WillisBack/dataset-financial-user-claim huggingface dataset:
I receive XXXX billing statements for the same billing cycle instead of a single statement. It is not until the first XXXX is paid that I get a notice for a second amount that is due at the exact same time. I 've spoke with customer service twice regarding this and the first time they said all I had due was the amount due XX/XX/2017 and the next due should be XX/XX/2017, I paid it and now another amount is due for XX/XX/2017 which is contrary to what the customer representative said. My fear is that if I make the entire month payment for the first and lesser of the amount then the rest of the balance will go to principal and the next statement will show the larger of the balance due on the same date. This method would cause me to overpay or to not have enough to make a second payment in a billing cycle causing late fees.
Navy Federal Credit Union had 4 inquiries on my credit report the inquiries were excessive because they were under 30 days from each. I also have an account with Navy Federal and they have the ability to pull my Fico Score each month for free without causing a hard inquiry on my credit report. I requested a loan and they pulled my credit report twice with in two days of each ... Once they pull my credit report once ... that file last for 30 days.They kept telling me that I had a security freeze on my account, well I lifted the security freeze, they went and did multiple pulls. within days which is unnecessary.

Navy Federal Inquiries XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX
Checking credit report, found credit inquiry from Great American Finance. Call them, identified myself with ss #. 

They tell me they have no record of running my credit. Called XXXX and was told the only way they can do anything is with a deletion letter. 

So I guess XXXX has no authority or remedies here when there 's potential fraud, seems a bit short sighted to not have some built in protection or authority required by credit agencies. Then again, they 're here to sell us that protection, way to go on that one, someone 's always looking for a way to take our money. 

Since they have no authority, let 's use up your time and some of our tax dollars. Since we 're paying for you to do this job, you might as well do the credit reporting that the bureaus do. 

I need to find out what 's going on here and have this removed, thank you
I filed a dispute with Equifax about a bankruptcy that is reporting on my credit report, I dispute the debt and the validity of it being verified. I mailed the letter from the court saying that no one has verified the validity of the bankruptcy and mailed it to Equifax as well. They are still reporting this information and refuse to remove them unverified information.
I SENT PAYOFF PAYMENT TO COMPANY. COMPANY HAS NOT RESPONDED TO MY NOTICES.
On XX/XX/2019 I went into my bank Wells Fargo In XXXX on XXXX XXXX XXXX XXXX  to withdrawal cash from my account that I share with my daughter. I was then told that my account had been closed. When I asked why I was told that they could not give me that information and I sat with a rep who called into the customer service number. While on the phone with an agent ( XXXX ) from the collections department he also could not tell me why my account was being closed but he stated that they would be sending me a check for the remaining funds in my account. When I asked him for his customer service ID and information he refused to provide this. He confirmed that my check would be sent the follow day XX/XX/2019 and that he would be making notes in my file to make sure things were clear. 

When I called today XX/XX/XXXX to check on the progress of my check I was told by the new rep ( XXXX ) that they could not help me and that my refund check from my tax return ( {$2600.00} ) had been sent back to the IRS and that a check was never issued because my account was closed, When i informed her of the information the last rep told me she responded with a dismissive tone and just kept repeating that I would not be getting a check from Wells Fargo and there was nothing they could do. I asked to speak to a supervisor twice before I was transferred and got the same response from the supervisor. I have yet to be given an answer as to why my account was closed.
I submitted a dispute with Experian regarding information on my credit report that they were reporting that was very concerning to me on XXXX XXXX, 2015. Experian responded to my dispute stating that they believed they had received a suspicious request and would not be investigating the information I was disputing. I sent Experian another dispute on XXXX XXXX, 2015 via fax as I received their fax number from a representative over the phone and also sent them a copy of their response and all of the documents they needed to update my credit file. They have not responded and it has been over 45 days since my dispute was submitted to their company.
fraud error dont know but they are not mine inaccurate information must be removed .... violation of all my right as a consumer i sent several letter to all the company listed speedy cash a lot of inquires that are not mine XXXX XXXX and XXXX will be all disputes in the mail of the violation that they have put on my credit report ... ..
Experian is currently reporting XXXX XXXX XXXX XXXX as being 30-days late twice. I have notified Experian, XXXX XXXX, and XXXX   via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. XXXX XXXX and XXXX  have both removed the late status. Experian only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. I have contacted XXXX XXXX and asked them why they are reporting that I am late. They responded that they are not reporting that I am late to anyone and they only report to Experian. They have stated that they do not see any 30-day late on my account and Experian NEVER contacted them with a dispute about the account, which I sent them three certified letters about this account already. They must now remove the delinquency on the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.
I had a mortgage on my building and my Mortgage Company failed to allow me the opportunity to refinance my property instead of foreclosing on it. They would not decrease the monthly payment so it was not feasible for me to make payments. The offer they made was more than what came in from rent.
Received a letter from the collection agency XXXX XXXX stating that I owe them for an account with XXXX. I had XXXX XXXX insurance and renter 's insurance from XX/XX/2017 to XX/XX/2017. I paid up until the renewal date. I elected not to renew. 

