WillisBack/dataset-financial-user-claim huggingface dataset:
starting in the beginning of XX/XX/XXXX I started receiving calls from CDR assc. about some kind of debt, i asked what kind of debt and they respond with they need my SSN # to proceed, i told them i was not going to give that information out over the phone and send me in writing a copy of the debt they were trying to collect. as of this date they have n't sent anything and called two times a day both on cell and house  phones, saying they were going to contact my employer as well. I have no idea about this company as XXXX serch reveals nothing. The number they are callinf from is an XXXX
We purchased a home in XX/XX/XXXX for $ XXXX with 10 % down payment so we were forced to open an escrow account and pay PMI - due to mortgage debacle we were not permitted to finance a 80/10/10 loan as we did with our first home - even though we have an excellent credit score. In XX/XX/XXXX we took advantage of an offer by CitiMortgage ( big mistake ) to lower our interest rate. In the process of the paperwork, they " appraised '' ( on paper ) our property far below our purchase price - at $ XXXX I believe is the number cited over the telephone. Our loan amount was $ XXXX. The home was not physically appraised and I never knew they changed the value of our property as I was advised no appraisal necessary and I do not believe I was given a copy of this form as I do not have it with our closing loan docs. I called CitiMortgage several months back to inquire about removing PMI because our house is worth significantly more than we paid. That 's when I was informed that the appraised value is {$290.00} and our loan {$280.00} - so we were a long way off to reaching the 78 % LTV. I was told I could have an appraisal at my expense - fine - I asked if I could use an appraiser of our choice ( because I do n't trust them ) or was I forced to use one of their choosing. They said I could use one of our choosing, as long as they were licensed to perform appraisal in the state HOWEVER - they said they would review the appraisal BUT that the holder of the loan ( XXXX XXXX ) did NOT have to approve our appraisal. I know for a fact that a bank does not loan more $ than the appraised value on a loan and asked several people within CitiMortgage about this including a supervisor and they went silent - they could n't answer my question because they knew I was right. If the appraised value is less than the loan amount, the purchaser must come to close with the additional cash. I then asked for a copy of the supposed appraisal and the representative over the phone said he put the request in and a couple of weeks later, I received a letter from CitiMortgage stating they could not provide and I would have to obtain from a third party ( not surprising - CitiMortgage has always given me the run around-always ). Now they have sold my loan to XXXX XXXX  effective XX/XX/XXXX - I have no idea what 's in store for us now ). Our property tax records are showing the assessed value ( which is always lower than market value ) at $ XXXX for XX/XX/XXXX. Homes in our neighborhood are selling mid 400s as we speak. I would like to know what I can do. I am furious that consumers are held hostage and mortgage companies are allowed to break the law - they refuse to remove the PMI even when LTV is well above 78 %. They continue to raise our payments every year for the escrow account " to create a cushion in our escrow account. '' I 'm tired of them holding our money and us being forced to pay PMI. We have never been late or missed a payment and again our credit score is still over XXXX. Any advice would be much appreciated.
Paypal is holding {$10.00} XXXX from my account they said that they can not release the money and I can not close the account for 90 days. they started that is they right to hold it and i can not do anything about.
Equifax leaked my personal information including, potentially, DOB, social security number, addresses and more. Now my entire credit history is compromised.
After a year of dealing with a debit card fraud case with USAA we have determined we can no longer do business with them and are trying to close our accounts. In early XX/XX/2019 we attempted to close both checking and savings and were told we couldn't because the accounts were in a 'credit only status '. This is outrageous and unacceptable. It has been going on too long and we demand they close the accounts. This institution has already been found guilty of these kind of practices and have paid fines in relation to those class action cases. DO THEY EVER LEARN?
On    XXXX   XXXX   XXXX  ,  I spoke to  2 differ ent representatives about my accounts regarding late payments. I was informed that on these dates my loans were covered by forbearance. However, I was told that even though the dates were covered by forbearance, the company would not remove the late paymemts noted on my credit reports.
I applied to refinance a car loan, but was denied. I have tried to get in touch with them regarding the decision. However, the number listed does not help me or the fragmentation of the process does not solve my problem to understand why I was denied. The simple explanation that it does not benefit me, but does n't refinance benefit the consumer when you are doing well and want to lower your interest rate. I get the sense that they do not want to work with me to help avoid default or a loss in their balance sheet.
