WillisBack/dataset-financial-user-claim huggingface dataset:
Cavalry is claiming that I owe money. I have requested that they provided verification of how I owe them anything. as of today they have n't provided any documentation.I 've never had anything to do with this company and they do n't have a signed agreement of any kind with my name on it. 
If they can provide an agreement that I have physically signed my name on then I will believe it is valid. 
Until they provide verification of them owning an account/agreement that belongs to me, I would like them to stop contacting me. 
Today ... ... .... some random lady appeared at my door with court docs and disrespected my husband in front of our kids, simply because he said I was not home, at that point he refused the documents, then she repeatedly told him she would be back with police and a court order to posted them on our house. I 'm sure the documents were from this company. 
I want this to stop unless these people has a legit agreement with my signature. 
if this is n't resolved I will continue to take this further on and submit something to Attorney Generals Office as well as the Better Business Bureau
I returned a leased vehicle in XXXX 2017. When I returned the vehicle, I informed the dealer that my address was not current, but he told me not to worry about it.
Today, I was contacted by a debt collector on behalf of Nissan Motor Acceptance Company. Because this was the first I had ever heard of any outstanding balance, I requested verification of the debt. The collector told me that they had sent verification but would not tell me to which address they had sent it. She directed me to NMAC.
I called NMAC and, as predicted, they had mailed the invoice for a {$400.00} lease disposition fee to my old address. Despite having my email and phone number, NMAC did not try to reach me by phone or email and did not recognize that their mail was being returned. Instead, the first contact I received about an alleged debt was from a debt collector. I am unsure if this has impacted my credit report, but I should not suffer harm because of NMAC 's incompetence.
I purchased furniture in XX/XX/XXXX & XX/XX/XXXX from XXXX XXXX ( where the loan originated ) in XXXX XXXX, FL, both with affiliate bank loan agreements ( Synchrony Bank ). Together the loans totaled {$2200.00}. The first loan was supposed to be interest-free for 5 years if the minimum payment was made. The second loan had to be paid off entirely in 6 months. We made minimal monthly payments on both loans of {$85.00} per month total ( they combined the 2 loans into one account without our knowledge ). We were NOT made aware the loans were tied together. If loan 2 were not paid entirely in 6 months time, we would be paying off confiscatory interest at the rate of 29.99 % from day one on loan 2 (  only ). However, our minimal monthly payment was applied to the interest on loan 2, and the principal of loan 1, without our knowledge. Clearly the intent was to trap the borrower into being stuck paying interest on two loans since they were tied into one account together without my knowledge. That means 40 % of our monthly payment of {$83.00} is for interest only. We have been paying that interest every month since XX/XX/XXXX until today and for the duration of the loan. This increases the loan payoff period These are deceptive loan practices because they tied them together without our knowledge and the loan rates of 30 % is unconscionable ( usury ). As of XX/XX/XXXX Synchrony ( XXXX ) says we owe another {$790.00} in interest and {$1700.00} in principle, even if we pay it off entirely. If it is not paid off in total today we will have over {$3000.00} of additional in interest. That is much higher than the original principal alone. Acct No. XXXX XXXX XXXX XXXX
I consulted my Loan Servicer ( Navient XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX XXXX options for civilian Department of Defense employees in XXXX. I was informed that the program required 120 payments and that my existing loan was eligible for forgiveness including various monthly repayment options. 

My previous XXXX loans were consolidated in the XXXX at 9 % and I 've repaid over {$90000.00} on an original {$45000.00} principal balance. However, I still owe approximately {$100000.00}. 

Navient / XXXX XXXX indicated I was not able to further consolidate my existing loan ( previously consolidated ) and further indicated I was on track for the XXXX XXXX XXXX XXXX program. 

After, six years of qualifying payments while employed with the Department of Defense I checked on the status of my XXXX XXXX XXXX XXXX and was informed that my consolidated loan was NOT eligible for the XXXX XXXX XXXX XXXX program since it was not a DIRECT loan. 

I am now able to CONSOLIDATE my previously-consolidated single loan BUT approximately 6 years of previous payments while employed with the Department of Defense do NOT qualify toward the XXXX XXXX XXXX XXXX program. 

