WillisBack/dataset-financial-user-claim huggingface dataset:
I just went through a lengthy loss mitigation lawsuit with Green Tree Servicing. We each had attorneys and once the paperwork started moving, we came to an agreement. I made the XXXX XXXX payments as promised, beginning in XXXX of 2015. The next payments XXXX XXXX and XXXX XXXX were for the same amount. I have all payments sent automatically by my bank so there is no problem and there was none -- until I received the statement for XXXX. There are charges on there that were never mentioned in the agreement. One of them is in the amount {$2100.00}, which was supposed to be a forbearance in interest charges. That was outlined in our agreement. The other is for {$5.00}, which was never mentioned in the agreement and they tell me it is for attorneys fees totaling {$53.00}. They are going to charge XXXX payments of the {$5.00} for that, beginning with the XXXX payment. When I asked " XXXX '' why did I see the {$2100.00}, since that was a forbearance amount, he stated that it was for back interest and I would be charged for that later (? ). When I asked again, he said " I ca n't answer anymore questions, do you want the fax # to write your letter directly? '' What I am looking for is that my agreement be honored ( as I have made good faith payments as promised ) and that Green Tree does not add their bogus fees to my mortgage payments. It is not right and will not go away without intervention.
XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  is reporting incorrect information showing the wrong date when the payment should be paid. The payment is due the  XXXX  of each month. You have 10 days before a late charge. Sending late payment before 30 days has past. Sending to the credit bureau showing payment not received. The {$110.00} was paid to cover the  XXXX / XXXX / 17  payment because I mailed the payment and was lost in  the mail. So, I paid the {$110.00} to take care of the one got lost in the mail and not paid one payment. The manager said that he would take care of it but did not. Credit Bureau shows that payment was late 30 days on two occasions in which it was not. I have not missed a payment because the manager tol d me to pay the {$110.00}. If you do n't pay the date that the payment is due, they put you down for 30 days as for  XXXX /2017 and  XXXX /2017 not date due which is the  XXXX  of each month. Payment is shown as the month and the year not the date due. The payment is not showing that the payment was due the  XXXX  of each month and paid  XXXX  payment on  XXXX / XXXX / 17 . The payment was due on  XXXX / XXXX / 17  and 10 days before a payment is due but reported. Equifax is showing Historical Account information that is incorrect. This company is trying to hurt my credit by not reporting it 30 days past due but when you do n't  pay on the due date but sending to the Credit Bureau. I am paying more than what is due at times. See attached
Statement from Transunion in the first complaint We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of our research, our records show that your security freeze was placed on your TransUnion credit report on XX/XX/XXXX, in response to your request via the internet. If you would like the security freeze permanently removed from your TransUnion credit report, please submit your request in writing along with the PIN that was provided to you on XX/XX/XXXX. 
In order to verify the accuracy and completeness of the item, we have contacted the source of the information and provided them with any additional relevant data as it relates to your complaint. XXXX # XXXX verified your name, address, date of birth, and social security number as being accurately reported. The current balance was updated from {$1100.00} to {$1500.00} and the credit limit from {$2200.00} to {$1700.00}. The account currently reflects as an open charge account in good standing. 

From Transunion 's Website - what is a Freeze? 

" Placing a freeze on your credit report will prevent lenders and others from accessing your TransUnion Credit Report entirely, which will prevent them from extending credit. With a Security Freeze in place, even you will need to take special steps when you wish to apply for any type of credit. '' First issue - Trans Union says that a Freeze was placed on my file in XX/XX/XXXX. The file has been open and unfrozen since at least XX/XX/XXXX, and that is evidenced by the many inquiries to my file, and the lack of activity from me since and through XX/XX/XXXX, to remove/add back the same. TU has also stated, that I need to lift the freeze permanently, when this was already done by me - in XX/XX/XXXX. 

I attest that my record is corrupted, as even TU 's " FREEZE '' site - says I have no FREEZE, yet the Member Site -- - says there is. In speaking with the reps at TU - they could neither explain the issue, nor recommend a fix to this data issue. 

