WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I paid settlement amounts as agreed upon by Key Bank Educational Loans using a home equity line of credit. I paid XXXX and XXXX and XXXX to Keybank to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.
I applied for a medical loan on Thursday, XXXX XXXX, 2017 with Prosper Funding LLC. | XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

I was sent an email that I was approved for the loan amount requested which was approximately {$22000.00}, with the caveat that before the loan can be completed I needed to submit verification of income and provide some tax documents. I attempted to submit the documentation through their secure website, but the website would not take the information and gave me an error code. I then tried again later to resubmit the paperwork and once again it took some of the information, but not all of it. I went to the medical facility where I started the treatment that was needed, and the hospital called Prosper to verify that the loan was in good order. Prosper told them that everything looked fine. In the end, Prosper said they did n't get the paper work and what they got had discrepancies. I tried to speak with their account division to address whatever discrepancies they saw and also send in the paperwork that probably still needed to upload. Prosper told me they would not discuss this issue with me and that the account was closed and that I should never apply for a loan again. The hospital also called and with me on speaker phone was told the same thing. This is unacceptable. We are outstanding customers with excellent credit. This company now has our personal information and treated us like we are criminals submitting fraudulent information. They do n't have a loan processing department with someone to talk to? This company should not be able to have an online banking business when they are not willing to communicate with a customer regarding their application, they really want your information. This is not acceptable.
Hi Sense XXXX last year I'm doing automatic payments on this two accounts, trying to fix my credit score but first still showing up on my credit history and second balance never change my I wound like to just disappear from my record cause it's been getting taking care off I spoke to my creditor but still the same info not helping my score
Husband opened a credit card account ; his signature only. Card owner is now deceased. His balance shows up on my credit report. Utah law states that the spouse is not responsible for his credit card debt. Would like to have debt removed from my credit card report and score.
I have 2 accounts on my credit report That is incorrect and fruad ... XXXX XXXX XXXX  which I have paid off and that account fruad and need it deleted from profile have provided documentation ... XXXX  XXXX is fruad .. I have police report and have resolved complaint with company and its still reporting .. provided documentation ... I have inquiries that I did not consent to and will like them deleted from my report, I have disputed these accounts before and there coming back verified .. I need copys of validation with my signature or copy of verified documents With my signature or proving these accounts or inquiries are mine in writing or they need to be removed due to fruad
On XXXX XXXX we received notification via mail from Ditech the company that services our mortgage that our escrow account is negative over $ 13XXXX. As you can imagine we were shocked to say the least. The escrow statement was the first XXXX we have ever received from Ditech and first notification that we were ever negative in our escrow account. We called Ditech to get answer as to why we were never notified of such an amount negatively affecting our account and the rep for Ditech advised us our escrow account has been negative since they took over our mortgage in XXXX XXXX. She continued to tell us that any negative escrow amount would 've been notified on our monthly statements. I challenged that claim and she verified that indeed it does not show on monthly statements nor does it show we were negative using Ditech 's customer web portal. I have attached a few statements and screenshots from their customer portal indicating nothing was communicated to us via mailed statements, website, phone or mail that we are negative more than XXXX in escrow until recently. In their history of statements in their web portal they have never issued escrow statement for XXXX XXXX nor when we use their customer escrow portal tool does it state we were negative. We have listed our house for sale as direct result of this issue. So how does a company expect us to pay the overage when we were never notified and the information was hidden from us?
I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XXXX/XXXX/XXXX reported this to Tidewater. I have XXXX insurance, which totaled the car on XXXX/XXXX/XXXX and Tidewater agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with Gap. XXXX Claim # XXXX On XXXX/XXXX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, Tidewater, ( which the insurance department with tidewater email indicating that will be the next steps ). I received a statement from Tidewater, dated XXXX/XXXX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with state farm and gap is currently taking place. I called Tidewater they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with Gap for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from Tidewater indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of Tidewater is hurting my credit score after they agreed to closeout the loan. Tidewater still continues to collect money from me, XXXX and Gap for a loan that was totaled by the insurance.
Medical Data Systems is seeking to collect, and has posted on my credit report {$140.00} from XXXX XXXX XXXX XXXX for a debt I do not owe. I have made multiple attempts to rectify the information with Medical Data Systems including requesting verification of the debt. They have not provided me with any information. 

I called them 3 weeks ago to report the incorrect posting to my credit report, and they told me they would investigate and respond to me within 2 weeks. No response was ever received. I sent an email to them after the 2 weeks requesting that they update me on the status of my dispute, and provide validation of the debt. No update or validation has been provided to date.
