WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I fell very ill, I defaulted on a XXXX XXXX personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by Resurgent Capital Services. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXXor  XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you
I have over 15 Inquiries that were not authorized by me. I have reached out several times in reference to the inquiries and it seems like I am going in circles and I would appreciate some assistance, Please! I have also added a fraud alert on all three credit bureaus for a third time. customer service would not help and take care of the negative inquiries reporting to my credit report.
XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE 60 DAYS NOTICE, AT XXXX XXXX BAD EXPIENCE XXXX I WAS NOT MOVING TIL XXXX DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE 2 YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX XXXX ; T KNOW FOR WHAT I PAID I. XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND XXXX OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...
Complaint number:XXXX, addition to complaint when talking to the discover card representative I asked her what was discover cards late fees and she could not tell me. She had to stop and try to calculate the amount they charged me on my account. This is very disturbing because on all my other bills including other credit card bills the late fees are the same every month. They do n't change based on who you are, or how much you make. If this is the case discover card can do what their doing now and charge me what ever they want that month. The XXXX to XXXX unwanted phone calls a day are also annoying, even after paying my bill for that month they still aggressively call my house and parents house trying to get me to pay them more money for that month and nothing going to the {$7500.00} balance that I have with them.
Company has been calling for several YEARS. Most recently this morning ( XX/XX/XXXX, XXXX XXXX ). They keep asking for XXXX XXXX. We have told them DOZENS of times there is NO XXXX XXXX or anyone even close at this number. There never has been ; we have had this phone number since the XXXX. We 've never heard of this person. We have told them this repeatedly and have told them many times to stop calling. They keep calling.
Comerica bank is close to making my excellent credit rating damaged by mis applying my early house payment to the principle only. The entire amount was applied to principle which then showed a no payment. This was in XXXX Of 2015. They said they fixed it but they still show me behind one month. Every month I talk to a supervisor and nothing is being fixed. Please help. I have always paid about 10 days early. I do n't know what to do next.
I opened a TJX account and in XX/XX/XXXX the account was sold to Synchrony Bank, at which time the account number was changed and a new card was issued. I began receiving statements under the new account number. In XX/XX/XXXX my husband paid off the balance on the account. I received a statement that said there was a balance of roughly {$150.00} remaining which I paid {$120.00} from my XXXX XXXX XXXX bill pay account. This account still reflected the old account number and somehow reactivated that old account. Instead of crediting the {$120.00} to the new account number the old account was debited {$120.00} and I began receiving statements claiming I owed {$120.00} and that the balance was past due. Although I know this was a mistake, I attempted to make payment so that my credit would not be ruined until I could get the issue resolved. The payments were returned to me stating that " no such account existed ''. I spoke to Synchrony Bank on multiple occasions and they assured me that they had rectified the problem and that I did not owe them an monies and that the account balances would reflect that. I last checked both accounts on XX/XX/XXXX and the old account reflects a balance of {$2.00} and the current account reflects a balance of {$120.00}. I have not made any purchases on this card since it has been paid off. They can not justify the charge of {$120.00}. I am seeking resolution in this matter before harm is done to my credit score. Please help.
The credit repair firm unauthorized my debit account XXXX times for {$13.00}. The initial amount to be debited from the account for the credit report fee was suppose to be only {$12.00}
Myself and the mortgage company have tried contacting Equifax on XX/XX/18 for over 2 weeks and at first they told me that they were having an issue with their system and it was down. Finally in the afternoon when the system was up they researched my name and couldn't find any information on me. Upon receiving the credit report via mail XX/XX/18 I called them back and explained it was not correct ( wrong addresses ) and was told that I need to send in my driver 's license, full name, address and social security card. I can see all three ( 3 ) of my credit reports on XXXX XXXX but Equifax can not find me.
