WillisBack/dataset-financial-user-claim huggingface dataset:
I had problems paying my mortgage, I applied for modification and sent all fay servicing asked for. I called several times to find the status, the account manager kept saying that she will call me to tell me she had an update. I received a letter on XXXX XXXX that I was not approved. That letter was sent out on XXXX XXXX 2016. When I called My account manager said that she did not received anything yet, she checked and she saw the letter and confirm that i was not approved for modification, because I did not make enough money to maintain my house. She told me to sell it and get another cheap house. I said that I was going to rent one of my room to get more income. She asked me for a contract and proof of the money my new tenant gave me. I sent all she asked for on XXXX XXXX. The foreclosure was schedule for XXXX XXXX, 2016. I asked her several times if the foreclosure will be on hold, she stated it will. I email to her and her manager to make sure that they received the documents I sent and they never replied. so, I had a feeling that she was not telling me the thru. so, I borrowed money from a friend so I had {$7700.00} on my account ready to pay on Friday XXXX XXXX. When I call my account manager she said not to worry that the foreclosure will be on hold. I said that I want to make a payment, she insisted that everything was fine. on XXXX XXXX she called me after XXXX and said that I was not going to be approved with the appeal because we did not have enough time and that I needed to pay {$7700.00}. I had to leave my job and ran to the bank and make that payment. I believe that Fay Servicing are very unprofessional and that they want me to have my home foreclosure. After I made my payment I sent an email to proof that I made the payment. Finally I received an email from the manager saying thank you for the payment. I was told by my account manager that they were not aloud to replied the emails, but I made the payment and they replied to my email. This company is a reap off, they DO NOT help their customers. I am very unhappy with them, and I am going to do anything to have my mortgage with another company.
1.lake area collections, several accounts I was on welfare medical, I do not have a cop pay, they were given my insuance card and did not bill my insurance. I have contacted them several times and nothing. 
account number is XXXX, XXXX, account number XXXX for the amount of XXXX, 2.XXXX XXXX XXXX XXXX. again was on state medical and they were given insurance card, amount XXXX account number XXXX 3. XXXX XXXX   account number XXXX XXXX was on state medical insurance amount XXXX and is on report twice account XXXX XXXX amount XXXX,
I received a bill in early XX/XX/XXXX from XXXX XXXX for {$720.00}. I never had an account with that company. I called them and spent over an hour on the phone during which the person I spoke to confirmed the following : ( 1 ) I never had an account with XXXX
( 2 ) They received my information when the acquired XXXX XXXX service in XXXX XXXX, CA. ( 3 ) My account with XXXX was closed at the time XXXX acquired the account with a XXXX balance. Despite acknowledging these three items the woman said she could only route me to their billing department to set up a payment plan. I explained how illogical it was to make payments on a non-existent debt. She said she could n't correct the records, I could just set up a payment plan. Eventually she said she 'd transfer the call to someone who could help me but all she did was route me to the people who set up payment plans. I told them I did n't owe the debt and they re-routed back to the same number where I had just spent over an hour on hold waiting to be told nothing could be done. Rather than waste another hour talking to someone that I knew was n't going to resolve the issue, and having seen online the fact that numerous people in XXXX XXXX were complaining about XXXX being unresponsive to all complaints, I sent a check ( # XXXX ) to XXXX for {$720.00} on XX/XX/XXXX. I referenced on the face of the check that I did not owe the debt and that it was, in fact, a fake debt ( I have a copy of it ). As of the last time I checked, XXXX did not cash that check. I then received a notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX saying they were trying to collect the non-existent {$720.00} debt. I called XXXX again and spent another hour during which another XXXX employee re-confirmed the same three facts mentioned above. Despite recognizing that I obviously did not owe XXXX any money and that my old ( closed ) XXXX account also had a XXXX balance when it was acquired by XXXX, she asked me to send all of my records of payments to XXXX in order to confirm that XXXX 's own records were accurate that I did not owe XXXX {$720.00}. I explained that any such attempt was much more time-consuming than {$720.00} was worth even if I still had such records which I was certain I did not have. A short time later she hung up or we were disconnected as she tried to transfer my call. In an effort to save my credit rating from this utterly false debt claim, I did as directed in the letter and sent another check for {$720.00} directly to XXXX ( but this time without noting on the face of the check that I did n't owe it ). XXXX cashed that check on XX/XX/XXXX. Despite paying the amount that I never owed, XXXX reported this fake debt as a charge off and my credit rating dropped from well over XXXX to less than XXXX. It is now affecting my ability to buy a home.
On XX/XX/XXXX, I contacted Lincoln Automotive Financial where my car loan is processed and advised them that I would need to send the payment through XXXX XXXX as my payment was due on the XXXX.. I was given my account number and told to send it to XXXX XXXX. I did so at the XXXX XXXX in XXXX Colorado on XXXX and XXXX in the amount of {$640.00}, which included the payment of XXXX and {$7.00} for the XXXX XXXX fee. Tracking # XXXX A few days after the I began receiving calls from Lincoln Automotive Financial and was told that they did not receive the payment. I was told to call XXXX XXXX to make sure it was sent. I did so and was told that it had been sent to XXXX XXXX. I called Lincoln Automotive Financial again and was told they would review their records and call me back. 

