WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage payment to LoanDepot was {$1200.00} all of XX/XX/XXXX. We set up an automatic payment of {$1300.00} per month to cover this. When we received our XX/XX/XXXX statement outlining the payment due for XX/XX/XXXX we were shocked to discover that our payment due had jumped to {$1800.00}. We have a fixed rate mortgage that includes escrow and were never advised of this kind of increase being possible. Our first call was made around XX/XX/XXXX. The loan officer that closed this loan would only tell us to call customer service to discuss. Customer service was not able to give us an answer until our sixth call. During one of these calls we were advised that the website we had been going to was not the right one and that they had just changed their site. Then we were told that our taxes had gone up so our escrow was insufficient for the end of year taxes that were due. Our county assessor advised us that our taxes had actually gone down. We decided to pay {$730.00} to avoid any issues and expected to see our regularly scheduled payment of {$1300.00} come out on XX/XX/XXXX. We were again shocked to see that both {$730.00} and {$1800.00} had been drafted by LoanDepot. On XX/XX/XXXX Several e-mails requesting that someone from LoanDepot call us back ( one to each individual listed when we sign in to our account on LoanDepot.com and one to customer service ) were responded to with requests that we call customer service or e-mail a different customer service e-mail address. One even said that they do n't draft payments!!! We did not want to call customer service because that was how we ended up in this situation in the first place. We did not receive a phone call from anyone so we called. It took 15 minutes to get a live person on the phone. On this call the representative made a similar claim about our taxes going up. When asked whether this kind of increase seemed normal she only said that it could happen. When asked for details about our previous conversation with customer service the agent claimed the calls were recorded but claimed she did n't see any notes about that conversation. We asked that they review that recording to find out if their representative had advised us that the automatic payment would be {$1800.00}. We did not agree to our automatic payment increasing beyond {$1300.00}. The customer service representative claimed that the payment would match the statement and that this was in the documentation about the automatic payment. We asked to talk with someone that was involved in analyzing our taxes and adjusting our escrow and were told that they do not take phone calls but we could e-mail yet another customer service department. This e-mail was met with an automated response on XX/XX/XXXX at XXXX that said our question had been received and we should expect a response within 24 hours. It has been well over 24 hours as of the writing of this complaint and we have not received any further communication from LoanDepot.
I borrowed a loan for a {$1000.00} and the they have an agreement form stating this. 

ANNUALPERCENTAGERATEFINANCECHARGEAMOUNTFINANCEDTOTALOFPAYMENTSThecostofyourcreditasayearlyrate.Thedollaramountthecreditwillcostyou.Theamountofcreditprovidedtoyouoronyourbehalf.Theamountyouwillhavepaidafteryouhavemadeallpaymentsasscheduled.XXXX   % {$2300.00} {$1000.00} $ XXXXYourPaymentSchedulewillbe : NumberofPaymentsAmountofPaymentsWhenPaymentsAreDue1 $ XXXXXX/XX/XXXX2 $ XXXXXX/XX/XXXX3 $ XXXXXX/XX/XXXX4 $ XXXXXX/XX/XXXX5 $ XXXXXX/XX/XXXX6 $ XXXXXX/XX/XXXX7 $ XXXXXX/XX/XXXX8 $ XXXXXX/XX/XXXX9 $ XXXXXX/XX/XXXX10 $ XXXXXX/XX/XXXX11 $ XXXXXX/XX/XXXX12 $ XXXXXX/XX/XXXXLateCharge : Ifapaymentis3daysormorelate, youwillbecharged $ XXXX.Prepayment : Ifyoupayoffearly, youwillnothavetopayapenalty.SeethisLoanAgreementforanyadditionalinformationaboutnonpayment, default, anyrequiredrepaymentinfullbeforethescheduled. 

This is what I put my self into. I am a consumer who needed help at the moment working pay check to pay check. I was struggling to pay it back and my salary was not enough to cover the bi weekly payments of {$280.00}. 

If I'm late they charge a fee on top of it and the loan was {$1000.00} and if I did continue to pay it bi weekly of just XXXX It will total to about {$3000.00}. 

I'm just curious if this is a legal form of business. 

Thank goodness my father help me out big time on this deep hole, I put myself into. If it was just me I would be paying this bank for the rest of my life. 

We decided to pay it full in one time and it totaled to XXXX. That's the final amount I had to pay due to more than 75 % interest rate. This is a big learning experience for me I had no idea what I was going into. Yes I'm ignorant about the agreemental but I needed the money. 

The point I'm trying to share to anyone here is that is this even legal for someone to charge you that high amount of interest and if you borrow a XXXX dollars you'll have to pay for the rest of your life the XXXX in total of roughly XXXX.
I had an American Express Prepaid REDcard. This card can be funded online using a checking account or a debit card, as well as in XXXX using Cash or debit cards. In XXXX XXXX, I was trying to add funds through American Express Prepaid REDcard website from my XXXX XXXX checking account ( ending in XXXX ), but I received an error message asking me to call American Express Prepaid XXXX Account Protection. I called the number and was informed that my Prepaid REDcard account was closed. I was first vaguely told it was because of violating Prepaid XXXX Member Agreement, and when I asked for further clarification I was told it was related to ACH activities and I should expect an email with further information. No other information was given to me over the phone and I was told that a supervisor or manager is not available. So I hung up, and while being surprised, waited for the promised email. Email showed up promptly and all the explanations it had was that my account was closed because activities were noticed that were in violation of sections XXXX and XXXX of Prepaid REDcard Member Agreement. I carefully read those sections of the agreement and could comprehend how activities on my account have been in violation of those terms. So I called Account Protection line again and this time after insisting that I need to talk to a supervisor, I was finally connected to a supervisor. He first told me the account was closed because they could n't verify my checking account information. I told him there is nothing with the checking account that can not be verified. It is a personal account solely in my name, it is already completely verified in American Express Prepaid XXXX website and I have been using this checking account without a problem, and they could have contacted me if they needed any type of further information. He told me about the emails they sent me asking further information, and I told they never sent me such an email about this issue. Looking on history of the account, the supervisor could n't find any track of an email that was sent to me regarding this issue, nor could he tell me what part of the information might have been needed for verification. Then he changed the story and told me that account activities were in violation of Prepaid REDcard Member Agreement. But when I asked him about which activities were in violation of Prepaid REDcard Member Agreement, after putting me on XXXX long holds he could n't come up with an answer and just told me some account activities were in violation of Prepaid XXXX Member Agreement, and advised me to go to Police if I need further information and initiate the process of asking for further information from there! 
So my American Express Prepaid XXXX account was closed for no clear reason, without any prior warning, without asking me for any information ( if they needed something ) and all I was doing with this account was completely within Prepaid REDcard Member Agreement. 
I have enclosed XXXX PDF files containing the Prepaid XXXX Member Agreement AND a copy of most recent bank statement for my checking account at XXXX Bank.
I mail a certified letter to Transunion 3 times asking to send me validation of proof of this public record chapter XXXX bankruptcy. Transunion has verified they received all three letters but transunion continues to send me a letter stating verified. I asked for the letter of verification be sent to me on courthouse letter head etc a sample letter is attached Transunion continues to put this matter in dispute why?? Transunion then turn around and send me a credit report stating verified that 's not what Im asking for Im asking for proof of validation and transunion been playing games Im done playing games this is a serious matter and needs to be taking seriously. Attached documents are Letter from XXXX XXXX, Certified letter receipt, transunion validation on credit report, etc Transunion has no proof and I want this deleted off my account this is my final step and being that I followed protocol my next step is to take them to smalls claims court Im done plating games. 

Regards XXXX XXXX XXXX
This is trying to collect a debt that I do not own since this is an error I have requested then to send me proof that I own this debt according to Debt collection practices act section 1692g. 
they have fail to provided me with : A.The original application or contract. 
B.Any and All statements allegedly related to this debt. 
C.Any and all signed receipts. 
D.Any and all cancelled checks. 
Please make them comply or delete this from my credit file.
Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXXXXXX XXXX XXXX XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date. Please delet this from my credit report under FRCA guideline.
There are XXXX hard inquries from XXXX XXXX XXXX that are showing on my Equifax report. A authorized soft inquiry was done to open an account. On XXXX 2017 a authorized hard inquiry was placed on my credit report for a credit card which I was denied after asked to step inside of a local branch to provide my identity. But there are XXXX other hard inquiries received once I stepped inside of a local branch after applying. There are a total of XXXX hard inquries on my credit report and I am disputing XXXX of them. A banker is only allowed to pull credit once for a single credit card application. I was not aware of the other XXXX hard inquiries on my credit report and wasnt told that of the number pulls for a single applicarion, until viewing my Equifax report. This is damaging my credit when I have only applied/ authorized one credit pull for one credit card. I currently have an account with XXXX XXXX XXXX and was told a soft inquiry would be pulled to open a bank account and also being given a debit card along with it for that account. A few months later after opening that account. I applied for a credit card recently on XXXX. 2017 and saw that XXXX hard inquires was placed on my credit report at once.One was done twice on the same day. I am requesting for XXXX of them to be removed from my credit report. Not the one which I applied for a credit card with, that should only be XXXX hard inquiry and also a debit card that usually comes with a open checking 's account should. That should not come along with a hard inquiry.The banker did not explain this to me and I was unaware of the additional credit pulling .If I had known this I would not have taken a risk to have a total of XXXX hard inquires from one bank on my credit report, which is damaging my credit score.
I received two calls robo calls from First Recovery XXXX. The voicemail left a callback number XXXX and a acct # XXXX. I call the number back and the person who answered the phone asked if she were speaking to XXXX and wanted me to verify my ssn. I responded that I was she but would n't verify my ssn. I was told that they would give me any information until I verified the ssn. I said that 's fine. This is a scam and I will report this call to the FTC. The women then said " when you make the report tell them to come lock your XXXX up '' and then quickly hung up.
Call from ( XXXX ) XXXX Diversified Adjustment seeking XXXX XXXX. Diversified purchased bad debt or bad contact information from XXXX XXXX. Call from ( XXXX ) XXXX, I explained debt is not mine. Lady got rude when I refused to answer her questions about me. Told her do not call again. Subsequently received an automated call from ( XXXX ) XXXX seeking XXXX XXXX.
XXXX XXXX XXXX XXXX started the short sale process in XX/XX/XXXX. The current Foreclosure Sale date is XX/XX/XXXX. We have a very incompetent Rep with Chase. She has requested so many changes and we have had the current buyer since XX/XX/XXXX. She has requested 8 HUD revisions. That tells me she does not know what she is doing and it is very frustrating. I do not know if she does not know how to read a HUD or is just being very vindictive because I have gone to Chase Executive offices and  FHA/HUD/NOVAD. XXXX XXXX has complied with everything that the Chase has requested as well as myself. I understand that there are certain rules and regulations that need to be followed due to the type of loan. However, due to this being a Government Regulated loan while the property is in review for loss mitigation options the foreclosure sale date should be pushed out! I need some assistance with Chase so that XXXX XXXX does not lose this home to Foreclosure while it is in review for loss mitigation/short sale. Thank you
The hippa form said that I allow them to discuss my medical record with whomever i add on the form, I did not add bull city financial. I asked for verification of a medical debt and they sent me the procedures of what was done along with the dates, amounts, etc. They were only suppose to have the dates and the amount owed. So when i called them they claimed they have a partnership with  XXXX   XXXX  thats the reason they have access to my files. The bills were suppose to be filed with  XXXX  and   XXXX   XXXX   within   XXXX   pays. someone dropped the ball and did not file the bills with the agencies which has caused me to be affective by a negative credit history.
I have been a Chase customer for 15 years. I have XXXX accounts with them, including XXXX accounts with direct deposit. Every so often on a Thursday night, I have to pull money from an account I have with them to insure against any potential fees since my deposits take place on Friday mornings. I did so this week by pulling over {$400.00} to an account which was cutting it close. My check came in the next morning for around {$3500.00}. I still was charged with a pair of {$34.00} insufficient funds fees because in the mixed bag of electronic deposits and debits a few of the latter slipped in before the deposit and I was penalized. I went through XXXX levels of customer service reps the next morning and each said I was not eligible for any other fees being forgiven due to this happening before. It seems in the matrix of electronic transactions, it 's the credits that always get processed last. I told them they were going to lose a 15 year customer and six accounts for the sake of {$68.00} and they did n't shed a tear. I know they have to follow certain guidelines but is there any personal touch any more? How ridiculous. Every level I went I got the same company line.
This is my second complaint about my closed Discover card in the past XXXX months. 
Complaint # 1 - I received a 'new ' card from Discover XX/XX/XXXX on an account that I closed in XX/XX/XXXX. When I called, they told me the account had never been closed *not true*, but they would now close it. I was unhappy with the fact that the credit card had remained open XXXX years after I closed it & that my credit was run without my permission and a new card sent out to me. 
Complaint # 2 - I received a letter today dated XX/XX/XXXX that stated that although Discover had 'recently sent an offer to me for a credit line increase if I completed qualified activity by by XX/XX/XXXX, my account did not fully meet the conditions of the offer '. Once again, my credit should have never been looked into in any respect by Discover again without my permission. Especially since I had within the span of a little over a month 's time I 'd had the account re-closed, and they were to put me on the do not mail list. I am not a customer of Discover and they should have no access to running my credit and they are to have NO communication with me at all, per my request and what from what I understand the law to be.
I have tried to contact this company and showed them with court documents showing i was incarcerated during the time someone used my identity to open this account it is not mine i was in jail and to remove this due to the fact its not mine i was in jail i provided them with the court documents and they still will not remove it.
I have explained that this is the result of identity theft and they keep harassing me and threading to arrest me although Ive sent multiple cease and desist. I have asked several times for verification that this was me because i have never been to this place of business.
Equifax is out of line. First they cause this massive data breach and offer to give a bogus identification theft program the CEO couldnt even face congress and weeks later he stepped down with his  Millions in severance personal payments knew about the data breach and before he sold his stocks before making contacts with congress or the American People! They refuse to block items that are Fraudulently placed on my credit bureau ( Equifax being the only one not cooperating ) XXXX XXXX and XXXX have been fantastic. Equifax needs to be held to a higher standard of removing the Fraudulent Accounts. I believe this is XXXX XXXX on Equifax part and they are out of compliance.
Check my credit report XX/XX/2019 I see first financial investment for collection I owe I dont company never got an phone or letter in mail just shows up on my credit report
I have sent them a paid form the insurance company and they continue to charge me.
 XXXX
XXXX XXXX and XXXX AES and XXXX XXXX put on my credit report information they werent supposed too under the current situation.
Wells Fargo recently foreclosed on a home where I had two loans with them. After the foreclosure, there was a balance which substantially pays off the second loan. Wells Fargo was notified by the court system that the money owed to them was available. They refused to acknowledge this and change the account number on the loan and are reporting as delinquent for over {$69000.00} than owed. I tried to dispute with the credit reporting bureaus - XXXX and XXXX - both disputes when I tried to load them onto XXXX XXXX would not transmit to the companies - supposedly XXXX XXXX 's reporting mechanism was not working - I tried several times! The attorney handling the foreclosure has corresponded directly with Wells Fargo regarding the over {$69000.00} and they still keep reporting me delinquent, will not state the correct amount owed and as they told me they would are working to ruin my credit. 

