WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX has a loan with Green Tree. XXXX XXXX had got behind due to some financial difficulties. XXXX XXXX called Green Tree and spoke to the lady over his account, # XXXX, XXXX XXXX XXXX XXXX had to call me on the phone XXXX way, meaning XXXX XXXX, XXXX and myself were all on the line at the same time but at different places, to verify him using my debit card. I told her that I did verify the transaction of {$3400.00}. XXXX XXXX XXXX ran the transaction and she said the it would not go through because my bank probably had a limit set. I asked XXXX XXXX if I could just give her my account information and do it as an ACH, XXXX XXXX then put XXXX XXXX and I on hold to ask her boss if she could do that. XXXX XXXX returned and said that her boss AGREED and I gave XXXX XXXX my information and she processed it. Green Tree took the {$3400.00} out of my checking account on XXXX/XXXX/2015. XXXX XXXX told us that all legal and late fees would be added to the end of the account and it was up to date. Next payment was due XXXX/XXXX/15. 
On XXXX/XXXX/15 XXXX XXXX called XXXX XXXX to get his account set up online so that XXXX XXXX could make payments online, and was told by XXXX XXXX that XXXX had bought out Green Tree and they was not excepting the agreement that was made and that the money would be put back into the account that it was taking out of, XXXX XXXX stated that it was start Tuesday XXXX/XXXX/15?!?! XXXX XXXX also stated that she was no longer over the account and could not help XXXX XXXX. As of today XXXX/XXXX/15 my money still has not been put back into my account. Not only was an agreement made and money already accepted, when XXXX XXXX and I call about the account and money, XXXX XXXX and I are put on hold and transferred to others representatives that can not tell us where the money is. I, myself, called today XXXX/XXXX/15 to XXXX Ext. XXXX and spoke to a XXXX. XXXX XXXX verified account number, phone number and asked who he was speaking with and I told him that I was not on the account but I had XXXX XXXX hear beside me. First thing he said is the account is {$3400.00} behind how would you like to handle this. My response was that I had already paid that and it was being returned. Then after I tell XXXX XXXX what is going on he then tells me oh I see and yes now with XXXX they do require legal and late fees up front. Why was that not told in the total then? XXXX XXXX was told that {$4500.00} is due by XXXX/XXXX/15 or they are taking his home back. I want my money put back in my account ASAP and not every will I ever do business with XXXX.
I sent XXXX Transunion and XXXX 4 letters disputing the following items on my credit. I wanted them to provide me with documentation that these items belonged to me. Each credit reporting agency did not provide documentation of proof the items belong to me. They either stated they were updated, or had no change at all. The items are to be deleted is you can not verify the authenticity of them. 

XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX I appreciate any assistance you can give me. 
Thank you!
On XX/XX/2018 Ocwen Loan Servicing provided a payoff for an investment property that I have had for approximately 11 years. The property was under contract and closed the first week of XX/XX/XXXX. I received a call from the closing attorney 's office in late XX/XX/XXXX indicating there was still a lien against the property and that I needed to pay the balance. I was told by XXXX XXXX XXXX, Paralegal XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX that she was filing a claim with the title insurance company to protect the interest of their client. I received a call and email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and provided her with the same information I provided to XXXX. In my multiple conversations with Ocwen I have been transferred to multiple dead ends to have the problem with the incorrect payoff resolved. It is my understanding, although I have no communication from Ocwen, that foreclosure proceedings have began against the property. The loan is currently reporting as a XXXX balance across all credit bureaus and yet I am continuing to receive emails from the title insurance company and today a derogatory email that I wasn't meant to be copied on from the closing attorney 's paralegal XXXX XXXX in which she referenced me saying, " He will try and feed you a bunch of you know what, believe little of what he tells you. '' I had assumed since there had been zero communication from anyone that this matter was resolved until today exactly 5 months since the closing. I have read about multiple complaints nationwide against Ocwen for the same problem. I do not owe a balance.
In light of my previous complaint XXXX where I disputed the XXXX account associated with XXXX XXXX accounts XXXX _ please know XXXX XXXX is ALSO pursuing XXXX. 
The response to the above referenced complaint, was the collection account from XXXX   was removed. Please also know, the XXXX XXXX NEVER responded to my CFPS complaint nor my request for documentation to support the balance of {$460.00} THAT WAS PAID! This account was removed from collections from my credit Report and I have heard NOTHING sense. Then I get a call from Mitchell D Blum & Associates Law Office, It was not until 5 min into the call, they admit they are a COLLECTION Agency! Please see the attached letter I received this is a COLLECTION company presenting themselves as a LAW FIRM which is a clear violation of FDCPA! In addition to this, there practices are XXXX! The XXXXXXXX XXXX sold a debt that was RESLOVED and now I am being harassed by some fake law firm! This must stop! Someone needs to do something with these abusive companies! 

