WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last XXXX or so dollars was turned back over to the State through the Alaska XXXX XXXX XXXX XXXX XXXX to satisfy the remanding balance of the loan. The Alaska XXXX XXXX XXXX XXXX sent me a letter verifying the debt had been paid. The XXXX XXXX I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska XXXX XXXX XXXX XXXX regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient P.O. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska XXXX XXXX XXXX XXXX stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney XXXX XXXX, and Federal Trade Commission.
I am not sure exactly what may have caused myself to have a hard time getting a background check or creating a credit karma account to keep track of my credit scores. I got married 5 years ago and have changed my maiden name to my married name on both social security card and passport. In the past couple of years that I have applied for employment, for some reason, the employers could not pull up and files on me for a background check. And now that I 'm trying to create an account with credit karma, it seems that the information I have provided them was invalid. I have tried both my maiden name and married name but nothing came up. Please, any help would be appreciated!
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
a. We received a letter dated XX/XX/2018 indicating that PNC was changing our account number with the new enhancements that were being completed on their computer systems. ( XXXX  XXXX ) b. Received letter on XX/XX/2018, XX/XX/2018 and XX/XX/2018 that our payments were past due. 

c. Each time my wife or I contacted PNC and talked with various customer service representatives regarding this issue. We indicated on each occasion that our payments were on time, processed and verified by our local credit union. Payments were made electronically and documented since receipt of the XXXX letter. 

d. Again I called PNC after receiving their latest letter dated XX/XX/2018. Spoke to ( 2 ) customer service representatives and indicated that payment was made and I was in possession of documentation from my credit union that indicated that once again they had received all payments. The first Rep was XXXX XXXX and the second was Supervisor XXXX XXXX. Mr . XXXX indicated they was assign a case manager that would get in touch with us via a cell phone number that was provided. As of the date of this complaint wer have not heard from PNC.. To date no response from PNC. 

e. Attachments provided that clearly indicated that PNC has received all payments in a very timely manner. Payments are not getting credited for weeks and in some cases over a month. Consequently, we continue to receive letters indicating payments are past due. 

We very much appreciate you assistance in this matter. It appears that no matter how many times, we call, or take time to go to our bank and provide payment information it continues to occur.
I have contacted Sallie Mae and my mother about XXXX times trying to get my payments down so I can afford them. They have repeatedly told me that they could not, I told them how much I make and I started work over two months ago they were nasty and told me to get another job. I know I must pay but I can not XXXX a month I only bring home XXXX bi-weekly.i have other students loans that I must pay. Plus car insurance phone bill health insurance I do n't work 40 hrs a week most times.
I'm a victim of identity theft someone got my information and opened up lot of accounts in my name without my knowing. XXXX XXXX account ending XXXX, XXXX account ending XXXX, XXXX 's account ending XXXX, XXXX  XXXX account ending XXXX, XXXX  XXXX account ending XXXX, XXXX account ending XXXX I'm not responsible to this
It 's been more than 7 years my ex did allot of damages to my XXXX score. Never filed bankrupt and they keep changing dates, amount due and selling off to another debt collector. Is this legal. It 's been more than 7 years.
XXXX, XXXX, FL. 

I contacted Advance America before my loan was due. They referred to to a program for credit counseling which I attended, but the paper work was never faxed to them. I called them and told them I would be entering into a payment plan with the credit counseling agency, and asked them not to take money out of my bank account. They told me they do not take money out of bank accounts. I am really upset about it all.
XXXX has totally XXXX my credit up putting on stuff that is not mine ruined my credit this has taken 120 days and still not fixed after ftc and fcra sent over with police report
There is a bankruptcy in my file, I have reached out to the XXXX XXXX XXXX XXXX XXXXor validation of which they do not offer. Per FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not validate the information with the originator, they must remove said information from the consumer credit file. Letters were sent to XXXX and Equifax on XXXX/XXXX/2017 with a copy of letter from XXXX XXXX XXXX XXXX stating they do not report to credit reporting agencies. Please see attachments
During XXXX shopping, I bought bean bag chairs from XXXX. During the checkout process, I was asked to open a store credit card. I declined and entered my credit card information. Without my permission, XXXX used my credit card account to open a store credit card with XXXX XXXX and then charged my purchase to that account. Well within the return period, we sent back the bean bag chairs and requested a refund. Instead of refunding the money to the credit account XXXX illegally opened for me, they issued a store credit. When I found out what was going on, I had XXXX apply to the refund to the XXXX account and requested that XXXX close the account. I complained to both XXXX and XXXX about the illegal account opening. I was told that the account was closed and paid in full. Now, XXXX is harassing me and charging me ridiculous late fees on the account I never opened. They said I owed {$32.00} ( or something near that amount ) for their trouble in opening an account I never requested be open. They list it as late fees and are continuing to charge me. The amount is simply absurd now, somewhere over {$300.00}. Again ... I NEVER OPENED AN ACCOUT WITH THEM. So ... how can they continue to charge late fees, call my employer, make negative credit reports and essentially work to ruin my life when they are the people who opened an account, WITHOUT MY PERMISSION!!???
I inquired about whether my credit was good enough for a pre-approval on a mortgage.I emphasized to the lender ; I can not afford a hard pull. However the lender ; under " United One Resources ;. This is showing as an inquiry on XXXX  ; XXXX and XXXX.
Nationstar Mortgage Company applied our XX/XX/XXXX mortgage payment to escrow. In the XX/XX/XXXX mortgage statement dated XXXX/XXXX/XXXX, Nationstar charged us a late fee of {$110.00}. I called them on XXXX/XXXX/XXXX to notify them that my XX/XX/XXXX payment is not late. Nationstar representative researched and found that my payment was applied to escrow and she said she will correct the mistake and also stated it will reverse the late fee. However, Nationstar reported my account as 30 days late to the credit bureaus.
Hi, I paid both collection under my equifax account, even though, they both shown as open.
Equifax began reporting a judgment on my credit report XX/XX/2015. I disputed this and received a copy of an unsigned unfiled judgment. An unsigned unfiled judgment is not a legally binding judgment. Equifax states that I did not respond within the 30 day period but this is incorrect as I was not notified by Equifax of the need to respond. 

