WillisBack/dataset-financial-user-claim huggingface dataset:
I received a call today from this lady I believe her name was XXXX. She made me feel extremely inadequate like i was a liar and that I had no rights. We first spoke XX/XX/XXXX and set up a payment arrangement to get this debt payed off. I told her that {$450.00} a month was all that we could afford and that I would try, key word try, and get something to her when I received my tax return XX/XX/XXXX. We were contacted by this lady again when she called XX/XX/XXXX to ask for a larger sum of money. I told her we had to take care of a bug infestation in our home ( bed bugs ) and that I would not be able to give her more than the promised monthly {$450.00} that we had agreed upon at the XX/XX/XXXX. She told me that would not be enough and said that she would be making a judgment against me. XX/XX/XXXX she called and stated that I had done nothing about my collection debt and that this is all my fault that we are where we are. She stated that I could have come up with money to pay this debt and that I needed to come up with {$2800.00} within a week and {$650.00} a month so that they would stop the judgement. I told her that was not possible and that is what I was trying to do back XX/XX/XXXX. If she had given me the 5 months between XX/XX/XXXX and XX/XX/XXXX to come up with the {$2800.00} that it would not have been a problem but that last time I spoke to her she made it seem like a lower payment was not an option. This most recent time she called me this morning XX/XX/XXXX she stated that I stuck my head in the sand hoping this would go away. That I never spoke to my husband about any of the decisions and kept him in the dark when I had not. She called me irresponsible and selfish to quit my job to be home with my kids. She told me that I am the one that has been unresponsive when it comes to working with them. She told me that I have until XX/XX/XXXX to come up with something and she does n't care if it means that I ca n't buy food or pay my mortgage because I am at fault and was not willing to work anything out with her, when I tried working something out with her since XX/XX/XXXX. I told her as a consumer XX/XX/XXXX that she is not allowed to contact me any longer and that I had felt attacked and she still proceeded to contact me. She called me a liar and told me that my sob story will not do me any good and that she really hopes that I have to go back to work because of this and that again I was irresponsible and selfish to quit to begin with.
XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. XXXX XXXX failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line, and the failure to request the tradeline be marked as one in dispute, my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.
Discover card allows users several options to make payment automatically on their website. 
1 ) Pay in full each month " 10 days '' before the closing date 2 ) pay the minimum on the statement due date 3 ) pay the minimum plus a fixed amount on the statement due date 4 ) pay an " other '' amount on the due date When i asked why i could n't pay in full " on the due date '', i got the following response on their chat : " So with the " pay in full '' withdrawal option, the withdrawal date for that is systematically set to process 10 days before your closing date, instead of the due date. The reason behind this is we know it 's important if you 're paying in full to have the reported to the credit bureau every month on your cycle. This is set in place so that if something happens with the payment, there is still time to correct the issue before it 's reported. Please keep in mind the withdrawal date can be changed. '' They further indicated that once the payment is set up, after 90 days you can change the date, presumably to the " due date '' of your statement. There does n't seem to be any good reason why these XXXX would be treated differently. 

I think they are just trying to encourage people to only pay the minimum payment or some fixed amount rather than paying their bill in full.
Ace Cashing in XXXX Tennessee Store Number XXXX at XXXX XXXX XXXX XXXX Tennessee cashed checks for person/persons using my identity. They cashed tax returns that was filed fraudulently. XX/XX/2014 using wire transactions. XXXX Treasury XXXX XXXX.Check number XXXX {$400.00}. X/X/14-wire transaction -check number XXXX {$650.00}. My drivers linsence & social security card was stolen. Tax returns are being filed fraudulently & the employees with Ace is cashing checks.The last digit on my drivers linsence was changed by an employee with Ace check Cashing.
Hello, I have been locked out of my coinbase account that holds my funds for 50 days, starting Saturday, XX/XX/XXXX. I start trading using this account on XX/XX/XXXX and already verified my account and linked it to my bank account, which I used to wire the money to my coinbase account. 

