WillisBack/dataset-financial-user-claim huggingface dataset:
I fell behind on my payments with  my Macys cr edit card. I received a letter saying that I cold qualify for payment solutions and to call before  X/XX/17    ( at that point the account would be charged off & sent to collection s ). I  called on the  XXXX ,  XXXX  &  XXXX  between the hours indicated on my statement and letter, but the I got a recording that they were closed. On the  XXXX , I got a hold of someone who was surprised & told me that they changed their hours, but did not update their letters & statements. She also told me that I actually had until the  XXXX , so I was ok. When sh tried to transfer me to the dept handling my situation, she could not get through and sent them an email to call me betwee n 24-48 hours.  I did n't hear from them, so I called on the  XXXX . I was later told that they had called me on the  XXXX , as well, but I had just missed the call. I was also told that it would n't matter because it was too late ( even though I told them I had until the  XXXX  ). The representative told me I had to pay {$210.00} dollars on the phone with him, to be able o roll back my account- so I can apply for the payment solutions. I told him that I called several times, that I had just received a call and that I was within the timeframe. He still declined to help me unless I made a payment. I told him I was going to file a complaint. I decided to call and try to make the {$210.00} payment, but the new representative said that it was not going to help me either way. I also received a letter dated  X/XX/17   , asking me to call for a payment solution- also with the wrong hours etc.
There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 



