WillisBack/dataset-financial-user-claim huggingface dataset:
I had a XXXX at my residence in XXXX XXXX, the property was deemed a total gut, by the insurance company. I 've started the process of repairs after being paid by the insurance company. The mortgage company is in possession of the funds. After a mortgage ordered inspection, which was deemed to be XXXX % of the work completed, it was lowered to XXXX %, after review by their inspection team. " According to the mortgage company the pictures do n't justify the percentage. I have still been paying the mortgage monthly, I 'm in XXXX XXXXg the policy limits will be reached next mo th, then I will be responsible for the rent which is XXXX and my mortgage which is XXXX per month. I need the .mortgage company to cooperate and release the remaining funds, so I can compleye the need repairs so I may return to my home by next montj
I am writing to dispute a billing error in the amount of {$700.00} on XXXX/XXXX/XXXX. The amount is inaccurate. I am requesting the error be corrected, that any finance and other charges related be credited as well and I receive an accurate balance. A clerk at Kohl 's Department store processed a payment for {$700.00} on XXXX/XXXX/XXXX, instead of the correct amount for {$100.00}. The bill, was for {$100.00}, the check was written for {$100.00} but the clerk keyed in {$700.00} and it was debited from my XXXX checking account. On XXXX/XXXX/XXXX I notified XXXX of the error. On XXXX/XXXX/XXXX XXXX confirmed the incorrect amount was charged and stopped payment for the {$700.00} and allowed correct payment for the {$100.00}. Kohl 's is still showing I still owe {$700.00} with interest and late fees. I never made any purchases for {$700.00} and have not been able to resolve this with Kohl 's Department Store.
Everhome Mortgage ( Loan # : XXXX ) Two complaints : 1 ) Everhome was responsible for my taxes and insurance through an escrow account. XXXX XXXX taxes ( XXXX ) second installment are due on XX/XX/XXXX of every year. Everhome did not pay the taxes. As a result, the taxes were accruing interest and penalties. I had to go to XXXX XXXX XXXX office myself and pay the taxes in full while Everhome held my escrow money. This included a penalty that Everhome refuses to reimburse me for. 

2 ) Due to servicing issues with Everhome, I paid off and closed my mortgage with Everhome on XX/XX/XXXX and Everhome was supposed to send me a check for my escrow refund. I never received the check. After more than 20+ attempts calling them to receive the escrow fund, as of XX/XX/XXXX ( almost one full year later ) I have still not received a refund of {$6000.00}.
I have had a credit card account with Care Credit/ XXXX XXXX since XX/XX/2014, I was informed today that last month I made my payment 10 days late and was to be charged a XXXX dollar late fee. I contacted the issuer and they said " if your late you have to pay as a penalty for being late '' I have been an on time paying ( verifiable by payment records ) customer for 4+ years and to gouge myself and others alike given this is a medical expense credit card is immoral and unethical.
I had a credit card open with citi bank. I got some fraud on it back in  XXXX  of  XXXX  every month since, I have called citi and explained that it was fraud and they would take it off. They never took it off and in  XXXX  of   XXXX  , they claimed it was 30 days late even though it was the fraud I was not paying. Then in  XXXX , they claimed it was 60 days unpaid and again I called and they said it was fixed. they didnt, they sent it to collections. i called agian and corrected and they said it was fixed. I got conformation this weekend because I received a statement with a negative balence. Only problem is, that shows on my report and m y credit score o f  XXXX   ( t hat I have paid every bill I have ever had early ) has sunk to  XXXX  will this go away or what do i do next?
2 years ago I saw add on tv and called a number to buy a makeup spray machine that they advertised for {$29.00} plus mail cost of {$20.00} for a total price of {$49.00}. I paid with my debit card, after several days the product got to my home in an open box and the machine looked used. I tried to call customer service to let them know that their product was used product and had no manual on how to use it. but customer service of XXXX made me wait long time, never got a representative, I called several times, with the same result, and I got tired and stopped trying to call them. I left the machine in my house because I did not know what to do with it. I thought, I just did a bad buy and left it there. After 2 years I received a call from Monterrey saying that I owed {$620.00}. I never signed any paper saying that I will buy the machine for more money than the {$49.00} I already. Monterrey is damaging my credit seeking that way to press the consumer into paying with the threat of the credit report. There is thousands of bad reviews of this company because of this fraud that is doing to me and all those other people
After several times of contacting Experian to investigate these negative accounts, they have yet removed them off my credit report. I asked them plenty of times to verify that the account was mines by sending over the original contract, invoices, or any other legal documents that proven the alleged debt is mines. I also asked for the name, address, and telephone number of each person who personal verified the alleged accounts. Because a employee looking at a computer screen seeing my name on a list in the database is NOT verifying or validating a alleged debt. Also there are a lot of inaccuracies with these negative accounts that do not make sense. Under federal lawsuit XXXX v. XXXX XXXX XXXX 1997, Experian must contact original creditor to investigate and resolve the issue, not me. Attached is the response from Experian for the alleged debt and my dispute letters that highlights the inaccuracies with the account. This will be my last attempt to contact Experian and if the accounts are not deleted I will be forced to take them to small claims court.