I tried to recover my account by submitting a copy of my driver license online on Saturday, XX/XX/XXXX, and Sunday, XX/XX/XXXX however, because the name on the online account is different than the name on my driving license ( the name on my driving license contain an extra letter as an initial for my middle name, however, only my first and last name shows up at my account ), the process failed. I reached Coinbase customer service by email on Sunday XX/XX/XXXX and by phone on Monday, XX/XX/XXXX, XXXX XXXX  EST and submitted a high priority ticket ( as the agent told me ) due to the sensitive situation since I have all the needed documents for account recovery and the first and last name matches the name on the account. 

I did not hear back from coinbase and I tried to call them several times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) but unfortunately, the agents refused to give me any useful information or estimated time for coinbase reply which till now is taking almost two months  without the ability for me to access my funds. They also refused to transfer me to the department that handles the accounts lock out or to even contact them. Only one time the customer sevice agent promised that he will contact them on my behalf and will send me an update email, but he did not. The problem is that the market is a very sensitive one and I lost more than 1100 $ due to the change in the trading prices and the inability to sell or even transfer or use my funds. This is in addition from preventing me from access/invest my money. I still do not know when the company is planning to respond to a high priority issue, as stated by their customer service agents, which will further change the amount of loss I am encountering till this moment. I have a copy from all the emails that I received after each call.
This company called XXXX XXXX ( I think ) calls me every business day, sometimes several times a day. They are looking for an XXXX XXXX and I have told them several times that I am not him. My name is XXXX XXXX and I have had my number for 27 years.
I received several calls from someone named XXXX stating she was from API and was trying to get an statement from me or my attorney. They called my brothers and told them that I listed them as a reference ( LIES! ). I finally called back and they were threatening to take the matter to court to garnish my wages if I did n't make a down payment by the end of the month and monthly payments after that. The debt is real but after reading this is speaking with my mom who had the same experience with them, I now know that this is a scam. My mom was telling me to XXXX them but all that came up were several complaints of a scam with the same or similar stories. I called back to get an address and the address provided led me to a XXXX XXXX. I called back to verify that I copied the address correctly and was reassured that it was correct. When I asked him if they were located inside a XXXX XXXX I was told they were next door to XXXX although the address was the same. I called the XXXX XXXX associated with that address and I was informed that they supposedly had a box inside the store, but if that is true, why was I told they were next door? SCAM SCAM SCAM!!!!
On Monday  XXXX   XXXX  I went in to Chase Priv ate Client branch located at  XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . I asked for a private account. I was tricked into believing a ge ntleman was working for the FBI and investigating the bank and my inheritance was basically stolen from Chase Bank NA.
On or around XXXX XXXX 2015, I called Capital One to close my Secured MasterCard account. The representative confirmed that this account would be closed and provided information with regard to receiving my security deposit. Instead of this, the representative closed my unsecured Visa account of which I was not aware.
On XX/XX/XXXX, I received a voicemail message from a " XXXX XXXX ( sp? ) '' claiming to be the Director of the Board for the Fraud Department of Debt Restoration Services. He stated they have been attempting to contact me for the past five months concerning a pending civil suit against my name and social security number for maliciously attempting to defraud a financial institution for theft of services. He went on to state they will attempt to freeze my assets including any anticipated tax returns, including a wage garnishment. He advised that I should call XXXX ext. XXXX. On XX/XX/XXXX, I received a validation of debt letter from XXXX XXXX on behalf of XXXX XXXX XXXX via email. Please be advised that this complaint is in relation to a prior complaint filed with CFPB XX/XX/XXXX. Refer to Case number : XXXX. XX/XX/XXXX, the Federal Trade Commission filed a permanent injunction and monetary judgment against XXXX XXXX and their entities.
XXXX 2017 Mortgage lender being told my equifax file is blocked and getting error code XXXX XXXX. I 've called 4 times and been assured there 's no blocks. Ca n't get this fixed
I had home located at # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold XXXX. Mortgage was paid off and the line of Credit ( # XXXX ) balance at the home at the time of sale on XX/XX/XXXX was XXXX as indicated in the letter attached issued by XXXX XXXX Bank the mortgage account # XXXX for the property located at XXXX Hidden XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XX/XX/XXXX 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home XX/XX/XXXX and both account Balance were XXXX as of XX/XX/XXXX at the time of sale. 
