WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX from World Finance ( XXXX - XXXX ) shared my private information and conversation that I had with her with XXXX at XXXX XXXX ( XXXX ). I have payday loan accounts at both places. 
I had told XXXX that the next month or two were going to be rough but that things would smooth out eventually ; and that I would be late on my payments. I told XXXX that my Nephew gave me a XXXX dollars to pay on my loan but that he could not afford to pay the late fee. 
XXXX then sent over a person to my home to harass me for the {$15.00} dollar late payment. And they called me often. 
During the next day or so XXXX from XXXX XXXX here in XXXX NM called me ( though I was not late on that payment ) mentioned World Finance and harassed me & gt ; telling me that they did not set up a loan with my Nephew but with myself. XXXX from XXXX XXXX could not have known any what she mentioned to me with out having had a conversation with XXXX at World finance. 
It is true that I am having a difficult time right now making my payments. I am an older widow ( XXXX years old ) and XXXX on a fixed income. 
There is also no way to negotiate with these payday lone companies. I have offered to make smaller payments to catch up ; which they have refused. And that is obvious considering the fact that XXXX from World Finance sent a person to my home to collect the {$15.00} late fee.
I have a Incorrect reporting in my Equifax, XXXX XXXX, and XXXX.Credit report. They are reporting incorrect information and refusing to remove it. I have sent them Dispute letters and asking them of validation including plaintiff, Plantiff 's attorney, Creditors, amount, claims, assets, exempt amount, The exact date of filing. Trustee, who did they speak with They just send letters stating that they verified it with the bankruptcy court! That 's a lie, I contacted the bankruptcy court and they informed me that they DO NOT provide information to the CRA. Also they are refusing to remove chapter XXXX after 7 years. I asked how can there be a Chapter XXXX without plaintiff 's creditors, assets, amounts? They just say it 's verified. 
Your help with this mater will be greatly appreciated.
Capio Partners is proposing that I owe a debt in the amount of {$530.00} to them from XXXX XXXX XXXX. I have tried to dispute this debt on multiple occasions and they're not sending the original contract with my signature on it.
On XXXX.2017 Interstate Recovery Service contacted me about an alleged outstanding debt I had incurred from some sort of transaction that they can not provide me verification for. Something about magazine subscriptions. After contacting them and requesting any and all information pertaining to this alleged debt, they informed me that there was none. No receipts, no judgement, nothing. They could n't even tell me when this alleged transaction took place. I informed them I would not be paying the alleged outstanding balance of {$540.00}, and would report them to the FTC. They still would not provide me with any information at all. I looked up the company on the Better Business Bureau website and the very fist complaint was about something similar, magazines never received and on that case, accounts still requesting money after being closed. All correspondence with this company has a different address and a different phone number than the information given on the BBB website.
On XX/XX/2017 I submitted a complaint to your office pertaining to a problem we had with Ocwen our loan servicer. Ocwen responded that they were not at fault. and I could either bring the loan current or apply for a loan modification. I submitted a complaint to the Attorney Generals office on XX/XX/2017 about this same problem. I received the same response. I applied for the loan modification on by XX/XX/2017. I 'm still waiting to here back from Ocwen. While awaiting a response from Ocwen I recently received a notice of default letter from the XXXX company. I 'm confused can two companies on my loan I 'm concerned that Ocwen may have sold our loan to this new loan companywhile we were waiting for a response back from XXXX the complaint process. Is this process legal? Can Ocwen proceed and we are requesting that Ocwen provide the original loan documents to your office under the public disclosure act. I urge your office do review the loan amounts and fees that have increased. I 'm requesting urgent response to this matter as do to the notice of default letter I have a short period of time before a sale of our property may occur. As a Veteran who has served this country I find this type of lending practices to be deplorable!
Your receipt from TransUnion (Order #XXXX)Here is email I sent to: XXXXTo Whom It May Concern:I did not want this feature ($29.99) and must have accidentally clicked on something that wasn't clearly defined, which is the case with your website.Please reverse the charge or I will be forced to dispute it with my bank. Your website is seems deceptive and causes people to click on things that aren't clearly defined. Also, you make it very difficult to cancel anything including the subscription, the website keeps running you through circles. All of this information I can get free via my free credit report per year also I get it free with my XXXX XXXX Cards...Going to your website has cost me $XXXX already for literally stuff I get for free, it's ridiculous!I'm very dissatisfied with all of your services and believe your website is deceptive in the way it is designed. If I could give you a rating it wouldn't be worth even one star....Thanks literally for nothing but stress-ugh!
I sold my house on XXXX/XXXX/15 and Shellpoint has not reported the sale to XXXX XXXX. My credit report shows I owe a balance of approximately {$160000.00}. This balance is preventing me from obtaining another mortgage.
The finance company has left messages for one of my references giving detail XXXX what the call was about. And left a voice mail at my phone # giving VERY specic details, amounts, dates concerning my account information. I work collections and these specific details, Im told are against the law.
I have had several conversations with collector calls from the company & XXXX XXXX with no results. I never opened, owned, used or made payment on this account. IT IS NOT MY DEBT! According to credit reports, apparently opened on XX/XX/XXXX for XXXX XXXX. Alleged debt sent to XXXX XXXX for collections on XX/XX/XXXX.
XXXX is an on-line bill payment service operated by Quicken Loans and provided by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. ( XXXX ) a unit of Fidelity National Information Services. 

