WillisBack/dataset-financial-user-claim huggingface dataset:
Aargon debt collection sent me a debt collection letter with a fake debt with partially true information regarding me. When I called I asked for info on the debt and was given a fake address of the company where the debt originated ; XXXX, XXXX., XXXX, CA. I told XXXX, female, I have never had a storage unit in my life, this stumped her, she placed me on hold. She then suggested I dispute it but I asked for a detailed invoice of the debt, she again placed me on hold and then said OK I 've mailed you the invoice, which I 'm sure will never arrive because it does n't exist. There are many similar incidents like this involving this debt collector.
My repayment amount was increased without my awareness by 32 %. This was not within my means. I contacted creditor and they said they " would fix it by next month '', and they did nothing. The next month I withheld payment. They reported XXXX delinquencies ( XXXX for every loan, but it is XXXX debt, XXXX creditor ). It crashed my credit rating by XXXX points. I am trying to buy a house with a State administered down payment assistance program, and this will disqualify me ( will lose {$18000.00} ). 

They say I am in graduated repayment program, that they got my consent for years ago. If this is the case they need to give borrowers notice ( with acknowledgement ) so they can prepare. Their website is quite capable of this, and they are also capable of this with borrowers that pay by mail. When contacted for assistance they force you to consent to terms ( I 'm not sure of the it is a lot of rapid verbal fine print from a script ) before preceding, effectively forcing borrowers to surrender rights. It is the actions of a predatory lender. 

Student borrowers are often signing their first contracts in their lives. Many are not legally entitled to give consent and require a cosigner. It is sad to think their own government and those affiliated ( Universities, chancellors, textbook publishers, etc. ) are all seeking to exploit them. Borrower 's are already paying nearly 7 % more than prime rate, and these funds are coming directly from the government. There is no other entities the government lends to at such high rates.These children are being hoodwinked into paying off debts of previous generations with what should be their retirement funds, while cronies get rich. 

The government should not be engaged in predatory lending, and calling it " financial aid ''. Borrowers that are acting in good faith and repaying what they can, should not financially destroyed. 

I want the multiple delinquency reports ( my only derogatory notices ) removed from my credit report. I want FedLoan servicing to give 90 days notice, with borrower acknowledgement, before increasing a borrower 's agreed upon payments.
I was contact by Cedar Financial about a debt. Apparently I incurred a driving violation during a trip to XXXX in 2016. The XXXX XXXX tried to contact me via mail but were sending communication to the wrong address so I never received it. Eventually, the debt went into collection with Cedar Financial. 

They have provided documents to me displaying the debt but the amount shown is considerably different than the debt displayed. Cedar Financial has told me it is a " procedural fee '' but have not shown written verification of the total amount they are asking to be paid. I'm willing to pay the debt that is displayed, but unwilling to send them nearly double that amount without any evidence I actually owe that amount.
On or about XXXX XXXX 2016, I started the application process for a secured credit card In the amount of {$250.00} with USAA bank. On XXXX XXXX I completed the application and linked my checking account and routing number to fund the CD, with is used to secure the card. On XXXX XXXX I noticed on the USAA mobile app that the funds were pending to be withdrawn from my checking account twice instead of once. I elected to leave the funds in my checking account for withdrawal after receiving assurance that the duplicate charge would be reversed and the funds returned to me in a couple of business days in a worse case scenario. After approximately 7 business days, I started inquiring into the status of my refund. I was initially told that it takes as many as 14 business days to close out the CD and issue a refund check. This time frame obviously differed from the initially time of 2 business days ( max ) I was quoted before. I started calling after this on average 3 times per week until XXXX XXXX. My responses to these numerous calls ranged from, the check was mailed on XXXX XXXX to the check was mailed on XXXX XXXX. I did n't get the same response XXXX consecutive calls. On XX/XX/XXXX I was notified that not only was a check not mailed, but one was never generated. During this entire process I was either lied to by USAA 's CSR 's, the CSR 's did n't not have access to relevant account holder information, or USAA intentionally withheld the whereabouts of my funds. This whole ordeal has caused things to be paid late, affecting my credit score. I had to alter my life to work around the fact that I was short of money when I should n't have been. As it stands now, I bring home about {$220.00} a week, so this was devastating. I would like at least the offer of some kind of compensation for my trouble what was caused by them.
9 months ago I received a credit card to start building credit and 3 months ago I checked my credit and I had 'No score available '. I went into my bank only to find out that none of the credit accumulated from that credit card had been reported. I have waited for 2-4 months and have not heard back from anyone and still have no score.
XXXX client, XXXX XXXX is a victim of identity theft. While reviewing his credit reports he found a fraudulent related inquiry from Open Road Lending made into his XXXX, XXXX and XXXX credit reports, created XX/XX/2018. This was done without his consent. A formal dispute was mailed certified mail with return receipt to Open Road Lending XX/XX/2018 however as of this date Open Road Lending has not replied to the status of the investigation of removal of data from my clients credit reports which is a violation of FCRA.
I have a loan with a small remaining balance with One Main Financial XXXX XXXX, XXXX XXXX. There is a 10 day grace period before there is a late fee attached to the bill. I have told this branch a couple of years ago to stop calling me during the grace period. For the past two months I have had a short fall and I have paid after the 10 day grace period. They call my job and leave messages on my voicemail and do not state who the company is but they just leave their name and ask me to call them back. I do not have a direct number to my office phone so they are calling the receptionist everyday and asking for me. This is the only company that I know that does this. Anyone else will send a later after the grace period.
I have an account with Bank of America in which I've discovered daily discrepancies with the purchases from XXXX starting back on XX/XX/XXXX possibly earlier. When I discovered the bogus transactions I contacted Bank of America in XX/XX/XXXX to put a claim in ... they in turn sent me documents with transactions that conflicted with the actual statements as far as the amounts and dates, and the dates in the documents aren't consecutive which makes viewing this data quite confusing! They wanted me to sign this document which I could be accused of committing a crime. And since the information is incorrect they wouldn't have to investigate the charges but instead hold me responsible for them! Financially and Criminally! 
On Saturday XX/XX/XXXX I contacted Bank of America to let them know of the inconsistencies in this claim ... On XX/XX/XXXX I was sent an email by Bank of America to this claim with the same inconsistent documents. 
I don't appreciate being put in a situation to engage in criminal activity by Bank of America. 
Also when I look at the transactions from XXXX in my online statement these dates have been conveniently removed ( XX/XX/XXXX to XX/XX/XXXX )
I have a Barclaycard Arrival credit card. The account was closed by the bank and the department responsible for closing my account refuses to take my phone call to explain to me why the account was closed. They are keeping over {$800.00} worth of points I have earned.
CashNetUSA is charging late fees and noting my account as delinquent, but they are not debiting my checking account on the dates agreed upon. Since CashNet has not abided by the contract by not debiting my account as agreed, and as a result are adding interest to my loan and causing and declaring my loan is in default, I am requesting the account closed with a final payment of {$210.00}. They can not say I am in default 73 days when they do not perform the automatic debit as contracted. I took out the loan for travel to XXXX funerals in XXXX 2015 and relied on the terms of the contract to withdraw the agreed upon amount. What they are attempting to do now is steal money and tarnish my credit rating in the form of fees and a default notice. There is a deposit of over {$3000.00} on the XXXX and last day of each month, so CashNet has no grounds for late fees or default notices.
While checking my credit on XXXX XXXX  I saw a collection account for the amount of {$1500.00} posted by Receivable Solutions , Inc. on behalf of XXXX XXXX XXXX ( XXXX ) with an open date listed as XX/XX/XXXX. I have not been seen by XXXX this year. I have never received the details of what this debt is for. I disputed it on XX/XX/XXXX with XXXX XXXX, and I was sent a bill. I did not nor have I ever received an invoice or explanation of the debt just a bill showing this vague amount they claim I owe. The last time I was treated at XXXX was in XXXX and again in ( I think ) XXXX.
I have asked Lake Area Collections to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
To whom it may concern : I became aware of my credit score dropping ~100 points in early XX/XX/XXXX. I requested a copy of my credit report and found that I had a mark for 60 days past due on a joint Citizen 's account that I had closed several months prior ( I believe in XX/XX/XXXX ).

I am frustrated and feel I am not at fault for this delinquency, due to the following facts : 1 ) The account was closed several months ago, and at that time showed a {$0.00} balance both on the checking account and the overdraft line of credit. Why would Citizen 's allow an account to be closed if it has an outstanding balance? Why would they not let me know at the time of closure if there was an outstanding balance? 

2 ) Even though I closed my checking and overdraft accounts, they still showed up in my Citizen 's Bank Online account page. They continued to show a {$0.00} balance, so I had no way of knowing that I owed anything. Even after calling several times to close the account, it still appears on my online account. I have attempted to close this account at least twice and the associate on the phone confirmed it was closed. However, it still chows on my online page with a XXXX balance. 

