WillisBack/dataset-financial-user-claim huggingface dataset:
I worked with XXXX XXXX XXXX XXXX to settle my XXXX credit card. They told me the account was in a precharge off status and they offered me a settlement of {$780.00} due on or before XX/XX/XXXX. They said if I don't make the payment or if the payment is late then the credit card would charge off. I made the payment on XX/XX/XXXX for {$780.00} over the phone with my routing and account number. They said they would update XXXX so XXXX can update the credit bureaus. XXXX   updated my report saying that i made " payment after charge off/collection settled - less than the full balance ''. I was confused so I called XXXX XXXX at XXXX XXXX XXXX XXXX who is a collection supervisor, I explained that I settled the account with them and I asked him if the account was charged off when I settled it. He said no it was definitely not charged off and his company updated XXXX   that it had been settled, he told me I would have to contact XXXX  because they are the ones that update the credit bureaus. I called XXXX  and explained the situation. I talked to a couple representatives, one said that because I settled the account that means it was charged off and that is why it reflects that way, which is completely inaccurate information, she claimed she would put in my dispute. I talked to another person at XXXX right after that and she said she wasn't sure why it would update like that on the credit report, and proceeded to say it was probably an error in timing and when XXXX XXXX XXXX updated XXXX, she said she would put in a dispute. She then proceeded to give me the phone numbers for the 3 different credit bureaus and said to have them call XXXX to confirm the way that the account should be reflecting, that it was settled, not charged off. She also asked for my permission to speak with anyone from the three credit bureaus about my account, which I gave them permission to do. I called one of the credit bureaus and waited on hold for an hour, and when I got a live voice on the phone I told them what XXXX told me and asked them to call XXXX to verify how my account should be reflecting on my credit report - they refused to do that saying they don't make calls to creditors. I've wasted hours of time trying to get this resolved and still don't have an accurate resolution.
hi I have a mortgage on a dairy farm The dairy portion has been shut down and the buildings that were used to have the dairy have been decommissioned I have lost their permits have lost their status to be a dairy ever again and yet my Bank is requiring excessive insurance on buildings that have no purpose other than just being a shed I have asked them numerous times to send me original copies of the loan documents showing the insurance requirements and they are not willing to produce those I guess an example of this would be if you see an old gas station structure on a lot there are no pumps anymore there 's no tanks anymore there 's no permits anymore The land around it is being used for other purposes but yet the bank still wants to have levels of insurance as if it is a gas station
In a response to a CFPB complaint, I received the following response on XX/XX/18 ; ... your request to exit IBR has been cancelled and reversal of interest capitalization is in process. Also, you have been approved for renewal of IBR effective with the XX/XX/2018. 

After a period of waiting for the reversal of interest, I emailed the company on XX/XX/18. Ten days later, on XX/XX/18, I was told the following : Unfortunately we are unable to uncapitalize the interest since this application was processed as per your request.
My university uses ECSI as a loan servicer. The servicer 's repayment process on their website is very difficult to navigate. I pay all of my bills online, including a student loan from a different servicer, and ECSI is the only one that I feel is intentionally trying to scam people into not making payments or being charged fees to make a payment. 

The whole issue with ECSI stems from having to navigate through a convoluted process to set up a payment schedule. In my situation, I attempted to make a payment several months before my deferment period was over. 

The process began like this : First, the option to make a payment was not given. After searching the site you figure out that you need to go through a separate process to add a checking account to your loan account so that the payment can be withdrawn from it. 

Second, once the checking account is added, you are given a few options to pay your loan i.e. via checking account, credit card, etc. A problem here is that XXXX of the payment options are identical except XXXX charges you a transaction fee while the other is free. These XXXX payment options both withdraw from your checking account. If you select the wrong option you may be directed to the process where you will need to pay a fee just to pay off your loan. 

Third, once you select the free option to pay by direct debit ( checking account ) you select your loan balance that you want the payment applied to. Here, I elected to make a {$700.00} payment. After inputting {$700.00}, you need to hit the " apply '' button. I think this button tells the system that you really do want to make a {$700.00} payment. 

Fourth, after you hit apply, you now need to check off on the boxes " below ''. Here, I agreed to the terms of use. Then I checked a second box where I was telling the system that I wanted my payment to be withdrawn/applied to my loan on a specific date and then selected the date I preferred. 

Fifth, I clicked confirm and received a confirmation page that my payment will be applied on the date selected. 