Duvera Billing Services is incorrectly reporting a debt in the amount of {$1000.00}. Their records show an account was established on XX/XX/2015 for an Installment Sales Contract loan.Their records show that 13 % of payments were made as they automatically deducted the amounts from checking account after numerous attempts to change payment terms, frequency and amount. I was told I could change the billing frequency and due at any time and then was told nothing could be changed. Upon review of the application and credit report, I determined that the loan was granted because the store fabricated information in the app to get me to qualify for the Installment Sales Contract.  They lied and said I was a manager and changed income amount from what I reported. I saw they misspelled my employer name and lied and said I was a manager when in fact a Host. The store advertises everyone approved because they are adding things to consumer apps to get them qualified for a Installment Sales Contract and are not properly explaining the repayment terms and are doing business unethically. The payments were only made because I they automatically deducted from the account I provided and I hate to put a freeze on the account because they said that I could make new arrangements but kept deducting payments.They need to make sure they are doing business ethically and not lieing to consumers and ruining credit. The collection could have been avoided if I was not lied to about being able to change payment arrangement due dates and frequency.
After loosing my Camera, I call the number on the back on my card. They said my purchase is covered by purchase protection under the " accidental separation '' clause with my Ink card. Chase They said I must file a claim at XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX says under no circumstances are any " accidental separation '' covered.
On XX/XX/2018 I opened a checking account and a saving account at the JPMorgan Chase bank in XXXX XXXX, WI on XXXX XXXX XXXX. I did so in response to a blue card received thru the mail which says Enjoy up to {$500.00} as a new Chase customer. I was to receive {$300.00} for opening a new checking account with a deposit of {$5.00} and a saving account I was to receive {$200.00} with a deposit of {$15000.00}. At the end of my appointment with Chase employee, who set up both accounts and took my check for required amounts, I was informed that accounts were active and bonus monies would not be paid until funds remained in account for 90 days. After waiting the required 90 days I did not see bonuses credited to my account. At end of XX/XX/2018, I still did not see bonus credited so I called to talk to bank representative who opened accounts for me. 
Her voice mail said to leave message which I did. After several days she did not return my call I called to speak to any person at bank. I learned that bank employee was no longer employed by them but they would have supervisor to return my call. After days no one returned my call so I called again. I was told someone would get back to me shortly. No one called. I called again to talk and a teller informed me that since Chase employee had not put a code from the blue card on my account, they could not pay bonus. 
EVEN THOUGH I deposited EXACT amount required by their offer, and their representative ( an account specialist ) takes all info and monies, the Chase Bank does not honor their advertisement. This is because they say THEIR employee did not put code from blue card on the account. 
I called the president of the bank and left message. He chose not to return my call. 
On XX/XX/2018 I personally went into the Chase Bank on XXXX XXXX in XXXX XXXX and closed both accounts. Later I filed complaint with Department of Finance and Banking and Wisconsin Dept of Consumer Protection. 
JP Morgan Chase answer to my complaint was only that the required code was not on account and therefore they could not pay bonus to me. 
This is highly suspect that I put in the exact amount required and left it there for 120 days and now they say I didnt have a coupon. Their employee was given the coupon and she put it in a file in front of me. 
I would like to see the security video of our transaction which would prove that I gave their employee a card. 
If a more reasonable action not is taken with this second complaint, I realize I will have to take Chase Bank to small claims court. JP Morgan Chase needs to give a more satisfactory explanation for their actions.
The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds!XXXXIt is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a deadbeat,  because I refused to allow someone else to cheat me?? <P/>I just finished a call with XXXX. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.
I have been trying to verify my identity on Coinbase in order to sell some of my cryptocurrency. Multiple times I have tried to sell my Ethereum and have not been able to sell as much as I wanted to because Coinbase wants me to further verify my identity. I have provided government issued ID, my name, address, etc already. Where the problem lies is that Coinbase wants me to provide and verify my social security number. Despite trying several variants of my address and name I have never been able to accomplish this! After a few tries I am asked to wait 24 more hours. I have a middle name and I am the third, so perhaps that is where some of the ambiguity comes in, but despite trying several address and name variations nothing ever works. This is particularly distressing because I would like to move my Ethereum holdings into a more safe asset ( dollars ) and watched myself lose significant amounts of money because I was unable to do this. I understand rigorous KYC and AML is necessary but your verification services are non-functional beyond reason.
XXXX reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four credit reporting agencies. This has cost me {$XXXX} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control. 

This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.
My First Issue : I pulled my credit and found this collection on all three credit reports. I have never received any paperwork or a call, from this company, nor do I know what this collection is for. I tried to call the number on my credit and I get voicemail. The account shows the original creditor is for XXXX XXXX XXXX. I have state insurance for my girls and XXXX XXXX/ XXXX XXXX, So I would have never received a bill from this original for anywhere near this amount. I would have like to be billed properly and have a chance to dispute any amount claimed that I owe. 

