WillisBack/dataset-financial-user-claim huggingface dataset:
The collection agency stated that this debt is from 1998. I didn't have a student loan from this date. I asked for the original paperwork that states the amount and the loan they said they would try to get me this to me but im still waiting to receive the papers. Also I have two collection agencies coming after me for one student loan. There is no working or speaking with this company, they have to be the best rudest nastiest people alive.
On XX/XX/2018 my lawyer sent a complain to Experian regarding a collection item listed on my credit report from XXXX XXXX. In the letter, they explained why the item is not valid and that it should be deleted and investigate. Experian then wrote me a letter stating that they have removed the item from my credit report but after a few days, I received an email notification stating that the item has been listed on my credit report and this came without any type of explanation from Experian stating why the item was re-listed on my credit report or a summary of the outcome of the investigation that they conducted with the original creditor XXXX XXXX.
Original complain still not resolved, have left messages for XXXX XXXX at TD BANK tel XXXX and he DOES NOT return my calls :. Complaint number : XXXX, Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX, Product : Checking or savings account Issue : Managing an account As explained on my original complain 15 days ago, I have not been able to access my account, it has been locked and was told I have to be at the bank to get it unlocked, I went to the TD Branch located at XXXX XXXX XXXX XXXX, I identified myself and explain the problem, the lady told me she needed to call their office, we were put on hold for more than 1/2 hour, I told her she already had my information to unlock the account and that I could not wait any longer since I had my ride waiting outside ( I am a XXXX person with no transportation ). She told me I had to be present for her to proceed. I filed the complain with your agency CFPB on the XXXX of XXXX, and last Friday I got a voicemail from the above gentleman, not to tell me the account was unlocked but that he needed me to return his call. I have been trying to reach this person and left him several voicemails and he has not returned my calls. Bottom line, the problem still persist and I have not been able to access the account on line, not by phone and can not even get my bank statements. I AM A XXXX PERSON AND I FEEL I AM BEEN DISCRIMINATED AGAINST BY THE INTERNAL POLICIES OF THIS BANK UNDER THE XXXX XXXX XXXX XXXX SINCE I CAN NOT GO TO THE BRANCH BY MYSELF TO RESOLVE THIS PROBLEM AND I HAVE NO METHOD OF TRANSPORTATION I received an email that your agency was informed that the problem had been solved, which is a lie. This morning I call your toll free number and was told that according to the record, the complain was closed and there was nothing else that CFPB could do, so I contacted my Senator to address the lack of enforcement action by CFPB Once again I need CFPB to continue tol address this existing issue with the bank.
A few months ago Synchrony Bank lowered my credit limit on my credit card with a high balance. The card was not maxed out, but it was within {$1000.00} of the limit. There decrease brought it down within {$200.00} of the limit, hurting my overall credit score. Now I go online to pay my bill and for an untold amount of time Synchrony Bank has been charging me for a Card Security Fee which I have come to find out is a benefit program? One that I never signed up for or agreed to. As a result I get charged not only my monthly interest but also this monthly fee resulting in my Credit Card now being over it 's limit. I have not used this credit card for purchases in over a year and now every month my debt on the card goes up and up because of an interest fee and a security fee I did n't ask for. They are pushing me into a debt ceiling that I can never recover from because of astronomical fees. They are single handedly driving my credit score into the ground and increasing my debt more than I am able to pay it each month. I ca n't ever seem to get a hold of them as their offices always appear to be closed.
I opened a " Kohl 's '' charge account which I always have paid more than the amount due. I did not always receive my bill on time, a few times I had been late. I found that I was being charged more than what I owed because of them adding a very high late charge, when I had already sent in the payment. The last time I got XXXX of these late charges I paid it with a small balance on my account. I owed nothing. Next thing I know they send me a bill with a late charge as the balance and a interest amount on top of it. I contacted them and told them what was going on and they just kept trying to collect it, I then received another bill and a phone call, on the call I explained to them what had happened and they told me that there was nothing they could do. I asked to speak to a supervisor, when I did I explained that my bill was already paid off in whole and that their whole balance was in late charges added after the fact. She said she would take XXXX fee off but not the other. I told her I would not pay either XXXX. I recently received another bill with the amount showing an additional charge for delinquency and they also reported me to the credit agencys to drop my credit score. This is why I stopped getting credit cards prior. This kind of abuse of their using my account to try to make money they are not owed. I also told them that I would not pay for late charges after my bill had already been paid in full and I was reporting them.
