WillisBack/dataset-financial-user-claim huggingface dataset:
TRANSACTIONS, NONE. I did this XX/XX/XXXX after M & T bank beat me for {$80.00} on a technicality. Despite having definitively placing my account in a no overdraft protection status. M & T has once again paid something on my account and are attempting to justify charging me nsf fees for the overdraft by claiming this as a recurring payment versus a one time payment. Which it is n't and never has been. I pay this manually based on the months that I want the service, if you notice on the account for this vendor, it 's paid on different dates of the months that I use the service. When I placed my account in a status of declining overdraft protection, M & T bank did n't tell me I needed to specify transaction types in which I wanted no overdraft protection. No overdraft means no overdraft, does n't matter the type of transaction.
My XXXX mortgage payment was made to Ditech Financial on XXXX XXXX in the amount of {$1600.00} on the online Ditech bill pay feature on their website. The website only allows you to enter the account number and routing number one time into their payment system when entering the payment. I provided the payment information and selected confirm payment. I received a confirmation email advising payment was submitted. On XXXX XXXX I received a letter in the mail advising me that my payment had not been applied and that I had been marked as 30 days late and a late fee was applied as well. I had the money in my bank account and because a XXXX was left out inin the account number section, my payment had been rejected. I immediately contacted Ditech to advise that I had made my payment on time & had I known before hand that the payment had not gone through due to the omitted XXXX in the routing number, I would have resubmitted the payment before it was marked late. I then made a double payment over the phone. 

The online system at Ditech does not allow the customer to entering the routing number twice to make sure the numbers are correct in order to prevent any errors. Ditech did not contact me by phone after the payment did not go through and and I did not get an email either. Since a letter was sent instead and it arrived causing the payment to be reported as 30 days late. When I asked Ditech to remove the 30 day late notice, they advised that they would not do this. I have paid the late fee, and having the 30 days late has caused my credit score to drop by 80 points. I have small children and the area I currently live in has become more rampended with crime.I am trying to buy a house in a better area, and now the 30 day late is causing me to not be qualified to buy a home. I have never been 30 days late on my mortgage with Ditech. 
If needed a bank statement can be show showing the money was available on XXXX XXXX for the payment.
Invoice # XXXX from XXXX XXXX XXXX, Fl XXXX Date of service XX/XX/XXXX All XXXX bureaus are reporting this account as open. 
This account was paid off XX/XX/XXXX by credit card ending XXXX The address this statement was sent to was XXXX XXXX XXXX, Fl XXXX I have since moved, my new address is XXXX XXXX XXXX, FL XXXX Please help me with this so my correct information will be posted to my credit report. Each bureau states this account is being disputed. But none of them are showing the account as being paid. 
Thank You XXXX
I received a direct mailer from Citibank offering a Costco Citi XXXX with 0 % APR. In addition there is printed offers in stores and the offer is still on Citi 's website. 

I received my Costco Citibank card and discovered on the 1st statement that Citibank is not honoring the 0 % APR.
I have a CD that I used as a collateral for personal loan and I have been making payments and when it gets to a certain threshold, funds are released and deposit into my savings account. When this did not take place I contacted them numerous times and was given the runaround and w as at one point ignored via social media and was withheld from speaking to a manager wh en requested.
I sent a letter to my bank, asking nicely for some forgiveness on late payments I had on a line of credit. I offered to sign up for automatic payments from another bank account on the line of credit in exchange for erasing the late payment marks on my credit score. I was contacted by XXXX ( ext. XXXX ) at First National Bank. He told me they would absolutely be willing to erase the late payments from my credit score in exchange for my signing up for automatic payments on the line of credit. He said that someone from the bank would contact me about erasing the late payments, and that he would send me the paperwork for signing up for automatic payments. The paperwork arrived, but I was never contacted by anyone at the bank about making good on their promise to erase the late payments. I filled out the paperwork and sent it back with another letter, outlining the terms that I was told about. I was still never contacted by anyone about erasing the late payments. The automatic payments have been going for several months now, but the late payments have not been erased from my credit score. I have called the bank several times to try and speak to someone, but I just get endlessly transferred around and told that they are not able to do anything to help me. XXXX, the original man I talked to, is nowhere to be found, and the extension he had is no longer connected. I am extremely upset about being lied to and would like to try and get this resolved, and have the company make good on the promises that their employee made to me. I have done my part of the agreement and signed up for automatic payments. Now it is time for the bank to make good on the promises their employee made to me.
