WillisBack/dataset-financial-user-claim huggingface dataset:
I had originally attended XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX, FL XXXX in XX/XX/XXXX of XX/XX/2010, with the intention of pursuing an XXXX in XXXX XXXX, however the program itself was over {$32000.00} i had ended up finishing my degree owing more then {$56000.00} worth of loan of course including the combination of federal and private loans. Currently I am making my payments towards a lending service called Genesis lending of which i owe more than {$12000.00}. Unfortunately my current financial situation is not the best and to make monthly payments is almost difficult. They had promised me a career in Major and the only thing that they were able to give me was a part-time job as a XXXX. In my honest I feel that what that school had to me and many others like me was a great in justice. and now in order for me to continue my education I would have to pay for it out of pocket without any assistance, and to be frank there is no greater tragedy especially for someone of my age who has his whole life ahead of him.
On   XXXX    XXXX   2017 , I used my debit card at a gas station around  XXXX . I then headed to work where I stayed until the evening. I have a signed document from my boss confirming my hours. My card was with me the entire time and can be proved since I used it a couple times while in the area. By about  XXXX  there was a " balance inquiry '' made at a random ATM on the other side of town which we know of bc we were charged a {$3.00} fee. By late afternoon/early evening there were  2 mone y orders taken out of our account for {$700.00} each and were picked up at the sam e location ( post office ). We have copies of the signed money orders ( 2 different signatures/names ). Our checking account was completely drained, we called Suntrust and they refunded us the {$1400.00}. We thought all was well. Then about a week later we received a letter saying they were t aking the money back. We were astonished and confused. For weeks they refused to tell us why. They said that the  " investigator '' re ported too many inconsistencies, whatever that means, and would n't give us any details on the investigation itself ( if they checked camera footage, etc ). I filed an appeal here and got denied again. Then they finally told us that apparently because they had my pin and I had a chip that it was next to impossible, and that its not really heard of. I have been doing research for a while now and have eith er found, read, or heard first hand stories of this happening. It 's called shimming. Suntrust did absolutely nothing to try and catch the people that did this and have put us in a situation where apparently we have to prove we are good people rather than do any actual investigating. {$1400.00} is nothing to a bank, but it was all we had. I have had a police investigator on the case and we also got a credit card at his recommendation so that we hopefully never have to deal with someone stealing our hard-earned tangible m  oney again. So here I am, appealing once again for someone to take more than 5 seconds to look at our case because chip reader and pin information are being stolen all the time. It 's not " rare '' an ymore.
For the record and on the record, I XXXX XXXX ; XXXX reserve now and forever reserve my unalienable rights. TD Bank has some checking accounts listed in their system that are not mine. My identity was stolen and used to open checking accounts. I notified TD Bank of this in good faith with the hopes they would rectify this issue. TD Bank in bad faith has refused to remove these accounts out of my name. I demand that TD Bank remove these fraudulent accounts out of my name post haste.
There was a collection with XXXX XXXX that I have been disputing. The account was approximately 5 years old. I disputed many times and it was finally taken off. Only to return through a company called XXXX XXXX XXXX with a resetted date of XX/XX/2017. 5 years of age turned into 3 months is unacceptable and illegal. This needs to be taken off immediately.
AFTER SUBMITTING WRITTEN PROOF OF ORIGINAL SALES CONTRACT AND BANK STATEMENTS PROVING HOW MUCH WAS PAID TO XXXX, EXPERIAN CREDIT BUREAU REFUSES TO UPDATE MY REPORT AND REFLECT TRUE AND ACCURATE INFORMATION. THEY ARE STILL REPORTING FALSE AND INACCURATE INFORMATION.THIS IS MY THIRD COMPLAINT TO YOUR OFFICE FOR ASSISTANCE, PLEASE HELP. I HAVE PROOF OF MONTHLY PAYMENTS OF {$170.00} AND XXXX IS REPORTING {$120.00}. MY HIGH CREDIT LIMIT WAS ONLY {$3000.00} XXXX 'S IS REPORTING {$3900.00}
Ok I 'm trying to make or rebuild my credit with a business loan and a car loan, I been making my payments on time so therefore my credit was increasing every month, from XXXX went up to XXXX so when I come and check this month on my equifax account, it went down to XXXX, i know I ca n't apply for not credit cards or loan because my credit will go down, so i have n't apply for nothing because I ca n't afford another bill and my goal is to increase my credit not to lower it, I believe someone might be using my info to apply for credit cards, because equifax says I recently apply for a credit card and that affected my credit score so I would like this to be fix, because I did n't apply for nothing, also would love to know how to stop this person from using my name, please I need help with this
Capital one card that I had was stolen and used and they have put it against my credit will not let me dispute things closed my account refused to work with me added so many extra charges and will not listen to me even though the same year someone tried to file taxes in my name I had stolen identity but they still will not listen and keeps charging me more and screwing up my credit
In the beginning of XX/XX/2018 I discovered some medical bills on my report that I had no knowledge of. I called and was informed just to dispute with the credit bureaus. I did that and the collections were removed from my report In XX/XX/2018. Well I recently purchased a credit monitoring service and I have discovered that the same collections that were removed by XXXX XXXX XXXX due to possible fraud has been placed back on my reports by another collection agency called Aargon Agency.

First off Aargon Agency is reporting they obtained the debt XX/XX/2018. How is that even possible when I was still disputing the debt with XXXX XXXX XXXX and the debts were removed XX/XX/2018. Secondly Aargon Agency never contacted me nor gave me the opportunity to dispute the validity of the debt, which is my right as a consumer, had they did their due diligence they would have known the medical debts did not belong to me.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..Please remove XXXX XXXX
My current mortgage is under my name and my ex wifes name. I have applied for a qualifies assumption to have the mortgage in my name only and have followed the banks directions. I have been denied twice in the past 6 months as they claim I do not have the sufficient funds for the closing costs ( {$1200.00} ). That is utterly false as I have more than sufficient funds to cover the closing costs and have even offered to pay the closing costs up front. The bank still refuses to allow me to take over my own mortgage despite having provided all necessary legal and financial documentation. I have tried multiple avenues to talk to supervisors, department heads etc, no luck. I have been with this bank for 30 years, and my credit is flawless, so I am at a dead end here. The bank has qualified me for a full refi ( closing costs over {$3000.00} ) so my suspicion is that the mortgage assumption is not as lucrative as full refi which I do not wish to pursue, please help me.
My old pay off Student loans All pay off XXXX XXXX loans And XXXX Equifax XXXX Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay
I have had my account frozen for a week. I am unable to withdraw, send, or exchange currencies on coinbase. 

I have emailed and called the company several times including the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,. Several emails and phone calls. The response it always your case has been escalated but the account remains frozen. 

They have over 10k dollars of my currency frozen on their site. 

We have made several plans to settle the balance and unfreeze the account. I need to access my funds.
I have asked for a loan modification from Specialized Loan Servicing regarding a 2nd mortgage on our home. They sent forms w/instructions to fill out which I have done ( 3 times ). They send to me documents showing every thing is completed and no action needed except for a copy of my wife 's pension annuity letter from the XXXX. Copies of my wife 's annuity reward letter as been sent to them 3 times and now I am sending it for the 4th time for they keep saying they did n't receive all the pages. They have received them and they are either incompetent or they are stalling on purpose. I did a XXXX search on line and found hundreds of people are having the same problem with them. They claim they can modify the mortgage but seems they keep stalling until the time to do so runs out. I have been in this process with them for over 3 months. If not modified this loan will go from about {$120.00} per mo to $ XXXX.per mo. Do to a serious hardship we had during XX/XX/XXXX & XX/XX/XXXX we just cant swing that right now. we only asked for 2 yrs up front to remain under same terms as is now and give us that 2 yrs to get it paid down so the remaining 10 is more realistic. It seems they would rather force us out of our home. We have perfect credit and have never missed a payment on any loan or credit card in our lives.