There was fraudulent activity that took place on some accountsthat were not at my discretion which resulted in them closing
I sent a dispute/validation letter to XXXX collection, which is included in the attachments, certified mail. They received the letter XXXX XXXX XXXX. I received a notice roughly 2 weeks prior to the court date on the paper saying that fox collection would be carrying me to court. I contacted the company and spoke with the attorney, he said he was, in the legal department. I told him I was disputing the debt but was trying to explain to me that pretty much i do not have a dispute and still responsible for the debt. After sending my dispute/validation letter to fox collection center they sent me a letter in response to my dispute, also in attachments, that was not a real response letter to my dispute. They did not properly respond or send anything I requested from the company which is in the letter attached. They trying to put a judgement on me for some thing I do not feel I owe and I do not feel is right and also the amount. They pushed my court date out to XXXX XXXX XXXX. I am trying to get this matter resolved before then. I do not want to be stuck paying something I do not feel I owe. The name of collection agency is fox collection center, their address is XXXX. box XXXX goodlettsville tn XXXX. Their contact number is XXXX. Please help and assist in getting this matter resolved in a timely manner due to the company not properly handling my dispute or validation of debt. Thank you in advance.
XXXX  and Experian are reporting incorrectly a balance due on the XXXX - partial account number XXXX. These items were included in the Chapter XXXX BK. XXXX  is reporting this item correctly. This incorrect reporting is harming my credit score.
We closed  a Child 's Savings  account in  XX/XX/XXXX .  M & T c ontinued to charge the account.   My daughter and I went in together in  XX/XX/XXXX .   We are now receiving statements with a negative balance.   We seem unable to close this account even though we went in numerous times in an effort to do so.
I am one of the consumers who 's data was breached from Equifax according to their website.
I took a high interest loan on a five year term. I paid the loan off in 35 months. the payoff was very little difference from the entire term of the loan. I received a letter 10 days after the loan payoff offering a refinance from the same company. the payoff on the letter was less than what I paid 10 days ago. the loan company told me to bring the letter up there. I did with no resolve. the person on the letter did not work there and it has me wondering if something very wrong is going on. I attempted contacting an attorney but did not find anyone is this field. I think this is predatory lending and should be stopped.
Debt was not verified. There is no a contract with my signature. This is also a possible duplicate account.
XX/XX/XXXX I am again writing about my high irest and high principle on my student loan from MOHELA. I am writing about the fact that the principle has doubled since the inception of my loan. I am writing because I think the interest rates and the enormous of money I now owe is completely unfair. 
For me, this began with a collection of student loans XX/XX/XXXX. I attended graduate school with the loans. I suffered a bankruptcy and a divorce. My loan as of XX/XX/XXXX was {$55000.00}. It now totals {$97000.00} because of an inability to meet payments and a series of forbearances. Forbearances that MOHELA encouraged me to do. I believe that I have never made a late past XXXX day payment. I have never been reported to the credit bureau in my payment history. I have never defaulted on this loan. I have been paying direct loans and MOHELA {$450.00} a month for quite some time which I had met every month on time. As of XX/XX/XXXX I began making a monthly payment of {$760.00}. My interest rate is XXXX %. Why can I not lower my interest rate to a reasonable level like my mortgage which I was recently able to lower XXXX %. That along with a reasonable student loan payment will allow my family and I to pay our bills. I work XXXX jobs. My wife works. I have my own student loan, a child and a step child with student loans. I have a family of XXXX living in my house. I have a huge interest rate with MOHELA not to mention the fact that my loan payment has increased to a value of {$97000.00}. 
I do not think my interest rate is fair. I do not think it is fair that I am paying {$97000.00} for an education that actually cost {$55000.00}. I have shown that I willing to pay in a responsible manner. I pay every month and I pay on time. It is not fair that I have this enormous amount of debt that exceedingly surpasses what my initial principle balance should be. It is not fair that others are having their loans forgiven and or the idea that legislation is talking about free tuition for state schools. 
I have written letters to politicians that have attempted to help me. XXXX such advisement was from the office of XXXX-Ives telling me to contact a " XXXX, Ombudsman '' who apparently has not been interested enough to speak or write to me about my complaint. 
I am asking you to help me with this matter. A matter that I have asked MOHELA to address. A matter that MOHELA could obviously care less about. It is completely unfair that I am being asked to pay DOUBLE the amount owed for my education. That is pure greed. All MOHELA wants to do is to make as much money as they possibly can from me.
I rented an apartment at XXXX for several months. I provided a 60-Day Move Out Notice, paid all items ( rent, utilities, etc. ), got a zero-debt statement, and a refund check from landlord. Landlord 's manager XXXX signed a receipt.The apartment complex was XXXX ( managed by XXXX ) and currently is named " XXXX '' ( managed by XXXX ). However, Landlord has created a fake debt and sent it to collections agency NATIONAL CREDIT SYSTEMS whose representative XXXX ( XXXX ) has been harassing me for the last 3 months. XXXX said that her company had purchased my debt, tried to get me pay by phone, and threatened me with damaging my credit by informing the credit bureaus about this debt. I tried to speak with landlord, but it said they already " SOLD MY DEBT '' to the collections agency.
Had several calls from this number from Harris & Harris, LTD XXXX XXXX   ( XXXX  ) XXXX - Im in Florida- for the last couple of months and always let it go to voicemail and read the transcript, is a debt collection agency that I have no business with. They call, at odd times also, robocall, finally I decided to call back and complained about the harassment and stated I have no debts being collected, she took my name and number and said it didnt match who they were looking for. A week later the calls started again, called back and complained and said I was going to report them if they continued the calls. It may have been one to two weeks and Im getting the calls again. Last call XXXX on XX/XX/XXXX. I can check my log for the other calls if needed.
EQUIFAX SOLD A CREDIT COMPANY XXXX XXXX XXXX A DEBT I HAD ON MY CREDIT FILE AFTER IT WAS 10 PLUS YEARS OLD WHEN ACCORDING TO FCRA LAWS A DEBT IS NOT ALLOWED ON YOUR FILE AFTER 7 YRS. WHEN EQUIFAX WAS WRITTEN A LETTER IN XXXX BY ME THAT THIS DEBT WAS FROM 2004 AND SHOULD NO LONGER BE ON MY CREDIT FILE AND TO REMOVE IT AT ONCE THEY. ( EQUIFAX ) SOLD THE DEBT TO XXXX XXXX XXXX XXXX IN XX/XX/XXXX INSTEAD OF ABIDING BY THE FCRA LAWS " NO DEBT CAN BE REPORTED ON A CREDIT FILE AFTER 7 YRS. " A CLEAR VIOLATION OF A FCRA LAW. WHEN I WAS NOTIFIED BY XXXX XXXX XXXX XXXX IN XX/XX/XXXX I TOLD THEM WHAT OCCURRED THAT EQUIFAX SHOULD OF AND WAS NOT ALLOWED BY FCRA LAW TO SELL YOU THAT DEBT AND I SHOWED THE CREDIT FILE THEY IMMEDIATELY SENT ME A LETTER STATING THEY ARE NO LONGER COLLECTING ON THIS DEBT AND I AM NO LONGER OBLIGATED TO PAY THIS DEBT. THEY HAVE VIOLATED MY RIGHT AND I WANT THEM TO REMOVE ALL NEGATIVE ITEMS FROM MY CREDIT REPORT AND HELD ACCOUNTABLE OR I WILL SUE THEM IN COURT FOR XXXX XXXX DOLLARS ALLOWED BY THE LAW ...
This is a huge step in the right direction but there still exist major flaws in the proposed course of action. First, the final loan assumption was XXXX 2014 ; this is the date when I officially assumed legal responsibility of the loan. Second, the response does n't even address the false reporting of delinquencies. It appears to me that XXXX XXXX XXXX is just glossing over the matter of false reporting delinquencies. That is the main issue I have with my credit report now. As the financial records prove I was never delinquent on this account. The matter is n't even addressed in the response from XXXX XXXX XXXX  because they want to change the narrative. Third, how the loan is reported is n't in accordance with the contract I signed. The contract clearly states " the loan will be reported as Modified '' and not modified under a government program. If CFPB could please get an updated letter addressing the false reporting of delinquencies that would be great. As I 've shown through proof of payment and legal assumption of the loan, all delinquencies were discharged and not passed onto me upon assumption. This needs to be corrected ASAP. I 've provided all the necessary proof validating my position is correct. As I 've dealt with this company over the years I 've learned that they will pull out all the stops to XXXX you over. In my opinion, this is just another stall tactic in hopes that I 'll accept this but I 'm not. My good credit history is all I have and they 're not going to take that away from me. Please assist me in getting this corrected. If this dispute could be reopened I would greatly appreciate it. If XXXX XXXX XXXX refuses to correct the errors then I 'll have no choice but to seek legal recourse. As outlined in the assumption I 've attempted every option other than legal action. Please assist me in making one final attempt to get this matter corrected and effectively resolved. Thanks for your assistance.
I own a condominium with a mortgage from Wells Fargo. I have been uploading my insurance certificate repeatedly to their website at XXXX for several months, faxing the info to the number I was given, and have made two telephone calls to them. Yet I keep getting notices saying that they do not have my current insurance information. Now i just received notice that they have purchased insurance for me, despite my already having insurance. No matter what I do I ca n't seem to get this resolved, and if feels like they just want to charge me for insurance. It 's very frustrating because I 've wasted a lot of time trying to fix this. My insurance agent has confirmed that Wells Fargo has all of the property information and that my own coverage is in place. Wells Fargo is not easy to work with.
