WillisBack/dataset-financial-user-claim huggingface dataset:
I have a new phone number ( XXXX ) and apparently, the person that had the phone number before me owed a debt to " Allied Interstate ''. Allied Interstate called my phone and asked for this other person. I told them they had the wrong number. They asked if I knew this person and I said no, this is a new number and phone for me. I do not know this person. The caller from Allied Interstate proceeded to yell and scream at me, call me names and harass me saying that I was trying to run from this debt! I just hung up ... She called right back! I have no way to block this number, they are calling the wrong person and can continue to call and scream at me whenever they want ... This HAS to be illegal? Thank you.
XXXX XXXX XXXX XXXX keeps calling me from XXXX trying to collect debt I have no knowledge of that isn't on my credit report. They were claiming that I owed {$3000.00} to XXXX XXXX XXXX  for a credit card, which doesn't make sense because I have both a bank account and a credit card with XXXX XXXX XXXX that are current and in good standing. The credit limit also does not match. Despite me telling them several times that I do not have any knowledge of this debt and that it's not on my credit report, they keep calling me and using predatory terminology starting that they may sue me for the debt. They also called my fiance repeatedly looking for me and tried to talk to him about paying my supposed debt that I have no knowledge of that is again, NOT on my credit report and I've never received anything in the mail from these scam artists. I saw that these people were sued recently and I want them to stop bothering me and threatening me or I will also sue them.
COMPANY OWED  :  XXXX .  AMOUNT OWED  :  XXXX  as of  XXXX   XXXX ,  2017 . TURNED OVER TO COLLECTION COMPANY : IC System- XXXX   XXXX  MONTHLY PAYMENT  XXXX .   XXXX   XXXX   XXXX   . Is   charging an extra  XXXX  LATE CHARGE DUE EACH MONTH FOR I GUESS  XXXX ! Why am I paying  XXXX  extra each month AND ONLY  XXXX  dollars taken off amount due? They are tripling balance due with  XXXX  extra fee tacked on! IM NEVER LATE WITH COLLECTION PAYMENT AS IT IS AN AUTOMATIC MONTHLY SEDUCTION FROM MY CHECKJBG ACCT!   XXXX   NO.  XXXX   XXXX . Please help as I am senior retired female on  SSI!
Mortgage process was started on XXXX XXXX. I have submitted every document requested within 2 business days, however, 4 1/2 months later this loan is not closed. Originator has been good to deal with but at this point I have received XXXX closing disclosure documents. The appraisal report is dated XXXX XXXX and a closing was tentatively set for XXXX XXXX but no one showed up to our location. There a plentiful excuses but I would just like this project completed.
Received phone call XXXX/XXXX/2018 from a rep from XXXX XXXX XXXX stating that my file was in the legal department and the next was to sue me for an unpaid debt. After expressing and providing proof of my lawsuit of me suing XXXX XXXX XXXX that closed my accounts and withheld my wages. I paid payments and this company still decided to send me to collections. This is now preventing me from getting another job. This needs to be put into law that creditors can not put this on your credit when trying to obtain employment. They were also aware of my situation also that i was constructively fired from XXXX XXXX XXXX as well. After making payments even in light of this information they still sent me to collections, again as XXXX my credit should not be affected due to no fault of my own thereby preventing me from getting a job that would help me to pay this off. The next step is court!
I have been working with my lender Wells Fargo regarding loss mitigation options. I have provided all supporting documents and now the day before the sale they are asking for additional information in which I did send in right away however they are saying the sale for tomorrow has not yet been postponed because there may not be enough time. I strongly feel my rights are being violated and that I may lose my home although I have done everything on my part to follow up and send in information requested.
My house went foreclosure in 2009, had XXXX mortgages, XXXX mortgage said they served me letter to court which l never got, but later went to the count, it indicated that they had served my daughter who was XXXXyears then who were being watched by my mom who did not know english and it also showed that the house was sold already, and according to what l asked them when l was getting the loan they had said if am not able to pay they were to take the house and not garnish my wages.IT seems they passed it over to the creditors who are garnishing me, and yet when l talked to XXXX they said the loan was written off because they got bail out besides house was sold, and even the credit bureau states that it was deleted by the court and it is written off. so now is there any way l can get help, or should go ahead and file for bankruptcy, please help with better option, am single mom with XXXX kids struggling to make ends meet, and working really hard but this is killing me l need better solution than bankruptcy, because that means l can never get the cheap house for the kids in the next XXXX years, struggle is really and this is really for me please give me quick solution before plan for bankruptcy, Thanks, God bless America, please help.
I paid my credit card balance in full on XXXX XXXX, 2017. On XXXX XXXX a {$5.00} fee was assessed to my XXXX balance account. I did not receive notification of this fee as Citigroup/XXXX do not have my correct address or email on-file. I was then reported as being 60 days delinquent. Upon realization of this, I immediately paid the amount due. I called the XXXX credit card company and was told that once the payment hit the account I could call back and the reporting would likely be removed from my credit reports. Once the payment hit I did call back, and was read what appeared to be a legal recitation stating the reporting would not be removed. I believe the credit card company charged the fee in an unfair and deceptive manner so as to generate fee income.
Issue with loan process and how things are handled. 
I applied for a loan XX/XX/XXXX and was preapproved.3 weeks later which is the process I signed papers XX/XX/XXXX. XX/XX/XXXX I finished signing documents. XX/XX/XXXX they said funds will be in my account 7-10 days later. This did not happen. I got an email from XXXX XXXX stating that the bank statement did n't verify ( it was a joint account ). SO I gave them my other account with a small credit union XXXX. I got a letter signed from the people at the bank verifying that is was my account. 4 days later I got an email saying they could n't verify my identity and they denied me XX/XX/XXXX. 

No one gave me a chance or ask me to provide anything more. I gave drivers license, birth certificate, social security and they ran my credit. 

I called and they could n't tell me anything as to why they could n't verify because it look good on their side. Then they told me to reapply. 

I thought this as strange as most companies do n't allow you keep applying. 

I applied again anyway to see. XX/XX/2015 I applied again. 
XX/XX/XXXX. I signed the documents on XX/XX/XXXX. I got an email stating my loan was approved. I called and spoke to customer service several times and they all said keep checking my account the funds will be in there. Give it 3-4 days. 5 days later they said because I have a smaller credit union it may take sometime. I called yesterday and they said that is hould be in my account no later than XX/XX/2015. I checked the sofi today and it is saying my account is withdrawn. 

I am so confused I never withdrew the loan and I feel like it was all a game to give me the run around. When I normally am approved for something and they say funds with be in account that is usually the case. I am not sure if this is a legit company. I have been nothing but patient and this feel like this is a scamIf the money was going to my account and I had been approved and the several customer service agents state the money would be in my account how did it go to withdraw status. 

I never got anything as to why the loan was in withdraw status. They said it was something that could n't be verified. If this is the case how did I sign loan and then they said it was not able to verify things. NO one contacted me and tried to see if this could be resolved. 

Also now I have XXXX unnecessary inquiries if they knew they were not going to approve me why have someone wait almost 3 months. This is very unprofessional.The representatives were so nice but I am not sure if this is a legit company or they just have you applying for nothing or to get your information
this two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XXXX/XXXX/XXXX both account 's
I have accounts in XXXX that are reporting incorrect data and nonpayment status. The accounts are being paid and almost zeroed out. I have asked that this matter be looked into as they are reporting outdated information to my consumer credit files in XXXX, Equifax and XXXX affecting my scoring and limiting my ability to attain loans and/or other credit based services or products. 

I am current and have made all payments on time. I am a XXXX XXXX  XXXX XXXX and do not have the time to be consistently battling these companies to update information which is their responsibility to do. 

I am asking for assistance in this matter from the CFPB
Thank you for helping me. Seterus continues to apply my on time/early house payment to principle, then charge me late fees. This is a habitual problem. The XXXX, 2016 house payment I wrote on the check and on the statement " XXXX House Payment ''. Seterus applied my payment XXXX XXXX, 2016 to ... ..you guessed it ... .the principle, again. When Seterus called I I said, " MY BURDEN IS TO PAY ON TIME. SETERUS ' BURDEN IS TO APPLY MY PAYMENT PROPERLY AND ON TIME. '' This is constant and ongoing. They have not reversed and corrected it. They are fining and feeing me to unbelievable proportions. I continue to pay on time and they continue to miss apply my money. My burden has been met. They are charging me fees for I do n't know what because I do n't pay late. They are careless and reckless when applying my mortg payment. Can you help? XXXX
I am having to submit an entirely new complaint because the loan servicer,  Specialized Loan Servicing,   did not address ANY of the numerous egregious violations which were included in our initial complaint. Although they took over the loan from  XXXX , they now defer all violations to them and to  XXXX   XXXX  with whom we have no issue at all. They still claim that we were denied a  Loan Mod  because of missing documents which is patently false and we have all back up documentation to prove that. Nowhere in " their response '' do they even mention the HOBOR and RESPA violations which were clearly and undeniably presented. That is correct. There is NO mention or response to our complaints. Instead, they provide boiler plate language claiming courtesy and expeditious handling of the matter when we have  17  unanswered attempts to contact our SPOC during the prior loan mod process. SEVENTEEN. We were forced into unnecessary BK because they were sending notices to an address in  a Different City. W e were not even given the " courtesy '' of a cost to cure. In short, their response to our complaint was a form letter filled with platitudes, assuming NO responsibility for their mishandling of our documents, egregious errors, and attempted foreclosure with NO valid means of notification. Banking ca n't get any worse than this. Criminal.
I bank through US Bank in XXXX Iowa, Address : XXXX XXXX XXXX, XXXX, IA XXXX. I have opted out from receiving over draft fees. However I am still being charged for them by manipulation of wording. I have attached a screenshot of my bank account balance. This fee is from US Bank because the ATM could n't retrieve money due to NSF. The fees are listed as the following:XX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Debit Purchase -visa Dd/br XXXX XXXX Ia {$9.00} - $ XXXXXX/XX/2015Overdraft Paid Fee Waived {$36.00} $ XXXXXX/XX/2015Overdraft Paid Fee {$36.00} - {$27.00}
Hello good afternoon my name is and XXXX XXXX XXXX I have a checking account with Citibank every two weeks this bank is over drafting me on so much fees now I looked on my account and it is showing I owe them XXXX cent I called them today a few mins ago and asked why do I owe them that amount they charge me a XXXX dollar sevrvuce fee then a XXXXdollar non atm fee and another XXXX dollar drafting fee Citibank is robbing me this is every two weeks they are doing this not only to me Im sure millions of people Im ready to cancel my banking with them cause its too much they are thieves I have a family and bills and rent to pay cant take them anymore
XXXX XXXX, I opened a BECU checking/saving account for my XXXX-yr-old daughter, and at the same time co-apply for her a XXXX credit card. 
XX/XX/XXXX, I noticed the credit balance reached the limit ( {$500.00} ). I called my daughter and discovered some fraud charges. So I call BECU XXXX department and got credit back within 5 days. BECU cancelled the old cards and sent us XXXX new cards a week later. As soon as those cards activated around XX/XX/XXXX, more fraud charges were posted on the account. My daughter called BECU XXXX to report. They asked her to pay her portion ( {$74.00} ) and put the rest on a claim for investigation. three weeks later, there is no answer. We came to the bank, XXXX/XXXX/XXXX, and was asked to fill-out a fraud claim form. Two weeks later, I called for status, BECU agent asked me to file on-line with her on XXXX/XXXX/XXXX. Two weeks later, I called again XXXX/XXXX/XXXX. And here is the answer from BECU : " We are still working on your claim. It usually takes about 10 work days. Your claim took too long because during the holiday we have too many fraud cases. BECU does n't know when your claim is going to end. ''
This 3rd party collector deleted this information from my credit report and then reported as a new debt. Lowered my credit score on XXXX or the XXXX major credit reporting companies, and has me looking like I dont pay my debt. I am attempting to land employment, this is hurting my chances of doing so with the negative information reporting. This violates my HIPPA righta nd I have NEVER EVER given consent to be prayed upon by this company. I DO NOT OWE STATE COLLECTION SERVICE A DIME. I have sent count less validation and dispute letters, now they re-insert this on my credit. I can not believe this please help [
To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 

The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX : XXXX The account balance is incorrect, please delete. 

11 XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

Please DELETE / UPDATE the above accounts as quickly as possible.
All  XXXX    Credit    agencies failed to respond appropriately to Attorney 's demand letter, ignoring the subject and disregarding the statute of the fair credit act. Experian willfully disregarded the letter on 3 more occasions responding with generic letters attached herein. In the process, Experian sent 4 different credit reports on 4 occasions. It came to my attention that Experian is willfully granting access to and business entity for no " permissible purpose ''. The report Experian sent me clearly cites credit inquiries totaling 13 that all state reason for inquiry as " Unspecified ''.    I called Experian and asked about this - they told me " Entities who have Certified to Experian they have a " Permissible purpose '' can have my credit no need for anything in writing or for Experian to verify my signature or consent.     Based on that premise, an entity upon making a request for my credit or any consumer credit can then certify - " No Specific Reason '' when asked why they want my credit. And according to Experian, no reason at all - this is " Permissible Purpose '' for Experian to hand out my credit report and personal information on demand to anyone who pays them. On the occasion of my credit report Experian mail to me, Experian gave out my credit for " unspecified '' reasons on different  13  occasions.     None of these occasions supported or authorized by myself - the consumer. I would like to seek compensation for ever time Experian has breached the act.
Collector states that a bill is due from the physician. According to the physicians billing group, no bill is pending nor did they send one to collection company. The credit people calling do not have my correct address, and are asking for payment by credit card over the phone. They have not provided any information as to who the exact person/company the debt is owed to. I believe this to be a scam.
I sent a message to XXXX XXXX because after paying on my promotional balance for Years I noticed that the minimum payment would not pay the balance off before the expiration of the promotion. When I signed up for the card and made the purchase, it was explained to me very clearly in advertising on television, the paperwork in the store, and by the store employees that the minimum payment on the promotional purchase was spread out from the date of purchase to the time the promotion expired. I asked the Synchrony about this two days ago when I noticed the problem. They responded with the same information-they said that the minimum payment on a promotional purchase is calculated by taking the amount of the purchase and spreading it out evenly over the duration of the promotion. When I told them that if that was the case then my account had a problem they responded by saying simply that if I didnt pay it off, then the payments made the last two months of the promotion would go directly to interest first. First off, like I said the payments are supposed to be spread out evenly and they are not PLUS Ive been overpaying so I dont understand their miscalculation. They REFUSED to research my over payments and reconcile the account when I requested it. Number two, - it legal for them to charge all of the interest two months before the actual expiration date of the promotion?
on XXXX XXXX, XXXX Trans union deleted XXXX off my credit profile on XXXX XXXX, XXXX Trans union deleted XXXX off my credit profile on XXXX XXXX, XXXX Trans union deleted XXXX off my credit profile Getting my annual credit report i noticed these items was placed back on my credit report without my knowledge or nothing was sent to me.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX RE : XXXX XXXX XXXX Decrease To whom it may concern ; I am writing to you about the recent actions you have done that has caused major damage to my credit scores. The same factors that you have stated that impacted my credit score, XXXX XXXX XXXX did the same damage to my score to have my credit score drop many more points. 

My XXXX card had a credit limit of {$3000.00}, to which I only had a balance of {$130.00}. I have been paying my payments on time and I did not have a high debt to limit ratio balance on this card. When XXXX made the decision to lower my credit limit from {$3000.00} to {$200.00}, XXXX created the exact negative impact on my credit report that XXXX claim to be against. Before XXXX action against my excellent payment history with XXXX, I was at 5 % usage to my credit limit. Now that XXXX XXXX XXXX has lowered my credit limit, Im at a usage of over 60 % to my credit limit. 

My credit report is supposed to be use to tell the truth about my spending habits. XXXX XXXX XXXX actions have falsified my credit report to say that I am using over 60 % of his available credit when in fact I was only using 5 % of his available credit limit. 

With the facts being stated above, I am asking XXXX to re-evaluate this process and to reinstate my credit limit so that the negative downward spiral of my credit scores can stop and return to moving upward in a positive manner. 
I do not believe the XXXX is in the business to intentionally damage the credit scores of the XXXX card holders or any individual that make payments to them for their clients. 

Thank you,
I signed up for an American Express Delta card that would issue me XXXX mioles if I charged more that {$1000.00} in the first three months. I more than exceeded that and have wrote them three times to get my miles. I have the terms and conditions which do not specify if you have ever had the card before. I have never got a response bsck from them.
I had a checking account XX/XX/XXXX with Huntington Bank. I had a item that returned and was NSF fee at the time. This fee was unpaid due to the lack of me being able to afford it and over time the fees were just tacked on to make my balance {$170.00}. I have since then filed bankruptcy in XX/XX/XXXX. Today, I have a checking account with this same bank and have for a year now. Today I wake up to my account being short {$170.00} because they decided after three years and since then a new account, they would take their money without me being aware of it. This debt has not only been sent to collections but was also included in my bankruptcy.