WillisBack/dataset-financial-user-claim huggingface dataset:
The alleged company Fed Chex Recovery contacted me in XX/XX/XXXX regarding a textbook rental from spring XXXX, which I no longer have in my possession and believe to have returned at the close of that spring semester. The representative from FCR explained that the book was rented from a website called textbook rush, which is valid, but my account on XXXX XXXX shows no overdue books and I received no online correspondence in the three years since I rented books from that company to indicate that the book was allegedly overdue. It was already fishy that I was receiving calls about the book three years too late, especially considering the high late fee of {$500.00} when I rented the book for less than {$100.00} and paid for it in full, but in addition I called the Secretary of State in both states from which I received phone calls ( Nevada and Arizona ), and both Secretary of State offices declared that FCR was not registered as a legitimate business in their records. In addition, I checked my credit report in XX/XX/XXXX, and that credit report showed no record of debt for any textbook rental. I receive calls every 2 weeks from different phone numbers in different parts of the country claiming to be representatives of this FCR debt collection agency. I am currently reaching out to textbook Rush to make certain that no books are overdue on my record.
TransUnion set me a letter and provided a phone number : XXXX to " get more information on the public record ''. There is no way to speak to anyone at the number. It is only automated recordings that allow you to either get a copy of your report or buy products from TransUnion. The product offers are repeated multiple times and if you do n't buy one of the or accept the " free trial '', you are disconnected.
on XX/XX/XXXX Westlake financial issued a check in the amount of XXXX for account overpayment which i n never received or was every cashed. So i received from to fill out saying i never received or cashed. they received the form XX/XX/XXXX ever since then its been a battle to get them to cut me check for my money. I only have till XX/XX/XXXX for them to give it back or they submit my money to the CA Unclaimed Property Program.
I called speedy cash to provide my bankruptcy case number, lawyer 's name and phone number the day after I filed. Speedy cash then proceeds to deduct money out of my account after this information was given. The customer rep I spoke with said she noted it into my account. I called a second time after this happen and a different rep said there was no record of the initial phone call..
XX/XX/XXXX, {$220.00} tried calling the original creditor and the company they sold it too so they could delete the in accurate information reporting to XXXX, XXXX, and XXXX debt was been pain in XX/XX/XXXX.
When calling Equifax, i originally was calling to dispute a collections. I then found out they dont have a file under my SSN. I then found out my XXXX XXXX XXXX/XXXX isnt reporting to them and my XXXX credit card is not reporting to them. They refuse to help me until i send them my drivers license and SSN card but i do not feel safe sending my SSN card and im worried Equifax has seriously messed up my report.
PNC Bank was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, PNC updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since 2014. This caused my credit scores to drop 100 points.
I have requested several times to verify an account that has been showing on my report. On XX/XX/XXXX I thought the problem finally got resolved as I got an alert that the account was removed from my report ... however, I checked my report again on XX/XX/XXXX and the account is back on my report. I understand they are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I will attach screenshots of both the notification from XX/XX/XXXX and the updated report on XX/XX/XXXX.
on XX/XX/XXXX i recive a email from my credit report that my name was reported to the agencies, XXXX, XXXX and XXXX that my account was not paid, on the amount of {$360000.00}, so i receive a letter on the XX/XX/XXXX saying that my insurance pay {$32.00} and my pay off was {$36.00}, on lexus leasing is included and not optional GAP, so on the latter shows that the GAP pay {$360000.00} and my amount due was {$500.00}, which was paid with my XX/XX/XXXX, now for the last 2 weeks i being calling lexus every day to fix, and no one can fix this problem i sent certified mail, fax and spend in numerous hours on the phone try to fix and still not fixed, they ask me to wait 45-60 days to get this solve which its unacceptable,
I took out a loan with a big picture loans needing some emergency cash not realizing that the interest rate was over 450 % which is illegal. I have had this loan since XX/XX/XXXX making payments of {$430.00} a month since XX/XX/XXXX and my balance is still {$1400.00} according to a payoff amount as of today XX/XX/XXXX months later after paying well over {$1500.00} and interest already. This company uses illegal predatory practices to prey on consumers.
I was n't able to access my account then I call and found out that Netspend had closed my Account with out my permission. And not notifying me right away when this ERROR TOOK place! I had to find out on my own that my account was closed .because I wanted to pay a bill. And when they closed my account They took out all my money which I wanted it to stay in my account but they did n't put back in my account.INSTEAD they mail me my money which is going to take another 2 weeks or so just to get my money. They really put me in a bad situation.
