WillisBack/dataset-financial-user-claim huggingface dataset:
I paid the loan in full on XX/XX/XXXX using the pay loan in full option. The XXXX account number is XXXX. 

I received mail saying an additional XXXX was owed. 

I called and was told I had not paid correctly. They also told me that the amount to repay had grown to XXXX and that if I logged in I would see the pay off amount as of today and a " pay loan in full button ''. I logged in and saw neither. Instead it showed an account balance of XXXX as of today. If I went to a secondary screen it showed the XXXX. I have the following comments : 1 ) This is a scheme to make more interest and collect late payments. 
2 ) If I had paid the XXXX specified in the letter and on the screen, I would owe XXXX cents next month and if I did n't know that I should pay XXXX cents or I forgot I would be charged a late fee. 
3 ) This is n't as bad as what XXXX XXXX did but I bet they have made XXXX stringing people out on interest and late fees. 
4 ) I have screen shots of what was displayed. 

XXXX XXXX XXXX XXXXXXXXXXXX
The state of Maryland filed a tax lien on me in error. I received a lien release letter from Maryland dated XX/XX/XXXX. I also have two emails from Maryland dated XX/XX/XXXX and XX/XX/XXXX stating that the lien was in error, and that the lien had been withdrawn. I submitted this information online with the above documents attached to Equifax. On XX/XX/XXXX I received notification from Equifax that nothing has changed, and they refuse to remove the lien from my credit report. I called Equifax this morning and was told that once the lien has been recorded, it stays on my record for 7 years, whether it was released or not! I asked to speak to a manager and was told the same thing by her. The incorrect lien record is damaging my personal and business reputation. Please help me to remove it! Thank you!!
On XXXX XXXX, 2017 I purchased a vehicle from a XXXX dealer in XXXX, Texas. The auto loan was to be secured with XXXX XXXX. I received documentation on XXXX XXXX, XXXX that XXXX " must regretfully inform you that we were not agreeable to handling the proposed transaction as submitted. We would, however, be agreeable to handling the transaction under the modified terms which have been relayed to the dealer. '' The letter goes on to state that XXXX  reported my credit score as XXXX but SageStream , LLC reported it as XXXX. On Friday, XX/XX/XXXX at XXXX Central Time I called SageStream , LLC 's number listed on their website to obtain a copy of the report to determine why score is so much lower than XXXX . The call is answered by an automated message and goes straight to a recording after selecting the option for a copy of my report. The recording asks you to leave a detailed message and I will receive a call back during normal business hours. A quick XXXX search brought up multiple reports of other loan applicants with similar stories. The theory is that SageStream receives a kickback from certain banks for submitting low credit scores in order for the loans to be renegotiated for the bank to earn a higher interest on the loan. One bank, XXXX XXXX, was named multiple times. As such, I am filing this official complaint because there truly may be something to the theory that XXXX XXXX and SageStream are colluding to make consumers engage in loans with interest rates higher than warranted. This seems to be especially compelling considering I have already paid a down payment on the vehicle and need the auto loan or risk forfeiting the vehicle and would be out the down payment for a vehicle I have driven for less than one month.
Hello, I am having trouble with the collection company that is listed below. Their claim is that I owe them but I have never done any business with the company they claim that I owe. I have submitted letters requesting that they send me out information ( contracts showing my signature, a copy of my identification ), but the company failed to do so. I am tired of them harassing me about a debt that I never accumulated. Please help me with this company because Im so sick of them constantly harrassing me all time of the day and the constant contact at my employment ( I have told them to stop calling me at my place of employment, but they continue to do so ). Their false claim is damaging my reputation and is damaging my credit. 

