WillisBack/dataset-financial-user-claim huggingface dataset:
I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
Graduated in XXXX and XXXX in about XXXX for a total of XXXX in student loans. Paid on the loan on-time for years and after a divorce in XXXX started having financial difficulties eventually filing for bankruptcy in XXXX. Loan Balance ballooned with fees to current balance of {$52000.00}! I am ready, able and willing to pay pay my student loan obligation - but I just stare in bewilderment how the balance has gotten XXXX higher & gt ; while paying XXXX in payments. Up until about 5 months ago - I had been paying back applying extra to each loan payment - like {$100.00} to start getting caught up ... then I got a little behind in payments ... but I want to attach my current statement showing the original balance, the current balance and the breakdown of my payments. In round numbers you will see payments of about XXXX ( half my original balance ) - but almost XXXX has been applied to interest - not principal ... so in XXXX in payments - only XXXX has been chipped away - and that 's with paying extra ... there is simply no path to paying off this loan ... but I will try IF these numbers are correct ... can someone investigate to confirm these numbers? They seem so unfair ... 

( XXXX UNIVERSITY is the institution )
I received a call from an american debt collection agency for a credit card debt I owe in XXXX, which I am paying back quite regularly, according to my financial possibilities. This company wanted to get personal information from me over the phone, like the amounts owed. 
Somehow they were able to pull off some of the credit from XXXX, but I never received any official communication from XXXX that they would transfer the debt in XXXX to this company in USA. I then received so far three letters asking me to repay in one solution a sum that is more than XXXX USD higher than my entire original debt, and it has been more than a year that I have been paying the debt back. As I said, I am currently paying the debt in XXXX and I can prove the transactions made to the creditor company in XXXX. This self-proclaimed debt collecting company, RMS, seems to be a scam because of the grossly wrong amount they are asking me, because I never received any official written communication from XXXX about them taking charge of my debt, because they appear to be unaware of my personal information, except my phone number and home address and some old credit card statements, because their physical address is a P.O. box, and the website they report in the letters they send me did never work at all, showing a blank page with a 404 error and it seems nonexistent. Additionally, googling for their name it comes out that they appear to be a scam organization, and some other consumers reported a companys physical address being in XXXX, while the address in my letters is XXXX, OH. They seem, act and feel like scammers. What can I do to let them stop?
I contacted Navient about two years ago to lower my monthly payments since I had just lost my job. I asked the associate what could be the lowest amount I could possibly pay. The associate gave me a number and we agreed that that would be my new monthly payment. I just recently logged on to the web-based account and found that for the last twelve months, the entirety of my payments were going only to interest and none of it was going to my principal. I feel that the associate steered me in the wrong direction and it seems like they did not care about my financial troubles at that time. If I knew that my payments would only be going to the interest, I never would have lowered my payments by that much.
XXXX XXXX XXXX Explained that this account was opened Fraudulently by someone using my information this is being reported negatively on my experian report the amount is XXXX
Equifax continues to carry incorrect information. Multiple contacts. They do n't remove any of it.
XXXX XXXX, I received Notice of Cancellation from XXXX XXXX XXXX ( XXXX ) and contacted my agent to find out what 's going on. Agent reported that Chase ( servicer ) had paid wrong XXXX insur co ( believed to be XXXX ). I then learned Chase had forced placed ins with a 3rd ins co ( XXXX ). 
XXXX XXXX, Chase Escrow StatemenXXXX XXXX reported an escrow shortage of {$4500.00}, and listed 3 separate payments for XXXX XXXX for {$1600.00} each. Chase increased my monthly payment to account for the escrow shortage. A copy will be uploaded. 
XXXX, XXXX, despite frequent multiple requests to Chase to confirm the Escrow Account balance had been corrected by refund of excess payments and reduction of monthly payments because any Escrow Shortage was due to Chase 's actions, Chase never provided the requested information nor corrected the snowballing fees and overcharges directly related to Chase 's errors. Then, without prior notice, and without correcting the errors in the account ( overcharges in monthly payment amount, late fees, increased interest from misapplication of payments, etc. ) servicing was transferred to XXXX XXXX XXXX XXXX 
