WillisBack/dataset-financial-user-claim huggingface dataset:
Nelnet has combined my subsidized and unsubsidized student loans without permission. I used to have a Group A and Group B student loan that I paid to them. Now -- -I have only a Group A. I intend on going back to school next year -- -so, I intend on only paying the unsubsizided since the interest will still accrue. They have done so without my permission. I have tried to call multiple times -- -and have gotten no resolve. I am on time AND ahead -- -but I have every right to pay either loan in advance by law. How many times are they going to manipulate my loans?
I inadvertently used a Santander account to pay a XXXX phone bill. It must have been on a selection list I did n't notice. In any case there were insufficient funds to cover the payment. I only really use this account to transfer funds to my daughter 's college account. I received XXXX notices, XXXX postmarked XX/XX/XXXX ( XXXX days after the transaction date ) and another on XX/XX/XXXX 7 days after the fact telling me I had XXXX days to remediate the issue. All the while I had already been charged an additional {$35.00} fee for not adding funds to the account.. That seem like an unscrupulous business practice. I was told by their representative that I have to continually review my account and I was out of luck. That 's ridiculous ... They know enough to send a notice but wait XXXX days to send it to ensure XXXX % of the time they 'll get another {$35.00} ....
Based on information and belief, the alleged debt listed with Nationwide Recovery Services is not mine. I have continued to request for validation and verification of this alleged debt but to no avail. I am on XXXX years of age, and have submitted my disputes to the credit bureaus but they are still reporting on my XXXX report. Please stop these people from contacting me and my job
I have XXXX separate credit accounts which were sold to third party law firms then I was sued, received judgments, and BOTH were eventually vacated AND discontinued by the court system, as they were never proven to be my accounts in the first place. 'Chase/ XXXX ' XXXX sold to 'XXXX ', and XXXX ' is listed under the same name. Experian is not listing them as 'public records ', however the original accounts are still listed, and as 'seriously delinquent ' when they should be completely 'deleted ' ; as with the other XXXX bureaus which have done so successfully. I sent Experian the certificates of disposition from the court, via USPS certified mail, and received my return receipt, yet no response via mail. I followed up online yet the form would not allow me to submit 'proof ', so I followed up with a phone call at which point I was able to upload proof. I received my finalized dispute results via e-mail, listing both accounts as still 'remaining ' on my report, with no explanation.
I have disputed the late payments on XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX   XXXX accounts for months. The three credit bureaus wont reverse the late payment. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has lowered my credit score tremendously.
XXXX XXXX XXXX XXXX office in XXXX XXXX SD, office of XXXX XXXXt has in the past sued me alone for my wife 's medical bills totalling $ 16,000+. They told me I would not win in the lawsuit so to just accept it and not even bother going to court. They garnished my wages for her debt, and even when the amount had before the lawsuit been disputed as the hospital had not billed the insurance company for treatment, they told me it was n't their fault and that it was MY bill to pay. Since then I have been garnished by them illegal amounts multiple times and while there is NO interest agreed to, they have added high interest to the judgment against South Dakota state law and have not noted on the most recent garnishment paperwork, illegally, that there has been several XXXX dollars paid to them. This company, Accounts Management Inc practices deceptive and illegal practices. These are mostly attributed to XXXX XXXX who uses the attorney 's rubber stamp signature while filing illegal paperwork.
IC Systems reported a {$390.00} collection on my report. I contacted IC Systems and informed them the name was a mismatch and I had never been to the dental office. They requested I contact the dental office. The billing department of XXXX XXXX XXXX confirmed the debt wasn't mine and called IC Systems to make the correction. IC Sytems informed their client that I would need to dispute the accounts with each credit company. I then called IC Systems in attempt to have this corrected and was told the same steps I would need to take to resolve this. IC Systems has ample information to prove they made a mistake. I should not have to spend time disputing accounts with each credit company because they made a mistake. They have the ability to correct this themselves but refuse to do so.
I opened an account with MoneyGram to transfer money to XXXX online. Money is transferred from my checking account. On XXXX XXXX I transferred {$700.00} dollars to XXXX online using MoneyGram website. On XXXX XXXX {$1000.00} was taken from my checking account. However, only {$700.00} was transferred. After several calls to the customer service and written complaint online using MG link no resolution was available. On XXXX XXXX MoneyGram cancelled the transaction and returned only {$700.00} which I picked up from an agent.
