WillisBack/dataset-financial-user-claim huggingface dataset:
My  Homeowner Association for a  rental property in  XXXX   XXXX  changed  XXXX   XXXX . I had automatic payment for the  HOA f ee, but the automatic payment did not get set up with the new association resulting missed payment from  XXXX   XXXX  forward to present.     The association contacted a collections agency to collect the debt from me and sent a letter to me on  XXXX   XXXX ,  XXXX . I was not aware of this incident until this collection letter. The amount owed is {$400.00} and {$50.00} in late fees from the association for a total of {$450.00}. The collections company is asking for {$910.00}, when the amount I owe is {$450.00}.     This amount is grossly marked up. This is more than double than the original amount owed and is unfair and unreasonable.     From what I understand from t  he Fair Debt Collections Practice states they can not collect more than the amount owed.
Please help.
XXXX is illegally reporting my account as late after my bankruptcy when it was in good standing up til the filing. They closed my account, would n't take anymore payments and now reporting monthly as over XXXX days late. I attempted twice to contest this and they continue to do it.
I sent a investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. Well over 30 days have passed, and I still do n't have a response back from either.
Charged by XXXX for XXXX semester ( XXXX 2004 ). I was n't allowed to attend that semester by the XXXX at the time due to lack of finances on their record. Or at least, that what I was informed. I did not attend classes because teachers also did not have me n their rosters. When I attempted to attend classes when the semester began, I was directed to financial aid where I was then told I did not have the finances. Only to be charged in later years for the loan for that semester when I was no longer attending school. I have accumulated delinquencies & am now paying debt on a loan I never received.
US Bank sent me a letter letting me know that have made a business decision to forgive my debt and to let the consumer reporting agencies to remove the negative item off my credit report. I 've sent the letter to XXXX on XX/XX/2017 they have responded with the account was updated Not removed.
I have contacted and sent Fraud Affidavits to Equifax with regards to the Inquiries that are reporting on my credit file and incorrect address information. To date, Equifax have not remove these items from my credit file. I have been a victim of identity theft and I will like these items removed : Inquiries, Incorrect Addresses : XXXX XXXX XXXX and XXXX XXXX, XXXX, GA. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.
On XXXX XXXX, I paid an amount of {$500.00} to Municipal Services Bureau which was the amount owed at the time. I looked at the account 4 days later and it said I owed {$3.00}. When I called to ask what this charge was they say it was an interest charge that accrued on the XXXX of the month. I called to have them rectify this since I paid the full amount due on the XXXX and they told me that management would reverse it. It still has not come off of the account and still shows up on my credit report. I requested it be reversed and that they send a paid in full in full statement.
Santander  consumer is still reporting on my credit report as late payment and reposseion, my car was totaled out and the insurance company aid it off it was never reported
This is a complaint from  XXXX   XXXX  again st TD Ba nk, because it is trying to collect from a person that does not owe the debt. Specifically , TD Ba nk continues to report this debt on  XXXX   XXXX  's credit report, despite being shown evidence that he does not owe it. The true obligated party for the debt alleged is  XXXX   XXXX .  XXXX   XXXX  managed the business at the time, but did not assume any personal obligation for the loan.     Evidence that  XXXX   XXXX  did not owe the debt was provided in a  XXXX   XXXX ,   XXXX   letter to TD Bank  (  attached as exhibit #  ). Th e letter further requested that TD Bank either provide evidence that  XXXX  has a personal obligation to the debt or remove it from his credit report. TD Bank did not respond to this letter, nor remove the item from  XXXX   XXXX  credit report.     Because of TD Banks non-response, disputes were filed to the credit bureaus. Each bureau responded that TD Bank replied to the dispute and verified that the debt alleged and reported was valid. A copy of the dispute reports are attached  )   XXXX   XXXX  is not personally responsible for  XXXX   XXXX  debt. TD Bank is actively ignoring requests for removal -- It is unfair, abusive and deceptive that TD Bank continues to give no proof of its claims while it negatively reports on  XXXX   XXXX  credit reports. Reports of unpaid debts of this size are extremely harmful to a perso ns credit score. As a r esult of this negative reporting,  XXXX   XXXX  has been unable to qualify for lending and refinancing opportunities.
In XX/XX/XXXX, I opened a checking account with Bank of America. Less than three months later, they closed the account and froze my funds for weeks with no warning or explanation. Fast forward to the present day, and I can not open a new checking account anywhere because Bank of America has reported derogatory, inaccurate information about my brief banking history with them to a company called XXXX XXXX XXXX, which is accessed by 99.9 % of financial institutions before they will open a new checking or savings account for a consumer. Specifically, Bank of America 's statement on my consumer report is : " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. '' I followed XXXX XXXX 's dispute procedures to have this information removed from my account in XX/XX/XXXX. One month later, they sent me a generic form letter stating that they 'd confirmed with Bank of America that the information reported was accurate and would remain on my consumer report. XXXX XXXX provided no copies of any of the information that B of A shared with them to support this decision, and in following up with them, I was told that it will be another three years before this information will be removed from my consumer report. I 've called Bank of America numerous times to contest this, and just today, spent 2+ hours on hold with no representative ever taking my call. 

