WillisBack/dataset-financial-user-claim huggingface dataset:
I have paid these people over {$3000.00} on a XXXX acount they say I still owe them {$1500.00} ..I told them that I live on social security and can not pay the illegal usury interest rate of 1000 % .I am XXXX years old. this guy would not give me his name but he at XXXX XXXX. on XXXX/XXXX/2015
Carecredit.com opened a credit card account in my name without my consent or my application for such an account. I received a credit card in the mail and I promptly called the customer service number and closed the account. I was told they would send a letter confirming the closure.
I owed a company for a loan I applied for XX/XX/XXXX. XX/XX/XXXX, I began making the payments with a collection company. I was to make 8 payments, then the loan would be paid in full. I made the last payment XX/XX/XXXX and was promised a paid in full letter. I paid a total of {$1400.00}. XX/XX/XXXX, another collection agency contacted a couple of family members stating that I was being charged with fraud. I immediately called and found out that it was a XXXX collection agency trying to collect for the same company. They proceeded to tell me that there was a APB out on my car and the police were in route to come and arrest me. She proceeded telling me she can stop the police if I come up with the balance before XXXX. I tried to explain to her that I had already paid that debt off. But she said that I could explain that to the judge. My kids and I was terrified. We thought I was going to jail. I borrowed my mother 's credit card and paid the balance ... {$1600.00}. They sent me a paid in full letter. By that time, I received a paid in full letter from the first collection company. When I really think back, it never really clicked that this could be a scam. I 'm not sure what happened. These XXXX collection agencies were collecting for the same company. I 'm currently getting my credit repaired. Letters of validation were sent out on my behalf to this particular company. I received the original contract and a letter stating that the debt was sold XX/XX/XXXX, to a totally different collection agency.
Close to six years ago, I moved out of an apartment. I notified the utilities of the shut off date that I needed. A few years later when purchasing a vehicle I noticed that there were negatives being reported from the utilities I contacted the utilities and even though I did not owe the money, I agreed to pay the amount showing due, to clear the accounts. 
I was also advised that my deposit had been converted to cover the balance, and I was paying the amount remaining. It was made abundantly clear I disputed the balance and I asked for a investigation, so my payment ( s ) could be refunded. 
I never received follow up communications and it was only until recently, and much to my surprise and shock, only XXXX account was showing, an XXXX account, was shown as paid in full, but they still noted it was after charged-off ( even though this is unfair, I am not disputing that accunt ). 
The following accounts were paid in full, EVEN THOUGH I DID NOT OWE THEM, many years ago : XXXX XXXX 's tradeline that I owed to them the amount of {$220.00}, and XXXX tradeline that I owed to them the amount of {$130.00}. 
I disputed the following accounts on XXXX XXXX, 2016, and less than 24 hours later I received notification that Equifax 's investigation was complete and the accounts and amounts owed were accurate and complete. 
Equifax has a private contractual arbitration clause in their contract. I have already made my written demand, as required by their contract, to start the arbitration process. 
As Equifax testified to in in XXXX Equifax Information Services LLC, 3:11-cv-01231, that their policy is " [ t ] o take corrective actions to correct a consumer 's report is only undertaken if a civil action is filed, '' I do n't anticipate this complaint doing much good, in the short term, but I want to use their response to your agency in my Complaint. 
I am seeking punitive damages for willful violations of the FCRA and refusing to remove the inaccurate accounts from my reports, after this Complaint to your agency, will help establish the " willfulness '' element. 
I do not owe the amount alleged and even if I did owe it, it was paid long ago. 
Thank You for any assistance!
PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) Robo-signing is illegal and has been outlawed in the State of New York. 
I discovered the Assignment of Mortgage on my loan being used to establish ownership was robo-signed by serial robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. 
XXXX XXXX XXXX, XXXX publicly went out of business in XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX, was not in business on XXXX XXXX, XXXX and did not exist on XXXX XXXX, XXXX when the Assignment of Mortgage was recorded and filed in XXXX County Clerk 's Office.
Trans Union credit report displays either a duplication of a hard inquiry or it belongs to someone else. Trans Union refuses to investigate. This information is incorrect and they should not be reporting it as such. Neither XXXX  or XXXX display the duplication of hard inquiry. Also, there is a hard inquiry to quicken loans that is not mine. 

Also, I was unable to print my credit report and tried to go back ( same day within minutes ) but annual credit report stated I had already claimed my free annual report.
