WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX ( Original Creditor ) sent accounts to Paramount Recovery Systems. XXXX accounts are reporting from them and some removed and some not. The amounts were {$450.00}, {$420.00} & {$360.00}. The {$450.00} was not filed with my insurance correctly and due to the time frame i never received any communication that I owed any amounts. {$360.00} I did not have insurance and on the documentation provided their records states do not file but they put on my credit any way. This was to be cleared as a charity case as this is what information I signed stating this would be taken care of. Now the last {$420.00} ( visit in XXXX ) was never filed through my insurance until a year later ( XXXX ) and XXXX verbally assured me that it was their fault they did not file it properly as they had already had my insurance information. They updated the balance on my credit to {$97.00} but i was assured I was not liable for this as the claim was written off. I am very frustrated as i have disputed this with the credit bureaus and they are refusing to delete or stating the information is correct. Since then I paid the crazy {$97.00} even though I felt as though i should not because this was not my error and I again never received a bill stating the balance. I only have my XXXX. This creditor is hindering my chances of getting a home and its frustrating when i tried to work with both XXXX and PRS and got no where. XXXX stated they would inform PRS to delete this entry but PRS stated they were looking into it and never got back with me. I am furious that the Credit Bureaus XXXX & XXXX care nothing about the proof i have sent over and over yet they keep these collections on my account.
My Husband and I have been paying our loans through the company XXXX XXXX since getting out of school in XX/XX/XXXX and XX/XX/XXXX. We do have a variable interest rate on our loans but we just received a letter that we feel is not fair. 
Every year our loans go up because of interest increasing but we received a letter on XX/XX/XXXX stating that they made a mistake with the interest rate between XX/XX/XXXX and XX/XX/XXXX and they didn't charge us enough. They are going to ask us to cover the cost of their mistake which coule be a lot of money. My husband owes over XXXX on his loan and I owe about XXXX ; so a year of lower interest could be thousands of dollars. 
We already pay this company XXXX and XXXX a month and are struggling to make those payments. 
Please let me know if this is acceptable I can attach the letters below There are no financials details as well, which is normal from this company. 
In previosu years when our loans amounts increased instead of sending letters, informing us of our new bill amount, we get phone calls regarding late fees because we didn't pay enough money in the previous month. 
They are very frustrating to deal with Thanks XXXX XXXX
Nelnet is reporting me as 90 days late on a student loan payment. This is incorrect because I was enrolled in school when they claim that a payment was due. I 'm a military veteran and I 've been attempting to apply for a VA Loan for 4 months and this erroneous information on my credit report is holding up the loan approval. I have transcripts that prove that I was in school and and payments should have been deferred until I graduated which did not happen until XX/XX/2015. I also have my student loans consolidated with the XXXX XXXX so I do n't understand why Nelnet continues to report this erroneous information on my credit report. I have attempted to speak with a Nelnet representative about this mistake and they are rude each time I call and refuse to remove this information.
I just received an alert on my credit reports that a collection account was added. The account belongs to XXXX XXXX XXXX. I have an account with them now and I am presenting using their services ie cable and internet. Therefore, I am confused regarding what the details of this account is. I do not have mail from the collection account to call and dispute this account, hence why I am reporting this through CFPB now. This collection company has not called me nor have I received any mail stating otherwise. The account according to my credit report was opened on XX/XX/2018 for {$130.00}.
In my Equifax credit report, only SSN, XXXX account and one of the addresses are mine, others belong to another person.
I took out a loan with Loan Me.Com. at the time I took out the loan the payments were set for 4 years at {$350.00} per month automatic deduction from my bank account. When I called them to find out the payoff balance, the amount I was told was greater than the amount I originally borrowed. I have been paying on this loan for a year and have paid a total of {$3800.00}. They told me the payoff would be XXXX the interest rate is 135 %. I am wondering if companies can do this legally and what options do I have.
Between the years XXXX, I was persuaded by my loan servicer, Navient, to either use forebearance or deferment as a method to postpone payments I could not afford rather than reducing my payments or offering me income-based repayments.
Green Tree Mortgage Servicing company shorted what was due back to me when I refinanced my mortgage. I wrote the company on XXXX XXXX, 2015 requesting a complete accounting of why they feel that what was paid to me was correct. As part of the requested documentation was a complete history of my escrow account as they are claiming that two full months of MIP were owed to them when a statement received from them showed that the XXXX MIP payment was taken out of my escrow account with my XXXX XXXX payment. The payoff was received by Green Tree via wire transfer on XXXX XXXX, 2015. At most, Green Tree is owed 1 month of MIP and they have withheld two full months of MIP from what was due back to me. In their response, they did not provide the requested documentation nor did they fully account for the monies they withheld from my escrow and prepaid interest refund.
I paid the Online Collections, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still on my credit report
Every other month Navient increases my account balance by {$2100.00}, then reports the increase as paid down 30 days after the original posting to my credit profile. When I contacted Navient for explanation the rep said that nothing was being reported on there end and they could not explain why this is happen. 
I need this resolved because it lowers my credit score by 10 points and I'm in the process of buy a home and this will impact my ability to get a home loan.
When we bought this house in 1977 it was not in a flood zone. In XX/XX/2016 Freedom mtg. informed me we were in a flood zone and had " 30 '' days to get ins., my agent said he could not get the ins. that fast. I called Freedom mtg. they said they would make note of that and I said I would have a policy to them as soon as possible. They proceeded to get their ins. and said I needed to pay the premium or they would foreclose. After receiving my policy they canceled theirs, then sent a letter saying they were going to foreclose because I had n't sent them {$140.00} for the time they had placed flood ins. on our property. I paid the amount within the 35 days, in fact I still have 20 days left. I received 12 letters in 2 days saying they were going to foreclose and now they have ordered an appraisal and are going to charge me for that. They are about to drive me insane and I would never refer anyone to them.
I was told to break my complaint down into several parts since it involved multiple companies this section will feature Nelnet. 

