WillisBack/dataset-financial-user-claim huggingface dataset:
I received a phone call on XX/XX/XXXX from this company Diversified Adjustment Services. The debt had already been discussed and satisfied with XXXX in XXXX. I spoke with a manager named XXXX XXXX who took care of the charges that should of never been applied in the first place and sent me a later stating my account was paid in full. Fast forward to XX/XX/XXXX, I have gotten at least 5 phone calls a day regarding a debt that does not exist. I spoke with two reps from this company. One was  decent but did not listen to me at all. Just wanted me to hand over my card for a {$3000.00} bill that does not exist. The rep I spoke to on XX/XX/XXXX was disgusting. He threatened me, insinuated I was a loser that does not pay my bills. Asked me questions that were irrelevant and threatened me with placing it on my credit and bringing up a lawsuit. I politely asked for them to cease contact while I clear it up with XXXX but he laughed at me. Mind you I am still in my 30 days to have them validate the debt per the law from the letter I mailed. I also mailed a letter to them to cease contact while I clear it up with XXXX which I am in the process of doing, but their harrassing phone calls multiple times a day to their nasty treatment and threatening words are out of control and clearly against the law. Help!
Approximately late XX/XX/XXXX, early XX/XX/XXXX, I disputed the balance reported by Transunion on my XXXX XXXX XXXX XXXX XXXX CC Visa account ; through XXXX XXXX online and directly with Transunion. Transunion is reporting my credit card balance in excess of {$10000.00}. XXXX  in contrast, is reporting the balance correctly, {$600.00} or less. I have disputed this balance and issue three times within this month directly with Transunion. They have reported back, the {$10000.00} balance is " accurate '' as reported by my Credit Union. I have contacted my Credit union and demanded my balance be reported correctly to pertinent credit reporting agencies and inquiries. I confirmed my balance to be {$600.00} or less and requested my account be annotated regarding our discussion and this credit card balance issue. Please enforce and/or advocate Transunion and XXXX XXXX XXXX XXXX XXXX accurately report my credit card balance. Thank you.
On XXXX XXXX, 2017 I sent a certified validation letter, with signature requested, to XXXX XXXX XXXX, XXXX to verify an alleged debt they claim I owe them, in the amount of XXXX. I have no contract with this company. They sent a letter back, dated XXXX XXXX, 2017, without the requested validation of alleged debt and retaliated against me by reporting a collections to the credit bureaus within the past week and made XXXX inquiries on my report without my consent. On the bottom of this letter it clearly states in bold letters, " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT ''. They are damaging my credit report causing it to drop while I 'm working to correct it and deforming my character. Because of this drop, I am unable to get a mortgage or rent an apartment without good credit and my family deserves a home, otherwise we 'll be homeless soon. I 'm requesting this unproven & alleged debt to be removed from my credit reports and all attempts to collect this amount and communication to stop.
I sent in a dispute for the negative items on my report in XXXX and XXXX of 2018 to the three reporting agencies I did not receive any update on my dispute in the mail or email from these reporting agencies. Under the FCRA if they can not validate the account is true and accurate to me or respond in 30 days the collections have to be removed. Also, these collections on my report I've never heard of or contracted with so I do not owe these collection companies on my report ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ). I do not owe this debt and they did not and can not provide a validation and signed contract with my signature. I asked that these collections be removed per FCRA violation.
after pulling my report from XXXX noticed a large debt that was reporting different amounts on the credit bureau and i was never contacted that was not paid by my dentist office. explained to the creditor i was not aware of this debt. was not given any info but told me the amount to pay was XXXX for a XXXX debt that accrues at 1 % a month not paid. i cant pay what i do n't know i owe if any. my dentist office agreed to accept the balance from a non profit which they talk to and confirmed on the phone. i 'm not sure why XXXX family dentist did not contact me to say they did not receive the pledge promised years ago. i contacted them today XXXX/XXXX/16 and was told they kept the debt in their office for 1 year before sending to collection. they had my address and phone number but chose not to contact me. i informed them that this would roll off my credit shortly but i did not know about this until now. i was too sick in the past to worry about this kind of stuff because i have a home health aid who is suppose to make sure all this kind of stuff is taken care of. i 'm disable and not able to handle things like this and on XXXX of only {$1000.00} a month from SSA.
I took loan from the PNC Equipment Finance, located at XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for an equipment finance on XX/XX/XXXX. I paid off the loan on XX/XX/XXXX for the payoff amount. The payoff amount was provided by PNC on XX/XX/XXXX. However, PNC withdrew the monthly loan payment amount from my bank also on XX/XX/XXXX. When I contacted PNC to return the over payment, PNC equipment finance 's customer service ( XXXX ) emailed me that the over payment amount ( {$560.00} ) will be refunded to my bank account by XX/XX/XXXX. Today is XX/XX/XXXX and I still didn't receive the refund of {$560.00} in my bank account. I sent emails on XX/XX/XXXX and XX/XX/XXXX to their customer service requesting update and those emails were not answered by PNC. I am fearing that PNC bank will not refund my money. Please help.
I have XXXX messages on my phone from a XXXX XXXX from Element Global Services saying he is going to charge me with theft of merchandise and have me arrested over my credit card debts he also called my mother who is sick and elderly XXXX times after he was told do not call he called her names and said she better give me the messages he then called my soon to be ex spouse on a number that should have never been found out and told him watch out and watch what he does I called my local police non-emergency and was told I should do this before making a harassment report on him he has called from many different numbers from XXXX NY and XXXX XXXX
From what I understand, starting in XXXX XXXX, Hunter Warfield initiated reporting an account on behalf of XXXX XXXX XXXX that is wholly inaccurate and only getting worse. The original debt was listed as {$1800.00} and last reported, XXXX XXXX, as {$2000.00}. I disputed it a number of times explaining I do n't owe anything to XXXX. This debt is not my responsibility, nor is the ever-growing balance, yet H.W.  continues to verify it when I dispute the account to the various reporting bureaus. They have yet to explain the increase in the amount, nor have they provided any validation of the debt in response to my disputes.
We have disputed an item on our credit report that is inaccurate with the three reporting bureaus ( joint reporting ). XXXX and XXXX corrected the error and removed the item. Equifax has not corrected the problem. 

