WillisBack/dataset-financial-user-claim huggingface dataset:
number, and I had a debt from XXXX recently placed on my credit karma account without being notified by collections company Collection Bureau of Hudson Va.that I owed this debt. I called them and asked them about the debt, and why I was never notified. They said I had been but the address they had was incorrect I than asked if they had a current phone number, and they did. I then asked why I was n't notified by phone and they did n't have an answer. I immediately paid the bill which was the date of XXXX/XXXX/XXXX and the exact amount of {$120.00}. The bill is still in collection on my account and has n't been marked paid, I would like to know how they can mark my account without properly notifying me. If you can contact me my email XXXXXXXXXXXX, thank you. 
XXXX XXXX XXXX
I have bought XXXX XXXX 2011 XXXX from XXXX XXXX XXXX , XXXX . I was going through a Bankruptcy at that time. I paid {$10000.00} down and rest financed by Wells Fargo Auto loan. The Finance department said to me that my interest would be 17.990 % because of my bad credit. Since I was in desperately needed of a car I agreed to the above interest. But I realized that they took advantage of my desperate situation and exploited me of my bankruptcy situation. This is unfair because in 2011 the average auto loan interest was less than 3 %. 
I strongly believe that the XXXX XXXX management and Wells Fargo deliberately duped me to pay high interest. 
I have been paying the monthly installment of XXXX for the past XXXX months that equals to {$40000.00} for the loan of {$30000.00}. 
This is unfair and please makes sure that Wells Fargo write off the balance of XXXX and take the lien from the title. 
Paying 18 % interest is like cutting your throat and I work 90hours per week to meet my both ends meet.
Last week on XXXX XXXX I paid off my HELOC loan in full sending a cashier 's check in the amount of {$18.00}. XXXX based on payoff figure provided by Ditech. I send XXXX by overnight mail. Tracking shows it was received on Tuesday XX/XX/2018. To date they have not applied my payment nor closed out the loan pursuant to the letter enclosed. I called. last Thursday and was told that by Friday it would show as paid off as of the date received. I waited until Friday and was told wait until Monday. I called today and was told by XXXX that they applied my payment to a dummy account and that she sees the check and sent an email to the appropriate department and wait three days and payment should be applied. I am tired of being given the run around. I will attach copies of proof of payment, mailing and receipt.
My mortgage Co. Is S.P.S. ( Select Portfolio Services ). They were hired by XXXX about 8 months ago, when XXXX was our mortgage holder. But S.P.S. Became our mortgage holder in the middle of a modification negotiation. XXXX, they upped my payments from 600 to over 900 a month. Then after the trial payments of XXXX a month for 4 months, the payments were supposed to go down. But they did not. I signed a three year forgiveness contract. After S.P.S. upped our payments XXXX in less than4 months. I had an attorney read my paperwork, they advised me that my paperwork was very miss leading. I would have to pay back 63,000 dollars at the end of my loan. This is not what we agreed on. I have been dragged from XXXX bad mortgage Co. to another, to another, and yet to another. I am in need of some help with this matter. And they keep saying they will mail me papers to see if I qualify for a reduced payment. But they still havent mailed me any paper work, even after XXXX times of them saying they have. Striat faced liars.
So Equifax XXXX and XXXX is still reporting items wrong on my credit report? As you can see my reports has errors by law I'm required to get this fixed but it's not. I would like my credit report fixed as soon as possible so I want have to keep disputing items. Thanks
They will not respond to any of my disputes. 
XXXX XXXX XXXX for $ XXXX I have never had a student loan with XXXX XXXX XXXX XXXX 
They say this is from 2011? I did not get a student loan from these people.
I applied online for the capital one quicksilver credit card and when terms were emailed to me they were different from the website. The site stated no annual fee and 0 % interest on purchases and transfers til XXXX 2015. My card came mailed to me with NO terms with the card, that 's the first time that 's ever happened to me. I called and of course the terms were the worse terms that was emailed to me. These new terms had a {$39.00} annual fee and the 0 % apr for transfers was gone.
Several years ago I had 2 charges on the checking account. I reported this and ALL of my Citi accounts Checking, savings and cards were blocked. I had to reset up my passwords and sign ins for security. The issue was I was paying on a closed Citi account # XXXX. I was told that I could not have a sign in because I no longer had a credit card to complete the authentication process. I was told I could manually call in if I wanted to pay any extra payment amount other than my minimum payment. They can set up another amount but I only know month to month what I have extra to reduce the amounts that are due. I can not manage my card as all other Citi card customers can because they do not have an alternate process to allow me to authenticate. I have been paying for years and my payment only covers interest and a small dollar amount for principal. I am not able to manage my account so I can pay my debt off quicker as any other Citi customer. I have called on this and I always get the same response. We can not help you. I do not believe this is fair and I am being charge thousands of dollars in interest over the last years because I am not able to manage my account so that it is advantageous to me.
Starting in XX/XX/2018, my loan servicer, Specialized Loan Servicing ( SLS  ) has started to charge me a late fee of {$120.00} if I do not pay my mortgage by the XXXX/XXXX of the month ( I received a similar late fee penalty this month, in XXXX ). Previously, if I paid my mortgage payment after the XXXX or XXXX of the month, for a period of almost two years, I did not receive such a penalty. I looked back at my loan closing documents and there is no such right in there for a servicer to start charging me a late fee arbitrarily for not paying by the middle of the month. I have sent a notice to the servicer indicating these facts but I have not received any response as of yet.

