WillisBack/dataset-financial-user-claim huggingface dataset:
I was promised numerous times by representives from XXXX XXXX that they would remove XXXX XXXX from my credit reports because I never received or ordered any items from XXXX XXXX I have been promised XXXX XXXX  would remove this since XX/XX/XXXX and it is yet to be removed
On XXXX/XXXX/XXXX I went to XXXX XXXX because I needed a reliable car. I spent approximately 6 hours at the dealership that day, at one point leaving to pick up my XXXX XXXX XXXX at preschool and returning. I still had not seen the XXXX XXXX XXXX that I was informed would be the only car I would qualify for. At 7 pm, desperate to get out of there, go home and fee myself and my son, I was told the paperwork was ready to sign and I would be on my way. I had no idea what I was getting into, who the loan was through or even what the car looked like!! I felt like i had no other options at this point so I signed the papers and went out to see the car I had just agreed to pay $ XXXX for 48 months@29.9 % interest rate. I was sick to discover this car was going to need new tires among many other things. I felt like there was nothing I could do so I did my best to make the payments but it was impossible. On XXXX/XXXX/XXXX I contacted Credit Acceptance to explain what was going on and try to get lower payments by removing some of the add on packages that are very unnecessary. Unfortunately, instead of being able to do anything I intended, the woman was extremely rude and wanted to know where I was, where the car is at, what times I leave because they 're looking to take my car. I was told that if I could not come up with over {$800.00}, my car would be gone. She then suggested I borrow the money. I have no one to borrow money from so she said I needed to come up with at least {$410.00} by the end of the day. I ended up overdrawing my account to avoid my car being taken away while I was grocery shopping. I was transferred to another woman who wanted to withdraw another {$410.00} in 3 days. my requests to lower the payments, remove packages or anything to help make the payment affordable were just flat out ignored, not even acknowledged. They are completely unwilling to hear why I am unable to pay an outrageous amount for a car that is not even close to being worth that. They want to repossess the car and that is it. I want to keep the car, pay for it and improve my credit but this company is definitely not helping with that in any way at all.
I recently paid XXXX of my maximum credit card balance through Bank of America posted to my account on XXXX/XXXX/XXXX. The funds were directly deposited from my " XXXX Bank account '' through an electronic ACH transaction. According to " Regulation CC '' set forth by Federal reserve under the " Expedited funds availability act '' of XXXX. XXXX Funds should have been available on the " same day '' of the transaction. I attempted a credit card transaction on XXXX/XXXX/XXXX, XXXX business days later & the card was declined. Upon contacting BOA on the issue I was " continuously '' lied to about the funds lack of availability. A BOA credit card annalist stated that they only had to post the deposit to my account in order to be in compliance with the regulation. He indicated the bank had a right to place a Hold on my account for XXXX10 days for fraud analysis, " REALLY '' in a commercial electronic ACH Bank to Bank transaction. Not withstanding this " deplorable '' action prevented me from caring out important time sensitive financial transactions. BOA has long standing reputation for deceiving their customers, for " wind fall profits '' based on a long standing pattern of funds manipulation. " & unwarranted charges on customer accounts. This Pattern of behavior warrants an investigation of the Banks practices with all the appropriate fines and penalties..
I submitted this to the CFPB about 6 months ago. Case No. XXXX. As a result the debt collection company, Meade & Associates, responded that the original alleged creditor had " requested that the account be closed '' because it was " sent in error. " Now Meade & Associates are sending me threatening letters again demanding payment for this same account even though I sent Meade copies of their correspondence to me closing the account.
My complaint is against Financial Data Systems. This is my 4th or 5th complaint. 1st let me explain they have been removed from my credit report before, with the same amount owe, but still seems to pop back up on my credit reports which is illegal. The last complaints I filed through CFPB, the Company stated they had advised the Credit Bureau to remove this from my file. This company does not have the right to collect on a debt medicaid has already paid for. This again is illegal.
Company keeps calling stating there is fraudulent activity with my bank account and social and they are leaving messages repeatedly and saying they are accepting the message as knowledge that I received notification and will be taking further action against me and then states Good luck last message stated it was from a XXXX XXXX. I called them back and asked for their address so I could contact a lawyer due to harassment they said they were not entitled to give me there address that that information was none of my business and that they would be filing criminal charges against me for asking and for harassing them and they hung up on me. Ive been told in the past this is in relation to a payday loan of which Ive never applied for ... .I live in a WV which is a state that does not allow payday loans so it would be impossible for me to have one.
XXXX I received a letter from XXXX stating that I should expect to receive a PSLF tracking statement sometime after 90 days. 
XXXX I had not received my tracking statement. I called XXXX to ask about it and was told I should get it within the month. 
XXXX I had not received my tracking statement. I called XXXX was told that I should expect it in 5 months. I was verbally told that 44 of my payments would qualify for PSLF and that there were 24 payments that XXXX wasn't sure about. I was concerned about the 24 uncertain payments, but without my tracking statement, it was hard to have a discussion about them. 
