WillisBack/dataset-financial-user-claim huggingface dataset:
My subscription to the XXXX XXXX expired. They continued to deliver newspapers. I did not ask for or want them. I tried to cancel a few times. Finally my wife got through and the subscription was cancelled. They tried to collect for the amount ( above the market / subscription rate ) for what THEY decided I owed. For papers AFTER my subscription ended. I did not pasy the bill as I did not and do not feel it is a valid debt. Then they sent it to a collection agent. I relented and paid the ~ {$75.00} that I DID NOT OWE. I want a refund and any negative credit impact expunged. I will also be filing a complaint with the the local DA and the state Attorney General. This is an unmitigated extortion machine.
I leased a car from the Hyundai XXXX dealership and when my lease was up in XX/XX/XXXX, I was told by the dealership if I leased a new car that day ( XX/XX/XXXX ), they would waive the Wear and Tear fee on the vehicle I was turning in. I went home happy with a new XXXX XXXX lease and an intact credit score. 

Months later, I received a letter from XXXX XXXX XXXX ( XXXX ) saying I owe a {$620.00} Wear and Tear fee. I promptly called the dealership ( XX/XX/XXXX/XX/XX/XXXX ) and was assured they would be paying the fee to XXXX and I would have nothing to worry about and I would never hear from them again. 

Another few months pass ( now it is XX/XX/XXXX/XX/XX/XXXX ) and I start receiving multiple calls from the same number and finally answer, it was the Collections Agency calling because the dealership never paid the {$620.00} that they had promised me they would and consequently, XXXX sent me to Collections over it. 

I then go to the Hyundai dealership and the manager of the dealership writes a check for {$620.00} and sends it to the Collections Agency ( that they should have done months and months ago ). And everything was " settled ''. However, this caused MY credit score that I have worked so hard on, and I have never missed a payment EVER, to drop 70 points The managXXXX of the dealership wrote a letter for me to send to XXXX stating I was not the responsible party for this payment and it should be removed from my credit report, which I sent to the HMF Direct Dispute address as certified mail along with a copy of my credit report and a letter explaining the situation on XX/XX/XXXX. I have filed complaints with the 3 credit bureaus as well, but the information on my credit report remains the same.
XXXX XXXX is trying to Collect {$430.00} I Dispute before the 30 days but this collection agency is in violation of state and federal government regulations. The status of limitations has expired
Central finiacial control open  XXXX   XXXX ,  2016 . Showing that I owe a balance of {$96.00} on credit report which is not true. The debt was settle and it still shows I owe a balance. Settled debt for {$210.00}, confirmation number is  XXXX . Need account deleted from all  XXXX  credit reports
American Honda Finance reports false information on my credit reports. They show multiple repossessions for an account not associated with me.
I have an active auto loan with REGIONAL ACCEPTANCE. This account was opened XXXX XXXX. In XXXX and XXXX of XXXX i made both payments before the due dates yet they both show as late on my credit report. XXXX XXXX XXXX, XXXX and XXXX of XXXX XXXX payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent XXXX certified letters requesting the verification to which i receive no response. I have even provided RA with copies of my bank documents showing the payments as processed and the statements from RA showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at RA is even making an attempt to resolve this problem. The last agent i spoke with XXXX XXXX told me if i dont like it i should just do a voluntary repo on the car.
Was told entire payoff amount and deadline. 
Sent payment in full. 
Was called back by agency and told i still owed money beyond the payoff. 
That the agreed to amount was not approved Trying to charge me thousands more.
I need your help in order to get in touch with my bank and try to solve my problem. I would like my Chase Freedom XXXX to please investigate all charges made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$700.00} on XXXX/XXXX/XXXX and also on XXXX/XXXX/XXXX {$5000.00}. I already tried to dispute with my credit card companies but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you
Was notified on XX/XX/2018 that my disputed account # XXXX XXXX XXXX XXXX XXXX XXXX with XXXX  was going to be deleted from my credit report by the request of the creditor. Received a letter from creditor stating that they could not verify late payments to this account, and they sent me a snapshot of my account being paid in full with no record of late payments ever. Have sent numerous disputes to all 3 credit bureaus and to XXXX   about the deletion of the account from my credit reports, but the account remains on all credit reports, and is negatively effecting my score.
