WillisBack/dataset-financial-user-claim huggingface dataset:
I nevered set up this account. Not sure who setup the account in my name ; but I was no longer living at the address because I was going through a divorce and moved out.
The date is XX/XX/2018 for {$410.00} I spoke to the company several times before they sent me to collections and explained to them that my insurance covers the bill and to contact my insurance. I informed insurance that they would be calling and verified that I was covered for service. I did this numerous times and even sent the company contact names and numbers to call at the insurance company. I never received a response back until I started getting calls from debt collection companies. I just feel it's unfair for them to send me to collections without working with me to solve the issue. I can see if I was a rude or nasty speaking person but I always gave respect and just wanted the situation resolved.
Upon selecting the option of making my XX/XX/XXXX payment due of {$3400.00} online with a statement balance of {$3400.00}. I received a receipt from American Express for {$3000.00} payment. From this point i was not able to login back into my account online, and attempts to call to investigate why i received a receipt for a different amount were unsuccessful because i kept getting hung up on while being transferred. I then receive next payment due reminder in the amount of {$1600.00} due XX/XX/XXXX, which left me under the impression that it was just a small error and my last payment was taken in full. I also received two merchant credits to my account in the amount of {$33.00} & {$250.00}. Through the following week I attempt to make my XX/XX/XXXX payment online unsuccessfully because American Express 's website would not allow me to login. Given that i was out of the country this was my only option to make payment. Upon arriving back in the states on XX/XX/XXXX i call Amex to make payment, and was told i had a 31 days past due. I did not receive any notice of any past due amount owed. This mistake has been reported on my credit and has taken my score down over 50 points! I have never been late on over the 5 years i have been with Amex.
I was told that I would have to pay a specific amount bi weekly, the amount was {$100.00}, but on my paydays almost {$300.00} was taken out of my account. XXXX XXXX XXXX keeps calling my job and I am not allowed to take personal calls. This could easily result in me getting fired. I have explained to them on severeal occasions that they can not continue to call my place of employment but my request have been ignored. This is illegal and has to stop immediately.
In XX/XX/XXXX, we had a flood in XXXX XXXX. Over XXXX homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust XXXX. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to XXXX in XXXX 2017 and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now XXXX is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of XXXX 's incompetence. Or are they just being vile? XXXX has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.
Good morning, XXXX XXXX has listed a medical debt as of XX/XX/XXXX, from XXXX XXXX XXXX as the company who I allegedly owe to. 

I have never received a bill or any correspondence from XXXX XXXX .. going back from XX/XX/XXXX, I am a former XXXX. They only correspondence was my pay stub via email. 

Nor have I ever received correspondence in any form from Capio. I was advised not to call them, but I did reach out to XXXX XXXX and they knew nothing about the bill. 

Nor do they have any signed documents that would permit a outside company to have access to my information, they clearly violated HIPPAA. 

I did dispute this via phone call and mail to XXXX  XX/XX/XXXX, no correspondence was made to inform me of the outcome, clearly the 30day rule has way passed expired since my initial inquiry into the false debt claim made by Capio. 
My request is to have this removed immediately off my credit report as it has caused further negative issues, as I am trying to rebuild my credit post divorce and the bankruptcy that resulted from that situation. 

Thank you
In XXXX- XXXX, My son and I borrowed {$42000.00} to pay for my son 's college tuition at XXXX University . Today, XXXX XXXX, 2017, The balance that Navient says that we owe is $ 80,000+.
I have offered to pay Navient {$55000.00} to pay off the loan if my son is not required to pay taxes on the difference between my offered pay off and the balance of $ XXXX+ and my son does not have a derogatory credit report entry for paying off less than what is owed. Navient is refusing to do this.
My son is finally working steadily and this removal of debt would allow him to take steps to further his career and personal life. Navient is also servicing our Federal Student loans which we will continue to pay.
Hello team, I came to US few years back and have started using credit cards since then. I have been using XXXX every year to review my credit reports without any issues. 

In XXXX 2014, I was retrieving copies of credit reports for the year. It worked for the XXXX and XXXX, but erred out with Transunion. 
Following is the error message I got : We are unable to complete your requestWhat happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. 
Alternately, to request your Free Annual Credit Report by mail, return to XXXXXXXXto download the request form. 

When I called the number provided, I ended up in selecting the option for getting the report by mail. However I followed up with Transunion to check what was the issue. But they did n't help since the free annual report was already sent. 

