WillisBack/dataset-financial-user-claim huggingface dataset:
1.XXXX XXXX lied about rate 2.final bill was in dispute w 1st collect agency for 8 months 3.results were to send charges back to XXXX XXXX 4.when i call XXXX back for 2 months reps claimed no knowledge and that i would receive info in mail to be patient 5. 1 year later i receive letter not from XXXX XXXX  but from new collection agency SAS, LLC 6.Called immedietly made payment 7. CURRENT SAS, LLC COLLECTIONS REFUSES TO REMOVE COLLECTION WRONGFULLY REPORTED FOR FINAL BILL I PAID FOR AND STAYED ON TOP OF FOR OVER 1 YEAR.

I CURRENTLY HOLD 17 ACCOUNTS OPEN ALL IN GOOD STANDING AND 100 % PAYMENT HISTORY FOR OVER 6 YEARS. I KNOW THE IMPORTANCE OF MAKING PAYMENTD ON TIME. SO I ASK THAT U LOOK INTO MY MATTER SO I COULD HAVE THIS WRONG REPOTING TO MY CREDIT REMOVED. THANK U. 



XXXX XXXX LIED ABOUT THERE OFFER TO ME. 
I had decided to use XXXX XXXX for my cable tv needs. i was offered XXXX a month w more channels that i had w XXXX XXXX. also no activation, free XXXX XXXX, free movie channels and all sounded good. at first i was exited that i was getting a good rate so for the first 3 months i recieved no bills in the mail, turns out that when they asked me to give them a XXXX dollar DEPOSIT from my credit card it was to show that i was being serious about the service. come to find out out through my bank account they had really set me up w automatic withdraw from my account witch i never authorized. i called immidetly and had charges adjusted and for months i continued to call back and get adjustments. till the 1st year of our 2 year contract witch by the way i also didnt know about came about. after the 1st year was over rates tripple witch at that point i made the dicision to cancel the service. I continued to dispute the charges and was referred to a collection agency witch said they would put my account in investigastion. after 6 months collection agency said accoun t was sent back to XXXX XXXX. i called XXXX XXXX and asked for info on the aACCOUNT. THEY WERE unable to pro-vide me w any info and that i would recieve something in the mail.i waited and waited till today i recieved a letter froma new collection agency asking me to pay full balance and making aware that it was wrongfully notified to my credit witch i take good care of. i paid them there balance immidetly and asked them to remove it ferom my credit and they refude to remove so that why im filing my complain.
I have been keeping a close eye on my credit report because I have been a victim of fraud. Experian is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and employer XXXX. There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent Experian letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.
I have two student loans currently in repayment status, held by servicer AES. I have auto-bill pay set up to make electronic payments each month. In XX/XX/XXXX, AES stopped processing my payments, though I made no changes to bank bill-pay or my repayment status with AES. When I contacted AES and asked them why they stopped processing my payments, they informed me that I am 'paid ahead ' on my loans until XX/XX/XXXX. So, instead of applying my XX/XX/XXXX., XX/XX/XXXX., XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX automatic payments to my loan principal, they just let the loans sit there accruing interest. Is this legal or ethical? Further, is there a class of other loan customers to which this is happening? In other words, is it an isolated occurrence, just an oversight? Or is AES deliberately not processing payments on 'paid ahead ' loans in a predatory attempt to earn more interest? Can you find out and let us know? 

Thank you.
I was alerted of a fraudulent charge to my chase credit card for some playstation gaming thing. I don't have play station I don't have any games and my kids don't either. I immediately disputed the charge and advised chase of this and told them to block the merchant. Upon researching the account it was a fake email that was created address etc. 

I wanted the charges to be refunded to my card and not be held liable for the charges or the interest that was accrued. 

