WillisBack/dataset-financial-user-claim huggingface dataset:
Loan Officer directed Buyer and Selelr to schedule a closing for XXXX XXXX. Closing is scheduled. TCF bank has not answered phone calls or responded to emails regarding the status of borrower 's loan application for more than two weeks and closing is now 2 days away. Loan may possibly have been denied at underwriting level but since TCF is not corresponding / communication with buyer or buyer 's lawyer, we can not know for sure. Buyer is about to default on contract for purchase of property due to lender 's refusal to share this information
This credit card company Conn 's Credit Corp One is reporting on my credit report {$1700.00} of debt. I requested proof baring my signature on XXXX XXXX, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail on XXXX XXXX, 2016 @ XXXX. I also have proof of my credit report printed 31 days later showing they have not marked disputed on my credit report. I am requesting removal on all three credit bureaus because its not mines and they have not gave me anything bearing my signature well over during the time the law required. 

The Federal Laws that they have broken are below : Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Fair Debt Collection Practices Act. And they may be liable for their willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ].
I paid a credit repair agency for almost 2 years {$100.00} a month to fix my issue my ex wife did to me before she disappeared after visiting her home country. All 3 reporting agencies should understand the importance of credit and have let the be aware of my situation and I still have this burden to live with every day.
The lenders are informing me through the phone and via email incorrect information about the money I did n't receive. Payday loan and Ace express cash. They have my SSN but they do not have the correct information. They have my address which over 9 years ago. They keep threatening to sue me if I do n't pay it now.
I have an account with Belks issued by Synchrony Bank. My credit limit is {$300.00}. Account balance is currently {$310.00}. Paid past due amount @ {$11.00}. Received call from agent with XXXX requesting a payment @ {$150.00} which has build up to include interest & finance charges. Informed agent that I 'm on a fixed income, have fallen behind in payments. Slowly getting back on track. Informed could make payment @ {$50.00} on the XXXX of XXXX at which time would receive my monthly XXXX payment. Agent informed that making a {$50.00} payment would do nothing to help the account after my informing this amount is least I can afford to send. Requested to do not call again on my cell/home phones & disconnected conversation. Willing to establish payment plan, but want my payment to reflect as a payment made toward balance. Synchrony Bank has a very bad method of collection. I am working very hard to pay off all accounts associated with them.
I am trying to close my PayPal account associated with email XXXX. 
When I submitted complaint XXXX PayPal responded that I have an outstanding balance of {$380.00}. 

However, when reviewing my account balance there is no evidence available to me that demonstrates I have an outstanding balance of {$380.00}. PayPal may prove with an itemized account statement the outstanding balance PayPal is referring to. 

When trying to review transactions these are not available, please review enclosed video. There is no evidence that I owe money to PayPal. 

I also request that PayPal to provide a toll free number for calling PayPal customer service outside the United States. 

