WillisBack/dataset-financial-user-claim huggingface dataset:
BMW Financial reported my account 30 days late for XX/XX/XXXX to both XXXX and XXXX My payment was due XX/XX/XXXX and my account was paid on XX/XX/XXXX, which is NOT 30 days late. XX/XX/XXXX is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a direct debit payment. BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle  in XX/XX/XXXX and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the XXXX
This debt was reported by XXXX in XXXX in which I lived there as a student XX/XX/XXXX. XXXX has never notified me of any debt whatsoever in any way they have never attempted to contact me. Rent Recovery Solutions has never contacted me in any way I had no idea I had any account in collections yet after failing to make any type of contact they reported it to my credit which negatively affected my score by XXXX points and I have no representative of the company to talk to about this and have no information on this debt at all
Ally Bank refused to transfer a matured CD IRA account by trustee to trustee transfer as I requested well in advance. They failed to disclose a signature guarantee requirement. They made me take it as a distribution causing needless delay, loss of interest income and red tape in my doing a rollover. They benefited by the delay in having the money for an additional number of weeks. They admitted being arbitrary and unnecessary in requiring a signature guarantee when they already had a signature agreement on file.
It is my belief that this creditor has re aged these accounts. Further, they are falsely reporting payments as " missed payments '' ( late ). In my initial letter demanding clarification and correction, this creditor failed to provide an adequate accounting of my payment schedule. I believe they do not have records detailing the beginning and ending of my loan with this creditor.
I continue to be billed for a XXXX service on XX/XX/XXXX by XXXX XXXX was paid by XXXX under claim number XXXX dated XX/XX/XXXX paid the bill XXXX % of billed charges. they have sent me to a collection agency XXXX Ref # XXXX XXXX they are wanting {$730.00} total charge amount when this was paid. I have told them over and over and they are trying to ruin my credit and they have been paid already. I dont know what to do I feel like this fraud and they are trying to double dip. I need this taken care of because nothing is owed to them and the information has been provided to them multiple times.
To Whom It May Concern : Hello my name is XXXX XXXX and the reason for this letter is because I did business with XXXX XXXX. I pawn a ring few months back and I miss my final payment and the ring was surrender. So when call to ask about the ring they offer to sell back for difference price, then it supposed to be meaning it was 2 and half times more what it supposed to be, you only required to pay the amount of the interest and what you borrow from the company. The manager I was dealing with got very unprofessional because I was try explain the situation, I told her to show the policy that they can charge 2 and half of amount to buy back your product, she inform me that they dont have nothing that explain the policy.
I am in receipt of AMCOL SYSTEMS offer, dated XXXX XXXX, XXXX, however, I do not understand how the charges listed were processed. I believe that your agency accepted debts that were potentially inaccurate, lacking documentation, or unenforceable. I would be more than happy to settle this matter if your agency send a true bill, verifying the debt. 

Failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. Failure to rebut, address, answer or respond to CONDITIONAL ACCEPTANCE UPON VERIFIABLE PROOF OF CLAIM, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, stand as a Default Judgment and Declaratory judgment, of the facts stated herein being true. Failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX created Summary judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX. Failure to rebut or continued acquiesce, failure to address, answer or respond to Final judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created an AFFIDAVIT OF NON-RESPONSE, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
I disputed an account with XXXX on my file. I explained that I had settled it. They left it on the file. I settled the account with XXXX and then, XXXX put the balance BACK on their record on my credit files. I have attached the backup for the settlement
XXXX XXXX continues to call a place of business for someone that does not work here. I have asked them to remove our number over three times now and nothing changes. They list a number to call to have your number removed but obviously it does nothing. It is getting very annoying that they call almost daily and give us NO way to make it stop. This is a business and we take important calls!
PNC Bank failed to make the annual payment for homeowner 's insurance, despite proper funds in my escrow account and all payments being current. The insurer cancelled the policy due to the bank 's non-payment. I was never informed of this until 90 days had passed and PNC placed forced coverage insurance on my mortgage. I have acquired new homeowner 's insurance. Because I am deemed high-risk due to PNC 's non-payment, my insurance premium rose significantly.
This pertains to the complaint # that XXXX was responded to by HMF. the company claims that " HMF attempted to contact XXXX XXXX on XXXX XXXX, 2017, but was unable to '', I would like to have all the copies of communications, on how this contact was attempted? what all processes the company followed to ensure that it meets the Fair Credit Reporting Act ( FCRA ) and how XXXX XXXX 's consumer financial rights were not violated by reporting negative credit information to the consumer reporting agencies without informing XXXX XXXX of this action? Why should HMF should not be sued in this case for apparent violation of the FCRA? Upon receiving the {$750.00} from XXXX XXXX, why did HMF failed to inform the remaining balance on the account?
I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a XXXX balance. Also offered to open a new account. Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.
I have been continuing to get harassing phone calls from Portfolio Recovery Associates. I do not owe them any money. It seems like they have purchased an old debt. I have not taken on any debt in over 10 years, and so anything they would be attempting to collect would be very old, from more than 10 years ago, and way beyond any statute of limitations. 

Each time they call, I tell them not to call my number any more. Recently, I told a XXXX XXXX that he and his company were no longer to call me when he called me on XXXX/XXXX/2015 at XXXX XXXX. 

Since then, I have received threatening telephone calls, in which the caller has refused to identify the company behind the call. These recorded calls have come multiple times a day at times, and have been very threatening against me by saying a complaint has been filed against me, and that I was going to be arrested. It is always the same woman 's voice on the recording, and it sounds like she is reading the threat off of a piece of paper. This has happened at times on an almost daily basis. I believe that Portfolio Recovery Associates is behind those calls also, because no one else has been trying to collect anything from me, but since it is a recording and they do not identify themselves, I can not prove it is from them. 

Now, today, XXXX/XXXX/2015, I just received another call from a representative of Portfolio Recovery Associates, at about XXXX or so. He did identify the company this time. He was very aggressive and demanding in his tone. This is after I have told them repeatedly never to call me again.
I vigorously dispute the response and closure to my complaint CFPB case #  XXXX  submitted on  XXXX  My original complaint : I received a dispute summary report from  XXXX   XXXX  and I se e Wells Fargo c losed my home Equity loan account #  XXXX  on  XX/XX/XXXX  with a  0.0 bala nce then opened a new loan Account #  XXXX  under a loan type of a '' line of credit '' on   XXXX   with a balance of {$27000.00}. I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account.      Wells Fargo resp onse : Thank you for the opportunity to address the concerns about closing any accounts opened without your consent and to rectify the credit reporting. We 've carefully researched this matter and are providing a response. Here are important account details we 'd like you to know. The next payment is due on   XXXX   XXXX   XXXX  . The account is in active foreclosure. We have confirmed that the account was opened with your consent and your credit is reporting accurately. We wanted to speak with you directly but were unable to connect with you at the phone nu  mber ( s ) provided to us. We 've attached a copy of our response letter.
My dispute to Wells Fargo 's response : 1 ) What next payment? I have no information on this loan from Wells Fargo, no documentation, no payment notice, no account number info or return address?
2 ) Their is no " Active Foreclosure '' as my home   was foreclosed on in   XXXX   XXXX   XXXX   by  Wells Fargo while I was going though their modification process? yet another false statement.      3 ) The erroneous account was absolutely not opened with my consent and therefore is not being reported accurately.
4 ) Wells did not try too hard to reach me as I called their POC    XXXX   XXXX  at the number provided  (   XXXX  ex  XXXX  ) within their canned   XXXX   XXXX   XXXX   letter to me in response to my complaint and left numerous messages and contact numbers?    5 ) If Wells Fargo does not wish to resolve this issues amicably then I will have no choice but to use this very loan that Wells claims i 'm responsible for to reopen my once settled Pick-A-Payment law suit and use every means at my disposal to ensure Wells is held responsible for their wrong doings and support of predatory lending practices.
Since XX/XX/XXXX, I have been trying to clean up my report of duplicate student loan reporting. XXXX continues to report unverifiable student loans ; fraudulent accounts, and RE-aged debt by debt collectors. The student loans that were or should have been in FORBEARANCE during school attendance from XXXX to XXXX. As of XX/XX/XXXX all of the loans have been paid in full yet, they still show derogatory unverified student loans and their statuses on my credit file. Loans that have been paid in full are reflected negatively. 
The total loan debt of {$65.00}, XXXX because of their inaccurate reporting have doubled to {$120000.00} that they report negatively even though documentation from the National Student Loan Database reports to the contrary. They have a complete absolute mess!!!!!
Bank of America Home Loans has not released a XXXX mortgage lien ( Town of XXXX, Connecticut - Volume XXXX / Page XXXX ) despite account being closed since 2006. Repeated attempts by me to work directly with BofA, in its various incarnations, via mail and phone have been fruitless. If I do receive response from them, it is only in the form of a standard letter saying the matter is being researched, but this has been the case for years now with no resolution. 

In compiling information for this Complaint, I am noticing Servicing Rights were sold to Bank of America on XXXX/XXXX/06 under a/c # XXXX. Somewhere along the way, without notice to me, Bank of America Home Loans seems to have stepped in using a/c # XXXX. That in itself is strange too. Is that legal? 

Account is being reported as 'paid satisfactorily ' and 'closed ' to XXXX and XXXX, respectively. 

Please help me get this matter resolved and the erroneous lien removed from the land records. Thank you.
The lender PennyMac increased the escrow account by {$480.00} monthly from {$490.00} to {$980.00} stating that we were behind for the last 12 months. 

According to the property taxes of {$3900.00} and property insurance of the {$2400.00} the normal monthly escrow should be {$6300.00} divided into 12 months it would be {$530.00}. 

Therefore, that huge incremental is impossible for us to pay and unreasonable under any circumstances.
On or about XXXX/XXXX/XXXX my husband transferred XXXX from our money market savings to checking. When he tried to cash from the ATM machine it showed a minus amount. 
When he went to the bank officer she informed him a funds were taken from the account over a period of number of weeks.The account was frozen and a NEW Debit card was issued. I tried to use my SECOND Debit at a whole foods only to be rejected. I then went back to the SAME bank officer only to find out that XXXX was taken from our money market savings ( a prior attempt of XXXX was rejected ; however if the amount requested was under XXXX it would have been processed.How was it possible that funds were given after numerous attempts were made over the daily allowable amount. 
I never used my card yet within XXXX hours funds were taken to date the amount is over XXXX  with additional overdraft charges. There is an investigation currently by the XXXX Yet the Bank refuses to restore any funds saying that a proper Pin # was used. I would not be in this position if it was a wrong Pin # As we all know bank cards and pin # can be cloned as per a FBI public service advisory states.
I opened a Savings account in XX/XX/XXXX in preparation for a large purchase. After making the purchase I was planning on keeping the account. The account I was signed up for had a requirement for a minimum balance of {$3500.00}. I was not made aware of this until after the purchase in XX/XX/XXXX when I had found that my account was hit with a couple months worth of maintenance fees. After calling I learned I was signed up for a savings that needed that high of a limit on. I had {$500.00} in the account and was planning on rebuilding it after the purchase. When calling to reconcile I was transferred to the bank 's sales department first and told nothing could be done about the fee. After pushing back I was told I could only be credited back 25 % of the fee.
I 've contacted Equifax & XXXX on several occasions regarding a bankruptcy that appears on my credit file that is not mine. I have literally called them hundreds of times, also spoken with supervisor after supervisor. I 'm not getting anywhere with this company. They continue to report an inaccurate bankruptcy XXXX, even after the new law in XXXX 2017 came into effect. This should not be on my credit report at all. I 've also explained to them that somewhere there was an error in reporting. XXXX has already deleted the bankruptcy as they verified that it in fact, DID NOT BELONG TO ME! I 've wrote Equifax & XXXX asking them to remove this unverified information from my credit report and follow suit. Still they refuse and state it 's been verified? Who verified this bankruptcy? What method was used to verify this bankruptcy? I 've contacted XXXX XXXX and I 've given them my social security number, they stated they do n't have any inquiries from Equifax or XXXX even checking to see if this information is correct. I 've also contacted the US Bankruptcy court, and they 've also told me they have no information associated with my name and ssn. Please make XXXX and Equifax stop victimizing me by taking advantage of their consumers with their higher power. This is creating a hardship for me, as well as defamation to my character.
I am writing because my student loan provider is NAVIENT. I currently have a debt of {$130000.00}. I 'm having issues because I am on a payment plan that I ended today XX/XX/XXXX due to them not keeping up on fixing issues that have been discussed. They are charging me late fees when my payments are automatically withdrawn from my checking account. I received my tax statement for XX/XX/XXXX and by there records with me paying {$580.00} a month I have only paid {$1500.00} in interest. They are also reporting on my credit report that I am missing payments and that they have been late but they are withdrawn every month on XXXX which was our agreement. Every person I have talked to about these issues through NAVIENT states they will resolve the issues but they are still occurring monthly. I 'm really attempting to work with them to repay these loans but the interest is at 10.2 % on some of them just building and building up. At this rate no matter how much I 'm paying monthly they just keep racking up fees that are not described in my statements. I 'm a XXXX and i do not make thousands of dollars a day like NAVIENT does. I need help I 'm drowning, and there are n't a lot of options for private student loan debt. I 've looked into other options they stated they would take {$90000.00} as a charge off but I unfortunately do not have that kind of money lying around.
I lost my job and got behind on my mortgage. I was able to make payments for a while but after a year I ran out of money and I could not continue to make my payments. I reached out to my servicer and asked them to help but they said they could not do anything for me. I want to keep my home and get back on track with my mortgage, however, the current mortgage servicer is unwilling to set up a payment plan with me or rehabilitate my loan in any way. They are asking for {$6500.00} upfront to reinstate my loan, but I do not have {$6500.00} cash to give them. I have contacted XXXX XXXX XXXX numerous times to set up payment arrangements, but they refused to accept any payments because they wanted the past due balance to be paid in full. I need to get some kind of help now and I do n't want to lose my home.
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in my credit file. The Credit Bureau has not updated the information and per the new true Bankruptcy listed does not include this information and should be deleted from my credit files.
Payment arrangements were made for a XXXX account that was wrongfully sent to collection agency ( Convergent Outsourcing ) for the XXXX of XXXX and XXXX ( see attached bill notice password " XXXX '' ). 

Representative XXXX XXXX took it upon himself to process the payment early without my permission ; withdrawing {$380.00} from my account unauthorized.
I tried multiple times to put my account in economic deferment because i had no job. I was not able to. Then once i got a job and tried to set up so i could pay some money they wouldnt allow me to. Then they tried to garnish my check in which i tried to set something up again and they told me i couldnt cause wasnt with them anymore or something to that effect. But i didnt make enough money for them to garnish my check so they took my whole income tax check in 2018.
they let XXXX XXXX pull my credit twice in two days why? 

XXXX XXXX  cra violation inaccurate info XX/XX/XXXX Credit Unions XXXX XXXXXX/XX/XXXXCredit Unions
We are writing to ask for your help in our situation with Nationstar Mortgage. Last year we decided that it was time to sell our home, we no longer can afford it, it had taken almost all our retirement funds trying to save our home by waiting for the value of our to go up enough to sell it without having to pay out pocket expenses related to the sale. Here in XXXX XXXX the market had not improve enough for that to happen. We hired an real estate agent to sell it, that is when we found out that the value of our home is still under water by about {$18000.00}. She advised us to file for a short sale, we did that in XXXX of 2014 and as of this date we have not received any communication from Nationstar Mortgage. They told our agent that FHA approved a loan modification, we have never received any detail or written notification from them regarding this decision, maybe it is your a tactic to delay it. We are worry that this is going to end in a foreclosure. 

Here is our problem, following the advise of our agent, we stopped making payment for two months, they place the rest of the payments that we made in an escrow account and blocked us from making payments electronically, meanwhile they sold our loan to XXXX of Florida. They will not return our phone calls or communicate with us at any time of this process, the only contact phone they provide is a call center with voice mail never a human and we leave message after message and they never return our calls. 

Please help us, we are seniors with very little money left, my husband is XXXX years old and I am XXXX, we can afford to fight these people that are in the business to screw the consumers. 

Also I would like to tell you that for the beginning of this process we have a serious offer of {$190000.00} which has not been accepted nor rejected, plus they have been many interested buyers.
The company, " Pressler & Pressler '', " XXXX XXXX XXXX XXXX '', and/or " Pressler, Felt & Warshaw '' have been harassing me for many years. Keep in mind, this is the same company ; they keep changing their name due to the multiple complaints and backlash for their unethical practices. 
They are telling me I owe them {$6500.00} for a XXXX  credit card that had a limit of {$1500.00} ( back in XX/XX/1993 ). They have already stolen a total of {$2000.00} from my bank account on numerous occasions, and they have filed court orders to take my paycheck. I did NOT enter into any agreement with this company, yet the court allows them to levy my bank account and garnish my wages??? I need this harassment to stop. Please help. Pressler & Pressler have been using unethical tactics against me for years. They have just filed a motion to garnish my wages. I do not make a lot of money. Please help to stop this company from stealing my money.
I suspect a scam to prolong my PMI payments. I was advised that an appraiser will contact me in a month. It took over 6 months to get an appraiser scheduled. Then once completed, with a 25 % debt to value ratio, I was denied. It is now being reviewed, and it will take another 2 weeks for the results. Culprit Loancare - Escrow, XXXX, VA.