WillisBack/dataset-financial-user-claim huggingface dataset:
Around XX/XX/XXXX I disputed a negative item on my credit report for all XXXX bureaus. I was successful on the deletion. In XXXX this same collection account resurfaces, under a different collection agency. After some google searches i found out it was technically the same agency they just changed their dba. I received an alert thanks to XXXX of the reinsertion. I disputed it immediately unfamiliar with the charges, just like last time. Now it comes back " verifiable '' within 6 days of the dispute. A week later it hit my Experian file, I dispute with them as well and again they " verify '' within days of the dispute date. I know it takes a little time for sites like XXXX to update to show a collection. I not once received written correspondence telling me this collection was being reinserted into my credit report. And after some digging I found out the credit bureaus have 5 days to let me know. It is now XX/XX/XXXX and I have yet to receive correspondence from Experian nor XXXX. Hopefully it does n't hit my transunion file as well as I have n't received anything from them either.
This complaint is against Chase bank - Line of credit Acct. # XXXX 1- My line of credit was modified ; my first payment was made on XXXX/XXXX/XXXX for {$160.00}. I recalculated the payment for the last 5 years and it was supposed to be {$160.00} What do I want? 
Adjust my account to reflect the correct payments, and send me a check for the difference. 
The bank MUST show me their step-by-step calculations. This should not be a mystery. 
2- Chase sent me a letter in XXXX XXXX and again in XXXX XXXX, detailing the new payment is {$160.00}. However, when I made the payment, it was increased to {$170.00} without any explanation. I called and was given complaint no. XXXX. Nobody was able to explain this discrepancy, claiming that all of this done in the " back room '' What do I want? 
Adjust my account to reflect the correct payments, and send me a check for the difference. 
The bank MUST show me their step-by-step calculations. This should not be a mystery. 
3- When I make an online payment on Saturday, the system debits my checking account instantaneously. Then, post the transaction on Monday. That means I lost 2 days of interest to their favor. 
Well, let 's be honest, if you take my money NOW, you must give me the correct credit NOW. 
What do I want? 
Chase should go back and check all of the payments that were made on Saturday, and send me a check for the difference in interest calculations.
I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting.
I have XXXX private student loans that are serviced with XXXX XXXX XXXX ( XXXX ). Loan # XXXX ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX, I contacted Experian credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a 1099-C, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender.
Loan # XXXX ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, {$50.00}, XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.
This is our first month in our new home. My husband has been sending payments to Loan Depot weekly to take some of the sting from the new mortgage payment. 

I received a returned check back, so we called to find out the issue. They applied the first {$1000.00} we sent straight to principal, returned the second {$1000.00}, and are in the process of returning the final {$1500.00} because each payment was less than the {$3500.00} due. 

Now, because of the back and forth, there is a chance our first payment ( which, in total, was sent on time ) will be late and we may be charged over {$100.00} for the late fee. We have to wait until Monday to receive all the funds back, just to send them back again ( by Tuesday ). 

I work in the XXXX XXXX XXXX, so it is news to me that any lender could return funds and not just apply them as received.
I have recently pulled my credit report and located an account showing a mortgage account called Real Time Resolutions. I recently contacted them and they are a collection agency, not a mortgage company. They are incorrectly reporting on my credit report
Equifax continues to disclose bad info on a collection from XXXX XXXX, a company with a very bad reputation in the industry. 
The account was cleared in XX/XX/2016 with a XXXX balance due.
portfolio recovery associates is trying to collect on I debt I do not believe is mine. They stated in the letter they purchased this bill in XX/XX/XXXX in regards to a phone bill not paid in XX/XX/XXXX they were not able to supply and address for this bill and the information they do provide is very vague. This debt would be XXXX years old if it was valid and according to the past history of this company I believe this to be a scam.
I have requested validation or removal of debt in the total amount of {$710.00} opened on XXXX XXXX, 2015 from this collection agency and they have failed to provide debt validation information via US postal mail or to remove the debt from XXXX credit reporting agency. It has been more than 45 days since the original request was sent.
I was contacted by a debt collector on my personal phone while at work. He was attempting to collect a debt as a third party. I told him over the phone that this debt has been in dispute for some time now. He asked me if I wanted to resolve this voluntarily and if i did not that this would go on my credit. I have submitted an email to the company and have submitted in formal writing that I am disputing the debt entirely. Furthermore I was never advised of the debt transfer to a third party from the original party who was involved. I was completely blindside by a collections call.
After over 35 days, the underwritters at a Cardnial Financial subsidiary company Sebonic, starting asking me for documenets that they KNOW I do n't have since this would have been revealed in my original paperwork, such as XXXX and over XXXX in liquid funds. This was a waste of my valuable time and cost me additional interest charges on my current loan that I would not have had to pay if I had known upfront not to go with this loan. I am out the {$450.00} ( appraisal ) + {$2400.00} I would have saved going with another loan ( 2 months interest ). Additionally they not make themselves available to me in a timely manner to discuss these issues, taking 5-7 days to get back to me and only when I would tell them that I was going to complain to the CFPB would they call me back. I am extremely upset.
I mailed a certified letter dated XX/XX/2018, which was received and signed for by USAA on XX/XX/2018 requesting validation to an account showing on my Credit Reports as Charged off. This letter included the account number as shown on my credit reports, and all of my personal information. USAA did not reply. I sent another certified letter dated XX/XX/2018, which was received and signed for by USAA on XX/XX/2018, again requesting validation to their reporting on my credit report. On XX/XX/XXXX, USAA replied with a letter stating that they received my request disputing information on my credit report, and they will not investigate this dispute. On XX/XX/2018, I sent a third certified letter, which was signed for on XX/XX/XXXX, by USAA. This third letter stated, USAA has still not validated this account, nor have they marked it disputed, which violates Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.  USAA replied back with another letter dated XX/XX/XXXX, stating they received my request disputing information on my consumer report, and they will not investigate the dispute further, etc.
I completed a loan modification through the Hardest Hit Fund in the state of Arizona. While making payments Bank of America has reported missed payments on my credit report. I have tried seven times by certified mail and credit disputing to make corrections. The last letter sent out I have not received a response. XXXX and XXXX reflect over a year of missed payments, while XXXX reflects six months of missed payments. The agreement was made between XXXX and Bank of America with no details on how credit reporting would be handed while making payments.
On XX/XX/XXXX I was contacted by XXXX XXXX XXXX stating that I owed a payday loan from XXXX ( they said XXXX had bought out several other payday loan companies and were just now collecting the debt ) from XX/XX/XXXX. They stated that unless I paid that day they would charge me with fraud and I would be served with a summons either at home or at work to go to court. They had all my personal information including my social security number. In my profession it would hurt my job if they were to come to my place of work .They caught me off guard and scared me to death. My husband and I paid the {$1000.00} dollars. At this time XXXX XXXX sent me a document through e-mail that I had paid the loan off in full. This is a document that I could have typed up myself. There is nothing that suggests that this is an official document from a legitimate company. I have received no documentation from them concerning this debt. Then I went to my bank and talked with them. They advised me that it was probably a scam and I had fraud protection on my account. I canceled my debit card and reported it to the fraud department at my bank. They are investigating it now. Yesterday XX/XX/XXXX, I received another call from XXXX XXXX XXXX because my bank canceled the {$1000.00}. They said I had to pay then or I would be served with a summons at my home or job. They also said by then I would have to pay for legal representation, court costs and interest on the loan so it would be better to pay now. I have asked over and over for documentation that I owe this money. I also asked for a copy of the original contract from the original company. I have yet to receive any documentation or an address and phone for XXXX. I have tried to find a number on the internet for this company but the numbers I do find are not working. I also XXXX the address for XXXX XXXX XXXX and it is an address for a shipping company. I did take out some payday loans years ago ( stupidly ) because we were in a financial crisis, but I know I paid them all back. I have told them I would gladly pay if they could show me some documentation, but XXXX XXXX just said they would send the information on to XXXX.
Account has been open since XX/XX/XXXX. I put the account in forbearance for 4 months in XX/XX/XXXX. Those 4 months show that I was late instead of in forbearance.
I own a home in XXXX where I am originally from. The market for properties over {$400000.00} is very bad there. I lost my old job and found a job two hours away in XXXX, DC. We tried to rent or sell the property for months, listed at mortgage balance price, and received no offers. I reached out to the mortgage company, Carrington Mortgage, who explained that I was approved to do a deed in lieu of foreclosure or short sale because I had to take a job in XXXX, DC and move from where the home is in XXXX. I start a new job on XX/XX/2019 and will make half what I made before. XXXX said that they, and the VA, approved the mortgage for both a DILF and a Short Sale. They spoke to my agent and had him change the listing to be an approved short sale, which he did. They then reversed course a month later and said that the request was denied. They are making me reapply for a short sale again to supply the new income information. I feel this is inappropriate activity and am trying to work with Carrington but they are acting in bad faith. The negotiator told me that his manager told him that they are revoking the approval to do a short sale after five weeks of listing. We have repeat tours from a possible buyer and the mortgage company is playing games. The mortgage loan is # XXXX at Carrington Mortgage Company for a property we have vacated at XXXX XXXX XXXX XXXX, XXXX, PA XXXX.. 


XXXX XXXX. XXXX XXXX
I went to XXXX XXXX and told them I was interested in XXXX. They convinced me that the XXXX would be the best fit for me and get me the education I needed to become a XXXX/XXXX. I took out a federal loan for a little over {$2000.00} to cover the Dell Laptop they were providing and a private loan for over {$16000.00} to get me through the XXXX semester. I was NOT provided a syllabus before the loan papers were signed. I took it on trust that the agent representing me and getting me signed up knew what the program was and was taking care of me. I was XXXX years old and incredibly naive. Upon my first day of the XXXX semester I was given my syllabus. The XXXX semester consisted of basic courses that each XXXX required to complete. It was n't until halfway into the XXXX semester that I received a syllabus for classes for semester XXXX. Upon receiving the syllabus I immediately went to the web site ( Itt.EDU ) to figure out what the description for the XXXX was as the upcoming courses were completely centered around XXXX and XXXX XXXX. The website, low and behold, had undergone a drastic update and my CAMPUS in XXXX XXXX, AR showed they had the XXXX program available. Armed with my newfound information, I proceeded to visit the DEAN in her quarters. She DENIED that the XXXX was available at our campus and COULD NOT explain WHY I had been put in the XXXX for XXXX. I immediately withdrew HALF WAY through the XXXX semester. Since then I have had my wages garnished to completely cover the federal loan PLUS high interest, and now I am receiving upwards of 10 phone calls a DAY to retrieve {$18000.00} for the private loan. Not only am I being harassed, but the references listed by my co-signer are also being harassed despite numerous requests to remove them from their calling list.
Congratulations on reining in Wells Fargo and making them pay for their arrogance. 
Recently while house cleaning I came across a Wells Fargo piece of mail which I had not opened since XX/XX/XXXX.

