WillisBack/dataset-financial-user-claim huggingface dataset:
This is my XXXX complaint against US Bank. Every time I do, they send a letter stating I am not authorized, yet every time I call in, they acknowledge that my auth is in. This time I am attaching my conversation log notes so you can see that I spoke to them on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and today. Today was the worst, XXXX said that the negotiator had been leaving me messages. I told her I had received no calls or messages. When I attempted to see what number they were calling, she refused to help me and hung up. I am TIRED of their rudeness. I left yet another message for XXXX the negotiator, I have NEVER received a return call from him.
This company has been very aggressive and have threatened to take legal action with lawyers including garnishing my wages, they gave me recently a deferment that I did not request, I called them last week to scheduled XXXX month over the phone and they wanted to charge me a fee to take my pay over the phone, I said that I will mail it them because I do n't want to pay more fees, they got mad at me and start threatening me again because they have already given me a deferment and I had to pay over the phone, I already put the check in the mail but my phone wo n't stop ringing. They can sometimes more than XXXX times during the day. This has happened many times, and even though we have been late with some of the payments, it 's my intention to pay, I have never denied payment, these people are very aggressive and rude and they and they have to stop
My score dropped 67 points. I contacted Transunion rep unable to explain why. No changes to my credit. Other companies score did not drop. They has to be a system error with Transunion.
My Credit report with transunion shows enquiries that i did not authorize & must be deleted as these enquiries were not authorized by me. 

1. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MD XXXX ON XX/XX/2018 2. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, NJ XXXX ON XX/XX/2018 3. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ON XX/XX/2018
I have asked Guardian Capital Management to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
My problem began around XXXX when I was looking to purchase a XXXX XXXX XXXX online. I saw one on XXXX. I saw the option of using Bill Me Later to pay. I have used it before always paying on time. I did n't owe them any money. With Bill Me Later I would have the option of delaying payment for up to XXXX months. Around XXXX to early XXXX I decided that I would just pay it off. When I went to the Bill Me Later site it said that it was now PayPal Credit. When I tried to log in I saw my daughters name. 
I thought that somehow they merged our accounts together. I asked my daughter to get in touch with them so that I could pay the bill. Under Bill Me Later I would have untilXXXX to pay. When my daughter finally called PayPal Credit they said that my Social Security number was on her account so I would have to call. 
I called and they said that I owed for the XXXX XXXX plus approx. {$150.00} in late fees. I never received any notice until now. I am still totally confused and not sure what happened. 
I tried to work it out with them but they are not hearing it. My daughters account comes up when I try to log in to pay. 

Fact 1. I tried to pay it off early but Bill Me Later changed to PayPal Credit. When I tried to log in my daughters name came up. 
Fact 2. When my daughter called they said that her account has my SSN so I would have to call. 
Fact 3. PayPal Credit refuses to work with me and just wants {$120.00} in late fees. 
Fact 4. I have a perfect record with Bill Me Later. I did n't owe anything when I purchased the XXXX XXXX XXXX. 

Please help resolve this matter. 
Thank you. 

