WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX I obtained a student loan of {$15000.00} for my child to attend college. 
Over the years I have fallen behind a few time because I have XXXX daughters to raise. I was repeatedly offered to put my past due balance to the rears of my loan to bring it current. Basically the collections department does not offer any help other than to increase the amount owed by refinancing every time you get past due. On XXXX XXXX, XXXX I will have been paying on this loan for 10 years and I still owe {$10000.00}. Navient debits my account each month. The collection department also has called my family members and let them know about my past due account. To date I have paid {$19000.00}. My child went XXXX XXXX XXXX XXXX, Tn.
Ditech Mortgage I have field a previous complaint. This weekend I received certified letters regarding a demand for over {$2700.00} for non payment for the months of XXXX, XXXX and XXXX, that I had not made these payments, notice of to foreclosure and an application for a modification. Also, similar documents were sent to my brother regarding the same property. The problems are : 1. I  have not missed ONE payment on my mortgage since Diteck assumed my mortgage ( many years ), I have all my bank records demonstrating my payments. 
2. My bother XXXX XXXX does not own this property 3. I own this property exclusively 4. My bother, XXXX XXXX is deceased. 
5. XXXX had previously reported on my credit report there were TWO FIRST mortgages on this property which was never true, impossible to have two first mortgages on the same property. This error caused my credit score to plummet 6. On an earlier occasion they reported I had a zero balance, which was not true 7. And they reported that my mortgage was included in a bankruptcy which was not true 8. Whenever I have tried to call them a voice menu requires I provide them the loan number and when I do, the call automatically transfers to another company that represents XXXX and that company say they can not discuss my mortgage without XXXX XXXX approval. 
9. I have written XXXX directly and have had no response other than THIS NOTICE OF DELINQUENCY, IMMEDIATE DEMAND FOR PAYMENT, and risk for foreclosure. 

I believe these recent notification are vindictive in nature and a result of my earlier complaints.
US Bank/XXXX changed the benefits on the card ( free night on award redemptions of two nights or more ), despite charging me a {$65.00} annual fee.
I recently received a copy of my credit report and I noticed that this company is reporting not one but TWO negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validatio for both debts. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
I took a installment loan out on XX/XX/17 for {$1600.00}, I received the money via ach transfer into my checking account. 2 weeks later I started making payments of {$140.00} which was deducted automatically every 2 weeks via electronic transfer. It was a high interest predatory loan a tribal loan. To this day after paying over {$2500.00} back the balance is still about {$1600.00}. To avoid this crazy interest i tried to contact company to pay it off to avoid the crazy interest. However starting over 1 month ago i tried to reaching the company but the number would go straight to a voicemail every timei called during normal business. I then noticed the website was gone and a new website was created with some type of shopping portal intro near the sign in. I emailed the company via the fake chat option, i emailed the support line only to get the message returned back to me. Next they went from deducting my account via ach transfer to making up a phony check. I then alerted my bank and am in the middle of closing the account. I believe they were shut down for legal reasons as I see many reports online about this company working under everal different business names and many complaints against them.
I fi  led a complaint with your office a couple of months ago regarding a late fee assessed by Chase on my credit card. Specifically, they applied a payment that should have been for the new billing cycle to the previous billing cycle. I called and complained, so they removed the late fee from the account and I followed up by filing a complaint with your office due to how they improperly billed the account.
Since then, even though the late fee was removed, they have bille  d interest twice on the late payment. My first balance subject to interest is on  XXXX , so I should not receive any interest on balance transfers and have never made a purchase on the account. So it is clear they are billing interest based on a late fee that was removed. I am including statements for your records to show the interest billed.
I have multiple accounts showing up from XXXX XXXX XXXX XXXX. I have disputed them and had them removed from my reports in the past but they have been transferred to another lender and reported again. They are not my accounts. I do not owe them money. They will not remove these fraudulent accounts from my report. I have disputed with the credit bureaus and the company itself. It is really making me angry. They have been calling my phone and harassing me about accounts that are not even mine. I can not take this anymore. This is ridiculous.
