WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for and received XXXX student loans from Navient ( then XXXX ) in XX/XX/XXXX and XX/XX/XXXX. XXXX were Stafford loans, totaling {$18000.00}, disbursed to me in XX/XX/XXXX and XXXX were Graduate PLUS loans, totaling {$11000.00}, disbursed to me in XX/XX/XXXX. I applied for forbearance multiple consecutive years in a row because I knew of no other option. I was earning approx. $ XXXX/year without benefits, supporting a household of XXXX people. I called each time and let them know I could n't afford the $ XXXX+/month payments, and I was never told that I could pay must less and avoid the high interest of forbearance by being on income based repayment. I was always pushed into forbearance because they said they could even submit it for me over the phone without me needing to send them any documents. I was always immediately approved. This past year because I was unable to purchase a home or do anything without worrying about this loan hovering over me, I paid off the loan in full by borrowing from family and savings. My complete payment on the original {$29000.00} balance was approx. {$54000.00}. {$25000.00} in student loan interest on a loan that could have entered income based repayment which would have been to my benefit. I do n't believe Navient should be entitled to reap the benefits of their deceptive practices against me and that a considerable portion of the interest payment should be reimbursed to me. Any help you could offer me in this endeavor would be greatly appreciated.
I have disputed the issue with the credit reporting company and received NO response other than we will send it out today. We paid a judgement off XX/XX/XXXX and have not been able to be released on the lien/credit report as no Satisfaction of Judgement has every been received by myself, my wife, representatives or the courthouse. Please see attached letter to them for information on steps we 've taken to take care of this. This has been an ongoing battle for close to five years, but more recently more aggressive in obtaining it due to escrow. XXXX XXXX was attorney for Midland/MCM ( Collector ) for XXXX the original debtor. 
MCM # XXXX ; XXXX # XXXX ; XXXX XXXX ; XXXX Superior Court Case # XXXX FYI : XXXX XXXX mishandled many clients XX/XX/XXXX according to many articles online.
Back in XXXX, 2015 I pulled my credit report and I notice XXXX debts on there from Enhanced Recovery Co. XXXX for {$99.00} and XXXX for {$130.00} I know for a fact that I did not owe these debts so I wrote a letter of dispute and asked for validation of the debts. After doing some research online I offered to settle the debts just to have them remove from my credit even though I know I do not owe them. I wanted to improve my credit as I am trying to purchase a house within the next two years so I figured I could get rid of them since they are minimal for my piece of mind. I verified Enhanced Recovery Co. address and I sent the XXXX letter of dispute asking for validation of the debts on XXXX XXXX, 2015. I waited 30 days for a reply but I did not get one. I sent a XXXX letter on XXXX XXXX, 2015 and as of today, XXXX XXXX, 2015 I have received no reply which shows me that these have no proof of these debts and are ruining my credit for no reason. Since these so called bad debts can not be proven I can only assume that these debts are not valid especially since I have never had service with those companies.
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have a car loan with XXXX  XXXX XXXX that has always been billed via paper statements. That said I have NEVER been late with them on any loan payment EVER. A few months ago they stopped sending paper statements which caused a 30 late on my credit report. I reported to them multiple times that I NEED to receive paper statement in order to pay bills on time ( this has never been an issue ever from them ). They agreed that the changes to the statements must have happened in error but can do NOTHING to aid me in fixing the issue with my credit report. The reps on the phone proceeded to berate me and say that it was my fault and that they are under NO OBLIGATION to ever send me a paper bill and that I must send payments on my own. They proceeded to hang up on me after telling me that I should take better care of my credit. I'd like to note that because of the error with statements I have made it a point to prepay 2 months in advance while this is being fixed and continue to stay ahead as the error with statements has not been rectified.
On XXXX XXXX, XXXX I called 5/3 Bank to have the reverse a payment to the principle of my mortgage in the amount of {$1100.00}. When they processed the curtailment, they processed incorrectly of {$1100.00} and additionally reversed the payment, of {$560.00}, on my mortgage for the month of XXXX. At that time, I did not realize the reversal occurred. My XXXX mortgage payment was auto deducted from my account of XXXX XXXX with no issue. On XXXX XXXX, I received a phone call from the 5/3 Bank collections department stating my mortgage was one month past due. Clearly I was shocked to hear this. I tried to correct the problem on this phone call on XXXX XXXX. I was told I was unable to make a payment at this time because they were closed. I called back to the customer service department on XXXX XXXX to fix the problem. I made the payment to make my mortgage, in 5/3 eyes, current. I explained my issue over the phone and filed a dispute against the delinquency that was now on my credit report with the 5/3 representative. I filed this complaint on XXXX XXXX. I called XXXX XXXX to follow up on this process and was told it was still pending. On XXXX XXXX, I called again to follow up on the progress and was told it was denied. The representative I was on the phone with recognized my issue and could see that it was bank error. I was told that a supervisor in the mortgage department was going to be reviewing my phone conversation from XXXX XXXX and I would receive a call the next day. I never received a phone call, so I called on XXXX XXXX to find out that the supervisor that was supposed to review the call was not working. I was directed to a customer service supervisor that told me he was going to follow up on my issue and call me back the next day. Again, I received no phone call. I called XXXX XXXX to see if there was an progress on my issue. I was put into the voicemail of the original mortgage supervisor that was supposed to review my call. By end of business on XXXX XXXX, I still had not received a phone call back from anyone at 5/3. I called again right before XXXX est and was directed to a different supervisor in the mortgage department. She stated she would file the request again for the call from XXXX XXXX to be reviewed. Additionally, she escalated my issue to the office of the president. I called back on XXXX XXXX to see where this process was. I was able to speak with the individual in the office of the president. She started that it would take 15-25 days to review and respond to the case via email. She was extremely rude and could have cared less about this issue and the fact that it had been pending for 2 weeks at this point.

