WillisBack/dataset-financial-user-claim huggingface dataset:
I received a phone call while I was trying to console my XXXX child from a blocked phone number. The blocked phone number has called me twice at this point and so the third time I answered. It was a collection agent from XXXX XXXX XXXX. I told him it wasn't a good time because I was with my daughter and she was more important at the time but he could call me back the following week day when it was more appropriate. He would not let me off the phone for over 20 minutes. I eventually had to hang up on him. He called back the day I suggested at a time I told him I was not going to be available to go back and forth with him, but he tried to bait me again. I asked him to send me validation of the debt and he flat out refused. I hung up because he was trying to make me mad and kept telling me how my credit could be affected and that they didn't have it on my credit " yet! '' Today, I received another call from him ( " XXXX '' ) and this time he wasted no time to get me over to his " supervisor '' and then his " supervisor '' proceeds to tell me that if I don't pay that they would send my information " to a local lawyer to sue '' me! Now, I know some things and I know that is illegal. I understand that they have to make money, but to threaten people is unacceptable. To deny to provide proof of the debt has to be illegal as well. I haven't received the validation as requested and they refused to send it as well.
I am writing to address fraudulent withdrawals that took place on my credit card from XX/XX/XXXX to XX/XX/XXXX. I have attempted several times in the last year to contact wells fargo to investigate the issue and they have been reluctant to do so, providing only the basic documents and denying any additional research into the fraud. I reached to assistance with a financial counselor on XX/XX/XXXX of this year and the company was unwilling to take any additional steps to research the claim. Essentially, someone, pretending to me made a series of cash advances using my credit card. Through my conversations with wells fargo, these were conducted at atm 's in wells fargo branches. My claim that this is fraud could be easily verified by reviewing the camera footage at the atm. However, they are unwilling to address this issue. I am a senior citizen on a fixed income and am struggling to maintain my home. While these issues individually are not catastrophic, the cumulative impact of this issue has resulted in significant financial hardship. I have attached copies of statements, the items in question highlighted. However, in summary the following items are in dispute : XX/XX/XXXX - {$56.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - XXXX XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$600.00} XX/XX/XXXX - {$700.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$600.00}
I reviewed my credit report and there is two collection accounts that doesn't belong to me. 
My ex husband filed a bankruptcy chapter XXXX on XX/XX/2016 and debt belongs to him and it was included in Bankruptcy. Case file number XXXX XXXX, Transunion and XXXX has sharing my information with collection companies and credit companies without my consent.. 
I never had a XXXX XXXX credit card owning {$590.00} and a collection of {$3900.00}.
My insurance company XXXX XXXX failed to pay an emergency room doctors fee because of a clear misread of my medical coverage. After spending many months trying to resolve the issue with the insurance company and the medical biller, the outstanding bill was sent to XXXX for collection. On XX/XX/2018, XXXX XXXX XXXX XXXX stated that the unpaid debt would be reported to credit agencies if not paid in full. XXXX was contacted by XXXX XXXX on XX/XX/2018 ( two days later ) to let them know the account/bill was covered and was going to be paid by XXXX  and not to pursue the matter any further. The XXXX representative who XXXX spoke to was named XXXX. On XX/XX/2018, XXXX sent XXXX a Explanations of Benefits document showing that the bill was in fact paid in full. On XX/XX/2018, XXXX reported the unpaid debt to XXXX and XXXX. An XXXX representative stated that they are not responsible for correcting the reporting to the credit agencies. This uncollected debt now appears on my credit report. This is a clear violation of the FDCPA.
Citi attempted to bill my full balance ( not the amount due XXXX to my bank account, resulting in 3 overdraft fees of {$30.00} each, so {$90.00} in fees. Citi additionally charged interest and additional fees to my account, which have already been refunded. I am seeking reimbursement for the fees resulting from their multiple, incorrect, and unauthorized charges. I have already spent several hours on multiple phone calls attempting to resolve this issue. Citi sent me a letter on XX/XX/2018 requesting documentation, but no address to send it to. I am providing that documentation.
I had a collection account with XXXX XXXX from an old XXXX XXXX bill I owed for. I called them to pay off the collection and they informed me that when it was paid in full, it would be removed from my credit reports. I made three payments to them in the amounts of {$81.00} each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay off the collection. I waited a little while and noticed it was taken off my XXXX, but it still shows on my XXXX XXXX report and with a {$240.00} open balance! I filed a dispute and they responded saying it was valid, although it isn't! I then called the company to try and fix the problem and they just kept transferring me to other people and then hung up on me. It still shows on my XXXX XXXX account as open with a balance and now I can't get a loan for a car because they won't fix it on their end!
On XX/XX/2017 XXXX XXXX XXXX dba XXXX XXXX filed forclosure papers on my home for not providing flood insurance on the home. According to FEMA we are in flood zone x which is not inside the Special Flood Hazard Area ( floodplain ). The elevation certificate shows the house is well above the top of the dam. The Senior Planner for XXXX Co, says the house is outside of the 1 % /100-year Special Flood Hazard Area ( floodplain ). Champion mortgage is a predator. They charge monthly for property appraisal which according to case no XXXX class action complaint against Nationstar Mortgage dba XXXX XXXX filed in Illinois is illegal. I have to mail them the verification that I live at my home 3-4 times a year  because they say they never received them. This Company is also in the insurance business so of coarse they want me to have to pay for flood insurance I don't need!
I was a victim of identity theft while in the XXXX and recently found out that I had this on my credit report.
Private lender, expecting payments of XXXX a month. When I only make XXXX a year. Spoke with lender, told her I was still interviewing for a higher paying postion that this payment is outside of my income bracket. She refused to listen and said that I am expected to make the payment of {$340.00}, said she could n't make any payment changes. We both got irate and hung up. I am not saying I will not pay, I just need a lower payment ... and she did n't seem to understand that.
Experian has a loan showing on my credit file that is wrong. It has late payments showing. 

