WillisBack/dataset-financial-user-claim huggingface dataset:
I have a lease with  XXXX . I set up automatic withdrawal for my payments. I sent in the form and voided check to enroll. I was told it would take approximately 30 days to go through. I received a bill later on asking for a double payment. I had thought that the payments were on auto draft. It turns out the company did not withdraw the payment by the due date. I was never called or notified in writing that my account was delinquent until after a 30 day mark appeared on my credit report.     When I called  XXXX  regarding the bill, I paid the full amount due immediately.  XXXX  said that due to the misunderstanding, they would remove the 30 day mark from my credit report if I submitted a request in writing. I submitted this request roughl y 4-5 mo nths ago and have not heard back. I have called multiple times only to be bounced around departments wit h no one able to g ive me any information or answers. I also tried disputing this information from my credit report and they did not remove it. I am requesting this 30 day late mark be removed from my credit report.
I made 33 payments totaling {$19000.00} the car costs {$26000.00}. However, my balance is {$21000.00} meaning of {$19000.00} the principal applied was only {$4700.00}. Somewhere around {$3500.00} should be my interest for the 33 payments before the insurance applied the payment I should have been at {$17000.00} and some change considering that I paid for youse guys say that about XXXX and some change was applied to my principal.
On XX/XX/XXXX I received a notice from the IRS dated XX/XX/XXXX proposing changes to my XX/XX/XXXX tax return as they received Cancellation of Debt from PNC Bank National Association. 
On XX/XX/XXXX I spent countless hours on numerous phone calls with PNC Bank about the XXXX. I was given the complete run around and told the loan was so old it was no longer in their system and could not access it or give me a copy of the XXXX. 

I feel PNC Bank dropped the ball and failed to comply with RESPA and the Fair Debt Collection Practices Act. Especially, since it was during the time of the mortgage crisis. 

The XXXX that was issued is from a home equity loan that myself and my ex girlfriend XXXX XXXX XXXX took out that originated in XX/XX/XXXX for {$27000.00}, with XXXX XXXX XXXX, Doc # XXXX. 
XXXX and I ended the relationship in XX/XX/XXXX and I moved out of the subject property. XXXX continued living in the home with her new fianc and made no contact with me until XX/XX/XXXX asking that I give up interest in the subject property as she was now married and her and her Husband were both living in the home. I conveyed all interest in the Property via quit claim to XXXX XXXX XXXX. I signed the quitclaim Deed on XX/XX/XXXX. It was recorded XX/XX/XXXX in XXXX County, Document XXXX. 
After I received the notice from the IRS I was able to get copies of court documents within the last few weeks and found out that a Notice of Default and Election To Sell was recorded XX/XX/XXXX in XXXX County, Document # XXXX as XXXX defaulted on the mortgage loans in XX/XX/XXXX. The Trustees Sale occurred on XX/XX/XXXX in XXXX County, Recorded XX/XX/XXXX, Document XXXX, a forcible entry detainer was filed XX/XX/XXXX to evict XXXX from the home, and she filed a lawsuit on XX/XX/XXXX against XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX   XXXX for a wrongful foreclosure claim. The case was dismissed by the courts.
