WillisBack/dataset-financial-user-claim huggingface dataset:
I went to sign in at annual credit report .com and in order to get all three reports i have to answer XXXX questions per a report. XXXX XXXX was fine. The next report I tried to get had XXXX questions, the XXXX question stated I had a mortgage and a loan amount. I do not have a mortgage and no monthly payment. The XXXX time I tried I selected the option ( none of these ) I failed to get in. Then I tried again and got locked out. I can not get my credit report because a mortgage with an unknown bank is on my report.
I have a derogatory mark for a collection from XXXX XXXX XXXX   starting XX/XX/2015 of {$160.00}. It originally came from XXXX. I had no knowledge of this derogatory mark. I had a motorcycle for a very brief period in which I had to get insurance on. I never had ANY issues with payments at all. I had everything on autodraft. So I was very surprised to see the derogatory mark and not have the ability to get it removed. I am hardworking and starting a business and want to put myself in a better place.
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times. Ssn XXXX
A place called Convergent is constantly calling me on my work phone. They have been told before not to call my work. I will file a complaint with the FDCPA if the calls do n't stop. I also want verification of this debt.
I spoke with a representative on XXXX XXXX 2017 because I have n't got a response back from them spoke with a representative by the name of XXXX. Regarding a dispute I sent in XX/XX/XXXX which the representative confirmed that they got my letter. The letter that was sent was disputing three collections by the name of XXXX XXXX XXXX and six XXXX accounts reporting late payments that I stated that the collections were unverified and the XXXX accounts were showing inaccurate late payments under the fair credit report act section 609. The representative mentioned that the agent that received my letter in XX/XX/XXXX failed to properly process my paperwork and that 's why the XXXX accounts have n't been processed to XXXX. She also mentioned that the collections were previously disputed XX/XX/XXXX and that the collection company replied that they would stay and that 's why they were still on my credit report. At this point its been over 30 days with no response from Experian and no correction or investigation in to my letters.
I have now paid 27 % interest with a {$120000.00} prepayment penalty and {$99000.00} balloon payment for my house. 

Is this illegal? 
I believe the balance is my XX/XX/XXXX mortgage paid off in XX/XX/XXXX refinance with XXXX.
Received threating calls, that Ace will persue legal and criminial charges against myself when I paid off a loan back in 2009. But do n't have receipt that proves I paid it off. End up paying them back XXXX so the charges will be drop.
Tonight I looked a my credit card balance that I knew was to high. It is my XXXX  with Capital One ending in XXXX. On XX/XX/2018 I purchased an an alarm system with XXXX, however, it was not a good fit so I canceled the account. I had already paid my Capital One card and had a XXXX balance, so when XXXX refunded me it showed on my card as a XXXX  credit. I contacted the card company and they issued me a refund check. They show on my XX/XX/XXXX statement billing cycle shows as XX/XX/XXXX - XX/XX/XXXX that I was credited back from XXXX  on XX/XX/XXXX and then they turn around and charge me the same amount that reads credit balance refund of XX/XX/XXXX, I called the company and got a representative that attempted to explain something that is unexplainable. I told the associated I made the purchase in XX/XX/XXXX I received my refund check because at the time I had a XXXX  balance with Capital One, how is it possible that you all then placed back on the account as a charge. She could not make nonsense make sense so I asked to speak with a supervisor. The rep that got on the line was XXXX. He attempted to do the same thing, I told XXXX if he looked at my history he would see that there was a charge in XX/XX/XXXX, I had a XXXX balance and they sent me a refund check on XX/XX/XXXX but on XX/XX/XXXX I show they put it back on my card as a charge although I had paid the card off and that is why a credit balance was sitting on my account in the first place. XXXX kept attempt to explain it away as well as though it was right but it is not. I asked to speak with his superior he stated there was no one over him. I told him everyone has a superior unless they are the owner of the company and he stated there was no one over him. I did inform him I would be reporting them to the Federal Trade Commision and the XXXX. He refused to give me the corporate number stating it was the same customer service number I had phoned, he refused to give me the address that I could send a letter of complaint.
Had taken {$1100.00} Cash Advance from PNC credit card on XX/XX/XXXX and am wanting to refund it in full today on XX/XX/XXXX.However, have been told to pay full amount outstanding as of today i.e {$2100.00}, though my next Statement balance is due XX/XX/XXXX for only {$560.00} and the other balance amount will be due only XX/XX/XXXX. Blatant malpractice, not allowing consumer to pay in full the cash advance portion only merely 10 days after it being taken. Why can not PNC apply my payment towards the cash advance and want me to pay full balance of over $ 2k two months in advance to apply {$1100.00} of Cash Advance loan? Its malpractice and a fraud! Please do help!
I was sent a letter on Saturday that states that I do not have sufficient insurance on my property and that Caliber Mortgage was obtaining insurance on my behalf. They sent this letter after they increased my monthly mortgage without asking prior questions and without notifying me of any issues. 

