WillisBack/dataset-financial-user-claim huggingface dataset:
I 've contacted the company on several occasions and verified the account is n't mine. They are still reporting it to the credit bureau agencies reports.
This credit card changed hands and interest rates hit to 29.99 %. They are calling themselves a bank now as well. There seems to be another question and I do not know where that questions full problem is. But, can they call my cell phone? Can they call outside business hours? 

I am paying on this bill besides. It looks as though I am not late either. 

Again I see it if tax % are 3-4 % where to bank cards come out being this excessive? It seems to be a practice here in Wisconsin to change hands in business leaves no binding and or reasonable interest charges to it 's customers? Pass the buck around is for profit. What groups find this bad medicine OK to do? This group needs to recognize thier bad business practicing and take heavy fines for causing citizens to be failures. 

You can also see I have not used this card either since the date indicated too. So why make up figures to lighten the charges?
When I login to paypal to I keep getting the following messages : PayPal is constantly working to ensure security by regularly screening the accounts in our system. We recently reviewed your account, and we need more information to help us provide you with secure service. Until we can collect this information, your access to sensitive account features will be limited. We would like to restore your access as soon as possible, and we apologize for the inconvenience. 

Why is my account access limited? 

Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2014 : Your PayPal account is connected by one or more pieces of personal information to another PayPal account that has a negative balance. 

Before we can remove the limitation from your accounts, you first need to resolve the negative balance on the linked account. Please call Customer Service at XXXX. 

( Your case ID for this reason is XXXX. ) How can I get my account access restored? 
It 's usually pretty easy to take care of things like this. Most of the time, we just need a little more information about your account or latest transactions. 

To help us with this and to find out what you can and ca n't do with your account until the issue is resolved, go to the Resolution Center. 

We 'll review the information you provide and email you if we need more details or when your account is back to normal. 

Once you complete all of the checklist items, your case will be reviewed by one of our Account Specialists. We will send you an email with the outcome of the review. 

I have XXXX accounts, XXXX I want to close and the other I would like to continue to use since I have cleared the balance on the account.
Our mortgage payment was mailed in 9 days late. We received an extremely harassing telephone call from 21st Mortgage Company, threatening us with damaging our credit by reporting it late if we did not turn over our bank account information for immediate payment withdrawal, and telling us putting it in the mail was not acceptable. The person on the phone, when his information was requested, said his name was XXXX and he was our account manager, and refused to provide any other information. He repeatedly tried to bully me into providing my account information, and I finally cornered him into admitting the payment was not late yet. This is unacceptable.
Loan went into repayment period starting XX/XX/2018 with wrong interest rate. Loan issuer Navient is charging 5.594 % interest when loan documentation shows interest should be 5.31 %. Called the company to resolve ; customer service plugged in the numbers and said I was right but they would not do anything to change the monthly payment to reflect the correct interest rate.
My loans were transferred from the XXXX to Navient. Once that happened my loans have not been the same, it seems as if the interest rate is incorrect and very hard to repay back. I consolidated my loans and now I have the old XXXX loans and Navient ( Who use to be XXXX XXXX ) loans on my account looking as if I have multiple loans, when really they are just one loan reported twice. I have called and complained plenty of times to Navient and they said it was out of their hands, but they are the only ones who can correct any of my issues with them. I am concerned with the interest on my loans, with the rate that I am going I will never be able to pay them back. I really hope someone stops Navient from doing what they do and I hope I can get help with my loans. My goal is to have any loans my Navient completely erased as a penalty of their wrong doings.
I had sent Cardinal Financial my XX/XX/XXXX monthly mortgage payment ( due on XXXX XXXX ) on XXXX XXXX in the form of XXXX different money orders of {$990.00} each, for a grand total of {$2900.00}, in a single envelope. But the bank only cashed XXXX of them for {$1900.00} on XXXX XXXX and applied that amount towards principle, as my total monthly due amount is {$2700.00}. In essence they lost the third money order. Upon inquiring they requested me to send them copies of the money order receipts, which I scanned and sent them promptly on XX/XX/XXXX. The receipt images I sent were of very high resolution, they clearly show each and every detail, including date, money order number etc. They replied saying they would investigate and get back to me by " the time permissible by law ''. I never heard from them after that. I proactively called the money order issuer, in this case XXXX XXXX, and verified that the money order in question has not been en cashed so far, even until today. 

