WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained a loan with GM Financial in XX/XX/XXXX for over XXXX. On XXXX XXXX, the car was totaled. My insurance company received a payoff in the amount of approximately XXXX. They offered {$14000.00} which was credited to my account on XX/XX/XXXX. 
I was past due in my payments and an amount of {$1500.00} would have brought me current on XXXX XXXX. We are now in XXXX and I checked my account which stated I am still past due with a total amount due of {$1500.00}. I have spoken to numerous " agents '', all who have told me that I am still past due because the monies received came from a XXXX party and not me. I raised numerous scenerios, all which irritate the " agents '' more at which one in particular ( XXXX, agent XXXX ) told me the real reason why she is not going to work with me about my concern is because my account is coded as a do not contact and I ask too many questions and I have a " harsh tone ''. These are the questions I asked:1. SO if the check came from an uncle I would be considered late? 
- no because he is not a company2. If the check was for the full amount would the late fees be returned to XXXX and I will still be responsible for the late fees? 
- no ( no reson was given, it was at this point they begin to argue with the terms of my agreement ) 3. If I received the monies from XXXX XXXX and sent the payment myself then would I still be considered late? 
- no, because we got the money from you. 

Here I am, unable to get a car because this company wants to be retaliatary and continue to code me as past due. Agent XXXX stated he can not give me anything in writing regarding how they process payments because there is not one available, and other agents have said things from, call an attorney, we already spoke to you about this, or wanting to argue that I still owe because the full amount was not received, which was not the issue in the first place. The issue is how can I continue to be past due on a loan that had a minimum payment due of {$1500.00} but they received payment of {$14000.00}?
Regarding a loan with Bank  United  in  XXXX , FL : The loan was originated for {$710000.00} in   XX/XX/XXXX  a nd was a negative amortization loan for a property in  XXXX , VA. It peaked in cost at approximately {$760000.00 } ( du e to negative amortization ) in la te  XX/XX/XXXX  ( Bank United has been unable to provide me exact numbers to date ). In  XX/XX/XXXX  the loan was modified by Bank United to its current state ( Bank United did this of its own acc ord ).   The property price was over-inflated and the bank did not use appropriated methods to approve the loan. Despite repeated requests over the years, the bank will not modify or refinance the loan and the home can not be sold for anything close to the outstanding amount of the loan. The only offer received has been for {$380000.00} and the outstanding balance is {$680000.00}.   I have repeatedly asked the bank for information and accommodation to no avail.
There is a fraudulent charge on my account. I have spoken with my Carnival mastercard company about the issue numerous times. After months of answering every question and sending every document requested, the financial institution told me from XXXX different representatives that the case was closed and the funds would be credited back to my account. I never got a credit and when I called back they were very rude and acted like I had never spoken with them about the issue. I have each call documented with date and time, however, they refuse to check their notes to confirm.
I was in the process of being foreclosed on I paid ALL costs on reinstatement costs however, the following week after paying Bank is saying I still have a negative Escrow balance. The final figures are NOT accurate.
Within the past few months Synchrony Financial has consistently been lowering my credit limits to what is owed without my knowledge! This is lowering my score since the available credit is no longer there.Those that have been paid Synchrony has closed, again without my knowledge! The mix of losing available credit and closed accounts has had a major impact on my credit score! After reviewing my credit reports I have found that Synchrony is being very unethical if not borderline Fraud in their reasoning, stating " Number of accounts with delinquency '' What accounts?

" Time since delinquency is too recent or unknown '' Because there are none!!!

" Number of inquiries was a factor in determining score '' Purchased 2 new vehicles, Dealerships are to only be counted as one inquiry!

