WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of last year a {$60.00} collection suddenly showed up on my credit file and I immediately contacted the collection agency " XXXX '' about the account. I was immediately informed that the address they had on file was not the correct address and the letter they sent to me never got to me so that I could pay the bill before it ever went to collections and reported on my credit report. The agent agreed and it was understood that as long as I paid the {$60.00} account they would immediately remove the account from my credit report due to not having the right address on file. This conversation took place on XXXX XXXX, XXXX and I was told it could take up to 30 days. As of XXXX XXXX, XXXX the account had still not been removed from my credit file so I called them back and spoke with XXXX, the supervisor and she ensured me the account would be DELETED from my credit file within the next 24-48 hours and if not to call back as well as she would be sending me a letter. Here we are XXXX XXXX, XXXX and I 've called twice and left messages and have yet to have anyone call me back and the account is still listed on my credit report. I am in the process of purchasing a home and this is hendering my score. I only want them to keep their word as I did mine when I paid them.
someone steal all my identity and been using my name and i do n't think its fair for cable bill to be mines
My XXXX year old mother was recently diagnosed with XXXX XXXX XXXX. As a result, I took over her finances and noticed a recurring charge for XXXX XXXX against her Bank of America account for $ XXXX/mo dating back to 2011. My mother did n't know what this, but I soon learned that BofA had settled with the CFPB for what amounted to over {$700.00} XXXX in total. The problem is that they are still at it. They 're using the trust developed between consumers and their banks over decades to sell worthless services to vulnerable consumers. My mother was ensnared by the practice years before her XXXX XXXX. Her crime was trusting the bank she 's done business with for decades. It 's upsetting. In the 5+ years that she was 'enrolled ', they stole about {$700.00} from her and I 'm sure her story is repeated far and wide. It 's really disgusting. Luckily for us, {$700.00} is not a great deal of money, but I 'm sure it 's a lot for the many other victims.
The company that manages my loans is Navient. For years they have called my cosigner saying that I hadn't made payments, when I had. They also continually " lost '' my auto payment information so that they could collect late fees when the payment inevitably did not go through. They will not release my cosigner. And they seem to bury information making it difficult to understand repayment methods, fees, and process.
After I enrolled in automatic debit for monthly payment, New American Funding debited XXXX payments for the XXXX payment from my checking account, once on XXXX XXXX and the XXXX on XXXX XXXX. The loan payments were not overdue and there is other legal basis for taking the XXXX payment. They applied the XXXX payment to XXXX even though I repeatedly asked for the money back. I did not authorize the taking of any extra money, just the payment due for XXXX month at a time. They refused to explain why the extra payment was taken and refused to put it back into my account the same way they withdrew it. This was an overdraft in my checking account. I have no resources to cure the overdraft, so my bank levied {$34.00} overdraft fees at least XXXX times + another {$10.00} for transferring my entire savings to checking even though it was n't enough to cure the overdraft. After pleading on the phone with their agent XXXX XXXX she told me it was arranged for the money to be put directly back into my account and gave me confirmation # XXXX. After 2 days, I contacted XXXX XXXX to tell her the money had not been deposited. She replied a check would be mailed on XXXX XXXX. New American Funding would reimburse a stop payment fee but not any overdraft fees. By the time that check arrives and I take it to my bank to put in my account it will be 3 weeks since it was taken. New American Funding cost me much more than the extra payment, I have multiple bank fees and expect late payment fees from various creditors who could not be paid on time. That alone impairs my credit record. I am retired and live on a fixed income that is just enough to cover my needs and put a little aside in savings, so without that money my family & I are suffering severe hardship we needed that {$1300.00} for food, utilities, fuel and other necessities of life.
On XXXX XXXX, 2017 I asked Navient to provide me with ALL documentation for my loans. They only provided 2 Promisary Notes for my Private Signature Student loans. I have NO documentation on my federal loans. Further more, I do n't know the specific amounts of interest, fees, or principal that I have paid on any of my loans. I suspect they have not been applying them properly which is why after 12 years, I have paid $ XXXX, which is more than my total amount borrowed, yet I still owe them a ton! I believe they are being unethical and at this point my debt should be forgiven.
I disputed the validity of multiple accounts on my credit file. I requested validation of the debt being collected directly from the creditors and from Experian. Experian is not properly verifying the data from the furnisher as I have not received any documentation from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX Additionally XXXX and XXXX are collecting the same debt but reporting them with slightly differing amounts due and opening dates, this should have been corrected during Experian 's original investigation. I attempted to resolve this through their online platform, however ; my request was denied due to " duplicative disputes ''. 
Finally Experian is the only credit reporting agency still reporting the XXXX despite the company 's request to withdraw the information from my files due to their inability to validate the account.
The action of the debt collector is on a expired statute of limitation greater than 6 years old. The debt collector acts as fourth party to collect debt, originally XXXX, then Capital One ( acquired XXXX 2011 ), then indicates current creditor is XXXX XXXX XXXX , XXXX ( debt collector under Federal law is not : A creditor ), and fourth party debt collector XXXX XXXX XXXX XXXX seeks to collect on the " Re-Aged '' debt. The debt is not owed and the debt collector can not act as " Creditor '', violating Fair Debt Collection Act
American Express Credit Card - Standard monthly payment on the XXXX of every month - On the XX/XX/XXXX, multiple fraudulent payments to balance were attempted. Amounts were : {$4500.00}, {$4500.00}, {$3200.00}, {$4000.00} - Amounts did not clear my bank, and were sent back as return payments. 

- As a result of 4 return payments, credit limit was lowered from {$12000.00} to {$7700.00} - Additional fraudulent payment of {$7500.00} was scheduled on the XX/XX/XXXX, but was canceled ahead of time by me. 

- Fraudulent bank account was added to my account on XX/XX/XXXX - Called on the XX/XX/XXXX to American Express, assured by agent that the payments ( then unknown as fraudulent ) were not actually taken out. No other resolution - On XX/XX/XXXX after receiving notification of additional {$7500.00} scheduled fraudulent payment, called 4 separate departments to American Express, who helped me figure out the payments could be fraudulent in order to gain access to the immediate credit on my account following a payment. They gave me two options to attempt to restore my credit limit : - Submit proof of wage documents to start a credit limit raise application, told by Customer Service that this was likely to be denied due to credit score and outstanding debt -Pay a sum of around {$3800.00} by XX/XX/XXXX, which was the difference between my previous credit limit and my newly lowered limit -Passwords and information changed securely on the XX/XX/XXXX. Do not believe fraudulent activity will continue
I have been paying on equity line of credit for 10 years which was an interest only account I had no idea this I have been paying {$19000.00} and now I still order complete {$50000.00}. 
These in my Pinyan a predatory practices and out unlawful I have tried to reach them by phone and have been sent from phone call to phone call with no response. what they have done should be unlawful. I will have paid {$100000.00} by the time I 'm done.
In XX/XX/XXXX, a Collection Matter appeared on my Trans Union and XXXX credit reports, in the amount of $ XXXX Collection was an alleged amount owing to XXXX. 
I disputed this Matter, and it was removed from my XXXX and Trans Union credit reports, in late XX/XX/XXXX 
As of XX/XX/XXXX, the inappropriate Matter has been reinserted to both my Trans Union and XXXX credit reports, this time, under the name of XXXX. 
The amount of {$660.00} is the same, further proving this is the same alleged Matter, again misrepresented by another Collector. 
I ask that this inappropriate information be once again removed from both my Trans Union and XXXX credit reports. 
Should you have any questions, please do not hesitate to contact me at your earliest convenience. 
Again, thank you for your continued assistance with this Matter. 