XXXX I had not received my tracking statement. I called XXXX and was told that I should receive it in 10 days. 
XXXX I had not received my tracking statement. I called XXXX was told that my statement was still being processed and that XXXX could provide no timeline for completing it. I was verbally told that at least 5 of my payments would not count because they were in " paid ahead status '' and that they would need to be " manually reviewed '' taking 6 months to a year. I had never heard of paid ahead status and was deeply concerned and confused. 
XXXX After doing some research about paid ahead status, I called XXXX back. I was verbally given even more confusing information about which payments do and do not count toward my PSLF due to paid ahead status. I requested that all of the previous paid ahead statuses be fixed ( I knew I had never under-paid ). I was told that no future payments would be marked as paid ahead and that the previous payments would be fixed by XX/XX/XXXX. I again requested my PSLF tracking statement. I was told I could expect to receive it in 7-10 business days. 
XXXX I went to pay my loans and discovered that I had again been put in paid ahead status. 
XXXX I called XXXX. I was again told that paid ahead status would be permanently removed from future payments and that all previous paid ahead payments would be fixed. 
XXXX I have not received my PSLF tracking statement. I have not received any notice that previous paid ahead status payments have been fixed. Frustrated by my inability to get results from XXXX, I am submitting a CFPB complaint.
Debt is not owed and is showing up on my credit report using an address that I have never lived at.
Equifax is still reporting refuse to delete from credit report even though XXXX and XXXX is no longer reporting. XXXX XXXX is reporting as a chargeoff but we are in a settlement the wording should be changed to paying as agreed, I received a letter from them in XX/XX/XXXXstating that they were reporting the account incorrectly and that they would remove the account, now they are saying I had two accounts with the same last 4 account numbers which makes no sense.
I 've attached file from XX/XX/XXXX credit report
On XX/XX/XXXX, I wrote a letter to all three bureaus, asking them to investigate mistakes on my credit report. To date, only XXXX XXXX has responded. I still haven't received anything from Equifax or XXXX, despite writing 2 follow-up letters.
Navient increased my monthly repayment fees due to a change in interest rates. Navient notified me via written mail ( postmarked XX/XX/2017 ) AFTER the initial increased payment was already due ( increased payment due date : XX/XX/2017 ). Because of this delay in notification, my payment of that month 's bill was marked as late. I was incredibly confused because the Navient account website shows the payment as being made, but as insufficient for the owed amount. This is incredible unprofessional and I now have a late payment marked on my credit because of Navient 's inability to notify me of a change in terms in a timely manner. This also comes after my request to decrease my payments due to loss of employment and large medical bills. Navient granted the lower Income Based Repayment Plan payments on paper, but never lowered the payment request in written bills or in my online account. This is absolutely outrageous and there is no way to reprimand Navient for their awful service.
Starting with phone conversation the representative was n't truthful. I was told payment could be Scheduled on line free of charge. This is not true they charge you for paying on line. I thought I was doing business with New Day Financial as I was told. Then a few weeks after closing I received a check for $ 1500.00+ & change from my home owners insurance company I called them to ask why they informed me insurance had been paid two times. I called mortgage company they said they did n't know anything about it. I put check in bank & saved it in a couple of months I got statement from a loan servicing company That New Day turned me over to but say still is New Day. They informed me I owed {$1700.00} or payment would go from {$800.00} to {$960.00} per month. I asked when I only got {$1500.00} check why did I now owe {$1700.00} they said that 's way they operate. Now my payment went from {$800.00} to {$820.00} per month! In my opnion I 'm being taken advantage of. 
My loan is VA & I 'm in my XXXX do n't have lot of money to fight these people with so I 'm hoping since it is a VA loan I can get government help. I feel these are the most dishonest people in the business. 
Thank you in advance for any & all help you can do.
I checked my credit report and saw that there is a judgement against me. The reference number is XXXX. I DO NOT have contract with Cavalry Portfolio Services LLC. I DO NOT know who they are. I have never received a letter to go to court. My lawyer was never notified and I was never summons to go to court. I was denied credit because of this public judgement. They have never given me the chance to fight it and just placed it on my credit report. Moreover, my credit report is not showing any dates at all. 
Reference Number XXXX Court Circuit Court Date Contact details provided is : XXXX XXXX, GA XXXX XXXX -- Status Filed Amount {$2100.00} Classification Legal Item Type legalitems
To whom  it may c oncerns, I am writing regarding a few accounts that have been on my credit report with   XXXX    for more than 7 years. I have contacted  XXXX  many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but  XXXX  has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to  XXXX  and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against  XXXX  because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts :  XXXX   XXXX  : Account #  XXXX   XXXX   XXXX  : Account #  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX    XXXX   XXXX   XXXX   :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ).     I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX  Thank you
My name is XXXX XXXX and since 2004 I have been paying {$190.00} per month on a loan amount of {$10000.00} to, XXXX XXXX, but now to Springleaf Financial. 

