WillisBack/dataset-financial-user-claim huggingface dataset:
Acme has contacted me through mail and by phone about a XXXX dollar balance of some sort of bill. I have tried to reach out to the agency several times to verify what the bill is for, who the original creditor was, and as well repeatedly requested copies of the original bill to verify it belongs to me and for what causes. Acme representatives have been extremely rude and have even resulted to sending me letters making false accusations with ALL CAPITAL LETTERS which seems a very aggressive form of communication. When I ask who the original creditor is and for them to verify the account is or was mine previously I am directed to multiple agencies and circled back around. In more detail I am told by Acme I need to contact the previous collection agency for any billing questions and when I do that I am routed rightfully back to Acme because the previous agency is not the current or active agent for trying to collect some debt no one can verify or show physical proof of. The company has threatened to take legal and credit reporting actions against me without proper cause or resolving or addressing anything to do with the bill itself allegedly claiming this is a debt in which I have occurred I haves sent several letters to the company including certified request and still the company refuses to address the verification of the bill. I informed them If this was from a particular incident that I would be more than willing to provide them with the insurance I had at the time if there was somehow some billing error and the insurance company was not billed but the company has refused to take the opportunity to resolve as the many other attempts I have made. The company has also falsified the address to which they have mailed documentation to me. I feel they have purposely sent mail to the wrong address to falsely warrant evidence of them sending documentations to me. The only reason I received one particular letter is because a neighbor I knew hand delivered it to me. The company claimed in its last letter to me that I have ignored them yet I have copies of the certified letters I sent as well as the receipts as well.
I started the IBR on XXXX/XXXX/XXXX with Nelnet , Inc. " Under the IBR and Pay As You Earn plans, your calculated monthly payment amount may not cover all of the interest that accrues on your loans each month ( this is called negative amortization ). In this situation, the government will pay the remaining unpaid accrued interest that is due each month on your subsidized loans ( including the subsidized portion of a consolidation loan ) for up to three consecutive years from the date you begin repaying your loans under the IBR or Pay As You Earn plan. '' This has not been happening on my account. My subsidized interest on my loans have been accumulating. No government payments have been applied to my account. My Principal Balance reflects no additional government payments have been applied to my subsidized loans online. I collaborated with -- 1. XXXX XXXX XX/XX/XXXX XXXX -- Discussed loan options and confirmed Nelnet received my recertification for IRB. User put me on hold and never returned. Gave her a negative review ... 

2. XXXX XX/XX/XXXX XXXX Verified Nelnet received my re-certification and told me it will take a week or two in order to process. Discussed the 3 year subsidized interest not being paid on my account. XXXX confirmed the amount suppose to be paid quarterly by the government but Nelnet does not give proof of payments added to accounts. I told him I need to see where the government payments were added to my subsidized interest. The web site does not reflect any government payments applies to my account. XXXX confirmed the payments have been applied quarterly but the web does not reflect this. My account needs to be analyzed and adjusted immediately. It appears the Government has been sending payments to pay for the subsidized interest on my account but the monies have not been applied to my account. I need to see in writing where the government has paid 100 % of my subsidized interest by XX/XX/XXXX. My account does not reflect Any government payments nor does it reflect any Decrease in Accrued interest and Principal Balance. My online account has proven the government payments have not been applied to my subsidized interest.
Bank of America does not reduce the balance owed on the day a payment is made, and instead lets the interest accumulate for an additional 2 calendar days before crediting a payment toward the balance owed. Please see the screen " grabs '' from my two accounts. 
Thank you for working for the Consumers!
I have received a notice of a debt collection from Phoenix Recovery Group. The notice doesn't have my correct name, but a name very close to mine. So I thought it may be a mistaken identity or a identity theft. therefore, I have filled an identity theft through the FTC website and send them a formal letter informing them of their obligation to send me all the necessary documents related to this case. Since I haven't received a reply to my letter, I tried to contact the collector by phone to get the paper work related to the case so I can understand the charges or the services that reflect the debt. 
Every time I try to contact the debt collector, they transfer my call to an answering machine and no one calls me back. It is frustrating and time consuming. 
Also, every time I talk to the receptionist, she takes my social security and date of birth then a recording tells me that this information can be used in the case against me. 
The debt collector has contacted the credit bureau of XXXX XXXX and XXXX even with my repeated requests that they should not do that while I am disputing this information. SO I had to lunch a dispute with all credit Bureaus. 
