WillisBack/dataset-financial-user-claim huggingface dataset:
I needed monies for vacation and applied for what I thought was a simple {$2600.00} loan from a Company that claimed to help those with less than perfect credit a way to reestablish their credit through taking a loan out with their company. Apparently I did not understand their requirements for payback as they are charging me over {$6000.00} interest on a simple loan for only {$2600.00} ... ..they charge me approx. {$500.00} every month and they will continue to charge me for XXXX payments. I took out the loan XX/XX/XXXX and the payments are scheduled thru XX/XX/XXXX. In total I will have payed back {$8.00}, XXXX ... .this is extreme and I have been told by many of my friends and family that this is illegal and that I should not pay it. Please help me straighten out this mess I have gotten myself into..i did not forsee such an impact on my monthly income for so long ... ..that {$500.00} is supposed to be the monies I have left over after bills and survive/live on after all my other bills. They have access to my bank account and they automatically take it out every month on the XXXX. I do not know how to stop this maddness. How can they charge me over {$8000.00} for a {$2600.00} loan? Is this legal? I 've been told by many to stop the payments, switch my banking institute, deny them access to my account ... ... just simply NOT to pay it. I just wanted a simple pay back with reasonable interest short term loan and now I 'm stuck with this overzealous monthly payment and it 's scheduled " according to their pay schedule '' to go on thru XX/XX/XXXX-that 's a month shy of two years to pay back a simple loan of less than $ 3,000-for over {$8.00}, 600 ... ..something 's not right ... ... it 's not fair and it should n't be legal. Of the near {$500.00} payment each month, a mere {$62.00} goes toward the principal balance ... ... ..ridiculous .... Please advise. Thank you, XXXX
Commonwealth Financial Services contacted me by phone telling me I had by end of day the next day to pay a debt of {$2000.00} or they would be sending me a summons for criminal charges. They tole me the additional fees could be upwards of {$8000.00} if we ended up in court. I told them to send me something in writing. I received a letter from XXXX XXXX ( XXXX XXXX? Email address was XXXXXXXXXXXX ). The letter stated that I had to settle the debt by XXXX/XXXX/XXXX to avoid any further collection proceedings. I received several harassing emails after our initial contact. I looked in my records and saw that this account had been satisfied in full with XXXX XXXX XXXX back on XXXX/XXXX/XXXX. I feel that this was a complete fraud tactic to scam me out of {$2000.00}.
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX XXXX - XXXX : Unverified account XXXX  XXXX : I have never paid late XXXX XXXX XXXX : I have never paid late XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : I have never paid late
XXXX XXXX XXXX, XXXX Hours of Operation ( EST ) : XXXX to XXXX Mon-Fri., XXXX to XXXX Sat., XXXX to XXXX Sun. Company Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX Disputes : Call XXXX or write to : XXXX XXXX XXXX, XXXX, Disputes Department, XXXX XXXX XXXX, XXXX, VA XXXX Disputes E-Mail address : XXXX This company continues to harass, has contacted employers like XXXX XXXX XXXX in XXXX XXXX, VT costing me a job. While serving in the Vermont XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company held up my security clearance due to Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX. Merchant : XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX. Creditor to whom Debt is Owed : XXXX XXXX XXXX, XXXX Current Balance Due : {$900.00} by paying XXXX or XXXX pay by mail - checks n payment to : XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, VA XXXX Offering Single Payment *pay {$310.00} and save {$580.00} if payment received by XX/XX/2018, this harassment has cost me several {$25000.00} to {$170000.00} XXXX   XXXX, XXXX XXXX, XXXX XXXX, it caused the lost of a relationship and XXXX  children. I want the harassment to stop, reported this company to the Vermont Attorney Generals Offices throughout Vermont, was serving in the US Military when then pulled an illegal court date while I was out XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This is a case of identity theft, they keep doing this around certain dates of birthdays with men with our names, many with my name have been contacted and told about this debt, this debt goes from {$1600.00} to {$900.00} to the offer of 1 time payment {$310.00} to pay it all off. I have paid more than that amount, have lost well over the amount this company, these scam artist attorneys or they claim that while sending out threats to employers, friend, men with similar names and I want this stopped immediately please. This debt is insecure credit card debt and in no way after what I have tried to clear this debt and have lost will it ever get paid.
I have provided the following attached letter to Equifax to remove this collection from my credit report. My first dispute was XXXX XXXX, 2016 and Equifax has not removed the collection. I would like this removed from my credit report. ACCOUNT # : XXXX
This is related to the Equifax breach. I expect to be protected to the fullest extent of the law and compensated for the full amount of any unauthorized use of my personal identity.
