WillisBack/dataset-financial-user-claim huggingface dataset:
The payment amount changed again, and upon changed i called and confirmed the additionl payment amount due well prior to the due / late charge date. I believe XX/XX/XXXX. 
I made a XXXX payment XX/XX/XXXX on amount due XX/XX/XXXX. Then addional XXXX within the grace period. 

They are posting the payments to priciple & not the actual payment due. Thier representitives our misinforming each and every thime I have called them. They are indicating my additional payments are sufficient to cover my monthly obligation as they all have been well above minimum payment amounts, yet they have ruined by credit report. 
today they have informed me via telephone i cant pay prior to 30 day payment due date. Although every call prior they claim my payment schedule was ok, and i need not worry about any report, or late fee!. There have been not late fee charges as the payments have not been late. 

this whole matter is far to confusing to any consumer, and thier call center reps are as confused as the cunsomers when on the phone. This whole thing is obserd
My original loan was for XXXX of the total I owe on my loan at this time. I was always told if I can not afford to pay to put my loan in forbearance not realizing that all interest would be tacked on to the end of my loan and I would be stuck with 3 times the balance. I called multiple times to find out about how to reduce my payments and was never led in the right direction other than to forbear. I was not making a lot of money and could not afford to pay when my balance was XXXX and approximately one year ago I began to make more money and called to get the ball rolling on repaying my loans to find out that I owe XXXX and can only afford to make interest only payments even with my higher earnings. I requested a loan forgiveness but I am told I do not qualify, I asked if I could come to an agreement with them and pay a lump sum to them to clear the debt but they do not offer any such payoff types. I have a family of XXXX including myself and my wife and this added huge debt that occurred over years of being told to forbear my loan and has now created a never ending payment that even into my retirement years ( if I can ever retire ) I will still be paying a huge monthly bill for these loans. I borrowed maney for college not realizing that I would work for my entire life to repay them and can now find no help from my service provider Navient.
identity theft XXXX XXXX an account was opened from XXXX XXXX XXXX ( not my account ) XXXX XXXX  was opened with a hi balance of XXXX and was closed in XX/XX/XXXX not my account XXXX XXXX an account was open and left a balance of XXXX. this account is not mine closed on XX/XX/XXXX XXXX   XXXX XXXX  this account was opened in XX/XX/XXXX and is now in collection. this account is not mine XXXX XXXX carries a hi balance of XXXX is not my account closed XXXX XXXX XXXX opened ii XX/XX/XXXX original creditor XXXX  carries a balance of XXXX js not my account. 

