WillisBack/dataset-financial-user-claim huggingface dataset:
I have already made payments of more than double the amount borrowed. I have had NO contact with or from this company since  XXXX  or  XXXX   XXXX , at which time I disputed interest charges & wanted a new settlement of the account & they indicated that they would credit my account & I was considered paid in full as I indicated I was going to consult an attorney or file complaints.   On  XXXX / XXXX / XXXX  a call was made to my employer when I was not there & a message was left that " I 'd better call.. '' I called this unrecognized number & gave out my current address, as I did not want anyone showing up at my workplace. A summons in a sealed envelope was found in a neighbor 's bushes on  XXXX . I am being sued for much more than I originally  borrowed ( & alre ady paid off ) plus legal fees, court costs & process server costs.There is NO other attached documentation on this summons. Prior to this I have NOT gotten any letter, etc., that would allow me to dispute and/or dem and the customary debt validation, along with the associated waiting period. I suspect that Harpeth d  ba/ Advance Financial has sold off this loan & the attorney will have a " flimsy sworn acct. '' as " proof '' from Advance. The address on the summons is where I lived TWO years ago, which bears out my suspicions about Advance selling my account to an atty/ ''  XXXX  '', as Advance has had my current address the entire time I was their customer.
Chase Bank Mortgage representative on a recorded call to Chase Bank XXXX XXXX ( XXXX TX ) Branch Employee stated 'there was a process in place by which an heir simply completed paperwork to assume complete and full responsibility for a mortgage with no need to qualify or pay fees '. Chase bank has admitted to finding these recordings and that there is 'at least partial error ' on their part ' and now they want me to attempt to qualify for this loan while they 'see what they can do ' ... 

Based on this information from bank employees from the bank holding my mother 's hoarded, underwater loan, I proceeded to do much work to bring the property back up to value. Work and funds expended included 10 days of assistance by many of my mother 's friends removing items to good will/ other nonprofits, renting large dumpsters and exposing these friends to an environment that the homeowner 's insurance policy claim team deemed Hazmat contaminated. Moving forward to process the homeowner 's policy insurance claim, which included subcontracting o a Hazmat trained cleanup crew and special waste truck for some of the debris. Then moving forward from a gutted property to beginning to restore the property ( all while Chase STILL managed to find reasons to withhold the insurance check in an escrow account! ) This meant withdrawing funds for my mother 's ( now beneficiary ) IRA and accruing taxes and penalties and fees to have the funds to pay the contractor. Now that the property is improved beyond original, Chase comes forward to say there was a mistake & they are sorry ... Sorry does n't fix a broken plate once it hits the floor. You are either pregnant or you are not so there is either a CHASE error or there is not! I would not have endured all the stress, subjected my mother 's friends to the environment, been hospitalized with XXXX, much less spent this huge amount of funds for a 'long term retirement investment ' had Chase simply told me the truth! I would have walked away & allowed them to foreclose on a property that was worth less than half the loan!! 