My Annual Percentage Rate ( APR ) is 15.99 %. My Account # XXXX presently only allows me to make an ACH loan repayment monthly in the amount of {$190.00} on the XXXX of each month from my XXXX XXXX XXXX XXXX XXXX XXXX checking account. Now I have been informed by Springleaf Financial that my : * Credit Limit is $ 0.00* Available Credit is {$0.00}. 

When I originally set up this loan, I was provided checks to write against my " Available Credit '' and make purchases accordingly. Up until Fall 2014 that was still the case. Now I am not able to write any checks or requests any monies against my " Credit Line ''. I was told by a Springleaf Representative that this was caused by my poor credit rating and my inability to make minimum payments to my other credit cards in which I have gotten behind on, by not making timely payments. 

My complaint is that I have made on time monthly loan repayments to Springleaf Financial over the years and that I should not be penalized by Springleaf for my inconsistent credit card payments with other companies. 

Also, if I do not have a credit line that I may access and I am not allowed to re-negotiate the terms of my loan, then I asking CFPB to give me some guidance and a way-forward out of this non-benificial loan for me.
I have new issues with respect to a previously submitted complaint. 
My initial complaint was filed XXXX XXXX. The case no. is XXXX. The complaint was as follows : " I submitted a request to switch my repayment plan from the Income-Based Repayment Plan to the Pay-As-You-Earn plan. My servicer, FedLoan Servicing, received the request on XXXX XXXX, 2016. I called FedLoan Servicing on XXXX XXXX, 2016 to check on the status of my application and was told that no steps had been taken yet to process the application. Today is XXXX XXXX, 2016, and I have still not heard anything about my application. '' Update : On XXXX XXXX, I received an e-mail from FedLoan Servicing that they had " processed my request. '' However, nothing has changed on my online account, and, on XXXX XXXX, I received my XXXX bill for a payment due still under the Income Based Repayment Plan. 
Also on XXXX XXXX, I called FedLoan Servicing and was informed of the following : 1 ) In order to process my request, my account had to be placed in forbearance, 2 ) I still had to pay the XXXX payment under the Income Based Repayment Plan, HOWEVER - because my account has been " inactivated '' - my payment would n't count towards XXXX XXXX XXXX XXXX, 3 ) I will need to pay a " forbearance fee '' of {$5.00} in order to switch my plan, 4 ) The forbearance fee will be charged in XXXX, and no other payment will be charged for that month ( so even if I wanted to make a payment towards my XXXX XXXX XXXX XXXX XXXX XXXX, that payment would n't count either ), 5 ) Ultimately, it will take until XXXX for my payment plan to be switched. Plus, I will make a FULL PAYMENT in XXXX that WILL NOT be counted towards my XXXX XXXX XXXX XXXX progress, and will not be able to make a second payment ( in XXXX ) towards that progress either.
i contacted you about an issues with greetree/ditech. they never address the issues and now have started foreclosure proceeding on XXXX XXXX, 2016 please see case # XXXX your agency sue this company for my very issue,
I am the CO- SIGNER on the lease through GM Financial. The customer of the lease on more than one occasion has not paid her lease on time or in full and quite often owes late fees and other overages. I had contacted GM Financial since they are the owner of the vehicle asking that I also be notified of any late payments right away so that I can remedy the situation, but to no avail. I called them on XX/XX/2018 on or around XXXX XXXX  to ask them again why they are waiting almost two to three months before notifying me of late or overdue payments. They clearly stated that the co- signer of the lease doesn't receive any type of notification at all and that's it's my job to check up on it. However, the said lease would NOT have happened AT ALL without the co-signer. I simply asked to be notified immediately so that I could remedy the subject situation, and they said, " Sorry we don't do that here. '' I asked for them to send me paperwork so that I could take over the payments of the vehicle and they said, '' We don't do that here. '' Yet, they OWN the vehicle. They refused to help me at all but said that they would gladly take a check from me for the overage payments. They told me that the co-signer isn't their customer and that they aren't concerned about my credit score.
I got a loan of {$360.00} from all American check cashing on XXXX XXXX,2017 after I  got the loan the law came out that all American check cashing license was revoked. I got a call from them stating that they changed there name to XXXX XXXX and telling me I still have to pay. I told them about the license been revoked and they told me somebody bought the franchise. They filled the checks out for all American check cashing no XXXX XXXX so there for I should not have to pay right? They have been trying to send the checks through my account causing me to be in the negative. How can I get them to stop or pay me back since they can not do that wit all American check cashing no longer extist. Can you please email me on what to do. I would greatly appreciate it. My email is XXXXXXXXXXXX thanks and have and nice day.
This is a issue I wrote to you about regarding XXXX XXXX. XXXX sold me a package that I was never able to use and did not inform that to have this service that I had to get their phone service. The premium channel that I ordered never worked although XXXX was called several times to fix or remove from the account. XXXX has continued to charge me for the premium services as well. 

