WillisBack/dataset-financial-user-claim huggingface dataset:
For sometime now, have made payments before which they state were never received, but have bank statements totaling over {$1000.00}, that I have repaid, they stated the invoice # that I had gotten from their employee were none existent, plus when I have put my loans on forburance they continue to call my harrass my co-signer, we were also miss lead about our private loan, did not know that it would be a never ending story, was ahead on payments, they kept changing my due date, how I ended behind?, then was unaware that my payments do not even make a dent on my my private loan, I am currently  XXXX  w/a   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   had a  XXXX  that   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , even after  XXXX  am   XXXX    XXXX , I have  XXXX ,  XXXX   XXXX   XXXX , constant   XXXX   XXXX  , a   XXXX   XXXX   XXXX   XXXX   XXXX   in my   XXXX   XXXX   XXXX  , I also have  XXXX  of my   XXXX   XXXX   that   XXXX   XXXX    on me @  inconvient times, I  have told the to send me paper work due to my  XXXX , they kept giving me the run around  &  wanted to have a friend who has been helping me for a while to make the payments, my co-signer also has been harassed even when I asked them not to call him during his difficult time when his wife was ill with a  XXXX   XXXX , it has been a long horrific experience, I finally got fed up & had to make a complaint, I had asked them before to look into the $ that they stated I had not paid, but had bank records of & they just kept giving me the run around as well, ...
I applied for a payday loan at ACE cash express and when I proceed with the application they did not tell me that they have to do a credit check because in the yellow pages it said no credit check but they are doing false advertising and if you applied several months or ago they will not ask you have any of your information has change they just give you a denied letter going off some old information and then storing your information so if you come back to reapply they still have your information they are not suppose to keep your information in their database because information on your report change over the months and years. They just do n't take out time to update their system so it can have the information up to date.
I received a call on my job today from XXXX XXXX, who is employed by ConServe. I have not given my work number to any agency nor permission to contact me on my job. The call was humiliating and embarrassing. My goal is to find out what my rights are legally. My major health issues and low paying job have prohibited me from making regular payments. The previous collection agency would tell me that I was refusing to pay loan when I did not make their minimum payment.
We filed a complaint with the CFPB in regards to our mortgage that we having been trying to refinance out of. We are told by the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that the deed Wells Fargo Financial recorded against the home was never approved.
I have been the victim of identity theft the following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXK XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Bank of america charged a late fees ( XXXX ) and interest of ( XXXX ) on XXXX missed payment of ( XXXX ) .. I called and got the late fees reversed and paid off all the purchases ( XXXX ) ... I was under the impression they would reverse the interest charges but it turns out they did not. I did not look at the account after that as I did not make any new purchases. To my shock i saw my credit score drop by XXXX points due to XXXX day past due balance of XXXX on this account ... when I looked at the statements I found Bofa charged {$1.00} per month on the outstanding interest of $ XXXX two months..this on an APR basis is more than 120 % ... .I can afford to pay this and that is not my problem ... but my problem is with these hidden minimum interest charges which result in such high APRs ... even though the disclosures state the maximum they charge on a delinquent account is 29.99 % ... there has to be some rule against this loop hole where banks can charge interest over interest ... at rates that are so high ... this can impact a lot of vulnerable people who do not understand this. This applies to the whole credit card industry .... 
