WillisBack/dataset-financial-user-claim huggingface dataset:
I just ordered XXXX XXXX from Barclays. It was the first payment of {$47.00} I had to make, yet I couldn't find the physical card, which was mailed to me and which I needed to open an online account to submit my payment. Therefore I was 3 days late and was charged {$27.00} fee. I disputed it, but not fast enough, so another {$27.00} fee was added at the same time the original {$27.00} late fee was waived. 

It didn't make any sense to me, so I disputed the second fee too. My request was denied it looks like by a computer. I requested for a human to review my case, but instead I was slapped with a new late fee of {$37.00} and was given lots of suggestions about watching my account. Though obviously I have some experience with that, because I have several other credit cards and my XXXXredit score is above 800. 

There were actually no money I owned to anybody for my purchases. Just late fees on the late fees. So I disputed it again, mentioned about my good credit history, and explained that unless Barclays does what I see as sensible, I don't want to be their customer. As a reply I received instructions how to close my account. 

I followed them at once to avoid accruing even more late fees, and will appreciate your help with recovering the current {$66.00} of late fees and interest on a {$47.00} purchase, which amounts to about 140 % penalty.
I had recently filed a complaint regarding the fraudulent card, but the dispute was denied for the following reasons, someone opened an account XX/XX/XXXX, with my " approved '' name, verified address, telephone number, email address and other personal information. After I explained the person who did my taxes had not only stolen my identity but others she had done taxes for as well. In other words, she had all of our information listed above and more personal information such as social security number and bank account information to have my money deposited into. As I mentioned before, this went into an account I hardly use. The purpose was to have my tax money there for a total of 5 years to help with my down payment of home. In which I discussed this with her as well. So it was pointless to check this account. I knew the amount of my taxes that would go into the account. And that was the only thing going into that account, which was only tax money. Then you think, why didn't you all press charges. Well once we all figured out what was going on, that person who did our taxes was moving from state to state. She would go from atlanta, to virgina, back to different cities in North Carolina. And in order to press charges you would have to find the person first. But I guess people do not believe these things happen.I even attached the documents from the IRS regarding identity theft, and how this person continued to file taxes using my personal information. Leaving me stuck to pay penalties etc. So I am stuck with paying off the balance. In which I sucked it up and started to pay, because I have no other choice unless I want my credit to be ruined. So now I am making these payments, but the balance is steady increasing due to interest. One day my balance is {$2100.00} then the next is XXXX, and I'll make a payment and then the balance grows some more so it looks as if I have not paid anything. It's ridiculous. Then it states on XX/XX/2017 I called and verified items that were mine and were not mine. If this person had ALL of my information. Guess what she was the one who verified, not me. This person even went and had a XXXX XXXX place account in my name all the way in Georgia. A whole different state. In which I caught the upmost trouble trying to resolve. Why because she made two months worth of payments using a credit card and later discovered the card was canceled. Why? Because it was stolen. This has been on frustrating experience with XXXX. First making them aware I was not the card purchaser, second sending them all the information regarding the identity theft, third being stuck paying the balance, and now the interest feeling as if I am getting anywhere due to this high interest. It's impossible for the balance to decrease even though I am making payments because I have to.I never even physically received this card. I only know the account number from the previous complaint and calling in complaining.
IN ABOUT XXXX OF 2017 XXXX REPORTED A REPOSSESSION TO MY CREDIT WHEN MY BANK ACCOUNT WAS FROZEN FOR A 2 MONTH PERIOD OF TIME DUE TO IDENTITY THEFT. 
THE ACCOUNT ON XXXX WAS PAID AND THEN WRITTEN OFF BY THE COMPANY. THE ACCOUNT SHOULD NO LONGER SHOW ON MY ACCOUNT AND SHOULD BE REMOVED AS IT WAS TAKEN CARE OF.
I went to NFCU because I wanted to consolidate some major debt I had with some credit cards about a year ago, they gave me an super high Apr % which I have been struggling to maintain payments with. I reached out to my chain of command and was advised to reach out to them about using SCRA benefits which I qualify but they have denied me the opportunity to use that benefit. I reached out to all my other creditors with the same issue submitted my set of XXXX as requested and they were very helpful by placing me in the SCRA program which I have been able to manage payments. I hope something can be done to fix this issue.
Central Finance Control had placed this negative items on my credit reports without notifying me. I filed an dispute with Central Finance Control on XXXX and they never responded to my dispute. Central Finance Control violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. I had requested this items deleted off the CRA within 15 days from the date of the dispute letter.
XXXX has failed to comply by not completing investigation within a 30 day period of time as per the law for multiple requests
I am writing a formal complaint against XXXX XXXX XXXX and LenderLive. I closed on my home through a VA Loan on XXXX XXXX, XXXX, through XXXX XXXX XXXX ( XXXX ). XXXX started using LenderLive for servicing payments on my loan without notifying me in advance. I continued making payments on my mortgage. On XXXX XXXX, XXXX, I received a call randomly asking me where I want my payments for my mortgage. The caller claims her name is " XXXX '' and represents XXXX XXXX XXXX. I voice that the call sounds like a phishing attempt as I have never received a call like this. XXXX threatens to return my payments without applying them to the loan. I voice my disagreement with her actions & voice my concerns that returning payments I have made on the loan without applying those payments to the mortgage sets a dangerous precedent. I asked to speak with XXXX 's supervisor, and she refused that request as well. I called LenderLive later to confirm that my payments were being applied to the mortgage. A Lender Live employee confirmed this information later that day. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that my loan is being transferred from XXXX XXXX XXXX. XXXX 's letter makes no mention of Lender Live, leading me to believe it is a phishing attempt. Also, XXXX XXXX, XXXX, I made a call to Lender Live to discuss why a Lender Live employee threatened to return payments and refused to get a supervisor on the phone during our call. The supervisor I spoke with confirmed " XXXX '' made the call on XXXX XXXX, XXXX, and confirmed he would review the XXXX XXXX phonecall. I asked what relationship LenderLive has to XXXX. The supervisor confirmed that LenderLive has a relationship to CENLAR and confirmed that my loan was being transferred. I reminded the Supervisor that mortgage servicers are required to provide written notice at least 15 days before the effective date of the transfer. The supervisor retorted that the letters were sent out prior to the weekend and thus meet the 15 day requirement. The supervisor at LenderLive did not have an answer for why I had received a notice of transfer from XXXX dated XXXX XXXX, XXXX, and yet LenderLive failed to meet that 15 day deadline. In summary, my complaint names XXXX XXXX XXXX, XXXX, and CENLAR. My concern with XXXX is that my VA XXXX is being set up to fail by a mortgage servicer with numerous complaints and XXXX ( XXXX ) star reviews on numerous websites. Finally, the pattern exhibited in my complaint consists of XXXX XXXX XXXX and LenderLive ignoring the laws set by RESPA and the FDCPA and failing to meet the requirements of providing written notice within the set timeframe.
Online I we nt to www.AnnualCreditReport.com to get the one free cred it report per year that citizens are entitled to by law.  XXXX  provided this free report online with no problems.     MY COMPLAINT : Equifax and   XXXX   both would not provide the free report ONLINE. Their websites told me I had to use snail mail to provide them with paper copies of my drivers ' license, social security card, letters showing my address, lists of past addresses, employment verification, etc. and only then would they snail mail my free credit report to me. In other words,  XXXX  and Equifax put up every possible roadblock to make it difficult to obtain t he one free cr edit report per year that citizens are entitled to by law.     MY REQUEST : Please make Equifax and  XXXX  comply with the law and provide citizens with one free credit report per year ONLINE like TransUnion does.     Thank you
I spoke with a representative from the company called Santander about Mailing out the title to a car I just finished paying for this was on XX/XX/XXXX the representative inform me that the title was put in the mail on XX/XX/XXXX she informed me that it takes up to two weeks to receive the title I called again on XX/XX/XXXX and spoke with another representative and the representative is giving me the run around all I want is the title to the car I paid off
I just want to know if the this debt collection agency is legitimate, which is does not seem like it is through doing some research on the web. The company is called API and they are attempting to collect a debt from a Payday Loan I took out. They had correct information regarding the loan and the representative also had the last four digits of my social security number. But he told me that they were going to submit a judgement against me and go to my place of work and or home to serve me and in addition garnish my wages. He sounded so legitimate, but I 'm having my doubts since he was supposed to email me information which I never received and now doing my own research it seems the company does n't exist and I 've been scammed. From what I 've seen on the web, this company has been scamming individuals out of money. Can someone please contact me as I did give this person my debit card number.
ON XX/XX/XXXX I WAS AT A PLACE CALLED XXXX XXXX AT XXXX XXXX XXXX XXXX FL XXXX PH XXXX AT THE CASHIER - WAS TRYING TO PAY FOR REPAIRSS TO MY XX/XX/XXXX XXXX MOTORCYCLE AND THEY SAID THEY WANTED TO MAKE COPIES OF MY CREDIT CARD FRONT AND BACK AND A COPY WITH MY FLORIDA DRIVER LIC - I SAID NO - BUT THEY SAID IT WAS POLICY AND THEY DID THIS TO ALL CUSTOMERS - I BELEIVE THIS IS A BAD AND POSSIBLE ID THEFT AND FRAUD IN THE MAKING - YOU NEED TO INVESTAGATE THESE PEOPLE BEFORE THEY STILL PEOPLES MONEY AND ID ETC
1. I sent in supporting information to reflect an account as paid in full 2. The reporting agency keeps ignoring my request to have my account updated 3. I mailed out the attached letter of satisfaction to the following reporting agencies XXXX / Experian and XXXX XXXX and never received a response in over 4 years from either. 
4. XXXXI XXXX XXXX XXXX Experian/ XXXX XXXX 5 . To many names to remember over the past 4 years
My SS Retirement check is directly deposited in Direct Express the XXXX of the month. I received my deposit. A few hours later received an email from Direct Express stating my request to change my password was granted. I immediately called Direct Express stating I did not authorize this and why did they not try to verify request before granting it. They denied that they did this. My money was illegally transferred and all I could do is file a dispute and Direct Express never accepted responsibility for their lack of security.
I originally filed a complaint on XX/XX/XXXX, Complaint Number XXXX and Ditech did not answer the questions asked nor did they provide the correct documents ( which I will attach in this complaint ). The escrow account is still short over {$3000.00}. I am attaching documents that outline the following : 1. The tax payments were taken from my OLD LOAN in XX/XX/XXXX., XX/XX/XXXX., and XX/XX/XXXX, before the closing ( document that was attached to the surplus check we received ) 2. The 2nd and 4th pages of the closing document ( information was blacked out in the letter received from Ditech regarding this complaint ) where {$3100.00} was put in escrow at closing and then taken out of the new account two weeks later. No one notified us from the mortgage company that our NEW loan started out with XXXX in our account.

3. Attached are 3 XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX there were property taxes paid from the OLD ACCOUNT - Loan # XXXX, in the amount of {$2000.00}, which is the amount that we have been missing in both XX/XX/XXXX and XX/XX/XXXXto have the XXXX XXXX correctly reflecting the taxes paid for that year. If you look at all the documentation there were 3 payments made to the tax assessor in the first quarter of XX/XX/XXXX. One from the old account and 2 from the new one.

4. In the letter from XXXX XXXX, Customer Care Mgr. from Ditech, on the first page she states " The Tax Detail also shows that due to the duplicate payment, you paid {$11000.00} in taxes in XX/XX/XXXX, but due to the credit of {$2000.00}, only {$7200.00} in taxes in XX/XX/XXXX. '' This is incorrect since there is no documentation showing we paid {$11000.00} in taxes in XX/XX/XXXX. See attachments for XX/XX/XXXX where there are two XXXX XXXX. One tax payment from the old loan and one from the new loan.

5. The escrow refund check sent to us was SURPLUS from the OLD ACCOUNT. The amounts are not the same from the old account vs. the new one that was set up. We were told at closing that the closing costs INCLUDED the {$3100.00} that is detailed on the closing document on Page 2 ( Attached ).

6. We have repeatedly asked over and over if the surplus check was supposed to be in the new account and Ditech " made a mistake '' then where exactly did all the money go that we paid at closing and can we have an itemized list of costs that total {$8000.00} ( which includes the {$3100.00} escrow amount ). Also, the amount of the surplus check and the escrow amount originally put in the new account are not the same.

Please have DItech look at this case again and resolve our escrow and tax issues. Thanks!
This continued documentation of a complaint we have filed on case XXXX. We want to submit further proof of the collection practices of this law firm. We have paid the original amount off and now they are attempting to collect interest at 10 % 6 months after the amount filed in court has been paid off. This not only happens to us but also to many people who are already having problems and this type of collection practices further damages consumers and is allowed without representation in the court. This law firm has been saying they are working with us but have only sent letters without a payment amount nor have they in our complaint sent us any documentation. As the documentation will prove they are not telling the truth. They garnishment filed against my wife 's wages on XX/XX/2016 states she owes {$5200.00}. It has been delivered to her place of employment and is actually going forward if they do not accept the XXXX dollar amount she has asked them to accept. She is doing this because the lawyers we have contacted only attempt to get her to file bankruptcy. Your agency stated it helps consumers and right now it does not feel like it. attached is their most recent legal action even though they are telling you all they are working with us. The clerks office in XXXX told us this firm is the worst and that the judges allow it. Also when my wife called them today, they told her here knew amount was over XXXX dollars not the XXXX filed in the court. 

XXXX. XXXX XXXX XXXX.
I checked my credit report and I found couple company 's name claims that I owe them money Ability recovery services XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ I tried to dispute These false claims thrue XXXX and they did not remove it after they did not get an evadance to support these companies claims
central financial put a blemish on my credit report and it is affecting my credit score. The medical bill was paid in full and they are saying it was paid for a lessor amount when it was n't
Bank of america has no legal standing to collect my mortgage payments. There was an assignment of mortgage done years after the merger with bank of america and countrywide and the assignment of mortgage appears to be fraud to me. The assignor portion was left blank and so was the address. And the XXXX employee who signed it were employees of bank of america. Furthermore, countrywide was never assigned to hold mortgage. Bank of America has been collecting my mortgage when they are not the holder or hold the mortgage. I attached the attachment of mortgage and written letter I am sending to Bank of America today.
Navient cashed my check of {$7000.00} on XX/XX/XXXX.  When it didn't credit my account, I called and was told that the payment was sent to the wrong address and that it would take 4-6 weeks to get my refund. 

Refund NOT received by XX/XX/XXXX. Told that refund was sent to department of treasury on XX/XX/XXXX and that processing takes 4-6 week before I receive refund via US mail. I will receive refund by XX/XX/XXXX. **Requested letter that documents this, but the letter has not been received. 

Refund NOT received by XX/XX/XXXX. Told that the check was approved by Dept of Treasury on XX/XX/XXXX. I should wait another week and call back. 

Refund NOT received by XX/XX/XXXX. Told that the check was processed incorrectly and will be another 2 weeks. They will send money electronically to speed up process. **Requested letter to document this, but letter has not been received. 

Refund NOT received by XX/XX/XXXX. Told that my account does not show that the check has been sent. The US Treasury has approved the payment, but we have to wait on them. Told to call back tomorrow. ***Said a " manual '' letter, documenting this problem has been drafted ( but I have not received any letters as of XX/XX/XXXX. )
Real Time Resolutions ( RTR ) engaged in fraudulent activity to misrepresent my financial arrangement with them, which is supposed to be {$5.00} per month, and even going so far as to state, according to their representative, that I signed an agreement to pay them {$120.00} per month. I never signed or agreed in any manner to such a thing. I am submitting the following documents : My XX/XX/18 RTR - Fraud Complaint Statement XXXX XX/XX/XXXX Letter RTR XX/XX/XXXX Letter ( page 1of2,  backside of page 1of2, page 2of2 ) RTR XX/XX/XXXX Letter ( page 1of2, backside of page 1of2, page 2of2 ) RTR XX/XX/XXXX website - online contact page ( email option ) of my nite of correspondence sent to them XXXX Money Order receipt purchased on XX/XX/XXXX and sent to RTR, and processed by RTR on XX/XX/XXXX. ( The XXXX claim confirmation for the processed money order will be forthcoming ).
Sun Trust called me at XXXX for the purpose of collecting on a mortgage debt. It is very disruptive and extremely inconsiderate to be called that early in the morning. Further, this is a new mortgage transfer that gives me 60 days to make the payment and I have another 32 days to make the payment yet I have been repeatedly contacted. I have attached a picture of the phone called received by Sun Trust at XXXX.
I requested validation from Bonneville Collection via certified mail sent on XX/XX/XXXX for two medical collections appearing on my credit report. 

I did not receive validation response from them as the letters were returned to me as undelivered. 

Since I was unable to reach Bonneville I disputed the inaccurate item with the 3 credit bureaus. The inaccurate item deleted only from XXXX and continues to report on XXXX. 

I then sent another written letter via certified mail to the resident agent of their corporation as found in the public records ; he received my letter on XX/XX/XXXX and to date I have not heard back. 

This company is reporting an invalid address to reach them at and the Resident Agent is also not responding back. I have no other option but to request the support of the Consumer Financial Protection Bureau. I 've been attempting to resolve this situation since XXXX, nearly 6 months ago. 

Bonneville verified the debt to the credit bureau XXXX electronically but not to me. Alternatively, XXXX failed to process my dispute. Under both circumstances someone dropped the ball. They removed off one bureau XXXX XXXX but not the other. 

I request your support in the removal of the above inaccurate items that are listing on my XXXX  credit report. The law requires a furnisher of data to provide an accurate address with which a consumer may contact the provider to dispute the validity of reported information. This furnisher has violated my rights to dispute this item and furthermore has continued collection activity without validation ; also violation of the FDCPA. 

They are required to verify the validity of the item within 30 days. If the validity can not be verified they are obligated by law to remove the item. 

I 'm enclosing the two certified tracking for the letters sent to the Resident Agent. Also the envelope of the Returned Validation ; the two certified tracking for the dispute with XXXX. Copies of two letters sent to the Resident Agent. The two dispute letters sent to XXXX. Copies of the two validation letters sent to Bonneville. 11 attachments.
Wrong person, same name XXXX years older than me he doesnt pay dental, medical seton hospital phone bill. Im born XX/XX/XXXX. The person ruining my credit score was born XX/XX/XXXX.We have sname name. I live in XXXX Texas. This guy lives in XXXX Texas and previously XXXX
on XX/XX/17 I wrote letters to all 3 credit bureaus to have them remove fraudulent items reporting against my credit report. I requested specific validation records be sent to me within 30 days which is my right by law as a consumer and all 3 companies failed to reply with any information at all. They completely ignored my request as these items have not been removed.
The dept is my sons, same name, different ssn.different birthdate.I have successfully disputed this dept .it was removed from my credit report.then XXXX resubmitted dept to my credit report.when I contacted them by phone they stated that the way to clear this up is have my dead beat son pay his bills ... So unprofesional, and then I was told sorry they do n't know what to tell me.Then the employee at the credit collection agency, XXXX , XXXX. repeatedly hung up on me.Could not believe the lack of treatment.This is not my dept.