WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2016 Good Afternoon, I have currently a Continental Finance SURGE credit card. I try but am unsuccessful on a regular basis to do all my business with this company on their Continental Finance website, but I have continual trouble logging in, which forces me to call my payment in over the phone. Continental Finance is aware of this problem, and take my payment over the telephone, waiving the XXXX phone pay fee for me. I signed up for paperless billing months ago, but I never received the emaisl indicating my bill was ready to view and/or pay. As a result, I missed two ( 2 ) payments, incurring late fees and a negative reporting to the credit reporting companies. I am trying to repair my credit, and this can only delay my progress in doing so. Also, I have had repeated difficulty signing onto the Continental Finance SURGE website, which is extremely frustrating. I have advised the company of this issue regularly when I contact customer service. As such, I have to contact a customer service rep via telephone, and make a payment over the phone. They always waive the fee due to their online issues.
ARA has called our home repeatedly even after we requested that they stop calling and threatened legal action on an auto loan that my husband had in the XXXX. They also knew the companies that we have credits cards with and the balances and limits on the cards. They said that they were going to charge the amount that they say we to our credit card. They were insulting saying that if were we responsible adults we would pay what we owe.
HI I TRADED IN A VECHILE 2 YEARS AGO TO XXXX XXXX IN XXXX NEW JERSEY. COMPANY NEVER PAID THE LOAN OFF ON THE VECHILE. IVE BEEN PAYING IT FOR A YEAR AND HALF AND UNABLE TO PAY ANYMORE. THE DEALERSHIP SOLD THE CAR TO ANOTHER PERSON AND REMOVED THE LEIN OFF THE TITLE AND MYSELF AS TITLE OWNER. I FILED A POLICE REPORT WITH THE POLICE DEPARTMENT IN NEW JERSEY. THE VECHILE WAS NEW YORK STATE TITLED WHEN I WAS LIVING IN NEW YORK. THE BANK HAD NOTIFICATION FROM THE DEALERSHIP THAT THE VECHILE WAS TRADED IN, I EVEN HAD PAPERWORK OF THE TRADE IN WHEN IT TOOK PLACE. THE DEALER I BROUGHT THE CAR FROM WAS LOCATED XXXX XXXX XXXX, SALE PERSON XXXX XXXX WHO IS UNDER INVESTIGATION FOR A XXXX DOLLARS IN LOAN FRAUD. ITS NOBODY TO CONTACT BECAUSE I WASNT THE FIRST VICTIM. I HAVE NOTHING DELINQUENT ON MY CREDIT REPORT AND LOOKING FOR A RESOLUTION. THE BANK BMW FINANCIAL SENT ME A POWER OF ATTORNEY TO GET THE TITLE BACK IN MY NAME. I ALSO ASK THEM TO HELP ME PUT OUT A REPOSSESSION ON THE CAR TO GET THE CAR BACK. THEY SAID THERE IS NOTHING THEY CAN DO. I NEED HELP BECAUSE I HAVE KIDS AND CANT GET MY CREDIT RUINED.
They are calling daily demanding payment on something I know nothing about. I do n't know what ERC is or why I 'm being harassed.
Navient has a pattern of using abusive and deceptive debt collection tactics to try and collect on my student loans. On XXXX XXXX, 2015, I received an email from a XXXX XXXX XXXX at Navient who asked me to give him a call to discuss my " concerns. '' This was the same XXXX XXXX XXXX who on XXXX XXXX, 2015, also sent me an email asking me to give him a call. On XXXX XXXX, 2015, I did indeed give XXXX XXXX XXXX a call. On XXXX XXXX, 2015, during the phone call with XXXX XXXX XXXX he used abusive, threatening, and hostile language. He threatened me with increasing the interest rate on my student loans if I did n't comply with his demands of continuing to pay XXXX XXXX XXXX XXXX who is a debt collector who was hired by Navient to collect on the student loans. I have filed multiple documented complaints against XXXX XXXX XXXX XXXX ( XXXX ) because of their deceptive and abusive debt collection tactics in flagrant violation of the Fair Debt Collection Practices Act and who are collecting on behalf of Navient. XXXX XXXX XXXX at Navient told me that I had no choice but to keep paying XXXX even though they have repeatedly broken the law, including the FDCPA, and XXXX XXXX XXXX stated that If i did n't keep paying XXXX my interest rate would be increased by Navient and Navient would tack on additional fees and costs to my student loans as a result of not continuing to pay XXXX. I need all communication from XXXX XXXX XXXX to be in writing. He has used threatening and abusive language in the past and I do n't want to be subjected to more threatening and abusive language. The threatening language by XXXX XXXX XXXX at Navient has caused me severe emotional distress. I have over two years of documented evidence against Navient and the debt XXXX they have hired to collect on my student loans. This documented evidence includes multiple severe violations of the Fair Debt Collections Practices Act, severe violations of the Fair Credit Reporting Act, use of deceptive debt collection tactics, use of threatening debt collection tactics, misrepresentations, and unfair business practices including excessive fees and collection costs. All these violations have caused me severe emotional distress and health issues.