XXXX is in violation of 15 U.S. Code 45 and other federal and state consumer protection laws. 

( a ) Declaration of unlawfulness ; power to prohibit unfair practices ; inapplicability to foreign trade ( 1 ) Unfair methods of competition in or affecting commerce, and unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. 

XXXX is engaging in a deceptive, ongoing, widespread, and systematic attempt to defraud consumers, via automatic checking account withdrawal, for monthly fees for unused services which have been previously cancelled. 

XXXX creates a costly and unreasonable administrative burden on the consumer to cancel a bill-pay subscription and unconscionably and unfairly relies on the extraordinarily high cost of compliance with their cancellation policy in relation to the correspondingly small amount of their monthly fee to effectively bar subscribers from cancelling their subscription. 

Between XX/XX/XXXXand XX/XX/XXXX ( 12 years ) I was charged {$10.00} per month ( as much as {$1500.00} ) for an on-line bill pay subscription I did not use, and for which I still seem to be unable to cancel. 

I had a XXXX account since the year XX/XX/XXXX. XXXX, through XXXX, charges XXXX per month which is deducted from my checking account for bill paying service. I have not used the service, other than to pay an ACH deduction to XXXX for fees, since approximately XXXX ( and probably before then ). I  have attempted to cancel my account multiple times since. I am still getting charges deducted from my bank account for this service. The last attempt to cancel the service occurred on XX/XX/XXXX I have an email from XXXX support stating that they would deactivate the account. Subsequently, on XX/XX/XXXX I  received an email stating that they are going to debit my checking account for a service fee on XX/XX/XXXX. Multiple calls to the offshore customer service center ( XXXX ) did not resolve the problem. This has been an ongoing issue for years due to the relatively small amount of the monthly service fee vs the time and money it cost to fully resolve. 

