WillisBack/dataset-financial-user-claim huggingface dataset:
I borrowed a loan from a company called NetCredit. The loan amount was {$2600.00} dollars with monthly installments of {$150.00} debit from my checking account every XXXX of the month. The loan was funded on XXXX/XXXX/2015, up until this day I have only paid {$110.00}. When I called to inquire why my loan amount was n't going down I was told that some all the money goes to the interest and some months only a percentage goes to the principal. It has been over a year and in total I have paid {$1800.00} and only {$110.00} of the principal has been paid. The interest on the loan agreement is an annual rate of 65 %. When I called they told me that some months all the payments goes to interest. This can not be legal, this is abuse of power and abuse to consumers. This business should be investigated, when you borrow a loan and make monthly payments a portion should go to your principal no matter how much the interest is. This is straight up robbery.
I have sent over 3 letters to National Credit Systems, asking them to verify the debt they say I owe and advised them the original creditor has already removed their reporting of the debt off of my credit due to bill being fictitious and made up by a property manager who was upset that we made a complaint against her with the corporate office. After investigating our claims of this manager not repairing things in a timely manner and refusing to move our family in a new unit after a neighbors unit caught on fire and partially burn down ours, they fired her but it came after we had already moved out. The company keeps sending me a copy of my lease with the original creditor in which I have with a made up bill from that property manager with her name on the bill. There was no furniture left in the unit and nor were we evicted from the property, and all keys to the unit and mail box was turned in to management. This reporting on my credit is preventing me from obtaining a pre approval letter for a home loan and damaging my credit worthiness. The fire happened on XXXX XXXX, 2013 at night while we were away from the home. We were called to get as much out as possible and my family was placed in a hotel for a couple of days and not allowed back in for over a week. I moved out on XXXX XXXX, 2013 due to their property manager stating she did not have another unit to put my family in but she allowed our neighbors to move into another unit who stayed on the other side of the burned down unit. My youngest son has XXXX and the smell of the smoke was too intense and our townhome was no longer suitable for living in. I advised corporate after moving what happened and was told I would not owe them anything and they apologize for the actions of their employee. 

In the end there was no eviction and there was no bills left unpaid. I have attempted to call National Credit Systems and asked them for the President or CEO name and I get hung up on, I have been forwarded to supervisors voicemail with no return call. So Im to the point where I want to report this collection company and possibly need to report XXXX of the reporting agencies for ignoring my requests to have this information deleted off of my credit. 

Its my understanding that they can not report anything that have been properly verified according to law. National Credit Systems Inc, employees are rude and when you are an informed consumer they prefer not to talk to you. I was told just like " I do not know you I do not know who the CEO or President is of our company we have XXXX account. '' This is what XXXX . XXXX XXXX told me earlier today and he forward me to a XXXX XXXX voicemail after asking to speak with a supervisor. When I called back to see if I can speak to a supervisor on duty I was told no one was available. 

