WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I had a debt from 2011 which we do not dispute. It didn't show up on our credit report when we were paying off all of our debt to improve our credit score. We submitted an offer on a new house and it was accepted. The title company states there is a debt owing to Bank of America, which we need to resolve in the closing of our new house. The title company sent a request for payoff, and was denied. They were instructed to send a fax in order to appeal the decision. So to be clear, we are trying to satisfy the debt and have been denied. We need to appeal their decision in order to move forward on our home loan. I personally called Bank of America in order to resolve the issue and was told it was being reviewed by legal and that " they do not have a phone number for me to contact them and ask why we can't pay the debt ''. This appears to be very dishonest and, quite frankly, shady business practice. If the home loan falls apart due to Bank of America not allowing us to pay our debt, I will be very upset. My opinion is that the debt has been discharged, and Bank of America legal team is trying to find a way to re-instate the loan. If they don't have a phone number for me to reach out to them, how am I supposed to figure out what is going on in the process? They just keep telling everyone, " It is being reviewed by our legal team ''. This is unacceptable behavior!
I had a car that was charged off in XX/XX/2014 and Loan Mart is continuing to report 120 day lates to current dates. This is illegal and hurting my credit. After the charge off they cant report late payments.
Nationstar mortgage has had my loan in modification from over 5 months everytime i call i 'm put on hold for long periods of time then switched to another person whom request the same information that i just gave the first person then i 'm switched to another person whom places me on hold for more than 20 min and then transfered to another person whom puts me on hold and never comes back to the phone or they hang up this is not what i expected from a mortgage company and i no longer want to do busniess with them I need someone to tell me what my options are to get out of this mortgage. PLEASE!!!!!
My mortgage is through MidAmerica, but serviced by XXXX. Recently, they sent us a letter stating that they were increasing our escrow portion of the monthly payment by over {$150.00}!! This happened because our property taxes increased and there was a shortage upon paying the property tax of {$390.00}. Upon my learning of this shortage, I immediately paid XXXX the {$390.00}, the same day that I received their letter. I have been trying to call them t discuss this issue. The amount the property tax increased comes to no more than an additional {$35.00} per month, so why are they asking for {$150.00} more per month. When I call XXXX they say to email them. Which I did. I requested that we close the escrow account so I can pay property tax and insurance myself. They sent a letter stating that they could not close the escrow account because our loan to value was more than 80 %. They were basing that off of the purchase price of the home! Our current loan amount is {$290000.00} and our home is worth at least {$560000.00}. Ive tried calling several times, only to be on hold for anywhere from 30 to 120 minutes, with no one ever answering. 
I simply can not afford to pay an additional {$150.00} per month and need to speak to a live person about it. Please help me.
XXXX ripped me off. The made me believe that my total debt for the school loan would be {$40000.00}. Considering that I earned an XXXX and a XXXX XXXX that I owed less than {$17000.00} on, I thought that the {$40000.00} would not be bad due to the fact that I did not have excessive student loan debt. As a single woman and a XXXX I strongly considered the loan amount/debt. XXXX continued to encourage me to take out loans and they took forever to get through the dissertation process. This school is a money pit. The closer I got to depletion my funds for a loan the school decided to concoct a story staing that I had plagerised. I was near the end of the program. Why would I purposely do such a thing? I would not. I went to a hearing to let the school know that I was ill and had been in the emergency room the week of the XXXX Exam ( which is what they said I cheated on ). I showed them the documentation. According to my credit report my student loan balance is over {$400000.00}. As a single XXXX I would never put myself in harms way like this. This student loan debt on my credit report is preventing me from living. I am unable to secure a loan for a home or car. It ; s stopped me from doing many things. To make matters worse, I did not even attain a degree from this school. XXXX XXXX robbed me and I want my money back.
I have sent  XXXX ,  XXXX  and Equifax each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17  Mailed Address, Nam e, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX    XXXX 17  mailed another letter to  XXXX  and  XXXX  for all personal info to be updated.
I got this loan online with Argon Credit back in XX/XX/XXXX and everything was going ok until summer of XX/XX/XXXX. That 's when my automatic payments stopped and I started receiving collection calls that I was behind on my payments. I thought that was strange since they have been debiting my checking monthly for an entire year. But every time I spoke with Customer Service they could n't access my account/info. I tried to log on and could n't access it either. The agents at Argon are nothing but kids, they sound so young, inexperienced and could never transfer me to a supervisor. They always said a supervisor would get back to me and never would. I sent them an email on XX/XX/XXXX and have received no response. I followed up with another email on XX/XX/XXXX and no response either. I have now access to my account online and noticed that I 've been charged numerous {$25.00} NSF fees. I do n't understand how they would charge me these fees when they do n't even try to submit it to my bank. Now, if that is the case, then do n't you think XXXX would have charged me a fee, as well, if there were no funds in my checking account? I 've asked this company to refund all those fees and the agents say there is no fees on my account. It 's really frustrating that you sign up for a loan and agree to the terms and Argon ca n't even hold up their end of the bargain! I 've asked for a copy of my agreement and that even was doctored because I would of never signed an agreement that would have my last installment payment of {$1000.00} when my monthly payments were only {$79.00}. My loan has gone from 36 monthly payments to 42.
