WillisBack/dataset-financial-user-claim huggingface dataset:
Re : ASC/ XXXX  Educational fin ance loan Opened on  XXXX   XXXX ,  2010  Talked to the lender many times and have sent a copy of my grandmothers death certificate because the loan is in HER name and still, they have not removed the debt from my report or stopped trying to collect on it.
This debt was from an apartment complex I used to live in. When I moved out they wanted to charge me XXXX dollars for a " smoke cleaning ''. Issue is, I have never, nor did I ever smoke. When they attempted to collect the debt, I asked them to show me the receipts and reports from the machine they had to use and they said they would get back to me. Several weeks later, I never heard anything and I now have a collection report on my credit account. I would like this removed and either be provided proper proof and documentation that they got this machine, or for them to retract the debt. 

Thank you.
I signed up for the PSLF plan 7-8 years ago and have been paying monthly since. The loan has been transferred from Direct Loan to XXXX to FedLoan Servicing and my payments have toward my XXXX have not be recorded. On my current statement, I noticed that I have made 0 payments toward my XXXX, so it looks like they do n't even have me in the program. I called several months ago and was told that this information would be collected and updated. I have not heard back from them. I 've been paying for almost 8 years and my balance has increased due to interest and the payments have not been recorded. Any help would be greatly appreciated.
I am very sad at this times, after several month waiting on the underwriter to let us know if we were approval or not. The underwriter became to a point that she very looking for item to denied our loan. We feel she wasted out time, and money. We supply every piece of documents they ask for. We feel due to our race the underwriter, made a major factor and denied our loan. Also XXXX XXXX started this problem we try first them then, XXXX small thing pop up and they denied her first, for not a good reason.
I do know who this bank is aes/XXXX, I have never received an bill from them, I have never received a call from them, before you start reporting anything negative on one credit report, they must receive a bill and I have never received a bill from these guys. they are reporting me 60 days late on my credit report, who does this? this has caused my credit score to go down -135. also I was enrolled in school 2018 at ohio XXXX school full time and just graduated XX/XX/2018. when you are enrolled in school full time, loans to my understanding goes into some type of deferrement ...
I had 4 hard credit inquires in 4 months for the same refinance Some of these we less than 30 days apart for only 1 refinance XXXX. The company is XXXX XXXX   FOR ONLY 1 REFINANCE!! XXXX XXXX  XXXX, MD XXXX ( XXXX ) XXXX 1 max for 1 loan is OK but I didn't agree to any. I wand these excessive remove from my credit reports..it 's killing my XXXX SCORE!
Took out this loan for school around XX/XX/XXXXI have always paid on time {$240.00} they call me every Thursday when Im at work I have stated to them many time not to call me just to draft money one time they told me I only had to pay XXXX  that if I wanted to save money for the the month so I asked what the catch that I didnt want to pay more or refinance they said nothing that I just had to go in and sign papers and everything world stay the same I asked this question multiple time if anything would change lady lied to me I called today and my payment reset so I have to start all over again I did not receive anything when I refinanced
CIR law offices sued me for a debt incurred by someone who used my credit card. We reached a settlement agreement after I hired an attorney. CIR Law Offices has listed their address as a place where I formerly resided on my credit report. This issue comes up repeatedly and I view it as a form of harassment.
Windham Professionals called my cell phone and presented themselves as a company looking for a reference to hire my ex-wife and asked for her contact information. I have not had contact with her in 6 years and our last names have not been the same for that long. I asked if they were collecting a debt and they answered " yes '' and hung up the phone. I called the number back to see what the company was. This is the second call I have received from them after asking them never to call me again, I have nothing to do with my ex-wife or her debts. The fact that they are misrepresenting themselves, calling a mobile phone they likely should not be calling, proves this company should at least be investigated.
I asked for a credit line increase and is was denied. Best Buy credit card services canceled my credit card ( and that was fine ) and then charged me a annual fee of {$59.00} + intrest {$2.00} after the credit card was canceled.
My name is XXXX, but I am NOT any of the many XXXX a company called Portfolio Recovery keeps calling me about. I have asked them to take me off my list, yet I continue to get calls for XXXX who are not me and not known to me.
I never even agreed to borrow money after my grant was lost, I did n't attend and have never used the money I am being accused of borrowing. I feel like they left enrolled and led me to believe it should n't hurt my credit. I can never get this off my credit record. I defaulted, now I ca n't secure a home as a recently getting divorced, ca n't secure a decent car and over all felt trapped by my credit score and this student loan company who targeted enrollment to the worst mistake of my life, XXXX steering me to them. I did n't even know about the loans or what is expected to pay back. I never consented torture this mess.hopeless new single mom.
ORIGINAL COMPLAINT Via automatic payments I over-paid my credit card so there -was a negative balance on my account.After making several purchases I had a negative balance of {$630.00} so, for some reason, Capital One sent a check to me in that amount. I cashed the check and all was fine. I then noticed that Capital One charged me {$630.00}, and called it a Credit Balance Refund ( XX/XX/2017 ). They basically gave me a check for {$630.00}, but then turned around and charged me {$630.00} for something I never purchased. The people at Capital One are saying it is a wash since I cashed the check, but that {$630.00} they sent to me was based on an over-payment of my balance so why did they charge me the exact same amount in XX/XX/XXXX? The original {$630.00} was supposed to be a refund of money I paid. 
If that was the case then why did they charge me {$630.00} on XX/XX/2017? They are using fuzzy math., and I would like to have my {$630.00} returned to me. I have since cancelled my credit card. 

RESPONSE TO THEIR RIDICULOUS RESPONSE The company did send me the {$630.00}. That is NOT in dispute. The issue is on XX/XX/2017 they charged me {$630.00}, and labeled the charge to me as Credit Balance Refund. I do not understand why CapitalOne CHARGED me {$630.00} after they sent me a check for {$630.00}. Why is that charge there? Why did the balance on my account increase by {$630.00}? Look at my statement from XX/XX/2017, page 3, second column towards the top. Explain to me why you charged me {$630.00}. I am getting the same run-around as I received from every operator I called to try and clear this up.
I have requested that all inquiries be removed during my dispute, as I have not applied for any open lines of credit outside of XXXX XXXX and XXXX XXXX, nor have I tried to get a me car loan
I signed up for an XXXX account and agreed to " free magazines '' for 3 months being told i would be sent a card to cancel if i wished so i would not need to pay after a 3 month trial. I did not receive the card. I paid the dues and ordered XXXX more item then once i paid for my item i realized i was being charged about XXXX-XXXX dollars every month. Since I have n't had to deal with that before i paid until i finally was able to get a friend to explain to me what and why it was happening. So I called and cancelled my XXXX account. Thinking that would take care of it i did not expect another bill the next month from XXXX. So i contacted them again and was told i had to contact the magazine department. I did that and was told I HAD to pay until I demanded to speak to a manager. At that time I was told my subscriptions where canceled and my account was credited and I OWED NOTHING MORE. I received magazines again this last month. This last month I received another bill for about {$50.00}. I just spoke with XXXX and they say it has to be paid because its a late fee. I have been receiving 3-5 calls a day from XXXX Comenity Bank who uses and unavailable number and feel harassed. Canceling all this has been a 5 month process. One company I will NEVER buy from again!
I requested a payoff from my mortgage lender ( Chase ), after XXXX days they provided the payoff but it indicated the per diem interest date of XX/XX/2015. The XX/XX/2015 payment was made on XX/XX/2015. In an attempt to refinance the loan and because of this the new lender requested a payment history because the XX/XX/2015 implies that the XX/XX/2015 payment had not been made. When I contacted chase they affirmed the XX/XX/2015 payment was made but that the XX/XX/2015 date was correct. A search of the internet indicates the industry standard is that the lender uses your requested payoff date to calculate per diem interest you woe in the time period from your latest monthly payment until the payoff date. In addition, I requested a XXXX month history of payments on XX/XX/2015. I was told that I must have not made a full payment because there was a suspense balance that was not a full payment. I disputed this and advised all payments were made and any suspense funds were payments made by the trustee in my XXXX. I was told that if I paid XXXX they would process the payment that day, and the next day move the suspense balance over to a full payment and send me a new payoff statement indicating an interest due date of XX/XX/2015. The following day I was called by CHase and told they are working on it but because of my complaint to CFPB they would not be able to provide a response as previously stated. They advised they would contact me on the XXXX for a status update. On XX/XX/2015, I received a payoff statement with the same XX/XX/2015 date and have not received the XXXX month history as requested. Because of this I am unable to refinance my loan ( VA streamline ) to a lower interest rate and save over XXXX per month.
I have requested removal of this paid-off collection and duplicate reporting to the consumer credit reporting agency. They told me, I need to contact creditor to remove. I have written and called them with my dispute to remove since the debt has be satisfied and paid completely. They have not responded.
I have disputed this closed/ charged off account with XXXX , Transunion , and  XXXX because this account needs to be removed from my credit report. They are fraudulently reporting missed payments of {$350.00} every month on this account ( XXXX ) .There should be no monthly payments on a closed charged off account. The account was closed and charged off in XX/XX/2017.I have asked for proof of verification and received nothing and it's still listed. They are in  violation! 