The notice of Debt contains the original creditors ( XXXX XXXX XXXX ). I tried to contact them but they were unresponsive and the management has never contacted me back. I may have left at least 5 messages. Again, I have told the receptionist of the management obligation to contact me and provide me with information on what the charges is about. All I got is that this charge reflect time spend on their apartment complex at XXXX NC. I am a resident of Virginia and I have never lived on those apartments nor I had any dealings with XXXX XXXX XXXX company. I have filed a police report with XXXX XXXX and I am waiting for their response. Last time I talked to XXXX police, they told me that this may take some time since they have a backlog due to the recent data breaches from XXXX   and others. 
I strongly think that both companies ( Phoenix Recovery Group ) and ( XXXX XXXX XXXX ) have mishandled my information and exchanged my Personal Identification Information improperly. They did not do their due diligence of allocating the correct person responsible for this charge and they have used improper tactics of sending this collection to the credit bureau to pressure me to accept the charge.
Crown Asset Management , LLC - XXXX, Georgia XXXX Violated the " Fair Debt Collection Practices Act '', ( 1 ) By purchasing a former Creditor 's Debt, that originated with XXXX XXXX & trying to Collect their " Own Debt ''. ( 2 ) Seeking Interest & Fee 's without a " Contract ''. I had written a letter of dispute to Crown Asset Management & their acting Attorney 's - XXXX - XXXX, Fl. XXXX. But they have chosen to have me appear on a Summons for alleged Debt, without good cause. I signed " No '' written Contract or agreed to any terms or conditions with any Collection Agency, such as Crown Asset Management LLC. I wrote my letter in my dispute. " I conditionally consent upon proof of claim & upon proof of cause. If you can provide a signed Lawful Contract with equal consideration ; Full disclosure & Lawful terms & conditions of the Alleged Debt to " Crown Asset Management , LLC. That I signed a contract or obligated to pay any, or all of the alleged claimed funds Crown Asset Management. I am under " No '' Legal Obigation to any collection Agencies & my written contract was with XXXX XXXX. Neither Parties responded to my Request, because they knew, all too well, they could n't. Now I must defend myself in Court of Law & being the Victim of mischievous & unfair practices by these parties. I am asking for Fair Justice & to investigate this serious Matter & prevent such Activity from occurring in the future with other poor Victims. Respectfully Submitted
I use  XXXX  to file my taxes. I mistakenly left my old checking account information from  Chase as  the account to deposit the refund in. I have not had a refund for many years, so until now, this problem has not surfaced. I tried to alert the IRS about this problem but they informed me that I needed to contact my financial institution.  <P/> The ACH was made on or around   XXXX   XXXX   XXXX     in the amount of {$950.00}.  <P/> I contacted  Chase  on   XXXX   XXXX   XXXX     and they were able to locate the ACH. They instructed me to call back during business hours and provided me a number to reach the ACH department.  <P/> I called back on   XXXX   XXXX   and spoke to another customer service representative and then a supervisor. They were not even able to locate my closed account this time ( based on my SSN ) and instructed me to reach back out to the IRS ( creating an infinite loop ). They have apparently lost my account information. They claim that I never had a checking account. I told them I was looking at a check from my old checking account and they responded patronizingly that it must be a cashier 's check or something. They were also not able to locate the ACH transaction this time, even though they were able to last time. They are holding the money and I have no way of getting to it.  <P/> I included  two  attachments : an old check from my checking account and the  XXXX  printout that shows the ACH information with their routing number. The  two  account numbers do n't match ( I 'm not sure why ), but the routing number is clearly a Chase number. I also included a third attachment that shows the status from the IRS.  <P/> NB : The initial refund amount was for {$1100.00}, but there was a deduction, bringing it to {$950.00}.
