WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax continues to avoid a serious issue i am having with an inaccurately reported account. They continually delete and reinsert even more inaccurate information and send it to my home pretending they have " updated '' and " investigated '' and received those conclusions but they are playing games with my credit report and my FICO score and most importantly with my emotions! XXXX is not reporting correctly an every time i correspond with them they keep sending me the same ridiculous letter saying it was " VERIFIED AS MINE ' and i keep telling them that its not the verification i am asking you to correct or investigate, it is your inaccurate reporting of the status and payment history in this account! Equifax is the only bureau that keeps changing things around and making this account worse on my life. Firstly, they were reporting this as derogatory with NO indications as to why so i disputed it asking why this account was in the derogatory section of my file and then they added on a 120 day LATE status to it. This account has NEVER been late, it was paid in full in XXXX the same month it was transferd as an overpayment from my student loan without my consent. Then i disputed the 120 day late because they blocked me from obtaining a home and applying for a mortgage and for months they avoided me and kept sending me ridiculous letters that its accurate. Then about a month ago i complained through the CFPB and they deleted the 120 days late and made it a collection. WHAT on earth is Equifax doing? This is ruining my life. I have never been on collection my entire life and they can not delete information and add information without listening to me and i even asked them for a method of how this was validated since XXXX and they have provided me with absolutely nothing and absolutely no proof that anyone has investigated this for me. Equifax simply sent me the same ridiculous letter and told me to contact whatever number i saw corresponding to the account, i called the number and it was the WRONG department and NOBODY could help me! This account needs to be deleted once and for all, i have already discussed my case with an attorney, i have LOST a mortgage on my dream home for my family, I have lost soooo much money on this inaccurate reporting an Equifax continues to play games with me and my report! They should be banished from the financial world, shame on them!
In XX/XX/XXXX, contacted XXXX to transfer TV and Internet service from XXXX XXXX, XXXX  to XXXX, XXXX pursuant to a move. The XXXX XXXX provided me with a confirmation number ( XXXX ) for cancellation of the XXXX XXXX  account and confirmation number ( XXXX ) for new service in XXXX, XXXX. 

It seems the XXXX XXXX account was not closed and so I had 2 XXXX accounts then, XXXX reported a delinquency to the credit reporting bureaus. In the interest of preserving my credit, I paid the amount billed ; however, XXXX continues to report " XXXX  '' for months of XX/XX/XXXX and XX/XX/XXXX.
I have been in repayment now for about 17 months or more. I have tried calling to keep up with payments when I am switching jobs, when I am out of a job, or anything in between. I do n't know what kind of company Discover Student Loans or training they are running. But, I have, on several different occasions been told one thing, and then hear the opposite when I call in. The only consolation is, I am sorry you were given band information. This does not help my credit score or history. They have made so many mistakes in fact, that there have been multiple periods of time when I have dealt strictly with supervisors b/c representatives were either wrong or lying.
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Discover Student Loans has also on several different occasions, promised me that because I had called in to set up a payment plan with them, they would not bother my cosigners. They would " put a note on my account to not contact my cosigners '' this has been false every single time and alarmed three different people for no reason when I have set up a payment plan with an agent. What is the point of alarming the cosigners when you have a recording and a written reference ticket for a payment plan I clearly agreed to and authorized?
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I am someone who pays close attention to my credit score and I do not make a late payments, even if this means I do not eat. So, when I took a XXXX pay cut for a job that would help me move up in the XXXX world, I was advised by agents that if I make one full payment within 60 days that it will not be reported to credit. I unfortunately took this advice. This was false also. Not only did it affect my credit, but it also affected my cosigners. So much so, in fact, that one of my cosginers are unable to buy a house with a growing family. And it turns out, they did some digging and it was because of my loans.
