WillisBack/dataset-financial-user-claim huggingface dataset:
I had a credit card with XXXX in XX/XX/XXXX and was recalled to XXXX as a XXXX, I requested the SCRA 6 % APR on the XXXX Visa account balance of {$5100.00} and a 34.99 % APR, I also tried to cancel the Credit Card Protection Plan that I had been paying for, because it was n't going to cover my payment protection while I was on XXXX and it was causing my account balance to stay over my limit each month. The XXXX Visa account was closed in XX/XX/XXXX, but the CCPlan continued to be charged to my account, as well as the 34 % APR until XX/XX/XXXX and once XX/XX/XXXX Applied the SCRA provisions to the XXXX visa account, and adjusted the balance for the interest in XX/XX/XXXX, the never refunded the Credit Card Protection Fees Charged and it was well over {$1500.00}. I paid off the balance on the XXXX account, but disputed {$900.00} for the CCPlan. I XXXX to XXXX in XX/XX/XXXX and when I returned the credit card account number reported was changed to a number I was never able to get the last four numbers for. I had disputed the account on XX/XX/XXXX with Trans Union and it was removed. I filed a law suit for SCRA violations and never able to filed the complete 3rd credit card number in the Complaint, I had to deploy during the case proceedings and it was dismissed. I was XXXX in XXXX in XXXX and my Clearance was Adjudicated and the XXXX Visa account was reported as the {$910.00} being Charged off, but it was the same number that was n't my account, and the POC wanted to know if XXXX has paid me or had been attempting to pay me. As I said, the disputed amount was for charges that the CFPB had Settled in a Consent Order in XX/XX/XXXX, and a check had been sent under the last four numbers of the account, but I never knew it was about my credit card until now. I wanted to see why XXXX has continued to report my XXXX Visa account as Charged off when they paid me more then the amount claimed were charged off under the credit card account number being reported with all XXXX Major Credit Reporting Agencies? I 'll provided the account documents to verify that my account was apart of the CFPB case in XXXX, and the credit card account is effecting my ability to continue my work currently. But I do want to THANK the CFPB for doing so much to fix a failing system, you have been hope for a lot of Servicemembers who had given up. Thank you
On Friday, XX/XX/XXXX around XXXX a XXXX XXXX from XXXX XXXX called my mother and threatened to further escalate his attempts to collect on a past due credit card payment. He has also called other family members and disclosed that he is attempting to collect a debt. I called XXXX, a debt counselor, to assist me in managing my debt and they recommended I file a complaint. They said anyone calling to collect a debt may only ask if I am there and how to reach me, not disclose that they are collecting a debt and certainly not to threaten further escalation of said attempt to collect upon this debt.
I have disputed the these late payments on 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 for months. XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Ive spoken to several RUDE representatives since Ive been dealing with this company for 9 months. Its unbearable! I make my payments every month they may be a couple of days late, but never too severe for the treatment that I get when speaking to someone over the phone, it makes me angry to even call in every month to make my payments, if the store wasnt so far I would just drive there to make my payments. My other concern is that Im making my payments, but my balance is increasing and when I call in to find out why theres the attitude Im getting from the representatives. Im stuck and I dont know what else to do. I just received an alert from my credit advisor and stated that my credit balance has increased by {$100.00} which has gotten my credit utilization up and its stating that my account is 30-59 days late which has now dropped my credit score. I am in the process of buying a home and this is going to hinder me from moving further. Its causing an emotional toll on me and its financially straining me. Im at the point of turning this over to my attorney to have him further investigate ALL of my issues and having him subpoena ALL of the calls and pursing legal actions against them. I just made a payment of {$85.00} and Im not understanding how my balance is still increasing. I am giving this 30-days to handle this situation, if not I will be forced to pursue with legal action.
I received XXXX letters for regarding accounts # XXXX and # XXXX. The letters from Financial Credit Services were dated XXXX XXXXXX/XX/2015. They said I owed XXXX amounts XXXX {$250.00} and XXXX {$500.00}. It said it was from XXXX XXXX XXXX XXXX, but did n't give any detail. I did not recognize the debts and do not believe them to be mine, so I requested validation and proof I owed them the alleged debts. In the letter I requested competent evidence I had a contractual obligation to pay them the alleged debt. I also disputed the debt and asked for validation including copies of any agreements signed by me, explanation of the amount, identify the original creditor, if any insurance claims were submitted alone with either documents regarding assignment of the alleged debt or proof the alleged debt was purchased. I later received XXXX letters, XXXX dated XXXX XXXX, saying the requested information was enclosed. Neither letter specifically addressed any of my concerns nor provided any of the information I requested. XXXX " letters '' provided online print-out of basis coded information. The XXXX account for {$250.00} did not even list my name but my daughter 's name and the account # XXXX showed my name, but does n't provide any information regarding what the debt was for, that it is my debt. The online prints out are very basic and encrypted. I subsequently mailed them XXXX more letters via certified mail notifying them that the online printouts do not qualify as validation or specific proof the debts are mine or I have any obligation to pay them. I still do not know what the debt was for nor do I have any clue they own or was assigned the debt. Financial Credit Services did not respond do either of the XXXX letters and on XXXX XXXX submitted the debts against my credit report. I believe their practice is against the law and does not comply with the debt collection policies. I do not owe these debts and they will not provide proof I owe them.
I used this credit card with no problem before. I had a dispute still no resolved with them. Then it went into collection. Then A law firm is NOW involved with it, Please help me resolve this issue.
**This is a complaint about NAVIENT loan services** *I 'm not sure what type of loan I have ( Federal or Private ). Every time I spoke with someone from NAVIENT, I was given a different answer. 
*I have been denied income-driven payment methods for the past year. I was always re-directed to the forbearance option each time I talk to a representative. *Forbearance DOES remove the need to make monthly payments, HOWEVER it increases my interest, making my overall payment HIGHER. 
*In order to even talk to a representative about income-driven payments, they had both myself & my cosigner fill out financial statements ... Each of us were forced to fill one out AT LEAST 5 TIMES!! Apparently they do not save this type of information on your account?? 
*One time while filling out a financial statement, one NAVIENT customer service representative accused me of lying about not being able to make my $ XXXX monthly payments by saying " sometimes people CAN pay but they just DO N'T WANT TO. '' *On numerous occasions, I HAVE filed for forbearance, and the next day they were calling my house wondering where my payment was. Do they have no sense of tracking peoples ' accounts? 
*I find it absolutely frustrating that a company offers income-driven loan payments on their website/in writing but once a customer inquires about the payment option they redirect them to forbearance.. WHICH MAKES YOUR OVERALL PAYMENT EVEN HIGHER!
I send the company a Cease and Desist and they have continued to call me afterwards. I understand that Amsher Collection agency can call once to advise me that they received my Cease and Desist however they have called more than once. Some man left a message stating that I need to pay XXXX today, that is XXXX party disclosure, anyone could have heard that message. Also, I current on all account in which the balance is greater than XXXX.
I sold an item on XXXX and shipped it to XXXX using XXXX. The tracking number indicates that the item is located in the XXXX XXXX XXXX XXXX XXXX. I have documentation of the delivery and documentation from the buyer that he is refusing delivery to his residence. The item is at this address. Office Address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX - XXXX XXXX Telephone Number. : + ( XXXX ) ( XXXX ) XXXX, XXXX Email : XXXXXXXXXXXX
First things first I had thought I had switched from doing monthly payments earlier this year to auto-deduction-style for my auto loan with XXXX XXXX Bank. I was mistaken in this assumption from my conversation with them and once my scheduled payments ended my loan payments went late. 
During a lapse in my payments to XXXX XXXX Bank for my automotive loan instead of calling me on my personal cell phone number which they had on file and which I had their number saved, they called my work phone number repeatedly from numbers that are not registered to XXXX Third bank. Since it was my work phone, I let all non-work related phone calls go to voice-mail and I call them back at a better time, however all numbers came up as well documented spam when researched, when called back were all non-functioning and I could not find out who called. Most importantly they never left a single message in voicemail in their attempts. 

They did tell me during my discussion while getting my account in good standing that they had sent me physical mail, however they all came in the same packaging as my payments had the prior 4 years of my loan, so I either did not open them in thoughts there was nothing out of the ordinary, or possibly a few of them were stolen ( XXXX, WA mail theft is astonishingly high this year ). 

Unfortunately the damage was already done, my vehicle was repossessed, and I was charged exorbitant fees in which to get my vehicle back. A good example was the repossession fee of over {$500.00} when the actual bill for the repossession ( I saw it on the towing company 's desk ) was only {$280.00}. The gentleman from XXXX XXXX XXXX was a fantastic man to deal with ( although unfortunate that I had to work with him in the first place! ), however I did feel somewhat wronged by the differences and price gouging in their setup. These few dollars almost made the difference of me getting my vehicle back or losing it permanently. 

Here is my call log below with the information i received when I called the numbers back. As well as their ratings online, and how many times they called me on each day. ( apologies for XXXX spreadsheet formatting here ) " Thank you for calling no one is available to take your call at this time, please call back again later '' - XXXX " The number you have reached is not in service, this is a recording '' - XXXX " Thank you for calling no one is available to take your call at this time, please call back again later '' - XXXX " Thank you for calling no one is available to take your call at this time, please call back again later '' - XXXX XXXX Spam rating of 80 % online, XXXX , IL Called : XXXX XXXX 5 hrs diff XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spam rating of 80 % online, XXXX , TX Called : XXXX XXXX XXXX XXXX 1 hr diff XXXX XXXX 2.5 hrs diff XXXX XXXX XXXX Spam rating of 100 % online, XXXX XXXX , MO Called : XXXX XXXX XXXX XXXX 31 min diff XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spam rating of 70 % online, XXXX , NC Called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Calls for 1 month : XXXX
Please see attachment : This is 1 of many accounts that you have verified. How? If you look at the attachments below you will see that this account is unverifiable and you are XXXX XXXX XXXX I have been trying for almost 3 months to get this account verified and validated. Remove this account from my reports
I was unable to obtain 2 of 3 online credit reports promised by your company in spite of the fact that I provided all the necessary privacy information requested. In addition, in order to obtain my free annual credit report via mail, I was required to submit highly sensitive personal and financial information in hard copy form through a much less secure and accountable system, the US Mail. 
I am extremely frustrated and disappointed in this service and I feel I have been victimized by a faceless and anonymous entity committed to defrauding the consumer through the promising of a free and vital service only to be made vulnerable to a well-established network of highly skilled and nefarious entities who prey upon the trusting and nave. 
Recognizing that my complaint will fall upon non-existent ears, and that I am pleading my case to a system committed to self-preservation through the continuation of the suppression of the voiceless and marginalized I fully intend to publicize and vocalize this complaint to all regulatory bodies. 
Sincerely, XXXX XXXX XXXX
I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank you
Please refer to my ongoing complaint. 

In the process of my ongoing complaint ; I have identified another MAJOR issue with the servicing of my mortgage with Chase Home Mortgage. 

Original : # 1 ) my payments are being misapplied # 2 ) Chase is telling me it is my responsibility to notify Chase when they misapply payments New # 3 ) Chase has dual records of my payments. I get transaction date when I obtain my records online, but a separate report send to me has " posting date '' showing the " posting '' an average of 2 to 3 days after the payment is posted. On average, Chase is charging me two to three days of extra interest due to this [ improper ] payment posting. 

Summary of NEW issue *please note that corrections were made AT MY REQUEST - Chase tells me that I have to notify them whey they misapply payments ( which is part of my original dispute ) Payment Received Payment " Posting '' Original Issue ( # XXXX ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX
No one wants to have to borrow money, but sometimes we have to. also when we borrow money we plan on paying it back, but other life trials and tribulations come up. With that being said I took a loan out with this company back in   XX/XX/XXXX . Wh ich was my first loan of  XXXX  paid that back. Then life hit me hard and I had to take out another of  XXXX  .Well m oving ahead sad to say my son passed away and that same day this loan company called me asking for there money saying I need to borrow it from someone being very rude. even after telling the woman what had went on. not once did she say sorry for my lost. That wa s  XX/XX/XXXX  wh ich at that time she said I owed  XXXX . Now today she calls same woman saying I owe  XXXX . I tried to make payment arrangements with her, but the amount I said she says was not enough. As I reminded her I just got to work from medical leave from losing my child she then threatens me with garnishment. What kind of people work at this place I called back to only get cursed at and hung up on.
synchrony bank-account # XXXX after negotiating a settlement and sending a money order they informed me that the debt is past the statute of limitations and they wont give me my money back or remove it from my credit report I paid them {$490.00} they want update it to say paid in full or nothing how can I get my money back? synchrony bank. XXXX XXXX XXXX, fl XXXX I talk to XXXX & XXXX XXXX/XXXX/15 on around XXXX cst ) XXXX
For the past year, I have been in correspondence with XXXX XXXX XXXX regarding at Walmart account. Prior to bring sue ( unknowingly ) by this company, I provided proof that I have been collecting unemployment benefits since XXXX XXXX. I also sent then another company in XXXX XXXX. On XXXX, XXXX, XXXX, XXXX constable by the name of XXXX XXXX withdrawal funds in the amounts of {$890.00}, which is not the amount owed, from my account without my permission. This practice is against Federal and state of NJ laws when collected monies owed. I am currently on Welfare due to my unemployment benefits being exhausted. This company is refusing to reimburse my funds.
