WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX have been harassing me via my cell phone. I 've sent certified mail with signature requesting VARIFICATION and have n't received anything in return. I have also disputed this through all three credit bureaus and they 've all writing back saying this account has been verified without any back-up document.
In XX/XX/2018 I received a minor bump in pay. I did the right thing and asked XXXX to recalculate my monthly payment. Their website and recalculation application failed to mention anywhere that they would recalculate monthly income based on a person 's regular pay but also any overtime earned that month. My monthly payment amount skyrocketed. 

I contacted an agent who told me to resubmit using my tax return. I received no response after doing this. I called again and another agent informed me that the prior agent 's information was incorrect. They advised that I needed to wait until I had a paystub that didn't have overtime and resubmit again. 

In late XX/XX/2018, I resubmitted a new paystub for recalculation. I then received two letters less than two hours apart that contained two different recalculation amounts. No explanation was provided in either letter. I emailed and received a response on XX/XX/2018 indicating that the first letter was based on the income tax recalculation which was incorrect. The second letter was for the correct amount. 

On XX/XX/XXXX & XX/XX/XXXX I again received two letters with different recalculation amounts and no explanation for why I was receiving either one. I emailed multiple times and received no response. I just spoke to another agent and was told that the response from the agent on XX/XX/XXXX was incorrect, that this 3rd letter I received was an error and now the 4th letter with an even higher amount was correct. 

XXXX needs to improve their transparency with customers, their communication, and train their agents better.
XXXX XXXX XXXX Mastercard issued by XXXX XXXX is not giving me my refund for an item I purchased in good faith that did not fit. 
On XX/XX/2018, I received a XXXX XXXX XXXX choker that did not fit so on XX/XX/2018 I returned it to Saks via XXXX. I placed the order online and send the item back immediately. I did not wear it, use it or abuse it. 
Saks claims the item is damaged and will not issue a refund. They are sending the item back to me. This item could have been damaged in transit during the XXXX rush or by one of their employees, but Saks chose to blame it on me and hold me liable for the amount of {$1000.00}. 
I need help resolving this. This has never happened to me in my life. I only had the item in my possession for 3 days and DID NOT USE OR WEAR IT. This is unfair and I need help resolving this issue.
Chase bank has been applying my payments to the part of my balance that has a much lower APR, instead of paying-off the newer part of the balance that has a much higher APR ... I feel this is incredibly deceptive as well as unfair because it keeps that new, Higher APR purchase on the books essentially forever! This is on my Chase Slate card. I was under the impression that payments, by law, had to be applied to the higher APR portion? Furthermore, what is completely unfair is that Chase will not tell you your balance!! I called them 2x today, XX/XX/2018 to ask how I might keep track of the balances that have different APR 's, as I pay off my debt, and in the age of computers even they told me they would not offer that breakdown ... are you serious? It is clear to me that their process is intended to keep the customer either perpetually in debt or indebted as long as they possibly can. And they hamper your effort to better your debt situation. This is totally lame.
I made my scheduled payment on XX/XX/2018 and paid the full amount to my mortgage lender, Home Point Financial. This was my third payment to them, as my mortgage was recently sold to them. Later in the month ( about two weeks later ), I received a modified escrow schedule. The schedule states that based on Home Point Financial 's Analysis, my payment will need to be increased about {$160.00} per month and the company " likes to keep a reserve in escrow of {$520.00}. '' It clearly stated this was not a bill. I received another such notice within about a week and this time the monthly estimated increase in payment was about {$150.00}. 

On XX/XX/2018, I received a letter informing me I was {$160.00} delinquent on my account for XX/XX/XXXX and threatened with collections. For the past week before, I had received calls every day from Home Point Financial where no message was left. On XX/XX/2018, I received a phone call informing me I was delinquent on the account and a woman telling me she wanted me to pay right now. I informed her I was looking into the matter and was in the process of making payment. She then threatened to send this to collections if it went due past 30 days. 

This prompted me to call Home Point 's customer service. I was told the balance showed XXXX on one screen and that I owed {$160.00} on another. The representative stated " well you have 60 days anytime your mortgage is new for payment so it's not an issue. '' She then attempted to collect the money and I asked about the authorization for the escrow reserve which was never granted by me. She sent me to escalations and I spoke with another gentleman. He advised the analysis on my account for escrow should not have ever been run and my payment should not have changed. He confirmed that if it had been changed, I would have had 60 days advanced notice. He said he would try to set my payment back to what it was and I would need to check to make sure the XX/XX/XXXX payment ( which I was told was held and not applied ) had gone through in a couple of days. 

