WillisBack/dataset-financial-user-claim huggingface dataset:
I do n't owe any money on the account that a company called AFNI is saying I owe. My XXXX XXXX XXXX account has been closed for a couple years, I paid all my bills on time. I can still login into XXXX XXXX XXXX and it shows noting that I owe! If I call them they say the same thing! 

There is no bill I owe and I 've never got a bill or communication from XXXX XXXX XXXX about any debt, ever! So I have no idea where this is coming from other that this is highly suspect and a scam. It 's bad enough this is wasting my time, but if it 's impacting my credit they need to fix that immediately..
On Friday, XXXX XXXX,2017, A XXXX XXXX of XXXX XXXX XXXX contacted my employer stating that a payday loan debt, which was paid, I have copies of the contract and the payments made through my credit union to verify payment, was not paid. They also attempted to contact the office manager. There conduct is in violation of several US laws and regulations that provide for the collection of purported debts.
Incidente date  XXXX / XXXX / 17  Card #  XXXX  Term -  XXXX  Sequence #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ - ATM address.   XXXX  I went on  XXXX  to take out  XXXX  dollars from my  XXXX  bank account  XXXX  at a Chase ATM. I requested assistance at banking center and calle d Chase and  no one has been able to help me. I need this resolved asap.   XXXX  Thank you please contact me asap  XXXX   XXXX  Or son  XXXX  -  XXXX  I gave son auth to talk about my situation  XXXX
We attempted to buy a mortgage with Chase in XX/XX/XXXX with a {$10000.00} down payment. We were ready to close but when we went to meet with the officer to sign the papers, the loan officer was not there. There were lots of whispers and waiting when we finally learned the truth. The loan officer disappeared with all our paperwork, turns out, he was seriously ill and the paperwork was on his home computer and could not be retrieved. No one bothered to tell us. We had to start the process all over and almost lost the house. The new loan officer who was assigned, sold us an FHA. She said we could refinance soon because we were paying a larger down payment and get rid of the private mortgage insurance. We decided to refinance in XX/XX/XXXX because the value of our home increased and we wanted to get rid of the pmi and get a lower interest rate. The same loan officer who closed the loan was working on this. Chase only offered a 1/2 % of our current rate, but she said we 'd save money because we could get rid of the PMI. She said if the refi was denied, we 'd get our {$500.00} application fee back. Then, THAT LOAN OFFICER HAD SERIOUS XXXX IN THE MNIDDLE OF THE REFINANCE, and again, no one bothered to tell us. Several different people took over but even though we 've never been late with our mortgage and our credit score was XXXX. Chase denied the loan and kept our {$500.00}. The denial came XX/XX/XXXX after we had everything in order, ready to close. Now Chase is express mailing, sending and phone soliciting all kinds of offers to refinance. We could have sued them for mishandling our initial loan but we decided to give them another chance. Then they do this. We want our {$500.00} back. I tried, but no one is listening.
Repeated collection calls, I have told them several times that they are not calling the right number, and they still keep calling me. The debt belongs to a relative, and the representative told me I needed to talk it up with that relative if I wanted them to remove my number from all collection activity.
On XX/XX/XXXX I check my credit and was informed that that SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, XXXX  XXXX was on my credit report. I didnt know where it came from and i wasn't made aware of it previous. I wasn't given NY NOTICE OF THIS COLLECTION. this HAS COST ME MY HOME DUE TO I WAS IN THE MIDST OF CLOSING WHEN IT WAS ADDED ON MY CREDIT REPORT. I HAVE CALLED AND SPOKE WITH MULTIPLE REPS AND HAVE SINCE FOUND OUT THAT THEY ARE COLLECTING ON A DEBT FROM XX/XX/XXXX AND XX/XX/XXXX. FIRST I INFORMED THEM THAT THIS IS NOT MY DEBT DUE TO IVE HAD IDENTITY THEFT AND HAVE SENT THEM BOTH OF MY POLICE REPORTS SHOWING FROM XX/XX/XXXX AND XX/XX/XXXX THAT I HAD IDENTITY THEFT. i HAVE ALSO SENT THE INFORMATION TO CHARTER COMMUNICATION WHO IS SUPPOSED TO BE THE ORIGINAL OWNER OF THE DEBT. I WANT THIS REMOVED OFF MY CREDIT IMMEDIATELY. i WOULD LIKE AN APOLOGY DUE TO I DON'T OWN MY HOME BECAUSE OF THEM. I WANT THEM TO STOP COLLECTING ON THIS GHOST /IDENTITY THEFT ACCOUNT IMMEDIATELY BEFORE I BRING A LAWYER INTO IT. IN XX/XX/XXXX I WAS LIVING IN XXXX XXXX AT MY MOTHER AND FATHERS HOME. I DIDN'T EBEN OWN MY OWN PLACE YET AND THEN IN XX/XX/XXXX I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX SINCE XX/XX/XXXX-XX/XX/XXXX. THE ADDRESS THEY HAVE ON FILE I NEVER LIVED AT THOSE LOCATIONS
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
I have received several calls from XXXX, on behalf Navient, regarding a student loan that I cosigned on behalf of a younger sibling. They had called several times throughout the day and weeks from various numbers including XXXX XXXX XXXX XXXX. 