On XX/XX/XXXX, I received a call from XXXX at Lincoln Automotive Financial that they still had not received the payment and that I needed to contact XXXX XXXX again and call her back. She asked me to fax her a copy of my receipts. I did so. I made approximately 10 calls this day back and forth from Lincoln Automotive Financial and XXXX XXXX and the results were that the money should have been sent to Lincoln Automotive Financial but XXXX XXXX sent the money to XXXX XXXX ( the wrong company ). XXXX XXXX stated they would begin the process to get this corrected and I should call back on Monday of the next week. The case # is XXXX. 

I called back to XXXX XXXX and was told that they needed the city in which the payment was to be sent. I called Lincoln Automotive Financial and was told XXXX, MI. I then called XXXX XXXX back and was told that they would get back to me in a few days after they received the money back. 

I called XXXX XXXX the following Monday, ( Which is now XX/XX/XXXX. ) and was told that they are not receiving a response from XXXX XXXX to get the refund. That they would escalate the claim and get back to me in a few days. 

I called on XX/XX/XXXX and I still have not received a response to where my money is. I was dinged on my credit with a late payment by Lincoln Automotive Financial due to the fact the money was not sent to Lincoln Automotive Financial because I told to send it to XXXX XXXX by the Lincoln Automotive Financial representative. 

I want the money returned to me.
I was contacted by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX funds to collect a debt of XXXX, XXXX XXXX dollars, and then a few weeks later after I was attempting to cooperate by sending in check stubs to sign up for rehabiliation program. XXXX and XXXX XXXX  send me a letter and indication by phone that I owed XXXX XXXX dollars. I began to question this debt altogehter because I was told that XXXX was required to purchase for XXXX. At this point, I verbally disputed this debt because I do not owe XXXX XXXX dollars. The representative from XXXX told me that they was attempting to collect on XXXX XXXX. I was not familiar with this company at all, and therefore, I stated again that I did not agree with the debt. I sent a certified letter to dispute the debt to XXXX and on behalf of XXXX XXXX. On XX/XX/2018, I received a letter from XXXX XXXX indicating that they reported a debt of XXXX, XXXX XXXX to Experian XXXX XXXX. XXXX XXXX  did not report with notification the the debt was being disputed. Neither company has completed the requested validity of the debt within the 30 day timeframe from first request, so this is a direct violation of the Federal Fair Debt Collection Practices Act. This is harassment and misleading in every way. In addition, XXXX XXXX XXXX XXXX XXXX contacted me XX/XX/2018 threaten to contact my employer for wage garnishment. I did not know who this company was until I searched that XXXX XXXX  had transferred their XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX failed to disclose their affilation with XXXX XXXX to collect a debt through threats to contact my employer for garnishment of wages. This is deceptive and unfair in nature, another violation. Consumers are expected to follow the procedural routes, and these companies should be held to the same standard. As a result of there tactics, it has caused me a lot of distress and unrest. I just want fairness in the matter. How can XXXX and XXXX XXXX   state that I owe XXXX XXXX and later owe XXXX due to fees, but report to the credit agency a debt of XXXX XXXX, because I did not sign up for the rehabilitation program. XXXX and XXXX XXXX have not completed the validity of debt as requested by ceritified letter dated XX/XX/2018. Please assist with this debacle and bring some kind of fairness to the matter. Thank you ....
On XXXX XXXX, 2015 I made an online ACH payment for my student loans. I called the Citizens Bank XXXX online teller system that evening to verify my checking account balance, and discovered that this transaction caused an overdraft of {$47.00}. Early the next morning I made a {$50.00} cash deposit around XXXX The deposit revealed my account balance was now {$2.00}. Later that evening on XXXX XXXX I again verified my checking account balance using the automated teller system. This time I discovered that the Citizen 's Bank XXXX had charged my checking account an overdraft fee of {$35.00}. I then asked to speak with a manager to find out why the bank charged a fee when my checking had a balance of {$2.00} earlier that morning. The manager, whose name is XXXX responded by telling me that the bank could charger a {$35.00} fee whenever they decided to. I do n't feel that I should have been assessed this fee, in addition to additional fees which followed, since the fee itself created an overdraft from the earlier balance. When I received my paycheck that Friday, XXXX XXXX. These amounts had been deducted. I would like to have the fees removed to resolve this issue. In addition, I did not opt to have the overdraft protection offered by Citizens Bank XXXX, so if my account did not have the funds when I attempted to make a student loan payment online, the transaction should not have gone through as payable. 





led the toll free banking
I recently had a death in the family. And i am only behind XXXX. Me and my wife receive between XXXX calls a day. Some times we will get them back to back.
In 2011 I purchase a new phone at a XXXX store in XXXX. At this time my contract was at a end with XXXX. I ask the young lady if I bought a new phone do I have to sign a new contract. She told me NO.. so I picked out a new phone. I purchased the phone with cash. During the purchase she had me to sign some papers. She told me the paper work was stating that I did n't want insurance on the phone. Almost 1 yr later I decided to switch phone providers to XXXX I went to XXXX in XXXX XXXX to cancel my service and they said I was under contract and would have to pay alot of money to cancel. I should have been out of contract for more than a yr or so. The worker in XXXX miss represented XXXX and con me into signing a new contract. I should not owe this money. I am a honest man that would n't do anyone wrong but I have been miss lead.
I have been receiving several calls a day from National Enterprise Systems to collect a debt for a name I do not know. I have repeatedly told them that they have the wrong number and was assured that my number was being removed from the list, but am still receiving several calls a day. These calls are to my place of work, and present a frequent distraction.
I am trying to submit my yearly documentation  to Navient for Public Service Loan Forgiveness. The only information on the Navient page directs customers to go to studentaid.gov to learn about PSLF. Once at the student aid page it explains what PSLF is and that you submit your yearly application to your loan servicer ( which would be navient ). Navient has an entire page for the documents you can upload from forbearance to income based repayment but there is NOTHING on where you can submit your PSLF documents. This makes it extremely difficult for public servants drowning in student debt to do our part in submitting the correct paperwork, and work toward debt relief after  10 years.
I have notified Transunion many times that there are incorrect addresses on file that do not belong to me : XXXX XXXX XXXX, XXXX, GA and XXXX XXXX XXXX XXXX XXXX, GA. I need your help in getting these incorrect addresses remove from my credit.
I have a Creditor Statement from XXXX XXXX XXXX XXXX XXXX XXXX a debt consolidation program regarding the checks/payments they paid on our behalf to our creditor Convergent Outsourcing Inc. in which the original Creditor is XXXX. This bill in the amount of XXXX dollars and XXXX cents ( {$460.00} ) has been paid in full. As per the Creditor Statement payments are as follows : Starting XXXX/XXXX/XXXX To XXXX/XXXX/XXXX XXXX dollar ( {$20.00} ) monthly payments a total of 14 consecutive payments. *On XXXX/XXXX/XXXX a XXXX dollars and XXXX cents ( {$110.00} ) payment was issued and this is the missing payment, *Check number XXXX. On XXXX/XXXX/XXXX a final payment of XXXX dollars and XXXX cents ( {$68.00} ) a total of XXXX dollars and XXXX cents ( {$460.00} ). During a conversation on XXXX/XXXX/XXXX with a representative of XXXX XXXX XXXX XXXX they stated that according to their records check No. XXXX in the amount of XXXX dollars and XXXX cents ( {$110.00} ) was issued and paid to CONVERGENT OUTSOURCING INC., and has been cashed by CONVERGENT OUTSOURCING INC., they told me that they will not be reissuing a second check to them in that amount since the check has already been cashed. Today XXXX/XXXX/XXXX I spoke to a supervisor at Convergent Outsourcing Inc. XXXX XXXX and she acknowledged that they received all payments from XXXX our credit consolidation company and that XXXX submitted the proof they required that payment of {$110.00} was in deed paid to them. They can not locate the payment themselves. There is no problem with XXXX because they have the proof that the payment was made to Convergent Outsourcing. Kindly help us to have our account with XXXX XXXX to be cleared once and for all. XXXX XXXX still has our account as unpaid and that we still owe them {$99.00}. as per XXXX XXXX, manager. 

