WillisBack/dataset-financial-user-claim huggingface dataset:
I never received a notice from the ORIGINAL creditor which was XXXX XXXX XXXX. My insurance covered the visit and the amount billed to me was incorrect. I talked to someone over the phone and said the bill was fully covered through my insurance. Months later I got an email from XXXX XXXX stating I have a collections account from XXXX XXXX audit for {$68.00} which is only reporting through Equifax. This contract was CANCELLED and this collection company does NOT HAVE A CONTRACT
This specific XXXX XXXX XXXX ( Account # XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, XXXX & transunion ) and now i see that they are back. Please delete XXXX XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX XXXX removed from all XXXX credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!
Repeated calls and states I have a debt. Will call at work, cell phone for work and home phone not stop fromXXXX to XXXX. Need to stop the calls and send me a letter instead
On XXXX.XXXX.2017, I was notified that Debt Recovery Solutions LLC, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, was reporting that a collection on my report. I immediately contacted the agency that this was not my account. I had disputed and removed this account previously and I am at a loss as to why this is back on my credit report. I requested validation in writing from the company and submitted a disputed verbally. I received one paper that looked like a receipt. I did not receive anything showing that I had been treated, no original documentation with my signature, no account number, or that I had been treated to incur this debt. I also disputed this with XXXX, and was told that the agency had clicked a button stating that it was my account and that was good enough. NO DOCUMENTATION has EVER been provided because I was not seen, this company is reporting fraudulent information and it needs to be removed. I will report this fraudulent action to every government agency I can until practices like these are stopped. Tis company gives other legitimate collection companies a bad name.
Initially I sent them letters about inquiries about inquiries that I have not authorized. The credit agencies have failed to provide the creditors permissible and signed authorization that I have initiated excessive inquiries.
I opened a number of CDs with EverBank on XXXX XXXX, 2017. I did this by phone with an EverBank rep, laddering the CDs for one year through five year maturities. 

Recently I inquired by phone about early withdrawal fees on these CDs. The rep told me that I would have to pay 25 % percent of the interest I would have earned over the full length of the CDs, even though the products are only three months old. 

This means that I would have to pay a substantial amount of my principal to the bank. I was never told about this when talking to the initial rep. This smacks of robbery and is totally inappropriate. Other banks in which I hold CDs will usually take back a portion of the interest already earned, not 25 % of all future interest. 

I could not find this penalty in their Web advertising which I will be attaching. 

I have to say that I am shocked that TIAA, a very respected organization to help teachers and professionals to plan for their retirement, would be associated with this bank. Their policies which they do not discuss on their Web site are cheating consumers.
Phone rings, they leave NO message. I have caller ID so I know the company that is calling me. It is portfolio recovery. Their phone number is XXXX XXXX. I have not talk to anyone as I do not know who this company is. I have no idea why they 're calling.
I have a loan with XXXX XXXX XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, XXXX XXXX XXXX and XXXX XXXX with no successful resolution. XXXX  and Equifax were reporting me late. There was definitely an error on their part. I was never 30 days late.
I attended the University of XXXX from XX/XX/XXXX-XX/XX/XXXX for my undergraduate degree. XXXX loan of my was private through XXXX XXXX, now Navient. When I completed my XXXX degree XX/XX/XXXX to a terrible economy I was allowed a forbearance and then a reduced payment. I was unable to find a full time job for 6 years. In the 3rd year I started working as a XXXX. I was making XXXX dollars XXXX. I had to XXXX to pay this loan each month, but I did it to keep it in good standing. I 've been working full time now, underemployed, for just over a year, and I declared bankruptcy to get rid of old personal debt. Clearly, I 'm struggling. As soon as Navient took me out of " bankruptcy forbearance '' they more than doubled the expected monthly payment. I called several times to ask for help. They took a " financial statement '' from me twice, each time they counted my income differently. XXXX stated I had XXXX dollars a month available cash to pay the loan and another stated I had XXXX. Neither are true. I am scraping by and unable to put anything in savings at all. I offered to pay what I was paying before the bankruptcy, and they refused. I pleaded with them, and I was told that they had done enough for me and now there was nothing more they were going to do.
I am an additional XXXX on two different credit cards. The problem is I am not financially liable for the debt. The credit card companies are reporting the total amount due on my credit report. This seems to be industrywide practice I have no financial responsibility. And it should not show up on my report.
Just Pulled All of My Credit reports and they show a higher balance on  XXXX  and  XXXX  card I 'm on with my wife, impacting my score to a lowe r o  ne.  Since  XXXX   XXXX  I have Paid {$100.00} on the  XXXX  account that was previously {$510.00} high balance ( Now {$410.00} ) and my  XXXX   XXXX  which is reporting {$4700.00}, But should be {$3400.00} as I made {$1300.00} in total payments since  XXXX   XXXX , I have also made a {$67.00} payment to   XXXX   XXXX  . My  XXXX   XXXX  was also updated during this same time period.
XXXX, EXPERIAN, and XXXX is posting old information on my credit report. I have made several attempts to settle the matter and XXXX, EXPERIAN, and XXXX have ignored my notices. As of today, XXXX/2017, i have several inaccuracies listed on my credit report and old information that should be removed according FAIR CREDIT REPORTING ACT and statue of limitations. My character is being damaged and the Credit reporting agencies is making it very difficult for me to obtain new credit.
I used to have chase account before I came back to XXXX XXXX. And I closed it and swifted money into my XXXX account at XXXX. But at XXXX, it was delayed, and now it cancelled.
In XX/XX/XXXX, I attempted to refinance my mortgage with Wells Fargo using the HAMP program. I believe I fit into the classic reason the program was established. I was current with my mortgage ( never a missed or late payment ), but had lost my job in XX/XX/XXXX. I worked for XXXX XXXX and my annual salary was XXXX {$XXXX}. In XX/XX/XXXX I gained employment, but at a significantly lower salary $ XXXX. Through hard work, I was able to quickly increase my salary and was making $ XXXX by XX/XX/XXXX. Even with the increase, I was struggling to make my mortgage payment, but again was never late. HAMP was designed to help people in my situation. The stated intent is to modify mortgage terms so that the monthly payment is no more than 31 % of a persons gross income. At the time I requested a refinance my payment was 38 % of my gross pay. I was denied and encouraged to apply for a HARP loan. I agreed ( desperate to skip a month with no payment ). I did get a slightly lower rate ( from 6 % to 5.125 % ), but my old loan was " interest only, '' so the net was a higher mortgage payment. After the process my payment moved to 39 % of my gross income. I attempted to resolve this years ago and never got a clear reason from Wells on why I did not receive a HAMP modification. I finally dropped it, but after the recent news that clearly shows Wells did/does not have the proper governance and controls in place, I am requesting someone review my situation. I have since moved and found another lender to work with, but believe I am the victim of UDAP and there are likely others in my situation.
I received letters covering various bank accounts at PNC bank informing me that after over 30 plus years as a loyal customer that they were closing all my accounts, checking, savings, money market, and credit card. Reason for the closures was not given but I assume it is the result of felony guilty pleas in Federal Court in XXXX. PNC in late XXXX sent out the letters closing my accounts creating much XXXX as I was then forced to open new accounts with another institution.Why did they wait 7 years AFTER the plea to address their concerns? Please help me understand why they are permitted to take this type action. Thank You
XXXX  is still reporting account that was over year ago reported as Unauthorized ID fraud from  XXXX   XXXX  this is still causing harm and must be corrected removed
PNC Mortgage sent {$1500.00} to an insurance company in XX/XX/XXXX and then sent another payment to another insurance company in XX/XX/XXXX fro {$1300.00} and then another payment in XX/XX/XXXX for {$1400.00}. 

Some one was XXXX paid and they ca n't / wo n't tell me how to get my money back!
in 2012 I entered into a " settlement note '' whereby I would pay {$100.00} a month for 100 months in exchange they would release me from my personal liability for a mortgage that was in foreclosure. We signed all the papers and I began making my payments. After a few months I began to inquire about the release document and was told that it was forthcoming. after that I was told I would have to get it from XXXX. Than I was told to get it from fannie mae all along I continued to make my payments timely. After a few years I was informed that the lender pursuing the foreclosure was going to pursue a judgment against me personally as part of the foreclosure. My lawyer explained that I had been released already and they said not to there knowledge. I than called again and after alomost four years was told that there was a mistake and they were refunding to me my payments. I explained that they had to leave up to their side of the bargain and they said no. It was n't their problem.
applied for the california XXXX program which court said i was intitled to 80 % reduction of fine sent payment to alliance one as instructed by their representative also sent in court papers as requested. now almost 3 months later after they have cashed the 80 % payment check they have not honored XXXX still attaching wages and i still do n't have a drivers liscence
There is a Circuit Court claim on my report and I have never even lived in the county that it is from or have never had papers served in that county. I requested a disputed and it come back with no changes. I need this corrected, because this is not mine.
I have call transUnion and told Them That XXXX XXXX XXXX XXXX  shouldn't be showing on my inquiry onXX/XX/XXXXbecause I haven't apply for no service with XXXX XXXX an they told me that they can't remove. An I don't have no cell phone service with XXXX I have XXXX XXXX XXXX  service This is what is listed on my inquiry : XXXX XXXX XXXX XXXX -TransUnion XXXX-TransUnion XXXX   inquiries listed incorrectly doesn't belongs to me XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX  XX/XX/XXXXPriority XXXX   XX/XX/XXXX XXXX  incorrect inquiries don't belongs to me XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
I guess the overall problem I have with Sallie Mae/ XXXX is that when I was at XXXX University the only way for me to afford staying at school was taking out the money and this company made it way too easy for a XXXX to XXXX year-old to take out such large sums. Once I graduated and after the grace period was up I started receiving calls almost daily. I was working as a receptionist and could barely make payments and the customer service reps I talked to knew no ways to help lessen the burden. After waiting on hold for hours at a time multiple times a week to talk to people in the company I was able to stop payments. By then I had moved up in the company I work for and could resume the payments - though it now basically takes an entire pay check away. I read in a recently posted NY Times article that XXXX has a well-established, positive track record of supporting student borrowers to succeed in repayment, and we respect our customers communications preferences, XXXX XXXX, a XXXX  spokeswoman, said in an emailed statement. Calls are an important way to help struggling borrowers enroll in federal repayment programs that lower payments based on income and help avoid defaults, she said, adding, The only borrower we cant help is the one we cant reach. Which is just so untrue still receive 3-10 calls a day as well as text messages. Sometimes they are n't even for me, I have been called XXXX, XXXX and XXXX. I find the calls to be spam and if there was a way for me to reduce my loan debt I do n't believe I should have to pay XXXX $ for it. I have also been warned from many parties about the collectors still harassing its people even after the debt was paid. My eye doctors daughter got her student loans paid off, however, Sallie Mae/ XXXX continued to contact them stating they still owed money - to which he advised I keep all email communication from them because they were currently in a lawsuit and it might be needed one day. I have tried reaching out to other lenders in the hopes of borrowing money from banks to be rid of Sallie Mae/XXXX but my credit now is low and my debt to income ratio is out of proportion no one will give me the amount I need - I really am just trying to get out of the extremely high-interest rate. While I believe this company is a gross offender in predatory lending I take the responsibility it taking out the money and will pay it back but the 8/5 % to 10 % interest rates on each of my 4 loans is astounding.
Discover bank is trying to obtain my phone number for illegal purposes. I have a private student loan from Discover. In XX/XX/XXXX I had some issues with them harassing me and my family via phone. As this time I requested that Discover not call me anymore. This do not call was violated a few times over the past 5 years, but more or less was abided by. On XX/XX/XXXX I attempted to log on to my online account, but I could not without entering a phone number and clicking on a button to accept calls and communications from Discover. I called discover and asked to speak with a supervisor. They told me they would investigate. On XX/XX/XXXX I attempted to log on and pay my bill. I was still being required to enter my phone number. I called to follow up and spoke with XXXX ( Refused to Provide Last Name ), A supervisor in the Student Loan Department. She reviewed the file and told me there was nothing she could do. I asked to be transferred to someone who could help. She refused. I asked to be transferred to the Executive Office. She refused. I asked for the phone number for the Executive Office. She lied and said there was not a phone number. I explained to her that I know that is not correct. She then back-peddled and explained she would have to look into it.
