WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making all payments on time but for the last 2 months I have been unable to log in to pay my bill. Website says service unavailable. I'm pretty much at the end of my loan & I can't even log in to see my balance or if I'm getting charged late fees & extra interest all this time. It's very frustrating because I just need to be done with this loan.
Citizens One bank received a final payoff amount on our car loan on a new 2015 XXXX XXXX. Payoff paid- {$13000.00}! 
The amount cleared my bank on XXXX. Have all proof from my bank. Due to error on Citizens part, the amount still has not posted, no title issued, and after almost a month of calling, being told " They 're working on it ''. Totally incompetent customer service.
Diversified received a letter from me on XXXX-XXXX-2017. I asked for validation, bearing my signature, that I had contractual obligation to pay them. All I have received is a bunch of papers from an old XXXX account. I have never entered into a contract with Diversified. They have failed to supply me with sufficient evidence and they failed to place a dispute comment on my credit report.
I paid {$2000.00} on a balance of {$2200.00} on my AE Synchrony Bank credit card on XXXX XXXX, 2016. It has been 8 days, and my available to spend is still {$0.00} dollars. 
I am being punished for paying my card balance off each month. 
I have been making large electronic payments twice a month, every month. They have always posted the payments the very next day, and cleared my Checking account the next day. This time, however, they are holding the payment for no apparent reason - even thought it shows they received it on XXXX/XXXX/16, and also cleared my checking account on XXXX/XXXX/16. When I spoke to them on XXXX/XXXX/16, they had no explanation as to why, and they refused to help me. As of today, XXXX/XXXX/16, I still do not have this available credit.
This debt is not mine. 

XXXX XXXX XXXX Acct. XXXX XXXX XXXX, 2016 {$410.00}
I have disputed an item with Experian many times. The company, XXXX has never sent or verified accuracy of service, proof of service, what services performed, etc., but Experian will not delete charge. All other cr edit agency es have disputed charge. I call to get a message put on credit report stating this is a pyrchased debt with no proof of service, but instead, Experian wrote some XXXX message that does not alert other companies to the real problem.
I bought a mattress from a local company. The mattress was {$600.00} and i put down {$200.00} and auto with draw for the remaining {$400.00} broken up into payments of {$100.00}. i paid the remaining {$400.00} in payments and the company stop auto debiting my account. Eight months later a company called Security Credit Services. I reached the company with a debt Validation letter and still no response. The letter was sent certified mail with proof. They are currently ruining my credit and not trying to work things out. I do not own anyone nothing because i paid my debts with the original creditor and tried to work things out with the collection company instead they rather report inaccurate information.
I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are Ally Financial XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
This company is trying to collect a erroneous debt that we do not owe. They continue to call me and email me after I have told them more than once that I disputed the debt and to stop calling me.
I received a notice through my credit monitoring service that a change to my credit information had occurred. Upon investigating, two debt collection activities were identified against my credit by XXXX   from Transworld Systems , Inc. ( TSI ) on XX/XX/2018, one in the amount of {$2000.00} and the other in the amount of {$71.00} with the accounts listed as " N/A. '' I have not received any other notification about this debt, and my credit history has been outstanding, with nothing to which I can attribute this debt collection action. I believe this to be a fraudulent act.
FedLoanServicing emailed me on XX/XX/XXXX that they were processing my application. On XX/XX/XXXX they left me an electronic message on their website that I was not eligible and to furnish requested information to reapply. I uploaded the requested information to their file via PDF format 2 business days ago and have not received any email at all confirming that they are processing the PDF file. So in other words, information requested was uploaded onto my account electronically and no message whatsoever that it was being looked at or responded to. I mailed a completed application today just to cover all bases but I am very concerned that FedLoanServicing is becoming grossly incompetent without any way to contact for any sort of a timely response. I have been with FedLoanServicing since XX/XX/XXXX, and they have never been so late with response. Prior to XX/XX/XXXX, FedLoanServicing service was fast, competent and complete. I am very concerned, and I have no way of knowing if or when my application or my information is being read or considered. There is no accountability, and the turn around response rate was never close to being this late. There is no one to call and ask, just random service reps who politely answer calls, assist as they can and patiently explain details. The customer service reps are the only line of communication until a written electronic response is finally made. It never took so long to receive a response to application from the processing dept. as it does now.
I have spoken with this debt collector multiple times via phone conversations and explained to them that this is not my account. The only account I have had with XXXX is for XXXX ... The account I had with XXXX was paid in full around the same time this collector began calling me about the account in question. This is basically fraud as it appears that someone has added my name to this account without my knowledge or consent, because based on the dates this appears to be a bill from the previous owners of this home, so it just leads me to inquire and ask how you would have associated my name with this account. I did not have any interest ( owner nor tenant ) in the property at any time prior to the XXXX of 2017. Per the bill that was sent, there was a carryover balance from XXXX of 2017, which is impossible as I did not own that property nor did I live at that address until XXXX of 2017. I have informed them repeatedly that this is not my account and I received a call stating that it was my final attempt to pay or this information will be added as a derogatory entry to my credit file. This is not my account!
My husband was a  XXXX  vet and we have been married 20 years. He refinanced the home and assured me that if he died I 'd have no problems with it because my name is on the deed. When I sent  Ocwen loa n servicing the death certificate and a legal inheradence paper they still would not put my name on the title. I have never been late and my name is on the taxes for the home but they send the bill reading the estate of  XXXX   XXXX . I told them to put my name on it now. I have a paper with a notary signature of inheradence. That they asked for and I sent it to them. What should I do. I 'm a widow and I ca n't afford lawyers to help me. I just want to make sure the home is done right so I can make out my will. I am currently on payments and lived here for 20 years
I began corresponding with Charles Schwab two weeks ago about accessing a little over {$4400.00} that has long been sitting dormant in a Charles Schwab account my grandmother opened for me several years ago. I was told I needed to fax XXXX signed documents to Charles Schwab in order to lift the restrictions on the account. I sent the forms, but Charles Schwab could not locate them when I later called. At some point after our first few days of correspondence, however, I was able to access the online account, but my assets were frozen and I could not transfer them. I called back and was told that one of the forms ( the XXXX XXXX had been located, but could not be processed until the other form ( Schwab Custodial Beneficiary Conversion Application ) came through. I was also told I could submit that form through the message center. After submitting that form, I was told I also needed to submit another XXXX because the original XXXX was not dated. After submitting both a revised and dated XXXX and another Custodial Beneficiary Conversion Application, I was told I needed to resubmit the forms because they were signed using an electronic signature, which is apparently insufficient for Schwab. I was not told this until after I had submitted the form. I am leaving out several details I do not remember - this process has gone on for two weeks and taken a considerable amount of my spare time. I have not documented my phone calls because, with each call, I have hoped that this situation would be resolved only to be later disappointed. Each delay has represented at least an additional day of waiting to see if my situation could be resolved. At one point, XXXX representatives were telling me it took 24-hours for them to see if the forms had come through, at another point, they gave me contact information for the XXXX operations center which apparently knows immediately whether or not forms have come through. This whole process has been very frustrating and taken up a considerable amount of my time.
On Monday XXXX XXXX I checked my credit reports and saw a new collections account was placed on my reports. XXXX XXXX fraudulently placed this account on my reports and they admitted they did when I called them on this same day at XXXX XXXX XXXX XXXX. 