Trans Union verbally told me on XXXX/XXXX/16 that I have an outstanding debt to XXXX, who reported to me on the same date that my account is current. Trans Union refused to provide me with written documentation in understandable form, stating that the previously reported ( XXXX, 2016 ) error in their records has been cleared up and should show no balance due. This problem began with XXXX XXXX XXXX sending my statements to a non-existent address and failed to contact me by phone when payments were not received.
This debt appeared on my credit report. No information ha been received as for the debt, it was previously reported for XXXX with another collection and it was verified - is a nee company Franklin collection has not informed of debt on my credit.. no written documentation or bill.
ordered a dress on the internet and paid extra for specific measurements. Dress came XXXX inches longer than the measurements. Their web site stated that if measurements were off by more than an inch they would pay 100 % for me to have it altered. They refused to do this. Filed a dispute with my credit card company and they ruled against me because they said I did not have the tailor provide detail information on the alterations. The letter the credit card company sent me never asked me to provide this and now they said it is too late to do anything on this.
CommentIve been in contact and dispute with XXXX since XX/XX/XXXX when I acquired service for them through an authorized rep called XXXX XXXX. 
This company sold me a no contract service with my own equipment and as such I agreed. Subsequently the argument has been that I had acontract and that I owe XXXX XXXX dollars for having returned the equipment late. I 've had to endure them having removed equipmentthat I paid for, ( antenna, swim dish, install and cabling ), where they have commandered it and pronounced it theirs. THe account in questyionis # XXXX there are many emails where I have begged them to please bill me for what I correctly owe which would be the last month ortwo of service. Rather they are billing me for equipment charged as lost and it was returned via XXXX with their own tracking label. All this tothe tune of nearly XXXX dollars. Under that account, there exists a police report of a theft for the antaenna equipment that was removedand stolen from my apartment rooftop by people passing themselves as XXXX XXXX employees. This equipment was paid for by me not XXXX. Subsequently, this XX/XX/XXXX XXXX XXXX came to my roof and commandeered rooftop equipment equipment belonging to me and issuedservice to my neighbor XXXX XXXX at XXXX XXXX I live at no XXXX right below. 
I do not believe that it is lawful to do such things nor do I believe that it is a fair credit collection practice to charge equipment as lost when itwas returned and is in use by others. However there is not an avenue in court to aleviate such a matter. Please help me because I have ampledocumentation of all the above and they have corresponded with me to that effect. I need this company to remove any reports to the creditbureaus that keep emerging on all the bureaus and to actully bill for what is owed not some dreamed up charges. If this practice is allowed byUS commerce and practice, why not collect say XXXX XXXX XXXX XXXX dollars? That sound like a better made up figure thanXXXX.XXXX which the are not owed. Instead, they should make good on paying mre to restore my antennas and dish equipment they removedwithout the landlords or my permission. These are also violations as installers. ONe can not come into an XXXX unit building and act on behalf ofany tennant unless having aquired permission from the landlord. Something they did not do.WE The tennants have to ask for permission toinstall equipment on our roof. Certainly XXXX XXXX or any other installer has to do the same to remove or install gear on the roof. My e mailaddress is XXXXXXXXXXXX and I welcoe the ability to correspond with the attorney general in providing pictures and emails re thislong drawn issue. Please have them remove the reporting to the credit bureaus as an issue that is fresh this month. It is an old account that isnot by any stretch reported accurately nor validated. 
Your CommentsI affirm that the foregoing information is true and accurateYesBy filing this complaint, I authorize you to send this complaint to the party named, and for that party to communicate, includingdisclosure of nonpublicpersonal information, with the Attorney General 's office concerning this complaint
XXXX XXXX XXXX XXXX . They keep fepressing my crefit report. Firxt thry said I opened an account or they started collections on XX/XX/XXXX. The XXXX account was originally cvlosed with XXXX in XXXX. They are making it seem like it 's a new debt collection, but it 's not. They are making updates on my Crecit report every month now and that 's unfair. I filed a dispute with XXXX in XX/XX/XXXX stating the date is wrong, but nothing was done. They are trying to extend this old collection out making it seem like it 's a new collection when it 's not. How can you help me? I 'm tired of these agencies taking advantage of consumers. I was laid off and could n't pay my bill back at thst particular time. This is unfair. At least state the original date of the XXXX debt instead of tge date they decided to start putting the wrong date on my reports. Thank you
They continue to call my work after I asked them not to. They are rude and said it was a claim against my social security #. Then the next day it was a recording with my name on it. And today they spoke to someone at my work asking for verification of my employment and the fax #. Then they said they will send someone over there to hand deliver. I already spoke to them and told them I do n't have {$9800.00} to pay them and to send anything to my home address.
On XX/XX/2018 Capital One has sold my account ( # XXXX ) to XXXX XXXX XXXX XXXX. But Capital One is still reporting this account on my credit file XXXX  XXXX and XXXX as a charge off. The information on this account do not match, date of last activity are inaccurate. Further more Capital One no longer owns this account so it must not be reported by them and deleted or removed from my credit file permanently. Pls investigate and send me any updated information on this complaint. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hi, XXXX XXXX XXXX XXXX XXXX
I made online transfer ( ACH ) {$2000.00} from my checking account to COINBASE, INC on XX/XX/11. The coinbase website stated that the money will go to my account in 7-10 business days. It has been 25 days so far. And I have filed a ticket to coinbase support, but received nothing so far. My ticket number is XXXX.
They have identity on all 3 of my credit report Equifax, XXXX XXXX, XXXX  credit reports. They are reporting wrong information. accounts I never opened. In know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX XXXX amount of XXXX. 2 accounts from the same company. account XXXX XXXX XXXX amount of XXXX. 2nd account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud. None of these accounts I have no knowledge of. 
I am willing to prosecute.
I am not sure how they received my work telephone number  but Navient has now called me 3 times on our main business telephone number at my employer. They  were told that I did not want them to call me at work but they continued to call.
The company ( Collection Bureau XXXX ) accepted funds to legally settle a debt ( Montgomery Ward ) but never provided information that the debt was settled. They never refunded me or the debt management company XXXX XXXX XXXX XXXX XXXX I was enrolled and working with. I would like for them to refund my money. My account was paid off by me in full. If they had actually completed the settlement when they received the funds my credit report could have been updated correctly for a long time prior to me paying the debt off in full. XXXX responded to me about the arrangements are as follows : Montgomery Ward - XXXX. And the rep confirmed the same Account Number to me as well. 

The settlement we had worked out with Collection Bureau XXXX was for {$120.00} on the balance of {$240.00}. We paid off the amount in the manner as follows - {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. 
{$62.00} on XXXX/XXXX/2013 -- Check By Phone payment.
Two accounts ending in XXXX and XXXX, have incorrectly listed dates of when they became past due. Due to the failure of the University of XXXX, the original creditor, to report the correct first date of missed payment, to the consumer agencies, the date of removal from my consumer report is incorrect. I have attached direct correspondents with XXXX a representative of the University of XXXX, and the person that reviews these disputes. 

In the correspondence XXXX clarifies that the due date for the account ending in XXXX was XX/XX/XXXX, thus establishing the date of first delinquency. This is in divergence to the date of XX/XX/XXXX reported to the consumer agencies. XXXX establishes that the date of XX/XX/XXXX is actually the date that the past due account was forwarded to a collection agency. 

For the loan ending in XXXX XXXX establishes that as the guarantor of the loan the University of XXXX purchased the loan that was already in default and subsequently transferred it to a collection agency. The date of Advance to the collection agency, XXXX, is XX/XX/XXXX, that is also the date listed on my consumer report as the open date, and the erroneously used to determine the fall off date. The correspondence establishes that the date of first missed payment that leads to the cause of action happened well before the university purchased the loan as the guarantor. XXXX also establishes that the original advance date of the loan was XXXX : clarifying that the institution that she represents and is reporting to the consumer agency is unaware of the date that leads to the cause of action. 

Furthermore, XXXX in a preceding email states that these accounts should fall off my credit report in XX/XX/XXXX, seven years from date of last activity ( paid in full ) instead of the date of delinquency, indicating that she is woefully unfamiliar with or disregarding the FCRA. I have now made multiple attempts to have these issues rectified, directly with XXXX and with the credit bureau, and thus far have only been able to have debts erroneously reported as still owed marked as paid. 
The credit bureau has failed to investigate the claim, instead they suggest that I dispute the item each time I speak with them. That has worked to no avail as they close the dispute after the University states the information is correct, even though the documentation submitted to the credit bureau shows otherwise.
