WillisBack/dataset-financial-user-claim huggingface dataset:
I checked my credit report on XXXX/XXXX/XXXX and noticed a debt collection agency was on there. I have NO clue what this is, so I contact XXXX. They tell me to contact the agency. I have NEVER been given written or verbal notice that I even owed this debt. XX/XX/XXXX, I made a trip to my local XXXX. and was issued a bill. I was given a verbal arrangement via phone with the billing department that I could make payments. I was issued a monthly bill and paid regularly until XXXX when I stopped receiving the monthly statements. I assumed the bill was paid in full at that time. I contacted XXXX Hospital billing department on XXXX/XXXX/XXXX, since that is where the debt originated. I was informed that the debt was taken over by a collection agency called XXXX in XXXX. I had absolutely NO notice that this was taking place! I only learned about it yesterday, because I checked my credit report. I have NEVER been contacted by IMC, nor was I given notice by XXXX Hospital that they were giving my debt to a collection agency. Again, I thought the bill had been paid in full because I stopped receiving anything from XXXX Hospital. How can this happen and be placed on someone 's report without their knowledge? I have lived at the same address since XX/XX/XXXX and have had the same phone # for just as long. There can not be an excuse of not being able to contact me! Furthermore, it has apparently been sitting there for 3 years now. How do I go about getting this resolved?
I have two credit inquiries on my account that should not be there and was hoping to seek help to remove them. Both of them were pulled on the same day as well as by two companies in California. I 've never been to California nor have I ever done any business with those listed companies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
I took out a private student loan from XXXX XXXX XXXX in XXXX for {$10000.00}. I started making payments on XXXX/XXXX/XXXX 6 months after my graduation date. Since then I 've made at least 60 payments over the minimum payment, in addition to paying the minimum payments. As of now I 've paid {$8100.00}, {$5000.00} toward the principle and {$3000.00} toward interest. That would mean that around 62 % is going to toward principle while about 38 % is going toward interest. My interest is variable, has hovered around 5 % since getting the loan and changes nearly monthly. The amount that goes toward interest vs. the amount going toward principal seem to fluctuate monthly as well. One month 26 % of the installment will go toward interest and the next it will be different. I believe I 've paid approximately {$2800.00} over the minimum payments. It appears that those overpayments are not being applied to the principle of the loan. Moreover, the documentation of the loan declares my original amount borrowed as {$10000.00}. My installment amount seems to change every month even though I 'm on a steady repayment system.
One Main financial has called my wife and I a total of 10 times today. I was at work and unable to answer. My wife was sleeping for her overnight shift tonight. This has caused a significant issue for my wife and I since she was unable to get enough sleep tonight so that she can work. This is textbook harassment.
I opened an auto loan on XX/XX/XXXXwith Suntrust bank for a XXXX XXXX XXXX XXXX The car was repossessed in early XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with Suntrust, XXXX, and XXXX. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my XXXX and XXXX FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and Suntrust, I 've been told that this negative information will show untilXX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.
I have a SEARS credit card account with just the SEARS credit card. I keep receiving letters forcing me to call and state i do not want my sears cards automatically updated to a XXXX. 
Twice now I have made this contact and still are receiving the letters. I just received the XXXX XXXX and called again. 
This letter starts out with ( We will be sending you ) there is n't any choice if I do n't call them and they are going to change my credit card because if I do not call that is a confirmation that I want it?????? This is a breach on contract because they are trying to change the terms of my account without approval almost to the point of extortion, because if I do n't react they are forcefully change my card to a XXXX resulting in financial gains to their corporation.
Bank of America is requiring that I default on my loan for two months before they will consider a loan modification. One of the reason I was denied in the past is because I have not missed payments on loan. At the present moment, I am getting assistance from someone else to help pay my loans so it does n't default. I do not feel it is fair to require a customer to default on their loan payments before they can be given a loan modification.
I am re-opening this dispute. I 've been trying for over 6 months to resolve this with Target. However, they have been unhelpful. 

You can see from the attached letter, that I tried for 2 months last fall to resolve this. They sent it to the wrong department. 

I just called them and tried to resolve this yet again. They told me to contact XXXX XXXX gift cards. 

However, XXXX XXXX said the money has been released to Target, and there is nothing they can do. 

I am attaching documentation of all of my loads for XX/XX/XXXX. 

As you can clearly see, I loaded {$6500.00} ; however, I was only credited for {$5000.00} XX/XX/XXXX by Target. 

Their response from last fall was that the XX/XX/XXXX load in fact loaded on XX/XX/XXXX ; however, I did an additional {$2500.00} load on XXXX. 

I 'm not disputing that the XX/XX/XXXX load posted on XX/XX/XXXX. I 'm disputing that the entire loads for the month is missing {$1500.00}. 

My documentation is provided, the numbers do not add up to the missing {$1500.00}. 

Again, I 'm only focusing on XX/XX/XXXX, not the XX/XX/XXXX statement date, which includes loads in XX/XX/XXXX. 

I am hoping I can resolve this soon. Target has been no help.
Transunion and XXXX both have my bankruptcy as currently on file on my credit report. It was 7 years as of XXXX XXXX, 2016. When I requested the removal they stated they could keep it on my credit for 10 years.
My sister in law lease a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX , XXXX. I was her co-signer and we signed the contract at XXXX XXXX XXXX. When the lease ended she decided to purchase the vehicle and went to XXXX XXXX XXXX where on XX/XX/2018 she signed by herself ( I was not needed as a co-signer ) the sale contract ( attached ). My sister in law received a letter from XXXX XXXX/Ally dated XX/XX/XXXX congratulating her for the purchase of the vehicle and giving instructions on how to create an online login to manage her account and make payments. She did so and made the payment. XXXX XXXX XXXX XXXX XXXX has been reporting the lease account ( of the same car which has been purchase ) as opened and with payments delinquent. I contacted them explained that the car had been purchased on XX/XX/2018 and that it was financed by XXXX XXXX/Ally and asked them to contact that department since it was XXXX. They told me that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are not the same company and are not related. They also told me that I had to contact XXXX XXXX/Ally and ask them to send the payoff or verify if they had possibly sent it with the wrong information which would explain the delay. I called XXXX XXXX Ally and they said that the payoff check was sent to XXXX XXXX XXXX. This confusion between these 3 companies has been damaging my credit and my sister in laws credit. Incorrect derogatory information has been reported and I feel disrespected and helpless as a consumer. A sales contract was signed ; a down payment check was cashed by XXXX XXXX XXXX ; the first payment has been made to XXXX XXXX/Ally ( account is current ) and yet XXXX XXXX XXXX XXXX XXXX is reporting the lease of the same vehicle as delinquent. Please help us resolve this very serious issue.
On XXXX XXXX, 2017 news was released that Equifax had a data breach. According to their website, my personal information may have been compromised. As a leading credit reporting agency, I am disappointed that they did not have the security precautions necessary to prevent this hack. I am also upset that executives of the company acted in poor conduct by selling stock days after they were told about the attack.
I took the Citi XXXX XXXX card due to an offer for credit off a flight I was booking. I made the payment for the full amount by phone, received a confirmation # and also a paper statement showing a balance of XXXX. A few days later I started receiving calls from Citi saying my account was over due. I called back and they said the payment had been returned. I attemped to make the payment again and it seemed to go through again. Now a week later the account shows a balance again and another late fee and returned check fee.
I have reached out to the company. However, they never responded. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Sun Trust '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Western union.     Transferred made o n  XX/XX/XXXX  f or {$1500.00}   XXXX  . When transaction was made it showed it should ta ke 3 workin g days for receiver to get the funds.     Upon calling on   XX/XX/XXXX   was told they need some additional information to process the  payment. Information ( ID ) Pro vided on   XX/XX/XXXX .  Received confirmation email from   Western union that funds have been deposited in receivers account.
Contacted Western u  nion numerous times but was told they are investigating and doing there due diligence, received an email today that they are still waiting to hear from the receivers banks ( Almost 22 Days now  ) and i need  to wait without making it clear on how long i have to wait.     Unfortuna tely, we can not provide you with an estimated date for a refund as we are waiting for the receiving bank to provide a response and return the funds Response from western union.
I opened a citigold checking account with promotion code XXXX. I received a secure message verifying that I qualified for the account and had used the code to open the account. Later I received another secure message stating that I had fulfilled all the requirements for the promotion and would receive the promotional XXXX thank you points by XXXX XXXX, 2016. I have now been told by Citibank that I would not be receiving the points even though they have taken {$90.00} in monthly service fees from my account. I 'm not sure how to get my points as they keep pretending that we did n't have an agreement and that I fulfilled my part of the agreement.
My son, XXXX XXXX XXXX who is now XXXX and soon to be XXXX has an incorrect negative report on his Experian Credit Report. This debt of {$89.00} was a debt of his parents, XXXX XXXX XXXX and XXXX XXXX XXXX which has long since been satisfied and quite honestly was sent to collections in error on the part of XXXX XXXX for XXXX XXXX XXXX. XXXX XX/XX/XXXX at age XXXX and at no time was he legally responsible for the many medical bills from this XXXX. XXXX XXXX wrongfully put this on his credit report and XXXX and I are disputing this. He 's had a rough go of it with XXXX more XXXX in XX/XX/XXXX and XXXX. He 's good and attending college now and starting off life with a negative on his credit report when he has n't even been able to establish any credit which is what he is working on. We would appreciate any and all you can do to expedite this as his parents are buried in medical debt, but he should not have to suffer from that. 

