WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX customer service told me my mortgage payments were current and I did not have to pay the XXXX XXXX payment because I had done a loan modification and the loan was current. The payments are {$840.00} each. But they require that the payments be sent by XXXX XXXX because the payments can not be paid online at their site. That 's another {$16.00}. The total payment is $ XXXX/mo. I was current until they said I did n't have to pay the XXXX Payment. I paid the XXXX payment today and went online to check the amount and it says I owe for XXXX and XXXX. I sent the XXXX payment via XXXX XXXX as usual for the XXXX Payment. I called and they said I owe both months {$1700.00}. The customer service people who told me I did n't have to pay I questioned and she put her supervisor on the line too. He said the same thing, the loan was current. That call was on XXXX/XXXX/XXXX. I called yesterday and the customer service rep I spoke too said they should not have told me that and that they had mislead ( lied ) to me and she had notes in the file that they did in fact tell me that and that all their calls are recorded. She said she would get back to me because she wanted her supervisor to review the phone recording and ask me if that was ok. I am praying its not the same supervisor that lied before. I checked today and there is a class action lawsuit filed against this company in Colorado where they are located and multiple other complaints. I am sacred that I might loose my home and have been sick and XXXX XXXX last year. It would be impossible for me to move now. But based on their information my loan is current and has been since the modification last XXXX XXXX. But I think they tried and are still trying to file foreclosure on my home. The last one cost me {$13000.00} on top of my mortgage and I received a new loan modification package from them yesterday. I did not ask for a modification. My loan is current except for their trickery about the XXXX XXXX payment. I 'm worried since my credit is bad because of my illness last year and to refinance would be difficult for me because I 'm self employed. And when I requested a payoff statement from them or even payment coupons they would not give them to me. The loan officer I went too said to get another loan I had to have a payoff statement. They will not give me one. I 'm trapped and they are going to steal my home. 
Sincerely, XXXX XXXX XXXX
I took out a loan and was told that there was no pre-pay penalty, the loan was for {$2600.00} at a rate of about 184 %, I paid near ly two thousand in one m onth and instead of them taking the face value, they took off the back end of the loan, charging me still  $  XXXX +  a month, when I should have been charged the interest on the remaining amount. The loan wash from CashnetUsa. Help me.
I have been using Western union for 3 years to help my family financially in XXXX. So far, I have n't had any problems, but unfortunately when the problem came it came big. I sent XXXX dollars to my sister yesterday ( X/XX/2018 ), the money was to pay for my mom 's utilities. This morning my sister went to the bank to get the money, same bank she always does, then she called me saying she was at the bank and they told her that the operator was telling her that the transaction was canceled by me. they gave her a receipt showing the status. I checked in my WU account and showed her that the transaction was not canceled. She showed the bank operator and he said : while the status is as canceled here i can not do anything. There is one thing really important to know about WU system, once the bank operator types the tracking number to check anything, the system automatic sends me an email saying that the money was picked up by the receiver and also registers it as delivered, but the money actually was n't delivered. So when I called WU to tell them what happened and ask for help they told me the money was delivered. I said that was n't, explained everything to them and now they want to open an investigation that will take 20 days. Super Fair huh, my mom does n't get the money, i do n't get the money back, but instead they keep the money. I am super frustrated with the situation, last month i sent a total of XXXX XXXX XXXXo XXXX, imagine if this has happened? I just ca n't trust them anymore. One of the girl on the phone told me that the money was picked up in a XXXX, that is in a state that I do n't know anyone there. so was fraud, I asked her and she refused to give me information. So I would like to end saying that : 1- their operators speak terrible English, I literally cried on the phone because I just could n't understand what they were saying and they refused to get someone on the line that could speak the language. 2- They need to change their system, what kind of system that complete the transaction registering that the money was delivered when it was n't? When they bank types the tracking order, he is just checking what is in there and not delivering the money, after entering the tracking number then comes the questions to know if the person is there trying to get the money is the real one, then he needs to check the status of the money, if it is already available etc ... They have to fix that and get the system only register the delivery when the receiver has the money in hand.
Requesting Equifax, XXXX XXXX, and XXXX to stop reporting incorrect information on my credt report!
On XX/XX/XXXX 2017 I became aware that my card number had been used by someone other then me to make reservations and for some XXXX that I never heard of so Immediately I called to lock my account I had just put {$400.00} o the card earlier that day for some things I had planned to get for my children for school. I checked my account before I went to bed like I do every night to discover my balance was lower then excepted I placed a call to american Express Serve. in all I think It was like 12 unauthorized charges to my account. That 's a XXXX dollars that I could n't get back and I need my money. I discovered them on X/XX/2017 XXXX for 11 charges to XXXX and 1 charge to travel reservations. I sold my truck deposited my money on to my serve card the same day.
Thank you for taking the time to review this comment. 

