WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried for years to pay this off. They offered me forbearance after forbearance and deferments. Ive had it for XXXX years and still owe more than the original balance due to late fees and interest. The % is over XXXX %. They hiked my monthly payment to over $ XXXX m. They would not work with me. I want to pay it back- but its a steep hill to climb. Is there a way to get them to forgive the interest and late fees?
Portfolio recovery associates has not answered a debt validation verification letter i submitted a month ago. Portfolio recovery associates refuses to remove a debt that is not mine and is a time barred debt according to the statue of limitations.
The credit reporting agency equifax will not provide a copy of my credit report. They are indicating that my information is not the same as theirs and this is true. Equifax has a mortgage with several companies asking which company I hold the mortgage with, they also have another question asking how much i pay for said mortgage. I do not have a mortgage and have no mortgage payments so I check none of the above. Equifax also asks a question about a truck with several options asking what bank I bought the truck from as well as the payments again I do not own a truck and checked none of the above. Equifax denied my request for a credit report stating it was not me as the information they have is different than I have indicated. I have made many attempts to get a credit report and fix the error including sending it through the mail and contacting many different people who handle disputes from the company I have been unsuccessful as they still say my information is different than theirs. They have ruined my credit so bad I cant even buy oil to keep my house warm. My daughter died several months ago and I have XXXX grandchildren to try and keep warm I have also had to dispute credit mistakes with the other credit companies but they sent the report and are investigating the disputes. I need to get this corrected asap as I can not get oil or any credit to get my grandchildren out of the house where their mother died. Thankyou XXXX XXXX XXXX
The company I work for changed our email addresses XXXX XXXX but both emails dumped into the same email inbox, and I'd used both for years. We were NOT told that XXXX email was going to stop working this past year, but it did. I was set up to receive email invoices with Kohl 's to XXXX email address, but as a result of the change, I stopped receiving my statements, and I did not know I had a past due balance with Kohl 's until I received a letter in the mail in XXXX telling me my account was inactive due to non-pay on a {$110.00} balance that generated as a result of purchases made on XX/XX/17 and XX/XX/17. I immediately called and took care of the balance and they credited the late fees. I did not know this had STRONGLY effected my credit scores until XXXX or XXXX. I have tried to resolve this with Koh 's but they say unless the error is their fault ( ex. THEY listed an incorrect email ) - they do not reverse information turned over to credit agencies. I believe this IS partly their fault for not notifying me there was an issue with my email. Other companies, including my MasterCard, notified me via PAPER mail of the issue with my email BEFORE any balances fell past due, and I corrected it with them. I had no idea Kohl 's had XXXX email and that I was not receiving statements, but KOHL 's knew my email had kicked back and that I was not receiving invoices, so they should have sent something to me in the mail as soon as that happened like other companies did. The first paper mail communication I received should NOT have been a suspension letter when they KNEW I wasn't getting my invoices via email. I'm so disappointed in Kohl 's for not working with me to correct this on my credit history that I've closed my Kohl 's charge card account, and I will NOT shop there anymore, and I'll be sure to post everywhere I can about the poor customer service experience I've had with them. I'm XXXX years old and have NEVER had a late payment on my credit history, and I have always had excellent credit scores, and I'm EXTREMELY disappointed that this ONE late payment of only {$110.00} has affected my credit score so  extremely, and Kohl 's will not adjust it when it's NOT my fault the email stopped working, and although I agree it's not their fault either, ONE letter thrown in the mail when the email kicked back notifying me of the issue would have resolved all of this. If it is not Kohl 's policy to notify customers via paper mail when an email fails then it should be - that's just good customer service. Some people ( LIKE ME ) may not know when an email stops working or gets cancelled, or just may not remember to change it with ALL companies that email statements. Kohl 's had NO problem mailing me a letter telling me that my account was suspended. Seems like it would make more sense to MAIL a notice letting my know my email was failing first. Then I could have corrected the email, paid my balance ON TIME, and it NEVER would have gotten this far. I am SO disappointed in Kohl 's, and EVERYONE I can reach via the XXXX XXXX XXXX and social media is going to know about it!
Sent my savings via US bank for a purchase overseas. The money never arrived thus could not make the purchase. Went back to ask for the money and have been for the last five weeks to no avail. Will appreciate help just getting my money back. They can keep the charges
I took out parent Plus loans for my children. A total of XXXX With the first disbursement of XXXX XX/XX/XXXX and the last disbursement of XXXX on XX/XX/XXXX. I have made repeated attempts over the last several years at getting an income driven payment plan but each and every time I speak to the loan servicing company they tell me one thing then the next thing I know they are capitalizing interest to the tune of XXXX over the last three years. I did not agree to this, I did not ask for a forbearance or deferment. I am only willing to payback the principal I took out of XXXX. I will not pay any more. I have a feeling these loan servicing agents are getting compensated by causing my loan balance to increase instead of helping me make an affordable payment plan to reduce my principal. I know the Department of Justice is aware of Navients unscrupulous practices and I refuse to be another one of their victims! I am more than willing to refinance the original loan principal amount with a respectable financial service company.
I had a car when in XXXX. My father cosigned. I got sick and was in the hospital. Out of spite my father took my car and ruined my credit at the time to hurt me. Ford motor credit is still trying to collect since XXXX. XXXX refuses to remove it.
XXXX XXXX Acct. # XXXX Repeated requests to creditor XXXX XXXX to Validate their Debt have been ignored by said creditor and TransUnion. 

XXXX XXXX can not validate the debt as it belongs to another party with a similar name. 

In late XX/XX/2017I learned that a family member 's credit file and my own had been " Mixed. '' TransUnion did " Split '' the credit files but this account belonging to said family member remains in my credit file with TransUnion. 

This invalidated debt should be removed from my TransUnion Credit File immediately according to the Fair Credit Reporting Act. TransUnion has investiagted, and reinvestigated several times, my repeated requests for ValidatioXXXX of the Debt. TransUnion is or should be aware that the debt is in another parties name and does not belong to me but they refuse to delete their inaccurate reporting. 

I did not open an account with XXXX XXXX, nor did I benefit from goods or services provided by XXXX XXXX.
This is related to XXXX XXXX XXXX , XXXX and HSBC Beneficial. In XXXX my wife and i took out a HE Loan with Beneficial Mortgage ( HSBC ). On XX/XX/XXXX and XXXX XXXX, My wife and I signed documents related to a First Lien deed of trust for the home equity loan with Beneficial Finance. I cant explain why this was done twice or for what purpose, but the fact is both were filed in XXXX County, TX. I have paid my loan as agreed, then, around XXXX of XXXX, Beneficial sold my loan to XXXX, XXXX. There is a transfer of lien filed at the county that reflects this. The transfer references the loan #, but only references one of the instruments or liens that was filed. I paid my loan off in XXXX and received a release of lien from XXXX for the lien they assumed from HSBC, the FLDT dated XX/XX/XXXX. I went to apply for a home equity about a month ago and was told there was still a lien filed with the county ; the lien filed on XX/XX/XXXX by Beneficial. I am being told by XXXX XXXX , XXXX that they can not release the lien dated XX/XX/XXXX as it was never transferred to their name, and they are not the lien holder. I told XXXX  the lien they assumed was invalid, as there was already a FLDT filed at the county, and one could argue that any payments i made to them were done so without a proper lien. I explained that I felt it would be in their best interest to help resolve this matter. They stated they had done all they could do. I can not contact HSBC Beneficial other than by mail, which i have done as of today. In this day, with all the access to technology we have, it is unreasonable for them to not have a means by which a customer can contact them other than by mail. I would appreciate your help resolving of this matter.
XXXX # XXXX and XXXX # XXXX are not mine due to identity theft. I have reported this information too credit reporting companies and STILL not off my record with them or court. I filed information with XXXX and again court and credit reporting companies have NOT removed this information on my report.
I did a title search for the home me and my husband own, my husband passed away in 2016. There is a lien on my home that belongs to my son. My son is a XXXX so he and my husband have the same name. The debt is for medical bills that were my sons in no way am I or my husband responsible for this debt. The lien was filed in XXXX County Volume 1329 page 686. I have contacted XXXX and they told me they can do nothing. I contacted the attorney that is handling this Emerson Law XXXX XXXX XXXX, XXXX, WI XXXX spoke with a XXXX who told me I would have to do an affidavit and my son would as well etc. My son is a XXXX XXXX and I do not know when I will see him I might not see him before I close on my home - and why should we do anything when they put the lien on in error they need to fix it. I do not want to get to closing and have problems or for this to delay my closing. This is not my debt, it is not my husbands debt and it needs to be removed at once!
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXXXXXX XXXX, XXXX/ XXXX XXXX ( duplicate on my credit report ), XXXX XXXX ( duplicate on my credit report ), XXXX/ XXXX   XXXX ( duplicate on my credit report ) XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX ( multiple entries on my credit report ), XXXX   XXXX XXXX XXXX ( multiple entries on my credit report ) , XXXXXXXX XXXX ( showing multiple entries on my credit report ), XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( showing duplicate on my credit report ), and Chapter XXXX Bankruptcy XXXX
My mother XXXX XXXX passed away. I am the daughter and am trying to do the right thing and getting things situated as best as I can. Chase is well aware of the passing of my mother, and well at the time mother passed I had no idea all that came with that. I was not aware I needed to go through probate, which I am doing so now. However as you may already know probate does cost money, and had to gather the funds for an Attorney. Currently I am in the middle of Probate with the last court hearing of XXXX XXXX, 2016. Chase is well aware of this hearing as I have provided notice, and have stressed to the representatives I need them to notate probate last court hearing on XXXX XXXX, 2016. I did stress to representative I am not being provided with information about the account, I am not asking anything about the account and instead are providing them with information about the account. I am simply asking for help with the postponement of my sale date of XXXX XXXX, 2016 to allow the probate matter to finalize and finally be able to speak with Chase mortgage and Chase mortgage to finally be able to accept my payments. See Chase would not accept my payments because I am not the borrower, which is why I am not facing foreclosure. Please help me all we need is time, time to allow the probate to finalize, which again will allow Chase to accept payments from me.
On XXXX XXXX, 2016 I deposited {$1200.00} in cash into an ATM and received a receipt stating that I only deposited {$21.00}. This occurred at approximately XXXX pm at XXXX XXXX XXXX XXXX, Texas. After speaking with several Chase representatives who have misguided me, misinformed me, and have behaved coldly and disrespectfully to a loyal customer, my account has yet to be corrected. 

XXXX dollar bills ( {$400.00} ), XXXX XXXX dollar bills ( {$800.00} ), and XXXX XXXX dollar bill ( {$1.00} ) were deposited into a Chase ATM. After depositing my cash the receipt returned via the machine read that I had deposited only {$21.00}. I immediately called customer service. After being told by a Chase representative that the correct funds would be placed in my account within 24-48hrs, I then asked if it was okay for me to leave the ATM location and was told yes. 

On XXXX XXXX, 2016 I received my " credit '' of {$1100.00}. Without prior warning or notice, on XXXX XXXX, 2016 Chase proceeded to withdraw the {$1100.00} from my account. 

This erroneous debit of funds has caused my Chase account to be overdrawn by the amount of $ XXXX. I called customer service promptly at XXXX to resolve the issue. A large sum of money has essentially been taken from me without explanation, remedy, or even the most basic level of customer service offered. 

I have spoken with not XXXX, but XXXX, supposed high-level employees who have screamed at me, yelled at me, and have accused me of threatening to sue. Something that has never been and continues not to be an intention of mine. The customer service I have received at Chase bank is absolutely unacceptable. 

Throughout this process I have proven myself a loyal and trustworthy customer. When {$1100.00} was initially returned to me, I could have withdrawn the money and closed my account if I had ill intentions. I did not. I have responded immediately at every stage of this process to get it resolved and yet despite having done nothing wrong I have been treated extremely poorly and now have the additional stress of a negative account balance. I deposited {$1100.00} and I ask that {$1100.00} be added to my bank account. Nothing more and nothing less. 

The lack of empathy and simple, " there is nothing else we can do you have exhausted all of your options '' explanation is unacceptable. I know that this is not an isolated incident as there are various reports of ATM machines miscounting money, which is what I assume occurred in this case as well. 

I am a responsible, upstanding, and honest person. I have been a customer of Chase Bank for years and I am NOT a thief ; nor am I mistaken about the cash I deposited. I do not have the resources in my life to cover me when my bank mistakenly takes {$1200.00} from me. 

I was even asked by a banker why I decided to deposit cash and why I chose such a late hour. Im a full-time employee and full-time student!
I am having a hard time with Ocwen removing a foreclosure from my credit report because they were able to resell the property at more then was owed on the loan. They would not work with us at the time to even modify the loan at rates we could afford. We had owned the house for over 7 years at this point and asked for the principle to be lowered due to what the property was worth so we could stay in the home. I talked to at least 50 people in the company because they were always assigning us a new case manager so nothing would ever get would ever get taken care of because the next person would have to start the process over and over each time. Then this led to an increased payment. I paid 2 loan modification payments which were never included in our loan and then the payments were always higher then what we agreed on. I are not the type of people to not pay my bills as you can see for the first home that I bought and now rent due to the foreclosure. I am at the point that I would like to buy another home and feel Im very capable of taking care of the bill each month as long as the lending company is sticking to their side of the agreements which I know that Ocwen did not. How can I get some type of help stating that Ocwen loan company did not try to really help me only really wanting to foreclose on my house??
Called customer service to report I had paid on a Sunday instead of Saturday bc of the short month, I thought the second was Sunday. Representative was polite but not helpful. I have kept my payments current through Gov shut down and non payment, meaning receiving no income. This month was 28 days, this was a honest human error on my behalf and humbly request that the late fee be removed from my account. The payment was due on a Saturday, paid on a Sunday.
I downloaded this active hours app on XX/XX/XXXX maybe. It gives you money for the days you already worked and then take back what they gave you on your pay day. Well my pay day was Friday XX/XX/XXXX they were supposed to take out their {$100.00}. They were supposed to do it the morning I got paid but they did n't. I called my bank and asked if they already took they money I was informed that they did. So I went ahead and withdrew all my money because I do n't a have a debit card right now. So after I withdrew all my money I had maybe XXXX in my account. Saturday I woke up and I had a message that I had {$60.00} in my bank account I did n't understand how. Today on Monday XX/XX/XXXX active hours were supposed to send me XXXX. And they did but I called my bank and they told me that {$60.00} was - {$60.00} due to the 5 insufficient funds transactions that were trynna be made. I was confused on how I had 5 insufficient funds transactions because I did n't have no card to make these transactions come to find out Active hours were trynna make transactions with my account that I had no idea about. I was told that they already took their money so why were they trynna make transactions with my account putting me and the negatives. My complaint it they are n't really what they say they 're about. They told me three times they would change my max for me to be able to cash out more money but they never did. Not to mention you have to reach them by email you ca n't call them by phone they do n't have a phone number so you have to email them so it takes days for them to reply. I just do n't like this company and I will be removing my information from them.
I purchase a vehicle XX/XX/XXXX also purchased the gap/repair Extended warranty : on XX/XX/XXXX ( Abs ) brakes system all wheels lock up 1st sign of of ( faulty ) engine. Check ( engine ) light comes on as well. 2nd sign faulty engine the van starts this jerkying and stalling while driving this is all going on within a years time. About XX/XX/XXXX the van does not starts or drives its just stops running. I asked if gap/repair extended warranty can be used to repair or replace the engine problem!!!! What are my rights as a consumer and customer concerning The LEMON LAW!!! They never responded back since I asked them to replace the vehicle or repair the vehicle!!! I surrendered, and gave the vechicle back. Then they said they repossessed it and reported to my creditors!!! I paid {$6100.00} they said I still owed {$7000.00} I feel I was robbed out of my money and a vehicle that doesnt work!!!! Does the LEMON LAW REALLY WORK!!!! They took advantage of me and my wife. They failed to issue me a trade value. Also failed to give me a replacement value. This was Auto Credit XXXX, Il XXXX ( XXXX or XXXX ) also mangers were involved!!!! They knew the vehicle was not working I told them their response was its not our responsibility for engine problems take it to repair shop. The extended warranty was paid since the start of contract!!!! I signed up for it in the paperwork!!!!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Re : XXXX account XXXX Transunion To Whom It May Concern : I would like to dispute the validity of the above XXXX account. I request a dispute be started and XXXX account XXXX and request the account to be removed from my credit file. I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,