XX/XX/XXXX - account deleted from credit report. ( Disputed for having no knowledge of account ) XX/XX/XXXX - debt ( {$1200.00} ) reinserted without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with originally therefore I have no obligation to pay this debt ) XX/XX/XXXX - debt ( {$1200.00} ) sold to another collection company. Reinserted debt without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with originally therefore I have no obligation to pay this debt )
We were approved for a trial plan last year with Ditech. our 1st trial plan payment of {$640.00} was due XX/XX/XXXX. when we called on XX/XX/XXXXto make the 1st payment we were told by Ditech they would not accept the 1st payment because our loan had been sold to XXXX XXXX We then called XXXX XXXX to make the payment and we were told by them they could not accept our 1st payment because the loan was still being transferred. we received a letter from XXXX stating the transfer was completed on XX/XX/XXXX, I called again to make my 1st trial payment and again they would not accept my payment because it was not the full amount. I explained to XXXX we were approved for a trial plan. From my understand when a loan is transferred all terms of the loan are transferred as well. XXXX should have honored the trial plan I was approved for. XXXX ID # XXXX is who I spoke with from XXXX XXXX would not accept my payment.
Hi there, I have been trying to get a fraudulent charge removed from my Citi Card for weeks. The charge was made on XX/XX/XXXX in the amount of {$470.00}. I did not notice the charge on my statement until XX/XX/XXXX Citi did not inform me of the charge, as most other banks do. I was assured that the card would be voided, that I would be sent a new one, and that I would receive a credit on my account while the matter was being investigated. I was told that I would receive a credit within 3-5 business days. I noticed on the weekend that the card was still active ( I was able to use it online ). I called Citi, and it seems that they forgot to cancel the card and send a new one. Additionally, the charge had not even started to be investigated, and it would take additional time to receive a credit on my account. I received my new card and assumed that I would be receiving a credit on my account soon. Wrong! Last Monday, XX/XX/XXXX, I called Citi to inquire why I have not yet received the credit on my account. I was told that the charge was " mis-tagged '' and that I would be receiving the credit in 3-5 business days. I was also assured that the credit would be posted to my account before my next billing statement. It is now a week later and I have received my new billing statement. There is still no credit. I just contacted Citi Bank and was told it would take an additional 7-10 business days. I have never had such trouble dealing with credit card fraud.
On XX/XX/XXXX I contacted XXXX, XXXX, and Experian about unauthorized inquiries o my credit report due to fraud. I sent letters. I received no response from XXXX and Experian. XXXX  said they would remove the following accounts but didn't. I have been dealing with fraud ever since my car was stolen in XX/XX/XXXX. Inquiries which are hurting my reports. Since my original complaint in XX/XX/XXXX, I have new inquiries which are not authorized by me. Some inquiries are from companies I have had for years. Why would I authorize a inquiry on open credit lines I've had for years, I already have accounts them!!
We closed on our home XX/XX/2017. We had already paid for homeowners insurance for a full year in advance to closing. Also, my husband is a XXXX XXXX XXXX XXXX XXXX Veteran and so is Tax exempt in Florida. Our loan broker was XXXX XXXX with XXXX XXXX. We informed him up front that we did not want to use Freedom Mortgage. Within 30 days of closing we received a letter stating Freedom Mortgage would be our new mortgagor. We made our payments as described and agreed upon in our contract. However, Freedom Mortgage, cashed our checks and held the money not applying it to our loan. We called them, faxed them, emailed them and hand wrote them using the USPS with certified mail numerous times giving them copies of our contract, proof of tax exempt status, prepaid Homeowners insurance for a year in advance and even had the insurance company verify the insurance status. Freedom Mortgage continued to cash our checks and not apply them to our account and added late charges onto our loan. In fact they reported us as late payments every month on our credit report which has ruined our great credit, caused unbearable stress and embarrassment. We do not know what to do.
