WillisBack/dataset-financial-user-claim huggingface dataset:
I had rented a XXXX XX/XX/XXXX. Even though the transaction was paid for in cash, there was an unauthorized holding/pending charge placed on my US Bank debit card which overdrafted my account. XXXX ONLY had my credit card information because it was required to reserve the rental. The charge pended on my bank account, then disappeared, as it was NOT legitimately authorized and ran mistakenly, unbeknownst to me. As a result of the charge pending, several overdraft charges ( I believe XXXX ), were charged to my account. I contacted staff at US Bank in XXXX, Ohio to contest the fees, as I DID NOT authorize the charge which then disappeared, leaving nothing but the fees. 
The fact that I did indeed have money in the account is observable due to the fact that the overdraft fees alone totalled MORE than the amount which my account had gone negative. ( IE : I DID NOT overdraft, the pending, unauthorized charge which then DISAPPEAERED, overdrafted me ). 
I was advised by US Bank employees that I should just keep a better eye on my account, and that the only employee who could help me was on leave for another 3 weeks. 
Honestly, I have better things to do with my time than argue with banks over fees which I did not incur through any fault of my own. 
I am now in the " XXXX '' for a negative account which was solely the fault of the financial institution itself, and by them not honoring their policies for unauthorized charges causing fees.
carrinton mortgage started servicing my loan XXXX XXXX from XXXX XXXX XXXX I was in default and now am paid up as of XXXX/XXXX/XXXX with help from homekeepers program the bank was supposed to recast the loan and give me statement on disbursements on how the monies were paid out as of now they have not given me a statement on what my monthly payment is supposed to be 1 letter said {$2300.00} the 2 said {$1600.00} the website says {$810.00} and someone I spoke with said it is {$1400.00} they just received {$50000.00} to bring my payments up to date so I was not in default and lower my payments so it was more affordable and my payment is due by XXXX/XXXX/XXXX and they are not giving me a straight answer on how much my payments are and it is putting me in a situation of being in default and I was told that they are not going to send me a statement or payment coupon and they do n't have to. 
they are also not endorsing an insurance check from XXXX under payment which I had to have a third party neutral review despite their policy clearly state as long as I am currant and the check is under XXXX send it in with the adjusters report unsinged and they will endorse it and send it back I sent in all of the documents as well as invoices and proof of payments,3rd party recommendations they also sent an inspector who said it was 100 % they sent the check back unsigned and altered it by stamping the front they have only had loan for 4 months and I feel they are trying to make me default on my loan
On XX/XX/XXXX I purchased a cashier check in the amount of {$12000.00}. Immediately after receiving the check, I left the bank enroute to XXXX. I placed the, check, wrap in plain white paper in an unaddressed envelope, given to the XXXX. The XXXX, according to their standard, placed the unaddressed envelope in their overnight mailing envelope. The mail to address, after being confirmed by me as being correct. I was given the shipment receipt, showing that a signature from the recipient was also required. As of this date ( XX/XX/2018 ), the shipment had not been delivered. I went to the Bank of America office where the check was purchased, starting on the XX/XX/2018.I 've also made several phone calls requesting. stop payment on the cashier check. The response I always received. was that no stop payment until after 45 days after check was created.I felt that was not fair. If the check was cashed by the wrong party, the loss would not be the banks, but mine. The cashier check in question is still floating out there. I've also contacted the XXXX several times, including today ( XX/XX/2018 ). Their latest response : Tracking package and investigation. I have copy of check and XXXX mailing receipt
On or about XXXX XXXX, 2014, we leased a XXXX XXXX from XXXX ( FL ) VW. When I entered the automatic payment info in my XXXX XXXX XXXX online account I apparently provided a premature end date. * I recognize that doing so is a major part of this issue. * About two years later we moved to our present address in XXXX XXXX, MA. As a result of my error the bank stopped sending what had been clock-work-like payments to VW Credit. When I saw my credit score decline I looked into the cause and immediately contacted VW Credit. While they had my new address ( as a result of the change in registration and taxation ), my current phone number and my current email, they made NO effort to reach me to tell me I was in arrears. In that regard I hold them partially responsible for abrogating duties that 99.999 % of other creditors would be delighted to perform. When I discovered the problem -- delayed by the fact that I was getting over a bad XXXX -- I immediately sent them three months of payments to get not only up to date but a month ahead to show good faith. Those payments apparently showed up on thew 62d day of when the first late payment was due and VW promptly informed all credit agencies that I was now 60+ days lateral further damaging my credit score.
I went to lengthy explanations with the CEO of VW Credit and everyone else who would listen. None did  ; and I got a form letter back telling me that because I was late the matter was closed. VW credit has not lost a dime on me. I continue to be 100 % up to date on payments. But my credit score has been badly damaged and will continue to be so for 7 years. This penalty certainly does not fit my " crime. '' I am not a deadbeat or trying to evade my obligations. Far from it. I made a mistake and immediately fixed it. VW failed to make any effort to ameliorate the situation and strengthen our relationship. For a company that is paying billions in fines for lying to the world ... I find their behavior and callous treatment unacceptable by any standard.
I took out a loan through Genesis for an education through XXXX XXXX, XXXX, Oh. Under the sale of the debt there was to be a 40 % reduction in my loan. Nothing has been done. At this time this is my complaint. A detailed complaint regarding my federal student loans will be forthcoming as well.
I opened an account with Fifth Third through a car dealership when purchasing a car in XXXX. They did not allow online payments, or balance updates at that time. They only sent a paper " coupon book '' which I was supposed to use to make check payments on my own. In the interest of insuring the loan was paid on time and consistently, I instead set up automatic bill payments through my own bank. For two years, I did this without any problems, but I never heard from Fifth Third with any updates. 
After I moved to XXXX, I called several times to request a proof of title so I could renew my car registration in a new state. Every representative I spoke with assured me that they would have the proof of title mailed, but weeks went by and I never received it. Finally, on the third try, I received the proof of title. But the DMV said I also required a letter stating that I had the lien holder 's permission to register in XXXX. So I called again, and this time ( for the first time ) the rep said I had to go through an external site called XXXX. This extremely dodgy looking website is apparently utilized by several lenders, but it charges an additional fee of up to {$50.00} and takes 15-20 business days to process requests. Even though this seems like an extremely steep price for a simple letter, I would have gone through the site as requested if they had only told me about it two months prior. 
Also, to make matters more confusing and disturbing, there is no mention whatsoever on Fifth Third 's website of My Title Support 's service. So I basically just have to trust the phone rep who told me that is the only way, instead of the other three who never mentioned it before. 
I will be refinancing with another company as soon as possible, because I will not deal with Fifth Third anymore.
I purchased an item from the clothing retailer XXXX XXXX on XXXX/XXXX/2015 with funds from Paypal credit 's Bill Me Later. The item was returned to XXXX XXXX on XXXX/XXXX/2015 and XXXX XXXX issued a refund credit for the full amount of {$570.00} on XXXX/XXXX/2015. 

Since then, Paypal Credit has not posted the refund to my account and I still owe them money. I have faxed in proof of return numerous times, sent emails of screenshots indicating that this item was returned, and have spent countless hours on the phone yielding no results. At this point, I will have to start paying the charge and I find it to be ludicrous to have to begin payments on something that I returned 3 months ago which has been acknowledged by the retailer.
