WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was transferred from XXXX to Fedloan in XXXX, a couple weeks before my XXXX due date. The amount of my XXXX bill was incorrect. I had been paying about XXXX a month on revised XXXX, but the loan said I owed XXXX under XXXX. I called Fedloan and told them the amount due was wrong. They agree but blame XXXX for convening the wrong information to them. They told me to submit a request for recertification of my IBR. I did so, but a week later, as the due date wa approaching, the amount was still the same. I called Fedloan again and this time was transferred to a supervisor. They said they would rush the recalculation of my loan payment then put in an override to change the XXXX amount even though the bill had already been issued. They told me to check again in 10 days if the amount had n't changed. Ten days passed and the loan is now past due, the amount has n't changed and I call again. I am asked if I want to forebear, which I do n't want to do because I am doing PSLF and a missed payment sets me back. I am transferred to a supervisor who tells me that there is a note in their system from the first supervisor, but that what she offered to do is not possible. I need to speak to a PSLF supervisor. I am transferred there. That person offers to override the XXXX amount, but says it will take a week or two. I expressed concerns about my credit rating or any penalty for being delinquent and he said there will be no negative effect as long as the issue is resolved before 90 days past due. 
I waited the week he says to wait. My account is now quite past due, which is nerve wracking to see every time I log on to check. I called again and was told to forebear again. I was transferred to a supervisor who said he can not help. I was transferred eventually to a PSLF supervisor ( which I asked for for originally ) and was told yet again that even though there is a note in the system about the issue, that the override request was never actually submitted by the supervisor I spoke with. I was also told that because the loan is more that 15 days past due they can no longer do an override without it taking months. Instead they can forebear my loan, which I refuse to do. Eventually they suggested forebearing just XXXX and doing an override on it, which takes 6 months. In the meantime I can make payments on the other months as they bill, and then when the new XXXX amount is processed I can pay it and it will count as a payment toward PSLF. I agree to this, but the amount due and my delinquent status remains the same. I am now 28 days past due.
I have had a credit card thru Bank if America since XX/XX/XXXX. A couple of months ago I received a new card with an expiration of XX/XX/XXXX. In the letter they said there had been some type of breach on there end and was issuing new cards. 
Two months ago I tried to make an automated payment like I have done for years. A few days later I receive a letter saying it was turned down by my bank. I called the bank and was told that it had to be something on the credit cards end because my bank does not send my payments back. I had more than enough in the account but the bank don't send payments back on my account. I called the credit card company and got it paid after speaking to a human.Then I did another credit card payment this month. Few days later another letter. I called Bank of America again and spoke to someone. She told me they didn't have my whole account number even though I've been paying out of the same account for years. I've had the same account number for 34 years. 
I tried to use the card today,XX/XX/XXXX, for a XXXX purchase and it was declined. I called Bank of America and was told my card was cancelled because of the two payments that were returned. The returned payments were not because of something on my end it was the credit card companies fault. Just as soon as I received the letters I took care of the problem. It just seems like I should have some say in this after having this card since XX/XX/XXXX.
On XXXX XXXX, I contact personally a representative of TD Bank in XXXX Florida because I was trying for about 5 times to link my checking account with my XXXX  account and every time that I was executing this action I received a message in my XXXX account that said " TD Bank is blocking you from enabling external applications ''. This representative toll me that I have to wait 30 days in order to successfully link my accounts. No other solutions to this issue was offered. 
Then on XXXX XXXX, I called TD Bank customer service # XXXX, talked to a representative that told me that all the restrictions in my checking account were lifted and that I should not have any problem trying to link with my XXXX account. I tried to link the two accounts again with no success. 
Please can you help me to solve this issue?? I hope you will .... 
Thank you
Account for old car loan that that was paid off has many things on my reports inaccurately. Disputed info over 30 days ago with XXXX and Equifax.. I want to have this account removed from reports. Have screen sots and copies of all inaccurate negative items.
I have reached out several times to the court and each credit agency. I tried not to mail sensitive information and I think sending it this was is much safer. The chapter  XXXX  bankruptcy reporting on my credit report does not reflect my correct date of birth. The date of birth on the reports is  XXXX / XXXX /  XXXX   and my date of birth is  XXXX / XXXX /  XXXX  . I have now included my actual live birth certificate as well as my social security card.
Penn credit called my employer and left a message for me. They also called my personal cell phone number saying my ex-husband owed a debt. I told them my ex-husband couldn't be reached at my number. I contacted my ex-husband and forwarded the number to him. My ex-husband called Penn Credit. He asked for specific information about the debt and the rep he spoke to refused to give him specific information about this so-called debt he supposedly owed. Penn Credit wanted him to confirm his personal information and said they couldn't disclose any information about the debt due to third party confidentiality rules. Penn Credit then told him that he would need to call back to get specific information about the debt but he wouldn't be given any information until he gave them his personal information.

I'm not sure if this is a legitimate company but aren't debt collectors required to provide specific information about the debt when they initially contact individuals to try to collect the debt?
A request for a Loan Modification was filed by borrower in XX/XX/2015, Servicer Bank of America denied the loan mod on XXXX/XXXX/2015, a Short sale was submitted on XX/XX/2015, bank of America denied the short sale by stating occupancy of the property was misrepresented. 
Borrower 's homestead is the property in distress XXXX XXXX XXXX XXXX XXXX, because of work reasons her employer has given her temporary work assignment is different States, the last being XXXX, where it was just terminated and she is back home. 
The property has been occupied by her parents and her only child, they have always live in the property. 
We files an escalation with XXXX the investor of the loan and they instructed the negotiator negotiating the short sale, to submit a request though the home path ( XXXX System ), but we also needed to re start the process with BOA as well, we did and it was declined for the same reasons. 
We received a letter allowing us to the Short Sale and the same date we received a letter denying the Short Sale. 
The borrower is entitled to a short Mitigation Option and there is a purchase agreement, meeting the bank 's value. Against CFPB regulations to stop the foreclosure sale until we finished the process, ON XXXX, the bank through its counsel filed a Motion to set foreclosure sale date to XXXX. 
The borrower has a child and XXXX elderly parents who live with her in the property. 
We believe the servicer is not reading the rebuttal sent to them and is ignoring all explanations. 
Bank of America wishes to continue with foreclosure in order to later transfer tittle to institutions such as XXXX or XXXX so the properties can be sold as bulk to investor all over the Nation.
Bank of America allowed someone to access my credit reports with XXXX and XXXX earlier this year. I never authorized it and have no idea who they gave my personal information to. Now I 've had identity thieves steal credit cards and insert addresses into my report so they can use my accounts history for their own gain. It is likely that BOA is the source that has allowed these criminals to act using my credentials. BOA called me about the fraud and said they would remove the inquiries from both credit reports. They never did. I asked XXXX and they confirmed, so they removed them quickly. XXXX failed to properly investigate my dispute and it remains, hurting my credit score. <P/>I 'm angered that BOA is so cavalier about endangering my critical financial information and that it ca n't even be bothered to remove the inquiry from my reports.
I am so confused why XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
I am a victim of Hurricane Irma. I have had 5 addresses in 3 states since XX/XX/XXXX due to Irma. I have been working on looking for transportation, a place to live and reducing my debt. As such, I have had to apply to a few financial institutions to see what my options are. 
**Hence all three credit reporting agencies are stating, 'Too many inquiries in the last 12 months '. That is unavoidable due to Hurricane Irma. Please help me remedy the issue. 
**I have no credit card debt or home loan, yet XXXX and Trans Union are reporting 'Proportion of balance to high credit on bank revolving or all revolving accounts ' is high. 
**I do not owe anything on any credit card or revolving accounts yet Trans Union is reporting 'Amount owed on revolving accounts is too high. ' **I have no delinquent accounts, yet all three reporting agencies are showing that I have recent delinquencies. I do n't have any revolving debt. I only have a car payment and I have not been late. 

Hurricane Irma has disrupted my life. I have always had impeccable credit and should not be punished further by credit reporting agencies by trying to recover from a natural disaster.
Student loans are reporting late when they have always been on deferment..i have disputed with the bureaus and all XXXX have just ignored my dispute stating it is reporting correctly. I have a letter directly from fed loan servicing stating deferment and forbearance dates and they prove i should never be reporting late. Letter states beginning and ending dates of all deferment and forbearance on my accounts.
XXXX XXXX, 2016 Dear Madam/Sir : I ( XXXX ) and my wife XXXX XXXX used credit cards issued by Citi cards. Citi bank and Citi cards closed our credit cards accounts without any reason. We have used the Citi credit cards for over 10 years and always paid the monthly payment on time. It is OK if they want to close our accounts. However, they removed all " cash rewards '' or " thank you points '' from the last statements of all our cards. This is unacceptable. We sent two letters to request for solving these issues. They responded that they can forfeit the " cash rewards '' or " thank you points '' upon closure. It is unfair. We are looking forward to getting helps or suggestions from you. We think there are maybe many other Citi cards clients were treated in the same way. We want you know these issues and help us to get necessary protection. 
I have enclosed copies of two statements ( last one and the last one having card reward value on it ) for each card, a letter from citi cards, two our letters to citi cards. 