A collection of {$52.00} was placed on my credit report by XXXX XXXX. I contacted XXXX XXXX, the original creditor, who stated I have no current or past due balance with XXXX and they would contact Convergent to remove the entry from my report. This incorrect, negative information is still reporting on my credit reports.
I joined the Crunch Gym in XXXX Flo5rida. After 1 month I decided to leave. I spoke with several managers there and they told me I could not leave until after 90 days. I told them I was not told this orally nor signed any contract to that effect. In fact there is No written contract. Now I am receiving harassing phone calls, text messages to pay for services I do not owe any money to this gym and have received a collection letter from XXXX XXXX and " ABC Financial Services. '' I never signed any contract nor agreed to any terms of use. They are constituting fraud and are harassing me repeatedly. The last text I received from them was on XXXX/XXXX/2016.
Hello hows it going, My name is XXXX and i am trying to see if someone can assist me as i am trying to get a mortgage loan for my family to get them out of a bad area we are in. My only issue is that closed Santander auto loan account is reporting a late payment in XXXX of 2016. I don't know of this is incorrect or factual but i am asking out of good faith for help in the removal of this remark as the underwriters are giving me problems and want to stop the loan because of the late payment i have showing. Please help me as much as possible as you can see i paid every other payment on time and satisfied the loan completely as well early. Making payments was never an issue it could have been an overseen mistake or that i was sick in the hospital dealing with my wife being XXXXt and many XXXX. Please advise, thank you and XXXX bless. 
Santander Account # XXXX ....
In XX/XX/XXXX I pulled all 3 credit reports. I noticed Dynamic Recovery Solutions on my report as a collection account. I disputed with all 3 credit bureaus in XX/XX/XXXX. In XX/XX/XXXX it came back as verified. I sent a certified letter to Dynamic Recovery Solutions demanding validation on XX/XX/XXXX. No response. Prior to my letter, I did not receive a dunning notice. I was also not notified within 30 days of placing negative information into my credit file. Delete any and all claims.
Transunion and XXXX  has continued to report an inaccurate and unverified bankruptcy that has no accounts included to support it. I have sent in notarized dispute letter after dispute letter with a document from the court stating that the federal bk court does not furnish any information to credit reporting agencies. XXXX XXXX is suppressed. They will not provide me with any verification of proof that I have requested. One rep from XXXX   told me over the phone while checking on a dispute that they don't have to provide anything to me. I said that's a violation of section 609 and you have up to 15 days to delete this bk but she did not.
People from a phone number XXXX XXXX XXXX XXXX are calling me and my cosigner at our place of employment regarding my student loan that is not deliquent the calls are daily XXXX to XXXX times a day and I believe it is bordering on harrassment. When you try to get information they are very nasty. Please help.
I have received 2 judgments along with garnishments against my paycheck on both of them. These were both XXXX Bank credit Cards that went into collection XX/XX/2006. That is 10 years and 10 months ago. That would be 4 years 10 months past the State of Oregon 's Statute of Limitations on Collection Lawsuits. I called them to ask why they are garnishing my wages almost 11 years later, and I was told that would be giving legal advice! I now find myself unable to sustain monthly payments on my families utilities & falling behind across the board due to the flagrant and apparently illegal actions of this unethical collection / attorney firm. I cant afford to pay another attorney to stop the illegal garnishments and Statute of Limitations complete disregard.
I was a co-signer on an apartment lease for my son from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX only. My son signed another lease from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX without me as a co-signer or guarantor. I paid his rent during the time I was his co-signer ; however, he was solely responsible for the next year 's lease. He owes the debt, not me for the months of XXXX in the amount of {$2000.00}. I tried to explain this to the collection agency many times but they continuously harass me stating, " They do n't care. I 'm his mom. I 'm liable too. '' He 's XXXX years old.
When I applied for this card and paid the fee, one of the benefits was to be able to redeem points to get XXXX free night when you book XXXX or more consecutive award nights. However, they have now taken away that benefit, which was why I paid the fee. I believe this to be false advertising.
