WillisBack/dataset-financial-user-claim huggingface dataset:
Good Morning, I am writing you today in hopes to obtain some debt relief. I attended XXXX XXXX in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. While attending XXXX XXXX I was given false information in regards to job placement, salary, and loan amounts. After graduation I had not help with job placement and advertised and now the school is closed down. After hearing this news I tried to obtain copies of my Official transcripts, but what was sent to me was completely the wrong program and dates. I am now left with a useless degree, wrong official transcripts, zero help from the school since they are closed now and a mountain of debt for a useless degree. 
Recently I found out that my may be able to have a federal loans foregiven, but they are mostly paid off now. I am hoping to make contact with Wells Fargo and See what my options are for forgivness or partial forgivness. I have found a few articles to help support my argument. 
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On XX/XX/2017 XXXX XXXX CDT I initiated a {$100.00} transfer to the XXXX using Moneygram and received an email with a reference number : XXXX. There was also a statement in the email " Your money transfer has been initiated and will be deposited to your receivers account as designated. '' On XX/XX/XXXX I checked the transfer and it still showed a status of " In Transit ''. I called Moneygram and after being transferred several times was told that Moneygram did not feel comfortable transferring the money. I asked why, and was told that they could not give a specific reason. They said they would refund the money to my account in 2 to 3 calendar weeks.
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So on XX/XX/XXXX, I initiated another transaction of {$100.00} to the same person. I received another email with the reference number : XXXX and again stating that the money will deposited in the receiver 's account. I called Moneygram later on XX/XX/XXXX and XX/XX/XXXX and again was told that they did not feel comfortable transferring the money and the money would be refunded.
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1. I do n't understand why they will not divulge what the reason is. In the past year I sent about 15 transfers to the same person, all around {$100.00} or {$200.00}. Why all of a sudden do they feel " uncomfortable ''?
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2. Why does Moneygram send me an email verifying that the money will be deposited and then afterwards cancel the transaction. They told me that the email is sent before their security team looks at the transaction. How XXXX is that.
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3. Why do they not even inform me that the transaction has been rejected. When I use their online system, it shows " in transit ''. No clue whatsoever that there is a problem.
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4. Why when I call do they ask for multiple pieces of information, and then transfer me 3 or 4 times and each person asks for the same information and then states that they ca n't resolve the problem and they have to transfer me.
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Moneygram worked fine for a year, but at this point, I would never do business with them again. Their customer service is the worst and they have some fundamental system problems.
The company XXXX XXXX has filed a lawsuit against me, after that the original creditor GE capital has investigated this identity theft and dismissed all debt, The collection company was contacted by GE capital and informed to cease-and-desist, The bad debt was bought back from XXXX by GE capital, yet XXXX is still trying to collect on the debt they no longer own and also has been found to be under identity theft and has been investigated, I have giving copies letters from the original creditor to XXXX attorneys and the attorneys still persist on suing me for debt that they do not own and have been told that it is under identity theft, also copies of the FTC identity theft reports and police reports and they still ignore that this has been found to be identity theft. I have spoken with GE capital the original creditor and they are going to resend all their letters to XXXX. Not only am I being sued for debt that I do not own and that debt that XXXX does not own but this is also in my credit reports in which they refuse to remove from my credit in which is stopping me from buying a home. I have paperwork with GE capital 's account numbers and XXXX account numbers on the same letterhead from XXXX XXXX I have also brought this to light and that this was dismissed By letter from GE capitol. Please any help with this would be appreciated.
This company continues to report a account that is not mine to the credit reporting agencies. I have disputed this and asked for proof this belongs to me and they will not provide me proof. This is not my account and I actually have a current time warner account which is not the account number this creditor is trying to collect on. I do not know who this account belongs to and this needs to be removed. I can provide my current time warner account bill if needed which is in no way associated with this fraudulent account.
I fell behind on my mortgage by XXXX payments last year and into this. Late last month I called Wells Fargo and agreed to make XXXX payments in bulk, which they accepted. At the time, Wells Fargo wanted to schedule automatic debits to cover XXXX, 2015 and XXXX, 2015 to which I agreed. However, Wells Fargo does not have my bank in their XXXX database and therefore lacks the system functionality to schedule those debits. To which I agreed to make the remaining payments through my online bill pay by XXXX XXXX, 2015 as demanded. 
However, since that time I have been called XXXX daily by Wells Fargo Collections demanding that I schedule automatic debits to bring the loan current. I have explained to the callers at least XXXX times the agreement I have with them to bring the payments current. I have also explained to these callers Wells Fargo lacks the capability to execute the transactions through their own system limitations. Their regular suggestion that I am lying about my intentions is insulting. 
I want to bring my payments current and have done everything in my power to do so. The loan will be current by XXXX/XXXX/15 as promised. And I do appreciate the consideration I have received relative to bringing the account current. But I do n't think I should be subjected to harrasing phone calls because Wells Fargo lacks the capability to do what they are demanding I submit to, and that they can not communicate with themselves. All they need to do is listen to the records of my calls with them.
I recently received a copy of my credit report and I noticed an account was placed with collections in my name that I have no knowledge of this debt. In XX/XX/XXXX I sent a certified letter to the collections agency asking for debt validation and I never received a response back. I again sent another letter in the beginning of XX/XX/XXXX and made phone calls with no success. This debt is not mine and Ive tried every option I could think of to fix this debt
Repeated phone calls starting at XXXX XXXX until XXXX XXXX  from various numbers. I purchased a bed and dresser from CONNS back in XX/XX/2015. I was making my regular schedule payments up until the beginning of this year due to an unforeseen hardship. Since It was merely a small balance remaining, I requested a payoff. The company refused and wanted me to continue paying the bill.
Sun loans company keeps calling my place of employment, when i cant except calls there.calling my friends and family also.
i have been disputing these accounts reporting on my credit report since i pulled my credit report on XXXX XXXX, 2016. i have sent dispute after dispute and documentation requesting that they delete these accounts from my credit report as I have never done business nor know of these accounts. The FCRA requires that all credit reporting bureaus are supposed to verify before this information is added to your credit rile. I have asked on numerous attempts for them to provide me documentation showing i signed and agreed and they have not provided me these methods of verification saying they have verified these accounts as accurate.
SHERIFF SALE THIS TUESDAY - XXXX/XXXX/15 Bank FraudHI. I filled out documentation for a loan modification on XXXX XXXX, 2015 for a {$900000.00} mortgage. Our situation has changed and we have enough funds to pay the monthly mortgage. 
All documentation that Wells, Fargo Home Mortgage required was submitted. 
I received a call XXXX weeks ago that I was denied the loan because our mortgage was over {$720000.00}. This is ridiculous because Wells, Fargo knew the loan was over {$900000.00} back XX/XX/XXXX. 
I called and spoke to XXXX XXXX who said that this was not the reason for the denial. She stated that we were denied because I did not produce a profit and loss statement for my real estate company. I told her that I do not have a real estate company and why was this not communicated to me? In addition, I asked her why I got a call last week that my loan was denied due to it being over {$720000.00}. 
She said that was incorrect and I was grandfathered due to some regulatory change in XXXX, 2015 ( I looked this up on the internet and could not find a " regulatory change ''. Then, I received a letter from XXXX XXXX stating that I could do the modification documentation, but " it is to late due to a sheriff sale on XXXX XXXX ). 
I extended the sheriff sale to XXXX. I then got a call from XXXX XXXX ( XXXX ext, XXXX XXXX last Thursday. He said he is investigating the whole situation and knows the sheriff sale is XXXX. How can he possibly investigate this by Tuesday? We need to postpone the sale which takes a call to his attorney XXXX 5 minutes ). I got a letter in the mail last night dated XXXX/XXXX/15 from XXXX XXXX. 
She is reminding me again about the sheriff sale on XXXX/XXXX/15 and says she would be happy to look into the matter but is it to late. 
Please help ASAP. The whole situation above is FRAUD. I was denied for reasons that are not correct. Time is of the essence.
An account was opened with XXXX using my personal information. I have followed all of their requests, forwarded the police report for ID theft to their investigations team, and then a year later collection efforts began again, I contacted XXXX, who advised they provided me the wrong district for the investigation last year, and I needed to submit again to the XXXX district. I have sent the info again, and the phone number is only a message that promises a call in 72 hours, but no one ever calls. Their collection agency advises they continue to report to my credit bureaus until XXXX contacts them. this is impacting my ability to finance a car. the phone number to comcast is XXXX, fax is XXXX collection agency is XXXX.
No Contract with creditor. 
Refused to validate the debt per Federal law requirements Would not provide a forensic analysis as requested to prove account balance
I 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted Equifax. About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed
On 2 separate occasions ( XX/XX/2018 & XX/XX/2018 ) I have submitted letters asking XXXX, Experian and XXXX credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.
