WillisBack/dataset-financial-user-claim huggingface dataset:
They call several times a day, back to back and Ive slready told fh to stop. Theyre a lot to make me lose my job because of the constant calls.
I was over charged on my XXXX 's account this was evident by a credit I received from XXXX who underwrote the account. This has been an ongoing dispute with the Credit repositories, I was asked to send in my proof for my dispute, however, I was not able to upload the documentation. When I called Experian that were not able to tell me why their system was not working then requested I mail the documentation for dispute along with my drivers license, paycheck, and social security card, when I asked why since this was a ongoing dispute I was not given an answer I asked to speak to a supervisor, I was assured one was calling me back today it didn't happen.
After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my capita l one payment for the month it was declined because of the erroneous purchases. I paid capital one immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted Capital One and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that Capital One  is acting UNREASONABLY, as i have had the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.
The bill was paid to a different collection company. We have spoke to ic systems and provided proof of payment of the bill and they still will not remove it from my credit report. They still request payment even after XXXX XXXX XXXX stating that there is no bill due. I spoke to XXXX to verify no bill was due and indeed no bill is due and they told me to tell I C System to prove the bill is due or remove it from my credit report and they refused.
I was contacted by IQ data saying I owed an apartment complex over {$5000.00}. When I asked for more information and that I wanted to dispute it, I was told that IQ Data did not have to send me any documentation and that I was being sarcastic and cynical. They also said I had no basis or evidence to dispute the debt. They made false claims stating I had been evicted and owed. I again asked for a break down of the debt in writing, I was told they sent it out but I have yet to receive anything. When I called a third time to ask for documentation, I was told that if I kept calling I would be sued for harassment. The XXXX women I spoke with were XXXX and XXXX. Extremely unprofessional and rude.
I overpaid for my home. JP Morgan failed on my loan refinancing and loan modification. I am working on an assumption and was told to go to the local branch. The local branch stated they do not have a mortgage person in house that can help me at the   XXXX   XXXX   Branch in   XXXX    Texas. I want JP Morgan to reduce my principal balance and/ or not charge me for the next 6 or 12 payments. This is frustrating and upsetting. I want a local person that I can work with in the  XXXX , Texas area.
I paid the collection agency in 3 payments in XX/XX/XXXX and XX/XX/XXXX for settlement amount of {$240.00}. The bill was for XXXX. They on XX/XX/XXXX XXXX XXXX XXXX tried to collect on the bill again and added to credit bureau as collection. When I called with proof they state didnt know why it came up and was sent to credit bureau. Updated credit bureau as paid, states cant remove there error.
Please pull the phone records for a conversation that took place approximately XXXX XXXX XXXX. I  had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months grace period after graduation. So I called in because I had just graduated 3 months prior. The representative told me that I was correct and that you guys start sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the Fedloan customer service agent on approximately XXXX XXXX XXXX I  waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX notifies me that approximately 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I cant get a decent rate on my car loan, and my credit score has been brought down to the XXXX 's solely due to Fedloan 's customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with Fedloan 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals then automatically get rejected too. I have called in and talked to Fedloan customer service additional times and they told me to keep submitting more disputes ; which I have to no avail. This is ruining my life. I have been experiencing constant stress, imbalance in my relationship, a feeling of financial insecurity, XXXX, XXXX. This is not fair to my human well being and a direct block of the American dream. I have attended college for 7 years straight full time and got a good career and I have had my Fedloan student loans as well as ALL of my other bills set to Autopay ( never missed or late ever ) and yet I am rejected for a home mortgage and can not move forward in life. Please help me CFPB! Please do n't let them continue to ruin my life! <P/>-XXXX
I graduated in 1996 and my loan was {$35000.00}. In the beginning, I was paying regularly but then had difficulty making the payments so I went into default. Additional fees and penalties of over {$15000.00} were applied. Then I got a new job and agreed to new payments that were automatically being taken out of my account over the course of 3 or 4 years. I then went to buy a house and was told I was in default! And I had been regularly making payments for years!! I called Navient and was told I was not on an " approved '' plan so it did not count as a " payment '' so my account was sent into default. They had never informed me that I was never on an approved payment plan or that I was in danger of being in default. And now, after even more penalties and fees, my loan is up to {$120000.00}!!! This is criminal in my opinion and should not be allowed to happen. My credit has been affected, if it was n't for this, my credit would be excellent. I 'm really hoping that the Trump administration will crackdown on these thieves and put a stop to this. I do n't mind paying what I owe but not this inflated figure with crazy interest and penalties!! I do n't know what to do, please point me in the right direction.
I applied to change my income based payment plan on XX/XX/2018 from the IBR plan to the revised pay as you earn plan. This would significantly lover my monthly payment ( about {$100.00} less a month ). I was told I would hear back from XXXX XXXX by the XX/XX/XXXX with a decision. Since I hadn't heard back from them I called on the XXXX to see what was going on. I was told the application was in process and that it should go through in the next few days. 

As of XX/XX/XXXX I still hadn't heard anything so I called again. This time I was told that the application had a note requesting it be looked at now. That note was placed on the XX/XX/XXXX. I was also told that it could be several months before the payment plan is switched. I made sure I did this with plenty of time before my student loans became due as they were in forbearance until XX/XX/18. I also requested a due date change and was told that would take affect when the new payment plan went into effect. The current payment owed is {$300.00} a month and the new payment plan would bring it down to about {$200.00} a month.
I was never notified that I had debt in collections with this company. I was unaware that I had collections accounts open through XXXX XXXX XXXX until I was trying to purchase a vehicle on XX/XX/2018 and XX/XX/2018, and was repeatedly turned down for financing due to a poor credit score. Only then did I learn that there are 7 collections accounts open in my name from this company, totaling a crippling amount of {$73000.00}.
The debt owed per the agency is false. I had moved to an apartment in XX/XX/2018 where they do not allow XXXX XXXX. The dates owed for this debt is not possible because of this. I updated all my creditors with my new address when I moved and this debt is not correct. I do not feel it is mine due to the dates of the debt are after I moved from my prior location where I had XXXX XXXX.
Sometimes ago I contacted your office regarding the Loan Modification Deferment. A check of my statement does not show that the deferment were made. I am entitled to 3 deferments. According to the contract if I pay timely I would get three deferments. The 1st one was done ( See attach  statement XXXX ). The next two were not done until after my complaint in XXXX XXXX. However the XXXX and XXXX XXXX statements does not reflect the deferments even though XXXX XXXX said it was done ( See attached statements for both ). In XXXX, the Principal balance was {$220000.00} ; On the statement for XXXX, the principal balance was {$180000.00} ; Def principal : {$65000.00} ; Defer {$110000.00}. Had Ocwen removed the Def {$110000.00} the monthly payment would have decreased because I would be paying on the XXXXr principal. It is not clear how Ocwen comes up with the Principal if all the deferred were applied.
Hello my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX My credit file with XXXX is showing 2 charges with a company by the name of Trident Asset Management, LLC, Checks they are saying was written by me one for {$170.00} account number XXXX on XX/XX/XXXX and one for {$120.00} on XX/XX/XXXX account number XXXX these account does not belong to me I have try 10 times to disputie them and its still coming back its belong to me XXXX and XXXX are not reporting it the phone number for them is XXXX there address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I have been disable since XXXX never have such account so I am asking for your help thanks.
XXXX   XXXX ,  2017   Loan Estimate was p rovided with a {$14000.00} credit. Tha t 3 page Loan Estimate was signed by me the borrower and did n't show where the {$14000.00} credit was accounted from and had to be assumed as a lender credit, see attachments. A five page fin al disclosure was sent on  XXXX   XXXX ,    2017  showing the credit removed with no legal explanation. See attachments.     The loa n officer  at  XXXX   XXXX   XXXX ,  XXXX  tried to explain that this was because of gift money. But in actuality was a numerical clerical error. Since the gift money was not to be held by the closing company a s 3rd party  funds this was not to be a credit. They incorrectly categorized the funds as a gift and tried to correct their error.     The gift was received in  XXXX  and was not related to the home purchase but was for wedding/honeymoon expenses. I had to disclose the money to the lender because of a 60 day review. In fact, current secured funds exceed the amount required by tens of thousands of dollars. The {$14000.00} is not required to meet the down payment.     Accordin g to 1026.38 ( i ) ( 8 ) ( iii ) they  are required to explain any changes and have refused to do so on the existing final disclosure.  XXXX  offered to resubmit a correc t LE in  order to correct their error and I have rejected that offer, and it is borderline coercion. This is a numerical clerical error and should n't be legally allowed without firm explanation. This change was not due a borrowers changed circumstance. The change was due to errors on behalf of the lender.
Information on address lists a business - XXXX - XXXX XXXX which is not mine
I have found inquiries on my credit report that were not authorized by me and i have contacted the companies to remove the inquiries from my credit report. And they have not contacted me in regards to this matter and I'm demanding the credit bureaus removed the unauthorized inquiries from my credit report and update my credit report.
D & A Services, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, IL XXXX - Trying to collect on a debt that was completed in 2006 from returned damaged merchandise. The damaged merchandise was picked up in 2006 by delivery men of an XXXX store and XXXX sold the old debt to D & A Services. A XXXX XXXX, Manager, completed the return of the damaged merchandise. This was all done in 2006 and very old. We are not in possession of the damaged merchandise. I have notified D & A Services of the above and do not want them to continue with contacting me.
American Credit Financial XXXX, Georgia contact me threatening to come to my place of employment. I have not received anything in the mail these pass two years about the loan from XXXX XXXX. Then all of a sudden I get a threatening message about coming to my job or home being served with papers and going to jail. So due to these threats I was scared about the security of my job so I paid them XXXX by phone. To find out later this place is a scam.
I got my car back on XX/XX/2017 and my car has been in the shop multiple time with in the last 3 month for the same thing and the issue have not been fix no one has offered me a ride back and forth to work I lost a job because of this car situation and now my car is back in the shop for the same issue and more as of today will mark its XXXX or XXXX time being towed for the same reason. My care is over heating and my transmission is slipping. I called to say asking for all paper work showing proof that these thing were fixed on my car I have put a total of XXXX down and this car and nothing but problems just at the point that I want get my money back and take my business elsewhere.
There is a {$730.00} balance through XXXX XXXX XXXX XXXX that XXXX XXXX XXXX claims to have no knowledge of. They keep asking about services I have never had through XXXX XXXX XXXX and there is no number relating back to my name or social. XXXX ( XXXX XXXX ) is the creditor and I keep receiving mail from them about this anonymous debt.
XXXX XXXX XXXX ( collection agency ) reported a debt from XXXX XXXX XXXX. ExperianXXXX deleted it. Now XXXX XXXX ( a different collection agency ) is reporting the same debt from XXXX XXXX XXXX and they refuse to delete it again. Also the debt is being reported TWICE on my credit report for the same amount and interest.
We 've been a customer of citibank since XXXX and accepted an offer for 0 % interest card. They approved the application but required we complete a form to request the Social Security Administration to send them a copy of a social security card. We refused and they would not accept a request from an authorized user on the account to close the account.
Between XX/XX/XXXX and XX/XX/XXXX I purchased using my Bank of America Travel Rewards credit card tokens from a XXXX company XXXX XXXX. I was supposed to receive this token on XX/XX/2018. I first spoke with them on XX/XX/XXXX and read a white paper in which they described the entire project, timelines and payments ( dividends ) Three transactions were made to purchase what were supposed to be tokens ( similar to shares ). Ever since I bought the tokens comunication with the merchant was difficult and almost impossible. On XX/XX/2018 I filled the first dispute with Bank Of America explaining everything and giving them all the evidence that the company was ignoring my petitions and that I allready knew that the merchant was in some kind of legal trouble. 

