WillisBack/dataset-financial-user-claim huggingface dataset:
Diversified Consultants bought an account from XXXX that was closed almost a year ago. They are claiming there was an " implied contract '' that would auto renew without my knowledge or permission. I have this recorded from the conversation with their agent. I moved and I had XXXX XXXX service but my contract was already up. XXXX XXXX didn't work in my new area. We tried to make it work and never had a good signal. XXXX XXXX refused to give me a return address to send back the equipment and it took me months to track down someone ( third party ), to figure out how to send back the equipment from my original expired contract. I got it returned and got a confirmation. When Diversified Consultants called, they didn't listen at all and demanded that I pay over 700 dollars including non return of equipment. I told them the equipment was returned on XX/XX/2018 and we were talking on XX/XX/2018. I then emailed them a copy of the returned equipment confirmation from the XXXX store on the XXXX account that is for XXXX, ( this was also done on the XXXX of XXXX ). I requested proof of debt which, according to the FDCPA is not merely a bill and I explained that to the Diversified rep. I received a letter on XX/XX/2018 with a copy of a bill and a demand letter showing non return of equipment even though the email with the proof of the return was sent more than a week prior to this letter. Also, it is a bill, there is no proof or breakdown of the debt it just shows " previous balance '', I have no way of knowing what this is and it is not proof at all. This was already conveyed over the phone to them. They also contacted my wife, who was never on the original account and whose phone number was never on the account and this is a clear violation of privacy.
My bank account was closed at my request in XX/XX/XXXX On XX/XX/XXXX XXXX XXXX tried to withdraw an autopayment. Per the Support center, it was returned onXX/XX/XXXX due to a closed bank account. On XX/XX/XXXXthe autopay was still on and they attempted to draw again from the closed account. OnXX/XX/XXXX, I cancelled my autopay and paid the bill at XXXX. At XXXX, I received a letter stating the autopay fromXX/XX/XXXX had been returned and to contact my financial insitution. When I logged on XX/XX/XXXX the account had an alert that it had been cancelled.

I did not receive a phone call, voicemail, email or letter stating that my account would be closed. When I reached out to customer service on XX/XX/XXXXand XX/XX/XXXX I was informed that it was closed due to two autopays being returned and could not be reopened.

I was not properly notified of account closure. I had also made a payment prior to receiving the autopay return. In my case, the return was due to a closed account inXX/XX/XXXX At that time, autopay should have been removed from my account, as the XX/XX/XXXXpayment would also be returned for the same reason.
Navy Federal Credit Union raised my interest rate on my vehicle and changed the payment. The paperwork that I signed was for a totally different payment and interest rate.
On XXXX XXXX, 2017 we deposited a check in the amount of {$66000.00} XXXX dollars into our Key Bank account. At the time of deposit, we were provided a XXXX Collections Form from XXXX XXXX No other notices have been provided. As of XXXX XXXX, 2017 we have 1 ) not received the funds 2 ) the bank can not provide us any information about the check, when we might expect the funds to be in our account, or even what the expected amount of the deposit will be in US dollars. Upon contacting the bank branch, we were told that they did not have any information however the Relationship Manager would call on Monday and try to obtain a status. No call has been received from said Relationship Manager. On Monday, XX/XX/XXXX I called Key Bank to initiate a complaint, and was told it would take approx. 5 business days for a return call. 
At this point, it has been 17 business days ( not including Saturday ) and we have received no information whatsoever from the bank, nor do they seem inclined to be concerned on our behalf.
Cash Call presented radio advertisements on predominately XXXXowned or XXXXlistening audience. The advertisement stated that the loan company was owned by an XXXX and operated quite differently than payday loan companies. I called to apply for $ XXXX and was told I only qualified for {$2500.00}. I was also told that if I did n't accept this loan, it would show up on my credit report as " declined. '' They played on the emotions of a person in need of assistance. The interest rate is nearly 300 % which was not disclosed prior to accepting the loan. 

