WillisBack/dataset-financial-user-claim huggingface dataset:
Caller called from a local ( XXXX ) number. I called back, thinking it was a parent of XXXX or XXXX of my son 's teachers. Caller attempted to get my address, would not say who they are, hung up. Called again, individual who answered disclosed company name and address. Company is located in Illinois. She asked me to verify an address, and I complied, telling her my current address. She then gave me the Mini Miranda after I disclosed my personal information. Said they are calling on behalf of XXXX XXXX XXXX ( company that bought the debt ). They refused to give me contact information for this company, even when I talked to a manager. The manager stated that I could " look the company up on the internet. ''
Since Capital One took over XXXX XXXX I can no longer access my account online. I closed this account years ago but I still have a balance and continue to make automatic payments every month and got an online statement and notification via email when my payment was due and the payment amount due. about two months ago I stopped getting notifications so I tried to log into my account and could n't get access. There was a notice on line that I had to re-authorize my account since the take over. When I tried to do this I had to enter my account number which I did not have since I destroyed my card when I closed the account. I contacted customer service to get my account number and was told they could not give me the account number and that 's the only way I could re-authorize my account. So without the account number I could n't do anything. On my statement that I now receive instead of receiving on line, it only shows the last four digits of my account number ( XXXX ). My payments automatically post on the XXXX of the month and this month it did not post until the XXXX so I called Capital One to see why the payment did n't post till the XXXX and again to see if I could get access to my account. I was told that they no longer allow access to closed accounts on line. I asked them how I can check my balance to make sure my payments go through and to monitor my account and they told me I will now get a paper statement every month. They is fine except if something goes wrong I will not know it until the end of the month. Since I have had problems with other accounts being hacked I check all of my credit cards, debit card and bank accounts activity at least weekly to ensure that I 'm not getting hacked again. Without online access to my Capital One account I can no longer check. Can Capital One legally refuse to give me online access to my account?
XXXX XXXX XXXX XXXX is reporting a debt in the amount of {$2900.00} and with an opening date of XX/XX/XXXX in the state of pennsylvania. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ). XXXX XXXX XXXX XXXX does not have legal right to attempt to collect this alleged debt. 

In addition, this collection was closed and removed from my XXXX Credit report dated XXXX, XXXX, XXXX. The creditor, XXXX XXXX XXXX XXXX, reinserted the collection item, reported as of XXXX XXXX. XXXX is required by the Fair Credit Reporting Act ( FCRA ) to notify me in writing within 5 business days of re-inserting a previously deleted item, FCRA 611 ( 15 U.S.C. 1681I ).
Original loan was bought out by Navient. Began to notice that the loan payment was increased. Called company and was told that the interest rate increased. Was informed of what total amount to pay. I use automatic banking so I set that amount and payments continued with the updated amount due. Received letter stating my loan was late and fees were included. Called and company informed me that the date due was wrongly confirmed during my last phone cal pertaining to amount change. I then had to go in and while on the phone with customer service changed my online banking again -- confirmed the amount due monthly ( {$120.00} ) and the monthly date each payment should be sent ( XXXX ). A few months later, I began to receive notices that payments were late. NO changes have been made as I do not agree and am not comfortable with the unilateral changes to my account, and the constant harassment ( phone calls and letters ). Please help stop this company from lying and cheating!
In XXXX XXXX, Chase bank via bill pay forwarded the XXXX XXXX car payment to XXXX XXXX with the wrong address. Despite the wrong address, XXXX XXXX received the XXXX XXXX payment with the wrong address and endorsed it. Chase management approved the XXXX XXXX check that was mailed out with the wrong address. Chase employee put the wrong address on the check. I was never notified that the XXXX XXXX had a wrong address. In XXXX and XXXX XXXX, Chase failed to pay XXXX XXXX their XXXX car payments even though they refused the money from my bank account giving the appearance that the XXXX and XXXX payments were made. After 60 days of being delinquent, XXXX XXXX forwarded me a re-procession letter. After contacting Chase, the money was immediately placed back into my bank account and both car payments were made. Upon requesting electronic copies of cancelled bank checks, Chase informed me that their records were destroyed. This was a lie. I am requesting the front and back copies of the XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX electronic cancelled bank checks made out to XXXX XXXX. Chase bank and XXXX XXXX XXXX engaged in deceptive trade practices and fraud which adversely damaged my credit.
I was going over my credit report and I noticed that there are several unauthorized inquires of my report. I do not recall applying for any account for business or credit. I am not sure who would access my personal information for credit or business. These transactions were not originated by me nor did I give anyone permission to pull my credit report. I already own a vehicle. The following inquiries are not mine : XXXX XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, XXXX. I am filing a complaint with the XXXX Police Dept as well.
