WillisBack/dataset-financial-user-claim huggingface dataset:
Received a XX/XX/18 call to collect a debt not owed by me or any person at my telephone numbers ; XXXX and XXXX and XXXX  during the past 5 ( first two numbers ) and 10 years ( last #, XXXX  ). Unwanted Company/caller was Dynamic REcovery Solution, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and mailing address XXXX XXXX XXXX XXXX SC XXXX.

They have the wrong numbers for whomever they seek and they were simply lazy and slothful in conducting their business by failing to check their telephone lists, choosing instead to make calls and interrupt my day with their call and further time needed to attempt to have them stop calling my numbers by filing this complaint and talking with them.
i have called them on XX/XX/XXXX and made my payment the representative took my payment and she read the script and we were all done so i called back on XX/XX/XXXX to find out why the money is still in my bank acct and i was told that it was canceled bc the rep did not complete the phone call and so the payment was not prepossess rite so i asked to have them pull the phone call and tell me why she put that there if she did complete the call and them i got transfer to a different department to do other things and do i got a rude manager on the line very very rude service in this company she said she cant help me so she got me over to the collection department and the rep there when i told him what happens and i said this crazy people in costumer service need to be train ride he said he is not going to talk to me and hung up the phone and did not take my payment for my house so i called back to talk to some one else i was on hold for over 45 min and cant get no one on the line ever why do we have to have company in this world when they refused to talk to people with a professional matter and help them why are this people taking this personal and not handling this professional level.. 
i got my house in XX/XX/XXXX and they finance us thru XXXX XXXX and this has been a nite mare with them
My ex wife and I purchased a car with XXXXXXXX XXXX XXXX, we got divorced in late XXXX. She allowed this car to be repo and filed bankruptcy on the debt ( since in the divorce decreed, per the judge, she was given the car and the judge removed me from all responsibility with this debt ). In XXXX, before I was about to be transfer to my new command in XXXX, I received notification regarding being suited for this auto loan. I tried to contact the law firm and received no response from them-They refuse to call me back. I went to court and I should the paperwork of my divorce and other document to the judge. He proceed to dismissed the case, and told the attorney that they need to come back to court when they can prove their case properly. I thought it was done. In XXXX I'm XXXX in XXXX and filed out that I'm being garnished for a auto loan that I wasn't served on after the court case in XXXX. I can't pick up the phone and call the law firm-I 'M IN XXXX. By the time I get back- I'm sent back to XXXX XXXX and then TO XXXX XXXX XXXX . I have tried to contact this law firm and XXXX XXXX XXXX and can't get any responds back. THIS GARNISHMENT HAS BEEN GOING ON FOR ALMOST TEN YEARS-The problem with judgment is, Virginia Court System Clears their system every about 5 -7 years, so I can't find anything on this original judgment other then the garnishment paperwork. They have taken from me a total of XXXX on a car and I still owe XXXX. And the best part of this issue, the car didn't even cost that much in the beginning.
I went to try to get a car loan and when they came back to tell me there is a credit company that said it is still going on since 2010. This is the bankruptcy courts which i never went through with the bankruptcy. This should say dismissed since i did not go through with it. I called the attorney XXXX XXXX in XXXX and nothing was done. I paid them and never got my money back cause i was going to go through with it but when he told me it would cost more we did not go though with the bankruptcy. I called the Federal building in XXXX XXXX, Pa and they told me they can not do anything yet i was on my credit report
I have disputed the late payment status reported on the account XXXX, XXXX  XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.
Upon receiving several notices that our taxes went up from our mortgage company advising us our escrow was now short, I took money out of my retirement to pay PUF. This was forced upon me causing me to pay fees for pulling money out early then again when taxes were paid in XXXX. We received another notice of the same thing this month, so we dug into the problem with the county auditor. Turns out the company did not pay our first tax bill with them causing a mass amount of late fees and interest making it seem our taxes went up. Taxes did not go up but every time a " timely '' payment was made it went to the delinquent amount we incurred almost {$900.00} in fees alone. Now trying to get Pacific Union to realize there mistake they are telling us they did not make a mistake it was up to us to tell them we were late. We do not receive a bill they do, we did n't know. Not to mention they are paid to pay on time and our mortgage makes us escrow with them. We should not have to pay these late fees we filed 23A forms for penalty remission but they still want to raise our monthly bill to an outrageous amount for escrow they made short. We even had the county call them and they refused to speak to them. They are helping the mortgage company too but they  refused. Now we are afraid we will lose the house because we can not pay {$300.00} more a month when it should n't have happened AND we can show them the error to fix it and they wo n't speak to the County representative. Please help!