My account number with this company is XXXX.
For the past 6 months, my husband and I have been getting " serious delinquencies '' reported to our credit card companies from the credit reporting agencies which is totally inaccurate and wrong. When we ran our credit reports with AnnualCreditReport.com they show absolutely no delinquencies in our accounts ( as it should be ) and have never been delinquent with any of our accounts in over 21 years. When we contacted all three credit agencies, they told us that their records show no delinquencies and no problems and to contact the credit card companies directly to get it cleared up. But when we call the credit card companies, they tell us that the information they have is being supplied by the credit reporting agencies and there is nothing they can do about it. We have been in a vicious cycle between the two groups and no one has been able to help us. Every month I have been hoping that the information gets cleared up but it is still being reported as delinquent for some reason. Somebody somewhere is reporting this and it is erroneous information that is affecting our credit scores. Please help us get this rectified. The credit card companies are XXXX XXXX XXXX and XXXX.
I recently received a notice that my mortgage payment would be increasing monthly by approximately {$300.00} due to an increase in county taxes. I called USAA for clarification on the significant increase in escrow, and was informed that it was due to the county taxes increasing. She believed the seller may have received tax credits that I 'm not eligible to receive, thus accounting for the difference. However, I called USAA again and spoke with another representative who confirmed that the taxes calculated at closing only included the semi annual amount, and that amount should have been included twice since XXXX XXXX taxes are semi-annual. She also confirmed that this calculation was a significant error and thus my closing disclosure was not correct. I asked if USAA 's loan processor, underwriter, or anyone involved with the bank should have checked these figures prior to closing, or soon thereafter, since ultimately USAA is the loan originator and servicer, and she informed me that it 's a title company issue. Due to the drastic increase in the monthly amount that I 'm now responsible for, I 'm filing a complaint as I believe this is a violation of Regulation X and TRID. Given the impact this will have on my monthly payments, this appears to be an egregious violation of Regulation X and TRID due to an incorrect escrow calculation, incorrect closing disclosures, and an extended amount of time that has elapsed since the error was made, etc.
Navy Federal Credit Union was sent a Cashier 's Check and mobile deposit cheques that have been dishonored and not processed, also said by XXXX an agent of the credit union, that the mobile deposits were returned. For what reason was asked, and was told that the federal reserve board and the institution were it came from said the check was invalid, proceeded to ask for proof of that and was denied. As for the Cashier 's Check, sent on XXXX/XXXX/16, was informed by XXXX that it was still processing, which should have been processed 2 to five business day for funds to be released. Through this period of trying to resolve the problem, a statement of account was asked to be sent to the credit union, it was complied with and sent through fax. After speaking with the agent, it was informed that the account is in overdraft of almost $ -XXXX and that it is frozen for no access. XXXX informed that the account will stay frozen which in no way able to perform a cure to the account.
According to XXXX Report, this account was sold to Portfolio Recovery from XXXX ( XXXX ) and they are both reporting negative information for XXXX single debt. After a dispute filed with XXXX, ( see attached results ) the results state everything has been verified. How? when they both are reporting duplicate negative and collection agency accounts. XXXX, the original creditor, is reporting XXXX negative account XXXX on my credit report. Copy of contract proving debt was sold to them, proof of orginal debt, etc has not been received from Portfolio Recovery.
Sent a letter to subpoena records from XXXX which is my car loan company. They are Kent Hopkins collecting for a water bill on behalf of city of XXXX.
I applied for a sears credit card in store o n  XX/XX/XXXX . I never received a card. I have a credit monitoring service that alerted me that this account was 90 days past due on  XX/XX/XXXX  and also  XX/XX/XXXX  for the amount of {$66.00}. My credit score dropped from   XXXX  to a little over  XXXX . I called SEARS / CBNA and reported this problem and was told that the account would be closed and investigated for fraud. I filed disputes with  XXXX ,  XXXX  and  XXXX   XXXX . My credit monitoring service is still showing this account to be open. I would like to close this account and have this removed from my credit report.
I had a Citi credit card in XX/XX/XXXX. Citi charged me an annual fee in XX/XX/XXXX for the coming year so I closed my account. I was told by Citi that they would remove the fee because I have closed my account. However Citi did not removed the fee and did not sent me any communication and sent the balance to collection agency in XX/XX/XXXX. I started the dispute process in XX/XX/XXXX, and after many many communications, Citi admitted the mistake and agreed to write off the balance. Citi also told me to contact their CBR department to correct the credit report. I faxed the dispute to CBR in XX/XX/XXXX. But Citi has not corrected the report up to now. I contacted them again in XX/XX/XXXX after I found out during my mortgage application. Citi is not correcting the error.
Our choir has had a checking account with the same bank for many years. The account was always set up to not charge us fees. We only keep a small amount of money in the account and there is very little activity on the account. Sometime last year the bank ( PNC XXXX did a large change and began charging a service charge on business account. Our account was only set up as a business account so that we could receive free checking. That was the arrangement made by the bank manager. We received no letter regarding this change. I have been told that PNC just included the information on the statement when they made the change. I do n't think this was proper notification for a change as significant as this. Our account has very little activity and the statements went to our president rather than the treasurer. We did not see the change on the statement. We would have asked for the account to be closed if we had known about the service charge. A {$14.00} service charge makes no sense for our account. I have been trying to work with PNC to ask them to reverse the charges since we are not a business and since our agreement with the bank has always been to not charge us a service charge. I keep getting transferred to other departments and when I do get a call and I call the individual back and leave a message they do n't call me back. The bank has always worked with us to offer a free checking account. I realize that the bank has changed ownership, but I feel that the agreement should be upheld. They made a XXXX change without taking into account our situation. I can even understand the mistake, but I feel that the bank should correct the situation. As taxpayers we have helped bail the banks out when they got in trouble. I think it is wrong for them to take advantage of us in this way. I am requesting that the bank reverse the service charges and notify the collection agency that this is not a valid debt.
These XXXX XXXX XXXX loan accounts are appearing incorrectly and in duplicate on my report. These XXXX accounts have been completely forgiven, and I have paperwork from XXXX XXXX to document this. They are no longer owed and have been 100 % discharged by XXXX XXXX and should no longer be appearing under my name ( unless it 's to report positively that these have been closed with a positive status ). After several disputes with XXXX XXXX directly, I was able to obtain documentation in writing that these loans had been discharged from my name. 

