WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a Brokerage Account and a Checking Account with Charles Schwab on XX/XX/18, the Brokerage Account opened immediately but the Checking Account went into review. On XX/XX/18 at XXXX XXXX I received an email asking me to review my account information on their website, when I did I noticed the checking account hadn't opened yet. I called a Charles Schwab representative on XX/XX/18 at XXXX XXXX to find out why and was told that everything was fine I had gotten the checking account and it would be available for funding on within 24-48 hrs. After this phone call I received a welcome to Charles Schwab email at XXXX XXXX, reinforcing the information he provided about my checking account being opened. Today, XX/XX/18 I went to log into the account only to find out that everything has been closed. I called Charles Schwab and spoke to three representatives, this first verified who I was and when he went to investigate what happened to my account I was put on hold then with no noticed transferred to a woman named XXXX who informed my that they pulled my XXXX  report and had to close my account. I asked what information caused it to close and she would not provide that information over the phone, she said it had been mailed to me, I asked why I was told I had been approved for a checking account only to then have my account closed and she could not provide me with that information. I asked to speak to a supervisor, XXXX forwarded me to XXXX ( employee identification number he gave me : XXXX ), XXXX would not provide me with any information either, I asked him for the first names of the employees I had spoke to on the phone so that I could document it, XXXX would only provide me with his name and XXXX name ( not her Employee Identification though ), he said that they can see who I spoke to and when but refused to tell me who else I had spoken to on the phone or who the employee was who had told me I had been approved for the Checking Account. I had asked if their was a resolution center I could speak with, XXXX gave me the following address : Client Advocacy Team, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX California, XXXX. I asked for a telephone number to real the Client Advocacy Team and he refused to give me one. XXXX said I could only mail them. XXXX was very unhelpful and even threatened to end the call. I was forced to hang up with no information at all, I never even received an email from Charles Schwab saying my account had been closed, I just went to log in and it had disappeared. Extremely disrespectful.
I have been XXXX for over two years during this time I requested a modification 't with Citi Mortgage got the modification approved which increased my payments but that is another story. Every since then which was 2014 I have been having small issues with them getting letters stating my modification was denied I owe back escrow things like this that I was able to resolve until now. They are saying they are foreclosing on my home because I have n't made a payment since XXXX which is completely false and everytime I called and spoke to someone they said they were looking into it and when I got a point of contact they always went on vacation or transferred to another dept so now they are no longer allowing me to pay my mortgage because I am not on a repayment plan so I will fall behind and lose my house
I recently filled out an application to rent a house. When I received my Email from the rental place I was trying to rent from it stated that my rental history was declined.I then wondered why was it denied to to the fact that I have no rental history. I filed for a background screening report an once i received it I found that someone by the name of XXXX XXXX rented out of XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX in the amount of {$660.00} a month with an open balance of $ XXXX states that this person never gave proper notice of leaving the residence.I did not authorize this person or any other person to use any of my information.
I have multiple loans through Navient and at some point XXXX XXXX. One of my Navient loans was placed into FORBEARANCE on XX/XX/XXXX. Since obtaining my first federal loan I have been in and out of college and in-between multiple jobs. Navient, XXXX XXXX, and Pioneer have all hounded me in regards to my loans ( by phone and mail ). During the time my navient loan was placed in forbearance I was not employed, living with my dad, and had XXXX income. I distinctively remember telling the woman from navient or XXXX XXXX that I had no way of paying and I did n't know what else to do. She stated forbearance was my only option. I told her I needed to think about it and I 'd call her back. She called ME back three times and on the third time I accepted forbearance. Every time I would talk to someone regarding these loans ( when I had missed payments/on the brink of defaulting ) I was always left clueless and helpless. On numerous occasions I explained I was unemployed with zero income and they 'd offer me some confusing deal ... never once suggestion an income-based repayment plan. It got to the point where I ignored their calls..they were no help. All my loans have defaulted at some point. XXXX/navient, at one point was calling me 2-3 times a day and my family members, even after I told them I had no money to pay and stop calling. All of this took place years ago between XX/XX/XXXX and XX/XX/XXXX, according to www.nslds.ed.gov. I do not know all the information regarding my loans but I believe my loans have been consolidated. I attempted to obtain more information from Navient but their website is n't responding and I am unable to get through on phone. Once again, my loan is on the verge of default. Feel free to contact me for more information. Thanks
Hello, I am written to you for help on my derogatory remark on my credit report. I have a collection payment on my report. This medical collection is 2 years and 6 months old. I don't have the exact date and documentation of when I got it. At the time I was inexperienced with my credit, but now I trying to improve my credit score. Also I was unemployed at the time to repay the collection debt. I am trying to repay my collection and was seeing if you would be able to as a goodwill gesture to remove my derogatory mark.
I received in the mail from Equifax a letter with two addresses for me. Both were incorrect. One address I never lived at and the other had an apartment number associated with it ( I live in a single home ). I contacted Equifax via email and was instructed to call during business hours. The first agent was very difficult to understand as English was a second language. After an hour of proving who I was, the agent would not accept my correction for my address. The agent 's requirement was to provide several forms of proof in documented format faxed to them. I could not understand all of the requirements because of the agent 's English. I requested to speak to the supervisor and verbally we agreed to update my address. I do not have proof that it was completed.

I am dismayed that the only two addresses that Equifax had proposed to me were both incorrect. I can not imagine what other information is incorrect in my report. I currently have a credit freeze on my credit report because my account information was part of the Equifax data breech.

I hope others do not experience the same level of misinformation and reluctance to correct.
I currently have {$38000.00} in private student loans. With the interest rate and payment plan that I am on ( 240 months or 20 years ), I will end up paying to the loan companies about {$78000.00}. Which is more than double my actual loan rate. I was not informed of this when I took out the loans and I am struggling to make ends meet and working XXXX jobs, but I am still scraping by to make ends meet on top of paying my other bills.
This company mailed a letter about a collection for XXXX, dated XXXX/XXXX/XXXX, for {$100.00}. 
It states " ... if this account is not paid within 30 days from the date of this letter our client has instructed us to review the account and make a recommendation as to further collection action that needs to be taken. '' It does not state there are 30 days to dispute the validity. 
I have not responded.
XX/XX/2018 checked my online account making sure no auto payments went through called customer service to confirm what Ive seen on my end she sees on her end. My account in positive. I didnt want any surprises. It was XXXX in Hawaii and Im expecting a direct deposit by or before midnight. XXXX I check online app again I see - {$260.00} Something, not sure of change. Called Bank of Hawaii and after entering my information it tells me my balance is {$50000.00} something in change. I go back to my online and Im locked out I have to reset password and get back in and in the meantime Im waiting on hold for a customer service representative. She finally answers me before midnight I let her know whats happend and I finally get back in online it shows me my balance at {$740.00}. I let the representative know I called in on purpose to make sure this Wouldnt happen again me paying an overdraft fee {$26.00} and my bank rejected my payment sent back unpaid! I was on track monitoring my back how they been deceiving me and taking my money every week! Im positive theyre doing it to everyone. I need your help to get to the bottom of this and exposing them.
Original debt to physician apparently was not paid, although I was on a payment plan through the hospital which began in XXXX and paid in full in XXXX. 

In XXXX I made an agreement with the first company to purchase the original debt as I was told that the physician was never paid but that the hospital had been paid. I held to my end of the bargain that was offered. 

Now, nearly 2 years later, a third party has bought the debt, in the original amount. They threatened to put this on my credit report, which they have, and they will not listen to my story. 

I was unemployed and uninsured when I was admitted to the hospital with XXXX.
I am NOT late on my mortgage, and always make my payments within the grace period, yet Seterus calls repeatedly to " collect a debt '', telling me my mortgage is " in jeopardy ''. I have told them in the past, that unless and until my payment is late, these calls to " collect a debt '' are harassment and I will file a complaint. Today is the XXXX of the month ( XXXX/XXXX/XXXX ). I have received two phone calls today ( interrupting a business meeting! ). The first call ( XXXX ) I could not answer and it went to voice mail ( they did not leave a message ). The second call came two hours later ( XXXX ). When I asked who it was, the representative said " this is an attempt to collect a debt '' and needs to speak to me about " my mortgage balance ''. She said my mortgage is " in jeopardy ''. I explained to her that my payment is n't late, it is n't due until the XXXX. She said " the system automatically makes calls after the XXXX of the month ''. I told her unless and until my payment is late, do not call me to " collect the balance '' or tell me that my " mortgage is in jeopardy ''. There is absolutely no reason to " collect the balance '', nor is there any justification to state and/or imply that an account is " in jeopardy '' on a mortgage that is paid timely.
XXXX XXXX, XX/XX/2015 sent a letter requesting this debt to be validated and noted on my credit report. This has not been validated not noted on my credit report.
Wells Fargo has rearranged transactions in order to charge me overdraft fees. They have also posted transactions in time only when it 'll cause me to overdraft. When I do deposit money when I 've noticed I 'm negative, all of a sudden the next day that transaction that caused me to overdraft is magically gone ... They expect me to forget all the trouble I went through to avoid an overdraft and think nothing of having a surplus in my amount available? They just want me to think I have more money than I actually do so they can get a fee from me. No, this is not right and I knew it was n't right ever since I opened my account. Who knows how many times they have done this to me without me noticing?? Scam artists. I only realized what was happening after this time that I noticed something was wrong. All it took was a search with my question about them scamming people for me to realize I need to switch banks immediately! No one should do business with them. I have learned my lesson and will research my future bank much more thoroughly.
On XX/XX/2018 I made a purchase for {$75.00}. On XX/XX/2018 I made a purchase of {$160.00} " No Interest if paid in full in 6 months ''. My account had been setup with autopay for the minimum balance. I did not realize the minimum balance would not cover my purchase for {$75.00}. On XX/XX/XXXX I incurred a {$2.00} minimum interest charge. I contacted XXXX customer service who refused to wave the {$2.00} interest as a courtesy.
Date reported was XXXX/XXXX/XXXX. Last reported on XXXX/XXXX/XXXX. This is a collection agency. I paid the balance in full. Collection should be deleted off all credit bureaus. Contacted the company and they never deleted it! Still hurting my credit scores. They remarked this account to the credit bureaus only paid in full. Should be deleted as well.
The receivable management is trying to collect a debt from me, XXXX XXXX, inside the state of Arkansas where they are not licensed nor bonded which is against the law. I would like for this to be removed from my credit report immediately and for them to cease contact with me.
I have asked that all correspondence be by mail. Pioneer Credit calls multiple times a day to myself and numerous family members. 
They are now engaging in deceptive practices of making false representations by somehow displaying my family names on the caller id in place of their phone number. This is harassing and intimidating uncalled for actions on the part of Pioneer Credit.
My name is XXXX XXXX. I have been disputing with the credit reporting agencies for several months now. They are reporting a Bankruptcy that I have been trying to get additional information on. I have asked the XXXX house if they correspond with credit reporting agencies and they indicated they DO NOT. The bureaus are using a third party as well to report information that they themselves do not investigate. Even that company they use DO NOT CORRESPOND WITH THE XXXX HOUSE EITHER. The FCRA mandates that if they report information they have to be able to truly validate it. How is that possible if the court house wo n't? Anyone how owns a computer can research things but that does n't mean that it 's true information!
I have applied for the Public Service Loan Forgiveness program multiple times. I was enrolled for a few months before I consolidated my loans ( early 2017 ), at which time they told me I would need to re-apply. Over a year later, I still have been unable to get my PSLF application approved because I have " missing documentation ''. I even went so far as to upload all of the correct paperwork while on the phone with a representative to verify they had everything they needed. Once that was verified, I thought it would work, but I still have not had any payments go towards my PSLF. I have now lost over a year of qualifying payments and don't know what else I can do.
I do not have any debt or mail going to : XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX This is not mine. 