My Second Issue : This collection company is reporting differently on all three credit reports. For example : on my XXXX, the name of the company or what the account is for does n't come up. It states that is a collection for XXXX. On XXXX XXXX, it reports a completely different company with the same account number and address as on XXXX. On XXXX, is shows the full account. I 'm about to purchase a home, and the mortgage company wants to know why it shows three different companies have the same collection. Because of this incorrect reporting by the collection company, I show that I owe a total of XXXX in collections not the XXXX. I want all of the accounts removed off my credit reports.
I paid the title loan off in full per the claim from Wilshire Consumer Credit XXXX XXXX, 2016 and now rude and very unprofessional argumentative customer service stating I must pay additional {$690.00} to pay in full and get the title back for my truck, I have made several attempts to contact the supervisor however she never returns my call or respond to my letters. I paid the loan back in full {$6200.00} and just want my title free and clear.
On XXXX/XXXX/XXXX I opened and a SECURED self-funded credit card with {$400.00} at a Wells Fargo Bank. I never used the card. I did pay the annual {$25.00} fee. On XXXX/XXXX/XXXX I phoned Wells Fargo and cancelled the card. It was agreed that I had never used the card and had authorized no recurring charges to occur on the card. The balance ( minus the annual fee ) was intact. I was told that it would take 45 to 60 to release my money. I find the 45-60 day delay in refunding me unacceptable as the card was immediately voided and as it was a secured self-funded credit card had no liability to Wells Fargo Bank ever. Wells Fargo 's written terms for holding the the balance states it is " to cover transactions that may be posted to the credit card account after it is closed '' which makes no sense. 

I would appreciate CFPB to investigate this practice at Wells Fargo bank.
XXXX    XXXX   as an account under my name and i do n't know about that account, it is not mine, it is affecting my credit score. I 'm a victim of fraud. On my credit report appears more account that i did n't know about and another phone number that is associated with my social security that is not mine. My phone number is  XXXX .
I paid {$9000.00} out of a   XXXX   to " settle '' a debt. They lied and said it was not settled because I owed {$9200.00}?! I would have given them {$9200.00}. At the time I paid the {$9000.00}! They say something different every time and I foolishly did not get something in writing  1st.
In 2015, I retained California attorney XXXX XXXX who filed a lawsuit against Ocwen Loan Servicing. During pending litigation Ocwen Loan Servicing attorney XXXX XXXX presented a increased loan modification offer that I never applied for increasing the bogus principal balance to {$660000.00} with 2 % interest rate and a shady settlement releasing Ocwen from any liability. I declined the offer then dismissed the lawsuit without prejudice because of all the harassment and threats which was causing me uncontrollable XXXX attacks XXXX XXXX and more health troubles which my doctors will tell the Jury. I filed a Consumer Financial Protection Bureau complaint against Ocwen Loan Servicing. I am wonder if XXXX XXXX will respond to this consumer complaint and either confirm or deny ever sending an email to XXXX XXXX responding to my consumer complaint threatening that if XXXX XXXX files another Consumer Financial Protection Bureau complaint against Ocwen Loan Servicing that all settlement discussion are off the table. Please confirm or deny ever sending this email.
Hello I have direct Deposit to my Netspend card from my job, I was supposed to receive my deposit XX/XX/2018, I technically get paid the XXXX but with what they advertise it will be 2 days faster, here it is XX/XX/2018 and nothing. Still no deposit I called several times yesterday and was provided no information at all, yes my employer sent my money over, I have my paystub with last four of netspend account number, still not there. First time i called they said and hour that was at XXXX XX/XX/2018 by XXXXXXXX XXXX same day I called back cause zi still have not received my money. They told me wait a few more hours. I called again and was told XXXX is having direct deposit issues. All I want to know is where is my money, I have rent to pay bills to pay this is so unfair. My deposit was for {$1000.00} They are not playing fair I couldn't get any time frame when I will have my money They have my money but no answers
I have a collection on my report for a company I do not recognize and on the comment section said purchased by another lender without the name of the previous lender. I received collection calls for a company I do not know. On XXXX the balance for this company is {$1500.00} and on XXXX {$540.00} not even the same amount on XXXX different credit Agency.
I recently submitted a complaint about Prizm Financial ( case # XXXX ). I was in the process of trading in the vehicle I had financed through them and they were all set to finance my new vehicle until they saw my complaint. Yes I had late payments because of my health but the agreement was on the table until they saw my complaint. Well since I traded my vehicle and received financing through another lender, they knew they were being paid off and yet they still reported negatively to the credit bureau. What XXXX!! Do not do business with this lender because their tactics are reprehensible.
I have been a customer of citi cards for some years now, I have paid them on time, and above the minimum amount due., I received XXXX, statement, and paid {$600.00}, I never received XXXX statement, and on XXXX XXXX got a statement for XXXX, with past due charges, and they raised my minimum due to {$990.00} dollars, previous, it had been {$470.00}, When I called customer service, I had to get a supervisor to remove late charges and was told by supervisor that they are not responsible to send a statement out, that it is my responsibility to pay regardless, if I receive a statement or not. they blamed the post office, they said i should have received a call, which i did not! they had an email address that was 2 years old, so i guess i have been paying all along. They employ poor business practices, do n't care about customer, they should be fined for these poor practices. 
I bet i 'm not the only one this has happened to. 
and according to them they have no responsibility but to collect monies,
First Priority Mortgage company has been dragging the process on AFTER it was approved by underwriting, and then asked for more documents, changed what was asked for several times, first a letter regarding a bank account in trust to my son, then when provided changed the request. Most recently yesterday they claimed they went to the IRS requesting a transcript for a XX/XX/XXXXtax return ( rather than asking me for it ), and today promised an answer as to whether or not the loan was finally clear to close ( its been over 2 months and closing deadline is XX/XX/XXXX, so I called the IRS who informed me no one requested or inquired about a transcript from any year. They outright lied.
I made a {$1000.00} deposit at BBVA Compass ATM XXXX, XXXX, Texas, XX/XX/18, at XXXX. Compass debited my account with a {$630.00} auto draft, that is not processed until the XXXX of each month, prior to crediting me with the deposit, which was made first. This resulted in 4 overdraft charges. I spoke with XXXX ( sp ), Compass Bank, on XX/XX/XXXX, but she only agreed to refund 3 of the charges ( stated it was a busy holiday ), which then resulted in another overdraft charge. I spoke with XXXX and then XXXX, both with Compass Bank, on XX/XX/XXXX, requesting that the remaining 2 charges be credited and refunded back to me, but neither agreed. They stated they only could see my deposit was made on XX/XX/XXXX, even though I told them I had my deposit slip reflecting it was made on XX/XX/XXXX, prior to the {$630.00} debit, and then the domino effect. 
I know that BBVA Compass has been penalized previously for these actions.
My original mortgage was with XXXX Mortgage so I had no choice in the use of Green Tree Servicing LLC. The house that was being serviced by GTMS was sold and the closing date was originally set for XXXX/XXXX/2015. I was told by the title company not to make my XXXX payment as this would alter the HUD. The closing was moved to XXXX/XXXX/2015 however as the payoff was being sent via ACH it would reach GTMS prior to the Late phase. I received an unfriendly call from XXXX at GTMS on XXXX/XXXX/2015 indicating I needed to call right away. I did so however of course no XXXX was available so I spoke with XXXX. I explained to XXXX that the closing had happened and the funds from the proceeds for me were posted to my account so I was certain Green Tree had theirs as well. She insisted they did not and indicated that the only way to prevent reporting a late payment ( never been late in the over 20 years ) was to give them my payment information and if they did not receive the pay off by Monday XXXX/XXXX/2015 they would secure a payment. She assured me that if they did they would not. I reviewed the on line account on XXXX/XXXX/2015 and the account was closed and indicated as paid in full so I knew the payoff was received. I called on Friday XXXX/XXXX/2015 simply to make sure. The representative I spoke with rudely told me she could n't help me because there was nothing for her to look up as the account was not active. Okay so no payment should draft on Monday if no account is open. Guess that is not true as GTMS took the over {$1200.00} plus a {$12.00} fee on Monday XXXX/XXXX/2015. I immediately called and was of course given the run around and the hummm not sure why that happened. I was told it would be reversed right away and XXXX took my checking account and routing information to make this happen. I waited a week before calling back only to be told that the funds were in a " no where to post '' account and it would be 30 days prior to their release. Makes no sense. The rep kept saying that they could n't refund money from a closed account well they sure could take it to a closed account. She transferred me to a " supervisor ''. I received said supervisors voicemail and three days later am still waiting for a return call. 
Not appreciative that my money is sitting somewhere unknown to me and that I have no way to get it back. Bad Bad Bad business practice!
I keep on getting calls from EHANCED RECOVERY COMPANY i do not know what debt they are trying to collect