WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX ,   XXXX   I put in for a loan for {$150.00} And was approved, and received the funds.     On  XXXX   XXXX  I got a notice about that this was owed, but then on the  XXXX  I saw that a withdrawal was made in the amount of {$32.00} and change. Then I saw a few days ago in my account another sum of {$31.00} was taken making a total round off of {$65.00} from my account without permission.     I contacted the company about this twice by email and no response from them. So I called today,  XXXX   XXXX ,   XXXX   to further discuss this with them and let them know they did not have the right to take money from me without my permission. They tried to insist that the contract says automatic withdrawal is part of permission for contract but it does not say that. I read contract through before agreeing to this.     Now, I am in a situation where I need the {$65.00} back and the contract cancelled due to financial hardship. I am in a crisis situation right now and they do not want to give me back the money they took without my permission. As I told them, nowhere in the contract does it say I give permission for them to withdraw. I finally got them to get rid of that but I need the money that they took from me and the contract cancelled. As I told them, I can back out at any time and I need to. Told the Supervisor to take it to the C  E  O if he has to but I need the contract cancelled and the money back. Tried to insist they do not give refunds and like I told them it is money they took from me without my permission.     I need help getting this contract closed and my money back. They tried to quote  State  law to me but they do not have a leg to stand on. Please do something about this company before they scam someone else the way they did me.
XX/XX/XXXX Faxed Modification packet to lender XX/XX/XXXX left VM to  check up on packet with XXXX XXXX. Auto teller dropped me into this VM. no call back XX/XX/XXXX, eft VM with XXXX XXXX. no call back. 
XX/XX/XXXX Mailed QWR, left VM with XXXX XXXX, called back without putting account info in, got XXXX. informed me the docs submitted were in review, with another request for further documentation. Passed on list to client. 
XX/XX/XXXX rec 'd documents from client, faxed them to lender.
XX/XX/XXXX again called in without account info input, got XXXX, who transferred me to XXXX XXXX who told us that the file is in review for decision and that the foreclosure was on hold and sale date postponed. 
XX/XX/XXXX called in with out acct info input, got XXXX XXXX, who informed me that on XX/XX/XXXX the file was removed from review, and foreclosure was reactivated. Told that another representative who could address this change would call me back in 2 hours. no call. I called back and was told that this would not change and notice was mailed out on the XXXX. Client has still not received that notice. 


I am including the recording of the XX/XX/XXXX discussion. We feel that a simple phone call could have prevented this issue from occurring. we feel they were grossly negligent in their communication practice in such a time sensitive issue. We also feel they should honor what was told to us on XX/XX/XXXX and review our modification packet.
Thought I had changed " auto-pay full amount '' to " pay minimum '' prior to payment date, because I knew there would be insufficient funds in my checking account. Apparently I did not do it correctly, and the auto-pay for the full amount was processed. I was checking all my accounts on XX/XX/XXXX and saw that my balance was, in fact, considerably less than it should have been, and on investigating saw they had processed the full payment. I called immediately and they checked my account and said the auto-pay had NOT been changed, and the account was paid in full. I explained that was not possible because there were insufficient funds, and sure enough I saw my checking account had just penalized me for the transaction. The customer service experience was difficult, but I finally had someone who ( 1 ) made sure the auto pay was changed to minimum, and after speaking with someone else said they would take back the payment less the minimum due for XX/XX/XXXX, and all would be well. I checked on XXXX and the account still showed it had been paid in full, AND there was a fee for the returned payment due to insufficient funds. I called AGAIN, and was now told it was up to me to work it out with my bank, which made no sense. I called my bank and stopped all future auto payments with this card issuer. I wrote a message to them on my account, and got a ridiculous answer telling me that according to their policy they will try to take the full payment 3 times ( which will result in more fees for them ). They seem completely unable or unwilling to understand the problem and I am very angry I will be charged more returned payment fees and am powerless to do anything to fix it.
I have 7 inquiries that are not mines. I called the credit bureau and creditor they said it on me. Theres nothing they can do I told them it was fraud. Said give me proof. They said they couldn't it must stay on for 2 years. I need to protect my identity. 
XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX, XXXX XXXX ( BY ) -MAIL
I have spoken to XXXX XXXX, transunion, XXXX and XXXX multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the XXXX   credit card off of my credit report permanently, which never happened. It keeps getting reinserted by XXXX credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent XXXX credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of XXXX doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like transunion told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.
Receiving harassing calls, showing up at residence, knocking on neighbors doors etc, company states they don't have my contact numbers ( XXXX ) XXXX XXXX never changed, these contacts are also showing on the portal, I have requested more then once not to call and or bother me @ the residence, I asked that they take the proper avenues legally to protect there interest as Iam awaiting such actions and will be filing bankruptcy. Freedom Mortgage has sent investors at late evenings disrupting residence, I have asked numerous times not to bother me or harass me today again XX/XX/XXXX attached letter taped to my door,
I have a Student Loan from XXXX and XXXX through Navient. 
1. They do not mail statements.. 
2. XX/XX/2015 I was involved in a XXXX ... stopped school. 
When we moved from XXXX to XXXX I called them and wanted a forbearance ; first they declined.. then since I was unemployed they offered me XXXX. 

