WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I had an electronic transfer to the credit card company to pay off my balance. I was looking at my credit limit and accidentally quoted them the amount of my credit limit instead of my balance. by the time I realized it, to late. I figured they knew how to take care of it. Well, when they got the money with the extra amount they put the extra amount in like I owed it. Of course at the time I did not know this until I received a letter from them apologizing for the mistake. The letter was dated XXXX XXXX. So, ok, I figured they would fix it. So now on XX/XX/XXXX I get a bill that is charging me {$18.00} in interest. In the time between I also had a XXXX card with the company so I called in and asked if the credit I had could be applied to that second card. That seemed to be ok, so I canceled the original card. I'm older and I would sometimes use the wrong card since I had XXXX separate cards and really needed to par down on my stuff. They tried to get me to combine the accounts but I Only wanted to retain the smaller limit card, they finally accepted that. Sounds like everything is great, until I got that bill. I was so pissed about that {$18.00}, that I called right then, and of course get the recorder guy, waited through all that mess and repeatedly asked for representative. Finally I get a person but he n helpeeds all my information then he still doesn't work out, hard to understand with his deep accent, etc. So now I get a young lady, I'm really Mad by now and she can tell but she is real cool and tells me that the interest charge is computed daily and I am trying to tell her the account was closed and overpaid and the extra money was transferred to another account. She is still saying that the interest charge is from XX/XX/XXXX to XX/XX/XXXX. I'm still trying to tell her the account was paid off, a mistake was made and trying to read her the letter I got and she is saying to me that the interest is computed daily, needless to say she was not trying to help me understand anything and did not even seem to be hearing anything I was saying. Not once did she say, Mam lets see if we can figure this out or maybe a supervisor could help, NOTHING in the way of real customer service. And well, I really lost my temper and told her to cancel my other card and that I was going to complain on a national level and tell every person I know and Meet not to deal with their company.,
This Debt Collection company, United Consumers ( their # is ( XXXX ) XXXX keeps calling MY new cell # that was previously assigned to someone called XXXX. They have REPEATEDLY called, and when I try to tell them this isn't her # anymore, they just talk LOUDLY OVER ME, ignore what I'm saying and KEEP CALLING, AGAIN, AGAIN and AGAIN!! This is NOT EVEN MY DEBT THAT THEY ARE HARASSING ME OVER!! 

