WillisBack/dataset-financial-user-claim huggingface dataset:
First National Bank sent me a letter in the mail describing they mismanaged my Escrow account and needed to raise my monthly amount double per month over {$2000.00} per month to get the escrow balance to where it needs to be. That monthly payment was unacceptable and completely unaffordable. After many calls and many days they finally told me they would separate this in a monthly fee resulting in an extra {$600.00} a month to make the escrow amount. I understand the escrow was mismanaged, but I do not see why I am being penalized for the bank 's mistake on managing the escrow account. Now my monthly fee for escrow is more than the principal and interest and the amount required I can not afford. Please see attached documentation.
I have had a lease for an XXXX vehicle since XX/XX/XXXX, replaced with a new vehicle early this year. My account has been on automatic payment since I initially signed up in XX/XX/XXXX. For my newest vehicle, the first month 's payment was to be included beginning with the day that I signed the lease ( XX/XX/XXXX ). I did not receive the first statement or even my account number until approximately XX/XX/XXXX which is when the next payment was debited from my account. For whatever reason, Infiniti Financial Services ( Nissan ) may not have timely processed my automatic payments. Nevertheless, I called Infiniti today and they verified that they are not reporting any 30 day past due payments ; however, despite that fact, my lessor has taken it upon itself to disparage me and published a derogatory 30-day past due payment to the credit reporting agencies in the past year. I spoke to two people over a thirty minute period today, neither of whom could figure out why the alleged past due payment is reporting. Furthermore I do not consent to the disclosure of my account information to any third parties for any reason whether positive or negative. This has been in writing with Infiniti 's dealer/agent since I signed my lease.
I have been attempting to sell my home through the Short Sale Process and Wells Fargo is not bargaining in good faith. I have an ALL CASH BUYER who is willing to payoff all the liens on the property. They have responded that it is in a ( Fourclosure status ) but they do not have a ( Sale Date ) for the auction. I am requesting that Wells Fargo re-open the Short Sale Process and bargain in good faith. They are also stating that they can not approve it because it is and ( FHA ) mortgage which makes no sense.
Over the course of 11 years a lot has happened between the pressures of  XXXX   XXXX  pushing to finance my education when I had the money to pay outright at the time,  XXXX   XXXX  taking over my loans and Navient continuing to service them. My complaint is about the incorrect and ruinous suggestion from  XXXX  Mae/Navient 10 years ago to consolidate my loans. What was done could not be undone. My private loan increased from a few small increments t o one large one an d my interest rate skyrocketed with it to over 19 %. No one at   XXXX   XXXX   told me they would do this, no one atNavient can do anything about it. In 10 years I have not made a dent in my initial balance, at this point I wholeheartedly believe that going to college was the worst decision of my life. I beg friends, family and colleagues not to go at all or not to finance. I tell them my story and luckily, so far, no one I know is financing their education. Those of us who were   XXXX   XXXX   by the Triad of deception,  XXXX   XXXX ,  XXXX  and Navient, are for the most part completely stuck. Stuck with an useless unaccredited education and a lifetime of debt.
XXXX XXXX has repeatedly sent me a collections bill for a XXXX account that I have no knowledge of. On the bill itself the identified person is XXXX XXXX XXXX .. That is not my name. I tried to dispute this with them by sending tax documents and even a copy of my social that shows that my correct name. I 've called several times and made several attempts to resolve this matter and delete this collection account on my report since it 's not only hurting my credit but it 's FALSE information. Thank you.
I used to have XXXX credit cards issued by Barclay bank, and have a perfect payment history with these cards. But recently the Barclay bank closed all the XXXX cards without any notice. I called the bank but they did not providing me any specific reason other than saying a notice letter is on the way, and refused to re-instate these accounts. 
I just paid the annual fee {$89.00} for the arrival plus card in XX/XX/XXXX, and have XXXX awards miles ( which worths {$550.00} ) in the arrival plus card, and XXXX awarded points ( which worths {$13.00} ) in the extra points card, both are accumulated from my previous purchases. Now I could not redeem these awarded miles and points online as the accounts were closed, and Barclay bank refused to give me back these rewards. It 's unfair to me because I always obey the credit card rules and earned these rewards according to all terms and conditions, but the bank seems to take away them and take advantage in finance by ending up the customers ' account abruptly. 
I would like to seek your help to get back my rewards ( $ XXXX+ {$13.00} ) and annual fee ( {$89.00} XXXX from Barclay bank, which is totaly {$650.00}.
In XXXX XXXX, I started my own business. While starting the business I kept OneMain Financial informed of what I'm doing. XXXX XXXX, office mgr. in XXXX XXXX, La. XXXX, congratulated me and the payments continued. Unfortunately in XXXX, my business start experiencing financial trouble. That's when the calls started. I sent XXXX an email explaining my financial status and told that I will not decide between paying my rent and making a loan payment. After sending that email, the calls became constant. It don't make sense to call 4-5 times a day. I also start receiving calls from their office in XXXX, La. That office address is not on any of my loan documents and they should not have any right to call me. 
On XX/XX/XXXX, I got tired of being harassed about this loan. I gave them the collateral, XXXX XXXX XXXX XXXX, and parked it at there office. I also included a letter detailing the calls and informed them not to call my home and cell phones. I also included they're not to mail anything to my home. I only want notifications by email ( paper trail ). After giving them the XXXX, I didn't receive not a single email from XXXX. 
On XX/XX/XXXX, I received a late payment notification from several credit reporting agencies ( XXXX XXXX, XXXX  XXXX, XXXX etc ). When I checked my account, it shows that OneMain filed a late charge against me. I consider this retaliation for giving them the collateral instead of making payments. The account is still open on their website. Also, this account have insurance on it for this very reason and it have not been filed. Once filed, the insurance should pay off the debt. Instead of being harassed and retaliated against.
In XXXX of XXXX i disputed some transactions ( XXXX XXXX XXXX ) as service not as described. I disputed this with Bank Of America and clearly stated why i was looking to dispute these charges and they denied the claim within days not giving the proper investigation. XXXX XXXX coerced me into staying in my contract over this time period and even further back than the one year that was disputed. Bank of America told me they dont even go as far back as i was requesting which i think was ridiculous. As a consumer i have the right to dispute these charges and receive/ keep my provisional credit of {XXXX} and even further back than that. I will go to whatever means to prove i have the right to these funds. This is NOT A FRAUD ISSUE. I am NOT claiming fraud. This is a NON-FRAUD issue due to negligence by the merchant and a lack of service as described by the merchant when amenities that i orignally signed up for were taken away. Bank of Americas lack of consideration for their customers is beyond me. I hope this reaches them. Thank you.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX
XX/XX/2018 I received a letter from ( XXXX XXXX XXXX ( " XXXX '' ) on dated XX/XX/2018, and their position on the matter. I didn't know I had until XX/XX/XXXX, to respond. 
I am just responding to these Statements. ( period ending XX/XX/2018 and period ending XX/XX/2018 ). 
A representative name Ms XXXX, ( XXXX ext. XXXX ) on XX/XX/2018. Said she would investigate the matter and get back to me. I haven't heard anything from her since then.