Proportion of balances to credit limits are to high.. really, that 's what happens when you decrease ones credit limits to the balanced owed! 
It won '' t allow me to attach my credit reports but here is a snapshot of my accounts Standings : XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX + {$2200.00} In good standing XXXX-XXXX Reported : XXXX XXXX, XXXX + {$3700.00} In good standing XXXX/XXXX Reported : XXXX XXXX, XXXX + {$2700.00} In good standing XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX + {$1600.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$9000.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2100.00} In good standing XXXX XXXX  Reported : XXXX XXXX, XXXX + {$400.00} In good standing XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX + {$17.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$590.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$8200.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$2300.00} In good standing XXXX XXXX XXXX./XXXX Reported : XXXX XXXX, XXXX + {$1400.00} In good standing XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2200.00} In good standing XXXX/XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$300.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$990.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1900.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2200.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$3400.00} In good standing XXXX  XXXX Reported : XXXX XXXX, XXXX + {$2800.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1800.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$650.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$1400.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$1800.00} In good standing XXXX XXXX XXXX - XXXX Reported : XXXX XXXX, XXXX + {$900.00} In good standing XXXX Reported : XXXX XXXX, XXXX Closed Gas Card XXXX Closed Veicle repair card XXXX Closed Vision and  eyewear XXXX XXXX Closed Tire store where I get oil changes and service These accounts were all in good standing and Synchrony chose to close them
Please refer to prior Case Submission XXXX. I received from XXXX XXXX Office of the President of 5th Third Bank and have contacted and left several messages on her office phone XXXX to address such issues. I was paid monies that were owed to me I believe on stolen bank accounts that was addressed in my prior correspondences. I indicated that aka XXXX XXXX is the individual who had the contacts at your bank to put a bank account onto my XXXX Credit card and paid monies from that bank account onto my XXXX CARD to pay down my credit card bill that monies were owed to me for services rendered on a marketing campaign. I was not involved in knowing who the parties were etc only that monies were paid out for services and payment was supposed to be paid back to me via my credit card. XXXX XXXX acted in concert with XXXX XXXX who has a XXXX XXXX fraud case with the CFTC and monies were probably used to pay his legal bills. The only accounts that I knew what was entered into XXXX as a transaction number. This was a well fueled scam that both defrauded the banking system in addition to myself. Mr. XXXX deals with cryptocurrency and he used his knowledge in the banking world to perpetrate this heinous crime. 

I called several times to go over this with Ms. XXXX and as of today still has not returned any phone calls ... The number of gave her was my cell phone XXXX or one of my office lines XXXX. 

Since the bank security was violated I would not be out my monies if they were not able to violate the bank information that recycled this scam. If the public was to understand this type of crime that the banks are allowing insiders to gain access to individuals accounts this would ruin the banking system .... I want the monies that were rightfully owed to me and for the banks to police their internal policies better to protect people like myself
I sumitted a error on my report to experian telling them I never received my credit cards in my XXXX XXXX where they said they had sent them. XXXX XXXX of Delaware agreed to Delete XXXX XXXX of Delaware from my credit reports the only credit Bureau to delete so far is  XXXX, need this deleted from experian today
I was lead to check my credit report during the time I started to work towards purchasing a home. I found that XXXX XXXX XXXX was reporting for an unpaid debt and sold to a third party collection company. The original creditor refused to even speak with me in regards to this account and referred me to the the third party agency, XXXX XXXX. After contacting the collection agency, I found that this account was established by my mother ( who is now deceased ). Ive sent proof that I was not responsible for this account, during the investigation, I requested information pertaining to this debt to no avail. Since the investigation, Ive decided to settle on this debt due to the hinderance in the process of purchasing a home, however, Ive since disputed both creditors and have yet to receive any supporting documentation pertaining to this debt.
Nissan motor acceptance is reporting twice on my credit report, they have already charged the account off and sold it to another company which is also reporting on my credit report
Experian is, in my opinion, ruining my credit report on purpose. I am amazed at how inept they are being about fixing their own mistakes. I have sent them XXXX letters so far, highlighting exactly what was wrong and what they needed to fix and they have been responding with ludicrous statements basically telling me that I am the one who is wrong! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history AND BALANCES! CAN YOU BELIEVE THAT!?? 

2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 

3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX # *********** Requesting Remove Item 30 Days Late Payment XXXX XXXX Account # XXXX I had a XXXX XXXX Account ending last XXXX # XXXX They have been reported late payment 30 days on XXXX XXXX all XXXX credit reporting agencies Experian, XXXX. 
But I am already contacted with them and they removed 30 days late payment above account on my all credit reporting agencies on XXXX XXXX. 
XXXX completely deleted there credit file ( Refer attachment Protect ID Experian report and CPFB XXXX XXXX responded XXXX already deleted ) XXXX also They removed on XXXX/XXXX/XXXX .But again XXXX XXXX reported on XXXX XXXX as a Late payment XXXX above account on XXXX report XXXX After that I complaint Consumer Financial Protection Bureau ( CFPB ) ON XXXX/XXXX/XXXX They believed XXXX XXXX send wrong information and XXXX deleted above late payment on their credit file ( refer CFPB Case number XXXX and copy attached ) Now up to date no longer shows my XXXX credit report above Late payment on XXXX there credit reports. But your reporting agency still shows above account as a Late payment. 
I submitted XXXX XXXX and XXXX XXXX though Experian to follow up my investigation above account but XXXX XXXX they response was asking supporting documentations. ( XXXX XXXX and XXXX XXXX letter attached your reference ) They failed to response with 30 days time period. Consider all facts and please helped me out to re-investigation and delete late payment XXXX account number ending XXXX Thanks XXXX XXXX XXXX XXXX
Good Evening. 