I had spoken with XXXX XXXX of jFreedom Direct about a possible mortage and i told her i had a collect that i was working to have removed. She told me she wanted to get a copy of my credit report from all XXXX bureaus. I told her no. I again told her about the collection account and how i had to give them at least 30 days to respond. She aggreed to wait and we ended the call. I have credit monitoring and i was shocked when i received an email that XXXX had run my credit. I contacted them as i had never heard of this company. And never gave anyone permission to obtain my credit file. They gave me the name, address and phone number of a person named XXXX at iFreedom Direct who requested the report. As i have never spoken to this person, i called XXXX who admitted that there was indeed a manger named XXXX with her firm. She claimed that no one at iFreedom DIrect had run my credit. She called me later claiming she had a CSR from XXXX on the line to 'prove ' that they did not request my credit report. I told her when she got XXXX on a conference call then call me back. I have not heard from XXXX or XXXX. I never gave her permission to run a credit report. The address and phone numberof the iFreedom Direct person I was working with and that requested my credit file is : iFreedom Direct. XXXX XXXX XXXX XXXX, CA XXXX. XXXX
Keep getting calls. Looked up number and it said it was from Tate and kirlin associates. I had remembered getting something in mail from them claiming I owed them {$100.00} some dollars on behalf of some company called XXXX XXXX which I had never heard off and lettter had no description of anything of what it was. Looked up online and see tons of complaints from people saying they get letters claiming to owe the same XXXX XXXX place and not knowing what that it. When searching for XXXX XXXX, there is no website that pops up, no info on what the place supposedly does or sells nothing. Only info that pops up is ripoff complains threads with people saying same thing, claim they owe and have no idea what it is, some claim they called and said it was for some supplement trial they never returned and are being charged or some scamming thing. I have not ordered any trial supplenents. Did find website ( link posted ) mentioning this scam from a company called " XXXX XXXX '' where packages show up at people 's doors they did not order, they send it back and then get collections notice from this Tate and kirlin place and another place saying they owe that place. I never received any random package either. XXXX XXXX XXXX Everything I have read sounds like this random XXXX place and debt owed is a total scam and this collection place is trying to collect fake debts from people so therefore they would be scamming people too. I sent Tate and kirlin several messages about calling and that I had no idea what this XXXX place was and even sent them the link to article. They kept calling my cell phone XXXX XXXX XXXX which is my only phone number. I called back and left them voicemail too telling them this seemed like a scam and I didn't know what the place was and there is no info on them and to send proof in mail of real debt from real place.
Midland Credit Management continues to harass me multiple times a day over a debt that is not mine. I have told the company multiple times this debt is not mine. Have told them another person in Missouri has my same name. Told them to take it off my credit and off of their call lost. The company in the beginning almost had me tricked into thinking this was my debt. I have verified with my files this is not my debt. Company says I need to have a police report to start the process of removing from their list. Company is a scam and trying to get money by using harassment tactics and they ca n't even send verification of the charges to make up this so called debt owed by me.
I have been past due on my student loan for personal reasons, currently I am in the process of a hardship withdrawal from my 401k to get my mortgage payment caught up. Recently Navient has been calling 3rd parties, which they refer to as references, but were never listed as references. They have called my brother 's girlfriend, my ex husband and father in law. I have asked several times to not contact anyone other than myself but I continually get cut off by the agent, they do not ask about any kind of financial information, and most recently one of the agents brought up my job at XXXX XXXX which I feel was almost a threat. I asked several times to stop contacting third parties and this agent refused regardless of me explaining my financial situation. She advised the call was recorded, so it will be heard that she stated I refused to pay which is not true. I asked to speak to a manager and no one was available. I find that hard to believe when they have the time to call ex-family members and harass me. At that point I again asked to please stop calling third parties and the agent stated that we were done talking since I asked to speak with a manager and none was available. I admit I was mad, but after being harassed by this company over several months without them respecting my privacy I feel I have the right to be. This whole thing has been humiliating and I feel like something should be done. Thank you.
