WillisBack/dataset-financial-user-claim huggingface dataset:
I had a schedule closing on my property on XXXX XXXX, 2017, but the buyer wished to close on the XXXX, 2017 instead. Even though this was a day neither me or my realtor could attend closing. I left the state on XXXX XXXX, and was able to sign the closing then. I had a closing date of XXXX XXXX because I was buying another property in Florida, and needed my loan to be closed in the beginning of XXXX, but being promised that the property would be closed on XXXX XXXX, I went ahead and accepted the new closing date. On closing date, XXXX XXXX, the buyer showed up and didnt have all his documents ready, and asked to get a few more days to be able to collect all these. The buyer requested XXXX XXXX, 2017, but it actually didnt close to XXXX XXXX, 2017. And for that to happened I had to pay out of pocket to overnight a document to the closing agent, and this was {$54.00}, I was promised by the buyers loan consultant, XXXX XXXX XXXX NMLS : XXXX phone number XXXX, that I would get reimbursed for this cost. I accepted these conditions because I was also promised that my per diem from the original closing date was going to be paid for during the extra time, plus a {$100.00} gift card. These promises were put into an addendum for my property closing contract. It is now XXXX XXXX, almost three months since closing date, and I still havent received anything from the buyers lending office ( American Liberty Mortgage, XXXX XXXX XXXX XXXX XXXX, CO XXXX ) .Me and my realtor have contacted the office about this and tried to figure out what is going on. They have told both of us that they are taking care of the matter, but they still have not done anything about it. I contacted the owner ( XXXX XXXX phone number XXXX ) on XXXX XXXX for the company and he said that he talked to XXXX XXXX and told him to fix the matter that same day. Nothing was accomplished so we contacted the owner again the day after and told him about our dissatisfaction in his company and employee. We have n't heard anything back since then. They have treated us really unprofessional, and XXXX XXXX has been really rude in emails to my realtor. Something that should have been handled on the closing date of the property, has now been taking almost three months and still have n't been handled. This is outrageous for a loan company, and very bad customer service.
MCA Management company is a collection agency NOT licensed by the IL Department of Professional Regulations attempting to collect a debt I DO NOT owe. I am attaching a screen grab from the IL dept of Professional ref website license look up.
I 've contacted  Navient  regarding my student loans and that it shows I was 120 and 90 days late on paying, which was not the case due to the fact that my student loans are in deferment status. Navient representatives have notified me that these were going to be removed but they are still on my reports, hindering me from credit and other opportunities.
I have been charged over draft fees for transactions that were covered. I called to to them and they explained it was because of transactions that were covered yesterday I explained that has nothing to do with the pending charges that are covered. 
I have took pictures of my account when I was online and talking to the rep at the same time. The supervisor continued to talk in circles and would not refund my {$72.00} for XXXX charges that were covered. They literally just stole my money and and tried to justify it by saying it was the pending charges that were not posted and they were covered too, with the deposit that came in today. I am sick of this bank charging me for fees and moving money around to make money. I was told by a a manager at a local branch that fees were charged based on anticipation, as well I told her that was unfair and unethical and if money is in there to cover transactions then a fee should not be charged. I want my {$72.00} back and I will not be banking with Suntrust anymore. They did n't used to do this and all of a sudden they find a way to always get money from me. Always moving money to get a fee maliciously. This bank needs to be exposed for their repeated theft from my account based on anticipation.
