WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making payments through the entire deferment stage. On XX/XX/2017 I called American Education Sercive ( AES ) to share that I made a payment on a deferred loan on XX/XX/XXXX. My deferment ends in XX/XX/XXXX. I asked, " How was the payment used, that I have a loan payment due and an interest rate payment due in XX/XX/XXXX. " ( See attachments ) XXXX employee number XXXX shared that the payment was not used to pay the interest rate that is due but placed on the unsubsidized accounts. I asked if there was an online format to pay the interest to prevent the addition to the principle and was told no. When asked if there was a way to have the payment applied I was told to send a letter. I asked if I should send a payment with the letter and it was repeated to send just a letter. The pleasant tone diminished when asked why a format does not exist online to pay the interest to prevent having an additional amount accrued to the principle and should I not send a payment with the letter? I was then told, yes send the document that says that " this is not a bill '' and to add a letter to ask that the amount sent in the mail should be applied to the interest. This mode of payment is not transparent when looking through the website. I was then asked if there was anything further that I needed and when responding no, the conversation ended. The site has a makeover, but no format to prevent the interest from being added to the principal when the loan comes out of deferment. I am working to pay off the loan and have the only option of the snail mail version without feedback. I do not see where I would receive notification that this payment was made unless I check my checking account for the canceled check and to double check the accounts to make sure that the balance does not have an increase. There should be a more effective way for this portion of payment when returning from a deferment.
I am writing to your agency in hopes that you can assist me to dispute some charges done on my Bank of America card by these fraudulent companies : XXXX and XXXX LLC. 
I got contacted by these companies by unsolicited telemarketing phone calls. I have paid these companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated XXXX XXXX company that I would like you to dispute the charges is XXXX they promised me to build me a website, do XXXX work, coaching. They said they would do all the marketing required to have a successful business. I never had any progress reports on marketing and no sales. Seemed vague as to what they were doing to push the website. The second company that I would like you to investigate the charges is XXXX.They said they would build me a new website, do all the marketing, increase my traffic and sales and google ranking. They promised me I would start making {$4000.00} profit per month after XXXX months. They vanished in XX/XX/XXXX, and when I wrote them an email to request to cancel they sent me a mass email that it seems like a scam email, stating that I owed them money that my monthlies {$99.00} are past due, and that I needed to make those payments. They did not provide the services and before my XXXX months were up they stopped answering my calls. I never made any money, and I never got any results from whatever they were doing. 
I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.
A month ago my husband XXXX XXXX and I became victims of an outrageous scam. It all started with a phone call from someone who introduced himself as an " IRS agent ''. He said we had some outstanding tax charges ( we did not! ) and he was very aggressive on the phone. He gave my husband a really hard time basically saying that if we do n't pay immediately, my husband will be arrested. All of this continued for 2 days while those " agents '' kept my husband on the line non-stop, not giving him a chance to think clearly. He was drawn into a state of causeless fear, and so did I. We withdrew our savings, used credit cards and borrowed from other people. It was a disaster. All of the money was sent via XXXX gift cards. We filed a police report at our local police station, but the police officer told us it will be really hard to recover anything of what we 've lost. 