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Unfortunately for me, I can not utilize Discover 's cosigner release option b/c you have to make on time payments for 24 months to do so. Again, their agent did not specify to me that forbearance would cancel out however many months of on time payments I had made and restart the clock. If I had known this, I would never have applied for forbearance. In addition to this, no consolidation service is willing to work with me. I have tried at least 5, including my own bank. Discover also has a consolidation option which I can not use, I am not sure what the point of that service is if your own customers can not use it. I am out of options and I do not make enough to pay out XXXX dollars immediately. So, Discover agents and supervisors giving out incorrect information about what does and does not affect a consumer 's credit need to be held responsible. Moreover, the continued harassment of cosigners when they know I am about to make a payment in a matter of days or even hours, needs to stop.
In XX/XX/XXXX my XXXX XXXX XXXX mortgage was sold to Carrington Mortgage with minimal notice. Upon transferring the mortgage that was in good standing and finally receiving the papers from Carrington Mortgage my loan was immediately anylized by their escrow department and my payment was raised. I called Carrington Mortgage and was told that the reason for the additional charges were because they placed an escrow coushion of the most charges allowable by law. I requested they remove it stating that XXXX XXXX XXXX did this every year but immediately removed it when asked. Carrington Mortgage  refused. Every month since then I have been repeatedly badgered with phone call after phone call every single month. 3-4 or more times per day every day shortly after the XXXX of each month. According to my loan documents my payment becomes due on the first but has a grace period of 15 days and that said, my mortgage is paid every month between the XXXX and before the XXXX. In XX/XX/XXXX, I received a paper in my statement saying that unless I set up automatic payment I would be charge for online payments or phone payments and as much as {$20.00} for a representative to process a payment. I initially set up auto pay and called several times to check to see if it was activated and it never was. On XX/XX/XXXX I spoke to a representative on the phone and it still was not set up. I voiced my concern and dissatisfaction about the whole forced auto pay situation and she told me that since I live in North Carolina I was exempt and they could not leagally charge me for a payment that I made online myself. I told her that it was never disclosed or explained to me in any of the previous calls I made and she said that they are not supposed to tell people that. Now I am being bumbarded with calls. Tonight XXXX I answered and the representative asked me a series of questions including asking if we still hold keys to and occupy the property. Again I have until the XXXX to pay my mortgage so I asked why he was asking the questions. He said my mortgage was late and I had to pay it with him over the phone. I told him that he could check the history that my payment have never been late and I already had the payment set up on line. He was extremely condescending and said do you know when your mortgage is do? I said of course I do and he said when? I said it it do the first and I have till the XXXX the to pay and have always paid b4 the XXXX he just kept repeating due when over and over. I told him that I was tired of the constant phone calls and badgering and I did not want them calling me again and that I had stated that already and hung up. I was so furious and insulted. The commission should XXXX the company and read the nightmare of reviews from hundreds of people that have had the same experience as myself. All from people who had no choice but to deal with Carrington because their loans were sold by XXXX XXXX XXXX and Other Banks. This company should be shut down!
I have a debt on my credit report with XXXX Mortgage, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX Mortgage last year and removed, XXXX XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.
I am writing a complaint on the phone number  XXXX 
" Wells Fargo Debt Collections '' They are calling for a   XXXX   XXXX   using the phone number  XXXX 
I started receiving phone calls from the company in   XXXX   XXXX    at    XXXX   XXXX   leaving me a message for a   XXXX   XXXX  . I called the number back and told them the phone number no longer belongs to whomever and to please stop calling me.
I received a second phone call   XXXX    XXXX    with another voicemail for   XXXX   XXXX   . I again called them and asked them to stop calling me.
I received a third call   XXXX     XXXX   with another voicemail fo  XXXX   XXXX   XXXX   . This time with a direct callback number of "  XXXX . I called the number and stated I am tired of them calling my phone for   XXXX   XXXX  . This is harassment and against the FDCPA Laws. They stated they took my number out of there system and I should not be receiving anymore phone calls.
I received a fourth call   XXXX    XXXX  from a  XXXX  direct call back number of  XXXX  for a   XXXX   XXXX   .