So, in 2017 I submitted an investigation with your agency the CFPB with regards to the only inaccurate account on my XXXX, XXXX and XXXX, an inaccurate collection account reported by a XXXX XXXX. 

Within days of my investigation request, XXXX XXXX replied to us acknowledging error and deleted the inaccuracy ... 

Today, I discovered XXXX XXXX has now again, started to report the exact same inaccurate account that you helped me previously resolve ; I believe this is a clear violation of the FDCPA Act and this false credit tradeline obviously needs to again, be removed immediately- Very unfortunate collection outfits like this can so easily report this information and I thank you again for your assistance. 

XXXX XXXX
I had a Chapter XXXX dismiss 7 years ago. I filed and had discharged 7 years ago. I understand the Chapter XXXX remains for 10 years but the Chapter XXXX is to be removed after seven years. It is hurting my credit that XXXX Bankruptcies are being reported within one year each other.
On or about XXXX XXXX, 2015, Ocwen stated, " At this time, Ocwen has received all information needed from you. Ocwen has requested the attorney complete a title search to confirm the title is clear in order for us to proceed with the DIL review. You will be notified of the decision once the requested information is received from the attorney. '' Since then, I have corresponded with a relationship manager ( in addition to calls from other representatives with contradictory status information resulting in more confusion ). I signed tax documents, closing documents, release documents. I was advised that after this last document was signed at the attorney office representing Ocwen, that the only thing that remains was XXXX FINAL title search to make sure that it was clear. The last document was signed on or about XXXX XXXX, 2015 ( initially submitted XXXX/XXXX/15 but attorneys claimed that I was missing XXXX document which is why I went to their office to sign any document they needed ). This accepted the completed signed documents. I was told that another title search would take XXXX days, at which point if clear, that would close the deed-in-lieu application. Each time I speak with an Ocwen representative, they ask me for time. It has not been over XXXX days and last week Thursday, I was told that the title search has not been done and that I now need to submit XXXX months bank statement. If I did not submit, then the application which I spent months providing documents would be denied. This is an astounding turn of events. I continue to get the runaround, persistent delay tactics, and calls from representatives other than the assigned relationship managers who provide me with wrong information about the status of my application and requesting information that I already provided. Today, I received a call saying that I will be contacted by a NEW relationship manager. And that my previous XXXX provided me with erroneous information pertaining to the final status of my application. 

