WillisBack/dataset-financial-user-claim huggingface dataset:
This company calls me 2 to 3 times a day everyday and it is in the hours that I am at work so I can not answer my phone and this has been going on for about a month-and-a-half. I did end up calling this phone number back and found out that it was Diversified Consultants Inc. The lady that I spoke with and right now I can't remember her name, but she stated that she was a debt collection agency for XXXX. We ensued in a conversation and she said that I had to take care of this debt. we started to work on a way to get this debt settled however she said that they could not except the payment arrangements that I said I could do. I told her that was the only Arrangement that I could make and she said that I was being non-compliant and that she would notate the account. And then she hung up. I looked up their company name and found a bunch of complaints against them saying that they were scam artists, so I brought up my credit report to see if they were truly the ones named on my credit report for that debt and found out it was under another name. So I am going to contact the actual company on my credit report to get this debt taken care of, but people should know about this other company.
I would like to reopen case # XXXX which was a charge of {$1200.00} taken by a clinic to do a XXXX on me, XXXX failed and they called the police to force me not to come back to the clinic, so they refuse correction and they even refused to followup on the XXXX. I contacted Wells Fargo and filled complaint against them and at the end Wells Fargo as usual did not do anything and offering {$300.00} instead of investigating the theft from the clinic. I paid this clinic {$1200.00} and the XXXX failed and they called the police to force me not to come to them again, so they refused to correct or even follow up on the XXXX and Wells Fargo did nothing. The lady from Wells Fargo called me on the phone and refused to listen and was in huge hurry to hang up even though my husband tried to explain to her the documents we sent and wants to check if she received them but she completely refuse to listen to him even though I told her I am giving him the permission to talk to her but because she wants to hangup she refused to talk and this illegal because both me and my husband are on the same credit card account. Wells Fargo does not follow the credit customer protection rules which entitle the customer to get his money if the service provider did not do the service as in my case, I got XXXX certified surgeons letters stating the XXXX must be repeated and I have a police report that the clinic pressed a charge on me not to come to the clinic so they refused the followup and the XXXX correction and they sent Wells Fargo a letter saying that they did the XXXX and they scratched with black marker what was the service and guess what Wells Fargo to continue his illegal action did not ask for explanation on why they black marker the procedure and why the called the police instead XXXX offered {$300.00} so I can shut up, but as I said which is expected from this bank she was in sever hurry to hang up, also she promised a XXXX will call me and no one did, I have the information and proof about this lady from XXXX that broke all rules of credit card and called me and not listen to a single word from me or my husband.
ACCOUNT RESOLUTION SERVICE # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ACCOUNT RESOLUTION SERVICE. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ACCOUNT RESOLUTION SERVICE purport I owe. I request that ACCOUNT RESOLUTION SERVICE. 
Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ACCOUNT RESOLUTION SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section 1317.031
I had a discharged bankruptcy in XXXX. It is nearing XXXX years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between XXXX years. I have submitted a request for removal before on at least XXXX credit bureaus. The other one ( I think XXXX ) requires a XXXX digit code from the item listed on the report. That XXXX digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past XXXX years and so close to XXXX years.
I have a HAMP Loan XXXX through OCWEN Mortgage. Several years ago you handled another problem I had with them quite satisfactorily. The original loan was through XXXX XXXX XXXX. After some months OCWEN took transfer rights. At the time of transfer OCWEN applied {$430.00} in fees on my monthly statement. I inquired as to why I was getting this added fees. They told me it was transfer fees. This is a HAMP Loan there are no other fees to be applied during the duration of the loan. I refused to pay these fees and to this day they remain on every statement each month. The fees applied to the last statement was {$360.00}, why they dropped I do n't know. I do not owe these fees, I have never been late on this loan and am in good standing on the loan. I 'm getting extremely agitated seeing them on my statement every month listed now as past due fees/other charges. Any help you might give me would be greatly appreciated. As I said you took care of the other problem I had with them right away. This problem did not start appearing until I had the loan with them for several months. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX E-Mail XXXXXXXXXXXX Phone XXXX
I opened a XXXX account back in 2015 and I returned the phone in the 14 day return period that was allowed. I was told the account was closed and all I had to do was pay a XXXX dollar restocking fee. It appears that the XXXX store I was dealing with never processed the closing of the account properly. I do not feel I owe the debt.
I filed for bankruptcy in XX/XX/XXXX, I had made a payment to Credit Acceptance and once I had filed they started to refuse my payments. I had understood they were to obe paid outside of the bankruptcy and made every attempt to pay them. I had even told my attorney of what they wee doing. They told me to keep trying to make the payment and they would handle it. I was them made to pay them current from the time I filed and yet they still refused my payment I continued to let my attorney know. I then made a large payment of {$1800.00}, that is when they took that payment, then again they refused payment. Then XX/XX/XXXX I get a notice from the credit bureau stating the account had been closed. I then made another large payment of {$800.00}. and yes they took it and asked why my account was reporting closed. I was told that they did not know why it was closed but I can still make payment. Every month since XX/XX/XXXX I have tried to make payments and they either hang up on me or not take the money out of the account in which I choose to have the money taking out of each month. Then today they came and repossessed the car and I showed the man picking up the car and he told me to make a report.
On XX/XX/2018 at XXXX i called Experian to have a personal statement removed from my credit report, i was told that i could not get this removed by calling in, so i asked to speak with a supervisor the employee state " he will tell you the samething " I was left on hold for approximately 20 mins no supervisor ever came on and the employee never returned.

I called back for the second time and was told by a female employee that i don't have a personal statement it's callex a fraud alert, i told her it says personal statement on my report.

She also told me it can't be removed over the phone even though this was an option.

I told her i wanted to speak to a supervisor and she rudely tried to cut me off by saying " he is going to tell you the same thing sir " I told her i would like to speak with him, i was left on hold once again for 20+ mins, no one ever returned to the call.

My attempted to get this resolved started at XXXX this morning of XX/XX/2018.
The payment history is not correct on this credit chard. I have called the cc company, I have emailed them, I have sent them certified mail letters, but the information is still incorrect.
Account # XXXX. I recently consolidated my school loans with the Dept of Education ( from Navient ) .There were 2 payments released to Navient. The payments should have been made to the US Dept of Education. Unknowingly, I still submitted those payments to Navient. One of those payments ( {$8.00} ) was processed and transferred accordingly after I faxed over the evidence. It has been weeks since Ive heard anything about the 2nd payment. The payment in question was made on XXXX XXXX, 2016 from an ePayment ( {$170.00} ) with XXXX XXXX. That payment from me seems to be stuck in cyberspace and I am not receiving feedback about this transfer. I faxed over evidence showing proof with still no feedback ...
I had made mortgage payments to Ocwen Loan Servicing for the past 3 years via their automated phone pay and in return I would receive a confirmation number. However, beginning XX/XX/XXXX Ocwen did not withdraw the money from my bank account. Believing that this was a mistake and they would get it corrected I made my XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX payment the same way which also was never withdrawn. In the meantime, I had started proceedings to have my home refinanced through my local bank. I then requested a payoff balance and was given a figure to which my bank wired the monies to Ocwen. XXXX days later the wire was sent back stating that it was short and they filed for foreclosure of my home for non payment. Not once during the length of this loan did I ever receive a statement, notification of non payment nor a phone call in regards to this matter. Needless to say it became a very grueling task to get this companies cooperation. After almost 3 months we were able to get them to give us a payoff amount which included unfair foreclosure fees
I feel as though I have been harrassed, starting the week of XXXX XXXX I have been called alot ( I do understand that ) but yesterday XXXX I was called 7 times. I was called twice in 1 hour. I have spoken to the creditor and advised I will make my payment XXXXMy payment was initially due XXXX. Is this considered harassment?
Dutchess Adjustment Bureau sent me a letter on XXXX XXXX and indicdates that my account with XXXX is past due. I have Writtent to XXXX and ancelled my membership several times and emailed them at least XXXX to cancel and now these guys sent me a letter of collection of debt, however the letter says if I do n't believe I do n't owe money I have 30 days to communicate with them. And I did. But no one answers their Phones or calls you back. I called 4X and left several messages with my information and noted my account but no one ever contacts you. They are dragging this so it pasts 30 Days and so they claim would be valid. But there is no other website or email address to contact, only a number that no one answers.
I filed a complaint against this company on XXXX/XXXX/2016 regarding a forbearance request. I received a letter stating I would hear from them again in 60 days. I continued to make partial payments, all that I could afford, on my account and was told by customer service this would be enough to keep them from reporting me as delinquent on my credit. I called them today and they denied the existence of my request, and had already reported my credit as delinquent.
Ocwen receives my payment on  XXXX   XXXX ,   XXXX  . The  XXXX   XXXX  NUMBER is :  XXXX .     Even after ocwen got it on  XXXX   XXXX  they post it on  XXXX   XXXX  date. This effects my credit.     It should be posted the day they get the payment and not when they feel like.
I am adding up all my loans from both of my schools and I am requesting original loan documents and statements of balance since date of disbursement and they are not helping. Things are just not adding up. I don't if it is because I am better educate but I can not wrap my head around the fact I barrowed $ XXXX and had to repay $ XXXX at time of repayment.
I disputed a Bankruptcy Item on my credit report with TransUnion twice. However, they continue to report this item as belonging to me. And the tell me to contact the Bankruptcy Court about the item. Yet, when I call the XXXX Bankruptcy Court XXXX tell me that they are not reporting this information to TransUnion. Also, TransUnion has not provided me with any evidence that the XXXX Bankruptcy Court for XXXX is furnishing them with this information. TransUnion also told me that they hire private venders to gather this information from the Court. Therefore, TransUnion is furnishing this information as hearsay because the Court is not furnishing them with a Bankruptcy item.
Chase is acting with gross negligence and incompetence regarding a financial matter. At issue is an authorization form that was submitted on XX/XX/XXXXwhich clearly states that authorized 3rd parties are able to discuss the loan and have documents delivered to them regarding the loan. The last sentence requests a pay off however the authorization form itself is not limited to just pay off information. Somehow through gross incompetence on behalf of Chase their legal department only read the last line and actually put in the system to only discuss payoff which is grossly inaccurate.

On XX/XX/XXXX 3rd party spoke to a very rude individual named XXXX XXXX who represented himself as being an escalation manager. When it was requested he pull the authorization form to read it to see it was not limited to just a pay off, he refused to do so. He then attempted to lie on the phone conversation as to the nature of 3rd party repeatedly. Please ensure XXXX XXXX is removed from my file as I don't want people who refuse to open docs and lie on the phone to be touching my file. This is unacceptable. We need to get the lock box code to get access to the property that Chase has put on through property preservation.
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) trans world system inc 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX )
Citimortgage processes partial payments in a manner that is harmful to consumers, who never have a say in who their mortgage servicer is. In my case, they bought my mortgage from my original servicer, so I am stuck with their harmful practices. 

Citimortgage does not apply partial payments to an outstanding monthly payment. Instead, they apply a partial payment as an additional principal payment. It is common for US workers to get paid twice a month. Therefore, it is logical that someone like myself to pay half of his or her mortgage payment from each paycheck. Because Citimortgage applies each of my 1/2 mortgage payments as an additional principal even when the monthly balance is still due, I have to manually call in every month to have them fix the account. If I don't make the call, they send a derogatory note to credit reporting companies or a report other than " on time '' such as " we worked this out '', which appears to impact credit scores. 

Since Citimortgage is a financial institution, they should know how to apply payments toward debts. All financial institutions should be required to apply payments to outstanding monthly balances first. Only once the monthly payment is satisfied should any additional amounts be applied as extra. For example, consider the scenario where I borrow {$100.00} from you, and we have an agreement that I'll pay that back over 2 months as {$50.00} each month. In other words, I owe you {$50.00} in 30 days, and another {$50.00} 30 days after that. If 15 days from now I give you {$30.00}, you would know that I still owe you another {$20.00} to fulfill my $ XXXX monthly payment. You would also consider my outstanding balance to be {$70.00} now. If I give you the remaining {$20.00} 15 days after that, you would acknowledge that I met my $ XXXX monthly obligation. In fact, you would probably be thrilled to get the first {$30.00} well in advance of when the first payment is due! 

This simple logic escapes Citimortgage. Their practice of applying partial payments as an additional payment even when there is an outstanding monthly payment due is unnecessarily harmful to customers ' credit worthiness and potentially to the ownership of their home. 

When I pointed this out to Citimortgage, I was told simply that they do not have a semi-monthly payment plan. However, a payment plan isn't needed. Basic logic and common sense is all that is required.
I made phone calls in XXXX and XXXX and sent a letter in XXXX XXXX because I could not get an answer to my Kohl 's charge card closure. 
XXXX XXXX XXXX, XXXX Capital One Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Kohls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX To Whom it May Concern : My name is XXXX and I am writing about the closure of my Kohls account. I have been trying to get an answer about the closure since XXXX XXXX. I have called Kohls and Capital One and I keep getting sent back and forth between both companies. I have talked to managers at both companies and no one can give me information about the closure. 
My Kohls account number is : The ironic thing about this issue, is that I received a pre-qualified credit card offer in the mail this week. I have to laugh about this because you ( Capital One ) closed my account. How can I get pre-qualified by the same company that closed my account? 
I would like to find out the exact reason for the closure. Please have someone contact me regarding this issue, so that I dont keep getting the run around about information that should be provided to me. 
Enclosed is a picture of the pre-qualified letter I received. 

Thank you for your time,
I have a large amount of student loan debt, $ XXXX+. I have always been on an income driven repayment plan ( IDR ), specifically the income based repayment plan ( IBR ). I recently inquired of my loan servicer Mohela about lowering my interest rate or what other options I had available to me, and this was on or about XX/XX/2018. The representative told me about REPAYE, a revised pay as you earn plan that provides interest incentives. The deal was the following, changing plans would require any outstanding interest I had to capitalize, and the interest that my monthly payment did not cover ( because these plans assist people whose monthly payments do not cover the full interest that accrues per month ) would be paid by the government at 100 % for the first 3 consecutive years for my subsidized loans, and at 50 % for my unsubsidized loans. While I wasn't thrilled about capitalizing the outstanding interest, which was rather substantial at $ XXXX, the interest incentives were great, especially the deal on the subsidized loans. I applied for REPAYE a few days later. I was approved around XX/XX/2018. I made another call to Mohela shortly after that to inquire how much of the interest will be paid by the government. The representative provided me a detailed explanation, including the 100 % covered subsidized loan interest. Following my first payment made on REPAYE ( XX/XX/2018 ), I called Mohela on XX/XX/2018 to check when I would see the government payment/credit for the interest paid. I was unable to get any answers, so I sent a secured message on my Mohela account to ask the same question. It was only then that I was told that the 3 year 100 % government paid interest incentive on subsidized loans is a ONE TIME deal covered under any IDR plan. And because I was on IBR for more than 3 years, I already used up that 3 year incentive. What?? No one explained this. More importantly, the REPAYE application specifically says the 3 year incentive of 100 % government paid interest applies to the first 3 consecutive years on the plan. NO where on the application does it say that this incentive is a one time deal. I have been misled and as a result, I am now accruing interest at a higher amount due to my principal balance increasing ( as a result of capitalizing the unpaid interest ). Mohela refuses to do anything. On XX/XX/2018, I called Mohela regarding their mistake.I was told the Department of Education is the only place to help me. I have submitted a complaint to the Office of Inspector General. Mohela acknowledges their representative gave me incorrect information on XX/XX/2018. Mohela misunderstood my concern and stated that I was told and acknowledged that my unpaid interest would capitalize. I never misunderstood this. I always understood that the interest would capitalize once I changed payment plans. I was told a lie when their representative said I would get the 3 year interest incentive. Mohela 's solution? To give their employees better training. This is unacceptable. I changed payment plans to help with overwhelming interest amounts. Now I'm paying more in interest because of their mistake.
XXXX /2017 : filed a complaint with CFPB  XXXX /2017 : ProCollect is contacting me directly at my personal number. I provided proof that I do not owe the debt  XXXX /2017 directly to ProCollect. ProCollect should  be contacting me through my attorney but are instead harassing me at my personal number and claiming I gave fake information for my Attorney.
On XXXX XXXX, 2015, I informed Ally Bank of XXXX transactions that I did not authorize nor did I engage in. The bank sent me a letter dated, XXXX XXXX, 2015 acknowledging the disputed transactions totaling {$2800.00}. As of XXXX XXXX, 2015, provisional credit for the XXXX transactions ( totaling {$2800.00} ) have not been posted to my account. ( Documentation is attached )
I signed for my niece to lease a vehicle, and she was making the payments timely. She filed a legal restraining order against her child 's father and had to relocate within 30 days ( I can provide copies of all legal paperwork ). She fell behind on a payment and I was not aware. As soon as I heard about this ( through my credit reporting agency ) I contacted XXXX and brought the account current immediately. I received a significant credit hit as a result of this report. I contacted the credit bureaus and they advised VW Credit could remove the late from my account under the extenuating circumstances. The account was just over 30 days late ( 3-4 days ). We would sincerely appreciate any consideration you can give us.