COMPANY NAME : AD ASTRA RECOVERY SERVICE AMOUNT CLAIM TO OWE : {$470.00}
I attended a technical institute in NJ and took out a loan thru XXXX. I was sent to collection. Transworld Systems Inc has sent me an attempt to collect a debt. I am trying to pay my debt of {$10000.00} but they are charging me {$2600.00} as a collection charge. That is nearly 25 % of my debt. This seems outrageous for a struggling economy to charge that much.
THIS IS A CONSISTENT PROBLEM THAT I 'M CONTINUING TO HAVE. ON XXXX AND XXXX, MY BANK ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY A COMPANY CALLED XXXX. I NEVER RECIEVED THE MERCHANDISED I PURCHASED AND I FILED A DISPUTE WITH MY BANK FOR THE CHARGES. AND I WAS CREDITED BACK THE XXXX ON XXXX. I RECIEVED A LETTER FROM NY BANK STATING THAT ON XXXX, THE XXXX WILL BE DEBITED BACK FROM MY ACCOUNT AND THE CREDIT WILL BE REVERSED. THIS IS UNACCEPTABLE AND I WANT AN INVESTIGATION INTO THE MATTER. I SHOULD NOT BE PENALIZED FOR MERCHANDISE I NEVER RECIEVED. THIS IS VERY DISTURBING AND I 'VE HAD PEOBLEMS WITH BANK OF AMERICA BEFORE REGARDING ISSUES LIKE THIS BEFORE.
XXXX XXXX XXXX attorney continued to proceed with a collection lawsuit after defendant attorney notified them of bankruptcy filing. 
School : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX ( now closed ) Private student loan owned by XXXX XXXX XXXX in collections. 
Attorneys representing XXXX. XXXX XXXX and XXXX ( XXXX ) & XXXX XXXX ( XXXX XXXX ) XXXX Filed a complaint ( wrong venue ) in XXXX XXXX XXXX Circuit Court XXXX XXXX at a former address I had not lived in in almost three years. Lived in XXXX XXXX 2 years after then reloca ted to XXXX. Alleged Debt was incurred in XXXX County XXXX, not in XXXX County XXXX 
Issues:1. XXXX willfully initiated a collecton lawsuit in a county of non residence of defendant, and in the wrong county where the alleged debt was incurred. XXXX willfully served the defendant at an older address in hopes the defendant would not find out about the lawsuit and obtain a judgement without the defendants knowledge. 
2. Defendant filed for bankruptcy protection days prior to the motions hearing. Both the XXXX County Circuit Court and plaintiff attorney were notified prior to hearings about the bankruptcy filing and all collection activity must stop. 
3. XXXX attorney still went forward after notification to obtain a judgement ruling after being notified. The defendant showed up at the hearing and presented the notice with bbankruptcy attorneys letterhead to the judge presiding over the case on Friday XXXX XXXX XXXX. The Judge ordered a XXXX monthccontinuance upon verification of my bankruptcy case. The plaintiff attorney was given a copy of the letter from my bankruptcy attorney advising of the filing prior to the motions hearing.
On XX/XX/2018, opened account and funded the account from an external account totaling over {$50000.00}. On XX/XX/2018, I logged into my online banking to see a very small notice that my account was on hold and that I should contact bank. I contacted bank on XX/XX/2018, and spoke to a representative who informed me that two transfers had been reversed. Transfer dates were on XX/XX/2018 and XX/XX/2018. Funds were transferred back to the account in which the initial account funding took place on XX/XX/2018. During the call on XX/XX/2018, I informed rep that the transfer reversals need to be cancelled immediately as the funds were no longer being held in the external account, and that this would result in returned item fees and NSF fees at the bank the funds were already transfer to, had cleared, and been made available to me. The representative refused to cancel the transfer reversals and advised that no one at the Bank would be able to do anything about this problem. This is problematic because I received NO notification that the transfers were being reversed and have now been charged with the fees at the external institution.
My son has multiple XXXX problems and gives my number for XXXX contact but I have nothing to do with his bill payment. I have received calls from the collection agency and have repeatedly told them this is MY number not his but I continue to get calls. This XXXX went to my answering machine " Monday XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX seconds " Please call us at XXXX. Our office is open Monday through Thursday from XXXX XXXX to XXXX XXXX XXXX. Friday from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX and Saturday XXXX XXXX to XXXX XXXX XXXX. Thank you. '' This one did not leave any indication about it being debt collection but others have come in on my phone when I have had guests in my house who overhear these messages much to my embarrassment.
The information on this website is misleading. 
https : //www.navient.com/loan-customers/interest-and-taxes/how-to-calculate-your-interest/ # Your current principal balance The number of days since your last payment Interest rate factor = interest rate 365.25 ( number of days in a year ) = Your daily interest rate It should read ( Interest rate / 365.25 ) x current principal balance = your daily interest rate
Bank of America had me on a trial payment for my home equity loan # XXXX which was {$250.00} I made all my trial pymnts starting XXXX 2015 today I rec 'd my form stating it is now going to be {$390.00} when I spoke to XXXX XXXX he stated boa did n't take into consideration of unpaid interest when they set it up in the beginning. Now I get papers to redo my mrtg which I never asked to do and they have it that I own rental property which I do not.
Portfolio Recovery calls from hundreds of different numbers which do not leave messages. I never answer calls on my cellphone from numbers I do not know, but I XXXX search them after the call and always find them to be from Portfolio Recovery. I receive at least 2 calls  a day in this way, never leaving a message.
On XX/XX/XXXX, I placed a call with Lexis Nexis, opening a dispute, regarding reporting that included incorrect additional drivers at my home address, my incorrect address located on the reporting, addresses associated with my name and information where I had never lived, identification records listing information that was not mine ( this information was my mother 's and I also informed them of that ), and watercraft records with information that was not mine, nor were they related to me ( this information was also my mother 's and I informed them of that as well ). Lexis Nexis informed me they would have all items fixed and send me a new report with all corrections made. They also informed me they would communicate all of this to the companies they received this information from. 