Stop payment was issued to a merchant/charge and the representatives stated that the payment had to pend before it would be removed. Upon posting PNC stated that they could n't reverse the payment. I was misinformed in regard to proper procedures
on XXXX/XXXX/16 i sent several letters to transunion reguarding inquires that contain inaccurte information abour two weeks later i received the same number of form letters from transunion saying thank you for your questions about inquires then went on to explain what inquires were i called transunion the person was in a foren country and had vary bad XXXX after about an hour i was able to understand that trans union dose not investigate inaccurt information regarding inquires the following are inquires that contain inaccurt information all inquires in question are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. trans unions 30 day investigation time limit is up a few days ago another phone call showed that nothing was done as to investigation or removal of the inquires in question
Dear Sir/Madam, Complaint number XXXX & XXXX & XXXX : XXXX Case : XXXX XXXX XXXX XXXX Allegation of False Billings by XXXX, violation of FCC rules, Alleged violation by XXXX and XXXX under FCRA & FTC rules, & Alleged violation of FDCP Act & FTC rules by collection agent, Diversified Consultants , Inc . 

The following is a letter of complaint that had been forwarded to FTC, who had in turn, sent you for your action. I believed you also had the exhibits that was enclosed with theXXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX : XXXXXXXXXXXX
I have an Equity line of credit with US Bank. The total of the loan was {$55000.00}. I unfortunately was scammed by a guy I met on XXXX. He told me his name was XXXX XXXX. He suckered me into giving him my Equity Line of credit information. He paid it off and then all of a sudden it was back up to the max. I received a letter from the bank asking me if I wanted to raise my limit and never sent the letter back. Yes it was my fault that I gave this scammer my info but I never gave the bank the authorization to raise my line of credit. I was a victim of a scam. I did n't find out about this until I got a call from someone at the bank telling me I owed over {$84000.00}. If they can call me and tell me that I owed that much then why did n't they call me to ask me if I wanted my equity line of credit raised? This is very scary for me because I can not afford to pay back {$84000.00}. I will pay the {$55000.00} because that is what my husband and I agreed to when we first took the loan out. My husband passed away on XX/XX/2008. I am living on social security and working a part time job just to make ends meet. Please if you can help me I would appreciate it so much. I have spoken to XXXX XXXX in the Fraud dept at US bank phone # XXXX and email is XXXXXXXXXXXX and he told me because I gave this scammer my info I am responsible for the total amount. I do n't feel like I should have to pay the extra money. The bank has my phone number and could have called me to see if I wanted to raise my equity line. They sure called me when the equity line got up to {$84000.00} but did not call me to verify that I wanted it to go over!!! I need help PLEASE!!
I have called and tried to lower my payments or find ways to help me because I wanted to try and make payments. Their concern was about pay due owed and if they did offer to help I had to pay something which I did n't have.
XXXX XXXX XXXX had made a claim that I had owed {$1100.00} dollars on a collections account. The original creditor was XXXX XXXX/GE Retail Capital Bank. This was for a XXXX credit card. The true original amount owed was {$1100.00} I had agreed to pay {$950.00} in exchange that they would list this on my credit report as paid in full and also list this as a paid collections. They had failed to live up to their bargain. They had listed the account as paid in a settlement. That was against what our agreement was stated. Also XXXX XXXX Associates had marked my credit report as failed to pay in XX/XX/2016 just a few weeks after accepting my payment of {$950.00} in XX/XX/2016. By XXXX XXXX listing this as a failed to pay item well after it was paid had lowered my overall credit score. I have on many occasions called XXXX XXXX and had asked nicely for them to make corrections to my credit reports. They had refused to make any corrections and or updates. They had stated that it was an error within the credit reporting agencies such as XXXX. As to my understanding the credit agencies only report what they are provided by the creditors and collections agencies.
I have been requesting a remodification from Wells Fargo for almost a year. They have declined it but say because I am not responding. I have left messages, called, and ask for corespondence in writing so I can respond in writing. They refuse. Also, they cam to my house and posted a notice that they were going to change the locks and board up my doors even if I am inside. I do n't think this is legal and could my self and my pets life in danger.
Requested basic information from Great Western Home Loans, NLMS XXXX, on XX/XX/2018 through XXXX XXXX. Great Western ran my credit without my authorization. Spoke with other lenders on from XXXX XXXX and they did not run my credit. Spoke with XXXX XXXX on same day and they also agreed that no authorization was given for them to run my credit. Great Western parent company XXXX XXXX, out of XXXX, MD, is the company on my report that ran my credit without my written consent or verbal consent. Police report has been filed as well per the request of XXXX. Agent in question is XXXX XXXX. NLMS XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. XXXX.
A debt for XXXX in the amount of XXXX dollars showed up on my account about a year ago. I have gotten this debt removed XXXX already and now it has popped back up a XXXX time, because the account keeps getting sold to another collector. I have supporting documentation that the previous collector agreed to remove the account from all XXXX credit bureaus.
Ocwen fraudulently foreclosed on my home in 2015 after refusing to provide documentation that they held the mortgage to my home. Despite numerous requests no documentation was forthcoming and they eventually fraudulently created paperwork with fraudulent signatures to foreclose my home. I previously filed a complaint on them. I have everything documented and I am willing to provide these documents in support of my allegations.
