WillisBack/dataset-financial-user-claim huggingface dataset:
I have both Direct and Private loans since I started college back in XXXX when the company was just Sallie Mae. In XXXX when Sallie Mae split into XXXX companies ( Sallie Mae and XXXX ) I was never informed whether that be through email or phone call that my loans will be owed through XXXX separate companies. Due to this fact, I missed payments through XXXX for up to two months. When I was finished college in XXXX, I called Sallie Mae to see what sort of repayment program I could be placed into to help me because at the time I only had a part time job making just over minimum wage. I was placed in the Graduated Repayment Program with an 11.5 % and 8.5 % interest rate and an amount totaling almost {$500.00} plus another {$150.00} for XXXX. I have asked numerous times if there is a program for me to go into that is based on my income and I was flat out told no. My father co-signed my loans and on of of my phone calls when I begged for a better repayment program I was told that my father needs to help me out and I quote " If he loves you enough he will help you for your loans. '' I was completely appalled at this statement from one of the Sallie Mae representatives. Never would I think that it would be ok to tell someone that. I am extremely frustrated, I am behind payments which is ruining my credit and I keep incurring late fees. I 'm not looking for them to forgive my loans, I simply want a more manageable repayment program where I do not spend my entire months paycheck to help pay off my loans.
I have an ongoing issue with Ocwen Loan Servicing, they allowed a mortgage to be obtained in my name by forgery, they have agreed that this happened, they have released me from the loan and debt, yet it is still showing on my credit reports as an open account. This is preventing me from obtaining a mortgage for myself
I received a letter dated XXXX/XXXX/16 from HomeBridge Financial Services ( actually received the physical letter via mail on XX/XX/XXXX ) stating my loan was sold AGAIN ( this is the 3rd time my loan has been sold in less than 12 months ) to XXXX XXXX XXXX effective XXXX/XXXX/16. However, I have auto setup for my payments at HomeBridge that has been transferred on XXXX/XXXX/16. When I attempted today ( XXXX/XXXX/16 ) to call XXXX XXXX, to explain that I have n't received a loan package yet and the payment had already been made to HomeBridge, I was unable to physically talk to anyone without a Loan # but did hear a recording that " if I was calling regarding loan transfer - it would n't be completed until XXXX/XXXX/16 ). I then tried to call HomeBridge and every time I entered my Loan # and last XXXX digits of SSN the call was disconnected. Therefore, I was unable to speak with anyone there either.
I recently asked EQUIFAX to correct the credit line amount reporting on my XXXX XXXX account from {$2200.00} to {$2400.00}. Instead, they just deleted this open account. In addition, they have refused to delete " hard '' inquiries from XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that were to have been done as " soft '' or " account review '' inquiries. They continue to refer me back to XXXX XXXX for deletion who in turn refers me to EQUIFAX for deletion in a never ending cycle which results in NOTHING getting resolved!
XXXX has reported to my credit reports a bill owed to them, but was never billed to me. They subsequently sold the loan to XXXX. Apparently, this loan was sold to them by XXXX, a XXXX 
I was never notified of any of this. The original contract I signed was with XXXX a loan servicing company for XXXX. This is who I thought I was dealing with. XXXX 's name is on the loan product contract. 
I was never notified of a transfer of billing or any correspondence. I did not know anything about this product being on my account until XX/XX/XXXX when I wanted to refinance and saw a collection from XXXX. I followed up with them and found out the changed their name to XXXX. I repeatedly asked for documentation. I finally received something from XXXX in XX/XX/XXXX. 
I agreed on a settlement with XXXX and they agreed to report to the credit agency that the bill had been paid in full with a XXXX balance owed. The represented that they would not put any derogatory statements on the account. Please see attachement. On my credit report they added that " account paid in full for less than full balance '' This is not what the letter written to me states or what the representative at XXXX agreed to. 
Since XXXX and XXXX are the same company with a different name or they sold without ever trying to correspond with me about payment. The XXXX information should be removed from my credit report all together and XXXX should honor what they told me about no derogatory statements. 

