WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I paid XXXX a collection agency to be removed from three co signed XXXX XXXX loans. In XX/XX/XXXX, the loans were still on my credit reports. I disputed with all three credit bureaus and XXXX XXXX. XXXX said I had a XXXX  balance, and I was not attached. All three credit bureaus said that XXXX told them the account was charged off/ and I still owed a balance. In XX/XX/XXXX, my lawyer was contacted by a collection agency trying to get the money again. In the years XX/XX/XXXX-XX/XX/XXXX, I have been denied credit because of this and as one bank personnel stated, This is the only negative thing in you report, it seems uncharacteristic based on your report. So finally I disputed it again. Now my credit reports have added the interest on the loan and my loans state that they are still currently charged off and I owe even more interest. My credit report score went down for the dispute.
I bought a car on XX/XX/XXXX and it was financed thru Wells Fargo Dealer Services for 66 months with the first payment beginning on XX/XX/XXXX. The ORIGINAL maturity date would have been XX/XX/XXXX however I had 3 deferred payments, not in a row, and at time of each deferment, I had to pay an interest fee. I also received paperwork each time which extended MATURITY date by one month with the FINAL MATURITY DATE being XX/XX/XXXX which is 3 months from the ORIGINAL MATURITY date. I have ALL paperwork documenting deferments, vehicle contract, etc. I made my last payment and have been patiently waiting for my title. Imagine my surprise last Monday, XX/XX/XXXX, when Wells Fargo called to say I was 22 days late with my XXXX  payment!!! I explained to the customer service rep that I had made all 66 payments therefore no longer owed any additional payments. This is when the chaos really begins. She insisted I owed 3 MORE payments!!! I asked to speak to her supervisor, XXXX, she also said that the account was past due but she had a different figure. The next several people we spoke with - all had different figures but nobody could come up with WHY or where their figures were coming from. We spoke to XXXX, a Supervisor in the ( XXXX ) area code who counted the payments while we were on the phone and acknowledged that YES, all 66 payments had been made so he did not understand what was going on with the account and suggested we call the Office of the President. And it really got worse from here. XXXX from the Office of the President opened up a complaint for us and she was awful. She insisted that my original MATURITY date was XX/XX/XXXX and add the 3 months deferred to that and that 's where the money I owe is coming from. It 's basic math. XX/XX/XXXX to XX/XX/XXXX is 66 months. Add 3 months. You get XX/XX/XXXX - not XX/XX/XXXX. Plus I have record of all 66 payments so here I am - no car title ; Wells Fargo steadily calling me every day saying I owe them money but not one person in that company can really explain how they got to this even when asked how it is I 've paid 66 payments and 3 more payments makes 69 and not to mention what this is doing to my credit score. I have a daughter in her XXXX XXXX at XXXX XXXX who relies on me for Government loans and if my credit is steadily being ruined, then I can not quality for her loans. Please help me. This is beyond ridiculous. Wells Fargo Dealer Services HAS GOT to be held accountable at some point.
This company, XXXX XXXX, has used deceptive practices and also won't verify the debt, all while reporting the debt to the credit bureaus on a monthly basis.
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$470.00} This account has wrong balance and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ( XXXX ) ACC BAL {$260.00} This account I have never done business with this company I have no contract with XXXX please delete . 
3.XXXX ( XXXX ) ACC BAL : $ XXXXThis account is a HIPPA Act Violation. Please delete error. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.
Currently my husband and I are behind on our mortgage due to my husband being out of work and having a disabled child which requires a significant amount of medical expenses, therapies, and a special diet. I tried to make a payment via phone for XXXX month and I was told that the company will only accept atleast two months of payments which I could not afford at the time. I think received a bank check from my bank and mailed it in for a payment at which time the payment was returned with a letter stating unless we can pay the full amount that is past due in full which is {$7900.00} then our home will go into foreclosure. 

We claimed bankruptcy in XXXX XXXX and I have n't been offered any other payment options other than pay in full which I am unable to do right now. We do not want to lose our home and we are willing to pay.
Call protect blocked 14 calls from this number in less than one minute. Blocked it as severe fraud. XXXX   the phone number and saw several reports of it belonging to XXXX XXXX  XXXX. I can provide screen shots of the call logs from my phone.
