WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX I entered into the following agreement with XXXX, a representative from XXXX XXXX : 5 installment payment plan that would reconcile my past due balance and keep my payments current. The agreement was to deduct {$130.00} on XXXX XXXX, XXXX and then {$110.00} every two weeks beginning XXXX XXXX, XXXX. After the completion of the payment plan, my account was suppose to be current and I would go back to making my regular monthly payments. Unfortunately, after the installment was complete, I received several calls from XXXX XXXX stating that I had a past due balance of over {$400.00} and that I had to pay it immediately or further action would be taken. I explained to the representative that I believe their information was incorrect and talked to her about the payment agreement I had just finished. She informed me that my agreement was only to take care of the past due balance and that I am still responsible for making my regular monthly payments. I explained to the rep that was not the agreement I entered into, and had I been able to make the regular monthly payments in addition to the installment agreement, there would be no need for the agreement. I would not enter into an agreement that I knew I could not afford. Since that conversation back in XX/XX/XXXX possibly XX/XX/XXXX, I have three particular incidents in which I had to escalate to a manager because the Representatives who continue to call me have been rude, unprofessional and threatened to take " other action '' which could result in damaging my credit and assets. In particular, i recall two phone calls one in XX/XX/XXXX and the other on XX/XX/XXXX in which the representatives were rude and unprofessional. Since I am a victim of identity theft, I explained to the Rep on XX/XX/XXXX at XXXX XXXX that I did not feel comfortable supplying/confirming my personal information to him since I could not verify his identity and his responses were " you did n't have a problem giving your personal information when you wanted this credit line '', " either make the payment now or else we will take further action that will hinder you in the long run '', " if you dont make this payment we will look into your assets and financials, you can avoid all this ''. Approximately 5-10 minutes after that phone call, around XXXX XXXX I received another call from a different Rep at XXXX XXXX asking the same questions. Back in XX/XX/XXXX, I had an issue with a XXXX XXXX Rep who repeatedly yield at me, threatened to take further action and actually hung up the phone on me and then called back and left me a voicemail which was unprofessional and very loud. I have asked XXXX XXXX to provide me with documentation regarding my installment agreement, I have yet to receive this. I 've made several complaints to escalate this issue to a manager, no one has contacted me and I continue to be in contact with rude, unprofessional representatives.
I contacted XXXX to have them fix balance transfer fee of 4 % to 3 % as advertised on their offer and the zero percent interest charge that they also claim was an error in their system and where charging me. I wonder how many others they have done this too and gotten away with it. I paid the full balance off and asked them to credit the full amounts and that I no longer trusted this company. They refused to credit me!
After reviewing my credit file I have come across information reported from Department of Education/XXXX that is incorrect. On XX/XX/XXXX I spoke with XXXX at XXXX Department of Education and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.
This is a claim from an unknown source for services performed in  XXXX ,  2015  at  XXXX   XXXX   XXXX   XXXX .   Account :  XXXX  Amount for services {$2800.00}
My credit card was transferred to a collection agency a month after I filed bankruptcy. The payment was n't even 30 days late yet. 
And is now reflecting as a collection account on my credit report.
collection on my credit report since 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX going around circles with them on a bill I paid to XXXX XXXX XXXX XX/XX/2017 that I already have paid them. They are rude and keep talking around circles for a payment of XXXX. I can't believe how many times I have called them and no help. faxed them a copy of the check that this has been paid. Tell me to call back another time.
There is 2 Hard inquiries on my credit report that is not mine they are United One R XXXX, PA XXXX ( XXXX ) XXXX which is hurting my score I want them removed
I wanted to file a complaint about my background check saying that it isnt fair that I cant not work just for something that happened in the Past I am trying to change my life and whatever happened in 2016 with my charges I was just w the wrong people that i got blamed for so its not fair that Im trying to better my life and work so please just give me a chance i want to provide For my family I want to work so I can better myself and show others that it is possible
AFNI informed me that if I paid the debt they would delete off of my credit reports. AFNI is still reporting as a collection on my XXXX and XXXX credit report.