XXXX XXXX, after receiving initial account information from XXXX, XXXX, and seeing that Chase had never corrected their errors and the fallout from those errors, including payment by Seterus to Chase of over {$400.00} in late fees I contested, I started my campaign of regular phone calls to XXXX explaining the Chase escrow account mismanagement, over inflated principal amount, outstanding late fees, and newly revealed escrow shortage. All to no avail. Despite my persistent requests to XXXX to obtain the appropriate Escrow Reconciliation Report from Chase, to this day XXXX never did. This is in addition to the multiple requests to Chase. 
XXXX XXXX, I sent both a detailed Debt Validation Letter and a Letter of Explanation to Seterus by US Mail XXXX, after learning from one of the putative specialists at XXXX that they only respond to written questions, concerns, and requests like mine. A copy each will be uploaded. 
XXXX XXXX, after being paid a visit by an agent for XXXX in violation of my written requests, I mailed a Supplemental Request to XXXX. A copy will be uploaded. 
XXXX XXXX, continued efforts to follow up with XXXX to resolve. Made what I considered the correct monthly payments until locked out of the XXXX web site. In XXXX learned that my file had been sent to attorney for foreclosure. Initiated email and phone contact with XXXX attorneys. XXXX XXXX, participated in a conference call set up by a XXXX attorney including atty, me, and a XXXX XXXX who promised to get to the bottom of Chase escrow account issues in order to assist in the resolution of pending issues between me and XXXX in order to avoid foreclosure. I never heard back from XXXX rep nor atty who set up conference call. A copy of emails will be uploaded. Instead, on XXXX XXXX, XXXX week later, foreclosure civil action was filed against us. A copy of the Complaint will be uploaded.
After multiple attempts to verify amount of debt with creditor, over the course of two weeks, creditor has failed to provide amount of debt.
XX/XX/XXXX I completed a refinance with XXXX XXXX XXXX, as a part of our agreement, I agreed to pay XXXX beyond my mortgage also my taxes and insurance. And from my escrow account both would be paid on my behalf by XXXX. However on XX/XX/XXXX my homeowners insurance was canceled due to non payment, I found there was a confusion with billing from my insurance and payment from XXXX, we supposedly got it sorted out, I got a new Insurance policy and thought all was taken care of. XX/XX/XXXX I am notified by XXXX XXXX ( insurance ) my policy is going to be canceled again due to non payment, I called XXXX and they told me they would send a overnight payment, again I thought all was well. The payment was not made until XX/XX/XXXX resulting in the policy being canceled. Summer of XXXX I received a bill from XXXX for my normal mortgage plus fees and fines because of " lender placed mortgage insurance '' I contact XXXX they agree to remove the fees if I get a new policy, I do so the new policy is in place XX/XX/XXXX and XXXX made the payment XX/XX/XXXX. Since that date I have continued to get bills from XXXX with fees and penalties related to the lack of insurance I have spoken to someone at there company multiple times a month to resolve the issue which in there terms was " Under Dispute '' with no resolve, until in XX/XX/XXXX/XX/XX/XXXX I noticed they had started reporting my full mortgage payments as partial payments because they did not include the fees and fines associated with the forced placed insurance. My Credit has now dropped from 800+ to 700- because of their untimely payments. I would like my credit restored and the issue resolved. +
XXXX  a t NCR ( National Check Resolutions ) contacted me at my place of employment. I have never been in contact with her before today. Called our Corporate  headquarters and we can not receive any inbound calls that are not related to our business. The call was transferred to me. Her contact number is  XXXX  ext  XXXX
I recieved an escrow review notice that increased my payment by over {$1100.00} per month. The mortgage company is trying to escrow for over {$6000.00} for insurance and they refuse to adjust the amount, waive the insurance cost, or eliminate the escrow portion of my account. The actual cost of my homeowners insurance for the property is around {$600.00}. 

Please help. 
XXXX XXXX XXXX
My mother is a SSI XXXX recipient. Payday loans should not be extended to people who are either only getting SSI or XXXX are their income.
I FINALLY FOUND OUT THE TRUTH! In XXXX I was approved for a loan mod with Chase Bank. I completed making my 3 trial payments to Chase and in XXXX of XXXX I call ; ed to make my 4th payment and Chase told me I was transferred to XXXX and that I would have to call them. I called them and they said that I would have to start the mod process all over again. I was DEVASTATED!! I tried to get the mod through XXXX but their system is slow, unorganized and unpredictable. They tried to utilize the NPV tool and input my wrong income. I sent them a pay stubs making XXXX per month and they input I was making XXXX per month and denied me because of income. On another occasion they stated they did not receive documents from me, however, I sent them every document they asked me for and I have records of me sending all the docs, timely. 