I am filing a compliant on Wells Fargo for their deceptive, abusive and unfair loss mitigation practices. I have attached a formal complete for your review. I pray that Wells Fargo is made to do the right thing by granting me a loan modification.
I leased a  XXXX   XXXX   XXXX  fro m hann financial of N ew Jersey the lease was for 39 months, I decided to give the car back with 8 months left on the lease because my wife and I wanted to get the new  XXXX   XXXX   XXXX  in doing so we made the last 8 payments and gave the car back with only  XXXX  miles on it the car was in very good condition with the exception of a few scratches on the bumper and I believe I small Nickel sized dent in one of the doors, so we went to  XXXX   XXXX   XXXX  in new jersey and leased the new  XXXX  and asked if they would  Handel  the turning in of the  XXXX , and they agreed like I say I satistified the lease left the car with  XXXX   XXXX , we use d hann financial agai n for the new lease on the  XXXX   XXXX  we made another lease with hann for another 39 months for  XXXX  per month, would you not say at this point in time we are loyal and a good customer with hann, well about  one  month after turning in the  XXXX  we get a bill in the mail saying we owe  hann   XXXX  in damages also they say the never got the two sets of keys to the car, I left the keys with the salesman that got the car from I trusted they were in good hands what was I supposed to do babysit the car and the keys until it was picked up, so after getting this letter I called hann and asked them how is this possible that a loyal customer like myself can be charged for such petty noncence and that I had no idea where the keys were I left them with the dealership, they did not want to here about it, they wanted  XXXX  that was the bottom line, I told them your not getting a penny from me and hung up on them, how do I get sued from a company for leasing two cars spending in total almost  XXXX  in  five  years, who does this, they got a judgment against me and froze my checking account for  XXXX  leaving me with no money to pay my bills, I had to pay them  XXXX . To get out of this mess, please I hope you can understand my frustration and talk to these people and find out why they would do such a thing a loyal customer that until this day is still doing business with them in the tune of  XXXX  per month for  39  more months they sue me, come on I find this totally absurd, where is the proof they even fixed or made repairs to this car I have none how do we know they did not resell that car with out even putting a dime into it, even so again who does this, please help me
On XXXX I requested a full refund of {$440.00} from Best Buy for a two year renewal protection plan I purchased on XXXX that was unilaterally cancelled by Best Buy on XXXX ( four days before it was to begin ). Best Buy said Id be emailed an answer to my request in five to seven business days ( Reference XXXX ). Today is the XXXX business day and I did not get the answer I was promised, which is not surprising when you consider the following : *I purchased a laptop two year protection plan ( maintenance, accidental damage and XXXX Tech Support with XXXX ) on XXXX for {$300.00}. 
*I renewed the two year protection plan on XXXX for {$440.00} ( XXXX to XXXX ).
I noticed a total of five fraudulent transactions on my Chase credit card and reported them to Chase as soon as I noticed them on XX/XX/XXXX. Chase bank refuses to take these fraudulent charges off my account. When I opened my credit card with Chase, I was told that I would have zero liability for unauthorized fraudulent transactions that appear on my credit card. This is clearly not the case, as Chase has no problem lying to you to get your business. Below are the fraudulent transactions that appeared on my credit card : XX/XX/XXXX for {$2900.00} XX/XX/XXXX for {$6000.00} XX/XX/XXXX for {$4100.00} XX/XX/XXXX for XXXX XX/XX/XXXX for {$6200.00} for a total of {$19000.00} in unauthorized, fraudulent transactions If you are looking for a credit card, stay away from Chase. They will hold you, the customer, responsible for unauthorized fraudulent transactions on your account.
XX/XX/XXXX   $  XXXX  I called the company and tried to get them to fix this issue and apparently nobody knows how to fix the issue or what the actual issue is.
In XX/XX/XXXX, I paid off the balance on my Bank of America card in an attempt to become debt free.