They have called on : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX and this are just the dates and times I started keeping track of to report them. They started called me in XX/XX/ when I first got this new cell #.
Greentree Tree is our mortgage provider every month they call about a late payment and about an {$270.00} lapse of home owner insurance Our insure XXXX has told them our insurance never lapsed! Here is a copy of a similar letter I have sent complaining about their harassment as they have called as early as XXXX and as late as XXXX eastern daylight saving time! This is my final request for you to stop calling my home and my wife 's mobile phone starting on the XXXX of each month ( our payment is always sent no later than the XXXX of each month ) when our payment by contract is only late if after the XXXX! The {$270.00} for home insurance is inaccurate our insurance never lapsed and XXXX has sent you proof of that fact! Acct # XXXX A COPY OF THIS LETTER IS BEING SENT TO THE INSURANCE COMMISSIONER
I filed a dispute on an item that was existing on my account. The account was paid in full and should have been removed. Experian did not remove the account but instead reapplied the same account dropping my credit score by 50 points.
I called Capital One on XXXX/XXXX/XXXX about late fees charged to me in XXXX XXXX and XXXX XXXX. I paid bill electonically from my checking account, but bank delayed both payments. XXXX was duecto holidays and XXXX because the XXXX due date fell on Sunday so Monday the XXXX was the next busiess date. I tried to have fees removed but representative declined to do so,
My engagement ring was purchased by my Husband XX/XX/XXXX. On XX/XX/XXXX it was put in to repair by way of the XXXX XXXX Jared Jewlers in XXXX maryland. I was told that I would get my ring back after the repair by XX/XX/XXXX as of today 's date I still do not have my ring and customer care for XXXX XXXX is unable to tell me where my ring is. After reading articles from XXXX from XX/XX/XXXX of other brides who 's rings after being sent to repair were loss, stolen or original diamonds were swapped I am very concerned that my diamond may be the next casualty in this horrific saga. I need help to find out where my engagement ring is. My ring is very dear to me, it 's sentimental to me my husband gave it to me and nothing the store can do can replace the original ring that my husband purchased for me. I am very devastated by not having my original engagement ring I await your response
OnXX/XX/XXXXi received a letter from Rmp receive more. The letter was about a debt that i disputed and sent certified to credit bureaus onXX/XX/XXXX The response they sent back is not really a debt violation. They did not send my original contract. Secondly this account is on my report but is stated to be for my son. They also violated the HIPPA LAW and included diagnosis.
My mortgage loan was originally with XXXX Bank XXXX in XXXX NJ. XXXX Bank took over XXXX Bank in XXXX 2015. From XXXX to XXXX my statement reflected no payment coming off of principal. It changed from the XXXX Statement. In XXXX 2015 my mortgage was sold to Statebridge LLC. I have since made XXXX payments to them and they are no applying them and claiming I am delinquent because first they state they did not receive my XXXX payment from XXXX Bank and now they are claiming that I have a XXXX loan and have to pay the accrued interest. They will not return my phone calls that I leave and I have left XXXX messages with XXXX Bank and they will not return my calls either. I am trying to refinance my home and Statebridge will not give my new mortgage company a payoff and they have told me they are going to hold it against my credit. Even though I have sent them four months payments and it has not been late.
XXXX / bank of america Issued a check to my loan with XXXX without my authority and will not recover it from the loan. Many many calls and hours on the phone with no results
I had a credit card with Matrix who sold to Continental Finance. The limit was {$400.00}. They began charging a fee each month and all was fine with my payments until I was XXXX and had to go through XXXX. I got behind and filed my creditors with XXXX XXXX XXXX, this credit would " not '' work with them and continued to charge me {$35.00} a month for late fees so now I owe like {$800.00}. I finally worked out an arrangement with them to take a payment each month to try and resolve this debt and they took XXXX or XXXX payments from my account. I planned on {$45.00} begin taken from my account on the XXXX or XXXX payment but they attempted to charge me {$70.00} and I did not have enough money in my account to cover so the payment was returned. When I called them they said I agreed to pay {$70.00} after the XXXX or XXXX payment, I do n't remember and I said I ca n't afford that, and asked for them to take less but they said no. Now they are saying that I wrote a bad check ( and I did n't ) and then they said I gave them fraudulent bank account information ( but I did not ) I called to speak with XXXX telling him that I was having problems and considering filing a Chapter XXXX and in the middle of this conversation a man got on the phone, said he was the manager and begin yelling at me and when I would n't bow down to him, he hung up. I continue to receive phone calls from XXXX, XXXX and now a recorded message from XXXX XXXX and they continue to say that I wrote a bad check of provided bad payment information and that this is illegal across state lines. The only thing that I am guilty of is not having enough money in my account to pay what they require I pay and for not being able to include them in a CCC plan payment.
I have had this company credit card since XXXX and never missed a payment well on the months of XXXX and XXXX I had a tragic family event happened where a close family member XXXX XXXX  XXXX in a car accident and I tried paying to pay my bill but it wouldnt let me after several tries I was able to the next day but they gave me XXXX late payments and it damaged my credit drastically
On XX/XX/<YYYY> I got in touch with the Loss Mitigation department from LoanCare where they were asking for my XXXX COMPLETED SIGNED AND DATED BY ALL to be signed and completed by all. This was part of the requirement in addition to the XXXX that I submitted. I followed up with Loss Mitigation on XX/XX/2016 via email and voicemail, but havent heard back from them. I called them today as well and am still waiting to hear back on where we are with the form. I placed a call but get disconnected when I enter my information or try to login to my account online to schedule a payment. It is almost a month since I heard from them regarding this form and would like an update.
I recently had an appraisal ordered by Cardinal Financial Company ( NMLS ID XXXX ) in XXXX of XXXX to remove PMI payments since I had purchased the home with less than a 20 % down payment. The appraiser that Cardinal selected ( XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX, NJ XXXX / State License # XXXX ) had been incorporated in XXXX in XXXX of XXXX meaning the appraiser had only 3 months of experience prior to conducting my appraisal.When I first bought my home Cardinal used a reputable appraisal company with a network of qualified appraisers which appraised my home at {$540000.00}. The new appraisal done this year appraised the home at {$520000.00} which significantly undervalues the home. The appraisal was conducted under incorrect assumptions which the appraiser noted on the appraisal as Subject property has not sold since the borrowers purchased the subject in XX/XX/XXXX'' and also No updates in the prior 15 years. '' There were no other deficiencies listed as the home is in very good condition. When I pointed out that this was false, the appraiser revised the appraisal and took out the incorrect assumptions, but did not adjust the values which were based on these incorrect assumptions. The appraiser used 50-60 year old homes to appraise a home that was built in XX/XX/XXXX. Cardinal Financial Company failed in its responsibility as a mortgage servicer by not selecting a qualified appraiser. I would like Cardinal to pay for an appraisal. The appraiser, XXXX XXXX, XXXX also failed in its duty to do a thorough mortgage appraisal and when mistakes were pointed out, they did not adjust the values. The appraiser spent a total of 5 minutes appraising the home and the report itself was very haphazard. 