I received a personal Loan offer from Barclays, a credit card company. The letter stated that the loans were being offered@ 4.99 %, but to accept the offer, I needed to connect to the website, online. No customer service telephone number was provided in the letter. At the website, the lowest interest rate available was 5.7 %, and up, ( based on your credit-worthiness ). 
This is just plain False Advertising. 
I tried a few of their links, and some offered loans - less than 35 % interest, but I didn't see anything@ 4.99 % or less. I would like to know, where are these loans are hiding? Since their offer is deceiving, I will look from any local bank, where this does not happen, and I can speak to a real person. 

XXXX is an Invitation number, not a loan. I have their Credit card, but did not originate any loan from them per this generous offer.
XXXX XXXX put a hard inquiry on my credit. I havent had my credit ran since I filed bankruptcy. It was put on there XX/XX/2018. I dont know nothing about this company at all
In late 2016 I received an email from XXXX XXXX XXXX offering me XXXX bonus airline miles if I got their credit card and spent $ XXXX dollars with it within 3 months. Before applying, I called them to verify that I was eligible for the promotion, since I knew I 'd had a similar card at some point in the past. I was assured that I was qualified for the miles. I got the card and spent the money, noticing some time later that I had no bonus miles. 
I called XXXX XXXX XXXX to complain, they told me that I was NOT qualified for the miles, since I 'd had the same card in the last 3 years. They explained that they did not positively verify eligibility in advance, only AFTER customers get the card and charge the required amount. I feel this is fraudulent advertising. I cancelled my card immediately. 
Only now, XXXX XXXX XXXX has again sent me an email saying I could get the same bonus miles with the same card. This is something both they and I know I am NOT qualified to receive. This is a fraudulent offer. I 've attached a screenshot of the email I received today. It includes my XXXX member number as a reference. I 've also attached the final bill from my cancelled account.
This is an official complaint against XXXX XXXX XXXX ( XXXX ) and its collection agency, Client Services Incorporated ( CSI ). On XX/XX/XXXX, I contacted CSI by phone to amicably settle my debt with XXXX. XXXX XXXX XXXX who is a Customer Service Representative with CSI took my incoming phone call. During my recorded phone conversation with XXXX XXXX, I was " ambushed '' with a bombardment of verbal abuse, constant harassment, malicious acts of intimidation and a strong sense of retaliation all because I failed to pay my debt to XXXX. Also, within the attached settlement letters of CSI, I was subjected to several deceptive, misleading and unfair collection efforts as I 've indicated below : ( 1 ) On XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of CSI for a 30-day deadline of XX/XX/XXXX to settle my debt with XXXX. XXXX XXXX verbally agreed but he ultimately denied my request in writing by unfairly punishing me with a same day deadline of XX/XX/XXXX. See attachment letter. ( 2 ) On XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of CSI to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX, but he verbally denied my request and he vindictively gave me a deadline date of XX/XX/XXXX. See attachment letter. ( 3 ) On XX/XX/XXXX, I verbally asked XXXX XXXX Payer of CSI to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX, but he rudely hung up the phone on me when I informed him that I would file a Federal Trade Commission ( FTC ) complaint against him and CSI. ( 4 ) On my 4th attempt to settle my debt, which was also on XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of CSI to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX. Fortunately, once XXXX XXXX learned that I would file a FTC complaint against CSI, he quickly agreed to send me a correction settlement letter with a deadline date of XX/XX/XXXX of this year. See attachment letter. ( 5 ) During my same above phone call with CSI on XX/XX/XXXX, I repeatedly asked XXXX XXXX to make an amendment to the below listed 2nd statement that is located on the first page of my CSI letter, but I was constantly denied. This following 2nd statement is extremely misleading and it clearly implies that I have to make a 2nd payment to settle my debt : " To accept this settlement offer, our office must receive the first payment by the date listed beside the initial payment on page two ( 2 ) of this settlement offer notice. '' Please be advised that I repeatedly asked XXXX XXXX to make the following correction to the above quoted statement, but I was constantly denied : " To accept this settlement offer, our office must receive the first and final payment by the date listed beside the initial payment on page two ( 2 ) of this settlement offer notice. '' Clearly, XXXX and CSI has engaged in a conspiracy to bully, deceive and invoke fear upon me in order to aggressively collect a debt. These corrupt activities by XXXX and CSI is a direct violation of the Fair Debt Collection Practices Act.
I have inaccurate late reporting on my credit file. I have contact the credit agencies to dispute this and they stated that the information was verified. I find that hard to believe considering that all of the credit agencies are reporting something totally different. I asked that Volvo Finance remove all of the late reportings from my credit file since their reportings to the credit agencies have several discrepancies. I know that I had not been late on any of my payments to Volvo Finance.
AvanteUSA,  XXXX , TX offered to settle a debt from  XXXX   XXXX   XXXX  in  XXXX  PA and sent a letter implying I would be subject to further action if I did n't pay AvanteUSA. I have never been to  XXXX   XXXX   XXXX  nor do I live anywhere near  XXXX  PA. I have seen other complaints about Avante since researching this scam.
On XX/XX/2018, I deposit a money order that I received from my tenant and payment has been placed on hold until XX/XX/18. Money order was purchased at a postal service office in PR. Bank refuses to liberate fundings. Currently I am unable to make a XXXX XXXX credit card payment and I have only {$170.00} in the account that I can not use or additional fees will be applied. The money order has been treated as a check despite been purchased at a postal service. This is a violation of CC rules. The bank is Bank of America. I am concern as my tenant bounce 2 checks previously, this impacted my account. T thought asking for money orders will solve the problem. This situation proved otherwise. I just need to have access to my money to be able to pay other bills and have daily living money.
On XXXX/XXXX/17 I received a phone call from a man calling himself XXXX XXXX from Weiss XXXX claiming to have a lawsuit pending from XXXX that was taken out in my name 4 years ago. They claimed that their ready to sue me. They did not specify the amount of money that was owed. I asked the caller to send me documentation via mail and asked for their law office license number, but the caller refused to provide me with the information. 
Additionally, before I was even contacted personally, my Mom, XXXX sisters, brother in law, and my brother in laws mother were called ( I do n't even have his mother phone number ). They threatened that I would be prosecuted if I did n't contact them immediately. 
I again received another phone call on XXXX/XXXX/17 and a voice message was left threatening that I would be prosecuted if I did n't return their call.
Wells Fargo put a stipulation for the date they must receive an offer in order to entertain a short sale. I have a XXXX % backed VA loan, so Wells Fargo will receive all of their money regardless. They are trying to foreclose on the home now even though they will get all of their money when the house sells.
My debt is currently being managed by a credit counseling agency - XXXX XXXX XXXX. My credit card accounts were all negotiated and new payment terms were agreed upon with all of my creditors. XXXX XXXX Credit has continuously accepted payment and has agreed to new payment terms, yet has marked payments late each month for the past year. Each time I attempt to reach out to XXXX XXXX via telephone, I am told that they have no record of my calling, of my credit counseling program, or of the new payment terms. I have exhausted all efforts of attempting to resolve this matter myself and would like for all late payments to be removed from my credit report immediately.
Navient now requires me to input my social security number or account number before login. This was not previously the case. Additionally, they do not send you any information containing your account number by mail or email. Many people do not feel safe giving out SS number over the phone or online and this results in many people, including myself, who are locked out from accessing their loan documents. Customer service will not allow you to verify identity with any other information. They state that they are following DOE guidelines. These guidelines are, for lack of a better word, XXXX. I may now be permanently locked out of my account. This antiquated DOE guideline was ill-planned and needs to be rewritten.
The Service company for my mortgage has repeatedly audited my escrow determining shortages two years in a row and will not provide documentation to explain the shortages. They do not return phone calls and emails. Fay Servicing keeps changing the account representatives. Managers do not return phone calls or emails. Twice I have been put into forced-place flood insurance when they did not renew with the provider and it has resulted in my payments nearly doubling. Because the property tax and insurance is paid from impound escrow holds, I do n't even get to see when and where these payments are made. I have asked to stop impounding for these payments and they refuse. My original loan with XXXX has been sold once or twice and the servicing company has also changed. I have never had any problems with the previous service company ( XXXX ), but I continue to have issues with Fay Servicing. I have asked them for the name of the previous flood insurance provider so I can switch the insurance back to that company from the forced-place and they refuse to provide the name. I have also requested the name and contact person for the note holder and they also refuse to provide that information. I have been hospitalized multiple times in the past few years and the XXXX Fay Servicing causes me is overwhelming. During the past two years after Fay Servicing has claimed shortages and my monthly payments have increased, I requested information to determine why there are shortages and they refuse to provide me the answers. I do n't even get a call back or response until I hold back making the payment. Once the payment is deemed to be late, only then do I get any response. Instead of getting me the detail I request, they have harassed me with multiple calls and correspondences and add late fees. This company does not work in good faith or with any sort of professionalism.
