WillisBack/dataset-financial-user-claim huggingface dataset:
My Wells Fargo credit card is currently past due and over the credit limit. I do not currently have the funds to make the payment and am waiting until I get paid again to bring my account back in good standing. Wells Fargo card services has repeadetly called me to the point of harassment and has not given me an opportunity to speak with a representative in order to inform them of payment intentions or request that they stop contacting me. I have documented below all of their calls that I have received within the past 7 days. 
XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX This totals 18 calls in the last 7 days. Up to 5 calls per day. 
I have received 2 letters in the mail regarding this same matter. I have made 5 different attempts to contact Wells Fargo Card Service at the phone number ( XXXX ) XXXX, ( not including the attempts that I made when answering these harassing phone calls ), and one attempt to contact Card Services at their regular customer service phone number ( XXXX ) XXXX, in order to inform them of my payment intentions and request that they stop harassing me since I am well aware of the debt that I owe. All of my attempts have been unsuccessful. When I ask to speak with a representative I am told by the automated system that my call is being connected to a representative, however the line then goes silent and after holding, the call drops. I will be submitting a written request by mail that Wells Fargo Card Services immediately stops contacting me regarding this matter.
I have  XXXX  entries on my credit report for the same student loan with the  U.S. DEPT OF ED - DIRECT. These loans were transferred to :   XXXX   several years ago . As of today   XXXX   XXXX   XXXX  , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferre d to one comp any  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those  XXXX  entries that are dated as far back as far as   XXXX   XXXX   XXXX   on my report.       old company  Creditor Contact Details U.S. DEPT OF ED - DIRECT    XXXX   XXXX   XXXX   XXXX  , TX  XXXX  (  XXXX  )  XXXX  transferred to : Creditor Contact Details  US DEPT OF EDUCATION/  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , WI   XXXX   (  XXXX  )   XXXX
On XXXX XXXX, XXXX I went on XXXX to book a hotel on XXXX XXXX. Like on most of the websites you search for the place you want to stay and dates. After I got the confirmation Email I noticed that the hotel they booked me was in a completely different XXXX Island that I didnt search for. I called XXXX to get this resolved and they answer was simply that they cant refund anything. Causing me for that reason to book my XXXX trip with XXXX for pretty much the same amount using the same credit card so i can prove lateer on to citibank what XXXX did. So I went ahead and file a complain with Citi bank on the credit card they charge me to get this fraudulent transaction reported. After a month I received a letter from Citi saying that they reverse the transactions because XXXX simple response and said that my transaction was not refundable. This is stealing consumers money, plain and simple. I feel betrayed by Citibank which i been with them for many years. 
Date XXXX/XXXX/XXXX Ammount {$1400.00}
I contacted TransUnion recently to dispute a trade line entry in the credit report TransUnion compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. TransUnion indicated that the dispute would be investigated and a response provided within 30 days. TransUnion closed the investigation without addressing the substance of the dispute ; rather TransUnion performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that TransUnion allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; TransUnion facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. TransUnion has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. TransUnion 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!
I paid the debt with a settle offer. Please help me remove it from my credit report because I am trying to purchase a home and this is slowing the process. Thank you for your help.
I have had a financial hardship and have filed for a loan remodification. Since I have filed for a loan remodification I have requested other information to be mailed and emailed that I have not received. I have also had problems every time I call them and can never get through to speak to someonethat is handling my case. My options are to leaves voicemail and wait for someone to call me back within 24 hours and i still do not receive a call and I 'm always having to call back and speak with someone that is not assigned to my case/loan, which is frustrating and time consuming. As of now I am facing foreclosure and am required to vacate my home within 5 days.
I contacted Dynamic Recovery Solutions who is collecting on behalf of XXXX XXXX XXXX. I spoke to a XXXX XXXX. Upon I asking for proof of debt, proof that they are licensed and bonded in my state she began to get annoyed and very nasty to the point that when I asked to allow to state that I was requesting certain documents for the record she stated that she does't have listen to me and hung up. AT no point was she able to tell me the date of first delinquency, license number, she basically only wanted to collect money. She never informed me that I can dispute this information. I then was upset and called back and spoke to customer service supervisor XXXX XXXX. I explained the situation and that I wanted her to correct XXXX XXXX conduct and how she violated my right under the FCRA. I also informed her that I was going to file a compliant with the FTC and CFBP.
On XX/XX/XXXX, in response to a prior complaint, I was given a credit in the amount of {$410.00}, for unauthorized charges on a credit card account. However, the charges appeared on my account in XX/XX/XXXX and in XX/XX/XXXX. The charges accrued interest throughout the time the account was open. The XX/XX/XXXX charge would have accrued approximately {$120.00} in interest, and the XX/XX/XXXX charge would have accrued {$120.00} in interest throughout the life of the account. 
Furthermore, in the response I received, the past due balance on the account is {$1600.00}, however, in the statements that I was furnished by the representative, the final balance on the account was {$1500.00}. 
When the final statement balance of {$1500.00} is credited the {$410.00} and the approximate interest of XXXX, the balance would be {$860.00}. 
Also, due to the amount in dispute, and the interest charged, had it been applied to the account, would have been enough to cover monthly payments for the final 9 months that the account was open ( and prevent the subsequent 9 late fees ), I would also dispute the {$300.00} in late fees added to the account beginning in XX/XX/XXXX. 
Which would leave a balance on the account of {$550.00}, that I do not dispute, and would be willing to repay immediately. But I require the corrections made to my credit report to show the fact that this account is paid as agreed. 
Currently, the balance reported to Experian is {$1600.00} as of XX/XX/XXXX which your own statements prove is inaccurate. The balance being reported to XXXX is {$1200.00} as of XX/XX/XXXX.
I have disputed an error for an account that I had with XXXX XXXX credit card with equifax, XXXX & XXXX. I have provided a copy of the check that I paid the account in full to both the credit bureau agencies as well as XXXX directly several times and yet this account is still being reported as late and not paid. Legally they are obligated to correctly report the right information and they refuse to.
Today i checked my credit report to find a new inaccurate balance owed to PENN CREDIT CORP for XXXX, i never did business with or had any interaction with Penn Credit Corp. They stated that they are collection agent for XXXX XXXX XXXX, i don't believe i owe them any money either. i am very speechless to find out that XXXX allow anyone to just add negative items to my report for whatever reasons. I will like complete proof and breakdown of how i own such amount, with a signed contract bearing my legal signature, proof of billings statements. I kindly ask Consumer Bureau to really investegate on my behalf to find out what's really going on because my family and i can't continue in this circle of uncertainty, with the mindset that at any time anyone can put whatever negative items on my report without legal rights or proof to do so.
One day I noticed late payments from Navient on my credit report. I immediately contacted Navient regarding the late payments and balances reported on my credit file. I even requested my promissory note and original documents, but was told that they did n't have them on file. Ultimately, Navient removed the late payments from my credit reports. However, the balances, which are extremely high, still reflects on my report. Navient did not remove these balances after learning they were in error by reporting them on my file in the first place, because my records showed that my student loans were in forbearance at that time. This has been very damaging to my credit due to the high balances of my student loans. In addition, Navient have failed to provide me accurate documentation reflecting those balances. I can say that my student loan balances have increased substantially after being transferred from XXXX XXXX to Navient. I 've complained about it to Navient but was told it was merely interest. My response was, " this is an unethical amount of interest. '' In closing, I feel like I 'm being ripped off. I feel that Navient is mishandling my loans. I 'm not even sure I owe what they claim I owe. How can I find out what is accurate and what is not? My hands are tied here. I do n't know what else to do. Can something be done about Navient?
I had thought that my student loans were deferred. I applied for that when I had to take off for family illness. 

