WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I was contacted by XXXX XXXX XXXX, I spoke with XXXX about account number XXXX. I explained I was not working and was requesting a verification of this debit via my mailing address. XXXX told me I assure you that we don't mark up our debit, I asked again to get a verification breakdown of the original debit and how much it was bought for, again XXXX said he couldn't do that. I asked to speak to a supervisor and he transferred me over to his boss. I explained to him that I was not working and looking for a breakdown of how much it was bought for as well as the cost it was bought for by midland. The supervisor stated that couldn't be done since they were a third party collection. I proceed to let them know I would be disputing this account with XXXX. After speaking with XXXX I was notified that they couldn't find anything on my credit report and original account was made a XXXX dollar balance and sold for pennies on the dollar. I asked them why then I would be getting a pre legal notice and I was informed that It was a scare tactic or threat to get me to pay it. So I called midland back at the XXXX number, I referenced account # XXXX. I spoke with what I guess would be called a general phone dispatch. I asked to speak with dispute department in the Consumer Support Services department, He said I am not sure what you are referring to. Again I said I want to dispute this bill until I get verification on it. He transferred me to XXXX again who I told me I was willing to settle today for XXXX XXXX since XXXX told me the original amount was XXXX out and bought for pennies on the dollar, as well as a Verification and breakdown of the debit for how much it was bought for and to send verification to my mailing address. He transferred me to his boss who I previously spoke to. I once again explained to him that I wanted verification in writing sent to me and that I am entitled to that, if not provided with that I would be filing a complaint. I also offered to settle for XXXX  XXXX with the information that XXXX had to passed on to me, asked why it was a pre legal notification if it has not hit my credit report yet. The boss stated that's why it's pre legal so we can settle, I offered to settle for XXXX XXXX XXXX   that I had in my pocket after explaining to him I was no longer working. I asked once again for a verification of this debit. I was told no so he asked if I wanted to hear my settlement options I said no I want verification and to dispute this. To contact them I have to call XXXX they are based out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, however they call me from a Arizona number of XXXX. So like I have stated I wanted a breakdown of the whole debit I much the original debit was bought for in a verification letter of the debit sent to my mailing address.
XX/XX/XXXX We had a balance in our escrow account of {$1400.00}. We refinanced and instead of refunding the amount to us because they had just paid our taxes XX/XX/XXXX they applied the balance to the new loan. From our understanding we did not need cash to close. I asked the mortgage company about it and they said because we are refinancing with the same company they are allowed to use the escrow balance for the new loan. Is that correct?
I have reached out numerous times that this account does not belong to me and now I am being ask to file a police report just to get this removed from my account. I feel like this makes no sense why should I have to do so much on my end for something that I shouldnt even have to deal with because of something that shouldnt even be on my credit report. 