XXXX XXXX and XXXX XXXX from Admin Recovery LLC at XXXX have left messages with my employer, my friends ( claiming I put my friends name as a reference??? ), left messages on a work phone claiming I breached a contract, etc. and calling my boss immediately after calling my co-worker. They have this tactic of calling one person and then another soon after. I contacted them back and could not get a hold of them except their voicemail, and then spoke to XXXX XXXX and told him that I do not want to be contacted at the workplace, for phone calls to stop since it is before XXXX, and to send me the information so I can dispute because I have nothing from their end of what I owe except when they left a message with my coworker stating its a bill owed to XXXX. They stopped for one week and its starting again. When I asked them to stop calling me and I said goodbye, they would call back. A living nightmare. Please make them stop!!!
i submitted a claim for XXXX XXXX with you all. They wrote me back kindly and said they sold my debt to Calvary. Well calvary wants to sue me. After XXXX XXXX heard why i fell behind and they were sending old bills to wrong address. they were compassionate and said they would forgive it but its now sold to calvary. calvary is now suing me without giving me any chance to explain why i fell behind.
On Sunday, XXXX XXXX, XXXX, I tried to electronically freeze my credit file with Transunion. At the end of the process, I received an error message with a number to call to freeze it over the phone. Today, XXXX XXXX, I called and after 30 minutes of questions, I was told that the if I froze my credit account that I would have to send them social security verification in order to lift it. They told me someone had filed credit information showing " XXXX '' as a suffix and that was causing them a problem. I 've been living at the same address since XXXX and have always used " XXXX '' as a suffix although on some credit cards do not use the suffix. 
Surprising, I had no problem implementing a credit freeze with XXXX, XXXX and XXXX. The persons I spoke with then gave me a telephone number to answer questions about a security freeze. I dialed it and viola, it is their number to call in order to sign up for their identity monitoring programs. I 'm totally sick of companies like Transunion trying to make a buck on the misfortunes of XXXX XXXX XXXX citizens and, as much as I hate to advocate it, it is time for the US Government to get involved.
I owned to XXXX XXXX {$2200.00}. I am paying each month for {$100.00} to be free from my debt. All my payments I 'm sending to XXXX XXXX. Last payment I did at the end of XX/XX/2016. Back in XXXX I was short with a money and I missed my payment just 10 days. Then I applied for fast cash loan in order to pay my bills, and get it on XX/XX/2016 on my bank 's account. XXXX days earlier at my work place show up the men from Machol & Johannies LLC office, showing the court paper and my debt amount in front of all people. He told that I 'm not paying any money regarding my debt. I was confused. It seems that I live at my work place and do n't have a house where I could private to solve this problem, but not in public. 
A few days later, my bank 's account was garnished by Machol & Johannes LLC office. They took all my loan in amount of {$300.00} as legal processing fee, leaving my account with {$0.00} balance. .please, help again. i agree to pay each month, until I 'll be debt free, but this practice is not acceptable by me and at the same by Colorado state law. There is a percentage that you can be removed from the account when the client does not pay at all, but not 100 %. Thanks in advance
Sarma Collections Inc has a negative mark on my XXXX  credit report which is preventing me from acquiring new credit. I have sent a check for the full amount in promise for deletion yet account is still on my credit report.
In XX/XX/XXXX we purchased a home from an elderly couple. Recently ( XX/XX/XXXX - today ), I received a piece of mail from US Bank. Thinking it was my Visa bill I opened it only to find it was a statement for the previous owners of our house. I called US Bank and asked them to check their records and change the address on the account. The representative was very polite and said she would take care of it I received another statement, called US Bank again and was basically asked by the representative on the phone what they expected me to do about it. I suggested they conduct a universal records search to make sure all addresses for their customer are current. I told that representative that if I received another statement I was filing a formal complaint, since the privacy of their customers seems to mean little to US Bank. 

