WillisBack/dataset-financial-user-claim huggingface dataset:
Initial I received a flier for this company and i went on their website to find out information regarding the company. The next day I received a call from this company and I asked them general questions because nothing was posted on their website in regards to interest, terms and conditions on their website. The associate said he could n't provide me the information unless my credit was ran so I agreed to it and gave him my information. A few day later the associate emailed me the credit application and XXXX form for me to fill out and they need a recent pay stub from me. After I filled out the required docs and my paystub I received a phone call from their under writer for a customer interview. XXXX minutes later I received and email with all the terms and conditions. When they ran my credit they told me I had a XXXX fico and in the email sent me they quote me a rates of 14.49 % & 15.49 %. the following day the associate sends me a text asking me what I thought about the approval and I told him i was insulted and that i was interested any more. The following day i received a text say that the were sorry and they can get me a rate of 7.49 % and I did n't respond. I received a phone call a week later from their underwriter and informed I was interested and he still was trying to convince me to do the loan. When I asked the underwriter why XXXX day the rate was 14.49 % to 15.49 % and then the next day because I was upset the rate dropped to 7.49 % and he could n't answer my question
Lender keeps contacting me Harrassing me to pay them back in full when I clearly stated I am currently not employed and I could try to make small XXXX dollar payments until I start working. They said if i didnt pay in full or in XXXX payments of {$88.00} dollars they were going to take me to court. I tried to set a payment plan and they keep harrasing me calling me to threat me to pay them or I will go to court.
XX/XX/2018 - I previously put a security freeze on my account due to the XXXX breach. I am moving and needed to lift the freeze for credit purposes. The credit freeze was with Experian. I contacted every number they have listed for their services, and I consistently got a machine-operated answering system : you are NOT able to talk to a person. And, the voice-operated answering system only gives you 2 options and a continuous feed of useless information. It is unfathomable to me that the 3 credit agencies are given power to destroy Americans ' lives ; however, they are not required to have " live '' personnel answering calls. Is there absolutely no oversight to this? Thankfully, I found the PIN number used to put the freeze on my account. Had I not, I don't know that I would have ever been able to lift the freeze. And, I have the luxury of a computer - what are the people who do not have this luxury to do?? It is a disgrace that Experian can operate with impunity - they should be required to have " live '' personnel working the phones if the automated voice messaging doesn't provide the needed information given the magnitude of power the credit agencies wield. I can't imagine that Congress or the cfpb would allow Experian to function at this level given what is entrusted to them. An Americans ' credit score is tantamount to a Social Security number in order to get credit ; yet, Experian is not required to provide ANY live Consumer assistance. This is disgusting in my opinion. And, I paid money for the credit freeze as Texas requires it, but yet, I could not get any live help to lift it.
I placed an order with XXXX XXXX costing {$10.00}. Upon submitting the order I noticed the incorrect address was used ; an address I havent vacated in years. Before the order was processed I spoke with four different representatives from XXXX XXXX who ultimately did not cancel the order even though it had not been processed or fulfilled. Before the order shipped I spoke to an additional three people who said there was nothing they could do which is utterly ridiculous. They advised me to dispute the order with PayPal which is ludicrous. Now the order has arrived at a location states away with new residents. I have no way of receiving the package and the XXXX XXXX is saying nothing can be done since the package was delivered even though I warned them weeks beforehand. I am extremely frustrated and upset I feel scammed.
Two years ago I was forced to file bankruptcy. I decided to keep the house out. I had a first and a second mortgage. The company that held the first mortgage worked with me a did a loan mortification. Ditech Financial held the second mortgage. I tried for almost a year to get them to do a loan modification and never was able to get them to approve it. They constantly told me they had not received documents that I had sent several times. I finally got to the point that they were able to confirm they had received all the documents requested. They then told me that the time period since application had run out BY ONE DAY and I would have to re apply.

I decided to sell my house because I could not take it anymore. I received an offer on the house. I wanted to know what I owed on both mortgages so I could make a decision as to except the offer. I did not want to except an offer that was not enough to pay off both notes. I called the first mortgage lender, XXXX, they gave me a verbal over the phone and said they would mail out the exact figures at no charge. They gave me the option to expedite by fax for a cost of XXXX dollars which I declined I called Ditech, not only did they refuse to give me a verbal they told me it would be 10 business days before they could give me a payoff.

I now have an offer on my home which I have 24 hours to except or decline. I have no idea what the payoff is on my second mortgage so I can not make an informed decision. Depending on what Ditech charges me to pay off the note I might very well have to bring money to closing to sell my home. I have owned my home for 13 years and never missed a payment until about two years ago. 

