WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of 2015, our mortgage payment went up {$53.00} due to an increase in property taxes. We have our payment set up to go out automatically on the XXXX through our bank, and it went out as scheduled in the old amount. We started getting phone calls, many a day, at work, where we could not answer them. They left no messages, and only different numbers would come up on caller ID, no company name, so we assumed they were sales/spam calls. I finally answered XXXX after work one day, out of curiosity, and found that we had been reported to the credit bureau for being 31 days past due on our mortgage. I explained the situation, but it did n't matter. They kept insisting we were an entire payment past due. I 've tried to get them to explain why they held the funds they had for 30 days, which was all but {$53.00} of the payment. They can not explain why the held those funds or why they were n't applied to the loan. They could have at least applied principle and interest and let the escrow account be short. We caught up the loan the next month, but our credit has suffered. It shows that we were an entire payment past due, not just a XXXX dollars on the escrow account. We have NEVER been late on a mortgage payment in over 25 years. They also started sending us information on avoiding foreclosure, mortgage assistance, etc., all over {$53.00}. Our loan was sold to them from GMAC ; we did not choose to deal with this company. We had problems the year before with misapplied funds, but I do not think our credit was hit through all of that. That was totally the error of Ocwen, and they admitted that it was their error.
Request your assistance to get my Kohl 's charge account credited for an on-line order that was never received. 
XX/XX/2017 - Ordered a neckless from Kohl 's web site -- total cost {$1000.00} XX/XX/2017 - Received email from Kohl 's advising me that my order had shipped. Made several attempts in the next few days to track movement of my order, however no movement was showing on the shippers site. 
XX/XX/2017 - Contacted Kohl 's customer service to determine the status of my order. 
XXXX - Received an email from Kohl 's customer support ( XXXX ) stating : 'I have checked on the above mentioned order number and found out that the delivery is still being process. We are still hoping for the possibility for the package to be delivered. Please allow some time for the carrier to deliver your package on or before XX/XX/2017. If you still did not receive your package by that date, kindly contact us so we can further assist you. ' On or about XX/XX/2017 - Received XX/XX/2017 bill - Kohl 's billed me for the bracelet that I never received. Although I never received my item I was forced to make the minimum payment to avoid a hit on my credit report. 
XX/XX/2017 - Spoke with Kohl 's customer service to complain about being billed for an item I never received and requested my order be cancelled and my account credited for the purchase price. Was advised that my account would be credited. 
XXXX - Credit had not processed. Contacted Kohl 's customer service again, ( XXXX ) requesting to have my account credited. XXXX advised me that she would get my credit posted. I also asked to speak to a supervisor. I was forwarded to a voice mail and left a voice message requesting to be called back. Kohl 's never returned my call. 
XX/XX/2017 - Credit still not processed. Called Kohl 's customer service again and asked to speak with a supervisor. Spoke with XXXX about my issue and he assured me my account would be credited within 24 to 48 hours. 
XX/XX/2017 - Credit still not processed. Called Kohl 's customer service again, spoke with 1st line supervisor XXXX, to address my issue and to stress how upsetting it is to be billed for something that I never received. Also expressed concern that the XXXX bill will be issued in the next few days and Kohl 's would not only bill me for the non-delivered item, but charge me interest as well. I also asked to speak with his supervisor. He told me his supervisor was working other issues, but would definitely call me back with two hours. I never received a call-back.
I am a single mother struggling finically. I graduated back in 2010 and have a total balance due of XXXX. I called Navient so they can try to assist me with a rate reduction plan, and according to my representative I did n't qualify because I was enrolled in that program prior. They reviewed my bank statements and clearly saw money was an issue. Instead XXXX trusty from Navient belittled me and said I need to learn how to budget. A single mother trying to feed her child, pay for my child 's needs, food, rent, transportation, etc, should not be told how to manage their finances when there barely getting by. She had no right to talk to me in that way which has emotionally taken a toll on me. I was trying to make a payment and she denied what I was trying to offer and threatened me saying my loans will be in default and I would need to go to court and pay the XXXX up front. She has been so unhelpful and I hope no one has to encounter what I am going through.
I am the XXXX XXXXt for a home that is being financed by Quicken Loans and appraised by XXXX XXXX XXXX out of XXXX TX. The lender had an appraisal done on the property and the appraiser bypassed several comparable properties that were recently sold and very similar in every aspect and used comparable properties that were almost a year old as well as devaluing the property based on incorrect assumptions about upgrades and modifications done to the subject property. This caused the property to come in {$6000.00} under the contract price. This same property had 6 or 7 offers that were above the contract price. I reached out to Quicken loans to help contest the appraisers findings and they submitted some of my the information that I submitted the first attempt. When the appraiser responded and I attempted to send additional information Quicken loans refused to send the additional information. 
This is causing an unnecessary financial loss to me and my client.
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded thaXXXX XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
XXXX XXXX uses criminal thuggish tactics in an attempt to collect payments because I fell behind in my car payments. Their tactics have caused me and my mother unreasonable harm. For example, last week on Monday XXXX XXXX, 2015, at XXXX XXXX, an agent of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX Texas XXXX, repeatedly called my mother 's home. In Particular, one person who called, identified herself as XXXX XXXX, she pretended to be a law enforcement officer by stating that " she was with the investigation unit. '' She also disclosed that she was trying to reach me because they wanted me to turn in the car implying that it was a criminal violation to owe money on a car loan. That is bad, because it appears to be a violation of my consumer protection rights and a UDAAP. It is certainly an unfair practice that puts the bank and its depositors at risk because of possibility of claims and damage to their reputation - especially if XXXX XXXX takes interest. 
As I said, that was bad, but it was not as bad as it gets. Later that night or rather in the middle of the night at XXXX XXXX the next morning, another agent of XXXX XXXX, XXXX XXXX XXXX of XXXX PA, actually came to my mother 's house. He pounded on her door and woke her up in the middle of the night! 
Imagine this : she looks out the window and sees someone with a flashlight in her side yard and backyard - and then actually pounding on the door in the middle of the night. She opened the door to a man in a uniform with stripes on his pants who identified himself as from the " PA Investigative unit! '' saying he was looking for XXXX XXXX. She said " for what? '' he repeated the question and then said he was looking for XXXX 's Dodge Dart. My mother told him she was calling the local police. She then came back to the front door with her phone in her hand and asked for his name and rank, He handed her a paper and said " You are served!!! '' She was scared to death, he appeared to be armed, but as she said she was calling the police he quickly left. He tore down the street out of town and went back to XXXX, Pa where we believe that operation is located. My mother was confused and did not call the police. She then looked at the paper he gave her and then she read that It only said " Sorry I missed you. '' I have the paper for you to review. But their tactics made her believe it was a legal process. Again, what government agency allows people to pretend to be law enforcement and knock on peoples ' doors in the middle of the night? 
Finally, I tried to catch up on arrears because of this intimidation and then they told me that they would not take the back payments that I had to pay the balance in full plus additional charges for their thugs. My account with XXXX is XXXX.
I have WRITTEN EXPERIAN on 2 occassions asking them to remove the EXTENDED FRAUD ALERT, they told me to submit the request in writing and I did. And the FRAUD ALERT is still there. I DON'T NEED the fraud alert because I can LOCK my credit reports with the touch of a button.
nothing against amercian express but have been writing since XX/XX/XXXX with no response. affected by catastrophic illness and vabdlaism to my home with some interruption to cash flow has been hard. i am a loyal long term customer here and wrote in about some forgiveness of my balances. NOthing with strings attached just loyalty for loyalty like XXXX forgiveness on each. every day card and business this would make a huge impact. and help me so this is not a complaint. i dont need hardship just some loyalty and next month is my birthday PLEASE cosnider PLEASE. i use it carefully, pay and some of the expenses are for problems and hardshiips like flying my son for XXXX or for vandalism to my home. i have heard nothing on my letters PLEASE help please no scripts. Please give back what i have given to you when i need it PLEASE please help me think of all the money lost to bad customers when they dont pay PLEASE help PLEASE PLEASE PLEASE it will cotninue to earn my loyalty PLEASE
I 'm finding it impossible to access my WalMart credit card statement. WalMart promised me a refund of {$230.00} for a botched delivery, but I ca n't get them to fulfill that promise.
I have deliberately overpaid my Target Red credit card, which resulted in positive credit balance, in order to increase the purchasing limit on my Target credit card. But when I tried to use my card, Target suspended it and did not allow me to use their card to make purchases, nor did they accepted to close the account and refund the credit balance. 

I contacted Target to resolve the matter, but Target kept stalling and delaying for unreasonably long period of time. First they requested that I fax them XXXX documents to " verify my identity '', which I complied with by sending them the documents more than once as Target claimed they " did not receive '' my fax. Finally, Target admitted that they did receive the documents to verify my identity. 

But even after verifying my identity, Target refused to release the funds to me ( by letting me use the card, or by refunding me the balance on my credit card ). This time, Target demanded to verify the source of funds that I used to overpay my credit card, so I explained to them that the source was prepaid XXXX debit cards, which I used in their own store to pay my target credit card, and therefore they have the detailed record of the source using their own system, but Target still refused to release the credit balance with the pretext that they " need to investigate the source of the funds '', and they refused to give me a date for when their investigation will be competed. 

Already one whole month has gone by for this investigation and the investigation does not seem to be going anywhere, and to me it seems Target wants to keep this investigation going indefinitely for the sole purpose of stealing my credit balance rather than to actually do any investigation.
I sent XXXX XXXX XXXX collection a dispute letter on XX/XX/2018 asking for validation of a debt they claim I owe. it's been 3 months I haven't received any response. I sent the letter via certified mail, I have tracking number that prove that the letter was received.
I sent a letter to the Portfolio Recovery Associates on XX/XX/2018 requesting that they validate, NOT verify, a debt that they are reporting on my credit file. I, then wrote XXXX   and XXXX on XX/XX/2018 to inform them that the company never responded to my request. XXXX  responded by deleting the invalidated reporting. XXXX has " verified '' the reporting as accurate by matching the reported social security number to mine. This is not proper validation. Portfolio Recovery Associates did not respond to my request for validation in a timely manner as according to the law. Not only did they fail to provide any documentation or evidence bearing my signature, they failed to reply to my request to have the item delete as they are legally required to do. On XX/XX/2018 PRA sent a billing statement in reply to my request for validation which does not prove that I am obligated to pay or owe this debt. They sent the same documentation again on XX/XX/2018 and stated that they have " completed their investigation '' and will " not be conducting another investigation '' because my " dispute alleges no new facts and includes no new information in which to form the basis for a new investigation. '' They have reported delinquent and invalidated information to the credit bureaus that I am asking to be deleted.
Eqyufax is guilty of XXXX Discrimination. My credit score was XXXX and now it is XXXX. 
Equifax use their own discretion when it come up with your credit score. I would like an investigation into how they determine one 's score.
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Bank, XXXX, XXXX Bankruptcy Chapter XXXX, XXXX XXXX XXXX XXXX, XXXX.
I had an account with freedom furniture that I opened sometime in XXXX for the purchase of a television. I made my payments as scheduled till XXXX of XXXX when I got out of the XXXX and moved XXXX. I made effort to make payment to the company but they where taking payments out of my account that I did not authorize. I had to close my account to keep them from taking money. I ask for a statement which I never received therefore I stopped making payment because they would not provide me with this information. several years went by and i started getting harassing phone calls and emails with threats about payments. I returned an email stating i would make payments of XXXX dollars which they started taking XXXX dollars each month not what was agreed. After a year i asked the company to send me some type of statement showing what I owed on this account ( not provided again ) where I was told I was n't paying enough and my bill was now XXXX payments behind due to not making full payments of {$280.00} which was not agreed to and that i still owe {$24000.00} for a tv but they would make a one time payoff of XXXX. I again asked for some type of paper work and did n't get it. I again had to cancel my card to stop them from billing me this month they called right away and threaten to send me to court again and told me I now owe XXXX if I pay today. I do n't believe there practice is in anyway legal nor ethical is there anything I can do.
Dear CFPB, Compass Bank has manipulated the dates of the transactions that are the subject of my original Submission, case # XXXX. Those transactions took place over the course of many months during XXXX on the account ending in XXXX. NOT in XXXX XXXX as the letters that came in the mail suggest ( attached ). The bank closed that account because of the fraudulent activity and opened the new account ending in XXXX. My original submission shows all of the activity and the dates. I 've also attached a dated copy of some of those fraudulent withdrawals. My original submission shows that Compass Bank admitted the transactions were their errors. After disputing those transactions Compass Bank reimbursed my account {$130.00} and I never heard anything else from them about the remaining amount due to me. Since then, In one year Compass Bank has inappropriately charged my account {$5100.00} in NSF and OD fees. I have attached all new correspondence with Compass Bank. I drained my savings account trying to keep these NSF and OD fees from growing even more out of control. A family member told me about Consumer Financial Protection Bureau. That is when I contacted You for help. I stopped using the account because it had already been charged more fees and was in the negative again ( - {$890.00} ). 
After CFPB contacted Compass Bank they make it look like they are reimbursing the money that was owed to me from XXXX. When in fact all they did was reduce the amount of inappropriate NSF and OD charges that were caused by them not having returned my money at the time of my dispute in XXXX. The only thing this money did was put my balance to {$0.00}. I really was n't reimbursed at all. They have now changed the date of those original unauthorized debits to XXXX XXXX, XXXX in order to confuse the situation and get out of reimbursing the {$5100.00} in NSF and OD fees taken since XXXX of XXXX. Then they closed my account. 
In the letters that I received from Compass Bank, they changed the dates of those errors from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Therefore they investigated the NSF and OD fees that occurred since XXXX XXXX, XXXX and sent me a check for {$42.00} and said this case was closed. 
This is blatant theft and I want all of the NSF and OD fees and the unauthorized debits that they have taken from me beginning XXXX of XXXX and I want it back in the same order that they took it from me. I want {$5100.00} that I was charged for nonsufficient funds and overdraft fees. Then I want the unauthorized debits that they took in XXXX - XXXX. 
Please help me recover all monies that Compass Bank took from me. Please do n't let them get away with this. I am an old woman that lives on a fixed income. The money that Compass Bank took from me was inappropriate. 
I am asking for your continued support in helping me recover all of the money that Compass Bank inappropriately took from me. 
Thank You,
I have not reached a resolution with US Bank. I have not been informed as to why US Bank allowed a merchant to debit my account for a return check fee. The merchant has laws it must abide by to collect its return check fees. Thus, the method used was not lawful and caused my account to become overdrawn. US Bank is not legally allowed to charge overdraft fees for electronic debits which US Bank charged me. The merchant never contacted me by letter to initiate payment of the fees, nor did US Bank follow its banking laws. In addition, US Bank charged me overdraft fees for items paid on XXXX/XXXX/2014. The items in which US Bank referred to in its letter dated XXXX/XXXX/2014 as unpaid were paid, yet US Bank charged me insufficient fund fees for each item paid. To my recollection the items debited my account on XXXX/XXXX/2015 and was paid on XXXX/XXXX/2014 leaving a balance of {$29.00}. Shortly thereafter, US Bank applied NSF fees to my account. I had paid the items and was still charged NSF fees which is not US Bank informed me of in a conversation regarding returned items. US Bank banking guidelines are not specific because it should state a specific time a customer has to pay NSF fees ( such as : XXXX hours, on the date of transaction, etc. ). Nonetheless, US Bank has been allowed to provide its customers with information not written under the banking laws guidelines. I am being XXXX thing or another and left to see what happens if I follow the information of its customer service online and phone representatives. This has cost me and I would like to have my money returned to me XXXX. I do not have any of my bank statements in question ; therefore, since US Bank has not a been able to come to a resolution that I agree with, I would like a copy of all bank statements from moths that my account had become overdrawn.
Someone was able to use my information to obtain goods and services. I have asked these companies several times to remove the information or verify the inaccurate information. 
I am requesting a signed copy of the agreement which i have no knowledge of. 
I have notified all companies this information is inaccurate
I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX illinois. I was misled regarding loans. The school falsified my signature in a few loan papers to obtain loan money. I was not aware when this happen all I knew is that the school kept me going to classes. I never graduated with my fellow students. I had to pay for the associate diploma. The department of education has an application for loan forgiveness going but in the mean time XXXX has sold the loans to Navient and other recovery agencies and they all have different loan amounts. I need help resolving this matter
Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report an account from XXXX as open and derogatory. They were listed and included on the creditor XXXX at the time of filing which was XXXX XXXX, XXXX.
Carrington Mortgage Services is the servicer of my FHA mortgage. I received a letter from my local tax office informing me that my XX/XX/XXXX city taxes that were due XX/XX/XXXX are now delinquent and a tax lien will be placed on my property if taxes are not paid by XX/XX/XXXX. After contacting my local office to inquire about the letter, and Carrington Mortgage Services, I have determined that Carrington Mortgage Services did not pay my XX/XX/XXXX city taxes from my escrow account. Carrington Mortgage Services has not been helpful in resolving this issue. When I contact them, I immediately get transferred to XXXX XXXX XXXX. After contacting Carrington/Lereta for the past week ( 5 business days ), the only information I have been able to obtain is that " the situation is being researched and escalated. '' I have not received any other information to confirm taxes are in the process of being paid. Infact, I have not received return phone calls as promised from XXXX, to update me on the status of my unpaid taxes. 
In summary, my XX/XX/XXXX city taxes were not paid from my escrow account and a tax lien is going to be placed on my property if taxes are not paid by XX/XX/XXXX. Carrington Mortgage Services has done nothing to help resolve this issue since I made initial contact with them on XX/XX/XXXX when I faxed them a copy of the delinquent tax notice.