After 5 years of spending thousands of dollars, as well as sustaining bankruptcy in efforts to save my home that is my primary residence, a company that worked on my behalf got my mortgage company, Nationstar, to agree to modify my loan, if I agreed to drop a 'QUIET TITLE ' civil suit that was pending in civil court against them as well as sign a legal statement from their attorney stating that I would no longer be represented by my former attorney. They sent me what I just discovered was some sort of general modification agreement and not one that is HUD oriented. The modification was originated by 'The XXXX XXXX XXXX who worked out the negotiations. My loan was modified to 2 % and the new monthly payments are more affordable and now I am able to continue to successfully meet my mortgage payments. However after I was no longer legally represented by 'ANY FIRM OR LEGAL REPRESENTATIVE ' ; three months into my trial period, the mortgage company REJECTED MY NEW MODIFICATION AND IS NOW TRYING TO FORECLOSE ON MY PROPERTY FOR THE 4TH TIME SINCE ALL OF THIS STARTED. I sought legal help AGAIN, and this time finally got help from XXXX of the HAMP agencies who work through HUD. BUT now they have told me that after finding issues with what I just went through, they could not help me either. I AM SEEKING A GOOD MORTGAGE LIGITATION ATTORNEY TO ASSIST ME WITH BEING SCAMMED OUT OF MONEY AND BEING TAKEN ADVANTAGE OF BY ALL OF THESE PROGRAMS WHO PROCLAIM THEIR HELP BUT NEVER HELP YOU ACHIEVE THE DESIRED RESULTS YOU SEEK. ALL I WANT TO DO IS TO SAVE MY HOME. I DO N'T WANT THIS TO DRAG OUT FOR ANOTHER 5 YEARS UNTIL I EITHER LOOSE MY MIND OR MY JOB AGAIN! Thus becoming a victim of 'less than qualifying income ' that will put me in the status of 'REALLY NOT BEING QUALIFIED ' for continuing to keep my home. Is this the undercover strategy being use to achieve the mortgagors primary goal? : : 'to obtain property for future profit ' ; NO MATTER WHO SUFFERS THE LOSS? PUT A FAMILY IN THE STREET FOR THE PURPOSE OF GAINING A PROFIT LATER WHEN TIME MAKE IT PROFITABLE FOR THEM TO DO SO! IS 'GREED ' THE NEW DESEASE WE NOW HAVE TO FIGHT? WHAT HAPPEND TO THE LEGAL ACTIONS OF FORFITING A CONTRACT? WHAT LAWYER CAN ARGUE THESE FACTS? PLESE CONTACT ME. I NEED LEGITIMATE LEGAL REPRESENTATION FROM A FIRM/ATTORNEY WHO IS WILLING TO SUPPORT WHAT IS RIGH UNDER THE LAW IN OFFERING ME THE LEGAL ASSISTANCE I NEED TO SECURE MY HOME FROM THESE PREDITORY LENDORS WHO BREAK CONTRACTS FOR THEIR PROFITS ' SAKE!
Northstar collections has been calling my home number for over three months trying to collect a debt on someone who does not live here and I do not know. I have asked them twice to remove the number, yet they still call 2-3 times a day. They also call at inappropriate times. On XXXX/XXXX/16 they called at XXXX. On XXXX they called at XXXX and XXXX. On XXXX/XXXX/16 they called at XXXX.
This was a misunderstanding a couple of years ago I actually went to their office in XXXX Michigan and they refused to help me with this issue they told me basically it was my problem they refused to write you guys a letter or write the company that is collecting a letter stating I owe them nothing more than my monthly bill I do not owe them any money I will go down there again speak with the manager and record the conversation and they will not do a thing to resolve this I asked them to call the credit card company or XXXX XXXX and they told me it 's my problem well they said they need to talk to while wow says another another thing I 'm getting really tired of this and it 's going to get very aggressive very quickly my phone number is XXXX my name is XXXX I want this resolved now by Monday morning I would like a phone call and this resolved or I will get a lawyer involved with wow. They are worse than XXXX when it comes to building in customer service
I had a debt with XXXX XXXX that was being handled for collections by an Attorney Gary Kreppel ( see attached ) .We arrived at a settlement and I advised I could pay by XX/XX/XXXX and it was agreed upon.The monies were sent but the check was never cashed.I am attaching evidence of payment and receipt of payment.The settlent letter evidences a date of XX/XX/XXXX but his office was informed that the earliest it would be there would be XXXX and I was informed that it would be no problem..He has been deceptive and I operated in good faith.I did n't receive the court notification until after the court date.i have moved XXXX in the last year.
