WillisBack/dataset-financial-user-claim huggingface dataset:
I have been dealing with the loss draft department at XXXX XXXX XXXX XXXX  and they are practicing unlawful enrichment. harassment, unethical and illegal practices in regards to money that is in a restricted escrow account paid out by my insurance company. They have held on to my money ( over 11,000 ) for over 3 months now even though I have provided all of the necessary paperwork proving I have had the work done. Including inspections etc even the the insurance company and I agreed to a monetary settlement. They give me ridiculous excuses, can't find paperwork, send the inspector with the wrong paperwork etc. I would like an investigation into these illegal practice that that have caused me pain, distress and emotional turmoil
FedLoan Servicing will not allow borrowers to specify handling of over-payments, i.e., refuses to apply over-payments to principal, instead insisting on applying them to interest to prevent the borrower from paying off their loan more quickly/efficiently.
I have no debt and these calls are getting very irritating, Keep getting scam calls I talked and reported to trade commission on XX/XX/18 filed claim ref : # XXXX they told me to call you I did same day you told me to call XXXX one more time and try to get it settled, plus get robo call block, I have done everything and still getting calls after calls it gets so bad I have to unplug phone for I live alone and not in best of health, also they refused to give me Internet without phone
i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened
I had an account that went to Capital One ended up with them getting a judgment against me. They are still reporting me as past due with a balance to the major credit bureaus. This is after I have already made a payment to the law firm that is representing them. This account has been satisfied and settled. There is no outstanding balance and no amount is past due. I have emailed the executive office of Capital One and nobody was helpful enough to assist me. There is definitely a gap in communication between Capital One and XXXX XXXX XXXX XXXX the lawfirm representing them XXXX. I am attaching proof of the payment. I have made multiple phone calls, emails and disputes with the major credit bureaus to correct this and to no avail. This is beyond frustrating.
On or about XX/XX/ I went onto the XXXX 's website to manage my account. I entered a new payment source as I closed my previous checking account do to a merchant 's unauthorized charges. The new payment source included the new routing and account number. I then set-up a {$200.00} payment for a bill that required only a {$27.00} payment. The payment confirmed with reference # XXXX. At the conclusion of the transaction a message came up on, " We will verify this account and process the payment ''. That is not what occurred, instead, XXXX XXXX attempted to take the payment from the closed checking account. As a result, XXXX 's reversed the payment and charged me two ( 2 ) {$27.00} charges. One was for a late fee, and the other was for a returned check charge. I was also charged {$8.00} in interest which should not have been assessed. I received a call late the evening of XX/XX/ from XXXX XXXX indicating my payment was late. After he reviewed the history, he agreed this was their error and was supposed to reverse the fees and interest. Additionally, he reprocessed the {$200.00} payment under the correct account. Currently, XXXX XXXX has only refunded one ( 1 ) {$27.00} fee. I have not been credited the {$27.00} fee or the {$8.00} in interest that was charged. I have talked to several XXXX 's credit employees about this situation and was even told the correct {$200.00} payment is floating and has not been processed. My bank confirmed XXXX XXXX has not processed it through my account. This entire situation was the fault of XXXX 's not mine. The representatives are uneducated and unskilled, passing me others, On XX/XX/, I was left on hold and ended up on the phone with an hour trying to get this resolved. It still is not.
i paid two weeks in advance after taking my daughter out of this XXXX in XXXX XXXX, TX '', i have checks and bank transfer to prove it. not they are trying to charge me for an additional two weeks even when my baby was n't there. i do n't own any money and they threaten me with damage or reporting to the credit bureaus. i have all the evidence and probes that i do n't own any money.
About 6 or 7 months ago, I began working at a company called XXXX. This company did door to door sales, for XXXX and XXXX. The company would hire employees on ( based on their will to work XXXX when employees would make sales -- the company would take you out of state on what is called a " spiff '' to reward you, and get you to sell their products in that state. After i realized XXXX didnt have the cleanest sales, nor wer they working with me personally to do better -- i decided it was time for me to quit and get a real job. XXXX XXXX that paid hourly ) I had made XXXX sale the whole time i worked there, it was TO MY MOM. I switched her to XXXX. NOT ONCE, did i ever go on a said " spiff '' with ikonik. They are trying to charge me for hotel fees, and travel fees -- and may i repeat I NEVER TRAVELLED WITH THEM. NOR did i ever stay in a hotel with them. They began to repeatedly call me and eventually threatened to send me to collectons in a voicemail, to which i got very angry. And spoke with them to explain it was NOT my debt. I never travelled with the company.
I received a letter from XXXX XXXX representing CACH LLC on an account being claimed was sold to them by XXXX XXXX XXXX. I contacted CACH LLC in XXXX with documentation supporting that the original creditor was XXXX XXXX on account that was compromised in XXXX. The charges were removed and the account should have been closed as Paid in Full. During this time XXXX XXXX went into bankruptcy proceedings with assets going to both XXXX and XXXX XXXX XXXX. In a system transfer the XXXX account was given to XXXX banks with a system error transfer of fraudulent charges from XXXX XXXX. Both XXXX and XXXX adjusted to reflect interest rates on the fraudulent charges and fees to legitimize the balance as a receivable to both banks. Eventually both banks sold the same account to XXXX collection agencies XXXX XXXX and CACH LLC. XXXX XXXX filed a claim in XXXX XXXX XXXX XXXX and dismissed the case by a judicial ruling without prejudice in XXXX. Now CACH LLC has retained another agency to continue collecting on fraudulent balances that were already ruled on and accepted as fraudulent for the same account. Aside from a balance that is going on XXXX years old and violating CO 's statute of limitations of 6 years, their are several TILA violations from XXXX and XXXX prior to the sale of the account to XXXX XXXX and CACH LLC and a court case being dismissed without prejudice for the fraudulent charges associated with the XXXX account and sold as a receivable to XXXX different banks.
There is a Collection Account on my credit report that is over 7 years old ; XXXX XXXX XXXX for $ XXXX old XXXX bill. It appears the Collection Agency has illegally re-aged it. The date of last payment on this account was 16 years ago. I have attempted to dispute this with Experian ( I sent them a dispute form ) and they sent me a letter stating they wanted my Social Security number ( which I already provided ), date of birth, mailing address, etc. This is very critical information that I do not want to send in the mail and am confused why they would request this information when my dispute form clearly provides enough information to verify my identity. I feel they are using tactics to dissuade me from clearing up my credit report. By the way-the other XXXX credit reporting agencies do have this account listed.
This account was closed on XXXX/XXXX/09 want to be removed from my credit it 's already more than 6 years.
I refinanced some of my student loans from Navient ( originally XXXX XXXX ) using XXXX student loan refinance option a few years ago. I gave instructions on which loans to pay off because the interest rates are different and I did n't want to pay more interest through XXXX for certain loans that had lower interest rates through Navient, but was unable to control how the payment was applied due to the way that Navient breaks down each loan ( they use XXXX account number for all of the loans, and each loan has different interest rates ). Payment from XXXX ended up getting evenly distributed to each loan instead of being distributed to the specific loans I wanted to eliminate. I had intended on paying off the loans with the highest balances and highest interest, and wanted to keep the lower interest loans through Navient. Instead, the payment was applied to each loan, leaving me with a bunch of smaller loans ( each of which has interest that gets compounded daily, costing me more in the long run ). Having several small loans on my credit report inhibited me from being able to buy property because it appears to be too risky of an investment for mortgage companies. I also previously had a lot of trouble negotiating with Navient and XXXX XXXX when trying to consolidate, refinance, or change my payment option. They ended up talking me into deferment instead of changing my payment plan to a more reasonable/affordable amount. I was paying over {$600.00} a month total between all of the separate loans, and they said I did n't qualify to lower my monthly payments because each minimum monthly payment amount was relatively low individually. With XXXX loans total ( XXXX loans distributed per semester ), small payments of {$50.00} each adds up fast when you look at the figures as a whole. I saw in the news today that Navient is being sued yet again for their fraudulent practices and would like to share my experience in order to prevent more students from being scammed.
Equifax has a voluntary surrender of a vehicle on my credit report with an account they could not verify with actual documentation. The creditor refuses to validate the account and equifax just take their word for it with no documentation. They refuse to remove it off my closed accounts.
I'm perplexed with my recent credit report to consider that I don't owe this debt - Can you please look into this along with the attachments? Also, I have disputed this item with the credit reporting agency, and the original creditor and coll and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
A delete item reappeared on my credit report. On XXXX/XXXX/2017, Equifax deleted the item XXXX XXXX XXXX from my report. After checking my report today, I noticed the item has reappeared. If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they ca n't put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. 

