WillisBack/dataset-financial-user-claim huggingface dataset:
This debt is originally from  XXXX   XXXX  and it was opened i n  XX/XX/XXXX  it w  as then closed and transferred to Midland Credit Management in  XX/XX/XXXX . The  amount being reported across my credit report is fro m Midland Funding and Midland Credit Management is   $  XXXX  {$880.00}. I have tried several times to reach out  to Midland Credit Management in regards to this debt in requesting for proper VALIDATION of this debt, as I know that I DID NOT open a credit card account wit h  XXXX   XXXX . I have only received copies of statements for this debt but nothing has been sent to me with my signature authorizing this account . Midland has since been reporting under both names Midland Funding and Midland Credit Management across my c redit reports.
Collection agency : National Credit Management XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone number : ( XXXX ) XXXX XXXX Partial Acct # XXXX School : XXXX XXXX XXXX College of XXXX XXXX State University XXXX XXXX XXXX XXXX, AZ XXXX Phone number : ( XXXX ) XXXX Amount owed : {$2700.00} The school falsely advertised the price of the degree plan and the course in following manner. ( 1 ) XXXX State University failed to advise me that there was a difference in price for out of state tuition for the program that doubled the amount of the class cost. When I advised the school ( contact name XXXX XXXX ) of their representative ( XXXX XXXX, Enrollment Coach ) tactics, they dismissed my concerns with no review or investigation into my allegations. ( 2 ) the school nor the collection company never notified me in a timely manner that owed in monies to the school. As such I was not given the opportunity to pay it off timely and in good faith. The balance was paid as should have ; however, I do not feel that this should be on my credit reports.
I have recieved numerous calls from an individual who names me and says i need to return his call and that his name is XXXX. The number that came up on my caller id was different then the return call number left. I googled both numbers and found out that it is a collection company. They never said who they represented or what the call was about on the message. Just that i need to call them asap.
Currently, my account is in deferment due to my attendance in a XXXX program at XXXX XXXX XXXX University. As I am in deferment, I make periodic payments towards my loan as the Autopay is turned off and I have not been able to reestablish the Autopay service. 

To my surprise, when I was using the My Campus Loan website, I found that they are now charging me a XXXX cent fee in order to make my payments or processing fee to use my credit/debit card. In the past, I have been able to make additional principal payments and payments during deferment using my checking account for free via the website. I understand that it is recommended to use the Autopay service ( as I have in the past ) ; however, since I am in deferment, this convenience now incurs a charge and I have been instructed to deliver a check to XXXX University to make additional principal payments towards my loan. Your representative has made a note on my account to contact me when my payments are made and posted to my account which helps me feel more comfortable when making a payment directly to the University. 

My major concern in this situation is that I had not been notified of the additional fee and feel that this additional fee is further adding interest and fees to those who are in the same situation as me ( in deferment or grace period ). As this is a subsidized Perkins Loan, the servicer should not be entitled to these fees due to my loan status and I should have been notified of this change before they were made and should have been offered to send checks directly to XXXX University ( as indicated by your representative over the phone ).
On XX/XX/17 I started a customer support ticket with XXXX XXXX XXXX about a transaction of XXXX XXXX that never arrived to my account do to a missing destination tag. I was emailed back and told if I provided them some information about my wallet that the XXXX was sent from and some other things I had to search for myself they would be able to get my money back to me within a couple of weeks. I provided them all of the information they 've asked for but it has been over 2 months and I still have n't heard anything back from them and from what I 've seen on online forums about issues like this I am not the only one. I 've since emailed them multiple times about the same issue and it seems each time they marked the issue as resolved which it had not been.
Complaint Number XXXX This is an addendum to my above-referenced complaint regarding the practices of Wells Fargo Home Mortgage to AVOID helping struggling homeowners with their mortgage. 
It is with great dismay that after sending all those justifications/and or substantiations proving that we never missed payments, Wells Fargo through the same Representative, XXXX XXXX XXXX, XXXX, again ( for the second time this year ) subjected us to apply for ( another ) Loan Modification. 
Please be reminded that they already approved a HAMP Loan Modification Trial Payment on XXXX XXXX, 2017 but due to some technicalities which is beyond our control they RESCINDED their approval on XXXX XXXX, 2017 the 4th month of our Trial Payment - and subsequently on XXXX XXXX, 2017, they referred our case for collections. 

What Wells Fargo have done to us is very humiliating and unethical, when the Federal Government and the State have been trying to help struggling homeowners to get back on their feet yet " big Banks '' like the one we are dealing with is trying to manipulate us into believing that we are delinquent in such manner that all decisions are theirs to initiate and in their favor, thus leaving us, Homeowners, in their mercy. 

