WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a payday loan from a company called Castle Payday. The deposited {$1300.00} into my account on XXXX/XXXX/2014. Then then withdrew and average of {$330.00} per payment on each of my paydays between the dates of XXXX/XXXX/2014 and XXXX/XXXX/2014. The total amount paid equaled {$3000.00}. Per the my account page on their website I still owe {$1500.00}.
Experian and XXXX XXXX XXXX removed this item from my credit report. Legally they have to keep off my credit report which both have not. This debt has not been verified.
had a student loan from sallie mae around XX/XX/XXXX-XX/XX/XXXX. i was in car accident and not able to pay off. eventually i went back to work and filed tax return and IRS had deducted balance owed to student load from ta return and was paid in full. debt was still given to XXXX XXXX and they are trying to collect on a debt that has been satisfied as well as exceeding the statue of limitations for both XXXX and XXXX whee i currently reside. there has never been a payment sent to them to " reset '' the debt collection process. i have asked them to stop and explained to them that its been paid, but they refused to hear my side and insists that i give them a credit card number to make payments.
Thank you for your time. Everything that Bank of America was charged  with they did to us.forged signitures.no title deed on house.making payments to insurance companies we had no idea about.lied to the court about the deed.Even have them on tape admitting that they messed up.I am fed up with companies using the Va  to make them money. Why? My husband was at the XXXX line. He lived in the XXXX that Bill Clinton called the most scary place he has visited. My husband had to live there. Bullets whizzing by his head. To be cheated by a company that he had to fight for in order for them to grow. But to use XXXX 's to make money. I have proof of every thing they did to us.After going threw XXXX sales, they went out of state, found a realiter that belived them to be working for Va. We lost our home. And can prove that we were paid up.This was so dishonest. And in the end send us a letter saying they they forgave the loan.We need help, and the state of Delaware is to scared to help us. Because to them BOA is a good company for the state.I am sick of XXXX XXXX saying about being a vet.But refuse to help one with proof. Yes we need help. XXXX XXXX XXXX
I made a wire transfer payment for services to a business in XXXX. Request was made to not to convert and make the payment in XXXX $ only. However, the business in XXXX received payment in local currency. When asked, BofA Wire transfer department confirm that my instructions are to not to convert the currency ; intermediate bank may have converted and asked me to inform the business in XXXX not to touch the money - so that they will help to get the money back and then I can make a XXXX payment again. They money was then taken back from the business but now BofA says they are not sure where the money is and that the intermediate bank is not responding. It has been over a month since the original wire transfer request was initiated and I am concerned a ). for my money and b ). that the business in XXXX needs the payment they may have other penalties and tax implications on their side. c ). I am not getting any answers from BofA, and moreover lastly, d ). now my local BofA rep says I will be charged fees for conversions and back as well as the applicable conversion rates for conversion, even though the banks are at fault. I need help to get ( i ) to recover all my money and ( XXXX ) to find the reasons who is at fault and ( XXXX ) that others do not have to go through this kind of problems. 
Thanks
In XXXX we established a HELOC with Washington Mutual, for {$55000.00}. We increased this line in XXXX to {$110000.00}. WAMU was subsequently purchased by Chase. In XX/XX/XXXX, we refinanced the HELOC and paid Chase in full. Last month, we were attempting to refinance the new mortgage with our current bank, and the title company determined that a reconveyance was not properly filed by Chase. They filed one for the XXXX original line, but not for the XXXX increase. We are doing this 2nd refinance to free up cash to pay off costly revolving debt, and the delay ( which has been two weeks now ) is costing us hundreds of dollars in additional interest. The main issue here is their response to this issue. We have contacted Chase many times - the title company has called and e-mailed them at least 6 times, and I have called or emailed 10 times ), and we keep getting an apology that they are " diligently working on the issue ''. They also said it takes 7-10 business days to research the issue, and we are now at Day 11. Their incompetence, coupled with the lack of urgency in this matter, has caused substantial stress on our end. I also know that improper reconveyance processing has been a large problem in the industry. Loan number XXXX, payoff XX/XX/XXXX for {$110000.00}.
I requested in writing for Selene Finance LP to provide me with the the " input values '' and review the Net Present Value analysis/model used in making the calculations for the " NPV Test '' along with the date the process was completed in writing according to HAMP guidelines and Selene 's in house modification programs. I have right to a copy of the property valuation report. I also requested in writing for a copy of the pooling and servicing agreement, investor guidelines and the name/entity of the investor for the loan. 
I was never provided with anything from Selene Finance LP in accordance with PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).
Hunter Warfield continues to make repeated calls asking for someone who does not live at my residence. They have been told that that person does not live here but they continue to call and leave messages. I have tried calling them to speak to someone but no one answers.
Hi. I wanted to know how to file a complaint about credit inquiries on my Transunion account that. They were removed and then put back on without any notice. From my knowledge, I should have been aware of such circumstances and would like them to be removed again like they were supposed to be. I tried contacting Transunion about this dispute but did not receive any assistance. I would just like all the inquiries removed from my account. 

Please find the inquiries at the bottom of the official credit report uploaded.
I have received several calls in the past XXXX weeks from a debt collection company call Diversified Consultants Inc. XXXX XXXX. I was contacted concerning a {$340.00} debt in XX/XX/XXXX with XXXX. I was told that the debt was given to Diversified Consultants Inc. by XXXX ( another debt collections agency ) on XX/XX/XXXX. I was also told " XXXX did n't have a phone number to XXXX but I can XXXX them ''. XXXX of the people I talked with at Diversified Consultant XXXX was XXXX. XXXX demanded that I either " pay my debt or dispute it ''. I explained several times to XXXX that I already disputed the bill and it was removed from my credit a few years ago because in XX/XX/XXXX XXXX was charging their bills in advance without notifying us as customers. I requested that I be transferred XXXX to ensure this wo n't be an issues going forward since its been 11 years but, was refused my request. I did google XXXX and found their phone number XXXX. I talked to an operator who then transferred me to someone in " consumer credit '' named XXXX. XXXX did n't know how to help me either and ended transferring me back to Diversified without any solution to my concern.
I made every attempt to contact XXXX XXXX XXXX with no response. I responded to one letter they sent me stating they are trying to collect on an invalid debt with no response from them. I have even written a letter to their attorney explaining the situation with no response from them either. The debt they claim I owe is completely invalid and will not be paid to them under any circumstances.
I unfortunately did not find a good paying job after graduation. As I anticipated having to repay back my loans, XXXXNavient wanted me to repay back a ridiculous monthly payment that I simply could not afford. I would offer a lower payment that I could afford and they would refuse and tell me I could just go on a forbearance and/or deferment. If I had know then that I could do an income based repayment plan rather than accepting the forbearance and/or deferment each time I would not have accrued as much interest over time. I kept telling them I can pay something and they would not accept it. 
They said I could pay whatever I wanted, but I would still be on the deferment and/or forbearance. If only I had more options 10 years ago. 
I went back to school again to try to get a better job and after years of school and accrued interest I wo n't even begin to make a dent in my payment. I luckily am now on an income-based repayment plan just wish I had n't been pushed into forbearance and/or deferment as the only option for help.
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements
For like the fifth ( or sixth? or maybe tenth ) time now, a late fee has been assessed after my bank initiated an electronic bill pay on or before the due date. As is now the case, Bank Bill Pay or mailing a payment are the only methods available to pay the bill, as bill pay outlets ( That XXXX XXXX says is a payment option ) can not find " XXXX XXXX '' or " XXXX XXXX '' in the XXXX XXXX or XXXX XXXX, and eCheck drafting on XXXX XXXX ' website has since been removed long ago.
I had a positive balance of  XXXX  cents on my Citi card  XXXX    XXXX  .  Three months later, Citi took  that away and shows a record on my statement : " BALANCE REMOVED DUE TO INACTIVITY ''.     I was very surprised to see this record so I called customer service and was told that it is what the record said.  Citi too k that  XXXX  cents away if I do n't use my card for three months.     What kind of policy is this? Should I have been informed of such forfeit and given choices before they actually took this positive balance?
I disputed the debt in writing with the company once it appeared on my credit report. I previously had not heard anything about the bill. I found when they send me a copy, that the hospital failed to bill my insurance and also had incorrect address information in their system. The hospital has since admitted fault and has written off their portion. TSI has closed the account based on my communication, but it still remains on my credit report, which is effecting my credit score by more than 100 points.
On XXXX XXXX, Finance of America pulled my credit without my consent or authorization. They only reason I knew was because I got an alert through my credit monitoring company. 

I do currently have a mortgage with them and never been late, but how can they just pull my credit at anytime without telling me?
XXXX, XXXX, Experian : While I opted into use these services ( by way of signing up for credit lines ), I really had no choice. There has now been a data breach caused by their ineptitude, where my details are now for sale on the XXXX market, and yet I am expected to PAY to freeze my credit and protect myself. 

