WillisBack/dataset-financial-user-claim huggingface dataset:
I spoke with the collection agency and they said that XXXX sold my debt to them in XX/XX/XXXX ( while I was in active bankrupcty ). Seems to me like they were trying to hide the debt. I did n't even stand a chance to set up repayment. 
My father received a phone call from Transworld collections saying that the private student loans ( AES/NCT ) listed on my trustee ledger are now in default and that he must pay {$5000.00} immediately. They received a check from the trustee in XX/XX/XXXX, and have that noted as the last payment. XXXX XXXX ( my lawyer ) said that it would be included. My case number is XXXX. I have asked transworld to furnish the master promissory not to validate the debt, they have not provided that. They continue to call my father asking for money. They listed the charges on my credit report, I disputed it, it was deleted ( in XXXX, XXXX ) ; they listed it again after deletion in XXXX XXXX. I have disputed once more and it was deleted. This is illegal, as I understand it.
For most of my life I did not recognize nor value the the Idea of the FICO/CREDIT SCORE. Now since XX/XX/XXXX I have been working very hard with educating myself on the practices and behaviors of the CREDIT Burals. Its a lengthy process that I actually feel accomplished by. Until XX/XX/XXXX when a car dealer whom I assumed approved me for what was to be my first new/used vehicle. To my surprise the inquirie that was made in XX/XX/XXXX was not approved. Therefore it drop my credit score from a proud XXXX to XXXX this happened because the car sales attendant had regrets about telling me that I was denied initially. So with out my knowledge she ran my credit XXXX more times without my knowledge. I now know the affects of the inquiries from potintial creditors. I traveled XXXX miles from my home in a rental car that cost me {$270.00} stayed in a motel for two days before I got the bad news. My big upset and confussion was the Fact that EVEN with my {$2500.00} deposit on a vehicle valued at XXXX. I was rejected. 
When I went back to investigate the possible reason I could n't figure it out. 
The only thing I could do is continue communicating with my debt collectors with payments, police reports, dispute after dispute and multiple contacts with the credit burals it felt as though I was being ignored and was treated like I was unimportant and unwise. I went as far as to pay Experian {$21.00} for several months but still I was ignored and historically my credit report has many issues. 
After learning about the affects of the credit inquiries from outside creditors, as well as finding out about fraudulent activity on my credit report I put a freeze on my report. 
I wanted to work on addressing the Identity theft in XX/XX/XXXX. The fraudulent credit reporting from XXXX, the inquiry duplication recorded by your company and the incorrect status reports from all of the student loans except the active account. 
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of my information in the files that you are reporting which is not all correct information. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to file information it has verified. And only that .... 
If I put a freeze on my report with Experian why is this not the case with the XXXX denials for credit with I received XX/XX/XXXX. 
Attatched I have the only documentation I could find to support the the fraudulent accounts in XX/XX/XXXX. 
Although I was connected with those addresses the time frame is incorrect. 
Unfortunately their is a lot of criminal activity on the WWW. I ca n't say for sure who could have taken advantage of me but I 'm certain It will never happen again.
has me listed on my credit report as being Late in XX/XX/XXXX. My payment for XX/XX/XXXX, was {$270.00} For my credit card. Which left a {$0.00} balance on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, Equifax, XXXX, and XXXX. Neither XXXX XXXX, Equifax, XXXX, nor XXXX have correcited this on my credit report. I have disputed this 5 times with each, with no correction. XXXX XXXX call me on XX/XX/XXXX, and XX/XX/XXXX and both times apologized, and said it would immediately remove the late payment from my credit reports. They have not, and every time I call, they say they see it noted that it should be deleted. They even sent an email which stated they had a computer error in XX/XX/XXXX and would correct everyone 's credit report, because it listed an error of late.
I transferred money from my Rushcard Prepaid Visa card on XXXX XXXX, 2015, to my XXXX checking account. It was an amount of {$370.00}. The money is shown on my XXXX account as a credit and the balance showed that. On XXXX XXXX, 2015, {$370.00} was debited from my XXXX account back to my Rushcard account, and my Rushcard was unlinked from my XXXX account, bringing my account to a negative balance. That money should have gone back to my Rushcard, but it did n't. I also found out that the transfer out of my Rushcard account into my XXXX account did n't show up on my Rushcard. I called XXXX, and they told me that this would be on Rushcard 's side. Rushcard has been telling me that they do n't see the transaction on my card, so I ca n't get my money back. When I first called Rushcard about it, I was told that the transaction was seen on my card, and that whenever their system recovered from the system outage that occurred coincidentally right after I transferred the money, that my balance would be updated. Subsequently, I was told that the transfer is n't seen on my transaction history. I also keep being told that I ca n't make transfers out of my Rushcard account, which I was unaware of when I attempted to move the money between accounts. I called Rushcard a week ago, and I spoke with XXXX, who is apparently a senior customer service representative. He gave me his employee # and told me he would work this issue personally since it had been in the works for so long. I asked to speak with him today, and I was told that they did n't know if he was at work and that there was no way to get in touch with him directly. His employee # is XXXX.
keep geting phone calls to pay for a credit card i paid protection on XXXX XXXX XXXX c/oresurgent capltal services XXXX XXXX XXXX XXXX XXXX there phone number is XXXX the original creditor name is XXXX XXXX XXXX XXXX XXXX i paid them protection when i frist got the card and i paid them for years untill i closed this account now i keep geting phone call to pay then {$110000.00} i want them to stop calling me and take this off my credit report i paid for protection tell them to get the money from XXXX XXXX XXXX i paid them for protection and tell them to take this off my credit report a, s, a, p like now
I am contacting you because I am receiving a debt letter from a company I do n't know or owe money to. I google the number on the notice and it comes up scam. The letter is from XXXX XXXX XXXX in XXXX, WA XXXX phone number XXXX. I never had service from XXXX. It says I owe {$1200.00}.
I am aware of the current lawsuit against Navient. I would also like to file a complaint against them. When my loan changed from sallie mae to Navient, Navient did not follow my wishes to continue payments so that I could take my co-signers off my loan. I was in school working on my masters and wanted to continue making payments. The Navient abruptly stopped my payments, after I had requested to make a payment, they told me I had to start all over with the consecutive payments to release my co-signer since there was a break in payments due to their error. They had also told me to go into forbearance when I had the option to make income-driven payments since at the time I was only making {$15.00} and hour while paying over {$1000.00} a month for my student loan repayments. That advice has caused me an incredible amount of increase in my interest, knocked down my credit score and made it difficult for me to receive any loans for my XXXX degree. I had continually received poor advice from Navient and not once was I able to speak with a manager or higher up even after I had asked several times. I have a note on my account that my case was sent to upper management, but nothing was done. I am sad to hear that many individuals have been affected the same as I. to this day, my co-signers are still on my loan, after continual requests to have them removed. I have received a myriad of answers and none of them are consistent. I 've been told, No, the co-signers will never be removed. I 've been told after I make a year of consequtive payments. I 've been told I need to make three years of consequtive payments. Each individual working for Navient has starred me the wrong way and I have had nothing, but difficulties when it comes to making payments. At one point I pleaded with Navient to reduce my loans or I would default and they told me, I would have to go into forbearance instead of allowing me to make income driven payments or advice me to continue to make payments. I plead for guidance in this issue at hand. Thank you for your time and consideration.
My ex-wife ( XXXX XXXX XXXX, her SSN : XXXX her DOB : XX/XX/XXXX, wanted and thus, was awarded my former home on XXXX XXXX XXXX in XXXX, California, by a California Family Law Judge as part of our Divorce settlement effective XX/XX/XXXX. So I moved out of it and back to XXXX, California ( which is over XXXX miles one way from XXXX, California ) over 16 months ago. 
Since I physically moved out, I stopped paying on the existing Ocwen Loan Servicing monthly mortgage because XXXX XXXX and her XXXX year old boyfriend physically moved into it and promised to continue to pay the monthly mortgage per the signed Court Order. 
And I mailed a copy of the signed Court Order to Ocwen Loan Servicing, yet Ocwen has now started to list the negative credit " Foreclosure '' status onto my XXXX credit report. I called Ocwen up and they refused to discuss it over the phone!!!
To whom it may concern I would like to make this brief. I have contacted XXXX, Experian, and XXXX on several occasions by certified mail, phone call, fax, and online. It seems to me that this is becoming more of a fairy tale joke to you and no one has responded. I contacted each creditor but no one was able to confirm that the fraudulent accounts and inquiries are mine. They havent not yet provided me with any proof of an original document showing my signature. By law with in the FCRA 609 it must me removed immediately. It has been more than 90 days for this investigation and my results were deleted online and Im sure it was done because I called in to mention that I have record and recorded every call, I made copies of all court documents and I definitely had a run in with you guys a few years back to due to lack of providing proof of evidence on how inaccurate information was placed on my report. It seems that this is the same situation. I am fed up and this will result in a court room. I will allow the judge to make the decision because I have had previous problems with you guys.
