WillisBack/dataset-financial-user-claim huggingface dataset:
Received a bill  from Credit Control Cooperation ( Fo rmally known as   XXXX   XXXX   XXXX   ) on or about  XXXX   XXXX   XXXX  for the amount of {$130.00}. Called company and they said I had a bill I had not paid. I disputed that and said I had my records to prove that I had paid all the bills from the   XXXX   XXXX   of  XXXX   (  XXXX  )  from last year  XXXX . They told me that I did not owe anything and could n't understand why I had been billed. Transferred to another dept they said they would investigate. Called back the next day and said I owed a bill from  XXXX . I called them back and asked if I owed a bill from that time why did anybody bill me repeatedly or call. They said I must have moved thats why I did not get a bill. Wrong, have been at same address for 18 years. Oh I must have a different telephone number. Wrong have had the same number for 18 years. Then they said if I did not pay they would put this information on my credit report in  XXXX . Have tried to get in touch with   XXXX   but they have not returned any calls. If I had owed from that time why did I never get a bill. Also I had an account with  XXXX  last year, there was some accounting errors last year but the  XXXX  said it was because of moving billing companies. I was told that I had paid all by bills. If I had an outstanding bill form  XXXX  would n't I have known about it and wouldent they have billed me again last year. Additionally, I believe that the statue of limitations has passed for the supposed debt. Why are they doing this?
I am victim of Mortgage Fraud perpetrated in 2007. I was approached in 2007 to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the Asst. US Attorney in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.
They call my work phone at the XXXX daily with threats of fraud and asked for {$1600.00} for an alleged debt regarding a loan that I know nothing about. I asked for their mailing address and they told me I was evasive. I told him he was evasive for not providing a mailing address and he hung up on me, this was their third phone call to me. Their XXXX phone call indicated they were attorneys and they were calling regarding a file placed in their office. They told me they were filing criminal charges against. Repeated attempts have been made calling my place of employment and harassing me. Their name is XXXX, XXXX XXXX XXXX, XXXX.
Trying to get a lower payment and after ruining my daughter 's credit and the co-signer 's credi t Navient, fina lly speaks with us. Now, they offered 2.5 % and a loan payment of {$130.00}. Between a few people trying to help with this, there is no automatic payment from a checking account. IT will be see who can pay or help for the month. They are not accepting this! Really, after not negotiating and talking down to us for numerous months, they wo n't accept this payment without being an auto payment? Now that credit had been demolished, on ca n't even qualify to refinance via another loan company. They should be sued! Unreal.
Navy Federal Credit i s reporting a $  XXXX  {$150000.00} charge-off on my credit reports for an equity loan which was foreclosed on in  XXXX . I 've sent them a letter on  XXXX   XXXX ,  XXXX  ( received by them on  XXXX   XXXX  ) seeking substantiation of this debt of which I 've not received a response.  Navy Federal c ontinued to pursue foreclosure of our home in  XXXX  despite several attempts by us for a loan modificationthroughout  XXXX  and  XXXX . We then hired an attorney which  Navy Federal  chose to ignore and not respond. In a final effort to alleviate foreclosure, my husband tried to file for bankruptcy, but was dismissed by the court because the only debt issue was the home mortgages which the judge said should be handled directly with our lender   ( Navy Federal ).
We 've never received any notification by Navy Federal that this debt is owed, nor have we received any deficiency judgements against us for this debt. In fact, Navy Federal even   filed a  XXXX  for a forgiveness of this debt to the IRS.   Your efforts to have  Navy Federal subst antiate this debt are most appreciated.     Thank you.
I got a voice mail from a XXXX XXXX at " XXXX ( sp? ) XXXX XXXX in XXXX threatening me with legal action and that they were sending someone to my house to serve me with legal documents and I need to call the " XXXX XXXX '' at : XXXX with reference number : XXXX. 

I called this number and they said they had a Lawsuit filed for a GE Account ( XXXX XXXX ) and I have to pay them " X '' amount in order to stop this Lawsuit. I explained to them him I am permanently XXXX and am XXXX. 

He did NOT care and was EXTREMELY rude, intimidating and threatening, then he hung up on me! 

This GE/SYNCB, XXXX XXXX account is WAY past the Statue of Limitations. This account was opened on XX/XX/XXXX & was last paid on XX/XX/XXXX. 

The account was opened when I lived in Nevada where the Statue of Limitations is Four Years. It 's OVER Five Years ( close to Six ) past the Statue of Limitations. 

They also called ALL of my Relatives before they called me! 

I sent GE ( now SYNCB ) & the collection company ( XXXX , XXXX ) a Cease & Desist letter several years ago and have not heard from them since. 

I am currently looking into my legal recourse against them.
This is not my account. If there are no proof of signatures then I am requesting for this account to be removed from XXXX, XXXX, and XXXX.
On XXXX XXXX I made a online payment to XXXX for XXXX the payment was never received. On XXXX XXXX a good faith letter was sent advising of the payment, amount of payment and account number. Another payment was made on XXXX XXXX which again was n't applied. After a 3 way call with XXXX, XXXX and myself it was determined the funds were sent to Citibank which was the previous owner of the card. On XXXX XXXX another 3 way call with Citbank, XXXX and myself in which payment amount, date and trace numbers were sent. I contacted Citibank on XXXX XXXX and they had no record of any account or correspondence. I once again, contacted XXXX and was told the case had been closed and would reopen it. The representative told me he would call me this XXXX XXXX XXXX but have yet to hear anything. I have spent well over 100 hours on the phone trying to get this resolved, to no avail. XXXX XXXX has repeatedly sent proof of payment, transaction records and CitiBank refused to communicate. I have been in direct contact with a representative from XXXX XXXX and they have now sent it to there liaison.
XXXX XXXX, XXXX I purchased a XXXX XXXX from XXXX XXXX XXXX, XXXX. I traded in my XXXX ford truck. The dealership gave me {$8800.00} for my trade-in. I owed Navy Federal {$10000.00}. The dealership said not to worry about the negative equity of {$1200.00}. They said they had rolled it into the price of my jeep so I did not have to pay any additional money. When I saw the buyers order it said that there was no balance owed to Navy Federal. When I got my loan from Navy Federal I found that I still owed the negative equity. I paid the negative equity XXXX once to the dealership and once to Navy Federal.
I have tried to work with Planet XXXX XXXX. I have a XXXX child that requires constant care. I went for help and they filed a Chapter XXXX bankruptcy for me to help me but I want to keep my home. I just started a full time job and had to wait for proof of income. to give to Planet XXXX XXXX. I received a statement stating what my new payments were. I made the payments they sent them back to me. 

I am trying to correct what is wrong. Make a XXXX just installed a XXXX to help with my daughters therapeutic and mobility so that at some point she might be able to move some parts of her body. 

I am looking everywhere for help. Please help me! 
I am working and my new boss is doing all that he can to help me. 
please save my home from foreclosure scheduled for XXXX XXXX, XXXX.
Credit Bureau is in violation of FDCPA, FCRA and also XXXX compliance. The account in question is over 10 years old.
Dear Sirs, My spouse and I recently applied for a conventional mortgage. We were " pre-qualified, '' made an offer, and obtained a ratified contract. We supplied all documentation requested and answered all questions. One month later, we were denied out of the blue on the sole basis of our student loan balances. We were not informed that 1 percent of our student loan balance would be used as our payment amount. That is not our payment amounts, which are reflected on our credit reports. The 1 percent payment amount is 8 times larger than our actual income-based payment amount. We can easily afford the property other than this arcane regulation requirement. Complaint 1 - the lender ( Credit Union Mortgage Association , Inc. ) NEVER informed us of this requirement. This resulted in wasting time, energy and money for all parties involved ( buyer, seller, agents, inspector, appraiser, not to mention CU staff ), expending monies ( appraiser, moving deposits, etc. ), and signing a contract without full disclosure of necessary information by the lender. Complaint 2 - Why is XXXX ( I found the rules on my own ) requiring lenders to count 1 percent of student loan balances as the payment, when that is not the actual payment? Income-based plans are legally available to all borrowers. For some unknown reason that discourages business, Americans with student loans balances will often be unable to qualify based upon this provision alone. It is antithetical to good business.
I am having trouble getting my credit report from annual credit report from tarns union. 
They say it is not there fault but annual credit report`s fault.
For the last year I have received Email messages from Wells fargo Bank about my online account but never opened them believing they were spam. I have no online or any other account with Wells Fargo. Since the action was taken against Wells Fargo for fraudulent consumer enrollment in various services, I thought my problem was included as part of the resolution until I received an Email this morning from Wells Fargo about my online account. I believe Wells Fargo has engaged and remains engaged in fraudulent activities that need to be addressed.
I had a 2nd mortgage that was forgiven in XXXX. Somehow Trinity got copies of my mortgage instrument which does not show any assignment to them. They first sent me a letter for approximately {$2000.00}. Then for each letter they sent me, they charged {$500.00} per letter. They finally attached to the title of my house. They just did this in XXXX. I had never heard from this company and they attached to my house for {$18000.00}.
I applied for a XXXX checking account on XXXX XXXX, 2016. This account came with a promotional bonus of XXXX XXXX points once certain terms were met. Those terms indicated that {$1000.00} would have to be spent within 60 days of the account opening. I have written confirmation from Citi on XXXX that my account was eligible for the promo. I completed this task and wrote to Citi on XXXX, XXXX confirming my eligibility in the promo and that I met the terms. Citi wrote back that I was in fact qualified and " all promotional requirements have been met. '' I was told the bonus miles would be accredited to my account my XXXX/XXXX/16. 

Once XXXX rolled around and no points were awarded, I reached out again to Citi. This time they 're telling me they need to check for eligibility, despite already confirming. This has been a back and forth conversation with no real answers as I 'm getting charged monthly services fees. I was original told on XXXX that a response would be received in XXXX4 business days. Despite multiple attempts, I still have not received a response from Citi.
I can not understand why I have to pay American Education Services {$17000.00} for  XXXX  {$3100.00} private student loans. I pay {$81.00} a month, and the balance keeps increasing. I am on  XXXX  and just received a notice from AES that the interest rate has changed, therefore the payment willl increase from {$81.00} per month to {$83.00} and that when the lo an ( s ) is  paid in full, I would have paid almost {$17000.00}. Is this a payday loan?
va loan mishandled by jp morgan chase - inaccurate financial transaction record - failure to ensure insurance rider placement and payment distribution in accordance with va loan regulations - failure to service va loan according to va regulations, - submitting and making misleading and misrepresentations to state, federal, courts ands judicial officials and agencies - failure to provide mortgage modification authorized and approved by the VA - failure to provide and misrepresentation of required policy and procedures to assist and/authorize homeowners claim repairs and payment disbursements i have submitted these complaints previously supporting witnesses XXXX XXXX, va loan specialist, XXXX pa attorney general XXXX, XXXX pa, XXXX attorney XXXX, XXXX pa, XXXX attorney XXXX, XXXX pa, XXXX pa state trooper XXXX and XXXX, XXXX pa XXXX, XXXX thousands of supporting documents, recordings, texts, and emails available upon request
I set up payment to come directly from my payroll and they still pulled the payment from my checking account also ... this has cause an overdraft of almost {$200.00} ... I called and they stated that they are processing a refund but it will take XXXX business days. meanwhile I have bills hitting that will not be paid put my account into further overdraft. The due date was XXXX XXXX, 2016. They received the payroll payment on XXXX XXXX and then drafted my checking account on XXXX XXXX, 2016. The first rep said it was my fault be HR should have put my name on the direct deposit payment ( Her name is XXXX ) ... The second rep stated that the only way the payment should have been drafted from my checking account is if my payroll deposit did n't come or was late and that since it was n't due until the XXXX, there should never have been a withdrawal from my account.
On XX/XX/2018, I XXXX XXXX filed a dispute with Equifax credit bureau ( # XXXX ). On XX/XX/2018 I called to check why I havent receive my results from the investigation. I spoke with XXXX from the special handling department where my file is being monitored because of identity theft. I stated to XXXX that I have not received my results and the 30 days had past. She said that the results were emailed to my email address, XXXX. I said to her thats not my email address and she replied, Im sorry for that. I will send it to your home address, I explained to her that the 30 days has past and according to the CFOB and FCRA that you had 39 days. I kindly asked her to remove the items because they fail to complete the investigation within the 30 days and notify me of the results and the fact you sent all of my personal information to an unknown email into the hands of strangers, she refuse to delete the items.
I am a single dad and im in over my head with bills. I have set up a XXXX dollar a month payment plan with Navient but thats not paying off the interest and my loan keeps growing. This dose n't seem right. I feel like Navient has found a way to make a profit out of me and in the mean time my loan continues to grow. I called them and asked them can they please somehow decrease my loan from increasing and they basically said to bad so sad. Please help
I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due as of XX/XX/2014, XX/XX/2014, XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On XX/XX/2018 I received a phone call from XXXX from XXXX with Receivable Solutions Specialists , Inc. saying ( 1st phone call ever and never received an invoice of dept ) : " Good morning this message is for XXXX XXXX my name is XXXX calling in regards to a personal business matter. Will you please return the call at XXXX ext. XXXX. Your reference number is XXXX thank you. '' It appears when speaking to them on XX/XX/2018 Supervisor XXXX advise me that the bill was pulled from XXXX XXXX XXXX in the amount of {$31.00} and should have never been acted upon on calling me. I received another call from XXXX and left another message advise me to call her. I call back to XXXX spoke to Supervisor XXXX advise me that the bill was pulled from collection and she will call the billing department to check into this matter closely and send me out a bill in which I never received before. She then threaten me that this will go onto my credit report. This bill was paid and I should not own any other dept from an automobile accident. Why did it take them so many years to contact me about a {$31.00} bill that the auto insurance company has taken care of. Please look into this matter because it appears to be threatening to me for someone who tells me that this will damage my credit rating and as a consumer I was not advise of this bill until XX/XX/2018.
Chase Bank raised the interest rates on my Chase XXXX Credit card, my Chase Slate Card, my XXXX XXXX XXXX Card from the current 19.24 % to 24.99 % for cash advances. this represents a 29.89 % increase. Chase also raised the Balance Transfer fee from 3 % to 5 %, which represents a 66.7 %. This is outrageous and I believe it enables them to act like loan sharks. They have also raised their late payment and return payment fees exorbitantly.
Basis for the dispute : On Experian Account # XXXX status is closed, but reports numerous lates and paid as agreed after reporting charged off with an open date of XXXX/XXXX/XXXX. XXXX showing last payment but reporting paid as agreed one month than late and or charged off next month ; On XXXX is reporting a different account open date of XXXX/XXXX/XXXX and payment history as not reported and closed as charged off with a date of last payment/activity XXXX/XXXX/XXXX
I have Two collection accounts listed on my credit report for the same amount. I don't feel it is fair to be able to list it twice or the reason it is being charged to me. That is why I am reaching out for help. 

It initiated with XXXX XXXX when I discontinued my service with them. It wasn't for a bill or phones that I owed, but because I discontinued 2 lines of service with them. They charged me {$840.00} for dicontinued service of 2 lines. Which is {$420.00} per line of service. 

This is outrageous and should not be allowed to be done to anyone. Please help. If I can provide any other information, please let me know. 

Thank you for your time and assistance. 
Sincerely,
I pay for 2 loans through Great Lakes. One is a PLUS and the other a student loan under my son 's name. Recently I read a federal finding darting to XX/XX/2014 in which it explained then the practice of mis-recording payments to make it appear that the account was late. If that was not recognized by the person paying the account the loan could fall into default. 
This has happened to me throughout my payment process with Great Lakes. They have given me loan numbers to write on checks changing them a number of times. 
Last month I filed a complaint with Great Lakes but I feel it is of the utmost importance for you t have this knowledge.
Despite a letter from XXXX XXXX dated XXXX XXXX, XXXX ( sent via fax to your agency this morning ) sent to all XXXX of the major credit reporting agencies, including Equifax , instructing them to immediately and permanently remove all records of late charges, specifically a late charge XXXX XXXX, XXXX of {$50.00} and a second on XXXX XXXX, XXXX of {$30.00}, they refuse to do so despite four complaints to them and numerous phone calls. The last of these calls was to XXXX XXXX, wherein he stated that he would personally ensure that these XXXX negative items were removed. Yet, according to their latest credit report of XXXX XXXX, XXXX, # XXXX, these XXXX negative items still appear and are preventing me from obtaiing a mortgage loan to purchase a home. They have been totally uncooperative from the onset of this matter. They have also misspelled my name and inserted the lower case letter " XXXX '' after XXXX, the first initial of my name, and refuse to remove this error. I hereby demand that they honor the demands of the XXXX letter and immediately and permanently remove these XXXX items just as the XXXX other credit reporting agencies have done.
I had some difficulty with Bloomingdale 's online application and became past due. Someone called me and asked if I wanted to make the past due payment, to which I said yes, and authorized a payment of around {$200.00}. They charged my bank account the full balance of my card, around {$3700.00}. I did not authorize the payment for that amount. I called their support desk, and was told that I needed to fax in a copy of my bank statement, and that processing would take up to 14 days. I do not have a fax machine, nor do I have 14 days. I can not pay rent or car payments on my credit cards, and now I am trying to figure out how to come up with the money for both.
XXXX XXXX  XXXX XXXX XXXX XXXX has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XXXX. I have contacted XXXX and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by XXXX XXXX  XXXX.