WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, i bought a XXXX XXXX XXXX in XXXX 2016. They collected first and last payment and the salesman signed me up for automatic debiting from my checking in order to save 0.025 % interest. After accepting this offer, i received a notice of 30 day payment delinquency the next month after i bought this car. XXXX XXXX said the salesmen never submitted my auto debit and was charged a non payment credit hit. I am desperately trying to payoff debt, raise my score back up in order to get purchase my second home but this is stopping my dreams from happening. Please help!!
I went to the bank to get a business loan for my XXXX  and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. Can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX/XXXX  XXXX. XXXX  XXXX/XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  , XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. I have contacted the FTC and the police.
My balance statement was paid in full by the due date and on the next statement, I am charged an interest rate on the previous months charges. For example, the previous balance including the previous months interest chanrge is {$100.00} and you pay it off by the due date, according to XXXX XXXX XXXX XXXX who claims to be a manager at Citi, even though you pay off the balance, you are still charged an interest rate even though you have completed paid off the bill.
On XX/XX/XXXX I received a written communication from IC Systems in XXXX. XXXX MN offering to settle a debt for 25 % of the balance owed. The account is on behalf of my son and I am the individual financially responsible. The written correspondence came directly from the company and stated the percentage amount and amount to be payed to settle the debt completely. I contacted the company on the morning of XX/XX/XXXX and spoke with an individual stating I could pay the amount via their online payment center. I paid the amount stated in the correspondence received from IC Systems to settle the debt in it's entirety on XX/XX/XXXX. I then contacted IC Systems to confirm receipt of the online payment. They confirmed, however, they then said that the offer sent dated XX/XX/XXXX offering to settle the debt for 25 % / {$480.00} was incorrect and that additional money was owed. I stated that I had talked with someone that morning, and that was never stated. Also, I was in receipt of the unsolicited offer from them, with the specific percentage and the amount owed to settle the debt. I also stated that I paid that amount based on their unsolicited offer to settle the debt in full. The individual would only state that the letter was sent in error.

They then sent a letter dated XX/XX/XXXX - 3 days after I paid the amount in the original offer and having talked with a second IC Systems representative - stating the original letter was sent in error. The second correspondence was extremely brief and did not provide nearly the same detail as the first letter and was clearly written in response to my phone call.

I feel this is fraudulent. I am in receipt of t he original letter sent by IC Systems offering the settlement and I have my receipt showing that amount paid in full. They are now attempting to say that the original offer was invalid, although they accepted payment. I did not solicit the original offer and I feel they engaged in fraudulent and misleading practices and should be expected to honor the original offer they sent, that was paid - again, per their written offer.

The debt was settled based on their offer and should be honored. To come back after the fact should be considered fraudulent and harassment.
Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX XXXX paid XXXX XXXX  in full
Transworld Systems inc. 
XXXX XXXX  XXXX XXXX XXXX XXXX, Pa XXXX XXXX Date XX/XX/2018 our account # XXXX creditor XXXX XXXX XXXX XXXX 's Account # XXXX Current Balance {$360.00} Called them to tell them this bill was not mine. Told them that I own vehicles and do not owe this. Transworld wanted me to verify my information or give them my information and when I refused they hung up on me. This is a false claim against me. It is a scam and would like you to help me so this is not on my credit, and put this fake company out of business. They are scamming people for their information.
Diversified has re-age an old account on my credit reports. This is really affect my credit. This show be againist the law and government should n't let this happen to affect us citizens
Home Depot Credit I was denied card due to " Unable to verify identity information '' I found another name on account " XXXX XXXX XXXX '' this is not me!!! Iam XXXX XXXX. XXXX!!
I was called about a student load that can not be found for the amount. I called both my school as well as XXXX. I have a company called reliant capital solutions calling and said I must pay.
I attempted to make a payment in full on a credit card and requested a receipt, the company refused to provide a receipt only a confirmation number. When I told them that would not suffice as my HSA card requires a receipt I was told that they will not provide one. My only recourse is to call back in three day wait on hold again for several minutes to request another copy of the statement but again they would provide no receipt. 
I am unsure of laws regarding billing companies but I know a retail establishment must provide a receipt and have never had an issue such as this before. If I agree to make a payment I should be given proof of said payment being made.
Experian Report # XXXX XX/XX/2018 Personal Information : Experian has all these names in which I never used for any type towards credit or Employment. Experian has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as showing 2 times Experian needs to provide me  documented proof from state ID Passport Drivers Lic showing that these names been used by me. I also want proof documented by Experian to these names link to credit or credit cards car loan or home Mortgage anything fin in those names documented. It makes no sense that Experian creates names or address or information that is not right or does not or can be confirmed.
