WillisBack/dataset-financial-user-claim huggingface dataset:
I had a mortage with XXXX for years. XXXX XXXX, they transfered the loan to XXXX mortage co. After a year with XXXX XXXX Ditech bought them out. 2 weeks before loan transfered to Ditech I made a payment of {$5800.00} to XXXX on XXXX XXXX, XXXX. This brought the loan current and a little over. When Ditech started billing me on XXXX XXXX. XXXX they billed me for the {$5800.00} that seamed to have gone missing. I should have started with a clean slate with Ditech. I have been on time and current with every payment since XXXX and refuse to pay the lost money. As a matter of fact, I over pay every month by {$50.00}. I called dozens of time to clear this up and was always assured this would be looked into. I have tried to follow up, left messages and talked to new people again telling me it would be looked into. Not ONE person has called back. The last person I talked to at Ditech XXXX XXXX XXXX told me my account was so messed up he could n't make heads or tails out of it.That was a month ago. Ditech has also been holding checks for up to 2 weeks making sure myself and others go past the due date so they can collect late fees. If the bank sends my check the XXXX of the month and Ditech get it the XXXX, why would they hold it until the XXXX, ( day after due date ) to cash it? This has become a common practice for everyone involved with them. They only take personal and cashier checks, no electronic payments, that enables them to cheat people out of their money.
Capital One first contacted me in XXXX XXXX about an account I had opened in XXXX in my name. I later added my husband, and another name, to delegate expenses. Every thing smoothly paid bills on time, had built up over XXXX points. I got a letter in XXXX XXXX, saying my card had a co-applicant which they needed a social security number for as a business account. I called and explained to them that the second name was not a person or a business, but a way I had of delegating expenses on my account. I called again in XXXX XXXX, to verify things and told them again, the co-applicant was not a person or a business, so therefore it had no ss number, just to remove the name, and leave it in my name. They said fine and issued me XXXX new cards, XXXX in my name, the other in the non-oersons name, so I thought the problem was solved. I learned today when I tried to use both cards, XXXX XXXX XXXX, XXXX XXXX my account had been shut down. I called and they said I would have to open a new account, that they had sent me letters on XXXX XXXX, and XXXX XXXX ( which I never receiced either ) and they had taken my hard earned points away, and were giving me a cash credit I asked them to send me copies of the so called letters they had sent, and they were not sure they could locate them. They have my email, my phone number, my mailing address, they are linking this to the XXXX XXXX XXXX, which I understand completely has certain requirements for banks. However, the account has been opened since XXXX, and I have never had a late payment, and I suspect they are trying to close old accounts and talk the customer into opening new more expensive accounts. They say I have no recourse although I called in XXXX and XXXX and answered their questions. I mainly hate to lose my XXXX miles which go away when they arbitrarily close the account, and they say I have no recourse short of accepting a cash payment of XXXX after spending XXXX dollars with them over the years. I have never used my points, just letting them accumulate. Paid my account in full at the end of the month, and a small fee of XXXX yearly to Capital One.
Capitol One Credit Card keeps hard checking my credit bureaus. 
They keep sending pre-approved offers. They keep denying to issue me a card. They used hard inquiry that lower my credit score.
Bank of America is reporting information to XXXX that has enabled them to keep a negative account that should have been deleted in XXXX, active ... according to XXXX, until XXXX XXXX, 2017. I filed a dispute with XXXX stating that the account from BOA should have been deleted ion XXXX. They claim that information received from BOA during their investigation of my dispute causes them to keep the account open for 10 more years.
The account should be deleted immediately. If what XXXX is claiming is true, information that BOA supplied them is in error.
I originally entered into a mortgage in XXXX and refinanced with XXXX Mortgage in XXXX. 
In XXXX XXXX agreed to pay {$320.00} XXXX dollars to settle claims of deceptive lending practices. I was not one of those whose mortgage was re-worked nor did I receive any funds from XXXX. In XXXX, XXXX brought XXXX and assumed the servicing of XXXX loans. 
