WillisBack/dataset-financial-user-claim huggingface dataset:
My deficiency debt from XXXX was assigned to a debt collection agency, Northland Group inc . The amount was raised over {$3000.00} without any proof of the interest rate or fees from the original contract. I spoke with Northland Group initially and tried to settle this debt but have not been able to maintain any sort of communication with them. I have called multiple times and am told that someone will follow up on this case and call me back. I have also sent email correspondence on these dates ; XXXX XXXX 2015 XXXX XXXX 2015 XXXX XXXX 2015 I have reached out to the creditor, who still holds this debt, multiple times and have not received a single phone call, letter or email. I simply want to take care of this debt and both the creditor and the collection agency has made it near impossible to settle this debt. 

Since this has been such a hassle I would like to also explore the avenue of the collection agency charging unwarranted fees and interest, as the original contract was deemed null and void upon repossession of the vehicle.
The Original Cell phone bill belong to XXXX dates- XX/XX/XXXX / XX/XX/XXXX First missed payment was in XX/XX/XXXX now another collection company had it over the years ( which The statue of limitations ) has ran out XXXX XXXX has it now and didn't inform me of I can dispute it they also knew it was an old debt and they keep putting on my credit report as if it's an new debt when the account was first opened in XX/XX/XXXX I'd sent an letter to do ( NO RESPONSE ) They have wrong information on my credit report The account is very old and needs to be taken off
I apply for a job and they did a background check on me through First Advantage, when the report came back, it shows I did a crime and shows I was guility of it back I have never committed a crime, I should have a clean background cause like I say I have never committed a crime and this has happen often. that 's why job cant hired me because of my background check stating some kind of felony that I did n't committed. I need help. Also it says I lived somewhere I have never been before,
I recently opened a new credit account with Kay Jewelers and was approved for a {$1000.00} credit line. After the account was approved, the available credit was subtracted by {$530.00} for a previous Chargeoff account that was sold to XXXX in XXXX. I satisfied the balance IN FULL with XXXX XXXX XXXX on XXXX/XXXX/XXXX and I showed Kay Jewelers XXXX XXXX XXXX ( XXXX Virginia ) location a copy of the payment confirmation letter on XXXX/XXXX/XXXX. The representative called Kay 's Credit Authorization department and confirmed with the department that the previous account balance was paid in full. 

I contacted Kay customer service department today XXXX/XXXX/XXXX after confirming that the available credit has not be restored via their company 's online account service and phone XXXX. 

