WillisBack/dataset-financial-user-claim huggingface dataset:
This bunch of idiots with the IQ of 30 does not understand English. They have called me 16 times in the past four days including phone calls as late as XXXX at night. The debt they are claiming was turned over to a debt settlement company. I informed them of this and they told me they did not care. The debt settlement company also informed them of their involvement and obviously they did not care because they kept on calling.
I TOOK OUT A PAYDAY LOAN A WHILE BACK WITH MYPAYDAYLOAN.COM FOR {$1400.00}. I PAID THEM BACK WHAT I COULD AND THEN IT WENT INTO DEFAULT CAUSE I GOT HOSPITALIZED. THEY LOAN AGENCY TOLD ME THEY WERE OUTSOURCING THE COLLECTION OF THE ACCOUNT TO XXXX XXXX XXXX. NEVER HEARD FROM XXXX AND THEN ALL OF A SUDDEN I STARTED GETTING VOICEMAILS FROM XXXX XXXX XXXX OF XXXX, NY. THEY HAVE CALLED ME FROM SEVERAL DIFFERENT NUMBERS AND GIVE ME NAMES FOF XXXX XXXX AND XXXX XXXX, BUT IT SOUNDS LIKE THE SAME PERSON. THEY HAD ME SO FREAKED OUT CAUSE HE SAID HE WOULD SUE ME FOR THE PAYDAY LOAN. HE ALSO CALLED VARIOUS MEMEBERS OF MY FAMILY AND MY SUPERVISOR AT MY JOB AND KINDA TALKED TO HIM ABOUT ME AND THE DEBT. HE CALLS FROM XXXX, & XXXX EXT XXXX FILE NUMBER XXXX. I HAVE BOTH VOICEMAILS SAVED ON MY PHONE AND I HAVE A LETTER ALSO FROM THEM CONCERNING PAYMENTS. I WAAS STUPID AND PAID TWO MONTHS TO THEM ALREADY THEN DID SOME RESEARCH ONLINE AND IT SAID TO NOT PAY THEM ANYTHING AS THEY WERE A SCAM, AND USING SCARE TACTICS TO GET PEOPLE TO PAY. NO LONGER WILL MYPAYDAYLOAN WORK WITH ME EVEN THOUGH I HAVE TRIED TO EXPLAIN TO THEM WHAT THIS FLY BY NIGHT SCAM IS DOING.
I have disputed items on my credit report from this company asking for verification and validation of a written agreement with them. This company has verified my account as accurate and sent a copy of a credit card statement. This is no showing that the information is accurate or owed to them. After I submitted a disputed they have since added new records to my credit report for the same company but different amounts. They have failed to respond the the other disputes I have filed but have makes them as accurate.
XXXX is reporting a late payment on my credit report. I believe this information is incorrect and/or is too old to report. I request that the late payment is removed from my credit report. The late payment reported is from the following dates : XX/XX/XXXX.-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Below is my account number found on my credit report : Account Number XXXX - - Account Name XXXX Account Number XXXX - - Account Name AES/XXXX Account Number XXXX - - Account Name AES/XXXX
Several credit accounts and the corresponding trade-lines are not being reflected in my TransUnion personal credit report. They are being reported to the other bureaus. The creditors have advised they are reporting to TransUnion yet they accounts are not present in my credit report. This is adversely affecting my credit rating as my Average Age of Accounts is greatly diminished. This is a factor the XXXX scoring model uses in establishing an individuals creditworthiness. I would greatly appreciate assistance in having the following missing accounts reinserted into my TransUnion credit report. 

XXXX / XXXX Acct No. XXXX .... 
