WillisBack/dataset-financial-user-claim huggingface dataset:
My XXXX-year-old mother incurred a {$29.00} charge on her Sears/Citicorp credit card with payment due on XXXX, 2016. She wrote a check ( # XXXX ) on her XXXX XXXX XXXX account for that amount on XXXX XXXX, and mailed it on XXXX XXXX. Sears/Citicorp acknowledged receipt of the check on XXXX XXXX, a full 10 days after it was mailed. The check cleared on XXXX XXXX. 
As a result of being one day late ( either because of mishandling on the part of USPS or Sear/Citicorp ) my mother incurred a late fee of {$31.00}. Thinking this was a billing error*, she did not contest the fee. As a result the monthly fees mounted, reaching in excess of {$90.00}. 
I have power of attorney for my mother, and she requested that I help her in disputing these fees after she herself attempted unsuccessfully to do so. I sent a copy of the POA via fax to Sears/Citicorp on XXXX XXXX using a number XXXX of their customer service representatives gave me. When I called a week later, their customer service representative indicated that the company did not receive the fax because I used the wrong fax number. She provided me an alternative fax number. On XXXX XXXX I sent the same material to the XXXX numbers I had been given. The company acknowledged receipt in letters to my mother dated XXXX XXXX and XXXX XXXX. 
I subsequently called Sears/Citicorp and requested to have all the late fees waived. They were unwilling to do so, even after learning of the circumstances ( XXXX-year-old cardholder who mailed her payment nine days prior to the due date ). They were willing to waive only one month of fees, leaving me to pay {$62.00} to reduce my mother 's balance to XXXX. 
I understand that, technically, Sears/Citicorp has the right to impose these fees under their agreement with cardholders. However, I find their actions unconscionable. They have potentially damaged the credit score of an XXXX individual who faithfully pays her bills, and have caused her XXXX about the consequences. 
-- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX my mother mailed XXXX additional checks to other vendors ( XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX XXXX ), each of which cleared her XXXX account no later than XXXX XXXX. On XXXX XXXX and XXXX my mother mailed XXXX checks ( to XXXX XXXX XXXX, Town of XXXX, and XXXX XXXX XXXX ), each of which cleared on XXXX XXXX.
In XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  ) charged me for services connected to the care of my minor child. The charges were incurred due to inadequacies on the part of XXXX. Specifically, my child had XXXX, and the charges for the XXXX  are a " global rate '' to include a required XXXX follow up office visit. These rates are contracted rates between the service provider and the insurance carrier, but there are timeframes in which the service provider is to arrange the follow up visit. XXXX  intentionally pushed our follow up appointment outside of the scope of that timeframe, citing that due to the XXXX XXXX holiday, various doctors were going to be out of the office, and that they needed to push us to their next available appointment time. I explicitly discussed with them at the time the appointment was set, that I would accept the later appointment time, with the understanding that we would not be pursued for any financial difference beyond our obligations connected to the XXXXXXXX XXXX global rate. The appointment occurred, we carried on as normal, and for nearly two years since it has been a battle over a lousy co-pay for that follow-up office visit. They were paid for the visit by the insurance outside the global rate, however they are still trying to collect the copay from me despite that I explicitly addressed this issue before it even occurred. Without substantiating my dispute claims, they then turned the account over to collection agency " Rev MD Partners '' who has contacted me on repeat occasions " in attempt to collect the debt ''. I formally disputed the debt with them in writing on XX/XX/XXXX and have not been provided any further substantiation of the debt, yet they have reached out to me by mail and by phone with continued efforts to collect. Each time I have addressed the situation, and each time I am met with assurances that they do show the balance in their system to be disputed and that no further collection action will be taken - but that ultimately results in a subsequent phone call, or letter, to which I proactively call them to discuss said letter. The debt has never been substantiated subject to the nature of my dispute. By REV MD 's own admission ( recorded phone call ), XXXX has not responded to their efforts to contact THEM related to my dispute. Under the FTC guidelines and Fair Debt Collection Practices Act, no further collections contacts or actions can occur until this happens. I am unfamiliar if there is a timeframe at which point a dispute must be validated for lack of response from the creditor - but I do know that it is inappropriate for me to have to keep investing hours and hours out of my own day ( during my working hours while they're open ), to tend to this ongoing unresolved issue.
I purchased airline tickets on XXXX airline for a flight on XX/XX/2016 with a XXXX credit card in the amount of {$490.00}. When attempting to take the trip, XXXX said that the bank declined the payment and it was necessary to purchase the tickets again. The airline tickets were purchased again for travel on XX/XX/2016 with a Chase credit card, but the tickets now cost {$610.00}. After the trip I followed up with XXXX and they confirmed that the purchase was valid and that XXXX did get paid. I opened a dispute with Chase for the amount of {$610.00}. Afterwards XXXX refunded {$490.00} to Chase - not {$610.00}. I followed up with Chase and explained that the more expensive amount needed to be refunded in full. Chase informed me that the dispute remained open and nothing was due on the card. Chase subsequently charged me a late fee of {$25.00} and has indicated that payment is past due on my credit card.
I mailed a payment into Lowe's/Synchrony Bank. The bank held my payment until it was a day late causing a {$25.00} fee.
In early XXXX, I was being garnished by a law firm called " forster & garbus ''. I changed jobs and did not know the garnishment wouldn't switch over automatically. They did not contact me and immediately started garnishing my mother 's income at over $ 600 monthly. I tried to contact them to arrange payments and they would not speak to me or work with me to arrange payments. They also placed a lien on my mother 's house for {$60000.00} in late XXXX and never notified her about it. She recently went to refinance her house and found out about it. Her and my stepfather were going to refinance their house in order to assist with their finances to prepare for retirement and now they can't. These is completely unfair to them and incomprehensible considering this law firm would not even speak to me to arrange payments.
I did not find a suitable line to check for my particular issue as follows. 
When one applies for a loan the Credit bureau is immediately notified while it take XXXX days for debtor payment to be reach the credit bureau. This undue delay places the debtor and his family at a disadvantage given the important role that credit score play in the market place. This unwarranted and iniquitous delay in reporting a change in the debtors ' credit status could mean life and death for those of us who operates on the margin. The cruel and inordinate delay could mean homelessness for those of us who are renting property, lives are interrupted, and children may not be able to attend school.
I have tried to Cash checks and was denied at XXXX, XXXX XXXX They said that there is an issue with Telecheck. I owe nothing to them and have money in my checking account. I have the receipt from XXXX  showing that is what declined.

XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX  TN XXXX Check declined,
Unable to pay my student loans and Navient recommended forbearance but adds so much interest over the years making my acrutual borrowed amount over the years over XXXX and I did not borrow more than XXXX. When I am able to pay they will not work with me on a payment plan that works for my household income. Just unfair!
On XXXX XXXX I called Capital One for my balance due and immediately made an XXXX from my checking account for the full amount of {$8900.00}. I now have gotten a statement charging me and additional {$14.00} in interest. I called Capital One and was told I would have to pay that interest because I did not ask to speak to a representative and ask for the " pay off amount ''. At no time do they ever advise you of this when you call in nor do they have the option of pay off balance only balance due. When I pointed this out to the representative she informed me that I would still have to pay the additional amount. Being that their call in did not offer the correct information or option to pay the bill in full I do n't feel I should have to pay the additional amount.
Citi has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
In XX/XX/XXXX, while XXXX XXXX XXXX full-time, I took out a Citi credit card to assist in making every day purchases as I had very low income. During the period in which I used the card for purchases, between XX/XX/XXXX and XX/XX/XXXX, I charged a total near {$6000.00}. Payments on the account have almost always been current with very limited past due payments. 
Since beginning making charges in XX/XX/XXXX, I have always made a monthly payment often higher than the minimum amount due.

However, to date, in XX/XX/XXXX, my balance remains close to {$4000.00} and the company is unwilling to settle the remaining balance unless I allow the card to go into collections, ruining my credit. 
At the time that I took out the card in XX/XX/XXXX, I was XXXX years old and did not understand that I would be paying on the card for the next 11 years. I have since gotten married, started a family and am still paying off this debt incurred during college. I feel strongly that Citi credit card company has taken advantage of me as a young person who did not know better. They used predatory lending practices to prey on me as a XXXX XXXX, instituting high interest rates on my card, and have refused to allow me to settle the balance remaining on my account. 
Just today I tried to settle the account and was informed by both a Customer Service Representative and the Customer Service Manager, XXXX, that I am not eligible to settle because I have been making current payments. If the account would go into collections, they would settle it then. However, because my account is current and I have been making payments toward Payment Protection Insurance, I am not allowed to settle this account. 
These practices take advantage of consumers in a young, volunerabble state and do not allow those consumers to settle or close out their account balances a decade later when they are trying to raise a family. This type of predatory practice results in my family 's inability to rise above the credit taken out years earlier and move on to something new. 
As such I would ask that the company be made to explain why they refuse to settle an account without first ruining the credit of the individual consumer involved.
On XXXX/17 i called my mortgage company, because i needed to know whom is my home Insurance coverage is with..On XXXX separate occassion i was given Policy # XXXX and the Insurance company is XXXX ... When i called with that policy #, the information they had on file, WAS INCCORRECT.The name ( s ) they had wasnt mine or my wife '' s and the Home Address was also incorrect.I would like to find out if My finances was paying for these other people coverage.
Dear Sir or Madam : Citizens Bank has not acted in good faith. The alleged " default '' or " delinquency '' was not occasioned through any fault of the undersigned Borrower. The interest rates he has paid for the many years since XXXX concerning the alleged loan terms, have been higher than the market rates throughout those years. Borrower believes the alleged loan terms are no longer valid. 
The Bank had denied a prior application to refinance for no apparent reason or any explanations several years before his latest appeals and applications beginning in XX/XX/XXXX. 
Bank has been advising Borrower in various accounts since XXXX, including his investment account. Borrower is XXXX on Social security, has XXXX children in college on borrowed monies and expenditures. His financial problems began XX/XX/XXXX after wife separated. Bank is now pushing for foreclosure, which would render Borrower and his family homeless. Bank has acted in bad faith at cross purposes in a dual capacity - both as investment advisor and debt collector! 
XX/XX/XXXX Borrower met with Bank consultant for financial advice. Upon suggestion of the consultant and with his direct assistance, Borrower applied for refinance and debt consolidation from the Bank. Soon thereafter the Bank erroneously assumed that the Borrower had defaulted, without any factual basis. The Bank denied debt consolidation at a reduced interest rate, unfairly refusing to accept any payment against principal and alleging a bad credit of the Borrower, without any foundation. Since XXXX XXXX Borrower 's Applications for term modification have been denied. The Bank having refused to accept any payment in satisfaction of alleged debt, in whole or in part, and further aggravating Borrower 's financial standing based entirely on false reports which have irreparably damaged his credit standing. 
Therefore, Borrower respectfully submits that there is no interest, penalties or costs or ANY debt due and payable. Borrower makes this statement based on the fact that the Bank has FORFEITED its claim - in the absence of a complete accounting of ALL payments tendered by the Borrower since XXXX, which far exceed Bank claims for an alleged loan balance. Borrower is not in Default. Default or delinquency, if any, has resulted entirely from the Bank 's fault and its bad faith in failing to timely and reasonably respond to Borrower 's record of payment and numerous requests made through telephone calls, emails, letters and formal applications, including numerous meetings he has had with Bank representatives, to no avail. Borrower believes he has timely paid all of his obligations to the Bank. The Bank 's allegation of default or delinquency is not substantiated. 
Further, Bank has discriminated against Borrower on the basis of his alien national origin becuase of his XXXX background. He is XXXX a US citizen. He legally entered the United States in XXXX XXXX. 
Borrower requests assistance to prevent foreclosure so that he may live at his residence in peace and with his family. 

Thank you, XXXX XXXX
I was going through my credit report and noticed five hard inquiries that do not pertain to me. The first hard inquiry is for PAYPALCREDIT the date of the inquiry states XX/XX/XXXX and the institution 's information is Paypalcredit XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The second hard inquiry that does not pertain to me is an inquiry that states XXXX/XXXX XXXX. The date for the inquiry states XX/XX/XXXX. I have never heard of this company in my life and I did not try to open anything under this. Institution information for this is XXXX/XXXX XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The third hard inquiry that does not pertain to me is XXXX/XXXX. The date for this hard inquiry is XX/XX/XXXX. I have never tried opening anything under this account. This is a fraud. The institution information is XXXX/XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The fourth inquiry that does not pertain to me is XXXX. The date for this inquiry is XX/XX/XXXX. Institution information is XXXX XXXX XXXX, XXXX XXXX. I have never tried opening anything under this company. The phone number is ( XXXX ) XXXX. 

The Fifth inquiry is XXXX. The inquiry date is XX/XX/XXXX. The institution information is XXXX XXXX, XXXX XXXX and the phone number is ( XXXX ) XXXX.
The name of the collection agency I want to file a complaint with is called JPL Recovery Solutions. Their phone number is XXXX XXXX XXXX. The name of the particular representative is XXXX XXXX. They keep calling my employer and actually speaking with my Supervisor and Hr department. They say they want to fax over a request to garnish my paycheck. However, then they ask if they could be transfer directly to me. So they could give me one final chance to pay my debt. However, I told them I cant take personal calls on my work phone number, as my employer does not permit it. They still call my work number after I repeatedly told them not to. I also ask them to provide a statement showing that their agency does have my debt, they deny it. Saying they already sent it to me.
Company name it shows on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX. They were added to my report and they didn't send me any notification. I tried disputing this with experian and they never removed them from my report. Experian allowed this company to remain on my report after the dispute and I wasn't properly notified by mail. I found out about this after it was added to my report. I attached the notification received and the copy of the dispute results without any notification still being sent to me. this isn't right and this company needs to be deleted. This violated my right to dispute.
On  XXXX  I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back to  XXXX . I called  XXXX , Transunion, and  XXXX  to advise that I had a fraud alert placed on my account back in  XXXX  and no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On  XXXX / XXXX / XXXX  I went to the police department to file a police report. The  officer  called each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given.
My son moved to XXXX several years and terminated a phone contract with XXXX - he was told there would be no early termination fee after he went up the chain of command at XXXX because he was leaving the country. We received no bills after that. In 2015 I had a credit check done and a delinquent bill came up to XXXX in the amount of {$100.00} ( evidently they did end up charging him/me an early termination fee ). I called XXXX, told them we were not even aware of bill and I immediately paid it to resolve issue. This week in the process of buying a car I saw this issue is still on MY credit report. I disputed it with XXXX and after checking with XXXX they kept it on report. I then called XXXX ( where I am a very loyal customer ) and they stated there is nothing they can do to remove it from my credit history - that I will have to wait the 7 years?! Do I have no recourse? How do I get this removed from my credit history - I had no awareness of bill, no communications - and neither did my son for that matter. Thank you for any assistance you can provide.
The problem is - that NOTHING happened ( i.e. ZERO communication from the new 'servicer ' - no Single Point of Contact info has been received, to date ) - yet a motion for strict foreclosure is set to be heard next Monday, XX/XX/XXXX XXXX, XXXX. 

Just prior to last State of CT mediation session XX/XX/XXXX/XXXX/XXXX, submitted last/final requested employment verification document via email to XXXX, its attorney + the XXXX of CT XXXX - for expected/anticipated modification approval shortly thereafter. 

Received confirmation letter from Nationstar XX/XX/XXXX - stating that it would review and follow-up in +/- 30 days. Never heard from them again re : my modification. 

As previously reported to the CFPB, had several very similar 'episodes ' with Nationstar over past several years - so this latest came as no surprise. 

What did come to me as a highly unpleasant surprise was a copy of the motion for strict foreclosure - especially under the aforementioned circumstances. 

Needless to say, this is outrageous and incredibly unfair. 

At the very least, the motion for strict foreclosure should be withdrawn until such time that the new 'servicer ' has reviewed and responded to my modification package - which was submitted in good faith over 3 months ago - and of which the new servicer SHOULD have been aware long ago - long prior to allowing the motion for strict foreclosure to proceed. 

Additionally, the new servicer should instruct its attorneys to NOT object to my motion for re-inclusion into State of CT mediation process, in order that we are able to resolve this matter amicably and avoid the foreclosure. As documented via my modification package : I have a ( very good-paying ) job on hold until I provide my prospective employer a copy of the modification. 

Again : I need the direct EMAIL contact information for my federally-mandated Single Point of Contact with the new servicer - ASAP. For documentation and record-keeping purposes, I wish for all communication to be in writing, via email. 

Thank you.
I requested a credit line increase on my Sears Mastercard and was declined. The reasons they gave were " unsatisfactory credit and/or derogatory public record references ''. I immediately pulled all XXXX credit bureaus to see what could possibly be reporting negatively. EVERYTHING is reporting paid as agreed or no lates wth the exception of XXXX X 30 days late XX/XX/2012. that was 4 1/2 years ago and should not be a reason to decline credit. There is not any public records at all. I feel they are discriminating against me because I am a single woman in her XXXX 's. If they have a more legitimate reason for declining an increase in my account that i have a perfect rating with them, then they need to let me know. Thank you
I filed bankruptcy in XX/XX/2018 and it was discharged XX/XX/2018. I explained this to this company but they still repeatedly calls me.
There data breach has put my information into XXXX XXXX databases, and serveral breaches which has limited my XXXX career because I have never been a member of XXXX XXXX or its websites. My Employment has been severly limited by there irresponsibility.How can I pass a competative credit check for a job with these alerts?
I requested all XXXX of my credit reports from XXXX and only was able to get XXXX. I was unable to see the equifax report because my time elapsed and when I logged back in to see it, it said that I had already recited my annual credit report and that I had to purchase it now.
my business went quiet, was behind XXXX month mortgage payment, spoke to my bank and they assured me of assistance, by the end of the second month i personaly went to my bank to make the late XXXX payments and thay refused to take the payments stating that it was now XXXX months past due and i must apply for a modification, i told them i did not want that but they still refused to take my payments, next thing i know im getting letters from the banks attorney saying i need to pay x amount of money to the bank and the attorney fee 's making it impossible for me to get caught up ... ..2 months later i get a letter saying that a company by the name of vericrest will be servicing my mortgage then another company by the name of caliber will be servicing my mortgage..i have done nothing but tell these people while still giving them the information they request that i dont want a modification i want to get back to the original payment plan ... .2 yrs down the road thay are still asking me for repeat information ... i am clearly being given the run around ... i have sent the modification package in so many times now yet they still say information has gone stale or was not included in the package, i have been working with XXXX here in XXXX XXXX NY and with a court attorney referee from day 1 and still no decision and its been 2 yrs already ... now they say i owe over $ XXXX