Additional derogatory information is stated below that should be removed from EXPERIAN CREDIT REPORTING BUREAU
XXXX XXXX has the same account reporting twice on my credit report they both have a credit limit of {$180000.00} with a open date of XXXX 2008. I have contacted all XXXX credit Bureaus asking that they please remove these duplicate accounts but they keep responding verified. How is it possible for me to have XXXX accounts opened on the same date for the same amount? I want these duplicate accounts removed from my credit reports please.
I never had a bill with this company and was not aware of this debt, this debt keeps on reappearing on my credit report and I was never notified by mail or phone or email correspondence.
I have XXXX closed/paid accounts with XXXX XXXX. I recently learned through the process of trying to get prepared to purchase a home how any late payments affects your credit score. In XXXX 2016, I disputed XXXX inaccurate 30day late payments with XXXX and Transunion account # XXXX. It came back verified. I contacted XXXX XXXX several times trying to get documentation to support the late payments. They continue to say they will mail and/or fax proof of late payments but I continue to receive nothing from them. I even wrote a letter asking for forgiveness courtesy. Denied. I recently learned that being under 30 days late is not the same as being 30 days late. Transunion stated the same as XXXX that they can only report what is sent accurate or not and that they do not request for the company to show proof of the late payments they just report only.
My husband and I took a XXXX mortgage loan with US Bank back in 2006. This loan was for {$25000.00}. We have made monthly payments since then of {$250.00} per month. We have not missed one single payment. We have paid 120 payments since then, never late. The total amount we have paid so far is {$30000.00}. Our principal balance on the loan has only decreased {$1600.00}. That means US Bank has pocketed {$28000.00} and we still owe them an additional {$23000.00} plus interest. The interest rate of this loan has always been 11.7 percent and they tell me they are unable to offer me any lower interest on this loan. Also, this loan was set up as a balloon loan where I will need to come up with the balloon payment soon. 
I have attempted in several occasions to work this out with US Bank with no resolution from them. As a result I filed a complaint with the Minnesota Attorney general 's Office. They have suggested me to file a complaint with you and the OCC. Any assistance you can lend would be greatly appreciated.
I AM BEING CHARGED FOR A PHONE BILL I DID NOT OPEN. 
I AM ALSO BEING HARRASED ABOUT NOT PAYING MY CAR NOTE ON TIME WHICH IS ALSO UNTRUE I HAVE CONTACTED THE COMPANIES ON SEVERAL OCCAISIONS BUT TO NOTHING HAS BEEN RESOLVED.
A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with XXXX, Equifax and XXXX credit bureaus. Over the last week XX/XX/XXXX-XX/XX/XXXX it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( XXXX, Equifax or XXXX  ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved
Several debtors trying to collect debts for claimed XXXX related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX years however the debtor is also reflecting the account/charges were just recently opened XXXX months ago?
ON ACCOUNT WITH CAPITAL ONE BANK USA NA WAS AGREED THAT IF PAID IN FULL SETTLEMENT AMOUNT THAT THE ACCOUNT WILL BE DELETED FROM MY CREDIT REPORT THE SECOND ACCOUNT WAS DELETED AS PROMISE BUT THE OTHER WITH XXXX INSIDE OF ACCOUNT NUMBER CONTINUE TO REMAIN ON MY REPORT AS A NEGATIVE ITEM WHEN ACCOUNT HAS BEEN SETTLE EVERYTIME I TRY WITH THE CREDIT BUREAS THEY JUST SAY THE ACCOUNT HAS BEEN CLOSED BUT I NEED IT DELETED DUE TO IT CONTINUE TO NOT ALLOW ME TO HAVE POSITIVE CREDIT HISTORY. PLEASE DELETE FROM ALL CREDIT PROFILES.
I am disputing an account on my Experian credit report that is inaccurately reporting. The inaccurate account is XXXX and today, XXXX/XXXX/XXXX, I received an alert that a new collection was added to my credit report. I have been disputing this account for about two years so this is not a new collection. I want this error corrected immediately! It seems as if this collection was just added to my report today when it has been reporting for about two years. This has caused my score to drop. Despite this inaccurate information reporting I have continued to build good credit and increase my score. I should not be losing points due to an account reporting inaccurately. Furthermore, I have no business with this company and this account should be deleted altogether. Experian continues to say this account is verified, however they refuse to provide information on how this account was verified as accurate. Experian said in their own words that information was supplied from the creditor and I quote " Experian supplies this information upon request to qualified users of this information. '' I have requested method of verification numerous times to no avail. Experian always gives me some bogus, generic response that does n't make any sense and does n't have anything with what I requested. Per FCRA Section 611 I have a right to request method of verification and if not I do not receive a response within 15 days this information must be removed from my credit report. Well if you count all the times I have requested method of verification this should have been removed from my credit report. I was a victim of identity theft around the same time this account reported hence why there is a fraud alert on all of my reports with all three bureaus. With this data breech and XXXX knows what else is going on, I would think this company would take my disputes more seriously and be cautious of the information reporting in my file. I know mistakes happen but it should not be at my expense. Please remove this inaccurate information from my report and send me an updated copy of my credit report once this has been completed. Thank you.