I called Bofa XXXX times today to resolve this but they did not reverse the interest charges. I guess this is all covered in disclosures but there needs to be some common sense built in.
my husband and I are currently applying for a modification and we have left several messages for our assigned representative and his supervisor ... XXXX and a XXXX. we have not heard back from wither of them. I spoke to the collections dept who assured me that they would be in contact with us and neither of us have received a call. we have n't been denied or approved and the foreclosure process has started. I still have n't been able to get someone to call us back and we 've faxed in all the requested docs
I was contacted by the XXXX XXXX XXXX XXXX XXXX several times by a person identifying herself as XXXX XXXX, trying to get information. XXXX then called and harrased my XXXX+ year old parents telling them she wanted to help me which upset them because they thought something terrible had happened to me and caused my father to have health issues. Then XXXX called my work putting my job in jeopardy which eventually led to my termination. They also called my apartment complex and put me at risk for eviction and ruining my chances of employment with them as I had recently applied for a job with them. XXXX XXXX XXXX and XXXX XXXX destroyed any chance I had at making a living and then repossessed my car. They didn't give me any information such as where the car was taken or how I could settle the issue and get the car back. This should be regarded as harassment and should also be regarded as deffimation of character. I have also endured pain and suffering due to the loss of income and stress. I was only behind on 2 or 3 month 's of payments. I was then informed that the loan was discharged and settled with an insurance company. I received a letter saying that the loan was discharged and the account was closed. I had paid {$18000.00} for a used {$3000.00} car so I thought the loan was considered paid off and I was waiting for my title to arrive but it never did. When I tried to contact the Credit Union about it they told me it was up to the insurance company now but they couldn't give me any contact information. This type of collection practice and loan activity should be illegal and I expect full compensation for pain and suffering plus loss of income.
I requested my free annual credit report online. I was denied stating it needed to be done via mail. I printed, completed, and sent the requested form along with my ID and proof of residence as requested. I received a letter back stating I was not entitled to receive a free credit report because I had already received one, which is not true or accurate. I requested my report from all three credit bureaus at the same time and date, only one of which complied with this request and gave me my free report  online. I go through this with this credit reporting agency every year and I believe it is because I write several complaints asking them to correct my credit report because they have a very regular habit of reporting inaccurately.
My condo lawyer tricked my mortgage company into paying her money that I will owe them which is illegitimate - in two different instances. 
1 There was a nonjudicial foreclosure case against me based on false information and trumped up charges ( condo fees paid on time then refused, etc ). My own lawyer scheduled a Temporary Restraining Order Hearing with a Judge to challenge and stop the foreclosure action which required me to pay {$26000.00} to stop the auction sale. Hours before my hearing, I was told that it was cancelled because the condo lawyer got my mortgage company to pay her {$37000.00} - {$10000.00} more than the {$26000.00} required to stop the auction sale. I was deprived of due process, and my opportunity to challenge this illegitimate act before a judge. I now owe my mortgage company {$37000.00}. They did this without necessity, my knowledge or permission. Had they called me I would have told them not to pay and let me have my hearing which likely would have stopped it. I always pay my mortgage on time and have never had a problem with my mortgage payments or any other bills. 

