WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I made a bulk appliance purchase from Lowe 's and used there Fixed Payment -- 60 month option. My first minimum payment of {$150.00} was due on XX/XX/XXXX and I made a {$200.00} payment prior to the due date. Every month since then, I have made a {$200.00} payment without fail and my minimum due has always been {$150.00}. XX/XX/XXXX, I accidentally made my payment 1 or 2 day too early and they are now charging me late fees and penalizing me saying that I missed a payment. I never missed a payment. I have record of a {$200.00} payment every month. My only mistake was paying one month a day or 2 too early. I spent an hour on the phone with 4 different transfers, asked for a supervisor, got a manager for maybe 5 minutes and transferred again. They all kept saying I missed a payment and that I owed {$300.00} to make it right. So, I am being penalized and my credit is going to be affected because I made my one payment too early ... not late. They finally said they would lower the payment to {$190.00}. When I asked why it was more than the {$150.00} minimum due, she said because of the late fee. I just can't understand why they couldn't go back, see my entire payment history like I can, realize I never missed and make the needed correction to fix this problem.
The 3rd party billing provider on my student loan offers one method of payment to avoid fees/ penalties/ convenience charges- and that is a direct checking account debit. Over the last 2.5years I have tried several times to set-up direct payments but each time there is an " error '' with my information and the payment declines. This has led to negative information reported on my credit record, XXXX dollars in added fees and interest charges, and hours of frustrating phone conversations. I have recently discovered that the problem is the company 's online payment system. The system has only been using XXXX digit entries for routing number and account number. Unfortunately, my checking account number is eleven digits long. The system has only been using the first XXXX digits of my XXXX digit account number that is entered- which in turn has caused the error- resulting in the above mentioned grievances. The company has made no attempt to rectify the situation. I can only wonder how many others have been unfairly charged fees, penalties, added interest, and have had negative credit information reported, all because of a system issue on their end.
On XX/XX/18 I received a text alert from XXXX  XXXX XXXX regarding suspicious debit activity in Florida. I contacted XXXX XXXX XXXX and told them it was not me and put my account on hold. I later discovered that the unknown suspect had used a fake California license and my social security number to request a temporary debit card. I did not give anyone permission to use my information nor withdraw funds from my checking account. A new debit card that I never requested was mailed to my address in XXXX XXXX, CA a few days later. Additionally, I found out that another debit card linked to my account was over-nighted to someone named XXXX in XXXX, FL. I never received an authentication code nor an e-mail from XXXX XXXX XXXX. The unknown suspect withdrew a total of {$6000.00} from two branches of XXXX XXXX XXXX located in Florida. The unknown suspect also used the temporary debit card at XXXX and XXXX in Florida and applied for credit cards with XXXX XXXX and XXXX XXXX XXXX. I was at work in XXXX XXXX, CA when the events herein occurred and have never been to any of the locations where the transactions took place.
I put a {$1000.00} down payment on a auto-cycle ( XXXX wheel scooter that is enclosed ) using a Chase card on XXXX XXXX, XXXX. At the time of the transaction the ship date for the product ( it had not been produced yet ) was fourth quarter XXXX. I contacted chase bank to initiate a dispute on the good not received, and they informed me they would be unable to due so due to over 500 days passing from the date of transaction. I informed them that the product was not expected until 4th quarter XXXX, so the clock for when to dispute should not have begun sooner than when the product was expected to be delivered. Chase is refusing to open a dispute, and has agreed that I have " no protections '' for this purchase from Chase.
Constant phone harassment, late/and or dozens of calls in same day. Constant machine dialing our number and hanging up when answered, sometimes within XXXX seconds of another. Most often these calls happen every XXXX minutes and with my husband being XXXX and I have been ill for about XXXX months it gets hard to get up and answer. This has affected calls from others due to not having the call thru feature they get busy signals. They Ignore requests to stop calling. ABUSIVE conduct for an ILLEGAL OUTDATED DEBT from approx XXXX. Calls placed to another phone that is charged per call and still refuse requests to stop abusive communications. The company calls from a phone number until I find out what is is and block the number, The company then calls from a new phone number until I block that XXXX, this goes on and I now am estimating the I have XXXX or more different phone numbers for the company.
I received a letter stating my wages would be Garnished for Credit Adjusments Inc. I tried to contact them by phone in XX/XX/XXXX. Twice leaving messages asking to enter into a voluntary repayment plan. I never received return call and now they ARE garnishing my wages. I finally reached them and was told the only way to lift the wage garnishment was to pay off the entire amount of {$28000.00} and that even if I did enter into a repayment plan it would be in ADDITION to my wage garnishment. 