Called into Transworld Systems Inc and Spoke to a woman agent on XX/XX/XXXX @ XXXX for 5mins and 20 seconds because I received a letter stating that I owe {$730.00} in unpaid toll on license plate number XXXX. I gave her my account # listed on the document. She said this debt was from XXXX. I explained to her that that is impossible because I just received a letter stating that I owe a balance of {$350.00} almost a month ago.Then she stated i actually owe a total of {$2300.00} from XXXX XXXX in unpaid toll from 1 year ago starting from last XX/XX/XXXX to now. I told her that was impossible. I asked her what was the license plate numbers she read of XXXX and XXXX. Now I'm assuming that {$1500.00} is unpaid tolls for XXXX. I stated again that is impossible. I am confused is this from XXXX or XX/XX/XXXX. She said both. I asked her Can you please give me the total amount due on plate number XXXX. She said she could not provide me with that. I asked her could she send me photos with dates and times and shots of the plates, she said she could not. Go on the website and find the information, which I was unable to do so because the violation number was inaccurate for the XXXX plate and it would not come up without the violation information. I stated to her, you do know we are on a recorded line and I am asking you for a total to make a payment and you are denying me and referring me to a website. I do not feel comfortable or confident that the information provided from that company is correct. Please help me. I am not working now and I do not want to be ripped off giving the little money I have now. I just want clear concise information.
On XX/XX/XXXX I received my results from XXXX  about this account from XXXX XXXX XXXX   XXXX it was deleted. Today I received a letter from this lawyers office as well as court papers lawyers name is Berndt & Associates PC. This issue has been resolved I disputed this back in XXXX.
In XXXX of 2016 I purchased an XXXX computer at XXXX. By XXXX XXXX, the " new '' computer ceased to function. I took it to a computer shop & was advised to return it to the manufacturer. By XXXX XXXX, XXXX sent a XXXX return shipping label. The manufacturer 's paperwork states they revived it on XXXX/XXXX/16, " repllaced [ the ] motherboard '' & shipped it out on XXXX/XXXX/16. The " new '' ly repaired device did n't get to me until after the 2016 XXXX XXXX weekend. From the second week of XXXX 2016 until XXXX/XXXX/16 at least service tech calls were made to XXXX XXXX XXXX while trying to sign on to XXXX. On XXXX/XXXX/16 an XXXX XXXX XXXX Support Tech tpld me " the problem is your computer '' On XXXX, I requestd Capital One to chargeback this purchase after XXXX told me I had gone past their return deadline. On XXXX/XXXX/16 Capital One reapplied my purchase amount. On XXXX/XXXX/16, with no explanation as to why, they changed their mind. On XXXX/XXXX/16 I had to purchase another computer. Total Cost : {$1700.00}
fee that I have been charged for my XX/XX/2018 mortgage. I made my payment on XX/XX/2018 with XXXX. Please review this and reverse these charges. Loan # XXXX. Also, I was told that my escrow acct was under its scheduled budget, and that you had to adjust my paymentd to compensate for the shortage. Yet my property taxes were paid twice and you received a refund for that double payment. So I need to have my mortgage payment reinstated because the shortfall was refunded to Statebridge Co.
I 'm unable to submit my dispute with Experian directly after many attempts I have 2 collection accounts reporting on my credit file that i have no knowledge of and I was not given a DV for any of these accounts I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX
I am currently attempting to modify an existing XXXX mortgage ( HELOC ) that will be maturing around XXXX/XXXX/2016. The loan is currently serviced by Specialized Loan Servicing LLC or SLS. I 'm attempting to get an extension of the maturity date of the second mortgage since my home is currently underwater in order to avoid a foreclosure or short sale. In the 10 years I 've had this mortgage I 've never once been late, on this second or the first. I began the process of modifying/extending my second mortgage nearly 7 weeks ago with essentially no progress being made during that time, even though I have provided SLS with all the documentation they have requested thus far. I have sent them my pay stubs 5 times now, with each time SLS claiming they either did not receive them or claiming they were unreadable. I receive no feedback from my single point of contact when there is a problem with any of the paperwork, with the responsibility being on myself to constantly call them to status my paperwork. I do not necessarily have a problem calling them to stay on top of things, but the problem with SLS is that they do not answer in bound calls. When I call my single point of contact, XXXX ( Teller ID XXXX ), all I get is an option to arrange a call back. Call backs typically happen two days later, which results is big delays. The biggest issue I 'm facing is that as this process gets drawn out by SLS, paystubs and other documentation become stale and then needs to be resent. On Thursday XXXX XXXX I had my last conversation with XXXX, where she informed me once again that the paystubs I faxed in were hard to read. Prior to that, I had overnighted the paystubs at my own expense, with one time them being lost and the other them becoming tale due to the inaction of SLS in advancing my request. During this last conversation, I expressed my frustration with both her and SLS. She informed me that she is currently assigned over XXXX accounts/clients and does n't have the time to call me back or stay on top of my file. At that point, I requested a call back from a supervisor. As of today, XXXX XXXX I have still not received a call back from her supervisor. In addition, I have called numerous times requesting a call back from XXXX but have not received a call back from her or anyone else at SLS. I am growing frustrated and scared because my loan maturity is now only 4 weeks ago with no sign that SLS is capable of advancing my request. Please help!!!!
Today, X/X/2017, i contacted Credit Protection Association, L.P. regarding 2 letters I had received from them. This is pertaining to an {$840.00} utility bill i owe. I inquired about settling the account, they said they DO NOT ACCEPT SETTLEMENTS. I offered to set up payments for $ XXXX/month. They advised me that " did not fall in their system as a valid payment arrangement '' and that I " could send that in, but it would still be reported to my credit '' ( which I am in the process of fixing, so that I can purchase my first home for myself, my fiance, and our XXXX daughters ) They provided me ONLY ONE option, that i put down 25 % and can only make 2-3 payments on the remainder. I told them that I CAN NOT afford that ( as I only work part-time and have XXXX children '' -- - they proceeded to tell me that is my only option and that their " system wont allow anything else '' I counter-offered to pay them $ XXXX/month for 8 months. They also stated that " isnt a valid payment arrangement ''?????? I have worked in the collection industry for over 5 years now, and as far as I 'm aware, this is NOT legal, nor is it just. I feel it is absolutely demanding, and that they are refusing to work with the consumer, just to put more money in their bonus checks. I of course, told them I will be in contact, and that I would be consulting with an attorney ( which i already contacted the New York State Attorney General as well )
Citibank would not grant approval for loan via XXXXAsked for utility bill but provided a non working fax number to send this information effectively denying creditEarlier asked many questions over phone by non XXXX XXXX speaker and supposedly got XXXX question wrong but would not tell which XXXX
I used a  Carecredit ( Syncrony Bank )  to pay for some medical expenses -- including  XXXX   Work. I o wed  Syncrony B ank {$1900.00}. At the end of   XXXX    2017, I sold  my house and decided to payoff the  CareCredit card  account. When I sent the payment from my bank  (   XXXX   ) with  the computer, I paid on   XXXX   XXXX  and  XXXX  . I accidentally made  2  payments of the same amount. A couple days later I recognized it and contacted  Syncrony bank .   They would be " happy '' to send a refund. They did. The only problem was the refund was for {$1000.00}, no t!  XXXX .  When I complained, they were showing " No outstanding credits ''. I waited a while to see if they were going to correct it. Apparently they are not.       XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   , Texas  XXXX
XXXX XXXX is really violating my rights I previously disputed this company and they are keep selling the debt to different collection agencies. How can we as consumers protect ourselves from these companies?
This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from TransUnion, XXXX  and XXXX. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s ) would be removed but, TransUnion, XXXX  and XXXX has failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries removed.
Chase lowered my credit limit. This was done even though I have XXXX accounts with them and have never been late or missed a payment. By lowering my credit limit my ratio of balance to limit will hurt my credit score through no fault of mine.
In XXXX my spouse and I had to file chapter XXXX bankruptcy due to the economy dropping and me losing my job. This loan that is being reported was attached as a XXXX mortgage in was included in our bankruptcy, we have all documents supporting this. The loan was originally thru XXXX which then later was turned over to Resurgent XXXX in XXXX we still owed them XXXX the bankruptcy courts did file a motion and had this loan stripped/voided officially in XXXX leaving us responsible for the amount chapter XXXX bankruptcy agreed on of XXXX was paid on the principal amount due. It was paid off by the end of our bankruptcy in XXXX XXXX. So in the middle of all this somehow the loan was transferred or sold to New Penn Financial services which kindly removed all false info reported to the credit bureaus and we have been fine with them, but when they sold the loan to Shell Point Mortgage Services. Things went very badly Shell Point who is now unfairly reporting to the credit bureaus saying we are 120 days late, since XXXX XXXX, and our last payment to them was for XXXX in XXXX of XXXX. This is nowhere near correct, we do not know who Shell Point Mortgage Services are, we never sent them any money for anything, we have never dealt with them and the loan was not settled with them! That XXXX mortgage loan was included in our chapter XXXX bankruptcy in XXXX, by XXXX was considered stripped/voided in the bankruptcy and the only way we know it is in fact the same loan is because we matched the acct last XXXX numbers they show on the account to the Resurgent XXXX acct that our loan at the time was being paid back too. This was an original XXXX mortgage loan from back in XXXX XXXX. Shell Point Mortgage Services keeps sending false update payment info to the credit bureaus and they are reporting false information about this acct. We need help. Our hands are tied We have XXXX XXXX Firm helping us get all our credit reports corrected, but Shell Point stays XXXX step ahead of them and keeps changing it, they started doing this to me and my spouse last yr in XXXX and keep falsely sending incorrect information about this dead acct in order to keep hurting our credit. We need them to stop!!! We ca n't do anymore we have proven all our info, and what happened in the bankruptcy to Shell Point, to XXXX XXXX, and to all XXXX credit bureaus we do n't know what else we can do. Please help!!! We ca n't afford to hire an attorney to sue this company for harassing us by unfairly reporting false information and updating it whenever they want with the credit bureaus making it look like a current 120 day late acct, when it is not!!! We have recently discovered XXXX XXXX XXXX, Resurgent XXXX XXXX XXXX, New Penn Financial and Shell Point are all related companies, which in turn makes it to where the loan is still being pursued by the same company included in our chapter XXXX bankruptcy.