I was notified with the 5 days before they reinstated the item.
I have XXXX separate leases on XXXX vehicle all dated the same date ( XXXX/XXXX/XXXX ). ( Yellow Copy attached is my Copy ) and the only one with my signature but wrong months, which I file a complaint with GM about back in XXXX. Second is GM Financials ( their Contract XXXX pages attached ) provided to me on XXXX XXXX, XXXX with a Fraudulent Signature and multiple changes including a crossed out amounts, and several discrepancies including payoff is {$0.00}. Third is Dealership Copy of their Lease which is unsigned. I have notified the XXXX as well as the Attorney Generals Office and have enclosed all paperwork for your file.
Ref # : DEBT RECOVERY SOLUTIONS has report this account account as open XXXX XXXX, XXXX Open Account # XXXX {$240.00} Balance XXXX Original Creditor {$240.00} High Balance XXXX XXXX, XXXX Opened Date - XXXX XXXX, XXXX Last Reported I would like to dispute the item noted above on my credit report I have made every attempt to obtain information related to this item reflected above that is being reported on my credit report under the name Debt Recovery Solutions. Between the original creditor and the agency noted in this dispute the original creditor provided me with XXXX other companies that they assigned their debt collections too and still no one has any knowledge of this debt. 
As a result, I have not been able to verify the following : 1. Original date of service, account number & place of service/provider 2. The original creditor does not have the account number, nor information as to who the debt is owed to yet they have assigned it to a party to be collected. 
3. I 've contacted " Debt Recovery Solutions '', 4 times via phone regarding this matter over a 60 day span and was told by the call center rep. that a request to have the item remove would be forwarded to the manger. 

