WillisBack/dataset-financial-user-claim huggingface dataset:
I keep getting letters for the past few years from different collection agencies on an account I closed 10 years ago. DOFD has been re-aged and I keep getting harassed. Current creditor is : Jefferson Capital Systems / XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX Nevada XXXX and Original Creditor is XXXX XXXX. 
I am also in the process of reporting them to the Federal Trade Commission ( FTC )
Wells Fargo, N.A. misapplied a payment in XX/XX/2018. I was told they would correct in one billing cycle. It has been three billing cycles. I have spoken with several people who assured me that this would have no negative affect on my credit file. They reported it as late for more than 2 months, they have sent me two collection letters, and the worst is that my credit scores have dropped more than 60 points.
I XXXX filing a complaint against Nation Star Mortgage this is my third request with this company noting is being done to resolve the problem i have with this company they are horrible and difficult to deal with Nation Star has on my credit that i have a first mortgage home equity loan i have never had a first mortgage line of credit this is preventing me from doing anything financial with my home i had a second mortgage and it was paid off i have the documentation for that loan i want this problem ti be resolve with this company i am tiered of going no where with this company please help me.
There are several hard inquiries on my credit report that I did not authorize. I reached out to all 3 bureaus with no luck. The following inquiries are unauthorized on my report : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX
on XX/XX/XXXX I received deposit into my account for {$2600.00} which I rescinded the loan. on XX/XX/XXXX company withdrawal funds from my account for the amount of XXXX which did not clear. I was unaware of the XXXX processing fee. I called company on XX/XX/XXXX stating that the " ACH '' did not clear. I was told that I must wait until Thursday when company gets response back from payment attempt. I agree. Thursday XX/XX/XXXX, I called company to request payment in full of loan which agreed XXXX via " ACH ''. The following Wednesday XX/XX/XXXX I contacted company again stating that there has been no attempt of withdrawal for the funds agreed upon. The company apologized and stated it appeared the " ACH '' process was n't completed on the XX/XX/XXXX payment request. The conclusion of the XX/XX/XXXX phone called, I updated my email address and once again gave authorization for Speedy Cash to withdraw funds from my account of XXXX. The Customer Service Rep. from Speedy Cash sent me an email XX/XX/XXXX @ XXXX XXXX to XXXX of the terms of our agreement. On XXXX, I contacted company inquiring why the amount had not been withdrawn from my account. The Representative stated something was wrong with the payment, it had not been processed once again. We went over the banking account once again, and this time. I advised Customer Service Rep. that I was unaware of the XXXX processing fee and that no one told me. The Representative stated that it 's the company 's responsibility to state how much will be withdrawn when an agreement of " Payment '' has been made so he lowered the fee to original fee of XXXX to be withdrawn with an email of the said agreement. The email sent from Speedy Cash dated XX/XX/XXXX includes loan # XXXX with bank account on file overriding any previous agreements. On XX/XX/XXXX, I contacted company again because payment was not withdrawn. The Customer Service Specialist, stated that a payment was sent but no response. He indicated that the payment did not clear, so I contacted my bank with Speedy Cash representative. They had not been any attempt made to retrieve monies from my account other than the initial attempt. I authorized payment once again however this representative refused to provide an email in regards to my attempt to take care of payment for the amount of XXXX. On XX/XX/XXXX, Speedy Cash withdrew funds from my account of XXXX which would reflect the original agreement of loan terms. This is the same account that they utilized from the beginning and the only account number ever provided. The company did not send any " ACH '' transactions and utilized my debt card to retrieve the XXXX. I could not use my debt card to make payment of XXXX because it exceeds my spending limit. Please help. This company has continued to lie to me as I 've contacted this company for the entire month of XX/XX/XXXX to resolve this issue. This company no longer has access to my account and I 'm prepared to pay them the amount in full owed. The total balance remaining owed XXXX with the amount deducted XX/XX/XXXX of XXXX equals XXXX as last agreement sent via email and last authorization. thanks kindly, XXXX
Paypal stopped allowing me to transfer money to another party. Additionally they have provided no means to remove the withdrawal limit on my account, thus they are holding my funds hostage.
Transworld Systems is tryi ng to collect a debt that was included in bankruptcy. The debt is fro m 2013. They a re t he 3rd co mpany to purchase the debt and refuse to take it off. It has already been removed by  XXXX  other companies that purchased the debt not owed for {$530.00}. I have filed a dispute with all  XXXX  reporting agencies. I have also contacted the company directly. They have re-aged the debt multiple times, making it appear to be recent and keep re-reporting. They refuse to follow the law. I have never even received anything by mail or otherwise from them.
I paid off the loan back in two thousand and six. recently popped back on my credit about two years ago and theyre stating I owe the loan I paid off back in two thousand six and then not take it off my credit. It is greatly affecting my credit score.
on XX/XX/XXXX we paid our regular mtg when we did evidently the teller ran the pymt wrong left out our credit life ins noticed the error when received our monthly statement contacted us bank at XXXX said was ran towards principal put in work order XX/XX/XXXX talked to a XXXX on XX/XX/XXXX went I XXXX branch to pay XX/XX/XXXX pymt asked teller if error was corrected said talk to XXXX she called mtg department they stated they had ra n it towards interest this time ran twice wrong making pyt appear late and more than then accuatall due ex pymt {$580.00} plus XXXX equal {$620.00} ast due asked for copy of all transactions to be sent to me on XX/XX/XXXX as of XXXX nothing has been received.XXXX at XXXX branch said another work order would be sent in making XXXX work orders for the same problem making us owe more after we paid the pymt than before the pymt was due. 