My real BLESSING came last week when I called XXXX to plead my case and see if I could short sale instead of foreclosure. I spoke to XXXX in customer service. She opened the file and blew it apart. She went back to XXXX when the file was sent to XXXX. She read all the notes and found that Chase did not send the mod package to XXXX so they had no record of it. Furthermore, she found that by the time XXXX recieved my package was in XXXX and the docs for the mod had expired. That is when XXXX stated the docs were expired and because they did not have my signature they were not going to honor my mod. IT TOOK ME 4 YEARS and a girl named XXXX to finally help me. I had no idea what the issue was. I am asking that Chase and XXXX honor my modification and apologize for the inconvenience they have both caused.
I need to dispute a charge on my credit. There is a matter that the company should have taken me to court over because the lease at the apartment complex that I was renting at was voided, as proven by lawsuits by other renters that were released from the contract because amenities at the complex were closed without notice. Please understand I left the apartment XXXX month prior to what the lease would have been holding me to, had it not been voided by property management when they removed the amenities without notice. 

I rented at XXXX XXXX in XX/XX/XXXX. The contract for some reason was set up for XX/XX/XXXX to XX/XX/XXXX. I rented at this complex because it advertised an indoor pool and fitness center that I could enjoy throughout the year. In XXXX approximately, I went to swim at the pool and the doors were locked without any notice and no sign was posted that it would not be reopened. No notice was given and two weeks later, I inquired as to when the pool would be reopened. They stated it was closed for repairs and would be open again soon. A week after that I inquired again and was told the pool would not be reopened at any point in the future. The fitness center was also locked and unable to be used. Later, around XXXX, A neighbor stopped me outside of the apartment and was very upset that he rented just 2 months prior to these being closed and that he was taking them to court to be released from his contract. Later, I found out that he and several other tenants won judgments in court that the contract was voided and we could not be held to them. As amenities were advertised and not provided. The cost of rent was higher to cover the amenities. 

On XXXX XXXX, I turned in the keys after cleaning the apartment and leaving it in better shape than the day I rented it. As the contract was voided for others, I also am not responsible for the {$750.00} rent for the month of XXXX. Later, I found out that they reported the {$750.00} to collections and the credit bureaus. As this is a civil matter, I feel if they believe that I owe them they are obligated to take me to court over this amount and are illegally reporting this to my credit and turning me into collections. I do not owe this money and this is unfairly being reported. I have emailed them and asked them to remove this. I feel it would be unfair for me to pay travel expenses, attorney expenses and court costs to resolve this matter. I am in Ohio, I believe that if they feel I owe this, they should have to take me to court for this amount. I never received notice from the apartment management that this money was owed at any point. 

Sincerely, XXXX XXXX XXXX Phone : XXXX XXXX, XXXX XXXX
This collector is attempting to collect on a debt that is time barred and past the statute of limitations. I have n't been known by that last name in over 7 years. The account is no longer reported on my credit profile and is considered time barred. No validation and or authorization to contact me has been provided. TIME-BARRED DEBTSA new practice has arisen in the debt collection industry. Old, charged off debt is packaged and sold to other financial entities for as little as a penny or less for a dollar of old debt. These debts are old and often barred by the statute of limitations which limits the period of time during which a lawsuit may be filed to collect the debt. 
Thus, a time-barred debt is XXXX which can no longer be collected by legal means due to the passage of time, e.g. - - lawsuits, wage garnishment, liens on real estate, etc. These buyers of old debts are " debt collectors '' covered by the Fair Debt Collection Practices Act.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX This is a fraudulent debt collection. I do not authorize this. Please investigate.
I have on my credit reports Jared XXXX XXXX XXXX reporting as Chapter XXXX, in collections, charge off and past due. This account was opened in XXXX, never missed a payment and in XXXX XXXX, several months before my chapter XXXX was discharged, the XXXX dismissed my chapter XXXX due to changing income and then reinstated it. Some how, XXXX was notified and then decided they were to include this account in my chapter XXXX ; against the law. You can not add accounts that were not initially included at the time of filing, per my lawyer and the Trustee.
I went to XXXX XXXX XXXX XXXX and I graduated with a XXXX Degree I graduated in 2006. Getting an education at this school was the worst decision of my life. My debt is so bad and I struggled getting work when I XXXX got out of school which just compounded my debt. I also found out that my degree is pretty much worthless and does n't transfer to any other college, I digress. I 've been doing everything in my power to pay down this enormous debt. My current interest rate is at 8.75 % thru Navient/ XXXX XXXX which they increased my interest last year. I pay over {$2000.00} a month and still owe around {$200000.00}. Do I have any options, anything at all, that can help me pay more towards my principle or bring down my monthly payment. I 'm not trying to skip out on paying what I borrowed but the amount that was added on top of what I borrowed is insane. I feel that I 'm a slave to this debt it will be for most of my life. My advise to others is do n't ever follow your dreams if it involves going to a college like XXXX XXXX because in my case it was the exact thing that prevented me from achieving it.
TCF Bank charged my account an overdraft fee totaling {$180.00} dollars. How can they charge an overdraft fee for each small purchase around {$5.00}. Is it not more reasonable to charge an overdraft fee to your account at midnight if you account is overdraft rather than charging {$35.00} on every small transaction that happened in the day. 
While it is a good idea to keep track of your current balance, TCF does not have a customer friendly services online and on their app. For instance, their website is so confusing and asks for multiple secret questions everytime I try to log on. 

