WillisBack/dataset-financial-user-claim huggingface dataset:
We have had a mortgage with Suntrust Mortgage for over 10 years. They recently sold our loan to XXXX. We paid XXXX  in full so the home is now paid off. Suntrust Mortgage sent us a letter stating these changes would take effect on 11/30/2018. The payment was on an auto payment every two weeks for {$380.00}. Suntrust continued to deduct this amount 5 more times totaling {$1900.00}. They used a third party ( XXXX XXXX  ) to make these automatic deductions. I called the third party to request these payments to stop. They told me they could only refund me for the last withdrawal of {$380.00} in which they did but the amount refunded was {$380.00} not a big deal. But they also told me they couldn't refund me the other 4 withdrawals ( {$1500.00} ) made to my account because they were sent to Suntrust. I have begged and pleaded with Suntrust about this matter and I can't even get them to send me a statement. The third party ( XXXX XXXX ) told me to request a 3 month activity statement from Suntrust Mortgage but they will not do so. I am at a loss on how to get my money back.
I used my Barclaycard Arrival Plus to book a trip for my family in early XXXX. Unfortunately due to the hurricanes in the XXXX this fall my trip had to be cancelled. The travel company was very gracious and issued a full credit for my trip that they placed on my Barclaycard. I quickly began planning another trip since we had already taken the time off work. When all was said and done I had a credit on my Barclaycard account of {$1000.00}. I called on XX/XX/XXXX and asked that they send me out a check for the credit. I was planning on using that money on our vacation and was told by the representative that I should receive the check in 7-10 business days. On XXXX XXXX I received an offer from Barclaycard to do a balance transfer from another creditor and receive a 0 % interest rate for 18 months. I decided to take advantage and proceeded with the balance transfer. A couple of days later I still had not received my check for {$1000.00}. I called and spoke to a representative who transferred me to a manager.  She let me know that she would open a case, get the check stopped and reissued. Between speaking with her I spoke to 3 other managers within a three week period of time that all assured me that my check would be processed and sent after a case was opened and resolved. Today on XX/XX/XXXX I spoke to yet another manager who informed me that this was not the case and that the credit from the lost check was placed onto my account. I requested a formal complaint be filed and will also be filing with the better business bureau. I was also informed that I was told incorrectly that the check would be sent out the day I requested and was misinformed on three separate occasions that I would receive the funds I had requested. Consumers should know that if you have a credit on your account with Barclaycard and ask for it to be refunded to you, they take 7-10 days to process that request and another 7-10 days to mail you a check.
There has been several attempts for this debt to be verified with the consumer reporting agencies. This account has not been verified simply sending a statement from the original creditor by law is not suffice. This collection agency and consumer reporting agencies have not provided me with a signed contract/agreement. The original creditor ( XXXX XXXX ) has stated that I do not owe them this debt. 
Please review letters sent and documents provided as verification as they do not meet the standards by law.
1. XXXX and XXXX XXXX XXXX posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter. 

2. This account by XXXX is not mines and I have filed complaint with FTC and Attorney General of Texas..
i have been continuously harassed by Atlantic Credit & Finance , Inc. in the form of multiple phone calls from the number XXXX at least XXXX times a day and lately they call and hang-up if I answer it. then the try and use a different number. I have asked them to leave me alone that I do n't have any money but they wont listen. I tolled them to wait until my finances improve when they called the first time but they wont listen.
I set up autopay with Bank of America a few months ago. When I go to their website I see the terms that i set up : Pay in full on the due date. For the XX/XX/XXXX cycle I paid directly through my bank because there was no notation on the bill that the autopayment was established. As of today I should have current charges not yet billed totally XXXX. This bill has not been rendered and there is no balance on the bill. The bill will be rendered on or about XXXX XXXX, and the due day would be XXXX XXXX or thereabouts. HOWEVER, the bank decided to debit a minimum payment of XXXX even though there is nothing due.
These phone calls have been going on for weeks. We lost count of how many calls we received, because it sounds like the calls we got from the " I.R.S. '' last year. We have not received a written validation notice telling us how much money we owe within five days after they first contacted us. The message is the same automated message from Mercantile Adjustment LLC, XXXX. A robotic name " XXXX XXXX??? '' is provided, but is hard to understand. They want us to use reference number that is provided in the message, XXXX. The automated message is the SAME everytime, and is sent at about XXXX each day. The message does not ask for anyone by name ; therefore we do not know to whom the debt pertains. We are unaware of any outstanding debt that we may owe.
Since about XX/XX/2017, receiving Toll Free Number XXXXor XXXX telephone calls up to 3-4  times per day on my direct line for work, days and weekends.Calls begin as early as XXXX and as late as XXXX. Recording is heard when phone is picked up so unable to request that they stop calling me.
My federal subsidized and unsubsidized student loans ( 6 total loans, 3 subsididized, 3 unsubsidized ) have transferred administration twice, and have been with Navient for a few years. I have religiously paid over the amount of my monthly payment after capitalized interest affected my account. However, the amount that I owe monthly increases every six months, and I am not able to get my online account to match the tax statements sent yearly. See below running total for XX/XX/XXXX alone - after logging in 4 times, my total balance has changed each time. When I have asked for a physical statement in the mail that showed my running balance over time, I received one that did not show my running balance. When I called to ask how my capitalized interest payments were applied, I was told that my principle amount was decreasing slowly, but steadily, and that my payments fluctuated based on the current market.

