WillisBack/dataset-financial-user-claim huggingface dataset:
I worked to pay the total balance, and have brought it down from over {$1500.00} to {$300.00} & when the interest was added, it was added based on {$1500.00} & not on the remaining {$300.00}. No company should be able to charge double the amount of interest on a deferred balance, there should be some sort of limits set for the balance and amount of interest charged. I am XXXX and on a fixed income, and can not afford to give them an additional {$260.00} plus additional interest.
XXXX reporting XXXX XXXX account XXXX original assign date was XX/XX/XXXX and was disputed in XX/XX/XXXX with XXXX  with no response from XXXX. XXXX has now changed their reference number and reported in XX/XX/XXXX without ever validating the debt. It was reported to XXXX and XXXX. Also XXXX is showing on both CRA reports conflicting dated and information that differs on both reports intent to re-age the debt.
I previously filed a claim in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX and illegal debt owed. Now I have a proposition to file with same company, Capital Management Services , LP of same claim of debt not owed. I have sent numerous letters as return to sender, phone calls. i contacted XXXX XXXX XXXX, ( XXXX ) XXXX debt paid in full. per transcript. I wish to seek help in getting this resolved and seek restitution for illegal payments to both companies and threating phone calls/letters. Please help!
In XXXX 2014 our loan was sold to XXXX XXXX out of XXXX, OK. Shortly after purchasing the home, we put in over XXXX of updates and remodel costs. I wrote to the company and was told that I had to have the loan for TWO YEARS before the PMI could be removed. It has now been two years and I am trying to request an appraisal so that I can meet the loan to value amount of XXXX % that the company requires. I just got off the phone with their customer service, and they have told me that they can not tell me the price of the appraisal ( even though I have to use an appraiser in their system ). I have to submit a letter requesting an appraisal, and then be bound to pay for it, without knowing how much it will cost me. I was told a supervisor can call me within 48 hours. It appears to me that the company is making it very difficult to remove the PMI and not disclosing appraisal rates. In addition, this year they paid my home insurance LATE out of the escrow account which created problems with my insurance company. My request is that I be given a cost for the appraisal before I request one from the company. I do not believe that their practice of requiring a commitment without knowing the cost is ethical.
I Was Charge for and Authorize Transaction From XXXX {$700.00} TD Bank opened a dispute and the dispute was denied there was previous XXXX Transaction and they there credited to the account and i never gave $ XXXX permission to charge my account TD Bank Denied My Dispute
I submitted a request for a free credit score in mid to late fall XXXX. When I received no reply, I submitted a second request on XX/XX/XXXX. Both times I included the requested copies of my Social Security card and driver 's license to verify my identity. To date, I still have not received any reply or a copy of my credit report. I contacted the reporting company ( Equifax ) via telephone on XX/XX/XXXX and was told no such request was on file and I should submit a third request, with supporting documents, to Equifax 's Dispute Dept. The customer service representative I spoke to was unable to provide any information on previous requests or how I could ensure my third request would be entered into their 'file. ' I found him unhelpful. A third request was faxed to Equifax on XX/XX/XXXX. Any assistance you can provide in ensuring I obtain a copy of my credit report would be appreciated. I am aware there are discrepancies on my credit report but can not address them without an actual copy of the credit report.
I sent XXXX, Equifax and XXXX a certified letter advising that XXXX XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my XXXX CLOSED ACCTS with XXXX then knocking my credit score down XXXX more points. This bankruptcy was filed XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. So to add that comment now after over XXXX yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have XXXX student loans when I consolidated into XXXX in XXXX if XXXX. I have proof all XXXX credit bureaus received my certified letters with signature required. And have done more damage now to my credit.
I've been making payments on my student loans for more than 5 years. Even though I've never missed a payment and I've only ever worked in public service, my loan servicer is crediting me with less than 2.5 years of qualifying payments towards public service loan forgiveness. The servicer, Pennsylvania Higher Education Assistance Agency, should give me credit for every monthly payment I've made since I've always been employed in qualifying employment while paying off my loans.
