WillisBack/dataset-financial-user-claim huggingface dataset:
I had two cards with capital one credit card company. During my business with them my identify was stolen and i took measures into contact-ion capital one and during this process there were fraudulent charges that were accumulation onto the card. Capital one did shut, and close both cards but say that want me to pay the money, even though i did not make the charges, there is o liability that capital one has but they keep harassing me.
This company summoned me to court in XX/XX/2017 for this same creditor with the same fake claim. I immediately requested validation/assignment contract from them. Not only did they send me the same robo letter, they illegally tacked on extra charges on their initial claim. Even though I was not satisfied with the proof they provided in the form of robo letters, I agreed to settle the issue with them to avoid having to take time off work to go to court. I agreed to pay {$700.00} to them which was paid in XX/XX/2017. 
Now here we are again with the same issue. I'm being summoned to court once again for the same debt/same creditor, same robo letters stating that I'm being sued for breach of contract. WHERE IS THE CONTRACT that was supposedly breached? This greedy company should not be allowed to continue to harass people about old claims with no proof, only sending fake robo letters. I never signed a contract with them, nor do I owe them any money. I never owed them money in XX/XX/2017, but agreed to settle the account in XX/XX/2017 to make it go away, even though I believed that their first claim was fake. If they have a legitimate claim and are allowed to take people to court, they need to make sure that they have the proper paper work to back up their claims. They don't and they should not be allowed to waste people 's time. I am a hardworking citizen and do not appreciate being harassed by false claims. 
I am not planning to pay this greedy company anything else and I'm asking that you please look into their greedy business practices. 
Thank you.
We were going to pay off our student loan, but discovered the allocation of interest vs. principle was way off, very inconsistent. It seems we have already paid more interest in 7 years than we should have in the life of the 12.1 year loan. Some months they put  XXXX  to principle and our entire payment to interest. Even the statement shows we paid over 7K in principle, yet our balance has only gone down by 2K?
BARCLAYS BANK DELAWARE is posting that my account is a charge off on XXXX and XXXX. i have disputed this account as fraud. The company will not send me any information on when it was open payment history or account info. they have not provided me with anything to dispute.
I made a request to Banco popular XXXX times-one by phone, XXXX in person and XXXX by fax to change my ACH debit account number. Nothing was done. They continued to take the monthly payment from the account that I no longer wanted them to use. Last month, They took my payment XXXX {$120.00} XXXX from the old account and a week later they took an additional {$48.00} from the new account. I called customer service on XXXX/XXXX/16 and I was instructed by an employee named XXXX to fax statement screenshots to start an investigation. After I faxed the documents that day, an auto email was sent acknowledging receipt. but I have not heard anything from " XXXX '' nor have I received any resolution or even a timeframe of when the issue would be resolved. In addition to the unauthorized amount of {$48.00}, my financial institution ( also my employer ) charged me an insufficient funds fee of {$35.00} ... Changing the ACH account number has been such an execise in futility, that I no longer want the change. I am in the process of closing the new account for fear of Banco Popular is using my number to pay another client 's loan. I usually receive a monthly notice of the payment for the regular amount but did not receive XXXX for the mysterious {$48.00}. I can only assume that my account information went to the wrong person. This fiasco started on XX/XX/2016 when I walked into the XXXX XXXX branch to make the second request.Months earlier, I called XXXX but no forms were ever sent to me as promised.
XXXX XXXX XXXX, on XX/XX/XXXX a representative named XXXX contacted me via phone and left me a voicemail to cantact them at XXXX. I contacted XXXX on the same day and spoke to a representative XXXX how stated that my account was past due in the amount of {$42000.00}. I informed XXXX that I have made all my payments and have been paying an extra XXXX above my monthy amout of {$1600.00} for a total of {$1700.00}. I informed her that I had done a loan modification on XX/XX/XXXX, with the previous mortgage company XXXX XXXX who sold my note to XXXX XXXX. On XX/XX/XXXX I was contacted by XXXX XXXX by a representative named XXXX, stating that they had resolved my mortgage and my account was being updated to current but that it would need to be manualy imputed into the system as the computer would not reconize it. I specificaly asked if this would be reported to the credit agencies as Deliguent Account. On XX/XX/XXXX I recieved an alert from XXXX showing that XXXX XXXX had reported my account as Deliquent 30, 60, or 90 ... 
Now my Credit Score went from XXXX to XXXX.
I used to have XXXX as my mortgage. Then my account was sold to Carrington mortgage company XXXX this year. I used to have XXXX bank account from which XXXX drafted my mortgage payment every month. Carrington drafted the mortgage money in XXXX from the XXXX account. However, I close the XXXX account because I do not need another bank account. Then I sent the check to the Carrington in XXXX which was accepted. 
Next month, I send the check amount of {$1100.00} on XXXX/XXXX/15 which is returned. The reason was I closed the XXXX account. They demand to send certified check, which I did. They accepted this payment. 
I wanted Carrington to draft the morgage money from my bank account. They said " no '', with no particular reason to me.
Credence attempted to collect a debt from me in 2016 for services that did not make sense. I referred them to my insurance company and never heard from them again. They contacted my ex-wife 18 months later for a similar debt, but with a different provider. I did not trust their account of the situation in 2016 and this further information tells me that they are fishing based on some illegitimate data.
I refinanced my mortgage with the original loan company that provided me my first time home owner loan. I was very comfortable with Envoy and their services. My refinanced loan was immediately flipped and now managed by PHH mortgage. I reduced my mortgage in my refinancing by a few hundred dollars. Now, under PHH mortgage they are charging me a " fee '' $ XXXX+ to pay my mortgage online?? I find this absolutely ridiculous in the day and age of online payment and really feel like they are taking advantage of folks. I do n't want to be even dealing with this company, received no notice of any of this occurring and really feel powerless and concerned.
synchrony bank /old Navy has been reporting a fraudulent account on all three of my credit reports for years now. # XXXX this account was not opened by myself nor used by me. I was not at the address they supplied me, at the time they claim an account was opened and used. I 've asked repeatedly for a signed application or signed receipts showing my signature. they have refused to supply this information. this fraudulent account is preventing me from obtaining new credit and is damaging my good name. it seems very stressful and upsetting. I have an old Navy account that I did open myself this year that is in very good standing.
My complaint is against a company known as " XXXX XXXX XXXX , XXXX ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XX/XX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX  XXXX XXXX XXXX XXXX XXXX and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX XXXX mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XX/XX/XXXX, they have it reported as being opened on XX/XX/XXXX. Needless to say, this should be removed as I do not owe anything to this company.
I am a XXXX XXXX XXXX XXXX in XXXX, Florida. I submitted myself and my information for a background check to First Advantage, XXXX. XXXX XXXX, XXXX, IN XXXX. 

The background check was completed and a report from First Advantage was delivered to me on or about XX/XX/XXXX. 

The report, which was also provided to the XXXX XXXX XXXX XXXX, Acct # XXXX, included information alleging that I had been placed on probation in XXXX County for a one year period for a crime committed in XX/XX/XXXX. If the Company, First Advantage, had looked further into the charge and the alleged date of commission, they would have discovered that I was still in Elementary school at the time and this charge could not practically belong to me. I am embarrassed and humiliated that further questioning of me or research into the information was not completed by First Advantage. The negligence in handling the background check under these circumstances is inexcusable. A False report has now been provided about me. I have contact the agency where the charge was allegedly filed ( XXXX County State Attorneys Office ) XXXX XXXX, FL and have been advised that no charges exist under my name. 

I want the Consumer Financial Protection Bureau to investigate the error in reporting by First Advantage and I want Agency to be reprimanded for their negligence in handling this case. The Agency MUST send immediately a corrected report and an apology to the XXXX XXXX XXXX XXXX for causing me this harm. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
I am not sure where to start on this matter because I am highly upset with ACS education to the point where I have filed formal complaints with several institutions ( XXXX, U.S. Department of Education, etc .... ). 

I have been diligently working since XX/XX/XXXX, trying to work with ACS in regards to the XXXX students loans. I recently consolidated my loans with the Department of Education/Nelnet in XXXX XXXX. I have had a great experience with them in the past, so I wanted to include my XXXX ACS loans in the consolidation. Long story short, XXXX has sent over a number of XXXX to ACS only to receive several different responses : There is a XXXX balance ; we do not have the loans ; We no longer have the loans because they are in the process of being transferred to NSLP ; we have the loans, but they are unable to be included in the consolidation because they are " Temporarily Uninsured ''. That was information that was sent back to XXXX in regards to the XXXX. I was told by ACS education that the XXXX were NEVER received, so XXXX was sent manually. I have been given so many different stories. 

I decided to open up a case with the Office of Ombudsman in which they have been trying to get in contact with you in order to get this squared away. In addition, XXXX sent another XXXX out to ACS. Since you were out of the office last week, I decided to call XXXX XXXX in regards to a deferment to my loans since I was in school. He flat out told me that there was nothing I could do because of the status of the loans. Then he rudely suggested that I needed to wait to on you to get back in the office and flat out hung up in my face. Luckily, I have started to record all of my conversation with you all so that I can submit this with my case. 

The issue I am having is ACS is steadily reporting to the credit bureaus when it has been confirmed by the Office of Ombudsman that if they loans are " Temporarily Uninsured ''. The National Student Loan Database shows that the loans were in that status effective XXXX XXXX, XXXX which means that the late payments should come off of my credit reports across XXXX, XXXX and XXXX. On the other hand, the Grantor advised that the loans were in good standing based off of what ACS has been providing National Student Loan Program ( NSLP ). If that is the case that my loans are in good standing, there should be no problem will releasing my loans to XXXX. 

This is truly my last attempt in trying to get the late payments removed from my credit reports from all XXXX credit bureaus and to have those loans released to Department of Education/XXXX.
I have been sending disputes to Experian every 35-40 days since XX/XX/XXXX and on multiple occasions the results where received after 30 days or not received at all until XX/XX/XXXX when it was submitted and results where given in less than 4 hours which tells me that the did not even investigate the disputes at all. I even sent letters for verification of method used to investigate and haven't received any response either.
I applied for and was approved for a loan with Avant Credit, issued by XXXX on or around XX/XX/XXXX. At time of application/loan approval, terms were not disclosed such as interest rate, which is a high 35.9 %. This was found out about after it appeared on Avant website, it did not previously show before. Ive been making payments on the loan and they do not begin to cover the principal due to high interest rate. My credit score was in the mid to high XXXX range at time of opening and my rate should be based on that score and not 35.9 %. A XXXX complaint ( XXXX ) complaint was filed, however, not resolved. Avant rep ( s ) claim terms were disclosed to me and were not. I just received the full terms via email after asking a rep for them, these were not sent to me before. I did speak with a XXXX XXXX and unfortunately, was unable to resolve the matter. My XXXX claims he has screen shots showing terms, rate, etc.. However, it is highly unlikely he knows what appeared on my end, on my computer, at time of application. Had I known about this high interest rate I would not have applied as I will be paying back more than double the loan amount after the term ends. Please note, do not mark this as duplicate as there is additional information enclosed.
Since XXXX 2017 I have disputed a bankruptcy on my credit report that is not mine, Equifax, XXXX, and XXXX are claiming to investigate it but my contact to the court denies this. Equifax claims to get this info from XXXX who I did contact by certified mail with no response ...
WELLS FARGO DEALER SERVICES, Are Report that i was late on a payment, I have never been late with a payment, the report me late one-time on my credit report. Never Never Late!!!!!
Called me from GF Group, and had someone locally also call my phone claiming they were going to send someone to issue me a summons. On a bank that I have n't had in years! Wont provide me with a way to legitimize their business. Can not get any info from them.. very rude.. called me from XXXX different number + blocked numbers. Gave me a fake case number. 

