WillisBack/dataset-financial-user-claim huggingface dataset:
I have an escrow account with my institution but my escrow account keeps getting higher I 've had this escrow account for more than two years and I 'm told and they statements that I owe more monies Please help me to resolve this major issue and concern
I received a notice from XXXX XXXX XXXX saying they were collecting from XXXX XXXX XXXX XXXX. 1. I have never received anything XXXX XXXX 2. They state debt is XXXX the interest is XXXX. The interest is more then half debt listed how can this be is XXXX XXXX XXXX charging interest?
Hello, I 'm having issues with Best Buy Credit Card. The problems started when I charged something to the Best Buy Credit Card with authorization. It was suppose to have been services using the XXXX for some computer work 2 years ago. When I picked up the computer I discovered that none of the work had been done and the company gave me back a complete refund. However, a complete refund was n't processed. The only thing that was charged was through the geeksquad and software that the geeksquad was suppose to install and active, which it never was. Best Buy never removed those charges. Even since then, I 've been battling Best Buy with Fake charges to fees and stuff that I do n't know. I 've finally asked Best Buy to provide me with a complete accounting of all the fees, charges and everything. They are charging me thins such as " late fees '' for claiming that my payment is late, when I pay it at the beginning of the month. Iv'e always paid the card at the beginning of the month and htye 've changed the date from the standard date of the month to a rotational every 28 days ... which means that the date moves. My bank has record on when it paid because its swet to go out the XXXX week of the month as I 'm on XXXX and that 's when my income comes in. I 've called the company they claim they have n't changed, which is non sense. Not only have they changed the pay due date and charging me late fees wthout notficiaiton, they changed the type of charge card from a master card to a visa and I was never given the notficiaton. I 've also had some identity theft issues that I 've been dealing with and these were removed. So basically they are having me pay " late fees '' on something that I 'm not charging only to collect a fee. They claim that the payment is due on the XXXX or something like that and I paid it the XXXX week of the month, two weeks early, so then tjey claim that well y payment must have been fro the previous month because of their " late fee '' wrong, Its for the month. I even went and paid them several times two payments in the same month ( bank records ) and thet still go and charge me claiinng that its late. ( I paid around the XXXX and then the XXXX ) well, if the payment due date is XX/XX/XXXX an I paid on XX/XX/XXXX and they have a 28 day billing cycle then the payment is wthin the correct day closgin, correct? I 've requested the aduit they 've refused. I 've requested to speak with a supervisor regarding this they refuse. At this time I believe that Best Buy owes me for fees that they 've illegally charged because I have n't been using the card at all!!! in case the representative said the ONLY FEES that was on the card were the LATE FEES ... .well if I did n't have a balance and I paid it off athen why am I being charged late fees????? I need help and XXXXbest buy is refusing to assist.
On XX/XX/XXXX I applied for Capital one credit card. Capital one sent me a paper with my interest rate based on my credit score. It used XXXX credit score of XXXX in FICO Credit Score range. Capital one explained that it is a good credit score ( not excellent ) and therefore I will get a middle interest rate ( 18.99 % rather than 13.99 % ). I have been monitoring my credit score with XXXX and it was XXXX ( on XX/XX/XXXX ) using XXXX XXXX which corresponds to an excellent score. I also have an excellent credit score from other two major credit bureaus.On XX/XX/XXXX I signed up with XXXX  credit monitoring plan to check my actual score on XX/XX/XXXX using historical data but was unable to find it. On XX/XX/XXXX I contacted XXXX  through phone ( no other options are available ). I was told that they only have access to my today 's credit score and  they can not give me any information about capital one inquiry. To summarize I want request XXXX to release my credit score ( that was reported to Capital one on XX/XX/XXXX ) to me. In case if there is mistake occurred in my score i want XXXX to report my updated score to the Capital one.
Received improper calls from XXXX XXXX XXXX. Her call back is XXXX XXXX XXXX. Did not state who she was with, what the issue is except that I " was used as a reference '' which is bogus. Have noticed this number over a year on my caller ID list but never left messages until this week Research on line indicates this is Delta Management who is a debt collector. I have never received anything from them and i have no debts having just checked my XXXX free credit reports. Their reviews under this number projects a very negative image and questionable tactics and objectives. They have no business contacting me by phone which is listed on the Do not Call list. I suspect they are preditory, seeing if they can con you into paying on an old debt?
THIS IS A HARD INQUIRIES ON MY CREDIT REPORT. I DO N'T KNOW WHAT THIS IS. XXXX XXXX XXXX
Received an offer from american express XXXX card for adding up to four authorized users and receive XXXX points after XXXX spend for each card. Completed the required spending on both card but only got bonus points for the first card. Contacted the customer support but they ca n't help.
