WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 I wanted to switch my loans out of XXXX. I contact Equitable Acceptance. They informed me, wrongly, that they would be my acting servicer and I would pay my loans directly through them ; I was also told this would only be a contract for 24 months. My total amount was {$1400.00}. 
I quickly learned, after signing, that they were not my carrier and they actually got XXXX XXXX as my servicer. I am now responsible for paying Equitable Acceptance about $ 45/monthly and have a hefty 17.99 % annual interest rate to go along with it. The contract was not as stated, as it was 48 total months not 24, and as mentioned before, they were not the carrier as stated to me over the phone. 
I am basically paying them for a free service. Furthermore, I believe they broke their contract last month, XX/XX/XXXX, because the one thing I pay them to do ( submit my IDR contract in on time ) was late. They did not hold up their end of the bargain, as I had to then put my loans on forebearance because my payments significantly increased due to Equitable Acceptance not getting my forms in on time. It also disrupted my 120 consecutive payments necessary for loan forgiveness. 
Please help me get out of this contract with these individuals who deceived me and have not held up their end of the contract. 
Thank you.
I was charged XXXX 90 days lates in XXXX and XXXX of 2013. I was enrolled at XXXX University in Oregon but i was not using financial aid so i did not do a FAFSA. Years later when i finally checked my credit, I found the late charges and I disputed them. Navient told me that they needed proof of enrollment so i sent them my class list and fee schedule for that semester. They informed me that was n't good enough and requested additional info. I feel like they are just making it hard for me to remove those late payments so they can keep their rates higher. This is double jeopardy. I would like for them to remove both late payments from all XXXX credit reporting agencies. 

thank you
There is a collection account showing on my XXXX report with Amsher Collections services for {$120.00}. The date last reported is showing XXXX/XXXX/2015 but I have called Amsher and they do not have this particular account for XXXX XXXX. Also, my children have had medical insurance all their lives so this bill should not be on my report at all. I have never had any problems with there insurance before now and dont understand this bill at all especially since it os reporting that Amsher has debt thru XXXX but they say it is not in there office. I have disputed with XXXX because again when I called Amsher it wasnt in there system and the account has been removed and not sure why its still there
In late XXXX, I travelled to XXXX to attend a conference and speak to college students about XXXX. In so doing, I left my debit card at the hotel for their file. Upon leaving -- a week later -- the hotel charged the wrong card ( mine ), as opposed to the university card. The charges appeared on the XXXX and were put in process to be reversed the same day. I requested a receipt on the XXXX, which will be attached. The hotel charge was fully refunded by the XXXX. I contacted Bank of America to make sure I would not receive overdraft fees on the XXXX. They were to make a note of it. Instead, I received XXXX overdraft fees on the XXXX -- stemming from the original charge and subsequent fees -- totally {$100.00}. I just got off the phone with them and, after going through other personal account business, they told me they could not deal with the overdrafts because they could no longer confirm my identity. I then repeated my name, as appearing on the website, and the teller in deposits XXXX, apologized and placed me on hold. He said there was no record of the overdrafts, and I expressed concern that he could see hte record I was seeing via my statement ( attached ). He then said I my name was incorrect and I could not be helped via phone. Apparently it does n't match the name on their file -- however, this was not the case a week ago, and my information on the online banking matches exactly what my name is, and how I said it, and how it appears on my card. It seems that they were able to handle all questions and business about my account except my fee reversal request. They are now telling me to go into a floor office to confirm my identity in their files and handle the overdraft. However, these offices do not handle overdraft fees.
I bought a XXXX Toyota Prius XX/XX/XXXX. I have tried over 50 times to cancel GAP insurance coverage. It is still not refunded/canceled? 
