WillisBack/dataset-financial-user-claim huggingface dataset:
I had a forbearance for years due to not working and being a single mom and they put me in collection because I ran out of times for forbearance. Then I got a job and they told me I had to pay XXXX a month and I told them there was no way I could afford that. They told me there was no way to lower that amount that 's all they could offer me. So again I did n't pay so I was affected with my credit then I finally kept calling and researching trying to pay something and they said I might qualify for a lower payment but they are n't sure so I had to fill out all this paperwork to see if I could get my payment down to XXXX dollars a month which is where I am now except it 's only good for six months then it will go back to XXXX a month which I ca n't afford to pay so I will be back to square XXXX. My loans were {$9000.00} when I graduated in 1999 now they are XXXX. Everytime I pay my payments every month which I have been on time every month it does n't even make a dent in the balance. This is for business school at XXXX college where I graduated
Today, when I called Pinnacle Credit Services, they do not want to talk about the debt, but they transfer me to a new collection agency company. 
When I call XXXX, their answer is simple : " XXXX '' has no more your account, and your account is closed, if you have any questions, call the Pinnacle Credit Services. And so every day, the problem is just running in circles
Ok I seen some information that I never used or did I think someone using my information and making my credit bad identity theft
I received an offer for an AE gold card that if I spent {$1000.00} in 90 days I would get an AE gift card for {$250.00}. a few weeks later I received another offer from AE for a green card with the same offer. When I called in to open the account the person saw that I already had a gold card and asked why I wanted another account and I said because you are offering me another {$250.00} and he opened the account. I received the {$250.00} for the gold card but NOT for the green card! They said that I did not have enough points, that is NOT the way the letter offering the promotion or the person taking my application said to me. I spent the money they asked me to spend and now they are not honoring their promotion.
I keep getting letters from Midland Credit Management for debts that ARE NOT mine. How do I get them to stop harassing me?
Yesterday XX/XX/XXXX I went into purchase from Lowe 's and was told my line was decreased by {$5000.00} mind you, I have been with this company since 2000 and have paid in full many times never ever going 30 days past due, so i called as i was in the store and was told by a woman in another area of the world that i could request credit increase missing my point entirely. Then was transferred to a supervisor who had no clue really what my complaint was just to say it was my score that they determined and was made on XX/XX/XXXX after explaining my issue that I have been with them for over 18 years I was told there was nothing he could do ... and was he very basic, monatone not understanding SO i then asked for another supervisor and was told that he could not do anything except escalate what i just told the the last supervisor which makes no sense, do they even understand what i was asking for? I know for a fact that credit companies can make decisions to turn the line back on, extend and reinstate just like that. I do NOT believe that they can just pass the buck and act like I am nothing after paying over {$50000.00} + to them- I guess what I am saying is if goes by credit do they not look at the history with them on my credit? I will be taking my business elsewhere.
URGENT - Sheriff Sale on XXXX XXXX, 2015Hi. Wells, Fargo Home Mortgage commits fraud. 
I was working on a loan modification and sent in all my paperwork on XXXX XXXX, 2015. 
I was just called two weeks ago and told that my modification was denied because my mortgage was over {$720000.00} ( they knew it was XXXX when I did my documentation XX/XX/XXXX XXXX. I called and then Wells, Fargo XXXX XXXX XXXX XXXX said I was denied because I did not send in a profit and loss on my real estate company. 
I do n't have a real estate company and never received a letter or call on it. 
Then, I was sent a letter saying I was denied because I did not respond to them. 
I did call!!! Now, I get a letter stating that I am under a sheriff sale and sorry " we have not heard from you and there is not enough time for mortgage assistance prior to the sale '' XXXX. This is a lie, they can postpone the sale any time they want to postpone it. 
I just got another letter saying that Wells, Fargo is investigating my last CFPB, and will get back to me XX/XX/XXXX - THIS IS THE DATE OF MY SHERIFF SALE!!!!! 
PLEASE HELP ME. I have written to the OCC, FDIC, FBI, Wells, Fargo Senior Mgt. as well. THIS IS FRAUD.
I was checking my credit report and I realesed this agency claims I have an account with XXXX and I owe them {$370.00} even though this debt is n't mine and I have not been contacted by this company about said bill. my credit is starting to decline and it is crippling my chances on finding employment
XX/XX/16 I sent certified letter to this company requesting validation of this debt and the letter was returned to me - no mail receptacle unable to forward
I opened a bank account with PEDFED with intentions of building a relationship.I applied for a credit card during the process, I WAS APPROVED!!! for a XXXX Credit Line. I was then asked to send in proof of income, I did it was accepted. the customer service rep indicated that my income was high and they get a lot of fraud from XXXX XXXX. I waited 10 days the card never came. I called and I was told that the loan processor wanted to speak with me, I called back and I wasn't able to speak to the loan processor, but the The rep told me they wanted to verify my job, they pretended to call my job, never spoke to me, the guy name XXXX XXXX left a message from XXXX, I'm guessing he wanted to find out my race. I called XXXX back and never got him on the phone, the CSR told me that everything was find and they were sending the card via XXXX. I believed him, and waited a few more days and nothing came. I called back and I was told it was denied. I was shocked because it was already approved, that's not how it works. banks don't lie to their customers. So I wrote a letter asking to reconsider my request which was odd because this bank did everything possible not to honor my approval and then lied multiple times, sent out false letters of the reason. 

