WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Americollect personally, submitted a dispute with XXXX as well as contacted the consumer protection bureau regarding this matter. Americollect is Continuing to report inaccurate information to XXXX credit reporting bureau. Americollect is reporting one ( 1 ) inaccurate account from University XXXX 's seven ( 7 ) times ( acct number XXXX ) another inaccurate account ( acct number XXXX ) five ( 5 ) times and two additional inaccurate accounts ( acct number XXXX and XXXX ). The continual reporting of these inaccurate accounts is a violation of the Fair debt collection Practices Act as well as Fair Credit Reporting Act. These inaccurate accounts should be removed from my credit report immediately.
On XX/XX/XXXX I received a letter from Midland Credit Management , Inc . Requesting payment on a balanced I settled back with the attorney office XXXX, XXXX, XXXX XXXX XXXX. XXXX representing the original debt owed for a XXXX XXXX credit card in which Midland Funding LLC was the acting debt collection agency. 

On XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX agreed to settle the {$910.00} debt for {$530.00}. I sent the attorney office the requested {$530.00} payment certified with a XXXX postal office money order. The payment was received on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX, XXXX, XXXX XXXX XXXX XXXX stating " as the attorney for the creditor on the above account, I certify that the above account has been settled signed by attorney XXXX XXXX XXXX. My credit report was only updated to show I no longer owe {$910.00} but now owe {$370.00} balance.
I contacted TD Auto Finance on XX/XX/XXXX and asked them why they accessed by credit file on XX/XX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization they transferred my call around and I got no reply.
Called Navient about grace period. They stated that I already used my grace period and I advised thats impossible. I was in school from XX/XX/XXXX until XX/XX/XXXX. All of my other loan lenders have me in a 6 month grace period but Navient refuses to help is trying to collect on my loans with them. I should be in grace period until XX/XX/XXXX.
I currently have a collections account on my credit report from a collection agency by the name of I.C. Systems INC. and researched they do not not have a license to collect debt in New York. I have never had a contract with I.C Systems INC. and am not liable to pay any amount of money to them.
After solving this problem several times now it is occurring again. On  XXXX / XXXX / 2017  I made a purchase that left a {$2.00} balance. On  XXXX / XXXX /   2017  I deposited {$80.00} then {$220.00} from  XXXX . However in stead of depositing monies to my account I was charged late fees of {$37.00} twice, with my {$80.00} never being credited to my account as of today b y Huntington bank. Also just on my account there is n't any direct email or chat room access when everyone  else has those access.
A collection from diversified consultants was listed on my credit report for {$580.00} for XXXX XXXX. They did not send me any notification they were placing this on my credit report. This is not my debt and I can provide proof that whatever address was in service for this debt, I did not live At. They can NOT validate the debt as this is n't my debt. I am tired of this debt that 's not even mine being passed around and sold after proving the debt is n't mine. I will be filing suit at the attorney generals office if this is sold again and not immediately deleted.
I had an account with XXXX XXXX when i was going through a bad divorce, i fell behind and the account was charged off and sent to collections. i am now trying to settle this account with the law firm handling the collection and they are n't giving me any information, XXXX has my balance at XXXX and this law firm is trying to charge me XXXX they wont give me a break down of the charges that got them to that number and they stated that they are charging me interest on this. i would like any help you could give, the law firm handling this matter is Weltman , Weinberg & Reis XXXX ex XXXX
I have contacted Experian numerous times asking them to remove inaccurate information that is being listed on my credit report. I have contacted them asking for them to remove different variations of my name ( XXXX names I DO NOT go by ), as well as XXXX rental houses/condos that I once lived at for a short time, as I am concerned about possible identity theft in the future. The XXXX XXXX XXXX XXXX address is basically a vacation rental building and people are coming and going quite often. The XXXX XXXX XXXX address I am concerned as my previous landlord now occupies the house and she is n't very stable. I want nothing with my name associated with her and the address on XXXX. I 've asked numerous times, like I said, but most recently I sent certified mail on XXXX XXXX # XXXX XXXX XXXX XXXX XXXX and havent received any correspondence back saying they 'll remove the items I had concerns with. 
In addition to Experian not removing old addresses and incorrect names, I requested they delete a very old tradeline that should not be reporting anymore. The account listed on my credit report as : XXXX # XXXX I am requesting a deletion as it is obsolete to still be reporting. DOFD was XXXX 2009.
This debt was sold to a collection agency that is not licensed in maryland and should not be reporting to my credit. I am a Maryland resident.
I received a debt collection letter from XXXX XXXX firm dated XXXX/XXXX/XXXX stating that this was attempt to collect a debt, and that I had 30 days to respond to their notice, so I responded to their debt collection letter with my letter dated XXXX/XXXX/XXXX, asking for the requested items of validation and verification according to what their noticed stated, what I received was not verification, I received a letter stating that Law firm received my letter and that they would send it to U.S Bank, as of today no response or answer to my validation letter, I have tried to communicate to the attorney office to no avail.
