WillisBack/dataset-financial-user-claim huggingface dataset:
The XXXX medical bills that are open collection on my credit report are false. I included ALL my medical bills into my bankruptcy. The dates that they are giving are false. These XXXX account were open way before my bankruptcy. Which is like a year or two before my bankruptcy. If I am force to get documents then I will begin getting the paper from the doctors office showing when the account were originally opened. These company 's should not be able to just keep renewing the old accounts so that they continue to stay on someone credit file and be eligible to keep harassing people after a bankruptcy.
XXXX XXXX changed over their billing system in XXXX, 2016. Because of that change, they were late in mailing their bills. Once I received mine and verified the balance, I paid it. Due to the ineptitude of XXXX XXXX 's financial people, many people, such as myself, were sent to Convergent Outsourcing for collections actions. On the date of the letter from Convergent, my balance with XXXX XXXX was {$38.00}, not the amount stated in Convergent 's letter of {$860.00}. XXXX XXXX, due to their error, should not have sent me to collections, but due to lack of competent oversight, my account was sent out. Convergent Outsourcing did not do their due diligence in accepting my account from XXXX XXXX, as my account with XXXX was current and they had an incorrect balance in the letter. Another red flag that Convergent missed was a sharp increase in accounts referred from XXXX, which should have alerted them to the fact that something was wrong at XXXX XXXX. Since my account with XXXX was current at the time of the calls and letter, I consider the calls & letter to be harassment.
I got a loan from a Payday/Installment Business Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an Personal installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my 1 st payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my 1st payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a XXXX payday loan how could they do that without telling me until the last minute this is very wrong I could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} I told them I was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since I was paying early that I had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} she was so rude to My nervers are falling apart what can I do I am being charged double then I borrowed this is so wrong they are treating me like I am dirt. Today is XXXX XXXX XXXX I owe a payment of {$250.00} I could only pay {$100.00} dollars and I am afraid to go to the Insta Loan knowing that they will treat me very ugly. Thank You.
inaccurate date opened. my son was born on XX/XX/XXXX and it went delinquent before he was born. They lender must wait 6 month before the sell to a collection agency and the time is off by more then 6 months which reflects in a date open gap of 6-10 extra months ontop of the 6 month waiting period Opened XX/XX/XXXX ( 3 yrs, 11 mos ) Account status Open Type Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Wells Fargo employees opened unauthorized accounts, transferred funds funds to and from accounts resulting in a catastrophic loss for the victim.
XXXX reported me paying a loan late 90 to 120 day. The loan was taken out with them and my truck was used as collateral. The truck was vandalized and salvaged by my insurance company and they were sent a check to pay off the amount. The check was XXXX short and the loan had gap insurance on it so the XXXX filed a claim and advised me they would notify me with anything further and they never did until they sent me to collection were I paid them because they never sent me or called me to notify me that the gap claim was denied.
In XXXX I became a Co-signer for my daughter on a XXXX XXXX Student Loan. At that time I believed this Loan was a Federal Loan and that XXXX XXXX was the supervising agent for the government. In XXXX my daughter obtained a second XXXX XXXX Loan using my brother as a cosigner. These XXXX loans totaled {$38000.00} at 10.553 APR. Currently the unpaid balances on these loans total XXXX my daughter was in school I was able to stay current with loan payments but in XXXX my daughter graduated and the total payments per month on the XXXX loan payments escalated astronomically from {$75.00} per month to over {$500.00} per month.Over the past two years, Navient has taken over supervision of these loans. In spite my best efforts to stay current on payments, the loans have gone into arrears. I have tried to stay current on these loans but the increase in loan payments have been too much for me to handle. I am a retired teacher with limited financial resources. I have tried to work out some reasonable terms for repayment of these loans but Navient has only offered limited reduction in the repayment rates. Meanwhile they continue to assess penalties for non payment that are driving the cost of repayment beyond realistic possibilities of my repaying the loans in my lifetime.Now we are being harassed by Navient, bombarded with multiple automated calls, often from what appear to be from outsourced agents in foreign countries who speak little or no XXXX. At this time I feel that my rights as a consumer are being violated and want your agency to investigate the collection practices employed by Navient especially as to the rates charged by them and the harassing tactics they employ. My daughter works XXXX jobs or less than XXXX dollars per hour and is unable to pay off these loans without my help.My wife has suffered with XXXX XXXX or over 12 years and is limited in her ability to work. We are not looking or a hand out. We just want to be treated airly with consideration for our rights as consumers.
Experian reporting account that were not mine. Under FCRA, I have sent several letters to request proof of that these accounts are mine, and all they send me is a reply that they are verified. I have sent several letters via certified mail The accounts listed as negative XXXX XXXX XXXX XXXX XXXX XXXX ... 