This is in reference to consumer Financial protection Bureau # XXXX XXXX. XXXX XXXX XXXX responded in XXXX that this account was placed on the credit report in error. I have contacted XXXX and all 3 credit bureaus. XXXX and XXXX has updated their files. Equifax has not. The account is still showing. I contacted XXXX they're short me that they had sent an electronic email to all 3 bureaus. I contacted Equifax and Equifax told me they had not received anything. I'm getting the runaround. Please have Equifax delete the account as requested by the company.
Bank of America has instituted a " maintenance fee '' on my account, however I have not been told anything about this. Why? When? How much?. I have been a customer with BofA for over 12 years, and have never incurred any maintenance fees on my checking account. I have now " paid '' {$68.00} in maintenance fees, because I do n't check my account often and I now " owe '' Bank of America {$12.00}. This is ridiculous. Bank of America doesnt pay me interest for keeping my money with them, and then after 12-15 years they start charging me without telling me. 

To add insult to injury, the website tells me the only contact method available is the phone ( every other bank has chat and email available for bank accounts ). And when I call, Im told I have to wait on hold 22-30min ... its almost 2017, this is absurd.
During XX/XX/XXXX I paid a medical collection item directly to collection agency Bonded Business Services. The payment was for {$220.00}. The item was a result of an insurance company dispute that was resolved. I paid the item with the understanding that Bonded Business Services would remove the item from all three credit reporting agencies as it required to under FCRA XX/XX/XXXX. Bonded Business has refused to do so despite three letter demands.

Bonded Business should remove any and all information re this paid medical debt,
XXXX continues to assign an account to collection agencies that I do not owe. I contacted the last agency XXXX XXXX and told them this account is disputed because the service is still active and has never become delinquent. XXXX was handling the billing for XXXX XXXX and that billing was transferred back to XXXX XXXX. The XXXX XXXX account is currently active and has been for over 8 years. There is apparently some transfer of funds issue that occurred between the 2 large companies but the account has never been past due. Currently ERC is attempting to collect this debt. I thought it was closed back in XXXX of 2017 when I contacted XXXX XXXX and explained the internal billing error between these companies. My next course of action will be to file a lawsuit aginst all parties involved.
After receiving a collection letter from the Debt Collector XXXX XXXX XXXX XXXX XXXX ) I sent a letter requesting verification that they are in fact collecting on behalf of said creditor, and proof of the amount of the debt they are attempting to collect on. They responded by filing a lawsuit without providing verification of the debt, a violation of the Fair Debt Collection Practice Act. The amount of the debt is substantially different from the amount owed to said creditor. If they are acting on behalf of said creditor they should be able to provide proof that they have the legal authority to collect on the debt, i.e assignment of debt or purchase agreement.
XX/XX/2018 I was contacted by a debt collection company by phone stating that I would be going to jail for check fraud unless I paid $ XXXX, for a loan I was given by ACE CASH EXPRESS approximately 10-15 years ago. I am currently on SSI/Disability and I told that to the person on the line " whom I later learned was named XXXX ''. And I explained to him that I didn't have that kind of money and was struggling to make ends meet. However I did tell him that I could make an arrangement to pay something each month until it was paid off and he asked " how much '' and because of my current financial struggle I stated that I could pay at least $ XXXX- {$25.00} per month and at times maybe more until it was paid off. Well XXXX then stated that he couldn't accept that low of an amount and asked if I could ask my friends and family members and come up with {$1700.00} that day and take care of this. I again told him that I was unable to come up with that amount so he said he could lower that to {$700.00}, and I told him that I have no friends or family members that would loan me that kind of money. He then drop it down to {$500.00} ... ..and once again I stated that I just was unable to come up with that amount. He then said " well can you ask your friends and family members for {$170.00} today, to keep me from sending somebody out to pick you up today XXXX meaning arresting me and taking me to jail ). Frustrated and afraid of being arrested, I told him that I would make a few calls to someone and see what I could do. Unfortunately I was unable to come up with any money, and when I tried calling back several times I kept getting a busy signal. " Please Help Me ''? The Docket # XXXX
I have a Capital One credit card, Quicksilver, with no balance, and incurs an annual fee every XX/XX/XXXX of {$39.00}. In advance of that fee being charged to my account, on XX/XX/2018, I called Capital One customer service to evaluate my options regarding the upcoming fee. I was advised by the Capital One customer service representative that I was a customer in good standing with an excellent business record with Capital One and they would waive the annual fee once it was billed to my account on XX/XX/XXXX. On XX/XX/XXXX, I called Capital One, and after speaking with three different representatives, they advised that they would not be able to waive the fee, that it was against company policy. I have the XX/XX/XXXX call with Capital One recorded and when I advised them of the documentation, they became obstinate and would only continue the conversation if I ceased recording, even in light that they acknowledged they were recording the conversation. I advised that I made all calls from a 'one party consent state ' and did not have to disclose if I was recording the current call which they advised that they would not help if I was recording the conversation. It is an inequitable position to only have one party with the recorded conversation and is in everyone 's best interest to have the best available documentation of the conversation. In short, previous to the fee being incurred, I inquired with Capital One, was provided information and guidance that I faithfully acted upon, and when attempted to execute the financial commitment from Capital One, they reneged on their previous verbal contract to waive the fee once it incurred. Capital One has all the conversations recorded for review.