XXXX XXXX is also reporting that I have a balance owed on a previous XXXX account that has been closed for over five years, but which allegedly was just reported to them in XX/XX/XXXX. Same deal -- - I disputed this, and received a form letter that the debt had been verified as accurate, but was given nothing substantiating this from XXXX itself.
I am XXXX XXXX due to a rare, chronic and incurable illness, and have been out of work for more than one year. The only source of income I have is XXXX XXXX which is n't enough to cover my medical needs. Navient completed a financial assessment stating I 'm about {$6700.00} short of monthly expenses. My student loans are in repayment but I 'm not able to pay them. At near default status, I was able to get on a reduced rate program for one loan. To pay this, I 'll have to forego medication each month. XXXX more loans were in the same status and after providing financial information, an amount was offered at a reduced rate of {$280.00}. Though this amount will mean I must forego more medication, I needed to accept it or risk my parents being sued for a debt that belonged to me. The payment was to be drafted at the end of each month. I received a call at approximately XXXX from the representative who set the program up for reduced payments. He told me that his supervisors manager denied my reduced payment request because of my revolving credit payments. Somehow being {$6700.00} in the negative has no bearing on my ability to afford to make student loan payments. He then said I had until XXXX to pay $ XXXX+ to add to the {$280.00} drafted today for the loan program I agreed to. He would n't give me the managers name nor transfer me. But he said my loan would officially default now, as a result which was not supposed to happen. I was mislead into giving navient access to my account. I called the advocate office and they would n't open a complaint for me. The representative was told to transfer me to the rate reduction team. From there I remained on hold for nearly 90 minutes until I finally disconnected because I was experiencing high levels of pain due to the XXXX. I do n't know what else to do at this point. These loans were already and issue because they were illegally modified for approval. But now I 've been mislead for my account access, money has been taken and threatened with loan default and possible legal action.
I transferred my cable service from XXXX address to another with XXXX XXXX XXXX in XXXX 2015. The sent my old account to a collection agency even though I still have service with them. I have contacted them every week since XXXX to correct the error. I also told the collection agency that I still have an account with XXXX XXXX. I 'm still receiving call and notices from the collection agency and have paid the old account off with XXXX XXXX. I reviewed my credit report and the collection agency is reporting this balance as a collection with their company.
Kohls is bordering on harassment calling me 6\7 times a day. They want me too pay for a mistake that a worker made with my credit and now they want me to pay for that mistake. Well I 'm not paying for someone else 's incompetence.
I opened a sears credit card in XXXX, I was told I could use the credit card any where not just the store. It turned out I could n't, I tried using the credit card a week ago and I could n't use it. I spoke to multiple customer service representatives, who where unable to verified my personal information for security reasons after I sent the SEARS the requested documentation they needed. Many of their customer service representatives hanged up the phone on me because they refused to help me in my situation. The company lies about credit cards. The only time I was able to set up an online account to verified that I paid what I paid, that was the only time I had access to the account. Sears demands again all my information and I am not able to even use the credit card. In addition, I was charged {$35.00} fee for late payment because after days and days of calling the company to verified my information, they were rather interested in me paying that doing anything else. They did waived the fee, but it was not until I spoke to a supervisor after mostly all customer service representatives refuse to transfer me to the supervisor. The company lies and opens credit cards that are only good use in its stores, there was no information given nor terms of conditions when I open the credit card, so I do not know how much in interests I am being charges.
I filed for an income based repayment or deferment and submitted my form electronically. I have all of the email correspondence and confirmations that the form was received, accepted and approved through the entire process. 2 months later I was denied a loan because ALL of my loans with Navient were reported late on my credit bureau. It shows still, over a year later, in excess of 12 late payments - one for each loan. 

I spent almost two hours on hold to get them to reverse what they had done. I was repeatedly told by the customer rep, then a supervisor and then another supervisor that I did n't properly submit my form although it was completed online electronically and my monthly statement showed {$0.00} due. I tried to send them the confirmations and the emails but they kept dropping my calls ( hanging up on me ). One of the supervisors did n't even notate my account. When I called back after they " had system issues that dropped the call '' I was given to another supervisor who did n't see anything the first supervisor said. It was over 30 minutes later and I was on the phone with that person for over 20 minutes and they never once notated my account. 

I have disputed the late payment on each loan with the credit report companies but Navient validates the debt. I am currently going through a federal background check for employment and they have contacted me twice now regarding late payments to the federal government. Navient 's error may cost me a job that will finally allow me to be able to afford my loan payments. I am seriously at a loss on what to do, where to turn or how to get this remedied.
I closed a locker at my Bank of America branch ( XXXX XXXX, CA ) in XXXX 2016. They were supposed to refund my deposit of {$25.00} to my checking account. Its been 6 months and I have called them 3 times but nothing seems to happen. 

Can you help me get my $ $ back?
In my opinion, Citi/AAdvantage erroneously charged me interest and late fees when they did not provide a bill for a number of months. They converted me to paperless statements, then did not provide the paperless statements for 5 months, while interest and fees accummulated. Because I used this card exclusively for buisness travel, and because I pay my credit card bills in full, it was not unusual for there not to be a bill for a few months. 

I did not discover an issue until I tried to use the card on a business trip in late XXXX. I called the company immediately, asked them to remove all fees and interest, and paid the resulting amount in full. They continued to charge late fees and interest,. 

After numbeous contact via phone, chat, and snail mail, I finally paid the {$120.00} balance, under duress, only to avoid any dings to my credit report.
On XX/XX/XXXX I had a broken pipe and my home was damage, XXXX XXXX. step in and did and evaluation and immediately start initial work. As soon as they finish the constructor completed the reconstruction and I paid them meanwhile XXXX send the check. 
When XXXX send me the check, I have to endorsed to Newamerican for them to evaluate the damages en return me the money I already spend. New American send an inspector and at this time is giving me a hard time to collect that money.
I attended a XXXX XXXX XXXX promotional event in early XXXX of this year ( 2017 ). I did not choose to become a time share owner during the event, but I did sign up for a loyalty rewards program in correlation with American Express. It seems that the onsite personnel who sign you up for the XXXX Rewards Program card are XXXX employees and are not provided proper training on the actual features of the card. I believe that I was misled concerning several features of the Rewards Program card. First, the XXXX employee mentioned that by signing up for the card, I would receive " Gold '' status with XXXX ; however, I found out after signing up that this is only true for certain cards that have an annual fee and only applies to my card if I spend {$20000.00} in a calendar year. I was also led to believe that this card would not have any foreign transaction fees. I recently took a trip to XXXX and purposely used the card assuming that no foreign transaction fees would be charged. To the contrary, I was charged many fees adding up to {$22.00} or so. I called American Express to discuss this and, again, this turns out to only be a feature of certain Rewards program cards that have an annual fee associated with them and not for my particular card.
The Sallie Mae rep lied to me. I called to tell them I was recasting my mortage and needed to defer my payments for up to 3 months untill the mortage process was complete. The rep instructed me to send in {$50.00}. to start the 3 month payment deferment. I did that and was called a month later saying I was late and I now needed to send in XXXX payments or it would go against my credit report. I told them aboth the deferment and the money I sent and they said that was not the process, I told them it was the process they told me and I did my part. they just kept calling me XXXX to XXXX times a day to tell me my credit would be effected if I did not give them a payment over the phone before friday XXXX/XXXX/15. I mailed the payment in full on XXXX/XXXX/15 and they show recieving it on XXXX/XXXX/15. Each time I called them I was given a different explanation for what they did, but the bottom line is I did what I said I would and they lied to me each time we talked and tried to intimadate me into giving them my banking info so they could take a payment out. Each call with them says it is being recorded so there should be proof as to what im saying. 

XXXX XXXX
I called today to make this company aware that I have had a personal emergency occur and that while projecting my budget out over the upcoming few months taking into account this emergency, I can foresee having challenges meeting the monthly amounts. I asked if there was a way to reduce the interest, refinance the loan, or restructure, even if only temporarily, the loan. I was told no and worse yet, offered few to almost no options. I asked what the company did for people having trouble paying. I was told short of adding an additional $ XXXX to a new loan ( while paying off the current ) and hoping I could score a lower interest rate with the new loan without guarantee, the only other option was to defer one month 's payment in the current loan, and suffer an 'internal late fee. ' I am proactively trying to work with ALL of my creditors, my mortgage company included, in letting all know I am meeting with hardship. I am letting all know two months out before I believe I will be hitting this wall I see myself approaching. I am also a single-income household which makes this all the scarier. Why then, would they not work with me? Can I be the only person experiencing this with Lending Club? Not one time did I suggest walking away from this obligation. At a 25.9 % interest rate and knowing what I know now, I never would have entered into this agreement with Lending Club. I question whether their tactics and practices are even legal.
On XXXX XXXX midland credit has called me 4 times today. once at around XXXX, then at XXXX, XXXX and again at XXXX. At XXXX I told her I 'm not a secretary and goodbye. at XXXX they called again, no one answered. At XXXX, I informed them they were using a house phone. XXXX does not use house phone for anything, they had wrong number. I called them back and informed them they were harassing me. they said they were going to put on do not call list. they said that last week also and previous weeks. Also they asked me who I was and there were XXXX names at this number.
I applied for a Refi on an existing loan with Quicken Loans also a purchase loan for a new home. This was on approx. XX/XX/18 for both of these loans. I gave all relevant info and did the applications for both. Got a pre approval for the purchase loan. During the process I noticed that the fees on the loan closing estimate papers kept going up and was higher then what I believed was normal. I was told by the mortgage agent is usually higher on the estimate but it most of the time will go down. I completed all required paperwork got the appraisals done etc.. After doing this the loan interest rate changed after I was told I locked in the interest for 30 days. Then the closing costs and fees went higher. I brought it to the agent attention with Quicken loan and asked for a supervisor to contact me. That's when things took a turn, the supervisor that contacted me was less then polite. Because I continued to push the issue and claim that I was being guided into higher interest loans that my high credit score doesn't warrant my loan was denied. The official reason was that I couldn't prove that I had moved into my house for the Refi over 5 years ago. They wanted a phone bill in my name or proof of moving expenses. Quicken Loans cost me money for both home appraisals, time and almost cost me the house I was trying to purchase.
US Bank in XXXX, Kansas. I closed my bank account and wanted to reopen it but was denied. I had no bad checks or problems while the account was opened. I felt the Manager used his influence to get me to close it. I want to reopen this account.
On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to investigate errors on my credit report. Almost 3 months have passed, and I have not yet received a response. This is already the 2nd complaint I've filed for not receiving a response.
This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified as closed and XXXX balance. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
XXXX XXXX shows one missed payment and sold or transferred this was paid in full on time
I became aware of several charges on a Bank of America card. I contacted Bank of America asking them to validate the debt. They did not respond. Account was removed from my credit reports. Bank of America still reported the debt to the IRS.
I received a letter from XXXX on XX/XX/2018 stating I had a past due utility bill. The balanced owed is {$130.00}. I then pulled my credit report and saw this bill on my credit report. I filed a police report and contacted my monitoring service on how to handle this fraudulent account. I was told to send my documents to them and they would take care of this matter for me. The Identity Specialist sent a dispute package to the collection agency to the credit bureaus. The information that was included was a dispute letter, copies of my driver 's license, and social security card, proof of address, police report letter of dispute power of attorney and the identity theft affidavit. My dispute was denied so I sent an informal dispute to XXXX the commission of utility and my dispute is under investigation now. The XXXX XXXX agency closed the dispute and due to fraud. I have now received another letter from another collection company called Penn Credit stating I  owe the same balance. Penn Credit also received a dispute and all letters that were sent to everyone that this account is being disputed and investigation with XXXX and should have never been sent to them.