On XXXX XXXX XXXX sent a letter to XXXX XXXX dealer service and the XXXX major credit agencies certified. In the letter I asked for a detailed explanation of why I owe the balance that is listed on my credit. As of today I have not received anything however equifax did remove the account from my credit. Transunion and experian disputed the wrong account which I specifically asked which account I 'm disputing.
I went to XXXX in XX/XX/XXXX-XX/XX/XXXX i graduated with my XXXX degree. when i first signed up for the school the recruiter told me that they where a accredited school i later found out after spending a over a year enrolled with them that was not the case. i was aslo pushed into taking high intrested loans to pay for my time with the school im now over XXXX in debt and un able to pay my student loads facing wage garnishments and struggling to pay for my living expences. navient holds my personal student loans that have an 10 % and a 12 % intrest rate on them. double the fedral rate i hope that some one reads this and i hope that some one can prevent this from happening to some one else. if there are any programs that can help me please let me know and also any pending lawsuits against XXXX i would like to join them.
Equifax is reporting that an account with XXXX XXXX XXXX is 180 days late from XXXX XXXX to XXXX XXXX. In this time, this account was REPORTED IN BANKRUPTCY so it was protected. I paid on this account as per my plan to make up the late payments. The loan is now paid in full. These payments were removed from my report but reappeared last month when the loan was transferred from XXXX to XXXX XXXX XXXX. I have filed numerous complaints to Equifax for correcting then readding this faulty information. XXXX is being converted to XXXX to cover up their terrible business practices. Equifax has repeatedly said they verified this information was correct with XXXX ... BUT THEY HAVE MY BANKRUPTCY PAPERWORK AND KNOW XXXX COULD NOT BE REPORTING EVEN IF IT WAS CORRECT, WHICH IT IS NOT!
XXXX XXXX XXXX XXXX all accounts were last paid in XX/XX/XXXX. Shown on my credit report as XX/XX/XXXX but 2 of the 3 accounts are still on my report. All 3 should have been removed as they are more then 7 yrs old like XXXX and XXXX has removed them. XXXX XXXX XXXX needs to be removed as its not mine. When I tried to contact that company for more information, I received the letter back by the USPS as unable to deliver or forward on XX/XX/XXXX. So I would like to know how Equifax was able to verify it. XXXX XXXX XXXX has never responded to me.
Attorney contacted Best Buy Corporation and tried to contact Citibank regarding a Citibank My Best Buy Branded Credit Card that was open fraudulently with my birth date and SS #. XXXX XXXX, paralegal in the legal department for Best Buy stated Citibank is the owner and administrator of the credit card and Best Buy can not help with this fraud issue.

