WillisBack/dataset-financial-user-claim huggingface dataset:
I live on XXXX XXXX florida. my home was damaged by IRMA XXXX-17 my mortgage THE MONEY SOURCE company offered me government supported FHA Disaster-related Special Forberance program. they offered me 3 months of NO payments with no reporting of the lateness of the 3 months. I took XXXX XXXX XXXX no payments used that money to cover the deductible of my wind insurance to repair the home they hold the mortgage on. {$8800.00} deductible. in their written letter they stated the next payment was due on XXXX17 .... 
.they emailed me on XXXX17 my account was going into foreclosure for being 90 days late. In there written proposal it states my regular payments will reassume in XX/XX/2017 ... .I made the payment by phone XXXX-17. I called them first week of XXXX and asked for an explaination I did what they said made they said I was still 3 months past due and they were sending mr specific instructions on how to get back in GOOD Standing with THE MONEY SOURCE.. they mailed me a plain to make 3 monthly payments by cashier cheks and after that they would reconstruct my loan to change the balalnce to reflect my balance plus XXXX I signed and restarted my loan. Through this whole process they reported me over 90 days late 5 months ... .KILLED my credit score
I told them to not contact my husband or myself at work and they did again. They told me and my husband that they will be attaching our wages. The caller also told us we had to call back by XXXX the next day after we made payments or they would take further steps to contact our employers. I made a payment on XXXX/XXXX/16 for {$58.00} and then on XXXX/XXXX/16 the called my husband at work and told him he had to make a payment, which he did make another payment. Then the guy told him if he did not call back by noon that he would start proceeding 's against us to attach our wages. We made 2 payments in 8 days and he still harasses us. He calls several times a day and does not leave a voicemail.
I lived in a complex XXXX on XXXX XXXX my lease was from XXXX XXXX, XXXX to XXXX XXXX. The end of XXXX XXXX a new company named XXXX bought the property ( tenants were not informed ) I had paid in full lease agreement with XXXX ( did not receive my {$600.00} deposit back from XXXX ). 
XXXX reports on my credit report a debt which I do not owe ( never did business with XXXX ) I want this removed ASAP, thank you XXXX
I received my credit report from Equifax on  XXXX / XXXX / 2017  confirmation #  XXXX  after filling disputes regarding items on account. The updated Reinvestigation report received showe d SEVERAL it ems that had been deleted from my credit file. Then I received another report from Equifax dated  XXXX   XXXX ,  2017 , confirmation #  XXXX  that showed the items that had been updated and deleted back on my report.
Love beal and Nixon illegally sued me and got a default judgement against me I never received a date of the hearing I called the court house several times they never gave me a date I even responded to the motion still never received a date.. I called and spoke to XXXX and was set up on a payment plan for XXXX accts I sent in payments for XXXX accts they accepted the payments. They then put a garnishment on my checking acct even though I am set up on a payment plan.. It is my understanding that they can only take up to 25 % of monies in my acct they have taken everything I was once again never notified by XXXX not the bake I still have not received anything from them. This is a known issue with them I do n't understand how they are legally still in business..
I had credit card with XXXX XXXX XXXX XXXX. They charged off this debt and sold it to debt collector. I settled with debt collector. However, they reported that I failed to pay in XX/XX/2018 even though it shows {$0.00} balance and account status as closed. 

I had similar issue with XXXX Bank. They charged of this debt and sold it to debt collector and it's still reporting past due amount of {$1500.00} as of XX/XX/2018 even though status says closed and charged off. 

They keep updating these periodically damaging my credit and it seems there is nothing I can do about it. Please help me. 

If you look at my credit report as of XX/XX/2018 you will see both a past due amount and account status as closed and payment status as charged off.
