WillisBack/dataset-financial-user-claim huggingface dataset:
Company states they are " XXXX XXXX XXXX '', They us numerous ficticious phone numbers and do not leave messages. I spoke to a representative and advised them I work in XXXX XXXX and do not give payment information over the phone. I advised them to contact me via mail. They further state the debt is in excess of {$950.00} which has been confirmed to be under {$500.00}. The numbers they call from are all over the country. Latest from XXXX Also received a call from XXXX. I do not answer unknown callers and am tired of receiving 4 - 5 calls a day every day from these people.
In 2012 I got a divorce. Bank of America was giving me the run around about how to get my name off the title and the loan, since it was under my ex husbands VA loan. Finally after 3 years I was able to talk to the VA and I was able to do a quitclaim Deed. Once I sent that into BOA I was informed that all of the BOA information would be taken off my credit. This is still reflecting on all XXXX of my credit reports, and killing me. I have called BOA multiple time and no one can tell me why it 's still on my credit because my name is off the loan completely. Between getting ready to XXXX from the XXXX and trying to buy a new house do to expanding my family this procedure has been a nightmare. Please help me in this matter. My ex-husband has continually been late on the mortgage.
I have contacted the company numerous of times to have the account information updated. That is still reporting incorrect and this is hurting my credit score. that dates should be updated from late to on time this is crazy that I have to keep going thru this with this company.They are not validating the account at all. They 're only verifying that the account is mine. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX please fix my account I dont know what else to do.
On XX/XX/XXXX I filed chapter XXXX bankruptcy. Included in the bankruptcy was a company called XXXX XXXXXXXX XXXX XXXX who was servicing as a collection agency for XXXX XXXX. I have call the collection agency to ask them to update the status of the account and it seemed that they removed it. They were sent notice but as they thought my chapter XXXX was discharged they reported the account to my credit report as unpaid. I do know that doing that is against the law. I can not get resolution from this company and their practices are illegal they are affecting my current job with this information as I informed my employer they were included in my bankruptcy. Here is a example of how they are reporting to my equifax. 

Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXXXXXX XXXX XXXX Date AssignedXX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Financial Last Payment Date Date of First Delinquency XX/XX/XXXX here is the proof of my chapter XXXX that was filed : Bankruptcies Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score. 

Reference Number : XXXX XXXX Bankruptcy proceeding is initiated by the debtor 's own petition to be declared bankrupt and have benefit of the law. 

Date Filed XX/XX/XXXX Verified Date Liability Exempt Amount Type Individual Filer Subject Court XXXX XXXX XXXX XXXX XXXX Amount I really need this company to follow the law and correctly remove this status from all of my credit reporting agencies. It is affecting my career.
Experian provides a misleading free trial report which turns into an automatic billing cycle. The worst part is after months of subsequently being charged $ XXXX/month, I am unable to cancel. They provide no capability to cancel online and require that you phone. After choosing the cancellation option via phone, you are put into a 2+ hour queue ( presumably, in hopes that you will give up and not cancel ). There is no call-back option or anything to assist if you are disconnected. After spending hours on hold and not being able to speak to a rep to cancel this service, I concluded my only option was to file this complaint.
I have been trying to do a loan modification with Bank of America since XXXX 2014, I have submitted every document they have ever asked for. I even called the lady who was helping my case numerous times and emailed her and she never got back to me. We are a military family and we had to XXXX ( move ) to XXXX XXXX XXXX, we live XXXX and pay XXXX a month for housing and are house in XXXX was n't rented for some time and I was having health issues so I was unable to work and was going through the XXXX process. We fell behind in payments because we have XXXX kids that needed food and clothes and other items. So recently I got a third party involved in helping us with the house to do a Deed of Lieu, he has been having a hard time trying to get help with this. They told him that I did not send in any documents so I gave him all the paperwork and the letters that bank of America sent saying thanks for the documents we are reviewing them and will let you know the decision once the review is done. As the months went by and I never heard anything from Bank of America after I tried calling numerous times, and there were a few times I was on the phone for over 2 hours being transferred from one department to another and no one could help me. The agent that I have helping out with this now was told that a short sale was not necessary because of our hardship but when I called today they said the account was on hold for a short sale and they wo n't do anything with the Deed of Lieu until the short sale is done. So they are giving out incorrect information and not giving the agent or us any help what so ever. I have copies of every document and letter I have received from bank of America and even online XXXX has documents and letters from bank of America proving I submitted documents to them. With my health problems and my husband who has been in the XXXX for over 20 years has some serious health issues also we need this process to go quickly, we ca n't afford to keep the house and would lijke for Bank of America to at least help us out.
The credit card company is displaying the full 16-digit credit card number on my credit card statement. This makes my card vulnerable and opens up security and identity theft issues.
My wife used her Bank of America ( BOA ) credit card to book a hotel room in XXXX. She was half way there and had to return due to bad weather ( snow ). When she returned the hotel was ok with cancelling the reservation and understood. The hotel could not do anything since it was booked thru XXXX. My wife called XXXX and explained the situation. They told her she had to have permission from the hotel. She said she did and went in circles with XXXX for some time. She even called back with both parties from XXXX and the hotel on the line with her at the same time. XXXX still refused to remove the charge and wanted to charge us in full. We filed a complaint with BOA and they held the charge for investigation, then sent us a letter saying it was resolved, then removed the charge. We thought we were done when we saw the charge appear again several months later. BOA said we were accidently credited twice. We pulled our statements and got back to them to say that they were incorrect. They agreed and said that the charge would be removed. We then got a letter from BOA saying that they were going to proceed with the charges from XXXX. My wife spent at least 6 hours total on the phone with all parties to get this resolved, but had no luck. Complete lack of customer service by all parties. We will be getting rid of our BOA credit card ( after having it for about 16 years ) and will certainly never use XXXX again.
I received a statement dated XX/XX/XXXX from my mortgage company stating my payment was late and that I was charged a late fee. I called on XX/XX/XXXX after returning from an overseas trip and spoke to XXXX ( agent number XXXX ). XXXX explained I received a late fee because my payment was received after the grace period. I told XXXX I have confirmation from my bank indicating they sent the XXXX payment on XX/XX/XXXX and Freedom Mortgage received the payment on XX/XX/XXXX. I asked XXXX to check into why it took Freedom Mortgage ( Headquarters location is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, NJ XXXX ) so long to process the payment. XXXX put me on hold and contacted a team leader. XXXX came back on line and told me there was an issue at their payment processing center during the month of XXXX and that they are going to waive the late fee. I told XXXX thanks, but this is the second late fee I have been charged by Freedom Mortgage through no fault of my own and requested to speak to a supervisor. XXXX transferred me supervisor XXXX ( agent number XXXX ). XXXX told me the company had is issue with their lock box in XXXX and it caused a lot of customers to receive late payment charges/noticed. I asked him since the company knows they have an issue, are they taking corrective action automatically or are they only thanking action when customers call to complain. XXXX indicated they are taking action when customers call. He gave no indication the company is taking corrective actions for the accounts where customers do no notice the late fees. I can provide supporting documentation if required.
Good Evening, I 'm XXXX and I am writing in response to the Navient student loan legal concern. I recall being encouraged to take out a forbearance due to my financial situation. During this time I was trying to work to support my XXXX Mother and I, my income was the sole income there was no way I could pay monthly student loan amounts, so I was offered forbearance. I was never told anything about any other options and it was n't until recently that I heard of the income contingency plan. The customer service people at Navient make you feel lower than dirt for not being able to pay your student loan monthly amount. I 've cried in bed multiple times trying to figure out how to satisfy these people to the point of a full scale XXXX XXXX. I 'm not saying I do n't want to pay them, I am saying its impossible at this time and the federal student loan forgiveness plan put forth through President Obama, should be implemented regarding private loans. I 'll never pay off my student loans and money I have struggled to send appears to be pointless for the balance continues to grow, its like trying to walk uphill during a major mud slide you 're going to get buried. Please help myself and others, and thanks for bringing this issue into the spotlight.
My account was sold from Santander to a 3rd party vendor who I am working with their law office to pay back for a car that was repossessed about 6 years ago. For the last couple weeks two separate " litigations '' or " law offices '' have contacted me about the debt and stated that I am going to be sued and threatened to take me to court or show at my job and serve me. I already told them its odd I am being sued for something I am currently making payments on and have documentation for the payments and even went to court for it. I XXXX the phone numbers and they have all been listed as scammed. I also called the 3rd party vendor ( XXXX ) and was informed that the original creditor Santander was subjected to a scam hack and companies have obtained information from folks and have been contacting them. It concerns me because the individual stated my FULL social security, date of birth and address AND work environment. I began being suspicious when she told me the account and stated she can settle it for over 80 % less than what I currently owe and expunge the information off of my credit. She was persistent on receiving a payment when I asked her to send me a copy of the letter or debt from their office. I eventually hung up.
I purchased a Vehicle ( XXXX ), which I received auto loan through Santander Consumer USA In XXXX from XXXX In XXXX NY. The car only had XXXX miles, after 1 yr engine blow and they told me I was XXXX miles over my warranty. So I voluntary surrender the car because an new engine would cost XXXX and I would be paying more than the car was really worth. The car was then re-sold, and it was charged off by Santander and they sold the account debt a company called second round and it is now really affecting my credit report. I have reported this to the credit agencies and this is still coming up.
Bank of America denied access to my banking account and held my funds without giving me access to my funds. Bank of America states that they will be closing my account and my account will be on a hold status. Account number XXXX, also I was denied full disclosures.
My consolidated federal student loans are serviced by FedLoan Servicing. ( I have made about half of my qualifying XXXX XXXX XXXX XXXX payments. ) Last year, I received a pay raise from my nonprofit job, and in XXXX I filed the annual recertification paperwork. In XXXX, I was told that I was no longer eligible for the XXXX plan and was placed on the standard plan, which I ca n't afford. I applied for certification a second time because I am eligible for at least the XXXX plan ( my last XXXX is around {$67000.00} ). Since then, I have been deferring payments because I am unable to afford them at the standard plan rate. I also checked on XXXX separate occasions with FedLoan representatives, who quoted me estimate of approximately {$360.00} in monthly payments. In XXXX, XXXX approved me for the XXXX plan at {$410.00} per month. ( I can explain my math if necessary. ) The FedLoan representative I spoke with advised me to request a recalculation, which is just submitting yet another recertification, which will take several more months. 

The summary of this is that by initially and erroneously adding me to the standard repayment plan, which required me to defer loans for multiple months while they recertify me for an XXXX plan, and now asking me to submit the same paperwork for a third time, the balance on my loans with FedLoan has increased approximately {$9000.00}, or 10 %, in a matter of months. I have no recourse to expedite the recertification, I ca n't get insight as to the math they use, I always get conflicting information or learn something after it would have been beneficial, and each time I request a recertification, it takes at least three months, all of which puts me further behind making my required payments. 

FedLoan financially benefits from these delays by compounding the balance on my loans, all of which could have been avoided by competently recertifying me in the first place. 

I 've attached my latest tax return as evidence of my adjusted gross income, and I 've also attached documents from FedLoan Servicing indicating the revised monthly payment terms and forbearance notice.
I have sent a letter of debt validation to this company to validate the accused debt. This company has failed to validate this debt as requested within 30 days of receipt request. Therefore I have attached a copy of the proof of delivery by the USPS in record that they did receive the request.
National Credit Adjusters Continues to state debt owed when it was paid off. Evidence proves this beyond a reasonable doubt. Despite multiple attempts to prove and show the debt has been paid. They refuse to remove it
Hello, We fell behind 3 payments to US Bank XX/XX/2014 shortly after XXXX. It was then suggested that we apply for the " loss mitigation '' program to make a payment plan. It has been 18 months with us falling further and further behind and we are not allowed to make any payments even though we could have started paying months ago. They ask for the same paperwork over and over since by the time they send it to the " processor '' it 's expired. They just told me I need to fill out everything again for the 3rd time and I feel like this is illegal. I just want to pay the mortgage.
Background : We have been a loyal US Bank " Platinum '' customer for more than 15 years with credit scores in the mid XXXX 's. We have not missed any payments or ever been late on any payments on our existing loan, which US Bank originated approximately 5 years ago. Our current LTV and debt-to-income ratios are under 50 %. 
Details : In XXXX, we received a marketing piece from US Bank advertising a fixed rate of 3.5 % for a 20 year refi loan. At the time of application, the rate was 3.625 % with zero points for a 20yr refi loan. We submitted our loan application at the local US Bank branch on XXXX with XXXX XXXX. XXXX said we could start the process and if the rate dropped to 3.5 % we would get it. The first Good Faith Estimate ( GFE ) he provided on XXXX was at 3.625 % with {$1300.00} in buydown points and the loan amount was {$65000.00} higher than our current loan balance. We informed XXXX that the numbers on the GFE were wrong. He said he would issue a new GFE. In XXXX, the rates dropped to 3.5 % ( per the US Bank website ). On XXXX we emailed XXXX and told him we were still waiting for a corrected GFE and mentioned that we noticed the rates had dropped. XXXX issued a new GFE on XXXX with a correct loan amount but with the rate at 3.625 % and {$750.00} in points. He said " sign and return we can try to get lower rate once loan is approved. I need everything today please. '' We signed and sent everything back the same day. On XXXX we emailed XXXX telling him we still had not received a correct GFE. He requested more documentation from us and sent a new GFE on XXXX at 3.625 % with {$740.00} in points. Several months went by. On XXXX XXXX forwarded an email to us from XXXX XXXX of US Bank requesting even more documentation. We sent him the requested docs on XXXX. XXXX kept requesting " just one more thing '' several times, including copies of documents that were already of record in the County courthouse. Although we kept requesting a corrected GFE with the correct numbers, XXXX would send a new GFE at random intervals, always with incorrect numbers and usually including buydown points, which we said repeatedly we did not want. On XXXX, he finally sent a " final '' XXXX closing statement for review with a rate of 3.75 % and zero points. We spoke with his supervisor, XXXX XXXX, who said he could n't do anything except refund our application fee. We feel we were the victims of " bait and switch '' marketing, predatory lending, and possibly discrimination. Also, the lender did not process our loan application in a timely manner ( almost 7 months ).