I think it was XXXX I started getting XXXX from Nelnet. 

Nelnet was giving me stuff about my Federal Student Loans at the same time as Performant Recovery. I went to US Senator Warren and said what the XXXX? 

The account number Nelnet gave me does not match the account number XXXX gave me, the amount XXXX gave me does not match the amount Nelnet gave me. XXXX to XXXX I have about XXXX social security checks garnished none of which was reported to anybody. 

My phone used to ring off the fin hook from one machine calling my house to another one calling my house. 

After talking to the US Senator Warrem my check stop getting garnished. 

XXXX might have lost his job in XXXX of XXXX shortly after that however Nelnet said we are going to garnish your check this that and the other thing. 

Nelnet refused to give me a wage garnishment hearing. They said so in a letter dated XX/XX/XXXX Nelnet did not tell me about all of my legal options such as income based repayment, heavens to beltatross imagine if they did Im {$20000.00} under the discretionary income line for my state I would be ordered to pay monthly payments of XXXX dollars but the problem comes in companies like Nelnet dont make any money that way. 

I was going through XXXX in XXXX, I did not know if I could make it to US Senator Warren office, my doctors told me to avoid large groups of people. I didnt know how I could avoid that in XXXX, so I went to US Representative Tsongus office in XXXX, In XXXX of XXXX Nelnet sent me a letter they said I had 60 days from the date on that letter to comply. I set up a doctors appointment for XX/XX/XXXX which is about 1 week before the 60 day marker. 

In XX/XX/XXXX the US Dept of Edcuation garnished my social security check, what the XXXX they were not supposed to garnish my check until XXXX according to their own letters. 

They also garnished my check for XX/XX/XXXX, but did not for XXXX of XXXX. 

