WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted select portfolio, explained that a repayment arraignment would not work I needed a modification. I was told additional documents were needed. I received a request in writing of the documents with a date needed by. Prior to this date I receive another repayment plan. When I called and told the customer service agent what happen they said thats all I was getting, I explained all documents that were requested had not been submitted I was told " not neededI already have what they are offering ''. Please help
I canceled my Costco Anywhere Visa. There was about {$70.00} accrued XXXX on the card at the time I canceled it. Now Citibank tell me that the money is forfeit because I canceled their card.
Between  XXXX   XXXX  and  XXXX , there were  XXXX  fraudulent charges on my card account under the merchant name "  XXXX    XXXX   XXXX  . '' I disputed the charges online, locked my card, and had additional questions that were outstanding  ( w ould my interest be calculated excluding the fraudulent charges? Since my billing date fell before their estimate of when they could remove the charges, would the credit bureaus be told the incorrect total balance on my card? ) I calle d Capital One 's   fraud department, identified myself and the issue, and the person on the phone said " Ok -- we 'll lock your account ... Looks like those charges are already frozen? '' She had no idea what I was asking, so I asked for a supervisor. I got on the phone with a supervisor ( Sounded like "  XXXX  ' ' )  who then told me that I should just make sure to pay for the specific charges that I actually made, and just not pay the fraudulent ones. I explained that a credit balance is a number -- a consumer does n't get to choose where they pay. Then I asked for her supervisor. I got on the phone with ANOTHER supervisor, who I asked my questions of, who then said that " Obviously, you would need to call the fraud department to ask those questions. '' I explained that in fact, I had called them. Then she said " Oh -- they transferred you here? We have this problem all the time. '' At this point I had been on the phone asking for help fo r 45 minutes and missed a meeting and had zero a nswers and had been told that OBVIOUSLY I would need to do what I already did to get help.
On today 's date, XXXX XXXX XXXX, I received a letter attempting to collect a debt. Upon receipt of this information I contacted the original creditor, XXXX, and confirmed with one of their supervisors, XXXX, that I do not currently and have not ever had an account with them sent to collections. This was verified with my social secuirty number. I then contacted the collection company, Convergent outsourcing inc., and spoke with supervisor XXXX XXXX ( sp? ) Who stayed that the debt was from an account during the period of XXXX XXXX - XXXX XXXX. At that time I had my service with XXXX XXXX XXXX and therefore the debt if false and illegal. The supervisor insisted that the original creditor would have no access to verify if I had the account or not. I told her that I dispute the account. This is a violation of the FDCPA ( Fair Debt Collection Practices Act ) and illegal representation of a debt.
I have been trying to dispute innacurate account information on my credit file with equifax since XXXX 2017 provided proof of the information that need ot to be corrected letters have called numerous times to attemp to resolve it they state is fixed ive been trying to get a mortgage loan but every single time they denied mw because my scores are not reporting accurately and accounts are no being removed but are stil showing under a dispute status preventing the lender to pull accurate information and til this day already XXXX and equifax not only i was notify as been part of their fraud issue where my information was compromise not even an apology they havent been diligent in fixing this issue for me i tryed too many times cant no longer deal with them as they are very negligent i am a single mom of XXXX trying to buy a house for them and cant get pass this issue to be able to buy a home for my kids and get the opportunities i deserve because of them i decided to report them and even consider legal action agains them please help me i dont know what else to do or who to go to ive spoken to representatives supervisors and nothing seems to work once again thank you for you time and hope this resolves the issue
I was targeted for the Citigold banking XXXX AAdvantage miles promotion that was happening. I followed the terms and legitimately funded the account with XXXX of my credit cards and began to use the provided debit card for bill pays and spend. When I hit my promotional requirements of spending {$1000.00} and making 2 consecutive bill pays, I was told that I have met the requirements and will now just have to wait 90 days ( until XX/XX/XXXX ) to get my miles.I was charged {$60.00} dollars of maintenance fees in this wake. After XX/XX/XXXX hits, I have not gotten my miles and they are telling me they have to INVESTIGATE my account which will take ANOTHER 90 days. That 's another {$90.00} of " maintenance '' fees.
After debt was paid and satisfied through XXXX they continue to call and harass me during work hours ( normally around XXXX ) stating that the original debt holder ( AES ) never sent the confirmation of the debt paid. My bank account shows they payment was paid to them. 
It is their job to follow through with obtaining confirmation and removing me from the collections dept. 
Ive explained this numerous times and they continue to call despite accepting payment.
I am not liable for the XXXX XXXX Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I currently should not have any Charge Offs on my credit file at all. The date the first major delinquency occurred was in XX/XX/XXXX for my husband 's account. Instead, XXXX XXXX chose to place the date of filing to re-age the debt this is illegal. They are also furnishing erroneous information disputed to the Credit Bureaus intentionally a violation of my rights under the FCRA. They are showing a Charge Off with a balance due on an account that was my husband 's included in his bankruptcy filing trying to make me responsible for his debt. The attached dispute is the XXXX one is over XXXX days. XXXX XXXX verified the information on the report as valid when it is not. Multiple legal violations of FCRA and of my Chapter XXXX injunction, intentional misrepresentation of a debt to attempt to collect. They added the account after my husband filed for bankruptcy in an attempt to collect the debt - reaged the account and in violation of the bankruptcy injunction for myself are showin 10000+ owed and a Charge Off. This is illegal as is re-aging the account which they also have done. Disputed for the XXXX time after XXXX days with Equifax.
This is my third attempt to have Fifth Third Bank prove that I was in the bank when a teller showed my husband the details of MY account which they never should have since he was not on the account. They claim I was in the bank with him at the time which I was NOT. I was at home recovering from XXXX. How can this case continue to be closed when they violated my privacy and their own published privacy policies? I will continue to fight this inappropriate and illegal action against me. 

