WillisBack/dataset-financial-user-claim huggingface dataset:
I was under bankruptcy because my mortgage was XXXX $ so I was contacted by XXXX XXXX XXXX XXXX and they work with preferred law, this was in XXXX 2015 so we started a packet they asked me to fill out documents send them back and they said my file will go to my lender and a negotiator and that it will take 10-15 days we 'll they been asking for the same info for six months they collected over XXXX, they claimed my insurance was escrowed Ave it never was, the switched all my contact info to them so I could n't contact my lender not could they contact me, they had me stop my bankruptcy, and also told me not to send any money to my mortgage, I 've asked over and over for proof and results since it 's been over 6 months or to give me a refund they did n't try to resolve it nor when I kept asking for proof and asking questions they ignored it they said they closed my case and I probly ca n't get a refund because of all the so called work they did, ask they have done was have my old mortgage servicing company send them my mortgage note, I at my own expense sent all required documents called my lawyer and did most of the fit work, I did alot if work on my end they ca n't show me proof of anything but asked for more money they said the {$3900.00} was for ask the work they done and that the extra money is for continuing my case well that 's what the letter I got says they have a retainer agreement that says that amount of extra money is for something else and i was verbally told the money is for them and then getting needed info I 've caught them in so many lies and nothing ads up all I isa refund so my child can have XXXX there 's so many discrepancies i ca n't think of them all to note but I can say this they have complaints with the XXXX even on there own XXXX page under preferred law they have complaints I 'm trying to do ask that 's possible get my money back and try to get a real modification, I have a new mortgage servicer which I never knew about I accidently going found out about then when I got insurance I 've tried contacting them with no luck because preferred law had it so I ca n't. I was trying to get a modification through XXXX XXXX and they denied me, note I 'm going to try state bridge but they will not return my calls it looks as if I 'm going to lose my home and I do n't even know if I 'm in foreclosure because I have no contact with them they 're not rerunning my calls
I disputed a transaction because I received a faulty product from XXXX XXXX. XXXX admitted the product was faulty. They refunded my money after refusing to refund me when i went into the store initally. It was a huge ordeal, but they finally refunded it after acknowledging the product was in fact, faulty as received. This product happeend to be a computer component that ended up damaging another component ( that was also purchased from XXXX ). I went into XXXX and told them what happened and that the product was damaged by their faulty equipment in the first place. They refused to refund me my money even though they h ave a policy regarding defective equipment ( it is not barred from refunds ). After they refused to refund me for the piece of equipment that I bought from them that their intially purchased product damaged, I submitted a dispute to Discover Card. Discover closed the dispute in my favor a couple of weeks later. I have the documentation of this. A couple weeks after taht, I received an email stating that they reversed the credit because XXXX XXXX " disputed '' it through them. They gave me an opportunity to present my documentation in response to XXXX dispute. Or so I thought. I spent hours drafting my respoonse and getting a witness statement because everything that the XXXX manager that I dealt with and that drafted the response to Discover Card said, was a blatant lie. I faxed my documentation in the same day and I spoke to discover today who still is refusing to protect me and the purchase. At this point, XXXX refuses the refund even though it is within their policy. Discover Card is gave me the opportunity to present my evidence which I did, but they are n ow completely overlooking it, and I am out over {$200.00} for a computer component that does nto work due to the original XXXX component damaging it. This is not fair. Discover said that they wil lnot take any of my statements into considersation simply because of the response they received from frys. I want to know how this is fair to a consumer to have a manager make up lies and have those hold water over their " valued '' cardmember 's statement ( and a witness statement ) and other supporting documents. My complaint is towards DiscoverCard in not accepting my rebuttal or evidence to approve my dispute.
Company is re-aging debt that should be listed as XX/XX/2012 as first delinquency. Showing on credit report as a new collection with date reflecting new date.
I was part of the Equifax credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place.
I have a card with American express, and they emailed about a XXXX   interest pay overtime until XX/XX/XXXXof this year XX/XX/XXXX.

We got a limit of {$35000.00} for this pay over time.

So i had a bill with one of our suppliers for {$29000.00} that we needed to pay, so we thought to use this promotional offer, But since this is a larger amount of our regular cash flow, we reached out to american express customer service to confirm that this charge is eligible for this 'Pay over time ' promotion, and they gave us the OK, and we charged that amount.

Shockingly we saw our statement with a minimum payment due of {$29000.00}, with a due date of XX/XX/XXXX, and a penalty APR of 29.99 % if its not paid.

I called spoke to a supervisor name XXXX from XXXX  AZ branch, and was promised if i pay {$6000.00} she will move this large charge into Pay over time.

We paid the {$6000.00} in full on XX/XX/XXXX and today isXX/XX/XXXX and they still didnt fix this, and i scared of this bill how this will end up on our company.

I believe this was all a dirty trick they used to push us into the 29.99 % APR. and they should stop doing this and give us compensation for our painful time that we are so anxious about this.
On XXXX XXXX Progreso know known as Oportun called to request a payment be made to my account and because I had fallen behind and I scheduled a payment to be taken directly from my current XXXX XXXX XXXX checking account. I agreed to have the payment taken from my account on XXXX XXXX, 2016 ; however, for whatever reason the young lady mistakenly processed my payment that same day and it was taken from my account on the wrong day after I had already gone into detail about the lack of funds available to process the payment any sooner due to my recent divorce. The payment had not been authorized for that day and she acknowledged that she had made an error on my account. Unfortunately, due to bank policies and fees my account was hit with XXXX seperate fees, each for {$35.00}. ( 1 ) for the initial draft of {$210.00} that was not authorized for that date ( 2 ) for a {$25.00} payment that was for a credit card I had scheduled my minimum payment for and only had the money needed to cover this charge and ( 3 ) an additional {$35.00} charge because the account stayed overdrawn for over 5 business days. I spoke to the Progreso now known as Oportun to inform them immediately about what would happen before the charges hit my account and they stated that the payment would not be paid, but I knew from previous banking experience that it would given my good history with the bank. I also informed them of my credit card payment being kicked back. I have requested a letter apologizing for the inconvinience in hopes to provide that to the bank and the credit card company but have been denied twice and as of yet have gotten no response to them crediting me back for the error they caused on my account. All they keep telling me is that they gave back the money for the initial error, but have yet to fix the other issue of the fees they caused on my checking account due to their error in posting a payment before the date it had been authorized. I have contacted them on a weekly basis since this happened and as of today any time I call, I have to explain everything every time. Nobody is taking accountability for the error their employee made and they definately could care less if I am out {$100.00} and are unable to provide an apology letter, but I do get letters asking for payment of a past due amount that is incorrect because they still owe me money too.
this loan originated in  XX/XX/XXXX . I have made consistent payments since  XX/XX/XXXX . almost 10 years. Variable rate loan. I have made late payments but the payments have been made monthly with a few exceptions. The balance never goes down, For the original  XXXX  loan I pay arou nd 96.00 p er month. the pay off date is  XX/XX/XXXX . Every time I request a payoff the balance is the same, Just over  6k. NAVIENT h olds the loan. I have asked customer service repeatedly about this problem and requested payment histories to no avail. They say its the interest. I was told 2 years ago I should start seeing the UPB go down I have seen little to no no decrease. I have heard that Navient previously  XXXX   XXXX  have used questionable billing tactics in the past and I just want to know if my payments are being applied properly.
On XXXX XXXX, 2014 I applied online for a Sam 's Club MasterCard offered through Synchrony Bank. My application was approved and I was informed that I would receive my card in 7-10 business days, after the quoted duration passed I called to inquire about the card and I was told that I do n't get a card and that it 's on my Sam 's Club membership card. Confused at this I questioned the CSR more and found out that they had given me a line of credit I did not request, the Sam 's Club Personal Credit Card, which is a line of credit good only at Sam 's Club locations. After attempting to get this, obvious to me, error resolved through their Customer Support number and then eventually through a XXXX complaint I was left with a hard pull on my credit report and a useless to me credit line. Since my complaint they have fixed their wording on the application which could be loosely construed as an admission of fault.
I have purchased my home back in XXXX XXXX with IndyMac mortgage. I received an unfair high interest rate that was adjustable .Due to the XXXX recession, I requested a loan modification which was declined.
I received a response from Citibank a couple of weeks ago ( Case number : XXXX ). I do not agree with the information in the response as it relates to the new card being activated. I have not activated that card and I left a voicemail for XXXX at Citibank that the card is not activated and will not be activated until I heard from Citibank. I want to know the date, time and how the card was activated. The only time I have been on the Citibank Website is to pay my bill so I am not late and this should not activate a card. I also have a concern for identity theft since during my initial call on XX/XX/XXXX that I have been told is not documented that I gave the person who I spoke to my full social security number. I also have a concern that 5 days after I rec 'd my new card in XXXX via XXXX that I also rec 'd a card in the mail with the same number - would this card have been activated if someone would have tried to use it? I do not have confidence in the security at Citibank for the Costco Visa.
Continental Finance Company pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry is fraudulent and unauthorized. I never applied for anything from Continental Finance Company on XX/XX/2018.
Homeowners  Protection Act of 1998 states that PMI will be AUTOMATICALLY terminated upon reaching the 78 % LTV date. After repeated attempts to get CitiMortgage to drop the PMI ( never a late payment, well after the LTV 78 % date ), CitiMortgage insists on an appraisal ( at my expense ) to c ancel.
In XXXX XXXX, I leased a brand new XXXX XXXX XXXX for 24 months from XXXX XXXX XXXX in XXXX, RI. My payments were automatically debited from my account each month on the XXXX. I never missed a payment. In XXXX XXXX, I bought a XXXX XXXX. XXXX XXXX in XXXX, RI figured my mileage overage and the rest of my lease payments and rolled it into my loan. I received the check somewhere in XX/XX/XXXX/XX/XX/XXXX XXXX to payoff Toyota Financial Services for the rest of the lease. I turned in my lease to XXXX in XXXX XXXX a few days after I purchased my XXXX. XXXX kept taking out the lease payment and the gap insurance each month, roughly {$330.00} total. They stopped the payment in XXXX. They had tried calling but I did not want to pay out the remainder of the lease until I received a bill. I never received XXXX. I am buying a house. My credit as of XXXX XXXX, XXXX was XXXX. My loan was approved for 5 % down between 4-5 %. I have been working with a broker to get my score higher. My credit showed a balance from Toyota for {$280.00} ( on-time payment ) as shown in the report attachment dated XXXX/XXXX/XXXX as the last line item. You will also see my loan from XXXX. My broker instructed me to just call and pay Toyota to clean up my report. I called to pay the {$280.00} and the representative asked what made me think I only owed {$280.00}. I said because it was on my credit report, even as an on time paid account. They told me no, that the balance was now {$5000.00} ( the date I called was XXXX XXXX ). They said they sent the letter out XXXX. I received the letter in the mail on XXXX XXXX. As of XXXX XXXX ( the day I called mind you ) according to XXXX ( see attached screen shot ) my credit dropped from XXXX on XXXX XXXX to XXXX as of XXXX XXXX. Toyota reported the {$5000.00} charge as a charge-off. Now, this is showing as a late payment the first time in over 80 months of my credit history and is coming between home ownership and myself. With my credit rating dropped, I am unable to afford the high percent rate of the loan and 10 % ( from 5 % ) down payment on my new home, scheduled for closing XXXX/XXXX/XXXX. I am supposed to close XXXX XXXX and all was set until Toyota messed up my credit rating just days ago from a lease that I turned in early, approximately XXXX XXXX from the end of lease date of XXXX/XXXX/XXXX. I want this taken off my credit report so I resume buying my house with the terms that were set in place with my mortgage approval. I have spoken to more than XXXX representatives in the past 3 business days and all I get is we are researching it and if Toyota made a mistake, they would credit the account and then take it off the report ... but no one is working on it or calling me back. I demanded they take it off my credit and received no resolution. I am on a tight timeline with my Purchase and Sales agreement and no one at Toyota is responding. Please see attached docs.
In XX/XX/XXXX, I was approved for a modification through Wells Fargo. I was going through a traumatic divorce and they knew it. They were provided a quit claim deed and draft divorce in XX/XX/XXXX. I made my payments on time on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. In XXXX, Wells Fargo cancelled my modification without allowing my to finalize. They later stated that I had refused to have my ex-husband sign, which is false. My ex-husband refused to sign stating he had signed a quick claim deed and the house was awarded to me on XX/XX/XXXX. I also had a protective order against him because he was trying to kill me. Wells Fargo also stated that I have not provided the documentation required even though I had emails proving that I had. They forced me to open a new modification request, denied it in XX/XX/XXXX. I pursued escalation and they opened another request and approved. I made my trial payments again and am awaiting finalizing. I have asked that they correct my credit report to show I made my payments and to correct the damage their actions caused.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXdebt collector : Financial Recoveries XXXX 

My name is XXXX XXXX. I sent a dispute letter out to Financial Recoveries using certified mail on XXXX/XXXX/2015. It has been XXXX days since i sent the letter and when i called them, i get different dates XXXX has received it. I then tell them it has been thirty day and the response from Financial Recoveries was the companies XXXX days to responded start from the day it is received the dispute and not the day it is mailed out. is this true? if not, could you look into it. Plus, the collect account is still being reported has open or closed and not " being disputed '' could you pleas look into that and see which is not report Financial Recoveries or the credit Bureau XXXX because Financial Recoveries is saying that it was reported the credit bureau.
In XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The lender at the time was Condor Capital who was later shut down by a court in N.Y. for fraud. I had full gap insurance included in the bill of sale which covered loss of employment. Roughly six month after purchase, I lost my job and couldn't afford my monthly installments and the vehicle was repossessed. At this point the debt was relieved by the gap insurance and I no longer assumed the burden of the loan. I then moved abroad to XXXX and lived there for the next six years. During that time, apparently I was taken to court via XXXX XXXX and never received the warrant for debt as I was living abroad prior and during that being issued. I filed a complaint with the credit reporting agency that this collection was invalid and they removed it from my credit file. Seven years later in XXXX, XXXX XXXX XXXX wrongfully placed a lien on all bank accounts and withdrew about {$380.00} from my bank account prior to the most recent court hearing. Six months passed after speaking me and XXXX is still trying to pursue this invalid debt upon stating to him that I had full gap insurance that covered the vehicle.
On XX/XX/XXXX I checked the status of my credit report and discovered a new derogotory remark on my record. It was a debt for XXXX cable home services from XXXX. Trident Asset Management is the collection service on behalf of XXXX XXXX XXXX. XXXX bought the debt from XXXX and is now trying to collect from me. I called XXXX 's in house recovery team to locate the original account ( despite knowing that I have never held a XXXX account ) and they verifed that they have never had an account number of XXXX held by XXXX XXXX ( or XXXX ). I contacted Trident Asset Management to dispute the debt, and they requested I provide proof of a different internet service provider. I am still awaiting documentation proving my subscription to XXXX internet services during that time. I have told Trident Asset Management over the phone and in writing that I never owned that debt and refuse to pay it.
On XX/XX/2017 from XXXX XXXX repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report
I received a call from the debt collector XXXX XXXX That I owed a hospital a total debt of {$1400.00}. The woman on the phone told me that if I settled today they would only make me pay half of it, {$730.00}, and that there was a letter in the mail with the same balance owed cut in half as well so I might as well pay today if I can. I decided to pay at that moment on the phone using my credit card. Now, about a week later I have received the letter in the mail, stating a SMALLER, DIFFERENT amount owed to them of only {$430.00}. That is a huge difference of {$290.00}. I spoke with the company today and they said the account had been moved back over the hospital. I spoke with the hospital and they said nothing has been sent over to them yet.
Hello, I have got my loan in early 2017, and during the process I have filled out paperwork what my new mailing address should be. which was n't processed ive called and emailed to get this changed and unable to change my mailing address. any more action that would be needed from me is un warranted due to this being filled out during my loan. Please help with this abuse
I 've reported ID Theft to Equifax for over the pass 3 years and nothing seem to get done about it. I have sent Equifax over XXXX different police reports along with my FTC Identity Theft Complaint And Affidavit they always come back account was verified. The last time I submitted a compliant to CFPD Equifax told CFPD they could n't find a credit report on me, and ask me to submit the same stuff I been submitting for over 3 years and I did that and once again nothing was done about it, I also ask for them to provide me the name, address, phone number and the person name who they talked to so I can talk to them myself it was they did n't.
OnXX/XX/XXXX and XX/XX/XXXX I sent XXXX XXXX a letter requesting for full disclosure and validation of the debt. I have since have received no response from XXXX XXXX or the Credit Bureaus in regards to this serious matter. I'm currently looking to refinance my home. This negative item that XXXX XXXX is reporting has exceed the legal time limit frame to prove that are the legal holder in due course of the account. They have continually disregarded my letters dropping my credit down 50 points for the last several months.
I keep getting letters from this company claiming i owe for services at  XXXX   XXXX   XXXX
Hello I have a complaint against Transunion. I was a victim of identity theft. In XXXX 2016 I noticed that I had items on my credit that was n't me. So I stared a dilute with TransUnion. When it came to the inquiries I was told by TransUnion that they will not dispute my inquiries and I neede to contact the creditors myself. I did that I wrote letter to the creditors. I did get letters back from the creditors either stating that the inquiries was not a hard check and should not be showing I also got letters saying that they did n't have me in the system and I even got inf back from the postal service stamped insufficient address. Now these are the address that the bureau have. I sent the copies to TransUnion however they still say they are going to remove them. I did what they ask of me and still did n't get any results!! Please help me because I 'm out of options.
XXXX XXXX XXXX ( Debt Collection Agency ) discharged a debt they claim I owed to them on behalf of a previous merchant on XX/XX/2016. I recently received a XXXX form from the IRS showing that this company discharged this debt on XX/XX/2016. In doing so, they charged it to me, whereas I must now report this onto my 2016 Tax returns. Furthermore, XXXX XXXX XXXX XXXX has continued to attempt to collect this throughout the year ( 2016 ). The latest written correspondence I received from this company attempting to collect a debt was on XX/XX/2016 ; nine ( 9 ) months after discharging it. This appears to be misleading, and undermining to their credibility as a business. They claim to have discharged this debt to the Internal Revenue Service, yet they are still trying to collect it months later. 

This is not the only time that XXXX XXXX XXXX has violated the FDPA. In fact, it seems they have a pattern of doing so.
I received an offer from Home Depot for a credit card. I went online and the system froze up and would not let me complete the application. I called the number and was told I would have to submit a new application with another hard credit report inquirery. I told them I did not want that as they had already pulled my credit and it would hurt my score. They refused to continue to process my application or remove the inquirery.
False information presented through a computer screen used to create an apparent need for unnecessary services. After securing service the provider was shut down by CFPB. Fees paid have not secured promised service.