My name is XXXX and I am writing a correspondence to make a formal complaint against Financial Asset Management Systems. I have been called 3 times daily on a consistent basis. On the occasions I have answered the calls I was immediately asked to verify my social and full name.

I simply responded " Before I give away my personal information I would like a formal letter in the name verifying your business and the debt to be collected. '' I was then transferred to a manager who said they had sent me a letter. I have yet to receive a single peace of paper correspondence from Financial Asset Management Systems. 

These practices are not only unprofessional, but a clear violation of my rights under the FDCPA.
The Credit Card Company did not do a investigation but only did a rubber stamp of questionable statements. FCRA says 7 years from the " first default '' which means when I could not use the account. Which for many of these accounts was a lot earlier than there so called write offs. If you ca n't use the company 's services, like cashing a check, using the lobby, for all intents and purposes you account is closed and in collection. These organizations tend to add a 5 to 7 year extra space of deliquency saying its open but you owe and are deliquent aka default. I have ask for them to look at the additional evidence of account activity to show whether the account was active. that was ignored. This is not an investigation especially since its not an impartial agency or has investigators with adequate training.
On XXXX XXXX, 2017, I went to purchase a car and had my preapproval from XXXX XXXX. I ended up not getting anything because the car I came to the lot for they was unable to find. It somehow was driven to a different lot. However, they I see XXXX XXXX submitted my credit and ran it thru numerous companies which I did not authorize as I had my preapproval paper work and did n't get to use it due to the car not being there. A company named XXXX out of XXXX XXXX, Ca ran my credit, XXXX aka XXXX XXXX XXXX XXXX, Tn GM Financial, XXXX XXXX, XXXX XXXX. None was authorized at all
I received a note from my administrative assistant stating that their firm Performant had attempted to contact me multiple times and needed me to call them back. When I called them back it was confirmed that I have NO account with them and they asked for contact information on someone I know.
I have requested assistance about this in the past. But now things havechanged. My brother bought the house owned by my mother. It wasfinanced for fair market value, @ {$77000.00}, at a local bank. We put life and XXXXinsurance on it. Chase Bank came along, re-apprised the house internallyfor {$200000.00} dollars. This, based on my Inquiries with other banks andreal estate agents was totally incorrect. The result, he refinanced, lost theinsurance, became XXXX, paid XXXX in payments, is nowdeceased and the family will lose the house. If Chase had never overvalued the house back in @ 2005, my brother would have left things asthey were. The money he paid Chase could have gone toward betterhealth care for him.
I have been a customer with Drive Time car company since XX/XX/2014. I have made my payment faithfully every two weeks. We just moved and are struggling to find a job but I have been taking my child support to pay the payments. In my lease as you will see it has a late payment clause for after 10 days late they will charge XXXX ( see image ). My payment was 4 days late and they repo'ed my car, leaving me with a XXXX price tag to get it back. When I called to ask about the lease agreement clause, they said 1 day late is late and they can repo my car. So what is the 10 days about then? I was advised that it should not be on my lease. No where in my lease does it say this is a ( 0 ) day grace period lease. I had made the payment ( I guess minus XXXX dollars they later said I owed ) 4 hours before my car was towed, the lady on the phone said I did a payment on their website so they refused it and I needed to go to XXXX! When she hung up my payment was returned. Three phone calls later and three different stories I guess that contradicting ( 10 ) day period is not available and you have 0 days. This is a contradiction of the lease agreement. I would of paid the XXXX dollars had I known that it would of been the reason for my repo after only 4 days. I also had a friend go to Drive Time over a year ago for the XXXX credit for my referral, NEVER got it! The way I look at it you made way more than XXXX dollars off another sale because I pitched the sale for you.
When I was moving from XXXX to XXXX, I packed up the XXXX boxes, Once I moved in my new house, I called them and they sent me boxes to return the equipment. They received the equipment and never removed this from my credit report. They have used several agencies to collect money from me when I sent back all of their equipment. This is fraud and no one would listen to me.
In XXXX, I agreed to a loan modification with BAC that required both trial payments and a long term 40 years mortgage. As part of the loan modification, I agreed to a balloon payment in excess of {$100000.00} that created a negative equity at my owner occupied residence. Another serious issue is that my credit is adversely affected by the negative equity caused by a 40 year mortgage with a $ XXXX balloon payment. 
I was recently denied assistance by Keep Your Home California program on the basis of a recent denial by BAC that I believe to be random, punitive and arbitrary. 
My complaints are as follows : 1. I was never provided any disclosure prior to executing a loan modification with BAC that a 40 year mortgage with a $ XXXX balloon payment would severely damage my credit for 40 years on the basis that I am ( and will continue to be ) underwater with negative equity. 
2. I was randomly denied a second loan modification and principal loan reduction after I provided my account representative, XXXX XXXX ( Customer Service MGR XXXX ) with an updated Profit and Loss that met the criteria by both BAC and California 3. On XXXX XXXX, XXXX I was instructed by XXXX XXXX to remove a cease and desist letter from my file and after I informed her that no such letter existed, she became rude, unprofessional and closed my file. 
4. After XXXX XXXX at BAC closed my file for mortgage assistance, including, but not limited to loan modification file, I was immediately informed by XXXX XXXX from Keep Your Home California " bad news that BAC had closed my file, refused to participate in her program to lower the loan principal '' and that XXXX XXXX could not give a reason and that she was also surprised, she also indicated that most of the time she has good news but not in this instance ''. 
5. On the basis of my negative equity I am being harassed by short sale agents.
The XXXX XXXX  XXXX loan with XXXX is improperly stating that I was late 119 days. I produced a letter showing the payment deferment status. The credit bureaus continue to improperly report which caused a 68 point drop in XXXX. I am seeking to apply for a new car loan and with the current status I am unable to get approved due to the 68 point drop. I emailed and faxed the letter showing payment status for the time frame that the XXXX XXXX, Equifax, and XXXX  show as being late 119 days. Please help!!!!
You have refused to answer any of the questions. The letter that you received from my wife was from a nasty divorce. Even in the letter which has been subpoenaed from XXXX it admits that her son made the charges. This is against the American Ex press terms. Only people on the card can use it. So everything youve listed isnt correct. 

1. This was fraud. You have not shown me any receipt s that indicate its not fraud.

2. The letter was a year after the case was closed. I was refunded the fraud which you investigated yourself. 

3. I have not made any charges since XXXX 2016. 
4. My wife and I are going through a nasty divorce and she collected half of the refund for the fraud. Knowing the card account is in my name why else would she do this a year later. 
5. Show me proof of all the receipts and signatures. 

6. Youve not answered one question Ive asked from you when this was submitted. 
7. The numbers are all wrong. I was refunded XXXX. You said I owed XXXX and now its XXXX. 

8. My lawyer has subpoenaed the documentation and youre leav8ng me with no choice but to sue for damages. 

9. Respond to one question. FTC clearly states you have 2 billing cycles or 90 days. Answer how this was handled within that time period. 

I want your response to be give to a supervisor because Im XXXX and on the phone you threatened me to ruin my credit if I didnt pay. I fall under the Americans with XXXX act and you know that and thats why youre doing this to me. 



My requested resolutions are as follows -- 1 ) In accordance with the FTC, you have two billing cycles or ninety days, whichever comes sooner, to remove the fraud from my account ending XXXX. You did this and then you turned around nearly a year later and charge me back for a supposedly RESOLVED case because of a letter from my soon to be ex-wife stating now that the charges were valid all because I believe it is due to a nasty divorce situation. 
2 ) I want my account resolved to a {$0.00} balance 3 ) I want the credit reporting agencies that you reported negative information to, to be CORRECTED stating there is no debt on my account and that there is a {$0.00} balance, and have paid as agreed.
Experian make wrong record in my report, I have disputed them, but they dont give me proper investigation XXXX - # XXXX : XXXX XXXX mistakenly taken me out of the deferment and reported me as XXXX late for over 121 days.
Discover Card has been reporting an account that I'm listed on as an " Authorized User '' as being CLOSED/TERMINATED yet the account is " OPEN '' and this is in error. The Primary Cardholder has on several occasions communicated with them that this is in error.
The Russell Collection Agency is reporting a collections account that has been included in my bankruptcy. They have two accounts on my credit reports : {$90.00} Opened XX/XX/2018 ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX  Closed No Info You could dispute an error with XXXX  SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$29.00} Highest Balance {$29.00} Opened XX/XX/2018 ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX  Closed No Info You could dispute an error with XXXX  SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
American First Finance offered a 90 day same as cash term. I paid the account in fill within those terms. The account was then closed the same day I paid the balance off without my knowledge which caused a MAJOR decrease in my XXXX credit score dropping it 28 points.
I currently have a credit card with Citibank and on it I have a balance transfer and other purchases aside from that. I was under the assumption that the balances shown on the statements were my full balances. I tried to pay my bill so I would not have interest on the other purchases by paying over that amount. However, the next month there was still a balance in other purchases. Looking into the fine print revealed to me that these numbers were not actually my full balances but daily average balances. Therefore, I did not know what each balance was until I actually got in contact with Citibank. I find this to be a very deceptive way of communicating what is owed on an account, since you actually have to reach out to the company month-by-month in order to get your full balance. I had made contact with Citibank but the CSRs were not able to bring my complaint to where it needed to go in order to facilitate a change in policy.
First let me mention we have been using Bank of America credit cards for ten years and have never missed or been late with a payment. Recently we were offered new cash back cards. I cards in the mail arrived promptly as well as an email telling me that the was a {$6500.00} made to the XXXX in Arizonan, I contacted the fraud department, they investigated and canceled the new cards, When I new I was getting new cards I paid off the original old card {$2600.00}. I checked my statement online and found they had taken the payment out of my checking account twice, They said the would reverse the double payment and return the amount off {$2600.00} ASAP. This left us with {$410.00} in checking to pay our monthly bills. Note were on Social Security with small pensions. 
We contacted BOA several time going for teller to manager to department heads. We were told over and over again that it would take 5 to 7 business days to return the money to our account. I asked the managers at BOA if they were going to be responsible for any late charges because they had drained my checking account by withdrawing, they said no. 
I am very disappointed with BOA, they made the mistake and we have to suffer for it. 
What can I do to get my money back before it effects my other financial commitments?
I opened a Bank of America checking account XXXX XXXX with a promotional offer of earn {$300.00} after direct deposits totaling {$4000.00}. I directed by tax refund and employer direct deposit into the account during the promotional period totaling over {$4000.00}. 

I called in a few months after and a BofA representative assured me that all the requirements were met and that I simply had to wait for the bonus to be deposited to my account. 

In XXXX XXXX I had still not received the bonus so I called in, at which point BofA XXXX informed me that I was denied the bonus due to my tax refund not being considered a direct deposit. There was nothing in the fine print that excluded the tax refund from qualifying.
I have 2 collection accounts from the same company XXXX XXXX reporting to 2 different collection agencies with 2 different amounts on all 3- credit reports. One is for {$810.00} which was removed during a previous dispute and one for {$730.00}. I would like them removed for inaccurately posting I formation to my credit reports.
The Bank of America XXXX pay language is very misleading. When choosing how to pay your credit card it gives you multiple options, one option is " Amount Due '' which you would think would mean the amount you spent that month but it actually means the minimum amount. If you want to pay the amount actually due on your credit card bill you have to choose " Pay Balance '' which is confusing because this language differs from most other credit card companies. I find this wording particularly confusing. I have spoken with multiple people about this and many have had similar experiences and incurred extra fees as a result.
After going through repeated phone calls and asking them to stop. They are still call my house phone as well as my wife cell number. This issue is causing great dismay with my family. I keep telling them our situation has not changed and the time we are using to make it work is being blocked by the repeated calls ( harassing ).