WillisBack/dataset-financial-user-claim huggingface dataset:
I recently did a chapter XXXX and the other credit company XXXX my information that was filed but Equifax removed some then put backon there saying that filed it as being placed under my chapter XXXX come to find outshe did it a Satisfied Judgement not she said after 90 days no changed in my sscore hopefully it will. Then told me I had to join Equifax to get the realscore not a third party. Never Heard such mess. Hopefully they will fix becausemy discharge is up but still have thing that was disputed open?
I took out a private student loan for {$5000.00} with a variable rate in XXXX XXXX, and deferred it until XXXX. I was then told that the balance at that point was {$7900.00}. I toke another deferment for about XXXX-6 months ( which was falsely reported to the credit bureau as late ). However, my complaint is that I have paid {$8300.00} ( not including this months payment ), and Well Fargo still claims that I owe {$4500.00} ( not including the payment I made this month. I tried to refinance this loan in XXXX of XXXX, and they refused to let me do-so stating that my credit was not up to par. I feel like Well Fargo is practicing predatory lending regarding this account, because each time I make a payment the balance seems to stand still or goes higher. Please help me! I feel like I will be paying them for eternity ...
The XXXX contact was on XX/XX/XXXX. They always begin the conversation is this such and such ( name ) ; without ever identifying who they are. They ask for personal information although the public is advised not to give personal information over the phone ; they continue to use this tactic. This is a debt that I took care of XX/XX/XXXX when I refinance my home and from that point on this debt has been sold to various collection agencies. They as for the request to have calls stopped to be sent in writing. I am reluctant to do that because I did not want to provide any personal information including my address, but it was confirmed by the Bureau of Consumer Financial Protection that it would need to be in writing. Sending my request in writing is my next step to stop these repetitious phone calls.
I received a collection notice from this agency without ever receiving any notice of the claim prior nor validation of the claim such as utility statement. Agency stated no further action would be taken until validation was secured. Posted to credit agency which has cused a denial for apartment rental
A representative a XXXX threatened over the phone to take my income taxes for a credit card debt I had obtained in XXXX or XXXX. They also have someone calling my job and calling my HR director " a rude woman '' and asking if I work at my place of employment because he is calling with a " courtesy call ''. He is actually a process server. I do not want debt calls at my job. I was not working at this job when I obtained the debt 8 or 9 years ago.
NationStar is playing the victim instead of actually reviewed my account. They were then and even now. I received a letter from them in the mail on XXXX XXXX, 2015. The letter is dated XXXX XXXX, 2015. My question is, how long did it sit on someone 's desk before actually being placed in the mail to be sent to me. In my opinion, seems as though they know these type of issues are time sensitive, so they hold it as long as they can, so by the time it makes it to the customers it 's already to late. With that being said they said in the letter, that their goal is to provide a response no later than XXXX XXXX, 2015. In my opinion, they only sent this letter because they were contacted by you all at Consumer Financial Protection and Nationstar is just trying to make themselves look good. They know that they are a bunch of crooks, preying on the low-income family member. Not fair, not fair at all. I hope that someone could really review my case and take care of this. I was cheated and they know it.
I received an offer for a Balance transfer at no interest for 19 months with a 1 % upfront fee from Comenity Bank with which I had an existing account. 

I took them up on the offer and had {$1000.00} transferred two times to another card. For the third transfer ( to the same card as the prior XXXX transfers ) I arranged for a {$7000.00} balance transfer, Comenity accepted the transfer request, however they then refused to complete the transaction by only vaguely stating that there was a " processing error ''. 
I spoke with at least XXXX people at this bank including XXXX supervisors and asked that they clear up the " processing error '' and abide the agreement. 

They refuse to live up to a valid offer and acceptance.
On XX/XX/XXXX, Sunrise Credit Services received a certified letter from myself requesting debt validation. The company sent a Billing Itemization. On XX/XX/XXXX, a 2nd certified letter of request to validate debt was sent to Sunrise Credit Services requesting proper debt validation per FDCPA guidelines. The letter requested a response within 15 days. As of today, XX/XX/XXXX, Sunrise Credit Services hasnt  responded to my request.
I have disputed this alleged debt multiple times with the credit bureaus each time they allegedly verify this account is mine and reporting XXXX accurately. I have sent XXXX disputes via certified mail to Portfolio Recovery Associates as well and they have never responded or sent me any proof about the alleged debt they are reporting on my credit file.
On around XX/XX/XXXX I noticed this collection account from IC SYSTEMS INC on my creit report. I immediately questioned if this was my debt. I sent IC SYSTEMS INC a debt validation letter on XX/XX/XXXX this letter was received by IC SYSTEMS INC on XX/XX/XXXX @ XXXX XXXX CERTIFIED MAIL TRACKING # XXXX XXXX XXXX XXXX XXXX SIGNATURE WAS ALSO REQUIRED. Since the delivery of my debt validation letter to IC SYSTEMS INC, I HAVE NOT RECIEVED ANY VERIFICATION OF ANY SORT, showing that this debt belongs to me. THIS IS NOT MY DEBT!!! please investigate. Also, IC SYSTEMS HAS RED FLAGGED MY ACCOUNT XX/XX/XXXX 4 TIMES IN 1 MONTH ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) 5 TIMES ALL TOGETHER. Please investigate as I am sure this has to be some type of violation on there behalf.
An account that was in collections with a company called XXXX for an old cell phone through XXXX was re-aged on my credit report. I contacted XXXX and they investigated the dates and basically they decided to remove the account from my credit report. Last week I get and alert on my credit monitoring that a new collection account has been listed on my credit report and the same account from XXXX is now listed by a company called Convergent Outsourcing LLC and they have a date or account being opened as XX/XX/2017. I attempted to contact Convergent by phone and by email all last week. I never got a reply of any kind back from them. This account was supposed to be permanently removed from my credit report by XXXX and it seems they not only re-added the account they sold it to another company and that company re-aged it.
hello, I received a letter promising " student loan consolidation & payment reduction program '' in the mail which I stupidly fell for. The top left of the letter says " FINAL NOTICE, contact XXXX, Assigned dept. Preferred Doc Solutions, NOTICE DAY : XX/XX/2018 '' The letter also informed me to login to my XXXX  ID account, which did not work so I called the number on the letter ( XXXXXXXX ) I talked with a man who convinced me that I would need to change my XXXX password, which I game him my new password. I gave him all of my information because he told me he worked for the Department of Education and I foolishly believed him. He received my social security number, drivers license, address, parents address, and all of my XXXX information. After hearing his promising proposal of completely bringing my student loan debt down to XXXX dollars, I stupidly electronically signed a bunch of stuff that he sent in an email and then gave him my debit card information so that I could pay the " fees '' relation to the loans being completely forgiven. 

He then put me through to a different woman who confirmed all of my information and told me she was sending me a " welcome packet '' with information that I would have to return back to them " immediately ''. 

I shouldn't have fallen for this scam, but the .gov website and being told that this man was a department of education employee really had me convinced.
I had a car loan with CPS ( Consumer Portfolio Svcs ) which resulted in the vehicle being repossessed around XX/XX/XXXX. Since that time, CPS has added incorrect data to my credit report to keep the account listed after it should have dropped off. According to the current report, it shows the account was paid through XX/XX/XXXX and charged off in XX/XX/XXXX. This is incorrect as the account should be reported as a repossession in XX/XX/XXXX. I have disputed this information more than once with no resolution.
Multiple calls looking for a XXXX XXXX who has never lived here or had this phone number. Told that to them, said they would take number off, but I still get their robo call. Most recent call was this a.m. XX/XX/18. Spoke with a male by name of XXXX (? ), Asked not to call again, he did not apologize and hung up on me.
Debt collector is showing up on my credit report in the amount of {$1800.00}. sent out a validation letter on XX/XX/2018 requesting for them to send me the information pertaining to this so called debt. Have not received anything from them and this is impacting my credit score.
I paid an extra {$250.00} payment online on XX/XX/XXXX and I figured since the account was paid up to date, the funds would be applied to principal only. The payment ended up being processed with principal AND interest. 

After noticing that is what happened, I called One Main between the dates of XX/XX/XXXX and XX/XX/XXXX to find out why it was applied that way and spoke with an agent named XXXX ( whom I can no longer trust ). After asking her why was it applied that way, she advised she didn't know. She stated in order to do principal only payments, I had to call in. Making it MORE DIFFICULT to pay the loan off earlier. This is unfair and it is also deceptive to have the option to pay online with no disclosure given prior to making the payment that we CAN NOT pay principal only. 

XXXX was of no assistance that particular day, ESPECIALLY because I asked for the amount that went to interest to be taken out of my account and applied as principal only. She took the payment ( so I thought ), asked me to hold so she can set up recording for my confirmation of the payment, came back to the phone and the payment never posted and it never came out. 

I called them back on XX/XX/XXXX because the money never came out of my account. XXXX answered the phone and I asked to speak with someone else after she was extremely rude in the way she answered my questions. Once again, using " I don't know '' as an answer for my questions. I asked to speak to someone else and she placed someone on the line to take my payment. That person took the {$250.00} principal only payment from me and it was processed correctly. 

The company 's website is misleading and deceptive and it does not help in making principal only payments. XXXX needs to be trained on how to handle calls from clients regarding the online system. She doesn't know ANYTHING about it and she is also very rude. 

I ask that she gets more training and better yet One Main Financial get a better website to use. Otherwise, it leads me to believe they are intentionally trying to make it more difficult to pay the extra money towards principal from month to month. I shouldn't have to call ANYONE. It should just be that easy. This has to be some sort of violation of UDAAP or some other regulation.
I have been paying monthly mortgage payments to Rushmore Loan Management S,ervices on a regular basis for years. Recently I have used XXXX online payment service for this purpose. Rushmore claims that they have not been getting the bank transfer funds and threaten me with numerous phone calls at all hours. My bank records show valid fund transfers. I am unable to talk to reliable Rushmore employees , usually their phone numbers do not answer. I do not want to jeopridise my mortgage, but do not know how to proceed. Please advise
XXXX
XX/XX/2015 I contacted TFC Credit Corp in an effort to clean up my credit. They informed me that my collection had been sold to XXXX XXXX, and that in order to take care of the collection with them, I would first need to pay off the debt with XXXX XXXX and subsequently, TFC would delete my collection as well. I was told this on two separate occasions, with several different people who work for TFC. I asked them for something in writing that would guarantee this policy, and they refused to send me anything. So, in XX/XX/2015 I settled with XXXX XXXX, thus taking care of my debt with both collection companies. Several months later, I looked at my credit again, and while XXXX XXXX had deleted my account from my credit report, XXXX still had not. I contacted TFC a few weeks ago to find out why they had not deleted their collection that no longer existed, and they said they could n't help me. I am writing this letter to report that I have paid this debt through the company they sold my debt to, and now I no longer owe TFC. That being said, TFC needs to remove the debt from my credit report as it is now falsely reported.
Victim of a phishing attack that reached me through one of my XXXX   XXXX. Following the direction on an offer of being appointed as an XXXX for a XXXX XXXX company, I withdrew cash for 2 Cashier 's Checks received from the fraudulent party of {$2900.00} each XXXX Total {$5800.00} ) and purchased gift cards for {$5100.00}. Since the bank was able to pay for the Cashier 's Check, it did not occur to me to question the validity of the Cashier 's Checks and assumed those were legitimate transactions. I emailed the scanned copies of the gift cards to the fraudulent party. 

After few days, the bank email alerts me with a negative balance in my checking account for the return of the Cashier 's Checks with notation 'ALTER/FICT '. I visited the bank and explained them the situation and questioned why did they gave me the cash if those were fictitious cashier 's checks. This fraud was avoidable if the bank would have taken the correct step in time. I requested for bank 's insurance to cover this loss which was in part aided by the lapse of verification steps while disbursing money against cashiers ' check. The bank did not consider my request and they asked me to deposit money into the account to avoid further penalties and adverse reporting to credit rating agencies due to the negative balance. 

Generally cashier 's check is issued by bank to a legitimate party only after receiving an equivalent cash amount. Hence it should be within the procedure of the bank to validate the legitimacy of the cashier 's check before disbursing money against that. This understanding of the process caught me off guard and exposed me to this loss. That lapse on the part of the bank has an indirect role to play in my loss. 

Additional Detail : Contact details of the fraudulent party : Email : XXXX Phone Number : XXXX XXXX XXXX XXXX Bank that disbursed the cash to me against Cashiers ' Checks : Wells Fargo Bank XXXX XXXX XXXX XXXX, XXXX NC XXXX Phone Number : XXXX XXXX XXXX XXXX
I was denied for a credit card application too many times and I was denied due to having too many cards open few months ago and today I submit a credit card application on XX/XX/2018 and they denied me all the way cause my date of birth was fake and they need some proof and I told them I don't have the way to go to the branch and I feel like I will be denied again if I submit my ID AGAIN and the bank will see my race and gender .. and I think this is discrimation and wrong and I'm so upset and I feel like if this was a XXXX person then he will be appoved right away .. the rep was rude to me and gave me a hard time and refuse to remove the inquiry
I initiated a dispute with XXXX  in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  placed a collection account on my XXXX  credit report amounting to {$220.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the account in question were verified by the creditor. XXXX XXXX XXXX XXXX did not provide any documents or evidence to verify the account, but instead XXXX kept these accounts on my report. I initiated another dispute to XXXX in XX/XX/XXXXasking again for proper validation of this debt, but instead of verifying the debt, XXXX reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Retail Merchant Associates did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
To Whom This May Concern : Enhanced Recovery has placed a collection account on my credit report, as dated opened XX/XX/XXXX, original creditor - XXXX, Type - collection, first reported - XX/XX/XXXX, monthly payment - non reported, credit limit or original amount - {$1000.00}, high balance - not reported, recent balance - {$1000.00} as of XX/XX/XXXX, status - collection account {$1000.00} past due as of XX/XX/XXXX this account is scheduled to continue on record until XX/XX/XXXX, date of status - XX/XX/XXXX, payment history - collection as of XX/XX/XXXX, and account history - account balance {$1000.00}. I have no idea who Enhanced Recovery is, I never have had any contract obligations with them or XXXX, I have never received any notice, mail, phone contacts, or any method of contact from Enhanced Recovery or XXXX. Enhanced Recovery has validated Under the Fair Debt Collections Practices Act ( FDCPA ) Section 807 ( 8 ), in which failure to communicate debt, proof that I am indeed the party you are asking to pay this debt, validation of date debt originated, and proof that there is some contractual obligation which is binding on me to pay this debt. In addition any agreement between XXXX and Enhanced Recovery must be provided, documenting what grants Enhanced Recovery the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Penalties against XXXX XXXX XXXX XXXX. Enhanced Recovery has never provided supporting copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. In addition the validity and the validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt and Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the  third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State, in which Enhanced Recovery clearly has not. Please have account deleted from my credit reports ( XXXX, XXXX, XXXX ).
I was solicited by XXXX, which I have a credit card in which they provide my FICO score monthly. They sent me an offer for HELOC as low as 4.99 % I responded by phone. My XXXX is about 51 % FICO is excellent with no derogatory info. I asked for {$35000.00} HELOC and was quoted 8.99 % after a hard inquiry on my Credit report. And even though I rejected the offer I have been notified by XXXX that I would need to contact my insurance provider to remove the loss payee standing by XXXX even though I never went through beyond application. I was informed by the loan officer that the rate was because the loan amount was too low suggesting I should borrow at least {$60000.00} to get a better rate although they had another parameter that the XXXX would have to be less than 59 %. Kind of a catch 22 when the parameters fluctuate. I would say that when a financial institution offers Loans with rates as low as 4.99 % and yet set parameters that make it less than likely a consumer will qualify is predatory.
Diversified Consultants is reporting on my credit report and attempting to collect a debt that I do not owe. Also I never received a notice for this either, I just saw it show up on my credit report. 
It says it is for XXXX but I do not owe XXXX. They came and picked up the Equipment on XX/XX/18, XXXX was the representative. I also made my last payment with him that day because he pulled it up and told me my final bill. His number is XXXX. XXXX has been paid and this debt is erroneously reporting.
On XX/XX/2018 at XXXX GM Finanacial repossessed my car saying im 3 months behind on payments, well 2 months and 6 days to be exact. My payments a month are {$310.00} they have given me until tomorrow morning to pay {$1600.00} to get it back or its going to be sold at auction. Thing is i always have paid by check from my bank account which i have ALL statements showing im only 6 days behind on XX/XX/2018 payment. Their monthly statements are NEVER right when i make a payment instead of it being taken off balance and reduced its like they add that amount to whats owed and the total EVERY month rises instead of reduceing. Even w proof they refuse to give me my car back even though it was an illegal repossession. Even if i was 3 months behind that total owed would only add up to be {$930.00} but yet they r demanding a {$1600.00} payment or i cant have my car back. Thats an extra {$660.00} for what is my question which of course they have NO answer for. So i have contacted a lawyer and i am sueing them over this. U might also want to go to their website Gm Finanaical.com check out tbeir complaint section, they have 801 complaints 554 of which are over financial or payments from that many more customers going threw same thing with same problem. 
Someone there is pocketing all this money that keeps disappearing or never arrives. Oh and evrytime you call these people u are only allowed to speak with a CSR the supervisor is NEVER in or available. Plus i have been completely harrased by these people they literally call my house 4 to 5  times daily for the last 5 yrs over this car payment. That itself is against the law not to mention i draw XXXX and i am a very sick women and this is absolutely ridiculous to have to deal with this on a daily basis and be treated like something lower than a dog by these people. They are rude and completely unhelpful. Something needs to be done a business of ANY KIND should not be allowed to harrase people or treat people this way ....