WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I called XXXX XXXX XXXX Afni Account # XXXX, with the original creditor being XXXX XXXX XXXX, creditor account # XXXX to pay the the discounted amount of {$180.00} to settle me debt. This was all verified and confirm over the phone. I just received my Bank Statement and they charged me for the full amount of {$370.00}. I then called today XX/XX/XXXX at XXXX to dispute this transaction and Afni Account stated I have to wait 6-8 weeks for them to refund the money and then they will return the account to my credit report as being charged off, then I would have to repay the account again with me telling them I want to pay the discounted amount, not the full amount, which I already told them all this when I made the payment XX/XX/XXXX. 

Afni Inc stated I did not tell them I wanted to settle my debt at the discounted price of {$180.00} so they charged me the full amount of {$370.00}. How ridiculous is that statement? 

I then asked for a confirmation number or reference number for record keeping and to have proof the conversation between me and the creditor occurred on XX/XX/XXXX and the creditor who was on the other line of phone # XXXX XXXX XXXX at XXXX stated, there is no proof or record keeping of this transaction, the proof is me telling you what's going to happen, which is I wait 6-8 weeks, they then return my money of {$370.00} along with my charged off debt on my credit report, once this happens and I see it on my bank statement, I call them and tell them I want to pay the discounted amount, not the full amount. etc..
I have recently have contacted via phone Equifax regarding my credit report. There is inaccurate information, like credit limits, missing payments, accounts that do n't belong to me, unauthorized inquires on my credit report. Equifax have told me that they were going to fix it but at this point they have not fixed anything, I have not even received a copy of my credit report in the mail and I still have the negative and inaccurate information on my credit report which I have checked online. I recently tried to finance a car and I was denied because Equifax has all these inaccurate information on my credit report.
In XX/XX/XXXX I consolidated a group of loans into one which was shown in Sallie Mae 's records as {$81000.00}. Sallie Mae ( " SM '' ) has based its interest and payment levels on a debt much higher -- {$130000.00}. I believe this is based on double counting capitalized interest and numerical errors. The result is that too little of my payments over these 16 years have gone to reduce the debt, which is still listed by Navient as {$83000.00} as of XX/XX/XXXX. 

In addition, when the consolidation occurred SM neglected to remove the original loans from my credit report as paid. Therefore my debt was shown as over {$200000.00}, with costs to me in mortgage and credit card interest rates. 

Their responses over the years have not answered my questions or concerns. The current website report of payments shows the original amount as {$81000.00} but the monthly bill shows the original principal as {$130000.00}.
Navient has yet to reply to multiple notarized letters sent via certified mail. I also have a certified list from XXXX and XXXX of over 100 calls to my home and cell phone numbers, despite the request to cease and desist in writing, and verbally on a recorded line. Each of these calls are XXXX dollar fine. I have asked them to please advise XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX of these FDCPA violations and Contract Default. I would prefer to settle out of court, but they clearly will not cease and desist, or acknowledge contract default.
I applied for a short term loan on XX/XX/XXXX through an online website for XXXX XXXX. I did not receive any details about the loan but the money was credited for {$600.00}. I am still not able to view the online loan agreement and have requested but never received any copy. 

I requested that XXXX revoke my ACH agreement and that my payment of {$150.00} be applied and a balance owing be provided so I may payoff any balance minus that payment. When I click on my loan agreement online I am redirected to another lender - XXXX XXXX XXXXXXXX but nothing appears except an error message. I get the feeling they are misrepresenting who they are. Neither XXXX XXXX or XXXX  appear to be licensed in South Dakota. 

The online account screen shows I still owe 13 more payments of {$150.00}. That would make a total repayment {$2100.00}. That is nowhere close to the cap of 36 % I expected. 

I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/2018 along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. 

Please help me address my concerns about this lender and reach a resolution that is legal and fair.
Unauthorized Credit Inquiry : XX/XX/2017 Chase Card XXXX, DE XXXX ( XXXX ) XXXX
Team, I was referred by XXXX XXXX at Equifax to Consumer Finance.gov. 
I am in the midst of Divorce in XXXX Court XXXX. I am renting from the Owner XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I started renting in XX/XX/XXXX my Apt XXXX Which had XXXX XXXX in his name installed. We transferred account from him to my name. Which services were in and new box mailed to him. After working from home and poor service I cancelled this services and asked they mail me labels back to ship back gear since labels were in old owners name. After shipping back originally I was told paid up to date {$50.00} credit and then they said they cancelled in XX/XX/XXXX after my discounts. They stated contract and Short fees. I told them I do not owe and asked for proof and bills. They never responded. They then put me into collections XX/XX/XXXX XXXX XXXX # XXXX where I spoke to Rep. XXXX XXXX XXXX XXXX # XXXX XXXX at XXXX on Acct # XXXX he offered in letter {$820.00} settlement and then lowered to {$500.00}. I explained issue and asked he refer to XXXX. He did and closed it out. XXXX then in XXXX dinged my credit and referred to a XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX Consumer XXXX XXXX # XXXX. He referred back to XXXX. I immediately called Equifax where I am a premier Member-XXXX ( -Dispute XXXX ( XXXX ). I have called numerous times to XXXX to ask for Bills as no contract I did right things and paid XXXX XXXX for 18 years as well. Note I have Fraud cases open with XXXX XXXX and XXXX XXXX and XXXX Executives helped Credit over $ 9k in billing issues of a number I did not own. 

Today I spent 3 hours disputing with XXXX as they just opened case with XXXX XXXX. 

At XXXX today a lone 3 Hours calls. 

XXXX XXXX. Spoke to XXXX XXXX-Billing transferred to XXXX Financial Services who said she saw Late fees disconnect and check issue but, referred me back to Collections. Finally after getting XXXX XXXX Call Center Rep. he conferenced a Manager XXXX XXXX who said XXXX XXXX the first # I called! Ask for Manager XXXX or XXXX noted expecting call. Called spoke to XXXX XXXX who said no mangers available could not find account final pushed for XXXX left Mobile email no calls back. XXXX XXXX was the Manager. After calling Equifax on XXXX they said XXXX research done but, only option open new Compliant and my credit is critical. Help. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX
I took out a loan with XXXX XXXX in XXXX of XXXX for {$2500.00}. My interest rate was set at 138.85 % with monthly payments of {$290.00}. After making 2 years worth of payments, over {$7000.00}, I finally submitted a complaint. My loan was moved from XXXX XXXX to CashCall to XXXX XXXX where they offered to reduce my interest rate to 20 % with a monthly payment of {$110.00} around XXXX of XXXX. It is now XXXX XXXX and my loan has been moved back to CashCall. After doing some research, I found out that in XXXX of XXXX, our Attorney General ( MO ) sued XXXX XXXX controlled by XXXX XXXX and this operation is prohibited from making or collecting on any loans in Missouri. The lawsuit also cancels existing loan balances for Missouri borrowers but I am still receiving notices that my monthly payment is due and will be extracted.
This company has called my daughter at  (   XXXX   )   XXXX , several times, sharing the debt amount, reason for the call, and even going so far as to ask whether this vehicle had been involved in an accident.
Chase credit card had one late payment due to illness of mother and called to correct. I have a mortgage checking and savings with over 100,000 and they would not remove it from my credit report causing myself and my child hardships. If it is not removed I will remove my funds and close all accounts.
Transworld Systems TSI working as a collection agency for XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, has been garnishing my Federal Tax return for the past five years. However, TSI has failed to provide an itemized detail of the original debt, as well as provide statement of the debt balance after yearly garnished tax return payments. 
On three occasions, in writing, via certified mail, I have reached out to XXXX to make income-based payment arrangements. I have been told by XXXX I need to contact TSI ; when I contact TSI they refer me back to XXXX or send a Financial Statement, which I return via certified mail ; three different times. Neither XXXX nor TSI follow-up. But, XXXX/TSI continue to send threatening letters of wage garnishment although, I was unemployed. Now, recently employment working an intermittent work schedule, making {$13.00} per hour. I have been informed by my employer that XXXX/TSI will be garnishing my wages at 15 %.
I paid off a old dept that was suppose to off of my credit and its still on there.      XX/XX/17 -Paid {$2900.00}
For the last year, I have continuously disputed the debt with the collection agency and three credit bureaus. I have never received notification from the original creditor or collection agency regarding the two debts owed. I repeatedly disputed and Credit Collection Services failed to provide validation of debt and continue to report the account to the bureaus. 

