WillisBack/dataset-financial-user-claim huggingface dataset:
I took a loan out with this company on XXXX XXXX, 2016. The payments were automatically withdrawn from my account every week. It was scheduled to continue for 20 weeks to have it paid off. I made XXXX payments on time and then had an issue with my bank and was working on changing my account number. I revoked the ACH payment and was told that was changed. I continued to receive late notices and charges along with returned payment fees even though they were not trying to put the payment thru. I sent them notice on XXXX XXXX by email and XXXX mail to let them know that I would not be paying them all of these fees and to stop all communication by phone. They continue to call and send me notice of returned fees.
Hello Sir/Madam I am writing concerning a pressing concern in my credit files that I would like to have revised. I received my XXXX, EXPERIAN, and XXXX  credit reports. My credit reports are reflecting LATE PAYMENTS on my student loans which are incorrect and affecting my credit negatively which is keeping me from obtaining credit. I took pride in the fact that all my accounts were always in a positive status. The LOANS ARE PAID AND CLOSED BUT STILL REFLECT NEGATIVELY on my credit reports. My student loans were in forbearance and when XXXX and XXXX XXXX split my loans defaulted. I am at my whits end with this. XXXX XXXX ADMITED THE ERROR ON THEIR PART BUT XXXX REFUSED TO BUY BACK THE LOANS FROM XXXX XXXX. 

I am the sole provider for my family and this has left us in an unfavorable position financially. I am about to begin the process of purchasing a new home, and it has come to my attention that the late notation from XXXX XXXX is keeping me from being able to get approved for a home. Since that notation does not reflect correctly with bureaus I am requesting that you please update all 3 credit bureaus XXXX, XXXX and EXPERIAN to reflect NO LATE PAYMENTS OR REMOVE THE ACCOUNTS FROM MY CREDIT FILES. I HAVE 30 ACCOUNTS REPORTING NEGATIVE!!! THE ACCOUNTS ARE PAID AND CLOSED. I would like this done most expeditiously. I HAVE FILED A COMPLAINT WITH THE CFPB AND XXXX IS STILL GIVING FALSE INFORMATION. I NEVER SIGNED ANY CONTRACT WITH XXXX!!!! MY LOANS WERE UNDER XXXX XXXX!!!!! 

Unfortunately I can not get into my XXXX XXXX account but I have enclosed a screenshot of the deferment request that was sent to me from XXXX XXXX. 
I thank you again for the time you have spent reading this correspondence. I hope to communicate with you soon
I have asked numerous times not to be contacted by XXXX and that they only communicate with me via US Mail. The company is contacting me several times a day via a Robo dialer. When I answer the phone they often hang up on you. The calls are originating from a call center in XXXX. I keep being told they will no longer contact me on my company cell phone but they still do. The debt collector often states they are on a recorded line but will not identify themselves until they try and verify all the personal information. I told them they were not authorized to contact this number.
On XXXX XXXX, my credit report added a collections account for {$100.00} by Stellar Recovery, listing the open date as XXXX XXXX by XXXX XXXX as the original debtor. 

I immediately contacted this company because I have n't had a XXXX account for nearly 3 years. This company is verbally abusive. When I inquired as to what this was for they provided inaccurate information. They advised me this was a prorated balance that was placed on my account as a result of me canceling my services to early. 

When I asked for proof they said they emailed it to me on XXXX and XXXX. I advised that I never received an email or any other documentation. They did not care and demanded I pay the amount. 

I agreed and asked how soon would it take for it to be removed from my credit report. The representative, XXXX XXXX XXXX said it would never be removed from my credit report. 

I have contacted XXXX XXXX. It is confirmed there was a mistake on the cancelation date and that the rep who terminated my services did not put my forwarding address in the account or make any notes like they should have. The balance stated as owed is inaccurate and I have never been provided an opportunity to correct this or pay any amount owed prior to it being placed and adversely effecting my credit report/rating.
