WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Sears Credit card account, which belongs to Citigroup. Several years ago, I purchased several large appliances with the card. Shortly afterwards my husband became ill and unable to work. Needless to say, I was unable to make timely payments on this card. After speaking with a Sears credit representative, I was placed on an assistance plan for a year, which ended in XXXX 2015. Since that point, I have been paying on the account monthly. The APR is roughly 21.49 %, which supposedly is based on the total amount owed on the account. At this point, I owe {$4400.00}. The minimum payments for each month have been roughly around {$120.00} to {$130.00} each month. However, when I receive the statement for the previous month, approximately XXXX % of the payment is going to interest and not the principal. At this point, I will be paying {$11000.00} for a credit card with a {$6000.00} limit. 

I contacted the company today to request a lower interest rate for this card. However, they refused to lower the APR. I talked to a supervisor who basically told me that they would not lower the interest rate as that was the rate the card was when I signed up for it! Why would I want a credit card with a high interest rate? When asked if I could speak to someone else, she sarcastically told me that there were plenty of building I could speak with however, no one there was no in the building that would help me by lowering my interest rate. ( That was after she snickered on the phone, while it sounded as if she were eating lunch. ) I know that I am not the only one in this predicament. I am upset with this high interest rate and would like some assistance. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
I received a 30-day notice of the debt by ProCom services about a year after this debt was supposedly to have occurred. As I was completely unaware of any debt to the company they were representing, I asked for debt verification, which was never provided. Instead, the account was reported to the 3 Credit Bureaus without any attempt to resolve the discrepancy.
My sister was told, if she paid this amount ... she would not owe anything else as she is going to school. The loan would be deferred until she finishes college. She paid the {$50.00} but, it was only to stop them from calling for 10 days. They lied! Now they keep calling saying we owe money and that we have to pay it. They are lairs, the money should be put in deferment until she finishes school. They they said. I am the co-signer and they keep calling both of us after we both said stop calling.
TRANSUNION HAD A COMPUTER GLITCH!!!!! Where all my inquires were removed from my credit report. TransUnion noticed this so called error and put them back on my report. THAT 'S AGAINST THE LAW Without written notification before it 's added back. SO I CALLED THEM XXXX AND ASKED TO SPEAK WITH THE SPECIAL HANDLING 'S DEPARTMENT. I told them that my inquires were removed and suddenly reappeared, I was not notified in writing that these things would be added back to my credit report AND THIS IS AGAINST THE LAW- YOUR COMPANY HAS BROKEN THE LAW!!!!!!!!! PER FRCA SECTION 611.
In XX/XX/2017 I defaulted on a series of credit card payments due to severe health conditions that resulted in the loss of my job and income. I had to let my credit cards fall into default and subsequently collections. 

Since then my account has appeared to have been repeated sold to several different collection agencies and I have received a variety of different offers to resolve it, but due to the speed by which the companies have changed hands and all the varying amounts by which the account can be " supposedly '' settled I am at a loss for action here. I don't know whether or not my account is legitimately open for resolve or in fact if I am being gamed. As such I am looking for resolution or forgiveness, but before then it was recommended that I put forth this information to the CFPB. So that I could at the very least have some more pushing power with the " current '' collection agency. They've been pretty pushy and in the past my conversations with them have left me at a loss for actions. 

The current holder is XXXX XXXX XXXX? And the creditor XXXX XXXX XXXX. 

Can you please help me here?
Hello, The problem that I have is with Escrow Office : On XXXX XXXX, 2015 the funding was made and loan with Nationstar was paid off. 
All my accounts including Escrow Account must be closed onXXXX XXXX, 2015. I have the payoff statement with Escrow balance {$2000.00} and Disclosure Statement with balance of {$2100.00}. They show XXXX different balances. 
From XXXX XXXX, 2015, I do not have FHA loan anymore and consequently, I do n't have to pay MIP. 
Unfortunately, Escrow Office sent to me a Disclosure Statement written on XXXX/XXXX/2015 and transaction in it, made on XXXX/XXXX/2015. This is a violation of the Accounting Principles. They ca n't write a statement before the transaction is done. 
Also, the most importantly, they ca n't make any transactions after the account is closed. The statement that I provide shows that Escrow did bill me on XXXX XXXX, 2015 for the amount of {$250.00}. This is incorrect transaction because is made on closed account and that makes the entire Disclosure Statement incorrect. That is a shame. 
At first time when I called, I spoke with agent XXXX ( agent # : XXXX ). After she talked to Escrow Office, she told me that I am going to receive XXXX separate checks : XXXX for {$1800.00} and another XXXX for {$250.00}. On my question : " Why XXXX checks, it should be only XXXX check '', she said ; " I am not sure. " Until today, I got only a check for {$1800.00}. The second check is still missing. 

I called again and I spoke to agent XXXX. She said that they already sent the money to the Billing Department and I have to solve the problem on my own by calling XXXX. I told her that this is their mistake and they should fix it. 
I asked for the manager, she refused to give me the phone number. I asked for the address that I can write a letter, she refused to give me the address. Then she transferred my call to XXXX from Escrow Department. XXXX answered the phone : " Hello, this is XXXX may I help you? " I said : " Hi XXXX, this is XXXX XXXX and I want to talk to you about my Escrow balance and the check that I did not receive. 
XXXX repeated the same : '' Hello, this is XXXX may I help you? " Then I asked : " Do you hear me? " She said : " No, I do n't hear you. You need to call back. ", and she hung up the phone on me. 
I was very disappointed and frustrated. What XXXX did, is disrespectful to me as a customer, disrespectful to the job and to Nationstar Mortgage that hire her for this job. 
I am still waiting for the check of {$250.00} from Escrow. 
After all, I have a letter from Nationstar Mortgage that says, they need time until XXXX, 2015 to solve the problem. I strongly disagree with this response and I would like the problem to be solved in better timely manner. 
Another problem is that Nationstar Mortgage reported me with partial payment to my Credit Report. This is not true. sent all the documentation to prove it. Please correct my Credit Report. 
Thank you! 
XXXX XXXX provide a copy of Disclosure Statement and Pay Loan in Full Statement.
Bank of America offered me a modification on my home loan in XXXX XXXX, I signed the documents and sent them back in before the deadline. My next payment was not due until XXXX/XXXX/XXXX per the paperwork. I was spoke with my relationship ship manager she confirmed the paperwork was received and that as soon as I made my 1st payment on XX/XX/XXXX, they would bring my account current for XX/XX/XXXX and XX/XX/XXXX. That has not happened and Everytime I call Bank of America I get the run around no one knows what 's going on they ca n't seem to find my payments and my bank statement clearly shows the payments made to Bank of America. Also I actually made both my XXXX XXXX, XXXX and XXXX XXXX payment on the phone with Bank of America. They have been miss applying my funds and putting them anywhere except on my mortgage payment. The are not being honest and I not about to loose my home behind there misconceptions. They need to be investigated. This is the 2nd time I have had to file a complaint against Bank of America.
In XXXX Nationstar Mortgage company bought my loan from XXXX XXXX XXXX. I did n't realize that my mortgage was being sold, my fault. Ever since they bought it I have had nothing but grief from that company. The balance in XXXX XXXX was {$68000.00}. The balance now is {$64000.00}. They sent me a letter dated XXXX/XXXX/XXXX saying that I have overpaid my Escrow by {$380.00} but because my escrow was changing they were raising my Loan payment by {$40.00} to cover the escrow this year. My taxes have lowered and no change in my insurance. I found out today that the insurance company that I have now is affilated with Nationstar called XXXX XXXX XXXX XXXX. I have made calls to Nationstar and the XXXX. XXXX XXXX. I got " call your insurance company '' from Nationstar, so I did. I got a representive from the insurance company who did alot of double-speak she admitted that My insurance had n't changed and to call Nationstar and gave me the same customer service number that I called. I applied for refinance with Nationstar in XXXX XXXX. They kept saying they would get back with me. 90 days later I was so fed up I told them I did n't want to refinance. The next thing I know I get the letter about increasing my monthly house payment. I am a XXXX citizen and am thinking about retirement. This arguing with this Mortgage company is getting upsetting for me. Can you tell me if this is a real company and if they are honest or not
THIS ACCOUNT IS NOT MINE THE ORIGIONAL SCCOUNT OWNER FILED BANKRUPTCY AND MAKING PAYMENTS ON ACCOUNT XXXX IS SHOWING WRITTEN OFF CHARGE OFF WHICH IMPOSIBLE BECAUSE PAYMENTS SRE STILL BEING MADE THEY CAN NOT SHOW DEROGATORY INFORMATION IF THE ORIGIONAL DEBTOR IS MAKING PAYMENTS HENCE NOT SHOW AS WRITTEN OF SINCE 2017 THIS IS RETALITORY SO THE CREDITOR MUST REMOVE ACCOUNT OR UPDATE SS CURRENT IVE FILED 609 ( 1 ) A ( 1 )  WHICH EXPERIAN HAS IGNORED
I requested an interest only period when my loan entered repayment in XXXX per Navient 's suggestion as I was unable to pay the full amount. They assured me it would take effect before my first payment was due. About a month later I inquired since my payment amount did not change and was informed I was not eligible for that. They suggested a forbearance, but told me not to request it until XXXX XXXX so it would cover the full 3 months. I have gotten harassing phone calls every day since that instruction several weeks ago. Every time, the agent read the notes on my account and told me they would hold further calls until XXXX XXXX when I could request the forbearance. Yet, I still get called evey day multiple times per day. They will not stop.despite advising me to wait until XXXX XXXX.
On XXXX XXXX, 2016 I made a home equity mortgage payment per telephone. The company in question is Wells Fargo. My payment was eight days past due, but still within the ten day grace period during which no late payment penalty is assessed. The representative informed me that I owed the past due amount in addition to next month 's payment. 

In other words, he wanted me to pay twice the amount I was prepared to pay that day. I told him that I only wanted to pay the past due amount for the month of XXXX. He responded that scheduling a payment in advance for the month of XXXX at this time would save me the trouble of paying in XXXX. Again, I told him that I did not desire to pay in advance. Finally, he said that it " would be okay, '' reconfirmed the amount of my payment : {$660.00}, and provided me with a reference number for the transaction. 

I thought the matter was settled, until I checked my bank statement later and found that the Wells Fargo representative had used my credit union 's banking information, which I had provided ( account and routing number ), to debit two monthly payments for a total of {$1300.00}. I immediately called Wells Fargo, explained the situation and upon escalating the matter was told by a supervisor that I had two options : ( 1 ) wait for a cashier 's check, which takes about 30 days, or ( 2 ) open a checking account with Wells Fargo, from which I could withdraw the money in a shorter amount of time. 

I emphatically declined, saying that I never authorized a double payment and that it was incumbent on the part of Wells Fargo to rectify the situation. I explained that I budget my expenses by month and can not afford to make double payments ever. The matter was therefore further escalated to the " executive '' level and I got to speak to " higher level '' manager. She gave me her telephone number and extension, asked me for mine and said that she would look into the matter herself.
Repeated calls to family that I will be arrested in 24 hours. Threatening my family.
Portfolio Recovery continues to call our number even after repeated requests to stop calling. 

We are not delinquent on any bills.
I have consistently asked XXXX XXXX, Experien, and XXXX Credit Reporting Agencies, to remove in-validated inquiries off my credit report. I have asked them for proof of these remarks. XXXX XXXX has sent me two letters, which state that they " Do not investigate inquiries ''. This is in violation of the Fair Credit Reporting Act. I have the " Lawful Right '' according to FCRA [ 632 ( a ) ( 3 ), 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] to dispute/challenge any and all negative remarks on my credit reports. They  will not budge on my requests to investigate these claims.
I have purchased my home in XXXX 2003. My original mortgage was at XXXX and had a PMI of {$270.00}. I borrowed XXXX I have purchased my home in XXXX 2003. My original mortgage was at XXXX and had a PMI of {$270.00}. I borrowed {$110000.00} I currently owe more than I borrowed and have given lump-sum payments of {$10000.00} {$5600.00} and XXXX loan of XXXX. Although I had missed payments in the past I always pay the lump sum they asked to bring Current. My mortgage has been with fa my mortgage has been with Bank of America they stated they have given me a modification down to 5 % I have always paid lump sums to catch up but I currently after XXXX years in the home owe more than I borrowed. Bank of America they stated they have given me a modification down to 5 % I have always paid lump sums to catch up but I currently after XXXX years in the home I know more than I borrowed XXXX years ago I have received no help from bank of America. I need help. I know more than I borrowed XXXX years ago I have received no help from bank of America. I need help They have improperly reported my credit. Plus jduring the course of the loan I was paying more than the original amount of XXXX per month. I can be reached at XXXX XXXX or XXXXXXXXXXXX
I had an automatic payment from my Bank of America checking account set up for a mortgage I held and for the   XXXX    XXXX , 2010 due date, and the payment was never initiated. I did not learn of this situation until the payment was 30 days late and Bank of America, on the phone, admitted it was due to a glitch. I asked for documentation to provide to the creditor and they promised it, but later refused when I followed up. I escalated and they later claimed I turned off the autopay, which I did not do. I receive alerts for any online banking changes and none existed for this change they claim I initiated. I asked for their audit trail evidence proving I did it and again they refused. This late payment on my mortgage dropped my credit score by about   XXXX    points and it still has not recovered years later.
My loan was sold to a private collections company called Transworld. They called and threatened my husband with garnishment of his wages if it was not paid. The loan was made before we were married and therefore it is illegal for them to have done so. When they called him back they denied ever having done so though the call was recorded.
On   XXXX   2016 loancare raised my mortgage to {$2100.00} and I thought we fixed the mortgage amount to {$1700.00}. Loancare said that will be your payment for the next two years until the escrow balance has been resolved. My taxes are {$6900.00} I received a tax  XXXX  credit for {$250.00}, now my taxes are approximately {$6700.00} a year. Loancare has raised my payment every six months. I am also eligible for the tax freeze and a credit will be put in my account. My loancare account  XXXX . Loancare has threatened me with foreclosure and has ruined my credit. They are very nasty and hard to deal with. I want my mortgage payment to remain as {$1700.00}.
First of all, I have XXXX complaints for the SAME thing from XXXX on my XXXX credt report and it 's on XXXX once. Secondly, I called XXXX to tell them to cancel my service, since my husband had passed away and he was the one who had used it. They did not cancel when they were supposed, and their service was not even used during that period they 're charging for. What really burns me up, is that I had been a customer with direct for more than XXXXXXXX years, and they treat their loyal customers this way.
Received a call from a phone # XXXX stating that I owe {$280.00} and the doctor had been trying to collect this since XX/XX/2015. The caller had my name, birth date, doctors name and address. I called my doctor and they had me call their billing department and they stated that I had a zero balance. The " collection '' agency " Transworld Systems '' also gave me this number to call them tomorrow so I could pay this so called debt ( XXXX ) to prevent my credit from being effected.
These People called my job today XXXX/XXXX/XXXX. They called from XXXX. They did n't anounce the name of the business when I called.She just answered as XXXX XXXX. They sent no documents to my house showing me proof.
I am a victim of identity theft and had duly notified the relevant authorities. As a results, I sent this company my dispute on XX/XX/XXXX, attached with all the relevant documents to verify my claims and expected them to block/ delete inaccurate Inquiries information from my credit report within 3 days as required by law but they have not. The fraudulent inquiries which I did not authorize are still showing on my credit report and have resulted to me being denied credit.

Please delete these fraudulent inquiries from my credit report : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX
XXXX {$100.00} is on my credit tracker from XXXX XXXX
My original principal loan is {$6300.00}. The last statement I received showed that I have made over {$3200.00} in payments, which it show {$1000.00} payed towards interest and {$1100.00} towards the principal. In the same statement they show my current principal is {$5600.00}. I called Navient to try to understand and they said that my principal went up. This math does n't add up.
We have attempted to wire money to a escrow account for two days without success. 
The first transfer attempt failed because the account number was improperly submitted, the second attempt we were told was a failure to initiate the transfer after the account numbers were corrected. We have traveled more than XXXX XXXX miles in an effort to correct the problem, plus have made several phone calls without the problem being corrected, just promises that were that were not kept.
: Writing here just for the record. nothing has been resovled dont even read the letters over the last 3 years nothing resolved and despite being a customer in good standing discover has blocked my ability to call them and ignores all attempts and has at resolution. this is the latest email i sent. I offered XXXX for all accounts by XX/XX/XXXX. I am declaring bankruptcy in foreclosure i provided docket number for conifrmation. no response just credit reporting that i am responding to. This company is notorious for suing and being very very difficult with customers. I need a resolution not just you sending it and them photocopying responses. I will go to court if need be and show a judge my diligent attempts at resolution and what has occured as a result. tired of being ignored, bullied and treated very unfairly DO SOMEHITNG about this company and how it treats its customers. No photocopies of previous responses that did nothing. I will sue i will if ihave to. believe me. i have a record of all the attempts at resolution from letters to complaints to calls to all. nothing. Accept this and let me out. i will declare bankruptcy shortly Hardship Letter for credit Card Account : To whom it may concern Due to my recent financial condition I am writing you this letter to request a settlement of my unpaid debt at 20 percent of the balance due. I am filing bankruptcy shortly. due to foreclosure. chapter XXXX This is the 4th time i have advised you. I can be reached only after XXXX XXXX to discuss.
Over the last 20months my household income has dropped considerably due to ( job loss, medical condition, illness, etc. ), which has made it impossible for me to continue to make my full monthly payments. I asked for signed copies of agreements i never got and other information.
Please note that I am trying to avoid a bankruptcy filing and that I am currently requesting debt settlements with all of my other creditors with whom I need to make similar arrangements and plans.
I am requesting that you seriously review and accept my settlement offer. As soon as you accept it in writing, I will by XX/XX/XXXX mail the payment to your organization. XXXX dollars for all accounts. If not this will get discharged. My foreclosure can be verified on njcourts.gov XXXX XXXX If you have any questions or if you wish to discuss this settlement offer, please do not hesitate to call me and I can be reached at ( XXXX ).
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Click here to Reply, Reply to all, or Forward
this involves a timeshare. After speaking to a commercial lawyer I was advised that their tactics to have me buy the timeshare in 2014 were illegal and in violation of consumer laws. I further asked them for help to sell or transfer the timeshare and they refused. I in turn refused to pay the mortgage and they said it was breach of contract and I welcomed the legal action because : they called my sister in law and my sister and called saying I or my wife needed to call them because we we defaulting on our mortgage. These family members presumed it was our house. It is not and they have no right to contact them and disclose the nature of the debt, just how to reach us.