WillisBack/dataset-financial-user-claim huggingface dataset:
This is what I wrote on " XXXX '' onXX/XX/XXXX : What a SCAM! You never speak to anyone who speaks CLEAR ENGLISH ( and this is just for " starters '' )! 

TWICE this week I applied ; only to find out that BOTH applications were " declined, closed or withdrawn ''. WHY?! I only applied for {$300.00} for XXXX XXXX XXXX! We really needed this money, too! Oh, well! This must be a sign from Above. 

Just this morning, I was asked to call AGAIN to verify MORE information. This time, it was my BANKING information. We had to make a three-way call to our financial institution. I thought, " Ok. They're just verifying the account numbers and such. '' WRONG! The XXXX woman had the gall ; WITH a credit union representative at the other end, to ask for our CURRENT BALANCE! Excuse me?! That is NO ONE 'S business ... PERIOD! 

I don't care how badly we needed this money. It's blatantly obvious that " XXXX XXXX '' does NOT have the best interest of its customers/potential customers in mind. 

Moving along ... 

Reason of review : Poor customer service.

Monetary Loss : {$300.00}.

Preferred solution : Let the company propose a solution.

I didn't like : Shady practices, Csrs that do not listen and XXXX people around by being repetitive, Non-english speaking csrs, Csr gross incompetence, Csr questioning current available balance in checking. 

After WRITING THEM DIRECTLY about NEVER communicating with me EVER again, I got another OFFER LETTER IN THE MAIL TODAY (XX/XX/XXXX). The offer letter is datedXX/XX/XXXX, the same date as the first letter.
On XXXX/XXXX/2016, I applied online for a checking account with HSBC and to date, as of XXXX/XXXX/2016 I have never received any confirmation of my account. An attempt to contact them via telephone proved futile as well. At the time of account opening I authorized a deduction from another personal checking account in order to open the account so these funds are now tied up. I passed all of their security questions and their web page indicated that I would receive a final " review '' within 72 hours, ( see below ). I believe that due to the fact that I listed income received from Social Security that they are delaying opening my account and hoping I forget about it especially given the fact that they offered an incentive to open the account and apparently are screening applicants by questioning if they will receive Social Security payments in their accounts as the question was posed multiple times. 
" Please note that online applications may take up to 72 hours to be reviewed. To ensure an optimal experience, please complete the application in full with accurate information. ''
I made my credit card payment on a Saturday XXXX the day it was due. I was assessed a late fee for the payment. I contacted the credit card company-target, they said the payment was due by XXXX central time. I made the payment at XXXX ( my time which is mountain time ). My understanding is that payments made on weekends, holidays etc are not 'late ' according to the new credit card protection laws. 
Last month my payment did not go through electronically, although I had a confirmation number-target issued a refund for that late fee due to the electronic mixup but that set me up for not having my late fee waived again for customer service issues. 
Target then suggested I could have made the payment via phone, if a phone payment is not late then an electronic payment should not be late either. My bank is still closed on weekends.
My Private Wells Fargo loan is literally theft. I have been unable to have a balance budget with a {$250.00} monthly payment along with all my other debts, bills, and living expenses. My city 's living expenses are going up, making it difficult on a bi-weekly basis to have money to eat. Also, making difficult to save money to pursue my passion of music, as it was reason for me to pursue a college degree and required this loan. Spoke with the Loans Consolidation department and the Loan Modification department to lower my payments, to only discover that I can not, because " I have enough income to pay their monthly cost ''. This is due to the fact that they do n't consider a few of my other debts as a recognizable problem ( e.g. XXXX XXXX loans ). I am in need to remove my co-signer, lower monthly payments and interest rates, so I may have more money for living expenses and money to support my music career. This way, I have the means to create a secondary income to further make it possible to take care of debts. This private loan is theft and the standards are too high, in order require to consolidate/refinance or lower monthly payments.
This debt collection account does not belong to me. I have no knowledge of how this could have occurred. I have never been in contact nor conducted business with the debtor. The original debtor appears to be XXXX cable in which I have never had services with them.
filed a dispute with XXXX  with one company called XXXX 's that was supposed to be in a listed in chapter XXXX case with it being discharge date XX/XX/XXXX and I noticed that it was reopen up till past that year like it was in use XX/XX/XXXX-XX/XX/XXXX. XXXX  did and investigation for quite some time then about received a letter and on line through my email XXXX that removed the 3 XXXX 's that were on bankruptcy were totally deleted from my credit report but today I notice today XX/XX/XXXX I went and checked in the inquiries and that it is still listed on my credit report, so I was falsely was mislead saying it was completely off my credit report completely. I want to do what ever you can do to do to make this up to me. Heres a copy of that inquiry XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
I have been harassed by Midland Funding, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ), on and off for several years. On XXXX XXXX, 2012 I sent them a letter asking for validation of a debt they claim I owe. They never responded to me, but instead put the debt on my credit report as their own debt, with a falsified Open Date. 