I have also asked for copies of all bank statements of all accounts including mortgage. They have failed three times to provide it all. They provide pieces or duplicates and then tell me they won't provide anymore. I expect ALL COPIES OF ALL ACCOUNTS.
I was a customer of Caliber Home Loans. When I refinanced, they failed to fully return my property tax escrow. I went to the county tax assessor and confirmed that a disbursement Caliber claims they made was never paid out. Twice I have opened a case with Caliber. They tell me I have to wait two weeks for a resolution and that they are escalating. Twice now they have 'accidentally ' closed it and told me I have to start all over again. I feel they are trying to keep my money ( over {$2000.00} ).
I previously filed a complaint with the CFPB, complaint # XXXX regarding Fraud on my XXXX XXXX Credit Card with Barclays Bank of Delaware. Even though I had indicated on my text alert replies to Barclays that the charges were Fraudulent, on the very day that the fraud occurred, Barclays Bank allowed them to go through. Where is the protection to the consumer by Barclays Bank? What is the point of a fraud text alert if the bank is going to allow the charge to go through anyway? 

XXXX from the Office of the President called me in response to my complaint, assured me that the case was still in dispute with Barclay 's .... even though the CFPB closed it due to CFPB rules, and I would not be charged the {$3000.00} that is in dispute. 
However, as my credit card was on auto-pay, Barclay 's Of Delaware took the amount out of my bank account to pay it, though it was not authorized to do so. XXXX XXXX had assured me on XX/XX/2018 that the matter was not going to be resolved fully until XX/XX/2018 and no monies would be required until he spoke to me. As indicated above, Barclays used autopay on XX/XX/2018 to pay themselves despite the matter remaining in dispute. I am therefore opening a new case to address these issues. 

This was in direct contrast to XXXX XXXX 's assurances to me that the fraud case was not yet resolved because the bank had not resolved the fraud investigation from the merchant in XXXX that had committed the fraud. 

We were told that these conversations have been recorded on Barclays recorded line. For the past two weeks, I have left repeated messages and received no calls back until finally, today, XXXX XXXX answered my phone call. 

He now says that he can not explain what charges were made that add up to the {$3000.00}, other than the fraud charges that were made on the account! I closed the account in XXXX, and the autopay was taken out in XXXX. 

I feel that Barclays is stalling for time, and promises upon promises of escalating the matter have amounted to no communication. Do they expect the consumer to get tired of a lack of response and resolution of a matter, and just hand over this kind of money that can't even be explained by them? 