I continue to get debt collection notices from XXXX , XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I informed them repeatedly that they got the wrong person. Pursuant to my rights under federal debt collection laws, I requested in a certified letter that XXXX , XXXX cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' They received letter on XXXX XXXX, 2015. On XXXX XXXX, 2015 I received another letter from them asking for monies. I want them to cease and decease letters and phone calls to my residence.
The Citi Double Cash rewards card offers options to redeem rewards points as direct deposit to Bank account or as Check to be mailed or also as statement credit on the credit card statement. While redeeming the rewards points as statement credit though, the Citi online site does NOT disclose that as this will reduce the account balance, any payments made will not accrue additional rewards points. I went ahead and requested {$120.00} in rewards redemptions as a statement credit ; had I known of this deceptive and sneaky practice on Citi 's part, I would have instead requested a Check mailed or direct deposit into my checking account. I called Citi as soon as I read this on a blog within a coupl eof hours of having requested the redemption, and the Citi rep refused to cancel my rewards redemption and change it to Direct deposit into checking or to send a check. 
I also warned them that I would be forced to got to the CFPB and they told me to please go ahead and do what I wanted. I would like this to be published online on CFPB per your new options so that the world can see what deceptive practices Citi is engaging in.
I fell behind on a couple payments to Toyota Financial so I called an negotiated a payment extension based on what the agent told me over the phone. Later they repossessed my car for non-payment and when I called them was told that I was never granted an extension and if I had been a totally different process would have needed to be followed than what I was originally told. Toyota refuses to put anything in writing or even send me an email summary of what was discussed on the call ( I asked multiple times ) so while I was under the belief my payment was extended they continued to register me as not paying. 
When I called again after my car was repossessed I was treated poorly by every single agent and manager and each time the details changed which I was unable to track because again they refuse to send anything in writing. When I questioned why I never received a default notice in the mail they told me it came back unreturned, however, my mail forwarding is still in place so this is not possible. Further they did not send a notice to my co-signer even though they have sent him multiple statements in the past. Again they claimed it came back undeliverable. 
I had to pay hundreds in fines and over a thousand in past-due payments which I believed had been extended based on a phone conversation with an agent. When Toyota called me they consistently asked for personal information without identifying themselves which I identify as a phishing scam and do n't respond to. 
They have acted wholly unprofessionally and my credit score has now been penalized and I have had to pay in the thousands just to get my car back from a loan I had no idea I had defaulted on. When I mentioned that I was not sure how a payment extension works since I have never done one before they just kept referring back to the same " if you read your contract '' statement even though my contact would not cover a payment extension instituted during the life of my loan. 
I was repeatedly told that agents were not allowed to put anything from the calls into writing so when I did n't receive any email or letter noting the extension I did not think this was a problem. I do n't think it is right that a company can have discussions and make alterations to a loan without leaning any paper trail and then turn around later and basically claim that I am lying because I do n't have a paper trail of my conversation with the agent. The later agents and managers I spoke to refused to even try to reach out to the agent who had originally granted me the extension and instead treated me as some kind of criminal who willingly stopped paying off a loan which I had already paid somewhere in the range of 75 % of. 
Again the main issue is that they refuse to put anything into writing that was discussed on a call then placed the fault with me when I could not prove that the agent granted me an extension and repeated treated me as if I was lying without checking with their own agent as to if an extension was granted. 
It should not be legal for a company to deal entirely in word of mouth contracts without a paper trail especially since the original contact was obviously a drafted legal document.
i am responding to an negative item on my credit report that they have charged off, so i'm asking them to validated my signature to this letter to get this item showing is in good standing. i sent the letter out on XX/XX/2018 and they have 30 days to respond before they have violated the law and now they are calling and harassing me within the last XXXX day about this account.
I have asked this company Pinnacle to verify a debt they claim I owe. I never did business with Pinnacle and I asked them to validate this debt and remove it from my credit report. I gave them 30 days on XX/XX/2017 and they still never validated and have not responded.
I have a Value City Furniture Synchrony credit card I make all my payments on time in pay more then what the minimum is, the month of XXXX 2015 I checked my credit reports in notice that Value City Furniture/SYNCB was not report my credit info correctly for the last 3 months so I disputed with the credit bureau that the balance is incorrect but Value City Furniture/SYNCB never respond to the bureaus so all XXXX of the credit bureaus deleted Value City Furniture / SYNCB which has impacted my credit score.
On XX/XX/2018, XXXX XXXX credit card stated they will REMOVE ALL LATE PAYMENTS from XXXX - XX/XX/2018. However, I checked my credit report from XXXX, Transunion and XXXX AGAIN to find that the late payment remarks still exist. I have also submitted two previous disputes with each CB as well as CFPB but nothing has been deleted and it's really stressing me out. When i contacted XXXX 's on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX 's trade-in would be redacted and deleted within 30 days, which would have been by XX/XX/2018. However, as of XX/XX/2018, the negative balance had NOT been deleted, which prompted me to send another complaint.
I had a hardship last year. I was granted the hamp program the point of contact that I had throughout the entire process did not follow the loan through she never sent me the information that my loan was approved and the exact start date, my loan was approved in XXXX and I was informed in XXXX so when I started the loan modification I was one month behind I reached out for assistance and they said there was nothing they could do I would have to try to make that monthly payment on my own, then I became two months later down the line and eventually three months so, they told me I was in foreclosure and I would not be eligible for the program unless I it was 24 months after the program that I had, received I went back and forth with this mortgage company and still was unable to receive any assistance.
XX/XX/XXXX, we paid off our XXXX XXXX credit card and sent a check for full balance and a note to close the acct. Thereafter we learned without our knowledge that XXXX  XXXX XXXX, XXXX was charging an additional {$150.00} stating we still owed this amount from XXXX XXXX. We called and stated this was unfair accounting practices after the fact and they used abusive language stating we owed and they would garnish our payroll and take our property. We stated we did not make any purchases after the account was closed and for them to justify what is the new charges for. Midland refused to explain and continues not to send us any justification. 

Recently we sent copies of our check and note to XXXX and Midland stating here is the evidence and you need to close out your fraud acct and remove from the credit reporting agencies. 

Midland and XXXX refused and insulted us with a simple letter that they are updating the debt to reflect XX/XX/XXXX. We asked again what are these 4 year old charges for  and to date they refuse to justify. 

This company is punishing consumers with a one-sided demand and ruining consumers credit with Account Identify Theft. This company is fraudulently reporting untrue claims on a consumers credit report without any appeal or solution to the problem. CFPB needs to change the way the credit and collection agencies can arbitrarly go into a consumers credit acct, overcharging and place negative ratings without clear justification or appeal process. We feel they are targeting XXXX consumers who are trying to build their creditworthiness especially when a consumer knows nothing about the charges.
Just found out that XX/XX/XXXX my monthly payment went up without them confirming that I was aware of this change. Now it has been reported on my credit score as neing past due. 
I have had it set up on autipay through my bank for over 10 yrs to pay XXXX but my monthly bill was XXXX something I just rounded it up to XXXX. 
I have not missed any payments. XXXX mailed a notice to an old address & I did not recieve it. 
XXXX supervisor stated it is my gault they had a nad address & I could go online at any time to see changes. 
I had no reason to go online when my my nill was being autopaid. 
I just spoke with Nelnet 2 supposed supervisors & they are unwilling to remove the negative late payment from my credit score that they reported. Even though I paid everu month the same as usual. And did not recieve notice of any changes. 
Why do they not have to have assure that you revieved it & have you sign aknowledgement like most business '? This would have prevented the entire incident. I diligently paid every month since XX/XX/XXXX. And now my credit dropped because of this. Customer service there was not very good except for the first rep I spoke with. 
They were not very friendly or understanding. They just kept repeating the same thing. I could inderstand if I was not paying or simething but I have been every month.
XXXX I started the process of refinancing my mortgage by going to XXXX XXXX. I was contact ed by a company named Amerisave. I made it clear to there representative ( XXXX XXXX ) that I was on long term XXXX. In addition I was contacted by another rep ( XXXX XXXX ) and I informed him as well. There only concern was if my ethnicity was XXXX. It is now XX/XX/XXXX an I was denied credit for something they termed revolving credit concerns. Prior to the denial I was informed that I would have to get documentation for my XXXX that would state I would receive compensation for a minimum of three years. That was the only thing holding up my Re-Fi. My response was, do you ask the non-disabled for a guarantee of three years of future employment? Of course not.
I have written XXXX XXXX XXXX requesting the correct balance of a bill that I was not contacted saying that I owe before sending information to a collection agency. XXXX XXXX XXXX was asked several times for information a letter of deletion and they refused to respond. I also wrote the XXXX Credit Bureau requesting the same and no response. This is what happen regarding the questionable XXXX that they claimed I owed. As you can see that this bank do n't notify their customers of any bill allowing a customer the opportunity to pay the amount in question. This was so difficult to do any banking and when I realize this was the wrong bank for me I stopped banking there. Although I had XXXX and was unable to go inside bank because of the XXXX. This bank never sent a letter or called me requesting the questionable amount. I would have paid the money to avoid putting something on my credit. 


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