I have additional questions regarding [ predatory lending as I am curious how my mother, an XXXX deceased military widow whom was retired and unemployed could qualify for thes loan with a XXXX balloon payment to occur 40 years later - when she would be over XXXX years old!
I had consolidated my federal student loans and they never sent me a letter saying my XXXX would be garnished or that I would be in default of my loans soon. As far as I knew when I logged on to my XXXX it said my loans were forgiven. COAST PROFESSIONAL XXXX SENT THE NOTICE TO THE WRONG ADDRESS, AND IT WAS N'T EVEN IN THE RIGHT STATE! THEY HAVE N'T BEEN HELPFUL AT ALL. So now my XXXX payments are being garnished every month, which it was already hard enough to live on what little income I was receiving, now it 's almost impossible. If there is anything you can do to help let me know. Thank you, XXXX
I made my mortgage payment to  CCO mortgage in XX/XX/2015 for the amount of $XXXX.  This is the correct amount of the monthly payment.  The bank cashed the check for $XXXX short.  I was assessed a late charge for the incorrect amount paid to the bank.  I called the bank and was told that this was a bank error and that this would be corrected and had nothing to be concerned about.  I was also told that since I was such good customer, the problem would be resolved that day.  They also said they would credit the dollar shortage since the bank was at fault.  The following months passed and I continued to receive late charges on my monthly statements.  I called every month and was told that the computer was not updated and that the issue would be resolved.  In XX/XX/2015, I sold the property and noticed that I was assessed a late fee of approximately $XXXX.  I called the mortgage company and was referred to a woman named XXXX. She stated that noone in the company had ever states that this was a bank error and my late fees would not be reversed.  I e-mailed her a copy of the check in question and she did see that it was written for the right amount.  However, she stated that she could not determine if the spelled out amount was written as a XXXX or a XXXX.  Because of this she said the bank cashed the check for the lesser amount and that it was not a bank error.  Therefore, she would not reverse the late charges.  I asked to speak with her supervisior, but was denied that request.  Not only did she admit that the check was written for the correct amount, but her associate also admitted that the check was correct.  They have my late charges form the closing already, but continue to write letters to me  regarding this. They also threaten to report this to the credit bureau.
This is a complaint against Experian Department XXXX XXXX XXXX XXXX. I am a victim of identity theft, I have more than a year trying to fix this situation and they do not do anything they arrange nothing, when you call them on the phone they say they are not available and that they call you back and I am waiting for you until today. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days. On the other hand I can not make disputes via online because they have blocked access. what kind of credit bureau is this that does not work. I 'm already going for more than 2 years with this problem. Dispute staff and fraud department staff are poorly educated and do not help you find a solution.
I was locked out of my TD Account online and was unable to pay them. I tried calling to resolve several times and was not successful. After I finally was able to pay them, they dinged my credit report for late payment. I had commitments over the phone that they would not report to credit agencies. When they did, I called them and they removed the inaccurate information. A while latter, it showed up again. I have paid the bill and closed the account but this negative mark on my credit has affected my ability to buy a car and get a mortgage costing my many thousands of dollars. The original charge was {$37.00} by the way. In summary, I was prevented from paying due to their technology, they assured me they were n't going to report to the credit agencies, they did anyway, they rescinded due to their error, and then put it back on again. This is an error. I pay my bills on time and I deserve to have a credit score that reflects that.
I requested that the company provide the original contract that has my original signature, proof that this debt originated from my social security number and address with proper identification as well as accounting to show how they arrived at the amount that is shown on the notice and their agreement that they have the legal right to collect on the said debt. I requested this validation and to date I have not received this information. Instead or the information requested, I received the attached letter that states that Ad Astra is not going to provide this information because it was already provided when in fact it was never provided. This unverified, erroneous item is damaging my credit and the company has not provided the information requested for the questionable debt and this debt needs to be deleted. In addition, XXXX continues to notify the credit reporting agencies, deeming this item accurate with no proof. I looked up the policy for information with the said company XXXX and it clearly states that the information in which a customer can opt out of. I opted out of XXXX information sharing in XX/XX/XXXX due to multiple offers that I had been receiving and was not interested in a loan at that time. This is why I can not understand how Ad Astra is verifying ( or ) validating which ever term you set to use that this debt belongs to me. Remove the said item as you have NEVER investigated the item as I originally requested.
XXXX, Experian, and XXXX  will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX Bank. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine in the first place.
I traditionally take and make bi-weekly payments on my mortgage with Stearns lending so that way I can take and make an extra payment as well as so I can take and pay down the principal on the loan more quickly. 
I am not signed up for any bi-weekly payment plan and or service and have always questioned given the quick and easy method by which companies are able to take and receive and apply any payments that come with them why I should have to take and incur an additional cost when I can clearly show that my mortgage company by their own system is receiving my payments but they are are choosing to apply them to the loan on their own schedule thereby forcing me to continue to incur added interest while at the same time they are just able to sit on my money without any added return or benefit for me? 
I have provided a PDF of all payments that have been made every 2 weeks going back to XXXX/XXXX/2014.
Conns appliances is repeatedly calling my home. They call atleast 8 times a day. Sometimes they just hold the phone because my husband answers the phone. It is ok for them to call and remind me, however constant calls are a form of harassment. I have informed them that they should not call after XXXX. I get calls up to XXXX. They have disclosed my information to my husband without my permission. I have asked to remove my number from the automatic dialer with no result.
I have normal credit reports at XXXX and XXXX but NO credit information at Transunion. I have been denied credit several times when a company checks my credit with Transunion and apparently I have no credit. I have filed a complaint on-line and they sent me a form to be filled out and requested a copy of my social security card and driver 's license. I sent all that to them and they still could not provide a credit report to me ( so ... no resolution or information on why they have no information ). I am a joint holder on numerous credit accounts ( mortgages, etc. ) with my husband, so they must have something on file.
Under the new law effective XXXX XXXX, 2017 credit report agencies reporting any public records must contain name, address, SSN or DOB in order to appear on credit file. All 3 credit bureaus have failed to update information per new  law. Bankruptcy on file does not meet law requirements and needs to be removed from consumers credit file.
On XXXX XXXX 2015 I was contacted by " XXXX XXXX '' stating I was being sued by Shell for an unpaid credit card balance from 2003. I was told if I did n't pay I would be taken to court, sued, lose, and have to pay the dept anyway plus court fees. I am not privy to consumer law so I paid the balance because I did not want to deal with the courts. I do n't remember the person I spoke with but I do have contact information for the " XXXX XXXX '' based in New Hampshire and a debt collection satisfaction letter from the " claims department '' which I paid {$310.00}. The letter itself has the name in quotations. I should have researched it more but I was threatened to make a decision in one day. This company also had my personal information and social security number. As I learned more through my lender she stated this was done illegally ; that this " group '' used unfair, deceptive and unreasonable collection practices to re-age a credit card debt, which according to the FTC was time-barred debt. I am writing to dispute this and have it removed from my credit report as it is preventing my wife and I from refinancing and buying a new home. I feel as if I were well informed and went to court ( assuming is was actually a real and legitimate case ) that this would have been resolved and this negative item would have never reached the bureaus.
I have an XXXX Checking account with 5/3 Bank. This account does not allow overdrafts, nor will it charge overdraft fees. On XX/XX/2018, 5/3 Bank allowed 2 different companies to debit my account totaling {$1400.00}, when there were no funds in the account at all. To top it off, I have nothing to do with either company that charged me, and the transactions are fraudulant. 5/3 Bank PAID all 3 transactions, even though there isn't overdraft coverage, and they game me a hard time filing a dispute with them to get my funds back. 

