WillisBack/dataset-financial-user-claim huggingface dataset:
The reason I am writing you today is because XXXX Credit Reports states that they had some " investigation '' when I disputed a notation in reference to XXXX / XXXX but the issue is. The amount reported from the Reporter ( XXXX / XXXX was much higher then the agreed to amount between myself and XXXX collection agency. There was litigation then we settled out of court for XXXX but there has not been any notation that the payment was properly applied to my account. I see from the most recent credit report the XXXX settlement is being ignored and the XXXX payment is being placed against a much higher balance this balance is not what we agreed to and wrong. This was reported to the credit reporting agencies including XXXX on several occasions but they state an investigation occured. If this indeed happened there would be evidence I asked for this evidence. None was received by me. I believe that if those who place information onto a credit report pay a fee to do that that creates an conflict of interest when a subject of the report attempts to correct an inaccuracy. Disputes go as far back as XX/XX/2013 I have a copy of the NYXXXX XXXX Complaint. This company had more then enough time, it 's time to remove the item from the report.
My daughter had XXXX XXXX XXXX. This is considered XXXX XXXX not covered by normal health care policies. At the doctors office we used Care Credit and secured a loan of {$10000.00}. 5 years term at 14.9 %. we made monthly payment for 25 months with no issues. Suddenly Synchrony Bank expired the original loan agreement and now changed the rate to 26.99 % Synchrony Bank was not the visible lender at the doctor 's office. We contacted the Florida Office of Financial Regulation, Division of Financial Institutions chartered to regulate banking in Florida. But they are helpless. Synchrony Bank is a Utah chartered operating in Florida and under supervision of Consumer Financial Protection Bureau. This makes no sense to me, meaning Florida can not regulate its own banks operating in Florida.. Synchrony Bank XXXX XXXX XXXX XXXX, XXXX Florida. XXXX ( XXXX XXXX XXXX ) They have no legal right to expire an original loan agreement. <P/>The Florida Attorney General 's Office is now aware of this bank fraud. They are contacting Synchrony Bank but have also advised me to file complain with CFPB. You should follow up as soon as possible.
On XX/XX/2016 Paypal limited my account due to activity changing. I uploaded requested information, and they reviewed it. Upon calling customer service, they have been unable to give a valid factual definition of why account was limited, or describe any type of activity that increased risk. Upon review they requested further information which I have provided through multiple means. I have emailed, uploaded, emailed, and uploaded multiple times. Paypal continues to spin in circles and hold my money, not allowing me to access it without any logical reason. 