This inaccurate information needs to be correctedI did submit to you the HUD and Pay off proof dated back XX/XX/XXXX.
I have a 30 year fixed rate mortgage. I decided to get ahead and start a biweekly payment schedule to make an extra principle only payment annually. According to Wells Fargo 's website : " ... When you split your payments like this, you're making the equivalent of 1 extra monthly payment ... This extra payment is applied directly to your principle balance. '' I started biweekly payments on XX/XX/XXXX and it is now XX/XX/XXXX. Only 1/2 of a monthly payment was applied to principle only on XX/XX/XXXX. There was not another principle only transaction during this period of over 1 year ( 35 1/2 payments ). I any given 12 months only 12 payment are due, or 24 1/2 payments. I made 26 half payments, which is 1 full payment over what I owed. A full principle only payment should have been applied at some point during that year of 26 payments. I am at 35 half payments with only 1/2 payment being applied directly to principle. I contacted Wells Fargo and they responded saying their actions are correct even though it conflicts with information on their website. They said 3 payments have to be made within one month in order to apply a payment to principle only. I don't feel like this practice is fair because on XX/XX/XXXX there was a payment made that could have been applied to principle only and the payments made on XX/XX/XXXX and XX/XX/XXXX would have satisfied the XX/XX/XXXX balance due within the grace period. This arbitrary rule of 3 payments within one month caused me to pay more interest in XXXX than I did in XXXX, which, should be impossible considering I have a fixed rate loan and have never missed a payment.
My home mortgage documents/regulation z which were originated on XXXX XXXX, XXXX states that my monthly payment would be {$5100.00} beginning XXXX/XXXX/XXXX. I received a letter from Wells Fargo stating my new payment is {$6400.00}. When I called Wells Fargo, the customer service reps have no answer for the discrepancy but say I must pay the {$6400.00} or fall into foreclosure. My interest rate is locked at XXXX % currently and all other previous annual increases have been in accordance to my signed loan documents. I feel this is totally unfair, unethical and a breach of contract and would like immediate help in resolving this matter.
I made a deposit on my account on XX/XX/2017 via the mobile APP. During the process, it stated that the funds would be made available on XX/XX/2017. I made a payment on another credit card to pay it off to prevent finance charges from accruing using the funds on XX/XX/2017 thinking it was enough time for the funds to process since the app promised it would be available the day prior. When I checked the bank account today XX/XX/2017, Wells Fargo still had the funds pending but not available and returned the payment to my creditor. This not only caused my Wells Fargo account to be overdrawn, but also caused issues with my credit card since now it has a returned payment on it with a balance. After speaking with Wells Fargo twice, they advised that they received an indication from the bank that the funds may not be available causing them to hold the funds for additional days. I called the other bank who issued the check and they advised me that they do n't have anything on their end that showed any issues with the funds and that the funds are there for Wells Fargo. I called back Wells Fargo again and advised them the situation again with the extra information from the previous bank. Once again, an agent ( XXXX ) and a supervisor ( XXXX ) told me that they received an indication that caused them to put an extended hold on the funds.
accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.
Weltman , Weinberg & Reis Co., L.P.A. has been contacting me about collecting on a student loan they are servicing for XXXX XXXX. After a few phone conversations, I asked them to provide documentation that verifies that they are the proper collections agency to collect on behalf of XXXX XXXX. This was back in XXXX, 2016. It has been 6 months and I still have not received any sort of verification documentation.
Background check reports a warrant for my arrest. At the time it was accurate, but I have corrected the issue with CERTIFIED forms that the case is dismissed. This report is still keeping me from being hired form jobs. 

I would like it to be corrected. 

The companies involved is GIS, and the USPS HR department.
We purchased our home in XX/XX/XXXX with our first mortgage payment due on XXXX/XXXX/XXXX. In XXXX XXXX, LoanCare, LLC purchased our loan. When we closed in XX/XX/XXXX, both our property taxes and hazardous insurance were paid for the entire year. Our estimated monthly payment was supposed to be {$2500.00}. We paid this amount XX/XX/XXXX thru XX/XX/XXXX. In XX/XX/XXXX, we receive a letter indicating the MI was inadvertently missed on the monthly payment. Monthly payment in XX/XX/XXXX went to {$2800.00}. We received another letter indicating that because there was a shortage, additional payments were needed to catch up. Upon review, we noticed that the MI had been included but the property taxes had been missed. Then we noticed that the property tax amount charged was incorrect. On XXXX XXXX, XXXX, we submitted an online inquiry to Loancare, XXXX, detailed all payments made to date, included a correct calculation of our monthly bill [ ( {$2000.00} principal and interest ) + ( {$270.00} MI ) + ( {$410.00} property tax ) + ( {$41.00} haz insurance ) = {$2800.00} ] and attached our current property tax bill to confirm the information. We asked that the property taxes be adjusted to actual, a new monthly payment be calculated and our escrow reserve be adjusted accordingly ( Ticket # XXXX ). I was told the inquiry would take 5 business days to complete. XX/XX/XXXX payment was now {$2900.00} which we paid. I have made numerous calls to get a status trying to get this issue resolved. At first I was told that there was no new information ( XXXX/XXXX/XXXX ) - I asked to speak to a supervisor and was denied ; then that the property tax division had researched the information and had adjusted the property taxes and had sent the file to the escrow department to compute a new monthly payment ( XXXX/XXXX/XXXX ) - excited that things were moving, I was told to call back at the end of the month. Then I was told that the property tax department was not done with their research ( XXXX/XXXX/XXXX ). Then I was told that they were done and when I asked what my new property tax amount was it had not changed from the original incorrect amount. I indicated that this information was incorrect, that my property tax bill had been attached to corroborate this information. I was then told that they would send it back to the property tax division to review which would then forward the case to the escrow department to re-calculate a new monthly payment - back to where we started with my original inquiry on XXXX XXXX, XXXX ( XXXX ) - this was the only time a supervisor addressed me. At this point, its XXXX XXXX and another inflated monthly payment is due! XX/XX/XXXX monthly payment is {$2900.00}. We will continue to pay our principal, interest and MI but will not re-start property taxes and haz insurance until this issue is fully resolved. I would like to submit a complaint against LoanCare, LLC. for their blatant negligence in financial accounting, inefficient and inadequate ability to resolve issues within the time frame they have established.
I VE BEEN HAVING SO MAY ISSUE WITH THIS FINANCE COMPANY SINCE THE START OF THE LOAN. EVERY TIME I DISPUTE SOMETHING ON MY CREDIT REPORT THEY COME BACK WITH THE SAME ANSWER. THAT IS WHY I CHOOSE TO TRADE MY CAR IN AND GET FINANCED THROUGH ANOTHER FINANCE COMPANY. I CANT SEE MYSELF GOING THROUGH THIS FOR THE NEXT 5 YEARS WITH THIS FINANCE COMPANY NOT UPDATING MY CREDIT REPORT ACCURATE EACH MONTH. EVEN WITH XXXX XXXX I SENT IN THE DOCUMENTS THAT SHOWED THE ACCOUNT IS PAY IN FULL OR ANY DOCUMENTS THAT SHOWS MY DISPUTE OR WHY I AM DISPUTING THIS WITH THE DOCUMENTS THEY DONT USED THAT. SO WE ARE BACK HERE AGAIN WITH THE SAME ISSUE AND THIS TIME THERE SHOULD NOT BE ANY REASON WHY MY DOCUMENTS THAT I HAVE LISTED DOESNT GET FIXED. SO A LITTLE BACK GROUND ON THIS, MY ACCOUNT WITH XXXX XXXX WAS OPEN ON XXXX XXXX AND MY FIRST ON PAYMENT ON THIS ACCOUNT WAS MADE IN XXXX OF XXXX. ON MY PAYMENT HISTORY I AM MISSING THE TRADE LINE OF THIS ACCOUNT FOR XXXX OF XXXX AND WHEN YOU LOOK AT THE OPEN DATE WHICH SHOWS XXXX XXXX XXXX IT SHOULD ALSO SHOW ON MY PAYMENT HISTORY AS OKEY. WHEN YOU LOOK AT MY PAYMENT HISTORY IT STARTS WITH XXXX OF XXXX. ON MY EARLIER CREDIT REPORTS IT SHOWS THE MONTH OF XXXX OF XXXX SO WHY DOESNT IT SHOW HERE ON THIS CREDIT REPORT. I HAVE MADE ALL OF CAR PAYMENTS ON TIME FROM XXXX OF XXXX TILL THE LAST PAYMENT WHEN I TRADE THIS CAR IN AND THE XXXX XXXX RECEIVED A DEALER CHECK FOR THE AMOUNT {$11000.00} ON XXXX XXXX XXXX. I HAVE MADE PAYMENTS ON THIS ACCOUNT FOR 15 MONTHS FROM THE MONTH OF XXXX OF XXXX TILL XXXX OF XXXX. SO ON MY CREDIT REPORT IT SHOULD SHOW PAYMENT HISTORY AS OKEY OR CURRENT FOR XXXX OF XXXX TILL XXXX OF XXXX. ACCORDING TO OUR LAST DISPUTE XXXX XXXX HAS NOT UPDATE MY XXXX XXXX CREDIT REPORT ATT ALL. IT SHOWS A BALANCE AND IT SHOW THE LAST TIME THEY UPDATE THIS REPORT WAS XXXX XXXX XXXX. WE ARE IN THE MONTH OF XXXX XXXX XXXX. THEY ALSO SENT ME A LETTER THAT STATE THIS ACCOUNT IS CLOSED WITH A XXXX BALANCE AS CURRENT AND THEY ALSO ENCLOSED MY PAYMENT HISTORY ON THIS ACCOUNT. I WANT XXXX XXXX TO GET WITH XXXX XXXX AND I W ANT XXXX XXXX TO GET WITH XXXX XXXX AND UPDATE MY CREDIT REPORT ACCURATE.
I obtained my federal student loans in order to attend XXXX XXXX ( graduating in XXXX ), and I subsequently refinanced them with XXXX. XXXX subsequently sold the loans to XXXX XXXX, who then sold them to Navient. XXXX had a principal payment option electronically available on their web site when they had my notes. Navient has no process to make principal only payments, and refuses to recognize my requests to make them, even though my accounts are on auto payment and in good standing. It seems that if you would like to avoid their archaic repayment system that appears designed to ring every possible cent of profit out of a note, you have to save your extra payments until you have enough in the coffee can to pay them in full. So while the documentation I signed say there is no prepayment penalty, Navient effectively adds one by refusing all pre-payments until the loan is repaid in full at that moment. And they pass this off by saying that it 's the Department of Education 's fault, because they decide the repayment terms. I 'm certain, however, that the Department of Education has not precluded Navient and other firms from accepting principal only payments from customers in good standing unless it comes in a full payoff. The effect of Navient 's position is illogical on its face, and absurd in its impact. This is clearly a profit motive on the part of Navient to deny principal only payments, and I believe they should be held to account. My Navient account number is XXXX, and I am willing to provide statements as required to support my claims. My most recent discussion with Navient took place on a chat board on their site on XXXX/XXXX/XXXX, beginning at XXXX XXXX. This is what that discussion looked like : XXXX XXXX XXXX XXXX I do apologize, all payments are applied to the interest first and then once interest has been satisfied, payments will be applied to principal. XXXX XXXX XXXXXXXX XXXX I 'm sorry, that 's not my request. I want to make a principle only payment. XXXXXXXX XXXX I would like to know how to do that. XXXX XXXX XXXX XXXX I do apologize, that is not an option.