I would be glad to furnish my account number upon request
Hello Sir /Madam ( To whom it may concern ) I opened a checking account and a safe deposit box in XXXX XXXX XXXX in XXXX, XXXX NJ XXXX in XXXX which was closed in XXXX, in XXXX XXXX XXXX was taken over by M & T bank , And yesterday when I went to bank asking for the copy of the log book of access to safe deposit box, branch manager XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ) said they can not get it as the bank is changed and she called and emailed few places and said she will call me back and update me and today she left me massage that she can not get that information, as I know bank has to maintain the record for at least 5 years by law, and I need this information to provide it to court for some family dispute and its very important, is there any way CFBB can help me getting information from them. 

Thank you XXXX XXXX
On XX/XX/XXXX I called XXXX XXXX XXXX and asked them if they could set up an impound account for the property taxes only. I asked them to pay the delinquent taxes before the default date of XX/XX/XXXX. They sent me a proposed contract which I did not sign because it increased my monthly payment by {$1700.00}. I called XXXX XXXX County Treasurer and Tax Collector ( XXXX ) on XX/XX/XXXX and they said the 2nd installment had not been paid. I sent a check that day. I called Nationstar and told them I had not signed the impound account proposal and had paid the taxes myself. She told me that if I did not sign, then there would be no impound account. 

Apparently Nationstar did send a payment to XXXX, and it arrived before my payment. I sent a check for {$3800.00} to Nationstar on XX/XX/XXXX noting that it was for reimbursement of it 's payment to XXXX. After some delay they finally applied it as a repayment. 

The problem is they are saying that the DOT alows them to impose unilaterally, an impound account. They are mistaken. The federal law in the cited in the DOT is superseded by CA state law. That law requires 2 consecutive tax payment to be delinquent. This did not happen. 

I engaged an attorney to advise me on the law. I do not want to sue for damages, but XXXX XXXX XXXX d/b/a Mr. Cooper will not respond by phone or letter. They do continue to threaten me with foreclosure and even sent a XXXX XXXX property inspector to our door. He had been told by Mr. Cooper that the property was unoccupied. I do n't even have a XXXX XXXX loan!! 

This brings up the question of, why are they are trying to force me into an impound account. My attorney thinks it may be part of a larger plan to force other mortgages they are servicing into impound accounts. This makes sense since they are trying to collect way more funds than is necessary to pay the taxes.
Loan was transferred to Rushmore in XX/XX/XXXX and the escrow account maintenance resulted in a payment shock without advance notice, causing potential under billing and balloon payment due at maturity. 

Facts : Account XXXX was transferred from XXXX to Rushmore in XX/XX/XXXX Upon transfer Rushmore did not acquire evidence of borrower 's homeowner insurance ( HI ) and factored HI payment in escrow calculation On XX/XX/XXXX, borrower provided evidence for homeowner insurance with no gap Starting in XX/XX/XXXX, Rushmore lowered the total monthly payment due by {$15.00} Harm : Rushmore -under calculated principal and interest monthly due amount upon transfer -improperly made the assumption that homeowner insurance was missing -when borrower provided evidence, Rushmore did not adjust monthly principal and interest payment due but kept them at the under calculated amount -the result is borrower had a payment shock without advance notice and keep being undercharged month over month -the loan would have taken longer to be paid off and if borrower do not overpay there will be a balloon payment due at maturity date
I applied for a loan modification with bayview loan servicing i submitted a complete package my income and financial situation has improved and i would like save my home, my loan application was denied by bayview because it wasn't in there best interest to modify my loan because my property is upside down, this is the reason I`am seeking a loan modification after hearing this i did some research and discover several things that were wrong with my loan, first off the company that originated the loan was located out of the State of California the transaction and process of my loan was completely done over the phone, i didn't receive disclosures regarding loan, documents to read and understand the loan, nor did have any options for any other types of loan products, nor was there a right to rescind the loan included in the documents, but the biggest issue of all was the Truth in lending stated one rate of interest and the mortgage note stated another rate also the first mortgage statement had yet another rate of interest which governs the payments and loan balances. now bayview is stating that i owe a certain amount and i believe its a different amount which is the heart of the matter and why bayview loan servicing has denied my loan for modification, this was a bad loan from the start and i know that there are many federal laws that have been violated by the lender of this subprime loan, so a federal lawsuit is also a option on the table,
I disputed an account being reported to my credit report by XXXX XXXX XXXX XXXX in the amount of {$8800.00} on XX/XX/2016 after formally disputing with the company directly on XX/XX/2016 and again 31 days later on XX/XX//2016 when they failed to respond within the 30 days required by the FDCPA including but not limited to Section 807-8 and FCRA. I provided copies of my reports time and date stamped confirming my accusation as proof they failed to respond. They have failed to also meet the same regulations set by the FDCPA and FCRA. 

I further filed a complaint with the FTC on XX/XX//2016 when I could not get either entity to follow Federal regulations.
Good Day, On XXXX XXXX I received a letter stating it was from the US Department of Education and that they were attempting to collect on a defaulted student loan of mine which I owed {$3200.00} ( Approximately ) in principal ( I have no idea how high this figure actually is as I stopped receiving notices at least 5 years ago ). In these documents was a notice for hearing and some paperwork to fill out for financial earnings. I filed a request for a hearing with the Department of Education as well as signed a notice to voluntarily pay {$50.00} a month towards this debt. On Tuesday, XXXX XXXX I received a letter from a collection agency called National Recoveries based out of XXXX XXXX Minnesota, asking me to submit documents for my hearing which is not at the Education Department but with National Recoveries. If I knew that it was not the Department of Education that was contacting me but a collection agency I would never have asked for a hearing or signed the voluntary garnishment form. I feel they misrepresented themselves as a government agency and not a collection agency and that this was an effort to defraud me.
I made a {$51.00} dollar purchase at XXXX XXXX XX/XX/18- I used my XXXX/XXXX  charge card for the points rewards. After the purchase I wanted to pay the balance in the store but they would not accept my bank card to pay off the credit. 

I pay ALL my charges off in full at the time of purchase or receive the first statement. In this case I was not mailed a statement. I received a text message in XX/XX/XXXX from the creditor saying I had a past due balance. After talking with them my bill had incurred {$62.00} in late charges and fees. I tried to dispute the charges as that was the first contact I had with the creditor. While the did waive {$38.00} they reported my account late which affected my credit score. It is the only late payment I have on my report. I sent a letter to the company explaining that I had not been mailed a statement and paid the balance in full plus fees as soon as I was made aware. I requested credit repair and they replied back that they were unable. 

XXXX perks are a trap for consumers to use their cards that would normally pay with cash. This company profits from late charges and fees by not sending bills out timely. They also have multiple complaints due to damaging their consumers credit reports.
XXXX CEO SETERUS RE : loan Once again I mistakenly contacted customer service at XXXX expecting to be assisted in my issue regarding {$83.00} that should have been credited to my principle account in 2010. Once again third time in 3 months your customer service department ca n't seem to pull it head out of its XXXX and answer a simple question. Once again today i was hung up on and refused to be allowed to speak with a customer service supervisor. 
Today the first XXXX that ca n't distinguish between call on hold and transfer button to voice mail. XXXX took my information and put me on hold for 17 minutes that was then switched to voice mail and I was disconnected. Typical when i have called over last 3 months. Called back and got connected to XXXX who i asked several times to speak with a supervisor. She refused and i was fed up with this XXXX that ca n't seem to understand I did n't want to talk to another XXXX rep that ca n't understand the customers simple request to deal with a supervisor. I hung up XXXX and called a third time and spoke with XXXX. Of the 3 she at least understood and honored my request to speak with a supervisor. After 6-7 minutes I was able to talk with a supervisor the was a total waste of time. The supervisor kept insisting that her people acted correctly, even though they XXXX dropped the ball first disconnecting me and then refusing the request to speak with a supervisor and not the XXXX. 
I will not be lectured by anyone including the XXXX supervisor when you XXXX clowns as a matter of habit hang-up and disconnect my calls EVERY TIME i have called in the last 3 months. Your supervisor lame XXXX apologies and lecturing the customer is not acceptable. If the department that deals with this stonewalls me in giving a response I directly hold your XXXX lame XXXX customer service accountable since they are the only contact number I have. Rather than answer a simple question or check with and inform the customer why they are on hold for 17 minutes or your XXXX customer service department try 's to defend its XXXX response and treatment of customers. 
This is nothing new with this XXXX company every time in the last year with the exception of one time I have been shuffled around, placed on eternal hold and hung up on. This attitude always comes from the leadership top down on how customers are treated. I 'm XXXX sick of your companies XXXX customer service reps. I am looking to refit and get XXXX away from this XXXX mess. The treatment you allow customers to endure is criminal and that is a understatement. Apologies from any XXXX supervisor or CEO XXXX mean nothing. 

Fix the issue and I also want the principle amount corrected for interest wrongly charged on the missing {$83.00} dollars since 2010. I will forward my complaint to XXXX and any other regulating agency that can slam you company and file charges for your unlawful misdirection of funds and wrongly accrued interest on the amount in question.
I had a checking account at BOA, and my balance was XXXX approx. I had stopped using the account and it sat there unused. The bank started charging a fee for what I understand was lack of use when it was supposed to be free checking ( by the way it was 4-6 years ago. ) from what I can surmise when the XXXX ran out the bank started drawing from a credit line they charged XXXX and paid it to the account then took XXXX per month to pay themselves until it was gone then charged another XXXX put it in the account and proceeded to do the same thing XXXX per month I believe they did this 4 times until I happened to check my credit and realized this was happening and quickly closed the account. how does the bank justify taking money from my credit line, that they are making money on to pay them selves for lack of use on my account,? making interest on money they are paying them selves and charging me? 
got ta be something wrong here hope this is clear
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX reference # XXXX This company is trying to collect a debt from me in reference to a XXXX XXXX bill of {$190.00}. I have never used or setup a service contract with XXXX XXXX. I have come across this issue because of checking my credit report and see this listed under collection accounts.
I had XXXX accounts with Santander. Both have been paid off, but Santander continues to report an outstanding balance even though I have informed and disputed. Account XXXX was repossessed XX/XX/XXXX and I paid settled the charge off XXXX XXXX. I even filed with appropriate tax document earlier this year. XXXX was paid off over a year ago and I possess the title. I have attached all supporting documents. I can not understand why Santander refuses to report accurately to the credit reporting bureaus.
Two things - XXXX failed to honor a travel voucher due to me for a cancelled flight ( then rescheduled flight ) that carried travel insurance. In the meantime, my credit card company failed to cancel my credit card account after I found fraudulent charges on it. XXXX essentially charge my credit card twice for a flight and failed to honor my travel insurance or travel voucher for the rescheduled flight. In total, I was actually due a refund from XXXX. Now there are charges on a credit card that I thought I had cancelled and the credit card company, after receiving all pertinent documentation to this fact, notified the credit bureaus that I am overdue on my credit card payment - on a card that I do n't have and that I had believed in good faith was closed permanently.
The company has responded to the complaint # XXXX. In a letter sent to the company XX/XX/2014, I notified the company that their claim was disputed. 
In the same letter, I requested that this company validate a debt for which they say I owed. I requested that the company provide me with competent evidence that I have any legal obligation to pay. I asked that they please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

To my request, the company responded with a debt collection letter from a company. In that same letter, it changed the dollar amount to a handwritten amount. 

The company did not validate the dept. It did not prove the Statute of Limitations has not expired on this account. It did not show me that they are licensed to collect in my state. It did not provide me with its license numbers and Registered Agent. It did not explain and show me how it calculated what I they say I owe. It did not provide me with competent evidence that I have any legal obligation to pay them. 

I do not know who this company is. 

This company has knowingly reported invalidated information to the three major Credit Bureau 's ( XXXX, XXXX and XXXX ).
They keep calling outlets not relative to where I reside or would be able to have communication. There is no reason any one other than myself should be contacted regarding my finances or financial situation.
Failure to provide a copy of a signed contract or any instrument bearing my signature.  Chase  only provided photo copies of statements. As per FTC opinion letter from Attorney  XXXX   XXXX   XXXX   Chase should be aware that a printout of a bill or itemized document does not constitute validation. After   Chase investigated this account I was send violation of the Fair Credit Reporting Act section 623 ( a ) ( 3 )   and/or the Fair Debt Collection Practices Act Sec  tion 807 ( 8 ) by not placing the disclosure within the required 30 day period.
As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.     ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in sectio n 603 ( p )
No matter how many payments or how high my payments were, my balance remained the same. If I lost a job and asked for help, lower payments, etc it was a circus. I get bills sent, sometimes I do n't. They do not send my tax documents as requested or required and make speaking to anyone for any reason impossible. They have also taken payments without my permission. When I requested forbearance they made it a nightmare and kick me off without my knowledge.
Currently, my XXXX credit card is no longer reporting on my Equifax credit report. I have been an authorized user for this credit card since XXXX. XXXX has confirmed ( see attached ) that it is currently reporting the data from the account holder as well as my information to all XXXX credit bureaus. Attached is a letter from XXXX confirming this information along with a current statement. In addition, I 've also included an Equifax credit report dated XXXX displaying the account previously reporting.
now with the security bleach of XXXX i have no trust in the the major bureau they have violated my right for year giving me higher rates putting loans that are not mine it 's time to make the giants pay for what they have done to me and my family. they have violated every consumer right act ..
XXXX XXXX FAILED TO RE-INSERT MY ACCOUNT BACK INTO XXXX CREDIT FILES IN VIOLATION OF F.C.R.A. 15 U.S.C. SECTION 1681g and CREDIT FURINSHING LAWS.