on XXXX/XXXX/XXXX my wife handles all of the bills and she spoke with a representative at Convergent Outsourcing about all of this. That 's when they told her they did not receive the {$110.00} dollar payment. Although they did receive it and cashed the check. My wife does the majority of the phone calling and handling of the bills in our house. Its a small amount of money to be going back and forth over. It is totally ridiculous. I and my wife spoke to them over the phone together today XXXX/XXXX/XXXX to see if we could get this resolved to no avail. They are unwilling to credit my XXXX XXXX account and make the correction. XXXX XXXX at XXXX XXXX claimed he could not help us because he turned the account over to Convergent Outsourcing and Convergent Outsourcing is saying they cancelled the account and returned it to XXXX XXXX unpaid. This is ridiculous. We are in the middle of this confusion with no where to turn. Please help! 
Convergent Outsourcing Inc . 
XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Phone : ( XXXX ) XXXX
I am a victim of identity theft and have been a victim of identity theft for over XXXX. I have some unauthorized and fraudulent credit inquiries listed on my Equifax Credit Report do n't belong to me. The following credit inquiries are unauthorized and fraudulent : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX. The following address do n't belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX   ), and XXXX v. XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
To Whom It May Concern : I have attempted multiple times with the credit bureaus to correct the spelling of my name and my address but unsuccessfully so.They have also been actively adding an old addresses that I am NO LONGER associated with especially Transunion. All my Old Addresses are on my report as Current, that should NOT be.I ca n't update my address on XXXX XXXX because Transunion, I get a message that says Transunion has my address as the such. My job is reported without my knowledge as well. Please remove it. I do not want any reporting of my place of work current or previous to on my accts. Please remove them. 

I now asking for the CFPB to assist me with getting this taken care of once and for all. 

My Legal name and how I address and sign myself & name on all Legal documents are as such. 

XXXX XXXX XXXX XXXX has my name spelled incorrectly ( XXXX XXXX XXXX ) and it does n't matter how many times I call and give the correct information it, I am told that it will be updated but it NEVER happens. 

My Current Address and the ONLY one that should be on my Credit Report as as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please I am asking you to help me get this corrected.
Account was originally opened in XX/XX/XXXX where I purchased a washer, dryer, and a T.V. I was offered a 12 month no interest deal which I accepted. In XX/XX/XXXX,  I experienced a substantial flood in Louisiana and lost everything. I filed a claim through the insurance that XXXX XXXX  XXXX XXXX  gave me and it was explained that I could replace the items that I received in which my 12 month interest offer would be extended or let the account be closed out. I choose to get a refrigerator, washer, and a dryer and was told by the female customer service agent at the XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX that the no interest deal would extend unto the following year from the date of purchase. I made regular payments until in XX/XX/XXXX I called to pay off account and paid {$1300.00}. At that time I was told that my 12 month interest free had expired and I fought the payment and only agreed to pay {$1300.00} on the account that day because I was told once I paid that a manager would look over the account, process it and close it out. That never happened and I started receiving phone calls from Conn 's starting in XX/XX/XXXX stating that I owed money still. I fought with them and told them I did not owe that amount. Spoke to a collections manager and she asked why I didn't sign anything and I explained to her what had happened. eedless to say, she said I owed the remaining balance. I started talking to an attorney to get some insight and did not pay the amount being requested. However, with legal counsel I was informed that it would be better to settle this matter instead of going through legal channels and so when I was given a settlement of match pay on my phone I called to make the arrangement on the XX/XX/XXXX at about XXXX XXXX that evening. Once on the phone I spoke to several different individuals and it was stated to me that if I made a payment of XXXX Conn 's would match dollar for dollar the amount paid and then I would be refunded the extra amount owed back to me. This was because of the rules of the match pay I could not pay only the {$580.00} that if matched would bring my account to fully paid. I had to pay a total of what would equal 3 months of payments to have the deal recognized. Now Conn 's is saying the will not honor the deal. I have talked to several of their agents and gone over the notes they have on file. The voice mail that offered the deal for match dollar for dollar came from XXXX at XXXX XXXX
I have filed a credit card with Citi and was approved. The problem is they gave an APR of 20.99 % after the introductory period. I have excellent credit history and credit score and I have called them and tweeted them about why is the APR so high. If a person with excellent credit history gets 20.99 %, who will get the best APR? 
Also the problem is there are not giving any answers why is the APR set at 20.99 %. 
If I 'm the consumer of the product I should how I got the that APR. 
I have closed the account. The problem is my credit scorer decreases a few points because of the credit card application and closing the account. Why should I lose points? They are not answering any questions which I ask. 
Thank you.