WillisBack/dataset-financial-user-claim huggingface dataset:
I attended XXXX for my XXXX, XXXX degree and completed back in 2013. The cost of this degree was over XXXX. I exhausted my federal student loan monies and to complete my degree had to sign a private loan through XXXX which is managed through XXXX ECSI. My monthly payment has gone up to {$320.00} dollars monthly, which does not include my other private loan through XXXX XXXX and my federal loans that are currently being repaid. I have continued to ask for assistance bringing my monthly payments down so I do not default on this particular loan and will get assistance for XXXX months but after that it goes back up to the original amount of {$320.00} per month. I can not afford this kind of money on just XXXX loan and need assistance finding a way to get this monthly payment down. Can you please help me?
CitiCard has had issues with their online payment system for months. 
I tried everyday for 10 days to pay my bill, but their payment system was not working. 
I even called their customer service line to make payment, and was left holding and never made it thru to a rep. 
Finally ( after due date ) I was able to make payment via a customer service chat line. 
They are refusing to credit the late fee even though I attempted to pay them several times and their payment system did not allow them to accept my payment. 
It is their fault, not mine
A woman called my work number and asked for my name. A person asked why. She wouldn't answer. She said do not call this number again ( co worker not me ). She called again and I told her to not call, she laughed, and she also gave out personal information without really knowing if it was me, given, its not my personal number. They are harassing me and I asked them to stop and they shared private information illegally. 
Company : Contract Callers Inc Phone number on caller ID XXXX
Select Port Folio sent me the Assumption and Modification Agreement for me to sign. The mortgage is payment is fixed for 75 months and then the balance of the mortgage has to be paid in full. I need a fixed mortgage payment for the term of the loan. This mortgage payment is setting me up to lose my home. The escrows are incorrect because I have my own Homeowner insurance and the mortgage company has put forced placed insurance n the house please fix my escrow account so my mortgage payment will be correct.
I am part of the Experian Data Breach. And now I am getting emails from Experian to protect this information for a fee. 
It seems like Fraud. They leak our information and now want to make money to protect my information they leaked. 

I am over simplifying possibly but that is how I see it.
XXXX / XXXX  /17 I applied for the credit card with USAA afte r answering several verifying questions. Upon calling to check the status of the credit card application, I was told USAA was unable to view my report due to a security freeze I had on my report.     I called the CRA and verified with them and they stated  USAA  was able to view my credit report because they see a hard inquiry from them on the report.     I have stayed on the phone for hours and spoke to countless individuals to tell them that there is a hard inquiry on my report. I had to pay to retrieve my credit report to provide proof of the inquiry and now  USAA  is refusing to remove the inquiry.
I sent out a letter in XX/XX/XXXX to R.A. Rogers Inc. for them to validate a debt that is currently being reported on my credit file as I sent out one in XX/XX/XXXX and never received a validation. I received a letter in XX/XX/XXXX saying they sent out one previously and will not be sending out another letter to validate the debt but has stated that they will ignore all other request from me that I send to validate the debt.
I suffered a workplace injury in XX/XX/2018. I had an XXXX in XX/XX/2018 that was ordered by, processed by, scheduled by, and interpreted by my workers compensation physician as part of the workers compensation claim. The Outsource Group on behalf of XXXX XXXX inappropriately and incorrectly billed my private health insurance for this test. They have continued to call me and pursue this debt despite my providing documentation and verbal explanations on no fewer than five occasions.
Carrington MS took over my loan from XXXX bank. I had some financial issues with business and got behind in my mortgage. When I tried to make house payment they refused to take it, said I had to have XXXX payments. Next week I had XXXX payments and they refused them and said I had to have XXXX payments. This went on and on until I got help from XXXX, got caught up and this whole time I was trying to get a modification using HARP program. While this is going on my health was getting worse from the stresses they caused. I have XXXX and stress is very bad for my illness. After trying to get XXXX modification done with them, they turned me down XXXX. Started a XXXX with a agency here in Michigan, by now my health is getting real bad, I had to file for XXXX. 

I was forced to quit working because I was unable to keep up with the demands of XXXX that I owned. Sold it and paid off a couple bills. Found a local job and was fired because I was sick. Then next week social security approved me for XXXX. I have had XXXX for thirty years and always had been able to work as long as I got rest and kept my stress level down. 