I had private loans through Navient, which I recently consolidated through XXXX XXXX XXXX XXXX ( XXXX XXXX ). XXXX XXXX  uses Navient as their servicer, so I am still working with Navient who originally held the loans. XXXX XXXX submitted payment to Navient to payoff/consolidate my loans in XXXX of 2017, and my repayments to XXXX XXXX, serviced through Navient, began on XXXX/XXXX/17. The XXXX XXXX loan is ID XXXX. After my new payments began with XXXX XXXX I noticed that I still had balances on my loans originally held by Navient. Navient did not XXXX out my accounts and transfer the balances to XXXX XXXX. I notified Navient of this issue on or around XXXX XXXX, 2017. I was told that the XXXX remaining balances, account ID XXXX and account ID XXXX, which showed about {$300.00} remaining, would XXXX out in about a month. I was provided ample assurances that everything was fine. I waited. After the given deadline I reviewed my account and found that Navient did not resolve the issue. Once again, on or around XXXX XXXX, 2017, I called Navient and informed them of the issue. The representative I spoke with reviewed my account and said that the account will definitely be resolved by XXXX XXXX, 2017. I was told that it takes 90 days to completely XXXX out accounts, and the accounts would be resolved by this date. That date came and went, and I am still stuck with balances on my account that should have been consolidated with the rest of my loans. These loans are also accruing interest, so my balances are continuing to increase. Navient has repeatedly lied to me about my account status, while they profit from the accruing loan balance. On every call I have made they refuse to do anything to resolve my issues besides tell me to wait. I am tired of being lied to by this company. This is an unfair practice : it causes injury to me, the consumer ; I can not reasonably avoid the injury since Navient is holding the account and their representatives have not assisted me in resolving the issue ; and there is no countervailing benefit. Alternatively, this is a deceptive practice : Navient 's representatives purposefully mislead me by telling me that the accounts would be resolved within 90 days ; my interpretation is reasonable since they gave me specific deadlines as to when the accounts would be resolved, on two different occasions ; and this misrepresentation is material since I continue to accrue interest on these open accounts. Additionally, I continue to receive monthly bills for these two accounts despite the fact that I have no payment due and they are " going to be resolved ''. I have attached a copy of my monthly bills for reference.
TD Auto Finance - Tried to pay off auto loan online - even though I received confirmation, the payoff would not go through. Then called to payoff by phone, but could not process due to automatic payments.
I called Discover card to advise them that XXXX ( internet services ) credited {$380.00} to someone else 's account. I had no balance on my ( correct ) account and asked both XXXX and Discover to ensure that this unauthorized payment was not made. The payment was " pending '' when I called these two companies on XX/XX/2017. Both XXXX and Discover representatives ( on a three way call ) advised me on XX/XX/XXXX that the authorization had been removed and that the {$380.00} will not be taken out of my Discover account because it was unauthorized. Today, XX/XX/2017, I learned that after both XXXX and Discover representatives advised me the authorization was removed, XXXX went ahead and again requested the money from Discover and Discover charged my account for that amount, which they had just been advised was unauthorized. Both XXXX and Discover representatives were fully aware this was fraud. I have spent hours on the phone trying to get the money stolen from me refunded to my account. As of today, the money has not been refunded. I believe you need to conduct an investigation into these fraudulent practices. Discover and XXXX colluded to defraud me of {$380.00}, and caused additional damages given the amount of time I have had to spend on this matter, without a resolution so far. I am also looking into pursuing a private fraud case against both companies. Let me know what your investigation results are.
On XX/XX/XXXX I logged into my BB & T XXXX rewards account to find that I had received a {$100.00} account credit. I was curious why I received this credit so I contacted customer support who instructed me that I had indeed been granted a {$100.00} reward credit and that I would be receiving a letter soon explaining the situation. About a week later I received the letter stating I had received the credit as part of a " quality audit. '' I then redeemed the reward credit and had the money applied to my account. On XX/XX/XXXX nearly a month after receiving the credit it was recended. I then contacted BB & T support to see what was going on. I was instructed that it was a mistake affecting hundreds of customers and it would take several months to resolve. My reward account now sits in the negative and it is unclear when it will be resolved.
- Debt collection agency called my work office, which I have not shared with any of my loan institutions. Coworker took the message, and they would not disclose who they were or for what reason they were calling. 
- Call began by asking for my date of birth and full Social Security number without specifying : a ) who the caller was ; b ) what they wanted ; or c ) why they needed this information. 
- Refused to speak with me without the aforementioned identification information. 
- Representative informed me that I was being contacted by a debt collector, Delta Management Associates , Inc., and that they worked for the US Department of Education. 
- Representative stated that my federal student loans had defaulted, cited an amount I believe to be greater than the amount I had taken out. 
- Asked if I could pay the loans back in the full amount today ( nearly {$42000.00} ). Asked if paying {$35000.00} was more amiable. 
- Offered to sign me up for a " rehabilitation '' payment plan, in which I would pay somewhere between {$5.00} and {$240.00} per month for 9 months, after which I would be reassessed for a different amount by a different debt collection company. 
- Asked for address information, salary, monthly expenses, family members, and information about assets, two weeks of signed pay stubs or a signed XXXX for the current calendar year. 

- I had consolidated my loans in the past and am currently paid up. Informed the representative 's supervisor that I would need to confer with my cosigner to ensure that the claims they made were true. Supervisor informed me that these loans are not " cosignable, '' so the point would be moot. She then told me that if I did n't respond then there would be " certain involuntary actions '' taken ( eg. wage garnishment ) and asked that I respond within the next 24 hours.
Dear Sir/Madam, Good morning! Please accept my very best regards. Madam, I would like to present the following for your kind perusal please. 
1. Madam, since XX/XX/2018 I am attending XXXX   University XXXX XXXX XXXX XXXX Campus for completing XXXX XXXX XXXX degree. 
2. The Financial Aid Officer, put up a financial aid package for me. But, he was later transferred to another campus. 
3. The new officer who took over the duties in my campus returned my stipend and refunds back to the lender without my knowledge. Right now I do not have any job. Even then the new officer returned XXXX to the lenders and charged me {$1200.00}. Right now I have no means of paying this amount. And as per the financial aid package I was supposed to get as a stipend and refund, the amount ( {$3100.00} ) ; and it was ( as per the contract ) not supposed to have returned to the lender ; rather refunded to me. 
4. I persuaded every one in the University but to no avail. 
5. Can you please help me in this regard ; I will be really grateful to you if you help me. 
Thanking you, apologizing for any inconvenience, and looking forward to your kind assistance in this regard. 
Most Sincerely, XXXX XXXX XXXX Email : XXXX Telephone : XXXX
Synchrony Financial is taking extra payments that are being made and not applying them properly. They make it difficult to pay extra payments on promotional balances. They have also " made up charges '' that they have applied to my account that I continually have to call and get fixed. They can not tell me what these charges are. I have had to call weekly and argue with them on applying extra payments to my promotional balances and they continually do it wrong.
I just check my credit report and found the surprise that have XXXX accounts in collection and none of them belongs to myself! ; XXXX of them it comes from the same collector : UNITED CONSUMERS and the other XXXX is from XXXX .. base on what I read on my XXXX report ( # XXXX ) they have received accounts under the name XXXX XXXX and my name is XXXX XXXX XXXX XXXX I really appreciate any help that you guys can provided me due its unbelievable that my credit is so low and damaged due a huge mistake from the creditors. Thanks in advance!
I applied for a loan on Saturday to get a car and found out that Santander was reporting me as late four times for 90 days. In actuality, I requested Santander to pick-up my van XX/XX/XXXX as a voluntary repossession. They repossessed it a few days before XXXX XXXX XXXX. XX/XX/XXXX, they contacted me acting as if I still had the car. I had to contact the company that had repo'ed the car to provide proof that it was not returned to me. Fast forward to this past Saturday when I found out that XXXX has never reported the repossession but has it as if I still have the car but am in arrears! The last time they reported was in XX/XX/XXXX which dropped my XXXX credit score from XXXX to XXXX! As a result, I was unable to received bank financing for a car!! Since they have reported me 90 days late since they repo'ed the car, I suspect my credit score has been taken a hit since then. This caused me not to be able to get a house through FHA because my score was too low!
This company keeps sending letters to my house and calling me before XXXX and after XXXX stating that I owe money due to non payment from progressive however, on numerous occasions I 've sent letters and disputed this information from my file because everytime I ask that they validate this debt they ca n't provide me with sufficient answers. They are very rude, and have been threatening me with lawsuits. I know that this company has insufficient proof to report on my credit report. I have not received any documentation on the debt validating that is in fact mine he told me he could not provide me with those documents because he was n't in control and I had to speak with the company who referred me to them. When I called the company they told me I had to deal with Caine and wiener in which I call everyday to try and get this account removed from my credit report. I believe that Caine and wiener are now in violation of the FDCPA for not complying with my request to verify debt and upon receipt I want this account immediately removed from my credit report. This company uses fraudulent practices to try and intimidate people to pay these non existing debts.
Suntrust Mortgage who is servicing my loan ( # XXXX  ) is profiting by utilizing higher than needed escrow amounts on which they do not pay me any interest. In essence, they are getting a loan from me for FREE. I disputed the calculation for escrow but even after speaking with representative and the supervisor they both indicated that overage on my escrow was needed and that they were entitled to it. When I challenged their escrow practices and wanted to assume paying for taxes and insurance directly myself they said that loan to value ratio was at 84 % and needed to be below 80 %. I challenged their valuation of my home which they had at $ XXXX, far lower than the current market value that according to XXXX is at $ XXXX. 