Sincerely / XXXX XXXX XXXXXXXXXXXX
On XXXX XXXX,2017 the employing company agents ( Plant Manager and Controller ) asked me into an office where they proceeded to tell me that I was being put on administrative leave of absence due to my criminal records check being too extensive. After being told to produce a written statement in dispute of the item ( s ) and being escorted from the premises, I read the report which gave information pertaining to a record nine ( 9 ) years old. The State of Ohio laws allow records searches to go back for seven ( 7 ) years ONLY. Thereby the reporting company ADP put my career at risk by reporting information that is too old and redundant. The employing company, XXXX XXXX, has negated from correspondence and rehire.
Me, XXXX XXXX I did the past XX/XX/XXXX a XXXX  USD money transfer from XXXX to XXXX   with the company MoneyGram and never arrives to the receiver XXXX XXXX (account number XXXX XXXX XXXX XXXX // XXXX XXXX // Order number XXXX) I'd contact the last time with the company on XX/XX/XXXX and they open an investigation about with the number XXXX, after that it was imposible for me to contact again with them and I been losting my time and money calling to the company.After two months trying to fix it with the company MoneyGram it's still not fixed and I don't know where is my money.
I am making a consumer complaint against the digital payment service   Paypal.
I think I opened my Paypal account about ten years   ago though I am not completely sure about that. I used the account for occasional  XXXX  transactions and personal payments ( ie, reimbursing a roommat e for rent ). This  was not a heavily used account. In  XXXX   XXXX , I tried to receive a personal payment and was informed that my account was 'limited '. They did return the money to the payer, so my complaint does not include improper holding of funds.  Paypal woul d not tell me why my account was frozen other than there was 'suspicious activity ' with my bank account. I contacted my bank and they had no record or flags of anything suspicious with my account.     To unfreeze my account,  Paypal requeste d that I email them copies of my driver 's license and a current bank statement. I felt that requiring a DL was a violation of privacy as they already had my SSN, address, and bank account info on file. I chose not to do this and accepted that I no longer ha d a Paypal account. Ab out a year later, I wanted to sell something online so I tried to unfreeze my account. I emailed them a copy of my bank statement and a scan of my DL though I did blur out the number out of privacy concerns. I have no idea how Paypal intended to keep this info secure and felt it was not in my best interest to share my DL number. Their claim of suspicious bank activity could not be verified by my bank so I hesitated to trust them with more of my data.     After their recent loss in a class-action suit in CA regarding improperly freezing user accounts, I contacted them again in  XXXX   XXXX . This time I was told that my account had been frozen because my bank account number had been reported stolen. I asked them why they had not alerted either me or my bank at the time they discovered this. The representative said that is not their policy. The phone rep said I could email in a clear scan of my DL and a bank statement and my account would be unfrozen. He said he would send me an email containing a link to a secure site to upload these documents.     The email never came, and when I shared this information with my bank they were not aware of any issues with my bank account regarding stolen account numbers.     I am making this formal complaint against  Paypal for d  e ceptive business practices. The reason they froze my account could not be verified by my financial institution and they have demonstrated an unwillingness to correct their mistake.     While I have not suffered outright financial loss, the service they provide is nearly a public utility in the area of online commerce. Without being able to move funds through their service, they have effectively rendered me unable to participate in buying and selling online.     What can be done?
In XX/XX/XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XX/XX/XXXX to XXXX XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A 2nd certified letter dated XX/XX/XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XX/XX/XXXX to Experian requesting the same information and nothing has been done by either XXXX XXXX or Experian.
Since XX/XX/XXXX, over-payment of escrow account, where M & T Bank   refused to credit mortgage account and pay down principal as requested numerous times over the phone. Only attaching a note on my bill, " ... Our records indicate that M & T has sent you a refund check that you have not cashed yet. Check # XXXX, dated, XX/XX/XXXX in the amount of {$220.00} ... '' ; and I just read this, on or about XX/XX/XXXXas I recall, I spoke with someone in XX/XX/XXXX, where they told me they applied this to my principal per a phone conversation back where I exclaimed, this should have been done back in XX/XX/XXXX, and the customer service representative said it was! Again speaking in another phone call in XX/XX/XXXX where M & T, stated over the phone, they had applied the over-payment to principal, yet here it is XX/XX/XXXX -- and the above message has not been removed from my monthly bills. Has monies been wrongfully misplaced on purpose? How many more customers had their overpayments not cashed and given the option to have credit to escrow/principal paid instead? Is this a violation of the FHA/HUD Rules & Reg.? Someone was lied to, and can be backed-up to that effect, including any mishandling of funds, as the amount of mortgage payment should be less than {$1500.00} per month .... Please enforce the correct payment amount, as anyone who studies math, knows numbers do not lie. Escrow is knowable, especially since the numbers for the year XX/XX/XXXX were released and M & T did nothing to correct monthly payment amounts. The false amount placed in escrow by M & T is fraud. Including since they're raising the monthly payment amount they state I am short in the escrow, which is less than the amount they still owe in back principal. The shortage amount for XX/XX/XXXX, was about $ 170+/-, and where M & T raised monthly payment amount this year. Please slap them with a fine per the rules, credit my account back principal, and re-calculate actual payment amount as ESCROW TAX AMOUNTS HAVE BEEN RELEASED FOR THE XX/XX/XXXX-XX/XX/XXXX, and is knowable down to the XXXX, where I should be paying less than $ 1500/month ; M & T is charging, {$1500.00} -- which is more than previous year, and where if principal had been credited as they said they did, what would that amount be today? Per the XX/XX/XXXX bill  amount was {$1500.00}, and where they did not credit the $ XXXXwhich would have been a reduced payment amount. Please credit from XX/XX/XXXX and using the TVM~Time Value of Money equations, recalculate new principal amount with above applied credit and supply a new escrow to establish the correct payment amount due for per month for the year XX/XX/XXXX. Not withstanding anything less than a fine, and a credit of interest per both federal and California State Laws for wrongful mishandling of escrow balances and defrauding monthly payment amounts.
This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - DEPTEDNELNET. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XXXX/XXXX/17, XXXX/XXXX/17 to DEPTEDNELNET, did not hear back from them on both occasions. XXXX XXXX AND XXXX are reporting negatively on my Credit files and they all need to remove them immediately. Nel Net information is fraudulent and inaacruate and that they need to remove DEPTEDNELNET IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX XXXX, AND XXXX or DEPTEDNELNET. As of XXXX/XXXX/17, DEPTEDNELNET is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/2017 so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help
I had a vehicle loan with GM Financial ( Acct # XXXX ) which I refinanced to XXXX XXXX XXXX XXXX XXXX XXXX last month. At the time I refinanced my payoff amount with GM Financial was {$28000.00} and XXXX XXXX XXXX XXXX XXXX XXXX wrote them a check for that amount on X/X/17. GM Financial cashed tgat check on X/XX/17 but has not applied the funds to my account, trying to charge me the full balance of my loan plus additional interest since the time of refinance. They initially tried to tell me that the bank reversed the payoff but I have proof that the check was cashed by them. I have made numerous calls to GM Financial, as well as my bank, and faced GM proof that they deposited the check written to them like they requested. They still have not applied the funds they have recieved to my account resulting in me being charged on two loans for double the amount I should actually owe. This has also adversely effected my credit.
I am filing this dispute against XXXX for violating [ 15 U.S. Code 1681i ( a ) ( 7 ) ]. I have copied and pasted that statute below. TransUnion has failed to provided me with documentation used to verify the items I disputed in my credit report after I requested that information. 