I feel that I provided ALL information requested and that I should not be required to provide additional information. I also asked the representative with home spoke with today to return copies of all documents that I submitted to date because I am concerned that my private information is not properly secure -- especially since they can not confirm what I had submitted.
I have received 2 letters from this company threatening to sue me. They are sending fake letters to look like court documents. They are also contacting me at work and calling friends. They do not tell you what the debt is. After reviewing the company online it looks as if this is their scare tacit to try in collect money they can not provide proof they own this debt if in fact there is debt owed.
on XXXX/XXXX/2015, I filed an dispute with NCEP. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised NCEP to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised NCEP that not complying wit the FDCPA will put their company in a bad position with the CFPB. NCEP never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .NCEP sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
Ability Recovery Services apparently states that they are collecting for XXXX XXXX XXXX XXXX, a debt that is not mine as I was never seen by those physicians. I disputed the debt when it first appeared on my 3 credit bureau reports in XX/XX/2017 as well as with the company. It was removed from my credit reports during that time. Then the debt was sold to XXXX XXXX who placed it on my credit report, it was again removed. It is now appearing a 3rd time being reported this month as a debt that is owed. The amount of {$180.00} appears each time. It is not a debt that I owe. I consider this harassment to have it removed each time. It should be illegal that they can keep reporting the same debt that is not mine in the first place and affecting my ability to buy.
Customer rep with HSBC confirmed I would not receive a fee, advised replacement card and checks would be mailed free of charge. I reached out again and the next rep confirmed she could not see any prior requests, could not tell if a card had been ordered, and was unable to fix the fee which was not my error that had previously been confirmed as waived, and was only able to advise checks are charged/not that my prior request was completed. I previously was transferred to a supervisor, but this time the rep, XXXX, refused. I am concerned with this lack of transparency, applying fees which have been confirmed as waived, and charging for some products when some reps feel like, but not when other reps confirm the products are free. A federal investigation into this transparency is required.
While checking my Chase Business Account from my mobile device I notice an unauthorized check had cleared my account # XXXX for {$1200.00}. 
I called the Chase fraud line to report the fraud. The agent ask a series of questions that included looking through my check book for the check number # XXXX. 
I notice that number was towards the end of my check book and discovered XXXX checks were torn from my check book. # XXXX and # XXXX. 
I immediately placed a stop payment on the check that had not cleared my account # XXXX and closed that account and opened another account. I was given an investigation number When opening my new account I inquired about the investigation and was told it was on-going and a credit would be issued to my account after the investigation. 
Upon waiting about 10 days I received a denial to my claim in the mail. 
I did not understand what had happen therefore I spoke with the Branch manager where I opened my account. She informed me the issue had been escalated and it was denied from the executive branch. 
After exhausting all efforts to recover my money from Chase, I decided to pursue Law enforcement actions for this obvious fraud. 
I went to the Police Department to open a case. I opened the case on XX/XX/2017, case # XXXX with Investigator XXXX I called the XXXX Police department several times to check the case status, sent the investigator an email but have not been contacted at all by the investigator as of XX/XX/2017. 
I received your contact information from my local news channel. The news agent is XXXX XXXX, and he has a consumer phone number. That information lead me to the CFPB. 
A few other facts : My check book was securely positioned in my zipped computer briefcase and placed under my desk at work. I live alone, therefore no one at my home could have taken the checks. The bank ( CHASE ) claimed they denied the claim because I should have keep my checks in a lock box. I asked to see that in writing but they would not or did not have this for my viewing. I printed an image of the fraudulent check and it was clearly not my signature nor handwriting. Also I have no idea who the payee is ; seems like XXXX names on the check. The bank would not let me know the check deposit location or if it was cashed at a Chase bank.
XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX XXXX or XXXX XXXX to speak with her on behalf of why I was denied a line of credit she then stated that she worked for care credit and could assist me in getting approved. I transferred money to her XXXX account and received an invoice saying that I had a XXXX line of credit under synchrony bank. She also stated that my card would be mailed to me in 7 to 10 business days. Then I realized I had been scammed.
XXXX XXXX is trying to sue me for a debt that the sol in NC has run out it run out XX/XX/XXXX i do n't have a contract with them these people do n't stop look i just had my XXXX took off and recovering from XXXX XXXX now they saying i have to be in court XX/XX/XXXX police have n't gave me anything please help me thank you XXXX
Wells Fargo Bank Changed the Routing Numbers without any notication causing my car payment made online to be returnded causing late payment fees
Hello, I am reporting an issue I had with Bank of America due to their negligent check clearing practices and their arrogant and unresponsive behavior. My predicament dates from XXXX, so, I am not sure if there is something that can be done about it now. 

In XXXX XXXX, I was a victim of check fraud with my account at Bank of America. A fake company offered me a part time job to act as their donations distributor and asked me to disperse funds after the check that they would send over has cleared. Being naive and a student at that time, I fell in their trap and deposited their check upon receipt at my Bank of America Account. Being a little skeptical, I specifically asked BOA to let me know when the check clears so that I can assure myself and all they said was that the funds will be available after 3 days. 

I waited for 15 days to see if the check has cleared. After 15 days, when I did n't hear anything from the bank, I sent the money to the fraudsters somewhere in XXXX. 

However, bank of America came back to me after 45 days and informed me that the check I deposited has bounced. I tried to plead with them and explain them the situation and they did nothing to help me. Their collections department acted arrogant and did n't care to call me back or talk to me despite numerous attempts to reach out to them. They then reported my account to a third party collections agency and had me reported on XXXX because of which, I could n't open a new bank account for XXXXXXXX years. 

They made me go through unnecessary pain and their collections department didnt even respond to my calls or was willing to work with me. As a result of their check clearing practices and unresponsive behavior, I ended up losing XXXX dollars since they forced me to pay this amount back to them from my own personal pocket. 

Even though its quite late, I would appreciate if something could be done about this so that other innocent folks do n't go through the same pain that I went through. 

Thanks XXXX
I am trying to get my transactions sent to active hours and my bank will not send the transactions that I need forwarded