The amounts of the debts are ; {$440.00} and {$380.00}. The accounts are still showing up on my XXXX XXXX credit report.
The Company in question 'Northland Group ' had a rep named XXXX XXXX ' leave a voicemail on my work phone stating they were contacting me regarding delivering legal documents out to my home and place of employment. They left a case number XXXX ' for reference and ended the message that I have now been 'notified ' as if this was some sort of legally binding notification. I promptly called the company back at XXXX per their voicemail. I asked for additional information, i.e. who is their client and what debt is this and from when? They claim I took out a payday loan in 2005 which I 'm not aware of. In any event, it 's well past the standard statute of limitations. I suspect this company has bought a list of old debt or this is a scam. Either way, they are going after a debt illegally and threatening to sue if I do n't make due on the debt.
Santander charged off this account back in 2010 and re ages this account to show a negative account on my   XXXX   report. Every month they re age the account to show a current delinquency on a charged off account. The amount charged off was  XXXX . I have tried to resolve this matter numerous times with   XXXX   and santander and neither are reporting properly. Santander continu es to inaccurately report data on a charged off account by reaging it. This is a violation under FCRA.
I 've been dealing with XXXX for years and I 'm at wits end. They 've lied to me repeatedly about whether or not my loans qualify for PSLF, what the status of my loans are, and what money I owe. I applied over 3 months ago to recertify in a income based repayment plan, and have been through several waves of contradictory information. I first talked to a person a couple of months ago who assured me that my loans were pending approval for an IBR plan and that I would owe {$5.00} for that month. A month later I was given a bill for a full standard repayment amount, which did n't make sense to me since I never transferred to this plan. I called and spoke to a person who also did n't know what was going on, but said that I could defer and the following month I would be paying on IBR. Now this month, despite filing to defer a month ( which I hated doing because I want to pay this loan down but XXXX forced me into it through their own incompetence ) my account now shows TWO bills of standard repayment and no end in sight for IBR. XXXX does not communicate, has not responded to emails, and has told me different contradictory information every time I 've spoken with them. 

As far as I 'm concerned, it 's not a matter of 'if ' but 'when ' for a huge class action lawsuit against XXXX, as I 've read countless articles and stories from people in similar situations and that must only scratch the surface of people in my shoes. They are incompetent mismanagers of federal loans that are having drastic impacts on people 's finances, including my own.
I received a call from Asset Recovery Associatesfrom ( XXXX ) XXXX. I was asked to verify my name and Last name. I asked what this was about and was advised that if I was XXXX XXXX I was being called to settle an account with XXXX Bank opened XX/XX/XXXX and Defaulted XX/XX/XXXX. I asked if they had any information on the original Creditor as I do not recognize that name on my credit report. I was advised that the account was ready for Judgement submission on my credit report in the amount of {$2400.00} and I could stop this action from their lawyers if I settle as they would remove {$800.00} in interest. 
I asked for something in writing from Original Creditor as the female representative advised that this account had gone through XXXX creditors and was legally purchased through their Federal guidelines following the FDCPA. I asked for their FDCPA license, she gave me the following : FDCPA 017.021.107. She stated that they were licensed to collect in the State of XXXX, I quickly expressed that I needed to see more information and was asking for formal dispute process. She stated that they had received an affidavit from the original creditor stating this was a valid debt. I explained that I appreciated that they had that information, but I was concerned this could be a scam due to the fact that I had never opened an account XX/XX/XXXX ( i was XXXX years old at the time ) and I was not sure if they had accurate information. She stated that she had my credit report in from of her and verified my XXXX address at that age. I explained that i would not confirm any additional information and I wished to speak to a supervisor. I needed to know the original creditor as I would need to contact them to verify how this would be communicated to me as a judgement and I never heard of this account before as I had been in a position to monitor my report on a regular basis. 
I was advised that the Manager was unavailable and I would need to settle or I would be taken to court and judgement filed against me. I expressed frustration as I was not given more information on how to contact the creditor or their office. She stated that she would forward the affidavit to me, and proceeded to attempt to get me to settle for a reduced amount. I asked if she knew when this had defaulted and if she was aware of the statute of limitations for XXXX or XXXX? She became irritated with my inquiry and stated that the account was defaulted inXX/XX/XXXX. 
She stated that If i was unable to cooperate towards settlement she had no choice to give this information to their lawyers for judgement. I asked for her name and her Managers name and I was hung up on.
I requested Bancorp South close my checking account and was specific that if there was an early closure fee, to notify me first before closing it. After several communications with them prior to this request, not once was an " official check fee '' mentioned. I would have transferred the funds to XXXX before closing had there been a fee, and I specifically requested to be notified in the event there were fees to close. I want my {$6.00} refunded to me.
I bought a truck financed it through westlake financial there were suppose to report it to my credit every 30 days and never did.I have paid off and still isn't on my credit.I was first asked to send in copy of marriage license ehich i did and then i was asked to send in copy of my drivers license and i did.Now they just offer to send me a letter saying my account is paid un full.Which still isn't going to help my credit score! Last time i spoke with them i was told i have to contact the credit bureau and have it put on there but how thats there responsibility!! Please help get this on my credit
I was sick because of a XXXX of which now i have XXXX XXXX from the hospital directly, XXXX, and a XXXX because of my XXXX they advised me if i had any issues that they could be resolved of which when i was very very sick that they had taken advantage of me and my mental staite and condition of which i advised the installer of the home security system of and the company assured me of any issue that they could be worked out however they was not they Hillcrest Davidson and Associates sent me a letter threatening to take me to court which was illegal they didnt they just ruined my credit and charged me for 5 years of an alarms system because i missed some payments due to sickness in the amount of XXXX i call the company of which the security system came from they apologized to me for this happening to me but they said that they could do nothing for me, this company has left their home alarm service in my home of which they refuse to pickup and i am being charged for it and 5 years of service this is extortion for such a system and a 5 year contract at first i was OK but now after experiencing their customer service and that the collection agency is arrogant against me i just want this all to end and my credit returned and restored before them. under the Federal trade comission this is a XXXX fine that they should be fined for sending me such paperwork but i want the federal trade comission to contact the credit bureaus for what they said under my multiple disputes to have this removed and then contact the debt collector and fine them so that they cant lie about what was sent and communicated to me.
There is an open collection 's debt. This debt has been settled in full. The creditor informed me this debt would be reported to all XXXX credit reporting agencies and removed from my credit report. It is still there.
My Husband and I have been paying and trying to become current with the back Mortgage that we owe to try to become current and every time we start to get close to paying it down to pay it off, PLANET HOME LENDING refuses to except any more money.
The open collections notice was never received previously but all of a sudden appeared on my credit report. 
I have not received any letter or notification regarding this balance or account. 
This account is not familiar to me and I wish to find out if my social security number has been misused or subject to identity theft.
Portfolio Recovery Associates bought my account from XXXXXXXX XXXX and I reached an agreement with them and paid the account. They refuse to take the account out of collections on my credit report and it is the only collections account I have and it keeps getting me denied credit even though the account is paid. I have sent letters, called and emailed them to please just remove it from my credit report as a collections account. They can leave it as a closed account but not as an active collections account but they refuse. I want this account removed from my credit report as a collection account. How can it be a collection account with it marked paid and a {$0.00} balance. It should not be listed as a collection account just a closed account. Please help me with this.
I had filed a complaint XXXX : a collection account for XXXX that was being handled by ICS systems and they did remove the dispute from their system and they said they closed the case and that they made the correction to the credit bureaus. So in reviewing my credit it has dropped from XXXX to XXXX and the new credit collection agency called contract callers now is reporting this incorrect information which has Transunion giving me a XXXX FICO. Well I called and they put me on the line with the person but she was extremely rude and kept calling me sir sir after I told her this is not a sir. She just kept telling me sir so I asked to speak with a supervisor and he got on the line and began to call me sir and then hung up. I do not owe XXXX to XXXX for a address XXXX. XXXX, CA. XXXX. This problem had been resolved with PGE and I stand a 100 % correct because the owner of the property was illegally billing my account. I have never missed a payment for 8 years and I have established a great trust with these XXXX. and I wish to maintain that. 
there number is XXXX and it is for {$210.00} for XXXX
XXXX sold my account to XXXX XXXX in XXXX at that time the balance was {$15000.00}. We were negiotaing a the loan be re written as a home equity loan. Coincidence or not that decided to not return our phone call when the market crashed in XXXX. We short sold our home XXXX XXXX. XXXX HAS BEEN HARASSING US FOR 6 YEARS NOW. The most recent amount they claim we owe is {$54000.00}!? They continue to report this every year. Is this legal? It will be 7 years XXXX XXXX. They claim they will keep reporting this until the debt is paid in full. Please assist me on how we can assure this happens. We already lost our home and now have to rent until this gets removed. We are not even being considered due to their reporting.
The account was closed in XX/XX/XXXX, because they said I was in violation of their rules. Basically, I did n't have enough money in the account at the time of the transfer. That 's fine. The issue is that every month since XX/XX/XXXX, I 've gotten emails from them stating that there are insufficient funds for the transfer. Even though they are the ones who closed the account, they are still trying to withdraw money. I 've made numerous calls over the last few years asking them to stop emailing me and to confirm that they have closed the account. First they said their system would n't allow them to stop emailing me. Then they said they got it to stop, but clearly they have n't. I have lots of records of their emails in my account going all the way back to XX/XX/XXXX.
I need them to stop bothering me with these emails. I do n't want the idea of someone trying to potentially go after money in my account with this. Nothing I 've done has made a difference.
XXXX-XXXX-17. Do not have the option to pay a pending Promotional Waived Interest Balance without having to call XXXX which takes an hour or more. They should be forced to provide options to pay whatever amount I want to avoid interest waived. It is setup to have them make interest by making it difficult to pay before the promotion ends.
on XX/XX/2018 i file a consumer complaint with XXXX experian XXXX about my acoount i ask them to validate the account for the XXXX XXXX XXXX XXXX for {$7400.00} and also XXXX  XXXX XXXX {$1000.00} and XXXX XXXX XXXX for {$310.00}