WillisBack/dataset-financial-user-claim huggingface dataset:
I have American Financial Resources Inc ( AFR ). as the mortgage company, with XXXX as the servicing company. The company charged a late fee based on when the check cleared my bank. The payment is due by the XXXX of the month and was received by the bank on the XXXX. It cleared the bank on XX/XX/2015. I called and spoke to the AFR and they credited me the late fee. My regular payment is {$1700.00}. I made the payment due as indicated on the XX/XX/XXXX statement of {$1800.00} ( {$1700.00} + XXXX for late payment ). In XX/XX/XXXX the amount due was {$1600.00} per the statement which reflected the late payment credit for {$62.00}. I sent a Payment of {$1600.00}. Now in XX/XX/XXXX, AFR charged me a late fee of {$64.00} for paying the statement balance of {$1600.00} in place of the regular payment of {$1700.00}!!! I paid what the statement showed as payment due and I got charged another late fee for not sending in the regular payment. 

My Complaint : 1. Per the AFR XXXX XXXX supervisor ( XXXX XXXX ), they will charge me late fee based on when the check is cashed by them and not when the payment is due. SO if my payment is received by them on XX/XX/XXXX and clears my bank on XX/XX/XXXX, they will charge me a late fee because the cleared on XX/XX/XXXX. This is a violation of the terms of contract which state the payment receipt is due by XX/XX/XXXX. 

2. For making the payment as stated on the statement as minimum payment due, AFR charged a late fee stating the charge is due to me not sending the regular payment due. I paid what the statement asked for and still got charged a late fee for sending partial payment!! 

American Financial Resources and XXXX are making their own rules and charging fees that are not legal. Please help!!
My identity was stolen in XXXX 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX JUDGEMENT. 3. XXXX BANK. I Feel like Equifax is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights.
Hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency XXXX they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, XXXX XXXX
XXXX account number XXXX. I did purchase 2 gift cards for total of {$1000.00}. They were not loaded and the merchant refused to take them back. Chase " resolved '' my dispute by stating since I did purchase the gift cards I must pay for them. Buy if they do n't have any funds, whats the point to purchase gift cards??? XXXX XXXX
an unpaid utility bill that I can not pay ( {$310.00} ). renters in my home left this unpaid. I am XXXX and can not pay.
A closed FHA account by XXXX XXXX continues to appear as a negative account on my credit profile after I have brought this matter to the reporting bureaus ' attention. Since my initial complaints only minor discrepancies were corrected in order to avoid deletion, I assume, but the account remains inaccurate and delinquent and I would like it removed in order to avoid taking the issue to the FTC and the FHA complaint board. I have written many letters and sent out evidence and paperwork supporting the inaccuracies found within the month-to-month history, dates and amounts regarding XXXX  # XXXX and I have received no resolution. As a result of my past disputes I have been harassed by XXXX XXXX with phone calls and letters asking me to stop disputing this with the CFPB. I have asked them to stop calling ; me as it is my right to dispute. I had no issues when I brought the same evidence via certified mail to XXXX  showing the difference of information which is misleading to my lenders and to my FICO score so what is the issue with Transunion and XXXX? Please validate your investigation or otherwise delete the account immediately.
I have attempted to obtain validation of this debt from XXXX XXXX XXXX three times since XXXX XXXX, 2016. I have not received VOD. I supplied a copy of my social security card, my DL, proof of residence, tax returns for two years and they still can not locate me in their system. Today I found this account on my credit report. I spoke with XXXX at Capio Partners Collection agency, and XXXX from Capio Partners Patient Advocacy department and neither of them were able to locate my file. They advised I contact XXXX XXXX directly. I spoke with XXXX in the patient billing department at XXXX XXXX hospital. He used several methods to attempt to locate a file in my name. He was unsuccessful. He advised I dispute the account directly with my credit bureaus. I disputed this account with all three major credit bureaus. XXXX responded by updating my experian credit report with a balance of {$9400.00}. I have done everything to get this debt removed from my credit report. The original creditor has failed to provide me with validation of this debt. I have given them ample opportunity and proven my identity. I have sent a letter of dispute to Capio Partners as well. I am requesting this debt be removed from my credit report immediately as their negligence is affecting me in a negative way. This is false reporting.
Madam or Sir, XXXX, XXXX, and Transunion are all reporting that my XXXX XXXX card is at 103 percent of my limit. The limit is {$1400.00}. My debt is {$1300.00}. This is 93 percent of the limit. 

All three organizations have lowered my credit rating based on this miscalculation. 

Please contact XXXX directly to verify that the information which I have provided you is correct. Their phone number is XXXX XXXX. 

