WillisBack/dataset-financial-user-claim huggingface dataset:
My problem is multi-faceted. I have two existing credit cards. HSBC and XXXX XXXX XXXX. On XX/XX/XXXX or XX/XX/XXXX I initiated a balance transfer with HSBC to pay off {$5100.00} on my XXXX card. I initiated this on-line. I thought I had a valid 0 % interest offer. I called after I did this to inquire how long it would take and at that point I found out the offer had expired. I asked to cancel and was told I had called/requested to cancel within the cancellation window and it would not go through. It went through. HSBC told me I was responsible for working with XXXX  to have the money returned. I feel that is really was not my responsibility, but I tried. I am now at the point where XXXX returned {$5000.00}, NOT the full {$5100.00}. I was told this is because I had a payment due and I would have been late on the payment. At no point was I talked with about this, if I had been I would have made the payment ( the difference between the two amounts. ) At this point, the check is in the mail to HSBC for {$5000.00}. My stance is this ... XXXX should have returned the full amount to HSBC because the money is not mine and it is not XXXX 's, it is HSBC 's. I look at it as XXXX making an unauthorized charge to my HSBC account ... illegal, in my mind. I have been told contradictory things from XXXX throughout this process and at this point, depending on who I spoke with, they have issued up to 3 checks at this point ... one to HSBC which they say I asked to have cancelled. One that I was told was being sent to me ( it was already in the mail ) which I DID request to be cancelled ( after two weeks, I still have not received that check ). And now this latest. At one point XXXX   told me NOT to make payments until this was resolved. More recently I was told by XXXX to make payments to BOTH until things got settled. I have more examples. The resolution : XXXX returns ALL {$5100.00} to HSBC and HSBC removes all finance and transfer fees as I otherwise have a {$0.00} balance on the HSBC card. As of yesterday, I made a {$2000.00} payment to XXXX on the balance with them, which should be {$5100.00}. I also feel this should be referred to regulatory agencies, especially because of the XXXX actions.
I have repeatedly tried to speak with this company and this is the third complaint I have against this company. On XXXX XXXX, 2017 I paid {$260.00} and some cents, when I checked my credit report it is still showing I owe them {$2.00}, XXXX. Even though we are in an agreement for the payoff amount of {$510.00} to be made over two payments one which was paid on XXXX XXXX, 2017 and the other on XX/XX/XXXX for the balancing amount. When I asked about why is it still showing, he ( the staff attorney ) told me that is how they company work until I pay the full amount. Now it is showing that my account needs attention, which it does n't. I truly do n't understand how these people think it is okay to keep messing with my credit report, using the fact that my Escrow account have a lot to do with it. When I cancel my insurance that Escrow Account should be done. I do n't even understand what he is talking about and the fact that he keeps bringing up the Escrow account what does that have to do with anything. My home has always been tax exempt and it is recorded at the Parish Office where I live, so how are they paying taxes on a tax exempt home and where is the money that they supposedly paid for my taxes on my home. To my knowledge I am the one that put the money in my escrow account but according to him it is something I owe to them. this truly has be in a daze. The escrow account money should be returned to me and from what he is telling me it does n't. This has gotten totally out of hand, this company have toyed with me from the beginning and is still doing that including sending me late payments bill. Once I came in agreement with the payoff amount it should void everything else out and for this company it does n't.
I was called from phone number XXXX XXXX/XXXX/XXXX Wed XXXX on my cell phone which has been registered for over a year on the do-not-call registry. They left a message which I transcribed as best I could : " We have an important message from XXXX XXXX XXXX. This is a call from a debt collector. Please call XXXX. '' I called back and reached them. They immediately asked my name. 

Since I have no debts, I knew this was the start of some kind of identity theft scam, so I refused to give them my name and the conversation ended there. 

I wanted to report that this company is using the kind of tactics which are a prelude to identity theft, making them a very suspicious company.
I sent them the document in this complaint and I got the letter from them dated XXXX XXXX. I then called them om XXXX/XXXX/2017 and they told me my document that clearly states that I paid it in full, was not good enough. I called the XXXX and told them what had happened and they were baffled that it was still on my credit report. They told me to write a complaint to you.
I checked my balance late XXXX on XX/XX/XXXX, my balance was XXXX dollars plus change. The morning of XX/XX/XXXX, I checked my account to find the balance much lower. I checked my transactions to find I had been double charged for the following purchases. 
XXXX : XXXX, XXXX, and XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. These amounts were again deducted from my balance and total XXXX. I called my bank, Capital One, and they explained a glitch had occurred and it would be fixed by the next day. Later on that same day, I made a deposit of XXXX at Capital One Bank. After the glitch was repaired, my balance was much lower than it should have been. I was expecting to see a balance of about XXXX and the account showed XXXX. These transactions came in overnight, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I spoke to customer service and a manage by the name of XXXX at the bank 's XXXX number just to be told the bank was correct. Obviously I do not agree. My balance of XXXX, deposit of XXXX and elimination of XXXX double charges minus the XXXX overnight charges, my balance should be greater.
I was granted a trial period of 3 months, but they didn't lower the payments so was still struggling to get the last payment in. On the last day of being able to make a payment I was unable to pay online and was on hold for 45 minutes so unable to make a phone payment. At the time I didn't know it was the last day they would accept payment. 

Ever since I have been trying to work through another loan modification and I have been sending so much paperwork in, and when I talk to the people on the phone they tell me everything is fine and that they have everything. 

But I don't always get the same answers and I never know who to believe. Recently I called 4 times in 2 weeks a Thursday and then Tues, Wed, Thurs the next week and everyone I talked to said I had all my paperwork in. 

But when the Attorney General received my paperwork and tried helping me out they started to say that one of my papers was outdated and they closed my account. They told him that they tried contacting me and they sent me letters but, I would like proof because I never received the letter saying I needed an update date, and why didn't the people on the phone inform me? 

I haven't heard from them in what seems to like a year until the other day, That is what prompted my call to them the first Thursday mentioned earlier the person I spoke with worker XXXX around XXXX central time said he didn't know why I got a phone call because everything looked fine. 

How can I turn in something I didn't know they needed. This keeps going on, I keep getting mixed messages, and they drag things out so long that I have to resubmit everything I already submitted but with new dates. I have re-dated this from " hardship '' at least 3 times. 

Please help us save our house I have XXXX grandkids living with us along with my daughter, son-in-law and boyfriend who also owns the house.
I sent two certified letters to XXXX XXXX, a company that is reporting to the credit bureaus. The first letter of dispute was sent on XX/XX/XXXX and was received in their office onXX/XX/XXXX at XXXX. They never replied with any proof of my obligation to pay what they are reporting. The second letter of dispute and request for verification was sent certified on XX/XX/XXXX and was received in their office on XX/XX/XXXXat XXXX. They never sent me anything in return. My 3rd attempt to clear this up was sending a certified letter to the credit bureaus which I did on XX/XX/XXXX. It was received by experian on XX/XX/XXXX at XXXX and they have already sent me an email stating the information was verified. I called today and asked for the documentation that proved the information was correct and they said they dont have that information only that it was verified. The burden of proof is on the credit bureaus not the consumer. They are reporting without even responding to my letters and the credit bureaus dont even verify real documents, real proof.
On XXXX XXXX, XXXX, I submitted a dispute to Equifax. As of today, XXXX XXXX, XXXX, the dispute remains " pending ''. The inaccurate information remains on my credit report.
NCB Management Services has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. NCB Management Services is NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.
I have submitted disputes with Transunion, XXXX, and XXXX about balances and incorrect reporting of student loans and also student loans that do not have contracts. XXXX  and Transunion has refused to dispute these items and did not validate or verify information with the companies but stated that they were valid and updated while none of the accounts were updated or valid. Upon asking for re investigation it was denied although the accounts were never investigated. XXXX investigated the accounts and deleted them because there are no contracts and and are also reported incorrectly/open close dates/amounts/ balances/etc. I am seeking the method of verification from transunion and XXXX as they are not valid and there are no contracts for these accounts. I am adding the disputes so that they can be re investigated validated and deleted immediately. The Credit reporting bureaus Refuses to investigate items but will state in dispute letters that it has been investigated upon contacting the company the companies state that they have not validated or verified any information with the credit reporting bureaus. I have attached the dispute to this complaint
I submitted an online application for a student loan consolidation with XXXX XXXX XXXX on XX/XX/XXXX. Funds were dispersed XX/XX/XXXX to pay off various private student loans. The total amount was {$69000.00}. PRIOR to disbursement of the funds, I was not provided a promissory note, nor was I made aware of the terms of the note, including the interest rate, the manner in which payments would be applied and/or any default terms. In XX/XX/XXXX, Discover Student Loans purchased my loan. 