XXXX XXXX XXXX Opened : XX/XX/XXXX Limit {$8800.00} High Bal : {$1700.00} XXXX XXXX, XXXX XXXX Status : Paid/Closed Never Late Bal : {$0.00} XXXX / XXXX Acct No. XXXX XXXX XXXX Opened : XX/XX/XXXX Limit {$4400.00} High Bal : {$4200.00} XXXX XXXX, XXXX XXXX Status : Open/Never Late Bal : {$0.00} XXXX / XXXX Acct No. XXXX XXXX XXXX XXXX XXXX Opened : XXXX Limit {$4000.00} High Bal : {$990.00} XXXX, XXXX XXXX Status : Open/Never Late Bal : {$0.00} XXXX / XXXX XXXX Acct No. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Limit : N/A High Bal : {$750.00} XXXX, XXXX XXXX Status : Paid/Closed Never Late Bal : {$0.00} XXXX XXXX / XXXX XXXX Acct No. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Limit : {$11000.00} High Bal : {$3400.00} XXXX XXXX XXXX, XXXX XXXX Status : Closed/Never Late - Transferred XXXX XXXX Acct No. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Limit {$300.00} High Bal : {$91.00} XXXX, XXXX XXXX Status : Paid/Closed Never Late
Wells Fargo at an alert so my neighbor on the reasons or for requesting a cashiers check I 'm not 100 % sure what exactly happened but they refuse to explain to me and only will keep my account open for 10 days they stated that it was fraud how was that bra when I requested it I 'm sorry it was a temporary check.I just need to set up a XXXX I was going to deposit the money wired to the bank closing they actually spoke with my fianc was on the account and stated that they will fly both our names there was no integrity courtesy collaboration no no anything to try to help us resolve this issue. they also still send us emails about the accounts at one point we thought it was open but it was n't so we never understood what we were still getting email it was 100 % discrimination against my fianc
I am working with Chase mortgage to short sale my home. I owe more than it is worth since the area it is located in had lost a lot of value. The home is located at XXXX XXXX XXXX, XXXX, XXXX XXXX. I had to relocate to XXXX for my job in 2012. We were unable to sell our home at that time as we would have lost too much money to be able to sell it, so we rented it out. It has been a burden to maintain and keep renting for us from so far away and we are attempting to short sale the home. Chase initially evaluated our application for a short sale and denied us but did not take into consideration all the expenses that we have going out on a monthly basis. I am self employed and as such I keep back money in my business account to pay taxes on my income yearly. when Chase looked at the business income and account, and then looked at the bills we have solely listed on our credit report, they felt that we had more than enough income to cover the sale of the home and the loss of money. The fact is that we do not. Since the initial evaluation, the money in my business account has now paid my taxes and expenses, and is significantly depleted. They did not take into consideration the expense of taking care of my family day to day. I have my wife and we have XXXX children. Even though I submitted all my expenses, I was told by a loan representative that they only looked at income, bank balances, and credit report. They did not take into consideration any other expenses. So I guess in their mind, as long as you can pay them and nothing else, then you should be able to afford it, never mind the day to day expenses of raising a family of XXXX. Now we are 4 months behind in our mortgages on that house as we do n't have a renter and we can not afford to pay on the house we live in here in XXXX and the house in XXXX.
XXXX reported my account past due and they refused to validate my account. I asked to validate my accounts by providing documents bearing my signature.
My bank account was emptied and a bank fee was charged this account, due to a Writ of Garnishment dated XX/XX/XXXX, this is all coming from an alleged judgement that is over 10 years old in which I was never given service or notice and a default judgment was entered  on XX/XX/XXXX in New Mexico District Court, but I was never informed or given notice of a Complaint or Judgment. 
After Ten Years and Eight Months with no contact or collection activity on XX/XX/XXXX attorney XXXX XXXX XXXX, filed to reopen the court case against me after Over Ten years after the Judgment was given and this same attorney filed an application for Writ of Garnishment, the judge issued the writ and my savings account was emptied. 
I have never received any notices from this court or attorney and this alleged judgment was filed without my knowledge. The Bank has now given me a collection agency Name and Number that I am to contact if I have any questions, this company is Machol & Johannes , LLC. ( XXXX ) XXXX. 
I believe the judgment is expired and invalid, the alleged debt is being illegally collected and the collection agency is trying to collect on a debt illegally without notice that has long since expired or is noncollectable.
I applied for a loan of {$1000.00}. I was advised of {$250.00} in finance charges- I was not aware of the finance charge being charged repeatedly and not applied to the loan. I have now paid {$500.00} and my loan balance is still {$1200.00}. I am not able to see the terms of the loan on the website for verification, I am not able to see the repayment schedule, I have XXXX information, beyond " early payoffs are not penalized! ''
In XXXX XXXX I was looking for a cheap vehicle to purchase when I received my yearly income tax refund. I came across a small used car dealership near my home here in XXXX, XXXX called XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. ( XXXX ) XXXX, ( XXXX ) XXXX. The Business was owned and operated by Both XXXX XXXX and XXXX XXXX who also owns XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. I had found a Small AWD XXXX Suzuki Aerio Sx vehicle that was on there lot.. A verbal agreement of XXXX was what the dealership wanted for this little car. However due to my income tax only being around XXXX we had agreed that I could use that money as a down payment and lease the rest. They had me lease the Vehicle with a company Called Credit Acceptance Corporation of XXXX XXXX XXXX XXXX, XXXX XXXX Phone number XXXX XXXX. Which I then find out the vehicle had be lease for 4 times more then what the dealership was asking for the vehicle. The agremment was made for XXXX and now instead I 'm locked into a lease agreement with Credit acceptance Corporation for over XXXX not including the down payment in cash that XXXX XXXX XXXX accepted in the amount of XXXX. Any help with this situation will be greatly appreciated. Screen shots of the XXXX conversation that started in regards to the vehicle has been attached to the complaint. Owner of Auto dealership quickly deleted XXXX page after sale.
I realize that I have been a victim of identity theft, This account should be removed from my file inmediatly because they have course great problem in my ability to get credit and a better job. I have filed an FTC report and a police report with XXXX police, this report number is : XXXX a copy of this report is attached. Please remove all none account holding inquiries, opt me out from prescreening offers and opt me out permanently from your systems. 

Thank you.
repayment plan options were not presented properly. I switched and was told that I could not get credit towards the years I was paying for the 25 or 20 year repayment plan with caps. I 'm  XXXX . I have paying a very long time. In the last 10 years I was directed to switch Income repayment plans and also not get credit for the payoff caps on the previous plan. Lately I received another notice that I have to file an update. after login to do so Im told I have to reapply for the repayment plan, not on the good one any more. To reapply Navient sent me to the us loan website where my mailing address was two houses ago. Says I am a week late filing the repayment option for income. So I have lost all of the time my payment plan was ticking away at the 20 or 25 year cap. Still confused about what I was on before and why this is not easier. I am still confused as to how to fill out paperwork because it asks me to pick another plan, without telling me what I was on last time, even though all the other fields are pre-filled. I have already been verbally told that if I switch I will lose credit towards the 20 year program I figured out I needed to be on last time. Last time it took me many many many many tries to get on the plan was on and had to get special permission to process last time. I have never been late. I still need to call them back and sort this out after the holiday weekend. Spent hours on this task and it is not solved. I have a   XXXX   XXXX   in   XXXX   XXXX  in  XXXX   and all of my   XXXX   XXXX   XXXX  . I have the unfortunate position of being the mother of a  XXXX  child and     XXXX  b y a red light runner so I have all the time in the world to call with my blue tooth headset and my phone plugged min, wait for hours. Others work and I 'm sure would not be able to find the time to finish the annual re certification or go to this website to research it online and find the time to type in all the answers above without going crazy after being on hold, customer service loops with other companies all day trying to take care of simple details. Go to a website ... nope go to a website on a computer..nope not a tablet ... not that browser ... this browser. dropped call sorry wrong department. let me give you that number. go to this website ... we are closed. call back during a different time zone that what is humanly possible. maam I 'm going to send you to our escalations department. please retell me the story dropped call
I have a student loan payment each month. During a time of financial difficulty, I failed to make the monthly payment for 90 days. This is not in dispute. The issue is this single monthly payment accounts for XXXX separate student loan accounts on the fedloan site. So this XXXX slip up hit my account for XXXX late payments ( 60 days late ) and then XXXX delinquent payments ( 90 days late ) which took my score from XXXX to XXXX. How am I supposed to recover from that and it 's not like you can make a partial payment on the fedloan site. XXXX hits to my credit score from XXXX missed payment over a 90 day period ( XXXX at 60 days past due and another at 90 days past due ). When contacted, fedloan stated they can not make changes to this reporting. I was late, so sorry, but maybe I should pay my bills.