XXXX XXXX XXXX XXXX, through its subsidiary, XXXX XXXX, provided financial technology services, software and financial services regulatory advice and consulting to its customers, consisting primarily of small to large sized financial institutions. The {$1.00} XXXX organization was headquartered in XXXX, Wisconsin, and employed over XXXX employees in 35 U.S. cities. On XX/XX/XXXX,  XXXX was acquired by Fidelity National Information Services.
I was denied online a copy of my credit report as they said they could not verify my identity ( I believe this is due to confusion with my son 's Texas address which appears to be reported as an address I have lived at [ I have not lived there ever ). I filled out their mail form as requested. I got back a response again asking me to verify my information with full name, SS #, complete addresses for the past 2 years, DOB, copy of driver 's license, and a copy of a recent utility bill. I responded again by using their required form, sending them a photocopy of my current Georgia drivers license, a photocopy of my social security card, a photocopy of my current electric bill, and on thier required form my addresses for the past 5 years, my SS #, full name, & DOB. As a response, I got back the SAME canned form asking for the same identification information again! 
What did they do with the photocopies of my drivers license, social security card, electric bill and other information? I provided each item on their list and checked it off, and even sent back the list with the required information to show I had provided it. I also stamped my current name and address on the front & back of each submitted item, so if it got separated it could be easily identified. What has happened to my information that I submitted to EXPERIAN? Why can they not get this corrected? I feel like I am in an infinite loop! My credit card was recently hacked and I need to see my report!
- In XX/XX/2017 our Mortgage company changed names from Nationstar to Mr Cooper. 

- During this time our mortgage rate adjusted to a $ XXXX monthly increase. 

- Mr Cooper sent e-mails of the change and approaching rate increase which went into our junk mail because we did not know who Mr Cooper were. We own a retail business and receive hundreds of emails a day, most of them junk ... 

- We continued to send our regular payment through our banks auto pay to Nationstar. 

- We were never late in paying as the attached statement shows. 

- The payments were accepted and held, but not posted to our account. We were not informed of this. No one gave us a courtesy call to say that we were short ( not late ) so it went unnoticed. 

- Four months later we did receive a call from Mr Cooper to say that we had short paid 4 months in a row and it had been reported to the credit bureaus. 

- Interestingly enough, Mr Cooper did call us on XX/XX/XXXX just to " check in '' and make sure that all of our information was correct. At no time during that conversation was it ever mentioned that we had short paid for the last three months. ( I'm sure they record their telephone calls so I'd be very interested to hear that call played back. ) - When we were informed of the shorts we immediately remedied the problem and changed our auto pay to reflect the new payment. 

- Since then I have tried, without success, to reason with Mr Cooper to remove the late postings as a courtesy. It is painfully obvious why we were late but they won't budge on their position. 

- After I had written to the Chairman of Mr Cooper I received a package of information from a case manager basically saying that they did everything right in their methods of trying to contact us and weren't going to reach out to the credit bureaus and help us. 

- The one thing they did not do, was to simply pick up the phone when they received the first short pay in XX/XX/2017.
I am a new customer with navient and have applied for consolidation of my student loans, as well as help with my payments lowered ... .I am not seeing any help with them telling me that they could assist me with lowering payments ... I am a single mother of XXXX just getting out of default..please help..
As best as I can tell I had a parking ticket that was unpaid. It appears that this charged off parking ticket was sold to Alliance One Receivables Mgt Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX, Tel : XXXX XXXX Acct # XXXX. 

I dont know who Alliance One is. I never did business with them, nor contracted with them. They put a Key Derogatory on my credit report as if i opened a tradeline with them and defaulted. They reported to XXXX a high credit balance of XXXX and a derogatory late amount of XXXX, as if its an active tradeline. I dont know who this organization is, but they have caused great harm to my FICO score by frauduently reporting a default as a recent tradeline. I imagine this is a patent violation of the Fair Credit reporting act. What is the re-numeration I am entitled to under the act for a willfull misleading false entry on my credit report? Please investigate and sanction this XXXX.
On XX/XX/XXXX it came to my attention that XXXX payments made on XX/XX/XXXX ( {$350.00} ) and XX/XX/XXXX ( {$350.00} ) had not posted to my Navient account. I submitted an online request for assistance. I received an email back saying they had not received the payments and to please send a copy of the bank statements. I immediately ( same day ) attached copies of the payments from my bank and emailed them back. I did not hear back from Navient. On XX/XX/XXXX I called Navient to follow up. They said they had no record of my email and asked me to fax the documents to them, which I did that same day, XX/XX/XXXX. After not hearing back again, I called on XX/XX/XXXX at XXXX and was told they received the fax but did n't not have any record of the payments. I asked to speak with a supervisor ( XXXX ). XXXX told me she would submit an inquiry to XXXX XXXX since they were probably lost in the transfer of my loan from XXXX XXXX to Navient and to check my account in XXXX weeks. After payments we still not posted, I called again on XX/XX/XXXX and asked to speak with a Supervisor ( XXXX at XXXX ). XXXX said the information I submitted was not sufficient and they need the Electronic Fund Transfer ( EFT ) numbers. I informed her my bank does not have access to EFT numbers but I had submitted copies of the payments that included the confirmation of payment numbers. I asked to speak with a supervisor and the call was disconnected by them ( I called from a land line ). Navient has never followed up with me, they did not send confirmation of receipt of my email or fax, nor did they ever reach out to me to let me know the status of my claim. They have never contacted me to help resolve the missing payments, even after hearing back from XXXX XXXX on XXXX XXXX. I am writing to ask for your help. I 'm not sure what else I can do. I have copies of my bank statements showing the payments, Payment detail receipts showing confirmation numbers and a log of my contact with Navient. 

