WillisBack/dataset-financial-user-claim huggingface dataset:
I was injured at work. On  XX/XX/XXXX  i received a letter from New York state saying they made a determination as of XX/XX/XXXX  they felt i was still unable to return to work. My credit card was due on  XX/XX/XXXX , in an effort to be proactive before i was late on my payment I called barclays bank on XX/XX/XXXX at approx.   XXXX   XXXX   ( i have all calls recorded to and from the bank if you require copies ) and told them my situation that i waas unemployed, currently recieving public assistance and awaiting a disability hearing from social security and would be unable to make my payment. I was told that they would be able to help me but i had to call back after my account was late becuase nothing could be done if my account was current.
So i called back on XX/XX/XXXX  at approx   XXXX   XXXX   ( recorded ), the day after my payment was due, this time i was told yes they could help me but not until my account was at least 30 days late and that i should call back at that time.
On XX/XX/XXXX  i was looking over my accounts and noticed that my barclays card was now listed as being late and a late fee was applied. So i called back that day at approx.   XXXX   XXXX   ( recorded ), and after going over everything on the phone with them again only to be told " sorry theres nothing we can do to help you, good luck with your disability case '' so i contacted to office of the president at barclays bank on XX/XX/XXXX a woman called back from that office on  XX/XX/XXXX  and told me they absolutely could help me and put m on the phone with another rep. I again went through everything with them again only to be told sorry theres nothing that can be done.
I was illegally deceived under false pretenses into allowing my accounts to become late and these people refuse to do anything about.I am   XXXX   and unable to work, my life savings has been drained my 401k has been drained i have lost my home my cars and everything i worked for due to my injuries and the entire time still managed to keep my credit cards current until now, as i explained theres nothing left, these people used deceitful tactics to get me to allow my cards to go late with them, knowing hey would do nothing to try to help me, and now almost every day i get emails from them stating " your account is past due call us we have many options to help you get back on track '' Something needs to be done about this.
Original creditor loan me. Shark loan. These people should be shut down. Took out loan emergency situation. Did not need the whole {$3000.00} representative explained I had to and that I could pay it back in 24 hours. Intrest would be reduced substantially. Paid back {$1500.00} of loan immediately. Company continued to charge over 100 % of interest on the loan. Misleading tactics. Attempted to settle what was owed. Paid them another {$700.00} to settle and after they still insisted on charging me. Alleging I owed {$1200.00}. Loan was paid in full. Account sold to collection agency XXXX XXXX XXXX aka XXXX XXXX XXXX. I, my XXXX in XXXX and ex has received numerous phone calls and threats. This company is using unlawful intimidation tactics against me and relative 's. I have saved voice mails from these people full proof of what they are doing. 
Phone calls XX/XX/18 XXXX female states I will be at your place of employment and residence. 
XX/XX/18 ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, threats to come to my place of employment and residence. Final notice. Also called ex this day and time frame. Ex insisted for them to stop calling threat made saying I have a right and I am the law. 
XX/XX/18 ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Same threats and intimidation tactics as stated above. Same name clearly two different ethnicities. 
XX/XX/18 ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, stating failed response, will be at my place of employment and or residence to serve me. Final notice. 
XX/XX/18 ( XXXX, XXXX, XXXX XXXX. Same threats as referenced above. 
Received letter XXXX, XXXX from XXXX XXXX XXXX. Stating balance of nearly {$3000.00} {$1200.00} original amount the other so called interest they claim to be charging me. Attempted to dispute with credit bureau. No validation received from this company only a bill with unlawful interest and law suit threats. There are many more phone calls from this company I receive, including my relative 's and friends. They are in violation of the fair debt collections act. They are falsely representing that a legal proceeding will be taken against me unless the alleged debt is paid.
I have been writing letters to this company for more  than two years. I 've made several request for this company to investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation an d copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even thou  gh TWO YEARS has already passed.