I believe this process of arbitrarily starting to charge me late fees after almost two years of mortgage payments ( of which I have not missed any ) is unlawful and I want this organization to cease this activity which I believe is an unfair practice. Thank you.
I was looking for a vendor to get a mortgage through. I of course went and shopped around to find the lowest interest rate/closing costs. I provided a quote from XXXX to Chase Bank. Chase Bank agreed to match the rate/closing. Throughout my entire time with Chase I have received lack of follow up, delays in obtaining my mortgage due to several Chase issues, my sellers lost their interest rate lock in due to Chase and the list continues. I am okay with how inadequate Chase was through the underwriting process, but I am not okay with the fact that they promised to match rates/costs and they did not. Chase overcharged me by almost {$3000.00} in closing costs. This is something my attorney uncovered. When this was brought to Chase 's attention I was assured that they would look at this and compare the costs again to ensure it was in line with the quote I initially provided, and would make sure this was updated prior to closing. At closing my attorney indicated nothing was changed, it was still the same and completely out of line with the other competitors costs. I contacted Chase who assured me they would work with management to get this resolved after the fact. I proceeded with closing as we were 30 days past original close date as is and my sellers were now at risk of losing the home they put a purchase offer on. I followed up with Chase on numerous occasions as of close date, with little response. Managers contacted me due to me escalating, and they too did not follow up with resolution as promised. I brought the closing costs to Chase 's attention on XXXX, it was still unresolved at my close on XXXX. I continued to dispute this with Chase from XXXX/XXXX/15 to XXXX/XXXX/2015. I have followed a couple times each week, or weekly without any type of response from managers at Chase. I looked up the VP in my area and sent a letter to her in hopes that someone would respond and return the money that was rightfully mine and not Chase 's. The contact I last received was on XXXX/XXXX/2015 from senior management resolution team at Chase indicating that my request was denied. I have plenty of documentation/emails showing the discrepancies and the promises to match. I am happy to provide any documentation needed.
I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the XXXX breach. I called each of the three numbers given on the FTC web page instructions : XXXX XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
Experian : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
XXXX : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.
Negative Credit Reporting in error for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX due to break in service by Navient and unfair and unjust lending service and standards. Navient broke service failing to notify co-signor of loan amount due and status of loan, due to data base error on Naviet 's part during the time period of XX/XX/XXXX - XX/XX/XXXX. Navient had a database error and replaced current address co-signor provided and requested she be notified at, with old XXXX address resulting in co-signor not being promptly notified regarding student loan payments not being made in full. Navient in error replaced the co signors current address on file, with a XXXX address file from when the co-signor was a young girl with a SallieMae student loan outstanding, which was paid off in full prior to co-signing the military veterans loans. Naviet sent personal loan information to an unauthorized address instead of the address provided to the lender by the co-signor and caused a negative credit rating for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, as well as, undue risk to the co-signor. Once co-signor was made aware of issue co-signor promptly took action and put loan in good standing. Loan was being paid on during period of concern by borrower. Negative credit reporting on co- signors credit for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX should be promptly reversed due to break in service error by Naviet . Navient had good address on file for co-signor and co- signor made every effort to correspond with lender at all times. Navient broke service with co-signor regarding the financial product during the period of XXXX XXXX XX/XX/XXXX although address was readily available listed under co-signors social security number with Navient . Do-signor was always willing and able to pay on the loan cosigned which generates substantial income for Navient at a 4.5 percent rate. In addition, Navient Student loans cosigned were being paid on, small amounts of payments were being made by military person and his wife during the entire time period concerned. Family with XXXX children did their best to keep the loans in good standing while undergoing financial hardship. Once I was made aware of issue I immediately took action to pay on loan and put it in good standing. Co-signor has excellent credit otherwise and pays all bills at end of month, no other debt outstanding.
Predatory Loan with Franklin Credit took a XXXX loan out XXXX 2006. Paid a total of XXXX on a XXXX 15 year loan. The Principal on this loan has not gone down. Still owe XXXX the original interest rate on this loan was 13.750 % the interest rate and the monthly charges fluctuate.
I have a a unverified account from CMI # XXXX. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request CMI that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I just received a call from XXXX XXXX starting I owe an outstanding balance of {$1400.00} from a payday taken from western sky back XX/XX/XXXX, I advised them I have been making payments to Delbert Services for a settlement that was agreed upon in regards to this loan. They told me the loan id is not the same and it XXXX be a different loan. XX/XX/XXXX I was advised this loan was sold to XXXX XXXX ID XXXX from Western Sky and I made two payments on XX/XX/XXXX cash call sent this to Delbert Services ID XXXX and they have been debiting my account for almost a year to satisfy a settlement reach with employer XXXX XXXX. Now XXXX XXXX also known as XXXX XXXX XXXX is trying to collect. Both Western Sky and Delbert services is gone out of business and I can not contact them due to legal issues and the supervisor at XXXX tells me they sold the loan to XXXX and I advised them apparently the wrong acct number was sold and they trying to collect on an incorrect balance.
Greetings - I have been attempting to clear an item on my credit report that was reported by Citicard. It took me 3 weeks and XXXX phone calls to Citicard to research this item that was not recognizable to me. Citicard repeatedly told me they did not have any information on my account and to call back later. I continued to call Citicard back repeatedly and continued to receive the same statement. 

Finally, on the XXXX call, I pushed to speak to someone else and was finally turned over to Citicard 's Internal Recovery Dept. At this point, I did not have the time or energy to purse this charge as a fraud as I am in the midst of applying for a mortgage loan. I told the Citicard associate that " I just want to pay off the debt ( the outstanding balance was minimal, {$260.00} ) so that I could close this issue. '' She told me could pay over the phone, then call back in 15 days to get a zero balance letter. I said I needed the letter sooner, can I call back once the check had cleared. The associate responded yes. 

( BTW- it is ridiculous that I have to initiate a call instead of them automatically sending me the letter once the debt was cleared. ) I validated the payment I made to Citicard cleared my bank and called back 4 days later. I was then told that I could not get a Zero Balance Letter until 15 days had passed from payment. I stated this was NOT what I was told by the Citicard associate who accepted my payment. 

I clearly and specifically asked the associate who took my payment if I could call back once the payment had cleared and get the letter, and she said yes. This morning, I spoke to XXXX associates who refused to send me a letter. The XXXX Citicard associate admitted ( XXXX was her name ) I was given erroneous information by the Citicard associate when I made my payment. 

During each phone call ( XXXX in all ) Citicard attempted to collect personal data from me ; phone number, email, place of employement, etc.. I refused each time. But Citicard continued to request that I update their information on file. 

Please note - I am not entirely sure this was a valid charge on my credit report. However, given the low amount outstanding and my need to move on w/ my mortgage application, I chose to pay off the debt. Had I not been under a time constraint, I would have fought this charge.
Two unpaid XXXX cards are listed as mine, while they belong to a soon to be ex-husband. Two names appear as mine, but one of them is a 20 year old maiden name -I do not have any more. I do not carry over balance from month to month unless the credit card ' computers were down when I tried to pay on the phone person to person. 
3 problems in all, counting 2 erroneous XXXX as one problem. 
In the past and presently I have hackers ( my ex and his sister ) who break into my computerized records and creates havoc.
My student loan provider uploaded a PDF to my account that was supposed to provide me with tax information. They instead uploaded a blank PDF template with no account information on the document. I have contacted consumer service three times now, and they still do n't understand what I am saying, despite being quite clear and even providing an image of what I am talking about ( the second time ). The first time, the response I received was auto filled information on how to download a PDF off the Internet. I responded my telling them that I am perfectly capable of downloading a PDF off of a website, but the PDF does n't contain the information that it should contain. They responded by telling me the summary statement amount in the email, but still did not update or send me a PDF. The third time, they simply told me " Your tax information has been updated and is now available online ''. When I logged in, the PDF was STILL blank. I need the PDF information, not just the numbers.
I have lodged disputes with XXXX XXXX, XXXX, Barclays and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
I had a home warranty with XXXX XXXX XXXX. I have maintained the warranty off and on since I purchased my home in XX/XX/XXXX. The last series of claims were handled very poorly, with problems continuing to persist. A complaint was made to XXXX and I was told repeatedly that it was due to a high employee turnover at the time. As for the service ... It appears they bandage mechanical issues, rather than repair the source ... causing ongoing issues, creating more revenue from deductibles. I decided I needed time to shop around for another home warranty before I paid any more premiums. I was under no contract, and was told multiple times, over the course of the business relationship, that a cancellation notice was never needed. If I no longer wanted their services, I simply stopped paying. That is what I did. I received a letter from Nationwide Credit , Inc stating that they are collecting a debt of {$180.00} from XXXX XXXX XXXX! So XXXX continued to bill be for FOUR MONTHS, then turned it over to collections. I have had ZERO claims since the last series that was handled so poorly in the fall of XX/XX/XXXX. This is a complete racket!! I should not owe this amount. And if I do n't take care of the " debt '', my credit score will suffer. That I can not afford ( a drop in credit score OR the debt ). I am a single mother with XXXX children, receiving no support from the non-custodial parent or anyone else, just recently in XXXX from XXXX XXXX XXXX XXXX XXXX ... ..I should NOT owe this debt. When I have tried to contact their billing department, the recording says the wait time is greater than one hour. Not surprised, considering their new business practice. When you try to contact their SALES department, there is ZERO wait time, but they will not answer my billing questions. This home warranty company needs to be closed down. Please contact me to discuss my options. 