I then sent them a letter demanding either proof of debt or removal from credit report. They ended up removing it. Now, XXXX years later I see it once again on my credit report. I am done talking to them, I now wish to file a public complaint and if they do not remove this from my credit files within XXXX days of today, I will file a lawsuit against Midland for several violations of the FDCPA over the last XXXX years. 

I have never had an account with Midland Funding, and do not appreciate them popping up on my credit files every few years.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX unauthorized and should be removed immediately.
I received a letter from the Debt Relief Center stating it was an important second notice to help alleviate my credit card balance of {$29000.00} for a pay off amount of {$14000.00}. The letter is very deceiving in that it makes it look like I have {$29000.00} in credit card debt. There is no way this company would know how much debt I truly owe, I have strict credit monitors in place through the one credit card company I use and my current balance to them is less  than {$250.00}. I have no other open credit cards and have not been notified by my credit card company that any new inquiries have been done on my credit report. I can supply a copy of this letter to you and fear that someone not educated about their credit like I am will be taken advantage of
Contacted Transunion XX/XX/17 about inquirys being removed and also change suffix to XXXX. 
inquiries desired to be deleted, customer service ( Transunion employee XXXX XXXX would not help and take care of the negative inquiries reporting to my credit report
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX  - partial account numbers XXXX ; XXXX ; XXXX ; XXXX.. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is  impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
I am a XXXX working in a XXXX for eight consecutive years. I have applied for XXXX loan forgiveness meeting all the requirements. My application was excepted last XXXX and I was told I would have an answer with in 90 days. I still have no answer going on 11 months. I have talked to ACS the loan service multiple times and they give me a response of " it is still being reviewed '' each time. I ask by who and they can not give me a answer. I am told I will be given a expedited application status and call back and for 11 months now I hear nothing and have to keep calling them back.
On the morning of XXXX XXXX, XXXX at XXXX EST I missed a phone call from the number XXXX. At XXXX EST, I returned the call. XXXX answered and did not mention what company he is with. And continued to withhold the company information so that I could understand who was calling. He then stated that I owed a debt from XXXX and the amount owed of roughly {$250.00} from XXXX XXXX. I then stated that I currently did not have the funds but I am however looking to pay off my debts as soon as I get money to do so. He then said " XXXX XXXX is looking to get this handled within the next 2 hours or law enforcement will be sent to arrest you this afternoon ''. I told him that there was nothing that I can do right now. He then stated, " Well if you cant pay it now, I will go ahead and send over your information to have you arrested. Goodbye ''. 
I called XXXX back at XXXX EST. He answered and I said " May i speak to XXXX ''. His response was " Who is this? '' I stated my name. He then said " XXXX XXXX, I dont know why you are calling me back. You said you cant take care of the debt. Please do not call me back if you are not looking to pay. I wish you the best of luck, '' As he is laughing on the phone. I called back once more to simply get the company information so that I can have it for future reference. Another man answered the phone and gave it to me as he also stated that the debt owed was {$130.00}. A completely different number from what XXXX said. I explained to him that I could not pay it and that I would like to speak to XXXX because I feel that he was very rude and unprofessional. He transferred me to XXXX. He answered and stated " Stop calling if your not going to pay. '' Then hung up. 

XXXX violated my rights under the Fair Debt Collection Practices Act numerous times by stating false debt amount owed and also threatening to gave me arrested within the day of XXXX XXXX, XXXX. 

Under the FDCPA, it 's against the law for a debt collector to ( among other things ) : use threats of violence or harm use profane language tell you that you 're subject to arrest or imprisonment if you do n't pay your debt
After Equifax compromised 143 million American 's personal information and made them extremely vulnerable to identity theft, and then making the security monitoring offer available only by going onto a 3rd party website to again enter your social security number into cyberspace, making you at risk a second time ... .now they have sent a letter ( dated XX/XX/XXXX ) stating that the consumer can turn on, turn off temporarily, turn back on temporarily or turn off permanently, the security freeze in order to be able to get a loan for a car, home, new credit card, etc but they have to pay Equifax {$10.00} for the privilege!! Are you kidding me?? Even if each consumer does it twice, {$20.00} x 143 million is {>= $1,000,000}!!!  It makes one wonder if they conspired with the hackers to get this done to increase their cash flow!! What the XXXX is the government doing to help people with this???? This is my second complaint. The first one just directed me back to Equifax for more abuse. Then I contacted the Ombudsman who has ignored me for 2 weeks now. I thought this Bureau was suppose dot help consumers, not be complicit w/ organized crime! PLEASE HAVE THE OMBUDSMAN CALL ME! I WILLBE CONTACTING MY SENATOR IN THE MEANTIME!!
Hi, I used to have a joint account with XXXX XXXX and didn't get to use it much but after moving to a new apartment, I noticed that the account has been closed due to negative balance. I do lot recall using that scout for anything, so I called the customer service abs went over the detail. She told me that the fund in the account was low but still positive, but the scheduled maintenance fee kicked in and after that, the account went negative and triggered fee daily for a month or so.
I am set up on Automatic Loan payments to be drafted each month from my checking account. My due date is the XXXX of every month. After asking why they charged a fee to make on-time payments on-line, I was told I could make the pmts for free if I sign up for XXXX online & can choose the option to have the funds deducted exactly 16 days after my due date, which is my grace period for no late charges. I chose this option because it best coincided with my pay dates. However, on XX/XX/XXXX and again on XX/XX/XXXX, the monthly pmt was taken early. In XXXX, it was deducted on the XXXX when it should have come out on the XXXX ( 16 days after my XXXX due date ). In XXXX, it should have been drafted on XX/XX/XXXX yet it came out on XX/XX/XXXX. After this happened the XXXX time in XXXX, I faxed over proof the funds were taken along with a faxed request for resolution and nobody called me back to explain why this occurred. On both occasions, I was left on hold several times, transferred to different depts., including their " Cashier dept. ", yet nobody could explain why it happened. After the XXXX time it happened in XXXX, the team member I spoke with ( XXXX ) at first tried to tell me this occurred because XXXX is a XXXX month, which seemed irrelevant & should not affect the XXXX calendar days from your due date. I was finally transferred to Supervisor XXXX XXXX ( ext XXXX ) on XX/XX/XXXX who opened a research request and promised to call me back. I rec 'd a vml from XXXX the following Monday XX/XX/XXXX, however, I could not get thru to her directly & was stuck explaining the situation AGAIN to someone else on the XXXX who also said they 'd research & get back to me. As of Wed XX/XX/XXXX, I still have not heard back.
Write a letter to Equifax back in XX/XX/XXXX and never received any correspondence, sent a fax on XX/XX/XXXX and never received any correspondence. Sent another fax on XX/XX/XXXX and never received any correspondence. They failed to notify me in writing within the 30-45 day  timeframe and never once opened an investigation.
I have a mortgage complaint with Freedom Mortgage Co. which extent from 2014 to the present. I have spoken to a repersenitive on several occasions which have led me nowhere. I am really trying to resolve this with out getting legal help, which I can not afford. This is my problem, I have paid more on the principal than is not required and it never shows up on the following payment. In some cases a statement was typed in the Account Information section stating that " This is the Principal Balance only, not the amount required to pay the loan in full. '' When asked, What happen to the overage amount? I was told that their records did n't show an overage amount. I went to my E-Statement on lined, that showed that I had paid thousands to my principal that was not showing up on my account since 2014.
To whom it may concern, I have contacted the following to remove inaccurate information from my credit report. On the first XXXX the debt was paid in full to XXXX XXXX XXXX, these are duplicate accounts and should be removed no monies is owed on this account. 
