WillisBack/dataset-financial-user-claim huggingface dataset:
I have a relaitvely small XXXX XXXX mortgage on a property in XXXX XXXX XXXX, GA, that is managed by SunTrust Mortgage. SunTrust consistently makes errors in the management and billing associated with the mortgage. Each time they do so it takes a great deal of time and effort to get the problem, no matter how small, addressed and eventually solved. Not surprisingly, the errors always favor SunTrust, not me. 

Early this year because of a shortfall in the previous year 's assessed escrow, SunTrust gave me the option of paying a lump sum to bring the fund in line, or a higher monthly rate going forward to address the deficit. I chose to make a lump sum payment. But they failed to allocate it properly and thus claimed my subsequent monthly payments were short and subject to additional fees. After numerous letters and phone calls they finally acknowledged their error. But meanwhile they tacked on a small fee ostensibly pertaining to an inspection or appraisal they intended to do to the property -- which was never done, or at least they never reported the outcome to me. Neverthelss, they continue to take on a small fee related to it : {$4.00} per monthly lately. Each month I call and demand that they remove it and they do so after eating up a half hour or more of my time. Each time they assure me that the problem will be corrected, but the fee shows up again the next month -- most recently in my statement dated XXXX/XXXX/2016. I am coming to believe that SunTrust willfully makes it needlessly difficult for customers to resolve problems on their loans when those problems benefit the bank.
I paid for a private loan under Genesis for a program I attended in an XXXX XXXX that is now closed down. I am eligible for a federal loan settlement due to the campus, program, and year I attended ; it is one of the many that are being sued for giving false information to students about job placement rates since XXXX XXXX. I paid for a Genesis loan, and asides from having been sued in XXXX for high-interest rates and causing 60 % of students to default while going to school, it turns out that from the start students were lied to about the chances of finding a job. I want a refund from this loan and can not get ahold of my private Genesis lender.
I have an account that is showing in collection status for a former debt owed to XXXX XXXX XXXX, XXXX. which was sold to the law office of XXXX XXXX XXXX and XXXX, XXXX. 

I will attach letter below showing proof that the debt showing in collection now for this same lender bill that is already " settled '' with previous law firm in 2010. There has been no other collections contact for me from this original lender XXXX. 

I dont owe the bill twice and ask that the XXXX showing as collections from another law firm for XXXX be deleted as a duplicate. Apparantly this debt was sold again in error and showing it not paid by another law firm trying to collect this same debt. The current collections company needs to go bac to XXXX XXXX law firm and work there problem out but I wont pay twice. There is no court order for payment so it is showing in collections in error. 

I wont pay it twice and ask that the current collections company be notified and that this debt not owned be deleted by all three credit bureaus for the lender for the account showing under collections who is trying to collect an already paid debt. 

.Other than a date opened ( which may be incorrect ). There is no past due indicated, no past due history, no specific account this XXXX XXXX was pursuing. Vague details and do not follow guidelines of complete information required to report to credit report bureaus under state and federal credit laws as required.
I 've been seeing an apartment for {$16000.00} on my credit report and I never lived at that location. I contacted the collection agency and told them about the inaccuracies and they basically told me they wo n't delete it. I called the original creditor and they are no longer in business.
I sent a letter to Barclays Bank ( USPS Tracking XXXX   XXXX ) that they received on XX/XX/2018. In the letter I asked them to validate a debt according to the Fair Credit Reporting Act ) they are reporting on 2 of my credit bureau reports ( XXXX & XXXX ). However I've not heard from them.
I received a call on XXXX/XXXX/15 to my cell phone from RS Clark, they requested to speak with my wife. I got her onto the call and the representative gave her full date of birth and asked her to agree or disagree if that was her. She provided them permission to speak with me. I asked them to provide validation of the debt owed, they stated it is over a year old. I was told I would have to put any requests in writing and that they would mark the account as a refusal to pay. I informed them that I was not refusing but wanted verification on what was owed. The agent ended the call. I called back in and spoke with a supervisor. I was told they would not request information from the XXXX XXXX XXXX XXXX. I was told this would be reported on my wifes credit. When I asked specifically if they reported for XXXX XXXX XXXX XXXX, she would not say Yes or No. She would only say they are " a credit reporting agency ''. I was placed on a long hold, when she returned, I was informed they would no longer speak with me and they were ending the call. I asked again regarding the credit reporting for XXXX XXXX XXXX XXXX, and again they refused to answer.
XXXX XXXX is listing a debt that is over seven years old and has been removed from my credit report. They are listing it as a new debt as of XX/XX/2018. I have attempted to dispute it via my credit report and they validated falsely stating that it is a current debt. Again - this is a debt they purchased that is over seven years old.
the investigation period has been over 30 days without full verification and validation. i attached the initial investigation request. 
XXXX XXXX Card CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Representative from company continues to call after several requests from myself and spouse to quit calling. I have asked for a letter of proof of debt and who the owner of the debt is and never received it.   They tell us it is a federal student loan when in fact it is a private student loan and they are threatening " federal repercussions ''.   They have called my spouses employer several times and claimed to my wife that I gave permission to do so. I did not give permission nor do I know how to contact her employer.   I have asked to come to a reasonable payment agreement assuming such debt is actually owed and am continually asked to pay full amount as the only option.   I am tired of the oppressive calls which to my knowledge are breaking both federal and Indiana law.
EQUIFAX REMOVED A PAID TAX LIEN FROM MY REPORT IN  XXXX . TODAY,  XX/XX/XXXX , THE RE-INSERTED THIS SAID PAID TAX LIEN BACK ON TO MY REPORT. THIS IS IN FACT ILLEGAL.
Southeast Toyota Finance has been contacting me about a deceased friend 's account and presumed debt. They had a representative hand deliver a letter to the former address of the deceased and I allowed the rep to photo copy his death certificate which was given to me as friend/informant since there are no living relatives. The rep told me that I would no longer be contacted. Two weeks later, I keep getting calls which I do not answer from SETF. I have asked them to stop. As a matter of fact, they never leave an extension number. So I will assume this is fraudulent activity. The deceased was XXXX years old. The deceased friend left no estate and I am not an executor as such. I never signed a lease or a contract with this company.
I had a XXXX XXXX card for over a year. And have had nothing but issues with this company. The first time I went on to make a payment it was fine. Second time, my payment just disappeared. I had a screenshot that said I scheduled the payment and the amount was pulled from my banking account. But nothing showed up on the XXXX account for payment so they charged me a late fee. I called and got it sorted but it took almost 3 hours. Then! The next time I went to make a payment I had done a in store return so it shouldve showed up as a credit on the account. So when the refund posted I went on at the end of the month and scheduled the payment ( the remaining balance ) for the due date. Which was like the XXXX of the following month. So I thought I was done. That amount was pulled from my checking account and I never got a call or email or letter from XXXX saying I had a balance on my account. And I knew it was at XXXX because I paid it. Well 3 months later I get a text saying my account was being sent to collections in 3 days if I didnt call and make a payment. So I called and they told me that I hadnt made the last payment on time so the account was charged a late fee. And because I never paid that late fee they charged another. And so on like that for 3 months. And on top of that there was like 3-4 misc charges for different amounts on my card. When I called to dispute it because I had scheduled that first payment well in advance so there shouldnt have been any late fees. The rude guy on the phone told me that even though I scheduled the payment in advance, since the due date was on a weekend it didnt post until the following Monday and thats how a late fee was accrued. Which is ridiculous. We argued. And the guy on the phone said if I paid {$35.00} late fee he would wave the rest and it wouldnt be sent to collection or be reported to credit bureau and affect my credit score. Well guess what! Few weeks later a get an alert that there was a ding to my credit because of missed or late payments. It affected it by like 40 points. So Im reporting XXXX credit card for charging me wrongly, lying and for the fact its illegal for companies to charge late fees to people if dues dates fall on non business days
traded in a leased vehicle during final months of lease term for an XXXX leased vehicle in XXXX, XXXX. All final lease payments and terms were paid to US Bank per their payoff demands in the transaction. I just received a property tax bill for the entire year of XXXX from US Bank ( on XXXX/XXXX/XXXX, more than 4 months after completing final payoff per US Bank demands ). Called US Bank to dispute, was told that I can do what I want in regards to the bill, they will submit report for non-payment to credit reporting agencies if I choose not to pay. Not willing to remove charge for property they have already received final payment on ( 4 months prior ).
On XX/XX/2017, I went online to obtain my credit score. My credit card company, BarclayCard, provides my credit score for free as part of my cardholder benefits. The online information showed my credit score as XXXX. They also provided a link to a 12-month history of my score, so I clicked on the link. The history showed my score over the last 12 months. What caught my eye was that my score had risen to a high of XXXX, and very soon after had fallen to XXXX. Then it went to XXXX and to the present score of XXXX. 
I wanted an explanation for the drop from XXXX to XXXX. The site said that if I had any questions about my FICO score, I should call XXXX, and it listed a phone number. On the XXXX, I also obtained my free annual credit report from XXXX. There was nothing negative in it, all my accounts showed as continually paid on time. Eight days later on XX/XX/XXXX I called XXXX at XXXX XXXX to see if someone could explain the sharp XXXX point drop in my score. Not only would n't they explain it, they claimed their records showed a current score different from XXXX ( but they would n't tell me what it was ), and they speculated that BarclayCard was using a different scoring model than XXXX does ( they mentioned XXXX ). They were denying that they even supplied the score that BarclayCard was displaying. So I asked to talk to someone who was aware of the apparent business relationship that existed between XXXX and BarclayCard, and they refused. They told me to go back to BarclayCard for any explanation of the score. So I called BarclayCard at XXXX XXXX to ask for an explanation of the XXXX point drop, and to verify who actually calculated the score I was seeing on the BarclayCard site , BarclayCard or XXXX. The BarclayCard Customer Service Rep. claimed they simply posted the information provided to them by XXXX, that BarclayCard DID NOT calculate the score themselves. And making sure to mention that they provided the score for FREE, there was nothing else they could tell me, and I would have to contact XXXX for any explanation of the score. In other words, BOTH organizations were claiming that the score was not calculated by them, it was the other guy, and go talk to the other company if I wanted any further explanation. I would like to know who calculates the score, and I would like an explanation that justifies a XXXX point drop in just one or two months without any negative data to support it.
My loan was transferred from being provided by XXXX XXXX back to Discover onXX/XX/XXXX. 

My recurring auto-payment amount was changed without notification. 

I was unable to alter this on the Discover website ( as I had been with XXXX XXXX ). After calling to alter the amount ( which was a slow, unclear and laborious process ) I managed to change it back onXX/XX/XXXX. 

I checked back to discover website on XX/XX/XXXX to find that my auto-payment amount had been changed again without notification. 

I am really frustrated by how difficult and unhelpful Discover have been to deal with.
I have sent XXXX and Trans Union numerous requests to investigate, verify and remove an account from my credit report/file that does not belong to me and they are not responding.
Experian was notified about possible identity theft and collection that doesnt belong to me, about a year ago. Police report was filed along with identity theft report. Collection was removed, but came back again a year later. 
Customer service is not available to fix the problem, website is constantly down, phone numbers are providing same recording that doesnt have proper prompts to address the issues. No sources available to fix the access to my credit report, to file the dispute, or access the company representative.
After reading an article that CFPB is suing Navient for giving inaccurate information, I decided I needed to file a complaint. Navient calculated my monthly payments incorrectly under my income-based plan. When I called to question them about it, they actually, RAISED my payment making it more difficult for me to pay. Instead of dealing with the issue of calculating the payment incorrectly, the customer service agent pushed me toward forbearance for a year, increasing the amount of interest on my student loans.
I deposited {$8700.00} into my Ally Bank account last Thursday. I still havent received my funds and my online access has been locked. I need the money and they are not answering the phone nor are they returning my money.
Actually all of the above selections cover the actions of the emails that I have received from a company called ACS inc. I requested l of the documents pertaining to the loan that they say I owed. I also requested the address of their company or the address of the Parent company. I have warned them that by law, it is within my rights to request these documents. They have refused. They have threatened to have me arrested. I explained to them that threats would not go far with me. I have agreed to pay a certain amount each week if the documentation has my signature electronic of written and I can verify that it is a debt that is mine. I have given them no personal information, bank info or credit card info.
I disputed my credit report with experian. I realized that I was a victim of identity theft and disputed accounts listed that were not authorized by me to them. Experian has refused to remove a fraudulent account that was listed on my report after sending verifying information showing that the account did not belong to me. I tried again disputing this fraudulent account and they have told me that I am no longer authorized to dispute this account because it was verified by the company. I contacted XXXX XXXX on XX/XX/2017 and spoke with a supervisor named XXXX and he conducted a search and nothing came up using my social or name. I was asked to fax over information ( social, utility bill and DL ) the company used this information to update this fraudulent account.
USAA opened an account using variations of my information. The debt has since been paid but USAA refuses to update the records with  XXXX   XXXX   XXXX ,  XXXX , and  XXXX  that the debt has been paid.
TDAF IS REPORTING A NEGATIVE ACCOUNT ON ALL OF MY CREDIT REPORTS THAT IS OVER 10 YEARS OLD. IN THE STATE OF TEXAS THE STATUE OF LIMITATIONS IS 4 YEARS ON COLLECTING OLD DEBT. TDAF NEEDS TO REMOVE NEGATIVE ACCOUNT ENTRY ON ALL XXXX MAJOR CREDIT BUREAUS.
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 report so I can move on with my life. 

XXXX Acct XXXX ( XXXX, Equifax, XXXX ), XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( Equifax ), XXXX Acct XXXX ( XXXX , Equifax , XXXX  ), XXXX XXXX Acct XXXX ( XXXX  , Equifax , XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX , Equifax ), XXXX XXXX Acct XXXX ( XXXX , Equifax ), XXXX XXXX Acct XXXX ( XXXX ), XXXX Acct XXXX ( XXXX , Equifax , XXXX  ), XXXX XXXX Acct XXXX ( XXXX , Equifax , XXXX ),  XXXX XXXX XXXX Acct XXXX ( Equifax , XXXX ), XXXX Acct XXXX ( XXXX , Equifax , XXXX ), XXXX, XXXX Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX , Equifax , XXXX ), XXXX XXXX Acct XXXX ( XXXX , Equifax , XXXX ).
My credit report shows that an account from Cashnet was opened in XXXX 2017 on a one month term for {$540.00}, but the money was never deposited in my account and I was never notified of a loan approval. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX is the collection agency. The address identification number is XXXX
USPS XXXX XX/XX/18 {$110.00} XXXX XXXX # XXXX XX/XX/18 {$13.00} XXXX # XXXX XX/XX/18 {$19.00} XXXX  online purchase XX/XX/18 {$9.00} XXXX  # XXXX XX/XX/18 {$15.00} XXXX  online purchase XX/XX/18 {$71.00} I wasnt even in the state of the purchases at the time and have shown proof that I was working in another state across the country. I have been dealing with this for four months and they are not being cooperative saying that I could have made the charges even though I have sent them my time cards from work in Minnesota showing I was working on the days of the charges in Georgia.
I have had credit since I was XXXX XXXX XXXX which is over 26 years, and have had accounts in good standing. Transunion is reporting that my credit history is only 8 years. I have called to complain and was told that good standing accounts only remain 10 years. Even if this is correct my credit history should show as 10 years. They told me if I wanted anything older to appear I had to contact the creditor directly and tell them to continue to report it. This is absolutely ridiculous to me. The fact that so many things depend on my score and they do not follow the rules makes me extremely angry. I have disputed things in the past as well and they told me the company verified the information and when I told them it was incorrect they told me to contact the creditor. I do not know how that is even possible when I never had an account with the creditor they listed and they do not supply the contact information. I have actually tried in the past though and the creditor was not able to look me up by Social or account # because I did not have an account # and Transunion would not supply me with one. My point being they negatively affect peoples credit and do not resolve issues as required. I am not supposed to have to prove something, they are supposed to report correctly and prove things should be on my report. They are also supposed to report accurately, if they are going to include length of credit they can't take away the things that show how many years you have had credit especially if it is such a big part of their scoring process.
XX/XX/2018 I sent this letter to XXXX XXXX Dear : XXXX XXXX XXXX As I was reviewing my credit report I became aware of a collections account reporting by your company. What I find strange is your attempt to collect on a debt thats non-existence. Why would I pay for something I do not owe? Again, I dont owe you any money? 
With that being said, please see this letter as me disputing this alleged debt with your company as well as requesting debt validation. 
Thirty days, is more than enough time for you to send me legal supporting documents bearing that this account belongs to me, hence owing you any money. 

Regards, XXXX XX/XX/18 Report # XXXX Dispute Results : * XXXX XXXX XXXX XXXX-Verified as accurate *XXXX XXXX XXXX XXXX XXXX Verified as accurate XXXX XX/XX/18 Report # XXXX Dispute Results : XXXX XXXX XXXX XXXX Deleted *XXXX XXXX XXXX XXXX XXXXUpdated If XXXX XXXX sold this account to XXXX XXXX XXXX why were they both reporting as open? Once I sent the debt validation letter to XXXX XXXX XXXX it was finally removed. Attached below is the letter that I sent the credit bureaus. 

Dear Credit Bureau I am writing to dispute this account that is reporting inaccurately. I contacted XXXX XXXX XXXX at the telephone number XXXX on XX/XX/2018 at XXXX pm and was advised to contact another number XXXX. What I find strange is XXXX XXXX XXXX sold this account to XXXX XXXX XXXX., but XXXX XXXX XXXX has removed this from my credit file as of XX/XX/18 after my dispute with them. Both XXXX XXXX XXXX and XXXX XXXX XXXX, with the same partial account number XXXX were both reporting on this same debt. IMPOSSIBLE!! This is not a valid debt so how are you reporting it if its non-existence? I demand that you provide me with legal proof. Why would I pay for something I do not owe? Again, I dont owe XXXX XXXX XXXX any money? I demand this information be deleted from my report. Send me an updated copy of my report once this has been deleted. 
Thirty days, is more than enough time for you/XXXX XXXX XXXX to send me legal supporting documents bearing that this account belongs to me, hence owing XXXX XXXX XXXX any money. Im demanding that this is removed from my credit report immediately if XXXX XXXX XXXX cant provide proper information/documentation that I owe their company. Continuing to report this inaccurate, unverifiable information on my report is illegal and I will file a complaint with CFPB, FTC, XXXX and whoever else I need to get this resolved. 

Regards, THE IS UNFAIR TO MYSELF AS A CONSUMER AND I WOULD LIKE FOR BOTH ITEMS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
they called XXXX times in 1 day, each time I answered I was put on hold and the machine hung me up. The XXXX time I made payment arrangement to mail/pay {$20.00} per month and she said that would be fine. The next day they called again and said they had not record of this arrangement. I was so angry that this is going to continue with these harassing phone calls daily. I intend to pay this bill and I do not want daily calls.
I have been disputing a bankruptcy with listed on my account XX/XX/XXXX with LexisNexis, XXXX, XXXX, and XXXX. I have also disputed an address listed on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX last date reported XX/XX/XXXX. I've sent in current copies of my driver licences and a Letter from the US Bankruptcy Court stating they don't verify those files. The companies keep coming back they verified the information and my files are frozen and be frozen since XXXX.