WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2015, I noticed that Ocwen Loan Servicing was not accurately reporting monies paid towards my mortgage loan. I notified Ocwen on several occasions to remedy the inaccurate payment history reporting. I then contacted Ocwen 's Ombudsman. 
By letter dated XX/XX/2015, the Ombudsman representative writes, " Unfortunately, Ocwen is unable to resolve the technical issue which is causing the online history to reflect only partial information. Therefore, in an effort to resolve your concerns and ensure you have the details of your payment history, I have enclosed a detailed accounting of your account. '' With that said, if I lose the Ombudsman 's document and my bank records, Ocwen will hold me responsible for monies already towards my account. 
Your assistance is requested ; I should not be denied accurate reporting of monies paid towards my mortgage account on any and all Ocwen payment history systems.
I am receiving repeated calls from a company named High Point Asset stating that I owe a debt to payday Lian companies called XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I was told on yesterday when I talked to XXXX XXXX that when you take out payday loans online and when it does not clear your bank you owe the original company as well as the lender they used. Unheard of. I have done online payday loans, but they have been paid back. I do not owe these bogus companies. I even asked for letters and they even sent me a supposedly validation of debt.
I bought a {$300.00} US Bank prepaid gift card as a wedding gift for a family friend. To our chagrin, they reported to us that when they tried to use it, most of the funds had been used, and the card was frozen. 

After calling US Bank, they decided to investigate the case, and was told to wait. I made several phone calls in the future, and was just told that the case was still being investigated. Eventually, we were asked to fax in necessary materials, including the credit card, the sales receipt, and my information. I was told that the fax would go directly to a supervisor and we would hear back within the next business day, but I never heard back again.
I called on XX/XX/XXXX to take advantage of a credit transfer for 0 % interest. The agent said it expired on XX/XX/XXXX and said that was on the check. I told her I didn't have a check but a letter. She then stated that we could go ahead and make that transfer on the phone and it was my understanding that I would be receiving the 0 % interest. I asked when the rate would go to the regular rate and she stated XX/XX/XXXX. I asked if it wasn't paid by then would the interest be retroactive and she said it wouldn't. 

When I received my statement it showed the {$2100.00} that I had transferred was paying an interest rate of 21.24 % vs. the 0 % I had transferred to. My Bank of the West Credit card is XXXX. 

I called on XX/XX/XXXX and they said there was nothing they could do at customer service. I asked for a supervisor and spoke with XXXX ( North Dakota ). He said he would have to listen to the XX/XX/XXXX call and would call me back which was fine. Today, XX/XX/XXXX he called me back and said that the agent didn't specifically say 0 % and therefore he couldn't do anything but he would take the transfer fee of {$83.00} (? ) off. I told him that wasn't the point. Bank of the West is my primary bank in XXXX, Kansas and I trust them and felt that my trust was being betrayed. I shared with him my notes that I had written down of 0 % through to XX/XX/XXXX and why would I ask how long the interest rate was good for if it was just a regular rate. He said he understood but because the agent hadn't specifically stated 0 % there was nothing he could do. I asked to speak with his supervisor and he stated she wasn't there but she would call me but she probably wouldn't be able to do anything. Her name was XXXX. I asked if I could get a copy of the taped phone call and he said that was only for internal use. Again he said he understood what I was saying but couldn't do anything. 

I called back through a different 800 number for a chance of another person possibly listening to the phone call and with common sense would know that I understood it to be 0 %. I talked with XXXX also in XXXX and she said she would review the call as well but she didn't think there was anything she could do. XXXX and XXXX are both supervisors in the same call center. 

I wouldn't have transferred money if I wasn't receiving 0 % which was a great deal. Now I have been hoodwinked when the agent said, " We can go ahead and make that transfer today. '' Instead the transfer was made with me paying a higher interest rate than the card I transferred it from. It didn't make sense to transfer from one credit card to another unless there was a special interest rate proposition. 

I have been treated as if I'm a ignorant person who just didn't understand. I'm very methodical and never would have made this transfer without getting 0 % interest. It's not only the principal of what occurred but in my opinion fraudulent how this transpired. 

I appreciate this being looked into. I still hate that my primary bank is who pulled this on me and if not resolved I definitely will look at pulling my accounts from Bank of the West. 