I was a victim of identity theft. Equifax removed everything from my credit report even items that were n't disputed along with auto loans that are currently active. and 2 auto loans that i had previously paid off this has caused even more harm to my credit.. They have blocked these items from my credit reports. Equifax has also reinserted 3 items that were deleted due to the identity theft. These items do not belong to me. i was not notified at all by equifax or any one else of these items being re inserted XXXX XXXX Reported : XX/XX/XXXX + {$52.00} Needs Attention XXXX XXXX XXXX XXXX XXXX .
Reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX
Equifax has been non-compliant with removing the unverified account ( XXXX XXXX ) which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that ( XXXX XXXX ) was not established by myself but Equifax keeps verifying this account.Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Experian has XXXX listed XXXX on my credit report, XXXX. It is the same XXXX fraudulent account listed XXXX. I have filed a complaint against XXXX to the CFPB and I have attached the signature on XXXX 's application page which XXXX forwarded to CFPB, in which you can clearly see it is not mine. I have attached my mortgage document with my signature and I have attached my domicile with my signature and addresses. Also, I have attached a letter from XXXX XXXX acknowledging it is her debt not mine and her admission that I knew nothing of the debt and the contact information on the application was not where I resided. I also ask for you to acknowledge the dates of my mortgage document with signature, also my property tax info which shows the date that I resided at my current resident XXXX XXXX XXXX XXXX. The mortgage document from XXXX XXXX, shows my XXXX XXXX XXXX XXXX , neither addresses coincides with the address on XXXX 's application. I have also attached my property tax document which shows the year I moved into my current address. I was not residing at the address on XXXX 's application, nor have I ever signed or received any documents from them. I have resided between XXXX and XXXX exceeding 15 years. I am asking again for the fraudulent accounts to be immediately removed.
I was in default with student loans. We fell on hard times and until recently I couldn't pay. On XX/XX/XXXX I was able to pay my balance in full which was agreed to by PHEAA/AESthrough XXXX XXXX. We settled on everything minus the fees from XXXX. PHEAA/AES is still reporting to the credit bureau that the loans are still in charge off/collections and default. They told me that they will continue to report to the credit bureau that it is in charge off/collections for another 4 years because I made a 1 time payment and didn't do their loan rehabilitation payment program. We are trying to pay off debt in hopes of eventually buying a house. The fact that I am being punished for paying my debt in one payment is absolutely ridiculous and wrong. I want these marked as paid/current and then removed from my credit reports. I have disputed with the credit bureau and PHEAA/AES keeps claiming its resolved - customer disagrees.
My mortgage payment has increased by {$800.00}. I only was notified when I called. When I asked for the details, I was advised that part of my increase was due to XXXX insurance companies being paid for my homeowners insurance. XXXX XXXX and XXXX. XXXX was distributed XXXX when I never was uninsured or agreed to the insurance. I changed my insurance form XXXX ( because the premium has increased to {$20000.00} a year ) to XXXX XXXX. Someone from Ocwen called me because they had received the request from XXXX to pay the {$20000.00} at that time I reminded the OCwen agent that my new policy was with XXXX XXXX. Ocwen should have never issued XXXX XXXX XXXX a check and advised me that I was was responsible for reaching out to them. Also I was advised that my escrow was in a negative of {$10000.00} but no one could explain to me in detail how my mortgage payment increased to {$800.00}. I advised Ocwen Manager/Supervisor XXXX that I could not afford to pay the new mortgage payment and advised if there was anyway to spread my escrow deficiency from 12 months to 24 months. XXXX advised me that " If you can not afford the payment, then you can not afford the property ''. I advised that this could lead to a Foreclosure. He stated he could send me a refinance application. I do n't think that I should have to refinance my home due to an escrow issue that was created due to Ocwen errors. This is an unfair and deceptive practice that Ocwen is engaging in.
This is a new complaint. I have requested a WET INK signature validation for this debt on XX/XX/17 via CFPB. I received a copy of a statement for an account that has yet to be verified by the WET INK signature requested. According to Tennessee state license verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from all credit bureaus. The collection amount reported is {$370.00}
I filed an online dispute with TransUnion on XXXX XXXX to have the XXXX account balance verified and validated. I also attached a copy of my mortgage statement to serve a proof of the balance. I received a letter in the mail XXXX XXXX, 2016 file number XXXX that the XXXX account was deleted. I contacted TransUnion at XXXX at XXXX and spoke with XXXX. She denoted the account was suppressed and was unable to add the account back to my credit report although it was their error it was deleted.I proceeded to ask how did they verify the information and if it was verified it would not have been deleted given I still have a balance with my mortgage company. Furthermore, what parameters do TransUnion have in place when they delete something by mistake so they can add it back? Also, what recourse is provided to the consumer when TransUnion has caused a drop in their credit? Why did n't an updated credit report accompany the investigation results? None of my questions were answered to my satisfaction so, I requested a supervisor and was transferred to XXXX who had a very nasty disposition. I asked the supervisor if they could put the deleted information back on my report. In addition, what recourse do they have when they make an error and make a consumer credit score go down? How do they remedy their wrong? I was informed it was nothing they can do because they do n't contact the lender it is my responsibility. Why, am I having to correct the error TransUnion made? 
I called XXXX and spoke with XXXX at XXXX in which she transferred me to XXXX in the Credit Bureau Specialist Unit. She verified XXXX received the electronic notification on XXXX XXXX, 2016 and sent a notification to respond to the correction on XXXX XXXX, 2016 but did not request a deletion. XXXX denoted she would attempt a reinstatement which takes 3-5 days but it is no guarantee it will be added to my account given it was deleted and provided me with a case # XXXX for the XXXX account.
I have not had any credit accounts for years. I basically used cash for all my transactions. Recently I decided to buy a house and I had to build my credit to do so. I pulled my credit and notice a lot of activity on there that I did not know about. On the advice of a friend, I ran my information to see if my profile was leaked in a data breach and it was. My credit report should have been blank, but there are several items that I need to remove before I can move forward with my aspirations to become a homeowner. These items include incorrect addresses, phone bills, utilities bills and an auto loan.
On vacation, calling from our car, I used our credit card to book a hotel room by phone through XXXX. My wife was looking at the website on her tablet. The XXXX page states the XXXX following reassurances : " And there are absolutely no booking fees. '' and on the lower left " Best Rate Guarantee ''. I was told during that call that the total was {$99.00} and that I would need to pay the separate {$15.00} pet fee at the XXXX motel. Upon paying that fee with our XXXX at checkout I asked for a receipt and was provided with the attached. It shows the room rate paid of {$82.00} on a XXXX ending in XXXX. This is not our card, but apparently that of the booking agent. Further, the XXXX WA address provided is not our address, but belongs with that booking agent card. Despite the no fee claim on the XXXX website, they have collected a hefty fee of over {$15.00}. Also, we interpreted Best Rate Guarantee to mean that a discount rate would be extended, such as auto club. In fact the {$99.00} represents a full price. We did not realize until too late that the terms of the Best Price Guarantee are limited to catching them within XXXX hours. XXXX is misleading and defrauding thousands of people each day since so many of us travel with our pets. Once home I contacted my XXXX card bank to dispute the fee portion only to be told by the Chase representative that XXXX " did provide a service ''. I was connected with a representative from XXXX and no resolution was achieved. I called Chase Bank again and asked to file a written dispute and was told by Chase Bank that no forms would be mailed. In addition to XXXX 's deception, Chase Bank is denying me my right to dispute a fraudulent charge amount.
I was previously on the Income Based Repayment ( IBR ) plan and as I was submitting information to change my plan to the REPAYE. When my servicer, FedLoan Servicing, processed my loan they did not notify me that they automatically capitalized more than {$4000.00} of interest onto my already huge loan. Now that they are changing my plan, they have put me on forbearance which they say again requires interest capitalization at the end of my forebearance, so I am paying interest off of my interest just to change my income driven plan. FedLoan Servicing gave me notification of this happening, and when I called them 4 times in one day to figure out what what going on, and to cancel the IBR changing process, they said that they can not take off the initial interest capitalization of $ XXXX dollars. When I asked them about their policies on notifying people of capitalization on their accounts, they said it is not a requirement.