WHERE IS JUSTICE AND WHERE IS THE GOVERNMENT??? OR MAYBE BECAUSE WE ARE THE MINORITY WHEREIN OUR CONSTITUTONAL RIGHTS HAVE BEEN ABUSED BY THESE BIG BANKS???? WHOEVEVER UPON THE REACH OF THIS PLEA. 

HELP US!!!
I have paid off both XXXX XXXX accounts on XXXX/XXXX/16 and XXXX XXXX in XXXX also. XXXX of the XXXX XXXX shows being paid but not the other and they were both done and cleared my bank on the same day.
Thank you for taking the time to read my letter. I recently pulled my credit report and noticed I have some derogatory terms from Nelnet regarding some student loans I had. I wanted to discuss these late payments and also the ramifications of them. 
I went to school to be a XXXX, because my entire life has been XXXX and that is true to why those late payments were not put into deferment earlier. My mother has struggled with XXXX her whole life and during these times in which I did n't pay my student loan on time, I was struggling with putting her into XXXX in addition to constantly moving. 
Specifically, I want to address, the reasons why I was late in during the time period of XX/XX/XXXX on ... This was the time my mother went to XXXX in Missouri and I was back and forth making sure she was okay. I made a mistake as we all have done in the past, and in fact paid a XXXX group of my loans off, to show the faith I have put into refocusing my attention to my credit and my mistakes. You can see as well that the moment I realized my loans were in collections I applied for a forbearance during these times. 
I want to also look at during the XXXX, XXXX period, I applied for a forbearance on XX/XX/XXXX and then again not even 6 months later but this is n't addressed in my credit report. I want the opportunity to develop a relationship with Nelnet, and be able to trust in you to be the administrator of my student loans. I was XXXX years old when I went to college, my annual income has gone up since then and in fact, I am continuing my education to get my XXXX 's and I want to eventually get my XXXX. 
I understand the mistakes I made when I was young and my life was in turmoil, but as an adult, my credit report is suffering, it says I have only made 88 % of my payments on time, and forces me to pay more for rent, for a security deposit, avoids the ability for me to get a small business loan and develop the company I 've started. It 's created a burden on my life, which I understand will go away after 7 years, but I would like to be considered to remove these late payment charges from my credit report and even pay some of the interest on my student loans. The money I currently pay for a security deposit on a rental could be going to Nelnet ahead of time, however, it has put me in a situation where my credit is n't good enough to afford a car, a home, or a reasonable situation. 
I would love to see this be removed and work towards rebuilding my relationship with Nelnet for the future, rather than destroy my credit and hurt me for something I did when I was young, in a crisis situation and made mistakes. Nelnet presented me the opportunity at XXXX years old to go to school and be a XXXX, I would not have been able to afford that if that was n't a student loan. I am now a XXXX for a XXXX. I want to do the right thing, but I also want to see changes to my credit to support my lifestyle and to support the person I am today.
In the XXXX XXXX time frame, a U.S.-based major financial institution erroneously reported to one or more bureaus that I was dead. 

In XXXX and XXXX XXXX, I repeatedly called this bank 's revolving credit servicing center to object to this instance of credit reporting, and to question the account closing on that basis. 

A late charge was waived ; but in every phone call during XXXX and XXXX XXXX, the creditor continued to deal with me via the calling queue for decedent affairs. 

[ The same false instantiation of bureau reporting ( " XXXX '' ) also states : " Never late. '' ] The fact of this report appearing in the public sphere has caused eight months of financial adversity ( unemployment/underemployment, due to background checks asserting " candidate is XXXX '' ).
when checking my credit score XX/XX/XXXX. I noticed my credit score with XXXX had dropped 22 points. After careful review of my credit file. I saw that XXXX  and XXXX  were both reporting a decrease in my credit limit for my Synchrony XXXX XXXX  account. I also noticed that only the XXXX   score changed. I reached out to Synchrony and was told a letter was sent to me XX/XX/XXXX explaining why my credit limit was reduced. A manager for Synchrony accessed a digital copy of the letter and explained the decision was made based on derogatory information submitted by XXXX in XX/XX/XXXX of  this year.

When I made my purchase in XX/XX/XXXX, Synchrony ran my report and made me an offer of credit based on my current credit status. I accepted the {$2500.00} limit in good faith. I made all payments with the exception of one on time. When I look at my credit score trajectory since XX/XX/XXXX, it shows an upward trajectory with the only dip coming this month when Synchrony lowered my limit. I speaking to one of the agents this decision is based on an automated computer program that could possibly have flaws. Based on this information and the positive trajectory of my credit score, I am disagreeing with Synchrony 's decision to lower my limit as it has had a negative affect on my credit score.
ON XX/XX/2019 AT APPROX XXXX AMERICAN EXPRESS CONTACTED A THIRD PARTY REF. MY ACCT WITH THEM. THEY LEFT A MESSAGE REQUESTING I CALL TO DISCUSS A PERSONAL MATTER RELATED TO MY CREDIT CARD. THE NUMBER THEY CALLED WAS XXXX. THIS NUMBER IS A RELITIVE AND I DO NOT LIVE THERE. AMERICAN EXPRESS HAS MY CORRECT INFORMATION RELATED ON HOW TO CONTACT ME. THIS IS IN DIRECT VIOATION OF 15 USC 1692C ( B ) AS IT RELATES TO THIRD PARTY CONTACT. AT NO TIME DID I GIVE AMERICAN EXPRESS ANY PERMISSION TO CONTACT A THIRD PARTY REF.. MY ACCT.
Experian credit reporting services is showing an address on my credit report of : XXXX XXXX XXXX, FL XXXX that is not mine. 
I have a credit Freeze on my account and this address was added after Freeze was in place without any verification or consent from me. Experian is very difficult to contact online and the phone number they provided does not answer or resolve any attempt to contact them. 
Please help correcting the issue with this company.
I signed up for a Chase Southwest Rapid Rewards XXXX card with the assumption that after paying a {$99.00} annual fee and spending {$3000.00} in the first 3 months I would receive a signup bonus of XXXX southwest miles. After 3 months I was sent a postcard stating I wasnt eligible because I had already recieved that bonus. Indeed, I received a bonus, however it was for the Chase Southwest Rapid Rewards PLUS. In the terms and conditions on the application page it says, " This product is not available to either ( i ) current cardmembers of this credit card, or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. '' Since I previously had the PLUS card I believed, and still believe, that " this card '' when referring to the XXXX card would NOT include the PLUS card. All my attempts to explain this to customer service were futile. They advised me to fax a complaint to the XXXX, which I did, it 's been around a month now and I have n't received any sort of reply.
" Open a TD Premier checking account and receive direct deposits totaling {$2500.00} or more and earn {$300.00} promotion '' XX/XX/XXXX : Opened a TD Premier checking account and funded it. 
XX/XX/XXXX : Direct deposit totaling {$2500.00} requirement was met. 
XX/XX/XXXX : No bonus has been credited to the account.
I have been with CHASE BANK for more than XXXX years. 
I had my account overdrawn several times and been able to put money into my account to cover the debt in the day or XXXX never been charged for overdrawn. 
Now if i do n't put money into my account the same day before XXXX i get charged a fee of XXXX dollars. But i do n't receive any call or email that my account is overdrawn for me to be able to cover in time. i get charge XXXX dollars for a payment of XXXX dollars that did n't go through when my check are pending ... 
This is frustrating how bank become so unpersonnal and does n't work with us but feel like they are happy we are doing bad!!! 
What kind of society are we in?
XXXX XXXX started to collect on a debt I am not aware of. I asked them to validate the debt but failed to do so.
This is a payday loan, I was told by a lawyer that is illegal in Virginia and not to pay this. 

They have been calling multiple family members and now have called my father telling him it was a loan that we were paying and had a small amount remaining that we need to take care of. And it wasn't much but we needed to do this. 

They are also calling me and my wife 3-4 times a day.
My personal cellphone is listed on the Do Not Call registry but this debt collector ( XXXX XXXX XXXX ) persists in contacting me in relation to a debt allegedly owed by my ex-wife. They have no right to do so.
1. The initial complaint that I submitted is attached and named XXXX XXXX Complaint Detail. 

2. As you can see in Receivable Management 's response, it agreed " to remove any credit reporting placed by XXXX XXXX XXXX XXXX XXXX. '' 3. Receivable Management did in fact delete the {$250.00} entry on my XXXX  credit report. However, the same entry still appears on my XXXX credit report.
I have disputed an incorrect account on my credit report with the three major credit bureaus : XXXX, Equifax and XXXX. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.
I have asked repeatedly that the company remove my name from the debt collection as I was not included in the contract. The contract was made by my mother and I am not part of the binding contract. I did not in anyway authorize the use of my name or information.
over the course of the last two years I have tired unsuccessfully to get Transunion to provide me with the method of verification of the alleged bankruptcy public record used to verify disputed information. Transunion has refused to provide me the required method of verification per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I have supplied the latest letter I received from Transunion dealing with a complaint filed with the Ohio Attorney General office. As you can see from the letter Transunion believe that they do not in fact have to comply with this section of the FRCA. I asked for the method of verification in letter form sent US mail, by Fax, and via telephone conversations with Transunion they were ignored or I was sent a form letter saying that they would not reinvestigate. Per XXXX TransUnion Corp the courts have held that the credit reporting agency must do more the parrot the results of the initial investigation and they must conduct there own independent investigation
I signed up for a financing office through XXXX, serviced through Barclaycard US and the user agreement and deferred interest was not clearly explained or stated as I was mislead to think that it was an non interest incurring financing period, not a deferred period. I would have never signed up for the promotion had I known it was deferred. I was charged {$490.00} of interest on a product that I did n't think would be accruing interest until the no interest period ended. I do n't feel as though I should be responsible for this mislead charge. Their claim is that this is stated on my paper billing, but I get paperless statements and its not reflected there.
The company pulled my credit without my authorization. The inquiry is reflecting on my   XXXX   and  XXXX  Credit report. I have never done business with this bank before nor have I sought any of their products or services.
I 'm attempting to link my TD Bank account with my XXXX  account in order to purchase cryptocurrencies but I am being prevented from linking the two by TD Bank.
I wrote the credit reporting company to dispute that they have a bankruptcy listed on my credit file. I asked for information on how they verified this to be my account that they are reporting incorrectly. They have responded that they verified that this is my account. They stated that this was verified and no change to my report. They did not indicate how it was verified so I contacted the courts and they said that they do not verify anyone 's information and all my records are frozen so I want to know where they are obtaining thins information.
I always make my monthly payment online from navient.com, but when I tried to make my XXXX 2015 payment, I was unable to log in to my account online, due to some kind of " legal '' issue. Not knowing why I would be locked out, I tried calling the number given. No answer. So I attempted to call multiple different numbers until I got through to a person. I was then asked if I was involved in any type of " legal mitigation, such as a bankruptcy '' which I am not, and never have been involved in any type of legal activity, but this was the reason I was locked out of my account online. 

After I told the rep that I was not in any type of legal mitigation, I made my payment over the phone and they were going to work on getting my access back online to make future payments. About two weeks after making my payment over the phone, I received a late notice, saying I missed my XXXX 2015 payment. Well, it was actually mis-applied by the rep. as I paid the full amount that was due for XXXX 2015. 

I have called, emailed, faxed my issue to Navient and it is STILL not corrected. It is a simple payment correction. I have actively been trying to get this corrected for weeks now and I am getting nowhere with Navient. I was trying to get my XXXX payment corrected before I made my XXXX payment, so it was not mis-applied as well, but since the issue is taking so long, I went ahead and paid my normal monthly payment for XXXX 2015, so please ensure it is posted correctly as well. Thank you!
My husband and I have applied for a mortgage modification with Chase. After four months and hundreds of pages of requested documentation not to mention numerous conflicting requests, numerous statements by Chase customer service representatives that our file is ready for review, On the same day another request for more documentation comes. This is a frustrating and costly process for folks with low income but good credit. Are these banks hiding behind federal laws while requiring mountains of documentation only to have the original application " time out '' due to their inefficient process.
This complaint has nothing to do with the choices I selected, I just picked them as they were the closest to my problem. I went bankrupt in 2004. My mortgage was XXXX XXXX XXXX at the time but it was being serviced by Capital One. My mortgage was not involved in the bankruptcy at all and I continued to pay the payments monthly. After the bankruptcy XXXX XXXX XXXX refused to show my escrow info on line. I was blocked out of the account. My  mortgage was turned back to XXXX and I was on line for a short while, until they decided to do the same and block me out of my account. Since that time XXXX has forgotten to pay my taxes, and I had to get a call from the town to get them paid. 2 ) forgotten to pay my flood insurance and I was notified by my insurance broker and had to get that fixed. Lastly, this past week I found out I had a negative escrow balance because Capital One has paid 3 flood  insurance policies at about {XXXX} each. I am now in the process of fixing this. I feel this practice of punishing me because I went bankrupt ( which had nothing to do with the mortgage ) and not allowing me to monitor my own escrow account is ridicioulus. This is my money in the account and obviously this bank need work on handling my escrow account and paying bills on time- or not paying bills in triplicate! Please advise. Thank you I have any and all documentation I can send you if needed. XXXX
We were on time, every month with our mortgage. OCWEN began taking our additional monthly payments and putting them into a " suspense account '' rather than paying down our principal. When they would not pay down our principal, I asked OCWEN to apply my extra payments towards next month invoice. They said they would, but they never did. All additional principal payments never went to principal, but into suspense account. The math became impossible to understand. We never missed a payment, now OCWEN says we are six months behind! And we never missed a payment. They assigned us a " relationship manager '' as an advocate of Ombudsman Department but they never return calls or emails. Its a scam! Now they have a lawyer calling us and they stopped accepting regular monthly payments. They forced us into foreclosure and our perfect credit reports now have XXXX late payments and our scores went from XXXX to XXXX and dropping! Our loan officer says we can not qualify for a mortgage now. Many states, including California have fined them XXXX of dollars for mishandling loans, but they are still in business and they should not be. Remember, politicians take lobby money to protect big business. Only in numbers can the people prevail. Submit your complaint now and be heard!