WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2014 I went to XXXX XXXX XXXX to try to purchase a vehicle they try to sell me a new car but I wanted low payments and did n't want to work with me. They had a car in their garage lot which was out of public eyesight they told me it would {$300.00} a month so them not telling me anything about the car and I being clueless I took the car with XXXX miles and it was a XXXX XXXX they left me to me at {$10000.00}. I have been paying over 3 years on the car with finance company Santander Consumer the payments have n't lowered the car is n't even trade able. Less than a month the finance company calls me and tells me my payment is due when in the dealership they never even told me when my payment is due. Now I am looking into a voluntary repossession because the car is not worthed. I can not afford the payments. It 's frustrating
For years I have dealt with this fee that has effected my credit and wasted so much of my time. I dealt initially with the XXXX XXXX fraud department and thought the issue was resolved. Now I am dealing with a collection agency, that has caused ANOTHER hit to my credit and more wasted time. I do not owe this money and want my name removed from all call list and this taken off my credit report.
AFTER GOING THRU MY STATEMENTS FOR TAX PURPOSES I FOUND NUMEROUS CHARGES THAT I DID NOT APPROVE I CALLED MY XXXX  CARD TO LET THEM KNOW WHAT WAS GOING ON THEY TOOK MY CLAIM FOR ALOT OF CHARGES AND THE SAD PART IS I FOUND EVEN MORE AFTER I SPOKE WITH THEM THEY ASKED ME TO SEND IN STATEMENTS WITH THE INFO ON THEM WHICH MAKES NO SENSE SINCE THEY HAD JUST SENT ALL THE STATEMENTS TO ME, BUT I SENT THEM IN AND HAD BEEN WAITING FOR THEM TO GIVE ME IT BACK BUT THEN I GOT A LETTER SAYING THEY WERE REFUSES MY CLAIM THEY DIDNT SAY WHICH ONE OR WHY. I DID NOT DO THESE CHARGES IF SOMEONE IS SAYING I DID ITS A LIE AND I ONLY KEPT PAYING THE CARD OFF CAUSE I DIDNT WANT MY CREDIT MESSED UP I SHOULDNT HAVE TO PAY FOR FRAUD OF ANY KIND ON MY CARD
I have a Bank of America Rewards Card that I seldom use. I have had this card for more than 10 years and stopped using it regularly because of frequent credit limit decreases to right above the then existing balance. This has occurred twice during the time I have had the card with Bank of America. My credit limit has been {$5000.00} for several years. My payments are made on time and I have never been over the balance. My current balance is approximately {$2700.00}. Today, I received a notice that my credit limit has been again decreased to {$2800.00}. Just less that {$100.00} from my then exiting balance. They might as well have closed the card. This unfair and deceptive trade practice by Bank of America will cause my credit score to be artificially lowered because my credit profile will now show a credit card that has been " charged to the limit. '' B of A did this intentionally to harm my credit and punish me for not using its high interests fee laden card more frequently.
I was contacted by a  XXXX   XXXX  on  XXXX   XXXX ,  2017 , he was calling for a company called Critical Resolutions Mediation. Which is supposedly a Georgia based business. He started by telling me I had an outstanding debt with  XXXX   XXXX  for a defaulted pay day loan. I tried to explain to him that I have never had a bank account with the bank account listed in the loan information. I asked for written validation and he told me the best he could do was email me a copy because if I did n't resolve this issue that day I would be taken to court and prosecuted. I panicked and upon receiving an email with documents to " validate '' the debt I promptly deposited {$320.00} into a  XXXX   XXXX  account numbered  XXXX . I called  XXXX   XXXX  yesterday to find out if I owed and the amount I owed, because I was supposed to be making another payment to Critical Resolutions Mediation on the  XXXX  of  XXXX . I was told by the lady I spoke to at  XXXX   XXXX  that there is no information for me owing or even ever having a loan with them. She informed me to file a complaint about the Critical Resolutions Mediation as they have scammed me out of {$320.00} and that they are not even a debt collector that  XXXX   XXXX  works with. So  XXXX   XXXX  stole {$320.00} from me as well as threatened legal action against me. The number for  XXXX   XXXX  at Critical Resolutions Mediations is  (   XXXX   )   XXXX  ext  XXXX .