Citibank has not responded to my attorney, XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX.

I filed a report with the XXXX  Police Department on XX/XX/2018.

The fraudulent account was opened in XX/XX/2018 and I discovered it in XX/XX/2018. My credit report was corrected. However, my SS # and birthdate are still in the hands of the unknown criminals.

My attorney advised me to submit this complaint against Citibank for negligence.
Anything due with ACCTS. Linked to address of XXXX Georgia us fraudulent, I never lived at or close to that address or town
The following information is incorrectly reported on my credit report because I was on Medicad at the time of service. No income and no employment which allowed me to be on Medicad. With XXXX, TransUnion, and XXXX. 
Collection Agency XXXX Original Creditor XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$65.00} Collection Agency XXXX Original Creditor XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$110.00} Collection Agency XXXX Original Creditor XXXX XXXX XXXX XXXX PA Opened Date XXXX XXXX, XXXX Balance {$740.00} Collection Agency XXXX Original Creditor XXXX Opened Date XXXX XXXX, XXXX Balance {$75.00}
Contacted company requesting debt verification but company did not respond to request. I did not have an outstanding debt with XXXX. XXXX went into my account and took money and ended up having to give me a credit. They solicited me to get service back and I refused. Had no knowledge of debt.
I notified the bureau the XXXX account was reporting incorrect. A payment of maybe {$25.00} was due. I paid hundreds to pay the account in full and closed it. I was leaving for a few months and I Did n't want any issues with my credit. I paid the amount XXXX 's stated in their department store and closed the account. 30 days later it reported late as XXXX failed to include any odd days of interest. The bureau is reporting the account is paid, was past 30 days past due. I have NEVER been late on any accounts. I always keep low usage and I pay more than the amount requested. The bureau posted my consumer statement on my report but they are factoring the late payment when scoring my credit. They are reporting 7 months since last late. This is not correct. XXXX 's is reporting paid and closed by consumer but the XXXX time late remains and is affecting my scores which is affecting rates etc. I am requesting either delete the late payment or the payment history and rescore my report.
My home was sold at foreclosure by XXXX XXXX XXXX and they did not have authority to conduct it. WELLS FARGO previously in XX/XX/XXXX was in the process of doing a foreclosure sale but it was delayed when I was attempting to get assistance with my delinquent loan status. 
XXXX XXXX, XXXX WELLS FARGO tells me my home is owned by XXXX XXXX. 
XXXX XXXX, XXXX WELLS FARGO tells me my investor is XXXX XXXX XXXX XXXX XXXX ( my first knowledge of XXXX. ) XXXX XXXX, XXXX WELLS FARGO tells me my review for assistance was discontinued as of XXXX XXXX, XXXX because it was being service transfered to XXXX XXXX. 
Neither WELLS FARGO or XXXX XXXX will finish answering the questions about my home and as far as XXXX is concerned, XXXX XXXX XXXX is just a scam and they instructed me not to work with them. I have not seen anything that looks like a title transfer or transfer of a deed to anyone and the person who holds title to my home now is evicting me without having the legitimacy to hold a FED, due to the foreclosure sale being done by XXXX. 
XXXX XXXX XXXX XXXX, XXXX, D/B/A XXXX XXXX ... ... for XXXX is now trying to evict me as the new owner and is doing so with the same attorney as WELLS FARGO used in my Oregon Foreclosure Avoidance mediation case.
I have requested, via certified mail, that Experian and XXXX remove all old address from my credit report. There are up to nine ( 9 ) addresses that are being reported that are untrue. My correct and only address is XXXX XXXX XXXX XXXX XXXX FL XXXX.Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not re-portable as per the FCRA, since they are inaccurate.
Collection agency is pretending they are lawyers threatening lawsuit. Calling friends and family and harassing them. They wont give real names when i call the number they tell me to call, And will not send me written info when asked. Someone from XXXX collections claimed he was lawyer and when i called second time they said they work for a law firm. They give a claim number to friends and family saying i will go to jail for fraud they are scaring me. Ace checking cashing is who i owe, The telephone number they told me to call is XXXX
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT / TOO MANY IQUIRIES NOT AUTHORIZED BY ME.
The company has asked that I pay a debt for { {$140.00} } & { {$540.00} } from some healthcare centers in CA that I have never heard of! Upon repeated requests for such they can't show that I owe the debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, CMRE keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. Here are the erroneous accounts you have listed. Please delete the following : Accounts # XXXX & XXXX, ( < -- - YOU ARE ALSO DOUBLE REPORTING THE SAME ACCOUNTS TO MY CREDIT REPORTS NOT ONLY ONCE BUT TWICE!!! ) { {$540.00} } AND Accounts # # XXXX & XXXX { {$140.00} } Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. I appreciate your time and attention to this matter. Sincerely, XXXX. XXXX This companies reporting the same debt twice on my XXXX & XXXX credit reports, ( XXXX deleted them due to XXXX   noticing the ILLEGALITY of their reporting and made me aware of the activity and advised me to check my other credit reports! ). They are for the same incident and the exact same dollar amount and date. I have called this company and they can not locate me by social in their system to tell me the details of this alleged debt and so therefore I am disputing the accuracy of it. 
I have filed a lawsuit for total damages of {$18000.00} as well as filed a complaint with The XXXX   and The CA State Attorney General 's Office
Credit Collection XXXX is trying to collect a fraudulent debt on behalf of XXXX for {$600.00} I 've contected credit collection XXXX and disputed the charge with them as well as experian. 

