THIS TIME I AM NOT REFUSING. SHE THEN STATED THAT I WAS STEALING FROM XXXX AND IT WOULD BE TURNED IN TO AN ATTY. I INFORMED HER THAT I KNOW I HAVE RIGHTS AND SHE WAS VIOLATING THEM. SHE YELLED AT ME WHAT RIGHTS. I INFORMED HER ABOUT THE FEDERAL TRADE COMMISSION. I ASKED HER HER NAME AND TO SEND ME THE INFORMATION BY MAIL. SHE THEN HUNG UP ON ME. I CALLED BACK THAT EVENING TO SPEAK WITH A SUPERVISOR BUT I GOT A PROMPT THAT THEY WERE CLOSED. I THEN CALLED BACK THE NEXT DAY AND SPOKE WITH A SUPERVISOR SHE STATED SHE KNEW ABOUT THE CALL AND WHEN I SAID I WAS CALLED A THIEF SHE SAID THAT DID N'T HAPPEN. I SAID BEING TOLD I AM STEALING IS THE SAME THING. I SAID I KNOW MY RIGHTS AND WAS CONTACTING THE FTC. SHE STATED DO WHAT YOU HAVE TO DO AND HUNG UP.
XX/XX/2017 

XXXX XXXX XXXX, FL XXXX Transunion XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my second written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX {$210.00} Thank You XXXX
In attempting to set-up Bill Pay through XXXX XXXX XXXX ( my bank ) for my Synchrony credit account, I logged-in to Synchrony 's website to obtain my Synchrony account number. I was unable to find the account number so I initiated a chat with a Synchrony representative. In the chat, the representative disclosed certain nonpublic personal information ( XXXX ) to me but refused to answer any questions about my account, citing " security purposes '' ( i.e., if I asked about my account, the representative refused to provide information but the representative provided the SAME information independently, so long as I did not ask for the information ). When I requested policy documentation outlining what XXXX would be disclosed and how it could be disclosed, I was told that customers could not view that policy. On XXXX/XXXX/15, I received a call from a representative from Synchrony who stated that he would be sending me a copy of the card agreement ; however, the card agreement does not specify when XXXX would be disclosed and how it could be disclosed.
Wells Fargo has made it incredibly annoying when trying to pay a credit card payment. I called in to make a payment with a debit card and was told that to use my debit card I would also need to provide my routing and account number. I don't have access to this information and I know there are plenty of other people out there who also don't carry this stuff around with them. I want to make a payment with a debit card but I can't because to use a debit card they want ACH information. This seems strange especially since debit cards are often used to avoid giving out routing and account number. This is incredibly frustrating.
I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge all credit history would be deleted. I've sent multiple disputes to XXXX   and each credit bureau that's STILL reporting and they REFUSE to remove them. This is becoming frustrating because I'm trying to repair my credit and buy a house but these student loans are stopping me. I've called them multiple times and sent certified letters to them with NO HELP. They told me they will keep reporting when they are supposed to delete them as stared on the letter. Please help me.
The Home Depot/CBNA account # XXXX is showing a negative 30 day mark on my credit report for XXXX. I have called them to dispute this multiple times as I was not aware that a payment had not processed. As previously stated to them, this was set up on auto pay with my XXXX account, NOT home depo, and for whatever reason did not get to them. When I was notified, I immediately paid the account and it is even paid in full/off. Home Depo had very good customer service and understood what happened, they refunded all the fees and late fees associated with the error. I appreciate that, however I do not feel this should have been reported on my credit report. I have talked to multiple representatives after, and they all advised that once reported they cant remove. They again proceed to say we updated everything on there end and credit me any fees, however I am disputing the 30 day late reporting on my credit report. I kindly ask you please remove or advise what next step I need to take as I strongly feel this was incorrectly reported. 

*note you have removed ALL fees, therefore based on this you acknowledged this was an error, please move 30 day late as well.
I would like the incorrect remarks removed from my XXXX XXXX XXXX  XXXX account to be removed immediately. Please remove remarks from my account.
I have had a mortgage with XXXX ( serviced by XXXX since XX/XX/XXXX ). On XX/XX/XXXX, my mortgage was sold/switched to another Subservicer of XXXX, Nationstar. Since that time, my mortgage has not been reported to the credit bureaus. Consequently, I do n't have a current mortgage showing on my credit report. I am in the process of purchasing a new ( additional ) home ( closing scheduled for XXXX ... One week from today ), and my lender is telling me that it can not be processed until my existing mortgage is reflected on my credit report. I have made at least 6 calls to Nationstar customer service to find out when it will be reported. Nationstar told me they are legally prohibited from reporting my info for 60 days following the loan transfer. Today is day 65, and they have given me 6 different answers as to when it will definitively be reported : 1 ) automatically on day 60 ; 2 ) on the 10th day of this month ; 3 ) at the end of the month ; 4 ) at the end of the billing cycle ; 5 ) at the beginning of next month ; and 6 ) ' it has already been reported '. Today, they 'confirmed ' that it will be reported on the first of next month. I have begged them to manually override the system and report my mortgage info now. They said this is not possible. They told me that every lender has different policies, and this is their policy.
This XXXX XXXX XXXX account # XXXX is " paid-in-full ''. It should be reported as " closed ''.
Good Evening, I am currently enrolled in a Master 's program at a school where I received a XXXX XXXX ( this is important ). I already have an up-to-date student loan that I make auto-payments for each month. I decided to pay for my Master 's out of pocket. 

