WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a very difficult time with US Bank. 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. US Bank always seemed to lose my paper work, which I constantly had to re fax. It also took over 4 months to issue me a repayment plan, which is pure fraud. Absolute smoke and mirrors dysfunctional game of fraud. After 4 months of being in review US Bank issued me a payment of {$2000.00}. My old payment was {$790.00}, and my gross monthly income is {$3600.00} per month. After 4 months it is very clear US Bank did not do my underwriting correctly or actually read my letter of explanation pertaining to my income. Based on my income can you legally give me a payment of {$2000.00}?
Genesis? XXXX Had received my agreed payment of XXXX on XXXX XXXX rather than the due date XXXX XXXX, 12 days early then in return added a late payment fee on XX/XX/XXXX of XXXX. They admitted the mistake through two phone calls and agreed the late payment should have not been charged because the payment was received early. They have also had a XXXX payment lost in the mail for a XXXX payment. They mailed the payment back to me and marked me as 30 days late on my credit reports being they did not receive the payment back until XXXX though they mailed it back to me so therefore XXXX payment was not late. They charged me XXXX late payment charge and marked my credit reports as 30 days past due. I would like my money back and my credit reports corrected. There is a conflict because of their Internet spokeswoman is the daughter of the manager in the building I live in, maybe this is the problem because I am in the right. I agreed with them I was over the limit but not late with the payment. There is a difference with being over the limit and late, these are late charges. This company is a rip off!
I contacted Collection Bureau of Ft Walton Beach , Inc by phone at XXXX on XX/XX/XXXX to inquire about account number XXXX on a collection letter i received in the mail in the amount of {$42.00} from the creditor XXXX XXXX. I asked the representative to verify the debt because i have never been to an office with that name. She stated it was for my daughter XXXX XXXX, who is an adult. I asked her why was this put on my credit. I filed for bankruptcy in XX/XX/XXXX ( case # XXXX in XXXX FL district ) and my debt was discharged. She said they did n't get the account until XX/XX/XXXX. This account does not belong to me and I asked her to remove the account. She released the line in my ear. I called back and got VM. I left a VM with my case number and got no call back.
I sent an email to XXXX for verification of debt. To date I have not received any information from them, only a phone call. I have requested several times that they send me information detailing the debt that I owe, they will only state the information on the telephone and will not provide me with written verification of the debt.
We are filing a complaint against our mortgage lend er Wells Fargo ( WF ) for esc row distortion and intentionally forcing our loan into delinquency due to inaccurate adjustments to the loan payments.   After an escrow analysis had apparently been performed on our loan, it was decided by  WF, th at our payments would increase from {$1300.00} to {$1400.00}, this {$110.00}, increase strained our finances because we had already lost approximately {$600.00} in social security income that we once received for caring for our sons special needs. Since these benefits have stopped almost 1 year ago, it was near to impossible for us to keep up with these increases.   Due to the statutes under the Home stead exemption program, we are exempt from paying any county taxes and our mortgage l ender WF, has errone ously increased our payments overtime due to tax disbursements which they have made to  XXXX  County on our behalf. Our home is also located outside of the nearest considered city limits which allows us not to pay any city taxes as well.     We are requesting that these corrections to our escrow accounts be made right away. Furthermore, WF, has threatened to place our loan into foreclosure on  XXXX   XXXX ,  XXXX , if we do not pay all of the outstanding balances of our loan.   We have raised previous grievances regarding this matter on  XXXX   XXXX ,  XXXX , and nothing was done to correct this matter then.   Modified - - - XXXX  c harged to acct.   Payment changed from {$1300.00} went to {$1400.00} * XXXX .  XXXX ,  XXXX  -- {$1900.00} *Last paid  XXXX   county tax (   XXXX   XXXX ,  XXXX  {$1800.00 } )
I'm XX/XX/XXXX an employee of XXXX XXXX XXXX called and text co -workers ( more than one ) of mine inquiring information about my husband and I for the personal gain of  reposessing the car ( a car loan currently being serviced by XXXX  ). We fell on hard times with one income like many consumers and we were trying to work arrangements with XXXX XXXX XXXX but that does NOT give the right for any employee of a Collection Company /XXXX  to allow employees to contact un-authorized 3rd parties for gain. The Collector at XXXX XXXX XXXX disclosed how far past due our account was, disclosed it was out for Repo and she was actively looking for it to reposess it because " that's what I do now Repo Only ''. She discussed a private conversation my husband had with a Supervisor at XXXX when he called to make a compalint aboutbthe matter that occured on XX/XX/XXXX. This Collector was bosting as if she was proud. As if tbis was " normal repo practice for Collectors at XXXX ". She asked where I worked, if my Car was parked outside ( referring to.my place of employment ), she asked what my husband and I drive. We immediately advised XXXX of this as soon as it occurred on XX/XX/XXXX. They have not offered anything to help us with the humiliation, pain and suffering this has caused our entire family. Instead we were told by there legal.counsel that our account WILL go back on the dialer as of XX/XX/XXXX.  This is unfair and against our rights as consumers.
Can't XXXX Was Notified that they are not reporting to XXXX four months ago and still not reporting and reporting the wrong payment on account
all credit agencies reporting past 7yrs outdated since 2006 and not my accounts ... remove all from credit files asap .... '' cap XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX
Experian report # XXXX dated XXXX XXXX, 2017 has XXXX HARD HITS on it due to the fact that EXPERIAN is reporting incorrect information and damaging my FICO score. Causing bank XXXX to repeat inquriues This must stop and be corrected.
I opened an account with CITIBANK online by following the links of an advertised {$400.00} promotional bonus for opening the account and retaining a balance of {$15000.00} for 60 days-90 days. The opening deposit was made on XX/XX/18 in the amount of {$15000.00}. 