In XXXX, XXXX foreclosed on the property by alleging that I owed {$88000.00} on a {$96000.00} loan. I claimed it had authority to do so under XXXX XXXX which is an open-end mortgage. The company granted only {$8000.00} toward the principal when, in fact, {$44.00}, XXXX was paid toward the refinance. 
XXXX attached a copy of the mortgage to the Complaint. The following items are missing from the document. 
1. HUD 's Case Number2. Monthly payment information, and3. Interest amount. 
Under HUD regulations, the loan was a fraudulent loan, hence, the foreclosure should be even at this point, declared a nullity.
I recently initiated a dispute with Equifax, at this time I have not received a final response. XXXX aka XXXX has placed a collection on my account with all 3 of the credit bureaus for an account that was paid in full in XXXX. The original account was with XXXX, and I paid XXXX the balance of {$100.00} in XXXX XXXX must have purchased the collection after I had paid it off. This collection has not been on my credit report. I have a report from XX/XX/XXXX and XX/XX/XXXX, and this account from XXXX, is not on these reports. I also have had service with XX/XX/XXXX since XXXX, under the same social security number. If I had an open collection, XXXX would have denied me service. This account was paid in full in XXXX. I believe that XXXX has performed an inquiry on my credit report, and sees that I am shopping for mortgages. I believe that this account has been posted as an attempt by them to make money on an account that has been paid for years.
Company by the name of " XXXX XXXX '' contacted me several times in an attempt to collect a debt that is n't mine. They were nasty, rude and refused to provide me with pertinent information if this would have been a legitimate claim ... .which it is not. I called back the number they gave me a XXXX time and they gave me different information as to why they were calling me. This is a huge scam and they need to be stopped. No company by their name is listed with the XXXX, and complaints are all over the internet. They have XXXX locations apparently, from XXXX to XXXX. DO NOT GIVE THEM ANY PERSONAL INFO, they need to be shut down.
I was solicted ( in XXXX XXXX ) through the XXXX Mail by Citi Card to participate in a promotion to sign up for the XXXX program, a company with which I have an airlines sky miles account. The promotion offered XXXX miles in return for using the card to make {$1000.00} in purchases over the next 3 months after approval. I applied online and was approved for the card. I made the purchases of over {$1000.00} dollars during my first month but the miles did not appear in my XXXX account. When I called CitiCard on XXXX/XXXX/XXXX to inquire about why my miles had not been added to my XXXX account I was told I was not eligible for the promotion because I had previously had an account with Citi in the past 24 months that had been cancelled. CitiCard knew this information when they sent me the solicitation. Citi Card did not inform me when I signed up and was approved for the card that I would not be eligible for the promotion. They XXXX let me spend money on the card knowing that I would not be eligible for the promotion. I believe this Citi Card " come on '' offering promotions knowing full well they will not award the the promised award is both a deceptive and fraudulent business practice and that Citi Card should be held accountable. Had Citi Card notified me that I would not be eligible for their promotion ( they did not ), I would not have signed up for the new account but would have instead used my XXXX credit card. They are deserving of my business. Citi Card is not. I have cancelled my Citi Card account.
Report inaccurate information through XXXX and XXXX, had information removed from trans union. Account reporting past due after being closed for over a XXXX Never heard back from credit report agency in XXXX  days.
Yes I was an account holder with chase then my debit card got stollen I had XXXX in my account then I told chase about it they told me they cant give me a refund and I need my money back to pay my bills someone stole my debit card and withdrawal all my money.
I had transferred XXXX dollars from XXXX to Keybank on Wednesday night. The transaction was received on a Thursday. It is now Monday and while the money was taken out on Thursday it is still not in KeyBank.