This year, I tried to obtain the annual reports again. Unfortunately, I saw the exact same error while getting Transunion report. The other XXXX bureau reports are working fine without any challenges. I immediately contacted Transunion customer service ( XXXX ) and explained them the problem. 

They just transferred me to another department ( XXXX ) called - " Transunion interactive '' which deals with their website ( I believe ). The representative told me that they are seeing error number XXXX while pulling my report, which is usually seen because of multiple profiles getting created for the same SSN or usage of multiple names etc. He asked me to contact " Transunion customer relations '' number ( XXXX ) and have them fix the data on my report. 

On contacting the consumer relations, I was surprised to hear that my Transunion profile/ report did n't have any issues, and so they do n't see anything to update. 
They asked me to contact the interactive team again with the confirmation that nothing is wrong with my report. 

Even after having such confirmation from Customer relations, the Interactive team kept on pushing back saying that they ca n't do anything about it. I contacted both these teams few more times, but was just getting transferred between their teams. They never agreed to come on a single call, which might have fixed the issue. I have even talked to supervisors from both the teams, and also talked to few folks from " Special handling '' department, but no one could tell me what the actual issue was. I have n't got a resolution so far. 

For now, I have asked them to send me a physical copy. But I my preference was to get an online copies because I think online copy is more secure and easy to manage. 

I need your help so that someone from Transunion can really look into the issue and resolve it so that I can use the online credit report like everyone else. 

Regards,
I have private student loans that were originally serviced by XXXX XXXX then transferred to Navient. They wanted me to pay over {$600.00} a month, always starting that I had no other options available to me. I was also told 5 years ago that since my mother had passed because she was the consigned ; that they would be forgiven. Every time I called I was told a different lie. Recently my loans have gone into default but they keep saying I 've been making payments of {$400.00} plus dollars a month even though the charged it off so it 's affecting my credit now. The original amount of my loan was {$30000.00} now it 's close to {$60000.00}. They do n't send out letters of any kind yet the say oh the letter is attached to your account. If you refuse to send me information about my loans how am I suppose to know the steps you are taking. I could go on and on but I will just say I 'm happy karma has caught up to them. Thank you ...
I consolidate my loans in the amount of {$42000.00} principal and {$4700.00} interest equaling {$47000.00}. However Navient says I owe {$51000.00}. I am not sure how it got to that much. Also my monthly payments only go to the interest at this rate I will never be able to pay them off. I have sent a email asking about my payments and balance consolidated. I got an generic email back that did not answer my questions. I have tried to call several times and remain on hold forever and never getting someone on the phone. I would like to know where the extra {$4000.00} came from and how come none of my monthly payments go toward my principal and I am getting no answers from Navient.
I 'm submitting this complaint against SouthWest Credit who is collecting on behalf of XXXX XXXX XXXX. 

The collections company called me to collect to debt I do not owe and I explained to them that I 've already disputed the amount as described below with XXXX XXXX XXXX. Yet the sent me another letter attempting to collect the debt amount of XXXX when it should no more than {$44.00} ( as XXXX XXXX XXXX last told me ) and I still believe should be smaller amount because the {$44.00} includes services until XXXX and I returned all equipment in a timely manner. 

That being said, and to reiterate my complaint, XXXX XXXX XXXX billed me for U-verse services not rendered for the months of XXXX, XXXX and I think XXXX and they also tried to charge some sort of termination or late fees. The fee breakdown in my last bill from them was not itemized. I requested XXXX cancel my subscription on XXXX and all equipment was returned within the allowed 21 day return period by XXXX/XXXX/15. They said they got it on XXXX. 

On XXXX/XXXX/15, date of my last call with XXXX XXXX XXXX, they specified that I owed an amount of {$44.00} not {$260.00}. I asked them to send me a revised bill with the {$44.00} so that I could dispute further as I continued to emphasize that I should not owe anything. However, it seems they sent my account to collections instead. 

I submitted my first complaint to the CFPB prior to the account going to collections but since CFPB closed my complaint as it related to XXXX XXXX XXXX directly, it seems that XXXX XXXX XXXX continued collection proceedings. 