Good morning in 2008, unknowingly to me there was a default judgement against me for XXXX, with an original creditor of washington mutual, I have never had a washington mutual account, I was an authorized user on some of my friends accounts but not sure if one defaulted. Also I was never notified of the court proceeding or served. Fast forward to recently, instead of hiring a lawyer and going through a hassle of trying to fight a default judgement I agreed to a settlement and explained to the debt collector that it is not my debt nor was I ever aware or notified of this debt but I am willing to settle it we agreed on the amount a few days ago. I asked the debt collector to look at the files and you can see I was never the main account holder XXXX XXXX seize he does not have access to the files or he ca n't do anything for me but take my money for a debt legally speaking should n't have been mine in the first place. The debt collector can not legally validate the debt, he should not be accepting my money. Also he wo n't do the right thing in vacating the debt that was n't my legal responsibility in the first place.
I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this XXXX XXXX XX/XX/XXXX Banco Popular XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Here 's my story : I 've been paying my minimum monthly payment every month to Sallie Mae until I fell into hard times. My car keeps breaking down and now taking care of my homeless father. I can no longer afford my minimum monthly payment. Before, today XX/XX/2017, I 've called several times trying to lower my payment and I was told my only option is to go on forbearance. I did n't want to stop paying them, so, I started sending checks of what I can afford. That is when they started harassing me at my work and other family members looking for money. I called again and was on the phone with them for over 3 hours, today, trying to find a solution. I talked to XXXX, in the Resolution Department, giving them all my financial information and hard ship issues. The call elevated to the supervisor, XXXX employee # XXXX. They told me they can not help me and forbearance is my only option. ( All calls are recorded so you could potentially get the information if you need it ). My XXXX XXXX XXXX grandmother is my cosigner. She is currently living on only social security so she is, also, unable to help me with payments. They wanted to speak to my cosigner, however, she is unable to speak on the phone. I told them vehemently, over and over, she is unable to think clearly and there is no one to speak on her behalf. I made it very clear that I want to be responsible for my payments of what I can afford. Throughout this 3 hour call I kept telling them I can pay {$100.00} per month and I know I could continue making {$100.00} payments through the duration of the loan. They just kept offering the forbearance or speak to my cosigner ( aka my XXXX ) - those were my only options. It started this back and forth conversation and they did not give me any other options. Am I wrong? Should n't they work with me? They have no problem cashing my check I send in each month. Now my credit is ruined because of them, so, now I do n't qualify to consolidate my loans with a bank. I am writing to you, not only to help others, but also to see if there is ANYTHING you can do to help me. I 'm desperate and I need you. 
Thank you, XXXX XXXX XXXX, MN XXXX XXXX XXXX : XXXX XXXX gradutate
Citibank closed my checking account by mistake. I found out on XXXX. They admitted the mistake said they would reopen on XXXX. But it has been several days and I can not reach anyone.
Looked at my credit report onXX/XX/XXXX and noticed a new account. The account is under MIDWEST RECOVERY SYSTEMS. I called the number today XX/XX/XXXXand spoke to a representative and he informed me that the debt is for a payday loan that I took out in XX/XX/XXXX from a company called XXXX XXXX in XX/XX/XXXX. I have never heard of the company nor did I take out any payday loans. The representative told me that e would do a debt validation letter and I should receive a letter in the mail. This company has contacted me before claiming that I owed another payday loan from another company a year ago that I disputed and I had it removed.
PAYMENT DISPUTE Specialized Loan Services " hereafter Lender '' XX/XX/XXXX : On or about XX/XX/XXXX, i made my monthly mortgage payment. Lender notified me that they did not receive the payment. I provided lender all evidence which included a money order and proof of it being cashed. While the matter was being investigated by lender, i decided to pay to avoid additional penalties. 

XX/XX/XXXX : On or about XX/XX/XXXX, i made my monthly mortgage payment. Lender notified me that they did not receive the payment. I provided lender all evidence which included a money order and proof of it being cashed. While the matter was being investigated by lender, i decided to pay to avoid additional penalties. 

XX/XX/XXXX : The lender acknowledged of error and applied both the above payments towards interest. 

My issue : I would like the lender to return both payments to me instead of applying towards my interest, as I was forced to borrow the money to avoid a foreclosure for an issue caused by the lender.