Called me at XXXX at night also reporting the wrong date on my credit report they jacked up the date to report longer on my report shady company needs to be fined and always answers the same way everytime I file a complaint they harassed me steady and cover out up everytime
I submitted a claim for unauthorized charges on my debit card. At the time I was in XXXX. The rep requested information regarding the where about of my debit card wallet etc. I advised her that due to the fact XXXX I sent my personal belongings home with my sister to ensure that they were safe. In addition I advised her that my pin number was written on an identification card for my bank accounts but not stating for which account it was for. I was under the impression that XXXX my sisters many friends took my wallet due to him not being around for few days after however later learned that he did not in fact take it and my sister must have left my bag in her car at home and It was taken. I called and spoke with a supervisor and she advised since I had given my pin to someone or allowed my XXXX son to see me using my pin I am somehow responsible for charges that someone made without my approval, and it was not anyone that I knew personally. They refuse to re-open and investigate look at ATM Cams or surveillance. How am I to feel protected against fraud and misuse of my card when the bank will not protect me
On XX/XX/XXXX I spoke with XXXX to remove inquires i did not authorize. I spoke with a XXXX rep and told him which ones needed to be removed, he confirmed the ones that needed to be removed and the call dropped. As I called back and was on hold for about 20 more minutes I got another XXXX rep I explained to him what the other XXXX rep was doing about deleting the unauthorized inquires before the call dropped, however she was rude and did not care. After talking for about 5-10 more minutes, needless to say she did not help me with what the original XXXX rep was willing to do. There are XXXX inquires from XX/XX/XXXX and XX/XX/XXXX from car loan places. None of these places had my authirization to pull my credit or anything relating to this matter.
Navient has outrageous interest rates. I was on the income driven plan that paid {$230.00} in interest only payments. The only reason they made a deal with me was because I was late on a payment or two. I tried calling previously and said they would n't be able to do anything for me because I could pay the {$500.00} a month payment. In order for me to get a lower payment, they extended my loan term to 40 years. There is no way I will be able ever pay off my student loans. It 's cheaper for me to stay in school at least part time than it is for me to repay my student loans.
I have asked Transunion to delete negative unverifiable information from my report, moreover they keep verifying closed accounts as accurate and update wrong information on my report. I specifically asked transunion to send me proof by mail to verify negative information which I have not received nothing and transunion continues to show and put back negative accounts on my report.
On Monday XX/XX/XXXX i deposited a check in the amount of {$2700.00} to my Bank of America checking account. On Tuesday i looked at my account and the deposit went through without a hitch. I started withdrawing funds from this check. On Wednesday Bank of America received notice from tbe check 's bank that the check was probably not going to clear. Wednesday i had made two online payments not knowing my bank decided to put a hold on this check. When i came home that evening and looked ay my checking account i was horrified to see that my account was overdrawn. The bank decided on Wednesday to put a hold on the account. I do not have a history of accepting bad checks or writing bad checks. If we went through my account we would probably find that the only time i was charged an NSF fee was when someone took money out of my account that i did not authorize. As of this date i have received absolutely nothing that there was a problem with this check. It is through my own vigilance thst i even know about it. My dilligence had the money replaced with a wire transfer on Friday, XX/XX/XXXX. The bank has charged me two NSF fees for the two checks i wrote on Wednesday. I do not think this is fair. The bank should have put a hold  on the check on Tuesday at the very latest. On Tuesday it did not appear that the bank was going to place a hold on it. How was i supposed to know not to write checks when they put the hold on the check on Wednesday? As i have already stated, i have received absolutely nothing from the bank letting me know there was a probkem woth the check. If i was not vigilant with my account, i could easily still be writing checks. Once i saw the hold, i did not write any more checks. I believe the bank should refund the two NSF fees. I spoke with a XXXX XXXX on Wednesday XX/XX/XXXX He is a supervisor in the California office. I have thought long and hard on whether this next statement is true. I truly believe it is. I thought he was noting the account not to charge me NSF fees, but there is nothing in the notes stating this. Yesterday i left a message for him to call ne. He has not done so yet.
XXXX and experiean continue to report Bankruptcies on my report in which proof were sent to them that they are not verified from the courts and they keep stating the information was verified without proof of how they supposedly are verifying information that in fact is not being verified from the XXXX Bankruptcy courts. So they are engaging into unfair practice of lying to there customers in which can and will lead to litigation. I have tried 3 times to resolve this and all 3 times they just say verified without validation or proof.
Re : CFPB # XXXX Dated : XX/XX/2018 Report # XXXX Dated : XX/XX/18 You stated that you obtained my information from XXXX. Which I find it extremely difficult if not impossible. Because I have a security freeze on my XXXX account dated XX/XX/2018. But assuming you managed to get my credit report from XXXX which is a direct violation of the FCRA then, XXXX does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please provide me the method of verification as required under Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.
On XXXX out of my XXXX student loans with navient I made a lump sum payment to pay off the entire loan. I was able to settle of approximately {$5000.00} less than what I owed but paid in full. The amount that I paid was still more than the original loan taken out due to high interest rates. During the settlement navient stated that this would show paid in full on my credit report and not hurt my credit score. I have never missed a payment and all other accounts are in good standing. But this shows as a potentially negative item because is states paid in settlement and in the comments states paid in full for less than full balance. They added the less than full balance which is causing the negative item. Because of this I have been denied for a couple of things including XXXX who I am trying to consolidate my loans with.
Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX, XXXX, XXXX, XX/XX/XXXX, BALANCE {$25.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$950.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$430.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} MEDICAL, XXXX, XX/XX/XXXX, BALANCE {$32.00} XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00}
I recently repaid {$28000.00} in student loans to XXXX  XXXX XXXX. I told to the company that the payment should be applied to my two highest loans with the highest interest rates, which were each about {$14000.00} and around 5-6 % interest ( Loan sequence 7 and 8 on my account ). I told them this both by phone and email. I recorded the names, employee numbers, and dates of each call ( XXXX, Employee ID ( EID ) XXXX, and XXXX XXXX XXXX by phone on XX/XX/2018, XXXX by email, who did not provide an EID, on XX/XX/2018 ). 

Despite my repeated attempts, XXXX XXXX XXXX has refused to apply my payment to these loans. Instead, they have applied my payments " across the board '' to a number of smaller loans with lower interest rates. Essentially, they are forcing me to continue paying the higher interest loans, which will extend the life of the loans, the interest, and my repayment obligations. 

I have continued to contact them to rectify the situation without any success. They have refused to provide any confirmation that they have or will correct the error. Any help you could provide would be appreciated, I have detailed records to corroborate my claims.
I am trying to make my first mortgage payment to Bank United, to whom my mortgage was sold after origination. Apparently, in order to make a payment, I need to pay a {$10.00} " processing fee '' ( see text from their website below ) : " Your payment must be submitted prior to XXXX XXXX ET to ensure it is posted on the same day. If this day falls on a weekend or holiday, the debit will take place the next business day. Please note when scheduling your payment, you will be charged a {$10.00} processing fee. This service allows you to schedule a future loan payment, provided they are within 10 day ( s ). After your payment is submitted, it may only be cancelled by contacting Client Care Center - Opens Dialog at least two full business days prior to the scheduled payment draft date. '' {$10.00} is small in the grand scheme of things, but it seems ridiculous for them to charge me for the " convenience '' of auto payments to them. When I spoke with a representative, they told me that if I do n't do bill pay from my financial institution or send a check, then I have to pay {$10.00} every time I make a payment through their system. Perhaps this is perfectly legal, but it seems like a " hidden '' fee.
I HAVE BEEN ATTEMPTING TO OBTAIN MORTGAGE ASSISTANCE AND I HAVE REQUESTED SEVERAL TIMES THAT MY SERVICER, NATIONSTAR, SEND TO ME A MORTGAGE ASSISTANCE PACKAGE. THEY DID NOT. THIS REQUEST WAS MADE THROUGHOUT THE MONTH OF XXXX. ON THE LAST WORKING DAY OF XXXX - XXXX XXXX - I RECEIVED THE REQUESTED PACKAGE. NATIONSTAR BACK-DATED THE LETTER TO XXXX XXXX, 2015. NATIONSTAR GAVE ME XXXX DAYS TO APPLY AND SEND ALL DOCUMENTS. THAT DEADLINE EXPIRED YESTERDAY. NATIONSTAR HAS, HOWEVER, QUICKLY & EFFICIENTLY SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2015.
On XX/XX/XXXX I disputed the inaccurate date of deliquency with XXXX  and this company responded on XX/XX/XXXX with no correction of the information provided to the credit bureau. I have emails stating the first date of deliquency for loans sequence XXXX,XXXX,XXXX,XXXX was XX/XX/XXXX and XX/XX/XXXX prior to me filing a Chapter XXXX bankruptcy in which these loans were included. I spoke to the company and they stated they sent a request to the owner of the loans and hadn't received a response however AES still reported inaccurate information to XXXX  that is negatively and inaccurately reporting on my credit report. AES also sent me information on XX/XX/XXXX showing the current loan status for each loan and it states " claim paid '' but this is not what is showing on my credit report as of date. These loans are beyond the 7 year reporting period, no payments have ever been made by me for any loan. I dont have a contract with AES and never have held a contract with them regarding these loans. My credit report payment history legend is incomplete and missing payment data.