WillisBack/dataset-financial-user-claim huggingface dataset:
I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your  claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
XXXX and XXXX are continuing to report incorrect information on my credit report regarding a bill that has already been paid.
I have been a bank of America customer since XX/XX/2005.I opened a checking, savings and a credit card account, my issue is with the credit card account 's APR percentage, it went from10.99 % to 16.99 %. I spoke to the account manager/ account specialist about lowering the APR I was told there was no promotion available for my account they could n't do anything for me. The reason for the APR increase was the bad economy, the economy has recovered yet Bank of America refuses to lower my APR. I feel wronged ... that 's not how you treat a loyal customer!!
Early XXXX I got behind on my mortgage. I spoke with a representative about the account and was offered a payment reset. In XXXX I had difficulty making the payment on-line, which would be done at no additional charge. During the same time the company was transitioning from NationStar to XXXX XXXX. I made several phone calls attempting to make the XXXX payment. Each time I was told that if I made the payment over the phone it would cost me an additional {$20.00}. I finally got a representative that would waive the fee. I 've experienced this same issue each month since XXXX. Every time I log on to the website get a message that says " Your account is not illegible for payments. '' I spend an hour to and hour and a half trying to make my payments every month. The dedicated loan XXXX XXXX XXXX is never available to take my call. I choose the phone option to speak to a representative which loops me over and over again to XXXX 's voice mail. I eventually get a hold of a representative that is willing to help. 

In between payments I have received numerous courtesy calls from XXXX XXXX. On each call I reviewed previous payments made as well as made inquires about the status of my payment reset. Each time I was advised that a decision had not been made on the payment reset. In XXXX I was advised that Fannie Mae had a backlog which was delaying the decision on my reset. Well in XXXX after having difficulty making my payment I spoke to XXXX representatives about the payment reset. The last woman that I spoke to advised me that my account was not illegible for the payment reset because I missed the XXXX payment. This was the first time that I had heard this in the XXXX plus calls that I have had with this company. The XXXX payment was missed because I could n't make it on line. 

As of today I am still unable to make my payment on line. When I attempt to make the payment over the phone tomorrow I will get the same run around that I have been getting. 

I also do n't understand the activity that occurred on my account in XXXX. 

