WillisBack/dataset-financial-user-claim huggingface dataset:
I graduated in XXXX after getting an XXXX from XXXX I married directly out of college, had a son and was a stay at home mom while my husband worked. We divorced in XXXX and I sought work out of the home to take care of my son. In XXXX I filed for Chapter XXXX because I was unable to pay my bills and take care of my household all at the same time. During the proceedings a representative from some student loan institute said they would not forgive my loan but they could re-work the payments ( even though during the year I filed they were forgiving student loans ). I have never defaulted on my loan but now I am starting to feel overwhelmed because this debt that started out at around {$35000.00} when I graduated in XXXX, is now almost {$150000.00}. I am almost XXXX XXXX XXXX and based off my income they have set my payment at a zero dollar monthly payment. I do n't know how I will ever pay a loan off on my income and based off a zero dollar payment. I have spoken to several representatives about how to get my loan down and all they recommend is working XXXX jobs. Wow what advice. I have applied for XXXX jobs, for government jobs and even the XXXX. None of which have been successful. I feel like there is no light at the end of the tunnel. Are there other alternatives? What can I do to pay down this loan? I am not running from my responsibility but it seems like my financial obligation has tripled as a result of me not being able to secure employment paying me a high enough wage to keep up with payments.
I have a debt with 21st Mortgage Corporation that is a voluntary repossession. It was for a mobile home but was never connected to any type of land. I do agree that it should be a voluntary repossession but it should not be coded as a mortgage account, rather as an installment account. Since it is coded as a mortgage account it is showing up as a foreclosure on my credit report. It is incorrect and a FCRA violation. It is also showing up as mortgage late payments, but shouldn't since it was never a mortgage.
SYNCHRONY BANK HAS CLOSED SEVERAL OF MY ACCOUNTS THAT WERE NEVER IN NEGATIVE STANDING. THEY HAD NOT BEEN USED FOR A FEW MONTHS. I WENT TO TRY AND USE SOME OF THE CREDIT CARDS AND THEY HAD BEEN CLOSED WITHOUT MY KNOWLEDGE. I DO N'T UNDERSTAND WHY THEY WOULD DO THAT TO ME.
I received a call on XXXX/XXXX/XXXX at XXXX in the morning from Zenco Collections XXXX XXXX XXXX XXXX , TX XXXX on a auto loan incurred in XXXX, with a remaining balance plus interest incurred after the vehicle was surrendered back to the finance company in XXXX, XXXX being 90 days past due payment. At that point I had been laid off from my job and could not meet this obligation on unemployment insurance. At the time I surrendered the vehicle, I was unable to attend my father 's funeral for lack of funds. 
This morning I was threatened with wage garnishment, legal action to seizure of assets, and potential incarceration unless I agreed to immediate payment of {$2000.00} or a minimum payment schedule of {$50.00} per month to pay off the debt. While I agreed to this since I have no means to defend myself in court and I was under pressure by their threats, I explained to them that I was currently on half-hours in employment and having trouble covering food, shelter and daily expenses. My wife retired prior to my hours being reduced and is on a fixed income. I have been putting off medical and dental work because I am unable to afford the deductible/copayments at this time. They insisted that I MUST give them an answer at this moment or face legal action. 
After Checking about dedt collection and finding that the debt was beyond 4 year Statute of limitations. I contacting the States Attorney for Consumer Affairs. I cancelled the debit card that I had given to these people, understanding that the debt itself was past collection limit, and that the pressure used was unethical and unfair.
back at the end of XX/XX/XXXX I had signed up on their website for auto pay. in XX/XX/XXXX I  received notice from them that I was 30 days past due. I had called them and explained to them I had signed up for auto pay and showed them where on their website I signed up for that. The manager explained that their website was incorrect and I had to go into a different area on the website to set up auto pay. The manager went on to the website and saw where I had signed up for auto pay so he waived the late fees and promised to not report me 30days late since it was not explained that I had to sign up for auto pay in two different areas on their website.

Just recently I pulled my credit and saw the late payment on my credit report. I went ahead and disputed it with transunion and they said that matrix refused that correct the report. 

I then sent a letter to matrix asking them to fix the credit report and reverse the late payment that was reported by them for XX/XX/XXXX. They never responded to me nor have tried to reach out to me. 

This is not my fault and their website is completely to blame. How does a consumer know that they have to sign up in two different areas if not dosent say that. 

Ive been a loyal customer to them since XX/XX/XXXX and pay ontime everytime in addition to their monthly billing fees they charge me just to have their card.
On or about the first week of XXXX I apply for a refi-mortgage with Wells Fargo bank they asked for {$510.00} for the appraisal. On XXXX XXXX after watching the negative news about Wells Fargo I decided to cancel the loan process via text and email. The loan XXXX who was handling my case pleaded not to, but at the end I requested not to proceed with the loan and the appraisal. 
On XXXX XXXX I received a {$510.00} charge on my XXXX credit card, I reply to XXXX loan XXXX and she said they will credit my account, and that there was no appraisal done.
I have been having a difficult time making my monthly payments on my loan with  XXXX . In  XXXX , I had several  XXXX  student loans consolidated which at the time had a principal balance of {$95000.00}. I, unfortunately, was diagnosed with several medical issue s ( i ncluding  XXXX   XXXX   ) a nd have had an increasingly difficult time making the loan payments.  XXXX  apparently bought the loans from  XXXX  and started calling me several times. When I explained to the customer service representatives that I was unable to make payments, they reassured me that they were sensitive to my circumstance and they suggested I go into loan forbearance as it would not adversely impact me but would give me ample time to repay my loan when my circumstances hopefully improved. After it was agreed to loan forbearance, I noticed a few months later that my principal balance was increasing despite the fact that I was assured the forbearance plan would simply delay my payments until I can pay them. I was not aware that I was being charged interest or fees during this period and that my principal balance would be increasing. The customer service representative made it sound like they were doing me a favor by forbearing the loan given my circumstance. Instead, I learned that they duped me and were instead charging me over {$400.00} per month in additional principal. I was literally duped by  XXXX .  <P/> When I finally realized what was going on ( because I had my son try to help explain the matter ), I reached back out to Navient and spoke to a gentleman named  XXXX  on  XXXX / XXXX / XXXX . He, unfortunately, confirmed that I am being charged these fees that I was unaware of. Unfortunately, I still dont have the ability to make the monthly payments. The company should be fined for misleading me. I would be surprised if they have n't done the same thing to countless other customers. They literally try to take advantage of people like me who have been ill or can not make the payments by encouraging us to go into loan forbearance without properly explaining that we are going to have to pay a huge amount of interest or fees. Its wrong and unfair.  <P/> Id appreciate any assistance you can provide and if you could please call me at  XXXX  to let me know what is the best way to resolve this matter. Thank you in advance for all your assistance.  <P/><P/>  XXXX
My husband and I recently signed a loan modification agreement with Nationstar. In the agreement, our new payment effective XX/XX/2016 is to be {$2200.00}. I accessed Nationstar online this morning to make my first payment -- and was shocked and extremely disconcerted to learn that the payment was changed to {$2300.00}. We contacted Nationstar to ascertain the reason for the increase. We were summarily informed the an escrow analysis had been conducted -- SUSPICIOUSLY AFTER we signed the loan agreement -- and due to said -- our payment increased. We asked why had this information not been disclosed to us -- as this " escrow analysis/increase had been done unbeknownst to us. We stated that had we known that the new payment was not going to be what we agreed to ( and are in possesion of the signed documents to this effect ) then we would never have signed the loan. We were condescendingly informed that the stipulations for payment increases are reflected tin the documents that we signed -- and we should have " looked closer ''. Nationstar is guilty of false representation. They presented us with a new payment on our loan effective XX/XX/2016 -- and changed the payment, based ostensibly on wording that is buried, and written in a stealthy manner in the loan agreement. In addtion, an arbitrary " escrow analysis '' was done to increase our payment -- even before the first payment was due -- which was not disclosed to us, nor did we sign for. The games that Nationstar is playing with our mortgage is against banking laws..and the fact that they apparently will not honor the payment that they presented in the loan agreement -- and we agreed to, and are in possesion of the documentaion to this effect -- is analagous to a breech of contract. 