One of the credit cards my husband was tricked by those criminals into using was his Discover credit card that literally had XXXX outstanding balance before that scam happened. And then in a single day it got maxed out, thanks to those crooks. We are both devastated. There is an official police report that proves that it got maxed out because of the scam. It was due to a CRIMINAL ACTION. We DID NOT spend that money on life 's pleasures. My husband talked to Discover customer service reps a couple times and they keep saying it is our responsibility now to pay out the card. Really??? Please help us resolve this. We feel hopeless and the whole situation is very depressing.
We booked a stay with a resort in XXXX that gave a quote in US dollars and all terms and conditions were provided in US dollars. Once we arrived at the hotel, they would n't honor the US dollar rate and would only process the transaction in the pesos. This led to both a higher than quoted rate as well as an additional foreign transaction fee which Chase has been unsupportive in resolving.
bank of America is still reporting a balance and outstanding account opened and this account was to be closed and reflect a XXXX balance do to fraud and them not properly handling and closing the account and remaining to let it continue they are in violation of the credit regulations and rules and still are reporting this on my credit files which it should not be I would like this fully handled at once I have reached out on this for over a year now
Barclaycard Cash Forward credit card advertises online that their online application process is easy and instant approve or deny.  So I applied and immediately got an online message that my application could not be decided upon and I would be contacted by mail in a few weeks.  Today I received a letter in the mail saying they cannot process my request until I send them copies of my drivers license, social security card, and bank statement with name and address. No way to contact them by phone or internet was in the mailing I received. Since those are not documents I am willing to send in the mail or fax, I searched online for their customer service phone number and eventually got through to someone who could tell me what was going on. They said my application was already denied, but could be reconsidered if I send those documents.  But the documents are only identification documents, nothing to do with whether I am deserving of credit. (In fact, I know I have a FICO score of XXXX.)  I told the person I want to withdraw my application but she said I cannot since they already put in the request, I can only wait 30 days to let it expire.  Since I have a very high credit rating, this tells me that their online offers to lure people to apply for credit are fraudulent; presumably all people who do are denied at first. Now I anticipate when I go to apply to a different company, my records will show I have an open application somewhere else which will automatically get me denied. And each denial will lower my credit rating more. And with my high credit rating I should never have gotten any denials.  I asked if there was a different person I could speak to and she told me know, I cannot do anything but mail or fax all those documents.
I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and American Express with the belief they have reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
ON XX/XX/17 Contact both the deb collector and the credit card original account holder none were trying to help me as i was trying to pay out my deb out front, i when to the XXXX XXXX store to see if i could pay it out there since the agent from the store on the phone could help me. they gave me the dirty look well we cant help you with that you need to contact the deb collector so i did and they gave me the speak well we cant accept no payments since we cant see your account so i toll both location So are you telling em that you cant help me to pay out my deb but yeah you still harassment with phone calls to pay up now that am going to pay none of both party 's cant seem to find my account or help me out. so the question i toll both company 's i dint own anything if you both cant help me in this situation? there answer was no sorry have a nice day. i was shock but at the same time interested a company that call me none stop demanding there money now they dint want it so i guest i dint own anything? 
hope someone cant get a clear picture my next step is to take it legal as they at the beginning did try to treated me by sending me to court and some posting as lawyers for the company they work for ... 

the company is XXXX XXXX and deb collector are call MCM midland credit management there account XXXX XXXX XXXX XXXX / XXXX XXXX account the amount balanced $ {$2500.00}
I paid the {$120.00} because I received a statement. I was n't actually responsible for the debt because I had insurance. Now the company will not remove it from my credit report
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was given which is also a violation and I am requesting that all inquires be removed.
clear violation on my report balance are inaccurate inquires are not mine some are ftc violations clearly states 7 different name which is violations of the fcra i only have one name on my driver licence
It is a known fact that Asset Acceptance dba Midland Credit Management employees robo-signed affidavits claiming personal knowledge that consumers owed debts, despite having no such knowledge of the facts asserted. Court documents have shown Asset Acceptance dba Midland Credit Management employees signed between XXXX and XXXX computer-generated affidavits per day for use in debt-collection actions, without personal knowledge of the accounts, in violation of the FDCPA. 

To date, Asset Acceptance dba Midland Credit Management has a proven poor track record in regards to its collection tactics which have resulted in large fines from the United States Government and as well as from individual states. 

As of this year Asset Acceptance dba Midland Credit Management has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business practices, falsified data on debt information court documents and lawsuit court actions which violates Consumer Rights. 

Asset Acceptance dba Midland Credit Management illegal unlawful business practices, falsified data on debt information and lawsuit court actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks to include myself which resulted in a Judgment against me that included falsified identification documentation in the court documents. In XXXX 2015, I contacted Asset Acceptance dba Midland Credit Management in writing requesting a settlement of the debt and as of XXXX XXXX, 2015, there has been no response and Asset Acceptance dba Midland Credit Management has gone silent, not responding to faxed information as per their request at ( XXXX ) XXXX, Attention : XXXX. 

I am requesting assistance with pushing for removal of Asset Acceptance dba Midland Credit Management on my credit file to include any court judgment against me as they contained falsified identification documentation in the documents submitted to the court from my file so that I can restore my credit and good name. 