On XX/XX/XXXX I authorized a XXXX XXXX transaction order # XXXX / XXXX was captured XX/XX/XXXX at XXXX XXXX documented on a solid signal order transaction list emailed to me. The list revealed a XXXX XX/XX/XXXX credit after I requested a product shipment return authorization. My capital one 360 checking account was debited XXXX twice on XX/XX/XXXX and XX/XX/XXXX.On XX/XX/XXXX XXXX was credited.On XX/XX/XXXX a billing error occurred on transaction USPS XXXX XXXX XXXX XXXX XXXX NJ , I was debited XXXX for a XXXX priority mail package without receiving any cash back.My current available balance is incorrectly calculated as XXXX cent but the total excluding the ( XXXX XXXX double debit and USPS XXXX dollar overcharge ) errors should be a XXXX balance.
company is pulling my credit incorrectly i wanted a credit card from this company since my auto loan is with them.. second time i tried since the last time a customer service agent screwed me.. so they told me my credit score was XXXX ... and i know is not true. i filled a complaint. and the same store.. so i contacted XXXX XXXX ... way better bank and better rates.. to just forget about capital one. and applied for a car loan instant approval and they told me my credit score was XXXX!!!! i have there letter. i week later! even with the hit of capital one! ... i got approved to move my car loan with a lower rate to chase. 

capital one is a fraud. and there customer service is a joke. i dont know if this is a race thing but will do my research.
We renewed a CD at Wells Fargo in XX/XX/XXXX with a new maturity date of XX/XX/XXXX. In the fall of XX/XX/XXXX, we began receiving solicitations from property recovery firms for " lost property '' and the approximate total. We were able to figure out the closest asset we had to that amount was this CD. Upon checking the State of Texas website - we found out that Wells Fargo had turned the CD funds over to the state as " unclaimed property ''! Although Wells Fargo later sent a letter they say was sent to us in XX/XX/XXXX - it was never received. It refers to an " inactive '' account, and the information document supplied by them to the State refers to the CD as a " Matured Certificate of Deposit '', which was also not true. We forfeited a percentage of the total to the State to have the money returned, and we lost the interest that should have been accruing up until the maturity date of XX/XX/XXXX.
There is a fraudulent charge on my account, I have spoken with the financial institution numerous times since XX/XX/2016 about the matter. The claim has been closed and reopened numerous times, and while each representative at Bank of America agress that the claim should not have been denied, the system keeps kicking it back. The last representative, after reviewing the account, explained that they keep attempting to credit it and the claim seems to be going in a loop that should not be happening. After extensively researching the claim she told me that so does not believe that anything she can do will get this to go through and agreed that filing a complaint with the CFPB may be the only way to get someone that can override the system to take care of the issue.
I'm in the process of selling my home and received a payoff letter which lists a Total Corporate Advance amount of {$1000.00}. I sent an email request on XX/XX/XXXX requesting an explanation of this fee. I received an email with a letter stating " per the terms of the contract, the lender may may necessary expenses in order to protect its security interest in the property. The lender may then seek reimbursement from the customer. Unless arrangements are made, failure to pay the expenses may constitute a continuing default under the terms of the contract. Please find attached a copy of the advances to the account made on your behalf. '' I called Ditech 's customer service department at XXXXXXXX XXXX on XX/XX/XXXX and spoke with XXXX. I explained that none of the transactions add up to the amount listed on the payoff. I had filed Chapter XXXX bankruptcy in XX/XX/XXXX. The mortgage was sold to Ditech ( known as XXXX XXXX at that time ) in XX/XX/XXXX. The bankruptcy was discharged XX/XX/XXXX. XX/XX/XXXX directed my most recent mortgage payment from the principal, interested and escrow, reversed the payment and applied it to corporate advance repayments at that time in the amount of {$1900.00}. It was then necessary for me to make an extra mortgage payment. I contacted Ditech in XXXX via email and phone and had no resolution. I should have continued to fight and question but I seemed to be getting a runaround from the various representatives I spoke with. XXXX submitted a verbal request and it would take up to 30 days to receive a response. I don't have 30 days to wait from today XX/XX/XXXX as this house is going to settlement on XX/XX/XXXX. I need this resolved as quickly as possible. 

I find that this additional corporate advance repayment fee listed on my payoff letter to be highly unreasonable, especially since my chapter XXXX bankruptcy was discharged 14 months ago and Ditech didn't even originatet the mortgage. 

I would like to have this unreasonable fee removed from my payoff. I question Ditech 's ethics and the competence of their accounting procedures.