Thank you, XXXX XXXX
Responded to initial contact letter with a timely debt verification request. Collection agency continued collection activity ( calls and letters ) before responding to the debt verification request.
I paid a monthly amount to Ameritech Financial thinking it was going towards my student loan debt, unfortunately it wasnt. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service, and Im really disappointed because i didnt call them or talk to them them and I still got got charged monthly service fees. I cancelled with Ameritech Financial, asked for a refund and would not give me it.
I bank with TD BANK. I have been banking with the financial Institution for 4+years. They are a very selfish, inconsiderate, and their Rules and Regulations are nothing less than unfair, unjust, and there has to be a law to overdraft fees on a XXXX. It outrages me that a bank institution has the right to do this. I have been treated unfairly and very bias as per conversations with Customer Service. I signed up for cash advance for short term knowing i had a deposit for Monday XX/XX/2018 I was not overdrawn from my online banking account than. Tuesday afternoon I was informed I overdraft my account on XX/XX/XXXX, meanwhile I was showing a positive balance and nothing pending. What do they see that I should see and don't. There Bank thrives with no pitty nor compassion when it comes to overdraft fees. TD Bank is charging XXXX for XXXX overdrawn. that started the overdraft to roll. I would like my account investigated for illegal overdraft fees. I am on XXXX and I will not be able to pay my rent due to XXXX plus dollars and fees in Overdraft fees. last month too. very upset. and disgusted. XXXX XXXX
Veteran trying to modify loan, started XX/XX/XXXX, was using XXXX XXXX XXXX benefits but amount is more since goes to school but bank wants EXACT! Have explained and fax and explained and email and still dont listen. Took of school va benefits and used XXXX  job pay stubs on XX/XX/XXXX changed the RMA form and faxed and emailed, always an excuse that cant read so emailed. On phone today XX/XX/XXXX for an hour, talk to rep at loss mitigation, then asked for supervisor was rude, so asked for someone higher, explained same information, was rude also, asked for someone higher left me on hold, re emailed again since keep saying fax no good! As a veteran, just trying to save home, this is the worst bank and is harrasment! So will keep complaining till someone will handle this account, veterans have resources but if bank can not read and rude reps something needs to happen!
Wanted to add more info reguarding my complaint on EXPERIAN REPORTING AGENCY HERE IS COPYS OF ALL MY CERTIFIED MAIL RECEIPT THAT I HAVE SENT THEM ASKING FOR THE FCRA SECTION 609 INFO AND AS YOU CAN SEE THEY HAVE FAIL TO COMPLY..
I have paid XXXX XXXX Card in full for 2 accounts held after going thru a financial crisis. it has been more since XX/XX/2017 and XX/XX/2017 that  these accounts has been paid. they have failed to update my payment status to paid or delete the file as requested upon payment. i have XXXX XXXX multiple times i have called the collection agency XXXX XXXX XXXX begging to update this information i have send disputes to XXXX  XXXX and XXXX  and the fail to update or remove my credit files. i've paid in good faith to redeem my good reputation after my hardship. this is greatly hurting my process to buying a home
The student loan accounts are reporting after they were removed from my credit report. The debt was sold and re-reported! I have sent the collection company all documents as proof, the debt was not mine. They mentioned there was no contract on file and that it would be removed. It has not!
I reported fraud in XXXX, took over 90 days to follow up on the report. I called every couple of weeks to follow up. I had a new answer every time I called, at one point one of the customer service reps told me they didn't have a fraud department. They would hang up on transfer me around. This is the worst company I have ever dealt with. I asked them to correct the wrong amount on my credit report and they have still failed to do that.
Hello my name is XXXX, I am purchasing a home that has a reverse mortgage and is a short sale. The short sale lender is refusing to pay the past due property taxes. After doing some research, I came across a master servicing agreement that states ; its the servicers responsibility to pay the property taxes. So why am I being forced to pay a fee that is the servicer responsibility as per this agreement. They are forcing this additional cost, which may cause me to have to come up with an additional {$4300.00}. Also, since they owned the home prior to me closing, should they not provide me a credit proration on my CD from XX/XX/XXXX till the day of closing, and how would this work if I 'm being force to pay such fee?
I applied and received a credit card from USAA with a 0.0 % APR for balance transfers. After I was approved, I found out that balance transfers would be at 12.9 % APR. The day after I applied and was approved, I went online, and all mention of the promotion on the USAA website was gone. I called and asked them to look into what happened. On XXXX XXXX, USAA send a letter ( attached ) and said that they found the problem, and that they would now apply the 0.0 % APR to my balance transfers. However, because of the problem, I did n't make any balance transfers because I did n't want to pay the 12.9 %. The promotion ended in XXXX 2015, and now USAA says that I can not transfer any balances and receive the 0.0 APR. They said that regulations prevent them from honoring the original agreement and that I should have transferred the balance before the offer expired. All I want is to transfer the balance of another card and get the 0.0 % APR they offered when I applied for the card. I have banked with USAA for many years, and they have been an excellent organization until this incident. I have discussed the problem with XXXX levels of their customer service, and they have been sympathetic, but unwilling to honor the original agreement. 

If I had been able to transfer the money when I received the card, I would have saved about {$500.00} in interest that I could have used to pay down my balance ( which was the sole reason I for applying for the card ).
Good morning. Ive been on Chex systems for a couple years now. Ive been trying to open a checking account but when I apply to serval branches they decline due to Chex systems. I had a fraud activity when I was younger with XXXX XXXXXXXX XXXX. They stold my card and I spoke to the banker and they close my account. Later on I have to pay a return fee balance which I did. It happen on XX/XX/14. They are not helping me remove something that didnt cause by me Chex systems when I call are very rude and not helping. I need to know if Im able to open a account now its been years and I have a right to do that because I never had this problem in my life. This is ridiculous and Im highly upset and if I have to sue the company of not understanding my issue or accusing me this was my fault I will do so. I need some one higher of a company to help me with my issue.
I had a XXXX investigation going on with Equifax. I had investigated around XXXX things on my credit file that were deleted. This is my personal opinion, when I setup a investigation throw you all it seem like my item were deleted faster from my report. When I viewed my Equifax credit report they even remove all my good credit. I have at least XXXX items that stated paid as agreed never late. Now every negative thing that was deleted off my credit report is now reporting back on their again. The only thing Equifax did not put back on their was good credit. When I call Equifax they were very nasty to me not professional at all.
My mother refinanced a home in XXXX. As her trustee and executor I 've been paying the mortgage to present. In XXXX XXXX, I contacted the lender to inquire if there was a prepayment penalty. They said there is no prepayment penalty so I wired {$100000.00}. The person I spoke to said that the mortgage would be re-amortized. However, I was not informed at that time, that this would be an automatic re-amortization. Later I was told, that I had to either assume the mortgage, or I needed to sign a re-amortization document that only had my mother 's name on it. 
As executor of my mother 's estate I transferred the property to myself. While I do n't see any advantage to assume the loan I would n't mind if it did not cost anything. The lender said that it would cost $ XXXX to assume the loan. On the other hand, the lender advised that I can sign the re-amortization agreement except this document only has my mother 's name on it. My bank notary said the document needs to be amended to have my name as executor or trustee on the re-amortization agreement. The lender 's representative said I should just go to another notary. I pointed out that the notary checks my ID so how can I sign a document that does n't have my name on it?!
I have just learned that XXXX sent my debt to an outside collection agency, which is weird as they normally collect from their own collection agency. I have not recived communication from them to my knowledge, but they have contacted my mother the co-signer. The school I went to was convicted of fraud and ordered to pay back {$500.00} million in student debt. XXXX XXXX XXXX, a part of XXXX XXXX XXXX. My debt qualifies for discharge according to the lawsuit and I believe this debt should be collected from XXXX XXXX XXXX and is no longer owed by me. I also believe XXXX sold my before 180 days. I did not stop paying XXXX, they stopped collecting and I was NEVER informed of any period of time the program ran for. I found out in a web search of another XXXX  borrower in the same program saying one was supposed to apply every year. XXXX had charged me for 3 years uninterrupted without mention of needing to renew yearly.
- Company name : FIRSTSOURCE ADVANTAGE , LLC - Dates of contact : XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX   - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX -  XXXX XXXX   - call ( 1st voicemail ) - Complaint : As referenced above, Firstsource Advantage , LLC has attempted to contact me ( 7 ) times. Firstsource Advantage , LLC has not sent me any letters attempting to inform me of the claimed debt nor has Firstsource Advantage , LLC given me an opportunity to dispute claimed debt. 

On XX/XX/XXXX I recieved my ( 1st ) voicemail from Firstsource Advantage , LLC informing me of their debt collection attempts, along with a 'reference number ' and phone number to contact their offices through. 

On XX/XX/XXXX at, or around XXXX XXXX  I researched the number I was contacted by through XXXX and found Firstsource Advantage, LLCs ' contact number ; I informed an individual that I demand Firstsource Advantage , LLC makes no further attempts at contacting me. I then called the number I was originally contacted by [ XXXX ] and informed a second individual that I demand to not be contacted any further about any claimed debts. 

