WillisBack/dataset-financial-user-claim huggingface dataset:
Every week for the last two months or so I get a robocall from Harris & Harris Ltd., a debt collection company. The phone number they leave is XXXX XXXX. Since I have no debt and a credit rating above 800, I find this very annoying. I noticed on the internet that other people have been similarly harassed. I would like them to put a stop to this harassment. Please help. 

XXXX XXXX
PHH mortgage is claiming that the home loan to value ( LTV ) mus be 75 % in order to request a drop of private mortgage insurance ( PMI ). According to the consumer protection act of 1998, the PMI can be requested removed at 80 % LTV and must be automatically removed at 78 % LTV. I have never missed a payment, and recently ordered an appraisal which gave me an LTV of 78 %. PHH is refusing to drop the PMI after we followed the proper steps or requesting the drop in writing, having an appraisal, and being current on payments.
After finding a negative report that was inaccurate on my Experian report I filed a dispute with them because the issue was litigated in court, it was found in my favor that the amount was paid and the insurance company had reported false information. They never contacted me to get copies of the legal documents and updated the report to say the issue met the Fair Reporting Act. I also contacted the company in question and provided ( XXXX ) and provided the court documents and they never removed it or reported back to the credit bureaus. I have been denied credit because of this issue
I have reached out to my mortgage company explaining my hardship. I explained then and now, that my mortgage was not affordable. I was paying {$2600.00} monthly on a {$130000.00} loan. At the time I took out the loan it was after hurricane XXXX so I understood then the high interest but I was told that after 6 months I could refinance and get a lower interest rate. Needless to say that was inaccurate and no I did not get it in writing. Please understand the background to my hardship. I have gotten behind on my mortgage I filed bankruptcy, I have had loan modifications and I am still fighting for an affordable solution. I recently received a loan modification, it was significant as oppose to what they previously gave. This time I received a 4.25 % interest rate down from 8.25 %. I had an 8.25 % interest rate for ten years. The lenders refused to lower it, now that XXXX has gotten involved it was reduced. I am pleased about that but no one is addressing the pmi another source of my hardship. Please help! I want to keep my home I have proven that by fighting to reach an affordable solution but this company is trying to force me out and I do not understand why.. My pmi MONTHLY is {$670.00}. My house note is still unresolved. All I 'm asking for is to be given a true chance at owning and maintaining my home. This is my American Dream this is my home but some big bank is making money off of forcing the middle class workers out of their dream. I do not want to raise my children in an apartment complex with XXXX XXXX and XXXX. It is my right to be able to raise my kids in a nice neighborhood, with exemplary schools. It is my right to have a fair chance at home ownership! Why am I being penalized for trying. I am asking once again to please look into and adjust my pmi I can not afford my house note due to it being excessive. Please note that this is my second complaint, I do not understand why the first one was closed because this matter was not resolved.
On XXXX/XXXX/2015 I spoke with XXXX different representatives at Mobiloans , LLC who XXXX confirmed with me that a payment would be authorized for XXXX/XXXX/15. Two days later they charged my account in the amount of {$130.00}! TWICE!! This caused my account to have multiple overdraft fees as I had authorized other bills to be paid. When I called them, they told me they were sorry and that it was a mistake on their end, but unfortunately there was nothing they could do about it. This company has caused me so much unnecessary stress, I would never recommend them to anyone! STAY AWAY FROM MOBILOANS!
For several weeks, I tried calling TARGET 'S number listed on the credit card bill to talk to someone but kept getting disconnected. How is a consumer supposed to communicate with their credit card company if the number is not valid? I got through once, was transferred and spoke to a person named XXXX about not receiving my credit card that i signed up for, and that bills went to my OLD address. I told XXXX that I wanted help with some of the fees as i have not even received my credit card and i accrued a couple of months worth of late fees. XXXX told me her supervisor would call me within 24 hours but she never did. Meanwhile, while i was waiting to hear from Target 's management, I made a payment of {$40.00} ( the total bill was {$100.00} ) to avoid another month 's late fee but the company added another month 's worth of late fees, while I was waiting to hear from the supervisor. I kept trying to call the number on the credit card bill to talk to someone but could n't get through, again. So i decided to write a certified letter addressed to the CEO but never heard from anyone after a month! I found another number for Target after doing a google search, called that number, spoke to an XXXX XXXX, explained the situation, but no help whatsoever. I told XXXX, i want to speak to a manager. He said, " I made a case study for you and a manager will contact you in 24 hours, '' but AGAIN NOONE CONTACTED ME. It 's been around 4 months now, I still have n't received my credit card, accrued 3 month 's worth of late fees and charges, and no manager has contacted me when on XXXX occasions, i was promised that a supervisor would call me. What kind of customer service is this?! In summary my complaint is as follows:1. Lines of communication between Target and consumer is unacceptable. The XXXX XXXX number on their credit card bills DISCONNECT you when you press " XXXX '' to speak to a representative. 
A. On XXXX occasions I was promised that a " supervisor '' would call me within 24 hours to discuss my predicament but never heard from a supervisor, empty promises and lies. 
B. I sent a certified mail to the CEO but never heard from anyone at corporate office. 
2. Never received my credit card in 5 months since i signed up to open the account. 
A. After speaking to XXXX who said i should have the credit card renumbered ( in case it 's stolen ), she transferred me to a different department, but while waiting on hold, I was disconnected, again! 
XXXX. A bill was {$100.00} so i made a {$40.00} payment to avoid other late charges/fees, but they still added another {$35.00} late fee, WHILE I WAS WAITING FOR A PHONE CALL FROM A MANAGER TO DISCUSS MY CASE. 

All in all, I feel NEGLECTED by Target 's management team. I tried to resolve my {$90.00} worth of late charges/fees with the corporation by sending a CERTIFIED MAIL and waiting for a supervisor to call me back but noone from management has tried to contact me. This is unacceptable and I want people to know about their terrible business practices. And i want the {$90.00} worth of fees removed, along with some penalty for the company. I will never shop at Target again.
XXXX XXXX had {$70000.00} of student loans and XXXX XXXX co-signed for them as well. XXXX XXXX nor her father XXXX XXXX could afford the payments and XXXX XXXX XXXX XXXX XXXX sued us thru PATENAUDE & FELIX Law Firm and this took about 1 1/2 years of court hearings which XXXX XXXX handled all of the court motions and documents and hearings as we could not afford an attorney. 
We settled on XXXX XXXX, XXXX ( court doc. 's enclosed ). The letter explains the intentional HARASSMENT and BAD FAITH, Malice, Etymology, etc. of XXXX XXXX, XXXX by XXXX XXXX, and the Law firms letters, this was not the first phone call but when the additional letters and phone calls came XXXX XXXX became very nerves and emotionally upset as she explained to the Law office that they were wrong and she was en-fact making her payments on time for over 18 months, etc., but they started with letters and additional phone calls of harassment. I am know I am not the only one with this type of story about this Law Firm. 
PLEAS STOP this company from doing this over and over again
In XX/XX/XXXX, i signed a lease with sunlake at edgewater apartments. I received a derogatory mark on my XXXX credit report, stating that a collections account has been opened in the amount of {$6000.00} on XX/XX/XXXX. I know for this cant be correct, and i have to address it immediately. I did n't receive any mail indicating this or a verbal phone call. I would like for action to be taken to get this negative mark removed from all my credit reports and or set up arrangement to pay debt off.
My savings account was cleaned out by Bank of America on XX/XX/XXXX. I called bank but they only gave me a telephone number of the prosecuting assistant attorney in XXXX. 
A suit is filed in California., my account is in XXXX XXXX. There is another person on my account who has a debit card but he is the wrong person being sued. All money was mine, they took over 6000 Dollars and said I owe over 49,000 dollars. 
After I received a copy of the Acknowledgement of Service to the persons with same name. Man 's name is the same then the person on my account and married to a XXXX with the same last name ( but its not mine last name ) and have been served notice in XXXX XXXX. 
I neither nor my friend on my bank account are married and don't owe any money. Suit was filed as criminal suit. 
Why did bank not check my birthdate, SS, and that of Mr. ... ... By the way, XXXX XXXX lives in XXXX since birth and at the time of service I was in XXXX. 
No one at the bank will talk to me how they can do this without checking if we are the persons. I never get thru to the person who signed the order, XXXX XXXX in Delaware, BoA. 
We spoke to assistant attorney at XXXX XXXX of California, Mr. XXXX XXXX. That was 2 weeks ago. We answered questions he needed to clear our names. 
He said he would contact BoA and see why they sued us since we have nothing to do with it. 
I was told I need an attorney in California but everyone I contact did not want to take the case and clear our names and file the proper papers. 
I am on SS and afraid they will take money out of my checking acccount which they did for attorney fees and I think my heart will not take this absurd pressure anymore. I am XXXX and by the way my credit score is over 800. 

Please help us. 
Thank you
I was notified in XXXX that the mortgage payment ( {$500.00} ) I paid, XXXX XXXX for the XXXX XXXX due date had not been credited to my loan and was being " held ''. Apparently, my monthly payment was increased ( due a requested review of my escrow ) to account for potential shortage. I did not receive information explaining the increase from {$490.00} to {$590.00} before paying the historical amount. Once notified, I requested to have additional information sent, inquired into whether a credit bureau mark had taken place and requested that the {$500.00} being held be credited to the account as appropriate. I then set up the additional {$100.00} payment to be dispersed ( XXXX/XXXX/2015 ) as well as paying the XXXX XXXX payment due ( {$600.00} ), which I was informed was going to be the new payment moving forward. 
Since completing, I have received XXXX calls, that I now view as harassing in nature, in which Suntrust Mortgage is claiming I owe an additional {$490.00} ( on top of most likely late fees charged in error ). I do not agree with these tactics, as I 've not failed to meet the standards outlined within my contract. I pay my mortgage every month, the required amount and have been more than willing to adjust as needed. 
As of now, should Suntrust Mortgage fail to update and correct their records on file, should I incur any form of negative impact from their inabilities, I will seek legal counsel.
I contacted my bank Fulton Bank to report a fraudulent charge on my credit card. I was told the charge of {$1900.00} from 2014 by TSBO ( timeshares by owner ) would be removed and I would receive a new card because they would have to cancel my old card. It has been a couple of months and I have yet to see my credit. At this point I do not know where to turn I am XXXX yrs of age XXXX and I feel my bank has not helped me at all regarding this fraudulent charge. I have never heard of this company before until it showed up on my bill. I thought that I understood the law enough to feel that I was not liable for fraudulent charges to my account possibly due to identity theft. It seems Fulton Bank either feels otherwise or is not adhering to the law.
When I was XXXX ( XXXX ) I applied for a student loan with my grandmother at the cosigner. After the four years, and having not graduated from college or benefiting from my student loan, I began to make payments on my loan. At first it was n't bad and was very affordable but over the past three years, my monthly rate has more than tripled. No matter what I have done or tried, they wont work with me. I have called nearly every month for a year, asking them every time if they could lower my rate and each time they have basically told me that they ca n't do anything and that it sucks to be me but I am going to have to come up with the nearly {$500.00} a month to pay my student loan. The rate they have me paying is about half of my monthly income. Add that to {$200.00} in rent plus my other monthly bills and basic living needs and I would have been left in the negatives every month. There was no way I could afford to make that payment. Because of this, I have been stressed for the past XXXX years and have XXXX and XXXX to the point where I now have to take medicine to function normally throughout the day and a different medicine to get rid of my anxiety and relax me enough to fall asleep. 
I have now defaulted on my student loan and have been told I could settle for {$35000.00} or I can pay {$9000.00} upfront and then make payments but the amount that I can afford wont even cover the interest on this loan. 
I 've run out of options and I am searching the internet for any sort of help available.
XXXX XXXX called several relatives and friends about a payday loan from 2009 and stated to them and to me that charges of profit by deceit through a financial institution is filed and felony of the third degree warrants are out for me now and to stop the process i need to pay today. i asked for verification of the debt she would not provide it. i said i need to record this conversation and she hung up. 
i called her back and left message that i have the money to pay to call me back. when she called back i informed her i was recording ( which i was n't ) she stated that she ca n't be under recording and hung up. the number i called is XXXX
I applied for the NJ HomeSaver program which is funded through The Hardest Hit Fund. Wells Fargo denied my application stating that my loan investors do not participate with the program. What is important is that I was approved for The HomeKeeper program in 2013, which was also funded through The Hardest Hit Fund. So why did my loans investors participate then but not now. I believe Wells Fargo is incorrectly and unjustly denying my NJ HomeSaver application. I have reached out to them multiple times today and no one can give me a straight answer. I feel helpless and that I have no where to turn for representation.
On XX/XX/XXXX, a XXXX sales representative visited my home which I signed a contract with XXXX for a Bundle ( TV, Internet, Phone ) the bundle price was {$94.00} per month. The salesperson also acknowledged that since I am a XXXX I am eligible for an additional {$10.00} discount. After calling XXXX and their representative walked me through signing up for this XXXX discount XXXX then cancelled out my contract from {$94.00} monthly to {$150.00} monthly. I began receiving monthly bills for {$230.00} to {$400.00}. This is clearly fraud against XXXX. I called XXXX for months trying to correct this problems and was told by their representative that the amount that I am being charged on my bill is what I am going to pay. After not getting any results I then told XXXX to cancel my service because this breech of my contract. They then told me if I cancel my service I will be charged an additional {$200.00} cancellation fees. Now they have sent my information to XXXX different bill collections agencies that are now harassing me for monies.
Got an email from Transunion telling to look at a credit report, they want my credit card for verification, a few days later s=charged my banl {$17.00} without any notice or authorization. I closed it immediately but still am being charged. Why is this not illegal? I saw no checked box authorizing this and I check all the time. 

This is an awful company preying on people with credit problems and poor people. Charged XXXX no less.
TD Bank has taken me to court and charged me for the lawyers fees. I am being harassed because my home has been listed on XXXX as a foreclosure. I have been trying to work with TD Bank since my injury in 2009. They are completely uncooperative and do not have any interest in working with me. There sole intent is to foreclose on my house. There is no communication unless it is initiated by me. I have been making payments but they wo n't send me statements or even a break down of fees.. I have been asking to refinance but they wo n't even discuss the option or any other option. I am tired of getting phone calls from realtors and others that have seen our house listed.
XXXX XXXX  is listing two separate accounts as in a Charge-Off status. Both accounts have been paid in full. They did not correct their errors when I had requested them to do so.
I have been a XXXX XXXX Credit Card customer for years and have paid my bill each month with NO late payments. 

About four months ago, I had a minor problem with a charge on my bill - the charge was less than {$20.00}. However, due to the fact that ALL of XXXX XXXX consumer affairs calls are out-sourced to NON-SPEAKING English countries, an customer care person in XXXX made a mistake and cancelled my credit card. 

Each time I have been told that a replacement was sent, another XXXX XXXX overseas representative informs me that the last one lied and NO card was sent. 

Since, I have NO help nor success in getting my credit card replaced. Each time I have called, ALL of the customer care XXXX XXXX credit card representatives have been EXTREMELY unprofessional, spoken EXTREMELY nasty to me over the phone, and NONE could understand nor speak proper English due to the out-sourcing that XXXX XXXX do. 

Consequently, the XXXX XXXX customer care service is - AT BEST - LOUSY! Unfortunately, there are NO English speaking American customer service represtentatives available for XXXX XXXX customers to speak to! 

Currently, due to the slip-shoddy service I have received from XXXX XXXX in the past four months, I do not have a credit card! 

What can you and your staff to do resolve this problem? PLEASE do not out-source this problem to another over-seas NON-English speaking individual. 

ALL OF THE XXXX XXXX CUSTOMER SERVICE REPRESENTATIVES, SO FAR, HAVE BEEN EXTREMELY NASTY and UNPROFESSIONAL.
A while ago, I contact the credit reporting agencies about XXXX XXXX inaccurate account balance and my concerns were ignored. 

I informed the credit reporting agencies that XXXX  account balance is {$0.00} and not over {$27000.00} that was reported at the time of dispute. I requested for the account to reflect such or be deleted from my credit report. 

To date, the account has been closed and the balance was updated to {$21000.00} and not {$0.00}. 

Per the FCRA, credit reporting agencies suppose to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history and they failed at doing so. 

Attach you will find a close up of my Equifax credit report, which I found in my cell phone photos of XXXX XXXX balance amount {$0.00}. 

XXXX XXXX XXXX XX/XX/1970
I AM A VICTIM OF IDENTITY THEFT. There were accounts open in my name. I notified the company in writing by sending them notarized identity theft forms and statements, and a multitude of correspondence, yet the fraudulent accounts still remain on my credit report in violation of Federal Law. They stated in both the first investigation as well as the re-investigation that they verified that those accounts and that they were being reported correctly, which was COMPLETELY UNTRUE!! I then, demanded that this company not only tell me who verified these accounts as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), I demanded to know the method of verification as required under Section 611 ( a ) ( 7 ). I also requested that this company send me a copy of the original creditors documentation, or ANY original documentation ( a consumer contract with my signature on it ) as they are required under FCRA to keep a copy in their files to verify that this information is mine and correct. THEY DID NOT DO ANY OF THE ABOVE. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Pursuant to section 605B they are required to BLOCK the fraudulent information on my credit report resulting from identity theft within 4 business days and notify the furnisher of that information, in which they HAVE NOT DONE! THE LAW IS VERY CLEAR AND THEY FAIL TO COMPLY WITH FEDERAL LAW. I have made MULTIPLE attempts to have them delete these fraudulent accounts that were the result of identity theft, off of my credit report, yet the accounts still remain, and this company continues to violate my rights under FCRA.
My wife received a phone call from the number I have linked to XXXX XXXX XXXX. They asked if they had reached me. My wife said no. 

He continued by stating that " this phone call is being recorded and was an attempt to collect a debt for Best Buy. '' I know this is regarding my credit card debt with the store 's credit card, but it 's my business and legally not anyone else 's. 

According to the Consumer Financial Protection Bureau and the Federal Trade Commission, this is a clear violation of my rights and I want their case dropped because they should not share any of my personal information with other people.
Check Into Cash in XXXX California has breached their contract with me. In regards to the contract for an Installation Loan I took out with them, I agreed to pay {$170.00} bi-weekly on my pay day. Check into Cash withdrew {$170.00} on XXXX XXXX 2017 which was authorized. The following week, XXXX XXXX, they withdrew another # XXXX which was not authorized because I do n't get paid on the XXXX week in the month. the manager name XXXX has my file that includes my pay stub and my pay day weeks. After several phone call, on Wednesday, XXXX XXXX the Manager told me she would " look '' into it and that it was " sitting on her desk ''. She agreed to get back to me. I never received that phone call so I continued to call her in regards to this issue. She agreed that the withdrawal was a mistake and was n't sure how it happened and will call back. When I did n't get a call back, I waited until the following day to contact them but she was NOT in the office. I spoke to someone who claimed to be the Assistant Manager but would not give me her name. I 've spoken to her twice and she has been very rude and avoiding the issue. I 'm still waiting on my phone call back from her to give me resolve on this matter. My fear is that Check Into Cash - XXXX California will try to take another {$170.00} from my bank account on Wednesday, XXXX XXXX ( which is my pay day ) However, this would be unfair as a consumer as they have already billed me twice. I do n't have a bank statement yet as it is too early and wo n't get one until next week. I am willing to provide it later in the process. I filed a complaint with my credit union - XXXX XXXX XXXX, the BBB. This company is taking advantage of hard working people trying to survive. Please, I ask that you help me in resolving this matter. I can be contacted via email and phone number. Thanks XXXX XXXX XXXXXXXXXXXX XXXX