WillisBack/dataset-financial-user-claim huggingface dataset:
I am getting charged for something i knew nothing about, i contacted the debt company the first time to get it removed they did and now it is back on my credit. The representative was very rude when talking to me and said there was nothing she could do to help me.
This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXLast payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX Closed XX/XX/XXXX
XXXX XXXX XXXX is reporting loans that are older that 7 years old and it is messing with my credit balances. When  I dispute this information with them I do n't get anywhere. The statute of limitations in my state is being exceeded and I would like XXXXXXXX XXXX XXXX to correct this issue and update my credit report for all 3 bureaus.
Requested authorization from collection agency to collect debt for another party. I do not have a contract with this collection agency.
On XXXX/XXXX/2016 I sent a certified letter to Chexsystems regarding XXXX items on my consuymer file. In my dispute I asked for Chexsystems to validate this information and provide me with copies of any documentation associated with these accounts. I also, asked that in the absence of any such documentation bearing my signature theat this information be immediately deleted from my file that they maintain under my social security number. On XXXX/XXXX/2016 and XXXX/XXXX/2016 I received letters from Chexsystems stating that their investigation was complete. The letter states that the accounts have been verified as accurate as reported, therefore it would retain in my file. The letter gives me contact information for the bank. It also states that if I request, Chexsystems will provide a description of the procedure used to determine the accuracy of the disputed information in my file. On XXXX/XXXX/2016 I called Chexsystems to request the procedure used to verify the accuracy of the disputed information in my file. I spoke with XXXX a representative who stated that they contacted the bank and the bank told them that it was my account. I asked what documentation was received to verify the accountt he was not able to provide me an information to verify the account. I asked if the obtained any documentation bearingmy signature? He stated that if I wanted that documentation I need to contact the bank at the number listed in the letter. I again asked for verification of proof that the account was verified and valid and he could not provide any such documentation. I requested to speak witrh a supervisor. He took my name and number to have a supervisor call me back. Today XXXX/XXXX/2016 I received a call from XXXX a supervisor at Chexsystems. I discussed with XXXX the same infromation as I did with XXXX the previous day. I asked for the procedure and documentation showing this account belonged to me and that they were inacurately reporting information as they are not able to provide documentation bearing my signature. XXXX continued to say that I could contact the bank and I continued to request the process they used to verify the account. I said what did they provide to show it was accurate she stated the bank told them it was verified and accurate. After several attempts to request their procedure and documentation I considered it a failed attempt and advised XXXX that I would be contacting the Consumber Financial Protection Bureau. She stated to give her a minute and placed me on hold and then came back and stated that I needed to contact the bank for verification. My XXXX account is still pending. On XXXX/XXXX/16 I placed a security freeze on my file.
I contacted XXXX, a company who provide services to mortgage lenders and mortgage companies, on Monday, XXXX XXXX, XXXX regarding their unauthorized hard hit inquiry on my credit report. XXXX stated that they received authorization on XXXX XXXX, XXXX to pull my credit from Academy Mortgage Corporation. I did not authorize or give my consent for either company to pull my credit. I did not apply for a mortgage with either company.