XXXX XXXX XXXX {$220.00} NEEDS TO BE REMOVED ACCOUNT IS PAID XXXX {$220.00}. NEEDS TO BE REMOVED ACCOUNT IS PAID The second issue is the XXXX account that on my credit report. The account is over 10 years old and has been sold, resold removed and put back onto my report. These are third party collectors that are reporting inaccurate occurrences on my credit report. Such as past 30 days past 60 days ect. XXXX XXXX accounts are the same. 
The " {$780.00} '' was removed from my report and popped back on. This account is over XXXX old. I do n't understand how THIRD PART COLLECTION Agencies are taking on the roll as a creditor. The XXXX one is XXXX XXXX XXXX it 's the same account $ XXXX+ their fees= {$2000.00} XXXX {$780.00} REMOVE FROM CREDIT OLDER THAN TEN YEARS XXXX XXXX XXXX {$2000.00} ROMOVE FROM CREDIT OLDER THAN TEN YEARS THANK YOU FOR YOUR HELP IN THIS MATTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Settlement and modification was negotiated between Plaintiff/Defendant on foreclosure in XXXX 2011. Recorded documents by Plaintiff reflect fraud in that HAMP Modification Header was fraudulently attached. This was not a HAMP - no application was completed by homeowners. Further undendorsed copy of note was attached to modification. ENDORSED NOTE was filed the day after summary judgment hearing in which summary judgment was granted. Endorsed note was not filed prior to hearing and not available for homeowner to inspect prior to summary judgment hearing. 
# XXXX ISSUEModification amounts were provided by OCWEN to Plaintiff. Homeowner made payments as promised until Ocwen refused to accept payments as escrow shortage existed. One payment is still in suspense. Repeated efforts by homeowner to Ocwen were met with misinformation. 
Homeowner was again forced to obtain counsel to solve issue. 
Ocwen has publicly stated repeatedly that they do no require confidentiality statements from homeowners, yet we signed one and are still barred so I can not attach copy even though they recorded. Ocwen did not show good faith in that they made representation to my counsel that modification/settlement would not be recorded - yet they recorded fraudulent documents. This situation remains unresolved, despite homeowners best efforts through counsel to resolve
We secured an assumed loan in XXXX XXXX through Greentree Lending Services and have made payments ever since. The loan was to be fully amortized through XXXX XXXX. Greentree has since been absorbed by Ditech Financial. Ditech claims the loan matured in XXXX of XXXX and they have been calling on the phone at least weekly saying we are past due and need to submit the balance. We have continued make the monthly payment and have only 7 payments left. We have submitted the original paperwork to Ditech, but they have failed to respond. Just more calls every few days. Some have said just continue to make payments, others demanded the loan in full. I have asked over and over again to have someone call about the note, but no one has, only their collections department. We feel they are abusing us and that they are about to turn derogatory information into the credit bureau. We need to get this fixed.
I originally opened a credit card with XXXX XXXX in XXXX. The account was charged of in XXXX. On my recent credit report I see that the account was transferred to a collection agency that shows my account opened in XXXX XXXX. The dates are not accurate and the collection agency has re-aged this account according to the original creditor 's date of first delinquency.
As per a " scam '' to gain money, they had a promotion ( oddly enough they changed the name of the promotion quickly to something else ) to gather direct deposit of at least {$1000.00}, plus {$25.00} fee to open the account, which I did in the timeframe per details ( less than 3 months ). I even made sure with the banker in person several times in the promotion time ( XX/XX/XXXX to XX/XX/XXXX ) that I should be getting funds and that all conditions were met. I was supposed to get an additional {$200.00} as per promotion for that. I never got any money added to my account, no interest, nothing. I was SCAMMED! I want this US Bank closed immediately and fined for stealing money!
equifaxis changing status of of accounts on my credit file from included in chapter XXXX bankruptcy declared XX/XX/XXXX and discharged on XX/XX/XXXX to open accounts with late outstanding debts, they reported accounts correctly thru XX/XX/XXXX and on XX/XX/XXXX they changed to open accounts, my first complaint of honda finance, the company reported to you and me, that they are reporting correctly as discharged in bankruptcy and they again will notify equifax to report correctly, this has to be an internal problem in equifax to change status and in addittion the other XXXX credit report companies are reporting correctly, the accounts now reporting incorrectly in addition to XXXX are : XXXX XXXX XXXX, XXXX cc XXXX XXXX XXXX, XXXX cc XXXX, XXXX XXXX
I called in to Ally Automotive 's automated call center on XX/XX/XXXX to make the final payoff on my XXXX XXXX XXXX. I was quoted a payout amount of {$1000.00} through the automated phone system and directed to XXXX XXXX to make my final payment. I did so the same day. When I called on XX/XX/XXXX to inquire about getting my payoff letter and title, the same automated system quoted an amount around {$150.00} to complete my payoff. I asked to speak with a representative, and then a manager. I got a polite but incomprehensible explanation of why the amount quoted by the automated system was not truly the total payout due to complete my contract. 