I signed up for a student loan in XXXX for XXXX. As soon as I got into college they started incurring interest on a daily basis. My loan went from XXXX to XXXX in the matter of two years. I started paying it down and I got it to XXXX again. I was at XXXX XXXX XXXX XXXX XXXX MI. My interest rate is 6.69 % compounding daily.
The inquiries illustrated below were not authorized and have been disputed with the respective companies to no avail.      1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    2 )  XXXX   3  )   XXXX   XXXX   XXXX    4 )   XXXX   XXXX   XXXX   XXXX   5 )    XXXX   XXXX    XXXX  )  XXXX   XXXX  )   XXXX   XXXX    8  )  XXXX   9  )  XXXX   XXXX   XXXX
I " inherited '' them as my servicer when they purchased the company that held my loan. Green tree and now ditech bought forced insurance on my property, at double the going rate. I have a Co-Op which means the building has its own insurance. After numerous complaints and hiring a attorney, ditech conceded that they made a mistake. Their lawyers admitted that they were wrong and ditech sent me a letter admitting their error. This is after months of them threatening to foreclose my home and ruining my credit rating. Then ditech sent me a bill for an escrow fund which I did n't understand but paid it for the amount of {$4000.00}. I then realized that they use this escrow account to PAY for the forced insurance which they ADMITTED it was incorrect. I telephoned them about this and after speaking with several people they stated that they will " look into it. '' And when you ask them, repeatedly, and nicely as a customer for them to fix their errors they continue to gameplay. Furthermore, they continue to not cashed my past mortgage payments then they add late fees or worse send a foreclosure letter. I 'm also attaching a letter emailed to them.
I called Grant & Weber and I told them I wanted to settle my debt which shows {$970.00} on my credit report, the agent started to tell me I was very irresponsible for not paying, told me I once called saying I was not going to pay anything and that my balance now was {$1500.00} that he was going to sue me and and at this point he was not going to give me a deal. He raised his voice and made me feel threatened and frustrated. I called to pay this debt and got insulted and treated really bad.
Hi! 

I paid in full this account {$310.00} and the creditor still reporting a charge off account to the bureaus. 

Thanks!
i will go in court and midias because of bank i went in hospital also have XXXX XXXX i moved to XXXX before i lived in michigan my ex cancelled credit card and others i did a reservation with the rental car the price XXXX took my money {$1000.00} to my surprise the bank canceled my account and debit card i dont have money and cards i did contacts many times i want my money back and a solution. i am from XXXX i dont have family here the bank canceled my account and debit card and didnt the contact i am very depressed i have documents and evidence. terrible bank and disrespectful
I spoke with XXXX XXXX XXXX, a Debt Collector on XX/XX/XXXX about this account listed on my Credit Report. They said that the Creditor was XXXX. I informed them that I do not have and never had a XXXX Account. They said for me to call XXXX. I call XXXX on XX/XX/XXXX, they transferred me around, and finally the lady ask for my Social Security Number. I  said no I will not give you my Social Security Number, she informed me that she could not look up any information without my Social Security Number. So she said, you would have to dispute it to the Credit Reporting Companies and they would call they to get more information. I tried disputing it with them on XX/XX/XXXX, I was only able to dispute with XXXX XXXX XXXX, on XX/XX/XXXX.
I had a XXXX XXXX back in XXXX XXXX, was out of work for almost a year. Finally caught the mortgage up in XXXX, but have gotten behind. Company doesnot communicate, returns funds, applied funds to other accounts. Just read a XXXX review of loancare. This is not an isolated company. They say no mortgage paid since XXXX XXXX. Have an appointment with bankrupcy attorney as last attempt to save our home.
In XX/XX/2018, I brought my mortgage current by paying the past due amount on the account. I was informed by the mortgage company that by doing that, my account will now be reported as current. My recent credit report is still indicating my account is 120 days delinquent which is inaccurate. I have contacted the mortgage company and they keep telling me that they have fixed the issue, however, my two recent credit reports are indicating they are still reporting inaccurately. I am requesting that Ocwen update the 3 credit companies with the most current account information and stop reporting the account as being 120 day delinquent which is inaccurate. Additionally, I only have one account with Ocwen but they have two accounts listed on my credit reports which is also inaccurate and i need then to delete the additional account on my credit reports.
XXXXXXXX XXXX is reporting on my credit that is not mine, im requesting a verification of this debt I so call owe, which I am entighteled to under the fair credit reporting act in writing within 5 days.
1. The Solomon & Solomon send me a letter dated XXXX, XXXX, had been retainedby New Jersey XXXX XXXX XXXX Assistance. Notice of opportunity to contact within 30 daysto dispute the debt and statement they are debt collector. The letter was never sand regular or certified. 
