WillisBack/dataset-financial-user-claim huggingface dataset:
This is my third complaint against Ditech Financial LLC regarding Account No. XXXX. On or about XXXX XXXX, XXXX Ditech, for the first time since XXXX XXXX, acknowledgement their own Reaffirmation Agreement, the change in contract terms, including payment and interest rate. However, the letter ( attached ) indicated a past due balance of {$2500.00}, agreeing to discontinue collections, and place the past due amount at the end of the note. We have since sent another letter to all credit bureaus and Ditech providing evidence of payments in excess of those amounts due for years XXXX through XXXX. 
On XXXX XXXX XXXX, I spoke with XXXX XXXX, Director of Customer Service, who promised to get to the bottom of our problem On XXXX XXXX, XXXX a Ditech representative contacted us and said the account was corrected, no longer past due, and the credit bureaus had been corrected as of XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, XXXX, XXXX, XXXX we received collection calls from Ditech for amounts past due. 
On XXXX XXXX, XXXX we received a certified letter stating we were in default, and had 20 days to pay in excess of {$2500.00} or be in default of our note. 
Clearly, Ditech has no accounting department, or very inept personnel who can not maintain accurate records. I have personally maintained a spreadsheet of every payment since the date of Reaffirmation in XXXX, XXXX, which is attached. Unless the CFPB can assist with this ridiculous creditor who can not obviously maintain accurate records, I am not faced with pursuing legal alternatives since we are obviously out of options. We appreciate any assistance you can provide since we are obviously on daily collection calls again even though we have multiple letters to GreenTree / Ditech to cease and desist all calls to our cell phones and employment. The attached spreadsheet identifies the collection efforts in the last few weeks. Thanks you, XXXX XXXX
I received a XXXX pre-paid card in my name when I never applied for one. The account was opened in my name and sent a card ready to use. I never wanted one nor will I ever want to open up one with them. I have never even heard of this company. I cant understand why they would do something like this. There is normally a process involving talking to the customer etc. I still cant understand how they did all this without my permission and me starting the process and talking to them. They need to quit doing this to people and cancel mine.
I have been trying to do a loan modification with Ocwen bank since XXXX of 2014. I have been given the run around and submitting the same items and a complete file multiple times. All of this time they said I do n't have a complete file. XXXX of the reps, XXXX XXXX, from the loss mitigation department suggested that I send in a letter requesting to cancel the modification and restart the process. He suggested I wait a week before I resubmitted my file. Then the bank put the home on auction to be sold. The rep said do n't worry he can post pone the sale as soon as the file was uploaded. The sale was postponed for 45 days but then XXXX days after receiving my complete file they denied me for a loan mod for reasons that the investor would n't allow it. 

I asked if I could then sell the property to avoid foreclosure and they said there is n't enough time but that I could try. 

I simply want to be able to avoid foreclosure and be given the time to list the home and sell it out right.
Citibank requested that I update my account information, which I have been doing for the past several years. Each time I speak to them, they claim to have updated my information. For months they have been threatening to close my accounts. I have received mail and this alert also appears each time I sign into my online account. It has caused be serious stress throughout this time and has consumed hours of my time on various phone calls to address this issue, which each time, in spite of their promises to resolve it, remains a problem. I live abroad and my access to my account is crucial to my well being and security. In XX/XX/2018, I had another call with a representative who promised this would be resolved and escalated to analysts to have resolved. And when I called again in early XXXX, they promised to escalate this to their analyst yet again and that I would hear within 48 hours by email and by phone. They never reached out to me. Today ( XX/XX/2018 ) I called again because I continue to receive the same ominous messages and threats and they continue to claim it will be resolved without a clear confirmation. I am still receiving these threats, which they are not taking seriously. They have kept me on hold for hours and have ignored my requests. I am unable to terminate my account and move my funds and all direct deposits because I'm an expatriate living abroad. This is unacceptable and their negligence is a clear indication of their discrimination of their customers who are not large profile business accounts. They have violated their own terms of service with their customers and I am requesting that action is taken as soon as possible.
I filed a complaint on  XXXX   XXXX ,   XXXX   against  XXXX   XXXX  see case number  XXXX  This is the same matter from  XXXX   . T hey have been attempting to recover a " debt '' which I do not owe and keep on giving the debt for collection to different debt recovery agencies ; this is the  XXXX  one!   This started  XXXX   XXXX ,  XXXX  when  XXXX   XXXX  attempted to collect a debt for  XXXX . I demanded proof of the alleged debt via certified mail and never received a response. Then in  XXXX  of  XXXX , I receive the same attempt from another agency-  XXXX   XXXX   They dropped the claim and now I received another attempt from Convergent  XXXX . I do not owe  XXXX  anything and they have never produced proof of anything owed to them but keep on giving this alleged debt to different debt collectors.
My cousin from XXXX wired {$1300.00} to my bank account, however my bank only posted {$1300.00} to my account. Then my cousin wired another {$130.00}, but only {$110.00} was posted. My bank also charged me {$10.00} for each wire on top of what they posted. I called my bank to find out why they posted both wires that were {$20.00} short for each wires, and the person that I spoke to said that those are the only amounts that they received and that advised me to have my cousin go to his bank. My cousins bank said it 's on my side. I just do n't know what to do, both banks are pointing at each other, and I do n't know where to go.
XXXX XXXX XXXX contacted me by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX telling me that I owe {$1000.00} to XXXX XXXX XXXX. I do not owe this, as I settled the matter with XXXX on XX/XX/XXXX in a mutually agreed settlement. I provided XXXX XXXX XXXX with proof of XXXX XXXX acceptance of the settlement on XX/XX/XXXX in response to their first collection letter and explained to them that no debt exists. They have ignored this and continue to bill me. The only thing they have sent me besides letters demanding payment is an irrelevant copy of a patient agreement with XXXX from before the settlement. 

