WillisBack/dataset-financial-user-claim huggingface dataset:
I made an agreement that I would pay {$75.00} on  XXXX , then {$120.00} on XX/XX/XXXX  and {$120.00} every month until the amount of  XXXX and change was paid. They way I found out about that they were trying to reach me was with a recording that the they left my sister cellphone. Giving my name and last four of my social. stating that i needed to be present at my house if not present or if I did not call that date he would appear at my place of employment at the hr office where one of my managers needed to be present. I called them and made a payment plan how ever the payment was to be deducted from my account, but forgotten about it, because I did n't get a courtesy call or even a letter. I got a call of the none suficiente fund and that they would take any property away. I called back but was on successful. I called again today because they had left me another voicemail. I wanted to talk to them because they had mention that the first payment did n't go through and I had proof. The second because I had forgotten and did no have the funds in my account it was unsuccessful. But what had bothered me about this last conversation was that I was driving and I told them that I would call them back in 20 minutes so I can make the payment. He said no that I only have 3 minutes because they close at   XXXX   and that if they did n't get a payment that there lawyers now can sue for more money. I said let me see if my mother can give me her card information because I ca n't stop on a bridge. I did a 3 way call he now said after my mom gave him the card number that he would also charge 34 for the return payment making it {$200.00}. I said to him no my mother does n't have that and also   XXXX   plus  XXXX  it 's  XXXX . He proceeded to take the  XXXX  with the understanding that I would call him back again tomorrow with my card to put on file as well to be charged  XXXX  but he said it need to be done early that if not that they would call my mother and she can make the arrangements with them since my hours of work are not convenient and I work in a bassement and have no reception. I asked him to give me his hours of operation and he proceeded to say why does n't my mother handle my account. First of all my mother was doing me a favor because I was driving and could n't get to my purse as second My mother does n't need to pay my bills. He said she 's more understanding and I said she 's a  XXXX  patient dealing with her treatment that she does not need them calling her. I had it with them. If they want to show up to my job which is new they could, and if the want to take the car that 's not completely mines they can try but I do n't need them harrasing any of my family members with these treats
I called Equifax approximately 2 months ago and disputed an error on my report. Equifax said it would take 30 to 60 days to investigate. At the end of their investigation they determined that I did not owe the debt. They removed the debt from my report. Days later I checked my report and they added the debt back but under a different company 's name. <P/>The debt I am referencing has been submitted by the company " XXXX XXXX XXXX ''. The original debtor is listed at XXXX XXXX in the amount of XXXX. I never owed XXXX XXXX any money and I verified this with XXXX XXXX and included this information in my original complaint. I do now owe this debt and would like if it was removed permanently. They did not verify this debt. In fact they verified I did not owe it when I first disputed the debt.
I asked Experian to do a complete investigation and to furnish the proof according the FCBA Guidelines instead of their automated system that doesn't thoroughly verify the complete accuracy. As of to date XX/XX/2018 i have not received the requested documents of my disputes and everything has remained the same including a fraudulent account. So in faith of making money from the companies reporting I and others are left with with Inaccurate information. 
It's like the creditors and the credit agencies are working together all in the means of money. One credit did tried to get me to pay for an account they no is not mines
Denied credit basis for denial was not valid stated too many inquiries as for denial derogatory remarks not quantifiable ethier
I was pre- approved for the loan 6 months or more prior to the loan being issued. Closer to the loan date I was asked for more information all of which I provided in a timely manner ( less than 48hrs ). I was using a program that claimed to rent out my previous home while I purchased a new Home. I had a signed lease agreement from he leasing company guaranteeing me a certain amount x 3 years and this was a company used by the builder who built my home. Also the loan company was recommended to me by the builder. About a week prior to closing I was told I needed a signed lease agreement by a tenant ; I was told I could fake one but I was uncomfortable with this legally. After I made my concerns heard, I was told they could appraise my previous home and they would rush this. It all went through but I was not informed that my closing date would be pushed back ; this lead to 3 extra nights in a hotel, my furniture being placed into storage and all of our screws to re-connect our furniture being lost and a lot of stress. I complained to the company then but they said they can not guarantee a closing date ; a fact that I wish they would have told me several months prior. It was the underwriter who was holding up everything. I have a good job and decent credit with no late payments ever so ... the only thing I could think of the underwriter had concerns about was my race- I am XXXX. I let this go ; I made my first payment early because I had the money and was changing jobs so did n't want anything to be seen late- the check was cashed on XX/XX/XXXX ; my first payment was due XX/XX/XXXX. I received a letter in the mail dated XX/XX/XXXX stating I owed 2 months payments. I emailed and called ; I was told the payment was applied XX/XX/XXXX on the phone but when I logged into the website it said the payment was applied XX/XX/XXXX -- so no letter should have been generated XX/XX/XXXX. Again I feel like they want to cause me XXXX and just assumed I would not pay because I am XXXX. I sent direct complaints to the company x2 with no response. I wonder how many other people have had these issue with this company.
My bank has been changing the order transactions come in so that they are able to charge additional overdraft fees. I have a branch manager that has been helping me to credit each time but this is now the XXXX overdraft fee they attempted to charge. A recent example is I had my direct deposit go through this morning and the rent check that was deposited yesterday after business showed that it came in before the direct deposit and a {$36.00} fee was charged. 

