WillisBack/dataset-financial-user-claim huggingface dataset:
As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Executive Vice President and Chief Financial Officer failed to rebut, address, answer or respond to Conditional Acceptance Upon Verifiable Proof of Claim, USPS Certified # XXXX XXXX XXXX XXXX XXXX.
Servicing on my XXXX mortgage was switched numerous times. Was assigned to New XXXX Points Mortgage # XXXX on XXXX XXXX ... ..confusing of who I was to make payments to and made XXXX payments in XXXX ... they are reposting me 30 days late in XXXX of XXXX ... ... I was under the impression no late payments can be reported to the credit bureau during the XXXX 60 days ... ... they will not cooperate with me
Amsher Collection Services for amount of {$1400.00}. I have sent Amsher Collection Services a debt validation and Amsher Collection Services has not responded to my validation and also has reported this to my credit reporting agency XXXX, XXXX and XXXX. This account does not belong to me
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXXXXXX XXXX XXXX  ( XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX : XXXX Experian : XXXX XXXX  : XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX   : XXXX, XXXX XXXX ( XXXX :, XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX ( Experian : XXXX XXXX : XXXX, XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX ( XXXX : XXXX, XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : 6X ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX.
I signed up for a XXXX through TD Bank under promotional terms. The offer was a {$200.00} cash rewards bonus reflected on the account in 6-8 weeks after spending {$1500.00} in total net purchases within 90 days of account opening. I met the promotional spending terms by my XXXX XXXX statement ( well within 90 days of account opening ). By the terms of the offer, I should have received the cash rewards bonus no later than 8 weeks from XXXX XXXX, which would be XXXX XXXX. I have not received the bonus. I have sent ~XXXX secure emails and called ~XXXX times. TD Bank always has a different story. When I called in XXXX, I was told I would see the bonus on my XXXX statement. That did not happen. When I called today ( XXXX ), I was told the bonus would post 6-8 weeks after the first 90 days. However, this is not how the offer terms are written, and at this point the bank seems to be doing anything it can to avoid honoring the terms of the offer.
On XX/XX/2016 I sent in my monthly mortgage payment to Ocwen for the month of XX/XX/2016. ( check # XXXX ). I am always a month ahead in payments. ( see attached ) Ocwen cashed that check on XX/XX/2016. I was expecting to receive my next payment coupon from them for XX/XX/2016 but by XX/XX/2016 I had not received it, so I sent Ocwen a email asking why I had not gotten it yet and on XX/XX/2016 I received a email from them that stated ( see attached ) a mortgage account statement is sent either when a payment is received or when a payment is not received by the end of the grace period, whichever is earlier. But as I just stated they DID RECEIVE my payment for the month of XX/XX/2016 ( see attached ) but have failed to send me XX/XX/2016 payment and here it is XX/XX/2016. I decided to give them the benefit of the doubt and and wait to see if they would send me my next payment. On XX/XX/2016 I still have n't received a payment coupon for XX/XX/2016 payment so I sent them another email stating that I am still waiting for it. I have not signed up for paperless billing and I never will. Ocwen suggested in their email to me that I just send in the payment without the payment coupon. I will probably have to end up doing this because of their negligence. I am scared to think of what problems lie ahead because of not having that payment coupon. This is not the first time Ocwen has failed to send a payment for the following month mortgage.
My information was compromised in the XXXX hacking and I 'm trying to put a " credit freeze '' on my data at all three agencies to protect myself against future identity theft. I 've a near perfect XXXX XXXX and live nearly debt free, so it 's not something I use or need. As such, a freeze makes perfect sense for me. I was able to process a credit freeze with XXXX, however, TransUnion is asking that I send them a photocopy of my Social Security card before they can process the credit freeze. This seems like an unreasonable request for them to complete the process. I 've never been asked to mail a copy of my Social Security card for anything in the past. For XXXX, their phones are n't even working. So, I 've no way to even contact them at this point.
I recently read a copy of my credit report and saw this company has put a bill in my name out to collection which has subsequently reported to XXXX. I have contacted Nationwide to investigate their claim and have written to them requesting they remove this unfounded charge and correct my credit report. To date, they have refused. I request your assistance. 

Undisputed facts : Auto Policy # XXXX issued to me on XX/XX/XXXX with a 183-day term ( XX/XX/XXXX XX/XX/XXXX ) for a total premium of {$980.00}. Initial premium paid by me on policy : {$240.00}, listed on policy summary page as 25 % of total premium. Policy lapsed, put out of force on XX/XX/XXXX by Nationwide. 

Note : Policy term was scheduled for 183 days ; coverage provided was for 46 days ( 25.14 % ). Premium paid was 25.00 %. 

