WillisBack/dataset-financial-user-claim huggingface dataset:
Have made my mortgage payments on time since inception with this company ( 7to 10 years ). All of a sudden, they start calling and informing me that I 'm {$480.00} late and considered late every month. This is the first I have heard of it ever. I was forced to pay the amount on the phone so as not to be reported " late '', and was told a payment dispute tracking request would be initiated. Never happened and never received any information/update from Seterus. 
An agent called from Seterus TODAY to tell me my payment was late. It was paid on XX/XX/17! Not in their system apparently but my bank shows otherwise. I was told it 's my problem and I have to submit a request in writing to get them to do anything. I have done nothing wrong. I am up to date, but they will send me nothing to confirm that. Agent, XXXX XXXX XXXX looked at my file today and said that there were no payments due other than XX/XX/2017, which I have paid on the first. He referred me to " XXXX '', his supervisor, and he had no answers either! I work, stressful life like many, and have already been robbed of at least two hours of time with these people with no answers! No agent has any real knowledge of what they are doing and how to help the consumer. This is wrong! Life is stressful enough. Now another evening is ruined by these inept people. You pay your mortgage and bills on time, do everything right so as not to have unnecessary problems added, and then something like this happens. I feel I am being harassed and I want resolution. I have to work so I can keep my home.
I have XXXX mortgage loans with Nationstar Mortgage. XXXX of the loans was paid in full because I sold the home. Nationstar Mortgage withdrew a XXXX payment from my bank account for the property that was already paid off from my bank account. Therefore my primary residence loan that I have with them was unable to be paid because of insufficient funds in my bank account. I contacted them as soon as I realized what happened. I spoke to several representatives regarding this issue. I was transeferred to a manager and she said they would send a check to me. After 2 weeks i contacted the manager and she said they would transfer the funds to my primary mortgage. I received a letter stating that my loan was 35 days past due and was going to be sent to the credit bureau. 3 weeks later and I just received a check from them and it is short {$1000.00} from the payment they withdrew from the account. I have been unable to get into contact with the manager at this time to see why the account is short. I would like to get the remaining balance of {$1000.00}. I need this to pay my mortgage. I do not want my credit to be affected by their discrepency. I have phone records and emails that show how many times i tried contacting them regarding this issue. 

Please contact me regarding this issue ASAP. I can not afford to have a delinquent payment on my credit. 

Thank YouXXXX XXXX
ATM card stolen. Bank not honoring law regarding burden of proof and reporting requirements. Action will also be filed with the Office of the Comptroller of the Currency.
The debt is for the alleged " rental '' of a wheelchair for my son. 

My son ( then XXXX years-old ) was visiting my sister in XXXX, CA when he fell and XXXX He was taken to the emergency room where he was treated and discharged with a wheelchair. 

My son was insured and I was contacted by an agency with the wheelchair - XXXX XXXX XXXX. The agency said that they thought the insurance co would cover the cost {$210.00} +or-. 
I also provided my credit card number to pay for it in case it was not covered. 

Months went by and I did not hear from anyone regarding the wheelchair. Nor did I receive a statement or status. 
Now XXXX is trying to make my son, who just made XXXX and is XXXX with a XXXX, pay for some " rental '' of the wheelchair that is now {$670.00}. 

My son was a minor at the time this happened and there is no way they can charge him personally for anything. That is the craziest thing I 've ever heard! He is also XXXX, and on SSI and there is NO way I will let this predatory behavior continue or affect his ability to have a decent financial future. 

Thank you.
On XXXX/XXXX/16 I leased a new vehicle. The dealer is XXXX miles from my house so I quickly signed so that I would not get hung up in traffic. The numbers were negotiated before I arrived so I considered it to be pretty straight forward. 
I have been away from home so I contacted Mercedes Benz Financial Services to get my account info for upcoming payment ... I asked to be emailed a copy of the contract. When I received the email is when I saw the error in the Consumer Lending Act Disclosure box. I called MBFS again to question this. I actually had to get rude with the rep to get him to finally admit that it was incorrect, then his reply was, 'We were not at the table when you negotiated and signed this contract so you will have to take it up with the dealer.. ' Are you kidding, this is a FEDERAL DISCLOSURE box that MBFS has funded with an error. When I asked how they could possibly fund this contract he told me to take it up with the dealer. WRONG, because the contract now belongs to MBFS and they made the error by funding this incorrect contract.
My attorney has been continuously trying to process a short sale of my home with Wells Fargo. Despite several phone calls and emails to Wells every single day, Wells continues to not respond and then a few days closes out the file due to " missing documents '' even though they never tell us what is missing. It seems as though they do not want me to short sale my home, they would rather foreclose on it. They have been impossible to work with and continuously avoid our phone calls and emails. Please help before I get foreclosed on.
I was a victim of identity theft related to my employer, XXXX, experiencing a cyber attack in XXXX 2015 and my personnel information was stolen. As a result, in XXXX 2015 persons unknown used my credit information to obtain a Bloomingdales credit card and subsequently charged {$9000.00}. Despite my sending Bloomingdales a police report, a copy of my complaint filed with the Federal Trade Commission, and a letter from the Office of Personnel Management of the Federal Government acknowledging my personnel file was XXXX that was hacked, and enrollment XXXX who is currently attempting to resolve this matter, they have sent me bills, collection letters and recently a brand new credit card stating " per your request. '' This has been going on since XXXX 2015 and is extremely stressful to me. In addition, they have reported to the credit bureaus I am 90 days delinquent and my credit rating gone down.
This company has tried to collect an unverified debt I have tried to solve this matter with the company several times and was actually advised by one of their former employees that they try to collect extra payments from past tenants after they lawfully finish their lease. They have sent over copies of another customers lease agreement and contact information. I am a XXXX veteran who has been unfairly taken advantage of and i need help this company deserves to be fined for trying to take advantage and overcharge consumer with fake charges.
I have encountered fees when I have purchased items from certain vendors. Such as XXXX XXXX or XXXX. I make the purchase with fees in my account. The account debits the amount. Later, Citizens does not withdraw the amount. FOR WHATEVER REASON. I guess this is the part where they are going to make their money. They put the money back into my account showing I have more funds than I actually have. Online, it shows that I have the extra amount in my account. Again, what is the purpose of having online banking if the amounts are not true? I may have spent the extra cash but my account reflects online that I am able to deposit the money into my account at a later date to avoid fees. Why do you have this system in place saying if you deposit by 10 you wo n't get a fee? Next time I will take screen shots of how this took place. Better yet I will find a new bank.
I purchased a property in XXXX ( XXXX XXXX ) and used Bank of America to finance the 1st and 2nd mortgage on it in XX/XX/XXXX. Unfortunately, the condo I purchased was involved in a real estate scam and as a result lost its value. On top of that, I had an unfortunate tenant issue where the tenant got diagnosed with XXXX XXXX and was dealing with mounting medical bills, and eventually could no longer pay rent. I tried to work out a coop short sale in XX/XX/XXXX with Bank of America but they basically ignored me and then foreclosed on me less than a year later in XX/XX/XXXX. The first mortgage account got closed out in XX/XX/XXXX, but it took Bank of America another 2 years to close out the 2nd mortgage account in XX/XX/XXXX, which prolonged the derogatory marks on my otherwise pristine credit score. To add to the insult to injury, when the 2nd mortgage account was closed out in XX/XX/XXXX, there was apparently unpaid interest due ( {$44.00} ), but Bank of America never notified me of the amount due. In XX/XX/XXXX, I received a letter from Bank of America notifying me that my 2nd mortgage account was closed, and my account was " paid in full '', so I assumed that the nightmare was finally over and that my credit score could finally come back. However, this was not the case, because when I tried to qualify for a mortgage for a home purchase XX/XX/XXXX, I was notified of the {$44.00} that Bank of America claimed that I owed, and, since they could not collect ( since I did NOT EVEN KNOW ABOUT IT ), they closed the account ( AGAIN ) XX/XX/XXXX with derogatory remarks, which caused my credit score to go down again! I am upset with Bank of America because there was never any notification of this unpaid interest when the account was closed. Additionally there was the misleading letter that was sent to me that indicated that I did not owe anything, since the account was " paid in full ''. I called the Bank of America recovery department and they were not apologetic to my case, and even mentioned that there is no communication between the active loan department and the charge-off department, so therefore consumers are not educated on the fact that there COULD still be monies owed, even if the account is closed!! This issue is basically preventing me from being able to purchase a house for my family, and this foreclosure happened FIVE years ago!
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from my credit report.
I am contesting the account with XXXX/XXXX XXXX It is an account that was opened without my consent. It is showing a balance of {$440.00} with a {$250.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 176 % usage. I need Experian and XXXX/XXXX XXXX to correct this account on my Experian report. I should not owe XXXX/XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.
I transfer XXXX from my binance account on XXXX and I still have not received the currency at all. I contacted customer support various times but they stop responding to me days after they respond to my request this honestly ridiculous. 
the amount i sent was XXXX XXXX. 
I have all the confirmations that it sent but coinbase still refuses to send me my money. 
I have even the blockchain confirmation that the amount was sent to the wallet they told me to send it to. 
https : XXXX all the info that is needed is here
I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me.
My ex-girlfriend explained to me she wanted to build her credit and had opened a credit card with Synchrony Bank who administers Care Credit for XXXX and health related charges. She told me she had listed me as an authorized user on the account and asked me to charge my XXXX on her card and pay her directly for the charges. This way she could build her credit rating which was poor. 
I agreed and had XXXX performed and paid her several thousand dollars for those procedures believing it was her card alone and she was paying down the card as the charges came in. In reality, I later discovered she was only paying the minimum monthly payment and leaving the balance in full which was accruing at an interest rate of a usurious 29 percent! 
After separating from her I asked my dentist if I could open my own care credit account. To my shock, they stated that I already had an account open and that I owed over XXXX dollars on it! Evidently, the card she opened on line listed me as a cosigner, not an authorized user. I was never informed of this. I immediately called my ex-girlfriend infuriated and demanded an explanation. She stated that she had never listed me as a cosigner, only listing me as an authorized use. I called Synchrony Bank and told them I was not a cosigner. Synchrony Bank stated I was listed as a cosigner via an online application. I told Synchrony to give me the account number and send me statements of the card and they refused to do so unless I changed the address for billing. I called my ex back and told her I would close the account and she stated if I did so she would never make any payments on it again and then balance was over XXXX dollars at the time. She stated if I changed the account in any manner she would default leaving me the full debt. Synchrony stated I could close the account if I chose to however she stated that if I changed the address or closed the account she would default. She always maintained the account was her account and not mine and I had no right to change anything on the account! 
So, either Synchrony Bank has taken my information from an online application and changed me from a authorized user to a cosigner or the ex-girlfriend listed me as a cosigner not an authorized user without my consent. Either way I am a victim of identity theft and fraud. 

Synchrony bank refuses to release any documentation of the account to me including the account number unless I change the primary address on the account. I explained to them my ex threatens to default completely on the debt if I change the address. Synchrony bank continues to deny me any documentation although they have been informed of the consequences if I change the address. Synchrony bank claims it can not send out statements to me without removing my ex-girlfriends address from their billing list. I find that claim to be ridiculous in light of the circumstances. I believe Synchrony Bank has ulterior motives to get me to change the primary address to myself and this is why they refuse to send statements to XXXX addresses. Thus, I have no documentation or even an account number to file.
I have a {$700.00} XXXX XXXX credit card managed through XXXX XXXX. I filed for bankruptcy two months ago. My lawyer and the Bankruptcy court of Tennessee has contacted them to make them aware of my bankruptcy filing status. They have filed a claim in my case. However, they continue to call me from multiple numbers all day every day upwards to 20 times a day, and often use a restricted number with which to call me from. They even call Sundays while I'm in church at XXXX. However they always use a restricted number to call me on Sunday mornings. I have contacted my bankruptcy lawyer regarding this issue, as well as informed the company with this issue, however they continue to harass me. I have provided some screen shots of my phone log but can provide copies of my phone bill for better clarification if needed.
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX, XX/XX/XXXX.
I received a letter dated XXXX XXXX, XXXX from a company called Dynamic Recovery Solutions. They claim to represent XXXX XXXX XXXX XXXX. They list an original creditor as XXXX and an account ending in XXXX. They say I owe {$740.00}. I feel that this is incorrect as I have no Creditor known as XXXX. This does not appear on any of my current credit reports as an account. If this is my account I am sure it is old and past the statute of limitations in the state of Tennessee or perhaps it was an old account included in a bankruptcy I filed in XXXX. To summarize I feel that this is a non-collectable debt and I deny any and all responsibility for it.
XXXX XXXX XXXX  XXXX XXXX, XXXX. now named Bank of Ozarks obtained the bank in a Merger. The subject is a XXXX XXXX XXXX that I purchased then with good credit and score from XXXX XXXX  dealership of XXXX, NC was begged/ conhersed with 9.99 % interest rate. 
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX now Bank of Ozarks and the salesman told me they'd lower the interest rate before my first payment. The President of XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX spoke to me in depth about XXXX XXXX reporting late payments months after month lowering my credit score and reading my credit reports violating my FCRA - Fair Billing Act while maliciously reaged my credit report while the XXXX XXXX XXXX in XXXX XXXX possession and voluntarily was already sold illegally by XXXX XXXX ( Collections Department ) and XXXX XXXX ( President of Bank of Ozarks ) Employee of XXXX XXXX XXXX/Bank of Ozarks. XXXX XXXX was undeterred in her actions against reporting fraudulent activity to my credit report while loosing me contracts, homes, other nicer vehicles hurting my good character. The Lt. Governor XXXX is my friend and worked on several projects in the community together spoke to XXXX XXXX told Lt Governor XXXX the vehicle repossession was correctly reported XX/XX/XXXX Lt. Governor was disappointed that The President of the Bank was violating my FCRA and Fair Billing Reporting Act. Lt. Governor XXXX also was concerned about Collection Practices of XXXX XXXX and Collections Practice 's. XXXX ( President of XXXX XXXX XXXX  XXXX XXXX, NC.caused me Great Hardships Financially, Socially, Mentally, by not acting according to NC Law. 
I have a Notarized Copied and Dated Copy from XXXX XXXX employee of XXXX XXXX XXXX XXXX XXXX, NC proving my XXXX XXXX XXXX was voluntarily returned on the date of the Notarized Bank Document signed on the day of XX/XX/XXXX without the knowledge of XXXX XXXX until after XXXX XXXX XXXX was returned by my fianc XXXX XXXX. XXXX XXXX volunteered and telling XXXX XXXX Thank You most people have to have their cars involuntary repossessed it was refreshing to have XXXX XXXX to act responsibly. The completeness and or accuracy is on the financial services institution to be reported correct on my credit report. While XXXX XXXX used the vehicle of XXXX XXXX XXXX as a weapon with the approval of President XXXX XXXX to violate my FCRA Rights viciously attacking my credit report Everytime I dispute their errors.The contract I signed also with XXXX XXXX XXXX   XXXX XXXX/Bank of Ozarks and the collections practices speaking to neighbors about my account while voluntarily returned the XXXX XXXX to the XXXX Branch. My privacy rights were violated maliciously without any regards to NC Laws by XXXX XXXX and XXXX XXXX. It was important to violate my rights so the merger would happen.
HUNTINGTON RAN MY CREDIT TWICE IN ERROR! ONLY WAS TO SOFT INQUIRY.
it appears there is a respa violation re pmi mo kickback scheme of 40 % plus alleged late fees being allegedly paid when upon default the pmi reinsurer paid XXXX when the servicer instructed me to default which caused a XXXX XXXX and additional emotional duress they have alleged XXXX is in a escrow account yet i am paying my property taxes directly to the assessor and there would not be any pmi mo or pmi mo late fee ... allegedly every mo the date is XX/XX/XXXX amt XXXX and XXXX ... total XXXX after 12 years.. 

XXXX would have paid XXXX upon default and the servicer instructed me to default XX/XX/XXXX which caused a XXXX XXXX and emotional duress thereafter since they allege they are paying the pmi mo this would indicate the respa violation is renewed so the statute has not expired. 


it looks like they want to be compensated that XXXX amount if the judge should grant them a foreclosure which i am fighting and disputing since they forged all the docs see attached all their docs are forged and they have never verified their docs are legit ... which they aren't everything fabricated by XXXX XXXX and XXXX XXXX XXXX  XXXX a person that alleged to be XXXX was actually a XXXX XXXX  employee named XXXX XXXX ... passing himself off as XXXX the file shows who he is with and then after mediation he made a request for payment of fees ... i was forced to sign out under duress ... see attached file
This piece is about Chase Claim Number : XXXX On XX/XX/2017 XXXX hours, I received a text message reporting suspicious activity from Chase checking account ; I immediately replied to the text message response refusing the charge, confirming Chase 's suspicion of fraudulent charge. The purchase exceeded the amount of cash in the debit account linked to the card used in the fraudulent transaction. Per the Bank, the fraudulent purchaser was able to transfer money {$4500.00} from another Chase savings account to the Chase Checking account, by calling the bank. This information was learned from the Chase representative over phone while discussion on fraudulent charges was ongoing. The same day XX/XX/2017 Over the phone, Chase indicated that it would issue me a credit in the amount of the fraudulent purchase ( {$2500.00} ) back into my account. 
XX/XX/2017 Chase issued a Chase Customer Claims letter stating the temporary credit has been reversed, without any further explanation. The letter indicated that I was right in confirming the information provided to the bank on XX/XX/2017 yet Bank went ahead and reversed the charges of {$2500.00} in the letter received from the bank on XX/XX/2017. 
The story does NOT end here. There was no credit taken out of my account when I enquired from the bank on XX/XX/2017. Since I had not heard from Chase, and the credit had not yet appeared in my bank account balance, I called Chase for an update. At this point, the telephone agent informed me that I would not receive a credit and would be charged for the fraudulent purchase. The only thing representative mentioned that the card was a chip card and was used at the terminal, even though I did not make the charge the card was used. 
Chase reversed the credit, and my account shows a fraudulent charge for {$2500.00} as of XX/XX/2017. Since XX/XX/2017 having reached Chase 3 times over the phone and 2 times personally at the XXXX CA Bank location. I learned today that my case is closed without further providing me with the information how the Bank reached to the conclusion.