Account that is charging me {$420.00}
Navient has collected {$12000.00} from me over the past year in payments toward federal and private student loans. {$11000.00} went toward interest only payments and only {$700.00} has gone toward the principal balance. I continue to accrue > $ XXXX/month in interest. There is no foreseeable end to this repayment plan because my principle balance has not gone down. In the past, when I have not been able to make payments due to being in school or being in between jobs, they have offered me deferment plans that have only allowed my loans to accrue more interest. Each time I call Navient they are unable to offer me a viable repayment option that does not result in me continuing to acquire debt with them while paying > {$1000.00} a month.
XX/XX/XXXX I took out a car loan from a local car dealer, and was toldthat it was simple interest with no prepayment. To my surprise afterwards, and my fault for not reading the entire contract, there was a prepayment penaltySo with that said, I have prepaid the loan to {$.00}, but I am now gettingharassing phone calls from USBank telling me I am past due even though it isnot due XX/XX/XXXX. I have spokento more than a dozen USB representatives, trying to explain that I haveprepaid it, they acknowledge it, and even sometimes even embarrassed. Theyexplain, that there computer system can not handle the prepayment, andthat they will continue to call me. They state the only way that they will stop isif I pay the prepayment fee, which is not owed. How do I get USBank tostop the harassing phone calls?
I went and took out a loan with world accptance in XXXX ok. I took out insurance incase anything happen to the security i use to secure the note. about 6 months after i took the loan out i was in a flood and submitted pics and everything of the lost computer and electronics. they told me it would be handle in 30 days and the note should be paid off. 4 months pass and some random lady came to my house saying i owe them XXXX dollars. She remember me and said she did not know why the insurance didnt pay yet. so i call them and they said the branch manager didnt turn my stuff in and they change branch mangement right before this they did not have any supporting evdeince to file my claim
Our dispute to this account is due to the fact that we are not responsible for the original charges ( XXXX. ) and therefore are not responsible for subsequent charges generated by interest and/or contractual collection fees ( Valley Empire Collection ) as we were not living at the address responsible for generating the utility charges since XXXX XXXX, XXXX. During that time, the property was being rented to Tenants who were contractually responsible all utilities. Within a transmission to Valley Empire Collection ( XXXX WA ) were sent XXXX ( XXXX ) separate Residential Lease Agreements outlining the dates the property was rented. Further, particular attention was directed to page XXXX ( XXXX ), part XXXX as each agreement clearly stated " Tenant is responsible for the following utilities and services : Water, Trash and Recycling, and Electricity and Gas and is required to register the utilities and services in Tenant 's name. '' Finally, on page XXXX & XXXX ( respectively ) of the rental agreements we painstakingly highlighted that the tenant was responsible to contact / activate services " before '' taking possession of the residence and that they could NOT take possession until the services were " registered in their name. If they failed to do so before the lease began, the tenant was responsible for any maintenance and charges resulting. '' This agency has been reporting negatively to all major credit bureaus since XXXX which has continually damaged our ability to generate a good credit history / obtain acceptable interest rates on credit cards and even a favorable home loan. 
My last contact with this company to dispute the matter was XXXX of XXXX and now 7months later they are again attempting to collect the debt that is clearly not ours.
I disputed the validity of a public record item I had noticed on my credit report and Equifax deemed it as Released/satisfied and this is not correct or true at all. I have never and will never satisfy a {$120000.00} lien. this is ludicrous. I have never been obligated to pay any type of sum and there is no such lien against me, this IRS lien was settled for just und er ten thousand  many months ago and it no longer should have any thing to do with me. This is inaccurate and illegal. the connotations of this appearing on my credit report and damning my financial life and I have not been able to financial recover. I politely disputed this and they claim to have verified it and its status yet it is grossly incorrect and fabricated. this lien is invalid and illegal labeled and appearing on my credit report. It must be removed immediately or I will seek legal action. There is ABSOLUTELY NO WAY this was verified as it does NOT exist!
I have an open loan with XXXX XXXX XXXX XXXX because XXXX refuses to give XXXX XXXX them the title. The problem now is, I need XXXX XXXX to apply the loan payment to XXXX   XXXX XXXX XXXX or they need to unwind it, which isnt something desirable for either party.
I checked my credit report as of X/XX/2018. Equifax have repeatedly put my older brother 's credit information on my report, and this happened many times before. I have disputed this kind of problem many times now, and I am getting tired of getting the same problem every time. I do n't have this problem with XXXX and XXXX, so why is n't Equifax doing their job?
Capital one issued a debt collection/charge off account on my credit report ( XXXX, XXXX and XXXX without verifying the debt and a contract with my signature. They poated the report to all three bureaus without notifications me of the debt. I advised that this was not my debt.
Earlier last year an account popped up on my credit report that I did n't owe. When I tried disputing the account through the credit agencies, I got some letters back stating that I owed this money. For months I tried to fight it and could n't get anywhere so I hired a company a few months ago called XXXX XXXX XXXX to look into this debt for me. 

Back on XXXX XXXX of 2015 XXXX, who I will refer to as XXXX, sent the collection agency NCC Business Services my authorization to speak directly to them. A few weeks later XXXX. tried calling NCC so they could discuss the account and NCC kept giving them the run around about how they had n't received the authorization. Finally on XXXX XXXX a representative named XXXX from NCC answered the call and spoke with my representative XXXX about the debt. My representative asked for debt validation and an itemization of the debt. He was given an e-mail to ask for this validation and itemization. My representative did so and has awaited for this itemization. He was told 3-5 business days as a time frame to receive this itemization and he never received it. 

