WillisBack/dataset-financial-user-claim huggingface dataset:
Our daughter took out a new loan for University XXXX XXXX in XXXX - I called Sallie Mae and told them to add payments for that loan to our existing set of payments. They indicated they would do so. Today, at XXXX, I received a robo call from Sallie Mae. They did NOT leave a message. MY daughter then called me and said they had called her, and that the account was past due {$100.00} ( {$50.00} for XXXX and XXXX ). 
I tried to call them and got told wait time was excessive ( last time I called them, I waited on hold for over an hour ). 

I went online and fought thru numerous web site errors ( unable to make my name match my bank account name, several password resets to be able to even log in ) ) managed to make ( I hope ) a payment.
I was supposed to close on my house in Nebraska with Movement Mortgage on Friday, XXXX XXXX, 2016, however, my mortgage company failed to provide me with a closing disclosure form. This delayed our mortgage over the weekend. The Wednesday prior to close, I was contacted by Movement Mortgage and informed the lady who had worked on my mortgage was sick and her manager was filling in to complete the process. Today, Thursday, I was contacted by another Movement Mortgage representative and informed the lady who was " sick '' is now " AWOL '' from the company and never sent me the closing disclosure form on time, which meant we had to push back our closing date- impacting all prior arrangements a day before the closing date. 

As of this time, we are set to close at the later date, but this failure on the part of Movement Mortgage is unacceptable.
Experian Report # XXXX Date XX/XX/18 Personal Information as XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX is correct all other of this address should be deleted/ removed and there should be no 2 same address showing. It seems Experian does this every other month putting or creation information not correct on there part.
In 2013 I was hospitalized on an emergency basis and incurred over {$100000.00} in medical debt. At the time I was admitted, I signed XXXX financial responsibility form, and the hospital assigned me XXXX account number and billed the services on XXXX Statement. 

Thereafter they assigned the debt to XXXX for collection and they have listed the debt on my TRANSUNION report XXXX SEPARATE TIMES as XXXX SEPARATE ACCOUNTS. This is false and fraudulent.
payment was issued to Macy 's on a account that reached the statue of limitation so the debt can be cleared. I called to check on the status of the payment posting several times to finally be told that they mailed the payment back. Well the payment posted but to the wrong account. Now I am being told that I have to mail in the copy of the check to a XXXX XXXX with not time frame as to when the payment will be put on the correct account. There are no managers that are available to assist with this matter. This need to be solve as soon as possible. I was also told that they ca n't send me a receipt showing that the payment has been posted to the correct account.
I have sent 3 certified letters to this company requesting that they validate this account. I have never had this service & have knowledge of the at all. I requested a contract or some type of agreement between myself and the company be provided to me however, they have ignored an nagated every request. I spoke with XXXX XXXX id # XXXX and he told me to just file identity theft or fraud because that was the easiest route. All my attempts to resolve this matter with this company have failed. I want this account removed from all XXXX credit bureaus and their files if they can not provide me the necessary documentation, They only information they provide me was a last bill with a balance.
Received letter from collection agency Commonwealth Financial Systems on behalf of original creditor XXXX XXXX XXXX XXXX ... I have called numerous times and left messages for a return call to validate that the bills are mine..requesting any kind of documentation that would have my social security number and or signature ... I have not gotten any response to my numerous messages..Both collection agency and original creditor are based out of Pennsylvania. I checked the TX Secretary of State website for these two companies to see if they are licensed to collect for the state of TX ... Could not find either name on site. I am requesting both of these collections with Commonwealth Financial Systems -- with their file number XXXX -- amount {$830.00} and file number XXXX amount {$56.00} Date of Service XX/XX/14 be deleted from ALL credit bureaus and consumer agencies.
When Paypal took over Bill Me Later, I was not notified and they let me charge XXXX dollars over my limit without ever notifying me the account was taken over by them and I had gone over my limit. When I found out, and I can not remember when or how, someone had already stolen XXXX dollars from my checking acct. That was refunded but they refused to do anything about the overage of credit. The reputable credit card companies would not let have let you do this. Paypal paid the other fraudulent charges also and they even sounded fraudulent ( which was the thing ) .When I complained, about the credit they had given me without my knowledge they closed he virtual account, and now I have no access to any documents to either Bill Me later Or Paypal. to know when this happened and how much and when I went over. Now I am paying thousands of dollars of interest on goods purchased that I can not send back.. I am also XXXX after 34 years and will have difficulty paying back. They called this am and told me I did no pay last month 's bill which I have been paying them over the phone. I will check on that so I paid up through XXXX. If I check my statement and I have paid it, I will complain about that. It would not be impossible to have missed it due to XXXX but I again told them I did n't get my statement. It really made angry. I believe they are dishonest.
Called Experian on the phone, was redirected several times until i reached an agent whom i could understand and was in the US. I explained to them how i was brought to tears after viewing from credit report. This particular was very helpful and gave me several different ways that i can be helped if i submitted the proper documents. I've mail them in before and called up hoping and XXXX that i'd get that same helpful male agent whose name i just can't recall, but this time i was funneled to a call center outside of the usa and could not be helped at all, after research and guidance i was led to this portal to assist in coming to a resolution.
Nissan-Infiniti LT is repo rting my account late on all three credit reporting bureaus and I have never paid late. I have an impeccable record for the last year that I have had this lease. In fact, I have another  Nissan loan  in my name as a co-signer for my daughter and my husband  has a Nissan le ase as well. All three have impeccable records for payment. I have requested the removal of the negative credit reporting but have not received a response. This wrongful reporting has caused my credit scores to decrease by up to  XXXX  points.
The credit bureau has illegally added a late payment for my closed XXXX XXXX credit card that was paid over two years ago. The account number is # XXXX and this account should not be reporting any new activity, it has been paid and closed. I am attaching a screenshot from an XX/XX/XXXX credit report and a recent XX/XX/XXXX report I got from my mortgage broker. As you can see in the screenshot I highlighted, the credit bureau added a 90+ late payment date of XXXX for my XXXX XXXX account. This is impossible since the date of last activity for the account was XX/XX/XXXX and it is a closed account. Under the Fair Credit Reporting Act Section 605 ( c ), it is a violation for a creditor and credit bureau to try and " re-age '' an account by updating the date of last activity. I need this XXXX 90+ late payment to be deleted immediately as it is inaccurate and incorrect reporting.
I made a payment to Plaza Home Mortgage on XXXX/XXXX/16. I received a confirmation number and a confirmation email. In XXXX I was told by Plaza Home Mortgage that I had cancelled my payment on XXXX/XXXX/16 XXXX. I did not cancel this payment. ( I find the time and the date of the cancellation very interesting. ) I received no confirmation number or any confirmation email that this payment was cancelled. Plaza home mortgage also states they tried to contact me to tell me of the cancellation. Plaza Home Mortgage called me on XXXX/XXXX/16 at XXXX and I returned the call on XXXX/XXXX/16 but there was no mention of the payment being cancelled by the Plaza Home Mortgage Customer Service Representative. There was no other phone call or correspondence from Plaza Home Mortgage regarding this cancellation. There was no way that I could have known this payment had been cancelled.
This company keeps calling me asking for money. Will not tell me where they 're from or what company they represent. They keep telling me to get a lawyer. They want money pay them and they wo n't sue me.
An air conditioner company requested we pre-apply for an interest free ( 1yr ) credit card to have an air conditioner installed. We applied and were approved. The air conditioner company incorrectly installed an air conditioner unit which took over three months. Once it passed township codes inspection the company failed to return to fix damage they caused and to fix a leak still on the air conditioner unit. The contractor charged the prepared credit card the full amount stating they tried to contact me to repair the damage they caused which was not true. The credit card company was advised and sided with the contractor refusing to only charge my account the balance minus repair work I paid another contractor to complete the job
I asked this debt collector to send me the information on my debt so I could take care of it. They responded by telling me they ca n't find my account or information for it. It is still on my credit report and I 've heard nothing but bad things from this company and being dishonest. ENHANCED RECOVERY COMPANY is the company in question and XXXX is the original creditor.
I applied for credit card and was asked if I wished to do a promotional balance transfer prior to submitting application. I accepted and put the amount to pay off credit card balance, upon submitting application I was only approved for a lower amount in which I had no interest in accepting. I called company and stated I didn't want their offer within 24 hours. It's now 10 days or more later and I receive letter stating of a balance transfer for XXXX dollars and a fee added to it, I never authorized a balance transfer for XXXX dollars and a extra fee. The card they sent it to is now in a negative balance because I paid the card off myself. I still to this day don't have a credit card from this company and they also decided to do a balance transfer for a amount I never approved of. I called them today XX/XX/2019 and was told they're allowed to do whatever they want and charge me for it. It's also my responsibility to get them their money back according to them. Any help resolving this problem would be greatly appreciated. The letter states the last 4 digits of account is XXXX, wells fargo, XXXX XXXX XXXX, XXXX XXXX IA, XXXX. XXXX dollar transfer with a XXXX dollars on a account that is in the negative now. 

Thank you XXXX
Open Date :   XXXX  2016  {$3600.00}  Open Date  :  XXXX /2016 {$860.00} I was told that each contract was cancelled and after months it was not removed.
I paid my cell phone bill online using my debit card on XXXX XXXX, 2015. My available balance reflected this being paid, I budget very carefully these days. Fast forward a couple of weeks later, and my account balance is almost {$300.00} negative. This is from XXXX overdraft fees in the amount of {$35.00} assessed to my account, and other charges Wells Fargo is stating I over-drafted on. I did not knowingly overdraft my bank account. I called Wells Fargo 's customer service today, XXXX XXXX and spoke with a representative named XXXX. She stated that when I paid my bill to XXXX XXXX XXXX, I had an available balance of around {$420.00}. Apparently, when I paid that {$110.00} to XXXX XXXX XXXX and my balance reflected it being taken out, at some point the next day XXXX XXXX XXXX put the money back in to my bank account, but then took it out again a few days later. According to her this is part of the process with pre-authorizations and posting and such. I understand that certain companies charge debit cards that way, but my complaint stems from that " deposit '' that XXXX XXXX XXXX supposedly making back into my bank account not showing up anywhere in my statement, or online. My online account with Wells Fargo AND XXXX XXXX XXXX reflected that amount being paid. After I paid my bill I went on to pay for other expenses, believing myself to still be within my budget. According to XXXX with Wells Fargo, because of this magical 'deposit ' that XXXX XXXX XXXX supposedly made back into my bank account, I overspent by {$22.00} total because apparently the funds were made available to me again. There were several other charges that I was assessed overdraft fees for, and I still do not understand how. At no point in time when monitoring my online account, or anywhere in my bank statements does it reflect a deposit being made back into my account for that dollar amount. How was I supposed to know? When I was speaking with XXXX on the phone, she advised me that information regarding the way that pre-authorizations affect your available balance was not anywhere in the visa card holder agreement, or on their website. ( I checked the website myself after getting off the phone, and she was correct ) I feel that the information on this should have been made available to me at some point in time to avoid having to pay hundreds of dollars in overdraft fees. In not having that information readily available to its consumers, Wells Fargo is purposefully setting us up to possibly over-drafting our accounts in error and subsequently being charged at least XXXX {$35.00} fee, or in my case XXXX fees of that amount so they can profit off of not properly informing it 's customers. This is a deceitful business practice. Banking with Wells Fargo has been a complete nightmare. I know that everything I have typed here may sound a little confusing, I 'm a little flustered at the moment. Please reach out to me with any clarifying questions you may have. Thank you.
In XXXX 2009, a fax lien was filed on my Equifax , XXXX and XXXX credit repots. XXXX and XXXX removed the lien ( it has been 7 years since it was placed ). I contacted Equifax last month and I was assured that it would be removed this month. I contacted Equifax this morning and am now being told it wo n't be removed for another three years. Does Equifax has a different set of rules that it follows?
Express Recovery is trying to collect ( 8 ) charges from the XXXX XXXX XXXX XXXX- this was an Auto Accident, it has been paid -- I called them and told them ( there were only 2 charges on my cbr at that moment ) -- they added 6 more -- I have statements from the XXXX XXXX XXXX showing 0 owed, email from the attorney with the negotiations, copy of the check sent to the XXXX XXXX XXXX and their 1st collection agency .. Express Recovery is about the 3rd one All of my bills have been paid in full and should be removed from my cbr
I have supplied hundreds of documents all attached on several occasions to work out a payment plan, I have offered to pay the company {$2500.00} a month as a fair and reasonable monthly payment plan on my Mortgage, they will not modify, and will not refinance, they are just forcing a foreclosure, the house is underwater. My first mortgage interest rate is 6.5 %, my  Second  Mortgage interest rate is 8.5 %. If the rate was more of the  country wide sta ndard of approx. 4.75 % it would be more manageable. Please help me.
William and rush associates offered me the pay for collection deletion. I paid off the collecion and and they sent me a letter that the account will be deleted from my credit report. And the account is still on my credit report effecting my credit score.
I submitted a " notice of error '' to my mortgage provider, PHH. I called their help line and they gave me the address to submit to. i received no answer and repeated the process 2 more times. i sent an email to them too. they stated in the email that i submitted to the wrong address. I explained that i had submitted a CFPB and PHH explained that the complaint would not be recognized since i sent the correspondence to the wrong address. i took there advice and resent to the address they suggested. there has been no response. i am not taking their advice and resubmitting my complaint. they have. 

Over billing me by {$2800.00} in escrow charges that have no supporting evidence Refusing to credit me for payments made to PHH in the amount of {$7600.00} Failure to respond to my inquires on these matters for over 90 days Creating a notation in your case management system on XXXX/XXXX/15 at XXXX that the homeowner was disputing the escrow amount and that research would be completed in 5 days. No action was taken. 
Creating a notation in your case management system on XXXX/XXXX/15 at XXXXthat the homeowner was disputing the escrow amount and that research would be completed in 5 days. No action was taken. 
Showing that I have a shortage of {$14000.00} when I do not.
I requested a credit report, trans-union report has information that does not belong to me. XXXX and XXXX reports could not be accessed because the security questions I answered had information that was not submitted by me. Addresses and XXXX of the XXXX phone numbers added in 2008 were not associated to me. My name and identity were used unknown to me by someone else.
On XX/XX/XXXX Sears/CBNA reported to XXXX following an alleged investigation I failed to pay {$3300.00} for an account charged off over 3 years ago. On XX/XX/XXXX I received an alert from XXXX   about new information updated on my reports that requires my attention. When I checked my credit score it reduced 6 points less than 3 days from Sears update reported. Sears did not refuse the lump sum payment received to settle account prior to closing in XX/XX/XXXX
We signed a purchase agreement on XX/XX/XXXX to buy a home at XXXX XXXX XXXX XXXX, FL XXXX. The lender was mortgage Lenders of America. The MLOA loan number is XXXX. We were told the closing would be on XX/XX/XXXX. The closing did not occur until XX/XX/XXXX. During the entire process were not advised that any additional time was needed. We were only advised during the last week of XX/XX/XXXX. that a POA was needed because the co-borrower was not in the US and would not attend the closing, which was known by lender. As a result the co-borrow had to travel on short notice from Panama to Florida causing an unexpected travel expense of approximately $ 750.On XX/XX/XXXX the closing did not occur and we were told by the lender it would be the next day and day by day the closing date changed to the next business day. Finally on XX/XX/XXXX the closing occurred. As a result of these daily delays we encountered unexpected hotel and meal expenses of approximately {$1200.00}.
Daily complaint via emails were made to the MLA Loan Officer, XXXX XXXX. I also complete the MLA survey with all the same info and described their services as unsatisfactory, disorganized, not consumer friendly, among other negative terms. MLA made no further contact since the closing. We would like MLA to reimburse us for all the unexpected, unplanned travel, lodging expenses. If MLA is willing to pay those expenses, we will supply all credit card receipts and any expenses not charged to a credit card.
I have the following companies and XXXX know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from XXXX or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX Citi Bank : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX,XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
This letter is regarding account # XXXX, which you claim I owe {$3300.00}. This is a formal notice that your claim and validity of this debt is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you on this charged off account. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in " counter claim '' small claims legal action against your company at my local venue. 

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX, Texas XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
I wrote a cash advance check for {$5000.00} in a cc with {$11000.00} available credit. Although I was not notified, and contrary to the same bank previous practices in another cash advance check I used in XX/XX/XXXX, this time Bank of America ( the card issuer ) eliminated the " grace period '' in all purchases charged to the card! So that, although I kept paying my purchases in full as before within the ( now ) grace period and keep the end-of-the-month balance below the {$5000.00} ( spent on the cash advance I was supposed to have to pay by XXXX XXXX, I am now being charged interest on any purchase on the card. Basically they changed the card terms besides the credit they provided relative to the cash advance. They surreptitiously eliminated the 'grace period ' that had always been applied to all non-cash-advance card purchases and starting charging me interest even when the non-cash-advance card balance was paid in full within the customary grace period I never thought would be affected by me accepting the crad ' cash advance offer, for which I provided due consideration in the form of a cash-advance fee of about 4 % on the {$5000.00} cash-advance.