WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015, I purchased XXXX shirts at Macy 's and was asked if I wanted their credit card, which I agreed to apply for. I also ordered a suitcase and canceled the order and never picked up the suitcase. On XXXX 2015, I received a bill from Macy 's that stated I was late with my monthly payment. I called them to tell them that I had never received the credit card and that the charge for the suitcase ( that I canceled ) was still on the bill. I also told them that I could not register to make a payment on their website and was informed that I had to activate the credit card ( which I never received ) in order to open an online account with them. I tried several times to resolve the issue via phone without success. Finally I told them I wanted to make a payment ( for the merchandise I purchase ) via phone and paid for the XXXX shirts I purchased. I then told them that I had never received the credit card and wanted to cancel the account. I was told by the Macy 's phone representative that I had to pay the interest and that the account would not be closed until I made payment. I explained to them that what I was being charged for ( all interest ) was not a fair business practice because I had never received the card. Recently I received a notice from a collection agency that I had to make payment. I also received a notice from the U.S. Office of Personnel Management ( OPM ) Cybersecurity Resource Center informing me that I had a negative flag on my credit because of the Macy 's account. This has greatly negatively affected my credit score and credit standing in general. I am being charged {$330.00} ( all interest ) for a debt that resulted because of Macys ' incompetent handling of my credit card account. Not one cent of the amount that Macy 's states I owe is for merchandise. I do not believe that Macy 's should be ruining my credit because of their unscrupulous business practices. I am a government civil servant who has much to lose credit wise and employment wise because of this situation. I would greatly appreciate any help that the CFPB could provide me to settle this matter.
I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from XXXX XXXX I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to XXXX to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

XXXX LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out XXXX changed the status of my account to no " more than 30 days late '' after I had to file a dispute with Equifax, XXXX and XXXX  to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.
I pay my Mortgage by direct debit monthly. My last payment came out on XXXX XX/XX/2018. I noticed as of XXXX XX/XX/2018 my payment has not been withdrawn as usual so I called XXXX XXXX XXXX to provide me an explanation. The informed me my mortgage has been sold to XXXX XXXX. I was not informed of this action at all. I was told a letter was sent out but i never received such a letter. I would like New Day to give me an explanation in writing on why i wasnt informed that my mortgage lender had changed. I would also like information on my new Lender to provide them the new direct debit info. I attempted to call them but all they wanted to do was quote me a bunch of legal mumbo jumbo.
After I mailed several detailed letters over a course years, sent directly to companies and all 3 credit bureaus I never received favorable resolutions with most, but a few that resulted in totaling cancelling any store credit accounts and credit cards, including any negative reporting to credit bureaus. 

Please note, my father : XXXX XXXX XXXX is currently my legal guardian, and he has been and still is a major force, and instrumental in all my personal and financial business, who continues to help and support me in this matter. For any future reference to this case, the XXXX has my approval to contact XXXX and discuss anything, and he also has my permission act on, make decisions on my behalf ( please see attached copy of proof of legal guardianship ).
Equifax incorrectly shows a XXXX XXXX XXXX revolving credit card account as OPEN. It is CLOSED.
Our mortgage was bought by Ocwen during bankruptcy. As time went by we finished our bankruptcy and had court orders stating that we are to pay a certain amount and that all past delinquent payments were considered paid in full. Ocwens attorney agreed to this order signed by the judge. We have made the required payments on time every month and most often paid more. We have bank statements verifying all monthly payments were on time. Ocwen is now sending letters saying they are missing payments, and are adding late charges to our account. I have tried talking with them over the phone but can not get anywhere with them. Each time I call I get different answers. They are now sending people out to take pictures of my house. I can only assume in preparations of foreclosure. I am not late on any payments and can prove it. My lawyer has instructed me to send a certified letter to the Ocwen attorney that represented them in my bankruptcy hearing. I have done this but have yet to hear from them.
My now exhusband jointly held a usaa XXXX credit card with me and we accumulatedcabiutv XXXX debt. In court divorce debt not allocated even though through freedom debt he said he paid this and only later said he pulled out and they were suing me by his name was not on the card. It was he had it removed them filed with frredom debt then they erroneously sued me. He signed a contracact taking on that debt. Now there is a judgement on my record that 's incorrect.