I was continuously misled by Navient / XXXX XXXX and only inquired recently due to news about the XXXX administration 's desire to potentially change the plan.
This account was paid in full on XX/XX/2018 ( acct XXXX ) to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX. I received an alert from my credit reporting agency that XXXX has reported it 30 days late even though it has a " XXXX '' balance. This reporting inaccuracy has caused my credit score to drop by 22 points!
I was trying to buy a washer and dryer at XXXX XXXX XXXX Arizona XX/XX/2018. When they ran my credit they said they could not finish because I had a lock on my account and it was Experian that was holding my credit due to a lock for 6 months which I did not authorize.Reference number is XXXX. They said call Experian so an automated service came on and could not understand that I was calling to remove any lock on my credit and after calling 3 times I had to leave the purchase until this was cleared up.This is the second time that Experian has caused me trouble. At this point lawyers are processing another failure of wrong information on my account from 5 years ago. How is it that you can not reach a human being when this automated service then said it was notifying other agencies to put a 6 month freeze on my account.This is an unfair system that only harms people with good scores.
Bank Of America Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on XXXX and Showing 30 days late on same month reported good to other bureau, Bank of america balance due is also different then credit report balance, shows XXXX but Bank Of America Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on XXXX and for same month reporting to XXXX im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, bank of america is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.
I am a co-signer on my daughters student loan. I realized after she made payments for 10 years that she is barely paying any principal. I feel that this company has taken advantage of my daughter by allowing her to pay mostly interest. She has paid approximately {$22000.00} over the last 10 years on a {$25000.00} loan and still owes {$17000.00}. 
I called Navient on XX/XX/2018 and offered to pay them {$12000.00} to pay off my daughters loan. They refused to negotiate any payoff amount other than the total outstanding balance. I believe that this company is engaged in predatory lending practices that take advantage of young adults who dont know they are being ripped off. 
I dont want to advise my daughter to stop making the payments to make the company more agreeable to negotiations but refuse to let her continue to pay off this loan under these terms. 
We want to pay our bill but believe that they have made enough profit from my daughters good payment history and should be willing to negotiate a payoff.
my mortgage was sold fr= from one bank to another and the new bank will not honor the payment agreement made with the the first bank.
In complaint # XXXX, which was closed on XX/XX/2018, Shellpoint Mortgage Servicing indicated that my issue had been resolved. The payment of {$2800.00} that was paid from my escrow to XXXX XXXX XXXX was never returned for insufficient funds, as previously stated in my complaint. After 'resolving ' the issue, I had received a rescission of cancellation, though, and, as such, thought this matter had been resolved. 
Today ( XX/XX/2018 ), I received a cancellation for nonpayment in the amount of {$2800.00} issued from my escrow by Shellpoint Mortgage Servicing to XXXX XXXX. I immediately called XXXX XXXX and spoke to XXXX XXXX in customer service who advised me that the check received on my behalf was returned due to insufficient funds. 
I have a new cancellation date effective XX/XX/2018 if payment is not received in the amount of {$2800.00}. I was advised by XXXX that they do not want no check from Shellpoint at this time only a cashier check.

Again, it has been my experience that Shellpoint Mortgage collects money and misappropriates the funds that have been paid.
I set up a car payment with Ally auto for XXXX XXXX, 2015. I then decided to reschedule that payment for XXXX XXXX to wait for my payday. I went back into my account and saw that I still had the option to cancel the payment, so I did. The payment said it was cancelled on my end. I then proceeded to set up a new payment to come out on my payday. On XXXX XXXX, ally auto deducted {$410.00} from my bank account, and then deducted another {$410.00} from my bank account on XXXX XXXX. I called both the bank and the auto finance company to explain the situation, that I was double charged, and set up a dispute. My dispute was denied.
I traded my XXXX XXXX XXXX lease in back in XX/XX/XXXX. My lease was traded in early, XXXX bought my lease out in the amount of XXXX which was the buy out amount. Im now a customer with XXXX and now leasing a XXXX XXXX XXXX. 

I received a bill from Toyota for the XXXX XXXX that I no longer have as of XX/XX/XXXX. I called Toyota Financial speaking to a rep who confirmed the reason I was sent a bill is because an odometer statement was not received. In addition they could not process the check until this item had been received. I was told to contact the dealer to send this info via fax. 

I call my dealer speaking to my salesman I told him about the situation and said that Toyota is calling for the odometer statement. He said he never sent one of these before and couldnt believe that Toyota was asking for this. He said that he would discuss with his boss and get back to me. This was fine I later received a text of the invoice that said the car was bought out by XXXX. My salesman called me to let me know he text me the invoice I confirmed receiving it. 

I then called Toyota the second time speaking to a new rep, I explained the entire conversation from the beginning and was told that I needed an odometer statement. I said that XXXX never sent a odometer statement in the past. The rep said in order to close the account that the statement was needed. 

I did my part by turning in my plates and going to the dmv etc Ive got all my receipts. So now Im caught in the middle and frustrated because XXXX will not send the odometer statement I guess to protect me or them from fees? I dont want this on my credit as Im trying to clean up my credit now. I really need help in this matter as you can see its really ridiculous Id be stuck in the middle of something that should have been taken care of from the beginning. Im not the owner of the car XXXX is I feel like any invoice concerning the XXXX should go to them not me!
I sent {$10000.00} to Coinbase from my XXXX XXXX XXXX XXXX Account for XXXX XXXX XXXX, XXXX. Federal Wire Reference #  XXXX They relayed the " name did not match my account '' - my name is XXXX XXXX. 

Ok, that 's understandable. They said they 're wiring the $ back to my account on XX/XX/XXXX. It 's now XX/XX/XXXX & I have yet to see it. Wire transfers are instant, there is no excuse.
To add insult to injury, I wired another {$10000.00} to from my personal account to them last night & my bank confirmed they received. They have yet to receive. It is XX/XX/XXXX.
Fed Wire Reference # XXXX They advertise it as being " instant '' funding. What a joke. So disappointed, where is my XXXX COINBASE!
I opened a user account at risecredit.com when I contemplated seeking a loan in XX/XX/2016. At the time, I was working at a company called XXXX XXXX XXXX, and included this information in the application I started. I ultimately decided not to pursue the loan, and closed the site. 

In XX/XX/XXXX of this year, a mistake in payroll left me scrambling, so I remembered Rise and ultimately decided to pursue a loan. I had changed employers, so I put in the correct information on my application that I worked for XXXX, had gotten a substantial raise, and looked for a phone number on XXXX to be used to verify my employment. I had also moved to a new address, since I bought a house, and updated that information as well. 

I checked everything over for accuracy and submitted the application. Immediately I was called to verify my identity because of a fraud alert. I did so successfully. Then, I was asked to verify my bank account via an online company, which again, I did so successfully. 

Several days passed, and I started receiving emails for further documentation, such as my driver 's license, XXXX, paystubs, electric bills, bank statements, mortgage statements, and more. I provided this information multiple times, daily receiving emails that they were still missing the information. I decided to give them a call, and the CSR I spoke with informed me that the information on the application did not match the information I was giving them, other than the XXXX ( which had been from the year prior from XXXX  ). I was quite confused, and said that I had updated my address and employer to the new one in their application, and the CSR apologized for the system error and said he would fix it and I'd hear back on an approval in the next 48 hours. 

Instead I received an email informing me that they were unable to verify the information I gave them because of a lack of documentation. So, I called again. The CSR was incredibly rude and said that I falsified information on my application, which is why I was denied. I informed him that I did no such thing, and that I had properly updated to my current information, which included a {$2000.00} a month increase in pay rate, so the idea that I wouldn't have is outrageous, especially given the fact that it doesn't pre-fill information on the application from their database. Oddly enough, my address in my account is listed correctly, so I *know* the application was saved properly with my new information. 

I continued to follow up, continuing being told I could apply again in 6 months. I don't even want the loan at this point, I just want the inquiry removed from my report. It was not used to evaluate my credit worthiness, and their system fraudulently altered my application with past data that I didn't even have access to. 

