WillisBack/dataset-financial-user-claim huggingface dataset:
I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me in a timely manner and it wasn't until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. They didn't attempt to assist me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late. They even tried withdrawing money from both accounts. Why was I not notified that there was an issue until it was too late? I could at least get an email. Please remove the late payment from the report.
I got a notice from a debt collection agency that I owed some money from the cable company. Called the cable company XXXX XXXX XXXX XXXX and I do not owe anything. Called the debt collection company ( Diversified Consultants, INC. ) and was rushed off the phone when I started asking questions about the debt. They said they would " dispute the claim '' and then I was hung up on.
In XXXX my social security number was used to open a fraudulent account. I immediately notified the company and was able to successfully close the account. I then contacted Equifax to dispute the new account and notify them it was a fraudulent account. The Equifax representative on the phone refused to process the dispute unless I signed up for the Equifax ID Patrol. 

I ended up signing up for their product and was able to temporarily freeze my credit, however I have repeated disputed the fraudulent account over the past 2 years and Equifax refuses to remove the fraudulent account from my credit report. This fraudulent account damaged my credit score for months. 

Furthermore, after spending hundreds of dollars on Equifax credit monitoring services, Equifax failed to notify me that my information had been leaked in the most recent Equifax hack ( announced by the company on XXXX/XXXX/XXXX ).
My mortgage company has misrepresented themselves by guaranteeing me a 7 year mortgage at 3 % interest rate. They had all of my documents within a reasonable time period ( 2 weeks ) and because the rates went up instead of down, as they were hoping for, they are not honoring our agreement, as per our emails. I found that they lied to me and did not lock me in with the 3 % saying that the forms needed to be completed first. They are completely unethical and dishonest. They were the ones that called me regarding the reduced interest rate and I quickly acted upon it. I took my time, effort and cost to gather all of the information that they needed and I am told " I 'm sorry for the misunderstanding ''. There is no misunderstanding, they are just scamming me and I do n't appreciate it. I want them to honor their commitment that they made to me and complete my refinancing as per our agreed upon arrangement. I find it hard to believe that after 9 years they treat their customers like this and expect to get away with it. I am sure that I am not the only XXXX they have done this to. I would greatly appreciate you looking into, what I believe, is their unethical behavior. I have all correspondence that was emailed between us. I want them to honor their commitment that they made to me and complete my refinancing, as per our agreed upon arrangement, 7 year fixed term at 3 % interest rate.
I saw this derogatory claim from Midwest Recovery Systems for a payday loan that i never took out on ( XXXX XXXX, 2016 ) XXXX claims is {$820.00} ; but Midwest doesnt have a original amount of the said debt or a contact number from the original creditor. 
After doing several research have found out its a scam. However they want me to pay them to delete it. I simply told them that if they didnt remove this from my credit i would be suing them for violation of the FCRA and i would be filing a complaint with the Police and i got hung up on. I want this removed from my credit.
XXXX refuses to remove the XXXX XXXX XXXX Auto Collection Account. I request a reinvestigation and removal of said account as it is too old to be on account. Account was charged off in XXXX XX/XX/2009 and the Statute of Limitations have long since run out. Original case against XXXX XXXX XXXX through CFPB is : XXXX. 

