WillisBack/dataset-financial-user-claim huggingface dataset:
Southwest Credit Systems, L.P. has continued to call my place of employment and cellular phone a week after receiving a certified " cease and desist '' letter for a debt. Majority of the calls are coming to my desk phone at work at least 4-5 times daily and then my cell at least phone 2-3 times daily with numerous messages which I have saved as evidence. The phone calls were sometimes back to back and very annoying as I was working and or at home. I advised the company in writing the debt is under dispute and will contact them regarding the debt after I research the balance, but to no longer contact me via phone.
My complaint is against Navient reporting inaccurate information to the credit bureaus. The report dates are as follow : XX/XX/2015, XX/XX/2015, XX/XX/2015 XX/XX/2015 I was receiving XXXX XXXX  assistance at that time and I contacted the loan provider about this issue. I was later put on a forbearance, which I have incurred a lot of interest. I was not given information concerning, IBR until last year. These late reports are hindering me from acquiring a permeate home for myself and my kids. I would like for these dates to be removed from my credit report. I would also like an investigation done in regards to the interest that I have accumulated by being in deferment and forbearance,
Equifax has reported inaccurate information for 3 years past the statue of limitations on ( 2 ) accounts. They have allowed XXXX XXXX XXXX to report inaccurate information and illegally try to park old debt onto my account. I have a letter from the original creditor, XXXX, that these two accounts were closed in XX/XX/XXXX and XX/XX/XXXX. They were then sold to numerous collection agencies. Both accounts were removed at one point, and XXXX XXXX XXXX bought these accounts and reported inaccurate information to get Equifax to report on my credit file once again. They have continually not investigated properly the age of the accounts, the dates of the accounts, nor any of the history of the accounts.

I will attach the letter from XXXX. Please remove both accounts from my credit profile. 
If I do not get a removal of both of these accounts, I will seek a consumer debt lawyer and file a lawsuit against Equifax for now knowingly reporting inaccurate information in my credit profile.
I specialize in XXXX, XXXX, XXXX etc. I have a few clients that pay with electronics which in turn I sell as I get them on ebay. I have quite a few that came in over the holiday and Paypal decided to lock my account without warning. They stated that it was a high risk account and it was linked to another account that they have not released to me. I have reached out to them as of Sunday XX/XX/2017 @ XXXX with no resolved. My money is being withheld for 180 days. I attempted to reason with them and I got nothing. The call ended with a supervisor by the name of XXXX ( male ). He advised that I write a letter to their corporate office.
Requested original lender ( XXXX ) to stop drafting funds from my account at the end of XXXX XXXX, as I lost my job and I wanted to create a payment arrangement. They said they could n't do anything until I missed a payment. I called my bank who placed a stop payment for anything being withdrawn by XXXX. I thought I had paid this bill in early XXXX. On XXXX XXXX, XXXX I was contacted by First American Solutions LLC and told I owed money for this dept. I stated that I did n't have the money to pay this and that I was n't sure it was my debt ( again I thought I had paid it ). I asked for proof they said they would send it. I also asked if I agreed to pay a smaller amount ( XXXX ) in two weeks to just make it go away if they could work with me. They said to call back but until I could call back to avoid the processor ( whom never came ) and on XXXX XXXX ( 4 days after I spoke with someone ) they drafted XXXX from my bank account. Without authorization. I had my bank immediately reverse the charge. I have proof of this withdrawl in the form of a copy of the electronic check submitted to my bank. 

I also sent a letter to XXXX XXXX XXXX on XXXX XXXX requesting proof of this debt or removal of this item from my credit report and for them to cease and disist contacting me regarding this debt if they could not or would not provide me with the information requested. ( I have a copy of the letter but have moved and it 's boxed up someplace ). 