XXXX - Unapplied Payment = {$460.00} XXXX Monthly Payment = {$460.00} XXXX Monthly Payment= {$460.00} XXXX Payment Reversal= ( {$460.00} ) XXXX Payment= {$460.00} Why so much activity in XXXX? I 'm pretty sure the XXXX payment was made on XXXX XXXX because I was unable to make the payment on line, but I do n't understand why it was n't applied. Then I made another payment that same month, but I do n't understand the payment reversal.
Our mortgage was sold to Suntrust Mortgage. WE have had nothing but trouble with this company since the sale of the mortgage. First the company did not pay our home owners insurance and we had to call to get that fixed, then they did not pay our property tax, that required another call and being transferred from department to department to get that problem fixed. These problems are not even what my complaint is about. When I called to see what was going on with the nonpayment of my home owners and taxes, I told the person I spoke to that I was on XXXX and would only be able to make my payments around the third week of the month when I get a check. I tried to get them to waive the late fees because of this situation but they could not accommodate me. Sorry for being so long but this is my real complaint, from the first of the month to the time I make my payment I get harassing phone calls, from early am XXXX or so to evening close to XXXX. I spoke to a person from the bank about this but nothing was done. This has been going on for months. Is there anything that can be done about these calls. 
Thank You
Repeatedly contacted to collect debt but wo n't give sufficient details of creditor or matter pertaining to
I went into XXXX car dealership in XXXX Ohio to look at two vehicles. They were {$15000.00} vehicles. When I walked in my salesperson was not available like he was supposed to be, and the cars that I had an appointment to see were already sold. I explained over and over and over that the {$15000.00} was my budget and I wanted to stick to it. After being given the runaround for an hour I was told that XXXX dealership could do a SOFT PULL on my credit to see what kind of numbers they could work with. I very specifically explained that I have been through a bankruptcy recently that was discharged about a year ago and my credit is damaged and I'm working very hard to improve it so they only have permission to run my credit two times through XXXX XXXX and XXXX dealership. After the salesman and finance man sat in the office for almost another hour, they came back with a crazy payment. I said there's no possible way that would be a payment on a {$15000.00} car. I said how much did you estimate the sales price to be? They refused to tell me and they said not much more than the XXXX. After they told me I was denied by everyone I left. The next day I was informed on XXXX XXXX that the credit bureaus are now reporting between 7 and 14 HARD INQUIRIES depending on the credit Bureau from dealerships I have never heard of, lenders I have never heard of, and for a {$30000.00} loan!!!!!!! I sent both the manager as well as a representative who contacted me my complaint, frustration, and nobody will respond to me. I gave them explicit direction to not run my credit more than two times as I had this very detailed conversation with my sales person who also informed me that he went through a bankruptcy in XX/XX/2008 and knew exactly where I was coming from and he guaranteed it would not be ran more than two times. My credit score just plummeted even further because of their neglect and wrongdoing! I did not give them permission to run my credit through all of those lenders and dealerships. Especially through ones that I know I can't get a loan through to begin with because of my bankruptcy. I never would have given anyone permission to run my credit through a bank where I know I can't get a loan in the first place, let alone for an amount twice my budget!
XXXX   XXXX   XXXX  will not give me credit for equipment and payment. They continue to keep reporting that I owe them and I do n't. I paid them and returned equipment  XXXX   XXXX ,  2014
On XXXX XXXX, 2017, I noticed an inaccuracy with XXXX XXXX XXXX  My credit card statement showed a late payment XXXX 2017, which is incorrect. Upon my realization of the inaccuracy. I typed up a letter to Zales asking them to fix the inaccuracy or send me account statements with the correct address showing that my letters was going to the correct address and my payments were in fact received late. Zales have not corrected the inaccuracy, nor have they provided me information showing that my statements were received, going to the correct address, or showing my account detail information. Having this late payment for the month of XXXX  2017 is detrimental to my credit health and I would like it removed immediately. Please help me in getting this taken care of. This is not how our veterans should be treated.
This account is not mines and I have submitted many disputes on this account. i will not pay it or work with creditor. 

COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/2018 {$4000.00}
I applied for a secured credit card in XXXX of last year. I paid XXXX to get it. They declined the credit card based on a bankruptcy over a year old and on debts due to child support. I have outstanding debts for child support due to the fact that I was pregnant and could not find a job and XXXX county expected me to pay. I am going back to court on it and I have faithfully paid the child support even though I did not see my children for a year. The debt was being paid and the bankruptcy was a year old. They should not have denied me credit when it was a secured card. The only reason for the bankruptcy was my ex-husband ruining my credit by causing a prohus-perty I had for 16 years to go into foreclosure by not paying for it or putting it in his name like the court ordered. Because of this I was unable to refinance my house, given me in court and I lost it, too. I had perfect credit not seven years ago I paid an extra month 's payment on my mortgage and now I am being discriminated against. My ex husband is on probation for threatening to kill me while I have a restraining order against him. These credit problems were not my doing. I thought you could not discriminate in the State of Colorado due to domestic violence. I received the XXXX back, but I want this removed from my credit and I want a secured loan because I am responsible and have sacrificed to make sure that child support is paid. 
It will be removed anyway because XXXX of my children have left their father to live with me. They are tired of the unjust court system and tired of being beaten. 
Please help me.
My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status t o 180+  days late and my score dropped.  AES will not remove these paid off accounts and they added false info when I filed a dispute.  The same loan is also on my reports multiple times. I dont know where to turn.
The amount on the account is wrong. The amount showing is from the company charging an advance bill plus there claiming lateness. I transferred to another company with the same phone number due to the inconsistencies ' in the amount. The company offered me a settlement but, XXXX they should put the correct amount owed then add on a settlement. The fees and taxes all high then I am suppose to pay on an amount that is n't correct. 

Last Reported XX/XX/XXXXCreditor Name XXXXAccount Type Telecommunications / CellularAccount Status Closed - DerogatoryOpened Date XX/XX/XXXXClosed Date XX/XX/XXXXMonthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status Collection/Charge-OffAmount Past Due $ XXXXTimes XXXX Days Late XXXX Collection AccountPlaced for collectionPayment HistoryNo payment history has been reported by this creditor. 
Creditor Contact DetailsXXXX XXXX - XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
On XX/XX/2018, Federal Judge for the XXXX  District of South Florida XXXX XXXX. XXXX reopened the Bankruptcy case no. XXXX. The order was furnished to Select Portfolio via email to XXXX on the same day. We also spoke with servicer 's representative to confirmed receipt of Judge order and to discuss the sale date for XX/XX/2018. 

Because the Bankruptcy case was reopened the foreclosure action including the sale date must be canceled and the action must be placed on " inactive status ''. Select portfolio stated that they were aware of the case reopened because they have a system called PACER. 

Although the servicer had knowledge to the bankruptcy stay order they failed to cancelled sale date for XX/XX/2018 and place the foreclosure case in inactive status. The servicer 's action is a violation of Bankruptcy code 11U.S. Code 362 -Automatic Stay. 

The servicer has disregard for Federal Rules and also has engaged in Unfair business Practices. Cuurently we are being reviewed for a loan modification. The servicer continues to request documents over and over again just to get closer to the sale date. SPS continues to be deceiving in connection with the loan modification review. When we satisfy all loan documents requirements, SPS would communicate that no other information is needed and that underwriting will have a determination within 30 days. Instead of making decision, SPS will request document all over again and start at new. SPS has been playing this game for a while. There only objected has been to get closer to the sale date.

At this juncture we request for sanctions. SPS has violated Bankruptcy code 11 U.S. Code 362 and continues to deceived us in connection with the loan modification request and process. Sanctions are appropriate.
On XXXX I had seen an add in the XXXX XXXX newspaper in reference to a car for sale. The add read the following. XXXX XXXX for {$3800.00}. I had called and texted the seller and responded with an email. XXXX XXXX. XXXX XXXX. He sent me the pictures and could set it up with the XXXX and XXXX XXXX XXXX. The first amount due was {$1000.00}. Cash deposit through Chase Bank. XXXX XXXX at XXXX XXXX. The account name received was XXXX Account # XXXX. XXXX XXXX from the XXXX and XXXX XXXX contacted XXXX XXXX saying it was all approved to be delivered to XXXX area. The following day XXXX XXXX the vehicle did not arrive. Was to be delivered between XXXX am to XXXX XXXX on the XXXX. XXXX called back and needed more money. He said that the vehicle was selling lower than it was valued at. He said he needed another deposit of {$900.00}. XXXX XXXX made a deposit XXXX XXXX at XXXX XXXX to the same account and same name for {$900.00}. The vehicle was to arrive on Friday XXXX XXXX between XXXX XXXX to XXXX XXXX. No vehicle arrived. Tried to contact seller the phone number has been disconnected. Tried to contact XXXX on many occasions. With no luck. XXXX XXXX contacted Chase Bank on Sat. XXXX XXXX and was told his bank account was safe. Monday XXXX XXXX he had made a police report for fraud. XXXX XXXX - Report # XXXX. Spoke with XXXX XXXX XXXX. After the police report was filed, XXXX XXXX returned to Chase Bank. They tried to contact XXXX because it was a Chase account and Chase had gotten the run around. Chase said that they could not do anything about this due to it was a cash deposit and not a credit card. XXXX has been a customer of Chase Bank for a while. A family member had suggested that we contact the XXXX. Chase Bank through there customer service and security should of taken care of this issue. XXXX XXXX - XXXX at Chase Bank spoke with XXXX XXXX on XXXX XXXX that he should file a complaint to this website. This has been a very upsetting situation and was hoping for more assistance and help with Chase Bank. I hope this can be resolved and I could receive some sort of compensation. Thank you and looking forward to hearing from someone.
I was informed in a bank email dated XX/XX/XXXX ( attached ), that proof of cash to close was necessary 30 days prior to closing. I informed the bank, in my letter dated XX/XX/XXXX ( attached ), I would provide proof of cash to close 30 days prior to closing and authorized them to proceed with an appraisal. Three weeks later on XX/XX/XXXX ( attached ), three months prior to the closing date of XX/XX/XXXX, the bank informed me I had ten days to prove proof of cash available for closing. If I could have complied with the 10-day notice, it would have cost me extra thousands of dollars I otherwise would have not incurred. Due to the extremely short notice, I requested flexibility in my email dated XX/XX/XXXX ( attached ), and heard nothing from the bank. On XX/XX/XXXX ( attached ), I requested the bank to review my letter of XX/XX/XXXX, cancel the application, and do not charge me for the appraisal. On XX/XX/XXXX the bank refused to refund the cost of the appraisal. The bank was uncooperative, arrogant, and wrong.
On   XXXX   XXXX   XXXX     at approximately  XXXX  I called Navient customer service to inquire why my account was showing a past due balance and all payments have been made. I 'm on an income-based repayment program and based on a letter I received dated   XXXX     my current plan is effective through   XXXX     and my renewal of plan was approved. Customer Service Representative  XXXX  (  XXXX  ) reviewed account and provided misinformation, stating my plan expired in  XXXX . I read contents of letter and continued to receive misinformation, then requesting to speak to a supervisor. I was on hold for excess  of 40 m inutes, intermittently told that no supervisor was available and that same customer service rep continued to talk and place me on hold. After insisting I was finally transferred to a Supervisor  XXXX   (   XXXX   ) wh o informed that my plan expired and I had a higher payment for  XXXX , despite the letter I received indicated my plan was effective through  X/XX/2017   . The call continued with no resolve.
I have asked for but have not received any sort of statement showing what I owe and to whom. I have also asked that they not call me at work but yet they continue to do so. I even provided them with my cell phone number instead. 

I have offered to submit money to this account on a monthly basis once I receive documentation of the outstanding bill. They refused to accept any sort of payment unless it was {$250.00} or more a month.
First National Bank of Omaha 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.
Yes early this morning got a call from my mom telling me that i had a XXXX out for my arrest. So she gave me the number XXXX and i proceeded to call. I talk to a representative to see if i could resolve my status in my debt she told me i owed {$750.00} and they said they needed me to pay {$250.00} right now to get my account back to active for my payments and i told her i could n't pay {$250.00} now. I could pay them {$50.00} a week since i get paid e very week so she told me no. And said that if i needed to get a lawyer because they are taking me to court. So i just called XXXX minutes ago. And i talked to a person of XXXX XXXX and i told him how they was threatening my mom about me having a warrant and i could only pay {$50.00} week when they wanted me to pay {$250.00}. So he said well could you pay {$75.00} a week i told him no i could do {$50.00} a week. So he transferred me to a lady name XXXX XXXX and i proceed to tell her the exact same thing as i told XXXX and XXXX XXXX asked me could i do {$100.00} and i told her no because i only get {$100.00} a week on my paycheck so XXXX XXXX proceeds to mock me saying where do i work i told her XXXX XXXX XXXX she said well it says right here u get paid {$10.00} a hr and i told her i been there XXXX years and i do n't get paid that much. So then XXXX XXXX proceeds to ask me do you stay with your mom do you have XXXX etc. and i told her i can only pay them {$50.00}. a week. She pauses and says XXXX XXXX lets get this clear how do you live off of {$100.00} a week and i told her XXXX is good. Then she says if we ca n't take the {$50.00} a week we need the {$100.00} and if we do that that 's gon na be all your money. So i said so you 'll cant help me out she said no. and i said ok and bye and hung up the phone. I do n't like how she tried to make a mock of me about my finances. The only thing i was trying to do was too make a payment with them.
I deposited {$1800.00} from my husband 's account into my daughter 's Regions Bank account ( she is away at college ). They placed a hold on my deposit for 9 days because " they have confidential information that the item may not be paid. '' I nor my husband have ever written a bad check and we are almost XXXX. I would like to know what confidential information they have that it wo n't be paid. The {$1800.00} cleared my husband 's bank account the very next day. It is not right for them to get exclusive use of my money for no valid reason.
I added my cousin as an authorized user to my Wells Fargo credit card back in XX/XX/XXXX and wells Fargo is not reporting to his credit report.
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX