WillisBack/dataset-financial-user-claim huggingface dataset:
Speedy Cash stopped the payday loans and changed to the installment loans which are more expensive. They told me that Mississippi doesnt allow payment plans. If your payment is due on a certain day they could move it up by 4 days but it doesnt help if that 4th day is not a payday. I have paid so many overdraft and bank fees until I feel ashame and stupid. I needed the money but once you get it its hard to get rid of it. I dont understand whats hard about reasonable payment arrangements. Your 4 day extension is not realistic to customers.
I have disputed several times a bunch of inaccurate data that is only listed on my Equifax credit file. No response and no corrections. Please help XXXX XXXX XXXX Please remove not nor ever been my name. 
XXXX XXXX XXXX XXXX XXXX Clearly this is a duplication listed with no verification and outdated also, please remove this listing XXXX XXXX XXXX XXXX XXXX There is no money owed to this company as you are reporting delete this from your files due to the inaccurate information FAIR COLLECTIONS & O XXXX This should not be reporting as a collection it was paid and this needs to be removed XXXX. XXXX XXXX - XXXX Account was paid with the original creditor, this is inaccurate data please remove as this is a violation XXXX XXXX XXXX Remove this false information, it was paid and should not be reporting as a collection XXXX XXXX No collection exist with this agency please deleted this inaccurate data listed
I attended to XXXX College - XXXX XXXX and was advised by XXXX XXXX XXXX to take a private loan. This loan ( s ) has been sold to different asset management companies. The latest is XXXX XXXX XXXX who bought the loan and is currently the owner of it. Now, regardless who the owner of loan is, the manager of this account has always been XXXX , XXXX to whom I've been on a payment plan for awhile ( automated monthly payments are taken out of my credit card ) even though am on a payment plan with XXXX , XXXX XXXX XXXX XXXX ( new owner of the loan ) has reported my accounts ( 2 student loans ) to  collections. They do not honor the payment plan with XXXX , XXXX even after they became owners of the loan I was notified that XXXX , XXXX will continue to manage the loans and the my payment plan with remain in good standing for 12 more months.. I filed disputes with 3 major credit bureaus and they denied my request to remove negative collection information from my credit report because XXXX XXXX XXXX does not honor the payment play they notified me in writing about at the time they bought the student loan.
On my XXXX credit report, there is Capitol One/XXXX XXXX credit card which reports : " Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX ''. This can not be possible, since the Date Closed was XX/XX/XXXX and Last Payment Made was XX/XX/XXXX. 

I disputed the information through XXXX, stating that the late payment information was incorrect. This dispute was " resolved '' by the company stating that the information was correct, without any documentation or evidence. 

A dispute into adverse information should have to be resolved by proper documentation. XXXX should not report adverse information ( especially after a dispute ) in which a company simply states is correct. If the company can not prove the late payments, they should be dropped. 

I then contacted the company ( Capitol One ) and was told that my account had been sold and that there was no records of my account history. XXXX, who the account was sold to, could not help me either, since they were not the reporting party. I am stuck between two companies, neither of which have any willingness to help.
In XXXX, I had a contractor come out to the house to give me a quote on fixing the roof. We had some damage to the ceiling, and wanted the roof fixed before having the interior fixed. After examining the roof, the contractor said we needed a whole new roof and recommended we file an insurance claim since the damage had caused by weather. I filed a claim with my insurance company, XXXX XXXX XXXX, and had the contractor schedule us for the new roof, since we did not want to take the chance of further damage to the interior. XXXX XXXX processed our claim quickly, dispatched an adjuster, and processed the claim. In the meantime, our contractor put on a new roof. When the claims check arrived, in addition to me, the check was also made out to XXXX XXXX XXXX and Huntington Mortgage, the lenders. I understand why they were included. XXXX XXXX XXXX was most gracious and was quickly able to arrange for endorsement of the check. Huntington, quite simple, is terrible. When I called, I was told they had MAIL me a packet of information that I had to complete, and that would take 7 days for me to receive. It actually took XXXX. What I received was a letter telling me they were n't going to pay for the roof ( WHAT? ) along with instructions to MAIL the insurance check, unendorsed, something else, and an affadavit that was supposed to be enclosed ( it was n't ). I immediate called them and, of course, got no one and had to leave a message. I 'm sure it will be next week if anyone returns my call at all. Surely, there must be, if not a law at least a rule against a bank holding my claims check hostage?
When I was late with payment to Discover, a representative called and got me to schedule a payment on my next regular payment date. Still underemployed, I ca n't afford to make the payment this month. The Discover web site says " Payments made online or by phone must be edited or canceled by XXXX XXXX on the payment posting date for changes to take effect. ". Since I arranged this payment by phone, I assumed I would be able to cancel the scheduled payment on the payment posting date, but the representative claimed she could not cancel it. Now I 'll have to pay my bank {$35.00} to stop payment. The information from my bank details this payment as " Phone Pay '' The following is transcript of chat with representative : XXXX : at XXXXXXXXWe submit the payments electronically to your bank on the date the payment is scheduled for. Once submitted, your bank takes over the payment and depending on how they process the payment will determine when the payment will hit the account. We do not have control over this. 
you : at XXXXXXXXThe web site says " Payments made online or by phone must be edited or canceled by XXXX XXXX on the payment posting date for changes to take effect. '' I find it hard to believe this payment ca n't be edited or cancelled also, since today is the payment posting date. 
XXXX : at XXXXXXXXYour payment was scheduled by a representative, not through the website. 
you : at XXXXXXXXThat does n't explain why you, a repersentative, ca n't cancel it. 
XXXX : at XXXXXXXXThe payment has already been processed. Once processed, they can not be canceled.
I had an issue with Wells Fargo and their ACH Payment system. 
The first payment ACH was set for the minimum payment. But they charged me the full amount. This happened on XXXX/XXXX/16. I called them about it and they fixed it. And the automatic payment was XXXX after-that. However, they made another attempt AGAIN on XXXX/XXXX/16. I called them yet again and they said they fixed it. BUT on XXXX/XXXX/16, they tried again. Therefore, I have XXXX insufficient item. I did not authorize the second and third payment! OTher people are having this problem and Wells- fargo even though I called them XXXX, IT DID NOT GET fixed when they said it did.
I tried to get a XXXX contract phone they called a number for credit check the machine said I had a mortgage in my name and there should n't be
XXXX XXXX XXXX, they bought a XX/XX/XXXX credit cards for XXXX XXXX, in XX/XX/XXXX, XXXX XXXX XXXX report the credit company that I open a accounted with back in XX/XX/XXXX and they report that i have owned the account that shouldn't have in credit report I have contacted and they said they sue for a debt.. the accounted is from XX/XX/XXXX.. not XX/XX/XXXX
I bank at capital one 360 and I had XXXX credit cards through them as well. They have in the last two months just withdrawn first in XXXX {$170.00} and then in XXXX {$190.00}, Which I did not authorize them to do. I have called 6 times in the last few weeks to get it straightened out.However, each time i am told that it will take 5 days to send back. I then wait 5 days and nothing happens. So I call back and get the same dog and pony show as the time before. I have all the chat messages saved as well as the last phone call which i was put on hold for 30 mins and was on the phone for almost 3 hours which i talked to 6 different people and had reexplain 6 times why i was transferred, I did not authorize them to take the money and this last call she said i would not receive money back even though i have a transaction code from them ( Screen shotted from there own chat ) saying that the money was sent back to me which never happened.
I signed up with Experian Credit tracker ( phone number XXXX ) on a trial basis thru an ad. They took XXXX a month from my checking account for 9 months without my knowledge. There ad and the way it is presented is misleading and I received nothing to let me know the money was being withdrawn monthly. I noticed it when doing a general review of my account. I telephoned they cancelled the service but of course refused to refund any money. There business practice is deceitful and manipulative. They pretend to service a customer need when in reality set the customer up for recurring monthly charges for a service not used and not aware of.
The phone calls need to stop. 