problem number 2 received letter dated XX/XX/XXXX received XX/XX/XXXX from us bank stating they had reviewed our acct russ consultating phone number XXXX issued a credit tour account on XX/XX/XXXX toward principal for reremediation harm received a XXXX amt of int of XXXX amt applied was XXXX problem never notified in beginning this amt had been added to our acct called XXXX XX/XX/XXXX stated it was for invoices for qualtity assurance as thirdparty for us bank problem 3 have received XXXX different mortage with different interest and different balances last one recived on XX/XX/XXXX withn yet another different interst amount and different balance on acct if you take the previous mortage interest statement it is the difference of {$440.00} which is the balce credited on XX/XX/XXXX added back on to our acct
XXXX XXXX called from LLC and disclosed information to my employer.She told the receptionist that they would be serving me paperwork and that I would need to be present with XXXX forms of ID and my Manager would also need to be present as a witness.
I paid XXXX credit card debts that originated from XXXX XXXX. 
Due to hardship both credit card accounts were later passed off to a collection group called XXXX. This collection agency hired a law firm named XXXX XXXX XXXX who filed a civil suit for settlement amounts and both accounts were paid in XXXX of 2012. Recently it was discovered that XXXX never reported the debts paid. If I had not kept my receipts all of these years I believe that I would struggling to prove the debts were paid. These debts were paid four years and because XXXX did not promptly report this that it greatly affected my credit. 
If I had not kept my receipts it would have been my word against them and I am certain that these debts would have showed up again for collection down the road.
Experian is illegally reporting XXXX accounts that passed thethe 7 year reporting period and XXXX accounts shouldbe deleted immediately.I have disputed XXXX accounts. 
these XXXX accounts have surpassed the 7 year periodXXXX ) XXXX XXXX XXXX - # XXXXThis account was to be removed XX/XX/XXXX 
Experian re-aged to be removed in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX - # XXXXThis account also is illegally reporting after 7 yearsand should be removed immediately.
My checking account was charged XXXX overdraft fees over a period of time of approx one week because of an overdraft that then cascaded into fee after fee after fee because of negative balance transactions in the account. XXXX fee? fine. XXXX or more fees fees is not fair. I asked the bank to refund some of the fees, they refused because I have had fee reversals in the past. However they did not care that the fee reversals were because my account had been hacked. They said my account is " ineligible '' I looked into the history of my account and there was a period where I deposited money to try to correct the situation, but all the fees have eaten up all of that that it all started again ... .there are at least {$200.00} IN FEES AND I DID N'T EVEN HAVE XXXX $ to my name during that period. 

