WillisBack/dataset-financial-user-claim huggingface dataset:
I received the payment booklet on XX/XX/2018 from Navient the loan payment is due as of XX/XX/2018, for the amount of XXXX. I started to make the payment as of XX/XX/2018 a week, and I began to pay {$500.00} a week ahead of the due date until today. 
Navinet falsely reported to the credit bureau that I have a late fee on XXXX, amount of {$21.00}, XXXX {$21.00}, XXXX, $ XXXX XXXX XXXX. 
I contacted them on XXXX, XXXX, XX/XX/2018 and requested the explanation for why reported the late fee while I am paying more than the minimum amount, and although the booklet begins as of XX/XX/2018, I started as of XXXX and making the payment a week ahead of time. 
Now again Navient reported to the credit bureau, that I have late on the payment. I have my record which is an indication they received ahead of the due date for more than the minimum amount. I am sick of tired of calling and talking to many clueless people. 
The problem is these people are, answered the call either from XXXX or the XXXX. I am a federal government employee, and such a false reporting will impact my job.
I have an auto loan through Huntington Nat'l Bank. The loan was opened in XXXX 2014. I carry full coverage insurance ( through private company ) on my vehicle, which Huntington is listed as lien holder, but learned today that Huntington is ALSO charging me {$40.00} per month for auto insurance. I have never missed a payment, been late nor had insurance lapse at anytime. I was informed by a Huntington representative, that that is just something they do to protect their interest. I do not understand this at all!!! My private insurance protects their interest!!! Is this legal??? Also Huntington informed me that my payoff amount is more than what the balance of the loan is. How can this be???? Every month that I make my car payment, according to XXXX, my balance is increasing {$51.00}, which is lowering my credit score! At this rate, the loan WILL NEVER be paid off. Please help me to rectify this situation. Thank you.
AFNI refuses to respond to debt verification but continues to report unverified debt to the credit bureaus.
My bank notified me about suspicious activity on XX/XX/XXXX. My account received ten unauthorized charges from COINBASE. These unauthorized charges are double charges from previous purchases I have made from XX/XX/XXXX-XX/XX/XXXX. 

I have tried contacting COINBASE through email and telephone to no response. I have only received an automated " thank you '' email.
I bank on line. I make monthly payments to Bank of America based upon the amount shown on line as due and the date due. I get calls from them saying I 'm delinquent. I tell them something is wrong. I looked at a statement mailed to me from them. It shows a different amount than shown on line. I called the bank numerous times. I 'm told something is wrong as their on line is not showing the correct amounts. I was told I would receive credits for late charges. 2 people, 1 from on line banking dept and the other from home loan department both tell me how much and when my next payment is due. I made that payment before that due date. I then received in the mail a statement showing different amounts and a phone call from the bank and that person said I was delinquent.
See the following attachments regarding the short sale in XXXX for property we owned in XXXX, NY : 1. Letter XXXX from Wells Fargo - Short Sale Approval. 
2. XXXX Statement XXXX Wells Fargo - XXXX loan balances shown. 
3. XXXX Form XXXX {$140000.00} for Mortgage Loan - XXXX. 
4. XXXX Form XXXX {$79000.00} for Home Equity Line of Credit - XXXX. 
The total is {$220000.00} for both XXXX Forms XXXX See page XXXX of PMA Statement for Loan balances totaling {$500000.00} + {$91000.00} = {$590000.00}. The Short Sale Approved was {$390000.00} shown in the Wells Fargo Letter dated XXXX XXXX, XXXX. The loan balances less the sales price equals {$190000.00}, which we were anticipating the total for the XXXX Forms XXXX, not the total {$220000.00}. 
After many transfers to different departments, I spoke to several persons on XXXX XXXX, XXXX requesting proof of how the XXXX Forms XXXX were calculated. I was told that a " Work Order '' would be sent to the department which issued the Forms XXXX so we would receive the information in 10-12 business days. 
As of XXXX XXXX, XXXX no information has been received from Wells Fargo.
I applied for a wellsfargo mortgage modification program and I was denied. I have a surplus of income at this time and was denied. I do not understand why I can not find an reasonable option for me and my mortgage company wellsfargo. I will go to the media and provide them the my documents to show them my ability to pay.
I am a victim of identity fraud, I have reported this to all three reporting agencies time after time, but they still insist on putting these false reports on my record,
Unknown Company never authorized inquiry, do n't even know or am a where of Company never owned or applied for a mortgage. Called them multiple times they are unaware of who I am never in there system. XXXX XXXX Report XXXX XXXX from XX/XX/XXXX MISC, XXXX XXXX XXXX XXXX XXXX NJ XXXX Equifax Report XXXX XXXX from XX/XX/XXXX MISC reporting agencies XXXX XXXX from XX/XX/XXXX MISC reporting agencies Please delete updated reports
I filing this complaint IN regards to the situation evaluated and it were once deleted several times and place back on my Credit file at least three times .One of the issues IS THE status Judgement with XXXX XXXX XXXX XXXX XXXX car dealership, and the all the reporting Cable Companies, due to no contacts sign and FALSE information. The XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Companies. These Companies does n't have t he right to put any files without a sign contacts or the HIGH EXPENSE amount they say, I owe them. 'Thank you, XXXX XXXX XXXX
I have a debt collection on my credit report from an account thats not mine. It appears to be from a utility service through XXXX. The time frame specified for service is not applicable to a period where I had service.
I was placed in collection from a collection agency for XXXX medical bills. I had medicare at the time and my out of pocket expense was {$140.00} which I paid to XXXX. After that any bills that were incurred were paid by medicare. I have XXXX collection accounts on my credit reports that should not be there. XXXX is for XXXX and the other XXXX is for XXXX. First off how can this collection agency place me for collection twice? is n't that double dipping? As I mentioned earlier I paid the initial {$140.00}. I should have not been placed in collection for these XXXX medical bills. I contacted Medicare in regards to this issue as it is affecting my credit and was told both bills were paid. I am disputing this information on my credit reports as I want them removed as they are affecting me in obtaining credit.
On XXXX/XXXX/15 I made a settlement agreement in the amount of {$3300.00} with Selip and Stylianou LLP. I agreed to pay this debt once the settlement agreement was received in writing. I did not receive the settlement agreement until XXXX/XXXX/15 and on that same day i mailed a personal bank check in the amount of {$3300.00}. via certified USPS mail. Later on in the afternoon of XXXX/XXXX/15, I went to the ATM to withdraw money and it was then i learned that Selip and Stylianou LLP had placed a levy on my bank account and despite our settlement agreement 3 days prior. I also learned that after my account was levied they illegally withdraw {$1300.00} from my bank account knowing the settlement check in the amount of {$3300.00} was on route to them. Since this time, I have also received notice from my employer that Selip and Stylianou LLP served them with garnishment papers. Prior to the settlement agreement, my debt with selip and stylianou LLP was {$4900.00}. If you add the {$1300.00} that they withdraw from my bank account + {$3300.00}. settlement check, the total that I paid out was {$4900.00} which is {$1300.00} more than the agreed upon settlement that I have in writing. I am requesting a refund of {$1300.00}
I made a {$300000.00} electronic payment XXXX XXXX, which was confirmed by outgoing bank ( XXXX XXXX XXXX ). Bank with mortgage XXXX Citizen 's one ) lost payment, after finding it XXXX, they are not posting to correct date to account for lost interest. Every time I call they give my run around claiming it is posted correctly to the XXXX date. However there is no such documentation. Even when I check online. Most recently they reversed my $ XXXX payment and applied to XXXX making my principle increase. I have called multiple times and get told something. There is no one from finance dept that costumer service can turn to. On multiple time I was told I would receive call but did not. In summary, I a made a $ XXXX down payment to my principle balance to reduce interest, but this has not happened. 6 weeks of interest still charged and not credited.
Dear Officer, I'm writing to report problems experienced with XXXX XXXX. I found that they are giving inadequate notice for balance due, which led to unnecessary late payments ; also their rewards program is unfair to the consumers. 

In XX/XX/2017, I tried to pay off my entire balance using reward points. However it appears that some pending charges were not showing at the moment, therefore {$65.00} was left unnoticed. 

There were no alerts sent to me regarding the charges. When I found out two months later myself online, I immediately called and paid off the balance. The late fees were removed immediately, however the incident led to an impact on my credit score by 50 points.I found it appalling, because they have my cell phone number and email on file, yet they failed to send me any notice before treating it as late payment. 

Another thing that bothers me is that Barclays keep renaming and changing its program ( from XXXX XXXX to XXXX, and to XXXX XXXX ), and the reward terms are getting worse. It appears that they have increased the redemption threshold to XXXX points, which forces the customers to keep using their card, even though the card features were no longer competitive. 

Please advise, really appreciate your help
I emailed XXXX the week before repayment of my {$540.00} loan ( due XX/XX/XXXX ). I told them of my situation-loss of income- and they could not give me more time to pay because they had given me that courtesy once before in XX/XX/XXXX. Okay.

I then sent them a follow up email letting them know the payments would be returned due to my financial hardship and they merely said if and when they were returned then they would try again for the next pay period, in 2 weeks.

I sent an email revoking my previous authorization to automatically debit my account. I received an email from a XXXX saying due to the nature of my issue it had to be sent to a specialist and needed an intervention from them for further review. She checked back with me I believe 2 times over the next week in including the day of XX/XX/XXXX which they DEBITED MY ACCOUNT ANYWAY!

Since they debit how you receive the funds- 5 different debits instead of one, I got charged NSF fees.