First call : XX/XX/XXXX. I was working. Ignored. 
Second call : XX/XX/XXXX. I was working. Ignored. 
Third call : XX/XX/XXXX. I was working. At this point I was going to tell them to leave me alone. 
Fourth call : XX/XX/XXXX. I was working, but I told them to stop calling me especially during work hours. 
Fifth call : XX/XX/XXXX. At this point I told them if they called me again I was going to report them because I am on the donotcall list and I requested to be left alone. 

They called again twice today at XXXX XXXX. No response, I ignored them.
On Friday, XX/XX/XXXX, XXXX XXXX of Eagle Recovery Services ( XXXX ) called me aggressively demanding my banking information to settle a debt they were handling in regards to the Emergency Physician 's Bill from XX/XX/XXXX when I went to the Emergency Room at XXXX Hospital in XXXX, MI. XXXX XXXX continued to threaten that if I did not settle the full amount of {$400.00} that they would " pursue legal action ''. XXXX refused to express what actions were considered as " legal action '' and made it very difficult to get information regarding the debt. I asked XXXX times where the debt was incurred and who the debt was owed to. After expressing, " it should n't be this hard-you should not be this difficult because this debt is from XX/XX/XXXX, you need to give me your routing and account number '' he reluctantly gave me the contact info for XXXX XXXX and his office. He refused to give me his official title, the times and dates of contact, and the location of Eagle Recovery Services. I called him again today, Wednesday, XXXX XXXX to set up a payment plan to settle the debt and he stated that that was not an option because the company that issued it demands that it be paid by XXXX XXXX or they will pursue legal action. He refused to accommodate me in setting up payments to settle the debt. I then asked again what legal action entailed, he stated " I am not a lawyer, I can not give you that information, you just have to pay it by the XXXX or they will pursue legal action ''. He continued to be very aggressive as I asked him what would happen if I requested to stop the payment and responded, " then they will pursue legal action ''. I expressed that I was highly dissatisfied with how this situation has been handled. He has repeatedly retorted that I had been contacted XXXX times regarding this account. I have not received a letter regarding this account. When the agency called, the caller ID showed " restricted '' and they did not leave voice mails and if they did they were very vague and I do not recognize them in it. Today, I again asked XXXX XXXX for the times of contact. He stated that the Eagle Recovery Service mailed a letter on XXXX XXXX and XX/XX/XXXX. He further stated that they called on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. XXXX XXXX refused to give the dates that the company that reported the debt contacted me. If I was properly notified of this debt and how to dispute it or resolve it, I would have settled it at an earlier date. I feel extremely threatened and upset regarding this matter. Because I am scared of legal pursuits that XXXX XXXX threatened me with, a payment of {$400.00} ( more than half of my monthly income as a student ) will come out of my XXXX account tomorrow, XX/XX/XXXX, after XXXX XXXX demanded and coerced that I give him said routing and account information. I did notify XXXX XXXX that I would be filing this complaint today.
On XX/XX/XXXX I wrote a check {$110.00} ( check # XXXX ) from my citibank checking acc. to the  XXXX XXXX XXXX ( XXXX ) on behalf of my brother XXXX XXXX ( he is unemployment since XX/XX/XXXX and i am willing to let him borrow my money and support him daily basics including his passport processing fees ). On XX/XX/XXXX the XXXX send him a letter to deny the process his application because he owe child support. My brother called child support, and they ask him to pay about $ XXXX/month since XX/XX/XXXX while he is unemployment. The child support did not accept the fact that he is unemployment since XX/XX/XXXX. They enforce him to pay the old Court order with the amount when he was employed. Since his passport application was denied, the XXXX cashed the amount {$110.00} from my checking account on XX/XX/XXXX. We called the XXXX to ask for the refund, but the XXXX can not do the refund. We called the Citibank can not do either since the check withdraw in cash direct from the bank. I talked to the representative XXXX dispute units ID XXXX. If the XXXX can not provide the service, the check should not be cashed out from my bank.
United Revenue Corporation reporting XXXX accounts to my XXXX credit report that do not belong to me.
XXXX  I submitted a dispute in regards to inaccurate reporting a charge off by   XXXX  in th e amount of {$76.00} and a past due amount of {$76.00} and I asked them to validate the debt belonged to me  XXXX  Disputed this account with  XXXX  and Experian  XXXX  Received an account summary from  XXXX  for dates   XXXX   thru  XX/XX/XXXX   XX/XX/XXXX -I received Experian investigation results  showing a ccount updated   XXXX   XXXX  I received    XXXX    investigation  results showing that the account was updated  XXXX  I sent another letter  XXXX ,   XXXX   and Experian  asking that they send me pr ovide me with viable proof that this debt was mine  XXXX  Recieved  the same exact letter from them with the account summary from  XXXX    XXXX   XXXX  Received letter from   XXXX   stated the account was still  being v erified as correct and no validation or proof was sent that this debt belongs to me
