WillisBack/dataset-financial-user-claim huggingface dataset:
My payment is on ACH but Cash Central debits my account before I actually receive my direct deposit check and outside the agreement. So every month I have to be on the phone with their customer support. I am pro active and call them instead of waiting for them to contact me. I have tried almost every month to get the problem corrected but to no avail. Their reps do n't want to hear the problem. Cash Central should stick to the agreement of when they would debit my account, same day that I get paid, not the day before. Also, they should have reps that actually care when I am calling them, not returning a call. I was transferred 5 times tonight but that does n't concern me as much as the fact that you sit on hold in between calls because they do n't know where to transfer the call. I pressed the right # s initially to get to the correct dept. it took over 25 mins to handle this tonight. If it could be fixed without another 30 -45 mins. Thanks.
I am a victim of Identity theft and it has been an absolute nightmare trying to get back on track and get my life some what back together. That said, the bureaus are not making the process any easier. I have sent them a stamped copy of my police report, a notarized statement and a fraud affidavit payment and to my dismay the fraudulent entries still remain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I had submitted a previous complaint just last week regarding Navient Private Student Loan. I had complained about an employee who was rude and would n't help us with our situation to extend the Rate Reduction Program. 
I received a call back a few days later from another gentleman ( XXXX ) who said that he was going to request the extension and would call me back on Monday XXXX XXXX. I asked for his name and contact information, but he would only give me his first name. I contacted Navient today, Tuesday XXXX XXXX because I did not receive a call back from XXXX who said he would call me back. I was told that they denied my Rate Reduction. 
XXXX called me back after my complaint last week and he did not go over anything with me regarding our financial situation. I felt rushed off the phone and gaffed off so basically he did nothing for us and was a huge waste of time. I spoke to a supervisor named XXXX XXXX who gave me his employee ID unlike XXXX who did not. I asked if I could be transferred to the department where XXXX worked. He stated that they could n't transfer calls to that department. Well I could only imagine why since I 'm sure they have numerous complaints from the public. Where is the accountability at Navient? 
Currently our balance is {$48000.00} and our interest rate is a ridiculous 9.75 percent. We will never pay this loan off in our lifetime. When Navient went over our budget, I could n't include all of our expenses because they do n't allow pet food or vehicle registration, car maintenance or anything other then bare essentials. This is a nightmare for my family. Our payment was {$230.00} on the Rate Reduction Plan which had been increased from the year prior. We were under the impression that they would continue to increase the payment slowly until we could afford the regular payment plan, but instead they want us to pay over {$400.00} in payments each month with a high interest rate. We are decent hardworking people and all we are asking for is help. We have paid our payments faithfully each month. This is cruel to treat people this way. I only see these large corporations as XXXX, greedy and with a lack of compassion. We feel like slaves who are trapped in debt!
I have been a full-time XXXX XXXX since XX/XX/XXXX. I saw an ad in the newspaper about Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX. I consolidated my federal loans in XX/XX/XXXX and was told that I was good to go and on track for PSLF. In XX/XX/XXXX I filed the paperwork to have my loan transferred to XXXX to finalize the PSLF process. In XX/XX/XXXX I  was informed via email that although my employment was certified, none of my 9+ years of on-time, consecutive payments would count towards PSLF because I was on an ineligible repayment plan. During the past now 10+ years of payments I have paid over {$36000.00} in interest. Had I known that I was terribly misled, I would have paid off this loan many years ago and not gotten hammered with all this interest. I now have almost {$44000.00} in principal left on the original loan amount of {$46000.00}. I never would have agreed to pay that much interest under any circumstances. I went through the complaint and appeal process with XXXX and was told that there was nothing they could do because Congress makes the rules. This is completely unacceptable.
I recently inquired about me having to pay mortgage insurance that I thoughtwould end after five years by calling BOA. Customer service said they would sendme some paperwork and I need to read that. 
I received a INFORMED CONSUMER CHOICE DISCLOSURE NOTICE dated XX/XX/2010 ( one month before my actual closing on the house ). 
That Notice has my name as a signature but that is NOT MYSIGNATURE. So I called BOA and talked to Customer Service and theFraud Dept explaining them that this is not my signature and they said they had to investigate this and it is " serious ''. 
Somebody forged my signature and I never seen this Document before thereforemy argument is that I feel that I should not have to pay this Mortgage Insurance Premium. 
They said they will send me a Signature Affidavid but so far I only received a letter from BOA saying I need to pay {$32000.00} to eliminate the MIP! 
BOA so far is not cooperating with my request and even makes furtherdemands! 
Please contact me at my earliest convenience, I have a reference # andname who I talked to but can not disclose it here ... 
Please leave a message on my Cell Ph # I have provided if I do n't answer and I will return your call. 
Thank you, XXXX XXXX