I had been constantly calling Cardinal Financial inquiring about this issue, they kept saying they need additional time to investigate. When I called them today they said they need additional information to investigate, without clearly telling me what. After spending 1/2 hour on the phone with one of their supervisors she said they need photo copies of the original money order. If I had the original money order with me to take a photo copy and send them, we would n't be in this situation. We are here because they misplaced my money order. 
Since they are not being very helpful I called XXXX to see if they can cancel the money order and refund me the money, they said I need to submit a written request with all the proof. But, they would charge me {$18.00} as processing fee. I decided to take this route as Cardinal Financial was n't providing any solution even after a month has passed, making me nervous about my {$1000.00}. 
I called back Cardinal Financial requesting to reimburse my expenses but they denied, though they are clearly at fault. Their customer service department has been making run pillar to post blaming their internal resolution department but each time they refused to let me talk to any one in this department. Its been a nightmare dealing with them.
I HAVE JUST REFINANCED A COMMERICAL PROPERTY THAT I PURCHASED TWELVE YEARS AGO. I HAD A MORTGAGE ON THIS PROPERTY WITH XXXX BANK, THEY LATER SOLD MY MORTGAGE TO M & T BANK. AT THE TIME M & T BANK PURCHASED MY MORTGAGE FROM XXXX BANK M & T BANK CHARGED MY MORTGAGE ACCOUNT WITH A TRANSFER FEE OF {$400.00}, WHICH I HAVE CONTESTED THIS CHARGE FROM THE DAY APPLIED TO MY ACCOUNT. ON XXXX/XXXX/2015 I REQUESTED A PAYOFF ON THIS LOAN, PER M & T BANKS INSTRUCTIONS I FAXED THE REQUEST FOR THE PAYOFF WITH MY SIGNITURE. I WAS ADVISED BY THEIR PAYOFF DEPARTMENT I WOULD RECEIVE THE PAYOFF AMOUNT WITHIN 24 HOURS AFTER RECEIVING MY FAX. AFTER FIVE BUSINESS DAYS AND XXXX LENGTHY CALL THEIR PAYOFF DEPARTMENT I RECIEVED THE PAYOFF FIGURES THAT I REQUESTED. ON XXXX/XXXX/2015 WHEN I CONTACTED M & T I WAS NOT AT ANY TIME DURING THIS FIVE DAY AFAIR THAT THERE WOULD BE ANY SPECIAL FEES. 
WHEN I MADE MY REQUEST ON XXXX/XXXX/2015 FOR THE PAYOFF I INFORMED THE BANK THAT I HAD A CLOSING AT XXXX XXXX/XXXX/2015. I DID NOT RECEIVE THE PAYOFF UNTIL XXXX PM XXXX/XXXX/2015 AT WHICH TIME IT DISCLOSED THE SPECIAL FEES THAT HAD BEEN APPLIED TO THE PAYOFF ON THIS LOAN. THE {$400.00} CHARGE THAT I HAD DISPUTED, A {$770.00} " 60 DAY NOTICE FEE?? ", {$290.00} RELEASE FEE, {$100.00} A PAYOFF LETTER FEE. THE TOTAL ADDITIONAL CHARGES FOR {$1400.00} I WAS FORCED INTO PAYING IF I WISHED TO CLOSE THIS LOAN I HAD NO OTHER OPTION. I HAVE BEEN PAYING M & TBANK 7.5 % WITHOUT THE OPTION TO REFINANCE WITH THEIR BANK. MY LOCAL BANK PROVIDE A XXXX XXXX RATE ON THE REFINANCE. MY ATTORNEY WHO IS IN HIS XXXX YEAR IN HIS PRACTICE, THE FINANCE OFFICER THAT PROVIDED THE LOAN HAD NEVER CLOSED A LOAN WITH SUCH UNRESONIBLE PAYOFF CHARGES. AS THE CONSUMER DO I HAVE ANY LEGAL RECOURSE?
XXXX pulled my credit report. Found a XXXX XXXX account on it that did n't belong to me. Disputed it with Equifax. Came back verified within days. I called XXXX XXXX XX/XX/XXXX. They verified it was not my account, sent me a letter that I forwarded to all 3 bureaus. XXXX and XXXX removed the account. Spoke with a rep at Equifax who told me that I was not allowed to send into letters as proof it has to be from XXXX XXXX. I told her the letter was from XXXX XXXX. They mailed me the letter as proof the debt was not mine. She politely told me too bad. Terrible service. This is my credit and mine and my family 's future and to havevan account that is reporting negative in my account that is n't mine is unacceptable.
This is a complaint from XXXX XXXX against Valley Collection Services for Valley Collection Services failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from Valley Collection Services with a written explanation and request for removal from his credit report.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation or removal makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
I was told by a store manager that if I wanted a Victoria Secret credit card that there would be no hard pull. I was told that there would only be a soft pull. The customer standing next to me at the next register was told the exact same thing - and it was a lie. 
This has hurt me a may be causal to a subsequent denial of credit a few days later. 
Had I not relied on what the store manager told me I would not have applied for the card. 
I was given no contract nor asked to sign any agreement. All I needed to do was prove my identity. 
Relying on the lie that the store 's agent told me resulted in a monetary injury to me. And I feel victimized and wonder who, in the future, I can trust.
This debt no longer exists the original owner XXXX, has taken it off my credit report. Cavalry simply bought the debt and is trying to get some money from me.
I was told I would receive money from the government in the amount of XXXX and that all I needed to do is go buy a prepaid steam card call them back and give them the money to insistently fix my credit so that I my received this money. I have asked them repeatedly to QUITE CALLING MY NUMBER and they refuse to quite harassing my family and me. This company has contact me 3 ( THREE TIMES ) times todays and each time they have called I have asked them to NOT CONTACT MY NUMBER AGAIN but they ignore my request and call anyway for a number that one day says XXXX XXXX and another day it says Wireless Caller same people, who sound like they are from XXXX. The people speaking have a XXXX accent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX EMAIL : XXXX XXXX Tue XX/XX/2018, XXXX XXXX  XXXX ; Join to Our Program XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( address ) XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX
I got a mortgage through  XXXX .  XXXX  purchased it. In  XXXX , I made a payment via the phone, like I had every other month. A few weeks later, I realized the amount had not been deducted from my bank account. I called to find out why. They did not have record of my payment. I made  two p ayments at that time.     I now have a 30 day late payment on my credit report, and it made m y credit score fa ll by  XXXX  points.     That late payment is literally the only late payment in the entire history of my credit report.
I purchased my property through a sheriff sale on XXXX XXXX, 2015 in XXXX XXXX, CA. Cashier 's check was provided to the sheriff 's office for all the outstanding liens and obligations. The sheriff recorded and transferred the property to me on XXXX XXXX, 2015. Around XXXX XXXX, 2015, I received a notice of default from Ocwen Loan Servicing , LLC . The notice informed me of Ocwen 's intention to proceed with the foreclosure of the property. It took 2 months of me trying to establish communication with Ocwen and {$35000.00} in legal fees to finally realize the basis for their claim. Ocwen argued that they had not received payments. The original loan amount paid off by the sheriff 's office to Ocwen was {$250000.00}. Ocwen was now demanding and additional {$44000.00} to stop the foreclosure. Upon subpoena of sheriff 's record, it was found that the payment for the exact amount of loan was mailed out to the address provided by Ocwen promptly after the completion of the sale. Ocwen refused cooperation and the investigation into what happened with the check. Furthermore, Ocwen tried to quash the subpoena for their internal records to clarify the mystery of the lost check. In a court appearance on XXXX XXXX, 2015, the judge 's interim decision was that Ocwen needed to stop the foreclosure proceeding, fill out and sign under oath, a statement indicating that they had not received the check. This statement needed to be forwarded to the sheriff 's office before another check could be reissued. Ocwen did not forward the signed letter to sheriff 's office until XXXX XXXX, 2015. After 6 months of deliberate delays by Ocwen, now that they have the reissued check, they are asking us to pay an additional {$13000.00}. or face foreclosure. The attorney for Ocwen knows that challenging their outrageous demand, will cost the consumer much more in legal fees. Therefore, the helpless consumer will most probably choose to pay the unjust fees than to go through a costly legal battle and/or face foreclosure. Ocwen has created a cloud on my title. Ocwen 's lack of cooperation, excessive and deliberate delays, as well as their reluctance to resolve this matter is due to their policy of adding up costs and fees for the consumer. They do not conduct their business in an ethical and honest manner.
