WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a complaint ( # XXXX ) regarding Nordstrom Credit cards because I was unable to change the auto pay feature either online or over the phone and I wanted to reduce the automatic amount from the full statement amount to a lesser amount ( {$1000.00} ). After XXXX or XXXX phone calls and filing a complaint with CFPB I was assured by multiple Nordstrom representatives on the phone AND in XXXX LETTERS that they would deduct {$1000.00} from my checking account on XXXX XXXX. XXXX of the letters from Nordstrom Rep XXXX XXXX acknowledges that the problem was with Nordstrom, and explicitly states that they were going to deduct {$1000.00} from my checking account on XXXX XXXX. The checking account listed on my Nordstrom card account is the same one that has been listed for several years and was the same XXXX Nordstrom used for auto pay from XXXX XXXX through XXXX XXXX. They posted the payment on XXXX XXXX, but never sent the request to my bank account AND NOW THE ACCOUNT IS LISTED AS OVERDUE. I have now made ANOTHER payment online of {$1000.00} BUT I HAVE NO IDEA IF THEY ARE GOING TO HONOR THE PAYMENT OR NOT ( conf # XXXX ). If this screws up my credit, can I sue Nordstrom?
For the past XXXX month I tried to clear up wrong information with XXXX and XXXX Bank and XXXX XXXX ) XXXX XXXX close XXXX of my account base on incorrect information from XXXX XXXX Home Depot Credit card and XXXX XXXX ) These account has never been late. After speaking with a Attorney, I was told XXXX XXXX report to the companies they represent, I 'm a risk to do business with them. I have done business with XXXX XXXX and XXXX XXXX over 1XXXX years my account has never been late. What is the risk?. This is a marketing strategy XXXX XXXX use to make money on the consumer backs. Where are my rights? XXXX XXXX knows credit reporting companies are always reporting incorrect information. They do n't care about the consumers. Had I known this I would not have applied for these cards. Can I suit XXXX XXXX, XXXX XXXX, XXXX XXXX for the hardship they created for my husband and I. I do n't remember signing an agreement with this authorization. When will the CFPB hold the credit reporting companies accountable for hurting the consumer time over and over. When you are conducting financial business the opportunity can be huge for you and your family. Because of bad information the credit reporting companies kills it every time. Please help the consumer. Companies like XXXX need regulation from hurting the consumer.
This company wanted my bank acct. Info before loan amount or fees were discussed. They stated they were in good standing with the XXXX. Ok i put in my bank info.They approved me for XXXX. The last step said they needed to verify my bank account. They wanted my online banking login info. To make things worse the terms and conditions state all submitted info is property of opp loans.That is a huge red flag and they have my bank info now. There are ways to verify correct bank info. This should be fraud.
I have been asking for Equifax to remove a Charge off account from my credit file for several months now. I have asked for the method of them claiming they have verified the account, who they spoke with and a copy of a contract with my signature but never get anything but a email with results saying that the creditor verified the account. 
The account is XXXX XXXX XXXX XXXX XXXX Acct # XXXX
I graduated with my XXXX XXXX in XXXX XXXX   studies and started paying off my student loans in XX/XX/XXXX. Initially my loan was with Sallie Mae ( now Navient ) and it is now with XXXX XXXX. When I discussed my repayment options with Sallie Mae on numerous occasions, they always insisted I repay my loans using the standard payment plan and discouraged me from the income driven plan. They told me I would pay my loan off faster if I did the standard plan and encouraged me to pay more on top of the monthly payments when it was feasible for me. They did not present the public service loan forgiveness program as an option to me, even though I was clearly working in the public service department as a XXXX XXXX. 
I honored that plan, making my payments timely and in full over almost 6 years, even paying extra principal whenever I could spare, trying my best to get ahead as they advised. 
In XX/XX/XXXX I discovered the Public Service Loan Forgiveness ( PSLF ) program and contacted my current loan company,  XXXX XXXX. They explained I would qualify if I simply switched to an income driven repayment plan. I immediately changed my payment plan, applied for the PSLF program and qualified. 
In retrospect, I was paying considerably MORE on a monthly basis and at a higher interest rate ( even without the additional principal I was trying to pay ), in the Standard Repayment Plan then I would have had I been enrolled in the Income Based plan from the start. Let alone the fact that I would have been accumulating credited time towards loan forgiveness. Had I been properly informed of my options, this one plan in particular, I clearly would have gone this route. 
When I was told by my loan company and PSLF that there was nothing they could do to for the 5+ years I lost out from participating, I contacted my lawyer who directed me to our state congressman, XXXX XXXX XXXX I explained to him that the previous 5+ years of loan repayment did not fall under the strict guidelines currently in place for eligibility of the PSLF program and I was interested in the possibility of the guidelines being amended going forward and possibly on a retro-active basis. Unfortunately, they were unable to help. 
I have recently discovered that I am one of many individuals that were wrongly advised by Sallie Mae ( now Navient ). If it wasnt for their misguidance to convince me to pay more using the standard loan repayment plan and steer me away from the income based plan, I would have qualified for PSLF 9 years ago. Not only would I have saved money a monthly basis, but I would qualify for complete loan forgiveness later this year. Instead I have paid thousands of dollars more than necessary and will be paying off my loans for an additional 5+ years. I have struggled at times to make my payments but have always made the sacrifice and kept it a priority. It is wildly unethical what Sallie Mae/Navient has done to me and apparently many others. Clearly they mislead customers like me for their own profit. Before I continue to pursue this legally, I thought it would be beneficial to make a formal complaint to your department.
1 ) I called TransUnion/XXXX and sent dispute letters as well stating acct # XXXX for amount {$630.00} is not my account it was open fraudulently and it still has not been removed. I also called the collection agency XXXX XXXX XXXX XXXX and disputed it on there end. I have been disputing this account since it appeared on my account and I will not be accountable for an account I never opened. 

2 ) I called/sent dispute letters to TransUnion/XXXX stating acct # XXXX for amount {$320.00} is not my account it was open fraudulently and it still has not been removed. I also called company stating I never opened the account please remove amount or detach my name on the account and no action. I have been disputing this account since it appeared on my account and I will not be accountable for an account I never opened.
I disputed the account with XXXX ( Acct # XXXX ) with XXXX XXXX and Transunion. XXXX conducted an investigation resulting in the account being deleted. However the account was re-inserted back onto my credit report. I was not given notice of this according to the FCRA. I 've attached and highlighted evidence of the account being deleted.
I 've recenlty been a victim of a preditory loan. I purchased a bed from XXXX XXXX in California and with it came a promotion for 2 years 0 % APR. During those two years I made regular payments on the credit card through Synchrony Bank and also requested e-statements rather than paper bills each month. I never received an e-statement in my email, which on their website it says I was to be receiving e-statements, but they made sure to take out payments from my bank each month. Recently the 2 year 0 % financing period ended and they charged me 30 % APR deferred interest on the original purchase amount not on the remaining balance. Prior to the expiration date I never received a notice informing me of the upcoming expiration date and since I was not receiving the statements in my email, I missed the expiration date. I had to sign into my account and check on the status of the account, and it was then I noticed an interest charge of over {$1100.00}. I called their customer service and asked if I could just pay the remaining balance today and be done with the card and not be charged the incredibly high interest charge, especially since this was something that happened about a month ago. The account manager was immensely unhelpful, and when I asked to speak to her manger she took down my number and said they would call me back within 72 hours. At this point I would like to get this resolved as soon as possible since they will continue to charge me % 30 APR until I pay off the card.
I have a credit card from Band of America and I set up the automatic payment to pay my balance fully every month. But when I checked my statement, I found that from XX/XX/2015, every month there would be multiple payments to my credit card. One is called PAYMENT DIRECT DEBIT - THANK YOU, the other is BA ELECTRONIC PAYMENT. and in most of months, the combination of these payments would exceed my balance, which led to a credit balance in my account. I just called BOA and the customer service said one of these XXXX payments was not recognized. But I only set up the automatic payment on BoA website. I did n't set up other automatic payment.
On a number of dates I 've informed this company I do not have a debt with them and to stop bothering me at work. One more time today, XXXX XXXX, 2017, they called me at work and left a collection message on a company voicemail. This needs to stop immediately. 

XXXX XXXX
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I hAve XXXX hard inquiries that I have not done. 
XXXX transunionXXXX XXXXSays made XX/XX/2015Please Investigate and take off my report. I am trying to fix my credit not damage it.