collections accounts XXXX XXXX They are required under FCRA to provide original documentation and have not provided me with any proof they are my accounts as required under FCRA section 609.
I recently payed off XXXX my loans with Sallie Mae. I went online to access my account. I selected the loan I wanted to pay off and payed the loan off completely. I received a receipt as well as information showing my account was at a XXXX balance. A few days later my account shows that I have an outstanding balance. Upon calling in I was asked whether or not I payed off my account online or over the phone. The agent informed me that Sallie Mae has no way of displaying the full payoff amount for my loan unless I call in. When I asked her why online would display something different than the actual payoff amount she stated that the system does not allow them to show the payoff amount because that I accrue interest daily for my loans. It does n't make sense for me to pay daily for interest when I have a set interest rate that I am suppose to be paying monthly for interest. This was something I was not aware of. When I asked her how much interest daily am I being charged on my loans her answer was anywhere from {$1.00} to {$2.00} a day on top of the amount owed. How is anyone ever suppose to pay off their loans accruing interest to that magnitude. Whenever I have payed a balance off with any financial institution the amount on the statement was the payoff amount. As long as this amount was paid by the due date no other money was owed. This is not fair and is ripping individuals like myself off. That means even when I pay the statement off I will always be charged for interest for however many days has passed. There is not a day where I am not accruing interest.
Navy Federal Credit Union has taken money from my savings account to apply to other credit accounts I have with them. They are refusing to return the money to my account. Per the law 12 CFR 1026.12 ( D ) relating to Offsets. Credit grantors are not allowed to perform such actions. Regardless of what is written in their disclosures. They can only hold if it is written in a security agreement. Not take and apply to the delinquent account. The dates are XX/XX/XXXX for {$61.00} and XX/XX/XXXX for {$12.00}. After informing them in a phone call with representatives and a supervisor in collections. No resolution could be reached after I told them that this practice is illegal.
I sent a dispute letter to Transunion in XX/XX/XXXX regarding incorrect accounts. I received a report back XX/XX/XXXX all verified through automated code. I sent 2 more requests for reinvestigation and method of verification. I sent them both through certified mail and they were received XX/XX/2016 and again XX/XX/2016 and I have not received any additional information. There has not been any verification. These accounts need to be deleted XXXX
This is a general complaint about the mortgage industry. As a XXXX I understand the workings but as a homeowner I am XXXX off about it also. I go to a lender to get a loan for a house, I choose a reputable company to do business with and do my due diligence in selecting a company with a good track record and customer service. Just about every company will then sell my loan to someone else to service for the life of the loan or until it is sold again. This is my problem, I have no say in who is able buy and service my loan, I get nothing but a headache when dealing with them. They do not estimate my escrow correctly and now I am hit with an additional $ XXXX/month. When they took over my loan the monthly payment dropped over a hundred dollars, so I knew this was coming at some point. It does not take a rocket scientist to look at taxes and insurance and come up with an escrow plan. But for someone on a fixed income or tighter budged could be XXXX. I cant even refinance with a good company because there is a good chance that it would then get sold and who knows I might end up with the same horrible service company I am with now. 

I think consumers should have the RIGHT to say yes or no to who services their loan. I would never choose a company with horrible service or a bad track record when it comes to escrow management. I know this will never see the light of day but as a XXXX this is a problem that needs to be addressed as the consumer has no choice in the matter and it is WRONG! 

XXXX XXXX
This is the third time we have had to report a problem with Synchrony Bank, regarding the XXXX XXXX credit card. The previous two complaints were originally submitted through the Wisconsin Department of Consumer Protection, and then forwarded here. Now that we have an established account here, I am submitting this complaint directly. 

The problem, in each case, is the same. We are being charged late fees AFTER we post on time payments. We have screen shots to prove this. In the first complaint, submitted here on XX/XX/2018, Synchrony accepted responsibility and refunded the late fees and restored the account to good standing. We made all subsequent payments, but were nevertheless assessed late fees, again after paying on time. ( Again, we have screen shots of the account which confirm this ). As the letter submitted by Synchrony Bank in response to the initial complaint confirms the account was restored to good standing, and as we made each of the next two payments on time ( easily confirmed through the due dates and the dates the checks were cashed by Synchrony ), there was no justifiable reason to assess late fees. Yet in XX/XX/XXXX, a {$35.00} late fee was again assessed, after a full payment of {$84.00} was processed before the due date. 

At this point, we resubmitted our complaint, because Synchrony Bank was simply non -responsive. ( It is a policy, apparently, of Synchrony Bank to conduct all conversations with customers over the phone, which does not allow for written records to be maintained by the customer. We insist on all correspondence with this company, given their track record of questionable practices, to be in writing. Because the company makes this almost impossible, we are struggling to communicate with them. ) The second complaint was met with less consideration, which may be seen via the written response posted here to that complaint, which we filed in XX/XX/XXXX. Since then, we have been unwilling to send additional payments, as they are NOT honored or processed fairly. This has led, inevitably, to additional late fees and threats from the company - in addition, because they will NOT communicate with us in writing ( email or regular mail ), we have reached an impasse. 

Our credit has been adversely affected by this situation, and we are now beyond frustrated. We will make the necessary payments to bring this account to good standing, but we expect a full refund of ALL late fees, as well as repair to our credit. 
We also demand that this account be closed. We will certainly NOT do business with Synchrony Bank, under any circumstances, again. 

We would also ask that a more comprehensive investigation into the late fee/payment policies of Synchrony Bank. It seems very apparent that we are not the only ones being victimized in this manner.
Communications through the mail and phone calls from XXXX XXXX XXXX for Paypal Credit of  {$730.00} not owed by me. Contacted paypal who confirm no such debt. 

Latest letter datedXX/XX/2017
I was dealing with my lender XXXX for a loan modification, I submitted my documentation only to find out they denied me. Instead of offering me the option to appeal they informed me my loan was being transferred to Nationstar. When my loan was transferred to Nationstar on XX/XX/XXXX it took them almost 2 weeks to get all the information imaged into their system, therefore leaving me no time to explore any options to foreclosure nor did they reach out to me for assistance. Now when speaking with Nationstar I am being informed that they are proceeding forward with the foreclosure sale on XX/XX/XXXX leaving me with 3 days to find a solution. They are refusing to review the documents because they state is is not 37 days before the sale, how am I supposed to get the documents and information when the loan was transferred after the time frame? Realistically, I would have not been able to get them the documents 37 days before because of when the loan was transferred anyways. They are just looking for an easy excuse to foreclosure but I will fight as I feel this is wrong and all my homeowner rights are being violated.
I just re-applied for the REPAYE program. The year prior, my student loan payments were manageable. But I recently discovered that my loan servicer, Nelnet, that my new loan payment had nearly quadrupled. I was in shock. They stated that based on " their '' calculations, that they used my Adjusted Gross Income to come up with this number. By my estimation, this number is completely inflated due to the fact that Adjusted Gross Income does not account for all of the taxes that are taken out of your check. Mind you, this is even with having two children. Not only that but I was told that my only alternative was to apply for a Deferment, which would add even more interest on to my loans. Otherwise, I would have to default, where the corrupt US Department of Education can demand full payment and or garnish my wages. This system is rigged against people like myself, who are diligently making student loan payments on time, every month! I ca n't even refinance. I may have foolishly went to a for profit school, but unlike corporations, big banks and our current President, I can neither file for bankruptcy, discharge, refinance or default on my loans without being severely punished.
I had worked for CFS for the past 3 years. Till my manager decided to quit in XXXX XXXX. That is when the new manager took over the office on XXXX right by XXXX XXXX. Not only was she extremely rude to her customers but to her employees as well including myself. She will pick on numerous employees on a daily basis no reason. Many employees brought it up to the attention of the CEO and the CEO failed to do anything to help us. Majority if the staff ended up quitting due to how unprofessional the new manager was. Once I quit I thought the harassment would stop and it did till XXXX XXXX I received an alert that CFS had ran my credit without authorization. I contacted my account holder and let her know I was going to email the CEO. I  then called back to set up a payment arrangement plan and was transferred to the manager and was told quote " Im sorry your  XXXX can NOT pay for your bills but I will get my money back '' and then contacted the CEO he apologized for the managers language and stated he was going to look into my account and set up a payment arrangement plan. I was later on that week informed by my account holder that the CEO did not want to work anything with me. I informed my account holder my situation and let her know I could pay XXXX by XXXX/XXXX/XXXX I never received a reply back so I assumed we had made an arrangement. I then on XXXX XXXX found a letter on my car from CFS in writing stating " WE KNOW WHERE YOUR CAR IS AT. WE ARE GLAD TO MAKE ARRAGMENTS WITH YOU PLEASE CONTACT CFS AT ( XXXX ) XXXX XXXX '' There was no letter head from the company just a ripped of sheet of paper. This company has been harassing me all month even after trying to set up a payment arrangement plan with them or return my car voluntary.
I have had a car loan with GM financial for approx. 4 years, but on my credit report they have large gaps showing no payments have been made. i have made late payments and have had agreements-signed in which payments where moved to the end of my lease in order to no report late payments. i have disputed this with the 3 credit reporting agencies but it has not changed. i understand GM financial has had issues with this and is even facing possible class action. i am demanding they correctly report all of my payments since XX/XX/XXXX and remove the negative entries of XX/XX/XXXX-XX/XX/XXXX-as i have been making my payments. they also need to report the correct balance.
I make my credit card payment on the due date every month, which I always take a screenshot of, and I still am charged a late fee that has gone up several dollars over the last few months. When I called to find out why this was happening, I was told that the payment had to be made by XXXX Central time ... ... WHAT?!?!? Oh but, if I payed by phone it was a different time, and if I went directly to the store, it was a different time as well. What the heck?!?! Really???? Ive NEVER had this issue paying my bills on the due date! And then their customer service agent told me I was redicilous for making a payment without actually looking at my statement ... ... .... since when does a due date actually have a time limit??
I leased a XXXX Mazda XXXX on XXXX XXXX, XXXX from XXXX XXXX XXXX in XXXX CA. I traded my previous car a XXXX Mazda CX-7 in place of the new vehicle. On XXXX XXXX, I sent XXXX XXXX, Finance Manager at XXXX XXXX XXXX, signed authorization to pay off my previous car loan. On XXXX XXXX XXXX XXXX called to ask me to come in to the dealership and sign a new lease contract, no reason was given why, I assumed there had to have been an error on the previous contract. XXXX XXXX stated over the phone that " the good news about a new contract was that my first payment on the lease was going to be due on XXXX instead of XXXX '' ; I went in to XXXX XXXX XXXX on XXXX XXXX, XXXX to sign this new lease contract at which point XXXX XXXX reiterated that my first lease payment was going to be due on XXXX as opposed to XXXX. On XXXX XXXX, the lender for my previous car, XXXX XXXX XXXX XXXX debited my car payment for XXXX ( for a vehicle I no longer had in my possession since I had transferred ownership to XXXX XXXX XXXX on XXXX/XXXX/XXXX ) ; this car loan was paid off on XXXX/XXXX/XXXX at which point I was able to get my payment back. 
On XXXX XXXX, I found out through my online banking with Chase Bank that my car lease was financed through them as opposed to XXXX XXXX and that my first lease payment due date was XXXX/XXXX/XXXX which was completely contrary to what XXXX XXXX had previously told me on XXXX/XXXX/XXXX. I called Chase Auto Finance and spoke XXXX XXXX, I explained the situation and she acknowledge that they did have XXXX lease contracts, XXXX dated XXXX/XXXX/XXXX ( which was supposed to be nullified ) and XXXX dated XXXX/XXXX/XXXX. I told her XXXX XXXX had stated my first payment was not going to be due until XXXX/XXXX/XXXX. She stated they would review my request and that I would be receiving a letter in a few days ; nothing took place. I never received any letter from them regarding my call. I contacted XXXX XXXX and asked why my first payment was due in XXXX instead of XXXX like he had stated. He told me he would " fix it '' for me. He then replied to me via email that XXXX had revised my first due date to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called XXXX again since the payment due date had n't been changed, I spoke to XXXX XXXX who told me she had sent my lease account to the department that would revise my due date and that she had notated my account so that no collection calls would be placed in the interim time while this was corrected. XXXX placed a credit inquiry on my credit reports without my authorization since my credit worthiness did not need to be established again. On XXXX/XXXX/XXXX I was assessed a late fee of {$25.00} ; today XXXX XXXX, XXXX I received a call from their collections department ; I was forced to pay a late fee and the due date on my lease contract WAS NEVER changed, XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX from Chase Auto Finance all of them lied and misled me, they put my credit reputation at risk with their lies. I want the late fee to be reversed and credited back to me, the credit inquiry from XXXX/XXXX/XXXX removed from my credit report.
Dispute was sent to Portfolio and a request for proof of debt. Portfolio sent a statements from XX/XX/XXXX to XX/XX/XXXX showing a balance of {$2400.00}. 

These bills are not valid because they don't have the correct address and there were no charges showing on the bills to show how the account came to a total of {$2400.00}. 

The name was changed within that time due to identity theft and address was not address at the time of total balance. 

Account balance had been disputed with creditor several times due to bankruptcy and about owed at bankruptcy. 

Identity theft and FTC reports were submitted to all creditor. 

I'm requesting proof of charges from the account number in question ( XXXX ) showing charges to total {$2400.00}
in my XXXX payment I included an extra XXXX to go to principal but the mortage company did not credit me with payment. they used the payment for escrow account. I had written instructions the amount to go to principal but they did not credit me with the amount to go to principal