2. I was recently accused of being delinquent in paying my condo fees and was prevented from speaking or voting in condo elections and was told I was not allowed to be on the roof deck because I was not in good standing. The Board president falsely accuses me of not paying assessments and told me that my mortgage company was paying them for me. I had no idea. No one told me. On Tuesday, XXXX XXXX, I spent two hours on the phone with Chase and only them learned that they had been paying my condo fees for 18 months, without necessity, my knowledge or permission. 

Furthermore, there is also a judicial foreclosure case against me, in which my mortgage company is a co-defendant. I have tried to communicate with the mortgage company lawyer, since I am now representing myself, pro se, to get information and to coordinate. He did not want to coordinate with me, which I guess is his right, but he also did not answer most of my calls and emails, except one refusing to collaborate. I asked him how many of my condo fees they paid and whom I could speak to and he did not answer. I think it is in our mutual interest to communicate and work together. I was disappointed. He could have at least told me how many fees were paid.
I contacted the banks Claims Team to file a complaint against a merchant. Once the claim process was complete and the bank agreed with the merchant I was shock in disbelief due to the decision was not based on facts. I expressed my concerns to the banks highest level of customer service and other branch management members. I also explained and told the bank that the merchant will and have resolved ( returned my over payment ) resolved this issue. Instead of the management team taking this experience and using it as a training tool, they ultimately called my work number and told me my account would be closed due to me filing over XXXX claims in over 11 years with various merchants. This was never an issue and was never brought to may attention until I complained about the unprofessional behavior of a few employees. The employee responsible for all of this negative interaction left a personal voicemail on my workplace phone detailing how he intended to close my account. As a result I have had several NSF check/electronic transactions returned unpaid. Retalliation is not the way to treat customers.I have all the names and contact number for all the employees involved. When I asked for a higher authority at the corporate level my request was denied and the now new manager of customer service said she as their to protect the regional designee from harm. I did n't understand this position.
Recently, Citibank sold their banking accounts to XXXX XXXX XXXX. We received numerous correspondence, stating the transition would go smoothly and without issues. That is not the case. We have yet to receive our XXXX XXXX XXXX checks and debit cards. Citi was supposed to keep our debit cards active until we received and activated the new XXXX XXXX XXXX cards, yet they just shut them off on or around XXXX XXXX. We are now faced with bills to pay, shopping to do, gas for our cars and we have no access to OUR MONEY. XXXX XXXX XXXX says they 're helpless and blames Citi. Citi is unresponsive and in my opinion uncaring. Now - we have had direct deposit for XXXX my wife 's and my paychecks into our checking accounts and they were to be deposited today. Guess what - no deposits have been made. We are now in a situation where I 'm concerned about being able to pay our mortgage and other bills due around the XXXX of the month. Our credit worthiness is at stake. We have maintained credit scores in the low XXXX for years and now we are faced with at best having to go to our credit union to withdraw cash and then take that cash to a Citi location which does n't exist anymore in Texas. This is an abomination and we will seek damages in an amount consistent with their inept handling of this matter. No one has any info about this and no one will own up to their respective XXXX-ups. This is our money and the banks have essentially taken away our ability to use XXXX MONEY. What are we to do???
CITIBANK NA., XXXX -XXXX, XXXX-XXXX-Television & Radio I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
My credit report has 42 addresses on it. Some are duplicates or variations of the correct address. I have had my identity stolen in past and only want my correct information on my reports
I have had a very difficult time with OCWEN. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Ocwen always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time understanding the overseas representatives. They have recently declined me and now I have a sale date of XXXX/XXXX/17, which my representative told me it was on " HOLD ''. Ocwen completely lied to me. My wife and I are XXXX, and XXXX years old. This system Ocwen has put us through was very confusing and difficult. I feel like Ocwen was not honest with us regarding how to avoid foreclosure. We are now in a very serious situation. We are very scared, and do not want to be homeless.
I have stuff in collections thats are not mine. Student loans and phone services are not mine. XXXX and etc. Also other things that was inaccurate that i dont evsn know about or even know how someone was able to do that. i was also a victim a identity theft
I have been trying to get TransUnion, XXXX  and XXXX  to fix my credit report for almost a year. They have items on my report that go back to XX/XX/XXXX every time I dispute anything they temporarily freeze my account while they are investigating, I have accounts that were closed past the Florida limitations limit but they still are reporting it, I paid and closed accounts in XX/XX/XXXX and opened another dispute because they were still on my report when XXXX  XXXX updated my score it dropped 69 points. In fact every time a pay anything down my credit score drops they take items disputed off then add them back on the next month I would like them to remove all paid accounts they also have two XXXX XXXX XXXX listings but its the same account its been duplicated I have asked that the closed duplicated one be removed but it remains on my report, XXXX  on the other hand has info that is not mine so when I try to answer the question they must have the other persons info and I get kicked out so I can not even order that report
I currently owe XXXX $ XXXX on my home with 22 % made on my principal payment ( $ XXXX home value ) and live in the US. I am currently just past year XXXX of my loan. 

At 20 %, I sent a letter to my lender stating that I would like my PMI removed, which they responded that I would have to have my home assessed to process the removal or it would automatically be removed at 22 % of my principal payment. This aligned with what I had read online and felt sure this would work. 

At 22 %, I was still getting charged for my PMI. I called and asked why it was not auto-removed, and they told me that because my loan was so new ( 3 years ), that the PMI could not be removed until 25 % ; additionally, the PMI would be automatically submitted for removal at the 5 year point ( XXXX 2018 ). They stated that I could send another request letter to remove the PMI prior to then, but there 's no chance it will get approved. 

