WillisBack/dataset-financial-user-claim huggingface dataset:
I've trying to contact all three credit agency for the past year, and No response has been provided. 
According to my credit report I have no Late or Negative issues on my credit history, But the credit agency keep saying is I have " Too many installment accounts with a delinquent or derogatory payment status '', but I have none. 
Please help on this matter.
On XX/XX/XXXX I received a letter from Affiliate Asset Solution, LLC collecting a debt for XXXX XXXX XXXX. of XXXX. IPer the Fair Debt Collection Practices Act I wrote a letter asking them to provide proof that XXXX XXXX XXXX XXXX XXXX make an attempt to claim my Health Insurance for services rendered on XX/XX/XXXX. I also request they stop calling until the information is provided. I mailed the letter certified on XX/XX/XXXX. According to the tracking number XXXX XXXX XXXX XXXX XXXX the letter was delivered and sign by Affiliate Asset Solutions LLC on XX/XX/XXXX. <P/>Today, XX/XX/XXXX I received 3 calls from Affiliate Asset Solution LLC even after I requested in writing to stop. I contacted Affiliate Solution and spoke with " XXXX '' which she attempted me to confirm personal information over the phone without providing her last name and employee id number. I gave her the account number and she confirm they " remove '' my phone number of the list so I told her that since she confirmed receiving the letter when can I expect they will provide the information I requested and she stated that they will not provide me with anything until I verify my identity.
XXXX XXXX XXXX ( account # XXXX ) claims I owe them {$160.00} and XXXX XXXX XXXX either sold the debt or contracted with Diversified Consultants XXXX XXXX XXXX, XXXX, FL XXXX to collect such amount. I believe I paid XXXX XXXX XXXX in full and I know I returned all their equipment. Therefore, on XX/XX/XXXX 2017, I disputed and requested a verification of debt via certified mail. Never received such verification or why do they believe I owe them any money. However, Diversified Consultants keeps on listing this collection action in my credit reports. I have copies of my letter, certified mail, and proof of delivery.
Reopening case # XXXX with additional proof. Please see attached the online pdf excerpt of my latest bill, which I sent to the customer service rep ( and which she ignored ). Please see the date stamp and compare to company 's. Claim was that I had a past due amount but my view of my online activity showed none. I sent an email to customer service with this copy and no one replied.
My house payment is due on the 1st of each month with a 15 day grace period. The month of XXXX  2017 my payment will not be made until the 14th. I spoke with an operator on the 7th and told her my payment would be made on the 14th due to the way pay periods fall for me this month. Later that day my wife received a phone call and I received another call when I was on my way home from work. The following day I received two more calls and informed the operator I already spoke with someone about the payment. I received another call on the 9th at XXXX a.m. This is absolutely harassing and I want it stopped. There is no reason for it and my mortgage is not in default and I have not even exceeded the grace period.
Back in XX/XX/XXXX I applied for Income Drive Repayment. I received an email XX/XX/XXXX letting me know based on my income I would be on a Pay as you Earn Plan and my payments would be totaling XXXX. In XX/XX/XXXX I was hit with a bill for XXXX. When I called they assured me that I did not need to make this payment and their supervisor 's were looking into it but they had no idea why that was happening. They took me off direct debit and told me NOT to make the payment. When it still was not resolved in XX/XX/XXXX I called again. This time I asked to talk to a supervisor. The supervisor I talked to basically told me there were two bills in XX/XX/XXXX one for my PAYE amount of XXXX and another large one that made the total over {$800.00} and because I did n't make the payment of XXXX that it was my fault the issue still had n't been resolved! She told me to keep making the payments of my approved PAYE amount but my account still says I am past due and I owe XXXX. On top of my past due amount my account now says I owe XXXX for the month of XX/XX/XXXX. I have no idea where they are getting this number? It is not what I was approved to pay. I have called several times and each time they tell me something different about my loan total. I just want the issue resolved.
