WillisBack/dataset-financial-user-claim huggingface dataset:
Midland Credit Management has been trying to collect on a credit card debt I had accrued on a XXXX.. 

The debt letters they sent me stated that my max percentage of discount I could receive would be 20 %. 

The mother of my children who 's lived with me for XXXX years also has some credit card debt with XXXX . Frankly it 's more my debt, but anyways point is, it 's ALSO in collection status and also with Midland Credit Management. 

The offer she was given was 40 %. When I contacted MCM management the supervisor acknowledged that our accounts are not being given the same discount percentages. Instead XXXX tried to negotiate with me. He was negotiating terms like a salesperson at a commisions based electronics store .... 

When I asked him to match the 40 % discount given to my wife, he said being in my shoes he would do the same, however, he was unable to provide me 40 %, only 35 % and the reason for it was because my account was in some other type of department or status, that was all he could say. 

When I told him that negotiations were not part of why I was calling, he tried to tell me to basically take it or leave it, and even told me to hang up the phone, it made no difference to him. 

I repeatedly expressed my desire to make a payment agreement of either 40 % XXXX time payment or 35 % XXXX payments before we got off the phone. The offer which was made to me prior was 30 % at XXXX payments ( 50 % each ) to pay off the balance. One supposed to be made on XXXX XXXX and one for XXXX XXXX ... 

However, XXXX XXXX felt it was better to try and negotiate percentage points with me. He would NOT accept ANY arrangement asked by me. Instead everytime I would ask him if they would accept a deal, they would instead just counter with a lower percentage, and would require it as a 1 time payment. 

Tired of this harassment, I told them to cancel ALL payment agreements until I was given the correct percentage discount off my debt that my wife was receiving for the same creditor/collection agency. 

I urge for your assistance with this matter, to prevent this company from allowing to continue doing business as it is currently. They have poor training it seems at MCM on how to deal with consumer debt as I was literally negotiating with a high level supervisor over a matter of 1-3 % at times .... 

Ultimately they failed to match the discount given to my wife, so I canceled any payment agreements until they get their act together.
I currently have a loan with Nelnet. I have the income base payment plan, but the monthly interest is higher than the payment I can made. So my balance is increasing instead of being lower with my monthly payments because I am not paying enough to cover the interest. I write an email to Nelnet to  see if they can apply my payment to the principal, but they respond that my payment go first to interest and last to principal. And that I need to make additional payments in order to lower the principal. I can not pay a bigger amount right now and I feel that I am wasting my money because is not making any difference in my final balance.
This complaint it to do with Carrington mortgage services LLC I have tried to do a loan modification with them Im on my sixth attempt they do not get back to me with information that they request when I call once a week once I submit the information they tell me what they may need I get it to them this last time the girl told me I need to submit a paper which I did the next day which I have a copy of they said because I did not re-submit all the other paperwork so it was all in order they refused three mortgage this is been a problem for almost 2 years now since I was injured at work I have tried to give them payment they sent back stating they would not except any payments toward my mortgage unless it was the entire amount I had not submitted since that point at the beginning of this process I feel I have gone above and beyond trying to get them they refuse to communicate with me when they find a problem as most banks would they do not communicate they just close the system out I am trying to get back on track I am back to work was looking to start making payments but they keep denying state and I am not giving them what they need when I do have proof I have given them everything that they have needed and have asked for I have made the phone calls that they have made no contact to me I was originally with XXXX XXXX XXXX they turned or sold the account to Carrington mortgage services I was in the process of loan modification with them when they turned it over to Carrington they said I had to go through the process again which I started and I did and they feel they communicate with me and XXXX closing the case out I am now on my sixth or seventh time attempting to do this and I was wondering if there is anything that the government can do because I find that this is a little bit on the ridiculous side when a mortgage company will not talk with you and tell you our assist in trying to get everything needed to get this done I do not wish for a foreclosure I have never had a problem until I was injured I am trying to Do all I can to get this back on track and get back to normal payments and get this caught up and paid off at some point in my life this company does not seem to want to work with me when I mentioned call them and try to get additional information of why they said things werent sent and I have proof that they were said they just did not get it and want to put it in their own process of organization I dont know what their issue is but I am falling further and further behind to the point where Im probably going to lose my home and less I get some help please if you need any additional information I will be more than happy to give it to you thank you
Debt went in collections. It was paid as agreed had contacted both the creditor and debt collector about reporting it correctly. Neither would acknowledged me and my problem
I received my statement from NationStar Mortgage. After applying my payments catching up my payments, even though none were late, NationStar charge me {$89.00} in late fees on my statement. On the statement stated late fee is {$36.00}. I have no idea what this figure is. I doubt they do either. I have no idea how many late fees they have tacked on to my account, but this is ridiculous. 
NationStar also applied extra interest on my account when they misapplied the Loan Modification by waiting until a full payment paid, putting funds in unapplied funds instead of payments or principle ( see adj. Forbearance suspense where they fianally applied {$140.00} - that used to be {$180.00} plus change to principal ). They have been ripping me off left and right, extending the mortgage as long as possible.
Back in XX/XX/XXXX I had sent in a complaint ( # XXXX-XXXX  ), and I thought it had been resolved but it has not. All I want to do is go back to my original monthly house mortgage payment of {$1900.00} and then pay my own property tax payment. Wells Fargo paid my XX/XX/XXXX property taxes, which I want to repay them back for but not the additional 30 % profit amount they want to charge me. Also the escrow account I still don't understand how after 23 years all of a sudden it pop 's up?! 
I just want Wells Fargo to allow me to go back to my original monthly payments and they now want to add a percentage more. They are trying to suddenly make an additional amount of money off my home mortgage which I will not pay. I am so sick and tired of them jacking me around on this. I have always paid my mortgage on time each month. 