SKO Brenner is reporting a debt that was charged off by XXXX XXXX in 2009 on my report in violation of FCRA.
i received a phone from XXXX XXXX XXXX and they left a voicemail stating they were calling on behalf of XXXX XXXX XXXX. I called backed confused. I spoke with a female representative who was going into detail about the debt owed. I told her she doesn't need to go into anything further this has been taken care of. She proceeded to say she needs proof. I told her I didn't have it and asked if she could call the doctor 's office and she said no. she needs it from me or its going to stay in collections. She proceeded to hang up on me.
In XX/XX/XXXX, in the process of obtaining a HARP re-finance mortgage, a banker brought an item from the year XX/XX/XXXX to my attention from XXXX. I do not now nor ever recall an account with XXXX. Therefore, I request the item be removed from my report. As my credit report stands at an XXXX and has resided in that range for the last ten years or more. 
The XXXX item noted on my report reads as shown : XXXX INFORMATION DISPUTED BY CONSUMER ACCOUNT IN DISPUTEDisputed by Consumer CURRENTCreditCardOpenEquifaxXXXX
My student loan is with Sallie Mae. I have made several payments on this private loan. But, recently I have not been able to make payments due to unemployment and family changes. Now, Sallie Mae is harrasing mu family memebers, immediate and other relatives. It is a total disaster. My federal loan is under forebearance because I will go XXXX in XXXX 2016. But Sallie Mae, will not negotiate for such terms. I have written to them, called them, no success. I would appreciate any input and help. Thanks.
The seller agents forced me to go with their preferred lender. My preferred lender could n't so this loan as this is a non-gut condo and referred me to XXXX who are portfolio lender. The seller preferred lender is Penny mac and the loan originator pressured me to only go with them. The penny mac originator told me that they have a special deal with XXXX and only then can do the loan for this Condo. How can XXXX encourage monopoly in consumer finance market? The originator from XXXX tried his best but could n't do the loan as he was either not given or given incomplete incorrect documentation from the seller agents. Finally the seller agent told me that if i go with penny mac then i do n't need to pay any fine even though i was past the due date but the same option will not be given for my preferred lender. In the end even though my preferred lender gave me a 3.75 apr i am forced to go with penny mac for 5 % apr.
XXXX XXXX called last friday from hillcrest davidson saying he was trying to collect a debt. They posture themselves like a law firm. I am used to getting information requested for medical records from lawyers and this collection letter looks very similar to legal letterhead and languaging. 
I called them back today. After I informed this " XXXX XXXX '' that I reinstated my account with XXXX he did not relent. He wanted to know if XXXX " debits my account and for how much ''. I told him that I do not provide financial information over the phone under any circumstances. He then demanded that I send him bank statement copies to prove that I made payments. He kept changing the number of transactions that he wanted proof of, refused to send that demand in writing all the while using condescending language ( " oh, yeah, I looked you up. You have several locations and are SO important '' ) and manipulative tactics basically at my expense. He kept cutting me off, would n't let me finish a sentence and threatened me that he would " ruin my credit '' if he did n't get the proof of transactions today and hung up on me after I told him that I would need a day or XXXX to get this accomplished since I 'm busy with a full calendar. I was stunned at how rude this guy was so I called XXXX to request that they send the proof of my account reinstatement on my behalf. I explained the horrible tactics this man used as well. The XXXX rep confirmed that XXXX indeed contracts with this collection agency and told me they have received other customer complaints about Hillcrest Davidson. XXXX says that " sometimes there is a lag between the time that a customer reinstates their account and the quit request of collections is processed. The rep said that XXXX is going to intervene on my behalf to address this issue. It does not excuse the behavior of this " XXXX XXXX ''. Hillcrest Davidson should be required to state they are a collection agency in the top section of the letterhead, not require someone to infer it from the contents of the letter. I could see how someone might be deceived if they are not used to working with attorneys and legal documents. Thank you for your time.
CHASE has put a hold on my check and has not given specifics - regarding how long a hold remains on a check AFTER the funds clear?
In XX/XX/XXXX, I noticed a few items on my credit report that were unfamiliar. I challenged the bureaus and disputed some of the items with the creditors. One creditor in particular, Diversified Consultant, has inserted, removed and reinserted several accounts on my report in an attempt to collect a debt that does not belong to me. I observed on one of the letters, that my name was inserted on a bill dated from XX/XX/XXXX - XX/XX/XXXX. This was the first discrepancy that caught my eye. I've been requesting validation from this company for two months and they finally responded with a forged document ( bill ) dated a month prior. How is this possible that I'm fighting a collection company on a bill or debt that's not even 30 days old? 