Thanks, XXXX
Costco Wholesales in XXXX XXXX offered a Credit Card with XXXX XXXX. I had the credit card for years without any problem. Costco decided to change their agreement to a Citi Card and to send a new credit card over mail. I received the letter that they were changing to Citi and I had no interest into using the new Citi Card provided by Citibank, so I cut the new card ( broke it ) and throw it to the trash. As the card said : " Call XXXX XXXX to activate your card '', and I had no interest into activating that card, I never called for activation and I never used it. I expected the obvious to happen : that having no activation in the card ; No One was authorized to charge anything to that account ; I never authorized it 's use! It 's my credit and only I am entitled to authorize its use! Surprisingly, Costco charged it 's annual fee to that account, and instead of Citi telling Costco that there is no active account because I never authorized the use of that account, Citi is making me liable for such fee plus their charges! -- So convenient for them to charge fees on an account that I did n't even know it was unfairly and abusively activated. So I complained to them, they said they close everything, and now I just received another letter that after their investigation, they are reopening the account and charging me. Can you help me understand my rights? I believe this is at least unfair, deceptive and abusive. If I never activated such credit card, how am I supposed to be expecting to pay them any bills?
TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX has mishandled my funds. They have entered over 300 entries to my account instead of just 12. The resulting errors which are obvious by the amortization schedule. As a result, XXXX has falsely reported information to the various credit agencies. It does not reflect my exceptional payment record, reports delinquent amounts and overstates my balance. XXXX refuses to accept the amortization schedule and yet will not provide me anything, other than 30 pages of false entries made to my account. They have manipulated a simple entry.
Before my loan was sold to Fay Servicing my loan never fluctuated. Now it keeps going up and up and their excuse is that my escrow is behind even when I have gotten my taxes lowered and my insurance lowered they still can not give me a good reason other than some figures that make no sense on a sheet of paper. I tell them that they need to explain this to me and they blow me off. I am being cheated by this company and I do not know what to do nor how to go any further. This is why I am bothering you folks, in hopes of getting some relief. Also, they will not refinance my loan or adjust it so my interest is lower because they are making a lot of money at my expense. My interest rate is 7.5 percent and they come up with many excuses why they can not lower my interest rate so they can make the money. They even blame the problem on the government. I think that after 18 years of on-time payments they would realize that I can make the payments but they say that my credit is not good enough and i do not show enough income to make this happen. This does not make sense to me. I am making my payments on time and have been so therefore they should see that I should have a lower interest rate. I feel they can make this happen but they are making way to much money at my expense to lower my rates. I think they are dirty dealing at my expense and i wish something could be done about it. Please help! Thank you, XXXX XXXX
On XXXX XXXX I made a purchase at the XXXX store located at XXXX XXXX XXXX, XXXX NY XXXX. There was an overcharge and the clerk canceled the initial transaction by issuing me a refund to my Visa card and ringing up the sale at the lower price. Today, XX/XX/XXXX, I noticed that TD Bank was holding fund for both charges but did not show the refund. When I called TD Bank and spoke with XXXX she said they could not do anything about this. I have an automatic debit coming through and holding both funds will leave my available balance short when the automatic charge comes through on Monday. TD Bank would not correct the error. All XXXX receipts that I have show authorization numbers which means the bank was contacted about the credit for the first charge.
Apparently I was seen in the emergency room at XXXX XXXX XXXX on XX/XX/XXXX and XXXX 2013. I have contacted the hospital for proof that I was on Free Care. The hospital was going through a transition at this time and no longer has access to these records. They do show that I was there and I paid nothing for my emergency room visits. The collection agency XXXX XXXX XXXX claims that they can not give me any information about the original billing office, XXXX XXXX XXXX XXXX XXXX. This is supposed to be a bill for the doctors who took care of me during these two visits. I have never received any bills from either XXXX or XXXX. After speaking to 3 different people with XXXX   XXXX XXXX today, I asked to speak to a supervisor. I received a call back from a female. Her English was very broken and I couldn't understand what her name was. Prior to her I spoke to XXXX and XXXX. I was informed by XXXX and XXXX and the supervisor that it was against the law for them to give me the contact information for the original billing office. I was asked by the supervisor if I remembered going to the emergency room on these days and I told her no, this was almost 5 years ago. After telling me repeatedly they were unable to give me any information. I just had to pay this or I was going to get sued and it would ruin my credit farther. She also said I had admitted being seen at the hospital on these days. So I reminded her of my statement and she said that was incorrect. I asked that she rewind the recorded conversation and she refused to do that also. I tried on my own to find the billing company 's contact information. I couldnt find any information on XXXX or from the hospital itself. I do not have an issue with paying for my bills. I only have 3 collections on my credit report. I have spoken to the other collection agency and I am waiting on paperwork from them. 

I dont understand why one company is having an issue with giving me the original billing companies contact information and XXXX XXXX is being courteous and accommodating. 

I look forward to having this issue resolved and being able to move forward in my next venture.
We had XXXX as our carrier in XXXX and XXXX. We had no issue with service but in XXXX of XXXX we moved to XXXX XXXX, XXXX. We had a very bad signal and could not even activate a hot spot it was so bad. People in the area and at the XXXX local office itself says it is a known issue. We had to switch carriers because we could not get service and XXXX still is attempting to collect cancellation charges through Convergent. A collections item has now appeared on my credit report and is very damaging to my score. I should NOT have to pay an early cancellation for a service I can NOT receive!
I received a payday loan in XXXX of 2016 through the company XXXX but the lender was listed as XXXX XXXX XXXX XXXX XXXX XXXX. I defaulted and then set up a payment plan with XXXX, the collection agency that works directly with Lend Up. I have one more payment until this is completely paid in full. 

I recently received a phone call from XXXX XXXX. They also contacted my mother and sister stating I owe them this money for XXXX XXXX for the same account. The amount owed they stated was not even correct. They were asking me to set up a payment plan or they would be filing a case with the court system. 

I did not want to agree to anything because I was not even sure of the account this XXXX XXXX was referring to. After some research, I realized XXXX XXXX was the lender through the loan I received from the XXXX company who already has XXXX collecting the money I owe. And, now this XXXX XXXX is attempting to collect the same debt. 

I want XXXX XXXX to immediately stop contacting me and I want them to be investigated for fraudulent collections and harrassment. I have sent them a PDF and screenshots via email of my account information with XXXX where I received the loan from XXXX XXXX as well as, my payment information to XXXX, the collection company for XXXX.
EOS is attempting to collect a debt from a XXXX XXXX XXXX on behalf of XXXX XXXX. They were allegedly sent my phone number by XXXX XXXX. I have repeatedly ( XXXX times ) received calls from their team. I have repeatedly ( XXXX times ) told them that there is no one here by that name, that I do not know this gentleman, that he is not part of any social or professional networks, and that I have not done business with XXXX XXXX or any affiliated service provider. They deny that I am telling them the truth and keep calling back despite me advising them not to call me again and alerting them to the fact that my phone number is on the Do Not Call Registry. Nothing phases these people. 

If this were not troubling enough, I called XXXX this morning and after a series of transfers was directed to their Fraud department. They have no record of my phone number in their system and do not know how XXXX got my number so there is nothing that they can do to call off these dogs. So clearly there was a mistake made somewhere, but I am now being harassed. 

Anything that you can do to assist would be greatly appreciated. The calls during work are especially problematic as is the obtuse nature with which their employees behave.
Earlier this year, 2017, Hunter Warfield contacted me regarding a bill with XXXX XXXX. I was confused. XXXX XXXX was to send me a bill. I asked Hunter Warfield to send me a bill. When the bill arrived by mail, I saw that XXXX XXXX had been sending the bill to the wrong address. I called XXXX and they said that they had already submitted to collection.There was nothing they could do. So for several months I tried to resolve with Hunter Warfield. They were rude, obtuse and finally I got to someone who could help me. I am on a limited income. Therefore, this was quite difficult. It was frustrating and unfair. I finally settled.
Last year I noticed a transaction in the amount of {$28.00} that was designated as an escrow transaction. I do not have an escrow account, by choice. I was assured that the account had been corrected. 
Again, this year another transaction for the escrow account in the amount of {$340.00} posted in XX/XX/2018. Since I do not have an escrow account, where is this money coming from to pay the insurance? Would not someone have noticed there is not an account to draw this from? I am beyond frustrated with this lack of follow through. See the attached document from the re-fi closing where the mortgage is designated as non-escrow. ( in yellow ) Now  the insurance has been paid without my knowledge or consent and I am in the process of changing insurance companies. Now it is my burden to wait for a refund check from the insurance company that was paid in error. 
I paid more to obtain a mortgage as a non-escrow account and now I am spending my time to fix what should have been right the first time, or at the very least fixed when I inquired about it last year. 
When I contacted them last week, I requested that I be contacted via email within 24 hours regarding the plan to correct the issue, I have yet to hear from anyone at Rushmore.
I am getting daily phone calls from Hyundia credit about a nonpayment on late fees for a car loan and have requested that I do not be disturbed during Sundays - Dinner time or after evening hours and they keep harnessing me about a {$64.00} dollar late fee. I have requested several times that I am making my car payments and each month but this harassment continues for a mere {$64.00}. I need someone to intervene on my behalf. The phone # they are using is XXXX. I will sue them if I have a legal concern
Promotional purchases & Non promotional Purchases. : * Account opens on or about XX/XX/XXXX new acct etc. 

* USA Mail theft is reported XX/XX/XXXX. Listed in the report is XXXX. 
refer to download. 

* via. XX/XX/XXXX-XX/XX/XXXX i was charged a promotional purchase non payment fee. 

* Communications store - card returned those fees and adjusted account. 

* The charge still is being charged monthly for over 16 months after adjusted by creditor. 

* Once fees are returned and account adjusted it is fraud to charge a non payment promotional fee once the fees are credited back to the account, for prior adjustments via, the creditor overall higher available balance is negative indicator in notice of the financial adjustment its reporting a indicator.. 
* Issues. : the credit card company has not reported the contents in the police report as lost/ stolen with the credit bureaus. 
* It is required it report accurate and properly. wherefore, * creditor on the deductive non payment promotional balance fees. 
* Creditor reports great payment history * Creditors mark.- high revolving balance * notes.- non payment promotional purchase etc.. 
* Denial of credit line increase. 
* In case law the account is a US Theft in the amount of value stolen {$800.00} Be advised, On XX/XX/XXXX thru XX/XX/XXXX I was advised by a credit reporting agency 's. XXXX XXXX a freer tool of a data breach my information was found in by use of 3 companies going back to XX/XX/XXXX thru XX/XX/XXXX.  In review of credit cards, and credit reports, and other financial information the credit company 's information has used i claim in 2 areas be acknowledge * The value of the police report is the contradiction of the billing department * A new card should of issued and if issued the account information with the credit reporting agency 's should have information about the close of the credit card * And have the information of the current account accurately. 
* XXXX  '.
XXXX Inquiry XX/XX/2018 - XXXX and Experian is reporting - This was an unauthorized inquiry not authorized by me.
FCRA st ates information reporting has to be 100 % verifiable and 100 % accurate and otherwise the information must be removed under the Federal law. ALLIED INTERSTATE LL has been reporting unverifiable and inaccurate information on my credit which has damaged my  credit and I intend to litigate if they do not remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal
I never had an agreement or contract with this company Monterey Collections XXXX but started receiving calls from them stating I owe them money for a closed and old debt from a company that was taken out in XXXX that never contacted me since I can remember. I started receiving the calls in XXXX and my credit report was hit in XXXX. They 've since then been adding {$1.00} a month to knock my credit score down tremendously. It 's frustrating because I 've since worked in my credit and cleaned it up since I 've retired due to the financial struggles I experienced while on XXXX XXXX not by choice. How can a company I have no agreement, contract or any dealings with do this? Being threatened over the phone to sue me and attack my score until I pay them in full has really affected me mentally and physically. They 've kept there word with the " affecting my score threat! '' It 's also odd they have my old address but I was never contacted by the original company. I 've even gone through a debt consolidation company that included this past debt called XXXX XXXX XXXX XXXX. I 've had enough medical and life issues I 'm dealing with daily and these people are n't helping me or my situation by harassing me or others. Please help.
XXXX XXXX sued me where I did not live on XXXX alleged accounts they say I owe. They sued me in XXXX County Justice of the Peace Precinct XXXX, when I live in XXXX County over XXXX miles away. I gave them my address and contact information, however they continued to pursue the suit in XXXX County. It was n't until I informed them that I would exercise my right under the Fair Collections Act did they finally drop the suite in XXXX XXXX. They knew of my address long before they filed suit in XXXX County and even used a XXXX lawyer that was located less then XXXX miles from my home to process the suit in XXXX County, even though they have many lawyers in XXXX XXXX that handle local lawsuits for them. They were hoping I would not notice the lawsuit and I would n't have noticed if it was n't for a local lawyer soliciting his services to defend me and informed me I was being sued by XXXX XXXX. I have denied this debt to them and even sent them a validation letter once I got word of the suit. They never notified me of the this debt prior to filing these suits as well as filling it in the wrong county XXXX miles from my residence. The following alleged accounts they say I owe include ( Citibank ending XXXX ) and ( XXXX XXXX ending XXXX ).
On or about XX/XX/XXXX, my Chase credit card was stolen along with other items in my wallet. I believe my card was stolen around the XXXX XXXX XXXX XXXX. I left XXXX on XX/XX/XXXX and I returned on XX/XX/XXXX. Upon discovery that my card was missing, I reported the card lost / stolen with Chase and they immediately closed and reissued the card on the account. 

There were a number of charges on the card that I did not make. I filled out claim forms with Chase and they recently sent me a letter informing me that the charges were put back on my account. There were close to {$8600.00} in fraudulent charges that I did not make. In doing research, these charges were made around the XXXX area, which is over 300 miles from where I live. 

I tried to call Chase and I was told I had to speak with a specific account representative. The number I was given was XXXX and the extension number was XXXX. I left two messages over the course of three days and I can not get a return phone call from them.