The bank also only sent me an email alert today XXXX XXXX, of an overdrawn account ... while for days I have been racking up fees. And never was there an alert that I was getting continual fees.
In 2013 I received a XXXX and asked for a forbearance while on XXXX. I was never told that my interest could be held from a accruing while recovering for 4 months this made my loan increase by {$50.00} only to find out that interest should not have been charged while I was on forbearance for my subsidized student loan. Navient is my loan servicer. I 've also recently called to lower payments ( down to minimum payments ) and the servicer said that this was not possible.
XXXX XXXX XXXX XXXX is attempting to collect an alleged debt i requested verification of alleged debt and then still received phone calls have yet to receive confirmation that the claimed debt is cleared or any other communication other than phone calls which should not have been placed to me after verification request it appears that after CITIBANK was unable to verify the debt with XXXX, XXXX XXXX XXXX, that XXXX, XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX
I went to the XXXX/XXXX branch of Chase Bank in XXXX today ( XX/XX/2018 ) hoping to open an account. I explained that I had just sold my house and was about to move back to Oregon and that my current bank ( XXXX XXXX ) doesn't exist in Oregon, hence I thought it best to get an account in a national bank, because the wire transfer I'm about to receive is quite large ( 6 figures ). I showed my ID, provided proof of address ( home I own ), and my SS number. Suddenly I was asked to provide my residency card, since I had innocently mentioned that I was from XXXX. I don't carry my residency card with me, because it's expensive ( {$450.00} ) and really hard to renew if lost. I even showed my debit card from my other bank as proof that I'm clearly here legally and have been for the past 15 years, but it wasn't enough. No other bank has ever asked me to show my residency card when opening an account. Unless Chase asks for birth certificates from applicants who are citizens, this is a discriminatory practice.
I am writing this letter due to what I believe to be misleading and perhaps fraudulent behavior of Bank of America against the consumer regarding interest rates on balance transfers. I opened a Bank of America credit card XX/XX/XXXX years ago because I was offered a promotional rate of 0 % interest on all charges until XXXX XXXX. I also took advantage of repeated 0 % promotional interest rates for balance transfers. In XXXX XXXX I transferred balances equaling {$3900.00}. As of my statement for XX/XX/XXXX- XX/XX/XXXX my balance were as follows {$1900.00}. XXXX purchases promotional rate until XXXX XXXX, balance transfer {$1500.00} promotional rate until XXXX XXXX, balance transfer XXXX promotional rate until XXXX XXXX. By my statement for XX/XX/XXXX- XX/XX/XXXX, it indicates that I had paid off all of my balance transfers. I received additional balance transfer offers which would not generate interest until XXXX XXXX so XX/XX/XXXX, I transferred {$5600.00} as indicated on my statement dated XX/XX/XXXX-XX/XX/XXXX. I later transferred additional money for a promotion lasting until XX/XX/XXXX. Therefore, I was shocked XX/XX/XXXX. when I started paying interest on my whole balance. I called and asked about my promotional rates on balance transfers, they said all of the balance transfers had been paid. When I did my balance transfers with them, I asked would there be something XXXX that would prevent me actually seeing the no interest rate promotions until XX/XX/XXXX and XX/XX/XXXX and was told no. The statements say that payments are allocated, " If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimal Payment Due to the lowest APR balances first ( including transactions made after this statement. ) Payments in excess of your Total Minimum Payment will be applied to balances with higher APRs before balances with lower APRs. '' While, I paid some {$9000.00} on my credit card for the year, I thought I was making payments both on my purchases and on balance transfers. However, somehow BofA only applied my payments to my balance transfers exclusively at first so that I would not be able to take advantage of the promotion interest rate on the balance transfers which is what lured me into making the balance transfers. This is not explained on the statement, was n't told to me verbally when I asked and I do n't see such info on the tons of offers they keep sending me. This is slight of hand for the consumer. 
I hope you can help protect consumers like myself from such financial chicanery and shame on Bank of America, a name with such a long legacy, in whom we should be able to trust.
I was notifie d two years later of   missed payments on my Dept. of ED loan, for which I applied for and received forbearance. Navient inadvertently applied the forbearance to my Federal loan, and are trying to m ake me pay for their mistake. Their error increased my payment and extended the life of my loan. I 'm absolutely certain their efforts are fraudulent. The customer Service advocate 's initially response was : inconsistent payment times caused the loan to accrue interest. That 's what late feers are for, but no fees were assessed.
Back in XX/XX/2016 I was doing so research on student loan forgiveness. After a couple of calls and XXXX searches I was contacted by Equitable Acceptance Cooperation. I was told the Obama had passed this law and the student loans that I was paying back were not supposed to be that high. I was told that this company would get my student loans consolidated and it would be better for my credit and lower my monthly bill. This sounded great to me. This company told me that I would have to pay a fee for the service that would be broken up into monthly payments and then I would also have a new student loan payment plan. I unfortunately agreed to this as I thought it was a legit. After a few months I have been paying both my fee to Equitable Acceptance Cooperation and to XXXX. I contacted XXXX with some questions and they advised me that this was a scam and to report it to the Federal Trade Commission. Equitable Acceptance has put a hard inquiry against my credit and debt on my credit report.
I received an email promoting the Citi ThankYou Premier Card. After spending {$4000.00}, I was to receive XXXX ThankYou Points. I applied, was approved, and spent the amount. After this, I was informed I was not eligible to receive the points. 

I contacted Citi after meeting the minimum spend and they informed me that I was not eligible to receive the points. 

This is misleading and I am extremely upset I have taken a hit to my credit, paid them an annual fee, and now receive nothing. They keep giving me the run-around and I have chatted with multiple support specialists, called and been placed on hold, and have no results.
JP Morgan Chase Bank from 2012 to the present of theft and fraud of people using my personal finance info to obtain mortgages. 

XXXX XXXX XXXX of the same people with fraudulent issuance of mortgages on my behalf. 

