WillisBack/dataset-financial-user-claim huggingface dataset:
I have requested that Experian provide physical proof for them reporting my XXXX ACCOUNT as late as noted below. I have contacted them several times and they refuse to provide proof. They simply say they contacted the account holder and they verified the account. Funny thing is that I reached out to XXXX and they could not show where I had been late at anytime. That the loans have been in deferment status. So Experian is up to their old habits of falsely reporting information that can not be documented or verified under section 609 of the FCRA. I am asking that they either send me physical proof that I was late, or update the account as paid as agreed and take it out of a negative status. I am asking that their statement be removed or updated to show that I do not disagree but the statement needs to say this " Customer asked for verification, we can not provide the verification that is requested so we will list this as negative anyway to simply hurt the client '' I think that statement is fair and accurate. 
Account History : 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Your Statement : Completed investigation of FCRA dispute - consumer disagrees.
Monterey collections agency attempted to collect {$2400.00} from me, stating I owed XXXX this debt, dating back to 2011. I emailed them requesting proof and the contract came with the information of the person, with only our names being similar ; first name was n't spelled the same, DOB was 7 yrs apart. I called Monterey collections and the agent stated the problem will be corrected, but it might take 6 weeks. I had a similar incident with them about 3 years ago.
Navient stopped my auto debit for my private student loans without notifying me which made my loans go past due and they demanded the payment in full. I tried numerous times to work out a payment with them. Navient called my mother XXXX XXXX on XXXX XXXX and told her about the debt I owed, how much the debt was and asked her to help pay. My mother has no association with my loan. Navient then called my husband who is also not tied to my loan and gave him a settlement offer amount and sent him an email with a settlement to his personal email asking him to ask his father for the money to pay the private student loan. I have the emails sent from the Navient collector to my husband with all my information. Navient called my husband again and told him the settlement offer was password protected and gave him the password of XXXX to open the secure message. Navient did not have my permission to contact anyone other than me and share my personal debt information. I live in the state of Texas. Navient told me they will garnish my wages for my private loans, freeze my bank accounts, and place liens on my property, which I do n't own. The person I am speaking to at Navient calls herself XXXX XXXX and her number is XXXX and her supervisor that sent my husband the " secure '' email is XXXX XXXX with an email address of XXXXXXXXXXXX. Navient also called my mother and father inlaw giving them information about my debt. Navient leaves personal information on my voice mail detailing private information. They also left this information on my inlaws voice mail. Their collection practices are illegal and threatening. They have told me that I only have two days to pay or they will sue me. My account went for almost two full years in good standing with auto drafts, to default with hardly any notice.
Years ago I attended XXXX XXXX University for XXXX XXXX for less than XXXX semesters. Since then I realized the school lied about job placement and ultimately decided to attend XXXX college instead after racking up an overwhelming amount of student loan debt. In between that time I put my loan on foreberance. I recently became unemployed and have not attended college in over a year. I 've spoken with Navient and informed them of my situation and that I can not make payments. Their continuous harrasment has become impossible to deal with ; they call my cell phone night and day ( sometimes past XXXX ), they have contacted my old place of employment, they call my mom ( the co-signer ) all through out the day including late at night ( XXXX ). Every time I try to workout a payment plan they expect me to make payments I can not afford ( over {$200.00} ). I can not afford those payments so my only option is to default and continue gaining insane interest! The school that I acquired this debt for- XXXX , in my opinion, took advantage of my situation. I was he dropout child of an XXXX, my family never attended college, and they did not have much knowledge of loans and debt tied to private student loans. We were told that " fashion merchandising '' was a great career choice in XXXX Florida, there would be job placement, and that the graduating rate was 100 %. My mother reluctantly agreed since she thought this was a real University and that I would have a chance at a career. After less than XXXX semesters I spoke with XXXX in the program who said hat graduates they knew never got job placement and were so in to debt they had to drop out. I made the decision to leave XXXX by in still paying for it. I want help on lowering my loan to something affordable and realistic and I would also like to know my options regarding the legal issues and circumstances regarding instances like mine.
Received an unblocked phone call and as left on my voicemail in regards to my son - they stated he had a warrant out for his XXXX. they need to process serve him in regards to a court summons in XXXX county and left a phone # XXXX XXXX XXXX with a case # XXXX - I called back, told them I was his mother and they left a voicemail for my son. I asked who they worked for and what was this about. and they refused to tellme who they work for. all I got out of them they were working a FRAUD case that there was a credit card taken out in my son 's name. I told him I will have him file apolice report because he barely turned XXXX they hung up on me. I called them back, he then accused me of opening a credit card in my son 's name, I asked for the original information and he refused. then he insulted meand called me names. I told him not to call my number again. - I asked for his manager another man came on phone and he refused his name or who he worked for.
Yesterday, I found that the Transition system glitch affected my inquiries on my credit report. I was notified with the 5-day legal notice. I then contacted Transunion and they would not honor my request.
I made my first loan payment t o Cash Call on th is loan on   X/XX/17   . It was due     X/X/17  .  Cash Call applied principle and interest exactly as if the payment had been made on   XX/XX/XXXX  . When I protested, they have told me that all payments are credited on your due date regardless of the date you make them.     This is definitely a simple interest loan. The exact quote from the paperwork on this loan regarding interest figuring is : " Interest is calculated on a  XXXX  simple interest basis. This means that interest is calculated by dividing the ann ual Interest Rate by 360, multip lying that number by the outstanding principal balance, and multiplying that number by the number of days the principal balance is outstanding, assuming that each full month is comprised of 30 days. '' However, Cash Call in effect is holding the payment and thus changing the " number of days the principal balance is outstanding. '' They thus refuse to give me credit for the payment toward principle for several days while waiting for the due date. This, of course, changes the date on which the principle decreased due to the payment and gains  Cash  Call increased interest for those days in which they pretend the principle was still full balance, while in fact they already had the payment and principle should have already decreased.     This is not how any simple interest loan I have ever had does it. Cash Call themselves in my prior loan with them always applied payments on the date made, deducting first interest due through that date and applying the rest to principle. They did not on the prior loan hold payments until your next due date to gain themselves extra interest in the meantime. However, they are now.     I have attempted to resolve this with Cash Call extensively. However, they simply keep saying that all payments are handled as if received on your due date. Due to the massive potential benefit to them in holding payments and delaying drop in balance, I am now starting to question their honesty in this tactic and think it is a deliberate attempt to pad their own coffers at the expense of customers. It is not right for Cash Call to have my payment, yet not apply it for several more days just so they can earn the higher interest for days in the interim by delaying any payment to principle.
It was n't until my husband took over the bills recently that he noticed I have been charged a  Card Security fee  ranging from $  XXXX  for the past  two years on my Amazon Credit account. I never signed up for this service. I h ave no idea what it is. I never agreed to this service, etc.   I have been trying to run a   XXXX   XXXX  , give people jobs, while supporting my mom who has been on  XXXX  for over 20 years, borrowing tens of thousands of dollars to try to keep my business afloat only to have some insidious fee/company draining me of much needed money every month. I do n't have time to read over every single bill I get in order to look for hidden fees. I look to see what I owe and I make a payment. I have tried calling the  XXXX  # listed on my Amazon bills but I have not been able to get a hold of anyone. The website mentioned on the automated message is not active.   I found a discussion about this online, and I am not the only  one  in this position. If you scroll down just a little, the complaints begin -   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I have been a card holder of the Chase Sapphire Reserve Card for 13 months, as part of the benefits and terms of being a card holder I am " entitled to either : one ( 1 ) {$100.00} statement credit per account, OR one ( 1 ) {$85.00} statement credit per account, every 4 years in connection with the Global Entry or TSA Pre program application fee respectively. '' I am a XXXX card holder, which is a program provided by the United States and XXXX that allows pre-screened travelers expedited processing when entering the United States and XXXX. Program members use dedicated processing lanes at designated northern border ports of entry. XXXX cards holders also gain TSA Pre Check and Global Entry program usage as part of the XXXX program. 

XXXX  card holders must pay a {$50.00} application fee every five years. Chase is refusing to provide me with a {$50.00} statement credit for my XXXX application fee despite the fact that the XXXX   application represents an application to the Global Entry and TSA PreCheck programs. 

https : //www.cbp.govXXXX XXXX https : //www.cbp.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : //www.chase.com/card-benefits/sapphirereserve/travel I have included my correspondence with Chase below. 



Hello XXXX, We understand that your concern regarding the XXXX application fee charged on your account is of great importance to you and that you wish a particular outcome. 

As mentioned in the previous email and as per the terms of your account, you are entitled to either : one ( 1 ) {$100.00} statement credit per account, OR one ( 1 ) {$85.00} statement credit per account, every 4 years in connection with the Global Entry or TSA Pre program application fee respectively. 

XXXX, we regret that you are not satisfied with our decision on this matter. We would like to assure you that your inquiry has been reviewed extensively, and our position is based upon compliance with applicable terms of our card member agreement. 

We appreciate the opportunity to help you and thank you for choosing Chase. Please contact us anytime if you need assistance. 

Thank you, XXXX Chase Email Servicing XXXX AOC : XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- CIGPROFILEID :XXXX Thank you for your reply. The XXXX   application just hit my credit card ending in XXXX and is categorized as USCUSTOMS TRUSTEDTRAVELER for a {$50.00} charge on my statement. 

As detailed on the following U.S. Government website the XXXX program clearly includes all benefits of the Global Entry AND the TSA Pre Check program for members, but is primarily used for travelers who live close to a US/XXXX XXXX border. ( It's also cheaper! ) https : //www.cbp.govXXXX XXXX https : //www.cbp.gov/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Given that I am enrolled in the Global Entry program as part of the XXXX application, I see no reason why Chase should not provide me with a {$50.00} statement credit for this application fee in accordance with the Chase Sapphire Reserve benefits agreement. If you do not feel this is the case may I ask that you please escalate this inquiry to your superiors. 

Thank you, XXXX
My bank M & t has allowed a unauthorized transaction to come threw my account knowing that we have never signed the paperwork with XXXX XXXX to run the card. Now we no why of get to are money because we donot do personal checks because someone has stolen my social security number. This has happened more then once. We can not just go get money we can only do it when they have banking hours. This is XXXX and do not know how the banks get away with it. This is called fraud.
Have account with XXXX XXXX XXXX XXXX - XXXX. Original bill was {$1200.00}. Insurance paid {$900.00} leaving an approx XXXX balance. I have made regular payments on this account and have a balance of {$100.00}. They turned this over to collection agency. They encourage you to go through the website and pay on XXXX which I do every other week. When you pay it does not give you the option of which billing, which invoice it just takes the payment. They state that all of my payments have been going to this account with they turned over to the collection agency. They are doing the same thing to me on the hospital billing it shows I owe {$1600.00} which I have been making regular every other week payments. The portion that they applied my payment to they have turned over to collection agency for {$1100.00}. My balance on my account with them still shows {$1600.00} which includes this {$1100.00}. So they are telling me I have to keep making payment to them on the {$1600.00} and call and make arrangements for payments to the collection agency for the {$1100.00} as well. None of this makes since nor is it fair. I have made payments they have applied them where they want them to go and they turn them over to collection with no notice. What can I do??
I have not received a statement from this company in months, despite my attempts to contact them via mail and phone. The last statement I received was XX/XX/2016. I have no idea what the balance is on this debt, nor do I know how my payments are being applied. Their statements are confusing and I do not believe they are applying my Payments correctly. I pay this loan electronically through Billpay in my mobile banking website. I pay {$40.00} every month, which is more than the minimum payment. I have never been late with any payment. I have written a letter to this company with no response. I have tried contacting their customer service number but it always goes to a voice mail and no one returns my call. I feel this company is unethical in that they do n't provide any statements to me and I have no idea what the balance is. They do not respond to any communications. And yet this debt appears on my credit report. How will I ever know that it is paid off? And it will appear on my credit report as unpaid.
OnXX/XX/XXXXI made a purchase of {$120.00} using my Kohl 's card. Kohl 's sent me multiple emails offering to match my payment of up to {$50.00} if I made a payment. On the XXXX due date ;XX/XX/XXXX, the balance on my account was {$190.00}. On this day I called and spoke to a representative who informed me that I would be receiving the {$50.00} credit and asked how much of the remaining {$140.00} I wished to pay. I paid the entire {$140.00}. On my next statement with a closing date of XX/XX/XXXX I was charged an interest charge of {$3.00} and given a minimum payment of {$3.00} due onXX/XX/XXXX. OnXX/XX/XXXX I made a purchase of {$130.00}. OnXX/XX/XXXX I called Kohl 's and was given a minimum payment due by the automated system of {$3.00}. I then followed the automated system through to learn the credit of {$50.00} I was previously told onXX/XX/XXXX would be reflected to my account onXX/XX/XXXX was not issued untilXX/XX/XXXX. I spoke to representative XXXX and then manager XXXX who informed my that my minimum payment was {$4.00} and despite that fact that I was disputing the charge that if I did not pay it my account would be charged a late fee. I was told that the {$4.00} minimum due was not due to the interest charge, eventually I was told it would be credited to my account but not for 24hrs and so the {$4.00} payment was to be deducted from the {$130.00}, and it was still due or I would incure additional fees. I was told numerous " truths '' / statements that were later reversed on the call. After 49 minutes on the phone a case was finally filled that would reverse any future late charges caused by this incident. I decided to immediately after the call make an online payment of the {$130.00} that I made onXX/XX/XXXX to avoid further complications.
On XX/XX/2018, I attempted to dispute an account from XXXX XXXX   ( # XXXX ), this account was added to my personal credit file through theft as I was a victim of Identity theft in a security breach with XXXX XXXX XXXX. The disputes were all sent via certified mail, yet I have received no response from any of the Reporting Agencies as to the removal of this fraudulent account.
I have been contacted by this number on several occasions regarding an XXXX XXXX XXXX bill that I owe. While I know the debt is legitimate and have all intentions of paying it off as soon as I can, I do n't think the caller should have the right to talk to someone so rude and disrespectful like they have been to me. When they call they ask for me by name and want to verify my address, I will ask them for their company name and they will not disclose it. The next time they called they did but did not state who they were or anything. When I asked who I was talking to and what company they were with, the lady got extremely rude with me and very argumentative. The person I talked with was XXXX XXXX. They talk very vague and almost come across as a scam. I will NOT be paying my debt thru them but I will pay it thru XXXX XXXX XXXX which is the original party to whom I am responsible for paying. Their debt collectors [ the rude company ] need to learn to show respect to their callers versus being rude and ugly to them.
XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, equifax & XXXX ) and now i see that they are back. Please delete 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 removed from all three 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!
I have an issue with United Recovery Solutions , Inc XXXX XXXX XXXX, XXXX XXXX XXXX, KY XXXX. I was called & threanted, i was told i am ignorant for not paying my bills, i was told i 'm a boy and i 'm XXXX years old. I would like for this company to have no more contact with me. They threatned to call me and my wife 's jobs. I asked them not to call me and they are still leaving me VMs.
I have never had a mortgage with Bayview Financial. 
I have disputed this item numerous times. They said they my mortgage, however, I have n't ever had a mortgage with this company. I 've asked for documents bearing my signature. 
However, nothing has been provided to me. Please help.
PayPal closed my accounts and refused to reverse XXXX unauthorized transactions. My mom used my XXXX account to pay for her bill with XXXX but forgot to add her own debit card. This resulted in XXXX unauthorized transactions in the total of $ XXXX. I talked to XXXX and they 're ok to have my bank pull the funds back or they can issue me the check but it wo n't cover service fees from XXXX and suggested that I talk to my bank. I did and they said according to the user agreement that I signed when I opened the accounts. I agreed that I will not share any information with anyone. And their definition of 'Unauthorized Transaction ' states clearly that transaction that the user did n't get the benefit from will be count as an unauthorized transaction. I filed a complaint with XXXX but they could n't do anything. 

Other info : XXXX Acc # XXXX [ obtained from XXXX ] Transaction # [ obtained from XXXX ] 1. XXXX XXXX/XXXX/2016 {$1200.00} 2. XXXX XXXX/XXXX/2016 {$1500.00}
I opened a Synchrony Bank/CareCredit account on XXXX XXXX, XXXX. The beginning balance on the account was {$5300.00}. I paid 11 payments on this account totaling {$2100.00}. Synchrony Bank/ Care Credit is not crediting my payments on my account correctly. My balance should be {$3100.00}. They have my balance at {$4500.00}, which is incorrect and not true. Synchrony Bank/CareCredit added this incorrect balance and negative items to my credit report on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I 'm disputing this and I want this removed from my credit report. I have been charged a {$35.00} fee, even if I was XXXX day, which I have paid. The minimum payment on this account was {$140.00} and was due on the XXXX of each month. My payments were on XXXX/XXXX/XXXX ( for {$200.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$170.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$330.00} XXXX, XXXX/XXXX/XXXX ( for {$180.00} ), and XXXX/XXXX/XXXX ( for {$370.00} ). Total payments made is XXXX. Synchrony Bank/Care Credit has been overcharging me and levying hidden charges through deceptive business practices. This is unacceptable and I 'm filing this complaint to report consumer fraud and deceptive business practices. I have proof of all my payments made on this account. My account number for this account is XXXX XXXX XXXX XXXX and it was opened on XX/XX/XXXX. Thank you for your time and any help would be greatly appreciated.
An account was created in my name at SunTrust Bank. I've never banked there, have no desire to bank there. Each month {$10.00} in fees are assessed to this empty account. I have called and emailed and tweeted SunTrust but they refuse to or are unable to close the account.
we have more than 15 year with this bank and the last week they sent me a letter where say that they going to close my 2 checking accounts.
OCWEN LOAN SERVICING, has illegally reported a pending ligation on my XXXX credit report. This loan is currently in the California courts for illegal and fraudulently tactics concerning the recent modification on my account. below is my XXXX report showing recent activity. 
OCWEN LOAN SERVICINGXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXAddress identification numberXXXXAccount numberXXXX .... 
Recent balance {$330000.00} as of XX/XX/XXXXStatusOpen. {$40000.00} past due as of XX/XX/XXXX. 
Date openedXXXX/XXXXDetailsYou requested that we add the following statement to your credit reportStatementLitigation Pending.