I spoke with a manager today, XX/XX/XXXX, regarding a check sent on XX/XX/XXXX in the amount of XXXX, this is a replacement check for a prior check sent on XX/XX/XXXX which has a stop payment on it. A total of 14 overdraft fees charged to my XXXX account plus a returned check fee in the amount of XXXX as a result of the stop payment. The overdraft fees cost XXXX each a total of XXXX plus XXXX, a grand total of XXXX. The manager advised me the check sent on XX/XX/XXXX was cashed by a XXXX XXXX at a XXXX XXXX XXXX, I do not know this person and am not familiar with this bank. I was on vacation at this time, left on XX/XX/XXXX for XXXX XXXX, returned on XX/XX/XXXX. Needless to say, I was not able to receive check or sign in it. The manager further advised me to contact police and that their investigations team can do nothing further as check was already cashed, will not reissue it. The Police are not able to reimburse me for lost check and the other party, XXXX XXXX, is nowhere to be found. I do not have a copy of check to show them, they can do nothing without it. Even so, as I stated prior, they can not reimburse me for lost funds. The total claim with overdraft fee and returned check fees is XXXX. Please advise Capital One I need a check for this amount ASAP
Receivables performance MGMT XX/XX/2017 this company send me a bill collect for The originally XXXX XXXX .. for the amount of {$570.00} I contac XXXX XXXX and XXXX  and XXXX this bill is a fraud from someone else stolen theft my identity at this time I provide you my real ID my driver lincense with the only I Adress I live at for the las couple years! Now Im asking you to take care this situation .. in the right way and fair XXXX XXXX say they dont know about this account but is in my XXXX report from you. I need this verified again and I need you to take this off my credit report XXXX  be cuz I never get any service from you or XXXX XXXX I can prove it in court if we have to go the bottom line of this situation.
I paid my mortage for XX/XX/XXXX through XXXX XXXX XXXX XXXX banking portal on my computer. I received a phone call on XX/XX/XXXX for the first time from XXXX stating they had not received my XXXX mortgage. I spoke with a representative and stated the mortgage was paid on XX/XX/XXXX on online banking through XXXX XXXX XXXX. I then pulled up my XXXX XXXX XXXX and saw they sent my payment to XXXX XXXX, my husband 's car loan company. I explained that XXXX XXXX XXXX made an error. The representative from XXXX called XXXX XXXX XXXX and we had a 3 way phone conference call and XXXX XXXX XXXX refused to acknowledge their error and couldn't get XXXX the money due to it had been sent to XXXX XXXX. I was unemployed at the time and did not have money in my savings or checking account neither did my husband to cover an immediate payment to XXXX. I then had to call XXXXXXXX XXXX  XXXX with my husband, and had a discussion in which XXXX XXXX said they would have to mail back the check to my husband and it would take 7 to 10 business days. XXXX was also on this 3 way conference call. I was informed from XXXX due to the error there would be no late payments. I was also informed our credit report would not be contacted for late payment. I was informed due to the XXXX and XXXX XXXX   holiday, XXXX XXXX couldn't guarantee the check would be to us before the first of XXXX. The check arrived on XX/XX/18 and XXXX was paid on XX/XX/XXXX after the check had cleared. I also paid our XX/XX/XXXX mortgage payment before XX/XX/XXXX. On XX/XX/XXXX even though all of this information was made a record of on my account I began receiving harassing phone calls from XXXX about my XXXX mortgage payment and received them the next month on XX/XX/XXXX. Also, our credit report was lowered because XXXX reported that our mortgage payment was over 30 days late even though I have never been late on a mortgage payment and XXXX had a record of what happened to our XX/XX/XXXX mortgage. I had a dispute with Experian and called XXXX who will not take down this late payment stating that legally XXXX had to report this late payment and that the only way XXXX will correct the dispute is if XXXX XXXX XXXX sends them something in writing stating their mistake. XXXX XXXX XXXX won't acknowledge the mistake since it was done on their website. This incident is one of many problems I have had with XXXX where one time I paid our escrow off at the end of the year otherwise our mortgage payment would have gone significantly higher due to our escrow being short for the next year. I put a payment coupon and put the check stated this was for correction of escrow and XXXX applied this payment to our mortgage instead of the escrow. It took my 4 phone calls each lasting an hour and a half to straighten out their mistake. Also, I have up until the XXXX of the month before my mortgage is late but if you pay after the XXXX of the month XXXX calls your payment a remittance payment. This payment is not a remittance payment since legally I have until the XXXX of the month grace period to pay my mortgage without a penalty.
Banks should never be allowed to close access to online financial records and statements unless they provide you with a printed, paper copy of all removed items, along with a statement that "financial transactions" stated in such will no longer be available online as of XXXX.  This includes closed accounts, or any account associated with a closed account.  I am currently going through the process of claiming bankruptcy, and file taxes for XXXX, XXXX and XXXX.  I have never kept paper copies of my statements because it was always accessible online, until I got into financial trouble.  My main bank, State Employees Credit Union, closed my checking account, which in turn gave me absolutely Zero online access to any of my financial information, including checking account statements, tax information, mortgage payoff amounts, previous loans and credit cards, etc.  While I understand a 'closing of an account' due to inactivity, money past due, etc., a financial institution should never make it that difficult to access your own personal banking records.  The whole process of going through a bankruptcy with a potential foreclosure is hard enough, and banks should allow you some type of online access to statements required to file these documents without being further humiliated by having to go into a bank to retrieve these documents in order to secure your own financial well being.
I made a truck payment on a Friday and everything was fine I even put extra money into my account to cover everything. I account was showing positive and as well as Tuesday morning even. Then I get hit with a XXXX dollar overdraft fees. I called customer service and he told me that the online banking can give false readings on weekends and is n't accurate. I was very upset cause I worked hard to keep everything positive and then they just blind sided me with these bogus fees. Please help.
I called Navient about my repayment on student loans. I am currently paying {$330.00} a month on the XXXX of each month for loans. I called and asked to increase amount to {$380.00} and make due date the XXXX of each month. I made payment on XXXX XXXX and asked for next payment to be on XXXX XXXX. The representative said that was fine and set it up for me. When I checked my account online the next day ( XXXX XXXX ) it showed a payment of {$330.00} due on XXXX XXXX. When I called Navient they said sorry we messed up but we already starting taking out your payment and if I wanted to stop it I would have to call my bank. I was told it was my fault for setting up the payment before the date XXXX XXXX had passed because that 's just what their system does. I am so sick of the way this company handles business.
On  XXXX / XXXX / XXXX , I received a summons fro m my county  from CACH , LLC that was filed against me to repay a loan for the amount of {$140000.00} that was received from   XXXX   XXXX   XXXX   , Inc . The summons identified me as the president of a business. My identity was used, without my knowledge or permission, to obtain this loan through an unidentified third-party broker.    XXXX   XXXX   XXXX   XXXX    and CACH , LLC neglected to verify my identity by any reasonable means or confirm the validity of documentation submitted in my name. On  XXXX / XXXX / XXXX , the aforementioned loan company disbursed the proceeds from the loan, by wire, into a  XXXX   XXXX  business checking account that was also opened in my name without my knowledge or permission. Within 3 days, without imposing reasonable security restrictions,    XXXX   XXXX   XXXX    team member  ( s  ) allowed two parties to withdraw more than {$98000.00} of the proceeds from the loan that I was held liable for.