This debacle has forced me to continue to pay PMI Insurance at $ XXXX/month even though it's obvious to anyone with familiarity of the local housing market that I have more than 20 % equity in the home. The servicer refuses to allow me to speak to someone from their PMI/Escrow team. Cardinal 's customer service team has stated that they " do not have a number to that team. '' I learned on XX/XX/XXXX that Cardinal is transferring my loan servicing to XXXX XXXX   after I launched my complaints. The loan was already sold to XXXX XXXX and there was no reason offered for switching the servicing of my loan to another servicer. This servicer obviously has no idea that I am currently disputing the appraisal value and my PMI premiums. This is an attempt by Cardinal to get out of paying for a new appraisal and potentially having to pay me back for PMI premiums I should not have paid.
Hello - Navient ( prior was XXXX XXXX ) was my loan server for many years. I feel that I was misinformed MANY times about repayment loan options. NEVER was I told about The Federal Loan Forgiveness Program option so I continued to make payments to Navient. I have > {$90000.00} is student loan debt AND work for an eligible institution that meets the qualifications for loan forgiveness. I 've been working with this institution for 13 years. 

If they would have been forth coming in my options, told me about the Federal Loan Forgiveness, I would have transferred my loans to the Fed Gov, met the 10 year payment requirements by now and the rest of my loan debt would have been forgiven. This is very upsetting. 

In the past year ( after finding out about the Federal Loan Forgiveness Program ) I transferred my loans to XXXX XXXX. 

Do I have any recourse?
My credit report has six inquiries from same company over last two years they just did inquiries again XX/XX/2018 I do not use this company and have no association with them or affiliation s of the company.
Capio Partners has put a collection account on my XXXX credit report. I have paid this account in full.
Upon receiving a call from from XXXX with Conn 's collections dept., I was reluctant to pick up and wanted to advise them that I had recently came into full time employment and that my first check would be XX/XX/XXXX and that I would be more than happy to make some type of payment then. The collectors communication tactics were very poor and were very brash, belligerent, condescending, and he wasn't talking to me, but was talking at me. The collector was informed that the merchandise had stayed in a vehicle that was repossessed. I am a XXXX XXXX XXXX that was working part time, that was made to feel foolish and beneath him when he said, " So your telling me you haven't worked in 7 months? '' I said, " If you can see I had a deferment in XXXX, I could not have foreseen my company trends as far as employment. They started cutting my hours and as it was i was part time. I went from 25 hours a week to getting told I wasn't needed for the day. '' As if telling him I had been unemployed was not good enough. He was very defensive and I felt that his tone could have been considered abusive and belittling, there was no empathy when he stated, " You do know why we are calling you? '' as if to make you feel feel beneath them because you owe them .... 

After stating that I wanted to pay them even if I did not have the merchandise, but that I will not have funds till XX/XX/XXXX that's when he said so you don't have anything, i said I don't have anything, I'm literally negative, i can show you my bank account if you want. he then stated, " by then your account will be charged off or could go to legal '' Very misleading on his part because he failed to fully explained what exactly that meant by it could go to legal. So I stated so what, does that mean you are taking me to small claims court? He said, there is no telling it could go to legal, asset recovery, or some other department I do not recall. He was very deceptive when he stated legal and vague, I feel that he was in violation of many consumer rights. I do not want to have to deal with them every again.
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX. 
XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
I wrote EXPERIAN to dispute an inquiry listed on my personal credit report and I received some excuses why Experian did not act upon the disputed item or provide any documentary evidence to support the fact my credit file was released without permissible purpose. My dispute letters were mailed on the following dates : XX/XX/2018, XX/XX/2018, XX/XX/2018 Certified Mail, and a second copy of all prior disputes mailed on XX/XX/2018. [ XXXX XXXX XXXX, XX/XX/2018 ] is listed on my personal credit report and there is no indication of any account with this lender and XXXX  XXXX has refused to produce any proof of any credit application as required under 15USC, Chapter 94, and 12CFR 1002.12 requiring the lender to retain records for 25 months. My last dispute with Experian did not indicate that the INQUIRY in dispute was ever investigated, the dispute results indicate [ OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT ] and this inquiry from [ XXXX XXXX XXXX - XX/XX/2018 ] remains with no record it was ever re-investigated per my dispute letter of XX/XX/2018. This inquiry has been disputed four times with Experian and two times with XXXX XXXX, I was not provided any documentation that the inquiry in dispute was ever investigated or verified by anyone, including the XXXX computer. I also asked EXPERIAN to remove any non-account holding inquiries and that request was also ignored by their super computer.
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, California XXXX Phone Text : ( XXXX ) XXXX Email : XXXXXXXXXXXX XXXX : XXXX Friday, XXXX XXXX, 2015 Dear XXXX : I 'm requesting this letter. Importance, Next XXXX XXXX, 2015 at about XXXX, I 'm going to JPMorgan Chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and I need to get started the information and fill out the application for a car loan for 2015 XXXX XXXX, Final Price : {$27000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, sales phone : ( XXXX ) XXXX. 