Do I have to sue Wells Fargo and the Credit Reporting agencies in order to get this matter taken care of. If so, I need to do it quickly as that is how Wells Fargo was able to foreclose of the first loan - the judge stated I took too long to sue them after trying to years to get them to acknowledge that I had already paid the loan off. Now they are doing this to me again - they are basically ignoring my calls and letters and refuse to first collect their and give me an updated loan amount with the new number they have changed the account. 

What can I do going forward?
I revived a letter from Gold Key stating that the debt was or will be removed from my credit report. 
Also you have not contacted XXXX to report the changes in my credit report, I would ask you to do so, XXXX XXXX XXXX
In XXXX XXXX I was sued for {$2500.00} on a hospital bill. The company of Works and Lentz garnished my paycheck starting in XXXX XXXX for 25 % of my biweekly income. The garnishment stayed in place until the it was paid on XXXX XXXX, XXXX. I received no notification from Works and Lentz that there was a {$28.00} interest charge due on the account after this time. On XXXX/XXXX/XXXX my check was garnished {$310.00} from Works and Lentz and when I called to see why, I was told it was due to this {$28.00} interest payment that was " left over '' and that once the payment from my employer was received the garnishment would be release immediately. I called on XXXX/XXXX/XXXX and was advised that the {$310.00} payment had been received from my employer, but now it would take 7-10 business days to get the information to my employer to release the garnishment, therefore meaning that my payroll check will again be garnished 25 % on XXXX/XXXX/XXXX, and this company will get around if not more than {$600.00} on a {$28.00} interest fee we were never informed about. Then I will have to wait 30 days to receive any type of refund from Works and Lentz for the amount that was paid over.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Case number XXXX They still won ' give me my money. I can not do what they ask it is impossible. Please help me to the next step so I can get My money Back. By the way I called them to get specific information on my loan they said they understood what I wanted but kept sending the wrong stuff. They were rude and being difficult on purpose. I needed the part in the contract that says that if XXXX XXXX or should die the house automatically goes to living person.. I gave plenty of information to them about his death and that my name was on it. They are harrasing me. The person, XXXX XXXX XXXX call any one about his death and she will not cooperate with me. Do I have a legle case to persue or is Umpqua Bank going to be able to still my money. AS i said once before I will sue for harrasement and theft.
This company calls my phone dozens of times per day. They refused to tell me who they are and they never leave voicemail messages with contact information, they just call repeatedly at all hours. When I try to block one of their numbers, they call with many other numbers. They are consistently rude when I ask for identification information, even hanging up on me and then someone else calling back minutes later. I finally got one person to tell me the name of the company and call-back info after I had confirmed with the original phone company that the bill came from, but before then I did not have a good way to verify who they were or that the debt was legitimate.