I received a fifth call  X/X/2017   XXXX  from a   XXXX    Call back number    XXXX   for a   XXXX   XXXX   .
I call the   XXXX    number on break here at work at    XXXX   XXXX   and notify a  XXXX  that I am not   XXXX   XXXX   and I am tired of these phone calls.
This Wells Fargo account does not belong to me. I do not know a   XXXX   XXXX   I received this phone number when joining   XXXX   XXXX   XXXX   phone plan with my husband. I am sick of this harassment and would like something done about this.
  Thank you
My Citi Prepaid card XXXX expired on XX/XX/2014. It had a balance on it that Citi Prepaid ( 3rd party contracted by Citibank ) refuses to reissue. Per CFPB, the balance is valid for 5 years even if the card expires. I spoke to XXXX, rep number XXXX who despite being informed of the CFPB guidance refused to comply and refused to reissue the card or the amount. I feel cheated out of my money.
XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I have disputed the late payments on XXXX XXXX   XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX   XXXX accountsfor months. The credit bureaus never reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please this has hurt my credibility..
it was a work related incident where I worked for a company XXXX and some wires where pulled down and the work place and the electric company wherein dispute as to who 's financial responsibility it was. the electric company wasnot getting results and decided to bill me personally. an XXXX bill. which wedid not pay and it was sent to collections. we sent it to the work lawyers and they said they would take care of it. it was paid a XXXX which I was unaware of tillnow when I applied for a mortgage.
Some one used my personal information for receiving AUTO INSUARENCE XXXX XXXX I received letter from colllection for {$930.00} I was trying to resolve this matter with XXXX directly but Still no response. 
I 've filed complaint with FEDE RAL TRADE COMMISION Report number:XXXX
I paid my bill in full of {$2000.00} on XXXX 2016 by deducting from checking account that included any and all purchases, cash advances in advance. DISCOVER took all payments and processed timely. The acceptance of payments and processing is [ willful agreement ] sufficient and substantiates remittance in full by DISCOVER closing my account after receipt of payments. 

DISCOVER repeatedly and persistently engaging or intentionally in harassing, harassment or harassing behavior against me to date. The communicating through electronic emails [ automated ], phone calls, third party collection agencies and or Reporting false or misleading information, to Consumer reporting agencies outdated and negative or erroneous information about previous business transactions IS CUURENT is " gross fabrication. These and other insidious and unfair business practices is retaliatory action and discriminatory in its applications.DISCOVER repeatedly and persistently engaging or intentionally in harassing, harassment or harassing behavior against me to date by automating system for collection in violation of my constitutional and fundamental rights.
I was contacted by Stuart-Lippman & Associates, INC who is a debt collection agency on behalf of XXXX XXXX XXXX regarding a auto insurance claim. I was in an accident on XX/XX/XXXX with someone in which I rear ended his car. I was contacted XX/XX/XXXX saying that I owed {$13000.00}. Mind you we had never received direct correspondence or a bill from XXXX in regards to an amount owed to their insured. In XXXX, we also found out that Stuart-Lippman and Associates sent a bill to the DMV ( which they never sent to us to suspend my license until I paid them {$13000.00}. ) They never even sent a bill to even give me the opportunity to pay. We sent three notarized certified letters as well as an affidavit of truth requesting a breakdown of the how they calculated the amount, paperwork and proof they are actual representatives of XXXX, validation of the debt pursuant to Fair Debt Collection Practices Act 15 USC 1692g Sec.807 ( 2A ), what the money they say we owe is for, a copy of the check paid to insured XXXX XXXX XXXX XXXX XXXX , proof that they are licensed to collect in the state of Louisiana , and proof of their agreement to collect on behalf of XXXX . Stuart-Lippman and Associates has failed for over 6 months to produce a any of the above evidence, validation, or any other substantive documentation requested. They have failed to substantiate their claim with proof or validation. Furthermore, they submitted a claim to the Office of Motor Vehicles- Louisiana Department of Public Safety and Correction Driver Management Division without validation OR proof of claim or even a judgement. They refuse to send an itemized bill. 
We are disputing the amount they claim is owed. 

I consider this an attempt to illegally defraud me both through the mail and is ground for a lawsuit. 

We have included the police report. We recently contacted XXXX XXXX to receive a letter of the actual damages. XXXX XXXX confirmed that the ESTIMATE OF RECORD AMOUNT FOR DAMAGES IS ONLY {$5600.00}. This company is fraudulently trying to extort more money than is actually owed by trying to bullying me into agreeing to a payoff amount that is not actually owed. In the meantime, they have contacted the Department of Public Safety to suspend my license. So they are trying to make us agree to their {$13000.00} or my license is suspended forever. We sent a letter on XX/XX/XXXX saying the following : I only agree to repay the reimbursement amount that is consistent with what your letter to the Louisiana Department of Public Safety Driver Management Unit and the Louisiana Department of Motor Vehicles which is the net cost of repairs {$5600.00} + {$650.00} of additional costs which the net total is {$6300.00}. They totaled their clients car. The estimate of record is {$5600.00}. The amount they recouped from the auction was {$1500.00} which means XXXX only paid out {$4100.00} which is no where near {$13000.00}. 

In XX/XX/XXXX, all of a sudden they sent a remittance from XXXX XXXX for a bill in the amount of {$1500.00} insinuating that the sold and salvaged the car instead of repairing. We confirmed on XXXX come that it was indeed salvaged. None of this adds up to {$13000.00}.
Pulled my annual credit report and show this collection agency is reporting me for a XXXX great adventure account. I never authorized any XXXX account. I called this agency asking for proof, the collection rep laughed at me and put me on hold for a half an hour. This is ridiculous.
Wells Fargo opened unnecessary accounts in my name and I believe it impacted my credit score resulting in a higher interest rate on a new mortgage as well as twice refinancing a different mortgage with them. As a result, I am paying more on my mortgage than I would have paid with the higher Credit score.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX  C  onsolidated Recovery Systems    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , TN  XXXX  This company has filed multiple false reports to my credit files under different names. The do use the name above and at times they use the Name Revenue Assurance Professionals, and sometimes they use the name  Consolidated recovery Group , LLC. This company refuses to abide by th e FCRA and will not remove false information under all the names that they have submitted reports unders. Attached is a document filed in   XX/XX/XXXX     and the false information is still showing on my credit reports under the first  XXXX  names listed : Date   XX/XX/XXXX     Consolidated Recovery Systems   XXXX   XXXX    XXXX   XXXX , TN  XXXX  RE : Account Number  XXXX  Consolidated Recovery Systems is hereby notified under the provisions of public la w 95-109, Section 805-c. Th e Fair Debt Collection Practices Act, to hereby CEASE AND DESIST in any and all attempts to contact me  XXXX   XXXX  concerning the above debt.   This letter is your legal notice under the above-mentioned FEDERAL LAW that regulates the activities of collection agencies and their legal representatives. The failure to CEASE AND DESIST as directed in this letter will result in charges being filed against Consolidated Recovery Systems with both state and federal regulatory agencies empowered with enforcement of the above-mentioned federal law.     Consolidated Recovery Systems is further warned that NO DEROGATORY information is to be placed on any credit report and any information on any such report placed by Consolidated Recovery Systems is to be immediately deleted after receipt of this certified notice, or charges will be file through my attorney against Consolidated Recovery Systems.     It is my firm decision not to recognize or work with Consolidated Recovery Systems concerning this matter. I have no debt with Consolidated Recovery Systems.
I received a call from a  XXXX   XXXX  at the number  XXXX   XXXX   XXXX   XXXX  asking for personal information such as my social security number for loan forgiveness programs. After already giving him access to my  XXXX  account, I abruptly ended the call once he asked for my social security number. I am now worried that they have access to my account, even after I changed my password. This happened today,  XXXX / XXXX / 2017 .