On XX/XX/2018 I had funds automatically taken out of my checking account from XXXX XXXX twice from XXXX 's. There should have been one ( 1 ) payment of $ XXXX instead there was two ( 2 ) automatic deductions for {$260.00} taken from my checking account. This has not been rectified as of yet. 
The website for XXXX 's was having issues with the automatic payment when I initially tries to have the payment initially setup on XX/XX/XXXX. However, I didnt think it was completed. So, when I didn't see anything online under my XXXX 's account webpage or any acknowledgement I initiated a payment on XX/XX/XXXX for {$260.00} to be deducted from my checking account on XX/XX/2018. Then, two ( 2 ) minimum payments for {$260.00} each were taken out of my account. 

I disputed on XX/XX/2018 with my bank ( XXXX XXXX ). They, in turn had me sign dispute document five ( 5 ) business days later and fax it to XXXX 's. However, it has been ten ( 10 ) business days and I need my {$260.00} back into my checking account. 

XXXX 's was no help as they stated they had to see a payment first ( when I called on XX/XX/2018 ) when I initially contacted them via phone.When I called back five days later they showed no credit on my account. I need my {$260.00} and this process in the year XX/XX/2018 is unbelievable.
I have disputed and requested debt validation from Portfolio Recovery Associates on an account I found on my credit report. PRA has not sent sufficient debt validation after XXXX sent certified mail return receipt. PRA has continued to report derogatory information to all XXXX credit bureaus. PRA has also failed to notify XXXX this account was in dispute until after 60 days when I notified them of their error. PRA is in violation of the FDCPA and is not reporting accurate information. As a consumer I am extremely frustrated trying to work directly with PRA as their business practices are not ethical or accurate. I will continue to dispute this inaccurate account until my voice is heard and action is taken. Thank you for your time! XXXX
I made my mortgage payment to Ocwen on XXXX XXXX, 2015, early as I do each month. When logging onto their website to pay the XX/XX/XXXX payment I observed that it was passed due. I immediately paid the full amount due. When asking that a late fee of {$23.00} be removed the call center rep stated since the mortgage payment had never been late he would " permit me to speak with his supervisor. '' Although I provided proof that the loan had been paid on their website the supervisor refused to waive the fee. I then advised her she was to cancel my pending payments. They did n't care that they payment not posting was their fault.
I have called each bureau for a copy based on applying for XXXX card and being denied. Trans Union and XXXX is stalling and circumventing the rules by not honoring the laws in place to protect us against such practices. I need a copy of my reports expeditiously in order to address a current pending transaction. So please have the XXXX bureaus send me my copy based on the law of denial.
I have reached out to Southwest Credit three times via certified mail over the past three months. I have asked on all three certified mail letters that this debt is not correct and that I would like to have removed from my credit report. I have only had one letter come back to say that the dispute has been reported and that this bill is correct. I responded back via certified mail that I would like to know the procedure used to determine the accuracy and completeness of the information is requested within 15 days of the reinvestigation. I asked for names, addresses and telephone numbers of each person contacted regarding this alleged account. I also asked for any documents to be provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. I also made clear that any automated response or XXXX verification is unacceptable as verification. I have not received any such clarification from Southwest Credit to this day. This is clearly a violation of the Fair Credit Reporting Act and if not resolved, I will be forced to take action in a small claims lawsuit.
On XX/XX/2018 I made my last payment to plain green because they were charging many fees and I found out they aren't legal to do business in my state. At that point I had paid them the amount that I borrowed. My next payment would have been due on XX/XX/2018. On XXXX XX/XX/2018 exactly 91 days after my last payment was due plain green reported the account closed and charged off to my credit report.
I ca n't provide dates, but Wells Fargo has persistently charged me overdraft fees, when I explicitly declined overdraft protection when I opened the account. I have confronted them about this, but it continued until I stopped using the account. Now they call about the uncollected fees, multiple times, daily.
In XXXX XXXX following the security breach with Equifax I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX that Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...
I took out a venicle loan in XXXX with Car Finance.XXXX I received monthly statements from them until approximately XXXX, XXXX, at my previous address in XXXX. In XXXX, XXXX, I moved to XXXX and have sent my payment every month since then along with a letter advising of my address change ( see attached letter ). I have also contacted them by phone to advise of the address change several times. To date, I have never received a statement at my new home address. All I am asking for is a monthly invoice to be sent to me, and it seems impossible to get this from Car Finance.XXXX I have delapyed sending my payment in at times as I was hoping to get an actual invoice from them, so I think that any late fees I may have incurred since XXXX XXXX should be refunded.
I applied for a credit card through XXXX XXXX in XXXX 2016. I received a rejection letter originating from XXXX XXXX, Creditor dated XXXX/XXXX/16 stating that the reason for my rejection is as follows : CREDIT BUREAU REPORTS APPLICANT IS DECEASED. 
To quote XXXX XXXX, " Rumors of my death have been greatly exaggerated. '' I 'm not so interested in getting the card, but I would like my information to be accurate. What do I need to do to correct this?
This matter was previously filed under case number : XXXXThe merchant agreed to withdraw the disputed charges, but hasapparently reinstated these charges and has not closed theaccount as we had requested. 
Attached is their most current billing. 
We have not used this card since the complaint was made.
I recently received a copy of my credit report from XXXX and noticed that the seven ( 7 ) XXXX XXXX XXXX accounts listed has incorrect information listed. I returned to school from XXXX and received my XXXX degree. Then I returned from XX/XX/XXXX XXXX and received my XXXX degree. I applied for loan forgiveness and my application was received by the XXXX XXXX XXXX on XX/XX/XXXX and all school loans have been in forbearance since then. I noticed that beginning XXXX I was being shown as late with payments but as of XX/XX/XXXX I still had one more month to go before I was to begin to repay ( 6 mos. was not completed after I graduated ). As of XXXX my 6 mos. was not up AND I also was to be in forbearance until both the loan agents and myself are notified that the investigation has been completed. This is on all seven accounts and I am still in forbearance since XXXX so I am not understanding how this is being reported in this manner. I have disputed similar issues with them in the past but yet this shows up every now and again.
Per an Independent Foreclosure review conducted by the Office of the Comptroller, they concluded that Bank of America practiced " deficient mortgage servicing and foreclosure processes. '' This foreclosure review relates to the following Bank of America accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$32000.00}. I received compensation from the Office of the Comptroller as a result of this ruling. 
Pursuant to the Independent Foreclosure review performed by the Office of the Comptroller, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information on my credit report, which was based on " deficient mortgage servicing and foreclosure processes, '' caused me to be denied employment.
Altering of my original loan contract set up which is a sign contract that is being altered against my wishes with it 's biweekly payment with Ditech Financial LLC who purchased it from Green Tree who got it from other lenders! 

acc # XXXX with them The contract that Ditech purchased was set up with a biweekly contract which is now trying to be altered. If my thought is correct it is against the law to alter the signed contract of a loan. If you can show me how it is legal then I would appreciate the evidence. Also we went through this before when Green Tree had switched over. They did n't even offer biweekly but ended up honoring it in the end. Now Ditech says it is not what they will do any longer for it. Please advise quickly. Sorry for any errors or confusing statements, because I am still on a 1 hr+ call with them bouncing from department to department and no one has a clue why I was sent to them. " No one can handle the situation just mail a letter and hope we receive it to help '' Thank you in advance, XXXX XXXX XXXX
My car loan was sold to a finance company because the original seller went out of business. Ive asked for new contract or something in writing by mail explaining that the debt in fact has been sold.they refuse to give it to me. They constantly threaten me to seize property or garnish wages and say rude things when im only behind by a day or so. i also have proof.