When I got the bill, I tried to explain what happened and work out with them to get the services working. They would never resolve the issue. 

Now they have 2 collection companies reporting on my credit report, both in the amount of {$780.00}. I do n't own the original {$780.00} but now they have 2 companies reporting that amount.
I contacted Equifax to let them know that their had been improper reporting on my credit report. I spoke with someone live XXXX XXXX, 2017. We went through every thing that was incorrectly reported. However, I received an email today stating to contact the original creditor. It is my understanding that The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. XXXXnsurance C. Employment D. Court Order
Received a call from Premier Student Loan Center saying they could defer my student loan payment totals and consolidate my loans. I think it is a scam because I tried calling to cancel and opt out, which I was told I could do at any time, and the people answering the phone would immediately hang up on me when I would ask to opt out.
I am filing this dispute against XXXX due to the incorrect information that is being reported by XXXX and Equifax. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These 2 XXXX accounts have a {$0.00} balance and they were Transferred/Sold in XXXX/2016, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with XXXX and Equifax and I have received dispute results stating that XXXX  verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that XXXX send notice to EQUIFAX and XXXX  to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XXXX/2016.
XXXX XXXX XXXX shows an account in collections that is beyond the SOL for the state of CA.

Attempted to get debt removed-CRA 's have not done so.
I received a letter from XXXX XXXX, dated XXXX/XXXX/XXXX. It was a settlement offer stating I had a balance of XXXX due. However, they would accept 45 %, or {$230.00}. 

The letter advised I had 60 days to accept the offer. 

On XXXX XXXX, XXXX, I received notice from the credit bureaus that the collection account had been added to my credit report. 

On XXXX XXXX, XXXX at XXXX, I called Convergent Outsourcing and spoke to a gentleman named XXXX XXXX XXXX I explained the situation, asked him to removed the collection account from my credit reports as the settlement letter has not expired and he refused, asking me to state which law says he must do so.
I looked at my credit card account ( B of A ) visa card on XXXX/XXXX/2015. There was acharge from XXXX, a web site I had never visited or bought anything. I contacted bank & they will issue me a new card. I suspect that this may be a web site for fraudulent credit card transactions. If so & it will help others if it were shut down.
TeleCheck, one of the largest national databases of NSF has no way to dispute an inaccurate report! You must go through the Collection Agency to resolve. I never wrote a check to XXXX XXXX, no idea where one is located. No notice from TeleCheck other than a reference from a collection agency and a statement it will take a minimum of 30 days to investigate. How can Telecheck retain consumer information without a process to correct erroneous reporting ... I can not believe this is tolerated. 
Ref XXXX
My personal information was stolen during the Equifax security breach. This is unacceptable, they need substantially better cyber security.
Huntington Bank has somehow lost my XXXX payment. When asked to pay late charge and XXXX payment all over again, I complied. I had checked my accounts statement from my own financial institution immediately prior to being informed of the late payment. It showed my XXXX payment. After I returned to my financial statement after making the " late payment '', I found the initial XXXX payment was gone. No trace that I had ever made the initial payment showed up at all. That is either some glitch in the universe or an agent with some XXXX type access making moves of my financial assists from within the XXXX banks systems. I would like this matter to be investigated further.
I c systems is contacting me for a debt that is no longer with Ic systems the debt now has been transferred to XXXX XXXX XXXX I have asked Ic Systems to stop calling me more than once I asked that they only contact me through the mail only the debt is no longer Ic IC systems debt please stop contacting me please