Please call me if there is any missing information that you need to pursue this matter with SouthWest Credit debt collectors on behalf of XXXX XXXX XXXX at XXXX or XXXX.
Navient is terrible. They offered no help, no advice, no point in the right direction for when I first graduated. The same applied for when I lost my job last year. All they told me I could do was forbearance. They offered no alternatives or help. Worse service than the DMV. So that should tell you something.
I found out that there was information in the XXXX that would not allow me to open another account, I called XXXX and showed them they were discahrged during bankruptcy and to udate my report, now when I go to open any bank account im still having issues even t ho I have proven bankruptcy discharge, and they are not willing to open an account I need help please
We currently are not being provided monthly statements due to the fact that we filed bankruptcy four years ago. It is their policy that we be protected from receiving such a document according to the law. Our mortgage was transferred to this current mortgage company XX/XX/XXXX. Up to that date, we received monthly statements. After respectfully requesting statements earlier this month based on the Dodd-Frank Wall Street Reform and Consumer Protection Act passed by congress on XX/XX/2014 requiring we receive a " Periodic Statement '', closely being defined as a monthly statement, their response was no, they are not required by law to provide monthly statements to active and/or discharged bankruptcies.
Care credit credit card ( Synchrony Financial ) did not refund the charges made by dentist XXXX from XXXX located at XXXX, CA XXXX for {$2500.00} now they are charging me with {$5200.00}. On XXXX XXXX i went to see dentist XXXX for a replacement of a XXXX. XXXX broke my XXXX, which was not included in the treatment while he was removing the old XXXX. After abusing behavior that included violent word, XXXX failed to refund the {$2500.00} in CareCredit charges. I did not go through the treatment since XXXX broke the XXXX that was not part of the treatment. I cancelled the entire treatment but XXXX refused to accept it. I went personally to show him the XXXX he broke with his dental tool while he removed the XXXX, but instead of accepting it, XXXX started speaking to me in a violent manner. XXXX made me laid in his dental chair, and approached his face really close to mine and started screaming at me. Forced a XXXX. It only made it worse. Now is XXXX while i eat. The XXXX and needed to be replaced. That XXXX was placed a year earlier by XXXX XXXX, and did not need it to be replaced. I complaint with CareCredit credit card for the charges, to remove the charges. CareCredit did not removed the charges. I complaint several times to them, but nothing has been done since the incident with dentist XXXX from XXXX since XXXX XXXX, So, today XXXX XXXX, XXXX, CareCredit called me from CareCredit Collection to notify that i own {$5200.00} because of interest charges and financial expiration charges. And sent a statement of the {$5200.00} that I need to pay. Last time i made a payment was onXX/XX/XXXX for a {$240.00}, and it was when I owned only {$2000.00}. Now according to the statement I have to pay {$5200.00}. The remaining balance was due to dentist XXXX charges without providing dental services and without refunding the charges XXXX knew i was not agree on. Care Credit failed to correct, even when I filled several complaints through them and now they XXXX the amount charged by dentist XXXX. After calling many times, they only care of how much more care credit are over changing my care credit credit card. Now collection from CareCredit want me to start paying minimum balance of {$470.00} to pay the overcharge balance of {$5200.00}. Neither Dentist XXXX from XXXX not CareCredit are willing to refund the amount or correct the amount. Now Care credit collection are calling me to pay a service that I have never agree to and never received the product in this case the crowns or service. I did not went through any implant procedure with XXXX, due to XXXX abusive and aggressive behavior, XXXX placed XXXX of the XXXX ( XXXX ), but it was paid by my XXXX XXXX XXXX, it was about {$1500.00} that XXXX charged my dental insurance only for XXXX XXXX. XXXX address XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX
I contacted the agency Armada Corporation, to settle the debt, they have listed as {$1300.00}, that they reported today. They said I would need {$3500.00}. To pay it off. Those are very different amounts. The debt is also almost at it 's 7 year statue of limitations so they tried to make me make a smaller payment so they can continue the collection proceedings. I am willing to settle the debt for the actual amount of {$1300.00}. But they are n't. I need help. I appreciate your time and consideration on this!
Due to unusual historical circumstances, I have approximately {$55000.00} of outstanding credit card and other revolving debt. Most of it carries an interest rate of 29.99 % and is owed to Citibank. I would like to take out an additional home equity loan from Citibank for {$80000.00} to pay off this high interest rate debt and use the remainder ( {$25000.00} ) to pay towards my son 's college education. 