XX/XX/2018 - {$2000.00} USD XX/XX/2018- {$3700.00} USD XX/XX/2018- {$5000.00} USD
In the month of XXXX I realized that my credit report contains an erroneous medical bill on my credit report in the amount of {$9300.00} posted as ; placed for collection on XX/XX/14 by Allied Collection Services representing XXXX XXXX XXXX. 

I was not aware of this debt until I saw this on my credit report. Apparently it was never submitted to my medical insurance I was never notified by the XXXX XXXX XXXX or Allied Collection Services. Thus, I have also turned this matter over to : Office for Consumer Health Assistance ( OCHA ) DHHS, Governors Consumer Health Advocate The above mention agency OCHA contacted Allied Collection Services and requested validation of the above-mention debt. Allied Collection Services then sent an illegible copy of a bill that contained an unknown name ( see attachment ) to the Office for Consumer Health Assistance ( OCHA ).
In XX/XX/XXXX I completed my required annual income certification for the income based repayment plan. I received confirmation of approved on XX/XX/XXXX. I also applied for PSLF and my loans were transferred from XXXX to XXXX XXXX on XX/XX/XXXX, I recieved the official letter of transfer. The new loan servicer ( XXXX XXXX   ) states that I NEVER completed my annual income certification and that my new payment amount is almost way more than I was approved for. I was forced to request a forbearance which could impact my consecutive payments under an IBR for PSLF. They say that I have no choice but to go to XXXX and request a new Income based repayment plan all over again because the " information didn't transfer over ''. I did everything I was supposed to do and the servicers are the ones that messed up, not me.
Navient and XXXX keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XX/XX/XXXXand XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.
On XX/XX/2018, it was noticed my US Bank Checkings account was closed - It was noticed because our debit cards were declining, so we checked the app and online and the checking account was gone. No notice, no calls, no warning. It was positive ~ {$1800.00} and had no NSFs, no bounced checks, nothing. Banks are not telling us anything nor are they refunding the money. They completely erased 100 % of the statements and records.
I Called Experian XXXX And XXXX XXXX trying to get these credit inquires off my credit report which are effecting my score. All have told me well just to lock my credit and they cant get the inquires off my report. I only have 3 accounts 2 with XXXX XXXX and 1 with XXXX otherwise they are not mine. would like for them to come off my score so i can start making my credit better.
Refer to CFPB Case number XXXX. 