The letter mentioned that I had opened a CD for {$5100.00} on XX/XX/XXXX for a term of 3 months. The maturity date was XX/XX/XXXX. The next maturity date was for XX/XX/XXXX. 
The problem is I don't remember purchasing this CD. So I asked the branch in XXXX XXXX, MN what was the disposition of this CD. I do have a checking account with Wells Fargo which evolved into two additional savings accounts without my knowledge. 
The banker said that it's been a decade and they didn't keep records that long. She added that the bank would search the archives if possible. That's the last I heard from Wella Fargo. 
Of course I take the blame for not opening the mail and taking care of the problem a decade ago.
applied for card in XXXX XXXX Nevada, on or about XX/XX/2016 while i was at the XXXX XXXX XXXX store because it would contribute to the conservation of wild life and hunting rights. The approved credit Balance was not much but was happy to contribute. fast forward 30 -45 days after i applied there was no Card in the mail nor any statement. ( small purchase at the time of sign up ) i gave it another 15-20 days and there was no mail. i decided to call the number on the paper work that i was given at the time of application. and was able to speak to a Rep. i was treated like a debt beat because i was told that i was past due and that needed to make payment. i explained to the Rep my situation but i was told to make payment and that my credit line will also be decreased because i was late on the first payment. she would not understand anything that i would ask or requested. i paid and requested for her to send the statements and confirmed that my address was ok. i only recieved the secondary card that was mailed via overnight but not any statement or other information about the bank. fast forward today, i made payment for more than requested and was told today again that i was 60 days past due? i explained situation again to rep but she was very nasty over the phone her name is XXXX XXXX, she would not answer basic questions on my account and would answer with generic answers that would not resolve my issue. i asked to speak to manager and was transfered to a male by the name of XXXX XXXX who stated that he was a manager with conflict resolution team. i explained my problem and asked to help but was denied under the grounds that i was late ... ( payment was made 30 min prior to talking to him by phone service ) XXXX stated that i should of been on top of my account, he stated that its no Bank of Americas responsability to call customers and remind them of their payments or email them. i asked if they send notificaitons if there is an issue with an account? he said yes but i would need to set that up on the B of A website. i explained that i can not open a user password because i don't have an account number because i have never recieved a statement. XXXX said that is something i need to resolve with mail not B of A. no other assistance or guidance was provided. i feel that this is an unfair treatment and i know that there is other consumers like me that have gone thru this. please help. complain number is XXXX
XXXX credit reporting agency is not reporting my XXXX credit card account which has a XXXX   balance. They are also missing information on my XXXX credit card account. I am also complaining because an account XXXX  XXXX XXXX that was previously deleted off my report is appearing again. It is showing as an adverse account. It was deleted now its re-appearing.
Assett Recovery Associates attempted to impersonate government official-also threats made to take all my assets, wages, house property and to file felony criminal charges. illegal questions about social security number and income questions.
I 've sent a request to get validation on my current vehicle account and I 've never received a response. I 've had great payment history with this company since XX/XX/2013. They reported a XXXX day late payment and I 'm unaware of the late payment.
ear Sirs/Madams On the XXXX of this present month I received a note from the XXXX with a levy in my over drafted savings account, forXXXXXXXX I am retired and receive SS benefits {$800.00} x month, I am XXXX years old I had have filed for bankruptcy I had been living under XXXX stamps I had been received Medical benefits I am living in the poverty level I received this ; XXXX : XXXXXXXX XXXX XXXX  XXXX & XXXX I have not idea what is all about, I do not owe anything, that is my understanding I am afraid and do n't know what to do, please I need help, thank you for your time XXXX XXXX
Please see the attachment and cover letter for the CFPB. As a description this case involves a debt collector and account debtor consistently refusing to comply with consumer Creditor laws. Enclosed are several communications from and to the debt collectors. The debt collectors which include a attorney firm moonlighting as counsel for the account debtors are threatening illegal seizure to the Consumers Private Personal Property obtained for personal, family, or household purposes, which can not be seized at any point, especially a debt collector.
From the very beginning my loan servicer has been deceptive and taken an approach that has guided me towards bad decisions, including avoidable deferments and forbearance 's that were not explained. I assume this sales-ish approach is geared towards growing their fees and interest charges - and eventually their principal. I accept some responsibility for not being better educated on the subject. However, when I ran out of remedies, I was guided towards remedies that they said would only be available in default. Now that I 'm in default, I see what an awful decision that was due to fees. They also transferred lenders from American Education Services ( which is owned by Pennsylvania Higher Education ) to, none other than Pennsylvania Higher Education so that they could recapitalize fees and unpaid interest, and then charge yet another round of fees and interest on the increased principal. I do n't know if this extremely deceptive practice is legal, but it should n't be. It certainly is n't ethical to conduct a slight of hand that unfairly grows the principle amount without my knowledge. 

I feel like every stage of this process has been deceptive, misleading, and designed to gouge well-meaning borrowers like myself. I find myself stunned that any of this is legal. I borrowed about {$27000.00} for school, and now I 'm on the hook for {$41000.00} because they guided me towards default programs that charged me 19 percent up front to be treated like vagrant. And unless I can somehow pay the whole thing off, it 's going to keep growing. 

Yes I fell behind. But I had a long period of unemployment and have only recently gotten back to normalcy and a reasonable income ( which works against me apparently ). I just want them to slow the wage garnishment process because I know that EVEN MORE fees are coming with it. I am working on a way to pay the balance an roll it into a mortgage on a family home at a better rate, but it takes time. And the more they grow their piece of the pie, the more impossible this remedy becomes.
Chase Bank violated 18 U.S.C.A. s 1341, UNITED STATES CODE TITLE 18. CRIMES AND CRIMINAL PROCEDURE PART I-CRIMES, CHAPTER 63-MAIL FRAUD, SECTION 1341. Frauds and swindles,. 

i. Banks knowing and willful violation of contract by charging excessive alleged late fees ; some instances they charged over {$200.00} when the contract clearly states {$25.00} is the maximum ( if proven late ). 
ii. Bank adding the same fictitious late dates iii. Bank violating agreed interest rates iv. Banks violation of Fair Credit Reporting Act due to the banks violation of i-iii How is an item both PAID IN FULL and a CHARGED OFF? We paid the item in full. 

Paid, or paid in full, is the term applied to installment accounts, like car loans, when after the last payment is made and you have completed repayment of the loan as agreed. In both cases, the terms indicate a final status, meaning the account is no longer active and can not be used again. 
An auto loan charge-off represents an amount that the bank or other lender assesses as an outstanding debt from someone who has bought a car, truck or other vehicle on credit. Banks find the charge off amount by taking back the vehicle, reselling it, and sending the resulting amount, minus the sale price of the vehicle, to collection agencies for further attempts at collection.