My  credit score w  ith  XXXX   is  XXXX , with  XXXX  it is  XXXX . When I applied for a ne w   Venture Capital rewards card yesterday ,  XXXX / XXXX  /2017, they  insisted my score was not good enough at  XXXX . My  credit score  has never been that low. When I tried to speak with them, the representative insisted my score with   XXXX    was now  XXXX  when in fact it is  XXXX . The representative also insisted I had to use thei r "   XXXX   XXXX   '' site to  " repair '' my cre dit.   Venture pre-approve d me for the credit card I applied for, then denied the credit saying my score was too low. To date,  XX/XX/  2017 a t   XXXX   XXXX  , their representatives have given me  XXXX  incorrect credit scores and insisted I enroll in "  XXXX   XXXX  '', a service owned and run b  y Venture Capital. T  his kind of action feels like a complete scam. They not only have wrong information but they seem to be unwilling to fix it.
I am victim of identity theft. I reported ID Theft to all 3 credit bureaus. I had accounts/inquiries on my credit report which was ID Theft. XXXX & XXXX removed those inquiries/accounts. However, EQUIFAX did not. The investigation did not result in anything but them not removing the account. I really need this account/inquiries to be removed since they are not mine. I spoke to them numerous amount of times.
I have notify all 3 credit bureaus to dispute information on my report I specifically state to them I am disable and receive government assistance meaning Medicare and Medicaid so I shouldn't have a bill. They would delete the account and then put it back on my report or they would state its verified as mines.
THERE ARE SEVERAL INCORRECT ITEAM LISTED ON MY REPORT WITH A FAMILY MEMBER NAME NOT MY OWN. I HAVE CONTACT CREDIT BREAU IM NOT GETTING ANY HELP. IM TRYING TO GET A HOME WITHIN THE NEXT 30 DAYS IN BY THIS INCORRECT INFORMATION BEING ON MY ACCCOUNT IS HOLDING ME BACK
I call XXXX customer service and told them my address XXXX, TX XXXX ends at XXXX the XXXX day of XXXX PREVIOUS BALANCE Payment Receive XXXX/XXXX/2014 {$26.00}, XXXX there lease agency told I had to move out this apartment on XXXX XXXX, 2014 at XXXX. I move with XXXX and call and told XXXX customer service to disconnect XXXX account on XXXX XXXX,2014. see on this Bill Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14. Current Gas Charge Total XXXX TAX/FEE CHARGE TOTAL XXXX CURRENT CHARGES XXXX TOTAL AMOUNT DUE XXXX. Are someone at XXXX employer and employee steals and uses your personal information do fraud and put fraudulent charged on your billing account related to identity theft. I am disputing these fraudulent bills charges on my XXXX Costumer Number XXXX Customer Name XXXX, TX XXXX. Account close out XXXX XXXX, 2014. Billing Date XXXX/XXXX/14 PAST DUE AFTER XXXX/XXXX/14 XXXX, PAST DUE XXXX/XXXX/14 XXXX Final Bill PERVIOUS BALANCE XXXX these bill are like the same billing XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, Billing Date XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, billing Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14 XXXX see these attachment the XXXX bills date XXXX/XXXX/14 past due after XXXX/XXXX/14, Payment received XXXX/XXXX/2014, XXXX Current Gas Charge Total XXXX Tax/Fee Charge Total XXXX Total Amount Due XXXX, Previous Date XXXX/XXXX/14 Past Due After XXXX/XXXX/14 Pay Receive XXXX/XXXX/2014 XXXX tax XXXX = XXXX, they are not the same like Current Charges and Tax/Fee Charges Total, Total Amount Due date XXXX/XXXX/14, XXXX/XXXX/14 and date XXXX/XXXX/14 disputing fraudulent charges XXXX accounts identity theftXXXX XXXX employer and employee told me there collection agency Professional Finance Company , Inc will get the {$56.00} dollar from me are mass up, this is company 's do when you close out your account with them. they call there collection agency for more money from there customers and mass up your credit. This is not rightSincerely, XXXX XXXX
Lowes has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
DiTech, a " XXXX XXXX '' became the successor in interest to Greentree ( which had purchased our mortgage loan from XXXX XXXX I believe it was ). Around XXXX XXXX we received our annual escrow statement showing a large positive escrow balance accompanied by a " Shortage Adjustment Notification '' proposing a {$64.00} per month increase in the escrow portion of our monthly payment, accompanied by a footnote that the information provided did not require any action on our part. I took no action because I could not determine how they calculated a shortage. The XX/XX/XXXX Payment went with the standard payment - the pre-shortage notification payment and DiTech lowered the boom. It did not credit me with the XX/XX/XXXX payment at all, but deposited it to a suspense account ( whatever that is ), imposed a late fee of {$120.00} because the XX/XX/XXXX payment " had not been made '' ( on the escrow shortfall of {$62.00} ), claimed we were a month in arrears on our mortgage and will undoubtedly up the late fees and charges when I refuse to pay the late fee.