Around 4-5 years ago, I was curious about how much I had paid on this note and what I had left to pay. I was shocked to discover that of over $ 50K in payments, less than {$2000.00} went towards principal. I started to look into information like where they got the interest rate from, terms of re-payment, etc. I asked repeatedly for a signed promissory note that detailed these items out. They repeatedly told me that they got the interest rate from the promissory note. 

They sent me the application I submitted through XXXX and a generic promissory note that did not have my loan number on it, my name on it, and was dated a full two months prior to me having applied for the loan in the first place. Over the past 12 years, I have paid {$68000.00} towards this note. I was continually threatened with them " charging off '' the loan, even though they lacked the terms and conditions in a promissory note that would result in a charge off! The continually threatened to default me, even though all I ever asked for was proof that they had the authority to charge the interest rate they were charging and evidence of any type of authority to apply payments as they have. 

I have been exceedingly patient with these people. I have asked repeatedly for documentation regarding the proof or evidence that allows for what they are charging me and I am convinced that they do not have it, and that they are aware that they do not have it. 

I was informed today that my loan " charged off '', whatever that means. I believe that any negative reporting to the credit bureaus without indicating that this debt is disputed is a violation of the Fair Credit Reporting Act. I believe that XXXX and Discover both charging the interest that they have and applying payments without the proper authority in a signed promissory note violated the fair debt collection practices act. I sent Discover a demand for settlement XX/XX/XXXX. That settlement demand was denied, but they never gave me the courtesy of a reply to inform me of that. I learned that today while calling to check the status of things. The again informed me today that the interest rate was set by the promissory note.
I was never contacted by Central States Recovery. However, they later listed four debts in XXXX on my credit bureau. These debts are listed as medical debts from XXXX, XXXX, and XXXX. These debts are clearly outside of the statute of limitations. Further, the reporting of the debts constitutes both communication and their intent is to attempt to have me pay the debts which could be classified as a demand on a debt that is outside of the statute of limitations. An action that is clearly in violation of the FDCPA as well as the Fair Credit Reporting Act, state law, and case precedence. 

I am consulting with an attorney for possible legal recourse against Central States Recovery.
I don't have specific dates and times for each attempt except for yesterday, XXXX.XXXX.18. I have called and asked WellsFargo to help me lower my monthly payment and I keep getting denied. I don't understand. My other student loans let me lower the payments. They have never lowered their payment. With multiple student loans, I am struggling to pay them. I'm behind 90 days constantly.
I 'm just trying to get XXXX to take the XXXX bill out of collections. It was paid - XXXX took it off, but it 's still showing through XXXX. 

Thanks - XXXX XXXX
I recently received my updated credit report and there is a Collection agency named Fox collection center on my report trying to collect a debt. I discovered that in the state of Florida a collection agency must be licensed and bonded and it is against the law for them to do so. This company is not licensed in the state of Florida where I reside. I would like for this company to stop trying to cease this debt and also remove this collection from my report from all credit bureaus.
This is not my account! The previous company, XXXX XXXX advised me that they were not able to verify the debt. Instead of it ending there, they sold this fraudulent account to someone else who NEVER contacted me. This is a fraudulent account and it was placed on my credit report under deceptive means! Remove it now.
This is my third attempt to get this resolved. XXXX XXXX continues to leave on my Equifax report a medical debt that is owed by my insurance company, despite my sending a letter to them with this information. 

I have now reached the next stage of having my insurance company pay this debt, despite XXXX continued reporting on my Equifax credit report and Equifax 's refusal to accept that XXXX is providing them with inaccurate information. 

I am attaching the paperwork sent to XXXX XXXX XXXX towards my efforts to get my health insurance company to pay this debt. This should not be reporting on my credit report and I once again demand XXXX cease all attempts to collect a debt that I do not owe and have repeatedly advised is owed by my insurance company. 

In lieu of this information, Equifax must also cease inaccurately reporting I owe this debt. Equifax is the only one of the three credit agencies still reporting this debt as both XXXX and XXXX have accepted all of the previous documentation I 've provided to show this is not my debt. Equifax remains the only company still irresponsibly reporting this wrong information.
Our mortgage is currently held by Seterus - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX ( XXXX ). We went through a bankruptcy / chapter XXXX and were discharged XXXX XXXX, 2015. We are in the process of refinancing with XXXX XXXX and have requested a payoff from Seterus. We have called many times and their response is always the same ... they can not issue a payoff to XXXX XXXX because they have not yet recognized the discharge/termination of the bankruptcy. They do n't seem to be willing to resolve this matter. We are locked in to a rate and are hoping to resolve this before it expires. We need your help.
I recently filed complaint XXXX with CFPB. This complaint is in regards to incorrect and inaccurate items being reported on my credit. 

I have emailed this company directly, filed a XXXX  claim, and a previous CFPB case. This information is still showing on my credit report. 

by law : FDCPA stipulates that the collection agency has 30 days to validate and verify claim against me. It has been over 120 and to date I have still not received this information. 

By law the company must stop reporting damaging information to my person or they are in breach of FDCPA and should be fined by CFPB in addition to damages owed to me.
problem started started with XXXX XXXX in XX/XX/XXXX.refinanced my home and was told my new payment would be XXXX a month.They were suppose to include my taxes and insurance.I was then contacted and told they forgot to include my taxes and insurance and jacked my payment up to XXXX.I told them from the beginning I was XXXX and .They said they were sorry but they could not help me. addressXXXX XXXX XXXX nj XXXX phone XXXX.just found out my loan was sold to chase loan XX/XX/XXXX phone XXXX ext XXXX loan officer .Address jp morgan chase XXXX XXXX XXXX, XXXX ohio XXXX.I called them and asked them if they could give me a cheaper rate and was told no, even though I am XXXX.I just received a letter and said they would refinance now and want to charge me XXXX in closing cost and XXXX in cash to close.I am suppose to have a XXXX  XXXX   loan.I am trying to find someone to help me I am a widow on XXXX.If I cant find help I will have to move.I have been in my home for 33 years.
On XX/XX/18, I received a " Pre-Legal Notification '' from XXXX XXXX XXXX XXXX XXXX stating that I owed {$2400.00} on an account ( reference attachments ). I never had an account with the original creditor, XXXXXXXX XXXX, and am not aware of any previous attempts by XXXX XXXX XXXX XXXX XXXX to contact me. I also confirmed through my credit report agency that there were no previous credit inquiries regarding this completely inaccurate account information.
XXXX from Simm Associates out of XXXX, DE. He demanded the last XXXX of the SSN before identifying himself. We finally got him to use an alternate ID. Then he identified the himself and what company he worked for. He told her the debt and ask what for type of payment for debt. We informed him that we were not able to pay it at this time and to have a nice day with that we ended the call. He called right back and when I answered the phone I asked his name and what company he was working for he hung up on me. I called the number back and he answered the phone with " This is XXXX and you have reached SIMM Associates ''. I said so XXXX with SIMM Associates that was n't hard. XXXX then starts shouting at me saying you man enough to call me back then be man enough to pay this bill. I told him that I was filling a complaint and he said he did n't care so I hung up.
my complaint is regarding few late payments that credit bureau agencies are reporting, on few of my credit cards, which i have never been late, i have mentioned that it ought to be a banking error or a mistake through creditors end, but absolutely not my mistake. please help me to proof this absolute inaccuracy to them. they need remove this inaccurate delinquencies from my credit reporting agencies, such as experian, XXXX and XXXX
The loan was paid in full by a wire transfer on XX/XX/2018 quicken loans messed up the payofff and didnt apply it until XX/XX/2018 after the help from the settlement title company. Not only are they trying to keep the extras days of interest but trying to charge us for the MIP for the month of XXXX in the amount of {$230.00}
American Express has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
We are behind on our mortgage payments and are working with a lawyer. SLS ( Specialized Loan Servicing ) keeps calling my XXXX year old mother and is upsetting her. They ask her for my phone number and keep calling her
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
XXXX XXXX placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, IL. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached XXXX XXXX Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in Texas. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting XXXX ( Now doing business as XXXX XXXX XXXX ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, Equifax, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX let the vehicle sit on that lot for 5 months and failed to notify XXXX. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that XXXX dba XXXX. XXXX XXXX immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.
My wife and I never applied for any health related magazines or books. XXXX used to and now RMCB collection agency from XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX mailed us a letter for debt collection. 

This is fraud!