They also contacted me around XXXX of XXXX as well but I did not answer and never received anything from the " Processor '' that threatened to stop by my house or place of business ( I work from home so if they came by I would know ) Last week I received a call from First American Solutions LLC again requesting payment I told them everything that happened two years ago and about the letter I sent in XXXX. The mans response to me was something along the lines of we would n't withdraw money from your account we do n't do that but if we did it 's perfectly legal. He also stated they sent proof 2 years ago, I said I did n't receive it and requested the information again and even gave him my email address. I have not received anything via email or mail since he contacted me mid last week.
I traded in a vehicle, and the new finance company sent full pay off via tracked mail, however the original company is still collecting on the debt and calling me, without applying the payoff funds to the account.
We attempted to make payments to Sam 's Club XXXX and our electronic payments were not accepted by their bank without explanation. When I called them they could n't explain and declined to call our Credit Union. Then they charged us interest ( at outrageous rates ). I cancelled the card and they cancelled the points we had earned. We have a decades long history of paying all our credit cards in full and on time every month and have never experienced this problem with any other credit card. Our credit rating dropped from over XXXX to the low XXXX 's, I assume because of them. - XXXX XXXX
XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 We have proof that all of these payments cleared our bank and were paid to Ditech. After our first call to Ditech, it appears that the XXXX payment reversal has been reapplied to the account but we are not convinced that any errors that might have caused with interest and fees was corrected. We do have documentation for all of this but it contains the personal information that you said not to include. 