XXXX XXXX XXXX has been served a CEASE AND DESIST letter ordering them to stop all contact with me. At this time, XXXX is still reporting an account too old to be on record.
Apparently this company told a friend of mine that we had written a bad check in 2013 and they are an attorney on behalf of this client. This company shared false information and personal information to people that I know. This company also called my phone and stated they were contacting me regarding fraud charges and wanted to get a defense statement for prosecution. They represented themselves as attorneys. When I asked them for their location to come to their office they stated they were located in XXXX. I told them my attorney and I could come to their office to discuss what " charges '' were being filed against me.
We refinanced our home ; we paid the principal and interest for XXXX, XXXX and XXXX ; we went into escrow in XXXX so did n't pay the XXXX mortgage payment ( closing escrow today ). The payoff information Loan Depot provided includes interest for XXXX, even though we already paid it. I am trying to get them to see that this is XXXX payment. The representative I talked to said we were paying the principal and interest in arrears, but that is incorrect : we always pay the principal in advance - industry-wide practice. Thus, they did n't bill us for the XXXX principal but just for the XXXX principal and interest AND XXXX interest. When I called two weeks ago the woman I spoke to agreed with me and promised a corrected closing information to the escrow company but it still included the XXXX interest. This is over {$500.00} and a burden to senior citizens so I want the money back. Can you help?
I HAVE A PREPAID CARD WITH RUSHCARD/UNIRUSH. I HAVE BEEN UNABLE TO ACCESS MY FUNDS SINCE XXXX/XXXX/15 AND HAVE NOT BEEN ABLE TO GET IN TOUCH WITH THE COMPANY. WHEN YOU CALL ANY OF THE CONTACT NUMBERS FOR THEM THE LINE RINGS AND HANGS UP AFTER BEING ON HOLD FOR HOURS. WHEN I DID FINALLY GET THROUGH LAST FRIDAY XXXX/XXXX/15 I WAS TOLD MY INFORMATION HAD BEEN COMPROMISED AND I NEEDED TO ORDER A REPLACEMENT CARD WHICH WOULD BE XXXX TO BE EXPEDIATED. THE SYSTEM HAS BEEN DOWN SINCE THE XXXX SO NOT SURE HOW THEY WERE ABLE TO DETERMINE THAT. I PAID THE XXXX FOR 1-2 BUSINESS DAY XXXX SHIPPING AND HAVE NOT RECEIVED THE CARD YET. WHEN I CALL TO TRY AND GET A TRACKING NUMBER THE LINE DISCONNECTS. I HAVE READ ONLINE THAT OTHER PEOPLE HAVE RECEIVED REPLACEMENT CARDS THAT CA N'T BE ACTIVATED AND THEY CA N'T REACH THE COMPANY TO GET IT FIXED.
I use paypal to make payments via my bank account. PayPal enrolled me in PayPal Credit, a credit line, without my authorization or without disclosures, to make a {$120.00} payment to XXXX on XXXX/XXXX/2015. I assumed my payment was debited against my bank account, but it was not, and was instead enrolled in PayPal Credit. There was no e-mail or notification that this was done, nor was my signature nor acknowledgment required, nor were there any disclosures provided. PayPal did not notify me that there was an outstanding balance either, so now there is {$35.00} in interest payments and late fees. My issue is that I did not authorize to have credit extended to me and I was never notified of any balance. In addition, when I reached out to PayPal on XXXX/XXXX/2015 after learning of having a credit account opened without my consent, customer service waived the late fee of {$25.00}, but there is still {$10.00} in interest payments for credit I did not authorize.
JH Portfolio has refused to help me in regards to this collection account in my name and on my credit report. I have reached out to them multiple times and disputed this account many times with the credit bureaus. XXXX always just states its been verified. I have told JH numerous times that this account does not belong to me. This account was opened due to a result of identity theft. They still have not removed this account from my credit report. I have filed with the federal trade commission as a identity theft victim as well as let the major credit bureaus be aware too. I have tried sending letters to XXXX informing them that this account does not belong to me and I am not responsible for this debt because I have never opened it. They continuously say it belongs to me and its been verified but yet have never once proven how its been verified. I never received any mail regarding this account. I am attaching my credit report to review and my identity theft report. I am also including proof I sent them letters stating I was a victim of identity theft on XXXX/XXXX/XXXX.
I received a letter from an attorney claiming that he will help with a law suit filed by XXXX XXXX bank for unpaid debt. I never had debt with XXXX XXXX bank.
I recently checked credit report and I have unauthorized accounts in my report that are in debt collections and I 'd like to get them removed
this credit card company will take 8 days to apply a payment to my credit card after they know it 's been collected so that they can charge interest on the outstanding balance instead of applying the payment to the account right away they make you wait up to 8 days so that I can collect interest this is illegal and it 's wrong. I want to be compensated for the interest that they collected on a payment that was received and help for 8 days
I had made a payment to payoff my card online with PayPal Extras MasterCard. Later, I booked a hotel stay using the card XXXX XXXX. As we checked, we noticed one of our belongings were missing. We reported to front desk and they stated they would do an investigation but in the mean time they would refund our stay - in full. I thought my card was at a zero balance. XXXX day I received a late pay notice via XXXX. I was confused. I contacted the credit card company immediately. They stated the hotel charge was not reversed and I had a balance. I was reported 30+ late to the credit agencies for non-payment. I was not aware of any balance and have never been late ever. I have absolutely no late pays on my credit at all. PayPal said they would file a dispute to correct the issue and that I would need to speak with customer service to resolve payment issues. Call was dropped. I called today to resolve the issue and discuss the late payment and make whatever balance payment in full. They stated they could waive the late fee but would not send anything to the credit bureau as a correction. They stated they " could n't '', even if there was a mistake made. I was not happy with this resolution. They stated all I could do was dispute through XXXX or one of the other agencies. I filed a dispute today with XXXX and I am claiming that the 30+ day late on my credit is incorrect. I am asking that this get resolved as soon as possible. This is negatively impacting my credit.
XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I received a bonus check from work XX/XX/2013 for {$280.00}. Right after I opened the check I received a phone call from the collection agency stating that they would settle right now with a money order for the amount of {$280.00}. I went to the Bank, cashed the check, went to the Post Office and mailed it to them that same day. It was paid and has not been on my credit report. Since then I have purchased two properties and two vehicles and have a credit score of close to 800. 

