WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX my property address is XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. Servicing Lender is BSI Financial Services. My loan number is XXXX. I am writing because I was approved for a trial modification and was supposed to make three trial payments commencing in XXXX XXXX, XXXX my last payment being in XXXX 2015. I have now completed all my payments and have yet to receive the permanent modification. My representative assigned to my case is XXXX XXXX phone number XXXX ext XXXX however, I have left him numerous messages and he is never available and never returns my calls. I have called their attorney and they have advised me that they do not know why I have n't received the permanent modification. I have continued to make my monthly payments however, I am concerned as I am still in foreclosure and the bank does not complete my modification nor give me a valid reason why it is still pending.
In XX/XX/XXXX a purchase was made on my Sears Store credit card. At this time there was a special interest free promotion for two years in which we participated. During these two years we continued to make our regular monthly payments of interest + capital and it was our understanding that these monthly payments were being applied to the overall credit balance including items which were part of this promotional offer. We identified today that this was not the case and therefore in XX/XX/XXXX an interest charge was applied to the account of {$800.00} against an original purchase cost of {$1100.00} which is in effect interest of 73 % over the two years. 

We were told today that on the online statement that it was possible to see that our monthly payments were not being applied to the promotional offer items but this was not identified during the entire 24 month process. At no time were we informed of this or the impact of these charges not being applied. When we agreed to participate in the offer we were also not informed that we would need to do anything other than to continue to make monthly payments. 

We are in no doubt that we along with likely a large number of others will have been caught in this deception and will have interest rates applied which look like figures applied in an extortion racket. 