There was an opportunity to Study Abroad next year and my Advisor told me to apply for FAFSA to see if I qualified for a scholarship for that program. I knew I would not qualify for FAFSA, but he told me to fill it out anyway as a step towards the Scholarship application. 

Next, I logged onto my account online for the school and there was a disbursement of over {XXXX} for each semester this year. Luckily I did not have my bank account information loaded, so the funds were not deposited into my bank. However, they were showing online for the school as a, " refund '' - an unsubsidized loan. After some struggling, the school corrected the issue on their website. 

However, now a check was sent to me today, XXXX. I shredded it and looked online and found that the loan amount for this semester has been tacked onto my student loan through Great Lakes XXXX. It is showing that I owe this amount, plus interest, and a {XXXX} fee. This is baffling to me, how they have the ability to add this to my bill without any confirmation or agreement. 

I never asked for this loan. I never signed a paper agreeing to receiving it. I only applied for FAFSA as a step to apply for the Scholarship. I am confused as to how they can do all of this without a signature or approval, and I am afraid that it may be showing on my credit. I am going through the steps to get the money taken off of my student loan account, but I need to make sure this does not affect my credit. This is not something I asked for. I have lots of emails for correspondence to show that they did it without my permission and that it should have been taken care of. 

Please let me know if you need more information. 

Thank you for your time, XXXX XXXX
This complaint is in regards to the Student Loan Servicing Company NAVIENT This company has overcharged my Student Loan Accounts by {$3100.00} I have written them 3 times to provide a break down of each loan and every dollar charged to my student loans. ( I have XXXX loans ) and each time they just respond with a Total Amount Owed and say it is correct. They tell me if I have any disputes to contact they previous loan servicing company XXXX. I have contacted XXXX and they have provided me with information that I have sent NAVIENT. CLEAR Documentation from XXXX that NAVIENT is overcharging my accounts by {$3100.00} and they tell me to contact NAVIENT. So I have, 3 times, and NAVIENT keeps responding with nothing, no documentation proving or showing me how they came up with the Total due on my accounts, except for sending me a XXXX page letter stating you owe this Amount. I have written them 3 times now clearly stating in CLEAR English the documentation and proof I am requesting of a breakdown of each individual loan, every dollar in interest charge and how they came up their Total Amount Due. XXXX, my previous loan servicer, has been able to provide me with this documentation, but NAVIENT keeps responding with nothing. If I could sue NAVIENT for overcharging customers, violation of consumer protection laws and horrible customer service and treatment of student loan consumers I would. I do not want NAVIENT to be my Student Loan servicing company.
American Collection Services has continuously contacted me attempting to get a hold of my mother. My mother called while I was on the phone. XXXX the debt collector disclosed all of the my personal information to my mother without my permission. Once he knew that I was on the phone, he then asked for me to talk to my mom about the accounts. After the account information was disclosed, I then tried to set up a payment plan where I could send in the payments or call them in each month. XXXX then refused saying that I needed to set up the payments with my checking information or a debit card/credit card. Told him that I was uncomfortable with the situation. He then said that we can not come to an agreement and that he would proceed with collection efforts. I attempted to set up a payment plan but now I might be getting sued because I do not feel comfortable giving my information over the phone. He also violated my rights in reference to the FDCPA by disclosing my personal information with my Mother, XXXX XXXX without my permission.
I have a credit card on with Capital one and the due date is XX/XX/18. I forgot to make a payment and I made the payment on Tuesday, XX/XX/XXXX. I got charged {$25.00} late fee however my contention is that Monday is a federal holiday and regardless of when the payment was made, it will not get posted until Tuesday., I thought charging a late fee is unfair. If Monday is not a federal holiday, I will agree that the payment is late The Federal Reserve allow a day grace period when the due day is on the weekends and Monday is a federal holiday
I have had XXXX short sale offers submitted to Dovenmuehle Mortgage. The first one went all the way through escrow, but when there was yet another delay on XXXX 's part, the buyers have walked away. The mortgage company refuses to talk to me or to communicate with my real-estate agent. Their letters say I have a point of contact, but I can never get to her, and I am still receiving calls from their collection department, which I understand is illegal. I have provided all the information they have asked for on numerous occasions, but every time I attempt to contact them, they never seem to " have it in their system ''. In fact, the last representative I talked to said they have no record of any short sale offers ever having been made, which I know is a lie. I can not keep this house, I have tried for years to get it sold, but they will not cooperate. At this point, I want to just do a deed in lieu of foreclosure, they can have it, but again, nobody will talk to me.
In 2011 I mediated a credit card debt to XXXX and paid it in full. I am about to sell my house and was notified of a lien against my house as a result of " non payment. '' I have searched everywhere for a cancelled check, called XXXX XXXX XXXX to see if they could provide proof, to no avail. When I went on the Government website for XXXX XXXX in Georgia, I found the case number ( XXXX ) and it was listed as XXXX  XXXX Bank vs. XXXX XXXX. The case was closed. Clearly, I paid the debt, but XXXX XXXX XXXX, Cooling and Winter will not release the lien. My house closes on XX/XX/XXXX. What do I do? 
Thank you, XXXX XXXX XXXX