Excessive overdraft fees. I am only responsible for XXXX {$35.00} fees for purchase {$150.00} XXXX and atm withdrawl for {$43.00}. I was charged fees for XXXX other old purchases from XX/XX/XXXXXX/XX/XXXX The bank charge me overdraft after I overdrew paying XXXX and atm transactions on XX/XX/XXXX. Those XXXX XXXX, XXXX and XXXX were when my account was positive. When contacted I spoke with XXXX reps and a supervisor and none was able to resolve the issue and decided it was fair to charge XXXX for transactions that were not over my balance. XXXX input a {$35.00} rebate as a courtesy and her manager indicated I was responsible for all fees. When transfer to manager the manager disconnected call. When I call back the rep and supervisor could n't help me resolve and state I was ineligible for any rebates because I had one already. which was the XXXX XXXX input 10 minutes prior.
About 8 years ago, I lost my house to foreclosure ( surprise surprise ), and when I was in the process, I stupidly asked the HOA if I should pay them after I had vacated the property. They told me no ... 
So I did n't, long story short I should have paid them for the time between when I vacated and when the property was actually foreclosed on. I tried to pay them but they would jack up the amount each time I did, adding fees and interest. they took me to small claims court, and tried to sue me for an amount that was nearly XXXX the original amount, judge had me pay the original amount plus some fees, but not the jacked up difference. I then paid that amount, but they sold the difference to a collection agency. 
I have the paperwork for the court saying the debt is paid in full, but this collection agency has been chasing me for years, and now they have brought my wife into it, by putting the debt against her, so its dinging her credit, even though we married long after I had bought the home, and was never on the hook for the mortgage, deed, hoa, or anything and during any of the legal proceedings had nothing to do with it. it only happened about a year ago when we were doing our yearly credit check, and we saw it show up on her credit.
I just received a letter from Nationstar Mortgage that I have discussed possible alternative to foreclosure and received an application from me for a foreclosure prevention alternative. This is a lie. I never discussed nor applied for a foreclosure prevention alternative with anyone at  Nationstar. The most ri diculous thing about this is the assertion that it has been denied. Denied something I did not asked for.     When I called my dedicated loan specialist  XXXX   XXXX  on   XX/XX/XXXX  I asked specifically for the status of my HAMP Loan Modification I applied for in  XX/XX/XXXX  that is yet  to be resolved.  Nationstar unilate rally resolved the modification by denying me the modification and try to sweep it under the rug.  XXXX   XXXX  also told me the modification is over because th e Modification Program en ded in   XX/XX/XXXX . I am still in for the Program regardless of  XX/XX/XXXX  deadline. If I am out, then everyone who applied for it before  XX/XX/XXXX  are equally out. Know they in so I mi ne. Nationstar can not unilaterally deny me the modification because it has to be by a bilateral resolution. Is a commitme nt Nationstar has to fulf ill by modifying the loan because  Nationstar sign ed  HAMP Participating Agreement in the past committing itself to HAMP Loan Modific ation Program.     Also, I just received  3 regist ered mails for a foreclosure sale scheduled for   XX/XX/XXXX . They are similar to the ones I received on  XX/XX/XXXX  fro m  XXXX   XXXX ,  XXXX . The letter said please find enclosed advertisement for the foreclosure sale published in   XXXX   XXXX   XXXX    There is no advertisement for the foreclosure sale published in   XXXX   XXXX   XXXX   enclosed in the letter. That is not true
Bank of America overcharged me interest on my HELOC. They calculated the interest with the wrong interest rate that was approximately 2.0 % higher than the correct rate. I noticed the error. BofA sent me a letter shortly after and acknowledged the mistake and commited to fixing it before I called them. I monitored my statements and the error was never fixed. I called them several months ago and the error still has not been fixed. I have trouble getting through to an actual person on their customer service number. Most calls their system does not recognize my account number. It has been 6 months and the error still has not been fixed.