I asked for verification of the debt and XXXX sent me a letter from XXXX stating that I must show coverage from XX/XX/2017 to XX/XX/2017 in order to receive credit for the {$150.00} they were trying to charge me. My policy renewed on XX/XX/2017 and I didn't renew. XXXX 's policy states on page 51 if their Missouri XXXX XXXX XXXX : # 3. Nonrenewal by YOU " If we offer or continue and you or your representative do no accept, this policy will automatically terminate at the end of the current policy period. Failure to pay the required renewal or continuation premium when due shall mean that you have not accepted our offer. '' I did not accept their offer and there is no language in their manual that stated that I needed to pay anything beyond the date of renewal if I didn't want to renew with them. 

They did not respond to the letter I sent to them explaining this and continued to pursue via collections. I didn't know this until I received notifications that a change was made to my credit reports.
I was unaware of the {$230.00} debt, as I never received a bill. I tried to contact XXXX, who charged off the account to XXXX. I never received any collection materials regarding this debt. XXXX charged the debt off to XXXX XXXX XXXX, who supposedly gave the account to the XXXX XXXX Law Firm in Arizona. When I called the law firm and spoke with XXXX XXXX on XXXX/XXXX/15, they have no records of this account. I gave them the account number that is on my credit report and my social security number and nothing came up with my owing any debt. I tried to contact Equifax , XXXX to resolve this issue, by either paying off the debt or having it removed from my credit report, but there is no way to speak with a live person at any of the bureau 's, as everything is automated and no customer service representatives are available to discuss credit disputes. I have no idea what I supposedly purchased, as no one can provide me with this information. My credit score used to be over XXXX and now it is in the XXXX 's, due to this debt, which is reported twice on my credit report, as XXXX charged it off to another lender, XXXX. Why do we as consumers have no other way of disputing these issues other than through the Consumer Finance.gov or by a letter being sent to these companies. The Credit Bureaus are causing a lot of damage to my credit score and I may not even be responsible for this debt. XXXX told me that the bill was returned from the post office as undeliverable. I have lived on this street for 32 years, so I found this to be difficult to understand. I need help removing this debt from my credit report and will be sending each company a letter requesting the removal of this debt. I should be able to find out what was purchased, but no one can provide me with this information. If someone could tell me what was purchased and I did in fact purchase the item, than I would pay off the debt. I have never received any letters or calls from this Law firm, so I believe this whole reporting incident is in error. Please advise me as to what my next step should be. Thank you.
I had a XXXX. It got transfer to Carrington. My balance was {$4000.00}. I gave two payments if XXXX for principal. They put the money in my escrow and for regular house payments. Plus everytime I give a payment is {$15.00} fee. This is a fraud, my loan keeps increasing. I 'm discontent with this Co.
In XX/XX/XXXX in the aftermath of Hurricane Irma, XXXX XXXX offered six month payment forbearance to residents in Florida impacted by the catastrophe. We accepted, received the agreement to begin payments in XX/XX/XXXX. We continued to receive late notices and additional late fee statements, called in and spoke with the individual with whom we had originally discussed the agreements and were told to ignore these as they would be updated after the end of the agreement term. We also exchanged several emails in this regard. In early XX/XX/XXXX I phoned her again to see how we should begin making the payments as we were told not to send them in the advice envelopes, and was told they were not ready yet to receive these payments, that we should not send until XX/XX/XXXX. They had not been prepared for the volume. So in Mid XX/XX/XXXX, we mailed the XX/XX/XXXX payment to the address we were given via email from XXXX XXXX at XXXX Mitigation. We continued to receive late notices with an amount past due in excess of {$19000.00}. The check for XX/XX/XXXX and XX/XX/XXXX cleared our bank account, and around XX/XX/XXXX, we started receiving calls as to why we had not made the payments. Ultimately, the caller had to admit they did have the payments an apologized for the two calls ( latest was Thursday, XX/XX/XXXX ). In addition, an appraiser showed up at our home unannounced to 'check things out ', which was a total shock. Now, XXXX has reported 120 day past due to all the credit reporting agencies for both me and my wife. Our credit rating has been stellar and this is not only embarrassing, but it has caused us to have to hire legal help to get it resolved with XX/XX/XXXX. They have handled this so poorly from the very beginning, and now they are harassing us mercilessly.
XXXX from XXXX XXXX XXXX calls repeatedly about a Dental bill, that I keep telling him that the amount owed is correct. 
He refuses to document the file and send the claim back tot he dentist. He calls atleast six ( 6 ) times per day. 