Then they sent a letter shortly afterwards saying that the account with their office would be closed. 
I checked my report again and lo and behold, Diversified Consultants, again reporting this debt on my report. Only this time, they changed the account number. and sent a similar bill with my info photoshopped again.I 've disputed this account with the credit bureaus, to no avail. I'm not sure how this is even legal, but I decided to complain here as another option before I consult with an attorney. Also, now they are reporting the debt as XX/XX/XXXX.
This is my second CFPB complaint regarding the application of my monthly payments for the Public Service Loan Forgiveness program ( PSLF ). I have been making payments under this program since XXXX. I am 72 months into this program, but I was on forbearance for 6-9 months during that time. I have made qualifying, on-time payments on my loans for a minimum of 63 months. However, my most recent statement reflects anywhere from 30-52 months of payments. I make one payment every month that is disbursed to all my loans, however loans that have the same origination date have different PSLF qualifying amounts. Furthermore, loans that were transferred 6 months apart, have a 10 payment difference. It is clear that my payments are not being counted correctly. I have requested a manual counting of my PSLF payments since XX/XX/XXXX. To date, I have received nothing but excuses from XXXX   XXXX XXXX as to why this still has not been completed. I have spoken with XXXX XXXX XXXX representatives on innumerable occasions who have advised they were putting in a request to escalate and expedite my 2 year old request. Furthermore, XXXX XXXX XXXX advised in the previous CFPB complaint that a manual review confirming the number of my PSLF payments would be sent to me under separate cover. Nonetheless, to date, I have received NOTHING! Finally, the previous CFPB response from XXXX  XXXX XXXX said my loan was permanently removed from paid ahead status. Nonetheless, when I missed my XX/XX/XXXX payment due to an oversight, I received no notice or correspondence from XXXX XXXX XXXX. I called and spoke with a representative named XXXX on XX/XX/XXXX and she advised that my loan was still showing paid ahead even though there is a notation on the file that the loan should not be paid ahead. I had to make 2 payments in XXXX to get back on track for my payments to apply towards PSLF. I need to have a FULL ACCOUNT PAYMENT HISTORY detailing the following : the months my loans were on forbearance, what payments were applied to PSLF and what payments were not and why! I can not wait until the end of the 10 year program to get this information as it is clear that XXXX  XXXX XXXX is having a difficult enough time counting my payments at this stage.
DATE XXXX-18 OVER 30 DAYS Tranunion, XXXX, XXXX  HAVE NOT COMPLIED WITH REGULATIONS. 

XXXX  CERTIFIED MAIL # :XXXX XXXX. XXXX   XXXX XXXX. XXXX, GA XXXX. 


Dear Sir or Madam : I am a victim of identity theft. The information listed below appears on my credit report but I did not make or approve of these accounts, phone numbers, addresses, names, inquiries request for credit resulting in a credit inquiry. This happened because of identity theft.
I have contacted Security Finance several times in an effort to have them report correctly to the credit bureau that the account I had with them does not have a balance. According to my credit report they continuously verify the account as showing a {$900.00} balance. I recently spoke with a representative at the XXXX, AL office that informed me that the account reflected a {$0.00} balance and was agreed to be listed as paid in full and is listed in their system under bankruptcy filings. However, that is not the case as it reflects on my credit report. The representative also informed me that the system in which they report to the credit bureaus has been inoperative since XX/XX/2016. I questioned them and asked if the system is not working, how could they possibly be reporting correct information. I did n't get a response. According to the FCRA reporting false information to the credit bureaus is against the law and is rights for me to collect up to {$1000.00} per violation. I have informed them numerous times reporting inaccurate information is unfair to me as a consumer and they are diminishing my credit history on purpose.
Treated poorly by credit reporting agency staff that no verification needed to be sent. I feel that a proper investigation was not done as there 's XXXX collections on my report for Experian that will not be removed I do own these debts and I am still disputing them, I was told that I have to call the original creditor I 've never received any documentation from either of these companies so I feel that any communication that I start with them could be used in their favor because they are a fraudulent debt collection agency I want these accounts removed as they are not mine. I am a XXXX. Maybe they belong to my deceased father who passed away who shares the same name
XXXX XXXX XXXX XXXX keep harassing me and my daughter about a old debt from XX/XX/2004that was charged off by XXXX XXXX prior to that. This law firm keeps sending letters and calling stating " i will be arrested for not paying. '' Their address is XXXX XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX. XXXX. I looked at my credit reports from all 3 CRA 's and none list this outstanding debt.