There were two times when I was unemployed. I called them to let them know and they pushed me into forbearance. It wasn't until recently that I found out I could have done the income based repayment, this went on for a total of 3 years or so. I tried calling them recently and they refuse to help. They allege that they do not have records of mine prior to XX/XX/2017.
I took out payday loan with Amscot then got real sick and was in hospital and to top it off my land lady called and said I have to move in 30 days so I have to come up with money to do that.Amscott keeps calling harassing me. I can't pay one lump sum like they want I want to do right thing and pay my debt by setting up payment plan but they won't let me.
I have been in USA two times as XXXX student ( summer work and travel program ) .My first trip was from XX/XX/XXXX till XXXX XXXXDuring first trip I opened XXXX XXXX XXXX checking account and close it right before I left a country at XXXX XXXXSecond trip was from XX/XX/XXXX till XXXX XXXX.During second trip I opened a XXXX XXXX checking account and close it right before I left a country at XXXX XXXXFrom XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA at XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureaus. I was shocked because I haver never apply for any credit lines/loans/credit cards in Unites States till XX/XX/XXXX. After a few months I found out information about credit reports/score/credit history. I login to XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt had a visa to USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about USA. So, this complain is about DISCOVER BANK account which was open ( according to XXXX  credit report ) XXXX XXXX, XXXX with a credit limit {$4500.00} and current balance XXXX $ .I have never apply for Discover credit card/never received and never use ANY of Discover Bank credit cards. I physically lived in XXXX-it 's no way for me to used this card. I called Disvover fraud department and told all this information above, but they still didnt report to credit bureaus to remove this fraud account from my credit report.
we have disputed with all of them for years, under the fair credit act anything in collections gets deleted because we do not have a agreement with the collections company we have a agreement with the credit card company and they will not remove them at all
Conns furniture calls my phone 5-10 times per day and opens the call by calling out my husbands name. The furniture is and has been in my husbands name not mine. They began calling me and my husband XX/XX/XXXX, payment was due on XX/XX/XXXX. Conns indicates that the debt was sent to collections although payment is less than 10 days late. I have told them that I am not the correct person to be contacting and they continue to call harassing me although they have all of my husbands contact information.
My mortgage servicer, Wells Fargo, did not give me a monthly statement in XXXX 2015 nor thus far in XXXX 2015. I never received a coupon booklet either.
Half the problem is I have no idea where this came from or why I would owe money to XXXX College when I had student loans that took care of that. MERCHANTS & MEDICAL Credit is trying to get {$920.00} from me and looks like they or someone else has changed report dates as I went to XXXX  a long time ago and shouldn't owe anything at all. Each time I try to get this verified I get nothing and it just says it has been updated when I dispute. I would like this removed from all of my reports and not sold to another creditor as I feel they have been changing dates to up the drop off time. Account # XXXX
I sent an email to the office that is trying to collect from me. After they received my email they proceeded to call my phone XXXX times in a row while I am work. I can not answer the phone and could lose my job over that. I did leave a message with the lady that answered the phone at your office. Since I can not take calls at work and your office is closed when I get off I asked her if I could email you. These people are relentless and have told me that they call the law office today and the trustee and was told that your office has no idea who I am. I made an offer to pay this account and they did n't take my offer the man ( Director @ XXXX XXXX will answer that number ) advised me that he would see me in court and slammed the phone in my ear. Please advise me on what I can do at this point, I am not refusing to pay they are just really rude and abusive when I talk to them. XXXX, XXXX XXXX, NY XXXX Phone No. : XXXXXXXXXXXX Fax No. : XXXX
I have noticed a collection charge on my credit report listed by XXXX XXXX apartment complex that is listed to have been reported in XXXX and have been placed on my file in XXXX, XXXX. 
I have contacted the apartment complex XXXX XXXX XXXX XXXX to verify the charges. 
The office manager at the XXXX office ( XXXX XXXX XXXX. ) has directed me to a collection agency, Resident Collect and refused further dealing with my complaint. 
Resident Collect verified the amount but could not find any record of me. 
They found record of my ex-husband and the above mentioned charge listed entirely under his name. 
The apartment complex reported the delinquency in XXXX. 
My XXXX has been final on XXXX XXXX, XXXX. 
I moved out of the apartment complex in XXXX and did not sign any contract, nor lived together with my XXXX 
The apartment complex, as proof of the delinquency has provided the collection agency a lease contract signed in XXXX by both me and my XXXX XXXX as a basis of the joint responsibility for the incurred debt which contract terminated in XXXX. 
The lease term was for less than a year period. 