I spoke with XXXX gian today and explained that the amount owed can not be correct and that I would like a statement of account to review. He told me that I needed to listen to him and do what he says or he will not resolve my account.
Disputed account is well beyond the 7 year statute of limitation from first default and being on a credit report and still remains on my credit report.
I have several unauthorized credit inquiries on my credit report. I have asked several times to have them removed and the response I have gotten was a standard " they will be removed once it has been 2 years '' They are not authorized and I want them removed from my report. the following inquiries were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries )
XX/XX/2015, Amazon applied for a Chase Credit card without my permission, including all of my personal details including my social security number. Amazon had no business with my SSN, and I never gave them my SSN, much less gave them permission to divulge my personal information to ANY third party. 
By turning down this credit application both Chase and Amazon have negatively affected my credit, and both point at each other.
I have written to Portfolio Recover on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewall and not answer my request as required by law but fail to mark the account as in dispute.
I have been hounded by XXXX of XXXX, XXXX whom I revoked permission to supply XXXX supplies in XXXX. 

I received a collection notice from XXXX XXXX in XXXX, XXXX for a XXXX XXXX, XXXX shipment of supplies I never received. The debt verification statement contained information violating my HIPAA rights. A follow up letter of XXXX XXXX, XXXX contained my demand for proper verification, which XXXX did not respond to since they were unable to verify my receipt of the items. 

I now received a collection notice from Tri-State Adjustments of XXXX, WI. for items supposedly sent on XXXX/XXXX/XXXX. I responded to Tri-State advising them of the XXXX attempted collection and included a copy of my letter to XXXX stating what proper verification would be. 

What I received back, was a bare statement from XXXX XXXX XXXX. No information of how the items were sent or proof of receipt of the items. 

What the statement from XXXX XXXX XXXX does show is a shipment on XXXX/XXXX/XXXX to an address that I moved from on XXXX/XXXX/XXXX. 

Not only is XXXX, XXXX and Tri-State harassing me for items not received, items XXXX was advised to no longer provide but items they sent to an incorrect address. 

These items were not received and XXXX XXXX XXXX will not even provide shipping details with receipt of delivery. If these items were sent via uninsured or via non trackable means, failure to deliver does not make me responsible for the cost of the items. Had they been properly sent, perhaps they would have been advised that I no longer lived at the address to where the items were sent. 