I sent a message to customer service again inquiring as to the authorization for the escrow reserve and a better explanation of the analysis which was run on my account when it shouldn't have been. All I was told was they saw I spoke with someone on the phone and they " apologized for any inconvenience. '' So they make a mistake, demand more money and not notify me until long after my payment was made that I owe them for a large escrow reserve I never agreed to. On top of that, they then harass and threaten me with collections for their mistake???? This is not an acceptable business practice.
I started looking in to buying a house last year, pulled my credit, found this Stellar Rec on there, called, payed them, and it did n't get removed from my credit report, it was pain in full XXXX. Please help me get it deleted.
Despite requests for validation of the amount of the debt collector is trying to collect, the debt collector does not respond to my request for validation. Below the letter I have sent the debt collector : " In previous occasions I have requested a validation of the amounts you 're trying to collect, which are thee accounts amounting to {$380.00}. I do not recognize these accounts and I do n't have an account with your client. In accordance with the FDCPA, I am requesting a validation of the alleged debt as follows : Please provide a copy of the following documents : 1. A copy of the agreement with your client that authorizes you to collect this alleged debt. 
2. A copy of the agreement that bears my signature I allegedly promised to pay the original creditor the claimed amount. 
3. Complete payment history and equipment return credits for this account to prove that the amount you wish to collect is accurate. 
4. You license number issued by the North Carolina Department of Insurance that allows you to collect debts in this state. 

If you are unable to validate the amount claimed, with the information requested in items 1 to 4 above, or find out that the amount claimed is in error please proceed immediately to delete the account from your records. All information requested must be provided. Any information provided to the CRA must be deleted too. Failure to properly validate the debt will result in a complaint filed with the FCPB and, the NC Insurance Department and/or filing a lawsuit in Federal Court. ''
open new checking account XXXX and it showed bank america never resolved claim and took all my money on accounts I closed before 3 years ago and now they have no one to help me and yet they placed all below information on my current account THEY NEVER RESOLVED AND GOT AWAY WITH THESE MY ATTORNEYS INTERESTED IN A LAWSUIT IF NOT CLOSE AND MONEY RETURNED IMMEDATELY HAVE ONLY 5 DAYS BEFORE LAWSUIT.
Current status : Researching Claim - your information was received & we are reviewing Help for Researching Claim - your information was received & we are reviewing layer Claim ID : XXXX Claim amount : {$1800.00} Initiation date : XX/XX/2014 Features Paperless claim documents : Enroll in Paperless claims documents Alerts : Edit Settings for Alerts Claim received stage is completeClaim started stage is completeClaim in research stage is active Claim closed stage is pending
On numerous occasions, PNC representatives had made monthly payments on HELOC loan ( acct # XXXX ) nearly impossible. Due to prior bankruptcy in 2009, they do not have to provide statements of when or how much payment is due. On several instances, they refused to accept payment on account from my wife as she is not on the loan account. Being a HELOC loan, the amount due changes monthly and they will not divulge if the payment is sufficient or not. This may or may not have led to my prior dispute of erroneous negative information appearing on my credit report of over 12 months of being late on my payments. While trying to pay off primary mortgage and HELOC loans, PNC was very restrictive and uncooperative in providing information. They have not provided history of payments as requested by myself and prospective loan officer. As of this date, they are still holding up closing on a refinance loan due to erroneous negative information on my credit report and refusal to provided payment history and payoff information.
I DEPOSITED {$240000.00} with Compass Bank XXXX XXXX Texas with the unders derstanding the it would be used for a money market. when I asked to have it transferred to a checking account I was told that I would have to pay a charge of of {$6800.00} as a penalty. I have tried to negotiate a settlement ( Forget the interest but all I got was a blank stare. ( you knew what you were signing. ) I am soon to be be XXXX XXXX. What would I want with a 10 year bank CD. I was offered a new deal for three years at ( supposedly ) 10 % It was to be a XXXX bank deal but was told that the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) said that for 3 years with a cap on earnings that only XXXX of XXXX show a posting of more 0 %. 
than 1 % per annum XXXX XXXX. CANCEL all & give me my money back .. It is {$240000.00} which I want my family to inherit. I am not asking for interest although I suppose that I am I am entitled to it. But do not charge me {$6800.00} This was presented to me on two sheets of small print, the first which was fold ed over so that I could not see it and the second which needed my signature. 
I had a witness with me who can confirm this Product Information Bank is Compass bank, a worldwide Spanish Company at XXXX, XXXX Texas XXXX The local telephone number is XXXX XXXX XXXX The Manager is XXXX XXXX The Headquarters is in XXXX, Alabama and Telephone XXXX XXXX. 


My name is XXXX XXXX, of XXXX, XXXX TX XXXX Email XXXXXXXXXXXX Telephone XXXX XXXX XXXX or XXXX XXXX XXXX ( cell ) Review, I was sold what I thought was a money market fund and when I objected the bank said the only way out was to pay {$6800.00}. At almost XXXX XXXX a ten year note paying XXXX XXXX percent is ridiculous, no-one wants that. 

Hope that you can help me before my XXXX beats me to it. Thanks
I got XXXX collections on my transunion report that was deleted between XXXX XXXX and XXXX of 2017 and reinserted without prior notice and XXXX credit inquiries that was deleted and reinserted without prior notice, called them to solve the problem but they said they can not do anything.
My loan was tran sferred to Specialized Loan Servicing in   XXXX   XXXX .  SLS h as failed to honor the payment amount that  XXXX   XXXX  had in place while they serviced my loan. My payment amount was {$2600.00}.  SLS says that my  payment is over {$2600.00}. This is clearly wrong.  <P/> In addition,  XXXX   XXXX  ran an escrow analysis in  XXXX   XXXX , and my payment adjusted. When the loan transferred , SLS failed to honor the escrow analysis, and ran another analysis. The payments increased again, and I  was given limited help in having this issue rectified.
I sent an amount of money by using MONEYGRAM.COM, online, there were several holds on which payment was available but i had to constantly give them in intervals more and more information on my personal, i.e. Drivers license, DOB, address year of birth, SS and all uncomfortable information to a representative that was outsourced in a foreign country. I 'm now watching my acct notoriously along with alerting my bank of what transpired, I 'm cancelling the money gram acct and reporting them to all agencies as well.
In XXXX 2016 I was considering a new cash back credit card and called Discover to inquire about a new card with cash back features. I was told that an old account existed with discover and it could be converted to the new IT card with a {$100.00} bonus and cash back. 
I accepted the offer and a card was issued. When the bonus requirements were met I waited for awhile and the bonus never showed up on my account. Today I called Discover and spoke to XXXX and then supervisor XXXX XXXX. XXXX stated that no notation was made on the account when it was converted for the bonus, then XXXX stated that no offers existed during the time frame of the account being opened. I asked for a written response to my inquiry, XXXX XXXX stated the Legal would not like that and she was unable to provide anything in writing. I requested the address for the Legal Department, she declined to provide that address. 

As a bonus was offered to me when the card when I accepted a new card to be issued by Discover and the bonus requirements were met I should get the bonus.
Continues to repeatedly call my job and upsetting my supervisors. my supervisors telling me to tell them to stop calling me at work because it is not my private phone line to handle personal business but they wont stop.
On XXXX/XXXX/XXXX I made a loan with XXXX XXXX XXXX in the amount of {$1200.00}. The company was operating out of a Advance America store in XXXX, Ohio. Believing it was a typical small loan with going interest rate of of 24 to 28 % I signed the contract. The payments are {$330.00} per month. After making five payments I decided to payoff the loan believing The payments made had brought the loan to a small amount. I was shocked to find I still owed seven more payments of {$330.00} which totaled XXXX. The finance charge is {$2700.00} @ a rate of 307.76 %. I contacted and complained to the service center @ XXXX XXXX XXXX XXXX XXXX. I then went to my XXXX XXXX and had a stop payment made on my auto withdrawal account. I also called XXXX hot line and was assured they would stop the payment and adjust the account. This occurred around XXXX/XXXX/XXXX. 
I received a letter from XXXX dated XXXX/XXXX/XXXX saying I was obligated to still obligated to pay the seven payments On XXXX/XXXX/XXXX I receive a letter from Advance America stating their company had assisted me in acquiring the loan and they were assigned my loan which had a balance of {$2100.00} owned to Advance America.. 

On XXXX/XXXX/XXXX {$500.00} was taken out of my bank account without my authorization .There was only {$5.00} in the account.causing it to be overdrawn for a minus - {$530.00} including fees. I went to the band was told they could not do anything because the Company had changed the withdrawal amount. 
the letter from XXXX states they are going to withdraw another ( 4 ) payments of {$500.00} from my account.. The bank is trying to stop this from occurring. 