Chase blocked but did not refund me the charges I want the charges to be refunded back to my card
I currently reside in XXXX, but this loan was established online when I lived in XXXX, XXXX My XXXX challenge is the validity of the loan since it is prohibited in XXXX, XXXX XXXX. The other, is the interest rates originally 135 % then reduced to the current rate of 84 %. This seems more than the law allows based on XXXX usuary laws. I have already paid Delbert / XXXX more than my original balance of {$2600.00}. Additionally, the amount I owe is more than the original balance. I offered to settle for an amout a friend was willing to give, {$800.00}. They declined and countered for nearly {$2500.00}. I advised them that I have been out of work since XXXX 2015 and could not continue to maintain this loan. Today, they called asking when my payment will be made, Due on the XXXX of each month. I advised the rep. that I no longer wanted to be contacted regarding this matter as my last offer was my best. The call was discontinued.
I have used Equifax services in the current year of XXXX to provide a credit report for a loan. Equifax, for its incapability of holding onto my information and personal identity safely is a danger to me and my mother 's credit which is an important asset to our lives.
In XXXX of XXXX I filed my income driven repayment plan like I always do. Navient is one of my lenders. The other three lenders accepted my repayment plan but Navient did not. I was not aware that they rejected it. I did not receive letters even though they stated that they sent them. In XXXX of XXXX I filled my taxes. I was supposed to get {$5000.00} back. Navient put in an order to take my taxes only four months after they rejected my income driven repayment plan. I had to call them and they would not give the money back. I set up a payment arrangement for {$5.00} a month for a year with the collection company they sent me too. I was a single mom and that is all I could afford. After a year I was able to stop paying the {$5.00} and then they accepted my income repayment plan. I have never had any issues with my other lenders accepting my repayment plans but Navient went after me. I felt completely scammed. I absolutely hate working with them. This year I filed my repayment plan with them and all my other lenders give me a {$0.00} balance to pay every month. Navient came back and said I owed {$50.00} then month. I had to call and ask them why. They had to reopen my file and they said it 's because when the paper work was processed by them it did not take my other loans into account. They fixed it right away so I had a {$0.00} payment every month. I have to really watch my loans with them because they are always trying to pull something.
I was a victim of identity theft and noticed a collection from Enhanced Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I was part of a repayment plan which I was paying XXXX dollars a month for my student loans with XXXX XXXX. Last year XX/XX/XXXX I lost my job so I fell shins on my loans I started working again in XX/XX/XXXX and XXXX I started to catch up and pay XXXX dollars twice a month to catch up on my loans. XX/XX/XXXX I was calling XXXX XXXX to set up 2 payments every month and the last time I spoke to someone was in XXXX and they told me that once I make these next two payments I would be current. After the 2 payments XXXX XXXX called me non stop 6 to 7 times a day when I called bck they told me I was behind on payments after I advised what I was told the last time they called they weee rude and not listening to anything Im saying. I sent letters out to XXXX XXXX advising that My family and I would no longer like any phone communication just mail communication. They continued to call and call and when i spoke to them on the phone they said I can call you as much as I want no respect at all. I started to send out letters trying to negotiate with XXXX XXXX I have a paper trail of that but they continue to call my aunt who is my co-signer but also my cousins and uncles they are really harassing me and my family. Please can you help me
On numerous occasions I've reached out to XXXX  to correct the credit inquiries which were not authorized by me and they have state we are aware and are taking the necessary actions to correct this and submitted to Experian and XXXX  Unauthorized Inquiries via XXXX XXXX  on The Following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  have reached out to the credit bureaus and they have stated they have not received the digital request from XXXX to remove these as they are still being reported on my credit. I reached out 3 times now to have XXXX remove these. I spoke with XXXX in the Credit Bureau Specialist Department to which he stated that the responsibility falls on the credit bureau ( s ) not them. I then asked did you get verbal confirmation and authorization that I was the individual who applied to which he said no we don't do that that's against the Fair Lending Act. This is not true as when I personally applied for a XXXX CC in XX/XX/XXXX, XXXX XXXX Called me personally fist to verify that it was I who submitted the application. Not only has XXXX not corrected this but they have admitted fault and are passing the buck. XXXX Executive Office has been made aware and they too are looking into the matter with this specific employee as this has been most discouraging to them as it's a poor reflection upon XXXX and goes against normal company standards and protocols.
An attorney is trying to collect money deposited with the clerk of the court as compensation for the taking by the town of a small portion of the collateral property under eminent domain. The mortgage was discharged in bankruptcy in XX/XX/2011 and therefore the bank or its representatives such as this attorney may not legally collect these funds to pay down the debt. The mortgage holder had been previously contacted regarding this issue and advised me that they did not have a department to discuss legal issues with and that they were unable ascertain any course of action in the matter. Now that there is money to be had, they want to step in with their attorney and grab it.
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$8000.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Our insurance company issued a check for collision repairs to our vehicle. The check was written in my husbands name & our finance companies name since the amount was over {$5000.00}. This check was not signed by mys husband and the finance company cashed the check anyway.
I have had payment arrangements with this debt collector for several years now. Thay have been taking the arranged payment from my bank account on a monthly basis. The terms of my arrangement have expired and they claim that because I have n't contacted to make new arrangements, they have opted to sue me. XXXX days prior to being served, this company did take a payment from my account. I have never received any kind on notice outlining new payment arrangements.. I have never been sued and I find this to be just an excuse to get additional money from me. I am emotionally distraught over this. They have served me and I want to know if I shoulld retain a lawyer to protect me from any further action. I do n't want to tarnish a very good credit rating.
I have an installment loan with ACE cash. I went on loan to pay more than my upcoming payment. I had done this in the past without issue. The online payment page tells you to cancel your upcoming payment, to make a higher payment. Then refuses to allow you to do so. I called to make the payment but was not allowed to, however could pay the loan in full. When I called to do that a few days later my pay off amount went from XXXX to XXXX. Ace has made it next to impossible for me to pay this loan. When I asked for the corporate number they refused to give it to me. I am so upset by this company! It seems as though they want to make it hard for you to pay, so they can charge extra fees and interest. Please help.
XXXX from Kay Jewlers contacted my employer about my debt and disclosed personal information about the debt in an attempt to collect it.
Telephone payment made via XXXX  Telephone Payment System. I assumed the payment had been posted as I received a confirmation number from the automated Telephone system. The system did not post the payment at the time payment made. I discovered this error made by XXXX payment system and notified XXXX XXXX. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error or an occurred at the time the payment was made. The telephone system provided by XXXX XXXX to consumers allowing the processing of payments is not infallible. XXXX  to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...
XXXX XXXX. XXXX XXXX XXXX, GA XXXX Or XXXX XXXX. XXXX XXXX XXXX, PA XXXX Or Experian XXXX XXXX XXXX, TX XXXX XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : [ XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX ]. 
As required by FACTA and in support of my request, I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. I may be reached by telephone at [ XXXX ] Sincerely, XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
My name is XXXX XXXX residing in the above mentioned address with my wife and XXXX children. I write to complain the treatment that my mortgage company is giving me. I have my mortgage with Chase home finance and my account number is XXXX. The phone number is XXXX. Last year I had XXXX and I was in and out of the hospital for more than six months without working. At the same time I lost my younger brother who was helping financially. Also I have XXXX of my children in college, XXXX in high school and the last XXXX in elementary school. My wife works XXXX day in a week XXXX. I requested for mortgage assistance and they denied me modification instead, they offered me a plan that was higher than my monthly payment, but I did not take it because I could n't afford it. Since this year I have lost XXXX of my sisters and my wife is still working XXXX day a week as XXXX I applied for another assistant again and they denied me without a specific reason. They transferred my mortgage to another Chase branch that wrote me and told me that I would not participate in any Chase Assistant Program. I really want to keep my house with my family, if they can offer me a reasonable modification because of my hardship at this present time.
A payment in the amount of XXXX made on XX/XX/XXXX covering the months of XX/XX/XXXX and XX/XX/XXXX will more than likely get returned. I was expecting a tax refund to cover this payment, however, it is delayed due to government shutdown. I have been making small payments via bill pay through my XXXX card in the amounts of XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. I will make another payment on XX/XX/XXXX via bill pay, which should post by XXXX at the latest. My tax refund should be deposited about a week thereafter, however, I am not certain. Please request XXXX XXXX  to allow me more time before repossession of vehicle. I will continue to make payments via bill pay which are electronic in the mean time.
I filed a formal compliant in XXXX XXXX against my mortgage company, Ditech, because they had failed to acknowledge or resolve the numerous letters I had written trying to understand an escrow issue. Please refer to the CFPB XXXX # XXXX. I received a less than satisfactory response to my complaint on XXXX XXXX, XXXX. While parts of my inquiry were addressed, Ditech has since then failed to acknowledge or resolve the remaining parts of the complaint. I have not heard anything since XXXX XXXX, XXXX, yet Ditech promised to supply me the XXXX 's I had been waiting for and to reimburse me any fees or penalties I am due. 