XXXXXXXX XXXX XXXX XXXX this account was in deferment the whole time. I see when I wrote in back in XXXX 2017 saying it was updated but nothing was change that 's why I 'm filing the CFPB because Experian has not done nothing on my credit report. There is no late payments when a student loan is in Deferment
I have contacted them several times about 3 late payments that were not late and they told me that they would fix it. They fixed one late payment in XX/XX/XXXX but notXX/XX/XXXX or XX/XX/XXXX.
A creditor sent me a fraudulent bill for {$1800.00} in XXXX XXXX. I sent the creditor a letter to cease all communications and confirmed that I disputed the charges. See attached letter. The letter was sent certified and the United States Post Office records confirm it was received by the creditor. 

Recently, I received a letter dated on XXXX XXXX, XXXX to attempt to collect the fraudulent charges. According to the Fair Debt Collection Act, a debt collector can not contact me since the original creditor was notified. Note that this is INDISPUTABLY a violation of federal law.
During my time with Ocwen Mortgage, they changed my monthly payments to Bi-monthly. Once this occurred it seem like every month I would receive a late payment before my payment was even due. A few months they had reported me late before the XXXX of the month. I have been in contact with them several times and each time the answer is different. I currently sold my home but cant get a new loan due to them falsely reporting on my credit report. when I try to get this resolved I get the run around. When I finally got a phone number to call its to a pizza place. Every review online is the same thing. The people need to be stopped.
I has a several student loans held by Sallie Mae. These loans were transferred to XXXX. I was never in default or had a missed payment. https : //myeddebt.ed.gov/ has confirmed this and so has the Dept. of Education. I consolidated my loans, then my loans got transferred to XXXX. XXXX is incorrectly reporting that I was 60/90/120 days late. This is incorrect, I was in school, my payment were deferred and in forbearance. Before Sallie Mae received this loans, XXXX originally held them. However, XXXX still will not remove the incorrect reporting.
In cfpb Complaint No. # XXXX and # XXXX, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to Bank of America and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations. 
Thank you, XXXX XXXX XXXX
My account was closed by PNC Bank .... My account experienced fraudlent activity.I told PNC .I was n't paying it ... So I am now in collections ... Through a third party collections agency.I am disputing the charge again.I am requesting PNC take back the debt and service the account an XXXX balance.Since it was fraudlent activity done on the account.They seem to have an I do n't care attitude.I am a XXXX who understand they are in violation of the Fair Debt Collection Act of XX/XX/XXXX and The Fair Debt Reporting Act of XX/XX/XXXX.If this serious matter is n't resolve with 30 days.I will file a XXXX Dollar Federal Class Action Lawsuit in US District Court.I will also subpoena every phone call recorded and every note on my account.I will not tolerate being on XXXX and reported to the XXXX credit bureaus ... My account should never have been charged off.
I have been unable to communicate with the company regarding how my payments are being applied to principal and interest. I have not been able to get an updated amortization schedule of my payments, even though I 've contacted them by both phone and email several times. The customer service center has been unable to even tell me how my upcoming payment ( s ) are going to be applied. I 've been told when speaking to the customer service center by phone that there is no department available for me to escalate this to by telephone and that I must email. I have emailed the address they provided four different times and have received no response whatsoever. The company tells me that because I changed my payment date ( allowed one time during the life of the loan ) that they no longer have the ability to amortize my loan and I can only find out how my payments are being utilized ( P & I ) after the payment is processed. The level of this company 's apathy to my requests is unbelievable. I make my full payments, I 'm not concerned about the amount of the payments as I was aware of that when I took the loan ; I am just trying to understand where my money is being applied so that I can better manage and understand when and how much is going to work best for me if I can make an extra or larger payment to help me pay this off sooner. 

The company did send me a transaction history, but this has no future payment schedules showing. This was in response to my request for the amortization schedule. I just find it hard to believe that as a financial company, selling financial products, that they have any kind of inability to see an updated amortization schedule. They have one - they just are not willing to share it - as they know and have calculated how much they can make from the loan they gave me. Please help me get the requested information from them.
Equifax improperly lists a tax lien for which the filing was *withdrawn* ( not just released ). 
Under the IRS XXXX XXXX program, the item should be removed from my credit report. I filed a dispute with Equifax , and attached the withdrawal notice ( IRS Form XXXX [ Withdrawal of Filed Notice of Federal Tax Lien ]. The ( terse ) response from Equifax indicated that some database they use was still reporting the filing of the lien. Their response did n't address the fact that the filing had been withdrawn, as evidenced by the notice I attached.
This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Equifax was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.
Bank does n't want to return my ach deposit on a closed account. I met with a banker named XXXX XXXX that put a return of funds. Wells Fargo Bank failed to make such easy task.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX XXXX/XXXX/XXXX Capital One XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : CFPB CASE # XXXX - Respond not a Fair Enough Capital One Account # XXXX Dear Capital One, I am not happy your response which I received and I feel like your bank treated me very unprofessionally and I feel like always discrimination. 
I will attached your reference Capital one Credit Bureau resolutions letter on XXXX and XX/XX/XXXX Capital one asking Supporting documents for account number ending XXXX. 
Your letter indicated ( Capital One CFPB Case response XXXX ) your bank update details are accurate and how possible they asking supporting documents? this is a discrimination. 
I am maintain XXXX accounts good standing and good payment history ( Last XXXX # ending XXXX XXXX ) Please re investigation my issues and Consider " Goodwill Adjust " this account and remove Late payment on XX/XX/XXXX Really Appreciated Thanks ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX
I continue to have problems accessing my online report and today through a credit monitoring service I discovered they are know reporting XXXX inquiries in the last month, incorrect information about an account and they have me listed as having for a non existent company. They have caused my credit score to drop XXXX points with their mistakes!!! 
I should not have to pay postage or waste valuable limited minutes on my phone. I have never had a problem with XXXX or XXXX. Every year I have problems with Transunion and they appear to be the XXXX many companies turn to for credit reports. I have contacted them directly twice with no workable solution. In my previous complaint they were supposed to fix what I reported and they did not. The same XXXX security questions are being used with wrong data for the answers, therefor blocking me. In addition to inability to obtain report : I know they have incorrect information on account status and terms, the have my personal information wrong, and have listed and enormous number of inquiries ... almost an impossible number according to Credit XXXX ... ... I HATE this company and the power they have to ruin lives with their ineptness and possibly fraud to benefit lenders they are associated with.
Capstone credit & collection is reporting incorrect information on an account that does not belong to me. The balance on the account is {$3200.00} as of XX/XX/XXXX. Account states that it was opened on XX/XX/XXXX. Capstone has made several threatening phone attempts and. I have asked the company previously to verify the account is mine.
I had a consumer loan with XXXX XXXX XXXX XXXX for the purchase of an auto, although it was a personal loan consigned by a friend, as I had not had or needed any credit for the past 12 years or so ... ..my score was in the XXXX, showing no activity. I needed some credit, so received the loan and proceeded to build my credit. Prior to the hiatus in activity, my credit was perfect ... .. 
After two years of perfect payments, I asked Equifax to update my credit report in XX/XX/XXXX ... ..in the meantime, the originator of the loan, XXXX XX/XX/XXXX , was bought out by XXXX XXXX XXXX XXXX . In the process of updating, Equifax was unable to contact XXXX, so they took it upon themselves to REMOVE MY 2 years of perfect payments from my record. I asked them to put my 2 years of credit history back on my report, they refused ... .I asked again, they refused. I then asked XXXX XXXX XXXX to put my history on my report ... ... they refused, even though my account was transferred to them during the takeover. MY SCORE, THAT I WAS TRYING SO HARD TO BUILD, DROPPED 40 POINTS, because Equifax could not contact XXXX ... ..but it plainly shows on XX/XX/XXXX credit report with Equifax. I feel this is very unfair to me and is very discouraging ... ... now I am wanting to buy some Real Estate, but my score is 40 points lower than it was ... ... .Help PLEASE ... ..!
Santander Consumer USA refuses to allow me to voluntarily surrender my car back to them and insist on repossessing the vehicle and charging me to do so. I can not afford the exorbitant charges and interest rate. They insist that I should pay XXXX to get another 30 days to pay when I can not afford to do so and I just want to return the car.
Credit Collections USA LLC, has placed a collection for {$83.00} on my credit report and according to the State of Florida license search they are not permitted to collect in this state. I am requesting that this debt be removed from all the Credit bureaus such as XXXX, XXXX, and XXXX speedily. 
The date that this collection was opened was XX/XX/2017 The Balace is {$83.00} The Reporting debt is {$83.00}
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$8700.00} Closed Overview You've paid off 0 % of the original amount. 