They've refused to remove the inquiry on their own.
My loan was transferred from XXXX to XXXX XXXX XXXX, XXXX effective XX/XX/XXXX. I received a letter to that effect. ( Attached ) XXXX XXXX sent me an email on XX/XX/XXXX advising me that the transfer had taken place. ( Attached ) In the meantime, I have a property damage claim to my home which was paid by my insurance company by check made to me and to " XXXX, its successors or assigns ''. 
Today ( XX/XX/18 ), I contacted XXXX XXXX for instructions to process this check so that I could have the damage to my home repaired, engage the contractor who has already provided the estimate and so forth. The XXXX XXXX customer service person informed me that the account information has not been transferred and that they are unable to assist me and were not sure when the " transfer '' would take place -- maybe Tuesday or Wednesday of next week, but she was not sure. ( An corollary problem was that the customer service line for the " insurance dept '' would drop each and every time I punched the number for connecting to it -- which means the phone system is being serviced by incompetents. ) I asked for a supervisor to assist me, but after being placed on hold, I was told that they had all gone home and there was no one that could be contacted to assist me. 
I need to get the check endorsed and repairs on my home started and should not have to wait because XXXX ( or its principal ) and XXXX XXXX can not accomplish a transfer of accounts and data when they say it is taking place. 
I believe they have a legal duty to service my account in a prompt manner and to accomplish the transfer when they say it will take place.
I had a department store card with Macy 's ( I believe the underlying bank is Citibank ) sine XXXX. 
-I believe they have pyramided late fees on me -Closed my account unfairly -Possibly reported me to the credit bureaus over a small matter -Treated me disrespectfully I had a small balance with them as of XXXX of XXXX. I made sure I paid off that balance and went on XXXX. I had my XXXX in XXXX, and once all the dust settled around XXXX I started checking my financial situation to make sure everything was in order. My Macy 's card was one of the things that I wanted to check, but for some reason I was not able to access the card online ( later I was told by the customer service that I had been banned from accessing the website because my card was suspended and later closed ). I had opted in for online statement, so I was not receiving paper statements either, but I was sure I had paid off the balance. 
In XXXX, I received a call from Macy 's collection department asking me to pay off a balance of {$8.00} and some change immediately ( {$4.00} was late fees ). Turns out when I had paid off my balance in XXXX, some residual was left, probably from the interest that I had accumulated in the month before. I paid the whole thing off with a representative and apologized. I did explain my case to them, but no mercy was taken, and since the amount was small I did n't insist. 
Imagine my surprise when in XXXX I went to a Macy 's store to purchase some holiday ornaments to find out my Macy 's account was closed. I contacted them again and was told that I have another {$4.00} balance on my credit card, and since I was such a chronic late payer, they had closed my account. That entire balance was late fees again, and they were not willing to wave the fee, so I paid again. At the beginning of XXXX, I received a paper statement from Macy 's stating I owe them {$2.00} again. I called them and this time I insisted that they stop this and wave this fee, they said they did. Please look into this matter for me. They have n't told me if this has been reported to the credit reporting agencies, they have charged me too many late fees, and they have closed my account which reflects poorly upon my credit, and I need my Macy 's card.
XXXX XXXX account # XXXX This is inaccurate account information. I had a low limit credit card with them of {$300.00}. I never borrowed {$950.00} on that card, and it shows a balance owing of {$1200.00} I never owed that much on the card. This is inaccurate all around!
I formally contacted Transunion by letter on XX/XX/XXXX and XX/XX/XXXX in regards to the following unauthorized hard inquiries on my credit file. 

1. XXXX XXXXXXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX   XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXXXXXX XXXX   XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX Unfortunately, these items has not been removed from my credit file.
There were 2 Transactions i did not approve back a couple of months. I only use this card when i rent rental cars and onstar. I thought i was paying off a rental car i got, but then all of the suddent i got 2 charges from a pet hospital. I do not even own a pet ....
I have tried to reach out to Citi multiple times but they are not letting me know what the status is. I just want my account credited while the look into this.
Date : XX/XX/XXXX andXX/XX/XXXX Amounts of {$1700.00} and {$870.00}.
on my credit report RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Opened XX/XX/XXXX ( 5 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX I was n't in XXXX mi. only in XX/XX/XXXX untill XX/XX/XXXX and i never had XXXX work done an never when to that place. there was a XXXX man name XXXX XXXX XXXX they stolen all my stuff birth cer. my daughters birth cer. my medical records on my health problems and more and there is changers on my credit report i did do from XX/XX/XXXX till now and i do n't know them people using my sscard or my identie but i am for sure XXXX XXXX are doing it
I paid the company and they keep calling me in regards to this issue and I talked to them respectfully twice but then was told that the amount was still due which it is not. This is the information I reported before : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report These individuals are associated with XXXX and their finance company, XXXX XXXX XXXX, I want these phone calls to stop. They also are calling and when I answer the phone they hang up this is supposed to be a professionally run company and yet this is happening and the employer should be made aware of some of their employees actions
Hello, I contacted Equifax, advised them that I am not contractually obligated to pay two cards on my Account- XXXX and XXXX XXXX I am listed as an authorized user and for those two cards I did not want them on my Credit report and requested for it to be deleted immediately. 

She advised me that it will take 30-45 days via a online dispute and they would have to wait to hear from the creditors. I even explained that I can produce documents from these agencies, and I still got met with resistance. 

I asked her if Equifax has it on the credit report that they provide to me and it states that I am an authorized user, which means I am not contractually obligated shouldn't they be able to take action, just knowing that. The service was so rude she kept talking over me, and cutting me off ... then I got fed up and asked to speak with a supervisor and she got quite and after about a minute or so transferred me over to another rep. To whom I asked her to transfer me to a supervisor. No resolution on my credit to date.