WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by XXXX XXXX XXXX about the refinancing of my home and during this phone conversation trying to get me to refinance with this company i was told that I could cash out {$500.00} dollars and it would only raise my payments approximately {$5.00} a month. I was also given a payment amount and I then stated for them to make sure that it was correct because I pay both city & county taxes and for them to figure them correctly to get my payment correctly. When I received the info of the payment it was raised over {$50.00} which I excepted since I was going from an adjustable loan to a fixed mortgage. I explained that I was at their mercy because I do n't understand all of this stuff. Then when all was completed, I attempted to contact these people that I dealt with and they would n't answer, return calls, or emails. I then contacted the manager and he stated that the employee made a mistake and said that that it was coming from my escrow that I paid to the other mortgage company on previous loan. I explained that is already money that I was getting back and they did n't know how much that I paid in escrow Plus that it was discussed about it raising my payment to get this money. The manager then told me that it was n't an unreasonable amount so he will email the VP immediately and get back with me 2 days later on Thursday and he did n't. He then would n't answer calls from me and I sent him a email that he did n't respond to as well. I contacted someone else which they emailed the manager and he finally contacted me back and told me they were not going to honor what I was told because they said that I got a refund from my previous mortgage lender. I explained again that has nothing to do with what was discussed and that they had no idea what I had in escrow during this time of trying to sell me this loan. I also told him that these type of lending practices are not ethical of promising stuff to get me to buy a loan from them and then not honoring what they stated during these recorded conversations after I sign loan agreement was n't good lending practices and that I would report this!
I am having a serious problem with Citibank Universal Card. I had settled my debt with them through XXXX XXXX XXXX 5 years ago. They brought a civil case against me about it. I sent them proof that XXXX XXXX XXXX paid them but the case has not been dropped. So either they have my money or XXXX XXXX XXXX kept my money and lied to me. Either way I thought this was resolved 5 years ago and should not be brought to court over it. I have not worked in 15 years, have multiple medical problems, and am supported financially by my family so this is ridiculous and unfair. Citibank stated that they did not know of the settlement but is suppose to be looking into it now. I plan to review them anywhere possible due to this horrible treatment. 
This is a copy of the proof sent:  the email from XX/XX/XXXX from XXXX XXXX -----Original Message----- From: XXXX To: XXXX Sent: XX/XX/XXXX XXXX XXXX
Subject: Welcome to the Program

Hello XXXX,

I would like to confirm that we have received your signed consent and sent your settlement payment to AT&T Universal Card on your behalf.  This debt is now completely settled and we can move on to other debts that you may owe. 
As stated before thanks to our diligent work and your monthly deposits to your account with us we were able to settle with AT&T Universal Card for XXXX dollars. The payment was received by them on XX/XX/XXXX and this ends your debt with them. Congratulations and we will continue to settle with companies on your behalf.

We will continue to withdraw monthly debits of $XXXX every XXXX of each month for additional debts into our XXXX XXXX account that may need to be settled in the future. 
 
My email address is XXXX  My normal business hours are from XXXX to XXXX central time, so please feel free to contact me if you have any questions.  I look forward to working with you on other accounts!

Thank you!
 
Sincerely, 
XXXX XXXX XXXX XXXX
A company Financial Credit Network bought a debt from XXXX XXXX stating I owe {$120.00} on services that I did not render. I will fax over my police Report with a this complaint by fax.
Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( XXXX XXXX Equifax and XXXX XXXX. 

On XXXX XXXX, XXXX I called XXXX to have verbiage remarks removed from XXXX and hours latter my credit score dropped XXXX points. I called XXXX back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that Equifax and XXXX remove the same verbiage from my closed account with XXXX and 4 days later my Equifax score dropped XXXX points. I am assuming XXXX is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.
called at work on the following days. They were informed on XX/XX/XXXX to not call me at work XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Credence Resource Management, LLC. violated the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and North Carolina Debt Collection Practices Act by its failure to identify itself as required by said statutes during its communications addressed to me on XXXX XXXX, 2015 and XXXX XXXX, 2015. 

Fair Debt Collection Practices Act 807. False or misleading representations [ 15 USC 1692e ] ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

North Carolina Debt Collection Practices Act 75 54. Deceptive representation. 
( 2 ) Failing to disclose in all communications attempting to collect a debt that the purpose of such communication is to collect a debt. 

