WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I began contacting XXXX in an attempt to resolve this issue. It took from XX/XX/XXXX until XX/XX/XXXX for my account to be found. At that time G C Services had acquired the account. They contacted me and we agreed on a settlement. I was to pay {$1000.00} immediately and then make two additional payments of {$550.00} on or about the XX/XX/XXXX and XX/XX/XXXX. All payments were to be drafted from my checking account. I was told that before any payments were deducted from my checking account I would receive a written notice. I was told if I needed to change the arrangement that I could call and do so. In XXXX I called to notify G C Services that I would need to change the arrangements due to the recent death of my husband. I explained that I would have to make smaller payments. We agreed that 4 payments of XXXX would be made biweekly. This way I would pay off the account in the same time frame. I spoke with a supervisor named XXXX XXXX who assured me that the changes would be made. The changes were not made. I was told that someone filed the forms incorrectly and so the changes were not made, but that I would be reimbursed for all overdraft fees. Mr. XXXX gave me his email address and asked me to email him verification of the overdrafts and they would reimburse me since it was their error. I did receive the reimbursement, but the issue was still not corrected. In XXXX the same thing happened. The amount of {$550.00} was taken from my account again. I did not receive prior notice either. I called back and spoke with Mr. XXXX, but the issue was not resolved. They would not remove the account nor would they give me credit for the payments made because the first payment had to be reimbursed. As I explained to Mr. XXXX I could not pay more than what I had already been out of unless they were going to reimburse me the overdraft fees that I had incurred yet again. I was told that there was nothing that could be done. As a direct result of the errors made by G C Services my credit score dropped ( I was unable to pay other bills timely because the funds were not there ), I was evicted because I had to pay my rent late and I almost lost my vehicle ;
Capital One NA XXXX, XXXX XXXX XXXX XXXX XXXX, Utah. XXXX ( XXXX ) XXXX In regard to the company listed above, Capital One is reporting hard inquiries to my credit report each month which can be seen on my personal credit report from XXXX credit bureau. I do understand that I have a debt in collections as a " charge off '' with this company, however, I have not been making any inquires or contact whatsoever to this company which were reported on : XX/XX/XXXX- states " Reason Unspecified '' - address ID # XXXX XX/XX/XXXX -states " Reason Unspecified '' - address ID # XXXX XX/XX/XXXX -- states " Reason Unspecified '' - address ID # none available Capital One continues to make monthly hard inquiries account. I understand that the personal debt with this company also affects my credit report, But I have not had any contact with this agency in over 180 in order it for it to legally become a " charge off ''. I do acknowledge the last contact with this agency in regard to Capital One Auto Finance on XX/XX/XXXX, which is subject to be removed from my credit report until XX/XX/XXXX. However, I did not legally authorize or give any consent for Capital One to keep running Hard inquiries on my credit report which are listed above. Every month, of the year ; I receive 12 hard inquiries from Capital One
Chrysler Capital called me at work due to a payment that I have not yet paid. I am less than 30 days late on the lease payment. However, they still did call me on a number that was listed as a work number. The representative that called admitted it was showing as a work number. This is unacceptable to be bothered at my place of work. I work for a XXXX XXXX that does not tolerate such behavior.
I took out a loan with XXXX for {$800.00}. I made a few payments and then requested to pay the loan off. I received a reply email telling me it would be done and that my payoff was approx {$640.00}. Come payday they took out the {$640.00} and an additional {$440.00} that was the std payment amount. I called them and they said they made an error and after a few hours on the phone they refunded the {$440.00}. Now they are saying the payoff amount was calculated with that final payment and that I still owe them money. Please put a stop to this.
I received a call from a telemarketer from XXXX XXXX by a lady named XXXX. XXXX. The lady had me record a statement that I did not want to provide my SSN. She assured me that a credit application would be based on my business income and not my personal information or credit. An inquiry would not be made without my consent. She asked me for my business Ein, address and income and date of birth. She somehow pulled my credit, said my application was denied and hung up. I have been unable to call her back. She straight lied to me. Now I have a hard inquiry denial for credit with XXXX and probably the other Two bureaus. Can XXXX XXXX telemarketers just lie to us with immunity and without recourse?
The office of Consumer Affairs of Equifax is not reporting my report correctly i have ask them to take my file out, They said my file will remain with them ok for what I ask, I have sent a request to have my file removed from The office of Consumer Affairs and they said no, I would like to know what is the problem and by law thats my right and request, This is a serious problem.I am a vitim of identity theft i have reported the issue with the police department and disputed inquiries with the office of Consumer Affairs and submitted a police report they said they dont dispute inquiries but when I call Equifax to speak to fraud dept. without giving them my information cause the office of Consumer Affairs got my file flag, The fraud dept. says if u got a police report and the inquiries are fraudulent u can dispute they. I call the office of Consumer Affairs back and they hung up on me.
hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires XX/XX/2016 XX/XX/2016
On XX/XX/XXXX, I reported to Chase Bank the use of a check that was never write it by me, or authorized in any matter for me.

The bank had informe that i should wait 5 business day for an investigation to take place and a decision to be made.

Is XX/XX/XXXX and still has no hear any resolution from the bank, when I called the bank requesting an update on the case they had informe that there is no decision made yet and that i should wait till the meddle of night when the 5 business day end.

This make no sense because my claim was open at XXXX on XXXX so the got the whole day past Friday to start the investigation, and this entire week but is still no a single update on my case.

Its look like the bank is waiting for the last minute to made a decision on my case what i believe is no a fully and correct way to treat a customer and either is no the proper way to do an investigation if they been investigating for over 5 days this claim but its there no update so what kind of investigation its this if there is no updates on the things they are reviewing?

all what i am looking for is to get my money back from a check that i have no write.

Today XXXX Senior Specialist from Chase Claim department in XXXX had no provide me any update any information instead to provide me any information has denied me to get a manager on the floor and also has reject my request of find information
As part of earlier settlement with XXXX for In-App purchase, my XXXX old daughter had used a game on my wife phone which was tied to XXXX credit card. When we reached XXXX, they said they would reverse the charges. Somehow the charges on XXXX of credit card was not reversed. They continue to add financial charges and late fee. I informed my credit card company that these charge should not be there since I had spoken to XXXX. They did not remove the charges and continued charging. From initial charge of {$70.00} to {$700.00} with late fee. They have reported it to credit bureau and spoiled my credit score. Now they have turned the debit over to collectors who are constantly calling. I have called XXXX and unfortunately XXXX will not talk with Credit card company. As a consumer I feel frustrated after wasting a lot of time.
On my credit report under 'regular inquiries ' via ( XXXX XXXX, experience and XXXX ) there is an inquiry showing the company XXXX XXXX  with the date : XXXX/XXXX/2017. This inquiry is fraudulent and I would like this inquiry removed from all credit reporting agencies.
XXXX XXXX system told me that I get a loan from pay day loan back in XX/XX/2015. It was check to cash in Compass bank. I told them that was not me, if I got a balance from the creditor why they don't send the bill to my house or call me. They never send any bill or call. I am buying a house, trying to get a pre approve letter that is how I find out from my loan office told me. I need it to remove from my credit report.
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquiries listed below be removed. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I am writing to complain about Conn 's Furniture and their deceptive credit reporting practices. On XXXX XXXX 2017 I purchased a bed from Conn 's based off the premise that I was financing approximately {$2200.00} for said bed. They issued a credit limit of {$6000.00} so I thought I was being financially responsible for not maxing this limit. <P/>Cut to today XX/XX/2017 and XXXX XXXX informs me that my FICO drops 100 points! Reason being, Conn 's is reporting that I financed {$4800.00}. This is false information. I was told by the customer service rep when I called in that this is the # 1 complaint they hear and all I can do is write in to complain ( which I did ) and hopefully someone in " upper management '' will make a change. This is wrong! <P/>My understanding of the contract was as follows : 1. My amount financed is approximately {$2200.00} 2.  I received 0 % interest for 12 months, meaning if I pay the {$2200.00} balance before 12 months I pay off the balance owing 3. If I stick to the proposed payment of {$130.00} for the term of 36 months, THEN I would have paid {$4800.00}. <P/>NO OTHER CREDITORS USING PREPAID FINANCE CHARGES IN THEIR REPORTING. Otherwise, people who finance auto loans would show the total amount financed based on the installment schedule as the starting balance. ABSURD! <P/>The reporting methods of Conn 's is fraudulent because it is untrue. It reports an incorrect picture of me as a consumer because this misreporting of my credit usage gives creditors the impression that I am irresponsibly using credit which is the biggest impact on one 's credit report. I 've paid my bills on time and closely monitor my report for such discrepancies.
I saw an inquiry on my XXXX credit report from CASH CENTRAL. I have never done business with this company in any way. I call to find out about how the inquiry was initiated, and they said that they received information from 3rd party providers that collect credit information, and based on that they initiate hard inquiries to offer credit. 

As I understand it, this is illegal, either by CASH CENTRAL initiating an inquiry without my consent, or by the so called " 3rd party '' that submitted the information to them. Of course, when I contacted CASH CENTRAL they were unwilling to provide any details about their procedures or who this 3rd part might be. 