I have a Navient Signature Student loan. I am in repayment now. I have been told that I have lost the Loan/Borrower Benefit of Signature Rewards - 0.5 % Aft 48M of on-time payments. I am 2 years into repayment. I have made all payments on-time. I have been told that I have lost this benefit because I didn't make the payments after graduating from XXXX XXXX. I was in deferment and forbearance during XXXX and XXXX and was never in repayment until I finished training. This is a substantial amount of savings that I am loosing. I have repeated asked for the promissory notes to be sent to me so I can check the terms. Repeatedly they have said that they will send them to me and haven't. Other loans I have with Navient, both federal and private, have not lost this benefit and therefore I believe this to prove an accounting error that I have no power to correct. There is no way for me to see the accounting record since Navient persuades one to use paperless billing and use their website which does not show an accurate full and up to date record of account history. The representatives on the phone are unclear on the benefit rights and do not have access to the promissory notes to read this to me. Also, I am not clear as to why multiple loans I hold with Navient have had interest capitalize 3 times while I was in XXXX and XXXX during uninterrupted deferment and forbearance. Please help!
I would like to amend my previous complaint [ Case number : XXXX ] to include recent facts. 
On XXXX XXXX I received a letter dated XXXX XXXX from Discover card. They said I had 10 days from the date on the letter to respond. They had determined that despite the evidence that the company was acting in bad faith and had in fact not supplied me with anything usable for my vehicle, they would return the complete amount to them. I asked for a supervisor, who told me the same thing. She was in Delaware. I called back and asked to speak with a supervisor again. This time she was in XXXX XXXX XXXX. She confirmed the same thing. In fact, she gave me an example. She said that if I ordered a couch, got it home and did n't like it, I 'd have to pay for the return costs. I explained that was not the case here. I was shipped a defective 'package ' that the seller wanted me to pay to return, both shipping and 20 % restocking fee. She reaffirmed that was correct. I gave her the example that I ordered a television set and what showed up was half of a toaster. She reaffirmed that I would still be liable for expenses because that 's what the purchase agreement was. I tried to explain that returning defective merchandise is not even close to " changing my mind about the color '', but she said they had rules and they would not consider anything else. 
I believe that Discover Card is acting in bad faith to my detriment. 
Because Discover Card determined in their letter to me ( dated XXXX XXXX ) on page XXXX that I would have to return the merchandise at my own expense or have my dispute resolved completely in favor of XXXX, I requested and received a RA # from the vendor and shipped the items out on XXXX XXXX at a cost of {$530.00}. Because this action deprived XXXX the opportunity to ship at their discounted rate, Discover Card should cover this expense. Also, since Discover Card will not complete their decision process until after my billing cycle, and my outstanding balance would be negative without this disputed charge, I want Discover Card to remove any interest or late payments charges incurred as part of this process. They should also remove any record of this late payment from my credit history.
Hi, i have tried to get this resolved with equifax customer service and they have not been helpful in removing these fraudulent inquiries on my credit report. These are the lists of inquiries on my report that i did not authorize and want removed. 

1.XXXX XXXX XXXX 2.XXXX/XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX 5.XXXX XXXX 6.XXXX/XXXX
www.navient.com XXXX15 called the XXXX but the recording could not help me and would not connect me to a representative because they could not understand why I wanted to talk to one so they said they would end the call. After calling a few times I scheduled a call back at XXXX XXXX. Then I got online and they could not take care of me there so I scheduled another callback at XXXX EST. The phone calls and the online program would not let me pay off a student loan. They offered to refinance and defer, but could not accept the payoff for my loan XXXX. If I selected payment on the computer or said payment to the recording it wanted me to make a monthly payment. I registered online and the computer today said they did not recognize my user id, but when I had them e-mail me the user id it was the same as I entered but it did not recognize me. I tried to reregister and it said I couldnt use that id. When I finally tried and tried to get into my account it said I could download a form they sent me, but I never received a scheduled call back. Since I could not re-register, I could not download the form they sent to me on their website. The jest of it is they do not want to accept a payment from me because they make a ton of money on the students. They had a little paragraph on the website telling that they would continue to charge interest if it came by post office mail, but they would not accept a payoff from me online or on the phone. XXXX XXXX XXXX
My personal information was breached in both the FASFA breach and now the XXXX breach. I have disputed three credit cards that are unknown on my account that were not mine, 2 cell phone carrier accounts that are not mine, and also disputed inaccurate late student loan payments that you can clearly see I was a student while the payments were marked late.
