WillisBack/dataset-financial-user-claim huggingface dataset:
I have had my student loan for 5 years. I had deferred and reduced payments ( due to income ) for the first few years but have been paying the full amount for the past three years. I am building a plan to make extra payments to pay the loan off faster, as part of the planning I called the servicer to get a payment schedule / amortization schedule. They are unable / unwilling to provide this, they sent a letter saying I have approximately 108 payments left. There was no information about interest calculations etc. I know the balance, rates etc and can calculate a simple interest payment but wanted to see their calculation to both make sure my calculations were correct and to make sure I 'm not being taken advantage of by a company I do n't trust. I 'm astonished that they wo n't provide the most basic repayment schedule. I have worked in lending and written loan notes for years and have always provided a payment schedule. I got this loan for a XXXX and it 's one more reminder that I made a bad decision. It makes me suspect I 'm being taken advantage of in the repayment process.
To whom it may concern, I got a collection call from someone who had confirmed my XXXX   address at XXXX. She had told me that because my cell phone are code was XXXX that she thought I still lived in XXXX but had my XXXX address on file and asked me to confirm it. This had awoke my XXXX year old as well. Credit Control Sincerely XXXX XXXX
Reports of late payments were issued to the mortgage account for the year of XXXX - XXXX. Payments made to the company were never more than 30 days late, per credit reporting guidelines reports should only be made on credit reports when payments are made 30 days or later. 

Verbal contact was made to the company 's customer service, regarding reporting. Customer service associate stated the company would not be able to do anything regarding the reporting, due to the report already being sent to the credit bureaus. 

Credit bureaus were contact regarding the reporting, reports were received back and stated that the company did not remove or issue a note regarding the situation.
Synchrony bank has called my number XXXX plus times a day even on Sat and Sunday even after XXXX. When I answer I 'm either hung up on, placed on hold and if I start speaking I 'm disconnected. I have not been able to even speak to someone to say anything.
An account was opened for XXXX XXXX in XXXX of 2016. Immediately after a better deal was obtained from XXXX. XXXX equipment was returned to them and the account closed within two weeks, well within their 30 day no risk guarantee. XXXX has attempted to claim two invoices in the amount of {$200.00} for XXXX and XXXX of 2016 despite their equipment ( set boxes and routers ) being returned and the account closed in the same month, XXXX of 2016. Despite repeated requests for a contractual agreement with a start and end date to validate their claim for this money, they only provide invoices as their validation, which does contractually prove any agreement between myself and XXXX.
I am extremely upset that a collection agency called my family members and employer after they had my correct contact information. XXXX XXXX XXXX from United Recovery Systems XXXX ext XXXX left a message on my cell and then proceed to contact my family members and work. He did not give me an opportunity to call him back after XXXX message. I spoke with his manager to notify him that that was inappropriate to contact my family members.
For the past four months they are not supplying the balance or payoff amount to keep the consumers as my self in the dark. They are collecting payments and not crediting the accounts. When asked for my loan balance no one knows. The company keeps saying they are upgrading their system so they can not supply me with my loan balance.
Equifax has Reinserted previously deleted information on my Credit Report, in violation of FCRA Regulations. The Reinserted information was deleted based on the result of a 30 day investigation. Disputed information was tied to a Revolving account with XXXX under account number XXXX. 2 late payments were being reported on this account for the months of XX/XX/XXXX and XX/XX/XXXX. The account was updated on XX/XX/XXXX and the late payments were deleted, however Equifax has reinserted the late payments back onto the account on XX/XX/XXXX. FCRA Regulations do not allow the creditor/furnisher or the consumer credit agency to reinsert previously disputed information after it has been disputed, investigated, and deleted.
I obtained my credit report and discovered multiple errors with accounts from  Federal Pacific Credit Company stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provid e any documentation to me. Neither did  XXXX ,  XXXX , and  XXXX  disputed these bogus accounts. There is no account numbers associated with these accounts.
There were 3 fraudulent activities on my Comdata account dated back to XX/XX/18. One of my charges was returned by Comdata, the other two they said they will investigate. It may take up to 90 days for them to investigate the fraud. I waited the 90 days, I emailed them daily and weekly and nobody from the fraud department has gotten back to me. Finally, I contacted the XXXX XXXX XXXX where the fraud was committed and they  agreed that the charges are fraudulent, she sent the email to Comdata to return the money to my account and they refuse.
I am a victim of identity theft and someone compromised my Bank of America checking and savings account. I have filed numerous complaints with Bank of America, but they continue to hold me liable for the accounts that was compromised by someone who stole my identity and impersonated me, and made unauthorized and fraudulent transactions on my checking and savings account.
I am including documents showing my current credit scores, according to Equifax XXXX credit bureaus credit reports and scores, this is simply unfair, that XXXX XXXX still reports my XXXX I still have with them as a negative account, and there is also another problem at my job they simply do n't care, and having all the evidence showing this is unfair, as the complaint number shown above here at C.F.P.B. shows, there is no need to write a lot here, just to show how this looks at the credit bureaus today, Wednesday, XX/XX/XXXX, XXXX Complaint submitted at XXXX XXXX today, evidence included here. No matter it appears written that consumer disputes the account, that does not change the fact, the credit reports are not showing any evidence about why the dispute still exists, and the negative account is just as negative, and unfair in this case, that the credit report still appears affected, and, I am not able to pay now for the F.I.C.O version of XXXX XXXX, the XXXX used by banks most of the time, next XXXX XXXX to XX/XX/XXXX, the investigator at the U.S. Equal Employment Opportunity Commission said they should receive the first response from the local Department of Education, where I am suppose to be working and I am not, complaint at the E.E.O.C. is number XXXX, and there was no response from the local Dept. of Education since last XX/XX/XXXX, when this complaint at the E.E.O.C. was submitted, so is not only XXXX XXXX the problem.
DATE : XX/XX/XXXX COMPANY : MONEYGRAM AMOUNT : XXXX DLLS.
REFERENCE NUMBER : XXXX ORDER NUMBER : XXXX I DECLARE THAT THIS SEND IS CANCELED SINCE XX/XX/XXXX AND I HAVE BEEN PERSONALLY PRESENTED TO REQUEST THE RETURN OF MY MONEY IN 5 OCCASIONS IN THE OFFICE WHERE I DID MY TRANSACTION.
I HAVE ALSO SPOKEN MULTIPLE OCCASIONS AT XXXX, THE ONLY TELEPHONE WHICH HAVE WHERE THEY SHOULD RESOLVE MY SITUATION WITH RESPECT FOR THE RETURN OF MY MONEY AND ONLY PROMISE ME SAYING THAT IN THE FOLLOWING 24 OR 48 HOURS I WILL OBTAIN IT.
HOWEVER, THE SAME ANSWER HAS ALREADY TOLD ME SOMETIMES AND THEY HAVE NOT RESOLVED ME WITH RESPECT TO THE RETURN OF MY MONEY
On XX/XX/XXXX I had bought jewelry ( diamond ring ) which they asked me to appraise before paying the full amount, since I did not agree on the price. The salesman named XXXX told me to appraise and if I find the appraised price lower than the price charged, I can return it. Upon appraisal by a certified GIA appraiser I found that the actual value was {$4400.00} and not {$9500.00} that they had charged. Also a small diamond piece fell off the ring. At the time of purchase I had paid {$5000.00} and the rest was to be settled or returned upon appraisal. I had called them and told them that the actual value was {$4400.00} and that they had charged more than double. I called the American Express and informed them on XX/XX/XXXX that they should place a block on XXXX XXXX and that any charges over {$500.00} they should get our permission before allowing the charges. I called again on XX/XX/XXXX and confirmed about the block. American Express informed me that they will not pay out any amount to XXXX XXXX. On XX/XX/XXXX XXXX tried to put through the charges {$4500.00}, it was denied by American Express. On XX/XX/XXXX they forced charged it using another ID and it was paid out by American Express in error. American Express did not keep up with their word. I called and wrote to American Express numerous times but they did not accept their mistake. XXXX jewelers told me that they will not accept the jewelry back and if at all I ship it back to them they will not accept the jewelry and we will not get the refund. Both parties did not do what they were supposed to and cheated me. Now American Express is trying to bring down our credit rating although it is their fault. I am a member of American Express since XX/XX/XXXX and paid my bills on time. I would like you to look into this matter and investigate.
I was working for an XXXX owned authorized XXXX service provider in XX/XX/XXXX called XXXX XXXX, As a XXXX XXXX. With commission. XXXX closed our store and gave us a week notice. At the time I was living by myself and going to school part-time. It took so long to get my severance pay that I had to get a part-time job planet fitness making half the amount I was making. I got a job with XXXX cooperate that required me to travel. But then and transfered to retail. But during that transition my last 2 checks had to be expedited due to an error in transitioning from one department to another. I contacted Santander about the issue and was advised I could make half payments until I got caught up. But due to all the issues listed above out of my control the car was still repossessed. Id like to have the vehicle back. But was required to pay over {$2000.00} to get caught up With no option of making half that payment or anything else. Santander told me the vehicle will be auctioned off on XX/XX/XXXX. The best resolution for me would be to get the vehicle back or have more time to do come up with solution before the vehicle gets auctioned off. I also looked at the history of my payments and saw interest added on to full payments I made back in XX/XX/XXXX and so on. My payment history shows payments that Word made in full are showing half the payment being made and the other half going to interest
In 2010 I had a bank account that was closed out due to INSF funds, under the amount of {$500.00}. This account was charged off and sold to a collections company called XXXX XXXX XXXX. A woman by the name of XXXX XXXX using the phone number XXXX XXXX XXXX when she contact my workplace multiple times as well as a relative who she told several details of the account to. She told me that I have less than a week to come up with a balance higher than the money owed to the bank, or I would be served and prosecuted for felony bank fraud and have my workplace contacted and my wages garnished. She stated that she represented US Bank as the client who was suing me, but failed on multiple requests to provide me with proof of debt or her own identity.
I fell behind in my payment and currently owe 2 months of payments and late fees, but the mortgage company has made it impossible to make my payment either online or by phone unless I pay the total amount I am behind. This is making it difficult to keep from falling further behind as I must now mail a check for one month 's payment. They also will not record the amount of the payment I am sending in unless it is the full amount which is causing me to incur further late fees.
XXXX, XXXX, and equifax are reporting an unverifiable bankruptcy on my credit report in the amount of {$0.00}. Every time I call XXXX, XXXX, and equifax to dispute the bankruptcy they always tell me that they verified it through the courts. I went to the louisiana bankruptcy courts to see if that was true and they insured me that it was not true. The louisiana bankruptcy clerk informed me that the courts do not verify nor validate any information to the credit bureaus. She also prepared a letter to send out to me so I could have it in writing. When I called equifax and XXXX to inform them about the incorrect information they told me. They said they verified it through pacer so I emailed pacer to see if they verified anything and pacer also respond to my email stating that they do not verify anything, I will attach the email to this complaint. After getting the email and calling the XXXX to follow up with the bankruptcy dispute the guy who answered my phone call was foreign so I couldnt understand him so I asked for the u.s special handling department. A supervisor in the u.s department took my call and told me she couldnt tell me exactly how it was verified. I informed her that she was violating the FCRA laws by keeping that information from me. She then told me they may have verified it through XXXX so after talking to her I emailed XXXX to ask them how do they verify bankruptcies. They said they verified them through the courts, i then emailed XXXX back and informed them that I had spoken to the courts and they do not verify bankruptcies. When XXXX emailed me back they did not respond directly to the message they had me to call them. Upon calling XXXX and explaining why I got in touch with them they told me that was incorrect information and that they do not have the right to verify bankruptcies. XXXX, Equifax, and XXXX have constantly lied to me about the bankruptcies and gave me false information about verifying the unverifiable bankruptcy. XXXX, equifax, and XXXX are in direct violations of the fcra. Equifax, XXXX, and XXXX is reporting the unverifiable bankruptcy through hearsay of some sort and that is also a violation. XXXX, equifax and XXXX can not continue to violate my rights.
I purchased a dog for {$2500.00} from XXXX XXXX XXXX in XXXX XXXX. I applied for financing through EasyPay Finance, which was approved. However, they charged me an annual interest rate of 130 %. I recently paid off the loan, because of the egregious interest rate. I ultimately paid {$4000.00} total, {$2500.00} for the original purchase amount and {$1500.00} in interest.
My mortgage company offered me an in-house modification when my house payments continued to rise. Their offer would raise my mortgage balance from {$140000.00} to {$220000.00}. I believed I was at the end of my options and this appeared to be the only way to save my home. The mortgage company was vague about what exactly the charges of doing my in-house modification were going to pay for. The amount they were adding to my mortgage, {$74000.00}, was written down on a document they sent me, but they were leaving out what {$40000.00} was specifically being charged for. After numerous failed attempts to get them to explain what that amount was for, one day I received a letter from them ( by accident I believe ) showing that {$40000.00} was to pay legal fees. To me this is an incredible and unconscionable amount to charge someone for a boiler-plate modification, and to be charged with interest over the life of the mortgage. I reached out to them many times and was basically told it was my job to pay my bills, their numbers add up, and they don't see anywhere in their records that this amount was for legal fees. I scanned and emailed their own document to them showing this to them several times, but they never responded to me about this. I am attaching these documents to my complaint for you to review. Thank you
I entered into a contract to purchase the property located at XXXX, CA on XXXX XXXX, XXXX. I provided a good faith check in the amount of {$3000.00}. The agreed price of the home was {$230000.00}. The sellers bank requested a price increase to {$230000.00}. I agreed to the increase. I requested and paid for a termite inspection, a property inspection, and an appraisal. Because the property is a short-sale there were some repairs required by my lender prior to close of escrow. I request assistance in the repairs from the seller, who declined stating lack of funds. I requested an extension of escrow to allow enough time for the repairs to be completed. Once everything was signed off on by the city building inspector my lender informed me that because it is a short sale that they required a letter from Select Portfolio Servicing , Inc. ( SPS XXXX approving the sale because the previous on had expired on XXXX XXXX, XXXX. We had requested an extension of escrow, but we were not able to get a letter with a new closing date from XXXX. We have been requesting it since XXXX XXXX, XXXX. XXXX requested to increase /amend the price again and I have agreed but they still have not provided me with a letter approving the sale with a revised closing date. I am buy the house to have a place to live because me and my husband have recently divorced. I do not feel like XXXX is following good business practices, and is not treating me or the seller fair. This should fall under some type of contracts, and fair business practices, or something. This company should not be allowed to treat people like this. I do n't know what law they have broken, but there has to be some way to stop these banks from making people foreclose on their home even when they have someone willing to purchase it. And they should be reasonable because the house could not even pass the inspection by the city building inspector, and no one else was willing to make the repairs. Now they are stalling trying to make me pull out. Both myself and the seller will lose money on this, and I will not be able to recover the money I spent on the repairs. There should be some laws, or rules that should be followed for short sales. The local real estate market is not doing very well, and this type of thing only makes things worst for people trying to purchase a home. There are still additional repairs that will need to be made before I can even live in the house. I have attached the inspection report for review. 
