WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I mailed {$270.00}. towards unapplied funds.

On XX/XX/XXXX I paid $ XXXX.towards XX/XX/XXXX 's Rent On XX/XX/XXXX I money gramed {$85.00}. towards XX/XX/XXXX's Mortgage.

I was told I would not be charged a late fee and I was.charged {$75.00}.

I called 22 times to still not have my payment showing for XX/XX/XXXX.
I opened a Citi Priority checking account in XX/XX/XXXX because I received their advertisement stating I could get $XXXX bonus if I fulfill the following: Open the account by XX/XX/XXXX, fund the account $XXXX, and make 2 direct deposit. There were no mentioning of "existing account holder not qualified" on the ads, and I had a checking with Citi but I still received this ads, so my understanding is that I qualify. I fulfilled all the requirement by XX/XX/XXXX, and did not see the bonus of $XXXX. So I called Citi. The agent did some research, and told me to wait some time. So I waited till XXXX, and called again since the bonus is still not posted. Another agent said I need to wait 3 months after all the requirements are fulfilled. So I waited another month. Still nothing. This time, the agent told me they would research and send me a letter. I received the letter, which said I did not qualify because of my existing checking account. I believe it was very dishonest for Citi to do. First, they should not have sent me the ads if they know I did not qualify. Second, they knew I had an account and should have told me at my first contact. But instead, they told me to wait and held a large amount to them for zero interest for almost 6 months. This is textbook definition of Bait-and-Switch. I cannot believe a large corporation like Citi is doing such dishonest things to its loyal customers.
I applied the XXXX credit card on XX/XX/XXXX and the the policy described that I could earn XXXX Membership Rewards points after making {$3000.00} in purchase in my first 3 months. I had met the requirements ( spending at least {$4000.00} except the annual fee ) and obtained the XXXX Membership Rewards points one month ago, however, XXXX closed my XXXX credit card account on XXXX which I want to keep open and removed my XXXX Membership Rewards points on XX/XX/XXXX.
I 'm not sure if this needs to be a complaint or just an answered question. Anyway, my wife and I went to a car dealership on XXXX/XXXX/15. My wife gave them an application for a car, was told it was approved, and she signed the paperwork and we left in the car ... .I was not part of any of the paperwork, application, nor did I give any of my information. 5 days later, I noticed I had XXXX credit inquiries where that dealer send my info for credit to XXXX different banks. I immediately called them, and they denied doing so. In fact, the sales manager put me on speaker phone and XXXX managers denied that it was even possible, said it must have been someone else, and copped an attitude about the whole issue. I called Wells Fargo, since they are the bank that the dealer said my wife was approved at, and they also denied running my credit. I to.d them that they ca n't deny the inquiry, when 's it 's clearly on my report, and was told again that it was not them. I told them I would get an attorney, so she immediately transferred me to the office of Wells Fargo president. After spending 2 hours on the phone with their office, it was determined that in fact the dealer did use my social security number, but my wife 's information. Wells Fargo called the dealer and instructed them to fix it. I called the dealer back, and he said that they pulled my data accidentally from 2 years ago, but did not use my name. They said it should have flagged that the name, DOB, and jobs did not match the file. They said they were n't sure what to do, but would fix it. Today, after XXXX calls, and XXXX email, the XXXX finally called me back and said that Wells Fargo just switched everything to my wife 's social security and all is good now, no need for new paperwork, or anything else. I told him I wanted a letter that I can provide to XXXX and the XXXX banks, and he said he would. He was still very short with me, never apologized, and acted like it was no big deal. Can something be done for them doing this? I now have XXXX Inquries, and a mess I have to clean up. It just do n't seem fair to me.
Diversified continues to report a collection account on my credit report is unpaid, despite the fact that I paid it in full back in XXXX. I have disputed this account listing several times, but Diversified continues to report the account as unpaid. I am attaching a confirmation on my payment to this complaint.
Bank of America SUBPRIME Mortgage/Bank Fraud! Need Help! 
Today I was contacted by a Bank of America representative named XXXX XXXX. 
He told me he was calling to collect {$39000.00} PLUS 11 YEARS INTEREST on a Bank of America and Countrywide Subprime mortgage loan, which I am unfamiliar with, on a house I sold years ago. He told me that his company had bought a loan in XXXX from Countrywide Subprime mortgage and started accruing interest on it and now in XXXX, 11 years later, he says Bank of America is demanding I pay them {$39000.00} PLUS INTEREST back to XXXX through XXXX. ON A HOUSE I SOLD YEARS AGO. 
I have never taken a loan out with Bank of America or Countrywide subprime Mortgage. 
An attorney had recommended that I call Bank of America years ago when I sold my home to confirm that I did not have a loan with their bank. 
Bank of America representatives repeatedly told me that there was no loan under my name or social security in their Bank of America system. 
XXXX XXXX of BofA told me today to call the main BofA phone number for an exact payoff, of an amount XXXX XXXX & BofA say I owe them. 
However, once I called the number given the BofA representative could not give me an amount that I supposedly owe. 
This is a clear cut case of Mortgage/Bank fraud on Bank of America 's part. 
A TRILLION dollar bank saved during the recession is taking advantage of the " little guy '' consumer, me. Bank of America has been convicted and settled out of court for mortgage fraud. This is simply another case off the same. 
I am a XXXX Veteran and do not have the income or money to defend myself against this corruption, nor do I have money to pay Bank of America what they say I owe them. Please help me. 

Thank you, XXXX XXXX
In 30 yrs of having various mortgages and loans, I have NEVER dealt with a more incompetent and inept financial institution. It amazes me that we 're supposed to entrust these XXXX with money. 
Problem started when my loan was sold to them from another mortgage servicer. Lakeview Loan Servicing took over as the servicer of the loan and promptly started charging me an impound fee for insurance despite the fact that they were provided the insurance information for the property. After dealing with this in MULTIPLE phone calls and finally getting the impound cancelled, my next statement showed a late mortgage payment. This was untrue as well and I have records of every pmt made on time. Six months later and after multiple phone calls with CS agents, the late payment and service charge are still not resolved.
To whom it may concern : I had file Chapter XXXX Bankruptcy back in XX/XX/2008 due to my XXXX XXXX business venture. For the last 10 years I had lost so much opportunity grow any business due to this obsoleted information. Please help me to remove this public record out since it had passed 7 years limitation. 

Thanks,
I called  XXXX  and disputed some inaccuracies on my credit file. These were deleted from my filed and when I called   XXXX   and Equifax they are not wanting to comply. I have inquiries from  XXXX  lenders that I have no knowledge of multiple times in one day.
I was given an auto loan through Santander Financial XX/XX/XXXX for a little over XXXX. Payments of XXXX monthly. As of today XX/XX/XXXX I am still showing a balance of over XXXX dollars. Never missed a payment. They representative stated that any late payments are added to the interest of the loan at XXXX for each day late. Even if this were the case I would 've had to accrue over 365 days late to reflect the current balance which is impossible since I 've only had the car a little over a year. Then I was told my loan total was XXXX which is a complete lie and if it were true that means I would 've paid XXXX dollars within the last year which is also false information according to the records
WF EFS received my certified letter XX/XX/2016 ( attached ) requesting the following information according to the FDCPA 807 [ 15 USC 1962e ] a contractual obligation with WF EFS bearing my signature AND mark my credit report disputed. They sent me a copy of a generic letter from XX/XX/2016 stating a bunch of if this than that scenarios and yet to provide a contract between myself and wellsfargo for the accounts listed in my credit report stating that I am obligated to pay, if they truly looked at my account they would see there are {$0.00} balances and that is not the issue at hand.
On XXXX XXXX, 2014 I received a letter stating to settle my account with Citibank so I contacted them on XXXX XXXX, 2014 to settle my account for the amount in the settlement. The agent I talked with talked in circles and offered me a deal to pay {$88.00} short and she would lower my payment. I wanted to just get from under this debt, since my alimony money was n't being paid to help me out financially. They took the {$4000.00} leaving me to be responsible for the rest of the debt. I contacted Citibank on XXXX XXXX, 2014 and explained what happened to see if I could pay the additional {$88.00} to clear this debt and they said no because I declined to settle the debt. I contacted Citibank again on XXXX XXXX, 2014 and talked to the risk department and was told again they could not honor this settlement and now I 'm being sent letters stating I owe over {$5000.00} again!
this lender is passing the buck the have received my complaint and now sending me correspondence to claim to another part of their organization they already have the complaint as the primary contact
On XXXX XXXX, 2016 I received an alert on my XXXX credit from a company that has never contacted me about the debt. I was never notified via postage mail nor have I ever had a conversation with this company about the debt.
This account was set up without my consent. It was  a student account. Th e charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with Equifax and  XXXX .

  XXXX   XXXX   XXXX   XXXX   #  XXXX   
  XXXX   XXXX   XXXX   XXXX  , DE  XXXX 
( XXXX )  XXXX 
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of  120 d ays in  XX/XX/XXXX  and in
 XX/XX/XXXX <
High Balance: High balance of $  XXXX    from    XXXX   to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Estimated month and year that this item will be removed:  XX/XX/XXXX 
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX       XXXX    XXXX
Ditech Financial LLC is servicing my mortgage. since XX/XX/2016, my monthly mortgage payment has not been properly issued by Ditech. due to this abnormal action by Ditech, my mortage was past due XXXX times already. I had to call their customer service to ask for correction. despite their promise, the issue has not been resolved. XXXX today ( XXXX/XXXX/2016 ), I just have received a call from a Collection agency, accusing me my mortgage is past due! It 's impossible since I paid full amount ( see the attached payment record from XXXX XXXX XXXX ). I asked the person from the collection agency to transfer the call to Ditech customer service. Ditech customer service person first accused me my mortgage is past due, then, I educated the person to see my payment history. It was totally messed up. please see the below my recent payment history ( also attached ). note that this is not the true payment history of mine and that the Ditech has already modified it. Although the Ditech customer service person said they will be going to review/correct this and update me about it, I am not convinced of it since they already failed the same issue three times in the past three month of billing cycles! 

Date Description Amount Current Principal Balance XX/XX/2016 Reallocation {$810.00} {$100000.00} XX/XX/2016 Payments {$1700.00} {$100000.00} XX/XX/2016 Payments {$0.00} {$100000.00} XX/XX/2016 Payments {$83.00} {$100000.00} XX/XX/2016 Payments {$1600.00} {$100000.00} XX/XX/2016 Payments {$780.00} {$100000.00}
my mortgage company will not allow me to make a partial payment and in turn charges me late fees on the full balance
I sent a letter to all XXXX credit bureaus and called the State tax office as well. I was only in XXXX from XXXX and did not work during that time, or own property. I was never in XXXX in XXXX when the lien was filed and this error has affected my credit and only recently was I made aware this lien ever existed.All XXXX credit bureaus are reporting this misinformation. 
Source : XXXXDate Reported : XXXX/XXXX/XXXXDocket # XXXXCourt Type Recorder of DeedsRecord Type State Tax LienECOA JAmount $ XXXXThis information is also false. I was very ill and on XXXX during this time.and evidenced in XXXX hearing in XXXX of XXXXSource XXXXDate Reported XXXX/XXXX/XXXXDocket # XXXXCourt Type : XXXX XXXX Type Civil JudgementECOA IAmount $ XXXXPlaintiff/Attorney MedicalXXXXofXXXXXXXX/XXXX/XXXX claimed to be verified XXXX/XXXX/XXXXDIV ADJ SERVBalance $ XXXXMedical
Hello, I sent EQUIFAX certified letters on XX/XX/2018, XX/XX/2018 and they report back verified and there is no way they could because the collection agency doesn't even respond back to me I have tried to resolve this issue with CREDIT BUREAU SERVICES & EQUIFAX in regards to an apartment that was obtained due to identity theft. I have disputed this account directly with this company. I have sent them my identity theft affidavit and police report but they continue to report and the last two dispute letters I sent them, they have failed to respond. The first letter certified letter was sent to them in XX/XX/2018 with a tracking number of ( XXXX ) and after they didn't respond so I sent them a follow up letter in XX/XX/2018 with the tracking number of ( XXXX ). They sent me a screen shot of a contract that had a signature but I never signed that. I has been well over 30 days and i just want monetary damages and the account to be deleted immediately. Being that the disputed was not responded to well over 30 days I would like this account to be deleted from all 3 CRA 's.
I took out a loan in XX/XX/XXXX for {$15000.00}. I recently called back on the XX/XX/XXXX for a pay off qoute in which I paid. I never received a letter stating that the loan was paid in full, when I called about this I was told that I own more money. When I ask how much is still owed ot ask for an explination., I am told to call XXXX at XXXX but no one ever answers. This practive is simple extortion and a volation of the Fair Credit and Lending act. I also had to report this loan company before for turning mr into collections when the loan was NOT in default.
I am having a problem with Portfolio Recovery Associates. They are reporting an account with a balance of {$1300.00} where the original creditor was XXXX XXXX to XXXX and XXXX. I have written them multiple times requesting evidence that bears my signature that shows I have a contractual obligation to pay Portfolio Recovery Associates. I have not received any evidence that I have requested and they are still reporting this account to the Credit Bureaus.
I had to undergo go XXXX  XXXX and I have been to " XXXX XXXX XXXX '' and all affiliated entities with my insure information countless times over the past few years. However, every time I look at my credit they have filed yet another collection against me for the same things my insurance WOULD HAVE covered had they ever filed it with them. I do not feel I am responsible sense the debt is due to their negligence. Also, my education loans have been with a 3rd party lender sense XX/XX/XXXX & XX/XX/XXXX there should be no delequent accounts with department of ed. And last but not least, I have no clue what 90 % of the hard and soft inquiries on my credit reports are from. I do not apply for loans or credit cards like that. In fact I took out my first loan aside from the truck I got this past XX/XX/XXXX, last month. Please help me fix all this its been hindering me for far far too long. I am and have been a single mom for going on 10 years now. The ex has been locked up all this time so its just me financially and I can't do a thing with this nonsense on my credit. I've tried repeatedly to do it myself to no avail. Thank you for your time
I had an accident EXACTLY three weeks after I bought my bike, an incident which my bike was completely written off. The insurance company was supposed to pay in full but failed, so I ended up paying the remaining balance 3 months to payoff. I have maintained a perfect record by making the regular monthly payment since. But to my surprise this company still kept reporting late payments on my accounts which is 100 % erroneous. 
This letter is a written proof of my intent to resolve this matter and have these inaccurate data expunged from my report before pursuing legal action. 
For yet XXXX last time, the following account late payment history are erroneous : XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/2018, Balance {$1400.00} The reason for my filing of this complaint is to first and foremost express my willingness to prosecute by filing a court case against this company for : 1. Failing to report accurate information to the bureaus.

2. Failing to provide a written Notice before including a late payment into my credit report, a clear
violation of California credit act as well.
On XXXX XXXX I called Capital one to verified I can make a payment using a prepaid debit card. I was told by the representative as long as there was an account number and routing number I would be able to use the card. The next day XX/XX/XXXX I called Capital one back to make a payment. The representative verified while on the phone with a XXXX banking rep, my account number, the routing number and clearance of the total payment. 

On XX/XX/XXXX I find out the payment has been returned. I first called XXXX to find out what happened and they told me the payment never came through. I then called Capital one and the rep. tell me she was not sure why the payment was returned. I then proceed to make the same payment using a different bank account. That payment was cleared the next day so I didn't think too much about it, just thought I couldn't use a prepaid card anymore. 
The day after XXXX I went to use my card and find out it had been closed. After talking to countless representative on serval different occasion. After hours on the phone trying to get this resolved, I finally get an account manger who tell me that they gave them the wrong routing number. The number that was giving was the number to process deposit to the card and not make withdrawals. I do not work for Capital One nor do I work for XXXX XXXX. This is not my fault. I had no ideal there are two different routing number for prepaid cards.

The rep stated that she would request that the card be reopened but there are no guarantees. This could take up to three weeks to process. This is unacceptable. I have had this card for over a year I use it to help with credit building and to help me in between paychecks. Me and my family depended on this card.
In XX/XX/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX Imports in XXXX, Oklahoma and my vehicle was financed through a financial institution that I can not remember. In XX/XX/XXXX I got a letter that my vehicle loan had been purchased by XXXX and that 's when the problems started with XXXX. If I was late with payments, XXXX called endlessly, day and night starting the day the payment was due until it was paid. They actually had my car repossessed twice based on mistakes they made in their accounting department! The XXXX blew a head gasket in XX/XX/XXXX and it was parked not running, but I kept making payments on it and carrying full coverage insurance. Finally at the end ofXX/XX/XXXX I had paid a {$15000.00} loan down to about {$2500.00} so I sent a personal check to XXXX to just pay off the balance in XX/XX/XXXX for the full amount. I waited and waited to get my title in the mail, finally after about 90 days, I got my check returned to me with a letter stating they needed a cashier 's check not a personal check. So at that point I just said forget it, they can have the car, it was n't running anyway. XXXX wrote off the remainder of the loan in XX/XX/XXXX as bad debt, BUT they keep reporting it every month on my credit report to make it look like an active account. At this rate it will never drop off my credit report and it is dragging my credit down. This is not fair for them to keep reporting it every month to keep it active on my credit report and I want them to stop doing it and report it accurately as written off in XX/XX/XXXX and let it go once and for all. To continuously punish me for their inconsideration and bad debt collection practices is more than unfair. Thank you
Ocwen foreclosed on my home in 2010 during our process of doing a Loan Modification which they stated themselves in writing that they would not do. While I was under the impression that Ocwen and I were going to reach an agreement for the continuation of my home ownership they foreclosed on me. Ocwen also made many bogus charges running up my payment and also returned my check for a loan payment uncashed.
My original loan was with XXXX XXXX at the time of the loan it was being paid to them as scheduled we sent them a lump sum and they assigned monies throughout XXXX loans that instead of paying off the loan the was requested. It was then sold the Navient and for months and months we receive bills that said XXXX amount due. we were then notify that we were in default and started negotiating with them in XXXX XXXX we had trouble doing so so we had to involve another party since then they have reported me to the credit bureau you several times which to me is unfair is that I feel is I am under negotiation and I am not getting through to the right department to finalize.
Twice now I have disputed through Equifax with supporting documentation and the receipt showing the judgement was paid and they still are reporting it as open and unpaid not satisfied.
In XX/XX/XXXX my brother 's home at XXXX XXXX XXXX XXXX XXXX, Florida suffered {$13000.00} damage during a storm which his insurance company paid by check, which he sent to his mortgage company, State Bridge Mortgage for their endorsement.

On XX/XX/XXXX my brother XXXX   XXXX  suddenly died and I was named the personal representative of his estate in XXXX. Sense that time I have been trying to recover those funds, first to make the needed repairs so that the house could be sold but State Bridge made it so difficult to access the money that I ended up selling the place " AS IS '' to an investor on XX/XX/XXXX.

The problem now is State Bridge has not returned the money even though the mortgage has been satisfied and each time I've contacted them I'm given a different reason by a different person for the funds not being returned. I've attached documents to support my request for help in resolving this matter.