WillisBack/dataset-financial-user-claim huggingface dataset:
Manager from XXXX collections was very rude and unprofessional ca n't negotiate with him because I live in XXXX in Massachusetts and want to do a 80 % off of {$1500.00} to be settled and have letter for proof, that payment was made and paid in full. 

But manager was very rude.
Thought card was on autopayment, it was not. I attempted to submit payments online through Capital One 's website and thought everything was good. I 've paid on time with Capital One ever since I opened my account. They sure were quick to report me as 30 days late on all credit bureaus. I contacted them and they told me they can not do anything. I contacted all XXXX credit bureaus and they informed me to contact Capital One. I 'm stuck in this endless loop. I understand that they do n't have to make any adjustments. But, I believe their website had issues and I do n't understand why they are so adamant about not helping me.
On XX/XX/XXXX, I began my lease with XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, Florida XXXX for one year ( ending on XX/XX/XXXX ). I lived with three other individuals, each of us on separate leases. After living in the property for one year, I was assessed charges in the amount of {$2400.00} for damages that XXXX stated we were responsible for. I received the first correspondence from XXXX regarding these charges once I moved into my new residence the following year. I immediately contacted them to let them to dispute the total that they were placing on me was incorrect, but to no avail. The office staff stated that they would contact me in the coming weeks with a solution, but I never received any communications back. 

In late XXXX, I received notice that the amount I owed was being transferred to NCC Business Services Incorporated, a  third party debt collection agency based in XXXX, Florida. In late XXXX, I formally disputed the debt with NCC. After waiting for months for a response, I contact NCC to speak with them regarding the unjust debt. They stated that they sent me a response to my debt dispute. I stated that I never received this correspondence and requested them to reissue it but they declined to send me this document again. 

During the time of my dispute with the debt collection agency, XXXX transferred ownership of the property to a bank. This property was being managed by another company. I spoke with the owner of XXXX in-person in mid XXXX, informing him that this credit dispute was a hinderance to my ability to seek housing. He informed me of this shift in ownership and ensured me that he would speak with the new owners to assist me in this effort. He also spoke with the local property management company I was attempting to rent from ( no relation to situation ) to help me in obtain a rental I was seeking to reside in. Despite this, he never reached out to the debt collection agency nor the new owner of XXXX XXXX XXXX to rectify this issue. After waiting for a few more months, I called the new property managers to explain to them my situation. They stated that they had nothing to do with the issue since they never formally went into a contract with me. They also stated that they would not be able to give me the direct contact information for the owners of the property. 

In XXXX XXXX, I contacted XXXX to let them know about my conversation with the new property managers. They offered no assistance. Late in XX/XX/XXXX, I retained an attorney to assist me with solving the issue. She advised for me to file complaints with various governmental agencies. My hope is to not only resolve this issue, but to aid other college-aged individuals who may fall victim to the predatory practices of business like XXXX XXXX XXXX XXXX.
got a home equity loan in XX/XX/XXXX got pay of balance for my card + husbands at XXXX XXXX, Mailed both checks on about XXXX. The credir card company applied XXXX payments to my husbands account, leaving mine past due and over the limit. I did not discover their error until XXXX at which time I called and inquired about status of card, they finally applied payment to my account on XX/XX/XXXX. They accumulated late fees during that time and now say I owe {$630.00} I have been fighting this for 5 yrs. It is clearly their error. I have receipt of check from bank and statement showing when payoff was applied from XXXX XXXX. I contacted them within 30 days by mail to dispute it but they say they never got letter, so this is on my credit report, I have tried to resolve this matter but the card co. says because I mailed XXXX payments in same envelope is why they applied it to husbands acct. both checks were clearly written with each name and acct # on them. I can not be responsible for their mistake, they have hired collection cos. and when I explain the situation they just say well we are n't going to resume any collection from you, so they hire another XXXX. This is crazy, I told the gentleman last time he called that if Husbands card was over paid by law they were send overpayment to him. Then and only then did the phone calls stop, our bank has been contacted in this matter but does n't seem to want to help even thou they wrote the check. Do n't know what to do at this point.
I requested written notification of my husband 's debt and they refused to send it to me. They stated they had already sent it out and they could n't send me another letter showing the information regarding the account. i.e. balance owed, original creditor, date account was opened ect .... I am really confused as to why they can not provide me with documentation regarding this debt. The rep that i spoke to kept saying they sent it via mail and that I should have it. I then stated to her to check her notes because I just changed the information on file earlier that day. She said " Oh ok '' but still refused to send me any info and claims it was requested, but I still have not received anything. They refused to provide documentation and also stated they could n't send it until the bill was paid off.
The mortgage serving company, Rushmore Loan Management Services, LLC, purchased lender placed hazard insurance for my property, without my authorization or consent, despite the fact that I already had property insurance of my own. 

