WillisBack/dataset-financial-user-claim huggingface dataset:
There is item in collection on my credit report. The collection agency is called XXXX XXXX. Its for {$230.00} owed to XXXX. 
I have never had XXXX account. I live in XXXX and we do not have XXXX here. 
I have been trying to get copy of the invoice or some sort of documentation or proof of this invoice. XXXX is giving me run around. This has been going on since end XXXX 2015. I am at my wits end because I do n't know what to do. My daughter lives in Florida and has XXXX account. Maybe its from her, she still has XXXX and she knows nothing about this invoice. This is affecting my credit score which I have been working very hard to improve.
I am a former customer of US Bank. I closed my account over 2 years ago now, due to the fact that I couldn't afford the overdraft protection fees associated with my account. I asked US Bank, to turn off my overdraft protection so that I wouldn't have to worry about incurring these fees anymore. I was told, by a telephone banker that the overdraft protection, was turned off on my account and that I wouldn't occur any more fees. After several months, I received a letter in the mail stating that I owed US Bank {$130.00} and change. I inquired about how I was given this amount, but I wasn't given a straight answer. The last contact that I was given, was by letter again stating that my amount owed had changed to {$320.00}. Every time, I received a letter there was not an option to have my potential debt, reported to the NSCRA as paid in full. I spoke to 2 different people today, XX/XX/18 and was told that if I wanted my debt to be paid and reported in full to the NSCRA, I  would have to pay the total of {$320.00}. I don't feel that I'm responsible for this amount, due to US Bank " padding '' my bill, and due to the fact that my overdraft protection was supposed to be turned off. I will gladly pay the current settled amount of {$130.00} paid in full with, US Bank if they will be willing to report to the NSCRA, that my account is paid in full, not settled in full.
Continues to contact me after sending a receipt of payment to the original creditor ( hospital ). Told them on the phone and in writing that I disputed the debt and not to contact me by phone any more and to send any proof that I am wrong about this debt. I have seen nothing from them to show that I owe the debt. They stopped calling but began again recently. So my complaint falls in several areas of the fair credit act. Not calling again after told. Not responding in a timely manner when the debt was disputed 6 months ago.
I had a bank account closed on XXXX XXXX 2015 and I was not notified. As to this day I have no idea why the account was closed or what the issue was. Due to this action by US bank my car, credit cards and utility bills have all not been made and have effected my credit score. The account in questions XXXX The account had no actions on it for a week and had no negative balance. This account that was closed was a direct deposit account for my paycheck. This amount was not taken into US bank and at this point I have not received my wages. US bank has also charged me overly for late and over draft fees for over six years. I have continued to ask for explanation on this and have received none. US bank can not just closed a account without notices to the customer a give them ample chance to change information so wages and bills are not unfairly effected. I have a family and each of my paycheck is needed for housing and food.
XXXX, Experian and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
A little background to the story, I 'm an out of state XXXX student. I get a scholarship to study here & the tuition takes couple months to come in to my account. I 'm not working due to the fact that I 'm a full time plus more student. My mother is a single mother, trying to provide both me & my XXXX year old younger brother. It 's very hard especially during this time of the year, when I have to constantly ask my mother for money for food & material/supplies I need for upcoming/ongoing projects ( materials can be pretty expensive! ). Recently, Wells Fargo charged me {$35.00} XXXX on a purchase I had made at XXXX XXXX on a Thursday and money was put in the following day. Throughout the whole weekend, I constantly checked my bank account to make sure I did n't have an insufficient fund & I was doing completely fine. However, just today which is Monday, I checked my account to see that they charged me {$70.00} total for the transactions. I put in money into my account right after and called in to see if they can reimburse the fees but they coldheartedly declined my request and said that there was nothing they can do to help me. I do n't understand how any kind of banking service would be this rude and disrespectful. The charges were n't my fault, but still they refuse to believe that the fault is their system. I 've been a Wells Fargo customer for good 5 years, and yet they still have yet to respect me as a customer & help me out with the slightest thing like an reimbursement.
AC Auto Pay located in XXXX, CO claims that I owe a debt of {$8500.00}. I sent the initial letter of dispute on XX/XX/2018. I demanded proof that the repossession of the vehicle was in legal accordance with the following UCC : 9-506. ) EFFECT OF ERRORS OR OMISSIONS 9-611. ) NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. ) TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL & 9-613. ) CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. AC Auto Pay replied claiming that they sent a NOTICE OF INTENT TO DISPOSE as well as a NOTICE OF SALE OF COLLATERAL AND POSSIBLE DEFICIENCY. On the Notice of Intent to Dispose, the amount owed is {$8100.00}. On the Loan Billing statement, the amount owed is {$8000.00}. On my credit reports, the amount owed is {$8500.00}. As you can see, they have violated the federal law in more than one way. The repossession was not fully in legal accordance with UCC 9-506, 9-611, 9-612, and 9-613. This is a violation of FCRA & FDCPA and the entry must be removed. Furthermore, AC Autopay did not provide proof, bearing my signature on a certified mail receipt that I even received these documents that they allegedly sent via certified mail. I do not recall receiving these documents.