On the XXXX of XXXX my representative then called NCC again as he had not received the itemization and re-requested it. again he was given the same e-mail as before which is XXXXXXXXXXXX. Again he was told to request the itemization by e-mail from a representative named XXXX. Again he did so. He was also told by the representative XXXX that no prior e-mails were received by his company even though the e-mail provided was confirmed as the correct one. XXXX also reiterated that it would be 3-5 business days to receive this e-mail. 

On XXXX XXXX my representative called once more as he had not received anything again. He got into an argument with the collector as again he was being told that no request for itemization was ever received or " uploaded into the system. '' Because they had failed to provide the itemization within their own allotted time frame, and because they were n't even acknowledging that they had indeed received a request for validation, I am now submitting this complaint to you so you can look into their failure to adhere to the F.D.C.P.A. they are jeopardizing my credit and they ca n't even prove that this debt is mine! 

I will provide you with all the e-mails and phone calls my representative forwarded me so you can see that NCC Business Services is not doing their job properly and breaking the law by reporting an account they ca n't validate.
I had a XXXX XXXX credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.
On XXXX XXXX, XXXX I asked my husband to make a payment to my Wells Fargo personal line of credit. I gave him {$260.00} dollars to do so. My husband is not a joint account holder. He went to the Wells Fargo branch located on XXXX XXXX XXXX XXXX XXXX, AZ XXXX. He gave my account number to the teller advised her he wanted to make a payment for {$260.00}, which she refused. The teller proceeded to tell my husband thats the amount due to bring the account current was {$390.00}. My husband was not aware the line of credit was past due. Not only was that information innacurate but she made my husband aware of the delinquent status of my account. This is unacceptable. I have that right to privacy. This created an argument in my household that could have been avoided had my privacy been respected.
They mailed me a letter. I mailed them two letters. They placed this account on my credit reports. I requested legally binding verifiable proof and they ignored all of my requests but still placed this account account on my credit reports.
Our loan was transferred from XXXX XXXX XXXX to Seterus. After a few months with Seterus, the loan was modified to a XXXX year, 4 % loan, adding back the delinquent interest from the B of A loan. 
Since then, the extra principal payments have not been applied in a timely manner, and the interest charged has not been reduced by the extra principal payments. 
My amortization of the loan shows that we should owe {$12000.00} less than Seterus shows.
XXXX is reporting accounts that was open up fraudently in my name and refusing to remove them. Three XXXX XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. One XXXX XXXX  open XX/XX/XXXX, One XXXX XXXX open XX/XX/XXXX. 

They are also reporting address from XXXX XXXX, IL that do not belong to me.
XXXX XXXX are reporting on a XXXX XXXX debt on my collection report. A different agency by the name of CBE Group are now reporting the same debt as well. This debt is for XXXX XXXX XXXX. I 've spoken with a rep with CBE Group the first week of XX/XX/XXXX and paid {$87.00} owed for services, the remaining balane of {$170.00} I advised her I did not owe because I had already returned the service equipment. I am no longer liable for the debt with CBE Group or XXXX XXXX, and under no circumstances should two collection agencies be reporting on the same debt.
AMERICAN EXPRESS CALLED CELLS, WORK AND FAMILY MEMBERS ABROAD. WE HAVE GATERED ALL PHONE RECORDS, RECORDINGS ETC..
It appears that Midland Funding ( original lender ) has either sold the debt I incurred with them or has a collecting agency working for them. The debt is at least XXXX years old. I am currently in Chapter XXXX bankruptcy. XXXX XXXX ( asserting to have a corporate office in XXXX ) calls and their number comes up on my caller ID here at work as a local number ( XXXX ) XXXX yet there return call is ( XXXX ) XXXX, ext. XXXX, XXXX XXXX and the voice mails are they are going to serve me either at work or at home, once I answered the call and they wanted to speak to my supervisor. On another occasion, my attorney and I both called them to inform them of the pending bankruptcy and which they replied that pay day loans are not eligible to be listed in bankruptcies ... I 've faxed them a copy of my bankruptcy petition yet they continue to call and leave threatening voice mails. We 've asked them to provide us a mailing address and they have refused. Please contact them to verify the debt and advise them of the pending bankruptcy and they are violating the automatic stay afforded to me by the United States Bankruptcy Code. You can verify my case on the XXXX XXXX XXXX XXXX, XXXX Division, website, Case No. XXXX.
Issue : Santander Bank thinks I owe them 2 payments ( which were paid through bankruptcy discharge ) Upon selling my loan to XXXX, payments were fraudulently applied to make loan current and now XXXX says I am one payment behind. Proof can be found by ordering a payment history on the mortgage servicers end. Negative reporting must stop immediately and my account needs to be corrected. I am not missing any payments. Late fees need to be reversed and correction of payments made. Thank you. 

Facts of the issue : *Bankruptcy filed XX/XX/XXXX case number XXXX *XXXX XXXX   claimed XXXX through the bankruptcy and was paid XXXX by XXXX XXXX, trustee . No late fees incur for 2 years because they know its related to bankruptcy. 

*Bankruptcy discharged on XX/XX/XXXX *Mortgage Statement dated XX/XX/XXXX states I owe Santander Bank XXXX . I order payment history, and write letter after receiving it which showed me as current and never missing a payment. I demanded a review, correction and removal of negative reporting. Written request went ignored. 

*Santander applies a payment to make loan current XX/XX/XXXX in order to sell the loan to XXXX . I am now incurring 2 months of late charges and am being reported as late when I am not. 

They have ignored my 2 prior requests vie mail to resolve this and have also given me the runaround via telephone for 2 years.
In XXXX XXXX  2017, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I didn't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XXXX XXXX 2017, I sent goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved. 

I tried to get this issue resolved already by contacting the company directly and submitting a complaint to the CFPB directly. Both of those were unsatisfactory and I would like other entities to investigate this matter, if possible. I have documentation from a representative of XXXX stating that the late payment was refunded, therefore implying that the late payment is inaccurate and needs to be removed from my credit report immediately. Additionally, I contacted the company to be informed of their relief efforts of victims of Hurricane Harvey and was not given a direct answer. This is not proper customer service. 

Finally, their response of saying that they are unable to remove it is blatantly false and should be investigated. I have had other credit card companies able to remove the payments from the reports, so them saying they are unable to modify is incorrect. Please investigate this company and my matter to the deepest extent possible.
this account was paid in full and close buy the consumer please removed any negative information from this account. 

XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid or paying as agreed Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$5000.00} Past Due Amount - High Balance {$6300.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments
They are allowing XXXX XXXX to duplicate an account that was originally XXXX. They are also allowing them to re-age it.
I received an email stating that XXXX had an data breach and that I need to contact all three credit bureau about disputing items off my credit report. The email gave me a link that I can click on and put my information in to see was I an victim of the breach data and it came back stating that my information was taking. Here are the following inquiries on my credit report that I have notified TransUnion about and they have transfer me over the Fraud Security department. I talk to an Supervisor and she stated that she could not remove the items off my credit report. Here is the information that I 'm disputing : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX  XX/XX/XXXX 4. XXXX/XXXX XX/XX/XXXX 5. XXXX/XXXX  XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX/XXXX XX/XX/XXXX 11. XXXX/XXXX XX/XX/XXXX 12.  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX 14. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
I opened this prepaid card with capitalone I put all the money on the card myself when I WANTED to increase my balance I would put money on the card and hit credit increase then they applied it as an increase and not a payment few months into having the card I ask if they do credit increases using their money they said we do n't give credit increases on prepaid cards I said ok. I put my own money on this card thinking that if I increase my own credit it would help my score so later about a year I wanted to close the account so I spent all my money on the card after they got their monthly fees then I got a statement saying I owe them XXXX dollars that they put on my card well I could n't believe this cause they never put any money on my card they made that clear at the beginning that they do n't do increases on prepaid so their contradicting their self I do not owe them a single red penny and I will not be ripped off because they know that I 'm trying to up my credit score so I guess they think they can rip me off cause they think I will pay so it does n't ruin my credit their wrong I will fight this to the end I do not owe them thank you please help with this.
I made a payment of {$1000.00} to be applied to principal in addition to my regular mortgage payment XX/XX/2016. DiTech financial applied as an additional mortgage payment, not to principal. I 've contact them via telephone and email and they simply send me letter telling me that they are reviewing the matter. They still have not applied the additional payment to the principal as of XX/XX/2016.