I can only imagine that this is a widespread industry practice not isolated to Suntrust Mortgage Services.  With millions of hard-working Americans being taking advantage of in this unscrupulous manner I would like to request your assistance with this matter. 

Sincerely, XXXX XXXX
An account was opened with XXXX XX/XX/XXXX it was then forwarded to ENHANCED RECOVERY COMPANY for {$330.00} by XX/XX/XXXX.I disputed this debt with XXXX as XXXX as ERC and Transunion. This debt was removed from my credit report by Transunion on XX/XX/XXXX.on XX/XX/XXXX the same debt was forwarded to a different collection agency ( southwest credit systems ) and then sent to XXXX.Ive tried reaching out to XXXX customer service to get any information about the account and was told they did n't have anything. I was told that someone called XXXX gave them a name a social and they opened the account. XXXX did n't bother getting any identification any signatures nothing. I was told to contact the XXXX department which I did. I received an email from a XXXX explaining what she needed to prove the account was XXXX, proof of residency, I.D police report etc. I gave XXXX all of the information that I had except the police report because of the complication with jurisdiction and time frame. I requested to speak with a supervisor and all I got was an automated email from XXXX.at this point It believe XXXX knowingly opened a XXXX account with no relative information which in my opinion should be criminal. Also i may add that I 've never lived at the address the account was opened at
On XX/XX/XXXX I paid my total balance of approximately {$5300.00} from my statement due date of XX/XX/XXXX leaving a XXXX balance. On XX/XX/XXXX a recurring monthly charge of {$9.00} was charged. For my XX/XX/XXXX statement I was charged {$54.00} in interest. I called customer service to find out why I am paying that amount for only {$9.00} charge. I was told that thats the daily interest charge for the {$9.00}. CitiCard need to stop overcharging customers. I have read reviews from other consumers how this company will just cancel your card without an explanation. Thats fine with me because I will just bring this account to a XXXX balance and never use it again. If I cancel it will bring my credit score down is the only reason I am not cancelling.
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX JH Portfolio Filed Collection Charges with XXXX and XXXX respectively. On XXXX/XXXX/XXXX I spoke by telephone with XXXX XXXX XXXX, at JH Portfolio Collections. I let XXXX XXXX know that on XXXX/XXXX/XXXX XXXX charged off my accounts and closed it. XXXX reported the Charge Offs to all XXXX ( XXXX ) Credit Agencies, which adversely affected my credit status. On XXXX XXXX, XXXX sold the charged off account to JH Portfolio. I have never heard from JH Portfolio, until their negative collection pursuits were reported to XXXX and XXXX. With this Double Jeopardy, my credit status hit a serious negative declination. And today with JH Portfolio filing collections with XXXX, another severe blow was administered to my credit report of a negative XXXX points. My overall Score is now XXXX. With every reporting by XXXX and JH Portfolio, my credit score has gone down in the latrine. I want JH Portfolio & XXXX onslaught to my credit be STOPPED. Both XXXX and JH Portfolio should reverse the negative scores on my credit. I am exhausted, stressed and at a total loss what to do. I am a XXXX XXXX XXXX Veteran with XXXX, and is fighting a battle to get my health back. On XXXX XXXX XXXX the Department of Veterans Affairs certified me with a XXXX rating of XXXX. I seek immediate relief. Please help. Very Respectfully. XXXX XXXX XXXX
TD bankUSA, N.A. issued a Nordstrom Credit Card under my name without my authorization/application
On XXXX/XXXX/2016 - TranUnion is reporting that my vehicle was repossessed by XXXX XXXX even thought I paid off my vehicle in full a couple months ago and XXXX XXXX send me the title documents. I noticed my credit score dropped XXXX points since this error occurred. 
It is so interesting that when these companies make mistakes it is always in their favor and never in the favor of the consumer. Please help me in getting this matter resolved as I am unable to contact anyone at the credit bureau to correct this error.
The company in question is Diversified Consultants. I  agreed to settle a XXXX account that I had and was promised that the account would be removed from my credit report and it never was. The original balance owed was {$1200.00} and The collection agency for XXXX agreed to remove this account from my credit report if I paid 50 % of the balance which was {$600.00}. I paid {$600.00} with a representative over the phone in XXXX 2017 and the account is still showing up on my credit report as Account legally paid in full for less than the full balance. This is not what was agreed upon and I would like this account fully deleted from my credit report. I feel that the representative I spoke with told me that this account could be removed from my credit report if I paid just to get a payment out of me and I do not think that this is right. Could someone who has the authority to remove this account please review my case? I have called Diversified consultants 3 times trying to get this matter resolved, but to no avail.
XXXX XXXX XXXX is the collection company reporting it and they would not resolve the matter, they just got aggressive and threatened lawsuit.