WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX has been reporting to all three credit bureaus since XX/XX/XXXX. I have been requesting this company to verify the debt they claim I owe them. I have disputed with all three credit bureaus and none have provided documentation. ARS collection company has sent me a letter stating they understand I am disputing the information to be verified and they just stated in the letter that it was verified and mine. They state on my credit report that the original creditor is XXXX XXXX XXXX XXXX XXXX which I have no knowledge of ever being seen by anyone by this name. Further more I was working and had medical insurance through both my employer and a secondary insurance plan with the VA because I am veteran. This has been going on for 5 months now and really causing a hardship because of this inaccurate information on my credit reports. XXXX   actually removed the debt on XX/XX/XXXX but added it back to credit profile on XX/XX/XXXX.
My student loan is with NAVIENT, I have called several times about my loan and each time they could not offer me an affordable plan so they only offered forebarance of my loans. The interest just kept adding up and now they are almost double. I have called 4 times in an attempt to agree to a payment, each time i call i am given a different amount to pay. The last amount i was given was {$170.00} which was not easy for me but i did not want to continue on this path of not paying. I received several bills for over {$1000.00}. it does not add up. When i call about it they always give me a new number to pay and send a bill for way more than that. Something is not right here and something needs to be done about it. They have also been unable to produce the note to my loan. " it has been coming in the mail '' for quite some time.
I opened several accounts at the XXXX, NY Chase branch on XXXX XXXX : checking, savings and XXXX credit cards. I already had a credit card with them. I completed all the documentation with the banker and provided all the original ID required ( SS, driver license, passport ). He scanned everything and I went home. He called me the next day and said he forgot to ask me to write my name on some form. I went back to the branch, completed a brand new form and left. A month later, I received a letter from Chase saying they coul n't verify my SS. I called them to ask what it was about since the banker had had my SS twice in his very own hands and scanned it twice. I had to complete another form and I took it ( again ) to the branch. The banker called the service responsible for this situation and asked them what he should do. They told him to send ( again ) the form with the scanned SS and other ID, which he did in front of me. After wasting a few hours on this matter, I thought the matter was settled for good. 

On XXXX XXXX, I checked my accounts on Chase website and discovered my XXXX credit cards accounts had been closed without any warning. I called customer service and they were unable to give me a reason why they would do that. On XXXX XXXX, I went to the local branch, my banker called them and those idiots said they had n't received the completed SS verification form that was sent them THREE TIMES. So I completed the same form all over again, the same banker scanned the same SS card and send it to the same idiots. My banker apologized profusely and told me everything would be back to normal within two days ( that is what he was told over the phone ). The next day, I discovered my banking and savings accounts had also been frozen without any reason nor warning. 

I finally received on Friday XXXX letters, XXXX dated XXXX XXXX and the other without any date, stating my accounts had been frozen and/or closed because they could n't verify my SSN. Fed up with wasting my time going to the branch, I called my banker so he would take care of the situation. He went back to me and said my checking and savings accounts had been unlocked and the credit cards would be restored within 5 business days. That should have been on XXXX XXXX, over a week ago.
I have called the company to resolve such a huge debt. I had only used about half of the {$500.00} credit limit originally back in the Fall of XX/XX/2017. But, eventually I lost the card and someone was using it causing it to overdraft to over {$5000.00}. I talked with Discover multiple times explaining to them the situation, but they kept ignoring the issue and wanted me to pay all of them overdraft fees that occured due to the lost of my card. I had even put a freeze on it and they changed the account number at least 2 times trying to offer me a new card which I declined. I only want to be responsible for that {$250.00} I used on the account, no late charges or anything. Just that amount.
There is a XXXX account listed on my credit file as if I had a credit card and did n't pay in the last couple of year which is NOT accurate. I have disputed this several times and only received a collection notice which is not validation. Please help
I have multiple student loans from medical school that are serviced by Navient. Two federal student loans ( in one billing group with one due date ) and three private students loans ( in a second billing group with a different due date ). Despite the fact that I send my two payments automatically from my bank ahead of the due dates each month, Navient continues to misapply my payments between the two groups and subsequently hassles me with phone calls and emails saying that my accounts are past due. This has happened REPEATEDLY over the past few years. I just got off the phone with Navient AGAIN after discovering that they had incorrectly applied myXX/XX/2018 and XX/XX/2018 Federal Loan payments AND my XX/XX/2018 private loan payments! The only way Navient will guarantee the correct allocation of my payments is if I consent to direct debit from my personal checking account each month. I am reluctant to do this due to experiencing identity theft in the past and breaches of my personal data ( including my social security number ) by other large financial institutions. I have verified the correct payment addresses, due dates, account and billing group numbers, and amounts for all of my student loans. My bank sends the checks and they arrive before the due date automatically each month. Navient should be able to correctly apply my payments. I am doing my part as a consumer. They are NOT doing their part as my lender. I have had several Navient customer service representatives tell me that this is a frequent problem for their customers. NOTE : because I have accepted electronic correspondence from Navient, I no longer receive paper statements. Most of their communication regarding the erroneous past due payments is via voice mail and email. These communications do not specify the reason for the call, they simply instruct me to call Navient. Therefore, I do not have any helpful documentation I can upload. I have pages and pages of handwritten, personal notes that I could transcribe if helpful.
My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX On XX/XX/XXXX I started working for XXXX XXXX services In the state of XXXX . I had worked for them 5 years ago under the name XXXX security in the state of Kentucky. They reassigned me the employee ID number I had 5 years ago. My check had been garnished by XXXX XXXX, attorney at law in XXXX, Ky on behalf of XXXX XXXX Hospital, also in XXXX, Ky when I had worked for XXXX XXXX. The Garnishment started back up when I went to work for XXXX security services this past XX/XX/XXXX. 
on XX/XX/XXXX I contacted XXXX XXXX Hospital and was told that I had no active accounts there, so XX/XX/XXXX I contacted XXXX XXXX 's office and was told by a representative there that they had turned the account over to Central Kentucky Collections in XXXX, Ky. The representative for XXXX XXXX also said that they had not received any kind of payments from Central Kentucky Collections.on XX/XX/XXXX I contacted Central Kentucky Collections and spoke to a representative and he told me that, that account had been paid off since XX/XX/XXXX, but he would take notes and send then to XXXX XXXX, owner and manager or Central Kentucky Collections, on XX/XX/XXXX I called Central Kentucky Collections and spoke to XXXX XXXX and she told me she has been sending payments to XXXX XXXX 's Office for accrued interest and court costs.There was no more mention of the account being paid since XX/XX/XXXX. So I decided to file a complaint with you all because it seems like Im getting the run around.
DEBT RECOVERY SOLUTIONS , LLC, XXXX XXXX, XXXX, NY XXXX : ( XXXX ) XXXX is reporting a {$0.00} balance on for an account # XXXX on my credit report that has already been paid to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX for the same account. The account with Debt Recovery Solutions was disputed with XXXX as not belonging to me as the debt has been paid. The amount on the report was {$600.00} and was updated to {$0.00} but still remains on my report. It is incorrect to for the Debt Recovery account to remain on my credit file as this debt was never paid or owed to them.
This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Transunion was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.
Being charged on an account that was closed in good standing. Purchased auto after lease. Paid in full. Never any missed payments No outstanding liens with the state it was purchased
I issued a Qualified Written Request to my servicer in XXXX. Shortly thereafter the servicer requested an extra 15 days to respond. Servicer still has not responded and has gone well beyond the 15 days requested. In addition, when I requested a mortgage assistance package I was told by a representative of the servicer that I would not be allowed to apply for assistance. Instead of responding to the Qualified Written Request or allowing me to apply for mortgage assistance, the servicer has scheduled a foreclosure sale. This is the preferred method of offering assistance with my servicer - Select Portfolio Servicing.
In approx XXXX, I refinanced my home mortgage of approx {$200000.00} and began making monthly payments of {$1000.00}. Within 3 or 4 months this mortgage was sold or transferred to a sister company who started hounding me for the payments. I went to the excruciating experience of making contact with the new company and patiently explained that I had never received any notification from the original mortgage company with which I had signed the mortgage that the mortgage had been sold/transferred and that until I had such documentation I was in no position to send them my payments. 
The new mortgage company thereupon sent me a letter from the original company with thew necessary notification.I changed the destination of my payments and all got straightened out ... until the next sale/transfer of my mortgage. 
This happened approx 6-9 months after the first such transfer. And of course, it happened in the same manner - no notification from the mortgage holder, only letters from the new company demanding payment. So I went through the drill one more time. This time it lasted for approx a year until this third company sold my mortgage to Seneca Mortgage. After this sale, I ended up speaking to a XXXX XXXX XXXX in their problem resolution department and explained once again my simple request for documentation from the loan holder of record that the mortgage had been sold and to whom. Upon receipt from XXXX XXXX of the required documentation, I sent him a check for the XXXX payments involved in the messy transition, and arranged for automatic monthly withdrawals for subsequent payments. 
Very shortly after sending XXXX XXXX my check in XXXX XXXX, I received a letter from Seneca Mortgage advising me that my payment should be ca. {$2900.00} per month itemized as the loan payment of {$1000.00} plus a tax escrow and a payment of approx {$600.00} for homeowners insurance. To say this XXXX me off is a major understatement. I immediately contacted XXXX XXXX XXXX and reminded him of the insurance information I had previously provided him and he indicated he would get in touch with the bureaucrat now assigned my mortgage and get things clarified. I then forgot the Seneca Mortgage Disorganization. 
For approximately the last year, Seneca Mortgage has made numerous phone calls to both my land phone and my cell phone. Each time I ( usually politely ) advise them that I would love to speak with them but they do NOT have my permission to record our phone call. They whine that they do not have the ability to make unrecorded phone calls, which is a lie since my calls with XXXX XXXX XXXX were on an unrecorded line - a XXXX of mine to which the law entitles me. 
Recently I employed a lawyer to contact Seneca Mortgage and find out what in the XXXX is going on. I am advised that since XXXX of XXXX, Seneca Mortgage has been returning my payments because they for some reason are no longer willing to accept my electronic transfers ans as of last month have placed my mortgage in foreclosure. 
This makes me livid. Apparently making monthly payments on time every month by bank check is no longer sufficient to service a mortgage.
I and my wife who is now deceased as of XX/XX/2016 applied for a second mortgage and was accepted by Bank of America at 11 % Because of high interest at that time we accepted the Loan. I am XXXX years old with social security and civil service pensions, Since my wife is deceased I no longer have her income to make payments. I recently applied to Bank of America at XXXX XXXX XXXX XXXX FL XXXX, XXXX for a loan modification to reduce my interest rate and payments, and was refused. I believe that the reason that the bank refused was that I am XXXX XXXX with a postal address in a city of predominant XXXX population. My Post Office zip code is XXXX XXXX XXXX IL, although my home is physically located in XXXX Illinois. I believe that all of the homes located in XXXX XXXX XXXX are appraised below their actual value because of XXXX occupancy. I am a veteran with service twice and am XXXX  XXXX XXXX XXXXXXXX.
Equifax mishandled personal information about me and 134 Million other Americans. Now, in order to protect ourselves, we 're forced to pay these credit score firms to freeze our credit. This should not cost any money to us, the victims. They make money off of our information and when they risk our financial safety, we have to do all the work and pay them. This is absurd!
My complaint is directed towards Regional Acceptance Corporation. I have had a loan with them for two years. My outstanding balance is not going down at all and they charge {$10.00} per day that the payment goes past the due date. In my particular situation, I had poor credit due to a loss of a job which in turn I lost my house, car etc ... ..this is the only company that would accept me, this is something I HAD to do as my mother was ill and I had to travel long distance every weekend to care for her. I lost my mother in XXXX of this year and due to the travel back and forth became late on my payment, I have never been 30 days but sometime close. My monthly payment is {$500.00} on a XXXX XXXX XXXX, now they are charging {$10.00} PER DAY late fee plus their late fee, the loan is not moving! It will never move, I will be paying this for the rest of my life! My credit is now in good shape, I just received an approval letter for a home loan, I tried to get a modification with Regional Acceptance and they said they do not do modifications! I was approved with my credit to refinance for {$200.00} less per month BUT my loan is under water and no one will touch it! The car value is approximately XXXX and I owe XXXX!!!! This is out of control! It has to be against the law somewhere for these people to take advantage like this. They are all over the web with similar complaints.
In XXXX and XXXX of this year, I contacted Equifax, XXXX and XXXX online to dispute an account with XXXX XXXX that meets the requirements of " Credit reporting time limit ''. I am a single mom of 3 trying to purchase a home and this is the only account that is affecting my credit. This is an account that was paid off almost 8 years ago, but unfortunately I do not have a receipt because I went through a divorce process and can not locate most of my paperwork for old bills. XXXX and XXXX  immediately deleted this 8 year old account to my satisfaction and my score is in the mid 700 's now with both of them. With Equifax I have disputed it TWICE and I even told them that by law, credit bureaus are only allowed to list negative items for a certain amount of time, and the XXXX account meets and EXCEEDS the time limit for negative information. Please help me in resolving this issue. I don't understand why XXXX and Equifax keeps violating the Fair Credit Reporting Act.
On XX/XX/2018 I paid the amount of {$3200.00} to XXXX from a " Balance Transfer Convenience Check '' from my XXXX credit card account. 

The check was in fact cashed by XXXX on XX/XX/2018 and XXXX provided me with a copy of this cashed check with XXXX XXXX XXXX account number stamped on the back AND so there is no doubt that they RECEIVED and CASHED this " Balance Transfer Convenience Check. '' However, they refuse to post it to my account. To aid in the process I faxed them # 1 Their cashed check # 2 The proof that it had also posted as a balance to my XXXX account However, they just keep saying : " That they did not receive the fax ( even though I faxed it 3 times ) and that they still have no idea where their cashed check is. I am now paying interest on the {$3200.00} but it remains not credited/posted to my XXXX and I can not seem to find a resolution with them.
Re : case # XXXX Capital One agreed to a settlement amount on XXXX XXXX in the amount of {$850.00} This amount was paid in full to the recovery department on XX/XX/2015I spoke to XXXX XXXX on XXXX XXXX, 2015, and explained to her that Cap One is still showing a balance of {$120.00} on my credit reports for this account.The settlement as stated in the agreement was to report a zero balance after paying the {$850.00} I have asked that this be reported correctly today, as their inaccurate reporting is affecting my credit scores.
Hello, I transmitted XXXX $ to recipient in India via Remitly ( https : //www.remitly.com ) on XX/XX/XXXX. Money was supposed to recvd by recipient with in 24 hours.

As of now, XX/XX/XXXX, recipient still has not received the money.

I called them about the customer service, they asked me to provide them with bank statement which was provided to them on XX/XX/XXXX.

I have been repeatedly calling them almost every other day ( plus I have emailed them ), all they tell me is, that they are waiting for a reply from their partner bank.

I have asked them to provide me a number of someone sitting in USA, they have not provided me that.

I have asked for a refund, but again the same answer, that they can not do anything till they receive a reply from partner bank.

I really don't know what to do for this is customer harassment.
CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Reporting to credit XX/XX/2017, Negative impact to my credit by credit collection services. I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts XX/XX/2017, no valid response recieved
MY BOA MORTGAGE IN XXXX XXXX WAS {$790.00}. BOA THEN INCREASED IT TO {$1100.00} BEGINNING XXXX XXXX. IT WAS AN INCREASE OF {$340.00} DUE TO AN ESCROW SHORTAGE POSSIBLY. SO I PAID {$4500.00} FOR XXXX, XXXX, XXXX, & XXXX XXXX. 
ON MY STATEMENT I SEE THAT THEY PAID {$710.00} FOR COUNTY TAXES. 
I FILED A PREVIOUS CFPB COMPLAINT DUE TO THE {$340.00} INCREASE ISSUE. XXXX XXXX BOA INFORMS ME THAT MY MORTGAGE IS GOING TO BE {$890.00} BEGINNING XXXX XXXX. 
HERE 'S MY QUESTION ... .WHERE DID MY {$4500.00} GO? BOA PAID A CO TAX BILL OF {$710.00} AND TOOK CARE SUPPOSEDLY OF AN ESCROW SHORTAGE ... UNKNOWN AMOUNT ...??
In 2007 I had taken out a home equity loan in the amount {$100000.00} at a interest rate of 7+ % over a 30 year term at a {$690.00} per month payment. I still have my first mortgage, which is through the same bank, Citibank, which I am paying approximately {$1100.00} per month. I 've been trying for over a year to gain a modification from Citibank, because I am now XXXX years old, living on a fixed income. I 've suffered a XXXX over a year ago and had to let go of my second job, which limited my income drastically. My wife whose XXXX income is less than {$8000.00} per year is not able to assist me. This is my second time around in applying for a modification with Citibank, but they keep giving me the runaround, asking for the same documents repetitively. I feel they have no interest in helping me modify this mortgage. As a XXXX, I am requesting the CFPB to help me in getting this modification accomplished.
TD Finance continues to call for a XXXX XXXX that no longer has this phone number. I obtained this phone number several months ago. I have asked politely that this number be removed from their calling list as this individual no longer has this number. 
I have requested twice that TD Finance discontinue calling this number for XXXX XXXX. But I received another call on XX/XX/XXXX, XXXX XXXX, from TD Auto Finance : XXXX. 
I attempted to call but unable to obtain customer service because I am not a customer with this organization. I have twice requested they cease already. 
I feel I have been patient but now consider these calls annoying and harassing and for no reason because TD Finance refuses my request. They are calling an incorrect number.
I was charged {$14000.00} for a {$3000.00} vehicle with a payment of {$410.00} per month. Also, I under paid a payment by {$19.00} and have been constantly harassed and threatened by XXXX XXXX  and peoples commerce.
XXXX   XXXX  Navient or  XXXX   XXXX  at the time, put me in forbearance and never bothered to tell me I could get on a repayment plan, after the all my forbearance was used trying to get a job, they finally after almost defaulting and ruining my credit decided they would inform me of the lower payment plans, which I agreed to to avoid defaulting which was still difficult to pay, now in  XXXX  I was Ill and lost my job so now I have no forbearance because they told me to use it in  XXXX , so now I 'm behind 2 months and they harass me every hour of the day till I pay them or agreed to pay them on a certain date. And the lower payment plan is ridiculous still almost as much as a average car payment. It 's stupid they did n't even try to help me at all in fact it seems like they steered me toward using forbarence so they could take it away that option later as far as a loan servicer they seem to have no interest In helping you or do they seem like they care at all, they also like call with threatening phone calls dozens of times a day  XXXX  to  XXXX  every hour every day. They even have called my relatives and got aggressive with them people who have no business In the matter I 'm not even sure how they got there numbers