Outrageous interest rates where not even 10 % of the payment made is being repaid the the principal. Asked for a reduction in interest and it was denied. {$180.00} payment made {$160.00} paid toward interest {$22.00} went to the principal and the payment amount is constantly increasing on a {$1200.00} line of credit.
This loan was consolidated with Department of Education / XXXX on XX/XX/XXXX, and XXXX/XXXX/XXXX  Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX. 

We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by XXXX XXXX/XXXX/XXXX continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues. 

My local credit union representative has has called XXXX/XXXX/XXXX Funds multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX. 

XXXX/XXXX have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for XXXX XXXX   account ending XXXX.
In XXXX 2015, the student loan servicer lost my documentation to support a new payment plan. I have an email that was sent to them with the documentation, my social security number, and name which was what the associate said was needed to submit the documentation. In XXXX 2015, after 2 months, I was notified of the missing documention in XXXX 2015 the agent told me if I made a payment my loans would be current and my credit would n't be affected, so I made a payment. Now knowing better I checked five weeks later, my repayment plan had still not been processed, so I had to make another payment to keep my loans ( what I thought was ) current. The following month I checked again and my payment plan was in place, I set up auto pay and did n't think of it again until I applied for a mortgage and was surprised to find that in XXXX 2015 I was reported 120 days late on XXXX separate accounts seriously affecting my ability to secure a mortgage. I called the servicer to file a credit complaint and was told that it appeared a payment was processed incorrectly and that the department is not reachable by phone and this matter would take 7 to 10 days. When I called 7 days later I was told this was still in process and they would contact me for a resolution. When I called to check on the progress at 10 days I was told that I was misinformed and that these claims take a full 30 days. I was also told that there was nothing I could do to dispute the misinformation I was given. I asked to speak to a supervisor, who advised me that I could not contact the resolution department, that I could not move my loans to another servicer and that I would be forced to wait as this situation appeared to be due to my fault for not paying from XX/XX/XXXX to XX/XX/XXXX ( still not 120 days past due ). I asked to speak to a supervisor again and was told that I could not speak with anyone else and that he would submit my case as a teaching tool for other associates to assure the misinformation was corrected. I received an email that a complaint was submitted.
The CARD Act requires that my credit card due date has to be at least 21 days from the day the statement is sent. So, that 's 21 days plus 30 days before any late payments are reported to the credit bureaus ... or 51 days. My account with Care Credit / Synchrony Bank was not 51 day past due. Nonetheless it ( my account ) is inaccurately being reported to multiple credit bureaus as a late payment.
XXXX/XXXX/17 This is a follow-up to my complaint Case number : XXXX. 
I went to my local Wells Fargo branch to make my monthly payment. The coupon states that I owe {$0.00}. Because I have been told that I ACCRUE interest to have NEGATIVE interest owing if I do not pay, I wanted to pay the interest & make a principal payment. I was unable to complete the transaction because they have no means for me to do this. In fact, although the bank official was helpful, she was unable to tell me why my last two payment, both of which I wrote ON MY CHECK AND ON MY COUPON that I was making the amount of the interest payment AND the remainder to principal, both were credited to interest. She showed me on her computer that both were credited to interest even though I called Wells Fargo and asked that the over payment go to principal and both persons I spoke to assured me that they would credit the overage to a principal payment. They simply did not do it. Now if I do not make a payment today for interest that they say I do not owe, they will say that I owe back interest. If I make a solely principal payment, they will still say that I owe back interest. Please help.