I received a call and message ( using my na me ) from  Student Assistance Corporation on my cellular phone which is on the national do not call registry from someone who stated in the message that they were attempting to reach someone with the same last name as me about a student loan.
I opened an account at Home Depot which was administered by Citibank. In the interim, I became victem of fraud and fell behind on payments and could not pay the account. Sometime in XXXX, 2010, I was contacted by a representative from Citibank offering to settle the account for {$430.00}. The payments were to be made once a month on the XXXX of each month. I made three payments ( {$140.00}, {$140.00}, {$140.00} ) as per their instructions and agreement and the account would be settled. These were sent to Citibank directly via XXXX. Instead of Citibank settling the account they sold it to another collection agency. I contacted Citibank and they said they could not do anything for me. To this day, my credit is ruined and the collection agency will not take it out of the credit bureau. I contacted the new collection agency and they refuse to take it out of the credit bureau without paying them money, even though I sent all the information and explained everything to them.
National Credit Systems did not present a contract ( VERIFICATION OF DEBT ) as requested. National Credit Systems -- claimed they will send me verification documents but I have yet to receive anything verifying the debt.Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to creditor. Unfair practices. ( 2 ) Collecting or attempting to collect from the consumer all or any part of the collection agency 's fee or charge for services rendered, collecting or attempting to collect any interest or other charge, fee or expense incidental to the principal debt unless legally entitled to such fee or charge. ( 5 ) When the collection agency is a debt buyer or acting on behalf of a debt buyer, bringing suit or initiating an arbitration proceeding against the debtor, or otherwise attempting to collect on the debt without ( i ) valid documentation that the debt buyer is the owner of the specific debt instrument or account at issue and ( ii ) reasonable verification of the amount of the debt allegedly owed by the debtor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditor 's records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges.
I submitted a request for a payoff statement from my current mortgage company ( Seterus ) on XXXX XXXX. I am refinancing my home I have submitted many request as did the bank that I am refinancing with, We sent both email and faxed requests and I called and spoke to one of the managers but they do n't seem to want to cooperate.I 'm told when I ask that they are backed up sending faxes and emails. This is causing me a significant financial burden. 
When Seterus took over iur mortgage from XXXX we were in Chapter XXXX ( our mortgage was not included ) Seterus rated our loan incorrectly and that needs to be corrected as well. They insist that does n't make a difference but the bank we are refinancing through disagrees.
I had a mortgage through Guild from a purchase in XX/XX/XXXX and sold the home in XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX to let me know that they have money owed to me from the sale of my home ( {$570.00} ) due to remaining funds from my escrow account. It has now been 7 weeks and they have not yet sent my check. It is unacceptable that they 've had these funds for nearly 3 years.
Ocwen Loan Servicing is reporting on my credit report a late payment in  XXXX  of 2016 and failed to fix the problem I attached a letter from Ocwen verifying and confirming the error but they still failed to address error
I have paid this company every month. They call me repeatedly even after they have been paid, Four to Five times a day. as early at XXXX XXXX in the morning. YES, I owe them money, but I cant pay them until I get paid, and I pay them every month. Recenly I was in very sick with XXXX, and I'm not thinking about paying anybody. They received their payment and then they dinged my credit for being past thirty days. I get it, but have a heart. I've written on my payments, its all the money I have. They cash the check, then call me five times in one day. They wont stop. There robo calls. I don't answer because then I get yelled at. I'm done. I pay these people every single month. Yes, The pay might be five or even ten days late, but they get paid every month when I get paid. This harassment has got to stop. They can call me once a day. but five, six and seventimes a day is XXXX, and then to get yelled at when trying to explain I'm sick. Please tell them to stop.
Initiated a Bank of America money transfer for {$600.00} on XXXX/XXXX/17. This transaction has been done for the past several months in the same fashion. Unfortunately, this time no email communication was sent to the recipient, as has been the case previously. Additionally, after now three business days, the communication nor the funds have been delivered. After calling last Friday I was told to wait until three business days had passed. Called again today and after completing four cold transfers and over one and a half hours on hold, finally reached a representative of their " Move Money '' Department that told me the problem was with the receiving bank and that given these " known '' issues it may take up to five business days. Having failed to provide notification to the recipient, as has happened in the past, it seems unlikely the issue is with XXXX XXXX instead of BofA. They did n't initiate the transfer and took the money from my account. I will have to resend this money while I wait up to ten days for them to begin their review of my claim, requesting my money be refunded, plus it can take an additional 45 days for them to return the money they have taken from me and failed to deliver to the intended recipient. In addition, for potentially holding my money hostage for 60 days, they have advised me that there is no entitlement to compensation. They say I agreed to some terms but those terms could not be relayed to me on the call nor are they available for review and verification. I expect this money should be returned with interest comparable to my savings account, the source from which the money will have to be taken while I await their review. I have an outstanding claim, for which I can use CFPB assistance in expediting. Claim # XXXX, dept phone # XXXX.