Chase credit card withheld information about the cut off time XXXX east time for payments on XXXX/XXXX/2015. Then at XXXX I called to pay it to avoid late to pay with chase checking the said even though I paid in past with that account I would have provide my account and routing number with I did n't have on me. I spoke to supervisor who said on a recorded line not to worry he will note on the account that he would refund any late fee was I paid it on the XXXX/XXXX/2015. However now chase still charged me a late fee. Even though I paid on the XXXX. In conclusion CHASE credit card automated machine didnot disclose that there was a cut off time on the XXXX due date. And they are scamming me and other customers out of XXXX of dollars. They need to be held accountable for ther scheme
XXXX XXXX XXXX does not report payments that I pay. I check monthly and they get the money when I check it's all ways some excuse told to me some 3 Rd party credits the account. It's all ways some story to the payment. I don't get no phone call back after they say there going to look in to it. I fax the copies of payments every month it's they did ot get it. but when I check the bank or the XXXX XXXX  they had the money and cash it. There is nothing but the run around with XXXX XXXX. on my credit file there has not been no payment reported for the last 5 months up to XX/XX/XXXX. I have all my copies as well as proof they cashed the checks. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which makes no sense to why XXXX XXXX Cashed the checks but not reporting my payments. I fax time after time proof but no return call. Nor a letter as stated by the phone.
I have noticed a date change in debit transactions I once had double checked as cleared. I think my bank is taking advantage of the fact that I get paid weekly and use my debit card to work. They manipulate my payments in an order that would lessen the availability for funds. This maximized the charges at an alarming amount of {$600.00} for the year of 2016. Before I make any payments, charges on my debit card I usually always check for availability. For instance there will be a certain day that all these charges will be cleared off and it just happens to be made more then just a couple of days before. Also they do not credit me when merchants have voided transaction and am told I would be credited never to see the money back in my account. The agents always blame the merchants but I they blame the bank. I have asked the Customer Service Agents to take me off there overdraft protection program and have been lied to about rules and laws for overdraft fees. Even when I was enrolled in the Overdraft plan guess what it would take money to cover the low balance but still overdraft me. So I would have to call Bank of America and state the obvious reason for why I was charged incorrect. I had asked right after that incident to be taken of the Overdraft plan because I know it just gives them the ability to charge my account even when it is negative. I have argued with these so called customer service agents about my rights and they tell me they still get to charge me just for rejecting a check. My account has charges that have cleared from XXXX days previous to reoccur and all on a day purposely before a direct deposit so that my money goes to over draft fees rather then to me. Every week I will check my account for available funds only to be hit with transactions hours previous to a direct deposit to clear. They will not clear off these fees because then they would not be able to make money off me. I have time and time again asked them I wanted an account that would not allow to overdraw the account meaning transactions will be declined by merchants and customers will not be charged a fee. They tell me that them rejecting the claim there is a XXXX dollar fee for it. I know that is complete lie and incorrect I do not get notified when some of these charges are made and in reality am in no control of my account because of there rules. I want an investigation to be made because they are out right telling me that no matter what I will still be charged weather I authorized a charge or did not I will still be charged.
I have my credit frozen with XXXX and Equifax. I havesubmitted all information they have requested to unfreeze mycredit per their website. I have lost my XXXX digit pin numberthey require which is why I have to send everything in themail they request as proof of identity. I receive nothing backsaying why they have not unfroze my credit and thereforeI ca n't get a loan currently. You ca n't talk to anyone on thephone because they just direct you to the website with theinstructions to follow to send everthing snail mail to get itunfroze. Help on this matter would be greatly appreciated as Ido n't know what else to do at this point.