They can NOT debit my account after I revoke authorization. I emailed them and have yet to hear back from them when usually they respond the same day and now that they've illegally taken my money, they won't respond.
Borrowed {$300.00}. And had a 100 dollar fee. Then a 55 dollar fee then the day it was due they added another fee of 55 dollars! I ended up paying 500 dollars for a 300 dollar loan! Somebody ripped me off! Thanks!
I was changed an annual fee in XX/XX/XXXX ( approx. {$490.00} ) and Barclays closed my card in XX/XX/XXXX. I requested my annual fee be prorated since I am no longer eligible to use the benefits associated with membership but was denied. I spoke with XXXX ( XXXX ) who was a manager who refused to prorate the membership fee. I was told this was described in the terms and conditions but have been unable to locate the passage. I feel this is an unethical practice by Barclays, is very misleading, and may break consumer laws.
Gentlemen, I never requested a credit card from Bank of America. When I received it, I called the bank asking them from where they got my Social security #. They could not answer. I asked them to close the account. Today I received a letter from Bank of America with my information - all correct, but my home phone is wrong. I never had this number.
I have filed disputes while accounts still open to inform company of misuse of card/product by other persons than myself.
I opened a checking account with M $ T bank and enrolled in a bonus promotion of {$250.00} when I meet the following requirement. 

Account Number : XXXX Open an M & T MyChoice Plus or Premium checking account and receive a sign up bonus of {$250.00} when you set up a qualifying direct deposit of {$500.00} or more within 90 days of account opening. Promo code : TL. 

I made a direct deposit on XX/XX/2018 and the bonus has not been posted yet. The XXXX XXXX XXXX customer care admitted that I met the requirements for the bonus. It is been almost 90 days and I have not received the bonus.
Good afternoon, I realize that there were some inquire that were on my credit report and then they were all deleted off and then all back onto my credit report without giving me the legally written notice that is required 5 days prior to them re-adding them. If Transunion had a computer glitch that 's TransUnion 's issue not mine. I did reach out to them on three ( 3 ) different occasion regarding this issue, once in writing and two times on the phone. I explained everything and asked them to delete the inquiries that they had illegally re-added. I am aware of the detriment of an inquires and the damaging affect of my credit score, I am upset that I have to even put in this complaint. Transunion is not about the consumer but about the companies that pay them to report derogatory information. My rights were violated by TransUnion.
I was notified by the police that I am a victim of identity theft, so I requested a credit report. I noticed addresses on there that I never lived at. One of which is my ex-husband 's. I see his address on the report, but I do not have proof yet if he has used my identity. The address is XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I never lived there or used this address. It belongs to XXXX XXXX. Address ID XXXX
On XX/XX/2015, I submitted payment for my XX/XX/XXXX mortgage via the only option that XXXX XXXX made available to me for sale day payment -- XXXX XXXX. I have a receipt that I paid the mortgage on XX/XX/XXXX at XXXX and that the money woudl be delivered in minutes. For whatever reason, XXXX did not process the payment for an additional day, thus they claim I was late with my payment. I have attempted repeatedly to have them correct the erro, without success. Thier default is  that its not when I pay but when they process -- however, I can not control how fast they process -- only when I deliver the funds.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MA XXXX ( XXXX ) XXXX {$240.00} XX/XX/2017 ( 1 yr ) This company has been calling and leaving remarks on my credit report. I have never signed anything or initiated business with this company.
The credit bureau is reporting that I owe {$410.00} for an account under the name "   XXXX   XXXX   XXXX   XXXX   XXXX   ''. My report shows that it was opened in  XX/XX/XXXX  with an account number of "   XXXX   ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous times ( since  XX/XX/XXXX  ) only to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.
On XXXX XXXX 2017, I was denied an auto loan based on some company called SageStream LLC.?? Never heard of them before, and ca n't contact them, only by mail. I know on XXXX XXXX 2017, my scores were XXXX XXXX, XXXX XXXX and XXXX was XXXX. This company sagestream has my score at XXXX??? are you kidding me, after all the fuss of making sure my credit is the best it can be, here comes some interloper who I never heard of, who wo n't take a call and no response when written to. Please help in this matter. Now I have XXXX inquires and 5 denials! Can I sue for fraudulent reporting. Thank you XXXX XXXX
XXXX XXXX is listed under Hard Inquiries they pulled my credit 4 times started in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I did not authorize all these inquiries. 
Please remove from my report. 
Thank you.
DIVERSIFIED CONSULTNTS #XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) XXXX Placed for collection: XX/XX/XXXX Responsibility: Individual Account
Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Cable/Cellular) Past Due: >$XXXX< Pay Status: >In Collection< Remarks: >PLACED FOR COLLECTION<

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX and XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX.
I received a phone call at XXXX XXXX ET on XXXX XXXX, 2016 from the office of " Attorney XXXX '' of Asset Recovery A ssociates, Inc. ( ARA, Inc., phone XXXX ). The call alleged that I was named in a judgment hearing by XXXX XXXX, for a debt that was almost XXXX years old. The person on the phone asked if I was aware of this litigation, which I was not. She then proceeded to say the debt was attached to my SSN ( which she did not give ) and recited my date of birth. She kept repeating the name " Attorney XXXX XXXX '' in response to any inquiry I had, as if that was supposed to scare me into paying on the spot. I told her to send any information regarding this matter to me, in writing, and hung up. 

