WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I sent a check for {$740.00} to XXXX XXXX in XXXX, Nebraska. The check was given to me for damage clean up of my bathroom and laundry room where a toilet had run over and the excrement had gone through the floor. All they had to do was endorse the check as required, and return it to me so that I could pay XXXX XXXX for the work they did. I called them on numerous occasions to ask where the check was, the last being today ( XX/XX/XXXX ). They told me each time that a review was being done and it would take 5 days and then 5 to 7 days en route for the check. On XX/XX/XXXX, as requested, I emailed them a copy of the estimate for repairing my bathroom which is {$8800.00} and has been approved by my insurance company. They told me that would take a review of 5 days as well and I should be getting the check back in about 10 business days. I have no idea what's happening with that. I'm worried now that XXXX XXXX is not going to want to fix my bathroom because they fear it will take months to get payment with XXXX XXXX having to endorse the checks. I understand that XXXX XXXX has an interest in the property and needs to know about things being done but this is ridiculous. I'm embarrassed to call XXXX XXXX and tell them XXXX is giving me the same old story again. XXXX  sent me a letter asking for my homeowner 's association information to which I replied that I don't have any homeowner 's association, I'm in a private neighborhood. I sent them a picture of my house so they could see that it's being cared for. I'm feeling like they don't trust me but for what reason I have no idea. I just want the check and I want it A.S.A.P. Anything you can do to help will be greatly appreciated.
I called Ford Credit onXX/XX/XXXX to advise them that the car we had with them was no longer in our possession. I told them that we had used it for a trade in for a XXXX and that XXXX had signed a legal paper to take over the remainder of our debt. Even though I called Ford Credit to apprise them of the situation they still called my home to collect and inquire about the XXXX Focus. They called me on Saturday XXXX just 3 days after I spoke to them and then again on XX/XX/XXXX. I have repeatedly asked them to stop calling me and yet they tell me they can call all they want as much as they want until they get the check from XXXX. They told me they normally call once a day so they are being nice by only calling every 3 days. I told them that is harassment especially since I don't even have the car and I apprised them of all the details with regards to the deal. They told me it is not harassment and that their are no laws to protect me from repeat phone calls! I can not make XXXX pay them any faster and yet they keep calling me telling me to go to XXXX and pressure them..These tactics are disgusting! I should not be harassed for a car I no longer have possession of! Ford is disgusting and not the company it once was. They sold me a car that they knew was flawed a XXXX Ford Focus. The main computer had to be repaired 3 times in 4 years and the dual clutch as well. They have since recalled these Focuses and Fiesta 's associated with these issues but not without screwing a bunch of people in the process! I also had to have a 5 year battery replaced in year 4 and a lifetime motor part replaced in year 3. It is disgusting what big money companies can get away with .On top of selling a money pit of a car, they harass you!
Every month I send RoundPoint Mortgage Servicing Corp. an additional principal payment besides my monthly mortgage payment. I send RPMSC each month two different checks to avoid any confusion. One of the checks carries the inscription " additional principal. '' This is what it does with this extra payment : it places this additional principal payment every month in a " suspense/unapplied fund account. '' For instance, RPMSC received on XXXX XXXX and additional principal payment, it 's still on on a supense account as of XXXX XXXX. I had complained to the company several times about this and other problems without any success.
I moved in 2014 & changed health insurance plans, was not forwarded or contacted by company about debt & have not been given any verification regarding debts I was informed insurance had covered
I was just notified by my credit monitoring service that a new collection account was added to my credit files. I have never received any communication from this company notifying me of any alleged debt. This behavior is a clear violation of both the Fair Debt Collection Practice Act and the Fair Credit Reporting Act. I have since submitted a certified letter requesting debt validation.
I 've recently contacted the merchant in regards to the travel voucher that I 've purchased in XX/XX/2015 via my Credit Card. I was informed that the purchase was charged back and the voucher is invalid, the merchant advised me to contact my bank to clarify the situation. I 've contacted my bank for further information, I recall initiating a dispute it was never completed as I never received the credit back so I thought that the travel voucher remained valid since then. I 've been contacting back and forth between the merchant and my bank since then trying to resolve the issue. Finally, the merchant provided a document that is to approve the charge back. I 've forwarded it to my bank hoping that they will provide me a resolution ; however, they continuously advising me the information that I already know. 
1. The credit did n't credit to the account 2 years ago 2. this charge back pass the time range to initiate the dispute as it 's 2 years ago I 've been trying to contact my bank further for the explanation on why my bank did n't complete the dispute when the merchant already authorized / approve the charge back. The merchant had already expressed that they ca n't assist me any further after providing me the related document and advised me that the money is no longer in their account. 

I do n't know what else I can do in order to resolve the issue anymore as my bank only advises me that the credit never arrived to my account ( which i knew by basically reading the statement ) and the transaction was long time ago ( which i knew as well so that I raised the dispute 2 years ago ) yet my bank never advised me of the rationale of the incompletion of the dispute i raised 2 years while the merchant agreed to charge back. 

Now I have paid XXXX USD and I do n't get to have my vacation ; neither my bank nor the merchant was able to assist me further
Equifax had a security breach and my data was allowed to be given to hackers, months ago.
I had applied for a mortgage and found out that XXXX XXXX XXXX was reporting a collection account for a XXXX XXXX credit card debt. I have NEVER had an account with XXXX XXXX ever. I have disputed this account with all 3 credit bureaus over 4 times now as well as with XXXX XXXX. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of XXXX XXXX statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. I am filing this complaint against XXXX, Equifax, XXXX and XXXX XXXX. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.
I closed an account at TCF Bank XXXX XXXX XXXX in XXXX 2 months ago. I had an {$0.00} balance. they were supposed to send a check. I have called them 4 times regarding the issue. It 's {$0.00} cents! I am tired of calling them and them saying they sent a new check to me. They have my updated address and I never received it. It should not be this difficult. They are failing to communicate, send me this small check for closing my account, and I 'm tired of calling about it. This was the worst customer service I 've ever received closing an account. It should not be this difficult. XXXX phone call to close and they send a check. Simple stuff but they are not doing it.
USAA has failed/refused to report my credit card balance which was paid down to approximately {$780.00} 30 days ago. A rapid re-score company has also contacted USAA about getting the updated balance but USAA has declined to provide a response regarding the large payment I made approximately 30 days ago. 

While the correct balance is reflected on USAA.com ( see attached ) it has not been reported to the credit reporting bureaus which still show it as {$2200.00}. I feel this is done intentionally as USAA has been contacted to do an update by the rapid re-score firm twice.
In XX/XX/XXXX I had an unexptected job loss. Lending Club said they can do a 3 month hardship plan. I only had to pay {$120.00} for XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. I was out of money due to unemployment running out. In XX/XX/XXXX, my unemployment came in 1 day later than the due date. When I went to make the payment, Lending Club said that I was in collections and I had to make up the 3 months of payments ( approximately {$1000.00} ). I did not have a job yet. I finally got a job XX/XX/XXXX, but my first paycheck was in XX/XX/XXXX. Lending club did n't disclose to me that I would have to make up the 3 months of payments when the hardship ended. I was given different information from different representatives. They reported a 90-day late on my credit. I made small payments and ensured them that I would catch up the payments. I have since paid them off ( XX/XX/XXXX ), but I am having trouble with potential employers because of my credit score due to the 90-day reporting. All I ask is that they remove the 90-day reporting because I was cooperating with the little money I had and I was misinformed.
NET SPEND HAD XXXX OPEN ACCOUNTS OF ME. DID NOT NOTIFIED ME AND IT AFFECTED MY CREDIT.
XXXX XXXX says that we owe Steinmart which they gave us a GE Retail Bank card number that GE Bank is now XXXX XXXX. XXXX refuses to give proof of debt we had to track that ourselves. All they gave us was steinmart and card number and supposed last date paid which is XX/XX/XXXX conveniently within the 6 yrs for MI it now being XX/XX/XXXX. First they called several times threatening to take us to court. Then they called asking if they could send an email. The first email said we owed around 4000 and with taxes and interest we owed a total of 14000 but that we agreed to settle for 7000. Then they sent emails after they called and threatened us that said we agreed to settle for 4000. (  Approximate numbers ) All of those supposed settlements were lies. We never even shopped at steinmart our credit bureaus have no records and we tried GE Reail Bank/ Synchrony 4 different times even asking them if they would have GE records from 6 yrs ago. Of course they had no record of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MI XXXX phone # XXXX. Online the people say this is a scam company. We believe so too. Help
I previously filed a complaint XXXX which was resolved to my satisfaction by XXXX 's XXXX XXXX. The resolution involved updating the 3 Credit Reporting Agencies with accurate information regarding 2 tradelines. After correctly reporting these to all 3 bureaus, XXXX reverted to the prior incorrect reporting with XXXX and Transunion. XXXX remains accurate. I left phone messages with the person who previously handled the complaint, with no returned calls. Therefore, I am re-filing this complaint. Under the FCRA, XXXX has exhausted the 30 day period to correctly post the tradelines and I am requesting deletion of both accounts pursuant to 15 U.S.C. 1681 ( a ) ( 1 ).
I 've taken a closer look into my student loan breakdown of payments and am absolutely devastated to find that out of the {$20000.00} that I 've paid over the last few fews, ONLY {$2100.00} has gone to paying down the principal and the remainder {$18000.00} has gone to paying Interest Rate Payments. In the last year, my monthly payments breakdown with only 20 % -30 % of my payment going to bringing down my principal. <P/>I called Navient and the customer service rep explained that I have a " daily interest rate ''. At no point has Navient explained or told me about this " daily interest rate ''. The customer service rep could not explain why or the breakdown of my interest rate payments and did not provide me any viable solutions or satisfactory explanation.
On XX/XX/2017, I phoned Citicard Services regarding paying off my Sears balance. I was asked a series of questions when the agent presented a XXXX month term @ {$100.00} per month at XXXX % interest and asked for my bank routing information. I told her I would think about it and call back in the morning. When I called to let them know I decided to decline their offer pay and the balance on my own terms electing to close the account by me, they told me that I could not get out of the terms the agent quoted me. And, even if I paid the account in full their report to the credit bureau would read that account was closed by the guarantor instead of closed by the consumer. My account is not delinquent and I wish to pay it off and close it on my terms instead of them reporting the negative to the bureau. Please help. Thanks
I have a {$210.00} medical bill from  XXXX . It was turned over to collections  XXXX . This has been turned over to Equifax by  XXXX  ,  XXXX . in  XXXX . As of a few days ago, they are still reporting it. This collection is being resold. It should come off in 7 years from original report date, correct? In  XXXX ? Or will it be on there indefinitely as long as they keep reporting it. I have been getting calls from unknown numbers from someone with a foreign accent saying they were a debt collector. I never answer and let it go to voice mail. I have challenged with Equifax about multiple reporting on this but was declined.   Thanks
This number continues to call me at work - 3 times in a row on Thursday XX/XX/16. I told them this was my place of business and asked them to stop calling. The women on the phone stated **I WILL NOT STOP CALLING YOU** The phone # is XXXX.
I have no account or contract with Portfolio Recovery or XXXX XXXX XXXX. The original creditor has been sent a copy of my theft report as well as well as this third party Portfolio Recovery. They sent me a letter removing on of the accounts on same theft report with the police report and also my attorney information The XXXX XXXX XXXX, but keep attempting to collect on a account that is not mine and when asked for a contract with a signature i am sent copies of a print screen shot of a old bill, I am requesting a copy of a Contract with a valid signature sent to me & / my attorney office. I am aware this is not validity of any debt. I am also requesting a copy of my signature with any contract with Portfolio Recovery. Payment history and accounts payments are being made from. Do Not Provide Me with screen prints on a fraudulent account. All information is to be sent to my attorney office also.
I got an alert from the credit bureaus saying that a new collection account was added to my reports. I have never received any notification of an attempt to collect a debt from any creditor. I 'm very displeased at this companys lack of attempt to notify me of any alleged debt and instead just placing it on my credit reports. I ask that this company remove this alleged debt that has not been shown to be mine and for their improper collection practices
My wife and I have a joint auto loan with Santander. They have placed late payment notices on our credit reports and payments on the loan were made on time. We have contacted Santander about the problem and have disputed the reports, but have gotten no satisfaction. We went as far as sending Santander bank receipts of the on time payments but they refuse to correct the problem.
On XX/XX/2018, I was notified by my homeowners insurance company, XXXX XXXX, that my mortgage servicer, Roundpoint Mortgage, had not paid my homeowners insurance premium the year from my escrow account, and that my homeowners policy would lapse and cancel on XX/XX/2018 if not paid. 

I contacted Roundpoint on XX/XX/XXXX, and after attempting to find my account, initiated an immediate wire for the premium amount to XXXX XXXX. 

On XX/XX/XXXX, I received a letter from Roundpoint Mortgage that my insurance premium had been paid and the payment was confirmed. 

On XX/XX/XXXX, XXXX XXXX calls again to inform me that they still have not received payment from Roundpoint. 

Also on XX/XX/XXXX, I contacted Roundpoint to determine where the error was in the payment. After repeated calls over the next 48 hours, Roundpoint has been unable to verify who they sent the wired money to or if it was actually received. They are unable to transfer me to anyone knowledgeable of the escrow process or to the person who performed the wire transfer or has access to the level of information needed to provide confirmation. 

I am now 24 hours away from having my homeowners insurance lapse and cancel, and Roundpoint has yet to call me back, find resolution, or cooperate with both my and XXXX XXXX 's requests for documentation.
I Tried to send payment to XXXX XXXX XXXX XXXX XXXX XXXX It needed to be there today. I was advised it usually takes about 15 minutes to a half hour but it should be there today. A check with the Bank around XXXX indicated they did not have it. WU agent informed me money was there avaibale but the bank did not reach out and collect it. Call them She also said it could take up to 24 to 48 hours which was unacceptable! I called the bank. At XXXX Bank called and still no money! I recalled WU who informed me Money was returned. Who authorized a return DUH! Asked for Manager got the same response from a Supervisor- unacceptable- I demanded a Manger and God one named XXXX who said that was MISINFORMATION! He said he it take 3 to 5 days totally unacceptable- After a rather direct talk he stated he would expedite it and reach out to their third party processor via email! He assured me they will try to process ASAP! Note IF THEY WOULD HAVE RETURNED IT AT XXXX XXXX  THAT LEFT TIME TO GO SOMEWHERE ELSE- NO THEY SAID IT WAS WAITING ON MY BANK! They have created a serious financial issue.
XXXX XXXX XXXX is trying is trying to illegally place hazard in insurance on my mortgage with out my consent for there finical gain when I called tonight to find out why I have nor received my escrow refund the automated system told me they would start charging me for hazard insurance when I tried to get a hold of a agent I was put on hold for around 20 minuets and the cut off this is not the first time this has happened I also have nor received any letter phone call or email or any other type of communications about hazard insurance I live in a town home the association is required by law to have a master hazard insurance witch has not changed loan servicers have a history of take peoples homes and pays XXXX 's on the dollars for there fraud and staying out of jail I will let theme defraud me out of any thing I also believe this will go on there permanent record and I will be contacting other agency 's about this
Mobiloans , LLC is an online payday loan company. Mobiloans has filed a derogatory report to the credit bureau 's for a loan that is not mine. I have contacted Mobiloans on multiple occasions requesting validation as required by law to no avail. Mobiloans has nothing with my signature on it indicating that i personally applied for this loan, nor that I agreed to repay any loan. After submitting my complaint and dispute to their account support and account dispute division they chose to charge the account off and file a negative report to the XXXX credit bureau. 
Mobiloans resorted to tactics of harassing me by phone and threats of ruining my credit if they were not paid. These tactics and method were numerous and documented by me.
We filed bankruptcy in XX/XX/XXXX?? We included a home we have a mortgage with DiTech, so that we 're protected, but we continued to pay the mortgage & still pay every month. We did miss paying the tax payment in XX/XX/XXXX, and DiTech paid it & added it to our mortgage. 
DiTech continues to call us several times a day, morning, afternoon, or evening. I accidentally answered one of their calls & the man claimed we missed 2 payments -- which was totally false. I told him to stop calling us. They mail us certified return receipt mail. 

It 's just harassment, after harassment, after harassment. We assume it 's because they want to refi the mortgage so that it is no longer protected under bankruptcy. But I did tell them we plan to continue paying the monthly bill every month.
On XXXX-XXXX-18 I emailed that XXXX XXXX tried to take the payment from my savings ( this has never been authorized. I setup the automatic payment to be pulled from my checking which has been pulling until the past couple of months ) and that because they pulled from my savings and not my checking that they caused me a {$28.00} fee from my bank and that now I will be charged a return fee by them. 

Their response " You can change the routing or checking account number from which your online credit card payment will be debited the next time you make an online payment. Simply select " Payments & Transfers ' at the top of the page. Click the " Add a new account link located under the " Form '' dropdown menu to enter the new designated bank account information. Once you click " Submit '' you will have the opportunity to immediately make a payment from the updated information. Please note, your new acct information will not be saved until you make a payment using it. If you need further assistance, please call us at XXXX or send us an email. 

My response through email " You are missing what I said. I did not at any time change it to pull from savings. I do not want to be charged a late fee by you. I also want you to refund the {$28.00} fee I was charged by my bank. You can do the research to see I authorized the payment to automatically be pulled from checking. I have NEVER authorized the payment out of savings. Please let me know when you will be refunding the {$28.00}. If you are not able to I will look to talk to a supervisor and possibly an outside company that can look into the fraud that has taken place.
On XX/XX/2018 I received an updated credit report from Experian and XXXX and noticed XXXX XXXX is reporting the incorrect balance and is misstating the balance due. 

What is being reported is {$64.00} when it should be {$9.00}, this {$64.00} balance was updated on XX/XX/2018. 

The balance was changed to {$64.00} weeks later after the {$9.00} balance was reported, this has caused my credit score to drop several points and my utilization to increase to 6 %. 

I spoke with a XXXX XXXX representative on XX/XX/2018 around XXXX and was told that it is the Credit bureaus who is reporting inaccurate information and was instructed to contact all 4 bureaus to dispute that information.