I wrote : I was told twice that I was approved. I was told the card was sent out to me via XXXX XXXX yesterday I sent in my check stubs almost 2 weeks ago. I am gainfully employed earning a great income this year with no long-term debt. I was told someone from PenFed called my job and hung up, they have caller ID. I am requesting your reconsideration of the original credit line I was approved for, I have similar credit limits rarely used, My creditworthiness is not the issue. The letter has the wrong information. I am employed and I sent you proof of income. 

I was then told via email to send in my taxes, I said OK but before I could do that I was treated like a criminal, I was told they really didn't want to see my taxes and that they have decided based on my ethnicity and location that they will continue to not honor my approval. Attached is them doing everything not to honor my approval.
In XXXX 2015, I had a broken water line under my sink, which flooded my kitchen. I opened a claim with my insurance company, but due to the amount of the damage, was required by my servicer, PennyMac Loan Services LLC, to sign over the loss draft to them to be placed in a " restricted escrow account, '' and they would disburse the funds in stages throughout the completion of the work. My mortgage balance is approximately {$87000.00}, my property value is approximately {$550000.00}, and the loss draft totaled approximately {$12000.00}. I have never been late on a payment. From the very beginning, PennyMac gave inconsistent and incomplete directions on what steps I needed to take to receive disbursements ; at every conversation with their representatives, I got different requirements ; or upon providing the requested documents, PennyMac would add a new and additional requirement. At one point I was even told that in order to disburse a portion of the funds, I would be required to have an additional inspection ( at my cost ) to certify the refrigerator and washer/dryer were plugged back in and functioning! Their behavior in the loss draft department is unfair, abusive and deceptive at every turn.
I had been in talks, both over the phone and through email, with XXXX XXXX from Quicken Loans. XXXX pulled my credit without my permission or without permissible purpose. I spoke with several people in the chain of command and eventually I received an email stating that they did in fact pull my credit without permission or permissible purpose.
I had several issues over the past years that had caused me to become delinquent with my mortgage account, at one time, I used to travel for work and had to rely on my own funds to travel and my company was not very punctual with replacement payments which caused me to become delinquent on my account, then I had medical issues which, again, caused me to become late with payments. I have since become current on my mortgage, after a loan modification, and have remained current since.
I received a loan from ECSI under XXXX University initially in XXXX. I attended XXXX XXXX XXXX XXXX, Il from XXXX. I made payments of {$80.00} in school as I was able to do. As of XXXX, I made payments every month minus 2 months when billing issues with my debit account occurred. As of XXXX, my bill states that my account was current. As of XXXX, I received a bill that stated I was delinquent in my payments and was charged a XXXX late fee. I have continued to be charged a late fee of XXXX per month despite my automatic ACH payment of $ XXXX/month since XXXX. Additionally, no representative can explain to me how my account is 18 months delinquent and continues to be more and more delinquent although I continue to make payments. This has prevented me from allowing to list this account for loan repayment because it is delinquent although I make monthly payments higher than the required amount, monthly. Each time I ask for an answer, I am referred back to my school who does not hold this information. Lastly, if more of my payments were charged toward my principle each month, I would not be delinquent, I have been told that this is not an option, when, in the past, this was an option with paper statements.
My loan was sold to a new company : Rushmore Loan Services in XXXX. This company has harrassed me every month for being " Late '' when I was still within the allowed grace period. Recently at their suggestion I tried to set up automatic payments - to happen right before the deadline, but they still sent me a statement saying I had not paid and that I should contact HUD for credit counseling. I feel they are harassing me to force me to pay by the due date, which I 'm sure they would prefer, but is not always possible for me, due to when I collect rents on this property. In using their online bill pay system something went wrong and the payment did not go. I am concerned that they have reported this to credit bureaus, even though it has been paid in full after I discovered the problem.
I recently discovered a questionable item on my credit report, which had been paid by my mortgage company before as a financing condition. I went ahead and asked this company to validate the account under the FDCPA. The company failed to provide me with any validation of the account and persevered with reporting the account on my credit report and even verified the account as a valid account instead of reporting it as a " disputed account '' as required by the FDCPA
It has been brought to my attention that a recent American Express representative whom I 've spoken to over the telephone may have attempted to retaliate against me for explaining to them that I refuse to speak to non-English speaking individuals when dealing with my Creditor. I 've noticed an increase in Spam since that day I spoke with this individual, giving me reason to believe that he and/or multiple individuals at American Express may have given out my email address ( in retaliation against me for expressing my feelings ), which is a clear violation of their privacy policy. This is unacceptable. I have a zero-tolerance policy with any organization I 'm doing business with where representatives feel the need to attack customers based on opinion. 

Given the serious nature of this event, I 'm also going to be forwarding this complaint over to the NSA so  they can understand and prevent American Express from allowing their staff to mishandle confidential customer information, at the behest of an incompetent and uncooperative American Express employee. 

Please respond to this complaint by providing your Privacy Policy as it stands today, and also provide a reason as to why American Express staff have been attempting to go against the rules of Security and maintaining Confidentiality.
on statement..no date on when maild payment due XX/XX/XXXXpaid through automatic payment through my bank how many days in this billing cycle? 
why are the number of days in cycle not stated on billing statement? 
accrued interest statement.. {$67.00} how much interest did really pay on this months payment? 
if different than XXXX..why is this not disclosed on statement? 
how much did i pay toward principle? 
what is pay off amt? 
if i pay off total amt next month,,, how much would i have to pay? 
i 've made XXXX payments..how many more do i have. 
how are you connected to XXXX XXXX in XXXX? .when i have asked to speak to president that 's where they direct me
On XX/XX/XXXX, the XXXX XXXX apartment complex in XXXX, Arizona, was contacted by my boyfriend ( who was co-resident of XXXX XXXX, apartment number XXXX ) to dispute charges that were billed to us and were not appropriate. ( XXXX XXXX stated we owed {$190.00} for a smoke smell, a broken light bulb, and miscellaneous utility fees. We contact them to dispute these charges and have the bill reassessed. My boyfriend nor I smoke. Some of our neighbors do and the smoke smell would travel through the vents from time to time into our apartment. The broken light bulb is something they would have fixed for free if we requested it, however, we didnt even know about it. Im unsure how we could have been charged utility fees if we had already vacated the property by the time this bill was sent to us. ) The email my boyfriend sent was immediately dismissed with a reply that said another person would be the one to contact. This other person replied that she would forward our inquiry to the Assistant Manager of XXXX XXXX. We were under the impression this matter would be reviewed and we were awaiting a response, as well as a recalculation of the bill to equal {$0.00}. However, we never received a response and we were not contacted in any other way by XXXX XXXX after that email from this other person ( sent XX/XX/XXXX ). 

XXXX XXXX has sent these fees to a collection office with only my name on it, and with my boyfriends private residential address. ( I dont know if this is worth mentioning, but it seems strange to me : We were both on the lease at XXXX XXXX, but the debt is only assigned to me. Moreover, I provided an official change of address to the USPS on XX/XX/XXXX. That address is different from my boyfriends private address. ) The collection company is called National Credit Systems , Inc . I emailed them on XX/XX/XXXX to indicate I have received their letter ( although I received it late because it was not sent to the correct address as stated above ). I also explained to them the lack of communication with XXXX XXXX and how we were awaiting a reply to our inquiry and reassessment of the bill. Today is XX/XX/XXXX and I have not received an acknowledgement of any kind from the collection office nor XXXX XXXX who I CCd on the email. All emails are attached to this complaint. 

Furthermore, an amount of {$150.00} was taken out of my account on XX/XX/XXXX for a cleaning fee. ( However, the details on the transaction do not have my name on it, which is another odd thingmy boyfriends name is on it. It was my check that I presented at the time of paying for this fee. ) It should be noted that I willingly paid this fee because I was told it would be the best option to avoid any other fees upon moving out. However, that is obviously not the case. 

There are also other people who have left comments about being charged fees unfairly on XXXX reviews under the XXXX XXXX company profile. I have no way of contacting them, due to some restrictions from XXXX, to ask for advice on how to handle this matter. 

I hope there can be a resolution to this. 