CAPITAL ONE 360 is utlizing an outdated or incorrect phone # verification system - I have online CREDIT CARD with CAPITAL ONE and never had any issue until I tried to activate a new CHECKING ACCOUNT, and during a list of security questions, they stated they " couldn't verify the Phone # with the account " now CAPITAL ONE has denied access to my online banking account WHICH ALSO HAVE FUNDS SENT FROM OTHER PEOPLE WHO ALSO CAPITAL ONE BANK VERFIED THE SENDERS and still wont give me access too my funds which means I can't pay bills i have had this phone # XXXX XXXX XXXX for _3__ years and utilize it daily for other credit cards and banking even for my current CAPITAL ONE CREDIT CARD account never had any issues until CAPITAL ONE BANK ACCOUNT activation process I can't access my current checking or savings account online or pay my bills
My personal details were potentially compromised in the recent Equifax Security breach in XXXX  2017.
XXXX   XXXX  . This has been going on since  XXXX . They contacted me by phone several times over the past few months, in which I requested written proof of the debt in question. I asked for proof and even went to dispute it, but I was told it was easier to pay it off. In which I have paid monthly payments of {$50.00} to {$150.00} and now find out that not only is the debt in dispute, the total amount was charged off and I do not owe any money and that it was paid by my insurance company. Not only am unsatisfied with their operation, practices, but false names false acquisitions and finally, They WITHDREW {$50.00} ON  XXXX / XXXX /  XXXX   YOU WERE NOT AUTHORIZED TO DO.   I do not have any responsibility for the debt they are collecting, I told them if I am responsible for this debt, mail me the documents that make you believe that. THEN THEY stop all other communication with me and with this address under  XXXX , and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and sent it to another DEBT Company and also would not indicate to them that it is disputed. reported it to a credit bureau, also report that the debt is disputed. I contacted the BBB, They have numerous slanderous complaints. They do this to people under different names. i even told them  THEY  were being recorded and they changed their name and hung up.     Thank you for your cooperation.   Sincerely,  XXXX   XXXX ,  XXXX .    XXXX  see :  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  https :  XXXX
XXXX XXXX, 2017 submitted disputes to XXXX XXXX and XXXX - as of today I have not been informed of the investigation results. I have not received an updated credit report, and I have not had anything that was disputed corrected.
I opened an account wit h Conn 's h ome furnishing at the end of  XXXX   XXXX .   I made sure I understood all the details.   I borrowed approximately  XXXX  dollars.   I made the first payment due on  XXXX  at the inception of the contract.   My next payment was due on  XXXX .    Conn 's  has attempted to reclassify my payment, even though I made it clear when the payment was made it was for  XXXX   XXXX .   Next , Conn 's ha s claimed that they can report to the credit bureaus unrealized and unowed interest as money I borrowed.   They just reported me as 30 days late, to the credit bureaus even though I have made all my payments timely to this date.   They are rude, disrespectful, uo to management, and refuse to obey the law, the FCRA, and feel their policies are greater than the law.
I have sent 3 letters requesting validation of this debt and I receive letters back stating this debt is mine and validated however I still have not received any documentation verifying this debt belongs to me and I have no knowledge of this debt. Need assistance in this matter. XXXX XXXX XXXX. Account Details Original Creditor : XXXX University Account # : XXXX Balance : {$0.00} Open Date : XX/XX/2013 I never received validation of this debt through email, phone call, United States postal service or by any other means. Therefore I am asking for written validation from the company at this present time telling me this is indeed an account that belongs to me. There is a XXXX  balance therefore there is not any money owed. VALIDATION means to provide Legal PROOF of this truth and accuracy. At this time this debt has not been validated therefore according to Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. Please validate this debt or have it completely removed from my credit reports My next step will be hiring an attorney to pursue a civil action against your company.
I wrote to XXXX XXXX to ask them to validate their claim that I owe them for this bill. They are not the original creditor and failed to provide a bill of sale and the original contract is with the original creditor. They failed to provide me with a bill of sale. 