This account was resolved within my last disputes of the vitality of this debt, and this needs to be honored by this makeshift lawfirm! It is a violation of FCRA to reinsert a deleted / previously disputed account!!! Therefore, I demand this company cease the negative reporting of this invalid debt! 
m,
We took a mortgage from NationStar Mortgage LLC three years ago. We have maintained a perfect record of payments ever since. 
We received a check for {$250.00} last month for " Refund of items overcharged at closing. ". 
How can a mortgage company force us to give them a three year loan without paying any interest?
I attempted to make a transaction on XX/XX/19 for furmniture, the purchase was declined due to incorrect zip code. I checked my account on XX/XX/19 and saw that they had put a hold on the {$1000.00} that I attempted my purchase on XX/XX/19 for. XXXX XXXX has no record of me and said I would have gotten an email as confirmation my order went through.I explained all of this to AMEX and was told I could not get my money back for 7-8 days which is unfair because an actual purchase WAS NEVER MADE. I have called them 3 times today XX/XX/19 in an attempt to get my money bck since today is the 7th day I have been told I will get it today but do not know when and then by another agent # XXXX   that I would not get it until the time I made the original transaction at XXXX, this is unacceptable and I continue to request to speak with a manager and have been told I would have to wait for one to call me when they are available. I am currently on hold as I am calling them yet again and I have been on hold for XXXX.I would like this resolved as soon as possible and for their policies and practices to change.
Compass bank XXXX  XXXX XXXX, r h XXXX XXXX. employee XXXX assaulted me physically and mentally and said threatening things to me and invited me to step outside but locked the door and held the door locked while giving me the middle finger in front of him while making threatening gestures, this is very unprofessional, and criminal behavior and needs to be punished because of the way he did me! I am very angry that the compass bank would not be accountable and hold XXXX responsible for this criminal act, I will not be pushed aside and have to escalate this to issue again and request a penalty for the behavior of XXXX, I am also still seeking the interest that the Bank owes me due to XXXX XXXX error in not informing me of the interest change and causing me to lose my earned interest, she promised to let me know if the rate changed so I could make a adjustment in my account. She is responsible for this loss, and the compass Bank has to be accountable, sincerely, XXXX XXXX XXXX, Arizona
Earlier today I received a phone call in regards to a pay day loan from XXXX from Cash Net USA I want them reported. Not only was I disrespected but I was threatened. I was told that I would be arrested at my place of employment within XXXX hours if I did n't pay {$500.00} at that moment. This was after I received a phone call from XXXX and a voicemail message to return the call. The XXXX I called I spoke to a woman I do n't remember her name. She recited to me my email address XXXX of my former addresses and the last XXXX digits of my social security number. She became short with me when I told her I did n't have {$500.00} today that 's when she told me I would be arrested at my job. The XXXX time I called I spoke to a gentlemen who was very rude and threatened to have me arrested after I offered a payment plan option I could only afford {$50.00} and I was told I needed to get back to work and get the money and if I did n't have {$210.00} now by XXXX the close of business I would be arrested after my information was sent to the States Attorney Office. I have no problem paying a debt if I owe. I will not be disrespected or harassed to do so. If these people had my email address how come since XXXX I have n't received an email or anything stating an attempt to collect a debt?? Please report these people. Thanks for reading this email.
Chase Conventional Loan continue to report derogatory history on all XXXX 3 XXXX credit bureaus/history. Reporting as closed, foreclosure and late pay. This debt was included in my Chapt XXXX BKT and should be noted as such. I 've disputed this item twice with no success and updates to my credit history. I 'm requesting that Chase removes this from my bureaus completely! This account was opened XXXX. They have had many class action law suits for the unfair practice in handling my account. This reporting is impacting my credit history and negatively impacting my credit score.
Over 60 unauthorized debit transactions were taken out of my account between 3900 and 7000 was taken out of account causing my account to be closed and having a negative balance this was done last year the name of the bank is Wells Fargo
Navient is calling my XXXX yo daughter while she is in school and telling her that I need to pay them.
RE : CITIBANK  CARD  XXXX   XXXX   XXXX   XXXX  I saw, online, a promotion that would return {$300.00} if one spent {$1000.00} in 90 days. I received the card and spent {$1000.00} in 30 days. CITI tells me that that offer was only valid if CITI solicited for you to take it. Advertising something online sounds like a solicitation to me. CITI says it will give me {$300.00} if I spend {$3000.00} in 90 days. Pompous, hostile and unacceptable is this  50o0 LB Gorillas  stance. I wrote t o CITI and received, about 2 we eks ago, a call from the Exec office telling me they would deal with the problem by the  XX/XX/XXXX . Unsurprisingly, I have not heard from them. It would appear that I must have made this offer up from CITI 's viewpoint.
The company did not address showing this as consumer closed. They can keep their apologies. One loan I had for 7 years. They failed to send me disclosures and terms of agreement before they closed out the accounts. The company failed to give me proper notice of the closings until they actually closed the accounts. Per the attachment they did not notify me of the recourse until it happened.
I purchased a keyboard at XXXX XXXX on a 0 % interest credit card through Synchrony Bank with XXXX XXXX. A couple of months into paying this off I realized Synchrony Bank recorded this purchase on a 29.9 % monthly interest payment credit card and that my balance was higher then the original purchase. I called XXXX XXXX and their records showed that the purchase was indeed on a 0 % interest card while Synchrony Bank still showed a 29.9 % interest fee. I spent about 4 hours on the phone with managers at XXXX XXXX and the ultimate response was that Synchrony Bank needs to fix the problem and that they themselves are unable to contact Synchrony Bank. I then over the course of months spent 10-12 hours on the phone with various Synchrony Bank managers and they said the same thing -- that this is XXXX XXXX 's problem and that XXXX XXXX needs to fix the problem. After a total of 15 hours back and forth of conversation no one is helping me resolve this problem and I have a few hundred dollars of interest payments on my account that are not mine to pay. In truth, this SHOULD have be a XXXX minute fix -- i.e. XXXX and Synchrony Bank communicate and Synchrony Banks makes a change in their system so it matches XXXX XXXX. 