Thank you.
Several months ago I received a phone call from a collection agency on behalf of XXXX XXXX XXXX  to collect an outstanding cell phone bill. I requested a breakdown of charges because I felt I was being over charged. The collection agency tried to correspond with XXXX XXXX XXXX  and never got a response so they released the debt. I never received any correspondence from XXXX XXXX XXXX  or debt collection agency after that. Until, upon checking my credit report saw that it had been reported as derogatory by this new debt agency Diversified Consultants. I found their contact info online and contacted them, as well as XXXX XXXX XXXX, only to find out the reason I never was contacted by diversified is because they had the wrong mailing address. They assumed I was not going to respond to them so they reported me as derogatory to the credit agencies. I explained to them that it would be impossible to pay them not knowing who was holding the debt. Its unfair that I only find out because it is on my credit report. Both diversified and XXXX XXXX XXXX refused to accept responsibility that they both had incorrect mailing information.
I received a message on my XXXX account saying I was pre-qualified for this card. I received a hard pull on my credit report, which resulted in my credit score dropping several points. I was denied, DESPITE the link saying I was pre-qualified. I would NEVER have applied for this credit card if it had n't told me I was pre-qualified, because I do not like getting hard pulls that lower my credit score only to be denied.
NationStar foreclosed on the XXXX 's property located at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. NationStar vastly inflated the amount that was allegedly owed to deprived the XXXX 's of the surplus funds that should have been available after the foreclosure. NationStar then failed to respond to a Qualified Written Request that was sent to them to validate the debt and establish the true delinquency.
After going through several iterations of filing disputes and uploading supporting documentation in order to remove all mistaken references appearing on my Equifax Credit Report ( related to a closed home equity line of credit account with XXXX XXXX-see attached dispute resolution ) I am convinced that the record in my Equifax Credit File has corrupted data that can not be updated properly as directed by XXXX XXXX to Equifax. The dispute resolution clearly states, " The results are : The date closedhas been updated. This account has been updated. Additional information has been provided from the original source regarding this item. '' However, when viewing my credit report ( or talking to an Equifax rep on the phone who is looking at the record on their system ) it is clear that the closed date field is still empty and all references to the Chapter XXXX Bankruptcy have not been removed as directed by the lender. Only the comment reference to " re-investigation in process '' has been removed. Therefore, either the system can not change the data due to corrupted data or the person performing the task is incompetent. Being that the other XXXX credit reporting agencies are reporting the same account properly from the same reporting info received from XXXX XXXX, it is obvious that Equifax is to blame for this mistake.
I recently placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me. I have pulled my credit report and noticed that there are inquiries on my report that I did not authorize nor was I notified that my credit was being pulled and this action violates my consumer rights. I have reached out to all three  credit bureaus numerous times about this situation to notify them that my credit was pulled without my authorization. These inquiries are fraudulent inquiries and should be removed from my report. I have not received a proper response from neither of the credit bureaus from my disputes about this matter. Only a letter stating their " definition '' of an inquiry, but no factual evidence that these were a result of my actions or that i called before the credit was being accessed. Please remove these inquiries from all 3 of my reports. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX
I have been fighting with the  XXXX , Transunion and  XXXX  to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of th  e ledger where it shows we had a huge credit balance.
No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that this money   is owed.
I called numerous times today XXXX/XXXX/2017 to request to speak to a supervisor, but I guess you all do n't properly train your employees on the FDCPA Law because they answer the line with out ID themselves and then hang up debtors who calling in to pay on their accounts. After finally speaking to supervisor by the name of XXXX XXXX? I explain to him what I am calling to resolve my account and ask what can he offer as a settlement offer, then he ask me what can I offer, then I ask him again what can he offer, then he went out to explain how I was argumentative with the pervious representative, but I inform him if someone ask you a question, it rude to turn around as ask them the same questions that 's how conversation become argumentative but I guess since I 'm the debtor I am not smart and cant comprehend. You all do n't owed the debt which means that when some gives and offer you all suppose to take it and pass on to your client but XXXX told me to send it in written and its okay to send it through the BBB.org. I and offering to pay nothing since you all accuse me of being argumentative when I called and ask a question and all the rep did was ask me the same question I ask and then accuse me of being argumentative. you all are in violation of the FDCPA and I am requesting for you all to pay the bill for me and I need to speak with the CEO of XXXX and or President and laugh if you want to.
I WAS CHARGED FOR TRANSACTIONS THAT I DID NOT MAKE OR AUTHORIZE AT ALL. THIS WAS ALL DONE THROUGH MY XXXX XXXX   ACCOUNT. I REACHED OUT TO THEM BACK WHEN THIS HAPPEN AND THEY DID NOTHING FOR ME. SO WHEN I RECENTLY CONTACTED THEM AGAIN WITH MY FRIEND THEY SAID THAT THE CHARGES WERE TOO OLD AND THEY COULDNT HELP ME. THIS MONEY WAS STOLEN FROM MY ACCOUNT AND THE CREDIT CARD REP TALKED TO ME SO RUDE AND MEAN TELLING ME IM TOO OLD TO REMEMBER AND I DID MAKE THIS CHARGE AND JUST BEING NASTY TO ME. IM XXXX AND THIS IS SO UPSETTING TO ME. PLEASE HELP ME. I WILL LIST ALL THE CHARGES THAT WERE MADE ON MY ACCOUNT. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP ME GET MY MONEY BACK