WillisBack/dataset-financial-user-claim huggingface dataset:
I tried contacting XXXX on XX/XX/XXXX via correspondence USPS tracking number XXXX. The late payment dates for XX/XX/XXXX to XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.
I have been a victim of identity theft so I reached out to the 3 main credit bureaus XXXX, Experian, and XXXX to have them to delete the fraudulent accounts and they have refused to due so. I have even provided them with a identity theft report in support. The account is listed below : XXXX XXXX XXXX in the amount of {$5800.00} on the date of XX/XX/2018 it was opened. 

I ask that you remove this account from my credit report. Thank you!
This is a different account that this collection agency tries to continue to collect on but they have yet to produce a promise to pay with my signature or a HIPPA release giving this 3rd party permission to have my medical information. I never received anything on this account giving me 30 days to dispute the validity of the debt as well as when requesting information about the accounts they continue to report on my credit report, they included someone elses medical information and someone elses bill in with my information. Besides not having the promise to pay or the HIPPA release as well as never notifiying me they had purchased the debt giving me 30 days to dispute the validity of the debt, they are extremely irresponsible with people 's personal medical records obviously.
My credit card was used fraudulently twice within the past XXXX months. And my debit card was used fraudulently just the other day.
I briefly logged into my XXXX email after not being able to login for some time. <P/>I was given notice that my student loans were due before proceeding on to the income based repayment site to setup a new arrangement. <P/>I already had an arrangement in place, yet the following information showed up in my XXXX email, which I did not have access to, this University is presently under investigation regarding its environment and allowing it to be hostile to students and new information was sent to the Attorney Generals Office regarding their collection practices, before and after they were attempting to force collection efforts for an amount that was not factored correctly : CURRENT INFORMATION AS OF XX/XX/2017 Total Amount Due {$1400.00} Total Due By XX/XX/2017 Past Due Icon Your account is past due. Please see your billing statement for more information. This bill has 2 accounts : Stafford Loan Account with U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX Stafford Loan Account with U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX This payment, along with a {$5000.00} payment is set by the school for repayment. <P/>I recently just filed for unemployment benefits and may be working soon, as well as returning to school, however MANY efforts to force repayment have been occurring, along with efforts to force homelessness, impoverishment and inability to return to school have been gathered. <P/>I recently attempted to work with the school, and advised them, I could not speak to them regarding the debt owed while the investigation was going on as it would be a conflict of interest. They had called on a Monday and again on Friday ( Friday is when I shared this information with them ) after the two calls, I finally was able to login to my account and noticed extra charges on top of the ones that were not supposed to be added, as I never attended the Summer Session, also when I did attend the school I did not receive the services I was paying for. The reason that the services were not provided were some of the matters being brought up in the OCR and Missouri Commission on Human Rights investigation. <P/>These issues have been made aware to the Attorney General during the times when the school reached out for payment. An update to the Attorney General website is pending, as we acquired a confirmation number upon the most recent visit and will provide more updates, if no other case number has been assigned.
I was behind on my payments. I called them to make a payment to get caught up on XXXXXX2017. After I made the payment with a Wells Fargo representative I was told that the vehicle would n't be repossessed. The weekend following the conversation ; the truck was repossessed on Saturday morning around XXXX. I had to get a rental and missed a few days of work due to a processing error on their part. After contacting Wells Fargo, they returned the vehicle a few days later without any cost to me ; however at that time I was told that they would compensate me for their mistake, which was the cost of a car rental. After several conversations with no resolve, I decided not to make any payment until the unlawful repossession was taken care of, by means of Well 's covering the cost of the rental, which was promised to me. Which on my part was n't the correct way to handle the situation. After several weeks of attempts to have the costs covered ; I attempted to bring the loan current, since withholding payments were not getting the result I had hoped for. When attempting to make a {$4000.00} payment I was informed the loan was going to be charged off for being 120 days past due this was on XXXXXX2017 and I was also informed they no longer would accept any payment to bring the loan balance current. At that time ; with the last payment made with my calculation I was only behind 67 days not 120. Wells Fargo during the call forwarded me to thier national recovery center to discuss my options. I opted to open a case with presidents office of wells fargo which in return should have stop the repossesion as well as the calls from the national recovery center until the case was reviewed ; it did not. I also have been trying to make payments and have been informed " no payments '' to the loan would be accepted. On XXXXX.2017 I once again contacted Wells Fargo to make a payment ; at this time I was informed only a payment of $ 19,000+ would be accepted with a new agreement to then make four subsiquent monthly payments of {$4700.00} to make a total of {$38000.00} in less in 5 months.