I made final payment on XX/XX/XXXX and recorded the conversation with the Ally representative in which he gave me the amount due to close my account and assured me that no further payments would be due. 

I believe that Ally 's automated system is misleading, and that they are being deliberately opaque in order to bilk customers for additional payments at the end of their loans.
I called Avant to request a lower my 29.94 APR but the rep said the only way I can receive a lower APR is if I would agree to borrow an additional {$1000.00}. I feel as though I am being ambushed without any way to get from under this loan quicker. I am a veteran and live on a limited income. I need help getting my APR lowered so I can pay this loan off sooner because they are gouging me with all their fees. I have an amazing payment history which has been on time and I don't know why they can't lower my APR. I feel as though the fees should hlf the amount they are charging. 

See below : FEDERAL TRUTH IN LENDING ACT ( " TILA '' ) DISCLOSURES ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
29.94 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$2800.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$5300.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 
{$8100.00} Payment Schedule : You must make 35 monthly payments of {$220.00}, with the first payment due on Friday, XX/XX/XXXX, and each subsequent payment due on the same day of each month thereafter, and a final payment of {$220.00} plus any unpaid fees, charges, and interest due on Friday, XX/XX/XXXX. 

Security : Your Payment Authorization as set forth in Section 3 ( b ) of  this Note secures repayment. 

Late Fee : If a payment is not paid in full within 10 days after its due date, you will be charged {$25.00}. 

Prepayment : If you pay off early, either in full or partially, you will not have to pay a penalty and you will not be entitled to a refund of part of the finance charge.
I Requested this company in Writing to Validate this Debt. I asked them to Send me a copy of the CAR NOTE with my Signature and they Refused to. I have no Recollection of this account # XXXX XXXX XXXX XXXX and want It Removed from all XXXX Major Credit Reporting Agencies ASAP.
Bay Area Credit continues to call my place of employment even through I have asked them not to contact me at work.
This company is located in XXXX, XXXX. They keep calling me from a number XXXX, which is an XXXX, XXXX area code, and where they do NOT have an office. I have dealings in XXXX, so I answer it. This is very deceptive.