I first talked to a customer service rep about the issue and asked him why they never sent me a bill/notice to give me a 30 day chance to either pay or dispute the bill. He said he did n't know and that they just barely got the account and that it takes them 30 days to reach out to the customer. I went on to ask him what address they had on file for me and he gave me the right address so I told him there would have been no problem with me receiving such notice. He went on to tell me that sometimes there are rare glitches and they put accounts on the customers credit reports before telling them that they owe a debt. He also went on to be a smart XXXX and say that I could n't prove that they never sent me a notice. Which tells you they are guilty! UNACCEPTABLE! 

I asked the guy to get me a XXXX and thats when a XXXX got on the phone with me. I again went over the issue with XXXX and asked him why they never sent me a bill/notice about this account so that I could take care of it before they put it on my reports. He did not have an answer for me. However he did say that he would remove them off of my reports and then we made an agreement that once it was gone from my reports I would pay this bill off so it would n't be on my reports and affect my credit. 

They are violating the FDCPA and also HIPPA. They never gave me a chance to pay/dispute. I never signed any authorization release forms for my medical information to be shared with a 3rd party. This is a medical bill from 2012 that I do n't recall but I am not trying to dispute it I am more than willing to pay it as I told the Commonwealth employees I have been cleaning my credit and trying to buy a house so I would have definitely taken care of this account before resulting in them reporting to the credit bureaus. 