The only explanation that we have received for this is that Ditech is performing maintenance on our account and we will receive a new statement when the payments have been reapplied. This does not sound correct to us.
Hello All, I recently learned of the negative impact hard inquiries had on credit score so I checked my credit and realize that there are several hard inquiries on my credit report that posted in XXXX2016. I called both Equifax ( spoke to XXXX emp # XXXX ) and XXXX ( spoke with XXXX XXXX but refuse to give me emp # ) to have inquiries removed for reason that I did not apply for credit with these companies but they will not take my word for it so now my only option is to come here and see what help I can get in resolving this issue. Thank you in advance for your time and consideration on this matter.
Experian has failed to remove a canceled judgement by XXXX Bank from my credit report. The other XXXX agencies have done so. The address identification number used by Experian is XXXX. The authorization to cancel judgement by XXXX Bank was filed on XXXX XXXX, 2012 in the state of North Carolina at XXXX county district court ( XXXX XXXX XXXX ).
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their ivestigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX, XXXX  and XXXX.
They said that I have a penalty APR but I am not sure why they did this. I called to lower my APR but they said that I could not lower my APR. I called multiple times but they said that it could not lower from 32 % APR interest rate starting in XX/XX/XXXX. I would love to pay this card off but the interest rate is extremely high.
i received a bill from portfolio recovery associates , llc, i contacted them, was told because i gave them no information that they would report i verified this debt.i then sent portfolio three certified letters asking them to verify the debt, to send me proof that i entered into an agreement with them and for how much they purchased my charged off account for and to cease reporting negatively to the credit agencies.was sent papers by portfolio from the original creditors but nothing from them and when i called to ask why was n't anything given was told to file a dispute again at which time i informed them i would not that they had more then enough time to respond to my request and that ill be filing a complaint against them, i was hung up on
I have a checking and savings with Wells Fargo. I was mailed a fraudulent check and my bank did not hold the check to see if it was fraudulent and I used it and now the bank will not guarantee it. Now they are demanding for me to pay it back.
My checking Line of Credit product is overdrawn. Upon the payment coming overdue by 1 day, the institution took all funds out of my checking account automatically and applied it to the overdrawn balance. A week later my military paycheck deposited into my checking account and every penny was immediately transferred toward the balance as well, automatically. I contacted the institution and they informed me they refuse to reverse the transfers and that any money in the account will be automatically transferred until the balance is satisfied. This is, in effect, garnishing my wages and also caused approximately 35 NSF fees totally ~ {$750.00} because they will not allow me to deposit funds to cover these payments. I am in touch with an attorney and prepared to take this matter to court for the full amount of any debts with the institution with additional funds for the financial stress and credit damage that this has caused.
I do not appreciate the tone of the representatives from Navient who call and threaten to " move your file to the next step '' If you do not contact them by XXXX. Not only am I in the military ( XXXX ) I WORK too and also recently relocated to a different state a few days ago. I refuse to work with prying unprofessional rude people who do not have the common courtesy to help you out as apposed to questioning, WHY you can not pay something. If i do not have the money at the time, simply put I DO NOT HAVE IT but was willing to pay the following week. I have not been in my position for weeks to even come to a conclusion as to when I can pay before XXXX XXXX. I was willing and able to set up arrangements for XXXX XXXX, but received threats instead.
I contacted the companys corporate number and the company itself in person when making a payment. The loan steadily increases, I spoke with the customer service person at the corporate office he told me he couldnt gone me the exact amount my late fees are. Its just charges on the account, I asked for a breakdown off how much I have paid they told me they couldnt tell me the amount. Its the worst place to contact and please never get a loan or line of credit from first Virginia bank, payday loans are better.
Transworld XXXX is servicing a debt collection for XXXX XXXX. They did not post the correct amount owed on my credit report for over 36 months, even as I was paying them hundreds of dollars a month to pay down my balance. I have never authorized them to call my office and have expressly denied allowing them to call my work number and yet they wo n't stop calling my office line, which may threaten my employment.
I have placed a security freeze on my account. I needed to verify my identity but was unable to because Experian had not lifted my freeze. I have called experian 5x now- have talked to multiple supervisors, upload documents. and my account still has the freeze in place. I have asked experian to lift all freezes/holds so that they are not holding up verification but have not been able to achieve success.
Not really giving me the option that I need. I had rented from XXXX in XXXX XXXX. I had a lot of issue with Maintenance issue and safety hazard. My husband and I took them to court so we can be released from our lease since we no longer felt safe. with all the proof we took to court the judge granted us to break the lease and move out from the property. Two months later we received a bill from XXXX that we owe {$5500.00}. for breaking the lease, for cleaning the property after we has a walk through with a manager and she said the place was nice and clean. for painting, replacing lights, fixing things that we had issue with the list went on. We went back to court and the judge was not happy with them and told the manager that by law they could not charge us for the remaining about of least term since we were released by court. the Judge allowed the cleaning amount since we did not take pictures to proof anything and granted us again to get {$900.00} of our security deposit back from XXXX group. After calling XXXX main office several times, leaving messages and emails in regards to our deposit no one ever responded. I recently moved to XXXX and I had given XXXX my address so they can submit our deposit and after nine month I received a call and a letter from a collection agency that I need to pay {$5500.00}. I have consulted with an attorney and the collection agency is aware of this situation and I have submitted a copy of our court papers.
This debt was paid years ago. When the agency contacted me I informed them of this and asked them to contact their customer, verify the debt and send it to me in writing. They continued to contact me and I advised them they were in violation of FDCPA. I again requested that they not contact me and verify the debt. This information was also reported as negative on my credit history causing me difficulties.
I am a XXXX mother raising XXXX XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this XXXX XXXX and I have no future because we can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.
In XXXX an automatic payment was changed but continued to be drafted from the other account so payment was declined. I did make an automatic payment online. I called Carrington in XXXX during the grace period because I was no longer able to access the online payment portal. They informed me due to the returned payment I could no longer submit the payments online and they were not sure at that time if the automatic draft would be processed. One person I talked to said it was no longer active, someone else said it might still come out. I had no way to access this online to confirm it. The payment did automatically draft in XXXX. I called again and they assured me automatic draft is no longer active and said I must use certified funds such as cashiers check money order or XXXXXXXX XXXX. My bank sent a bill pay check but the check was returned and the auto draft still came out of the bank. In XXXX the bank check was returned and my mortgage is now late because they dont consider a bill pay check directly from the bank certified funds. So basically the only payment they are accepting is ones with additional fees attached. It is my opinion because they are considered a debt collecter that they are deliberately hindering my ability to make timely payments.
This issue started with fraudulent charges to my XXXX account. I received 4 different invoices starting in XX/XX/XXXX. These invoices were dated XX/XX/XXXX,XX/XX/XXXXXXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I reported the fraud to XXXX. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and on each occasion I was assured by different  people that they had taken care of the issue and closed my account, and I did not owe any money for this fraud, but despite this, I continued to receive bills. 

