WillisBack/dataset-financial-user-claim huggingface dataset:
The original account holder made no attempts to inform me of my account with them although they had my previous mailing address which I was still receiving mail at, along with a working phone number and email address for me. The following is information I verbally obtained from a RentDebt customer service associate on XXXX XX/XX/XXXX as they refuse to provide me with a hard copy or otherwise of their activity on my account. RentDebt received this account on XXXX XX/XX/XXXX with the following contact information : ( omitted ) address which I never lived at and so would not have forwarded mail from, a working phone number ( omitted ), and email address ( omitted ). After receiving this account, RentDebt made the following actions : Hard copy letter sent out XXXX XX/XX/XXXX to unknown address per RentDebt associate. Hard copy letter sent out XXXX XX/XX/XXXX to unknown address per RentDebt associate. Hard copy letter sent out XXXX XX/XX/XXXX to ( omitted address ) stating a settlement offer per RentDebt associate. Phone call on XXXX XX/XX/XXXX which I answered, informed them I had not had knowledge of this account, and paid immediately. On XXXX XX/XX/XXXX RentDebt reported XXXX balance to credit bureaus per RentDebt associate. Hard copy letter was created on XXXX XX/XX/XXXX showing a XXXX balance, but was never sent to me although they now have my updated mailing address per RentDebt associate. For the above reasons, this account should be removed from my credit reporting.
I tried to purchase an XXXX through Google. It took a day for Google to accept that my credit card was valid. But, when I tried to read the book using Google XXXX, a huge and eventually, insoluble, number of obstacles were put in my way regarding the compatibility of my XXXX devices with Google 's preferred XXXX platforms. I spent over 100 minutes with Google 's call center employees trying to resolve the issue. I sought advice on XXXX which also did not solve the issue. I want the money refunded to my debit card and I want to be paid for the frustration caused by Google 's deliberate ogopolisitc practices .I also want Google to provide me the book in a manner that I can easily access.
I had XXXX XXXX events that caused financial XXXX and the cause for me to fall behind on my mortgage payments. I had to take care of a sick relative who moved in with me because of their illness. Her health XXXX and she died. The financial burden of her healthcare and burial put me in a difficult financial position. Shortly after her death, I faced health issues of my own where I had to be XXXX. This further complicated my financial situation. I asked for a loan modification and while I was in XXXX, I missed the acceptance time. I re-applied but my modification was denied. Fortunately, my health has recovered and I am now able to maintain a mortgage payment if allowed.
I  XXXX   XXXX  file a CFPB complaint as I believe that  XXXX   XXXX   XXXX  is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My  XXXX  credit report shown my firs t 30-day l ate payment f or  XX/XX/XXXX  . That would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my  XXXX  account would come off   XX/XX/XXXX .   XXXX  also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe  that 7-year r ule would already apply and that the  XXXX  account should already be removed. Accordingly, I will be satisfied with  a  XX/XX/XXXX  remova l date. The Equifax credit report has cut off the same six-years of payment history, and shows a beginning date of   XX/XX/XXXX . T he  XXXX  credit report showing   XX/XX/XXXX   is acceptable, and I need verification from  XXXX   XXXX    XXXX   that the account information will be remove   XX/XX/XXXX .
This is my second CFPB complaint for this same issue and after multiple complaints with the bank. For the second month in a row, after they had advised you all and me that the issue was resolved and I could pay money towards my principal, this has not been the case. My last two principal payments were applied against future interest payments. This then causes me to be on the phone with the bank for a long amount of time trying to get the payment reversed back to principal. Last month I lost money as they did not backdate the payment date so they kept some of the interest they charged me. This month, the representative advised that they would backdate the payment so I would receive the full benefit of my payment.
On XX/XX/2017 XXXX/XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies equfax XXXX and XXXX
On XX/XX/XXXX, a XXXX XXXX Transfer was set up fraudulently in the amount of {$300.00} ( x3 transactions ) and {$150.00} ( x1 ) for a total {$1100.00} to come out of my checking account, as an ATM bankcard transfer. I did not set this up. I did not provide my ATM information to anyone and believe my card must have been fraudulently copied or obtained illegally. I notified the bank the same day when I received an email confirmation from XXXX XXXX regarding the transfer. The bank initially closed and refunded the money. However, the bank then came back and denied the investigation stating they found the charges valid. M & T Bank confirmed the money wire was picked up in The XXXX, NY on XX/XX/XXXX. XXXX XXXX claims the money was picked up in XXXX Washington on the XX/XX/XXXX. The transfer was set up in the name of XXXX XXXX XXXX. XXXX is my maiden name which I haven't used legally since XXXX. XXXX XXXX stated XXXX XXXX XXXX ( my daughter ) was the receiver of the funds, but she was not the receiver of the funds. I have sent funds to my daughter in the past in XXXX but it required a confirmation number. These funds did not go to my daughter and I did not authorize funds to be transferred. I believe someone has used previous transaction records to fraudulently set up this transfer. I have disputed this with the bank and XXXX XXXX. XXXX XXXX complaint was filed with them in XX/XX/XXXX and they have delayed the investigation and have not gotten back to me. They asked for a police report which provided in XXXX. As of XX/XX/XXXX at XXXX, Ms. XXXX told me to call back in another week. They always stat e to call later. Several case # s assigned. Bank and XXXX XXXX refusing to help. I had bill pay set up on my account and this has caused significant hardship with overdraft fees and late payments.