When we spoke the the Account Supervisor ( the most senior person who would speak to us ) we were told that there was zero they could do and that this was our fault for not realizing that our monthly payments were not being applied to the promotional balance.
I have repeatedly requested physical documentation for the following accounts, ( 1 ) XXXX XXXX XXXX XXXX, {$950.00}. ( 2 ) XXXX XXXX XXXX, {$260.00}, {$210.00}, {$180.00}, and yet to receive anything outside of the following credit agencies XXXX  and Experian saying that account been verified. However in accordance with the policies of The FCRA if this requested information is not received then the accounts shall be removed. Therefore, I have requested the Method Of Verification and never received anything.
American Express markets its Delta Reserve card as providing XXXX MQM bonuses at the spend levels of $ XXXX and $ XXXX, annually. On the website americanexpress.com I as a consumer have a function available to me to view statements and activity for the period XX/XX/XXXX through XXXX XXXX, XXXX ( report is attached ). This report agrees with the XX/XX/XXXX Year-End Summary also published by American Express which shows that the net spend on the account for the year is XXXX XXXX. To ensure that I met the $ XXXX spend level for the bonus miles, I managed this through XX/XX/XXXX and ensured that no credits would be issued that would adversely impact the spend. Therefore, I believed that I had met the requirements of the card and would/should be awarded the XXXX MQM bonus miles. American Express has a different way of calculating the spend for this bonus and claims that the eligible spend is {$59000.00}. The difference is not discernable to the consumer from their website which provides this data and therefore is misleading to the consumer. When items that are excluded are included in the summary reports it serves to reinforce a misleading and fraudulent marketing approach by American Express. While the underlying terms and conditions may indicate the exclusion of fees, interest charges etc., the failure of American Express to provide a way for the consumer to track qualifying spend and to fail to note this on any of its spending reports maintains and reinforces its misleading advertising. American Express should be required to report to the consumer the spending amounts that qualify for the bonus if it is different than the amounts being shown on its website or annual summary statement. In the absence, I as a consumer are provided and relied on misleading and potentially fraudulent reporting by American Express. I have contacted American Express to no avail. Attached is their form letter response. While they acknowledge the shortcomings in their website, the answer I was told by a supervisor ( who would not share his name ) was that I as the consumer should have called them directly to have them calculate the qualified spend. In fact, I have done this for XX/XX/XXXX spend levels and was provided incorrect information and was told that they do not have any easy way to calculate the applicable spend. American Express should be required to compensate any consumer with the bonus MQMs at either the $ XXXX or $ XXXX level if their annual summary statement or the website equivalent shows such levels of spending until they can accurately report to the consumer the qualified spend levels they have met. I believe that I should be granted the XXXX MQMs for XXXX for having met the $ XXXX spending threshold and seek your assistance to end this misleading and fraudulent activity on the part of American Express.
I recently learned that Texas Guaranteed Student Loan Corp. was reporting that I allegedly owe them a debt. I mailed notice disputing the alleged debt. I sought numerous, very specific documents that would substantiate TG 's claim that I owed them any debt. I am attaching a scanned copy of the request, the credit report, along with all other pertinent documents. 
In reply, I received from TG : " a True and exact copy of the original '' alleged note which shows TG as the Guarantor or lender. TG also provided an alleged account summary claiming the original lender was XXXX for XXXX. TG has been reporting in my credit report that this alleged debt originated with XXXX. 
I disputed the debt with TG and in response TG stated they verified the alleged debt by providing me with the fraudulent documents I described above.
On XX/XX/2017, I received a derogatory mark on my credit report from the American Adjustment Burea of {$310.00}. I've attempted to clear the negative remark on my report for it is hindering my ability to open accounts and I was not sure where this bill was coming from. I would like to address this immediately. I want to clear the negative remark by paying the balance or having it be forgiven. I was unaware of the implications and I am in a tough financial situation right now.
My loan file has issues with dual tracking, mal practice and employee incompetency. I submitted my file to XXXX ( XXXX XXXX XXXX XXXX XXXX ) for review for a possible loan modification, sometime inXX/XX/XXXX. It takes this servicer such a long time to acknowledge reciept of submitted documents. Finally onXX/XX/XXXX my servicer deemed my to be complete and sent me letter that it would take them 30 days from then for me a response. XXXX does not follow the legal preoceedures, but rather has its own timeline during the foreclosure review process. OnXX/XX/XXXX, I  was so furious about the delay and misinformation, talked to an employee, who could not explain what was going on, even after consulting with their supervisor. I followed up with XXXX on XX/XX/XXXX, the loan counselor rep informed me that, " on XX/XX/XXXX,  which is 30 days later from when my file was deemed complete, they sent my file to underwriting. '' Meanwhile, I had scheduled a foreclosure trustee sale forXX/XX/XXXX. During the review process time to this day, my home has been scheduled for an active auction sale and marketed by XXXX 's attorneys - XXXX XXXX XXXX XXXX XXXX XXXX, who are also not properly supervised by XXXX. On XX/XX/XXXX, the foreclosure attorney website reflected an active sale with starting bid instructions of {$500000.00} as a minimum bid. Even though they postponed the foreclosure sale date to XX/XX/XXXX, My loan file is still in review with an active sale date supposedly. Thereafter, I continued to follow up on my loan file periodicaly. Each time I was told that my loan file is with the underwriter. OnXX/XX/XXXX, the loan counselor informed me that, " they have 30 days from XX/XX/XXXX when the file was sent to the underwriter. It gets more interesting on XX/XX/XXXX, I recieved a one page decline letter dated XX/XX/XXXX ( as attached ). TodayXX/XX/XXXX, I followed up on status with XXXX counselor rep ( XXXX XXXX employee ID # XXXX ) who informed me that back on XX/XX/XXXX a  five page decline letter was sent out to me. Whatever is told to me, has often been different. She also added that, I have 2 weeks to appeal from the date of that letter, which time period has also passed on by now. During the review process, I have also had toprove that, I live in a multi family property of 4 units. At that time, I questioned the level of the underwriter 's competency. But again thereis not a way to escalate issues within the XXXX organization. I have also attached copy of theXX/XX/XXXX reinstatment statement from XXXX 's attorneys. Claiming all sorts of fees that are non applicable. My file should have been on Hold while i 'm in possible retention review. Aslo fees associated with the frequent mailings that they never sent out to us. Looks like XXXX is setting me to fail on this Home retention, which I will not. I provide shelter for numbe people and I 'm seeking justice in these mal practice matters.
Since the XXXX XXXX of XX/XX/2017 resulted in XXXX XXXX, XXXX has refused to disburse them to customers, despite all their peers such as coinbase doing so. 

Like many of their customers, Ive been waiting for the release of my funds for over a year now. 
Their communications has ceased, and although circle invest has been active for months, they still have not released our funds. 

this recent XXXX XXXX  as now phased out XXXX into two tokens. 

Their excuses have devolved into silence, and they have since changed their user agreement, which is malicious and unethical. 

losses have run up to half a XXXX in opportunity costs.
I purchase a XXXX XXXX XXXX on XXXX/XXXX/XXXX in at the time they charged me a high interest rate of 9.64 %. I was a college student and I paid faithfully until I was injury on my job as a teacher assistant, then they came and taken the car from me in the year of XXXX, after I informed American Honda Finance Corporation my status, that I was on workman comp and I paid faithfully and they the American Honda Finance Corporation just up and taken my vehicle, which caused me hardship. The company did not even try to work with me, and I was paying what I could, the American Honda Finance Corporation repossessed my vehicle. I feel like they did me wrong, after I had purchased XXXX XXXX most of my life.
While in strong disagreement with terms without a signed agreement, my professional consultants were able to locate part of the principal error. 

We worked with my bank to obtain past information. 
Sallie Mae cashier check, at their request, for {$1800.00} dated XX/XX/2004 is not showing as part of the payment history to my account.
Equifax mishandled my personal information including my Full Name, Address, Social Security Number, and Birthday by improperly protecting such sensitive leading to the security data breach in XXXX of XXXX. 

They have put myself and millions of others at risk of identity fraud/theft due to their negligent security practices in handling this sensitive information. 

They are also attempting to capitalize on the situation by signing injured parties that they are responsible for up for " trial periods '' of their ID protection services. They are defrauding these parties with deliberately misleading terms of services that waive injured parties right 's to sue the company for such gross misconduct. 

I request that they rectify this situation by making credit freezing free for all injured parties involved in this issue, as well as directly contacting every person affected by this loss of information.
CFSI has reported two accounts to the credit bureaus as collections. 1 account is for {$340.00} and the other is for {$380.00}. Neither one of these belong to me and I was never contacted to dispute these accounts, they just appeared on my credit report. I have been a victim of identity theft and I believe that these accounts may stem from that. These account are not mine and do not belong to me.
OVER THE PAST 2 YEARS I HAVE TRIED TO GET ASSISTANCE ON MY MORTAGE. WELLS FARGO HAS NOT BEEN HELPFUL WHEN TRYING TO SEEK HELP AND I WOULD LIKE TO SEE IF ANY OUTSIDE PROGRAMS CAN ASSIST IN GETTING MY MORTGAGE PAYMENT LOWERED.
I opened a Best Buy credit card on XXXX XXXX, XXXX. My payments have been on time every month until XXXX XXXX. The due date was XXXX XXXX and with the excitement of the holidays and being out of town for New Years, I missed the payment. After I paid both the XX/XX/XXXX and XX/XX/XXXX amounts due well before the XX/XX/XXXX due date, I messaged Best Buy via secure messaging through their website requesting a late fee waiver. I was sent a standard response stating the fee could not be waived. I asked a 2nd time and mentioned that most companies strive to treat each customer fairly and on XXXX XXXX, XXXX, my fiancee also opened a Best Buy credit card. She missed 1 payment prior to XX/XX/XXXX so her history with the company at that time was even shorter than mine is now but her late fee was promptly removed upon her request, also sent via secure messaging on the Best Buy website. I let them know that I expect the same courtesy to be extended to my account. These accounts are in no way related so it 's not that we had already received our XXXX waiver per 12 mos. as is the policy for most banks. The 2nd secure message I received from Best Buy was the same response I received the XXXX time, a standardized message that was copied and pasted, again denying my request for a late fee waiver. I did some research on UDAP to see if they were allowed to grant a waiver for XXXX customer and not for another and actually found that the Card Act specifies the XXXX late fee on any credit card account should not exceed {$25.00}. Citi Bank, which finances the Best Buy credit card, is charging {$27.00}. My fiancee also works for a bank and they only charge {$25.00} for the first late fee. So not only is Citi Bank/Best Buy treating customers unfairly when asking for the first late fee waiver but they are also charging more than the {$25.00} standard the Card Act legalized. I would like this looked into in order to see if they are violating both Card Act for charging {$27.00} and UDAP for inflicting monetary harm on more than XXXX persons ( every customer charged {$2.00} more than the legal amount for their first late fee will add up to a lot ).
I was on a flight back from XXXX. They were advertising the XXXX XXXX credit card on the flight. Saying to sign up and received enough bonus points for another trip. They told me each leg of the trip was XXXX miles and the card would give me a bonus of XXXX miles- enough for my wife and I to return. I signed up for the card, paid the {$95.00} and received the bonus miles. In attempt to redeem them- I find that XXXX miles for each leg is not a reasonable flight. XXXX miles gets you a flight to another city where you have to stay overnight, then fly out the next day to final destination. If I want a reasonable flight then I was told the cost would be a total of XXXX miles plus {$170.00} in tax. The option to purchase the additional XXXX miles was {$2500.00} + {$190.00} in tax + {$30.00} processing charge. This is misleading and overcharging. To book these same flights on a cash basis ( using no miles ) costs less that {$1000.00} for two people to travel. This company has misled me, forced me to pay a {$95.00} annual fee, and pulled my credit.
Proof never received and I made many attempts to settle and pay half and payment was returned to me after they agreed to accept it. I disputed from the start and this is on my credit report. Florida statutes state that I am entitled to proof of the fees and issues. I am being charged appox. {$200.00} interest on a disputed collection account. I moved out of the apartment and was charged for water drip marks under the stove top, XXXX approx. {$40.00}, cleaning bathroom counter ( approx. {$40.00} XXXX {$600.00} for carpet cleaning. I asked to provide proof of expenses and issues they are claiming. I have pictures that show I left it in " clean '' condition and carpet cleaning was done by me prior.
On XX/XX/XXXX, put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.
I consolidated my student loans with Navient XXXX and I was on a Pay as you Earn repayment plan. There was some issues with my taxes and my wife 's income increased for a short period and was then gone. I had to recertify and went through process and tried to explain that I no longer have the income reflecting. I recently had a number of my loans forgiven due to issues with the XXXX XXXX XXXX and think it has something to do with it. Navient deined my request for an adjustment and have sent me a number different reasons with little to foundation. I am unable to pay these loans and will soon be in default. One of the denial letters states that my loans were opened in 1993 when I was just XXXX XXXX XXXX.
Contacted by collection agency H.P Sears about a debt I supposedly owed to a former property management agency. XXXX property management. In the amount of {$4300.00}. That was XXXX XXXX, 2015. It was the first time I ever heard about it. I was never contacted by XXXX property management or anyone else about this supposed debt until that day. So at first I thought it was a scam because he could not tell me why I owed so much. He just wanted me to pay it. Then went on to use threats of legal action from there legal department. I said I would not pay anything until I knew what I was paying for. Then he said it was for rent in the month of XXXX 2015 which is XXXX dollars but he said back rent was over XXXX dollars. I said I moved XXXX XXXX, 2015. How could I owe XXXX dollars? They kept my deposit. He said there was no deposit. I said Ok let 's move on what is the other XXXX dollars for? He said I do n't know but I will call you back in XXXX days with a itemized list I said OK do that. At this point I really though it was a scam but he calls back the next day and says he has the itemized list. I asked what was on it, he said about XXXX was for back rent XXXX for broken widows. There was no broken windows. I believe XXXX for screens and another XXXX for carpet cleaning and XXXX for labor but he could n't tell me what was fixed. I started to dispute charges and he said it better I do n't fight it. The best thing for me to do is is accept it and make an offer to them for XXXX dollars. I told him I thought this is a scam I never heard of this debt it 's been XXXX months the last time I spoke to anyone from the property management company all they said is that they needed the other set of keys. He said ok. I hung up and thought nothing else of it until I was checking my credit report and saw that XXXX was sent to XXXX credit reporting agencies. Like I said I never received a letter a phone call nothing. I do n't know how long the home was empty after I moved out. We had a brake in while I lived there and put in a alarm system. Someone could have broken in after I left. That does n't mean I 'm responsible for the damages and it 's unfair to try to make me pay for it. There were a few things wrong with the house so a representative form the property management company came by a few times and noted how well we kept up the house. Me and my roommate are both XXXX we were hardly even at home. If there was that much damage why not contact me right away so we could deal with it then not three months later. Because there was no damages that 's why.
I have chapter XXXX bankruptcy a public record on my Equifax report i was told by the bankruptcy court that they do not report to Credit Bureaus it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.
The original Creditor, XXXX XXXX XXXX located in XXXX XXXX, XXXX which is owned by XXXX XXXX XXXX, sent me to collections on XX/XX/2014. The company they are using to collect the debt is Columbia Debt Recovery located in XXXX XXXX. The original amount owed to XXXX XXXX was {$1800.00}. Columbia Debt Recovery has been charging interest on the amount from the day it was handed over. I have reviewed the contract I signed when entering the lease for XXXX XXXX and did not find any language that would indicate Columbia Debt Recovery was legally able to charge me interest. I have reached out to Columbia Debt Recovery and asked them to verify where in the agreement it indicated they were able to charge interest and the representative agreed with me and said he did not see language either and I should not be charged interest. When I asked to have my report display the accurate information, I was told they would have to get approval before updating it and never heard anything further on it. 
Since I was getting no where with this company, I submitted a dispute through transunion citing an incorrect balance as the reason. Once the dispute was complete it was updated with a note that the balance would be corrected. Instead of actually correcting the balance, they added on to the balance, making it higher. 
I am getting nowhere with this company and what they are doing is against the FDCPA. I get an update that my balance has gone up monthly, It has a negative impact on my score and will continue to be detrimental every time they raise the balance with their bogus interest charges. The original balance was {$1800.00} my balance now with the fake interest charges is {$2900.00}.