Mortgage was transferred to GreenTree servicing XX/XX/XXXX. We have had nothing but problems. 
1. Applied for loan modification under XXXX. They told us our mortgage/payments HAD TO BE CURRENT, and eventually only qualified us for a XXXX yr term. 
2. Called my employer ( School that I teach at ) and harassed me and disclosed our financial state with the school secretary numerous times. I was called/harassed at home numerous times even though we told them we filed Chapter XXXX. 
4. When I called to make payments, was told I had to use Speedpay and there was a {$12.00} fee. 
5. Often time, even now, I make my payments online and it takes them 2+ weeks to post them to our account. Often times, we are changed a late fee as a result. 
6. MOST IMPORTANT : We have NO CLUE what our balance is and what is going to principal or interest. We do n't get statements- they tell us we will not get statements since we filed Chapter XXXX although we did n't file it on our home/mortgage. 
7. WE ARE BEING CHARGED $ XXXX AS BANKRUPTCY FEE FROM GREENTREE. When I call and inquire ( numerous times ) they claim " We will look into and get back to you. '' THEY NEVER HAVE IN 2 YEARS. 
8. We had an overage in our impound account- Like {$4000.00}. When we asked to have that refunded to us, we were told numerous times " A check is on it 's way to you. '' We never got a refund. We were then told the overage was added back to our principal ( even though they will not give us a statement/ account summary of our balance so we could verify this. '' 3 months later, they sent us a bill because our impound account was short $ {$.00} 
9. We do n't know who our mortgage servicer is now- We have n't received a letter or statement in 3 months. We " heard '' on the news Greentree does n't exist and do n't know who to pay or call. 

We feel soo robbed, and ripped off. We are still being charged $ XXXX monthly for " bankruptcy fee. '' PLEASE HELP US!!!
I filed a complaint against XXXX/XXXX through this agency the case number is OMB # XXXX. I did get a letter from NES offering a co-borrower release for {$220.00} due XX/XX/XXXX they acknowledge that they are a debt collector then say that there is {$560.00} that I owe on the account. The letter they sent me is dated XX/XX/XXXX. I spoke to someone at NES last week and I told them that I wanted XXXX or NES to remove this account from my credit report because XXXX has never accepted that I had an agreement with XXXX XXXX to pay {$48.00} a month without having to bring the account up to date from when my nephew stopped paying for 7 months. My argument is that the account should have never been sent to a collection agency since I have been paying this account since XX/XX/XXXX. Why did XXXX think this account was not going to get paid? When did I give them an indication that I was not going to finish paying this account? Today I get a call from NES and it was the rudest call ever. The representative actually called my nephew a thief!!! What business does he have saying something like that. I am a XXXX, I am a law abiding citizen, I have done nothing but try to help my nephew get a career. My nephew fell upon hard times and did n't pay on his loan, I took over payments when I found out he was n't paying. I have paid for 5 years I am not cheating anyone! He had no right to accuse my family member of anything especially since I have been making payments. Yes, I paid the XXXX payment two weeks late but I also sent the XXXX payment a week early. My father died on XXXX XXXX he was sick on XXXX XXXX, I was n't thinking about student loans - should XXXX have assumed that I would no longer pay after sending in XXXX of dollars. Should I be punished with a bad credit report because XXXX felt the need to send it to an unscrupulous company that hires people that slander my family member because they really thought I would give up making payments? Something really needs to be done, this is abusive.