I would love to set up a long term repayment plan but they will not work with me.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Short sale was started on XX/XX/17 and several faxes have been sent to XXXX since then. On XX/XX/17 I spoke to XXXX. The rep stated the homeowner had just recently directed XXXX to NOT contact myself or XXXX XXXX XXXX for anything whatsoever, regardless of the signed Authorization Letters they have on file. XXXX is refusing to contact us when documents are needed, and when appointments need to be made. After speaking with the homeowner it became obvious that this was an outright LIE. The homeowner had, in fact, NOT discussed ANY kind of authorization over the phone with XXXX AT ALL, and certainly not in recent months. 


Today, XX/XX/17, we were told the homeowner needed to call in to XXXX at XXXX to correct this error in XXXX system. The homeowner called in to XXXX and requested XXXX to make XXXX XXXX XXXX as the primary contact for all loss mitigation communication. The rep laughed at the homeowner, told her they didnt care that XXXX directed this phone call to be initiated by the homeowner, nor that XXXX already had multiple authorizations on file for XXXX XXXX XXXX, and outright refused to make the requested changes to her account via phone. 


Since when does a homeowner not have the right to direct their lender in how they communicate with authorized third parties authorizations that they, the homeowners themselves, signed? 


This short sale has been opened less than 30 days and XXXX has already committed several illegal acts : ( 1 ) violating servicing guidelines, ( 2 ) deliberately lying to their clients and their authorized third parties, ( 3 ) committing elder abuse against their own client. 


Is the reason they do n't want anyone to speak on this loan is because they have discovered that the seller was taken advantage of and never had the income to afford this home from the time she bought it? What is XXXX trying to cover up? Do they believe they can bully an elderly woman? The debt collection division apparently does as they call her multiple times a day making XXXX threats. 