XXXX of the places these XXXX accounts appear on my report is correct. They are all reporting under slightly different company names/amounts/account numbers- but it was because XXXX XXXX had transferred the accounts to multiple departments and they reported as well. Transunion has allowed all to remain on my account, even though they are all clearly the same company. 

The other XXXX places these accounts appear are 100 % incorrect- resulting in XXXX negative charges to my report that should not be there, and are negatively affecting my score. I have sent in documentation and disputes to Transunion a number of times, including the letter from XXXX XXXX directly supporting my complaint- but I have received automated responses and no correction. We are planning to purchase a house in the near future, and this is negatively affecting my ability to do so.
I have sent several letters/disputes to XXXX XXXX, Experian, and XXXX about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX
Bank Of America offered me a Forbearance immediately following Hurricane Irma in XX/XX/2017. I asked them the conditions and they specifically told me that I would be able to postpone 3 months of payments and those payments would be placed on the back of the loan. Upon the 3rd month of Forbearance they were trying to get me to do a loan modification, which I refused. They then created an escrow account and pre paid my Flood Insurance and Property Taxes that were not due. I had paid my Home Owners Insurance so they could not pay that. They then told me that all 3 payments plus the 4th month were due in full to avoid foreclosure. I paid the entire amount to bring my Loan current and complained about what they had originally told me. The Account Manager XXXX XXXX told me that they didn't know at the time of the Forbearance that it wouldn't be put at the end of the Loan. I was told everything would return to normal which it did not. They then imposed a XXXX month Escrow account, my normal payment is XXXX a month now it is XXXX a month. I have been fighting with them for months offered to pay the escrow account to a negative balance and eliminate this insane escrow account which they refused. They are also now telling me that I am about to be force placed on insurance which they already paid. I am beyond frustrated dealing with this bank. I have placed no less than 100 phone calls and one of their employees recommended that I file this complaint as they were able to see the calls and they felt the bank is targeting me to try to get my home. I will not let them because I have too much equity in it. I am current and have not been behind at all with the exception of the forbearance in which I was lied too about the terms on numerous occasions. I have documentation, documenting all calls made and to whom. They should not be allowed to get away with this. I feel that poor people with no resources would lose their homes due to this type of predatory behavior. They also will not give me a letter to lower my Insurance Deductible from XXXX to XXXX. They also dictated how my Insurance Checks were used when I rebuilt my home and they forced me to pay a Contractor who did not complete the work and left me having to do it on my own being BOA refused to cut the check to me. This is a problem that should be addressed by the CFPB for all Banks as well. I paid for the Insurance and they dictated how it was spent and to whom and I was left repairing damage on my own that I could have completed if I had been in control of the Insurance Money that I paid for to insure my home. The list just goes on and on but those are the major issues. You really can't make this stuff up and most people can't even comprehend what they have put me through when I tell them about it.
On XXXX/XXXX/XXXX, my mortgage was transferred from XXXX XXXX to Nationstar/Mr. Cooper mortgage. I had made my XXXX payment to XXXX prior to the transfer, but somehow, initially the advice of my XXXX payment was not communicated. I worked with Mr Cooper and they eventually did find the payment after I forwarded them proof. They assured me that there would be no negative impact to my credit as the error was not my fault and it was also during the RESPA period. This was a lie. They are reporting me with a 30 day mortgage late for a payment that was made to the previous services PRIOR TO the transfer.
I've told this company in the past to stop calling, they were calling for the previous owner of the number. I've owned this number for four years now. That person used to get alot of calls. I'm starting to get them again for the past 2 days and have blocked two different last four digit phone numbers. Both are robocalls. 

I don't have the previous information any longer, however, the last two days : XX/XX/2018 at XXXX XXXX XX/XX/2018 at XXXX XXXX I know for a fact, since I check my credit, that I do not owe anything outstanding.
I have a credit card that is owned by my ex-husband and I am secondary on the account. As part of our divorce decree, he is responsible for any debt incurred after XX/XX/2017. Since that time, I have contacted USAA Federal Savings Bank multiple times to request that my name be removed from the account, with no success or explaination as to why this is not possible.
I have been making regular, timely payments on my mortgage since it was originated in XX/XX/XXXX. During that time the note has been sold twice -- first from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and more recently to XXXX XXXX XXXX. There were no issues until now, but XXXX is not crediting my payments on time. 