Lastly, AC Auto Pay did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a notice of dispute on the account within 30 days of my dispute, which they signed for on XX/XX/2018 ( I will attach a copy of the signed receipt ). I have retained a time stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period. 
As this company have violated federal law, by not properly providing the credit bureaus with proper notice within the required time frame, and I have evidence of such, via certified mail receipts, they must now remove the item.
Professional Credit Management Inc hired a lawyer and filed suit on XXXX XXXX, 2015. I have not been notified by mail that they intended to pursue the matter in court, and was given no opportunity to discuss any potential settlement or payment.. I have not as of XXXX XXXX, 2015 been notified of their intent to sue or that they have actually filed suit as of XXXX XXXX, 2015. Research indicates this company has a D rating by the Better Business Bureau. This company has not called me as it does not have my phone number.
I answered an email for at home work opportunity, posting links. I was quickly talked into setting up a business and paid {$9800.00} to begin. After several coaching sessions ( 30 min ) with assignments ( lining up products, etc ). I was asked to pay for a blog. I never made a penny out of this. They said they would also promote my website, increase my sales and traffic. I terminated my services after contacted by XXXX. All these companies were calling me offering an online related service and asking for money.
My mortgage was at XXXX now my new mortgage is XXXX starting XXXX 2015. The reason for this is because my escrow was overdrawn for home insurance with Flagstar. Not sure for how long but, I came up with my own home insurance. I have recently returned a check to Flagstar in the amount of XXXX. I am trying to bring down my payment back to XXXX and pay for my own home insurance since my escrow keep being overdrawn. The way Flagstar explained to me is that out of the {$550.00} paid monthly {$70.00} will be put back into my escrow. I have attached information on my account with Flagstar since XXXX and the amount remains the same every year to total XXXX. What mortgage remains the same for 13-years. Can you help?
Harvard Collection ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) has started collection activity on XXXX alleged medical accounts by placing the XXXX accounts on my credit, XXXX and XXXX. ( acct # XXXX ) They are listed as being opened on XXXX/XXXX/16 and were put onto both credit bureaus on XXXX/XXXX/16. 

The insertion onto my my credit is collection activity. By law, FDCPA section 809 ( a ), collection agencies are required to notify the alleged debtor in writing within 5 days on starting collection activity. Harvard Collection did not and has not ever attempted to notify me before or after starting this collection activity in any manner as required by federal law. 

Secondly, both accounts appear to have the same account number and are from the same company. I believe they are also attempting to increase the negative impact on my credit by splitting these alleged bills into XXXX separate ones and cause double damage which is also against federal law.
I have my XXXX check direct deposited with XXXX XXXX. And every month for the last year and a half they have been charging me XXXX cents for a paper statement mailed to me that I did not request. On their website they give you an option of checking a box for a paper copy. The box is not checked. I have called and requested that they quit charging me and that I want all the charges refunded to me an am told I will hear back from the in 5 business days and I never here from them on this matter. Since it is the XXXX of the month I checked my account balance and they charged me XXXX cent this month also XX/XX/2018. I have contacted them 3 times about this matter. I wonder how many more people they are doing this to..If I didn't check my balance daily I would have never noticed the XXXX cent fee.
Freedom Mortgage has been aware since XXXX XXXX they owe me {$3100.00} from XXXX duplicate mortgage payments and has taken no steps to remedy the issue. 

In XXXX or XXXX XXXX, my mortgage was sold to Freedom Mortgage. My automatic payment for my previous mortgage company was no longer valid, so I called to make a payment, then attempt to set up automatic payments. My first attempt at setting up their automatic payment was unsuccessful, and I never received confirmation that the automatic payment process went through. Both my XXXX and XXXX mortgage payments were one-time payments. In XXXX, I set up automatic payment for my mortgage through my bank because I was unable to do so through Freedom Mortage 's website. The only correspondence I received from Freedom Mortgage in XXXX XXXX was three emails on XXXX/XXXX/XXXX through their " Secure Email Center '' with a password reset. 

In XXXX XXXX, Freedom Mortgage began deducting my payment from my bank account. Again, I had received NO confirmation that any auto payment was set through Freedom Mortgage, so the automatic payment established through my checking account on XXXX/XXXX/XXXX ( and for which I have an email confirming its setup ) was also sending monthly mortgage payments to Freedom Mortgage. 

In XXXX XXXX, I discovered the duplicate monthly payments and contacted Freedom Mortgage. I was instructed to email with proof of duplicate payments, which I did on XXXX/XXXX/XXXX with a screenshot of my bank statement from XXXX-XXXX. I did not receive a response from the company acknowledging my email or a confirmation the email was received. 

I contacted Freedom Mortgage today, nearly 1 month later, and was told " they never received my email, '' " they would escalate my request, '' and they " attempted to call me on XXXX/XXXX/XXXX to follow up on my issue, but could not leave a voicemail because the mailbox was full. '' This is a false statement ; I did not receive a call from them on XXXX/XXXX/XXXX, and my voicemail box has not been full. They have not made any attempt to correct this issue. 

It is appalling to me that a financial institution can enact automatic payments without sending proof or confirmation of doing so. It is also egregious that emails sent to their customer care department, particularly concerning an escalated issue, go unanswered. This company has no regard for its customers, and its customers have no recourse other than refinancing to avoid working with this company. 

{$3100.00} ( {$1000.00} x 3 months ) has been out of my bank account from XXXX, XXXX, and XXXX XXXX -- this money has not been available to me ; Freedom Mortgage has had access to my money and has accrued interest on my money, without authority to do so. 

I would like my funds, plus interest, returned IMMEDIATELY to my checking account. I also urge an investigation of Freedom Mortgage 's customer correspondence practices and its process for establishing automatic withdrawals from customer accounts without sending correspondence confirming this action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX
Threats to put this on my credit report as well as trying to get me to forcefully pay an amount that I do not owe.
I make a {$200.00} XXXX XXXX payment monthly. It is in excess of my required monthly payment. Therefore, I am currently due for XX/XX/XXXX. My employer introduced a new benefit for student loan pay downs. My employer will be sending {$120.00} extra a monthly on my behalf to my servicer, FedLoan Servicing. The payment from my employer through XXXX, sent instructions to apply the payment as principal only. The intention is to pay my loan after faster by applying the payment to principal only - not interest. My payment was applied XX/XX/XXXX. I called XX/XX/XXXX regarding the payments application because it was applied towards interest and principal. I explained that there was a letter accompanying my paperwork explaining it should be applied as PRINCIPAL ONLY. I was told by XXXX XXXX, and XXXX XXXX that it is not possible to make a principal only payment towards your loans and they refused to make it a principal only payment. Both employees stated that FedLoan servicing only applies payments in that manner and they will not apply any payment to principal only, regardless of payment status. Mind you I am due for XX/XX/XXXX - all other loans I have, will allow a principal only payment as long as you are current on your payments. I am making a good faith effort to pay my loans, on time, in addition to paying about {$140.00} extra/month, yet my student loan servicer is making it more difficult for me to get out of debt by refusing to allow people to pay principal only. Creating additional profit at the expense of individuals attempting to rid themselves of debt. I would just like to be able to apply my future {$120.00} payments towards principal only.
I owe a debt for a car repossession. I do not dispute the claim, however, I am human and I simply forgot to send a payment to the debt collector for XX/XX/2016. The debt collector sent me a reminder notice and at the bottom of the reminder notice, he, being XXXX XXXX hand wrote in blue ink " last chance ''. That verbiage made me feel like I was being threatened. I felt very uncomfortable with what was " hand written '' on the letter. I believe this is a violation of the FDCPA Guidelines : 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692.
On XXXX XXXX 2014 I asked for a GFE and they gave me Closing Costs Worksheet with Estimated Closing Costs of almost XXXX and an interest rate of XXXX for 180 months. After that, they sent me a letter dated XXXX XXXX 2014 with additional closing costs totaling XXXX. I then spoke to XXXX XXXX and XXXX XXXX and XXXX assured me of the XXXX if the appraisal comes in okay. XXXX also acknowledged that the property was a duplex. On XXXX XXXX 2014, the settlement statement ( HUD-1 ) showed XXXX due for closing costs that I rolled into my loan, which originally was XXXX less discounts ended up being XXXX. I ended up closing the loan due to the amount of time that had passed.
Hello, On X/XX/2017 I called and documented a phone conversation with my student loan service, Navient. I was inquiring about repayment options as the current payment has not seemed to reduce the over balance at all. Also, I have been paying diligently for the past 10 years and myself and cosigner have hit a point in our lives where we can no longer afford to pay the required amount each month. I was told there are no option available to me until my loans have been defaulted. Only then would they negotiate a settlement. This is not a reasonable option as it will negatively impact my credit score. So it seems, 1. I can not lower by balance making the current payment 2. I have to go into default to receive any option for settlement or reduced payment Thank you.
