WillisBack/dataset-financial-user-claim huggingface dataset:
I called Navient on XXXX/XXXX/2016 to put my private student signature loans on forbearance because of unemployment and was told to call on XXXX/XXXX/2016 - five days after the due date for the student XXXX loans. I called today ( XXXX/XXXX/2016 ) and the woman who first helped me put me on hold and the call was dropped after 5 minutes. I call back and got a man who said my loans were up-to-date and I did n't need to request a forbearance until the XXXX. I told him that I wanted to do it because it 's pass the due date and I see payments were coming due. Then all of a sudden, the call disconnected.
I had a lease with GM Financial which was expiring in XXXX 2015. Beginning in XXXX, 2015 I received numerous calls and letters from GM with several offers to return the car earlier than XXXX and leasing a brand new vehicle. I accepted an offer from GM in XXXX, 2015 and returned the car and leased a 2015. The offer I accepted was GM would cover XXXX lease payments up to {$3000.00} and XXXX cash allowance towards new purchase or lease. I owed XXXX payments to GM@XXXX totaling XXXX which was well below the XXXX max. It is now XX/XX/XXXX and I keep receiving invoices, phone calls, etc from GM requesting the remaining payments on the original lease and late fees. I have called GM and the dealer, XXXX 's Buick in Massachuetts and both keep responding that all is ok so why do I keep getting these invoices. My perception is GM is not honoring their commitments and overcharging their customers.
I have been a victim of identity theft and tried correcting my information with the credit bureaus. They told me to get a notarized affidavit, send them my driver license and social card ; which I did. I have been dealing with them for the last year and it gets so frustrating how I get denied for everything I apply for even though I am a very responsible person. As a matter of fact, I have kept all of my correspondence with them as proof that I have sent everything that they asked from me. I called several times as well. I have had notarized my affidavits and police report twice already but up to now, the accounts are still on my report which is barring me from having a decent credit score.
On or about XXXX XXXX, 2017, I transferred balances from Capital One credit card to another bank due to their unfair, exorbitant APR. The bank in turn issued a check to pay off balance to Capital One. I called Capital One after I went online to view my account and verify that they had received the payment and it had been credited to my account, bringing the account to a " XXXX '' balance. I asked them to " CLOSE '' the account. The account is showing " Closed '' online when I go in to check my account and verify that it 's closed. However, Capital One has " refused '' to notify the 3 credit reporting agencies. The account is still showing " Open '' with a balance over {$6000.00}, at all 3 credit reporting agencies, XXXX, XXXX, and XXXX. I have spoken to Capital One and they have given me the " runaround '' treatment, putting me on hold over and over, and coming back with some nonsense about why this problem might be happening rather than admitting that they never informed these 3 agencies that my account is closed as required by law. This is typical Capital One tactic, angered that they can no longer " suck the life out of me '' with ridiculously high interest. Very unsavory, unethical, underhanded company. Also spoken to XXXX, faxed closure verification retrieved online. Submitted " disputes '' at all 3 agencies.
This company has has reported wrong information on my credit file one date says XX/XX/XXXX XX/XX/XXXX this comany is no longer in good standing with the state of maryland i have attached copy md records to show this
My private loan through US bank was forgiven last year. I just received a letter from them saying I was in default and that if I paid a lower amount now they would n't send me to collections. When I called them, they immediately told me it was a mistake and to disregard it. The lady I was talking to would not give me her name. I also asked for them to send me a letter showing it was a mistake which they will not send me. My concern is that they are doing this to others who will just pay the lower amount without realizing it is false.
Received calls from " Bryant Bryant and Associates '' stating that I owe money on a bounced {$500.00} check from 2010. Never happened! The bank and account number they gave me was either fake or belonged to someone else. I asked them to send documentation and they refused, saying they did n't need to provide documentation. The woman on their end became very pushy and belligerent. I did not give them any information, and I clearly stated that they were not to call me anymore. They tried again anyway. I have now blocked their number on both my home and cell phones.