If - there was a freeze, than TU is now asserting, it has allowed access to my file 40 times, in the last 2 years with absolutely no approval or, written or traceable action by me. 

The attached screen shots, show - a " Freeze '' state and then -- -- a " No Freeze '' state from its systems, in the same day. 

The record is corrupted, please simply fix the state of FREEZE/UNFREEZE. 

Secondly - with the update from XXXX ;, the REQUIRED pay history remains incomplete - allowing this Tradeline to be incomplete and inaccurate. The account was opened in XX/XX/XXXX, and NO history exists until the recently inserted " XX/XX/XXXX OK '' status. 

Please either update this record to be complete - or delete the tradeline for it has been left incomplete and now wholly inaccurate. 

Please share a printed, and mailed credit report as I do not agree to online results or reports.
I recently started looking to buy a car in XX/XX/XXXX but to my surprise, I found out that once I met with the salesperson he told me that they ran my credit XXXX times overloading me with inquiries. It shows differently on all of the reports but the dates are in this range as shown below from XX/XX/XXXX through XX/XX/XXXX Had I knew this beforehand, I would probably would not have bought the car. Please help me. No one is going to give me a chance with all of these inquiries.
***XXXX*** -- XXXX XXXX Inquiry from XX/XX/XXXX-- XXXX XXXX XXXX Inquiry fromXX/XX/XXXX -- XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX Inquiry fromXX/XX/XXXX -- XXXX XXXX XXXX Inquiry fromXX/XX/XXXX -- XXXX XXXX Inquiry from XX/XX/XXXX -- Ally Financial Inquiry from XX/XX/XXXX ***XXXX*** -- XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX Inquiry from XX/XX/XXXX-- XXXX XXXX Inquiry fromXX/XX/XXXX ****XXXX**** XXXX XXXX XXXX -- XX/XX/XXXXXXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX
Receivable Performance Management LLC was hired to collect on a debt that has already been resolved by the previous collection agency and XXXX. The debt was removed from my credit file well over one year ago because it was determined frivolous. After the resolution, XXXX hired another agency to continue to harass me for a debt that has already been resolved. The debt was forgiven due to poor service. I lost money and had to go to a different carrier because of poor service when I had XXXX 2 years ago. I am not going to pay on something that was already resolved.
XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ;  XXXX ,  XXXX , and Equifax. This i s Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately.
I SENT {$1000.00} TO XXXX THROUGH XXXX XXXX. THE RECEIVER NEVER RECEIVED THE MONEY AND XXXX XXXX REFUSES TO REFUND ME MY MONEY. THE TRACKING NUMBER IS XXXX. MY NAME IS XXXX XXXX PHONE NUMBER IS XXXX
Navient payments are not practical! $ XXXX is not feasible by any graduate let alone more recent ones who are only making $ XXXX! Loans need to be more practical and payable! I ca n't get engaged, married, a house or even live because of my loan payments!
Earnest ( www.earneset.com ) asked about monthly expenses, including rent. I do not pay rent ( my spouse pays all of the rent and since they do not consider spousal income, they should not consider spousal monthly expenses ). They refused to accept that I do not pay rent when considering my loan and offered me a higher interest rate than I should have qualified for based on my monthly expenses. Additionally, they refuse to consider assets and property when calculating interest rates. They are currently considering household debt and monthly expenses, but refuse to consider household income. I believe these tactics of selectively considering income and assets is in an effort to ensure they are able to keep their interest rates high and make their advertised interest rates unattainable. This occurred from XX/XX/XXXX-XX/XX/2018.
After going through my credit reports and seeing multiple accounts from XXXX XXXX now owned by Portfolio Recovery, I requested validation on XX/XX/XXXX which was replied to in a letter dated XX/XX/XXXX. During this