I refinanced my loan about a year ago. I made some extra payments in the first month which the company did not apply to principle and I had to call them to fix that.     Somehow this has irravociblely screwed up their computer systems. Every month, I pay my {$5000.00} on the  XXXX  of the month. {$4200.00} is due on the  XXXX . Every month, they charge me a late fee because they think I am paying on the  XXXX  for the previous month. Yet, I have never missed a month since the beginning. I have called 3 times about this and each time they fix it, but the problem restarts the next month.     I am wondering if this is some sort of game they are playing with lots of people 's mortgages. It is very easy for someone to not spot the {$150.00} late fee with big payments like this.
My mother has a credit card with XXXX  XXXX and I have been an authorized user for years. When I go to view my credit report XXXX has my XXXX  XXXX card information as well as the card I'm an authorized user on however Transunion does not. I contacted transunion and was told to call XXXX XXXX. My mom called XXXX  XXXX and was told that nothing has changed on their end. I'm still in the system as an authorized user and I needed to contact transunion. 

My mothers name is XXXX XXXX XXXX .The account was opened XX/XX/2010 and has a balance of {$2100.00}.
As my husband and I near the discharge of our debts after four long years paying a chapter XXXX, our indebtedness will be over XX/XX/2016, and we are making a diligent effort to repair and restore our credit as much as possible. Both on line and over the phone, the program times out before I can complete the application, or just when I am ready to hit the submit button. Via phone, the system is automated and I can not reach anyone over the phone. It is frustrating to keep entering the info on line, only for a system error to pop up then I have to repeat it over and again. I have told both Equifax and XXXX over and over that they are reporting incorrect information regarding our mortgage and that we have been late just once, and on the smaller mortgage, we were stripped of it via bankruptcy. They wo n't listen, and keep reporting inadequate information. We ca n't get in touch with them.
After filing for modification review and waiting for more than a year for a resolution, Bank of America finally sent me a modification under the XXXX program and they miscalculated the income. For this modification, Bank of America calculated the household income to be {$6900.00}. Based on that income, they came up with monthly mortgage payment under the XXXX program to be {$2100.00}. {$2100.00} was the payment that we could not afford and fell behind on. As you can see, did used the payment by {$12.00} and considered it affordable. That is insensitive and cruel and a joke especially after waiting for more than a year and going back and forth with them. If the household income was what they say was, there was no reason for us to fall behind on the mortgage.. We fell behind because he was unaffordable. 

Our household income consist of {$400.00} of my payroll income and for the {$4500.00} contribution from my son. Based on that, the household income is {$4900.00}. Please help me correct this error and help me get Bank of America to rearview us for the modification. 
I am also very concerned that Bank of America has been playing a lot of games and not doing things as they are supposed to according to the treasury guidelines in meeting timelines. All the programs are expiring at the and of XXXX and I am very concerned about them not doing this modification and forcing me into a foreclosure. Please help me get this done right.
I contacted Ditech Mortgage on XX/XX/XXXX regarding a CEMA from a refinance not recorded from XXXX. I have followed up numerous times by phone and faxed all the information to Ditech on XX/XX/XXXX, a call on XX/XX/XXXX verified the fax was received. We received a letter dated XX/XX/XXXX advising 30 days was needed to complete the request. After no information being received after that date regarding the recording of the CEMA - I contacted Ditech on XXXX/XXXX/XXXX, with my wife on the phone. We were guaranteed a phone call back, to date it has not been received, regarding the recording of the CEMA. My wife contacted Ditech for a status on XX/XX/XXXX, she was advised there were no additional notes regarding our issue since XX/XX/XXXX.
I submitted a dispute via XXXX to TransUnion. XXXX website stated it was received on XX/XX/2018 and that the investigation should be completed by XX/XX/2018. It is a month after the investigation due date and the website still shows my dispute is under investigation. Id like to have those items removed since TansUnion hasnt completed their investigation.
This is my Son old address ( XXXX ) XXXX, HI XXXX I have never lived at this address, ever. 
Please Remove from my Trans Union Information
The debt collector contacted me. When I asked the name of the company and of the person contacting me and what is the name of the company I owe money to they did not provide any of these informations. 
They simply asked for my date of birth and address without allowing me to verify that this was not a scam pishing call. 
To the best of my knowledge I do not have any debt and this call is most likely a case of scam. 
I feel harassed, worried and anxious as a consequence of this treatment.
The problem is with the Santander Bank acct # XXXX. this is a joint checking account with my XXXX XXXX XXXX XXXX whom XXXX on XX/XX/XXXX. I tried to close the account and was told it could n't until the estate had been settled, fine, the problem is that they deducted since XX/XX/XXXX a {$16.00} a month for '' inactivity fee '' I want that money to be reimbursed into the account until the estate is settled and I can withdraw the full amount.
Had several cards for years through GE Capital. Cards were moved over to Synchrony without my knowledge. Have always been a good customer. Paid bills on time and never late on my payments. Soon as Synchrony took over they dropped my credit line down to the balance on each card, along with increasing my payments. This has dramatically affected my credit score from XXXX to XXXX. Basically I am financially ruined. I put this complaint in to your org last year. I see that there was legal action taken. I have not recieved any compensation for there illegal activities. Last year you informed me that nothing illegal was being done to me!!!! I want this issue resolved. Today you even refuse to give me my complaint #. You sent me to calling XXXX etc ; I have spent XXXX hours today triying to get some help. It seems like nobody wants to take the heat for the action they took on my complaint. I wish for someone to review my last complaint.
1- SPS has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State XXXX Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX XXXX   estate, I am requiring the claimant to present proof by affidavit. 2- In CFPB response XXXX, XXXX states , " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. XXXX held a security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX ( copies enclosed ). XXXX sold the loan at issue to XXXX XXXX XXXX effective XX/XX/XXXX. '' XXXX has thus confirmed they have never held a security interest in XXXX XXXX XXXX XXXX, as this property does not lie in the meets and bounds of the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770, and is absolutely not the property contained as a security interest in said loans. However, SPS continues to force place insurance and threaten legal action with regards to XXXX XXXX XXXX XXXX ; a property in which they have no security interest in. It has been well documented SPS 's actions are both fraudulent and deceptive.
These people have repeatedly called and left me messages. They are calling family members and non family members leaving messages about me on a daily basis. I called them back and they give me a different company name each time. They lied and said they are calling from the NYS clerks office, which they are not. I repeatedly ask them not to call me and they continue to harass me, make legal threats and will not respond to any questions. I am being harassed by these people. The unknown calls from them have come on multiple occasions in XX/XX/XXXX. They told me it 's a Best Buy debt, I initially informed them I have never had a Best Buy card. I asked them to email me my signature from the original credit card application and they said they do not have that and I can take up the matter with a judge. I 've never had a Best Buy card. These people do not take no for an answer. The message they leave says they are calling about an address I dont even live at. If they have spoken to me directly why are they still calling other people looking for me?
I HAVE DISPUTE THIS ON XXXX XXXX. XXXX AND I WAS INFORM BY A LETTER FROM GRANITE STATE MANAGEMENT THAT THE ERROR ON THERE PART HAS BEEN FIXED AND THE ITEM IS NOW SHOWING BACK UP ON MY XXXX AND XXXX CREDIT REPORT. IT NOW 11 MONTH LATER AND THE ITEM THAT I HAVE DISPUTE WHICH SHOULD OF NEVER BEEN TAKEN OFF OF MY CREDIT REPORT IS NOT SHOWING UP AT ALL. A LITTLE BACKGROUND ON THE DISPUTE I HAD BACK IN XXXX OF XXXX. ON MY XXXX CREDIT REPORT IT WAS SHOWING A WRONG DATE OF LAST DATE OF ACTIVITY ON THE ACCOUNT. I WENT AHEAD AND DISPUTE THIS WRONG DATE WITH XXXX AND IN THE PROCESS OF DISPUTING THIS THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND A COUPLE OF DAYS LATER IT WAS DELETE OFF OF MY OTHER CREDIT REPORTS. I CALLED GRANITE STATE MANAGEMENT ABOUT THIS ERROR AND THEY SENT ME MY PAYMENT HISTORY ON THIS ACCOUNT WHICH SHOWED THE DATE OF LAST ACTIVITY WAS XXXX OF XXXX BUT ON MY XXXX  CREDIT REPORT IT SHOWED A DATE OF XXXX OF XXXX. I SPOKE WITH SEVERAL REPRESENTIVE ON THE PHONE FROM GRANITE STATE MANAGEMENT REGARDING THIS ISSUE. THIS ACCOUNT WAS A CLOSED ACCOUNT AND IT WAS TRANSFER TO XXXX XXXX XXXX AT THE TIME IT WAS TRANSFER THE ACCOUNT WAS CURRENT AND IT HAD NO LATE PAYMENTS AT THE TIME IT WAS TRANSFER. SECOND LIKE I SAID EARLIER IT WAS A CLOSED ACCOUNT IN GOOD STANDING AND ACCORDING TO THE CREDIT BUREAU IT STATES ANY ACCOUNT CLOSED AS PAY AS AGREE REMAIN ON ONE CREDIT REPORT FOR 10 YEARS. THIS ACCOUNT WAS CLOSED IN XXXX OF XXXX AND THIS ACCOUNT IS NOT DUE TO COME OFF UNTIL XXXX. WHEN THIS ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT IT LOWER MY CREDIT SCORE AND JUST I SAID EARLIER THE ACCOUNT WAS IN GOOD STANDING. ANY LATE PAAYMENTS ON THE ACCOUNT GET REMOVED AFTER 7 YEARS OF THE DATE IT BECOMES LATE IF THE ACCOUNT IS CURRENT. IF THE ACCOUNT WAS NEVER CURRENT AT THE TIME IT WAS CLOSED OR TRANSFER THEN IT WOULD FIT THE 7 YEARS DEQUENCY BUT IN THIS CASES IT DOESNT FIT THAT. ACCORDING TO GRANITE STATE MANAGEMENT IN THERE ANSWER THAT THEY GAVE ON XXXX XXXX XXXX THEY STATE AS FOLLOW AS A RESULT OF THIS DISPUTE THE PROCESSOR INCORRECTLY INDENTIFIED THIS ACCOUNT AS HAVING AGED BEYOND THE REQUIRED REPORTING PARAMETERS AND SUBSEQUENTLY DELETED THE TRADELINE. THE ERROR WAS DISCOVERED AND A MANUEL UPDATE WAS PROCESSED FOR HIS TRADELINE TO REAPPEAR ON HIS CREDIT REPORT, AS TO THIS DATE AND TO THE CURRENT DATE AND YEAR NOTHING HAS REAPPEAR ON MY EQUIFAX OR MY EXPERIAN CREDIT REPORT. THE TRADELINE OF MY XXXX XXXX CREDIT REPORT WAS UPDATE CORRECTLY BUT I AM STILL WAITING FOR THE ITEM TO REAPPEAR ON MY XXXX AND MY XXXX CREDIT REPORT. I ALSO RECEIVED A LETTER FROM THEM THAT STAE THE ITEM HAS BEEN REINSERTED BACK ON MY CREDIT REPORT BUT SADLY IT HAS NOT
Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for XXXX of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. 
From XX/XX/XXXX to XX/XX/XXXX, CFPB estimates that Navient 's practices cost borrowers up to XXXX in extra interest by repeatedly enrolling borrowers in forbearance. CFPB also found that many federal student loan borrowers were unaware that the government could pay part of the interest charges on their loans when personal circumstances prevent borrowers from keeping up. 

The lawsuit names Navient and two of its subsidiaries : Navient Solutions, the corporate division responsible for loan servicing operations, and another subsidiary, Pioneer Credit Recovery that collects on defaulted student loans with the parent corporation. All three entities are charged with systematically making it harder for borrowers by incorrectly processing payments or failing to effectively act when borrowers complained. Instead of assisting borrowers with available options for repayment, CFPB charges that borrowers were steered into forbearance, a temporary and high cost solution that suspends payments but allows interest rates to continue accruing.
This company tried to charge me a usury interest rate of over 800 % which is illegal in the USA ... I have received a demand letter from a attorney located at XXXX saying that I owe them {$1500.00} I know nothing about this activity and this unlicensed company is trying to get them to collect an illegal usury interest rate account. 
This company does not have a license to conduct this type of activity in the state of California per the Ca. Department of business oversight ... I am also filing a complaint with the California bar association against XXXX XXXX XXXX for violating the Canons of ethics. because this claim that he is trying to collect is unauthorized and illegal.
XXXX XXXX XXXX XXXX had originally provided us with XXXX ( XXXX ) beginning in XXXX 2013 and was covered under our health insurance at the time. The new insurance card was sent in ( under the same job/insurance provider ) around XXXX 2013 and a couple of months later when we called XXXX to refill the prescription they notified us that the insurance was now out of network and they would no longer be able to fill our prescription. This not only severely jeopardized my wife 's health but left us scrambling to find a new provider and going weeks without her weekly therapy. They notified us at this time that they would " take care '' of the insurance problem and we would not be responsible for any added costs due to what they described as " their XXXX ''. It was at least 6 months later that we received the first bill which included the charges incurred during this period of time. We have tried multiple times to contact XXXX and every time we have been told by them they would contact their supervisor and discuss our case and call us back. They have never called back to discuss these issues. The account has now been sent to a collection service who is attempting to collect on the debt which is XXXX % more than the out of pocket maximum under the insurance plan. XXXX has never been able to give us a straight answer regarding this problem.
CREDIT SUPPRESSION REQUESTED BY ALL CREDIT BUREAUS.   XXXX   XXXX   EXPERIAN AND  XXXX .     PER THE  F.C.R.A  LAWS.
There is a class action lawsuit involving 5th/3rd Bank. It was found that 5th/3rd bank was charging certain customers higher interest rates on auto loans. I qualify to be a part of the class and I am eligible to benefit from the settlement. As advised by a CFPB representative I contacted 5th/3rd bank to get more information however after several calls and tremendous hold time each representative I spoke with did not have and/or refused to give me any information on how to participate in the class.
ON   XXXX     I MOVED OUT OF THE APARTMENTS.   XXXX   XXXX   A COLLECTION COMPANY NAMED  IQ DATA INC/RENT  COLLECT GLOBAL, REPORTED A DEBT IN THE AMOUNT OF  XXXX  ON MY CREDIT REPORT. I NEVER RECEIVED A DEBT VALIDATION NOTICE. I KNOW I HAVE 30 DAYS TO DISPUTE A DEBT BEFORE IT IS REPORTED ON MY CREDIT REPORT. BEING THAT I DID NOT MOVE OUT UNTIL THE   XXXX   XXXX   XXXX   THERE IS NO WAY THAT  IQ DATA  COULD HAVE SERVED ME WITH THE DEBT VALIDATION NOTICE BEFORE   XXXX   XXXX   AND THEN LEGALLY REPORTED IT ON MY CREDIT FILE, BECAUSE THAT IS LESS THAN 30 DAYS.     I SPOKE WITH THE ORIGINAL CREDITOR,   XXXX   XXXX   AT  XXXX , AND THEY ALSO STATED THAT THEY DID NOT EVEN COMPLETE THE INVOICE UNTIL  XX/XX/XXXX   . THEY ALSO STATED THAT ONCE THE INVOICE IS FINALIZED THEY ALLOW THE CONSUMER 14 DAYS TO PAY THE ACCOUNT BEFORE SENDING THE ACCOUNT OFF TO COLLECTIONS.     I WOULD LIKE THIS DEBT TO BE REMOVED AND I WOULD LIKE TO BE NOTICED PROPERLY. THESE TIME LINES DO NOT ADD UP. THE EARLIEST DATE THIS DEBT COULD HAVE BEEN REPORTED ON MY CREDIT REPORT IS   XXXX   XXXX  ND THAT IS IF THEY HAD NOTICED ME, WHICH THEY NEVER DID.     I WENT TO THE ORIGINAL CREDITOR ON   XXXX   XXXX   AND OBTAINED A COPY OF THE INVOICE AND DEBT THAT I WISH TO DISPUTE. I HAVE INCLUDED THAT INFORMATION WITH THIS DISPUTE