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Alll I received from this compa  ny is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent Experian letters about two different accounts on my credit report. Requesting to verification of proof that I established. They never produced any original signed documents on XXXX nor XXXX XXXX These are unverified accounts. I do not own nether of the accounts
XXXX, XXXX and Credit Plus, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.
My wife and I purchased our home XX/XX/XXXX under an FHA mortgage from Chase. In XXXX XXXX, we refinanced with Chase to lower our interest rate a little. The refinance was also an FHA loan, so it included monthly PMI payments. As it 's been explained to me, PMI payments MUST continue to be made monthly for at least 5 years and the loan balance must be less than 80 % of the original assessed value in order to stop making PMI payments. When we refinanced, Chase 's representatives assured my wife and I that this 5-year mandatory PMI payment was based on the original date of purchase of our home in XX/XX/XXXX, not on the refinance date of XXXX XXXX, so we accepted the refinance offer even though the interest rate was less than half a percent less than our original XXXX. We were assured by Chase that this was the right thing to do, financially. In XX/XX/XXXX, I called Chase to ask what balance I needed to be at in order to stop paying PMI, and was told that I could n't drop PMI until XXXX XXXX at the earliest because the 5-year mandatory PMI payment resets from the date when we refinanced!! As a result of Chase 's failure to disclose this feature of the FHA refinance properly, I am now paying three more years of PMI premiums at a cost of several thousand dollars. When I asked Chase to stop charging me PMI, they hid behind the law. I told them I wanted them to pay the PMI out of their own ledgers since it was their deceptive practices that put me in this position, and they responded by parroting the terms of the refinance back to me and sending me a photocopy of a page from the mortgage documents that does n't address my fundamental problem. I understood the required 5-years of PMI when I got my original loan in XX/XX/XXXX, but nobody explained to me that the clock would reset when I refinanced! In fact, they told me the opposite. Chase argues that they disclosed fully, the nature of the loan, but they KNEW the terms of my original loan because they serviced it at the time of the refinance, and they ALSO KNEW the terms of my refinance because they wrote it?! Did n't it occur to anyone in their sales department to ask why a client would knowingly set himself up for another 3 years of PMI? As it turns out, my wife and I will probably stay in our home long enough that the refinance will end up making sense based on the interest rate being lower, but I should have started realizing those savings sooner if not for having been misled by Chase 's sales people.
I tried to get a loan modification from BOA for 4 years. I sent documentation over and over and they kept asking for the same papers over and over. In 2013 BOA informed me that it made a claim for payment on the FHA mortgage insurance. My mortgage was sold to FHA, then to a different company. I was instructed to continue negotiating with the new servicing company. Well ... BOA still convinced a judge to send my property to the auction bloc. Isn ' t that fraud? trying to steal someone 's house after claiming insurance money from FHA?
after requesting a Debt Verification letter I received the letter from the collection agency, stating they were unable to validate.
On XX/XX/XXXX, I received a text alert that someone tried to use my debit card for {$500.00} at the XXXX XXXX XXXX in XXXX, GA. ( I do not live in XXXX, nor have I ever been there. ) It was declined by my bank. I then checked my account and discovered two debit card charges in the amount of {$320.00} and {$490.00} on XX/XX/XXXX at the XXXX. I reported the fraud and my card was cancelled on XX/XX/XXXX. The card was in my possession at the time. Bank of America gave me credit while they investigated. On XX/XX/XXXX, I received an email that stated the investigation was being closed. The bank determined the debit card chip was read and they were taking the money out of my account. My debit card was ALWAYS in my possession. I was told that filing a police report would re-open the investigation, but they would probably not be able to find anything at this point. Bank of America could also not tell me the times of the transactions, only the date for the police report. My debit card was not the one used at the XXXX, since I was in XXXX, Ga at the time, with my debit card. I asked if the bank checked the cameras, but was told they don't have the authority. I would have filed a police report earlier so this matter could have been fully investigated. The banking rep told me that they don't require one. Bank of America has a bigger problem since it appears their debit card could be counterfeited. I filed a police report on XX/XX/XXXX with the XXXX County Sheriff Dept.
To whom it may concern I am disputing charges from XXXX XXXX totaling {$210.00}. 

TV services were installed and then cancelled within 24 hours due to XXXX XXXX in ability to provide the internet services initially agreed upon in my TV and internet bundle. 

Under Florida law I am entitled to cancel any contract within 3 days of signing. I did so within hours of the tv service being installed. Therefore invalidating the contract as well as the fact XXXX XXXX was unable to provide what they had agreed to. 

If you would like to pursue this issue further I request the following proof of debt 1. Contract 2. Proof of installation of TV 3. Proof of installation of internet * ( this doesnt exist ) 4. Recording of my call to XXXX XXXX   on the day of installation between XXXX and XXXX XXXX EST 5. Recording of second call to XXXX XXXX after the one and only bill I received from them. ( the representative stated that I owed nothing and the account would be XXXX out ) Credence RM refused to provide documentation and states only that it is valid. 

XXXX XXXX doesnt have any record of my account. They seem to have zeroed it out as initially stated.
On XX/XX/XXXX, I received an email from Great Lakes indicating that it had received my IDR application documents. I was not contacted to fix anything on my IDR application. I thought that I was successfully enrolled in IDR. However, I am now receiving past due notices. I am eligible for a {$0.00} IDR payment, and yet I 'm receiving past due notices of almost {$400.00}. 

I would like retroactive forbearance immediately applied to my account to bring it current. I would like my loans enrolled in IDR immediately. If Great Lakes does not have the information necessary to enroll my loans in IDR, I would like an email specifically indicating what additional information is needed to successfully complete my application.
Acting upon an email flyer to apply for a HELOC or HE Loan from Capital One ( I have a small savings account with them from the days when ING Direct was bought by them ), I applied. It has been almost a year since I had refinanced my XXXX mortgage and HELOC into a single mortgage with XXXX XXXX, and I was seeking to tap some of the equity in house and property appreciation and payments made to cover some upcoming expenses and some minor but needed house maintenance. I live in an area that appreciates well and am not a serial refinancer, so I asked for $ XXXX, which would take me up to what I thought would be 80 % LTV though I was okay with a somewhat smaller number if the appraisal did n't match up with my own research. ( This research said my best value would be $ XXXX. ) I earn $ XXXX per year and have a FICO score in the low-to-mid XXXX, so I thought this would work out to a useful conclusion with minimal closing costs. 

A few weeks ago, Capital One pulled the plus on its entire mortgage unit, but did not inform applicants until weeks later ( though news releases were done contemporaneously ). Just before this action, the appraiser hired by Capital One came out and came up with an appraisal completely at odds with all of my research ( which included a house down the street that sold 6 months ago and a market study provided me a year ago by a friend who is a real estate broker ), as well as the appraisal done at the beginning of this year by XXXX as part of the refinancing mentioned earlier. And, I do n't mean a less than expected result, but a result that was SIGNIFICANTLY less than any of these other data points. I complained, and sent in these other data points, but was told that the shutdown meant that no more appraisals would be done. As of today, they have turned down the loan, even though the mortgage specialist to whom I was talking assured me repeatedly that this would not happen and that all applications already in the pipeline would be fully processed out. 

It is apparent to me now that the appraisal, which is WELL outside the bounds of what could be expected, was engineered to support this result. So, I expect that many - if not all - applicants already in the Capital One pipeline can be denied to go along with the closure of the unit. It already has been very difficult to get ahold of folks at the call center, which I 'm sure is already being disbanded, so there is no point in seeking further relief from Capital One. Hence, I 'm filing this complaint, and trying elsewhere. 

The Mortgage Specialist was XXXX XXXX at XXXXXXXXXXXX and XXXX ext XXXX and fax XXXX. Here NMLS # is XXXX. The Appraiser is XXXX XXXX at XXXX.
XXXX at XXXX NY XXXX is calling my place of employment over and over re a debt they say I owe LOANME INC. I verbally informed the rep to not contact me at work and she rudely and forcefully insisted she could and proceeded to call 2 more times getting me in trouble. I then faxed a cease and desist letter also and they still called again.
In XX/XX/2018, I sent a letter to ProCollect Incorporated requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation that would verify this debt. They responded back via mail providing me with a billing statement. This does not VALIDATE the debt. It does not prove that I am obligated to pay this debt. They have and are continuing to report delinquency information to the credit bureaus that I am asking to be deleted.
My Department of Education loan has been in income based deferment since it became due in XXXX. The status has always been positive till XXXX, when it started showing XXXX late payments. I have contacted Dep of Education / XXXX with this issue. They stated that their report of the loan shows {$0.00} amount due, therefore the loan would n't have any late payments. XXXX customer service representative also explained to me that the incorrect reporting most likely happened when the loan was transferred from XXXX XXXX to XXXX. They provided me with documentation to submit to the credit bureaus for correction and also stated that they had amended their credit bureau reporting. 
I have submitted all the documentation to Equifax 5 different times. 5 different times Equifax came back stating they verified the information currently reporting as correct. That is a blatant lie! When Equifax receives a dispute, it waits 30 - 35 days and then sends a generic letter stating they verified the information to be correct. When I ask them to provide me with the sources who verified the information, I do n't receive a response. 
This is not my first complaint about Equifax 's reporting practices. When I submit a complaint, Equifax is quick to respond that the account in question is currently under investigation. I received a notification today that my Department of Education / XXXX loan 's investigation is concluded and the information currently reporting is correct. That is another lie! How can Experian verify the same information and conclude that their initial reporting was incorrect and amend my report and Equifax is unable to do so? 
When I call customer service at Equifax , the representatives are more interested in selling me a product than helping me resolve my issues concerning their reporting. When Equifax responds to the complaint that consumer has not supplied additional information, that is another lie. With this complaint, I am simultaneously filing another dispute with Equifax and providing an official letter from the loan institution stating the facts. Undoubtedly, Equifax will respond that the account is currently under investigation and results will be forwarded to me in 60 days. Undoubtedly, in 60 days I will receive yet another generic letter stating that all the facts have been verified as accurate, yet another lie! 
The level of negligence Equifax demonstrates when it comes to consumer reporting and dispute processing is absurd. And not just that, when they are called out on their deficiencies, the extent of their cover ups and lies has no end! 
I am submitting all the documentation with this complaint and also to Equifax once again. Equifax is violating my consumer rights under FCRA, Section 611 ( a ) ( 6 ) and ( 7. I demand immediate correction of my report and formal investigation into Equifax consumer dispute processing practices.
This company has called several times for a XXXX XXXX and I do not know this person and I have told them repeatedly that they have the wrong number. I have received calls from XXXX, XXXX, and XXXX XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX respectively. These are only the calls I received this week.
Transaction initiated on XX/XX/XXXXXXXX in the amount of {$3700.00} from Coin Base to XXXX account, Still in pending status, this should have taken about 30 minutes and now it is 36 hours. Contacted support and got no response. This may be fraudulent.
Back in XX/XX/XXXX I called XXXX inquiring about a phone I was told our old it to XXXX call XXXX and stated to them that I never received the last bill and that I still have equipment and if they sent me the proper shipment information I will return the item I spoke to a representative he gave me a confirmation number and stated that information would be deleted do to not notify me of last bill and not sending you boxes to pick up the equipment. I called again just to verify the confirmation number XXXX representative stated they werent aware what the number was I requested that a supervisor called me and I never received a phone call. After two months of XXXX I called in again stated to them that I never received a call from the supervisor is I still have the equipment and what do I need to do with it the amount that they are requesting was {$700.00} I did not owe that amount because they failed to get their product I stated to them that I would more than be more than happy to pay the last bill and that I cancel the services and they never updated their system.This whole process is in attempt to Hendering my credit due to in accuracy and failure to Process this matter accurately Ive called several times and have yet to hear from a supervisor and was told that the account was deleted and now I have a letter from a collection agency inquiring to collect the debt that is not owed
I closed my credit card account and paid my final payment. XXXX . I forgot to stamp my check in the mail and paid online. I called the company to inform them so that by the smallest chance they did receive my unstamped check to not cash it. They said they will make sure. Then they did cash it, I called the day of and freaked out because its $ XXXX. So they told me itll be 30 days before they can refund my money? So I told them I have other bills then they said I can go to my bank and get a bank statement and itll take up to 5 days. Its been 9 days and I called this morning and now it could be another 3-5 days. I just dont know what to do at this point. Thinking about calling my lawyer because I cant afford to pay my other bills. The company is mybjsperks mastercard
XX/XX/2017 Collection agency did not provide information to validate the debt. The debt was disputed as not belonging to the me.
my relationship began with XXXX XXXX back in XXXX, back then I was led to believe that if one had no credit or e=was even looking to re establish a line of credit that as long as I made on time month payments and was in good standing throughout the agreement I would be ok. as just stated it is advertised and in their contract agreement. I have never been one to really examine or even request for my credit reports until the summer of XXXX, I expect greater things in life such as a house, a car etc. so as I started analyzing my reports I noted that XXXX was in fact reporting to the credit bureaus however, they were limiting what was being reported. the biggest thing that creditors look for when determining credit worthiness vs risk is a consumers payment history, available credit limits, debt to credit ratio, actual monthly payments, and account activity. XXXX negligence to implement those most critical pieces of information while submitting the little that they did has really made difficult for me to build a name in good faith in my community. you see as of XXXX XXXX I started my own business and my business has suffered severely. I cant get a business line of credit, a company vehicle, and my insurance was out of this world. to date I have given to the XXXX XXXX over 35,000.00 and my only source of income at the time being is a monthly social security check however, every month they were paid and paid on time. their method of reporting accurate information is not fair nor is it right when will it be fair to us consumers?
I have been trying to resolve a loan with Peoples United regarding a past due loan. I sent in payments but they will not reinstate, apply the payment, or accept a settlement. loan officers name is XXXX XXXX XXXX Peoples united XXXX XXXX XXXX XXXX ma. I had a very good interest only loan program around 4 % that they would not renew. I dont know why i had a great repayment history. Then they forced me to take a higher fixed term loan at 7.5 %.. I fell behind on the payments, and they would not work with me.