XXXX  University is a scam. I did not know this when I was trying to better myself and agreed to enroll when stalked by these predators.   I understand now the scheming ways of this " organization ''. I only attended for a few months online when I realized it was a farce and I would get nowhere with an accreditation from them. Not a real school.   The loans were already underway when I withdrew and now Navient has destroyed my credit. It has been years and years. I have tried reasoning and working with them to no avail.   Even though I am now receiving benefits from Social Security and can hardly get by they will not accept my proof of benefits or work with me. They want everything I have, continue accruing interest and over  XXXX  dollars is the balance. I will continue to fight them. Please beware of these predatory schools they give you nothing and will try to take everything.
My XXXX XXXX  cards 2 of them are not reporting the correct balances. I owe a lot less than what is being reported.
XXXX ask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter dated XXXX that ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law
The TD BANK is abusing in collecting XXXX $ overdraft fees even my account is not enrolled in such service
Attempted to place a freeze on my report with Equifax due to data breach at approx XXXX on XXXX2017 via Equifax online website form. I entered all required info and website stated there was an error processing. I assumed it was because I was on my phone so I tried to place freeze using my desktop computer. I again entered my info but it is now showing that freeze did go through, however I was not given a 10 digit PIN #. I now have no way to unfreeze this account. I 've tried contacting Equifax but I can not reach an actual person at all.
My credit score is very low XXXX. I have had several lenders look at it and they have no explanation on why it is so low. They tell me the data on my report does not represent a score in the XXXX. I have no late payments in the last 4 years. No collections, bankruptcy or public records. I want to know why my score is giving me a black eye.
Upon checking my credit report on XX/XX/2018, I found that I have an open collections account for a payday loan. I am under the impression that this is a result of identity theft or a mistaken identity. Despite my calls to Midwest recovery and letters sent out to Midwest recovery, I have not received a proper response as to how or why did this collection show up on my report. I have not been provided proof that this debt is indeed mine. I also sent a letter to all three credit bureaus regarding this matter, and have yet to receive documentation proving that this debt is indeed mine.
My auto financing company continually harasses and uses threatening tactics. My payment is due on the XXXX of every month. I have never been 30 days late on my auto loan. Anytime I do n't pay of the XXXX or have a promise to pay. They harass me everyday via text messaging, phone calls, and email. Usually it 's a phone call and text on the daily. I 've received threats that they 're coming to pick up my vehicle. They informed me that I 'm going to have to pay double. There very rude and nasty when I do speak to them
received collection from Portfolio recovery XXXX XXXX XXXX, XXXX. I sent standard validation letter certified U.S. Mail # XXXX XXXX/XXXX/15 asking for the min. requirements according to the FCRA and FDCPA. 1. proof of debt with original signature saying i agreed to any such debt ( pretty basic ) 2. proof amount of debt is correct and legal requiring all credits and debits from original creditor. 3. proof they own the debt which will require the entire contract and terms between them and the original creditor. not just a bill of sale. 4 proof they are legally licensed, insured and bonded with business license numbers. I asked for this to be done according to the law within 30 days or please drop the collection and remove all derogatory markers from my credit report. Their response was an account statement with none of the burdens of the law being met. I received nothing that i had requested in accordance to my rights under the law. I also asked in my verification letter that there be no contact by phone according to my rights under the law of which they violated by calling me at my place of employment. When contacted by phone before speaking we both had agreed that the conversation would be recorded by both parties of which i have the recording. As of XXXX XXXX 2015 they still have not met the requirements of the validation letter and still are reporting this un validated debt to the credit agencies so I reached out to them and spoke with a gentleman named XXXX of which he gave me their fax number. I then faxed a XXXX page cover and a XXXX page validation letter ( the same validation letter i sent on XXXX/XXXX/15 ) again of which I have confirmation with still no response as of XXXX/XXXX/15. Today XXXX/XXXX/15 I called portfolio recovery and was on the phone with XXXX XXXX employee # XXXX for more than XXXX minutes he was a supervisor. I once again went over the letter i had send XXXX. I asked him if he could please meet the requirements of the law and the simple things I was asking for? His response was no and there was nothing he could do about removing the trade marker from my credit reports. Kind of disturbing his answer was to me about an account he could not legally verify. I know for a fact this is nonsense. This company 's actions and process 's are in total arrogance and violation to the law. There actions are a form of credit ransom where they believe they are the kidnappers and they play a game of pay and we will set you free. I am only asking that they be held to the letter of the law according to the FCRA and the FDCPA. If they can not meet the requirements then drop it and remove the marker and we both go on with our lives. I am currently contemplating pursuing legal actions against them if we can not come to some sort of compliance.