So my new compliant consists of the following : 1. ) Ditech supplied all the correct amounts and disbursement dates and indicated that they would adjust my XXXX and send them to me. I would like to understand how the error on the XXXX can happen in the first place? I would also like to understand why I have not received those corrected XXXX. No explanation or resolution after almost one year of disputing this is unacceptable. 
2. ) I would also like to understand the credits and disbursements made. If I look at the escrow analysis you provided it shows that a payment was made to the County in XXXX XXXX for {$1200.00}, but then in XXXX XXXX a credit showed of {$1500.00}. Why is there a difference in the amount? Same thing for XXXX XXXX, a payment was made in the amount of {$1400.00}, but a credit in XXXX XXXX for {$1700.00} was received ... why the difference in amount? It appears as if the credits are more than the payments, so I would like to understand that. 
3. ) I received notification that a disbursement of {$1800.00} was sent to the County on XXXX XXXX, XXXX. I called Ditech Customer Service and they indicated it was because the County refunded Ditech for my Parcel #, but Ditech sent it back. When I spoke to the Representative on XXXX XXXX, XXXX she was unable to explain why a credit was received and why it was sent back. I see that a credit was made to my escrow balance in XXXX XXXX for {$2000.00}, what this a refund from the County? If so, why did we send back only {$1800.00}? The representative told me she would get back to me in 14 business days, and as I file this dispute it is now XXXX XXXX. Almost 2 months later, and I have still not heard back from Ditech ( verbally or written ). 
4. ) I find this absolutely appalling that I ca n't even contact my Mortgage company and trust that I will get an explanation or hear back. I have to call, write, or file formal complaints to try to get answers. As a consumer this is very frustrating that I have to continue to business with a company like this and can not leave them unless I refinance and pay all the fees associated with this. I have a right to understand my mortgage, and should not have to keep writing in order to get a response to questions I have been asking since XXXX XXXX.
I have been victim of identity theft for my information. I never opened the card with XXXX and my credit report had indicated that I owed them money. I have tried to contact them to correct and XXXX denied me for the correction and said once I called in the ask about that which means I am be aware of debt and also debtor which they dont disclose information about my information. The information is never corrected.
I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.