I have attempted to correct this with XXXX, XXXX, XXXX and Transunion. The response I have gotten from the credit reporting agencies is an automated system that will not allow me speak with a person. XXXX told me that they won't manually update anything, their " system '' updates people 's credit ratings each 90 days. 

This is all unsatisfactory. 

Regards, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Retired )
Someone applied for a pell grant in my name and social but at a different address and with my first name misspelled. They defaulted on the Pell grant but collected the money that was sent to their address. I was contacted by the Department of Education saying that I owed this money. I told them that I did not sign for this grant and did not attend XXXX XXXX College, this was not my debt. I had already gotten my XXXX degree 15 years ago. They started to garnish my wages anyways. I filled Police Reports, FTC Complaints, Notified the Credit Reporting Agencies and Placed Extended Fraud Alerts, Disputed Information, Notified the Department of Education, the College, and the Collection Agency and Filed Paperwork with the Department of Education. The Department of Education has rejected my claims and said that this is my debt and continues to garnish my wages. They said that they will not stop unless I get a court judgement. I can not get a court judgement when I do not know who the person is that stole my identity. I have called several places but every where is a dead end, no one can seem to help me. Every one says that if it was a student loan then it would be a different story and then they could help me, but since it is a Federal Pell grant, there is nothing that they can do. The Department of Education is Rude and MEAN to me, they treat me like a criminal and will not offer me any help. I am not the criminal, I am the VICTIM. I need help. I need to know how to stop the garnishment, get my money back, and clear my name. Please help me.
Experian is reporting incorrect info on my credit file which preventing me from certain credit options such as obtaining a mortgage. I have mailed a certified letter to Experian XX/XX/XXXX and also called multiple times to dispute the inaccurate info in which Experian alleged to verify however they do not. I have spoken to several reps as well a couple managers who informed me the credit bureaus only verify name, dob, ssn, and address NOT the accuracy of the debt nor do they request any documents to substantiate the alleged debts. I have requested in writing proof of the debt XX/XX/XXXX however I still have n't received any documentation regarding the alleged debts. Experian is reporting the same debt twice on my credit report which I do not owe at all however it causing the balance to double. Experian is reporting XXXX XXXX ( original creditor ) {$2100.00} and also reporting collection agency XXXX for the same debt in amount of {$2100.00}. This account was satisfied in XX/XX/XXXX and there is no balance owed however Experian only verified my name, dob, and ssn assuming the debt is accurate without any documentation. Experian is reporting collection agency XXXX XXXX {$730.00} for XXXX XXXX XXXX which is a debt I NEVER owed. I provided Experian documentation from BBB & Consumer Affairs supporting numerous complaints against the property management prior to the company submitting this erroneous debt in retaliation after I moved. The company violated FL Statue requirements for landlords to keep the unit safe from electrical issues, rodents, only bathroom plumbing, and numerous other hazardous life threatening issues. The BBB and Consumer Affairs has this documentation long before the false claims. The company also never returned my security deposit. XXXX XXXX is attempting to collect a false debt for a company that has violated housing regulations/requirements. I spoke with three reps since XX/XX/XXXX and have yet to receive any verification regarding this false debt. I spoke to a manager at Professional Debt on XX/XX/XXXX around XXXX and he informed me he could n't send me verification of the debt b/c I requested to not be contacted which I told him is a lie b/c they are supposed to verify the debt he purchased. He stated they did n't buy they are a 3rd party collection agency. I informed him to send it back to the property management company to verify in court b/c they are providing false information. He could n't do that either but expects me to pay a false debt that the property manager created in retaliation for complaints submitted. Experian is reporting a 30 day late payment for my last XXXX XXXX XXXX payment however I was never late and XXXX XXXX reps and manager XXXX verified on XX/XX/XXXX they never reported a late auto payment to the credit bureaus l. I request this inaccurate information removed from my credit file b/c it has been over 90 days since my original complaint with Experian. I also request the inaccurate addresses and employers removed from my credit report also.
On XX/XX/2017 a wire transfer for XXXX was generated by XXXX XXXX XXXX with destination to Coinbase ( XXXX XXXX XXXX  ). The name on the account in Coinbase was wrong. Coinbase said it would take no more than 10 business days for the wire to be refunded. after the 10 days the XXXX XXXX Customer did not get the XXXX deposited to her account. She proceeded with a attempt to recall the wire. XXXX XXXX has sent a total of 5 notifications to request the wire to be returned. XXXX XXXX XXXX has not responded to them. XXXX XXXX XXXX has acknowledge that they have the money but have not retuned the XXXX. they do not have a well established customer support and all communication is inefficient.
Had an appointment with XXXX XXXX and was told my insurance covered all work done on that visit. I received a bill for XXXX {$170.00} and continued to dispute with XXXX XXXX. Spoke with a representative at corporate and they were supposed to contact my insurance company and get back to me. Today on XXXX/XXXX/2015 I received a call from a XXXX party debt collector, Budget Control Services. From there I called XXXX XXXX and they are looking back into it.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry Has agreed to remove the inquiry from my Transunion report I did not apply and have no credit with these people. Delete XXXX for my Transunion report my id is attached please verify my id and signature
I worked for a company named XXXX XXXX  that I left employment in XXXX of 2017. In that employment they paid me through a commission draw account. After I left employment with the company they asked for {$2400.00} back of Commission paid through the account and sold it to a collections company ( XXXX XXXX XXXX   XXXX ). I live in New York and any Commission paid through a draw account is Illegal and not a debt. I contacted the 3 credit bureaus and informed them of that and XXXX and XXXX XXXX removed this from my credit report. XXXX is refusing to remove this from my credit report and told me that the collection company has to and they have refused to remove from my credit report violating the law.
I was doing a little bit of research on my credit report and I noticed a reported agency call Medical Data Systems on my credit report, I have never did any type of business with any hospital or ever went to a hospital and if I did go to a medical business it would be my doctor which I have medical insurance to cover me so I know I would not be charged. I have never been to XXXX XXXX Medical Center in Florida I need this to be taken off my credit immediately this is not fair I have consumer rights and it 's being violated. I have tried to fix this problem with the credit bureau by disputing this account several times and tried contacting the Creditor and the hospital as well they told me that I have the right to dispute it I also filed a report and was issued a case number by the police department case number is XXXX XXXX County. My identification and Social Security was stolen a few years ago and I am a victim of identity theft and I need this to be taken off my credit report immediately on my XXXX and other. I have never done any type of surgery I do n't have any type of medical injuries or anything under the FRA I have rights. If this is not off my credit I will file charges with the district attorney office for Medical Data Systems. I have tried to fix this problem several times and they are violating my rights please have them remove this immediately off my credit report by deleting it permanently thank you and XXXX bless.
My Subsidized loan from XXXX bank is serviced by XXXX XXXX XXXX and recently transferred to Great Lakes. 

My interest rate with XXXX was 1.25 % with incentive program utilizing direct draft with on time payments for XXXX years. My loan was transferred to Great lakes without notification from XXXX by email or by letter correspondence. When I spoke to XXXX they told me they did not have any way of verifying a letter was sent. 
Because my direct draft was not set up with Great lakes upon transfer I was unaware I was missing payments until I was 3 months late. Great lakes has now removed my incentive and my current interest rate is 2.87 % because of delinquent payment. 
Once I realized what happened I contacted Great lakes and made payment in full and set up direct draft. However I was told that I was no longer able to receive any incentive and my interest rate will stay at the higher rate. 

I feel this is considered student loan consumer fraud for service providers to transfer loans back and forth knowing that a few consumers will not recognize the direct draft is cancelled and allowing the new providers to charge a higher interest rate for failure to make payment. In my case more than double.
XXXX XXXX XXXX is attempting to collect on debt that is not valid. Currently, payments are being made to a federal entity which reflects on my credit report. I have sent XXXX XXXX XXXX proof of the payment consolidation and the Alltran refuses to delete from the credit file. In addition, the account from the same original creditor ( XXXX XXXX  University ) was deleted from credit file from all three credit bureaus ( XXXX, XXXX, and XXXX ) in XXXX 2016 and now is re-appearing on my credit file for XXXX after deletion. I faxed in all proof to XXXX XXXX XXXX and disputed inaccuracy with Butter Business Bureau and Consumer Finance Protection Bureau. The company has refused to delete this from my credit file. This account is being paid under XXXX XXXX XXXX XXXX which reflects on my credit file.
XXXX XXXX placed a collection on my credit history in XX/XX/XXXX claiming that I owed money to XXXX XXXX as ofXX/XX/XXXX, which I don't seeing as how I have not had XXXX XXXX  in my household in years. The debt was originally placed for collection by another company, which removed it after a lengthy dispute which found it to be fraudulent, only to have it pop up AGAIN with this company.

I have disputed it in XXXX and it was removed, XXXX and XXXX have refused to remove it and claim it to be accurate, yet I still have yet to see a bill dated XX/XX/XXXX that shows that I owe any money from anyone. This company is simply trying to collect something that was already proven to not be owed.
I never received any statement saying i owed anything and then suddenly there is a person calling me and asking me for my social and date of birth due to a debt I owe. I did not disclose any information as i dont know who this person or business is. Apperently, I think my old apartments are the ones who placed me in collections but again not truly sure because I never received a statement showing the items or damages I owed.
I have received numerous phone calls and now a debt collection notice requesting that the cable provider has not been able to obtain the cable equipment in my former home. I have been told that if the equipment is not returned I will be billed {$520.00} and if not paid, my credit will be impacted. This was told to me yesterday ( XX/XX/XXXX) by XXXX at IC System. 

I was divorced effective XX/XX/2017. In the divorce, my husband, XXXX XXXX was awarded the items in our home including the cable equipment. 

In the Decree, I was given no access to the home and my ex husband and I do not speak. I have written to him and asked him to return the equipment but I can not make him do it. He will not cooperate. 


I communicated this to XXXX in XX/XX/2017 with a cc to my lawyer and a copy of my Decree. See letter attached/uploaded. 

Debt collectors tell me they are going to report this to the credit companies and that will damage my credit.
Equifax makes it extremely difficult to retrieve your credit report online or to complete the process online when it is due to you for free. However, they allow your to have access to credit report online if you are willing to pay a fee of {$15.00}. They have been oprating this way for at least the last 4 years and this is the first time I have made an attempt to report this behavior. The last I needed to access my credit report immediately was 4 years ago and I could not retrieve it for free through ( XXXX ) without mailing in a verification document. When I elected to pay, no verification was ever requested.
I received several notifications from XXXX informing me that XXXX XXXX   has taken back several payments from them from fraudulent purchases made on the XXXX store card ... now XXXX is informing me if I dont pay for those purchases my account will be closed whats even more annoying they decided to wait until they received my XXXX XXXX payment to all of a sudden to make this decision .... I have submitted my police reports with all the credit agencies and the agencies have then reported the information to all creditors ...
I submitted a loan modification package to SN Servicing Corporation on XX/XX/XXXX. On XX/XX/XXXX I received a letter of missing documents. On XX/XX/XXXX, I sent the servicer the documents they were requesting. They should have had a complete loan modification package by XX/XX/XXXX. On XX/XX/XXXX I received the letter of denial, how is it possible they that review my file in a short period of time? On XX/XX/XXXX I received a letter of sale. I feel like the servicer is more concerned about taking my home rather than giving me a fair chance to keep it. In the matter of about three business days they decided to deny my loan modification, how is that giving me a fair chance/
I have told them numerous times that I am not the female they keep asking for. I have explained to them I will be reporting them. I have told them to record all my conversations with them and to put my complaint in their computer. I just received another phone call today.
The company XXXX XXXX XXXX has been calling our home telephone number repeatedly to collect a debt that is not owed by us. We have asked them to remove our number from their list and stop calling us, but they refuse to do so.
equifax fails to update my credit report numerous medical from corrupt debt collection agencies that do not belong to me mortgage payments that continue to not be updated even with documentation from mortgage company ( XXXX ) old outdated information from over 10 years ago
The world of technology does n't work for everyone ... 
I signed up with Capital One with anticipation of improving my credit score with responsibility. I made all my 1st 4 payments OVER the amount due and EARLY. I started inquiring about the Credit Steps program and my eligibility of an increased limit. The rep told me that I was doing so well and it will be increased in XXXX. 

My personal banking account was compromised just days before the bill was due. I called Capital One to speak with the representative about paying from a different source. We were on the phone for nearly 2 1/2 hrs just for them to take my payment. I was ensured that all was well and IF I DID get a fee, it would be waived.
Month of XXXX, my banking issues were resolved and I got a new account. From my phone, I updated my new bank info and made the payment. I got the confirmation and noticed that it paid the old bank account anyway. I did the process again and paid from the correct one. All done before the due date. I called in the next day to make sure all was well ... .the rep said over the phone it would not count against me. My increase will be on XXXX XXXX and the payment was fine and apparently it was not. 

For a payment to post on the same day, it will need to be submitted Monday - Saturday by XXXX ET. A payment submitted after that time will post on the following business day. However I was on the phone with the representative well after the XXXX cut off ( not knowing ) As a result, I have been removed from the so-called Credit Steps program. I basically will just pay my monthly bill with no prospects of an increased limit UNLESS I contribute the overage. 

I was loving my Capital One experience and this XXXX up has ruined my overall outlook. I work so hard to rebuild thing and would not have been so careless to be missing payment days or by the hrs because as I said from the beginning, I paid well over the amount and before the payment date so these last 2 months is not concurrent with my payment pattern. 

This mess has now became an inconvenience. They have no intentions of helping you achieve your credit worthiness potential but rather set you up to fail with trumped up fees and when you are out, you 're out. I was deciding between Capital One and XXXX XXXX XXXX and I see clearly, I made the wrong choice.