I have contacted the company to file a complaint, but they told me that I could not do anything without the approval of the seller. They would not provide me with any information about where and how I could file a complaint.
There was a simple mail issue with XXXX in 2011. Whether they never sent the statement or the neighbor with the identical address as mine on the other side of the circle ( XXXX XXXX XXXX ) got my mail and did n't return it, I never received it. Once I was aware of the debt, I paid it in full. 

I assume somewhere around the same time period, XXXX XXXX XXXX who is now under the name of Revenue Assurance Professionals, bought the debt. Well when they contacted me, the debt was paid to XXXX so I would n't deal with or speak with them. XXXX  2011, they hit my credit for the debt. I disputed it and although they removed the amount, they have continued to report it and still reports it today. I never did business with them and they have no right. I paid my creditor and remain in good standing with them. My credit is great and I am a responsible adult as noted with my payment history. This is wrong and they are bullies. I have made numerous attempts to contact them and dispute it ( they were beyond rude ), I have disputed it with credit agencies and they still leave the debt, and I have written the FTC to no avail. I even tried to BBB and that did no good. If you look up their original name, you will see all the bad reviews and complaints all over the internet. This company should be ashamed of themselves. Go after someone trying to get over, not innocent people like me!!
Statefarm Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I have already payed all my debt to the debt collection agency that I had owed back in XXXX because after I paid that amount I did not hear from the agency again. 
Now in XXXX, I get a letter from a different collection agency that I owe some other amount to the same creditor I had dealt with back then. 
I called the creditor and they had no information of mine besides what was noted from the previous debt collection agency. The previous debt collection agency did not document the full transaction. The creditor said that they changed debt collectors and the new one has gone far back as XXXX to collect debt. 
Unfortunately, I trashed all my documents that were dated back XXXX years ago and I 've also contacted my bank asking for statements from back then but they do not go as far back as XXXX years. 
I had high hopes in getting my bank statements because that would give me evidence that I paid more than what the creditor is asking. 
But I have no evidence of paying besides my memory and my letter to the debt collection agency I had saved in my email. 
What do I do? 
I have until this Friday for the debt collector to do something against me. I really do n't want to pay for something I already paid and am very upset about this whole mess. 
I do n't want to pay the creditor for something I already paid XXXX years ago and am just really upset this is happening. I 'm sure this is another way of scamming people of their hard earned money ... this is just unfair! 
Please help!! 

Thank you,
I started this process in XX/XX/XXXXwhen I pulled my credit report and seen all of the student loans listed. Some to XXXX and some to Department of Ed with incorrect balances and incorrect late payments. I started on my journey of trying to get those corrected and disputed with the credit bureau and has been unable to get any assistance the accounts just come back as verified. I contacted both the department of ed and XXXX and I have yet to hear back. All of my loans were closed and refinanced in XX/XX/XXXX into one loan. I was in school off and on through the years getting my degrees and never was our of deferment due to being in school. I have been unable to get any feedback on those late payments for XXXX when I was in school before my loan was sold. The Department of ED shows I have 7 accounts with the same account number of XXXX and 3 with account number XXXX. Some of which show a balance which they should not because all of my loans were consolidated. They all show different open dates even though they were transferred from XXXX at the same time. All of the accounts listed under XXXX show a balance of XXXX and the account numbers with XXXX show a balance of XXXX. I reviewed all accounts with XXXX and I have only ever had one account with an amount of {$5200.00} and only one with {$3100.00}. I am not sure what is going on. they still show balances. Show charged off with balances even though I looked on the XXXX and all of my loans are through fed servicing now. Even though they show charge off they also reported a 120 day late for XX/XX/XXXX even though they were sold at that time. This is all confusing and I have gotten no where with getting any of this fixed. No help from the credit bureaus or the company or the ombudsman from the company. I have yet to hear back on any of my disputes on these issues.