I sold my vehicle in XX/XX/XXXX and received a release of interest and confirmation from GM Financial stating that my account was paid in full. As of XX/XX/XXXX I checked my credit report and GM Financial is still reported that I had a balance on my loan two months after my loan was paid in full and GM Financial sent a release of interest letter. I then submitted a dispute with the 3 credit bureau 's stating that the loan was paid in full. At the end of the investigation the 3 credit bureau 's updated my GM Financial loan that the balance was still owing but that I was now 60 days late for bothXX/XX/XXXX. and XX/XX/XXXX. I no longer had the loan inXX/XX/XXXX andXX/XX/XXXX. These reports are incorrect but GM Financial refuses to update their records and the 3 credit bureau 's are not updating their records either.
In XXXX 2015 we obtained a mortgage with ATHAS Capital Group, Loan No. XXXX 
The loan documents XXXX attached XXXX states that payments should be made to XXXX XXXX XXXX XXXX located in XXXX, CA. 
We have sent payments to this address successfully using the loan number above, until XXXX, 2015. 
After sending check XXXX. XXXX on XXXX XXXX, 2015, we were informed on or about XXXX XXXX, 2015 that payment was not received. 
In following up on this notification with XXXX Customer Service on XXXX XXXX, 2015, we found that the Loan NoXXXX did not exist in XXXX XXXX system - we used the property address to look up the account. We were told that ; 1 XXXX the account number was not XXXX but XXXX ; 2 XXXX that the XXXX 2015 and XXXX 2015 payments had not been received and ; 3 XXXX our statements were being sent to an unfamiliar XXXX XXXX XXXX XXXX Washington XXXX The XXXX 2015 check has not been returned and the amount was not withdrawn from the account, also at that time the XXXX 2015 check had not posted either. 
Further we found that no action had been taken on an XXXX 2015 request XXXX email record attached XXXX to shift the payment date from the XXXX to the XXXX of each month. And that the entire mortgage would need to be rewritten if the lender, ATHAS Capital Group agreed to the payment due date each month. In addition, XXXX XXXX XXXX had been in direct contact with ATHAS by phone and received no resolution or decision regarding this matter. 
On XXXX XXXX, 2015, after talking with XXXX Customer Service, the following actions were taken ; 1. stop payment on check numbers XXXX for XXXX 2015 and XXXX for XXXX 2015, at {$35.00} for each stop payment, totaling {$70.00}. 
2. requested billing statements and communication be sent to an address that belongs to us so that payment coupons can be available for mortgage payment on the XXXX of each month. 
3. authorized correction of the erroneous billing address and that all related correspondence or issues regarding the mortgage be directed to the proper person for payment and resolution of issues. 
4. XXXX emailed a statement for past due mortgage payments for XXXX and XXXX 2015 showing non-receipt of both payments and late fees/penalties ( attached ) On XXXX XXXX, 2015 we received a default letter from a company called XXXX, we were told by XXXX that this company XXXX is a sister company with ATHASOn XXXX XXXX, 2015 - added a second signature and sent the authorization to XXXX then resent the correspondence a second time to verify his signature. 
