WillisBack/dataset-financial-user-claim huggingface dataset:
The principal balance on my mortgage was more than what it should have been by XXXX dollars. I had to take XXXX customer service agents through all of the payments - and still they would not agree to change the principal balance. Now the process has been forwarded to the executive office, where i am hoping that this issue will be addressed. 
If this happened to me - then it could be happening to millions of folks. Mortgage accounting is deliberately made complicated so that people wont be able to understand. This needs to be fixed.
hello, on XXXX XXXX, 2016 I received a call from XXXX at XXXX XXXX XXXX time. The caller advised they were a XXXX XXXX XXXX representative and were trying to collect a debt in the amount of {$820.00} for a unreturned cable box. The caller was unable to provide any account information in reference to the time warner cable bill she was trying to collect for so I requested to dispute the amount/bill. 

I then called the XXXX XXXX XXXX XXXX Customer Service number to speak with a representative in regards to the amount due. I provided XXXX XXXX XXXX with all my personal information needed to access an account and the XXXX XXXX Representative had absolutely no record of an account. 

I called XXXX to discuss the questionable amount due since XXXX Customer service has no record of an account. The company recording advised it was ERC, a debt collecting agency. Why did they misrepresent themselves as a XXXX representative on the first call XXXX/XXXX/2016? The ERC representative was unable to provide any verification for the bill/amount and advised it needs to be paid. I advised them XXXX has NO RECORD of an account your claiming is past due. The representative then placed me on hold and provided me with the XXXX XXXX XXXX Fraud Dept Number and advised me to contact them to dispute the matter. So I contacted the XXXX fraud Dept and was told there is nothing they can do since there is no account to access or investigate. 

I called ERC, again who posed as XXXX in the initial call made XXXX/XXXX/2016, and advised them of the issue. They were still unable to provide any form verification of the debt and advised they do not have any original information for the debt, just the amount. I 've requested ERC provide the audio/media from the initial call received XXXX/XXXX/2016, stating they are from XXXX. At which point, the representative hung up. I 've called them numerous times requesting more information for the debt they are claiming I owe and have been addressed in a VERY unprofessional manor and hung up on. 

Please assist as this has affected my credit report and ERC is unwilling and unable to provide any verification of the amount they are stating I owe.
Ive tried several of times to reach out to this company in regards to this inaccurate item being reported to my credit and its causing great damage, emotional stress and financial stress. This item was taken care of with the original creditor by my insurance company, and for whatever reason it was sold to this third party collection agency, when I called to inquire about this item, the agent I spoke with was very rude, and violated my rights as a consumer by not verifying my information nor stating the mini XXXX. At this point I am reaching out to an attorney to file a lawsuit against this company for the damages theyve done to my credit. If we cant work this out outside of court I will be pursuing further.
I received an initial written letter via mail regarding a debt I owe from XXXX, XXXX, and XXXX dated XX/XX/XXXX. This letter did not include the amount of debt I owe and only included a payment agreement, which I made over the phone. The letter states that I " have agreed to make monthly payments of {$500.00} with the first payment of {$1000.00} due by XX/XX/XXXX and a payment of {$500.00} due by the XX/XX/XXXXof each month following, until the balance owed is paid in full. Please note that 9 % interest does continue to accrue ''. I did not receive written verification of what the amount owed is, or how the interest is calculated. With the lack of written confirmation of exactly what I owe and how many payments of {$500.00} it will take to pay this debt off. I am concerned they have left this open-ended and have neglected to verify my payment plan with respect to how/when my balance will be paid in full, or what my starting balance is to begin with.I spoke with a representative about my concerns on XX/XX/XXXX.
At XXXX XXXX!!!!!!!! Nationwide Recovery services called. When I complained that it was XXXX the lady tried to argue with me telling me it was XXXX. I explained I live in XXXX XXXX, that is a XXXX XXXX number she continued to argue. I asked for a supervisor. 
When I asked for the supervisor XXXX said they never even called me. He was rude argumentative and tried to even say they never had record of my phone number.
Setereus took over servicing my mortgage from XXXX on XX/XX/2014. I was in arrears, its was a rental, had to evict tenant again, do n't make nearly the money I used too. Decided to sell instead of renting again. Took XXXX mos to get a contract. Throughout Seterus kept telling me the principal balance was {$52000.00}. I based sales price on this. Had received several offers of $ XXXX & $ XXXX. Seterus was willing to accept, but I was n't. Requested payoff figure, knew it would be a little more. It was {$5400.00} more, finally amount was {$5600.00} more. Almost could not close because the payoff figure was so high and still needed to pay real estate commission. I wrote Seterus as they instructed, also called once per week. Had XXXX questions, never answered. And had to pay extra taxes because Seterus refused to deduct it from their payoff figure ; taxes were paid by closing attorney which is standard in real estate closings.
Between XX/XX/18 - XX/XX/18, I was in a physical altercation with my past roommates, and it resulted into me leaving all of my belongings ( phone, wallet, etc ) inside the house. I had to move back in with my mom and stepdad, and it took me a while to get back on my feet and I was extremely overwhelmed with a lot of things going on in my life. It was between XX/XX/18 - XX/XX/18 when my mom bought me a new phone and I was able to check my bank accounts, and I ended up having to file a claim after seeing {$170.00} missing from my account, putting my account in the negatives. I talked to someone in the fraud department and within 1-2 days they were able to refund my money. 

Due to me having multiple issues with Bank of America, I had made it my duty to close my account. I talked to a woman in the bank, located in XXXX, XXXX, and she notified me that Im not able to close my account until my account no longer has money so she walked me over to a Teller and I was able to withdraw the remainder of my money out of my account. She assured me that my account was closed, and I made a note to myself to open a new account with a different bank. But, I was still receiving emails regarding my account having overdraft fees taken out of it, making my account - {$260.00}, if not less. I was assured that the woman had closed my account and was extremely distraught that I was this much in debt when she had told me my account was closed. And now, I get an email saying my claim was valid and theyre reversing the refund, putting my account nearly - {$500.00} in the hole. Im now taking care of my Grandmother, and just have so much on my plate. I thought BoA wouldve completed my claim, and Im not sure why they denied my claim when I was robbed AND I had been told my account was closed, only to get a mountain of overdraft protection fees back to back to back. 

Please help me.
I have credit reports from Experian that show incorect information disputed and they did nothing did it by phone mail and online they said nothing and gave me nothing I have XXXX to XXXX on all credit scores Experian with no bad credit just great credit for open and paid off accounts and they are lieing to people I am getting credit reports saying I have a XXXX credit score when I just got a home loan they said I had higher then that so Have proof of them giving fraud information to companeys and the score with them has been XXXX for 15 years never changed I have proof of that as well
I have been a customer of Wells Fargo for over 15 years. Wells Fargo has consistently approved debit card transactions and transfers on my account and then charged me overdraft fees after the fact. This is not a one or two-time occurrence ; it happens consistently. They will make sure to process transactions in an order that assures that you will get charged as many overdraft fees as possible.
I applied for Income Based Repayment with AES for the 8th year in a row, and they did not apply it to my account. They have now capitalized the interest and sent me a past due notice. They are doing this so they can capitalize the interest which was pending due to my IBR status, then they can charge more interest due to the increase in the principle. I applied for IBR well within the time frame to prevent the capitalization event. They are doing this to get around the IBR rules and is Fraud! They tried to do this last year and I corrected the error then, but this is a course of business and has happened to several of my friends. This needs to stop, and is contrary to the law!
CAPITAL ONE AUTO FINANCE # XXXX Claims I owe them for a car I never signed for. My daughter bought this car and I did not co-sign or sign my name to anything in reguards to that vehicle. It would be impossable for them to produce any paperwork that correctly matches my signature. I am requesting this account to be removed from ALL XXXX reporting agencies A.S.A.P.
This card was paid off in XX/XX/2014 and then someone used it and made fraudulent charges on it then defaulted on it I am part of the XXXX data breach.i am not responsible for this.
Niece took out loan with Castle Payday loans in Michigan in my name. Loan was for {$800.00} with {$280.00} interest. She did n't tell me when the XXXX payment was due, so I did not put money in her checking account to pay it. But then I got an email from the bank saying that Castle Payday tried to take the money out. So after this, I tried to talk to Castle Payday to make a payment but they would n't tell me anything because I did n't know what email address my niece used, and she could n't remember which XXXX she used. This was after I provided my name, social security number, DOB and address and they still would n't talk to me. So after this I made sure that I had money in the account each time a payment was due. XXXX payments of {$280.00} each were made to Castle Payday, for a total of {$1100.00}, which was more than the total of {$1000.00} which it supposed to have been. My niece finally remembered which email address she used, and I was finally able to talk to them. They told me that all the payments I made were for interest, and that I still owed {$1300.00}. That makes a total of {$2500.00} for a {$800.00} loan. I find this to be totally ridiculous, and they should have talked to me initially after I gave them my name, social, DOB, and address. This company needs to have action taken against them.
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class  action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus
My Loan APR was 763.16 % on an {$800.00} loan.
I disputed this a number of times, directly with the debt collector and XXXX. I can not get even a basic statement of my account prior to the sale to XXXX XXXX XXXX from the original lender, nevermind any of the other things requested. 

The dispute is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, via XXXX XXXX, and XXXX. The latest dispute with XXXX was dispute XXXX opened via XXXX XXXX on XXXX XXXX and disputed again on the XXXX of XXXX. The amount in question being {$1000.00}. The date and amount are in dispute. I would like to bring your attention to the following : a ) The amount that XXXX is attempting to recover is not correct. I specifically requested proof of the transactions from XXXX  including the amounts that constitute this debt and the interest that was charged. No proof was provided by XXXX ; b ) The dates of the transactions and therefore the age of the debt. I specifically requested proof of the dates that XXXX asserts these transactions occurred, and when any payments were made. No proof was provided by XXXX. 
c ) I specifically requested proof of ownership of the debt from XXXX and that they were the final holder of this debt. No proof was provided by XXXX. 
d ) I specifically requested a copy of the signed legal contract that this debt was originated under. No legally binding contract was provided by XXXX. 
e ) XXXX themselves state in their response to me the seller provided an electronic file of its business records, while providing no further evidence.
Dear XXXX, Trans Union, and XXXX! ( Including all other Credit Bureaus known and unknown ) Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! Protraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of 10 Billion Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company has continued too injured Consumers daily as your Systems are primitive in Nature!!
I had fall behind on my payments and I file bankruptcy and for Illinois hardest hits program Illinois hardest hits reinstatement my loan and I contact bankruptcy court to inform them I contacted Illinois state attorney because I over played wells Fargo is now claiming they don't know what happened to money.they have been with information since XX/XX/XXXX can they be dismantled they said to states attorney pay XX/XX/XXXX and XX/XX/XXXX and they will refund {$6600.00} not but they refund the two payments. 
XXXX XXXX
Sun trust bank put a one week hold on a deposit I made on XXXX XXXX, 2016. I have document proof that each of the XXXX checks that made up the deposit were cashed at the respective banks on XXXX XXXX, 2016. Talked with a supervisor on XXXX XXXX, 2016 and was told they would release the money on the next day. They did not and they refuse to explain why the hold is still in place. Statement says the hold will release on XX/XX/2016. This is wrong!
Hello, my name is XXXX XXXX and I have been working on my credit now for the last several months to buy a home, I want to first say thank you for having a place for people like myself to come to if we have problems and don't know what else to do. 

The courts put my home on the market after my divorce and so I've been working hard to rebuild my credit, with doing things like paid off all medical bills, having old accounts removed, made all my student loan and car loan payments on time for the last XXXX years. my score has gone up almost XXXX pts., which I have been so happy about. 
I wrote yall back in XX/XX/XXXX about XXXX XXXX removing a late payment, that was not late. I didn't get very far at the time because I failed to follow through with giving them the exact day, after having taken time to review the last year of payments, I was able to find the mistake, I contacted them and they opened a case for me on it, I'm pleased to say XXXX XXXX was very willing to give me a letter to show that they did indeed report for XX/XX/2018 as an on-time payment. I'm so grateful she took the time to fax my loan XXXX the letter. I've reached out to the credit reporting company several times to get it removed and the loan XXXX faxed them the letter also but no luck so far. 

The courts have him paying our XXXX a month house payment and his family isn't happy about it, It's been over a year so I don't blame them. I go to court on the XXXX of this month and was hoping to have this corrected before then so my loan could be approved. 

My ex-hired one of the number XXXX XXXX consulting firms in the world! 

They have much to my surprise accessed many of the medical records and have done things like call to have me pay over the phone for medical bills that shouldn't have existed but they would say that its a collections company and I was afraid it would go on my credit and so I would pay it, well after getting so many I started to make notes of accounts and get them to give me the information on my file, I then began to realize it was the same people and bills, yes! some of the same ones asking me to pay them again. it's important that I stay focused on my kids future and move on rebuilding a life we love but until our loan is approved it's very difficult to do.
mrs associates, ph ( XXXX ) XXXX continues calling my number which is ( XXXX ) XXXX in an attempt to contact a family member. These are unwanted phone calls, and I hang up before the recording can finish. I am on the " do not call list '' and for privacy have an unlisted number.
the issue is this, the reporting agency has put tickets on my credit report base on what Ihave found out. they pass a law that can not put tickets on your credit report. I would like them remove. if they are not suppose to be on there and they are breaking the law.
I want Full Validation on my student loans. I want to know how much is owed, where was the money applied to and why are there extra charges added.
American Express made an unauthorized withdrawal ( ACH ) from my bank account, without any excuse why it occurred.
The company Pro Collect has been calling my # for over a year daily sometimes XXXX times. I 've spoken with them XXXX times to explain I am not XXXX XXXX I do n't know her. They continue to call.
I am filing a formal complaint against XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, IL XXXX. This company is attempting to collect a debt that I do not owe. XXXX is falsely accusing me of not fulfilling a contractual obligation with SPOTLOAN ( PAYDAY LOAN ). I have never heard of this entity and have not done any business with neither the debt collection agency nor the creditor. 
I am not sure how this entity has obtained my information but I can assure that I have never applied for a payday loan.
Commonwealth Financial Systems is trying to collect a debt from me that I believe to be invalid. I have done research to see if this is a valid debt and there is no evidence that it is a legitimate debt. When I spoke with someone with the company and asked for proof of the debt, I was told that I needed to show them proof that the there isn't a debt.

I also researched Commonwealth Financial Systems and XXXX XXXX XXXX, who is supposedly the " creditor '', and there are tons of reviews on XXXX where people are making similar complaints about both companies. There are also numerous complaints on file with the XXXX. 

Commonwealth Financial Systems has dinged my credit report and my score was lowered by 40 points! As a result, today I submitted disputes with each of the three credit bureaus and I am also putting in a complaint here. I've been diligent about paying my bills and getting my credit in good standing and it is very upsetting to me to have this company come out of nowhere claiming that I need to pay a debt that is over 5 years old AND I haven't received any correspondence until last month! This alleged debt is from XX/XX/2013! I believe this company is not an ethical company and needs to be investigated and stopped from scamming others by holding them at the mercy of their credit reports.
I was solicited by XXXX XXXX to open a VISA credit card by enticing me with a {$100.00} credit if I charged a certain amount within 90 days of opening the card. They solicited me directly through the mail as well as through my relationship with Fidelity. I applied for the card in XX/XX/XXXX or XX/XX/2018. I was approved. My first charge on the card was XX/XX/2018.  I have used the card extensively to meet the spending goal to receive the {$100.00} credit. 

I called them in early XX/XX/2018 to find out when I'd get my {$100.00} credit. They said I was not enrolled in promotion. They said I would have to send evidence that I was solicited. I sent a copy of solicitation in mail with a letter dated XX/XX/2018 to XXXX XXXX. I received a reply dated XX/XX/2018 saying they would review the account over the first 120 days to determine if offer could be applied. This confused me. 

I called them back on XX/XX/2018 and spoke to several people ( over one hour of my time ) and they all said they would not honor the promotion. This is fraudulent advertising. They said I didn't enter a code for the promotion when I applied online, therefore they would not honor the code. They even claimed their hands were tied because of Federal regulations and CFPB. I explained that the CFPB was not established to protect them, but to protect consumers like me from exactly this sort of behavior by unscrupulous consumer financial companies. 

Since XX/XX/2018 I have been solicited again through my Fidelity online account for the exact same {$100.00} credit offer. I went through XXXX XXXX 's online link for the offer just to repeat the process and see where the mysterious code should have been entered. The online application for this Credit Card had no place to enter such a code. I didn't complete this second, test application because I was simply trying to see where I might have gone wrong the first time. I am convinced that their online link to the promotional offer is set up to cause the consumer applicant to somehow apply for the card without getting the offer. 

The exact same thing happened to my son who applied for this credit card over the summer. 

I would like to get the {$100.00} credit, because that is why I applied for the card. My son should also be given the {$100.00} credit because he was directly solicited just like me and they refused to acknowledge his participation in the promotion.