Thank you, XXXX
I have 5 Loans with Navient. 3 of these Loans are under a rate reduction plan. When I applied for the second year of my rate reduction plan for these three loans I was asked to agree to terms 12 times, one for each month. I agreed to a debit payment once for each month for an amount of XXXX $ to be disbursed to the 3 loans under the rate reduction program. These payments being made on time are a stipulation for reapplying for the program in the following year, so keeping these loans current is vital for my financial well being. Last month on XX/XX/XXXXNavient received a payment of XXXX $ from my father 's account to be disbursed across the remaining 2 loans. Then on XX/XX/XXXX Navient received my scheduled payment of XXXX . The problem is that Navient disbursed the XXXX $ and the XXXX $ payments across the remaining 2 loans that are not on the rate reduction program before disbursing payment to my rate reduced loans for which the automatic debit was dedicated. I called Navient about this issue two days ago onXX/XX/XXXXand complained and was told that another department found the error and the past due status would be removed from my account. I was told to wait 24 hours for the changes to appear online. I logged on today XX/XX/XXXX to find that my automated payment of XXXX $ has yet again been disbursed to the two loans that are not under the rate reduction program. This leaves a total amount of XXXX $ owed for this month on the 3 rate reduced loans. I have no issue with paying this amount, I would eventually have to pay this anyway. The issue is I have an automatic debit set so that the rate reduced loans are never paid late. I avoid being late on any payment but at all costs my rate reduced loans are paid on time for obvious reasons. Two months in a row now Navient as disbursed my payments away from the loans they were agreed to go to. These two months have been the only occasions in almost a year in a half where my automatic payment did n't go only to my rate reduced loans. This leaves me with only two explanations in mind : Something in Navient 's system has failed to keep my records accurate in order to keep my payments going to the right place, or Navient has chosen to disburse my payment incorrectly in an attempt to cause me to default on my rate reduction program so they can force me to pay the full payment of these loans despite my cosigner being dead. I called Navient again today and told them that the problem has happened for a second time and the person on the phone spoke with the person I dealt with 2 days ago. They claimed they could n't see how the money had been disbursed because it was n't past due. My customer log in supplied more information than their payment center. This is baffling to me. I was told to wait 24 hours for them to have more information and to call back. This strikes me as just another attempt at capitalizing on my possible inaction.
XXXX of weeks ago i happened to check my credit report and i realized that it had addresses that i have never lived, several activities that i was unaware of. XXXX activity claimed i had service with XXXX and did not pay my bill, so XXXX passed on that debt to debt collector " XXXX XXXX XXXX '' amount of {$1100.00} under XXXX account number XXXX. I filled a claim with CFPB to XXXX XXXX XXXX with explanation that i had never had XXXX services and my identity was compromised. After a few days of investigation account was recalled by XXXX and closed on XXXX/XXXX/2015 agreeing that it was fraudulent account. Few days later i got a debt collection notice from " Afni XXXX '' with the same XXXX account number and amount claiming its new collection notice, i reached out to them and did n't get any help. see attached document
On XXXX XXXX, XXXX Navient place my loan in deferment until XXXX XXXX, XXXX without my authorization. During this deferment period my loan will continue to acrue interest and my unpaid interest will be added to the capital to form a new capital. Can I please get some help in resolving this issue? Are they allowed to do this?
Today, XXXX/XXXX/XX/XX/XXXX, at XXXX XXXX CST, I received a phone call from someone stating that they are with the XXXX and that they are representing HSBC Bank. She stated that they are working with HSBC to file Felony Theft of Business Services charges against myself and my husband due to a vehicle that was repossessed from us. The vehicle was repossessed back in XXXX XX/XX/XXXX. She stated that HSBC has been sending letters to us, but we have not received anything to date in regards to this. The address that they have supposedly been sending letters to, we have not lived at for over 6 years. We put in a forwarding address with the post office and our current address is listed on file with our credit report. The original creditor HSBC has already written off the debt and it has already fallen off of my credit report. I have not seen the collection for the debt listed on my credit report any longer as of XXXX XX/XX/XXXX. Can they legally file these charges against us on a debt that is almost 8 years old? Is n't this considered a " Dead Debt '' which in Texas is illegal to collect on? When I requested written documentation, she stated that it would take 30-45 days to receive in the mail. She stated that they only have it in their office for the next XXXX hours before it goes to be processed for a summons for court. She did not ask for my current address. She also stated that I would be receiving a summons in the mail to appear in court in regards to this matter. HSBC has made no attempt to contact me since XX/XX/XXXX when the vehicle was repossessed.
Per the purchase contact, I was required to double apply with New American Funding. My original lender XXXX advised that they would not be able to lend on the complex. New American Funding ( Loan officer XXXX XXXX ) told me that XXXX American Funding would be able to do the loan because they had previously closed in that complex and they had the condo certification and approval so there would be no issue with the loan. I proceeded. The loan officer called me and said that the loan was approvedand about 2-3 days later I received the approval via email. My realtor emailed the loan officer about removing loan contingency and from what I can tell there was a verbal go with removing loan contingency. I signed off. Because of the lender New American Funding, my cling date was extended 2-3 times. At the 11th hour, right before we are scheduled to close, the loan officer calls me to tell me that their underwriter is requesting a full condo review. The end story, the loan XXXX calls me to tell me that they can not lend on the complex. Now my $ XXXX deposit is at risk. I received a Cancelation of Escrow with the funds to be held.
I am not sure how CMRE financial was able to grab a hold of my information.. 
CMRE have already sent me 2 letters with different amount balance each time. They have left me a voicemail stating that they are calling in behalf of XXXX XXXX of California, this is a fraudulent claim by CMRE. 

I do NOT owe any money to XXXX XXXX of California. I have contacted XXXX of California and confirmed that there is no existing amount due. My final payment was made in 2014. 


CMRE needs to be investigated because they are stealing innocent people money. 
Please help me get this fraudulent company CMRE off my back.
TodayXX/XX/XXXX I called eqifax 's sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from XXXX XXXX wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. XXXX blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! XXXX clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.