WillisBack/dataset-financial-user-claim huggingface dataset:
The law firm that XXXX hired to collect their debt is calling me on my cell, my work number. They are leaving VERY DETAILED information on my parents home phone, my sisters phone and my friends phone stating that this is XXXX XXXX from API and this message is for ( My Name ). XXXX ( My Name ), your agreed upon payment of {$170.00} failed to clear your bank and came back as insufficient funds. If we do not hear back from you within 24 hours we will be contacting XXXX XXXX for fraud charges for them to take their action on a state and federal level. Please return my call at XXXX ext XXXX And a XXXX also left this same message with a call back number of XXXX ext XXXX I do not live with these relatives or friends. They should not be leaving these types of messages.
At the end XX/XX/XXXX for the period XX/XX/XXXX to XX/XX/XXXX we had a balance due of {$54.00} on a Menards Big Card, hosted by CapitalOne. We paid that off by check on XX/XX/XXXX, which was cashed by Capital One on XX/XX/XXXX. 

That was the last we heard from Capital One until - the end of XXXX when we received a bill from Menards ( Capital One ). The balance due was XXXX, but they added a {$25.00} 'late ' fee, bringing the new bill to {$180.00}. By looking up the receipt online, I find we charged {$150.00} on XX/XX/XXXX. We never saw a XX/XX/XXXX bill for that charge. 
I do n't think the late fee was warranted, as we had NO record of owing Capital One any money. Regardless - We decided to pay the bill and be done with Menards and Capital One. So we paid them the {$180.00} through XXXX XXXX XXXX on XX/XX/XXXX, who sent it to Capital One on XX/XX/XXXX. 

Capital One claims to not have received that money until XX/XX/XXXX, although XXXX XXXX shows Capital One took it on the XX/XX/XXXX. 

Now ( XX/XX/XXXX ) we get our XX/XX/XXXX statement from Capital One, where they add another late fee of {$30.00}, plus interest of {$4.00} for a bill that WE paid off on XX/XX/XXXX. 

Checked with the CU, they sent it to the right account, and confirmed when CapitalOne Acknowledged getting the funds. 
Called CapitalOne, they were n't helpful only telling me the CU mailed them a hard copy check, which is what took so long. Cancelled the card and told them to send me a final bill. 

After lodging a complaint with Menards - CapitalOne gave us a refund on XX/XX/XXXX of the late fee 's and interest. My complaint stands however as part of this companies record.
I was garnished for a debt by new century and I do n't owe the debt wssnt provided the original debt info and cause embarrassment at my employment for.garnishment and not.knowing about this debt or court to dispute the debt ..I was garnished which cause extreme financial hardship and still ca n't find what this debt was for and I do not owe this money
Card : American Express XXXX Preferred Guest Card Opened account in early XXXX XXXX, when XXXX had a promotional account opening reward bonus of XXXX SPG point, with certain spending requirement. 
Here 's my statement amount for the first several months : XXXX : {$390.00} XXXX : {$7900.00} XXXX : {$1700.00} Those amount should easily cover the spending requirement. But I have never got my rewards. So I contacted XXXX 3 times, once in XXXX, twice in XXXX. I 've been getting the same answer every time. 
The " official '' answer is : this is a known issue and we 've been investigating it. You will get your reward soon. That 's XXXX. 

I 've no where to file a complain so hopefully you guys could help out here. 
Thank you so much,
The bank has refused the fees charged on my account from them. My account was charged return fees. Obviously, it is a bank error. The teller who helped me has n't stopped my check even though the payee portion of the check was missing. Due to the returned check, the bank locked my account until my request. Also, for the period in which I was locked out of my account, the payment was scheduled and retuned too. 
I am owed {$60.00} for fees charged incorrectly.
I have been trying to get my free annual credit report and dispute items, I recently disputed some item on the XXXX XXXX site. than I received an email that stated my dispute was investigated and the confirmation number to see what was the outcome, everytime I try to log in with that confirmation number their site sends a message stating that its unavailable. this happens everytime. Also when I try to get my report it states that I have already received a report which in fact I haven't received my annual credit report from Equifax only can I see my report on XXXX XXXX. 

XXXX website is always unavailable and then tell me that I have received my annual credit report.
I did a balance transfer from XXXX to payoff Nordstrom. The balance transfer check was received on XXXX making the balance " XXXX '' but Nordstrom still charged interest, which posted the day after the payoff and as of XXXX I am still showing {$2000.00} plus balance. 

I sent a message asking to revert the interest charge of {$39.00} and to close my account.
Hi I was a victim of identity theft and my XXXX credit score was at XXXX and I open up a dispute with my credit bureau and I received a email alert from American expresss and they lower my spending limit to XXXX due to my credit score is low and I explain to them that I paid my credit cards on time and I have few accounts on my experian credit report are fraud American Expres told me that I need to to fax in my tax returns and my bank statement and they are closing my account soon and didnt want listen to my situation and made it so hard for me ... .. and I spoke to a supervisor and he was rude to me and called it night and I called XXXX fraud dept and told them about my American Express account and they didnt want to assist me and hung up on me three time and stated that I need to call the next day because they will be closing in 15 mins .... and experian refused to assist me and American Express dont want to contact experian ....
On XXXX XXXX, 2016 I received a letter from Equifax dated XXXX/XXXX/2016 with the results of a recent dispute. Basically the letter stated that the item that I 'm disputing is no longer on my credit report. Looked on Privacy guard report dated XXXX/XXXX/2016 and XXXX XXXX report dated XXXX/XXXX/2016 and XXXX XXXX XXXX ( XXXX XXXX is still appearing on my report. Called Equifax on XXXX/XXXX/2016 at XXXX cst and spoke with a XXXX a customer service rep that works with Equifax that states my letter do n't say what I 'm saying it says. I asked to speak to a supervisor she transferred me to a supervisor by the name of XXXX where I was told that the confirmation was for an address deletion. Lastly, I was transferred to the fraud department where I spoke to an XXXX and was told they ca n't remove anything even if I have the proof only the creditors can, now I sent them the response from XXXX creditor where they stated that they ca n't remove anything only the credit bureaus can. Please help me Equifax is a scam. Please find I included all evidence that I have. My dispute, their response, and my credit report.
My mother had XXXX and somehow because I was paying her bills they put the bill in my name. She had a XXXX and stopped watching TV and I can not get the installation documents from them or CBE who is arrogant and irrational. 

I tol d them this but they refuse to supply this. They sent me a list of charges after the acct was put in my name that proves nothjing. 

I want the imstallion receipt or want a decent settlement.
There are several items reported on my credit with Trans Union that are not mine. I was n't aware of the accounts being listed on there until I decided to review my credit report. I submitted a request to have them removed but this was not done she with no explanation as to why they were n't.
I am a former customer of TD Bank and filed a fraud dispute for two transactions : XXXX XXXX on XX/XX/XXXX for {$410.00} XXXX XXXX on XX/XX/XXXX for {$400.00} These were unknown and unauthorized charges. I called and filed a dispute for both to find out today neither were ever entered or filed. Since then I have closed my account. This is very disheartening as TD Bank has allowed someone to get away with fraud. 

My SSN is XXXX ... XXXX ... XXXX. I no longer know my account number. My DOB is XX/XX/XXXX. My address is on the complaint.
I HAVE APPLIED FOR FINANCIAL ASSISTANCE TO SAVE MY HOME WITH BAYVIEW, I HAVE COMPLIED TO THE NUMEROUS REQUEST FOR DOCUMENTS AND WAS INFORMED THAT THEY HAVE DEEMED MY FILE COMPLETE WITH RECEIVING ALL DOCUMENTS NEEDED TO SEND MY FILE TO THE UNDERWRITING DEPARTMENT. THIS WAS DONE AND CONFIRMED ON EVERY CALL SINCE XX/XX/18. I WAS TOLD THAT THEY WILL HAVE A DECISION WITHIN 30 DAYS SENT TO UNDERWRITING, I HAVE REVIEWED THE FHA HANDBOOK FOR MODIFICATIONS TO DOUBLE CHECK AND THEY HAD ONLY 30 DAYS TO ISSUE A DECISION. THEY ARE WAY OVER THAT GOING ON 2 MONTHS HERE IN A FEW DAYS, ALL THEY SAY IS WE ARE BEHIND. THAT HAS NOTHING TO DO WITH ME THAT THEY ARE BEHIND AND THEN THEY START GETTING RUDE AS IF I AM BUGGING THEM TO DO THEIR JOB.
We refinanced our home with Wells Fargo and they made the check for more than the amount needed so they said they would send us a check for the balance. The closing date was XXXX XXXX, XXXX. The original loan was paid off XXXX XXXX, XXXX. The check for the balance was made out XXXX XXXX, XXXX and we did not receive it until XXXX XXXX, XXXX. The envelope that it came in was postmarked XXXX XXXX, XXXX. That is 1 week from when the check was written. My complaint is that we should have received that check by XXXX XXXX, XXXX which is 17 days before we deposited it in our checking account.
I have an unverified account from IC SYSTEMS. I had previously disputed this account. I have never done business with IC SYSTEMS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that IC SYSTEMS Provide verification of the fol lowing : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemizat ion of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEMSCease and Desist all further communications and collection actives and provide the verification of the purported debt.
I was having difficulty accessing my accounts with Santandar through their online banking. I called the XXXX XXXX on the recorded line. After identifying myself through their automated system and changing my pin #, I was connected with XXXX, a represntative. I reviewed my difficulty with XXXX and he asked if he could ask me questions through public recored to confirm my identity. Although, I was confused why they would use public record as a means to confim my identity, but nevertheless I agreed. He asked me my name, address, and social security number. After a pause, he stated that he could no longer help me and that I needed to go to a branch. I was astonished that these were the " tough '' security questions that he asked and even more surprised that his service solution was for me to leave work and go to a branch. Clearly those questions are the very bare bones of identifying someone and I expected a deeper inquiry but received none. I asked to speak to a supervisor and XXXX stated that the supervisor would only state the same thing he did and that XXXX ( actually XXXX ) did not wish to take my call. I insisted and asked to wait to speak to a person in charge. i re-iterated that I did not wish to cause any trouble but wanted help to my issue and not deal with a branch. XXXX eventually picked up my call after the transfer and I reviewed my issue with her. She blamed the " system '' that her and XXXX use and stated their was nothing further to be done. I begged her to please ask me more difficult questions but they declined. I was open to alternatives to resolve this but XXXX and XXXX were not even remotely interested in exploring any other means. Remember, i was able to change my pin but they could n't ask me the amount of my HELOC payment. I told them that their service was poor and uncreative in spite of a basic request. I asked for her supervisor as I desired to provide sorely needed feedback and to explore further assistance if possible. I received no name, no phone number, no email to which I could address my complaint. I did receive a Client relations address to hand write a letter to. I also asked why she told XXXX that she did not wish to speak to me and or hear about my issue. She denied that that happened and in turn made XXXX a liar. Please remember this was a recored line, so there should be no dispute about any of this.
I sent Trinity Financial Services an offer letter dated XX/XX/XXXX, to try to settle and resolve an amount that has n't had payment since XX/XX/XXXX. Since then, I have had zero response on the offer. I have called in multiple times with no response. This is the second time I have had to file a complaint due to the negligence and unfair practice by this company. I have been told management will contact me and still to this day have had no resolution or response. I am given the run around and told I will be given a call over and over and they still have not communicated with me. I asked for a response within 15 days and it has been over 30. This company has kept me and the status of the HELOC in the dark with where they stand and are causing me financial harm. I believe their intentions are malicious and the have little to no interest in trying to come to a resolution with me.
My loan with Caliber Home Loans was transferred to XXXXXXXX XXXX   XXXX XXXX after the security was acquired by XXXX XXXXXXXX XXXX. I've been informed by XXXX that there are 2 months of payments missing and that they are waiting on a wire transfer from Caliber in order to reconcile my account.

Caliber did not transfer all of the funds associated with my loan and as a result, my account is showing an incorrect balance. 

XXXX has requested the wire transfer. Caliber has either been obstinate are incompetent in completing the request.
This month showsthat we are shorton escrow morethan {$900.00}, but alsoafter the bank didthe escrow analysis, somehow we are short from 2012 more than {$6000.00} which you, the bank decided todivide the payments in XXXX, we will pay more than {$2000.00} a month and we simply CA N'T do it, and we will neverbe able to catch upwith the mortgage, that was the reasonwe went bankruptcyand did a loanmodificationbecause wecould n't afford {$2000.00} a month. 
We contact theOcwen to pleasemove the {$6000.00} tothe back of the loanso we canconcentrate payingwhatever shortagewe have in escrowthis year. 
Please help us
The loan Depot pre-approved and also submitted a letter of commitment to the buyers of my home to give them the home loan. I went through my process found myself another home moved all of my belongings out of my house and into a storage facility to which I am paying {$200.00} a month on. We were due to close this past Friday. I was contacted on the day of closing that they would not fulfill their agreement because they discovered that the buyers had a credit card bill that they missed in there investigation of their finances. I tried contacting them and discussing the situation with them to which they were very rude and basically said I'm sorry for you and hung up on me. This has left the buyers of my home completely distraught because of their lack of professionalism and I myself and living at my son 's house, paying for storage for my belongings and I will probably lose the house that I was going to purchase. Not only that this is affect the people I was purchasing from. I truly don't understand how they can possibly get an A+ rating for treating people this way. It was their fault they missed it yet the buyers of my home myself and the sellers of the home I was hoping to get or all and despair wondering what to do. The buyers of my home are so upset they don't even want to pursue another loan through someone else they just want to be done with it so now I have to put it back on the market spend more money on storage living with my son all because of this. I have absolutely every plan to take legal action. I will not just lay down and be treated like this. I would like to see this XXXX XXXX fix their mistake bye XXXX up the {$4000.00} in credit that their client had that they missed and giving the client the loan for their home so that we could all move on. They can afford it it was their mistake and we should not have to deal with this
I had some low interest credit cards that I was using for my business but the rates quadrupled overnight and made it so i could no longer afford to make the payments. This rate hike was not something that was ever disclosed to me and it should not be owed.
On XX/XX/XXXX I was declined for an apartment based on the inaccurate findings provided by XXXX XXXX XXXX and XXXX XXXX. On XX/XX/XXXX I contacted first advantage to provide proof that the eviction that were reporting was discharged by the court and deleted from public record over 2 years ago. I provided them with the original court documents with the legal verbiage, a deletion letter of the public record being deleted. However the eviction that they were reporting, they claimed they found on my credit report was never on actually on my credit report, rental history, consumer report or public record. I have spoken with members of their tenant screening reps, disputes, review team and department supervisors of each department, yet they are adamantly refusing to delete the inaccurate information which in turn is preventing me from obtaining an apartment. I have applied to 3 apartments and have been turned down by all 3 due to first advantages gross negligence and non compliance with the Fair Credit Reporting Act and have lost over {$300.00} in application and administration fees.
Have filed many disputes and complaints in order to correct the information shown in the attached letter as well as remove hard inquires that were NEVER authorized.
Loan was taken XXXX for original amount of {$5400.00}. Payments began the year of graduation in XXXX. Capitalized interest was added to the loan ( approx. {$2700.00} ). Monthly payments of approx. {$90.00} have been made for over 8 years. The balance as of today is {$5600.00}. Information on website says loan will be paid off in XXXX. This seems outrageous. I feel like this is a bad loan and needs investigating.
It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX, XXXX and XXXX are the XXXX main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.
how do i get credit card companies to stop sending me " balance transfer checks. '' despite having called all of my credit card companies and told them to stop sending me all balance transfer offers, i am still receiving them from XXXX and from citi. is this a common practice?
On XX/XX/XXXX my husband and I financed a car with XXXX XXXX XXXX. We searched for a car dealer that reports to all 3 credit bureaus and chose XXXX XXXX XXXX for their advertising statements that they report to all 3 credit bureaus. For 1 year and 2 months this company reported our on time payments/never late to all 3 credit bureaus. InXX/XX/XXXX they stopped reporting to any credit bureaus. We contacted the owner XXXX XXXX who advised us that for his business needs he has stopped reporting. We advised him that we only went through his company because he reported to all credit bureaus. We insisted that we were never notified in advance of a change to his business practices and reporting processes. He said there was nothing he can do. We feel like we were mislead with false and misleading business practices to get a loan with his company. This has now ruined our opportunity to purchase a home and has now stalled our credit report.
I have received several phone calls at work and my work has been contacted by the company for employment verification. I have spoken to CKS and asked that they not call my work but rather my personal phone number. They also continue to call my family which I have asked they discontinue doing as well.
My loan is currently overdue. I have been trying to work with Wells Fargo to resolve its overdue status. Wells Fargo has refused to work with me in good faith. It 's actions include : ( 1 ) After being notified that I was to start a new job on Monday, XXXX XXXX, 2015, it threatened to set a foreclosure sale date unless I provided 30 days worth of pay stubs by Friday, XXXX XXXX, 2015, the business day before my new job begins ; ( 2 ) It has twice offered to enroll me in assistance programs only to tell me that those programs do not exist when I tried to accept the proposals ; ( 3 ) Wells Fargo proposed a streamline loan modification and offered me the chance to appeal by submitting additional documents, but then refused to consider the documents I provided ; ( 4 ) Wells Fargo has refused to communicate with me at all and is now communicating only by telephone during hours that I have informed it I do not have access to a telephone. 

All of the foregoing is summarized in the attached letter from me and the accompanying documentation.
I disputed an adverse account on my credit report. I disputed with all  XXXX  credit agencies : Experian,  XXXX   XXXX , and  XXXX . I had a student loan with  XXXX   XXXX  which was opened in  XXXX  and the first reporting date was  XXXX  based on Experian 's updated report. It was delinquent. The account was purchased by another company and paid  XXXX   XXXX  in full in  XXXX . According to credit bureau information, delinquent accounts should be removed  XXXX  years after first reporting  (   XXXX   ).  Therefore,   XXXX   years would be   XXXX   XXXX  . Why is this negative account STILL on my report after  XXXX  years has passed? This negative information is causing me problems in getting a job.
I received a letter from my mortgage provider, Wells Fargo stating that they incorrectly calculated my payment per our agreement terms. As a result, the monthly payment they billed was too low to pay off account by maturity date. They now want to increase my payment. The first letter was provided on XX/XX/XXXX. Since then I have made multiple calls with no answer to why this happened and why their mistake is my issue now? I called the number they provided on XX/XX/XXXX. I 've made multiples calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with additional calls on XX/XX/XXXX and XX/XX/XXXX. This is only the calls that I have recorded, with additional calls made with no response or answers. The letters I received, started on XX/XX/XXXX, and there after in XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX all stating they are looking for answers. I feel that the mistake they made are now on me by increasing my payment and have not held themselves accountable.