WillisBack/dataset-financial-user-claim huggingface dataset:
AmSher Collections At around XXXX Pacific XXXX XXXX, 2017, I spoke with XXXX in the XXXX section, ID # XXXX. He told me it would take 15-30 days after payment for it to be marked as paid on my credit report. I requested a receipt after giving my credit card number and agreed to pay my debt. I also gave him my new mailing address. He stated it should take 5-7 business days for me to receive written confirmation of payment from AmSher. 

By XXXX XXXX, I had not received any receipt but had the payment to AmSher listed on my credit card statement. At around XXXX Pacific on XXXX XXXX, 2017, I spoke with XXXX and then his manager, XXXX XXXX. XXXX told me that " the letter was n't generated. '' I asked if a letter was sent out at all. " No, ma'am. '' He confirmed my new address. I asked if this was a widespread issue where AmSher does n't send out receipts. XXXX said no. He said he would escalate the issue to XXXX XXXX, Director of Operations, and the compliance officer. He also required an email where I could provide permission to contact me via email before he could send a receipt via email. 

I would like to file a complaint stating that the debt collection agency did not send a receipt for my payment, even after my request, and made me send a letter allowing permission to contact me via email before sending me anything via email.
I received a statement from Citi Bank stating I had a balance due on my Credit Card. I paid the balance in FULL by the due date. I then received a statement with a balance. I contacted Citi bank and they said " that was the balance due from the time they mailed the statement to the time they received payment ''. I did verify that they did receive my payment before the due date. If thats the case, how will I ever pay this off? I go online, my account says " Balance Due '' and provides a due date. If I pay it in full by that date, it should be satisfied. They continue to bill me interest charges. I pull the bill online to get the most up to date information and pay that. Then I receive a bill for interest. I have tried to resolve this with them even by calling and trying to pay in full over the phone. NO LUCK!
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open:XX/XX/2016 Balance : {$12000.00} Company : XXXX XXXX XXXX  XXXX Account XXXX XXXX Date Open:XX/XX/2016 Balance : {$1100.00} Company : XXXX  Account # : XXXX Date Open : XX/XX/2016 Balance : {$2000.00}
I am with the GAp credit card for more than 7 years. I always pay my bills on time. In the month of XXXX, I was XXXX till XXXX. I called and made a XXXX payement for XXXX, and then called back XXXX XXXX for a XXXX 2016 payement as I was XXXX. I have the confirmation number, I am in shock as I received a letter from synchrony bank, stating that I cancelled the account, when I had a balance which I have never done. I spoke to a supervisor named XXXX ( employee # XXXX ) only to be informed that he could do nothing, to retrieve the conversation reflecting that I closed the account. Do you think this is fair to a consumer that these corporations not only charge interest, but falsely accuse u of closing an account.
On XXXX/XXXX/2013 I went to the ATM to withdraw {$30.00} from my account it was declined because there was only {$20.00} available on this day I withdrew the {$20.00}. On XXXX/XXXX/2013 I had a XXXX however I received a notice from bank of America XXXX/XXXX/2013 stating that I had overdrew my account by {$8000.00}. How is this possible when I could n't withdraw my account by {$10.00}. I visited the bank and filled out paperwork disputing the charges I was told everything was ok. I have since tried to open an account and have been declined, and was told that I could n't open an account nowhere in the United States, This was told to me by an employee of Consumer Finance. I ask that you please help me in this situation it is not fair that I am being wrongfully accused of an action I did not caused. This has drastically hurt me I have been homeless and hungry at the time in question and {$8000.00} could have really helped me, this situation has caused me pain and suffering.
I have a Paypal Smart Connect account and also had a PayPal credit card which I was told were two different things. My credit card account was closed over a year ago because I never used it. However, I do have a balance on my Smart Connect account which I pay on time every month. Recently I noticed that the bank was consistently taking out a fee for {$47.00} on the credit card even though the card had been closed. I was told that I signed up for this security fee in 2013 when the card was obtained ; however, I have no recollection or knowledge of agreeing to pay {$47.00} a month. When I called about it I was told that I would be issued a check within 30 days for XXXX. That check was never issued to me. Instead my Paypal Smart Connect credit limit was dropped from XXXX to XXXX. A third party company named XXXX XXXX ( Synchrony Bank ) apparently took the money that they owed me and put it on my Smart Connect account, although my account has never been behind. Then I conveniently received a letter stating that my credit limit was dropped again conveniently by XXXX. They gave the reason as being I have a high debt to ratio even though I have not been late with any payments. Also, they do not know what has occurred in my life in the past year, and it is extremely insensitive that banks can bully and treat good customers in this manner. I feel as though the way the bank did this was underhanded and unethical. They took money from me every month to pay fees on a card that no longer existed. They never paid me back the money, but lowered my credit limit and took the money, claiming to have put it on my Smart Connect account which I did not authorize. In addition, my credit report does not show that XXXX came off of my debt. It shows that my credit limit is XXXX. Also, there is no record on my Paypal account that this payment was made. Even though this payment was made, the bank still required me to make another payment on my account of {$70.00} a few days after they received XXXX.
The debt collector called me stating that I owed money for a Paypal account that I have. I paid the account off in XXXX but left the account open. The agency stated that there were charges on the account and described things that had been ordered and sent to my address. I immediately thought my identity had been stolen. Upon calling Paypal I found that the account had a XXXX balance and there had been no charges. I closed the account as a precaution, this all happened today, XXXX/XXXX/XXXX. The agency that called, once I advised that the purchases were not mine, stated that they would open a fraud case, they verified my address, phone and email. Paypal advised me that they were the frauds and they were aware of what was going on.
I noticed that Experian had, unbeknownst ( and unauthorized ) by me, had signed me up for monthly credit monitoring. I did n't notice it until the second month, at which time I contacted the company. I was able to get the account cancelled and to get the second month 's charges reversed. However, the customer service rep was " unable '' to reverse the first month 's charges. She transferred me to a supervisor, but that person never picked up, so I abandoned the call and submitted a dispute through my credit card company. I 'm still waiting for the results.
There are two hard inquiries on my credit report from the same company : Credco. The inquiries are 3 days apart.One in XX/XX/XXXX and one XX/XX/XXXX. There 's also one inquiry from XXXX XXXX XXXX on XX/XX/XXXX that was n't approved. I have credit cards with XXXX but they 're old and there 's no reason for a new inquiry, especially if I was n't notified.
I have tried to go directly to the credit reporting agencies and they have simply ignored my request to correct all of the incorrect data. I am coming to you in hopes that you will be able to help me to get them to do what they should have done already. Please remove all incorrect information reporting on my credit report. The following accounts are reporting incorrect information : XXXX XXXX XXXX : XXXXWhat are the terms and past due amount?? My records do not show that I was late XX/XX/XXXX & XX/XX/2015. Show proof or delete. 