I contacted Mariner to confirm that I was paying the balance showing online. When I contacted the company speaking with XXXX, he indicated he would call me back soon as the computer was down. Well, a few hours later, no return call. I called back and though it was working hours, I received a voicemail and left a message and still no call that day or the following day. I got online to go ahead and pay the balance in which I initially saw upon calling was a little over {$2800.00} Well, a few days later, the balanced had increased approximately a {$100.00} dollars and the balance now was {$2900.00}, I did not understand the massive increase and when I called back and spoke to XXXX, he was telling me an amount that was not showing online. I informed him about the increase of the {$100.00} and he could not explain why the balance had increased that much and he claimed he was not seeing the amounts in which I was stating was on the account upon logging on. Well, when I reluctantly paid what was displayed for the balance, {$2900.00}, it then shows me that a remaining balance on the account that was not in the balance showing, it was {$120.00}, which made me pay {$3000.00}. I do not agree with this as the payoff balance as the account should reflect a real time balance and XXXX could not justify why this was not the balance on the account. I requested a manager and XXXX, indicated he was the manager of the store and which he is a poor representation for this organization. I called the corporate number ( XXXX ) XXXX to discuss that the balance that was showing on the account as a payoff, is not the amount that I paid, I paid more. left two messages on their voicemail and no return call. I also wanted to inform them that XXXX did not call me back to discuss the account as he indicated he would which cause me to pay even more than the {$2800.00} hundred that the account was originally reflecting as the balance as per my initial contact. When I called back, he could not tell me why it had increased over a {$100.00} for the balance, then he could not tell me why it was asking for more money when I paid the balance that was then showing of {$2900.00} then still telling me that {$120.00} is due to pay off the account which I paid. XXXX is not knowledgeable and is a poor representation of the company
On my XXXX and XXXX credit report, A credit collection agency is reporting a Two debts ( {$720.00} & {$280.00} ) that was included in my bankruptcy as collection accounts and money that I still owe. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed.
I disputed a collections account from XXXX XXXX with XXXX on XXXX XXXX 2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.
Midland Credit Management , Inc would repeatedly call me and also hang up on me when I would describe my current situation on why I could n't pay the full balance that day. I was trying to work out a monthly payment to have the debt satisfied. After they hung up, another associate would call me about an hour later stating that no one else called me and that I must be lying. After having 5-10 calls some days it got rather annoying. I finally got a letter from this company and I settled this account but the problem was I was trying to settle this account in monthly payments 2-3 months prior. The associates I was dealing with during that 2-3 months was rude and hard to even get my account satisfied. I believe they did that on purpose so I could n't try to get my credit back on track.
I requeated to be put into a income based repayment program in my annual renewal for this type of loan. It was brought to my attention that there was a particular plan that would lower my oayments based on my income, and that it would require me to prove my annual income by uploading a pay stub to probe my annual income. In the course of doing so I was told that my loan would be put in forebearance while getting this done. I was later informed that because all of my information was not on one page that I would need to resubmit to prove it was actually my income information. I didnt have a computer at the time, and my company, XXXX did not report the income info in a way that could be screen shotted to upload as a single page tying my name at the top with the rest of my screen shot of subsequent reporting. I attempted to upload it again. And again was told it eas not adequate. I finally printed it out and screen shotted it on one page and reuploaded at work were I had access to a printer and comouter so I could format it in an acceotabke way. As my second forebearance was running out I called in and was told that the upload team was unable to upload my document, even though I received a message when it had uploaded, like the previous multiple uploads, that it had uploaded successfully. So I uploaded it again while on a call with Ed Financial. Same way. Same document. This time I was told I would need to take out another forebearance to cover more time needed to process the document.
Ever since my mortgage was transfered to Ocwen always had problem with this company. the latest is about last week XXXX/XXXX/2015 I send this company XXXX payments of {$5000.00} dollars and another payment of {$530.00} via electronic transfer to be applied towards my Principal balance. Before I make transfer I called the company and instructed them to apply all this payment towards principal and they should continue to take my monthly mortgage according to automated Periodic payment I have set up few years ago. They assured me that they do just that. As I was tracking my payment, I noticed that they have not applied all the payment and they have taken XXXX payment of {$530.00} for months of XXXX and XXXX despite them assuring me that all payments will be applied towards principal. Since I discovered this, I have call them on XXXX separate times and every time they can not confirm definitely the will do just that. I have never been late in my monthly mortgage payment ever and I do n't accept this behavior and mismanagement with my money.
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 )  Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I called the National Consumer Telecom & Utilities Exchange to place a security freeze on my data report. They said they could not locate my information. I need to have an immediate security freeze placed on my data report, because of the XXXX  breach, someone could open a cellphone or internet or cable account in my name without my authorization.
I had a 0 % interest offer from Citibank, for which I paid a 5 % upfront fee. They then charged me interest on their annual membership fee ( {$0.00} " minimum interest charge '' in XX/XX/XXXX and {$1.00} " interest charged to standard purchase '' in XX/XX/XXXX ) despite the fact that I paid more than the annual membership fee balance by the due date the next month. They said that because I had a " rotating balance '' they charge interest on " new purchases '' from the date of purchase until it is paid off. 

This does n't seem right to me, since if I had a XXXX balance with them, and paid off my balance within one month, they would n't charge me any interest. It 's only because I had a " zero interest '' balance with them that they charged me. That does n't sound like zero interest to me. I do n't think they should be allowed to do this. 

I realize that in the scheme of things, this is a very small matter and amount, however, if they do this to hundreds of thousands of people, the amounts can add up quickly for the bank. This should not be allowed.
Dynamic Recovery Solutions claims I owe XXXX to XXXX XXXX, this account was paid prior however the balance was significantly lower. The account was paid via money order, it was mailed years ago and it appears it was lost in the mail or applied to wrong account. The balance of XXXX is ridiculously high, it appears additional bogus fees were applied by Dynamic Recovery Solutions which I refuse to pay along with any supposed balance they claim I owe.
This is regarding a {$360.00} charge from XXXX XXXX on my Chase credit card. I showed XXXX XXXX my credit card as part of the check-in process, did not authorize any charge on the card, and was surprised by a {$360.00} check-in fee on my account. 

I contacted Chase three times to attempt to resolve this. Chase has told me that because I physically showed someone my card, they consider that valid authorization for the merchant to charge any amount they wish on the card, as long as the merchant provides some sort of good or service. The fact that showing a credit card to check in at airports is a routine, non-transactional occurrence does not matter. The fact that the surprise charge is 150 % of the value of the original ticket does not matter. The fact that I never authorized or signed for the charge does not matter. The fact that I was not given the chance to approve or decline the charge does not matter. Simply presenting the card is considered authorization for the merchant to charge any amount, and Chase will consider it valid.
XXXX XXXX has names thats not me on reports also open account from XXXX XXXX date open shows XX/XX/XXXX is incorrect XXXX has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX 3 one is yes companies E open XX/XX/XXXX not showned validate for that i well on experian shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting
This company is doing fradulent activities. They sign disclosures for borrowers on their own. They ask you for the login and password to acknowledge CD if you are unable to do it yourself online.
To whom it may concern : I am writing to dispute the information reported on my credit report, regarding XXXX Bank Student loan. I have already contacted my creditors and no changes have been made. I have been making payments to this creditor, in the amount of XXXX dollars monthly, for a year. They do not report my payments, or the account correctly. They report that I pay XXXX dollars monthly, when I was previously paying XXXX dollars. The XXXX creditors do not report this account correctly. 

All XXXX creditors provide XXXX different monthly payments made towards my debts and different amounts owed. I have contacted them many times to remove erroneous account but they have not corrected this error. 

My name has also been an issue. I have been linked with my mothers name, so many times I changed it. The only names I have ever used where XXXX XXXX, XXXX XXXX, and my current legal name, XXXX XXXX. I have never used XXXX XXXX, that is my mother. I am incorrectly reported to have used the name XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX and this needs to be removed from my record. I have contacted the XXXX creditors and provided them with legal proof and yet I am still receiving mail with incorrect names. I also can not change my address through the post office as it changes my mothers mail, along with mine. I have tried to fix these issues for a few years now to no avail.