Thank you, XXXX
I was recently denied a parent loan by the XXXX XXXX due information reported to credit Equifax and other credit reporting agencies. The information reported on my credit are as follows - creditors and amounts are : 1. XXXX XXXX for {$930.00} 2. XXXX XXXX XXXX for {$1800.00} 3. XXXX XXXX  {$84.00} 4. XXXX XXXX , XXXX {$110.00} I contacted Equifax and reported the above information as misleading, and they deleted the {$84.00} and {$110.00}. The rest of the reported information was not deleted because according to Equifax, the creditors refused. The fact is I do not have business with people and do not know what these outstanding debts are about. I am asking you to please intervene as I need to get my parent loan approve so my daughter can attend college this fall. Thanks
I received a notification through email XXXX XXXX, 2016, stating XXXX charges had been applied to my account {$23.00} at XXXX in XXXX Oh and {$51.00} at XXXX ' in Delaware as I 'm at home with my card in hand. I immediately contacted the merchants to advise them of the charges while I 'm sitting at home with my card, I was advised to contact my financial institution to dispute the unauthorized transactions. After speaking with the merchants I immediately contacted my financial institution Rushcard to advise them of the charges and were not made by myself, that I have never been to XXXX anywhere let alone in XXXX when I reside in XXXX nor have been to XXXX Oh, I requested to cancel my card and issue another and requested a refund. I was advised that they would conduct an investigation and would be about 90 days before I would receive and answer. In the meantime, I was no longer receiving emails nor text alerts until I made a complaint with the XXXX I then began to receive emails and text alerts again. On today XXXX XXXX, 2016, I received a final determination letter from Rushcard stating no error had occurred and they will not refund the unauthorized charges and that I could request a COPY OF THE DOCUMENTS THAT THEY USED IN THEIR INVESTIGATION TO MAKE THEIR DETERMINATION. I contacted Rushcard immediately to request the documents, I was advised by a representative that there was no such document, I read the letter to the representative and asked to speak with a Supervisor or Manger of the dispute department, I was placed on hold, someone picked up then hung up. I called back and spoke with another representative named XXXX, I explained the nature of my call and again requested to speak with a Supervisor or manger, instead of getting Supervisor/manger the representative said she had someone from the help desk with her and will request the document they used to make their decision sent to my email in an hour. I 've received nothing.
I apply for a credit card with capital one I have excellent credit and my credit score is almost 800 And I have sufficient income to apply for the credit card. for some unknown reason they declined my application I believe that my application was denied because of my race and national origin since there were no other reason given for my denial thank you.
Upon presenting a personal check on XXXX separate occasions, merchants being, XXXX, and XXXX my. Check was refused. Advising me ceretgy advised them not to accept my check and that i need to contact ceretgy i did so XXXX times and each time i was told there was nothing in their system indicating a bad check. Or a debt in collection nothing
I have never once heard of XXXX XXXX   before this problem and because of them, I am even being denied short term loans that have no hard inquiries. They stated that XXXX was reporting a XXXX score back in XX/XX/XXXX OF THIS YEAR, and then a XXXX ... I had never even heard of these people ... when I know I have been working my XXXX off getting my scores up to past 660!! ... I even tried to get my score from them but there is no way in XXXX I am sending every single detail of my personal information to them in order to obtain the " info '' they SOMEHOW already have. I would love to have them shut down because it is causing a bunch of trouble and just screams SCAM!