Razor Capital LLC sold a debt that is n't mine to a debt buyer, which is the case number listed above. The statue of limitations in Michigan is XXXX years from the date of the last payment on the account, which was XX/XX/XXXX. These companies both have a charge off date of XX/XX/XXXX, and are using that date as the last payment date. I have never lived at the addresses for the utilities they say I am being charged for, nor have I ever had utilities in my name, much less make a payment. I have asked the debt buyer, XXXX XXXX, to stop contacting me, which they have. Both companies have refused to verify the debt and check their records. They have also failed to provide the documents I have requested, such as the debt verification and fraud packet. It is now XX/XX/XXXX, ( XXXX years after the last activity or " payment '' on the account ) and therefore, it is too late to get a court judgement on this debt. I am also extremely upset that Razor Capital has ignored my pleas to use my right to dispute the debt. As a matter of fact, just XXXX months ago was the first notice I had ever received about this debt collection effort. I have lived at the my current address for XXXX years, and I am just receiving this now? XXXX years after the fact? This is unacceptable, and extremely unethical.
My mortgage company, since the time of my closing in XX/XX/XXXX, has been charging me monthly in tax escrow what I should be paying quarterly. I.E. my newest bill shows I owe {$580.00} as part of my MONTHLY payment. My tax payments are actually {$580.00} owed EVERY THREE MONTHS. 

The condo I bought is in a new development of four units, and the parcel does not officially split into 4 parcels until XX/XX/XXXX. This is why the City tax collector sent us a letter stating what each unit individually owes since we only have one tax ID. 


I have been in contact with them multiple times since XX/XX/XXXX ( 10 to be exact ), when I first received a letter from my city 's tax assessor. Still nothing has been done to rectify the situation. They did do an escrow analysis after my 9th call and multiple previous requests that allegedly got lost in their system. My payments went up, based on the tax increase ( my city tax payment per the city 's assessor, increased from {$430.00} to {$530.00} ), but they have failed to correct my monthly payments. Currently I am paying {$6400.00} per year when I should only be paying {$2100.00} annually.
I started an account with Capitol 1 and a XXXX XXXX dollar credit limit. I linked the payment directly to my XXXX bank account for withdrawal, and made the payment manually online prior to the thirty day mark on XX/XX/2018. 

The money was removed from my chase account, and I recieved a transaction number and a confirmation that my bill was paid. 

I logged on today, XX/XX/2018 to pay off this months balance. I was shocked to find myu account closed due to non-payemnt. 

I contacted the company, informed them of my confirmation number and the money being removed from my account, and they told me they were correct in shutting down my account. They further told me that they had allready reported the closure to finanacial credit institutions, and I should take up the matter with them.
I've received notices from companies XXXX XXXX and XXXX that there were some items on my credit report impacting decisions made towards my credit worthiness. Given that I just purchased a second home ( XX/XX/2018 ) and my current score is XXXX as of XX/XX/XXXX based on the information that XXXX XXXX ( XXXX XXXX XXXX  ). On the document it says the following : Several delinquent accounts High Balances ( two home loans ) I don't have any delinquent accounts and if I did, I wouldn't be able to purchase another home. I've reached out to XXXX  before about this issue and was given the run around. This agency never provide responses that are useful or makes changes. The information that they provided is never accurate.
Greetings, I have an account open with Barclay which I opened in XX/XX/XXXX, I just noticed there is another credit inquiry for another loan with them inXX/XX/XXXX which I never applied to. I would like to report this as a fraudulent request as neither my family nor myself have made any applications with this bank since the one that was submitted and approved in XX/XX/XXXX at an XXXX  Store.

Please let me know if you need any additional information from my end.

Thanks
There is debt that was opened on my account on XXXX XXXX, 2016 in the amount of {$1000.00}, that does not belong to me.
This is the third time I have filed a complaint against this company ( Credit Solutions ) with CFPB. It is not my debt, and the person does not live here. I told them to stop calling me. I told the person that owes the debt to call them and tell them to leave me alone. And he did, so they now have his phone number, but they still call me. I sent them a certified letter, telling them to Cease and Desist calling me or I would take legal action against them. They got the letter and are still calling me.