XXXX University, XXXX NY XXXX XXXX, XXXX, XXXX have been repaying my student loans for 10years. Between my federal and private loan payments the payments have been in excess of XXXX, ( private being XXXX ). Recently, I extended the terms of my private loans to lower the payments ( now XXXX in addition to {$280.00} federal payment ). I also took a significant pay cut and am living on my credit cards in order to pay for this and my healthcare plan. I have diligently paid the entire principal + {$20000.00} and they want an additional {$50000.00}. That is 170 % return on the borrowed funds. I do not understand why this is fair or unregulated. A mortgage with these terms would not happen unless I had the worst credit, and I have well above XXXX credit score. It is unsecured debt and I have done my duty. I do not think that NavientXXXX should be able to continue to hold this account in debt. I offered a settlement that was VERY REASONABLE ( 40 % of remaining balance ) and they declined the offer because my account is in good standing. They told me they will only consider settling my account if I stop paying, ruin my credit, become deliquent client for an extended length of time. Of course this makes even less sense to me. Please help me to get a fair settlement attained for this debt.
Capio Partners  continues to report an account that I have no idea about. They are reporting this false information with the credit bureaus and is causing me to lose a chance of renting new office space. I have perfect credit and this malicious information is damaging my business. My next steps will be to contact an attorney and file suit against them for damages.
ORIONS MANAGEMENT GROUP LLC has call my cell phone repeatley I have ask them to supply me with proff that this a debt I owe they have not. 
ORIONS MANAGEMENT GROUP LLC has called my home repeatly about this same debt the refuse to show proff of, then a woman from this company start telling me I am reading your credit report you dont pay your debts. They refuse to give me a fax number so I can fax them a letter requesting them to contact me by maile only
I received a letter stating that I owed XXXX money and they were attempting to collect it. I contacted XXXX and they do n't know this company and I do n't owe any money.
1. Shellpoint has failed to correct my loan to comply with a Federal Bankruptcy reaffirmation agreement. 
2. Shellpoint has given false testimony in XXXX XXXX XXXX XXXX Court that I have never paid any payments on the loan since 2011. 
3. Shellpoint has not corrected the escrow account 4. Shellpoint is trying to collect discharged debt calling it a BK fee in the courts and on a payoff statements.
PAYPAL ACCOUNT On XX/XX/2017 I initiated a transfer of {$100.00} from my personal bank to PayPal. On XX/XX/2017 my funds showed as " Available {$100.00} '' in my PayPal account. I attempted to purchase an item eBay for {$94.00} on XX/XX/2017 and XX/XX/2017 numerous times but an error said " Pay Pal not an option ... contact PayPal ''. After hours on the phone with PayPal and eBay NOTHING WAS RESOLVED! I am now requesting PayPal refund the money back to me in the form of a CHECK. When I do this an error now shows up saying " Not a Valid Billing Address ''. I ONLY HAVE XXXX ADDRESS ON FILE WITH THEM AND THIS IS THE ONLY ADDRESS I HAVE EVER HAD ON FILE WITH THEM. I have unlinked my bank account with them as I am concerned about security. I continue to get canned generated emails back from them that do not address the problem. Please provide me with your assisstance in getting my money back from this fraudulent company.
I contacted Capital One to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for XXXX a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect XXXX and that is the statement that I would be responsible for. I made the payment of XXXX but they debited my account for XXXX, which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of XXXX removed and the 30 day late mark removed as well.
My Name is XXXX XXXX. 
I purchased our home in 2015. Plaza Mortgage is our mortgage company. We closed in XXXX. I have experienced a loss of income at my job on the radio. And it was reduced by half. I contacted the mortgage company, and they took my information. I did n't hear from them for Months ; meanwhile, I was delinquent on my mortgage. They send me a modification requesting payments that are HIGHER than what my original payment is. 
I sought out an expert, and he assisted in submitting documentation. The bank insists that they have n't received documentation however we have proof they do. Since then we have found out the foundation of the property is crumbling and have communicated this to the bank. They requested additional information for my non-borrower contributing to the property, and when we call in for the status, they refuse to speak to any of us. 
Also we received letters from their attorney with a motion proceed with the forclosure.
Inaccurate XXXX XXXX : " Your TransUnion credit report contains the following XXXX XXXX. 
DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYING INFORMATION. THESE NEGATIVE ACCOUNTS ARE NOT MY OWN. I DO NOT HAVE A MIDDLE NAME. ''
I have an unverified account from XXXX XXXX XXXX a.k.a XXXX XXXX, XXXX. I have previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. XXXX XXXX XXXX has reported a collection on 2 credit reporting agencies on XX/XX/2018. I sent registered letters to XXXX XXXX XXXX requesting validation of debt for their account # XXXX to the address listed, on XX/XX/2018, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/2018 outlining erroneous statement of charges from the alleged account as debt validation. I have requested that XXXX XXXX XXXX, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If XXXX XXXX XXXX is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with XXXX XXXX XXXX.
I 'm working with XXXX XXXX XXXX to help with my debt due to financial hardship & I have forwarded this information to Kohl 's but they have been calling me At the wee hours in the morning. Sometimes as early as XXXX. They have called me XXXX times at that hour.
Received call from " XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 
XXXX XXXX XXXX XXXX, IL XXXX I owe XXXX XXXX Bank some huge undisclosed sum of money. He states that the last activity was in 2004. 