I am continuing to dispute this judgment on my credit report. Please provide me with a copy of a judgment signed by a judge with an actual court filing date listed on it or remove this judgment from my credit report immediately. Prove this judgment is what you say it is or remove it. 

I have attached a copy of the purported judgement. It bears no judicial signature, no filing date, and there is no indication who signed it or otherwise. Please provide a copy of the legal document you are reporting or remove it.
Applied for XXXX which Chase Bank confirmed to me I was eligible TWICE ( XX/XX/XXXX, XX/XX/XXXX ) before applying on XX/XX/XXXX. 

After making the {$50.00} charge I called Chase to ENSURE no problems! 

Buying XXXX allows XXXX and into XXXX and SAVES CHASE {$50.00}!!!!!!!! Chase is saved MONEY and NOW denies my a benefit that I had confirmed was ELIGIBLE!!!! 

Representative DENIED me coverage ... ... .UNETHICAL and UNPROFESSIONAL as CHASE he instructed me never documented my calls NOR was HE until I demanded my complaint be escalated to Chase Presidential Escalations. 

Chase representative REFUSED to cooperate on sending Presidential Escalation my complaint - Chase BULLIES customers!!! 

Representative REFUSED to forward a complaint to Chase Presidential escalation forcing an complaint to CFPB. 


Chase Saphire Reserve Direct Line customer service reps are incompetent about Saphire Rewards benefits and have NOW LIED to me with different feedback even though I had pre-checked! 


Dishonest, unprofessional and unethical treatment by CHASE Bank!!!
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX After one year, after two incidents of identity theft/fraud, unemployment, and a financial crisis, I was unable to maintain a excellent credit ratingwith XXXXXXXX XXXX XXXX. I informed XXXX XXXXXXXX XXXX and sent XXXXXXXX XXXX XXXX XXXXXXXX a letter in XXXX, XXXX and I received a response letter from XXXX on XX/XX/XXXX which was unacceptable. XXXXXXXX XXXX response to my letter to close my credit account had no regard to the identity theft/fraud which occurred on my account ( began XX/XX/XXXX ) after I had pre-scheduled payments to settle/payoff my XXXX credit card. 

More importantly, I have tried through numerous phone calls to Department Store XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX to pay-off/close the XXXX credit card account by requesting another settlement offer in lieu of the previous settlement offer that failed, no fault of my own. NO RESOLUTION. 

Further, I am a XXXX senior citizen on a fixed monthly income, I requested if XXXX would consider another settlement offer of less than the full balance, excluding interest and fees that had been charged to my credit card account. Listed below are the complaints I filed with the New York XXXX XXXX XXXX which has been unsuccessful in resolving this matter. I have not spoken with the New York XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York XXXX, Telephone : ( XXXX ) XXXX, XXXX since I filed the complaints. I have received these email correspondence from XXXX XXXX. I can forward/fax a copy of these emails separately ( provide me your email/fax number ) because I am not able to upload these emails as attachments to include in my complaint. 