On XX/XX/2018 XXXX and Equifax has my credit score dropping over 38 points for transunion and 48 points from Equifax There is no reason for these scores to drop that much within a short period of time Both companies can't give me a reason as to why. My on time payments is excellent my credit card usage is within the guidelines. I have had credit checks done because I bought and new car and I am in the process of buying a new home. I went on the XXXX web site and they wanted me to sign up for a XXXX dollar a month monitoring plan. Now this company drops my credit score by 38 points for no apparent reason and then they want me to sign up for their credit monitoring plan please look in to this there is no reason why my credit scores drop that much. My credit score has always been in the mid 800 's now they dropped me from excellent to good and they can ; t explain it. These people have the sole power to impact your buying power XXXX Good XXXX XXXX XXXX XXXX XXXX XXXX XXXX Excellent EQUIFAX Updated XX/XX/2018 Calculated using XXXX XXXX
I filed chapter XXXX bankruptcy on XX/XX/XXXX and the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX One bill for XXXX and the other bill for XXXX XXXX are not being undated as closed and as included in bankruptcy.
Bogus charges from XXXX appeared on our AMEX card. XXXX month was for + {$600.00} ; XXXX month was for + {$3500.00}. We do not know who they are, nor were we ever contacted by them by phone or e-mail. We always use a virtual keyboard when ever we enter sensitive data. We did not pay any of these charges and feel that this is fraud.
Working with Conrad Companies http : //www.conradco.com/ on a {$75.00} medical collection I found on my credit report. They did not have an accurate address as letters were sent to a previous address. Only letters were sent, I have not received any phone calls. The account manager I spoke to was   XXXX   on  XXXX / XXXX /17 @  XXXX  PST. She claims that once paid, the claim will drop off my credit report as if it was never submitted to the bureau. However, she will not provide any documentation confirming this. I 'm hesitant to pay the collection until it can be confirmed. I 'm also questioning the validity of the collection to begin with as the doctor 's office who originated the debt had not reached out to me. I also believe my insurance at the time should have paid the debt.
Seterus = During the trial modification period ( XXXX/XXXX/16 ) I contacted Seterus and asked how to pay the Escrow shortage so it would not be added to my monthly payments. I received instructions and sent the entire amount due ( electronic transfer from my bank ) on XXXX transaction and the regular monthly payment due on a different transfer. XXXX were received on XXXX/XXXX/2016, however, since that date I have been unable to have the escrow amount credited to the escrow balance. Phone calls from XXXX asking for this, XXXX, XXXX, each time I was promised that it would be done withing XXXX 5 days and to check back with them in a week. I did that and finally today I was notified that it was not going to be applied to the escrow balance at all. They took the money and applied to " fees '' for the final modification, all of the fees had already been added to the loan prior to XXXX/XXXX/2016. 
The final modification contract was never sent to me or my attorney, I was given a story about it being sent to a wrong address in another city, then to their attorney 's office and so many lies. It was finally sent to my attorney just a few days before day of the final foreclosure sale and was not accurate but my attorney advised me to sign so the sale would be cancelled. I signed the erroneous documents that stated the escrow shortage and I notated on the contractthat this amount had been paid. All of the fees prior were included in the BLOWN UP BALANCE THAT DOUBLED MY ORIGINAL MORTGAGE LOAN. I have followed up multiple times and to no avail. NOw they say that it was applied to A MONTHLY payment and I wo n't have to pay another payment till XXXX. 
But since XXXX XXXX, I have paid XXXX payments anyway so the fact that I do n't have a payment till XXXX is not showing me the credit for the escrow payment either. They are now also charging a {$30.00} fee for INSPECTIONS done prior to the closing of the modification contract. They doubled the price of the mortgage without telling me my balance and I was not in a position to move out with 1 weeks notice, so now I owe twice what I paid for the house and the fees are going to keep coming because no one in our government will stop the fraud being perpetrated by these companies. Just look at the number of dissatisfied homeowners that are complaining about Seterus and every other servicer of mortgage loans. These companies do nothing but take advantage of every opportunity to find an additional fee or threaten to foreclose again at a moments notice. I went from being in a bad position to a worse position on this property when I guess doing the right thing will cost me a fortune. I could have walked away and let them have the place ... they would never have gotten this much at foreclosure auction