When Carrington MS would n't give me a HARP modification so I could keep my house so I would n't lose all of my investment was devastating to me. Today was suppose to be a sheriff sale and they pulled it from the docket. So they are still causing XXXX situation to me. I offered them XXXX in XXXX 2015 and today it was being offered for XXXX. When my attorney made the offer they never even responded to him. That 's when I had to file bankruptcy. 

When I was trying to get the modification done they told me to call USDA rural development, Carrington claimed it was USDA was turning it down, USDA said they only guarantee the loan through XXXX bank and for me to call them. I called XXXX bank. They said they did n't have anything to do with the loan, I had to call Carrington. Called Carrington again and was told they did n't know anything and did n't even know who I should talk to but would get back to me when they figured it out. Never did call me back. I am still on the title of the property. No one seems to know who owns my house now. My real estate agent ca n't get any answers either. The fair market value is under {$30000.00}, I bought it just before the bubble in real estate collapsed.
AFNI tried to offer a different amount to collect. The collection listed is paid in full to XXXX on authorization # XXXX. Not to mention the agent was very rude.
I XXXX XXXX have been going through a difficult time financially. Recently I have received numerous calls even during work hours on collection of several debts. I would like a cease and desist on these calls, and a settlement offer from each creditor that I can look into borrowing funds from family members to pay off permanently.
I am an international XXXX student at XXXX university. I opened abank account in XXXX XXXX, XXXX, Al in begining of XX/XX/2018, i used the bank depit card for buying some stuff online and paying in super markets correctly. At the beginig of XX/XX/2018 the XXXX XXXX  told me that was closed without showing any reasons. I didn't get my monyback till now. I tried to open an account in XXXX XXXX  and applied online for a deposit account, i recieved a message from the bank that my request was rejected due to a report from a Consumer Reporting Agency which is : Equifax Information Services, LLC ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 
I tried to get what is inside this report but i couldn't. 
The problem now that i want to know what is wrong with me and also i have to open a bank account to recieve my salary on it.
Dispute submitted to Equifax in XX/XX/XXXX for inaccurate reporting of two collection accounts named under XXXX XXXX. Equifax responded with the following statement '' more detailed information will need to be given in order to process. '' The following specifics detail the company and complaint : 1 ) XXXX XXXX @ XXXX Acct # XXXX for the amount of {$48.00} 2 ) XXXX XXXX @ XXXX Acct # XXXX for the amount of {$37.00} Original complaint : Two collection accounts under the name of XXXX XXXX from XX/XX/XXXX had been removed 4+ years ago has now reappeared or reinserted on my credit report. The amounts are as follows : {$48.00} and {$37.00} dollars. I have disputed for removal and I now am filing a formal compliant for I was not notified via mail nor via email that adverse items would be reinserted on my credit report within 5 days of reinsertion. Please review my case and have Equifax remove the negative collections immediately from my report as this is a violation of Fair Credit Reporting Act ( FCRA ), a credit bureau can not reinsert an item on your credit report without notifying you within 5 days of the reinsertion in writing. I was not notified. Thank you.
I filed for bankruptcy in 2008 but it was denied, so essentially my financial status was never bankrupt. 

Please remove this from my credit history. 

Thanks
I exchanged a phone. I had a certain amount of time to return it. In order to gather personal info from the phone, I requested and was granted an extention. I then returned the phone. They have the phone and noted that it was returned, but still charged me the full amount and claim I did not return the phone on time.
*************THIS IS NOT A DUPLICATE********* I started a 72 mo loan with TD Auto Finance XX/XX/XXXX and in XX/XX/XXXX, I began asking them to apply any extra payments I made to the principal balance. They kept denying that I even made the requests with them so I filed a complaint so that they'd have it in writing. TD Auto finance still failed to apply any of the extra payments I made to the principal, instead applying it to my next month 's minimum due, so I would wind up paying a lot extra in interest. 


1. The contract language alludes to a 10 day monthly grace period, but I wasn't notified until the end that this was not a grace period, interest still accrues during those days, and is amassed on the back-end with the principal. 

2. The extra payments I made to cover any additional interest were never applied to the principal and interest - despite filing a complaint about it. As a result, more interest accrued that should have 3. I called them on XX/XX/XXXX to  dispute the amount owed and for them to stop all collection efforts until they recalculated my whole loan with the payments applied. I called them 4 times again between that day and today, XX/XX/XXXX for an update, providing a new phone number 2 separate times for them to contact me. They've never called, but say they've called a previous # that I explained was no longer valid. When I call, they announce that it went to the " cashier 's department '', and that I'd be called. 

4. Despite my dispute to stop collection efforts while the loan is being re-calculated, they have charged an out of the ordinarily large late fee & also reported a missed payment to the credit bureaus. 

5. The original contract says I owed {$35000.00} after interest. I had a little less than {$700.00} in late fees which would total : {$35000.00} I have paid to date : {$36000.00}. They claim I still owe approx {$390.00}, which includes an unusually high late fee of {$62.00} ( normal fees are {$24.00} ). In total : they are claiming I have {$840.00} in extra interest. I have, and will continue to dispute this.
Capitol One credit card opened XX/XX/2004 - I would not use this card as primary and have called capitol one multiple times. Originally from XXXX I called to close card and was persuaded by reps to not close since this was oldest opened line ( baited during college since was purple colored card ). I kept open upon their advice ( mind you was not able to upgrade card but was able to get $ XXXX credit line with rewards approved elsewhere in recent years ). 

So, I kept it opened being reassured there was no annual fee or minimum purchases required. 

I got an alert from XXXX XXXX this week that the account was closed. This WAS my oldest trade line on credit and as a result by closing made my score decrease. 

I called and spoke with supervisor XXXX who could be heard chuckling on the line while I shared my situation. He advised based on the terms and conditions received when I was in college this was ok - I NEVER received notification this would occur. If so, I would have charged {$1.00} annually however was told multiple time by CSRs at Cap 1 no need to do so!! 

Where was the notification to advise account would be closed prior to closing? Again, I would have been more than happy to charge {$1.00} to stay open. 

I want my account re-opened and re-aged to previous status - I will charge {$1.00} per year to cut thru red tape to keep. 

Also, when I attempted to contact and spoke me with supervisor XXXX I was told yes your complaint is heard and captured but there is no formal follow up procedure to which I asked so you just type it to go somewhere with no clue and he said yes- translated to me ; yes I will type your complaint so you hear key clicks but it really goes into Word doc that is deleted,
My loan was sold to XXXX in XX/XX/XXXX who subbed out the servicing to LoanCare. I have made over 10 phone calls and multiple emails to get them to accurately set up my loan and the only person they will let me talk to is a customer service rep who is limited in their actions. XX/XX/XXXX was the cut over date and the original bank ( XXXX ) sent them the wrong property tax bill. Easy fix I think, well here we are over 60 days later and its still wrong. The first analysis they did at my request the ended up sending us an {$800.00} check for the excess escrow funds. I requested a second analysis on XX/XX/XXXX since the first one was incorrect and I sent them the correct property tax bill and made subsequent phone calls to get an update. No update, lots of promises that a supervisor will call me, that the issue is expediated. Same scripted responses from each customer service rep and those are the only people you can talk to. Email responses are simply canned emails that assigned a ticket number. Well, I have never received the promised call backs or a solution. Today I look at the account online and I see not only did they not make the correction of the property tax they increased my monthly payment. In addition they are going to be sending out my property tax payment which will pay a a year and a halfs payment! What in the world? This is the most inefficient company with the absolute worse customer service available. I am a borrower who has received nothing but a run around and now I can only think of legal action to get this done so I can refinance and LOANCARE pay the costs. I am an office manager for a law firm and looking closely at my options. It 's not rocket science to have this done correctly. My property taxes are reduced to {$510.00} a YEAR due to my husband being a XXXX vet ( A TERRIBLE WAY TO TREAT A VETERAN ) and this company show our taxes at {$2300.00} a year plus are getting ready to send the county over {$1300.00} as XXXX of the payment. How in the world could they have come up with a payment increase when clearly my payment should be decreased and we are due another refund. This company is hanging onto OUR MONEY, it is not theirs but obviously they are using my funds. Let me make this easy : Here is the breakdown : Mortgage {$750.00} Taxes XXXX ( {$510.00} annually divided by XXXX ) rounded Ins XXXX ( {$770.00} annually divided by XXXX ) rounded TOTAL MONTHLY PAYMENT : {$850.00} How in the world does that add up to {$1000.00} dollars a month? Does n't matter what I do I can get this corrected!!!!! 

