WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I have an auto loan with this dealer in Wells Fargo Dealer services beginning in XX/XX/XXXX for a XXXX Ford Escape. I pay XXXX dollars on the XXXX of each month. I have asked on numerous occasions for the due date to be changed and was advised that I can not change it. 
I get paid once per month, the last working day of the month which I explained to them when ever I called. I would like them to change the date to the XXXX which would make it easier for me to be on time with my payment. 
Last year I paid after XXXX in XX/XX/XXXX or XX/XX/XXXX and it was reported on my credit and then on XX/XX/XXXX it was reported as paid and account in order.?? This has hurt my credit and is still hurting my credit. My bank has been paying continuously for me on XX/XX/XXXX and my account stays in od until my pay check goes in. I had spoken to them. they now are tired of it, which they should be and has asked me to try and fix the due date. It been late this month again because of all these situations and again its been reported on my credit and a fee charged. 
THEY HAVE CHARGED ME A FEE OF XXXX DOLLARS EVERY MONTH SINCE I OPENED THE ACCOUNT IN XX/XX/XXXX. I have paid some and now there is approximately XXXX dollars more still. Im not sure what the XXXX $ is for. I asked and they gave me a story. 
Today XX/XX/XXXX I called after being alerted on my credit. I asked again to have the due date changed and was hung up on twice before I got XXXX a supervisor. He insisted that I can not change the due date until I bring the account current. 
That is the reason I want the date changed so that going forward I can have it up to date.I will not be able to pay until XX/XX/XXXX, which will be past XX/XX/XXXX current due date. I will be charged a fee regardless and it will again be reported on my credit. 
I have 3 more years to deal with this because I need the car to take me to work. I need help please. 
This is not right for someone who is always paying but is being hindered from catching up because of their fees and refusing to assist so they can collect but in the samr breath is making my credit pay and my future in borrowing from someone else. 
Thanks for any assistance.
I 've advised Discover of the financial situation I am in. If I 'm just one or two days late the calls start up.. at least 4 times a day m-f.. I 've told them I 'm aware of the situation and would like the calls to stop. I 'm assuming they are robo calls.
Your school falsely certified our eligibility to receive the loan based on our ability to benefit from its training, and we did not meet the ability to benefit student eligibility requirements. 

So basically saying, the degrees and classes were n't worth the time or money put into them. The degrees and classes are scoffed on by any employer we have inquired to, and many former students have reported this issue.
Collection Agency RECEIVABLES PERFORMANCE is showing on my  XXXX   XXXX  report as OPEN, a balance due in the amount of {$100.00} from the company  XXXX . It was put on my account on  XXXX / XXXX / 2014 . I have sent several dispute letters and documents to  XXXX   XXXX  showing that I haveno balance and that it should n't have never appeared on my report. I have also spoke with  XXXX  and was agreed there is no balance .Dish also is very annoyed as well because I am a loyal customer to them.Collection Agency RECEIVABLES PERFORMANCE fraudulent trying to deceive money out of me as I am a single parent & they refuse to speak with me to resolve this issue.  XXXX  this be investigate and remove asap as it is damaging my credit.
I sent a wire transfer amount of {$8500.00} dollars on XX/XX/2017. Now it has been 3 days, the fund is still not available. The company, Coinbase Inc has promised on their website and with email that the fund will be available within 1 business day same as any other wire transferred funds.
But now they do n't even reply to my emails anymore. After promising to get the problem fixed.
I saw an offer on Citi bank web site that if I open a new checking account by XXXX/XXXX/XXXX and deposit {$15000.00} within 30 days and keep it for 30 consecutive calendar days than I will earn {$400.00}. I called the bank on XXXX/XXXX/XXXX and opened over the phone a checking account and deposit the {$15000.00} on XXXX/XXXX/XXXX at the branch. It passed more than 4 months and they still did n't honor their promise to give me the bonus. I called numerous times and was told that money will be in my account after XXXX XXXX, XXXX ( after 120 days ). I opened a service request on XXXX XXXX, XXXX - Request # XXXX, then followed up on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and today is XXXX/XXXX/XXXX and I never got the money or any response from the bank. Since I followed all the requirements of the offer, I think it will be fraud on their part to keep telling me that I will receive the bonus after XXXX XXXX and use my money for more than 4 months and eventually not paying it and just ignoring my requests. If the issue will not be resolved I will file a complaint with Federal and State Attorney General 's offices.
I have disputed the following accounts with your organization and with the original creditors below. The creditors have failed to respond in the allotted time of 30 days as mandated by the FCRA. Certified letters were sent to the following creditors on the specified dates below : XXXX XXXX - Failure to respond to dispute ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) XXXX XXXX XXXX - Failure to respond to dispute ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) XXXX XXXX XXXX XXXX - Disputing all late payments reported on credit report ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) Copies of dispute letter and certified receipts of the above accounts are included with this complaint.
On or around the end of XX/XX/XXXXI pulled my credit report and noticed that Santander Bank is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from Santander that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. 