I have checking accounts with other banks and when I go overdraft in the day, they send a notification to my email, and regardless of how many transactions I charge to my card they do n't charge the overdraft fee of {$35.00} to my account if I make sure I deposit cash into my checking account before the daily deadline around XXXX. 

I have to say that TCF Bank representatives were totally eager and indifferent about charging their customer {$84.00} dollars for going overdraft by {$10.00}. I was dismayed by their customer service and how they treat their customers with contempt. I have since closed my checking account with TCF Bank.
On XX/XX/XXXX XXXX dollars and XX/XX/XXXX XXXX  dollars was deposited into my PayPal account for a old drawing I had and a gentleman purchased it well I had to wait for access to this money for 6 days due to the fact I had to follow their procedures which i did then they finally released the money for me to have access too well within 5 hours of having my money they then put an account limitation on it saying I needed to provide some more information proof of identification tracking information and etc all of this was provided same day it was asked for so for the next 4 days I talked to several people several times a day and each person telling me the same thing you have provided all the information we asked for and the limitation will be lifted well yesterday ms XXXX got all the information again plus extra proof of requirements so that it would be lifted well I receive an email stating they closed my account and I have to wait 180 days to get my money so I call and they tell me there is nothing they can do because back office made decision the buyer had tried to help telling them he is happy and received the item and to release the money there is no reason for them to hold my money especially since they didn't hold taking out their fees from the start and I had to wait for 6 days to even touch the money then only had it for 5 hours and they stopped me accessing my money. There is no fraudulent issue no issue with buyer no issues at all except with them not releasing the money what bills I did get to pay from this account while I had access to it the ones that didn't clear because they put hold on account in middle of me paying bills have been returned and now these companies have closed these accounts and I being charged XXXX dollars per returned fee. I understand they needed informations and to make sure buyer was happy and received item and they were provided every thing they asked for why let me have my money to turn around and take it back for no reason and now tell me I have to wait 180 days. Someone please help me I am so upset and confused I don't know what to do.. thanks XXXX XXXX . XXXX. XXXX
Dear Collector : I just noticed that your company is reporting the following account listed below on my credit report. 
Creditor : Account : This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned?

11.Copies of all letters sent to me from you and the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined?

Thank you for your time and cooperation.
-XX/XX/XXXX, I leased XXXX XXXX XXXX, lease terms 3 years and XXXX miles per year. financing company was BMW financial. lease ends on XX/XX/XXXX -XX/XX/XXXX, prior to my lease end, I entered into another lease for another XXXX XXXX XXXX, lease terms 3years and 15K miles per year. I have used BMW financial " pull ahead program '' which stated the following, BMW will " waive '' the last 3 payments and the lease disposition fee if I rolled my lease into another BMW. At that time I only had 2 payments left. 
-XX/XX/XXXX, I received my end of lease statement with a balance of {$3000.00} which included the last 2 payments {$2000.00}. however the lease disposition fee of {$350.00} was waived as stated " pull ahead program ''. I have contacted BMW financial and paid my portion of the that balance {$960.00} and explained to them the mistake on the statement. I followed up with registered letter on XX/XX/XXXX to state the same explaining that I followed their program. 
- on XX/XX/XXXX I received a letter informing me that the " remaining payments have been covered by the pull-ahead program '' and that I have a XXXX balance -on XX/XX/XXXX BMW financial reported me to the credit bureau as late 30 days. I came to find this out last week when my credit was pulled for a mortgage application. I have never had a single late payment in my life so this destroyed my score and lowered it. 
- In short, I have done everything in accordance with the agreement I signed but because of BMW financial negligence my credit has been destroyed. it is wrong and this company need to be held accountable.