XXXX XXXX XXXX
Please note-I have the recorded call on file and it was disclosed to the company that I was recording. I called Hunter Warfield to come to a resoluation on some lease break fees I had with an apartment complex called XXXX XXXX. The representative told me the total amount due was {$2100.00} and that I can settle for half of that amount. Unfortunately, I was unable to accept the settlement but began to question the amount because my last statement was {$1800.00} and there was nothing written in the contract for additional interest charges should my account go into collection. I told the representative that I will pay the amount actually owed and I want to make a payment arrangement. She told me I ca n't just do what I want, If I want to pay the original amount due, it has to be paid in full. I told her that that is not fair debt collection practice and that I am only contractually obligated to the {$1800.00} and we can set up an arrangement from that. She asked me in a condensing told " if I wanted help or not. '' I told her she can not refuse my payments. We went back and forth a few times and she ended up telling me to have a good day and she hung up on me.
On XX/XX/XXXX, I received a notification by mail from my private loan Navient regarding Interest Rate Reduction program confirmation. According to the letter I was to first complete three qualifying payment of {$30.00} beginning of XX/XX/XXXX. I made the payment of {$30.00} online on XX/XX/XXXX and called Navient the same day. However, their office was closed and I left a voicemail with my name and contact information to verify the payment was submitted. I called again the private loan to confirmed payment and enrollment in the interest rate reduction program. However, I was not given any answers instead I was informed that my message was going to be sent to the department in charge of the program. I decided to call again on XX/XX/XXXX regarding the letter I received. I was informed by customer service representative that the program does not apply to the loan I have with them. I explained that the letter includes the private loan account number I have with Navient. However, customer service representative kept on reassuring me that it did not apply to the loan. 
I was very confused with this information since the letter did include the account number and reference number. I then requested to speak with the manager regarding this matter. The customer service representative put me on hold and then mentioned that the amount of {$30.00} on the letter was a mistake. I asked to speak to the manager again regarding this matter. The manager then explained that Navient did a mistake in sending the payment to be of {$30.00}. I told the manager how it is possible that they send false information to the customers. This is not the first time it happens that they send me false information. Regardless of the mistaken from Navient, the manager was going to proceed in enrolling me in the program. The manager then told me to check in 7-10 business days for the interest rate to change on my loan. I called on XX/XX/XXXX and there was no update on the changes. Up to this date, they keep telling me they working on changing the status of my loan. I have called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been calling and leaving a message to the person handling my loan at Navient. That person has not returned my phone calls.
To : Consumer Response Center, Room XXXX, Federal Trade Commission,XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXXTo Whom it may concern ; I am writing to seek your help with a Mortgage Creditor ( Greentree/Ditec ) that refuses to report accurate consumer information and ask for your assistance. My wife and I have exited a CHXXXX Reorganization Bankruptcy XXXX XXXX. XXXX, which was closed over one year ago XX/XX/XXXX, as evidenced " Order Entering Final Decree and Closing Case '' .. 


My wife and I fell into hard times during the Real Estate debacle XX/XX/XXXX. We filed for CH XXXX Reorganization to save our house and to hopefully begin to rebuild our credit. Now 6 1/2 years later, they refuse to report our impeccable payment history as required by the FCRA and Bankruptcy Rules. They state the account is Closed, " 0 '' balance and bad payment history. Not the case as we have a balance, and have an impeccable payment history over the last 6 1/2 years. 

Over the last 1 1/2 years, we have sent dozens of letters, phone calls and faxes, and providing proof of the closure and providing the " Final Decree '', and requesting they report our mortgage account to the credit bureaus. On phone calls, they simply state that they " can not '' report our account to the bureaus until the Attorneys approve it. We are unable to speak with the Attorneys. 

This is not a frivolous matter, and their refusal and inaccuracy is robbing us of the ability to gain any credit, which is the life blood of every single consumer. We wish to purchase another home, but lack of published credit prevents it. We ask that you assist us with this matter and demand that they immediately report our credit file to the credit bureaus. Below is the Company/Account information. 

Greentree / DitecBK Dept. XXXX x XXXXAccount / Loan # Loan # XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX AZ XXXXThank you sincerely, XXXX XXXX XXXX XXXX
XXXX XXXX has an 60 Month installment loan with Navy Federal Credit Union open on XX/XX/2018 to present that is paid as agreed on monthly basis. My XXXX  credit report is reading a Navy Federal Credit Union revolving loan instead of 60 month term installment loan, because it is missing 60 term on loan in the correct box under terms. Please update and correct my Navy Federal Credit Union Loan from revolving credit loan to 60 month term installment loan with XXXX, XXXX, and XXXX. For the months and duration of loan, it is missing 60 month term in correct box, Please add 60 month term to this loan in the correct box. Navy Federal states problem is with XXXX. XXXX  states problem is with Navy Federal Credit Union. XXXX XXXX XXXX just wants 60 month term loan corrected with both XXXX  and Navy Federal Credit Union immediately.
I have several Hard Inquires from Credit Card Companies that I do not recognize. I called the Credit card company 's and they told me to call XXXX. I called XXXX and they had me on hold for a long time then they told me to contact the credit card company 's. I am tired of the run around and I want some action done to take these inquires off of my report. ALL of THEM!!
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XXXX and paid for it with XXXX using Capital One Quicksilver visa card ending in XXXX. 
XXXX Item Id : XXXX, Transaction Id : XXXX. XXXX Transaction ID : XXXX The original listing claimed the item was open box/customer return and under manufacturer warranty. The item I received was tempered and the XXXX XXXX XXXX was swapped with a 750GB used hard drive inside the enclosure. I contacted Capital One and disputed the transaction. The seller XXXX updated item description and changed the item description to not working/no return. Capital One closed the dispute in seller 's favor based on the non-working description which was added after I made the purchase. 

The XXXX item after description was changed https : XXXX? XXXX & XXXX XXXX History for this item XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Item revision history clearly shows on XX/XX/XXXX after all 50 items were sold, seller modified item description and title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am very disappointed to see the seller dglet was able to get away with $ XXXX fraud ( 50 transactions at {$79.00} ~ {$89.00} per item ) and no action was taken by XXXX/XXXX/credit card company. From reviews I can find online the same seller has been involved in this type of fraud for years XXXX XXXX XXXX XXXX XXXX XXXX " This reseller bought to seagate a bunch of hard disks without warranty and he advertised as with warranty. I made the mistake to buy 1 as it is advertised " As good as new '' It came faulty, he refused to help, he asked me to call XXXX XXXX. I called and gave serial number, they confirmed that item was bought without guarantee from XXXX as a product faulty that may work, but not guaranteed. I have email from XXXX  that explained that this item has no warranty, but seller still insist that it has warranty with manufacturer and he refuses me to send it back and to pay the postage back. I feel cheated after call XXXX as they explained that this product I bought is the lowest category and they sell for little money to resellers so they can sell them for spare parts or fix them. I think this seller should go to jail as he is cheating people. I lost XXXX dollars, XXXX will not cover unless I pay international postage that can cost around 50 dollars. Seller knew he was selling faulty products, advertised that they had warranty. For me he is a criminal '' Attachments : XXXX order confirmation -> ORDER_ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One credit card statement -> XXXX XXXX Transaction confirmation -> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Ditech LLC assumed our mortgage in XXXX XXXX. They have now raised our escrow payment by {$140.00} per month despite the fact that we have had an overage in our escrow in past years under a different service company. Ditech has established a required beginning escrow balance of XXXX, which is not consistent with our original loan. Our current escrow balance is {$980.00} after paying hazard insurance for XXXX in full. The only amounts that remain to be levied are monthly PMI and property taxes that the XXXX Assessor 's office predicts will total {$3300.00} in XXXX XXXX. The company claims an anticipated {$4700.00} property tax bill. In 15 years, our highest property tax bill has been {$3800.00}. I have been unable to speak to anyone to correct this clear error in determining our escrow payment. This seems to be a continuation of bad practices engaged in by this company when it was Green Tree.
On a recent trip to XXXX, we were charged an exchange rate on our credit card { Chase Bank } well in excess [ over XXXX % ] of the rates posted at local banks and Chase Bank competitors. The banks market waiving the " transaction fee '' which was for a flat rate communicated by the bank in favor of this much greater fee ... the calculation of which is not stated. Is n't there a fairer way to calculate and communicate the exchange rate? 