For the last eight months I 've been trying to have false remarks from two XXXX XXXX XXXX credit card accounts removed from my credit report ; both accounts state that I participated in a financial counseling program, and this is false information. XXXX, TransUnion, and XXXX list this information on my credit report. I only found out when I tried to re-apply for a XXXX XXXX XXXX credit card at the beginning of the year, and my application was denied. I 've contacted XXXX XXXX XXXX, and the three reporting agencies, to correct this report numerous times, and have not been successful so far. I 've been in talked with several XXXX XXXX XXXX offices and channels, have submitted written and online disputes, and have been repeatedly transferred between departments. After speaking to several people with XXXX XXXX XXXX and the credit reporting agencies on XXXX XXXX XXXX confirmed on XXXX XXXX, XXXX that I did n't participate in a credit counseling program, that the information was false, and sent me documentation stating that they had informed the credit reporting agencies to update my report, and due to the error on their part were working to expedite the process of having the information removed. However, over the last two months the same false information kept populating on the report ; I subsequently continued to dispute each investigation. On XXXX XXXX, XXXX a XXXX XXXX XXXX representative told me that the remarks were n't on my accounts on XXXX XXXX XXXX 's end. However, when I tried to re-apply for a credit card with the bank I was automatically denied because the credit counseling program information was still on my credit report. This information needs to be removed, by XXXX XXXX XXXX and the credit reporting agencies as soon as possible.
See page XXXX of attached .pdf and the last sentence in particular. It discusses IBR as the third option that affects an outcome, and also as it was intended to be used. It is a XXXX creation in retrospect as viewed from XXXX. It has been misused by colleges and servicers alike, since XXXX. The 57 % default rate requires a forensic audit by the federal government in order to see how both colleges and servicers manufactured huge default statistics when income dropped to zero for many students during unemployment, due to the so-called Great Recession. The IBR form, was in this attachment, already set up for failure in distorting income information as this describes in detail in the .pdf. By XXXX, servicers compounded that distortion by reaching back into irrelevant earnings from previous years for unemployed students approaching a Government Shutdown, who had an immediate qualification status, due to XXXX unemployment. It matters not what happened in years past. No bearing on cureent income. Yhe .pdf talks abbout a four-year income. What? Where is the reality check in XXXX, given that thinking? The 57 % default rate was no accident! Those students - like me who qualified with XXXX other servicers holding a fist full of loans - were denied by a XXXX servicer based pn the same identical income answers. That bogus income verification fed an agenda by servicers to do a metadata grab ( that XXXX would envy ) in requesting instant access to IRS data when that had no bearing on students who were unemployed filling out IBR forms annually. The problem with government forms, like the IBR form, is that only the current status of students is relevant - and not necessarily provable - to the IBR. Preventing default was not part of the objective. It should have been priproty # 1!!!!! No oversight to stop defaults by overzealous illogical servicers. Only manipulation of income afformation was. That was a false premise. Record numbers of students are unemployed, qualified for IBR and unable to " prove a negative '' ( absence of income ) using the IRS. XXXX is not taxed. That is the problem. The unemployed served to create the 57 % to get faster information about the 43 % the next year. Problem : once again, faster information from the IRS is not what the decisions are actually based upon. They are based upon previous years thst have no bearing on the current income of the student debtor. The CFPB should take this XXXX .pdf and the XXXX statistic and see which colleges and which servicers misused the IBR and do an autopsy on how the defaulted loans were defaulted on students who qualified. This is outrageous!
I have been receiving harassing, threatening and death threats telephone calls from Bank of America representatives in regards to credit card account and debt of {$780.00} that I do not owe. The account or debt do not belong to me. I am a victim of identity theft.
The Mariner Finance agent called me, an existing customer, and offered an additional loan amount ( in addition to the approx. {$2700.00} I currently owe ). I do not feel that the agent properly disclosed all appropriate information related to : ( 1 ) the hard hit on my credit report, and ( 2 ) the very high interest rate on the loan.
I have recently pulled my credit report this last XX/XX/XXXX. I see there are plenty of hard inquiries as well as student loans and rental property info from XXXX that all are not mine.I have called and was told I had to dispute in writing because they will not remove the inquiries over the phone and would not investigate my report for accuracy unless disputed online. I disputed the accounts and still was not helped. I have filed a XXXX fraud report due to the inaccuracies on my credit report with XXXX TransUnion and XXXX.
Collection agency reported a debt that I do not owe to the credit bureau which caused me a loan denial because of false information added to my credit file.
Professional Account Management continues to try to collect a debt from two " unpaid parking tickets '' on behalf of the XXXX Government, which are invalid. These two parking tickets were paid in 2016, and the checks that I sent to the DC government at that time were cashed : one for {$40.00}, and one for {$50.00}. In one instance, DC sent me a notice that the amount they received was not received on time and wanted to collect even more money from me. I contacted them with the bank information showing that it was cashed within their time frame, and had that false claim removed. However, both tickets still appear as " unpaid '' according to Professional Account Management, with a notice I received in a letter on Friday.