On XX/XX/XXXX, I received updated paperwork which STILL included identification records listing information that was not mine ( this information was my mother 's ), and watercraft records with information that was not mine, nor were they related to me ( this information was also my mother 's ). 

On XX/XX/XXXX, I placed ANOTHER call with Lexis Nexis, re-disputing the incorrect information I received on XX/XX/XXXX, informing them AGAIN that their reporting included identification records listing information that was not mine ( this information was my mother 's and I informed them of that AGAIN ), and watercraft records with information that was not mine, nor were they related to me ( this information was also my mother 's and I informed them of that AGAIN ). Lexis Nexis informed me they had made a mistake, the notes on my account stated this information should have been removed, and they would have all items fixed and send me another new report with all corrections made. They also informed me they would communicate all of this to the companies they received this information from, AGAIN. 

On XX/XX/XXXX, I received updated paperwork which STILL included identification records listing information that was not mine ( this information was STILL my mother 's ), and watercraft records with information that was not mine, nor were they related to me ( this information was also STILL my mother 's ).
Bank of America has been manipulating my checks into my bank account. 
Causing overdaraft fees. This is highly illegal as well as unethical!
My grandmother XXXX in XX/XX/2016. My in laws are now all getting calls from XXXX trying to locate the executor and get paid for a debt my grandmother held. These people are in no relation to her nor am I even the person to contact for this let alone my in laws. 

They called her and hassled her making my XXXX very uncomfortable.
Equifax has failed to respond back since my XXXX dispute dated XXXX XXXX, 2015. I followed up with a XXXX letter dated XXXX XXXX, 2015 and the failed to respond as well.
I received a phone call from a debt collection company called " Summit Receivables '' located in Nevada. They claim they are collecting on a debt from a company that I did not recall taking a payday loan. I have paid many of these pay day loans off and validation of payment. I requested a written validation of debt letter to be sent to my home. They wanted payment over the phone via a credit card. I will pay the debt but will not do so over the phone with a credit card without a validation of debt.
I have a Kohl 's credit account. After making payment, there was a credit of {$25.00}. Which was indicated on my next statement. Since then we have received XXXX statements that say " your account has a credit balance. You may apply this against future purchases or we will automatically send you a refund check within XXXX days. '' We never received a refund check so we called and were told by rep. that it is not XXXX days. To which it is already that too. Even though this issue is not affecting our credit, it is very frustrating as a consumer that if we do this we are charged a penalty wherein they can take as long as they want to send the refund even though it is stated XXXX days.
For the last 12 months or so, I have noticed theres clearly fraud happening with my account, charge I dont recognize, purchases, you name it. I have filed multiple claims and changed cards multiple times and even changed my checking account information. 

I DO NOT give my card to anyone, but in restaurants and the ocasional online purchases. Im 100 % sure I have been victim or fraud and someone is literally picking me to steal. 

The drop that spilled the milk was that theres was a {$21.00} and change charge coming in every month for 6 months that even caused overdrafts a couple of times. I didnt noticed, Im a busy single mom of XXXX that works her XXXX off to put food on their table. So when I noticed what was going on I called the Regions Bank and explained, we cancelled the card and they advised they filed the dispute. But I also called the company charging me and told them to stop and to give me my money back. They said theyll give me a refund for all charges, but they stated that the card needed to be updated for that to happened, so I naively followed their steps and updated my card on their system so they coul refund the money as it turns out the very next day I get another charge, then 2 days later they refunded 2 amounts of {$29.00} each. I didnt know where they got that amount from, but after I saw I printed the statements and realized they charged that amount once too. 

So I decided to call the bank and explain just to find out they denied the claim, then I called the company again and conferenced them in to each other, just to hear them say they never cancelled anything ... How if asking you to refund me, you didnt close whatever I didnt know it was open? Thats why supposedly I got charged after updating my card on their system. The bank lady filed another claim and the dude finally closed whatever was open. 

They said that if it wasnt me, how my email was in there? I literally said, I dont know, how is your information fitting in? I dont know either! 

But Im just tired of being robbed! 

Please help.
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I sent letters to XXXX Equifax and XXXX asking them to verify and validate XXXX XXXX for two accounts with different balances but the same account number. I was never informed about the debt and didnt ever know that it existed. Both are under account number XXXX balances of XXXX and XXXX. I was sent a letter that say account were verified but with no proof of documentation that I asked for.
XXXX XXXX, 2017 amount {$1900.00} I was basely robbed by PNC bank. I had an accounts one with my son, and another with my daughter when she attended college a few years pass. In searching for a job this year she was caught up in scam, which sent her a check in the amount of {$1900.00} and told her she had to send back portion of the check because, another person needed to purchase stuff need for the operation, which she did. The bank took the check and gave her credit for the money and added it to her account. The next day PNC took all the money out of her account and the money from my son account but, her name were not on his account.
To whom   it may concern, A blight is on my credit and yet the verification is simply a years billing no proof of contract nothing.
The existence of a bill does not verify the debt.
The issue with them is not resolved it is about Monthly billing fee is not the {$49.00} promised. But somewhere around {$69.00} monthly. They asked me to lock in a 2-year contract for a higher some and I refused repeatedly saying I would shop for a {$50.00} affordable plan if it went up not pay more to lock in a price.     the fraudulent billing of my bank account ( They promised to just run a {$1.00} in verification we had accounts and were credit worthy not take a {$99.00} fee we still do not know what is for because they never said and we were promised free set up and installation. ( found fraudulent and returned by the bank. ) ) ****See the bank letter. They later found it fraud and returned the money but we had to close the account because they could not guarantee it not happening again.   and lastly the length of terms in the face of the incorrect monthly billing. I see no contract that says they can bill me for a year. Nor did I agree to   one at all. I said no to the 2 year and said no repeatedly to any contracts.
When they recorded the transaction, I interrupted the recording to say the cost, the promised free set up, and that they would only charge a $   XXXX   to the account which all should have been recorded. Those are the things I insisted on saying instead just saying yes to the recorded questions which did not include those details. I inserted the offered costs and promises.
They kept the rights to the collection but hired an outside agency to collect this last year which I served certified mail on with these facts and my evidences. They then sent a letter through that collection agency AFNI they were done withdrawing and removing from my credit. Problem solved co  rrect? No now they hired a different agency still working for them  XXXX  and were starting all over again like I never disputed or sent proof or complained or discussed. If they representative says there done, then it should be done this is in of itself its own abuse.   Essential point they are being taken to small claims court we are done. in the meantime, the debt is indeed not verified they have not verified any agreement to cost or length of service. Therefore, I am once again writing to you the credit reporting agencies remove this fraud or be included in the suit. You are responsible to the people you are reporting on not just to take the word of the companies reporting. I am including proof they were held liable for fraudulent b  illing in the State of Florida therefore making it clear to you, the reporting agencies, you can not rely on their word to report on my credit. Otherwise you are culpable with them for any harm done.
Proof again of the fraud on the bank account, the liability in the state of Florida, and emails to them trying to discuss this is included. They never had a manager contact me or discuss this.
On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from capital one on XX/XX/XXXX XX/XX/XXXX and XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard  inquiries on my credit report which is affecting my credit score
REVENUE RECOVERY CORPORATION XXXX I have a a unverified account fromREVENUE RECOVERY CORP. I had previously disputed this account. I have never done business with REVENUE RECOVERY CORP Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt REVENUE RECOVERY CORP and I believe it is a HIPPA Act violation. I request that REVENUE RECOVERY CORP Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that REVENUE RECOVERY CORP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumberXXXX