WillisBack/dataset-financial-user-claim huggingface dataset:
I entered into an agreement with Regional Acceptance in XXXX to finance my car. I did not realize that the cost of this loan would be more than double the cost of the car ( and I do take responsibility in not reading the paperwork fully prior to agreeing ). I recently noticed when reviewing a few statements that the way things are being done will cause me to be paying for more years. For example, XXXX XXXX my balance owed was around $ XXXX and XXXX XXXX my balance owe sits at around $ XXXX. So after paying $ XXXX monthly in 3 years my balance only goes down about {$1500.00} per year? This is scary! I am a single parent already struggling and I definitely need my car to keep working. I do appreciate the company working with me since I fell behind on payments after losing my job of 15 years and I am still working towards getting back on my feet. But I am so confused as to how it is taking me so long to pay off my car since XXXX. I was only able to pull up my statements starting from XXXX XXXX to recent. I do not have anything before XXXX XXXX. I am really trying to understand and grasp the best way for me to get out of this hole. Again, I do not want to cause any uproar because I truly need my car to live and I am trying and pushing on a monthly basis to pay the monthly amount but at this rate it looks like I will be paying for 5 more years. How is this possible?
I applied for a Venture Rewards Card with Capital One on XX/XX/19 ... I have excellent credit, above 800 according to my credit reports. Capital One promptly denied my application. I do not have any other cards with Capital One. Today, XX/XX/19, I received their stated reason for my credit denial - that I have too many cards opened within the last 24 months according to a XXXX Report. I then checked my XXXX report ( through XXXX XXXX ) and it only listed me as having 2 credit accounts listed as opened within the last 24 months. I then called Capital One for them to explain to me the reasons of the denial. They tried to tell me to contact the Credit agency - when I said I already reviewed my XXXX  report, they told me to contact all agencies. It seemed like they were trying to make up excuses for not approving the application. Then they said they were going to transfer me to a credit specialist and kept me on hold for 40 minutes and then hung up on me. I believe that Captial One targets people with lower credit scores so that they can make money on the accounts and doesn't want me as a customer because they are unlikely to exploit me due to my high credit score.
I have a car note that was refunded to my rushcard on XX/XX/2016 I spoke to XXXX different agents who stated that I will receive my funds within 10 days I am delinquent with my rent thanks to Rushcard.. 1 agent stated that they neededa email from the Merchant which was sent then they stated that the pending status would fall off after 10 days ... still no funds. Had a conference call with my Merchant and Rushcard agents..the Merchant told the agent they cancelled out the payment and released my funds but the Rushcard is holding my funds Not sure what to do to get my monies to pay RENT
I was stunned when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I currently have an account with XXXX XXXX XXXX for XXXX with XXXX. XXXX are charging me with giving back the equipment which I already did. I have my recent and XXXX still has n't changed the information. This account should have never been on my credit report and I 'm requesting removal.
I started receiving robocalls a few days ago from an outfit called Commonwealth Financial which I ignored because I have no outstanding debt with any party. Now they have dinged my credit by 100 points and I am livid! I do not recognize this debt or this company and they have many fraudulent marks against them online.
To Whom it May Concern, I took out two private student loan accounts during XXXX school with XXXX. These two accounts were in deferment during my XXXX XXXX. In XX/XX/XXXX of my fellowship training year, I was contacted and told that these accounts could no longer be in deferment because XXXX XXXX to specialize in the field of XXXX XXXX is considered " XXXX XXXX '' - the option for deferment no longer applies. At the time, I was unable to make the payment on these loans as I was making less in salary than what was owed per month on the loans. As a result, the loans were sent to collections with the company XXXX XXXX. On completion of my training, I contacted XXXX XXXX and settled the two accounts on XXXX XXXX, 2017. I was told that these accounts were now paid and closed and that they would be reported as such to the credit bureaus. The first account was in the amount of XXXX XXXX and settled at {$19000.00}. The second account was in the amount of XXXX XXXX and settled at {$18000.00}. I have proof of payment letters from XXXX XXXX dated XXXX XXXX, 2017. I contacted XXXX on numerous occasions to attempt to have these loans removed from the delinquent status. After many attempts and many hours of being transferred from department to department and being told that XXXX can not find me in their system by either my SSN, name, date of birth or the XXXX account numbers, was able to find a gentleman by the name of XXXX at number XXXX who confirmed that the accounts show as XXXX balance and closed. I asked for a letter stating such and he said he was unable to give out that information. He was also unable to explain why it was still being reported as delinquent and in collections to the credit bureaus. I was asked to send letters of proof of payment as well as a copy of the credit report that shows the accounts as still in collections. I sent these immediately by fax as I was told there is no electronic option at this time. I had to send the fax several times as they were not being received on XXXX 's end. This was over a week ago and I have still been unable to get an answer as to why these loans are being reported as delinquent or to get a letter stating that the accounts are paid and closed for my mortgage company. My husband and I are currently in the process of applying for a mortgage and these XXXX accounts are the only issue on my credit report. They are dropping my score by at least XXXX points. At this point, I have spent tens of thousands of dollars to pay these loans and have disputed them several times. I have even hired a company, XXXX XXXX XXXX, to assist me in disputing these loans that are PAID and it has been to no avail. XXXX is still reporting these loans as open, delinquent and in collections. They are affecting my ability to purchase a home for my family.
This collection account was paid to National Credit Systems and they agreed to delete this record from my credit score. However, it still remains on my credit report 6 years later.
Portfolio Recovery bought a credit card account from XXXX XXXX I opened in XX/XX/XXXX. The account has never been any activity on the account since XX/XX/XXXX. As of XXXX, the statue of limitation is expired and should be removed from my credit bureaus. 

Portfolio Recovery Assoc. has fraudulently made payments to an account that is outside the statue of limitation. A payment of {$1.00} was made by Portfolio Recovery to the account to bring the account current. 

Portfolio Recovery then proceeded threaten to suit me and finally file a law suit against me.
I have submitted several written requests to Experian Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.
Member since 1982. Even states it on the credit card ( document attached ). Age of account is listed as a couple of months.
On on or about XX/XX/XXXX I contacted my mortgage servicer by phone, Shellpoint Mortgage Servicing, to request an escrow analysis because I have {$6500.00} in my escrow account after my city taxes have been paid. My city tax and fee bill of {$5600.00} was paid in full to the City of XXXX, VA on XX/XX/XXXX and thus I have paid my taxes in full for XX/XX/XXXX totaling {$11000.00}. 

I am requesting that the balance be returned to me as I already have an escrow portion of my monthly mortgage that will sufficiently cover my first half XX/XX/XXXX city tax and insurance payment. If, for example no surplus is returned to me, by the time my city taxes are due again in XX/XX/XXXX I will have approximately double what I need to cover escrow items. 

I contacted Shellpoint Mortgage Servicing again on XX/XX/XXXX by phone after they sent me only a very small check for {$150.00}, which wasn't close to the amount I expected to receive since my taxes have been paid. After multiple failed and shifting explanations to reconcile why they could not provide me with my surplus escrow, they requested I send them a screenshot over email of the publicly accessible XXXX   City website showing that my taxes and fees have been paid in full for XX/XX/XXXX, something their own escrow department would have been able to access. I sent them a screenshot of this information on XX/XX/XXXX. 

On XX/XX/XXXX I received an email in reply stating that I am welcome to pay my taxes independently but that they would not do an escrow analysis until the annual analysis was due. Further, Shellpoint would not update my tax info and that they would continue to pay my tax bill without reference to the fact that it has already been paid ( XX/XX/XXXX ) and that payment predated their most recent mid XX/XX/XXXX escrow analysis. Both facts that I have communicated on several occasions and facts that should have been revealed in their escrow analysis. 

I am simply requesting that the surplus be returned to me. I understand that they can not hold more than 2 months cushion for escrow purposes. Instead they are telling me that I can not get my escrow surplus returned to me at any point in the near future.
I had USD {$3.00} as balance in my Paypal account and I decided to withdraw it, transferring that to my bank account ( already verified by Paypal ).

The transfer transaction was done by me on XX/XX/2018, according with Paypal it takes from 1-5 days to be the money in my bank.

I received an email from Paypal on XX/XX/2018 informing the money was being transfer and the estimated arrival was going to be in 1 day. 

I have called many times to Paypal costumer service and the answer was just wait that the money could enter to my account the next day. 

Today, it's been almost 15 day and I do not have the money in bank account.

I talked with the bank and they said they don't see any intents of transaction from paypal in my bank account.

Finally I talked again with customer service supervisor and she told me, that now she could see it was Tecnical Problems with the transfers made between XX/XX/XXXX and XX/XX/XXXX, and they do not know when the money could be available. 

Meanwhile I have to pay interest for that money and latefees.
Navient is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.
This co. XXXX XXXX XXXX/ and XXXX XXXX XXXX/ XXXX XXXX XXXX and XXXX XXXX XXXX now issuing CA based unknown phone # XXXX call many times would not levee a Mesg I called this # back and finely got some one and they said that they could not give me any info without my SSN and PHONE # I told them they just called me and why are you calling they refused : this co is XXXX XXXX XXXX/ XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have reported them many time over the last 3 years
The problem I had was with Hunter Warfield collections regarding XXXX XXXX Apartments. The apartment company charged me and my XXXX roommates for staining of carpet due to my roommates cats XXXX. My roommates told XXXX XXXX Apartments that the cat XXXX was their fault and to take me off of the fine. My roommates eventually settled in small claims court and the fine was taken care of. This bad credit report was never taken off. It needs to be removed.
XX/XX/XXXX This is a complaint about the servicing of my home mortgage by XXXX XXXX XXXX ( XXXX ) and Specialized Loan Servicing LLC ( SLS ).

On XX/XX/XXXX I received a notice from SLS that XXXX  had transferred servicing of my home mortgage to SLS, and I also received from SLS a Notice of Default and Notice of Intent to Foreclose stating three delinquent payments since XX/XX/XXXX and late charges. Payment was demanded to be made by XX/XX/XXXX and I was threatened with acceleration, etc. if I did not pay the amounts stipulated.

I spoke with an SLS agent onXX/XX/XXXX to disclose to SLS all of the facts concerning my business dealings with XXXX, and asked SLS to verify the facts and to cure their misunderstanding that was created by the false information provided to SLS by XXXX. I followed up with a letter to SLS on XX/XX/XXXX.

I received an Escrow Closing Notice from XXXX  dated XX/XX/XXXX stating : As of XX/XX/XXXX, you will no longer have an escrow account because : you asked to close it. Since that closing date I have paid the real estate taxes and property insurance. Also, I have paid the monthly mortgage payment for principal and interest every month, in full, and on time. I have the bank record of payments as proof of all payments concerning my home. XXXX and SLS both have made an overpayment of real estate taxes that I reimbursed them for and they accepted.

I received a XX/XX/XXXX Statement Summary from XXXX. It included : Total Interest Paid in XX/XX/XXXX : {$2900.00} ; Real Estate Taxes Pain in XX/XX/XXXX : {$0.00} ; Beginning Escrow Balance : ( {$600.00} ) ; Ending Escrow Balance : {$2500.00} ; Ending Gross Unpaid Principal Balance : {$160000.00} ; At the time of transfer the Principal Balance was reduced to {$160000.00}. If the escrow account was closed in XX/XX/XXXX, why was there a balance of {$2500.00} in XX/XX/XXXX? Where did the funds originate? Was this yet another XXXX error and failure to refund all of my escrow money in XX/XX/XXXX?

For the past 9 months SLS has harassed and threatened me to foreclose on my property and has tried to extort a large sum of money that they tell me is for taxes and insurance payments. Although I keep telling SLS that I have paid the taxes and insurance in full, they continue to ignore the facts. For the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, SLS has refused to accept my monthly mortgage payments for principal and interest and has returned it to my bank account. The returned money is being held in a bank account pending disbursement instructions from SLS. SLS told me that they can not accept partial payments. Are these people insane?

I have sent to SLS three Request for Information and Notice of Error hoping that their research would cure their false claims. They have not and they still refuse to research the facts.

Let it be known, if SLS is not capable of doing the necessary work to cure their fraudulent claim against my home mortgage, and to stop harassing me, and to stop their criminal extortion efforts, I am ready to file a criminal suite against them.
I have been getting repeated calls and messages from this company. I have explained my situation with my income/bills after loosing my home in the flood, and they still keep calling. Also, I have received calls before XXXX on a Saturday.
My card was stolen on the morning of XX/XX/2017 at around XXXX. I discovered this around XXXX and contacted AMEX to cancel the card and dispute the almost {$450.00} in charges. They informed me that I had to wait until the charges had cleared before they could do anything about it, and would n't even tell me the locations the card had been used. I filed a police report and have been in contact with the police mutliple times. I have provided the persons name that stole the card, contacted the locations and they are getting the video ready of the person that stole the card using it. 

Every time I speak to someone it is someone in the XXXX who does n't care that it 's XXXX and that I 'm doing everything I can to get this XXXX caught, but they will only say 7 to 10 business days. This is a DEBIT CARD, NOT A CREDIT CARD!! My paycheck went on this!! This XXXX stole half my paycheck and i live paycheck to paycheck. I ca n't afford to wait for them to provisionally refund the amount until the XXXX!
This complaint is against CHASE.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using UCC 1-308, I never used the card when I received it, I don't remember my wet signature on any of their documents, Chase never loaned me any money or legal tender, I didn't authorize Chase to access my credit report, I don't understand how I'm liable for any debt with Chase. Under the law, only Congress can issue legal tender, and XXXX XXXX relieved me from debt, since it's public.
I was in a car accident on XXXX/XXXX/16. Several days after I was finally discharged from the hospital I got a call from Bay Area Credit Service ( unsure of what date due to injuries ) trying to verbally collect debt on my ambulance ride XXXX $ XXXX XXXX. I received no bill from the ambulance company and I did not receive any written notices from Bay Area Credit Service about the said debt. I was aggressively told I should just pay right now over the phone. I told them no that my insurance should cover the bill and gave my insurance information. 

They called approximately a month later XXXX/XXXX/16 ( I still have not received a bill or notice of any kind in the mail and they have my address ) and said my insurance covered some of it but I owe around {$50.00} plus interest which comes out to {$95.00}. I told the caller XXXX XXXX that I never received the bill or any notice and once again he insisted I pay now over the phone via credit card. I told him that I need the paper bill to send to my lawyer ( who is handling any and all matters related to my car accident ) and I would not be paying over the phone without the paper bill. He insisted I pay him over the phone again and I repeated myself that I needed to have the paper bill and that I never even got a bill at any point from any company. He then in a threatening tone said " Do you really want to get your lawyer involved in this? For {$94.00} dollars? '' And I responded with yes. Then he took my lawyer 's information and gave me a verbal breakdown of the charges. I then asked again if he would be sending the paper bill. His response was essentially a " maybe '' and that he could put in the request ( which sounded very much like a no especially in the way he said it and how he repeated himself ). He also quickly said something about me actually never getting a bill or that it was my fault I did n't get the bill but then he quickly changed the subject and asked me to repeat my address. They first called me XXXX, talk about preying on the vulnerable.
Wells Fargo opened another checking account under my name without my permission. This happening a few months ago - I am not sure on exact date. They have been charging me $ XXXX/month if the account does not have {$1500.00} in it. I already have a primary checking account with them ( that I will be closing and taking elsewhere ) so this did not make any sense to me and I received no forewarning by means of letter or phone call prior to this account being added. When I called - they told me they were transferring my savings into this account - again with no explanation.
I recently sold my home. The buyer 's loan was through Wells Fargo. On the date escrow was to close, nothing happened. I was n't notified and my realtor was n't notified that escrow was going to be delayed for two weeks. In the mean time, my husband had taken three days off of work, we hired a moving company and we spent a lot of money we did n't have to had we been notified that the close of escrow would be delayed. For the next two weeks, we were unable to pay bills and suffered a lot of stress due to the financial pressure their lack of communication put on us. When we confronted them about it, they apologized and accepted full responsibility. They then backpedaled and said they could not discuss it with us because of confidentiality ( we wanted to discuss their lack of communication ; not the reason escrow had been delayed ). Since then, it has been like talking to a brick wall. I feel that large companies like Wells Fargo should be held liable when they fail to communicate something as important as a two week delay to escrow closing. Maybe two weeks without being paid is n't a big deal to them but it was a very big deal to us.
My account was sent by Gas Company to the collection agency. This bill is paid but the collection agency has not removed my name from collection. Please advice.
Ive been trying to work with the company that handles my XXXX Credit Card. 

XXXX XXXX. 

Ive spoken to them multiple times and tried to work the problems out with them but theyve not only threatened to sue me in the past, but theyve also started manipulating my statements and lying to me. 

Theyve also started calling me multiple times a day again, even when Ive mentioned to them multiple times that I work XXXX to XXXX most days. 

They called me 5 times yesterday, and another 3 times already today within one hour. 

I recently agreed to three automatic withdraws from them to bring my account current and my last automatic payment was on XX/XX/XXXX. Theyve charged me a late fee on my last statement which is not fair, as they were the ones that authorized when the payment went through. 

Theyre also telling me I have a missed payment, which doesnt reflect on my statement either as it says my next payment is due on XX/XX/XXXX. 

This company has been the absolute worst creditor I have ever worked with. 

They do nothing for their consumers and will abuse every exploit that they can to make it as hard as humanly possible for you to pay your debts.
This Collections Should be disputes for my credit report. 
This 3r party takes advantages about the situation, There are all Medical Bills Affect my credit score. 
Those bills already take care with my insurance Company. 
Please i need this disputed this Collection bill as soon as possible Regards XXXX XXXX
My student loans were in normal repayment status, with monthly auto-debit ; and then suddenly without notice, Navient reflected one of the loans as 5 months overdue.