This is ridiculous for this matter that has been paid 5 years ago to come up again after I paid it.
I was a sears credit card holder for over 25 years until today. 2 years ago i moved, and requested an address update with my new mailing address. I use an auto-debit payment to pay my bill, and never really gave much thought to it until i was in sears recently and for the 4th or 5th time, again requested an update to my mailing address. I finally got my first statement today, after 2 years ... to see sears has been charging me a " Late Fee '' on every month for at least a year, more likely longer. {$37.00} a month, hidden and blamed as my auto debit posted to them on the XXXX ... .1 day after my due date. could n't see this, they would n't fix my address, Customer Service refused to take these unreasonable fees off my account, leaving me with only 1 option. Close the account and start complaining to outlets like this to try to get it resolved.
Nelson and Kenard is agresively attempting to collect debt for XXXX XXXX XXXX. When I requested them to validate these debts I got NOTHING back. At the same time XXXX XXXX XXXX validate the ownership of this debt ( see attached letter ) and stated they were NOT connected to Nelson and Kenard .... Nelson and Kenard asked for financial statement in order " to help me negotiate and settle this debt '' after providing them with all of my personal information I got NOTHING back ... is this even legal to do? ... XXXX XXXX XXXX still has the ownership of these credit card debt notes and I was advised to settle with them. However Nelson and Kenard has NOT stopped harassing me, I can never speak to the same person and have to give them my personal info ss # date of birth and etc over the phone to the secretary before I can be transferred to someone .... who knows what she does with my identity and why am I required to shout out my social over the phone to someone I do n't know ... this is a violation of my consumer rights and privacy this must be stopped!
Received letter from Money Network in the mail to upgrade an account. I do not know what type of account it is and I do not have an account with Money Network and I believe this is a SCAM. If this is not the right forum or site to report this please let me know where.
I leased a vehicle from Mercedes Financial between the dates of XX/XX/XXXX and returned it as scheduled on XX/XX/XXXX. 
During the course of this lease I made every payment on time and in full serviced the vehicle at dealer as recommended and stored it in a garage when not in use for its safety. 
I asked for extra mileage words the end of lease from XXXX XXXX and associate at Mercedes Benz in XXXX XXXX. He assured me that it was not a problem to relax and enjoy the car that he would take care of it. 
I returned the vehicle in " like new '' condition in fact the sales representatives present said it was the cleanest return they had ever seen. 
They became agitated with me when I told them I did not want another Mercedes and I just wanted to return this one and leave. 
They told me I owed {$1600.00} for overages of mileage I offered to pay but I was told I had to wait for vehicle to be " processed '' this prevented me from being able to purchase another vehicle because I couldn't responsibly budget my next down payment until I had satisfied this outstanding lease fiasco. 
I visited the dealership seven different times and called at least three dozen times pleading with them to " process '' me car so I could move on. 
I finally received a letter on XX/XX/XXXX one whole month after returning the car " and it had been used and moved to new owners by dealership '' The letter states that I owe {$3000.00} this amount is double what I was told by manager of dealership when I dropped it off. 
So at this point I told them I'd like to purchase the vehicle and sell it on my own. They became very angry and said that the vehicle was no longer their it had been sold. I asked how it had been sold while it was supposedly being " processed '' and they just ignored me and left me sitting alone for over an hour I the lobby until I finally became frustrated and left ... 

Nightmare ordeal especially since I have perfect credit and fulfilled my obligations without fault. I believe they were retaliating against me for wanting to buy a different brand vehicle ...
I received a letter from a collection agency stating that " my utter lack of cooperation has convinced us that the extra consideration extended in your behalf is unappreciated. Frankly, we doubt that you deserve further consideration and and insist that you pay your balance in full within 48 hours. ''
XXXX, I had paid off a Federal Stafford loan made through Wells Fargo. I lived " debt-free '' and without using any credit for the next few years. Upon moving to a new state and renting a new apartment, I recieved a credit report claiming that I still had {$140.00} outstanding debt against the loan. Surprised, I contacted Wells Fargo who were n't willing to give me any information about the loan, debt, or payments. 

Later that month, XXXX XXXX XXXX contacted my family ( NOT ME! ) concerning the " outstanding debt ''. I contacted them, asking why no one had made any collection attempts in the last 4 years so we could address the issue. I have asked them for any information concerning the issue and they have n't yet shown any documentation of attempts to collect from XX/XX/XXXX-XX/XX/XXXX. 

Since I have paid the debt already, I am currently in the process of disputing the validity of the debt and complaining that the companies involved did n't make adequate attempts to contact me so that we could have resolved the issue at an earlier date.
A company by the name of XXXX provided an insurance rating software. The product was/is named " XXXX ''. 

For " years '' they would not apply my payments to the invoices that were the oldest despite my request both in writing, email and by phone. 

Then, on or about XXXX I contacted a marketing representative by the name of XXXX XXXX of XXXX about switching over to a different version of the rater. The product was called " XXXX XXXX ''. 

After trying to use the product XXXX XXXX I cancelled the subscription. 

Then, I received pages of invoices for the XXXX rater and for the XXXX XXXX. There errors were still wrong. 

No were did he stated I would be locked into a year subscription. I had been with XXXX and the prior owner of XXXX for over 20 years. 

Then, today I get a letter from an attorney stating I owe {$1300.00} plus ... I called and explained that I did not disagree that I owe some money but they need to get the errors correct. He then sent me a second email for nearly three times the amount and threatned my credit. 

The way XXXX  structured and applied payments make me look badly. I am going to make payments for the months that I owe XXXX and the one or two for the XXXX XXXX. 

They are being abusive because I went to a competitor XXXX rater. 

Please help.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in  pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX  and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX, 3. XXXX XXXX XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any
This debt was the result of identity. I do not live in XXXX MI I am a resident of XXXX TX. I have a relative that has a substance abuse problem who uses my identity without my permission. the collection agency will not remove this debt and will not send me documentation that this is my debt. they rely on a third party form to verify the debt.
Our home equity loan became due, it was an interest only loan, 10 year term. Over the 10 years, we never have been late or missed a payment. Our goal was to modify this loan into a principal plus interest loan and pay it off over 20 years. We also would like a fair rate of interest. Our bank is asking for full payment, have mentioned foreclosure and in our eyes are being somewhat difficult to complete this process. We own a business and show income via or tax returns, they 're asking for a P & L from a CPA, at an additional expense of {$250.00} + to apply for this modification. Our goal has always been to keep our home and reapply for another loan.
Addresses in XXXX and XXXX are not mine. I had an Ex wife in XXXX and my son in XXXX. I have lived in XXXX all my life. I lived in XXXX. for almost 40 years and in XXXX. for the last 15 years. Please remove these addresses from my Credit Report.
In XX/XX/XXXX, XXXX XXXX XXXX  incorrectly coded my credit card account as being included in a Chapter XXXX Bankruptcy when it was not. In XX/XX/XXXX after filing a complaint with the CFPB the account was fixed per XXXX XXXX XXXX ( see letter attached ) and my account was made current, open, available for use. Even though XXXX XXXX XXXX corrected the coding on my account they failed to correct my account to the 3 Credit Reporting Bureaus, and the account is still showing on my credit report as being included in a Chapter XXXX Bankruptcy and under a payment plan. This account was never included in a Chapter XXXX Bankruptcy, nor has it ever been under a payment plan. At least the minimum payment was always made on time in full since this account was opened. I have submitted numerous disputes with the 3 Credit Reporting Bureaus, and still this remains on my credit report as being included in a Chapter XXXX Bankruptcy. That information is completely FALSE. I just filed a dispute with TransUnion who investigated ( investigation result attached from XX/XX/XXXX ), and still this account remains as being included in a Chapter XXXX Bankruptcy under a payment plan. This has been reported falsely as being an adverse account going on 4 years now. It has negatively effected my credit report and score. This account is open, current, and available for use ( see attached statement of account XX/XX/XXXX ) How can XXXX XXXX continually report false information on my credit report for almost 4 years and not correct the mistake? As a result, I'm the one who is being penalized financially resulting in a lower credit score and higher interest rates, because of their mistake, reporting this account as adverse and included in a bankruptcy.