Undisputed facts ( cont ) : Auto Policy # XXXX was put back into force on XX/XX/XXXX ( out of force for 11 days ) with an adjusted term ( XX/XX/XXXX XX/XX/XXXX ) of 184 days. This time paid initial premium of {$260.00}, higher than before, but presumably to incur some small cost for reinstating the policy. As policy number remained the same as the original contract, it stood to reason the policy terms remained the same. Policy lapsed, put out of force on XX/XX/XXXX by Nationwide. 

Note : Policy term was scheduled for 184 days ; coverage provided was for 44 days ( 23.91 % ). 

Summary : Auto Policy coverage terms scheduled for 367/2 = 183.5 days ; total coverage received was 90 days ( 46 + 44 ). Total premiums paid was {$500.00} ( 51.3 % of Policy # XXXXs Total Premium ). Total coverage provided was ( 49.05 % ). 

At Issue : Nationwide/XXXX  XXXX is claiming I owe them an additional {$100.00}. What for? Is this penalty for not keeping the policy? Did they change the terms of the policy ( because it was out of force for 11 days! )?  If the latter, they did so without my consent. ( After I disputed this charge they sent me premium notices from XX/XX/XXXX -- policy already out of force -- showing a different premium schedule. They can not cahnge the premium schedule after the policy is approved and put in force. 

Much like term life insurance, charges are not payable for periods of non-coverage. As explained above, I paid for what was provided to me by Nationwide, and a bit extra. 
I understand by twice lapsing my policy I was not a great customer for Nationwide, but this does not give them the right to arbitrarily apply charges, or change premiums due, past the policy effective date. I can assure you I approved no such thing. 

Please get them to straighten this out.
We moved out of the XXXX XXXX XXXX at the end of a one year lease XX/XX/XXXX. I lived in a different apartment at the same complex prior to the new lease dated XX/XX/XXXX. 
XX/XX/XXXX : A two month written notice and a verbal notice given. All debts incurred for the apartment paid as they came due. 
There is a report at the credit bureau dated XX/XX/XXXX showing a debt of {$3.00}, XXXX. A discrepancy was filed twice with XXXX. 
I received a letter from XXXX XXXX XXXX XX/XX/XXXX regarding the discrepancy. A letter was faxed with a copy of the XX/XX/XXXX vacating letter in response to the creditor advising the debt is n't owed. 
Hunter Warfield sent a notice that the company would speak with XXXX XXXX XXXX but no response. 
The credit report shows I now owe {$3.00}, XXXX.
My Citizens Bank account ( XXXX ) was compromised by a hacker. Whoever it was attempted to access my accountant. The problem was discovered, when I attempted to log in through my mobile app. The XXXX asked me to contact my bank because I was locked. In a previous phone with XXXX, I was informed that someone attempted to hack my account because the log-in location did not match my usual login pattern. They immediately escalate the incident. Citizens Bank, however, did not investigate as promised but instead they reset my password but I was still unable to log-in. During all my frustration, I transferred funds from my business account to personal account which is a separate ID. In the confusion I transferred it funds to the wrong account. I attempted to log into account after the password was reset from my mobile app and I was locked out again. Yesterday, I came in I did not get a chance to check my account. This morning the confusion of the deposit was discovered as a result my bank is charging me {$35.00}. I try to explain that my account was hacked, but my security question prevented any withdrawals. My bank refused to refund my XXXX and tried the entire incident as my error. I am still unable to use my mobile app and XXXX had reset my password again. The only way I can access my personal account is via a PC. Until I call this morning, my treated the attempted hacking as a user error, instead of, changing my user ID. I need my funds back because I am stressed and on high alert. Please help.
I have a loan with Lendmark Financial Services. For at least a year I have been asking for a monthly statement that shows current balance. Each time I am told the " process '' is under construction. 
I also expressed on serveal occasions my balance goes up and not down. 
They crafted some form of a statement that was very confusing. 



Is is not required to get a statement with due date, payment due, and current balance??? 
Are they not required to show current apr?
On XX/XX/XXXX at about XXXX XXXX I made a debit card purchase of {$6.00} leaving a balance of {$0.00} in my checking account. Got email alert that my balance was low {$0.00} at about XXXX XXXX ... checked my balance around XXXX XXXX on XX/XX/XXXX the bank app had me overdrawned for a {$10.00} ACH and an overdraft fee of {$36.00} and a direct deposit of {$480.00}. 
I called the bank around noon on XX/XX/XXXX and spoke to a customer service rep who only said that the fees couldnt be reversed and that my accound was overdrawned on the 18th. I told the rep that if if was overdrawned on the 18th then why was I abled to make a debit card purchase using my pin on the 18th ... no reasonalbe respond, just that the fees could not be reversed. 
My complaint is simple ... .the banks are making money on its customers when they can charge a {$36.00} overdraft fee for a {$10.00} overdraft, the acount has a history of continuing bi-weekly direct deposits which had to be in their system on XX/XX/XXXX when the {$10.00} ACH came in so they knew that the money is or will be there credited to my account. This bank has a history of swindling its customers out of their money for excessive fees. 
The results Im looking for is the rescinded of the {$36.00} overdraft fee. 
thank you ....
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I had a XXXXXXXX XXXX  secured Credit guard when I first started college in XX/XX/XXXX. I had called and closed that account after I got accepted with a regular credit card. 