The Fair Debt Collection Practices Act forbids attempting to collect a debt that is not valid. In this case, XXXX XXXX XXXX knows ( or should know ) that there is no valid debt. I have provided proof that there is no valid debt, and they do not dispute my evidence, but they continue to send letters demanding payment, in violation of the Act.
Best Buy, who  uses Citicard sent a letter containing an extremely low credit score and misleads recipients into believing it 's the agency provided credit score when it is, according to Citibank representatives an internal score derived only in part from the official credit score.
I have been charged interest on my 0 % APR card for the 3rd month in a row. 

I submitted a claim for the first two months : XXXX The issue has not been resolved.
In XX/XX/2018, XXXX XXXX XXXX received certified letter requesting proof of original application, contract, any an all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ), XXXX XXXX is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition XXXX XXXX received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since XXXX XXXX has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.
Someone else have my identity stole. That persona have my social security number and driver lincense number and my Home Andress as me! I never get those service this medical data system want me to pay to XXXX medical center Im provide the enough prove to confirm I wasnt me the person .. Im asking to make a fair decisions and stop report it to my credit and stop sending bill I dont own is very hard for then to be believe wasnt me but the sending me inaccurate information about this I never singnature any document to you or never get any attention from this hospital at this time
I was going through my accounts on XXXX XXXX I noticed there was past information being reported on my accounts on transunion XXXX XXXX XXXX XXXX this was all settled. on XXXX XXXX XXXX  XXXX XXXX XXXX this was all settled as well and I think is the same thing they are referring to. 

The situation Is the government said they would wipe off the debt back in 2017 if anyone has additional questions feel free to call me. I just want this inaccurate information removed from my file.
They keep calling me on a debt that is past its statute of limitations. I told them that they legally can not collect and he said that I was wrong. He threatened to call me everyday until the debt is paid. After he yelled at me for a minute, I hung up. This is not the first time that have tried to collect this debt from me. It has been 14 years and a lien was never filed. I know my rights.
During XX/XX/XXXX, I spoke with a Fortiva customer representative to set 3 payments to close out my account. On XXXX XXXX, 2017, XXXX I received a call saying my account was not update. I asked to speak with a manager. She explained their records show were no records of 3 payment made. We went back and forth. I finally decided to make a payment. Which she requested that they systems could not make any additional payments. I demanded to never call my phone.
I saw on my XXXX credit report that there is an account in collections that does not belong to me ( fraud ). I called the collection agency that is listed on X/XX/17 and they were unable to find any account tied to my name and social security number. However, they refuse to remove the account from my report. I also disputed the claim on X/XX/17 with XXXX. They did not remove the fraudulent account from my report.
on XX/XX/XXXX, 2017 I faxed a dispute to XXXX 's regarding a XXXX 's account that 's reporting to my Experian and XXXX credit report in the amount of {$310.00}. I was told to allow 30-60 days to investigate, its been past 60 days and I have not received a response. I have attached the dispute with successful fax transmission.
Hello Sir / Madam, I have a XXXX ( XXXX ) Mastercard credit card supported by XXXX XXXX ( XXXX ) since XX/XX/2015 with a high credit limit. I use XXXX XXXX  / XXXX  online payment to setup payments of the outstanding monthly balance IN-FULL for the XXXX / XXXX XXXX credit card and did not have a single late payment situation. In fact, have used the XXXX / XXXX service for over 10 years with no incidence of late payments with this credit card or any other payments made via the XXXX/XXXX setup. 

