WillisBack/dataset-financial-user-claim huggingface dataset:
I noticed a problem with my loan in XXXX XXXX but did not think of anything until XXXX XXXX when I was unable to make changes to my account. I was told that I was not on the account and that they could not help me. I have had these loans since XXXX and did not understand how this was happening. I called and got to an executive who explained to me that my social security number, name, occupation and address were for someone else and that I nothing to do with the account. This did not happen until the end of XXXX. I was told that I needed to drive to an office and verify my identity, which happened twice. I was told that they would not report my missed payments until they figured this out and that all the late payments I had received would be taken off up to XXXX XXXX. I talked with this person until XXXX, when nothing had been figured out or fixed, I contacted XXXX lawyers who did not help me and I made a police report about identity theft per lawyer advice. I was told that they would not report to the credit bureaus about the late payments because it was there fault.The company was constantly calling my mother, co-signer, and telling her to make payments or they were going to put it to collections. I called the company back last week to see if anything had been done to fix the situation and was informed that the other name was taken off my account. I talked with another executive who told me that he would try to get my loans out of collection, reverse the late payments, fix my rating with the credit bureaus and get me a letter explaining how and why the guys name was on the account. He called me back to inform me that they could not do any of that and that no matter what, I was liable for the debt. They have totally ruined my credit and my mother 's and made me have such bad migraines that I needed medication. They have lied to my mother and I and have not been helpful in trying to fix the situation. I tried to work with them and give them time to fix the problems but I am not getting anywhere. I just want to get this problem situated and get back on track with the loan or get it completely taken care of. I do not think this company cares about what they do or how it affects people.
I calle d capital one on   XXXX  because of the hold they were placing on my credit card th e manager said that he would apply a credit for {$50.00} on my acct due to the inconvenience yet applied only {$15.00}. talked customer service tonight and they told me oh well his note is what we have to go by. I  have the call recorded and it clearly states {$50.00} yet they will now honor that
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX Those dates are : 1. XX/XX/2017
I disputed the following accounts by mail and online with each of the bureaus. Still, none of these bureaus are reporting the disputed accounts accurately. Furthermore, addresses that do no belong to me are reflected on my reports and must be removed. 

XXXX XXXX XXXX XXXX This account was paid in full, yet Experian is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX  says XX/XX/XXXX, XXXX says XX/XX/XXXX Experian says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX XXXX XXXX This account was paid in full, yet Experian is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX says XX/XX/XXXX, XXXX  says XX/XX/XXXX and Experian says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX monthly payment amount, term, payment status and date last active are contradictory and inaccurate. How can each bureau be reporting completely variable information if they claim the information was verified? 

XXXX  XXXX account status, monthly payment, terms, payment status, comments and date last active are completely different from each other, again, inaccurate and misleading. 

According to Fair credit reporting act, the reports should be 100 % accurate and if not, the inaccurate information must be removed. I have attempted to resolve these issues with each bureau who FAILED to comply with the law.
I am filing a complaint against Alliance One for violating the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), and I mailed certified letter requesting validation of debt owed on XXXX/XXXX/2015 to Alliance One Receivable Management Inc. I was unaware of the debt owed or which organization I owe the debt too until I checked my credit report. I informed Alliance One in writing that I was NOT requesting for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. 
I asked Alliance One in writing to please provide a letter with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered AgentAlliance One Receivable Management Inc failed to validate the debt owed as I requested in writing, and this company responded with AllianceOne Receivable Management Inc generated bill statement of how much I owed. Under the Fair Credit Reporting Act, I have the right to ask for validation of debt. On XXXX/XXXX/15, my husband received XXXX County District Court XXXX XXXX XXXX court order garnishment letter against me filed by Alliance One Receivable Management Inc. Alliance One Receivable Management Inc. violated Fair Credit Reporting Act. I did not sign the certified letter.
Our loan is currently being serviced by   Seterus.
<P/>  Recently our account was locked out from logging in online.  <P/> We have tried resetting it, we have called and the people on the phone do not have the ability to unlock accounts.  <P/> The website is unreliable and from the representative 's own words " sometimes works and sometimes does n't work '' We have been charged a late fee already
Over XXXX years ago XXXX XXXX XXXX charged off a debt. Its so old that its no longer showing on my credit report and they are out of business ( see document attached ) so there is no way of verifying original creditor or amount. Cavalry SPV LLC is trying to attempt to collect that debt. This is a XXXX party debt collector. The debt and the statute of limitations has expired on the original debt.
XXXX 2015 : I called to make a payment on XXXX, asked the rep directly if they could waive any of the late fees from previous months since I was catching up from being XXXX payment behind. In previous calls trying to catch up I asked if I had late fees to pay and reps at times said no. What they really meant was you do n't have to pay them now. Slightly inaccurate when a customer ( me ) asks what is my late fee or when does it apply. 
Last XXXX XXXX, I called to make a payment ; the young lady said late fees go into effect on the XXXX so I could have a manager call me back. Wrong! Yes a manager could call me back but a late fee was applied to my account {$28.00} for waiting to hear back from a manager. I still offered to make a payment Thursday the XXXX so it 's Super upsetting to incur any fee for something you ask about directly and are misinformed about. 
She was wrong about the late feeShe was wrong about having a manger call me back. Someone called saying they were from US Bank and left vm with general XXXX numbers and no name. so I had to call back XXXX and start the request for manager to call back all over again. 
This is all happening so fast my XXXX credit rating has slipped below XXXX. Thanks US Bank for making it so difficult to get accurate information about payment and fees information. Your reps are wildly inconsistent. 
Are they trying to drive customers into further default? 
Is US Bank trying to cause consumers to default on home mortgages and they foreclose on them? 
I 'm back to work as will be paid in full as of XX/XX/2015. How about the rest of their customers who are n't as fortunate and have to go through the repeated misinformation and delays associated with trying to get right information and make right amounts of payments to get out from default. God bless ... 
Please advise ... 
XXXX XXXX
I deposited a check drawn on the same bank into the ATM checking account XX/XX/XXXX. The bank gave me none of the money for immediate use. Now it is XX/XX/XXXX XXXX XXXX and they have still not credited my account. Even though if I physically still had the check, I could walk it right down to the bank and cash or deposit it and get full use of it right this second. So my money right now is lost in the banking system and I have no access to it. What good is the ATM for making deposits if it just going to make it more difficult to gain access to my money. Somethings wrong with this and I have not had any food to eat for over 24 hrs because I ca n't get my money. Please Help
I 've submitted multiple disputes to Transunion in regards to collection accounts that XXXX XXXX XXXX and XXXX XXXX XXXX have inserted into my credit report as credit tradelines. I provided documentation to Transunion on different occasions and each time the accounts come back verified. I supplied Transunion a copy of their own documentation showing how a collection account should be reported and they still have not deleted the inaccurate information. XXXX XXXX and XXXX purchased delinquent charged off credits cards and are now misrepresenting themselves as a Debt buyer and my original creditors which they are not. I have no other option but to file a complaint with the CFPB and the South Carolina Attorney General office. 

These accounts are reporting with payment history whereas there is no provision under the collections segment of a consumer credit file for debt collectors to report payment history profile dates and items. 

These accounts are reporting payment terms as well. Again information that should not be reported by a collection agency. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). This reporting is frivolous and inaccurate.
On XX/XX/2017 I contacted the debt collection agency Portfolio Recovery to ask what creditor does the debt they claimed I owed originally belonged to. I was told they were not obligated to state the original creditors name and continue to ask me to verify it is indeed my debt even though I have no means of knowing of this debt. I was never given a written notice of any said debt. If I indeed owe the debt, I have the right to know who the creditor is and it should be validated to prove in fact it is my debt. Further more, the collection agency Portfolio Recovery is not license in my state ( TN ) to collect.
The negative and wrongfully reported account has been added to all 3 of my credit reports damaging my credit worthiness. The account was added to my credit reports on XX/XX/2017 in the amount of {$570.00}. Can you please assist me in resolving this matter? Thank you
I have always paid my bill online every month with a the company and they always show that they receive my payment however, one time I received notice 30 days after i paid them that they never received the payment even when the website says they did. This has caused a 30 day late pay to show up on my report by no fault of my own.
On XXXX/XXXX/XXXX I called Macy 's credit department to report my credit card was stolen along with my wallet. So they cancelled that credit card and told me they would be sending me a new XXXX in the mail. After waiting for a week to 2 weeks ( XXXX ) I finally received my card and registered it online with Macy 's and set up my alerts as I do with all my credit cards. The same day I activated and set up my alerts I get an alert about a transaction that was made at the XXXX California store. I called Macy 's and advised them that I did n't make any purchases and received the card the same day. The customer service rep told me that someone had gone into the store and done an inquiry and gained my new account number that way. So she cancelled that card and told me that she had reported it to their fraud department. She also said she would be sending some paperwork so I can dispute the charges and to send the info as it is instructed on the paperwork. XXXX XXXX I receive the my first letter so I went ahead and sent them all of the documents it asked for and filled out their paperwork and sent it on the same day. Week goes by, I do n't get any kind of response so I called and and they said to give it couple of days for it to arrive. On XXXX XXXX XXXX as I arrive from my cruise I see a second letter dated XXXX XXXX asking for the same documents and paper to be filled out as the first XXXX. I immediately called Macy 's and asked them what was going on with my account and they stated that they sent a second XXXX for charges that were made on XXXX/XXXX/XXXX. I explained how can this happen if I had called and reported the fraudulent charges made on XXXX/XXXX/XXXX and at that time they cancelled the account and gave me a passcode to better secure my account. She said she did n't know how but that she had made notes to my account. On XXXX/XXXX/XXXX I called their fraud department to get an update on my case, I learned that my account was sent to collections and will be reported to the XXXX credit bureaus as a negative account but that after it gets investigated and if found that I did n't make those charges, they would call the collection company and have it reversed. They advised this could take up to 60 to 90 days after they receive the documents they requested in the mail. All this could have been avoided if Macy 's would ask for proper identification.
I paid this debt in full XXXX of 2017 and I have already submitted a complaint due to their customer service rep providing false information. This company has stated NUMEROUS times I owe them {$0.00}, which is FACT. However, I get at least 4 phone calls per week from XXXX XXXX trying to collect a debt! I will sue this company if they do n't remove my phone number from their call lists as I owe them nothing. When I call them directly I am told that I owe them nothing. But they continually call me from different numbers that include : XXXX ( XXXX XXXX XXXX, XXXX, XXXX. IT IS NEVER ENDING. this company is disgusting and if they do n't stop calling me to collect a debt that is not owed I will sue them.
I reached out to both XXXX and Equifax to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are : XXXX : XXXX , XXXX XXXXXXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XX/XX/XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, UT XXXXXX/XX/XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>The following are inquiries from Equifax that are not authorized by me : XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX2016 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I have had XXXX disbursements between XXXX XXXX and Department of Education, now known as Navient. One year I sent in a check for XXXX specific loan which was higher interest. The following month, every other loan took more out of my monthly payment to make up for overpaying the other loan. I have had loans separated into individual groups to ensure the overpayment does not effect the other payments. Why do I have to do this? At least twice after that I was told that everything was all set and payments would continue to withdraw and apply at the same amounts which did not. One time they did not restart the ACH payments for the next month which cost me more money toward interest. I would like CFPB to review my payment history and the number of times the amounts " due '' have changed every time I overpay. Thank you.
I entered into a settlement agreement with Citibank on a Sears account ending in XXXX that allowed me to pay them {$4200.00} as payment in full. I was not able to get the loan completed by their payment due date, so I called and asked for an extension and was told that it was fine and I asked if needed another settlement letter and Citibank said no. So the loan went through with my credit union and sent them Certified check marked loan payoff. I thought it was all over until I started receiving calls from XXXX and I told them i paid the account with Citibank, but still went ahead and filed a collection lawsuit against me for the account I settled with Citibank.
In XX/XX/2017, Chase called me and told me I was behind on my payments on my HELOC and the total owed was now {$450.00}. My regular monthly payment before that had been {$100.00} per month. So, I gave them my account information and allowed them to debit the amount specified even though I did n't think that was true.
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After that, I thought everything was fine and that I was all caught up with them. The next time, I met with my financial counselor, I saw my credit report and saw that my credit score had dropped over 100 pts! I then went to Chase and spoke to them in person about the issue. The representative said that they would fix the issue and that it was a mistake on their end.
<P/>
Today, I reviewed my report again, and saw that they had marked me late for over 30 days in XX/XX/XXXX, which is not accurate.
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Due to this, they have also increased my APR to 7 % and increased my monthly payments.
I 've been dealing with Fedloan Servicing about my status with the Public Service Loan Forgiveness Program. I 've been keeping track of my progress towards my 120 qualifying payments under an approved repayment plan but the information about my payments given to me by Fedloan Servicing seems not very accurate. I 've requested the payment amount be researched further and even spoke with managers but I 'm not getting any information. I 've provided supporting documentation that I 've made additional qualifying payments but I 've still not received any response. I 've been told that I need to provide information that is impossible to obtain based on banking practices. I 've been asked to supply documentation that can not be provided due to the purge of Banks and Lender information after 7 years. I 've worked to keep track of my progress and feel that I 'm being penalized because I 'm close to the 120 payments. My loans were also placed in deferment at times due to their issues with processing paperwork and this was not by my choice. The deferments were placed administratively. During these times, my payments do not count towards my qualifying payments and it 's penalizing me based on their shortcomings. My payments were direct deposited and I 've basically have had no change in employment or limited change in income. I 've supplied the required paperwork in a timely matter and have had to contact them several times about on going paperwork issues. I 've requested, on several occasions, that the matter be addressed due to the time I 've been making qualifying payments but I 'm still not being given any reason nor information. I 've also contacted and attempted to contact the prior lenders about the information that was sent to Fedloan Servicing. I uploaded supporting documentation that verified my qualifying payment history, direct deposit info and qualifying repayment plan but Fedloan states they 're " researching '' and " searching '' for more information.
A medical debt from XXXX XXXX was reported to transunion in XX/XX/XXXXas being invalid. Transunion was provided proof that insurance had paid the balance and XXXX XXXX was trying to collect more than owed. Transunion deleted the collection from XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the collection re appeared under another name " XXXX XXXX XXXX ' for the same amount via XXXX XXXX. I dispute this amount indicating transunion was not in statutory compliance with FCRA 611 ( a ) ( 5 ) ( b ) having failed to notify me of any re attempt of a previously deleted item. I sent a secondary request on XXXX/XXXX/XXXX via certified mail to transunion to delete the inaccurate item and they sent me a letter on XXXX/XXXX/XXXX indicating they would not with no further information, not only was the debt already proven invalid and removed once before adding it a secondary time with no notice or evidence is a violation of FCRA 611 ( a ) ( 5 ) ( b ) and transunion should be fined as well as rectify this immediately
I purchased 2 watches as gifts from the XXXX mall location in Wisconsin of XXXX 's on XX/XX/XXXX. My purchase total was {$690.00}. Since I already have a Sterling Credit Card I knew that purchases over {$500.00} were qualified to be interest free for 6 months. I confirmed with the gentleman that I made the purchase from that this was correct and he agreed. 