I thank you for your time and I look forward to your response regarding my request to have the falsified court judgment submitted by Asset Acceptance dba Midland Credit Management removed from my credit file.
This evening I returned a required phone call received from the Executive offices at XXXX XXXX standard time. While the phone call came in at XXXX XXXX ( Afternoon ), while at work from XXXX XXXX to XXXX XXXX. It is impossible for me to receive outside calls, other than work related phone calls. In my position of XXXX XXXX, working with XXXX XXXX and relaying this information to Wells Fargo Home Mortgage. I can not receive personal phone calls, which could hinder and possibly place the contractors, with whom I observe and protect, place them in grave danger. So being released early from duty today, I was able to reach out and phone my point of contact, XXXX XXXX XXXX ( XXXX ) XXXX XXXX. Although XXXX XXXX was not currently available, I left a voicemail, then called back and spoke with XXXX XXXX # XXXX, of the Executive Offices. She relayed that XXXX XXXX was indeed not available and forwarded an email. I then phoned the office of Return Mail Operations, with whom I received correspondence today, with the date of XXXX XXXX, 2015. I spoke with XXXX # XXXX ( XXXX ) XXXX of XXXX XXXX, California, I inquired as to the validity of which offices are in correspondence with the Executive Offices. XXXX # XXXX informed me that this office serves, The Bankruptcy Department, Loan Servicing and Wells Fargo Home Mortgage. Additionally these letters are sent from what XXXX describes as the ( Back Offices ). Which there are several, but this letter was said to have came from XXXX XXXX, IA. I was said to have a balance owed of {$1900.00}, yet made deposits of {$490.00}, {$820.00} and {$1100.00}, which total {$2400.00}. In the letter it states that there is a balance of {$540.00} and that they do not accept partial payments and that the remaining balance of {$280.00} is needed. When I spoke with XXXX # XXXX, I asked specific questions as to the communication of his offices and the Executive Offices, so that I can come to the conclusion that all offices share the same information. If the payments of {$2.00}, XXXX were made on XXXX XXXX, 2015, why would I owe {$1900.00}?. When speaking with XXXX XXXX # XXXX and leaving a voicemail with XXXX XXXX, I hereby requested a full and thorough audit of all bank deposits and money placed into my mortgage accounts. The frustration that I receive on a daily basis from the Wells Fargo Home Mortgage team, boarders on bullying and harassment, due to the fact that not one person has taken the time to place an email, phone call, bank manager, anything to clarify whether or not any of these payments and or deposits have been made. I requested everything in writing, choosing not to go over my bill with someone who has not taken the time to do any research whatsoever. According to my math, these numbers from my deposits do not add up.
I have moved into a new apartment on XXXX/XXXX/15. On XXXX/XXXX/15 I decided to purchase my furniture from Walmart due to the fact that they were offering a promotion in which the interest on my Walmart Credit Card offered by Synchrony Bank would be deferred for 24 months. I learned that my local store did not have much of the furniture I needed in stock and the promotion was in-store only. I called the number on the back of my card and after speaking to the representative they agreed to make an exception in which they would honor the promotion for an online purchase. On XXXX/XXXX/15 I made XXXX purchases XXXX in-store for about {$300.00} and XXXX online for {$900.00}. I applied the promotion to both purchases and was assured it would work by a Synchrony bank representative. As time passed the {$900.00} was never applied to my card statement. ( Synchrony bank incorrectly marked it as a fraudulent purchase at first, without contacting me, and then removed it from my purchase profile, and locked down my account ) Walmart did not decide to charge me the {$900.00} until XXXX/XXXX/15 almost 2 months after the initial purchase. Since the charge had been removed, and this appeared as a new charge, I disputed the transaction thinking it was fraud, then after speaking to Walmart again begun paying off my balance. ( Walmart had no idea why the balance was never applied in XX/XX/XXXX ). It is now XXXX/XXXX/15 and I noticed that my Walmart credit card was accumulating interest charges. I called the account service again inquiring about why my promotion was not being honored. I spent 35min on the phone and was transferred to XXXX different supervisors. XXXX of the supervisors, XXXX looked into my case and concluded that my interest was charged due to the previous dispute that Walmart never closed for me. ( which was the {$900.00} charge I mentioned earlier ) I became irritated and asked for her to apply the promotion after she told me they currently are running no online promotion. After more time passed she finally agreed to re-do the promo however she dd not refund any of the interest that was wrongfully applied to my balance nor could she send me a confirmation email that my problem was being taken care of ( which is illegal as it violated the terms of the credit agreement that I created when I first opened the card ). All she gave me was her login ID saying that it should be enough of proof that my problem will be resolved. She said the promo wo n't be applied for a billing cycle or two during which I might still accumulate interest. I believe that Walmart has been applying wrongful charges to my account for this period of time and I seek immediate resolution to this issue.
XXXX illegally have reporting XXXX Accounts in credit report since XXXX 2008. 
Never debt validated Reporting since 8 years
I am building a new home through a home builder XXXX. They offer financing but I wanted to shop around. I contact Quicken Loans to see what they can offer and the person I spoke with was very nice. After the app I was sent a intent to proceed that I had to sign and give my credit card info. I did not want to give my credit card number but was told that if I do n't I can not proceed. I was assured by the loan rep that it will not be charged unless I cancel and Quicken Loans has already done/ordered the appraisal. Well XXXX3 week later Quicken Loans changed the loan structure without discussing with me. They changed the down payment, monthly payment, and terms without discussing with me. I called and e-mailed but no response so I cancelled the loan with them. They immediately charged my card {$500.00} for fees incurred. When I asked why they said for appraisal fees and credit fees. This is a new construction loan and the home had not even broke ground yet. I have called over 6 times to request a refund since there is nothing in writing about the fees and each person I speak with there says I need to call someone else to discuss the issue. I sent over XXXX e-mails also with no response back from the loan rep. Quicken finally refunded XXXX of the XXXX but will not refund the remaining or give me a reason for the charge or copies if the doc that I signed that gives them authorization to charge me that.
I was assigned account number XXXX for a XXXX Nissan Rogue in the amount of {$11000.00} from XXXX /Consumer Portfolio Services XX/XX/XXXX I never received tile and ultimately the vehicle. When I inquired about this account I was told XXXX XXXX XXXX was ultimately responsible for the vehicle and suit was filed against the company. I was told I would receive in writing a letter to present to the credit bureaus removing this debt as part of the class action lawsuit against consumer portfolio. During the investigation two years ago it was determined that the vehicle in fact was never registered and the loan and title was not properly processed by XXXX and Consumer Portfolio and the vehicle was in XXXX XXXX XXXX possession. 


Again, I am asking for this account to be removed from my XXXX credit report as it has already been removed from my XXXX and XXXX. Please send in writing to my address below when this account has been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, OH XXXX SSN # XXXX DOB : XXXX
This is the last time I write about Transunion, next communication will be in the form of a court summons for violating my writes under the FCRA. I just received a letter of a supposed investigation that tells me no steps they took to investigate and no proof. Send me irrefutable proof in 30 days or I will see you in court.
XX/XX/XXXX I financed a XXXX XXXX XXXX through Ally. I have attempted to to pay off the note by paying and sending an additional check each month. I have spent more time trying to get them to understand that they are applying the money I send incorrectly. For the past few months I have had a balance of {$52.00}, {$27.00} and {$2.00}. They have taken my payments of {$300.00} of which on {$270.00} is the original note due amount and applied {$270.00} towards finance charges on the total amount due. I have sent a total of {$900.00}. How they can charge me {$100.00} in finance charges on {$2.00} I do not know. I have been on the phone an additional 45 minutes this morning trying to talk to someone who can apply the money I am sending correctly. They continue to tell me that it is a daily interest rate on the balance of the loan. But if I have an invoice that shows that I only owe {$2.00} for the month, how is it legal for them to use the money that is left over for finance charges? I would really appreciate some help with this. I have not been late or missed a payment since the loan originated. In fact I have paid early on over the invoice amount due.
XX/XX/XXXX & XX/XX/XXXX I entered into an agreement with a debt collection company to pay a credit card debt. The amount owed was paid in full and the account was closed. It was for a credit card I believe XXXX bank. I have never heard anything since and have not seen the debt reported on my credit reports as deliquent after being paid off. Recently this Featured Mediation LLC company has been calling XXXX times a day to my husbands phone and to family friends stating I have no choice but to pay the debt or have my wages garnished XXXX % and have legal proceedings brought against me including jail time. The calls are constant and very threatening. We have saved some of the voicemails that have been received since giving up answering the calls. A letter has been sent to the company requesting they stop contacting via phone ( although it may not have been received as of this complaint as it was just recently mailed ). I 'm not even XXXX sure if the debt they are claiming is the same as the one I paid as I paid off a XXXX and they are stating XXXX, but it 's the only credit card I had at that time.
This company has continued to report the referenced collection account on my credit report, while failing to provide me with proper validation that I request from them in mailed correspondence dated XXXX. This is a flagrant violation of the FDCPA.
I have no knowledge of the debt, my account with XXXX bureaus such as XXXX and XXXX has a fraud alert on it.
I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this credit card. I have attached a copy of the police report to this dispute. I never lived at the address where XXXX service was located nor have I ever have XXXX service. XXXX is the original creditor.