side note : I have more material to upload than your servers can handle on this matter my total amount of material easily exceeds 20 MB limit you have.
I applied CITI Business AAdvantage platinum select credit card in XXXX. The card was initially declined due to a previous application in XXXX. So I called the customer service and requested a reconsideration. About 3 week later, I received the approved card in XXXX. Then I immediately called in to activate the card and double check with rep about the opening bonus, which is that get XXXX AA mile with spending {$3000.00} in 90 days. However, I was told I am not eligible since I closed the account in XXXX this year, which is against CITI 's policy that applicant wo n't be eligible for the bonus if they open or close the same product within 24 months. But the truth is that I have not had this card for almost three years. I applied this credit card in XXXX and closed around XXXX or XXXX in the same year. Thus I felt confused and also surprising that the system identify I closed this product just in XXXX this year. Technically, who is opening the same card within one month. It is not logical for the applicants. Thus the suspicious reason to lead this issue might happen during the consideration period manually. So I called in a couple time and tried to communicate with the rep and the supervisor. However, they neither can tell me how the account was closed in XXXX XXXX without any card not call indicate what the error to lead the closure. They blame me to request to closed account. Frankly, they should record the conversations I called each time. The easier way to find who requested the closure is to replay the voice record. I know I did not request that since I have not have this card for three years. So they should make a full investigation and give me a convincing result. in the end, I request CITI to honor the bonus.
XXXX continues to say I owe a paid debt. I have a letter from them saying paid in full and XXXX will not remove either despite complaints and copy of paid in full letter
OnXX/XX/XXXX I called XXXX XXXX store # XXXX @ XXXX. In reference to a title loan that 's currently on my credit report with Ad Astra Recovery Service @ XXXX. I called ad astra to inquire about them removing said accounts from all 3 Bureau bc the vehicle was towed, sold and a lien release was giving for the title. While my account was n't updated with transfer of sold vehicle. Mean while Ad Astra Recovery stated, " they no longer had my account it was referred back to title customer service @ XXXX  or customer relations @ XXXX XXXX Which never udated my account to different status or collection agency. Ad Astra also informed me that they cant keep the collection account for over 181 days. On XX/XX/XXXX I recieved a call back from " title customer service '' stating debt was still owed whether they have my Collateral or not. She also implied that their were 6 outstanding loans on this vehicle totalling over 6,000.00. I replied to her I never got more than 2,000.00 in any of those title loans and that their is fraudulent activity going on at XXXX XXXX i.e to all the title loans or bank loans associated with my account at XXXX XXXX store # XXXX. I ask the representative to please remove ad astra from all 3 bureau and she declined. Bottom line is ad adstra no longer has my collection account and I want it removed or with an updated balance from when the car was sold by XXXX XXXX in XXXX XXXX. They housed the vehicle for 2 yrs b4 it was sold so it should mean that XXXX XXXX XXXX owes XXXX XXXX the Title, my guess. Lastly the only reason why I knew the car was sold in XX/XX/XXXX. Ironically, I recieved an inbox from XXXX XXXX of the buyer of my XX/XX/XXXXXXXX  asking if I had the original key to the vehicle to get the trunk opened. The loan number that was giving reflects my credit report and Ad Astra Recovey Service no longer has Responsibility to hold my account as a debt. I am all out of options and in desperate need of help. Thank you in Advance.
I submitted a dispute to Transunion disputing inquiries on my credit report. I received a letter from Transunion that did not address my concerns at all and nothing was done. Today I called and spoke to some guy from XXXX who said his name was XXXX and know it was n't. I told him that I was aware of that in summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. He proceeded to tell me that it was not Transunion 's fault but it was the fault of credit karma. XXXX XXXX is owned by Transunion I demanded that he remove the inquiries at once because by law I have to be notified when an item is being added back to my credit report 5 days prior. He refused
Yesterday I brought my bank, Wells Fargo a check from a major financial investment company. I was taking funds from an investment account to put in my WF account. It was n't some personal check from nobody. it was verifiable funds from a major company. I told the bank manager I am ONLY depositing this IF you can make some of the funds available to me immediately! If you ca n't, I am going to another bank and opening an account. She was wonderful, personally handled the deposit and made a small portion of the funds available in my checking account immediately. 
IN THE MIDDLE OF THE NIGHT, Wells Fargo pulled ALL those funds back!!! I called the bank manager and she told me there is nothing she can do about it! How is it possible that I saw the funds available in my account for 12 hours, I have a receipt that shows them available and a bank manger personally handled the transaction and now THEY TAKE THE FUNDS BACK and put a HOLD on them!
After cancelling paperless billing with Discover Card because the online bills were always blank, My paper statements are not sent to me. I have to remember to call Discover Card every month and have them create and send my statements. Their customer support always tells me that everything looks fine on their systems but yet the statement is not sent unless I call and tell them I have not received it.
I paid this credit card to a XXXX balance in XXXX. The XXXX statement said no minimum payment due so I didnt pay anything then assessed me a late fee for a XXXX   balance account in XXXX. Now it is XXXX they reported me to the credit bureau as being past due over 30 days and it is over a late fee assessed based on their statement showing no payment due ... .and they have assessed an additional late fee. I have set up payment to be drafted out of my account. I want the past due status removed and the late fees reversed.
I have been making private student loan payment to Navient for XXXX XXXX for several months, sending XXXX check to cover XXXX separate loans. They receive the check and it takes 10 days to process and post in their system ( I have mailed payments via priority mail and tracked to confirm receipt in their office ). They called me claiming my payment was late after it was already received, and I told them THIS WAS A VIOLATION OF FEDERAL LAW, since they already received my payment. I also sent written notification of same The next month, they received my payment and applied the entire payment on just XXXX loan, showing the XXXX other loans late/unpaid and charging late fees. There was no notification to me of a change in application of my payments, or I would have written XXXX checks, instead of a single check. 

They have also ceased sending email notices, so I did not become aware of the problem until the monthly statement came through the mail. 

This was all done in retaliation of my confronting them on the practice of receiving my payment and not applying it to my account for 7-10 days, WHICH VIOLATES FEDERAL LAW.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current employer is XXXX XXXX, XXXX XXXX XXXX. I am a victim of ID theft, I was going over my credit report and discover that someone has been using my personal id to open up accounts for credit and business. The following addresses are not mine please delete remove them from my file : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX , XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX/CAPIOPART XXXX Your company have violated FCRA XXXX ( f ) ( XXXX XXXX. XXXX ( f ) ) ( f ) XXXX on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XXXX of this title has resulted from identity theft. 
( XXXX XXXX Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
XXXX XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX/CAPIOPART XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
XXXX XXXX fraudulently reported a dispute on my credit report for a {$600.00} collection. This is shows as a revolving credit which was paid in full over a year ago. The dispute was finally removed after 4 months. However, my home loan is being denied 10 days before closing because XXXX XXXX/HSBC is refusing to delete the inquiry off my report. I am about to lose my home loan all because a {$600.00} collection was fraudulently disputed and effected my credit. If it had n't been disputed and the dispute recently removed, I would be approved for my home loan.
My US Bank Account Credit Card and Line of Credit was hacked after 2 Plus Years of no Late Payments - I immediately reported it to US Bank with no assistance to date.