While I was the XXXX one in this situation, these type of companies should be regulated and/or shut down and stop preying on minorities.
My name is XXXX XXXX, a customer of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. On XX/XX/XXXX, we applied for equity loan with the bank : I and my wife, XXXX XXXX. The bank responded with a letter asking us to complete so that it will be able to access our information through the IRS, form XXXX  ; however, we did response by signing and sending the information to the IRS as directed by the bank. Surprisingly, we received a letter from the bank the same day denying the equity loan when the information we sent had not even been processed either by the IRS nor the Annual Credit Repair Request Service. We filed a complaint with the XXXX XXXX XXXX questioning the abrupt suspicious stop of our application process contrary to the previous letter of the bank. The two officials of the bank investigating this matter are : XXXX XXXX XXXX, XXXX-XXXX-XXXX-XXXX and XXXX XXXX, Senior Vice President, XXXX XXXX XXXX XXXX. 
The XXXX XXXX claimed in the letter sent me that we applied for a credit program with TJX reward card. We never did, and had never done any business with this bank ever. However, this was intentionally done in order to sabotage our application with XXXX XXXX. XXXX XXXX is our mortgage company who even refinanced our house, our request for the loan is to repair our house. And we have other things placed into our credit report that are not true, but only used to disqualify our application. It's fraudulent, and should be investigated. You can reach me by phone : XXXX-XXXX-XXXX. Thanks.
I am in the process of obtaining my Borrower-Defense-Against-Repayment Certificate from the Department Of Education ( DOE ) but Navient - the student loan management company ( they assumed Sallie-Mae 's loans ) - is now the subject of a lawsuit for blocking student debt-loan forgiveness ( https : XXXX ). I want an AUDIT of Naviant with then intention of gaining a superior investigative position.
issue is with XXXX XXXX. There were items in dispute which I was told I was not responsible for while under investigation, however, I never received results of investigation and each time I called to inquire, I was transferred to various different departments until one day, some kind soul took pity on me and decided to see my call through to the end and get me a resolution and that 's when I found out that they had resolved my claim and I owed XXXX, which they stated was past due, but I never received any notice of such, so I immediately paid the XXXX but still had questions regarding the dispute, and where this XXXX balance was coming from. I was paying this, not because it was owed but because I did not want it to affect my credit but it ended up affecting it, and it should n't because I paid timely on that which I owed.
This Company is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet. I never received any information validating this is my debt. I have filed a complaint with Attorney General office, CFPB a BBB.
I deposited my paycheck from the state of California at a Bank of America teller on XXXX/XXXX/16 for {$16000.00} at XXXX branch. Bank is saying they have no record of the check. They have refused to credit my account. I have a receipt that they issued when I deposited the cheque. What should I do?
I disputed inaccuracies on my report and I received a notice back that the errors were not corrected on my report. I have no current contract with  XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  or  XXXX   XXXX   XXXX . I am being damaged financially due to this false information in my report. These accounts have been removed from other bureaus due to being false and unverified but Equifax continues to harm my ability to participate in commerce.
I would like to dispute XXXX regarding a XXXX account. Previously, I reported this information to all XXXX credit bureaus and it was removed. Now it is back on my credit report again as a collections account from XXXX XXXX. SO I would like this item removed again from my credit report.
I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/2018, XXXX deleted and removed item from their credit report. ( Report # XXXX XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this  disputed item must be updated to reflect the deletion of the bankruptcy. XXXX  has updated credit report but Transunion and XXXX has not.
I previously paid off this collection for a XXXX bill on XX/XX/XXXX/17. After requesting my credit report and seeing it was still posted I called and spoke with representative XXXX XXXX and requested the collections to remove the delinquency from my credit report however he told me the company was unable to complete a deletion. I confirmed that although the collection was paid in full that it could not be removed and the representative told me they are not able to remove the delinquency. I do not believe this is true of a collection agency.
American Express is falsely reporting inaccurate interest calculations and an Inaccurate Average Daily Balance based on Transactions in the period between XXXX XXXX, 2016 - XXXX XXXX, 2016. Please see supporting attached documentation.
on XXXX/XXXX/16, I went online to receive my free credit reports from XXXX. **I was able to obtain reports from both XXXX and XXXX and after printing the XXXX report, the System kicked me out for *Security Reasons* as it stated. I was not able to retrieve information on Experian. Then when I logged back onto the website, it indicated I had received credit reports from each when in fact I was n't able to access Experian. I 'm asking to be granted access to Experian or receive a Report to my address.In reviewing the report, I discovered a FRAUDULENT Account from the XXXX XXXX. I wanted to lodge a dispute with XXXX to have this removed. Thus, I wanted to review Experian to determine if it was displayed on their site. The XXXX had no reference to this account though. **Someone assumed my identity and Opened this Fraudulent account and I was just made aware this existed as no mail was ever sent to my address. **Thank you for your Assistance. Not sure if these are going through. Have n't received any response on previous Complaint.
PORTFOLIO RECOVERY REPORTING A DELINQUENT ACCOUNT STATUS ON MY XXXX XXXX XXXX XXXX. I SENT 2 NOTICES REQUESTING VALIDATION
Someone used my personal information and identity to obtain services. I did not create this debt. I am a victim of identity theft. I have reported this to the police and have tried several times to have the collection agency to correct their records. They continuously ignore my dispute and verified this fraudulent account with the credit bureaus. I have sent them certified letters, ID theft police reports and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. I contacted the collection agency via mail and have not received any response National credit systems is well aware that this account is fraudulent and still verifying it with the credit bureaus.
I received calls on XX/XX/XXXX XXXX EST and XX/XX/XXXX XXXX EST from American Education Services. Both pick up hang ups. I looked to ensure all payments were current after the call on XX/XX/XXXX. On XX/XX/XXXX XXXX I called back and the representative asked for my current address and I confirmed all information. 

