WillisBack/dataset-financial-user-claim huggingface dataset:
Over the years I had noticed a few times it seemed money was added to my student loan balance in addition to the interest, so I started keeping my own records. I noticed a balance added with no reason when I logged in on XXXX XXXX XXXX. The week prior, XXXX XXXX XXXX my balance was {$24000.00} and I made a payment of {$300.00} ( Which would lower it to about {$24000.00} ). The week after a balance was mysteriously added to my account. On XXXX XXXX the balance rose to XXXX.I track the interest accumulation carefully and this one did n't add up. 

I made multiple attempts of getting an answer from customer service and trying several reps, in which they denied it ever happened. They told me my records were not correct, not only on that day, but they actually changed the balance amounts historically to reflect a higher amount on specific dates. I finally reached a manager after multiple attempts for and answer and hours on the phone. The explanation after extensive digging ( and denying it ) was that " they added back uncapped interest from XX/XX/XXXX'' and that it was an error in the system which effected a group of accounts, so they added it back in XXXX. I sent in a certified letter requesting the explanation in writing on XXXX XXXX, but they refused to provide it. They would only call an offer to explain on the phone. The real thing to consider is ; how many other times have they done this and not been caught? This could have happened multiple times and who knows how many students. Adding money 3 years after the apparent system error did not sound believable to me and it took a long time before getting an answer.When I graduated I owed roughly {$24000.00}, over years of being underpaid from corporate greed the balance grew to {$31000.00}. Finally with a better income I was able to pay it back down to the original amount. How many other times they discretely added money in there we may never know.
To whom it may concern : In  XXXX   2016    I was engaged in trying to get a loan modification with  Select Portfolio Servicing a nd they denied me and gave me the run around. They denied and would n't approve me for a loan modification. I .hired a real estate agent and they started to market the house for me so that I would n't lose it to foreclosure. We placed it on the market with a real estate agent so that I would n't lose the equity to foreclosure. I currently have a bonefide offer on the property, with proof of funds from a qualified buyer. I have included with this, proof of funds, settlement statements, real estate purchase contract with addendum 's. Every time we have called and tried to get a postponement and sell the house they tell us they wo n't postpone the trustee sale. I 'm paying the loan off in full and they are not allowing me to sell the property and get my equity. I feel they have been very deceitful, dishonest, and misleading me for the past 6 months. Please help me postpone the trustee sale so that I can sell the house and pay off all lien holders in full.
Hello how are you my name is XXXX XXXX and everytyme I ask for a dispute of the addresses on my credit it never gets deleted some of those addresses does not belong to me and some of them are old and is not supposed to appear on my history I ask for them to be disputed and my correct address that should be on my credit is XXXX XXXX XXXX. 
XXXX tx,XXXX My name is XXXX XXXX XXXX my date of birth is XX/XX/XXXX Can the old addresses be removed they are negative and incorrect thank you
I received a call last Thursday from XXXX XXXX XXXX XXXX located at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IL. The woman said there was a suit about to be filed against me and used intimidating tactics to try to get me to pay for an old debt that I had paid off years ago. I told her that and she refused to accept that. The call ended into a shouting match and I hung up. I receive these calls several times a year. They result from these XXXX XXXX firms buying old Credit Card companies Write Off lists with consumer info such as credit card company and social security number. They then try to coerce you to pay it off or be sued. They are thugs on the phone! I even had one company in California put a collection on my credit report. I had to contact my State Attorney General to get it corrected on my credit files with the three credit bureaus. I'm sure you know that the Credit Bureaus are very difficult to deal with. Why can't the CFPB do something to stop these predators from operating these scams on innocent people. You can do a XXXX search on the above mentioned company and see all of the complaints lodges against them. Why are they allowed to be in business? 

XXXX XXXX XXXX XXXX XXXX
Hello, i am writing with respect to the recent Equifax hack. I am a victim of this hack but I do n't feel like I am receiving the help I need. Equifax has offered my only one year of credit monitoring but I need lifetime free real-time monitoring of my credit reports. 

This hacked data is never going to be removed from the internet so why should Equifax be able to get away with offering only one year of free credit monitoring. This awful situation is due to their negligence and they should at a minimum be required to offer me free lifetime real time monitoring of my credit reports. 

I hope there is something that can be done to compel Equifax to step up their game and get serious about helping the people they 've hurt with their negligence. 

Thank you, XXXX
I paid off my capital one credit card and closed the account. I received notification from a collections agency of a transaction on my capital one account now in collections. I immediately called Capital One and XXXX XXXX stated that Capital One closed the card due to a transactions XXXX came through and they did not receive payments. I explained that she can see I paid the account off and closed the card. She stated that I did pay off the account however the account was NOT closed per my request. She said because the account was not closed the transaction ( s ) from XXXX were allowed. I requested to file a cardholder dispute because I did NOT authorize this transaction ( XXXX ) XXXX ( when I called XXXX they advised me to file a dispute with my bank ). Initially, I was advised that I had no dispute rights because the account was closed which per my research is n't fair. I was then advised that is a violation of Reg-E so I called XXXX XXXX back and she then stated that my dispute was declined. I could not get a straight answer as to if a dispute was even filed so I mailed multiple requests for documentation/proof/explanation/etc. and I have never been contacted. XXXX XXXX has not returned any phone calls I have made since XXXX 2015. NO emails, no letter XXXX XXXX ) in the mail, not even a phone call from Capital One. The first time I heard of this transaction and delinquency was from a collection agency. I did not review account because I CLOSED THE CARD AND THOUGHT NO CHARGES WERE POSSILE : ( At this time I am asking for your help because I need a response from Capital One in writing to determine how I am to proceed. I would have already gone to small claims but again, I need a response from Captial One to understand why my account was n't closed per my request upon submission of my final payment bringing the account to a {$0.00}, why was I declined the right to file a dispute on this transaction multiple times? If a dispute was filed, then I want to see the documentation from the association so I may use that should I need to pursue XXXX for these funds, if a dispute was NOT filed I need to understand why capital one would do that when it is my right to file dispute for unauthorized transactions, why was I not notified of the delinquency of the account when I clearly paid the account to a {$0.00} balance, why has n't Capital One responded to any of my emails, phone calls and mailed correspondence requesting assistance. Lastly, why would n't capital one call me when they could see my account history was a {$0.00} balance and instead allowed the unaccessed account to accrue charges and only then did they follow through with my ignored request and close the card? Please, please, please help me, I worked really hard to get my credit in good standing and this has brought me right back to where I was through no fault of my own and they refuse to respond. Their lack of response is astonishing and I have no where else to turn until I get some answers and documentation. Thank you for your time and consideration in assisting me.
My credit for all  XXXX  bureaus is always locked until I unlock them. Recently, I decided to buy a new car, so on  XXXX   XXXX  I unlocked all  XXXX  reporting bureaus so that the car dealers could access my credit. I removed the freezes for just  one  day.  XXXX   XXXX  and  XXXX  automatically re-froze my credit on  XXXX   XXXX , but Experian would not do so even after I called them to do it. They are leaving it unlocked until I sign up for their credit-monitoring service that will coast me {$24.00} per month. I have appealed to them to freeze it up, to lock it up but they are refusing to do so unless I become a member of their credit-monitoring service. They keep sending me emails that my credit is unlocked. This is intended to frighten me into joining their credit-monitoring service. This is blackmail in the literal sense and has to be illegal. I simply want them to freeze my credit up again.
I DISPUTED THIS DEBT WITH XXXX XXXX XXXX AND REQUESTED VALIDATION, THEY SENT A LETTER SHOWING THE CREDITOR ONLY AND THEN VERIFIED THE DISPUTE AS INFORMATION IS CORRECT. THE INFORMATION IS NOT CORRECT ACCORDING TO THE FCRA THIS LETTER THEY SENT IS NOT A DEBT VALIDATION FOR BOTH XXXX XXXX XXXX AND XXXX XXXX I HAVE NEVER SIGNED ANY TYPE OF CONTACT WITH MXXXX XXXX XXXX AND NEVER RECEIVED PROPER DEBT VALIDATION
On  XXXX   XXXX ,  2017 I re ceived written notification of balance owing for the amount of  XXXX . Payment to be received on or before  XXXX   XXXX ,    2017.  I was unable to attend my  XXXX    XXXX   due to  Holiday  on  XX/XX/XXXX  of  XXXX   XXXX . On  XX/XX/XXXX , my  XXXX    XXXX   closed at  XXXX   XXXX . On  XXXX   XXXX ,  2017,  I was informed that there were additional fees associated with the private loan as this loan accumulates at 4.5 %. On  XXXX   XXXX ,  2017, I  sent out a payment in the amount of  XXXX  to be received on or before  XXXX   XXXX ,    2017 t hrough overnight delivery with  XXXX . I also informed company that I will only be paying the amount owing stemming from the written notification received on  XXXX   XXXX  , 2017. Ne w statement received indicates balance owing to be  XXXX . I have contacted company and have left a message with Manager handling my collection account.
I am currently going through a divorce. Per my divorce decree ( not yet finalized ) I need to have an assumption done on my mortgage to remove my wife, XXXX XXXX XXXX XXXX XXXX, removed from my mortgage as the secondary borrower. 