Today I received yet another statement for these people. I find this inexcusable. US Bank has the account number in question, the INCORRECT address and I would presume the correct address for their customer. This is an invasion of their customer 's privacy and I want it stopped. 

Very happy I have no account with US Bank if this is any indication of how " serious '' they are about customer privacy. 

Again, I will shred this statement.
XXXX XXXX  credit card issued by XXXX XXXX. New card was taken out in XX/XX/XXXX and used for purchases. Invoice received in XX/XX/XXXX and paid but I used wrong XXXX XXXX/Synchrony account from my online bill pay service. Received next invoice in XX/XX/XXXX and paid again to wrong account.

Making payments to wrong account was 100 % my fault.

I realized in late XX/XX/XXXX that payments were being made incorrectly. I called XXXX XXXX  on XX/XX/XXXX and explained situation and asked that funds get transferred from old dormant account to new account and late fee be removed. Was assured that this would be done within 7-10 business days. Total money paid exceeded amount due.

Called back on XX/XX/XXXX and was told that the transfer request was submitted incorrectly and would be resubmitted and I should call back in a few days to ensure it was being done.

Called back on XX/XX/XXXXand was told no transfer had been requested and would be requested again. This was an hour long phone call speaking with reps in XXXX  and the U.S. as well as a supervisor in the U.S.

On XX/XX/XXXX received collection notice email and new late fee assessed to account.

Called back on XX/XX/XXXX and was told that transferring money takes time and that there is nothing else they can do and I have to just wait. Was unable to speak with anyone other than customer service rep who is only authorized to submit funds transfer request. Was not allowed to speak with anyone in department who is actually capable and responsible for transferring funds.