Through the help of XXXX, formerly the HUD Certified Housing Counseling Agcy, I filed for a Modification Loan with Ocwen Mtg Co., my paperwork showing the date of filing on XX/XX/2015. Again and again, I have sent documents requested by Ocwen, either directly from my fax machine or when they claimed they did n't receive them, through XXXX fax machine. Apparently Ocwen is not properly utilizing the webportal called HOPE LoanPort to pull recently uploaded documents. 
Again, today, they requested documents sent to them more than once over the last XXXX months, prolonging a decision on my loan. Ocwen informs me they have an auction date on my home of XXXX XXXX, 2015.
Navient has been reporting late payments on all 3 major credit bureaus. I know for a fact that they were deferred. I have never faulted on my student loans. Yet, Navient has reported late payments between the months of XXXX through XX/XX/XXXX on 5 of my student loans. I 've made attempts to rectify this error but have been completely ignored. I 've sent 4 certified letters on XX/XX/XXXX and received no resolution. Although all my accounts are paid and closed, this major error is affecting my credit worthiness. I just do n't understand how they are allowed to stay in business and do this to people.
A Salesman from XX/XX/XXXX tried to sell me a bed for over {$5000.00} I repeatedly told him I could not afford a {$5000.00} bed after 5 hours trying to sell me the bed at {$5000.00} told me I could have it on sale today only for {$2000.00} After I agreed and signed papers at {$200.00} he later added numbers that brought it to over {$5000.00}. The money to buy the bed was loaned to me by preferred credit, I am Bankrupt since 2009 XXXX and only draw Social Security. The sale of the bed at the price of over {$5000.00} was fraudently done
I opened a payday loan with advance financial they immediately told me that because I took out a payday loan that I qualified for an installment loan also I ended up taking out the installment loan also. I may have made one payment on the installment loan before they told me they no longer offer payday loans or installment loans. They said I had to switch both loans to their new flex loan. Right after doing this I started asking a lot of questions which no one could answer. I spoke with a district manager who also could not explain how the loan works. This loan put me in a financial down hill spiral because they kept offering more money which I accepted but ca n't afford to repay at their interest rate. I asked them for a printout of my payment history which they stated they could not give it to me. After doing some research and talking to a financial counselor I realized they used the bait and switch tactic on me.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit. XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), Unknown Name ( XXXX  : XXXX ), XXXX  XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX : XXXX : XXXX Transunion : XXXX ), XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX ).
I am currently looking to discontinue my payment arrangements with Pro Collect Debt agency regarding my outstanding balance with XXXX Prior to today I did not have any previous issues but this is cause for concern since I do not want any further inconveniences with my credit. I made payment arrangements of {$100.00} due on the XXXX of each month and was contacted today at XXXX am stating my payment was declined due to insufficient funds. I find this concerning because XXXX I work for my financial institution and can verify if a payment was declined for this reason, and I would have also seen a charge of {$29.00} hit my account. My account had sufficient funds to not only cover the amount but also the fee of {$7.00}. After speaking with XXXX or XXXX a payment of {$100.00} was successfully processed. I do not wish to receive further calls stating my payment was declined due to Insufficient funds and was able to speak with the apartment manager XXXX or XXXX regarding the issue of the phone call and my concern for my future payments. She did offer assistance in processing future payments via a Money Order and honoring the current balance of {$790.00}. I find not only a concern that the assigned Account XXXX sped through the last phone call I had with her, but also a concern that when attempting to resolve this matter with a Supervisor, I was transferred multiple times only to receive a busy signal. I also find it discomforting that during a LiveChat session with XXXX XXXX required my full Social Security Number to simply tell me that they can not send me any proof until I have paid the account in full. It is disturbing the lack of customer service debt collectors have. I speak from personal experience in assisting my place of employment as well.
EQUIFAX continues to report unauthorized credit inquiries on my my report even though i contacted the companies and got no respond. Equifax stated that they will not investigate inquiries. 

Name of Company Date of Inquiry XXXX XXXXXXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX : :XXXX - XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.