I have previously submitted a certified letter on XXXX XXXX XXXX and XXXX XXXX, XXXX which was received and signed for requesting that a dispute be initiated for a XXXX account which is reporting inaccurate and incomplete information on my Credit Report. After the dispute process the results were as follows " account data updated ''. The most current reporting still reports information which is inaccurate and incomplete. 
The following is a list of incomplete and inaccurate information contained in the reporting of XXXX account XXXX. Account was reported opened on XXXX/XXXX/XXXX however there is no reporting prior to XXXX
XXXX real estate accounts with Select Portfolio Servicing are reporting on all XXXX of my credit reports. Select Portfolio Servicing has continued to break the law and report inaccurately to the XXXX credit bureaus. They have violated the FCRA over and over again. In particular they have violated FCRA Section 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). They had 30 days to report that I had disputed their the accounts and after numerous letters to them it has only been in the month of XXXX that they added the dispute language. Well after receiving numerous letters from me, asking them to validate the debt. In addition, to the above egregious acts they continue to report the amount wrong, they keep re-aging the foreclosure and charge-off. I have NEVER received foreclosure documents or charge-off documents. Lastly, I was told today that my accounts had be transferred and they have no information that they can provide me with however, they have enough information to keep inaccurately reporting to the credit bureaus. I believe that their actions are egregious toward me and as a direct result should be removed from all XXXX of my credit reports. I have pulled reports without the dispute language and reports with the language. 
I 've reached out to all XXXX credit bureaus only to continuosly responded with scripted information. XXXX ignore my concerns, talk extremely rude to me and have refused to help me. Please help me.
Dear Sir/Madam, on XX/XX/2018 I paid to GM Financial in full the lease end fees. Since then they have been trying to collect the fees again even after I sent them the copy of the cashed check to them. It has been five months since I paid the fees. Every month they are sending me billing invoice and every month I have been sending them the copy of the cashed check and an explanation letter. I don't see an end to this constant harassment so I am hoping you can help me with this matter.

Sincerely, XXXX XXXX
I am a mutual costumer of Bank of America and I have submitted a compliant about a XXXX ago and XXXX of the employee from customer resolution contacted me and notified me that the issue I had was taking care of and they will issue me a balance I had before they terminate my account and i did receive the check from them but when I took it to the bank they said " the check is invalid '' and they could n't give any explanation as to why. I called the customer service and they said " there is nothing we can do '' they left me with anger and disappointment. This is the most unprofessional bank I have ever seen. None of them could resolve the issue I have with them. It 's my money and they told me that I had a balance that needs to be given to me but they still have n't returned my money. What kind of bank disappoint some one who has been a customer over XXXX years?
XXXX has been non-compliant with removing the unverified account ( WELLS FARGO BANK XXXX ) which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ( WELLS FARGO BANK XXXX ) was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I received wage garnishment at my employer from Winn Law Group collecting alleged debt for XXXX XXXX. They claim the filed a judgement against me but I have no knowledge or documentation regarding this alleged debt. They claim I was served but documents and proof of service claims they served a XXXX XXXX who does n't exist and I have no knowledge of who that person is. I asked for debt validation from Winn Law Group or XXXX XXXX and they have failed to provide it. I just want clarification on this alleged debt. I have attached documents that Winn Law Group has provided along with false proof of summons fromXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Please help me to get these companies to comply with debt validation and have them investigate. Thank you
My number was provided as a reference and I continuously get calls even after I 've asked the company to not call me looking for the borrower or to relay a message to their borrower who has a working phone number..
We signed into XXXX XXXX XXXX, on XX/XX/XXXX.. We paid the {$1.00} ea. Then on XX/XX/XXXX, we were billed {$29.00} each. The frustration comes in when not one phone number allows you a live person to get a refund or cancel.And online you cant do anything automation wise without a membership number.I tried many hours daily, up to XX/XX/XXXX. to figure this out. I finally went to my bank and had my debit cards canceled and then re- issued. Which takes a few days and gets you out of the date range for a refund.I believe this is poor customer service.
Originally submitted a dispute that XXXX XXXX report my being late on a XXXX/XXXX/XXXX payment. XXXX has confirmed in writing, that they agree that I made the payment on time and reported it correctly to the credit bureaus and will not be sending any additional information to the credit bureaus ( see the notation on their letter ). I have attached a copy of Equifax 's " Credit File confirmation # XXXX showing the " Date of first delinquency as XXXX/XXXX/XXXX '' as well the " Date Major First Delinquency Reported as XXXX/XXXX/XXXX ''. I called Equifax on XXXX/XXXX/XXXX and they stated to me that they will NOT change this negative information because they only report what the tradelines report to them. So I am supplying you with the letter from XXXX XXXX where I have noted that they agree I made the XXXX payment on time, as well as the derogatory information listed on my credit file at Equifax. Can you please assist me to get this negative information removed from my Equifax credit file? Thank you, XXXX XXXX.
I am currently due for my XXXX XXXX payment on my vehicle. I have been receiving numerous phone calls after the seven day grace period. Yesterday I received XXXX calls back to back at XXXX, XXXX, XXXX and XXXX. I had missed those calls and they kept calling back. That is harassment! I worked collections and there are rules against constant calling and hanging up and calling back again and again!
Their is a Superior Court Order to REMOVE the XXXX XXXX XXXX XXXX XXXX, When I called I got the run around, transfer after transfer to a Supervisor " XXXX '' well we just have to keep it disputing this its only been since XX/XX/2013! It was a joint account they REMOVE off my spouse and not my report ( XXXX XXXX, XXXX ). Legally each bureau received the Voluntary Withdrawal from XXXX what more do you need.
Professional Collection Consultants sent my employer via US mail a fake wage garnishment letter. The letter stated false court report numbers. I contacted my local court and there was no evidence of the report number given by XXXX XXXX law offices on file. There were no stamps on the letter stating that judgement was filed. I do not have any debt. I have no collections. I have never heard of XXXX until writ was given to my employer. Never once had XXXX tried to collect money from me. I have no knowledge of this company or any debt that they claim I owe. I have nor never have I had a judgement against me. I do not appreciate these illegal and harassing tactics to collect a debt I do not nor have ever owed.
I was offered a promotional balance for a certain amount of time. After paying one day late and receiving a charge of more than {$400.00} balance promotion stopped and I was not advised properly. This unfair marketing practices made me incur again in another unexpected {$200.00} charge.
In  XXXX     2016, we were having trouble making payments on our loan from Specialized Loan Servicing as  the payment went up by a {$1000.00}. Our monthly payment went up from  XXXX  to  XXXX . We requested a loan modification and were finally approved in  XXXX     2016  after months of being given the runaround. Once we were approved for a loan modification we did 3 months of trial payments for about  XXXX . Once we got the official agreement, the payment went to {$2700.00}. Basically, we are back at where we started and ca n't afford that payment. Their customer service tends to be rude.  XXXX   XXXX  sold our loan to SLS and ever since then we have had a lot of problems. I feel like they tricked us and gave us temporary relief with the trial payments we could afford and then when it was time to make if official the payment went way up again. How does this even make sense. We are very frustrated with the process and not sure what approach to take next.
I am one of the victims of XXXX/Navient. I made the mistake of consolidating my loans XX/XX/XXXX! I originally borrowed XXXX. It is XX/XX/XXXX and I am still paying the XXXX payment every month. I am a XXXX and work in a district in need and have requested forgiveness twice. I 've paid triple what I borrowed and still have miles to go. Please help me.