TAX BILL EXCERT : FIRST INSTALLMENT DUE SECOND INSTALLMENT DUE XX/XX/XXXX XXXX XX/XX/XXXX XXXX TOTAL TAXES DUE XXXX LOAN CARE CLAIMS : Payment Amount {$1000.00} Home Owners Ins : XX/XX/XXXX {$770.00} ( they got this correct, but it is the only thing correct ) COUNTY TAXES SemiAnnual XX/XX/XXXX Payment {$1300.00} TOTAL TAXES {$2600.00}
SPS still has yet to respond to my Qualified Written RESPA Request sent via Certified Mail. In their recent response to me via the CFPB they claim that they sent the note and deed of trust. 
The PDF file contains a SECURITY INSTRUMENT signed by XXXX XXXX on XXXX/XXXX/XXXX related to XXXX XXXX XXXX XXXXXXXX XXXX. They lied again. Where is MY monetary instrument. 
Why did SPS attempt to collect payments and pursue foreclosure when XXXX clearly shows that pon XXXX/XXXX/XXXX the note was transferred to XXXX XXXX XXXX? 

XXXX Note XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX Note XXXX Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX, XXXX
I erroneously drafted an electronic check ( bill payment ) to my credit card company ( Best Buy ) for XXXX as opposed to XXXX XXXX XXXX/XXXX/16. Absoutely my error. When I caught the error, and tried to stop the check on the bank side I was told it was not possible since the " draw '' had already been initiated from the bank side, and was requested to contact the credit card company. I did so immediately. I was informed by Best Buy that they also were unable to do anything until the payment was actually posted. When it finally did post on XXXX/XXXX/16, I called and was told a refund would take 30 days to process unless I could provide a fax from the bank indicating that the check had cleared, If I could do so I was told that an epedited return could be handled in 4 days. The bank did so on Friday XXXX/XXXX/16, at my bequest. I have called Best Buy several times now, and am being told that it takes several days for a fax to show up, but that they have acknowledged an expedited request for refunding the entire payment. Unfortunately, now they are reporting that thsi will take 9 days to process. I am simply asking that the amount be returned immediately via ACH, in the same way that it was easily processed in a couple of days. I find it egregious that these delays are acceptable in today 's world of immediate electronic transfers.
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
On XX/XX/2018 I sent a letter to Amsher requesting VALIDATION of the debt that is appearing on my credit report. On today XX/XX/2018 I received a 4 page document from Amsher Compassionate collections that has a 2 page bill from XXXX in the amount of XXXX dated XX/XX/2018 attached along with a letter from them that is dated XX/XX/2018. A bill is not proper validation of the debt and they are not the original owners of the debt. Nor were they able to provide any validation of the debt. 

below is the exact letter verbage sent to amsher. 


This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 
2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

None of the above was provided the only thing that was sent was a bill which is not validation.
Placed calls to XXXX, XXXX and Equifax in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.
I just filed a dispute with XXXX. a few of my accounts which I paid off and have a XXXX balance they are still showing I owe that balance. how can this be dealt with improper information which it effects my credit and it's been a good two weeks since these payment balances were made. A few of the accounts show a XXXX balance but there are others that don't.
I signed up for what I though was a student loan forgiveness program through Ameritech financial and through my authorization have been having {$99.00} debited out of my checking account for more than 24 months. I just learned the funds are not being applied to my student loan through the Federal Trade Commission via letter and email. After confronting Ameritech about this matter, the company denied the allegations, however agreed to close my account as I wished but did not offer to return any funds that I have paid. I have since had to contact my loan servicer to bring my student loans up to date as they were showing I was in default. The company mislead me by contacting me through the mail and giving me false information as to how my student loan would be forgiven. Ameritech stated that my loan only had to be paid for 10 years for forgiveness, and if I listed family members of at least 10 people who received more than half of my support I would have an easier chance of being approved. After sending them all of my information Ameritech said I was approved, and my payments began. All of my payments were electronically submitted and my bank statements has all of the total payments.
ARS ( Account Resolution Service ) continues to have listed and will not remove from the credit bureaus XXXX debts that I do not believe are mine. I have sent them multiple request to verify these debts and all they are sending me are their " form '' letters that say I owe a debt. I have repeatedly ask for a " signed document '' and they have not/will not provide any such documentation. If I had any such paperwork, it would help prove the validity of the charge. I do not believe it is mine and I also suspect that it may have been filed incorrectly under medicare/medicaid for another hospital related incident.