Claims that they have authorized an immediate lawsuit against me in my county unless I quality for their hardship program AND immediately pay off this debt. 

The caller refused to identify himself, provide phone number, or to confirm his company name, address, etc. 

I repeatedly demanded written information be mailed to me. The caller refused to confirm that any mailing had been or will be sent. Only that I had to know about the debt and had to pay immediately unless I want the sheriff at my home. I was unable to get any direct contact information from the caller. 

The caller just kept threatening that a lawsuit was pending unless I pay. For the record : 1 ) I do n't owe the debt, and, 2 ) the alleged debt is out of statute for Pennsylvania. 

What is my recourse with the company?
ABC financial made an unauthorized charge for XXXX $ to my visa card. ABC financial had contacted me over a month ago about an outstanding balance on my gym membership. The gym had informed me a year ago and we verified my credit card info so everything should have been set for ABC financial to charge me my monthly membership of XXXX {$.00} When I talked to them a month ago I had specifically said that the gym waived my late fees so the outstanding balance was around {$140.00}. I also had said and verified that they had my correct credit card info which they did. The representative was going to look more into the problem and call me back in two days with an answer as to why my credit card had not been getting charged But i told her specificallY THAT I DID NOT AUTHORIZED THEM TO CHARGE ME THE FULL XXXX $ BECAUSE I COULD NOT AFFORD THAT RIGHT NOW AND ITS NOT MY FAULT THAT THEY HADNT BEEN CHARGING ME ALL ALONG. I just looked at my credit card statement and on XXXX XXXX they had charged my card for the whole XXXX {$.00} This charge was not authorized by me and no one ever called me back to resolve the problem or to tell me they were going to do this. I am extremely upset and can not afford the full {$270.00} right now. I was more than willing to work out a payment plan with them and that was not even acknowledged. This is not the first time i have experienced horrible service with ABC financial. I will now be cancelling my gym membership
The mortgage was paid in full on XX/XX/18, discharge has not been received by the county to release the lien
I have a property in contract for sale scheduled to close by XXXX XXXX, 2016 to a qualified buyer. At the same time, there is a Trustee Sale on the property scheduled for XXXX XXXX, 2016. I requested Ocwen ( the lender ) to postpone the TS for XXXX weeks. I told them they will be paid in full ( this is a line of credit on the property ). They said they ca n't do anything about it at this time and ask me to call the attorney 's office who is handling the sale to see if they can do something about it for me. I talked to the attorney 's office and they said it is up to the lender to decide and sent me back to talk to the lender. I was given a Relationship manager name of XXXX XXXX and a phone number to contact her at XXXX XXXX XXXX. Unfortunately, no one by that name ever answers the phone. I have been calling several times and each time, a different person would tell me to do this and that but no one seems helpful. I understand the lender wants to be paid as soon as possible so I do n't understand why they are not interested in helping me out so they can get their money.
I work for XXXX, XXXX, XXXX XXXX XXXX, XXXX. We are a XXXX XXXX XXXX ( XXXX ) firm with XXXX offices and over XXXX employees. This debt collector RSI Enterprises calls our XXXX XXXX, California office daily. I work for our corporate office as well as our XXXX office and I have contacted this company weekly for the last six months asking to have the telephone number removed from their list. When I answer the call it is always a recording and leaves the telephone number ( XXXX ) XXXX as the call back number. I have spoken with several individuals explaining this is a business they are contacting not someone 's personal and/or home phone, and each time I 've given them our main number ( XXXX ) XXXX and the XXXX number ( XXXX ) XXXX, requesting to remove the number from their list, last call on Friday, XXXX XXXX,2017. Today, XXXX XXXX, 2017, the call comes through again, I call the XXXX number above and the male individual by the name of XXXX becomes agitated as I stated I am going to report this business as I 've requested several times to have our business number removed from RSI calling list, as we do not know who they are looking for and it is quite annoying and frustrating to receive these calls so frequently. He became irate and spoke rude and aggressively. Upon checking XXXX XXXX #, he said this number was removed on XX/XX/XXXX, hmm that 's strange. I said yes it is, and if you keep reading you will see I 've called several times to have this problem corrected, and yet RSI continue to call our office, why ca n't someone from this company remove our number so that we can STOP receiving these calls. If you call XXXX 's numbers listed above, you can confirm we are a legitimate business and RSI should be competent enough to successively remove our business number from their list. He hung up on me.
I contacted my first mortgage holder, Bank of Albuquerque, in XXXX 2016 to discuss my options of refinancing my first mortgage and paying off my second mortgage with XXXX XXXX XXXX. I wanted to see if Bank of Albuquerque offered a first mortgage product to combine both mortgages, get a competitive interest rate, with a 15 year term, and to exclude escrow. Loan officer informed me the Bank of Albuquerque did have a product to match my request. We discussed the value of my property, current mortgage balances, loan to value under 70 %, employment status, income, debts, annual property taxes, home owners insurance, credit scores, information from my previous first mortgage application, and all other pertinent information consistent with a mortgage application. The loan officer told me with amount needed to combine both mortgages, the interest rate would be 2.875 % with a payment of {$1400.00}. I informed the loan officer that I would remove the security freezes from all my credit bureaus, as I am cautious about identity theft and believe it is best to be proactive. Once obtaining confirmation from all XXXX bureau agencies that the lifts have been completed, I informed the loan officer in XXXX that the bureaus were available. The loan officer told me he would proceed with my application. The entire application process from XXXX through XXXX included requesting income documentation, ordering and paying for an appraisal, several communication regarding property title, and general conversations regarding the status of the loan. Prior to giving the loan officer my credit card information for the appraisal costs, in XXXX, I asked if we are still at 2.875 % on the rate and {$1400.00} with the payment. He said, " yes and maybe even better ''. As I continued to believe the interest rate and payment was fully disclosed, I proceeded with the loan process and paid for the appraisal. 