I called Loancare on XX/XX/2018 and spoke with a customer service agent who told me that there was nothing that I could do and that I would have to refinance my mortgage with a different company. I then logged onto the FHA website and read him a passage that proved that he was incorrect. He then hung up on me. 

I called Loancare back on XX/XX/2018 and spoke with a customer service agent who told me that what I needed to do had to be requested in writing and provided me the email address to send my request to. 

On XX/XX/2018 I sent an email to Loancare requesting an assumption. 

On XX/XX/2018 I received a response from Loancare issuing reference number XXXX. The email requested my account number ( which I had clearly provided in my initial email ) and I replied with the requested information. 

On XX/XX/2018 I sent another email because I still had not heard anything. 

On XX/XX/2018 I called customer service and spoke with an agent who apologized, took my information, and told me that someone from that department would be in touch with me in 3-5 business days. 

On XX/XX/2018 I called customer service again and spoke with an agent who said there was no record of my call on XX/XX/18 and that they would submit the request again. 

On XX/XX/2018 I called customer service and was informed of an " unusually large call volume '' and provided my phone number for a call back when it was my turn. I never received a call back. 

On XX/XX/2018 I called customer service again and was informed of the same " unusually large call volume. '' I again provided my phone number and again I still never received a call back.
XXXX XXXX XXXX has incorrect hard inquiries on my XXXX, Experian, and XXXX  credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, Experian, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
XXXX sold my loan to penny mac back in XXXX 2015 the loan was almost 2 half yrs old there now saying that I owe them 2 months of escrow, have not have had any increase in tax or insurance when i originated the loan I paid 2monthes up front so why are they asking for more money in escrow. there reply has been u need to talk to XXXX,,,
I disputed a charge for {$52.00} on my account ending in XXXX. Charge is dated XXXX/XXXX/XXXX. The dispute was opened on XXXX/XXXX/XXXX. I supplied proper documentation to the merchant explaining what was ordered and that the order was never complete. On XXXX/XXXX/XXXX I received a letter saying that the bank is unable to process the dispute and will not help me in obtaining a permanent credit. The bank refused to open a dispute and instead said they can not help me. I never received what I ordered, and the bank is refusing me further assistance in the matter.
Chase Bank. 
Checking Account. 

On or around XX/XX/XXXX, I was alerted that my Chase account was overdrawn. I quickly made a check deposit online for {$200.00} to resolve the negative balance. It was my indication that the check would post the following business day XX/XX/XXXX. 
On XX/XX/XXXX I made several purchases including my medication at XXXX. Come to find out Chase had put an 8 DAY hold on a check they already knew was good. As a result I was charged 3 {$34.00} NSF fees which resulted in my balance going negative. I called Chase and the hold on the check was released, I was told the hold SHOULD NOT have been placed. I sent Chase a message via their secure message service requesting a refund of the NSF fees, I was essentially told I don't " qualify '' for a refund. I've been a Chase customer since the 1980 's, I've deposited $ 10s of thousands of dollars to them. I've recently been the victim of a theft from my Chase accounts. All I'm asking for is a measly {$100.00} refund.
I had an account with XXXX for internet services While living in my RV at an RV resort during my move from one state to another. I moved the RV to family estate property and contacted XXXX about the move and asked to transfer services to the new living area. I continued to pay on the account as usual without fail and on time. Then XXXX tells me I owe and an account was delinquent. We ( XXXX and I ) on a phone conversation discover that XXXX created a second account instead of transferring the already existing account to the new town I moved to. Not my fault, not my error. Due to the mishandling of account and poor service quality I terminated my business with XXXX. The one account was paid in full and there was no issue there but XXXX put the account they erroneously made into collections. An account I never used nor had knowledge of. They then wrote off the account and sold it to debt collectors. Not ONE but TWO. XXXX XXXX and ERC ( enhanced recovery company? ) Both reported the negative information on my credit report AND for different amounts. {$120.00} for ERC and {$160.00} for XXXX. I disputed them when I discovered them and the credit burrows had it removed as it was duplicate. That was XX/XX/XXXX. On this day XX/XX/XXXX I get a letter from ERC now asking for {$590.00} or they will report it AGAIN on the credit report. <P/>If XXXX wrote it off and sold it to a debt collector why are there two collectors reporting different amounts and how can a debt collector report a bogus claim multiple times? <P/>What is going on here? How is this kind of extortion allowed to take place? How can one item be allowed to be reported multiple times? As a 23yr XXXX XXXX veteran this is what I worked for? So a company that created an error can tell me to pay for a service not used under an account I never knew existed and then it gets reported to multiple debt collectors which in turn hit my credit report multiple times for the exact same thing that should n't exist in the first place?
Received a letter on XX/XX/2018 from Radius Global Solutions LLC trying to collect a debt for {$150.00} with XXXX XXXX that is in good standing and NOT in default. The account is closed but payments are being made. I believe this company is trying to scam people into thinking their account is in default. I requesting that XXXX XXXX be contacted so they can confirm my account is in good standing. XXXX would not be sending statements if I was in default.I have attached the last statement from XXXX.
I opened a brokerage account with XXXX and through the USAA process, transferred funds into that account. However, after USAA approved this ; they denied the transfer of funds. However, since then, USAA has questioned several deposits from my old XXXX account into the USAA checking account. These transfers were from my brokerage account. The rep called me today ( XX/XX/XXXX ) and suggested that I made criminal activity into the account from XXXX. This was an individual account that I had for 17 years, duly reported all income from that account to the IRS - yet USAA has for now, more than three weeks and with two employees and one manager implied directly that I was conducting criminal activity in the account by transferring to and from my brokerage account. This has to stop. It has become harassment. I am a retired XXXX XXXX XXXX veteran. I am not a criminal. Yet, after following all of USAA 's processes - they turn the tables and accuse me of being a criminal ... now, three times. I can prove the account with XXXX is legitimate ; provide all Schedule D 's to the IRS. How do we prevent financial institutions from accusing people that deposit small amounts of money ( realizing we are not all wealthy bankers ) into our checking accounts from brokerage accounts.
SageStream LLC evidently does n't now know and report, even after my telling them, what every other reporting agency has known sinceXX/XX/XXXX2016. That 's when my disagreement with XXXX XXXX XXXX was finally settled and the judgement, which never should have been processed, was removed.
Yet SageStream LLC persists in damaging my credit rating nearly a year and a half later. I was just denied a loan because of them.
My score with XXXX is appro
x XXXX. SageStream appears to suffer more than a lack
of due diligence. They seem unwilling or unable to function as they 've been authorized to function.
Please do a web search to find numerous similar complaints.
I 'm asking that their licence to practice their profession be reviewed. It 's a systemic problem. I 'm told that " most credit card applications are checked th
ru SageStream LLC. so they are positioned to do a lot of damage to customers. Every legitimate entry that has been on my record have been medical bill that the VA Choice progra
m eventually pays.
I keep getting calls from this company - Portfolio Recovery Associatess- calling for my DECEASED EX-MOTHER-IN-LAW - XXXX XXXX XXXX 
She passed away over FIVE YEARS AGO. HER DEBT HAS NOTHING TO DO WITH ME. 
I DIVORCED HUSBAND 10 years ago. 
THEY ARE ALSO CALLING MY XXXX year old daughter. Which is upsetting her every time they call about her grandmother, who she misses dearly!!!! What is wrong with these people?!!! 
Do I need to hire an attorney?!
First National Collections purchased this loan from XXXX. I informed them that someone opened this account at a address which does not belong to me or never resided at and advised them to validate and verify. First National Collections has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.
I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my Trans Union report please remove / delete the the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
This letter is dispute to a collection account from Portfolio Recovery Associates that has been in my credit files for several years. The Original acccount is from XXXX My problem is that this same collection item from Portfolio Recovery has been consistently re-reported to my credit file every few months since XXXX, as if to give the impression that this collection has JUST happened each time, most rexcently on XXXX/XXXX/XXXX. I know that collection agencies, specifically Portfolio Recovery does this re-reporting of the same account because new collections on a credit report causes a dramatic drop in your credit scores. I also know that this is a tactic that some collection agencies use to force customers to contact them. This new activity has been even more aggressive because this item has almost reached its date for removal from my credit fle. The problem is that this is a violation of the Fair Credit Reporting Act, and it is illegal. 
This collection account is scheduled to continue on record with XXXX until with XXXX XXXX until XXXX XXXX, and XXXX until XXXX XXXX. 
I have been meticulous in making sure that i resolve all issues that are resolvable to get my credit scores back up, however on this particular account every time i get into the XXXX ranges Portfolio Recovery re-reports this item for a XXXX point or more reduction in all my scores. This is not fair and the satatus has not changed