WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I received 2 collection calls and 2 past due emails from Bank of America. Collection calls! I 'll admit that we have n't been the timeliest this year, but we did bring the account current on XXXX XXXX, 2015. The XX/XX/XXXX statement shows New Balance Total XXXX $ XXXXTotal Minimum Payment Due XXXX .XXXXPayment Due Date XXXX XX/XX/2015We paid {$310.00} on XXXX/XXXX/15, which should have brought our account to XXXX min. balance due by XXXX/XXXX/15. Now the statement showing the XX/XX/XXXX amount due as this : New Balance Total XXXX $ XXXXTotal Minimum Payment Due XXXX .XXXXPayment Due Date XXXX XX/XX/2015They were saying that I now have a past due amount of {$190.00}! 
New Balance Total XXXX $ XXXXCurrent Payment Due XXXX $ XXXXPast Due Amount XXXX $ XXXXTotal Minimum Payment Due XXXX $ XXXXPayment Due Date XXXX .XXXXI spoke the a representative this morning who said that it was all in error and that they would get this fixed, however I feel the need to file a complaint. The way they handled this was harassment. The rep did not even apologize. It 's not right to receive collection calls or emails when you have paid! I do not want to see this reported to the credit bureau for their errors. I also see that they repeatedly make these kinds of errors with many other customers. A giant bank should get their act together. Thanks for reading.
My father passed away XX/XX/2016 and ALL of his effects, computers, everything was taken by a family from over XXXX yrs ago, he was paying the mortgage. They contacted Ditech and had all documents pertaining to my house and mortgage mailed to them, which means we had no way of contacting them ; no knowledge of even how to pay or who the loan provider was. We happened to find a paper in the house with Ditech on it and it turned out to be our loan provider. DItech our mortgage provider, we were snapped at and said that we ARE NOT the contact and they hung up on us. WE LIVE in the home and my mom owns half the house. But we had to wait until the court-appointed to discuss with them. That happened on XX/XX/2016. Almost XXXX months after he died, interest is still accruing, no payments made on the house yet. Then I contacted Ditech. I sent in all needed documentation. I spoke with a XXXX 
Ditech/XXXX then tells me my home is dangerously close to foreclosure, meanwhile, WE HAVE GOTTEN NOTHING WRITTEN BY THEM. I asked for an email, and they said they do not email anyone outside of DItech. I told them they had been dealing with some other person without any proof from the courts and that was irresponsible and reckless and now we are near defaulting on the loan. They are asking for XXXX paid at XXXX TIME!! This is unreasonable. We have nothing in writing ever sent to our house about anything regarding payments or the status of the house. 
I was feeling overwhelmed with this, so I asked a family friend to speak to them on my behalf and they asked for a written authorization, signed by me, allowing him to discuss terms of the estate. I have done everything they have asked ; all documentation sent. NOW, they are just dodging our phones calls, no responses, I email, I call, I leave messages, our family friend is doing the same, they are not responding. INTEREST is accruing and we want to figure this out. WE ARE NOT TRYING TO REACH FORECLOSURE. We just want to figure this out because Ditech allowed our information to be given to this other family prior to the court-appointed XXXX being authorized. If we had known or were allowed to speak with someone instead of being hung up on we could have made arrangements months ago. It should be illegal to just allow anyone to talk and change an address on someone else 's mortgage.
I've been working with Navient for quite some time. I last spoke with a loan officer and explained to them that I was currently in school and unable to make my payments until after graduation, at which time I would enroll in a payment plan. I was assured I had nothing to worry about, but they sent my loan to collections anyway! Literally, the day after I graduated! Since then, I've been paying {$200.00} a month to the agency every month since XX/XX/XXXX, and every month, My account is still being reported for missed payments by Navient even though they sold it to a collection agency. I tried to do the right thing and I'm still not getting anywhere. I've called Navient over and over again, even reached out to a customer advocate and I received no help at all. I am fed up and at wits end. I'm ready to pursue legal action against Navient!
On XX/XX/18 there was a check from a CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ... which when checking my account I assumed it was from my work ... .it wasnt until I went to the bank to dispute some charges coming out of my account that I was informed of this fraudulent check by XXXX at the XXXX XXXX XXXX they locked up my account without informing me of doing so ... .I got my last check from my job and was unable to cash it at the local grocery store because Regions has put a ding on my social security number ... .financially now I am struggling and I would have thought that Regions would have an obligation to notify IMMEDIATELY
TRIED MANY ATTEMPTS TO DELETE FRPM MY XXXX CREDIT FILE THIS IS NOT MINE
I applied for a {$500.00} payday loan online XXXX/XXXX/16. 
I later discovered that they are not licensed to do business in my State, which is Alabama. 
Nor do they meet the loan limits set by the XXXX regulator, thus I feel this loan is illegal and prohibited in the State of Alabama.
On XXXX XXXX, 2016 we faxed a settlement of debt ( XXXX mortgage on a house we no longer own ) request to Ditech Financial to the fax number they had provided us during an prior phone conversation. 