I bought a XXXX Toyota Prius XX/XX/XXXX. I have tried over 50 times to cancel GAP insurance coverage. It is still not refunded/canceled? *This complaint is in now way directed at the dealership XXXX toyota of XXXX. They told me not to complain sternly. I just need GAP insurance canceled. I do n't think at this point they are sincerely trying to help. Toyota does not want to refund the GAP insurance, Tire Warranty and Life XXXX extras. I put in written, verbal, phone, XXXX, attorney general complaints, customer satisfaction case numbers, and most recently the XXXX, Amercians with XXXX act is informed of the discrimination I am receiving on the phone. You all know I have XXXX and are trolling me, stalling the refunds in a attempt to get me to go away. This is discrimination and if continued appropriate civil suites will be filed, as a third party is now documenting this abuse. on all fronts Toyota is " trolling '' me. Furthermore the XXXX complaints do n't always go through. I have also as of today not received my new car purchase survey. It should be mailed to the address on this complaint. All future correspondences should be mailed to this address, by physical mail. This is my request. I should have no extras on the account. GAP, Tire Warranty, and Life XXXX have all been requested dozen of times to be cancelled in writing. I confirmed received. Just refund the extras I didnt want already, as promised over 50 times. They keep claiming phone problems with their telephony. Please look into this and why I have not received my new car customer satisfaction survey. I have a feeling they are withholding the survey to fix their scores. I never wanted the extras, and have tried to cancel of them. Now they are just trolling me, making a joke of how long they can stall. Sincerely. refund all the money, and give me a summary of the dates and amounts. Thank you. I used to work for Toyota, their crimes are egregious to say the least, I sent the DOJ a whole dirty laundry list in XX/XX/XXXX. Please look into this, major stuff going on that needs oversight. Thank you.
Markoff Law LLC added my sister 's {$12000.00} debt to my credit report which resulted in a plummeting credit score. After calling to inquire and to ask for something in writing to confirm it was n't my debt, XXXX, the representative, responded that it was for sure my debt and they have been garnishing my pay check since last year. I had to remind her several times what my name was and what my sister 's name is. She took my information and promised to contact me after doing a further investigation, but that contact was never made.
I have been attempting to contact Money Lion for 10 days. I have been sick in the hospital and did not receive a paycheck today. They did not respond to me until the day before payment was taken, and they told me I needed to notify them 3 days in advance ... which i did but they didnt respond until 1 day. Then I asked about why my investment account is negative {$80.00}, when there should be at the very least {$100.00}. The one person advised me I took a payout, i advised him I did not take a pay out and I need them to look into it. They did not get back to me, so I did a chat with another representative who then kept copying and pasting things about the stock market without ever even looking at my account. So now I am negative {$200.00} because this company couldnt be bothered to respond to me 10 days leading up to my payment, then they refuse to give me a solid answer as to where my money in my investment account went.
Alliance One is the collection agency used by the City of XXXX XXXX to collect past due accounts. They billed us for a previous-year tax issue which was resolved. XXXX agrees, and has sent us emails confirming the closure of the issue. Yet, Alliance One continues to robocall us twice a week. Each time I call them, I ask them to contact their client, and they refuse to do so. I also tell them to stop calling here, and that demand has been roundly ignored. XXXX XXXX also refuses to contact Alliance One, insisting that I request a statement or invoice to forward back to the city as proof that the account is still being pursued ( which they wo n't do ). Neither entity seems particularly motivated to end this. Can you help?
MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President XXXX The basis for my dispute was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, Presidentfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative  derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President failed to send me my initial communication before placing this alleged derogatorystatus on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XX/XX/XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX )
I have had the Citi Sears card since 1995. I have been a responsible cardmember paying my balance off and on time. As it is a Sears branded card, I believed I was earning Shop Your Way Rewards Points. When I log onto my Citi account the Shop Your Way logo is everywhere. When I went into my Sears  Shop Your Way account ( separate website ), I was shocked to see I had {$0.00} in rewards. I called Citi and found out I was in the Thank You rewards program. I have never heard of this program. I asked what were my rewards and they said {$0.00}. There is NO mention of the Thank you rewards program on my account when I log in or on any of my statements. I use my card so I would expect I would have a decent amount of points. Citi only offered to link my card to my Sears Shop Your Way account and I would earn points prospectively. They would not give me any rewards points even for the current statement. So for the years of spending on a Sears branded card where I believed I was earning Shop Your Way points, I have NOTHING! Not one reward point. I feel I was taken advantage of and misled. I should have a decent amount of points. This is extremely disappointing.
There is a collection item from Doctor 's Business Bureau - XXXX for {$220.00} from XXXX/XXXX/14 on my Equifax report but I do not recognize this collection item or have an record of this collection.