XXXX XXXX is reporting on my credit file with all 3 credit bureaus that I opened an account on : XX/XX/XXXX, This is false. The original creditor is already reporting this debt. 


Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1600.00} Remarks Account information disputed by consumer, meets FCRA requirements
Payment arrangement set up with company to pay $ XXXX  monthly @ {$110.00} which was withdrawn on XX/XX/18 Today taking {$150.00} out in error and can not stop the deduction per company
SCA Collection is reporting 4 collection accounts on my credit report that should not be there. The account numbers are XXXX, XXXX, XXXX, and XXXX. All four of these accounts are subject of a medical malpractice lawsuit, and should not be reporting on my credit file. I have asked SCA Collections, and XXXX XXXX, to remove these accounts from report. So far, they have refused to take any action.
On XX/XX/XXXX, I borrowed XXXX from XXXX. Apparently in XXXX my loan was sold to Jefferson Capital and I was not notified. Jefferson Capital filed a judgement against me. They claimed on the judgement paper my loan had been in default since XX/XX/XXXX and my last payment was XX/XX/XXXX. On XX/XX/XXXX it was sold to Jefferson Capital. I was never notified of the new lender and now I have a judgement against me for this debt.
I am a victim of identity theft. The following accounts listed on my XXXX XXXX, Equifax and XXXX credit report is fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX, Line of Credit, XX/XX/2018, XXXX XXXX XXXX, Unsecured Loan, XX/XX/2018 2018
I received notification that a collection for an amount not owed was placed on my credit by Hunter Warfield. In XX/XX/2015, my wife and I were looking at moving to XXXX from XXXX and we reached out to XXXX XXXX XXXX. XXXX was the rep, and she told us that they had an apartment that might meet our needs that would be coming up. We had specific concerns due to having dogs and we were not familiar with the area. We were told that she could hold the unit for us for a period of 10 days if we filled the application and paid a {$99.00} application fee ( please see emails below ). We paid the fee and came out the week before XXXX. We were not happy with the unit and decided not to move forward. We told the agent that same day but followed up with XXXX on the XXXX. We never heard anything afterwards until we received a letter from Hunter Warfield. We never signed a lease or agreed to anything beyond the application. Hunter Warfield has not sent us any proof of the debt other then invoices from XXXX XXXX XXXX. The invoices were created weeks after we decided against the apartment and they weren't signed by us. The email that I will attach will show that at no time were we told of any fees other then the credit application fee of {$99.00} that we paid. 

The only proof that Hunter Warfield provided us after we disputed this was Internal Documents created by XXXX XXXX XXXX XXXX. Most were created weeks after we decided against the apartment. I have attached all the documents that Hunter Warfield has provided us with and none of it was agreed to before hand. Hunter Warfield claims that they don't have to prove that we agreed to the charges. They simply wouldn't remove the debt because their client want us to pay this amount even though we didn't agree to it.
I am asking you to have consideration of me, I had a work orientation but my condition is a little bad for this moment I am treating myself because my medical condition is not well ; I am having a lot of chest pains and I had problems in the past with my hearth and for that reason I cant continue with the orientation of the work because my health is first. 
I understand that it is my responsibility to comply with the car loan, it is my only transportation and I have frequent medical appointments, I am not refusing to pay. 
I 'm just asking you to remove all the late payments move it to the end of the loan, just defer all the late payments please to start everything without any problem in XXXX XXXX, since I had to make some mechanical work to the car.
All the below are on my credit report. How is this fair that they 1 ) have not contacted me 2 ) going by 3 different names and hitting and negatively impacting my credit report each month? 3 ) how is this legal for them to do? XXXX/XXXX/XXXX {$440.00} by credit control services XXXX XXXX/XXXX/XXXX {$440.00} by Credit collection services XXXX XXXX/XXXX/XXXX {$440.00} by ccs collections XXXX XXXX/XXXX/XXXX {$440.00} by Credit control services XXXX How do I keep these unfair and illegal activities happening to my credit report by these companies any further and I want these derogatory and illegal collections removed asap.
My husband and I have consolidated our loans and the consolidation company has already began payments, but one of the loan companies included in the consolidation keeps making harassing phone calls to both of us as well as friends and family. They have accepted the payment made by the consolidation company but insist on still harassing us in this manner. What can be done to stop them from calling not once a day but repeatedly throughout the day?
RE : Overcharging for Escrow Account Shortage Account According to the SLS Mortgage Statement for XX/XX/XXXX indicates that my monthly mortgage payment is {$2900.00} which includes {$1200.00} for my escrow balance. The {$1200.00} includes {$800.00} credited for my XX/XX/XXXX shortage escrow account and {$400.00} credited toward my current escrow for XX/XX/XXXX, this is the information from an SLS mortgage statement dated XX/XX/XXXX. The SLS online account indicates that the only escrow balance is {$750.00}. Why am I being charged more than the balanced due for my current XX/XX/XXXX escrow and XX/XX/XXXX shortage escrow account? 

I have contacted your customer service department a number of times and have not received an accurate response.

Your immediate attention to this matter would be appreciated.

~Concerned Consumer c : HUD Consumer Financial Protection Bureau ( CFPB ) Complaint Dept.
i have never used XXXX and do not know what XXXX is or why it say i owe {$110.00}
To Whom It May Concern : I am contacting you due to a predatory lending matter that we are the victim of for some time now regarding our church mortgage. 
Due to the highest and best use of the property, located at XXXX XXXX, XXXX, Alabama, the current lender, " Kirkland XXXX, '' is exercising a strong-arm tactic, more commonly referred to as predatory lending, to foreclose our property. The mortgage was originally with the lender, XXXX, and was unbeknownst to us up until the time of transfer, sold to another establishment, Kirkland XXXX. 
I have compiled a timeline of events that I think may give more reflection to my complaint. In XX/XX/XXXX, I wrote the President of XXXX, XXXX XXXX XXXX, concerning some concerns I had regarding our mortgage and payments ( see enclosed ). 
After writing the President of the Bank, XXXX XXXX XXXX, VP of XXXX, came down to visit us and took over our account. I have enclosed our payment history for your review. 
Initially, I believe the locals had a plan to try and take our property due to the current growth of our city. Our property is fixed between XXXX major companies that have moved to this area, XXXX and XXXX. We have more than XXXX square feet on XXXX acres of land. In association with these new companies are other companies that will supply them. That 's why I believe they started trying to take our property. 
Our church is located in a nontraditional facility ( used to be a shopping center ). We have been here as an active part of the community since XX/XX/XXXX, and since that time, XXXX, and more. We are truly a XXXX. 
Enclosed are the documents/letters I signed, up until the time of the sale in XX/XX/XXXX with XXXX, along with correspondence ( including letters and email communications ) from XXXX Investors. 
This has been a long and arduous process. It has been very stressful, due to the purchase of our loan, for one, by another lender ( XXXX to Kirkland XXXX ). This was due to XXXX selling our loan to Kirkland XXXX. They did not communicate with us at any time until they said our payments were in arrears. 
We are looking for immediate guidance and assistance in combatting this predatory behavior. Thank you for your assistance and support in bringing a positive and amicable resolution to this matter. Please feel free to contact me with any questions or comments you may have. 
XXXX XXXX XXXX XXXX, XXXX. 
XXXX cc : XXXX XXXX XXXX, Kirkland XXXX XXXX XXXX XXXX, Attorney General, State of Alabama U.S. Senator XXXX XXXX, XXXX, XXXX.
In the month of XX/XX/XXXX, I applied for a payday loan with Ace Cash Express. On XX/XX/XXXX, I received an email stating I was denied for the loan due to " poor loan performance with us ''. I have never obtained a payday loan before, and I have never applied for a loan with Ace Cash Express. I immediately began to think my identity has been used to obtain a loan. I reached out to customer service, and was advised they would not be able to look into why that reason was emailed to me. I explained I need to speak with someone, and customer service directed me towards a corporate email. I emailed the corporate email and never got a response. Till this day, I have yet to hear from Ace Cash Express on my identity fraud issue, if their is any in place.
I deposited several checks in my Wells Fargo checking account with the total deposit amount of {$3500.00}. The bank received the money and credited my account, however XXXX months later told me some of the checks were later lost and withdrew {$1500.00} from my account. Now I am required to figure out which checks were lost and I have to prove the checks were not honored and prove that Wells Fargo did not receive the money.
About 3 Or 4 mouths ago when I review me statement I fount transaction I did not made them I filed a claim and chase bank remove that transaction I found It again in my statement On XX/XX/2018 amount is XXXX it is for XXXX XXXX I contact XXXX XXXX company and asked them if I bought anything from the company or I have to pay anything to the company and they replayed that I did not made any transaction or bought anything from the company. ( please see the attachment ) I also contact chase bank about same transaction and the answered that the order is shipped to my address and it was under my name. 

I did not made this transaction and I did not receive anything The company which ( sold ) me said that they never sold any thing under my name
Hello, I'm currently an account holder with XXXX XXXX Carecredit. I was provided interest free terms for a medical procedure that involved monthly payments of about {$420.00}. 

The interest free period was for 12 months. However, the automatic monthly payments were set up -- surprise, surprise -- for a 13-month period. Sticking with their original monthly payment scheme would have resulted in one outstanding payment falling outside of the interest free period. 

So that would mean I would pay interest on the remaining balance of {$420.00}, yes? Apparently not. I was told by an operator last week that not paying the entire balance within the 12 months would have activated the interest being withheld on the entire balance -- not the outstanding balance. That interest amounts to about {$900.00}. Even if I had an outstanding balance of {$1.00} by the end of the interest free period, the balance owed would suddenly become {$900.00}. 

This is so predatory, so sneaky, and so manipulative that I can not believe it's legal. The end of an interest free period should only generate interest on the balance that remains -- not the original amount. And the 13-month payment scheme in conjunction with a 12-month interest free period is so criminally deceptive and predatory I can not believe it. 

Please investigate this practice and outlaw it forever. 

Regards, XXXX XXXX XXXX XXXX XXXX