XXXX XXXX XXXX : XXXXWhat are the terms and past due amount?? My records do not show that I was late XX/XX/XXXX & XX/XX/2015. Show proof or delete. 

XXXX XXXX : XXXXWhat are the credit limit and past due amounts?? I was not late XXXX 2015. You are reporting improperly. Delete. 

XXXX : XXXXYou are reporting this negatively but you are n't showing any lates. Either report correctly or delete. 

Dept Ed/XXXX : XXXXWhat is the monthly payment and credit limit?? You are showing that I was current but the very next month 90 days late. Where is the 30 and 60 day lates? Either way ... this is past the statute of limitations!!! 

XXXX XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. Fix or delete. 

XXXX XXXX XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. Fix or delete. 

XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. There are XXXX of these ... delete the duplicate immediately. 

I would like them to fix or remove these items right away. I appreciate all of your help. Thank you for everything you do.
We remitted payment to a vendor in their name at the remittance address they requested. The check was cashed ( less than {$1500.00} ). They claim they never received it. 

The Company XXXX repeatedly continues to contact our offices even though we continually informed them that payment was made and to stop calling our offices and that we consider the continued phone calls to be harassment
Bank of America is engaging in fraudulent activity when consumers apply for their credit cards. In XX/XX/XXXX I applied for the Bank of America XXXX  Signature credit card and was not approved. However, Bank of America automatically approved me for the Bank of America XXXX Platinum Plus card. This is an entirely different product with a different annual fee and different features. At no point in time did I apply for this card, nevertheless Bank of America opened it in my name and it appears on my credit report.
I received a letter from " Customer Care '' in regards to my Elan credit card. The letter was about a refund in regards to the following link : XXXXI checked my credit card statement and noticed they refunded me {$1.00}. I called both " Customer Care '' and Elan and neither could tell me how the refund was calculated or tell me how much I had been charged for the services I did n't receive. They basically said that 's your refund and be happy with it. The supervisor at Elan told me that Elan had nothing to do with this and she had no idea how the refund was calculated and basically that it was n't their fault. Some type of account review or calculation had to be done to determine the amount of each refund. I think as a consumer who was affected by this, I should be allowed to see how they calculated my refund. And also they should have to show me exactly when I was charged and how much. The people I spoke to at Elan are just passing the responsibility and claiming ignorance of the situation.
Today, XX/XX/2019 we used a service on our Wells Fargo app called XXXX. We used it to attempt to buy concert tickets for {$150.00}. We foolishly believed it to be safe because it was offered through our own bank and was offered on the app as a safe and secure way to send money. Immediately after sending the money the person offering the tickets dissappeared. At this point we looked in to XXXX online and discovered the multitude of scams. We called Wells Fargo and filed a claim but they said there really isnt anything they can do because we authorized the transaction. We tried to talk to XXXX and they said there is nothing they can do. I understand if we cant get our money back, but I find it shocking that they say there is nothing that they can do. I would think that they would want to try to track down the scammers and shut down their accounts. They didnt even bother to take down any information. If the scammers are allowed to continue to do this with impunity, it will just keep happening to unsuspecting victims. I dont understand why they wouldnt want to try to put a stop to this type of activity. Additionally, as a service that is provided through my financial institution and is touted as safe and secure I would think that my bank would want to make every possible effort to try to put an end to scams. They should definitely make it more clear that there is absolutely no protection, but additionally, they should actively try to peruse action against the perpetrators of these crimes.
My loan contract specifies that the lender/loan servicer may force place insurance for an amount no greater than the principal balance of the loan. The annual premium for the insurance should be significantly less than {$500.00} annually based on the principal balance of approximately {$110000.00} as of XXXX XXXX, XXXX and {$100000.00} as of XXXX XXXX, XXXX. Nationstar is charging me approximately {$7000.00} annually, which is equal to 7 % of the principal balance! 

When Nationstar assumed this loan ( XXXX XXXX, XXXX ) they rejected my usual payment which I make through an automatic schedule with my internet bill paying service. I was unaware that Nationstar had rejected my regular payment until I received a collection call. The caller stated that my regular payment was " insufficient '' and that Nationstar required an additional {$260.00} per month. The caller told me that my real estate taxes had apparently increased. I knew that was not true so I asked to be transferred to the Insurance Department whom I informed that I did not wish insurance beyond that required by my contract. I was not named as Insured when Nationstar assumed this loan, why it decided to make that unilateral change is a mystery ( unless there is a profit in it for Nationstar ). 

Despite two more phone calls to protest and promises that the monthly billing would be adjusted to reflect the change, Nationstar has continued to bill me for insurance that I did not request and to which I did not consent. If I do not include the additional {$260.00} per month with my regular payment, Nationstar will not post my payment. This is extortion.
Received a notice of the debt in XXXX with no other validation. After my research I have discovered that this entity is not authorized in the state of XXXX to collect a debt, as they are not licensed or bonded by state guidelines.
XXXX XXXX have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that XXXX XXXX is reporting not them, but when ask XXXX XXXX tell me my account is no longer with them and All Tran has it. So if that's the case why is XXXX XXXX reporting late payments to the bureau and I have paid my balance with All Tran.
I am getting harassed. Below are just some of the dates of the calls.. 
XX/XX/18, XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18. This is getting out of control. When I pick up, it's automated and they make me wait. I left a message telling them to stop calling.. I blocked their number, but they keep calling me! 
The company is Action Collection XXXX XXXX.
Student loan from XXXX was paid off over ten years ago and this account still show on my credit report this account is to old to be on my report
Bayview Loan Servicing has provided fraudulent Documentation of Notes and Deeds, Holder Status and broken Chain of Assignment. BAYVIEW LOAN SERVICING LLC HAS FAILED TO DO THE FOLLOWING 1. ) BAYVIEW LOAN SERVICING LLC has failed to implement processes to ensure that Servicer or the foreclosing entity has a documented enforceable interest in the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the foreclosure action. 2. ) BAYVIEW LOAN SERVICING LLC has failed to include a statement in a pleading, affidavit of indebtedness or similar affidavits in court foreclosure proceedings setting forth the basis for asserting that the foreclosing party has the right to foreclose. 3. ) BAYVIEW LOAN SERVICING LLC has failed to set forth the information establishing the partys right to foreclose as set forth in XXXX in a communication to be sent to the borrower as indicated in XXXX 4. ) BAYVIEW LOAN SERVICING LLC has failed to comply with the following : If the original note is lost or otherwise unavailable, Servicer shall comply with applicable law in an attempt to establish ownership of the note and the right to enforcement. Servicer shall ensure good faith efforts to obtain or locate a note lost while in the possession of Servicer or Servicers agent and shall ensure that Servicer and Servicers agents who are expected to have possession of notes or assignments of mortgage on behalf of Servicer adopt procedures that are designed to provide assurance that the Servicer or Servicers agent would locate a note or assignment of mortgage if it is in the possession or control of the Servicer or Servicers agent, as the case may be. In the event that Servicer prepares or causes to be prepared a lost note or lost assignment affidavit with respect to an original note or assignment lost while in Servicers control, Servicer shall use good faith efforts to obtain or locate the note or assignment in accordance with its procedures. In the affidavit, sworn statement or other filing documenting the lost note or assignment, Servicer shall recite that Servicer has made a good faith effort in accordance with its procedures for locating the lost note or assignment. 5. ) BAYVIEW LOAN SERVICING LLC has intentionally provided us through XXXX XXXX XXXX, Bayview Loan Servicing LLC, Consumer Financial Protection Bureau and the United States Mail, multiple fraudulent deeds and fraudulent notes in responding to complaints. Therefore, XXXX XXXX XXXX trying to trick us and the Consumer Financial Protection Bureau into believing fraudulent deeds and fraudulent notes are authentic because XXXX XXXX XXXX provided them through the CFPB but they are not. 6. ) BAYVIEW LOAN SERVICING LLC has failed to ensure that mortgage assignments executed by or on behalf of Servicer are executed with appropriate legal authority, accurately reflective of the completed transaction and properly acknowledged.
I have been working with a very large and prominent XXXX for several years now as a valued XXXX. They have brought me almost 75 % of my business in the past three years. Yesterday, the Director of the organization sent me an email that I will copy and paste below : Hello XXXX, XXXX XXXX of XXXX ( XXXX XXXX XXXX XXXX ) called me trying to reach you. Her number is XXXX XXXX. 

When I inquired about why I was listed as a contact she told me that her records indicate that the XXXX is a partner for your XXXX XXXX? I dont mind being personally listed as a reference but it is false to claim that the XXXX is in partnership with your company. Please correct on your end making sure to clarify that information with XXXX XXXX and any others that may be under that impression. 

Best regards, XXXX She also told the director that she had " ... spoken with me a few days before and needed to have a follow-up conversation with me about the important business matter placed in her office ... '' for debt collections. This is a lie, as I never even knew I had a debt owed to this company. Even the more so, if they had spoken to me about my debt, why would they try to reach me on another number? 

This is a direct violation of The Family Educational Rights and Privacy Ac

t of 1974 ( FERPA ) [ 20 USC 1232g ; 34 CFR 99 ], also known as the Buckley Amendment, which protects the privacy of student educational records, including financial aid application forms and other financial aid records pertaining to the student ( assuming they are calling for student loans ). This is also an indirect violation of The Fair Debt Collection Practices Act ( FDCPA ) [ 15 USC 1692 et seq ; P.L. 104-208 ] which sets rules that protect consumers from abusive debt collection practices. It also enables consumers to dispute debts, demand verification of the debt and to demand ( in writing ) that the debt collectors stop contacting the consumer ( other than to notify the consumer about specific actions the debt collector is taking, such as filing suit against the consumer ).
I promptly notified the company and they refused to speak to me until I verified my account with my social security number and birthday or address. When I told them I had no clue who they were and felt uncomfortable giving them that information, she said she had nothing else to discuss with me. I asked her to simply tell me what she had mentioned to t he director of the organization, because she clearly could not verify my information to her, but she insisted that she did not share any of my information. I find that extremely hard to believe, based on the email and phone conversation I had with her about using their foundation as " a referral for debt collectors ... '' At the end of the call, I asked them not to contact my business line and left my number, as well as the Director of the organization that they spoke to in regards to my debt. They called again this morning. I would like to pursue whatever action necessary to hold this company responsible for their hostile and illegal debt collection practices. I hope this does not happen to anyone else. Please advise me on the next steps. Thank you.
I am applying for a loan to buy a new house and my loan officer reported to me that there is a delinquent charges more than 30 days on XX/XX/2016 and 60 days on XX/XX/2016 for some credit card ending in XXXX that is issued by CBNA and he gave me a phone number XXXX, which I have called and stayed with them for at least 30 mns and they could not find any credit cards that was issued to me using both my name or my SSN or even my phones so they switched me to fraud department which could not find anything either and then I talked to few supervisor in CitiBank who could not help me at all, I do not have any cards and i never had any cards that ended in XXXX, I need help please, my home loan is depenedent on this ... the phone number that was listed on the consumer credit report was
PHH Mortgage is charging us a late fee and saying we didn't pay mortgage for XX/XX/2018. 
We did pay. We always pay on time. We have bank statements that prove PHH Mortgage cashed our checks on time. The company is refusing to answer the phone or give us a live person to talk to. This is the second time they have done this to us among many, many other things. They lost our payment last year and we had to go through a big ordeal and have our bank call them to clear it up. It was long, drawn out, and ridiculous.