National Service Bureau continues to report derogatory information to the XXXX major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : XXXX XXXX with your client that grants you the authority to collect on this alleged debt. XXXX XXXX that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
XXXX Any insurance claims been made by any creditor regarding this account. XXXX Any Judgments obtained by any creditor regarding this account. XXXX Name and address of alleged creditor. XXXX Name on file of alleged debtor. XXXX Alleged account number. XXXX Address on file for alleged debtor. XXXX Amount of alleged debt. XXXX Date this alleged debt became payable. XXXX Date of original charge off or delinquency. XXXX Verification that this debt was assigned or sold to collector. XXXX Complete accounting of alleged debt. XXXX XXXX for debt collector if collection efforts are successful. This agency has yet to provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, Equifax, and XXXX Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue
On my XXXX report I have debt collecter XXXX XXXX collecting for XXXX XXXX in XXXX. I have made 3 dispute claims with XXXX and XXXX and it still remains on my report. First attempt XXXX, second XX/XX/XXXX, & XX/XX/XXXX. Each complaint gets returned correct debter. That is not factual I'm telling XXXX XXXX XXXX its fraud and filed with the FTC for documentations. I spoke to XXXX ( XXXX ) whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like XXXX has done as well as XXXX   and with only one dispute filed. Please give me support in mediating and exersing my Fair Credit Rights. 3 disputes and will not remove it is rediculous. Last checked with XXXX XX/XX/XXXX pending investigation.
I am a public employee. I applied for the publc loan forgiveness plan for myself and my wife ( both XXXX  ). I have called them many times over the years and they assured me I, and my wife were on track. They sold our loans out to another lender and still assured me it would not affect my Public Loan Forgiveness status. I now find after filling out the paper work we do n't qualify. On many occasions I have called them and they gave me no information. I have waited for this forgiveness for ten years only to be told due to some weird technicality I do n't qualify.
I filed bankruptcy in XX/XX/XXXX and included my XXXX Home in the bankruptcy. The chapter XXXX bankruptcy was discharged in XX/XX/XXXX. Over the nest few years I worked hard to rebuild my credit, moving to XXXX for a better job. In XX/XX/XXXX my husband and I applied for a mortgage and were approved up until 2 days before the closing. We were told that we could not close because the home had never gone to foreclosure sale. I tried for the next couple of years to find out why and no one could answer me. Finally in XX/XX/XXXX I was issued a foreclosure notice along with a " Notice of Filing the Original Affidavit of Lost Note ''. Because of the incompetence of XXXX XXXX and Seterus, the company then handling the note, I was unable to purchase a home I qualified for in every other respect. I believe I am entitled to some kind of compensation for this problem and negligence.. It was no doing of mine, I followed all of the procedures I was supposed to and was held back from purchasing my home. With only 2 days notice, my husband and I had to put all of our belongings in storage for a month and live in a hotel until we could find a home to rent. I have had to rent since then.
I am submitting my complaint as my original inquiry was not addressed. CFPB dispute case # XXXX. 

Equifax simply repeated the same information they have been telling me since XX/XX/XXXX. When I mention that to them they tell me it is the creditors fault. Since there is more than one, I know that is not true.
Within the past couple of years I have had so many issues with the student loan service XXXX. It all began in XX/XX/XXXX. My family had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mail in XX/XX/XXXX about my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to XXXX. I never received confirmation that I was approved or denied. The letters stopped and I did n't worry. In XX/XX/XXXX I received a letter informing me that XXXX was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a year. Since XX/XX/XXXX, I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XX/XX/XXXX via email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just suck it up and deal with the damage toy credit.
All three major credit bureaus have illegally hoarded my person information without this my expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace me. I would also like thank the CFPB for protecting her/his Personal, Family, and Household.