This resulted in an increased monthly payment being deducted from my account, again without my authorization and consent, and my being overcharged in the amount of approximately {$110.00}. It also resulted in my records reflecting an increased monthly amount, and my being improperly charged a late fee of roughly {$120.00}, despite the fact that I have timely made all payments. 

I have made roughly 8 calls to Rushmore 's customer service and insurance department in an attempt to get this issue resolved and have been given the " run-around '' time and time again. 

This is possibly the most dysfunctional financial services company I have ever engaged with and I would encourage the CFBP to take any and all steps they are authorized to take
I am getting over XXXX calls a day from this number. They will leave a recorded message stating that " This is XXXX XXXX from Navient. Please return my call at ( XXXX ) XXXX. '' The calls are occasionally after XXXX. I am late with my current month 's payment to Navient and will be paying it next week, although I have also received these frequent ( XXXX times per day ) calls before even when not behind on payment. It is my understanding that frequent calling is harassment and illegal. Anything you could do to stop them from doing this to myself and other Navient borrowers would be greatly appreciated.
My apt manager was a XXXX lived there for XXXX years with a roommate.She let it go so badly I had to leave. Every thing was bug infested abd ruined. Now I canot get one thing straight. I do not owe my roomates half and they will not take any offer to get this resolved. I need to get a place and thie a nitemarre on my credit. 13 years is along time to live somewhere never late on the rent. I have pictures of the bugs. I need this off my credit. I am XXXX on XXXX alone, so I do not have time for these games
I received an overdraft fee for an ACH transaction that was an annual fee and was not aware it was billed until I saw the information on my mobile app. I called BOA and asked for a courtesy exception and they advised I 've already had a courtesy exception in XXXX and they would n't be able to give a XXXX exception. I requested to speak to a Supervisor whose name XXXX XXXX and I placed my fianc on the phone as I was frustrated. My fianc questioned if there had ever been XXXX exceptions given and he advised that they had but due to the circumstances on my account we would n't be able to get a XXXX exception due to the fact she had XXXX overdrafts ( which were debits and per their policy if its approved at swipe their is no overdraft charge ) XXXX of those were not charged a fee and XXXX had, with the XXXX being credited in XXXX and the most recent being our requested now and how deeply her account is overdrawn. He stated that XXXX exceptions are given and upon further research I know that more than XXXX are given to different account holders. My impression was that because we were n't " High Value '' we were denied a XXXX annual exception. I just feel that it 's discriminatory that others are able to receive XXXX, and XXXX exceptions and we 're not. While the reasons behind the multiple exceptions are privy to each account holder receiving the waiver the fact that it 's given we should qualify if we 're talking about fair banking.
Bank suspended online access claiming fraud, however no proven fraud has ever taken place. Chase demands we go out of our way and drive XXXX miles round trip to a branch to produce XXXX forms of ID.
On XX/XX/XXXX ( approximately XXXX XXXX   EST ) I contacted XXXX- XXXX XXXX about account ending in XXXX ( opened in XX/XX/XXXX ). 

I was forwarded to representative XXXX XXXX. Immediately after she verified my name, I asked XXXX XXXX for her employee ID number for my own notes. She refused to give me her ID number by saying, I am not getting into this, I will just send you to a manager. I thought that she was reacting abruptly but I said that it would be fine to send me to a manager. XXXX XXXX then put me on hold after which XXXX, Senior Resolution Specialist ( ID number XXXX ), picked up the call and asked me to verify my information. I asked if she were a manager and she said no, but gave me her title and said that she could as much as a supervisor could. We began going through payment options, she asked if I could pay the current balance due, I offered to pay more if we could get to a reasonable amount. XXXX ultimately said that if I could make a payment of {$910.00} then XXXX could waive the rest. I said that it sounded like a settlement and I didnt want to do a settlement. She assured me that it was not a settlement and asked if I would like to pay the {$910.00} agreement. I said that I would like to make that payment once I see it in writing, XXXX then said that she could not provide the agreement in writing. I ask her to tell me where it says that she can not provide me the agreement in writing. XXXX ask if she could put me on hold so that she could find my answer to that question. After a while on hold she returned to say that she was still looking for an answer and asked if I she could place me on hold again. I agreed to hold. After being on hold for a little while, the called completely disconnected. After the abrupt handling from XXXX XXXX, I now felt XXXX may have purposely ended our call. 

I called back, spoke to XXXX ( ID XXXX ) and told her that I was working with XXXX and wanted to be reconnected with her. XXXX said that XXXX ( ID number XXXX ) was no longer available and may have just left for the day. Now, I really felt disappointment about how I was treated by XXXX XXXX and XXXX. It also made me apprehensive about how I would be treated going forward. XXXX said that she would help by looking at XXXX note. She saw that were arranging a payoff amount of {$910.00}, but said that it had to be a settlement. I said that XXXX said it was not a settlement and at this time I would like to speak to a supervisor to discuss things further. 

I was forwarded account supervisor XXXX ( ID number XXXX ). I told him about my experiences with both XXXX XXXX and XXXX. I told him about XXXX refusal to put our agreement in writing. He said that he would tell XXXX XXXX supervisor about how things were handled. He did not mention XXXX. XXXX then said that the only two options he could provide me were a settlement for half the cost or to waive the late fees up to about {$200.00}. By this point I was frustrated and dismayed. I said that I would need to think about what I would like to do next and ended the call. 

While thinking about what to do, I chose to file this complaint with the CFPB.
Chase Bank has been unwilling to provide any form of assistance in recovering or refunding the money I lost as the result of a scam. I wrote a check to an XXXX-based tour company in the amount of {$3600.00} in exchange for their tour and guide services. 2-days prior to the trip, the company cancelled the trip citing XXXX in the area. No other travel companies that we contacted cancelled their trips and there were no reports of any XXXX online. The tour company has kept my money and is unwilling to offer any form of refund. The others in my group were able to recover their funds from their banks and credit card companies, but Chase told me they would not provide any options other than " contact the police '' and " try to get your money back from the company yourself. ''
Previously I have ask the credit reporting agency, to correct the hard inquiries that on my credit report and that I have not authorized and done without my knowledge. 

all credit bureau has ignored my request and complaint, they have not address my concerns or corrected same. 

These company has again monetary benefits for reporting and selling my poor credit report and there refusal is in violation to the Federal Law and State Law. 

Therefore I request that all hard inquiries be removed.
My grandmother, XXXX XXXX XXXX, ( deceased XX/XX/14 ) took out additional student loans in my name through, what I can only assume, was a forging of my signature. I was never aware or informed of these loans that are currently in collections with XXXX XXXX XXXX   and only just saw them on my credit reports when applying for a home loan this past winter. I have contacted XXXX XXXX  ( the original debtor ) to no avail and have also attempted to contact XXXX XXXX XXXX but do not have account numbers or my grandmothers SSN and can not prove I have access to these accounts as I have never received written acknowledgement of these debts.
My husband and I are trying to refinance our mortgage with XXXX XXXX XXXX XXXX. Beneficial who now holds the mortgage is refusing to send XXXX XXXX a 12 month payment history even though I 've never missed a payment. I think they are doing this on purpose so they can keep collecting the 8.2 % interest I am currently paying them. For 6 weeks they kept telling us they were doing it, then they said because we filed bankruptcy ( of which they were not a part of ) 5 years ago that they ca n't send the request of 12 month payment history to XXXX. This is not the first time I have had problems with Beneficial. I tried to file a complaint with the XXXX last year or year before last because they were not taking the tax payments I was making to them and applying it towards the taxes. That was never resolved.
The courts file a tax lien due to misinformation. Once the information was corrected the tax liens were released. I sent the documents the documents to all  XXXX  credit reporting agencies and requested that it be removed because the tax lien should not have been filed.
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 XXXX  is the only credit reporting agency to remove the derogatory information from my report. I have been unsuccessful with   XXXX   and Equifax.
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I am requesting with assistance in getting  XXXX  and Equifax to remove this erroneous information. This is damaging my credit report and I can not apply for credit.
I also provided them the information to support the request for removal. It is very hard getting the credit reporting agencies to do their job and correcting your credit reporting.
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 XXXX    XXXX   XXXX   XXXX     XXXX , PA  XXXX  Equifax   XXXX   XXXX   XXXX   XXXX    XXXX , Georgia  XXXX
i use XXXX  and have my credit card attached to the account on my phone i had someone take my phone and then charge me XXXX I called XXXX  and they refused to reverse the charges
Re : XXXX XXXX XXXX, XXXX XXXX, Fl XXXX  Title Policy # XXXX Closing Date : XX/XX/17 To whom it may concern : Following a description of my complaint.