When I finally answered, XXXX, the first representative, didnt identify herself or the agency. Instead, she began to ask me for my ssn. I asked for information before providing any personal info and eventually felt comfortable enough to provide the last 4 digits of my ssn. XXXX indicated that there was an opportunity to remove my name from the loan altogether through a settlement of about {$8000.00}. When I asked for written documentation regarding that settlement she refused to send anything in the mail or by email. 

After several requests to send written documentation of the settlement offer by email or mail, the representative indicated that failure to pay would have implications on my mortgage and other financial obligations. At that point, I explained to her that I understand my rights under state and federal law and that I believe her communication was inappropriate and may be in violation of those rights. 

The representative continued to speak over me and would not listen. She refused to provide any written documentation to me. The representative continued to indicate that certain actions will be taken if I had not provided payment account information to preserve the settlement offer. 

Once again, I asked her to provide written documentation regarding the settlement offer and possible payment plan but she refused. At that point, I told her that because she could not provide any additional written information I would hang up and would file a complaint. 

Within about an 1hr, I called the number again to get the full name of the representative and a mailing address. The second representative, XXXX, told me that she had no record of my previous call. When I pressed her for information, she said that she overheard the call. Because she lied about the recording of the previous call, I ended the call. 

I do want to remove my name as co-signer of the loan and, depending on the terms and other factors, am willing to enter into a settlement and/or payment plan. But the representatives withheld information, made threats, and several misrepresentations. These calls were around XXXX and XXXX on XX/XX/2018. 

So I am filling a complaint but would also like some guidance. My contact information is above. 

Thanks XXXX
I have contacted Midland Funding about my account as I am trying to clear up my credit. I first called last week in regards to the balance on my account. My credit report showed that I owed {$110.00}. When I called in they told me that I owed {$360.00}. They were unsure as to why the credit was reporting differently than what they had. I then reached out the their credit department, which I tried called five times and never could get through. 
Since I could n't get through I went online and disputed on XXXX XXXX the account and it 's inaccuracies. 
This morning, XXXX XXXX, I logged in to see that the Midland Funding account had closed. To follow up with Midland I called to confirm the account is closed. They told me that the account was not closed and that I still owed {$360.00}. I explained to the lady that XXXX reported that the account was closed and Equifax was still reporting the {$110.00} balance. She told me that information was wrong. She put my through to the credit department. They lady told me that she did n't know any of that information and that she 'd have to reach out to find some answers. She told me to call back. I told her that she would need to reach out to me as I 've tried reaching out to them multiple times. 

I explained to this lady that I no longer wanted my payment plan in action as things do n't seem to be right. She put me back in contact with the department who deals with this. The gentleman canceled my payment information and told me first that I owed {$340.00} and then later told me that I owed {$360.00}. I explained my frustration being told that I owe XXXX different amounts ( {$340.00}, {$360.00} and {$110.00} ). He looked into my account more and then said " oh, I see that there 's XXXX different starting balances ... maybe that 's the issue. '' I then asked to speak with a manager. I explained the situation and the manager asked, " So what 's your concern? '' Really?!?!? This is ridiculous. I 'm being told that I owe XXXX different amounts to there company and XXXX is showing the account closed. 

I feel that this company is being very shady and does n't know what they are doing. I should have a clear idea of what is owed to them and if XXXX is showing this closed I should n't be paying them anymore money. 

They are very unorganized and every time I call in they are giving my different information. This is very unfair to the consumers and makes me wonder if they are ripping me off.
Payment histories lack transparency. Every year it takes longer for PHEAA to process my recertification. This appears to be a deliberate ploy. The hit taken on my PSLF credit seems to be increasing while they force me into foreberance. The time they take to reconfigure my payments is increasing, from the latest report of XXXX XXXX, it appears to have dinged my PSLF credit for two months, rather than the 1 month that the rep promised me over the phone. I am submitting a payment history with several issues. I would like a line by line response to my complaints. I would also like a line by line monthly accounting of how each payment is applied and if it is not counted toward PSLF, please provide the reason for that. 
Additionally, my yearly electronic IRS submittal is never " enough '' and the processing of my recertfication is further delayed by having to submit my tax forms and paystub, etc. I am curious if there is a law that says I must take forberance while they recertfy. If there is another way around this that will ensure I will not lose my monthly payments and credits, please advise. This lag in processing is totally unacceptable, manipulative and not consumer oriented. I am tired of having this pattern repeated year after year without resolve. 
While I get my paperwork in way ahead of the game, it 's still the same story.
This account is not mine. I was a victim of identity theft. I submitted a police report and affidavit proving that I was a victim of identity theft. I have disputed this through the credit bureaus and it still has not been removed.
XXXX is reporting a debt they say I owe but refuse to provide me with any supporting documentation. They have violated the Fair Debt and Collections Practice and refuse to remove the information from my report.
Was never late on payments ... needed a extension of XXXX payment because or the IRS payment. on payoff day it was outrageous amount of XXXX ask for a settlement amount because i had already payed the principle part in full immediately I never could get payoff. they never sent my title for 3 months and filed this report did not say or warn me this could or would happen. Or I would have paid the STUPID {$280.00} for there cheap shot. and its 6 years NOW
XXXX offered me a pay and delete offer in 2013, in which I accepted and paid {$93.00} in XXXX 2013. XXXX cashed the check on XXXX/XXXX/2013 and as agreed in the settlement offer, they should have updated my account information with all three credit agencies. Therefore, it was illegal and unlawful for XXXX to sale the debt. I do NOT owe XXXX the full amount of the debt because this debt was paid and settled with the original debtor.
Both Fed and non Federal loan should be able to be checked, I have both. I was injured on the job and because my employer chose to keep me employed and use the feral program for reeducation before my separation was forced, I ended up with both problems of having to fund my own and use loans as well as face unemployment with injuries. XXXX with XXXX with time. This was known to the first application then sold to the next holder and always mentioned by myself to the originator and have not for so many years been offered help to apply for forgiveness of some kind if at all available only to differ under forbearance. All the while the state has full overview of my case seeing that it was to provide for medical care for life yet the private and the state insurance are and where both the same ... ... .I have been manipulated by the legal hoops that lead to help and the state regularly through the private section controvert me regularly. Upon the provision of the state know that the case is for life. Also particular to my case there is no primary designated to oversee any needs or forms they knew this at the time of agreement. Any how I have regularly attempted to go back to school and finish some course work regularly but have struggled more recently with time elements. and funding even for tuition that would have been covered by the employer had they not snubbed me, scrubbed me, forced me to resign. Some thing stinks and this is only the short outline of happenings. Thank you Regards
Rushmore is charging my escrows for " personal insurance '' that they claim is due to a requirement that I provide " wind '' insurance. Previously, Rushmore made this claim on all 3 loans that they service for me. My insurance policy covers this type of damage and Rushmore removed these charges from 2 of my 3 loans. While preparing year for taxes, I realized that Rushmore was charging my escrows for their imposed additional insurance on this loan. I phoned Rushmore and gave all information and demand that charges be stopped and my money returned to my escrows. On XXXX-19, Rushmore AGAIN charged my escrows for their " personal insurance '' imposed fraudulently on my account.
I went to get a credit card and they told me someone is using my social security with different bank companies.
I continue to get calls for a person not living in the house. The message says " This call is for XXXX. If you are not XXXX do not listen. '' I stop listening but the calls have continued for at least five months, several times a week. Can not get them to stop calling. I finally listened all the way through so I could get the name of the company : Lustig , Glaser & Wilson
american express continues to submit false information to the credit bureaus. I filed a complaint with XXXX and they repaired my report plus denied American Express access. 
Now they are submitting false information as if I have active accounts which lowers my credit report. 
Due to illness, I could not pay them and was charged off in XX/XX/2012. They continue to manipulate my report resulting in a XXXX point spread between XXXX and XXXX. I could really use your help as I view thjis as fraud. They also tried to say I opened new active accounts which may or may not still be on report. At this time they show my account as active when it was written off XXXX years ago. Thank Your
ON XXXX XXXX 2015 MY CAR WAS REPO BY SANTANDER CONSUMER. THE REPO GUYS BROKE THE LAW FALSE IMPRISONMENT BY BLOCKING ME IN AND PUTTING A WHEEL LOCK ON MY CAR WHILE I WAS ATTMEPTING TO DRIVE CAUSING BREACH OF THE PEACE. THE REPO GUYS FORCED ME TO GIVE THEM MY CAR KEY. THEY DID NOT SHOW ME ANY PAPER WORK. THEY CANE ON PROPERTY THAT WAS CLEARLY POSTED NO TRESSPASSING..
I declared bankruptcy and had to make planned payments to the chapter XXXX trustee. All of my payments were made to Nationstar Mortgage and never missed a payment for the last 5 years. All of my payments were made in a timely manner. The bankruptcy was supposed to have been discharged XXXX, 2015. It was not. Nationstar Mortgage stated I was 7 months in default. They stated which months were not paid. I submitted copies of my cancelled checks to my attorney. Some of these checks were dated years ago. I thought my bankruptcy was discharged and I continued making my payments. In XXXX, 2015, Nationstar Mortgage did not cash my mortgage payment check. I called Nationstar Mortgage and they stated I was 8 payments behind on my mortgage payments. They further stated that the payments that were in default were from XXXX, 2015 to XXXX, 2015. I have the cancelled checks from XXXX to XXXX. Nationstar Mortgage sent my XXXX mortgage payment back to my bankruptcy attorney. In closing, all of my payments have been made and proof can be provided. Nationstar Mortgage is now attempting to do a foreclosure on my house. Nationstar Mortgage sent me two checks back from my escrow eccount totaling almost {$6800.00} stating they were from my property taxes and homeowners insurance. Planned payments were made to the chapter XXXX trustee and they were all made and in a timely manner. Nationstar Mortgage took over my loan from XXXX when I declared bankruptcy. At that time, XXXX was doing fraudulent loan modifications. {$500.00} was returned to me after I submitted a complaint to the Independent Foreclosure Review.
This has been updated with the other bureaus please update on my Experian report. This balance has been paid and I am no longer accountable for this charge off please remove.
My trouble began in  XX/XX/XXXX . Company did not bring my account current when I completed my payment arrangement as agreed in  XX/XX/XXXX . As a result, I was charged additional fees in   XX/XX/XXXX , along with, a default letter fee of {$200.00} filed with additional fees, filed in  XX/XX/XXXX . The balance due in  XX/XX/XXXX  included  invalid fees that were included in the payment plan already completed. I refused to continue paying the company on a incorrect account balance. In addition, the Company could not tell me if I continued to make payments on an incorrect balance, how am I assured payments would be directed to the correct items due. They could not answer that question. I requested for the rep to submit my dispute and to remove ALL fees, ALL default letter fees and ALL late fees since my account has not been accurate since the payment plan ended in  XX/XX/XXXX . I was told on  XX/XX/XXXX  that my account was not " adjusted '' until  XX/XX/XXXX . Therefore, the Company was asking me to continue to pay on an incorrect balance. I was advised by  XXXX  that my current balance included previous fees that should have already been paid off with the previous payment arrangement. Company continues to send me statements that do not itemize what the balance due is comprised of.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy of my credit report I have noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and I then contacted the credit bureaus ( Equifax, XXXX, and XXXX ) and let them know about the problem. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to Equifax XX/XX/2017. These accounts are making my credit score bad and its hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.
Incapable of issuing free annual report due to insufficient identification information. The identity information to process this specific transaction included copies of the requested social security card and drivers ID and also a valid employment pay stub. Need recertification to complete this transaction. Notification/correspondence does not specify the proofs needed. Thank You for your time.
Dear CFPB, I am a customer with TJX Reward card. Last month I pain my balance in full. In XXXX statement TJXReward card sent me a statement where they charged {$6.00} interest rate while my next billing due date is XX/XX/XXXX. 