I received my credit report in XX/XX/XXXX, I noticed a old debt from Chase Card for the balance of {$1400.00} dating back to XXXX. I contacted the company via postal mail in XX/XX/XXXX, stating I do not feel that I owe this debt. After 3 months, I received a letter simply stating my debt was accurate. No further explanation was given. In XXXX, I sent the company another letter stating I required proof to accept the debt as mine. The company then sent several of the same blank forms for me to fill out information, including social security number, updated address, phone number and signature. I did not feel comfortable giving this information to a company that is reporting an 13 year old debt on my current credit report and has repeatedly ignored my request for proof of accurate debt owed. This mistake is unethical and hindering me and my finances.
Received a letter, sent XXXX/XXXX/XXXX, attempting to collect a debt for {$2500.00} with the original creditor XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX and they have no record of me ever owing that amount or sending me to collections.
I rec 'd a declination letter from XXXX re. my request for an increase in my credit limit per the card I have with them. In that my payment history with them was pristine and that XXXX suggested that, if I wanted, I could get, from the reporting agency itself, a copy of the credit report and score that they drew upon to make the determination in rejecting my request, I then called that agency, ( Transunion ) and was given the 'opportunity ' to leave a voicemail and decided instead to go to the online website for the reporting company that XXXX had also included in the contact info for such agency. 
When I did, I saw various 'offers ' that were apparent attempts to misdirect me from getting my report and score for free.. I did not fall for those 'offers ' and instead navigated successfully to eventually get the credit report, but when I did, I saw that it was to be presented in XXXX parts, part XXXX being the report and part XXXX, the score, ( as the XXXX parts were shown as buttons prominently placed near the top of the page. After reviewing the report, ( with lots of errors evident in it of course ), I then clicked on the '' SCORE '' button and instead of being directed to my score, I was sent to a page that was a cleverly designed but nonetheless, obviously misdirective page that gave a couple of choices to actually get my credit score, but ... neither choice included getting the score for free. I struggled to make the site function in a manner to accord with the Fair Credit Reporting Act dictate per the providing, in my circumstance, a free score, but could not accomplish such. It is pretty clear to me that the site was designed to thwart attempts to gain a free copy of the scoreand frankly it is also pretty clear that this is a violation of the aforeref 'd to act. 
BTW : Not to sound defensive here, if anyone were to presume that I simply do n't know how to use the transunion site, I not only know how to navigate websites effectively/I am 'computer ' literate, I am the former XXXX for a search engine and the former XXXX of a XXXX XXXX company. The Transunion site I visited today was intentionally engineered to rip people, to deny people that under current law should be able to gain a free copy of their credit score. I copied the report page and the iterations of the page that XXXX gets when they click on the score button. Know also that I left a detailed message along with my phone number with your agency 's " XXXX '' group. 
The 'Attach documents ' feature below does not work for me, ( I tried several times in several ways, it does not work ), so though I am ready and willing to provide documentation to support my representations herein, I am hampered from doing so via the method given below. Therefore if I could be given an alternate approach for sending such documentation I would appreciate it. Otherwise, to the extent that it might actually be looked at and responded to, this missive will end up being nothing more than XXXX in the wind.
My husband and I had a dental visit at  XXXX   XXXX  on  XXXX   XXXX ,  2017 and o ur bill was {$230.00}. We wrote a check ( #  XXXX  ) for the amount ; they did automatic debt and the check was cleared. In fact the check was process because it was on my bank statement for  XXXX   XXXX  , 2017. To veri fy all transaction was managed well. I visited my bank and information was confirmed.   I then visited  XXXX   XXXX  with all of my documents and they indicated to me that the check was processed and there is no problem. Yet, the company listed below has been call and sending let ters (  harassing me to pay the bill again. They have even threaten that they will send it a collection agency.   Global Payments Check Services , Inc .    XXXX   XXXX   XXXX   XXXX , Il  XXXX   XXXX   XXXX  was not familiar with this company, when I visited their offices. I am not sure their relationship with  XXXX   XXXX . What I am sure is that the bill has been paid in full. I have said this to  XXXX  Payment ; fax them information and the threats continues. I need help with this situation.    XXXX    XXXX    XXXX
I currently have a personal loan through OneMain Financial. I have never missed a payment for the life of the loan. I usually mail my payments in, so typically the postmarked date is used. Also, on their payment form, there is a payment due and a payment due 10 days or after date. However, their office in XXXX, IN where I originated the loan constantly calls me the day it is due and every day after. 