I have been paying XXXX directly for my bill of {$400.00} and Enhanced Recovery Company is claiming to own my debt. I told XXXX the rep. from Enhanced Recovery Company who called me initially that XXXX have agreed to continue getting paid directly from me for the account and Enhanced Recovery Company can not put it on my credit reports as a debt owed to Enhanced Recovery Company and XXXX said I ca n't pay XXXX I have to pay Enhanced Recovery Company or they will take me to court and I would face criminal charges for this debt. Enhanced Recovery Company went ahead with putting the Debt collection on all XXXX credit reporting agency reports. I called several times and have been hung up on and told to pay them or else they would continue to trash my credit. My credit score have dropped to under XXXX and several of my creditors have closed my accounts due to Enhanced Recovery Company actions of falsely reporting this debt and also continue calling my cell phone and work phone daily
Per my previous complaint filed with the CFPB - # XXXX ( XXXX ), Transunion recognized their error and vowed to remove inquiries that were placed on my report without merit due to a glitch. 
I have received my credit report in the mail from Transunion. 
On page 6 of my report, I still see inquiries that were not removed, but promised to be removed by Transunion. 
Let me clearly state this again ( as I did in the first complaint ). 
The ONLY inquiry that should be on there as of today ( XXXX/XXXX/2016 ) : -- XXXX XXXX ( XXXX/XXXX/2016 ) As Transunion stated clearly in the above referenced CFPB complaint they would remove them all, I expect Transunion to follow through. 
Please remove any and all inquiries EXCEPT for the XXXX XXXX entry on XX/XX/XXXX ( that means remove the other XXXX dates ). 
I have again attached my identification to expedite the removal.
I discovered that a USAA account was opened in my name. I do not do business with USAA nor have I ever. I am not even in the military or related to anyone that is. I am a victim of identity theft. This is not the first account that was fraudulently opened in my name without my consent or knowledge. I have attached documentation. I have filed a police report with the XXXX XXXX XXXX. The report ID is : XXXX
I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in   XXXX   XXXX   and   XXXX   XXXX   financed it. I got behind in   XXXX   XXXX      XXXX   XXXX  , and   XXXX   XXXX  . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.
I 've had the same checking / atm access account with Bank of America for almost 30 years. While reviewing the XX/XX/ Statement, I noticed a XX/XX/ withdrawal transaction of {$200.00} in addition to a related {$2.00} fee charge with the reference " XXXX XXXX # XXXX WITHDRWL XXXX  XXXX XXXX XXXX XXXX MO activity type withdrawal '' I immediately contacted Bank of America Customer service to inform them, that I have never been in Missouri, and I certainly did n't take any cash out of any ATM at that location, at any time, let alone XX/XX/. 
They issued a temporary credit and said they 'd investigate. 
Approximately a month later I got a form letter saying they 'd investigated my complaint, said it was an valid withdrawal, and again re-charged my account the {$200.00} + {$2.00} service charge. Nine calls later, over the course of approximately 3+ hours, Bank of America has yet to provide any explanation validating this charge to my account. On 4 separate  occasions, their telephone service representatives assured / promised me that they would get me a detailed explanation by the following day or two. I heard / got nothing. All they eventually said is that it 's likely someone at some other ( different State ) card use, skimmed my card and pin number and subsequently produced a fake card to take out money from my account. The fact that Bank of America is so flippant about the fraudulent removal of money from my account is alarming. The fact that with all their hopefully sophisticated anti-fraud technology, they did nothing regarding an ATM transaction from a State ( Missouri ) where their customer ( me ) had / has never been suggests an appalling lack of the most basic responsibility that a financial institution should have towards those who entrust it with money. If this is the level of security now being provided by nationally chartered banks, then one might want to start considering keeping one 's money under the mattress, because it certainly is n't safe with Bank of America. At best, they 're incompetent. As worst, they facilitating or committing bank fraud upon their customers.
I am a co-borrower a car loan with my ex-husband ( XXXX XXXX ). The car was bought XX/XX/XXXX.At first, I was paying half on the car. My ex could no longer make the payments werein XXXX XXXX ( formerly known as Northcoast Financial Services ) contacted me for payment. I began making the entire payments, XX/XX/XXXX. XXXX, took my ex husband off of the white title but not the loan. XX/XX/XXXX I tried to trade the care in and when they ran my credit it was found The finance company has never submitted to the Credit Bureaus my payments. I I contacted XXXX and spoke with XXXX XXXX, who assured me that it would be taken care of by XX/XX/XXXX. n the meantime, three days later I followed u by sending Dispute Letters to all XXXX Credit Bureaus and a Registered Letter To XXXX XXXX XXXX . XX/XX/XXXX I went back to the same Car Dealership and was told the car was still NOT ON MY CREDIT REPORTS. I again contacted XXXX XXXX and again he assured me it would be taken care of. In the meantime, the Credit Bureaus never addressed my disputes so I turned to the XXXX and am working with XXXX XXXX. XXXX XXXX has been in touch with her via emails and they keep giving her different dates of when the issue will be resolbed. I think they keep changing the date because I either made my last payment XXXX XXXX or it will be XXXX XXXX so they can deny the loan.
Notified lender unable to pay due to medical XXXX. Refrigerator stopped working. money from Retirement plan. Informed them that would make payment as soon as receive money. Provided information from Attorney.
I continue to receive calls from a 'debt collection agency ' using the number XXXX. They claim that I have an outstanding debt and they are charged with collecting it. This is simply not true. I have refused to answer the phone and have taken steps to block the call and do have my number registered on www.donotcall.gov. I have gone online and have learned that others have similar complaints. I would like for the FTC to investigate this company for consumer fraud since others may fall victim to this scheme and so that they will stop harassing me.
Trans Union is not responding to any of my numerous requests to investigate and remove accounts and inquiries from my credit report that were fraudulently opened.
I have a credit card account with Capital One and they are not Reporting my payment of {$470.00} on my account there showing I owe {$430.00} but It should show I have a XXXX Balance on Credit Card Account. 

By not showing my payment they are effecting my Credit Score And I am not able to apply for things I need on Credit. I want You to force Capital to reflex my payment and to Close my Account showing I paid in Full. 

I know longer want to do business with such a Despicable company. 
Capital One is Dishonest and they hurt their Customer Credit Scores. 

Waiting to hear from you. 

XXXX XXXX XXXX
A rent-to-own company called XXXX XXXX is reporting that I have an unpaid {$3800.00} charged off account on my credit. The account number being reported to my credit is " XXXX ''. I have never had an account with this company and this debt does not belong to me. At first, I thought this was a reporting error by the credit bureau but after more than five months of disputes, Experian has not deleted it because they keep saying it is my account and I need to call XXXX XXXX to handle this. This is where my problem begins : I have called XXXX XXXX on the number provided to me by the credit bureau letters and they are telling me that the name the account is under is " XXXX XXXX ''. That is not my name. My name is " XXXX XXXX ''. I have tried getting them to send me some sort of supporting document or proof that the account is under this other person 's name but the regional manager will not give me any information because the account is under XXXX XXXX and I am not that person. This is ridiculous. What am I supposed to do to get this account off my credit? If XXXX XXXX does n't delete this from my credit report or mail me a supporting document I can send to Experian, I am going to file a police report for fraud. I have never had an account with this company.
The story began when the guy a the XXXX dealership in XXXX sold me an extended warranty agreement without discussing any details for a much higher amount than prevalent in the market. This I found out the day after I was practically tricked into buying the warrant. I mean tricked because they did not even inform me that for the first 90 days and XXXX miles of the car are already covered. Now they are giving me credit but without adjusting the sales tax of {$160.00} and although Ally ( Financial Group of XXXX XXXX has sent me the revised repayment document, when the bank that I work with ( XXXX ) approached them for refinancing, they are claiming that their records will not be updated until another 10 days. This is also the date when my first installment is due. I believe the are planning to either charge me penalty for nonpayment or induce me to stay with them for the loan. The whole deal was crooked with the XXXX salesman promising to reimburse me for a second key if they could not find the duplicate and then later backing out saying they did not make enough money on the deal. They should have thought of that when they made the promise. 

I strongly request an urgent review of this matter so that I can proceed with my refinancing and not be liable for any penalty or other charges by Ally. 

I also request a review of the sales collection and refund procedures of Ally so that other innocent customers who do not fully understand these matters are not cheated.