On XX/XX/XXXX, a hold was placed on my Bank of America account by the state of Connecticut for back taxes from the year 2014. I had been paying on these and had neglected to use their automated system correctly. I called the state XX/XX/XXXX and worked this out with them and they sent a fax to Bank of America requesting the lien be released. On XX/XX/XXXX I again called the state of Connecticut as I realized they had incorrectly also charged me for two years I did not live in the state. They apologized and sent a second fax to Bank of America asking them to expedite the release on my account. I also called Bank of America XX/XX/XXXX and was told it would take XXXX business days for the hold to be released, and that any overdrafts in that time were my responsibility. I asked at that time to speak to Bank of America 's legal department as it did not make sense to me why it would take so long to release this hold. They assured me it took that amount of time due to the many holds they received and that I would, indeed, be responsible for overdrafts accrued in that time. On Tuesday, XX/XX/XXXX, I again called Ban of America and was told the hold would be released within XXXX hours. Friday, XX/XX/XXXX, the hold was still not released and I called and spoke to a supervisor in Texas. he called the legal department and assured me the hold would be released Friday at XXXX XXXX XXXX time. It is not Saturday, XXXX, and my account is still unaccessible. I now have accrued almost {$300.00} in overdraft fees, due to automatic bill payments, and will likely still accrue more this weekend. I am appalled at this practice. I do not believe it takes XXXX, and no XXXX business days to release a legal hold on an account, I believe this is yet another way for Bank of America to take fees from people who can ill afford it. They don't care if they lose my business, that is clear, their corporate accounts are all that matters. I have been with this bank for 24 years, and can not believe this horrific service.
I went to a company ( XXXX ) for a medical issue that my doctor said was my last resort to avoid the XXXX I had to endure almost monthly. However, the company went bankrupt and gave their contracts to another company to which their lawyers sent out a letter to opt out of the next company and i did. Considering i felt as though it was a scam. I told Comenity that I opted out and they were bankrupt, they told me to go to the other company and try to get a refund. I tried multiple times to get info and refund or even get a location as to where that location was located. After talking to comenity for months telling them I could n't get a hold of anyone or get a refund with multiple disputes, they tell me to go down to the office that is located in the exact spot where I was getting XXXX before ( Am I they only person who sees scam? ). I get in my car and drive down there immediately only to find out that company is bankrupt as well. Comenity, now informs me to send a fax of all my XXXX history. I sent them a fax on XX/XX/2016 stating my contract was special due to my medical issue. That the usual contract was for XXXX treatments, I was allowed unlimited if my XXXX back and that due to XXXX I was able to get XXXX 3 times on other areas, but only once on the area i went in for in the first place, because you ca n't shoot lasers into an open wound. I got a letter back saying that I did n't put in the number of treatments. To which I went to their XXXX page livid asking if they were capable of reading. I got a number to escalated customer service explained the fax and a woman wrote in my exact details of the issue explaining why my issue was not cut a dry. I thought the issue would finally get resolved, but they closed the dispute, said I have to pay and the only way now to open a dispute is to write them a letter and find a copy of my contract from XXXX, that has now been chapter XXXX for over a year.
My account was closed because I called on the XXXX about a transaction I didn't make and all my netspend prepaid debit cards were deactivated. My social security benefits posted the XXXX, and they closed my account on XXXX XXXX day. XXXX. 
I have been with netspend prepaid card since XXXX. My social security XXXX check goes direct deposit to my account. I had no access to my funds which my family depends on I am single mom of XXXX children. I called and the representatives told me different things. 
I don't even clearly understand why they closed my account.
I was called in XX/XX/XXXX by Sun trust Bank that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XX/XX/XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called sun trust as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with suntrust about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by suntrust in XX/XX/XXXX that all the reporting would be corrected.
The company XXXX XXXX XXXX. ( XXXX ) has been incorrectly posting my payments. They have no ideal on how principal, and interest payments work on auto loans. Also, they have no ideal how the daily per deim works on auto loans. XXXX XXXX XXXX. are missing applying my payments, and are consistently reporting incorrect payoff amounts for my vehicle. Every time I make payment ... XXXX  XXXX XXXX. calculates obscured amounts on how the payment is applied on the loan. Even with the late charges, etc. Please, assist ASAP. Thank you!
Have an ONLY filed bankruptcy from 2013 on report sent in letter from Wisconsin Federal court as instructed and TransUnion still refuse to remove it from file after numerous attempts with NO validation or verification.