I talked to a lady wit h American Express, wanting to cancel my cre dit card because I did not want to pay the annual {$190.00} annual fee. She advised that I cash in my points before I cancelled. I followed her advice. After I received my movie tickets, I cancelled the account. The account is now closed and I ca n't access it because it has been closed. I then receive a statement and a late fee which now amounts to {$220.00}. I called  American express an d asked that the renewal and late fee be removed because I cancelled the account and now I do n't have the account. It has been closed. Both the lady,  XXXX  and her supervisor, a  XXXX   XXXX   XXXX  informed me that no one in the whole  American Express  companies could cancel or refund this fee. I now do not have an account, but I have been charged the   XXXX   renewal fee. Account no. ending in  XXXX .
On XXXX XXXX, 2011 I sent a Debt Validation letter certified mail return receipt requested to Portfolio Recovery Associates , LLC. I have never received a response. Portfolio has been reporting this invalidated alleged debt to the XXXX Credit Bureaus since I sent the letter ( over four years ago ) which is considered further attempts to collect.
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
I placed an order for a XXXX Lift Trunk Small Coffee Table and the Parquet : Coffee table on XX/XX/XXXX and requested a cancellation of the order on XX/XX/XXXX. Commenity Bank was very slow and unhelpful in moving forward with a refund. XXXX XXXX finally successfully processed the refund, but Commenity Bank has been unnecessarily difficult in getting a refund check and it has been a month since my last conversation with them.
I feel that Discover is being misleading about the Secured card. When I applied on the discover site back In XX/XX/XXXX for the secured card it stated that it would graduate after the XXXX month. This card has yet to graduate and it has been open for 18 months. This account has never been in default and always in good standing so I'm wondering why the card hasn't graduated yet? I have called and spoken to representatives and the only thing that Discover reps tell me is that it's systematic and they can't do anything manually. I've asked what are the qualifications to graduate and Discover can't tell me anything pertaining to it. I've asked questions about the needed score to graduate, how many months does it have to be, even the bureau that they're looking at and they CANT tell me anything. Why would Discover offer something to the public but can't tell customers what's expected to move to the next level? I feel that's very misleading and it's very shady for a company that guarantees quality to not answer questions in order for me to succeed. The answer the reps give are no better than competitors XXXX reps answers. I'm very disappointed.
I received calls but no paperwork regarding this liability. I'd like this to be removed from my credit report.
On XX/XX/XXXX I called XXXX after I received a call from a company called XXXX claiming to represent XXXX. I spoke to the XXXX representative inquiring about account status and was advised that I was 60 days delinquent as of that day XX/XX/XXXX. I was confused because the last payment made covered 2 months. I asked has this information reported delinquent to the credit bureaus and the XXXX representative advised they do not report 30 days and report the first delinquency at 60 days and since today is the 60th day if payment were received XXXX would not report the late payment. I said, are you sure? He stated yes, and I then provided my information to bring the account current. Before ending the call I asked if he could provide something in writing the account would not report and he said no, but I work for XXXX and this will not report as past due. On XX/XX/XXXX I received updates from all bureaus that XXXX reported 30 days delinquent. I now see this as a deceptive inhouse collections practice used to collect a payment and probably a cash incentive. This type of practice is not allowed per FDCPA and based on his conversation with me I request the delinquencies be removed from all bureaus. I spoke to XXXX a manager in the XXXX XXXX office that says she is sending a request to corporate to remove the late reports, however she has no last name and did not sound confident in her communication. I would like to ensure the call is pulled and listened to and XXXX honors what their representative advised me on XX/XX/XXXX.
Diversified consultants placed information on my credit report Ive never had a balance with diversified consultants my account with XXXX was paid in full well before it went to collections I paid XXXX directly and as of today XXXX still owe me a balance refund. This is fraudulent this company thinks they can just place things on peoples credit files that are in accurate.
I purchased equipment from retailer HH Gregg on XXXX XXXX, XXXX total value {$4000.00}. I paid {$2000.00} cash and the balance of {$2000.00} was financed through Synchrony at 0 % interest. Representations made to us at the time in store were that Synchrony would establish a payment plan at a level such that the entire balance was paid down to {$0.00} before the promotional period expired - thus no interest would ever be charged. We appear to have been deceived as a deferred interest charge of {$1100.00} was applied to our account on XXXX XXXX, XXXX. This only came to light recently as we have not received any hard-copy correspondence, email or calls from Synchrony in over 2 years and so when I noticed an ongoing payment to Synchrony from our bank account we undertook an investigation. 
In my letter of XXXX XXXX, XXXX to Synchrony I enclosed a check for the balance of {$870.00} which was outstanding immediately prior to their application of deferred interest clearly annotated " FULL SETTLEMENT ''. Synchrony deposited this check. 

Please would you kindly investigate. 
Thank you. 
XXXX XXXX
A situation has come to my attention, that need to be correct.

( 1 ) This problem is with trans Union, I paid off my mortgage and my score went down, ( 2 ) I paid off my credit card, my score went down, they have me for account that I do not know where they are coming from, I try to explain there mistake to know satisfaction Trans union is more interested in people to pay a fee for credit monitoring, that way they will increase your credit score, but I will not do that, that form of bulling, This is a serious problem with Trans Union credit reporting, they are trying to get you to pay for service that you do not need. eg. trans union do not make it easy to get a free report, you get a lot of surmountable obstacle before this could happen, they always pushing for you to purchase.
i hate to do this since overall am ex is ok to me in XXXX years XXXX years now threatened in XX/XX/2016 a woman vandalized my home i asked american express hey since i am loyal and i have hardships and big expenses for unfortunate reasons help me out please no interest they said sure. dont worry and i got it back now i will not and can not pay interest in my current state. i would first exhaust other legal protections. since this is a hardship i resent to go thru this. i will not pay it cant but i dont like being lied to and then using the card only to be treated this way with many scripts. yes its valid buit its not right to insist with a loyal customer who only used it based on what i was told. not budging in my postion. cant wont, will not use either card til interst is credited as was promised which is why i used cards period i resent this. i will avail other options if i need to AGAIN no scripts in your answer you think i have interest money i dont? oh its valid no need to respond that way but Customer service dictates i should get what i am told. so you are losing business. period. keep sending letters but will not refund the interest go figure. NO scripts ot sendign the agreement not disputing it disputing being promised XXXX thing after XXXX years of customership. dont have it cant pay it. promised otherwise now not using. it at all
My bank, Bank of America, wo n't report accurate and timely information to my  XXXX  app. This has caused me to not be able to take advantage of the services and said bank takes hours to update my balance and bank status. My balance is alwa ys 5-6 hou rs behind.
I entered into contract with XXXX under false pretenses. Salesperson enticed us to sign XXXX program contract stating the benefit was if we left XXXX we would not incur Early Termination fees. When we left, we incurred exorbitant early termination fees. They have not removed the fees even though I have disputed them since they have tried to collect them.
there was a scheduled automatic payment debited to my account to pay my Santander mortgage but since XXXX XXXX I noticed that my bills were getting paid and the Santander bank account was overdrawn and the Santander checking account was charging me insufficient funds for {$35.00} and a week later they will charge me again sustained overdraft fee $ XXXX. I went personally to the Santander Branch several times to stop the automated mortgage payments to then choose a date that I know my XXXX Check is being deposited. Where then I know my bills are paid and I do n't get the overdraft fees charged on me. Ive been going and calling since XXXX XXXX. The Branch on XXXX XXXX, XXXX PA did n't do nothing to help me. The phone calls on XXXX made the Santander Mortgage sent me a document where they charged me {$10.00} to change the date of the automated payment from XX/XX/XXXX to XX/XX/XXXX. this form later I learned that it needed to be received, singed and sent every month. And so I continue visiting the branch to change this hassle. and no one helped. I received the letter to change the automated deduction on XX/XX/XXXX and I signed and sent it with the check. {$10.00}. Which I do n't know what I am paying that amount yet. And the mortgage still deducted my mortgage payment on the XXXX. this made my account to be overdraft again and now I have been " hit '' with a {$70.00} fees. When I went to the branch I talked to XXXX XXXX, to see if she can help me in the beginning of XXXX XXXX and she went on the phone to call the mortgage but she was helping other people at the same time and walked out I did n't knew if we were done talking or not, so I waited and then left.
I claimed billing errors to AMEX on these dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX. I alleged the merchant never delivered all of the services I paid for ( {$8000.00} ). 

Repeatedly, AMEX failed to thoroughly and properly determination as to whether all the services were delivered or not. It is undisputed that all the contracted services were NOT delivered because I terminated the contract early due to the fact that the merchant 's services were deficient, not delivered as agreed upon, and misrepresented. 

AMEX XXXX VIOLATIONS OF FCBA LAWS 1 ) On XXXX/XXXX/XXXX I filed my most recent billing error letter with AMEX via US mail. Over 3 months later, on XXXX/XXXX/XXXX I called AMEX to ask what their ruling was. It was during this call that I learned AMEX alleged they had mailed a letter to me on XXXX/XXXX/XXXX. This was strange to hear because I had always received all other letters from AMEX except this XXXX. Today, on XXXX/XXXX/XXXX, I received AMEX letter, dated XXXX/XXXX/XXXX, informing me they had ruled against me regarding my XXXX/XXXX/XXXX dispute of a {$7500.00} charge. AMEX notified me after 90 days after I mailed my " billing error '' dispute letter to AMEX at their " billing error '' address. Per FCBA AMEX had to mail their decision NO LATER than 90 days after I advised them in writing of my dispute due to " billing errors ''. 

2 ) AMEX has repeatedly failed to make appropriate corrections on my account, including their failure to credit amounts erroneously billed. 