On the morning of XXXX, I applied for an online loan from upstart loans. I was told I had been approved for a loan in the amount of XXXX XXXX dollars, but I would have to buy a XXXX XXXX card to send them XXXX dollars for the first payment in XXXX, and my next payment would not be due until XXXX. I looked them up online, and they seemed to have good reviews, so i sent them XXXX dollars. I was told by the agent, XXXX XXXX ( XXXX ) that the company went through XXXX  XXXX XXXX and they would deposit the funds into my account in 15 minutes.I waited for about four hours, and called her back. she told me that XXXX  XXXX XXXX needed me to send them XXXX more dollars that would be refunded back to me once the loan went into my account. I explained that If I had XXXX XXXX more, I would not have applied for a loan in the first place, and since this was not explained to me, I would just like to cancel my loan request. She apologized for not explaining that part to me, and said my XXXX would be refunded to my account. This morning I called several times and finally was connected with a XXXX XXXX. He proceeded to tell me he apologized for me not being told about the XXXX dollars, but they needed me to send the XXXX XXXX and XXXX XXXX XXXX would tranfer the funds into my account. I explained that I did not have XXXX XXXX and I would appreciate if he would reimburse my XXXX dollars. He went on to say that upper management would not allow that because they had already contacted XXXX XXXX XXXX and the process was already in play. He went on to apologize for the lack of explaining that I would have to come up with more money to get their loan. He said that he had tried to pay XXXX  XXXX XXXX the XXXX XXXX, but that for security reasons, I had to come up with the money. we went back and forth on the issue of my refund they promised to put back into my account. I finally told him that I would look into this further and hung up. I then called XXXX XXXX XXXX. I talked to the fraud department who looked up XXXX XXXX and told me that they were competitors, and didn't work with this company. So I decided to write this letter.
At some time between XXXX/XXXX/16 and XXXX/XXXX/16 my ATM debit card was stolen. On XXXX/XXXX/16 I realized the card was gone when I checked my online banking and saw XXXX pending ATM withdrawals. I immediately notified the bank and had the card canceled. The first XXXX withdrawals were for {$200.00} and the third was for XXXX these withdrawals took place in XXXX, NY and the card was stolen where I live in XXXX, Va.
I wrote to the company 3 times ( 2 times by email (  XX/XX/XXXX  & XX/XX/XXXX  ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail on  XX/XX/XXXX  regarding a derogatory/collections item that I discovered on my credit report.
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This refers to my Rise account #  XXXX , loan date  XX/XX/XXXX  23 month term, that I believed, and also had received email confirmation that this was paid off on  XX/XX/XXXX .
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My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for Rise off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report.
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This loan was paid off as of  XX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until  XXXX  or  XX/XX/XXXX . I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history.
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After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.
Various date fromXX/XX/XXXX through XX/XX/XXXX, various amounts the Paypal -- XXXX aka XXXX XXXX proceeded to somehow make transaction through my paypal account some which, was made directly on each on my credit cards that was listed in paypal system. This company XXXX also threaten me if I told pay it would be reported my institution as if they wrote my paper which, they only proofread my documents however, the company also at the amount of editing/proofreading was to be done by paying came back three days later to request more money because they stated it was the wrong price given. This was fraud. I contacted paypal and paypal stated they have zero tolerance for companies that conduct business to get over on customer. However, paypal stated limits or cancellation could be an option no documents was request and Paypal continues to allow company 's like XXXX ( XXXX XXXX ) to get over on customer without taking action. Paypal has not found out how this company was able to charge all my credit cards at one time making dup charges. Please see attachment.. Reference case # XXXX and transaction id # XXXX. XXXX ( XXXX XXXX ) has also falsified their location in Texas which, is a house purchase by and owner in XX/XX/XXXX. None of their numbers work and Texas Secretary of State has no listed info on this company. NO way to file charges or have them served ... Please see the companys " XXXX '' threaten chat posts and request after agree which was paid..
Hello - I am a American express credit card member and have a XXXX credit card. 

For the last many months, Amex has been sending me emails on Serve prepaid card and has also send me a physical copy of the card. 
After waiting on the line for 75 minutes, when I requested them to close the card as I did not request for it, they came back saying that unless I spend a minimum of {$50.00} on the card, they would not be able to take any action on this card. 

1. I never requested for the card 2. I keep getting unwarranted emails from them 3. After spending more than an hour on the phone, I am told that I am not authorized to close the card that I did not ask in the first place. 

I am not sure I understand the logic here.