TDBank is always messing with my mortgage payments. When l am behind on payments and l make the payments. They will always apply the payments towards principal and legal fees and not my mortgage payments stating that i made extra payments ( l am obviously making my payments ). I spoke to them and confirmed that l did not go to court and made the payments before all court appearance why are they charging me fees. A representative that l spoke to that confirmed that the calls were being recorded confirmed that they can not do that and use my payments towards legal fees that do not exist. I spoke to someone today XXXX/XXXX/2015 and she confirmed she submitted the request and they still have not removed the payments from legal fees and principal towards my mortgage payment for the month of XXXX and it is the end of the month. She stated it is being recorded and told me l do not have to repeat myself and l told her this is the second time they are messing up my mortgage account which led to them saying l am now paying for legal fees that l have no idea of and never went to court
My home mortgage was transferred from   XXXX   XXXX   XXXX   to Freedom Mortgage   XX/XX/XXXX  . The loan was paid off   XX/XX/XXXX .  Freedom Mortgage reported a 30 day late for the month of  XXXX  to  XXXX   XXXX  and  XXXX . I have uploaded a copy from  XXXX , showing the account in good standing and not late.   From my understanding according to RESPA  Federal  Guidelines companies are not to report late payments during the first 60 days of the transfer. I have spoken with several customer services representatives who agree this is true and that it should be corrected. I have been trying to resolve this since  XXXX . I have been told that it will take 30 days, to no avail. Then I was told it has to be manually input into the system because it 's paid off, no avail.    Freedom  Mortgage has yet to update my account as paid with  XXXX   XXXX  and  XXXX . They reported the 30 day late after the loan was paid in full and said they have the right to do so because the RESPA expired. I also did not receive a my discharge of mortgage until   XX/XX/XXXX  .
I contacted Experian credit about closed credit accounts from account resolution services in  XXXX / XXXX / XXXX . The company continues to use deceptive practices in order to collect a debts in the amounts of  XXXX  account number  XXXX  which was closed since  XXXX , account  XXXX  amount  XXXX  closed account report dated  XXXX , account  XXXX  account closed  XXXX  amount  XXXX , Account  XXXX  Date  XXXX  amount  XXXX , Account  XXXX  Amount  XXXX   XXXX / XXXX / XXXX .     The accounts all report as closed due to the fact that there was  XXXX  insurance policies to pay the bills from the  XXXX  hospital due to the accidents which was not my fault due to the point i was the passenger in both vehicle crashes. This Derogatory information should Be deleted from my credit report.     The medical billing errors was caused by the hospital for not appropriate billing all three insurance policies. The medical billing errors have been addressed by congress in order to make all credit reporting agencies comply with federal laws of of debt collections due to medical billing errors caused by hospital thus making victims of innocent consumers who was not at fault or liable for vehicle crashes or accidents. The medical information on my account is slander by experian which is harming my financial future.
XXXX is billing me for service at a home that never had XXXX service in it 's history. When calling XXXX XXXX, they do not know what I 'm talking about as they have no information for service at this address, yet they have notified the credit bureaus as an unpaid debt. 

Bottom Line - XXXX can bill every address in country and make everyone pay {$200.00} just to get it removed from their credit reports and they make the dispute process extremely difficult
Santander consumer USA claims I owe them money for a vehicle they repossed and sold and claimed I did n't owe anything. Then I started receiving harassing calls and letters stating I owed fees and surcharges. I have contacted them and even offered to pay the money I do n't owe if they promise to remove the information from my credit and they refuse to cooperate.