WillisBack/dataset-financial-user-claim huggingface dataset:
A company called Real Time Solutions is a Debt collection company that was sold a debt by XXXX  XXXX XXXX. I had issues with XXXX XXXX XXXX regarding the validity of the debt, date opened, payment issues that they didn't rectify along with predatory practices of non-disclosed fees, and failure to process payments. They were paid the original loan amount but due to interest, hidden fees, and poor processing practices, along with virtually no consistency regarding the management of the account. Reall Time solutions simply changes the debt date whenever I attempt to file a dispute with a credit bureau. This way the debt will never be removed from my report and will always be inaccurate.
I paid off two collection accounts with Portfolio Recovery ( accounts ending in -XXXX   and -XXXX ), the accounts are showing up on my credit report again. The accounts are stating that they are open again. Per law, Portfolio Recovery has 5 days to notify me of this and no notification has been received. The accounts have been PAID AND CLOSED. The receipts of these transactions are attached.
I recently had a card go to a charge off. I had been very diligent at keeping the bill below 180 days. I called Capitol One to set up my XXXX payment and was told it was due XX/XX/XXXX which the agent set up the payment for me. Upon logging in to set up my XXXX payment, I found the account had been charged off. I called and was told that they do not post or run payments on the XX/XX/XXXX ( XXXX XXXX ) I explained that was set up by their CSR. I was put on hold while they researched my claim. The lady came back on the line to tell me I was correct in all that I had stated that it was not my fault that the debt was charged off. The error was made on their end when the CSR set up my payment on a day that is a US Holiday and not worked. I was told that they would immediately be removing the charge off along with any history of this card from my account and from my Credit report. I spoke to XXXX ( spelling? ) and her agent # XXXX. She assured me this would no longer be in my credit history. I repeated to her my understanding of what she had told me, she said correct and I had the agent then repeat herself again. She also said I would receive such correspondence in the mail, which I did. ( letter is attached ) Now 2 weeks after the first letter, I have received a second letter from Capitol One now stating that they have investigated my claim of a dispute and have found that their information is correct and the late status and charge off will remain on my credit report. 

I take issue with Capital One because : ( 1 ) The creditor failed to inform me that the payment would not be processed in a timely manner due to the holidays ; and ( 2 ) The creditor acknowledged their mistake and made an agreement by phone and in writing, to remove the charge-off and account history.
The way these companies are set up is fundamentally NOT in the favor of the consumer. 
There needs to be a simple, easy way to get a credit report and XXXX score without having to sign up for a service that you need to CALL to cancel. 
It is not simple to set up a Fraud Alert or a Credit Freeze- that requires printing out forms, But these companies make it really easy to sign up for unwanted services that should be available for free. And they do n't make it clear on their sites that what they sell you is n't something you need to buy. The services that you can buy- they should make it easy to do online. 

Enough- anyone who understands credit report process at these companies or in the Govt. must know what I 'm talking about, and can articulate it better than I can. 

All I can guess it that - what is it? Lobbying? - somehow these companies have really worked the legislation in their favor. Because as a consumer- trying to work with them is not simple or geared towards my best interest in any way.
I have a basic checking account with M & T bank, I went to XXXX to pick up some things using my M & T debit card. My balance was XXXX dollars short unbeknownst to me at the time. Nonetheless, in stead of declining my transaction as it should have, it went through despite me explicitly refusing the overdraft feature for my account. I was then assessed {$38.00} for the overdraft fee and an additional {$38.00} for the account being deficient for 5 days. I 've noticed M & T does n't post monies to my account when making deposits on Friday prior to XXXX or XXXX. The entire weekend my deposits within these time frames sit idle and when Monday comes around they post outstanding items first as opposed to deposits to charge fees on accounts with pending deposits that have yet to post with outstanding check or debit card purchases. This has happened to me twice now. I 'm amending case # XXXX and requesting that all monies taken in the name of fees {$80.00} in this instance be returned immediately.
THERE IS ANY INQUIRE ON MY CREDIT REPORT THAT THE COMPANY TOLD ME THEY WOULD REMOVED BUT THEY STILL HAVE NOT DID SO AFTER 90 DAYS
I should start off by saying that this happened in XX/XX/XXXXand XXXX and I finally lost my home in XXXX to foreclosure. 

I contacted Citi in XXXX, MD, 3 different times about a loan modification. 

I expressed to Citi that my wife lost her job and we were having troubles maintaining our monthly mortgage. Citi had me apply for loan modification 3 different times, each time Citi claimed that they lost or could n't find all documents. later even suggested that I try to refi, at the end they told me that my credit was not satisfactory and they could n't help me. They also told me that they could n't help unless I was at least three months or longer in default. 

We maintained our payments up until the end when we could n't pay anymore. I lost the home and it later sold for {$110.00}, I had a mortgage of {$220.00}. 

When I called them in XX/XX/XXXXthey claimed that they owned me a letter releasing me from all debt and to clear my credit from this matter because of the hard work that your Agency ( CFPB ) has done, but I never received this later. 

Any assistance would be greatly appreciated. 

Regards XXXX
XXXX is attempting to collect a balance that is incorrect. Consumer will state further details after receiving a response from the company.
I have this inquires in my credit report that are incorrect and should be deleted. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX
XXXX of XXXX and XXXX NJ is coming after me for a debt we went to Supreme Court In XXXX XXXX NY in XX/XX/XXXX. THEY were not awarded the judge ent and they are also a third party collector for a debt that goes back to XX/XX/XXXX? 
They sent me another letter this week demanding all my personal info including banking, car and mortgage! I was horrified and did not provide it to them! 
What should I do???
I made a payment on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX. The payment was mis-routed and was never applied to my school loan serviced by Navient. I've called no less than 8 times and every time was given different information on when my payment would be applied to my account. 

I called in with a representative from my bank to confirm payment was sent and was told by the Navient rep that my payment would be routed to my account in 8 business days, after those 8 days I called again for an update as my account was stilled labeled as past due. I was then told that the entire process takes a total of 14 business days and that I would need to call back in another 8 business days - that  math doesn't add up, I know. 

I called again after my account is still labeled as past due and affecting my credit, and was told that for the payment to actually be applied to my account it would take several weeks. Never have I been given a consistent answer from their customer service representatives. 

My bank can not process a refund for me either, because of how their XXXX  is set up. They claim it is in Navient 's hands now to find and reroute my payment.
My present employer is XXXX XXXX effective XX/XX/2014. Also NEVER had a credit card issued with " XXXX '' as middle initial
I have a private loan originally taken out with XXXX XXXX. Navient is now servicing the loan. My original loan amount was {$25000.00}. It has since doubled. I was in default and they offered me a loan payoff of 85 % at the time. I did not have that amount of money at one time. Keep in mind they offered me this when I was in default. I worked out a payment plan with them to catch up on my payments and bring me out of default. This was a 1 year plan when the plan expired. I called back again to keep the plan or work out another payment options which they did. I asked if the one time payoff was still available. They said no because I was current and not in default. I said so your saying if I am in default you offer the one time payment discount but if I am current you do not. They said that is correct. I called again today and asked if they would offer a one time payoff discount and they said no because I am current and not in default. I reiterated again. So you will not work with me for a one time pay off because I am current on my loan. They said that is correct. Have a good day bye bye. I understand I owe the amount I borrowed. I just want someone to work with me to offer me the one time payoff discount that was originally offered. By the way is still {$15000.00} more than what I borrowed for a total of approx. {$37000.00}. Which is what the guy offered and agreed to today before he abruptly changed his mind when he saw I was current on my payments.
Equifax reports the following accounts in my name as collection/charge offs. I do not have accounts with these creditors and I 've repeatedly stated that I was not working in this country since XXXX 2003. These accounts are not mine and may be the product of identity theft. It does state that consumer disputes the accounts but this has been labeled for quite some time. 
XXXX XXXX $ XXXX XXXX Bank XXXX XXXX XXXX
I found my house value it is the same as when i first bought it and have put more money in it than I can sell it for. {$25000.00} my house is 117 years old I have been here 27 years paid all my mortgage payments I refinance in 2001 for XXXX still owe XXXX i feel like I am in a losing battle here. is there hope I can get a reasonable resolution I am paying 9.5 % home insurance is way high i am XXXX is there any good advice on this my income is {$29000.00} I just put in new furnace and roof bathroom electric. I am house poor.
My federal student loans were transferred to FedLoanServicing ( FLS ) from XXXX on XX/XX/2016. FLS contacted me on XX/XX/2016 to tell me they had my loan. I set up my account XX/XX/2016, and submitted recalculation paperwork the same day using the " paperless dropbox '' on their website. 
On XX/XX/2016 they informed me they had recalculated my loan and my monthly payment amount would be {$420.00} on a monthly AGI of {$1400.00}. I 'm in the PSLF program, and my payment should be 15 % of my income, less 150 % of the poverty level ( for 2 people ), and I calculate my payment should be {$170.00} per month. 
I called back on XX/XX/2016 and spoke with XXXX who said he saw the discrepancy, and would send my back loan for recalculation. I called back on XXXX and spoke to XXXX who said that they calculated it based on my gross income because they " were not tax experts '' and could not figure out my AGI. 
The deductions on my paycheck are clearly listed, and my AGI is listed as " ADJ EARNINGS ''. XXXX refused to recognize that this was my adjusted gross income, and said they would require a letter from my employer to calculate my payment. She repeatedly said she was " not a tax expert '' and would not transfer me to a manager. 
In the meantime, they expect me to pay {$420.00} on XX/XX/2016, when my payment should be {$170.00}.
I was contacted by Action Financial o make arrangements to pay my student loan balance off and told if I did not make arrangements my paycheck would be garnished. I explained that my finances have been devastated over the past 3 years because my husband became very ill. He lost his very good job and we also lost our home. I filled out the financial form and told them that we were already making over {$500.00} in payments to the IRS. I was told that they could not factor the payments we were making to the IRS in the payment arrangements. I asked for a hearing on the matter. in XX/XX/2018. I received a response in a letter dated XX/XX/18 that was postmarked XX/XX/18 that I received on XX/XX/18. The letter stated that I had 15 days from the date of the letter to make arrangements with Action Financial or my paycheck would be garnished at a rate of 15 %. I called Action Financial on XX/XX/18 to make a payment arrangement. They gave me an arrangement of {$310.00} per month and told me I needed to close the deal within a few days. They also told me that the DOE had already contacted my Employer to garnish my wages and they could not explain or understand why. I contacted the DOE on XX/XX/18 or XX/XX/18 and was told that the garnishment could be suspended and my garnished wages returned once Action Finance confirmed my arrangements. I emailed them current pay stubs and a recurring payment form all by XX/XX/18 within the 15 days. When I kept pressing Action Financial for how they payments were going to be handled since there was the garnishment and now the recurring payment that would be taken from my account and paychecks. I kept getting vague answers from both Action Financial and the DOE about how the suspension of the garnishment would occur and only the payment arrangements would be deducted. I was promised on XX/XX/18 that I would get a return call detailing with certainty how this would occur. I never got a return call and I called several times since them and kept being told that the team assigned to my case are unavailable and would call me back. I am so afraid that they garnishment of {$350.00} from each biweekly paycheck will continue and the recurring payment of {$310.00} per month from the payment agreement will also be taken. I feel like I am being set up to take all these payments and not allowing me the process they promised me in the letter. And the DOE keeps sending me to Action Financial and Action Financial is acting like they don't really understand how this could happen. They will bankrupt me and cause me to lose even more. My husband 's medical expenses cost us a lot each month and now with this I don't know what I can do. These are some of the worst tactics I have ever seen and it is not fair. I am getting sick trying to deal with this situation and my husband 's illness. I don't understand how they could be so heartless.
About 5 -10 years ago a Sears sales person talked me into applying for a Sears Master Card. I received the card but NEVER used it. XXXX 2015 I received a statement owing {$35.00} " XX/XX/2015 XXXX card reload XXXX ". Knowing I NEVER used the card, never been in a XXXX, an do n't even drink coffee, I ignored the statement. 
In XX/XX/XXXX a statement came with penalty making the balance due of {$62.00}. 
On XX/XX/XXXX I replied with a note on the statement refuting the charges and asking Sears and Citi cards to correct their records. 
XX/XX/XXXX letter from Citi Cards threatens to " report information about your account to credit bureaus. '' On XX/XX/XXXX I received from Citi bank a new Sears card and blank checks which I have no intention of using. 
An internet search shows numerous examples of people with similar false charges regarding " XXXX card reload XXXX Wa " on various credit cards. It appears XXXX, Sears, nor Citibank are interested in stopping this scam. 
As a XXXX I do n't need the aggravation of trying to protect my credit rating through no fault of my own.
Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. XXXX  and Experian has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report.
No credit card billing statement received XX/XX/XXXX.-XX/XX/XXXX. First notice of debt was from a collections ( XXXX XXXX ) XX/XX/XXXX. Multiple calls to XXXX XXXX and XXXX XXXX ( XXXX XXXX Credit Card ) telling them that no statements had ever been received ( XX/XX/XXXX to XX/XX/XXXX ). Dispute initiated, initial charges paid ( XX/XX/XXXX ) in good faith by customer to XXXX XX/XX/XXXX despite not having received a billing statement. XXXX XX/XX/XXXX indicates initial statement XX/XX/XXXX sent was undeliverable and returned. Address used by XXXX XX/XX/XXXX is the same exact address used by XXXX XXXX  for their notice of collections on XX/XX/XXXX. Billing statements received after fifth request XX/XX/XXXX, address on statements is the same as the address on the XX/XX/XXXX XXXX XXXX collections notification. 
Multiple Calls to XXXX XXXX  failing to resolve issue. Collections company switched to XXXX XXXX XXXX XX/XX/XXXX, second dispute initiated. XXXX XXXX wants late fees and interest which I find inappropriate due to lack of notification. 

see enclosures ( 6 )
I was sent an offer to start a trial period payment for my home equity line of credit from bank of America on XX/XX/2016. But Bank of America never mailed me the terms of the modification agreement. 
XXXX is my only language. 
I have been making my payments, but
I am a paying customer for Equifax to their Product to actively monitor my credit report. I was recently trying to refinance in mortgage and cleaning my credit to proceed for refinance. 
On XX/XX/2017 I was able to pull up my credit report, My car leasing account just closed and my credit Fico score when from XXXX to XXXX that day. I pulled up my Equifax Credit report on XX/XX/2017 ... this time ... I had no credit report. All of my creditor and balances showed Zero on everything. I complainted to Equifax rep. who change to membership from Premuim membership of {$19.00} monthly to this other product for XXXX per month. I tried to pull up my Equifax credit report ... still the same ... .no Credit Report history ... like i was erased from the system. I called back to Equifax to file a dispute and was told it would take 30 days to fix the problem. They did acknowledged my credit file was uploaded to a bad file ... or was deleted. I told them ... what if I needed to apply for credit? or refinance my mortgage ... I am on hold because they messed up with my credit report file. She apologized and said there was nothing they can do ... .it will take 30 days to fix their mistake. I am so angry with Equifax ... ... I again pulled up to see if anything had taken placed to fix my missing credit report. Still today XX/XX/2017 ... nothing. I have no Credit report on file with Equifax. I am documentating everything in case I contact a lawyer to file a lawsuit. I think this is so unfar ... that a Credit Agency can hold your Credit Report against you ... removing from their database or deleting it. I still do n't know what happened ... and still in Limbo with Equifax.
I have been disputing with Tranunion for a while now and this is my last resort. I have XXXX items on my report from XXXX XXXX and XXXX of them is a duplicate. This is obvious. 
XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX # XXXX NEW INFORMATION Please remove this erroneous information.
TRANSUNION SAVE YOURSELF SOMETIME IF YOUR COMPANY WOULD FOLLOW THE FCRA SECTION 609 FEDERAL LAW YOU SHOULD N'T HAVE TO SEND MY DOCUMENTS TO THE CREDITORS PER THE LAW YOU ( TRANSUNION ) SHOULD ALWAYS HAVE THE CONSUMER ORGINAL CONTRACT ON FILE AT ALL TIMES
I signed up with service with Ameritech services in XXXX, 2017 so they could look into consolidating my loans under the Public Loan Service forgiveness program. I provided tax information, check stubs, income based repayment plan, public loan service documentation and other pertinent paperwork they said they needed to get me a fixed rate for my student loans. Ameritech said they would get all the information set up I would have to pay a fee to start the process and then additional money each month. I paid over {$600.00} for there services and they never processed the paperwork to XXXX   XXXX XXXX. They processed it to another company that indicated they do not handle Public Loan forgiveness and that I would have to get it set up through XXXX XXXX XXXX  on my own. I finally cancelled their service in XXXX, or XXXX 2017 after not receiving any information from loan providers that they received any documents by XXXX   XXXX XXXX. When I spoke with the person with Ameritech at that time they indicated they were not going refund me for there services as they felt they did there job. I spent months and months trying to get things set up racking up interest fees. Ameritech told me that they were going provide this paperwork to that provider and get me a set fee on my loans which was not true. That information was a lie and they scammed me. I eventually had to call XXXX XXXX XXXX and they indicated to me that I could have contacted them on my own and that many of these places like Ameritech scam people into paying money for services when it is something I could set up for myself. Ameritech never provided the services they committed to and at the end I am paying more monthly out of my pocket. I am upset with myself for trusting in this service providing personal information to them and never receiving any recourse or action for what they said they were going to do. I am asking to be reimbursed for all the fees I had to pay as well as the interest rates that were included for all the time I wasted when I could have set this service up on my own.
On XX/XX/XXXX I sent UNIVERSAL ACCEPTANCE CO. a Ceast and Desist letter that was received on XX/XX/XXXX.

On XX/XX/XXXX, I sent a complaint letter to the Bureau of Financial protection because XXXX was still reporting Collection Activity to all three credit bureaus and the letter was received on XX/XX/XXXX via certified mail.

XXXX, have not been in compliance and are in violation of the FCRA and the FDCPA.
I used to hold a credit card with XXXX via XXXX XXXX. At some point I received notification that Citibank had received the relationship with XXXX, and I was sent a credit card in the mail via XXXX. I never activated my account with CitiBank. 

At some point, XXXX placed an annual membership fee on a credit card account that I had never activated. 

As I was unaware of the charge, Citi began charging interest and late fees on this recurring charge. 

I received notification in XXXX of this year that my account would be charged off if I did n't make minimum payments by XXXX. I logged onto the system and paid the minimum payment. At this point, I also attempted to get card member terms and conditions that would show me how a charge could be placed on an account that was never activated. The only way that Citi could share with me the terms and conditions of this credit card is to send me a hard copy in the mail. I have also asked multiple customer service representatives to communicate the date this account was activated, and none have been able to give me this information. One customer service representative told me this would have been automatic when I received the CitiBank card in the mail based on my previous relationship with American Express. Another told me they could not tell me the date my account was activated due to " security reasons. '' To re-state : -I had an automatic charge placed on an account that I never opened. 
-The only charge on this account is this recurring fee. 
-Citbank has been charging me interest and late fees on this charge. 
-No one at Citibank can tell me when I started this account ; in fact I need to call a special number to discuss -No one at Citibank can share the terms and conditions of my account, and these are also not available on my online portal ; I have requested hard copy versions of my card member agreement twice in the past month.