XXXX XXXX XXXX opened XX/XX/XXXX { XXXX ) XXXX balance is not mine XXXX XXXX/XXXX XXXX balance was added to my report is not mine XXXX XXXX opened XX/XX/XXXX closed XXXX XXXX charge off is not mine XXXX XXXX  opened XX/XX/XXXX closed XX/XX/XXXX is not my account Chapter XXXX bankruptcy added in XXXX is not my account
At the beginning of this month, I attempted to use my paypal credit account, which I ve had for years, to make a purchase of about {$400.00} at XXXX The transaction was denied wth the response " a problem occured with paypal ''. 
I called paypal and was passed to their " security '' dept. I was then told, that " paypal was in the process of changing banks ''. And this would take a few weeks to complete. I was told to try again later ''. 
I asked for a detailed explanation since their assertion seemed contrived, for I did not think they had suspended their business in the mean time. I said to them that their denial of my transaction, was in effect denial of credit, and since my credit score is above XXXX, and have not had any problems with them, no previous payment issues, I was entitled to an explanation. They refused. 
2 days later, I called and asked that my paypal credit account be closed since I could not use it. I was then told that, in fact, it had been previously closed! Obviously they had in their previous explanations lied to me. 
To date there has been no explanation, and I think their dishonest conduct, in the total absence of any issues on my part, is completely discriminatory, unfair, and unwarranted.
I requested a Lease Buy out from my lease holder Ally Bank on    XXXX   XXXX   , the amount quoted was {$27000.00}. The amount was good until my next payment due date on  XXXX   XXXX .     However during my consult the next day at the dealer, they contacted Ally bank to obtain a buyout amount and received a quote of over {$30000.00}.       Clearly this significantly changed pricing for me to have that amount added to my next loan/lease.     To the least sophisticated buyer this could cause great financial hardship. Especially, if they did not attempt for themselves to obtain a customer buyout. That would have no idea why the buy-off [ minus  ]  dealers bid on your current vehicle would be high.
On XX/XX/XXXX I sent a letter to Convergent asking them to validate a debt that they insist that I owe. In return this company sent me a bill XXXX that they are claiming is a validation that this is my account. However, the bill sent does not provide me as to the date in which this account was opened. All it shows is someone named XXXX XXXX opened the account. I have no knowledge of this account especially after seeing the information that they sent. Anyone could have opened this account. There is no contract, nothing with my signature on it nor my social security number and most importantly this document provides no information as to when this account was even opened. Also, I asked Convergent to validate this debt but on their letterhead they attached a response and I quote, " the debt is valid and attached is Verification of the debt ''. By their own admission they indicated also that what they sent me is a verification and not what I requested which was Validation of the debt.
I took out a title loan on  XXXX / XXXX /  XXXX   with a company cal led Time Finance  located in  XXXX , NC. I ran into some financial hardships after completing  XXXX   XXXX   XXXX  , and was unable to find employment. As expected the company repossessed my vehicle. I have learned recently that they sold the vehicle at auction. When the loan was taken out they assigned a value to my vehicle that was more than the loan itself. With the repossession, I did n't fight it knowing that there was a balance owed that I was unsure would be paid. I assumed that the loan company could more than recoup its losses with the sale of the vehicle. I was not contacted to be notified of the sale, nor was there correspondence of the vehicle being repossessed. I just came out to find it gone. Later the agency reported to the credit bureaus that the account total was {$710.00} approximately. The entire loan amount was  XXXX  dollars, and at the point which payments stopped the balance was approximately  XXXX . The company, when contacted, told me that they sold the car for {$250.00} at auction, and that the actual balance on the loan was  XXXX  dollars. I fail to understand how they arrived at these figures, and feel that the company has taken advantage of me. They not only took a source of transportation without notice, but they left me unable to secure means to make good on the loan. My life was left in shambles, and now they essentially want me to pay the full balance on the loan, not including the damages and payment they 've already gained.
On X/X/17 I called National Credit Systems and spoke with a XXXX XXXX. I made payment of {$250.00} to close the account. On X/X/17 I received notification in the mail from National Credit Systems , Inc. dated XXXX/XXXX/XXXX that NCS had been authorized to accept a payment of 50 % of the balance owed to close the account. This information was not provided to me by XXXX XXXX and she did not offer the 50 % reduction despite the offer being dated X/XX/17. I called XXXX on X/X/17 and spoke with XXXX, Collections Supervisor, asking that the a refund be issued for the difference. He declined the request.
I requested verification of debt from another collection company in XXXX. I answered a summons and pled not guilty, as they would not provide me with verification of the debt. My wages have now been garnished by another agency. I was not aware of another judgment attempt. I have contacted them, as of XXXX XXXX, for verification of debt and they told me that they had a legal garnishment and are not sure that they will be able to find the verification. They did tell me that it is XXXX XXXX, but that information did not have any meaning to me. They have not yet supplied any written documentation for verification. I believe that the debt is not only not mine, but also past the statute of limitations.
I have promotional ( no interest for 6 months ) balances on a Care Credit card. I have paid extra to be sure that the non-promotional balances ( {$120.00} from XXXX/XXXX/2015 ) was paid in full. However, I have been accruing a 'minimum interest charge ' for the non-promotional balance for the last couple months. I did a chat with a representative from the company who reports they applied my payments as required by law. The law states that the highest interest rate needs to be paid off first - all of my charges are at the same interest rate, only the non-promotional charge is actually accruing interest at this time, so it appears my payments should have been applied there first. The representative with whom I chatted reports that she changed the way previous payment ( s ) were applied, but no charges were reversed. I would like to see the charges reversed, if possible, and for the company to not to this to anyone else.
All of my personal identification have been stolen. Drivers license, social security card, birth certificate. All of my personal information have been changed with Equifax. A seven year fraud alert have been placed on my report. I 've spelled my name as XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX is my maiden name. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX XXXX child name is XXXX. XXXX XXXX XXXX XXXX His birthday is XX/XX/XXXX. My XXXX  child name is XXXX XXXX XXXX XXXX.his birthday is XX/XX/XXXX. He was born at XXXX  XXXX in XXXX XXXX. He have a XXXX XXXX & he 's a substance abuse. XXXX have been taken advantage of because of his XXXX, by the XXXX Family & others. The FBI told me to pull my credit report, because it 's an inside job. A monitoring service have been added to my report, to prevent me from pulling my report. I was also told to pull all of my tax returns. Because my date of birth have been changed, my employers have been changed. Social Security have written me a query with all of the EIN numbers of my former employers from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I filed Bankruptcy. The property at XXXX XXXX XXXX XXXX had been refinanced by The XXXX Family in XX/XX/XXXX without my knowledge. A series of people was linked to me with XXXX XXXX XXXX XXXX. In XX/XX/XXXX someone reported a fraud XXXX XXXX to IRS. They used The Department of Labor FIN number was used. The property had been turned over to Tennessee Housing Development. The property was sold for {$18000.00}. Yet {$35000.00} was reported to IRS. XXXX XXXX XXXX reported to Equifax I owe for their service. I was no longer in the home. I was forced out of the home. I was n't involved with the selling of the home. XXXX XXXX XXXX and all of her children abused XXXX XXXX XXXX services. My late father social security number is being used. The late XXXX XXXX have been deceased since XX/XX/XXXX. My mother social security number is being used, she has been deceased since XX/XX/XXXX. XXXX XXXX XXXX is my mother 's name. I reported this to XXXX XXXX XXXX years ago. At the time I did n't know my credit report had been tampered with, in the way that it have been.
Not only did this company not address my issue, I am struggling to make any sense of their response. 