XXXX XXXX XXXX XXXX is not licensed with the State of Tennessee Department of Commerce and Insurance to collect on alleged debts in the state of my residence, Tennessee. I have attached proof of this as of XXXX XXXX, 2017 from the official website, tn.gov
this is on case Case number : XXXX disputed and sent several documents justifying my case and I should be refunded my deposits due to 5th 3rd bank lack of ability in underwriting a file. 
Thank youXXXX XXXX
In XXXX 2015 I had a visit to the emergency room which resulted in a {$75.00} remaining balance after insurance. I paid that balance before the deadline, and there was no issue. The bill was never sent to collection. Recently I checked my credit history, and found a {$75.00} debt that is marked as unpaid and " derogatory '' that was sent to collection on XXXX XXXX, 2015. I called the hospital billing department, and they confirmed, that bill was paid and never sent to collection. They sent me an itemized receipt as proof of payment. I want this collection removed from my credit report and credit history, as it is a debt that was never " derogatory '' or even late. I do not recognize the creditor, which is labeled as " PMAB LLC. ''
This is concerning a car accident that occured when a mechanic working on my car test drove it without my permission. I was deemed not liable due to not driving or even being present at the time of the accident. National Commercial services has been calling me with recorded messages and have recently began to send notifications by mail. I have sent them XXXX cease and desist letters via certified mail and they still contact me.The accident occured on XX/XX/XXXX of 2016.They are attempting to collect 13,000 dollars from me that I do not owe and have been deemed not liable for by my insurance company.The liable party is the mechanic who was driving the car who has not been responsive.
XXXX XXXX XXXX of XXXX is reporting my wifes closed negative account on my credit the account has been paid but still should not be on my credit
Credit Management has XXXX inaccurate items on my credit report. XXXX I called last XXXX they have it dated as XXXX per XXXX the date was XXXX. They changed the date only to re age the bill again this XXXX Now they have XXXX internet and the date is XXXX. We were living with my father in law from XXXX-XXXX. This bill would be from XXXX. The Re aged this bill and when I call they hang up on me and will not correct their errors that they do intentionally.
They call ask for me and when I try to talk with them they hang up or repeated calls and when I answer they hang up.
multiple phone call to my prepaid cell phone from way point resource group XXXX no messages hang up phone calls as many as 4 per day no contact by mail or on my home phone number
I am writing to call into question a judgment that was filed by the plaintiff XXXX XXXX. Docket number XXXX. This was filed back in late XXXX. Below I will try to outline the situation in order to keep this concise and to the point as I know. 
- In late XXXX, my wife and I extended our lease 20 days on a month to month in order to close on a home purchase. Original rent was {$1100.00}, they charged me {$3800.00} to extend 20 days. I believe last day would be XXXX XXXX, XXXX - Explained to them that I could not pay such a high price for the extra days and asked about paying the original {$1200.00} rent and making a payment plan to pay the remaining balance but they refused to take anything but the {$3800.00} in full. 
- They explained to me that they would have to go ahead and file for eviction but not to worry because eviction date would be after we had already moved out. 
- My wife and I have always paid rent on time so this was all new to us. They instructed me to not bother going to court because if we did not have full {$3800.00}, the judge would rule in their favor. 
- Misjudging that they were acting in everyone 's best interest I missed the court date and in doing so they filed judgment. I set up payment plan to pay amount within a few months ( paid {$600.00} ). 
- Home purchase fell through and was left with a negative collection on my credit report. No longer approved by lender. Could not find an apartment who would rent to us leaving me and my children homeless. Stopped making payments to XXXX and saved for large deposit. 
- Moved in to second chance apartments in order to clean up credit in XXXX of XXXX. 
- After 2 years of working to repair my credit and get this paid in order to proceed with home buying, the lender pulled my credit and found judgment filed with court differs from amount UDR claims I owe. 
- Court files show {$1200.00}, XXXX shows {$3100.00}. Called to pay XXXX billing to find discrepancy. Woman who refused to identify herself called me a criminal for not paying rent on time. I explained I never had a problem paying rent I had a problem with paying such a substantial amount. 
- When asked why amount differed she said it was for cleaning the apartment after move out. 
- XXXX rep stated she would not give letter of release of judgment until the {$3800.00} is paid in full. 
- I asked for copy of lease as well as addendum and UDR refused to give copy. Gave me contact to NCC Business who is the collection agency handling debt. 