2. I respond on XXXX, In that letter I asked Solomon & Solomon , PC. to validate the date. The letter stated to respond to a specific Notary Public, within 30 days. The leter was send by certified mail and received by Solomon & Solomon, Pc. on XXXX/XXXX/2015. 
3. I also pulled down my credit report and saw that this debt had been charget off. 
4.Solomon & Sollomon garnished pension of the co-signer, on the amount of {$2000.00} with out notifying me as primary creditor. ( This is a felony ). 
5. I was servet withlawsuit on XXXX, XXXX Solomon & Solomon regarding this maner.
I obtained a loan modification from Ocwen. My statement shows that Ocwen took {$1700.00} from my escrow account as a Loan Modification Balance Adjustment. It is my understanding that only taxes and insurance are to be taken from my escrow account. Those payments were also taken out.
On  X/XX/2017    my roommate reported that I needed to ca ll Citi Cards to pay  my debt. They discussed the details of debt including amounts. I have not given permission to speak to anyone other then myself regarding my debt. They have violated my privacy and put mt in an uncomfortable position.
SPS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX A full short sale package was faxed to SPS on XX/XX/17. Week after week SPSs underwriting dept claims something is missing, even though the short sale was started almost 2 months ago. They are refusing to do a complete review of the file and give a complete list of items missing at the beginning of this transaction. Instead they piece-meal it out and claim something different is missing each week. They ignore the documents we have already sent, even though their front-end dept can see it clear as day. They ask for proprietary items that do not exist online. They make up requests that have nothing to do with this borrowers situation. 

Clearly, SPS doesnt have enough employees, and they are doing anything they can to reduce their workload. SPS has too many files, too few employees, and they are simply not able to service their files appropriately. This is happening on all of our files with SPS recently -- It is also happening on XXXX XXXX for homeowner XXXX XXXX.
A judgement was entered from  XXXX   XXXX ,  XXXX . Idaho has a   XXXX   year renewal.  XXXX  renewal  XXXX .  XXXX  renewal date  XXXX   XXXX ,  XXXX .   { XXXX } Principal debt { XXXX } Post-judgement interest { XXXX } Accrued costs { XXXX } Total debt The original debt is a mistake. The   XXXX   XXXX  , which has since closed, never presented the debt to defendant and judgement was made without our knowing. This is a complete mistake. We never received any information or opportunity to solve this matter until  XXXX  and now again  XXXX . The debt collector and  XXXX   XXXX  practice have the same address.
I made a withdrawl from my savings account in the amount of {$20.00}, I was assessed a fee after the withdrawal which was back dated obviously. The ATM would not allow me to do a withdrawal if I didn't have the funds available. I do not have a problem with being assessed the fees, hitting a hard financial situation and needing to pull the funds out of my savings and paying the fee is one thing. But having the fees charged after you allow a transaction is bad practice. This all happened the same day the issue happened with my checking account which already has an open complaint. I do not like being penalized when the system/ATM/APP/and online services tell me one thing and then the next day tells me something different.
I have been locked out of my google wallet account and will not be notified of the reason for such. I have emailed, called, and contacted multiple times with no useful response to the issue. I feel that I have the right to know why incase there was something that could have been compromised with my account and/or personal information that google keeps on file.
This morning, XX/XX/XXXX, I received an alert at XXXX telling me that my account was overdrawn by XXXX and that an overdraft charge " transfer '' fee of XXXX was applied to my account. I contacted the bank at approx XXXX EST and was advised, in short, that my account was overdrawn because of a transaction that posted as pending from my account on XX/XX/XXXX ( amount of the transaction was debited from the available balance ) but was subsequently removed from pending on one date and posted to pending another date. I advised the representative : 1. I advised Wells Fargo 1+ years ago that I did not want to be enrolled in overdraft protection, 2. The amount that was available to me did not go below XXXX. I actually had a receipt showing my balance from a XXXX XXXX ATM on XX/XX/XXXX, and 3. That only 2 weeks prior ( XX/XX/XXXX ), I had a similar situation occur where Wells Fargo did not apply the overdraft to my account. Instead, an option to deposit the residual funds was provided to me. The representative advised me that Wells Fargo did not offer such options and that maybe their systems had been hacked. She then advised me that the bank would not allow me to remove the overdraft option from my account at all!!! I proceeded to advise her that I had email and pictures to support my claims and that the bank could not MAKE me participate in an " optional '' service that I did not want to participate in. I advised her that my account, in truth, was only overdrawn because Wells Fargo charged me an " overdraft transfer '' fee of XXXX. I told her by simple mathematics, the transaction ( which was {$36.00} ) could not have resulted in a negative balance of {$7.00} if the bank applied {$10.00} and a {$12.00} fee. My account had XXXX in it prior to their intrusion. I feel extremely violated. In fact, they did not send me an alert until XX/XX/XXXX at XXXX. It feels like this was intentionally done so that I could not make a timely deposit. I complained that this is the reason that Wells Fargo is now involved in a class action suit and is being restricted by the government to operate profitably. She then advised me that she would have to connect me with corporate because I made comments regarding their pending law suit and regulatory restrictions. She transferred me to a number that just rang. I disconnected after 3 minutes. They still have not removed the fees or charges. They should not be allowed to continue operating under such deceptive practices. I am going to contact my senators and House reps with this complaint as well. ( see attachments of all my supporting documents )
I went to a Western Union provider and filled out the order to send {$470.00} but added a " test question '' because the recipient had his wallet stolen and did not have an ID. The transaction went thru and printed me a receipt. The charge for the service was {$40.00} When my friend went to pick up the money he could not because the " test question '' was not listed on the transaction. The reason is that Western Union has a rule that you can not send amounts over {$290.00} with a " test question ''. So he could not get the money. I called and they told me to go back and get a refund. So I did but they said they would not refund the {$40.00} fee for sending the money. I do n't understand how they can charge me for this when I was not informed that this transaction would not be deliverable. I was printed a receipt. Their system should have not let this " undeliverable '' transaction to complete. I think their software should have kicked this back and should have not allowed this transaction to complete. I want my {$40.00} back
XXXX paid out a {$500.00} transfer that my bank returned ( and charged me return fees on ) without my knowledge, consent, or any indication in their terms of service that they would be doing any such things. I paid the recipient cash since after and thought the matter done, but XXXX  just took a {$310.00} payment 2 years later, claiming that I owe them {$500.00}.

I never applied for credit, was informed of a balance, or consented to it. Furthermore, prior to receiving the payment, I checked my account and it showed a {$0.00} balance, not $ -XXXX  and my account was not frozen or labeled as having any problems with it.
I have received a response from Avant an account on my credit report. Ill attach the documents that they sent me ; I asked for proof on a original signed contract with my signature. The letter Avant sent me was stating I called and opened up an account give me verification that I did that. My information was stolen and multiple accounts were open without my knowledge, this is hurting my credit. It was no information about how they did their investigation. According to Section 609 of the FCRA you have to provide the proper documentation. Show me verification, show my signature on a contract or let me her my voice saying yes this is XXXX no Ill keep fighting to exercise my rights until something is done. Ill keep fighting for all consumers all over the world.
I have  two  accounts with  Capital One  that are past due, they flat out refuse to help in anyway, shape or form! I was on an " early assistance '' program, that ended and now I can not pay the bills. They wont let me go back on it, they said my accounts are not qualified for a collection status at all. They wont lower payments or interest rates at all.   I have several other credit cards that have eliminated the interest rates  COMPLETELY f or 6 months, and capital one a multi-billion dollar company flat out refuses to do that!!!!  <P/> And none of their " kids '' are trained at all, I was transferred to so many departments and they all had no clue about my account at all . SO FRUSTRATING.  I want those two accounts on a program that eliminates the interest totally and lowers the payment.  <P/> And their " automated " system doesnt work at all, it was supposed to transfer me to collections, and it takes you wherever!
The loan officer XXXX XXXX with SECURITY NATIONAL MORTGAGE gave a pre-qualification for {$230.00} to buyers making a little bit over XXXX p/year. Once under contract and within 2 weeks to close escrow she gave a denial letter saying that the buyers did n't get approved because they do n't get paid by the hour as they told her but they get paid by piece. She had the XXXX and paycheck stubs from the buyers since the day they applied for the loan and it 's very clear that they are getting paid by piece. She lied to the sellers agent by saying that the buyers lied to her and when she realized that the buyers were going to lose their earnest money for being dishonest she back out of her story saying that it was their supervisor who miss-informed them and that they did n't know that they get paid only by piece. However it is very clear in their pay check stubs and XXXX how they get paid.and how much. If she were to look at those documents for one minute she would realize that they do not qualify for a {$1500.00} monthly payment when between the XXXX of them have made {$21000.00} this year and it is evident ( on the paycheck stubs and XXXX ) that they get paid by piece not hourly. Her negligence cause the seller to lose XXXX other offers that were submitted for the house and has created a big hardship as she needed to sell her house right away to comply with other obligations. Because of her negligence the buyers lost money having an inspection done on a house that they were not going to be able to buy as in reality they do n't qualify for a hose in this price range. She gave a pre-qualification an issued XXXX XXXX saying that the buyers were approved for this loan when the reality is that they were never going to be able to purchase the house they were under contract.