Subsequent to a complaint filed with your agency against Bank of the West, my account has been charged {$230.00} in junk fees. I have attached a copy of the running figures on account ending in XXXX. On XXXX XXXX, 2016 the account as a positive {$7.00}, then without explanation fees in the amount of {$62.00}, {$30.00}, {$70.00} and {$70.00} were charged bringing it to a negative {$210.00}.
Since I open the account with Navy Federal I had several Fraud or misuse that was allowed by Navy Federal Credit Union they are not protecting my account nor keep the account secure Home Shield charge my credit card without my authorization claiming that they have card number on this can not be true because had my card change several time prior to this unauthorized charge of {$68.00} so how did they get the card number. Please review my account XXXX make sure charges and fees are apply correctly and the Credit Union is working within Federal Government Regulation
I have been struggling with my mortgage payments, and applied for loan modification, back in XX/XX/XXXX.I was sent a package to resubmit back to mortgage holder, providing current information on income, expenses and desired options. The mortgage holder keeps on requesting the same income information that was previously provided and insist on delaying procedure to underwriter. HUD Counselor has take the approach that there is no standard or guideline to delays and stall tactics being used in the decision process rather a wait and see.I think from XX/XX/XXXX to XX/XX/XXXX is more than enough time to give a reasonable respond for an application.
My sister received a phone call today saying I was going to be served with papers. I have not received anything in the mail, or any phone calls. She asked if she could sign, and was told no ... but that someone would be to the house in XXXX hours. I tired to call, and it went straight to voice mail.
I recently got a SouthWest Visa card. When I created a login account on the Chase website, I saw they had listed a XXXX account which is a XXXX Visa card. I do n't think I signed up for that card, ending in number XXXX. It was never activated, it was never used. So I asked the representative to waive the accumulated charges of late fees, interest and annual membership. They refused to waive the {$95.00} membership for an account that has never been used. I spoke to the supervisor, and she told me the same thing. This seems like a scam which XXXX XXXX has been recently doing. To charge a customer for something they never used. It would make sense if I 've been using a XXXX Visa card, and then ask for a {$95.00} waiver for an annual membership fee. Chase should automatically check their accounts to see if a card has not been used for a year, then consider it inactive and cancel it. Instead they keep adding up charges and tell the customer to pay for a product / service which was NEVER used
Navi ant has not applied loan payments correctly, not applied payments at all, and given me misinformation on my loan. Also, when I applied for my loans they told me i would only qualify for private loans, and being a novice at the process I took their word. So now Ihave $ XXXX in student loans and work in an XXXX where i would have been able to have loan forgiveness, but since I have private and not public loans, I have to pay the whole thing back.
On XXXX my company gave a check to a tenant as a refund for the deposit that he did when rented the apartment to the company. He cash the check sending a picture to his bank on XXXX and my bank ( Citibank ) paid the check. He sent again the check picture on XXXX and it was paid again by my bank he sent again the same check on XXXX and it was paid again on XXXX was paid again. On XXXX was paid again. On XXXX was paid again. On XXXX he altered the number of the check but only on the top right side, not at the bottom and it was paid again. On XXXX he presented again the check and was paid by the last time. In total the same check of {$950.00} was paid 8 times by the bank. 
I think Citibank fail in their responsibility of checking that : the check number was paid before and the check number was repeated, XXXX times the check number was altered and the check were expired and paid after 6 month of the date in the check. After presenting a complaint in Citibank when i discovered all of this when I was preparing the report to pay taxes al XX/XX/XXXX, they oficially didnt answer up to now but the manager of the office in XXXX say that after 30 days they are nor responsibles of what they did and that they will not refund me my money and wont prosecute to the person that did it.