Complaint Description : I had a car loan with Santander Bank which was paid in full XX/XX/XXXX, Santander is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on Santander letterhead ) Santander has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of Santander Bank I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against Santander if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, XXXX, XXXX  and XXXX.
On XX/XX/2018 I received a call from this company. The representative stated their name, I have since forgotten the name. They hung up before stating any information regarding the call - simply their name and they hung up. 

I subsequently called back to see who was calling me. It is rare for me to get a random number calling. I got the same person, and said you just hung up on me - what were you calling about? She then asked who I was. I told her that I just received a call from her number, and the person identified themselves with her name. I'm not sure if the call is for me or not, but I was trying to find out. She said that until I was ready to identify myself on the phone she couldn't help me, and hung up. 
I called again, and asked for a manager. The person that I spoke with this time said that someone could call me back. I stated that I could hold. She said that they don't transfer calls there. So I explained that I am trying to understand the nature of the call that I am receiving. By this point, I had at least been able to XXXX the company to know that they are in fact at least a company with a website, but nothing that I have any knowledge of business with. I gave her the phone number that they called, and the representative confirmed that they were in fact calling for me. I identified that I am in fact the correct party and how can I help them? She then says she can't tell me why she is calling unless I provide my address and date of birth. WHY would ANYONE ever give an unknown person at an unknown company their address and date of birth when they have no knowledge of who they are or why they are calling??? I replied that she does not need that information and again asked how I could help. She refused to speak with me, and I requested no further calls from them as they refuse to state the purpose of their call. 
Upon arriving home I had a letter in the mail from Gold Key Credit. The letter informed me to the purpose of their call. My concern is that due to the extremely unprofessional manner in which they handle themselves, I instructed them to never call me again. A balance could of ended up reported to my credit, simply because the employees are to inept to identify the purpose of their call prior to asking for key personal identification information that most people will not provide without any knowledge of why they are providing such information. Since their managers don't take calls, this is the only avenue remaining for me to voice my concern.
I contacted customer service via phone to inquire about a promotion of getting XXXX XXXX miles upon opening the Citi Gold checking and meeting certain requirements. They told me I would qualify so I signed up online. After my account was opened and I received all my documents I sent a secure message asking about the promotion on my Citi Gold checking account. There was a promotion for XXXX XXXX miles or XXXX thank you points and I thought I signed up for the thank you points so I wanted to clarify with an agent. The agent replied via secure message that it was n't the XXXX TYP points that was attached to my account but the XXXX XXXX miles promotion was attached to my account. So, I continued to meet all the requirements set forth in the message the agent sent me and I never got the miles. Now when I inquire about it, they say I was n't meant to get it. They mislead me into signing up for their account with an offer they withdrew.
On XXXX XXXX XXXX this year I made a donation in the amount of {$1000.00} dollars to XXXX XXXX XXXX XXXX, TD bank mistakenly deleted my account in the amount of {$10.00}. I contacted Td Bank on XXXX at XXXX a.m. I spoke to a woman named XXXX. She advised me in 3-5 business days the remaining {$990.00} dollars would be debated and corrected. On XXXX I spoke to a man XXXX who stated the matter had been corrected and he would send me a canceled check I should receive in 3-5 business days. The check number XXXX, the number I called to speaks to all these individuals was XXXX XXXX. On XXXX XX/XX/2015 I received a letter stating the {$990.00} was debited from my account. I called XXXX XXXX and they had not received the balance of {$990.00} dollars as of XXXX XXXX. I called Td bank at the number in the letterXXXX XXXX, the letter was sent from : Td Bank XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. I spoke to a woman named XXXX at XXXX [ XXXX XXXX on XX/XX/2015.She said this would take a month to resolve. This is totally unacceptable.
I have never owed a debt to this company and they are harassing me. This is a scam.
Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XX/XX/XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help
XXXX XXXX XXXX died XXXX XXXX, XXXX, left property to daughter. Daughter went off to military. 
Brother, XXXX XXXX moved into property about a month later. Agreed to maintain property in her absence. 
In XXXX XXXX retired XXXX. Income drastically reduced. 
Maintained pretty well for XXXX years. Reduced income began to take its toll in XXXX. XXXX and XXXX began process of turning property over to XXXX since XXXX decided she would not be returning to the area. 
XXXX gave power of attorney to XXXX on XXXX/XXXX/XXXX. 
XXXX filed a quitclaim deed to XXXX on XXXX/XXXX/XXXX. 
XXXX XXXX XXXX contacted Chase about assuming and modifying the loan. They sent him a transfer, assumption and modification packet. 
For nine months, XXXX went back and forth with Chase to be sure he was getting proper documentation in place as requested. 
Things continued to go no where, and XXXX contacted XXXX XXXX in XXXX XXXX. 
XXXX continued to reach out to Chase and my SPOC refused to discuss case with XXXX XXXX. Claimed they did not have authorization. My counselor, XXXX XXXX, sent an authorization XXXX times and has yet to have a conversation with my SPOC. 
We continue to go back and forth and now I am receiving mail that my home is going into foreclosure. 
My account was not delinquent when I started the process. I am now $ XXXX delinquent.
I have been receiving as many as ten calls a day from various XXXX area code numbers. I called back and was told the agency was collecting on behalf of XXXX XXXX. I told the agency that I had nevery heard of XXXX XXXX and I wanted to see a copy of the contract. The said they could not produce a copy of the contract. I asked the agency to stop calling me as is my right under FDPCA and they refused. I asked the name of the agency since that information wasn't provided in any of their voicemails and they reused to provide either the name or address of the agency. When the agency called me today I asked them to send me a letter since was my only method of finding out who they were. They sent the letter which has an address from at least six years ago. Again I don't knw who XXXX XXXX is. from : Forward Movement Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Payment Arrangement I would be happy to provide a copy of the letter. I happen to be in the collection industry and the agency 's failure to provide me with documentation is an FDPCA violation. 