Thanks XXXX XXXX
I bought a washer and dryer on or about XXXX XXXX, XXXX from Lowes Home Improvement Store in XXXX Texas for around {$930.00}. ( I am looking for the original receipt ). I was told at the time of purchase that I could pay the balance off over time and I would n't owe any additional charges as long as I paid the balance off in full within one year. I began making monthly payments on the loan. Now I am getting close to having the balance paid off and so I called the company on XXXX XXXX, XXXX to find out where I stand on the payments. From talking to the loan officer on the phone, I found out that this is a credit card that is handled by a different company. When I asked about my payoff amount, it was higher than I expected ( I had calculated the difference between the original purchase price less the payments I had made ) and I inquired why. I was told that I had been charged " late fees '' because some of my monthly payments were not on time. And maybe some of those late fees also had incurred interest charges? In any event, the loan officer credited back {$83.00} to my account, representing all of the late fees, although I am not sure that all charges have been credited back to my account. It is clear to me that if I had not called to inquire then I would have had to pay these late fees. And then, how can they say that I owe a late fee when I am not subject to interest? I clearly got the impression when I took out the credit line that as long as I paid the full balance within one year then that would be all that I would owe, regardless of any monthly payments.
I have an American Express Serve card that I use as a budgeting tool. For the last year I have setup daily deposits from my XXXX bank accounts into my AMEX XXXX card for {$180.00} daily for a monthly total of approximately {$3400.00}. I then use their bill pay option to pay my rents and bills with these funds. On XXXX XXXX i logged into my account and discovered most of my money was gone with XXXX foreign transactions totaling XXXX that appeared to take place in XXXX. ( I have never been to XXXX ) My card was never lost or stolen and is stored at home in my safe since I do n't use it as a traditional credit card, but as a bill payment budgeting tool. I contacted American Express immediatlly and spoke with their fraud department who helped me change my password, pin and security question. The also cancelled the card and ordered me a new XXXX. They reassured my that my money would be returned to me within XXXX7 business days and that I would be contacted by a fraud specialist in the next two days via my phone. I waited a week with no response or activity, so I called again on XXXX XXXX, 2016 and had to repeat the same procedure again with a different fraud agent, who again said someone would notify me in a couple days and that my money would be returned within XXXX7 days. On XXXX XXXX, 2016 I attempted to log into my account and check the balance only to discover i had been locked out. I again called American Express who informed me that my account was closed due to some breach of contract and that my case was denied and I would not be credited with the stolen {$1000.00}. In addition they froze approximately {$2000.00} that was still in my account and said they would return it once my account had no activity. They will not communicate with me and inform me my only option is to write them a letter. I have a family of XXXX and they have put us in a very precarious position by not blocking these obvious fraudulent charges in XXXX and now closing my account and freezing my access to my {$2000.00} balance. I am not sure how I will pay my bills this month and am facing a 10 day eviction notice due to them taking my {$3000.00} and putting my family in a position where we can not pay our monthly bills. Ive filed a police report as they instructed but they still will not talk to me since they denied my case. Please Help!!!!
I have already dispted inquiries on my credit report with transunion that I did not authorise and I keep getting the same response from them telling me I dont have to give consent. I have contacted the companies who are listed with each of these companies and they tell me it is up to the credit bureau to remove the inquiries.

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I want those inquiries listed above removed immediately. The responses I keep getting from Transunion is as follows : We have reviewed your complaint along with the information you previously provided regarding this issue. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. Should you need any additional assistance, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.comXXXX  for frequently asked questions about your credit report.
XXXX XXXX treated my dog, overcharged me and they were paid in full.
Dear XXXX, This has been a very stressful Situation. Please help us. I have paid all my financial obligations on time for over 32 years. I have been a client of XXXX XXXX XXXX since XX/XX/XXXX although it was under name, XXXX XXXX and then XXXX XXXX XXXX. 

I have a HELOC which matured XX/XX/XXXX. Approximately {$120000.00} owed on HELOC. 

I also have my First Mortgage with XXXX XXXX XXXX which is approximately {$170000.00}. 

My wife and I wanted to pay our Mortgage payments but we have been going through Loan Modification since XX/XX/XXXX and were told by Capital One we could not make any Mortgage Payments. 

There are at least 3 horrible outcomes from this time consuming and frustrating Loan Modification Process. 

1. Credit ruined causing us to loose Most of our credit availability including a {$450000.00} Line of credit used to Operate our business. 

2. Nothing has been accomplished in This Loan Modification! 

3. Our loan has been sold to A Loan Servicing company called XXXX Who still has no record of our Account details. 

We have spoken to over a dozen representatives of Capital One both at the branch Level, the loan Modification Department, and the Loan Origination Department. All requested documents have been submitted to Capital One and their respective departments requesting documents. 

If there are any questions as we are sure there will be on your behalf, please call immediately at XXXX or XXXX. 

Sincerely XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX