WillisBack/dataset-financial-user-claim huggingface dataset:
A rep from Navient called me to discuss a loan that I had with XXXX XXXX in 2007. I asked the rep could she supply me with additional information, because all of my student loans should be consolidated. She proceeds to tell me that my mom has the information and if I wanted it ask her. I told the rep my mom is not sure of what she is talking about either. Then she gets defensive and starts talking over, repeatedly asking if I 'm going to pay my debt. Then she tells me I 'm unprofessional because I want information on a loan that I suppose have through them. I told the rep this loan is over 10 years old and I need more information so I could better understand the situation and work toward a resolution. I also asked when was the first payment made on the loan and how is just now coming to my attention. The rep would not answer any of my question she started yelling at me telling, I know what the loan is and I better pay it. After her yelling she then ends the call, while I 'm asking to speak with her supervisor. I called back several times on have her hang up on me multiple time and threaten me with harassment because I was calling her wanting information on a loan. The rep was very unprofessional, she was also loud and disrespectful. I still have no answer about the loan in question.
I joined XXXX XXXX as a consultant the first week of XXXX 2016. I charged {$150.00} & {$680.00} on my Discover credit card. About a week and a half after joining they sold the company to XXXX XXXX. I requested they cancel my request and give me a refund. To date I have not received the merchandise or a refund. I disputed the charges with Discover who stated XXXX XXXX provided documentation that XXXX left the merchandise at my front door. I have not received anything and have been trying to get my money back since XXXX without success. Please help
Whenever I attempt to make a payment over the required amount to Carrington Mortgage, it tells me that I can not make a payment over required amount. If I go to submit a payment after, it tells me that I can only make 1 payment a day. If I go the next day to make an additional payment to the mortgage, it tells me that I can not do any additional payments.
I received a letter from First National Collection Bureau , Inc on XX/XX/2018. It lists the current creditor as XXXX XXXX and claims the balance is {$3000.00}. They advised me in this letter that a judgment was entered against me and has been placed for collections. They claim that I am being charged interest daily and I have 30 days to dispute this. I do not understand how a judgment was entered, without my knowledge of this. To my knowledge, I have not received written correspondence from this company or the original creditor regarding this debt or the alleged judgment. I am researching here in California about credit card debt, collections agencies, judgments as well as statute of limitations and FNCB. This has not appeared on my credit reports, that I am aware of. Am I disputing this? Absolutely I dispute this. I am unsure if I should call FNCB to ask for written correspondence about this debt, with the name, address and account number, along with the name of the courthouse and Judge that issued the judgment. I understand that predatory lenders may try to trap you or get you to say things and I hesitate to call directly because of this. My understanding is that debt has a 4 year statute of limitations in California. I also understand that predatory companies will file against people without their knowledge, hoping to get a judgement. I believe this is what has been done to me. How can a judgment be entered without ever contacting me or serving me papers? I have blocked out any personal information as this website advises.
I was interested in opening a credit card account with UPromise by Sallie Mae, so I filled out the appropriate information so that they could run an instant credit report check. After the check I was approved, and offered a contract of 14.24 % with a {$2000.00} credit line. When I received the card and terms in the mail the contract had now been adjusted to 23.24 %. I immediately called their service number and informed them I had been promised a 14.24 % contract. They offered no excuse except to close the account for me. After closing the account they told me to destroy all documents and emails that I had pertaining to the account and card.
XXXX, the car is financed by gmac I submitted the paperwork by my insurance adjuster the estimate and the check to be signed by gmac to get the car fixed it has been over three months with more conditions to get the car fixed, the refuse to send me my original estimate
Winn law group sent me a letter stating they want to levy my bank account after I asked them to stop contacting me. They sent me a letter they would cease all collection activity just a few months ago. Now they want to levy a bank account I don't have. lol. Good luck to them. They just keep harassing me at this point. They need to get shut down.
My husband and I signed up for a campground membership at XXXX XXXX XXXX in XXXX MI in 2008. We used it for 2 years and found it was not what they promoted it to be. The sister parks did not want to honor our memberships and we were not happy with the quality of the parks around the country we visited. They were not the quality we were sold. We contacted them by letter and repeated phone messages that I had come down with XXXX. We live 4 hours away. We wanted to cancel. I have continued to send them letters and try to call- they never call me back and now I find the numbers are disconnected. I have just tried to get a loan and have found they have put in for collection for the annual membership fees for the past years since I sent them the letter. I need help! We can not find anyone to contact and resolve this. Membership fees are voluntary. We paid the initial cost in full. How do we get out of this?