Harassing my phone and threating me with legal action.
My complaint is against  Professional Collection  Services. They are trying to collect  XXXX  debts in the amounts of {$330.00} and {$1000.00}. I have searched my personal files and have found nothing that would indicate I owe this debt. I have requested they send me proof of the debt but to date they have ignored my request and keep sending letters stating I do owe the debt. i have received no proof that I have requested. How can a third part try to collect on debts when they have no idea if it 's a real debt or not? They can insist a person owes the debt but can offer up no solid proof of the debt. This is not acceptable. They ca n't just expect a person to pay a lot of money without proof of the debt..
The following account is back on my credit report after Equifax deleted the account on my credit report on XXXX XXXX, 2016 : Account : XXXX XXXX This account do not belong to me. Review Equifax Confirmation Number : XXXX.
We had have a mortgage for our home in Florida since XXXX. We were not able to make our payments and entered into foreclosure proceeding in Florida Court. 
We went through many attempts to modify the mortgage. In XXXX of XXXX we were offered a modification that we accepted. We made the payments required. In XXXX of XXXX the servicing company made a offer of a permanent modification that was NOT as offered under the proposed modification. We made it clear that we would not accept the permanent modification as offered. We sent them a letter to that effect. We also sent them a counter offer to their proposed permanent modification that more closely reflected the modification that was originally offered. They signed the counter offer and returned it to us. The foreclosure action was dismissed and the law firm that represented the mortgage investor/servicer sent us the modification via email along with sending it to us via XXXX Mail. 
Since the servicer has ignored the modification that we agreed to and is servicing the account as if we had signed the original modification as offered. They have acknowledged that the modification they are servicing under is not the modification the parties agreed to and signed saying we fraudulently and unilaterally altered the agreement, even thought they do not dispute that the agreement they signed and returned is the agreement we signed and sent to them. We did make changes to the agreement and sent it back to them, we told them we were going to, we told them we did XXXX Section XXXX paragraph H, attached modification agreement ) and they agreed to it in the modification as executed between the parties. Further they agree and acknowledge that the agreement that are servicing under is not he agreement they or we signed XXXX XXXX XXXX, XXXX letter attached ) and they are fraudulently and unilaterally servicing under an agreement we do not have and was never agreed to.
The total amount is XXXX that was my taxes that netspend loaded onto a card that I reported stolen they allowed the card to be used and all money was drained. I reported to them last year that my identity was stolen, and they refused to do nothing about it. I have proven that this was not me by way of filing an FTC report a police report and by other means. I was told I would have a credit now they suspended all services to the card, and will not give the money they owe me.
Dear CFPB, Last year I received a bill from XXXX. However, I never signed a contract with them. A while after I checked my credit report and an address was found. This was an address I was never familiar with. I reported this dispute last to Experian, not much was done. Please respond to the earliest convenience. I can be reached in the early evening XXXX. 
Thank you again.
I'm in the process of purchasing a home and XXXX credit agency has my credit score in the high 500s where the other credit agency have me in the highest 600 ... I'm making every attempt to contact XXXX to see what they have on record and they're not allowing me to get access to my report without and putting my credit card information.. I really just want them to look at all of my trade lines that are old, remove them and update all current and existing tradelines to reflect accurate information so that my credit score is consistent
I want to report two banks to the federal government. 
One, is XXXX. Routing number : XXXX Account number : XXXX. This bank sent me a check in the amount of {$2900.00} ( Found out it was a scam, fraudulent check ). BB & T, has the impression of the check that hit my bank. 

Two, is XXXX bank I attempted to pay this bank off, {$25000.00}. They tacked on fees and interest which they were blackmailing and extorting more money out of me. 

Thank you, XXXX
Experian continues to display a dismissed bankruptcy on my credit file .The fair credit reporting act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings.Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law. 
Therefore, pursuant to section 1681 ( c ) ( 5 ) of the FCRA, it must be deleted from my credit file.
( SEE ATTACHED LETTER )
I do not owe Diversified Consultants. Ive never discussed business with them and no contracts were signed.The account that they are referring to was a result in identity theft and has been resolved. I have hired an attorney to peruse will legal matters if Diversified Consultants continue to report false information to the credit bureaus. Ive attached proof that this account was deleted. This acount has been flagged for fraud. Please remove all inaccurate, false information from all credit reporting agencies.
Nationstar mortgage overcharged me in my payoff of my loan. They gave XXXX payoff amount, which was paid to them, and then they said that I owed more money, and gave me a new payoff amount. I had to pay interest for the difference, which amounted to {$580.00}, which I was overcharged. Nationstar assumed my mortgage one month before I sold the house, and when I called them to ask if they were going to do an autopayment, they said no, to send the mortgage check, which I did. They then XXXX cashed my check and extracted an autopayment for the same month, within days of each other, which resulted in a double payment for the month and overdraft fees in my bank account. When speaking with XXXX XXXX at XXXX x XXXX, he agreed that I had been overcharged, but since then has not returned any of my calls. Nationstar was completely at fault giving me a wrong payoff amount, and I should be reimbursed the {$580.00} I was wrongfully charged in interest.
My name is XXXX XXXX XXXX am very frustrated with Equifax, I 'm trying to fix my credit report more than XXXX weeks ago, I send them social sec, drivers license, and utility bill, they confirm me the change of address and when I make a credit report update the old address appears again and every day I have to call and they tell me lies and I feel discriminated .They not fix my address and they made me split file from my credit report because they say this very long and then my new credit accounts do not report them because there is no space. That is not right, please help me to fix my credit report ..I have read many complaints about Equifax be doing split file to many people, please I want just one normal credit report with all my new credit accounts. Thank You
I gave credit inquiries on my credit report that I dont recognize and I did not authorize.. Someone tryed to open new accounts in my name and will like these inquiries deleted from my credit report ... .. I also have addresses on my credit report that I have not ever been associated with and will like them deleted from my credit report thanks
I've disputed this several times. 
I've been living in XXXX  for the last year and before that XXXX.