I have been a customer of Union Bank ( UB ) for many years. In XX/XX/XXXX, UB offered a XXXX card. I accepted it. Even though, I always paid my balance in full and on time every months, the UB kept charged interest and fees. I got so sick of it, I stopped use it since XX/XX/XXXX. 
Last month, I learned that the UB sent {$41.00} to a collection firm XXXX XXXX XXXX, XXXX without any advance notification or billing statement. On XX/XX/XXXX, I wrote to UB regarding this matter. The UB 's representative, XXXX called and told me to deal with the original creditor ( XXXX ) who never claims that I owed them anything. The UB refused to accept the full responsibility for their wrong action. Thank you
Hi I am running small manufacturing company In XX/XX/2015 we purchased this 3D printer and got a loan from Direct capital about {$48000.00}. 
according to the document we were supposed to pay $ XXXX/ month for 5 years. 
they want us to make bank direct deposit and charged us everymonth I forgot the supposed amount of payment we should pay ( {$970.00} ) and they kept charging us about {$1000.00} every month. Since it was automatic payment I didn't pay much attention about it and recently found out that they were charging more than $ XXXX/ month I contacted them and asked what this discrepancy was about and they told me it was insurance for the payment The thing is we have insurance for our business before purchasing this machine if they have aseked us for the proof we would have submitted it no problem but they never asked if we have any insurance and never sent us proof of insurance they enrolled for us. 
Now that I asked the question regarding discrepancy they suggest that if I submit proof of insurance they will refund 6 month of insurance that we paid. 
I think we should get all the insurance payment we made before getting 6 month of insurance for the payment is not fair since they kept this secret from us.
To whom it may concern, I never does business with this company CBE Group they got my phone number and call me and I already told them that they has the wrong person and there respond was ok I will remove your number from the caller list, My credit report with all three agency has been Frozen along with a fraud alert, and on XX/XX/XXXX around XXXX I receive a alert from XXXX that this company report a collection on my credit report in the amount of {$2800.00} I am disable has not work since XXXX received social security since XXXX so please I am asking you to have them remove this account asap thanks
I was married in XXXX and became a auth user on my mother inlaws discover card. she passed away in XXXX XXXX I called discover and told them what had happened and they told me that I would have to pay any balance that I had after her PASSING and that I was not responsible for any thing before that time because I was just and auth user, so I paid what I had to and contacted them to let them know that my part was paid. they started sending me statements and said that I had agreed to take the acct over and I told them NO I did not. So they were sending me treating notices so I took it to my lawyer and he contacted them anf told them to send him info were I signed to agree to take over the acct. They were unable to do that and he told them that the acct was not mine and to remove it from my credit report they did not. they said they sent all info to there lawyer and that the investigation was complete and that I owed it but they never sent me nor my lawyer anything.. The card was opened in XXXX and I was not living at this address nor was I married to my mother inlaws son nor even knew him. recently I got my XXXX credit report and it shows that I used the card in XXXX, XXXX, and I did n't even know my previous husband at the time. to me this is fraud.
I thought my mortgage company was in the process of getting me a loan modification and I found out that my home had been forclosed. They never told me that my home was sold or anything. All they told me was to send in more paperwork for the loan modification. I still have n't received any information in the mail about my home bein sold. Loan modification was started in XX/XX/XXXX. Please help.
I have submitted several request to Equifax to remove inquiries that I have not made on my credit report. I discovered these inquiries while reviewing my credit report report. Each time I have made these request by phone, mail and online they have sent me the same letter, which only explained what an inquiry is. By Equifax sending me this letter and reading me this script several times allows me believe they have not reviewed the inquiries belong on my credit report or my disputes. This is the only documentation I have received. My disputes began in  XXXX  of this year. The following days I initiated disputes of these inquiries :  X/XX/2017   ,  X/XX/2017   ,  X/X/2017   ,  X/XX/2017    and  X/XX/2017   .
I called up today to get the pay off amount and was told they did n't have it even when I originally ordered it last Tuesday and I was told XXXXXXXX hours. They I told them I was faxing the XXXX form today and she said they were waiting for XXXX more paystubs which I wont have until Friday. I asked could n't they postpone the sale day for a week to get this figured out and she said they were n't going to do that and If I could n't have a full packet in by today they were n't going to waste their time looking at the review anymore. That tells me that wells fargo has no intention of helping us save our home and they are forcing us to do a chapter XXXX