I was placed in a Rehabilitation Program with Pennsylvania Higher Education Assistance Agency ( PHEAA ) for my Parent Plus Loan. I became XXXX in XX/XX/XXXX and was no longer able to make my monthly payments. Based on my income, I am required to pay {$5.00} per month. I submitted a form for electronic payments to be deducted from my bank checking account. I received a call in XX/XX/XXXX & XXXX XXXX stating that my payment was overdue. I paid the amount by telephone, and once again faxed the form for electronic payments in XX/XX/XXXX and XX/XX/XXXX. I received a letter from The Department of the Treasury in XXXX stating that XXXX % of my Social Security XXXX Check, and my Federal Income Tax return for XXXX would be used to offset my loan. When I called PHEAA I was told that the forms had never been received. After numerous calls to the help desk I was continuously told that the forms had not been received. In desperation, I contacted their legal department and was able to speak with a supervisor. I was told that the form had been received ; however, it did not indicate whether the account was for my checking or savings account. I was told that nothing could be done once the information had been sent to The Department of the Treasury. Consequently, I have been left in dire straits for the last 2 months because of the offset. I 've done research to find out if any complaints had been filled against them. XXXX complaints have been closed with the XXXX in the last 3 years. The help desk at PHEAA is difficult to reach by phone during their business hours no matter what time you call. The help desk provided no assistance and told me that the offset will end in XXXX months. Their responses are inconsistent with the information obtained by the supervisor in the Legal Department. I am unable to access my account online to verify the payments that have been received. Once again after faxing the electronic payment form in XX/XX/XXXX, I received a call in XX/XX/XXXX stating that my account was XXXX days past due. This time they were able to locate the form ; however, the offset is still taking place.
I have been constantly going back and fourth with equifax. Equifax stated here on XXXX/XXXX/16 that they where not showing frontier communications on my credit file. I spoke to a rep today and he informed me that equifax is still on my credit file. He also informed me that it was never deleted and will not be deleted as the account is still under investigation. He told me that despite me submitting the email from frontier they do not accept that as proof. If frontier continues to say this is my account then it will continue to remain on my account although the rep told me he could not find me by name, social, or date of birth or address. Apparently equifax has lied in their response to the CFPB with you will find attached. This account is seriously damaging my credit and needs to be removed asap. The are playing games that are damaging my credit. This is very unacceptable.
I have a Rushcard account, which I opened XX/XX/2015. I have been adding funds to the card without any issues, However, on XXXX XXXX, 2015, I added a total of {$1000.00} to the card XXXX XXXX separate transactions of {$500.00} each ). There is no record of the the reload that I made on XXXX XXXX. On XXXX XXXX, I added another {$500.00} to the card, which is also not being reflected when I call Rushcard 's card services automated line. I called the company on XXXX XXXX and was able to speak with a representative who told me that they were updating their systems and that the system would be working by XXXX XXXX on XXXX XXXX. I checked my balance again on XXXX XXXX, and my balance was still XXXX. I called Rushcard again and spoke with a representative who asked me for all of the numbers on the receipt, including a transaction number. Once I read every number on the receipt, I was informed that none of those numbers were recognized by their system. She then told me to go back to the retail outlet where I reloaded the card to ask them for the transaction number, I did and was told by the store manager that the numbers on the receipt should suffice for Rushcard to identify my reload. I called Rushcard again on XXXX XXXX and told the representative what the store manager said, and at that time the representative told me that she would escalate my complaint. Since XXXX, I have not received a response from Rushcard, and to make matters worse, I have called card services at Rushcard at least 30 times since then. When I press " XXXX '' for a representative, the phone rings once or twice and then I am disconnected. The automated system is still reflecting a XXXX balance on my account.
