WillisBack/dataset-financial-user-claim huggingface dataset:
This is a second complaint filed -- the initial complaint resulted in the bank rescinding the original foreclosure. We discussed the payment required to enter into a forbearance agreement. The original amount discussed was significantly lower -- the amount that was offered by the bank was eventually much higher and the funds were not available to make such a payment. We agreed to sell the family home after making certain renovations : those renovations ( about 80 % ) were made at a cost of over {$40000.00}. We began listing the house a short while ago. It was our understanding that the bank would give us the time to try and sell the house at a reasonable valuation. The listing price was almost XXXX % below the tax appraised value -- I think it showed we were serious about selling the home as quickly as possible. A great deal of work went into the staging and removal of most personal items to a storage center. 

We were scheduled for a realtor open house last weekend when a stranger knocked at our door saying the property was listed in the paper for foreclosure just a a little over a week away and wanted us to retain him to fight the bank -- we declined. A couple of days later a letter arrived from the Bank 's law firm saying the foreclosure was re-instated and scheduled for XX/XX/XXXX. The bank officials with whom we had discussed the forbearance, etc.had out emails and telephone numbers -- they made no attempt to contact us an alert us they were moving in this direction. We in good faith made several investment renovations decisions in the prior week, including purchasing new counter tops and appliances for the kitchen and replacement windows. It appears that this investment has been for nothing and we will lose these money. The auction will only bring an amount close to the banks loan/lien and we will see $ XXXX - $ XXXX of equity disappear. 

Given our willingness to list and sell the house at a discount, I think it would only have been right for the bank to provide this time. Also they should have communicated sooner that they were moving forward with the foreclosure so we could have stopped investing in renovations to the home.
We have sent documents over numerous times that have required updating or new documents. We have saved money the sum of {$10000.00} to help reduce the amount we owe. We are very capable of making the payments on our house but the attorney fees and all the fees that have been added on have skyrocketed what we owe in order to catch up on the loan itself. 

They are telling us that we must pay all of it that totals over {$23000.00} when our loan to catch up is only about {$11000.00}.
A judgement was issued against me in the amount of {$9400.00}. 
I made contact with the debt collection company and came to a payment agreement of {$200.00} per month. To date I have paid {$1200.00} and have records of all checks. They indicate that my balance is now {$8900.00}. This implies that they have put {$480.00} toward the debt. I have documentation including bank records and receipts from the collector from all payments. The initial agreement nor the court documents make any mention of interest or anything similar, especially at a percentage rate that seems to work out to over 50 %.
I noticed this morning XXXX things came out of my account earlier than I was expecting. I was unable to get to the ATM until XXXX. I called to see if I would still be charged and was told I was 21 minutes past the cutoff. I have an ATM receipt that clearly shows nothing has even been withdrawn so the items are still pending. They have n't charged the fees yet but I 'm sure they will. Especially after the agent told me. I 'm getting my tax return check in the mail this week and I 'm definitely taking my account to another bank. I have had way too many problems with this one.
my mortgage account with XXXX Mortgage shows as not current for over a XXXX when the account has been on automatic withdraw from my checking account
I recently visited a NetSpend load location to put an amount on my debit XXXX. I was asked to provide an ID and my Social Security number. I refused. The clerk working at load location, a check cashing business, told me all NetSpend customers had to submit verifying documentation to register their card. I asked to see proof, the check showed me an internal memo that made reference to NetSpend customers with 'generic ' cards only. But this was beside the whole point. NetSpend agents, I felt, are not and should not be allowed or entrusted to collect and handle sensitive customer personal information. Especially since NetSpend 's policy is to protect its customers from fraud and identity theft. This practice, if allowed to continue unchecked, does the exact opposite, creates an entryway for customer information to be stolen and used by others, and could even pose some risk to national security. I recommend that this practice be stopped immediatedly.
XXXX XXXX XXXX is telephoning me on a daily basics, I do not have an outstanding " Debt '' with any one. Several of my friends are also receiving the telephone calls, I want them to stop Harassing me. Telephone number:XXXX ext XXXX. 

Thank you in advance for your help.
I am disputing the terms, balance, and amount owed on my Navient student loan account. It appears they may have front loaded interest payments. Creating a problem for my principal to be reduced each month I 've been making payments. Loan seems to her higher each month instead of going down.it appears they 've shifted loan interest instead of principal. These a ruins were willful, intentional, and taken in bad faith. I am asking for accurate verification of debit, balance, interest and principal due on my loans.
As of XX/XX/2019 Payment due for Sears Credit Card, I had following two outstanding balances : Promo # 1. $ XXXX/- 0 % APR Expiring on XX/XX/2019 Promo # 2. $  XXXX/- 0 % APR Expiring on XX/XX/2019 ( Which includes $ XXXX/- as Balance Transfer fee also on 0 % APR ) I spoke with Sears Customer Service over the phone and confirmed that If I send the payment of $ XXXX/- on XX/XX/2019 it will be applied to completely satisfy the balance of Promo # 1 and wipeout the balance expiring on XX/XX/2019. 

But when I send the payment of $ XXXX/- on XX/XX/2019, it was instead applied partially ( $ XXXX/- ) on Promo # 1 and {$140.00} from this payment to clear the {$140.00} ( balance transfer fee ) which is part of of Promo # 2 and on 0 % APR till XX/XX/2019. 

I would like to complain : 1. Why did the payment was not applied fully to clear the balance on Promo expiring soon?

2. Why did the Sears Customer Service confirmed me incorrectly that the payment would be applied to clear the balance first but failed to conduct same. 
3. It is clearly violation of consumer right to apply the payment on early expiring balance first.
borrower requested short sale approval for XXXX lien with Navy Federal Credit Union and can not get response since XXXX/XXXX/15. when I spoke to XXXX of the NFCU loss mitigation reps I was told that they would not accept the XXXX offered for the settlement and would pursue the borrower XXXX for the deficiency, and that their normal business practice is to wait until the XXXX trust approval is close to expiration hoping that agents and buyers will become frantic and pay them more than the initial offering. this particular sale is a VA compromise sale and the XXXX lien holder was offering them XXXX the buyer has offered some and I have offered commission to get them XXXX and we can not get a decision.
I get a call from XXXX all the time. If I answer, theres nobody there. If I dont answer, they dont leave a message. I did find out its from some company called RMS. Some debt collector  I guess. Ive been in chapter XXXX for a couple years now. Id love to get them in hot water! Theyre not allowed to try and collect any debt from me!
I have held various American Express credit cards for well over 20 years. Part of that included a Gold card, a Platinum card, and now an Optima card. I always pay my bill on time and always pay more than the required amount. Twice, at least, I have applied for a credit line increase from XXXX to XXXX dollars and I get declined. It 's always for a different reason, but I 'm frustrated at trying to improve my credit report and American Express account - but nothing seems to help. Although I do n't have the financial standing I once did, I still deserve some courtesy and recognition that my account and the way I handle it is greatly improved. I 've never been late, never over the limit, and always pay more than the minimum. Can you help?
On XX/XX/2018 I checked my credit report to find that a company named Commonwealth Financial had added an account to my credit file claiming that I owe them {$940.00} on XX/XX/2018. I have never had an account with this company and I am very upset that these people can just added a debt to someone's credit files unknowingly! I have never received anything from this company and do not know anything about them. It should be illegal for someone to just add an account to someone to get money that you don't owe them!!! My score has dropped almost 70 points because of this company!! I am in the process of making a major purchase soon and these people have caused my score to drop like this when I don't owe them a dime!! This is ridiculous and is just another way to keep a person from ever having good credit! I had nothing negative in my credit files until these people added this fraudulent account! Can you please help me with this??
I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$200.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.
Spoke to numerous representatives in which I set up payoff amount early so my loan could be paid in full & not be reported 30/60 days late. They stated numerous times the membership was late but my loan wasnt & my credit report would not be affected. They lied. My report has listed 60days late in XX/XX/XXXX when the loan was paid off in XX/XX/XXXX. Also they refused to let me pay loan with another checking account which belonged to me. They refused to look into this matter when I reached out to them. They stated file a dispute
I was promised by several representatives from Ally Financial Auto Loan Department that they were able to remove late payments from Ally Financial. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the representative that I spoke to name is XXXX on XX/XX/2018, reference # : XXXX.
My name is XXXX XXXX XXXX, I open a credit card with bank of america a while back. The term and condition of the credit card is zero interest for a certain period of time, ( I think it was 18 months no interest though the duration is not relevant in this discussion since this is about fraudulent charges by the bank ) as well as no annual fee. About a year ago, I was charged an annual fee by bank of america against the term and condition of their own credit card sign up, then afterward, when I have a balance of XXXX on my credit card account because I pay off all my balance. Bank of america automatically charge me an automatic payment of {$25.00} when I do not owe them any money ( which actually result in a negative balance in a credit card showing the bank basically steal my money ) and then they wrongfully charge me a non process able fee because they could not fraudulently steal my money with wrongful charges. These problem are still not resolved, but due to so many criminal and unlawful action on my credit card account by bank of america, the very company issued the credit card, I tried to close my account. Bank of america refused to let me closed my account at first, while continue placing fraudulent charges on my account. When I finally able to close my account with bank of america, they report a negative remark on my credit report for not paying them for a balance created by their fraudulent charges on my account which affect my credit score.
I had an account with Wells Fargo that I had asked to be closed due to fraudulent activity on the account. Wells Fargo agreed to close the account, yet never did. I called several times, and even went into the branch where the banker was supposed to close the account and was told at least twice they would close it and still ... they never did. After a while a reoccurring charge on the account came through and I was charged over {$100.00} in overdraft fees. The bank never paid out the charges, and still wanted me to pay over {$100.00} back to them. I explained multiple times that if they would have closed the account like they said they had the multiple times I had asked, then there would not be an overdraft to pay at all. After over 6 months of going back and forth, they agreed to pay {$42.00} and said that I would still be responsibility for {$60.00}. Mind you, they want me to now pay {$60.00} to the bank for money they never paid out on my behalf - all because the account was never closed the multiple times I asked for it to be closed and the multiple times I had been told by bankers that they were closing it.
XXXX XXXX has erroneously place a 30 day late payment due on my account for the month of XX/XX/XXXX. I leased the vehicle from XX/XX/XXXX and the lease ended in XX/XX/XXXX in which I made all contractual lease payments on time. My lease payments were made in full. At the end of the lease there was a balance of approximately {$4100.00} unknowingly due to mileage. I was not able to pay off the balance however I have been paying the arranged amount of XXXX per month which is indicated on the call and check I sent in ( see picture attached ). I have been sending this payment in monthly. XXXX XXXX is misrepresenting me as late on my lease payment of {$610.00} per month which is not true.
I received an alert on my credit report that I have an account placed in collections. It said for AR Resources. It says it was opened on XX/XX/2017 yet I received absolutely no communication from this company about this alleged debt giving me no time to dispute the validity of it or even pay before it hit my credit report if it was in fact valid. Under the fair credit act I am allowed 30 days upon receipt of a collections letter to dispute but with no communication from the collector how was I able to dispute? My rights were not given to me and clearly violated.
Wakefeild and Associates is illegally charging interest on ER visits and claims that they have every right to do so. The refuse to make any settlement on the original debt and stated that the debt was not sold. The hospital specifically stated that the debt was sold and that no interest should be charged. 

I did offer to pay the full balance if the collection agency would send a letter stating they would report the balance as paid in full. They refused, stating that they will only send letters after the payment is collected. This is a bold faced lie. I talked with XXXX who refused to give a last name. 

I have been a debt collector for the last 7 years and know that the statements he made about interest, settlements and letters were all illegal and false
for the 5th time i am trying to get this matter validated. i sent a validation debt letter to all XXXX credit bureau, for the {$2900.00} debt by XXXX the debt was and is not validated but yet remains on my credit report. this validation was received by the bureau in XX/XX/2016 and i am still awaiting the validation
The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  XXXX   XXXX   XXXX   to pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it a s Paid,  was a charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In Experian report, it is stated a s FP ( Fail to Pay ) as  of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to Experian.   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced b y credit score b y  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason Experian took such action was because I express dissatisfaction with how Experian was handing my credit investigation with  XXXX   XXXX   XXXX  . The Experian are punishing consumer who exercise there right to ask for fair credit report treatment
Violation of Section 392.101 of Texas Finance Code which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.303 UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( 2 ) collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.
For the past two years, I 've been trying to resolve a payment issue with Green Tree Servicing LLC. Green Tree continues to state that I 'm past due when I made good faith attempts to research the payment in question and made payment arrangements. Green Tree does not acknowledge the fact that payments were received and credited as a result of the payment arrangement. In addition, I was advised to send a specific amount that was past due. A certified letter was sent XXXX XXXX, 2014 and the past due amount of {$840.00} was sent to bring the account to a current status. I thought it was resolved and current based on the information provided only to receive additional letters stating that the account is past due. How is that accurate when a bank representative sent a letter with the amount that was due? I do not want to be held responsible for a banking error or mistake. Green Tree should acknowledge it, be responsible and held accountable. Also, Green Tree felt it was necessary to refer to all the correspondence sent between the XXXX of us and re-read them as they continue to stand by their responses. I noticed that I had a copy of another Customer 's letter in my packet. I have the customer 's name, address, phone, account number, email addresses, and nature of their inquiry. I think this is a private and sensitive matter. The careless act of including another customer 's correspondence is a serious matter that requires immediate attention as I continue to question Green Tree 's data integrity and commitment to quality service.
I have tried several times to resolve this issue. I have disputed with the credit bureaus and sent multiple debt validation letters to Cavalry and I have yet to receive any validation of this debt. I have filed a dispute with the XXXX and this company mainly keeps stating the same information but has yet to provide me with anything. 

I don't know any other way to resolve this. I have attached the only thing I have EVER gotten from Calvary Portfolio. I received this in the mail the end of XXXX and onXX/XX/XXXXrequested debt validation -- - anything to prove the debt was mine. I never received anything even after 30 days. On XX/XX/XXXX I sent another request. During this time I also disputed with the credit reporting agencies. Again I never received anything additional in the mail other that what I have attached and that was my first communication from this company. Then on XXXX I filed a compliant against Calvary Portfolio Services with the XXXX and still never received any validation or any additional information from Calvary Portfolio Services. Since then Calvary has responded on numerous occasions that they have validated this debt. How was it validated? I have yet to receive anything. They state that it was mailed to the correct address as it was not returned.. again I have only received the one notice from Calvary Portfolio Services and that was on XX/XX/XXXX and there is a copy attached. The mailing address that I mailed the validation request to was the same one on the settlement offer that I have attached. That address is XXXX XXXX XXXX XXXX, NY XXXX. I have no reason to lie and state that I have not received any additional notifications or validations. According the the FCRA I have the right to receive validation of this debt within 30 days of request. Since Calvary stated that they acquired or purchased this debt in XX/XX/XXXXand I received a settlement notice XX/XX/XXXX and I had requested validation of debt XX/XX/XXXX due to it reporting on my credit report then I believe that I was within the 30 days of initial notification even though it was just a settlement offer. I have lived at this address for years and there is no reason it would have gotten mistakenly placed somewhere else. I have kept good records of my steps that I have taken. I also believe that the last 3 responses that were mainly just repeating themselves or saying this has already been validated is not appropriate at this time and with the circumstances the way that they are. I have seen no proof that you have validated this account or even made an attempt to contact me or to rectify this situation.

I am attaching the only thing that I as of today have received from Cavalry and I have also attached Cavalry 's reply to my XXXX  complaint which still does not show that information has been provided to me to verify and/or validate that this is my debt. Again, I have only received this one letter which is a settlement agreement from Cavalry.
there is a XXXX XXXX XXXX on the report which i have no clue of, I do n't recall any type of settlement,
Experian mishandled my information, which puts me and many others at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.