I could not reasonably avoid sharing my data with these companies, but I 'm expected to pay to protect the data they took from me and lost?
XXXX XX/XX/2017 a collection appeared on my report. its not mines.
I am not aware of this account. I visited XXXX many many years ago and did n't owe them anything. Please remove this from my credit.
I received a promotional offer with no interest or transfer fees, etc for a year upon opening of my account. However, I have been charged XXXX in fees and {$440.00} in interest YTD and despite efforts to have them credited, have not been successful. 

I was told I should have called in advance to get a better explanation of the cash advance terms as they prefer that we call before using. As a new card member, I find this to be deceptive advertising and request that the interest and fees be removed.
XXXX  did not give me results online as indicated it would.   Then it said I had gotten my results for the free reports, which I have n't. Then it said see you next year.   The contact form just accepts a comment, does n't take your phone number or email address for resolution.
I was notified by Hunter Warfield through a posting of my credit report, on XX/XX/XXXX regarding an alleged debt for XXXX XXXX XXXX XXXX XXXX. I moved from these apartments ( after the lease ended & with 60 day notice ) XX/XX/XXXX.  Upon moving a walk through was done and the last month of rent was paid for market rent, due to management lying stating we did not give them notice ( which we didn't have to because our lease was complete and we were not going to renew ), we paid and moved. A walk through was complete with no incidentals, we cleaned the apartment and it was shampooed before we moved out. Now, XX/XX/XXXX Hunter Warfield posts a collection on my credit report stating we owe {$320.00}. I sent a certified letter ( that was received and signed for on XX/XX/XXXX @ XXXX to front desk/receptionist. I have yet to hear from anyone and I want this removed off of my credit report. It is a false claim from the apartment complex and I will file a lawsuit if I have to.
I brought a XXXX XXXX airline ticket using my American express credit card for my dad. on the departure day, we went to the airport so my dad can take his flight. but the airline refused to issue him a boarding pass and never let him take the flight. so he could not use his tickets. I reached out to American express to resolve the dispute and get my money back. American express asked me to provide a written explanation of event and what happened. I provided the written letter 3 times now to the American express but every time, American express close my case without resolving it telling me that I never provided the written letter. every time I upload the docs to American express site, I reach out to American express and verified that they did received my letter. now after 4 months, the issue has still not been resolved and I am being billed again.
ERC has continued to contact me regarding a XXXX IPhone that was returned to XXXX when my husband and I decided to combine cell phone plans. We have informed ERC twice about this issue and asked them to verify with XXXX that the phone was returned to them. XXXX has never sent us a statement regarding the cell phone and we are currently XXXX customers now and if we owed a balance then XXXX would have informed us before service could be established. My husband contacted ERC on my behalf to obtain dispute information on XX/XX/2017 at XXXX. He spoke with XXXX who refused to provide her employer identification number for a reference and also failed to provide any dispute information also.
This debt is invalid ... either it was already paid or it is far beyond the statute of limitations and yet they continue to send us letters trying to collect a debt that they are well aware is too old to collect. There is a disclaimer statement in the letter itself, but they are trying to trick us to renew the debt and I still see this letter as unethical and harassing. I have no idea how they even got my information.
I submitted multiple disputes with Experian regarding acct identifier : XXXX. This acct was closed in XXXX and was Paid in Full on XXXX. With every dispute the status of the acct got worse culminating in XXXX when this fully paid and closed acct showed up with an Open - Collection status which caused me to be denied for credit by XXXX ( inquiry on XXXX XXXX, XXXX ) due to " recent or current delinquency ''. Experian finally corrected the status of the acct to Paid, Closed but NOT the Payment History where it shows a " C '' mark for XXXX meaning the account is still in collection. This is contrary to the acct status of paid, closed. I called XXXX XXXX who insisted they report correctly. As it stands now, I ca n't even file an online dispute with Experian. I do n't know the reason and it is not stated when they reject me from filing a dispute. I also called Experian who blamed it on XXXX. I filed XXXX complaint XXXX against XXXX XXXX who responded on XXXX XXXX XXXX with a letter ( attached here ). Based on this letter it is clear that Experian is at fault for willful negligence in not removing the Collection mark for the month of XXXX.
The bill belongs to XXXX and I have been telling them this for the past two years now and after I show prove they removed one bill and sent me a letter saying that it was removed then they but it right back on my credit report and it 's not even my bill!
GM Financial is assessing a monthly {$86.00} fee for not making my payment within 11 days of its due date. However, it is not 30 days late. When I contacted XXXX, they insisted that in lieu of reporting my less than 30 days late account to the credit agency, they were going to assess a late fee.
1. I applied XXXX XXXX platinum card and got approved on XXXX XXXX ; XXXX Ref : XXXX 2. I received new card and started using a card. 

3. My card was being declined on XXXX XXXX. 

4. On XXXX XXXX, I called XXXX security/fraud department number and was told that I will get a call with reference number. Once I have a reference number, I was asked to call back XXXX security/fraud department to verify the account. 

5. I did n't get a call with reference number and called back XXXX security/fraud department again on XXXX XXXX. 

6. I clarified my account and all activity and was told that I can use my card again. 

7. However, my card was still declining. 

8. I called XXXX security/fraud department again. I was told that security/fraud department canceled my account. 

9. On XXXX XXXX, I was told by XXXX customer service supervisor, XXXX, that my account is still active but no new activity can be posted due to security/fraud department action. Only way to reactive my account is closed the account and apply new one. 

I am filing this complaint against XXXX XXXX XXXX for following reasons 1. My account is still active but XXXX does n't allow any new activity. 

2. XXXX does n't allow me to use my card when I verified all my identity/activity since their security/fraud department canceled my account. On XXXX XXXX call, XXXX security/fraud department supervisor acknowledged that this cancellation was their fault. 

3. I am filing complaint against XXXX for their racial discrimination. My wife applied same card and used card for all same purchase I made. However her account was never frozen. Her last name is XXXX ' which does n't imply her XXXX XXXX. I suspect that XXXX security/fraud department selectively chosen my account since my last name implies that I am an XXXX. 

XXXX. I am being told only way for me to use XXXX Platinum product is canceled my current account and apply again. However, my current account has very attractive sign-up bonus offer which was noted in XXXX terms and conditions. XXXX is forcing me to apply to new account which offers much less sign-up bonus offer. I am suspecting that XXXX is doing this since they does n't want to honor originally offered terms and conditions.
I have a Federal tax lien that was released, reporting on XXXX and Transunion. According to everything I have read on the laws, released tax liens must be removed within 7 years of the filing date. I have disputed this with the bureaus, as the filing date was more than 10 years ago. XXXX removed it. XXXX and Trans Union have neglected to investigate it properly and remove it. The credit bureaus keep violating my rights as a consumer to have fair and accurate credit reporting.
I received a credit collection notice in XX/XX/2018, it was for someone of a different name in a different state. I called them and told them it was sent in error, they did nothing. I disputed this with XXXX  and they said it was valid.
I received a call when I was at work at XXXX on Monday, XXXX XXXX from XXXX. She introduced herself as a debt collector calling w/Fidelity to obtain a debt. She informed it will be recorded. She than informed me I had a bill for {$53.00} from XXXX but it has not yet been reported to the Credit Agency. I told her I am so sorry ( as I thought it was covered by my insurance ) and that I am more than happy to pay this Friday, XX/XX/XXXX and can she please send a letter and/or email confirming it will not reflect on my credit report at all. She said she does n't have any way to do that, I asked if her manager can please send me an email. She placed me on hold than placed XXXX XXXX XXXX on the phone. He was extremely rude and continued to over talk me and say no one can do this. I asked if I can possibly speak with or get contact information from his manager as I was working with a lender who informed me to do this specifically. Finally after I stated I have no problem paying I just want something affirming it will not be on my credit report and can you please give me an email or contact number for your manager. He said you can speak w/him directly and when I asked again for his direct number ( to ensure he was not a co-worker and an actual manager ) he ignored my request and transferred me to a gentlemen. I started speaking w/him and after about 10 seconds and no response from him I looked at my phone and they disconnected the call. I tried calling back twice and it just rings, no way to contact them. I still have no way of paying this as I have searched for Fidelity and there are many. Please assist as soon as possible, I am also in the process of contacting XXXX. 
Thank you!
The XXXX XXXX account was disputed, and Experian shows a cut off deletion date of XXXX XXXX. XXXX XXXX shows a cut off deletion date of XXXX XXXX. The account went into default in XXXX, and XXXX XXXX extended the 7-year rule timeline illegally. The Federal Trade Commission has in the past fined XXXX XXXX for timeline re-aging issues, and this account is no different. Accordingly, I believe Experian did a poor job in its reinvestigation, and that they should remove the item immediately and permanently. Attached is the necessary documentation required to stipulate my position that the XXXX rule applies.
I have a mortgage now with Ditech and made use of the bi-weekly service. In XXXX I opted out due to being on strike in fear that I may miss a payment, proud to say I did n't miss a payment. The mortgage payment I had paid in advance I found out the Rep applied to my principal without my knowledge. They explained they would apply it to my XXXX mortgage. It still has not been done. I am very worried about this situation.