I was under the impression that Federal Law states that the PMI MUST be removed at 22 % of principal payment. What are my rights as a consumer/borrower and am I getting taken for a ride? What is my best recourse for removing the PMI? Thank you in advance.
This company never sent me statements. I asked for copies of monthly statements. They failed to provide them.
In XXXX 2016 I faxed a letter to Experian with a copy of a letter that was returned to me as undeliverable with the address that was on my credit report. I asked them to remove XXXX from my credit report for inaccurate reporting. Nothing has been done yet. I have called and confirmed that they received the fax. They are refusing to delete and breaking the FCRA law.
XXXX lease was closed out 2015 A/c number XXXX XXXX  has a balance due of {$410.00} and a XXXX monthly payment that shows as due Equifax shows that a XXXX monthly payment is due Both are incorrect and XXXX has verified that this account is closed and nothing was due at the time it was closed
I signed up for 0 % for 12 months with XXXX XXXX with the account issued by Wells Fargo National Bank. On X/XX/17 I sent a balance transfer from my credit card to Wells Fargo and the balance transfer was rejected. I called my credit card and they told me the balance transfer was returned back to them as Wells said the account information did not match the owner. Since this occurred, Wells charged my account 900 roughly in interest. I want this rolled back and the overnight address provided so I can get this off the account.
I have a car loan with Capital one Finance and I am about two months late. Which I have been behind because I had to move out of state due to unforeseen circumstances I did explain that to them about two weeks ago. And they stated that they would notate that in my account. since then I receive at least XXXX calls and at least XXXX text messages daily. Now I would consider after XXXX calls it would be harassment if you send a letter leave a text and a voicemail. Yes I understand I have to pay my bills but XXXX calls at least a hour apart is ridiculous in any form of communication.
I have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XX/XX/2015
Bank of America violates the law by refusing to dispute a charge On BOA mastercard XXXX XXXX XXXX XXXX claim that was initiated for a transaction from XXXX in the amount of {$39.00} that posted to the account on XXXX XXXX, XXXX. Resolution sought is IMMEDiate permanent credit of {$39.00} and finance charges.
as of today  XX/XX/XXXX  I had to file chapter  XXXX , this is been on going now for the past 10 months  XX/XX/XXXX  and shellpoint mortgage trying to get a modification loan and have sent unless papers for a lower payment and a lower interest rate we are in an arm of 9 % now and will go higher and payment of   XXXX   per month on a  XXXX  home WHY and so sorry cant qualified for try again so buys them more time to foreclosure to kick us out I had told them over and over we DONT wont to loss OUR HOME we worked hard for for the past 16 years of living there brought in renters and so sorry cant get you a loan WHY this is our American dream being taken for us and no help for us PLEASE STOP THIS FOR HAPPENING AND HELP!!!!! THANK YOU!!!!!! Shellpoint mortgage are heartless and GREEDY SAY AWAY FROM THEM!! also we have been working with HUD to get answer when you try to go to get a refinance they also asked have you tried with your lender first that 's what we have been doing no help!!!!!!!!!!!!!!
I made a purchase at XXXX using my XXXX Credit card ( XXXX XXXX ) in the amount of {$12.00} on XX/XX/XXXX. 

In XX/XX/XXXX I noticed the amount had not been auto-paid despite the fact that in XXXX I enrolled in autopay. I called in and spoke with an associate to pay off the {$12.00}. She was very kind and said she took care of it. 

On XX/XX/XXXX I noticed that not only was the {$12.00} not paid off, a late fee was added meaning my call in XXXX had not in fact resulted in a payment made. I spoke with a young man who said the associate who assisted me in XXXX accidentally left a dollar on the payoff resulting in a further late fee on my account. He assured me that it did not actually go to collections which I found out later it did. 

At no point in time was I informed of any bills being sent to collections. 

I pulled a credit report in XX/XX/XXXX and saw that my credit took a negative hit due to a XXXX payment of a XXXX charged. I called XXXX  credit card services and spoke with XXXX who informed me that the charge was sent to collections in XXXX and that if the associate I spoke with in XXXX had assisted me correctly it never would have gone to collections thus negatively hitting my credit. 

I asked XXXX to pull the XXXX call logs and simply listen to them and hear that I called and made a good faith effort to pay. She said to do this I would need to send a certified letter to this address and then XXXX Credit Card Services will pull the call records. I sent a letter via certified mail to the name and address of Comenity Bank that XXXX told me to send a letter to. The letter was sent and confirmed receipt XX/XX/XXXX ( tracking number XXXX XXXX XXXX XXXX XXXX ). 

I received a letter from XXXX XXXX " Customer Care '' team on XX/XX/XXXX stating " We are in receipt of your letter ... requesting a goodwill adjustment to the information reported on your credit files. After reviewing our records, we find that we are unable to make any adjustments. If you have any questions, please write us back. '' My letter was detailed and requested a copy of call logs for proof that I called and tried to make the payment. 

I am horrified that an associate did not properly apply my payment and that I now have a hit on my credit due to her error. Credit is not something to be taken lightly and I have always taken my credit seriously. I am saddened that XXXX did not take the time to write a personalized response addressing why they could not make the adjustment. 

Furthermore, the request I am making is NOT goodwill, it 's to correct an error on their part. Please assist!