I did n't hear anything until I got the paper that they were taking my tax refund. I had no chance to review or dispute or even to make a payment arrangement. 

This puts our financial situation at risk. We needed that return to catch up on bills. 
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I have checked my credit report about a year ago and noticed that this there was an account by Allied Collection Service that is not mine. I disputed this account with the credit bureaus, also I sent certified mail to the Allied Collection Services to validate this debt. I had received a notice from experian stating the accounts was updated. However, the update not only included the same false information, but also showed the account was not listed in dispute. I disputed this account again with XXXX and again, the accounts were shown verified with the same information.
XXXX  Chase offered a card with free points offer. Their representative told me the fee for the card would be waved for the 1st year. I went into specifics with their rep on how long i had to keep the card to get the points I was told i could cancel after 6 months and receive the points Much to my surprise Chase billed me a {$95.00} annual fee I disputed this charge ... .and appear LOST in their system They called me and told me they were escalating looking into this Many cards wave 1st year fee. And I was told by Chase this card would as well. It even stated that in their online advertising at the time I applied This is a matter of principle even more than this fee If Chase told me the 1st year fee would NOT be waved, I would never have requested this card Chase obviously shows little concern for their customers. I would do business with other banks before dealing with Chase again
I had to borrow money from a payday loan-title loan from Cash Max to get my car repaired, because my credit was n't good enough to borrow from a bank or financial institution. I just want to know how they can charge the fees they charge each month. I can only pay {$300.00} a month, and {$270.00} goes to fees. I have been paying on this loan since XXXX 2016, and I have only been able to pay a couple XXXX dollars on the principle. The original loan was for {$3100.00}. I am sending you a copy of the XXXX payment for you to research. I do n't know if there is anything you can do to help me, but I have paid {$2400.00} toward the {$3100.00} original loan, and you can see what I still owe. These companies are ridiculous. I borrowed the money from Cash Max, but the actual lender is XXXX out of XXXX, OK.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 'm writing in regards to XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, XXXX. 

My son left the apartment in XXXX, XXXX. Working with XXXX . XXXX XXXX, Senior Leasing Consultant, at the time, they agreed the apartment complex would keep his deposit and the rent for XX/XX/XXXX in return for letting him leave the apartment at the time. My son did not get anything in writing from XXXX XXXX as he trusted her to keep her word. 

Now I understand there is a notation on mine and his credit report that an amount is owing to the apartment complex due to his leaving prior to the end of the lease. 

I know XXXX XXXX was sold to other owners who put the bad debt on our credit reports. 

I would like this matter cleared up very quickly. 

I can be reached at XXXX during the day or at XXXX after XXXX XXXX here in XXXX.
This debt belongs to XXXX. We were separated for 2 years and in divorce preceedings prior to her getting medical services for her XXXX with another man which was deemed to be her and the fathers debt by the court. 

The court ordered that all debt from this XXXX be paid by XXXX. 

The court order preceeded the debt collection. 

Some how the debt collection agency is allowed to put a collection debt on my credit report. After speaking with the collection agency, they are unwilling to remove this debt from my credit reports even though mine and XXXX divorce is final and I 've received notice that the funds in our divorce trust will be released which includes the {$300.00} for XXXX medical debt.
My mother had need of a vehicle but had insufficient income to make the initial purchase and I was brought on to cosign for the loan. Regrettably, my mother recently passed. After attending to the essential needs of the state, I voluntarily returned the vehicle. As a cosigner to the loan, I understand that this is my financial responsibility to pay the balance of the vehicle loan. 

However, I have a complaint with the collection agency that was hired to handle the account. When I received notice in the mail, I promptly contacted the agency. After feeling strong armed into a payment which undermined my financial stability, I offered to mail them a payment. They strongly discouraged this as account transfers were more efficient. I did n't feel comfortable with this but agreed in an effort to take responsibility for this. They then alerted me that they were going to take {$100.00} a month out of my account. I did not agree to this payment but they said that they were going to. At this point, I had to close my account.
XXXX XXXX has an 60 Month installment loan with XXXX XXXX XXXX XXXX open on XX/XX/2018 to present that is paid as agreed on monthly basis. My Equifax credit report is reading a XXXX XXXX XXXX XXXX revolving loan instead of 60 month term installment loan, because it is missing 60 term on loan in the correct box under terms duration. Please update and correct my XXXX XXXX XXXX XXXX XXXX from revolving credit loan to 60 month term installment loan with Equifax, XXXX, and XXXX. For the months and duration of loan, it is missing 60 month term in correct box, Please add 60 month term to this loan in the correct box. XXXX XXXX states problem is with Equifax. Equifax states problem is with XXXX XXXX. XXXX XXXX XXXX just wants info corrected with both Equifax and XXXX XXXX XXXX XXXX.
I entered into a written contract with XXXX XXXX who then sold it to Santander consumer usa. In the contract is states on the back that, " Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of debt including promises to extend or renew such debt are not ENFORCEABLE. To protect you ( borrower ( s ) ) and us ( creditor ) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, EXCEPT as we may later agree in writing to modify it. Santander breached this agreement when they offered me deferred payments without modifying my contract in writing. I will be mailing another copy of my contract via usps when i receive the hard copy complaint form in the mail. I am unable to upload a copy to attach to this form. I DO NOT want to be contacted via email since I never received a reply from my first complaint. To keep this from happening again i prefer to receive all contact by regular mail.
XXXX, TransUnion and XXXX  credit reporting agencies are showing a balance of {$5000.00} with my prosper account. This prosper account has been paid off and the balance should be {$0.00}. I contacted both credit bureaus several times and they have not corrected this problem. Both credit bureaus are in violation of the federal fair accuracy act. I would like my prosper account balance to be corrected immediately.
Bank of America sent me this FRAUDULENT DOCUMENT : IRS form XXXX for XXXX. 
How do I know if is fraudulent? It is because Bank of America has not held my primary mortgage loan since XXXX XXXX, XXXX. 
See letters attached from BofA dated XXXX, XXXX, and from XXXX dated XXXX/XXXX/XXXX I never received any money from BofA, or any correspondence from them ever. I never was awarded any loan modification. I was never paid any refund or credit, nor notified of any overpayment of interest. 
The outstanding principal information on the form is not correct as recorded. 
I had applied to the Bank of America on XXXX XXXX, XXXX for mortgage assistance on loan # XXXX ... .. due to financial hardship. Instead of replying to my application, without warning, they sold my loan. 
On XXXX/XXXX/XXXX I called I called, four times, the customer service number on the letter XXXX and got the following explanations and responses : This amount was from a loan modification ( I responded " I did not get any loan modification '' ) The amount was missed on the XXXX tax statement ( my loan was sold in XXXX XXXX ) The amount reflected overpaid interest in XXXX The amount was missed on the XXXX tax statement XXXX received overpay It is a write off on taxes I requested that they send me XXXX and XXXX tax records I was transferred to the YEAR END DEPARTMENT ( XXXX ) in order to get an explanation on the tax form. I was told the following : something was mentioned about a " post modification bank '' I questioned what this was and was told it was about my loan modification I told them that I never got a loan modification and that my loan was sold XXXX XXXX. 
The person I spoke with said it was to my benefit, and was all good. And, that I just have to give the form to my accountant. 
I questioned this as the form represents income I never received. 
I went to the IRS website to research the form XXXX and saw that it represented a payment or credit. 
I made my FOURTH call to customer service and I talked to someone named XXXX who reviewed my earlier calls. She set up an inquiry and gave me a case number
On XX/XX/XXXX I initiated an investigating on my credit file Experian keeps. I never received a response. I again wrote them several times and still didn't receive a response on the file in-question. After my seventh letter, I began to keep a record of Dates, shipping info, and receipt. On or around the XXXX of XX/XX/XXXX, I sent in my 7th letter in because I finally got a response from Experian stating my account was verified. My response at that time, was for them to provide me proof that this filing exist with my signature, and if not to delete the file immediately. Nothing was received, I again sent another letter on or around XX/XX/XXXX. Now at this time, Experian not only broke several violations stated by law, but Experian hasn't even begun to visit the reason for my dispute. 