Firstsource Advantage , LLC is in clear violation of FDCPA Section 1692g ( a ) which requires a debt collector to send a written notice of a claimed debt to a consumer within five days of the collector 's initial attempt to collect a debt and specifies what information the notice must contain.
received collection letter from TCI ( Total Card Inc ) for a debt received from XXXX XXXX XXXX received from XXXX. My XXXX account is current and I have had no other account. My local XXXX office has moved. I asked for validation and verification of debt and to have it removed from my credit report and received a letter stating they would attempt to do so. That was well over 3 months ago and they are now not responding. I am forced to use this avenue and small claims court here in Montana to resolve this issue.
I have submitted the required documents several times, also cited the FCRA 605B protections for identity theft victims and still Equifax fails to comply with the law. I was a victim of identity theft and a few companies refuse to stop reporting unless I pay them I filed a police report and sent to all CRA and both XXXX and XXXX blocked the fraudulent information per FCRA 605B. Equifax continues to file disputes with the companies that always come back verified with no documentation. This is my final attempt and I will also include an intent to sue Equifax if they continue to report false info on my credit.
I have a 120 day delinquency from 2008 on my credit report with my previous mortgage provider that i 'm unable to have removed.
I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Chase Mtg. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
I have been a customer with Capital One for over 8 years. I have never been late on my account since I received my credit card. I set up auto pay with there company and my payment comes out of my bank account every month on the same day. In the month of XXXX my minimum payment was increased by XXXX dollar from XXXX dollar to XXXX dollar. Capital one reported my account as late because the extra dollar was not paid, which in turn decreased my credit score by 65 points. I called Capital One and explain what happened to my credit score as a result of them reporting my payment as late and unfortunately they refused to remove the late payment from my credit report. The XXXX was paid as usual, but they informed me that it was considered a late payment. As a result of them putting this entry on my report, other creditor began decreasing my credit limit on other credit cards, which lowered my score even more. Capital One could have easy updated my information with all the credit reporting agencies, but they refused to do so.
I have tried to get this resolved on several occasions. XXXX does nothing with the dispute process. I have written letters and still have not gotten any resolution. I have been informed that LexisNexis is reporting the wrong information to XXXX. I have tried to do a dispute through LexisNexis and still have not gotten any resolution. This tax lien that appears on my XXXX credit report is an error. I have provided documentation to support that but they still refuse to remove it.
Checked my credit in XX/XX/XXXX and noticed an item in collections on my report that has n't been there. It is for {$500.00} and from company called Security Credit Services. I called them and asked what it was and they said from a company called " XXXX XXXX '', I told them I did not know who XXXX is and needed something mailed to me with my signature on it showing it was mine. They replied that they could only send me a letter but it WOULD NOT have my signature on it. I told them no, I needed something proving I owe this amount because I am working really hard to get my credit right, they told me they did not have anything. I called XXXX and XXXX in XX/XX/XXXX, XXXX and XXXX of XX/XX/XXXX and asked them both to send me whatever this company sent them to get it on my report. The first time I called the lady told me they could n't send me anything and the second time I called the man said he would send it and I have n't received anything. When I looked on my report it said " dispute closed '', so I called XXXX and XXXX again in XX/XX/XXXXand they just said it has been closed with no explanation. I called Security Credit Services on XX/XX/XXXX( today ) and they again told me they did n't have anything with my signature on it and they got the information from " XXXX XXXX '' ( man was rude ), so I asked him to mail me what XXXX gave them and he again said he did n't have anything and he said " your not going to get it, I do n't have that ''. The number on my credit report for Security Credit Services is XXXX and they told me it was n't even them, then they told me XXXX XXXX put it on my report but it says Security Credit Services. No one can provide me with anything with my signature on it. I do n't know how XXXX  or XXXX ( and I 'm sure its on my XXXX credit report too ) can just add things on my report without any proof. They need to send me something with my signature on an agreement that I owe this amount or they need to take it off my report. Those involved are : Security Credit Services XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the contact information I have
INTERNET COMPLAINT RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX, WA, XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX Name/Firm/Company : ocwen loan servicing Subject/Category : mortgage modification process Street Address : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, FL XXXX XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX Questions/Comments : My family and I are experiencing a financial hardship. I have been trying to process a modification application for the last 6 months and ocwen has made it impossible. 
Ocwen has refused to process my application. Ocwen continually looses documents that my wife and I submit to them for the application process. 
Then when I verify that they have received the documents, they ( ocwen ) will switch my process application to a different account manager who has to start the process all over again. Again this has continually been going on for 6 months. 
This hardship is due to loss of employment as I had to take an early retirement which resulted in a loss of substantial income. 

The desired outcome is to have ocwen financial services process a mortgage loan modification plan which would substantially help our family through this financial hardship
I opened 2 credit card accounts with Bank of America as Ive been an existing customer for quite some time, i opened the accounts as i needed the funds for specific reasons. I have never been late on an existing or new account and have been ALL my bills on time. However the bank did a periodic credit investigation and found i charged too much and and balance was too high. I wouldnt have opened the line of credit if i didnt need it. However rather than look at my payment history or allow time to pay down the balance they closed all of my accounts causing my score to significantly drop to where i can not apply for credit. 
I understand rules but i can not understand how such a large establishment can cause such egregious harm to a consumer. 
This has caused unneccessary hardship!