I am in the process of trying to get pre-approved to purchase a new home and because of 5/3 Bank 's error I am unable to move forward in my pre-approval process. 

I am seeking an end resolution that this delinquency be removed from my credit report so that my husband and I may buy a new home.
U.S. BANK STILL CONSTANTLY SHOWING DISHONEST STATEMENT TO US AND OUR ACCOUNT TRANSACTIION. DATE PRINTED OUT STATEMENT XX/XX/2019 BY XXXX. DEEMED TO BE HOLD ON TRANSACTIONS FOR MONTHS JUST TO DEDUCTED MONEY ILLICITLY SOMEHOW FROM OUR ACCOUNT PERHAPS. 
CHARGING FOR ATM PRINT-OUT IS RIDICULOUS & RIDICULE, WE WERE TOLD, THAT NO CHARGED OF ANY KIND WITH OUR ACCOUNT. BUT, TODAY XX/XX/2019 CHARGED A {$1.00} DOLLAR FOR A PRINT OUT AT U.S. BANK INSIDE XXXX XXXX. SOME OF THE WORKERS INSIDE STORE U.S. BANK DEEM TO BE CROOKED EMPLOYEES. MAJOR CONCERNS.
Capital One is requesting a high minimum payment of XXXX, the account is past due and has been, which I understand. However, this amount is too much to pay and is more than my weekly paycheck, it will have to be lowered. I did attempt to have this amount lowered by speaking with numerous reps, all were in the collections dept. They are more interested in making a payment arrangement than actually lowering amount due, an arrangement is just to get some payment out of me regardless if any additional fees or assessed. Please advise them payment amount will have to be lowered.
I have sent several certified letters to XXXX, Equifax, XXXX   and XXXX multiple times starting XX/XX/2018 to XX/XX/2018 asking them to verify the Chapter XXXX Bankruptcy information in my credit reports. The response I get from them is a letter saying that they verified the Bankruptcy, or it was certified by the Bankruptcy Court, and that it is valid per a third party source. I sent another letter requesting documentation for accuracy, and I still get the same response saying it was verified. So, I sent a certified letter to the courts asking for information on them reporting to credit reporting agencies. I received a letter back from the Bankruptcy Court stating that they Do Not Report, or Verify any information to Credit Reporting Agencies. I then sent the letter I received from the Bankruptcy Court to XXXX, Equifax, XXXX and XXXX, and they still comes back with the same response, that it was verified. So, if the court did not verify or report the information it should not be reporting on my credit reports.
On or about  XXXX   XXXX ,  XXXX  Equifax arbitrarily deleted all information on my credit report with the exception of  XXXX  accounts. Approximately  two  days later all the accounts and their corresponding information was re-inserted onto my credit report without their notifying me of this change or demonstrating that re-inserted information was verified.     On or about  XXXX   XXXX ,  XXXX  I notified Equifax of this issue, by certified mail, and it appears they attempted an investigation, but upon checking the investigation status it shows " N/A ''. They have provided no information as to the outcome of the investigation nor have they removed the inserted records.     From my understanding the FC RA, Section 611, a c redit reporting agency is to provide written notification of any records that have been removed and subsequently re-inserted, along with providing documentation indicating how the information was validated. Equifax, in this situation, clearly violated the FCRA and has appeared to have ignored my request to investigate the matter.     Attached is a copy of letter sent to Equifax in  XXXX   XXXX  along with copies of my credit report indicating that all information was removed, then reinserted.
XXXX XXXX AND ITS COLLECTOR KEEPS CALLING AND COLLECTING ON A FRAUDULENT DEBT.WITH MERCHANTS AND ARE FALSY REPORTING ON MY CREDIT REPORTS.0.
I'm a supervisor with XXXX XXXX XXXX 's customer service contact center. We are getting calls from Allied Interstate to individual call center representative 's desk phone who is not the person they are looking for and this is a business number. We have advised them several times that the number is incorrect and this is a business and to stop calling. However they continue to call which is affecting our business negatively. The numbers they are calling from are as follows. 
XXXX XX/XX/2018 around XXXX XXXX XX/XX/2018 around XXXX XXXX XX/XX/2018 around XXXX Other dates called XX/XX/2018, XX/XX/2018
On XX/XX/2018 I disputed incorrect information on all three reports. My date of birth was incorrect it was a month off and I asked them to correct it. I also disputed incorrect information on the credit card and auto loan accounts that are on my report. I have paid these accounts off and they are still reporting incorrectly on all three reports. The credit reporting agency refuses to remove these inaccuries and keeps telling me that the information is accurate and complete and fails to tell me the method they used to verify these inaccuries.
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by CBNA/Best Buy of a fraudulent application submitted with her information without her consent in the name of XXXX XXXX. An official dispute of this application was mailed certified with return receipt to CBNA/Best Buy, XX/XX/2018. As of this date CBNA/Best Buy has failed to remove the information and have not provided any information concerning the investigation into this matter, this inaction is a violation of FCRA.
Profit Service Group is reporting a collection on my credit report on a debt that was paid to the original creditor.
During XXXX of 2017 I attempted to close my credit card with XXXX XXXX ( XXXX XXXX XXXX ). 
I had a credit balance and they refunded the balance by check but would not close my card. It has affected my ability to open a credit facility with another bank. 
I called them today and asked if I could record the call where they would close the credit card. They said because I had asked to record the call they had to hang up. 
To my knowledge the card is still open.
I have no idea what this is for, I have tried to request validation and nothing. I did not go to the doctors in  XXXX    XXXX  . This is inaccurate information listed from this company  Commonwealth Financial  {$170.00}
Reviewed my credit report and saw some enquiries that I did not authorize, some of which are reporting two times. 
. 
XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX   Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX/XXXX & XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX   XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX/XXXX  XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX   Inquiry Date..XX/XX/XXXX XXXX  Inquiry Date..XX/XX/XXXX
RE : EBAY ITEM XXXX I am having a problem with the billing for this item. When I checked out at purchase I was given XXXX billing options. I very carefully selected the '18 months, no interest billing option. This is very clearly shown on this auction listing. 

However, when I received a purchase confirmation from PayPal credit the payment terms were stated as '6 months '. I understand that PayPal credit does not normally currently offer promotional financing longer than 6 months. I presume this was a 'black Friday ' special promotion. That is why I completed the purchased at that time. 

I have spoken with PayPal credit, PayPal and Ebay several times. I forwarded to PayPal credit a screen shot of the listing showing the payment terms. On XX/XX/2015, PayPal credit initially told me that I did not qualify for the 18-month payment terms. This was not what communicated to me in any way when I checked out. I have instances where a transaction could not be processed by PayPal credit. I know what those messages look like. I would not have confirmed the sale for any other payment terms. I actually could have purchased the exact same item elsewhere for less money at 6 months, no interest. Upon further contact PayPal credit stated I did not select 18-month terms at checkout. I most adamantly state that I did. 

I believe changing the terms of a sale after close is a fraudulent business practice.
I terminated the lease I had with Mazda Capital Services ( JP Morgan Chase Bank ) in XXXX XXXX due to a total loss. I followed all appropriate steps of notifying my auto insurance and Mazda Capital Services ( MCS ) and the claim was filed and funds transferred within a couple months. 
In XXXX I received a bill from MCS for $ XXXX. I called to inquire about the bill and MCS told me they showed no balance due and my account should be closed. Then they sent me a paid in full letter. All of this is documented through conversations with MCS and documents I uploaded to XXXX Auto Insurance. One month later I received another bill for the same amount. Again I called MCS who informed me there was zero balance, again told me they would close my account, and again I received a paid in full letter on XXXX XXXX, XXXX. 
In XXXX XXXX, I received another letter, this time from United Recovery Systems claiming I owed MCS / JP Morgan Chase Bank over {$900.00} and was delinquent in paying it. I called MCS, who only told me my account had been transferred to the collection agency and when I asked why I was forwarded to voicemail, to which I have not heard any response from. I then called URS myself to learn more. URS told me that this $ XXXX debt is completely unrelated to the {$700.00} previously communicated to me and that the only information they had about the charge was that it was an insurance deductible. I confirmed with XXXX and MCS that I have no outstanding payments for my insurance ( in fact XXXX also thought the claim was closed ). 
I did not get any notice of this $ XXXX debt from MCS or Chase Bank before it was considered a " long outstanding '' debt and I have been very communicative about any other written notices received. 
As I have not been given any real reason as to why this debt is owed and I have been told numerous times that my account is paid in full and I have zero outstanding insurance payments or deductibles I am disputing this charge. I have already sent notification of this by mail to Mazda Capital Services, XXXX, and the Office of the Texas XXXX. I wish to submit my complaint and dispute here to official record it with the CFPB and ensure it is addressed. Thank you!
On XX/XX/XXXX was transported via ambulance to XXXX XXXX XXXX Hospital in XXXX XXXX, XXXX  following chest pains with difficulty breathing. Was discharged after receiving medical care. Approximately 1 month later ( statement date XX/XX/XXXX ) I received a bill with total charges of {$2600.00} for services provided, but didn't actually see the bill until 2 weeks or so later due to work issues. After insurance payments and adjustments my financial responsibility for the bill was {$260.00}. 

On XX/XX/XXXX I began making {$25.00} per week payments, electronically, directly through the hospital 's payment portal ( XXXX XXXX XXXX ). These payments have continued thru XX/XX/XXXX ( every Thursday, which is my pay date ) so that I have now paid a total of {$250.00} toward that {$260.00} bill. 