Nationstar continues to earn its " XXXX '' rating with the XXXX.
Midland Credit Management , Inc ( MCM ) is reporting a debt collection of {$890.00} under my name to XXXX credit reporting agencies ( XXXX, XXXX, XXXX ). I requested that MCM send me specific information pertaining to this debt because I have not had a XXXX credit card ( original creditor ). When I requested the validation of this debt, MCM replied with a sloppily photocopied credit card statement and subsequently submitted a " Disputed '' remark to the XXXX credit reporting agencies. This is troubling for several reasons : - I did not and have not had a XXXX credit card. The statement does not show any agreement I entered with this bank to open a credit account. I do not know how or why an account was opened and is being reported under my name. 

- I did not, at any time, request to submit a " Disputed '' remark to the credit reporting agencies. I was merely requesting more information about an alleged debt, but MCM took it upon themselves to report something I did not dispute. 

- MCM is not only attempting to collect a debt that is not mine, they are attempting to collect an amount of {$840.00} without explanation. The statement they sent me as " validation '' of this alleged debt shows a balance of {$590.00} with no further explanation as to how or why they are reporting a balance that is {$250.00} more than what they are suggesting I owe. 

MCM 's debt collection is not only inaccurate, but irresponsible. They have not, in my opinion, provided sufficient verification that this alleged debt belongs to me, yet they continue to report it monthly. In addition, they should not submit disputes that were never requested by me just because I am requesting more detailed information about an account. This feels like a bullying tactic to ( 1 ) make a person feel guilty about requesting more information, and ( 2 ) indirectly provide that person with the negative consequences of having a dispute remark on their credit reports, such as the potential ability to obtain future credit or loans.
I have been a Cabelas XXXX XXXX card holder for XXXX plus years. I had one issue during that period that was easily rectified. In XXXX 2018 Cableas switch to Mastercard, during this transition I received no statement so I called them, I paid them over the telephone and mailed the remainder total amount due immediately that same day. I have never carried a balance over my 30 years of having a card. 

Since then I received a new statement {$1200.00} new balance, no previous balance, but includes an interest charge, {$59.00}! the interest charge they claim is based upon a pre-projected amount I usually charge of {$3900.00}!
Sunrise Credit Services , Inc. is attempting to collect a debt for a creditor named XXXX XXXX XXXX XXXX, which is my mobile carrier and I am in good standing. 

When I question them about this debt, they then say this is for XXXX XXXX XXXX XXXX XXXX. 

I contact XXXX XXXX XXXX XXXX life to have them provide security services for a home. They were not able to install the service when required, subsequently, nothing was signed, nothing was installed and the service was NEVER activated. I am not able to get any on at XXXX XXXX XXXX to address this issue.
I paid for a one time {$29.00} for a credit report from Transition. Now I see that I was enrolled into some automatic plan within 10 days of my single payments. Obviously this is a scam with Transition because a search of the internet shows that thousands of complaints. This can not be the first time you heard of this unethical practice. Why is this company and numerous other companies allowed to use this automatic enrollment scam unfettered without punishment? 

My Orders ( XXXX ) Order Number Date [ - ] XXXX XXXX/XXXX/2016 Details : Print Receipt Product Type Price Transition from TU alerts to XXXX alerts auto_transition {$19.00} [ - ] XXXX XXXX/XXXX/2016 Details : Print Receipt Product Type Price TU Report, TU alerts, and credit lock access initial {$1.00} [ - ] XXXX XXXX/XXXX/2016 Details : Print Receipt Product Type Price XXXX Merged Report, All XXXX Scores, and Debt Analysis sub_transactional {$29.00}
I opened a Citigold checking account with Citi Bank using a promotional code for XXXX XXXX XXXX miles. I then opened the account and completed the requirements for the promotion. Citi confirmed multiple times in writing that I was eligible for the promotion, that I had met the requirements and would receive the XXXX miles by XXXX/XXXX/16. After not receiving the miles by the specified date I contacted Citi and was told that I fact was never eligible for the promotion.
. I submit a Letter Of Validation to Midland Credit Management. To provide me with the following : Agreement bearing my signature, or contract, valid copies of the debt agreement. A complete payment history on this account along with an accounting of all additional charges be assessed? Anything stating I have agreed to assume the debt. As of this date, I have n't received copy of the alleged letter verify information provided by the seller. Midland Credit need to provide all documents to myself and Bureau of Consumer Financial Protection. Midland Credit has n't response to my Letter of Validation. Midland Credit, have n't removed anything from my Credit Report, they only requested that the XXXX Credit Bureau place account in " Disputed '' is the letter shows. The response notice was n't what I demand from Midland Credit, I am sending the response notice to show the inaccurate of Midland Credit, in my request. I demand Midland Credit send documents showing there accurate of this account number : MCM : XXXX. Originally Creditor XXXX, Originally Account : XXXX.
i was charged for a apartment debt, while i was XXXX in XXXX with the XXXX, i was protected by the military clause and they wo n't remove the debt.
I Requested from the credit bureau equifax on three different occasions, by certified mail and the first time through the online dispute process about incorrect information on my credit file # XXXX and Acct # XXXX. 

The first time i contacted them was on XX/XX/XXXX via online dispute i informed them about inaccuracies listed for a public record of a bankruptcy that is being reported on my credit file.I also let them know that I was requesting to verify the method of verification used by your agency to list this information on my credit file. According to the bankruptcy court they do not verify bankruptcies with the credit Bureaus.i requested they provide me with the following : 1. The courthouse name ; 2. The name of the person who verified the bankruptcy ; 3. The court address ; 4. The court telephone number ; and 5. The documentation used to verify the dispute.

I Also let them know i am aware that According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available And Furthermore, a third-party furnisher of information, such as XXXX XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ) In  Response to this they never supplied me with any of the documentation i requested, i mailed two certified mailings to them in response the all 3 of the same responses i was given by them, one was mailed on XXXX/XXXX/XXXX and the third correspondence was mailed on XXXX/XXXX/XXXX, they have only said the information was updated and still remains on my report without providing any proof of this from the bankruptcy court not a third party. they have failed 3 times to provide any of the information i requested so i requested that they Delete this from my credit history but with no success or proper response.
XXXX rendered on XXXX/XXXX/2016 - it has now been almost a year. The hospital fraudulently billed. My insurance company paid the bill, the hospital billed me for the copay/balance - which was also incorrect. The hospital then sent the bill to collections. I notified the hospital & insurance company in XXXX 2016 that the bill was incorrect. 
I have maintained contact with hospital & insurance company and have been attempting to resolve the issue. In XXXX 2016, my credit score was XXXX, currently it is XXXX and continues to drop over {$100.00}.
This complaint is dealing with the Equifax Breach 2017 earlier this week that affected up to 143 millions  customer records. I learned from my current employer to go to https : //www.equifaxsecurity2017.comXXXX to see if I was impacted and I was along with my husband. This information should have been shared with everyone back in XXXX 2017 when it started. Also if they had any idea of all the people affected then notification should have been sent to those individuals. This affects my entire family.
Well in XXXX I purchased a loan from Homcomings Bank all was well never had one issue. Then in XXXX my loan was sold with out my knowledge to Gmac and thats where all the problems began. Payments were n't either applied to my account or were applied only to my escrow etc. I would call and complain and they would see they would handle it. Then these extra charges began to show up on my account and I would call and exspect the problem to be resolved but it never would. Then in XXXX my account once again was sold to a nonbank mortage company OCWEN. And the problems have just gotten worse number one every single time you call there is a person who doesnt speak XXXX and has no idea to what the heck is going on. So then we began talking by email. Then they requested we sent them are orginal documents. Number one should they already have all that? " Correct '' After that about month letter they sent us documents with there logo and some print out of the account payments from begining to end. How still owe XXXX on a {$15000.00} loan. XXXX Here the funny thing in XXXX my account was paid down to XXXX and all I have paid in XXXX is XXXX when I have made {$260.00} to {$300.00} a month payments. The documents they have sent saying I had a ballon account from the get go. The documents they sent do not match my documents. Its almost like they have cut my signuture out Pasted it to there papers. And trust me that can very easy be done. I saw other complaints against this company and they are all basically the same as i am Experiencing now. Someone needs to do something this is just crazy ... ... .PLEASE DO SOMETHING as well they have returned all my payments from XXXX on of this year and they took payment in XXXX, XXXX and then in XXXX they returned all the payments in XXXX weeks of cashing them. And been sending forclosing letters etc. What in the heck is wrong with these people?
I filed Chapter XXXX bankruptcy in XX/XX/XXXX, during my whole Bankruptcy procedure, I was locked out of my account by XXXX XXXX and they would not communicate with me on the phone at all. My Chapter XXXX was complete on XX/XX/XXXX and I never missed a hose payment the whole time. 

In XX/XX/XXXX, I lost my job and cashed in my 401k. I have been working minimum wage jobs and using my 401k to pay my Bills. XX/XX/XXXX was the first time I had fallen behind. I knew my 401k money was running out several months before that, so I requested a loan modification from XXXX. I have gone through the ringer, refaxing them things over and over again ( 3 times ).

I got a letter about two weeks ago, saying they had gotten a complete file and were reviewing my modification. I sent in my XX/XX/XXXX payment and it did not clear the bank, it was from my friend and she was rushed into XXXX and was unable to make her deposit. They were notified befor the check ever came back to them. 

XX/XX/XXXX I called to find out how to get the check back and to tell them I had gotten a new, better, job and my situation would not be long term now. I spent 42 minutes on the phone with a customer service agent who took a payment arrangement of {$200.00} by XX/XX/XXXX. 

Today, XX/XX/XXXX, XX/XX/XXXXXXXX FROM XXXX CALLED to say I had three choices, he began to rattle them off to an authorized person on my account, who told him she was on bed rest. She told him she wasn't getting out of bed to go get a piece of paper. She later called back and asked for them to email what they were talking about and the refused. They don't seem to want to EVER provide anything in writing. 

My representative has spent 3 months, solid dealing with them and has gotten no where.
I lost my XXXX  job and since than I haven't been able to make two payments for my credit card, because the minimum payment is too high. If it was lower I would make the payments but as of right now I cant afford it.
During the month of  XXXX   2017 , I disputed a company on my credit report  XXXX   XXXX   XXXX ,  XXXX , ACCOUNT #  XXXX  I received a letter from them stating that they were submitting a request to the credit bureaus to delete all tradelines from my credit report. On  XXXX   XXXX  I faxed a written letter to Transunion as well as the letter from  XXXX   XXXX   XXXX ,  XXXX  as PROOF stating that they were deleting this account from my account. On  XXXX   XXXX , I contacted Transunion in reference to my faxed documents. I was told that they had to contact the company and it could be up to 30 days for results. I feel as though, I should n't have to wait the 30 days for the company to respond when clearly that stated in the letter that they were deleting the account. It seems as if I did n't have documentation I would understand the 30 day wait, but I have documentation from the company that was faxed to them and they also verified that they have received this information but they will not delete it.