WillisBack/dataset-financial-user-claim huggingface dataset:
Last year in XXXX and into XXXX of this year XXXX, Bank of America Homes Loans had been looking at my loan ( # XXXX ) for a loan modification. During the review process, my Privacy Laws were severely violated, which cause unbelievable damage to myself and my children. An employee of Bank of America at the time, XXXX XXXX, gave my ex-wife, who was not on the loan or had any authorized access to my information, damaging and incorrect information without my consent or knowledge. My loan modification was recently denied and now being foreclosed. Bank of America has a duty to keep my loan information, and any personal information private. The entire loan review modification process of my loan was tainted, and my Privacy Laws severely damaged. I have proof of this with phone records ( texts, e-mails from my ex wife ), as well as testimony from myself, my children, and others. The information was used to slander me as well as torture my children with incorrect information that my ex/wife used to scare them to sleep at night about losing their home, among other threats. The occurrences took place mainly in XXXX, XXXX and XX/XX/XXXX. My life and financial stablility have been crushed by Bank of America 's poor and pitiful attempt to protect my Privacy Laws. I have retained an attorney to represent me, and this is also another financial burden. I would like a response asap as my home is in foreclosure, and my kids and I are going to be kicked out because of Bank of America 's callous and ridiculous actions. Thank you!
elan financial put negative information on my credit report that i owe that money {$5000.00} dollars, the failed to verify any contract or prove how I owe them.. The failed to validate this debt that is not owed by me. I have written several letter to them. All XXXX bureau that i owe this debt to prove this debt with documents or contract according to federal law.
I am the co-signer of a parent-plus student loan. My son has yet to start repayment because he has been in and out of employment. We have both contacted Navient to discuss a solution and each time have been steered toward Forebearance. I understand that is a more expensive way of repayment and now the original amount of the loan has increased substantially. I am looking to you to determine how this can be rectified and the how I become a part of the lawsuit against Navient. School attended was XXXX XXXX of XXXX
XXXX XXXX and XXXX XXXX XXXX reported individual credit card debts on my credit report for seven years. In 2014, they sold each of my accounts to LVNV Funding , LLC and they began reporting on this debt. Is this allowable. I read that a debt has a life expectancy of XXXX years, however this debt has been reported on my report for nearly 10. Furthermore, I 've disputed the debts individually through the credit reporting agencies and I never receive any correspondence, yet the debt remains. Please assist me.
Numerous errors were made throughout the process of the mortgage, and after 6 months of the broker not being able to close the mortgage, we were ready to switch companies and upon 3rd party review were told the way the loan was setup was not even legal and could have never gone through. Ward Kilduff 's owner, as well as the persona we had worked with, promised to cover the appraisal to reconcile a bit for the past issues. The closing documents had the charge for the appraisal included, and when questioned, a promise was made that the check would be at closing, it was not. I was then informed it would be in the mail when the package arrived to their office, again it was not. I contacted them XXXX weeks following and was told it should be out that week. Another two weeks have passed and the mortgage person has not sent the check or attempted to contact me. 