I requested that they give me my funds back and file a dispute, and they gave me a hard time. I am having to travel due to a family illness and needing to take care of a family member over 800 miles away and can not until I get my funds back. It is possible that I not get to see this family member before they pass as 5/3 Bank has refused to expedite me getting a " provisional credit '' back for those funds, and advised me they can not give me a timeframe for if and/or when I will see my money again. I contacted the Office of the President, who then advised me it could still take DAYS to get my money back and that they can not control how slow/fast other departments work. 

No one at 5/3 Bank can advise me why they PAID transactions without funds being present in the account, especially since there isn't overdraft protection on my account. Even if I wanted to add that coverage, I can not as the specific account I have DOES NOT ALLOW OVERDRAFT COVERAGE. They LITERALLY gave my money away when they weren't supposed to and threw a fit with me when I wanted to dispute the transactions. Now, I may never get to see my family member alive again because they did this.
On XX/XX/2018, HSBC bank send me a letter with the information that they will transfer the subservicing of my Home Line Of Credit Mortgage to XXXX XXXX, XXXX ( XXXX ) on XX/XX/2018. What means tha XXXX will perform all services related to my loan after XX/XX/2018. also the letter said that the only change will be where I send my monthly payments, that the transfer does not affect any of the terms or conditions of my original loan agreement. 
On XX/XX/2018 Statement with a monthly payment of {$1500.00} wish is almost 3 time the original agreement of {$530.00}.
An unauthorized charge to my credit card was made by  XXXX  and granted by   XXXX     XXXX   XXXX  without my approval. A class action lawsuit has been filed and is in process against  XXXX  for this practice ( see attachment ). Attempts to clear this up with   XXXX    XXXX   XXXX  via the  XXXX  credit agencies have failed. This unauthorized charge has resulted in a reduction in my credit scores of approximately  XXXX  points and has been ongoing for over 7 years.
I keep getting calls from this company direct recovery services that I have never had any dealings with nor they do say what they're calling about. I never answer these calls and I would like them to stop, they can only contact me via mail.
I have been working with SPS since XXXX of 2016 my file for modification was denied in XXXX I have submitted the additional income that was not calculated in the application and to today every time I call each representative is telling me something different.
While reviewing my credit report a few months ago, I noted an inaccurate report from Enhanced Recovery Corporation account # XXXX with original creditor XXXX. I contacted the creditor by phone and informed them that I have never opened an account with reported creditor on XX/XX/2014. They asked me to send them a dispute letter in writing and I did. Up until today, I have not received a response from them and the account is still showing in my report negatively. can you please help investigate this issue. Thanks
A former employer opened a retirement account in my name for {$100.00} in 2012. I have watched as quarterly fees have steadily reduced it to {$76.00}. I received notice that my former employer was switching retirement companies and that i had the option to cash out the amount. I took the cash out as it was would be unwise to just let it dwindle to nothing with the fees. The rep said numerous times on the call that I recorded that I would receive a check for {$76.00} and never once mentioned any fees. However, once I received the check it was only for {$36.00}. I have the recorded call I can provide you.
Hi, I would like to say that this is overwhelming to me already i have sent letters to all creditors that appear in my credit report that have inquire about me i have ask for them to prove to me that they have got my permission to get my credit report and 90 % of them are all online inquiries and i have not done none of them i also told them in letters to please prove to me its me or to remove the inquiry and they have not responded with proper documentation, and they dont want to remove them selfs only XXXX & XXXX removed them selfs this is hurting my credit reports CFPB please help me get a better responds. <P/>i have hire company such as XXXX & XXXX XXXX to get this issue resolved and no this creditors dont want to get out of my report.
I used citibank diamond preferred master card credit card for making paying towards XXXX to bureau of XXXX on XXXX XXXX, I also make payment of amount XXXX dollars towards my internet connection provided by XXXX The citibank fraud department disputed these charges the XX/XX/XXXX without my authorizational and didnt not contact me or seek approval regarding this dispute at all. It should be consumer who need to initiate the dispute. 