All I want to know did you grant me the {$3000.00}. or something close to it? 
Thank you, XXXX XXXX XXXX.
i have been disputing this entry from   XXXX   XXXX   several times and the  XXXX  bureaus keeping saying that after their investigation they show thin information is correct
I purchased a Motorcycle using HDFS in XX/XX/XXXX. During my loan obligation of XXXX months, I had several months when the loan was late. In XX/XX/XXXX I received a deferment and was told I would need to pay anadditional month at the end of the loan. After regaining a positive payment record during the last XXXX months of the loan, I came to the end of the loan and inquired as to how much interest remained due tolate payments. I agreed with the amounts and asked SPECIFICALLY " Do I continue to make payments as usual? '' and was told " YES ''. Despite specifically inquiring about due dates and payment terms, XXXX was notified of a mandatory " LUMP SUM '' Payment XXXX I received a late mark on my credit report. When I asked the customer service representative as to where in my contract it stated the " LUMPSUM '' balance was due, there was none. When I asked about the XXXX month extension I received during my deferment, I was told by a supervisor " I 'm sorry I do n't know, I cant help you ''. I expressed thenthat this is not fair credit reporting as I am making payments each month as I was advised to do, yet I am receiving added interest daily PLUS a late mark on my credit. A company should properly discloseto customers what they are being charged for, when it is due, the amount due and dates due by. XXXX XXXX was called to confirm next steps and failed to provide accurate information, continued totake payments yet reported to the credit bureaus as late. The male supervisor guaranteed the terms where spelled out clearly in my contract and I later spoke to a female supervisor who stated XXXX that it was n't. My credit is ruined and even after the long history was told " Common sense should have told me it was all due in XXXX ''. I do n't deserve to be insulted and this is business. 
Professionally I would like this resolved. I have made the payment of the balance in full and am demanding my credit file be updated to reflect what I as a consumer was told by the finance company I trusted.
XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XXXX, XXXX, XXXX and XXXX. Per XXXX XXXX XXXX records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 3 ) XX/XX/XXXX received {$1200.00} to satisfy the XXXX payment 4 )  Not sure how XXXX can be marked as late when the month of XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage since XXXX and somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.
I received a letter on XX/XX/XXXX that my Navy Federal Credit Union payment was late and due. I had not used the card since I opened it, so I logged into my account and noticed that there was a {$49.00} annual fee due that I had forgotten about. I immediately put my checking account information in to resolve the problem and avoid negative information on my credit report. I called Navy Federal to make sure the payment went through. I was assured the payment went through and there were no problems with the transaction. On XX/XX/XXXX, I received another letter stating that my payment was now two payments past due, and I also received notifications from my credit monitoring service that negative information had been added to my credit report. It was very surprising since I was told that the payment had gone through. I checked my bank account and saw that there was no payment removed. I called Navy Federal again and asked why the payment did not go through since my bank account had plenty of money in to cover the payment. They did not know what went wrong, so we went through the motions of making the payment again. I gave them the checking account number, which they confirmed to be the exact number I had given them when I tried to make my original payment. At this point, I called my bank to ask why the payment would n't have gone through, and they stated that the account number I gave was missing a number. I immediately called Navy Federal back to provide the correct number and make the payment for the full {$49.00} annual fee. I have made numerous attempts to resolve this issue with Navy Federal, citing that this was miscommunication of both  parties, without resolution.
USBANK refused to respond to complaint XXXX filed with you XX/XX/XXXX due to my request for you to forward any replies from them to my dad because he is not on the mortgage. I am asking you to resubmit that complaint which they responded to which defines what is in my opinion predatory practices- misinformation- outright distortions and an attempt to foreclose even when they HAD the mortgage money which they maintained in a separate account and did NOT apply. The issue was over {$37.00} cents escrow. Complaints were logged with HUD and the XXXX XXXX XXXX   who informed me they could only raise escrow no more than XX/XX/XXXX. Confirmation with taxing and insurance indicated there were NO increases for XX/XX/XXXX and they informed me if any would not be available until later in the year. This issues started from day 1 of the forbearance - with their collections not aware or understanding I was on a forbearance program because of the XX/XX/XXXX storm in Florida- which HUD extended through XX/XX/XXXX. In my opinion while they continued to offer a renegotiation of the mortgage it was not necessary. Frankly, while I could use a modification I was very scared and concerned because of their method of doing business and demonstrated inexcusable incompetence which ruined my credit costing me addition money of financing a necessary used car purchase due to mechanical failure of my other vehicle due to that credit and they not moving to correct such. This placed me in severe financial hardship and difficulty further impacting me not only financially but placing me under mental and physical duress involving multiple trips to the ER. I was afraid to do anything with them because they never gave me a straight answer always different coupled with outright lies. They were rude, and arrogant at times and I had immense fear dealing with them. Complete documentation is available!
I have contacted Equifax several months ago and asked if the would remove information that is not mine. Every time I dispute it they never removed it even though I have submitted all the necessary documents even a police report and a letter from the District Attorney explain that I was a victim of Fraud.
I closed my Bank of America checking account in early XX/XX/2018. The final balance was a little less than {$90.00}. I requested for the money in that account to be applied to the balance on my credit card that I have with BofA. When it was not applied a few weeks later I called to ask what had happened. Customer service told me that a check had been sent out to my address. Well, I asked for it to be applied to my Mastercard because I moved. So I did not have access to that address. It is now almost 3 months later and I have not received the money. Customer service keeps giving me the run around and saying they are sending out new checks to my new address but I never receive anything.
On XX/XX/XXXX I contacted Lexington Law Firm with regards to needing assistance with removinginaccurate information from my credit report. I explained I had contacted my Car Loan company with no resolution. I was explained the program, and asked the representative explicitly wouldI be charged if no actions were taken. On the recorded call, he said " no ''. I then gave my card number and was immediately charged {$14.00} for a transunion credit report. I was then advised I would be charged a {$110.00} fee if action was taken. 

On XX/XX/XXXX I received direct coommunication from XXXX XXXX that they matter hadbeen successfully resolved in my favor. I logged onto my Lexington Law Firm portal on XX/XX/XXXX and sent a message requesting cancellation. I noted that there were no pending charges. I did not receive any communication from the company until XX/XX/XXXX by phone. On XXXX XXXX, I received a phone call from anassociate trying to " sell '' a lower package. I advised as outlined in my email communication, I wanted to cancel. I was then advised I was going to be charged the {$110.00}. She stated there were challenges sent out on XX/XX/XXXX and XX/XX/XXXX ( AFTER request for cancellation ). I advised there was only one account in dispute, and it had been corrected. I then asked to speak to a manager. The supervisor XXXX was equally rude, and would not provide an employee ID nor last name to distinguish himself. He stated I had " 5 days '' to cancel, to which I advised him the discussion on the recorded call which lead me to enter an agreement with the company. I asked him to have the original call pulled and to have a manager call me.
I called Bank of America to ask for help. I wanted to get a lower interest rate on my Bank of America Rewards card because I 'm in financial distress, my credit score is good and I 've never missed a payment. After I explained my situation to their representatives and to XXXX supervisor, they said they ca n't help me. There 's nothing they could do to help me. I find it so unbelievable because I 've heard there 's always help out there, but for me there 's none! I explained to them that I was " thinking '' on closing the account. To my surprised I checked my XXXX credit report today and is showing Bank of America Credit Card Account CLOSED BY CONSUMER. This makes me so sad because instead of helping me they closed the account.
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, XXXX, and experian ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
XX/XX/XXXX - Submitted a Police Report and Identity Theft report to all three credit reporting agencies about identity theft including the BANK OF AMERICA Account # - XXXX. 

XX/XX/XXXX - BANK OF AMERICA Account # - XXXX was deleted from my XXXX credit file. However, that account was not removed from my XXXX   credit file. Filed several disputes with XXXX but they did not remove the fraudulent BANK OF AMERICA account which resulted from identity theft crime. 

XX/XX/XXXX - Contacted BANK OF AMERICA to try to resolve this matter with them. Spoke with bank representative XXXX XXXX who opened case # XXXX and advised me that a bank representative from the fraud department would contact me but nobody ever contact me. Instead they send me a letter in the mail claiming I am responsible for that debt. 

XX/XX/XXXX - Received a dispute results from XXXX saying that the item will remain on my file since it was deemed to be accurate. 

I can not understand the disparate treatment I am receiving from XXXX credit report agency since the information was corrected at XXXX but it is still wrong with XXXX. I believe that both BANK OF AMERICA and the credit reporting agency are infringing my rights under the FCRA Section 611 and I need your help. 

Thank you very much. 

Best regards, XXXX XXXX XXXX
A voice recorded message keeps calling my number stating that they have contacted me numerous times both verbally and written to tell me of a debt I owe. The woman who leaves her name calls herself XXXX XXXX. She threatens that if I do not call back then the company will be forced to take further measures to collect this debt. I do not know who this company is or why they are continuously calling my phone again and again and again at all hours of the day and night.
Dates, XX/XX/16 to XX/XX/16. Bank employees XXXX XXXX XXXX XXXX Ms. XXXX. XXXX XXXX. The following attachment shows 1 month. Although missing funds recoured each month except the last. IE start with balance at XXXX plus remaining XXXX from previous first Page subtractions should read, XXXX second XXXX third page XXXX fourth XXXX total would be XXXX leaving XXXX missing, stolen. I contacted me XXXX she advised to close the account and we would make another report to the company the next day. Next morning I sat at a desk completely inorged. This continues for 2 more days. I contacted the police, they said it is a bank problem. If you need additional receipts please contact me, or if attachment is not clear enough.
Hello-I was recently charged an overdraft fee of {$35.00} XXXX times on the same day by Wells Fargo. I called Wells Fargo to explain that in more than 8 years I 've had my checking account with them, I have never been overdraft. In fact I never had overdraft protection in the first place. However they refused to waive any fees and continued to insist that they have to charge me XXXX times for my XXXX account being overdraft. This is reckless behavior by a big bank. Wells Fargo does not provide any way for me to see my overdraft settings online or give me the ability to turn it off. I get no email alerts if my account goes overdraft or if a customer service person turns on my overdraft settings without my knowledge. So I am asked to pay {$100.00} for a service that I can not see I have, have no ability to turn on/off online, and I am not alerted to its status. I ask you help to have these charges waived. Below are the overdraft transaction amounts and date XXXX - $ XXXX - $ XXXX - $ XXXXThanks, XXXX XXXX
XXXX, XXXX, EXPERIAN ALL HAVE HAD THE PAPERS THAT SHOW ALL DEBT HAS BEEN PAID BUT IT IS STILL LISTED AS IN COLLECTIONS, IT SHOULD STATE THAT THE ACCOUNT HAS BEEN PAID IN FULL!
In XX/XX/2018 a certified letter was sent to Portfolio Recovery Associates requesting proof of contract or application obligating me to this debt this company claims I owe. Portfolio Recovery Associates has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Portfolio Recovery Associates. Portfolio Recovery Associates is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.