WillisBack/dataset-financial-user-claim huggingface dataset:
We were send a closing document to sign that was unbalanced/contained errors. It was sent to us at the end of business day when there was no one available to call to ask questions to. We looked at/acknowledged it. The next day we were notified that there were errors in the closing document/that it was unbalanced and told that we had <1 hour to decide if we wanted to delay closing/risk losing the house or lose out on {$5500.00} worth of seller credit. No one took responsibilty for the error. In fact, we were blamed for the error ( the mortgage representative told us the error was because we rushed them ). I have tried multiple times to address this with bbva. The mortgage lender has not acknowledged or taken responsibilty for the error in the CD that lead to our loss.
THEY HAVE MULTIPLE NAMES AND ACCOUN.T I HAVE ACT ALREADY PAY OFF AND MULTIPLE ADREESSES. I HAVE LIVE AT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND AT XXXX XXXX XXXX XXXX XXXX XXXX.
I was trying to pay my credit card account from my savings account, which had sufficient funds in it. Chase was unable to connect to my savings account and refused the credit card payment. I attempted to pay again through the account, and was refused again. I switched to connect to my checking account, which was accepted, and made the payment and it was accepted, however i was charged {$25.00} for each of the refusal fees for a total of {$50.00} Date of first attempted payment : XX/XX/XXXX Date of first fee : XX/XX/XXXX Date of second attempted payment : XX/XX/XXXX Date of second fee : XX/XX/XXXX I was not notified of these fees, even after the payment failed, i only saw it when i checked my statement. I also had sufficient funds in my account and Chase failed to connect to my external savings account.
I disputed the legality of the debt because I do not recognize XXXX. I took out a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX back in XXXX in the amount of {$800.00}. I paid three payments of {$250.00} with one returned by my bank for NSF. They re-ran this ACH three subsequent times, causing further overdrafts. Then in XX/XX/XXXX of this year, I started getting correspondence from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX is a tribal entity that bought this debt and onctheir behalf, the above collection agency is trying to collect {$1500.00}. I am disputing this allegation/claim because I have never done business with XXXX. Also, XXXX XXXX XXXX refused to verify the original debtor, XXXX, the original date of the debt and the amount. They listed it on my credit report as a debt originated in XX/XX/XXXX, which they are claiming as a new debt. Further, they are using an ACH withdrawal per XXXX ; to verify the debt as being owed to them. When I spoke to XXXX, he asked for my SSN, which I provided and said I did not recognize the loan originator and the dates. He then mentioned XXXX and pressured me to settle. I was unable to clarify to him that the debt originator and dates were incorrect. He was rude and told me I listened to you and now you will listen to me.
Recently,  Ocwen has come by my home to photograph our property. While I know this is common they do it more than necessary. If we have n't made a payment they are driving by photographing our home before 30 days. Most recent event has me feeling very concerned. They actually came onto my property while my kids were home alone and photographed our boat, and cars in the driveway. My daughter was very upset. Adding to this Ocwen w ill send letters stating we are at risk of foreclosure before the  XXXX  and more letters before the 30 day mark. They do n't only send me a letter they sen d 2, then they send 2 certified letters I have to sign for then they charge me for this almost every month. And this  months statement does n't say what the  XXXX  fees/other charges are for. Waist of paper and money. We are behind on payments and when I ask to make partial payments throughout the month they decline stating the computer would n't recognize it and apply it to the principal instead of the monthly payment. I had set up a phone meeting with  Ocwen, th at they email confirmed, for   XXXX   XXXX   at   XXXX   XXXX   but they never called and still have n't.
Last month, on XX/XX/2018 I submitted my dispute for fraudulent closed accounts on my credit report. Unfortunately, those accounts have not been removed. 

Last week, I obtained my Identity theft report and submitted it with my dispute along with, FCRA section 605 ( b ), a copy of my credit report, and proof of identity. 

I still have not heard from the bureau regarding my dispute last month.
This debt was incurred by my ex-husband by living in an apartment where we both lived when we were together. The debt is only in my name shared with a previous roommate 's. I have supporting evidence that my ex and I were legally separated when this debt was incurred. 

When going to visit the property management company, I was told to leave the office because they could n't help me. I was embarrassed and treated very poorly. This debt does not belong to me and they did not give me a chance to resolve this with them. Instead, it was sent to collections under my name instead of my ex-husband 's. 

I lived in this apartment with another roommate before my then-husband moved in with me. My roommate moved out at the same time. Now her ( ex-roommate ) and I are being charged each for the FULL amount instead of half each. We also each received an offer for resolution claiming we only have to pay 50 % of the debt. But if we were to accept it, we 'd still be paying the full amount together. The property management company is completely unprofessional and dishonest.
SunTrust is illegally holding almost XXXX in funds consisting of personal and federal ( student loans ). Closed account without advising and still cashed checks and accepted deposits and has not returned these funds since XX/XX/XXXX.
My loan was sold from XXXX XXXX to Select Portfolio [ SPS ] Servicing on XX/XX/XXXX. When my loan transferred from XXXX Bank, I was given a final modification of my mortgage. I never received the modification agreement and called SPS to have my modification agreement sent to me as they were my new servicer. SPS informed that I had to get the agreement from the XXXX XXXX. XXXX XXXX informed me that my loan was sold and my case was closed. I then, was told to reapply with SPS which I did. At the time of my modification with XXXX, the value of my house was approximately XXXX dollars according to XXXX XXXX appraiser. Now I am in a dispute with SPS who states my home is now worth XXXX dollars even though we have an appraisal at XXXX which was completed on XX/XX/XXXX. SPS refuses to accept the correct value, and has my home in foreclosure. SPS also refuses to modify me due to their inflated evaluation. SPS withheld my modification that was written by XXXX since XX/XX/XXXX when they took over the servicing of my loan.
I have a credit card with Capital One. My credit limit is XXXX. I also have a secondary card holder ; my mother. She used her Capital One credit card to rent a vehicle with XXXX XXXX XXXX. After returning the car, the credit card was charged {$7800.00}. That amount is over the credit limit. Why would Capital One allow an outstanding charge to be pulled from a card that had a set credit limit of {$300.00}. As a result this charge has been applied to my credit report and has brought my score down to a dramatic drop of XXXX. This charge was not authorized and should have not been approved.
I have thousands and thousands of student loans through Navient. I have been through the ringer with them time and time again. My loans are on auto draft and they continuously call me to say that my loan has n't been paid. Every time I was accused of not paying, I called and spoke to no less than XXXX people before my issue was resolved. They acted like this was all my fault, until I was able to get an honest employee on the phone. Finally I was told, '' there was a glitch in our computer that takes payments. '' That would be fine if that were the only time this happened. Every 3 months they call and act like they need me to start paying more. They tell me that I have n't held up my end of the repayment agreement by being late on payments. This has happened more that 20 times over the last few years. They have more than doubled my amount owed, because I put them in forebearance when I was first out of college. I now owe $ XXXX when I should have paid around $ XXXX. The last excuse I was given for the " late payments '' was that the date that I had my auto draft payment paid to them was late every month. This is a date that an operator setup over the phone. They charged me late fees and literally had me XXXX. I told theme, on many occasions, " this has to be a scam!!! '' It always turned into me yelling, because they would pass my call around to so many people. Sometimes I would have to hang up, because I could n't think straight. I have had many sleepless nights, because of Navient. I live a terrible existence, and I have a job that pays above average. Getting a college education is the worst thing I have ever done, because of Navient. I ca n't take the harassment anymore. Please help me and the thousands of other people just trying to make a brighter future for themselves.
I received an alert that my account was closed. I then called XXXX XXXX and told that my credit card account was suspended because of a return payment of {$64.00} on XX/XX/2018. I then contacted my bank and this was returned not because of my mishandling but due to my banks. I have a letter from my bank stating this and I would like my account to please be re-opened.
I sent a goodwill letter to Synchrony/Care Credit because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead Synchrony/Care Credit reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When Synchrony/Care Credit reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet Synchrony has damaged my credit further. I hear about Synchrony Bank damaging many peoples credit with their practices. I repeat a goodwill letter was sent to Synchrony/Care Credit - not a dispute letter.
Holst & Boettcher  continue to harass and use demeaning effor ts of contact. Holst & Boettcher has come to my place of employment to serve dated and inaccurate information. This is both demeaning to my reputation and unnecessary. It may be a violation of both legal and consumer laws.
I received a letter for a short term loan from a company called Castle Payday. Having been hit with unexpected expenses, I contacted them and received a loan in the amount of XXXX and was told that finance charges would total XXXX, though high, I accepted. 

The loan documents that I was able to view at that time did NOT show the " Truth in Lending Disclosure '' that is part of them now. that I would be making interest only payments totaling {$1500.00} plus the amount of the loan for a total payment amount of {$1800.00} for a {$350.00} loan. 

The practice is beyond deceptive and a quick check of this company online shows many victims in the same boat as I am. I am continuing to make payments as per the agreement ( which again I was told would have a finance charge of {$120.00} not {$15000.00} ) for fear of having my credit impacted. This is a deceptive loan practice and have learned by a quick search that I am far from the only person to have been scammed by these people. 

A quick search of the internet showed that even though they are a " Tribal '' lending ( and I use that term to be polite ) company, that the FTC has been granted authority to go after companies that engage in these practices. 

In any court, finding that a company is charging at finance charge of {$1500.00} for a {$350.00} loan totaling charges of {$1800.00} is, to the best of my knowledge, illegal.
I attended XXXX College from XX/XX/XXXX to XX/XX/XXXX. Student loans were processed with XXXX XXXX XXXX who I arranged monthly installments. I am in good standing with this company however, in XX/XX/XXXX I received a message on my credit report of two derogatory marks. I discovered Unisa turned student loans over to a collection agency, XXXX XXXX XXXX. I was never informed in writing or verbally that my account would be placed into collections. 
I have contacted both companies several time with no prevail. As of XX/XX/XXXX Unisa has stopped sending statements. I am continuing monthy payments to date. I have also, filed disputes with XXXX, XXXX, and the XXXX XXXX XXXX. After researching XXXX XXXX XXXX, my discovery shows many complaints of unethical business practice and illegal collection practices. 
I have also attempted legal action but have not been successful in finding representation. I can provide documentation in my favor such as proof of payments, notes from conversations with all parties involved, my last statement sent from Unisa, proof of complaints on the XXXX XXXX XXXX site and XXXX investigation report which found in my favor. 
I am seeking help in resolving this issue. Please advise if your agency can be of assistance to me.
Went to Toyota XXXX, XXXX XXXX FL to lease a car. Saw an ad on TV for two year lease, low monthly and low down payment. Sales Rep XXXX XXXX went to computer, asked my SS # to find out my credit rating. I told him " excellent. '' The sales mgr entered and asked, " Did she pick out a car, a color? '' I did. I wanted to nail down low down payment and low monthly payment on two year lease. Sales mgr replied, " How much do you want to pay? '' Can you put XXXX down? '' Then he asked for my car keys on a XXXX that was at the end of a 39 month lease that would expire in 3 months. 
Sales Mgr who took over the deal, never told me what residual value was on the Nissan Altima, just, '' I 'll take care of it '' When I got tired after two hours in the showroom, I said I wanted to think about the lease and asked for my Nissan keys and they said, " We put plate on new Corolla. I was tired and I caved. I went to the finance manager XXXX XXXX. 
His first words to me were, " we have XXXX cameras in the ceiling. '' I felt intimidated. I signed a sheaf of papers and went home with the Toyota. 
The next day I saw in my paper packet, XXXX signed copies of a " Total Care '' package costing {$530.00}. I went back to dealer. They took {$18.00} a month off the three year lease payments when I wanted a two year lease as the TV had said. Oh, XXXX XXXX gave me XXXX copies of the Total Care package I had signed three times. I feel this was to intimidate. As if to say, " Do n't come back here complaining about this, you signed three times! ''
XXXXcollection agency collected from me a debt for XXXX, amt {$390.00} on XXXX/XXXX/2010 & reported to Transunion, Paid on XX/XX/XXXX.2010. Yet it is still reporting delinquent by Transunion for XXXX years. That has effected my credit in a bad way. 
Please correct. 
Thank you.
XX/XX/XXXX Returned Online ACH Payment Other XXXX XXXX. ... XXXX {$290.00} XX/XX/XXXX Returned Online ACH Payment Other XXXX XXXX. ... XXXX {$300.00} XX/XX/XXXX Security Deposit Applied Other XXXX XXXX. ... XXXX {$190.00} So, this Capital One Credit Card company decided that because of my ACH payments were returned twice, the company decided to close my account, I was simply trying to build my credit, and apparently having returned payments to a credit card company brings your credit score down, or so they say. Also I am complaining that the representative supervisor decided to hang up on me because she said I was being rude and not speaking at a professional level, well when Capital One Department decides to close your account behind your back without talking with you, and says they sent you a letter determining the reason of closing the account, why cant these guys be professional. I will never do business with them again,
My morgatage was paid with XXXX XXXX XXXX with a loan discharge and i did a motion to the court for summary judgment on XX/XX/2017 and the judge denied the motion seens the case is close but Fay Servicing keeps get in contact with and tell me they owned my property i disputed the debt with them seens is payoff and they have not paying attention to me about this disputed and keep calling me and harassing me about the debt and even reporting me to the credit bureau they 're not my lender and i do n't old any money to them and my credit score is being affected because of them please help me about this case because is very frustrating thanks sincerely XXXX.
About 2 months ago, I received a phone call from TG XXXX, stating that I owed a {$100000.00} student loan debt I did n't recognize. My name ( XXXX ) is similar to the borrower ( XXXX ), but the address and social security number do n't match the borrower. The rep I spoke with apologized and said they would take my name off the list. 

Today, my employer told me that they received an order / demand letter from TG XXXX directing them to garnish my wages due to this same unpaid bill. I convinced my employer not to garnish my wages because the social security number did n't match. I want TG XXXX to stop harassing my and my employer.
Hi. I have contacted XXXX, XXXX and Experian several times asking them to update my address to XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my credit reports.
This matter concerns " XXXX XXXX '' and " Diversified Consultants, Inc. '' XX/XX/XXXX, I terminated my cellphone contract with XXXX XXXX XXXX and switched over to XXXX. I carried out the process at a local XXXX store, under the guidance of an inept XXXX representative who did not complete the " contract buy out '' process correctly, and misrepresented that any remaining balance would be taken care of, as well. This resulted in my owing substantial fee 's relating unsatisfied cellphone financing. 

The problem is that XXXX XXXX XXXX never reached out to me during the last ten months to inform me that I owed them money. They did not use any medium, whatsoever - neither telephone, text message, email, nor physical mail. Nothing. By chance, I decided to check my credit report because I am in the process of seeking a new apartment. Suddenly, there was a derogatory mark showing {$850.00} in collections, posted by Diversified Consultants, Inc., originating from XXXX XXXX XXXX. I called XXXX XXXX XXXX to find out about the source of this debt, as I was totally clueless. XXXX XXXX XXXX informed me that it related to the phone financing balance when I terminated my relationship. They also informed me that the account was transferred to Diversified in XXXX XXXX. I was receiving calls from a mysterious number, but whenever I answered the phone and said " hello '' multiple times - at least 6 or 7 times - no one was on the other end of the line. Therefore, I assumed that it was either a scam caller, a sales call, some sort of political canvasser, or maybe an ex-boyfriend. I honestly had no reason to know that I owed money to anyone, and due to this company 's bizarre delay in coming onto the line, I was still unable to recognize that I owed AT & T anything. 

I corresponded with the XXXX Contract Buy Out Department and they agreed to send me XXXX cards to pay the financing charges, despite the lapse in time. The headache is that Diversified told me that they will only mark the account as satisfied and will not remove the notation. XXXX XXXX XXXX also has a laissez-faire attitude about screwing up my credit. I previously had a XXXX credit score, and because of the incompetence of these totally irresponsible and unprofessional institutions, I have to bear the brunt. This is absolutely disgusting. I work so hard at being a financially responsible millennial, and the odds are, apparently, stacked against me. I can do everything right, pay everyone on time, pay them more than the minimum, and a big institution can just randomly take a dump on my reputation. Now when I apply to apartments, my candidacy will be compromised by the negligence of others. I have no problem with being held accountable for my own choices, but it is so appalling that I should be penalized over the mistake and oversight of others. 

In conclusion, I would like to know if there is anyway that I can have this notation EXPUNGED from my report after I receive my XXXX cards ( in 15 days ) and satisfy the balance. 

Thank you.
Citi card services has been constantly calling me on a Saturday afternoon ( more than XXXX times daily ), to collect a late payment ( only a XXXX late ). It is not reasonable to call this often, when a single message would be sufficient, especially considering it 's an account in good standing and only this XXXX payment has been late. Number being called from : XXXX
Wells Fargo Bank as the wrong social security number listed on my Wells Fargo XXXX XXXX credit card account. XXXX isnt my correct social number. My correct social security number and date of birth is : SSN : XXXX DOB : XX/XX/XXXX
A company " ERC '' leaves automated phone message that this an attempt to collect a debt. They do not ask for anyone by name, nor do they say to whom the " debt '' is supposedly owed. We are current with all bills, own our home, owe nothing to no one, and refuse to call the number and report our case number left on the message, so that we do not give them any encouragement. This annoyance call comes in on our home phone over and over, and we 'd like to stop this repetitive call for a bogus debt. Please tell them to stop calling our number. They call from XXXX. How can we block them from bothering us? Thank you.
ProCollect is attempting to collect {$1100.00} for a " supposed '' debt from XXXX XXXX XXXX. My husband, XXXX XXXX, and I were both on the lease and on XXXX/XXXX/XXXX we were given a standard travel order to XXXX. We notified the apartment the apartment complex and were told everything was in order when we did the walk through. 

I was not aware this was an issue until we had our credit pulled in order to purchase a home and come to find out this is on our report. I sent the transfer duty to the credit bureaus and to Pro-Collect on XXXX/XXXX/XXXX. They never responded to my dispute so on XXXX/XXXX/XXXX I called them and was advised I could only communicate via email to XXXXXXXXXXXX by a XXXX XXXX and a XXXX XXXX. 

I contacted XXXX and XXXX advised me they received my documentation however I never received a response from them. They stated they responded on or around XXXX XXXX, XXXX and the evidence I submitted was not " suffecient. ''