I was having issues with my mortgage inXX/XX/XXXX. I spoke to my representative in fayservicing about a loan modification. I sent in the application and they claim that they never recieved it. I sent it 4 times and no response. My mortagage was becaming more and more behind. I was able to pay some money but they continued to return it. InXX/XX/XXXXI received a new rep. XXXX and he mentioned a Deed in Lieu. I stated to him that it would be good for me. I sent him an application and of course it was never received. I kept getting the run around with this company and their representatives for years. InXX/XX/XXXXI sent XXXX the application for a deed in lieu which I have confirmation that it was sent. He never returned by calls, I called to notify him that I was leaving the home to live with my parents because I wanted the deed of lieu to be processed as soon as possible. I was told I could get XXXX and now I ca n't because the offer expired. I continued to call with no response from noone. I was told that they needed my husband to sign a XXXX form which was not true. I was able to speak to a several rep. and was told that it was still processing. In XXXX I was told that they ordered my title. In XXXX I spoke to a very rude rep. name XXXX and he informed me that the application has expired and I had to do the process all over again. He stated that what happen in the past is the past and told me what do I want to do. He sent me the application again to my parents I filled it out and then in the same week I was given another rep. named XXXX. I spoke to him and he sent me another form. They went to my house in XXXX and lied and stated that I was still there and had not vacated the property. They told me that the electric gas and water was still on, but I had proof that it was all shut off XX/XX/XXXX XXXX received the application and I was told the deed in lieu would take 30 days. That was in XXXX. During that time they had someone delivery to me Forclosure papers. Those papers were sent to XXXX in XXXX. It is now XXXX and they sent me a form for short sale. I called onXX/XX/XXXX and stated I do n't what to do a short sale but a deed in Lieu and receive 3 to 4 thousand for turning over my keys. Fayservicing just paper  push and does nothing to help. I believe that they want to forclose on my home and not help. I have yet to talk to XXXX and I have sent emails. When I started this process late fees and everything was suppose to stop and it has not. Yet they continue to tell me that they never received this and that and when I provide proof that they received the paper work they come up with something else. This company has a class action suit against them back in XXXX. I hope that I will be able to contact someone to sue them also.
TransUnion Allowed, and authorized an inquiry on XX/XX/2018 for XXXX ( XXXX XXXX ) this is a fraudulent inquiry. I called the fraud victims assistance line. I was then transferred to a fraud specialist which told me he couldnt help me block the fraudulent inquiry from my report even though I stated I didnt authorize it. They also have my police report on file. Additionally the agent was very rude. He said he would transfer me to a supervisor and never did.
Hello. 

I went on XXXX XXXX and saw that a new collector has taken over my debt. I've sent two emails and called a few times and haven't been able to get ahold of them. I've looked up info on them and everyone seems to think they are fraud. 

I don't see how this company could be fraud if they show up on XXXX XXXX though, right? 

Look, I just desperately want to pay this XXXX debt but I don't to pay some scammers. The company is called Commonwealth Financial Systems. How do I figure out if they are legit? 

XXXX XXXX XXXX
On  XXXX   XXXX ,    2017, I pu rchase d 2 American Express gift c ards for {$25.00} each. I was aware that bank gift cards usually have a fee attached to them but the packaging of the gift card clearly spelled out " no fee charged. '' The next day I looked at the receipt I had for the Gift cards that were purchased at our local  XXXX  store and noticed a n Am E x fee of {$3.00} charged per card. I called  American Express  customer contact number and told the company rep the problem. He informed me that the charge was for the plastic card itself and not a fee. My complaint is that the price for the card is not clearly stated on the packaging as is the clearly stated " no fee charge. '' I feel this to be a deceptive practice. Prices of any product you wish to purchase are clearly stated on the product 's packaging.   I as an average consumer was not properly informed about the true cost of the product I purchased. It is fine with me  if American Express is going to c harge for the plastic but let me know clearly up front so I am aware of the cost.
