WillisBack/dataset-financial-user-claim huggingface dataset:
I have been with Seterus for several years, I guess they bought my loan from my previous servicer. In the last few months they have made accounting errors and they are unable to fix them. It gets worse with every call I make. My principle has actually gone up and they ca n't figure out why. Even though I make more than the monthly payment required every month. I make {$1000.00} payment every month, for the last 5 years it used to apply to the monthly payment due and the rest towards principal. Now they apply it towards future interest. After calling and asking them to apply it the old way they said no problem. But the problem has not been fixed. After the second call they actually did a reversal that added {$1400.00} to my principal. So let me get this straight : I make more than the monthly payments due and now my principal is going up. Is n't this basic math that you learn in elementary. 
It 's sad that we as the consumer have to waste our time and money trying to fix mistakes made by these financial institutions and in the end we almost always end up losing. I can already see the future : I will have lost {$1400.00} and the will add late payment fees to my account.
The collection agency is listed as " XXXX '' on my XXXX credit report. I have no idea what agency this is or what the debt is in regards to. I have disputed this collection with the credit bureau, but to no avail. How can I research this if I do n't even know the name of the creditor? Mysteriously, this debt showed up as I was applying for mortgage loans. I have done my due diligence in trying to get this resolved with XXXX, but they are perplexed as to who this agency is also. It is not fair that a " ghost '' collection agency can add derogatory items to my report without a proper name or a way for me to contact them.
I called on a damaged item and was fought with for not being able to hear on the XXXX   system nor headsets. I was transferred 10 times and when I got someone in dispute who fought with and since it had lost connectivity from 10 transfers I could not hear at all. 


The Dispute dept would not call me back. Her name was XXXX. 


It is a lousy 5.50 nightmare. 


I can not take any more of this fighting. 


I believe that they wrote this off, but my point is the nightmare of not being able to hear and fought with and bad connectivity and I honestly could not hear them. 


When phones are transferred over and over again, the sound quality is horrible. 


When on a XXXX  system 10 times it dose lose connectivity and a deaf and hard of hearing person honestly can not hear. Why such a fight please. It is not right at all.

I was on the phone for close to 2 hours before getting any help.
This abuser posts Every month a past due payment for a storage unit that i was told was illegally sold by the storage place after I paid a amount less 1 months amount to the manager on duty, and he even emailed me by electronic communication that he took our items off the auction list, and in fact we had SIGNED a ELECTRONIC NOTIFICATION agreement for us to be notified of Any issues by electronic email instead of paper mail aka letters which the manager at the time XXXX XXXX XXXX also signed and a XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX California XXXX. 

When we went to pay the amount due after paying them XXXX the month before plus XXXX the nextday, he said oh my we went and sold your items anyhow, even though we have their emails 2 weeks prior saying to me to get well, no worries we are fine which i still have the electronic communication which is the legal way to notify us of any issues, and they meaning the XXXX XXXX managers used the email electronic communications INSTEAD of emails as in the contract signed to Decieve and to us to lose our personal property and childrens heirlooms. 
Now their collection agency AWA collections are billing us on a monthly basis for the past four years as if they still have our property in the units, so either they should IMMEDIATELY NOW produce our items if they are still charging us, or cease placing False information on the credit reports that we are past due every month, if they have our items still, which included our person documents and photos of our babies and our clothing Advise us, since the personal items Where NEVER RETURNED as prescribed by law that had no vaule of interistic except to us, and then if there is nothing in these units, then stop placing what amounts to False and MISLEADING information that the units have our items still inside, if they are then they meaning the storage company staff lied to us and just took our money.
I have an account with Fedloan Services for my student loans. On XX/XX/XXXXI was granted both a delinquency Forbearance and a general forbearance with dates of XX/XX/XXXX-XX/XX/XXXX ( can provide letters ) On XX/XX/XXXX I was granted another delinquency forbearance and general forbearance with dates of XX/XX/XXXX-XX/XX/XXXX ( can provide letters ) Both of these are still showing as 90 days late on my credit report even to they were in forbearance ; the Fair Credit Report Act Section 623 ( a ) ( 2 ) seems to support the removal of previous negative credit history. It is my understanding of law that- Some cases the new information corrects a report that was erroneous ( e.g., the loan was wrongly reported as delinquent, because a deferment authorized delayed repayment ), and in others the subsequent information updates a report that was accurate when it was made ( e.g., the loan was correctly reported as delinquent, but has subsequently been paid ). You ask if the school must report the updated information to the original credit bureau, and if that agency is required to accept the data. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. I have requested Fedloan to update this information to the Credit Bureaus and they have told me twice they would not update my credit information on dates of XX/XX/XXXX and XX/XX/XXXX.
Had difficulty filing dispute with EquifaxPaid off all doctor visits that continue to appear on my XXXX XXXX and other account in collection through XXXX : XXXX
Experian is reporting inaccurate personal information on my credit report. I tried to dispute it online but it would n't come off. 