The amount of the payment is so high, I ca n't even begin to try to repay, and when I have told navient this, they send me to forbearance and will not allow me to make payment that i could afford, and now my accrued interest is so high the only thing I can do now to get a payment I can maybe afford is to default and have it taken out of my pay check. I have been placed in forbearance since 2013 and now I have XXXX dollars accrued in interest, I want to pay, but they wo n't except what I can afford and just keep redirecting me. This has also put my credit report and score into a bad place so I can not even begin to get any help to try to reconfigure or consolidate my other loans so I could be able to pay a large payment on these. The interest on these loans is so far out there no one could begin to ever get caught up. Now I do n't know that I will ever be able to help my other son ever go to college. My son was not even able to finish getting his degree it became so expensive. I was suppose to start paying the XX/XX/XXXX like XXXX dollar payment and they changed it to XXXX prior to the first payment and now I am unable to pay them and is now in default.
I checked my XXXX credit report and noticed there was 46 hard inquiries. I did contact XXXX and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted XXXX to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these 46 inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. XXXX need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that XXXX offer to their consumers.
I had a loan thru credit acceptance corp, IN which I had full coverage insurance thru XXXX insurance company, I also paid {$800.00} For GAP INSURANCE coverage to cover what XXXX did not pay.XXXX Claimed the XXXX XXXX was n't worth but {$3000.00}. GAP insurance only paid {$1500.00}, it states in my documents that it would cover what ever was owed, I GOT SCAMED! THE PRICE THEY FINANCED WAS {$7900.00}
Merrill Lynch lists an account by my name with an assigned number for me -- XXXX -- within my online " ML '' account summary/log/record but it 's never on my ML bank statements ... The suspicious thing : " account closed '' balance " XXXX '' since when? No check was ever sent to me for XXXX XXXX dollars : despite the several different [ real ] reasons why/how/when the account balance should be or was XXXX XXXX dollars [ US ]. There are no listings of transactions/activity or when it was allegedly closed. So? There has to be a legitimate inquiry -- investigation -- for ML to fully disclose. ML bought BOFA XXXX : Bank of America " BOFA '' then bought Merrill Lynch ... ML took over long standing BOFA accounts valued at greater than {$100000.00} and then those accounts were quickly reassigned to BOFA sans the funds exceeding the FDIC limit [ at that time ] and/or sans funds completely!? In my case : ML says completely XXXX And since when? ML does -- has refused -- not say. ML must return any/all actual account value to me : the real account balance fro XXXX must be disclosed to me and I must be allowed access to those funds and any interest earnings on the funds must be attributed to me for my use exclusively.
Sallie Mae continues to call me at my place of employment. I work at XXXX and they have called over 4 times and have been asked to stop numerous times. They were asked to take the number off the list and continue to call threatning my job!
This dispute comes regarding a letter dated XXXX XXXX, received on XXXX XXXX, XXXX, relative to past due account for the above referenced apartment. Pursuant to numerous telephone conversations with XXXX, XXXX and XXXX, in the Leasing Office, prior to submitting the 60 DAY NOTICE OF INTENT TO VACATE, all contractual obligations were fulfilled, according to discussions with the Leasing Office Staff, for vacating the apartment. The last conversation was in person on XXXX XXXX, XXXX, with XXXX who reviewed the obligations and confirmed the rent should be paid on XXXX XXXX, XXXX for the full monthly rental amount, and XXXX XXXX, XXXX in the amount of {$330.00} Also attached is a copy of the Move-Out-Key Return The apartment was left in exceptionally clean condition, pictures are available. 
I am certain this communication will clear the miscommunication.
Transunion indicates I have a late payment that supposedly occurred 5 months ago, but that is not true. I have disputed other credit reporting issues recently, and it was only after I did so that my credit score dropped dramatically for no apparent reason. I would like Transunion to provide proof as to which particular account ( accounts ) I paid late within the past 12 months.
These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX and Experian. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
To date, I have paid Navient {$16000.00} for my student loans. Prior to graduation I had XXXX loans that totaled to around {$60000.00}. Assuming that I was paying my loan balances down, I enrolled in automatic bill pay. This was two years ago, fast forward to today my loan balance is just over {$70000.00} despite making nearly $ 800 monthly payments for the past two years. I look into how could my balance be higher than what it was after two years of payments and I find out that all this time less than {$3000.00} went to the principle and over {$13000.00} went to interest. At this rate how does Navient expect me to pay off my loans? That is the issue, Navient does not want me to ever pay off this debt. Navient would rather I continue paying off this debt until I have paid 200 % of the original loan amount. My interest rates were just over 10 %. 

In addition to high interest rates and unethical distribution of loan payments. Navient also reported me to the credit bureaus claiming I had 16 missed payments. This ruined my credit. I called Navient prior to missing any payments to be placed on deferment until I found employment after graduating. Six months later I find out that my credit score fell XXXX points. I tried tirelessly to have Navient remove the missed payments from my credit scores because I was under the assumption my loans were in forbearance. Navient did an investigation and saw that I did indeed call on the day I told them I asked for a forbearance but claimed they can not prove I asked for a forbearance. So they insisted they could not remove the missed payments from my credit scores.
The three main CRAs are reporting student loan accounts that are ten years old and have been requested removed via the FCRA ; those same bureaus are reporting balance transferred, closed accounts, or delinquent on these older accounts ; several of the closed student loan accounts are also showing unknown on payments for several years, except for late payments within those accounts ; I have called the original creditors off those loans/ accounts and they have stated the account is no longer accessible and they do not report to any off the CRAs. I am requesting immediate removal of those accounts labeled under XXXX XXXX ( 2 ) ; XXXX XXXX XXXX ( 2 ) ; and XXXX XXXX XXXX XXXX XXXX the above aforementioned accounts have been requested for removal
On XX/XX/XXXX, I noticed two transactions posted to my PayPal account for {$59.00} each for XXXX. I contacted XXXX the same day and notified them that they were unauthorized. They issued a refund and I changed the password to my XXXX account as instructed, ( my paypal account was listed for my annual renewal of XXXX office ). On XX/XX/XXXX another XXXX debit for {$89.00}. I was on the phone with XXXX for 2.5 hours and even though I changed my password the day before the hackers informed XXXX that they forgot the password and allowed them to change my password and updated the XXXX so I now I do not have access to my account. They were unable to track the payment that posted on XX/XX/XXXX or the payment I actually initiated to download XXXX office for {$99.00} on XX/XX/XXXX. They informed me that I needed to establish a new XXXX account which I did and to inform Paypal that both the {$99.00} and {$89.00} transactions were unauthorized so a credit could be issued. Then I was to repurchase XXXX office for the new account. They could not find the transactions since my username was now changed and they could not see the transaction with my paypal account info at all. I informed Paypal on XX/XX/XXXX and opened Dispute Case ID : XXXX Transaction ID : XXXX and Dispute Case ID : XXXX Transaction ID : XXXX. Paypal provided a provisional credit the next business day but recently debited the amounts again claiming I authorized the transactions which I did not! Paypal can verify that the other debits were refunded by XXXX and can clearly see this was fraudulent activity. Simply stating that because I previously allowed a debit for XXXX is not proof that I made these purchases.
My student loans are consolidate with Navient. I called Navient today to get more infomation regarding loan forgiveness and found out they previously gave me wrong information. I was previously told by Navient that after XXXX payments I would qualify for student loan forgiveness. Today, after XXXX payments I was told that that information I was given by them was incorrect and I must first consolidate with Direct Loans to qualify for the loan forgiveness. They offered no answer as to why I was previously given wrong information. What can I do?
Experian is displaying the creditor XXXX 4 times for the same XXXX account on my credit report pages XXXX and XXXX. This account is a fraudulent account that belongs to XXXX XXXX, not XXXX XXXX in which XXXX has admitted this is her account I never knew anything in regards to the account in which I attached a letter from XXXX XXXX. It is fraudulent credit reporting for XXXX and Experian to report the same XXXX account XXXX times on a credit report. I want the accounts removed immediately. Experian has refused to remove. It is not removed this time around, I have no choice but to seek legal representation as I have exhausted all options. Also, they are writing comments on my credit reports in which I want them removed.
Navient really secured me. A/K.A XXXX XXXX. I went from borrowing from what I was told to getting a loan amount after graduating and following there rules to {$130000.00} in my Federal Loans. They were charging me every month {$1800.00} and at the end of the year all I paid was nothing off the principal balance it was to pay interest. They changed my rate when I had it fixed to variable which I never agreed too. I asked them to please help me and I'll make payments but to lower the interest and payment cause I only make {$40000.00} annually. Also, they didn't care I had Private loans of {$23000.00} which they overcharged me all my loans and lied to me and I tried to explain to them what I signed but they didn't care. They just kept charging me over and over and all they did was to take my money and I have been struggling financial hardship. How can they get away with this. Navient charging me over interest throughout the year. I was lied or not told what my loan was about and when I asked them to explain customer service didn't care and didn't even want to work for me. I do my best to make payments but I had to deferred or forbeaurance cause I couldn't make there payments. As for Income repayment plan they don't take into account the amount of bills I have to pay and for my Private loans they told me can't do anything and you need us to pay us if not bad credit and than I would get even more hurt by them.
I am being told i lived at a place called XXXX XXXX by a collection agency called ideal collections, i have lived at the same ady since 2003, i have provided police reports ID utility bill history etc the company wants all my tax returns mulitiple ID 's and my SS card and the credit beurus keep  removing this collection then the company threatins me and puts it back on
On XX/XX/XXXX, I called XXXX XXXX XXXX via phone, spoke to XXXX at the Credit Bureau XXXX XXXX. XXXX was erroneously reporting information to all three credit bureaus that they did not receive payment for XX/XX/XXXX which I immediately disputed. I spoke to both the supervisor and XXXX at XXXX, submitted supporting documentation that proved all payments to XXXX were paid on time and my account was in good standing. I was assured by both XXXX and the supervisior that the error would get corrected with all three credit agencies. It is XX/XX/XXXX, Transunion is still reporting that I missed a payment. In fact, there was a third party vendor that was making payments on my behalf, my account was transferred to a different company. As a result of the transferred account, the XX/XX/XXXX payment was submitted to the wrong address, was corrected in late XX/XX/XXXX. Again, after explaining the details to both XXXX and the supervisor, I was again assured that the derogatory flag on my Transunion report as well as the other reporting agencies would get corrected. I have repeatedly reached out to XXXX several times to resolve this matter amicably, the matter has gone unresolved. Any assistance you can provide with regards to this matter, would be greatly appreciated.
This is a Capitol one prepaid card. The problem was that they said I was late paying and I was not late... They recorded it late.
It was on XX/XX/2016 XXXX XXXX
On XXXX/XXXX/2015 I bought a copy of my Tranunion credit report XXXX Order Number : XXXX ). I disputed several items on my credit report and requested that the results be sent via email. I did not want my report to go out in the mail. On XXXX/XXXX/2015. I received notice from a credit monitoring service that their had been changes to my Transunion report. On XXXX/XXXX/2015 I contacted Transunion to inquire when I would receive a response. I spoke to a representative who purported to be a supervisor ... she told me an email had already been sent to me. I explained that I did NOT receive the email. She gave me XXXX options, she could either mail out a copy or she could go over the results over the phone. I explained that I had paid for an electronic copy and I want my results and updated report electronically. 
Her demeanor was take it or leave. I asked to speak to a manager, she refused. I refused to hang up until she transferred me to a manger. She transferred me to voice mail with an inaudible name. I left a message. As of now I have not received a response. My biggest concern ... TranUnion purports to have sent an email. Who received this report / results? Where was it sent? I DID NOT RECEIVE THE EMAIL.
Hi I was billed around XXXX XXXX for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was XXXX hospital in NJ, XXXX . This was on XXXX 2015, I agreed onto a payment plan, then it was given to collection agency. The agency sued me and caused major dip into my credit history. I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country. Please let me know how you can help me and I want to pay this amount. Please help me to restore my credit rating. All my mortgages, credit card payments, bill payments are in time. In last 7 years I have never faced such issue, please check my credit history. The Collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Thanks XXXX
I am hearing horrible things about this company and do not want to be a victim of predtatory lending. 
I received a loan which wasnt even {$10000.00} and they want me to pay {$15000.00} by XX/XX/2018. 
This company is a scam and the looophes they work by hurt the consumer tremendously. 
Nobody should have to go through this. I hope this gets fixed so other people dont fall into these false advertisentments and scams