XXXX XXXX XXXX which is XXXX XXXX now - same fraud and identity theft and fraudulent mortgages. 

XXXX XXXX XXXX XXXX - same fraud application for mortgages on my behalf. 

XXXX XXXX  - same fraud mortgages XXXX  XXXX XXXX XXXX - same fraudulent mortgages on my name and info. 

XXXX XXXX XXXX - same fraud mortgages on my name.
I have a Mortgage Loan serviced by " Caliber Home Loans ''. I trust, " XXXX '' is the Investor, as they sued me for Foreclosure. 

My mother XXXX XXXX sometime back and we could not afford the Mortgage payments. Hence we became delinquent and are trying to do a Short sale, for the last 8 months or so, to avoid a Foreclosure on our Credit Report. 

My 3rd party submitted several ALL CASH Offers, the last of which was about {$500000.00}. This Buyer is willing to close in 15 Days and take care of all the extensive repairs amounting to around $ 300K (  Inspection Report by a Licensed Inspector and a Repairs Estimate by a Contractor attached ), as also deal with the delinquent tenant. He is Ok with a Short Sale or a Note Sale, whichever is OK with Caliber.
But unfortunately, Caliber is stone walling all the Offers, saying that short sale/Note Sale is not an option at all now. They are not even giving any counter-offer, but only saying that I have only 2 options, namely : 1 ) Deed-in-Lieu ( DIL ) 2. ) Bringing the Loan Current by paying around $ 380K. 

I have told them several times already that both the options are not at all feasible, because : 1. ) There is a delinquent ( XXXX ) tenant, who has not paid rent for about a year now and I have started eviction proceedings against him ( copy attached ). I am told, as he is a XXXX person, the Courts would be much more lenient towards him and the case can go on for a year or more. So DIL is not an option at all. 

2. ) Secondly, to expect me to pay about $ 380K and  bring the Loan current is also a far cry, as I am bankrupt now. In the first place I was not able to even maintain my monthly mortgage payments, which is why, I am in this situation. So the 2nd option of bringing the Loan current, is also not at all feasible.
I called Equifax to have the hard inquiries removed from my credit bureau and they directed me to the company. I went to the companies and the directed me to Equifax. I was a victim of the Equifax breach and I dont think its fair for the burden of their misuse of my credit information be placed on me the consumer. I have 17 hard inquiries on my credit file that I didnt authorize or dont recognize and I want all of them removed
On  XXXX    XXXX  ,2017 I put in a request for my information to be updated so I could receive a Ac cess Code to send money using wells Fargo sure pay. I rec eived the email stated that my information has been updated and to allow time to receive code. I called on  XXXX   XXXX ,    2017  to get the code and they advised me the ticket was never put in and I would have to wait for another ticket to go in. I was  on the phone with three different representatives for almost 50 minutes just for them to tell me I still hav e to wait. This is BAD SERVICE and it is UNACCEPTABLE!! Clearly, some additional training is needed because work orders are not being handle properly! I feel my business at the bank is not being taking seriously and will be closing this company 's account. I AM TRULY UNSATISFIED WITH THIS COMPANY!!!!
I am paying only partial of my student loan and I was advised, by Cornerstone ( XXXX ), that i would still receive phone calls, that was fine, but I told them not at work. I have literally told this company over 50 times to stop calling me at work and call me after XXXX XXXX. I got so mad that I blocked the number. Now they are calling me from another number! I have told them every week this month to stop! They are being deceptive even though i have communicated with them and are paying something when I can. 
They call when my bosses are in my office and are listening to me tell them not to call me at work. They have forced me to discuss my personal life with my bosses because of this, which makes me look bad! I do not know how to get them to stop! I have been nice, angry and nothing works. I 've even spoken with a manager about this without a resolution. They promised me it was taken care of. 
They are going to make me lose my job if I keep getting debt collector calls while I am working. 
Please help!
I made a purchase at XXXX XXXX in late XXXX ( {$61.00} ) ; just received my statement with a XXXX XXXX due date and XXXX XXXX has submitted a negative report to the credit agency TransUnion for non-payment. Their site is down until XXXX/XXXX/15 ; no one answers the phone and I 'm cutting up the card and closing the account. I want the negative report off my credit summary. XXXX XXXX has a serious problem and they are hiding something from the consumer.
I have been making ACH payments through my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga for over a year. I found out de facto that XXXX had closed their business sometime after withdrawing my XXXX 2016 pmt. The company did not inform me and apparently sold my debt to Midland Credit Mgt. Midland immediately placed a dunn for non pmt on my credit reports. I am absolutely not responsible for any of these ocurrances. I have been paying this account faithfully & should not be penalized by their oversights.