This all started on XX/XX/XXXX, when someone hacked into my online account and deposited a fraudulent check into my account for the amount of XXXX. They then changed my contact information and enrolled me into XXXX. They made three online transfers from my savings to my checkings. The first amount was for XXXX dollars and the last two transfers were in the amount of XXXX each. For a total of XXXX my whole life savings. Then they proceed to make cash withdrawals from ATMs, stores, and online purchases as well. On XX/XX/XXXX, I called Wells Fargo bank to report a claim of fraud on my account. The claim was taken over the phone but the information was incorrect and lost along the way with so many transfers between the departments. On the phone call, my account had a stop hold/ stolen place on my account. They said to close that account and open a new account that was still linked to that account. Over the phone, they changed my username and password for my online baking and even added a verbal password to my account. The agent told me that I would need to go into the branch to pick up my temporary card for my new account. I went into the bank that evening to pick up my new card but they were unable to help me. Once again I had to call the bank on the phone and they had to reset my account once again. A few days later I called to check on the status of my claim no new information was available. I received a survey in my email asking how I felt about my recent call to Wells Fargo. I was unhappy with my experience with Wells Fargo, so someone called me from my local branch and they set up an appointment to talk to a banker. I spent over two hours at this appointment on XX/XX/XXXX. The original information for the claim was incorrect and things were missing from the claim. The banker also noticed that whoever it was still had access to my account because they were still ordering checks even with the stop hold/ stolen in place on my account.The banker told me that I needed to close out that new account completely and open a new account that had no connection to my original account. I opened a new account. While I was at the bank I spoke to someone who said he was going to start my investigation. He asked me questions, but it was hard to understand him and communicate with him. He told me that the person who would complete my investigation would call me within 24-48 hours but that never happened. A week later or so I received a phone call from the banker who had been helping me. He informed me that my claim had been closed and he asked me what happened. This was news to me so he gave me the investigator name and number and told me to call him. So I did just that I left voicemails with no replies.He never got in contact with me at all. After this whole ordeal on XX/XX/XXXX, I went into the bank to close my account. with no resolution to my situation.
The company  XXXX   XXXX  sold my mortgage to several debt collector without notifying me about my mortgage. I got phone calls fr om Bay View saying that I was behind on payments. I did n't know who Bay View was   and I could n't understand what their representative was saying as she would talk to fast. They wanted to know when I could get caught up on back payments. I went into  XXXX   XXXX  to find out what was going on.  XXXX   XXXX  told me that they were not going to do mortgages any more.  Bay View sent letters wanting to know when I could make payments, they would call late  at night (  XXXX  ) .There were times that I could not understand what their operator would says, at times she would say baby view, demanding that I pay up at once. I 've tried to te ll Bay View th at I could n't make the {$540.00} dollar payment as I have other bills to pay.  Bay View wo uld send letters almost on a weekly bases sometimes I would get  XXXX  letters the same day. Phone calls would be rude and very demanding to the point where they said that they would start foreclosure on the house. When they said this I immediately went down to talk to a  Lawyer.
Creditor Information XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
After telling them I owed other agencies mainly the State of Washington money and that they would have to wait. They continued to call me at least once if not three times a day looking to set up payments. All while denying that I had talked with anyone about my situation. They continually harass my family members and some how found out my new work number in a different city across the state and has started to contact me here putting my job in jepordy and tarnishing my professional reputation.
I am filing this complaint because Equifax | XXXX XXXX | XXXX  has failed to remove unverified information off my credit report. I have provided documentation to prove that the information on my report is reporting incorrectly but the information keeps coming back verified. I provided a letter from a previous landlord as well as the eviction notice that was served after the property had been vacated to prove that the dates and accusations were false but the bureaus still continues to report this erroneous information. Also, there is a 3rd party collection agency claiming I owe them money for an account with XXXX. I contacted XXXX personally and they have no record of the account number or the social security number attached but this continues to report. I also had a creditor break the terms of the contract. The contract stated 1 weekly payment of {$29.00} but the creditor began taking 2 payments weekly without my authorization. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this matter as soon as possible.
In the month of XX/XX/2015 Capital One credit card says that I was 30-60 days late on my payment, The vendor actually sent my bills to a wrong address, and I believe the bill was still being paid ontime this is actually the only missed payment listed negatively on my credit report.
I contacted the business as soon as I found out about the check being dishonored. The amount was XXXX and we paid the business XXXX the business and I agreed to. We have now been contacted by DCI credit services of XXXX north dakota to pay the XXXX and a XXXX dollar fee. When I contacted them to tell them we paid the company they told me it did n't matter we still had yo pay the fee after we already paid one.