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
I have made extra principal only payments every month since  XXXX  of  2016  totaling {$21000.00}. Every mo nth U.S. Bank  posts the principal only payment as a irregular extra monthly mortgage payment instead of Principal O nly. U.S. Bank Home M ortgage headquartered at  XXXX   XXXX   XXXX ,  XXXX   XXXX , MO  XXXX  has provided me with a spread sheet showing the payments and how they were applied. The history shows a payment but NO reduction of the principal balance on  XXXX / XXXX / 16 ,  XXXX / XXXX / 16 ,  XXXX / XXXX / 16 ,  XXXX / XXXX / 16 .   I have contacte  d U.S. Bank mortgage department every month about their consistent errors but to date the issue continues.
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I am concerned that   the extra principal payments have not been applied properly resulting in additional interest expense to me.
Transunion you are in violation of reporting a alleged account that is in dispute it was not and has not been verified as legal or accurate to report XXXX XXXX XXXX has no right to report to you .you clearly are violating the FCRA this was referred to the CFPB case XXXX on XX/XX/2019 remove this account at once
I had a credit card statement balance of {$6400.00} due XX/XX/XXXX I paid it in full on XX/XX/XXXX leaving a zero balance. The next month the credit card issuer sent a bill for additional interest charges in the about of {$52.00}. Is that within the law for them to charge interest when the balance, according their statement, was paid in full leaving a XXXX balance? During a conversation with their representative, XXXX, on XXXX at or about XXXX AM CST, I asked for understanding on how they calculated the interest charges, on what balance was the interest calculated since I had a XXXX balance according to the statement. She gave some information that did not make sense to me. I told her I would have to take the matter to a higher authority. She said I should be aware that they were going to credit the interest back to me because I had paid the balance in full. I asked if they would have credited it back if I had not called and complained about it. She gave a response that indicated they would not have because, in so many words, they would not have had a reason to investigate the account. Additionally, she said it could take XXXX or XXXX billing cycles to reflect on the account history. Therefore, I asked if it would reflect negatively on my national credit report ( XXXX ). She did not know and put me on hold to get the answer. She came back to the line within a reasonable amount of time and said she did not think it would reflect negatively because they do not report payment history unless payments go beyond XXXX days past due.
To Whom It May Concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am in receipt of your letter stating that my dispute of items in my credit report was " irrelevant and frivolous. '' I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 
Enclosed is the disputed items highlighted. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # Opened Date XX/XX/XXXX $ {$4500.00} FRAUD ACCOUNT XXXX ACC # XXXX Inquired that is not mine XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 
If you have any questions, please contact me at the address listed below. 
Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
My payment history is being reported to other banks incorrectly. We are attempting to refinance our XXXX XXXX mortgage. Seterus is stating that we have been past due. we modified our mortgage after our bankruptcy and now our mortgage is current. We have made our payments on time since XX/XX/XXXX-XX/XX/XXXX. I would like a letter stating that payments were made on the XXXX of each month. Thank you XXXX XXXX XXXX Loan # XXXX XXXX
I submitted a dispute via mail to let Experian know the following accounts are not mine. Instead of disputing the accounts, they chose to dispute the inquiries listed on my credit report which I did not submit a dispute for. This is a clear tactic to try to keep erroneous information on one 's credit report just to buy their products. When i called Experian they refused to explain why the accounts were not disputed. They are fraudulent accounts that do not belong to me : 1. XXXX  XXXX # XXXX 2. XXXXXXXX XXXX XXXX # XXXX 3. XXXX XXXXXXXX XXXX # XXXX 4. XXXX XXXXXXXX XXXX # XXXX 5. XXXX XXXX # XXXX 6. XXXX XXXX # XXXX
On XX/XX/XXXX I reached out to I C System INC. in regards to a collection they have placed on my credit report for a XXXX XXXX debt. That debt was settled with the previous collection agency ( XXXX XXXX ) whom owned that debt at the time.I spoke with XXXX XXXX w/ I C System INC. and explained that in XX/XX/XXXX that debt was settled and considered paid in full and was to be removed from my credit report in which it was and this needs to be removed from my credit report and closed. He stated that I needed to take this matter up with XXXX XXXX   because if I settled with them it would not have been placed for collection now so I must have defaulted on my agreement. I explained I did not and this needs to be removed but he stated there was nothing he could do.
You are currently reporting fraudulent information on my credit report. You are damaging my person by your institutions inability to properly verify these purported debts via an original consumer contract with my attributed security instrument applied to it. Remove these erroneous and fraudulent accounts off of my credit report immediately per 609A and 605B of the FCRA. Consumer Financial Protection Bureau will be contacted about your institutions lack of follow through and defamation of my person causing loss of personal wages.
I requested Transunion delete hard inquiries on my account that are not mine and send me proof. I sent in a certified letter requesting this information be removed and I called on the phone to no avail. They are stating they are mine and can not be deleted. I requested for Transunion to Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 