Sincerely, XXXX XXXX XXXX
We accepted an offer on our home with a buyer pre-approved by Chase mortgage. Chase delayed and delayed the closing several times saying that they needed additional information, that the loan was in for review and needed more time. Several times we were told that they would have the documents ready for the buyers to close on a specific date and they failed to follow through. We pushed our closing on our new home 3 times and had to extend our rate lock three times all based on lies from them that the loan would be approved, yet in the end it was n't because they did n't perform their most basic of due diligence on their loan. They eventually denied the loan because they could not verify our buyers income, one of the very first things they should have verified.
I paid for XXXX in a payment in full of balance and somehow I 'm still charged $ 80+ in  interest?
Was never notified that Wells Fargo had decided to decrease my line of credit from {$7500.00} to {$5700.00}. Logged in to my banking today and found that after having this account for 4 years and never missing a payment that had decreased my limit. When I called about it I was given the run around, and told it was because they had " received a soft copy '' of my credit report and it stated that I had open to many accounts recently and that I had to many inquiries on my credit. I found this to be pure lies because I have opened no new accounts and not let anyone run my credit in almost 1 year. They said well they use XXXX, which again I found to be lies because I have credit monitoring with XXXX and had just paid for a copy of my credit report to see the status of a fee accounts I recently closed and paid off ... The Wells Fargo representative said they would gladly run a full credit check, i.e. try and substantiate the very lie they are telling stating I have had my credit run this year and / or to many times. Why on earth would anyone let them run their credit again when they have already had the account for over 4 years. Or why would someone let them run their credit after a representative just got done stating you have to many inquiries on their credit. Either XXXX credit monitoring and credit report is lieing or Wells Fargo is utilizing unethical and illegal practices to attain credit information on individuals. Additionally, their management customer service representative became rude and ignorant and more concerned with getting me off the phone than fixing the situation.
We are in a Hurricane Irma FEMA designated area ( XXXX XXXX XXXX , FL vicinity ). 

We applied for and were granted a 2 month deferred minimum payment grace period on our XXXX credit card ending in -XXXX. 

We were told our credit limit would be raised from {$8100.00} to {$11000.00}. It has not been applied as of today. Consequently, we would not have been assessed a Citi {$61.00} fee on XX/XX/XXXX. 

Additionally, the {$75.00} fees for the cash advances were to be waived due to our extensive Hurricane Irma damage we sustained and is ongoing as well as the {$37.00} Interest Standard Adv XX/XX/XXXX fee. 

Total fees that were to be waived : {$170.00}. 

Thank you. 