I do n't keep a lot of funds in this checking account as there is no interest for having it there. Therefore ; I monitored my accounts daily and as of XXXX yesterday ; they account had {$300.00} available. The next morning I looked and noticed they jumped the rent check XXXX-XXXX transactions down along with the overdraft fee. This has been happening a lot more recently and needs to be investigated.
XXXX XXXX is reporting a credit line without any legal authority. They are reporting this fraudulent criet to harass me and adversely effect my credit rating. XXXX had maintained they were transferred this account from XXXX XXXX XXXX. At the time the account was allegedly transferred, XXXX XXXX XXXX did not show any activity afterXX/XX/XXXX However, once transferred to XXXX in XX/XX/XXXX, they started their account history inXX/XX/XXXX with a 120 day delinquency. XXXX  has maintained they would report this account adversely due to the pending lawsuit against their predecessor, XXXX XXXX XXXX.
OnXX/XX/XXXX, XXXX XXXX XXXX admitted the Rescission Deed they filed inXX/XX/XXXX was invalid and ineffective. Therefore they had no loan to transfer to XXXX to collect. However, this credit line should be deleted from my credit report.
OnXX/XX/XXXX, the Court declared the Rescission Deed was invalid as well. XXXX is reporting false information to the bureaus and they are aware of the most recent decision by the Court, ad they are conspiring with XXXX XXXX XXXX creating a fraud against the Court 's, CFPB, and the credit reports. I 've attached a letter from XXXX dated XX/XX/XXXX, letter from XXXX XXXX XXXX 's attorney, XXXX XXXX Stipulation of Facts from XXXX XXXX and the Court 's order. I 'm demanding Equifax delete this credit line if XXXX ca n't prove they are legally required to report it.
There is XXXX on my credit report that I feel is inaccurate in its filing. As a XXXX, I am protected under the XXXX of 2008 and therefore should not be reporting as a derogatory. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX '' for XXXX years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit and hindered my military XXXX actions. I feel as a XXXX military entity that I have forfeited my XXXX and XXXX abilities for the government and I find it unworthy for the credit reporting agencies are not being held accountable to the law. I am requesting that CFPB advocate for me in this challenge.
I received an offer from Chase for the  XXXX  Premier Visa ( R ) Card. The offer was " Earn a {$200.00} statement credit after you spend {$500.00} on purchases in the first 3 months from account opening. '' I applied and was accepted on   XXXX   XXXX   XXXX  .
I charged my   XXXX   XXXX   XXXX   Tickets for {$990.00} on   XXXX   XXXX   XXXX  .
I checked my statement on   XXXX   XXXX   XXXX   and the statement credit had not been applied.
I called Chase on   XXXX   XXXX   XXXX  . They informed me that I was being sent a   XXXX   Gift Card instead. I told them that I do not need a  XXXX  Gift Card and asked for my statement credit instead. They told me that it needed to go through Marketing and that I would not be able to speak with Marketing directly.
I called on   XXXX   XXXX   XXXX   to follow up. I was told that there was no further information and that my 'request ' had been submitted.
I called on   XXXX   XXXX   XXXX   to further follow up and was told that the 'request ' was submitted but no further information was available.
I called on   XXXX   XXXX   XXXX   and was told that my 'request ' was denied and that the  XXXX  Gift Card was canceled.
I now have nothing but a {$49.00} fee from Chase. This is a classic 'bait and switch '.
On XX/XX/XXXX, I made an online payment of {$45.00} to the " XXXX XXXX XXXX '' ( The XXXX ) for club fees. 
After pressing the " Submit '' button, the website crashed. 

My card shows the transaction and posted it. The XXXX has no records of my payment on their system and my membership was not established - because they have no payment on record. 

I have immediately submitted a dispute about the transaction with Bank of America.

The transaction is STILL posted on my account and Bank of America is UNRESPONSIVE. I am a " Platinum Tier '' customer with them and as a result of their poor service, lack of responsiveness and as a matter of principle, I am in the process of transferring my business to a different bank.
I have received over 30 calls in the last 20 days from Suntrust Mortgage to collect a debt on my mortgage account. It is documented on my cell phone. It is intentional harassment, which is part of Suntrust business practices.
n XX/XX/XXXX I contacted Experian Credit bureau to inquire about a account that showed on my credit report. I explained I was a victim of identity theft and was concerned, the agent told me I should sign into my profile with an XXXX email address, I created on XX/XX/XXXX. I informed him that I did n't set up a profile, he told me it had an email address of XXXXXXXXXXXX. I told him that I wanted this to never happen again, he said because I had an extended alert it would stop anyone from setting up an account. I asked how this could happen, he said this person had enough of my information to open the profile. I asked why XXXX, would want or could access XXXX XXXX 's profile. It should be a red flag, they of any organization should have exemplary control in place to protect people. I did n't trust what the agent said so I attempted to open a new profile with my actual email address. I was able to do so, I called back and now a credit freeze is in my account, which should allegedly stop another profile from being set up.
My name is XXXX XXXX and I am going through the process dealing with Simple Banking. It is a online way of banking. I completed a online mobile check deposit and I was told that I had a 5 day hold after I made deposit. After several days I contacted the payee who informed me that the check had cleared on their account and money had been removed from their account. I then called Simple back to see why I didn't have access to my cash, only to be told that it was still being held. For what reason, I still don't understand or not was a explanation given. When I asked for a manager, I was told that there were none. I have no clue how this is allowed.
Having a hard time due to medical bills so I called Capital one to ask if they would let us skip a pmt. I talked to XXXX who said they had a hardship program that would let us skip payments for 3 months without extra fees etc : I said great. She said I would receive notice ( did not ) tried to call her back on XX/XX/17 could not reach her. Talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, ( no help ) finally talked to XXXX said her # was XXXX said she would pull the recording and someone would call us within the week. No Calls.She was a supervisor with special assistance dept. We also noticed they turned us in to credit for late pmt. On XX/XX/XXXX we got in touch with XXXX Senior account mgr. who said that if we would pay XXXX he would take care of the problem wave fees pull the bad credit report and get us back on track since we have never missed a pmt in way over 10 years with them. We made the payment and found out they applied {$400.00} to fees and interest and did not remove the bad credit report as promissed. We tried and can never get in touch with any of the people talked to. They recorded the conversation when XXXX told me about the 3 month program but I guess won`t pull it up. Thanks you if you can hellp us.
XXXX XXXX XXXX falsely reporting on my credit report on the property are living in and XXXX mortgage has never filed ever with the credit companies. And this is the reason why they have n't reported on this issue because the know the paperwork on this house is improper and are refusing to correct the problem or investigate this issue. So apparently it is legal to file a deed of assignment on a terminated remic years later according to them and the CFPB, HUD, FBI, the mortgage companies etc. And I guess identity fraud is legal to? And have the this info sent to them
I leased a vehicle in XXXX 2014 from XXXX. The current fair market value of my lease is less than the residual value of my automobile as listed on the lease. There is still 26 months left on the lease. The residual value of the vehicle as documented on the lease appears to be inaccurate based upon current XXXX by XXXX XXXX XXXX and other requested trade in values. The inaccurate and misleading information regarding the residual value has left me with a vehicle that is worth less after 14 months than it was advertised to be worth after 39 months.
I went delinquent on a loan with lending club. I negotiated to pay the debt. Before I paid the debt : a representative from lending club told me that once I paid that debt, it would be considered paid in full and removed completely from all  credit report one p ayment was processed on their end. I have completed the payment, yet it is still report on my credit report as of yesterday [  XXXX / XXXX / XXXX  ] I request all trade lines be removed all credit reporting agencies Lending Club Loan # -  XXXX  Date of Birth -  XXXX / XXXX / XXXX  Social Security Number -  XXXX
Please review the attached mortgage prepared by Bank of America. I am the current resident at the property address on the mortgage and am in the process of selling the home. This mortgage was discovered during the title search and has been delaying the sale of my home for about two months with what I now understand to be " XXXX ''. I think the biggest problem with the mortgage is that it was recorded a full year after it was prepared so the title companies involved never knew it was there. Also, I ca n't understand why I had to call them to get the release of lien started ; should n't that be done when the lien is paid off? I think there was some intentional fraud here on behalf of the previous owner and someone that works at that branch. The previous owner went through the closing of the property in question and her new home in Texas without disclosing this mortgage. Please help me to get the release sent to my title company so I can close on my short-sale before it falls through!!
I went in there on XX/XX/2015 and they gave me less than 7 days to pay off my loan. And they did not date my check for my correct pay date. I getting paid on the XX/XX/XXXX due to the Holiday. Lady was very rude and unwilling to call a manager.
Hi. I am the executor of my deceased brother 's will. Chase bank ( Credit Card ) owes my brother {$1000.00}. As the executor of his will I have obtained ( at considerable expense ) the necessary legal document to claim these funds ( Order of Summary Administration - Attached ). All other entities that owed my brother funds have come through. I have sent this Order to Chase and have spoken to them on the phone multiple times. Thus far, they have refused to honor the Order of Summary Administration and settle this matter. I sent Chase the Order of Summary Administration on approx XX/XX/18.
In  XXXX , I started a loan forgiveness program with  XXXX   XXXX   XXXX  who has been great at handling everything. They work w ith FedLoan Se rvices to allow me to have income driven payments for 10 years and the remaining balance to be forgiven.   Last year, I received a payment of {$14.00} per month compared to my normal monthly payments of {$350.00}. Wow, that was great. It was what the program promised. I receive communication from   XXXX   XXXX   XXXX   that my payment calculation was wrong, but the company would allow me to pay the {$14.00} each month instead of the $ 20ish dollars it was supposed to be.   This year, we resubmitted my tax information f or FedLoan Services t o calculate my new payment Starting  XXXX   XXXX . I received a letter, bill and an email ( dated  XXXX   XXXX  ) saying that my new payment was {$0.00}. Wow, I thought that was even better. I was excited!     On  XXXX   XXXX , I get a letter and a bill that states my n ew Income Driven Pay ment is {$70.00}. WHAT? I called immediately because that was a huge jump from the year before and it certainly was n't {$0.00}. I talked to the person with badge #  XXXX . They were no help. All they could tell me was that there was a mistake made and this would be my new payment. I asked some questions about how these mistakes keep happening, but this is my new payment.     I then called   XXXX   XXXX   XXXX   and they said that they received information from FedLoan that there was an error and that {$70.00} is my new payment.     I am not happy and I do n't understand how they can mess up continuously like this. I wonder if they actually even look at the information provide or if they just pick a number.
I am a victim of Identity theft. Someone open a XXXX XXXX account using my SSN.in another state. When I looked at my credit report there was an account that went to collection for {$1200.00}. So I call AFNI and told them that this was not my account. They gave me the information that I needed to do to file a complaint. At this point I was very upset because I have been trying to get my credit score up for sometime now. So I thought that they were trying to help me so when she asked my for my address, I said why do you need it and she said that they needed it just in case they found out something out about the account they would contact me. So at this point I was not thinking clearly so I gave her my PO Box number. The next day I get a statement account from AFNI in the mail with this other person name on it. I am not the person they are looking for and I do not want any more mail address to someone else coming to me.
This company is posing as a debt collector and phishing for personal information. They called and asked me for my address and last XXXX digits of my social. When I refused and asked them who they are, they hung up on me. If it was a legitimate debt collector they would have that information or would be willing to answer my questions. 

