WillisBack/dataset-financial-user-claim huggingface dataset:
This is a judevent that has been removed from all other XXXX and XXXX. The account is also over 7 years old.. I have spoke the customer servicell also. customer service would not help and take care of the negative reporting to my credit report.
DITECH FINANCIAL LLC applied my payments for XXXX and XXXX to an incorrect account. It took 3 months for us to get them to correct the issue and apply the payment to the correct account. Now it seems they have reported us as 30 days late for the XXXX payment with the credit reporting agencies.
The Account for Child support was placed in collections in the year XX/XX/XXXX, I have filed multiple disputes and sent letters to Experian and the accounts continued to reage, Now it's showing on the reports as closed but negative with late payments, Therefore this account should have been removed no later than XX/XX/XXXX but is still being reported.
I have an unverified account from AMCOL. I had previously disputed this account. I have never done business with AMCOL. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMCOL Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMCOL Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
XXXX XXXX, 2017 To Whom It May Concern, This past XX/XX/XXXX/XX/XX/XXXX, I filled out Public Service Loan Forgiveness Employment Certification Forms for my former employees - present employer. In total, I submitted five forms : 1. Employer # 1 ; 2. Employer # 2 ; 3. Employer # 3 ; 4. Employer # 4 ; and 5. Employer # 5 ( current employer ) 4 out of the five forms were certified, however, the Employer # 2 employment certification was not due to a discrepancy regarding my start date. I have since corrected the Employer # 2 employment certification form and resubmitted it to Fed Loan Servicing, using their online submission form, four times already. However, each time I 've resubmitted the form, the certification has been denied, leading me to call Fed Loan Servicing multiple times to clarify my start date ( which is explicitly stated on my form ). Each time, I 've had to go through my entire employment history for the four other forms that have already been certified, and during each call, the Fed Loan Servicing representative takes a few notes stating that they will " look into the issue. '' Moreover, my employer has even called Fed Loan Servicing direclty providing them with the correct start and end dates of my employment. Yesterday, I spoke to a Fed Loan Servicing representative to explain the situation again. I expressed my frustration as I went through my employment history, and as the representative listened even, she expressed confusion and frustration as to why the Employer # 2 employment certification form was not yet certified because based on her analysis, there were no discrepancies in any of my employment forms ( e.g., start dates ). Despite this, she gave the same response I 've received from them every time I 've called, " we 'll look into this. '' I do n't know what else to do at this point because I 've resubmitted and trying to get the Employer # 2 employment certification form certified four times now. As such, I hope you can help resolve this issue for me.
Thank you!
I have repeatedly requested that Collection Consultants of California provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
This issue is related to Kohl 's Department Store Charge Payment # XXXX. I made payment of {$150.00} on XXXX/XXXX/2015. My checking account was debited twice for this amount for a total of {$300.00}. When I called the company to reverse the additional payment they said that they would issue a check in 90 days for that amount. Now I do not have access to my money for 90 days and they have no intention of paying interest on the amount they are " holding '' for that period.
On XX/XX/2015 I cancel my XXXX for XX/XX/2015 my balance on XXXX was XXXX On XX/XX/2015 payment of XXXX was withdraw from my checking acct. Only XXXX was deducted from my balance On XX/XX/2015 payment of XXXX was withdraw from my acct. I try to correct this problem with directv. After many calls finally reach human being, all she could do give me an address I send all my documents and no respond. 6 months later collection agency mail me letter, I contact them and no respond. Now one year later, other collection contact me .Once again I have to correct XXXX mistakes. I owe XXXX nothing.
Experian Report # XXXX XXXX : Experian Dispute Filed XX/XX/XXXXAccount : XXXX XXXX XXXX Account # XXXX I filed a dispute directly with Experian on XX/XX/XXXX and was notified of the dispute results on XX/XX/XXXX. The dispute results indicated that the information in question had been " updated '', however, the information was not updated, nor was it corrected. 

I strongly believe my reason for dispute may have been misunderstood given the extremely limited information I provided due to the diminutive amount of commenting space allowed per the character limit imposed by the online dispute system. 

Please see attached file for a full detailing of the issue ( s ), including all relevant supporting documentation. 

Please Note : The enclosed file is a total of nine ( 9 ) pages. 

Thank you. 

Sincerely, XXXX XXXX XXXX
I have XXXX in student loans after attending XXXX. Applied for a reduced payment plan because even at XXXX % the XXXX payment was too much. The reduced payment plan was for XXXX a month but I was n't approved, for the next XXXX months Navient took XXXX per month from my savings account without telling me. In fact, they continued to send me default notices even as they were taking my money. It was n't until I needed to dip into my savings account ( that I 'd had for years ) that I realized my funds we being siphoned. I called Navient and they informed me that by applying for the program I had also allowed them to take the money regardless and that since I was denied the program the funds being taken were not enough to match the expected payment of XXXX so I was still falling into default.
Transunion and XXXX are not removing a XXXX XXXX account that was put on credit in error. XXXX has removed this in a timely manner but Transunion and XXXX  are still reporting this inaccurate information.
We are selling our home with a short sale due to us being unable to make the payments any longer. We have two loans, primary through XXXX XXXX  and HELOC through an investor being services by SLS ( Specialized Loan Services LLC ). Both XXXX and secondary lien holder have approved the short sale. XXXX has given us a deadline of XX/XX/XXXX to close the sale or they will begin foreclosure. However, SLS ( who do not own the loan but simply service it and get paid for it by the investor ) hs made everything possible to jeopardize the closing before the deadline. They have been very slow to provide documents needed for the closing, they have sent the wrong documents and despite daily calls from us and our realtor they refuse to meet the deadline for the closing. we feel they have been doing this intentionally because they get paid service fees for the loan and once the loan is closed they will no longer be paid. Their inaction is leading us to foreclosure and we feel we have done everything within our power to complete this short sale and avoid foreclosure. SLS is jeopardising this short sale, despite prior approval by all parties and we need your help.
We submitted every requested documents to Select Portfolio Servicing but it seems that they are asking for documents on a piecemeal manner thus prolonging the short sale process. It appears that they are not seeing the urgency on our case as they will just say that they need another 30 days or for every document that they ask and receive from us. We have a very good offer on hand and there's a tendency that the buyer might walk away because of the prolonged process.
XXXX customer for agreement period of 3 years XX/XX/XXXX-XX/XX/XXXX. Let service continue till I relocated in XX/XX/XXXX. XXXX claims I owe a cancellation fee. I asked for copy of contract and supporting documents from XXXX and Receivable Performance Management. XXXX says they have none but to look at their website for policy. I said show me agreement from XX/XX/XXXX when i enrolled. They turn over to collections which hit my credit report XX/XX/XXXX. No notification, warning. Received call from collection threatening if I dont pay they would report to credit bureaus. This call took Place XX/XX/XXXX. Thus 3 months after it had been placed. Want this removed from my perfect credit report at all XXXX bureaus. Receivables Performance management is Collection Co out of WA state. Thank you for the time
XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. XXXX, Transunion, XXXX. XXXX has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and equifax refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both transunion and XXXX has removed these accounts and blocked them. XXXX has not completed this investigation in over 60 days
I called well Fargo on XX/XX/XXXXXX/XX/XXXX and to do a balance transfer and I ask for XXXX dollars to be send to a bank and I realize I gave them them the wrong account number and I I called a week later and I ask for the funds to be reversed and they are unable to do so and want me to called XXXX XXXX and I called XXXX XXXX and they told me to call well Fargo and talk to them and second problem is on XX/XX/2019 I sent a check in the amount of XXXX to well Fargo account number ending XXXX and on theXX/XX/XXXX the XXXX was reversed without my permission and I notified XXXX XXXX  and they told me they never requested for the XXXX to be reversed and Im trying to get a grand total of XXXX plus the balance transfer fee of XXXX refunded back to my credit card ending XXXX
There is a late payment on my Experian credit report. It was removed and now has been reinserted on my credit report.
Hello, I applied for a Student Credit Visa through US Bank on XXXX XXXX of 2016. I received XXXX " hard '' inquiries by : XXXX XXXX, and Us Bancorp. I understood I would receive XXXX hard inquiry. However, I talked with a banker or customer service rep on the credit service of US Bank. They said that it did look odd like it may have been run an extra time. 

I reviewed the contract very thoroughly and do not believe they were authorized to run it more than twice. If I have made a mistake on my end in any way I take full responsibility for the extra hard inquiry on my record. My email is XXXX for additional information required. 

Thank you for taking the time to review my complaint. 

Best Regards
Hello I am filling another complain on this debt that already been close by another agency account number XXXX it was close by the CFPB on XXXX18 at the time the agency was XXXX XXXX XXXX. And as of XX/XX/XXXX it was reported on my credit again by another company by the name of. XXXX XXXX XXXX XXXX for the same amount which is {$2800.00} there Address is XXXX. XXXX XXXX XXXX, FL XXXX. Tel.XXXX and its also saying Bureau name is XXXX XXXX XXXX this is a new company from the first on that it was close under so I am asking again please to let them know its not me thanks
Primary cardholder died on XX/XX/XXXX. I notified Citi-Bank by telephone shortly after - and the account was summarily closed. I requested a final statement. I began receiving phone calls from XXXX XXXX  which I did not answer - as did other family members - nor did I respond to their letter. There is no probate estate - there is a living trust - I am the surviving trustee and administrator of the estate. 

I called Citi again - explained the trust and requested a statement so I could pay the final bill. I was told they could not provide one. 

I wrote a letter to Citi on XX/XX/XXXX requesting a statement and received a " we'll get back to you '' letter dated XX/XX/XXXX. There has been no further communication from C

iti - but I now receive daily calls from Client Services - which I have blocked. In my opinion it is Citi 's responsibi
lity to provide the statement which I am quite sure these collection companies can not do and it is reasonable to request the details of the final account statement. I would like the harassment to stop!
I closed escrow back in XX/XX/2016. My lender knew that I planned on selling the condo after a few years. She ordered my private mortgage insurance ( PMI ) for me which i opted to pay a one time fee of a little over {$5000.00} for a 5 year period. I ended up selling the condo after 2 years and 4 months leaving 2 years and 8 months of PMI unused. After closing I called the PMI company and they said my lender ordered it as a non refundable PMI. When I have clearly talked to her about this. Since this has come to my attention I tried calling her at her old company phone number and it is forwarded to her new company. Which she never answers. When i tried contacting her old company Academy Mortgage, all I get is the run around. I have contacted them about 6 or 7 times. Called 5 or 6 times only to get thrown to different peoples voicemails with no call back. I then resorted to emailing, i got responses and promises of call back and have not gotten anything from them, nor an email back or call in over 9 days. When i asked for the president of the companys email they just push be back to someones admin. I am getting no where with this company and it is extremely frustrating. I will never deal with this company ever again, they are completely rude and unaccomodating.
This goes back to XXXX .I inquired with XXXX XXXX XXXX about attending school. I did paper work and went to school for about XXXX week there. I never received not XXXX check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXX. Servicing showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX XXXX I requested a fraud affidavit they never provided. This is not my debt a d should not be on my credit report
Because I still have debt remaining on my student loan, The Treasury Department is currently deducting money from my retirement SSA monthly payment. Last month, the amount they took out was about {$120.00}. My SSA monthly payment rose about {$20.00} more a month. Yet, the Treasury Department told me that they are now taking out {$170.00} a month. That is {$50.00} more a month than last year, yet my SSA payment in total only increased {$20.00} more a month than last year. What accounts for the large increase in the deducted amount? What is the formula? This is hard on me as I ca n't pay for my health insurance and my mortgage with my SSA payment now.
There is an address on my report that I have never lived at ...! ive never lived in XXXX Ohio in my life!
I have been involved in an ongoing disagreement with the Amazon credit card firm -- Chase Bank USA NA regarding their credit card rules and a disputed late fee charge which is now compounding. I owe no other monies to said firm ; only the late fees and penalties are in question. I just got off the phone with their representative, XXXX XXXX. She told me nothing would be done to explain, correct or ameliorate the situation and " have a nice rest of your day ''. She told me that I was properly informed regarding the cancellation of said card and that according to the recording of the event I was given 30 days to redeem my points. I do n't know if XXXX XXXX is lying or merely misinformed but this was not the case. Nor did anyone at any time make any effort to explain to me what are the actual rules regarding my usage of the Amazon/Chase credit card. I doubt that this further effort at seeking equity will make any difference but at least I will have made a formal complaint against and company and policy I consider to be entirely wicked.
I got behind on mortage payments. 
and I sent all information that the mortage company requested and received a repayment plan that I could not afford because they used my fathers income and he does not help or live at this residence. I was told by them Carrington to do a Quit Claim Deed I did so I could submit paper work only for me and I sent them a copy they have on file because I called them to check if received.So now I have received XXXX calls and XXXX letters telling me I have to send in information for my dad even though I did the quit claim deed. 
I have given these people everything they have asked for.I have a XXXX counselor who has faxed everthing to them. I am not trying to loose my house.Now I was told to fax in a request for a loan assumption package I do n't understand it 's like they do n't care if you have done everything they asked and in time.
I have contacted these companies to inform them that there are unauthorized inquiries on my Credit Report and they have not removed them Inquiries Trans Union XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In the past six months I have had a number of shockingly large and unexpected interest charges levied on my AMEX account. 

As background, I 've had an AMEX account continuously since XX/XX/XXXX. I run several XXXX XXXX dollars through my AMEX card every year, and I also run a business whose employees use AMEX for corporate travel. I always pay my bill in full each month. 

In XX/XX/XXXX I had a payment of {$21000.00} due by XX/XX/XXXX to avoid interest charges. AMEX received it on XX/XX/XXXX. The interest charge for ten days? {$800.00} or 3.8 % of the amount owed or an annual rate of almost 140 %! In XX/XX/XXXX it happened again. This time, it was interest of {$670.00}. Payment in that case was received by XX/XX/XXXX and was due by XX/XX/XXXX so I have no idea why any interest was charged. There was another charge, ofr {$630.00} ; payment that month was due by XX/XX/XXXX but was not received until XX/XX/XXXX. 

I called AMEX, to no avail -- their customer service reps have no idea how AMEX computes interest, and then wrote AMEX two letters. The response to each was a form letter referring me to the Card Member Agreement. The Card Member Agreement is a ( no doubt deliberately ) obtuse and confusing document ; I say this as a XXXX of XXXX and someone with a XXXX in XXXX who nonetheless struggles to understand what the Agreement says. AMEX divides charges each month into various buckets and then charges different interest rates and fees and penalties on each bucket depending on all sorts of things. Calculating whether an interest charge or a late fee is valid is impossible and trying to dispute it with AMEX is even worse because you need a PhD in the different ways AMEX rips you off to be able to argue effectively with AMEX. 

AMEX ' stated interest rates are usurious and predatory. AMEX for one bucket charges a flat late fee of 2.99 % even if a payment is only one day late! That can be thousands of percent per annum. On other buckets, it will charge a rate of up to 29.99 % per annum -- when interest rates are at historic lows. 

This may all seem like a bit of a rant, but I would urge anyone reading this to read the AMEX Cardmember Agreement. They differ by the color of one 's card. I have the one for a Platinum card holder. It is absolutely impossible to decipher and the result is that consumers can not verify whether anything they are charged is reasonable or, even if it is unreasonable, whether it is consistent with the agreement. Its customer service staff are not competent in this matter, and if you write them a letter to ask about an interest charge, they simply write back saying that all charges are consistent with the cardholder agreement and refer you to the cardholder agreement. They will not address any specific questions asked about a charge relating to interest. 

AMEX clearly engages in unfair business practices by not providing a straightforward basis for consumers to understand what their charges are, and their charges are usurious and predatory. AMEX ' practices are a perfect example of why consumer interest rates need to be regulated again.
Equifax was the victim of a large scale data breach that resulted in my and others identity and other information being stolen. This is due in part to gross negligence on their part in the realms of consumer protection and information security. Because of this negligence millions of people have been compromised and will likely suffer a great deal of hardship, all of which was entirely avoidable if proper attention was placed on safe guarding consumers and their data.
Saxon sold our borrowers loan to XXXX and I have been trying to get a release, XXXX got back to me and said yes. The release dept discovered that yes they did receive this file from Saxon when they closed but Saxon had already liquidated and charged off the account so all XXXX did was upload the file and did nothing on it as they realized Saxon sent them an already closed out file. They said they have several like this. With Saxon no longer in business, XXXX did give me XXXX number that is still in use where they just handle archived files. I called that number and it is nothing more than a message and it states if you are looking for a release you have to mail it in and gave a XXXX then says thank you goodbye and hangs up. You can not get a live person at all. I can mail it out however I can not even do XXXX with a XXXX. Just let me know what you would like me to do.