Again, I do not know who XXXX XXXX is and this agency refused to provide any documentation. The agency has a six year old address and I have not received any written notices. The balance letter the agency sent me does not have any language that complies with the FDPCA rules. This is the sort of tactic that in my opinion the CFPB was created to stop. 

Thank you XXXX XXXX XXXX.
A collection # XXXX was started by National Credit Systems , Inc. for an amount of {$5300.00}. This debt was for the apartment lease of my estranged adult son. I did not sign or cosign a lease. I called the landlord, XXXX ( XXXX XXXX XXXX ), and they were very apologetic. There was no cosigner agreement on file or any attempt to use my social security number or personal information fraudulently. They wrote an apology on XX/XX/XXXX and provided a release from National Credit Systems on National Credit Systems ' letterhead. 

Everything appeared to be fine until a derogatory report/collection action appeared on my XXXX credit report in XXXX of last year. I immediately disputed the report with both National Credit Systems and XXXX. National Credit Systems claims that I was removed from their collection and multiple XXXX representatives ( at least 4 ) have said that it would be removed from my credit report after 48 hours. It has not been removed and has affected my ability to obtain a credit card even with a XXXX FICO and otherwise blemish free credit history. 

Here is the fax cover letter I sent to XXXX : Ive attached two documents in support of clearing the collection action on my credit report with confirmation # XXXX. The debt is not mine. I did not sign or cosign a lease with The XXXX XXXX or ever live in their apartments. The XXXX XXXX started a collection action with National Credit Systems , IncXXXX and National Credit Systems erroneously tied my name to the collection action. They do not have my social security number, a signed lease, or a cosigner agreement on file. 

1. The XXXX XXXX wrote an email apologizing for the error and confusion. They instructed National Credit Systems to remove my name from the account and collection action. Ive attached that email sent XX/XX/XXXX. 

2. National Credit Systems complied and sent a retraction to me and The XXXX XXXX on their letterhead, dated XX/XX/XXXX, removing my name from the account and stating that they would no longer pursue me for the recovery of the account. They also stated that any derogatory credit listing would be removed promptly. Ive attached a copy of their letter. Several voicemails over several days have simply gone unanswered by National Credit Systems.

Please immediately remove the National Credit Systems , Inc. collection listing from my report. 

Thank You,
I am being billed by XXXX and Navient as well.I just had a Chapter! XXXX discharged in XX/XX/2017. I think I am being double billed?
A utility bill I had eight years ago was incorrect. It was a bill for the previous tenant that was living in my apartment, but was transferred to me. I disputed this with the gas company, but they quickly sold my debt to creditors. XXXX harrassing letters and several years have elapsed. The debt has not been present on my credit report for at least a year now. Eight years later, the debt has reappeared on my credit report. I have proof that the debt was not listed on my credit report, and then summarily reappeared with a false " from date '' of 2013. I was not living in the same state at the time of the false date. The company is listed under XXXX under different names. It is listed as TransWorld XXXX, and TSIXXXX XXXX. XXXX are appearing only for the first time this month.
Screen shots attached show that Prestige financial has been reporting late payments to all three credit bureaus. This account has been closed/charged off since 2014.
This collection company " clx systems '' seems like a fake company. Their website has a phone number, XXXX area code, that is disconnected. I tried a second number, XXXX, that is an automated system that just bounced me back and forth trying to sell me different products. I 'm starting to think this company is not real. All i want to do is pay the debt so it can be removed from my credit report but there is no way to get a hold of this " clx systems '' collection agency.
I am having a problem with my  Chase  Credit Card. Back in   XXXX   XXXX   I started getting charges on my  Chase Freedom Visa  credit card. The amount was for {$9.00} from "  XXXX   XXXX   XXXX  ''. I have been getting these charges all the way through   XXXX   XXXX   despite contacting  Chase   three  times. This company is  one  that I made a legitimate software purchase on   XXXX   XXXX   XXXX  . Apparently they decided to use my credit card info they had on file to fraudulently charge me {$9.00} per month forever. I never authorized this. I have spoken with  Chase  Credit Card services  three  times. The first time they said I would be reimbursed for all charges from My Choice Software and I was asked if I wanted to block all future charges and I said yes. I never received credit and called a second time, I was reassured my credit was coming. I got the credit but the first 3 months were not credited (  XXXX ,  XXXX ,  XXXX   ).  I got credit for  (   XXXX ,  XXXX ,  XXXX ,  XXXX  ) on the  XXXX  statement. When I called to ask about the first  three  months, I was told they were from too long ago. https : //www.chase.com/digital/fraud-security? wcmmode=disabled is Chase 's statement on  fraud  protection. There is no time limit listed on this page and I was first told I would receive credit for all charges. What 's even worse is they are still accepting charges from  XXXX   XXXX   XXXX . I have received new {$9.00} charges in  XXXX ,  XXXX ,  XXXX . I do n't know what to do to stop this.
I once had a joint credit card with my now ex-husband ( XXXX XXXX XXXX ) with XXXX   and XXXX XXXX XXXX XXXX in XXXX, PA. Per our marital settlement agreement filed in XX/XX/XXXX in XXXX County, PA, my name was to be removed from this account in some manner by him upon our divorce ( which was granted in XX/XX/XXXX ; see attachments ). Currently, my Equifax credit report shows this account as having closed in XX/XX/XXXX. However, I recently noticed that my credit scores dropped considerably, due to the creditor having reported a negative change in the account 's payment status and an increase in the balance. For example, per XXXX XXXX, my XXXX  decreased by 41 points on XX/XX/XXXX due solely to the increased balance of this account ( see attachment ). 

I filed a dispute about this information in early XX/XX/XXXX with XXXX, Equifax, and XXXX. The first two credit reporting agencies have closed my dispute and have made no change to my report, claiming that the account information is correct. I simply don't understand how this is possible -- my name has been removed from this account per court order and the credit bureaus themselves all list this account as closed. I do not bear any responsibility for this account as of the date of my granted divorce decree, and yet both XXXX and Equifax have refused to remove this negative item from XX/XX/XXXX from my credit report.
Trident Asset Management is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.
For going on 4 years now I have tried to dispute this loan. First off it should not be showing up on my credit report from the school itself when I took out a FAFSA loan and they are already reporting on my credit so the school is fraudulently trying to charge me twice. They kicked me out of school in XXXX after I went to class one night and would not let me finish my 3 classes I needed to graduate because they said they wanted me to go back to my XXXX taxes and change my filing status. That is against the law and unjust and not ethical and my filing status has absolutely nothing to do with the school. I did not drop out nor quit they would not enroll me into anymore classes due to this. I have disputed and appealed this so many times with no turn around from this school. This school is a fraud and they were in a class action lawsuit for a ton of reasons including fraud and lied about the lawsuit not being true. The school also shut down where I live at due to the lawsuit. I need them off of my credit report ASAP!!!! When I call their corporate office they won't even let me speak to anyone they immediately send me to their collections department and continue to fraudulently report and try to charge me. I am also disputing this with the Dept. Of Education as well. The sooner it is removed the better because I am about to sue them. I am sick of them and sick of these profit schools trying to get over on people. I hope they all lose their jobs as well because they are defrauding consumers. Goes to show that just because it has University in front of the name they are still fraudulent.