WillisBack/dataset-financial-user-claim huggingface dataset:
I was a co-maker on the student loan with my son, XXXX XXXX. In XXXX 2015, I refinanced my home to pay of this loan in the amount of {$97000.00}. 
On XXXX/XXXX/2015, the loan statement sent by ACS gave a loan balance of {$96.00}, XXXX. I made a payment on XXXX/XXXX/2015 in the amount of {$97.00}, XXXX on this loan having refinanced my home. I now have received several calls ( XXXX 2015 and into XXXX XXXX, 2015 ) and bills dated XXXX/XXXX/15 ) stating I owe {$530.00}. In my many conversations with the representatives, I have asked for a detailed explanation of why I still owe this amount. I am very confused because the amount due on XXXX/XXXX/15 was {$96000.00} and payment of the loan through escrow on XXXX/XXXX/15 was {$97000.00}. Please help!!
On XX/XX/XXXX, Credco company called to offer to refinance my home. I told the representative and underwriter that i am on bankruptcy but without further understanding my case, they went ahead and submitted a hard inquiry. 

Pls block this inquiry as this misinformed staff just were as eager to get a transaction without considering to protect customers like me who are subjected to a 9 points hit on my credit score as an aftermath of this.
Your Credit ReportYour credit report contains information from lenders that have extended you credit. This can include your home mortgage loan, department store charge cards, bank charge cards, auto loan, and more. It also includes your payment history and shows when you 've paid on time or been late. Please check your report below and look for accounts you do n't recognize, strange addresses and recent credit inquiries to make sure all information is accurate. If there 's an inaccuracy, look to the Quick Facts section on the right and see how to file a dispute. 

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Salutations! 

I was wondering in the State of Wyoming, can collection agency re insert the same debt twice? I noticed this on XXXX XXXX, it was listed under two different names, MS LLC, and XXXX. Then in a about a month both disappeared from my credit score. Shortly after these events which was around XX/XX/XXXX. The amount was {$420.00}. 

I made arrangements with the company MS Services LLC, XXXX XXXX XXXX XXXX # XXXX, XXXX, WY XXXX to take {$110.00} per month electronically out of my bank account starting XX/XX/XXXX, and the have been doing so since then and my balance is down to {$110.00} as of today. 

On XX/XX/XXXX I got a notification from XXXX XXXX that the same collection agency MS LLC put a re insertion report for collections in the amount of {$110.00}. 

Is this legal? Can you investigate this? Do I need report them to the Consumer Financial Protection Bureau? 

Thank you for your time! 

Sincerely Yours XXXX XXXX
I received a letter dated XX/XX/XXXX from First Investors Financial Services , Inc. stating that my request for an Auto Loan Refinance was denied due to information obtained from XXXX, a consumer reporting agency. I did not, nor have I ever, requested an auto loan refinance with this company or any company. I purchased a new vehicle in XX/XX/XXXX and it is financed through XXXX and I have no intention of refinancing. I called the company today XX/XX/XXXX to discuss how this could happen, but was told they had no record of this under my social security number and that the social listed on the application was different, but they would not provide any further information. When I requested to speak to a manager, I was told I could not and that they would not provide any further assistance. I then requested my XXXX credit report to confirm if in fact an inquiry to pull my credit report did occur from this company and confirmed it had on XX/XX/XXXX. This is 1 ) an invasion of my personal privacy ; 2 ) damaging to my personal credit record/score and more importantly 3 ) a violation of the Fair Credit Reporting Act ( FCRA ) as this company had no right or legal " Permissible Purpose '' to pull my credit report. The whole purpose of this regulation is to protect consumers such as myself, so there must be action that can be levied against this company for misuse of their authority. I filed a dispute with XXXX today and have filed this complaint with the FTC and the CFPB in an effort to determine what I can do to prevent this from occurring again to myself or others. Thank you for your time.
I 've received multiple calls and faxes to my place of work from National Enterprise Systems ( XXXX XXXX ). The calls are regarding outstanding debt ( student loan ) from XXXX. I 've called multiple times to confirm that they ( NES ) have the wrong person, yet they persist on  calling/faxing my place of work. I also contacted XXXX to confirm that I do not have any outstanding loans through them, and they confirmed I did not.
Experian and XXXX XXXX  choose to automate their responses and limit their options and communication. It's frustrating to use a touch tone phone and not get the assistance needed. The lack of conversation is outrageous. Nothing is black and white especially when it concerns credit. 