About 3 week ago I applied for a loan for a used car ( {$25000.00} ) with USAA. I paid ( {$2500.00} as a down payment for this car ). When speaking with the loan agent before I had taken the loan I inquired ( twice ) if I would be able to pay off this loan by using my Credit Card. Twice the USAA agent assured me that I would absolutely able to pay off my USAA loan by using my credit card. So with that information I proceeded to get the loan. Today, XX/XX/2018 I called USAA to pay on my used car loan by using my credit card. The USAA agent said that I was unable to use my credit card to pay from my loan! So I asked to speak with the manager, which I did. The manger again stated I was unable to use my credit card and that the loan agent would be trained on policy of payments. I stated to the USAA manger that I was sold a fraudulent with bait and switch information to get  me to sign off on the loan. Today I posted on USAA 's XXXX page about my experience as I am looking for USAA to follow through on their promise so that I may proceed on making loan payments ASAP
I have XXXX inquiries on my XXXX credit report over a 2 year period from SYNCBPAYPALEXTRAMC XXXX. XXXX XXXX XXXX, Florida XXXX. I have never applied for any credit card through this company. I have called them 4 times to inform them that those inquiries are not mine and asked them to be removed. Each time they promise to remove them and never do. They did put a fraud alert on my account. I have written two letters as well. I received one letter of apology declaring they will remove the inquiries and a second letter stating that they need proof and that the XXXX different credit monitoring programs I use are not proof. They wanted the report directly from the credit bureau. I sent them the exact proof directly from my TransUnion report. Instead of fixing it, on XX/XX/XXXX they added the XXXX inquiry. This has lowered my credit score significantly and is unacceptable as I am going to move soon and can not afford this on my report. These are not mine and I should not be penalized for this SYNC PayPal 's fraudulent practices and lack of a timely solution.
I lived at XXXX XXXX XXXX XXXX, which is now XXXX XXXX, this was back in XXXX of 2015, I resided there XX/XX/2015 until XXXX of 2015 after my health condition was diagnosed as XXXX   XXXX XXXX, at this point I had to stop working and then was in the Process of moving back to XXXX with family to which I informed the management company at that time which is no longer there, with this being said I was told that I would be able to work something out with them, to no avail this did not happen I did owe some back rent but not to the amount which is being claimed. this is not the company I rented from and they have added an outlandish amount of {$6400.00}, I am currently XXXX on XXXX and unable to this on my report trying rent with this on my report. 
I look forward to hearing from you going forward The Company 's Name is Ideal Collection Services XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX
I bought a mattress with a 0 % APR over 3 years with GE/Synchrony. I had the account set on auto-pay, believing that the amount determined would pay off the loan within the three allotted years. Then, one month prior to when this time period ended, I received this letter : " Thank you for using recurring payments to make payments on your XXXX XXXX/SYNCHRONY BANK account. The amount of your upcoming payment for the account stated above, has changed from what was previously disclosed in the Cardholder News and Information section of your last billing statement. This decrease is due to recent activity on your account since your last billing statement.
Your new payment amount is {$0.00} and will be posted on XX/XX/XXXX.
If the new payment amount above is greater than XX/XX/XXXX, the payment will be deducted from your bank account on the scheduled date which you previously specified. If the new payment amount noted above is {$0.00}, it may be because recent activity or additional payments have reduced the payment amount due. It may also be because you have discontinued your automatic payments. If you have discontinued your automatic payments, please refer to the Payment Information section on your billing statement to determine the required payment due. '' Please note that I had not logged onto my account since I created it and set up the autopay. I was led to believe that my loan had been paid of and no longer looked at the account after I received this letter. However, I found out yesterday that the entire balance was not paid off on my account had jumped from {$1000.00} to {$4000.00} from one statement to the next, and that I have been charged $ 150+ since XX/XX/XXXX and that I still have a balance of over {$4000.00}.
I called the credit card company, and they were insistent that my invoice for the following month would have mentioned that my notice saying that the 0 % APR promotional period was ending, but they were unable to procure the statement that purportedly said this and there are no online records that are accessible from XX/XX/XXXX. Moreover, no explanations could be provided for why I received the aforementioned letter above which said that my new account payment was reduced to {$0.00} ( not by my own doing since I had not logged onto the account since I was required to create one ).
I believe that this is a scam and the bank has knowingly misled consumers. All I want to do is pay off my original principal and not an extra {$6000.00} in interest that I was not even aware of! I had been abroad and traveling since XX/XX/XXXX and was unaware of what was happening until now. Again, I RECEIVED NO NOTICE AT ALL THAT THE 0 % APR promotional period was about to end, and now I have already paid {$2000.00} in interest and owe more than {$4000.00} more in interest on a mattress that originally cost {$4000.00}. If I had known this were the case, I could have easily paid off any remaining principal if I had any notification at all.
I believe the credit card company did this on purpose to mislead consumers.