While I do not dispute this almost XXXX-year-old debt, I am complaining about the fraudulent, intimidation practices used to try and collect this debt. If I were truly being sued, I would have received formal, writren notification by now. 

I have also filed a complaint with the XXXX of XXXX Illinois ( XXXX complaint # XXXX ), as an internet search showed that this company had multiple complaints ( XXXX and otherwise ) against it. Thank you. 

XXXX XXXX
I received a collection letter from Monarch Recovery Management XXXX Inc XXXX Monarch XXXX dated XXXX XXXX, 2015. In the letter they state they are attempting to collect a debt on behalf of XXXX Bank. I was immediately suspicious as I have never held an account with XXXX Bank. I contacted XXXX Bank and they confirmed my suspicion of not ever having an account with them, not owing them money and that they never turned anything over to Monarch nor do they use them for collection. I then sent Monarch a debt validation letter on XXXX XXXX asking them to provide details of the debt. I had not heard from them until today when I received a second debt collection notice dated XXXX XXXX, 2015. I called the number listed on the letter and while I did not get an actual person, I left a voicemail asking them to cease and desist any further collection attempts until such debt validation has been made per FDCPA guidelines as enforced by the FTC.
When I had my mortgage with Ever Home. I entered into a repayment plan to bring my account current and to keep me from losing my home. When I entered into the agreement I was told that they would be helping me and that my credit would not be affected. While on the repayment plan I made every payment on time but they reported me late every month which had a devastating effect on my credit
I need to file this complain due a negative court case still showing in my TransUnion Credit Report Case XXXX this case was file in court and collected from a collection agency XXXX, from a fradulent account, after the investigation was finalized, and was reported the unauthorized opening of the account XXXX acct # XXXX and found XXXX and XXXX has removed it, but TransUnion still showing in XXXX section this account as mine, I need to have those account removed immediatly / XXXX reports XXXX as collection/charge off {$3700.00} from XXXX XXXX, and same acct as reference XXXX circuit court {$1700.00}, it is same acct XXXX # XXXX case. the letters with the proof of investigation was given to both parties, but transunion is in violation of my credit report rights. XXXX XXXX # XXXX s.s.
I refinanced my mortgage with XXXX approximately XX/XX/XXXX, account # XXXX. There has always been a 15 day grace period with no extra charges incurred if paid within that time frame with this and every mortgage I 've ever had ( since XX/XX/XXXX ) including XXXX. On XX/XX/XXXX XXXX passed the servicing of this loan to Nationstar, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX account # XXXX. To date, they 've failed to pay my Property Tax on time, and now they 've informed me they will now be charging me a {$9.00} " Processing fee '' if I fail to pay by the XXXX of the month. I spoke with " XXXX '' from the account escalation team. She was adamant that this was not a " Late '' fee, but rather a " Processing fee ''? Curious. If that was so, this fee would always be charged regardless of the date so long as it was in the 15 day grace period, no? XXXX explained that most mortgage Servicers are banks, but Nationstar is not and thus uses XXXX XXXX for mortgage payments, thus they charge this 'fee '. This company, through it 's business model, is disguising this fee as a " Processing fee '' when the reality is it is a 'Penalty Fee ' or 'pre-late fee ' for not getting it to them a week earlier than the XXXX. This changes the conditions of my loan by accelerating the late payment date from the XXXX to the XXXX of the month. I do not agree with this action and it was clearly NOT part of the Loan agreement I entered into with XXXX. If this company wants to participate in the servicing of mortgages it must play by the same rules as everyone else or I should be able to op-out of XXXX 's transferring the servicing to them.
CCOC is not providing me the original bill and is asking me to back to my insurance which I no longer have. 

They have purchased this debt form XXXX, but are not able to provide me the details. 

Thank you!
I paid a ( disputed ) debt XX/XX/XXXX per the " settlement '' offered. The check, marked " paid in full '' was cashed XX/XX/XXXX and now, nearly 4 years later, Progressive Financial Services is attempting to collect additional monies.
I am a victim of the Transunion inquiry issue and their customer service would not help and take care of the negative inquiries reporting to my credit report. They are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these inquires be removed due to Transunion 's negligence. 

Thank you XXXX XXXX