On XX/XX/XXXX my mother called stating that called asking my address information. I told her I called them and gave it. At XXXX on XX/XX/XXXX I called the company back and that stated they were asking about my father a cosigner who was XXXX. The representative stated an original XXXX XXXX must be mailed to AES, I asked about alternatives and the representative stated that was the only way. I asked to speak to a supervisor and the supervisor said I could do it via fax, or through website submission. I told them I would have to get a copy and I think I had it in my email. 

When I hung up the call I searched my email and found no copy so I texted a family member who would have the information. The family member stated they would get it to me. 

Also on XX/XX/XXXX at XXXX another incoming call, no voicemail. I called back at XXXX and spoke with a representative who stated the calls will continue daily until I get the death certificate in, I asked for them to stop especially to an elderly reference who is unable to handle her own affairs, they stated they are unable to stop the calls. I stated as a consumer this appeared to be harassment after keeping reasonable communication and that I would contact the CFPB.
We are a senior citizen married couple. We applied for a mortgage modification through our servicer Wells Fargo. We were approved for a Trial Period Plan starting in XXXX XXXX. When we were approved, we were current on our mortgage. We made our TPP payments in XXXX, XXXX, and XXXX, and got a permanent modification in XXXX. We had made an extra regular mortgage payment in XXXX, and Wells Fargo agreed to apply that extra payment as the XXXX TPP payment and part of the XXXX TPP payment. 

We never missed a payment on our mortgage -- we made our normal payment on time each month until the TPP, and made each TPP payment on time including XXXX XXXX and XXXX XXXX. However, Wells Fargo reported to the credit reporting bureaus that we were behind on payments in XXXX and XXXX XXXX. This negative reporting caused problems for us when we tried to qualify for a reverse mortgage. 

Our attorney notified Wells Fargo of the problem, but Wells Fargo claims that they report borrowers as late during TPPs even if the borrowers have made all of their payments on time. This seems wrong. They should report that we are making our payments on time and not make it look like we are missing payments when we are not. 

We have attached some documents from Wells Fargo showing that we made our payments on time.
I used an ATM at the XXXX XXXX in XXXX, Nv, on XX/XX/2017 to withdraw funds from my account at Wells Fargo bank. I obtained the funds, but the next day discovered that I had been charged a " Balance Inquiry '' fee of {$2.00}. This was above the expected fees of {$2.00} from Wells Fargo for using a NON-WF ATM and the fee of {$2.00} from the casino for the money distribution. 

I believe that this additional fee is unwarranted, and just an attempt from Wells Fargo to get additional funds from its customers. I knew I had the funds in the account and did not want an " inquiry '', I just wanted my money.
The company at hand is named called Great Lakes loans, which are servicing my federal direct student loans. They have bundled my student loans, which makes it impossible to be sure what the pay off amount is for an individual " account '', and you must contact them by phone. I did this and received the pay-off amount from the company representative verbally. 

I paid the amount the representative instructed to me immediately after the call. The representative, by any reasonable assumption would assume that I would pay that amount, did not disclose that more interest would be added during the short processing period Great Lakes has. Thus, interest will was added during the period which prevented the loan from being paid off with the very " pay off '' amount provided by the loan servicing agency.
XXXX a division of Pacific Credit Group in XXXX XXXX extended credit to me for a computer. The account was setup and I was originally told I would receive the item within a week. When the week passed and there was n't even an approval or tracking information I called and was then told it would be 7 - 10 business days before my item would ship. Since I needed this item for work I requested the order cancelled. I was told the order would be cancelled and I would not be required to make the first payment. I called several times over the next week and was assured my cancellation was noted in the system and the order was cancelled. However, it has been almost three weeks since then and the payment was taken from my bank account, The item still does not show cancelled and I can not reach anyone in charge as a manager. I was transferred to escalation department. I reached voicemail which said it was full and to call back later twice. I will be filing with my bank to reverse the charges but they told me it would be about 10 business days to get my funds back if I do, and I may not be able to them.
Attn : yopuI have a XXXX XXXX bill that I have been trying to dsipute for the last 3 years. The credit bureau are saying the info from XXXX is accurate and updated. The bill does not belong to me whatsoever. Please address the matter with the reporting agency XXXX, XXXX  and XXXX. They are making it so difficult for me to move along with this debt. That does not belong to me. I just recieved dispute letter back from XXXX XX/XX/2018 It states the account has been verfiered as accurate.Outcome ) Updated??

Thank You
For over a year I have been trying to lower my payments with XXXX, a loan service provider for MEFA. XXXX does not even allow you to access your payment history online so I am not able to give an exact date when I began trying to get lower payments. I was on an interest only repayment plan for a $ XXXX loan for 48 months after graduating from XXXX College and at that point the payments were as high as I could manage as I also have another private loan and federal loans with XXXX totaling $ XXXX. The interest only payments for XXXX were approximately {$200.00} per month in total and that is the maximum I can afford on my current salary. A year ago they said that I had exhausted my time on an interest only plan and that I had no other recourse. They proceeded to double my payments to over {$400.00} per month, which I was supposed to pay on top of the other {$600.00} I was paying to XXXX. I only make $ XXXX per year and I live in one of the most expensive cities in the USA. I called XXXX again on XXXX XXXX, 2017, and told them I needed to go on a interest only plan because I absolutely can not pay {$400.00} per month. They said sure and said that they would email me an application for interest only within a week. I did not receive anything. I called back in one week on XX/XX/XXXX, today, and they told me the same story I 've been hearing for the past year, which is that I 've exhausted my interest only payment option and that there is absolutely nothing that they can do for me so I can make a manageable payment per month. I want to make a payment and be current with my payments but they are asking me to do something that is completely impossible and they are not willing to work with me at all. XXXX should work with their students so that we can make monthly payments. Even though at interest rates of 6.9 %, I will probably never in this lifetime be able to pay these loans off. The fact that I was allowed to take on this much debt as an XXXX-year old is shameful. I would never have made this decision if I understood the consequences. There has to be something that can be done.
My name is XXXX XXXX and I am very disappointed with my credit files, XXXX XXXX, TransUnion XXXX and XXXX XXXX. My credit score is creeping up XXXX point at a time. I am very discouraged with negative items that are still not verified by the credit bureaus, past seven years and then re entered into my credit file.
Per letter dated XXXX XXXX, 2017 I requested that they Validate this with the Bankruptcy Court and provide me with copies of any documentation associated with this account, bearing my signature. I formally requested that this information be immediately be deleted from my credit file that they maintain under my social security number if they can not provide this information. They have not provided this information or any other information bearing my signature as to the verification of there process. Per the Fair Creditreporting Act Section 611 ( a ) ( 1 ) ( A ) they had 30 days to provide the information which they have failed to do. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ) they are required by  federallaw to verify - through physical verification of the original signed consumer contract and/or judgement ( s )  - all accounts and public information that they post on anyone 's credit report. I am requesting that this Bankruptcy be DELETED NOW. They have failed to respond in a satisfactory manner within the 30 days of receipt of the certified letter and as a result I will be filling a small claims actionagainst XXXX Credit Reporting Agency. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation : 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
I have called both department of education and the federal loans agency pertaining to appropriate forms and options. 
I found out I had to apply for public forgiveness and income driven repayment ( XXXX payment ). I have filled out these forms both hardcopy and electronic. I faxed the hardcopy to the number provided on the form itself and the electronic side was additional documents that did get confirmed ( received ). 
I call a few days later to make sure everything went through and they claim they did not receive any forms to process. I submitted the forms over XXXX times. they are not flexible and continue to charge me despite my attempts to resolving and managing my student loans.
I called Midland Funding to try and settle a debt on my credit report but when I called, they said XXXX XXXX XXXX owned it. When I called XXXX & XXXX, they said Midland Funding owned it. 

The Docket Number is XXXX Midland Funding Account Number is XXXX
I am a victim of fraud and was notified about accounts being opened with my information. I contacted the companies to get the matter resolved and XXXX XXXX is still saying that the bill is mine. I filed a police report for identity theft and sent the information to all the credit bureaus. I have been unsuccessful in speaking with XXXX XXXX and all I would like for the account to be removed.
National Principle Group called stating I borrowed {$300.00} online through XXXX XXXX XXXX on XXXX/XXXX/2013 and that money was deposited to my account on XXXX/XXXX/2013. Having no recollection of this, I called my bank and reviewed my bank statements. According to my bank statements, no such transaction was made. No money was received. Yet this company has my information. They are attempting to collect {$710.00} for an outstanding loan that I never borrowed. I informed the collector that I am disputing the loan.