I called in today and Caliber Mortgage refused to escalate the call today stating that no one above a supervisor is available and no one will in management will return my calls. XXXX # XXXX refused all escalation requests to anyone above her. She did not have a copy of the letter but kept telling me that XXXX did not get additional insurance on my behalf ; but that is exactly what the letter in front of me says. She did not know that my insurance is covered by the HOA and told me I have to send them all of my HOA documents to prove that. When I stated that they have all of the HOA documents as part of the closing documents and process, she could n't answer as to why they did not know that the insurance was included in the HOA dues. 

She was obviously being coached because she covered the receiver of the phone and I could hear someone whispering behind her and then she told me ... Your HOA has not updated us with your insurance and they were simply sending me a letter requesting help to get new insurance copies. That is not what the letter states at all. They do n't request any documentation from me within the letter ; it is just telling me that they have taken action by securing insurance because I did not have any. 

This is continued examples of Caliber 's constant mis-managing of my account and I 'm sure many others. This and the many other problems I 've had with Caliber show they are incapable of managing mine or any other mortgage. All Caliber needs to do is to email or send a letter to the HOA and a copy of that letter to me requesting an updated Insurance Binder for my town home and one would have already been provided by the HOA management company. The fact that Caliber did not know that my HOA covers my insurance was telling and the fact that Caliber did not reach out to the HOA for it is because they did not identify on the account that the insurance was covered by the HOA. 

I expect all charges to be reversed and my mortgage amount lowered. I want my loan sold to any other lender would be better than Caliber. 

XXXX XXXX XXXX
I applied for the REPAYE plan in XXXX of XXXX. I was informed by Navient that my school had not updated my status in regards to my graduation in the end of XXXX. I called my school XXXX university and the problem was rectified and was informed by navient that my loans would be consolidated and after that my REPAYE plan would be processed. After this I did not receive any notification from them regarding my repayment plan until today XX/XX/XXXX. I was informed via phone call that my payments were delinquent. After I informed them that this was incorrect as I am currently a XXXX  XXXX, I was informed that my REPAYE plan was never processed and they told me that I never uploaded proof of income, which is false. As a student that year I was not working and after speaking with their representative at the end of XXXX of XXXX I was told to upload my proof of income, with my last job being in XXXX and I uploaded my pay stub to their website. After speaking with a representative today they sent a notification to my previous address, that I did not live at anymore and then was informed that they sent me a letter in XXXX of XXXX to my new address regarding this information that I did not receive. I was never called or emailed ( my preffered method of contact which I choose on their website ) and now I am stuck paying roughly {$7000.00} in intrest on loans that I would not have paid if my REPAYE plan had been processed. Again I uploaded this information in XXXX of XXXX and called again at the end of XXXX to confirm all my documentation was correct and I was told everything was correct and my documentation would be processed after my loans were consolidated. Not only was I deliberately misguided by Navients representatives they according to them only attempted to notify me once about this issue 4 and a half months ago.
XX/XX/XXXX not g iven options on IBR and thus went into forbearance. This made my loan very large in sum.  <P/>  XX/XX/XXXX - XX/XX/XXXX  I discovered recently that whenever I have been paying EXTRA on the loan, Navient is automatically applying the payment to the loan with lowest amount or lowest interest and keeping the large sum loans with large interest amounts intact. This of course benefits Navient and NOT me. This was not disclosed to me at any point, until I started asking questions on how the payments are being applied.  <P/> This practice has put me back an amount I ca n't even measure.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
This company fraudulently put a collection on my credit profile even though the bill was paid. The initial bill was sent in error to the company, who claimed they sent out correspondences but also stated my account has been in collections since XX/XX/XXXX. However, my wife and the provider 's wife XXXX, have been in constant contact regarding the bill. The provider was advised to submit the bill to us via email so we can present it to our HRA to be paid ; unfortunately, the bill XXXX submitted more than once was denied payment because it was an unacceptable format. Since I moved during that time, I was unaware that they were not paid ; until we received an email from the XXXX in XX/XX/XXXX.  Immediately my wife contacted XXXX and provided her with our credit card over the phone, to which XXXX said she didn't know how to process the payment without the card being present. My wife then took off work and went into the office and paid the bill and XXXX gave her a card, wrote the amount and the word " paid ''. My wife then submitted that card to the XXXX for reimbursement, which was denied and had to go into the office for a proper printed receipt. During this time, we moved again and received a forwarded letter from Capital Accounts. My wife called to let them know this bill was already paid and believed this was an error since XXXX is elderly and spoke with XXXX on XX/XX/XXXX at  XXXX. XXXX asked for a copy of the receipt which my wife informed him then that she is still waiting for a proper receipt to present to our XXXX and XXXX then stated he would initiate an investigation to contact the provider to verify the information. Since then, my wife finally received the proper copy of the receipt and since we have not heard anything from Capital Accounts, we assumed they too were given confirmation of payment. However, on XX/XX/XXXX Capital Accounts confirmed the debt was still unpaid on my credit report. We called them back on XX/XX/XXXX at XXXX and spoke to XXXX, who basically tried to strong arm us into paying this bill again and was unwilling to do research to see if that investigation was ever initiated or if the provider ever received payment. He also said even if I paid it Capital Accounts  still had it as due and I would need to pay it to make it go away. We disconnected that call and called right back and spoke to XXXX at XXXX. XXXX was briefed on the same and stated he is unable to do anything but put in a request to contact the provider but the only other option would be to pay the bill and get reimbursed from the provider. This is affecting my credit and is unfair to me as a consumer since my wife and I have been in constant contact with the provider 's wife XXXX ; although she's older, there's no need for me to be penalized for either an oversight or negligence on the part of the provider 's office or the collection agency ; who should not have had my account as it was already paid. The fact that Capital Accounts refuses to verify the payment and is constantly suggesting I pay the amount in order to have it removed from my credit report is alarming and in my opinion a bullying tactic.
I have reported to the credit bureaus, ARS and this is my second complaint through Consumer Financial Protection Bureau. 

ARS refuses to validate the debt they say I owe. According to section 809. ( B ) of the Fair Debt Collection Practices act. 

They never send any copies of proof of this debt or how it is mine. ARS continues to send me a letter with amounts and dates with no judgement, contract or physical proof of this debt.
On XX/XX/XXXX I went to a XXXX store to start a new service to take advantage of a special offer as I already had mobil phone service with XXXX XXXX XXXX. 
The customer service representative signed me up for the special offer. I specifically asked him if I could cancel and get a refund of the initial $ XXXX dollars. He said yes as long as I did within 14 days. I explained to him that we live in a rural area of XXXX XXXX county and that even though your coverage map includes our area some cell phone services do not work there. Our XXXX XXXX XXXX service works very well at our address and I was only trying to take advantage of a really good deal XXXX was offering at the time. 
So I started the service and when I got home I found out that the service was almost useless because of the in and out fade with only one bar of service showing on the phone. A few days later I returned to XXXX to shut down the service and get a return of the deposit and stop the auto pay that was initiated on my credit card to pay for the reoccurring monthly charges. I explained to the service representative that the service does not work well enough at my home and wanted to cancel and get a refund. He cancelled the service and returned the deposit to my credit card account. Everything was fine except the reoccurring monthly charges started showing up on my credit card. 
I talked to the XXXX store about this problem and they told me to call XXXX service. 
I called XXXX  service and explained to the service rep what had happened and she told me it was taken care of. The charge reoccurred again the next month on my credit card so I disputed the charges to my credit card company and had them stop the reoccurring charges to XXXX. My credit card company refunded the charges and stopped the reoccurring charges. Good, so I have gotten my money back and everything is fine. 
Not really. XXXX referred my account to a collections company. I called the collections company and disputed the charges. OK. Not really. They referred the account to another collections company and that is where I am at right now. The second collection company for the same reoccurring charges that should have never been. I have no intention of paying these charges of {$210.00} and I will dispute them again but it seems to me there must be something wrong, even criminal about this. The current collection company is : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX/ XXXX  XXXX XXXX , WA . XXXX Dated XX/XX/XXXX Convergent acct. # XXXX Client acct # XXXX Hope there might be something you can do about this.
I have sent  XXXX  several letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I sent th em a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA legislat ion passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .
Sent previous dispute to collection agency along with previous correspondence informing the debt is not validated and that I do not have any delinquent accounts with creditor. Also reached out to creditor XX/XX/18 to confirm that there aren't any past due or charged off accounts. Any account I previously held with creditor has been paid in full and is reflected as such on my credit report and my current account with the creditor is in good standing.
I had a balance of {$10.00} in my account and made a transfer using XXXX from another banking institution in the amount of {$25.00}. After I made the transfer I made a debit card purchase using my pin for {$32.00} and it successfully cleared. This morning I noticed my account had an overdraft fee of {$34.00} because the XXXX transfer was still pending. I feel that it is unfair to have been charged this fee because simply, if the money was not available to use, my debit card should have been declined. I called Chase bank and they explained that I did not meet the cut off time for funds to be available same day. While this explanation makes sense, what does not make sense is how I was allowed to use my debit card with my pin while the funds were not posted because I did not meet the cut off time. I am certain that many people have been in this situation before and it is unfortunate that Chase bank is taking advantage of customers with obscure transaction processing methods.
I cosigned a private student loan from Navient for my then partner XXXX. My former partner made payments on time for nearly 6 years until he lost his job in XXXX. My former partner did not finish his degree, so he could not request cosigner release from the loan ( The loan holder must request cosigner release and there is a whole list of requirements that I was not aware of. I thought the loan worked exactly like my student loan from XXXX, after 2 years of on time payments, my cosigner was released ). Due to the confusing and unfair terms of the cosigners agreement, I am now stuck paying off the loan for someone I am estranged and ca n't contact.
I purchased a new XXXX XXXX pickup truck in XX/XX/XXXX. The loan was through Fifth Third bank. I provided proof of insurance at the time of the purchase making 5/3 bank the loss payee. In XX/XX/XXXX I started receiving notices that they could not confirm my insurance on the truck. I sent them the declaration page. XXXX I received another notice, same issue. This time I had XXXX XXXX send in all the insurance information as proof of insurance. For the next 5 months I continued to be inundated with monthly bills for unpaid insurance amounting to {$4600.00}. 5 bank was charging me approx {$1000.00} per month for what they call collateral protection insurance ( CPI ).  All along I am emailing them proof of my insurance. On XX/XX/XXXX, they repossessed my truck at XXXX, from my driveway. I received a threatening letter from XXXX XXXX and one from XXXX XXXX ( VP ) stating they have my truck and unless I pay the {$4600.00}, they will sell my truck at auction on XX/XX/XXXX. So i didn't have my vehicle for 2 weeks and this was a huge burden on my schedule and my family. The problem is the 3rd party insurance company they own has call screener 's so there is not just one person handling an account. When I tried to explain the situation to the bank, they blame it on the insurance company and vise-versa. In my opinion this is a scam targeting high end vehicles, because they know they'll pay off just to get the vehicle back. I did not pay them off and they realized that they had no legal right to sell my truck for an unwarranted claim. Then they said I had to pay the {$400.00} towing bill to get my truck back! Why? Fifth Third bank made a phony claim, why do I have to pay? They eventually dismissed all charges but the damage was done. When I got my vehicle back my keys did not work because the had a locksmith go to the impound lot the very next day and have keys made. When they did this my programmed keys were erased and my theft deterrent system is now damaged. I had to tow my vehicle to the dealer to fix it and that's where it is today. All this because Fifth Third bank tried to squeeze {$4600.00} out of me. This is a scam and needs to be stopped. I'll never deal with this bank again. I also informed the nationwide dealership to consider the loans they are selling to their customers because of Fifth Third Banks unscrupulous business practices.
Not only was my own mortgage payment drafted from my bank account but in addition, someone else 's loan / monthly payment was ALSO drafted from my account in the same month within one day of each other. Despite several emails, phone calls, promises for call backs, I have not been able to get resolution. I 'm put on hold and then eventually hung up on. I have provided proof of the erroneous draft as well as the other person 's loan number.
I've sent validation letters to the creditor asking them to please validate that this debt is mine, on XX/XX/2018. It is now XX/XX/2018 and I have yet to get a response or proper validation. I'm asking that this account be removed from my credit report immediately. Thanks
XXXX XXXX XXXX XXXX was born at XXXX hospital XXXX. XXXX XXXX XXXX  submitted a balance owed to my collection report with no prior indication of a balance owed. XX/XX/ through ic systems. Debt was from improper insurance billing. XXXX supervisor XXXX stated on phone conversation that a wrong insurance was billed and debt should not be owed. Please remove from my collection report immediately