Both, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( closing agent ) are negligent by overlooking an existing lien on the above referenced property.

No document in my closing package mentioned or referenced the existence of a Green Corridor '' lien/ or a consent to assume said loan, payable once a year via the property tax bill.

Moreover, the underwriter failed to include, as a requirement to close in SCHEDULE B - SECTION I, Payment, the cancellation and satisfaction of record of mortgage executed in favor of Green Corridor.

Please contact me should you require any supporting documentation or information.

Looking forward to hearing back from your agency soon.

Sincerely, XXXX XXXX XXXX p.s. YES, I agree that you publish my complaint. I am certain many consumers are in the same predicament and are not aware.
We had a mortgage with XXXX and had difficulty paying due to daughters accident, and they offered us to apply for a modification from a phone representative, and said we pre qualified and we sent in all required documentation. And we were advised not to make payments on the file. Around XX/XX/XXXX we called to check status and they advised we were denied, but never got written confirmation, so we contacted an attorney, since they started the foreclosure process. We set up a mediation and attended and come to find out our loan was sold to Caliber, at this point me and the wife were in a separation of marriage, so she wanted to keep the house, we asked them if she could qualify on her own for a modification. She sent in all the required documentation again. This was around XX/XX/XXXX. Up to this point today our attorney still has n't received any written confirmation from the bank, and per law we should have received an acknowledgement letter within a few days confirming such. All she wants to do is keep the house under a modified payment that could be reasonable to her budget. I know some banks even process or approve a Principal Reduction type of modification as well to assist homeowners keep their house. Failing to acknowledge in writing is a direct violation of CFPB regulations. I am writing for assistance for her to keep this home with an affordable monthly payment
My name is XXXX XXXX and my property was foreclosed by ShellPoint Mortgage while I was in review for loan modification, I property is now owned by a 3rd party as of XX/XX/2017. I believe ShellPoint did not follow the proper Home Owner Bill Of Rights procedures as I feel I was a victim of dual tracking.
In early XXXX, due to the insufficient payment had been made to this credit card account. The company closed my credit card account, but I continue to make a payment every month. 

The interest of this credit card was getting higher and now is 26.99 %. I still own {$4300.00} on this card and I make a minimum payment of about {$140.00} per month which also included about {$100.00} of the interest. In XXXX, I have made {$1000.00} of interest to this card and It is 1/4 of the amount which I own on this card. 

I want to pay off this card ASAP, but the high interest makes it become forever. I don't wont to run into the debt collection program because it will also hurt my credit score. 

I was wondering if there is someone can deal with the bank and try to low my interest as the normal rate. Then it will extremely save my time to pay off this card. 

Thank you very much for your consideration, XXXX XXXX
On XX/XX/2017 I was informed of a breech of Equifax 's service affecting 143 million users. The page they provided told me my ssn, drivers liscense, home address, name could be compromised. I have put a 90 day watch on my credit but my private data is now considered public domain.
To Credit dispute department : XX/XX/XXXX - Contacted XXXX Services about account {$8300.00}, was informed that they would be sending me a XXXX form for balance on account. 
XX/XX/XXXX taxes, filed XX/XX/XXXX, Amount {$8300.00} Reported as income from form XXXX from XXXX Card Services, included as income reported for the year, and paid taxes for same. 
XX/XX/XXXX - Attempting to qualify for a mortgage, contacted XXXX services again, to request that the amount of {$8300.00} be removed from my credit file, after having received XXXX and reported amount as income XX/XX/XXXX. 
XX/XX/XXXX - Am told by XXXX Services that the only way the amount will be removed from credit report is if {$8300.00} is paid to them to XXXX the balance on the account. Have spoken with various entities at XXXX, provided the XXXX form they sent me, but they refuse to XXXX the balance on my credit report. Can anything be done? '' XXXX has XXXX out the balance but equifax and XXXX has not changed it. I have the XXXX form if needed provide me with fax or email to copy and send. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXXXXXX XXXX
CITI bank advertised that it will reward every customer that opens a checking account with a XXXX deposit before XX/XX/2016 with XXXX dollars. I opened the account on XX/XX/2016. I was supposed to maintain the deposit for 30 days. I never took my money out till today. Today is the start of the fifth month I called and complained to them 3 weeks ago they agreed that the amount should be deposited. They opened an investigation but never did anything about it. As a last resort I am coming to you please resolve the problem and save others from the misery I have been through with them