WillisBack/dataset-financial-user-claim huggingface dataset:
My interest rate is so high ( 14 % ) that I will take way too long to pay down the principle loan. I started making payment Mid way through XXXX. I have not missed one payment and have always been on time making payments of over $ XXXX/mo. While attending school for all of XXXX the school/loan company made it seem as if I didnt have to make a payment until 6 months after graduation so we would have time to find a job. Being XXXX at the time, little did I know the loan was being differed and in this 18 months, 12months of schooling and 6 months looking for a job, the interest was building so much that my loan was almost doubled. 9 years later and its only gone down less than {$4000.00}. That means in that time I have paid this company ( Navient/Sallie Mae ) about {$34000.00} from which they have made almost {$30000.00} off of me just tryin to better my self with a higher educate and be able to start a family and give them a good life.
My payment was due on XXXX XXXX, i made my payment on that date, and it was n't processed until the XXXX. i called and they are telling me they are central time and they cut off is XXXX cst. i am in Arizona so i am MST time zone. i was n't aware of any cutoff but the rep stated they cut off payment at XXXX XXXX CT. however, their web page is XXXX XXXX CT. i had asked to speak to a supervisor about this and was told I can get a call back within 48 hours. the issue is one i paid my bill on the due date. 2 their times are inconsistent. now i got a late fee for {$38.00}.
I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on m y Trans Union ,   XXXX   and   XXXX   credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
American Express is overcharging interest on card accounts based on reflected calculations on my end. After noting the issue with the company, they did n't have much to say other than that they had to forward it as a billing inquiry.
After demanding answers as to why they claim that the Interest was actually incorrect ( they admitted to that ), I was given a credit of XXXX cents that they claimed was auto-generated by their computer system. The XXXX cent credit creates even more confusion.
Here 's the breakdown of my calculations.
The cycle in question was between XXXX XXXX, 2017 and XXXX XXXX, 2017.
The Purchase Balance is in a promotional state until late XXXX, so 0 % interest is applied until then, so that wo n't be listed.
The Cash Advances Balance has a 26.24 % APR which comes to a .0719 % Daily Periodic Rate.
The Balance at the beginning of the cycle for Cash Advances was {$2300.00}. On XXXX XXXX, a total payment was made in the amount of {$350.00}. The minimum payment due was {$210.00}. {$210.00} SHOULD HAVE gone to the Purchases Balance where a remaining {$140.00} should have gone to the Cash Advances Balance.
As of XXXX XXXX, the Cash Advances Balance ( as a result of the payment ) became {$2200.00}. {$270.00} was the total Cash Advances Transaction amount for XXXX XXXX, a day later. The balance now became {$2400.00} for Cash Advances. On XXXX XXXX  the total Cash Advances Balance became {$2500.00} as a result of a Cash Advances Transaction total of {$25.00}.
So, you have ...
Cash Advances Balance from XXXX/XXXX/2017-XXXX/XXXX/2017 : {$2300.00} for 8 days Cash Advances Balance on XXXX/XXXX/2017 : {$2200.00} for 1 day Cash Advances Balance from XXXX/XXXX/2017-XXXX/XXXX/2017 : {$2400.00} for 2 days Cash Advances Balance from XXXX/XXXX/2017-XXXX/XXXX/2017 : {$2500.00} for 19 days You add these balances up to get a sum of {$73000.00}. Divide that sum by the number of days in the cycle ( 30 ) to get an Average Daily Balance for Cash Advances of {$2400.00}.
Take the Average Daily Balance {$2400.00} multiplied by the APR ( 26.24 % ) to get {$640.00}. Divide {$640.00} by 365 ( days per year ) to get a daily interest charge of {$1.00}. Multiply {$1.00} by the number of days in the cycle ( 30 ), to get a total interest charge of {$53.00}.
Their interest total was {$53.00}, a XXXX cent overcharge. As I mentioned earlier, they credited my account XXXX cents which does n't make sense. It should 've been XXXX cents credited and retroactive on the account so it would n't begin charging interest on the amount that was overcharged.
It was a account with XXXX XXXX. The account was transfer to XXXX XXXX XXXX XXXX. I was given XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX between XXXX which they stated that they was the owners of the account. They never stated that XXXX XXXX XXXX purchased this account from XXXX. The XXXX at XXXX XXXX stated nothing would be reported unless it waspaidin XX/XX/XXXX. I paid account on XX/XX/XXXX on XXXX XXXX. The collections from dated on XX/XX/XXXX from security credit was sent on that day. I would like negative on credit to be deleted per XXXX XXXX agreement. Today XX/XX/XXXX received saying nothing will be removed. 


XXXXAssignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. 

If the notice was on XXXXand paid on XX/XX/XXXX. They shouldn't be reporting debt. Plus they had XXXX XXXX collecting without knowledge.
Today XX/XX/18! I received an updated transunion credit report. The account XXXX is still reporting as an adverse account. They did not fix it. I spoke with XXXX a few times in regards to this and was told this account will be moved to accounts that are satisfactory. This account was never paid late.
By around XX/XX/XXXX the bank account got frozen by company 's decisions for a no reason. due to using ATM machine that customer 's transaction made at his travel time during in XXXX. Amount in a account is XXXX $ worth. 
the company has no right to freeze account under the customer 's permissions. Yet, account is still freeze at this moment and customer is no finance access what so ever in the XXXX and struggling to find his shelter. also seeking help from US embassy at this moment but there is no successful actions and faith. and he is stuck getting back to USA even it is not his fault nor his cause. 
this is a serious ignorant with abandoned abuse service ever and it need to unfreeze the account immediately. 
identifications should be given over the phone via emails anyway possible but has not been approved. all the company has saying was he has to visit the branch office counter him self to unfreeze, which is impossible at this moment. he is in a XXXX. not in a home town. The customer is still stuck him self desperate to leave the XXXX.ASAP.
Equifax still has n't updated my file even after XXXX XXXX XXXX XXXX has reported to them that the debt has been paid. They sent me a letter stating that the balance has bee paid. Requesting you help since I 'm approved to purchase a home through a lender which is effecting my score. 
The account number is XXXX at XXXX XXXX
I have an ATM card issued by TDBank. My ATM card IS NOT a debit card ( does not have a XXXX logo ). I noticed that my ATM card stopped working on XXXX/XXXX/16. I went into my local branch and spoke with XXXX XXXX XXXX [ XXXX ] and she told me that the TDBank network that processes ATM cards ( not debit cards ) was out of service. She could not give me an ETA on when the network would be back up. Today ( XXXX/XXXX/16 ) I tried to use the ATM card but it still is n't working. I would like to know when the network will be back up or if TDBank is not longer supporting ATM cards.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Placed for collection: XX/XX/XXXX Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Retail) Past Due: >$XXXX< Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX. The Debt is being reported by the original creditor and the debt buyer at the same time. It is also being reported inaccurate as per information sent due to the dispute with XXXX by XXXX.
I never made a payment to  XXXX   XXXX   XXXX . They are a  3rd  party collector who is ballooning a debt that they bought from  XXXX   XXXX . They are also re aging the debt.
I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts ( XXXX XXXX, and XXXX XXXX XXXX in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA .With all my formal and written requests I was never provided any verifiable documents that supports company 's claim. Therefore as stated in the above statue, if not verified within 30 days then the account must be deleted promptly and immediately. It's now 3 months later.
What is this complaint about? Collection Agency What type of problem are you having? damaging my credit What happened? Collection Agency bought old doctor bills that insurance paid already What company is this complaint about? Commonwealth Financial Systems, Inc Who are the people involved? XXXX   credit, XXXX and XXXX
I have recieved 5 calls from XXXX until now, which is XXXX. This is absolutely unacceptable and excessive. Any reasonable person would find this level of calling to be offensive, and illegal. It is impossible to have a job, and answer the continuous level of calls I receive. I am called a minimum of 5 times everyday. This is unacceptable, illegal and these type of tactics should be stopped immediately.
XXXX is not licensed and endorsed as a collection agency in WA state, is attempting to collect an amount beyond what they can document from the original creditor. No documentation or materials have been provided to me, subject to 809.b of the FDCPA. The response to my dispute letter should include validation of the debt before they attempt again to collect this debt.
I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX. The car had a fire and was deemed a total loss on XX/XX/XXXX. My insurance company XXXX paid the total loss claim of {$6100.00} on XX/XX/XXXX. 

Prestige Financial was the lienholder. I had purchased a Gap policy when I purchased the car. Prestige refused to pay the Gap claim and attempted to sue me for the residual balance. 

I went to court in XXXX County regarding this matter in XX/XX/XXXX. I filed a complaint with the XXXX State Insurance Commission and the XXXX  Insurance Board for refusal to honor the GAP policy. 

XXXX issued a payment in the amount of {$2200.00} to Prestige Financial. Prior to XX/XX/XXXX, I paid XXXX. Additionally I made payments of {$500.00} XX/XX/XXXX, {$250.00} XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX my paycheck was garnished in the amount of {$860.00}, XX/XX/XXXX {$860.00}, and XX/XX/XXXX {$870.00}. 

The total amount paid to Prestige is {$24000.00} between my payments, XXXX payments and GAP insurance. 

The creditor is reporting on XXXX as a collection on my credit report. This is negatively affecting my credit report I have made numerous attempts to resolve with the company as well as to dispute on my credit report. The collection was updated on XX/XX/XXXX.
Utility company billed me for an account that I never had. I did not own, rent or have any business with the account service address.
In XXXX, XXXX and XXXX, I applied for the forbearance on my consolidated loans with XXXX XXXX. I had a total of XXXX missed payments ( XXXX  missed on XXXX loans ). Once my I was approved for forbearance, my late payments with XXXX  XXXX were retroactively brought to " current/on-time '' payment status. I requested that they remove the incorrect payment status with the credit bureau, as I am currently in good standing. 

I called XXXX XXXX on the following dates to get this matter resolved : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I sent emails to the CEOs of XXXX, XXXX and XXXX on XX/XX/XXXX to get these incorrect reports removed. 
On XX/XX/XXXX, XXXX updated my credit report with the correct information and removed the late payments. 
On XX/XX/XXXX, a man from XXXX  called me. We then called XXXX  XXXX on a three-way conference call to verify the information I was disputing was correct, but the representative refused to acknowledge. She did ; however, verify that my account was in " current/on-time '' status. 
As of today, XX/XX/XXXX, I have not heard back from XXXX  on this matter.
I have been making payments on this auto loan over the last 4 months, even though I am late with making the payments. I understand and take full responsibility for being late, but Wells Fargo Dealer Services wishes to do nothing to assist with helping me with being late. All they want is the money and the late fees on the loan continues to climb, which will eventually eclipse the amount due. No efforts are made to rectify this and no matter how much of a payment I make to the loan, they just continue to tack on more and more late fees and when asking about bringing the loan fully current next month, they only state that they will do nothing about the late fees. They state how much they wish to help me, but they do n't. They just want the money and they want to do nothing. They can not reduce the payment or do anything that will help me. All they are doing to help me is blow up my phone with calls, send threatening letters about how they will get their jollies off on taking my car, and how they want to continue to stick it to me with late fees. Eventually, the late fees will go over the total amount paid. I AM NOT PAYING THE LATE FEES. IF WELLS FARGO WANTS TO HELP ME THEN THEY NEED TO HELP ME AND NOT BE LIKE A PREDATOR.
Summary of Problem : My rent check, which was made out to a business ( XXXX ), was illegally stolen and cashed into a personal checking account. I filed a fraud claim with my bank ( Bank of America ) against the bank with the check was cashed ( XXXX XXXX ). I also filed a police report which I provided to my bank for the fraud claim. XXXX XXXX will not respond to my bank at all and Bank of America has tried to close my fraud claim because XXXX XXXX will not communicate. 

Details : I sent my rent check to my landlord on XX/XX/XXXX. My check was stolen in the mail and illegally cashed on XX/XX/XXXX. The amount was {$1600.00}. 
The check was made out to to " XXXX XXXX XXXX '' which had XXXX in the title, which is obviously a business. XXXX XXXX XXXX utilizes a stamp with their name to endorse every one of their checks. 
The check was cashed at a XXXX XXXX to a personal account. The check had a scribbled signature on the back when I reviewed it in my account. The check should have NEVER cleared at XXXX XXXX. The account it was cashed to was a personal account. NOT A BUSINESS. The personal account also had no affiliation with XXXX XXXX XXXX. 
I filed a police report and the detectives were able to track down the person whos account the check was cashed to but was unable to make an arrest. 
I filed a fraud claim with Bank of America, which is my bank, and they can not recover the funds from XXXX XXXX. Bank of America has tried to close the fraud claim because they say XXXX XXXX   wont respond to them. Which seems like a lazy excuse to just give up on me and move on. 

I am getting completely screwed by XXXX XXXX because they let a check, that was made out to a business, get cashed into a personal account that had ZERO association with the business ( XXXX XXXX XXXX ) and not they are just ignoring legitimate claims that they should refund my money. 
I am also getting screwed by my bank ( Bank of America ) because they are not doing nearly enough to get my money back.
On XX/XX/2018, I received notice of School Taxes due which I submitted immediately to Planet Home Lending. My account activity with them indicates that they paid the {$3400.00} due on XX/XX/2018. I then received notice from the Taxing Authority on XX/XX/2018 that the taxes were not paid. I called Planet Home Lending and the Taxing Authority to try and resolve. After reviewing my account activity on XX/XX/2018, I noticed that it appears the Taxing Authority was paid a second time on XX/XX/2018 for the same amount of {$3400.00}. However, the Taxing Authority states that they were never paid the first time. My escrow account should have been re-credited for the first payment made on XX/XX/2018. Planet Home Lending has refused to reimburse my escrow account for the first payment made which was not received by the Taxing Authority.
I submitted a written request, by Certified Mail, to TransUnion to delete a Notice of Federal Tax Lien from my Credit Report on XX/XX/XXXX because it does NOT meet the updated National Consumer Assistance Plan guidelines for public records reporting. To validate my deletion request I included a copy of the Notice of Federal Tax Lien filed with the XXXX XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, in the amount of {$320000.00}. The updated National Consumer Assistance Plan guidelines for public records reporting specify that Federal Tax Liens must contain a Name, Address, Date Of Birth or Full Social Security Number for valid reporting on a Credit Report. The Notice of Federal Tax Lien copy that I submitted to TransUnion DOES NOT have a Date of Birth nor Full Social Security Number listed on the document. Therefore, I requested TransUnion DELETE the Notice of Federal Tax Lien from my Credit Report. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from TransUnion stating that they UPDATED my records instead of DELETING the Notice of Federal Tax Lien information. In their letter they stated that if their investigation had not resolved my dispute, I could file a complaint with the Consumer Financial Protection Bureau. This is my complaint.
I paid my account in full on XX/XX/2018. The amount paid was {$110.00}. I apparently did not even owe this amount. The payment was never posted and I thought I still owed a balance so I made another payment of {$25.00} on XX/XX/2018. The total balance I actually owed was {$110.00} - minus the late fee I already disputed, brought my balance to {$81.00}. I stated to them I had paid on time and my bank shows the payment was in fact processed. They reversed the late fee, and now have posted the second payment of {$25.00}, however the first payment of {$110.00} has still not been posted. I faxed and emailed the proof of payment to them. They state it is going to take up to 2 billing cycles to rectify the missing payment - in the meantime they still expect me to keep making payments. They now show my account still owes {$10.00} of a payment and the rest of the balance due. ( And the payment is late according to them. ) Due to the " late '' payment they could potentially report that to the credit company, as non-compliance. I do not wish to keep sending a payment to a company for a balance I do not owe, when in fact, they owe me. My account is now paid twice over, as the outstanding balance is only {$56.00} and I have an outstanding payment not posted for {$110.00}.

I would like to charge them interest. It seems like a fair option. They would be charging me if I had not made the payment. They charge me interest monthly, and in fact lowered my credit limit, stating that they based it on my credit history with OTHER lenders. I have a good payment history with them and pay off my bill every couple of months. I also make double payments on all my other credit cards.

I just want them to post the payment that I have proven I made. Post it in a timely manner, They have cashed the payment, and thus are collecting interest on the money I supplied to them. I want my money back, with interest. I also do not wish to wait for them to issue a refund via check when they get around to it - if they can take the payment electronically - they should be able to refund my over-payment in the same method,
My loan was recently acquired b y AmeriHome Mortgage Companys  loan servicing division.     I live in a roommate situation whereby my roommate contributes to the household by making a payment contribution towards the mortgage. We each write a check that when totaled equals the amount of the monthly due payment.     For example :  Amount Due  : {$4000.00 } ( n ot the actual amount, used for illustration ).     Payment  1  ( from roommate ) : {$1000.00} Payment  2  ( from me ) : {$3000.00} Total Payment Submitted : {$4000.00} I called AmeriHome indicating that I would like to send  two checks with one payment coupon each month totaling the amount due of {$4000.00}  I was unequivocally told that if followed this plan, AmeriHome would not ensure that the payments were applied properly, and that the system may not recognize the  two checks as totaling one p ayment.     This is not an industry standard.     I also contest  AmeriHomes  definition of partial payment. If I submi t two checks fo r the total amount due, that is not a partial payment. It is a complete payment using  two  payment instruments.
Hello, I'm not sure if I answered the correct pro-forma questions because I wasn't sure which of the categories my situation falls into. 

I recently had a collection appear on my credit report from the collection agency Radius Global Solutions. It's for a medical bill. I have no idea what this medical bill could be and have not been contacted by any of my medical providers for an amount similar to what Radius is asking. I had  some labwork done around the time Radius claims my debt was created, but my insurance company shows that the service was paid for in full. Also, I did receive a phone call from a collection agency several months ago about thousands of dollars of medical debt, but given that, to my knowledge, I had no outstanding bills I assumed it was a scam.

I can't get any additional information from Radius Global Solutions because they literally never answer their phone, and the voicemail is full. I have been trying for weeks to contact them about this mystery debt but every time I call the main line they tell me it's the wrong number and they give me the correct number. When I call the correct number it rings for hours and eventually gives me the option to leave a voicemail ; however, the voicemail box is full and so I can't leave a voicemail. So, when I try to contact their " quality assurance line '' I also don't get an answer and so I leave a voicemail ; however, after two weeks and several voicemails, I still haven't gotten a call back. On the last couple of voicemails I told them that if they didn't call back I would file a complaint with CFPB or FTC. 

This is affecting my credit significantly, I never received any mail or phone calls from any original provider notifying me of any debt, and the collection agency has yet to explain exactly where this mystery debt came from. 

Please help. 

Thanks you.
I was trying to refinance my property so I consolidate my bills. XXXX XXXX is showing up on all three Credit Bureau as late but when looking at my payment history on their website there is nothing on there that reflects late. XXXX XXXX automatic pulls the money out of my bank account on the due day, never got a phone call, email, or letter stating I am past due.I also do not see were a late fee was ever charged. 
Because of this, it has caused me to be denied credit for inaccurate information and dropped my XXXX score by over XXXX points.