WillisBack/dataset-financial-user-claim huggingface dataset:
My first letter from the collection agency received in XX/XX/XXXX, which was dated XX/XX/XXXX. I received a statement for {$510.00}, and the letter stated intent to record a claim of lien. I immediately sent the initial dispute XX/XX/XXXX, as the amount due to the management company was paid as agreed of {$210.00}. I was disputing the interest, mail charges and other charges for a total of {$300.00}, and supplied a copy of the cashed check the management company received. We had made an arrangement to pay late and advised payment would be sent in XX/XX/XXXX due to damage from Hurricane Irma. 

Ticket was created XX/XX/XXXX, to dispute these charges. I Received response from collection agency on XX/XX/XXXX waiting on reply from management company, if no response case would be closed. XX/XX/XXXX, received notice of second request sent to management company, once again collection agency advised me if no response case would be closed. 

In the meantime I received a statement from the management company dated XX/XX/XXXX, showing they received the payment and there was a XXXX balance. 

XX/XX/XXXX, collection agency sent a response received from the management company and attached an invoice showing a XXXX  balance from management company. 

XX/XX/XXXX, I confirmed response and supplied all supporting documents to confirm payment was made and there were no fees due from the management company. 

XX/XX/XXXX, collection agency asked for proof and sent me a new invoice and added a {$100.00} fee XX/XX/XXXX, saying interest due. I sent a follow up the same day once again showing the initial payment dates and times of the initial payment arrangement and the invoice dated XX/XX/XXXX, showing a zero balance. I also disputed the additional {$100.00} because my ticket was still in dispute and we never heard back from the management company supposedly until XX/XX/XXXX. 

XX/XX/XXXX, collection agency sent response stating dispute being reviewed. 

XX/XX/XXXX, collection agency stated {$100.00} could be reversed since this was in dispute and stated I had to show burden of proof and they would ask management company for updated ledger. 

XX/XX/XXXX, I sent response with all supporting documents and provided my burden of proof they request. 

I never heard back from the collection agency with an updated balance, they never reversed the {$100.00} fee while I was in dispute and on XX/XX/XXXX, I received a letter from the collection agency stating a lien has been filed on my property, and I owe {$1200.00} by XX/XX/XXXX. The last I heard was my file was in dispute and I was awaiting an updated ledger. 

There is no breakdown of the {$1200.00}, and during this time my case was in dispute.
A few years ago, I lived at an apartment in XXXX, NJ and used XXXX XXXX XXXX as electric/gas service provider. Upon leaving that apartment in XXXX 2014, I paid the balance owed on my account. A full year later, I received a call from a collection agency stating I had a balance owed which I immediately disputed and requested proof of debt. They never provided me this information and ultimately lifted the collection from my credit report. Now another year later, I noticed a new collection account had been added to my report for the same balance in question to which I disputed with the credit bureau. Keep in mind, this new credit agency never contacted me prior to placing this new collection on my account and has also never provided me proof of any debt that I owe. These companies should not be able to report whatever they wish on one 's credit report without substantiation while giving the consumer no recourse. Please help!
Hi, My problem is with Walmart/Synchrony Store Credit  Card. 
I was promised a {$25.00} statement credit for signup. That never happened after signed up. Thats problem # 1. 

Now the credit are repeatedly assessing $ 50+ late fee every month after payments above minimum required was shown in online statement. Also, automatic payment was also setup to automatically make payments. 

The fraud of this store card is that its limited to {$100.00} credit limit. Yet they were creative in popping my balance with fees to above {$100.00} limit. 

I spoke with a manager over the phone and she's seems unwilling to help or even acknowledge the erroneous fees with a " XXXX u '' attitude over the phone. I ask them to freeze all activity while investigating it. Yet they refused and then ruin my credit report score after the phone call. This store card unit is very vicious and fraudulent. 

I respectfully seek the help of the CSFB to rectify all the problems here. 
# 1. Remove all the erroneous late fees and continued fees after call to manager. 
# 2. Remove all negative erroneous entries on my credit report after call to manager. 
# 3. Assess heavy regulatory fines on to this organization that creatively make financial problems for consumers.

# 4. Where is my statement credit for signup.

# 5. Close this card that still continue to negative financial things after talking to manager to cease and desist all these activities. 


In relative context, I have other credit cards that have limits much higher than this {$100.00} store card ( Walmart/Synchrony ). This organization 's store card is problem pit and should be fined heavily and removed from consumer markets. They got my attention and I am putting effort in fix it and tell consumers not to patronize this.
Diversified Consultants also known as XXXX has placed a collection on all three of my credit reports. They first sent me to a collection agency for the amount of {$240.00}. I responded with a letter and a copy of my receipt proving termination of services on XX/XX/XXXX. They continued to sell this so called debt to numerous collection agency 's and I  continued to mail my letter and receipt. After two years it is now on my credit reports. I mailed my receipt and letter to credit bureaus they did nothing. XXXX continued to bill me for cable services after I personally returned equipment and terminated services and have a RECEIPT!
I am not able to meet my monthly payments due to me working part time. Navient refuses to understand my economical hardship.
I was approved for a payday loan with blue chip financial/XXXX XXXX..InXX/XX/XXXX for XXXX dollars.. This company violated section 3-3 ( a ) of the payday loan reform act in the state of Illinois which clearly states for a business to act as a payday lender in the state of Illinois, this business must be licensed with the department of financial and professional regulation which this company is not. XXXX further violated section 1 of the payday loan reform act by offering, making or arranging payday loans to consumers to state of Illinois without obtaining a nd applying for the required license by the Illinois department of professional regulation therefore making this loan illegal in the state of Illinois.This company further violated a cease and desist order which was issued on XX/XX/XXXX which states the spotloan will cease and desist collecting on any payday loans given to consumers on or afterXX/XX/XXXX
On XXXX/XXXX/2016 have been in a hardship situation I spoke to several representatives at ACT ( Account Control Technology ) The rep did not offer me any options outside of a Debt Consolidation for my Defaulted student Loans with the Dept of Education. I am currently unable to pay a High ( {$530.00} for 3 months ) amount that is being charged by this third party collection agency company to resolve my balance and come out of default. I have a complaint that violated 805 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) because the message disclosed the existence of a debt to a third party. I had a message left on a voice to someone who was not me. ACT misinformed me about how to get a federal student loan out of default. ACT lie to or mislead me about the ability to get a federal student loan out of default. A federal student loan is considered to be in " default '' if the borrower goes 270 days without making a payment. Once the loan is in default, a 25 % collection fee may be tacked on. A borrower may also be able to get the loans out of default by consolidating into a single loan. ACT adviced me that there 's nothing they can do to get the loan out of default, and did n't tell me about all of their options, which violate the FDCPA.
It shows on My Experian report XXXX XXXX XXXX is reporting loans account # XXXX a 90 days late as XX/XX/XXXX. I have dispute the information with Experian and they sent a letter stating the information were correct with no proof. I also reach out to XXXXXXXX XXXX XXXX XXXX XXXX of times, they also stated the information were correct. I spoke with a Rep XX/XX/XXXX. She stated she will open another dispute and will reach back out when dispute is finalized. I have not received an email or notification regarding this matter. My account never been late I always had my account in Deferment or forbearance status. There is no way I could have fell in a 90 day late status
When I pay more than the minimum payment, the card company is applying my payments to the XXXX interest balance first then to the higher interest balances only after the XXXX interest balances are paid off. I thought this was against the law. I noticed my higher interest balances were not changing in spite of me paying more than the minimum payments, so last week I finally had someone at the CC company tell me this is what they were doing.
In the matter of : XXXX XXXX XXXX Chapter XXXX Bankruptcy Case No. XXXX Discharge Date : XXXX XXXX, 2014 After reviewing my credit report I have found information, which needs corrected. ERC is illegally reporting a collection on my credit report due to the account being discharged in my Chapter XXXX bankruptcy. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report. I am also enclosing a copy of my discharge of debtor form following completion of my Chapter XXXX bankruptcy, discharged on XXXX XXXX, 2014. 

The account ERC is illegally attempting to collect on is as follows : XXXX XXXX XXXX. XXXX XXXX, IL XXXX Amount of dispute - {$240.00} Reference # XXXX Collection attempts on a discharged debt is a violation of the FCRA and a violation of the permanent injunction of my discharge. I am requesting that the item be deleted to correct the information. Thank you for your assistance with this matter. 
Here is the contact information for my bankruptcy lawyer XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Arizona XXXX XXXX : XXXX Fax : XXXX
I was charged 3 overdraft fees of XXXX dollars each by my bank Huntington. When the transactions are placed in the chronological order of the transaction being placed then my checking account was in fact not overdrawn at any time and the account was a positive amount. 

Huntington bank refunded me XXXX dollars of the XXXX dollars I was charged. 

I am asking for the remaining XXXX dollars to be refunded to my account since my account was never overdrawn and positive. ' I have enclosed the screen shot with the accounting showing the correct chronological order of transactions and the corresponding balance.
Was not given correct or adequate information on loan repayment options and have had issues with payments not being deducted from loan amounts
USAA is in the practice of : Depositing personal checks via their mobile app. 
The funds are deposited and the app will inform you the funds are available immediately. 

USAA then claims the right to place that deposit on a funds hold at a later date without any kind of notice. The consumer is required to check back in at any random time to find funds are no longer available for use. 

I will then write a personal check to pay a bill, and that check will bounce. I 'll look to find that my money is no longer available to me. My bank has made some unexplained determination that they will hold funds for 10 days. Because my funds were not available they charge me an NSF fee three times. After asking for an explanation, I 'm told there is none, but that I 've agreed to this policy. 

Then they release my funds after all three attempts have been made. 

I find this practice to be fraudulent because I 'm given notice that they have my funds and I 'm not given any notice that they will be held at some point. USAA then takes an action that results in their keeping my money as a result of the arbitrary action they 've taken. This seems very corrupted to me. Despite their claim that I 've consented to this system of abuse, I believe the matter is larger than just my individual experience.
Below is a copy/paste of the email I sent to EQUIFAX Three days ago I tried to login to the system and was told my password was wrong. 
I requested a reset from your site twice and never got the email? 
I then emailed you for assistance and never got a reply. 

For two days your phone number XXXX was ringing busy. 
Today i got thru and sat on hold for a full hour with no answer. 

For three days now the website has been posting this error System Unavailable We are unable to process your request at this time. Please try again soon. 

XXXX XXXX XXXX
I had an account through Best Buy with citi bank. I opened the account XX/XX/2016, the account was suddenly closed in XX/XX/2016. I did not know why. I couldnt use the card, I couldnt access my online account and I was denied information over the phone. After a few months, around a year I was able to speak with someone who allowed me to settle the debt over the phone once it hit my credit. I am in the middle of trying to purchase a home but this account is hurting me. They told me this account was reporting late payments just a few months ago. This account was CLOSED in  XX/XX/XXXX, even if the balance hasnt been paid off how are payments late on a closed account? After hours of speaking to customer service yesterday I was told that the owner of the account was deceased. I am not deceased. They told me they closed my account under error and that the account details say Im deceased. They said they would re open the account but I need the late payments removed now so that I can buy a home. 

After all of this, I cant even get a credit card statement from customer service because I am listed as dead. So I can give no proof to my lender. All customer service ended up giving me was an address to mail my situation to. I need this resolved now! Not in 30 - 90 days!!
We received a purchase contract on XXXX XXXX, 2015. SPS is the XXXX lienholder and for over a year we can not get a short sale approval. The XXXX Lienholder will not issue a short sale approval until the XXXX lienholder releases their short sale approval. I filed a complaint with the Ombudsman Department at SPS and I called in today to make sure they have received my complaint and a Rep. in the Ombudsman Department named XXXX told me that they will never issue a short sale approval until the XXXX Lienholder sends out their approval XXXX. I have both lienholders telling me that neither one will ever issue an approval until the other one does first. The XXXX Lienholder is a Conventional Private Investor. The Buyer has been hanging on for over a year and the seller has cooperated and provided everything needed for the file. I will be reaching out to our Liaison with our local Sentor 's office as well. Please help!!
I traded in a XXXX I had on lease early. During the process I contacted XXXX XXXX several times to make sure of exact amounts and how to pay. The dealer did not pay the termination fee as agreed. When I saw the error I immediately called XXXX and was told not to worry they do not report termination fees as late till 120 days. After contacting the dealer I logged onto my XXXX account online and paid the termination fee. My account screen reflected a XXXX balance. Now months after the lease was paid off early I receive a notice from equifax XXXX reported me 30 days late in XX/XX/2016, 90 days late in XX/XX/2016 and 180days late from XX/XX/2016 through XX/XX/2016 when I made my final two payments early. 

This gross error has cost my credit score to plummet! At no time during several conversations with XXXX was I told my account was delinquent. XXXX never called me once over a 18 month period to tell me my account was delinquent. At no time during that period when I logged online did my account show delinquent. 

I feel XXXX XXXX has violated the FCRA and should be held accountable
This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account, however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.
When I am sending money from Western Union using Mobile application, they are giving different/lower rate, while when I send money from Westernunion.com website. It shows different rate. 
I thought mobile app is only for purpose of making it easy as Western Union never mentioned about rate differential/reduction if we are transferring it via mobile app.
XX/XX/XXXX credit reporting shows account open. 
XX/XX/XXXX credit reporting shows account closed and states that a foreclosure action has begun, Which is incorrect, the foreclosure action what started XX/XX/XXXX. 
XX/XX/XXXX credit reporting states they count remains closed. 
XX/XX/XXXX credit reporting shows that the mortgage account had been removed from my credit report, even though the foreclosure action was still in litigation in court. 
I have requested from Ocwen loan servicing accounts relationship manager, XXXX XXXX, to investigate why the account was closed and removed from my credit report. At present a formal investigation has not begun and it XXXX XXXX insist that the account is still open and litigation remains in court.
I have received multiple calls, some very late at night, from Trident. I finally called back and they answered " Hello? '' Hardly sounded like a legitimate collections agency. They claimed I had a debt in collections from a bounced check. This check was never written by me, and was supposedly written to XXXX stores in XXXX XXXX, as I was living in XXXX. I explained that this was not my check and it must have been made fraudulently. They claimed it was my responsibility. I called my bank and they have no corresponding check with the check number I got from Trident ( after pushing them ). I also called the bank that they said requested my debt- XXXX XXXX. XXXX had no idea what debt I was referring to and stated I had no debt with them. Trident is collecting false debts that are not validated or actual debts. They did not give me a license number when I requested and instead hung up. They were extremely unprofessional and do not seem to be a real company. They did not verify the debt in my name in any way but knew my social security number It is very concerning. I do not owe anything and do not want this on my credit report, as I have not collected a debt anywhere.
AD Asta- {$760.00} XXXX XXXX XXXX - {$230.00} In reference to the accounts ; the contract is cancelled, the dates reported are in correct. These accounts are 7- 8 years old.
Only received an 2015 IRS Form XXXX from Pinnacle Credit Services , LLC for XXXX for {$670.00}, ( Line XXXX ) date of debt discharged XXXX/XXXX/2015. This is the first and only correspondence. 
The XXXX was addressed to " XXXX ''.
In CFPB complaint XXXX XXXX XXXX  was complained about as the collector for XXXX the original creditor.PLEASE SEE ATTACHMENTS.As the desired result of the complaint this collection was removed from my credit reports. 
As the attachments explain the collection was unfair and fraudulent.Now after the deletion of XXXX XXXX  another collector XXXX XXXX acct no XXXX has appeared on my credit reports attempting to collect for the same debt.This account should be removed.
I have a Wells Fargo mortgage. I sold my property and escrow closed on XXXX XXXX, XXXX. I was using the Wells Fargo XXXX system to pay the monthly mortgage. Wells Fargo sent an XXXX to my account on XXXX XXXX, XXXX which was due on XXXX. 

Since the system is XXXX, I am expecting that the system works properly and that, when the escrow closed, the XXXX that was sent XXXX would have been marked as either paid or rescinded since the escrow closed XXXX. Instead, Wells Fargo withdrew {$2000.00} from my account on XXXX. 

When I spoke with Wells Fargo, they told me that it 's my responsibility to turn off XXXX  after the close of escrow and that, in fact, if I never turn off the XXXX, Wells Fargo will continue withdrawing {$2000.00} from my account every month. 

That is insane! When you sign up for XXXX, you are relying on the companies and computers to take care of all the details. That 's why you sign up for such a thing. And I certainly would never expect that a company would continue sending invalid bills after the close of escrow and stealing my money. I would n't be surprised if Wells Fargo does this on thousands of accounts across the country. 

I would be very grateful if CFPB would investigate this situation and have Wells Fargo fix their XXXX and mortgage systems. 

Thank you. 

XXXX XXXX
I purchase a used car at a used car lot. Santander Consumer USA was the only agency that would lend me the amount I needed XXXXXXXXat 25 % interest. Once I got on my feet and able to make the necessary payments which I did I needed to refinance the loan. they say they do not allow refinancing. 7 years later after making all my payments I still owed XXXX XXXX. I finally went to XXXX XXXX who accepted the trade in of my XXXX XXXX XXXX with XXXX miles on it for XXXX XXXX Santander is a predatory lending company and took advantage of me and my situation to make a profit. I have paid XXXX XXXX for that car over the last 7 years. I am finally out from under the car. Thank XXXX. What a mess! I have heard about all the class action lawsuits. I should of been a part of them. How do I go about getting some of the money back for the predatory lending and the harassing collection calls when I did fall behind? 

They also front loaded the interest which kept my balance owed extremely high.
My payment is due on XX/XX/XXXX of each month. I had a payment scheduled on XX/XX/XXXX for XX/XX/XXXX on XX/XX/XXXX an email was sent to the co-borrower stating that a payment had not been made. The account was not even 10 days late. My Dad, the co-borrower, made an additional payment, on top of the one i had already made. Something needs to be in place to show pending/ schedule payments. This is ridiculous!