We have a mortgage with M & T Bank and we have been approved for a modification under the HAMP program ; We are grateful for that, however M & T Bank assigns the mortgage to XXXX XXXX XXXX XXXX, and XXXX becomes the servicer of the loan, albeit on a temporary basis. 
Our complaint is that M & T Bank, throughout the HAMP application process and subsequent to successful completion of the HAMP Trial Period Plan, continues to sendout letters and account statements reflecting not only inaccurate financial figures, but also a veritable " blizzard '' of mailings that hit us as very intimidating, alluding to potential foreclosure proceedings. Since M & T Bank has assigned the mortgage to XXXX, they are technically no longer the loan 's servicer, and should not be sending such mailings. 

After much angst caused by the intimidating mailings, calls to XXXX result in our being told to just ignore the M & T Bank mailings, despite that many of the mailings specify that we must respond in writing within a certain time period.
Chase removed my online access to my credit card. They stated they did so because the card was closed some three years ago. I have an outstanding on time payment history with this card. My last online payment receipt is attached. I can not pay this card over the phone per Chase because it is closed. I do not get a paper statement I have the " paperless option ''. The only other possible way to pay I have now been told is to supposedly go to a Chase Bank. However, I am not always in locations that have a Chase bank, as I travel extensively.
I leased a new car at XXXX XXXX on XX/XX/XXXX. I turned in my existing lease which was paid up to date. I started a new lease with a first car payment of {$450.00} due XX/XX/18. I was told to leave a check at XXXX XXXX for my XXXX payment. I did. Fast Forward to end of XXXX when I receive a collection call saying I never made my XXXX payment and I was delinquent on my lease. I had to pay 2 car payments to catch me up. I contacted XXXX XXXX 3 times over the phone and twice in email and never received a response from my sales person or the finance department. I reached out to XXXX XXXX XXXX on XX/XX/18 hoping for some help. I was contacted by their representative who said that she could not help with this issue but would contact the dealership. I still have not been contacted by the dealership. I would like the delinquency removed from my credit report.
I am requesting an investigation because there is Public Record Information on personal credit profiles that is inaccurate in its filing. The term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. As it is understood that the credit bureaus have retrieve my information from a third party entity without my authorization, I am entitled by my consumer rights to have the full contact information and ID that they have " verified '' this information. This derogatory is holding my identity and credit under " Consumer Lock '' for 10 years. I have contacted the the Bankruptcy Court and they have confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Citibank put through an unauthorized charge on my account six months after I have dealings with a merchant on another matter. They have refused to provide any documentation regarding authorization of the charge. Meaning, they say they have no documentation and tney say the merchant has no documention, and they neither they nor the merchant are required to provide any documentation. The only documentation they have is documented correspondence from me and phone calls that they charge was fraudulent and not authorized and not paid for six months. They do n't know who decided to pay them but they said it does n't make a difference. They do n't have to do anything or supply me with any copies of anything authorizing the payment. They are very sweet and apologetic and said they will correct it. But the the office of the president got involved and said they do n't have to do anything. It 's been back and forth and back and forth, and in almost a year now they have nothing other than my instruction not to pay anything to the merchant because the bills had already been paid by another credit card.
I tried many times to come to a solution for repayment with Navient. No matter how many times I called o would get an entirely different answer. Finally I was told I had ZERO options for repayment and there was nothing they could do. After reading many recent articles such as this one ( XXXX ) I feel better knowing I am not alone.
On XX/XX/XXXX, I called Cavalry Portfolio Services about a collection that showed up on my report. They instructed me to contact XXXX XXXX XXXX and make the payment to them as they were hired to collect on their behalf. I called XXXX XXXX XXXX and the person on the phone said it was a balance of {$470.00}. I asked about a settlement and they agreed to receive {$310.00} after asking Cavalry for an extension. I was told this would absolve me from the debt owed after I called Cavalry and they said after the {$310.00} payment they would delete the tradeline from my credit report. As of today, XX/XX/XXXX, 7 days after the payment was made Cavalry updated the balance from {$470.00} to {$160.00} instead of {$0.00}. This means they lied to me on the phone and have began to report a balance that's not correct.