I canceled my Discover Credit Card in XX/XX/XXXX of this year, due to numerous unauthorized charges ( mostly by XXXX 's ) and XXXX disputes that were found " in favor of the vendor '' in excess of hundreds of dollars, although documentation was not properly collected nor investigated properly. I have now received a statement from Discover with a charge dates XXXX ( 2 months after I canceled my card ) for a XXXX warranty in which during a call on XX/XX/XXXX, Discover informs me " we have documentation that supports the vendors ( XXXX ) charge. '' I however, have been directly communicating with the XXXX Offices of XXXX, and they have assured me that my warranty in the amount of {$85.00} was not charged. When I called to complain about this fraudulent charge to Discover, they REFUSED to give me anyone 's name, and would only give me a " p.o.box address to lodge a complaint. '' They also threatened ( bullied XXXX me that " if you do n't pay, you will be charged late fees. '' As an independent XXXX, I have spent a PLETHORA of hours upon hours from XX/XX/2016 to Present, fighting with Discover, which has equaled additional financial loss. Please tell me how a credit company in which I separated services with over 2 months ago is holding me in financially responsible and XXXX for unauthorized and fraudulent charges to a credit card THAT NO LONGER EXISTS?
I am in the process of paying off my student loans. I went to setup an auto deduction for loan with AESSuccess and I was prompted that I could not setup an auto debit of more than {$1000.00} more than my minimum monthly payment. I wanted to pay an extra XXXX so I could pay it off by XX/XX/XXXX. I find not being able to pay as much as I want over the monthly minimum very disturbing as now I have to make two payments and they get to accrue more interest.
Last XX/XX/XXXXeye opened checking and saving account per directives by XXXX XXXX of XXXX XXXX ca in response to his offer that eye accept business opportunity as mystery shopper and then XXXX XXXX brought to my door repeatedly postal money orders for deposit and withdrawal to send money by money gram. eventually US bank of XXXX started saying that the deposited money orders were fictitious and now they have closed my accounts and say that eye owe them over four thousand dollars. Eye have contacted both the CIA and the FBI besides the inspector general about the matter and have had no response. The money orders have not returned to me, just copies had been mailed. XXXX XXXX
I settled a closed capital one credit card account with a collection agency. Capital one informed me that even though their collection agency collected and agreed to a settlement on their behalf, they would not update the closed tradeline to a XXXX  balance or settled for less than the original balance. They have updated the payment but have not cancelled the remaining debt and part of the settlement. Please help.
This debt is almost is almost 8 - 9 years old. This company called me to say that they have tried to serve me twice and they will try one more time. If they can not serve the papers the third time, they will sue me and it be an automatic judgement against me for the amount plus court costs. They said this will allow them to garnish my wages, seize my assets, and pursue other methods to collect the money. 
I told them that on some of the communications they sent me it mentioned the the debt is to old so they can not sue me. However, the lady on the phone ( XXXX XXXX XXXX ext. XXXX ) said that does not apply to the entire debt, only the settlement offer and that they have no choice but to pursue legal action to garnish my wages and maybe seize my assets. 

They said the company name is XXXX XXXX XXXX based in California. 
Their phone # : XXXXMy case number with them is : XXXX. 

Thank you for your time.
I opened personal account with XXXX phone services in XXXX of XXXX. Closed account in XXXX of XXXX. It went to collections and I wrote a couple letters and called to clarify the account was closed and I just found out it went on my credit report in XXXX XXXX. 
Account Name Account Type Account Marks Past Due Reported On 1. 
XXXX XXXX XXXX Charge off Learn More {$240.00} XXXX. XXXX, XXXX From what I understand this ALDOUS company has many complaints of false billing and credit reporting. 

My credit was excellent until this false collection was filed and I would like to have it removed. Thank you for your time and please let me know how I can have this false charge removed?
I 'm extremely exhausted with Ocwen loan servicing because they have made it impossible for me to get anything. I have been trying since XXXX to get a resolution for my mortgage which is very high at a 7.6 pct interest rate. they kept denying my application even when they told me everything was OK. on  XXXX XXXX 2017 at XXXX. I received a phone call from an ocwen employees name XXXX XXXX she a relationship manager at ocwen told me that the loan was denied so I ask why. her response to me they could n't come up with a modification because the loan is being paid monthly, and if I need a modification. I should leave the loan unpaid for 90 days, and they would give a modification, and her second option was for me to go a refinance with another bank because ocwen do n't want me as a a customer when in fact I had this house for over 10 years all I have been paying is interest rate that is very high. Ocwen have violated federal and state laws yet again by providing me with misleading information so I can lose my home, and become homeless because I 'm retired and my saving have getting depleted and ocwen have all my document. they made impossible i do n't know how long I can keep this home because they keep violating mortgage servicing rule.
I have a Perkins Loan with XXXX University, serviced by ECSI. They charge a debit card 'convenience fee ' of {$5.00} on my monthly payment of {$100.00}. This amount is unreasonable.
GM Financial was paid in full in XX/XX/2018. I have called, disputed it with the credit reporting agencies, ( XX/XX/2018 ) that the loan is paid in full but still shows open on my credit report. When I called GM ( XX/XX/XXXX & XXXX ) they states that they didn't do updates bcuz they were switching over to a new system which is unacceptable to me. It has affected my credit. When the credit reporting agency contacted them they told them it will be corrected but it's been months and it's still not reported correctly. I called XXXX again ( XX/XX/XXXX ) today & they are still giving the same story. I was also told in XXXX, I will get a Paid If Full letter, it was not generated so I requested it again today. I'm trying to get a mortgage & having 2 open car loans when I only have one is a issue. It's showing my debt higher than what it actually is. Please help. Consumers should not be penalized for XXXX XXXX issues
as of XX/XX/XXXX my XXXX XXXX credit card was reported paid in full and taken off by XX/XX/XXXX on XXXX and XXXX how ever on Equifax the account of XXXX is being reported as late and charge -off it can not be both its either paid in full or its a charge off i believe its paid in full and should be deleted this is the second complaint i have with equifax and are becoming quite tired if their illegal ways..they are not above the law ... the other reporting companies are telling the truth ..so why cant XXXX.. please correct this problem asap thank you for your time.. i have personally disputed this problem many times over but they change one little thing and say its been resolved thats not fixing the problem and i wont go away
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX, XXXX XXXX have disputed w/all XXXX credit bueraus since XXXX. Experian case number XXXX XXXX/XXXX/XXXX Experian again XXXX/XXXX/XXXX case XXXX and again XXXX XXXX. XXXX XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX case XXXX, and XXXX XXXX, XXXX, then XXXX as well in XXXX XXXX XXXX case XXXX and in XXXX XXXX and XXXX XXXX, XXXX over and over again for auto loan they state is a charge off or sold acct?? to who they only re reprted the same thing over again and never notified me they said charge off.. auto do n't charge off unless you repo a car and sell it at aution and going after the difference, this is not the case at all. I paid my car in full on XXXX/XXXX/XXXX {$880.00} and I have my titole to my car and XXXX paid in full letter w/ title.. I still have the same car today. I have done my due diligence on this and I am tired of the stress and same response that the creditor is reporting correctly. they are not and no one if moved me to another " company '' which is still their company just so they can put in on the credit report AGAIN as a XXXX XXXX XXXX XXXX my letter I have w/ title states XXXX XXXX auto finance not XXXX.by law after so many times over and over requesting a correction this item should be removed and I wish XXXX the XXXX XXXX auto loans to toff all XXXX reports to remove. I also see where all the sudden the XXXX was put on in XXXX?? my car was paid in full XXXX/XXXX/XXXX and the title letter from company is dated XXXX/XXXX/XXXX. yo can not reprt after someone is questioning their credit report much less you did it 2 years later. and again they say they charged off XXXX, yet paid them XXXX this company does what it wants and really tiredof the stress to get this off my report because of NOT being reported correctly and after multiple times trying w/ these agencies. 
like I said in XXXX wells fargo put the OTHER line of negative credit on my file and its just not correct or fair in this case, should have did it 2 years ago. 

I also thought that items supposed to be on report for 7 years, but everything seems to be 10years on my report.. all XXXX reports have so much on them tht its all 10years and this is ridiculous as well. 
XXXX auto XXXX acct number 10 years since date opened XXXX XXXX XXXX over 10years since date of last payment XXXX XXXX XXXX over 8 years since opened XXXX XXXX 10 years since date opened XXXX XXXX been over 10XXXX years since date opened XXXX XXXX over 9 years plus since date opened XXXX bank over 9 years plus I am asking the cfpb to please also remove these items, I am trying to rebuildemy credit yes they are hurting my credit but past the 7 years to stay on my credit. 

thank you
On XX/XX/XXXX18 @ XXXX, pre foreclosure actions were taken after speaking with Loss Mitigation Specialist, XXXX . 
Also, In XX/XX/2018, a cheque in the amount of {$1000.00} was mailed to me. The letter stated that I requested or someone requested on my behalf made the request for the amount of {$1000.00}. I did not make a request for this to be returned to me. Mr. Cooper personnel ( s ) made the decision to return cheque of {$1000.00}, placing me in preforclosure. 
In XX/XX/2018, a wire transfer of $ 5,000+ was made to Mr. Cooper XXXX My mortgage account was made current with this wire transfer and I resumed monthly mortgage payments. 

On XX/XX/XXXX2018, I called Mr. Cooper. I spoke with XXXX and I requested to make a partial payment of {$350.00}. I told XXXX that I would call the following week to pay the balance due. XXXX stated that this would be placed in system as unapplied fund. Confirmation # for this transaction:XXXX. 
On XX/XX/XXXX18, I called Mr. Cooper. I spoke with XXXX. I made payment of {$350.00}. I informed her that the balance of {$8.00} to be applied to the principal as the balance for the mortgage payment was {$340.00}. XXXX verbalized understanding. Confirmation # for this transaction : XXXX. 
Today, I received mortgage loan statement date XX/XX/XXXX2018. I noted that {$8.00} was applied as legal fees and adj-forbearance suspense. This is incorrect as the total monthly payment was made during the Grace period.
I was offered a refinance in the mail by a lending company. As a veteran I had intention of moving from XXXX Oklahoma to XXXX and with that wanted to purchase a new home using the second tier of my va loan entitlement. During the refinance process I was told that it would pay off the current va loan, and allow me to utilize the VA loan again to achieve my goal of property ownership in XXXX for a new job in a new location. While talking to my current loan officer while trying to obtain a new property to commit to the move in XXXX I was informed that the company did not refinance the property in the correct manner to sever the initial loan, they instead robbed me of my second tier entitlement with VA financing which has forced me into a position that I am no longer eligible to purchase a new property closer to the job and location that I desire. This is incredibly frustrating and shocking as I was blatantly lied to, this has destroyed my hopes of moving to the location that I desired. The refinance through the company did allow me to fix some much needed repairs, but ultimately t was not done in the correct manner. It seems to me that the company saw it easiest to simply use my second tier entitlement. I can not remember where I found the company, I believe it was through a letter I received as at around 1 year of ownership of my current property I received many letters in the mail from various companies offering " refinances ''. Thank you for your time and consideration to this issue. 