XXXX XXXX told me the money is still in dispute even on today 's phone call, but can not explain to me, or show me any accounting form to explain that I owe this money. There is a serious problem here, and nothing is adding up. I have nowhere else to turn to get a full explanation. Please help!
I am attaching a letter from XXXX XXXX XXXX ( XXXX ). The same information was sent to XXXX, Equifax and XXXX in XX/XX/XXXX and XX/XX/XXXX by XXXX advising each to delete an open record they were reporting against me for XXXX. I also wrote each bureau in XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting that they follow through with XXXX 's request and delete the record. None either replied or deleted the record. This libel is affecting my credit score and contributed to a higher rate of interest on a loan I recently received. I am applying for another loan so this record is affecting it too. It is my opinion that the credit bureau 's are scams set up to discredit select classes of individuals. Further, these bureaus assert that it can take months to correct their records. This is unjustified, and I do not have months to finalize my current loan application. In this age of technology all such delay is utter nonsense and unacceptable especially given that loan considerations are impacted immediately.
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Transunion is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
I applied for a payday loan of {$570.00} in XX/XX/XXXX. The first payment was due on XX/XX/XXXX, of {$270.00}. Paynent was successfully paid. I told XXXX, That I would like the payments to be paid on the XX/XX/XXXX or XX/XX/XXXX of each month. She said OK. I contacted her to let her know that I had change my bank account because, someone had taken XXXX from my account. Even so, the bottom line she is saying in order to pay this account off I need to pay on the tenth of XX/XX/XXXX {$420.00}. and that is only a payment. I asked what was the interest she said 0.5 percent interest. The next payment I do not know what she will add on. I needed the money and I feel this is a rip off. Can you help me. In addition I believe the interest is totally wrong. 0.5 percent.
This is a complaint about both payment allocation and loan servicing customer service. After absentmindedly missing a payment I paid the full balance the following month, and, on a subsequent login to Navient 's website, the limited information available to me on Navient 's website showed that Navient had allocated the payment nearly equally between principal and interest ( allocation in prior month 's was about 70/30 principal/interest ). The information available to me on Navient 's website did not reflect allocation of payment to any fees. 
I submitted a request through Navient 's website for information regarding Navient 's calculation of the allocation. It took several days to get a response to this inquiry, and Navient 's answer was mere boilerplate - Navient 's answer referred me to the Promissory Note, without indicating specific sections or language, and without providing any analysis applying the terms of the Note to the allocation of payment to interest for my specific loan. Navient 's answer did not state that they had charged any fees. Meanwhile, Navient continues to charge interest. 
Although I submitted a new message through Navient 's online messaging platform, Navient 's messaging platform does not allow borrowers to " respond '' to communications from Navient, which unnecessarily interrupts the continuity of communications and tends to make it more difficult for borrowers to get answers from Navient and to restore their loans to fully paid-up status ( i.e. to make payments without fear of misallocation ). 
The lack of information about my loan on Navient 's website, Navient 's failure to provide information on request, Navient 's failure to respond timely to communications through their website, the fact that Navient does not provide a messaging platform that allows for cumulative correspondence in " threads, '' and the fact that Navient continues to charge interest during attempts to communicate about the loan all tend to suggest that Navient abusively inflates interest charges by delaying resolution of borrower questions to facilitate future payments.
I have been receiving calls on my cell phone and work phone multiple times per day from XXXX at Atlantic Credit & Finance about payment of a past due XXXX Account. He threatens and is very rude and condescending. They have sent me NOTHING in writing to tell me what my balance is or what my options for repayment are. They just demand I commit to paying them {$50.00} every month. We are looking at many items owing and I told them we are evaluating what we can commit to. He then threatens me and tells me they wo n't wait and will just sue me. Again I ask for something in writing showing my balance. I paid XXXX directly {$120.00} this month and they can not tell me in fact if it was applied to my accout
Called a phone number not linked to my account. My mother called saying chase has been calling her. I never gave chase her number or authorized chase to call that number
On XX/XX/XXXX, I received a XXXX alert where someone added an address to my credit file that did not match any of the addresses where I stayed or have on file with XXXX. XX/XX/XXXX, Tek-Collect added a collection to my credit file that did not belong to me. XX/XX/XXXX I sent a letter to Tek-Collect requesting they send me any information validating this debt. On XX/XX/XXXX XXXX XXXX. XXXX sent me a document from XXXX XXXX XXXX. After carefully examining the document there was the address that was added to my  credit report and the person 's birthdate that did not match mine. I responded on XX/XX/XXXX informing XXXX XXXX that the debt was not mine, I never lived on XXXX. XXXX, that was not my doctor and certainly not my birthdate. I did inform him that on XX/XX/XXXX that someone added the XXXX XXXX address to my credit file. After waiting several weeks, I did not get a reply from Tek-Collect and the error remained on my credit file. XXXX and XXXX, after receiving my proof of address, utility bill and valid driver 's license with  birthdate, they promptly removed the collection from my credit file. However, this debt remained on XXXX. On XX/XX/XXXX I file a dispute with XXXX ( confirmation # XXXX ) disputing the address and the debt collection. They asked that I send them a valid driver 's license, copy of my social security card or XXXX form and Utility Bill in my name within 24 hours of my dispute, which I did. 
On XX/XX/XXXX XXXX said 'if they were able to make changes to my credit report based on the information I sent, they have done so. Otherwise, we, ( XXXX ) contacted the company reporting the information to XXXX for them to investigate your dispute. 
- We request that the reporting company verify the accuracy of the information you disputed ; - We provided them with any relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation and - We request that they send XXXX a response to your dispute and update their records and systems ' As of XX/XX/XXXX, I  have not heard from Tek-Collect and XXXX sent all my personal information they requested Tek-Collect and the collection remains on my credit report. Now, I 've found out that my personal information through XXXX has been compromised. I want this debt collection removed from my credit report because it is not mine.
on XX/XX/XXXX I received a message at my job about something regarding a county petition and to call " XXXX XXXX ''. I called to realize this was not the county calling me but someone from Oracle Financial Group saying I owed a debt I did not realize I had. This was the first communication about this matter. I have never received any written notice about this debt. I began to write down the who, what, when, and why so I could make sense of what I was being told. I asked " XXXX XXXX '' for her first name and was immediately placed on hold. After coming back from hold " XXXX XXXX '' came on to the call and the first thing I was asked was if I was recording the call. I said no, and " XXXX XXXX '' proceeded to tell me she was attempting to collect a debt and if I did n't set up payments through her department which she said was the litigation department that she would submit a petition through the county I live in and that I would be served at home or my place of business. I calmly and respectfully informed her I am not trying to negate my debt or anything she was saying but that I had to contact the lender ( XXXX XXXX XXXX ) and verify everything she was saying before I agreed to any payments and that I hoped she understood. She hung up on me. I contacted XXXX XXXX XXXX which informed me my debt was half what ORACLE FINANCIAL GROUP stated it was and that my case had been sold to " XXXX XXXX XXXX '' and to call. I called given the number provided and I was sent through an automated loop which informed my they are a " XXXX XXXX XXXX '' and that my account was most likley sold to ANOTHER debt management company for collection which they do not do, going through to eventually a call dying. I tried again and same thing. Obviously there isnt a customer service person. I found them online and it said for fastest contact fill out a form for contact 24/7, with a sentence literally following it saying response within 3 business days. I finally found an online form to find my account was indeed forwarded to " XXXX XXXX ''. who I can call however get hung up on, no answer, no way to contact them other than filling out a form and waiting for a response. All while ORACLE FINANCIAL GROUP is likely filling a petition for this debt which I can not confirm they own because they refuse to provide any documentation unless I pay. I pay or get served.
I had a lease with USBank. It has been one of the worst banking experiences I 've ever had. Their autopay feature never worked, though I tried to set it up multiple times. In addition, every month their web site account summary showed a different amount due ( typically {$0.00} ) than their PDF monthly statement. I never knew how much I actually owed. They often charged late fees even though their web site account summary and payment page said {$0.00} was due. 