XXXX XXXX
Debt Collectors XXXX XXXX New Jersey XXXX County, XXXX XXXX XXXX, Nationstar Mortgage LLC have engaged in illegal debt collection actions which includes Tax Evasion, Identity Theft, Criminal Acts against the consumer.
This company has reported the alleged collection to all 3 credit reporting agencies without notifying me of the alleged debt. No phone calls, letters etc. I have sent a debt validation letter with zero response yet they are still reporting to the credit reporting agencies.
On XXXX XXXX I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request. 
XXXX XXXX XXXX, in the amount of {$10000.00}
My mothers credit file ( XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX ) is showing a Chase Card, XXXX XXXX, XXXX, DE. XXXX, XXXX opened on XX/XX/XXXX when she was XXXX years old. On XX/XX/XXXX this account was closed, charged off with a balance of {$11000.00} due. With a Power Of Attorney I contacted Chase VP XXXX XXXX in their CRA department as well as numerous managers to validate the debt to no avail. Chase employees have repeated given me a facsimile line of XXXX to send the document in order to discuss this account. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX this was done. Additionally A copy was sent to Branch Manager XXXX " XXXX '' XXXX of their XXXX, Ga. branch with no resolution. 

As of this morning I again talked with Senior Specialist XXXX? -XXXX and was told he would not be able to discuss this account. Chase has begun a deliberate and unlawful refusal to validate this account
I had an auto loan with XXXX that has been paid in full per a letter I received from them ( the car was traded in ) however they are reporting my account as delinquent to the credit bureaus with a balance of {$0.00}
I defaulted on my student loans when I got out of school, because I did not have a job. 
Texas Guarantee has sidestepped every effort I have made to get these loans out of default. 
My original loans were about XXXX. Texas Guarantee wage garnished me for 5 years and took almost XXXX from my checks. Texas Guarantee refuses to set up a payment plan and is about to wage garnish me again. They say I still owe over XXXX on my loans. It is easier to wage garnish me, and much more profitable, because I qualify for a low payment. Texas Guarantee is running a racket and has ruined my credit. The people that work for them have no idea how to follow instructions. The new case worker has telephoned me one time. I have asked them to email me repeatedly. I have sent my income tax to them and answered every single question they have asked. It is not an advantage for them to get people out of default, so therefore, they do not put much effort into it. I requested a hearing, and they have given me less than a weeks notice. I tried to get it scheduled for another date and they refused. They are the most difficult company I have ever tried to do business with. If they do n't set up a payment plan for me, I will not let it go back to wage garnishment. I will quit my job and go on food stamps, before I ever let anyone take money from my check that I do not get credit for. Texas Guarantee is a governmental agency which is allowed to steal from the public and has no oversight. All I have asked for is a payment plan and to take my loans out of default.
I started working on my credit report in XX/XX/XXXX and sent updates to each bureau and I seen XXXX XXXX, equifax, some of the changes but all of the changes was not corrected. I have not receive any changes or updates from the other credit bureau. Please help me fixed this. I recently got married so mu name has changed from XXXX to XXXX.
I had two credit cards with XXXX XXXX XXXXXXXX, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was  the person who filed bankruptcy. I have brought this matter to XXXX XXXX XXXX in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that XXXX XXXX XXXX reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the XXXX XXXX XXXXXXXX accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.
Card was issued and began reporting to credit bureaus on or around XX/XX/XXXX. As of XX/XX/XXXX this card is in default in the amount of {$2600.00}. This card never should have been issued due to previous credit history of Chapter XXXX bankruptcy in XX/XX/XXXX. Summons and compliant was issued in XX/XX/XXXX and served on XX/XX/XXXX. It is unclear from this documentation how much of the consumer debt at issue is amounts spent versus interest and penalties accrued on the card. The issuance of this credit account appears predatory in nature given the fact that the account was issued only a year after bankruptcy filing.
The credit bureaus and XXXX XXXX alike have stated that the entry of this account on my credit report is verified. I beg to differ. In my most recent credit report ( see attached ), the following errors are present : Two different open dates are reflected : XXXX reflects XXXX & Transunion reflects XXXX. 
XXXX reflects terms of 1 month ; however, I have never opened an account nor have I ever signed a contract with this company. 
XXXX reports that there is negative payment history XXXX, XXXX, and XXXX of 2018 ; yet Transunion reports no payment history. 

These inaccuracies alone are grounds for this entry to be removed. The FCRA states that entries reflected on my credit report should be 100 % accurate ; these entries are NOT. Additionally, XXXX NEVER sent a dunning letter to inform me that they were attempting to collect on this alleged debt. By not doing so, this forfeited my right to dispute the validity of this account -- -of which is my consumer right. 