It was not until I received the Interest Rate Lock Agreement with a rate of 3.75 % & payment over {$1500.00}, in XXXX, is when I realized that the rate and payment were improperly disclosed. The loan was final approved in XXXX. 

Improper disclosing of interest rate and payment, of a Primary Mortgage during loan application, has lead me to file this complaint.
Already one complaint against capital one Bank account XXXX is on file report was made on XX/XX/XXXX this account maliciously report false information to my credit report knowing my situation ; the cpfb report # is XXXX. Futhermore they continue doing it now through a third party debt collection agency XXXX which report to my credit report last XX/XX/XXXX for the sum of {$600.00}.
Disputes with the company on XX/XX/2018/. Company received my disputes on XX/XX/18 as it shows according to the certified mail. It is now XX/XX/2018 and I've yet to hear back from the company. The FCRA gives the 30 days to respond, I have not gotten a response.
Macy 's American Express card has been fraudulently charging me Late Fees and Interest Charges for months though they are directly debiting the full balance due every month from my checking account. How can they charge me these late fees/interest charges when they are withdrawing directly from my checking account? This unscrupulous practice has been going on, may be for years and I just happened to notice it today. Please take action against Macy 's so they are fiscally prudent when it comes to handling customer accounts!
This company added a collection to all 3 credit bureaus for {$1300.00} on 3 separate occasions dating back to XX/XX/XXXX which has caused my credit scores to drop almost 100 points and has caused me to be denied for credit. The collection was added without being researched, I was never contacted prior to the collection being addeded, and the company refuses to respond to the XXXX in response to the complaint which I filed XX/XX/XXXX. I sent certified documents to this company showing the debt was paid by my insurance provider at the time of service ( XX/XX/XXXX ). The documents were received and signed for on XX/XX/XXXX, but my credit reports have nor been updated nor have I received any follow up communication from this company.They are illegally trying to collect for a debt that is not due and will not respond to any communications.
Never received any warnings. 
Called me left a voicemail. Didnt explain anything. Tried to call them but they constantly hanging up. 
Now trying to distroy my credit by opening collection account. 
Aggressive and uncalled for approach. 
How is this legal?