I just reviewed my Credit Report and as of XX/XX/2018 XXXX XXXX/XXXX XXXX reported that I have a Debt in the amount of {$280.00}. I contacted the company and asked them to verify the social security number and also the date of birth because I was out of state in college when this charge occurred. The Customer service rep at XXXX stated that this was not my debt because they had a different social security number and also a different date of birth. I will like this to be removed off of my credit report immediately. I am a young college student that is trying to continue having good credit.
I did n't really know which option to select. The company, key2recovery, began calling me several times a day earlier this week. I received no written notice of a debt and, when I called to see what this was in regards to, found that they were attempting to collect on a time locked debt that is several years past the statute of limitations. 

Much more troubling, when they " verified '' my information, they read out the last four of my SSN and my date of birth and asked me to say yes or no as to whether the information was correct rather than asking me to provide this information. I am VERY uncomfortable that this organization is providing my personal information over the phone after I provided my name only ( which is n't even my legal name any longer ). They left the name on my voicemail, meaning that, if I had changed my phone number in the past 10 years, any random person who had been left this message could have called back, provided the name from the message, and been provided my SSN and DOB.
Three times over the past several months I have made payment on my Synchronicity Bank/Sam 's Club Mastercard account, and the issuing bank has delayed posting available credit on the account for 7 days despite clearly stated policy on their website that credit for payments will be granted within 48 hours. The website states that it may take up to 48 hours for payments to post to an account, and offers no information about why credit may be withheld for a longer period of time. The cardholder agreement states ( in the section titled " When Payments are Due '' ), " We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it. '' In my opinion this is a vague statement, and it is in a section of the Account Agreement that it does not even relate to ( When Payments are Due ). 

In each instance I called customer service to inquire about the delay. In each instance I was given a different reason for the bank 's decision to withhold available credit, including 1 ) making two payments during a billing cycle in the same amount indicates possible fraud ( I did this while on business travel because the account was nearing it 's limit ) ; 2 ) making two payments in any amount during the same billing period indicates possible fraud ( I did this near the end of a billing cycle because the balance was nearing its limit and I wanted to continue using the card ) ; 3 ) making a single large payment indicates possible fraud ( I simply paid off the balance of the account a couple days into a new billing cycle ). 

For as long as I have had this account, I have never been late on a payment, I have never had a payment returned due to insufficient funds, and I have always paid off the entire balance before the end of the billing cycle. I have been harmed by this policy due to the fact that I have certain bills ( medical insurance premiums, in particular ), that I had planned to pay using the available credit on this account, however the credit was not made available within 48 hours as stated by the website when payment was made, and I had no other funds available to pay these bills in a timely manner.
Ocwen had sent incorrect information to all the credit reporting agencies XX/XX/XXXX concerning my mortgage. They finally corrected the information. Ocwen stated in a response to complaint # XXXX filed with the CFPB that the XXXX major credit reporting agencies were notified, which included XXXX. By the time Ocwen got the information corrected, XXXX had deleted the entire account. Per a response from XXXX to complaint # XXXX, Ocwen has not verified the corrected info, therefore they will not show Ocwen as a creditor. The XX/XX/XXXX credit report I received from XXXX does not reflect my mortgage information. 
I have tried to get the corrected information on my mortgage added by XXXX. They stated that this information need verification from creditor. Ocwen states they have sent correct information, I have to contact the credit reporting agency. Nothing is been done by Ocwen XXXX, I, the consumer suffer.
In XXXX of this year, I made a trip to XXXX. During this trip, several fraudulent charges were made in rapid succession at one establishment. I noticed these charges, notified Chase bank credit department immediately ( from XXXX ) and they immediately reversed the charges ( on a temporary " credit '' basis ) while investigating the charges. Over a month later, I received a letter in the mail from Chase stating the charges were found to be valid, and the credit was reversed. I called twice more to re-review the claims and they 2 more times found the claims to be valid, without giving any reason or transparency as to why they found these charges to be valid. Finally, I called my personal banker at Chase to see what he could do, however, he has not responded to multiple attempts to contact him. The charges are over {$6000.00} and from XX/XX/2018. This is completely unacceptable, and I am getting nowhere contacting the same departments over and over again, very disappointing. Thank you.