XXXX XXXX XXXX/Mortgage Loan Officer/NMLS ID:XXXX/Bank of AmericaOne of the worst experience I have ever gone through. The fact that the MLO didnt have clear and basic understanding of how mortgages work, and kept running around in circles troubles me. 
Story : My name is XXXX XXXX XXXX had explained to MLO my current marriage situation, MLO kept on saying it would be fine and WOULD NOT HAVE ANY ISSUES. My Realtor ( XXXX XXXX, has supporting documentation ) and also confirmed with him that I would have any issues. Well when my offer was accepted she got really nervous with my questions and didnt even want to speak to my Realtor or was given me clear instructions. Very disappointing! Seller and I were out money and time and this could have been prevented if the MLO and Bank of America would do a better job of qualifying clients. 
She was very irresponsible, never gave clear answers, was very unprofessional, and when ask what to do next she answer " THE PAST IS HISTORY AND LETS MOVE FORWARD '' WOWAlso at the start of my application she approved me for Conventional and changed it to FHA later on the process without definite answer as to why.
I originally began this complaint with the Attorney General Of New Mexico and the XXXX XXXX XXXX   on XX/XX/2016 because of the harassing and threatening phone calls that I received from Castle Credit. I paid my bill faithfully until earlier that year when I went into a hardship. When I could pay my bill the phone calls started. I told them to stop calling me and to only contact me via email but they refused and I kept getting threats from them about taking my house because there was a lien on it. I later found out they put a lien on my house fraudulently when they opened the contract which I was told was against the law because my payments were current. I met with an assistant attorney general and I was included in a consumer complaint. I was copied on an email that informed Castle Credit to contact them only and not me. Beginning last year I began getting phone calls from Castle Credit again, on my phone and my work number. I told them again not to call me but the phone calls continue. I have been trying to find information about the case from the Attorney General but have not had any luck but was told to file this complaint.
I submitted a validation letter to Transunion on XX/XX/2018. My investigation was open the next day. I called and verified with an agent. The results were completed in mailed to me. I received them on Saturday, XX/XX/2018 in the mail. The following items were not validated, but instead " verified as accurate. '' Now I have to resubmit another letter and wait yet another 30 days for validation of the said debts? Please assist, as Transunion is not following the law. The debts are below : -XXXX XXXX -XXXX -XXXX XXXX XXXX XXXX XXXX XXXX -XXXX   XXXX XXXX Thank you
I have several hard inquiries that are effecting my credit report tremendously! I would like them remove because I was not inform that they would have an effect on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX WA, XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX WA, XXXX XX/XX/XXXX XX/XX/XXXX XXXX TX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX MD, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX UT, XXXX
after an XXXX I apply for capital one secure credit card and used it for about XXXX and they retricted my account twice for no reason after I called for the second time I paid off the bal and the lady told me she would refund my money in ten days, they have made two other dates for refund and are just liars I am on a fix income and I need my money in reasonable amount of time after two billing cycle is not reasonable what does that mean 60 days 62 days or XX/XX/2020
On XXXX I spoke with a representative at ext. 101 from National Credit Systems about settling the debt owed by a former apartment complex where I resided. The initial settlement offer was {$850.00} and I was waiting for approval so I could clear my debt. On XXXX, I received a call stating that the offer had been refused and I now have to pay {$1300.00}. Also, they would submit documentation stating to the credit bureaus to remove the negative item. As I went to accept the offer, I asked if they could provide a statement in writing. I explained to her that I did not feel comfortable paying {$1300.00} with no documentation. The rep refused. She exclaimed that they will never send any documentation and there is no reason to even go back and forth about it. Now I am stuck with this negative remark on my credit report and no way to dispute it.