As of XXXX XXXX, XXXX, upon reviewing my credit report I notice that Debt Recovery Solutions recently update my credit report on XXXX XXXX as an outstanding collection item reflecting {$240.00}. I then decided to email them so that I could have a form of communication that could be documented. It 's not doubt that the item referenced above is no longer with them yet they still continue to report this debt after I 've brought this to their attention months ago. 
I 've attached a copy of the email chain. It was only after I call and told them that I would be making this compliant that they respond stating that they would take care of it. 
I am still filing this compliant because they knowing continued to report false information. This account has not been with them since XXXX, XXXX and the reason. I know is because I 've been asking them for details in order to resolve the matter yet they would not respond.
XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XXXX & XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies XXXX separate times since XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XXXX & XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.
My name is XXXX XXXX I have a personal loan with Onemain financial located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX On XX/XX/XXXX I fell  behind on my account due to unexpected expenses Onemain Financial offered me a 2 month deferment. A representative of Onemain name XXXX called me asking for payment. I mentioned to her a had a 2 month payment deferment and my account was due for XX/XX/XXXX.XXXX was very rude to me treated me to take me to court if I didn't come into the office and make a payment. I told XXXX that my check was low this month and i was under the impression payment deferment was going to help me. XXXX stated talking very loud and demanding payment. Requested XXXX to please not speak to me in a disrespectful way. I also advised XXXX that before treating me Onemain was going to take me to court I have to be severely delinquent and not wanting to work with them after exhausting all the possible options to help me. XXXX then called my son who i the co-borrower and told my son my account was over 90 days past due. which is not true. XXXX also treated my son to garnish his wages. XXXX so rude and out of line she made me cried when she was screaming at me. I believe this is an abusive way to contact a customer. Specially after misleading me with a different for 2 months. I just hope this doesn't happen to another customer.
I sent American Credit Acceptance a letter requesting information about the current high balance amount, original credit amount, late notices, and the original signed contraction by certified mail. They have not made any attempt to contact me via mail with the requested information and documents that I 've requested. This company is now willingly withholding information from me.
My wife and I are in the process of buying a home. We do not have access to our credit scores ( yes, our credit reports, but not the scores, which are the only things that matter ). That should not be allowed. The bank shouldn't be able to hold my credit score against me and then nobody in the world can tell me how to increase my score. The American people never gave their consent, nor did the American government ever pass a law that allowed the credit reporting bureaus to have unfettered control over Americans ' financial lives. 