There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 


There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX  tells me to contact the business to get it cleared up.
I am filing a complaint about a scam debt collection agency named Cavalry Portfolio Services , LLC. I looked up the address ( XXXX. XXXX XXXX, XXXX, NY XXXX ) on the Better Business Bureau site and it came up invalid. There is also another address to make payments ( XXXX. XXXX XXXX, XXXX, AZ XXXX ). I received a letter from them asking for {$6200.00} for a XXXX XXXX XXXX / XXXX XXXX XXXX account ( XXXX ) that I 've never had or owe. I would never make a payment as they ca n't fool me. I feel this agency definitely needs to be investigated as I do n't want them to scam innocent citizens.
Nearly  one year ago, I c ontacted the CFPB to inquire about specific transaction details regarding my mortgage that was purchase d by Goldman Sachs  on  XXXX   XXXX ,  XXXX  from  XXXX   XXXX   XXXX   XXXX   XXXX  .     The company has not provided an adequate response to my inquiry and representatives from the CFPB indicated that followup emails had been sen t to Goldman Sachs for a   response. Yet, no reply has been received.      Goldman Sachs was  asked to provide details about the dates that my loan was sold from its controlling interest (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    )  to  XXXX   XXXX   XXXX  .     Additionally, my loan that was purchased on  XXXX   XXXX ,  XXXX  via a securitized transaction did not include the note, as an assignment was ultimately crafted in  XXXX  of  XXXX .     The bank purchased a loan without ownership control of the note. So, I want to know how it was able to sell the securitized mortgage notes / trust without ownership.
I have a checking account with t d bank, put the money at the atm XXXX took the money posted on my pending checking account and then in my checking account. gave me the white slip and did not give me the money back. there was an error message but the atm still kept my money. I put the money in the t d bank in XXXX, nj and went there in person today and told them and called the XXXX number too. I still do not see my money back. I feel as though the bank stole my money. there should be no issue as to the money because it was put in my account posted and used for my rent. they took it without a word to me. I need it back into my account as I have bills to pay
Dear XXXX : I can not pin it down, but however I feel that I am taken for a ride. I had purchased a TV from XXXX for {$600.00} and financed it through Tide Water. I paid the loan that I owed and I am still receiving payment notices in the mail. I asked them what do I need to do to conclude the matter and close the account and the representative said to me if you pay today {$81.00}, XXXX XXXX XXXX dollars and XXXX cents, plus XXXX dollars processing fee ; I can finalized the account. [ {$73.00} + {$8.00} = {$81.00}. I told her that I can only make the payment on the XXXX of the month, since the due date is on the XXXX ; I should still be on time. She said if I did not make the payment today, right now on the phone, she can not guarantee that the amount that I owed to be the same. 
I asked her how did she came up with the {$73.00} balance ; since I had already paid {$100.00} the month before after the loan amount was paid. She said that it was a fee for paying pass six months. The amount changes arbitrarily ; she could not give me a definite amount for the late fee. 
I feel that it is a deliberate effort to take money from me.
I had a vehicle loan through Santander Consumer USA, during the loan I had some problems making the payments due to my XXXX. Santander was never very good at working with me on the situation. Often times my whole payments of {$580.00} would go straight to interest, this happened months in a row. ( I found that mathematically impossible ) I really felt like Santander was ripping me off because of the situation I was in and my bad credit. On XXXX XXXX, 2015 they received a letter from me as a last resort, to work with me during this time. I requested that Santander respond via letter outlining any options they might have. I received no response from them, ( after the repossession they lied and said I did n't communicate with them ). Soon after they sent a recovery truck to repossess the vehicle at night ( I offered early on to surrender the vehicle if no agreement could be made ). They took the vehicle which had personal belongings of my wife and I in it. They also did n't inform us on how we might get them back, we never got them back. We also received no notice on when/where/or how much the vehicle was going to be sold.. They followed no WA repossession law that I can tell ... I have read that Santander has optional payment protection plans which would have helped me in this situation ... Which I was never offered in the first place ... I feel like Santander took advantage of me because I am injured and XXXX. They now claim I owe almost {$10000.00} for the balance they could n't get for the vehicle, they have assigned it to collections. I do n't believe I owe the money based on the fact that they did questionable things during my loan and ultimately broke the law in regards to the repossession.
I am currently struggling to make my mortgage payments to my lender for a legit reason. I had a accident at my place of employment in XX/XX/XXXX and I did recover from it all and then I went back to work and was receiving very small checks from workmans compensation during this time period but not enough for me to make my payments. 