I spoke with the customer service representative XXXX, she contacted the Credit Authorization department who advised that my account available credit will continue to reflect incorrectly on the consumers side ( online account and phone XXXX ) but if I needed to make a purchase I would still have my full available credit available to use despite the inaccurate representation online and in the XXXX.
On XXXX XXXX, 2016, my partner and I closed on a new home. We are both first time home buyers. Our mortgage company at closing was Movement Mortgage. Our first payment had not even come due when I received a letter from Movement Mortgage dated XXXX XXXX, 2016, stating that our mortgage was being transferred to another entity, XXXX XXXX. The letter stated that the official transfer date was to be XXXX XXXX, 2016. On XXXX XXXX I registered with the new lender 's payment site, which had all my info and reflected my current due payment for XXXX, and paid our first payment. I thought everything was fine until, on XXXX XXXX, I received a letter dated XXXX XXXX from Movement Mortgage stating that the transfer did not go through for the date expected and implied that our first payment should go to Movement. I called Movement 's customer service line and was told that our first payment should have come to them and the payment we made to XXXX was supposed to be our second payment. The Movement rep said he put in a request to have the payment transferred to Movement. I did not have high confidence in this individual, so I called XXXX and was told that our loan was successfully transferred to them and we actually did pay our first payment. Confused, I called Movement back and got the same rep ( his name is XXXX ). I asked him to confirm who owned our loan, and he just repeated several times that it would take 48 hours to hear back from the other lender. I asked to speak to a supervisor and he refused to transfer me. I hung up, having received very little help, and contacted the loan officer that originated our mortgage, who provided way more assistance, but I am still at this time left with very confusing information.
I intend to transfer some balance that I have with Synchrony financial, but their website does n't show the account number that I need to transfer the balance I have with them, I want to do a balance transfer to this other card with much, much better rates. Their rates are very, very high by the way. Regardless, the issue is that I ca n't get my account number over the phone because the numbers are omitted from the E statement. Perhaps is that they do n't want you to transfer the balances from their cards that hold outrageous interest rates. Their response is that they are not authorized to release the account numbers over the phone, not even to the owner of the account. My account is in good standing and i 've been paying it for years without skipping a beat. I bring this to you all attention because it seems that they want you to be captive by them and their outrageous interest rates. I feel they are taking advantage by making it very difficult to do any kind of balance transfers. Please investigate this crooks. Thank you.
have been trying to remove a {$14000.00} plus credit card from report that is not mine
i received a sale notice date set for XX/XX/XXXX from peak foreclosure service acting as the trustee for from what i was told Bank of America, but my loan was originated by XXXX XXXX XXXX Loans, i was contacted by XXXX XXXX servicing a sub-servicer working for either Bank of America or XXXX XXXX XXXX XXXX XXXX in which all of these companies claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX a shell company is the owner of my mortgage i request a QWR back in XXXX of XXXX but never received a reply in the time framed prescribed by law from none of these companies, this loan has been moved from one place to another with no real way of knowing who is the real owner of this loan in order to get answer to question of why my mortgage payment and deed of trust do not have the same interest, payments and terms from the day this loan was recorded, and who i should speak to regarding the decisions of a loan modification from Bank of America or XXXX XXXX XXXX XXXX since the sub-servicer has to get information from these banks, i need names and numbers of representatives from of these banks regarding all information pertaining to the mortgage that they claim to own, also if Bank of America is the decision maker then i need to speak to them directly regarding my loan modification request because i have no clue who the real parties are, interesting enough i found a case just like my that spells out this problem : CLICK ON THE LINK : XXXX : XXXX # XXXX Follow The Mortgage - XXXX
The bank said they could not find any record of where I authorized them to refuse any NSF after this consumer law passed. They had to get each depositor to sign yes or No. I said No. At least once since this law passed this bank refunded my fee on a NSF they paid without authorization. I looked in the email for it and apparently they have another policy of deleting emails after 6 months. Prior to this illegal fees theivery, all my emails were available from the day I opened the account. Several Years. Apparently so they could prove that had n't refunded with their own messages. Make them give me my money back. It 's XXXX. # XXXX Chase Bank XXXX XXXX.
Refer to complaint XXXX. The complaint was not resolved. The company did not correct my mortgage payment effective XXXX 2016 per their response. They admitted that they stole {$1200.00} from my escrow account to pay someone else 's taxes and that they penalized me by raising my monthly payment. They made their correction effective XXXX 2016 leaving me to pay the {$890.00} for XXXX which is {$220.00} more than was due for XXXX 2016. Their response did not address the other issues at all ... the fact that they have consistently paid my XXXX taxes late costing me late fees and interest. They did not respond to my request for a refund of the late fees and interest that they again stole from my escrow account. They also did not speak to their insulting and derogatory message " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' This statement is made on every call I have made to them and also appears in their response letter. They are not attempting to collect a debt, my account is not past due, I am calling them with questions and they are not a collection agency ... they are my mortgage company. I am 100 % dissatisfied with their response and demand action.
My payments have been consistently misapplied by servicer. I have spoken to them every month to try and rectify, but have gotten nowhere. I make weekly payments to the servicer.
They claim to keep payments in a suspense account until a full payment is received. However, that is not what they do in fact. Some payments consistently get misapplied to principal rather than the next monthly payment, causing late fees and penalties, even though a full payment has been made and received. After calling, they usually resolve, but I do not always receive a complete refund for the improper late fees. I end up having to call over {$5.00}, it 's ridiculous. The documentation of my payments has gotten so confusing that I am not even sure anymore what has been applied or paid. I made weekly payments in the past with other servicers and did not have any issues.
They should apply payments first to outstanding interest, than to principal. Alternatively, they should follow their own procedures when collecting payments. If they are placing into suspense account, that should be consistently done. I should not have to guess how my payment will be applied and then have to call EVERY MONTH to resolve improper late fees. I have given them ample opportunity ( 10 or more phone calls ) to resolve before resorting to this complaint and they have failed to do so.
I did hold a credit card account with XXXX issued by XXXX Bank from XX/XX/XXXX till XX/XX/XXXX when it was closed. On XX/XX/XXXX was the last payment made on the card showing XXXX balance. Since XX/XX/XXXX till XX/XX/XXXX there was no activity on the account. During the months of XX/XX/XXXX I have received a notice from a collection agency that I owe them {$690.00} that they claim I did not pay XXXX. When asked to prove the charges no one was able to produce said charges because they never existed. Since 2011 till now I have not received what I have requested but said information was reported to the credit bureau as bad debt. 

Merchandise was returned to XXXX and credit was received but XXXX Bank or XXXX some how decided that I owe them the {$690.00} when that amount was credited to the account based on merchandise returned to them.
I down loaded a copy of my credit report from XXXX XXXX XXXX XXXX  XX/XX/2018. My XXXX   report say my score is XXXX but Avant say its XXXX when applying for a loan on XX/XX/2018.
I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How is this company reporting as data factoring when they were not in ownership of this account prior to the charge-off, since they are a 3rd party collection agency? My consumer rights are being violated by these entries as well as they are violating the Fair Debt Collections Practice Act. This erroneous, inaccurate item should not be reflected on my credit reports.
My bank account had been appropriately set up to not incur a monthly fee on XXXX XXXX, 2016. Furthermore, at that same time I became aware that I was due a refund for prior years of monthly maintenance fees. US Bank sent me a response letter dated XXXX XXXX, 2016 with a pamphlet showing and supporting that I should not be charged a monthly fee. However, contrary to the advertising materials, and the accuracy of my account as of XXXX XXXX, 2016 ( rightfully placed into the XXXX Checking with no fee due to additional requirements met ), US Bank, on their own accord, switched my account back to a fee charging account. This action by US Bank is not supportive of their advertising materials, and is taking their own actions that are more advantageous to the bank and not in accordance with their written materials.
I have disputed the late payments on this XXXX XXXX XXXX account for months. Experian  and XXXX reported this error.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home.
A debt collection company has called repeatedly leaving messages with family/friends saying that they are calling from D and A Services ( or DNA? ) to collect a debt and information to return the call. I, as well as family/friends, contacted the company and requested that they stop calling. They have not. Also, they do not always state who they are attempting to contact regarding this alleged debt, I believe intentionally, in order to have my family member ( s ) return the call. They have also given out private information such as my name, the amount of the alleged debt, and also ask for my contact information. This has been very annoying, frustrating, embarrassing, not to mention illegal. They are just flat out completely ignoring all requests to stop the calls. I do not know what else to do other than file a complaint and talk to an attorney. It is apparently a useless waste of time to continue requesting that they stop calling so I am hoping that this complaint will help. Thank you for taking the time to read my message and for any assistance you can provide.
I had internet service years ago with XXXX XXXX and cancelled due to poor internet and service. I was notified in XX/XX/XXXX and spoke with an agent of Resurgent that I needed documentation of the validity of this debt as I was never notified of such debt. XXXX XXXX I disputed the claim in writing to Resurgent still waiting for verification. The only thing they can come up with is a date that they were told it originated, a XX/XX/XXXX date it was charged off, and a date they acquired it for LVNV Funding who bought the debt from XXXX. I am not in the habit of paying just because someone says I owe them..I need month and dates of this service for verification of its validity as I have never been notified of this in the past..
I subscribed on XX/XX/XXXX to a XXXX XXXX XXXX credit card, which has a {$300.00} annual travel credit benefit per my cardmember agreement. 
On XX/XX/XXXX, I placed a purchase for travel of {$560.00} via XXXX XXXX using my XXXX XXXX XXXX card, and was expecting the balance of my annual {$300.00} travel credit to be applied, since it applies on a calendar year basis. 
I called Chase on XX/XX/XXXX and then XX/XX/XXXX to  inquire about closing my XXXX XXXX XXXX, as I did not want to renew and pay the {$450.00} annual fee. On XX/XX/XXXX, I was told that my travel credit benefit might not be applied because I intended to close the account. So I asked not to close the account, and waited another 48 hours before I called back. When I called back on XX/XX/XXXX, I was told by a different operator from Chase that I would actually get the travel credit, and asked to change my XXXX XXXX to a Chase Freedom in order to avoid the fee while keeping my credit account opened. 
It took 4 entire days for Chase to post the charge to my account after it was in " pending '' state, while it usually only takes 48 hours. Chase claims that because I changed credit card, the charge was posted only after I did the product change and thus would not benefit the travel credit in spite of what their phone operator confirmed to me when I specifically inquired. Also, the cardmember agreement states that " A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to an annual maximum accumulation of {$300.00} ''. This means that using the card is the reason the travel credit should apply, and not when the charge should be posted.
On XX/XX/2018 ( Time XXXX XXXX ). I XXXX XXXX, submitted an on line dispute to XXXX   disputing XXXX XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017 of which should have been deferred per my conversation with the XXXX XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later. Per my conversation with 3 or more customer service agents this was not the Fed Student Loan intention. Per my conversation with the Credit Bureaus, I was informed that XXXX XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! Sincerely, XXXX XXXX XXXX
I paid off my mortgage to Wells Fargo on XX/XX/2016. As of today, XX/XX/2016, I have not received my escrow disbursement in the amount of {$3000.00} plus. We 're in our 3rd week now, and still waiting for our money. 
I have spoken to Wells Fargo twice, but only get the runaround : It 's been disbursed. It 's being reviewed. It was mailed on XXXX ... .around and around. Based on the fact that their CEO XXXX XXXX is in XXXX after being fined XXXX dollars, I feel compelled to complain about what appears to be a culture of corruption. And thank you Senator XXXX XXXX for this site.
I asked Chase bank customer service to set up my checking account so that it will not allow transactions to process if there is not sufficient funds in my account. In essence, so they would bounce back to the originating source. Chase cs sent me a link to use but it did not work for my checking account. Since then several transactions have processed through my account when there has not been sufficient funds and they are charging me fees for these items.
Ideal collections is still not going by the law they are trying to collect a debit that was done by identy theft, i have attached a police report they are asking for a fraud affidavid as the police stated this does not exist please read report. I have now gotten a lawyer and i am not nor will i provide them with my ID my identity was alreadys stolen, this will be the last attempt to have them remove this or the Law offices of XXXX XXXX in XXXX will file suit, i have never gotten a debit collection from these people this has been over 6 years this is now harrasment and extortion again i have a police report. Last chance to remove or XXXX XXXX wil take over
Checked my XXXX XXXX account and noticed 2 hard inquiries for credit cards I did not apply for. Apparently theyre from Citibank ( cbna ) and XXXX   XXXX, I did not apply for these, secondly, this is weird because what if someone out there is using my identity for other things. This matter needs to be investigated immediately!! Because I did not do this.
In XX/XX/XXXX, I was forced to declare Chapter XXXX due to some extreme circumstances in my personal life. At the time, I had a XXXX card with a balance of {$20000.00} that was included in the bankruptcy. In XX/XX/XXXX, I had the Chapter XXXX bankruptcy dismissed. 

I contacted all the credit card companies I owed money to and negotiated a settlement amount with them directly. XXXX was the only creditor still showing my bankruptcy as " active '' for 8 months after the dismissal. I took me the next 8 months and many phone calls to finally resolve that. Finally in XX/XX/XXXX I was told by XXXX to contact XXXX XXXX XXXX XXXX XXXX to arrange a settlement amount. 

I did this and on XX/XX/XXXX I received an email from XXXX with the agreed upon settlement amount that we had discussed over the phone. I paid that amount, {$6100.00}, to XXXX XXXX XXXX on XX/XX/XXXX and have a receipt from them for that payment. 

XXXX is still showing on my TransUnion credit report that I owe {$20000.00}. The payment has NEVER been accurately reflected on my TransUnion report. 

In XX/XX/XXXX, I submitted an online dispute to TranUnion about this matter. On XX/XX/XXXX, I received a letter in response from TransUnion stating that the XXXX information was " Verified as accurate ''. 

I had seen an increase in my XXXX  credit score when the amount was paid to XXXX and at that time XXXX  was reporting that it was Paid/Charge Off with a XXXX balance. Within the past couple of weeks, I got an alert from XXXX  that TransUnion had reported negative information to them and now that XXXX  account is showing up as " Charged Off '' with a balance of {$20000.00} on my XXXX   credit report. My XXXX credit score plummeted over 50 points because of this. 

This erroneous reporting of information has negatively affected my creditworthiness. 

I met with a mortgage lender back in XX/XX/XXXX and was planning to purchase a home in XX/XX/XXXX. This false reporting is causing great damage to me. I no longer qualify for a loan because of this. I will be unable to buy a home/obtain a mortgage because of this. I am unable to qualify for ANY credit because of this. I am requesting that this XXXX account be COMPLETELY removed from my report with ALL credit reporting agencies. 

If I am unable to have this request met by XXXX, I have been advised to seek out the help of an attorney that specializes in such matters and pursue damages. I am not a litigious person and would prefer not to do that if I can just get this resolved and get this off my credit once and for all. 

I am providing proof that this amount was paid to XXXX as per XXXX 's instructions.
A company called Concord Resolution ( XXXX ) keeps calling me to collect on a payday loan from 2011 that was paid in full. They are very rude and disrespectful, and have my personal information.
Starting near the beginning of  XXXX , I have been making multiple requests to change my payment due dates to coincide with the  XXXX  of the month. FedLoan Servicing promises that these will be processed with in ten busin ess days, but has failed to do so time and time again.     More rece ntly (   XXXX   XXXX  or  XXXX  ), I have begun making daily requests about this issue, all of which have gone unanswered or unnoticed. They simply refuse to get back to me at all.