I proceeded to contact Citizen 's Bank customer service on XXXX via the XXXX number and immediately arranged payment for the outstanding amount of {$40.00}, which I was not aware was outstanding. I then called back asking how I could remove the mark from my credit score. After being transferred to no less than 5 departments after about 40 minutes, I asked to speak with a manager in the collections department and was connected with a woman named XXXX. She said I could submit my request to her via email which I did on XXXX. I never heard anything back, and called to request followup information on another day in mid-XXXX. The woman I spoke with took notes on my account and noted that prior conversations had been documented and that I should receive something in the mail to confirm receipt of my complaint. I never received a letter in the mail, so I emailed the collections dept at Citizens to confirm they received my initial email. I have received no response from any of these efforts. 

Finally, I would like to note that I am moving to North Carolina in the coming months and plan to purchase a home, which will require a mortgage. The timing on this could not have been worse, as it has negatively affected my credit score by 100 points. This obviously means a worse interest rate, costing me thousands of dollars -- over a missed payment for {$40.00} which I was never made aware of. 
Please remove the mark from my credit score as I do not believe I was properly made aware of the outstanding balance, and paid it off as soon as I was made aware ( through my own investigation after a significant mark on my credit report ). I have made over a decade of on-time payments to citizens bank and all other financial institutions with which I have done business. I have worked very hard to get my credit score above 800.
Loan Number :  XXXX  Loan Servicer : Ocwen Loan Servicing LLC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL.  XXXX  Loan Owner :  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  rate has been considered a Predatory rate currently at 8.37500 %, the rate has increased base on the  XXXX  market ( "  LIBOR '' ) as published in the Wall Street Journal not the Federal rate. These type of loans were under the scrutiny of the Government and were sup posed to be eliminat ed. The Servicing Company wants you to refinance the loan when they should have modified it based on the new laws. Was assigned a Relationship Manager by Ocwen but, after 9 attempts  have not had any communication with her (  XXXX   XXXX   XXXX   ).
During my deferment when I boulder pay my loans they continued to charge interest and raised my loan during that time. When finally making a large payment of {$2500.00} and asked to go toward smaller loan. They used all of it toward interests.
There is a collection account appearing on my credit reports from Convergent Outsourcing. It shows that this is for a XXXX account but I have not used XXXX for any services in over 5 years. Convergent Outsourcing keeps updating the date on my credit report so they can try to show this debt is more recent than it is and avoid my state 's statute of limitation laws in accordance with debt collecting. This is not accurate credit reporting and despite my attempts to dispute this with the credit bureaus, this has not been resolved.
I got a letter in the mail today then 5 minutes later called the sender XXXX. XXXX. The letter was signed by XXXX XXXX, XXXX XXXX. I spoke with XXXX XXXX. She said I wrote a bad check to Wells Fargo sometime in 2008 in the amount of {$1000.00} and I now owe XXXX. XXXX {$2700.00} because they were retained by Wells Fargo. She also stated that I performed malicious intent to fraud a banking institution. I use to have a bank account with Wells Fargo, but they never paid a bad check and that account was closed in 2008. I got a similar call about 4 years ago and contacted Wells Fargo, who stated that they have no record of me owing any debt to them. I have never received any correspondence or calls from Wells Fargo regarding me owing them any money, which is what I told XXXX XXXX. I see that this company has in the past used a different number and other complaints with almost the same scenario as mine. I have no record on my credit report showing an outstanding debt with Wells Fargo. The letter and XXXX XXXX stated that further legal action will be taken if I did n't not settle this debt. I told them I would seek legal representation if I needed. Why should I have to pay money for an attorney on something I know I do n't owe.
I have requested from my current mortgage company, Dovenmuele, to remove my PMI due to upgrades we have made to our home. There has been much back and forth an appraisal has been completed and they will not remove it.
In  XXXX   XXXX , we filed a complaint with the  XXXX   XXXX   XXXX  against  XXXX   XXXX . The  XXXX  took the case and got involved  ( CFPB Case No .  XXXX  ). On  XXXX   XXXX ,  XXXX , we received a letter from  XXXX , who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting for ove r two years that our payment was late and were charging us late fees. We thank the CPA fo r their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on  XXXX   XXXX ,  XXXX  and the loan with  XXXX  was subsequently paid off. I have copies of all documents relating to this loan payoff. In  XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  letter they state that they are going to contact   XXXX   and Experian to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX    XXXX   credit report still shows an open loan to  XXXX  in the amount of $  XXXX . We recently applied for a loan with  XXXX   XXXX   XXXX    XXXX   and were rejected because of the  XXXX  mark on the credit report. I have tried to reach out to  XXXX  to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX    XXXX   credit and hindering us from getting a loan. Thank you.
TransUnion is refusing to block fraudulent information on my credit report. I spoke with a representative by the name of XXXX in the Special Handling Department on XXXX/XXXX/2015 and was told that TransUnion had not received my police report and that was why XXXX fraudulent account continued to report in error on my credit report. She indicated that the other fraudulent accounts were blocked because XXXX had received my police report and shared the information to block the items. She indicated that I could send her a copy of the report via fax and she would promptly block it in accordance with Section 605B of the Fair Credit Reporting Act. She also indicated that it was already being investigated, but she would block it with police report. 

I called in today to learn that it would not be blocked and that it is being investigated and that she did receive the police report detailing the fraudulent account, but since it is already being investigated it is nothing she can do. I also sent in a copy of my drivers license with my new address on it and I am being told that she did not receive it with the police report. I have verification that all pages of the fax went through successfully.
I have repeatedly asked this company to verify a debt they say I owe. I have even offered them a settlement amount to take it off of my credit reports because this alleged debt is harming my credit. I have also checked on the FTC website and they are actually on the banned from collecting list. All they did was send old XXXX bills, but never verified any business I have with them. I do n't have no contract with Pinnacle. I asked them to show me something bearing my signature proving I owe Pinnacle anything. I have not received anything in writing from them at all! They ignored all my letters because I do n't want to do anything over the phone. I like to have a paper trail for everything I do.They sent your company a letter some months ago under a company known as XXXX back in XXXX. But I never received anything myself. I have sent them multiple letters and they fail to respond! When I went to file a complaint with FTC they said to try with CFPB first. I will take legal action if this is n't removed my credit reports. The link to the court judgement is below. I am trying to repair my credit and they are damaging it. Thank you for your time in this matter. I would love to get this resolved without taking legal action but they have left me no choice. 
https : //www.ftc.govXXXX
XXXX   is reporting a collection from  XXXX  #  XXXX , shows the original creditor as  XXXX   XXXX   .  I have not has  XXXX   XXXX  in over  10  yrs
Error mesage when trying ti link to XXXX says CapitalOne is blocking me from enaebling external applications
1. Scheduled a payment forXX/XX/XXXX for full balance due of {$320.00} to XXXX/Comenity Capital Bank. Payment made through XXXX XXXX online billpayer account. 2. Received notice from XXXXComenity Bank of credit balance $ XXXX. Had not used XXXX credit card since XXXX. 3.XX/XX/XXXX - Recd notice from XXXX of ebill from XXXX/Comenity as follows : {$320.00} past due ; XXXX purchase ; XXXX finance chg ; XXXX late chg ; total bill : {$460.00}. 4. XXXX - Realized payment to XXXX had been posted to XXXX account ( both Comenity ). Notified XXXX of the error. Called Comenity, was told they would correct the postings. 5. XXXX - Returned purchase of {$110.00} to XXXX leaving a true balance of {$6.00} ( return shipping chg ). Received notice of return on XXXX completed and scheduled payment of {$6.00}. 6. XX/XX/XXXX- Checked posted activity on XXXX/Comenity. Acct. showed payment of {$320.00} and " misposted payment '' of {$320.00}. New credit balance for XXXX : $ XXXX. 7. XXXX - Checked posted activity on XXXX/Comenity. Acct. showed " misposted payment '' {$320.00} ; late payment credit - {$25.00} ; finance chg. $ XXXX. Instead of debiting the XXXX acct. and crediting the XXXX acct., they did the reverse ; and they credited {$.00} instead of {$7.00} for the finance charge. 8. Between XX/XX/XXXX andXX/XX/XXXX, I called XXXX/Comenity Customer Care at least five times. Each time the rep assured me it was a simple mistake and would be corrected. 9. XXXX - Called XXXX/Comenity Customer Care and tried again. The rep ( XXXX I.D . # XXXX ) told me the error was a simple misposting, promised to take care of it, and said to allow about a week to show up on my account. He also told me it was such an easy fix, that I should file a personal complaint against him if he did n't correct the error as promised. 10. As of XX/XX/XXXX, there has been no change posted to the account.
I applied for and received a Bank of America  Travel Rewards c redit card. They claim that during the online application process I transferred a balance from another credit card at  XXXX . I DID NOT. Now I have a {$12000.00} balance at Bank of Americ a ( they  agreed to waive the transfer fee ) and a credit balance at  XXXX  of {$11000.0 0} ( they t ook out the {$1000.00} balance I had at the time ).  <P/> I can not get Bank of America to transfer the money back to  XXXX  and   XXXX   accounts are frozen due to a " fraud incident '' so I owe the balance because neither bank will work with me and in the meantime, I will be charged interest on {$12000.00} that I DID NOT transfer and do not have the cash to pay it off.  <P/> I am going to pay my balance with Bank of America but not the supposed " balance transfer ''.  <P/> Please tell me what I can do at this point to prevent the interest or put a lock on these accounts so that no further interest is charged until this has been resolved.  <P/> Thank you!!