The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible. 

The hard inquiries are XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX/XXXX  XX/XX/XXXX. 



Thank You, XXXX XXXX
I submitted a request for an income-based repayment plan on XX/XX/2016. On XX/XX/2016, I received a letter from FedLoan Servicing stating, " We reviewed your Income-Driven Repayment ( IDR ) plan form and denied your request for the following reasons. 
NOT ELIGIBLE YET : You provided conflicting information in Section XXXX on the form you submitted. The easiest way to reapply is online at StudentLoans.gov. If you prefer, complete and return the enclosed form with all required documents. '' I reviewed my application several times and could not find the " conflicting information '' referenced in the letter. Thus, I called FedLoan Servicing on XX/XX/XXXX to gain additional information about the reason ( s ) for my rejection. I was told that the customer service representative could not view my application since it was submitted electronically. In order for me to find out the reason for my denial, she would have to submit a request for an investigation, which would take 7-10 business days. After 10 business days passed, I called again to inquire about the reason ( s ) for my denial. Again, I was told that the customer service representative did not have that information. Another " expedited '' request for review submitted. More than 10 business days have passed since the second request, and I have yet to hear the reason for my denial.
Checked my credit report recently. There are many inquiries that are not from me. I tried contacting these companies to remove them but they were no help. Please help me remove this inaccurate information. Ive compiled pictures and a list of the inaccuracies. 



XXXX CREDIT/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX *****ALASKA XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX XXXX XXXX *****XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY***** *****XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Reseller ) XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX *****XXXX XXXX XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX *****XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ******XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX *****XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ******XXXX XX/XX/XXXX XX/XX/XXXX Retail, Not Elsewhere Classified XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ******XXXX XXXX XXXX &XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX ******XXXX/XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *****RENTAL PROPERTY XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Reseller ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ******ST XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX *****XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ******XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX These are not from me and have been applied by someone else by fraud . I will lock my credit reports after these are removed.
Unknown XXXX account stating I owe {$540.00} I requested proof and disputed noting received. Please help
I received a {$750.00} loan and was led to believe that {$260.00} was going to be paid each month but instead they are debiting {$260.00} bi-weekly which I never would have agreed to and am not able to do this. They were very deceptive. 

Also, they never mentioned that the APR was 787 % which is unreal. I feel that I was deceived and never would have agreed to this loan had I known all of the facts up front
XXXX charged {$36.00} dollar overdraft fee when my account was never overdrawn. The notice they sent says an item presented for payment on XX/XX/XXXX caused my account to be overdrawn. My statement shows that my balance of {$7.00} and change was added to the paycheck amount that arrived on XX/XX/XXXX. The first thing to come out of that new balance was the overdraft fee.
Transunion does not have an address on my credit file which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX File Number # XXXX Date Issued XX/XX/XXXX The address is showing XX/XX/XXXX the address does not show on the report sent out on XX/XX/XXXX Credit report under Address Reported
My wife and I received a letter in the mail dated XXXX XXXX, 2016, from XXXX Mortgage stating that the servicing of our mortgage had been " assigned, sold, or transferred to Lakeview Loan Servicing, LLC, '' and that we " will be receiving a letter with [ our ] new loan number and instructions for making [ our ] payments from the new servicer. '' We waited, as instructed in XXXX 's letter, for instructions and a new loan number from Lakeview Loan Servicing, LLC, but, it is now XXXX XXXX, and we have still not received a letter from the new servicer. I tried calling Lakeview Loan Servicing, LLC, twice this morning, but I ca n't reach anyone there. The second time I called, I was on hold for over thirty minutes and their phone system hung up on me. 

I tried to set up an account online on their website in order to create an automatic recurring payment, but I need my new loan number from them to do that, and I ca n't get my new loan number until they send me something in the mail or I can reach them by phone. It 's like they do n't want our money. 

We just want to make our payment on time. It is incredibly frustrating to wait and wait and never hear from our new servicing company, and then when we need to reach them, we ca n't even get them on the phone. It 's disappointing that, as consumers, we have no say in who services our mortgage, and we are stuck with any company our loan servicing is sold to, for up to 30 years, regardless of the new servicer 's customer service record, without our consent.
XXXX, XXXX XXXX XXXX true and lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) contacted XXXX, SUPERVISOR, TELLER ID. NO. XXXX of CALIBER HOME LOANS , INC at ( XXXX ) XXXX, Extension No. XXXX to follow up with the phone call XXXX had with XXXX on Tuesday, XXXX XXXX, 2016, because XXXX never contacted and followed up with FTLC on Wednesday, XXXX XXXX, 2016, Thursday, XXXX XXXX, XXXX, and Friday, XXXX XXXX, 2016 as XXXX had promised. Instead of XXXX answering the phone on Friday, XXXX XXXX, 2016, a XXXX, TELLER ID. NO.XXXX answered and took XXXX phone call. XXXX conveyed to XXXX that XXXX stated that SHE would be the one handling CALIBER HOME LOANS, INC., CONDUIT ACCOUNT NUMBER XXXX and XXXX had not heard back from XXXX for the last couple of days to find out if CALIBER HOME LOANS, INC., finally closed CALIBER HOME LOANS, INC., CONDUIT ACCOUNT NUMBER XXXX? XXXX stated to XXXX that XXXX was in a meeting. When XXXX asked and pressed to speak to XXXX 'S SUPERIOR OFFICER ( S ), XXXX denied, prohibited, refused, and stonewalled XXXX so as to get this matter addressed, resolved and cured ASAP, which then she abruptly hung up the phone on FTLC.
SANTANDER CONSUMER USA charging very high interest rates. Checked pay off for my vehicle last month and it was XXXX and it went up this month to XXXX as the pay off amount. If anything it should be going down not up. I have been trying to refinance though another company, but no luck.
I continue to get calls 2-3 times a week from : municipal services Bureau the number they call from is different from the number they request a call back. The names change on every call. I have called them back and they want my personal info to confirm payday loan ( that I did not apply or receive ) I spoken to one person months ago and advised them not my debt, as well as according to RI Banking Division the company, name changes all the time, is not licensed in RI and there fore illegal. they have threaten to take me to court, garnish my pay and use vulgar language then call 6-7 times the same day. I no longer return calls or speak with them. I have been a victim of identity theft and fraud and am still in the process of disputing credit report and contacting creditors.
They are now calling my husband 's cell number and they were told verbally NEVER to contact me again. I have NEVER received notification of the debt to start with but they are calling after being told not to and are NASTY. I know of at least two occasions previously where they called me in recent weeks and I told them not to call again so that means don't contact at all to start with. And there have been previous calls, back previous to this recent rash of calls. Nothing in the mail from these people and they previously violated the demand to stop calling and said they would cease all communications on ALL accounts. At this point they owe me money for harassment.
Ive been fighting to two collections on my consumer report. Both are listed as XXXX XXXX XXXX problem we dont know what that information relates or who it relates too but we know its not us. This is being disputed at Experian and XXXX and needs to be removed.
I went and saw Dr. XXXX XXXX on XX/XX/2017 and paid him {$270.00} I was not happy with services rendered and I was refunded my money How can they put something in collections when I paid them and they gave my money back this is not right