15 U.S.C.A. 1681i ( a ) ( 7 ) says : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

15 U.S.C.A. 1681i ( a ) ( 6 ) ( B ) as quoted above says : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableBackground Information on my recent dispute with TransUnion : I did dispute items in my credit file with TransUnion and they did provide a timely response letting me know that they " verified '' the disputed items. Upon receiving the letter from them that said the items were verified, I sent another letter to them requesting information on the procedures they used to determine the accuracy and completeness of the information used to verify items I disputed. I have certified mail documentation evidencing that Equifax received that request on XXXX XXXX, 2015. 

TransUnion subsequently sent me a response and a credit file dated XXXX XXXX 2015, # XXXX. I received that on XXXX XXXX, 2015. Not only was that letter received AFTER the 15 day maximum requirement, that that letter did NOT provide me with ANY of the information used to verify the items in my credit file that I disputed as I requested. 

Instead, in that letter, TransUnion stated " Our investigation of the dispute you recently submitted is now complete. '' It appears to me that my request for the documentation used to verify the disputed items was totally disregarded. This obviously is a direct violation of the part of the FCRA that mandates that they must provide documentation used to verify items disputed, if requested by the consumer. 

I have been well within my rights to dispute items on my TransUnion credit report and request documentation used to verify the items disputed. In good faith, I expected TransUnion to respond by providing me with that documentation so I could better understand what is being reported and why in addition to the fact that the FCRA requires them to do so and in a timely manner. That was the last communication that I have received from TransUnion and they have failed to comply with XXXX U.S.C.A. 1681i ( a ) ( 7 ) to this day.. This is completely not fair to me and I am sure the CFPB also expects TransUnion to comply with ALL applicable laws in dealing with my dispute and others.
my home equity loan with m & i bank in XXXX wi. was bought by bmo bank after about 5 years, after paying on it another 5 years never missing a payment and always on time. they told me it had come due and they would not renew it. there was no due date on my contract with m & i. i have a XXXX credit score. and have never been late on payments or filed bankruptcy. bmo advertises, were here to help. not in my case.they want to go in default with it. i dont know what i can do. please help