Next XXXX XXXX, 2015 at about XXXX, I 'm requesting a car loan payment calculator for the monthly loan payment : {$420.00}, loan term : 72 months, APR : about 3.06 %, loan amount : {$27000.00}, total paid : {$30000.00}, and total interest : {$2600.00}. 

PLEASE check my account is history credit card or? and will sent to me email. Thank you much. 

Sincerely, XXXX XXXX XXXX Sent from my XXXX XXXX XXXX XXXX
Obtained student loan in XXXX in the amount of {$28000.00}. The balance is now over {$58000.00}. At one point i was on a payment plan but was removed from the plan after a year and never received information about re-enrolling in the plan. I fell several months behind, my credit was badly affected, and can not afford the new monthly payments. I called and spoke with a representative from navient on XXXX/XXXX/XXXX. We agreed to lowering the payment to {$320.00}, which I was hesitant about because that is still a high payment for my current situation, but ultimately I want to pay this thing down so agreed. The representative stated the payment would be auto drafted on the 3rd of each month, but they needed a payment that day. I told her I could not afford it until XXXX/XXXX/XXXX. She said that was fine, and it was auto drafted on the 30th and again 3 days later on the 3rd. So I paid navient {$640.00} in a 3 day span! Why could n't she off my first payment be made on XXXX/XXXX/XXXX?! After the XXXX/XXXX/XXXX payment was auto drafted, I get a letter in the mail stating I do not qualify for the repayment plan I already started! This is unacceptable and extremely frustrating. I have now paid navient about {$1000.00} on a repayment plan that will not put a dent in my loan and I will not be able to recoop. Had I known this, I would have rather tried forbearance. I want to pay my loans off. I do not want to be in debt forever. But it seems that is what navient wants, it 's cash cow. I propose an interest cap where the balance is 150 % of the original loan. Forgive {$15000.00}. I will pay {$45000.00} at 0 % intrest within 11 years. Please Help! XXXX XXXX
They are contacting family members regarding some account in 2012. Leaving threatening legal messages and stating they will come and take my vehicle. The name of the business is Fitzgerald Goldman & Associates and the number that keeps calling from a very rude lady at the following number XXXX
Two weeks ago, we started getting calls from Stellar Recovery from XXXX instructing us to call XXXX. When these calls come, no one is mentioned by name to call them back. We have not received any mailed past due bill regarding this fact. Back in 2008, we took a loan to pay off any outstanding bills-some of these were past due. Since this we have strived to make every payment on time. I have excellent credit scores. We have not called the number per warnings from other victims of this company. I was going to write them, but I do not have their address. I have already turned in a complaint to the FBI online. This seems like a scam to me. Please see what you can do and kindly give me a call at XXXX of a reply to this email. Thank you for your time and consideration ... XXXX
This collection is reporting TWICE on my credit report. with two different account numbers. XXXX and XXXX same dollar amounts. i don't know what they are trying to pull. This does not appear to be legal and it appears to be shady collection practices.
XXXX and XXXX are reporting incorrectly that I am 120 days past due on several loans with the Department of Education that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. I am going to list the partial account numbers for the Dept of Ed/Nelnet as well as attach a copy of my credit report. 

DPED/Nelnet : Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX.
Hello I called the company My XXXX XXXX on Friday XXXX XXXX because another company saying I owe that company money. I have never heard of that company and I have never apply for a loan. So when I call the company they did not have anything on me. The other company that is called XXXX XXXX is harassing me about a payment that I have never borrow from. I am getting threatening calls from XXXX XXXX, stating they will take legal action against me. So can someone help me please.