Due to financial ilness of husband.XXXX and fraud on part of relative because late on payment yo Bank of America.Have send in two modification packages.I received one phone call in XX/XX/XXXX. concerning second papers, which I miss Ed and returned.On XX/XX/XXXX received forclourse notice.I have not gotten any phone calls or any thing in writing from BOA about this or any missing paper work.All copies requested have sent in.I have the money for repayment but they will not accept.I asked for repayment plan. The property is a old trailer that is broken down but home to relatives.I don't understand how they can do this if all paperwork is in my and with out sending us any notification on requested modification.I am on XXXX and my husband is I'll with XXXX and we do not know what to do..We can afford to make up payments Thank you for any advice XXXX AND XXXX XXXX
Rushmore LM had offered me a trial modifcation on XXXX XXXX. I agreed to it, then withdrew and resubmitted to it. It was approved, at same time i was waiting for them to send reinstatement amount to NJ homesavers hardest hit. Then i recieved notification they recieved documents, i signed the paper work with NJ homesavers and they paid {$50000.00} to rushmoreLM. {$40000.00} for arears and legal fees, balance to reduce principal. I withdrew from the trial, it was approved by Rushmore LM, they took the funds from NJ homesavers, sent notifcation of this and modification withdraw. They never returned my {$6700.00} deposit for the trial modifcation, they said its not refundable, They kept the money. They diverted these funds illegally. The check says deposit for modifcation. If there is no modification, there is no need for the deposit not to be returned
MY NAME IS XXXX XXXX  ( XXXX  ) I HAVE BEEN PLACED IN COLLECTIONS WITH XXXX XXXX   FOR A MEDICAL DEBT FOR MY DAUGHTER XXXX XXXX XXXX DATE OF BIRTH XX/XX/XXXX WHO WAS COVERED UNDER MEDICAID FOR DATE OF SERVICE XX/XX/XXXX. I HAVE SENT EVERY DOCUMENT AVAIL INCLUDING LETTER OF ELIGIBILITY SHOWING SHE WAS COVERED ON THIS DATE AND THEY WILL NOT REMOVE FROM COLLECTIONS OR DELETE FROM MY CREDIT WHICH IS OUT OF COMPLIANCE. I NEVER RECIEVED NOTIFICATION OF THE BILL OR BEING PLACED IN COLLECTIONS. I JUST WANT THIS REMOVED AND MY STATUS UPDATED WITH THE CREDIT COMPANIES AS I AM NOT LIABLE FOR THIS DEBT.ORIGIONAL DEBT IS WITH REGIOGAL MEDICAL LAB IN XXXX OKLAHOMA
I deposited my first pay check for the amount of {$1400.00} from a new employer, Into my checking account at Bank of America. That was placed on hold for an over extended period of time, ( from XX/XX/20018 to XX/XX/2018 ), considering the relatively small amount and local bank branches involved, time with my bank, and funds being available for withdrawal from employers account. And being given false and/or incorrect information that the funds will be available by the following day. In violation of my consumer protection rights, and federal rules and regulations. Unfairly causing me undue hardship with past due utilities ( gas, electric, and water ), that may get shut off, and with my past due truck payment, that may get repo'ed for none payment as I had agreed to pay a past due amount on pay day. Furthermore, the lack of food in my home, and other necessities needed. 
Moreover, my requests for release of funds or to please expedite the process for the above reasons was refused, And negligently ignored and unfairly declined without further explanation except for, I was told, for their protection in-case the check did not clear. And that it will take until XXXX XXXX  Wed. the XX/XX/XXXX to do so.
I am XXXX and I have a bunch of bank accounts and credit cards. I tend to watch things using wave accounting which generates reports covering everything making my life easier. Today I received the following report : XX/XX/2016 LATE FEE FOR PAYMENT DUE XXXX $ Uncategorized Expense MBNA Card I hope to prevent this in the future as I have put an " event ' in my smartphone calendar to remind me to pay it on the XXXX of each month. But I sincerely wish that Bank of America would notify me by email a day BEFORE they access the penalty, rather than using a big " net '' to rake in money from thousands of card holders who may make the same error I did. This is not fleecing XXXX, but I am sure they make lots of money this way and I believe that as a courtesy they should automatically send me an email a day in advance so that I may remember to pay it, rather than hitting me over the head with a hammer with a {$37.00} charge. I am a good bank of america customer, but I am afraid that there is some XXXX somewhere in the Bank of America corporation who gleefully manages the collection of these charges.
The loan was made XXXX 2015 for around XXXX. However when I received the loan instrument It reads in bold letters at the top LEASE WITH OPTION TO PURCHASE however after reading the loan it was my interpretation to purchase the full XXXX would have to be paid then you would have an option to purchase for XXXX. Subsequently I refused to sign the lease. However Pacific Financing XXXX called me at least 30 times swearing the lease did n't read that way. So I agreed to sign the lease and supplemented it with an addendum clarifying the loan amount the interest rate and I had the option of paying the lease at anytime with the loan amount plus interest minus my payments. After I signed no copy of anything was provided to me. I contacted them in XX/XX/XXXX to finish paying the loan off and was told {$24000.00} at that point I stopped making payments. I am a XXXX person and they have sent men threatening me with bodily harm unless I paid. I contend the contract is void because they intentionally told me the contract said what it did '' t because the essential part of any contract is understanding. Furthermore they are using extortion methods to enforce a contract they swore they were not presenting. I feel this is a fraudulent contract with extortion to insure payment.
Equifax was hacked and their website indicates my personal credit data may be among the files compromised. This is an inexcusable breach of security on the part of a company that never received my consent to collect such data on me in the first place. In addition, recent media reports indicate executives at Equifax knew about the breach and took steps to protect their personal profits before informing the public about the breach.
repeated phone calls on sunday. late in the evening. i always tried to make arrangements for payment and i was told it was not acceptable and i had to come up wiyh more money than i had.
In XXXX 2016 Planet Home Lending XXXX XXXX ( PHL ) aggressively pursued us to refinance our home ; we were not interested in a refi nor did we need to. PHL still pursued us. We finally opted to refi with PHL as they are our current home lender bought by our recent home purchase transaction. Our loan payoff amount at the time PHL contacted us in XXXX 2016 was approx. $ XXXX with a home valuation of $ XXXX that they made us pay {$500.00} up front in XXXX 2016 for an appraisal report. We responded with a roll-into amount of appx. $ XXXX that included student loands and XXXX credit cards. PHL responded with a 3.5 % APR for 30 yr fx. and that our closing costs would be apx. {$3500.00}. We accepted. We immediately complied with all submittal requirements to lock in that rate. We did not hear back from PHL for more than 3 weeks until WE pursued persistently for status updates. Once we finally made contact, we were told that the rate was never locked in but they would give us a new rate at 3.625. We were bounced back and fourth between several people who claimed to be managers ; none of whom returned our emails or phone calls. ( XXXX XXXX NMLS : XXXX XXXX, XXXX XXXX t : XXXX, XXXX XXXX ( the claimed Manager XXXXXXXXXXXX XXXX ). We have an extensive email trail of us trying to get answers and are happy to forward them all to you for validation! More than 3 months worth! 

It is now XXXX and all the rates and closing costs we were originally advised have since been changed. AND we are now told that our closing costs are more than {$11000.00}!! What? 

We have been violated, disregarded and ignored for over 3 months! Our credit report has been accessed ; we overpaid on 3 months of interest on our mortgage, credit cards and student loans and are now out {$500.00} for a home appraisal due to PHL 's incompetency! Our lives have literally been put on hold!
Hi, I recently tried to open a Savings account for my mother with Ally Bank. During the application, I input her SSN and other information. I answered some questions pertaining to her identity. At the end of the application, I was told that her account was under review and we would get a call back in a few days. On XX/XX/XXXX I got a call saying that Ally requested a copy of her drivers license to verify her identity. I then told them that her address is slightly different than the one listed on her DL. They then told me that was fine, but I would have to resubmit another application with the matching DL information. I did then, input her SSN, and answered all the questions again. They also gave me the fax number to submit her DL to just in case they need it for the next application. I submitted the new application and faxed in her DL on XX/XX/XXXX. On XX/XX/XXXX, I received an email at XXXXXXXX XXXX stating that 'we have been trying to reach you but have been unsuccessful. ' It goes on to say to please reach out to us regarding reference number XXXX. The email came from 'XXXX at Customer Service '. As soon as I saw the email, I contacted Ally bank. I first spoke to a representative, who told me 'I do n't know because that is n't my department ' so I then asked to be transferred to that department. I was transferred to XXXX XXXX, a supervisor. 
I asked XXXX XXXX what was needed to finish the application. She read 'the notes ' that said we needed to submit a copy of the SSN card. I then informed her that we had already submitted the DL, and asked if she had used that as verification, as it is a 'valid government issued photo ID ', which is what they request in the application. She found it and then told me that regardless, they were requesting a copy of the SSN card in order to proceed with the application. I asked why they were requesting specifically it, and she simply said that she did n't know. I then asked to see if she could check with the department that made that decision so that I could get a better idea as to why specifically it was being requested. She contacted XXXX in the Applications Department. XXXX relayed to XXXX that the SSN was required. I then informed XXXX that due to the age of my mothers SSN card, it carries the words 'not to be used for identification purposes. ' After an extended hold, XXXX came back and told me that 'we are allowed to request anything because of the Patriot Act. ' I informed XXXX that is not how the Patriot Act works, you must cite specific articles in it. She said she did n't need to. I then said that under the FDIC 1020.220 'Customer Identification Programs ' and other FDIC articles, it is not even required to use a SSN to open an account, furthermore use a SSN Card for identification. She simply said 'The Patriot Act trumps all of that. ' I asked her if Ally bank abides by the FDIC regulations, and she told me that they did n't have to since the Patriot Act was enacted.
Complaints : 1. Error in Credit Bureau Reporting of Late Payments 2. Fraudulent charges to account for untrue late payments 3. When BSI received account from XXXX the amount for misc. charges past on was a. In XXXX and XXXX with XXXX XXXX this fee was non-existent. 
b. In XXXX XXXX labeled it Corporate Advance - {$1700.00} c. In XXXX XXXX labeled it Other Amounts Due - {$1700.00} d. In XXXX and XXXX XXXX labeled it Expenses PD by Server - {$1700.00} e. In XXXX BSI labeled Other Fees Due - {$1700.00} f. In XXXX BSI labeled Total Fees and Charges - i. XXXX {$1700.00} ii. XXXX {$1900.00} g. In XXXX BSI labeled Total Fees and Charges - i. XXXX {$170.00} ii. XXXX {$1.00}, XXXX iii. XXXX. {$2000.00} iv. XXXX. {$2000.00} v. XXXX {$2000.00} vi. XXXX. {$2000.00} vii. XXXX {$2100.00} XXXX XXXX, XXXX Action taken : 1. Called BSI Customer Service at about XXXX and spoke to XXXX who informed me that I did not make a payment in XXXX XXXX and all subsequent payment were applied starting with XXXX XXXX leaving a month behind. 
2. I assure her that I had never missed a payment. 
3. I check bank statements and found canceled checks for the months in question. 
4. Called BSI Customer Service at about XXXX XXXX and spoke to XXXX. I informed her about the error BSI had made and would fax copies of my canceled checks. She gave me the fax number and suggested I sent it to the attention of XXXX. 
5. At XXXX XXXX I faxed copies of canceled checked and bank statements showing the payments in question have been made and cleared the bank. 
6. Month in question : XXXX, XXXX a. XXXX XXXX i. Check for {$360.00} mailed on XXXX/XXXX/XXXX ii. Check cleared on XXXX/XXXX/XXXX b. XXXX XXXX i. Check for {$360.00} mailed on XXXX/XXXX/XXXX ii. Check cleared on XXXX/XXXX/XXXX c. XXXX XXXX i. Check for {$360.00} mailed on XXXX/XXXX/XXXX ii. Check cleared on XXXX/XXXX/XXXX
I was an American Express Serve customer and had fraud on my account. instead of returning my money SSI check they, close my account.