WillisBack/dataset-financial-user-claim huggingface dataset:
After multiple attempts, I finally was able to have Fedloan Servicing accept my standing instructions for how payments in excess of the minimum should be applied. I instructed Fedloan Servicing to apply payments in excess of the minimum to the principal of the loan with the highest interest rate, in the event that XXXX or more loans had the same interest rate, the excess payment should be applied to the loan with the lower balance. Their agreement was evidenced by a message sent to me on XXXX/XXXX/2017, which stated that all payments received after XXXX/XXXX/2017 would be applied in accordance with my instructions. Subsequent to Fedloan Servicing agreeing to follow my instructions, I have sent 5 payments totaling {$2900.00}, none of which were processed in accordance with my instructions. I have tried calling Fedloan Servicing but each time I do, the representative informs me that the payment will be corrected in 2 business days. I have also tried contacting them in writing through the contact us feature on their website, but I ca n't get a response from them ( this is consistent with my experience in trying to set up the standing instructions ).
Filing a complaint here is that last option I have. I have uploaded the agreement sent to me by Fedloan Servicing and the evidence of payments being applied incorrectly.
I 'm assuming this is for a payday loan based on internet searches of the number. They continually call me at work though I 've not taken a loan. They say I 'm going to be served at work or home. Sometimes they call from an XXXX number or XXXX. Other times it 's a private or incoming number.
XXXX, CA. I was contact on my phone with a basic threat about a payday loan stating that I had been officially notified. This call was from a woman, not XXXX XXXX. I then call the number to XXXX ( That is what he said the name of company was ) and spoke to a man named XXXX XXXX. His phone number is XXXX. He told me I owed a payday loan and said the amount owed is {$510.00}. He gave me a case number. On XX/XX/2016 they debited my account for {$85.00}. On XX/XX/2016 they tried to debit another {$85.00}. I then received a call from XXXX XXXX stating the charge was refused by my bank. He told me to call my bank to see what the problem was. When I contacted the bank they stated they do not debt any thing over {$50.00} to the state of New York because of all of the fraudulent things coming from there. When I returned XXXX XXXX call and told him what my bank stated he ten said " Well we will take out {$45.00} today XX/XX/2016 and {$40.00} on XX/XX/2016 ''. This makes 2 payments of {$85.00} that they have received. This leaves 4 more payments of XXXX which they will break down in 2 payments each. The thing that raised a red flag with me is that XXXX XXXX is in XXXX but their payment department is in XXXX. The fact that XXXX XXXX actually answers his own phone and does not go through a secretary, with this suppose to be a Law firm seems rather fishy to me. Please help me resolve this. Thank you. XX/XX/2016
I am disputing accounts reported by XXXX XXXX XXXX XXXX XXXX ; Account XXXX {$460.00} and Account XXXX. Certain transactions on both accounts were not authorized as well as duplicate charges for a hotel reservation. I contacted the original creditor XXXX XXXX XXXX about these transactions. XXXX failed to dispute those transactions and closed the account and sent these two accounts to XXXX XXXX XXXX XXXX , XXXX . I demand verification of debt. These two accounts were reported on my credit files on XX/XX/XXXX while these two accounts were still open and active. I received letter from XXXX XXXX XXXX XXXX XXXX that was forwarded through the postal service XX/XX/XXXX. The letter was dated XX/XX/XXXX with the default date of XXXX XXXX. In the letter XXXX XXXX XXXX XXXX , XXXX. stated This account may be reported to a Credit Bureau but no sooner than 90 days. That statement was FALSE as they reported to the credit bureaus on XX/XX/XXXX. Their letter was dated XX/XX/XXXX. Accounts XXXX and XXXX were closed by XXXX XXXX XXXX the second week of XX/XX/XXXX.
Acct # XXXX Upon investigation, I have retained new copies of my credit reports, they did not furnish the credit bureaus with the required disclosure in 30 days. Original letter dated XX/XX/2016, 2 subsequent letters have been sent. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. In addition, I have requested verification with my signature as required by FDCPA section 807-8 but they keep claiming validation of account. 

I reported them to the BBB and they responded that they reviewed their records and had no record of my XX/XX/2016. I forwarded a copy of the letter and signed return receipt dated XX/XX/2016. They acknowledged my second later and marked my acct as disputed more than 60 days after my initial request and they provided me with no documentation bearing my signature validating the acct.
After my Fathers death mid XXXX, my mother and I tried to regain control of an account managed by him for which my mother and me are currently co-owners. My parents are international customers living in XXXX, I live in XXXX. For that account a card was existing but the ATM pin was unknown and no cheques were existing. 
It was nearly impossible to contact the bank throughout several months as a key number ( social security number ) is needed to make the phonecall and all known personal contacts at the bank branch were not responding to emails/phonecalls. 
We managed to get through on XXXX XXXX to the branch and the director agreed to send to XXXX a card and a cheques book to regain control of the account. Nothing ever arrived. 
We managed to get through again on XXXX XXXX through the XXXX number and the person attending agreed again to send a card and cheques. Nothing ever arrived. 
Between mid XXXX and mid XXXX, all money in XXXX different accounts was spent from XXXX XXXX XXXX XXXX using a single card. In order to do this also money was transferred between accounts within the bank ( from an account for which no card was existing to the one that was accessible via the card ). The card number and type used is still not known to us as the bank has refused to provide any information. 
We ( my mother and me ) traveled to the branch personally and placed the claim personally. 
After less than one week, we found out that the claim was denied. 
After this, I reviewed the claim to figure out that it was wrongly formulated and requested a correction via the branch. It is not clear for us if the claim was updated for such correction. 
In addition we requested more information regarding the reasons why it was denied as well as more information to enable further investigation from our side. The branch has, after more than XXXX requests, not provided such information. 
The claims department indicated that XXXX leters have been sent explaining the reason for not accepting the claim but none of these have arrived so far ( after almost 2 months ). 
Through the branch, I requested an account statement to find out that most of the account fees and XXXX fraudulent transaction had been refunded back ( total amount of fraudulent transactions is around XXXX and fraudulent transfers XXXX ). 
After contacting the claims department, they insist that the claim has been fully denied and that no refunding has taken place. 
I have been trying to get information from the bank but just get forwarded from one section to the next one. Waiting times are considerably long ( last phonecall was 2 hours long until the call got forwarded once more and there no audio was available ).
i have disputed and asked equifax credit bureau to validate a collection that is reported on my credit report. i have no business with this collection company. i was told it was verified but when i asked them to provide me proof, such as, my signature on this, they did n't and could n't provide me any proof that this was mine and i signed for it. to this day, this collection that is n't mine is still on my report. i need validation of my signature and this credit bureau is refusing to provide validation. i need this fix asap. pls help me. thank you.
Equifax has been potentially been hacked and my information is included in the data breach. My Social Security number and other identifiers are at risk, alongside some 143 million other Americans.
I believe Mobiloans LLC fraudulently stole my identity from the Internet and processed the loan with the expectation that I would cash the checks thereby agreeing to the loan. Mobiloans LLC sent XXXX checks in the mail without me soliciting a loan. Since I had not applied for the loans I presumed they were an unsolicited loan so I destroyed the checks without cashing them. Because the checks were not cashed there is no legitimate loan and the ensuing debt collection notice is fraud. 

I have submitted a police complaint but the local police are not able to resolve the fraud. 

The loans appeared on my credit report and I filed a dispute with XXXX and XXXX. XXXX resolved the dispute by deleting the account from my credit report. XXXX resolved the dispute by making a comment in the file and the loan is shown as being " Charged off as bad debt, Profit and loss write-off ''. 

I applied for a loan with XXXX XXXX XXXX and the loan was denied because of this statement in my credit report.
i try to contact london & london about a debt that i had no knowledge and try to explain that i didn't know about this debt or even the judgment for this debt that i got the judgment back in XX/XX/XXXX XX/XX/XXXX i didn't know really and when i try to ask london & london to show proof of the original contract with my signature on it and more information about this debt not just a copy of the judgment note of XX/XX/XXXX i live in XXXX  ct for any court dates it should of been in XXXX  ct and im cleaning out my credit report for the first time and to me this debt that i had no idea looks old debt i would say 9 years and i want this to be remove from my credit reports or show big proof with my signature
For the past couple of years I have been disputing charges from XXXX XXXX XXXX XXXX, I initially signed up for a treatment package up to {$1500.00} with Comenity Bank and treatment was going to be rendered for about 8 months. After my consultation I made an appointment and when I showed up to the facility was closed, shut down and out of business. I made numerous attempts to contact them by phone without any luck. 

I did make a few payments and contacted Comenity Bank and later the collection company XXXX XXXX but they were not able to negotiate. 

These charges/services were not delivered as agreed and I truly believe this should be deleted from my credit report as it is hurting my credit. 

Please help, XXXX XXXX XXXX XXXX
XX/XX/XXXX XXXX XXXX changed from XXXX XXXX to XXXX XXXX. With this change there was a payment issue that I was unaware of which put my account into delinquency. 
XX/XX/XXXX, I moved. With the change over that happened within this window, the Address was not accurate or the phone number. Defaulted to old information somehow. On XXXX XXXX I spoke with XXXX in length. She was able to confirm the errors on XXXX Banks behalf. She also expressed this happened to many people. She waived all late fees, removed all interest charges, and confirmed my inaccurate contact info. 
She updated all reimbursed me for everything, and my account was brought to XXXX balance. She assured me they would send a letter to remove all three negative remarks on my credit. That never happened. I have called since then on XX/XX/XXXX andXX/XX/XXXX as well as today, XX/XX/XXXX. All three times they are able to confirm the notes from XXXX, but are unable to confirm why the request to remove from credit was denied. Today, XXXX confirmed that it was do to several delinquencies. There were XXXX, XXXX from the intital switch, and XXXX in XX/XX/XXXX with the move and inaccurate info- rmation on their end. All of these were an error on the behalf of synchrony due to the switch. Once the error was caught it was immediately rectified on my end and account was brought to XXXX.
We received a debt collection notice from Southwest Credit in the mail claiming they were collecting a debt for one of our creditors ( XXXX ). We do not owe a debt to XXXX and are always current with our bill. We also have a monthly automatic withdrawal set up with XXXX, so we know we are always current. We contacted XXXX and verified that we do not owe a debt and also that we have never been sent to collections.
I contacted Equifax about some incorrect, inaccurate, and fraudalent data on my credit report and the collection companies that are reporting the data and asked them for validatity of the debt which is required by federal law ( FCRA ). The collection agency did n't provide me with any information and it 's been over 30 days and I petitioned Equifax to delete the collection accounts and have n't gotten any justice! I want this well documented with the CFPB so when I proceed to file a civil lawsuit my greivances are documented that I went through the proper channels and I 've tried to settle this before proceeding any legal action. If the collection agency ca n't provide me with documentation, how are they proving anything to Equifax.
I recently applied for a mortgage and there was a judgement recently added to my credit report on XXXX XXXX,2017 and I did not know I even owed a debt I believe this is a fraudulent account and I was not able to ask the creditor for the validity of the debt because they sent the notice to some unknown address.
I sold our house at XXXX XXXX XXXX XXXX, closing XX/XX/XXXX, 2017. The settlement statement is attached. The loan, # XXXX with SLS was paid off. Since then I 've received to bills from XXXX. About 2 weeks ago, the first one arrived and I called. SLS told me to send the settlement statement by email, which I did. I never heard back until XX/XX/XXXX, when another bill arrived. I returned the bill by mail along with the settlement statement and a short letter describing the problem. I 'm also sending this information to the title company that handled the escrow.
XXXX When all bills are paid on time my score never increase XXXX points and when late they decrease XXXX points why? XXXX XXXX card XX/XX/XXXX phone XXXX I did not request a credit card in m name and a police report is on file. XXXX XXXX phone XXXX XXXX XXXX XXXX A credit card was issued in my name to a difference address and charges was made A police report is on file because I did not request this card.XX/XX/XXXX. XXXX 's was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX was paid XX/XX/XXXX All educational student loans are paid
Hello there, I found two hard inquiries ran by " XXXX  '' on XX/XX/2018, and another one called " SYNCHRONY '' on XX/XX/2018. The one that states " XXXX  '' is legit but " SYNCHRONY '' came out of nowhere and I am unable to dispute this issue.
3 Months Ago in XX/XX/XXXX I discovered Items on my credit report that I did not recognize the Creditors, Amounts, or Dates. 
The Items are : National Credit Adjusters Acct # XXXX* {$1600.00} & XXXX Acct # XXXX {$2200.00} Both Items are the same account with the same account number reporting twice. However, with different amounts and dates. 

XX/XX/XXXX I sent a certified letter to each Credit Bureau requesting validation.XX/XX/XXXXThey responded and said they had validated the information, but provided me no other information or supporting documentation or evidence XX/XX/XXXX I sent a second certified letter and directly disputed with the Furnisher of the information ( National Credit Adjusters ) To date ( XX/XX/XXXX ) The Furnisher has not complied with the FCRA. They have refused to respond to my request for  information including, ownership, credit agreement, terms or who opened the account. 
The Furnisher placed the information on my credit report without ever notifying me of its existence. 
XX/XX/XXXX I filed an identity theft report XX/XX/XXXX I called XXXX  to resolve and was told there is no way to fax documents. I was told to use their upload site.

XX/XX/XXXX Attempted upload via XXXX each attempt even for a single page resulted in an error instructing me to mail documents XX/XX/XXXX I attempted to submit the dispute online at eXXXX the site instructed me that the dispute had been resolved the info was validated and I could not continue to dispute.

XX/XX/XXXXI sent a third certified letter to XXXX requesting the information be deleted. and including the identity theft report. 
Both XXXX and the Furnisher are complicit and continue to report Invalidated, Unverifiable and Incomplete information on my credit report. This derogatory information is causing me financial harm and is going to cause me to breach a financial contract both XXXX and the furnisher are in violation of the FCRA.
EQUIFAX, XXXX, XXXX All 3 credit reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call
On XX/XX/XXXX, we had hurricane Irma and due to that, I was out of work for a while. I called NationStar Mortgage which goes by Mr. Cooper now and explained that to them. They told me that I did not have to make any payments till XX/XX/XXXX and that those payments were going to be added to the back of my loan. I called them on XX/XX/XXXX, and the operator that I spoke with told me that I didn't have to make my payment till XX/XX/XXXX. When I tried to make a payment in XX/XX/XXXX, it showed that I had to pay {$3000.00}. I called and spoke with them and they told me that when I called in XXXX, they did not have a plan on how they were going to help the customers affected with the hurricane. I told them that they told me something different when I called on XXXX. I spoke with a supervisor who taught that all I have to do is send a letter from my job and after that the payments were going to be added to the back of my loan. I sent the letter and called them a couple of times and they never return my call. Two days ago, I got an email saying that nothing was approved and that I have to pay {$3600.00} all together and that they do not take partial payment. They are very deceitful and they should not be telling customer lies. If they would it told me that back in XXXX, I would borrow the money from someone and pay my mortgage. I do not have {$3600.00}, I work and go to school which I pay in cash. They need to honor their word and add those payments to the back of the loan.
XX/XX/XXXX deposited {$1400.00} into ATM WellsFargo XXXX XXXX on XXXX XXXX, zip XXXX. 
Machine jammed, machine asked me to enter the amount I deposited. I entered {$1400.00}. Machine printed receipt saying {$200.00} of deposit is available today the rest will be available on XX/XX/XXXX. The machine closed down to any other users at time. 
My account was not credited the remaining {$1200.00}. 
I filled a complaint in the branch. The credited my account till they did a investigation. 
6 weeks later they completed their investigation, told me the machine balanced and debited my account {$1200.00}, causing overdraft. 
I do n't know what to do, I have no proof and feel completely powerless. At time of deposit I had {$2000.00} in my account. We have banked there for 9 years. We have a Wells Fargo Credit Card with a limit of {$18000.00} that we built up from {$5000.00}. We are upstanding members of the community with no criminal records, which is more than I can say for WellsFargo. 
Please advice me, {$1200.00} is not a fortune I know but substantial for me, I cant just swallow a loss of {$1200.00}. 
I cant understand how this could happen and the emphasis is on me. I put money in my Bank and its gone.
I am submitting this complaint for account number XXXX. My patient reference number is XXXX. I received a letter from a debt collection agency regarding a bill that I have been paying to XXXX XXXX XXXX Hospital. I was never placed on a financial/payment plan with this company and never received a bill from this company until a month later ( Received XXXX bill in XXXX, XXXX bill in XXXX and etc ). Therefore ; I took the initiative and started paying on it before I received a bill to ensure that I did not encounter late fees. I have paid a total of {$120.00} on this bill ( XXXX/month ) because that was the amount that I was able to afford based on my other bills. I have never missed a monthly payment nor did I receive a certain amount that I would have to pay but my information was sent to the debt collection agency. I have the check numbers for the amounts I have already paid XXXX XXXX XXXX $ ( Check # XXXX ) XXXX XXXX XXXX $ ( Check # XXXX ) XXXX XXXX $ ( Check # XXXX ) XXXX XXXX XXXX $ ( Check # XXXX )
Check was deposited on XX/XX/18 through mobile check. I get a notice saying that my check was on hold. I went in person at the neares bank of america on XX/XX/18 and the bank teller told me theres nothing she can do to fix the hold on the check and to call customer service because they would be a better help. I called Bank of Americas customer service and was told that the check would be on hold for 10 days and wouldnt be available to me.
I have been a victim of fraud and a data breach. I have inquiries on my credit report that were not made by me. I did not apply for credit from any of these companies listed below. 

XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Capital one is a sleezy cheap credit card company that doesn't follow specific guidelines to get their customers credit line increases period.
We got a call at about XXXX XXXX on Friday, XXXX XXXX. The debt collector was calling from XXXX. He called to ask about XXXX XXXX, and also asked if we thought she could ever put our house as collateral. This alarmed my mother and I, as it gave us the impression that our home had been illegally placed as collateral on a loan. I asked the caller to identify himself ; he said his name was XXXX XXXX and was calling for LTD financial services. As a result of this call I ended up divulging phone numbers for other members of my family out of fear.
I came thru drive thru at XXXX to drop off XXXX deposits before the bank closes at XXXX because its Saturday and when the worker came up to me at drive thru she did n't even acknowledge me she just opened the metal drawer and pull it back in and walked away. I do n't care if I came at XXXX technically ya 'll are still opened gor another 5 minutes so if she had a problem doing my deposits I can gladly change banks because I do n't need a worker with a XXXX face on dealing with my money. This location is TD Bank XXXX XXXX XXXX, Fl XXXX. I do n't know her name but she is shortXXXX. Deal with her and how to be customer friendly because her customer service is ugly. Thank you and have a nice day.
I have tried on multiple occasions to dispute incorrect names on my credit report with Experian, however ; they do not permit you to dispute online when names are involved.. To begin, my name is backwards. My correct name is XXXX XXXX XXXX. The following names do not belong to me, I have never been known by them, and some of them belong to family members of mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX