WillisBack/dataset-financial-user-claim huggingface dataset:
IN XX/XX/XXXX I TOOK OUT A LOAN WITH HOUSEHOLD FIN FOR XXXX AND MY PAYMENTS WERE XXXX ON THE XXXX OF THE MONTH ON A FIXED RATE, AT SOME POINT THEY GAVE THE LOAN TO XXXX, I CONT. TO PAY IN XX/XX/XXXX THEY SOLD THE LOAN TO BENAFINICAL AND MY HUSBAND DIED IN XX/XX/XXXX WHICH I CONT TO PAY WHEN I NOTIFY ALL PARTIES INVOLVED THEY SAID THAT MY NAME WAS NOT ON THE LOAN IN WHICH I DID SIGN SO I CONT TO PAY AND THEN THEY RAISED THE LOAN TO XXXX TOLD THEM IT WAS A FIXED RATE SAID NOT THERE PROBLEM PROVE IT AND I JUST CONT TO PAY XX/XX/XXXX THEY TRIED TO RAISE MY LOAN AGAIN TOLD THEM I COULD NOT AFFORD THIS AND THIS LOAN SHOULD BE PAID OFF BY NOW I MADE A PAYMENT IN XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX AND THEN THEY STARTED SENDING ME MY PAYMENTS BACK SAYING THEY ARE GOING TO FORECLOSE ON MY HOUSE TOLD THEM THAT I HAVE PAID THEM OVER XXXX HOW DO I STILL OWE OVER XXXX, THEY SAID THAT THEY CANT TALK TO ME I HIRED A ATTORNEY AND GAVE HIM POWER OF ATTORNEY AND THEY WONT TALK TO HIM, I FEEL AS THOUGH THEY ARE RIPPING ME OFF I NEVER MISSED A PAYMENT EVEN WHEN I DI MY CHAPTER XXXX I CONT TO PAY THEM .. ALL I WANT IS MY PAYMENT HISTORY BECAUSE THEY ARE SAYING THEY WILL SETTLE FOR XXXX I THINK THAT IS A BIT MUCH ON A XXXX XXXX LOAN I AM XXXX YRS OLD AND XXXX I CANT FIGHT THIS ANYMORE AND EVEN THOUGH MY HOUSE IS MY MAIN CONCERN CAN YO U PLEASE HELP ME
After a very serious recent bout with   XXXX    XXXX   XXXX , in   XX/XX/XXXX   I calle d the management office of a building I had to move out of in  XX/XX/XXXX  ( due to my sickness and inability to work ) to ask what t he balance was that I owed. I was told that " IF '' there was a balance it would be out of his hands and it would have been sent to a collection agency. He told me to call the building 's attorney for that information, so I did. The attorney told me she also was not sure, but gave me a number for the debt collection agency that they typically use. I immediately called that agency and spoke to a supervisor, who informed me that their company had no information on me AT ALL as of that day, and if they did receive anything I would be notified in writing/and or by telephone. That was more than 3 months ago. Today I received alerts from all  XXXX  credit agencies that I have a debt collection balance of {$7600.00} from a company called  XXXX   XXXX . To this day I have never received a letter or a telephone call, and yet they have damaged my credit without giving me an opportunity to dispute the debt. Of course this is against the law. As failure to send a written notice of  the debt is against the law, and according to the law the collector is required ( within five days of initially contacting me, which was NEVER done ), to send a written notice of the debt that includes : 1 ) The amount of the debt 2 ) The name of the original creditor to whom the debt is owed 3 ) A state ment describing my right to dispute the debt. NONE of these things were done. Therefore, I want this trade line removed from ALL  XXXX  of my credit reports IMMEDIATELY, and I would like an opportunity to go over the amount they say I owe, as I also believe that the amount stated is ALSO not accurate.
Hello, this is in regaurd to expierian. I 've struggled with XXXX my whole life and my majority of derogatory marks and accounts in collection are a result of that. Additionally expierians accounts in collections differ in company ownership from one bureau to the next. That said I am a firm believer of holding one accountable for their actions. But these records from XXXX to XXXX were during a time I was fighting major XXXX ranging from XXXX. I 've struggled with XXXX for as long as I can remember in childhood. None the less I have since XXXX XXXX regained control XXXX and turned my life completely around at XXXX with XXXX helping. I 've been employed for almost 2 years now and since my first job at XXXX never worked longer than 3 months. I 'm motivated, passionate and optimistic of my families future but the weight from my problems yesterday are hindering me of today 's true potential. All thing 's considered not to mention having documentation of said woes, hospitalizations, psychiatry, medication ect. I 'm asking for a second chance and strongly believe I deserve XXXX through XXXX negativity and collection be forgivin. As well as any coinciding information as a result of illness.
On Friday, XXXX XXXX, XXXX, I received a voicemail message from a company, Midwest Recovery Systems asking me to call back for a very important message. I called back thinking this was the company that had been calling to reach another person with the same last name. I was going to ask them to again remove my number from their database. When I called, XXXX XXXX answered and asked was I calling from xxx-xxx-xxxx, I said yes, she then, asked for XXXX XXXX, I said speaking. She said that she had an important business matter on her desk that I needed to resolve and wanted me to confirm some personal information. She first asked for my date of birth, I asked her what company she was calling from and she said that she already told me that information. I said 'I am not confirming or giving you any information until you can tell me the nature of this call '. She said that she could n't tell me anything until I confirmed information. I then told her 'that I am not giving her any information ' and was in the process of telling her not to call me again when she rattled off " I am trying to help you, I do n't have any collectors calling me, all my bills are paid. I do n't need you to tell me anything, I have all your information right here in front of me. Your DOB is xx-xx-xxxx and your social security number is xxx-xx-xxxx. At this point, she was being very belligerent and was overtalking me, I could n't get a word in. So I said do n't call me again and hung up. I was very upset and angry. I could n't understand why she was being so ignorant and aggressive. I called back and got a different representative by the name of XXXX XXXX. I said that I was calling back to get the name of a representative ( I did n't write it down initially because I did n't think I would need to. I thought it would be a simple remove my number from your database call ). I just talked to about 5 minutes ago so that I could file a consumer complaint. I said if you ca n't help me just let me know and I will find another way to make my complaint. She said quickly, that the employee was right and that by law they ca n't give any information without knowing that they are speaking with the correct person, but that she could connect me with the employee 's supervisor. XXXX XXXX came on the line and I explained to him why I was calling. He also wanted to tell me what they could do by law. My response to his statement was, 'I never gave or confirmed any information to the representative. She was being very aggressive when the call did n't go the way she wanted and blurted off to me a date of birth and a social security number. For one of your company employees to claim to not be able to answer a simple question about the true nature of the call without confirming personal and protected information, but in the same conversation give personal and protected information on someone they suspect to be the correct person is a contradicton. And I am sure is in violation of some law of credit/collection practices. ' He gave me the employees name and I informed them that I would be filing a complaint on the business for harassment.
I have an XXXX XXXX XXXX with XXXX XXXX. I have tried to access my funds and use my card to make purchases which resulted in it getting declined every time. I have no access to my funds and have tried to access the app that I use daily and it does n't work, I have also tried calling customer service and have not been able to get through in reaching someone to resolve the issue. It is very frustrating knowing I have money in my account that I need and do n't have any access to not knowing why. Please resolve this issue immediately.
This makes my third time trying to dispute information the has been submitted by : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. The negative remarks pertaiing to late items are inaccurate. 
XXXX XXXX reported me as 60 days late XX/XX/XXXX before my payment was due. Also XXXX XXXX was provided authorization to withdraw my payments from my account utilizing a special payment program. The docuemnts to authorize this program was submitted to XXXX XXXX on two sperate occassoin the first being in XX/XX/XXXX and the most recent on XX/XX/XXXX. I confiremd the receipt of my document prior to my payment being due in XX/XX/XXXX and the female customer service rep at the XXXX store confirmed my draft and payment date of XXXX/XXXX/2016. The drafted payment never cleared my account and so I called the branch. I was informed that the payment for both XX/XX/XXXX and XX/XX/XXXX would be processed on XX/XX/XXXX, but this did not happen. Instead I was given a negative payment mark of 60 days even before my paynebt due date of XX/XX/2016. When I called the branch they stated thaty never had an automatic draft plan scheudled for me. I informe them of the error on my credit report and my willingness to file a XXXX complaint at which time they tried to work with me. A manager ( XXXX ) from the XXXX branch contacted me and stated that my account would stay in a duispute status and if the account payment were caught up he would then notify the main office to correct my credit report to reflec that the account error was resovled. This conversation took place on XX/XX/2016 at approximately XXXX. 

XXXX XXXX has reported me delinquent for XX/XX/XXXX and XX/XX/XXXX but has recieved payments in both months accordingly. The past due balance they are reporting is inccorrect and includes additional fees that have not been provided to me or explained to me. Attahced is a copy of the payments that have been made to XXXX XXXX over the past six to seven months. I have not been contacted by XXXX XXXX regarding any late payments. 

XXXX placed my account in a payment protection status and I requested a letter to verify that I was placed in this program. XXXX has removed my account from the collection status as the past due remarks were done so in error.
HELOC with XXXX was transferred to Specialized Loan Servicng of XXXX XXXX Colorado. HELOC was paid off on XX/XX/XXXX. Specialized Loan agrees that it wa satisfied. XXXX County Wa records office is still showing the debt on the county record. It is file number XXXX. Amount is {$69000.00} recorded on XX/XX/XXXX. XXXX has gone out of business. Since Specialized Loan agrees that the HELOC was paid off, I do not understand why they do not notify XXXX County Wa. Although they say they already did this. XXXX XXXX XXXX XXXX XXXX Wa is the property address.
MRS BPO is the only negative account on my credit report. I do not believe I owe on this account and have been unsuccessful in obtaining documentation, but worse this is a third party collection company masquerading as a credit grantor. Third party collection companies may not report as open / active type of tradelines. This has extremely effected my credit score, as my only negative account, as it shows it's an open active account that is currently not being paid on time. It also updates monthly as an active account. Only original credit grantors may report accounts as open / active, or report account type as anything other than 'collection '. Collection companies do this to have the maximum impact on your score, and it is illegal.
Hello I'm requesting help with a verification of debt with XXXX XXXX XXXX. I wrote them on XX/XX/2018 and they never responded.
I open XXXX to know my credit score then i got amazed when i knew that i got a mortgage dated back XX/XX/2015 that even in dream i didnot do..please help me maybe someone stole all my info ... thats why all im applying for credit cards or lending services are all DECLINed
I was never laid on my XXXX XXXX Credit card. They reported me as late in XX/XX/XXXX. I paid of the card in full. XXXX XXXX had an issue processing it. I was told this would be updated ... they DID update it.. then it came back on my report ...
I previously settled this account with XXXX XXXX XXXX. However they are still reporting this account to the credit bureau XXXX XXXX. Upon paying this account they did remove from XXXX   but is still showing on XXXX XXXX credit bureau. they are hijacking my credit. they remove this account from other credit bureaus and I am requesting that this account be removed from XXXX XXXX and any other credit reporting agencies.
Today I received a debt collector letter from the XXXX XXXX stated I owed to Citibank the amount of {$900.00}, I believe this type of action is fraudulent on nature between Citibank and its Debt Collector XXXX XXXX. 
I disputed the same amount {$900.00} with Citibank several years ago also I did disputed las XXXX 2016 with another Citibank 's Debt Collector XXXX XXXX XXXX. CFPB Case # XXXX. 
At This Time I would like to ask the CFPB to Ask Citibank and Its Debt Collector XXXX XXXX to cease any collection on the amount they said I owe them. 
There is the second time CITIBANK is attempting to collect something I disputed on the past, I do n't know if At this time Citibank and its debt collector are violating any rules of FDCPA, if its so I would like to be compensate it for.
I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus XXXX and XXXX. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call XXXX and XXXX they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, XXXX, XXXX, and Experian. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.
Complete Payment Recovery Services , Inc. is attempting to collect on a check for {$55.00} they claim was returned unpaid, but in fact was paid by our XXXX checking account. They continue to call even after we informed them that this check was paid.
See details in Complaint Number XXXX against XXXX. This new complaint is against JP Morgan. 

The reason we're doing a separate complaint is because, according to XXXX, JP Morgan has been in possession of our wire transfer of {$3000.00} ( - {$10.00} transfer fee ) since XX/XX/XXXX. That is the same day we instigated the transfer. The money went to a bank in Florida, who rejected it and returned it to JP Morgan on that date. 

We called XXXX a few days after XX/XX/XXXX and were told repeatedly that it would take " a few more days '' or a " few weeks is normal for international wires ''. After two weeks of this, we requested a trace. That is when we discovered that JP Morgan was also involved. According to XXXX. 

XXXX gave us a tracking number : XXXX. We gave this number to the bank in Florida, that JP Morgan said didn't respond, but who answered our call the first time. XXXX at XXXX ext XXXX, gave us the information that they had rejected the wire and immediately given it back to JPM. We had been told on an almost daily basis that JPM was " trying to find the money '' that they'd made several inquiries and even called the bank. That was clearly a fabrication because it only took us one phone call, using their tracking number, to get the information that the  money had already been returned to JP Morgan. 

XXXX has been telling us, since last week ( XX/XX/XXXX ) that the funds had been returned to them and we could expect to see it back in our account " today or tomorrow ''. They gave us the same run-around this morning. So we called and gave them a stern recap of why we are upset and that we want our money back now, not tomorrow. We were told that the recording of our complaint would be given to " a manager '' at XXXX to evaluate. 

A supervisor at XXXX, XXXX XXXX XXXX ext. XXXX, took over the case on Thursday and she's the one who first told us that XXXX had received the money back from JPM and we'd be seeing it in our account overnight at the latest. When we tried to call her yesterday morning and this morning ( XX/XX/XXXX and XX/XX/XXXX ) she was unavailable or not in. So, after the complaint this morning to " the manager '' XXXX called us within a few hours and told us something truly remarkable : XXXX does not, in fact, have our funds. In truth JP Morgan still has the money and she just found that out. She needs to do a " recall '' and that it will take JP Morgan another 2 days to 2 weeks to return our money. 

For some odd reason, we do not believe a word we are told now. However, in the off chance that they are telling the truth that it has actually been JP Morgan Chase who has our money, then we should send in a complaint that they have been unlawfully withholding our {$3000.00} from us since XX/XX/2018.
My daughter has some private student loans with NAVIENT and we need assistance please. Im sure youll find this ridiculous and thats okay but we are petitioning to have her loans reduced, partially forgiven or ANYTHING that will get these ABSURD balances down. Ive checked the original amount of the loans and then looked at what the balances are now she isnt making ANY HEADWAY at all and has been making payments for EIGHT years. And your folks are telling her that her monthly payment will eventually need to be around {$1200.00} AND that she needs to make payments for another 28 YEARS!!! That is the most absurd thing Ive ever heard. Its like paying off a house! She only brings home just over that amount and she cant even live out on her own BECAUSE of THIS! 
Shes been working with your company IN GOOD FAITH she stays in touch ALWAYS makes her payments. Shes qualified for interest rate reduction in the past and has to requalify again and again - then as soon as the qualification runs out you people raise her payment AGAIN! Its ridiculous. I want to know WHO can get this rectified. As XXXX  Mother I WILL NOT STOP until we get this to a reasonable and manageable point for her. She is MOST willing to pay you but you make it IMPOSSIBLE and its  just nuts. Youre predatory and I know you have MANY pending lawsuits against you right now with the CFPB for for systematically and illegally failing borrowers at every stage of repayment. And I fully understand this You are STEALING money from young folks who are trying to have a LIFE. My child wants a LIFE she wants to be able to buy a house even LIVE IN AN APARTMENT on her own but because of Navient shes held back. And I just will not stand for it anymore. MY CHILD DESERVES A GOOD LIFE without the PAIN and FEAR of these ridiculous loans staring her in the face. Think about how YOU would feel if this were your child. She went to college to better herself and make a life for herself - NOT to be dunned and dogged by the likes of Navient for the next 30 years.
XXXX XXXX in XXXX, TN to s attempting to collect and is reporting a collections account on my credit reporting agencies for {$280.00} to the original bill owner - XXXX. 

I paid XXXX on X/XX/15 and provided the date and check number to XXXX. They claimed thats not enough. 

I need this removed from my credit as its damaging my credit not allowing me to reach XXXX for the ability to rent an apt . 

So, I contacted them again and requested that if I pay them the money again will they please delete the reporting. 

I received in writing that they will not remove the reporting from my credit - they will just change the status. 

This is absolutely ridiculous as they are attempting to collect a debt that doesnt exist AND further are not willing to work with me to correct my credit. 

Please help. 

XXXX XXXX XXXX Cell : XXXX XXXX XXXX XXXX XXXX, TN XXXX
My CD was maturing on XX/XX/2018 I called Goldman sachs on XX/XX/XXXX to not auto renew it. they told me to call back to cancel it.

Firstly of I am telling them to cancel it from auto renew they should not auto renew it.

Now they are asking me 270 days interest penalty when I called them to interest.

they can not auto renew my cd without my instructions. This is just fooling the cuswtomer.

I have wasted so much time with the bank to do this over the phone. Can you please help me.
Today XXXX XXXX XXXX I called XXXX XXXX sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from NY times wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. XXXX blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! XXXX clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.
Select Portfolio Servicing has yet to respond to this complaint. XXXX OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2018. They continue with Forced Placed Insurance on a property they do not have a security interest in according to the legal deed and mortgage documents. I continue to dispute any and all charges by Select Portfolio Servicing.
I have submitted a dispute via certified mail with Equifax in regards to the improper reporting of the payment history, as well as, account balance which is being reported by XXXX XXXX. The original dispute date was XXXX XXXX, 2016. Along with contacting Equifax I 've also contacted XXXX and Experian as well and have received the same reply that the Furnisher, XXXX XXXX, is verifying that the information is correct when in face my dispute stated that I was requesting verification because I have proof of payments that was not reported as well as deferred payments that was also not reported. I am very upset that these credit bureaus are not thoroughly investigating consumers accounts such as mine. According to the Fair Credit Reporting Act the Furnisher has 30-45 days to complete a thorough investigation resulting in correction or deletion of the account and or information in order to not violate the consumer and at this point after unsuccessful attempts I, the consumer, rights are definitely being violated.