I sent this company a letter disputing several incorrectly reported items on my credit report. Correspondence dated XXXX XXXX, 2017, informed them of the accuracies and violations of the FCRA resulting from their negligence and none compliance. There had been inaccurate and incomplete information from the account opened date, closed date, payment history, balance and the highest balance being reported. There are even items that have been removed from the other credit repositories that this company did not. What documents did you use in your investigation? I definitely need a copy of that. The verifying documents that only this company was able to acquire or was only provided to this company. Why and how this company was able to acquire those documents and verify these pieces of information is a mystery since other bureaus are not able to. This obviously looks like a violation of FCRA, Please see attached copies of the letter I am mailing them again.
I applied for a HELOC at my own bank, Bank of America. The process has taken incredibly long, no disclosure documents were sent to me for at least 30 days from application date, and NMLS licensed personnel at the bank misrepresented that their policy regarding certain legal forms and notary selection by the consumer were actually state law as opposed to bank policy. Additionally, when I told them that I wanted to apply at a second bank, they told me they refused to process my loan unless I signed a document stating that I would not apply at another bank. I believe this limits competition among service providers and is intended for the bank to take advantage of the consumer. No other business would operate this way. I'm not even certain that type of demand is legal. 

I feel as though they have been misleading me to the extent of possible financial harm by refusing to let me shop for a mortgage.
I solicited XXXX of XXXX, MD for the burial of my grandmother, XXXX. At that time, my total bill was {$8000.00}. XXXX had a life insurance policy of {$5000.00}, which was signed over to the Funeral Home, bringing the balance to {$3000.00}. Additional payments were made to the Funeral Home. The funeral home turned the account over to Hunter Warfield for collection of the original, full balance of {$8000.00} in addition to interest of {$220.00}. On XX/XX/2017, I sent a cease communication and dispute letter to Hunter Warfield disputing the debt, requesting they cease calling my phone numerous times a day without leaving a voice mail or answering when I answer, and requesting documentation showing verification of ownership of this debt, itemized account details showing original amount of debt and all credits made and accounting, itemization showing the {$8200.00} balance, and any documentation showing they are licensed to collect in the State of Maryland. On XX/XX/2017, I received a response from XXXX Hunter Warfield stating Enclosed is verification of your debt and attached the original document completed at the funeral home at the time of PLANNING the burial. None of the documents I requested, most importantly an itemization of credits made to the account, were included. On XX/XX/2017 I responded by written correspondence reiterating I asked to be provided with " all documentation showing verification of this debt, itemized account details showing original amount of debt, all credits made and accounting showing the balance as set forth in your correspondence. As well as documentation showing you are licensed to collect in the State of Maryland. Their two sentence cover letter and attachment of the original planning statement of funeral services was insufficient, and again requested an itemized accounting showing how they reached the {$8200.00} balance, retrieve proper documentation from their client regarding credits made to their client from the life insurance policy, as well as payments made. On XX/XX/2017 I received correspondence from XXXX with the same two sentenced cover letter and the same original statement of funeral services. This company has refused to supply me with anything other than the original planning document, nothing showing the life insurance policy payments or other payments made to the account, and continues to try to collect on the full, original balance that is not owed. This company refuses to submit any of the information requested in both dispute letters submitted to them. They have reported on my credit bureaus as a collection account in the amount of {$8200.00}, which I have disputed with the credit bureaus. The account was kept on my reports as Hunter Warfield verified the debt, despite reporting that the full balance was still owed. They are collecting on an amount that is completely false, as well as falsely reporting to credit bureaus.
On  XXXX / XXXX /2017 I did a wire transfer of   XXXX    XXXX  from my account at Bank of America, to my family account in   XXXX   at   XXXX   XXXX   XXXX  . Attached wire transfer confirmation.
The money never reached the destination account.
Attached recipient 's account statements for  XXXX /  XXXX   and  XXXX  2017.
When I asked Bank of America about this issue, they told me the money was sent to an intermediate bank in  XXXX  (   XXXX   XXXX   ) and they do n't know what happens after that.
I 'd like to have someone investigate/solve this issue.
Thank you.