I requested a payoff only to find that it is {$16000.00} though the car sold for $ {$23000.00} and I put {$8000.00} cash and have payed XXXX payments at {$52000.00}. I wastold that XXXX held most of the {$8000.00} and because I make a great deal of payments early before my due date most of it goes toward interest opposed to the principal.
Friday ..XX/XX/XXXX I went to the TCF Bank at XXXX XXXX XXXX. XXXX   XXXX, MN XXXX. I had a rent check from tenants for {$1300.00}. The check from the tenants was a TCF check. I asked the teller to check to make sure the check was good. The teller verified that there were plenty of funds in my tenants TCF checking account. I told her I will put it into my savings account in lieu of cashing it. Will this be an immediate transfer. She affirmed it was. ... I went to the XXXX XXXX Branch of XXXX XXXX which was located on the corner of XXXX XXXX XXXX XXXX XXXX on Monday XX/XX/XXXX. I asked if the check was cleared. The teller said yes. I removed the funds of {$1300.00} The teller gave me cash.. On Friday XXXX. I received a letter from TCF saying my account was over drawn on XX/XX/XXXX. I went back to the XXXX XXXX location, XX/XX/XXXX : The teller told me they made a mistake and should have completed transfere of the funds on Friday.. That my only option was to call customer service.. I tried that but only got excuses. Then TCF closed my account and transferred the so called debt to a debt collector. They have file on my credit report. TCF Bank has never returned my original check. So I could never go further with action with this case.
Re : Account #  XXXX  To Whom It May Concern, I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.
this complaint has already been received by the customer assistance case number.XXXX,,,,, XXXX XXXX XXXX XXXX these people sent me a letter XX/XX/XXXX saying they turned everything over to your company.. and today,, XX/XX/XXXX,,, i was told us bank had till XX/XX/XXXX to respond and they were to send a email to.. XXXX ... ... ... .... i did not receive this email so i would like you to send it again.. thank you XXXX XXXX,, i will call tomorrow
I've had this secured credit card with wells fargo for almost 3 years and never have they ever offered to increase my limit! I've been a customer since 2007 and I've been making my payments and doing my best to keep it under the limit. I've paid the card off several times and still no increase in credit limits. I was told before applying if I pay on time for 6 months my limit would increase. It's been 3 years where the XXXX is my credit limit increase?
I reported a complaint to the CFPB back on XX/XX/XXXX regarding XXXX, XXXX and Experian reporting an account that did not belong to me from XXXX XXXX XXXX under account # XXXX. I sent in the police report and identity theft report with that dispute. XXXX and XXXX deleted the account but Experian did not. This account was filed under identity theft and I demand that it be removed immediately, Experian should be following suit with XXXX and XXXX. This account does not belong to me. My rights are being violated by them not following suit with the other bureaus. I demand action please immediately.
Experian is reporting a collection account on my credit file from XXXX in the amount of {$1200.00}. The account was disputed in 2014 directly with the collection agency and it was deleted ( in 2014 ) this account is now being re-reported on my credit file. As i said previously in the 1st dispute this account is not mine, and i have no knowledge of it. I was never given a DV and i would like this account deleted from my credit file again and for good.
On  XXXX   XXXX  I received notice that  Loancare ha d conducted an escrow " review '' and determined that my monthly escrow payment needed to increase from {$750.00} to {$930.00}. I found this to be odd, and excessive, and sure enough, after doing the math myself, I calculated that I 'd overpay them by about {$2300.00} annually with this increase.     Within a few days I contacted Loancare by phone to argue these additional charges. I was told to submit a written reques t (  email acceptable ) with supporting information. I submitted information stating that our home was now under a " principal residence exemption '' thus lowering our tax obligation. I also included historical statements approximating our tax liability from when the home was under this exemption with the previous owners. This information was not deemed good enough, so they refused to reassess the monthly escrow contribution.     At this time, feeling that giving Loancare an interest free loan was not in my best interests, I requested to eliminate my escrow account altogether as it 's not difficult to pay  two tax bills and one in surance bill annually. I was just informed that they 've denied my request to eliminate my escrow account.     To summarize, in my judgement, they 've poorly reassessed my escrow payment, causing me to overpay them by thousands of dollars annually. Thousands of dollars that should be in my bank account earning interest. Seeing eliminating the escrow account as an easy way to solve this problem, I 've requested that, but somehow they 've seen fit to deny that as well.
JUST RECENTLY MACDOWELL & ASSOCIATES ( ON BEHALF XXXX XXXX XXXX ) FILED A WAGE GARNISHEDMENT, ON A DEBT THAT WAS OVER 1O YEARS OLD. I WAS IMPROPERLY NOTIFIED, AND WASN'T ABLE TO DEFEND MYSELF IN COURT TILL IT WAS TOO LATE. 

PRIOR TO THEM FILLING THE WAGE GARNISHMENT, THEY ALREADY RECIEVED {$3100.00} ; WHICH WAS THE PRINCIPAL OF THE DEBT. HOWEVER, NOW THEY ARE COMING AFTER ME FOR MORE MONEY.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late XX/XX/XXXX and XX/XX/XXXX, 60 days late XX/XX/XXXX, 90 days late XX/XX/XXXX, 120 days late XX/XX/XXXX, 150 days late XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have filied a complaint with this company with your cimpany saying that I never did business with Portfolio Recovery and thier attemps to collect a debt I dont not owe them, and to stop all attempts to collect on this debt that I do not owe this company and after filing a complaint against them through the CFPB is was resolved and should be in your files. This morning they ( Portfolio Recovery ) reported this same collection on to my credit file dropping my credit score from XXXX to XXXX while Im in the process of aquiring funding for a start up business. This company needs to remove this account immediately from my credit file and stop all attemps of trying to collect on this account. I have never done business with this company.
XXXX XXXX XXXX XXXXXXXX has about 3 different hard inquiries on my credit report, but they should be soft inquiries. Tried calling this company, and no one answers -- just leave you on the phone stating you can wait but they are extremely busy at the time.
Personal formation stolen from Department of Veterans Affairs. 
Many attempts to gain credit cards by hacker caused hard hits on my credit report.
TransUnion and XXXX continues to respond that they have verified and inaccurate bankruptcy on reporting on the file they maintain under my social security number. I have provided proper identification according to FCRA 610 ( a ) ( i ) which is my notarized social security card, passport, and utility bills ( see attached ). 

Therefore I have filed a standardized affidavit of identity theft FTC report ( attached ) in compliance of FCRA 609 ( d ) ( 1 ). I made both companies aware that according to FCRA 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification any and all accounts they report on my credit report. Otherwise anyone paying for their report services could fax, mail, or email in fraudulent information. 

The letter from the courthouse both companies listed is attached states that it did not provide either companies with my full social according to section 1681 ( a ) ( 5 ), making this a violation of my privacy laws of the FCRA and identity. 

XXXX XXXX v. XXXX XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is  noncompliance and unverifiable.