time Portfolio Recovery was still aggressively trying to collect on these accounts which contradicts FDCPA 1692g. From that time Portfolio Recovery calls multiple times a day from multiple numbers with no regard to my request that all communication be done through mail. When I did call back the person I spoke to was not interested in anything I had to say but just kept repeating the same line.
An item was ordered from XXXX  and the treadmill was never delivered and the order was canceled. I called the credit card company, I was told that they can see that XXXX issued a credit for the full amount of purchase plus shipping, but the refund is in a pending status and thus they could not change the information on my credit report. I have done everything that I need to do, I not sure what to do at this point.
A transaction through Paypal on XX/XX/XXXX for {$910.00} was debited back to my account on XX/XX/XXXX. I explained to Paypal rep that pay pals contract, which is a contract of Adhesion, states clearly that this transaction is guaranteed. Paypal uses the guarantee offer to solicit consumers to sign up as use they service, as they did with me. However, PayPal seems to DELIBERATELY ignore their own policy, breaching our contract. I have been unable to use my PayPal account for weeks and this has cost me business.
I HAVE NUMBER ATTEMPTS CONTACTED CHASE CREDIT CREDIT CARD XXXX IN REGARDS TO ACCT : ******************* THAT IT IS NOT REPORTING TO MY CREDIT AGENCY : IT DOES NOT SHOW ON EITHER OF THE CREDIT AGENCY. I CONTACT NUMBER OF TIMES AND THEY STATED I FILED A DISPUTE TO TAKE IT OFF MY CREDIT REPORT : THEY ARE INCORRECT, FOR WHAT EARTHLY IDEA I WOULD STATE THAT AND WHEN. I HAVE XXXX ACCOUNTS WITH CHASE BANK SINCE 2012 AND PAID AS AGREED AND NEVER LATE, WHY WOULD I WANT TO DELETE FROM MY CREDIT REPORT. I WOULD LIKE FOR CHASE BANK TO PROVIDE A WRITTEN LETTER HEAD SIGN BY ME WITH MY ID TO REQUEST FOR THAT.
in XXXX I opened a XXXX Credit Card. In XXXX Capital One took over my card and it became a Capital One Platinum XXXX. As I was researching I discovered that this particular credit card they offer has no annual fee. I was very happy for this because I was pretty sure there was a fee on my old XXXX XXXX. I recently paid my Capital One Platinum card off and suddenly on my next statement besides the residual interest there is an annual fee of {$39.00}. I call them to ask about this fee and they said that it was part of my agreement with XXXX ... ..ok but it has been a Capital One card since XXXX and I feel that I should be getting the same benifits that they offer with this card for the same price that they offer their other customers. They said no they ca n't do that. Ok then transfer me to their other card that they do charge {$39.00} annually and give me the benefits that card offers. Again they said no. They refused to waive it, and insisted they can not drop the fee in the future even though I have been an excellent customer. They told me I could close it but that would have a negative effect on my credit rating since it was such a old/longstanding credit relationship. 
I feel this unfair, when they took over this card and put me in one of their products should n't it have more equal? And when brought to their attention, work with me now that they can see the type of customer I have been?
Bought car in XXXX from AUTOMOTIVE CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX. I filed chapter XXXX Bankruptcy in XXXX at United States Bankruptcy Court XXXX XXXX of Indiana which time this was discharged.My credit file with XXXX was updated in XXXX stating that {$30000.00} was past due with a balance of {$10000.00}. I have disputed this matter several times and keep getting a response of " validated '' .I offered to send a copy of my discharge papers only to be told " you have no public records '' Account Details Last Reported XXXX XXXX, XXXX Creditor Name AUTOMTV CRDT Account Type Automobile Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term XXXX Months Monthly Payment {$370.00} Responsibility Individual Balance {$10000.00} Highest Balance {$12000.00} Payment Status Unknown Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due {$30000.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks -- Payment History No payment history has been reported by this creditor. 
Creditor Contact Details AUTOMOTIVE CREDIT CORP XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Direct Dispute You recently filed a dispute for this account. 
See the details here. 
XXXX Recommendations Find opportunities to refinance your auto loan. 
Look for ways to save on your auto insurance premiums.
My pay was garnished by Gurstel law firm on behalf of XXXX XXXX for the full amount of money I owed on a debt from XX/XX/2012. I was out on XXXX during the garnishment period and this money was paid from my XXXX XXXX  XXXX benefits. While I am relieved to complete payments on a debt I rightfully owe, the original creditor is still reporting my account as unpaid on my credit reports. 