On XXXX XXXX, 2015 we informed XXXX that ; 1 XXXX XXXX checks had stop payment on them ; 2 XXXX the payments would be mailed again with the new account number ; 3 ) we expected any fees to be reversed and default collections to be stopped and ; 4 ) that a complaint would be issued to the Consumer Financial Protection Bureau so that all parties will be on the same page regarding the account.
My home loan has been sold to this company. Since then it had been a complete nightmare and is starting to ruin my life. As soon as their system was set up to make automatic paynents, I signed up. Regardless of this I have gotten collection call. I have NEVER paid even a day late. Today I got a notice from them in the mail staying my XXXX payment has not been paid. I have also gotten call after call for as they put it " welcoming me to the company ''. I want to be left alone!
My student loans are on duplicated on my credit report. They appear twice on all my credit reports. This effects my credit because I have several loans and the are entered twice. can we fix this problem.
Seretus a loan servicing agency does not have sufficient internal systems to deal with non-standard situations. I am appointed XXXX in a family case. The agency has not been able to understand my position. I want them to send a matter to their Legal department. After time was spent sending them information, they acknowledged they could speak with me, I had the social, and the loan number from their documents, but then insisted I state the original names -apparently the full middle name- of the mortgagor. I had not been informed of what information I would need in my earlier conversations with them. I contacted the parties, so with additional delay I was told they do n't remember what name was used, but I am going to try again with the middle names. I appreciate their need to protect the information they have. This problem with probably arise with executors and other parties, there needs to be a path way for people with legal rights to the information to find it.
Equifax had a major breach of their security ( said 'security ' was wholly inadequate, seeing as a patch was issued three months before the breach ), which has apparently resulted in my personal credit information being stolen. Then, they waited six weeks to notify the public, and have not acted to adequately inform the public whose identities have been compromised. 
While I do n't have any fraudulent activity on my account yet, I have been unable to get through to the major credit agencies to " freeze '' my credit reporting and information from further unauthorized use. 
I 'm amazed that the US Government is continuing to allow these companies to use our Social Security numbers as an ID, and that we are not regulating the release of that information in a tighter fashion through a key controlled by the citizen.
XXXX sold my account to XXXX XXXX in XXXX at that time the balance was {$15000.00}. We were negiotaing a the loan be re written as a home equity loan. Coincidence or not that decided to not return our phone call when the market crashed in XXXX. We short sold our home XXXX XXXX. XXXX HAS BEEN HARASSING US FOR XXXX YEARS NOW. The most recent amount they claim we owe is {$54000.00}!? They continue to report this every year. Is this legal? It will be XXXX years XXXX XXXX. They claim they will keep reporting this until the debt is paid in full. Please assist me on how we can assure this happens. We already lost our home and now have to rent until this gets removed. We are not even being considered due to their reporting.
On XX/XX/XXXX I was notified by a Credit reporting agency that a collection account had been added to my credit report. 
I was not aware of any debt I had as I don't have any past due bills. 
I filed a online dispute through XXXX. 
On XX/XX/XXXX I received a letter from a collection agency Southwest Credit saying that I owe XXXX {$280.00}. I called the number and asked to have the negative credit report removed until there was the 30 day time period to verify the debt. 
The person had no idea how to handle to call and forwarded me to a recording where I had to leave my name and phone number. 
It appears this company has been " collecting '' this account since XX/XX/XXXX and states it is 3 months late. Although I have not had a notice or phone call as to a debt. 
This so called debt was brought up last year around this time by XXXX and when I disputed it XXXX could not verify it and the negative report was removed and that was that. 
Now this collection agency has bought it and trying to collect on a debt that is not valid and has reported contacting me. 
They said they sent a letter to an address lived at over 7 years ago. Yet today I got a letter in the mail at my current address 9 days after they reported late collections on my credit report. XXXX was given current address and phone number last year while verifying that I did not owe the debt.