I got to the point of having a manager at XXXX XXXX fax over forms to show Synchrony Bank that it was a 0 % interest purchase ( on XX/XX/2018 ) and it's now XX/XX/2018 and Synchrony Bank is saying they never received them, though what do you know -- XXXX XXXX records show they were received. The forms were twice faxed to the correct number with the correct title memo. I have no idea what to do. This debacle has been more difficult then purchasing a house or a car and NO ONE can resolve the situation. More so, no one on either end has interest in helping me. The worst part is that this was THEIR mistake, and they can't own it. Resolving the situation has fallen 100 % on myself. Synchrony Bank and XXXX  should not be allowed to do business together. They should honestly be fined. I was in essence swindled out of money that was and is STILL not a part of my purchase in XXXX XXXX 's system. Why can no one resolve this??? It makes no sense and is horrible business practice. Can no one at either company REALLY speak to each other and amend the situation. Shame on both companies. My only option at this point is to complain here and find a lawyer for this measly {$400.00} interest on my {$760.00} purchase.
I was XXXX and my credit cards were stolen. I am currently fighting via litigation the vendor and bank involved in the situation. Due to my attorney advising me to stop paying the fraudulent charges to keep my cards current, my credit score has suffered. My bank credit card even presented with this information reduced my credit limit {$22000.00} making the card usable for my monthly needs. I escalated and underwriting refuses to do anything given my situation with evidence. I do not think this is fair given the situation and should be reviewed in a manner taking into account all other facts ( no other card issues ever, this bank never had a late payment, customer of 10yrs+ ).
American Education Services in XXXX, PA failed to notify me of a delinquency on my son 's student loan ( I am a co-signer ) .They had previously called me of the delinquency and I called my son who said he would pay it. I had n't heard from them after that and I thought the matter was taken care of. It turned out it was not paid and I was never notified. Eventually 90 days went by. Without calling me or giving me a chance to pay the outstanding amount overdue 90 days, they sent the delinquency to the credit reporting agencies. Now have a negative entry on my credit report. Had they called me and advised me of the delinquency I would have paid it and avoided this problem. So now I have a negative credit entry on my record and they are refusing to correct it even after I filed for a correction.
I am a  XXXX  and I qualify for   XXXX   XXXX   XXXX   .  Navient has repeatedly delayed this process. I submitted the paperwork in the fall of   XXXX   and was told that I would need to wait about 90 days for the company to look over the paperwork. I asked multiple representatives if I had the correct information on the forms and was told that they did n't see any errors. I taught at  XXXX  different districts so I needed to obtain verification from both districts.   3 months later I was told that I completed the paperwork incorrectly. I was supposed to get the  XXXX  to verify my employment. So, I resubmitted my forms with the  XXXX  's signature after again verifying with the representative that there were no other errors. I again had to wait for months. I then received another denial letter stating that I filled in the loan holder name and I was supposed to leave it blank. I, once again, ask the representative if this was the only error and was told that it was. I resubmitted and waited months for a response.   After not hearing back, I decided yesterday to call  Navient  to get an update. The representative told me that there was another error with my paperwork, which they had just discovered, and again it was denied that day. They said that the dates of my employment with the districts overlapped so I need to resubmit my forms. This is the information that the districts themselves provided and again I have asked with every subsequent denial if there were any mistakes.   This has been ongoing for many, many months. As I wait to find out if it is approved I continue to pay interest on the full amount of my loans.
I made an online purchase on XX/XX/18. 