XXXX XXXX XXXX, reporting on my credit report account number ending in XXXX is reporting a late delinquency on XXXX of 2016 through XXXX of 2016, which is inaccurate, and only experian is the one who is reporting this inaccuracy, i have tries to dispute through them but they are not being helpful at all, i am attaching the creditors letter to this complaint, which i have also provided to experian. please have this removed from experians reporting. thank you for your cooperation
I have contacted Nelnet on more than one occasion about the amount they are reporting on my credit report and trying to collect from me. The amount of over {$12000.00} is incorrect. They received to loans from XXXX XXXX XXXX loan services in XX/XX/2018. At that point I have already made payments of XXXX ( {$1600.00} to collection fees, {$270.00} to interest and {$9900.00} to principal ). Every time I call, they ( Nelnet ) states there's nothing they can do to call XXXX XXXX. I call XXXX XXXX they tell me to call NelNet. However, I did receive a detailed payment history from XXXX XXXX ( the original collection agency ). When I spoke with someone at Nelnet ( multiple times ) and told them that I had it and could send it over they ( Nelnet ) still stated to call XXXX XXXX, who told me call Nelnet again. Not only is Nelnet trying to collect an inaccurate amount but also, they are charging interest rates to an extremely higher than accurate amount This is stressful and damaging to my credit report and worthiness. I am unable to get a home loan for my family we desperately need or even a bigger vehicle since my family has double with the birth of my XXXX. I am aware the one or both companies or in violation of " The Fair Credit Reporting Act " and " The Fair Debt Collection Practices Act ". I am feeling trapped and needs help.
creditor : BANKRUPTCY : DISCHARGED CH-XXXX/////THIS IS MY FATHERS AND ITS ON MY REPORT CASE # XXXX   creditor : XXXX XXXX XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX account # XXXX  balance:XXXX creditor : XXXX XXXX XXXX XXXX account # XXXX   creditor : XXXX XXXX XXXX/XXXX  account # XXXX   balance : XXXX creditor : XXXX XXXX XXXX/XXXX account # XXXX  balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX creditor : XXXX XXXX   XXXX  account # XXXX creditor : XXXX XXXX XXXX account # XXXX  creditor : XXXX XXXX XXXX account # XXXX balance:XXXX creditor : XXXX XXXX XXXX account # XXXX  balance : XXXX   creditor : XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX/XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX The following are not my address or ever lived there i think this is whats attaching me to my father ; XXXX XXXX XXXX , XXXX XXXX, GA.XXXX XXXX XXXX XXXX XXXX , GA. XXXX  XXXX XXXX XXXX XXXX, GA. XXXX THE FOLLOWING INQUIRING ARE UNAUTHORIZED : XXXX XXXX XXXX   CREDIT CAEDS MISCELLANEOUS REPTG. AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX used wester union online services to transfer XXXX $ to my overseas bank account with XXXX bank XXXX. I did the transaction on XXXX XXXX 2015. The money has not reached my bank account in XXXX till now. I have already escalated this issue with Western Union on XXXX XXXX 2015. 
Since then i have been calling western union customer care and they have always given false status and have been transferring my call to various departments, they have also told me that money will be refunded to my account but have not refunded till now. 
I have been harrased by there operators for hours during the call. They even hang up on me various times and have kept transferring my call to various departments who have no clue about the issue. Till today alsowhen i called them they told me that it has been transferred and when i reported its not there then they told me that they will have to escalate the issue and it will take XXXX business days.They are not even telling me the status and holding up my money. 

Please find the transaction details : western union online id : XXXXXXXXXXXX number ( MTCN ) : XXXX I am attaching the statement of XXXX bank for XXXX which shows that money has not been transferred till now. The statement is password protected and the password to open is : XXXX.
I have mailed many letters! after about XXXX certified letters the collection agency did removed the negative items from my XXXX and XXXX! 
But CMRE refusal to remove the negative items off my XXXX and ceased all communication!
XXXX is my dispute to Hire Right Solutions. The agency is falsely reporting any thing that they said I have done.I was accused of 3 accidents in 1 day in a commercial vehicle. They have removed many things that was first reported inaccurately and they have not asked what was required required by federal law. F.M.C.S.A. the items that they needed to fully prove me innocent. 
. 1, I was at first accused that there was in fact a XXXX. REPORTABLE ACCIDENT and  there was not. 
2, A XXXX XXXX XXXX by law should of been done or required as a result of any accidents resulting from a commercial vehicle. There was none. 
3, There is no proof I was driving that vehicle. 

But they have not removed all of the wrong information to show innocence of these accusations, if Hire Right was performing a true investigation. There was not. 
There just had to be by FEDERAL LAW THE REQUIREMENT OF XXXX XXXX AFTER THESE ALLEGED ACCIDENTS BUT THERE WAS NOT ANY.
EVERY Month I get locked out of my account online. EVERY month I have to call customer service, EVERY month I am told I have to wait XXXX hours to unlock my account and change my password. EVERY month I change my password and again get locked out of my account. Customer Service is NO HELP AT ALL.
The collection agency ( Americollect ) was called and payment arrangements were made. 50 % now ( was back on XX/XX/XXXX in the first call ), 50 % next payment. Collection agency agreed to send balance bill. The XX/XX/XXXX payment made over the phone was not credited until XX/XX/XXXX -- 12 days to credit it. No balance bill EVER sent or received ( they agreed in a recorded call by them, that they never sent out the balance bill which was agreed ). Yesterday they filed " collection/derogatory '' on my credit reports. I found out today when I CALLED THEM to pay the balance. UNFAIR! The balance is now fully paid, the debt is satisfied.
Equifax had a huge security breach that has now put all of my personal information at risk. They were aware this breach happened in XXXX 2017 and I was not notified personally that my information was at risk. Instead I had to find out in reports in XXXX 2017 that there was a breach, and take actions to protect myself. In order to due so I had to PAY money to have my credit frozen. To the same company that lost my information due to security negligence.
I took out a private loan with  XXXX   XXXX  in  XXXX . It is now serviced by Navient. I am struggling to find a job and also a mother of  XXXX  kids with another on the way. I am having difficulty paying most all of my bills at the moment and my family and I have been homeless since  XXXX  of  XXXX . Navient calls me several times a week from various phone numbers. I have asked for leniency and also for some kind of income driven payment plan. All they offer me is for me to pay {$50.00} forbearance that will bring my account current but no other option s. Two days go t he representative threatened to garnish my bank account and paycheck and then asked me to ask my father to pay for my loan. He even mentioned my dad by first name. I am unable to pay this loan at the time and the only option I have is to default.
ERC has reported the account was opened XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX, I sent numerous letters to each credit bureau requesting accounts be validated and verified by sending pertinent information to identify my information. ERC was removed from my credit report, now it has reappeared. 

This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for financial assistance which was highly embarrassing and has negatively impacted my lifestyle. 

CREDITOR AGENCY - XXXX XXXX XXXX A/K/A XXXX XXXX XXXX Please delete the above information as quickly as possible.