North Carolina Collection Agency Act 58 70 110. Deceptive representation. 
( 2 ) Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector ; provided, however, that this subdivision does not apply to a formal pleading made in connection with legal action ; ( 7 ) Falsely representing the status or true nature of the services rendered by the collection agency or its business.
I took out a {$300.00} loan with Green Trust Cash, not realizing the heavy load it would burden me, but also coming to realize these loan are illegal in the state I work ( XXXX ) and the state I reside ( XXXX ). I have to this date paid back a total of {$860.00}. The total interest on the loan is 669.75 %. I have written to the company revoking them from taking ACH debits from my account. They acknowledged they would stop taking the debits, but want me to pay off the balance. I am unable to keep drowning in this illegal loan.
XXXX XXXX XXXX has reported a collections of {$1300.00} to my credit. XXXX XXXX bought this from XXXX. While I was working to pay XXXX, XXXX XXXX listed this without my knowledge on my credit report. I contacted XXXX XXXX in XX/XX/XXXX for validation of debt and was told one was sent. I have emailed them  twice in XX/XX/XXXX for debt validation to resolve this. I have not received an answer or letter yet. When i call they are closed.
Applied for XXXX via web in XXXX a representative contacted me via phone once app was received .he went over loan and terms .before accepting the loan in which I applied for XXXX I asked the representative several time that since I was planning to pay off in XXXX would my balance be XXXX which would be the remaining since I paid for 7 months starting in XXXX he stated yes no interest for a year and I would only pay back the amount left from what was borrowed. I noticed on my credit report it states my credit is XXXX and on the XXXX  website I owe almost XXXX with only {$14.00} out of the XXXX going to interest. I contacted office in XXXX requesting call be pulled to honor what I was told I was told a supervisor would call back but he not sure when. Several days later I received a call unfortunately I missed the call due to being at work when I called back I was told I had to put in a request and they would call back within 24-48 hours as of today and it has been almost two weeks I have not  received a phone call to resolve matter I wouldve looked into someone else for loan if I knew my information given to me was inaccurate
Greetings, My complaint is that " Wells Fargo Bank '' has been over drafting my personal checking account from time I opened it in XXXX in XX/XX/XXXX until XX/XX/XXXX, After 2 - 3 years I transferred my accounts to XXXX, Yet each Month they targeted me due to having a low account balance and found a way to " Over Draft '' me ... .Finally it got to be too much for me and they closed my account for none payment, Paying my over drafts each month I still managed to open a business checking account along with a secured business credit card with a {$500.00}. limit, Eventually from receiving too many over drafts It got to be too much and they closed my business checking account, After numerous complaints Wells Fargo gave me credit on my accounts XXXX out balance before closing them, Shortly after providing me with a {$67.00} balance on my secured business credit card, Within 6 weeks without using it they also closed that account leaving me with a fictitious balance saying I took out a XXXX for {$5.00}, My goal is to reach out to all Advocates, Publicity, Consumer Affairs, XXXX who are familiar with Wells Fargo 's cruel practices, O.C.C. and many more, But I will be filing Court proceedings this morning to the Executive & Corporate Bank Office of Wells Fargo in XXXX XXXX ( XXXX Hours away ) all being done EMMEDIATELY Thru the Grace of XXXX!!!
I was informed by my new direct lender per the credit report he received that the previous mortgage company ( Financial Equities ) had pulled by credit 36 times with at least 3 hard inquiries since XXXX 2017 resulting in damage to my credit report and score. I did not authorize all of these separate pulls and feel this was done so inappropriately.
I 'm XXXX years old and just did my first real credit report and discovered a {$590.00} collections on my record from a joint bank account I opened with my parents with XXXX XXXX XXXX XXXX when I was XXXX. I do n't talk to my parents anymore, nor do I bank with XXXX XXXX XXXX XXXX, so this was complete news to me. I have never been contacted about it and have no idea when it is from or why it is. 

Since Monday I have tried to contact the collections agency it is under, " The Best Service Company '' for a validation letter to understand it, and all of the phone calls end up being on hold for more than thirty minutes to the point where I can no longer wait because of my life getting in the way, and the website gives me a " Fatal error : Class 'Mail ' not found in XXXX on line XXXX '' when I try to fill out their form to get them to contact me. I have tried contacting them eight times since Monday and so far nothing besides getting bounced around and the error message on the website. I would really like to get this issue resolved because the nearly {$600.00} outstanding debt is obviously a bad mark on my credit report.
ACE CASH EXPRESS had a 3rd party collection agency call me and are saying they are going to take legal action against me and sue me. Some guy also called saying he was coming to my house to serve me papers. Apperently i owe {$2500.00} or I will be sued for {$6500.00}. Just seeing if this is legal and not fraud. Please Help!
This is an account that my ex-husband racked up. He was supposed to pay this and did n't. Now, my current husband and I are applying for a mortgage. My husband is willing to pay this off but needs to have it removed from the credit report. They said they wo n't do that and that I can request the credit bureau to do that ( false ). 
While on the phone with them, they repeatedly tried to get information out of my husband ( name, address, etc. ). They threatened to keep calling until the debt was paid and the person was very rude. She had a very bad attitude. In my opinion, I should n't be treated like that if I am trying to pay the debt.
I complained befor about mortgage co sps, inc.they are now harassing me even more for more money. I have made all payments on XXXX of each month for last 4 years to XXXX WHO TRANSFERED ME TO XXXX WHO SENT ME TO SPS.NO ONE IS HELPING MY WIFE AND I. I ALSO HAVE HAD XXXX AND GET HANG UP CALLS AT XXXX EACH DAY. XXXX is misinforming sps about my account sps lied said everything was ok when XXXX XXXX called and assured us .then we got letters of foreclosure and that we owed more money and adding a XXXX late fee each time HELPPPPPP
I was contacted by Doan Solutions by a guy names XXXX XXXX. As of the date XX/XX/XXXX I have paid {$450.00} to have my loans consolidated by this third party that seemed to know how to get me into a forgiveness program with fed loan. For the last month of XX/XX/XXXX I had an automatic payment set in place for XXXX $ to be taking every Friday up until past XX/XX/XXXX. I was told by XXXX XXXX Agents that I could have did the processing myself free of charge. All services are free of charge through XXXX XXXX & Department of education through the XXXX   college I went too. ( XXXX XXXX College ) I dont know how they came across my information but they got enough money from me for services that are free. XXXX told me that the total amount to get my loans out of default & into a payment plan it would be a total amount of {$690.00}. I have stopped making any further payments from this third party but would like my money back.
I have sent multiple complaints about this false account on my credit report from XXXX XXXX. I have requested proof of this account and I am told by the company that they can not provide any proof to me because it was done online, HOWEVER, they can see the application and dates and receipts. All of that information and I can not get proof. Also, he states that the account was sold to XXXX XXXX and I have not received a contact for the exact company they sold it to, since XXXX XXXX has multiple locations.
On XXXX XXXX, 2016 I contact the Barclaycard customer service as my payment from XXXX XXXX XXXX was rejected and I was being charged service fees. I offered proof from XXXX XXXX that payment was sent and rejected. Customer service representative advised that charges would be reversed and at that time I paid outstanding balance in full. On my next statement the fees where still accessed along with extra interest charges. I again contacted their customer service on XXXX XXXX, 2016. This time they closed my account and were suppose to credit my account for about {$44.00} in cash rewards. I paid my outstanding balance in full and Barclay has not credited my rewards cash and have continually assessed late fees and interest charges despite me disputing theses charges in writing to Barclay.
On XXXX XXXX, 2017 I sent a certified letter to Experian, XXXX, and XXXX on behalf of myself and my husband regarding a Bankruptcy listed on our accounts. Per the FCRA 623 ( a ) ( 5 ) requesting validation with the original creditor. I have contacted the Bankruptcy courts and requested policy information regarding the validation of the Bankruptcy court records, as the information appearing on our files is inaccurate and inconsistent. Per the Bankruptcy court they have not only not received any requests to validate this information, they do not validate this information and they only provide the case number and name on a bankruptcy. As such there is another couple within the same county we live with the same names as my husband and I and our information is frequently confused when we have gone to assess our personal property and have received mail for the other couple from the Tax assessors office in the past. I have requested copies of the documentation used to validate this information and it has been returned to me again as verified without providing documentation. Per the FCRA 609 ( a ) ( 1 ) ( a ) I am now turning to you for assistance in this matter. And request that unless physical verification can be provided to me all information obtained in these listings which is inaccurate, inconsistent and erroneous be removed from our credit files. Instead, I am in receipt of letters stating that unless I provide new information to support my claim they will not be re investigating this matter again. The investigation never took place to begin with.
Called them after the XXXX time fighting with them threw you guys this time they told me it is against the law not to pay them and they would not stop fighting me on it they will not provide me any written signed contract by me and also keep adding it back on XXXX after they have taken it off
I filed a dispute with XXXX and Transunion ( XX/XX/2018 ) for a Chapter XXXX bk reported on my credit to follow suit about the findings of this bankruptcy. XXXX deleted this Chapter XXXX entry on my credit report due to their findings on XXXX XXXX and I've asked XXXX and Transunion to follow suit. Their findings came back verified with no valid response. Also, I have informed them that the Bankruptcy Courts do not furnish this information to the creditors and I find that they have not investigated this thoroughly because if they did, then it would have been deleted.
My name is XXXX XXXX, I attended XXXX XXXX XXXX in the XXXX of XXXX. I received federal and private loans through the financial department at school. Basically I had gone through the program and there had been technical issues with an online XXXX class, at that time they were just starting the online classes so there was many technical issues. I lived two hours away from campus and could not afford to attend anymore, also because the XXXX class was a general education course I could just take it at a local XXXX college. I was told that I would not be allowed to do that. During the recruitment I was told outside credits could be transferred in. I 've paid close to {$30000.00} and have no degree to show for it. I 'm still paying off the loans because of the fear of XXXX my credit, plus when things were explained I was told all the loans would be similar in interest rate. All the loans were 2-3 % and the XXXX private loan is at 9.5 % I did n't even know an organization like yours existed, if I did I would have made a complaint a long time ago.
Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of Minnesota and Ohio.
To whom this may concern, I have asked XXXX and Transition to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.
On XXXX XXXX 2017, I processed an end of lease purchase in the amount of {$17000.00}. The contract obligation was for {$15000.00} with sales tax of {$1000.00}. When I finally received the title 2 weeks later and attempted to process a PA title transfer I was told I needed to pay sales tax as Chrysler had not paid it to the state of Pennsylvania. Here is when the nighmare begins. I have contacted Chrysler Capital/Santander almost daily since XX/XX/XXXX trying to have them take accountability for the whereabouts of what is essentially an overpayment of {$1400.00}. No accountability. No ownership. I submitted a written complaint to the Office of the President on XX/XX/XXXX and since then I 've had nothing but " pass the buck '' unaccountably. I was finally told on XX/XX/XXXX ( albeit 48 days since my formal inquireies commenced ) that they " misquoted my payoff tax for the state of NJ and that the accounting department was trying to figure this all out. '' I live in Pennsylvania. As I attempt to uncover the mysteries of what happened to the {$1400.00}, I am constantly volleyed between customer service reps. Managers and executive in the office of the president are " not at their desks '' when I demand escalation. I 've called daily since XX/XX/XXXX to check on the status when the reps tell me they will call me back and never do. Each time I get a hold of my inept " case manager '' as he apologizes profusely for not calling me back and constantly states " we are working on it, '' or " its stuck in accounting '' and when I press for escalation I get " my manager is away from her desk. '' My frustration grows daily over the gross inadequacy of this company. All I 've been asking for is a resolution to this matter and all I seem to get is a dead end.
I signed up through https : //www.sofi.comXXXX to refinance XXXX {$30000.00} in student loans with a promotional offer of XXXX XXXX point for every {$2.00} refinanced. I even called in after to confirm that I was enrolled. Upon having the loan funded, as expected I reached the screen where I entered my XXXX account information. 

Thinking I was all set, I waited about a month for the points to get deposited in my account before contacting SoFi. I got a canned response " We can not apply a new link after it has been 30 days since your original loan funded. The system locks out the manual adjustment option after the 30 day time period. '' Attempts to escalate this internally got nowhere. 

I would not have chosen SoFi if it did not have this offer.
PLEASE USE THIS COMPLAINT AS OPPOSED TO CASE NUMBER XXXX. 
I added the word CONSUMER to the complaint question. 

I would like Third Federal Saving and Loan to respond to this question ONLY I am a woman ( NOT AN ENTITY ) who participated in ***CONSUMER*** CREDIT TRANSACTION soley for PERSONAL, FAMILY AND HOUSEHOLD PURPOSES, please explain in detail, how the [ Promissory Note/Note/Financial Asset/Security Instrument ] ended up in a XXXX.
My mortgage was foreclosed on in XX/XX/XXXX. Real Time Resolutions purchased it after. I have been trying to have this entry removed form my report and disputed in in XXXX, XXXX, and XXXX. Real time response was that it would be corrected and removed by XX/XX/XXXX. To date, it has not When I tried to disputed it again, since they have NOT been at all truthful and lawful since this ordeal began. Their response is that the dispute has been settled. IT HAS NOT. I am requesting to have t his entry taken off off all of my reports immediately. I consulted an attorney and he indicted that because they Realtime is doing this as they ca n't legally come after me. This is XXXX way to keep my credit report flawed.