I have student loans through Navient. I finished school 12 years ago. It was 3 years ago that I realized I still owe more than I borrowed to begin with. I called them to address this. They " re-allocated '' my payments. Another year goes by ( to income tax season when I get the form that shows how much I've paid for interest for the year ) and again, every single penny I paid went to interest. Zero to principal. I call them again and they tell me I should pay more than the minimum required. Okay, so I start paying more than the minimum required. Another year goes by, I get the form that tells how much interest I paid for the year. Again, every single penny went to interest. Zero to principal. I call them, they say, well you are paid ahead, by about a year. They tell me I can " re-allocate '' the monthly payments, but they can't put that money already paid ahead towards the principal. So I have almost a years payment ahead, but I still need to pay the minimum plus ( who knows how much ) extra to even put a penny towards the principal each month. I go online and " re-allocate '' the future payments and i set up to make a big increase in my payments. They take one payment from me and then the next month I received a letter saying they have a new company taking over my loans. I now have a new company and lowered my payment back down to the " minimum '' and have watched my principal go down each month, as it should have been for the last 12 years. I recently researched and found that a lawsuit has been filed against Navient due to cases similar to mine. Is there something that I can do to get my past loans reviewed? Are they reimbursing people? I can not find further information on the lawsuit, other than it was " filed ''.
XXXX XXXX XXXX sent a letter stating that the account had been referred for collection. There was no information sent to validate the debt, rather letter states that I have to dispute debt before they would provide validation. It immediately threatens a judgment instead of listing the process to verify the debt and move forward. 

I sent letter requesting that the debt be verified, that they were indeed engaged to collect the debt, etc. The only information that was sent to me were statements of the account. This provided absolutely no documentation that the firm was indeed authorized and engaged by the creditor to collect the debt. 

Additionally, during this time, their representative XXXX XXXX was literally " XXXX '' my phone every day multiple times per day.
in 2014 I was taken off work XXXX. I was current on my mortgage until XXXX 2014 when my income was cut out in over half. I tried to work with the mortgage company Carrington mortgage company XXXX XXXXXXXX. They told me I could get mortgage assistance and they have used excuse from not having the proper documents but they had in their possession. Then they wanted more proof of pay stubs, which again once I received them I sent them in. I have done everything to fix this issue and they refuse to help they are rude unprofessional and I have tried everything. I do not want to lose my home and made that perfectly clear but they wont help me at all. I would like a lower payment and time to resolve this issue fairly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same address as the mortgage. Please help me. I am a XXXX veteran rated 70 % pending 80 % within a month so now I am exempt from property taxes now. Thank you XXXX XXXX XXXX
My private student loans with Navient. I have been trying to make long team payment arrangements. Over the last few years I have been paying my loans on time by automatic draft. I noticed even though I was on a approved payment arrangement. and paid on time I was being charged {$15.00} late fee on all my loans when I had the funds coming out of my account on time everytime. I called last week to have the payments stopped because I am in the middle of a lay off and I just cant afford to pay for almost {$980.00} a month in student loans payments. I work in the XXXX where I have to pass XXXX and I ca n't have any negative credit history. At this point I ca n't pay the amout they are looking for every month and I do n't know what to do. I called and have them stopped the automatic draft one my loans to give me time to try for a deferment or forbearance. Monies still were taking out of my account. I have been given misinformation and it seems something is wrong when my loan balance is so much more than I borrowed. I just want a payment plan I can make with out having to choose to pay my loans or buy food.
I mailed in onXX/XX/XXXX TWO payments money orders as they will not take a payment online, will not mail a statement, will not take a payment online. I do not get balances or receipts of payments or invoices. I have fought them for 2 years now to get it even listed on the website but yet cant pay on there and it says no payment due and no statements even on there.
I mail in the payments on the two subloans.