I had a loan with XXXX XXXX that has been paid off since XX/XX/2018. i have received zero communication from XXXX XXXX    to say I owed any money until this XXXX XXXX from JPL Recovery Solutions started calling non stop. Calling my ex husband, my daughters, my work HR. Lied to them saying I had released info to them when i had not. They are using aggressive tactics for a loan i do not owe.
I have constantly disputed this item with all XXXX bureuas and XXXX have deleted this item from my report except Experian!!
I was discriminated against by the Chase Bank at XXXX XXXX XXXX, XXXX, CA XXXX. I was incorrectly told by the Chase banker that a XXXX XXXX XXXX XXXX is required to open a checking account. My husband called the Chase customer service phone number and spoke to a Chase telephone customer service representative named XXXX who informed him that a XXXX XXXX is not required to open a Chase checking account.
I have disputed the late payments on this US DEPT OF ED/XXXX  XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ),  a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I had a Kia Lease and turned the vehicle in several months early on XXXX/XXXX/2016, which was before my XX/XX/XXXX payment was due on XXXX/XXXX/2016. When I received my payoff statement from Kia, I contacted them on XXXX/XXXX/16 and spoke to XXXX to set up a payment arrangement. I agreed to pay {$250.00} that day and $ XXXX/mo after that. I asked her about any credit reporting that may be done and she assured me my credit would not be impacted. She also advised me that my account would be turned over to the Recovery Team in XX/XX/XXXX and they would be able to grant me an extension. On XXXX/XXXX/16 I pulled my XXXX credit report and saw that Kia had reported my XX/XX/XXXX payment as 30 days past due. I called Kia and spoke to XXXX who advised my account should not have been reported since my vehicle was turned in before the payment was due. She submitted a dispute and advised to allow 7-10 business days to resolve. I spoke to XXXX on XX/XX/XXXX who was unable to provide me any updates on my dispute and submitted a callback request for a supervisor to call me within 2 days. When I never received a call, I called on XX/XX/XXXX and spoke to XXXX XXXX, a supervisor in the Lease Ends department. XXXX confirmed that my vehicle had been turned in on XXXX/XXXX/16 and there was no reason my account should have been reported ; he said it was a system error. He advised that the correction had already been submitted to the credit bureaus and I would receive a letter in the mail verifying that. I also asked him about the Recovery Team and if I needed to speak to them to get an extension on my account. He placed me on hold and double-checked and assured me that I did not need to do anything further, just continue making my payments the way I had been. I then receive a letter on XXXX/XXXX/16 from XXXX, a third party collection company regarding my outstanding debt. I speak to XXXX at Kia on XXXX/XXXX/16 who assures me that the third party company is only brought in to help Kia with their collections and does not impact credit. She also advised that the decision on the credit dispute was a denial and I would have to send a written dispute in to the credit bureaus. She advised that I would need to talk to the Recovery Team regarding anything else. I spoke to XXXX on the Recovery Team who reassured me that my debt was not sold to XXXX and there is no credit impact. She could not provide an explanation as to why I was lied to by XXXX XXXX when I spoke to him on XXXX/XXXX/16, and advised me I would need to set up a new payment arrangement with XXXX. She also confirmed the denial on my request for the credit correction. She explained that the policy of Kia is that a written dispute is needed, regardless of who 's error caused the credit reporting. She refused to put me in touch with a supervisor at that time and promised a supervisor would call me by the end of today. It is now XXXX EST ( 20 minutes from their closing time ) and I have not heard from anyone.
I was a victim of Flagstar Bank 's default servicing practices that were identified in your 2014 Consent Decree. I was forced into bankruptcy due to Flagstar. Upon dismissal if bankruptcy, I was to obtain modification from Flagstar, but at the same time the mortgage servicer was changed from Flagstar to XXXX XXXX and I had tremendous problems with XXXX and Flagstar obtaining information related to the terms and conditions of my modification. Even though XXXX XXXX was identified as my mortgage servicer, Flagstar has taken me to court and now wants to foreclose. it has been unclear to me who the current servicer is even though I know that the companies are supposed to give notice when there is a change. I have also noticed that you have obtained a Consent Order against XXXX XXXX. I am nor sure where I stand regarding ether of these Court Orders. At a minimum, I believe that neither company has complied with the terms of the Court Orders. Can you please advise me where I stand regarding the XXXX Court Orders.
This is a XXXX XXXX XXXX. When my son first graduated we tried to lower the payments from the {$700.00} and they said sorry there is nothing they could do. We borrowed XXXX - paid back {$42000.00} since 2011. Now that it is default they want {$85000.00}. Paid in Full - charging {$14000.00} in Collection costs. I would never recommend borrowing from XXXX XXXX. I would like to know if there is anything that can be done about this outrages interest and penalties.
About two weeks ago, I was reviewing my credit report and it dropped from XXXX to XXXX. Federal student loans served by Edfinancial are being reported as closed and as separate loans, even though its one loan with different disbursement dates. Edfninacil says its due to different disbursement periods. Iam still in same school and it should not be reported as if I am already out of school. 
Also, accounts are reported as closed yet current. This places me as irresponsible individual taking out loans and closing them, when I am not. 
I threatened them to go to department of education, and they said, the same info will be given and its no difference. 
Resuming, I have an unsubsidized loan which I do not control disbursement dates and each disbursement its being placed as a new loan and reported as such, and accounts as closed. 
They said they fixed the closed acct issue but reporting will stay as is. 
This is affecting me as if I have too much debt and should not be even reported yet, since this student loans are automatically deferred until 2020, but they even put those notes on my reports, as if I requested deferrment. They also say problem lies with XXXX university which call themselves XXXX global online but I begun with XXXX university and had no choice in this matter. Meanwhile, My score has decreased and affected my credit and life.
XXXX XXXX XXXX XXXX Company wrongfully overcharged me. I cancelled the policy and filed a complaint with the New York Department XXXX XXXX XXXX which is conducting an investigation. Due to the fact that I cancelled the policy, XXXX refuses to correct its error as a harassment tactic. It has hired Credit Collection Services ( CCS ) to harass me to pay money it knows I do n't owe. CCS has been informed that I dispute this alleged debt, but continues to harass me in violation of the Fair Credit Reporting Act.
I called OmniCard to activate the {$10.00} VISA gift card on XXXX/XXXX/17 in the morning. They said they card would be available for use in 15 minutes. Hours later, the card is still being declined. The error was " no such user. '' OmniCard said the reason why all of the transactions have been declined is because I 've been using the wrong PIN #. The truth is I have n't been using any PIN #. PIN # s are only required when run as a debit card. All of these transactions were run as credit card transactions, so there was no spot for a PIN #. Then, OmniCard said they were declined, because the card had n't been activated yet ( even though it had been ). I tried using it again. Again, it failed.
every week for the past 2 months Penn Credit Corp at  XXXX either leaves a message or when call is answered a voice automated teller indicates that we owe a debt of {$74.00} to publishers clearing house. If we are submitting payment via mail press 1, if we can not make entire payment press 2, if we want to currently pay over the phone press 3 to speak to a representative. We have attempted to each prompt and to have our number removed by speaking with a representative and the calls continue. Today XX/XX/18 we pressed 3 to  speak again and it is now asking for a pin number to continue the call. In previous calls, it indicated that the amount was going to be removed from our XXXX XXXX account. This is a SCAM. We do not owe money to XXXX XXXX XXXX and want the calls to stop immediately.
XXXX XXXX XXXX XXXX XXXX has me listed on my credit report as being Late in XX/XX/XXXX. My payments for XX/XX/XXXX, were {$87.00} For my loan and {$88.00} For my credit card. I paid {$200.00} on the loan and, {$160.00} on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Loan and Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " XXXX " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, Equifax, XXXX, and XXXX. Neither XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX, nor XXXX have correcited this on my credit report. I have disputed this 5 times with each, with no correction.
The loan servicing company forcing me to pay my property tax to them, while there is no documents exist with my signature that I am obligated to pay my taxes to the lender.   I am paying my mortgage on time and paying my property tax on time through them when it is due, not on a monthly bases.   They applying my mortgage payment towards escrow account, and then threaten me that I am in default.
In early    XXXX   I re ceived   XXXX   emails from Best Buy advising me of  XXXX  orders. I did not purchase anything. I immediately called Best Buy to advise them that they were fraudulent. I also told them that since the orders were not shipped that they should cancel them.   I was transferred to Citibank to report the situation. They advised me to cancel the card and they were to issue me a new  one.  He assured me that I would not be responsible for the charges.  Two d ays later I received notice that  XXXX  of the  XXXX  items were shipped! Mistakenly I thought at that time it was handled. On   XXXX   XXXX   I received a bill for these purchases. I immediately contacted Citibank and at that time the representative said she would start a claim. I guess the representative that took the original call did n't properly deal with the issue.   Now I receive collection calls every couple of days. On  XXXX  I called Citibank again and told them to stop the calls. I also complained on the Citibank social media page. The  XXXX  rep gave me a number to call and after speaking to two reps I was transferred to an answering machine where I was told someone would return my call in  24-48 hours .   I have made several calls, emails, and messages. All I get is an  endless trail  of voice prompts and empty apologies. I have a credit rating of over  XXXX . I do n't want this to do any harm to that and need the phone calls to stop.
I received a collection letter from XXXX claiming I owe Fifth Third Bank of XXXX OH {$1600.00}. I have never done business with this bank and have no debts other than XXXX and XXXX credit cards, which I pay off monthly, and my home mortgage with XXXX XXXX. I have read on the internet of others receiving false claims for Fifth Third Bank through XXXX. My identity was stolen several years ago. It took me a year to straighten it out, and I have no patience with this type of thing now.
They gave us 2 estimates. A ) 4 % with {$2600.00} lenders credit B ) 3.875 without lenders credit. I was clear we want the 3.875 without lenders credit and they agreed. However when time to sign, They had locked rate at 4 % with {$1900.00} Lender 's credit.
We've noticed twice now our bank Old National back dating checks and shuffling things around to allow them to charge more overdraft fees. We had to write one large check in XXXX and knew it would cause an overdraft fee, instead of that check causing a fee the bank shuffled our transactions then backdated and put the check transaction at the bottom enabling them to charge hundreds of dollars in fees. Over the course of 30 days we've incurred over {$760.00} in overdraft fees due to transaction backdating and shuffling plus a {$100.00} fee from our quickbooks payroll because our direct deposits that are processed are always cleared on Fridays were kicked back into a pending status AFTER clearing and posting.
About a year and a half ago I contacted an outside company regarding my student loan. I was trying to get my amount lowered due to financial difficulties. They explained to me that they would take care of all necessary paperwork every year and it would only cost me {$39.00} a month which would be added to my monthly payment. I 've had to contact them regarding the paperwork because they have not stayed on top of it. I was also informed that they should not be charging me a fee to do what is basically free. This is not something that I was aware of until recently. Unfortunately there has been no paperwork for me. Nothing that states what I am paying and what the amounts are going towards. The only paperwork has been my pay stubs that I have submitted to them for income verification. I am, however, attaching a copy of my bank withdrawals.
Twice this year, in XXXX and today ( XXXX/XXXX/2016 ), it was brought to my attention that XXXX issues remain on my credit history despite all my effort and assurances they would be removed. These issues seriously lowered my credit score. The credit directory at this complaint is Experian. XXXX and a legal document proving that the matters were in error and/or closed are attached. XXXX XXXX was resolved more than a year ago with the help of CFPB, but it remains on my credit history also.
i did n't have any knowledge of this debt under my name. Do n't know if my family use my alias to go to the hospital but i can tell you one thing that is was n't me. calls after calls after calls kept harassing me
Wells Fargo Bank enrolled my account into their rewards program ( {$50.00} annual fee ) without my permission or consent. Is n't this illegal?
In 2007, after graduating, I called about having my student loans qualify for Public Service Loan Forgiveness. I was assured I 'd be eligible after 10 years. When I tried to start the process this summer, I was told I had a FFEL loan- the wrong kind to be eligible. I 'm so sick about this. I 'm afraid I have no recourse, just the word of the customer service representative from the phone call 10 years ago. I 've read about incompetent advisors and representatives, not fully understanding the situation at the time. I guess I was, too and just trusted their word. If my payments were n't enough, I would be more than happy to pay the difference, but just to be told " too bad '' by Naviant and that I could reapply for the correct type of loan is heartbreaking. If I paid 10 more years with the correct Federal loan, I 'd have them paid off before I 'd be eligible. Am I just out of options? Thanks for your help.
I have asked to cease and assist numerous times. Failed to provide a written, bill or any information sent to my home per request. I asked for something in writing from this company, they forged a company letter head and emailed me a bill, for a ridiculous amount threatening to file a lawsuit at XXXX this evening if the debt was not resolved. This most recent Gentleman 's name was XXXX XXXX and he says he is calling on behalf of " XXXX XXXX XXXX '' for a payday loan that may have been taken out between the years of XXXX all of which I was unemployed and collected unemployment benefits throughout. I am tired of being threatened. The complaint is not stopping these people from calling. They 've disguised their numbers to be local numbers.
I was denied a security clearance because DOD found a delinquent account in an estimated amount of XXXX, creditor by XXXX XXXX on my credit report that am unaware of. I contact XXXX by disputing the account. XXXX came back stating when they contacted the creditor which is XXXX XXXX, stating account belongs to me and that theres no error. XXXX gave me XXXX XXXX phone number they have on file but when i called its not going through. I googled them and I got their number and the representative I spoke to told me is a private loan i took when i was attending XXXX XXXX XXXX around 2010. XXXX XXXX offered my a settlement amount of {$8200.00} if i want to have it cleared of my report or I have to pay the past due amount on the account which is in an amount of {$10000.00}.