WillisBack/dataset-financial-user-claim huggingface dataset:
I ordered a textbook online advertised as the US version.  What I received was the much cheaper, and not useful to me, international version. I tried to return the item to the merchant, but they never responded. I then proceeded to dispute the charge with Capital One, but they failed to address the issue as required by federal law, state law, and the terms of use for the credit card itself. 

XXXX XXXX MerchandiseXXXX XXXX XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX Purchased : Fri, XXXX XXXX, XXXX Posted : Mon, XXXX XXXX, XXXX Purchased By : XXXX XXXX Appears on statement as : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
I took a " payday loan '' from XXXX XXXX for {$600.00} on XXXX/XXXX/XXXX. I was advised that there would be a {$210.00} " finance charge ''. It was very clear to me that I would be paying back {$810.00}. They have since taken four payments of {$210.00} each, dates are XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and today XXXX/XXXX/XXXX. I called today just to verify that this loan is paid off after today 's installment and was absolutely HORRIFIED to learn that this {$210.00} is a MONTHLY FINANCE FEE until I pay off the " principal '' of {$810.00}. This makes the interest rate unbelievably ridiculous. This was ABSOLUTELY NOT explained to me EVER when I took this loan. Please help! I have paid back {$840.00} so far on a {$600.00} loan, had I known of this deceptive " finance charge '' I never would have taken the loan. 
Also in the " truth in lending '' electronic form I sighed it showed NO FINANCE CHARGE and NO INTEREST. This was all very deceptive and can not be legal. I am a single mother working to support my kids and I feel I have been taken advantage of in the worst way.
XXXX XXXX Incorrectly stated late by thirty days on XXXX X when they clearly received on time payments. XX/XX/2014 they marked the payment late for 30 days when they received it on time for credit reporting on XX/XX/2014. Yet the statement shows received on XX/XX/2014 and processed XX/XX/2014. Something similar happened in the next month. The payment was due on XX/XX/2014. However that date was on a Sunday. XXXX processed on the Monday XX/XX/2014. That payment was probably received on the Friday or Saturday before the due date but processed on that Monday
I have three school loans taken out one that happens to be in XXXX ( XXXX paid and XXXX balance ) before I was even born. Then the other two on my credit report were in XX/XX/XXXX ( 1= {$3000.00}, the 2nd= {$3100.00}, both closed. But was told that they're the same one. But on my credit report it states that there different. ) I also tried to dispute those two that I never did those that I fully believe my ex-husband XXXX XXXX whom I divorced in XXXX and have a five-year XXXX XXXX against until XXXX that he committed fraud against me. I sent in document stating my case. Nothing was done and now I was garnished my XXXX taxes ( {$3.00}, XXXX ) which I was trying to use to support my XXXX kids and move out of California with and now I can no longer do. Can you please help? Not only am I financially struggling but I was also trying to fix my credit for a better future for my family and I and I am at a total loss at what to do now and nowhere to turn for help. I can't even afford a lawyer so whatever you guys can do for me would be greatly appreciated.
On XX/XX/XXXX I sent XXXX a dispute letter and received a response about debt settlement on XX/XX/XXXX. It was past 30 days when I received the response from them. I asked them not to contact me yet they still call from local numbers. I called XXXX back in XX/XX/XXXX to find out about doing a " pay for delete '' and was told that THEY CAN NOT GRANT my request. I had several other collection accounts with XXXX in the past and they were removed without me paying a dime. They are conducting illegal activities.
ONCE AGAIN XXXX FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO XXXX TO XXXX XXXX. AS WE SPEAK XXXX REPORTING ON EXPERIAN AND XXXX AS XXXX AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.
After seeing Debt Recovery Solutions on my credit report I contacted the original creditor because I thought this bill had been paid off already. The original creditor ran my name and social security number it showed a {$0.00} balance. I decided to inform Consumer Finance after completing a over the phone dispute XXXX because the bill is still being reported as open. The bill being reported as open leads me to believe XXXX XXXX XXXX is ignoring the cease and desist I sent them through their own website on XXXX/XXXX/2015 XXXX. I do n't work with collection agencies to settle debts. 
I had a bill go to collections a few years ago that I paid. 
The collection agency however never reported the bill as paid, instead they sold it to another collection agency. I showed the proof to the new agency which stopped it 's collection efforts and the original creditor who counted my bill as paid in full luckily for me.
We filed bankruptcy in XX/XX/XXXX. We continued to pay our mortgage to Wells Fargo. Prior to our filing bankruptcy Well Fargo reported to the credit bureaus properly about our payment status. After the bankruptcy was filed Wells Fargo stooped reporting that we making our mortgage payment and instead sent us a letter every month saying they received our mortgage payment. 

We ask Wells Fargo why this was happening and they told us it was because we did not reaffirm our mortgage. We contacted the credit bureaus and were told that this was between Wells Fargo and us, not their problem. 

We contacted our bankruptcy lawyer and were told that the state of North Carolina does not allow reaffirmation of a mortgage. We conveyed this information to Wells Fargo. 

In XX/XX/XXXX we approached Wells Fargo about a loan modification and after 18 months of haggling and run around we received a loan modification. Even after the loan modification Wells Fargo still would not report to the credit bureaus that we were making our payments on time, they kept sending us a monthly statement saying they received the payment. 

In XXXX plus years of home ownership we never missed a mortgage payment until we asked for a loan modification and were told by Wells Fargo because we were making our payments that they would not grant us a modification. We were told by Wells Fargo during a phone call that we would have to miss payments before they would talk to us about a modification. Wells Fargo denies we were ever told this by one of their employees, both my wife and I are willing to take a polygraph to back up our claim and or testify to this in court.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : DISCOVER BANK Account Number : XXXX Account Type : Revolving or Option Account Status : Closed Monthly Payment : Date Opened : XX/XX/2013 Balance : {$2700.00}
Foreclosed on my property while going through trying to get a repayment plan or some kind of help to prevent foreclosure. And they prolonged my paperwork. I have asked to reinstate my loan and they tells me its nothing they can do and I know it is I have called numerous of times begging for them to get it straight I feel like the escalation team did not do a complete review in my account cause if they did they could see I have been dealing with this since XXXX of 2017. I felt like I was being prolong on writing hardships explaining why Im having large sump of being debiting into my account where they can clearly seeing coming from my work place they have the bank statement and my paycheck stub with the same amounts I have worked day in day out to get this account straight. Shellpoint mortgage service had me writing so many hardship letters on stuff that they had from the judge about child support just crazy stuff. They knew exactly what they was doing and as for XXXX XXXX whose suppose to be my case worker didnt know anything he couldnt even tell me what was a I unapplied balance was. Thank to XXXX XXXX she explained it to me and couldnt believe what Shellpoint has done and clearly they seen I was trying to avoid this situation.
My income based repayment plan increased my monthly payments by almost double, I could n't make the payments so i called Navient to see what my other options where. Talk to a rep, she let me know that consolidating my loans would be a good option. She let me know that during the review process I would n't need to make the high monthly payments. That they would send me a letter with the terms and that if i decided to go that route i can sign and return the paper work. Well i did receive the letter from Navient regarding the consolidation, I saw the price and had a XXXX XXXX XXXX. All the money i had already repaid would pretty much go down the drain, I did n't know what to do so i decided to let it go and stay with the high payments. I was waiting for the package that included the signature pages to turn down the consolidation, it never arrived. Logged in to pay my loan and it said it was already re-paid!!! <P/>Navient consolidated my loan without me signing off. The letter that had the terms had at the end that if they did n't hear back from me they would take it as me accepting the new terms. XXXX???!!!! This was in XXXX 2016! What if i was on vacation and did n't check e-mails, obviously i wo n't have access to my mail. I felt so taken advantage of. There was nothing anyone could do to help me. All the money i had already paid off was gone. I owed it all again plus more. <P/>I do n't think this process is fair! All i did was go to college to have a better life and it has become the biggest regret of my life.
My pay has been garnished due to defaulted student loan. Garnishment payments are still ongoing! I 'm still receiving collection/threatening calls at work and to the human resources department ; in addition to my in-laws whom I have never authorized to have this company contact them. This needs to stop immediately and I need help doing so please.
I was contacted by XXXX mail on XX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX on XX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XX/XX/XXXX, then my father ( XXXX XXXX ) XXXX XXXX in XX/XX/XXXX, and my mother ( XXXX XXXX ) XXXX XXXX in XX/XX/XXXX ( three months XX/XX/2017 apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their funeral and I still have to get a head stone for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. XXXX XXXX XXXX is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) XXXX certificate and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers XXXX certificate ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this XXXX XXXX loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX XXXX. Also can you please have them stop reporting also until this investigation is resolved?
1. Bank of America Credit Card account was closed on XXXX20152. From XXXX/XXXX/2015 thru XXXX/XXXX/2015 BofA continued to allow XXXX charges to closed account. I did forget to change the XXXX payment. However, BofA was not supposed to allow ANY purchases as I was guaranteed by XXXX ( BofA representative ) on XXXX/XXXX/2015 when I closed the account that NO OTHER CHARGES would be allowed at all. 
3. Contacted XXXX on XXXX/XXXX/2015 to get the payoff amount - he stated it would be {$2600.00}. 
4. XXXX/XXXX/2015 A payment was made in the amount of {$2600.00} was drafted from my credit union. The online platform showed a lesser amount, however, I paid the amount stated in # XXXX. Again, after the account was paid in full on XXXX/XXXX/2015 - Bank of America allowed another charge from XXXX on XXXX/XXXX/2015.
All of my payments have been on time since having a mortgage with Carrington ( mortgagee ). However, when I was contacted by Carrington to refinance afterwards my payments went from {$1500.00} to {$1400.00} starting in XXXX 2016. So for XXXX I continued to make my payment of {$1400.00} but on the payment website the amount due was showing {$1500.00} so I immediately contacted the agents of CMS which were my primary contacts throughout financing. I was told by the agents that there must be a mistake and they would investigate and to continue to make the {$1400.00} refinanced payment while they research the issue. 
When I tried to make the XXXX payment I was told by another agent that my XXXX payment was not made. I told that agent that I did make the {$1400.00} payment. The agent said that the amount was not applied as paid because it was not in full ( {$1500.00} ). I explained that I had refinanced and my primary contacts were looking into this matter to make the amount due corrections. The agent continued to research and said that more than likely my escrow had increased and I should go ahead and pay the {$1500.00} amount for XXXX and the additional {$96.00} for XXXX while this is being researched. So I paid those amounts in hopes of getting this issue corrected soon. 
After receiving derogatory credit reporting from Carrington for not paying the full {$1500.00} amount in XXXX without explanation of why it was increased I finally received a letter on XXXX/XXXX/2016 explaining hat happened. 
My property taxes had increased for XXXX thus increasing my escrow and monthly payment amount but I was not notified by Carrington nor the City of XXXX. 
After explaining this situation to Carrington, they are refusing to correct the missed payment reporting to the credit bureaus. 
To add further insult. I have documentation from the refinance closing that I was entitled to a closing refund that CMS has refused to pay me
Received a phone call on XXXX from Office of XXXX, pretrial mediation stating I owed XXXX to a payday lender that have never received money from. The caller was named " XXXX " who refused to give me any information as to contacting Check N go. I went online and found a contact number, spoke to a representative whom I asked if my name and last XXXX of my digits have been in the system past or present. The answer was no. I smell a scam. 
XXXX phone # : XXXX
I refinanced my Fifth Third Home Equity Line of Credit that I had with XXXX XXXX XXXX. The check given to Fifth Third by XXXX was {$520.00} more than what was owed. My husband went into the Fifth Third branch on XXXX, Ohio on XXXX XXXX to request the funds. He was told that it would take 10 business days. 
Well, 10 business days later and now I 'm being told by XXXX XXXX in Fifth Third Customer Service that it will be 5 MORE business days. 
I would like my money + interest. It 's funny that Fifth Third can process money out of my account in 2 seconds, but it takes them 15 business days to return my money?? 
I have closed my mortgage and savings accounts. I would like to close all of my Fifth Third accounts if they would give me my money back! I have never dealt with such poor customer service in all my life!
My mortgage servicer, Seterus, Inc has not been able to explain material mis-calculations on my pay-off statement. Most recently, it refused me access to my account information such us the form XXXX. A representative of Seterus ( XXXX ) refused to talk to me and asked me to communicate to my lawyer when there has always been an authorization on file for me to speak with the representatives directly. I asked for the manager ( XXXX ) who XXXX also refused. Seterus, Inc has had a long track record of making errors, for example, my loan modification process was delayed by more than six months because of its internal process error. When I questioned the manager, he threatened me with not giving me the modification. This is a very bad loan servicer who does not care about the XXXX of money they are entrusted by the home owners. Seterus, Inc can easily cost a homeowner XXXX of dollars if it is not watched very carefully.
National Biweekly Administration has debited money from my account and not paid my mortgage. They have not refunded the money. They have not answered calls or emails.