All of this is just context for how my 39 month lease experience went. My specific complaint at this point in time is the charge I received on XXXX XXXX, 2018 for Excess Wear & Tear after returning the car. The car had only normal wear and tear -- no accidents, no serious dents, and it was garage kept in the winter. In addition, it was well under mileage -- the lease included a total of XXXX miles, but the car was returned with under XXXX miles. 

Still, after all of this, they 've billed me for an Excess Wear & Tear fee of {$190.00} ( plus {$12.00} in tax ). This does not seem right.
We started modification process with Bank of America for XXXX of our mortgages XXXX of XXXX. We simply asked them to review our status and perhaps just lower our monthly payment so we could afford to live in our home. At that time, we were advised the only way that bank considers modification application is if we stop making mortgage payments and fall behind of our payments. We had no to intention of Short sale or foreclosure. My husband 's income dropped from when we bought home to XXXX, we used all the savings to pay for mortgage payments. we had meeting with XXXX of XXXX XXXX and were advised to apply for modification because our house was under water. After many months of application submitting, B of A sold our first mortgage to another XXXX XXXX and we got our modification with in a month and finished one year of our modification and never missed a payment. 
As far our second mortgage, we got denied on XXXX/XXXX/XXXX and transferred from XXXX account manager to another until XXXX/XXXX/XXXX. In the meantime, our no payment status was getting deeper and deeper with Credit report agencies. We started our trial payment and made proper payments on time. We received a letter from B of A on XXXX/XXXX/XXXX that we completed our trial and are approved for modification but to know that not only we are NOT going to have lower payment but have another 13 months added to the life of our loan. So we talked to our XXXX and decided not to accept the offer and started making our normal payments little more to catch up with the delinquency. As we were catching up with our missing payments and our mortgage balance at the time was {$100000.00}, we got a letter XXXX/XXXX/XXXX that thru Department of Justice settlement, our full principle balance was due for a forgiveness in amount of {$100000.00}. After contacting B of A, we were advised that any payments made until this process goes thru will not be refunded to you. After many phone calls and misleading answers finally this process was completed on XXXX/XXXX/XXXX and the lien was released. In the mean time, they were report us to credit Bureau, late payment, missing payments.
I call to resolved this issue with the merchant and after a failed attempt I initiated a case with the Bank. I spoke with approximately 7 people on XX/XX/XXXX about this situation. Representatives talking to me as if I did something wrong- Unbelievable! <P/>I am absolutely appealing the denial of my claim. The merchant did not receive my authorization to charge the amount and this is Fraud.