WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX in XXXX XXXX Wisconsin from whom I purchased a desk top computer and returned for service assured me they would be able to fix the problem I was having and after many attempts I took it back to them for further analysis and fixing. They eventually after several contacts told me they would have to send it to their service center which they did and contacted me several days later telling me they would charge an additional {$750.00} to repair which happened to be a factory defect ( a defective program interfacing with the 'touch screen ' ) I called the XXXX factory technical department and was told by they to have the XXXX XXXX XXXX XXXX service center return it to their store where I would need to pick it up and resend it to the XXXX. Service Center. They told me I was being 'grossly ' overcharged by XXXX XXXX   and appeared I was being 'stiffed ' by them for more than double their estimated cost of repair. Charges by XXXX XXXX were disputed by me for an amount of {$190.00} which were in addition to charges of {$210.00} I disputed earlier and successfully defended by American Express. I have a full set of notes regarding the experience I had with XXXX XXXX and recently cancelled my in store cresit card with them since I refuse to do any further business with them.
I use an app called XXXX and the app is great ... lets me borrow money and send the money into my account within seconds. The problem is TD BANK, they take forever to send XXXX my updated account balance, causing me to wait long for money. When they do update it a lot of times it 's wrong. Like it will say I have " XXXX dollars in my account. My balance has n't been {$30.00} for about 4 days now ... ...
XXXX XXXX is marketing for Keller  Mortgage in a non compliant and deceptive manner. I have attached and ad found on Facebook. This is from a XXXX XXXX agent and is marketing Keller Mortgage without stating who is co-marketing ( Agent is paying 100 % of the marketing to generate the leads for mortgage ). Savings are being offered but not disclosed where those come from and who is providing them. The ad fails to mention there are ZERO savings if you don't use a XXXX XXXX XXXX and still use Keller Mortgage. The ad fails to disclose there are ZERO savings if the mortgage is under {$150000.00} ( Disparate Impact ).
I rarely use my Bank America XXXX credit card. I used it once in XXXX ( I believe ) to buy gas for roughly {$30.00}. Because I use it infrequently, I did not recall that I had used it for one purchase. 

I did not realize that this small amount was outstanding because I did not receive a statement, nor did I receive any call, e-mail or text from Bank America. 

After approximately 30 days, they sent me an e-mail that asked me to call them in a very casual way, but did not mention that there was any issue. I called them immediately. After being informed that a small balance was outstanding, I paid them instantly. 

I later discovered that Bank America had filed a notice of 30+ days late with the major credit agencies, which reduced my credit rating. I called back and asked them to remove this since I had n't received notification, it was a small amount, and it was paid immediately. They submitted that request on my behalf and told me I 'd receive a written decision within 7-10 business days. 

I did not receive a written decision so I called Bank America. The woman told me that Bank America had found in my favor and that the adverse credit report would be removed. She said that I would receive a letter shortly stating this. 

When I did n't receive the letter ( again ) after a reasonable time, I called Bank America. This time, I was told that they had found against me and were refusing to remove the report. They said that they had sent multiple statements, but I told them that obviously I did n't receive them or I would have immediately paid such a small amount in full. 

Bank American admitted that other than the statement ( s ), they had made no effort to call me, to text me, or to contact me by e-mail. I asked why that was and the supervisor said, " You may not have given us consent to contact you ''. I did n't think that made a lot of sense. 

In my condo complex, we have over XXXX units and it 's not uncommon for mail to be misdirected. However, I can not say why I did not receive the statement. 

