WillisBack/dataset-financial-user-claim huggingface dataset:
Well there are closed paid accounts that should not be still on my credit report at all some keep re appearing and wont go away I dont owe on them so they should have be Removed off my credit.
I took out a title loan on my truck. I was told I would pay a monthly payment and pay the remaining balance owed in 5 months. When I went to pay my last payment I was told I still owed over {$2000.00}. I paid about {$560.00} each month on time for 5 months. They did not tell me I was just paying a monthly payment for them to keep my loan. I 'm on a fixed income and its hard for me to pay that amount that is more than I draw a month. I tried to save my money this month and did not pay the monthly payment trying to get out of this mess and when I called to get the payoff I was told now I owe more than XXXX they are charging me XXXX for late fees. How is anyone suppose to get out from under this when they do n't disclose the proper info. The girl that did not tell me that the payment I was making each month was just to keep the loan she said it was a monthly payment they were making it easier for people to pay off the loans. I talked to the manager in XXXX XXXX when I went to what I was thinking making my last payment on the loan to find out I still owed over {$2000.00}. I informed her that was not how the loan was described to me and what I was told was very misleading. The girl was talking small talk to keep me from asking other questions. I had just done a 60 day loan and was refinancing it and she told me they had a new loan you just paid off in 5 months it was a lot better and easier for people to pay off would I like to chose that route and I said yes that would make it a lot easier on me. But never did I think I was paying that much each month for them just to keep my loan and still owe them the balance. I 've paid them over {$4000.00} and still owe them now {$33000.00} on a {$2000.00} loan. How is anyone suppose to get under this type of loan with all these fees. That is more than I draw a month I 'm a XXXX worker.
I have a Neiman Marcus credit card. There have been XXXX occassions when I have made my monthly payment by the due date and received my billing statement indicating that my account is past due. I make my payments using the automated system. The automated system indicates that if you make your monthly payment by XXXX your payment will be posted to your account on that same day and will be considered as being paid on-time. Well on both of the occassions I made my payments way before XXXX and when I got my billing statement it indicated that my payment was past due. I also got a separate notice in the mail indicating that my payment was past due. Neiman Marcus is telling their customers false information.
There is still a number of fraudulent accounts on my experian. These accounts in question has not been validated. I reached out to the companies to send me a signed documentation with my signature on the application and its been over 30 days and have not gotten a response. I know for a fact that Experian has not verified any of these accounts accordingly. XXXX is not a proper way of verifying fraudulent accounts. These accounts should not be on my credit report unless given permission. Under the XXXX Law Dictionary VERIFY means : To confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. The word " verify '' sometimes means to confirm and substantiate by oath, and some- times by argument. <P/>XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX are all fraudulent accounts and have not been verified nor validated. No consumer should have to endure such a horrific situation. These accounts was removed and put back on my credit report without the proper method of verification or the proper validation request I sent to each company. Remove immediately!
I was being called non stop about my medical bill that XXXX XXXX has sent to tsi. I never received a bill until XXXX the XXXX. I paid for the bill on XXXX the XXXX and asked to receive a recipet but still never have I called today as well and got no answer its been a month I 'm very upset and feel this is a scam only.
I disputed a discharged bankruptcy and XXXX  and Equifax refused to delete this error off my credit report. I have sent supporting documents and letters from courthouse stating they dont report to credit bureaus. They claim they are getting information from third part companies which is accurate and cant be used. XXXX did remove the error. I even sent in a copy to XXXX and Equifax and they still refused to delete the error.
XXXX was contacted through the CFPB to show this account as closed. According to their response, they have notified XXXX, XXXX, and Equifax that this account has been paid in full and should be reported as closed no longer showing a derogatory account on my credit report. Please correct this and show as a closed account and no longer a derogatory account.
For the last 3 years, I have made my loan payments to Navient. Every month I have notifications that I am late. I am assured every time I make a lump sum payment, on my own or by way of their auto draft- it does n't matter. The payments are not applied equally across my loans. Navient is the telling me the total amount necessary to satisfy these payments but then they do n't apply them correctly. Even now, because I don't/ca n't trust their auto draft payment process, I pay online. It still shows me behind on 3 of my 6 loans. I have had honest representatives tell me their system for many years clearly has not applied my payments correctly. When I escalate the call to a supervisor, I am belittled and treated poorly. Because of this, I have a mark on my credit from one loan. One loan out of six. It makes ZERO sense that if I am making lump sum payments, that I would avoid paying on one loan. They refuse to remove the disputed amount.
I started graduate school in XXXX. The program I enrolled in was " low-residency '' and summer only. It's XXXX XXXX XXXX XXXX XXXX of XXXX. The program ONLY meets in the summer. It takes 5 summers to complete the program. The problem is that NAVIENT considers these students as " unenrolling '' from a program because we couldn't take classes year-round. So, they make your student loans fall into repayment even though you have 3, 2, 1 years left of school! So, they collect interest on all of that time even though you CAN NOT take classes and have no option but to wait until the next summer. 