I have tried contacting the bank customer service with no success. I also disputed the account with the credit bureaus but they are verifying the debt as accurate. I did not receive a garnishment release although they stopped taking my pay.
This company has posted two accounts to my credit report without sending me any communication and right to dispute. 
I have attached documentation to the company who sold both accounts disputing and they still sold the to IQ Data. These accounts are bogus and should not be on my credit report. I have also contacted the attorney general of Texas and Washington about this issue.
On XX/XX/2018, I sent a letter to Experian asking them to verify that the US BK CT-XXXX XXXX MI was reporting to them on my credit report, which they did. The courts do not report directly to the credit bureau about individuals credit, therefore, making the information invalid.
In the beginning on XX/XX/2018 I called to refinance my loan. I was advised by ditech that my interest rate on the current loan was too low and I should have ab appraisal done when my loan reaches 2 years. In XX/XX/2018, icalled ditech and they asked that I send them ab email. I sent an email requesting they remove the pmi form my loan. They sent an appraiser XX/XX/2018. I recieved an appraisal that my house value increased {$35000.00}. Ditechs denial letter states that the value of my house has declined. They sent me in writing a factually incorrect reason for denial wilfully and with full knowledge that my property had not declined in value. I am happy to forward any documentation requested XXXX XXXX XXXX XXXX XXXX
I have reviewd my credit report and I see a auto loan account that I have been disputing for a while now, I have not received any respond from requesting validation and verification of the account under law section of the credit fair act they have not comply with requests
my name is XXXX my husband and I for the past three year went through some XXXX XX/XX/XXXX-XX/XX/XXXX. however are trying to cleared up our debt. our mortgage loan is through XXXX XXXX XXXX. but was originally through XXXX XXXX. now we were told our loan servicer is Green-tree now it is Ditech. we are trying to modified our home. for the past three years we have send document to XXXX XXXX XXXX, green tree and was told they never got them they gave us mailing address we send document 3-6 times they did not receive but never return to us then faxed multiple time still having problem. we had to hired a lawyer. and we had a mediation they told send profit and loss and we would get option within 30 days that never happen. originally back about 6-8 years we have a income loss and needed modification. we did not pay our mortgage for about 3-months we were send document to modified our loan. during that time we send whatever money we could. our loan was turned over to XXXX XXXX XXXX from country wide. I was not sure if we were ever modified. went I call to get help when we first got sick we were told no. after we went into default. they called and we ask if we were ever modified they said no and we are qualified for modification which never happen. now they are saying we did get HAMP modification. I know we had to sign some document for bank as our new servicer. but still not sure of what happen. nothing is ever straight. we are asking for help in this matter we would greatly appreciate it thanks
Transworld Systems Inc. XXXX XXXX XXXX XXXX , DE XXXX is trying to collect on a college loan that was hardship discharged after the death of my husband in XX/XX/XXXX. I 've had no further correspondence regarding this loan until this past year when now they said I am delinquent and trying to attach to my wages. They have already taken my tax returns. They do n't call, they do n't answer calls, they do not send any paperwork. They never contacted me regarding any payroll withholding so they are doing this without my permission and I 've ready received a release from withholding from them when they tried to do this in XX/XX/XXXX and my payroll department contacted me. They are trying again in XX/XX/XXXX and I 've sent paper work to them twice that they have released me from withholding already but my employer says the will have to withhold if Transworld does not contact them to straighten this out.
I maintain several credit card accounts with Capital One. On my XXXX Business Credit Card, they apparently have the option to charge a XXXX XXXX of 29.65 % if you are late for an indefinite period of time. Prior to the penalty, I was paying 12.99 %. I have a great payment history with on-time payments, but when I changed banks due to a move, I was late by 4 days, resulting in the increased interest rate. I find it egregious and unfair and would like to submit my complete dissatisfaction with this policy.
RBS Citizens Bank NA is intentionally deceiving its customers by manipulating its transaction processing in order to extract {$35.00} overdraft fees. Citizens represents to its customers that they will not be assessed an overdraft fee if they cover the overdraft balance on the same day ( i.e. by moving money from their Citizens savings account to their Citizens checking account ). However, they intentionally withhold processing of certain transactions until XXXX. Therefore, customers overdraw in the middle of the night, and only have 59 seconds to both recognize the overdrawn account and to complete the transfer request. I have been a Citizens customer for 27 years, this has never happened before, and Citizens refuses to waive the {$35.00} overdraft fee, even though funds were moved from savings to checking to cover the overdrawn account on the first full day of noticing the account. Citizens ' intentionally manipulative policies entice customers to rely on the ability to move funds to avoid a fee, and then takes advantage of this misplaced reliance to extract exorbitant fees. Citizens must either change its processing to put through transactions as they occur ( similar to other national banks ), or notify customers that they should not rely on the " same day '' policy -- as that same " day '', in most cases, is less than 60 seconds.
I sent a letter on XX/XX/18 requesting XXXX XXXX XXXX XXXX to validate charge off of {$8600.00} and of another amount of {$5700.00} with similar situation. Never received a letter in regards to validation. A copy of the letter is attached.
Is not mine gave them PROOF of adress at the time had my apartment lease and send it to them. Call them about the account was open and told them it was not mine the Representative ask for my info to put a complaining and after I gave her my info she said that os your account and I 'm going to fill out all the missing info In your account when I told her o already has services in reall adress how can o possible be living at 2 different adress at the same time and they hang the phone. O fild different forms and claims and no luck removing alot of things someone did when my identity was stolen. The collection agency is penn credit in XXXX PA AND THE COMPANY IS XXXX Penn credit keeps harassing me calling me at all times
XXXX XXXX the owner of RushCard has cause a lot of people including myself a lot of financial problems due to RushCard system being " hacked '' or shut down from what I 've read so far. I have XXXX cards with RushCard and neither of them are working properly. I will not be using RushCard ever again and will not refer any of my friends or family to this company.
I get phone calls at home and on my cell as well as my wife 's cell sometimes hourly. I asked them to stop. They then call from another phone number.
I used paypal credit to send XXXX dollars to my wife on XX/XX/2019 using the option to send money for goods it sent the money but would hold it for 22 days. It doesn't tell you it holds the money until after you transfer it. So I sent her another XXXX using send to friends option since this was supposed to be faster. She needed the money soon. This charged me a fee and sent her the money. She then paid a fee option also to have it deposited right away of 1. % or she could pay no fee and wait 2-3 business days. It took the fee from the money but 7 days later and the money was still not transferred. She issued a refund on the site to me on the XX/XX/XXXX. The refund was never processed. She also called and was told her refund was processed and it never happened. I called today on XX/XX/2019 and the refund was still not processed and never showed she issued a refund even though she did it and called a rep to verify it. Paypal put me on hold for 50 minutes today XX/XX/2019 told me to request my XXXX dollars back from her and I would not get the fees reimbursed and she wouldn't either. Then hung up op on me. I call back and wait 22minutes but they can't do anything on level one because of their system they don't have any control over it like it became self aware and they no longer have control over it. My only option was to get transferred again to hold abyss for 50 minutes where an unfriendly non-English speaking rep would have me re-explain the whole situation again. I owe PayPal XXXX dollars minus fees for money they never transferred to the recipient. And to get it back I need to request the money from the recipient and have them also pay fees to send it. 

TLDR : Paypal charged me XXXX plus interest fees and the recipient fees to transfer XXXX dollars they never transferred. Now they want to keep those fees and have me request the XXXX dollars back from the recipient having them pay fees for money they never transferred to the recipient 's bank account.