WillisBack/dataset-financial-user-claim huggingface dataset:
Background info - I purchased a car from the local XXXX dealership in XXXX of 2018. The loan is through XXXX XXXX 
The Issue - I have made a couple of late payments and late fees were assessed. I made payments to cover the late payments and late fees. Well, I was looking at my loan account when I went to make the most recent payment and noticed all of these fees, {$130.00}. 
Before contacting the lender, I looked through all of my payments to make sure that the error was not on my end. According to my calculations, for the eleven months that I have paid the car note, it adds up to {$6000.00} plus an additional {$130.00} in the late fees. To date, I have paid {$6200.00} which was supposed to cover my car note and the accrued late fees. 
I called the finance company to ask why am I seeing {$130.00} in outstanding fees considering when I made payments according to the bills received, the late fees were apart of the monies paid. According to the agent, despite the fees showing on the bill and me sending in the payments were never applied to the late fees so the late fees are outstanding and past due. He stated that I would have had to have called and asked that the funds be applied to the late fees. 
According to the representative, the extra money was paid to the interest and not even towards the principal. I have just been shafted out of my money.
I previously submitted a Complaint about this this collection agent. In response to the complaint, they submitted complete LIES.     The response is a complete LIE! The response states : ... in response,  GC Services sen t  XXXX   XXXX  a letter on  XXXX   XXXX ,   XXXX   verifying the name and address listed on the account as well as the amount owed with our client. The letter additionally included an itemization of the current balance owed and enclosed billing statements provided by our client to confirm the underlying amount owed. In addition,  GC Services  has updated  XXXX   XXXX  credit reports to show the account as dispute d. 5.  Our client reported to us that payments have been made on this account and that the line was opened and obtained using  XXXX   XXXX  security question and/or password.  6 . We apologize for any inconvenience caused through our collections efforts. We encourage  XXXX   XXXX  to contact  GC Services  so that we may assist her in completing a fraud and identity theft application or provide other assistance to help her resolve this account.     NONE OF THIS IS TRUE. GC Services HAS NEVER RESPONDED TO MY LETTER. I did NOT RECEIVE ANY SUCH documents, itemization, NOTHING that the claimed in their response. Additionally, the phone was not leased with my security question or password.  XXXX  ACKNOWLEDGED they allowed someone else to lease the phone without these things,  XXXX  stated she was allowed to upgrade the phone " based on her POSSESSION OF THE OLD PHONE! '' This response further differs from what  XXXX   XXXX  told me during my conversations.     The ONLY PROOF of the amount owed that  XXXX  knows is in dispute is the {$170.00} " lease cancellation fee '', again, I demand proof of an executed lease! That is the ONLY proof that supports the charge - not an account balance or itemizations of FRAUDULENT charge. I asked for PROOF OF A LEASE which is the subject of the {$170.00} debt.
Complaint Description : I was told that once they received a documentation that an account that was not mine was to be deleted, they would remove it. This did not happen. On XXXX XXXX I notified that a collection from XXXX XXXX was on my credit report. The apartment information listed shows the wrong apartment number as well as the wrong number of lessees. I was told that a dispute could have a turn around of 90 days with each party having 30 days to contest or prove information listed. The agent from the collection, XXXX XXXX agreed to have the collection removed from my report with 30 - 45 days if paid in full. I received the deletion letter shortly afterward ; however the complex I found agreed to hold the place but for just 2 weeks and it is imperative that we move by XXXX XXXX. When I called Equifax to see if the process could be expedited, they stated I would have to dispute it and once it was confirmed that it is to be deleted they would take it off. I was told that the dispute was sent XX/XX/2016. The confirmation number is XXXX. I received a copy of the correspondence from the collection agency showing that the deletion request had been sent to XXXX, XXXX, and Equifax on XXXX XXXX. This collection was received by reported to be received by both XXXX and XXXX on the XXXX. Equifax stated they had not received it. I contacted the collection agency and it was confirmed by XXXX XXXX, the Director, Phone number XXXX, that they had responded to the dispute. Both XXXX and XXXX have removed the account ; however Equifax continues to state they did not received anything ; even though I have a copy of the correspondence sent to them. Today, XXXX/XXXX/2016, after speaking to an Equifax manager, XXXX, she was stated that she did not oversee that the department that oversees these disputes even though the department I contacted was the dispute department. She then stated there was no way she could find out if it had been received. When I requested the contact information for the department who could answer the question, she initially stated that she did not access to that information. After requesting that she not belittle my intelligence and as a manager I am sure she has access to every number there, her statement was revised to her not being able to provide that information to consumers. She disregarded the fact, I received notification of the deletion being sent and was very unhelpful. This is a time sensitive matter in which they are not honoring their own policies.
I recieved constant calls from SW Credit Systems L.P. # XXXX about a XXXX XXXX for {$380.00} that was not mine. I call several times informing them it wasnt and I never lived in the XXXX area. They said someone must have gotten my Soc Sec number and they wanted me to pay it anyway. I refused and now I see they have placed my credit in collection and My score has dropped from XXXX to XXXX. I am sure this is an unreputable company after the many phone calls I made to them. Please let me know how to proceed in getting them to remove this black mark and completing this complaint. Thanks XXXX
Roundpoint Mortgage Services who services my VA loan has cashed my insurance payment from hail damage in XXXX 2015. They, the Loss Draft department specifically, said initially they were waiting for the XXXX of the XXXX which was submitted with the proposal ( bid/quote ) for services. They said they did not receive the proposal that was also an attachment in the same email. I have since resent it XXXX additional times. They continue to claim they have not received it although, each time, I receive an automated acceptance response from their email system. It is XXXX degrees here in XXXX and they 're preventing me from having a working air condition on a home for which I pay am paying over XXXX dollars for plus interest. In addition, they 're sending me letters saying I am not in compliance with their insurance claim policies because I have not requested a final inspection for the very work they are preventing from being done. Lastly, their phone system does not work properly and when you call it asks three times if you want to leave a message, if you choose not to, it then forces you to or hangs up but no one has returned a single call yet.
Hunter Warfield is a debt collector that purchased a debt from XXXX, an apartment complex in XXXX. In XX/XX/2016, they fraudulently placed a collection account on my credit reports. Upon obtaining the account documentation from Hunter Warfield, it was clear that the account was fraudulent, and not only did I not ever owe XXXX ( and accordingly Hunter Warfield ) any money, they actually owed me money. However, my attorney made Hunter Warfield an offer of settlement - remove the collection from my credit reports, and I would not pursue recovery of the funds owed to me ( plus attorneys ' fees ). 

Although Hunter Warfield never responded to my attorney 's numerous emails and calls, they did remove the account from my credit report. Now, more than 6 months later, they have re-reported the same debt, which they know to be both fraudulent and non-collectible. This is a clear violation of both state and federal debt collection practices, and is only an attempt to extort me for the funds.
On XX/XX/2016, I accidentally paid my mortgage twice in the amount of {$1900.00}. I reversed one of the payments because I can not afford to pay my mortgage payment twice in a single month. They assessed a non-sufficient fund fee of approximately {$50.00} even though the payment was not late and I've been fighting with them ever since to have this fee reversed. I've called and emailed them multiple times and none of them seem to understand the issue or how to resolve it. They've told me multiple times that someone would call me back but they never do.
XXXX HAS 28 LOANS LIST ON MY TRANSUNION AND XXXX AND ONLY ONE LIST ON MY XXXX REPORT. REPORT THAT ARE DUPLICATE LOANS. THEY ARE LISTED WITH XXXX AND XXXX. THE ONE WITH XXXX XXXX ARE OK I HAVE DISPUTE THE LOANS WITH XXXX ON XX/XX/XXXX AND ON XX/XX/XXXX THEY CONCLUDE THAT THE ACCOUNT WERE VERIFIED AS ACCURATE AND HAVE BEEN UPDATED TO REFLECT RECENT ACTIVITY BUT HAVE NOT PROVIDED NO DOCUMENTATION OR EVIDENCE. I HAVE BEEN DISPUTING THIS ISSUE SINCE XX/XX/XXXX AND CONTINUE TO BE DENIED. MY NEXT STEP IS TO START LIGITATIONM AGAINST ALL THREE CREDIT BUREAU.
We have been trying to a modification on our property for 3-4 years and still have not been settled. Started with CitiMortgage. First attempt, " denied '', income too great. They looked at previous years, not the reduced income to occur in the immediate future. Second attempt, " denied '' currant on payments, we were told we would have to get behind in payments, which we ended up doing. Third attempt, they lost paperwork and we were told we had to get currant with payments. We could not do that and they would not accept partial payment. they said all or nothing. Then it went into Forclosure and we found out it that XXXX turned the loan over to Seterus as the new servicer of the loan. It went into court for a Foreclosure date. Seterus agreed to attempt try for modification. XXXX requested that we go thru XXXX to assist us. we went thru the program and took the financial help class. We received approval and final modification documents, Took them to XXXX, signed them, notorized them and they were sent back. Payments to begin XXXX XXXX, XXXX. Tried to get auto pay set up for payments. Denied for that process, informed that figures in final modification documents were incorrectly calculated. were in the process of correcting and sending out the new documents. in the meantime went to Foreclosure court on the XXXX of XXXX XXXX. House was turned back over to XXXX. Received XXXX documents that evening. Signed, notorized and sent back that day. Been informed by Seterus that them documents figures are still incorrect again. we are still waiting receipt of the XXXX set of documents. Told it would be middle of XXXX, with XXXX payment of XXXX XXXX. We have continued to make our trial payments since XXXX XXXX. Also informed that none of the payments are credited toward the loan itself. Still do n't know if XXXX documents will be correct. This process has been a burden and stress on the family. I feel that this process has gone on long enough, longer than anyone else that I know that has went through a modification. Nobody knows what else I can do, or other actions to take. ( ie Lawyers and financial advisors )
I moved to XXXX XXXX, GA in XXXX XXXX. I had XXXX as my mobile service provider. I rented a home at xxx XXXX XXXX, XXXX, GA ; a location not serviceable by XXXX. After XXXX Corporate confirmed this lack of coverage they were willing by their policy to cancel my account.I paid the account in full for service used to date of cancellation. They also asked that I give them my new I-phone as part of their cancellation while still under contract. It was not their phone, acquired elsewhere, but I turned it in. I began service with my family through XXXX XXXX whose service reached my XXXX address. A few months later and to my surprise I received a bill from XXXX for XXXX. Upon inquiry I am told the bill was for " breach of contract '' because I did not turn in the other XXXX phones we had, very old and outdated phones. I went back several times to XXXX service dealer who told me to disregard and had spoken to Corporate. This is same office location in XXXX where I cancelled the XXXX service confirming we lived outside coverage area. 

I ignored the bill waiting for a letter of correction. I then received a call from a collection company demanding the amount of XXXX. I explained that this amount is NOT for cellular service not paid, but penalty charges for not giving them my other phones beyond my I-phone I gave them. He then got on the phone with XXXX Corporate after telling me this should not be sent to collections, and that this is not a valid bill. I received a call from Corporate office ( its now XX/XX/XXXX ) and told the account would be closed and XXXX out with their apology as NO ONE asked for my other phones beyond my phone back in XXXX XXXX, and I also only received XXXX return box. 

By XX/XX/XXXX I stopped hearing from XXXX altogether. I had not received ANY written communication to my knowledge since. However, a recent credit report shows me in " collection '' for XXXX with a new debt collector company. I filed a dispute with XXXX XXXX but amounted to nothing beyond showing the amount is in dispute by me, consumer.
dont know who this is or how they got my information along with this company XXXX XXXX Inquiry from XX/XX/2018 Bank Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Microbilt Inquiry from XX/XX/2018 Misc. 


Institution Information XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX
I received a phone call on XX/XX/XXXXregarding this debt. I attempted to offer a settlement and was bullied by XXXX XXXX. I informed her that I may be able to make a payment but was unsure. On XX/XX/XXXX, I called XXXX XXXX to inform her that I now had the needed funds and would like to make a payment. At that time she became verbally aggressive. Stating that she told me to pay a month ago. She used harsh language and her tone was much less than professional. I requested to be transferred to a supervisor and was told no. I requested again to be transferred to a supervisor, at that time XXXX XXXX said No I will not let you speak to anyone you need to make this payment in full today I asked why she was being so rude. XXXX XXXX then hung up on me. I called back and asked the person who answered the phone to speak with a supervisor. I was transferred to XXXX XXXX. Initially he refused to identify himself. He too became verbally aggressive. Im simply trying to pay my debt. I am not calling to be ridiculed or chastised by people who will not take the time to have a conversation and provide needed information. I was talked down to, yelled at, and hung up on. I have recorded all of the conversations.
I disputed a charge with citi bank for the amount XXXX in XX/XX/2018. The merchant was supposed to fix my card but they NEVER fixed it and did not provided any services to me. So i disputed the charged for the services not provided with Citibank. Till XX/XX/2018 I have received zero communications from CITI bank. On XX/XX/XXXX I received an incomplete irrelevant letter that Citi bank investigated the dispute and according to the merchant 's provided documentation they were closing the dispute in the merchants favor. The funny thing is that Citi bank is telling me to review the merchant 's documentation and if i still wish to dispute this charge, please specifically address the merchant 's response along with the complete details of my dispute but CITI never attached ANY SUPPORTING DOCUMENTATION FROM MERCHANT THAT THEY HAVE PROVIDED ANY SERVICE TO ME. The letter they sent to me is unprofessional and unreasonable. After receiving this letter i tried to call the dispute department several times but they were never available and responded my calls. I have sent 3 emails to Citi bank billing disputes department but nobody replied to me. It is ridiculous and bad service from Citi bank. 
I want CITI bank to finalize the dispute in my favor as the merchant according to Citi bank provided documentation provided zero proofs showing that they provided any services to me and citi bank did nothing to recover my funds. I want all my funds to recovered within 24 hours. This type of customer service in unacceptable from the bank.
I received many phone calls from this company security systems in regards to a student loan account that was from XXXX college, ( I actually have XXXX accounts, but they are both being serviced throught XXXX, under the united states department of education ) I sent letters, and spoke with XXXX on the phone, I also faxed over the information that this account is serviced under the united states department of education and is being serviced through XXXX, through the wage garnishment department but the phone calls continue, even after i furnished the information to XXXX I wish to have this account updated to have this security credit systems company removed from my credit report, with an explanation and to stop calling me about this XXXX college account. thank you
I have several opened disputes with Chase credit card. I have submitted additional information on each account as requested. Chase denied several of the disputes for example siting I did not submit documentation as requested. The disputes stem from merchants product as not describe to merchant 's mischaracterization of the described goods or services and/or dispute concerning the established quality of goods or services provided to me. For example XXXX XXXX made a reservation and the room was unsanitary the patrons appearing to have permit residence as welfare recipients. A woman XXXX in the hallway a group of people appearing to involved in a drug transaction, the room water damaged ceiling and the floor filthy with hair and debris. The particulars are within the dispute to Chase however it was denied on XX/XX/2018. I was notified by phone. I called back and explained the matter to a different representative and the case was reopened with a temporary credit. The problem with this particular dispute is I paid with Chase I called them at the hotel when there was a problem along with the merchant. I did not stay at the hotel, left and checked into a different hotel. I think it is obvious that I did not stay at two hotels on the same day, however Chase initially and incomprehensibly dismissed the dispute siting I did not send the information requested when I did and if I did not they could see the transactions and common sense would there are two hotel charges on the same day. It is basically the same with each dispute below. 


See dispute details This page displays all dispute ( s ) that have been opened, canceled or closed during the past 120 days. 

Click the case number to see details about a dispute. To cancel a dispute, click " Cancel dispute '' in the Action column. To submit a new dispute, click " Add New Dispute '' at the bottom of the page. 

My Disputes Case Number Date Opened Transaction Date Description Dispute Amount Action XXXX XX/XX/2018 XX/XX/2018 XXXX {$100.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX IN {$190.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX {$100.00} Cancel dispute XXXX   XX/XX/2018 XX/XX/2018 XXXX XXXX {$220.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  {$310.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX {$90.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX  IN {$190.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX  {$220.00}
XX/XX/XXXX, I sent a certified letter to EOS CCA, requesting copies of any documents, bearing my signature for an account that was added to two credit  reports under my social security number by this collection agency. I formally requested in this letter to ceast and desist any attempts to collect on this debt. As of XX/XX/XXXX, this company has NOT satisfied my request for documentation.Pursuant to Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts :, this account should be removed from all of my credit reports, never to be reinserted again, by this collection agency. This collection agency also violates, FDCPA 807. False or misleading representations [ 15 USC 1962e ], as I do not have ANY accounts ( active or inactive ) with this company.
Collection agency is claiming I owe {$9.00} to XXXX XXXX XXXX. I never received a bill from this company. I have paid all of my medical bills and have no knowledge of any outstanding debt. This is a fraudulent claim.
I had a loan at an XXXX XXXX XXXX store in XXXX, Wisconsin and then the store closed. They never notified me that the store closed. Then they took money out of my bank account also without any notice and they had never done that before. So I drove by and found out the store was closed. Then I received my contract back, paid in full XXXX XXXX XXXX. After that, another company ( XXXX XXXX XXXX ) took money from my bank account. I disputed the debt and requested debt validation by certified mail within 30 days of discovery, which was accepted by XXXX XXXX XXXX on XXXX XXXX XXXX. I also asked in the certified letter to only be contacted by mail. Since then I received an email from XXXX XXXX XXXX with the XXXX XXXX XXXX  contract with the XXXX XXXX name superimposed on it. And now XXXX XXXX XXXX is calling me at home and at my work and they threaten to keep calling my work number. 
Both companies are claiming the same debt which is why I requested debt validation in the first place.
Portfolio Recovery keeps calling using so far XXXX different spoof phone numbers with different state area codes. They usually hang up as soon as I pick or wo n't leave a voicemail. I am not sure what debt they are calling about but I am feeling harrassed.
This company AR Resources has put a deragatory collection account on my XXXX credit bureau reports as of XXXX/XXXX/16 but did n't pop up until XXXX/XXXX/2016. For a medical collection from XXXX XXXX XXXX. I have never ever heard of them and I believe that this is fraud. I have attached a police report and FTC Affidavit and I want it removed
I contacted Equifax, and XXXX XXXX/XXXX on XX/XX/XXXX about an unauthorized inquiry on my credit report, that was reported by XXXX XXXX/XXXX on me on XX/XX/XXXX. I requested that the inquiry be deleted. I have attached a copy of both letters that I mailed certified. Equifax responded that the inquiry was updated. I have never received a response from XXXX XXXX/XXXX on the matter. However the inquiry has not been deleted by XXXX XXXX/XXXX or by Equifax. I have never applied or purchased anything from XXXX XXXX/XXXX. I have had previous issues with my personal information being compromised by Equifax. I am not sure if the 2 incidents are related, but I am sure that this was not an authorized inquiry by me and it needs to be removed.