I have plenty of equity in my home and am employed full time and earning a good salary ( $ XXXX K/year ). So from an equity and debt-to-income point of view I should have no problem qualifying for this additional home equity loan. The problem I have a low XXXX score -- but it is purely on the basis of my high credit card balances. In fact, I have an excellent payment history ; e.g. my existing home equity loan to Citibank for approximately {$230.00} K has never missed a payment! Now because Citibank is denying me this debt consolidation home equity loan, I can not get out from under the high credit card balances to guess who? CITIBANK! So now I will be forced to restructure or ( hopefully not ) default on my credit card balances which will further impact my credit standing going forward. 

On Tuesday XXXX XXXX, 2016 I spoke with XXXX XXXX ( XXXX ) who is the Citibank home equity credit officer handling my inquiry. She confirmed that Citibank denied my request for a HELOC purely because of my low XXXX score, not due to my payment history or equity in my home or debt-to-income ratio. Furthermore, she confirmed that in looking at my XXXX credit report, my score of XXXX was low purely because of my high credit card balances. 

I explained to XXXX XXXX that I can no longer continue to make these high credit card payments. I further explained that this is not the way Citibank would treat its corporate or high net worth clients looking to refinance their high interest rate debts. In fact this is not how the taxpayer treated Citibank during the credit crisis! When I think about the mission of the CFPB, I can not think of a more black and white situation for them to look into.
I changed my insurance on XXXX XXXX. They failed to recompute the escrow in a timely fashion. They also paid both insurance companies. I sent both the principle and interest and the money they told me I needed to replenish escrow. They made several other errors/slow calculations/mishandling of escrow funds that took over month to straighten out. Even though I had sent them more than enough money to cover my principle/interest and escrow, the reported me to the credit reporting agencies as having a late payment.
Capital One has ran my credit several times without my permission which has affected my credit due to the inquiry. I have at no time applied for or had an account with Capital One. I have written them on several occasions stating this and requesting removal of the inquiry yet they refuse to remove it and each time send me back an automated response about them having access to my credit file for promotional purposes. Well that is a lie because I have restricted and opted out of all credit card screenings. This is my last attempt for Capital One to remove the inquiries before I have to seek further action.
My credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.
My family moved from XXXX to XXXX XXXX Michigan and there was no TCF Bank / XXXX XXXX  in the town we moved to. We did a change of address because we still had a couple bank accounts open with TCF Bank / XXXX XXXX. They changed all of our accounts over however missed one. Somehow XXXX put some unauthorized charges through our account causing overdrafts and a negative balance. TCF Bank sent notices to our old address and there was no one living at that address so the mail did not get forwarded. By the time we knew about the account being negative TCF Bank had sent it to collections within a month. TCF Bank / XXXX XXXX never called us or anything, instead their rude obnoxious collections company was the first we heard of a {$260.00} negative balance. I called customer service and could have paid them right away, however they told me there was nothing they could do. They told me I could go through the collections company or I could go right to the bank branch and take care of it. Over our holiday break on XX/XX/XXXX, we drove 220 miles to  the closest TCF Bank / XXXX XXXX. We paid the balance and got a receipt. The employees at the branch treated us very well, they were very nice at the branch level. Two weeks later, on XX/XX/XXXX we received notification that the " unpaid '' balance had been put on both myself and my wife 's credit! I called the branch and they said they would take care of it right away and for some reason our payment had not been applied. About a week later we were still getting calls about this unpaid balance from the rude obnoxious collections company. I called the branch again and they said it has been taken care of however it is still on our credit! See also my complaint on XX/XX/XXXX # XXXX to the CFPB regarding TCF Bank / XXXX XXXX. Maybe they are just incompetent when it comes to customer service at their main office, maybe it's coincidence, maybe they are targeting me and my family. My wife is XXXX  and this is all very stressful! TCF Bank soon to be TCF Bank / XXXX XXXX  has horrible customer service, deceptive bank products and gouges their customers with high unnecessary fees. I want this taken off me and my wife 's credit or we are considering talking to a lawyer.
I have called and faxed Experian stating they are not reporting a mortgage and credit card that I have, they are the only credit reporting company out of the XXXX credit bureaus not reporting those XXXX tradelines. It has hurt my credit scores. I want them to report them, I called XXXX XXXX XXXX and XXXX bank and they stated they report to all XXXX of them and its an issue on Experian side. Please add these tradelines XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX Double XXXX # XXXX