I was only able to include one document as proof because this document was the only one I have saved
Portfolio Recovery is trying to collect a debt they bought and they are not licensed to operate in my state. I do not owe them.
I requested a credit increase and another card for my husband from XXXX visa/comenity bank. I did n't get a phone call or anything. Just a letter that stated that they could n't reach me therefore they could n't honor my request. I called and I spoke with a supervisor. She said in the notes, it said that they tried to call me but there was no number on the credit bureau report to call me on. So, my question is, how did you call me? My husband needs another card and I would like to have my limit increased. I need someone to call me to get this situated immediately.
XXXX XXXX # XXXXAdvance Financial XXXX XXXX XXXX TN XXXXI have been a customer of Advance Financial XXXX for close to a year. I went into the office on XXXX XXXX 2015 to Pay may pay day advance and to rewrite the pay day advance in the amount of {$550.00}. I was told by the customer service representative that the company no longer does pay day advances and that if I needed the money I would have to take out a Flex Loan Plan. I was told that this would be like any other loan that XXXX % would go to interest on the loan and the remainder of my bi-weekly payment of {$67.00} would got toward the principal of the loan and that if I paid more than the {$67.00} it would go toward the principal as well to pay the loan off sooner. I asked if there were any other fees and I was told no. So I electronically signed the contract. I did n't read the fine print because no matter what I had to take this loan out my rent was due and if I did n't pay I would be evicted. If I did n't take this loan out I would have no money to pay my rent or buy gas to get back and forth to work or buy groceries!!! I feel like I was strong armed into taking out this loan because Advance Financial XXXX are predatory lenders who make their money from poor people in dire situations, the elderly and the uneducated. I received my billing statement for XX/XX/2015 to XX/XX/2015 and after paying over the {$67.00} bi-weekly payment for the past 3 months what started out as a {$550.00} loan now has a balance of {$620.00}. I am being charged a Customary Fee of {$50.00} with .7 % interest that I was n't told about and after calling customer service to find out why I was told that this accrues daily on top of the regular interest rate and the APR of 279.5 %!!! This loan is growing not getting paid off, at this rate I will never get this loan paid off!!! This company is not accredited with the XXXX and has had XXXX complaints over the past 3 years most similar to mine. I feel deceived at the least, these companies have to be stopped. I have no problem paying what I borrowed, and according to this billing statement I have paid YTD {$340.00}, {$310.00} to the customary fee and {$29.00} to the interest and NONE to the principal. I will pay the remaining {$200.00} but I will not continue to pay for the customary fee. I will not pay anything until this matter has been resolved. 

I will be sending a copy of this statement to the XXXX Consumer Financial Protection Bureau, Department of Consumer Affairs, Federal Trade Commission, XXXX XXXX XXXX XXXX, U.S. Department of Justice, FDIC and any and all other organizations or departments I need to, to get this matter resolved. 

Thank You, XXXX XXXX
I have a balance due for credit I supposedly got from some company called- " aargon collection agency , XXXX XXXX XXXX XXXX, XXXX XXXX , nevada , XXXX ''. 