The collection agency has agreed that it is very unlikely that a lease term of 6 years even existed at the time when the lease contract was signed ( XXXX ). 
The lease term had to be renewed every XXXX period. 
After further investigation the collection agency has found a lease contract on record signed in XXXX ( XXXX XXXX, XXXX ) solely by my XXXX XXXX in the same apartment complex. 
I have verified in XXXX with the apartment complex that they have incorrect information and no basis to claim I would have anything to do with this debt when XXXX XXXX XXXX has first tried to claim it to be my responsibility, and the apartment complex admitted the error and the claim had been removed from my credit file. 
This collection charge has not reappeared for 5 years until this XXXX, without any prior notification or contact with me. 
It is negligent and wrongful business practice on the part of XXXX XXXX XXXX complex to try to collect a debt on me after 5 years that has been proven not to belong to me. 
I have been advised their actions are illegal, they are breaking the law and to report their action to the Consumer Financial Protection Bureau to prevent them for further wrongdoing.
Previous complaint filed - collection agency wording was VERY confusing - no proofreading done at all. Collector stated they can sue - statue of limitations has surpassed the 4yrs for the state of Tx. Also, agency reported they can report for 7yrs from date of charge off - thats incorrect SOL is 7 yrs from last payment or either first day of delinquency. Ive done plenty research on SOL in Texas.
A company named Navient a student loan lending company has contacted me numerous times regarding a old XXXX student loan that has been paid in full. Navient has no information regarding the loan, what school the loan was from the correct amount and many other discrepancies. I 've never received a student loan from Navient, I 've requested them to send any paperwork they might have regarding this loan they refuse and when called it seems more like they are fishing for information about the loan they do not have. They have contacted me by phone, text messages and emails. I filed a fraud complaint with XXXX and Navient refused to respond to them. Navient seems to be a company that finds old, outdated and paid in full student loans from other companies then try to collect on them again.
I was surprised when i received the unwanted credit card out of blue which i did not even apply for it. I thought it was because of my good credit score which I have always kept intact and started using it. One fine day when I came back from my vacation it was all used of and it went to collections by my surprise and I have reached out the bankers to get help and they made me pay some minimal amount to get me on track. It did seriously affect my credit score.
I applied for a bank account with XXXX on XXXX/XXXX/XXXX and was told that I had something with Telecheck. So I contact telecheck to inquire. I was informed that I have XXXX checks to XXXX check number XXXX for XXXX on XXXX/XXXX/XXXX and check number XXXX XXXX on XXXX/XXXX/XXXX. I requested a copy of my report and was informed I had to provide my drivers license social security number address and a voided check which I AM not comfortable doing. I have no idea what bank account this is and have never wrote a hot check to XXXX.
I did everything I can do to work thing out with Equifax for changing the comments and the payment history cause a negative change it my credit report. That little change cause a big change on my credit report and I clearly sent over the documents to prove what happen to my account and Equifax did nothing to help me. Equifax open up a new dispute that can take 30 to 60 days. Taking me out of business I can not believe this just happened to me. I ca n't sleep eat I am about to lose everything I work because of this. All I ask was to remove the account until XXXX responds back to your dispute. Why do I have to suffer. I even open up a case with the Attorney General I might have to get legal help to get threw this. Equifax you 100 % made this error I ca n't believe you did not help me and I sent you over all the proof. Account changes, credit score changes with dates what else do you want from me. I attached the dispute that Equifax just open up and also proof I made a compliant to the Attorney General. I feel like I am in a nightmare and can not wait up. 6 years down the drain.
There is a wrong address. XXXX XXXX XXXX. Ma. Never lived there. And I 've never heard of the company XXXX. These belong to someone else. Please remove
I take advantage of XXXX yearly. When I applied for a home loan through XXXX in XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XXXX, XXXX six fraudulent student loan accounts were appearing on XXXX, XXXX, and two on XXXX. The six on XXXX and XXXX were created by XXXX XXXX. The two on XXXX were created by Bank of America. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XXXX due to a XXXX caused by an automobile accident. I had a student loan with XXXX XXXX in XXXX. This loan was paid off. The following are the six accounts by XXXX XXXX on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}. 
Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XXXX, but continue to remain on report. Numbers 1-6 are XXXX XXXX accounts falsely created and Numbers 7-8 are Bank of America.
This is a debt from XXXX that has already been paid through another debt collection agency that was hired to collect on the same exact debt.
Identity was stolen and used to turn on electricity in my name through XXXX. I faxed necessary documents to XXXX also explained the situation. XXXX has put bill in collections and is still reporting to credit bureaus that I owe {$170.00}.