WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, received notice that Transworld Systems was attempted to collect a debt note they acquired for approx. {$75.00}. Contacted Transworld and advised them that according to XXXX XXXX in Nevada the balance was {$0.00} owed. Agree to pay the amount to resolve the issue and have the erroneous items removed from all consumer reporting agencies. Payment was made by phone by credit card and was promised a removal letter would be sent. <P/>On XX/XX/XXXX discovered item still be present on all three Consumer Credit agencies reports and contacted Transworld who confirmed the payment and a {$0.00} balance, as well as the file reflecting the the items would be removed as part of the terms. According to the female employee for Transworld their policy is now that they can not remove items form they are reporting in error ( which is not correct ) and that they could not remove the information as agreed in audio recordings and as noted in their file.
I have paid over {$1500.00} on this illegal USERY INTEREST rate transaction 500 % which is a violation of federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX had advised me that they would settle this transaction for {$1500.00} XXXX However I receive a letter from a XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX, stating that I owe {$5200.00} on this illegal transaction. # XXXX, ( XXXX. 
I am retired and XXXX years old and I do not owe these people anything. 

Please help me ' Thanks XXXX XXXX
To whom it may concern : I have lived in the XXXX area my entire XXXX years of life. I bought my home in XXXX after I rented it for XXXX years. I have seen so many good times here, and recently I 've seen a few bad times due to the economy and a short-term job loss. Unfortunately, I may be forced out of my home by my mortgage note holder ... CHFA HAS SET UP A SALE DATE FOR XXXX XXXX, XXXX!!! 

I am an XXXX. I 've been doing this for XXXX years at least, and I 'm good at what I do. However, I work on commission. Unfortunately, there was very little work due to the slowed economy in late XXXX into most of XXXX. My income suffered, and all of a sudden I found myself behind on my mortgage. I finally was able to switch jobs late in XXXX and now have more than recovered financially. I just need a little assistance in getting this problem solved since XXXX has completely dropped the ball. 

When I fell behind on my mortgage in XXXX, I contacted CHFA to try and get a loan modification to fix this issue. I asked them to send me an application packet, but it took XXXX or XXXX different requests before XXXX actually was sent!! I then jumped on it and did my part by getting them all the documents they needed to review me for a solution. I was hoping for an answer, but instead I was told they did n't receive it. It took me sending the complete package XXXX different times before XXXX finally acknowledged that they received it, which was just a couple of months ago. They even denied receiving a previous submission I sent by certified mail!! 

By the time they finally got my application, a sale date had been issued. I thought XXXX would be decent and postpone the sale while they reviewed by application ... but they did n't!! I still have n't heard a word about my application, and the sale of my home is going to proceed -- -- -- -is n't that illegal?? 

It 's funny how when I fell behind, I could n't keep XXXX off my phone line since all they did was make collection calls to me throughout the day asking me what I was going to do about this. But when I was trying to solve the problem, I could n't even get a single point of contact, just a general phone number to department where everyone I talked to had a different answer than the last person I talked to. Plus, they made it almost impossible to apply for assistance, and now that I finally have, I do n't hear a peep from them? 

I feel like I 'm being denied access to programs that should be made available to me. I had a legitimate hardship and I 've recovered and want to make good on my mortgage. Is n't that what these programs are designed for? I 'm not asking for a handout or for something I do n't deserve. All I 'm asking for is to be treated fairly and be given an opportunity to solve this issue and move forward. I simply want a review of my mortgage for all available retention options so that I can keep my home. My financial future looks bright and I do n't anticipate having any financial issues moving forward if I can get this resolved reasonably. Thank you in advance for any help you could provide.
We agreed to purchase a bank owned property for full asking price in XXXX XXXX and the offer was accepted. We placed 10 % of the money into escrow. The bank delayed closing then until XXXX XXXX because of a right of redemption that was placed on the property. Then the ROR was waived and we signed closing documents on XXXX XXXX, XXXX and wired the rest of the money out of our account. Now, a week later, the bank has the entire purchase price but has failed to release the property to us and we are told that this will take more time because they require another appraisal.
I have disputed the late payments on this XXXX XXXXXXXX account for months. XXXX and XXXX have reversed them but Equifax 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.
Delaware Solutions, XXXX XXXX is contacting my place of employment, my relatives and stating there is a federal case against me regarding me being a " habitual offender '' of a debt case, is sharing the last digits of my ss # to my employer and relatives. They have left messages threatening to send me a summons to appear in court where I will be required to pay and if not, they will put me in jail for the maximum sentence for fraud. 
They will not send any information regarding the debt over but claim I owe over {$2000.00} in bank fees and for the original debt. They are claiming it is a payday loan which I have not taken out. I tried to explain that my identity was stolen a few years ago and since then I have been getting these calls. She claimed that if I do not pay, I will be arrested.
Over paid Synchrony Bank {$1200.00} after a stop check payment failed to attach. Called Synchrony Bank on XX/XX/2017 and they said I had to wait 10 days for the overpayment check to clear and another 2 weeks to process reimbursement to me. I do n't understand why a financial institution would take two weeks to process reimbursement. It seems like it 's a great way for a financial institution to collect interest on money that does not belong to them. The women I spoke with did not provide any type of confirmation number to evidence that the request had been made and that reimbursement would follow according to schedule. I am submitting this complaint in the event other Synchrony Bank customers are experiencing similar delays and also to ensure that reimbursement will occur as promised.
Citibank had a promotion requesting folks open a savings account and deposit money, maintain it for three months, after which customers would receive an account bonus. Through their promo page, I enrolled, opened the account, and maintained the required balance. Citibank has not deposited the bonus as promised. Their customer support appears to be totally in the dark and clueless about this.
I was encouraged to sign up for IDR, but was never advised that my interest would be added to my principle if I was ever denied re-certification, or that I could be denied despite my income not significantly changing. I was recently denied and attempted to call Nelnet customer service on XX/XX/XXXX at XXXX XXXX  PST. I asked why I was denied and was told that Nelnet simply decided it was best. I asked to be rectified while on the call and was denied. I requested to find when and how much interest would be capitalized and was told they did not know. I do not believe that I should have over {$6000.00} added to my principle as my income did not significantly change and was not advised that this was even a possibility when I was guided into this plan.
I have contacted XXXX XXXX XXXX and to all 3 credit agencies. XXXX removed the account but XXXX and XXXX is still reporting false information of a debt that do not belong to me. This debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.
At the beginning of XX/XX/2019 I pulled all three credit reports and found two issues on them that tanked my credit score. One account is not even mine, the other was paid off and closed years ago. I first disputed on-line with no success. They returned results that stated " all information correct and verified with reporting company ''. I then did a little research on how to have errors removed from your credit report, as well as spoke to an attorney that advised me to send certified letters to both companies asking that the accounts be verified with proof of that verification. One company ( A collection Agency ) refused the letter, the other sent me a response that said they had verified the information with the credit bureaus and was not required to provide any proof to me other than they verified my identity on this credit card ON-LINE. So apparently crooks don't open accounts on-line???!!! 
So I filed WRITTEN disputes to all three Credit Bureaus, sent them all Certified Mail, and just received a response from XXXX stating once again regarding the same account - " Information verified with reporting agency '' and nothing more. That's it??? Of course the reporting agency is going to " confirm '' that their information is correct, but don't they need to provide some sort of PROOF other than their word?!!!!! What more can I do as a consumer to have this addressed/investigated properly??? 
The other account that I am disputing flat out refused to accept the letter that I sent them certified. Now what? I've filed written dispute as well on this response, but have not gotten a response yet from any of the Credit Bureaus. 
I need assistance immediately in addressing XXXX  and their investigation processes. Both these items need to be removed immediately as neither of them have provided any type of proof/verification of accounts.
I sent a certified written request on XX/XX/2018 for Validation of this account. I have not yet received a response from this company and therefore this account should be removed from my credit report IMMEDIATELY. Per FCRA if debt is not validated within 30 days of written notice account must be removed.
I recently had half my savings, over {$1500.00} withdrawn from my account through a fraudulent debit card transaction in a different state. I have neither lost nor had my card stolen, so when I saw that large transaction, I was worried because no one had called to tell me or ask me whether or not I was the one who spent that large an amount in one day in XXXX purchase, in a different state. I called Ally bank, who I 've had little to no issues with up to this point, my current bank with my current debit card. 

Ally explained to me that the payment was used with my debit card information and that I would have to cancel my card, which I did, and request a new one. They also told me to contact the company that my debit card was used for with this large purchase to see if they could halt payment, as though that 's the consumer 's job, because they could n't stop payment themselves even though it 's pending. I do n't believe that. They also claimed they could not do anything unless the payment went through, and if it did, I 'd have to file some paperwork and wait UP TO 45 - 90 DAYS to get my money back. 

Frankly this is unacceptable. I have never spent more than {$300.00} - XXXX in XXXX purchase, and they are aware of this. I was XXXX in the hospital last week when the purchase was made, so I could not have flown across the country and used my card in California. No purchases have ever been made outside my state of residence. I do not know why that would not be a red flag to this company. I requested alerts of payment amounts over {$150.00} and I feel Ally bank has both failed me and " can not do much '' to get my money back. I explained to them that I am out of work for up to 90 days because of this XXXX, so I was depending on that money to pay my bills. Frankly, I worked hard to save my money. For them to take up to 90 days, make me do all the legwork, not contact me about this fraudulent purchase, and so on, is unacceptable for a company that calls themselves a bank. I will be changing banks today, but I want my money back from Ally. I hope it will not take 90 days, and I hope someone can help me escalate this issue. Frankly I have had my debit card stolen with a real bank, with the same issue - they stole the digits not the physical card. That bank promised the fraud dept would get me my money back 7 - 10 days after the purchase went through, etc. I know how a REAL bank works, and Ally is not a real bank. I am disappointed in this service and disappointed with this outcome.
I have had these loans since XX/XX/XXXX. I started repaying these loans in XX/XX/XXXX. I had to defer them a few times and now the interest is outrageously high. I have been paying almost {$400.00} a month since XX/XX/XXXX. My balance seems to only increase. I was put on an extended payment plan. When I signed up for that a few years ago, it showed that my loans would be paid off in XX/XX/XXXX. I have not changed any thing since, yet now they show they're not due to be paid off until XX/XX/XXXX. I can not keep affording this payment. Every time I've called them to do a consolidation on these, I've been told that I can not do that. I currently have 13 different student loans with Navient all with different interest rates. I have a private loan through them as well, that I haven't done any deferment on and yet that one also has not decreased. This isn't right. I currently owe Navient almost {$46000.00} in student loans. I don't understand how I owe so much more than I ever borrowed. I don't understand why I have capital interest and compound interest that I'm paying on. According to my records I've paid around {$32000.00} to Navient already, yet I still owe {$46000.00}, because they take almost all of it in interest. My total before I started paying anything was {$63000.00}. My loans were originally with Sallie Mae.
The creditor violated the Fair Credit Billing Act. I previously notified the creditor that I did not receive statements from XXXX through XXXX due to an incorrect address which I notified the creditor of several times in writing and over the phone. The creditor did not respond to my complaint as requested and have incurred two 30 day delinquencies as a result.I contacted Citibank and spoke with a representative named XXXX who concurred with me.The representative also advised me that online access was canceled without my knowledge or authorization.
I own a star card, and I am part of the XXXX but I never used it unless waiting for a debit card to come by mail. When I did use it I paid it off as soon as my debit card came in. This occurred initially in ( if I remember right ) XX/XX/XXXX. Precursor : when using a star card while in the military, they will contact your leadership if you miss a payment. 

In this case I went in to pay my bill as soon as I received my debit card in person by going into the local aafes base exchange. I paid the amount and then shredded my card from my wallet. EIGHT months later I received a call from my flight commander saying that I missed a payment. I went in the next day and they told me that I already paid my balance. I talked to my flight commander and he told me to go back. I went back and they said I had a huge bill this time with 8 months of interest. I told them exactly what I said already so they told me that I needed to talk to the company over the phone. They called them for me in the store and gave me the phone. He was very hard to deal with, but I was finally able to pay my bill with acquired 8 months of interest. Although I understand that mistakes happen, I do n't mind paying the interest, but I was still punished on my credit report and they ignored my dispute. This severely hurt my credit since I have never owned a credit card before this.
I have been receiving calls from CBE group XXXX XXXX XXXX up to 6 times a day on my cell phone and home phone. Almost Everytime I answer they hang up. I spoke with a lady once and I told her to call me back at a certain time because I was at work. They called me back 3 days later and then no one answered when I answered and they hung up. They do n't leave a message. When I ask them to identify themselves and reason for call they say they ca n't without me telling them my name, address and birthday. I called them on XXXX and explained to them what they are doing is harassment and they say they are doing nothing wrong.
MY HOME IS BEING FORECLOSES IN XXXX CO.XXXX XXXX XXXX WITH A FRAUDULENT ROBO SIGNED ASSIGNMENT. THE ASSIGNMENT WAS CREATED AFTER THE CUT OFF DATE OF THE TRUST. XXXX XXXX IS THE TRUSTEE FOR THE HOME EQUITY ASSET TRUST 2006-5 HOME EQUITY LOAN TRUST FOR THE CERTIFICATES HOLDERS. THIS TRUST WAS CLOSE WHEN THE ASSIGNMENT WAS CREATED. I SENT A QWR AND DEBT DISPUTE LETTER TO SELECT PORTFOLIO. THEY CLAIMED THEY COULD N'T TRANSFER MY CALL TO THE OMBUDSMAN DEPARTMENT.
Wells Fargo had my APR rate set at 12 %. I made XXXX late payment in XX/XX/2016, APR immediately jumped to 28 % & back charged based on 28 % rate as opposed to 12 %. 

Wells Fargo has a history of bilking clients ( fake accounts ). It looks like they are moving this practices of bilking clients by back charging APR. I have decided to close out my accounts with them as I no longer trust their employees and business practices.
I contacted the hospital and was making {$50.00} a month payments. They agreed to accept this amount. I have been making these payments and they turned it over to collections wrongfully. I strongly refute this and request immediate removal from my credit report. Besides, why is there a medical bill charged against me on my credit?
I purchased a digital currency on Coinbase on XX/XX/2017. They sent me an email saying my bank denied the transaction. I looked in my bank account and they had taken the money from my account. I gave them the XXXX transaction number. I talked to my bank, they said I need to contact coinbase to solve. I opened a ticket the next day. I have sent 20 emails and they keep saying they are working on it. Its been 3 months. Below is the info I sent them. They are not responding. 


I made a purchase of XXXX ETH for {$600.00} on XX/XX/XXXX with my XXXX XXXX debit card on file. You ( coinbase ) took the {$600.00} from my account. You then sent me an email saying my bank declined the purchase! It did not! Below is the XXXX transaction number from my XXXX XXXX debit bank account. I contacted them, XXXX, and they said you took the money and I need to solve it with you. Thats when I opened a ticket. Here is the XXXX ID number. 

XX/XX/2017 WITHDRAWAL CHECK CARD COINBASE CHEAPSIDE GB DATE XX/XX/17 XXXX XXXX Here is my ticket number they gave me Case # XXXX XXXX XXXX
As of XXXX/XXXX/2015 at our third modification meeting, we had met with bank represanative XXXX XXXX for Nationstar XXXX mortgage Servicer XXXX Mediatior XXXX, our Realtor & attorney present. During this meeting we were told specific steps by the bank we needed to follow to proceed with short sale. XXXX/XXXX/2015 House on Market. XXXX/XXXX/2015 received cash offer on house same day as mediation. XXXX called bank & bank counter offered & stated higher amount needed to settle with bank. XXXX/XXXX/2015 Cash Buyer agreed to new terms. Offer pending since XXXX/XXXX/15. BPO done on XXXX/XXXX/2015 .XX/XX/XXXX15 Home Search notified our agent of an auction on property. XXXX/XXXX/15 Cash Buyer cancels offer due to auction. Auction Dates XXXX No offers. Porperty still on market XXXX/XXXX/2015 Home Search notifies realtor of new auction. Auction Dates XXXX. XXXX received notofication from XXXX XXXX short sale coordinator that short sale purchase agreement auction has been received.XX/XX/XXXX Offer sent to us & our attorney. XXXX Attorney has concerns about agreement : stating who is the " Seller '' and also Escrow Date of TBD. Also emailed XXXX XXXX coordinator concerns so she could forward to Nationstar. Meantime Home Search ( Auction site XXXX contacting Auction Buyer stating they want to close in 15 days. Buyer notifies our realtor of correspondence. No correspondence/contact to XXXX XXXX XXXX short sale coordinator ) our Realtor, our Attorney, from Nationstar or Home Search. XXXX Nationstar requesting new BPO??
I was late on two minimal amount payments because at the time I was in XXXX and moving from forward operating base to forward operating base. In some situations there was nowhere to pay the bill and the bills were being sent to my home address in Florida so I actually forgot them until I got to a military location where I could physically walk into a Post Exchange and my account could be accessed. My history with my military star card is excellent but for the two incidents in XXXX. I believe I would be comfortably above 800 if this were off my record. In that unique situation where there was not automated way to view or pay my bill I think that should be taken into consideration.
The following accounts I'm asking to be removed from my credit report due to the fact that I have absolutely no contractual obligations to either. The following accounts contracts obviously been cancelled, because I have No Contract with ( 1 ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, for {$99.00}, ( 2 )  XXXX XXXX XXXX, XXXX, {$240.00}, and {$100.00} Again, No Contract / No Knowledge of the above companies. I'm requesting physical documentation, or as stated with the laws of the FCRA, if the companies can not provided me with such, then the accounts shall be removed immediately.