Please address this.
XXXX / XXXX / XXXX  at  XXXX   XXXX  from phone numbe r   XXXX   (  XXXX  )   XXXX   XXXX    XXXX   attempted to collect a debt which I am already making payments on. The stated that they were calling on th e behalf of Army & Air Force Exchange services. This is starting up  I feel because I have in placed a formal review with  XXXX  for the negitive reporting done b y Army & Air Force Exchange Services  on  XXXX / XXXX / XXXX . It is being reported as a charge off balance unpaid account closed on  XXXX / XXXX / XXXX . I have been making payments to this company for awhile in the amount of {$170.00} plus they have received my p ast 2 ( two ) Federal tax returns. These payment are made directly through EFT to thi s company out of my  XXXX  check fro m SSN. How can this be legal for one and then to tell me that all my payments will go to interest. How can a company charge you interest on a closed, charged off account, all the while taking payments. Is this a violation of FDCPA 807.
I attended XXXX XXXX University XXXX XXXX XXXX, NJ XXXX for XXXX school and the only lender that you were allowed to borrow from was XXXX XXXX, now Navient. Since repayment started in 2007, I have paid {$31000.00} of which {$5700.00} has been applied to the principal. That means {$25000.00} or 81 % of my payments has gone to interest. At this rate, I will never be out from under this debt.
Belk company has the same account listed on my credit report twice. The amount due is the same yet different account numbers are noted. I have requested validation for each account and have not received any validation. Therefore I concur both accounts are incorrect and would like them removed from all 3 credit bureaus.
Hi, I got a letter from Ditech saying they were going to send some one to collect money in the amount of {$850.00} because of fees. I didn't even know I had fees because I pay my mortgage every month or every other week, in the case of biweekly payments. 

I signed up for biweekly payments from Ditech Financial starting on about XX/XX/XXXX and continued biweekly payments until XX/XX/XXXX. In total there were 43 biweekly payments. The first 18 payments were for {$780.00} each. The next 24 payments were for {$840.00}. The 43rd payment was for {$910.00}. 

I signed up for biweekly payments to pay down my loan faster. The company apparently however was holding onto my money and making payments every month. This was very deceptive and I just learned about it after XXXX them. 

In addition during the biweekly payment period I was getting charged late fees even though I was paying every two weeks. Right now I am in the process of communicating with Ditech about my apparent late payments, which they say ammount to {$850.00}. Each late fee was {$53.00}, so this amounts to 16 late payments.

Since my payments were being made on time every week, I had not looked in detail at my statements, where they were showing erroneously that I had late fees. 

The company Ditech Financial has since taken down the biweekly payment offering.
on XXXX/XXXX/XXXX I opened a citi bank account because I was going to switch from my current bank. I thought i was making the right decision. So, i opened the account online. Therefore, the card comes in the mail about 7-10 days after the account is opened. I wanted to transfer the funds I had in my current bank to the new Citibank checking account. My account was n't enabled for inter institution transfer so i wrote a check from my current institution to the new one. Check cleared everything is dandy, or so i thought! I found out today without notice over the phone that my account is in the process of being closed due to " fraud ''. I think this is complete discrimination. I did not commit fraud, nor have I ever. I had XXXX for 10 years with no issues. The representative supposedly said that I was advised not to do " self-self '' checks, she was very rude but I was NEVER told that. I only had the account for a week why would they feel the need to tell me that?
XX/XX/XXXX-XX/XX/2016 several fraudulent charges were made neither by my husband nor me, using my husband 's chase debit card totaling {$4200.00},. 

On XX/XX/XXXX and XX/XX/XXXX telephone transfers were made, neither by my husband nor me, moving money from savings to checking account to conceal the purchases. 