Early this month XX/XX/XXXX. I was trying to get my account bank. So I tried to login to my account using the same email and password that I had. It works perfectly fine. Then when I tried to reapply for the card it gives me a message saying that my credit is too poor. My score is Currently XXXX. 

The bank then add an hard inquiry to Equifax. When I check my credit score it was going down because of that. 

Im really in the process of building my credit and can't afford an hard inquiry Please help
In XX/XX/XXXX we received a PAST DUE PROPERTY TAX NOTICE for tax year XX/XX/XXXX, due XX/XX/XXXX -- A Time Period For Which Ocwen Was In Fact Servicing Our Mortgage & Our Escrow Account. THE AMOUNT DUE AS SPECIFIED WAS {$190.00} We forwarded the notice to Ocwen. Ocwen made payment from our Escrow Account ; However, They OVER PAID! On XX/XX/XXXX, Ocwen deducted a " Property Tax Disbursement '' of {$240.00} On XX/XX/XXXX, Ocwen credited " Tax Credit '' of {$42.00} On XX/XX/XXXX, Ocwen deducted a " Property Tax Disbursement '' of {$24.00} Ultimately We Had {$240.00} Deducted From Our Escrow Account For A Tax Bill Of {$190.00}. When We Contacted Ocwen We Were Told The {$42.00} " over payment '' was not an over payment but was payment of Interest & Penalties -- - HOWEVER THE TOTAL AMOUNT DUE WAS {$190.00}. OCWEN DEDUCTED {$42.00} TOO MUCH FROM OUR ESCROW ACCOUNT! We Have Yet To See A Credit On Our Escrow For The " Over Payment '' And Have NOT Received A Refund From the County. I Have Provided/Attached A Copy Of The Tax Notice & A Copy Of An " Escrow Disbursements & Payments '' Statement As Provided By Ocwen -- The Two Document Show An Obvious Discrepancy in The Amount Ocwen Removed From Our Escrow Vs The Amount Due. It Also Shows That Ocwen Has Failed To Correct This Issue Dispite Having Had It Brought To Their Attention! OCWEN CHEATED US OUT OF {$42.00} BY DEDUCTING MORE FROM OUR ESCROW ACCOUNT THAN WAS DUE & NO REFUND OR CREDIT HAS BEEN PROVIDED!
I am a victim of an online at home business scam. I received many unsolicited telemarketing phone calls from several companies, they all promised me profitable online business. This company, XXXX XXXX XXXX called me on XXXX, XXXX was the name of the agent that contact me, he was very persuasive. He explained that without the social marketing that my site would fail. He said that XXXX XXXX XXXX would do the marketing and develop keywords to increase the site visibility and that would get me up to the first page of searches. That they would do an average of XXXX posts to XXXX and XXXX, so I would have continuous exposure. XXXX XXXX would set up a XXXX ad words through XXXX. I expressed concern that the site was not active yet. He said that the marketing should be done way before the site is active to give it exposure so people will be able to find it. I was told a rep. Named XXXX would start posting immediately. I also be taught how to do this myself in the future. XXXX would continue posting as long as I paid {$99.00} per month. If I did n't continue, that the site would not be viewed in searches. Also, that without a targeted XXXX release the site would fail. XXXX then spoke to me about renaming the website. We did some brainstorming on the phone and came up with " XXXX XXXX '' and the lower price of {$2800.00}. I only saw a few posts here and there. I lost contact with them once I asked for my refund, they decided not to answer my calls or return it. I believe they never had any intentions of selling me a legitimate business and actually make money of it like they promised me. I was scammed and I need your help to get my refund since they never provided me with the services that I paid for.
I have an installment loan with Lendmark Financial and I experienced several issues with the company drafting the payment from my account when they were supposed to. This resulted in my account being delinquent. I then got my account back on track and the same issue occurred again. Lendmark Financial filed a court case against me and placed a judgment on my credit report. I feel that I have been paying the loan and should not have a judgment while paying. The judgment amount is inaccurate as well. The judgment is {$12000.00} and my balance is {$8400.00}.
I went to activate my card but it was denied. I called gave all the information. I was told that he card was deactivated because I did not use it. Is this legal?
I am writing regarding a rewards credit card. My points earned in XXXX posted the account in XXXX. I had earned {$1200.00} worth of points/gift certificates in the period for the posting date ( 30 days later ) of XXXX XXXX. The points were redeemed for target gift certificates. After redemption, per Citicards agreement Citibank has an additional 30 days to mail the earned points certificates to the client. On XXXX XXXX I received an email from Citicards notifying me that the {$12000.00} worth of gift certificates had shipped. When I contacted them on XXXX after not receiving the gift certificates, I was told by a " supervisor '' that the gift cards were not able to issued by their vendor with no apology and that the points are now being reposted to the account but wo n't be available until XXXX XXXX, and that Citibank/Citicards will ship them 30 days after they are redeemed again. 