At this point, Paypal has denied me access to my funds of {$4400.00} since XX/XX/XXXX. I have recently been emailing, and calling daily with no resolution. Paypal is continuing to withhold customers money for arbitrary means, similar to a recent class action settlement. They provide no relief, do not respond to emails, upload submissions, or provide any resolutions. They are wrongfully withholding valid funds, in order to use the funds and profit off of them.
An internet company, XXXX and credit collection company, Southwest Credit are trying to scam me for {$140.00} I do not owe. I have never had an account with XXXX. Those companies, with no notification to me, filed this debt on my credit record on XX/XX/XXXX. I learned about it on XX/XX/XXXX. I called SW Credit, they said it was a bill that I owed XXXX XXXX from XX/XX/XXXXand XXXX had purchased XXXX XXXX. I did have an internet account with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I had a XXXX XXXX, my wife was a XXXX victim. After my XXXX we had to close our home and move into a XXXX home. 
XXXX XXXX was notified, the antenna and all internet equipment was shipped to them. The contract was cancelled, they sent a final bill. It was paid and we never received further correspondence from them. Then three years later, this appears on my credit report. My wife has XXXX XXXX. I am an XXXX year old XXXX XXXX XXXX XXXX XXXX  veteran, live alone on a fixed budget with little but my past memories. As a matter of decency, I would like this removed from my credit record.
Me and my spouse live in a community property state where we both equally own our house. Also our house is an exempt property per our state statute. Carrington Mortgage Services is the mortgage lender for our property ( Carrington Mortgage Services, LLC   XXXX   XXXX   XXXX  ,  XXXX , IN  XXXX , Phone #  XXXX  ).
After we missed few mortgage payments, my spouse herself filed Chapter   XXXX    Bankruptcy and all the lenders, including Carrington Mortgage Services, were notified by the court.
Pursuant to Chapter   XXXX    Bankruptcy law, should automatically stay all the collection activities by the lenders.
Carrington was fully aware of the stay, but nevertheless, sent a letter of pending acquisition to us few days after filing.
When I called Carrington, the agent lied to me and told me that unless and until I file Chapter  XXXX  Bankruptcy, the foreclosure procedure wo n't stop, since the mortgage is under my name alone.
I explained her that since my spouse is the co-owner of the house, the whole house is considered to be Bankruptcy estate since she filed Chapter   XXXX   Bankruptcy and unless and until Carrington file a motion to lift stay in the Bankruptcy Court and get the motion approved, they can not do that.
The agent on the phone completely ignored what I said and threatened me that if I want to keep my house I need to pay immediately.
Few days after that Carrington  sent me a mail of mortgage loan default on  XX/XX/XXXX  of 2017. At that time, I again contacted Carrington, and the agent told me that Carrington has already sent me the pre-foreclosure notice and the auction for foreclosure would be on the  XX/XX/XXXX of 2017. Th is time Carrington agent provided me the phone number of the attorney that is representing the foreclosure process. The phone number of the attorney is :  XXXX .
When I asked the name of the attorney, the agent declined to do so.
Carrington has sent me three mails and also adding a fake letter from some unknown company who is willing to buy the house.
Carrington is continuing with the foreclosure procedure in violation of automatic stay and in violation of our state statute of exempt property and community property law.
I even explained Carrington that my spouse and her attorney has proposed a payment plan for 60 months, to catch up with the missed payment and interest accrued by our non-payment.
The agents would sometimes threaten with foreclosure and they would sometimes try to tell me the law that does not exist.
They are trying to force me to set up automatic payments by saying that starting XX/XX/2018. Any one time payment on the website or their app will be charged a {$3.00} fee. To avoid the fee I must set up automatic payments OR mail in the payment by using a check.
I called Pennymac last month to ask what options I had regarding not being able to afford my whole payment for XXXX. I was told I could pay {$500.00} and make up the rest next month. I was told that because I am under BK protection this plan of action " would not affect me in any way ''. This was not true as I was charged about {$800.00} in late fees and interest. Furthermore, the statement I received os incredibly deceitful. It shows no late fees or interest and gives no information on the charges I was told would not happen.
EQUIFAX REPORTING THE ERROR XXXX XXXX XXXX  XXXX Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
On  XXXX   XXXX   2017  I had a balance of $ {$62.00}. Regions charged me  a OD FEE  of {$180.00} when nothing was ever in the negative.
TransUnion has been told by both XXXX and the collection department for XXXX correct information and yet a year later for XXXX and 4 months later from XXXX, nothing has been amended on my credit report. They are still showing on the FICO pull a serious delinquency and collection from XXXX and their collection agency. That should be showing from 2011 as the delinquency, not as of recent. It 's been corrected on XXXX over a year ago but TransUnion has either been slow to the finish line or refusing to correct the items. From XXXX it is still showing the balances are too high and that is incorrect as well. I 'm utilizing and have been for over 4 months, less than 5 % of my total credit. XXXX sent TransUnion a secondary notice of XXXX balance when I complained last month.
Freedom Mortgage purchased my loan. They do not abide by the terms originally set in my loan nor do they acknowledge that this is a federal requirement, to include the payment due date. 

When converting to Freedom Mortgage from New Day USA I did not receive federally mandated written notification on where to pay Freedom Mortgage. Their conversion to allow me online access took eight weeks. I called them prior to deploying as the conversion was taking place as I was stepping on the plane overseas and expressed my concern that I was not able to log in, nor did I have documentation on where my mortgage payment was to be sent. 

Eight weeks into the XXXX my neighbor emailed me stating that I had a foreclosure notice on my door - with literally no way to pay my mortgage as it was lost in cyberspace of converting it over to a Freedom Mortgage loan. Freedom Mortgage charged me {$15.00} for placing the foreclosure notice and doing a " home inspection '' to see the status of the property. I advised them that not only was I attempting to be proactive in paying my mortgage, they were in violation of Service members Civil Relief Act by attempting to foreclose on me while XXXX. 