The item in question is from XXXX XXXX XXXX XXXX   XXXX XXXX XXXX for {$87.00}. It is disputed because it is not our debt. We have been over this time and time again with the apartment complex and with the collection agency. Their incompetence and intent on being malicious and intentional in attempting to collect this debt is becoming irritating and annoying. We have demonstrated that it is not ours through pictures, letters, e-mails and conversations. The collection agency recognized that it is not ours but still insists on not correcting it because they have to go by what XXXX XXXX XXXX XXXX says they must do. This insanity has to stop NOW! 

We are tired of talking and proving to these crooks that it is not our debt. We now hold Equifax accountable and insist that they hold their poor business practices accountable to their error and oversight and immediately fix this problem by removing it from both our credit reporting.
I had to take out a loan for a college program I was doing, during the program many things were changing. The loan, already priced very high, was super expensive and hard for me to get but I was able to get it approved and continue the program. Then things started changing in the school like everything went to an online school format and that is not what we expected or what we were paying for. So after changing everything, almost all of the students grades started to lower including mine, which lead us to failure. Thats is what happened, they were not teaching well like they were in the beginning of the program and a lot of the students I spoke to failed many tests and the program. I unfortunately failed the program barely passing, I actually passed but they could not understand my situation of help me instead they decide to kick me out of the program and leave me with the debt. This happened at the XXXX college at the XXXX campus.
XXXX made up unecessarily high false visits and charges to purposely run up a high bill to aid the attorney who referred me to him to win a lawsuit. When the attorney dropped the case the XXXX is now trying to put this fraudulent bill on me.
Capital one bank late payments in 2014  XXXX ,  XXXX ,  XXXX  and  XXXX . Should be covered under the payment protection plan
My Chase XXXX XXXX credit card charged a late fee and interest because JP Morgan will not process electronic payments on Sunday. The credit card itself may not process payments on Sundays as well. 

My XX/XX/XXXX payment for this card was due on Sunday, XX/XX/XXXX.  I pay this Chase credit card electronically from my JP Morgan checking account. The payments are supposed to be credited the same day, although they usually are not. 

However, JP Morgan bank will not allow me to make an electronic payment on a Sunday. It may be that neither would Chases XXXX XXXX credit card process an electronic payment on a Sunday. For these reasons, due to JP Morgans refusal to make electronic payments from its checking accounts on Sunday, and especially if the credit card itself will not process a payment on the day it is due, Chase credit cards should be forbidden from charging late fees and interest fees for any payments due on a day that its banking division will not make a payment, and/or the credit card divisions themselves will not process a payment. 

This is a recurring problem with JP Morgan and Chase credit cards that I have filed CFPB/BCFP complaints about before. Yet it continues to happen. Chase credit card continues to levy unreasonable fees and penalties.
I HAVE NO INFO I OWE ; WHAT IS THE REASON ; NOT DETAIL ENOUGH INFORMATION.
On XX/XX/XXXX, I wrote to Equifax explaining that I am a victim of identity theft and the bankruptcy reporting on my credit file is not mine ; supplying evidence and documentation. However, Equifax responded that the information was verified as accurate through XXXX XXXX. I have had my information suppressed with XXXX however, Equifax refuses to remove this fraudulent account from my credit file in accordance with Section 605 B of the FCRA.
I paid the bill off in full. But its still on my credit reports. I have documents that it is paid. Its to choice recovery
Transferred money to the virtual currency service " Coinbase ''. After confirmation funds had been transferred to the service, access to the website was restricted stating ; " THIS REQUEST HAS BEEN RATE LIMITED You 're making too many requests to our servers from this computer, please wait an hour and try again. If the problem persists add a Bug Report. Sorry for the trouble! '' although no incorrect information had been entered. There are no options available to me to request my money back. 

Funds were transferred XX/XX/2017. 
Funds were confirmed to be transferred on XXXX XXXX.
Upon reviewing my Bank of America checking account I noticed that I was overdraw in the amount of {$280.00}. I called customer service to inquire as to why my account was overdrawn and they stated because I had XXXX items that were presented for payment and they paid them for me as a courtesy because they are recurring payments to my account. I have called about this in the past because it caused my account to be overdrawn that time also. The challenge I am facing with Bank of America is that I did not sign-up nor do I have an account linked to my checking account for overdraft protection. I have made request that no courtesy payments be made and if the funds are not available that the items be returned. I further explained that I declined setting up overdraft protection because it is not something that works for me. Upon further speaking with the customer service representative I was informed that even though I did not request that the items be paid but that Bank of America made the decision to pay the items, I was still responsible for any fees assessed to the account for payments. Additionally, as of today, XXXX/XXXX/15, Bank of America assessed my account a fee of {$35.00} because my account has been overdrawn an extensive amount of time, even though I did not request the items be paid, it was a judgement call by them. They are maliciously charging fees and initiating activity on my account that is not authorized by me. My thought this is another way for Bank of America to make money off of their customer.
I filed for bankruptcy from   XXXX   to  XXXX . The credit card Amazon through Synchrony bank was placed in the chapter  XXXX  bankruptcy. I sent full payment of   XXXX   to the bank and a check was returned to me stating due the account is in bankruptcy, they could not accept any payments. The bankruptcy was dismiss   XXXX   XXXX   and they continue to report that my account was late during the time it was in bankruptcy. The account should have reflected never late because it was in bankruptcy.
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I contacted Synchrony bank several times to resolve the issue but I keep getting bounce to the bankruptcy department and back to customer service.
I have not received my pay check that was direct deposited into my rush card account. I have not been able to provide for my children and my bills are mounting up. I need my money so that I can provide and Rush card has kidnapped and is still hold my money that I worked for as hostage. Please help ..I am in a bind. I will never use Rush card again.
Calls repeatedly from a fake local number every day, no voicemail just calls. Sometimes twice in less than a minute. Finally sent an email with the proper debt notice, but continued to call over and over each day. When I had time to step away at work to talk, I asked for the full final bill for the debt, never received it. I asked multiple times when they would call me again. Finally, I decided to settle the debt via payment arrangements. Set them up and when the second payment was to go thru it did n't. Received emailed on Sunday about debt, received 3 calls on a Monday morning, called them as I was confused because of the arrangement that was set. Come to find out they do n't do auto payments which was n't made clear to me previously. Made that second payment and now all of a sudden the arrangements change, the previous person should n't have made the arrangement with me and unless I start paying a larger amount each month they are going to continue collecting/calling me and report me as a non pay. This bait and switch tactic is very unfair.
An attempt was made to submit a REQUEST FOR LIEN RELEASE to Citifinancial 's Lien Release Dept. I made contact via their recorded message line at XXXX ( dead end ) AND followed the instructions to submit an emailed message with attachments to email : XXXX ( another dead end - message " returned as undeliverable '' ). 

The following information was submitted for a " release '' draft from their Citifinancial office to perfect title of property burdened with an open Mortgage originated with XXXX XXXX XXXX XXXX on XX/XX/94. 

PROPERTY ADDRESS : XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX & LOT/Parcel # : XXXX CURRENT OWNER : XXXX XXXX FORMER OWNERS/BORROWERS/MORTGAGORS : XXXX XXXX and XXXX XXXX ( wife ) MORTGAGEE : XXXX XXXX XXXX XXXX ( Now Known As CITIFINANCIAL ) *See attached Title Search for copy of Mortgage and last recorded Deeds of record.
I own a large number of properties. ( More than 10 ) Chase services 3 loans from my portfolio. Recently all my individual property insurance polices were cancelled, by me, and replaced with a commercial policy that covers all my investment properties under one policy. As a result there is no individual amount to pay from an impound for one specific property. I pay an aggregate dollar amount to cover all properties in my portfolio. 

I kindly asked Chase to STOP paying INSURANCE from my impound account. I told them they could and should continue to impound funds and make property tax payments. 

