WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX XXXX I received a call from Midwest Service Bureau out of XXXX, Ks. Keep in mind XXXX somehow got hold of my mother cell number calling her about my medical debts with them. How he got my moms number I have no clue! But I think its wrong for them to be contacting anyone else other then the person this bill is issued too. In other words as of XXXX XXXX XXXX while I was on the phone I spoke with a guy named XXXX. I have a bill with them for XXXX XXXX XXXX in XXXX, Ks in the amount of XXXX. During this call I had went on to tell XXXX XXXX had sent them a letter in the mail about a month and half prior to this date in this letter stating when I could pay and how much I could afford which is XXXX bucks a month. XXXX went on to tell me I could n't make payments of XXXX dollars a month because of how much the bill is. He then went on to tell me the furtherest they would go is a 18 month payment plan of XXXX a month which being the only one in the house working at the moment I can not afford XXXX a month. He then went on to basically harass me saying if I cant pay the XXXX a month then I need to go get a consolidated loan from the bank I have an account with! I spoke with my bank today XXXX XXXX XXXX where I was told I could not get a loan due to I have several medical bills Im making payments on. If I paid them XXXX Id have no money to survive on or pay my other bills and medical bills with. I talked with XXXX today XXXX XXXX XXXX and had addressed to him what the bank told me and was further told that the best he could do is make it where I pay XXXX a month and I still cant even afford that much a month. Ive told him time and time again I cant afford more then XXXX bucks a month the XXXX of every month but he seemed not interested in what I could afford so that I can still make a living and survive. For him to suggest a loan from the bank is only because then they dont have to worry bout the money anymore cause they would have gotten the full amount and Id be stuck paying back more to the bank then what the bill they have on my account is worth. The people at Midwest Service Bureau are only interested in the full amounts or high payment that most people who live paycheck to paycheck cant afford! I told XXXX Id try and make a payment the XXXX of this month due to the XXXX is a holiday but Im only sending what I can afford and I will be keeping all my receipts as proof that Im trying and not just ignoring the bill so if they try to sue me or take me to court I have some good ground to stand on with the judge on paying what I as an average class citizen can afford. Id like for these types of problems to be addressed to companies like this who are only interested in full amounts and if you cant do the full amounts they go on to give you some bogus advice to go get loans just to end up in more debt. Then they go on to tell you that they cant accept what u can afford to do even though your trying its never enough for them.
I requested credit from XXXX XXXX XXXX. They denied me. On their denial letter they listed Experian. 

I went to the Experian site to obtain my credit report. I tried 11 times in a row and was rejected 11 times. the site flat rejected me the first few times then it asked me to prove my identity I tried to upload my Drivers Lic. and utility bill. Experian 's site was not able to upload ~ 30kb of data. I was rejected again. 

I believe the repeated rejections are a deliberate design feature of their website to force citizens to pay to obtain their own credit information. 

I. Am. LIVID!!! I am well educated and know how to use the web. Experian ought to be pounded through a bung hole left in the barrel for a week and then drawn out through the same hole with a sharp hook! XXXX! those people are Jerks! And security concerns have ZERO to do with their designed blocking of ME from MY information!
The loan servicer is Great Lakes. On XX/XX/XXXX, I made a {$3000.00} payment on an account that is in a paid ahead status through XXXX. The account has five " tokens '' with a different balance that make up the total balance due on the ascount. I directed 100 % of the {$3000.00} payment to a specific token number on that account. However, not all of the {$3000.00} went towards that token ( it went towards other tokens too XXXX. I called Great Lakes and the representative and supervisor said that my payment was applied to satisfy my minimum monthly payment of {$740.00}, and the remainder went towards the specific token. But my minimum monthly payment is {$0.00} because I am in a paid ahead status ( I have been in a paid ahead status for well over two years on the account ). 

I can understand this to be the rule if the borrower is not in a paid ahead status, so in that case, the borrower would have to satisfy the monthly payment first before applying the rest of the money as he wishes. But when a borrower, like me, who has no minimum monthly payment and still can not apply my money as I wish is nothing but a penalty for paying early. It is a penalty because the {$740.00} first went to pay the interest of other tokens before the interest and principal on the token I applied it to. This means I can not satisfy more of the principal on the token I am targeting, which in effect, ends up costing me more money. Thus a penalty.
On XXXX XXXX, 2016, I found an e-mail from XXXX XXXX, Deputy Director of Neighbor Works dated XXXX XXXX, 2016, where he informed me that I am not going to receive any help from XXXX XXXX who was the project manager assigned to assist me with my home rehab project, or anyone else from XXXX. XXXX XXXX did so after XXXX XXXX put me off for more than a month. XXXX XXXX sent me an e-mail XXXX XXXX, 2016, where he stated that it would be another two or three weeks before he could get started on my project. I would be most happy to forward that e-mail to you for your review if you would like to see it. 

So, they dumped me after putting me off while they charged me interest on my loan, to which I have no access. This complicates my purchase of window awnings since XXXX XXXX wants to get paid before the awnings are ordered. XXXX XXXX sent me an earlier e-mail which stated that he would go over to XXXX XXXX to handle this matter for me. Nor did XXXX XXXX even bother to tell me how I should handle this matter, which creates a major obstacle. 

Next, there is a zoning issue which XXXX XXXX said that he would handle regarding the removal of my rear door, and sealing up the wall. Nor did he tell me how to do it, and/or how to find someone to do this part of the job. XXXX XXXX who is the contractor I selected to do my new windows, informed me that he was never told about that part of the project, and that he did not do that kind of work. There is also a zoning issue to be resolved with the City of XXXX 's Zoning Department, which Me. XXXX said that the was handling for me which is still unresolved. 

There is also the matter of an {$800.00} Frames ' Pest Control bill, which XXXX XXXX has left unresolved, and no one at Frames has been able to clear this matter up for me, even though XXXX XXXX has already paid them with money from my loan. There is are similar problem with the repair of my vinyl siding, downspout extensions, and he said that he was going to tighten up my house 's foundation, in order to help keep out insects and rodents. 

I do not understand why XXXX continues to keep him on their staff, wasting their precious funding by paying his salary. I intend to report this along with the complaint, which I sent earlier this week to both XXXX XXXX XXXX, and the Congressional Appropriations Committee, as another prime example of how XXXX is wasting the federal funds which they receive, as well as, an abuse of power, and very poor mismanagement. 

I would also like to know if XXXX can and will assign someone else on their staff, such as XXXX XXXX, to handle my job. I have worked with XXXX XXXX last year, and he was quite the professional, and his supervision of the work was impeccable. 
I just sent you a complaint a couple of days ago. This complaint is in addition to that one, because more developments have occurred. This would probably be a much better arrangement, since I have little to no confidence in XXXX XXXX ' ability to handle my project. Nor does XXXX XXXX, who actual said that he thinks he is incompetent. Therefore, I would very much appreciate it if you will inform me how you plan to handle this situation. 
Sincerely, XXXX XXXX
I am seeking assistance in my challenge of CARECREDT/SYNCHRONY BANK 's invalid an unauthorized charges for claimed services rendered by XXXX XXXX. When I was first billed by CARECREDIT for such an egregious amount, I complained to the XXXX office ( XXXX  ) directly because they had not performed the work that they had charged me for. In addition, I had not consented to all of the services that they had charged on the CARECREDIT card. The initial reason for my visit to XXXX was not even reflected on the credit application for Care Credit. When I pointed that out to the office, they explained that they were putting down some services and only needed my signature simply to see how much credit I could obtain from Care Credit ; basically, the specifically treatment sought was not important at that time. Once they got me approved for a certain amount, it seems like the goal was to create/come up with as many services as possible in order charge the maximum amount on the card. When I see the doctor 's office was not interested or trying to resolve the initial problem that I went to the office for, I had to actually go to another XXXX office to resolve my problems. When I told them I had decided to see other XXXX XXXX XXXX XXXX 's office insisted that since I had lots of unused money on the card maybe some of it ( to be precise {$390.00} ) could be used as prepaid for my daughter 's XXXX services. However, I learned from my wife she had initially paid {$630.00} out of pocket for prepaid services which had not been completed since my daughter went away to college ; then I cancelled the {$390.00} payment. It seems like XXXX XXXX office found all kinds of creative means of charging the maximum amount on the card. I then decided to file a complaint with CareCredit/Synchrony Bank. At first, the company tried to assert that I had lost my card and was trying to replace it. However, I drafted a full complaint and set forth the deceptive practices of the XXXX office. I explained how they were deceptive in how they coerce me into getting the Carecredit card, although I told them that I had XXXX insurance. In addition I also explained how they charged me for services that I had not requested and they had not rendered. I did not ask for or need any XXXX because I had problems in the past with XXXX  making my XXXX XXXX. But, XXXX XXXX proceeded to order these XXXX  which of course I never requested. She said they were already approved on the Care Credit card that 's why she ordered them ( with a grin on her face ) even if I do n't want them they will still get their money. After all of these interactions with XXXX XXXX and the lack of response and inaction from Carecredit/Synchrony Bank, I have realized that Carecredit/Synchrony Bank is working in collusion with the doctor 's office to fraudulently obtain authorization from patients to get a Carecredit card and charge as much money as possible. They both win at the expense of the patients.
This debt collector is not licensed in my state ( Florida ) therefore they can not collect debt from me.
I got a   XXXX   XXXX    (  now Navient ) loan to attend  XXXX  College in   XXXX  . I attended about have the sessions required as the  Professor  was not perfessional and the student assistance they claimed they offered was false & they would do nothing each time I need something. I decided to cut my losses & end the program as they were useless. I want to have my loan for over {$3500.00} forgiven & deleted. The school closed as it made false promises to students deseperate for an education to be come employed. I refuse to pay for something I got no benefit from. I have called   XXXX   XXXX    &  now Navient many times as this loan has put me in debt & the interest keeps accumulating. I can not afford to pay it.
First I an very thankful to Consumer Financial Bureau for been there when I needed desperate help with my mortgage Carrier. after much harassment through WELL 'S FARGO AND WITH YOUR HELP. I 'm FINALLY GOT TO THE TRUTH. 
On XXXX XXXX and a very professional conference call I received some shocking information and the document to back up all of such information. I will be forwarding such documents to you. 
on XXXX XXXX of XXXX I sat for the closing and purchasing of my home XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX.A COPYOF MY MOTGAGE CONTRACT IS NOW SENT WITH THE MORTGAGE AGREEMENT OF 10.25 % INTEREST AND MY MONTHLY PAYMENT OS {$680.00}. XXXX. IN MY 10 YEARS OF OWNERSHIP I HAVE NEVER PAID {$680.00}. XXXX I PAID {$900.00}. IN XXXX OR XXXX I RECEIVED A MODIFICATION AND MY MORTGAGE WAS NOW UNTIL XXXX XXXX {$810.00} WITH 8.25 % INTEREST. AS OF XXXX XXXX I WAS ADJUST TO {$810.00} AND 8 % .INTEREST. 
A COPY OF THIS DOCUMENT IS ENCLOSED. IMAGINE HOW SHOCK I WAS WHEN I OPEN THE MAIL AND THIS DOCUMENT FLIPPED OUT. XXXX YEARS AND XXXX MONTHS I HAVE NEVER HAD A MORTGAGE PAYMENT OF {$680.00} XXXX.
On XXXX/XXXX/XXXX I had water damage to my home. My insurance company, XXXX covered the claim. The check for the damages was written to both PennyMac and myself. I endorsed the check and submitted it to PennyMac. I notified them that all work was completed. When they had not released the funds by XX/XX/XXXX, I called to inquire. They said they were still in need of a final inspection. The inspection was completed on XXXX XXXX, XXXX. When I still had not received the release of funds, I called PennyMac XX/XX/XXXX. The agent looked over my file, apologized for the delay and said that funds were now going to be released and that I would receive a check in approximately XXXX business days. Two days later another agent called me. I returned the call and was told that they required signatures from me and my contractor for the original bid. She told me the forms would be emailed to me within two days. Now, on XXXX XXXX, XXXX, I still have not received the forms. On the copies of the documents I have, the bids are signed. I called PennyMac Loss XXXX Department and spoke with a manager, XXXX. XXXX said she would " look into it ''. She placed me on hold for over 30 minutes and then the call was disconnected. I have explained the importance of getting this settled immediately. My family is moving. Our has is under contract with a buyer and scheduled to close on XXXX XXXX. The sale will likely be blocked by a contractor lien if PennyMac does not release the funds.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
At the time of this loan my name was XXXX XXXX. I got the loan in XX/XX/XXXX. I started off pretty good, but through the course of the loan I lost my job and had to take a lesser paying job in XXXX. My finances decreased and I couldnt really afford the car. GM Financial offered me deferment to get current. Eventually I fell behind again. I had lost another job, I dealt with the lost of my daughters father to XXXX, after while I asked about refinancing and they said they didnt do any refinancing. I tried my local bank and they told me I was upside down in the vehicle. So there I was stuck in a car loan that I couldnt get current in no matter how hard I tried. My loan was for about {$15000.00} and by the time I voluntarily surrendered the car I still owed them {$12000.00}. I was disgusted, depressed, and felt taken advantage of. I couldnt see myself throwing money away to interest and never owning the car. I felt relieved afterwards but still upset because I threw away so much money. Now Im still owing a balance on car I dont have and it is negatively affecting my credit. No one at GMFinancisl every told me that it wAs a simple interest loan or what my per diem rate was. Now I know about these things I feel that this was a ripoff, like predatory lending. I feel this balance should be XXXX and removed from my credit reports
In XXXX XXXX I received a letter from the Department of Education saying my wages would be garnished for defaulted student loans that came from XXXX. In the almost 6 years I have been out of school I never received any letter from XXXX or the Department of Education stating I was not paying and my loans were going to collections. I was already paying my monthly fees to XXXX for Student loans along with Student loans to XXXX XXXX, they never made me aware that I had more loans that were n't being paid. Had Navient not been negligent, this would have never happened and my loans would not be currently sitting with a collections agency.
I have written four letters disputing XXXX XXXX XXXX from Experian and XXXX. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.
I made a payment on XXXX, and was told it failed due to non-sufficient funds. So I made another payment on XXXX, and was under the impression everything was fine. 

On XX/XX/XXXX, received an alert that my payment had failed. After discussing with my bank ( XXXX ) and XXXX ( credit card company ), I eventually learned that XXXX had collected my payment on XXXX, but did not update my payment history to show a successful payment. The status still shows both the XXXX and XXXX payments as returned. 

Even though XXXX had already collected the money, they tried 3 more times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to collect the money. They explained that they attempt to collect a payment 3 times after a failure, and that they consider both the XXXX and XXXX payments as being separate. Even though they had been paid, they tried to collect my XXXX XXXX more times afterwards, and caused an NSF with my bank each time. I also was hit with 2 different late fees from XXXX. 

XXXX has been great and offered to refund 2 of the 3 overdrafts, even though they weren't at fault. However, XXXX has refused to cover the cost of the third overdraft they caused, and they also would only refund one of the late payments. I would be satisfied with both of the late payments being refunded, because the net result would be no money out of pocket for me from their behavior or unknown practice of NSFing a customers account 3 times trying to get a payment ... ..with no prior notification or direct authorization. 

In the end, they never told me they had collected the funds. Even now, my payment history shows 2 failed attempts, and no successful attempts. If they had at least updated that portion of my account, I wouldn't have made another payment under the understanding that I owed them money. Because I did, I got hit with a number of fees.
I am on my 3rd leasing contract with XXXX XXXX XXXX. I leased my XXXX vehicle in XX/XX/XXXX. During that time, I was over my mileage for my XX/XX/XXXX vehicle in which the vehicle was surrendered. I received a bill in XXXX  in which I was advised to pay {$1300.00}. I also received a phone call from a gentlemen advising me to pay a little shy under {$170.00} per month to satisfy the past due amount. I explained to him it wasn't feasible for me to satisfy that amount since I'm already paying over {$300.00} for the newly leased vehicle. It was explained to the representative that I could pay {$50.00} per month at a minimum. I asked during the call if this account would affect my credit and was told no. I was also not told during the call that the monthly amount being requested was finalized and could not be changed. My initial payment on the XXXX vehicle was XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$100.00} ) and  XX/XX/XXXX ( {$50.00} ). Today, XX/XX/XXXX, I received a call from XXXX stating I am 117 days past due on my account and it needs to be resolved today before taken any further. The initial lady I spoke with call was disconnected so I had to call back. I ended up speaking with XXXX who informed me that the monthly amount I was told to pay was not a formal agreement however the amount is being reported on my account and is 117 days past due. I was asked to confirm an amount I'm comfortable with so the account didn't go any further. I asked how can the account go any further, when XXXX has been accepting my monthly payments? I informed XXXX I can pay {$50.00} at a minimum per month. When the balance was split into about 22 months, the agreed amount calculated to {$50.00} and will be due on the XXXX of each month. So it's safe to say, the " formal agreement '' took place on XX/XX/XXXX which was 4 months from when the initial was generated. I would like to have the inquiries disputed that's being reported by XXXX XXXX XXXX to be investigated and be reversed.
Bank of America has taken at least over {$100.00} from my account within the past month. And have been eating my whole paycheck, causing my bank account to be always negative.
I belive the date was XXXX/XXXX/17 between XXXX & XXXX PST, when a XXXX XXXX from XXXX XXXX XXXX called my job on our recorded line and after being advised that the call was recorded asked for me using my first & last name. I was on the phone with a customer at the time, but sit right next to my manager that took the call. I could here him as he repeated my first & last name and asked XXXX if her call was personal or business related. She must have said personal or something related because I heard him tell her the employees could n't take personal calls at work twice. However, instead of ending the call, Citi Costo Card, XXXX XXXX XXXX & their rep. XXXX XXXX proceeded to embarrass, humiliate me & caused me to get repremmended by insisting on leaving a non-prompted message for me. Next thing my manager is handing me a sticky note and telling me what sounds like a debt collector called & insisted on leaving a personal message for me after he advised we ca n't take personal calls. He said XXXX XXXX from XXXX XXXX XXXX said she was calling to give me some information. Then had a few words with me about personal calls. 
XXXX left the XXXX # for XXXX XXXX XXXX along with her extension XXXX. Which is misleading cause they call from a different # which is a TX state phn # XXXX XXXX XXXX XXXX. Now I 'm XXXX because this can come up during a group random call review in training. Anyway now my job has this on record/recording which is not only humiliating but can be damaging to my reputation and profession and could cause me to lose my job. Later i found that Citi Costco Credit Card div is having them call. How could they have them do this to me?
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lost of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.
information such as birth year is wrong on credit report, as well as previous addresses and previous employers. the items on the report i have no knowledge of before this report and have been trying to report fraud since XXXX.