All I can say is that I did not initiate a credit inquiry and one either CASH CENTRAL or the other party involved must be doing something illegal by requesting credit in my name.
A XXXX Debt Collection Agency called me in the early morning at XXXX XXXX on Tuesday XXXX XXXX. Their number is XXXX. They have called me hundreds of times before in the last 3 years. They always tell me they will take me off the list but never do. They always call me from different phone numbers because i have to keep blocking them.
You go to this " school '' in hopes to get an education and to better yourself to end up not being able to. They were localized to XXXX but had a branch in XXXX Out of nowhere the XXXX branch was told to pack up and get rid of everything. Papers, supplies, funiture ... you name it. Those that graduated have been told we cant go to state board due to the schools money fraud. We were lied to and allowed to be robbed educationally and financially. XXXX is a joke. More like XXXX.
ON  XXXX   XXXX ,  2017 . A collection was placed on my   XXXX   credit report b y Blake Witt and Associated for the amount of {$1800.00}. I was never notified that 's it was in collections nor so I even know the collector. By law I am supposed to be not ified that 's something will enter my credit report. I was not. I attempted to call and have written a  Debt Validation to t he collector. This has caused a hardship with my finances and credit as I am in the process of buying a home. Please remove the collection immediately.
I refinanced my loan back on XXXX ending with a conventional ARM loan, currently with an interest rate of 7.75 %. I was able to maintain my payment on time until I was forced to retire back on XX/XX/XXXX due to serious medical condition. I am now depending on my social security benefits and a small pension from XXXX. Due to the income reduction I was also forced to file for bankruptcy in the beginning of XXXX, finally discharged on XX/XX/XXXX. I contacted a Housing Counseling Agency since XX/XX/XXXX after getting a steep increase in my payment. My housing counselor has submitted the workout package along with my financial documentation for a couple of times and I have been following up closely since then. I am know 60 days behind and the lender keeps arguing the bankruptcy case must be " dominated '' to process my application. I have gone back and forth to the bankruptcy court and their staff had clearly stated the bankruptcy is done, shouldn't be an impediment any more. My counselor recommended to report my case to you agency, hoping to get an answer from my lender.
I had a federal tax return offset to pay for an outstanding student loan. I first contacted XXXX to get payment history bc I disputed the amount owed. They agreed to send my records in regard to the loan via mail. They informed me that they were only the servicer of my loan but it was held by a company called " Great Lakes '' and provided me with this phone # XXXX. I called the number provided and spoke to a representative for great lakes. They could provide me no more information than XXXX could. It was at this point that the situation became legally problematic. I asked the rep why a federally subsidized loan was being held by a private company. She said that they weren't a private company. I replied, so Great Lakes is a government agency? She said yes we collect student loan debt for the federal government. I replied ok, but you are a private company collecting debt. She said no, we are a nonprofit contracted by the government. Again I pointed out that being a contractor still makes you a private company. I mentioned the truth in lending act and how presenting yourself as a government agency when collecting a debt is a crime. She said she didn't understand that and stated that they are a 3rd party agency contracted to collect federal student loan debt and asked if I needed anything else. I asked to speak to a supervisor, I was first offered to have someone call me back. I asked to instead be connected and I would wait on hold. The supervisor picked up almost inmediately and I explained the situation. They were silent on the other end of the line for an extended period. I asked if someone was there, and got a reply of yes what else can I help you with. I said it seems like your representative needs some training on regulations bc they are presenting you as a government agency. He again tried to make a vague claim of government agency. I asked him the same questions about the private nature of the company as I had to the rep. I explained that presenting a private company as an agency of the govt is a crime and the fact that both a rep and a supervisor presented it that way made me believe that they are intentionally ambiguous about this fact and that was a bigger problem legally. He told me that he wasn't a legal expert and I could take that up with their legal department. I asked to be connected to their legal department and was hung up on. If it was just a poorly trained rep who made a mistake I would understand and chalk it up to a need for better training in regards to the relationship between the company collecting federally subsidized debt and being a government agency. However the fact that a supervisor also tried to present it to me that way and disconnected my call when I asked to file a complaint with the legal department makes me believe that their policy is to willfully make the people from whom they are collecting debt believe that they are a federal agency. I have a background in XXXX and have held an XXXX license I'm very aware of the law and what constitutes a willful violation. My concern is that this is a purposeful policy intended to deceive and relies on debtors ignorance of the position a collector is in.
Since graduation I was not able to make payments. I was always pushed to deferment and forbearance without a clear explanation of my options. My debt almost doubled on many of my loans and I am now looking at an extra {$40000.00} that I need to pay off. They also did this with my private loans. Many times the company would wrongly allocate my payments which would lead to me being stuck on the phone with them trying to fix the issue. I was also contacted by collectors working under the name navient when XXXX of my private loans was about to default. They were very pushy and never offered help. Many times they just tried to collect whatever they could. Once when I tried to talk to them the gentleman hung up on me because I was n't able to pay what he wanted. I can barely afford my payments as is and without financial help from my parents there is no way I could. At the current rate I could have my loans payed off by 2115. Its ridiculous and seems impossible.
XXXX XXXX XXXX is using an intimidation tactic to collect a debt that is NOT mine. I do NOT have any signed contracts with them or their so called client Also, it's a violation for the FAIR DEBT COLLECTION PRACTICES ACT to try and collect a debt that has NOT been validated, they are NOT suppose to do that!
We just received a dismissal of bankruptcy in XXXX of this year. The next month we recived a call from Select Portfolio stating that our mortgage payment was late. I called to find out what the problem was and was told that every payment we had made with them fro the past year ( they took over the loan from XXXX XXXX XXXX, 2013 ) was late. I stated that we were current with our loan, and have subsequently spoken with them XXXX more times and told to get a payment history, and they just have the same answer every time. 
We did recive a letter from XXXX in XXXX of 2014 stating we has a late payment at some time in the previous 12 months. I called the number provided but they would not talk to me about it because we were in bankruptcy. We also were getting the " pay for performance '' incentive until XXXX XXXX.
I have never heard of XXXX until I received a denial letter from XXXX XXXX for an auto loan request. Upon further research they are a connection with XXXX. I do not approve of them having my information, nor do I approve of them issuing my " score '' based upon personal life interactions that are not entirely financial. I should not and do not need to verify my sensitive information with a company that just popped up at random in order for them to freeze my " credit profile ''. This is absurd and I want my " credit profile '' eliminated from their systems if they can't be forced to close up shop.
sca collection XXXX inXX/XX/2012 is trying to collect a debt from me I don't know where this came from ive disputed this debt serval times and I need this to be resolved. ive sent forms to the credit agencies and they haven't giving me proof that this is mine please help me with the issues. 



I also have an inquiry that was issued on me called XXXX   an inquiry that I did not authorize. I don't even know where that inquiry came from. can you help me figure these out and remove from my account,
Dear States Attorney, I 've taken during the past 60 days, to date SANTANDER has not resolved my issue. Can you please support me in resolving this matter as I have followed all the necessary steps in disputing provided to me by the Federal Trade Commission, and the CFPB but have not been successful. Should you need any other information, please let me know. 

Sincerely, XXXX XXXX
I had a XXXX mortgage loan with XXXX XXXX. The loan changed hands several times and ended up being serviced by Nationstar Bank. In XXXX 2011, I refinanced and rolled the XXXX mortgage into my first mortgage and at the time Nationstar released the lien. I recently discovered that they missed the original lien release naming XXXX XXXX and I 've been working with them for several weeks now to have that release sent to the XXXX XXXX XXXX 's office. Each time I call, they tell me the paperwork is in progress or waiting for signature. I spoke with their customer service rep last week and was told a supervisor would call to update the status of the release but I did not receive the promised call. Nationstar needs to release instrument number XXXX. Since this has not been done and I am not receiving promised calls, I spoke with XXXX @ the FDIC and she suggested I file a complaint with you. Is there anything you can do to get this paperwork finalized for me? I have been approved for an equity loan that is being held up by this lien. 

XXXX XXXX XXXX XXXXXXXXXXXX
had account with   XXXX   XXXX   in  XXXX    XXXX  florida  around  XXXX  closed the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my telecheck and credit report just with the la st two m onths. I do not have my old account number. want it removed immediately
Two issues with Conduent, but they both apply generally to all student loan servicing companies.

I pay my loans, more than is needed. No problem there.

My issues are what the servicing companies are allowed to do : ( 1 ) Unilaterally changing service providers. This happens often and fundamentally affects my ability to communicate with the servicing agency and keep track of balances. Can I unilaterally give my debt obligations to someone else that may or may not pay, the way the servicing companies are allowed to shuffle loans around at will? I didn't think so.

( 2 ) The " TO PAY OFF YOUR ENTIRE LOAN '' amount placed on loans. Good through some imaginary 10 day time period. This is a complete fiction. No one mails in payments and if someone did and the USPS delayed delivery the servicing company would tack on more interest. Right now my loan says to pay it off I need to add XXXX   dollars worth of interest. But if I click on the interest accumulated today there is only one dollar of interest. This is a complete scam to trick people into overpaying. Is anyone monitoring the amounts of interest overpayment when people make one time payoffs? Small fractions are easily millions of dollars. The servicing companies should be required to list a " PAY IT TODAY '' amount. I am shocked this system has been in place for so long when today the internet alllows simple same day payments which I would guess accounts for >95 % of all payments processed by Conduent.