In addition, the debt was reported to the CRA 's prior to any notice being provided to me.
Our tax return for the tax year of 2015 was taken by the IRS and given to Navient because we were deliquent on our student loan. The total amount taken was about XXXX. But no where in our records with our student loan does it show that the money was actually applied to our loan. In fact, after they took the XXXX, our loan was XXXX bigger then before. We can not find out where this money went. It appears that it was stolen by someone at Navient because there is no record of it being applied towards the student loan. The IRS states that that is where it was sent. In light of what is now going on with the investigation into Navient, we really could use some help to find out what happened to that money.
On Sunday,     XXXX   XXXX  2016   , I received a notice in my door reminding me that my lease to  XXXX   XXXX   XXXX  would expire   XXXX   XXXX  2016   . At the time I was unable to respond to the notice as the leasing office is closed on Sunday. Later in the week, I notified  XXXX  in the leasing office that I would not renew the lease and had already made arrangements to move out.     I have included the unsigned Lease Agreement Extension as well as the Lease Agreement Extension Fair Collections and Outsourcing received from   XXXX   XXXX   XXXX   (  XXXX   XXXX  ), dated   XXXX   XXXX  2016   , as an attachment to this complaint. The expiration date on this documentation was falsified and  " Auto Renewal ' ' was entered on the document, instead of obtaining my signature, after I told them I will not renew my lease. The attached documentation also shows a discrepancy between the date entered on the  Security Deposit Disposition  as to when this was sent to collection (   XXXX   XXXX  2016     )  and the signature date that  XXXX   XXXX   XXXX  entered on the Lease Agreement Extension (   XXXX   XXXX  2016     ).      I disputed and requested verification of this collection item with  Fair Collections and Outsourcing  but their response brought no change. I was provided a breakdown of fees owed, shown in the attached  Security Deposit Disposition , but this information is also inaccurate. As shown on the attached  Security Deposit Disposition,  the reason for leaving was NOT due to eviction so there should not be any attorney 's fees. If any attorney 's fees were assessed, I have not been provided proof that those fees were paid by  XXXX   XXXX   XXXX   (   XXXX   XXXX   ).  I am also attaching a copy of the lease I entered into at my new place of residence that began   XXXX   XXXX  2016    which again,  XXXX   XXXX   XXXX  was made aware of this.     I hold FCO responsible because they accepted this account. They also had two opportunities to validate the account and failed to do so. Had they properly validated it, the correspondence I received from them should have the Intent To Vacate notice that I signed and left with   XXXX   XXXX   XXXX  . Along with that notice I provided a forwarding address to send any balance owed due to failure to clean the apartment but that amount was taken from my security deposit, as shown in the  Security Deposit Disposition .   XXXX   XXXX   XXXX   (  XXXX   XXXX   )  fraudulently submitted documents to Fair Collections and Outsourcing in an effort to collect money that is not owed to them. Fair Collections and Outsourcing is now reporting to all   XXXX   credit bureaus inaccurately and without properly verifying the account upon my request which has brought me to this complaint.
Late payments are showing on all student loans, I was in school during those times or my loans have always been in deferment.
I have a American Express Prepaid Card. On Monday, XX/XX/XXXX, I received an email from American Express that as of XXXX XXXX they were ending the American Express Prepaid Cards and that to have all monies used up by XXXX or they will send the balance to you in a check. I am fine with that part, however, they ended direct deposits to the Prepaid Cards, immediately. That is where I have the complaint. My direct deposit was set to deposit on the card on Tuesday, XXXX XXXX. It took me XXXX days to find out where my direct deposit was. It would seem like to me American Express would give you time to close out your direct deposit and setup up another direct deposit somewhere else. They did not to do that. This should not be allowed under the law.
I have been regularly paying my Synchrony Bank bill. The account balance at the last statement was {$840.00}. I went to pay today and I have {$3400.00} in interest charged this month. They told me the 0 % interest came due on XXXX/XXXX/15 and if I do n't pay the {$840.00} off, I will then be required to pay this extraordinary amount of interest. I had no idea this would happen and am at a loss. Is this legal?
Please explain all discrepancies in the payment history for year XX/XX/XXXX-XX/XX/XXXX. 
I did not have access to payment history on Bayview Loan Servicing ( BLS ) web portal. When I completed my Chapter XXXX and it was finalized Bayview Loan Servicing released payment information and I was able to access the payment history on BLS Customer web-portal. The evidence in the report attached to this complaint shows that {$27000.00} was being held in the suspense account through as of date XX/XX/XXXX - XX/XX/XXXX the suspense Balance dropped to form {$27000.00} to {$26000.00} to {$25000.00} to {$24000.00} Please explain where the money in the expense account came from and why it was not applied to timely monthly mortgage payments. The Suspense account dropped {$7800.00} - XX/XX/XXXX. I have been over paying the monthly mortgage payment by {$52.00} monthly a total payment of {$2000.00} - On the BLS Monthly statement the payment amount is {$2000.00}. No where is the overage of {$52.00} being accounted for by Bayview Loan Servicing it is not reported on the website or the monthly statements. WHY NOT? 
BLS ESCALATION TEAM Please look at the attached legible payment history documents and cross reference the payment history and explain the suspense amount and suspense balance fluctuation.Where is the Money?
Company is causing my credit score to go down Experian Alert Date XX/XX/2019 Balance Amount {$1300.00} Is Collection No Open Date XX/XX/2019 Payment Status Grid Code 3 ( 90 Days Delinquent ) Status Date XX/XX/2019 Name XXXX/XXXX XXXX Phone ( XXXX  ) XXXX   Business Type BB Street Address XXXX XXXX XXXX City XXXX   State OH Zip XXXX
XXXX   I disputed some items on my credit report. I asked all   XXXX   credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all   XXXX    saying it was verified.
In XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX. I was looking to consolidate my student loans because XXXX was charging me {$590.00} which was definitely unaffordable as a single parent. I was told that I qualified for the student loan forgiveness program and if I paid three payments of $ XXXX would then make payments of {$60.00} a month and after 10years my loans would be forgiven. In XX/XX/XXXX I called XXXX XXXX XXXX XXXX again because i had not heard from anyone or received any paperwork on my payments I was then told to pay A one time payment of {$5.00} to XXXX and then my payments would start. Almost a year later and XXXX is calling for a {$590.00} payment. I think I have been ripped off!! I Need my money back!