Thank you for your attention on these issues, Sincerely, XXXX XXXX
My Complaint is against. Trans Union Credit Bureau! I have had tons of problems with them. From XXXX to XXXX!! In XXXX they made a Claim, I was working at XXXX XXXX XXXX?? That info in XXXX, was totally FALSE!! I worked at XXXX XXXX XXXX From XX/XX/XXXX to XX/XX/XXXX ( my best estimate )! And I work there as a XXXX, then a WareHouse ( within the location I worked at only ), For a few months. Then returned to being a Cashier in the fall of XXXX and remained a XXXX. Until my resignation inXX/XX/XXXX After that Job I held jobs at i.e. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX / XXXX XXXX XXXX ( that job was from XX/XX/XXXX to XX/XX/XXXX )!! IThe other misinformation they have about me. Is that my Full Name is : XXXX XXXX XXXX XXXX That is totally false info, There is not XXXX, or XXXX in my name! My own father 's name is XXXX XXXX XXXX XXXX XXXX XXXX thus making him XXXX  years of age! And in XXXX, shortly after I moved from. XXXX Colorado and out of this address XXXX XXXX XXXX XXXX, CO XXXX. And was living on my own. At an address that I have been living at. Since, XX/XX/XXXX is XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, CO XXXX. I tried three times to get a credit bureau report. From Trans Union. And was always sent a letter, stating I was declined. A Credit Bureau Report from them! Why is it Trans Union is punishing me like this?? XXXX  and XXXX  gave be a credit report. After I gave then these xerox copied documents : XXXX XXXX ID, Social Security Card, Copy of my Lease with The XXXX Apartments ( Now has been Re-Named : XXXX Apartment Homes ), and XXXX XXXX XXXX. I want an investigation brought forth. XXXX XXXX XXXX to resolve this matter!
These people just popped up on my XXXX report on XXXX, I do n't know who they are I only had XXXX collections on my report XXXX for a XXXX and XXXX for XXXX, I just got a letter the end of XXXX that the XXXX was not mine and they will be removing this soon, this is a fraudulent collection, XXXX contacted me in XX/XX/XXXX and said my credit had been compromised and offered me free credit monitoring I did not take it at the time because I did n't think I needed it because I had started straightening out my credit, now these people pop up out of nowhere.
On XXXX XXXX XXXX, 2017 : I noticed on my account the withdrawal of XXXX. I called immediately and asked why and was promised a call back that was never received. I then called today and after a long wait, I then got through to the Online Banking team and was told my account was under investigation, I asked for a timeline so I can retrieve my funds. I was told I can not have that information. As you can see that is not convenient for me as I use my account for business activities.
On XXXX XXXX, 2016, I made an online payment of {$1900.00} to pay my Fidelity XXXX XXXX monthly payment in full, due XXXX XXXX, 2016. The payment posted to my account on XXXX, 2016. On XXXX XXXX, 2016, FIA Card Services withdrew a second monthly payment of {$1900.00} from my checking account for the monthly payment. Of course, this caused my checking account to be overdrawn and incurring a {$35.00} overdraft fee on my account. The erroneous XXXX payment of my monthly balance posted on XXXX, 2016. They now tell me it will be 7 to 10 business days before they can replace the XXXX payment back into my checking account, which may make me unable to pay some monthly payments while they are " researching '' the problem
I requested Experian correct the status of a XXXX second mortgage account reflect " closed '' status, to be corrected to " paid as agreed status, '' accurate as of XX/XX/XXXX. 
XXXX reported a charge off " CO '' XX/XX/XXXX ; according to the XX/XX/XXXX attached Experian credit report, the account was scheduled to return to a positive status XX/XX/XXXX. A payoff settlement of $ 100 monthly for 5 years was paid as agreed. 
Now the creditor ( XXXX ) reported it charged off for the second time in XX/XX/XXXX, resulting in a second derogatory hit on my credit report. This charge off status was reported during short sale XX/XX/XXXX. 
See Experian report from XX/XX/XXXX reflecting the XX/XX/XXXX charge off previously, which already dropped credit score XXXX points 6 years ago. To do so twice is punitive, preventing those paying in good faith from recovering.
This car payment has been paid in full since XX/XX/2015 it is still showing that I owe. This is damaging my credit
On XX/XX/XXXX I disputed an account reported by XXXX XXXX. I was informed on XX/XX/XXXX that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report around XX/XX/XXXX or XX/XX/XXXX 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Experian is required to notify me of the reinsertion in writing within 5 business days. 
" ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
I have purchase a computer on XXXX on XXXX XXXX XXXX for the amount of {$540.00} and selected paying with a XXXX XXXX Account option that allowed me 12 months of interest free payment. I have never received a bill for that transaction until I 've received a collection call on XXXX XXXX XXXX. 