I 'd like these negative reports removed. I have acted in good faith and have immediately paid this small bill upon discovering that it was outstanding. I feel that Bank America did not make reasonable efforts to inform me of the outstanding bill and they provided false and misleading information when directly stating that the issue was resolved in my favor. Presumably that call was recorded.
Near the end of XX/XX/XXXX I experienced Identity Theft on 2 of my accounts through Capital One. Capital One allowed the individual ( s ) to change my address and billing info with no verification, but because I bank online I was able to see the fraud quickly and reported to capital one. Fraud took place in South Carolina and I live in New Jersey. I believed the incident was resolved. I paid off one of my accounts IN FULL in XX/XX/XXXX. Unbeknownst to me I was being assessed a XXXX dollar monthly fee. Simultaneously I was locked out of my online account and was never sent a paper bill. I was assessed a greater than 30 day late payment on my credit " which is how I knew about the issue ''. I have never had a greater than 30 day late payment with capital one. My account till this day is restricted. I have sent in numerous documents including utility bills, tax returns, license, and SS. I was called on yesterday and told I would have to send in my license and SS again although I was told on Friday that they have it on file. What I would like to happen is that Capital One deletes the greater than 30 day late as the account was paid in full and I was never notified of this XXXX dollar monthly fee. I ask that they un-restrict my account as I have 2 other accounts with them that are unrestricted that reflect my current information. I truly believe the account compromise is due to a lack of security on the part of Capital One. I have spoken to several other people that I know personally that have had Capital One and their accounts compromised. I have tried to be patient and GIVE THEM ALL THE DOCUMENTATION they have requested, but I am reaching my patience limit with them and plan on taking my business elsewhere and closing those accounts completely. I look for assistance in this matter. 

Best Regards, XXXX XXXX
my car was financed with bank of the west and i totaled my car but i took out gap insurance with the purchase with XXXX., but they want a payment history and bank of the west stated that they would fax to them so that the balance of the loan could be paid off but instead they are sending me a payment history which i already have from the checks that i sent bank of the west they are just trying to delay the process of get the loan paid off.
XXXX XXXX XXXX XXXX of XXXX, Virginia attempted to confiscate my Federal Student loans which were twice the amount that was owed originally. The account doubled in two to three months. This was in XX/XX/XXXX. They won a judgement against me in XX/XX/XXXX by misinforming me why my account originally went to collections. This led to them drawing from my checking account for roughly the amount I told them I would be receiving in financial aid and right when I told them I would begin to receive it. XXXX also set up a date for a settlement that I did not agree to, then sent me a letter saying I missed the payment followed by filling for a judgement. I have n't had any communication from them in three years.When I went to refinance my house in XX/XX/XXXX, they showed up and say that I owe them XXXX XXXX dollars in interest on a loan that was roughly XXXX dollars. Through garnishments, they have collected nearly 11 thousand dollars. The garnishments stopped in XX/XX/XXXX. The damage caused by this company has endured for close to a decade creating health issues and financial hardships. Not to mention physical damage to my house while they were garnishing my wages in the middle of winter and the heat went out. XXXX refuses to negotiate a reasonable settlement and keeps demanding paperwork that no longer exists for my home refinance that is no longer going to happen. It took 3 years for them to provide paperwork related to the account as to why it went to collections. Upon review of the details, it showed that I was charged for a month when I did not have a payment due because of a promotion through the creditor. I pointed this out to XXXX XXXX XXXX and they refused to do anything about it with the exception of one representative that looked into the notes and acknowledged that I was under the promotion when I was charged a payment. They continue to do nothing about it. All I seem to get from them is " Shut up, pay us. ''
Paid original creditor XXXX after switching phone companies, 1 month later a collection agency named performance receivables adds a collection to my three credit reports. I have tried to communicate with the company on several occasions and it always ends with 3 transfers and getting hung up on. This happened 4 times in succession one day and when I asked about it they chuckled and hung up on me again.
My mortgage was sold to Seterus in XXXX XXXX from XXXX XXXX XXXX. The escrow account was shorted when transferred to Seterus and my last payment to XXXX was not applied nor forwarded to Seterus. I have called and worked with XXXX and Seterus for a full year. However, no one wants to take ownership and step up to help fix the problem. The loan has been behind from day 1 with Seterus and is falling farther behind -- even as I continue to make payments for over the amount due in an attempt to catch my mortgage up. 
My loan continues to be hit with charges driving my loan farther behind and into foreclosure. I believe total mismanagement of my escrow account and payments have occurred. I have called and asked to speak to a supervisor or be assigned a specific representative so I do not have to start at XXXX every time I call and attempt to get this fixed. The last time I called- I waited to speak to a supervisor on hold for XXXX minutes and then I was disconnected/hung up on. I ca n't believe they are going to foreclose when I had been current until my last month with XXXX. I have attempted to login online to the Seterus website. All I can see is just a big black box ; the whole screen is black. I ca n't see any details regarding my loan. 
I received approx. {$700.00} in XXXX XXXX from XXXX XXXX XXXX stating they have now found the funds and 'fixed my mortgage balance '. But my mortgage is not fixed and {$700.00} will not fix the problem due to all the legal and late fees now on my account. I asked Seterus if I send the money XXXX shorted at transfer and refunded me which causing my mortgage to be behind and increasing my payment due to the escrow shortage- 'will you go back and reapply my payments correctly and remove all the extra charges- legal and late '. Seterus says they will run analysis and get back with me in two weeks. I never hear back from Seterus. I keep calling them back and usually end up on the phone for about an hour while the representative looks things up and then Seterus employees says the same thing!! 'We need to run an analysis and will get back with you in two weeks. Now I 'm two weeks from foreclosure!!! Please help me!
Experian is not reporting a payment on an account ( XXXX ) on my credit report. My payment history is missing a payment for XXXX, which was paid on time. I have reached out to XXXX. They claim they are reporting to Experian accurately.
I have entered into a settlement with this company. I have XXXX remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last 5 payments. Which is for XXXX each for 5 more months. I need this account removed. 

Thank you
Original Complaint - " The Original Creditor ( XXXX XXXX XXXX ) closed the account of {$670.00}. An unauthorized account was opened by TRANSWORLD SYSTEMS on XX/XX/XXXX. Nothing is due to TRANSWORLD SYSTEMS, who has also tried to collect the same debt under the name TRANSWORLD SYSTEMS INCORPORATED, because I never agreed to a contract with them. The unauthorized account opened by TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED on XX/XX/XXXX. On XX/XX/XXXX, TRANSWORLD SYSTEMS  AND TRANSWORLD SYSTEMS INCORPORATED was contacted in regards to an account opened which includes XXXX XXXX XXXX. That was the first contact to TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED  with a remedy, of closing the account and contacting the credit bureaus, which TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED works with to have that account removed from XXXX XXXX XXXX credit report. TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED responded to XXXX XXXX XXXX complaint on XX/XX/XXXX, " Dear XXXX XXXX XXXX : Transworld Systems Inc. ( TSI ) has received your complaint filed with the Consumer Financial Protection Bureau for the above-referenced accounts. TSI has researched this matter and the findings are set forth below TSI requested and has received validation information for the above-referenced accounts. Since this relates to a medical account, TSI will forward the validation information to you via mail under separate cover. You may contact XXXX XXXX at XXXX for inquiries on the above accounts. Please be advised that we have contacted the credit bureaus, with which we do business, with our request to place our listing of the above accounts on your credit profile in a disputed status. Please be advised that we can not effect a change to how any other company may have listed the above accounts on your credit profile. We appreciate the opportunity to respond to your inquiry. Very truly yours, TSI Consumer Affairs. '' This is my second contact to TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED in an attempt to give TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED chance to remedy this problem. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( FCRA ) * Violation of the FDCPA * Defamation of character As indicated above, TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED is a " third-party '' that collects on behalf of their client, XXXX   XXXX XXXX ; thus, XXXX XXXX XXXX ' contract would not be with TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED, but with XXXX   XXXX XXXX.
Debt is being collected through garnishment. The debt collector continues to call wanting me to pay them directly instead of through garnishment. Debt collector calls once or twice everyday and ask that I pay them instead of allowing garnishment out of my XXXX check.
Fraudulent practice without validation by XXXX XXXX XXXX XXXX hereafter referred as XXXX.

I spoke to a rep at XXXX 2+ months ago when we received an email in our junk folder, no mail, what kind of company does not send a collection letter via mail.

Regardless, I called XXXX and spoke to them about the issue. The issue here is that XXXX   decided to do collection for XXXX XXXX situated in XXXX for maintenance fees of the timeshare. I explained to them that when I called XXXX XXXX in XX/XX/XXXX, every employee I spoke to, they said that we no longer are the owners of the resort because it's under new management. They kept telling me that our ownership was with XXXX XXXX that went in bankruptcy and the takeover by new owners, XXXX XXXX, does not extend club ownership to XXXX members.

So what was baffling is that they insisted I should make maintenance payment because we have privilege to use the club without ownership. Well frankly, we'd like to sell our timeshare if we still have the ownership and this is what I was unable to achieve in XX/XX/2017 if we could confirm that we still owned it. Doing some online research, I came across forums and prior XXXX owners all had the same concern on loss of ownership.

I explained this to XXXX   rep and she promised me to get back with confirmation of ownership but didn't. A month ago, I was left a voice message saying XXXX is calling back but no details were left in the voice message. I called back immediately but ended up leaving a vm since their lines were coming busy.

Till date, XXXX has not provided a valid reason to place a debt collection on our credit report of my wife and mine. This seems to be very unfair practice by XXXX XXXX  to place a debt collection on our credit reports.
I have disputed XXXX XXXX on my experian and XXXX credit reports. I get a message back a few days later saying they investigated it and its mine. I 've also sent XXXX XXXX a letter asking them to validate the debt. They have been unable to do so. Since they are unable to validate the debt it should be removed from my report. This company was already sued for trying to collect debts that were not correct.
This is regarding old credit card debt with Capital One. It was initially sent to a law firm that I set up monthly payments with and had been faithfully making them for quite a while, and then they suddenly stopped. A month or two later, I receive an introduction letter from XXXX XXXX XXXX our of XXXX, Illinois saying they were taking over the debt. I dont recall anything in the letter stating I needed to contact them or something bad would happen. I assumed they would contact me with what they wanted me to do because thats their job as debt collectors. This was months ago, possibly as far back as XX/XX/2018. I didnt hear anything else from them until my bank account was frozen yesterday, XX/XX/2018. When I called the law firm, someone there stated they only did it because they tried to garnish my wages but I didnt work there. She named a company Ive never even heard of, let alone worked at. At the time XXXX XXXX XXXX reportedly tried to garnish my wages in XXXX, I had had the same job for over two years. I file  taxes. I get direct deposit. How could they not find my actual job? I received no communication that the wage garnishment was unsuccessful and they needed job information from me. I have not moved. I have not changed my phone number. The only thing the woman kept telling me was that it was my fault that I didnt respond to the letter from XXXX. I feel like this frozen bank account could have been avoided and now I dont know how Im going to pay my bills the rest of the month. I dont really have family to ask for help so this is really terrifying. Furthermore, wage garnishment would not have been necessary because I would have wanted to set up a similar payment plan as to what I had before and assumed I would have again. But they did not contact me and took the most drastic action without even informing me ahead of time.
I had disputed a closed charge off balance of XXXX from Midland funding collections on all XXXX reporting credit bureaus ... .After the dispute came back on or approximately XX/XX/XXXX it was reported to all three bureaus that I only had a balance of XXXX dollars..I then contacted Midland funding to pay the XXXX dollars.They said no I still owe XXXX dollars and that they never reported the balance of XXXX dollars to no reporting agencies. I have proof from all XXXX credit reporting agencies ... .They then contacted the XXXX bureaus after my dispute came back stating I only owe XXXX dollars and reopened my account to reflect the XXXX after my call to pay the XXXX dollar balance ... ..My score dropped over XXXX points ... ..This is definitely a violation the fair reporting act. XXXX
For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across XXXX Transunion and XXXX that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all three did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all XXXX not complying.
I was sued me for more money than I owe. My car was sold after the repossession. The sale price was not deducted from the balance. The statute of limitations has expired and they have garnished my pay check.
My student loan was in forbearance with XXXX while my ex-wife went through Chapter XXXX bankruptcy. She closed her file in XX/XX/2018. 
On XX/XX/2018 I got notification of a payment due by XX/XX/2018. 
XXXX reported to all creditors today that the account is 120 days past due, causing my credit score to significantly drop. Not sure how this can be 120 days past due when I didn't even get notice of a payment due until yesterday, and the due date is still 10 days away.
US Bank falsely claimed to the CFPB and me that US Bank recorded XXXX calls, prior to XXXX XXXX, XXXX in which I allegedly participated. 
US Bank falsely claimed that " You ( sic ) correspondence also indicates that you have requested that we provide you with video surveillance of the transactions that you had previously claimed as fraud. '' in theirs to the CFPB and me dated XXXX XXXX, XXXX
I paid my balance in full to reflect on my credit report through XXXX XXXX XXXX XXXX XXXX XXXX in XXXX original creditor was XXXX XXXX Retail orignal creditor acct # XXXX, when I went to apply for a home loan the mortgage company pulled my credit and it does not show as being paid in full and still shows a monthly payment and shows as delinquet and was not deleted as promised by the creditor upon payment. Equifax has already deleted this off of my credit report and I would like to request that Experian and Transunion does the same.