XXXX XXXX XXXX Contract ID : XXXX ( XXXX )  XXXX Nationwide Credit, Inc Account Number : XXXX ( XXXX ) XXXX
My bank, First National Bank, did a security update on XXXX and XXXX. After the 30 minute long security details, I went through the long security process. When I tried to log on to my account I had no idea which of the many security numbers I should use. My account was disabled after I tried to use the different numbers. The message said to call the XXXX Customer Service number. It was busy all day on XXXX and XXXX I can not access my First National Bank account.
There is a derogatory mark on my credit due to the following issue that never should have been sent to this agency : I am writing to submit a claim against XXXX XXXX XXXX XXXX in the amount of {$790.00} for a medical bill for my daughter that was sent to them in error. I have never received any written communication from the company in regards to this debt nor have I ever received a call. The debt was taken on consignment from XXXX XXXX XXXX, a billing company for XXXX XXXX XXXX located in XXXX XXXX, New York. I contacted the company on XX/XX/XXXX of this year after pulling my credit and seeing the derogatory mark. Upon some investigation I have found out that this debt should never have been sent to the collection company and I would like to dispute it.
When I took out the loan, I was told that I'd be able to reamortize the loan if I made a substantial payment on the loan. I made a substantial payment on the loan ( over 50 % of the principal ) and called to ask to have the loan reamortized, when I was told this was not possible.
First, this company ( state Collection ) is reporting multiple amounts on my credit report from the SAME medical office. XXXX XXXX XXXX is the original creditor. I have been paying them XXXX small amounts and filed for financial assistance in XXXX, and again in XXXX. NEVER heard back. The next thing you know, I see that State collection has me reported for the following amounts on my credit reports. - {$970.00} - {$610.00} - {$430.00} - {$200.00} - {$180.00} - {$150.00} - {$110.00} - {$86.00} - {$70.00} What XXXX does is they bill you one large amount on one bill. As you pay it down they apply the money to the MOST RECENT date of service then they charge off each date of service separately to make it more of a hit on your insurance. I applied for financial assistance. I am on XXXX. I am struggling. I do not need this from either State Collections or XXXX. Please investigate this as this is how they operate. I do not agree with these dollar amounts. I ased State Collection for a DETAILED statement when I got a letter from them as I did not agree with it. No response at all. Now it is all over my credit report on 9 different lines! This needs to be removed off of my credit reports and XXXX needs to respond to my financial assistance request. I am attaching a debt validation letter mailed to statewide collections on XXXX/XXXX/XXXX
XX/XX/XXXX XXXX account need to be removed from my credit report this information is incorrect- XXXX  XXXX XXXX XXXX XXXX account need to be removed from my credit report because this account is inactive - XXXX XXXX/XXXX XXXX XXXX XXXX account need to be removed from my credit report it has been past 7 years - XXXX/XXXX XXXX XXXX account need to be removed from my credit report - Medical bill was paid after the insurance dispute. XX/XX/XXXX XXXX account need to be removed from my credit report this account is past 7 years - XXXX/XXXX XXXX XXXX account to be removed from my credit report this account has been inactive - XXXX/XXXX