WillisBack/dataset-financial-user-claim huggingface dataset:
I over paid my capital one card. As part of a home refi they asked me to pay off and close this account. I looked up online my total balance and paid a direct payment through their website for around {$1500.00} in XXXX 2016. I asked them to close the account, they did. A few days later, another payment for {$950.00} was paid auto bill pay from my checking account. I forgot to cancel that check that I had scheduled. When I noticed the {$950.00} come out of the account I called Capital One. They said they did n't have any record of it. Then we did a three way conference call and Capital One and XXXX and I al talked. They said they would start an investigation. Nothing happened, I called a few weeks later, they said they would start and investigation, nothing happened. NOW, they are charging a NEGATIVE $ XXXX and my credit card shows I owe it???? They have been impossible to work with. This account has been closed and they owe me XXXX not the other way around and they just added a late fee. Its nuts.
When I started college there was little options when it came to student loans. Though I did receive a lot of financial aid I still in a lot of hardship. my mother was denied every year for the parent plus loan and I was told my the XXXX XXXX XXXX XXXX XXXX that private loans through XXXX XXXX was my best option for my needs. I was told that they would help me through XXXX XXXX and their Financial Aid office to make my loans manageable and they would only be a little higher than most. One XXXX degree later I am XXXX in student loan debt. XXXX of it is owed to XXXX XXXX. My Financial Aid officer did not even give me an exit meeting and how I was going to handle my repayment. I was left with one single option from XXXX XXXX which was their Graduated Repayment Plan. This plan is only a year of interest only payments. These payments are XXXX a month, this is more than I pay in rent. After the year is over my payments will go back to over 1200+ a month. there are no other options than deferment or the default. there is no help, even though the people are friendly, they give me no options to make sure I can continue my payments. I have 5 loans to XXXX XXXX and I can not combine them. this has put severe financial burden on me. I have gotten a job using my degree and is it no where near enough for my to afford these payments even though I make around 18hr and got this job 5 months after graduating.
XXXX Getting a fraud alert doing something I do almost every day and for which there is supposed to be a note in my file. Citibank is marking my XXXX purchases as fraudulent. I buy a lot of books.almost every day because I read a, lot of books. 80 this year so far. So this is NOT unusual activity on my account. And when I called about it they wanted data I had already input. SS number, pin, account number, atm card and my password. Plus my mother 's maiden name. Only 2 of those should have been enough for something they never should have denied in the first place.
Discover Student Loan policies are designed to maximize interest charged. You are forced to sign up for autopay or you will pay 0.25 % more. The autopay can take out anywhere for 1 to 3 days to take out payment. I pay average of around $ XXXX/month or more in interest, so you are looking at up an extra {$60.00} dollars interest per month. 

In addition, the information in account balance, monthly statement and student loan history ( which can be requested after struggling with hours of arguing with customer service ). 

Any time you make any changes to your account, discover re-calculates your interest and increases it. 
There needs to be transparency and illegal practices need to be stopped. I would like beg to lawmakers or anyone who can help to please -please -please don't torture the payer. I am already paying so much interest and making on-time payments plus taxes. Can anyone help. I have paid more than originally borrowed amount. I am not asking for forgiveness, I am asking for transparency. I need to know where my hard earned dollars are going??????
I was a loyal customer from Chase Bank for 6 years and for no reason that I can think of they closed down all my accounts my checking saving and all my credit card accounts
Due to recent health issues I was not paying very close attention to my mortgage. I just paid it. I realized in XX/XX/XXXX that my payment increased by XXXX PER MONTH and had been that way since XX/XX/XXXX. I called myloancare and they stated that my town taxes increased dramatically from XXXX a year to XXXX per year. I went to the town hall and they said I missed the homestead exemption. We calmly spoke and they said we can fix it it will take a month till the board meets on XX/XX/XXXX. The town met and sent me an abatement letter and a copy of the taxes backdated to the beginning of XX/XX/XXXX stating my taxes are in fact XXXX per year. I immediately sent the letter and abatement to my loancare, confirmed they received it and they said they would run an escrow analysis and fix it on XX/XX/XXXX. In the meantime I have overpaid by XXXX dollars without XXXX XXXX payment even being made yet. I received an email on XX/XX/XXXX from my stating that myloancare sent the Town of XXXX another XXXX dollars in tax payments that wasnt even due until XX/XX/XXXX verified by XXXX at the town of XXXX tax office XXXX. She said why did they send that and why would they do that " WE SPOKE TO THEM " AND TOLD THEM YOUR TAXES were XXXX per year. After the escrow analysis was marked as completed on XX/XX/XXXX by my loancare they update my account stating that my taxes are XXXX dollars per year and my payment was still XXXX higher than it should be at XXXX per month. When they have a black and white paper stating my XX/XX/XXXX and XX/XX/XXXX taxes are XXXX per year and spoke to the town and verified it with XXXX. They have refused to fix the account and refund any monies owed to me and just keep giving me the runaround. The stress of calling everyday and disputing the same facts with different people on any nornal time would be too much never mind with health issues and at XXXX time and being out of work but NEVER MISSING OR delaying any payments. Please help me please. They know they have the power and are just bullying and not doing what they are supposed to. It is very very wrong. And this stress is not healthy. I just want to pay my mortgage and not have to deal with this sham of a company.
I upgraded my XXXX XXXX XXXX internet service back in XXXX, XXXX was suppose to cancel the old service once new service was connected. I recieved a bill for the old service for {$130.00} months later I contacted XXXX twice and was told no problem we will take care of it and that I do not owe it. Today I got a collection notice stating I owe XXXX. I have been on the phone with XXXX XXXX XXXX for an hour and half I have been transfered 6 times and this is still not resolved
from around XX/XX/XXXX my mortgage has changed from one company to another I did not know who had the mortgage from time to time a company would send me a letter saying they were foreclosing on my house and i would send them a QWR Qualified Written Request and would never receive the information demanded of them and now I believe the XXXX XXXX XXXX XXXX XXXX is claiming ownership of the mortgage I mailed them a QWR via certified mail dated XX/XX/XXXX ( see attachment ) demanding their Standing to Foreclose and other certain factual information in which I have not received
TRANSUNION COMPLAINT : Complaint regarding dispute sent to Transunion regarding inaccurate status reporting on XXXX XXXX XXXX XXXX real estate account. 
1 ) Failure to review documented evidence to support the dispute claim which proved the account was never late during the disputed time period. 
2 ) Failure to respond to second dispute letter. 
3 ) Failure to record that the account was in dispute on the credit report within 30 days. 
Two Dispute letters were sent certified return receipt received XXXX XXXX, XXXX and XXXX XXXX, XXXX. The following documentation was provided with the dispute indicating XXXX incorrect 30 day late payment status marks on my credit report : Copies of the XXXX Canceled Checks ( see the schedule of due date and canceled checks below ) Copy of driver 's license for identity purposes. 
Transunion reported 30 days late from XX/XX/XXXX-XX/XX/XXXX Payment Due Date Ck Posted ( received Prior ) Check # Amount Due Amount Paid XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$670.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$660.00} {$660.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} Total : XXXX {$9600.00} {$9700.00} Response : The response I received from the first dispute letter fromTransunion was that the status was " verified '' by the creditor and would remain on my credit report. A response was never received to date from the second dispute letter received XXXX XXXX, XXXX. Transunion never posted a statement on my credit report as in dispute as they are required to do within 30 days therefore violating FCRA 623 ( a ) ( c ). 
Impact : Inability to FHA streamline refinance for 13 months- cost in excess interest paid ( {$9100.00} ) Denial of Credit due to inaccurate delinquency reported. 
Resolution Requested : The Transunion status of 30 days late from XX/XX/XXXX- XX/XX/XXXX changed to a status of OK. 

Support Documentation Uploaded : XXXX Canceled Checks as listed above Dispute letters sent certified return receipt Time stamped copies of Transunion Credit Report Transunion Response to Letter # 1.
there is a report on Transunion XXXX that states XXXX. no other notes. I called XXXX and they stated they can not find anything on my account. Nothing that should have ever been reported.
I sold my house. During escrow my title company/abstract office failed to send pay off/wir e n   XXXX   XXXX     2017 to  my mortgage company in a timely manner ( 9 days past the closing d ate )   XXXX   XXXX , and now my mortgage company maked my credit as 30 day late on my mortgage payment.     I have emails from escrow company stating it was their fault due to their negligence and I sent this to my mortgage company on  X/XX/17   . Auto email sid  wait 5 business days. Its been 10 and I  clled today and was told Id receive a phone cLl today. I did not.     Meanwhile I have a 30 day late reported to the credit gods. I need a response and correction.
I have disputed the late payment status reported on the account XXXX XXXX XXXX   XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously
On  XXXX / XXXX / 2017 , I received an alert indicating that there had been changes to my credit report. I logged into my credit tracking account and found that this company by the name o f Deville Asset Management had   placed an alleged account on my credit reports. I have never heard of this company prior to  XXXX / XXXX / 2017 . On that same day,  XXXX / XXXX / 2017 , I filed a BBB complaint, the company responded, and I sent an official letter of dispute around  XXXX / XXXX / 2017  which  Deville Asset Management s igned for on  XXXX / XXXX / 2017 .     Sometime in  XXXX /2017, I received communication from  Deville Asset Management which poi nts to this account being time barred and null and void as they did not provide proof of the legitimacy of this alleged account. Around  XXXX / XXXX / 2017 , I again responded  to Deville Asset advising  them of the fact that they did not include proof that this account is valid and requested that they have this alleged account removed from my credit reports immediately.  Deville Asset Management signe d for this letter on  XXXX / XXXX / 2017 , and up to now this time barred, null and void account is still on my credit reports.
Jefferson Financial is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Jefferson Financial is reporting an account with a balance of {$810.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ).
PayPal Smart Connect and Synchrony advertise that a payment can be 24/7 with a live agent. On XXXX XXXX and XXXX, 2016, I attempted to make a payment at the number provided on my billing statement, XXXX, which number answers as " PayPal SmartConnect '' and not Synchrony. The recorded message said they were closed at teh hour I was able to call. On XXXX XXXX I called to complain and was told I would not be charged a late fee and I made the payment due. On my next statement, I was in fact charged a late fee of {$35.00}. I was told that as an apology for charging me a late fee wrongfully, Synchrony would not only credit me {$35.00}, the same amount as teh fee, but also return all my interest for the month ( {$50.00} ). I waited for my online balance to update to make the payment due on XXXX, concerned because again a weekend and holiday would be involved. At XXXX XXXX XXXX the very kind rep had told me that I still had to pay the late fee on or before XXXX. When I explained in detail ( which she said she relayed to her supervisors ) that I was not satisfied because 1 ) Synchrony was demanding payment of a late fee that it openly acknowledges I do not owe, 2 ) Synchrony included the wrongful late fee in my balance and appears to be charging interest on it, 3 ) My credit high balance is being misreported to credit agencies because they have included the {$35.00} in my overlimit balance after their admission that I do not owe it, and 4 ) even if the {$35.00} is refunded to me my records of " Late Fees Year to Date '' and the number of times my account incurred a late fee are intentionally being reported erroneously as they include XXXX 2016 and -- the agent said Synchrony Bank WILL not correct those matters, only they will return the late fee once paid. I am asking for 1 ) correction of my records with PayPal Smart Connect and Synchrony, 2 ) correction of my high balance and late fee information on my statement and reported to any credit agency or any other person internally or externally, 3 ) damages for having to send hour on several phones calls trying to resolve this, interest on the {$35.00} I should not pay, and the cst of checking all credit bureaus to watch what they have reported and if they correct it 4 ) Clarification to ALL customers of the limited hours available to make a payment by phone with a representative and the effect of payments due on weekends and holidays..
360 Mortgage has submitted a debit to an account that I did not authorize. The representative took my payment over the phone and was to debit my checking account ending in XXXX from XXXX Bank instead there were XXXX debit transactions made XXXX from my XXXX account and XXXX from my XXXX. I was charged a {$36.00} Insufficient fund fee from XXXX for this and was reported 30 days past due on my mortgage account by 360 Mortgage which was not authorized to debit this account for my XXXX mortgage payment.
We have been contacted over and over for the past year by Navient student loans and they say our loan number is XXXX. These are loans we believe we paid under several other companies like XXXX. We have begged over and over for them to PROVE the loans and show us paperwork. They have not provided us that information but harrassed us enough that we are now paying the loan to Navient XXXX XXXX XXXX pa XXXX. We are asking for proof we owe this money as it is XXXX dollars and we just want proof. Can you help us? XXXX XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX XXXX XXXX. If they can not prove, can we get our money back??? The schools that might be involved are XXXX XXXX, XXXX University, XXXX XXXX University, XXXX XXXX University, California. I can not say which school these loans are associated with as they will not provide proof.
I have tried everything that I know how to do correctly, Still, TransUnion, XXXX and XXXX  will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( XXXX XXXX XXXX XXXX  ) I'M trying to get a better job & place to live but they, ( TRANSUNION ) ( XXXX ) ( XXXX  ) NOR ( XXXX XXXX XXXX XXXX ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do
I have asked XXXX  XXXX previous to the call to my employer on XX/XX/2018 at XXXX XXXX, to not call my employer again. I informed them of this again, when I called XXXX after the HR rep emailed me that they had called her office this morning. They did not follow the direction to not contact my employer the first time I told them about 2-3 months ago.
My personal information has been improperly divulged without my consent. I was affected by a cybersecurity breach, which equifax should have been responsible for.
Hello, I signed up for a Citi Checking account in XXXX 2016 for a promotion to receive XXXX American Airline Miles ( Promotion : XXXX ). On XX/XX/XXXX I had not yet received my promotion miles, so I made an inquiry with Citi. They responded with a letter stating that " We have confirmed that your account has met the necessary requirements to qualify for Promotion XXXX. Please allow 90 days from the date of the qualifying transactions, which satisfied the terms and conditions ( Which would be ~XX/XX/XXXX ). 
Since then, I have chatted with customer support on at least 3 occasions, of which I kept record of the chat. Each time, customer service says " We have started an investigation, you will receive a reply within 24-48 hours. '' However, no reply has come. 
I have been caught in a never ending cycle of chatting, waiting, no reply. The part that makes this so frustrating, is that they charge me {$30.00} each month to have the checking account open. My confidence in Citi to be able to resolve matters in a reasonable fashion has been absolutely destroyed. 
I suspect that it 's Citi 's intention to drag me through the mud, promising promotion miles, then charge me {$30.00} a month while I wait.
I have 2 accounts on my Transunion Report that I have disputed and requested that these accounts be verified and each time, the response is " verified '' but no documentation or explanation of their process on how they verified the information. These accounts are NOT mine and Transunion is reporting inaccurate information that is defaming my name and credit ability. 

1. XXXX XXXX XXXX XXXX opened XX/XX/2017 for {$1100.00} 2.XXXX XXXX XXXX XXXX ( Collection Account ) with XXXX XXXX XXXX as the original creditor for {$430.00} These are not my accounts and should be deleted.
I mailed Central Financial a dispute letter XXXX XXXX, 2015 requesting validation of debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) In the letter I requested the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; andProvide me with your license numbers and Registered Agent. 

I asked the office to provide me with debt verification within 30 days from the receipt of my letter or to cease all collection activity and remove all negative accounts from their office from my credit report. 

I received a letter from Central Financial Control dated XXXX XXXX, 2015 ( after the 30 day grace period ). In the letter, Central Financial requested a copy of my personal identification and Social Security card to assist them with completing their investigation. The letter also stated that if they did not receive the requested information, the account would be returned to the appropriate department for handling, including but not limited to active collections. 

I informed Central Financial that there is no Fair Debt Collection Practice which requires I furnish copies of my personal sensitive information to credit collection agencies. 

Central Financial continues to refuse to verify the dispute of the debt. 
I submitted a complaint to the XXXX and the complaint was closed and unresolved on XXXX/XXXX/15. 
I believe Central Financial is engaging in deceptive and illegal collection activities. Furthermore, Central Financial is not licensed to debt collect in the state I reside in ( Missouri ).
We began receiving phone calls at all hours from the company XXXX XXXX XXXX around XX/XX/XXXX of this year,XX/XX/XXXX They would hang up on us when we asked who they were. I received a letter from them on XX/XX/XXXXstating I owed for a supposed account and a stated amount. I do not owe any outstanding debt and my credit is very good. I received another phone call this morning XX/XX/XXXX. The lady told me that there was a " claim against my social security ''. I told her she was wrong and she hung up on me. I called back and spoke to a manager. He stated He was going to see me in Court because I don't pay my bills. These people are breaking the law and violating the FDCPA by representing themselves as lawyers and threatening legal action on a debt that probably is 15 years old. I have no current issues with unpaid debt and haven't for over 15 years. These people call and make false statements, hang up on us and threaten legal action. I am sick of these people breaking the law. We would appreciate very much your assistance. Thank you.