3. Within a week they listed my loans on my XXXX credit reports as being as agreed to late and delinquent lowering my credit score from XXXX to XXXX. 

I contacted them ; emailed them through their site and told them of the problem.. employers chk credit scores for medical and when you are around locked XXXX, etc. TNavient then directed me to different directions and for XXXX months this has been going on and all I get are excuses and no action. 

Ca n't get a good job with a low credit score and they refuse to change it.
This company added to credit report XX/XX/XXXX and shows placed for collection on XX/XX/XXXX.This is not true as I have copies of all of my credit report from this date til now and I have never received any phone calls or letters from this company regarding my debt with this company til now.
I signed up for XXXX XXXX so I could lock/unlock my credit report from Equifax by pressing one button on their website. I had to unfreeze my credit via mail, which was confirmed by Equifax on XXXX XXXX. I tested the ability to unlock the report on XXXX XXXX and re-locked it on XXXX XXXX. 

The next week I planned to unlock all three credit bureau reports so I could get new auto insurance. I tried to unlock my credit using the button again the next week on XXXX XXXX. Instead of unlocking the report, the Credit Lock Status showed as " Status : An error has occurred. Please contact customer support ''. 

Since then, I have emailed Equifax multiple times, and called both Equifax and XXXX XXXX well into double digit times. XXXX XXXX  kept sending me to Equifax 's freeze department to confirm I did not have a freeze on my account. I have talked with Equifax 's freeze department three times and confirmed three times my credit was unfrozen on XXXX XXXX. 

On XXXX XXXX, a XXXX XXXX rep took my information so that their IT department could fix the error is 2-5 days. There has been no fix. On XXXX XXXX, another XXXX XXXX rep told me she escalated the issue and the error would be resolved in 24 to 48 hours. The error is still present today. 

I keep getting told either they can not do anything, to call the freeze department again, or that they will " escalate '' it and get it fixed only for nothing to happen. I can not get auto insurance as a result even though I really need to switch my insurance.
I 've been paying on this private student loan for years. On XXXX XXXX, 2017 I received a letter from the student loan company stating that " We recently reviewed your account and created a new payment schedule. The previous monthly payment amount would not have paid your loan in full within your current repayment term, so your monthly payment amount needed to be adjusted. '' The new amount is over {$16.00} more per month. Additionally, when I submit a payment that is over the amount due the remaining portion is not added onto the loan each month. Its simply rolled over to the next month which they then say I owe less for that months payments.
On XX/XX/2018, I requested detailed debt validation to Portfolio from which I received no response. A second letter was sent but in the meantime, an attorney 's office mailed me a request for payment stating that Portfolio had contracted them to collect the alleged debt. A second letter has been submitted requesting once again very detailed information as stated by law for debt validation, so far without a response. All of my communication with Portfolio has been certified letter, so I do have concrete proof they are in receipt of my requested detailed information.
On XX/XX/XXXX a Presentment under notary seal of dispute and verify the alleged debt was sent to XXXX XXXX XXXX XXXX XXXX XXXX CFO XXXX XXXX. XX/XX/XXXX a Notary Certificate of Dishonor and Non-Response was sent. XXXX XXXX XXXX XXXX continued to send collection notices for this debt that they would not validate under the THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT. On XX/XX/XXXX XXXX XXXX XXXX XXXX accepted a permanent loan modification fully satisfying the alleged debt. Money Order # XXXX was accepted and applied to alleged debt on XX/XX/XXXX having the Contract statement written in a conspicuous place : Full Satisfaction of all Claims. The terms of the contract are clear according to XX/XX/XXXX Maryland Code COMMERCIAL LAW 3-311 & UCC 3-311. The alleged debt has not been discharged according to law. XXXX XXXX XXXX XXXX is now threatening foreclosure by way of the UNITED STATED POST OFFICE.
We wish to pay off our mortgage and contacted Bank Of America to get principal, interest and any fees that would be required. They gave these amounts verbally and offered to mail this free or fax for {$30.00}. We preferred to have a receipt showing the itemized amounts we were going to pay and went directly to the bank. The bank refused to provide an itemized receipt. They would only provide a receipt showing the TOTAL amount we paid them and the account number. We asked if we had the banks letter showing these amounts if they would use it showing what we had paid and they refused. They said ONLY the grocery store receipt was all we would get.
On XXXX XXXX at XXXX XXXX. I received a phone call from XXXX, which is one of the phone numbers that Well Fargo National Bank uses to call me about a debt. I answered the phone and said " Hello ''. The girl on the other end said " Hello? '' I said Hello, thinking maybe she could not hear me. Then she said, " Hello?, Hello?, Hello? '' and hung up the phone. 

The collectors from Wells Fargo call me every day, until I answer the phone, for that week. Then the next week, the cycle starts, again. 

I am working with a Credit Counseling Service to resolve my debt issues. Wells Fargo National Bank refuses the offers made to them by the Credit Counseling Service. Yet, they still accept the money that the Service sends to them, and they still call me every week to ask the same old questions - Can we do a check by mail to bring the account current? How did you get in this situation? 

When I respond that they are getting money thru the Credit Counselors, they respond that they have refused the offer. I remind them that they are accepting the money and tell them that that is the best that I can do. 

Wells Fargo sends me Settlement Letters stating that they are willing to settle for 60 % of the balance. But, at the end of the letter, they state that they will turn the information over to the IRS and that I may be liable for additional taxes. 

I am tired of the endless phone calls, the letters, their refusal to work with the Counseling Service.
Sent first dispute letter out on XX/XX/XXXX its was received and signed for on XX/XX/XXXX took them past 31days until i recevied a response, I sent them a second dispute letter that they received on XX/XX/XXXX telling them to remove the account from my report they failed again to respond and did not update " to in dispute '' on any of my credit reports or remove the account off any of my credit report i direct violation Fair credit reporting act, i want this account removed from all reports
I purchased the car from XXXX Autos who used Lobel Financial for the loan. Immediately after I got insurance they raised the monthly payments. I called them and asked for them to mail my new account balance to me or email it and they hung up on me. I called back they said I have to fax a request. Now I paid to fax my request and they say they do n't know where to send the fax. So I send another fax with the fax number to send the disclosure to and they can not confirm they received that fax. They wo n't let me speak with a superior. I have been getting the run around trying to get the balance owed since XXXX this year. I need to know the account balance it 's my right so that I can pay off my car in full so that I do n't have to deal with this company anymore but they refuse to give me this information. And everytime I call I get different people telling me different things.
I am trying to make bimonthly payments a month on my mortgage to lower my interest payments but PHH Mortgage refuses to apply that payment during the month and holds it until my regularly scheduled payment. This is causing my interest payments to be higher and making me pay extra towards my mortgage when I really should n't have to. 

I have tried contacting the company before but their monthly statement unfairly states that " any partial payments that you make are not allowed to your mortgage, but instead are held in a separate suspense account ''.
As of XX/XX/XXXX I was informed my identity was stolen from XXXX XXXX XXXX XXXX. This was do to the data breach in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX SS # XXXX
On Thursday, XX/XX/2018 at XXXX - I received a phone call from XXXX apparently XXXX XXXX . I answered the call, and it was a message that at first sounded like maybe it was trying to say " this message is for ... '' but it was really fast, and I could not actually hear any name, or distinguish words really. Then it switched to male-sounding automated voice that said " this is an urgent matter, we have been trying to reach you, please press XXXX [ or XXXX ] now, and we will connect you with someone who can help. Again, this is an urgent matter. '' Then it starts to repeat the message. I hung up. Then I called the number back within a few minutes, and it is answered by an automated system. It is a womanly voice, saying " Thank you for calling XXXX XXXX. Helping one consumer at a time. If you received paperwork from our office, and know your party 's extension, dial it now or dial zero and a representative will be with you shortly. Please be advised that this is a debt collection company and this is an attempt to collect a debt ... This call will be monitored and recorded for quality assurance. It repeats this message two additional times, and then it will hang up on you. But no one ever answers. So, my problems are 1 ) this number has never previously reached out to me, 2 ) I have received no notifications anytime recently regarding any past due amounts or debt collections from this company or others, 3 ) the only bills I have are all set up for autopay, and doctor bills are paid within a timely manner, so there is no reason for a debt collector to call me, 4 ) If they never answer their phone, then I will never talk to anyone, because I REFUSE to press XXXX or XXXX or any number to talk to someone, if you are calling me then you should be on the phone, or don't call. I strongly feel that this is an attempt to scam people out of money that they do not owe to anyone. I tried to report it to the FTC, and they directed me to this website.
I had a medical bill which was settled via legal action in full on XXXX/XXXX/2012 yet the Credit Bureau of Bessemer somehow bought the settled debt and has reported it ( 1 ) wrongly on my credit reports as the date they say it was incurred keeps changing and ( 2 ) when written via certified mail to send verification failed to do so three times. Yet when XXXX investigated it ( twice ) they somehow verified it to them ( not XXXX as they took it off my report for lack of verification ). So what gives? Even without verification of a non existant debt this collection agency can say one owes a debt to a credit reporting company and they will accept it with no documentation only the word of a XXXX debt buyer who pays XXXX cents on the dollar for accounts that may or may not actually be past due?
Experian is showing the XXXX XXXX XXXX/XXXX account as closed and should therefore be removed from the account. Furthermore, it is showing as having been showed to XXXX XXXX. I have never received documentation about this account being sold.
THEY ARE CONTINUING TO SEND ME BILLS FOR AN ACCOUNT I SETTLED ALMOST A YEAR AGO TO GET ME TO PAY IT AGAIN. THEY REPORTED TO CREDIT BUREAU AND DROPPED MY SCORE. I DISPUTED AND THEY CONTINUE TO REFUSE TO RESOLVE THE ISSUE
Since I have n't had debt to anyone for over the last twenty or more years I 'm concerned about the frequent calls from Rushmore Service Center # XXXX in XXXX XXXX, SD, a third party collection agency that gives me at least four calls a week. I have no need to answer the phone from them, a quick look on XXXX tells me who they are. The calls from them have been going on for several months now and they need to stop. I suspect they have the wrong number and need to correct their file.
( I have dates later on/for recent events but as issues started in XXXX, I am really unsure of the start dates. ) As I can show through documents, they have been reporting I 'm paying XXXX $ on my Navient Account History private loan/Tuition Answer statement. However, in my bank statements from XXXX XXXX and XXXX XXXX ( and for who knows how long prior -- I 'm working on getting those statements ), they 've been taking XXXX $ out. The bank shows the XXXX taken out on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and Navient shows the XXXX $ taken out/posted on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Also, the amount going towards principal varies in ways that do n't make sense. I realize that the amount can changed based on how much is owed. However, in XXXX of XXXX, XXXX of the XXXX went to principal ; XXXX/XXXX/XXXX XXXX towards principal of the XXXX ; XXXX/XXXX/XXXX an unknown adjustment of XXXX cents added to principal balance ; XXXX/XXXX/XXXX XXXX paid to principal of the XXXX payment ; XXXX/XXXX/XXXX XXXX paid to principal of XXXX ; XXXX/XXXX/XXXX XXXX towards principal of XXXX payment ; XXXX/XXXX/XXXX XXXX to principal of XXXX. Should n't the amount going to principal go up or at least remain consistent if the loan is n't going up and payments are posting on the same days each month? I have not called the company on this particular issue yet because I want to document how long this has been happening with an outside source first. I do not trust that left to handle it on their own, they would do so in an appropriate manner. I have attempted to address other issues simply to find myself on hold and with little clarification on issues. ( I also can not log in as myself -- it says I am disabled from it but my husband ( co-signer ) can log in. This tends to be a running theme. ) This is particularly true because prior to entering into the for-profit world, I found them difficult in terms of repayment options. This student loan is a private one that I took out while waiting for federal options to become available. The loan is significantly higher than when I started. I had a lot of trouble getting the payments lowered and was instructed more than once that my only option was pay the full payment amount at a high interest rate or forebearance. At one point, I was told the only way to get my interest rate lowered was to stop making payments ( to get a program that would be much like a mortgage relief loan but turned out to be a reduced interest program whose structure I still do not understand. ) The forebearance 's caused unpaid interest to capitalize ; which I was made aware of. Anyway, in XXXX I left non-profit and started making full payments. Now, I am finding that I am still not consistently paying on the principal and that they are taking out more than what they are showing as applied. I am working on going back to XXXX to see if they were taking out more than is reporting on the Navient website/account history for longer than the last 2 months. Where did the extra XXXX $ a month go?
I found an old check for {$10.00}, I deposited the check via mobile device. Apparently I had entered the check for deposit, months earlier.I did go through my account, researched the {$10.00}. I never saw the {$10.00} in any historical statements. TD bank reversed the deposit, they never explained why it was reversed. I assume I possibly had done a mobile deposit for the {$10.00} at a date, not on my statement. TD bank charged me {$35.00} for depositing the check.THIS IS OUTRAGEOUS! I need my {$35.00} back in my account ASAP. Feel free to publish the complaint, without my name.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XX/XX/XXXX to  XX/XX/XXXX , XX/XX/XXXX  to XX/XX/XXXX ,  XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.