<P/> I have contacted them ( Professional Account Management ) in the past with the phone number provided in a different letter ( ( XXXX ) XXXX ) which reflected a different amount, and told them this is false information ; however, they argued about it on the phone, and have again sent another letter, this time the amounts are increased.
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Also, in this letter, it shows only one citation number, but then shows that additional money is due (? ). It reads as such : account # : Citation # : XXXX Amount Due : {$60.00} Amount Due all citations : {$130.00} They then threaten enforcement activity by impoundment of a vehicle if there are " two or more delinquent citations. '' That 's convenient - is that why they are trying to collect on multiple amounts with only one cited?
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Either the XXXX  Government is committing fraud/extortion, or Professional Account Management is committing fraud/extortion. Either way, there needs to be some federal intervention of this phony debt, and the collection agency 's collection practices. I do not intend to pay either party any more money.
I am contacting you today to request a gesture of goodwill. I have several loans with Fedloan. I am currently on an income based repayment plan that does not require me to make a payment. I would like to actually repay my student debt. My education has served me well and because of it I have been presented with an opportunity to purchase an existing and successful franchise. However, the late payments on my student loan account are preventing me from obtaining an approval for the business loan I need to acquire the franchise. 

The late payments reflecting on my account are actually due to miscommunication on both ends. There were periods of time where I requested a deferment or forbearance due to my financial hardships but my requests were not initially honored ( Apparently due to a mistake made by the customer service representative ). In XXXX or XXXX of XXXX my family was struggling to make ends meet and were on public assistance. I communicated this to a representative at the time and they informed me they would request a deferment of my payments for 1 year. I thought my account was squared away and did not check my monthly statements, for a while. 

In the XXXX I received a notification via email that my loan was on the verge of defaulting which prompted me to call. It was then that I was informed that the deferment I requested had not been implemented. The representative was very polite and helped me resolve the issue through backdating the forbearance and deferment request. It was my understanding I would not need another deferment for at least 12 months if my financial situation did not improve. This was not the case and lead to additional late payments on my accounts. 

I take complete responsibility for not following-up and ensuring the initial deferment was implemented and for not understanding that I needed to make another deferment request, however ; I would really like to be in a position to repay my loans in full. The franchise I seek to acquire will allow me to repay all of my student debt within a matter of 36 months. I understand Fedloan is obliged to report payment history accurately. I ask that either Fedloan stop reporting the late information and make it " unavailable '' or better yet update my payment history to reflect the loans were in forbearance/deferment for the following months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and XXXX and XXXX of XXXX and mark them as paid as agreed. Doing so will allow me to improve my financial position and repay my loans in full.
In XXXX of this year I tried to open another savings account online with BMO Harris Bank, I already have one savings account. They rejected the application saying that there was something in a credit report that caused the rejection. They refused to tell me what was in the report that caused the rejection. I pulled my credit reports, there are no problems. If they have erroneous information on me and the insurance industry gets a hold of it, they will use that to increase premiums and, they may already have. 
I can not find a problem and BMO will not give me an explanation,
Equifax allowed my personal information, including social security number and other vital personal information, to be breached and divulged my information without my consent. This greatly impacts me, as it sets me up to be a victim of identity theft. I have worked hard to maintain good credit and Equifax, either due to negligence or direct intent, has made it possible for my credit to be ruined.
Ocwen Loan Services states you are the back trust to a loan and the lender of investors. 
Ocwen has filed for foreclosure on the property using you as the backtrust linking XXXX a company I have not done business with since XX/XX/XXXX. The loan was sold to XXXX XXXX who was seized by the federal government. 

1. I am needing proof that you are the lender of the property as Ocwen is based in XXXX the foreclosure laws states they must show standing. They sent a transfer dated XX/XX/XXXX with C/O XXXX XXXX XXXX XXXX XXXX, As Trustee For Home Equity Mortgage Loan Asset-Backed Trust Series XXXX XXXX, Home Equity Mortgage Loan Asset-Backed Certificates Series XXXX XXXX. Their mailing address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and telephone number is ( XXXX ) XXXX Now it seems as Ocwen is trying to collect off of an old company XXXX which is illegal due to they are not the original lender of the loan and it has been sold so many times per mers. I am needing you to show proof since the services keeps referring back to you as the investor/lender before you can foreclose on the property. You are not listed in any documents I have, nor are you listed in real property. 

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