Balance {$8700.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX. XXXX, XXXX ( 4 yrs, 9 mos ) Term 72 months Payment History Youve made 18 % of payments for this account on time. 

Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Remarks Consumer disputes this account information Charged off account
XXXX has recalculated my plan to {$320.00} a month, I 'm past due due to errors in the calculation of my monthly payment, and the representative I just spoke to told me I should sign up for direct debit so that they can bring my account current. 

Up until XXXX XXXX, I was paying {$80.00} a month on a revised PAYE plan. I missed the annual recertification date because I was n't given proper notice and payments jumped to {$160.00}. The only notice I might have received was a generic " You have a letter in your XXXX inbox ''. I receive these a lot and it has no meaning to me. Had I received proper notice, I would 've recertified on time and continued to pay a reasonable monthly rate. 

I emailed XXXX many times about missing the re-certification date and they only responded to me once. It was a generic response of no help. 

I married in XXXX ; my wife works part time for supplemental income, so our household income is 90 % mine. After getting married, I applied for a new XXXX plan in XXXX and was denied. I called and spoke with a XXXX representative and she told me that I needed to apply for a recalculation of my payment rather than apply for a new plan. She provided me an estimate of {$110.00} a month, which I found satisfactory. 

I followed this representative 's directions explicitly and filed for a recalculation of my monthly payment. Yesterday I received word that I owe {$320.00} a month. My household size doubled, my income increased by a very small amount, yet I go from paying {$80.00} to {$320.00}. 

I called and spoke to a representative tonight ( rep. # XXXX ) and he told me that a miscalculation occurred. I sent in supporting documentation for my wife 's income, because her income this year is much lower than the previous year. He told me that my payment should have been calculated to about {$230.00}, not {$320.00}. Regardless, he suggested placing me into forbearance until XXXX next year so that when we file taxes jointly, there would be a hard number for the monthly payment to be calculated on. 

I used my forbearances immediately after graduating college in XXXX. I was n't able to find a stable job until XXXX. Because I have no forbearances available, the representative suggested that I apply for direct debit so that my past due balance would become current. He has recommended that I sign up for a {$320.00} payment that even he has admitted was calculated incorrectly. 

I was on the phone for 50 minutes, 20 of which was on hold, trying to find a resolution to this. I want to pay my loans and be current, but I want to pay something that is fair. I would 've stuck with the XXXX XXXX monthly payment had I not been told that my payment would be recalculated to {$110.00}. 

I am constantly lied to when I speak to a representative on the phone, I am ignored when I email, my repayment requests are either denied or calculated incorrectly. I do not want XXXX as my servicer. I want to pay my student loans in a reasonable monthly payment and with a loan servicer that is not corrupt like XXXX.