I was passed in to a Specialist and that person tried to get me to stay and I refused. He then said I see you have another card with $ XX amount on it. We can transfer that balance for you.

I asked him how did he know that and he explained that since I have a card they have access to my report.

Question : is he supposed to use my credit report to cross sell me into maintaining an account that Im trying to close?

I told him to close the account and that I was not interested.

Today,XX/XX/XXXX, I received an email about my account that prompted me to look at the card. When I went online I noticed the account is still open with my same limit!

My wife and I are Military and will be XXXX  soon. We paid off things to clear and restore our credit.

I feel betrayed because I trusted they would do the right thing and its almost 3 months and the limit has been setting on my credit. It is potentially impacting my score
I made a {$270.00} payment to my Walmart credit card on XX/XX/XXXX. They updated my account balance but refuse to update my available credit for 7 to 21 days. The supervisor stated because my payment was larger than previous payments there is a hold on the update of my available credit. Is this legal when they received the funds from my bank on XX/XX/XXXX?
I was notified that my private loans carried through Navient had gone into repayment. I called regarding the repayment because the amount was over 50 % of my income. I informed Navient that I am unable to pay this large amount. I was told that there are no options for repayment, etc. After speaking to a few different people I was told my only option is deferment. I deferred the payments for one year. The interest ballooned and was added to my loan. I 'm confused over two things : 1. Why did my school put me k to loans that offer no benefits my first year of XXXX, and 2. Why do I hear that there are assistance programs for my loan?
It is with great frustration and desperation that I write to you requesting that you please help me out. I have provided several packages of my financial documentation to XXXX XXXX to no success. My loan now is serviced by Rushmore loan management and also to no success. I have provided in the last 2 months two full loan packages with all my updated information from me and my brother who is the co borrower on this loan to Rushmore.
I have provided a package on XXXX/XXXX/2017 and another full package on XXXX/XXXX/2017.
About two years ago our lives became a nightmare, when suddenly we were both Silverado and I left without a job at the same time.. It was then that we began to struggle. Unfortunately we defaulted on our mortgage. However, we immediately contacted XXXX XXXX and advice them of our situation and provided our financial documentation as requested it by them. We immediately began to search for jobs.
Our main interest was to get a job so we can retain our home. These were circumstances beyond our control. All we were requesting was help for a short period of time.. Six months after this horrific situation we found jobs.
We needed a work out plan that will keep us from foreclosing and avoid further delinquencies.
Rushmore has advice that they will not consider our package for we did not presented the package before 37 days of the sale day. Our home has a sale day of XXXX XXXX, 20 17. Please hear me out I need to keep my home.
We both have worked very hard and had never defaulted before..
I am asking that Rushmore allow us a chance to proof them different.
I understand that you will review my complaint expeditiously based on the explanation of my complaint and information provided.
In  XXXX  of  XXXX  I pulled my credit report and found t hat Dept. of  Education/ XXXX  was reporting my account as 90 days pat due in  XXXX . This is inaccurate- even on their own page it shows I only did not pay 1 month and that was deferred  while my income based repayment plan application processed. On the Credit reports it shows the month prior to that month the account is in good standing and the month after is in good standing as well. I first sent a good will letter requesting the information be correctly updated- sent return receipt request via USPS . That was followed up by being informed to log into my account and dispute the information. I did as was asked and approximately 45 days later was notified that the information will be remaining the same, when I called in I was told that they do not report 30 or 60 days late payment and all late payments are reflected as 90 days past due. I stated this wa s unfair and the customer service representative apologized and restated that the information would be remaining the same.   I then contacted the  XXXX  credit bureaus and request the information on the late payment be removed as it was incorrect and sent in the letter to  XXXX .  XXXX  sent notification that they saw this and removed the late payment.   XXXX   and Equifax declined removal and stated the information would remain on my report as their " investigation '' found it to be accurate- even with proof off their own reports showing the month prior to the " 90 day month '' showing account in good standing and the month after showing paid.
Capital Management is calling my cell phone and leaving messages directed to me specifically however they are looking someone else and They give a reference # and phone # to call back. I think it 's really weird and creepy how they got my name and cell phone number. Furthermore they are attempting to collect a debt on someone else but yet are trying to get information out of me as to where this other person is. They are pushy, negative, and advise they will keep calling. Also in the message they said it 's about a light and do n't identify themselves and their initial purpose until I call them.
XX/XX/17 I contacted my bank to do a wire transfer to XXXX. 
The amount of {$10000.00} was wired from my bank ,XXXX XXXX XXXX XXXX XXXX , to XXXX 's bank, XXXX XXXX XXXX . XXXX had to get some more info from me before the deposit into XXXX 's account could be made. I supplied the information and the money was transferred. I waited for it to show up on the site in my account. I called after 5 days support had told me they were backed up and that it would be deposited in my account shortly. I have called them 2 to 3 times a week since then having no luck with them. I have emailed and called asking for my money back to no avail. They emailed me usually after each call i made to assure me the matter was being looked into. Its been over 4 months now it feels like a scam. 
I need help.
I have not had any resolution with this company to prove these medical debts are mine-Now I have new debts being reported from XX/XX/XXXX-XX/XX/XXXX-new dates etc ... .I have always had insurance, so this is inaccurate information. 
They have stated I received notification, but can not prove when, nor show me documentation. 
I have NOT received anything of this nature and they have and several complaints of un fair practices reported. 

I have contacted and found that Under the FDCPA-A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