Additionally, Navient misallocated several of my payments. I specifically indicated which loans the payments should be applied to and they did whatever they wanted, which sent some of my loans in to " non-payment '' and disrupted my credit score, causing a delay on the purchase of my home. 

They were ridiculous to work with. I paid off my loans since then, but from XXXX, I dealt with all of this. I still don't know how much money they swindled me out of in interest while I was STILL IN SCHOOL.
FFCC-XXXX XXXX I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with FFCC-XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt FFCC-XXXX and I believe it is a HIPPA Act violation. I request that FFCC-XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FFCC-XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
I signed a lease for 36 and had trade in which and cash back from dealer. In signing I was required to pay first month lease. In the process of this loan there appear to be more then 36 mos of payments and the amount for down payment and first month payment is not included. Also the down is not reflecting the amount and trade value is not included. I also want to address the warranty is being denied by XXXX and my car have mechanical problems and is under warranty and they refused to service my car based on the agreement I signed with this lease. Presently still have car with warranty issuse and they have not corrected the matter. I filed lemon law and they still refused to service my car. I'm want to address filed a breach of contract against XXXX XXXX XXXX.
I paid off huntington bank in 2013 XXXX.they people from the XXXX XXXX keep saying I owe XXXX I talked to a guy there he said do n't worry about it he 'll make it a charge off.they do n't send me a letter or anything.there number is XXXX
My husband XXXX XXXX was going through some health issues which resulted in 4 months behind on the mortgage payments. On XX/XX/XXXX my brother-in-law XXXX XXXX, contacted XXXX XXXX to pay all the late mortgage bills which he was given a total of {$4100.00} XXXX Confirmation # XXXX XXXX. My brother-in-law insisted that he wanted to pay all the late mortgage payments until XXXX XXXX ; allowing my husband and I to begin making payments onXX/XX/XXXX Whoever spoke with my brother-in-law from loss mitigation department advised him that " she '' will cancel the transaction and the new total was {$5100.00}. The amount of {$510000.00} was paid onXX/XX/XXXXat XXXX ( Confirmation # XXXX XXXX. A week later my husband and I began to receive daily phone calls from Home Bridge. I attempted to return the call 3 times ; however, I was left holding on the line for over 20minutes and no one would speak with me. I didn't really think it was anything bad or to worry about because I knew we were caught on the mortgage untiXX/XX/XXXX Tonight,XX/XX/XXXXI logged into my account and learned that I was covered until XX/XX/XXXXand not XX/XX/ as requested. I don't have issues paying the bill, but I have a huge issue with the employee that did not perform the job well and my husband and I will be suffering the consequences.
Dyck-O'Neal, Inc. filed over 1000 cases in Maryland using fraud from National Mortgage Settlement cases. Many Maryland families have been enslaved for life with 100,000. - 300,000 plus illegal judgments. It is time for action by authorities to demand restitution for crimes committed by substitute trustees NAMED in the National Mortgage Settlement. 

The Department of Justice knows about these crimes and should be issuing indictments and arrest warrants for the NMS 15 ( a ) violators ; any criminal act. I reported these crimes prior to this communication and your answer was less than acceptable given the dire circumstances of the victims.