I then had to take back one of the watches because my stepdad didn't like the style and wanted to pick something different. We exchanged one watch on XX/XX/XXXX for a different one. I did get a {$76.00} credit into my account since the new watch I purchased didn't cost as much as the first one. This would still leave me with a {$610.00} purchase- still should have been qualified for no interest. 

To my surprise I was charged with my first finance charge of {$12.00} on XX/XX/XXXX. I then emailed the company ( an option when you are logged into your account online ) on XX/XX/XXXX and asked why I was being charged interest. I received an answer on XX/XX/XXXX from XXXX XXXX stating that the promotional plan I was interested in requires a 20 % down payment at the time of purchase so I wasn't eligible. 

My response on XX/XX/XXXX to that was that I was not informed at the time of purchase that I was required to make a down payment or I would have done so. I then asked for the situation to be handled or I would be filing a formal complaint. That response was : a very general : XXXX XXXX  issues your account and responds to all credit related inquires on XX/XX/XXXX. This infuriated me. I had to actually wait to calm down about this situation before I filed the complaint. I work in customer relations at a bank and would never blow off a customer that states they will file a formal complaint. I deal with them everyday and make sure that whatever they ask for is handled. For me to get treated like this when the shoe is on the other foot is a slap in the face. 

I thought I would wait one month to see if I'm still being charged interest and sure enough I am.