The problem arises in the fourth step. There 's another box that I needed to select. This box generally says that I would like my payment applied in periods of deferment or when payment is not required by me. So, even though I went through all of the steps telling the system I really want to make a payment and I want this payment applied on a particular day, none of it made any difference because I did n't select the XXXX box asking to apply payment when payment is not required. I even was taken to a confirmation page that showed my payment set up was a success but it never really was a " success '' because ECSI intentionally made the process convoluted. 

I was lucky to catch this during my deferment period. There has to be many situations where people paying off their student loans post-deferment encountered the difficulties of the ECSI payment process and ended up being slapped with late fees and such.
in XX/XX/XXXX I cancelled my XXXX XXXX subscription because their products never worked, they refused to allow me out of the contract without making me pay the earlier termination fee. I paid my final bill and the early termination fee. i returned all the devices they had sent to me. They mistakenly kept my account active even after i paid my " final bill '' ( their words to me as i made the payment ) and told me that the account remained active after all because we used the " hopper '' receiver to re-order service. So they wound up sending another bill for another months service, i called them and raised XXXX and told them I've already paid and asked why did I pay a cancellation fee if they hadn't canceled it? they agreed that they shouldn't have kept he account active and confirmed they would reverse the charges. I never heard back from them or received another bill after this was all finally resolved this XXXX ... Now all of a sudden in XX/XX/XXXX i see they have sent me to a collection agency and are damaging my credit rating.
In early XXXX I recceived a XXXX loan of {$250.00} and was to pay it back in 2 weeks. The day it was due in midXXXX I was not able to pay it back. After the due date I spoke with the XXXX Mgr, XXXX at the XXXX Store and explained the problem why I could not pay yet and I hope to pay soon. XXXX, XXXX Mgr. said to keep in touch. Unknown to me when talking to her the XXXX store had been calling my employer. Sometimes the XXXX lender would call my employer and hang up just enough to annoy my employer. I finally got reprimanded and am looking for another job. The company is XXXX XXXX XXXX of California. I think this action is unfair. They contacted my employer and references within a week of being late on the payment.
I did not have any service on XX/XX/2016. My XXXX XXXX chart shows the date for XXXX XXXX XXXX as XX/XX/16. The itemized statement for XX/XX/16 shows as {$0.00} due.
We took out a loan from XXXX about 10 years ago. Somehow we wound up paying PNC bank for the monthly payment. PNC demanded the balance of the loan be paid back immediately, although we have this loan for 10 years and have been paying all payments on time. Just recently, we received letter from an attorney from PNC. Now that we are forced to sell the property to pay off the balance, we found that in addition to the balance of the loan, they asked us to pay a {$200.00} administration fee and {$2000.00} lawyer fee. If PNC decides to hire a lawyer, why am I asked to foot their lawyer 's bill. If we do not pay them, we will not be able to close the sale and pay the loan balance. This is nothing more than an extortion. Can they really do this? Another issue I am concerned with is that they may be clouding the title of the property with their legal mingling. Please contact me soon as the closing is upcoming and at this point we can not proceed with this open issue. Thank you for your help.
I have been trying to dispute this XXXX account for several months. Equifax has had this in continual dispute for well over 60 days. I have reached out to XXXX on multiple occasions, and they have NO RECORD of me in their system. They have no way to even pull this account up, as they no longer have the information in their system/never had information attached to me. 

I am a victim of identity theft.
This Company name XXXX XXXX XXXX XXXX ( It looks the owner/owners of this company owned before XXXX XXXX XXXX XXXX ) sent me a letter Stating I owe the Amount {$900000.00}. 
I sent them a Certified letter disputing the Amount, However this Debt collector ignored my letter and pursue with its the Illegal Act first recording a void Document stating I owed {$900000.00} and later they to try to sell my house in a Foreclosure Auction on XX/XX/2018.I  believe its action of this Company has violated my rights under the FDCPA.I would like to make a formal request to have Regulators from the CFPB to look into the practices these 2 Companies XXXX  XXXX XXXX , XXXX & Mc Calla , Raymer, Leibert, Pierce, LLC engaging using the same Phisical Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX, Besides I believe its illegal also to send dunning letters as they used a XXXX XXXX  XXXX XXXX CA XXXX XXXX
THE COMPANY IS WESTERN UNION. I USE THEIR ONLINE SERVICE, AND THE RECEIVER COUNTRY WAS XXXX. THE FIRST MONEY TRANSFER WAS SUCCESS, BUT THE OTHER 3 WHEN I INTRODUCE THE NAME OF THE RECIPIENTS I DID IN THE RIGHT ORDER, BUT WHEN THE TRANSFER WENT TO THE AGENCY THE NAMES WERE MIX AND THE RECIPIENT WERE NOT ABLE TO REQUETS THE MONEY, WHEN I TRIED TO FIX THE ISSUE, THE SYSTEM GIVE ME THE OPTION TO EDIT, BUT AT THE END SHOWS A MESSAGE THAT THEY ARE NOT ABLE TO PROCESS THE REQUEST, WHEN I WENT FOR OTHER OPTIONS ALMOST WERE THE SAME, AT THE END THE ONLY VALID OPTION WAS CANCEL THE TRANSACTION, BUT IN SMALL LETTERS SAID THE FUNDS WERE AVAILABLE AFTER 7 BUSSINES DAYS AND THEY NOT REFUND THE FEES, I DON'T KNOW IF THEY DO ON PURPOSE TO KEEP THE FEES WITHOUT DO ANYTHING, BUT LOOK SCAM FOR THE CUSTOMERS, ALSO WHEN I SPOKE TO CUSTOMER SERVICE PUT A LOT OF COMPLAINS AND REQUEST A LOT OF PERSONAL INFORMATION. THE TRACKING NUMBER OF THE 3 TRANSACTIONS WERE 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX XXXX, IN ADVANCE THANK YOU FOR THE ATTENTION GIVEN VERY RESPECTFULLY XXXX XXXX ( XXXX ) XXXX.
XXXX XXXX XXXX XXXX # XXXX XXXX, Pa XXXX Date XX/XX/18 RE : XXXX XXXX, XXXX Acct # XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
I received a call from XXXX XXXX XXXX around XX/XX/XXXX. The person on the phone said I had a XXXX XXXX XXXX debt of {$890.00} dollars and the card was associated with XXXX XXXX, my employer. I used my XXXX card for making travel reservations to XXXX XXXX prior to XX/XX/XXXX. The card was issued by XXXX XXXX XXXX. I went on XXXX XXXX leave on XX/XX/XXXX due to a personal injury I suffered on that day. I cancelled the reservations within 10 days of my injury to avoid paying any penalties for not using the services paid for with the XXXX card. Sometime after my injury, my employer switched from XXXX XXXX XXXX to another issuer, who I guess is XXXX XXXX. I never opened an account with the new issuer since I was on XXXX  leave and told by my employer to not engage in any employee related work efforts. Hence, I never knew of any charges to the AMEX card. 
When Credit collection Services called me about a debt for {$890.00}, I was mystified about it. I told them I would check into it. I checked my last known XXXX account, from XXXX XXXX XXXX, I owe them nothing. I think this charge of {$890.00} is a false charge.
XXXX previous complaint file XX/XX/2018 was dismissed by company. Please take action as the agency who protects my financial information. 
* USAA & XXXX reported my work experience, date of employment, etc on XXXX XXXX XXXX  background report * USAA & XXXX did employment inquiries on XXXX XXXX XXXX  credit report to gain information -- this endangered her ability to collect her XXXX pay as she can not work. 
* USAA & XXXX 's intent was to prove that XXXX was not an actual person but fictious to prove that I did not have a XXXX  sister. 
* USAA & XXXX XXXX intent is to show that I have mental illnesses that I do not have. 
AS the FEDERAL agency appointed to protect ME and MY PRIVATE information, please investigate what has been reported on XXXX XXXX XXXX reports and background and inquiries that are actually mine and were caused to be there by USAA & XXXX. It if vitally important to me that my sister NOT HAVE my background information or any current or future information.
My father XXXX and I am receiving a demand notice on his reverse mortgage. The uploaded demand notice from the lender, Champion Mortgage, gives me 30 days to pay in full before they initiate foreclosure. XXXX see options A, B, C, or D ) When I called Champion Mortgage I was told they would give me 75 days to submit my intentions with the property or ask for an extension. When I called, I was told they will not put these options in writing. Instead I get the following what I call scare tactic from Champion Mortgage.
I signed up for XXXX insurance based on assurances from the insurance company that my XXXX was in their network and XXXX were covered. It cost me {$100.00} to start the insurance and the monthly amount of {$37.00} was to be drafted on my Capital One credit card. After I received the information from the XXXX, I discovered the discrepancies in what I thought I was paying for and what I actually bought. I sent an email on XXXX XXXX, XXXX cancelling the coverage and requesting a refund. No response from the XXXX company, Upon checking my XXXX XXXX Capital One card statement, I saw a charge for the XXXX payment. I called the company on or about XXXX XXXX, XXXX to ask why I was being charged since I cancelled via email on XXXX XXXX, XXXX. I was told by their customer service representative that they would look into whether they had received my cancellation email but I would not be charged after XXXX XXXX and XXXX received a refund of my XXXX XXXX payment. I was assured that my 'membership ' was cancelled effective XXXX XXXX and I would not be charged in the future. It was n't until XXXX XXXX that I saw I was still being charged {$37.00} for the insurance membership on my Capital One credit card. I immediately called the company, sent them the email from XXXX XXXX, XXXX and requested a refund. The customer rep told me she would research whether they had received the XXXX XXXX email but could not do it that day since it was time for her to get off work and it was a Friday. She was to call me the following Monday but my membership was cancelled effective XXXX XXXX. She was not sure if management would refund my payments from XXXX XXXX to XXXX XXXX. The company never contacted me. Any contact was initiated by me on this matter. In the interim, I requested Capital One to reverse the charges/payments for this time period for this company. I sent them a copy of the XXXX XXXX, XXXX email cancelling the insurance membership. Capital One did reverse the charges but them sent me a letter stating I did not send copies of receipts of the charges so they reapplied the charges to my account. Since these were automatic drafts or charges to my account, I never had receipts for the charges. Therefore, I am filing a complaint against Capital One. I would also like to file a complaint against XXXX XXXX XXXX.
I get daily phone calls from the same number ( XXXX ). This number is from Chase Mortgage. If I answer the call it will automatically hang up on me, and then calls me back later in the day. I have spoke with Chase about the calls and they claim they will not stop.
I only called Experian Credit Reporting agency to discuss my issue. Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a student loan that is in forbearance with XXXX XXXX. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX with my student loans showing they are in forbearance. I like to address the issue of Experian dropped my credit score while my student loans are in forbearance. The reason they say they dropped my scores because of a credit decrease was reported. On a student loan you can have decrease but my scores should have moved up not down. Also, a credit decrease happen on the limit amount but this is a student loan that does n't happen on student loans. I like to provide you the information that my loans are in forbearance.
My name is XXXX XXXX. I sadly got a loan for schooling through XXXX XXXX which is Navient. I called more then once to get a lower payment on my student loans and they say that there is nothing I can do about it. I try to pay it but I simply can not pay on my salary. Every time I call to ask, they say I should just do a forbearance. I do not want to keep doing a forbearance. I want a reasonable payment. I beg this is all I want. It 's hurt my credit enough. I 'm now going through struggles finding housing because it has impacted my credit so much. Please. Help.
Recently I was scammed for buddy pass tickets for XXXX XXXX. The scammer had me use XXXX through Wells Fargo which I believed to be secure but indeed is not. The bank incorporates XXXX in their mobile app and make it seem like it's a transfer feature between people with the same bank. They make it seem secure and trackable. The bank does.not care that this is happening nor are they cooperating. I did a lot of research on the identity that the scammer used. I eventually got in touch with the real person who's identity the scammer was using. He claims it's a huge on going investigation and he gave me contact info for a Detective XXXX XXXX. The banks should not be backing XXXX. It is misleading by having it incorporated in their mobile app and they seem not to care whether I told them I was scammed. They should reverse the payment and also provide the receiving account details to the Detective.
I placed an order for a rifle scope on XXXX XXXX for {$1600.00}. XXXX XXXX shipped me a much cheaper scope than the one that I ordered. I made a return request for incorrect merchandise received and my return request was approved. I was advised that I would be refunded once the scope was received. The scope was received by XXXX XXXX according to the return tracking and I was never refunded. I disputed the charge with my credit card company as returned merchandise and I won that dispute. At this point XXXX XXXX set up a collections account with Kross Lieberman and Stone for {$1600.00}. This is a debt that I do not owe. 

I disputed the debt through the three major credit bureaus. I continued to receive harassing phone calls from Kross Lieberman and Stone, and received threats of lawsuits and threats of damage to my credit score. The collections account was ultimately reported on my credit report and has significantly damaged my credit score for nearly a year.
me and my husband moved out of apartments in XX/XX/XXXX 2016 the landlord was retaliating against us they alleged non-payment but they refused the payment out of spite because my husband complaint to the housing commission, the landlord ended lying to the court and obtaining an agreement with us to pay them monthly and we paid them monthly the sum of {$350.00} every month now sunbow partners has sued us in court alleging that we still owe {$800.00} and has not notified us at all, we never got served nor did we ever receive a bill or explanation that we still owe them, XXXX XXXX with kimball tirey and st.john 's help obtain a false judgment they duped and lied to the court they never notified us of the suit. they have violated our FDCPA rights which are federally regulated.
This a formal complaint against TransUnion regarding inaccuracy on my credit file. On XX/XX/XXXX, I discovered that XXXX XXXX account number XXXX opened XX/XX/XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX and XXXX which I have proof. I know that CRAs do not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX and XXXX by DELETING/REMOVING this account from my credit file.