WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX lied to us and said there was no contract and it would be the same like the one we had : {$95.00} for first line and {$10.00} for second line, total bill would be {$150.00} like the one we had before. In fact, the bill was {$190.00} and we never agreed to pay that price. XXXX rep said there was no contract so we returned the phones to sprint because we knew we could n't afford $ XXXX/month and if we knew the phone was not us at the end, we would not agree. XXXX made it very difficult to return the phones. sprint customer service rep said we could return at the store and many stores said they are 3rd party stores and could n't accept it and I had to go to the original store located in XXXX XXXX, tx where we bought the phones to return them. we went to original sprint store located in XXXX, tx for XXXX8 times and they refused to accept. I asked them so what they were doing at the store and they said they only activated phone. Too tired of going back and forth to the store in XXXX when we do n't even live in XXXX, we shipped the phones back to XXXX ( with XXXX confirmation ) and it showed that they received the phones. Then XXXX sent my account to collections and reported negatively on my credit report since XXXX of this year. I sent many letters to XXXX and collection agencies and receive no response. This has affected negatively on my credit report and my employment background check for my job when I do n't owe the debt
On XXXX/XXXX/2015 my sister initiated a credit card payment through XXXX XXXX XXXX online bill payment system to L.L. Bean Visa ( Barclay Bank USA ). The original credit card balance due was {$4700.00}. The amount entered by my sister ( in error ) was {$47000.00}, an over payment of {$42000.00}. 

I uncovered the over payment on XXXX/XXXX/2015 and as an authorized user on both accounts, immediately called both banks. Barclay Bank US informed us that they would return the original payment of {$47000.00} by issuing an online payment back to XXXX XXXX XXXX. They additionally instructed me to make another online payment for the original amount owed ( {$4700.00} ) before the statement due date of XXXX XXXX to avoid interest charges and late fees, which my sister did on XXXX/XXXX/2015. We were told by Barclays Bank US that it would take a week to 10 days for the original payment of {$47000.00} to be returned to XXXX XXXX XXXX numbers were assigned by both banks to our issue On XXXX/XXXX/15, after confirming with XXXX XXXX that no refund had been received from Barclay Bank, I contacted Barclay Bank XXXX again and re-explained what had transpired to date. I was given no explanation why nothing had happened yet on our case, was issued a new case number and told the the original payment of {$47000.00} would be returned to XXXX XXXX within 2 days. 

On XXXX/XXXX/2015 after receiving no payment from Barclay Bank USA, I contacted Barclay bank again, was told that the case number assigned to the call I made on XXXX/XXXX/15 had been closed because Barclay Bank USA was unable to issue a refund to XXXX XXXX XXXX because the original payment had been made through a " XXXX party ''. I asked why they did not inform me of this and got no answer. I questioned who the " 3rd Party '' was and they could not tell me. I got the agent from Barclay Bank USA to conference in XXXX XXXX XXXX online payment department, and the agent from XXXX XXXX confirmed that they use a " 3rd Party '' to process their transactions and recommended that Barclay Bank USA just issue us a manual check for the credit balance on our account, which the Barclay agent agreed to do. I was told by the Barclay Bank agent that this would be done within the next 24 hours and that it would take a week to 10 days for us to receive the check by US mail. She also mentioned that we could monitor our account online and that when we saw our credit balance return to XXXX, we 'd know the transaction had processed. She also assigned a new case number to the transaction. 

