WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted XXXX XXXX XXXX regarding a collection amount that showed up on my credit report showing I owe {$130.00} I spoke to XXXX in customer service on XXXX/XXXX/XXXX @ XXXX and she could not help me she transferred me over to XXXX XXXX XXXX collection department. I spoke to XXXX on XXXX/XXXX/XXXX @ XXXX and made me aware it was for service from XXXX XXXX. My issue with this is that the name on the account was originally on my sister 's name then it was transferred to me. I decided I no longer needed a landline so I cancelled the account but never received any bill regarding these charges until now. I am trying to purchase a home and it is affecting my credit score because this account was sent to a collection agency called AFNI , Inc . They could not prove to me that any letters were sent by XXXX XXXX XXXX and never received any letter from the collection agency AFNI, Inc. as well. If I do owe this amount of {$130.00} I do not have a problem paying it, but in all fairness this should be removed from all XXXX credit bureau companies. So I can move forward in purchasing a home for my family.
I was a cosigner for my daughter apartment. The apt manager ( XXXX ) replace the carpet after my daughter move out, because of pet damage. the dept was sent to collection and placed on my credit report without ever contacting me for payment. They never gave me a chance to clear this dept before attacking my credit. I offered to pay this dept if the collection company ( Rent Recovery Solution ) would remove the negative comment that they placed on my credit report. Which they refused to do.
I leased a XXXX XXXX BMW for 36 months, at the end of my lease I turned the car in. a few months later I received a bill for {$1100.00}. ( {$350.00} deposition fee, {$150.00} for lost key, and {$600.00} for crack in windshield ). my problem is the {$600.00} for the windshield. When I returned the car I took a video of the car while the employee was taking my plates off. There was no damage to the windshield. I tried to explain to the collection employees who continue to call me. I told them about the video that I had, both employees said it didn't matter. I asked how could a video not be proof? Can you please look into this matter.
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is XXXX I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in XXXX and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
I have gotten my free credit report and for the last many years I have an address that does not belong to me and it is :XXXX XXXX XXXX XXXX XXXX, FL XXXX .... I have never lived there and I requested this removed from my credit report twice before to no avail and I need it off my records. 

My current employer is not on my records which is : XXXX XXXX XXXX XXXX XXXX XXXX and began employment XX/XX/XXXX and currently employed. 

I currently have a {$5000.00} personal loan with XXXX XXXX XXXX XXXX XXXX and paying it timely but the one that I had for {$2000.00} before this one was paid in full and satisfied and it does n't reflect that. 