On XX/XX/XXXX ( statement date ) the hospital sent the remaining debt, at the time {$61.00}, to a collection agency ( XXXX XXXX, XXXX XXXX , XXXX ). On XX/XX/XXXX I received that notice, again late due to work issues. I actually have made 2 more payments in the meantime so the total debt owed to the hospital is only {$11.00} and that last payment was going to be made on XX/XX/XXXX 

Needless to say I find the hospital 's action completely and unnecessarily hostile. Payments were being made weekly toward the bill so at no time could they say I was attempting to evade them or deny them monies owed. My questions are : Is this legal? Do I have any recourse? To whom do I make the remaining payment of {$11.00}? Has this affected my credit? If so, how do I dispute the action and clear up any negative remarks on my credit history?
Debt Collector calling itself " Integrated Services '' called threatening to take legal action that they are not able to take in California. Debt Collector is flagrantly violating the Fair Debt Collections Practices Act with their threats and deceitful debt collection practices.
I have opened the account of Bank of America and they indicated that if all of my account together have more then USD 10,000 balance i would not be charged monthly maintenance Fees. but all of sudden they started charging without any notice. And they agree although rep did not inform correctly we ca n't do anything
CREDIT REPORT ( TRANSUNION ) IS CURRENTLY REPORTING ERRONEOUS SCORING INFORMATION AFFECTING MY FINANCES, CURRENTLY GOING THROUGH SBA FUNDING, THEREFORE THE FINANCES ARE CRITICAL AND MY REPORT IS DETRIMENTAL. TRANSUNION LACK OF TRANSPARENCY IS PUTTING MY BUSINESS STABILITY IN JEOPARDY.
USAA credit card division has a collection agency harassing me daily for a phony charge of {$3500.00} for merchandise that USAA has been in possession of for over two years!!!!!!!! 

USAA is full of lying, dishonest, scheming, unprofessional corporate creeps!!!!!! 

ATTENTION ALL MILITARY PERSONAL, PLEASE DO NOT BELIEVE THE USAA COMMERCIALS STATING THEY SUPPORT YOU!! 
THEY DO NOT!!!!! 
THEY WILL STICK IT TO JUST LIKE THEY DID ME!!!!
Frost Arnett is continuing attempt to collect an amount of money, for XXXX XX/XX/XXXX, that is not due American Anesthesiology, XXXX XXXX, as documented by attached XXXX explanation of benefits. I have proven the amount of {$720.00} is a false representation of the amount owed. By contractual obligation, the physician represented by the collection request is only allowed to collect what is contractually agreed with XXXX. Therefore, XXXX states the amount for date of service XX/XX/XXXX is {$230.00}. Please see all attached pages for documentation. Furthermore, an overpayment of {$72.00} was made to the billing service they represent, for which I am now crediting against the valid balance of {$230.00}. This leaves a remainder of {$160.00}. 
I have attached all documentation to FULLY support my statements. All documentation has been provided to all parties to this matter. 
-- -- XX/XX/XXXX To All Parties Concerned : Frost-Arnett Company - hired debt collector XXXX, XXXX XXXX, On Behalf Of XXXX ; XXXX, Office Manager Please be advised all parties above will be receiving a full copy of all documents pertaining to the disputed collection request for {$720.00}, when the contractual obligation according to XXXX is {$230.00}. As it has been conveyed to myself, verbally, by Frost-Arnett that they refuse to accept or negotiate any payment other than the incorrect amount that is in violation of XXXX physician contractual agreement, I have no alternative but to escalate my reaching out to regulatory agencies for help in this matter. Prior to this letter, I attempted to work with the Consumer Financial Protection Bureau ( CFPB ) with no success. Frost-Arnett submitted a false and misleading response in order to have the complaint file closed. I will be using that false information to open a new claim against Frost-Arnett for attempting to collect an incorrect amount and submitting false information pertaining to date of service I referenced for my complaint. 
-- - I have sent a 3rd notice to Frost-Arnett and filed this compliant for the following reasons : - attempting to collect an amount not due - making false claim that I referenced the wrong XXXX in my documentation in the previous complaint with CFPB - making false allegation on recent collection notice that attempts to contact me have been unsuccessful - ignoring my efforts to have the collection amount corrected so this matter can be resolved. 
- Frost-Arnett submitting false information on the previous complaint to CFPB which resulted in complaint being closed without resolution and continued collection attempts.