This is, hands down, the worst mortgage servicing company I have ever dealt with. They are in violation of several federal mandates and SCRA protections with ZERO accountability.
On XXXX XXXX, XXXX Equifax learned of a large scale breach into mine and other consumer 's information through a database breach. This information pointed to the fact that Equifax had leaked much of mine and other American consumers personal data, including social security numbers, date of birth, and even credit card numbers and other personal information. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Immediately following my discovery of the breach ( XXXX XXXX, XXXX ) I placed a 90 day fraud alert on my account through Equifax. This is already two months after the breach occurred, however, which leaves plenty of time for a hacker to have used my information to open credit cards in my name.
I was contacted yesterday, XX/XX/XXXX, by a company named XXXX XXXX XXXX XXXX claiming i was going to be served papers today,XX/XX/XXXX, on an account that went delinquent in XX/XX/XXXX if I did not agree to take action immediately. Since XX/XX/XXXX, I enlisted in the XXXX XXXX in XX/XX/XXXX. During my service, I underwent an investigation to obtain a security clearance and was forced to take care of all debt on my credit report. To the best of my knowledge, I had 3 accounts that I called and settled. None of those accounts were this account that I'm being sued for. I was able to obtain my clearance meaning my report was cleaned up and I was out of delinquency in all accounts. I got out of the XXXX in XX/XX/XXXX and have since then purchased two vehicles and a house. None of these transactions reflected a delinquent account with XXXX XXXX. I was unaware of this 'delinquent ' account until yesterday and feared being sued in court. I agreed to set up a payment plan with the first payment being withdrawn from my account in 2 weeks, XX/XX/XXXX. I do not know what to do at this point. I feel as though this is a scam to collect an expired or time-barred debt. 

Original account number : XXXX Original Creditor : XXXX XXXX Total Balance : {$1200.00}
Yesterday, during a routine call to Wells Fargo to order checks, the employee said I was eligible for a better credit cad and referred me to another employee in South Dakota named XXXX. He examined my accounts and discovered that I had two checking accounts and no savings account. He suggested repairing this situation, and did. Today I read in the paper that Wells Fargo employees have been issuing unwanted accounts and charging us for them. Wells Fargo has been fined a lot of money. Am I eligible for some of it?
I called and they stated it is for a utility bill I never authorized. They refuse to prove that the debt is valid
Okay, this is a complaint about Navient, among other egregious issues as they are just the XXXX 's loan company the preyed on people for years before other lenders decided to do private student loans. Besides that normal problem, for the last month, I have been working with my current school XXXX to defer my loans for another year, as the school mistakenly put my graduation down for the wrong year. The school has done everything possible, they called Navient, they sent numerous documents and updated the NSLDS stating when my new graduation date is. I emailed the company several times I got one response back stating that everything was going to be deferred and then today I got an statement for next month stating that I owe over {$300.00} which I can not pay while I am back in school. So it appears to me that I keep getting lied to by Navient and this company WANTS be to default. The worst part is my XXXX were deferred with no problem. I have to documentation to prove that they said everything was deferred to 2019 and the money they are now asking for.
Last minute requests for more documents then hitting me with lock rate extensions. I applied for the loan and locked my interest rate. At the end of the rate lock Wells Fargo would ask for more documents and I would give them to them and they would have to extend rate lock and try to blame me and charge me for rate lock extension. This went on and on with up to 5 or 6 rate lock extensions until I finally let them know that I would not pay for the last rate extension. I was told that they would let me know what they were going to do. They did not let me know until I called them a week later. Thats when I was finally told that someone from the complaint department would get back with me. That was over 10 days ago and I never heard from them again. The loan I applied was a no brainer as I have banked with Wells for years, my wife and I have great credit with over 800 credit scores, and we were refinancing and paying the 1st down by about {$40000.00}.
I was in car accident back in XXXX XXXX and the other driver insurance company XXXX XXXX totaled out my car an gave almost the amount of payoff and GAP insurance took care of the rest.Also company listed wrong last of payment on my credit report of XXXX which is causing issues in my credit due to false reporting.But the last payment they recieved was from Gap that paid off car.The company also re aged debt with the credit bureaus
XXXX XXXX XXXX calls me and my cosigner multiple times per day. I have advised not to call multiple times per day and they continue to do so from different numbers. They also have multiple individuals break on the time and take over the calls without notifying me that they are changing. They are pulling up my credit reports and telling me to not pay my car note or insurance and taunting me about what I can pay or can not pay.
I received notice on my credit monitoring site that ERC was collecting a debt that I was never notified about. I contacted them and they told me they did not have to send me anything letting me know that are collecting a debt. I told them I was under the impression that it was mandatory they send me something within 30 days of purchasing or receiving the debt and they said that is not true that they didn't have to do anything. This did not seem right I wasn't notified and had no idea about this until my credit monitoring site sent me an alert.
On Saturday,XX/XX/XXXXat XXXX CST a call was placed from I, the consumer, to Cash Central. I do not know for certain if this is the company that has been completely rude and obscene to me because they do not identify themselves when they are leaving voicemails nor do they identify themselves when answering the phone. If you call them at the number they leave you on your voicemail it 's always a representative that says " Corporate, this is ( say their names too low so you ca n't hear them ). '' The first representative i spoke with was a woman although I could not get her name because she whispered it. I advised her I was calling in to request for all communication to cease and desist since I had already asked them to not call me anymore on XX/XX/XXXX at XXXX yet they continued to call my employer and references. On XX/XX/XXXX I was hung up on 2 times for asking to speak with a supervisor as well. The woman then transferred me to a man in " corporate '' who 's name was also whispered on the line. I provided all account information and was cooperative the entire time. I asked him to cease and desist all communication on my account and he advised me " yeah that 's not going to happen '' because my account was currently in collections and because I needed to pay everything at that moment. He was very rude and advised me that they will continue to try and charge my checking account until they get their money so to " just keep an eye out and to expect for my money to be gone ''. I asked him, on a supposedly recorded line, " Are you refusing my request for all communication to cease and desist? '' He stated " yes he was not going to stop any calls until you actually pay everything. '' I advised him I will pay their company when I can and have the ability to do so online. He still refused to cease and desist even though there is no law that states they can refuse that request if the account is in collections at that moment. He stated he would only stop the calls until next Friday for me to pay everything then after that they will continue to call me, my employer and references. He also advised me they will most likely take all of my money from my checking account before then either way so to just keep an eye out. I understand i am behind. That was never my intention to begin with. I could not help the fact that Hurricane Harvey affected my immediate family and I am obligated to do everything in my power to ensure their well being. However they did n't care to even try to listen or ask why I am behind or offer any type of assistance other than assisting me with attitude, being rude and obscene then hanging up on me.
I have 2 charges from ambulance rides. At the time the two insurance companies both rejected the claim. Only a year after the fire dept turned this fees over to XXXX XXXX XXXX. The insurance company tried to rectify the situation and XXXX XXXX XXXX  turned them down. The two fees for XXXX XXXX XXXX are XXXX $ and XXXX . Both were not adjusted by either Insurance co. The final charge is for XXXX dollars for XXXX Hospital. I was at XXXX hospital during that time but the money that is owed was paid for at the time of service. Im currently getting proof of that.
On XXXX XXXX, 2016 I visited XXXX XXXX in XXXX, OH to purchase an used XXXX XXXX XXXX. I had pre-approved financing I had obtained with my bank prior to shop for a vehicle. After we agreed to a purchase price I proceeded to give the dealer my bank pre-approval paperwork as my form of payment when the manager advised me that they may not be able to accept my private financing plus they may be able to get me a better deal with one of their lenders. I told him that I was pleased with the financing obtained with my bank ( XXXX XXXX ) and that I did n't need to check other options. The management continue to pressure and asked me if they could just run the numbers with their lenders, just to compare. I asked if it would affect my credit and they said no. I was then offered a loan with Bank of America with a comparable rate to the one I obtained plus they offered new car mats for taking taking the financing with BoA, their lender which I accepted. This year I noticed my credit score was lower than what I expected and noticed XXXX credit inquiries on XXXX XXXX, 2016 for a vehicle loan that are directly affecting my credit rating. These inquiries were done by the dealer after convincing me to check with their lenders after saying it would n't affect my score. I also learned recently that financial institutions do give dealers a commission for offering their products. Now my credit is affected because of a loan I did n't need in the first place.
I was charged twice in the month of XXXX for my auto payment of {$380.00}. 

The first payment I made manually on the XX/XX/XXXX. The second one came out automatically on the XX/XX/XXXX for another {$380.00}. I did not make this payment and I have never set up auto pay, ever. 

In fact after they recently revamped their website I had to re-register. I couldn't have magically set up auto pay during this time when I had to re-register with the site. 

I called to ask for a refund some time in early XXXX. They said they would mail a check and that it would take up to 10 days to arrive. I waited about 14 days before giving them another call. This was on the XX/XX/XXXX and it is reflected in my call logs. 

They promise to overnight a check to me ( which took 3 days ) and asked if I wanted to make the XXXX car payment while I was on the phone. I said yes and the girl confirmed that I made a payment in the amount of {$380.00} + a {$7.00} card fee. 

You will see in one of my statement screenshots that the payment came out the following day ( XX/XX/XXXX ). 

You will also see where I deposited the refund check in the amount of {$380.00} on the XX/XX/XXXX. 

I have never missed a payment since working with American Credit Acceptance and  my statements clearly show that I paid in both the months of XXXX and XXXX and was overcharged in XXXX.