I wrote the credit bureaus asking them to remove some late payment history from my credit report as the history reflecting on my credit report is causing a negative impact on my scores. The accounts in question is XXXX XXXX with A/C # s XXXX, XXXX and XXXXXXXX XXXX  with A/C # XXXX.
XX/XX/2018 American Express called my employer to speak to me about a debt. I asked them not to call my employer and they keep contacting me there. 
My co-worker informed me of a call at XXXX from a foreign speaking individual whom asked for me. Turn out it was the XXXX number from American Express.
I have no idea who SEQUIUM ASSET SOLUTIONS is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. SEQUIUM ASSET SOLUTIONS is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized SEQUIUM ASSET SOLUTIONS as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ SEQUIUM ASSET SOLUTIONS } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to SEQUIUM ASSET SOLUTIONS, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
I paid of my student loan account in the amount of XXXX on XX/XX/XXXX as part of my home refinance. A check was cut from our title company for this amount on XX/XX/2016. On XX/XX/XXXX, I checked in with the title company and they reported to me that the check had cleared their account and had been paid to Fed Loan Servicing. My online account with Fedloan Servicing still reflected a full XXXX balance remaining. I called FedLoan servicing to see if they could see a pending payment to my account to pay it in full. They checked my account and all pending payments as well as an additional accounts for payments received that are not associated with an account number and they were unable to locate the nearly {$50000.00} I paid to them. Because of this, I was left with no choice but to believe that Fedloan had mis-directed this money and a stop payment was issued and a new " urgent '' payment issued that same day, to prevent me from losing this money. The next day the money posted to my account. But then was removed due to the stop payment. It then took Fed Loan servicing 10 days to post the second payment to my account. In the meantime due to this mishandling of this account on the part of fedloan servicing interest in the amount of {$320.00} was allowed to accrue on the account. I attempted to resolve this issue and asked for a refund of this amount through the BBB but they responded that despite their error, I am responsible for all interest that accrues on my account until the balance is paid in full, which it would have been in XXXX of XXXX if they had appropriately handled the money and not withdrawn it from my title company 's bank without posting it to my account. In addition, the people that I have had the misfortune of dealing with at Fedloan servicing have been universally condescending, unhelpful and trite in their response to any inquiry I have made and most certainly in response to this complaint. This company is criminal and unprofessional and should not be allowed to service student loans. Or students should be given the option to move their debt to a more reliable and honest lender and not forced to deal with this unethical criminal company. If you have any ability to help me I would request that the interest allowed to accrue on my account between XX/XX/XXXX and XX/XX/XXXX be refunded. If not, I would request that my complaint be made public as a cautionary tale to other borrowers.
Since refinancing my home load with Amerihome Home Mortgage in XXXX, I have never missed a payment. In XX/XX/XXXX, I missed the payment. I am SURE that I went online to pay it ; but for some reason ( whether I didn't hit " submit '' or whatnot ) the payment was not made. 

I didn't realize that I have missed the payment ( again, I'd never missed one before ), until I went to pay my XX/XX/XXXX payment only to find that I owed 2 payment. Since I was unable to make two payments at that time, I paid my normal monthly payment, expecting to be able to " make up '' the balance prior to my XXXX payment being due. 

In mid XXXX, I again signed on to the Amerihome Mortgage website to make a partial ( half ) payment - only to find that it was impossible. I could not enter any amount accept the full monthly total. I then called Amerihome, only to find out that the customer service would also not accept a partial payment. I was passed around to several " service reps '' who each told me that a partial payment could not be accepted. 

I " saved '' my half payment - having to wait until my next paycheck. That paycheck falls on XX/XX/XXXX. I called Amerihome again to ask whether or not they would once again report my " delinquency '' to the credit bureaus - because I will have missed the " cut off date '' by one day. They happily said " yes! we report it immediately after 30 days! '' I find it incredible that a national mortgage company does not accept partial payments, not allow consumers to rectify an obvious mistake by making partial payments or avoid another serious black mark to their credit score.