Key bank has an auto loan I took out with a different bank they aquired. I called on Thursday to make a payment to the bank I authorized a payment of {$800.00}. The bank made a mistake and processed two payments for {$800.00} totaling {$1600.00}. When I noticed this they said they can only send me a check overnight in the mail. I will be traveling and needed this money to check into a hotel and they are basically telling me too bad. I
hello good morning, I am presenting a new report against XXXX XXXX cards for their constant increase in interest month by month
I received a call today from a private number, he said his name was XXXX XXXX and he was calling to make an appointment to get documents signed. When I asked what the call was about, he gave me a number to XXXX, # is XXXX with a reference # also. 
When I called them, I was told it was for a payday loan, I told them I had never taken one out with spotloan. They proceeded to tell me if I did not make an arrangement for {$100.00} today or a payment of almost {$900.00} today, they would take me to court.
XXXX acct number XXXX was to be removed from my credit report in it 's entirety by XXXX XXXX per my old Experian credit report. 
this account is still being reported today after several disputes. the credit bureaus have verified the account or the credit bureau has claimed to have processed my dispute. 

also there is a lein that was released back in XXXX XXXX this is not being reported by the court or recorders office. thus the credit bureau should not be maintaining this record. after sending certified letters to both XXXX and the credit bureaus on XX/XX/XXXX concerning these accounts I have been ignored. 

I continue to incur damages as a result of the credit bureaus reporting. denied a home loan.
XX/XX/2014 I was finance a car people commerce inc and I was paying my note never missed a payment I had a car accident and the car was tolled away the people from XXXX XXXX XXXX was suppose to put the car up and repair it and give me a laoner I called every day about the car I'm was put on hold or was told someone would call me back so I played the cat and mouse game with them for a couple weeks the whole time I was out of work because I didn't have a car the only time I receive a call from, the was when it was time to make a payment here it is 4years later I still have not heard anything from them but they put it on my credit
I reported my card as lost or stollen, bank closed my card and issued me another one, but debited all disputed transactions back.
XX/XX/2018 - XXXX XXXX  contacted my Landlord 's mother several times over the past two weeks. This person has no relationship with me, the only way they could have gotten her number was to search for my Landlord 's name. I have already made payment arrangements to bring my account current yet the continue to call her looking for me, she lives in another state and does not know me.
My XXXX year old mother was solicited by a predatory lender, RISE for a personal loan. She agreed to a {$1300.00} loan but was told the California law stated the minimum loan amount was {$2600.00}. Her interest rate is 125 %, how is this legal? She is on a fixed income and RISE has set up an auto pay with her checking account with a monthly payment of {$470.00}. No income documentation was required from RISE to determine her ability to repay the loan. How is this legal? This is elder abuse! Please shut this company down
Despite my repeated requests for them to desist, RISE Credit persistently email me with offers of loans which I do not want and for which I do not qualify. I am a XXXX XXXX, living in the XXXX and ineligible for a short-term US dollar loan from a company in Texas. Despite pointing this out to them, they persist in filling may inbox with daily offers of loans.
I received an email from PayPal on XXXX XXXX saying I owed money for PayPal Credit. I do not remember using PayPal credit. There was both a {$25.00} late fee and {$6.00} interest. I checked my emails and I did not receive a statement in XXXX which the representative said probably did not happen. I would have paid my bill then. He did waive the {$25.00} but said that the PayPal process could not refund the {$6.00}. Yesterday I read that CFPB Takes Action Against PayPal for exactly my problem. I believe I designated that my credit card be charged for the transaction and did not mean to use PayPal credit. How can I join this action for a refund?
Created an account with Viamericas to transfer money to a friend in XXXX. The account set up included personal bank account numbers to facilitate the transfer. Initially I was notified that the transaction was " successful '', but the recipient never received the funds. The company 's website later indicated the transaction was cancelled. Thankfully, my account was not debited. I made numerous attempts to contact the company 's customer service and have the account closed. Most of the time I was put on hold and then the line went dead. I received XXXX e-mail from XXXX XXXX XXXX ( XXXXXXXXXXXX ), Sr Fraud Risk ManagerViamericas Corporation, on XX/XX/XXXX, stating my request to close the account had been forwarded to their IT department. I have not received any further correspondence and the account appears to be still active. I am concerned about the potential for misuse of my account information.