My specific problem is that the free annual credit report online constantly crashes. When this occurs, the taxpayer is no longer allowed to access a free annual credit report because the website shows they've already accessed the report. One then goes to each bureau 's website to specifically dispute incorrect information. 

In my case, two our of three websites did not work. XXXX XXXX website crashed in XXXX XXXX, so I had to go to XXXX and re-submit all the information for about 12 disputed items. When I finally submitted the dispute request, I received a message that I'd disputed an item that was no longer on my credit report. How can that be? I was disputing items that showed from my credit report IN THEIR SYSTEM! 

In the case of equifax, I logged in and confirmed my identity. I then disputed the same 12 or so items that were incorrectly reported on XXXX XXXX report. The Equifax system then crashed when I clicked submit. It has now been down for several hours. 

I have spent 4 hours trying to dispute patently false information on my credit report after working a 14 hour day at a XXXX XXXX during busy season. 

The fact that American citizens are forced to negotiate / navigate the largest personal financial decisions of their lives, whether that be the purchase of a car or a home, without full disclosure of all the information used against them is UNCONSCIONABLE! The CFPB should make credit reporting transparency and the reform of the credit reporting system their number 1 priority! No issue in the modern American landscape of personal finance has a bigger impact on the average American, and there is no other factor relative to people 's financial lives over which they have LESS understanding or control. In summary, CFPB should PROTECT AMERICANS as they approach the largest and most important financial transactions of their lives.
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA.
I have been banking with capital one 360 over a year now checking and savigs. Always had funds deposited by XXXX in my user names and never been a problem until XX/XX/2017 I received an email stating my account has been closed and was given a phone number to call. On XX/XX/2017, I spoke with Manager XXXX from customer service department and I advised him of the situation. Then he transferred me to security department. I spoke with XXXX and he advised that due to deposit names not matching they decided to close all my account and that the monies will not be released. They stated they not able to verify the usernames that was deposited into my account. Overtime I saved a total of XXXX in my capital one accounts.
The following items are not authorized inquiries in which the company does not allow you to dispute the inquires online and when calling your turned away by the rep. the following items are not authorized : Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In early 2018, I was purchasing shirts at XXXX XXXX. I wanted to use my XXXX 's card, which I've had for many years, to access a discount. The saleslady looked at my XXXX XXXX card and said it was really beat up and old and I should get a new card. She said she could update my card *and* give me a bigger discount. I said sure. She handed the phone to me, someone asked me a couple of questions, and I got the bigger discount. 

Long story short, I only found out when I had a 'past due ' amount, that XXXX 's had actually opened an entire new account in my name. I evidentally had TWO XXXX 's accounts. One I didn't know about and thus hadn't paid. The other completely up to date. 

I complained to the XXXX. XXXX 's said they'd fix it. They did not. 

What they did made my credit rating plunge. I had *literally* perfect credit. After the XXXX  complaint, they shut down my old account, thus making my length of credit history plunge. This, plus their reporting of my account as delinquent, caused another plunge of 50 points on my credit report. 

This is fraud in it's purest form. I didn't ever want a new XXXX 's card. They secretively did this for some reason - do they get some kind of kickback from XXXX XXXX ( the company running the new card? )