As a consumer, there is an agreement. My points take a month to post and then when redeemed the credit card company processor has 30 days to comply. The gift cards should have been sent by the latest date of XXXX/XXXX/15 however the order was unfilled without notice ( other than the email sent showing that they " mailed them '' ) due to Citicards failure to comply with their cardholder agreement. 
I was told by operation XXXX in the Florida XXXX order, Team # XXXX that it was " my fault because I chose not to get cash back and instead chose gift certificates '', which is why Citibank failed to comply with the cardholder agreement. 
I was then told that I would receive a call back 3 days later on Saturday, but it would more likely be Monday regarding this but there was XXXX INTENT upon doing anything or HONORING their cardholder agreement. 
At this point, Citibank 's negligence is shocking and their customer service is deplorable. I signed up for the credit card after being a Citibank customer for 10 years, with the intent to follow the credit card holder agreement but yet Citibank has illegally failed to do so on their part. The rewards gift certificates will not even be received until XXXX XXXX at the earlier because of they wo n't repost to their system until XXXX XXXX and they have 30 days to send them from there. 

In short, Citibank is attempting consumer fraud by their complete disregard for the cardholder agreement and the failure to provide goods as agreed upon.
I paid my car loan off to XXXX XXXX XXXX 5 months early, closing my account. This resulted in my FICO scores decreasing by an average of 40 points in Experian, XXXX and XXXX. When I inquired, I was told " When there is a sudden and unexpected change in your payment status, like paying off a loan early, the algorithm reads 'account closed early. ' That's just the way the algorithm works. '' To summarize : I paid my car loan off early, and credit agency 'algorithm ' punishes me with a 40 point FICO   score reduction.
I contacted each individual creditor only to be told that they can not assist me in getting this off. I explained to them that I did not initiate a request for credit and that by law they should not access my credit without my consent. They went on to say that I will need proof that I did n't initiate the request. I have tried consistently to work with them and to no avail they just ignored me or told me that they can not help me.
XXXX  was contacted over 30 days ago regarding items that were not verified correctly as mine. XXXX has not responded as well. the company hasn't provided information either. I've attached supporting documentation and information. This is a serious error in reporting and I would like this matter to be resolved.XXXX  reinserted and added without my knowledge. Also, keep reporting the account to further drop my score. Accounts appear to be duplicates as well. I have no knowledge or obligation.
As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX and have had no response from XXXX ; Experian ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Im XXXX years old. And I never made transactions on my XXXX  card. My nurse is helping me with my credit. Im being taken advantage off
I have repeatedly disputed this account with the collection agency, XXXX XXXX XXXX, XXXX and Experian. However, this account remains on my report as being accurate. However no one can provide proof of this debt, EOBs from insurance companies, bills, etc. I have been insured on a constant basis and I should not EVER have a medical bill with a balance this large. I get ZERO cooperation from the credit reporting agency. I do not believe I owe this collection account of {$860.00}.
On XX/XX/XXXX I contacted XXXX XXXX XXXX and inquied about a debt that 's being reported on to my personal credit report. I spoke to a XXXX XXXX, XXXX ext : XXXX and supervisor by the name of XXXX XXXX. I requested that theyprovide me with proof of debt and a legal binding contract with XXXX XXXX XXXX that I have signed. I explained that I have never signed anything document that gives them the right to report to my credit report. I even asked for them to prove that they are legally bonded in the State of  Florida to collect debt. I was told that they are not required to provide such information. They stated that they will mail out a dispute letter. All these questions were left unanswered. They kept asking how do I plan to resolve the debt. They were not helpful at all and very evasive.
Although I make payments, but not always on time I am still harassed by ally auto. I receive about 3 phone calls a day. I just made a payment 3 days ago and yet they still call me non stop. I do n't know what to do to make it stop