I am very upset over there actions and I gave them a second call on Thursday XXXX XXXX at XXXX XXXX XXXX XXXX. I again spoke with the XXXX XXXX and he reassured me that he would be removing this account from my credit reports. All of this should be on tapes as they say that all calls are recorded. That would be proof of them being in violation and agreeing to remove the account from my credit reports.
I was declined credit based upon an Equifax credit report. After unsuccessfully attempting to pull the file under FCRA from Equifax 's online portal, my wife contacted Equifax 's Executive Services office to inform them of the issue and was informed that Equifax did not have to provide online access to the file, and that if my file met certain unknown " perimeters '' of Equifax 's security system, I could only get it via USPS. My wife informed Equifax of the security concerns of mailing the report due to poor service in our area with USPS and was told it did not matter, online access was a " courtesy '' not a requirement. I had to go to Equifax 's website and pay {$15.00} for a report and score because Equifax refused to reach out to their security department to address the issue. When my wife called Equifax this morning to request a refund, as I am entitled to a free report under FCRA, she reached an overseas call center that refused to even speak to her about the refund even though the card that paid for the report was hers and she was not asking for them to disclose information on my file. She informed them that we would be contacting CFPB to inform them that Equifax was refusing the refund ( they claimed the charge " does n't qualify for a refund '' ) and XXXX, the supervisor in Personal Solutions for Equifax responded by telling my wife " go ahead, tell them. ''
I have been the victim of identity theft and the following accounts are not mine I will be adding fraud locks to my report to prevent this in the future : 1 ) XXXX  XXXX Acct # XXXX 2 ) XXXX Acct # XXXX 3 ) XXXX XXXX Acct # XXXX
In reference to case # XXXX, Seterus made inaccurate statement when it stated that escrow account was open by XXXX Mortgage. It was never open by XXXX. An escrow account requires payment of principal, interest and taxes. I never paid taxes to XXXX Mortgage. Payment records shows that. In fact, even after it is transferred to Seterus, first few months I paid only the principal and interest. Therefore, there was never an escrow account when XXXX transferred mortgage service to Seterus. 
As per loan modification, all the documents signed are null and void, because loan modification never went into force. 
In any case, the original act by Seterus to set up an escrow account caused financial stress resulting in the damage of credit and unable to take advantage of low interest rates, resulting in serious financial losses.
I submitted previously and made a mistake. The school I meant to make reference to was not XXXX, but XXXX Revised below, and my apologies : I am writing because I was just notified of my award in the class action lawsuit against XXXX and I want to express my sincere thanks to your organization. I also want to engage with you regarding the second and third signature loans through XXXX, they were to Navient and XXXX and I am being charged XXXX % interest at Navient and XXXX % at XXXX, whereas XXXX was at XXXX %. 

XXXX ( XXXX ) did all the, " leg work '' to keep us in classes and they struck terms with outside lenders, providing us with information that led me to participate in the additional student loans outside of the XXXX DL Consolidated - Subsidized and XXXX DL Consolidated - Unsubsidized loan programs ( which are also through Navient ). I have asked for a lower interest rate for years through Navient for the signature loan. In addition to XXXX, I have been drowning in tuition payments while XXXX of my larger loans remain in forbearance -yet accruing interest- so that I can take care of these private loans at XXXX and almost XXXX times the interest rates. I feel that XXXX also deceived its students into taking out loans that cost more than we were led to believe. I know your office states that you will continue to be vigilant in rooting out illegal practices that student borrowers experience in the for-profit space, and so am sure that you would want this information as well. As stated previously, the -XXXX- Navient student loan I have is almost XXXX % interest, this is almost twice what XXXX was charging me, and I am requesting that the loan number below with Navient be reviewed. The original amount of the loan has been repaid in spades. Original loan amount - {$8000.00}, I have repaid almost {$11000.00} on this loan already and still owe over {$17000.00} more..
1 ) Date of service : XX/XX/2018 A XXXX XXXX XXXX XXXX ( XXXX  XXXX ) was done before XXXX XXXX XXXX for my son. Most doctors give a courtesy discount to match the contracted rate with the insurance company if the procedure is not covered by the XXXX  insurance plan. This doctor did not give me a courtesy discount to match the insurance contracted rate and charged me the full amount of {$400.00} instead of the contracted rate of {$220.00}. Was the XXXX XXXX XXXX XXXX ( XXXX   XXXX ) required in the first place prior to the XXXX XXXX XXXX based on the XXXX? 

2 ) Date of service : XX/XX/18. For XXXX XXXX XXXX XXXX, it was billed as XXXX, XXXX XXXX. While the XXXX  was XXXX, I am not sure that this was the actual condition and the higher rate billed was warranted for my son 's condition. This could be a potential overcharging/overbilling that was done to the insurance company/me as it may or may not be what was required to be done. Did the condition warrant this procedure and the rate charged warrant this categorization for higher billing, rather than a regular XXXX at a lower rate? 

3 ) Date of service : XX/XX/18 : The XXXX charge has been overbilled to insurance/me. My son was already XXXX  by the time we went to visit him. This was 35 mins. after the XXXX started. So, at most I should have been billed for 45 mins. ( rounding up 35 mins. in 3 blocks of 15 mins. ), whereas what I was charged for is 60 mins. ( 4 blocks of 15 min. ). The insurance contracted rate for the 15 min. block is {$120.00}. 