Incorrect or Misspelled Names : XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX, VA XXXX XXXX XXXX, VA XXXX XXXX XXXX, VA XXXX
National credit system is staying that I {$11000.00} for an apartment that was vacated..and given a ample time to get the apartment re-rented ... the amount is incorrect and I would like proof of the amount also whenthe apartment was re-rented after it was vacated I have disputed this with XXXX XXXX.XXXX and XXXX and they all say verified but no paper work is provided of proof showing the amount owed..in detail..
I WAS CHARGED ON MY MASTER CARD ON XX/XX/10 FROM A XXXX XXXX XXXX FOR XXXX I HAVE NO IDEA WHO THIS SAID COMPANY IS AND I NEVER DID BUSINESS WITH THIS SAID COMPANY OR NEVER AUTHORIZED THIS CHARGE AND I HAVE NO IDEA WHERE THEY GOT MY CREDIT CARD INFOMATION FROM. I CALLED MASTER CARD AND REPORTED FRAUD ON THIS CHARGE AND THEY NEVER DID ANYTHING FOR ME, I RECENTLY CALLED IN AGAIN AND MASTER CARD IS NOW TELLING ME THAT THEY CANT HELP ME BECAUSE THE CHARGE IS TOO OLD NOW. I TOLD THEM THAT I REPORTED THIS BACK WHEN I SAW THIS CHARGE ON MY STATEMENTS AND THEY DID NOTHING. I AM NOW FILING WITH YOU IN HOPES FOR YOUR HELP. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME, I CANT AFFORD TO HAVE MONEY TAKEN FROM ME WITHOUT MY CONSENT. PLEASE HELP ME GET MY MONEY BACK. MASTER CARD SHOULD BACK THERE CLIENTS NO MATTER WHAT AND THE REP I SPOKE WITH WAS SO MEAN AN NASTY TO ME WHEN I CALLED SHE WAS SAYING MY AGE MAY HAVE ME FORGOT WHAT I CHARGED TO MY ACCOUNT. SO NOT NICE.
My former husband and I took out a home equity line of credit, or XXXX mortgage, with Washington Mutual in XX/XX/XXXX. The interest rate was a variable rate of the Prime Rate plus 0 %, and the monthly payments were interest-only payments. We made these payments for years, on time, every month. With the financial crisis in XX/XX/XXXX-XX/XX/XXXX, Chase ( JPMorganChase ) apparently swallowed up Washington Mutual and took over our helc. Chase then cheated us by unilaterally changing our variable interest rate from Prime + 0 % to a fixed rate of 3.25 %. Chase billed us at this erroneous interest rate every month and we paid hundreds of dollars in interest to Chase every month throughout XX/XX/XXXX. I have all of the old statements. Because the Prime Rate has been at close to 0 % for much if not all of this time, we paid thousands of dollars to Chase over the years which we did not owe the company under the terms of our helc contract. I want a refund of all of this money. 
I believe that Chase is guilty of fraud, and that its employees are currently actively covering up this fraudulent act. I have brought this issue to Chase several times, only to be sent a copy of my contract, and to be told that they were researching the issue and would get back to me. I have received a letter this year, which is full of gobbledygook about my helc, and does not even address my complaint about this fraudulent change in the contract term. They will not refer me to their legal department ; they just engage in subterfuge. And they continued to bill me at the erroneous rate of 3.25 %, despite the clear evidence of the contract. Now they have raised the interest rate to 3.5 % fixed, again, completely unilaterally. I would guess that there were many Washington Mutual customers whose mortgages were altered by Chase, and that you have seen similar complaints before.
I have an open complaint ... .been waiting over 6 weeks for resolution ... ..Chase keeps stalling. I have sent all the proper documents 4 times ... .called ... .written many letters ... ..still no closure. 
Chase is trying to collect attorney fees for a debt that is not mine!! 
They keep telling me my litigation was for construction without permits ... ..that never happened!!!! 
They just do n't want to admit they made a mistake ... ..and I will not pay for their mistake.
On XXXX XXXX our house XXXX, in XXXX the insurance company settled with us an sent a check for the settlement with both my name and the mortgage company. I endorsed the check and send it to the New American Funding and they deposited the funds into an escrow account. My outstanding mortgage was XXXX and the settlement was for more than that amount so they sent me the difference to use as I pleased. I then asked for a dispersment for the demolition of the house, had an inspection and received XXXX. The balance in escrow was now about XXXX. The loans then sold to New American Funding ( confusing I know it seems like the same company ) and they then said I needed to resend all the insurance documents etc. I indicated they should and do have all of those and they needed to find them. After four weeks and multiple phone calls they finally had the documents, even though they had them the whole time. I was sent information that said you would receive payments in XXXX as the house was completed. Three weeks ago I spoke to XXXX as they had received the inspection report indicating the house was at least XXXX percent complete and requested the XXXX draw. I was informed that the XXXX draw was less then the normal thirds they would have send and that the XXXX draw would be larger to get us to the 66 % mark. I receive the draw and it was not the XXXX I was expecting, it was XXXX. I have a house that needs to be built and paid for. The person I called said they were considering the first payment they sent out the amount of the settlement in excess of the loan amount as a draw. However it is not. They have no control over funds about the mortgage amount. Also it does n't seem right that they continue to charge me interest on my loan and make interest on the funds they are holding against my loan. It has been very disorganized, they can not send or receive email and if you ask for a supervisor they can not transfer you. One has to call back in 2 days. They call outside of normal business hours for my time zone, and every person you talk to tell you different information. I need to amount to be corrected and sent as I have a builder I need to pay.
As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$890.00} to XXXX for XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$890.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.
FOCUS FIN ACCOUNT NUMBERs : XXXX XX/XX/XXXX ADDRESS : XXXX, XXXX, FL XXXX PHONE : XXXX FAX : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FOCUS FIN acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Debt is from XXXX 2009, they have been calling and threatening to serve papers at my place of employment, even arrest me or take me to jail if I do not pay for this. I contacted a lawyer who told them to stop contacting me. That the debt is older than the 5 years that they can collect this debt, but they have called me two times since the date of the letter.
They are reporting that my account went 30 days late in XX/XX/XXXX. I've never been late. I've tried fixing this with them directly but they are unwilling to fix the problem. I've asked for proof of an online chat that took place around XX/XX/XXXX-XX/XX/XXXX where they say I was told to pay a certain amount for the month of XX/XX/XXXX and they are not willing to provide that proof to me. It was their customer service rep that made a mistake on my account and they are not willing to fix it. I've paid all of my bills on time. This is the only problem I'm having.
Purchased a {$50.00} XXXX  gift card on XX/XX/18 for a XXXX gift. Daughter checked balance on XX/XX/18 and it was XXXX. Went to store of purchase and they said card was used XX/XX/XXXX in XXXX XXXX while I was at work in XXXX  XXXX CA. 65 miles away. XXXX XXXX   and XXXX  will not assist in any way. Totally bummed for my daughter.
I did not opt into any plan and have the transaction immediately rejected by the merchant if the account lacks sufficient funds. This is the default setting when a bank account is opened, and no fee is incurred by a rejection of the transaction. 

I was charged {$120.00} this month for a {$2.00} overcharge.
Having excellent credit, I took out a Line of Credit simple interest acct with Key Bank. I paid it off. I took out another one XX/XX/2016 and their accounting is woefully inept - and now I think is purposeful mishandling to enable them to charge " late charges ''. On the attached statement from them, you will note that, though I had an auto-pay each month via my credit union, they would show receipt of a payment and then " reverse charges ''. For no reason. I personally met with 2 different bank managers to try to fix THEIR accounting errors. They are woefully inept, slow to get back to me, completely unprofessional. In XX/XX/XXXX, the 2nd branch manager visit appeared to have fixed Key Bank 's problem. In a few months, the whole unprofessional and incorrect banking game began again. I receive daily harassment phone calls from Key Bank as they assert I owe them money. You will note that I went to my credit union to absolutely ascertain that each amount had been paid to Key Bank. They HAVE my money but CLAIM they do n't. I now believe this is a ruse to charge late fees. Because I was demanding the repair of their inept banking practices, they punished me by " freezing '' my account ( unable to draw money from it ). I had my legal firm send a letter demanding repair of their inept practices - and to apologize to me. They have ignored my legal letter. I have attached various statements, proof of 1-1 visits to Key Bank, my legal letter, etc. This bank is inept. They will not fix this mythical problem they 've made up. If they hurt my excellent credit, they will regret it as there are no limits to how I will seek retribution. I need them to fix how they have some type of scheme going on to charge late fees. My monthly fee is {$60.00} and yet their statement ( which I downloaded from online ) reflects odd amounts, reversals - it is completely out of control. They are unethical, inept, corrupt. How many more people are suffering this? I want them to pay me a restitution for all this XXXX, for my visits to their bank, for their ignoring my legal letter, for the constant incorrect unethical harassing phone calls. This is the worst bank in the history of the world. Please find attached numerous documents. I hope so very much that you can help me. They are out of control.
In XX/XX/XXXX a debt collector for XXXX XXXX XXXX claimed I owed a " ULT '' student loan at University XXXX XXXX XXXX XXXX ( XXXX ). The debt collector claimed to be working for the government institution XXXX but then they directed me to pay the commercial company ACS. I asked for promissory note and any other documentation. They said they do not have a promissory note and sent me computer screen print outs. In a letter was threatened that if I challenge their claim they would raise my interest rate to 18 %. I then contacted the Department of Education and The National Student Loan Database asking about the loan and the agency ACS. I have found that there is no record of any " ULT '' student loan. I have done my own research and have never found a such loan called " ULT ''. I have printed my entire student loan history. I have receipts showing XXXX balance on student loans at XXXX. On XX/XX/XXXX I tried to access my transcripts and discovered there was a hold. This hold on my transcripts was my cause to sue and I filed a lawsuit for fraud on XX/XX/XXXX. I have since discovered a trail of fraud including a XX/XX/XXXX tax intercept and that they ( ACS and or XXXX ) were debt collecting concealed under a different name in XX/XX/XXXX on my credit report. When I did a debt of validation on my XXXX credit report to dispute a unknown claim I won that debt of validation and their claim was removed. At that time I had no cause to sue due to the concealment I was not able to make the connection that ACS was in fact XXXX frauduently attempting to collect a non existent debt. After I filed the lawsuit I was contacted by an attorney for XXXX asking me to sign something and they will give me my transcripts. I of course refused to sign anything. This is 100 % fraud and I have collected a great deal of documentation to prove it. I have since been to 3 court dates where the attorney for ACS still has not provided any documentation of any debt instead has continually tried to delay the proceedings by not sending me notices and filing motions to dismiss. The next court date is XX/XX/XXXX.
First National Collection Bureau uses intimidation tactics, many phone calls and letters to attempt to collect from XXXX XXXX  XXXX  -which is not related to XXXX XXXX , even if I have repeatedly written to them informing them that I am not the person they are looking for and not even had ever any accounts with that " bank '' in Nevada . I am a current account holder with XXXX XXXX XXXX, in good status and never had any contact with any collection agency representing my banking institution. They are either " phishing '' to see if any innocent bystander answers, or re-dating debts that are not even mine. Not even my name is correctly stated.
XXXX BANK charged off Account Number : XXXX ... in XXXX, but the Experian is reporting this as charged off in XXXX which is incorrect. I have contacted Experian several times to correct their error, but they refuse to correct the mistake. I
This debt is a result of me co-signing a student loan. They call allday long. If you do answer they demand personal information ( last XXXX of ss # plus date of birth ) before they tell reason for call, When I refuse to provide info over phone they hang up and call back within a hour. I have repeatedly ask them to stop calling. I 'm not avoiding the debt, they always get paid. I just do n't want to be harassed.
I have inherited a  Discover credit card. As I look at my Credit Report, the report says  that I opened this account in    1993 ( which  is not true ). First of all, Discover Bank does not give credit cards to someone th at their credit score  is around  XXXX . Secondly, if I would have opened this account i n 1993, I have  had  XXXX  bankruptcies and the card would have been wiped out. Here is the most important part, this card belongs to  XXXX   XXXX  who passed away several years ago. My wife inherited her estate and I was not a part of that. The estate has be all settle and then I started getting calls about this card a couple of years after  XXXX  passed away.