WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX and my wife submitted a complaint regarding my Walmart Credit card on my behalf because she handles all the bills. I was receiving phone calls from Wal-Mart and let my wife know, but when she contacted them, the automated system advised that there was not a payment due until X/XX/17. A couple more days passed and I was still receiving calls so my wife and I called Wal Mart ( actually XXXX XXXX on b/o Wal Mart ) who advised that we had a past due payment that was due XX/XX/XXXX. Granted they were sending emails to me at an email address that I no longer use, however, I still feel that we acted in good faith by reaching out to Wal Mart. We spoke with XXXX on XX/XX/XXXX who admitted that the automated system was having issues, but that they sent us emails and letters. While I understand this, I still feel like there are so many ways to communicate nowadays, and my preferred method is to make a phone call, not read mail so much seeing I get so much of it and am on the go a lot, and any reasonably prudent person would not think that a reputable multi-billion dollar company such as Wal Mart or XXXX XXXX would not have an automated system that did not function properly. I have attached the automated system recording as proof that it provided inaccurate information to us. They have reported us to the credit bureau which we also plan to dispute as we are in the process of a new home purchase and things like this can potentially impact our credit.
I have found that Discover has been charging me interest from 2 different time periods. Neither of these times is a Cash advance. 

They charge interest on the whole balance for XX/XX/XXXX to XX/XX/XXXX Then a different interest rate from XX/XX/XXXX again on the whole amount. 

Now during the first time period didn't I pay the interest that was due for that time, on the balance then? Why is it still being charged? They are able to collect past interest rates on today 's balance? 

How can I be charged interest from then on today 's money? Plus interest on today 's money as well? 
I have sent emails asking them to explain this but they did not respond at all.
I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company Experian XXXX. XXXX XXXX XXXX, TX XXXX for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency Exeperian claimed that Exeperian violated the FCRA by the company Exeperian allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 

Requesting one last time that this erroneous reporting be deleted from my credit file Immediately!
I was contacted today ( XXXX/XXXX/15 ) by a representative from National Enterprise Systems trying to collect on a payday loan which is likely past the statute of limitations and illegally issued. Legal action and arrest were threatened.
My daughter received a loan from Sallie Mae for tuition this semester, and I co-signed. To keep the budget manageable for her, I 'm making the monthly payments while she is in school. 

When I got the first bill I signed up for auto debit ( i.e., Direct Payment via ACH ). They provide a .25 % discount on the loan rate. I provided RT/DDA etc, and was n't paying much attention on the amount. The first payment is due XXXX XXXX, so I just checked again, and I 'm signed up to pay the minimum, so thought I 'd call them to see how I could bump that up a bit on a recurring basis each month to shorten the loan repayment period ( there was no info on their website about how to do this ). 

But Sallie Mae does n't allow it!!! Sallie Mae only accepts the minimum payment when the borrower signs up for auto debit. This binds the borrower to a longer loan repayment period - and earns more interest $ $ for Sallie Mae. When I called, they confirmed that the system only allows the minimum payment for auto debit, and that to pay more you have to send a check or make an additional payment via online banking, which is not customer friendly - and less convenient as it adds another step. 

This smacks of corporate shenenagans - offering a .25 % discount for auto debit, but then only allowing minimum payments for the benefit of Sallie Mae. I mean, think of all the poor graduates who want to use the convenience of ACH debit to manage their expenses, and now they get locked into paying more interest because the life of the loan gets extended.
For over two years I have requested documentation on the number of foreclosures, census tracts and value of the homes at the time of foreclosure. Wells Fargo has not responded to my request. On the day of my foreclosure sale, I provided documentation that that were funds available to reinstate the loan. This was the exact information that I had provided 30 days prior. I was attempting to get a modification which was denied because utility bill which was mailed to my post office box was not mailed to the house address. Although the bill had the service address noted. This was unacceptable to me because in a previous modification this documentation had been accepted. I believe my case on e on my any in which Wells Fargo was attempted to clear and clean its books of low preforming mortgage loans in low to moderate income areas by shifting them to a another sister organization owned by Wells Fargo once they were foreclosed.
During the course of my mortgage, there have been several occasions where I have fallen behind on my payments. Each of these times, the mortgage company offers to assist with the problem BUT they have repeatedly tacked on charges in the amount of {$5000.00} or more saying it is legal fees incurred by them for starting the foreclosure process? My mortgage has gone from the original {$90000.00} up to around {$150000.00}. How can they do this? I have been amiss in doing anything about this because I have felt like I was at their mercy and because I HAD TO HAVE a home to live in. Can you help in any way?
Hello my name is XXXX XXXX. my investigation is not yet complete, from trans union, XXXX, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you
`I am trying to do a repayment plan with Caliber Home Loans. 
I have called in many times and was told I was " approved for a 12 month repayment plan '' They told me the downpayment of {$70000.00} must be in by XXXX XXXX ( I was told the letter is in the mail and I should receive it on XXXX XXXX a day after it is due to be there ) as of now II have received no paper work from them at all. I am reluctant to release {$70000.00} to them with out anything in writing stating that the NOD will be removed, further they said I must pay $ 9600 month on the balance owed which should be {$39.00} and should be divided by 12 months.which comes to much less that {$9600.00}. the reason why I asked for a 12 month repayment plan was to have affordable repayments. It turns out that they are charging me more money than the statement says I owe and they are charging me late fees for the months I am behind in addition to the late fee on the statement charging me for those same months. They also are computing the 12 month repayment plan on 11 months which is unfair and raises the monthly payment. I am unable to talk to anyone besides a point of service person who tells me that all the numbers are computer generated and no one can make any changes.
I purchased a property from XXXX XXXX in XXXX. I never got a contract from this company. After I paid a large amount of money, using XXXX credit cards, I still had not gotten a contract on the land. I live in XXXX so now I am getting concerned. I contacted XXXX, General Manager, XXXX, Office Manager and XXXX, Finance Manager and requested this contract. I get an immediate email from XXXX that stated that he sold my property, which was {$250.00} per month, last night and that he had others. I asked him for a refund. He stated he gives refunds but since I had been looking at different properties since XXXX with him, this is now XXXX, he would not refund me but would put me in a property with twice the payment or he would hold the money for me until I found something else. I then request my credit cards and Paypal Prepaid card to refund me based on this is a scam and fraud and I never had a contract. My XXXX XXXX gave me the money within two days. Paypal told me twice that they had the money, it had been refunded by the merchant and it would be refunded by XXXX and today, XXXX I get an email they will not be giving me my money because I authorized the transaction! I am willing to file a police report because I do n't even know if this is a legitimate company at this point!! I call the dispute department with Paypal and I can not speak to anyone and I get people from XXXX who tell me I am getting my money but the email says the opposite. I have spoke with an attorney who clearly sees this as fraud and I was well within my federal protected time frame for right of recession which I still am because there is no contract!! XXXX law is to have a contract notarized as well but the point is XXXX sold the ground I purchased AFTER I paid for it so I would NEVER have paid for this had I known he sold the ground to someone else that he sold to me!!! I NEVER RECEIVED ANYTHING FOR THIS MONEY OTHER THAN A CREDIT!! I do n't want to do business with this man as he is obviously fraudulent and a scammer.
On XXXX XXXX, 2017 I was contacted by phone by someone who claimed to be my grandson. This person said that he was under arrest and the Police would be willing to set bail, but I needed to get the money to the Police as soon as possible. I was told that I could n't tell anyone about this, including my husband, as there was a " gag order '' on the arrest. I then received instructions to send the bail money by gift cards, and over the course of 2 days, I purchased a total of {$5500.00} in gift cards from XXXX XXXX, XXXX, and XXXX XXXX. 

I received a second call and was instructed to give the gift card numbers to a XXXX XXXX, for my grandson 's release. After I complied, I contacted my grandson, and he told me that he was not under arrest, and it was not he who called me. I then contacted the Police Department in my town, and made a Police report. While the Police were making the report, they confirmed the phone number I was called from, was from XXXX, and was involved in fraudulent activity.
I  have two is sues that I would like explained to me by  Caliber Home Loans. Caliber pu rchased my wife 's mortgage as of  XXXX   XXXX ,  XXXX . I am entering into a modification with them right now so I would like some clarification on some facts and figures as they now have all the files.   1 ) I would like an accounting for my wife 's estate on how in a modification done  XXXX  of  XXXX , that the principal grew from {$200000.00} to {$310000.00} and if this figure is accurate, exactly what does in include for the additional money in excess of {$100000.00}.    2 )  With this same modification  XXXX  made my wife agree to a life insurance policy for the principal of the loan as part of the loan package. It was not an optional addition to the loan at that time  as Caliber  claims it was. Because it was mandatory at the time of the modification, I do not understand why on  her death this did not kick in. It was part of the package they purchased.
I disputed XXXX items on my credit reports relating to debts that XXXX XXXX had been attempting to collect on. As part of the dispute process, XXXX XXXX sent out a copy of the bill and a letter from Capital One, but I never received any validation documents, such as a signed contract or anything. While discussing it with them, they claim that the bill is validation. any help would be appreciated.
Our house was badly damaged by Hurricane XXXX almost four months ago. We have filed insurance claims for both wind and flood damage. Our major claim for flood damage was finally approved and we received a check made out to my wife and me, Wells Fargo, our primary mortgage holder, and XXXX where we have an equity line. We were very excited to receive the check so we could get our house repaired. Most contractors here want 50 % payment in advance. When I brought the endorsed check to our local Wells fargo bank, I was told that the manager would not endorse the check. We had to send it to the wells fargo Loss Protection Group and they would distribute the funds to us as the work was completed. That was the first we heard of anything like that. We filled out several forms and uploaded documents to file our claim for reimbursement. We were told that we had to have XXXX single contract for all of the work required. I said that we would like to save some money by doing some work ourselves and using multiple sub contractors. I believe that a form has been filed to allow this, but have not received any decision. I have talked with XXXX people at Wells Fargo Loss Protection and i have their names. XXXX was a supervisor who was very pleasant and helpful. She said she would call us the next day ( which was early this week ) with some answers. I have left several messages for her and received no response. 
We are living in the upstairs bedroom of our house. We just had our main contractor install insulation and drywall so the house is sealed up. The first floor is bare concrete since nearly all the flooring was removed due the the flood. It is very difficult to live with no plumbing in the kitchen and there is dust everywhere from the drywall work. Since the major damage was from flooding, there is no relocation allowance so we have no alternative but camping out in our house. 
We would like to get the restrictions removed from the insurance reimbursement check so that we can pay our contractor for the work already done and get the rest of the repairs scheduled.
OWCEN made an error on my XXXX XXXX, 2016 and XXXX XXXX, 2016 account statements claiming I made an underpayment for the XXXX XXXX, 2016 and XXXX XXXX, 2016 payment due dates, when in fact I overpaid each monthly payment. The XXXX XXXX, 2016 statement stated that I am to make a {$570.00} payment by XXXX XXXX, 2016. I used OCWEN 's automatic payment system and instructed the OCWEN payment system to initiate a payment from my Bank Checking Account the sum of {$650.00} on XXXX XXXX, 2016 which did occur. However, the XXXX XXXX, 2016 OCWEN statement says that it applied an amount of the {$650.00} that was less than the required payment of {$570.00} and that I have underpaid my mortgage obligation by displaying " Prior Payment Shortage '', even though the balance of the payment was applied to principal. The XXXX XXXX, 2016 statement stated that I am to make a {$570.00} payment by XXXX XXXX, 2016. The auto payment amount that occurred on XXXX XXXX, 2016 was {$650.00}, however, the XXXX XXXX, 2016 statement says that I underpaid again and did not meet my obligation, even though the sum of the payment applied to the obligation and the excess principal payment exceeded the required monthly payment. I requested on XXXX XXXX, 2016 that OCWEN issue a corrected statement for both XXXX XXXX, 2016 and XXXX XXXX, 2016 but OCWEN 's representative ( I have the representative 's name and OCWEN Id number ) has refused to do so. The fact that my HELOC statement incorrectly shows on two occasions that I have underpaid by stating " PRIOR PAYMENT SHORTAGE '' will affect my credit rating. The above situation is apparently is a Payment Processing malfunction and I would suspect less knowledgeable Debtors would be unable to identify the error on OCWEN 's part and have their credit ratings unduly damaged.
these are unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
This private student loan is listed as " charged off '' on my credit report, but is no longer held by XXXX XXXX. It was apparently sold by XXXX XXXX to Navient. Navient claims they sold it to a third party and have no records since XX/XX/2008. I can't figure out who has it.
My father has deposited {$1000.00} to my SunTrust account to pay for my XXXX XXXX mortgage loan. As you can see with the evidence of check image print, deposit of {$1000.00} was made. However as you can see only {$200.00} was deposited on my account. 
As a result of this horrible incident, {$800.00} went missing and my mortgage payment has been past due. With evidences attached, I have been charged with multiple late charges and fees from XXXX XXXX.
Sallie Mae has repeatedly called ( telephone ) cosigner to student loan. All payments are current or ahead of schedule. I believe the calls constitute harassment as they frequently interrupt the cosigner at his job. Sallie Mae simply calls and hangs up without leaving a message. There has been no effort on their part to inform us of any issue.
The following accounts have reappeared on my XXXX Credit Report : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX These accounts are being reported by Credit Systems Intl after being removed 14 months ago. They were satisfied, however Credit Systems continue to post and remove at their leisure.
I have successfully submitted disputes with XXXX  and XXXX XXXX about an unauthorized entity on my report. Equifax 's site does not function properly. When I enter my credentials and click " Continue '' nothing happens. They offer a chat service, but I tried to use it during their business hours only to be disconnected because there were no agents available. I looked for a phone number, but I was unable to find one.

This is the incompetent and unethical company who lost millions of people 's data and hid the fact for months last year. Now it looks like they have made it impossible to reach them.
I asked XXXX Male official with Chase Bank should bring me to XXXX XXXX XXXX discuss with me in confrontation for opening bank account, I want XXXX male helps with me in banking service so I had difficult enrolling banking check account. I do not want be alone with difficult enrolling checking account, so I prefer that XXXX Male with Chase Bank official in high position helps working with me in Chase Bank procession that I need account number and routing number. XXXX Male Chase official did not meet with me in conformation, so I wait and unhappy with that I did not hear from Chase Bank. Why I had upset with someone did not show up. I felt bad disappointed with XXXX male did not show up .. I do not want alone filling out online and I do not want alone walking to Chase Bank that I am very afraid if there might or might not discrimanated against my appearances and XXXX ( XXXX ). I just horrible upset that I did not get {$750.00} and i was unhappy with XXXX XXXX XXXX. I do not want any XXXX worker at Chase Bank. I prefer XXXX Male works with me in ordering to open new account and I want XXXX male helps calling U.S. Department of Grants & Treasury in Washington, i had their contact name and business that allow Chase Bank Male official finds out and help me with routing and account numbers, give me Chase Bank Mobile, please please please please Chase Bank helps with me in opening account, possibilities.
I received a voicemail from someone sayin thier name was XXXX on XXXX XXXX at XXXX. He said he was a privately contracted courier and is being dispatched to get my signature on a notice. That i need to provide XXXX forms of identification and that at least XXXX of them need to be a government issued picture id such as a driver 's license or passport that is required by state law. His call went straight to voicemail because I have blocked them from calling me and have officially told them to cease contacting me. however blocked callers can still get through when they start their call with *67 or call while I 'm on a call they get through via call waiting. He then went on to tell me that they were going to try to schedule the delivery to be delivered at my place of employment and or my place of residence. He stated that if I have any questions prior to delivery to call XXXX id XXXX unless he hears otherwise he will give me a call the morning of delivery. I called the number he provided and the person who answered the call was the same voice on my voice mail he answered saying he was with the legal department of the GR Group I gave him the id number left on my voicemail he asked if i were XXXX I replied my name is XXXX he then went into saying he was collecting a debt for XXXX XXXX XXXX I stopped him and told him that he nor anyone hired by him or his company are allowed to show up at my place of employment or my residence and reminded him that I have given them instruction to cease contacting me that I do not owe anything to him or anyone he represents
I was referred over to a debt collector through XXXX XXXX for {$980.00}. I was an Independant representative for XXXX XXXX on a XXXX basis and was only with the company briefly. I have not been licensed with the company since XXXX 2014 and they are trying to access me for Charges that are not valid. I had asked the office manager to look into the charges since I did not bring in any revenue as well as was only licensed with the company as an agent for 5 months without closing any sales and working as a XXXX employee. XXXX XXXX, account number XXXX, then turned me over to collections. This account is not valid
I Applied for a VA mortgage through XXXX Mortgage. A credit report was pulled on XXXX XXXX, again on XXXX XXXX and again later that month. I emailed and had a phone conversation with the person in charge of my file and told him to not run my credit report again- he told me by email he would not. However, it 's now XXXX and again my credit report was pulled without my prior knowledge. I fired off a email to him and his superiors and received a call that these reports should not have been pulled. I was told that 500.00 would be taken off my closing costs. I was also told that another report would have to be pulled prior to closing which is XXXX XXXX 2017- This is a VA loan and 5 credit runs in a 6 month build new home process is wrong and damages my credit. I was also emailed that these credit pulls hard not soft does not effect my score which is totally false. I am not satisfied with the explanation and told them that I plan to dispute with the FCRA.
I am the only person on the debt. XXXX XXXX from NCBI called my husband at work and proceeded to tell him about the debt. He is not on the debt nor is he responsible. We have been having issues and now he is talking about leaving me due to him being contacted, especially at a work number. I am not working nor able to at the moment. She also lied and said she was a representative of XXXX XXXX and kept saying she needed a formal agreement for me to make payments before she could hang up. I want something done. NCBI or NCB Managment can not be trusted. They lie and do whatever they can get by with to get you to pay. Also I never received any paperwork from them.
I have contacted Equifax 5 times in the last year to remove a bankruptcy appearing on my credit. I have also provided documentation that the bankruptcy i have is too old to be on file and have provided proof. Equifax keep saying they verified the information with a third party source as accurate. When i asked to be provided with documentation of who provided the information, i got no response.