Hello, I have been trying to dispute 4 accounts that are paid in full and are very old accounts. I've also tried XXXX XXXX to dispute which was a slow process in which I understand it ; s based off timing and how long I will continue to pay for services. Both XXXX  and Equifax are still reporting old information, but amazingly Equifax has removed and XXXX  continues to report. 

XXXX : : XXXX XXXX XXXX XXXX was paid off through XXXX XXXX because the car was total through an accident. I understand there was a few lateness, but why should I still be punished on my credit profile for an account that was satisfied? 
XXXX XXXX XXXX is a paid account from XX/XX/XXXX XXXX XXXX XXXX   XXXX : is a paid account from several years. I believe XX/XX/XXXX-XX/XX/XXXX Equifax : still reporting an account " XXXX XXXX that's been paid for several years ; XX/XX/XXXX-XX/XX/XXXX. They also state on my credit profile it was a charge off when I paid in full through a court decision. 

I take full responsibility of my mistakes and downfalls during a time when I was unable to keep up on payments with certain accounts, but i'm in a better space now and I don ; t feel like this should be continue as this cat and mouse game. XXXX XXXX will send me information that an account has been removed but when I look at my XXXX  account the issue is still there. Those issues are the accounts i listed above : " XXXX XXXX XXXX  '', " XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX XXXX ''. 

As well as the one account Equifax is still reporting : " XXXX XXXX '' Thank you,
Best Buy visa credit card raised the interest rate without notifying me of the rate and did not have my signature agreeing to that interest rate.
XXXX XXXX XXXX constantly harass me. They call repeatedly from different area codes and continue to send mail to addresses that I have not provided them with.I have continued ton dispute with this company and requested that they not contact me. The state of North Carolina also requires collection agencies to be licensed and active in order to operate in our state. XXXX XXXX XXXX is not currently licensed in North Carolina with the Secretary of State and should therefore be removed from all credit bureau agencies immediately due to the non active status.
I am a member of Costco Wholesale. On XXXX XXXX, I received a credit card from Citibank because Costco is no longer teaming with XXXX XXXX. I contacted Citibank, Costco, and XXXX XXXX. Because XXXX XXXX, as authorized by Costco, sold their entire portfolio to Citibank, XXXX XXXX refused to cancel my account before the final transfer date of XXXX XXXX. When I contacted Citibank, I was told that they would not cancel my account because they purchased the portfolio through Costco. Costco 's General Manager informed me that I had to work directly through the credit card companies. How is this legal? I do not want to give XXXX XXXX or Citibank my business.
I did not give permissable authorization for XXXX XXXX t give my credit report information to Professional Financial Services for a application on any vehicle loan. I have governmental XXXX financing & never signed anything asking the agency for a loan. The corporation solicited expolitation of my identity using A false address. The actions taken by this company was fraudlent and assistant CEO executive XXXX was notified about their hard inquiries about them violating my credit privacy. I hereby warned Priority store manager XXXX that I demanded their office to call all XXXX companies that have been CFPB reported to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation and want total immunity.
I have send transunion a 609 debt validation letter of all collection on my credit report and theyve failed to do so, they send me a letter saying verified and thats not proving me anything that the debt is mines, and For these reasons, the FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. When you get your debt validated, you request the collection agency to prove it has the legal right to collect the money. Since no one validated me my collection I requested for transunion to remove all debts that has not yet been verified to me. Like XXXX XXXX XXXX and XXXX XXXX XXXX
I called about some things that appear wrong. Some addresse 's I 've never lived? I was told it 's been to long & could n't dispute the items. Some things that also popped out questions regarding loans for a mortgage & I was asked what bank I used my answer was incorrect because I do not own a home! Telephone # s I do not recognize either. Family members I 'm asked to verify in which I did & none were mine! I was told my request could n't be processed due to security reasons! I can not get back into my reports now.
I have an auto loan through ally financial in XX/XX/XXXX I became unemployed for a yr so I filed chapter XXXX bankruptcy, kept the car paid the note each month, for three yrs, the XXXX got dismissed not discharged XX/XX/XXXX, I spoke with numerous cs reps in the ally bankruptcy department all telling me that I 'd have to pay XXXX within 60 days after it 's dismissed so my car was worth what I owed so I figured I 'd just trade it in, so for two months I dealt with XXXX dealers. The only reason I pursued the new car was because it was cheaper than paying XXXX all up front, so I got a new car traded mine in 20 days later XXXX XXXX in XXXX oh asked for the car back. So I call ally again finally someone sent me to a person that said I only have to pay XXXX and restart my contract with same interest rate. Had someone told me this from the beginning I would have waited before trying to trade it in. So all the false statements I was given over two months, I now have XXXX hard inquires on my credit causing my score to drop XXXX points. So due to ally giving false info. and poor finance management my credit had to suffer even more. I find it unfair that these foreign customer service reps at these banks do n't know anything and do n't have the correct answers. It 's bs and the consumer suffers while trying to better their situation it 's unfair.
I purchased a home for $ XXXX in XXXX. I put down a considerable amount leaving me a mortgage balance of $ XXXX. I am on XXXX retirement from the USPS. 
In XXXX-XXXX, I began to contact B of A to see if I could have a loan modification as my wife lost her job, her mother, who lived with us after my daughter was born in XXXX, had passed away. From this time till XXXX, B of A gave me the runaround! I had several employees who were my workout representative and after a new employee was assigned it seems that I had to re-fax in my paperwork and Hardship Letter all over again. I kept notes with dates, whom I spoke with etc.. 
I was actually told that they could not do anything because I hadn't missed a payment yet! 
So now payments were missed in XXXX continuing into XXXX. We had to turn in my wifes ' vehicle, sell furniture and other items just in an attempt to make ends meet. 
I received " foreclosure notices, '' and eventually had to file a Chapter XXXX, in XX/XX/XXXX, because we couldn't meet all the bills and the mortgage. 
Obviously, our credit was shot and FINALLY, B of A approved a loan mod for us. However, this loan mod was not the best by no stretch of the imagination! The interest rates at that time, in XX/XX/XXXX, were very low hovering around 3 %!! My balance at the time this all began was {$220000.00} at 5.875 %. So, in their infinite wisdom gave me a loan mod at 4.625 %, with a hefty balance of {$230000.00} ( adding in missed payments ) and the new term is 40 years!! Are you kidding me??!! 
Presently, I am making payments but there will be a time in the very near future where I may be  unable to meet my payments again. 
I would like to see an adjusted balance or some hefty compensation for B of A dragging their feet, actually informing me to miss payments and then forcing us into a Chapter XXXX. I hope something positive comes of this. 
I have my detailed notes, even some telephone recordings, as I am allowed to do in AZ. They made our lives very stressful to say the least.
We obtained a loan with Wells Fargo Financial and have been trying for 6 years to refinance to a lower rate that would cut out mortgage payment in half. Wells Fargo Financial recorded an illegal deed against our home and we have had title issues and have not been able to complete there refinance. We first applied for a refinanced in XXXX. After paying {$1600.00} for an appraisal, eventually true appraisal expired and we could not pay for another one. We tried again in XXXX to refinance to prepare for retirement and the same thing happened. Because of the illegal deed, again we were unable to complete the transaction. We have lost out on thousands of dollars on the appraisal fees and interest paid on the loan.
This account should be closed. XXXX XXXX XXXX is the primary account holder on this. It should not be against me or my credit records. My mom has passed away on XX/XX/2018. The debt should die with her. It's the XXXX with your claim she owes over 500. You did nothing on this account you never helped at all.
I have a complaint registered against AES with CFPB. I am waiting for the resolution of that. However, AES recently submitted a negative report to the credit unions which resulted in a XXXX drop in my credit rating. I feel this is in retaliation for submitting the complaint to you. This loan is in forebearance.
On XX/XX/2018, A.R.M. Solutions ( Collection Agency ) from CA claimed a debt due from me to a 3rd party. I responded with a written signed letter on XX/XX/2018 asking for : 1 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 2 ) Proof that you are licensed to collect debts in Connecticut ( The assumed debt is in CT for both parties ) I disputed the debt : I further : " disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA '' On XX/XX/2018 I received another letter from them threatening me with further collections, Notification to credit reporting agencies and further legal action. The letter from them was dated XX/XX/2018.
I had XXXX fraudulent transactions occur on my Citi credit card totaling to almost {$900.00} so I called and informed them. The transactions occurred on XX/XX/XXXX and the XXXX, I called and reported them on XXXX. XXXX of the fraudulent transactions were handled by the XXXX however I still have the XXXX most expensive still on my account today, XX/XX/XXXX XXXX. I have called four times all together now, each time I was told that things were still being handled until today. Today when I called, I was told the XXXX transactions that were still on my account have actually never been reported although I have called in three other times and told them the exact name of the transactions and the exact amount and reported they were not my charges. I also spoke to an online representative about the situation. My complaint is why was it not handled until today and why was it never noted as reported even though I have called multiple times. Now since the charges have been on my account for some time I believe it has affected my credit score, not much but to my understanding it should not have affected it at all. I was told today that the credits should be posted to my account within the next five to seven days and the person I spoke with today reported them while I was online but the transactions should have already been reported based on my calls.
I recently pulled a credit report and I 'm seeing a lot of " In Collections/Charged Off '' accounts. Between XX/XX/XXXX and XX/XX/XXXX I was enrolled in a debt consolidation program. All of my debts were settled with the creditors and paid in full. These accounts should not be reporting negatively on my credit report. One of the accounts I 'm referring to is a Discover Card account with a last payment made on XX/XX/XXXX ( says XX/XX/XXXX on credit report ). The original balance on this account was {$990.00}. The debt was settled for {$930.00} and paid as follows : {$460.00} ( XX/XX/XXXX ), {$230.00} ( XX/XX/XXXX ), and {$230.00} ( XX/XX/XXXX ).
My initial complaint through CFPB about Credit Acceptance was submitted on XX/XX/XXXX ( XXXX ). My complaint is related to Credit Acceptance failure to notify the co-signer as well as myself of intent to sell a repossessed vehicle. On XX/XX/XXXX, I received a phone call from XXXX XXXX. XXXX  was unprofessional during the phone call, as it seemed as if he was trying to coerce me into saying that I received notification of intent to sell. Credit Acceptance responded to my initial complaint by providing documents that were supposedly sent to the co-signer as well as myself. The problem that I have with the alleged proof a notification sent before selling the vehicle is that the co-signer denies receiving notification as implied in the response by Credit Acceptance. The co-signer has resided at her residence for over 10 years. Therefore, its not possible that she didnt receive notification due to relocation. Hypothetically speaking, if its a possibility that I didnt receive my notification because of an issue related to the postal service, how can it be possible that two individuals with separate addresses not receive mail coming from the same company. I strongly feel that the documents provided by Credit Acceptance are falsified.
We were contacted by telephone on Friday XX/XX/2017 XXXX ( EST ) by a representative named XXXX from who informed us that they are reducing our credit limits on our XXXX Chase credit cards because our XXXX debt to ratio was too high and they are considering us a financial risk. We have had these open accounts with Chase for over 2 years - our business credit card with them is over 5 years and they choose to reduce this credit limit also - when it is not even reporting on XXXX report which they said they used to make the determinations. They sent us letters on the credit limit reductions on XXXX of the credit cards but have not to date sent us any letter regarding our business credit card. They claimed to have used XXXX with this determination but how could they if the credit card is not even reporting to XXXX? The reasons they outlined in the letter to us were ( 1 ) rapid increase in revolving balances ( they were not with our Chase cards ) ( 2 ) Balance owed too high ( 3 ) Business Bureau shows PAST DUE HISTORY ON XXXX OR MORE ACCOUNTS. This is a lie and we have demanded them to show us the negative history at request they have yet to comply with - We have contacted XXXX and they have NO NEGATIVE PMT HISTORY - all of our accounts are in good standing - we pay more than the required monthly payments each month to all of our credit cards. This action has created a negative mark on our credit, especially our business. These people lied and continue to lie about the reasons for their actions. We will never do business again with Chase Bank or have another credit card with them. We are considering taking legal action as we feel " violated and insulted '' - we could understand the action if our accounts were delinquent or late payments but we have NEVER had a late payment on any of our credit cards. THESE PEOPLE LIED! 
We are demanding the lies be corrected - they can keep their credit cards - we are in the process of closing all of them. We want all communication in writing from Chase - NO PHONE CALLS. We want them to comply with our request in writing about the negative payment history they claimed to have used for this action. We have never had a credit card company reduce our credit limits and call us and DEMAND to know when and how we are planning on taking care of these balances - how dare they when the accounts are in good standing and we are paying more than the minimum payments each month. We want someone to listen to the recorded conversations we had with this chase department on XX/XX/2017 ( XXXX and XXXX ) and again on XX/XX/2017 with XXXX. These employees should be fired for their attitudes and customer service.
Gurstel Law Firm asked me to make an offer on my debt. I made one of {$10000.00}, which was ignored. I then made another offer of about 40 % of the debt due the original creditor, which I had settled a different debt at 40 % with. I informed Gurstel Law Firm that I expected a response to my proposed settlement within five days, or I would consider the debt invalid. I received no such response, and Gurstel Law has continued their lawsuit against me.
A debt recovery company has been harassing my girlfriend, XXXX, for over two years. They harass her and have also called her friends and family, including me today. They say this is over XXXX account. She has never had XXXX account and she has contacted XXXX who says they have no record of her. She has checked her credit report which also shows nothing related to XXXX. The phone number calling her is ( XXXX ) XXXX. They have threatened to send the sheriff to her home. 

Today I got a call from ( XXXX ) XXXX. File XXXX. I told them to stop calling and she has never had a XXXX Account. He said they are going to sue. He said his company is " Recovery Solutions Group ''. This needs to stop NOW.