We sold our home and forwarded mail to a professional sorting facility since we had no permanent address. We received all our mail fine with the exception of the Shell Gas card mailings which we had received for years just fine. We had used the card once in XXXX billing cycle and did not use it further. After a few months I received notification that my credit score had gone from well over XXXX to less than XXXX due to past due reports from Shell/CBNA. As soon as I discovered a balance due ( we had not received any bills from them ) I called to take care of it. When I called customer service they confirmed that they would remove any negative reports sent and admitted they had all the mail in question returned to them ( strange since we had no issue with anyone else ). They removed the late fees and I made payment right then for about {$70.00} which was the total balance. After a couple of weeks I received a letter stating the negative credit reporting they sent would not be removed. I was furious! I called again and they would not budge on their decision. I closed my account with them forever! They have a policy that if you have no balance due you will not receive correspondence. I did not receive anything. They send mail first class which means I should have received it no problem. I have worked years!!!! to have a stellar credit rating and perfect payment history only to have it tarnished by these lousy people. I may as well default on everything if something little like this takes your rating down that fast so easy! Whats the point in trying so hard to do good!
XX/XX/XXXX auto accident, rushed to XXXX, XXXX insurances supplied to XXXX. XXXX doctors paid, yet XXXX Hospital did not file claims with either insurance. In XX/XX/XXXX received a letter from the Nationwide Recovery Service attempting to collect a debt. I informed them I was conscious and saw my spouse submit insurance cards to XXXX hospital officials. I subsequently over the phone gave Nationwide Recovery Service ( NRS ) my medical insurance information and they were to inform XXXX. I called both my insurance companies and found neither had a claim for my hospital to XXXX Hospital. And that I was not responsible for the bill because they had not filed in a timely manner only {$65.00}. But XXXX/NRS could send XXXX the bill ; however, the payment to them would be considerably less. They also indicated that because XXXX did not file and sent my name to a collection agency to pay, I could file a formal complaint with the Federal Trade Commission for Violation of the Fair Debt Collection Act because since XXXX doctors were paid, apparently they had my insurance info. I called NRS and passed on the info. XXXX XXXX asked if I was an attorney and if not, I could not say that. I said no I am not an attorney, but I do not have to be an attorney to exercise my rights. She then indicated she would contact XXXX and get back to me. I called on XXXX XXXX and XXXX XXXX and they gave me the same story, that I owed the bill. When I did not receive another bill from either XXXX or NRS, I assumed the problem had been rectified. When the XXXX hacked government retirees social security numbers a few weeks ago, I checked XXXX and found my credit score had dropped considerably and could not figure out why, until I came to the collection section. My credit reports reflects we have not been late on any payment since XX/XX/XXXX ( and that was because one of my credit company changed names and unbeknownst to us, we send payment to the old creditor mailing address ). I attempted to call XXXX for XXXX weeks ; however, the call would drop after holding for too long. As a XXXX, I did not want to go downtown XXXX. Finally I visited XXXX on Thursday XX/XX/XXXX. Upon speaking with XXXX at hospital, they indicated that accident bills were normally sent to their attorneys, and they had not filed the claim in a timely manner, therefore, the charge will be removed. I specifically asked about the collection company and my credit report. She indicated NRS would delete the charges and contact both credit bureaus to remove the debt. Spoke with NRS, they have deleted the debt but indicated they were not told to contact the credit bureaus. How can I get this rectified? Firstly, this should be completely expunged from my credit report. It should not say paid or whatever and stay on there for XXXX years because my FICO score will remain
XXXX is reporting to the XXXX consumer reporting agencies an acct that should be closed because XXXX brought out my contract with XXXX. XXXX was also supposed to have paid the remainder of my bill with XXXX as part of their XXXX promo. I am no longer a XXXX customer so why are they reporting this account as open. I no longer have any XXXX phones. This account should closed and off of my credit reports.
We have our home mortgage with CitiMortgage. Our loan # is XXXX. Last year we were approved for a loan modification and ever since then have made our mortgage payment on time. Every month beginning on the XXXX we get repeated automated phone messages from CitiMortgage and after a few minutes a representative comes on the line and begins to go through the whole disclosure speech about the call being recorded and being an attempt to collect a debt etc. XXXX we are able to intercede we tell the representative that our mortgage payment is just due and we have by agreement a fifteen day grace period to make the payment. We further state that if they check their records they will see that all of our payments have been credited before the grace period has elapsed. We ask politely to not call back unless we fail to have our payment to them by the fifteenth of the month. Usually they are rude and say that the reason for the call is that it is the first of the month and the payment is due. We get nowhere with them and ask thatthey refrain from calling again. However, this cycle is repeated over and over again sometimes 3 or 4 times a day. Each time a different representative who claims there is no record of any previous call in their system. Yea right! This practice of harassment has been going on each month for the last year. My wife has to field these calls all day long and is frustrated that we can not find a method to have them cease. I have threatened lidigation, contacted the do not call list and have had to become forceful in my response to them on the phone all in hopes we can stop this harassment. Nothing has worked. Every time I speak to a manager ( I assume they are what they say they are XXXX they apologize but the calls keep coming in. What can I do to stop this nuisance.
in XXXX my wife at the time took out what she thought was a federal student loan that turned out to be a private student loan, and i was a cosigner, the loan was for XXXX. in XXXX they closed the account out and sold it to Cavalry Portfolio Services in XXXX, while putting incorrect information on the credit report to keep it from falling off after 7 years. so her and i both had an active account with XXXX ( original creditor ) and with Cavalry, but now the amount is over 50k. these two entries have devastated and continue to devastate my credit scores. In XXXX she represented herself in court against Cavalry, conceded to the collection, admitted ownership and they got a garnishment judgement against her. The problem is, they executed the garnishment against a XXXX XXXXXXXX XXXX account in her name that was closed for years prior to this. 3 years later in XX/XX/XXXX without any fore knowledge my employer contacted me letting me know about a garnishment against me for XXXX for an 11 year old debt that is not even mine, not to mention almost 10 percent interest per year on the balance from XXXX on her garnishment judgment. I was never notified or served about this. I was also told by bankruptcy attorneys this is not dischargeable, and that the judge would not set aside the judgment because it was too late after the court date that i did not know about until 3 years later when there was a 2 year statute of limitations. that They are currently taking out about {$1400.00} per month through this continuous garnishment, when they should be going after her to collect on her debt. Also they added another XXXX to the amount reported the the bureaus 4 days ago out of the blue and don't report any of the amounts they are taking from my checks towards the balance that i should not owe in the first place. This is destroying my family as i am the only paycheck for my household.
On XX/XX/2018 I received a letter from my insurance company ( XXXX ) stating that my insurance policy would be cancelled as of XX/XX/2018 because Selene Finance had submitted a letter stating the property was vacant. The Rep. from XXXX stated they received the information from Selene on XX/XX/2018. While seeking with the Rep. from XXXX today ( XX/XX/2018 ) I informed her that I still was residing at the property that Selene stated was unoccupied. I was informed to send in a current utility bill and to also call Selene. I informed the Rep. that I was in the process of calling them and I am on hold waiting for someone to answer my call. I spoke with XXXX from Selene around XXXX and made him aware of my compliant and how it is not right that Selene Finance send out  false information other provider. I also informed him that I had been in contact with Selene a few time in XXXX since they did not credit a payment correctly which was finally resolved. I did ask XXXX if he could request that someone from the Insurance Dept. at Selene give me a call so that they could setup a time to come to my and visualize that I reside at the said address on file. I also informed him that I would be send over a utility bill and contacting Dept. of Banking consumer Affairs to file a compliant regarding falsifying document. This is not the first time that I had to deal with Selene about falsifying documents. How long does a consumer have to tolerate this type of action. I guess when the lender sees a well well groomed property they just assume that no lives there.
XX/XX/XXXX sent me a copy of my credit report with no scores and no deletions of errors on XX/XX/XXXX. I checked all the inaccuracy with a check mark and also implemented and added it the correct information on my credit report. I sent the copy of corrections by US Postal Mail Priority mail to XX/XX/XXXX on XX/XX/XXXX Priority Mail. Evidence is submitted to Federal Government filed complaint..