WillisBack/dataset-financial-user-claim huggingface dataset:
I had a problem with one payment from my XXXX XXXX XXXX, I forgot to make a single payment on time and after few days they started to harass my phone with more than 8 calls daily, when I already explained to them that I will pay my bill with the next bill, to make sure I am getting charged by the correct fee. I kept on receiving calls from them ; I spoke to them telling that I knew that the collection practices they were doing were inappropriate because of the multiple times a day they were reaching my line. I told them to stop calling me, and the person who I spoke to was threatening me with making changes in my account without letting me know if I refused to keep receiving the collection calls, he was being very loud and rude so I hang up. Now I am paying my credit card on time and they are making changes in my credit report without letting me know, and I feel like they are picking on me, affecting greatly my credit report. Month after month it is getting decreased because XXXX XXXX is making inquiry after inquiry. I consider this is some kind of harassment against consumer, for no reason when I am paying month by month. I have not miss a single payment. Please stop XXXX 's on this abusive practices. 

Thanks,
XXXX previously reported that I had a medical charge for service in XXXX placed into collection. I challenged this record and I received notification that the XXXX XXXX in XXXX, WA erased that erroneous collection record from my credit report. Now Equifax has a record of a XXXX medical account in my name listed as in collection. I previously investigated and discovered the charge was from XXXX WA. I have not lived nor received medical services from anyone/entity in XXXX since XXXX. The record was supposed to have corrected and I just discovered that it still exists in error on my credit report. This has not been erased from my record and is very upsetting to me as I have never had any account turned over to a collection agency.
XXXX has filed XXXX separate times with XXXX separate collection agencies, each time I 've disputed the acct, its been deleted off XXXX, equifax & XXXX XXXX, now they 've reported me again ( or I assume sold my acct ) with a different XXXX again called enhance recovery company, I 've continuesly disputed because this does not belong to me, I ca n't even dispute it with equifax because for some reason I 'm locked out of my report & I 've disputed it at least twice with experian but they just leave it there, funny thing is about experian a couple disputes of mine only took them one day to come back with their decision, I ca n't believe it took them one day, anyway I 'm so tired of fighting them, no matter how hard I try, my score has gotten so low, like XXXX & XXXX, from XXXX & XXXX, not the greatest but every time my acct is sold and placed again, it keeps XXXX it, help ... 
Ty, XXXX
I purchase a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXMy Salesperson was XXXX XXXX. The financial person didthe additional fees to make payment each month on my loanwith Consumer Portfolio Services, INC ( CPS ) locatedXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX went to make my XXXX payment the customer servicerepresentative that you have to {$12.00} for each paymentI informed her that no one told us that. On the statementthat was mail to us, it does n't say nothing about any feesI told her that was wrong for your company not to informedthe customers of this fee before signing the loan or on the statement. I had to transfer additional funds in the amount for this. If you pay online itsa {$12.00} or over the phone. She informed that it 's not on thestatements, only when you call to make your payment we letyou know about the fees. I called the XXXX XXXX, themanager at XXXX to let them know this is not rightthat CPS have hidden fees with my loans. I told him thatI told XXXX XXXX my budget, due this additional fee I wentover my budget to make payment on my car. I was mad Ithink this is a way to get over customers. On XXXX XXXX, XXXXXXXX. XXXX called CPS to asked them if something can be done, customer servicerepresentative said no, this the way CPS let customerknow about any fees. The dealership was not aware of theseany additional fees. I told the customer service Rep thatother companies have the fees on the statement why CPSdo n't do that, she said this is the why we do things. I told herI told I left over XXXX messages for a manager to call meregarding this matter, NO ONLY never called me back. 
her I was going to report this to XXXX State Attorney Officethis is so wrong, please look into this. I saw that investigationon XXXX and XXXX for the same thing. Please go afterthese people.
XXXX XXXX, 2016 in the XXXX County of Deeds, CIT Bank, f/k/a Onewest Bank, N.A. duly recorded a Deed on Lieu of foreclosure ( document number : XXXX ) for the property located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX ( " XXXX XXXX '' ). XXXX XXXX  property Identification Number ( " PIN '' ) is XXXX I only conveyed XXXX XXXX to CIT. However, a closer look at the legal description attached as " Exhibit A '' to the Deed indicates that the PIN XXXX, belonging to the property located at XXXX XXXX XXXX XXXX, XXXX, Illinois, XXXX ( " XXXX XXXX '' ) was included. <P/>The property with the PIN ending in XXXX was retained by me and is encumbered by a Mortgage with XXXX XXXX XXXX, which I pay monthly. CIT 's error has caused the land ending in PIN XXXX to be sold and conveyed to other entitles, which are not entitled to have the property. I 've made a formal demand for CIT Bank to correct the deed in the XXXX County Recorder of Deeds office, they refuses to make the correction.
I received a bill XX/XX/2017 from Citi Bank ATT Universal Card. I noted a late fee of {$24.00} on my statement. I never pay a bill late, and this is reflected on my credit reports. I asked what the charges of {$23.00} were for, and the charges from XXXX XXXX and XXXX XXXX XXXX are correct. I paid {$23.00} online through my XXXX account. I always pay online the day I get a bill. I called customer service, and the agent could not help. I asked to speak to a supervisor. I spoke to XXXX XXXX in XXXX at approximately XXXX XX/XX/XXXX in attempt to correct the error. I did not get the bill for {$23.00}, and Citi Bank has tarnished my credit report while collecting {$24.00}, which I paid today after a resolution could not be reached. I paid it because of my credit score - not because I owe it. My credit card number is XXXX XXXX XXXX XXXX. I have also written a letter to Citi at XXXX. XXXX XXXX in XXXX XXXX, XXXX XXXX. I suspect fraud and want to report it and want a refund in the amount of {$24.00} for the so-called " late fee. '' I have no incidents like this with any company, and my credit report goes back decades. Please help, as I 've lost {$24.00} that I do n't owe but paid due to my credit report. My phone number is XXXX, and my email is : XXXXXXXXXXXX I can send you a credit report if you like but will need to unlock my security freeze. Thank you. XXXX XXXX
On XX/XX/XXXX with out my permission Pressler & Pressler Did a inquiry on my Credit Report which i have NEVER given Lawyer : XXXX XXXX XXXX permission to do and above all thing subpoena me to court now USING ( XXXX XXXX AKA XXXX XXXX ) Directly from my credit report.. my maiden name ( XXXX ) was NOT used in any Documents @ XXXX XXXX XXXX Never have been been asked NEVER!! Beings that that was taken from my credit report and used by Pressler & Pressler Attorney XXXX with a court notice to appear on XX/XX/XXXX @ XXXX XXXX.. I 've heard it said that it 's illegal to obtain credit report and use against a person and with out consent as well!! WOW SERIOUSLY!! that i have put this in writing NO ONE HAS NOTHING TO SAY .... to whom and why was my credit report used against me in this court documents filed by this attorney and who gave them permission to pull my credit report to begin with cause i sure did NOT and above all to use it against me in the court of law .. It 's humiliating and very bothering to me on how they treat me and i very POOR, XXXX and trying to do as best as i can.. On XX/XX/XXXX After 8 calls from Pressler & Pressler .. I even gave them {$200.00} off my Pre-Paid Card i had to buy my food for the month so all the calls can STOP!!!
I REALLY WANT PRESSLER & PRESSELER TO KNOW THEY CANT JUST RUN MY CREDIT REPORT WITH OUT MY PERMISSION THAT IS NOT RIGHT AT ALL!! i am willing to work with this collection company to work off the outstanding bill owned to XXXX XXXX XXXX but lord do n't make me starve and take over my credit report without my permission please STOP THIS MESS PLEASE and all that was all unnecessary stuff that is not caused for .. I 'm only human!!! After me talking to the Rep now come to find out cause i made the {$200.00} payment over the phone NO ONE FROM PRESSLER & PRESSLER will be coming to court on XX/XX/XXXX @ XXXX BUT i still need to be there cause i sign a notice @ my door when i was served @ HOME with notice to appear.. The Courts via certified mail .. THIS IS ALL UNFAIR REALLY UNFAIR TO ME ....
Back in XX/XX/2012 I had a personal check stolen from me and it was thru Bank of America a new account. The check was stolen from me by a family member then deposited thru atm at a XXXX XXXX XXXX in XXXX TX for XXXX cash.. Bank of America processed it then took the funds back. i filed a complaint thru XXXX XXXX telling them who did it etc. It involved another family member which is on camera and she would not press charges against the person that did this.. I have an XXXX XXXX against me and can not open a brick and mortar an bank account. The check was somehow sent thru again. I disputed thru XXXX XXXX XXXX and Bank of America still denied. I am a victim of identity theft what can be done at this late tme.. I cant get thru a direct line or person at Bank of America they send me in a circle w XXXX XXXX. Ive completed all my appropiate paperwork. Done this 2xs ...
I got contact from a debt collector, CR Corp around XXXX 2015 relating to an outstanding debt to Health Net Insurance that was in an investigation phase with the Department of Managed Healthcare. Before the investigation was finalized they called me to collect {$580.00} that I did not owe to XXXX XXXX. Not only was the debt reported to the credit reporting agencies before a decision was made, when I asked them them to stop calling my cell phone and please contact me in writing instead, the continued to call my cell thereafter and then found a number connected to my relative, not related to this account, and contacted them on XXXX other occasions to collect the debt. My relative confirmed that I had resided with her, unknowing who she was talking to, but consistently told them to please stop calling her about my personal business. Now they are still calling her and my cell and sending threatening letters of judgement as of XXXX XXXX, 2015.
I have been in contact with Equifax for the past 2 weeks in regards to accessing my credit report. My bank, as well as myself am unable to pull the Equifax file and I am also unable to access my personal credit report through my paid monitoring service. I was informed that it is due to too many soft inquiries and was informed " nothing could be done ''. This is completely unacceptable. I need these soft inquiries purged in order to be able to access my report. Please help!
This is a general and ongoing problem with XXXX XXXX XXXX. I have 2 credit cards with them trying to rebuild my credit. 

The payment for one of the cards is the XXXX of the month. They charge a late fee on the same day of {$25.00}. They state that the bill is due by XXXX XXXX eastern time. 

I have had a " real '' credit card that offers grace period before late fees are applied which is customary, certainly not charged the same day the payment is due. 

I find this strict billing on cards that are designed for the poor, trying to get back on their feet predatory lending and an effort at forced profit from the poor repulsive. I am reporting this on behalf of every person who is surprised how challenging it is. 

Its bad enough they carry the highest interest. 

Please consider holding these lenders accountable and at the very least support legislation to reel in this repugnant behavior. Reminds me of XXXX XXXX XXXX daily deposit vs payout scheme. Something needs to be done about this. 

Thank you!
CRA VIOLATION WERE DISPUTED WITH EQUIFAX ON XX/XX/2018. I DID NOT RECEIVE ANY FILE BACK AFTER 30 DAYS.
On XX/XX/2019 someone tried to buy a car at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.
This is NOT a duplicate complaint. This complaint relates to Citibank 's actions within the past seven days. I do not owe Citibank any money. Citibank has repeatedly harassed me over the past eight years, resulting in my filing of multiple federal lawsuits, and arbitration cases through XXXX and XXXX. Last year, Citibank 's attorney, XXXX XXXX, assured me that Citibank would stop contacting me. Yet, the contact continues. Despite my repeated requests, Citibank continues to access my personal credit report and send me credit card offers they know are not " firm offer ( s ) of credit '' as that term is defined by the Fair Credit Reporting Act. On XXXX XXXX, 2017, I filed a CFPB complaint concerning Citibank 's repeated access of my credit report, and their sending of credit card offers to me. Citibank responded to the complaint by mailing me another credit card offer which I received in the mail today.
I have been in a interest only repayment program for years. Extra payments were not applied to principal. Never informed me of other payment options. Denied me my actual balance on several attempts. Misled me for over XXXX years. I have already re-paid almost 4 times what I originally borrowed and still owe almost 3 times. Ruined my credit for years, costing me to finance things throughout my life. XXXX 's of hours on the phone trying to resolve issues with very little success.
On xxx noticed a inaccurate, unverified data reporting on my report, I disputed items but collection agency has not provided any dept validation, under the fdcpa or fcra sec 609 requires collection agencies to validate dept upon request.
THIS AGENCY IS TRYING TO COLLECT A DEBT THAT BELONGS TO ANOTHER COMPANY ( XXXX XXXX ) I CALLED THE CREDIT BUREAUS AND WAS TOLD THAT XXXX XXXX IS THE OWNER OF THE ACCOUNT AND NOT NATIONAL CREDIT SYSTEMS. THIS IS A DOUBLE JEOPARDY, TWO COLLECTION AGENCIES REPORTING ON MY CREDIT FOR THE SAME ACCOUNT. DESPITE THAT XXXX IS AWARED ABOUT THE DUPLICATE ACCOUNT INDICATES THEY ARE NOT GOING TO REMOVE IT. THSI IS AGAINST THE LAW. TWO COLLECTION AGENCIES CAN NOT BE REPORTING OR TRYING TO COLLECT THE SAME DEBT.
I signed up for free credit reporting on XX/XX/2019 on the Transunion.ca website. I accidentally made two accounts because there website shows that my account was unsuccessfully made. In both accounts, I added my credit card information. A day after the creation of the account, I received two bills that are pending on my credit card, which are both {$19.00}. I tried calling them to cancel my account but I could not get a hold of them. Additionally, at the creation of my accounts, they are supposed to send me an email confirming the creation but they never did.
This is a complaint on a Associated bank Employee XXXX in Corporate security He closed my checking Account with out any notice I was completely embaresed When I tried to use my debit card to get my medicine and it denied my card multiple Times I went out side and contacted the bank they informed me that my account has Been closed and forward me to XXXX he told me my account was closed due to misuse And I am not aloud to Bank with Associated Bank any more and this is not a charity I am concerned about my social security money that is deposited on the XXXX I am in the process of Trying it change it with socal security but I am not sure that they can do it so soon he refused to try to work with my or reopen my account.
I do not know where to begin, except my situation with my mortgage is not right. Its been on-going for years since during and after my Chapter XXXX Bankruptcy discharge in XXXX. For all I know, it may have started when I bought my home. My mortgage was with XXXX XXXX, which was bought out by XXXX XXXX XXXX at the end of my Bankruptcy in XXXX ; which in turn was handed over to SPS to service in late XXXX. In addition, ever since a medical condition and a long unemployment, I felt that something was not right with how my situation was handled. For starters, there was a court order entered through bankruptcy court, which I feel was violated. I have attached this order with this complaint along with an audit/transaction print out from both XXXX and XXXX XXXX. Pay close attention to the date of the order and certain transactions done on or about that same date. When I question the mortgage company about their compliance with the court order, I was told that I did not know what I was talking about. However, it is in black in white. How much does a mortgage company need in " Restrictive Corporate Fees '', and then to turn around and tell me it was for attorney 's fees???? The big kicker was " we do n't care about that order '' From day one, my interest has been 14.65 %. When I ran into trouble from XXXX and my job loss between XXXX through the present, instead of the mortgage company helping me out by adjusting my interest rate and lowering my payments, I was denied a modification, but given a repayment plan that is barely affordable. Then my escrow was discontinued, which put me in situation where I felt the need to put my house on the market just to escape these crooks. I kept every piece of paper on my mortgage from the day I bought my house, and I probably have paid my house off at least XXXX times over. I have attached documents such as court order, transaction history, last statement from XXXX before switching over to SPS, correspondence regarding my Forbearance and Repayment plans, pay-off quotes, XXXX from Washington and XXXX from SPS, a fax to my bankruptcy attorney upon discovery of the violation of the court order and XXXX of few letters of circumstances that I was ask to write.
I utilize the XXXX bill payment service to pay my mortgage with United Wholesale Mortgage. I schedule my payment to be made on the XX/XX/XXXX of the month. Payments are considered late if not received by the XX/XX/XXXX of the month per UWM. UWM keeps charging me a late fee for payments received after the XX/XX/XXXX. I question whether they are using the date they receive the check to credit my account. I suspect they use the date they process the check as the payment date. This breaks Reg Z requirements. I have asked for proof of when they actually received my check and they only send me a printout when the check was processed to the account. When I worked at a mutual fund company, all checks had to be time stamped when they were received so they were processed on the correct day. All in all this causes me a {$95.00} late fee each time it happens. Furthermore, XXXX debits my account on the XX/XX/XXXX when the payment is not credited until the XX/XX/XXXX by UWM. There are 5 days of float that my funds are held hostage??? Sure I can send payment earlier, but I ca n't understand how this is a fair business practice. I am looking for UWM to be held accountable. If then can prove the checks are being received after the due date, then I just have an issue with XXXX debiting funds earlier than the check clears. If they are unable to prove when the checks are being received, then I question all of my late fees and how UWM conducts business. Checks are sent to a PO box , so when the mail is delivered to the PO box , the check is received! Thanks, XXXX P.S. No sympathy from UWM or XXXX. Just the way the process works. I am calling them out.
Due to financial hardships I fell behind in my mortgage and defaulted on my mortgage on XXXX/XXXX/XXXX and was referred to a foreclosure attorney on or about XXXX/XXXX/XXXX without a foreclosure sale date scheduled. 
On XXXX/XXXX/XXXX, I completed and submitted a request for a modification. I included the following required documentation : - XXXX current paystubs- Complete Request for Mortgage Assistance form- Signed and completed XXXX formThey documented receiving my request on XXXX/XXXX/XXXX. 
On or about XXXX/XXXX/XXXX, I received XXXX letters from my mortgage servicer requesting me to provide income information. Since I already provided this information I called them and they told me that they did n't need income information, but I needed to provide a hardship affidavit. 
On XXXX/XXXX/XXXX, I faxed a hardship affidavit. 
On or about XXXX/XXXX/XXXX, I received another XXXX letters from my mortgage servicer requesting me to provide income information. Since I already provided this information I called them and they told me that they did n't need income information, but I needed to provide my full tax returns and to date my hardship affidavit. 
On XXXX/XXXX/XXXX I faxed my XXXX and XXXX tax returns and the dated hardship affidavit. 
On or about XXXX/XXXX/XXXX, I received another letter from my mortgage servicer requesting me to again provide income documentation. At this time my father-in-law had, had a XXXX and I was unable to follow up within a timely manner. 
On XXXX/XXXX/XXXX, a notice of trustee sale was filed and a foreclosure sale date was set for XXXX XXXX, XXXX. 
On XXXX/XXXX/XXXX, I received a registered letter notifying me of the notice of trustee sale filing and called my mortgage servicer immediately. I was then told that I needed to provide a copy of a quit claim deed. I expressed to them that I had already provided a copy XXXX, once for my previous request for mortgage assistance in XXXX and when I requested they change my surname in XXXX. I was then told that, 'that was too much paperwork to look through and to provide another copy '. 
On XXXX/XXXX/XXXX, I faxed my quit claim deed. 
On XXXX/XXXX/XXXX, I emailed my mortgage servicer a request to confirm they received all my documentation and never received a response. 
On XXXX/XXXX/XXXX, I called my mortgage servicer to again confirm a full package was submitted. I was then told that they received the quit claim deed on XXXX/XXXX/XXXX ( which is amazing, considering my previous faxes took XXXX hours to post to my account records ) and then they confirmed the was recording of the quit claim on or about XXXX/XXXX/XXXX. Then the package was submitted to underwriting on XXXX/XXXX/XXXX for review. 
My issues are ; I provided a full package according the HAMP guidelines on XXXX/XXXX/XXXX and then provided all the additional documentation on XXXX/XXXX/XXXX, but they still scheduled a foreclosure sale because they could n't bother to review their document library to find the document they were 'missing '. Also they are now past the XXXX day deadline for providing approval or decline for the modification since receiving a full package on XXXX/XXXX/XXXX.