I have sent this collection agency multiple letters via certified mail and they have never responded or provided any proof of the alleged debt they are reporting on my credit reports. I do not agree with the amount of the debt owed and i have asked them for an itemized bill of particulars so i could determine how they got to the amount they allege owed. They have violated 15 USC 1692 FDCPA and 1681 s-2 FCRA. A data furnisher is required to respond to a dispute with in 30 days of receiving a dispute. I have sent XXXX letters certified mail and they have never responded.
I just received a letter from Wells Fargo Dealer Services regarding my complaint submitted to them about receiving a 30 day late for the XXXX 2016 auto loan payment. First, I have NEVER made a late payment for this car loan. On XXXX XXXX, 2016, I called to make my payment over the phone after normal business hours. On XXXX XXXX, 2016, I noticed the payment was not taken out of my account. I called again to make the payment as I figured something was wrong. In the four years I have had this loan, I have never made a late payment. Wells Fargo had to correct credit reporting two years ago for this loan for the same reason. The representative messed up and my loan was reported late. This is predatory lending and I am very upset as I am trying to refinance my house and get a business line of credit ; however, my credit report has dropped XXXX points. I would like Wells Fargo to suppress my credit reporting for XXXX 2016 as I made the payment on XXXX XXXX, 2016. This bank has been the subject of litigation for illegal practices. Most recently, student lending consent decree. I am a very good customer and very upset about how I have been treated.
Its a Theft on my criminal background thats under my name and it states that I was XXXX in jail XX/XX/XXXX. I have never been to jail for theft. It also states that I sat in jail for 4days for theft. Not correct. My wallet and personal belongings were stolen out my apt In XX/XX/XXXX and I called the police and they made a report on it I also had money stolen out my bank account which I was banking with XXXX XXXX XXXX XXXX. I did not and was not convicted or plead gulity for stealing. Someone stole my identity.
I have filed my complain previously to CFPB ( Case number : XXXX ) against SLFC regarding cosigning student loan. SLFC, in response decided that it will make the necessary transactions to remove me as cosigner from the loan and also agreed to take necessary steps to remove and repair my credit report and score that has been affected. Unfortunately my latest credit reports ( XXXX 2016 ) from all XXXX credit bureau indicating that the student loans still active in my reports. SLFC should take necessary actions to remove all these " active '' delinquency from my report.
On XXXX XXXX, 2017 I sent a request to the 3 credit bureaus to remove credit inquiries on my report as they were not authorized. I applied for a loan with XXXX and XXXX only in addition to XXXX. I have over 19 credit inquiries as a result of XXXX sharing my information without my knowledge or permission to obtain credit on my behalf. 

The response I 'm getting is the same from the bureau 's that the record is accurate when it is not. I 've not authorized anyone other than XXXX and XXXX to pull my credit.
Equifax has had incorrect information in dispute for 3 months and have not addressed it. I also sent in information to remove fraud alerts from my credit report months ago and they did not remove those either. Equifax has broken the laws not removeing the inaccurate items or addressing the disputes that were done online, in the mail and via fax. They did not remove all fraud alerts as well it was sent XX/XX/XXXX.
Wells Fargo checking account, currently residing outside the US The bank has rejected the same transaction 4 times in the same week for the lack of sufficient funds, and each time billed me XXXX $ overdraft fees! they did this with every transaction. 

How is it an overdraft fee if the transaction was rejected? I understand if they financed the transaction they have the right to take financing fees, but this transaction is rejected, and as a result it kept coming back, with each time them charging me XXXX , the bank has charged me a total of XXXX $ of fees for the same transaction. 

I called the bank and they refused to waive the fees, how is it an overdraft if the bank did not allow the " draft '' and did not pay, but rather rejected the transaction, and why did the bank charge me each time it rejected it!