I am 21 days into a simple request to have funds transferred from one account to another. Funds that Syncrhony is holding exceeds amount due on account.
I was reviewing credit card statements and noticed that a XXXX   charge of {$19.00} has been charged every month starting on XX/XX/18 to current. This is a service that I never signed up for!
This company keeps pursuing me after I have proven to them they are looking for another XXXX XXXX. They are making threats and saying they will not stop reporting this on my credit file. I can not believe they actually told me, they have the edge on me since they could keep reporting this negative account on my credit file, and said they don't care if I am a Veteran, or a XXXX XXXX XXXX XXXX. They are calling from different numbers, private numbers, and cell phone numbers all time of the day and night. I am living on an edge ; especially, when the debt isn't mine.
I have been disputing information in my credit reports for all three credit reporting agencies. The process is not very helpful for consumers as all the credit bureau does is check with the lending company who is reporting the inaccurate information. Specifically after my divorce ( 2014 ) I had numerous accounts that were settled for less than what was owed. In my status field for all settled accounts Experian is reflecting the highest balance ( for life of account ) as the Charge Off amount which is not accurate and negatively impacts credit scores and decisions by lenders. Repeated contacts to creditors and disputes to Experian result in no change to account status.
Ive paid a total amount of XXXX to XXXX XXXX. My payday loan was only for XXXX. I contacted the company about taking funds from my account and they said I was supposed for pay off interest. The amount I paid already is double the amount issued and there still trying to get money from my account
I began a repayment plan in the fall of XXXX after learning that I was no longer eligible for forbearance or deferment options. I spoke with an account manager who placed me in a program that allowed me to make semi-reasonable payments with auto deduction. I re-enrolled in this program every year since that and have been current the entire time. However, in XX/XX/XXXX I received notification that my payment would increase. I called that month and was told that it would not increase until XXXX, but I would have to wait until then to request the continue the current payment. I called the first week of XX/XX/XXXX and was told that there was no program I was eligible for from two account managers with no explanation as to why. There was no attempt to work to resolve the issue that the payment is too high for me to pay after 3 years of perfect payments.
Chase did a loan modification for my account on XXXX 2010. I lose my job in XXXX 2010. I filed chapter XXXX in XXXX of 2010. Chase sent a proof of claim in the amount of XXXX stating this is for XXXX, XXXX, XXXX and cost and fees. Which was incorrect because I had a loan modification on XXXX 2010 that include cost and fees. At the time of the chapter XXXX I only owe for two months and current month. These fees are foreclosure fees, Lawyer fees, and other fees. All these fees was included in the loan modification. In the state of Louisiana you have to be three months behind and have to give notice to the foreclosure. I did n't got any of these. Also my lawyer confirm that I was not in foreclosure. Chase change me for fees that was include in my loan modification. This is illegal.
My mortgage was purchased by Nationstar Mortgage, XXXX, XXXX. shortly after I lost my job and was unemployed for 7 months without an income, I missed a payment and had to make my payment on the XXXX instead of the XXXX of the month as that is when my wife was paid. I gave Nationstar this information, however they did not care or work with me at all and continued to charge me excessive fees, interest etc. I now make my payments on the 1st of the month and am re-employed, I now also pay escrow on my mortgage as this was mandated by the company because I was behind, even thought I always paid my insurance and taxes, they changed my payment without my knowledge to a larger amount, they said they notified me, however I received no such notice, now according to them I am even further behind, I have been making payments of {$940.00} the XXXX of each monthly, but my principle balance never goes down and every penny goes to escrow, charges fees, interest, inspections, etc. I paid {$1200.00} on the XXXX of XXXX 2016 and {$1000.00} went to the to fees and charges. In the past I applied for a Homes loan re-modification offered by Nationstar after providing them a wealth of information they required, they denied my request, I have spoken to many of their representatives, which are all from some foreign country, I get absolutely no help or resolution of any kind. They continue to send individuals to my home to take pictures of my house, even though I make a {$940.00} payment each month. I get constant collection calls, and threatening letters. I have investigated Nationstar on the XXXX. XXXX and they have over XXXX complaints related to the same issues I am writing about. At this point I feel that Nationstar iis a very dishonest company, they have no intention of helping in anyway, in just 6 months I have paid over {$4500.00} in interest and fees with less than {$300.00} actually going toward the loan. To me this a predatory company stealing money from myself and it 's customers. I want to know how this company is allowed to continue these practices, I want a resolution to this problem immediately from Nationstar Mortgage, and I fully intend to file a complaint with the XXXX, as well as with the XXXX of the State of XXXX, I want Nationstar Mortgage to know I am not leaving my house and as long as I make a timely payment each month they can not make me leave my house, I am going to do everything legally possible to stop these unethical practices!