First, I have held this FHA loan for greater than XXXX years, thus the necessary time frame has passed for me to get removal of my PMI, pursuant to FHA guidelines. Second, PMI can be lifted once my equity amount has increased to a certain percentage. The numbers Nationstar 's is basing its numbers on in its letter dated XX/XX/XXXX are based on the numbers of my LTV ratio when it was appraised and purchased in XX/XX/XXXX. 

My condo has appreciated in value since then, thus the LTV is different. I am looking to get an appraiser to come in XX/XX/XXXX and appraise the property so that I can ascertain its current value and get my PMI lifted. Nationstar is telling me I have to use XXXX of their appraisers and that I can not get XXXX of my own licensed and bonded appraisers to value the property in XX/XX/XXXX. The letter I received from Nationstar today suggests that they are skirting the issue and not answering ( nor sending ) me the authority that says I need to use XXXX of their appraisers. 

Again : I want the authority that says I have to use a Nationstar appraiser in XX/XX/XXXX since Nationstar says I have to use XXXX of their appraisers. I want said authority sent to me. 

Since Nationstar has made the terms of my FHA loan an issue, please send me the authority that says I can not get my PMI lifted once my LTV ratio meets certain amounts. 

I have been very clear about my requests. This is now the XXXX time I have requested the same thing.
I have a money market account with an online bank called AmTrust Direct ( part of New York Community Bank ), and I would like to close it. I wrote the bank XX/XX/XXXX asking them to close the account and send me the balance. I have heard nothing. I called them on XX/XX/2015 and spoke to someone named XXXX who said he could see that the bank had received my letter on XX/XX/2015, but the account had not been closed. He said he entered a request into their system to the online banking department to determine the status of my account closure request. He took my mobile phone number and said the online banking department would call me. I have heard nothing further from the bank and have not received a check for the balance of my account.
It did not allow me to check everything they did wrong. However I will start by saying Commonwealth Financial Systems is a pathetic excuse for a company. The employees that represent this company are the most ignorant and hateful beings I have ever had the displeasure of speaking with! I was appalled by the lack of professionalism they presented. I was not told of the so called " Mini Miranda '' notice at the beginning of my call when I spoke to a Specific representative this rep was XXXX of the worst and I have her name and reported her which did no good I am sure. Aside from all that when speaking with this specific rep I was so hurt and disgusted by her attitude I asked to be transferred to a manager high than her she REFUSED! stating that she will take care of me I asked multiple times to be transferred she refused every time finally I hung up and just asked to be transferred to someone besides her. On another note I do not owe this debt I have received absolutely nothing in the mail prior to it being sent to collections and the debt is from 2009 in my state of KY the statute of limitations has expired yet they continue to bother me. I also asked for an itemized bill because I wanted validation of the debt before I even think to pay a penny. They " requested '' it over a month ago and still nothing has been sent to me. I have never in my life been so mistreated by any company! It is my understanding that if you represent a company one would think there would be at least a small amount of respect exchanged by the employees to the consumer. I received nothing but unanswered questions hateful and insulting behavior from the representatives and a clear understanding of who not to be as a human being. I would never speak to any individual or treat any XXXX as they have treated me!
There is a repossession from DT Credit on my XXXX credit file that does not belong to me I contacted XXXX and DT Credit and they are not helpful about removing this fraud account
On XX/XX/XXXX My Chase Bank account was mistakenly charged {$2100.00} dollars by XXXX. They admitted the mistake without problem and tried to help me recover my money. This transaction sent my bank account into immediate overdraft. 
Until the {$2100.00} falls off my account as 'pending ' I am in overdraft status. I was informed by Chase that this will take 3-5 business days, and a {$35.00} dollar overdraft charge for everyday my account is in over draft ( see photo ). What am I supposed to do for 3-5 days? I HAVE NO MONEY!!! 
The merchant talked to Chase. They have called and explained this to Chase that it was a mistake. 
I went to a Chase branch and talked personally to a personal banker. Chase will not escalate the drop off period for the charge because I did not meet one of the two criteria. Although I have been a good customer since XX/XX/XXXX ( according to Chase ) I only keep an average year to date amount of {$800.00}, even though the company I work for - XXXX- Direct Deposits 3 times that amount into my account twice a month. Because I do n't enough money in Chase bank daily they can hold on to my money longer??? 