Chase continues to deny my claims stating that these charges were correct, even though I showed that we were not in the locations where the charges were made, that the signature used to make the largest purchases is not that of my husband. 

Chase refuses to disclose the following information : telephone recordings of the telephone transfers, whether the transactions were chip or swipe, whether PIN was used and whether it was set for this debit card. 
In their investigation Chase did not request CCV recordings from XXXX, where the largest transaction was made. 
This appears to be the case of identity theft. Chase, despite having resources to pursue the thieves, chose not to do so, and decided to simply deny my claims. 
I feel that Chase 's investigation was grossly inadequate. I have retained a lawyer, however, after my sworn affidavit and appeal were ignored by Chase, he informed me that further pursuit would be cost prohibitive. Chase is withholding information from me, which prevents me from getting justice.
I purchased an auto through XXXX XXXX XXXX XXXX. They also required me to send them the title showing they were first lienholder on the auto. I got sick had to move to a rehab facility and put all my furniture and paperwork in a storage facility. It was there for over 3 years. They never received it. They sent me a letter stating since I could not provide the Title to them. They were going to change my loan status to a consumer loan and charged me more interest, Which is what they did. I would like you to challenge XXXX XXXX and have them show you proof of title and proof of being first lien holder on the auto. They are presently showing a charge off on my credit report for an unpaid auto loan. Which is presently prohibiting me from refinancing my present car.
My credit card issuer, Citi Visa, assessed my account with a late payment fee of {$27.00} on XX/XX/XXXX that was a direct result of their online payment system being unavailable to access requests from XXXX. In speaking with their technical support services staff 1 day prior due date of about the issue they informed me that they were not able to provide an alternative and advised me to contact the Citi Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. 

On XX/XX/XXXX I contacted Citi Customer Service via their online Chat Service and spoke with an agent who informed me that they would not refund the late fee despite the online payment system availability and the assurances from their technical service staff and prior chat session representative. I attempted to escalate the issue by requesting to have a supervisor contact me to provide my chat session notes and the my account of all that occurred but the representative insisted they would not reverse the fee.
There is achatge of {$510.00} placed on my credit by, AFNI , INC . 
Address : XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account Number:XXXX, Original Creditor : XXXX That I do not recognize. I have requested more information on this account and disputed this item several times, but no changes as of now. Please help to identify this item and cancel, since it does not look familiar. Thank you
We believe we were the victims of bait-and-switch tactics on the part of Wells Fargo Bank ( WF ), and in particular its home mortgage consultant, XXXX XXXX. 
Initially, XXXX XXXX asserted that we could obtain a XXXX ARM at 2.625 percent if we put down XXXX percent of the purchase price. After competitive bidding, the purchase price was {$820000.00}, which would make the down payment {$240000.00}. The loan should have been {$570000.00}. 
We requested a 45-day escrow in lieu of what had become a customary 30-day escrow in the area. That request was agreed upon by the seller. 
As the requests for various documents flooded in from the bank, we became exasperated because the requests often duplicated themselves. At times, documents we sent them digitally would arrive and we would have to resend them because of confusion, the source of which we did not understand at the time and which we do not understand until this day. 
During the escrow period we had a terrible time dealing with WF because we were constantly shifted between XXXX parties, including XXXX XXXX. It often seemed that one person did not know what the other was up to. 
We were notified about XXXX weeks into escrow that we needed to show proof of funding. In other words we needed to show that we had liquid cash ready to pay the down payment. The WF staffer, XXXX, told us the amount was {$290000.00}. I asked how that was calculated, considering that XXXX percent of XXXX is XXXX. XXXX told me she would have XXXX XXXX call me. 
When XXXX XXXX called me he gave me this unbelievable explanation : WF calculated the amount of the loan it would provide based on the first bid we made on the home when we were competing with other buyers. That amount was {$770000.00}. And although the final bid was {$820000.00}, XXXX never raised the offered amount of the loan to XXXX percent of the higher amount. He pointed out that the loan offer of {$530000.00} is XXXX percent of the initial {$770000.00} bid we had made and {$530000.00} is the amount shown in our paperwork. 
Perhaps naively, when I went through the paperwork, I never thought to doubt XXXX XXXX 's word that WF would be providing us with a XXXX percent loan, which would have amounted to {$570000.00}. So while the eventual amount of the loan was {$530000.00}, we were being short-shrifted by {$46000.00}. 
It was our mistake to trust XXXX in this transaction and not check its numbers. Nevertheless, WF had no business basing the loan amount on an intermediary bid that had no substance in fact. 
As a result we were forced to sell {$46000.00} worth of investments just when the stock markets had taken a tumble. Most of these investments were dividend-paying equities on which we depend for income. So not only did we further deplete our resources but we were forced to reduce our income stream. Add to that that we will probably have to pay additional capital gains taxes on our sold investments. 
We believe that Wells Fargo 's - and especially XXXX XXXX 's - conduct was reprehensible and that they should be censored at the very least.
A law firm in Utah has mailed me a legal demand letter on behalf of a XXXX here in XXXX, TX. I have never been a member of this gym. I have never made an initial or continuing payment to this gym and I have never have been present on the property of this facility. My bank account and credit card records show no activity with either of these organizations. The Aldous & Associates , PLLC group claims I owe XXXX to XXXX XXXX XXXX XXXX. I have never received any formal mailed bills from this gym ever. This law firm attempts to extort me by asking me to pay them a {$50.00} amnesty fee to their firm in Utah and follow up with a 12 month membership at this XXXX I have never been a member with, then my fabricated debt will be forgiven. They threaten to damage my credit if I do not follow their directions. I have currently filed a US Postal Service Mail Fraud complaint and a XXXX complaint against this entity.
Starting XXXX XXXX, 2017, I was called by XXXX XXXX XXXX telling me that I needed to pay a loan that I received from XXXX XXXX XXXX XXXX. They were calling my job because they said that was the only number they had for me. They also asked for my address because they did not have it. I provided them with both my home number and my cell number along with my address because I thought they were referring to something else. In speaking with them I have received conflicting information on how they received the loan. I was told that they bought it from XXXX XXXX who in turn bought it from the state of Louisiana. XXXX has sent me numerous letters telling me that I must talk to them or they were going to garnish my wages. They have also called me on a daily basis threatening me with wage garnishment if I do n't set up a payment arrangement. I researched the loan in question with both Navient and the Credit Bureaus ( through XXXX XXXX ). All sources I have researched have stated that I do not owe on this loan. My balance with Navient is {$0.00} and I have no negative hits on my credit report because of this loan.
CMRE has credit reported XXXX accounts on my credit report without appropriately disclosing that adverse remarks were going to be placed on my credit report. I was never notified nor given the opportunity by either the original creditor or CMRE to pay my debt to them before it was sent to collections and subject to remain as an adverse remark on my credit profile for over 7 years. This long term credit score damage is severely crippling as a consumer, and subjects me to less than favorable terms for financing. 

This is an unjust practice that misrepresents my true credit worthiness. 

Since the integrity of the credit reporting system is important, errors like this should be resolved immediately and investigated thoroughly. On several occasions, I have documented communication with CMRE regarding there failure to properly disclose that I owed them any monies, that there clients also failed to send a bill, thus I was robbed of my opportunity to rectify this situation in a time frame that would have resulted in no long term credit damage. 

I have sent three written communications to CMRE explicitly detailing my concerns. One response was completely inappropriate and seemed like an auto-generated form letter that did not in any way respond to my concerns, and the other times they have completely ignored my requests. Therefore, I have no choice but to seek the assistance of the CFPB in order to have my concerns heard and resolved.
ON WEDNESDAY XX/XX/XXXX ... XXXX XXXX XXXX SENT A GARNISHMENT TO MY EMPLOYER. I DID SOME RESEARCH AND REALIZED THE JUDGMENT WAS DISMISSED. THEREFOR I WAS NOT RESPONSIBLE FOR THE DEBT ANYMORE. THEY ARE TRYING TO COLLECT FOR A JUDGMENT THAT IS DISMISSED AND THERE IS NO GROUNDS FOR THE GARNISHMENT. THERE IS ALSO NO JUDGMENT ON MY CREDIT REPORT HISTORY. I HAVE ALREADY EMAILED AND FAXED THEM A COPY OF THE COURT CASE THAT I FOUND ON OREGONS PUBLIC COURT XXXX
On XX/XX/2013 I took out a payday loan for {$4800.00}. This company is reporting {$5300.00} on my credit report. This account is in a collection agency. 
How can the report an incorrect amount? Under the Fair debt reporting act they are in violation and should delete this information.
On XX/XX/XXXX, I sent a certified letter to Allied Collection Services , Inc., ( ACSI ) regarding an alleged debt that I owe. I did not recognize the debt. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. A little over a week later, I received a letter stating they have contacted their client and they have confirmed the name and address listed on the above account. However, the correspondence date is dated XX/XX/XXXX and the date of the letter is XX/XX/XXXX BUT it 's post marked XX/XX/XXXX. How did they validate my name and address prior to me requesting a written validation of the debt??? I still have never received the written validation. In addition, Allied Collection Services , Inc., ( ACSI ) has reported this alleged debt to the credit bureaus without allowing me the opportunity to dispute the debt or providing evidence that they are the legal owners of the debt.
I have attempted to contact Ameritech regarding the payments I have been submitting to them monthly in the amount of {$99.00}. I also paid them document fees that were over {$1200.00}. I have been paying this company for years and this was a complete scam because I could have done the paperwork myself. I did do the paperwork myself. All they did was send it in for me.
Telephones Synchrony Bank to Payoff my Account with a Representative XX/XX/2017. 
They were given the Account Number including my check routing # to Representative however when Representative processed these 2 payments, it came back to Synchrony Unable to Process. 
I learned of this being Posted to All XXXX Credit Bureaus, Seeing the Account in Closed Accounts area with the Remarks " Account closed by Credit Grantor ''. I immediately telephoned on XX/XX/2017 to Discuss the Problem about my Account being closed. At this time I was informed about the Two Payments did n't Process. I inquired why I was not notified by phone or Email when I had made all payments to the account the same way. XXXX in the /customer Service Dept. apologized and Advised me it would be Corrected & sent out t All XXXX Credit Bureaus. 
Upon receiving my letter from Synchrony I went in to Check but only to Find that My Fico Score went from XXXX or XXXX and Dropped to XXXX?? WHY??? It appears that I try to go Forward Only to Find that I Go Backwards..!! Any Explanation as to WHY MY FICO SCORE DROPPED XXXX Points?? I would be Very Appreciative..!!
the company XXXX XXXX XXXX withdrew my mortgage of {$1200.00} twice this month first on XX/XX/18 and again on XX/XX/2018 the one on the 8th not being authorized. i then called them and they refused to help  citing i have to email them my bank statements and wait 5 business days to see if they will refund me the money which i need to pay other bills.
CITI IS THE WORST BANK EVER! They do no care about you as a customer. You are a sales goal! I submitted a credit card application for the CITI Simplicity card under falsely provided information. I was looking for a joint card for my husband and I. I was told this card is not available as a joint card but I could add an authorized user. He stated the authorized user 's credit is pulled, affected, and reported to the bureaus. The sales rep lied to me so that I would submit the app. When I called back to speak to someone to confirm the information I was given, the reps only gave me the correct info. No one ever apologized or tried to offer anything to make the situation better. No one could even tell me who submitted the app! I told the multiple reps I spoke to that the one who took the app lied to me, but no one cared. They all stated they could " document my concern '' but to who and for what, no one could answer.
My complaint is against the company that holds mortgage Bay view Loan Servicing. The company is very unprofessional and is always providing incorrect information and misplacing documents. However this complaint is reference to harassing collection call. My mortgage is due on the XXXX of each month and I have a grace period till XXXX of each month. Bay view begins making collections call on the XXXX. The calls are excessive 6 -- 7 calls a day every hour on the hour. I understand that the payment is late but this has to be some form of harassment. One call and a message is appropriate. Please contact this company about their collection call process.