I got notice in XX/XX/XXXX of my monthly payment increasing due to an insufficient escrow amount. my escrow analysis shows a payment to an insurance company in XX/XX/XXXX for a policy that was closed ( wind/hail ) due to being added into my new homeowners policy. a gentlemen i spoke with stated that i hadn't submitted a cancellation of that policy so immediately transferred me to the insurance department which i had to hold again for. both the cancellation and new home owners policies were sent to the company on numerous occasions and were acknowledged to be received on two separate occasions by their insurance department. I called on numerous occasions to speak with someone regarding my escrow account and was on hold at least 7 times that I can recall in a 4 week period and still NEVER reached an associate, or reached one and was placed on hold. i spoke with a lady named XXXX on XX/XX/XXXX at extension XXXX and was told that she would be completing an off cycle escrow analysis to reevaluate my payment. XXXX told me that she would be in contact with me by XX/XX/XXXX. i called her on or about XX/XX/XXXX at the extension provided and left a message ( after being on hold for another 30 minutes to reach someone to transfer me ) that as of today, XX/XX/XXXX has still not been returned. i called back XX/XX/XXXX and was on hold 35 minutes prior to speaking with a gentleman that was very rude and stated that they didn't have an off cycle analysis on file for me and that they didn't do them. i tried again to explain my situation and the man told me that he wouldn't argue with me because he was right. i asked to speak with a supervisor and was again placed on hold, at the 5 minute mark ( total of 40 minutes on hold and still no resolution ) i had to disconnect due to a dr appt. i have been unsuccessful in getting in contact with any one that can explain to me why my escrow has increased $ XXXX/month in the 3 years I've had the home ; despite never missing a payment, whole first year paying extra, never once being late with a payment, having a fixed rate, decrease of $ XXXX/year in insurance premiums and not a single cent change in my property taxes. i have been attempting to have someone answer my questions since the receipt of my escrow analysis paperwork at the beginning of XX/XX/XXXX.
In XXXX. 2014 there was several accounts started in my name without my consent. one was with XXXX XXXX {$10000.00} second with XXXX XXXX {$29000.00} third with XXXX {$12000.00} and XXXX XXXX XXXX {$11000.00}
On XX/XX/2017, I verbally authorized a telephone payment of {$630.00} to WELLS FARGO DEALER SERVICES. They withdrew {$930.00} - I did NOT authorize this payment. I have reached out numerous times to them to determine how this could have happened. To date, wells fargo has not responded..
XXXX @ XXXX XXXX. Received a robo-call about possible litigation that was attached to my phone number, and was connected to an agent who identified himself as XXXX XXXX from The XXXX XXXX XXXX. He said that I had an old bank account with XXXX that was opened XX/XX/XXXX and that had been closed for overdraft. I informed him that this couldn't be correct, as I had not had an account with XXXX in XXXX, but I had my identity stolen around that time. I was told that unless I made payment arrangements by XXXX that day, that the case would be going into escalation which would lead to court and being reported to XXXX. I hung up and immediately called XXXX XXXX, and they have been able to confirm for me that the account in question existed, but that it was opened in XX/XX/XXXX, charged off in XX/XX/XXXX, and sold in XX/XX/XXXX. When I called back to The XXXX XXXX XXXX, I spoke with a " manager '' names XXXX XXXX, who informed me that this account wouldn't be considered an identity theft issue due to the length that it was maintained, and again I was threatened that if I did not arrange a payment plan before the XXXX deadline, that this would be going to court and be submitted the XXXX I felt forced to make a payment arrangement or be sued, and I made a {$1.00} retainer on a debit card. They agreed to wait until XX/XX/XXXX to take a {$200.00} payment off the same card, and emailed me a litigation notice. After that, I immediately contacted a lawyer who advised me that it was more than likely a scam, and so to cancel the card. They have now began calling me again, and although I have requested validation of the debt multiple times, they have neglected to provide me with anything, saying that I have been receiving notices about this for years at an old address. However, they claimed to have done a background check on me in order to get current information, but couldn't give me any current information other than my maiden name and phone number. I was contacted on I was contacted on XX/XX/XXXX by XXXX XXXX, at which time he threatened legal action against me. Approximately 2 days later, I received another litigation notice in the mail, dated XX/XX/XXXX. Then on XX/XX/XXXX, I was contacted by a case manager named XXXX about the issue, to which I informed him that I had sent a letter in the mail asking to not be contacted via phone and that i was requesting validation of the debt. I believe this is a scam, and if it is a legitimate debt, that they are trying to collect a XXXX debt.
XXXX XXXX placed an account on my credit report that I neverhear of and Experian never verify that it was valid or with merit credit bureaus cant place bogus collection account on your credit report that is not valid
I have a Synchrony Bank Care Credit account. I had XXXX six-month no-interest promotional accounts and XXXX 24 month low interest account. I made payments for four months that were sufficient to pay off the six-month accounts on time as well as pay the minimum on the 24 month account. However, Synchrony allocated all of the payments to the 24 month interest bearing account. I noticed this in XXXX and spent over a half hour working with a representative who said she had corrected the problem but she never sent me the promised email confirming this. Then, the XXXX statement arrived and no corrections in payment allocation had been made. I spent another half hour today working with a representative to correct the payment allocation so that the promotional purchases would be paid off in time and the accrued interest would not be charged. The representative indicated that this would be reflected in my on-line account within XXXX hours. The fact that this allocation of payments does not happen automatically and that correcting it took an inordinate amount of time makes me think that this is intentional on the part of the credit card company as they then can collect the accrued interest. Most people do not have the time this has taken to resolve. If you have your payments on auto-pay, you might not even notice.
My federal student loan went into default XX/XX/XXXX or something. Progressive Financial Services submitted a form requesting wage garnishment in XX/XX/XXXX. The amount listed under the original request was for {$53000.00}. My loan was for {$40000.00} the {$53000.00} included fee+interest. This collection company has taken over {$73000.00} in garnishment from my wages. My HR department has verified they were paid under the original request. This company has submitted a new request for {$35000.00}. They stated that they will take over {$100000.00} and they will continue to garnish until I stop working because they have the right to collect daily interest and fee 's even though the requested amount from my HR department has been satisfied. I need help. This loan has been paid back twice already and they refuse to stop the garnishments.
XXXX XXXX XXXX deposited around {$400.00} into my account as a payday loan. They took out 2 payments or so from my bank which exceeded the amount that was borrowed. XXXX continued to try and take money from my bank account even after the loan was paid off because they were trying to charge extreme interest fees. I informed them that it was illegal in California and that I paid the loan in full. Now over 5 years later, I checked my credit report and see a collection account from Midwest Recovery Systems for {$780.00}. I called them to ask what is was regarding and they informed me that it was for a payday loan and they reminded me that I made 2 payments. I informed them what XXXX XXXX XXXX was trying to do is illegal in California and by their own admission I had made 2 payments on a {$400.00} loan and that is was paid off. They are still dinging my credit report over and over.
I own a XXXX company, I built a XXXX at a Local Mall, last winter, they owe me a large amount of money and refuse to pay, I am now taking the client to court, this has financially drained me. I had a XXXX XXXX, was hospitalize, and for some reason the insurance did n't cover 100 %, so it went to collections. This collection agency, calls every week to either my wife or myself, making harassing remarks such as they will seize our property or assets. I told the collection person XXXX, we will pay this debt as soon as we reach a settlement concerning my Mechanical Lien towards the XXXX I built. Right now, there is a hold on my bank account by the XXXX for XXXX XXXX XXXX Taxes that are owed, so it is essential I follow through pursuing getting my monies owed to me. Because my client refuses to pay me I have properly through my XXXX, will be foreclosing their XXXX holdings.
i received numerous calls today from a " XXXX XXXX collection agency '' today XX/XX/XXXX, several calls throughout the day They stated that I owe an outstanding debt from XXXX or XXXX. That I had made payments from XXXX through XXXX every month faithfully then this debt supposedly went on my credit report in XXXX - XXXX because I had stopped paying the alleged debt. THEN the girl I spoke to began threatening me with wage garnishment and vehicle seizures if I didn't pay this debt. She said I had until XXXX XXXX tonight to make arrangements. Either half of the debt which was {$1500.00} or $ XXXX monthly until it is paid in full. I had a chase account but it was closed in XXXX IN GOOD STANDING. This supposed debt has never been on my credit report. My concern is they have all my personal information and even told me which vehicles I drive and that they would seize them because of this debt. They also called my wife and threatened to garnish my wages and/or seize my vehicle.
I bank with Chase, my employer also banks with Chase. Every pay period they manage to place a hold on my paycheck regardless of the fact that my check comes from their account and they are able to tell if funds are available ( in which our company has never had a problem ) I call almost every other week to ask to remove the hold and they promptly do and also advised that I will never receive an overdraft fee if they have placed a hold on my check as it is a result of them. Well this week they decide to reorder the way my transactions took place ( I check my account every morning ) the lower transaction was in place that morning and later in the afternoon I personally made another transaction that should n't have taken place until the following day but it did n't. I received a text a XXXX that night notifying me that my account was negative. Reality is that was my fault, I 'll take it, but what is n't is the following day the charges are reordered and I now have received a fee for the {$12.00} charge ( which was covered ) and the {$210.00} charge ( I earned that fee ) but what has really gotten me upset is that they also gave me a fee on the XX/XX/XXXX for a charge when I deposited my paycheck ( from a chase account ) in which the placed a 24 hour hold on ( which did n't bother me at the time cause I was told by a chase representative I would NEVER receive a fee for a hold placed by them ). This is now becoming excessive. I take care of a family of XXXX and do my very best to balance my money that I actually earned, and here is some bank that comes in and can take it whenever they find ways to ever so easily cheat hard working people out of the money they ACTUALLY work for. For years now the Federal Agencies have come down on the unfair practices in the mortgage industry but I 'm quite certain if maybe the FTC gave a real good look into the un-fudged records of the many banking customers they would find a plethora of unjustified fees we have been charged and we have no one here backing us up and making sure we get treated fair and just. So in the matter of 48 hours Chase bank has taken {$68.00} of {$100.00} that is unjustified and they have found a way to manipulate the system to work in their behalf and there is no real way I can fight this. I have been with this institution since XX/XX/2011 and have dealt with several fees and I will gladly swallow the ones I have earned. But I have a real big problem accepting the ones I did not. Sure I could move to another bank and close this account but the reality is all financial institutions practice the same slimy way so nothing is actually being solved.
I was told when I started the program at XXXX that they 'd cover all tuition with low interest federal loans. Then half way through they told me my options ran out and I had to leave the program or take these private loans. I declined. They said they 'd work with lenders to get me grants that would not need to be repaid. So I stayed in school, then at the end they told me they never got the grants and instead got me loans, at a rate of XXXX % through Navient. When I got my first bill it was XXXX % and XXXX %. I tried for years to work with them but their minimum payments were ridiculously high. Now they are suing me and taking me to court.
I am a chase bank and credit card holder member. I am trying to close my Chase Sapphire Reserve credit card without paying next year 's annual fee of {$450.00}. The bank has closed my account but refuses to remove the annual fee ( for the upcoming year ) and expects me to pay it in full to then have it credited to me in 1 or 2 billing cycles. I have notified Chase of my desire to close the account within 30 days of the annual fee being posted on the account. The card service user agreement does not specify this particular section and does not state that the annual fee would be credited in 1 or 2 billing cycles upon closing the account within 30 days.

It is customary for banks and credit cards to not charge the annual fee upon closing the account within the first 30 days.

I do n't want to pay the fee to then have it refunded for a credit card I will not be using and I do n't want to pay interest rate on a charge that will be refunded. This is unreasonable. I have already paid Chase the outstanding charges ( less than {$20.00} ) for the last open statement.
I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. Experian failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track  record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from XXXX, Experian, and XXXX. 

XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX/XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX
I traded a vehicle with XXXX XXXX back in early XX/XX/XXXX and it took over 2 months for then to payoff the vehicle with Capital One causing my credit report to reflect my account being 3 payments late and a drop in my credit score.
I was manipulated into sending {$580.00} to a company that promised me a loan in the amount of {$5000.00}. They are refusing to deposit the loan and/or refund the {$580.00} I sent them to obtain the loan. I was scammed out of almost {$600.00}.
Multiple calls every day even though I advised them that I am not going to provide personal information over the phone because I do not even know who they are. They keep trying to verify my address and date of birth. I get numerous calls back to back. All hours of the day, while I 'm working, on weekends, etc.
On XX/XX/2019, I contacted the Southern Finance in XXXX SC in regards to harassing phone calls to my phone, my husbands phone and to the reference on mine and my husbands accounts with them. Also, they spoke with my mother in regards to my and my husbands information about the accounts there. The manager XXXX acted as if she didnt care about my complaint and so I got the home office # and left a message with a receptionist for there supervisor to call me, so about 30 mins maybe he calls me, I told him my concerns and told him that I know these things are illegal and he acted as if all he was concerned with is when we where gon na pay the bills, not about us as his customers or my concern at all, so I told him I would be contacting the XXXX XXXX XXXX about this matter, he got made and told me he would see me in court and hung up.
I had originally had XXXX Federal student loans. XXXX was handled by Navient and the other was handled by XXXX. I received a flyer in the mail stating that I can consolidate my Federal student loans with a lower interest rate. I carefully read the flyer to make sure there were n't any secret information included in the small print. Once I determined that I could definitely consolidate my student loans, I moved forward with applying. I then found, after I was approved, that the new loan was being handled by Navient and it had changed from a Federal student loan to a Non-Federal Private student loan. I felt like I had been misguided and trapped into a new private loan. I did not have a job to start paying on my loans and had to pay {$50.00} to defer my payment. I was also informed that I would only be able to defer my payment 3 times for the lifetime of the loans, paying a {$50.00} fee each time I deferred. I asked if there were options for me to lower my payments, and was told I had exceeded all of my options and was no longer eligible for any type of repayment plan. 

I really felt as though I was being set up for failure. As my interest rate had doubled my loan amount, I am still unable to repay my loan. I feel that I was lied to and tricked into changing my loan type from Federal to Private without any indication that this would be happening.