So in XX/XX/XXXX my lender SPS offered me a Trial Plan and i could not afford this either due to not being able to work at this time, I then went to apply for XXXX   XXXX and this is what i now receive today for income with a little help from my wife with her business she has but still not enough to make this affordable for me to able to stay in my home. I am also getting rental income and that is it. 
In XX/XX/XXXX I applied and i was approved for a RE Payment plan of payments that there is no way i can afford to pay. I then opted out of the repayment plan knowing the lender set me up for failure to not make such large payments to them for 12 mos ( see the attached agreement ) I then re applied again for mortgage assistance cause i am doing all i can to get a affordable payment for me with the income i am receiving now. I had been getting income from my daughter but she is no longer living with my wife and I. So i lost her assistance as well. Per the call to my lender SPS they told the 3rd Party AHR that they will not in any reopen my file for any mortgage assistance at all they will only give me liquidation options ONLY. that is it do short sale or Deed In Lieu and i want to keep my home in some way it can be more affordable to me and my family.
I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are XXXX XXXX XXXX acct XXXX and XXXX XXXX  acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect. I filed a complaint previously about the same accounts with CFPB & they did nothing but the same thing over again.
I first got this loan in XX/XX/XXXX when I first attended XXXX University. XX/XX/XXXX I could not afford to attend the school any longer for how expensive it was. I got the loan through XXXX XXXX who is Navient and could only get approved if I had a co-signer. I had to put the account in forbearance because of payment to high. I had to do a deferment because of the payment to high. Once I was able to finally make a payment that fit into our budget each month and came out of our account directly they went and up the amount AGAIN without any notice and no negotiation whatsoever. They would always say, 'well can your co-signed pay it. ' My co-signer being my father is unable to pay anything because he was force to quit his job to an injury that made it impossible for him to work indefinitely. They do n't care about that. So they put a lean on his house. Then my mother passed away and that made matters even worse. They still do n't care about that. Low and behold they canceled my repayment plan I had going for a couple years and upped my amount once again without notice that is literally almost impossible to pay. They said there is no way out of this one and I have to pay it or they will start garnishing wages and start to take personal belongings from my father as collateral. So I have literally not paid other bills so I can make sure this one is paid each month. Not to mention that I am married with XXXX children under the age of XXXX on one income. Again, they do n't care. This loan is literally the thorn in our flesh everyday.
I purchased a ring from XXXX XXXX in XX/XX/XXXX. I returned the ring within 14 days of purchase and closed the account. I was told all fees and charges would be credited to my account. When I received my XX/XX/XXXXand XX/XX/XXXX monthly statements I saw there was still an outstanding amount of {$2.00}. I contacted XXXX XXXX customer service. They indicated this was a mistake on their part and to please disregard the statements. When reviewing my credit report today I noticed I now have a late fee that has been added and the report indicates I am 30-60 days past due. I contacted XXXX XXXX  again today and the representative stated she inadvertently reported this incorrectly and realized her error AFTER she submitted the information to the credit reporting agencies. The XXXX XXXX   representative indicated she is unable to rescind the submitted information to the credit reporting agencies The rep. indicated they have removed and credited all fees to my account as of today, however I would need to initiate the correspondence to have this removed from my credit reports. The representative stated XXXX XXXX will be happy to confirm this error to the CFPB, FTC, and credit reporting agencies by contacting them at XXXX
My husband and I applied for a mortgage loan with Wells Fargo, were approved for a determined amount and were advised of a monthly payment based on that amount. I inquired about whether or not the monthly payment was accurate because it seemed too low, and was advised via email and via telephone that the monthly payment was accurate. We built our house with that understanding but once complete and we were to sign paperwork for our mortgage loan, we were told they miscalculated our monthly payment and it would actually be {$300.00} higher than what we were quoted.
XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Card Ending In : XXXX There is no balance owed on any of my credit cards by any bank as showing by Credit Bureaus
I have made several attempts to contact Transition to request that they remove duplicate information from my credit report. They are reporting XXXX sets of derogatory information from XXXX XXXX and XXXX XXXX. They are the same account and it should only be listed once. The XXXX negative listings is having a negative effect on my credit score.
On XX/XX/18 I called Equifax to request a credit report and a credit freeze, with great difficulty regarding the language barrier of the Equifax staff, I asked to speak with a supervisor. Continuing to have difficulty regarding the pronunciation of my name, I spelled out my first and last name. 

My report came and on page 6, Personal Identification Information list, " name on file '' which is incorrect. On the same page below my address it list " formerly Known As '' with my correct name.

On page 2, it list a name that is not mine. 

I called Equifax again, with the same difficulty of attempting to resolve my concern. It is unconscionable that what is apparent that the agency to monitor credit has been out sourced to another country. The difficulty in attempting to spell out my name and provide information all the while having concerns that the information is not being understood due to my pronunciation and their pronunciation of letters is unprofessional.
Experian is refusing to remove an old account XXXX XXXX account number XXXX that is not attached to another account and it has been on my account since 2005. I have never paid on this account nor am I familiar with it. I am asking for it to immediately be deleted from Experian report. I am also attaching a case number for a police report, for fraud and fraudulent inquires, please apply extended credit for seven years to credit report.
All of my original loans for XXXX school were obtained under the FFEL loan program. When completing my XXXX XXXX, the Public Service Loan Forgiveness program became available. I began repayment in XX/XX/XXXX under the impression from Great Lakes that I would qualify for PSLF, so I make career plans to work in XXXX in an academic setting,  balancing the lower pay with the opportunity for forgiveness. I contacted Great Lakes annually for Income Based Repayment ( which then became Income Driven Repayment ) qualification, a requirement for loan forgiveness, each year confirming that my loans would qualify for PSLF and I received confirmation each year from Great Lakes that my loans would qualify. Unknown to me, the federal requirements for PSLF changed in XX/XX/XXXX to require all loans to be Direct and serviced by XXXX XXXX. Had Great Lakes let me know I would have consolidated my loans in XX/XX/XXXX and completed payments. Instead, working under the impression given me by Great Lakes that my loan payments qualified for PSLF, I continued making monthly payments. This spring I checked in again with Great Lakes knowing my 120 payments would be complete soon after 10 years of payments. For the first time in 9 years of yearly checking with Great Lakes I was informed that none of my loans qualify and I am left having made minimal payments on my loans under Income Driven Repayment, accruing increased interest and leaving me with 6 more years of loan repayment, and no hope of loan forgiveness. I love my job but my financial plans are turned upside down because of the repeated and consistently bad advice I received from Great  Lakes. I have no way to know if the bad advice I received was intentional or simply benign neglect, but there is no doubt that Great Lakes received more income due to my intelligibility for forgiveness than if they had give me the information i needed to stay on track for forgiveness. I now have {$100000.00} in remaining payments that I never expected to pay.
My payments through XXXX 2016 my payment was XXXX where a percentage went toward the principal and an additional percentage went toward interest. As of XXXX XXXX, my mortgage company changed my payment from XXXX to XXXX and put it all toward interest, with nothing going to the principal. They did this without contacting or notifying me of any changes.
Money was wired on XX/XX/XXXX. It is now XX/XX/XXXX and neither bank knows where my money is. They both keep blaming each other and Im out $ XXXXUSD. The bank manager actually told me yesterday I might be out of luck. This is supposed to be a secure place to keep funds not the stock market. If I dont get this money back soon it will break me and probably put me in bankruptcy. PLEASE HELP!!
GC Services Collections for  XXXX  {$2600.00} rounded Balance was discharged through Chapter  XXXX  I have disputed this item 4 times I also never received a collection notice before it showed up on my credit report
I have a credit card with XXXX XXXX with a credit limit of {$2500.00}. I opened the account back in XX/XX/2017. I used most of the credit limit but never going over it. I have made payments totaling {$2100.00} in the first 9 months of having this card, at this time my pay off amount is {$2900.00}. It is incredible that their interest and fees could be this much. I requested to have a payoff amount and they denied it. I can't believe a credit card company is able to get away with this. It is worst than a loan shark.
I am retired  XXXX  member with a account in Army and Air Force Exchange Service Collections Dept. I have been in a financial hardship and in financial dire straights since garnishment of my  XXXX  benefits began from AAFES back in  XXXX    XXXX  . I only have my  XXXX    XXXX   pay and   XXXX   Benefits to live off. I have not been employed for the past 2 years Since my balance is well below my original  Military Star  account credit line of {$5000.00}, however, AAFES is continuing to garnish my pay  XXXX  Benefits for {$240.00} per month plus charging interest on a non active closed account. The company is causing me a serious financial hardship. I am not asking for the collection to stop, just for a account adjustment on the monthly collection payments now that my balance is now only {$2500.00}, Can you please authorize normal monthly credit card payments based solely on my current balance, as the credit card payment center would normally charge? The current of {$240.00} be collected is causing a extreme financial hardship, my balance has come down, however, I have bad payment history because simply I have no incoming affordable income to to pay account off. I am requesting one of the following : Sell my current loan account to another finance agency, institute regular credit card payments on my current balance, authorize a lower payment, lower my interest rate, or just simply accept what I can mail in for payment, but please stop the collection garnishment. As of right now, now I can only afford to pay a normal credit card payment based on my actual current balance until I gain reasonable employment.
On XX/XX/2018, I did a balance transfer for {$1400.00}, however ( XXXX ) debited me twice and started charging me interest on the mistaken debit, as if it were a purchase. I called them to dispute this and they agreed that there was an error on their part and would credit me the {$1400.00} plus any interest ( {$140.00} + two addition months @ {$20.00} ) charges ... which they did. However, they reversed the credit last month. I called back and spoke to a supervisor last week, who didn't understand why they would reverse the credit. He said he would email the person directly who reversed the credit and hopefully, within a week, I would see a permanent credit and the problem would be resolved. To date, I haven't received the credit and I feel I'm getting the " run around. '' This has been going on for about a year and I have been very patient. 

Yesterday, I received a letter ( attached ), dated XX/XX/2018, saying that " After careful investigation, we have determined that you are not responsible for paying the disputed amount. This adjustment has been made to your account, including any related charges and/or fees, as applicable. '' Checked my account today and no credit is issued. I called today and was told that because they re-issued the dispute that it could take another 90 days, before things are resolved, despite them acknowledging that THEY made a mistake in a letter. 

NOTE : I was told by a CFPB to refile this complaint.
XX/XX/XXXX, I made a substantial payment to the holder of my second mortgage to the tune of approximately {$370.00}. After that payment was applied, the remaining principal balance was {$1.00}, as evidenced by my XX/XX/XXXX statement. I subsequently paid {$1.00} in XXXX, and the payment was received by the company on XX/XX/XXXX. In XX/XX/XXXX, I received a statement indicating that a principal balance remained of {$0.00}. This would be impossible as my interest rate in around 6 %, and {$0.00} would not accrue on {$1.00} principal in one month. I have contacted them XXXX time since : XXXX times the individual agreed that the {$0.00} was in error ; the last time she said the only way to resolve was a payoff. Frustrated, I ordered the payoff. Although {$0.00} is not a lot of money, if this company handles all clients this way, it is making a substantial amount of money.