I have not received the promotional offer as of XX/XX/18. I have made multiple calls and online chats to no avail. I first contacted customer support around XX/XX/18 and was told to call their new account service line XXXX and basically ask them. When I spoke to the representative I was advised the promotional offer would be reflected on XX/XX/18. 

As of XX/XX/18 I did not receive the promotional bonus. I contacted customer support again via chat on XX/XX/18 and was then told that the promotional code was not reflected at the time of opening the account and that it needs to be " ENROLLED ''. I brought it to their attention that I followed the links on their website ( I am not sure how this got lost in translation or why it would be difficult to verify and apply ). At this time the representative filed a case ( # XXXX ). 

I called the new accounts service line XXXX on XX/XX/18 to get a status and I was told the case review process would take up to 90 days so I requested to be transferred to a supervisor who advised the case review process does not take more than 10 days and that I should see the promotional bonus reflected on XX/XX/18, he also advised that he had placed an " expedited '' request. 

On XX/XX/18 I contacted customer service via Chat and was then told the case remained open and there was nothing that can be done and to call the new accounts service line during the business week. 

I called on XX/XX/18 and was AGAIN told the promo code was not enrolled ( again I followed the links on their own website for this ) and was abruptly transferred to a " personal banker '' who tells me that the case has not been review and it is not guaranteed that I will receive the bonus offer. 

Needless to say this has been a very unpleasant experience ( It feels like shenanigans to not pay in hopes of making eligible new account customers close accounts and leave or extent and drag the timing of such payment as far as possible ). 

Citibank has not honored the promotional offer and is acting in bad faith.
Listed on my credit report is a XXXX collection by XXXX XXXX representing XXXX XXXX Bank for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX Bank. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.
I am on social security. I get my funds via a direct express card that SS insisted I use. I get no bank statements as they cost money I do not have. I called direct express the automated line to see why I had no money left. I ended up talking to a very helpful clerk who very patiently found 3 problems on my account. 1 XXXX company 's were continuing charging me when I had cancelled the services 3 days after signing up on line. So at first the clerk thought we were just dealing with a one month issue.however she took it upon herself to check back and it turns out they have been charging for services I have not received .I had cancelled The clerk opened two tracking numbers then had to cancel them and finially told me to just write it up and send to them. And I need to get the cancellation date and the confirmation number as well. Ok I have done that I have been cking monthly with direct express. What I was told today after I had given them my SS birthdate address phone number to the XXXX person I talked .this had to be done everytime. So why am I not recueving any notification in these as to what 's happening? 2 I was told it was past time they were all closed and I could only go forward with the XXXX charge as I waited to long to do anything. All three company 's started this charging in XXXX. The rep and I on the very first one filed for all XXXX comoanys. And it took me too long times up but wo n't tell me the required time frame which does not matter as they were all done at same time. Now I have already called merchant got can date and conf number and sent to direct express but it 's not I. There notes sorry. Therefore I did n't do it so I ca n't appeal them. This over XXXX dollarrs I 'm being overcharged for service I did n't receive. Now direct wants one paper for each charge this is lydicrous. Rent to own.XXXX and XXXX. Details XXXX said free credit report but was XXXX for one mo then XXXX and XXXX monthly if I happened to spend myoney b4 they got they would n't get for that Mon I opened on XXXX XXXX-cancelled XXXX/XXXX/XXXX with XXXX XXXX number XXXX XXXX XXXX XXXX XXXX. Charged XXXX XXXX,XX/XX/XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX. Rent to own said would have house rto but they only had foreclosures.opened XXXX XXXX cancelled XXXX/XXXX/XXXX conf XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX opened XXXX XXXX, cancelled XXXX XXXX XXXX. XXXX XXXX XXXX. Banks track number last XXXX,. I now pay for my Mon statement. How many ither XXXX seniors r getting ripped off as well. I just want ant my money back that 's all.is that too much to ask.
- Agent of company threatened garnishment prior to notice of court proceeding to collect debt in a manner that suggested that they were already moving forward with garnishment.
- Agent of company advised my wife on first contact that she did not represent a collection agency, but represented an attorney 's office. Later communications suggested otherwise.
- Agent of company stated that she was moving forward with notice of court proceedings while my wife and i were attempting to set up payment arrangements. While we were discussing payments, agent stated " i 'll just send your wife 's notice. I wo n't send yours ''. The agent used the notice as a harassment technique as we were attempting to come up with payment arrangements, we advised that we would comply with payment arrangements and even followed through exactly in the time frame agreed upon to get information in to determine payment amount.
- Agent stated that they would not consider any hardships in payment arrangements. Stated would not consider family size or other recent hardships to determine payments. Stated would look at paystub and determine garnishment amount and base payments off of that. Agent stated that tax agency already had a judgment so would not take any less than what is needed. 
- Agent repeatedly placed my wife and i on long holds throughout conversation that had nothing to do with collection call. Agent stated that she was talking with multiple consumers during call and used hold as an attempt to frustrate us and get us to comply with demands. 
- Agent intentionally did not return voicemails left for 3 days in order to not talk to us until required day to send notice of court proceeding to collect debt. 

The agent of this company, XXXX XXXX, used threatening and inaccurate statements as well as unfair and deceptive practices in order to gain a higher payment and to get us to make immediate payment. The practices the agent took can threaten my job and were done with the intent to unfairly put her into a position of power.
Credco has placed a hard inquiry on my XXXX report prompted by XXXX XXXX, I did not authorize this and have contacted XXXX XXXX and Credco to have it removed.
XXXX , TransUnion, and   XXXX   the  XXXX  credit reporting agencies have failed to remove after three letters from myself to remove Unverified information from my consumer file.  XXXX   XXXX   XXXX   XXXX   XXXX . This in violation of Fair Credit Reporting Act.   If said information is not removed then monetary damages will be pursued under Sect ion 616 and Section 617.
Equifax is not properly maintaining the accuracy of my credit report and multiple disputes and a prior complaint to the CFPB has not resolved these issues. In fact it seems the more that I dispute and complain the lower my credit score goes. I am convinced that Equifax is intentionally lowering my credit score as a punitive action to discourage me from disputing inaccuracies and complaining to the CFPB. Currently my Exquifax score is XXXX points lower than my XXXX score and a fill XXXX points lower than my XXXX score. It just seems awful suspicious that my XXXX and XXXX scores ( XXXX recent dispute each ) keeps going up as I work to improve my credit and my Equifax ( XXXX recent disputes and XXXX complaint to the CFPB ) keeps going down. My credit scores effect many different aspects of my financial well being and I find this sort of petty vindictiveness appalling.
To Whom  It May Co ncern, I have reason to believe th at Navient incorre ctly debited my checking account in the amount of {$190.00} on  XXXX   XXXX ,  XXXX . Upon entering my agreement to obtain federal assistance, I was specifically told that my grace period ended  XXXX   XXXX ,  XXXX . I was never notified that this date had changed to  XXXX   XXXX ,  XXXX  and on  XXXX   XXXX ,  XXXX  I received an email indicating that {$190.00} would be debited from my account later on that day. While I understand that mistakes happen, the fact that I was not given the proper notification for a change of circumstance on my account is deceptive and extremely unacceptable. When I contact ed Navient about this matter, the customer service representative that I spoke to indicated that it was my duty to  submit documentation evidencing my full-time status in order for my account to be credited back the {$190.00} that was taken. Placing the burden of investigation of a consumers complaint/inquiry is inconsistent with basic consumer protection law, and as a result, I would like to file a formal complaint against the loan servicing agency.
I was recently pre approved for a kohls credit card then I got a letter in the mail stating " We regret that we are unable to open an account due to lack of existing credit information on your report based on report obsessed by XXXX either this company Koh'ls is lying  that they checked my credit report or they were given false information on me by XXXX XXXX I would simply like for this Inquire to be removed or be sent a report of information provided to Kohl 's . Application # XXXX
My loan was cleared to close and my mortgage company sent me mydisclosuress. I looked everything over, signed them and returned them. 3 days later I get an email with another set of disclosures with about $ XXXX more in loan fees. They claimed I changed the loan terms to cash out and raised ltv. Nothing changed on our end from the original disclosures I signed numerically to the second set they sent with the fees doubled. I was finally told someone made a mistake on the rate lock and I 'm paying for it. I was forced to close the loan as it was for permanent financing and I absolutely had to close. I spoke to an attorney and I was advised to file a complaint here.
Company AFNI is stating that they're attempting to collect a debt in the amount of {$220.00}. These was never a debt own to XXXX at anytime. I did in fact reach out to XXXX and they stated there has never been a debt with them.
Creditor says the filed Letter Of Completion months ago. The credit account was fraudulent to begin with according to Colorado State Law. I have attached a copy. Please remove from my credit history/report. XXXX XXXX admitted to filing the collection incorrectly because they did not provide me with an invoice explaining why I did not receive my deposit and why I owed extra money. 

I have been told this was filed with the Bureaus a while back but it continues to be reflected on my credit report.
XX/XX/XXXX I have made wire transfer of {$2400.00} for apartment rental, which I found on XXXX. Within 3 hours I realized that it was a fraud and notified Bank of America to cancel wire transfer. Since recipient account was also in Bank of America the bank had full control over money and power to investigate. So I thought. A week later and several phone conversations with BoA financial claims department ( claim XXXX ) I have received official response letter suggesting to " contact the other party for further assistance ''. To contact fraudsters " for further assistance ''??! I have complained to BoA Escalations ( case number XXXX ) whose response on XX/XX/XXXX was simply a phone number of claims department again! Finally on XX/XX/XXXX I was contacted by BoA senior investigator Mr XXXX XXXX whom I've provided all pertinent information about fraud. I have not recovered lost money and want to complain about Bank of America handling of my request to withhold transfer to fraudulent account.
I just looked at my credit report and was shocked to see the numerous amounts of errors XXXX  have listed. I am filing a complaint to have remove them immediately. XXXX Report Number : XXXX, claimed information that is incorrect and error on my credit report as accurate and verified. Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I received a letter from XXXX XXXX/XXXX   only that was not validated or verified proof of the late payments that are reporting on my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to, promptly delete all information which can not be " verified '' I " validated '' that I have disputed. I have not received any verification or validation of late payments reporting from XXXX XXXX XXXX and XXXX XXXX in which was originally reporting 30 days late and was updated on my credit report to " ND. '' IDENTITY THEFT REPORT ATTACHED.
I get numerous calls daily from XXXX different numbers that all seem to lead back to the same place, which I believe to be a scam. The XXXX numbers are XXXX, XXXX and XXXX from XXXX women named XXXX XXXX and XXXX XXXX. They do not answer the phone with the name of the company, you have to ask them who they are, they just answer litigation or something of that nature. They give the name of XXXX XXXX XXXX as their company name, but can not find anything regarding that name, except a XXXX XXXX XXXX in XXXX. 
They claim that I owe a debt in the amount of {$680.00} from 2011, a payday loan through XXXX XXXX. I explained to them that I do not owe this debt, I have never taken out a payday loan, and why did it take them 5 years to finally collect on this debt. XXXX told me that since all things point back to my information that I am solely responsible for the debt and can not fight it, or it will be sent to court for collection. I did ask for a debt validation notice or something with my signature showing I signed for the debt. She claimed that she does not have that information and can not get it, that I would have already gotten it from the original debtor. I have asked them not to call me again, as I believe they are a scam! All I have are phone numbers, no address.
I never hired or authorized this medical doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX  XXXX XXXX with a 100 % coverage and no deductible even if I authorized the medical services ( which I did not ) I would have been covered by my health insurance provider. Furthermore I have no judgement in a court of law stating I owe this balance.
XXXX XXXX XXXX received all of the information needed on a stolen vehicle from in XXXX & XXXX but kept billing us late charges, fees, etc and claimed in the month of XXXX they did n't receive anything. We also did a conference call with the insurance company XXXX XXXX with XXXX XXXX XXXX which was recorded. The investigator from XXXX XXXX asked the XXXX rep if they have all of the Gap insurance information for their claim and she answered yes. They contacted us in XXXX 2017 and claimed they never received anything and sent us more forms we notarized and sent back and they still are billing us and sending us letters and statements about fees and extra charges. The insurance company paid them over {$16000.00} + but they are still trying to milk us. The auto dealership, XXXX located at XXXX XXXX manager stated they do this in order to drain you of more money, and they do it all the time to consumers. He sent them the information for a rebate of the protection package which was included over {$200000.00} financing at the time. The company XXXX was sent {$90.00} from that. They were already paid more then what the car is worth a XXXX XXXX XXXX and they are used to ripping consumers off for more. Tragedy! Somebody please help! These businesses make a living draining the consumers pockets! Every time we spoke to them even after the card was paid off they claimed we owed them more money before it was even settled.