I have requested my credit report several times from all XXXX major credit bureaus, however, I have only received responses XXXX Experian. I have sent in all required documentation at least 3 times but I have not received any response. I understand that I am entitled to receive at least XXXX free annual credit report and that I am also entitled to receive a credit report anytime I am declined for credit and also when I add a security alert to my credit report. I have cited all XXXX reasons to TransUnion and XXXX and I still have not received my credit report.
I never received any information with respect to this debt prior to it being placed on my credit report as a collection account. I was told by a mortgage lender as I was seeking pre-approval for a home loan, that a collection account with XXXX XXXX was on all three credit reports and provided me with the information regarding the creditor. I proceed to request debt validation and submitted a proposed settlement offer to pay the balance in full provided the debt could be validated as requested in the letter. The company responded with a letter written in " Spanish '' and what looked like a screen print of an account balance from their own system nothing from the original creditor nothing with respect to the debt being purchased or assigned to them, nor did it have any details that I was the owner of the debt. Not only was there no information regarding validation but I was deeply offended that it was sent to me in " SPANISH '', I wrote them a well written proposal in " English '' and I have NEVER placed on any documentation anywhere that " SPANISH '' is my preferred language of communication. I found this to be incredibly racist as well as an prime example of discrimination toward me as I have a XXXX last name. This is likely a stall tactic as they can not validate the debt, and would prefer to attempt to sell this invalidated debt to another debt collector as they know they can not legally collect on this debt.

I have attached PDFs of the letters that I submitted to XXXX XXXX and I would be happy to provide their response letters, and the certified mail return receipts as well.
IC System, a collections agency, has continued to contact me despite the fact that I am not past due on any debt assigned to them. I was incorrectly refered me to them about installment debt that was paid. I have informed IC System of this and demanded that they cease and desist all communications regarding this matter.
I took out a loan from XXXX XXXX for {$400.00}. I was told there would be a {$140.00} service fee but after the loan was complete I received an email showing I will be paying back a total of {$1800.00}. I have to date already paid back a total of {$560.00} but they are still deducting money from my checking account. They are charging an interest rate of over XXXX %. The company has now changed names to Big Picture Loans.
Earlier this year, as I was attempting to clean up my credit report, I noticed a couple of adverse items. XXXX of these items was from Wells Fargo. There was an open account with a balance of over {$7000.00} from XXXX. There were no late payments and the report indicated that the monthly payment due was {$0.00}. After investigating, I found out that this was for a car loan I had co-signed for with my now ex-wife about a year before we divorced. I contacted my ex-wife and found out that the vehicle in question had been in an accident, totaled by her insurance company and the balance paid off in it 's entirety. Since no activity was showing on this account since XXXX ( over 6 years ago ), I disputed the item with the credit bureau to have it removed from my report. 
When the credit bureau contacted Wells Fargo in XXXX, Wells Fargo instead of clearing the account or marking it as paid, they charged off the balance to {$450.00} and then " wrote off '' the remaining balance. Whatever they did to " balance their books '' caused an even further adverse affect on my credit report, causing my credit score to decrease XXXX points overnight in XXXX. 
I contacted my bank about this situation, and they informed me that what Wells Fargo did was illegal, and they gave my the information to contact you.
In dealing with XXXX, and now Navient in regards to my private student loan, I have been charged an exorbitant amount of fees and late charges due to the mishandling of my account. While trying to resolve any matter or request assistance from a representative, I was always quickly rushed off the phone. Its like they are not allowed to speak with a customer for more than 5 minutes. The representatives at Navient were always quick to push me into a forbearance but never offered any other type of program that may make it easier to afford my loan. Even while on XXXX with the XXXX, the only program offered to me was forbearance. Whats worse, is that on my last XXXX, my forbearance that I thought was for the duration of my orders, was only for one month. After I returned from XXXX I found my account severely past due and I owed months of late fees. You would think that when you are 60, 90 days past due they would make an attempt to call you and resolve the payment issue like most creditors do. Not Navient, they seem perfectly happy with you as long as they have their late fees on top of the interest which never stops. 
Another issue is that they offer no assistance if your on a private student loan and have a XXXX student loan repayment contract. The XXXX is kind enough to make one large payment a year to my loan, unfortunately, Navient does not allow this one payment to be the sole payment for the year, even though it is 3x larger than the sum of my regularly scheduled monthly payments. Perhaps they do offer a program for XXXX, but I would never know because ever rep at Navient has a different way of pushing back when I ask about it. So for now I continue to make monthly payments even though the XXXX has one for me at the end of the year. With all the interest and fees I have been charged, my {$30000.00} XXXX student loan bonus is almost used up and my original {$25000.00} student loan is nowhere near to being paid off. 
Navient appears to be one of those companies that if you call them 5 times, your going to get 5 different answers. In dozens of calls to them, the main option presented repeatedly was a forbearence, which may offer temporary relief, it actually just digs you deeper in debt, which appears to be Navients goal.
I received a letter drafted XXXX/XXXX/XXXX that my mortgage company did not pay my XX/XX/XXXX property taxes from my reserve because of : " undivided parcel number/please send new tax bill, if applicable ''. I retrieved the bill from XXXX XXXX XXXX assessors website and faxed it to the mortgage company on XXXX/XXXX/XXXX ( I had sent a page earlier, but it was for the wrong building as I own XXXX neighboring buildings ). On XXXX I noticed the bill had still not been paid, so I called. I was told that they would " open a work order '' ( 8 days after receiving the proper paperwork? ) I checked again today XXXX, and it still has not been paid, so I called again. They are claiming that the parcel numbers do not match between the tax bill and the closing documents so they are " researching '' it. When I asked if they had simply called the county, they would/could not tell me. 

The bill was due in XXXX, and they still will not expedite the payment. What can I do?
On XX/XX/2018, Chase charged me {$34.00} for each for two insufficient fund fees. The funds were available and they reimbursed me. I asked for statements from past accounts so I can see if this happened in the past and they are charging me to get those statements.
Equifax is ignoring my requests to investigate and remove fraudulent inquiries from my credit report that were not initiated by me.
I am in the process of applying for a home loan refinance with Chase bank and even though I have submitted all of the documents that they requested within two business days or less, I was informed that they needed more information. That was provided by the next business day however, I was then informed that I did n't submit all required documents within the 10 day limit and that I would have to pay an extra {$780.00} to keep my loan going. Now, I have submitted all additional documents and even though I still have 3 days remaining on my " rate lock '', they are telling me that I will have to pay for another extension to keep my loan going. 
All of the extra documentation was submitted as of last week and I was told last Thursday that my file was going to be reviewed on Friday. 
However, the reviewer did n't get to it on Friday because she had XXXX many files to do that day. I e-mailed asking why my file ca n't still be reviewed if I still have four days left until my " rate lock '' runs out and I 'm told that it they need an extension in order to finish my file and set up the closing. 
I have e-mailed the loan officer and the loan manager several times but ca n't get any other answer than that my file ca n't be finalized in the next 3 days before my " rate lock '' runs out and that they will need to extend the lock date at my expense. I have already been charged an extra {$780.00} ] to extend my rate lock due to Chase not being able to meet their own time frames and now they are trying to charge me again for another extension when I am in full compliance with their requests for information and they ca n't meet their own timeframes. I e-mailed the loan department manager and informed him that this is unacceptable and there is no reason that they ca n't review and finalize my file in the next three days that remain on my rate lock, especially since my file was set up to be reviewed last week. 
I have not ever once heard any response from this department manager on any of the e-mails that I have sent him or copied him on and still have no reason why I need to pay for an extension when there are still 3 days left on my rate lock. 
I 'm very disappointed, frustrated and angry with this whole application process and do n't see any reason that I should have to pay yet another penalty to Chase when I have been in complete compliance with all of their requests, etc. 
I really believe that my loan application with Chase is being mishandled and that I 'm being fraudulently charged for penalties that are not due to my timely response to their requests but to Chase 's inability and even refusal to act within their own timeframes. 
I do n't know what else to do. I want this loan but I really feel that I 'm being ripped off here. I did agree, reluctantly to the first penalty. However, I just ca n't give Chase another almost {$1000.00} when they still have 3 days to finish my loan and are refusing to do so. 
I really need someone 's help here. 
PLEASE HELP!
took this payday loan of {$600.00} back in XX/XX/XXXX. As of XX/XX/XXXX i have paid the full {$600.00} however.. the interest rate is going to be extremely difficult as I just recently became unemployed and i still have another 6 weeks of paybacks that i can NOT afford,. i have XXXX  little girls and a household of financial responsibilities and i can not pay those payouts of {$200.00} each for the next 6 payments,. paying back another {$1200.00} is something i can not afford right now and am not even sure if a interest rate of a about 110 % is even right. please help!
Portfolio Recovery has sent me mail about debts that were part of a bankruptcy that got dissolved. I took their initial calls and stated that when I recognize I still owe the debt and to contact me by mail for any future collection efforts. For the last 6 months I receive multiple calls per day, 7days/week from various numbers. I am not able to answer them. I have gotten reports from family stating that they are now receiving multiple calls asking for all kinds of personal information, not just an address. Since requesting them to mail me anything I have not received one letter from them, just constant phone calls. I have an entire list of their numbers blocked in my phone. I am going to be sending a certified letter to cease communication.
On XX/XX/2017 I received a letter from Howard Stomel Attorney at Law reference a XXXX XXXX Credit Card account. This letter indicated an amount that was not correct, and I am disputing this amount with this attorney. I have tried to correct this amount in the past with the original creditor, with no success. The total amount owed is only {$13000.00}. Mr XXXX is advocating along with XXXX XXXX that I owe double that, when a settlement agreement was reached for only 50 % of the original debt amount.
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, Experian and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
I was scheduled to close on a house on XXXX/XXXX/16. I signed all the closing documents and paid my closing cost with a cashier 's check ( I have copies of all my signed closing documents already ). As the title company tried to fund the closing they discovered they could n't because JP Morgan Chase did not send the CD to complete closing despite the countless calls and emails from both attorneys. Now I 'm out of my closing cost with no house, I 'm staying in hotels which is costing me more money, taking days off work for nothing at all and all Chase is doing is coming up with false excuses as to why this happened and has still not sent the CD which all parties are frantically awaiting. PLEASE, PLEASE, PLEASE, if you can help get this resolved so this close can happen very very soon, I, the seller, the attorney 's, WE ALL would be so very greatful.
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
I purchased my car in XX/XX/XXXX. The loan is through Ally. I have had nothing but problems with this loan from the beginning. My payments were not being applied to the account in a timely manner. I resorted to mailing most payments by priority or certified mail. ( When I could do so. ) Again, a payment has not been posted to my account. This payment was mailed on XX/XX/XXXX. I have requested a " pay-off '' amount. Just to get this loan away from Ally. I have not received that as of today. Phone calls from this company originate from off-shore and I do not supply or confirm any personal self identifying information over the phone. ( Especially to someone located outside of the US, that is unable to speak and understand English in a clear or concise manner. ) There is approximately XXXX attached to this loan in late fee 's, which I believe is intentional on the part of Ally. I also believe that some of the actions by Ally, are due to my age and gender. ( Age and gender discrimination. ) I have never had as many problems with a company as I have had with Ally. I want Ally to furnish the requested pay-off amount, so that this account can be closed with this company as soon as possible. I am also requesting that a itemized statement concerning the late fees charged to this account, so that they can be compared with the postal receipts. Ally, needs to be investigated for the way they treat their older female customers.
We are trying to payoff the reverse mortgage on my deceased mother 's home. Champion reverse mortgage refuses to provide the payoff amount even though requested verbally on the phone and in writing by fax XXXX. They continually state they have not received a request although they have acknowledged other information in the same fax. 
We have verbally requested how to make the payment and wiring instructions for the payment and they outright refuse to provide the information. 
Champion is proceeding with foreclosure while refusing to allow us to pay the mortgage balance.
My  XXXX  credit credit card account which was in good standing has been closed since    2011. I want it removed from my credit reports. When I applied for a credit card limit increase I was originally denied because of the  XXXX  credit card account on my credit reports even though it was closed since 2011.