Trade line identified as XXXX appears on my credit report, however, the alleged original creditor has FAILED to supply proof of a debt. Additionally, I asked TransUnion to provide me with the 'Method of Verification ' for the disputed item, as attached - yet the trade line was somehow 'verified '. Since neither the data furnisher nor TransUnion can provide me with ANY proof that I signed a contract for debt, TransUnion needs to permanently delete this item as FCRA does NOT allow for unverified items to remain on consumer credit reports.
In  XXXX   XXXX , my husband and I, both opened an account with Navy Federal Credit Union in  XXXX   XXXX  Kentucky. We moved to Florida in  XXXX .   I 'm  XXXX  and on a fixed income, and my   XXXX   XXXX   check went into my account, and my husband added me on his account so I could pay bills out of his account, where his military  XXXX  and   XXXX   XXXX   funds are direct deposited. My account went into overdraft, and was closed one year later, in  XXXX   XXXX . I went on an agreement to pay {$50.00} a month until the {$480.00} was paid off on my closed account. My Atm Card for that account was deactivated. Fast forward to  XXXX   XXXX ,  XXXX , my ATM Card for my joint account with my husband is deactivated. I ca n't get cash out from no Atm. I go  XXXX  miles to the only branch to get a replacement card, and was refused a card. I was never notified that the agreement I made in  XXXX   XXXX , the {$50.00} for my closed account was never received. Never notified, I thought it had been settled. I was told at the branch, No it has n't been settled and that 's why my atm card had been deactivated. No, it will not be reactivated until I pay off the overdraft on my closed account. I could n't understand, what that account had to do with the joint account. I came home, and called the banking facility customer service number, and again they tell me the same thing. They would issue me another atm card to the joint account after I pay off the closed account. I got upset, and asked to speak to a Supervisor. The Supervisor was a little  XXXX  with her position, and told me you have a closed checking account, and you opened a checking and savings account with {$5.00} and you never put anything in the savings account, and we will not issue you another card until your debit is paid off. For the life of me, I could not understand what the closed account had to do with the joint account. When was it wrote, that you are supposed to save money in a savings account. The savings account was their stipulation to open an account, and all of our Direct Deposits  XXXX  of them went into the joint account, after my checking account was closed. I do n't know if I 'm being discriminated against because of my race, or because of my class. I 'm not wealthy, and yes we struggle to pay our bills, but I ca n't pay the bills we do have, if I 'm denied access to the funds, the only branch is  XXXX  miles away. That 's what they told me, you can always go to the branch to make withdrawals. They act as if they do n't want my business. I do n't want to close this account that we do have, because our rent, medical, and food come out of this account, and we are trying to buy a home, and we have had this account since  XXXX   XXXX . Do n't want to change now. I will not be buying a home thru them, plus they turned us down on a car loan too.
National Collegiate Trust and it 's affiliates were notified in writing, over 2 years ago, to cease communication about a debt I have continued to dispute. I was advised this particular debt was included in my XX/XX/XXXX bankruptcy, so I was surprised when I received their collection attempt in XX/XX/XXXX. I immediately wrote a letter disputing the debt and asked the company to refrain from further contact. I sent this letter to XXXX different addresses. I also included my bankruptcy paperwork. I told multiple collection agents about the bankruptcy and letter before I finally stopped answering their calls. I was recently informed that all collection attempts after my XX/XX/XXXX letter were out of compliance with FDCPA regulations and that I should file a complaint. I am in the process of validating the debt, but I want to make sure this company follows fair collection practices in the future. Other consumers need to know about this company.
I reported my card lost on XX/XX/17 and Chase Ink said they would close the account and send me a new one. However, they did not block charges on the old account, but continued to accept charges on the new account. I disputed the charges posted after I reported the card lost. The charges posted to the new account should never have been reported as fraud. They should have been blocked. 

No one should be responsible for paying charges after a card is reported as lost, and merchants who try to post charges to a card that has been reported as lost should not be charged with fraud. This company 's customer service department says that it can not do anything except report fraud. This leaves both the credit card holder and the companies with which she or he does business at risk.
My Citi Credit Card Account ending in XXXX was apparently shut down for suspicious activity on XX/XX/XXXX. Being a victim of Fraud before, typically you get a new account number when there are fraud charges but this time they closed my account and I do not have access to the account. I was not notified about the fraud nor did I authorize the permanent closure of the account. I do not have any access to Funds on this account but the account is enrolled in autopay which pays the account every month. I have tried to call several times over the past 4 months to get this resolved and the last representative advised me I needed to reapply for a new account. I just want to understand why I was not notified that my account was being closed and why am I being asked to apply for new account when funds are being withdrawn for my banking account to pay for an account I can not use. The only explanation I received was that I had Fraud on my account, so because I had suspected fraud my whole account is closed with notification?