WillisBack/dataset-financial-user-claim huggingface dataset:
XXXXt/Convergent collections state that I owe {$280.00}. This amount has changed every time I have disputed their claim. Over the past 5 years, the amount has changed from approximately {$700.00} to now {$280.00}. Phone calls from the company are demanding that I just pay the amount or the rude calls will not stop. This has been going on for years. I have contacted the company to dispute these charges and it seems to get passed on to several different collection agencies. I filed bankruptcy 3 years ago and this was not listed on my credit report ( it  would have been included ) This is not my debt.I owe XXXX absolutely nothing. There are no records, contracts or otherwise. I have requested whatever proof they claim to have several times and it has not been provided and the overly rude " people '' they have calling is becoming overwhelmingly stressful
When using the web site to make payment, loancare llc will put a added cost to your payment if not done in the first four days, This fee starts at XXXX $ AND GOES UP. My mortgage is not late until the XXXX of the month, and this company is charging late fees after four days. This goes against contract and to me is against the bound agreement of the contract.
There 's several names that are fraudulent on my account that I 've never used and I 've asked them to be removed with no resolve. I have even sent in a letter that displays a copy of my driver 's license that was notarized and it still has not been removed! I am tired of this incorrect data being reported.
On XXXX XXXX 2017, I went to my XXXX XXXX XXXX. I went to the customer service center to purchase two money orders. Upon letting the cashier know that I wanted to purchase two money orders, the store associate ( XXXX ) told me that she would not help me. Upon asking her why, she said that store management has decided to implement a policy against XXXX persons and people who look like me. I asked to speak to the manager ( XXXX ) who said that particular store did not provide customer service to XXXX.
Recently received mail solicitations for filed lawsuits against me for debt that was never validated/ verified by XXXX XXXX XXXX . I received one phone call from a representative that stated they wanted to collect on a debt. I informed the individual that it was highly unlikely that I would be paying anything that I hadnt verified nor received anything in the mail. I was told to expect the mailing soon and I could then make payments. I told the individual that I didnt have the resources to make any payment that I am unemployed with XXXX XXXX and had recently lost everything in a flood. I never received anything from that company, call, letter, nothing but I received notice of a lawsuit. When I called last week, I was told that the accounts were closed but if I need to talk to someone, contact the attorney. Now, from my understanding as it is clearly noted on their website Consumer Bill of Rights, that collection activities are suspended and accounts are closed due to medical and financial hardships. They didnt provide proof that I owed them anything but I was upfront with them about my financial situation and illness and now Im being sued! There is no fairness and a whole lot of misrepresentation in those Bill of Rights!
Filled out the forms to. Get my credit report after being denied credit. I believe there are many things that can be deleted from my account out dated bills. Charged off bills and bills taken over by other companies. Most of my poor credit is due to u paid medical bills. I am indengent and on medicaid can I get help with forgiveness on those bills and my student loans
I have filed a 609 with Transunion on  X/X/17   ,  X/XX/17   , and  X/XX/17   .  XXXX  on on  X/XX/17    and  X/XX/17   , and  XXXX  on  X/XX/17    and  X/XX/17   . Then I sent a letter stating that I would file a complaint with the FTC, and they continually are replying that the accounts belong to me, but I was/am disputing that if the Credit Bureaus CAN NOT provide a copy of the original signature that the items should be removed from my credit report. They are in blatant disregard, according to the 609 law. Here is the list below of the items that I have reported to be removed from my credit report  XXXX  = {$620.00},  XXXX   XXXX  = {$1300.00}  XXXX  = {$1900.00}.     Thank You,  XXXX   XXXX
I have been reported inaccurately to the XXXX credit bureaus for having late payments on a student loan in which should have been in forbearance. I was never informed by Navient that my loans were out of forbearance and now they have been reporting my student loans as 120 days late? That is unacceptable as I am a XXXX veteran and am i the process of trying to fix this. It has single highhandedly ruined my credit. This should never be the case especially when I was never properly informed of the issue. I only found out what they were doing by pulling a credit report. This company has very questionable business practices and should be investigated.
CHASE Bank reached out proactively to refinance an active loan # XXXX for property address XXXX XXXX XXXX XXXX. During the refinance of loan # XXXX to loan # XXXX, CHASE mistakenly recorded my current mailing address XXXX XXXX XXXX XXXX as the property address being refinanced. Due to this error, there is currently no active loan for XXXX XXXX XXXX XXXX XXXX, OR XXXX. Rather it shows as a lien against XXXX XXXX XXXX XXXX XXXX, OR XXXX. I have applied for a HELOC with XXXX for XXXX XXXX XXXX XXXX, but am unable to move forward due to the incorrect lien against my property. I have been working with CHASE to fix the issue, but am unable to get them to take the necessary action. CHASE has verified the discrepancy, but have yet to fix the problem. CHASE has never owned the loan or been involved in anyway for XXXX XXXX XXXX XXXX. This is having a real and significant impact on my homeownership and financial well being. I have spent significant time and effort toward resolution. This should be illegal on all sides. It is unclear how something like this can make its way through the many checks and balances associated with Banking and Mortgage Fraud. I assume that there is some sort of consumer protection in place. Please help! Thank you, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX
XXXX XX/XX/2018 I used the free credit reports website to access and print off all three of my annual credit reports. My name is unusual, and all three had multiple incorrect listings. I attempted to alert them to this, but the only avenue they provide is as a dispute, which must be handled they say via email. So email address and, weirdly, a password were required. Today, XXXX XX/XX/2018, I received an email from TransUnion congratulating me on being signed up for their service, only {$19.00}, no word or way to correct the names listing, and no email reply accepted. So I went to their online customer service page, which provides a phone number. Which I called, waiting some minutes, and finally spoke with " XXXX '', poor man. XXXX required my social security number, name, mailing address, pulled up my file, listened to my request to correct my name, then started telling me he had to ask me questions to verify my identity -- the same questions I'd answered the day before online. By now I'd spent 40 minutes on this and was becoming angry. He began asking the questions, but began to break up so I could not hear the multiple choices to answer, which I told him. I also said this was a ridiculous way for TransUnion to behave, apologized for my angry voice, that I wasn't mad at him but at his company, and that I couldn't hear him and was going to hang up. I also said I was going to complain about this bait and switch, starting with my state 's attorney general, and I hung up. I didn't contact the attorney general, I contacted you. 

My last name is two separate and equal words, which computers sometimes can not handle. Even so, I have had to correct only one account in the last 20 years, with XXXX XXXX. So there is no reasonable explanation for all these aliases. I also have two middle names, which complicates things somewhat but honestly, it can't be impossible in this day and age to get somebody's name right. Social Security can. I bet the IRS can, too. OK, that's it : incorrect names and trying to say I signed up for a service I did not sign up for when they know perfectly well they can themselves report my failure to pay them as a ding on my credit. Pretty furious at them. Hope you can help.
I have a plan of payment with the American express that I will pay them $ XXXX/month until m y balance is fully paid with an interest rate of 9.9 %. my credit card is closed. this billing period of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX they increased my interest rates to XXXX %. I am seeking your office help to compel the American express to honor the agreement. Thank you very much.
this company has been calling me for years using so many different numbers its hard to keep up with, they have used up my home phone messages so many times and so often i do n't even use my land line anymore. i use a cell phone that belongs to a third party and is n't recorded anywhere in my name, somehow they got that number and have started calling it. i am a XXXX veteran now living alone, i may or may not owe this debt, i filed ch XXXX XX/XX/2005 but found out later my wife kept some cards and accounts i did n't know about. she left over 2 years ago and i h ave no idea where she is. these people send me several letters a week and have called so often over the years its driving me crazy. i used to argue with them but sometimes its computer generated, when its a person they wo n't stop talking long enough for me to say anything, when i get mad and curse at them they talk over me and tell me its illegal to speak that way on the phone and that im being recorded.
TransUnion is reporting a judgement that does not belong to me. I am being violated and I do not approve of this violation. I was forced to pay {$1300.00} to settle this debt that did not belong to me and in order to remove this derogatory item and STILL TransUnion refuses to remove it after XXXX and XXXX has both removed this fraudulent item. My entire correspondence with TransUnion has been through certified mail for the last several months.
In XX/XX/2018 I paid {$2400.00} on my existing car loan, with the intent to pay them 6 months in advance. For the last 3 months they have been increasing the balance on my credit report instead of decreasing it. It went from being XXXX to now being increased to almost XXXX. How can that be? I have never missed not one payment. At this time I believe I owe less than what they are reporting and they are attempting to get over on me.
NAVIENT is the company that I pay my student loans through. When you make an over payment through their online tool, NAVIENT deliberately applies the over payment how they see fit every time. We over pay our student loans each month and we pay the minimum to one and the over payment to the other. NAVIENT will shuffle the money around how they see fit. Even though the custom pay option exists on the website, it is ignored and we have to call them so a supervisor can correct the issue. This is fraudulent as the average customer probably does not check back to ensure that the payments were applied correctly. 

They then do lots of transactions that is somewhat visible on the account history by loan but it is impossible to figure out exactly what was applied. I called three times for my last payment and I thought they finally got it right but when I added up the negative and positive transactions, the final payment is still short of what I sent them. So even after I call them and tell them the exact amount, they will not honor the payment. 

This is not hard, whatever I put in the custom payment boxes should be applied with a checkbox to apply the extra payment towards the current principle and not future payments. This is a deliberate attempt to get as much money out of people as possible. 

To correct this type of behavior, the person paying the loan, should have the option to choose a different loan payment company if we're unhappy with the current one. After all - they can simply sell my loan at their own leisure.
This is in reference to a balance due on a eviction from XXXX XXXX XXXX on XXXX AZ. 

XX/XX/2015 I spoke with a XXXX XXXX a Debt collector at National Credit Systems Inc. I advised her that XXXX XXXX signed my XXXX lease 12 month lease and was not on any subsequent leases. I was the only person that signed the lease that was terminated in XXXX 2015. I advised her that any contact or threats of reporting to her credit report would be unlawful and I would seek legal remedy. 

XX/XX/2015 XXXX XXXX contacted XXXX XXXX via telephone and advised her that collections has proceeded against her and pending bad mark on credit report. This is a debt that is MINE ALONE which the property management is aware. XXXX XXXX completely disregarded our phone conversation on XX/XX/2015. XXXX XXXX advised her that was not on my lease ( 2015 ) and not to contact her again regarding her son 's personal business. She terminated the call. 

XXXX XXXX and National Credit Systems Inc has violated the FDCPA restrictions on 3rd party disclosure. I feel that these tatics are unlawful and violations of Unfair, Deceptive or Abusive Acts and Practices and this has prompted me to file another complaint.
I have been defrauded by Westlake Services , LLC. I have been with them for five years. 
When I went to get a 2nd car after paying off 1st car, I found out they never reported anything to credit agency 's. I have been fighting with them since then to report 1st car and now my 2nd car. They refuse citing absurd SSI problems " they cant talk about '' They are a predatory lender with uber complaints for same thing. I spent last 8 months trying to please them sending everything they requested over and over. I contacted credit agents and they said its clearly Westlake that is the problem! They have cost me thousands of dollars and lie about fixing credit to many people so you never get away from them it looks like to me.
Their is a credit reporting ( XXXX XXXX XXXX ) on my credit report that is past the 7 year. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report.
We subscribe to XXXX as part of my wife 's XXXX business. XXXX XXXX is based XXXX, we live XXXX. But the recurring charge of {$29.00} is being processed as an international transaction on our XXXX issued credit card. In the past this resulted in our being charged foreign transaction fees each month. We 've switched cards to avoid this fee, but presumably thousands of subscribers are being charged this fee every month fraudulently. I 've attempted to address this with both our previous credit card issuer ( BofA ) and our current card issuer XXXX XXXX XXXX, but neither has been able to resolve as apparently it is a result of the processor used by XXXX XXXX.
good morning my name is XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXXsince XX/XX/XXXX i been working with chase bank to do a short sale on my invested property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX. As i explain on my hardship Letter and i proved with my Financial statements and tax return i cant not longer continuum doing the payments for this property due to income reduced and lack of funds i will attached copy of the hardship letter at this time i am 4 months late on my payments in the past 3 years i invest about {$62.00} to remodel this house do to a Tenant vandalize the property .. i have all the receipts XXXX XXXX , windows, electric box roof kitchen and more we do n't have any more money to contribute to this property the house has been on the market for sale for over 1 year at a price of {$52.00} Note my balance due on this loan is {$51000.00} for that reason i cant put this house on the market for less money Since XXXX we have received. XXXX strong offer as cash for short sale on the amount of {$34.00} the bank appraisal came to a value of {$27.00} much less that the offer my total income declare on my tax XX/XX/XXXX was {$32000.00} a yearmy income is about {$2600.00} a month and my house expenses a month are about {$6200.00} with out counting the business expenses since i am self employee and my income is based on Commissions. on XX/XX/XXXX the bank negotiator name XXXX XXXX send an email to my realtor XXXX XXXX with a short words saying that the short sale was dined not explanations i call a supervise and he told me the reason of denied is i have to much income?? they are using a wrong calculation of my profit and loss and they refused to explain how they come on with the calculation XXXX told my realtor Quote : please tell your client not to call me i do n't want to talk to then i will communicate via email for any questions i am attaching the letter of my income explanation for you to review .and i would like some action to be taking to XXXX XXXX for not been working with ethic for customers and never return a phone call to us we are 100 % sure the reason of the bank denial is because XXXX XXXX XXXX XXXX not doing a good work on this loan the lack of communication with the clients the Nasty attitude to my realtor and my self is coming to the conclusion that she is not working to help Customer interest but only the bank interest. our gold is to short sale this property since we cant do any more paymentsmy email is XXXXXXXXXXXX my phone is XXXX XXXX
I borrowed a total of {$38000.00} in XX/XX/XXXX and XX/XX/XXXX for my student loans with National Education Services from XXXX, IL. I noticed after making 87 payments on time that my balance was only rising. After speaking with them multiple times and not getting answers ( even when speaking to the President XXXX XXXX ) I finally talked to someone who told me there was capital interest on top of my monthly interest. The capital interest was for nearly {$14000.00} total. So my loans were starting at {$52000.00} with an additional monthly interest taking out. When I said I was never made aware of this I was told it was on my contract. When asked for a contract she said she would send it to me right away and I have yet to get it. 
It took me a while just to find out about this and again was never made aware of this, nor did my account ever reflect the total of {$52000.00}. I am appalled at this company and their actions throughout this situation.
I DONT HAVE OR TAKE OUT A LOAN, I HAVE REQUESTED DOCUMENTS TO VALIDATE THE LOAN, I AM NEVER RECEIVING THE REQUESTED INFORMATION. THIS IS A STRESS ON MY HEALTH AND I ASKED FOR THE ASSISTANCE TO GET THE REQUIRED INFORMATION SENT ALONG WITH REQUESTED DOCUMENTS TO CONFIRM LOAN
They did not use abusive language, I 'm a result of the fraudulent ticket that was also aired on the news. Although I did see the report of fraudulent tickets, I just did n't want to deal with collections so I attempted to pay. In my process, they refused to let me speak to a manager and refused to take my payment. Also told me what I should do in regards to my issue such as getting the car out of my name. I did n't ask about my personal issue nor did I tell XXXX about it so I do n't understand why he would tell me that. He was unprofessional. 
I discovered I had XX/XX/XXXX tickets around XX/XX/XXXX. I then notified the driver who said he was parked at the law enforcement wall where there is no meter. He also advised XXXX XXXX from XXXX XXXX was taking care of it. I called XXXX XXXX and was told I would be reported to collections in XX/XX/XXXX. The XX/XX/XXXX I received collection letters. I then called XXXX XXXX and spoke to XXXX XXXX on XX/XX/XXXX, he ask me why I did n't get the car out of my name and I can hear him laugh. I also request his supervisor many times and he told me. The second call to XXXX on XX/XX/XXXX took minutes to let me speak to XXXX XXXX. Please listen to the calls. On XX/XX/XXXX I attempted to pay and XXXX refused to take my payment because he said I gave him my name wrong.??? On XX/XX/XXXX I spoke to supervisor XXXX XXXX who refused to take my payment because she said I gave her my incomplete name.?? 
I have emails that I tried attaching-my emails begged for a Manager to contact me and as of today no Manager has contacted me regarding this encounter with fraudulent tickets nor unprofessional staff.
XXXX XXXX, representative from Midland Funding , LLC contacted me numerous times between XXXX XXXX - XXXX, 2015 requesting payment for a debt. XXXX requested I make a payment and I refused because I had not received validation of the date. I inquired about a settlement without validation and was told by XXXX that I had to give him my bank account information before they could make offer a settlement. I declined to give him my information and requested a settlement in writing and was again told that he could not give me a written offer until he had my bank account information. I declined giving him my information. In XXXX 2015, they reported the collection to the credit agencies.
There 's XXXX credit card record. 
I have only XXXX!!!! credit card. 
Also there 's account on XXXX XXXX name. I am not that person. And that account is n't mineWhy it 's on my record?? 
Thanks
When moving from my prior residents I turned in equipment for wifi cable/internet. After several calls to XXXX I was assured this issue was resolved. XXXX listed me with XXXX wifi routers. I explained to them on numerous calls that I had only XXXX wifi router as this is XXXX home and they agreed. I did have the router replaced because it was faulty over a year ago and XXXX stated the person who handled my case obviously did not log the equipment as returned and this caused my record to show XXXX and I was assured this will be taken care of and I would not have any further issues and now I have received a box to return equipment and I continue to receive a collection notice for something I do not owe.
There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
My husband and I applied for a Mortgage Loan with Capital One in response to a " Paradise '' promotion we received on XXXX XXXX, XXXX. The promotion was for existing Capital One Venture credit card customers, and promised XXXX bonus miles if we refinanced our mortgage with Capital One. We proceeded with the refinance, making sure to reference the promotion with our loan specialist many times to ensure we would receive the promised reward. We closed our loan on XXXX XXXX, XXXX, and the loan funded several days after. The fine print of the promotion stated that the XXXX points would be deposited into our account within 60 days of the loan funding. As of XXXX XXXX, XXXX, the promised points have not been deposited. We followed up with our loan specialist on XXXX XXXX, which was beyond the 60 days promised. We received a response on XXXX XXXX that we would see the points on our XXXX statement. On XXXX XXXX, we received our XXXX statement but the points were not deposited. Our loan specialist appears to be doing what he can to make sure Capital One complies with their promotion, but unfortunately Capital One has failed to deliver what they promised. The promotion was the main reason we chose to refinance with Capital One, and feel that we were deceived by the company.