I have NEVER been to a place called XXXX, never gotten an item, loan, anything from this place in my life. This is soooo fake that I am LIVID! I CAN NOT UNDERSTAND HOW THIS IS LEGAL!! 

HOW CAN I SUE THESE PEOPLE?? HOW CAN I PUT A STOP TO THIS?? IF THIS IS POSSIBLE TO REPORT FAKE ACCOUNTS TO REAL CREDIT REPORTING AGENCIES THEN I AM POSITIVE THERE HAS TO BE LOTS OF PEOPLE THAT THIS IS HAPPENING TO! 

I DO NOT KNOW WHAT AN XXXX IS, HAVE NEVER BEEN INSIDE AN XXXX BUSINESS, HAVE NEVER BOUGHT ANYTHING FROM XXXX BUSINESSES, HABE NEVER GOTTEN A LOAN FROM SOMEWHERE LIKE THIS IN MY ENTIRE LIFE!!!!! 

WHAT IS GOING ON THAT THIS IS LEGAL??!!!!!! 
Sincerely, XXXX XXXX XXXX XXXX, XXXX Thank you for ANY help.
When I 'm not able to make a payment on time I get continuous phone call starting at XXXX XXXX at night if that 's not happening I get letters put in my door I have a stack of letters also I can make an arrangement with them and they will still call or come and put letters in my door it went as far as them calling my daughter and I did n't have her down as a contact she tried to apply for a loan I have been threatened by the workers I work a XXXX shift and they are closed when I get off I 'll try to get money orders and pay I 'm a single parent I surely do n't need XXXX stress on me I 'm tired of it please help I 'm doing my best
I have a Chase Sapphire Preferred Credit Card. This month of XX/XX/XXXX, I was charged {$100.00} for interest and on the XX/XX/XXXX I owe {$150.00} for my minimun payment. This is unreasonable. These charges are too high and they keep increasing every month with no notice.
Per the recent Equifax leak, my credit information may have been shared. Requesting a credit report and fraud alert through Equifax has proven to be unsuccessful at this moment.
I have had constant problems with Ditech Mortgage not posting my payments promptly. I pay 2 months ahead on my mortgage and it is a good thing because they take forever to post payments. According to my bank, Ditech received my last payment on XXXX XXXX, 2016 and as of today, XXXX XXXX, 2016, the payment has not been posted. 
Ditech is the WORST mortgage servicing company that I have ever dealt with. 
When you contact them, all you get is a canned response and never get a resolution to the problem.
I have written to Navient requesting a single contact in which to send payments for Unpaid interest of {$4400.00} only. I do not want these payments to be considered as " overpayments '' because my debt will not be cleared as timely as I would like. This account has existed since 2005, over 15 years. Navient wants the debt to continue for another 17 years with monthly interest exceeding {$250.00} monthly. 

According to their instructions " you can instruct us to allocate payments differently. Clearly write your instructions on a separate piece of paper included with your check. We can not process instructions written on the check or remittance slip. '' Navient has chosen to not respond directly to me ; therefore, I must ask for the CFPB 's assistance. This account is paid without a remittance slip or paper check. It is paid via electronic transfer. I am acting in good faith with this request for a single point of contact to work with.
Harris & Harris calls both our home numbers at least twice a day by robot-calls. They do NOT say what company or debt or amount or anything that would help us identify if they have a legitimate claim or purpose. Their phone number zooms past at the front of the call before one can pick up a pencil AND they do not repeat it at the end of the call. Their " caller ID '' number, when one tries to call it back, goes to some sort of electric buzz tone ( fax or hearing-impaired device? ) On the one occasion I managed to get a number down -- I called back to have an automated system place me on HOLD. After XXXX frustrating minutes ... I hung up. 

These have got to be the WORST debt collectors on record! They make it nearly impossible to discern their legitimacy or the debt or the number to call back. When you do call back -- they are not available. And yet ... 

Their robots keep CALLING AND CALLING AND CALLING AND CALLING. Day after day, week after week. It all seems to be done by automated systems that have no judgment, ability to interact or to update or question. 

HOW do we STOP them from filling up our answering machine with their automaton snippet-messages and from tying up our phone lines? When will a human contact us or answer their own lines?
All DEBTS PRIOR TO XXXX/XXXX/XXXX HAS BEEN DISCHARGED THRU MY CHAPTER XXXX BANKRUPCTY A CREDITOR NAMED ( XXXX XXXX XXXX XXXX ) IS REPORTING A COLLECTION WITH TOTAL OF XXXX WHICH SHOULD NOT HAVE BEEN ALLOWED TO APPEAR. THIS HAS BEEN PLACED ON CREDIT REPORT ILLEGALLY AS OF XXXX/XXXX/XXXX
I checked my credit file and I saw account XXXX XXXX on my credit file. This collection agency is not licensed to collect a debt in the State of Texas and I would like for this account to be removed off my credit report. Account number XXXX and XXXX
Methods of collection calls are in violation of Fair Debt Collection Act. Making numerous calls to non listed references and leaving contact information.
Tried to resolve this in  2015 .   XXXX   company charged amounts that were not allowed by my insurance. Sent them to collections, when collections called I sent them   XXXX   XXXX   and wrote a letter explaining that the amount charged was not what I owed.  Made  payments for what I owed. Mailed them a letter, mailed radiology company a letter with copies of    XXXX  .  They made an adjustment but the wrong amount, called back and spoke to   XXXX   company told they would handle. Told collection agency. Had insurance company call   XXXX   company and had them call the collection agency. Collection agency still refuses to do anything until   XXXX   company says so but still reports incorrect information on my credit. Has been for 2 years.
On XX/XX/2018 I was alerted to fraud in connection to what turned out to be an authorized clone of my American Express Serve Card, resulting in two unauthorized and fraudulent charges in the amounts of {$100.00} at XXXX XXXX  Store XXXX on XXXX XXXX XXXX, XXXX XXXX and the other, {$90.00} at XXXX XXXX # XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX and yet another in XXXX for a parking meter, in the amount of XXXX. 
I immediately contacted Amex Serve who told me they could only complete the dispute after the charges were out of pending. They also cancelled my subject card upon my request. 

On XX/XX/2018, the dispute department processed the fraudulent charges upon those charges released from pending status. 

On or about XX/XX/2018 I received, completed and submitted a Declaration of Fraud via email. 

Since then I have spent several hours calling and getting nothing but a run around from the dispute department located in some 3rd world country who only repeats keep an eye out for an email, the investigation is ongoing and we can not issue a credit. 'We have 45 days. 
They also have told me they do not have my money, that XXXX XXXX and XXXX XXXX do, get it from them. 

They have lied that they are actively investigating, evidenced by my conversation today from both XXXX XXXX and XXXX XXXX, that the Amex Serve dispute department has NOT submitted any dispute documents at all since the dispute was noted as received.

It is obvious that I am now being defrauded yet again, by American Express Serve Service as issued and run by American Express Travel Related Services Company , Inc . 

Today, XX/XX/18, I faxed letters to XXXX XXXX VP at American ExpressServe serviced and issued by American Express Travel Co Inc. and to the General  Counsel and CEO of Rite Aid, and faxed letter to XXXX XXXX Corporate. 

I contacted the XXXX precinct for direction on filing a report, and was advised to do this in NJ, where I reside. I will be filing that report in the township where it is believed the fraudulent clone took place. 

it appears that American Express SErve has no intention of doing anything to facilitate the return of my approximately {$200.00}. 

Also, the transaction dates showing on Amex Serve are false, all three fraudulent transactions occurred on XX/XX/2018. 



XXXX XXXX XXXX XXXX XXXX
Navient failed to provide alternative methods to paying student loan especially based on earned income. I asked for forbearance and was told I had to pay {$150.00} to keep my payment options current. I also informed Navient that I had recently graduated in XXXX 2016 and if they offered a grace period or any alternative payment options. Navient denied having any other payment options other than paying the amount owed.
I Received a Letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Stating that they are collection a debt The accounts XXXX XXXX XXXX for the Original Creditor First USA Bank. Index Number XXXX. I advised the company that i do n't know anything about this Debt. This is a fraudulent account, I never opened this account or made any charges with this card or company. I do not know anything about this debt.