I had a private loan and then graduated XXXX. After I graduated I knew I had to start paying on the loan within six months. However, when they called I explained my situation ( no job, no income ) and they said it 'd be fine. I called now that I can catch up and they 've turned it over from AES to XXXX. 
I called and the only option I had was pay in full or arrange a settlement. I ca n't pay that much and fee very misled on my options. I feel trapped by this loan now and do n't know how to get out.
I have disputed the late payments on XXXX XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX accounts for months. The three credit bureaus wont reverse the late payment. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has lowered my credit score tremendously.
Recovery one had a debt that showed on my credit report which I found to be fraud. In first attempts to contact them to even find out where the debt was from they did n't mini miranda me, refused to answer questions or let me speak with a supervisor and then hung up on me. I called back and spoke with a supervisor she lied and said she heard the convo and that he did mini me, which he did after I mentioned it to him 5 minutes into the convo. I advised her he was rude and unprofessional I advised i wanted ti speak with someone higher than her and she said she would maybe try anf have someone call back next week and that didnt set right with me so I hung up. I was in communication with the company the debt originated from after that and they put in an order with recovery one to remove the debt from my report due to fraud as I am attempting to buy a home, and this is the only hold up. It had been two weeks and I contacted recovery one again to see what the issue was, the guy first states that its not in his office he ca n't help and that it will take up to 120 days to be removed I advised I didnt have that kind of time. I asked if i could deal with someone in this office because the other office was rude and unprofessional and he rudely asked what they supposedly did I tried to explain and he said there was nothing he could do and dont know what to tell me. I advised him i want to speak with a supervisor in his office he kept dodging the question and told me he will get me the number to the othet office. Then i advised i read reviews online and the company had nothing but bad reviews he got even ruder and said yeah the thing about debts is noone wants to pay them i advised this is fraud though and i really need it resolved and i understand becausr i actually do student loan collections and he said thats way different i said yes i know because we actually get ourr money. Then i asked him four times for the number he said you know what if youre so professional and know so much about debt handle it yourself and hung up. I tried to call back and couldnt get anyone on the phone.
I spoke with a representative concerning a 30 day late payment that is showing on my  XXXX  and Equifax credit report dated XX/XX/XXXX , I explained to the representative that I was never late and to please fix this with the bureaus. The representative advised me that they could n't go back that far and validate if there was even a late payment that the only thing that he could see was notes that the account was past due at that time. They refused to get this fixed with the bureaus.
Suntrust Bank and its affiliated debt collection companies have contacted me through mail and phone numerous times over the past year. At XXXX point they were calling me daily and getting letters once a month. I have sent XXXX certified letters explaining that this is not my debt and provided information showing that this is not my debt as I do n't match that person 's social security, date of birth, place of residence, place of employment, etc. They continue to contact me through various other collection agencies for the same debt. I have spoken to XXXX representative as well and given her my required information and still my issue has not been resolved.
XXXX advertises a 0 % loan on the XXXX plow website XXXX I applied they confirmed then made a " mistake '' on the contract I called back and they were going to fix it. Instead i told the dealer that I would purchase the plow outright and paid with a check. XXXX never cancelled the original contract, two month into the loan i called to pay it off they charged me a 9.9 % interest. Please let me know what my legal recourse is. 

Thank you,
Portfolio Recovery is continuously reporting a debt that do not belong to me. I have contacted Portfolio requesting them to verify the debt with my signature. Portfolio Recovery refused to provide proper validation.
Actually XXXX of the above. Our bills through them are medical. A failed XXXX XXXX at XXXX XXXX that totally XXXX my wife. Patient relations understands this and has told me, " just send what you can, when you can. I have documentation, cancelled checks and bank records showing I am making payments, more than I should but, even after advising them NO MORE CALLS, every day they call, some time several times a day. WE had to finally have a block put on our phone. They had called my work office and even advised my supervisor who they were and why they were calling. Disclosing my debt info to her! They even asked for my we whom they know to be XXXX and is not working. Especially at my place of employment. My supervisor can attest to this as they called several times after being told not too. " I make regular payments to these people and they constantly harass us for more, more, more.