I have contacted XXXX about this medical debt several times. I have told them that the debt was written off by XXXX XXXX hospital because Im a XXXX XXXX XXXX. I have secured a part time job and I need to pay to have this debt deleted. I can pay 40 % of {$490.00}, which is {$200.00}.
I 'm complaining against Equifax because of the following reason. Please see the docs that I 've attached which substantiate my claims : Equifax is reporting judgements against an XXXX on my personal credit file. 
" A business lien against the assets of an XXXX is recorded against the business credit report of the XXXX, not against the personal credit report of individual members. Ideally, the creditor should have no access to the Social Security numbers of members, and should use the EIN of the XXXX only for credit reporting purposes. If a business lien shows up on a member 's personal credit report, he has the right to request its removal. The asset and debt belong to the XXXX under established law, not the individual members. '' Equifax is reporting dates that do not exist such as XXXX Equifax is reporting balances when I 've provided proof that the balances should be {$0.00} Equifax has court names that do not exist such as " XXXX XXXX '' Equifax is the only credit bureau that has not removed these unlawful items from my credit report after disputing with them for 2 months straight.
This company has failed to provide me the information to satisfy my debt verification. This company will only send me a copy of when the account was open and the charge of date, but will not send me any information regarding the account of when the last time I paid or any information regarding the account such as billing. I have asked for a detail break down of the account and this company has refused to provide me the information requested. I have sent this company letters and called.
I 've been XXXX since XXXX with private XXXX as my only income until XXXX. In XXXX, my private XXXX company began to withhold my monthly benefit from me reducing my income by more than 50 %. This is non-cancellable policy insured to age XXXX. I purchase my home in XXXX XXXX with a loan from XXXX XXXX, who sold it to XXXX. I notified XXXX of the hardship. They informed me I had to apply for Hardest Hit funds first before I could get a loan modification. I did and Hardest Hit funds were applied to bring my loan current. Then I asked XXXX for a loan modification. XXXX turned me down because my loan was current via Hardest Hit. once the Hardest Hit funds were exhausted, I I applied for a modification. Through XXXX 's delays and putting me off- by the time they finally began talking to me about loan modification, they said I was too far behind to qualify for many programs. Many of the HARP programs I did n't qualify for because I purchased my home in XXXX. However, I was forced to purchase this home due to being displaced from my home purchased in XXXX XXXX as a result of an unexpected divorce. A home that I owned with my husband, but I was not on the loan with. I was the person who serviced the loan, but the lender would n't transfer the loan into my name because the house would n't appraise for the amount owed. 
In XXXX XXXX finally agreed to let me make trial payments which I did. After the 4th or 5th payment, they sold my loan to PennyMAC. They did n't like my signature the first time, then they did n't like the military format I used for the date the second time. Then there was some vague language about a {$60000.00} balloon at the end of the loan I did n't understand. As I communicated with PennyMAC, I was told my loan was in review as late as XXXX XXXX. The loan docs were expired, and they could n't send new ones but said I could apply for new ones. XXXX XXXX I received foreclosure notice and date to sell my home of XXXX XXXX. We submitted new documents immediately, but they only confirmed the docs on XXXX XXXX. They said it would take 30-45 days for an answer. 18 days later they rendered a denial saying they had exhausted all options and that my income was too low and what I was behind with penalty and fees was too much. As soon as I hung up with XXXX XXXX, I went to XXXX for an eligibility questionnaire and I qualified to apply. I received a confirmation number and will receive logon credentials for an application within 24 hours. l have a debilitating condition and I care for XXXX XXXX children who need the stability of our home which we 've enjoyed since XXXX. We 're the very example of why these programs are created, but the process is too complex to make them accessible.
I submitted a request from XXXXXXXX XXXX  XXXX for debt validation and the company was unable to furnish evidence that the balance or the account itself was a valid entry.
gs services is atempting to collect a debt that is not mine XX/XX/2018 XXXX   XXXX
Traded in my BMW and we were given a 10 day payoff good through XXXX. Check was received by BMW on XXXX but they refuse to close my account and charging way more per diem after the already received the check on XXXX they wo n't even apply the check. This is clearly inappropriate.