I contacted their corporate office and explained what was going on, and XXXX at the XXXX office contacted me and let me know that they would give me a 10-day window before calling. 

Within the last 3 months, XXXX at the same office has started calling the day it is due and so on. On XX/XX/XXXX I received a phone call, a page, and an email all within 5 minutes. 

NONE of my other creditors or utility companies use these practices, so I can not believe that these actions are legal. These practices are predatory at best.
US Bank completed and submitted an online application for a VISA Platinum personal credit card that was processed and sent to me without my authorization or knowledge on XX/XX/2016. I was notified through a telephone from XXXX voice mail on XX/XX/2016. I received the credit card on XX/XX/2016. This is a red flag as it is the same fraudulent business practices similar to the XXXX XXXX XXXX scandal.
XX/XX/XXXX - Shellpoint mortgage was paid off due to a refinance. 
In XX/XX/XXXX, I decided to sell the subject property and received title. On title it still showed a lien with Shellpoint. I contacted them immediately and asked for a release of lien. I have e-mailed with XXXX XXXX several times and Shellpoint is refusing to send me the release of lien and is refusing to send it to the XXXX XXXX XXXX. My closing is scheduled for XX/XX/XXXX and the negligence by Shellpoint is going to end up costing me the sale of my house.
I am a identify theft victim and all my credit reports have a identify theft alert on them. My credit file also had an opt-out for promotional inquiries. This is evident from 2 of my other credit reports XXXX & XXXX. 

I recently requested for my credit report from all 3 agencies. I received my TransUnion report added XX/XX/2017 and was alarmed that they they opted me in for promotional inquiries without my consent. 

Yesterday XX/XX/2017, I called TransUnion to opt-out of promotional inquiries because i had opted-out earlier when implementing my fraud alert and was surprised by this violation. Over the 2 years I have been harassed by credit ( e.g., XXXX ) and other insurance offers but I had no idea why. 

When I called, they redirected my calls from one dep. to the other, transferring me to their Fraud Alert Dept. XXXX, assigning new File # XXXX, escalating to supervisors and giving me a run around just so I may not be able to opt-out of promotional inquiries. Instead of identifying me accurately and making an update they harassed me so that they can make money by selling my data against my will. 

As a result of their violation, them have sold my data and personal details, address info which makes me a target of credit offers and identify theft. Promotional inquiring companies may have created 3-party databases and selling my data on the free market without my consent. This is major risk to my credit file and data contained therein. 

The request was simple -- I needed to opt-out of Promotional Inquiries. But they went through extraordinary measures to prevent a fraudulent update of just of my opt-out request. I was n't impersonating anyone or asking for new credit. TransUnion was very opposed to my update and fought me and harassed me so that they can continue to sell my credit data. 

Their motive was simple. They make money on promotional inquiries even though these soft requests do not affect my credit score. But that is no reason to violate my privacy and my credit file without my consent. 

I left a message yesterday and they did not call back. Only around XXXX on XXXX XXXX did I get a call and a voicemail. Once again asking me to call them back.
In XX/XX/XXXX I went back to school to get my XXXX degree from the University XXXX. I took out {$35000.00} in astudent loan from XXXX XXXX and {$5000.00} as a Stafford loan. I started paying the loan back in XX/XX/XXXX after I graduated. Over the last 16 years I have never missed a payment - made at least the required payment each month - Often more that the required payment. For the first 8-10 years the payments went to XXXX XXXX then the loan was transferred to XXXX and three years ago it was transferred to Navient. After 16 years of paying an average of $ XXXX/month on a loan at 8.25 % I have paid over {$67000.00} and yet the statement I just received says I still owe over {$21000.00} on the personal loan and {$3300.00} on the Stafford. I do not see how this is possible.
I have XXXX accounts for XXXX XXXX Support in Arizona. There are balances on these accounts, but I have paid on-time payments every month. TransUnion & XXXX have changed from showing these accounts as " Current : Paid or Paying as Agreed '' to " Account 120 days Past Due Date ''. XXXX still shows all XXXX accounts as current. I have contacted the creditor who told me that I am current on all XXXX accounts. They also said that they are receiving many inquiries from other consumers regarding this issue. They gave me a printout of my payment history for all XXXX accounts, which I sent to all XXXX credit bureaus. I have received dispute results saying that they changed XXXX account but not the other XXXX from TranUnion. XXXX shows XXXX as a charge off and no change to the other XXXX accounts. As far as I know, XXXX still shows these accounts as current. I have spoken with TransUnion who said that they are just reporting what the creditor has sent them. My concern is that TransUnion & XXXX are translating the data that they are receiving from the creditor incorrectly. Nonetheless my credit reports and scores from these XXXX credit bureaus have been significantly affected by incorrect reporting and they do n't seem to care.