In the statement TJX claimed that the subject to interest was {$260.00} which I do n't know how was calculated since my last statement purchased were only {$93.00}. 

I respectfully request TJX reward card remove this interest from my account. 

Worth to mention, this is not a first time when a credit card try to bill interest on fully paid balances, which I suggest you to investigate. 

As well as the legitimacy of TJX rewards card interest rate of 27.99 %. In Illinois usury rate is set at 9 % Thank you in advance XXXX XXXX
Hi i checked my mail and i received a letter it said that my account will be closed and they didn't explain why it will be closed and i haven't done anything wrong my accounts are in good standing and they will close my ally bank on XX/XX/2018 and refuse to tell me why .... and i have few pending deposits coming in to my accounts and i need the money .... i have open a dispute on two ACH transactions and this could be the reason why they closed my account and i dont like the way ally is handing these disputes they take too long to resolve and all they had to is do a chargeback but they didnt do that i will now take my business elsewhere ... i never reported fraud or request for new debit card so i dont know why there are closing my ally bank account ....
I was a victim of identity theft. I also reported the identity theft issue to FTC. Chase Bank made a mistake and processed a transaction of {$1500.00}, without my authorization, on their own accord. As soon as I pointed it out to them that they made a mistake, by calling them on the phone, they ended a business relationship with me, in retaliation, without a reason. I am a longtime customer with Chase Bank. It appeared that Chase Customer Claims gave me a letter, XX/XX/18, which confirms their misteak. I called Chase Customer Claims, XX/XX/18 at XXXX. 
Chase Customer Claims transferred me to Executive Office at XXXX. XXXX XXXX, XXXX, gave me Case Number : XXXX A Notice of Unauthorized Use of ATM/Debit Card Account was given to me by Chase Bank. And, a response, to Chase Bank, will be given by me.