I also had a satisfied closed account with XXXX back in XX/XX/XXXX I also have never in my life had any mortgage anywhere in the united states and I have only financed one car in my life and only in Florida I have seen multiple car loans and mortgages in different states. I have never lived in any other state.
I signed up for a special 12 month no interest balance transfer program from Capital One. I transferred a balance of {$8000.00} from a XXXX credit card as of XXXX XXXX, 2017. I see that I was charged {$51.00} in interest which violated the promotion that I signed up for. I called Capital One and spoke to several representatives. They stated that they will credit {$51.00} as a one time credit and that my case is being investigated. One of the representatives stated that this was a glitch. This is unfair since it violates the agreement that I thought I had by signing up for this 12 month no interest balance transfer promotion from Capital One.
I took out a loan with XXXX to have a procedure done. They quoted me for XXXX dollars but only provided the doctor XXXX and I still had a balance with the doctor of XXXX. Moreover, I would pay back XXXX dollars for three years XXXX a month. I hit hard times so I missed XXXX payments and also decided not to have the procedure done. I was told todat by the doctors office that XXXX rescended their loan and that the doctors office sent them their money back. So I should not have to pay anything because not only did they pull their money back I never got the procedure.
Pressler & Pressler debt collectors placed a lien on my home for a paid in full credit card debt and I provided a copy of the cancelled check as proof and by leaving off the last four digits of the card account number, stated "it is for the wrong account"  so liars and so deceptive it is beyond comprehension!!!
I have contact XXXX about this problem and also Equifax about this problem. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016. The account still showing Collection Charge off. Should not show that. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016.
LAW FIRM TALKED TO MY FAMILY AND CO WORKERS, in violation of fcra, fdcpa, tcpa and skip tracing
Calling the number listed for customer service on the Nationstar Mortgage site resulted in automated advertisements for XXXX minutes, with a prompt required for each of about XXXX ads to decline more information, then I was told this was n't a working number and I should call another number. When I called the other number it had the same advertisement routine. Then I tried logging into the web site, but it would n't reset my password although it kept acting like it would -- i.e. sending me a reset link through email. It took a lot of digging to find the corporate headquarters phone number. I was forwarded through XXXX departments there and finally got customer service. But I was aware, and so was the agent I spoke with, that the company was deliberately keeping customers from speaking with a person directly.
Citibank promised me a {$400.00} bonus if I opened a checking account with them, deposited {$15000.00} and maintained that balance for 30 days. They were to have deposited the bonus after 90 days and failed to do so. I called and complained, they acknowledged that I 'd met the necessary requirements and admitted that they were " aware of issues '' regarding the bonus payment generally. I still have n't received my bonus.
An Order for wage garnishment was issued against me without being endorsed or filed from Con Serve in XXXX, NY. I have been actively paying on a debt for several years. Con Serve issued a fictitious amount of debt in a wage garnishment through my employer that was never filed in federal and/or state jurisdictions. My employer started garnishing my wages without verifying the validity of the garnishment and I have been forced out of my job due to harassing calls from Con Serve to myself and my employer. Various representatives from Con Serve repeatedly called me at work threatening to have me arrested and take my income. One representative of Con Serve stated his name was XXXX XXXX and that he was an Attorney, but he sounded more like a high school student hired by his parents, who are likely the investors. I lost my job and I lost my home. I am responsible for taking care of an elderly family member and I can no longer afford the medical care needed due to Con Serve issuing a false garnishment against my income and my employer. Between the years of XXXX-XXXX, I had been actively seeking stable employment throughout the US prior to starting my job last year. I want a criminal complaint against the organization at Con Serve, XXXX XXXX XXXX XXXX XXXX, XXXX, NYXXXX.
I filed dispute with XXXX on XX/XX/XXXX against XXXX XXXX in the amount of {$2800.00} for flooring installed on XX/XX/XXXX. The company did incorrect install which is clearly defined in an independent Engineering report that they paid for. They re-installed the flooring again incorrectly this year in XXXX, clearly defined in another Engineering report they paid for. I faxed reports and all other documentation supporting my case on XXXX. Discover took 28 days to acknowledge they have documents. I uploaded documents to them on XXXX as well. Discover supervisor XXXX told me today XXXX, unless I have document from XXXX XXXX stating I 'm due a refund or credit they will not be giving me my money back. Well, that is an idiotic statement. A dispute is because a merchant refuses to refund money. I have been given so many different reasons why I wo n't get my money back. It 's all made up lies by Discover. They are not honoring their contract with me, their customer that is clearly defined in their own terms and conditions. I spoke with XXXX XXXX in consumer advocacy executive department today. Got the same runaround from him. He told me he ca n't help unless the case is closed. Does n't a company have certainly legal responsibilities they have to abide by? They should n't be able to get away with this. I 'm told they will close case on XXXX. That 's 3 days. Hardly enogh time to adequately review my case. I was also told they do n't have to do anything because I 've waited over 120 days to complain. No where does my terms and conditions state this. They already made up their minds to not pay. How can your agency help me?
i have a visa debt card by wells fargo it was charged by clever bridge for panda sucurity.this is a new card i didnt give this new card number to no merchant to renew any product but yet they charged my account why? i gave no perrmission nor my card number so are you me? to give out my number and charge when you want?
I received a call from my mortgage company stating I missed a payment for XX/XX/XXXX. I told them that I made the payment and had the ACH information to prove it. 

They took my information and told me that the payment was made, but that it was short of the amount owed. I told them I had automatic payments set up and that it was the same amount every month. 

They informed me my rate had increased. So, my payment was short {$60.00} I was transferred several times before speaking to a gentleman that told me I was in an ARM and this was the first time my rates were eligible to raise and they indeed had risen by 1 %. I told him I was never notified of the rate change and if I had I would have adjusted my automatic payment. 

He then stated that mistakes sometimes happen. But, indeed my rate had increased and that unfortunately the company did not send me any notification. But, I need to pay more. 

He then told me the rate will increase again next year and I should work with him to lock in a rate right now. I was under the impression the ARM was based in interest rates at the current time. But, it seems the company will increase my rates regardless. 

Also, I believe they had a legal responsibility to notify me that my rate increased. Saying mistakes happen is not a legit excuse. I should have had an opportunity to shop around once I was notified, but they prevented me from doing that by blindsiding me with an increase. 

Then I was told if I want to save my home I should work with the agent now or my rates will increase. As an XXXX XXXX military member i find this practice to be unethical and borderline illegal. I have the resources to pay my mortgage ( increase and all ) but this man telling me I need to save my home and I was in danger of losing it if I didn't refinance with him is a dangerous practice. Something should be done. 