I fully expect XXXX to issue their standard Sorry but you are lying response. That is the response we receive on every CFPB complaint we file against XXXX. Well, I have read many other CFPB complaints against XXXX and they all have a common theme FRAUD AND ABUSE. I am sure those complainants also receive the Sorry but you are lying response. That seems to be their standard form letter in response to CFPB Complaints. How could it be possible that all of these unrelated people from all over the country would be lying?? The fraud committed by XXXX does not just happen once in a while. It happens on a very large percentage of short sales across the country. We have witnessed this on a daily basis for the last 10 years. When is the CFPB going to step in and do something about the fraud going on at XXXX? When is the CFPB going to hold XXXX accountable? IF I DID WHAT THEY ARE DOING I WOULD BE IN JAIL FOR A LONG LONG TIME!
I received a call at XXXX XXXX  on XX/XX/2018. I asked who was calling and what it was about and the girl only told me her name, which is XXXX. I asked several times what her call was in reference to and all she said was that it was an important business matter. I hung up and researched the number which is to NCB Management Service which is a Collection Agency. I was not told during the call that it was an attempt to collect a debt, only that it was an important business matter. These people have been calling me 4 to 6 times a day. I am XXXX, have XXXX due to a XXXX XXXX problem and a XXXX XXXX. First they will call my home number and then my cell phone number during the day every day.
The mortgage company is charging me for home insurance that I already have. I have proven several times that I have insurance and have paid only my monthly mortgage payment. They are charging late fees, have ruined my credit and now threaten to foreclose. This has been going on for several months. I met with a lawyer who reviewed my information and has agreed that the company is giving me the runaround. They call me daily to collect monies that I have proven that I do not owe. I have complained verbally and by written letter sent certified mail. They will not call me about this and refuse to meet with me face to face to explain why this is happening. They lawyer will charge me {$2000.00} to sue and claims that it will cost {$4000.00} before it 's over. Can you please help me? I can not believe that this is something that they can get away with. At this point I plan to take monies from my hard earned XXXX to pay off the loan but I can not do this until they agree the remove the fees and restore my credit. I can prove my case with paperwork and recorded phone calls. The company is Seterus , Inc .
I have contacted Experian on numerous accounts asking for verification on items that they are showing on my credit file. Repeatedly, they send back the same generic XXXX  response with no validation of my findings.The FCRA requires all CRAs to VERIFY all information received from the creditors BEFORE adding them to your credit file but since it will be time-consuming and costly, they are taking the shortcut by doing everything electronically which is not how the FCRA says it should be done. To help you know exactly where in the Fair Credit Reporting Act it says the Credit Reporting Agencies must provide copies of your signed documents that verifies the accuracy of your accounts in their files, CRAs are supposed to be in 100 % compliance with the law. I just received a new report from Experian showing the same erroneous items brought to their attention before. I have attached it as a document for verification. They need to be fined and quit being XXXX by helping their inner circle. It 's the law to be fair and just.
The whole year of 2017 i had sent letters after letters to Experian and XXXX complaining to them that my files are crossed filed with my fathers, hes a Sr and I am a Jr.The item is a Repossession of acc # XXXX  that's reporting on my file and their response is that its been verified as mine. I've written numerous of letters stating that i need verification of the contract that was signed by me as the consumer with my social security number on the contract, but they have not produced no contract at this time. I am fed up and about to go file with my claim if this does not get resolved soon. I have already sued them before for what they have done to my reputation and about to do it again if this item does not come off my report with out verification. This has happen to me before with our files getting mixed up.I need them to provide me the burden of proof that i was the buyer of the vehicle when purchased with my signature and social security number on the contract.
on XX/XX/2018 i received a credit report from XXXX XXXX XXXX that list debt i dint have knowledge of. So on XX/XX/18 i sent a dispute letter by certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/18 i sent a follow up letter requesting debit validation to the address above i still have not received a response. on XX/XX/2018 i sent a dispute letter to XXXX asking for validation of debit, in XX/XX/2018 XXXX   responded validating the debit. i am not sure how this was correct because this debit IS NOT MINE.i have never done business or had service with this company before. this company is in violation of the FDCPA act and my consumer rights.
XXXX XXXX  ( XXXX Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XXXX XXXX  responded with a document showing that they NEVER received payment from me sinceXX/XX/XXXX ( please see attached document showing them saying I never paid ).

I have made payments to XXXX in XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX ( Please see attached documentation as proof ).

Furthermore, the noted on my credit reports that the account was closed in XX/XX/XXXX, when the account was closed inXX/XX/XXXX.
Experian has fail to provide me with on time dispute results. I have not receive nothing since XXXX/XXXX/2016.
I borrowed XXXX form XXXX XXXX that is now Navient with the help of a co-signer in 2004. I have been paying on this loan for 10 years and still owe XXXX. I have been charged late fees when my payment was on time. I have paid over XXXX in interest and the principle has never gone down. They refuse to let my Co-signer be released even after this long period of time & payments being made.
Three years ago I received assistance to pay my mortgage for 2yrs. This should have ended XX/XX/XXXX. My mortgage company stated I was behind because I didn't pay XX/XX/XXXX. I determined that the last few months or so of the assistance the mortgage company Ditech increased my mortgage. I was unemployed and fell behintd on my mortgage. I asked for a modification and qualified. In XX/XX/XXXX I received loan modification paperwork from Ditech. I was able to make my 3 lowered monthly payments on time and qualified for the  modification. I completed the paperwork and sent it back to them. I never heard anything from them. This concerned me. I attempted to call them to speak on the matter. I was continuously transferred to different people and voicemails. XX/XX/XXXX I received a notice that they were going to foreclose on the home. I called and after being transferred 3 times I spoke with a young lady who was able to assist me. She stated that my modification paperwork was incorrect that my notary signed in two places. No one called or sent documentation to inform me of this mishap. I was unable to make a payment because I was not sure how much to send. The young lady sent a second set of papers I completed them and mailed them back. The young lady stated the amount I should make my future payments for. She stated that Ditech was at fault by not contacting me to advise of the incorrect paperwork. I called XX/XX/XXXX a month after sending the documents back and spoke with XXXX. I received another foreclosure letter. She asked why it took 3 months to send the modification paperwork back. I advised her to review the notation. She apologized and said that Ditech was working on the issue and was waiting for XXXX to agree to the terms. That XXXX was backed up and they could not proceed forward without them. She also advised me to disregard any foreclosure documents sent because it will take a minimum of a month to process the modification. On XX/XX/XXXXI received another foreclosure notice. I called and could not get anyone until XX/XX/XXXX. I spoke with XXXX who stated I should review XXXX hosted by XXXX XXXX. I advised that I wanted to speak to someone about loss mitigation. I had a representative named XXXX. At this point I do not know where I stand. I am unclear if they are going to attempt to foreclose on the house. The initial loan modification didn't occur due to their negligence. I feel they want my home and a purposely not assisting to ensure they have the property. They hard to reach, uncooperative, elusive, and do not return calls or voicemails. I truly feel that others must be experiencing the same issues with Ditech Home Loans.
Experian mixed my file with another individual with a similar name. A credit bureau is responsible for maintaining individual reports properly and correctly under the FCRA. Experian 's mishandling and mixing of my individual credit information DECREASED my credit score by over 100+ points. Experian 's incorrect report was over a 100+ points lower than the other two credit bureaus. Unfortunately, this information came to light after I submitted a credit card application with one of my banks. My application was denied based on Experian 's incorrect credit report, and I lost a {$200.00} cash-bonus opportunity. 

On XXXX XXXX XXXX, I reported the improper information listed on my credit report, and the representative informed me that Experian had mistakenly mixed my file with another individual residing in California. While Experian " re-evaluated '' after fixing the relevant issues, I was still denied the opportunity to benefit from a cash-bonus offered by my bank. 
Experian clearly violated their statutory and regulatory requirements under the FCRA by mixing my file with an individual with a similar name -- evidencing that their filing procedures and protocols are not compliant with FCRA requirements.
I have a Best Buy XXXX credit card with Citicards. My account number is XXXX. 

On XX/XX/XXXX2017, I was assessed a charge in the amount of {$67.00} from a XXXX store in XXXX, HI. I live in XXXX XXXX, CA, and have never been to XXXX or to any XXXX store in XXXX. 

I disputed the charge on Best Buy 's credit services website. However, they responded, " A valid card on your account was presented at the time of this purchase, '' and refused to remove the erroneous charge, Since I repeat, I have never been to XXXX, and the card was never out of my possession, it is impossible this charge belongs to me.
I received a letter of denial after applying for an XXXX XXXX XXXX account through XXXX XXXX Bank, whom I already have 2 other cards with. The letter indicates their decision is based on information from a company called SAGESTREAM , LLC and this company indicates my credit score is  XXXX ( on a scale of XXXX?! ). I monitor my credit score closely and there is a big discrepancy with the information this supposed " credit bureau '' is reporting to creditors, compared to the credit score i maintain with the 3 major credit bureaus. I am concerned that this company, XXXX, is fraudulent and/or the letter of denial in whole is a scam to obtain my personal information. Additionally, I work in the finance industry, in collections, and in the 5 years I 've been employed by a credit reporting agency, I have never heard of this supposed credit bureau, SAGESTREAM.
CITIBANK CREDIT CARD FAILED TO FOLLOW SERVICEMEMBER CIVIL RELIEF ACT 50 U.S.C. CH50 3937. Maximum rate of interest on debts incurred before military service ( a ) Interest rate limitation ( 1 ) Limitation to 6 percent An obligation or liability bearing interest at a rate in excess of 6 percent per year that is incurred by a servicemember, or the servicemember and the servicemember 's spouse jointly, before the servicemember enters military service shall not bear interest at a rate in excess of 6 percent -- ( A ) during the period of military service and one year thereafter, in the case of an obligation or liability consisting of a mortgage, trust deed, or other security in the nature of a mortgage ; or ( B ) during the period of military service, in the case of any other obligation or liability. 
( 2 ) Forgiveness of interest in excess of 6 percent Interest at a rate in excess of 6 percent per year that would otherwise be incurred but for the prohibition in paragraph ( 1 ) is forgiven. 
( 3 ) Prevention of acceleration of principal The amount of any periodic payment due from a servicemember under the terms of the instrument that created an obligation or liability covered by this section shall be reduced by the amount of the interest forgiven under paragraph ( 2 ) that is allocable to the period for which such payment is made. 
( b ) Implementation of limitation ( 1 ) Written notice to creditor In order for an obligation or liability of a servicemember to be subject to the interest rate limitation in subsection ( a ), the servicemember shall provide to the creditor written notice and a copy of the military orders calling the servicemember to military service and any orders further extending military service, not later than 180 days after the date of the servicemember 's termination or release from military service. 
( 2 ) Limitation effective as of date of order to active duty Upon receipt of written notice and a copy of orders calling a servicemember to military service, the creditor shall treat the debt in accordance with subsection ( a ), effective as of the date on which the servicemember is called to military service. 
( c ) Creditor protection A court may grant a creditor relief from the limitations of this section if, in the opinion of the court, the ability of the servicemember to pay interest upon the obligation or liability at a rate in excess of 6 percent per year is not materially affected by reason of the servicemember 's military service. 
( d ) Definitions In this section : ( 1 ) Interest The term " interest '' includes service charges, renewal charges, fees, or any other charges ( except bona fide insurance ) with respect to an obligation or liability. 
( 2 ) Obligation or liability The term " obligation or liability '' includes an obligation or liability consisting of a mortgage, trust deed, or other security in the nature of a mortgage. 
( e ) Penalty Whoever knowingly violates subsection ( a ) shall be fined as provided in title 18, imprisoned for not more than one year, or both.
On XXXX XXXX an employee of ours forged my name on a company check and cashed it for {$2000.00}. After an audit of the account in XXXX this fraudulent check was found. I went to the police and they obtained pictures of her cashing the check, the cancelled checked. I pressed charges against her, she admitted to signing and cashing it and she was arrested and charged accordingly. We filled out a Domestic Collections Fraud Packet Information with 5th/3rd Bank on XXXX XXXX. 2016, and submitted it to the Bank. After countless phone calls and transfers to different departments to check on the status of the Forgery/Fraud Instrument Affidavit we were advised it could take up to 45 days before review and refund of our money. Today we received a letter from the Dispute Resolutions Manager at 5th/3rd Bank, that our claim for Check Fraud had been declined due to " past time frame to dispute ''. It was less than 4 months before we found the forged check. I do feel this is adequate time in which to gather information and proof of this crime. The is a business account and is very active. The 5th/3rd Account is a secondary account and was not immediately looked into for forgeries. We feel that only giving 30 days to file the Forgery/Fraud Claim is not sufficient time for a crime taking place at a business, After all, it takes 5th/3rd Bank 45 days to come to a decision on this claim.