WillisBack/dataset-financial-user-claim huggingface dataset:
I had fallen behind on payments with a XXXX XXXX account. I paid AllTran debt collector XXXX on XXXX/XXXX/XXXX which brought the account up to date. I was able to continue making payments on XXXX XXXX website and have done so every month since XXXX. I have been contacted in an attempt to collect the debt every month. I have told them I am not behind on the payments and am making payments as agreed with XXXX. They agree each month that they should not be calling. Last month I informed them I was beginning to consider the phone calls harassment as there was nothing for them to collect on. They agreed. I asked that I not be contacted again. Today ( XXXX/XXXX/XXXX ) I received a voice mail from XXXX at All Tran ) again regarding this account which is showing current and no payment due until mid XXXX.
When I first purchased my car back in XXXX of XXXX, the car a XXXX XXXX XXXX XXXX costed {$14000.00}. I put down {$4000.00} in a down payment on my car which would have brought the total cash payment down too {$10000.00} and my payments were discussed with me prior to signing off on any agreement. My notes were suppose to be {$290.00} every month on the XXXX of each month. In XXXX of XXXX I became current with my payments after I signed off on a agreement to extend my lease which never happened but the company has all of the information on their end to when I made an agreement about that. When I called them this past week on Tuesday XXXX XXXX, I was told my car was in the reposession status and that I owed a total of {$21000.00} on my car and that I signed off on a 21 % interest rate with the dealership WHICH IS COMPLETELY FALSE! I had no idea up until this week about the other receipt that the dealership kept that they did not give to me. I only have a copy of the one they have sent to me via email.
I have my mortgage with Chase. In the many years I have had my mortgage with Chase I have never paid my mortgage late until last XXXX 2015. Because of family medical issues I paid my mortgage 2 days after the grace period ended. 
I requested a " good will adjustment '' from Chase the week before last and received a letter today indicating " We ca n't update our credit reporting ... to the XXXX major r credit reporting agencies ... We 've confirmed that we 're reporting information about your account correctly. '' This particular late reporting to the credit bureaus is making it very difficult, if not impossible to get a mortgage for a different house. 
I have back up documentation to illustrate these statements. 
I am requesting your help in getting this rectified so that we can qualify for a mortgage for a different house.
This company is refusing to work with my other than over the phone. I have asked for emails or mail to be sent to my home for payment options. They are telling me that I have to call in. I am busy all day and attend meetings. I do not have time to call. It 's ridiculous that they would n't give me options. This is unfair as I am trying to resolve my account. Please help me.
My mortgage was sold from XXXX XXXX to Shellpoint Mortgage. My account with XXXX is under direct debt and the payment comes out of my account for the last XXXX years with no issues. After the transfer to Shellpoint my account was not being debted for the payment. 
I was never told until XXXX months later when I got a call about being XXXX months behind. I paid the back months right there over the phone to make my account current. I did not know at the time that Shell point would report my account as delinquent for XXXX months. I went to purchase a commercial property when the loan offer told me I had credit issues that would prevent me from buying my business property for up to XXXX years. I never got a letter or a call from anyone telling me that I would have to do something about the debt because my account was sold. I never asked for my account to be sold. I was perfect and happy with XXXX. Now because my account was sold, my business will suffer for XXXX years. This is not my fault. I simple call telling me I had to do something with the direct debt would have prevented the issues. I called Shellpoint and they told me there is nothing they can do to fix my credit. They had no other explanation. This is just wrong. This big banks make money off taking my loan and then turn around and hurt me and think nothing about. How is it my fault. I called Shellpoint and asked them to remove the lates from my credit. I was told that they agree with me and are very sorry but they can not remove anything from the credit. They told me to write a letter. I wrote the letter and sent it on XXXXXXXX/16 explaining my issues As of XXXX I still have not had a single call or letter from shellpoint.
My husband and I have requested a new relationship manager more than once because the one we are assigned to does not return our calls within 24-48 hours. She does not put correct updates or information that we give her in the computer system. She does not answer calls when transfered to her ext. We have spoken to others in her department more often than speaking with her. 

The other issue we have is trying to be changed from the short sale review over to the home saving options review even after submitting all paperwork. It has been 30 days from the day we made that request and sent in all paperwork that was asked for. The mortgage company have been telling us that there are no updates at this time.
I am currently in a loan where I owe XXXX I can not pay for it because I have just lost my job, I will be going to college and after that the loan will be too much for me to even pay for. The bank that I have is with XXXX and this is in Idaho. I called them and talked to XXXX different people about the problem that I have and they had no solutions I wanted to foreclose the loan and they were not able to process it I am currently filing for bankruptcy and will be stopping any further payments to this speedy cash loan place, I WARN ANYONE WHO DECIDES TO GRT A LOAN DO NOT AND I REPEAT DO NOT GET XXXX HERE because this is absolute XXXX.
Synchrony Financial closed my PayPal MasterCard Rewards card without 45 days notice. They said that it was closed due to a returned check more than a month ago, but that was due to a typo when entering new bank account info. I have since made payments and was even approved for a credit line increase by the company. Called and spoke with customer service who said there was nothing they could do. This company is destroying my credit.
I was paying XXXX XXXX {$200.00} a month, had it down tob {$19000.00} then they said that was n't good enough and wanted {$350.00} a month. I told them, i could n't afford that. They were very rude every time I tried I work something out. Recently I found out they had written off the loan and have sold it to XXXX different collection agency who are now charging me over {$33000.00}. I 'm literally afraid that they will ganish my wages. Of the do I 'll lose my house, car and my job.
I had gone to this store before for tires just paid it off been a citi customer longer. Went to see why my brakes were grinding on XX/XX/XXXX was told one rotor got stuck but BOTH had to be replaced both sides. that is not necessarily true i found out after i signed the receipt. Signing the receipt may be legally important but it says i received goods not that i cant dispute the pricing or the accuracy of what i was told when i was there. anyway i was charged XXXX it should have cost about XXXX my research reveals AFTER i was there. Further both sides did not have to be replaced. I feel very uncomfortable now i wont return there and i feel the parts were marked up way too much. i want XXXX dollars back or thereabouts.i have rights. I asked over and over if this was the only way to go. at that price etc both sides and i could not find out just how much they overcharged me on parts til after i left. I did write them a letter with no response the store. -XXXX XXXX I am unable to use my card now until there is just resolution
I received a letter from XXXX XXXX, ( Furnisher ), stating that they do not service an account that is listed as a trade line on my consumer report. I have submitted a dispute with Equifax and they refuse to delete. According the FCRA, ( FCRA 623 ( b ) ( 1 ), this item must be deleted from my file.
They close my account. So i thought my account was close. But i still had balance. Which i have not received bill information on my account. So they put me later on my credit report. My account is current. Try call have them take it of my credit report. But they gave me the run around. Comenity Bank/XXXX
Equifax has removed delinquent items from my credit report, yet my score never changed. My report now matches the other XXXX agencies where my score is XXXX is near XXXX. I need them to explain why my score with Equifax is XXXX, nearly XXXX points less than the other XXXX agencies ( See Attachment ). How is it I 'm almost XXXX points different between XXXX agencies? 

Equifax never mentioned in writing why TAX liens that were RELEASED, not paid as the State of CA. Filed them in error were not removed. As per the law they should be removed since Equifax did n't return an answer within 30 days. The TAX lien has been removed by the other XXXX credit reporting agencies.
I have a series of 4 paid student collection accounts that have been on my Experian credit report for almost 9 years. The accounts have been appropriately removed from the XXXX and XXXX credit reports after the 7year time limit. Both XXXX and XXXX stated that XXXX XXXX XXXX reported that the debts could be removed as they were more than 7 years old. Experian instead changed the date of first delinquency date from XX/XX/XXXX to XX/XX/XXXX or XX/XX/XXXX so they could still report these accounts. I have copies of my XX/XX/XXXXand XX/XX/XXXX Experian credit report where Experian was correctly reporting the date of first delinquency for the accounts as XX/XX/XXXX and noted that the accounts would be removed in XX/XX/XXXX. When the time can to delete the accounts from credit report, Experian changed the dates so that they could keep reporting outdated collection accounts. I tried to dispute the accounts as being too old to remain on the account but Experian stated that the accounts could not be disputed. The XXXX XXXX XXXX ( the original owners of the collections ) stated that I needed to dispute this with Experian because they had reported the correct information and there was nothing they could do. This has made my only recourse to remove these collections filing a compliant with the CFPB. The accounts in question are as follows XXXX XXXX XXXX/Student LOANS - XXXX - {$4100.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$1000.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$1300.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$120.00} ( Original Amount ) Note that in the XX/XX/XXXX and XX/XX/XXXX Experian Credit Report ( attached ) shows these accounts as being collectionsXX/XX/XXXX to XX/XX/XXXX. However, in the XX/XX/XXXX Experian Credit Report the accounts have been changed to appear as been collections on in XX/XX/XXXX. This changed initiated by Experian altered the date of first delinquency so the accounts are still being reported
Saw debt on my credit report, reached out to the company and requested : the following substantiation in my letters, : the name and address of the original creditor ; the date on which the alleged debt was incurred ; an itemization of the debt ( i.e., what portion of the total amount constitutes principal, interest, fees, other charges ) ; a summary of the payment history on the debt ; a copy of the applicable contract giving rise to the debt ; and a copy of the underlying account statement and other writt and they have failed and broken all sorts of laws
Over two months ago, I sent a request to Experian, asking them to investigate errors on my report. They have not responded yet.
Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Transunion XXXX XXXX XXXX XXXX, Pa XXXX I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. The item ( XXXX XXXX, XXXX ) is inaccurate because the accounts is not mines. I am requesting that the items be deleted. Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, XXXX XXXX
TransUnion had a server error, where the company had deleted inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit reports! TransUnion failed to follow the LEGAL procedure to actually do so. When I called them to have the inquiries removes, they refused to do so. Below are the following inquiries : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, IL XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, MN XXXXXXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, MN XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX/XXXX XXXX, NC XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX RI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, TX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, IL XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, VA XXXX XXXX  XXXX/XXXX/XXXX XXXX, FL XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, UTXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX, UTXXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX
Please remove the following fraudulent inquiries from my TransUnion Credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I was contacted by portfolio Recovery Agency regarding an account that they claimed they purchased from XXXX XXXX ( XXXX XXXX ). On XX/XX/XXXX I requested that they validate and verify the information on their claim. I sent them a request for written proof. I cited the Fair Credit Reporting Act section 609 disclosures to consumers ( a ) ( 1 ) ( A ) and requested they verify through physical verification of the original signed consumer contract any accounts that they reported on a credit report. They responded on XX/XX/XXXX with old copies of statements and an explanation that they received only an electronic file and admitted they DO NOT have any signature. Despite this, they continue to report this on all three credit reports.
I have submitted a request for release of a XXXX mortgage with PNC Bank overv ( XXXX ) XXXX months ago. There are serious ownership issues I raised plus I submitted a letter of financial hardship. I realize that PNC may have more than its fair share of non-producing mortgages, but in my case the loan was a wrap around note with my business that eventually dissolved through a Chapter XXXX bankruptcy petition. My responsibility to the note has been discharged, however I believe that PNC has no other recourse but to forgive the debt completely. The Mortgage Forgiveness Act of 2014 will protect me of any IRS issues for forgiven debt. I demand that this matter be resolved immediately.
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in its entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX Not Proven Compliant Account -- > XXXX
While reviewing a copy my credit report, I discovered that IC System Inc has reported a collection on my credit report. I do not have any knowledge of an account with IC Systems or any company they may be  collecting for. The company listed on the report says XXXX XXXX. I do not have any accounts with XXXX. IC System Inc has not contacted me by phone or mail, nor have I received a 30 day dispute letter. They are reporting a debt of {$140.00} and have failed to notify me of the debt or verify if it is accurate.
My personal loan went to collections. The collection agency ( Popular Finance Services ) has been harassing me for payment. I am XXXX and can not work or afford to send them any payments. The total amount they are attempting to collect is {$790.00}. Their harassing collection behaviors include : 1. Coming to my house repeatedly, even after I asked them to stop coming. When I ask them to leave they refuse. 
2. They shout, they say hurtful and mean things to me. 
3. They laugh at me. 
4. They asked my son, who happened to be with me at the time, to pay the debt for me. They told him he was a bad son for not trying to help me with my bills. 
5. They told my daughter over the phone that she needed to pay the debt for me. 
6. They call me in excess of 3 times each day, but often they call from different numbers each time so I can not block them. 
7. They frequently call me after XXXX. 
8. They argue and badger me over the phone and in person, and do the same to my family, to pressure us to pay.
Carrington Mortgage told me to submit some paperwork to have autodraft enabled. I submit the paperwork. I was denied autodraft and never was notified by the company that I was denied. To this day I have never been told why I was denied. Later when I was under the impression that autodraft was working I received a delinquent bill phone call from Carrington. So I tried to pay my bill over the phone but was informed there is a XXXX $ charge to do so. So when I went to pay online I was informed that my account is delinquen and I ca n't pay online but that I HAVE to incure the XXXX $ charge to pay over the phone.
I have had this loan since XXXX of 2008. Which I had gotten through XXXX XXXX, consequently Navient bought the loan. I 've just discovered that I am being charged an interest rate of 35 %. My loan documents show I should be charged an interest rate of 11 %. If I had not been loan sharked this loan would have been paid off years ago. The initial loan was for {$3500.00} plus interest. 
I am also not getting correspondence from the company but they are harassing my co-signer with letters and phone calls monthly. He has to email me the letter they keep sending him. I 've enclosed a copy. I do not live with him and do not know why they included my name under his address. 
I have provided a copy of my profile on their website proving they have my current mailing address and phone number. I will be sending a copy of this complaint along with all other documents included to Navient as well. 
With all of the extra money being taken towards undue interest this loan would have been paid off and done with. I believe Navient owes me a sum of money from interest that was not due to them or the loan being considered paid in full. At the very least they should recalculate the loan at the proper interest rate and provide updated loan information as well as remove the co-signer and stop harassing him.
I recently received a copy of my credit report from XXXX  and noticed that the seven ( 7 ) XXXX XXXX XXXX accounts listed has incorrect information listed. I returned to school from XX/XX/XXXX-XX/XX/XXXX and received my XXXX degree. Then I returned from XX/XX/XXXX -XX/XX/XXXX and received my XXXX degree. I applied for loan forgiveness and my application was received by the XXXX XXXX XXXX on XX/XX/XXXX and all school loans have been in forbearance since then. I noticed that beginning XX/XX/XXXX-XX/XX/XXXX I was being shown as late with payments but as of XX/XX/XXXX I still had one more month to go before I was to begin to repay ( 6 mos. was not completed after I graduated ). As of XX/XX/XXXX-XX/XX/XXXXmy 6 mos. was not up AND I also was to be in forbearance until both the loan agents and myself are notified that the investigation has been completed. This is on all seven accounts and I am still in forbearance since XXXX so I am not understanding how this is being reported in this manner. I have disputed similar issues with them in the past but yet this shows up every now and again.
On XXXX my husband received a notice that we needed to call Capital One 360 due to some questions about recent activity. Since it is a joint account I called support who, after a 45 minute wait, indicated that an unauthorized person had logged into my husband 's account. As directed by support, my husband ran a Spyware scan and verified that his computer was not infected with spyware and sent the scan to their fraud department. Two days later when the joint account was still locked my husband called to have the account released. He was unable to reach anyone in the fraud department and was told he would receive a call back within 24 business hours. It has now been over a week and still no call back. 

I have attempted to transfer money from the joint account and Capital One 360 is preventing access to my funds until their fraud department talks to my husband. However, after over a week my husband can not gain access to anyone in their fraud department. 

It is a joint account and I am being prevented from accessing my funds. 

It has been over a week and we are unable to reach anyone who will release our funds.
These inquiries are unauthorized. XXXX, XXXX, and XXXX does not want to investigate these inquiries.