I was a student at XXXX XXXX XXXX XXXX  the fall of XX/XX/XXXX. I arrived on campus XX/XX/XXXX. During that time, I do not recall applying for a loan. Also during that time my wallet was stolen with some of my valuable information in it. I left campus going home on XX/XX/XXXX. Navient is telling me that I owe for a loan I applied for and when asked for the paperwork to back it up no one ever sends it to me. Please help me because they're constantly calling and sending letters but not with the information requested.
Synchrony Credit / Sams Club card : I continue to pay my bill, at least the minimum amount due each month if not more, but the total interest charges and my balance continue to rise, even when I have not made additional purchases for at least 2 months. Furthermore, I am concerned that I am being double billed interest, as my " Balance Subject to Interest '', includes interest that was previously billed on my account, and is not solely comprised of purchases. This is what I have been told by their chat rep ( which the log disappeared once I told him he did NOT answer my question - XXXX specifically said that although I paid more than my minimum payment in XXXX, it was not enough to cover all interest and principal due at that time, and was not enough to decrease the balance or the interest that would bill the following month ), and phone rep ( who unprofessionally hung up on me after I asked for an easy to understand explanation of interest charged billed on my account ). I understand how interest is calculated, but I would like to know : 1 ) The exact calculation used for my account. 2 ) Why new interest is being billed on old interest by including it in the balance subject to interest? 3 ) Why paying more than the minimum amount due, still results in a higher balance, where is the additional money going? This is unfair that I 'm paying more than I 'm being billed and no longer making purchases, just for the bill to go up month after month. It appears this is being done purposely to collect more money from me ( if not all their customers ) over a long period of time, since my bill clearly states it will I will have paid $ XXXX if I only pay the minimum payment ( which I could see that happening if I 'm paying interest on interest ).
On XX/XX/XXXX I spoke to XXXX FROM XXXX RELATIONS ABOUT MY XXXX ACCOUNT WHEN IT WAS STILL ACTIVE DUE TO FALSE CHARGES OF XXXX EQUIPEMENT THAT had not been returned according to XXXX XXXX AND I EMAILED BACK AND FORTH TRACKING NUMBERS OF DEVICES THAT WERE SENT BACK AND RECIEVED BY XXXX WERE EMAILED TO XXXX, SHE APPROVED AND APPLIED CREDITS AFTER SEVERAL EMAIL AND PHONE CALL ATTEMPTS OF MYSELF TRYING TO GET XXXX OF XXXX. XXXX FINALLY SENT AN EMAIL BACK ON XX/XX/XXXX STATING CREDITS WERE APPLIED AND I was AT A {$0.00} BLANCE AND WOULD RECIEVE MY FINAL STATEMENT FROM XXXX. IN XXXX I RECEIVE A FINAL BILL TO A FORWARDED ADDRESS CONFIRMING ADJUSTMENTS ... MONTHS LATER RECIEVED A COLLECTIONS NOTIFICATION STATING ACCOUNT WAS PAST DUE ( DUE TO CREDITS FALLING OFF ) CONTACTED XXXX AGAIN DISPUTED EVERYHING THEY AGRRED TO REMOVE ALSO COLLECTIONS AGENCY AT THAT TIME AGREED TO REMOVE SINCE INCCORECT AMOUNT WAS REPORTED AND NOT OWED DUE TO EMAIL VALIDATION AND TRACKING NUMBERS AND INVESTIGATION.
I have a credit card with Citi ( AT & T Universal card ) that has XXXX balances with XXXX interest rates on it. A standard purchase, which is 20-ish %, and then XXXX smaller balances, which are 4.9 % and 3.9 % respectively, until paid in full. During an online chat last evening, I inquired how payments were being applied and was told that they were first applied to interest ( and any applicable late fees ), THEN to the balance with the SMALLEST interest rate, and then any additional ( above/beyond the minimum payment ) is applied to the balance with the highest interest rate. However, every place I look online, I read that payments must first be applied to the interest/fees, and then any remaining goes to the balance with the highest interest rate. That clearly is n't happening in this case.