I have a bankruptcy listed in my public records on my credit file that is not mine. It was either from someone with same name or fraudulent stolen information.
In XX/XX/XXXX, I noticed there were 3 capital one accounts reporting on my credit report. 2 of them were accurate, and one of them did not belong to me. I mailed a letter to all 3 credit bureaus alerting them of the inaccurate account. I also stated in the letter that the other 2 accounts were accurate. By the end of XXXX I noticed the inaccurate capital one account was removed and so was one of my accurate accounts leaving only one capital one account reporting to all 3 bureaus. I called XXXX first to alert them of their mistake and they informed me that i needed to contact capital one in regards to this matter. I called capital one to inform them of the mistake and they stated that i should contact the credit bureaus. The Capital One representative also stated that they would be reporting after the XXXX of the month and i should give them a call back if i did not see the account on my report by the middle of XXXX. I didn't think much of it since my account was still open and i was still able to use my card. I logged into my online credit card account today, XX/XX/XXXX around XXXX and i was not able to view my personal credit card account information, however my business credit card information was available. I contacted Capital one around XXXX and the customer service representative informed me that my credit card account was closed do to fraudulence. There was no manager available for me to speak to about this incident. I have had this credit card open and in good standing for 2 years now and it is being closed in error due to the credit bureaus reporting fraud on the wrong account.
7 months ago, the cosigner of an apartment I resided in received a call claiming {$610.00} is owed due to " destruction of carpet '' to Rent Recovery Solutions. During the walk thru of the apartment with XXXX XXXX, the condition of the carpet was never mentioned. Unfortunately, having this been my first apartment, I was unaware that I needed to sign off on the walk thru. Never was I notified by the complex that this was owed and after receiving the call the complex claimed to no longer have my files. From the collection agency I received the walk thru letter, without my signature, showing the amount that cost to replace the carpet. The agency is unwilling to send me anything in writing stating that I owe this debit to them or that once the amount is paid in full, the case is closed. I am unwilling to pay them without the validation of this debt as stated in the Fair Debt Collection Act. I would like to take care of this as soon as possible since it has already gone on for 7 months. The XXXX XXXX hot line lead me to your sight. I am going to send a certified letter to the agency stating that I have filed this complaint and that they refused to abide by my legal rights.
I received an offer from my Sears XXXX that would provide 10X reward points if I spent {$500.00} dollars over the two 3-month periods of XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX and on gas, groceries, and dining. When I inquired about why I did not receive my 10X rewards points after the period, I was sent a letter stating that I did not spend the required {$500.00}.  I disputed this and asked to receive documentation that showed my spending matched to the merchant categories for gas, groceries, and dining that their decision was based on. All I received was copies of my monthly statements.
SCA Collections has reported four collection accounts on my credit report. Prior to these accounts appearing on my credit file, I did not receive a notice of my right to dispute them. They just reported them, without giving me an opportunity to contest these bills that were paid by my health insurance. Failure to provide such a notice is a direct violation of my federal rights, protected under the Fair Debt Collection Practices Act. SCA Collection is acting as an illegal collection agency, defying federal collection law.
When I applied for a Wal-Mart credit card they told me that if I spend {$75.00} " today '' I will get {$25.00} dollars of my purchase. I spent {$88.00} and they did n't subtract the {$25.00}. They told me that I was supposed to spend it all at once for them to subtract the {$25.00}, yet they did not tell me this when I applied for the credit card. I am very upset and very dissatisfied with the service that I received. I feel that they fooled me into applying for a credit card. I need them to refund me the {$25.00} right away or I will be taking legal action.
Midland is trying to collect on a debt that has passed the statue of limitations. The XXXX bill they are trying to collect is over 7-8 years ago. Statue of limitations on reporting has exceeded and they continue to roll the account to continue reporting and subsequently damaging my credit.
To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX-XXXX, and XXXX XXXX-XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove addresses from my credit reports/files that do not belong to me.