JPL Recovery Solutions repeatedly calls me even after I have told them to stop. The debt they are trying to collect is not mine and is that of a relative. I have cited the US Code that requires them to stop calling when I asked. They have threatened to continue calling and have told me on the phone that they will dock my relatives pay.
XXXX   XXXX   (    XXXX   ID  XXXX  ), called me with detailed information he somehow got from a credit check I had done in early  XXXX . I have turned down several of his calls and when I asked if he was associated with my lenders, he declined to answer. When I asked if he was trying to sell me something, he declined to answer. He is using high pressure tactics meant to confused people into giving their information.
This company hasn't even attempt to resolve issues. They just repeated what was said in the last statement, they have not reached out to the company they have sold my information to yet. My Imformation was falsely used in the attempt to gain credit! I have a Police Report documenting this, the credit bureaus have not even obtain any proof that they had the right to pull my for this company. Credit bureaus only state that these inquiries will be on my credit profile for 2 years. The problem is they shouldn't be on my credit report period. I shouldn't be at fault for the credit bureaus mistakes. 
I understand that my information was sold by the credit bureaus to this company and they do not want to loss money. But I shouldn't be at fault for the mistake or fraudulent use of my information to obtain credit in my name. 
I request removal of these inquiries ... This is my Fourthattempt to resolve this with credit bureaus and company. This is the 3 time using your CFPB process to resolve these issues and all your company CFPB does is after company make no attempt to resolve CFPB closes case as if it was resolved. 
Well your company handle this, are must I contact some one else to aide in these issues of fraudulent use of my information.
To whom it may concern, I have been going through so much XXXX due to my home being in foreclosure. I have made several attempts to be approved for a modification and they dont want to provide me with home retention options. This has been going on for three years, and they have not offered me in this time a workout plan, not even a repayment plan. I keep falling further behind, and the debt keeps growing. In the last denial they stated the following " after careful review of your account, we find that there are no home retention loss mitigation options for which you are approved '' they keep offering me to do a short sale or a deed in lieu. Last year I was hoping to get approved for a HAMP modification but that did not happen, they kept saying that the investor keeps denying loss mitigation options based on a business decision. They also keep saying my income is not enough. My gross income is almost {$7000.00} and it has been like this for years, I have a big surplus at the end of the each month, so I am saving money. I have an arm loan with a 7 % rate, and my mortgage payment was almost $ 3k. I fell behind due to loss of job, but I have found a very stable job. It frustrates me because I have enough income coming in to be able to make my mortgage payment, and pay my other expenses. I dont even pay for a car, I finished paying it and I only pay for insurance. I want them to see that I have enough to pay my mortgage, and of course an affordable mortgage payment. Ive spoken with friends that have SPS as  their mortgage company, and two got  modified already and they have a lower income than me, how can this be? Does SPS want me to be earning {$10000.00} a month to get approved? I believe that even if I earned this much they will still deny me. I believe that almost {$7000.00} a month is good income for a high school dropout, and I have been very responsible with my money, even created a budget. I just want a fair opportunity, and for the investor to consider me for home retention options. I recently submitted an application, and I have to submit some missing documents so I dont get a sale date. I would also like for SPS or the investor to provide a more detailed response on why they cant provide home retention options " based on business decision ''. It is not fair that there are so many modification programs out there, and they dont want to approve me for anything. I will provide any necessary documents that they request, I need help I have my children at home and i have invested so much. <P/>Thank you, XXXX XXXX
XXXX, XXXX of 2016, I was late for the Target Red card credit card payment because I was overseas. When I called Target Red card service rep, they helped me with the payment, and I paid off the balance in full. To avoid further late payment ( I do n't really use this card that often ), I requested for autopay so that I do n't have to worry about being late again. Target on the phone said they would set it up for me. I appreciate her help and thought that I had autopay In XXXX I spent {$32.00} at Target and I did n't read the statement when it came. It was n't a big purchase so I disregarded the statement. I also know in the back of my mind that I had autopay and that it will automatically deduct and pay back. 2 months went by until I was in store and my purchase was declined. It was then that I found out I was deliquent by 2 months I immediately paid, but I was too late and Target reported my deliquency to the credit bearu. This is the first time I was late for any payment. I had XXXX payments lifetime payments and XXXX payments were on time.