Protect our veterans and XXXX XXXX by not allowing these deceptive business practices to be perpetrated.
I RECENTLY CHECKED MY CREDIT REPORTWHICH I HAVEN T DONE IN YEARS I HAD FOUR IN COLLECTIONS THESE ARE NOT MY ACCOUNTS I SENT DISPUTE LETTERS TO ALL FOUR TWO OF THE HONORED MY REQUEST TO DELETE FROM MY CREDIT FILE HOWEVER LVNV FUNDING AND XXXX XXXX ARE GIVING ME A HARD TIMELVNV REMOVED IT ONE WEEK AND PUT IT BACK THE NEXT SAYING THEY DIDNT HAVE ENOUGH PROOF IT WAS FRAUDULENTLY OPENED I HAVE NO KNOWLEDGE OF THESE ACCOUNTS THEREFORE THEY WERE FRAUDULENTLY OPENED I HAVE BEEN TRYING TO REBUILD AND REPAIR MY CREDIT SINCE FINDING THIS OUT LVNV IS XXXX OTIGINAL CREDITOR XXXX XXXX XXXX XXXX  ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER XXXX XXXX XXXX ACCOUNT XXXX DATE OPENEDXX/XX/XXXX ORIGINAL CREDITOR AMOUNT WAS XXXX HIGH BALANCE XXXX XXXX XXXX PHONE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ACCT XXXX ORIGINAL CREDITOR XXXX AMOUNT XXXX OPENEDXX/XX/XXXX I AM A XXXX XXXX XXXX VETERAN I HAVE NO RESON TO LIE THIS IS SO UNFAIR MOST CREDITORS WERE SO KIND AND HELPUL EXCEPT THESE TWO WHICH I VE READ ALOT OF REVIEWS NONE GOOD CAN YOU PLESE HELP WITH BOTH ACCOUNTS THANK YOU
I discovered my bill was due on X/X/2017. I realized it on X/X/17, I called the company and was told to make the payment online. I did and was told they would not charge a pentalty due to the fact I called and payed balance immediately. Received a bill today with a finance charge of more than the bill was. My balance was XXXX I paid in full, now I am charged XXXX in fees. I was told old since they removed a late fee beginning of the year they will not remove this. The fees are over 100 % of my previous balance!.
I received a letter from XXXX and telecheck/XXXX XXXX XXXX I was cashing checks from a bank that I do not bank with which is called XXXX XXXX  tried to XXXX XXXX XXXX I wouldn't help me told me that account wasn't on my name or is not existed I promptly send telecheck/XXXX XXXX service a fax of my police report and I called XXXX received a second letter and the information in their system was accurate I will send a police report on XXXX that fix the problem ... but please if you can also assist me
in XX/XX/XXXX I paid off an old charged off debt made by XXXX and serviced by loancare service center, account XXXX, it continues to show up as an open account with {$31000.00} unpaid, I have not received a statement for over five years.
I have disputed an Account on all 3 of my credit reports : XXXX XXXX XXXX Filed XX/XX/XXXX Charge off Last Updated XX/XX/XXXX XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} Equifax - Disputed XX/XX/XXXX- Reporting at the time {$15000.00} I requested that they validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from their credit file. All three Credit Bureaus replied with a letter stating " Verified ''. No Documentation was provided as requested in the letter. <P/>As a result of the Disputes I sent on XX/XX/XXXX to the Credit Bureaus, XXXX XXXX XXXX has chosen to be really spiteful by increasing my Balance with the Credit Bureaus to affect my credit report. Which has been done as my scores have dropped tremendously. <P/>XX/XX/XXXX - XXXX XXXX XXXX Increased from {$15000.00} to {$15000.00} XX/XX/XXXX- XXXX XXXX XXXX Listed a New account name " XXXX XXXX '' XX/XX/XXXX -XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} XX/XX/XXXX XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} All of these changes due to me disputing an account that they will not provide the documentation as requested. The Credit Bureaus did not complete a thorough investigation as they are supposed to and the account needs to be removed from all three Credit Bureaus.
I am sending XXXX attachment. But i noticed it said fake path. Since I began making reports to CFPB, I notice a redirect when I have sent documents to you. As of yesterday, I was hoping it was repaired. If I do not hear from you, I will call shortly. 
In a XXXX XXXX, 2016 correspondence from specialized loan servicing company ( SLS ), the company stated XXXX XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee is my current creditor with whom the debt of XXXX is owed. SLS stated that the amount of debt as of XXXX XXXX, 2016, is the unpaid principal balance ( PB ) of the first mortgage : {$46000.00} and includes the deferred principal balance : {$78000.00} There is a late fee, advanced escrow fees, and some uncollected interest also owed. To bring more clarity to this matter, I am asking Specialized Loan Servicing ( SLS ) to provide me with, again, 1. Name of company to whom I owe the {$120.00}, XXXX, Address, Telephone Number, Loan Account Number, and provide a first and last name of a person to contact, along with extension number if he/she has one.
On XX/XX/XXXX, letters were mailed to Experian in order to get incorrect personal information removed from my credit report. 
In providing PROOF of identity, I provided my original birth certificate, social security card, police report for stolen wallet with all personal information inside, a utility bill for current address, as well as statement. 
I informed that my name is XXXX XXXX XXXX and has always been, XXXX XXXX XXXX. 
However, my report shows 16 different variations of my name, along with adding another last name, there are multiple misspellings.

There are also 20 addresses listed.

There is no way possible that I could have lived at 20 different locations In 7 years, with some being in different cities. 
There are even social security variations, as seen, using my daughter 's social security number, of which was stolen with wallet. 


It is my right as a US citizen to have this INACCURATE information removed from my report immediately, especially after providing the requested proof as stated on the company 's website. 

I have also provided proof, where this company has sent me two separate reports with two different spellings of my name. 
It has become apparent that this company IS NOT completing proper investigations. 

My letter was mailed from Louisiana XX/XX/XXXX, And a letter was sent in response to me,XX/XX/XXXX. 
How can one complete a proper investigation in such little time?
The representative was completely belligerant and rude when I ATTEMPTED to let him know that I did not owe this debt. I made him aware that I was elderly and he was not legally allowed to call me anymore at that point he told me there would be a legal judgment placed on me and hung up.
I have asked numerous times to get a letter in writing about the account in collections. They state they will not send one until money is paid upfront. I want this closed but will not pay anoyone without proper notification. They c all 3 to4 times a  day and continue to refuse written account information. They state one was mailed however this can not be true based on their continued refusal to mail me anything.
I have a small medical bill ... .I sent a partial payment to medical financial solutions after receiving DAILY calls from them ... on the bill and on the check I requested they stop calling me ... .it has n't stopped even though they cashed the check ... ..I want the call to end
I an out of town I 'm a   XXXX   no ATM deposit in  XXXX  current in  XXXX  same thing heading To  XXXX  and I had my daughter deposit trying to avoid bank fees now  Wells Fargo g ave me  XXXX  {$35.00} fees and they are telling me the bank will not allow them to credit my account I 'm a loyal customer too
TransUnion File Number XXXX XX/XX/XXXX XXXX THE XXXX XXXX IS STILL ON MY CREDIT FILE XX/XX/XXXX XXXX XXXX VIA XXXX XXXX XXXX XX/XX/XXXX
I do not agree with XXXX when they reported a bill delinquent on my credit reports. In an effort to get them to remove it I wrote them a letter and sent them a check requesting them to remove it from my credit reports with XXXX, XXXX & XXXX. In the letter it also says if you cash this check the account is now paid in full and you agree with the terms of the letter and they have 15 days to remove the account from the XXXX credit bureaus. They removed the account and then resubmitted to the credit bureaus. They need to correct this immediately. As of XXXX/XXXX/2017 they cashed the check that was sent to them.
I recently had fraud happen to me.  So this topic is very important to me.  I went through my credit scores and finances.  I noticed two debts owed to an "Advanced Collections."  One account was opened in XX/XX/XXXX for XXXX dollars.  The other was opened in XX/XX/XXXX for XXXX dollars.  I then sent a validation letter via certified mail to Advanced Collections. I then waited a few weeks and they sent something back.  I expected something signed saying I owed money and instead they send me no Validation to owing on these these debts.  During this time, said debt is on my credit report, damaging my credit report and influencing decisions on loans, credit cards, insurance, etc.
I feel the repayment plan that was set up for my student loans has been misleading and are structured in a way that causes harm to the borrower. I have been making payments on my student loans for a little over 4.5 years and have not seen any progress. Since 2013 I have paid a total of {$15000.00} however my balance has only decreased by {$3000.00}. I am on an Extended Repayment Plan that will not repaid until 2040+. I will be refinancing my loans with a private company now that my credit is established. The private company has offered nearly the same interest rate with a 15 year term. In addition, my estimated payment will only increase by {$100.00} a month. Had the terms of Navient been similar to the private borrower I would only have approximately 10.5 years left and a substantial decrease in principal balance. The structuring of the Extended Repayment Plan that was recommended by Navient has caused me to potentially stay in debt for over 20 years. This should not be legal because it takes advantage of students that do not have credit established in order to qualify for a private loan with regulated terms.