WillisBack/dataset-financial-user-claim huggingface dataset:
My Unsubsidized and Subsidized loans originated in XXXX of XXXX ( a  consolidation of my XXXX studies at XXXX College in MA and the XXXX XXXX XXXX in XXXX XXXX ). Since then I have been paying them back without default or forbearance. In XXXX of XXXX, I began working for the XXXX XXXX XXXX as a XXXX XXXX employee. Within that year, I called XXXX inquiring about the public service loan forgiveness process having heard about it on the news. I was told that I did not qualify. Fast forward about eight years I again called XXXX to inquire, this time having heard about the program from my XXXX ( XXXX XXXX ). During this second inquiry, I was told that my public service did qualify but my service and payments for the past eight plus years didn't count since I wasn't on an Income-Driven Repayment Plan. When I asked for monthly payment quotes for the income-driven repayment plan, thinking I would still try to take advantage of it given I have about 25 years more of work and over 20K in student loan debt, the quote they gave me was astronomically high. They then offered me a graduated plan which is unrelated to PSLF ; I am on this graduated plan now as it seems to be my only choice. I believe I was intentionally lied to in XXXX ( and possibly two years ago when I called a second time ). If XXXX had given me the correct information in XXXX, my loan would have been forgiven in XXXX of this year. I have over {$20000.00} left on my loan and without it being forgiven I will be paying it back until XXXX. What happened to me was not right and I'm sure I'm not the only person this happened to. I appreciated you taking the time to hear my story and I look forward to your response. Take care.
PayPal charged XXXX small fees to my bank account because I registered this bank account with PayPal to make payments to them.
Please remove the late payments XXXX XXXX XXXX reported on this account. XXXX and Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I wrecked my car the weekend of XXXX XXXX and on my way back to XXXX, I ended up rear ending another car. My insurance company totaled it the next week and my insurance company sent XXXX XXXX a check for the difference of the loan and what they insurance would payout which I was told was {$7700.00} ( not XXXX on the exact total ), but I go into to check my remainder balance which should be around $ XXXX I see it is still over $ XXXX.
XXXX suddenly appeared on my credit report and I have no idea who or what This is. I would contact them but they give me no information to contact.
I received an email in XX/XX/XXXX alerting me to potentially fraudulent charges on my card, and was prompted to select " Take Action. '' 5/3 shut off my card, but never contacted me or sent a replacement. A month later, after not receiving a letter, email or call, I called customer service to get a status, and learned they were waiting for me to resolve the matter, and lied about trying to get in touch with me. A very rude customer service agent was not helpful or pleasant and refused to give dates for times they attempted to reach me. I received a replacement card in the mail two weeks later that i never activated. 

I decided to close out my accounts with 5/3 bank, and was met with rude and uncaring workers at my local branch. I requested assurance that my accounts were completely closed and there was no step left, or action needed on my end to finalize the process. I was condescendingly told that " they had done their jobs '' and that I was completely closed out, but that I should check on line if I did n't believe them. Once I got home from closing my accounts in the branch on XX/XX/XXXX, I saw that the replacement credit card and my checking account had been closed, but that the fraudulent card was still open, even though it should have been closed in XX/XX/XXXX. I called my local branch, which condescendingly told me that the account would n't officially close until Tuesday, XX/XX/XXXX, and when I questioned why XXXX was closed and XXXX was n't he did n't have an answer, but told me to check back on XX/XX/XXXX. 
When I looked today, it was the same story, with the fraudulent card still being open with a XXXX balance, but the other accounts being closed. through back and forth via email, customer service told me that all of my accounts were closed, and when I asked about the fraudulent account, I was told that a supervisor would be reaching out by end of day, and still have not heard from anyone, by phone or email, and my account is still open.
XXXX XXXX XXXX XXXX dba XXXX XXXX is reporting {$6400.00} owed to my XXXX and Experian Reports as of X/2017, and I 'm no longer liable for that debt due to it being charged off to XXXX XXXX, a 3rd party debt collection agency. The charge off balance is incorrect, aand should reflect a {$0.00} owed with it being charged off to XXXX XXXX. Collecting on a debt that has been charged off and sold to a debt collection agency is a direct violation and unlawful according to CFPB and BBB. I will file a complaint against XXXX XXXX XXXX XXXX / XXXX XXXX XXXX for falsely trying to collect on a charged off debt that I 'm no longer liable to them for. I sent several letters to XXXX and Experian in regards to validating the reporting of this correctly, and each time, I get no response back to the 609 letters I have submitted via USPS. I provide signature confirmation to show that each letter sent was received and sent to the correct address. 

Please investigate this and have this removed from my XXXX & Experian Reports.
Dear Scottrade, CFPB Officials, and the Concerned Public : I am writing to follow up on the unproductive behavior of Scottrade and their affiliates, collectively known as Scottrade. Specifically, in 2013, Scottrade allowed a custodial account held by me and my son to be hacked. Likely in the databreach Scottrade had that led to XXXX XXXX customers having their personal information exposed, ( XXXX ). 

Myself and my son worked diligently in attempts to resolve the situation and worked with numerous other financial institutions involved in the fraud. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and IRS have all agreed that the actions that occurred were the result of identity theft and fraud. However, Scottrade refuses to acknowledge these events as fraud for fear of exposing that their security systems are very poor. 

To warn the general public about the actions of Scottrade, I would invite current and potential customers to Google Scottrade 's customer reviews and I assure you will not want to do business with this type of company. 

For the purposes of resolving this issue professionally, I will be attaching, under a separate cover, the harassing letters Scottrade has sent to myself and my son, absolutely refusing to reopen my account, provide verification of debt, or even provide an original contract copy.
Experian is reporting a   XXXX   XXXX   XXXX   credit card account on my credit report that does not belong to me. The account number listed on my report is "  XXXX ******  XXXX   '' with an open date of  XX/XX/XXXX . It is currently being reported as a " settled charge off ''. I have sent disputes on XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  and to this date, Experian has not properly investigated into this situation to remove this account. This account was previously also being reported by   XXXX   and  XXXX  before I started disputing it. They deleted it promptly after it was found that it was not my account so I can not understand why Experian keeps turning away my disputes as frivolous. How can Experian get a different investigation result for the same dispute with the other   XXXX   credit bureaus? I have called   XXXX   XXXX   XXXX   and there is n't even record of this account when I speak to them, so this makes things even more confusing.
I have 3 times explained to transunion and XXXX about INQUIRES on my record that i fid not place and there was a fraud alert on file! They are refusing to remove them even after i sent 2 letters after i called them about the same matter!! They keep saying it is coming back verified but have not produced documentation. Im well aware of the federal case state law that says consumer reporting agencies bear grave respondibilities to ensure accuracy of accounts they report on and and its there responsibility to say more than parroting information recieved from the other source! They have ignored my request to send me documentation in there fes that they used to verify and validate!! And under section 611 ( 5 ) ( A ) of the FCRA they were to promptly delete the inquires. Negligent compliance section 617 is civil liabilty law. And im a litigious consumer and fully intend on pursing litigation if this matter is not taking care of asap!! they have the names of all inquires into which im referring and this needs to be done asap.
I currently have a judgment from Civil court that is reporting on Transunion and XXXX. I have XXXX situations with this judgment and have disputed this information for months and I desperately, need help. First this suit was brought against me for back rent by my rental management named XXXX XXXX XXXX. I had a court date for XXXX and was told by the management office not to go because I had paid my rent in full and there was a XXXX balance. However, a default judgment was made against me because I did not go to court. I would have gone to avoid this. Secondly, this judgment was included in Bankruptcy that was filed on XXXX/XXXX/15 and has since been discharged on XXXX/XXXX/15. I have explained these XXXX situations to the credit reporting agency and the information has not been deleted. This judgment will affect my future for many years to come and it is not my fault. Please help. As of XXXX XXXX 2015 i had already paid a partial rent payment for XXXX so there is no way I was behind to have a judgement against me. I have attached copies of canceled checks.
I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
In XXXX of 2018 my HELOC loan was transferred from XXXX XXXX to Rushmore loan services. I have made my monthly payments through my  bank bill payment system as I always have on time. In the month of XXXX the company decided to hold my payment, then I made my XXXX payment they held that payment as well. I called in XXXX when I realized my perfect credit score was affected by this company. Confused as I have made my monthly payments every month on time I call them. They then tell me my name was different, my address is different, then tell me they are holding my payments because it was not paid on-time in XXXX or XXXX plus I had to pay some inspection fee for someone coming out to my house. My bank shows this loan check to have been cut & cleared my bank account with XXXX XXXX. When I completed the paperwork with XXXX XXXX I've always used my current last name " XXXX '' because that's my drivers license legal name. Then I ask to speak to a supervisor to explain the issue they begin to tell me I can not speak with a supervisor I need to write a letter. I write the letter send it off & they still have not completed the investigation two months later. Then I look online for XXXX bill amount as my monthly fees have changed with Rushmore every single month but with XXXX XXXX it did not even though it was a Variable rate contract. The rep give me a different amount explaining because this month has less days I am charged more if the interest rate per my contract. This just does not make any sense to me at all. i have been a homeowner of two homes & have never been so wrongly treated as I have with XXXX loan services. It is not fair as a customer to pay for there mess ups. This company needs to be investigated & shut down for good!
I sent the collection agency a complaint letter  XXXX   XXXX ,2017 is the day the credit reporting agency received the letter to investigate a collection account on my credit report named  XXXX   XXXX   XXXX   XXXX  that is wrongfully being reported. It has been more than 30 days and I still have n't received a copy of the results. The file I submitted is a tracking for the letters sent.
I had an account with XXXX which I paid in full. The account was supppose to be removed upon payment but it 's still there. According to credit report on credit karma it was a removed collection but it 's still posted as a derogatory mark in collections account. I also have an account with Afni for XXXX XXXX XXXX that keeps appearing on my account which was removed off of my report but keeps reappearing. The amount was disputed once the account was cancelled. I 've contacted XXXX they ca n't seem to find my information but it 's clearly on my credit report saying that I owe XXXX. One of the papers I attached clearly shows that XXXX XXXX XXXX account was closed and removed.
I have a hard inquiry on my report from XXXX. This is a result of identity theft as I did not request or authorize any inquiries at this time.
Experian is reporting the same account XXXX on my credit report twice account number XXXX. This is a fraudulent account in which I am asking XXXX to please immediately remove. This account belongs to XXXX XXXX not XXXX XXXX. I have attached an incident report, report number XXXX. This fraudulent account has been on my credit report since 2007, which not only makes this a fraudulent account but also an old account. Again, XXXX is fraudently reporting this XXXX account twice. This account does not belong to me, please delete immediately.
I continually get contacted by people from Excella recovery group. I have paid multiple times on payday loans that I took out a few years ago. This time I was contacted by XXXX XXXX calling from XXXX, she gave me XXXX to call back if we were disconnected. I asked her what this was about and she said that a payment I had setup months before had just shown up in their database as declined. I did setup a payment ( I feel this is a scammer and that was my last payment to a scammer. ) but it was n't ever attempted to pull from my account. When I asked her for the original account number, she stated she had been given an incomplete file and hung up on me. As I think this is a scam, I have n't called them back and she has n't returned my phone call. This company has contacted my family and told them I owe this debt ( which I know is against the law ) and I do not need that happening to them again.
A company from American Express has been calling me on my cell and my home phone number repeatedly every day to collect a payment. I do not have money I recently lost my husband and I have just enough money to live by and pay whatever medical bills I have. I live paycheck to paycheck and I ca n't afford the money they want they keep on requesting a big amount. To make it worse they outsource to XXXX and you always have a XXXX talking to you and you ca n't understand them half the time. This gentleman made me very upset and down. Please help me to stop calling me or get a American talk to me
Funds have been removed without permission from my account, mother 's account ( XXXX ), and/or wife 's account without permission and possibly savings and checking. I have on a number of occasions gone to the branch bank to check where the funds have gone and to interpret my statements. I have not removed that much money! My involvement in her account began in 2006 upon her XXXX. There have been many account number changes in attempts to stop funds from being fraudulently withdrawn, and unaccounted.
LOANCARE, XXXX. XXXX XXXX, XXXX, VA is an absolute nightmare to work with. My home loan was sold from XXXX to this company and the experience has been absolutely terrible. I have never had an issue before contacting XXXX either by phone or online and have had zero issues with that company or making my home loan payment. 
I can not say the same for LOANCARE. I have not been able to contact them by phone or any other method in order to establish payment or create an online account with them to pay or check my account. This company is an absolute nightmare and the problem is compounded as I am at their mercy since these loans are bought and sold at whim it seams.
I am still gathering the documents that I need. At the present time I do not see a problem getting those documents. XXXX XXXX has taken money out of my bank account without my permission. I made a payment online and the company then took out the complete installment that was due., I had informed them I was attempting to make payments and there was no disclosure indicating that they would be withdrawing the complete amount. I was very stressed and could not sleep for days. Speedy cash has not resolved my concern. I need to know how the company will compensate me for their mistake. I feel so uncomfortable attempting to pay that debt. Scared. Very deceptive business practice. My name is XXXX XXXX XXXX.My date of birth is XX/XX/XXXX, my social security number is XXXX. I do not have the loan number. Please do not publish my personal information. you may publish everything but my personal information.
origional account went delinquent with XXXX dept. of human resources XX/XX/XXXX made payment arrangements that have been made but have never become current. account transfered as chargeoff collection to XXXX dept of human resources XX/XX/XXXX. account does n't show origional delinquency date of XX/XX/XXXX but instead shows date of the transfer as the origional delinquency date. company deleted item from report and readded it this month.
As of XX/XX/2018 I've made the three trial payments for my mortgage modification trial. The documents that I received reflected my escrows being incorrect for my mortgage. I recently received correspondence reflecting the correct amount for my mortgage payment of which the corrected payment is lower. Per customer service with The Money Source they wanted me to sign the previous modification agreement that had the incorrect mortgage payment. The previous documents that were mailed to me XX/XX/2018 are incorrect documents with the incorrect mortgage payments. I don't want to sign  documents pertaining to my mortgage with incorrect figures that affect my mortgage payments and the mortgage deed. I'm currently paying the trial payment amount for my mortgage payment.
At One Main financial in XXXX GA a loan officer by the name of XXXX pulled my credit without my authorization
XX/XX/XXXX through XX/XX/2019 XXXX XXXX XXXX has been calling my cell phone and home telephone numbers at least five times a day total. I am only a co-signer on the contract of a vehicle. The borrower said that arrangements has been made for a payment but they continue to call. The payment is due the XXXX of each month, the vehicle is not in collection or repo status it is only a few days past due and yet the collection dept. starts calling me the next day it is past due. Prior to the XXXX they send an email to my email address. Please I do not need to be called 5 to 6 times a day.
I was upset after I obtained my XXXX, XXXX and XXXX  credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as ofXX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
IN REGARDS TO : MERCHANTS CREDIT GUIDE CO. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, ILLINOIS XXXX THIS IS MY SECOND TIME ASKING FOR VALIDATION OF DEBT AND HAVE YET TO RECEIVE ANYTHING!!!! I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so. 

I would like to let your company know that I am disputing your claim. The account was opened fraudulently and forgery was committed and the account does not belong to me, and if you can not provide me with a contract or documentation of agreement that has my signature then remove the negative item immediately. 
Under the FDCPA, I am allowed to request validation for a collection. As you know, not complying with FDCPA will put your company in a bad position with the FTC and CFPB. 
I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor. 
2. Proof that you have the right to collect this debt in my state. 
3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned? 
11.Copies of all letters sent to me from you the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined? 
ONCE THE ACCOUNT HAS BEEN PROPERLY INVESTIGATED AND VALIDATED AND VERIFICATION THAT I'M RESPONSIBLE FOR THE ACCOUNT I EXPECT A RESPONSE.
I am a customer at Union Bank California. Was denied services and a check endorsed to me was refused. XXXX the teller had no banking information on me. Did not swipe my card nor ask for ID. He immediately took the check to his manager XXXX who also refused my request to deposit this check endorsed to me. I was DISCRIMINATED against based on my appearance and not account information. After leaving I contacted the branch manager XXXX who then also informed me that his teller did the right thing by denying my check. XXXX stated that if he had taken the check from me, that doing this would put him at risk insinuating the check may be bad, or fraud may be involved. I was not only insulted but also humiliated.
I made my payment on time for XX/XX/XXXX and XX/XX/2016 with Toyota Motor Toyota reported to the XXXX credit bureaus that I was 60 days late XX/XX/2016 and 30 days late XX/XX/2016. I called Toyota and they said that they see that I did make my payment on time both months and that it is an error. I disputed it and Toyota is stating that they are reporting it correctly. This error dropped my credit scores over XXXX points now I am being denied credit everywhere
I am unaware of an Emoney loan. They are reporting a charged off account on my credit bureaus stating i owe {$1000.00}. i did not borrow from this firm and would like this to be removed. I contacted the firm previously to ask for a validation of debt and did not receive any notice.