I asked Chase by phone. I asked them in writing. 

I furthermore expressly removed any and all permission and consent for Chase to withhold money from me for the purpose of paying insurance premiums on my behalf. 

Chase has refused to honor my request. They insist on a nonsensical arbitrary withholding of my money for insurance ( I expressly FORBID AND DEMAND they do not ) I further DEMAND that they not send my money to others for the purpose of obtaining insurance. 

The behavior of Chase to this simply, reasonable, and logical request is appalling and quasi-criminal. I ask to CFPB to fine and sanction Chase. 

The three mortgage accounts involved with this request are ; XXXX XXXX XXXX
I have a loan with SAFCO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SAFCO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2017.
I am not surprised Navient is being sued/accused of Bad practices. It all makes sense now. I wanted to apply for a REPAYE repayment plan however Navient customer representative on the phone said I had to apply for the INCOME DRIVE PLAN ( even though I did qualify for REPAYE ) because its the same thing as the REPAYE!!!!!!!! ... ... ... ... ... ... .really!! The Rep finally admits with SHAME in his voice! that they are different and continues my application process. Can't believe they train Navient employees to LIE & misguide us. To catch them redhanded had me disgusted. I then submit my papers required to apply for the REPAYE plan ( submitted via FAX, upload file on site, and uploaded file while on phone, emailed them too ) .. They some how never received it for over 2 months .... Finally after 2 months of calling/following up/waiting ( and continuing uploading of files ) I call them yet again and they tell me that they decided to finally push my application to start the process ... ... After 3 weeks MORE it gets processed. Now They charge me no where near the 10 % of my income that they are suppose to charge me and I end up arguing with them again for weeks until they finally decide to lower my payments to the amount the GOVERNMENT REPAYE program plan should be. This company makes you feel like your in your local car dealership. They LIE, Manipulate and mis-guide you in order to make you pay as much as possible per month. Can't believe this company does business with our government. Disgusted
I went online to make my payment and decided to check the capitalized interest. How in the  XXXX  is Navient able to charge so much  XXXX  interest I HATE this company, they come from  XXXX . They are not even trying to help students pay off their student loans. On  XXXX / XXXX / XXXX , {$250.00} in capitalized interest was added to my balance. Then on  XXXX / XXXX / XXXX , {$890.00} was added to my balance. These people are absolutely horrible. Another problem, why the  XXXX  do they have to have your bank information. There should be options, I do n't like making payments with my bank information. I want my account reviewed and I want the  XXXX  interest reduced! This whole student loan industry is created on thievery!
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, XXXX, and Experian i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( XXXX ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX - Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX - Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX -Acct # XXXX - Reported bal {$390.00}
wellsfargo has refused to fix the late paayment due to never recieving the paperwork not knowing i had a late payment when refinancing with   XXXX   and the company  XXXX  has failed to remove the hit on my credit even though i called and they said the hit to my credit would be removed and sent i the proper paperwork and they said they would remove the delinquent payments due to being sent and sending in the income based deferment an requiring to pay  XXXX  bucks a month when my income is   XXXX    and cant affrord to pay since i have no income due to being sick for over 9 months with the doctors still having no clue with what is wrong even though i called them.     also   XXXX   i sent in a dispute and they still havent fixed the issue and the problem ha yet to be reolved
I went to a car dealer lot and got ripped off for XXXX the car and my down payment. I was in the process of buying a car back in 2011, and the dealer said he would shop around for a deal to finance the car. After having the car for XXXX I bought the car back to the dealer and at that time he said I have some one who will do the deal. I said never mind, and can I have my XXXX dollars back. OK, the deal is off. Canceled It.He said come back tomorrow and pick up the check for the down payment. I went back the next day and he was gone, I mean gone!!. The company he got to finance me called and said that I was approved. I told them I did not want the car and wanted the money back, she told that they had already sent the dealer the money for the car, I said I did not have the car or my money. So they told it was a done deal and that there was nothing I could do but make the payments.. I said make the payments on a car I do hot have. I will not! THIS HAS BEEN ON MY CREDIT REPORT EVER SINCE!! Late payments for the last 6 years. I have not been able to get credit in the last 6 years because of this. The company is Mid-Atlantic Finance in Florida, this wrong to do to somebody. The dealer should be put in Jail and Mid Atlantic. The way to resolve this is to give me back my money for the down payment and remove it from my credit. I did not make XXXX payment on the car, because I NEVER HAD THE CAR, THE DEALER LEFT TOWN AND LEFT ME WITH THE BILL. He Took my money and the bank 's money.. This is not fair and they should spend time in JAIL ...!! With years of late payments on my credit report. I have not been able to purchase a car or anything because this has held up my credit!