4 ) Date of service : XX/XX/XXXX : This visit has been billed as a XXXX XXXX, problem focused. I was not informed that the office visit is extra. To my recollection, I have not signed any document that says that I will have to pay extra for the office visit. This office visit should have been billed as part of the XXXX  XXXX XXXX  since it was not an office visit related to new problem, but was rather a follow-up checkup visit for the doctor to see how he performed the XXXX and how it was XXXX. This visit is generally not charged by most XXXX XXXX. This was just a 3 min. follow-up visit after the XXXX XXXX to ensure everything was fine and that the doctor had performed the XXXX as required. This should not have been charged, and in any case, wasnt communicated to me. The billing comes to $ XXXX/hr., which is atrociously high. The insurance contracted amount is {$60.00}. 

5 ) Date of billing : XX/XX/XXXX. There was a charge of {$5.00} applied to the account as credit card processing fee. This wasn't informed to me before accepting a payment via credit card. The doctor 's office fought this tooth-and-nail and did not remove this charge. After debt collecting agency got involved, this charge was finally removed. 

6 ) Date of billing : XX/XX/XXXX. There was an agreement to not send the account to debt collection/credit reporting agency since a payment was going to be made after I got back from international travel. A payment plan of {$100.00} per month was set up. A charge of {$39.00} was added as collection charges - 35 % of the outstanding balance - which is again atrociously high.
As a a XXXX XXXX working for the XXXX XXXX as a XXXX XXXX, I applied for the student loan forgiveness. Loans were transferred from XXXX XXXX and XXXX to Fed loan servicing, payment decreased from {$420.00} approximately to {$300.00} per month. I was informed I was put in the wrong payment plan and only XXXX payments count towards the XXXX required payments, got an email in XXXX of XXXX that I had to switch payment plans for the payment to count. So used the calculation tool provided, decided standard repayment plan was best option, now payment is only for 27 months and payment will be over triple {$900.00} plus per month. I asked today XXXX, that The request be cancelled as it bust the family budget. I got the response that I was on a grandfathered plan and does n't exist, so stuck with the new payment even though it has not been activated yet. What a complete cluster!
Contacted my place of employment Spoke with my supervisor XXXX who asked them not to call again and called back and spoke with my coworker and discussed by account and how they are pursuing legal action, they have my contact information and still are calling third parties including my job, my grandfather and auntie and discussing my debt with them, When i contacted the company they then told me that he told them i was not paying th edebt when thats not what i said,
I 've been a member of Navy Federal Credit Union since XXXX. I bought a house when I was XXXX in XXXX using NFCU in XXXX just before the housing crisis. In XXXX XXXX, I had to go through a short sale because I was being XXXX to XXXX, I had to leave my family with my friends in XXXX and I was having problems finding tenants for our house in XXXX. I explained to NFCU that I want to pursue short sale and can not pay my monthly mortgage starting in XXXX XXXX. NFCU without my authorization, deducted the mortgage payment from my checking account for 6 months while I was XXXX in XXXX and while I was going through the short sale process. I did not authorize this payment and I did n't arrange for any automatic payment from my checking account to go directly to my mortgage account. NFCU transferred funds from my checking account to pay for my mortgage without my approval. This issue caused additional financial hardship to my family while I was XXXX in XXXX. I also want to check if this issue is covered by the recent judgment on NFCU for their illegal credit collection practices. Appreciate your time and assistance.
I have paid off XXXX derogatory on my report and they are still showing up.I have contacted the issuer of these account 's an they say it is out of there hands since they were sold off to a collection agency
I have been contacting XXXX for weeks now trying to get this one inquiry off my file that I have no knowledge about. I Pulled my XXXX credit report in XX/XX/XXXX. I contacted XXXX  immediately once I seen this unauthorized inquiry. XXXX forward me to the creditor ( Wells Fargo Auto ) but they are not providing me with proof that I made this inquire. Per XXXX they are not able to remove this inquiry. I advised them I never authorized this inquiry. I am asking for proof where I made this inquire. The XXXX rep said it will soon fall off my credit report which I feel as though its wrong to say because I did not make this inquiry. This inquiry is hurting me from acquiring new credit lines. The inquiry is WFB Auto ( XX/XX/XXXX ).
Experian is reporting that I have a bad debt with XXXX  XXXX XXXX XXXX. My mother added me as a co-signer on her checking account. She was elderly and needed help in writing her checks. I even called and spoke with a Supervisor that verified for me that I was not responsible for my mothers debts. 

She passed away in XX/XX/2016. I notified them immediately and they drained her checking account to pay on her credit card with them. I was not on her credit card. They told me I needed to pay her balance. I referred back to the earlier conversation that I had with a Supervisor. They even admitted to notes verifying that is what they told me, however they said someone had to pay. I was not on her credit card. I didn't have access to use that account. They can not hold me responsible for my dead mother 's debts.