Debt collectors resurrect old debts in an attempt to make some money. With old debts, there's a good chance the collector doesn't have the original documents proving that you even owe. 
If this is the case I demand these unknown debts to be removed from my report and to no longer be contacted from this company for the amounts of {$620.00}, {$380.00}, {$780.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX, XXXX are the 3 companies that keep showing up on my credit report.
XXXX XXXX account delinquent when it was discharged in CHP XXXX.
I am getting repeated calls from Synchrony Bank ( SP?, phone number XXXX ), regarding an Amazon store card. I do not have any Amazon credit card, I believe the calls are meant for the last person to have my phone number ( I often get calls meant for this person ). The calls from Synchrony are automated, and if I answer, tell me to call them back. When I call their number ( XXXX ) I get an automated system that is only to verify my acct. information ( which I do not have, since I do n't have an account ). After several minutes ( 2-3 ) of failing to verify my ( non-existent ) account information, it says it is transferring me to a customer account representative and then hangs up.
Cach LLC ( Docket # XXXX ) was released in bankruptcy discharge XX/XX/2013. However, they are still reporting a judgement on my credit reports.
I have a private student loan with Wells Fargo. I took it out in XX/XX/XXXX for  {$6500.00}. I have been accused of 2 late payments, which I was unable to disprove, and accused of approximately 8 missing or late payments that I was able to prove their error. At the start of the loan, I have a federal student loan through Wells Fargo ( with a maybe 6 month overlap ). They mis-applied my payments every month and tried to say I did n't pay. Then harassed me on the phone daily even when their records showed I did pay ( I believe there is already a suit for this currently ). <P/>Of course these late claims allowed them to raise my interest rates to 13.5 %. During XXXX-ish, I spoke to them on the phone 1-2x per month as they continued to " misplace '' my money and accuse me of not paying, then the rep on the phone would say, oh - I see. no problem. I 'd confirm that I did not owe anything, and they would say yes - you do n't owe anything. Its been taken care of. Then the next month, another late charge and I would call back. I NEVER miss payments on anything. My credit history proved that. Of course this also hurt my credit for years. <P/>After paying for years, my balance is still XXXX. In my account history there are actually years of the balance going up instead of down. I have tried making double payments ( one to principle ) but they still only apply a portion of it to the principle. I have contacted them repeatedly. <P/>They do n't even have record of me ever having another loan with them, even though I have hard copy statements and certainly paid them for years until I paid off the first loan. When I mention that, they tell me I m wrong and this is the first loan through them. <P/>Last year I got a notice saying in order to help me repay more efficiently, they altered my auto-payment amount. When I checked, they LOWERED my payment amount ( by only $ 3+ ). I called on it, emailed, and tried to raise it back to what I had been paying ( or even more to help ) and they were kind, like always, but nothing was changed. ( this is when I tried to pay an extra chunk to principle again, and they only used {$75.00} of the {$100.00} to principle - note that they had already received their full payment which should have paid their interest/fees for the month. ) I have paid thousands of dollars ( approx. {$1500.00} per year ) on this loan and I still owe over {$1500.00} MORE than when I started, years ago.
Transunion is listing a credit collection account ( XXXX XXXX - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with Transunion explaining to them that this collection account does not belong to me. Transunion sent me a response and said that they verified it does belong to me and I would need to contact XXXX XXXX directly if I disagreed with their decision. So I wrote XXXX XXXX a letter and told them they were listing a collection account that does not belong to me. I asked XXXX XXXX to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from XXXX XXXX. Since XXXX XXXX can not validate this alleged debt, Transunion needs to delete it from my credit report.
XXXX XXXX hired debt collector to file a law suit against me regarding my credit card debt. The debt Collector got a judgement against me to collect property, wages, bank accounts etc. i became aware of this because my bank funds were gone today XXXX/XXXX/16 The attorney general in XXXX states and XXXX filed a case against XXXX for these unfair practices and won the case last year. The debt collector XXXX hired has n't stopped their unfair collection practices eventhough case against XXXX has been won and XXXX is not abiding by the settlement agreement/order against them as they havent stopped this debt collector. I called the attorney that seized my bank account and they claim to be unaware of the case against XXXX nor to desist collection for XXXX. I told them i was filing a claim at the attorney general because of the lawsuit against XXXX snd the attorneys secretary said to go ahead. 
i have been harrassed by them in numerous ways in the past with phone calls and people waiting for me outside my house during the time i was getting XXXX and had to be XXXX at home. 
The amount claimed due to XXXX was never properly verified by XXXX nor rid XXXX notified me that the debt was being sold. 
I got into a situation of not being able pay XXXX due to their predatory interest increase. I was dealing with battling XXXX, then unemployment and divorce. My home is being foreclosed on too. At some point i remember informing XXXX i was going to file bankruptcy.
I filed chapter XXXX bankruptcy in XX/XX/XXXX case no. XXXX. I have made multiple requests/disputes to both XXXX and AAFES to update my credit reports to show that the account is included in bankruptcy. Although both companies received regular payments from the bankruptcy trustee, they continue to show my account status as a Charge Off and do not report the accounts as included in my Chapter XXXX plan, which will be discharged soon. AAFES even re-dated my account to make it appear it was charged off in XX/XX/XXXX with no status change to reflect that account is part of my chapter XXXX plan.
Carter-Young, Inc.XXXX, GA XXXX, Local : XXXX Toll Free : XXXX My minor child and I were in an XXXX accident in XXXX of 2012. We have an attorney. The attorney notified all of the medical companies. Carter-Young, Inc filed a collection notice on my credit. I called Carter-Young, Inc. and explained their mistake. XXXX XXXX gave my son 's name and birth date and specifically told me she was attempting to collect on debt on my minor child. Using the words " minor child. '' When I explained that to her that that is against the Federal Trade Act she got upset. I gave her the attorney information. She said she would call the attorney. I asked her six times when they were going to remove the collection notice. She did not respond to me. She hung up on me. 
I have never received any notice in writing from this company that they were attempting to collect a debt. I have never received a phone call from this company that they were attempting to collect a debt. I did not give them my current address and XXXX XXXX did not attempt to verify my mailing address, email address or telephone number.
I was shocked when I reviewed my credit report and found late payment on the dates below : [ Late Payments ] 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 60 days late as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I believed that the account was in auto pay that was coming out of my account automatically.