XXXX XXXX ( XXXX ) does not provide their account holders credit card on file with detailed transaction information. The information is batched into single transactions billed to XXXX , XXXX My family just discovered that XXXX XXXX XXXX XXXX has been billing us for over 2 years for hundreds of dollars ... ..all unauthorized. XXXX will only credit 60 days. We had no way of knowing of fraudulent charges based on our American Express charges monthly and this is wrong. Am. Ex & XXXX need to provide detailed transaction reports so a consumer can readily detect fraud. Please help me get credit for the numerous unauthorized transactions from XXXX on our account.
XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX Calling from : XXXX I've been receiving calls from this number since XX/XX/XXXX at what would be just about XXXX in the evening. It's unusual for someone to call my line after XXXX XXXX regular work day as I'm usually not available at this time. I actually have the publicly registered number ( s ) from this company saved on my phone and that is where I was expecting to be contacted from. I found it odd that a local number would call so many times without leaving a voicemail but ignored it nonetheless because no one who knows me calls without texting me first unless it's an emergency. Due to the amount of times this number appeared in my logs alone, I decided to call them back on the XX/XX/XXXX.  When I dialed the number, it rang once, then bounced me to the queue for Simm Associates Incorporated and immediately puts me in line to speak to a live agent. My phone number works perfectly fine and I'm open to returning calls of those who leave voicemails, but these practices are done in a way that I believe is in violation of my rights as a consumer under the FDCPA and the TCPA because not only is it deceptive, but because the company masking their number with a local line to establish contact with me in a way that misrepresents the nature of their calls, which is spoofing.
I initiated a dispute with all XXXX credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file.
We 're a small, man/wife XXXX corporation. We have been working diligently to rid ourselves of business debt incurred between XX/XX/XXXX-XX/XX/XXXX as a result of the XXXX Recession. Since early XX/XX/XXXX, when signs the worst was over surfaced, and especially during the past XXXX years, we 've been working with a NFP to negotiate lower interest rates to help keep our small business afloat. Recently, after never having failed to pay on time, we discovered after review that we had paid, in principal alone, far more than borrowed on several cards. To prove our findings we did a full accounting using receipt records -- recording all borrowings, payments on principal, interest and other fees. We sent these reports with a one-page cover letter of explanation ( copies are available ) via tracked XXXX Priority Mail to XXXX, XXXX and XXXX XXXX. We have documentation all were received. Only XXXX, XXXX, has bothered to read our material and correspond by phone. ( They advised they 'd look into our concerns and get back to us, although " it might take some time. '' ) From the others we 've received only form letters advising we 're overdue, as they tacked on high interest and late fees. In our cover letters we told each party that due to overpayment and the fact we 're both in our XXXX 's and must still work, we will pay no more. 
Although we have no faith whatsoever in the co-called credit reporting agencies ( calling usually gets you someone in a XXXXworld country who barely speaks XXXX ; writing a certified letter we found is usually ignored ), we trust XXXX XXXX implicitly. When we saw this opportunity to communicate with an organization of which she was a part, we jumped on it. Please let us know if you need more.
I made a request for my Credit report, and the Co. said they did not send it to my home address. 
Enclosed is my Bank Statement please send a free copy of my Credit report to me.
found scrivener 's errors, legal descriptions and index numbers x XXXX, of property that was sold at sheriff sale, does n't match what 's on original warranty deed, legal description, transfer stamps nor current property tax bill.
Equifax is reporting XXXX XXXX student loans all with account number XXXX on my account as " 120 plus days late '' as the " current status. '' These loans were transferred and sold years ago and they are currently reporting twice. I demand that these loans are deleted from my credit report.