The invoice dated XX/XX/XXXX I did not receive until XX/XX/XXXX! I received Past Due notices for the XX/XX/XXXX invoice and the XX/XX/XXXX invoice, but no others. 

I was assigned a case person from the fraud department- XXXX XXXX , and given her direct phone and email contact information. Despite multiple phone calls and emails using the contact information I was given, no one ever answered or returned my phone calls or emails. 

In XX/XX/XXXX I had my last conversation with XX/XX/XXXX and was again assured by a supervisor in the XXXX fraud department that the issue was resolved, my account was closed, and I needed to take no further actions. 

I received no further Past Due statements. 

As of today, I received notification that I have been sent to a debt collection agency Transworld Systems INC for the sum of XXXX over the fraudulent charges.
I agreed to a settlement arrangement on a account with a rep which I believe was name XXXX on XXXX/XXXX/2015 the settlement was for XXXX, the rep advised that he had to get it approved because it was less than XXXX %, I requested proof of the settlement ( letter/email/fax ) stating that we were agreeing to settle the account. I was advised that it could be requested from the main office and given contact information. I attempted to contact the company and keep being routed to a voicemail system. I then attempted to contact XXXX on XXXX/XXXX/2015 at XXXX and again at XXXX and was repeated sent to a voice message system on the last attempt I spoke with a women who took a message. I received a call back at XXXX, it was a missed call for me because I was at work. I attempted back on XXXX/XXXX/2015 and got a rep that I tried to ask for assist with get a letter showing the agreement that we had decided on and she blind transferred me a male by the name of XXXX XXXX who then basically screamed on the phone that since I requested proof of settlement offer that the offer was off the table and that I needed to pay what I owed or else. I tried to explain that I just needed proof for my records and he keep yelling over me I asked for a manager and he said that he was the manager and that I could n't speak with anyone higher and then hung up. I called back to get a new rep and he answer and hung up at XXXX I tried calling back again at XXXX and XXXX and no one answered the telephone. I then search on line to see what company this was and called another XXXX number and a woman by the name of XXXX XXXX answered and listen to the issue and placed me on hold the line was then picked up by a XXXX XXXX and he just yelled into the telephone what do you want and I was surprised that I had been transferred and was like huh, he said you called here what do you want, I advised that I would try call XXXX XXXX back and he hung up. I did call her back and ask could she just send me a letter of review the process and she advised that she could n't help because I was not her rep. I asked for the owner and was advised the he was out but she did give his name a different XXXX XXXX than I spoke with and sais she would give him the message for request for a return call. I then got a call from XXXX from a gentleman that did n't provide his name but basically stated " they will not settle with me now since I want them to jump through hops '' by asking for a letter of the arrangement of settlement. Then he disconnected the call. I am only requesting the settlement letter because that would be my only proof that the account was settled and its shows in writing what we agreed to. I expressed several times that I did n't want to make a payment and then someone else tries to come after me for the remaining balance. I have no way of ensuing that this company honors the agreement if I can get something showing that we are agreeing.
RushCard pre-paid debit cards had an update that was told to its customers in an email would only last five hours and be over XXXX on XX/XX/2015-Now we can not get on their website, call them, or contact them. Everything stopped working. Today is XXXX/XXXX/15 and its my payday and my funds are n't on my card. I was able to finally get through last night and the representative told me my direct deposit was pending and it would be placed on my card within 1-2 hours. Its the next day and nothing, phone hangs up or is silent when you call.
Lender sent a wage garnishment to my employer and added all these fee 's loan was for XXXX and now they are telling me I have to pay back {$900.00}
Navient and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with   XXXX   ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from Navient to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since Navient runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.