As a result XXXX was declared void and I received a letter in XXXX from the bureau of XXXX to make the payment plus XXXX dollars file because earlier credit card payment was disputed and refunded. The method of payment needed to be personal check or cashier check. I make the payment via personal check of amount XXXX . 
In XX/XX/XXXX the citibank for some reason make the payment of XXXX dollars to Bureau of XXXX, this also without my permission and I happen to know about this by finding this transaction in my XXXX statement. Now, there is double payment to the Bureau of XXXX. 

The citibank is consistently avoiding to resolve this issue and trying all the delay tactics to not to recover the amount. This include blaming me for this fiasco and not accepting their mistake, forwarding the case to citibank investigator. The whole issue is created by the citibank and I have not role and input to their actions. I need help resolving this issue The citibank was wrong in 1 ) disputing the charge the first time without my authoirization 2 ) Keeping me in the dark during this dispute process and not seeking my approval 3 ) Making the payment on XXXX XXXX on my behalf without my approval and without notifying me 4 ) Delaying the reversal of this payment as I didnt authorize this payment. I authorize the XXXX XXXX payment which the citibank disputed on its own As a result I have to exprience 1 ) Fine for late payment and have to write XXXX $ ( XXXX plus XXXX dollar fine ) 2 ) not been able to make payment to the comcast by credit card and have to make cash payment in person 3 ) force to pay XXXX dollars as a result as the citibank is not interested in recovering the amount which they paid without permission. 
4 ) I was forced to take immediate action to avoid voiding the XXXX license because of citibank disputing the charges. and not letting me know that the payment is reversed 5 ) Massive frustration because of citibank delayed tactics. i send the personal check copy as proof of payment three time before the acknowledge receiving it ( as an example ). Any phone call to them starts with their no knowledge of this issue. 

the citibank does not appear to acknoledge their mistake and doesnt appear to address this issue.
On XX/XX/XXXX I sent {$400.00} to my mother via American Express Blue Bird prepaid card. She wasn't a customer at that time, but upon receipt of an email, she followed the directions and set up an account. She input her PO Box and her physical address. 

We patiently waited for her card to arrive. To this day, it never did. About a week ago, I tried to contact the Blue Bird customer service number, but couldn't speak to a live person through any prompts to have this issue resolved. Today, XX/XX/XXXX I finally had to create a XXXX account to ask @ XXXX. They told me to call and not put in any account information and push 0 until I got a live rep. So I did this, with my mother on the line with me. They refused to send the money back to my account, stating that the money had 'already been accepted '. They offered to express mail a new card for a {$20.00} fee. When we stated that we would not do that, they stated that they would send a new one. The problem with this is that her physical address is listed as her mailing address as apparently they ' can not mail to a PO Box '. My mother has no other address to use. ALSO, she can not update her address without the card number being activated. I have tried to get them to place the funds back into my account, but they refuse. They told us to have her sign on and transfer the money back to my account, but guess what?? You can't transfer funds unless you have activated the card. 

I want my money back and they won't give it to me. Please help!
Chrysler Capital is reporting a Charge off on my credit, but it is not a charge off, it is current. Its affecting me from being able to refinance that car because it looks like it is a charged off repossession but it is not.
Sirs : I have spent the last 6 yrs. trying to give XXXX XXXX XXXX and now Portfolio Recovery 20 % of my debt to satisfy it as I did with a {$30000.00} debt with XXXX a few years ago. The time for collection is over. It has been over 6 yrs.since my last payment as I indicated in my first sentence. This debt should be NOT reported any longer on my credit history. This debt is continuing to be reported on my credit history for a longer period than the law allows. 
I want this debt removed from my credit history by. Thank you. 
XXXX XXXX