- Written request 4 times remain unanswered and still no documentation was ever given as to why I owe so much for 20 days. 
- This has affected my family greatly and resolving this is the last obstacle in front of us for pre approval in purchasing a home.
I originally sent a dispute letter dated XXXX/XXXX/15 to Trans Union. I then received a reply from them dated XXXX/XXXX/15 thinking that my dispute letter did not come from me and now they want a power of attorney. I even attached a copy of my driver 's license with my dispute letter and a copy of a utility bill. How are they determining that this information is not sent by me?
More than one year ago OCWEN financial services the holder of my second mortgage told me I needed flood insurance. I gave them documentation from FIMA staing that my residence did not require the mandatory insurance for flood. After speaking to several representatives and sending them the documentation, the instituted a flood insurance policy and started taking out escrow payments from my monthly payment. This ultimately put my account in a negative position. I have called them insistently for the past year and then they told me " Yes '' in fact I did not need insurance. They refunded my escrow money via a bank check once again putting my account in a negative position, I called again did a phone bank transfer to bring my negative balance which they made negative, to a current status. I have spent more than XXXX hours on the phone speaking to everyone all over the world only to have them report my account to the credit bureau and reduce my credit rating by more that XXXX points. They have failed to live up to their promises and reassurance that this would not be done, due to their mistake? I am beyond perplexed and now damaged on my credit history. Can you please help me? PLEASE
XX/XX/XXXX, I received in the mail an offer from Discover bank to open a checking account and link direct deposits to receive a welcome bonus of {$300.00}. I submitted the application online using the promotion code and supplied information to fund a new account from an existing checking account with another bank. I noticed after a couple weeks that I did not receive any follow-up communications from Discover nor had my initial deposit been taken from existing checking account to fund this new account. I contacted Discover 's customer service and after researching they realized they had a system error when it came to verifying my name. I was told I could reapply even though it was outside the offer period, but that notes would be included in my profile to give me the welcome bonus once I satisfied the direct deposit requirements. I did satisfy those requirements, and confirmed it with customer service in XX/XX/XXXX, and again in XXXX 2016. I was told by customer service I had completed the requirements and that communication would be sent to their rewards dept to send me the bonus. Last week upon inquiring again the status of this bonus, I was told by their rewards dept that I didnt meet the requirements because I opened the account outside the offer window. This goes in direct contrast to what was explained to me when I resubmitted the application so they could correct their error and again when I confirmed I had satisfied the requirements. Had they told me months ago that they could not honor their offer then I would never have gone through the hassle of setting up a new account and linking my direct deposits.
I have NEVER been late with a payment on this loan. 

Yet, Chase bank routinely harasses me with collection threats that they state are required by Federal and State law. 

Not all correspondence contains these threats, only some of the correspondence I receive. 

Provide the Federal law, State law, rule or term of the note that Chase routinely refers too that affirms the threat contained on some of the banks correspondence and made during some of their telephone calls : " This communication is an attempt to collect a debt and any information obtained will be used for that purpose '' ; " Any payment you make on the account is voluntary, but we still have rights ... ... including the right to foreclose on the property ''. 

Chase has been told that these threats are unnecessary and are deemed by me as harassment. They have refused to stop and asserted that these " threats '' are some how required by law for folks who are not late and/or never have been on the loan. 

So Chase, provide the laws that you are referring too. 

My suspicion is that there are no such laws requiring such threatening language to folks who pay on the note as required. So, if I 'm incorrect about this issue then cite the Federal and State law ( s ) you 're referring too.
Hi I am filing a complaint against XXXX XXXX for fraud and abuse of my credit card. This summer I had at least XXXX or more stolen from my credit cards and my bank account. They were only giving me XXXX in credit in which more then XXXX was stolen for in applications on there site. I was only able to get some of that back but there is more then XXXX that needs to be sent back to my account. My bank is over drawn due to this and I am on XXXX and they need to send all my money back. It has been months of complaining about this and they will not send my money back. I did not give theme the right to over XXXX to steal from my bank. It is an online account for games and I would never authorize them to take my money and they refuse to contact me any more. I have complained to my bank and to them and over XXXX total is missing due to fraud and abuse. I went on vacation and it started as XXXX to XXXX purchase and as of months later none of it was returned so I am contacting you for help to get the money back that was stolen from my bank account.
XXXX ; XXXX  and XXXX  are incorrectly reporting me as an Authorized User on Barlclay card ending in account # XXXX. I contacted Barclay and let them know that I did not give permission to be added as an Authorized User and that I need to be removed from this account. I have also contacted the bureaus to fix this issue but they have not fixed it yet. The negative information is harming my credit score.