A letter dated XXXX XXXX, 2016 from Ditech Customer Service stated that they received our correspondence regarding our account on XXXX/XXXX/16 and is currently under review. That we should expect to receive a response within 30 days from the date they received our correspondence. 

Then a letter dated XXXX XXXX, 2016 from Ditech Customer Service XXXX stated that our request has been forwarded to the appropriate department for review. That we may contact XXXX XXXX at ( XXXX ) XXXX extension XXXX or XXXX XXXX at extension XXXX for further information regarding our request. 

Then a second letter also dated XXXX XXXX, 2016 from Ditech stated that they are in the process of reviewing our written request and that their research has not concluded. That the purpose of the letter is to notify us of their ongoing investigation in an effort to provide a resolution. Again, any questions call XXXX XXXX XXXX XXXX. 

We have called and left messages on the following dates with NO response XXXX/XXXX/16 XXXX a.m. 
XXXX/XXXX/16 XXXX ( XXXX ) XXXX/XXXX/16 XXXX ( XXXX ) The only " correspondence '' we have received from Ditech is our monthly statement, which we continue to pay due to not wanting to damage our credit.
I am a single mother of XXXX children, who works part time XXXX hrs per week, XXXX of my children have XXXX and receive SSI XXXX benifets from Social Security. This company garnished my checking account which was from my children 's benefits which was being used for them and to pay bills. They garnished {$2200.00}. On XX/XX/2017
I have a been a valued AMEX cardmember since 2004. I have a flawless payment history with them and have a credit score over XXXX. 

I received a call from AMEX Financial Review on Wednesday, XXXX XXXX, questioning my ability to pay for the credit cards I have with them and the new credit cards I have signed up with them. One was in response to a targeted letter offer, and 2 others for a personal and business credit card. 

AMEX threatened that I give them permission to request my tax info from the IRS, or else they will shut down my entire account with them. I have never received this before from Amex. It is very shocking because they are demanding to see my private financial information. In response, I have paid off one credit card in full, and planning to pay off the remaining one within the next few days. I do not know what else I should do. I refuse to allow anyone threaten me and violate my privacy. 

What should I do here?
On XXXX/XXXX/XXXX I mailed a letter to LoanCare ( attached ) requesting a statement from LoanCare starting with the first month that they began servicing this loan all the way to the current monththat shows the monthly detail of the application of my monthly payment, ie, how much goes to principal, interest, escrow ; and the balance of each. 

I received no reply. 

On XXXX/XXXX/XXXX I called and spoke to XXXX who verified that they had received the letter and that they had not responded. After several excuses as to why that was, XXXX agreed to see to it that the information I was requesting would be mailed to me immediately. I confirmed that it would be mailed to me at my XXXX XXXX XXXX address, the same as they send me the monthly bill. 

Today is XXXX/XXXX/XXXX ... ... ... ..I have received nothing. No statement, no letter, no phone call. Nothing. Apparently they do not respond to information requests from their clients.
Rushcard perform a system upgrade on the morning of XX/XX/2015 and ever since then I have not been able to access my funds. I have gotten the same answer for the past 9 days and they have all been inaccurate. I have called at least 3-4 times a day since XX/XX/2015 and I never got my issue resolved. I have bills to pay and ca n't because they can not or will not figure out what has happened to the funds I loaded previously not can they tell me when the funds I have directly deposited from my employer will be available
I never have or had an account with a utility compa ny. ( Nev er have a utility account in my name in the Unite d States ). A mount shown on my credit report is {$1000.00} as collection on  XXXX   XXXX ,  2017 . I disputed this amount  with Trans Union an d they refused to delete it from my report.
I leased a vehicle from XXXX XXXX of XXXX, CT in the first week of XXXX 2015. They bought me out of my old lease [ an early termination ] and wrapped that {$1700.00} charge into my financing. As of XX/XX/2015 they literally just sent the check yesterday to Ally Bank. I have made a complaint with the Connecticut Dept.. of Banking because Ally is treating this debt as a total loss & damaging my credit report as a result. Ally sold the car and got alot of money for it and the total bill is less than [ by about {$100.00} ] what XXXX sen to them. This issue exists despite the fact that I sent certified letters to them -- one as early as two weeks ago -- with an email I received from XXXX XXXX that a check had been sent to them. There is a standing derogatory on my credit report now as a result of this situation and I am attempting to confirm with Ally via their managerial division for " total losses '' at voice number XXXX that this derogatory will be removed because Ally notified me yesterday that they had received the money.
i have few thing on report that where done in my name ..i had nothing to go on but put them in my bankruptcy but they still appear it the only thing i knew how to do so after bankruptcy i still see them on report so i tried to dispute but no luck there and i been watching XXXX  and got your contact so im asking please can you help me as well as inquiries that where not mine..
On XX/XX/XXXX I sent a letter to XXXX, XXXX, and XXXX  for this inaccurate account that I found shockingly showing on my credit report. XXXX  could not verify the account with the third party collector to be valid so they removed the item. XXXX and XXXX   responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX could not verify the debt and I can not get the debt validated by the actual collection agency XXXX  but XXXX, and XXXX claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.
On X/X/2017, I was notified that there was a data breach at Equifax and that I was a potential victim according to their website equifaxsecuirty2017.com. This has put me and millions of Americans at serious risk for identity theft. I believe that a single year of free identity theft protection is not sufficient and should be extended to 5/10/15+ years depending on how much information was stolen. Equifax should also take responsibility and reimburse the affected for putting credit freezes on credit reports as well as compensation for time and money lost for getting a new SSN if needed. The company failed in protecting consumers by not responding in an urgent and responsible manner and I would like a resolution that is fair to all those affected.
I called XXXX XXXX to make my XX/XX/XXXX payment XX/XX/XXXX. They said they would only accept 2 payments not one. They also said if I waited until XX/XX/XXXX, then I would have to pay 3 months. I was in a motorcycle accident XX/XX/XXXX and I am still not able to walk. I will have my last XXXX hopefully in XX/XX/XXXX. With all my bills, I had fallen behind but was trying to catch up one month at a time but to no avail. Also, after being late for one payment, they deny internet access to my account. The only way to pay is via snail mail or pay them a {$20.00} convenience fee PLUS my monthly mortgage via phone..
I was approved for a modification on XX/XX/XXXX. The modification that I agreed to and signed before a notary stated that under the agreement the loan would be reduced in three equal installments of {$76000.00} with a final installment of {$28000.00} due on and payable on XX/XX/XXXX. The mortgage payments were made and time and Ocwen failed their terms of the modification. The loan balances should be {$140000.00} 1st/ {$580000.00} 2nd balloon payment. The current pay-off amounts are {$130000.00} 1st/ {$250000.00} 2nd I have called Ocwen numerous times and I am told they are able to  make changes to the agreement with my signature or consent.
These inquiries below should be removed from credit report. did not authorize. 

Account name XXXX XXXX XXXX Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX XXXX XXXX Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX XXXX XXXX  Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX XXXX Options Show more Account name XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX XXXX Options Show more Account name XXXX Date of requesXXXX XXXX + Options Show more Account name XXXX Date of request XXXX XXXX Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX  Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX  Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request XXXX
I filed the dispute with Barclays Bank concerning the charge made by XXXX to my account XXXX XXXX, 2015 for {$14000.00}. The dispute was filled out over the phone by one of their representatives as I was not given the option nor was it available to fill out the form over the Internet. Of everything I said, the company chose to use non-receipt of merchandise is the reason for the dispute. They have completely ignored all the evidence that the merchant presented himself as XXXX XXXX XXXX former XXXX XXXX -- which are both false, plus he lacks any certification by the state of Arizona to treat people with XXXX much less sell them. 
Barclays continues to side with merchant now says that the laser is available for pickup once I paid {$28000.00} - part of the reason that I filed a dispute in the first place was the merchant failed to deliver the merchandise on time twice and made up excuses that were out of his hands to justify failure. Barclays refuses to explain or justify why they have chosen to ignor the majority of my evidence nor why they are not allowing me to go to arbitration as per MasterCard agreement.
The loan application process and funding was done with ease. Shouldve known it was too good to be true. I usually pay my bills 1-2 months ahead. Lending Club is the ONLY creditor that refuses to accept early payments. They start sending bill notices 15-days early so after my second notice for my XX/XX/XXXX payment, I made a payment 1 day early on XX/XX/XXXX. These idiots applied the entire payment to principal curtailment then sent me a late notice for XX/XX/XXXX After I realized they misapplied my payment, I called but the rep and his manager refused to reverse and reapply it correctly. Manager XXXX ( No unique ID, just the only XXXX employed there ) said its not their fault I paid 1-day early and therefore they cant reverse the payment! This is unacceptable and the entire company should be investigated. If they did this to me, I can only imaging what theyre doing to other customers.
I took the liberty of providing all of the credit reporting agencies a copy of your response letter, settlement letter, and settled in full letter. This information proved that account number XXXX was opened on XXXX XXXX, XXXX and closed on XXXX XXXX, XXXX. Therefore did not constitute a reason for that account to be included on the credit reports. 

On XXXX XXXX, XXXX I received a letter notarized stating that my vehicle was secured by a personal loan account number XXXX on XXXX/XXXX/XXXX with CitiFinancial and since the account was satisfied CitiFinancial were releasing the lien on the vehicle. 

I never used any vehicle for collateral for the loan that was opened under account number XXXX that was opened in XX/XX/XXXX. I never opened an account with CitiFinancial in XX/XX/XXXX nor do I have a vehicle to use for collateral. Because all of this information is illegal, fictitious, but was also notarized, I would like for you to provide me with the contract for this loan including but not limited to : the vehicle that was used for this loan as collateral and the forms that I signed for this loan on XXXX/XXXX/XXXX. 

After speaking with XXXX in customer service today at XXXX, I was informed that this personal loan, with the vehicle as collateral, was opened in XX/XX/XXXX, this is what 's being reported for the account # XXXX ; but is being reported under a different account number, XXXX with the XXXX credit reporting agencies. 

I would like for CitiFinancial to honor their agreement to delete all information pertaining to account number XXXX and to not be used for the new account number. I would like for CitiFinancial to report the truth, that account XXXX was opened and closed on XXXX XXXX, XXXX. I would also like for CitiFinancial to not create fictitious information to damage my credit and have me to continue to have high interest rates! 

The XXXX and Consumer Financial Protection Bureau will be contacted about these issues. I hope that you will make it a personal interest to resolve these issues immediately. 

I have enclosed credit reports from XXXX and XXXX. I was unable to print XXXX, but the information is the same, and a dispute has been initiated ( Confirmation # XXXX ). I have also enclosed Response Letter for XXXX, Settlement Offer Letter, Satisfied Letter, and Notarized Release of XXXX XXXX and the If you have any questions or concerns, please feel free to contact me at XXXX. 

Thank You XXXX XXXX XXXX XXXX, XXXX XXXX Enclosures
Regional Finance constantly contacted me multiple times per day after making arrangements to pay. They contacted my husband who is not listed on my account and solicited a payment from him. They also provided him with information regarding my account and the account status. He is not on this account or authorized to receive any information. My son dropped off the payment close to their closing time and they refused to provide him with a receipt but took the payment from him. This concerns me because I 'm not sure if the payment was applied to the account. When I called to speak with the store manager XXXX she placed me on hold and neve returned to the phone regarding the issues I was having with my account.
On XX/XX/2018 I applied for an Ally Bank credit card. On XX/XX/2018 XXXX XXXX accessed my XXXX credit bureau report. 

Subsequently XXXX XXXX sent me a letter purporting to be an Adverse Action / ECOA Notice. This notice, required by law, must describe the real and actually reasons why my application was denied. Instead, Ally Bank subtitled untruthful, fraudulent reasons. 

XXXX XXXX simply regurgitated word for word the four factors that FICO Score uses when describing why one 's credit score is not higher than it actually is. 

For example, FICO stated my credit score was only XXXX because : Lack of recent installment loan information XXXX XXXX stated my application was denied because : Lack of recent installment loan information XXXX XXXX 's actions do not comply with the law.
I have a lease with Ally Bank, my vehicle was totaled in an accident, my balance on lease was approximately {$7500.00} and my but out {$37000.00}, responsible party 's insurance paid {$56000.00} to leasing company and leasing company refuses to refund over payment or provide closing statement where did all the excess monies go to as they claim when vehicle totaled they are the owners and get to keep any over payment, if that is the case how come they do not pay for registration ( was paid a month before total loss and refunded by insurance company ) and maintenance of vehicle., i believe this is an unfair and deceptive contracts used by leasing company!!