Delete this entry immediately from my credit reports.
I received a loan of {$400.00} from Advance America. I am a XXXX person and had a hardship and could not pay the loan myself. I had XXXX pay the loan. On XX/XX/2016 a Settlement Agreement was reached with Advance America / XXXX for {$250.00}. Yet I continue to be contacted by XXXX of XXXX claiming that I owe over {$300.00}. I have stated to XXXX that this debt has been paid in full. I have offered to present her with the documentation but she refuse to accept any documentation. She asked for an account number, I obtained the documents and account number but she again refused because she said the amount was inaccurate. I have requested that she send me some validation of debt but she refuses and instead threatens to take to court for the amount, which I do not owe, and have me pay court costs also.
I received my first call from this company AFTER they contacted my former in-laws and gave them information about my supposed debt. My forme r MIL ...   former by 7 years ... .called me with the number to contact  XXXX   XXXX   at Brennan and Clark . She told me that   XXXX   claimed she was an attorney and that   I needed to get this squared away so I did n't get taken to court. This was the FIRST TIME I HEARD OF THIS COMPANY. How incredibly embarrassing. This debt is a recent debt from a car insurance company that cancelled my insurance. I called  XXXX  back. She apologized right away for giving away my personal information to " secondary contact ''  ( former inlaws ).  She knew right away that what she did was not acceptable, and illegal. I have NO idea where she got their information ... from a   XXXX   search of my name? This is when she got my phone n umber ( a number that has been the same for nearly 4 years ). This was under four weeks    ago. When she spoke with me, once again, she claimed she was from an attorney 's office. The debt is obviously mine and instantly I said I would pay half the debt within the hour and that she could call me to pay the rest in  one  month. She has been relentlessly calling while I 'm at work, for several days. She has le ft two add itional voicemails to " fix my debt '' but today left a threatening voicemail that their lawyer will contact me if not " fixed by   XXXX   XXXX  . '' I immediately called back and asked her if she worked for an attorney. She said no. I asked if she were part of an attorney 's office. She said no. I asked if any attorney 's worked in that office. She said no. She said she believes that a department works with some type of legal services. At that point she would no longer answer any of my questions and tried to send me to her supervisor. He did not pick up but his phone but his extension is  XXXX . I called her back to get more information but she will no longer pick up. Her phone number is  XXXX
After sending certified, return receipt letters to XXXX on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$380.00} from Rash Curtis & Associates, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long XXXX  is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score,  as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by XXXX, I am seeking that this particular inaccurate assumption is removed immediately.
BOA are the frauds, theives. I have no idea why they placed a negative report on XXXX. If there was any suspected fraudulent activity whywas n't I notified?? Especially when they reported me XXXX XXXX & I had the acct till XXXX XXXX. They are the frauds. For several years they changed the order of my debits, POS transactions, etc. At least every month my acct would be in the negative. Sometimes as much as {$400.00}. I always kept very good banking records. Everyday I would deduct all my transactions exactly in the order they were done. When reviewing my negative balance and banking transactions over the phone. They always completely changed the order the transactions were done so the largest ones went thru first instead of the correct order which I deducted. When I would go to the bank to try to resolve my acct & fight for the fees back they always had my transactions go thru in their favor. I was a single mom with a child a house and XXXX jobs. They took XXXX off me. Approx that same year I along with thousands of others were involved in a class action lawsuit with BOA. Eventually I received a small compensation from it, but it was a drop in the buck compared to what they took from me. Please help me with this and maybe see if you cab have those theives remove me. Ty, XXXX
Wells Fargo sat in front of my uncle and I and promassed him every thing was taken care of pain his XXXX. Was not true all paper work was not taken care of. I lost everything. XXXX XXXX, XXXX XXXX to present XXXX XXXX. XXXX. XXXX XXXX is my name XXXX
Hello I have submitted a dispute with Equifax to have some unauthorized inquiries on my credit report removed. The dates the disputes were submitted was XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I always wait my 30 days out to get results and I am getting the same results. There has not been an investigation and no paperwork has been sent to me from these creditors that have pulled my credit. Equifax is not even doing the work to contact these creditors because I submitted a dispute on XX/XX/XXXX and on XX/XX/XXXX the results were back in so there was no 30 day period for them to doing their job. I am at whitts end with this situation with no results and a fraud alert has been on my credit report several of times due to these unauthorized inquiries, but they have not removed them.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.