3 ) AMEX has failed to transmit to the obligor a notification of such corrections and the creditor 's explanation of any change in the amount indicated by the obligor under paragraph ( XXXX ) and copies of documentary evidence of the obligor 's indebtedness. AMEX has not provided accurate or substantive evidence that proves my indebtedness per FCBA guidelines. 

XXXX ) More importantly, AMEX has failed to prove I did receive all the legal services listed in the retainer that I paid for ; because my billing error alleged the merchant charged me for services I never received, AMEX repeatedly declared I " did '' receive all the services I paid for based solely upon the Merchant 's claim. AMEX has repeatedly failed to fulfil the FCBA requirement that they must thoroughly investigate to make a proper determination as to whether all the {$8000.00} services listed in the retainer were actually delivered to me and provide proof of this to me per my request. Because AMEX has repeatedly failed to meet this FCBA requirement, I am released from such indebtedness. 

Given the aforementioned, I am asking your organization to enforce the consequence that AMEX can no longer require me to pay the {$7500.00}, a sum I have disputed since XXXX XXXX, because they repeatedly failed to prove and properly determine that all the services I paid for were delivered ... .and because they have failed to deliver proof to me that " all '' the services I paid for ( {$7500.00} ) were delivered to me.
Many years ago we entered into a revolving equity loan/, mortgage with XXXX Bank XXXX which became XXXX Bank and finally Bank of America XXXX The loan was upgraded several times. However, we learned in XXXX or XXXX of this year while attempting to move to a credit union - that XXXX of the prior equity, line of credit loans had not been extended but a new mortgage issued - without the old mortgage being discharged of record. The Title search XXXX and other necessary information was sent to BOA at least 2 times - and by me at least XXXX more. We have lost the good deal offered XXXX - as the application expired & there was the outstanding lien. 

As my attached records show which has not been disputed by BoA ; the unsatisfied mortgage was fully paid upon the extension of the line of credit equity loan at that time 2001- and this has not been disputed. 

I will attach the information for your consideration and action. Our request for satisfaction was acknowledged twice by BoA- I will attach. When we followed up at the time frame BoA gave itself - the person called ( number given to call XXXX had no records nor interest in looking for them. We were again requested to fax all the documents again. 

We request help in getting a lien which has been paid - discharged of record and other just relief - as we lost a good deal XXXX - and are forced to continue with the BoA deal. 

Under the choices below, it does not easily fit but is " loan servicing '' as refusing to discharge of record a paid equity loan line of credit. Also we request only written responses or email responses from Boa. Please BoA - DO NOT CALL.
In XXXX 2015 my daughter and I took at trip to XXXX. It was all prepaid through XXXX. The 2nd day we were there, we were told in order to make room charges we would have to have a credit card on file. So we did that. At the end of our stay we had {$26.00} in room charges. I signed the charge slip, then signed a credit slip to refund the {$6500.00} pesos hold The XXXX XXXX placed on my card. All seemed to go smoothly. 

When I received my credit card statement, not only did the hotel charge me the {$26.00} but also charged not credited me the {$6500.00} pesos ( {$440.00} US dollars ). I called my credit card company right away, told them the circumstances. We filled a dispute right away. On XXXX XXXX, 2015 Barclay Bank issued me a credit of {$440.00}. At this point I believed everything was all good. On XXXX XXXX, 2015 Barclay recharged me the {$440.00}. 
Again I called and filled a dispute, since the bank claimed my dispute was resolved. This continued for months, the bank claiming I signed the slip so I acknowledged the charged. 
I explained I signed a credit slip and there was no exchanged of goods the {$440.00} is a fraudulent charge. 
After months and hundreds of phone hours with Barclay Bank I filled a complaint with Washington State Attorney Generals Office. Since Barclay did not reply in a timely fashion nothing ever happened. 
I started contacting the XXXX XXXX myself. After being transferred around a bit and about a week I was told my money was credited back to my credit card. Again calling Barclay bank I was told no the money was never credited. Now I have emails from the hotel admitting a credit was due to me, again Barclay bank would not help me with this matter tell me my money was in XXXX and to bad for me. 
I the wrote a letter to the President at Barclay back with no reply. 
Then out of the blue, XXXX XXXX called me from the office of the President at Barclay Bank because of the complaint I filed with the Washington State Attorney General. After months dealing with her and all was in agreement I was owed the {$440.00} it was still never credit to me. I received a letter from XXXX XXXX closing my case. 
So I started calling XXXX, talked to XXXX there for another few months he told me they were escalating my case. I just recently found out XXXX is an intern and is doing nothing. 
Someone at the Attorney General 's Office gave me the information to this website, so here I am filling a complaint with you. 
This is just the cleft notes version, because I have spent hundreds of hours trying to get my money back. You are my last hope.