XXXX   XXXX   sent information in  XXXX  about unpaid  XXXX  I sent them a check that same month, They never cased the check and I was never notified that {$63.00} was still due on the account, this company already was not paid by my insurance company due to them submitting the claim to the wrong department and now the submit a  XXXX  collection to my credit report using a credit collection agency and then did not use the correct address.     I called collection agency and they also sent the notices with incomplete address
They called me on XX/XX/XXXX @ XXXX I answered they hung up, then they called my mother in law who lives XXXX hours away and is very sick, she calles me and I told her that i would handle it. I got home at XXXX and called XXXX @ XXXX they transferred me some where else that took forever for someone to answer and then this lady came on the phone. She was rude, her dog was barking in the background, she never told me her name I asked three times who she was. she told me that I needed to pay this amount now or they was going to take me to court and get everything I owned if not jail. I explained to her that I could n't right now and I wanted to know how the debt had gone from XXXX to XXXX and I paid XXXX on it XX/XX/XXXX she said they have higher rates and I should have known that when I started the card. I told I would ot be able to do it and I and she said that I wasnt hurting her if I did or not. I told her I was not trying to hurt her, but I needed to look into this. now at the first of the call I asked her to stop calling my mother in law and so after I told her that I was not going to set up payment arganments with her she hung up on me while I was still talking. I noticed that the phone was still on so I told my husband what was going on and that I was going to talk to an attorney. Then I hung up. My cell rang again and it was her she was yelling at me telling me that I was not my husband and I was going around getting credit cards in his name she was accusing me of theft and she was going to call his job and boss to inform them about us. she called me XXXX and told me I needed to learn to pay my bills she then hung up. Then my husbands cell rang and it had a different number on the caller id so i answered it she told me that she had recorded everything and was going to give it to the client and sue XXXX me. I told her that was fine and I was charging her XXXX a minute for harassing me and my family. She said go ahead I 'm sure you can find me like you find the money to pay your bills and she hung up.
I transferred my lease in  XXXX    XXXX   from my name to another  3rd  party. We finalized the paperwork on  XXXX / XXXX /  XXXX   and mailed to   XXXX   XXXX   XXXX  , the guarantor on the lease. I received a letter from  XXXX  dated  XXXX / XXXX /  XXXX   stating that I was financially clear of the vehicle. I then gave the car to the other party.     I recently learned that they have been hitting my credit with derogatory marks for missing the  XXXX  payment, although I received the letter from the company saying I had no further financial obligation ( I have attached copies of the letter, lease transfer, and a copy  of 1 of the 2 credit reports that indicate 30 days past due for   XXXX   ).      I then tried to log in online to view my account, which I could not do, " no active account ''. When I called in, they could not see the vehicle had even ever been leased to me, nor could they see any delinquency on my account. When requesting a follow up and an inquiry through their call center on  XXXX / XXXX /  XXXX  , they had no idea what I was talking about. I was told that they would only respond or investigate my claims if I wrote a letter, which I wrote yesterday,  XXXX / XXXX /  XXXX  .     This comes after 8 months.  EIGHT  months of them being difficult to answer or transfer the lease ... requiring countless emails, letters and phone calls to complete the transaction. The amount of extra payments I had to pay just in their reluctance to complete the process was outrageous. The only way I got that process handled is I wrote an email to their  CEO Executive  Office and someone there pushed it through.     The amount of financial harm this company has caused me due to their own processes is ridiculous.
I requested my credit report after using XXXX XXXX a few times and was alerted of having a thin file and all three credit bureaus were not reporting the same information. I once again saw added information that was more identifiable than my last dispute. Phone numbers, addresse that are once again do not identify me. I have more added personal information than accounts, good or bad. How is personal information added, removed and once again appear. My recent dispute showed a family members three phone numbers, address and newly added mispelled names along with addresses I have never lived in. I am alsio wanting to know how I am denied any loan, or equity credit on my propeety that is paid with no mortgage which I do not believe I have a decent credible history, same employer for 28 years and now retired. Today I discivered a possible loan on my property that if it exists, was most likely borrowed in hopes I would not have a clue so reported it to CA real estate for possible fraud since it seemed to be a transfer type cash loan which could not have initially be listed on an MLS listing without me in agreement, moving along I have applied for a small loan with XXXX XXXX and my credibility is below standard yet my property is a great asset that should be credible. 
In closing I believe the information being added is by someone I know. Should I make that person known to you or should I just check my reports more often? Also personal information in this dispute I am speaking of is XXXX does n't remove all I askex them to as if it has to be there like it or not which personal identifiable information should be the utmost part of your credit file