The collection ceased for a couple months and has returned. I 've never lived at the address where these services were used and have credit fraud monitoring, a filed police report, and have never been a customer of comcast, however these services were still allowed and now CCXXXX is pinging my credit for a bad debt.
I had this credit card that was closed and paid as agreed in XX/XX/XXXX. Citibank. In XX/XX/XXXX, they sued me after reopening without my knowledge and doubles the amount owed with fees. When I called them they say they are not the one suing me, the card was sold to / Assignments rights given to Citi XXXX in XXXX and no longer owned by them. They could not even find it in their system. I ended up speaking to a XXXX in their recorders section in NY, that told me all lawsuit records are processed through her, and they Citibank is not the Plaintiff where my cases is concerned. When they, and also I did call Citi XXXX, we got the same recording that the account is handled by a outside vendor, etc .... the 3rd party vendor is the attorney firm that bought it. They have been suing me since XXXX, and this is causing XXXX and financial hardship on me an my family. My XXXX is extremely high, my doctor can even XXXX it, because I 'm constantly under this XXXX.I have paid over {$4000.00} so far, and still owe the attorney over {$4000.00}. XXXX have paid them too, just about the same amount of money and I really do n't know what my attorney office is doing. They keep passing the case around the office to their different attorneys and redoing all request afresh as a new case. 
They have all the evidence they the attorney firm suing is fraudlently using citibank from day one, and will do nothing about it. Now after 8 years of suing, and about 10 years since the card is closed, I was just told by my firm we are going to court for a trial and they, my attorney firm are withdrawing. After over {$10000.00} in fees and proof they are fraudulent, they want to withdraw? HELP, HELP.
I 've spoken to numerous representatives, supervisors and managers. All with inconsistent statements regarding my account. Some say I 'm current others say I 'm not. I 'd graduated in 2010 with a XXXX and after my deferment period, I 've commenced making payments via a payment plan. I was told that my payments will cover all loans owed. 

Recently I 've been unemployed ; however, I was able to maintain my payments. Within one ( 1 ) month, I 've spoken to several representatives and a manager with inconsistent statements. They all claim loan number XXXX ( XXXX ) is late but can not tell me exactly when I was late so I can perform research and compare my bank statements for accuracy. This loan has been reported to my credit bureau as late ; however, several representatives reviewed my account and stated that my payments were not applied correctly or misallocated causing a " late '' status on XXXX XXXX/Navient 's computer systems and derogatory information reported on my credit reports. 
The representatives offered forbearances which will generate additional interest. This is without merit due to my loans being paid on time. I 've previously disputed the " late '' accuracy multiple times through representatives, managers and Navient 's Office of Student Advocate with no avail, no ownership nor follow-up. 
I 've been unemployed for at least four ( 4 ) months and during my job search within the banking industry, my credit score will make the difference of obtaining a position. I 'm more than qualified for the positions I 've applied to ; therefore, I have no choice but to assume my credit score due to the inaccurate reporting by your company for loan # XXXX is the deciding factor. 

In addition, a representative recently deceived me into believing I was enrolled in a new payment plan when in reality I was set up to pay {$1200.00} a month automatically debited from my bank account, which is out of my payment capabilities. I 'm frustrated and exhausted with this lengthy and time-consuming struggle with your company to resolve this matter.
Experian is absolutely horrendous to deal with. They do not provide clear manners in which to reach a live customer support agent. My account with them ( which had a security freeze ) was provided a pin. I lost the pin. When I tried to lift the freeze to allow myself to get a mortgage, I was unable to do so. I needed the mortgage urgently. However, they did not provide any direct customer service manner to lift the freeze. I had to upload my Drivers License, social security number and bank statement. However, they gave no indication that they received the documents. 

They make it very easy to sign up for a paid service. However, they make it nearly impossible to remove or temporarily lift a service if you have misplaced one item. This is horrible service and results in false advertising and possibly financial hardship. One only need to go online to see how many people have trouble getting " real '' phone numbers to spake to an agent with th
I RECEIVED A LETTER STATING THAT JP MORGAN CHASE SOLD THEE MY LOAN TO XXXX ON XXXX XXXX, 2014. IS THIS INFORMATION CORRECT OR NOT.
I was contacted via text by my ex-husband on XXXX/XXXX/XXXX advising me that someone by the name of XXXX contacted him advising him that her company which is called XXXX XXXX XXXX XXXX were going to garnish my wages because of a so called unpaid payday loan from a company called CMG that I got some time in XXXX, they also contacted his sister. mother, and my mother and released the same information. When I called I was transferred to XXXX XXXX, and I asked why was n't I ever contacted she advised me it was because they had just gotten the case that week, I told her that has nothing to do with you people contacting people I 'm no longer in contact with and releasing personal information whether it bogus or not, I also advised that I have a standing credit freeze on my account due to me being a victim of identity theft, and that I never had a payday loan, she said before she hung up on me that, they have all the info they need and they will be at my place of employment to serve me with garnishment paperwork. I called the very next day XXXX/XXXX/XXXX, and got the receptionist, asked for the correct web address because I could n't find anything by searching on my on, and she refused to provide it, I also asked for a fax number so I could submit my documents from my id theft case, and she refused that as well. The number I called was XXXX.
on XX/XX/XXXX i was contacted by a person who today i found out is a scammer and i am one of his her victims. They contacted me because they saw my resume on XXXX and wanted to offer me a part time job doing XXXX XXXX XXXX. The assistance they asked me to do first to cash acheck they were sending me so i can buy stuff for a childrens home that they donate to I said okay thats terrific i get this opportunity! i have a XXXX so my heart was in good intentions. then i got the check and she siad to cash it and then theyll send me the list of what to buy. I went to my bank becuase i figured if the check was didnt have funds that they wouldnt cash it. However now after the fact of me being scammed i find out that the banks cash the check without knowing if the check has sufficient funds and if it returned they would just deduct it from my account. VERY UNFORTUNATE as a cosummer that this info is not giving prior to cashing the check. I cashed the check friday and scammer told me to deposit the cash to a XXXX XXXX account and they sent me the account info ( attached you will see the account number and all communication i had with scammer ) so i did and took a picture of the receipt and told them that the money was deposited. Wednesday my account is $ XXXX XXXX!!!! i immideately contacted the scammer and no answer at all and i texted them i was going to file a report and they replied back saying they will take care of it thursday. and i with still hope this was a nightmare i waited but nothing. so i called bank of america and told them of the insident and all they did was write it down and did not give me a case # and have not contacted me as of today friday XXXX XXXX. i called XXXX XXXX and they had me on hold for hours and i have not been able to get any response i have no funds to even eat! please help me!!
my account is in error which is reporting 30 days late for XXXX XXXX.
We had set up where the last day of the month the payment was automatically paid. So on XX/XX/2018 {$1200.00}, which was the payment amount, was taken from the bank. On XX/XX/2018 they took out {$1200.00}, which was the payment amount, again. So the bank, XXXX XXXX XXXX, stopped all money going out. My husband called SLS Mortgage to try to fix the problem. They said they would but they haven't tried to fix it. So we went to XXXX XXXXXXXX XXXX and they worked with us for an hour, but bottom of line, we have to try to fix it with SLS Mortgage. They told XXXX to call them and try to straighten it out. So he called them and it was not satisfactory. They told him they would send a check on XX/XX/XXXX. Hopefully they will, but in the meantime we can't do anything because of the {$1200.00}, which is still there. We can't even buy food, we can't do anything, because SLS has blocked everything. 
XXXX XXXXXXXX XXXX advised us not to have the money automatically paid because it can cause problems like this. So we cancelled this but it doesn't help the problem right now. 
This is not the first time this has happened. It happened three or so months ago but at that time the company was easier to work with. Now it's really scarry because how many more times will this happen?

We feel we are caught between a rock and a hard place because we don't trust SLS. And they are not good to work with. This is not a problem we made, it was their doing, and they treat us like it's all our problem. In the meantime we have to try to figure out how to keep from 100 percent ruining our credit and even worse, getting food to eat.
I have some medical bills that was sent to collection due to non-payment as my employment ended/changed. I needed time to get back my feet. The last month I had paid what I owed based on what was showing on my credit history. I paid the balance off and last Friday I received another notification about another medical bill. I was trying to obtain some information and the lady that I was speaking with was very rude and unprofessional. She was very combative and would not allow me to speak. I was getting frustrated because of the way I was treated. I ended the call as I was not being treated with respect.