On XXXX/XXXX/2015 after seeing no change in our Barclay Bank Credit balance, I called Barclay bank again, went through the whole history again, was told that I 'd get a call back that day by a manager, which never occurred. I repeated the same process on XXXX/XXXX/15 and XXXX/XXXX/15, was given no feedback on the status of our case and told a manger would give me a call back, which has not occurred.
So in 2009 i went to school i was informed i was takeing out one loan and it was a promotional time so it would be abput 8,000 now i am being told it is 3 loans and like 15,000 i called to find out what i can do because i was told a different story they said theres noting they can do but give me an option to pay {$5.00} a month to pay it off
I bought a house in XX/XX/XXXX. Before I made the 1st payment the mortgage was sold to XX/XX/XXXX. Almost immediately the trouble began. First I was sent coupons for the mortgage payment. A week or so later I was sent new coupons with a lower payment because Arvest stated that I did not need to pay PMI on this loan. In XX/XX/XXXX I received my escrow statement that said I was over {$1800.00} short for the next year in my escrow account. Somehow after only making 3 payments, " I '' was short this money. A contacted Arvest and they quickly figured out that the mistake was on their end. They told me not to worry about it and they would fix it. They also realized their mistake with the PMI as my loan was still expecting PMI to be paid. I was " told '' the additional monies I had paid to reduce my principal were applied properly, but no paperwork was ever provided. Fast Forward to XX/XX/XXXX and I received another letter stating that I was now over {$1900.00} short for the next year. I contacted the company again and they still didn't have a clue about what happened. With " My '' help they figured out that " THEY '' had paid my property taxes in XX/XX/XXXX when they were " NOT '' supposed to have sent in that payment. The Mortgage Broker was supposed to make that payment since the money was included in my closing costs. I also have to wonder how Arvest can take an escrow account negative {$1800.00} and not feel the need to contact the owner of the account. The mortgage broker contacted me immediately when Arvest tried to contact them. It was determined that the check they sent me was never cashed as it was never received by me. They sent me the money a week later. After that I have only heard from Arvest once and I honestly don't think they even know what is going on. Now, after more than a month of talking to Arvest, no one will return my calls or answer emails and of course they decided to send me a late  charge for not paying a new monthly payment. The new payment is the result of the shortage, but since I was actively working with them to find the problem and no one on their end had ever called about a resolution, I did not realize there was a new payment to make. They sent me the new payment coupons around XX/XX/XXXXThe first payment of course was dueXX/XX/XXXX. I'm not sure how I was supposed to make that payment when the coupon arrives nearly 3 weeks after the payment was due. So now they want a {$30.00} late fee. Keep in mind I have not missed a payment this entire time. At this point I decided to send them the money owed from the XX/XX/XXXX escrow account since no one will explain why the value increased even though my taxes and home owners insurance costs did not change.
Found an offer on XXXX to open a Capital One 360 account and receive {$400.00} after receiving two direct deposit of {$250.00} within XXXX days. Opened XXXX accounts, one for the wife and XXXX for myself. No where on the offer is it stated that this offer is targeted to specific individual. After going over with multiple CS, they keep saying that this was a targeted offer and only available to a select few. XXXX accounts have not seen a single penny of {$400.00} and only seems like a way to dupe us into opening and maintain new accounts since we have already switched our DD at work
I have not received any validation documentation from United Revenue Services. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.
I did contact both credit collection agency listed on my credit report to dispute the XXXX collections on my credit report that do not belong to me or to anyone I know. 

The person 's name given to me by XXXX XXXX XXXX was a XXXX XXXX. I do not know this person and I believe this is a mistake or fraud on my credit report.
Hello, I have a credit card from Bank of America with a {$17000.00} limit and a XXXX  balance. I have had this card for 23 years. Even though I received an offer in the mail, I called in to do a balance transfer on Friday, XX/XX/18. The account representative asked for some updated information, but me on hold for 15 minutes. When he came back on the phone he cancelled my card and reduced my limit on my other Bank of America card. I asked talk to a supervisor, but the representative stated that person was not available because the office had just closed. I called back on Monday, and the automated system stated that my account was closed. I spoke to a supervisor and let her know that I had XXXX in liquid assets and had paid off {$5000.00} balance on another card which may not be reflected on my credit report. That did not give permission to check my credit, because if I had known, I would have asked more questions before giving permissions. She stated she would not change the decision. They Cancelled my credit card and thousands in credit within one working day. My credit score will be harmed and the only reason give was how much a utilized my credit, but I can't be ( prior to the adverse action ) more than 50 or 60 percent, and I have good credit. I asked to speak to a manager, they said he would call me but never did. 

Finally, I do have school loans, which I have had for some time, but they have never been lower and my income has never been higher. So I do not see why they took this action. 

Thank you, XXXX
I received yet another notice from Convergent saying I owe over {$1600.00} to XXXX network. I received XXXX the day before saying the same thing about XXXX. I have the following issues. 

1. I called Convergent today to see what they could tell me, which was absolutely nothing. I asked for details, and the phone was conveniently disconnected. I called back, and was on hold for over an hour, and still did not get anything. 

2. This debt was not me. They did n't even spell my name correctly. 

3. The notice had no option to verify debt, and when I asked them to, they wanted my social security number, which I 'm not going to voluntarily give without some form of verification of debt. 

4.This debt is waaayyyy past the statue of limitations to collect a debt in Michigan, which is 6 years. Considering I 've lived out of state for the past XXXX, nobody has a right to even try to collect this debt.
I submitted a prior complaint, case # XXXX, in XX/XX/XXXX. While I do not agree with everything in the company 's response, I accepted that they were going to move forward with my file and I was contacted by one of their representatives, XXXX XXXX, as promised in their response to my complaint. Their response said she would work with me to gather information to review for hardship assistance. XXXX XXXX contacted me XX/XX/XXXX to let me know she would be working with me. By XX/XX/XXXX, all information requested for the hardship assistance review had been submitted. Since then, I have sent in every additional piece of information she has asked for ( just as I did the first time when I knew what it was they wanted ), but still nothing has been done with my modification. I was told by her ( in writing ) that I can not make payments on my account until the matter is resolved, however, CitiMortgage does not seem to be moving to resolve the matter and it feels like they are simply stalling for some reason. We are now 7-8 months into the process AGAIN, and CitiMortgage is not communicating anything to me regarding the modification. We began the process XX/XX/XXXX! It 's ridiculous that it should take this long for review. Every time I reach out to XXXX XXXX, I 'm told that it 's been " submitted to management for review '' and that she is still waiting for an update from them. I am attaching all of the email correspondence between the XXXX of us as well as a letter I wrote to the Research and Litigation department XX/XX/XXXX which rebuts the points of their response that I do not believe are accurate. 
As I stated in my original complaint, I completed the modification process with XXXX, who holds my XXXX mortgage, in just a few months time, was offered a trial plan and a permanent modification. I started this process with CitiMortgage at the same time as the one with XXXX and I still do n't have any information regarding my file from Citi. I continue to communicate with XXXX XXXX regarding my case, but she is unable to tell me anything except " I am waiting for an update from management ''. Finally, in my last email to her I told her I was going to file another complaint with CFPB since that seems to be the only way I will receive a response. 
I have dealt with CitiMortgage in good faith and have sent everything they asked for the first time I applied for assistance ( which resulted in my XXXX complaint ) and again this time. They do not communicate in any substantive way about what is going on which is the problem I had the first time with them. If you look at my original complaint you will see this is very much the same problem I had with them the first time. At this point I do n't trust that CitiMortgage is acting in good faith to examine my hardship application. My husband 's XXXX is in remission and he is working again. All we want is some forward movement on this so we can resume paying our obligation and keep our house. We have remained current on our XXXX mortgage and just want to get this resolved without feeling like they are stalling or trying to do something underhanded. Please help.
Tax Lien has been fully expunged. The credit agencies need to look to the XXXX Clerk 's Office for the information so that it can show up on my credit reports
In XXXX XXXX, XXXX XXXX, took out a mortgage loan in the name of XXXX XXXX and purchased another property which was put into XXXX XXXX 's name and XXXX perpetrated fraud of which she was convicted and sentenced to prison for Identity theft. The lender at the time was XXXX XXXX XXXX XXXX. XXXX XXXX had kept paying her regular mortgage thinking that it would soon be paid off, but then started to receive notices that her home was in foreclosure, but it was not her primary residence. The property was XXXX XXXX, XXXX XXXX, NJ. She found out that this fraud had taken place, when XXXX XXXX started to send notices that that home was in foreclosure and notified the police, who arrested XXXX XXXX and found the documents attached. Many of which where unsigned. XXXX XXXX forged XXXX XXXX signatures. XXXX took out a brand new mortgage and used those funds to purchase XXXX XXXX, XXXX XXXX, NJ property. XXXX used XXXX ' social security number. XXXX stopped paying on this mortgage in XXXX XXXX and feels that she should not be responsible for this fraudulent mortgage. This mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now Bayview. XXXX is an XXXX XXXX XXXX widow and needs assistance with this fraudulent mortgage. Her home should have been paid off free and clear by now, instead she is facing foreclosure due to this fraudulent mortgage taken on XXXX XXXX XXXX, XXXX, NJ.
XXXX XXXX moved out of a warehouse in XXXX in XXXX 2015. A new tenant moved in XXXX 2015 and they did not convert the electric account to their name. The electric company XXXX assigned the matter to IC Systems a collections agency. IC Systems contacted us for payment on XXXX XXXX, and we advised them that we are not responsible for these charges. IC Systems continues to harass us for payment and is threatening to blemish our credit and any accounts we have. Attached is a copy of the threat.
XXXX has been calling me over XXXX times every day, they say they are the Reauthorization Dept, I have paid the value pays but they continue to call me. At XXXX point they had turned my account over to collections at XXXX, so I then called them and made a payment to fix this issue. XXXX continues to call. I make payments to my XXXX credit card/Synchrony Bank and make more than the amount due monthly. My credit card is not behind in payments. I am making payments on this credit card, and payments to XXXX XXXX and to XXXX. I am not behind on my bill! I am really tired of XXXX telling me that I am and I want the phone calls to stop.
My student loan is currently in an education deferment with  Navient,  formerly known as  XXXX   XXXX . I initially took the loan out   XXXX   for an amount of {$22000.00} and there is currently a balance of {$13000.00} on the account. The loan is an education deferment as I have just completed my  XXXX   XXXX   XXXX  in   XXXX   XXXX   at the University   XXXX   XXXX   and am continuing on to complete my   XXXX  . in   XXXX   at the University   XXXX   XXXX  . My issue is with my creeping interest rate. Currently, the interest rate on this loan is at 9 % after Navient, again, has increased the rate. They have increased the rate steadily every few months recently, outpacing the  LIBOR r ate, which they claim to use as their baseline when I called to inquire about this. I called  Navient o n   XXXX   XXXX   XXXX   and was told my interest rate was variable, based off of the  LIBOR rate and my credit score. When I pointed out that my credit score has increased greatly since the loan was taken out, I was informed they only look at my credit score from the day I  took out the loan. Given this, the variable interest rates marginal variation should only be based on th e LIBOR rate, w hich is still positive, but marginally decreasing, meaning it is moving in the opposite direction of my loan interest rate. I have had previous issues with Navient/  XXXX   XXXX   when they advertised special repayment benefits for military members. I served  XXXX  years  XXXX   XXXX  in the  XXXX   XXXX . When I called to inquire about these benefits, I was told that my service did not count as  XXXX   XXXX  and I was not entitled to these benefits and that soldiers are only  XXXX   XXXX  when they are overseas, otherwise, they are part of the reserve. As a  XXXX  veteran, I gave some of the best years of my life to serve in whatever capacity my country needed me to and it is very frustrating that, as I am trying to use my benefits to further my education, I am being told that this company can arbitrarily increase my interest rate with no limits. When asked why I did not receive notification of my interest rate hike, I was told that because I am currently in school, they  may no t let me know when my interest rates are changing. The representative went on to read the interest rate increases that have occurred recently without my knowledge as if it was a justification for the current hike. I understand how the  LIBOR work s, but no other lender is trying to extort me this harshly.
I have paid off my debt in full with XXXX bank you has REMOVED this account # XXXX from my credit report completely. Now Unifund - a VERY AGRESSIVE AND UNETHICAL COLLECTION COMPANY - NOT LICENSED IN CALIFORNIA is attempting to rudely collect on the paid in full debt on behalf of XXXX bank who states NO SUCH account is in their system anymore! 

UNIFUND LLC XXXX XXXX OH XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : Account Owner : Individual Account. High Credit : {$18000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : N/A Terms Duration : Terms Frequency : Date Opened : XXXX/XXXX/XXXX Balance : {$18000.00} Date Reported : XXXX/XXXX/2016 Amount Past Due : {$18000.00}
I have contacted all three credit bureaus and the Social Security Office in regards to an account being report as a collection when in fact its not. I have two letters from the Social Security Office where they state that the account is not in collection and that its up to date. The first letter I got was in XX/XX/2018 and the second letter was in XX/XX/2018. Even after contacting all three credit bureaus and informing them of the error, I still have this negative information on my record. I have a credit sensitive employment and due to this error my employment could be jeopardized.
My property was included in a Chapter XXXX bankruptcy in XXXX XXXX and sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. Shellpoint began 'servicing ' the loan on XXXX XXXX XXXX. They never contacted me to tell me they were now the servicer of the loan nor did they ever send me a bill. They then reported the loan 180 days delinquent to the credit agencies XXXX XXXX. 
After being denied a credit card in XXXX XXXX, I checked my credit report and found 'Shellpoint Mortgage Servicing on it. I contacted them and they said they were not trying to collect on the debt, but that they simply " servicing the loan according to the original agreement '' and were " protecting the creditor 's rights ''. Therefore they would not remove the entry on my credit report. 
My understanding is that a mortgage service company must make a 'good faith effort ' to contact the consume to avoid this type of situation. 
I think the laws regarding companies buying bad debt years after its discharged in a bankruptcy need to be addressed. If it was n't allowed these things would probably not happen in the first place.
Naviet has on multiple occasions put checks and charges through my debit cards even when I have called to inform them that the funds were not there or need to postpone a payment. Even when I paid it they did not cancelled the payment and sent payment through anyway even after saying that they would. I am being harressed and my co borrow also they call 10 times a day each and everyday. This company XXXX XXXX aka Naviet are loan sharks and a predator lender.
They fail to send proper notification of how they are able to verify info on my report as accurate. I contacted these companies listed on my report as fraudulent and they still fail to remove them or even furnish paperwork stating that these are valid inquiries. There are multiple inquiries on my account for things I never applied for and they failed to investigate and furnish any proof that it 's valid. I 've called and asked multiple times to either delete the inquiry or furnish proof of valid cause they fail to do both this is a violation of my rights.
In the middle of applying for a loan during the underwriting stage, the Loan Officer XXXX XXXX  NMLSXXXX emailed me saying that he nor anyone in the office had time to work on my loan and good luck finding another financial institution. I have also asked for a copy of my credit report. At this time I have neither received my report nor has my request been acknowledged XXXX is employed as a loan officer with : 1st Financial XXXX XXXX XXXX NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Branch Manager :  XXXX XXXX I have also tried to contact the corporate headquarters and speak with the Director of Operations XXXX XXXX and left a message in the general VM box as there was never an opportunity to actually speak with someone each time I called. 
XXXX XXXX NMLS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Director of Operations : XXXX XXXX