Nationstar Mortgage is predatory in nature. Since XXXX XXXX XXXX sold my loan to them, they were constantly calling me or sending me emails for their products, even after I told them not to. Thankfully I was able to get this stopped over time, but recently I called to see how much I needed to pay off my PMI. Nothing was said about a long wait time to get it applied to my account. When I paid the amount needed to get PMI off, I have now been getting the run-around. I contacted them to get it taken off and was told it would take XXXX10 business days to research it and then take another amount of time to research it again before it is taken off. Then, the lady I spoke to said there were other people ahead of me, so they would n't be able to start to look into the matter until XXXX XXXX. It 's XXXX XXXX right now and I had already called about this on XXXX, with no answers. On XXXX, I was told I would receive a call on XXXX about this, but received no call. Now because this is being drawn out so long, I will have to make atleast XXXX other PMI payment. Why does this process take so long and why am I being given the run-around on this?
XXXX/XXXX/XXXX : I requested validation/substantiation of a collection claim from XXXX XXXX XXXX XXXX XXXX in the amount of {$220.00}. No response was received at all, so I took it a step further and contacted Equifax ( followed the same steps for XXXX and XXXX, XXXX removed the account after their investigation : XXXX and Equifax did not ). XXXX/XXXX/XXXX : I requested Equifax investigate and remove the account due to XXXX XXXX XXXX XXXX XXXX non-reply ( provided a copy of the letter sent to XXXX XXXX XXXX XXXX XXXX ). XXXX/XXXX/XXXX : Equifax responded indicating that their investigation was complete : item verified. XXXX/XXXX/XXXX I requested the method/detailed explanation of the verification. In Equifax notice to consumer section on each response to my dispute, it specifically indicates word for word ; " You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the phone number. '' XXXX/XXXX/XXXX : Equifax responded with a duplicate of the letter received dated XXXX/XXXX/XXXX, the only difference was the date. My request was completely ignored. My requests were mailed certified, I am not only losing money but also losing time on detailed correspondence which is clearly not read by a human, this is obvious because I am receiving duplicate automated responses. Equifax stated in their response letters to me that they requested that XXXX XXXX XXXX XXXX send a response to my dispute ; why would n't Equifax forward me that response?
I have made no payment on this debt since XXXX, so I believe that the debt collector, Jefferson Capital Systems LLC XXXX, MN XXXX XXXX, is in violation of the six-year MI statue of limitation on this debt. During the court session XXXX XXXX XXXX : Case No. # XXXX, on XXXX XXXX, XXXX, I attempted to explain to the judge that I believed the statue of limitations had expired on this debt. I was informed that this court proceeding was only to identify that the debt was mine. I would like the Jefferson Capital Systems LLC to stop any further court proceeding and/or any further actions for collection. Jefferson Capital Systems LLC was required to bring documentation concerning the debt, but the representation did not present any documentation for the judge.
Unfair negative credit reporting. I initiated a 39-month lease on an Infinity JX 35 XX/XX/XXXX, financed by NMAC. I managed the payments on with an automated withdrawal from my checking account. This led to a perfect payment history with NMAC. All of my payment communications were via email. After lease end XX/XX/XXXX, I only became aware of a balance due of {$410.00} when I noted a negative report on my credit. I found out that this was a disposition fee. I was told that statements were sent to me via mail. They were sent to an old address. I inquired why I had not received any communication via email or phone, and was told that that " is not what we do ''. I understand that the Fair Credit Reporting Act requires notification of an overdue debt before a negative report is established. From my standpoint, inadequate effort was made to contact me. If all of my communication was via email for billing, my expectation was for that to continue. I also know that I checked my online account a few weeks after turning the car in, just to make sure I was n't inappropriately charged for anything. I did not see a balance due at that time.
After disputing certain accounts/items on my Equifax credit report I received an email when the dispute results were ready stating that I can view the results online with a confirmation number & a link to go to. However, every time I log in to check the dispute results I get this message " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. 
Please try again later or contact us directly to check the status of your dispute. 
We apologize for the inconvenience. '' After receiving this message I have called multiple times to find out what information doesn't match their records and they never know what the problem is and all my information matches what they have in the system. They then just try to read me the disputes without any proof or written notification. They do not allow results that are online be mailed to my address either. So not only can I not view my results online and save for my own personal record, I also can not request a hard copy be mailed to me address. A few times an Equifax customer service rep has even suggested to " just try again later '', which is completely unacceptable and unprofessional.