I was informed by a collection agent that I now own them {$730.00} which includes the original amount plus interest fees of 25 % plus late fees. After conversation with multiple agents, I find out they were sending the bill to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, an old address I have n't lived in for over three years. However, the original order invoice shows my correct billing and shipping information. 

I was also informed the company pursuing the charge is Paypal Credit, which also operates under the name of Bill Me Later and XXXX Preferred account. 

Since I moved I have also updated my address on both my XXXX and Paypal.com accounts long before that transaction. 

Because the transaction was originated from XXXX, and under XXXX preferred brand, I was giving the impression was I doing business with XXXX. The use of multiple brands is confusing and it is was not clear I was doing business with PayPal credit. 

Because the order was placed with the correct billing address, and I have updated my address information on both XXXX and Paypal websites, I believe there was a failure to send bills to my current address, which qualifies as a billing error under the Fair Credit Billing Act ( FCBA ). I am not disputing the debt, however I should not be responsible for financial penalties and interest charges as I never had the opportunity to pay for that debt.
To whom it may concern : COMMONWEALTH FINANCE with an address of XXXX XXXX XXXX XXXX, PA XXXX is trying to collect in the state of TEXAS where they legally do not have the right to do so at this time according to : Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

source : XXXX XXXX XXXX I would like to report that the 3 surety bonds they did obtain, were canceled in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and that they are currently in violation as they have been trying to collect on 3 accounts for myself since XX/XX/XXXX, ( 5 months ).

Furthermore, I would like the following accounts deleted and removed from my credit report on all 3 bureaus.

XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX - {$360.00} XXXX XXXX XXXX - {$340.00}
Hello Sirs/Madams : There are three issues associated with the illegal attempts of   XXXX   XXXX   ( not an attorney ) that need to be looked at.
<P/>
( A ) My only debt is from Credit Card Debt dated  XXXX , and I am sure that no C.C. debt can be collected this far out.
<P/>
( B ) I filed a Bankruptcy in   XXXX   in the State of Maryland where all my debt occurred : Case No. :   XXXX   was a Chapter  XXXX , IN THE UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF MARYLAND - at  XXXX  - SO ORDERED Entered : XX/XX/XXXX  ; Signed :  XX/XX/XXXX .
<P/>
( C ) Finally, I am a veteran drawing  XXXX  pay at 70 %, and according to the Code of Federal Regulations - 5301, no civilian, no matter what the circumstances is allowed under our Law to collect a debt from a Veteran, who is drawing Federal Money for Comp and Pension ; this matter is very easy to look up online.
<P/>
The individuals who have been relentlessly wasting my time, hounging me and making threats for months are claiming that I must pay them {$22000.00} from someone called   XXXX   XXXX   XXXX  , which I do not recogonize. The debt is a sham, and I believe that a crime is in progress. The individuals continue to come at me from different directions, but they are the same GROUP.
<P/>
The last time is it someone by the name of   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , CAL  XXXX  from telephone  XXXX .
<P/>
He claims litigation notice - Case No  XXXX   XXXX  , as   XXXX   XXXX   XXXX  . vs.   XXXX   XXXX  .
<P/>
The attorneys who handled this case were :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , Maryland  XXXX .
<P/>
They have all tried to collect the debt in   XXXX    of this year, twice in  XXXX ., they were reported every step of the way, and again in  XX/XX/XXXX , using the account number   XXXX   XXXX   - no matter how many times I report them, and they are admonished by BBB or others, they still continue to make Illegal threats of all kinds and continue to file claims or that is what they have said, who knows what is true with this group.
XXXX XXXX XXXX ALONG WITH XXXX XXXX XXXX AND XXXX ACCOUNTS WHEN APPLIED FOR PULLED 4 REPORTS, XXXX, EXPERIAN, XXXX AND XXXX AND AS A RESULT REPORT TO XXXX TOO.
Progressive Management has reported a debt that does n't belong to me with all three bureaus. I requested that they validate this debt and delete it my certified mail once in XX/XX/XXXX and again in XX/XX/XXXX. They 've yet to validate or delete it and it 's impacted my credit score negatively
Loan has been paid in full and as agreed, but it is showing up as a derogatory account.
Regarding lowest credit score of the 3 reporting agency.

Equifax co. Keeps reporting my credit score far below the other 2 reporting agency and is keeping me from obtaining a loan to repair my credit. If it is at all possible to review my report to bring it up to near the other 2 reporting agency would be appreciated. 
Thank You XXXX XXXX
I recently received a copy of my trans union credit report and there was a number of inquiries that I did not recognize or authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XX/XX/17
The name of the bank is suppose to be XXXX XXXX XXXX XXXX instead on my XXXX credit report it lists at manufactures and trades. There is no contact information for this creditor on my XXXX credit report.