I am dissatisfied with my purchase. I discovered some of the clothing arrived damaged. In addition, I do not like the fabric and overall the quality of the items. So, I went to the store to make a return ( I wanted to return all items to the merchant ) I was told by merchant they could not assist me in my return. Merchant is not accepting any of the items purchased for a return/refund. 

I contacted my credit card issuer in regards to issue, credit card company states theyre unable to assist. I know my rights under the Fair Credit Billing Act and credit card company is not adhering to laws and regulations of such Act by refusing to help in the matter described.
I rented an apartment to XXXX XXXX managed by XXXX XXXX. XXXX XXXX sent me a bill stating that I owed {$54.00} for a gas bill. I showed them a letter from XXXX XXXX that I did not owe them anything. XXXX XXXX letter stated that I 've been paying my utility bill to them since I 've established it before I moved in. I continued to pay my rent and the management company continued to send me letters stating I owed them money. The management company started of with saying I owed {$54.00} and continued to increase it to {$6000.00}. The management company filed a suit against me for none payment in XXXX 2014. I was not properly notified and filed a motion against them. In XXXX 2014, my case was heard in front of the XXXX Circuit judge. The management nor their attorney showed for the hearing. The judge dropped the charges. Upon, recent review of my credit report, I noticed the management company sent {$9000.00} debt to a collection agency. I had the state 's attorney 's office investigate. XXXX XXXX stated that my bill for the gas bill has increased to that amount. I disputed it stating that a hearing was held in XXXX 2014 and was thrown out by the judge. This company has illegally placed a debt on my credit report that is not mine, they did not notify me nor did they try to dispute it again in court.
This is a complaint from XXXX XXXX against Atlantic Credit and Finance for Atlantics failure to provide requested information for the debt alleged. On XX/XX/18 Consumer received a demand letter from creditor, XXXX. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.

It has been over three months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
XXXX # XXXX Date Opened : XXXX/XXXX/XXXX Date Closed : XXXX/XXXX/XXXX Original Loan Amount : {$3500.00} I was in a 6 month FORBEARANCE from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. 
As of XXXX XXXX I had the loan payments deferred. There is no way that this account should be reporting as 60-120 days past due. This incorrect reporting has a negative impact on my credit and I 'd like this incorrect reporting corrected. They are also reporting this account with a current status of paid/current when in fact the account is PAID/CLOSED as of XXXX/XXXX/XXXX This account needs to be corrected and updated immediately Current reporting by Transunion Current status : paid as agreed/current ( the account was PAID/CLOSED on XXXX/XXXX/XXXX ) XX/XX/XXXX ok XX/XX/XXXX 60 days ( how did it jump from ok/current to 60 days in 1 month? ) - I was in Forbearance XX/XX/XXXX 90 days - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance
Today, Equifax released a press release that there was a breach in there system from mid XX/XX/XXXXuntil XX/XX/XXXX. Around 143 million US had their information stolen due to unsatisfactory security techniques utilized by Equifax.
CapitalOne offers disbursement of cash back rewards in the form of mailed checks. I have twice requested, and never received, a cash back reward check from them, although I have waited the 2-3 weeks they say it will take the check to arrive each time. On XX/XX/18 I requested the first check. I never received it, so on XX/XX/18, I asked that the check be canceled. On XX/XX/18, I requested a second check. I have not received that check either.
In response to Wells Fargo Dealer Services, the company is still charging me for warranty amount attached to my monthly payment each month since the warranty was refunded at {$1800.00}. or so. This is the illegal part of the matter. 

There is still money due.
My Husband and I have been attempting to clear up errors by Wells Fargo since we did a refinance in XXXX. Beyond that we have been applying for loan modification/loss mitigation with Wells Fargo since that time. Most recently Well Fargo denied our loan modification with a letter claiming our income was only {$10.00} ( an obvious error and mistake ). We appealed their decision and have not been contacted by an investigator named XXXX XXXX XXXX ( Wells Fargo Underwriting ). She was investigating and promised a response by XXXX/XXXX/XXXX but did not call until XXXX/XXXX/XXXX only to say that she/Wells Fargo needed more time. We believe there is substantial misconduct in dealing with us and the writings sent to us in contrast to what is told to us via telephone.