CCI Contract Callers Inc. 
XXXX, GA XXXX
Amsher Collection Services placed an collection on my XXXX Credit report for XXXX with out debt validation
I checked my online credit report today and discovered that my credit rating had dropped from very good to fair due to a bad debt of {$1600.00} that had gone to collections. I remember receiving a debt collection notice in the mail less than a month ago, but I had disregarded it after XXXX the agency name and only coming up with fraud messages. That was the first and only time that I received any communications about that alleged debt prior to seeing it on my credit report. At that time, when I had tried to call the number in the mail, I was not able to reach anybody or even a machine. My credit report says that the original creditor is a company called XXXX XXXX, but I have never heard of that company before. I have never taken out that loan. It was sent to XXXX XXXX XXXX, which contracted it out to Halsted Financial Services. I really need help because none of these companies are responding or even available for questioning.
I received a bill for personal property tax from my previously financed XXXX XXXX XXXX for {$230.00} from XXXX County ( see attached notification from XXXX ). This bill is incorrect, as it was levied based on the car being registered for 7 months ( see attached bill from XXXX County ) -- this is impossible since the plates were transferred from the XXXX XXXX to the new XXXX XXXX XXXX I leased in XX/XX/XXXX. I can provide a copy of the registration for my new XXXX showing this. XXXX County informed me the disposal date with the DMV needs to be updated and/or paperwork filed. 

I was informed by XXXX ( refused to provide her last name for " personal privacy '' ) with Honda Financial Services today, XX/XX/XXXX, that I must pay the full, incorrect amount, wait 2-3 weeks for XXXX/Honda Financial Services to file an abatement, then wait another 8-12 ( " possibly longer '' ) weeks for the state of Virginia to respond and THEN be issued a refund. 

The fact that XXXX paid an incorrect bill is not my fault. The fact that Virginia issued an incorrect bill is not my fault. 

I estimate my actual tax burden to be around {$100.00} ( 25 % or 3 months ' of the full years ' tax ), and I am happy to pay that amount.
Perfection Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX   This group cost me time and money in XX/XX/XXXX and now I know why! They reported to credit without complying with the law by giving me notice to dispute a debt. 

I received a letter today that this account is reported to my credit. I do not owe this account and did not have a chance to dispute the validity. The letter received today is the first ever communication I have received. 

Creditors should stay away from using this collection company. Perfection Collection will get you sued!