Synchrony Bank administers Belk Store Credit Cards. Their online payment site and all of their statements claim the due date is the XXXX of the month. I had sometimes paid on the XXXX or the XXXX of the month which resulted in receiving a late payment fee, even though the date I paid was on or before the stated due date. When I raised this issue with the XXXX, I recived a condescending letter stating that I should always make my payment 2 days before the due date to avoid late payment charges. 
This seems misleading and abusive. If the bank wants to move its due date for payment earlier in the month, it should be transparent about it and send out a notice. 
XXXX recently " aligned '' its billing across company divisions which resulted in the due date for my phone bill coming 5 days earlier in the month. If a large company like that can successfully communicate such a change to their customers, why would a regional retail store refuse to acknowledge that they wish to have payment 2 days earlier each month? Of course, if they continue to charge any customer who fails to authorize payment ( bank draft ) more than 2 days before the stated due date, a late fee, they can increase their income. This is an unfair and abusive practice that is likely to affect many of Belk store 's customers. 
If possible I would like a refund of all late fees for payments made on or before the stated due date ( XXXX of the month ) but failed to clear to the satisfaction of the bank. 
It seems to me that any consumer should be able to plan and rely on the stated due dates in making payments. It is not fair to create a due date that does not reflect the actual date by which the payment must be " received '' or " cleared '' to avoid late fees. 
If a customer presents a check at a point of sale, it may take several days to clear their bank. Would it make sense to dun such a customer for a late fee because of the time it takes the banking system to complete a transaction? 
My accounting training is clear that transactions are recorded on the date they are completed. Revenue is recognized on the date of the transaction, not the actual date the bank releases funds. In the same way Invoices are handled based on the date they were issued not some later date on which the invoice happens to arrive at the customer 's A/P department.
I bought a car from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, I returned the car less than one month later because of problem that they refused to fix. This car company went out of business. My loan was with XXXX XXXX. From the time I returned the car, I was in contact with both the finance company and the dealership. It came to a point where this dealership stop communicating with me, I sent them ( XXXX XXXX XXXX ) a letter though the postal service ( and I still have the proof ) that the manager XXXX XXXX, Told me to send. Around XXXX XXXX XXXX, I received a call from her and she told me that this matter was resolved. It was in my records as resolved, and someone changed it. ( It was changed after I ask for confirmation, go to the backup in there systems ). I called customers service ( records ). Talked to a supervisor and asked for confirmation, they never sent it. Instead, they sold the loan, after my problem was resolved, and never told me anything. I have file complaints with the BBB about this matter before, but never on this company. I received a letter from XXXX XXXX and they tell me that it is a criminal investigation going on and a complaint filed with the Bankruptcies courts, I ask about this said vehicle and he said it is unaccounted for. I do not have this car and it was return legally, not abandon like this company likes to say. Result : I was sent back my deposit from the first company. 
Now the second company tried to force me to sign some shady paperwork witch a VA and personal lawyers told me not to sign, I received constant call from these people and I would like it all to stop. This has been the worst experience trying to buy a car ever. Im being held prisoner to theses unethical companys blunders and mistakes, which I was being proactive in the attempted to resolve. Still to this day, I do not have a 1.Licences to drive 2. A Car, No one will give me a loan with this on my report 3. My Credit score ruined because of this XXXX to at one point a Low XXXX 4.I was called a Liar 5. MY  FREEDOM, I was plaining on traveling around the country in my new car, 10 months later still here. This is taking my XXXX to the next level ( XXXX War Vet ). I would like to find the underlying cause of this and have it done with. I have been OVERLY Penitent about this whole matter from All Three Companys and they have all not shown me the consideration as a viable consumer with this whole matter, I am disappointed as a customer and a consumer and will continue to use ride share to commute because of this horrible experience.
Sent a Police Report to Equifax on XX/XX/2018 as per Equifax Office Of Consumer Affairs. Spoke with XXXX in Office Of Consumer Affairs refused to Dispute inquires due to ID Theft and advised me she would not help me.