WillisBack/dataset-financial-user-claim huggingface dataset:
I had set up an automatic payment with Bank Of America XXXX credit card to be paid every month {$500.00} from my personal account. In XXXX 2016 I had a credit of {$480.00} and the ACH payment keep being send to the credit card every month by XXXX 2016 I had made {$2400.00} payments with out using the card. This means a credit I had a credit of {$2400.00} I called several time letting them know that i had stop the automatic payments authorization online and I was being deducted this from my bank any ways they said I had to call my personal bank directly. Finally in XXXX after many calls I had to ask my personal bank XXXX to do stop payments of this. I called XXXX and ask for the rebound of my payments made. 
Total credit I should had was {$3900.00}. In XXXX XXXX at XXXX pm I called and spoke to a costumer service rep called XXXX, she help me out and told me a credit was going to be send to my account in XXXX. I only received {$1500.00}. In XXXX XXXX at XXXX am I spoke to a costumer service rep named XXXX and she told me a check was send to my house which I never received XX/XX/2016 for {$2400.00} she confirmed check was not issue and it must have been lost in the mail. She help me to process the payment again to be return to me as the last one was return directly into my XXXX account, she said it will take 10 business days. I called again today XXXX XXXX, 2016 and I spend an hour over the phone and none one was able to tell me what happen with this reimbursement and no word on why it has not been process.
What happened to my XXXX XXXX, 2016 's alert email? In XXXX XXXX, 2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, back in XXXX XXXX, 2016.
Bought about 3100 in furniture from XXXX XXXX, in XX/XX/XXXX set a pre-paid amount there at the store. After 1 year the interest on the credit card increased so much that I have been paying 150 since XX/XX/XXXX yet I still owe XXXX. They have said they will not reduce or work with me at all ( I am fine to pay some of the interest they have alloted, but not the ridiculous sum of almost what I would have paid originally and 2 years and 4 months of payments of XXXX ). XXXX XXXX is the bank, I called them on XX/XX/XXXX. I spoke to XXXX who said he was a manager, and they said they will not do anything for me. Thank you for taking your time to look into this, and I am hopeful something can be done, I am willing to explore options to help resolve this.
Between XXXX-XXXX 2017, my credit report was improperly handled by Equifax and was one of the 100+ million people affected by this breach. The actions by several of their managers ( selling their company stock without proper disclosure before the news went public ) shows they have no urgency to make this right. They are seeking to limit their liability and taking no steps to help customers.
MY Private student loans were discharged in a Chapter XXXX bankruptcy. Navient after 5 years has started to try and collect on these debts and have attached my credit as result. I have the legal document showing the discharge of the debt. They are at this point threatening legal action against me.
I have an account with CitiBank with a balance owed. I have closed the credit card and I am concerned about fraud. I am needing online access to the account to verify all purchases on this account. However, CitiBank will not give me access online nor verify all payments for the last 365 days.
I received a loan from XXXX XXXX XXXX in XX/XX/XXXX. It was immediately bought by XXXX XXXX and is serviced with RoundPoint Mortgage. They have made multiple errors in payments with my escrow account. First they paid taxes on a piece of property that is in my name, but is not covered by the mortgage I have with them. They corrected the property information on the account after months of phone calls and emails. They have recently realized that I have been over charged for my escrow in my loan. They refunded {$1600.00} at the end of XXXX. 
Instead of reducing my escrow they have decided to increase my escrow based on a random calculation. This allows them to hold {$1700.00} a year over the base cushion required in my loan. My loan requires an escrow cushion of approximately $ XXXX/year. In XXXX I had {$1600.00} over that cushion. 

Now in XXXX I will have {$1700.00} over the required cushion in my loan. No amount of phone calls and paperwork filed with RoundPoint mortgage has resolved this issue. 
In addition, I never signed a loan with RoundPoint mortgage. Why am I being forced to maintain an escrow account based on a 24 month requirement that I never agreed to? 

I have never missed a payment. I pay all my bills, credit cards included, in full every month. I have excellent credit. The escrow account should not be a requirement with RoundPoint as I never signed an agreement with them. I applied to remove the escrow due to their errors and my excellent credit, and was denied due to a 24 month requirement. 
This company has made correcting their mistakes regarding my escrow a full time job. 
HELP
I have tried 4 times to request the information be removed from the 3 major bureau 's about accounts that are being reported by the agencies and they keep telling me that the information i being reported correctly on my reports. I have submitted the Fair Credit Report Act about how they must remove the information because they do n't have the required information to place it on my credit file. Each bureau XXXX, XXXX, Experian all have said that they are verifying this information electronically. Section 609 of the FCRA none of these results meet the requirements of this information to remain on my credit file.The dates below are the four times that I have requested the removal of this information. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
I paid the debt in full to Attorney XXXX. 
However, American Adjustment Bureau emailed me that it would be removed from the credit bureaus. 
Now I am advised that they refuse to remove it.
The supposed collection agency, Dynamic Recovery Solutions, started calling me around this summer and their calls have gotten increasing in number in the last few weeks. I have a very common phone number that is often misdialed, and I know I do not have any outstanding debts. They also call me from a lot of different numbers with my same area code, but verball leave a different number for me call back in their voicemails. I also do not live where the area code my phone number is from, which leads me to believe they do n't actually know my current address. I have only had one credit card in my life, my only medical experiences were while I was under my parents ' insurance, and I have never missed a student loan payment ( my only debt ). This company has a large number of complaints online from both consumers and creditors for their shady and often threatening practices, including not paying creditors and harassing consumers about false debts.
This complaint is in reference to complaint XXXX also AMEX reference Ref : XXXX in the final response, AMEX states that I have received the total XXXX  MR points. which was incorrect. 

AMEX issued me XXXX bonus points, then another XXXX. But the XXXX points was taken back. I have attached the pdf for reference. 

In addition, when I contacted AMEX, they explicitly told me that I could retroactively submit the mailer to have my original 100k offer applied ( another lie ). 

This is my final attempt with CFPB and if this is not resolved in my favor, i will be continue escalating this via other channels including but not limited to my local small claims court.Note, It literally takes 5 minute to look over my MR points history to know that the XXXX points was taken back.
On XXXX XXXX I called American Express to downgrade my credit card to a no annual fee Delta Credit Card. American Express agreed to issue the no fee card to replace my current card and to refund me the annual membership fee just charged to my account. My account balance was {$95.00}, which was the annual fee amount that was to be removed. Several weeks later I checked and the fee rebate had not been processed, so I called on XXXX XXXX. I was asured there was no problem, the refund would be made automatically, and they agreed that I did not have to pay my balance ( which was the refund amount ). On XXXX XXXX, I was charged a {$27.00} late fee. When I called and requested that the late fee be removed from my account and that the bank send me a letter stating the late fee charge was a bank error. They agreed to remove the late fee, but would not provide documentation that the fee was in error, since the balance = the refund due that Amex had yet to process. Two days later I again got an e-mail notifying me that I had not paid my balance. I called again and got the same run around. I was told it could take Amex 45 days to process my refund, and if I received additional late charges I could call and go through the story over and over again with the new customer service person.
On my XXXX XXXX keeps coming up 2 separate in collections for {$30.00} dollars from XXXX XXXX XXXX. This has been paid. And is effecting my credit score. Also is there anyway of removing previous credit cards from my history report that have been closed for the over 7 years. Im trying to increase my credit score. Thank you
So the vehicle went up for repossession. i asked for a payment plan and had hardship with loss of employment with XXXX XXXX XXXX i was hired on with XXXX now long right after but by this time i was never notified of the repo. then the car was reposessed, so i said okay fine. well then never got a letter until after it sold from auction the vehicle loan balance on my credit report is showing inaccurate. GM financial is not reporting the correct balance owed. they are reporting {$17000.00} and it should be around {$7000.00} since they claimed they sold the XXXX XXXX at auction. they have violated 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies
I Had wellsfargo accounts from the time I was XXXX years old to about I was XXXX years old. I believe I closed all of my WF accounts aobut 3-4 years ago. I kept noticing fee 's that were being charged to my checking and bill pay services that should have been free. I called and got some back, then month later I relized i was still being charged fee 's. They forced me to close my old accounts and reopen new ones to " Waive fees '', then I was still charged fee 's. I also had a credit card and savings with them, however i never looked much into those accounts but I do believe I did not catch all of the fee 's.
Receivables Management Services sent me a letter that I owed money and explaining that they were a debt collector. The letter did not provide details of the debt claimed. 
I called around XX/XX/XXXX to inquire about it. I explained that I was never contacted by the creditor. I went online to my account with the creditor and confirmed no debt was shown. 
I called the creditor and was confirmed there was no debt. 
RMS called me on XX/XX/XXXX about the debt and I explained that XXXX confirmed on XX/XX/XXXX that there was no debt. 
I received no further communication after this. 
Today, XX/XX/XXXX I talked to XXXX at RMS and her supervisor XXXX XXXX and they confirmed that the case has been closed and there is no debt to collect. However, they denied a written confirmation of this. 
If the original communication of a debt came from RMS I expect a letter from same sender explaining the status of the case, especially when the creditor never tried to claim a debt in the first place. 
After 15 minutes on the phone they still denied giving me a written confirmation for my records stating what they were saying " case closed, we no longer have a debt to collect ''.
I am a victim of predatory practices from LVNV LLC. The company sued me where I did not live and used lawyers to harass me. These lawyers have access to my personal credit report, my number, my residence and my employment. The company sued me and obtained a judgment against me. They obtained a wage garnishment and are garnishing {$1800.00}. They used XXXX lawyers and XXXX to represent them. I never lived in XXXX located in XXXX, CA, when they served for civil court. This was done about 4 years ago. In addition, recently I went to court on XX/XX/2017 to request claim of exemption. In court I informed civil judge XXXX about the wrongful of serving and that a wage garnishment will great a financial hardship. I have concerns about the way my rights were violated from XXXX, attorneys XXXX, XXXX and LVNV Funding LLC.The judge denied my request of exemption. These are the reasons and concerns about this matter ; my credit report currently does not show a collection reporting from that debt, 5 years ago my credit report did not show a collection reporting from that company, currently my fico score shows good standing, LVNC Funding LLC is a collection agency and a third party, different attorneys are representing this company, the attorneys have violated my rights, the judge violated my rights and I am a victim of discrimination. In court I did n't have a lawyer to represent me, and the judge allowed XXXX to humiliate me. XXXX stated, it was my fault and I asked for this, family comes second, my other financial obligations comes second and requested above the 25 % wage garnishment. In my opinion this is unlawful to harass me in such a way. Furthermore, I pleaded less than $ 80 monthly levied garnishment and that I could n't afford a wage garnishment above 25 %. Last, I felt violated at the end of the court hearing. A judge or lawyer should not be above the law.
On XX/XX/2018 I mistakenly made a purchase at XXXX using PayPal 's payment system. Paypal used my debit card on file. Once the mistake was discovered, XXXX immediately refunded my debit card through Paypal within two hours of the purchase cancellation. The refund is sitting in Paypal 's account but they refuse to send the money back to my debit card until 30 days has expired. This arbitrary timeframe of 30 days before they will apply the funds back to my bank account is excessive. It feels as though they are holding the money/refund to gather interest and a profit before putting it back in my account. They are causing an overdraft situation because of their excessive timeframe to return funds back to the debit card and bank account associated with the debit card.
Wife is XXXX XXXX in XXXX they have been paid min on accounts told not to call and letters sent. Still call our home XXXX her cellXXXX now my business phone XXXX these XXXX are rude abusive XXXX.
I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my XXXX report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.
I would like to file a formal complaint against Seterus for failure to respond to my request by my attorney pursuant to RESPA. My main complaint is that they have taken funds that I had in a suspended account and used it with my permission to paid off late payments that was being charged to my account due to their account error. I have spoke with them and they had promise for over a year to correct their mistakes. They had 60 days to respond by to my lawyer 's letter dated XXXX/XXXX/2015, in which case up until now They have never responded. As well I filed XXXX on this account with XXXX and they failed to reaffirm the account and then sold this account to Seturus who has been very borderline criminal, if not all the way criminal with their practices. Please see my attached letters, thank you.
I HAVE SENT IN NUMEROUS CERTIFIED MAIL TO ALL XXXX BUREAUS IN REGARDS TO IDENTITY THEFT I SENT THEM MY IDENTITY THEFT AFFADAVIT # XXXX NOTARIZED AND STAMPED I SENT IN CONSUMER FINANCIAL PROTECTION BUREAU # XXXX
Refinanced mortgage with eRates Mortgage ( no prior refinance experience ). The refinance was supposed to be a no-cost loan. Was led to believe by the broker that the lender credit does not have to be on the HUD and will be taken care of separately. As a result a lender credit of XXXX {$2000.00} was not applied to the transaction.
Please see the latest complaint sent to the company # XXXX. We have not received any indications when our interest rate has changed or payments due and the amounts of these payments. A representative informed me indications of change in interest rates can not be communicated because the change happens to quickly to allow notifications to be sent to us. However, this results in missed, past due payments and collection activity. This has been the case since we have completed our five-year bankruptcy terms. Although the BK completion charged us to be on time for every payment. This is contradictory information and seem to be set up in an effort to attempt to foreclose on our home again ( which happened while we were in bk )
I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX Dated XX/XX/2017 that I did not authorize
I submitted a package to Navy Federal Credit Union who has the mortgage on my property back in XXXX 2017. The property is owned by myself and my mother who is XXXX. Each time we contact them to inquire able the status we get a email stating they are missing a document. We respond the same day with the document and then a week later they say they did not receive that document and another document. I am victim of identity thief so I am vary leery of keep submitting my social number. These are the documents the keep misplacing. My payments at this point is 3 months behind and I began this process when they were one month.
I had eight years of identity theft. I disputed it. All three credit bureaus took off the fraud after the investigation. My score was in high XXXX. It was not my fault. I had police reports, every kind of proof. They refuse to put my score back where it was. All my credit is paid on time. Perfect payments. I need your help to get this fixed.
this company ( Bonneville Collections ) has failed on multiple levels on the validation of this debt. I have the letters stating the amounts owed are between $ XXXX-XXXX in interest alone every time i 've gotten correspondence from them. Original amount is {$240.00} per original creditor yet they claim its $ XXXX-XXXX??? thats THEIR fees and charges. What gives them any lawful right to do this? .. violation of fdcpa 808 ( 1 ) since i NEVER HAD A contract with the original creditor, so how can they legally do this?. i also have credit reports from XXXX and XXXX for the same dispute cycle stating different amounts owed. How is this possible if their supposedly '' verified!? '' remember all account info is supplied by Data Furnishers per FCRA 623 NOT the Bureaus responsibility. Also the account they have been claiming was from the original creditor is wrong! as i have the original creditor own statement and account number is XXXX digits off.How is it then Validated?
I attempted to file a dispute with XXXX and XXXX about an item on my credit file showing incorrect dates that affects the time limits as to how long the debt remains on my credit report. The collections account in question shows the wrong first date of delinquency which in turns allows for the item to remain on my credit report for a total of 9-years. I have records I received from the collection agency that shows the last day of payment on the account being XX/XX/XXXX and no subsequent payments made on the account thereafter. After the account was past due for 30-days no other payments were made on the account which would have put the date of first delinquency at XX/XX/XXXX. XXXX  and XXXX  has listed the date of first delinquency as XX/XX/XXXX, which is incorrect. This date is exactly 2-years after the correct date of first delinquency. Attempts to provide evidence for this has not worked as XXXX and XXXX does not allow me to upload supporting documentation on their website. I attempted to dispute this information after receiving my free credit report from the website XXXX  and XXXX and XXXX has refused to let me dispute the collections account and instead made me pay for their service which costs {$19.00}. After purchasing their credit monitoring service to file a dispute, I am still not allowed to file a dispute with supporting documentation. The incorrect information concerning the first date of delinquency remains on my credit report with XXXX  and XXXX. The collections account in question should be removed from my credit file on XX/XX/XXXX not XX/XX/XXXX. 

Waypoint Resource Group intentionally supplied the credit reporting agency with false information in order to extend the date of the debt on my credit file. This activity is fraudulent and in violation of the Fair Credit Reporting Act.
XXXX 2017 Recently my mortgage was transferred from XXXX XXXX to Specialized Loan Servicing ( SLS ). At the same time I have been refinancing my house with another lender. The following things have happened over the last month as my new lender has tried to payoff SLS : -No information available about loan details when I initially called to talk about details, escrow, etc. Data from XXXX XXXX loan had not been updated in SLS system yet. 
-Personal account info is not available online due to their online system having " being down ''. I continue to not be able to get details on my loan unless I call. 
-SLS claims to have paid my property taxes from my escrow, but payment has not been received by my county. 
-Due to non-payment of property tax, my county has  assessed me a penalty. I should n't be responsible for this. 
-My new lender sent in the payoff amount SLS gave them, but SLS claims the amount was less than the payoff. 
-SLS eventually dispersed a property tax payment, but for some reason made a DOUBLE payment out of my loan balance, which is the reason they are claiming my lender is short on the payoff amount. The amount short on payoff is exactly the same amount of my property taxes. My property tax payment is XXXX. But they paid XXXX. 

It seems that there is no accountability by SLS to me as a consumer. I had to argue with customer service telling them that they keep changing the payoff amount from the original quote. The lady told me that I had to pay the largest amount. I kept asking her why the payoff keeps getting higher. She could n't tell me until she looked closer at my account and discovered that SLS had accidentally made a DOUBLE property tax payment. 

I am absolutely upset with this company. My hands are tied because I ca n't access my online account to look at any details. They are keeping me in the dark! They keep increasing my payoff amount to my new lender, because they accidentally made a double payment. This is preventing my lender from paying off the account. I am being held XXXX!!