I have been intimately involved in more than one of these cases with good results proving FRAUD. For way to long these NMS crimes have been allowed to continue. It is time to act for the citizens ( over 1100 ) in Maryland alone, obtain some justice. Looking the other way when crimes have been committed with substantial evidence to prove the cases is just another crime. I look forward to a easy process to prove over

1000 fraudulent debt collection cases. I obtained evidence from many files in Maryland the reveal the fraud involved in these illegal judgments. These cases are very easy to solve. The evidence in located in each one of the foreclosure files ( east to see ) and
the subsequent actions filed by DYCK using obvious fraud documents.
I recently checked my credit report and I notice there are a bunch of unauthorized credit inquiries made. My credit was illegally ran by XXXX XXXX XXXX in XXXX, IL. I did not give them permission to run my credit and while out for a test drive they ran it and sent it to finance places. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into these XXXX inquires to determine who requested this credit inquiry. The same day, XXXX XXXX in XXXX, IL did run my credit with my permission so those inquiries are correct. According to XXXX XXXX, before they ran my credit, they said I had XXXX inquiries from XXXX XXXX XXXX. If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.
I did received a payday loan from them and I stop paying because of loss of employment, I called and notified XXXX but I do n't think I owe {$570.00} when I was paying on the loan when I connected them I was told it has been placed in collection and to call Plaza Services, I just was verification I owe {$570.00}.
I set up payments with Navient, {$220.00} bank debit every two weeks and on set days on a set schedule. I was told to call 3 days or more ahead if a pmt date had to be changed. I called eight days ahead of XX/XX/XXXX to change the XX/XX/XXXX debit to XX/XX/XXXX and it took over an hour but eventually no problem, they said, we cancelled it and changed it to XX/XX/XXXX. But NO THEY DIDN't AND TODAY i WAKE UP TO {$220.00} GONE FROM MY CHECKING ACCOUNT and now my other bills are XXXX. Already they are demanding well over XXXX % of my income and they ca n't even debit honestly. I am REVOKING the privilege of automatic debit, they are not trustworthy. I need that money back and the pmt to be at the end of the month as THEY AGREED. I have been contacted by the AZ State Attorney General because they have too many AZ problems with Navient and they sought me out from my activity inside the CFPB website so clearly I am not alone. Of course I am cooperating fully with the AG and against Navient. I return calls to some guy XXXX XXXX ext XXXX but always a recording ... .always ... .Navient is not to be trusted
I do n't remembering having an account with Capital One which states I owe {$2800.00}. I see this account listed on my credit report which shows it was already Charged off / Written off, as the last payment was paid XXXX 2015. Now 2 years later I received a notice from a XXXX XXXX XXXX XXXX XXXX XXXX which states they are collecting for Capital One. This is not my account and it is listed on my credit report which was just brought to my attention due to this Collection company sending me a notice to pay or receive a Judgment. This legal document has no stamp from the Courts which makes me think this is not a legal document. What can I do to stop this collection on an account I do n't believe I have.
I signed up for Citibank 's Citigold account via a promotional code ( XXXX ) in XXXX 2015. The promotion was to to earn XXXX XXXX XXXX AAdvantage miles. Earlier this year, I met all the requirements. However, the XXXX miles still have not been deposited into my account. I spoke with and messaged Citibank multiple times over the course of the past few months ( both by phone and via online chat ). Every time, they told me that the promotion code was good, confirmed that I was eligible and that I had met all the requirements ( and that I had completed those requirements before the deadline ). Unfortunately, they are now refusing to honor the promotion and will not give me the XXXX miles. They just sent me a letter stating that I was not " targeted '' for this offer and so they will not honor it because only " targeted '' clients are eligible and that because I was n't supposedly " targeted '', that means I " will not qualify for this promotion ''. However, they told me no such thing when I applied, nor at any point during my numerous conversations with them. In fact, they kept reiterating that I was eligible and that I had qualified by meeting all the stated requirements. Please help.
NATIONAL CREDIT SYSTEMS I was being garnished XX/XX/XXXX. owed money to a property Management in XX/XX/XXXX. This was paid off by XX/XX/XXXX and the garnishment stopped. I was applying for an apartment and on my credit it said i still owed XXXX. I called to deal with them and to set up payments because i had no idea i owed them this long. they were very rude and i would not set anything up. the lady said to call back when i had more money and hung up. Looking more into this i found that others like myself were being charged for amounts that had been paid off. I paid the amounts and the garnishment stopped. i never got anything in writing stating that i still have fees. none of my paperwork says i would still owe money. i have a paper that shows my last payments garnished. they were able to contact me through my employer. if i still owed money why was n't it also garnished? i paid my fees, and now this issue is now making it difficult to find a place to live. this is causing hardship, this will make it difficult to get to work since i now have to move in with a relative, making my commute long and difficult.
I have never heard of this company, nor have I had any communication with this company. Last I heard was, I was up to date with my XXXX account. I havent done business with them in years. And now I have this collection from another company on my credit report. I want this off my credit report. This is ridiculous. I know nothing about this account nor why it is reporting.
Caller requested name, DOB, address, and SSN # before he would tell me why he was calling. He also asked for my wife 's demographic information. I asked for a callback number to verify him. He refused to provide a callback number. He then called my wife at her work number and attempted the same thing. Luckily her office assistant worked interference.
On XXXX XXXX, 2015 I received an email from a XXXX XXXX regarding " renting '' my home that I am currently living in. She said she wanted to know if it was still available? Left her email and phone number for me to contact. Upon contacting her I advised her that my place is not for rent and demanded to know where and who she obtained my personal email, name and phone number from. She said she joined a website called date.capitol and that my property was listed by my mortgage company. My mortgage company is Ocwen and my mortgage is currently current. Two months prior I had been late with my payments, but since then I have brought the account current. I immeditaly contacted Ocwen to find out if they had my account in a foreclosure status because the date.capitol website indicated that they dealt with foreclosed properties?? Of course, they told me that my account was current and that they would never sell my personal information. This is NOT true, how else would this company receive my personal information, email and cell phone. Ocwen has that information is selling homeowner information to fraudulaent websites and companies. I am very concerned about dealing with Ocwen and this person contacting me to inquire on renting my house? Ocwen is giving my personal information as if I 'm getting ready to foreclose and selling my information to fraudulent companies. I need help in investigating this. Again, the lady I spoke with said she joined this website for {$120.00} and was told that the information is inside info coming directly from the lender! In this case OCWEN.
I have had a bank account with Bank of America and their predecessors for more than 40 years. My bank account does not reflect electronic funds in the amount of {$440.00} which was supposed to be directly directly deposited in my checking account. I will attach email sent to me by XXXX announcing such payments by XX/XX/2017 but no money ever appeared in my bank account. I will also attached picture of activities in my Bank of America account for you to verify that no money ever appeared as announced in the attached email. 
I have already emailed XXXX to further investigate this matter at their end but I believe is Bank of America ' illicit behavior what has been causing me loss of my money and credit worthiness. They have acted without any supervision or accountability for mistreating and taking advantage of consumers. 
I had a similar problem with Bank of America last year when I filed a complaint against them and I am still waiting to receive an answer. 

I hope you enforce the law in organizations defrauding people like me that I am a provider being pushed into bankruptcy due in part to Bank of America. They are have continued disposing of my money illegally. 
The Individual appointed by the bank to do the investigation from the complaint filed last year never returns my phone calls or responds to my request to set up a phone appointment. She knows full well I am a provider and ca n't answer phone calls while providing care. 
Bank of America 's negligent and dismissive response to my previous complaint when funds were not paid as scheduled and future payments, not scheduled by me replaced, the one never sent to XXXX. I am currently paying 26 % in interest as a result of this matter. Bank of America 's behavior demonstrates inability to ensure the security of consumers hard earned money. This is serious enough to render them ineligible to perform their duties. 

I appreciate all the interest you put to my case. The amount of financial problems associated with Bank of America unaccountability and unresponsiveness are too long to describe here. 
Please advise me on the best course of action. 
You can publish my case but not my name or account number. I believe it may cause me additional consequences.
I called to get help lowering my payment because one, I have n't finished my degree and two I was unemployed and had a baby. All times they told me to fill out a forbearance letter. Thus adding more interest and higher payments. This happened more than twice. I was not informed of other options. Now I am left with more interest and higher payments.
Company has repeatedly sent me letters trying to collect a medical debt that is not mine in the amount of {$1200.00} on XXXX XXXX for a person named XXXX XXXX who resides at XXXX XXXX XXXX , XXXX , Texas XXXX. His birthday XX/XX/XXXX. 
His phone number is XXXX. 

This is not me. I have tried to explain to this to the person on the phone with the debt collector agency ( Commonwealth Financial systems ). He was a completely unprofessional and not willing to help me at all. They have even reported it to XXXX. I have excellent credit and this has lowered my credit score. Please help. Not sure what else to do. 

Warm regards, XXXX