I have recordings of all phone calls, emails, and texts to verify.
I have paid XXXX to XXXX through ACSI ( as of  XXXX, XXXX ) on this student loan payment ( and related garnishment ) should be complete. However, XXXX and ACSI has added arbitrary fees and charges throughout the course of my multiple complaints ( CFPB and Dept. of Education ). XXXX has misrepresented the amount and related charges only to profit by misleading information about my student loans. The amount of additional charges has almost doubled and XXXX has lost paperwork, misapplied payments, added surprise late fees and also delayed processing of payments.
Mortgage company will not return my money for 30 days even though they already had it for two weeks and are saying it will be another 30 days
My husband has an automobile financed through Ally Financial in Fliorida.He has missed ( XXXX ) payment! I work at a hospital and they continue to call my job every week after I have asked them mumerous times to not contact me at my employment and even identify themselves as Ally financial to my co wrokers who answer the phone. They have to go through a switch board to have me paged to come to the phone.We are not allowed to recieve personal phone calls through the company phone unless it is an emergency. This is becoming a problem since I am pulled away from seeing patients and doing my job to come to the phone and could cost me my job
Chex Systems has received letters, faxes, and police reports as well as verified evidence showing that it was not possible for me to have the listed accounts. Chex Systems negligently refuses to remove the fraudulent accounts. The only action left for me to do is file a lawsuit, which I 'm more than willing to do.
XX/XX/2017 I applied and was approved for a XXXX credit account through TD bank. However, my purchase was not allowed by XXXX due to what I understand to be a fraud block. I received this information from TD bank and it was later verified by XXXX. In multiple occasions I was told that the back office handles these issues and someone would get back to me. It 's been over 45 days and I was finally told today that XXXX was unable to verify my information. That 's odd because I was never contacted for verification of anything. I was told that this was done through a computer system. This makes no sense to me. The computer system is what blocked the account in the first place. Meanwhile, I have an account in my credit report that I ca n't use. This appears to happen a lot as several people have posted on the XXXX forum and have yet to see a resolution. My order number is XXXX and the issue number is XXXX.
On XX/XX/XXXX, I applied for a loan with CitiFinancial. After a couple of months, I discovered that the loan was a mortgage securing loan, but my Uncle ( XXXX XXXX ) is also on the Deed, did not sign any application or paper work for the loan. The State of Maryland requires ALL persons on the deed, to sign any and all mortgage loans and paperwork. CitiFinancial placed an illegal Lien on my property, which cause tremendous stress and financial strain on the family, because we were unable to sell the property. On XX/XX/XXXX, CitiFinancial agreed to remove the Lien and forgive the balance after 12 painful years of pure suffering. After talking with several different Attorney 's in Maryland, I learned that I am entitled to compensation for violation of Maryland State Laws and Slander of Title. I am unable to go to court, because of my Military Obligations, and unaware if I should provide this information to the Department of Justice, Civil dispute department.
Hi, I have transferred an amount of XXXXXXXX to my Coinbase account. However, I did use my wrong bank account for this ( not linked to my Coinbase account ). I used another SEPA bank account instead of my linked SEPA bank account. The amount of money that I did send has not been added to my Coinbase account. 

Afterwards, when I did find out about the NOT linked SEPA bank account, I eventually tried to link this specific SEPA bank account to the Coinbase account, by transferring an amount of XXXX XXXX again to Coinbase. This by hoping the initial transfer of EXXXX was going to be accepted in the end. 

Nothing happened and I start to create a case on Coinbase support. A support employee, named " XXXX '' responded initially on XX/XX/XXXX by looking into this transaction of EXXXX from the wrong NOT linked SEPA bank account. XXXX from Coinbase did reply afterwards that the issue has been investigated and acknowledged and a so-called specialist is going to address is properly. Support will contact me personally to follow-up with me as soon as they did have an update. 

This was the last reply I did get personally from support. 
However on XX/XX/XXXX I did receive an automated e-mail from Coinbase that the wrong payment of XXXXXXXX is going to be reversed to my local SEPA bank account ( sending bank ) within 1-2 business days. Afterwards I did receive on XX/XX/XXXX a second automated e-mail from Coinbase that the OTHER wrong payment of XXXXXXXX is going to be reversed to that very same local SEPA bank account. On XX/XX/XXXX ONLY the EXXXX did hit my local bank account ( and was successfully returned ). The EXXXX never was reversed. 

The EXXXX is now missing whereas I was in the assumption that this payment was going to be reversed as well. This never did happen and they are still holding my XXXXXXXX illegally. 

Starting from XX/XX/XXXX, support is NOT reacting anymore / replying my e-mails, while they should either respond what is going to happen to fix/address this issue. Also on XXXX forum they seem not to reply anymore on these cases. 

See XXXX XXXX XXXX for more information about the problems with this company. 

Thanks and best regards.
I paid the loan off in full on XX/XX/2016. In XXXX I received a letter saying I owed still. The company started calling 5 + times a day. I sent in my receipts 3 times, I spoke to a supervisor who said they received the receipt and would have it taken care of and it may take 24 hours for them to stop calling. XX/XX/XXXX they took XXXX from my bank account which also caused a {$39.00} overdraft fee. I called the company they refuse to accept my receipt and stop electronics debits
Several months ago my mortgage was bought by a company called Amerihome Mortgage, as soon as they started they sent me a letter saying I was short on my Escrow account, and raised my payment by about {$100.00} which made my new payment go from {$1300.00} to {$1400.00} this was XX/XX/XXXX. Which I complied by, back around XX/XX/XXXX, I submitted information to have my PMI to be removed, they sent me a email that said I had met the requirements and that on XXXX/XXXX/XXXX it would be taken off, I asked for my statement be sent to me showing my new payment would be, that 's the other issue I have asked that a monthly statement be sent to my home each month since they took over my loan, still no statements, than just this week I received a letter telling me that my new payment would be {$1300.00} starting in XX/XX/XXXX. And that my escrow account was short {$260.00}. I have paid the full amount of {$1400.00} right up to XX/XX/XXXX which would have {$340.00} over paid since XXXX/XXXX/XXXX. Which would make a total of {$79.00} over paid to cover the {$260.00} they say I owe on my escrow. I keep calling to resolve these XXXX issues but get nowhere?? They do n't return my calls, or email complaints leaving me to this point of filing a complaint and try to get help resolving my XXXX issues, and I guess also the escrow account seems to be messed up.
I received a copy of my credit report in XX/XX/2018. I noticed that Phoenix Financial Services had placed a derogatory item on my report and had not ever notified me that they were attempting to collect on that debt. I immediately drafted a dispute to Phoenix Financial Services ( see attached letter dated XX/XX/18 ). In this letter I formally stated that I was disputing the information they were reporting but moreover, I was requesting validation of the debt. Phoenix to date has not responded. I have not received an agreement with the signature of the alleged debtor wherin he/she agreed to pay the creditor ; have not received the date this alleged debt became payable ; what the original delinquency date was, nor did I receive complete accounting of the alleged debt. The entry lacks veracity and due to the fact that Phoenix has yet to respond, it appears that they do not have any documentation to justify that they are reporting 100 % accurately, timely and verifiable information. Per return receipt ( see attached ), Phoenix received my dispute on XX/XX/18. FCRA provides that they had 30 days to respond to my dispute. Being that Phoenix is violating my consumer rights and did so knowingly without providing me a dunning letter, yet they continue to be in violation with this reporting ; this item must be deleted immediately from my credit reports.
I demand the business remove the hard inquiry against my SSN at any credit reporting agency, including but not limited to XXXX, XXXX, & XXXX. In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database.
Our loan was recently transferred to GreenTree Servicing. In the transfer process, a {$1000.00} principal payment was lost and removed from our account. I sent all payment history verifying the payment was received by the previous provider and now GreenTree is holding the payment along with another {$1000.00} principal payment rather than applying it to the balance of our loan. I have contacted Greentree XXXX times with regard to this problem and have received no resolution. I believe this a a violation of our Loan Agreement per the following : '' I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a " Prepayment. '' When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. 

I may make a full Prepayment of partial Prepayments without paying any Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note .... '' Are there any actions we can take to get them to apply the funds to reducing our principal?
I had 2 credit cards with the XXXX XXXX card. I had card insurance in case something happened and it did. I filed the proper claim with the card company. I was advised I would receive a letter requiring me to return I never received documents. I reached out on several occasions for documents and still have yet to receive.Insurance made 1 payment to 1 account and I filed for both accounts. I was advised I needed to speak with 3rd party company which was a collection company telling me my account have been charged off which should have never taken place. This is at no fault of my own. 
XXXX XXXX XXXX : has never made any insurance payments on my behalf documents always promised but never received was often told it would be emailed but nothing multiple points of communication requesting document noting provided.
I received a loan in XXXX 2006 from America 's Wholesale Lender which in my opinion is predatory.
I am an upstanding XXXX XXXX. I have been the victim of identity theft. 
I have taken your advice and submitted and FTC Identity Theft Affidavit to the credit bureaus and the collection company itself. 
They seem to feel they are immune to following your laws.
you have an address on XXXX in XXXX texas and i have never lived in XXXX texas there is also an account for time warner cable on my report and i havent had XXXX i have lived in XXXX texas for about 2 yrs now and was XXXX for almost a yr prior to that and they do not have XXXX in XXXX also it says it was opened in 2014 that is impossible since i have lived in XXXX during that yr and can prove it
XXXX of 2017 I put a down payment down on a dog. I was told the cost of dog was {$1200.00}, and had agreed to pay that through a financing program. The name of the institution is Monterey Financial. After the {$1400.00} was paid ( 1 year later as I was told ) the institution continued to take money from my account. Therefore I stopped payment by calling the bank & paying the bank a small fee.

They are continuing to call my phone and Im concerned this may affect my credit in a detrimental way.
Bank denied loan because of false information on Experian credit report. Credit report shows an outstanding balance on a medical bill that was paid off years ago. I have a letter stating we do not have any outstanding balance with them.
I have been disputing Santander Consumer reporting to my credit for the past coupl of months as they have been reporting the account as open and reporting a missed payment. The account was closed in XX/XX/XXXX/XX/XX/XXXX and shows a comment as charged off/written off on my report. However since XX/XX/XXXX they have been reporting again a missed payment and a open account. I have disputed with XXXX   and they advised me all I could do was continue to dispute every time the report or open the account.
The information showing on " Experian Credit Tracker '' monitoring website is incorrect.
The summary page shows that I have 2 " late payments, '' time since late 40 months, and 1 public record. When I research on this web site I find the 2 late payments. One of those late payments shows as XX/XX/XXXX for XXXX. I did not have a late payment with XXXX in XXXX of XXXX. The other late payment shows up under my XXXX account for XX/XX/XXXX. I did not have a late payment for XXXX. I was on the phone with Experian for almost 2 hours. 1 hour with " XXXX '' that said what I was seeing were not " late payments '' that they were about my bankruptcy. When I told him that my bankruptcy showed up below the late payment information, he refused to acknowledge that. I asked to speak to a supervisor. He came back on the line and asked questions of me that his supervisor was asking of him. When I asked him if I could speak to her directly, he put me on hold for nearly an hour. Finally, I spoke to XXXX. She came on the line and admitted she did n't know anything about Experian 's Credit Tracker product and gave me the same explanation as XXXX. She insisted that my 2 late payments were from XXXX XXXX XXXX in XXXX. When I told her that the site showed them as XXXX and XXXX, she did not believe me and would not let me send her the screen captures ( attached ). She said that if I wanted to cancel my membership, she would transfer me to " membership. '' I was disconnected. I called back and spoke to XXXX. He said I should cancel my membership and gave me a cancellation number XXXX. He said he would put me through to a supervisor that would discuss a refund with me. I spoke to XXXX. I pointed out that the website was reporting inaccurate information based on the credit report that I download from the site vs. what was being reported on the site. At this point, she said I would have to have " the credit reporting company '' mail me a credit report directly and then mail it to her in " membership. '' She added that I could n't do that because XXXX had already canceled my membership. It seems like they are doing all they can to not cancel memberships and they have no interest in resolving inaccuracies on their website.
Asset Recovery is attempting to collect on debt from the University XXXX XXXX that was covered under financial aid and corporate scholarship
My lender has not reported accurate information to the credit bureaus since XXXX/XXXX/2016, they are still showing i have a balance outstanding even though i have paid in full since XXXX/XXXX/2016. This caused me to be denied credit and denied a mortgage since my potential lender was showing a balance owing making my debt to income ratio wrong.
My wife and I leased cars from a Massachusetts XXXX dealership, in XXXX and XX/XX/2016. 
The loans were through JP Morgan Chase bank, and administered by Chase online auto finance. 
The payments were set up to be taken automatically each month, from one of our XXXX ( XXXX ) accounts, by Chase auto finance. We have bank statements showing that those payments were taken on time each month, for each of our two cars. 
However, inexplicably, in XX/XX/2016 Chase Bank determined that we had defaulted on one of the loans and repossessed that car. We tried to resolve the issue by speaking to many different representatives at Chase finance, and even did so while getting assistance, in person, from managers at our local XXXX branch, who directly confirmed that the appropriate payments had been withdrawn from our account, on time, for each car. We also faxed all of the relevant XXXX statements to Chase. 
This was not sufficient however, and we were forced to REPAY several months worth of the loan, as well as repossession costs, impound fees, tax, etc, in order to get the car back and reinstate the terms of the car lease. 
In addition to that, we were forced to rent a car while our leased car was impounded. 

Since that time my wife has been on the phone with different representatives from Chase, practically weekly, and sometimes for hours at a time, trying to resolve the issue and have our overpayments and expenses refunded, due to the error ( s ) by Chase. 
She continually encounters dead ends, and each and every time she has been told a supervisor will return her call, the supervisor fails to do so. 
One supervisor in particular stopped taking my wife 's calls altogether. 
At every turn Chase finance has been unable or unwilling to assist us in resolving this issue. 

And now, the exact same thing has happened with our other leased car. It was repossessed last night, without any warning or notice of delinquency. 

We need help to resolve this problem.