XXXX XXXX XXXX
Keep getting calls all day long  from Macys Blloomies and MCCS which is also Macys. I do n't even have an account with them nor does any family members. Do n't even shop at Macy 's. Every time I block the number they call on another one. From what I have read others have tried to stop them but have n't been successful so I have n't bothered contacting the company. Not sure if it is really Macy 's or  not. They just called again from this number  XXXX  and this is only  one  of tons of different numbers they use.
I received information from Gurstel yesterday XXXX/XXXX/XXXX trying to garnish my wages for a private student loan for XXXX XXXX XXXX. Per attorneys that I 've contacted there is a class action lawsuit against XXXX XXXX XXXX for their collection tactics and they 've been advised to stop all collection efforts on their private student loans until further notice. Gurstel has continued to harass me and try to collect. They are currently sending letters to my employer to garnish my wages. I am currently the head of household and this will cause a severe hardship for me. This loan is over XXXX XXXX XXXX. Please advise what recourse I may have with this company. They have added on {XXXX of interest on a XXXX  original loan. They will not accept any payment arrangements that I 've attempted to make with XXXX at Gurstel.
Hi TransUnion I have tried 7 times by fax and phone for you to remove old out dated or just no mine personal information XXXX XXXX XXXX XXXX is law office I never lived there please remove it i did not finish the address for identity reasons but you have it on file. 
inquires 6 remove I did not make these. XXXX WILL BE FORWARDING A LETTER TO YOU BY FAX WITH THE SAME INFORMATION AS THE 7 TIMES BEFORE BUT WILL HAVE A CFPB CASE NUMBER ATTACHED TO IT. the report is XXXX XXXXXXXX XX/XX/2018 update
REFERENCE:XXXX I applied for a PayPal credit card it said that I would receive a letter in the mail with your decision I received a letter and it says you could not approve me but not for a normal reason you're only reason listed was that you claim you're unable to verify my identity I have to say I'm shocked how is that possible in XX/XX/2019 first of all I have a PayPal account that with bank accounts and credit cards attached to it and all my personal information but in addition to that when filling out the application if I recall you asked for Social Security numbers date of birth I'm just not certain what more information I could have given you how is it possible that you can't verify my identity? Nobody called to ask me other questions you haven't asked for anything I mean I have a Michigan State ID obviously the state of Michigan can verify my identity I also have a passport that's been used to travel all over the world obviously the federal government can verify my identity do you need copies of those things I was born in Missouri I can even give you a copy of my birth certificate but the fact that you didn't even ask for anyting makes me sit here and just wonder and shake my head I mean I'll be honest it almost feels like you're discriminating against me for some reason what have I possibly definition and I'm assuming you pulled one of my credit reports which would have confirmed all the information I have provided
Because I continue to get repeated calls ( usually starting around XXXX & repeated every 2 hours ) up to 5 times a day, EVERYDAY, from Chase Auto Finance stating that I am 2 months past due, I have blocked several of their numbers & kept notices in my phone as evidence of the many, many harassing calls. 
After speaking with several representatives over several months in an attempt to correct the billing dispute informing them that I have my records ( money order receipts/bank statements & their own contradicting statements ) verifying my account to be current, the calls continue. I have a copy of my payment history from them showing where I 've made as much as 2 or 3 payments in one month to rectify this. NOTHING. 
Another issue is that I am also receiving ( conflicting ) statements from Chase & XXXX XXXX XXXX ( who I originally sent payments to ) & problems did n't start until Chase apparently took over. Chase & XXXX even give two disputing pay off amounts which are higher than the balance shown on my statement. 
I 've also received letters from Chase threatening REPOSSESION due to Contract Default.??? ( REALLY ) The agents said it 's computer generated but I told them that humans control the input & do n't understand why it 's taken so long to update my account & get this corrected. Chase & XXXX even give two disputing pay off amounts which are higher than the balance shown on mm statement. 

DATES & TIMES OF CALLS : XXXX XXXX, XXXX First started XXXX XXXX, XXXX.. 
XXXX XXXX, I CALLED BOTH COMPANIES attempting to get bill corrections. 

CALLS STARTED AGAIN & CONTINUES : XXXX XXXX, XXXX XXXX.. 
XXXX XXXX, XXXX ( TWO REPEATED CALLS ) .. 
XXXX XXXX, XXXX XXXX & XXXX XXXX.. 
XXXX. XXXX, 5 CALLS ... 
XXXX. XXXX, XXXX.. 
XXXX XXXX, ( 3 CALLS ) ; XXXX, XXXX & XXXX XXXX ... 
XXXX XXXX, ( 3 CALLS ) Last XXXX at XXXX ... 
XXXX XXXX, ( 4 CALLS ) ; 2 @ XXXX, XXXX, XXXX ... 
XXXX XXXX, ( 5 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 4 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 4 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) XXXX, XXXX, XXXX @ XXXX XXXX ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) XXXX, XXXX, XXXX, XXXX ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS so far already ) XXXX, XXXX, XXXX, XXXX ....
They have been contacting me for 3 years about a debt for a car I dont even drive I havent driven in 10 years Im XXXX XXXX XXXX and XXXX of XXXX XXXX they threatening my kids. And wont tell me exactly who they are.