The account was opened XX/XX/XXXX ... Federal and State statute of limitation has already expired. Also the mere fact Experian hasn't respond to my issue initially, is another grounds for deletion. They are illegally reporting an account which should not be on my credit file, thus causing my credit score to be even lower. I '' ve even tried disputing one last time on Experian 's on Website XX/XX/XXXX & XX/XX/XXXX and was denied, stating " You have previously disputed this item. We are not required to process a duplicative dispute ''. I have included copies of everything I've stated attached to this complaint.
In XX/XX/XXXX I opened my XXXX XXXX Visa Infinite card with Chase Bank NA. On XX/XX/XXXX I was charged a {$450.00} annual fee covering 12 calendar months per the terms and conditions set forth by Chase. <P/>On XX/XX/XXXX Chase Bank NA sent me a letter that they had closed my XXXX XXXX Visa Infinite card ending in XXXX due to 1 ) Rapid increase in revolving balances, 2 ) Too many accounts opened recently and 3 ) Too many requests for credit or / reviews of credit. All my Chase Credit Card 's have had a {$0.00} average balance just like my cards with other banks. I have also not broken any of their Terms and Conditions. <P/>Chase Bank NA has refused to re-open my account or provide me with a pro-rated refund of my {$450.00} annual fee, since I was only able to use the card for less than 6 months I do not find it fair to be charged the full annual fee.
Someone opened up an account in my name that I never did I 'm only XXXX and never had an account before
BMW Financial Services claims I owe a payment on a closed account for a vehicle that was totaled on XXXX XXXX, 2016. The other party 's insurance company, XXXX, paid off the vehicle less an amount of around XXXX, do not have exact number available to me. A GAP claim was made with XXXX, the company handling the unpaid portion. However, claim was denied for various and inconsistent reasons, all bogus. I called BMWF today to discuss another account with them, call was transferred to another dept that did not pick up, this dept handles the account in question. I believe Ive spoken with them before and they were told I refuse to pay a dime on the account as the vehicle is totaled, GAP claim was denied for various and inconsistent reasons, all bogus. I understand the account is in my name, however, they have been told I refuse to pay numerous times before and were directed to XXXX and or XXXX for payment. In closing, please advise BMWF I again refuse to pay a dime on the account and to place a cease and desist, any and all payment inquiries should be directed to XXXX, claim number is XXXX, they can also call XXXX, do not have their claim number available.