Thank you, XXXX XXXX XXXX
I have an FHA loan for my home. When I purchased my property, because I live in a flood hazard area, I was required to purchase flood insurance, which I did. I have maintained flood insurance coverage for the entire life of my loan, and it is paid out of my mortgage escrow account. 

When the home was purchased, in XXXX XXXX, the amount of the coverage was approximately {$160000.00} with a {$1000.00} deductible, covering the principle amount of my loan with XXXX XXXX XXXX. The annual premium was {$2200.00}. 

Subsequently, Wells Fargo purchased my loan, on XXXX XXXX XXXX, XXXX they sent me a notice that said " at a minimum we require that you maintain flood insurance that is equal to 100 % of the replacement cost. '' I was advised that if I did not purchase the additional coverage myself, they would so on my behalf and increase my escrow payments accordingly. The initial increase in premium as a result was {$280.00} per year., to {$2500.00} In XXXX, the premium was again increased, to {$3200.00} XXXX as the replacement cost increased XXXX. 

In XXXX, the premium increased again to {$3400.00}. 

In XXXX the premium increased again to {$3900.00} And again in XXXX {$4100.00}. 

I discovered in XXXX, that Wells Fargo 's requirement that I maintain the full replacement cost coverage was in violation of the laws regarding insuring FHA properties. The law clearly has been, since at least XXXX has been : " The amount of flood insurance required must be at least equal to the lesser of : a ) The combined outstanding balance of all loans and maximum line of credit limit b ) 100 % of the estimated replacement cost value of the building ( XXXX ) determined by the hazard insurance provided c ) The maximum limit of coverage available under the XXXX XXXX XXXX XXXX " Meaning, for the last 4 years, I should only have been required to carry an amount equal to the principal. 

As of when I discovered this that principle was about {$140000.00}. I contacted my flood insurance provider, XXXX, in XXXX to reduce my coverage in accordance with federal law, their response was that coverage could not be reduced mid-term. 

As a result of Wells Fargo misrepresenting the law regarding the minimum coverage amounts, I have spent at least {$6000.00} more than I should have on my flood insurance, based on what I was initially carrying. Since the principle has gone down each year, my flood insurance premiums should also have been going down, so my total losses are probably more than the {$6000.00} estimate. 

When I contacted Wells Fargo to discuss this in XXXX XXXX, they took over a month to reply, and their reply was a perfunctory denial of my request for any relief and a denial that they done anything wrong. At this point, I feel that I have no choice but to file a complain with the CFPB.
Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX and XX/XX/XXXX for my XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for my mother being in the hospital, being a XXXX XXXX XXXX XXXX, and working full time to provide for my younger siblings while my mother was sick in the hospital, Id have an excellent repayment record. I made a mistake in falling behind, but since then, my mother has recovered and is now working. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to the two past late payments. To help give me a better chance of being approved for a mortgage loan. 

Thank you for your consideration, and I hope youll approve my request.
West Asset Management sent me a repayment plan request, which I completed and returned to the listed address. I agreed to make monthly payments of {$180.00}. WAM claims they did n't receive the documentation. I know for certain the documents were mailed to them. In the meantime, they have called repeatedly threatening me, saying they will see that my credit is destroyed and I will never have anything. They call at all hours of the day and night and they 've called my employer. Additionally, they 've capitalized the grants I received in the total debt amount. I 've discovered a disbursement error by the University XXXX XXXX Maine that has not yet been rectified. I want to pay my student loans in an amount that is manageable.
Franklin American decided to do a maintenance upgrade during the repayment window they give you to not be late. I tried to make the payment but the online and phone system was offline which did not allow me or other borrowers to have the full window to make the payment. I sent an email request to have the late fee removed but they did not. 

Maybe this was an oversight on their part but this is almost like the XXXX issue when the payments were delayed to increase interest or cause late fees. I might be one of thousands that have a mortgage with Franklin America that experienced the same issue when they took down there system down during the allowed repayment time.
I received my updated credit report from Transunion, the report stated the information was verified and to contact the creditor regarding the bankruptcy. Who did they verify the information with so that I can contact them. I contacted the XXXX XXXX XXXX  and they stated that they do not verify information with credit bureaus, my XXXX XXXX report does not show any bankruptcies on there. I would like Transunion to let me know who they verified the information with so that I can contact them.
I have been having difficulty with CitiBank Credit Card Services. My initial credit limit was {$1000.00} and I have been making my minimum payments. On XX/XX/XXXX I made a payment in the amount XXXX and {$60.00}. I made the larger payment because I needed to pay a bill using a credit card. When I checked my balance the following morning my limit had instantly been reduced to {$510.00}. Therefore essentially Citibank took the funds that were paid without any prior notice of wanting to reduce my credit limit or increasing my minimum payment so that the balance could be paid, negotiating a payment arrangement, or just cancelling my cash advance amount. They just took the {$470.00}. They later sent an email on XX/XX/XXXX stating they had reduced my credit limit after the fact that they had already taken the funds. I called on XX/XX/XXXX asking for a reinstatement of my credit line and/or a refund of the payment. The representative stated that he would file a request someone would contact me in 5-7 business days. I heard from no one and called them back on XX/XX/XXXX. Spoke with another supervisor who stated he would " have the request expedited '' I would hear back from someone in 2 business days '' I called a third time XX/XX/XXXX a woman said that there were no responses listed regarding the issue and that she would " send an email to the refund department '' it's been almost a month and nothing has been done. This is a shady and unscrupulous way at attempting to force a consumer to pay off a credit card faster.
I contacted the servicer of my loan requesting to speak to a supervisor. I was promised a return call and I never got a call back. This is not the first time this has happened. Whenever I ask to speak to a supervisor regarding any type of inquiry I'm told they are in a meeting and I will get a call back but this never happens.
Back on XXXX XXXX, 2014, a company called United Recovery Systems called a phone number associated with my out of state employer in an attempt to contact me. When the phone was answered, the debt collector proceeded to disclose a debt I have with XXXX XXXX to the person who answered without confirming who they were speaking to. A cease and desist letter was sent to the company, XXXX XXXX and the Attorney General 's in both XXXX and XXXX, where I reside. Complaints went unanswered by the collection company and creditor, and to date, the AG 's are pending responses from both companies. There has been no further attempts at debt validation or written communication to date from the original creditor or 3rd parties acting on their behalf.
Our  CapitalOne a ccount was charged {$12.00} on  XXXX  ,2017  for a trial offer from  XXXX  which we paid and canceled any future shipments. Then beginning  XXXX / XXXX /  XXXX   the statement was charged {$110.00} so we called  CapitalOne and was put on a 3-way conference call with a rep. n amed  XXXX  from  XXXX  who gave us cancellation confirmation numbers and we returned any products shipped, but when we got the  XXXX  statement after being told the charges were being reversed, another {$180.00} was added back, plus interest. We had written the vitamin company, spoke to supervisor s at CapitalOne and sent documentation to all and even asked CapitalOne to close out the old account and give us a new number to avoid further charges ; however, they are still adding the charges to the NEW account now! Our balance continues to increase along with the monthly payment in spite of our compliance in doing everything possible to dispute the   XXXX   offer. Our next option after complaining to the FTC and General Counsel will be to sue.
In XXXX my ex-wife and I got a divorce after 21 years of marriage and she was awarded the homestead purchased in XXXX which she intends to keep and continue to raise our XXXX children in. The mortgage of the property however remains solely in my name and credit. In 2017 I quitclaimed the house deed over to her and now she is solely on title. Wells Fargo refuses to help her assume this loan claiming that the loan is unassumable even though they had already sent her forms to begin the assumption process. 

In addition, Keep Your Home California ( KYHC ) has accepted her as a client and offered to assist her in catching up on the mortgage and assuming the loan if Wells Fargo would acknowledge her connection to the loan since their program only benefits their clients of which I am not. I have long moved out of the property and she had been making payments until the loan interest rate reset in XX/XX/XXXX and the payments increased from {$3200.00} a month to {$5300.00} a month, which is unsustainable in its present form. It is strange that after over seven months of speaking with more than 10 people in different Wells Fargo departments, they are not offering a way to refinance/assume this loan. We have explained several times to Wells Fargo that by acknowledging her connection to the loan, KYHC would assist her in paying the past due amounts and assuming the loan, but they have not done any thing and have been calling with extensions on their internal investigation while the clock has been running and my credit has continued to show more late on the outstanding payment. 

Please your assistance is needed to help resolve the long standing matter. Thank you. 

Sincerely, XXXX