Constant phone calls 8-12x a day every single day, and now calling my reference call sheet to harass them as well. I offer for them to repo my car to pay off the balances but they refuse. Need help to stop this. I have to block their calls but everyday a new call appears instead. All calls coming from California - Loan Mart office # XXXX800loanmart.comLoanMartXXXX XXXX XXXX. XXXX XXXX, CA XXXX
This company.J J Marshall & Associates did not properly serve me a summons. The summons was left with a family friend and was not signed for and the officer ( or person she described dressed in a police officer uniform ) told her that I didnt not come get the packet from her as soon as possible and respond I could be going to jail and its possible I already I have warrant out for my arrest. I immediately called this agency to try to handle this and I was advised that I first had to pay for them serving me before anything could be handled and they also needed a financial statement from me. Also the amounts they are suing for are incorrect. Also the original creditor says another company holds the debt.
My car note is due to SunTrust on the XXXX of each month. As a condition of getting a preferred interest rate, SunTrust required the payment for the auto loan be made from a SunTrust checking account. Each month, several days before the XXXX, I submit a request to XXXX XXXX XXXX to send a deposit to the SunTrust Account. I do n't use the Suntrust account for any other purpose. On XXXX XXXX, I entered a " billpay '' for {$850.00} into the XXXX XXXX XXXX system, to be sent to Suntrust. According to XXXX XXXX XXXX records, the payment was delivered to SunTrust on XXXX XXXX. Despite that, SunTrust did not credit the checking account with the funds transferred from XXXX XXXX XXXX until the XXXX of XXXX, XXXX day after the payment was due. The automatic debit from the SunTrust account was declined as insufficient ; SunTrust also charged me late fees on the loan. There is also a {$10.00} service charge on the checking account every month. The fees totaled {$100.00}. I paid well in advance of the due date. I have proof that SunTrust received the funds. I would like a refund of the {$100.00} and a different payment method from SunTrust. Similar transactions have occurred three times during the life of this loan, which is not quite three years ago. I have also complained to XXXX XXXX XXXX, because I do n't know whether the transfer from XXXX XXXX XXXX actually reached SunTrust by the XXXX as the XXXX XXXX XXXX records indicate. 
Thanks for anything you can do to prevent this from recurring.
I had to co-sign for my son 's Sallie Mae loan for his senior year of college. According to my MSA, ( Marital settlement agreement ), my ex husband is responsible for XXXX of ALL college expenses, and student loans were NOT to be in the children 's names. I also have a court order ( XXXX XXXX, 2016 ) in which orders the loans to be transferred into HIS name. I have spoken to Sallie Mae, and they refuse to transfer ownership of the loan. Please advise how to proceed
Since XXXX XXXX I am a Medicaid recipient and this benefit has never stop. This company is trying to collect a debt that I do not owe because Medicaid pays all the bills that we owe. The situation and my concern is that XXXX members of my family have been contacted by this agency and XXXX of them paid more than XXXX XXXX dollars for a debt from XX/XX/XXXX when he was a child. Also my uncle who is medicaid recipient too, is being harassed by them trying to collect a suppose debt.
I received a letter from my lender, Everhome Mortgage, XXXX XXXX XXXX, XXXX, GA XXXX, stating that their show my insurance had expired and that the were going to buy insurance for my property, it would likely be more expensive, and that I was financially responsible. There is no indication of the time frame I have to resolve this. My insurance has not expired and is up to date, the error is in their recording keeping. The tone of the letter is very threatening and places the entire onus on me, not the lender. I do not think the threatening language is appropriate and the lack of details about time frame for the process in unacceptable and produces the appearance of immediate action on their part without my input.
I co signed XXXX loans for my son years ago with XXXX XXXX now Navient and we have had nothing but trouble from them. At first he would pay his loans on time then fell behind and would pay late but would pay. Anytime I would reply to letters/bills from them asking for help from them it was always 3 options and 3 only. One was that they would reduce the amount owed if he would pay them off ( If he could do that he would have no trouble making payments ) or call to go over his options etc but they offered no real help. We got a call from one woman, who said she was a supervisor and wanted to resolve this and help him out. She explained that " if he would make a {$90.00} payment today, it would bring his XXXX loans current and this would be his new payment. ME : Is this per loan or combined? NAVIENT : This is combined. ME : So {$90.00} dollars is his new payment total for both loans? NAVIENT : Correct. ME : So he will no longer be behind, his accounts will be current and you do what? Tack what he was behind on to the end of the loans and he starts fresh? NAVIENT : Yes. '' WRONG! WRONG! WRONG! This became a " NEW '' loan to which neither of us knew we were opening or agreeing to!! We found this out when they withdrew ( or attempted to ) the {$90.00} and his normal monthly payments from his bank accounts! When I called to speak with the woman ( whose name and info I literally threw out months ago ) I was told " Oh she no longer works here ''. Right. XXXX XXXX XXXX, I got a call from a law firm that I hired to pay off debt I had incurred supporting my mother and my son and his wife while they were in school. They told me to call them regarding my account. My debt was paid off and my account closed in XXXX XXXX. The law firm would n't give them any info and even asked why they were asking about an account with them and Navient said " Oh someone told us ''. They were never even listed in my debt repayment. I thought this was illegal. I asked my son if he mentioned anything to Navient and he said no. These people are crooks who lie cheat and steal. I am a widow on a fixed income for XXXX and can not afford to pay these loans ( I was able at the time I signed and did make some ). I have no pension no nothing left. I pray you can help us.
I have received multiple phone calls from different phone numbers. Sometimes they leave a message and sometimes they do n't. When the message is left it states if I do n't contact them legal action will be taken, and I will be served at my place of employment. The last phone call I received the message said I was a person of interest. I called the number back due to wanting to find out what this was all about. The guy said he was calling from Concord Resolution and his name is XXXX. I would not verify my social security number so he asked if I lived at the address that was listed. I agreed to verify my address. He said I owed money to a pay day loan company called XXXX XXXX, XXXX. He said they attempted to collect the debt multiple times but have not been successful. I informed him they never sent me any paper work claiming I needed to pay a debt. I have never taken a pay day loan out with XXXX XXXX, XXXX. He said this is the last chance I have to pay {$520.00} and if I do n't pay it today he will have to say it was not collected and my wages will be garnished. I informed him until I receive paper stating that they are filing a lawsuit or filing a claim against me in court they can not garnish my wages. The number XXXX gave to call him back was XXXX. There have been multiple other numbers that have called also, I did not save them. He also wanted to verify any banking information, I informed him I will not say yes or no, because that is not valid. He said the loan was taken out in XXXX XXXX, 2013. I informed XXXX he needed to send me the paper work he has in front him so I can verify it was legitimate. He has still not sent me anything.
Midwest Recovery Systems placed an account in collections under all three of my credit bureau reports XXXX as of XX/XX/XXXX in the amount of {$810.00}. I have not received any written or verbal communication from this company regarding this collection nor have they allowed me the chance to validate this debt prior to placing it into collections on my reports. My credit reports state this account went unpaid as of XXXX which is not true! I have not had any unpaid accounts in more than 7 years as I have watched my credit reports vigorously. Therefore, this can not be correct. The account number listed on the reports for this collection is # XXXX. If this company can not validate or verify this debt they are not allowed to collect it. Also, an account can not be reported if the ORIGINAL DATE OF DELINQUENCY is more than seven years. Midwest Recovery Systems will need to provide proof of the original delinquency date which is the date the account first became delinquent ( with original debtor ) and after which it was never again brought current in order to continue reporting. 
Address on file : XXXX, MO XXXX or XXXX XXXX MO XXXX.
XXXX has listed on my credit report a debt that was abolished by XXXX Finance in XXXX 2013. This was a joint account as I co-signed for a coworker to purchase a used car. XXXX Finance agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. XXXX keeps verifying the debt as valid because XXXX Finance is supplying fictitious information because collection efforts remain in effect for XXXX party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. Equifax is also listing the erroneous account by XXXX Finance as past due in the amount of {$1500.00}.
Name of Creditor : Financial Control Services Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, TX XXXX Re : XXXX Amount : {$330.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
Hello, Im working with a client of mine to rebuild her home that was lost in the XXXX Fire in XX/XX/XXXX. We summited all details to XXXX XXXX   in XX/XX/XXXX and since that date we keep getting the run around. 
We summited to rebuild a manufactured home, we have been told that corp approvals take 7-10 business days, 5 months later and 15+ calls same answer. 
Just last month we where asked to begin to talk to a man named XXXX. Since last month nothing has happned.
Portfolio Recovery has been and continues to attempt to collect monies from me that I do not owe. I have never had an account with the company they are representing and I have also signed an affidavit of fraud as they requested. This negative reporting on my credit report is causing great damage and I want this matter corrected as soon as possible.