WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, I submitted a complaint on XXXX XXXX, 2016. The case number is : XXXX. Today I received another call from the same person, XXXX XXXX, stating he worked with XXXX XXXX XXXX ( which does n't exist as a debt collection company ). He again threatened my husband to show up at my house and his place of employment with the sheriff. He again stated that he had summons to serve and if he did n't receive a stand down order my husband would face penalties. Once again, he did n't acknowledge that he was a debt collector. He did not leave the name of the company he supposedly represents. The company name is XXXX XXXX XXXX Services. I 've already asked them to stop calling my number. They still keep calling. The last time they threatened to show up, they never came. We 've never received anything in the mail from them and we do n't even know what they are trying to collect for. I just want it to stop.
The lending bank XXXX XXXX has broken the Military Lending act by charging myself XXXX XXXX XXXX an interest rate that is not in line with the MLA. An Interest rate of 24.9 % is not only predatory but unwarranted. the interest rate plus monthly and annual fees make it impossible to truly pay on the actual debt of the car. This is illegal and systematically predatory. I have spoken to XXXX XXXX over 10 times the fees and interest keep compounding and the balance is now higher than the original loan amount.
Over the last 5 months I have faxed loan deferrment and cancellation forms Campus Partners. Each time I have faxed, I 've recieved conformation that the documents have been recieved, but according to them, they have not recieved the paperwork, despite faxing from my jod, XXXX AND XXXX XXXX. Each time I 've called, I gotten different information from different customer service agents. As a result, I now have a poor credit score and can not buy a larger home to better accommodate my XXXX mother who lives with me. 

Campus Partners is poorly organized and has no system for managing recieved paperwork and paymenys. 

I work hard to maintain a great credit rating and pay my school loans on time ... {$470.00} each month. Thanks to Campus Partners, I now have a default for {$160.00} on my credit report. If I could sue them, I would. 

I 've since called them today and now they need something else. 

THIS COMPANY SHOULD BE PERMANENTLY CLOSED!!!!
on X/XX/17 my husband and I both tried to freeze our credit reports after Equifax ' security breach. Despite repeated attempts and being force to enter our SSN 's, we got this message : System Currently Unavailable - Error 500 We 're sorry. We can not process your security freeze request online at this time. Please try back later. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you.
I just received a certified letter from the XXXX XXXX Sherriff office that CBE Group in XXXX , IA is garnishing my wages. I do not even know what this is for or about. I did have a bill with them for {$17.00} which I have paid XXXX times. Yes, XXXX times with them. I have not gone to court with them recently to even have a verdict to garnish. The attorney is XXXX XXXX out of XXXX, IA for the CBE Group. I tried to call the CBE Group to see what this is about, but at XXXX CST their phone lines said that they were closed. Their phone line also stated that they close at XXXX CST. I also just pulled my credit report and no where on any of them is CBE Group on there. I have n't even received a bill.
I sold a fitness smartwatch on XXXX. the watch was delivered on the XX/XX/XXXX. pay pal is holding the funds and refuses to release the funds. I provided tracking information in regards to the items delivery. please help
I was given a payday loan of {$2600.00} from a Company called XXXX XXXX back in XXXX of XXXX. This loan was illegal in my state of NJ. I found that out after taking the loan, and after I had paid back over {$1800.00}. Payments were {$290.00} per month, and hardly any of it went to principal ( probably less than {$20.00} a month ). 
Once this loan was issue, it was immediately taken over by some company in California called Cash Call so that it would look like a legitimate installment loan. 
I was advised not to pay anymore money to this company in XXXX of XXXX. They were taking money out of my bank account, but I changed the account number once I was told not this loan was illegal. 
I have complained about this company previously. They keep sending me offers to make payment on a loan that has now grown to over {$10000.00} ( {$10000.00} ) from an original loan of {$2600.00} of which payment of {$1800.00} had been made. 
They are asking me to settle this loan for XXXX lump sum of {$1200.00} by XXXX/XXXX/XXXX, or make XXXX payments of {$170.00} starting by XXXX/XXXX/XXXX. 
I am not paying them another cent for an illegal loan that they did not initially make! 
Why are these people allowed to stay in business???? they are crooked and charge up to 300 % in interest. 
I want them to cease and desist their collection efforts and wipe this loan off their books and my credit report. Pls help.
I am aware of what this credit card debt is and it is well over 7 years old, which is well over the statute of limitations for debt collectors to collect this debt. It 's so old it should no longer be reported on my credit report which is causing me financial harm and XXXX in trying to get a home mortgage.
In XXXX XXXX I requested a balance transfer in the amount of {$4500.00} ( 0 % APR till XXXX XXXX with 4 % one-time balance transfer fee ). It was approved by my Wells Fargo credit card and I paid {$180.00} balance transfer fee in XXXX XXXX. At that time I also had a balance of {$1700.00} as a result of my credit card purchases. In XXXX XXXX I made a payment in the amount of {$1800.00} to pay off my credit card purchases. I assumed that Wells Fargo would no longer charge me interest fees as I already paid for my purchases and for my balance transfer. In XXXX XXXX my balance was {$4200.00}. However, later I discovered that they were charging me interest fees. Overall during the next 4 months they charged me {$70.00} in interest fees. 
At the XX/XX/XXXX I called them and was assured that this is a mistake ( usually clients ' payments apply to a higher-interest balances ). They promised me to look into that again and fix everything within 3-4 business days. About a week later I called them again and they took completely different position. They told me that they divided my XXXX payment between my balance transfer and my purchases balance ; therefore, they charged me interest fees. I did not plan to pay my balance transfer in full or partially before XXXX XXXX. I only planned to make minimum payments. So, I am puzzled why they divided my XXXX payment and did not apply it to my purchases balance. I attached all my statements. Thank you, XXXX.
I closed XXXX sold XXXX my home on XXXX/XXXX/2015. Green Tree Loans was the holder of my XXXX mortgage. I attempted to cancel my autopayment on XXXX/XXXX/2015 ( when I realized the XXXX payment had already been factored into the payoff quote ) but apparently it had already been 'pre-drafted '. 
I reached out to Green Tree the day after XXXX XXXX/XXXX/15 XXXX to notify them of my new address they should use to send my me a check for my extra payment ( because they could n't remit to the sending bank account # XXXX. After not receiving a check w/in the 30-day window, I called Green Tree. They said they had shipped it to my old address. And they could n't send a new one until the old check had been cancelled. It 's now XXXX, I 've called twice to make sure my check would be sent out, and twice I was assured they were on top of it, and they would call me when the check had been mailed. Still have n't heard a word from them OR received my money back! Where is my money? Are there fees/penalties they should have to pay? They were charging me interest at 7.5 % on that mortgage, but I must wait endlessly while they hold my money interest free?!! 

Additionally, when I refinanced almost 3-yrs ago, my rate lock almost expired because Green Tree refused to work w/ my bank XXXX XXXX XXXX XXXX even though it was a no money out refinance, to a lower rate, and they had already received the subordination fee. The customer service is horrendous, and I 've felt powerless to do anything other than wait while they run me around and give me nothing but stories about where my money is! 

Please help!
Called creditor they agreed to remove this account from my profile, It has been 60 days and they have not done so XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Potentially Negative Account Name XXXX XXXXXXXX Account # XXXX Account Type Banks and S & Ls Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$0.00} Payment Status 90 days past due High Balance {$950.00} Limit {$750.00} Terms Comments XX/XX/XXXXXX/XX/XXXX
On XX/XX/XXXX I contacted your office to settle an account. On XX/XX/XXXX I received a settlement offer letter from you company with XXXX different payment options. At that time I did not have the money to take advantage of either option. I'm a single mother and only have XXXX income. I've now saved enough money to take advantage of the first offer on the letter I received in XX/XX/XXXX. The offer stated a single payment of {$410.00} by XX/XX/XXXX. I called your office today to see if they would allow me to take advantage of the offer even though it's has expired. Like I explained earlier I did not have the money at the time of the offer. I spoke with a young lady in your and explained what I was calling about. She stated she would have speak with the operation manager to see if the offer could still be accepted. A young lady by the name of XXXX XXXX returned to the and explained that I wanted to settle an account and that I could pay the {$410.00} today, XX/XX/XXXX. She said she would attach a letter stating that your company would agree to accept the offer of {$410.00} and settle the account. I stayed on hold while the letter was being prepared. Once I received the email with the letter attached, it stated an incorrect balance and stated that I was agreeing to a payment plan. I never stated that I want to make an arrangement for a payment plan. At this time I was place on hold. I again held the phone for 10 minutes waiting for XXXX XXXX to return. Finally I was told that XXXX XXXX would return my call. My call was not returned. I also attempted to contact XXXX XXXX via email. I have not gotten a response yet. I was very disappointed that we discussed a payment of {$410.00} to settle the account and received a letter stating something completely different. I felt like I was being made a fool. No matter the circumstances, I don't feel customers should be treat in this fashion.
Santander consumer usa has knowingly entered into a contract with XXXX XXXX XXXX who has reported incomes, which was used to support my loan application submitted I have told them the income has to be incorrect and inflated. They have promised and investigation and has not came to any resolution on the fraudulent income reported which shows they are still up to their old tricks supporting these fraudulent actions. They have given a XXXX per month loan to a single XXXX mom with no job and an income of XXXX from XXXX XXXX with the department of XXXX XXXX. I thought I was going thorough the XXXX program which projects income WITH the PROMISE that in six months it would be lowered alot or I could get a hybrid which did not happen in six months. I later find out the XXXX program was over when i signed the contract and projected income was not permitted so I am in a fraudulent scam deal by the dealer and Santander.
I have Santander Consumer USA on my credit report and they are over 7 years old and should be removed from my credit report. Also, they sold the debt are hired XXXX XXXX XXXX after sending XXXX XXXX XXXX a Validation Letter they removed themselves off my credit report. But Santander Consumer USA didn't follow through with the same actions. I would like for Santander Consumer USA to remove themselves from my credit report because they are 7 years old and the FCRA and FACTA both states that the credit report has to have accurate information on it. In this case XXXX has not been following the Law.
Per an advertisement for an incentive of {$400.00} to open a new checking account in order to attract new customers, which is still going on on the Citi website, I applied for and was approved for a Citibank Account Package for account # XXXX. My initial deposit of {$15000.00} posted on XXXX XXXX, 2016. 

Per the terms for the incentive it stated that in order to qualify for the {$400.00} incentive I would need to open a new Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days, which I complied with. 

On XXXX XXXX, 2016, with {$15000.00} still in my account untouched, I sent an a message through my online account to confirm that I met the qualifications for receive the {$400.00} incentive. On XXXX XXXX, 2016 I received an email fro XXXX XXXX, Director of Client Research, that I had indeed met the necessary requirements and to allow 90 days from the qualifying translation to receive the {$400.00} incentive. 

The terms do state that the new checking account in The Citibank Account Package must be open and in good standing at the time the cash bonus is credited to the checking account. By XXXX XXXX, 2016, the {$400.00} incentive should have been applied to my checking account which I fully intended to comply with the terms and to keep the checking account open until then, and even longer in hopes for a good relationship with Citi. However, when I logged into my account on XXXX XXXX, 2016 I noticed my balance was {$0.00} and that the account had been closed. 

I called the customer service line where they stated they could not see a reason for the closure but that a check for the {$15000.00} had been mailed to me and to call the new account customer line on Tuesday with any other questions. I received no notification or information on why the account was closed. I found it odd that shortly after receiving a letter that my account was investigated and that I qualified for the incentive, my account was closed days later. This has left a bad taste in my mouth about how Citi runs their business and has me questioning if I would want to have any relationships with them in the future.
I paid off my loan with a bank issued check on XX/XX/XXXX. Navient cashed the check on that date ( email from bank attached ). The payment never posted to my account, so I called Navient on XX/XX/XXXX, and was told to be patient, that it sometimes takes some time for it to show on my account. 

I called again today on XX/XX/XXXX and spoke to XXXX, who told me that he could n't locate the payment, and that " it might eventually get refunded to me if they ca n't find a home for the money. '' I wrote my ssn on the check, along with account number, more than enough information to locate my account.
Specialized Loan Services has been using unfair accounting practices to charge usurious fees, and also to claim I am 60 days late. I have spent days on the phone, much of it on hold for hours and hours, often getting hung up on after investing half a day, and each new person I speak with can not tell me directly the status of my account. Even their employees ca n't make sense of their internal ledger. When interest rates change, and my monthly payments is updated, I am not notified. Months pass and my automatic payments continue diligently, until one day I receive a notice to foreclose on my home. Shocked, I call them and, eventually discover I have a new payment amount, arrive at an agreement of what I actually owe, and make an additional payment to cover the differences and fees to become current. Many months later, as this has happened on several occasions, their accounting somehow shows something completely different. 
I am told that I missed payments. I have bank verification proving that I did not, but they insist, because of their bizarre accounting, that I am wrong! 
I am getting nowhere and I am beyond frustrated. It would not surprise me to learn that some of their methods are illegal. The hour minimum " hold '' times, rude representatives, muddy accounting, and the mysterious disconnects are very discouraging. By discouraging frustrated customers who are trying to resolve a problem, more fees will be generated - meaning more income for SLS.
I have almost 30 fraudulent inquiries on my report and a collection account that is fraudulent. I have disputed this THREE times with Equifax and they refuse to remove the fraudulent information. The collection agency completed their investigation and determined FRAUD and asked Equifax to remove it, yet it is still there. Everytime I call they tell me something different and this is seriously preventing me from obtaining credit ( home mortgage ).
I sent a letter to the XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me the billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
I sent the followin commen to Bank of America : All I wanted to do was activate my cxard, # XXXX. Instead I get advertisements for " XXXX XXXX '' vacation in the XXXX, and loans. All I want to do is actiovate thje new care THAT I DID NOT ASK FOR If I ever experience this again, I will cancel my ssociation with your bank COMPLEtELY!!!! 

I still am not certain that I was able to renew my account. 

I had about six different promotions offered to me rather than the promised reactivation of my card.
I have sent multiple letters to Experian with regards to the XXXX that is reporting on my credit file. I have informed them on a number occasions that this is not my account. But have not had any success in getting them to remove this account from my credit file. I am in need of your assistance in getting this matter resolved.
I opened up an account in XX/XX/2018 with Bank of America and they sent me an account number and card. I sign up with a {$100.00} promotion they were offering, which required setting up direct deposit. After setting up direct deposit through my employer, one {$250.00} direct deposit went through and then Bank of America froze the account so the other {$250.00} deposit would not go through and then closed my account. I called XXXX and spoke to XXXX and she could not give me a reason for closing the account. 

It is unethical to offer a promotion and open up an account for someone, and then as soon as they meet the requirements you close their account before delivering the promotion.
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX account number XXXX ; 2. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
My fixed rate mortgage payment went up again because of escrow. Nationstar never offered me a choice of paying the difference off or just accepting the payment hike. This happened for the second time with that company. Whereas before, when my mortgage was handled by other companies ( at least XXXX in the past ), I was always given that choice and was able to keep the payment amount the same. When I talked to Nationstar 's mortgage representative he said that they had sent the notification by email. I checked. That email did not have any sort of offer to pay off the escrow shortage. And even after I paid off the shortage while on the phone, the representative still said that the payment amount would still increase, even though less than before I paid shortage. I would like to know why a fixed rate mortgage payment still goes up with Nationstar and more importantly, why do they ignore my right of a choice to pay off the shortage before they bill me with higher mortgage payment. And why do they not let me to pay the Escrow myself? The Nationstar 's mortgage representative was not helpful with those questions. But he did send me the Annual Escrow Disclosure Statement this time, when it was too late.
I closed an account with Capital One in 2010 after their failure to protect my account from being charged for items that I had not purchased. Prior to closure I had only used the account for travel activities. I have had no business relationship with Capital One since my retirement in 2010. Today I received a statement fro Capital One saying I have an outstanding balance of {$5.00} and they have accessed me fees of {$15.00}. They allege I used the card in XX/XX/XXXX, thus I reactivated the card. While they agreed to close the card they allege I am responsible for all charges and fees to date. I have not had a Capital One card or done business with this bank for over 7 years and did not charge anything to this old account in XX/XX/XXXX. I want the charges cancelled, fees written off, and no adverse report to any credit bureau.
Went into PNC BANK in XXXX XXXX, FL to enter vault ( both keys in my possession ) I was told my step-father XXXX XXXX a man suffering from XXXX residing in the XXXX XXXX XXXX XXXX XXXX facility in XXXX XXXX XXXX, FL came into branch with locksmith and DRILLED OPEN VAULT. XXXX XXXX was a signer, however PNC was fully aware of XXXX XXXX mental condition. There is a " TRO '' in place banning him from location of bank. Temporary Restraining Order was given to PNC ... Lead Teller XXXX XXXX - along with Branch Manager. Yet they allowed XXXX XXXX to break into vault. Approximate amount of assets ( bonds ) {$170000.00} to {$200000.00} was stolen out of vault under the eyes and assistance of Branch Mgr. XXXX XXXX and Lead Teller XXXX XXXX. I have requested on several occasions copies of ALL vault documents and signature cards - PNC claiming Docs and signature are missing, lost ... That is a criminal act. XXXX XXXX of PNC Executive Offices has been made aware -- - ( XXXX ) 5XXXX Still nothing. Please LOOK into this matter and if required make a referral to the US Department of Justice, Washington, DC Thank you!