I am filing a complaint with Better Business Bureau of XXXX and XXXX Illinois and Consumer Financial Protection Bureau against Chase. I have no money until this clears up for 5 days. They are a horrible bank. I will be moving forwarding to taking the necessary steps to close my account and I will inform the Executives at XXXX XXXX about my experience with Chase and how they treat their customers.
I filed a complaint to this body regarding Experian wrongfully reporting a bankruptcy on my credit report and disseminating that incorrect information to creditors. Since I have been challenging Experian on these matters my credit score has been on the decline, dropping 55 points since XX/XX/XXXX. I believe I am being retaliated against. Following my complaint Experian responded by stating they had investigated and that no bankruptcy was listed on my credit report and that Experian was not reporting a bankruptcy to any financial institution. In support of their claim, Experian sent me a clean credit report devoid of any bankruptcy. The screen grab attached refutes Experian 's claim. Credit Check powered by Experian reported as of XX/XX/XXXX that my FICO Score was a XXXX. The source listed is Experian. The number 1 factor influencing my downward score... 
" There is a bankruptcy on your credit report. '' Credit Check powered by Experian reports to XXXX on a monthly basis. XXXX is one of my creditors. Due to the false reporting by Experian, I have had deleterious actions taken against me. On information and/or belief, Experian 's actions are deliberate. They advised this body they were not reporting a bankruptcy on my report, they send me a clean report giving me the impression the bankruptcy is deleted but continue to send information to my creditors that a bankruptcy exist on my credit report... .an elaborate ruse to defraud and mislead. Experian is disseminating disparate credit information to financial institutions.
Equifax fails to remove the XXXX XXXX XXXX XXXX. account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX from XXXX XXXX XXXX XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
X/XX/17 at XXXX GC : is one of many repeated wrong number calls being made to my phone number to contact a person who does not live at my home. Performant 's procedure to speak with a live person during the call to update their database does not work, so the annoying calls continue.
I sent disputes already but no contact or changes have been made. 
All XXXX credit companies are still negatively reporting a XXXX AccountIt has been 8.8 years since Major Delinquency First Reported. This account had never been brought current after this and has exceed the date XXXX and Federal Fair Credit Reporting Laws for being able to report in any mannerThis was also disputed with the original creditor and a good faith adjustment was made on this account that cancelled any balance owed. 
I will attach the report from the creditor but you can also review the actual documents and dates atThe original dispute made on my behalf CFPB CASE # XXXX
Datacheckofamerica.com has made repeated calls to my phone. About 7 or 8 calls per day. When I answer, they say it 's on a check I wrote back in the 1990 's, a debt that may be close to 20 years old. However, they can not provide me the verification of debt nor any other relevant information except the credit union I banked with at the time. Furthermore, the recording says they are issuing a wage garnishment if I do not pay something even though they have not provided me with any information or any verification of debt and even though according to them it 's a very old debt.
I purchased a XXXX in XX/XX/2016, we made payments for a few months. In XXXX and XXXX we had some financial trouble and fell behind. We picked back up and made payments over what we owed to get out of " collections '' even though they were still accepting our payments. In XXXX the finance company called my work phone, I explained that I can not take calls at work and asked them very firmly never to call my desk again. This month we are short due to me having to take time off of work for health issues. the payment came out this morning and they called my desk phone again! I may lose my job because of this and it is a huge violation since I have asked them previously to take that number off of my file they CAN NOT call it.
Imwas part of mthe XXXX 2011 in XXXX XXXX Louisiana. Imwas XXXX. They convincednme I could affordmthis. My mom used child support to pay monthly and interest on student loan. XXXX. They convienced us I could support myself soon get in internship greatnjobs the whole lie. Here I am XXXX struggling my mom pays my rent. I cant find work other than XXXX makemmost paydays less than XXXX. I cant afford healthcare my mom pays that too. I want to go to college but they stole everything. Most of jy classes were taught bynstudents as the teachers left suddenly. My mom kept telling me this was not right something wasnwrong. I need help.All those pressured empty promises. Broken in need of help. If my mom looses her job or worse dies. Imwill be on the street and dead inmno time. I cant make enough to live hpw can I repay debt that at XXXX XXXX imhad nomidea the picture they sold was fraud in diguise
Equifax deleted my creditor XXXX XXXX XXXX and XXXX account that was opened in XXXX 1993 and is current and paid as agreed. 

I did not dispute this account for removal or fraud. I want Equifax to reinsert my XXXX XXXX XXXX and XXXX account in good standing, paid as agreed with no negative activity. 

I want Equifax to stop merging my credit report information with other peoples information.