Dates : Time : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Because of this exisiting delinquent XXXX credit account with no resolution to settle it, my excellent credit report ratings ( opening the account XXXX ) and Fica scores from all three bureaus XXXX, XXXX, and XXXX are extremely poor ... .continuous XXXX unfit for me to apply/receive future credit.
XXXX XX/XX/2018 I traded in phones from XXXX XXXX to XXXX  XXXX in order to switch my services to XXXX. Now, I have debt collection on my credit report that is not accurate and is in the amount of {$2100.00}. The equipment was in the hands of XXXX  as is stated XXXX XX/XX/2018 which is when I switched service providers for my wireless phone service. I have attached correspondence from XXXX and communications with the collections companies.
Okay, over the past several months I have been corresponding with " LexisNexis Credit Reporting Bureau '', Trying to get them to delete a Bankruptcy charge off my report.

This company is a Third Party that sell information to other credit reporting Bureau which is against the law. I have copies of all three different Credit reporting agency Last credit reports. One XXXX Reporting Act shows a correction vs the other two.
I question Navient 's ability to handle payments. I made a one time {$500.00} payment on  XXXX   XXXX    XXXX   via my account website on Navient, and the payment was lost. When I spoke with Navient agent, although they were nice, the stated that the payment was lost, or not connected to my account for some reason, and they would work on fixing it for 16 days. I asked how this would be avoided in the future, and the agent was unable to answer the question. I paid online via my account page! How on earth could the payment have been disconnected from my account? I am so frustrated, and I do not feel that Navient takes ownership of this issue, despite the fact that I am a customer paying THOUSANDS to this company in interest. Where is the accountability?
XXXX XXXX XXXX XXXX is a fraudulent account. 
XXXX XXXX is a fraudulent account XXXX XXXX is a fraudulent account.
My mortgage was sold by XXXX to Ditech in XX/XX/2016. The last mortgage payment I made to XXXX was never transferred to Ditech, so as soon as my account transferred I was considered " late ''. I called and wrote Ditech to no avail. I ended up making double mortgage payments for XX/XX/XXXX in an attempt to stop them showing I was late in paying my mortgage. It has been over a year and I thouight they had finally cleared this up, but just looked at a current statement and it shows accumulating late fees. THE PAPERWORK I RECEIVED WHEN MY MORTGAGE WAS TRANSFERRED TO DITECH INDICATED THAT THEY WOULD NOT CHARGE LATE FEES FOR 60 DAYS AFTER A MORTGAGE WAS TRANSFERRED TO THEM. They have committed fraud because they did not honor this agreement. 
I have NEVER knowingly paid anything late in my entire life. My credit score is over XXXX. Why can they not clear up their accounts and just be honest? Why did I never receive notification that they thought I still owed them a late fee?? In this situation with Ditech, I even made a double mortgage payment ( once to XXXX, and once to Ditech, which should n't even have been owed if they knew their accounting system from a hole in the ground ) to avoid a late fee, or being caused to look like a deadbeat. 
It enrages me that mortgages can be bought and sold seemingly at random and the consumer has no choice whatsoever in who services their mortgage. This is the hugest financial transaction that 99 % of us will ever have. Why ca n't it be done right? 
XXXX, I revere you. Please help with this issue. It is n't just me, but umpteem consumers that are getting shafted by this morgage servicing XXXX. 
Many thanks in advance for whatever you might be allowed to do by the current " administration ''. 
What am I asking for? : ( 1 ) Ditech removes the bogus " late fees '' from my account ( 2 ) Ditech sends me a letter of apology and an acknowledgment that what they did was in violation of their own policies ( 3 ) Ditech is put on some kind of watch list so if they continue doing this to me or any other consumer, they face harsh penalties and/or jail time for everyone in the C-suite ( 4 ) A bill is introduced to make mortgage servicing " cramming '' a federal offense punishable by massive penalties and jail time for executives
Received a phone call from the number ( XXXX ) XXXX at XXXX on XXXX/XXXX/2016. I answered knowing this number was a debt collector that I tried to reach yesterday with my confirmation number showing that I had paid my bill. Yesterday after waiting on hold for 15 minutes I hung up waiting for them to call in the morning ( which they did every morning 6 times since XXXX/XXXX/2016 ) I was greeted by someone who was clearly out of sorts and was arguing my name. I told him that my name was XXXX XXXX not XXXX, after that was cleared up I was transferred to another male. He told me the reason he was calling and I told him that I tried to call back yesterday to give them the information but was put on hold for so long that I waited for their call today. I was not yet at my office to give him the confirmation number. He went on to describe how the money could take up to 30 days to transfer to them. I told him that 's fine but he could take me off the list. This seemed to catch his attitude ( rude ) He stated with a very snide tone " no '' ending with " I hope this does n't have any affect on your credit. '' To me that seemed like a threat. I understand that they have a job to collect, however there is no need to be rude or threating. I asked him his name and extension followed by the name of his manager. He mumbled a name and the number quickly. I asked him to please repeat that. Then he wanted to know why I wanted that information? I told him I did not appreciate his tone. He then went on the defense.
Contract was cancelled " No Contract '' balance transferred and past the  Rep  orting and Statute  of  Limitation time frame.
I paid off and closed my Bank of America credit card account on XXXX/XXXX/15. The payoff was arranged through XXXX XXXX XXXX XXXX. An automatic recurring online charge of {$21.00} from my phone carrier was charged to the account XXXX/XXXX/15, a full week prior to the payoff but BoA never included this charge in the payoff and never sent a statement informing me of this charge. I received a letter dated XXXX/XXXX/15 ( arrived XXXX/XXXX/15 ) informing me of the outstanding balance plus fees bringing my new balance to {$76.00}. I spoke with a BoA supervisor XXXX XXXX who initially told me to pay the original charge of {$21.00}, which I did, and she would attempt to remove derogatory credit from my credit report as well as the fees and interest charges. I heard back from her today and she stated I was responsible for the full balance, which today stands at {$54.00}, the result of fees and interest and if I did not pay the entire amount she would not remedy my credit report. My credit history is excellent and had I received a statement my credit history shows I would have paid it off immediately. I should n't be held accountable for these exorbitant fees and charges due to BoA 's oversight in not including the original charge to the payoff amount in a timely manner.
I attempted to make a payment online and their system drew from the wrong account. They refused to make it right. Apparently, this is a common issue for them as their representative stated that they have had several complaints like mine.
I've sent a debt validation letter to this company and haven't received anything in return. This was over 45 days ago. I do not know this debt and would like to see a signed copy of the lease/contract binding me to this debt. If this company is unable to provide this, I'm requesting it be deleted ASAP.
I have two collection accounts with XXXX XXXX on my Equifax. The original creditor is XXXX XXXX. These accounts are reporting as open. A collection agency can not report as an open account with past due. I disputed this several times with no resolution other than saying the debt is valid. They are breaking the law as they are NOT a lender and can not have an open trade line. 

Second, those same two accounts are being reported by XXXX XXXX on my XXXX  even though they sold the accounts to XXXX XXXX. Imdiaulyed this as well for reporting twice for the same credit line but again, it only comes back As verified.
I had closed my service with XXXX. The representative told me to wait until the equipment fees cleared to pay my final bill. The final value is due XXXX XXXX, 2015. Sunrise Credit Agency called me stating they owned debt and demanded I pay them {$470.00}. They refused to put it in writing. They continue to call. I paid XXXX the remaining value and cleared the outstanding balance. The XXXX representative did not know who sunrise credit agency was, why they would have the account, or why they would call. She suggested I report the company for false collections.
You see we have gone from a house payment of {$1400.00} to {$4000.00} -- - with no clear or foreseeable end -- - This is only a estimate -- - offer will be given after I pay {$12000.00} ... History show I am not XXXX Stupid or CRAZY so this will not be entertained I had completed Shellpoints twice before TPP before and paid them -- -- -- then they give a new amount ( THE WHOLE DOLLARS ACCORDING TO SHELLPOINT at 11 % INTEREST ) on a new 40 year mortgage at {$4000.00} with a WHOPPER BALLOON when I am XXXX XXXX XXXX AGAIN I AM NOT XXXX STUPID OR CRAZY -- -- -- -- -- -- NEW TRIAL PAYMENT OFFER -- -- -- -- -- -- -- -- MY GROSS INCOME ALL THE MONEY IS AT {$8500.00} for three of the HIGHEST MONTHS OF INCOME XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- {$8500.00} -- -- - Then my Deduction on EXCURSIONS the CAR BUSINESS of {$850.00} per month- and the Deduction of the MORTGAGE ON MY COMMERCIAL RENTAL FOUR PLEX of {$2600.00}. That would CLEARLY LEAVE the INCOME for XXXX XXXX XXXX at {$5000.00} - with a new proposed mortgage payment of {$4000.00} WHO IN THE WORLD BEING A CREDITED FINANCIAL INSTITUTION OFFER A MORTGAGE TO A CLIENT at AT 20 % TWENTY PERCENT INCOME TO MORTGAGE PAYMENT THE LOWEST ALLOWED FEDERALLY IS 35 % - SURE THIS IS NOT A FEDERAL NOTE ITS A IN HOUSE FIANCE PROGRAM -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
I have a freeze in place, and a fraud alert. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Please block, and or delete this items. I wrote letters to have this information verified and I've gotten no response. When I called over the phone, I was told to sent a letter which I had already done but they were unable to locate it. Each rep I spoke with were from another country and we had a disconnect with verbal communication. I mailed each letter to the address listed on the web site so I had no idea of how a rep from a foreign country would be able to locate it anyway. Please respond to this attempt, I have no other options left except to pursue legal action.