XXXX 's statements arrive on about the XXXX or XXXX of each month, with a due date of XX/XX/XXXX. I always mail the payment immediately. Until XX/XX/XXXX of this year the loan was interest-only, with amounts due ranging between {$330.00} and {$360.00}. I tend to add an additional amount for principal, so my payments total {$500.00}. ( My understanding is that the loan is now being converted to Principal + Interest. ) On XX/XX/XXXX XXXX phoned to say they had not received my payment for that month. To avoid late charges, I send a second check for {$500.00}. Both checks ( # XXXX, dated XX/XX/XXXX ; and # XXXX, dated XX/XX/XXXX ) then cleared my bank on the same day ( XX/XX/XXXX ). On XX/XX/XXXX XXXX phoned again with the same problem : They did not have my payment, even though I had mailed the check on XX/XX/XXXX. I discussed the recurring issue with their representative, who explained that XXXX is not really set up to process checks. She said they prefer electronic payments. This was news to me. I informed her of my check number ( # XXXX ), and as I knew they must have it, I did not send a second payment. 

The check cleared my bank on XX/XX/XXXX. I have now received a Past Due Notice, dated XX/XX/XXXX. 

Possible explanations are that ( a ) XXXX is no longer able to process payments by mail, although I was not aware of such a problem before XX/XX/XXXX, and/or ( b ) they are intentionally delaying processing of my payments in order to force me to pay electronically. 

I can adapt to their new requirement, but I am alarmed that my excellent credit rating will suffer because of a reported delinquency. Also, their late fee of {$17.00} is unfair and unjustified.
This collection company is reporting erroneous debt to Experian in my name. The debt collector has a debt on my report for  XXXX   XXXX . I have never lived at  XXXX    XXXX   in my life. This debt is not valid and after several attempts to rectify this with the credit agency they have ignored my requests. The creditor has yet to show a signed lease agreement between myself and the apartment agency. They instead continue to submit a fabricated bill with my name on it to Experian. Experain has failed to research the debt in its entirety. They only ask the creditor if the debt is valid and never ask for proof.
I did not open this account. My ex wife opened it in my name. XXXX  and XXXX  have investigated and deleted the account however XXXX will not. This is causing me to not be able to get a mortgage
I recently sent a letter to Transunion and XXXX asking them to verify the bankruptcy on my report from XX/XX/XXXX. I feel they are reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The court does not verify this information directly and I have included a letter to that effect. No bankruptcy court will verify a bankruptcy case to any credit reporting agency. I was then told me they used a third party vendor in XXXX to verify, which is also untrue because I have documentation of a security freeze I put on my XXXX report earlier last summer. Since they have no way to verify and are only assuming that since the bankruptcy was valid in XX/XX/XXXX that they have the right to report this illegal information for 10 full years. I willl be filing a case in small claims court here in Massachusetts seeking {$5000.00} in damages and a court order to compel Transunion and XXXX to remove thIs illegally reported information. Also, any account included in this bankruptcy should also be removed from my credit file. Thank you for your help.
XXXX is a scam! 

This {$25.00} prepaid XXXX card was activated in XXXX and it expired in XXXX. all the funds were removed from the account when the card expired. 

Even though I registered the card, there was no notification that the card would expire and they took no steps to try and resolve the issue. 

I called and went to the website. Nobody was of any help.
I have never been contacted by INTERSTATE CREDIT COLLECTIONS. However, they appear on my credit AS A PAID ACCOUNT. I have never been contacted by them nor have i ever made a payment on this account. 

I have contacted them 5 five times. They continue to ignore me and report the erroneous account on my credit. I have also filed a complaint with the AG office.
I disputed a fraudulent charge on my account in the amount {$2200.00} I am a victim of identity theft and I did not make or authorized this charges I have 7 years freeze on my credit report since 2016 but still JH portfolio Debt equities LLC Account XXXX still send me a letter for collection
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Reason for Deletion : This is a duplicate account. This account was included in my bankruptcy and should not be reporting negatively on my credit report.
I contacted the Credit Agencies telling them that the late reporting for from XXXX XXXX to XXXX XXXX is inaccurate due to the fact that I was never late. Their response was that XXXX XXXX XXXX verified the information as accurate. I contacted XXXX XXXX XXXX several times to dispute the late reportings. I also asked them to provide me with proof that I was late during the stated dates. I have not received anything from XXXX and I have been disputing since XXXX XXXX. I am asking your help to rectify this issue.
Delta Management hav e been calling back to back each day until someone picks up.   Then they call an office phone repeatedly until the person is available The reps name is  XXXX   XXXX   XXXX