I am XXXX XXXX XXXX and can not afford to lose the amount of money. This type of operation must not continue. Finance Companies should not be allowed to take advantage of those in need of of loans especially elderly and uninformed seniors. PLEASE HELP TO STOP THIS PROCESS.
On or around  XXXX   XXXX ,  XXXX  I was notified by Bank  XXXX   XXXX  that Experian had posted a collection notice to  XXXX   XXXX  for a medical bill from  XXXX   XXXX  from  XXXX   XXXX  who has since closed   XXXX   XXXX   XXXX   and left the area. There was a bill for {$72.00} outstanding?  Two ot her charges from the clinic where covered.     After contacting Experian and  XXXX  I was told they had sent any letters to me of which I never received. After MANY hours searching I found out the  XXXX ,  XXXX  and Experian HAD T HE WRONG STREET AD DRESS LISTED FOR ME!     I paid the bill and fee with  XXXX  on  XXXX ,  XXXX ,  XXXX  for {$73.00} on the phone with a Check electronically with my  Credit Union.       XXXX   XXXX ,  XXXX  I filed a report  XXXX  with Experian and  XXXX  and having my address corrected and was told by both that this collection would be removed and my  Credit Score  would be CORRECTED. Experian still shows it has DROPPED FROM  XXXX  TO  XXXX  WITH A FAIR RATING?
Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below 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 XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 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/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
I hired an attorney ( XXXX XXXX XXXX XXXX XXXX to prepare and submit a rehabilitation agreement on my government backed student loans. National Recovery Inc., is the collection agent for some of those student loans. XXXX XXXX submitted my rehabilitation paperwork along with my XXXX tax return in XXXX, XXXX. XXXX XXXX had confirmation National Recovery received these documents. In XXXX, XXXX. XXXX XXXX personally spoke with a representative from National Recovery , Inc. They admitted they had the paperwork, the admitted they were unsure of what was holding up the process, but promised XXXX XXXX they we would have the documents within the week. It has been more then two months since we submitted the paperwork and National Recovery , Inc. has made NO ATTEMPTS to honor the application. I believe they are doing this so they can affect my XXXX tax return. Thus, I believe they are intentional and malicious ignoring the federal regulations.
I had a Bank of America card for a year and I made my payments on time without being late and I was supposed to get my  XXXX  deposit back after 12 months of good payments and I was denied twice in the past and I had a inquiry for that I got a letter from Bank of Americ a saying I w as denied because I had a past credit card that I did n't open up back in   XXXX   which I did n't open up I was  XXXX  at the time and did n't had no credit at all the bank found out there is no fraud so I was responsible for that card I feel like Bank of Americ a is lyi ng to me and m y credit score i s  XXXX  and they wo n't give me my  XXXX  back to me
Lender is pressuring me/ deceiving me in to purchasing products/ repairs I DO NOT NEED OR WANT
I am in the middle of a refinance. I have signed loan docs and gone through the recission period. At closing the new lender ran a new credit report and found that my ex husbands loan is now showing delinguent instead of as a foreclosure. It was showing properly in XXXX when I received my loan approval. The new lender has my divorce papers that show this property was awarded to him, my ex and we also provided a copy of the comissioners deed to confirm the foreclosure. This is where the problem begins. The loan was with XXXX XXXX and the loan # XXXX and the old property address was XXXX XXXX XXXX XXXX # XXXX XXXX hawaii XXXX. I have been calling this lender since last week Wednesday and they just give me the run around and nobody there can help me. I have asked to get to corporate and many supervisors all of whom cant or wont help me and the credit bureau will not fix the incorrect reporting without a letter from XXXX and they tell me only only someone in customer service can do this and that I have to email them. I have done this and they still say they have no email from me. I am now being asked for extension fees in order to keep my loan approval good until such time that they decide to help me. I am going to be saving over {$600.00} per month on my payments and I would like XXXX to pay any additional cost that I will incure due to the miss reporting on my credit report from this company. My email is XXXX and would appreciate anything you can do to assist me.
My credit card was reported 31 Days late to my credit bureaus but I was offered an payment deferment.
SPS is trying to dictate who I have as an authorized 3rd party on my file. SPS can not dictate who I choose to have handle my financial matters, this is not up to SPS this is up to the borrower. SPS must immediately CEASE and DESIST all demands as to who they say I have to authorize for my short sale request. If I do not wish my listing agent to be an authorized 3rd party then they will not be an authorized 3rd party.
I am very disappointed with 3rd party collector, I have disputed account numerous of times to validate the debt and they have n't responded back, but I 'll do it here with CFPB. As a consumer anyone disputing a debt with a 3rd party collector, first the collector needs to validate the debt.
XXXX XXXX XXXX reported a debt that they claim was owed by original creditor, XXXX XXXX XXXX XXXX. However, I was never notified of the debt prior to either company negatively reporting the negative balance. I contacted the original creditor and paid the balance owed in full ( XXXX - confirmation number ) with a verbal promise they will update my record with the collection agency.
I spoke to XXXX XXXX XXXX for my XXXX XXXX credit account that I have court payment agreement to pay {$40.00} a month. The lawyer at XXXX received a prior complaint, however, he wasn't willing to negotiate removal of the charge-off. I have a payment agreement and I want my credit report to show I'm paying the debt and its no longer a charge-off. He refused. 

In all fairness, I am doing my part to rectify the payment of the debt. However, as a consumer, I want my credit report to reflect accuracy. ITS NO LONGER A CHARGE-OFF. Stop denying me my right to a fair report.
I have tried to lower my monthly payment time after time. I have asked if my cosigners could be taken off the loans. Navient will not help and has stated that I need to include cosigners income when trying to lower my payments.