Problem : Bogus late fee and financial charges levied for large balances About 4 months ago, besides the smaller transactions, I made a large purchase that bumped up the outstanding balance to over $ 10K. We sent the FULL payment as we always do, but this time, the XXXX XXXX fraudulently failed to credit the payment in a timely manner even after they received it on time. They charged me a late fee and a financial charge. I contested the issue and they agreed to refund the late fees as well as the finance charge. 

Last month, I again made a purchase with the XXXX  / XXXX XXXX   credit card that pushed the outstanding balance to over 10K again. Given the experience of 4 months ago, I scheduled the payment two days prior to the usual date. Lo and behold, I found that the payment was credited late to my account. They fraudulently charged me a late fee ( {$27.00} ) and and a finance charge ( {$150.00} ) for a two day delay. I disputed the late fees and finance charges. I even provided the bank with evidence that the money was sent and payment debited from my bank account 4 days prior to the due date. First off, one agent told me that I should send payments 15 days before the due date. I found that very absurd because I sometimes receive the paper bill less than 15 days before the due date. 

I opened a dispute with them. After having reviewed the evidence I provided, the XXXX XXXX agreed to refund the late fees of {$27.00}. However, they refused to refund the finance charge ( {$150.00} ). I find this charge outrageous since they accepted that I had sent the payment on-time and they even believe me so agreed to refund the late fees. The bank also claimed that this was a second instance of late payment so they can't help me any further. 

Strangely, this late crediting of payment only occurred for large payments and not for any other months. I called XXXX  and received no help from their customer service. They washed their hands off and directed me to the XXXX XXXX customer service. I get the feeling that they are somehow working hand-in glove. Can you please investigate XXXX and XXXX XXXX for illegal and consumer unfriendly practices? 

I wonder if other banks are also doing the same to their customers.
I made an additional {$1000.00} payment on my Usaa auto loan. Their website defaults to principal and interest instead of the full payment being applied to principal. That in itself seems very unethical to me. This payment was on top of my regular monthly payment. I tried their chat function to fix immediately with no luck and just spoke with a representative that told me the only way to fix the problem would be for the account to show a late payment as they would have to reverse the additional payment and reapply the whole payment to principal which would then show the additional payment as a late payment? That is very unethical and unfair. Their website should be corrected to default to principal only and this should be easier to fix .... without my only option being to show a late payment on my account balance. So unethical and inappropriate.
CitiBank reported a 30 day delinquent payment to the credit reporting agencies on my behalf. This submission came after I spoke with a Citi representative who informed me I was in good standing and up to date on my payments. The reason I contacted Citi in the first place was to ensure I was not delinquent on my payments, since I'm well aware of what delinquent payments can do to a person 's credit score. I had not used this particular credit card in a number of months and wanted to make completely sure I was in good standing. Roughly 10 days later I see that my credit score has fallen 100 points. I immediately started calling each of my credit card providers to see what the issue could be. After speaking to Citi they informed me that I had a 30 day delinquent payment. I did not receive ANY notification from Citi that my payment was late, including in my online portal, via email, via phone etc. again, I had spoken to a Citi representative just a couple of weeks earlier who  assured me my balance wasn't due until the following month 's billing period. When I asked Citi to resolve this they told me to fax a physical letter to the " Citi Credit Bureau Disputes '' team. I have since faxed 4 separate letters and have not heard one response from Citi.
I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX
In XXXX of XXXX, I became separated from my wife. She returned to the household without permission in XXXX and my daughter and I moved out in XXXX. I had to change account information in order to protect myself from her paying off her credit cards on her own account. So used checking account to pay off Mortgage Payment in XXXX and XXXX. The letters were sent out and postmarked before the end of the month, but XXXX marked them as 30 days late because their processing was a few days after the end of the month. <P/>XXXX has processed loans later than the beginning of the month but has never reported me as late. They have responded with form letters and sent me a list of dates when my loans were processed which included payments posted after 30 days which they received within the 30 day window. I have requested info but so far I can only access the last 12 months. I have request the date received on these payments and they can not supply them. They do n't know when they got these checks so how can they penalize me and ruin my credit arbitrarily. <P/>I have included the XXXX payment that was accepted on the XXXX and not marked late. I have included my letter to XXXX. When I did an adjustment to my mortgage they told me that they could n't consider it until I was at least 60 days behind and then they processed the adjustment internally and did n't defer the three moths payments and caused derogatory credit marks that my relationship manager failed to disclose would carry over after workout period. My daughter 's medical issues and impending divorce are problems compounding their arbitrarily trashing my credit report and I am grateful for your intercessation and available at XXXX to discuss. <P/><P/>Thanks for your help, XXXX XXXX
I got a loan from santander bank and between them and the dealer where the car was purchased a better way is the name of the dealer ship. They gave me a loan I can not afford I bring home XXXX a week and my car payment is XXXX a month. I live in XXXX and the car dealership is in XXXX The dealership had us there for several hours had us put insurance on the car before they said what the loan amount would be even though I asked what the payment would be the salesman said I do not know you have to ask the finance department. I know that santander has already had to pay a class action lawsuit against them for the same thing.
I tried to close out my loan with Ditech on XXXX XXXX. Our reoccurring payment was supposed to process on XXXX XXXX. However, they processed our payment on XXXX XXXX and then did n't close out the loan until XXXX XXXX, holding our overpayment " hostage ''. We contacted them on the XXXX when the payment came out and they said they ca n't cancel it. Then the system was down from XXXX XXXX XXXX and during this entire time frame we were unable to get any information about our loan. Now on XXXX XXXX they still can not give me any information on the status of the refund they owe me, only that it will be evaluated at the end of XXXX. I can understand if it takes awhile to process the check but I should be able to know my exact account balance daily - not over a month later.
Last year on XX/XX/XXXX. My husband XXXX XXXX. We had a XXXX loan with mortgage insurance. I Called XXXX XXXX/XXXX ( spelling ) and informed them. First of all they only record calls they want. I explained that my husband passed suddenly. They would n't speak to me because my name was n't on the loan. Last I looked Calif. was a 50-50 state. When I finally was able to speak with someone they wanted the death certificate. It had n't even been published yet! We were not behind. But I did send them a copy and they signed for it. I was then told I had 3 days to vacate my house or they would send the sheriff to put me out. I got so XXXX I ended up in the hospital with XXXX XXXX. i told them I would need at least 3 months. So as not to become homeless or a bag lady, I sold everything and purchased a substandard home in another state. They told me not to worry about owing on the house because nothing was in my name. Then every month for a year plus they sent me bill after bill while saying they did n't have to talk to me or offer me squat on saving my house there. They said the house was foreclosed on and sold in XX/XX/XXXX at auction. Then Shellpoint mortgage opened an escrow in my XXXX husbands name and has started sending me bills! I called them twice. How illegal is it to open accounts in a XXXX persons name and then harass the widow each month by sending them a bill to their XXXX husband? Each month it rips open the wound of losing my husband. I want them to stop, my health is not great. Their should not be any accounts opened in his name period by any predator, sham companies.
I go to XXXX XXXX hospital and then the send a medical bill is {$3200.00} and then I said I have no capacity to pay the bill. I want to make payment arrangement. But the do n't say nothing. The send my bill to debt collection agency. And right now the collection agency charge of interest with my medical bill. So right now what I do.and I already contact to agency to make a payment arrangement like {$40.00} as month.
Debt was paid in full. 

Collection agency violated section 15 U.S.C. 1692 of FDPAAsloduring discussion with agency they failed to provide accurate information despite my attempt to secure sameThey reported an inaccurate debt to credit bureau
I have already informed TransUnion over two separate phone calls this account is fraud and was removed in 2017 after being identified as a fraud with their company and a police report. TransUnion has refused to have the account removed without a dispute process although it has already been identified as fraud and therefore it is negatively affecting my credit until it is removed. This is unethical, immoral and illegal activity. The account must be removed as soon as possible account : XXXX ( XXXX XXXX XXXX XXXX ) amount : ( closed ) {$14000.00}