I'm a very ill person, with XXXX problems waiting for a miracle or a XXXX XXXX, I believe someone is trying to open loans under my name, there has been numerous hard core inquiries on my credit bureau report with XXXX and XXXX, mostly companies that give loans, I'm too sick and weak and in bed to be fighting, but this is ruined my credit report, I have notify XXXX and XXXX, and I have put a freeze but nothing works the inquiries keep coming. 
Please advice. I need help Im old and scared someone will take the little money I have.
On the evening of XX/XX/XXXX, I electronically transferred {$78.00} from my Bank of America ( BOA ) checking account, to my daughter 's BOA checking account. The internet stalled as I waited for XXXX ( the entity that BOA uses for online transfers ), to zap that {$78.00} from my account to my daughter 's. I got an error message about XXXX not being able to make what XXXX stated would be a duplicate request. But XXXX slowly confirmed my transaction was done. As I checked to see what was done, I saw XXXX had made THREE {$78.00} transfers totaling {$230.00}! So I called the BOA customer service number of XXXX, only to get that now usual recording of live agents being busy with other customers. I hung up and asked my daughter, who lives with me, to try to correct the error by just returning {$150.00} back to me, though XXXX/BOA. My daughter did that, and got a BOA confirmation notice of the {$150.00} going to me. {$150.00} was taken out of her account. But MY account still just showed {$230.00} missing! So I called BOA again on the XXXX, and again on the XXXX, and again, again, again on other dates/times. I got different, ineffective, inefficient responses each time. Here 's what was said : I needed to set up my XXXX service to include my e-mail for transfers ; did that, to no avail ; so it was then, I need to speak directly to XXXX ; got transferred to XXXX, just a talking robot, no live person who could help me resolve the problem ; then it was, I need to let BOA investigate ; at some point I had sense enough to say I neeeded to file a dispute/claim ; BOA said my claim was filed, but I see no such claim ; and an agent said during BOA 's investigation, I would have my {$150.00} restored to me today, XXXX XXXX, but of course, not so ; now BOA agents say I'll have to wait until maybe Friday, XX/XX/XXXX, for their investigation to end and for me to thus, get back my {$150.00}! This is outlandish, since when customers have disputes outside of BOA, customers get fast results - missing monies are quickly credited while BOA investigates. But when BOA or its XXXX entity is at fault, customers wait, wait, wait, to no avail. And customers can't even see any evidence of claims filed! Sounds like BOA just likes to cover up its mess-ups, at its customers ' expenses!
Consumer Financial Svc in XXXX Florida is reporting wrong information in my XXXX  report my car loan was discharged in a chapter XXXX and they are reporting late and balance of {$5000.00} I tried to contact them but I get no answer
On XX/XX/XXXX, I made 2 ACH withdraw from XXXX. one for $XXXX, one for $XXXX.On XX/XX/XXXX, I made another ACH withdraw from XXXX.On XX/XX/XXXX, I found out from my bank, XXXX, that they have suspended my account by mistake, they reopened my checking account but they sent those ACH deposits back to XXXX already.Since then, I have been contacting XXXX multiple times via email, phone call to see if I can find out where those total of $XXXX returned fund is. I got some standard response about they will let me know when they have more information.I confirmed from XXXX XXXX multiple times that the money is already sent back to XXXX XXXX  account the same day. And it will be up to XXXX to credit those fund bank to my XXXX  account.So far, 3 weeks past, I still didn't have any information about where that $XXXX fund is and what XXXX will do to fix the issue.XXXX Case ID: XXXX
There is a student loan with XXXX that is showing a balance of {$67000.00} in collections on my Experian credit report. This loan belongs to my daughter and her account is in good standing. There is no longer a balance on this account or in negative standings. I have disputed this account numerous times and Experian refuses to make any changes on the account. XXXX and XXXX has deleted the account from my report, but it seems that no matter how much I dispute the account Experian does not want to cooperate with my requests and re-investigate the item to have the erroneous and inaccurate information removed.. So I am filing this complaint hoping that I do not have to seek legal counsel.
I have an auto loan through PNC Bank. I started this auto loan XX/XX/XXXX. I have always made my payments on time every month. XX/XX/XXXX, I had to file for Chapter XXXX bankruptcy. I signed a reaffirmation agreement with PNC Bank for my auto loan, which stated that the loan would continue to report to all three major credit bureaus. On XX/XX/XXXX, my bankruptcy was discharged. Throughout all of this, I have continued to make on-time payments to PNC Bank for my auto loan. Despite signing the reaffirmation agreement and always making on-time payments, PNC Bank refuses to report any of my payments to the XXXX credit bureaus. However, when I first tried to resolve this issue with them, I have letters from PNC Bank stating that they were reporting my payments to the XXXX credit bureaus. This was a lie, though. I have gone through all levels of customer service at PNC Bank for the past two years, and they refuse to report the on-time payments, even though they lied to me and said that they would.