WillisBack/dataset-financial-user-claim huggingface dataset:
I will commission into the XXXX XXXX XXXX XXXX in XXXX of 2016. I currently owe more than my home is worth and contacted my servicer about the possibility of a short sale or deed-in-lieu so that I can move to XXXX XXXX XXXX when I go on XXXX. I was told that I had to submit the paperwork for a modification even though a modification will not help my situation. Supposedly I was approved for a modification that will reduce my payment by {$22.00} a month. This does not address my issue, since I am current on my mortgage and have excellent credit. The issue is not the payment, but the fact that I have to move in order to serve my country and can not sell my house due to the decline in the real estate market. Because of my credit and that this is an FHA loan my servicer is telling me that the only way I can get out of it is default on the loan and let it start the foreclosure process in order to be approved for a short sale or deed-in-lieu. The only reason that I am trying to get rid of my house is because I am moving as a result of service in the military. I would like to keep my credit score as high as possible, because I need approval to rent in XXXX. I can not afford to pay rent in XXXX and mortgage in XXXX for a house I no longer live in.
Bank of America made an inaccurate assumption regarding one bank item on my account. Without allowing me to rectify the situation or even allowing me due process they reported me to XXXX and has refused to accept payment on to clear up the overdraft three times. I attempted to pay for this item THREE times in person at a bank branch and each time I was made to wait for at least XXXX minutes to an hour while the branch person called people at different offices and each time the payment was refused. worst of all I was told that even with the payment they refuse to reopen my account. This was the only time I had a problem with the account. In addition the last time I arrived with cash to a branch to pay for the item, they added {$59.00} dollars for a service that they did not, nor could they provide a specific explanation as to service they had provided, they just knew that I owed it and it was in the system. Furthermore I was severely criticized by a number of B of A employees for taking such a long time to clear up the matter. And they continued to refuse to accept a cash payment from me or sell me a cashiers check for the cash to clear up the matter. 
The Desired resolutions is I that I humbly ask for Bank of America to forgive my error accept my payment for the bad item and reopen my account. More important I humbly request that they remove the inaccurate report about my account to XXXX. I did make an error in filling out a check but I was in no way intentionally attempting to commit fraud. I stated this numerous times and I attempted to take care of this initially when I discovered that I made a mistake on my entry and the check that I provided. Unfortunately B of A refuses to accept my explanation or my money. It seems they just want to ruin my financial life. The information they are reporting is so inaccurate and so far from my character that I wo n't repeat what they are saying.
I have never been contacted by the company claiming the debt and I have never requested or contracted any services from them. I saw them on my Credit report and they have never attempted to contact me and will not respond to my demands for proof of debt.
I setup automatic payment for my Credit Card from Wells Fargo. I setup the automatic payment three times once when I activated the Credit Card, second time on XX/XX/2018, and third time on XX/XX/2018. 

Twice, Wells Fargo has failed to process the payment by due date and has assessed the late fee. The first time was {$27.00}, which after several conversations with supervisors and managers resulted in the reversal. 

The second time a late fee of {$37.00} was assessed on XX/XX/2018 by Wells Fargo and despite admitting that error is on their part, still refuses to reverse the charge. 

This is not to mention that the card has 0 % interest offer. Which is why I opted to transfer balance on to the card. 

Wells Fargo also did not give me information on whether the 0 % offer is still intact.
Hello, Last year around XXXX I requested a due date change. The first attempt was unsuccessful, and prior to the second attempt Toyota asked that I bring my account current, so I did. A Toyota representative said the due date was completed, so I started making my payments accordingly. It was n't until mid 2016 I saw that I had 3 late payment markers. I immediately called Toyota and their resolution specialist walked me through every payment from the beginning. We found out that Toyota failed to mention that the due date change did n't take effect. So I wrote Toyota twice. They denied me twice. Toyota does n't have a number to call to talk about your claim. I 've tried explaining what happen in a letter and again they denied me twice. And because they did n't tell me the due date change did n't take effect, I do n't have access to their personal information.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Was approved for a XXXX credit line of {$1000.00} on XXXX XXXX, 2016. The moment I requested the full {$1000.00}, I was assessed a 15 % fee or {$150.00}. I was unable to make the payments of more than {$230.00} every 2 weeks as I thought there would be much smaller monthly payments - not payments of nearly 1/4 of what I borrowed every 2 weeks. That 's what I get for not carefully reading the fine print. Interest was compounding daily on the original principle and I received statements every 2 weeks with interest in the amount of more than {$100.00} each time. By the time I came up with the money to pay off the credit line, exactly XXXX days from the date I received the loan, fees and interest had driven the amount owed to {$1400.00}. That 's more than 42 % return for allowing me to use {$1000.00} for 55 days. Beware! Read the fine print! Stay away from pay day loans.
Hi, I was contacted by phone on XX/XX/XXXX and was told by an agent of XXXX XXXX ( XXXX Texas ) that I owed in excess of {$22000.00} as a result of a debt from a Chase credit card before XX/XX/XXXX. He said that if I did n't pay they would file a XXXX. He said he did n't have to send me written information and when I refused to accept this debt he said " enjoy the IRS '' and hung up. I called back a couple of times and they said they did n't have to write me with the information about the debt and hung up on me. I sent a certified mail return receipt letter ( XXXX ) of dispute on XX/XX/XXXX to the P0 box indicated on their website. I see the letter was not picked up and is being returned now. I sent 3 more letters today ( XX/XX/XXXX ) -- XXXX XXXX to their street address, a certified-only to their street address and one certified-only to the PO box address. I informed them in the letter that all my debts were discharged by Title XXXX bankruptcy XX/XX/XXXX, I have had no collection activity in the last 10 years, and there are no negative records on my credit reports that could be confused with a debt like this. I have not changed my address in the last 10 years so that could not cause confusion. I am concerned that they will try to create a paper trail or a basis to revive a non-existent or discharged debt and use the IRS XXXX to the same end. Please help.
Hello, On XX/XX/2017 I was notified that Equifax was breached and that the data of over 125 million Americans were made available.
I used the tools provided at https : //www.equifaxsecurity2017.comXXXX and found that I was indeed included in this breach.
As part of Equifax 's compensation for this, they are offering a year of their XXXX XXXX for free. However, in the Terms of Service for this product, I must agree to an arbitration clause. I will not subscribe to their service due to the arbitration clause. Additionally, I find only a year of coverage to be insulting. I believe 5 years should be the absolute minimum considering the scale of the breach.
As a Information Security professional, I decided to look into how this data was breached and found this article : XXXX XXXX XXXX.
If the contents are true, and Equifax did not patch a known vulnerability, they should be penalized to the fullest extent of the law. This borders on criminal levels of negligence and is usually the result of a poorly funded and staffed information security department as well as falsified audits for PCI compliance.
A recent credit inquiry has brought to my attention that Portfolio Recovery Associates is reporting to the credit reporting agencies an account to which they claim I owe. 

I have reached out to Portfolio Recovery Associates on several occasions to gather more information and have not been successful in getting a response form them. I have sent Certified Letters through the United Stated Post office and have confirmed they were received by them. Yet they have failed to respond in a timely manner. 

I have also disputed the account with the credit reporting agency and Portfolio has verified them without provided proper verification. 

Further more the reporting they are submitting monthly violates laws by reporting as an open account. They are also reporting as a factoring company account. 

I am demanding that Portfolio submit an immediate deletion of this account request to XXXX, XXXX and XXXX.
This is another bureau for which, when I attempt to use XXXX to get my free annual credit report as mandated by law, their website shunts and orders me to send in a mail form and has done so in the past.
ON XX/XX/2018 PORTFOLIO RECOVERY ASSOCIATES RESPONDED TO CONSUMER FINANCIAL PROTECTION BUREAU CLAIM # XXXX. 

ON THE COLLECTION OF XXXX/XXXX. THEY STATED TO YOUR DEPARTMENT, PER THEIR RESPONCE THAT THEY REQUESTED TO ALL CREDIT BUREAUS THAT THE COLLECTION BE DELETED. HOWEVER THEY HAVE NOW REPORTED THE SAME COLLECTION WITH A DIFFERENT ACCOUNT NUMBER TO XXXX. 

XXXX IS REPORTING THIS DERROGETORRY ACCOUNT UNDER THIS ACCOUNT NUMBER. ( XXXX/XXXX PARTIAL ACCT # XXXX. ) IT IS IMPERATIVE THAT PORTFOLIO RECOVERY ASSOCIATES DELETES THIS NEW ACCOUNT, AS IT IS THE SAME COLLECTION THAT REPORTED TO THE C.F.P.B THAT THE COLLECTION WAS TO BE DELETED. 


PORTFOLIO RECOVERY ASSOCIATED HAS DAMAGED MY CREDIT WORTHYNESS, AND THE C.F.P.B SHOULD PROSECUTE THESE PEOPLE FOR MISLEADING AND PROVIDING FALSE INFORMATION THE A FEDERAL AGENCY.
I want to pay my student loans back, however, the payment that they are asking me to pay is very high. I will not be able to eat ; I have to have a car to get to work in order to pay them. 
Also I have student loans for my children, whom I helped to get a higher education.
I signed up for a Citigold checking account after receiving a promotion offer for XXXX XXXX XXXX miles. I met the requirements of the promotion and sent a message to Citi to verify that the requirements have been met and the miles will post. Citi replied that the requirements were met and I should expect the points by XX/XX/XXXX. When the miles did n't post I contacted Citi again and was told they do n't see that I was targeted for the promotion and will not receive the miles. I tried explaining to them that I have the message from them showing that I met the requirements and promising the points will post but they are not willing to honor their offer.
I inherited my mother 's home as her sole heir through her recorded Will when she died XX/XX/XXXX. The home has a loan through Ocwen Loan Servicing/XXXX XXXX XXXX XXXX that originated XX/XX/XXXX. In XX/XX/XXXX, while I was residing at the property, the loan fell behind due to the financial strain of the circumstances and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I attempted to assume the mortgage through a family transfer package with plans to follow with a modification application to address the arrearage per Ocwens ' council. All 3 transfer attempts were denied, per Ocwen, due to the lack of my possession of the property deed. In XX/XX/XXXX, I again applied for a family transfer based on my inherited rights and at the encouragement of Ocwen and was denied due to not residing in the property at the time of the application. In addition, I was made aware that despite my inherited interest in the property and payment of the monthly contract amount I was not eligible for family transfer. Specifically, if transfer occurred while I was not residing in the property or if said property was rented for 3 years or more, the mortgage would be due and payable. I have been making mortgage payments as agreed with Ocwen however I am now barred from title and ownership because I reside in Maryland to work as a XXXX  XXXX on XXXX XXXX XXXX. I asked for an alternative resolution and was not provided with any options.
XXXX = XXXX did an unauthorized hard credit check when i did not apply for a credit card. This caused a drop in my credit rating. I am notifying Transunion and XXXX but have been told that they will not remove it. I believe that this is totally unfair and illegal and they should fix my credit rating.
In 2012 I moved from XXXX to the XXXX. I informed XXXX gym 30 days prior to moving that I wanted to cancel my membership due to the fact that in the area where I was moving to there were no gym facilities XXXX within a XXXX mile radius. I also followed up with a telephone call to the club and a visit and they assured me it would be taken care of. This past week I received a letter from an attorney, XXXX XXXX XXXX representing United Debt Holding ( XXXX gym ) claiming I owe {$810.00} and it must be paid immediately.
On XX/XX/2018 I spoke to XXXX in the Executive Office. She assured me that my debit card would be expedited and I would receive it today. What she failed to mention was the card would be sent through XXXX  XXXX and requires a signature. I called the bank to see why I wasn't given the proper information and was met with excuses.The representative from the executive office stuck up for XXXX and told me I should have known that a signature was required. She made it seem as if XXXXXXXX XXXX   behavior was warranted and I had no right to question her. This is my third complaint against this bank. The employees in the Executive Office are familiar with me because I make numerous complaints against the bank. I believe that I am being retaliated against because I make complaints. This is a tool utilized by the employees in the executive office to harm me.
We have tried numerous times to work with Ocwen Loan servicing and they have been stringing us a long for years saying that they would do a loan modification and we did 2 or 3 times trial payment just to either come back and reduce it by XXXX they are just playing games with consumers. After dealing with this and the frustration we ran into a company that specialized in forensic audits in mortgages and they found that Ocwen has done fraud our mortgage and do n't even have the original note. How is it that the judges allow bank like Ocwen to come and hurt and mislead and cause bank to foreclose on home owners that are only really trying to get help in making payments because of a hardship they have been going through instead they take advantage of the situation and have no consideration nor any intent to help.
XXXX  this is my previous complaint and i received a response however it does not seem correct still. my question is do you verify what they are responding. per there response my balance is going down. really by balance is  XXXX  when it started it was  XXXX  they stated something about fees and interest. after each payment they still say unpaid interest. i am always behind on interest why? i never miss a payment. and i never had any lapse in payment. no deferrements. Is someone watching them? is someone looking over my payment history with interest and fees. was my account really researched?, I need help and i need a partial party to verify this. can i get help..   and on a side note in there response they through by brother in. i have explained to them by brother has had a  XXXX   XXXX  a  XXXX  and is   XXXX   XXXX  . my elderly parents care for him. they do not care!!! they continue to pursue him. by brother did not finish school and as i told them on several occasions i signed for  XXXX  student loan. only  XXXX  the second one was signed by the school loa n officer w ithout my knowledge. because i was told on my original appointment. i was assured that i only had to sign for  XXXX  and that my brother would be able to get any other loans with then on his own
As XXXX of the XXXX Million affected by the Equifax data breach, I followed the announced protocol to inform and obtain the monitoring services that were offered. Instead, after beginning the enrollment process and being told that I would have to wait up to 2 days to receive my email since they were under such a backlog, the first email I received was a solicitation to purchase XXXX, XXXX and Equifax services that were an additional paid service. 

All this seems like, is another effort to jam the consumer with another annual paid service as opposed to actually fixing the problem. 

Your organization 's charge, as the supposed " watchdog '' for the consumer, requires the monitoring of these ineffective business processes. Since they can not be trusted with the awesome requirements of protecting our personal information they should not be allowed to do so. Even the IRS has left us exposed to the criminals in these cases and I, for XXXX, am fed up with paying for something that fails.
This debt has been placed on my credit report multiple times, this is incorrect and needs to be removed as it is preventing me from buying a home.
iam disgusted that everytime i disput what wells fargo say and tell why i disput what they say the system never allows me to progress forward i have a least XXXX compaint casses all diputed and you have not done anything about it? yet you have fined wells fargo bank for falsifying documants mis acounting, fraud and perjury committed in court .why have you nomade compensation claims against then for the consumer that have not been protected iam disgusted in your prceedure
In XX/XX/2016, I checked my Equifax credit report. I noticed an old medical bill that my insurance had supposedly taken care of. The bill was from XXXX. Upon attempting to dispute the bill with them, I found that they were completely unresponsive, and unhelpful.
In XX/XX/XXXX, I got a personal loan for the amount of {$300.00}. As I finalized the loan over the phone with a Green Pine Lending associate that assured me and my girlfriend that with interest, he total amount I would be paying back would be {$390.00}. We asked multiple times would that include all fees and everything and the person said yes. We would only pay four automatic payments of {$97.00} every two weeks fromy checking account until the XXXX was paid in full. 

After four weeks pass, ( XX/XX/XXXX ) I expected the loan to be paid off but did not receive a call to confirm. I logged onto my account on the website ( XXXX ) and find that not only was the loan not paid off but the company stated I owed them {$580.00}! And that there were scheduled automatic payments of XXXX that would be taken out of my checking until XX/XX/XXXX. 
After this alarming and confusing information I called the company to inquire into my loan and the associate " XXXX '' on the phone confirmed I owed {$580.00} and that there was a interest charge of {$7.00} dollars everyday charged to my account for " prolonging '' the loan. I informed the associate that the person I originally talked to did not state any of that information when confirming the details. I asked to know who I originally spoke to on the phone and was told their name was on my paper work but I was n't allowed to talk to them and that " XXXX '' would be handling my account from now on. I asked how could I resolve the situation and " XXXX '' the associate stated I could pay {$330.00} flat to absolve the loan which seemed odd considering their was a {$580.00} balance on my account. 
Overall Green Pine lending knowingly gave misinformation to get me to sign a loan with them. I also noticed after talking on the phone with them, I can no longer log into my account on their website as if they blocked me from viewing information on the account.
send Transunion, XXXX  and XXXX a dispute for XXXX XXXX XXXX, XXXX Acount number XXXX and another account XXXX I asked for Contact seeing they own the Debt with my Signature also for Validation of the debt Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a XXXX day late on my credit for XX/XX/XXXXand XX/XX/XXXX I have asked them to be remove and it still has not been done yet.
I was charged a late fee of {$39.00} because the payment was received 1 day late. Synchrony bank send my bill 7 days before it was due and it was paid immediately by bill pay from my bank. When I called the customer service # I was told that is the fee and that they do n't even have to send a bill by law for my loan and I should know to just pay it. The rep was nasty, argumentative and dismissive. I have never had a experience like that with a bank in my life. When I asked to speak to a supervisor I was told none was available. This is the worse bank.
I had disputed XXXX XXXX account with Equifax as I was a classmember in Class Action TCPA, Case # XXXX XXXX ( MDD ) which settled and XXXX was court ordered to reimburse clients and remove their reporting from credit bureaus. Equifax is not obliging with that and my class action settlement is being ignored.
This debt was owed in the year XX/XX/2004, a date 14 years previous to this year. I did not begin receiving notices of the amount owed until 7 years ago. It has been another 7 years since then. My understanding of the bankruptcy laws is that the working poor have the debt discharged after 7 years. After another 7 years, there should no longer remain any record of such debt. I have neither the time nor the resources to take this matter to small claims court, to bankruptcy court, or to any other court. When I do not work, I am not paid. I do not work every month of the year. When I work, I do not work every day of the week. When I work I get paid, but only when I work. I need a break from the onerous burden of having to go to court for every little matter than time, given time, has the time to heal. May this debt collection agency be ordered to cease and desist harrassing me for a debt that long ago ceased to be held against me? It is not the original credit card company or bank servicer anyway ; it is some johnny-come-lately predator seeking to frighten me into paying it off. I owe them nothing for the fact of their having discovered this older-than-a-decade debt!
They keep calling repeatedly saying they have a legal document and civil complaint against me. They are calling from XXXX. When I call back no one answers.