{$250.00} to one student loan - call XXXX XXXX can see status of payment loan XXXX XXXX {$250.00} to the other student loan - loan XXXX XXXX XX/XX/XXXX they process the one and today XX/XX/XXXX they claim they NEVER got the other one its a money order the only way I can pay them and its now lost they claim. So I am OUT of {$250.00} plus costs to get it mailed to them, late on payment and paid taxes on that income.
This is not the first time this has happened. I cant pay online I cant pay any other way.
How can they get one and not get the other to the exact same location at the exact same time!!!? I call I get transferred around and around and told pay the full balance now.
Agreement is {$75.00} a month and I am paying {$250.00}. I cant pay this off if I had cash sitting in my hand to save my life! Yet its damaging my credit I cant buy a house with these two scars on my credit yet nothing is late for years.
XXXX   report remains incorrect due to incorrect reporting  by the Lender ISP. We   never closed the acct. Our reverse mortgage lender paid them by agreement disbursement. We only requested they remove the lien on the water conditioner. They stated " due to that they are required by  the Fair Debt Reporting Act '' to fil e that way? That remains a negative on  XXXX , has handicapped our ability to finance our additional debt and placed us in significant financial harm.   XXXX   report #  XXXX .
MOBILOANSLLC has been reporting on my credit report for no reason. This account was sold to another company and handle by me. I 've disputed this reporting to no satisfaction on my part.
I just turned XXXX TODAY. XXXX XXXX. and i went to the bank to get a student loan as i had an appointment set from the day before. I get there and they tell me that there are things that are preventing me from getting a loan on my credit report like foreclosure and outstanding balances, XXXX like that. I just turned XXXX today so ive never owned a car or house or been convicted of a crime or any of that stuff that they were talking about so i really dont see whats going on. I start school in a week and I need a place to live, which is why i was at the bank for a student loan so i can pay rent on the first otherwise im out on the streets here in florida fresh out of XXXX. I temporarily live with my grandmother and she 's already packed leaving XXXX to return to XXXX. So I need a place to stay. Like i said i just turned XXXX and have no type of credit at all in anyway shape or form so there should be nothing on my credit report in the first place. I dont even have my drivers liscence so i clearly dont own a car or have any repossessions of any type. As i was trying to access my credit report from XXXX it asked me these questions regarding like mortgage and phone numbers i recently had or something when none of that applys to me AT ALL. I JUST TURNED XXXX TODAY MY DATE OF BIRTH IS XX/XX/XXXX. HOW WOULD I OWN A HOUSE AND BE ABLE TO PAY MORTGAGE. I 'VE NEVER EVEN HAD MY FIRST JOB!!!! I honestly have no idea what 's going on and why i cant get a student loan when i have NO CREDIT HISTORY. how are they gon na tell me about my credit history when i 've never had credit in the first place?!????!?!?!?!??!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?! this makes no sense.
Predatory lending - would like someone to look into a loan on a car note, which was at 20+ % rate. Tried to get a copy from the dealer, but the dealer closed. Contacted the credit lending company, but the case was referred to collections and a judgment was placed on my account. To this date, that bad debt is affecting my employment opportunities in the Federal sector.
I applied for autopay as soon as was possible for my XXXX, which wasn't until after the first bill was available ( there were no autopay options before then ). That was three weeks ago and I just received a late payment fine for not paying my bill. Basically, even though I'd set up auto pay, and expected that to pay my bill, XXXX tried to charge me {$25.00}. I was told on the phone it take 2 months for autopay to go through, which seems ridiculous. My credit card also won't work for several days until the payment I just made goes through. 

This seems like they're trying to scam people.
I took out a loan with Cashcall in 2013 I was later laid off from my job and tried working with Cashcall but they would not work with me. I am now gainfully employed and have contacted all creditors to payoff everyone and make payment arrangements. Cashcall stated they would call back because of the length of time. Weeks later I get a call from an attorney claiming to represent Cashcall, XXXX XXXX XXXX, stating I could make arrangements with his office. My {$2600.00} loan which I made I believe 6 six {$300.00} payments was still at {$2600.00} and due to interest still being charged U owed {$9800.00}. when I stated that was way too much money and I could not afford this, I was told they would seek a judgment and garnish my wages. I am more than willing to payoff a debt that I owe, however the amount being sought after is excessive and I am unable to pay. This should be illegal especially when I contacted them to repay. I had not received any collection efforts from them in over 18 months until I called them
I have been paying my mortgage every 2 weeks like I have for years and this company changed my automatic payments in XX/XX/XXXX. Their system is completely disorganized and I have not had any luck getting anyone to call me back. This is the second year I have had issues.
In XXXX of XXXX I rented from an apartment complex. A balance of {$1900.00} was sent to collections in XX/XX/XXXX that was no longer my responsibility. Once a balance is sent to collections, the original creditor has written the balance off on their taxes and you are no longer obligated to pay any owed balances. That apartment complex also went under new property management in XXXX of XXXX and the new property management company paid for and assumed all debts, and again, I was no longer responsible for or obligated to pay any past due debts. I have disputed this with the credit bureaus and the collections agency says the balance is my responsibility. The collections agency stated to remove this off of my credit that I needed to provided documentation to them stating that I no longer had a balance. I provided the information to the collections agency and they are still trying to collect for their own purposes and will not remove this from my credit report nor accept the documentation showing that I do not owe a balance which is what they asked for. I have contacted the former property management company ( via email and phone ) and I have also contacted and received documentation from the new property management company. The collections agency that has this balance refuses to hear any explanation, refuses to accept documentation, and refuses to remove this from my credit report.
During the closing process on our mortgage today (  XXXX / XXXX /   2017 ) with First American Title Company I requested to see and read all documents that my wife and I would be signing. I was informed by the title representative that she w ould not be able to provide all of the documents to me to peruse as 'we do not have enough time today '. She told me all of the documents would be copied and provided to me post signing to read, but I believe that would be somewhat misleading as if I have a complaint about the documents I have already signed them.
We are in the closing process of the loan from Quicken Loans. Quicken Loans told me to pay my {$14000.00} car loan, my {$3000.00} Credit Card, and {$800.00} Credit Card. I am now debt free. Today they called and said my loan was being denied ( 5 days before we were set to close ) due to inconsistencies in signatures. They said our signatures did n't match and that they " appeared '' to be electronic signatures.
I opened an account with Amazon prime for a credit card issued by Synchrony Bank. They added a fee for card security without my permission at a cost of {$2.00} per month. They were counting on my not catching this. When I called the telephone number for customer service I was connected with an off shore call center staffed by English speaking foreign nationals. The rep said he would cancel. 
This is an example of a predatory and dishonest credit card company.
My son and I received the XXXX Mortgage Interest Statement-Form XXXX from Suntrust Mortgage , Inc. We noted in Block # XXXX that it reported {$5200.00} as " Mortgage interest received from payer/borrower. '' We noted that the XXXX Mortgage Interest Statement reported {$4700.00}. After making all payments in XXXX and the principal on the loan reducing, we do not understand how the interest paid increased from XXXX to XXXX when the principal decreased. By letter dated XXXX XXXX, XXXX to Suntrust Mortgage Inc., I requested a complete and detailed explanation as to why the interest paid on the loan increased when the principal decreased. So far no response! Phone calls to Suntrust have been unproductive.
I have no outstanding debts ( I had some many years ago, now all well outside of the statute of limitations in all states I have lived in ). This company called my husband 's cell phone and when he asked who they were they refused to give details. We looked up the number and they are a debt collection agency. 

They refused to give him details and told him " Someone will call you back ''
My XXXX AMEX credit card charged me for late fee of {$27.00} and interest charge of {$21.00} stating that my electronic bank payment of {$1200.00} posted on XX/XX/XXXX on my AMEX credit card account when it was due on XX/XX/XXXX.  However, per Proof of Payment document from XXXX XXXX, my electronic payment was sent on XX/XX/XXXX. <P/>When I call to inquire about the changes, I was informed by an AMEX rep in the XXXX that a 3rd party vendor of the bank did n't process the electronic transfer in time before the due date, and that it was the fault of my Bank. I explained that did not make any sense because I had requested the electronic transfer be delivered by XX/XX/XXXX. <P/>Later, I called XXXX XXXX regarding the issue and per the Proof of Payment document, the payment was indeed sent to AMEX electronically on XX/XX/XXXX to AmEx. However, it was AMEX who did not process it until XX/XX/XXXX. <P/>Here 's another scam by a credit card company to defraud customers by charging erroneous late fees and interest fees. In this case, I have paper trail to verify exactly when payment was effectively sent electronically. <P/>Customers beware!
The credit reporting Agencies illegally allowed XXXX XXXX XXXX, to continually add late payments to my account after they charged off the account. When this account started reporting as closed there should not have been any more delinquencies, but this account has been continually reporting late payments. This account has been closed since XX/XX/XXXX and my credit reports are showing late payments up to XX/XX/XXXX. This account is also showing as a charge-off since XX/XX/XXXX, but again the credit bureaus are continually allowing this company to illegally report late payments, that's impossible to late on a closed account.
Equifax is reinserting previously deleted items to my credit file such as a judgement after it 's been deleted as well as other accounts. I also have a split file where XXXX different reports are being provided. This has been confirmed through separate lenders having seen different reports on XXXX separate pulls. They refuse to acknowledge that split files are possible or that I have one even though lenders are seeing it.