WillisBack/dataset-financial-user-claim huggingface dataset:
I was a student at University of XXXX and received a loan in XXXX when I completed my education and it came time to pay I deferred my loans because I was having difficulty but citibank would not defer so the account ended up being charged off. I tried to call and make arrangments because on my credit report they say I am charged off but they are still charging a past due fee of about XXXX every month on my account. The representative on the phone says the company does not accept payments anymore but the account is still theres and they can charge because I havent made any payments to them, and they havent for a long time they contract out and gave me the number to a collection agency. Now I went on the website and you can make payments but it says I dont have any active or full disbursed loans, so how am I still getting charged for an inactive account that they will not accept any payment for?
I am the co-borrower on a student loan. The borrower has made all his payments ( a few late, but made. ) I have ask and the borrower has ask to release me from the loan and we 're told it ca n't be done. This loan was taken out in XX/XX/2005 the borrower has paid over {$22000.00} on it ( of course all toward interest because the original loan was {$32000.00} and the balance now is over {$36000.00} ) We are asking to release me the co-borrower, the borrower will continue to make his payments as usual.
Below are dates of credit inquiries that I wish to have removed from my credit report TransUnion. I attempted to contact customer service at the credit bureau and their customer service would not help and take care of these negative inquiries reporting to my credit report.      XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX     XXXX    Inquiry   XXXX   XXXX ,  XXXX   XXXX    Inquiry    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX   Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX     XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX   XXXX   Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry  XXXX   XXXX ,  XXXX
1 ) For a debt, I paid a healthcare loan provider ( a bank ) remaining total balance ( {$2900.00} ) on XX/XX/XXXX. 2 ) I had second thoughts, sent email about wanting to withdraw payment and change it to {$2000.00}, and asked how to proceed. I was not contacted about this but noticed payment was processed according to my bank statement showing it was debited. 3 ) I decided to accept this and move on. 4 ) But then noticed I got billed as if payment was not made. 5 ) I called creditor who stated payment was not made and I questioned how that could be when my bank shows it was and I emailed transaction number. I advised that I don't want the money back, to keep total balance payment. 6 ) Creditor then stated that a check was mailed to me and I stated I did not receive it and asked why they would send it twice, via bank and mailing. 7 ) Bank statements were requested to prove that I made this payment and I asked why they claim they send the money back if they said it was not received in the first place. 8 ) After faxing, I called for status update and was told my payment will be returned. I again stated I don't want the money back, just want to end this and close the account. 9 ) They sent me a  check for {$2700.00} dated XX/XX/XXXX and they continue billing and charging me interest stating that I now I owe {$600.00} when I had paid in full on XX/XX/XXXX. During all this back and forth, bank continues billing and charging interest in spite of total balance being paid and debited from my bank and it appears this will continue to add up. 10 ) It seems to me that I'm being swindled. When I addressed their contradictory information, I would not get a straight answer ; they were evasive. When I asked for a name to fax information, they would not provide it. All the above should be reflected in phone conversation records they should provide for all calls I have on my records. An investigation is warranted.
I have had issues with Navient. I applied for a loan back in 2007 and XXXX school when I was a XXXX that left me XXXX. I have been trying to repay my loans but due to the XXXX it has been hard to maintain employment. Because of this I have a limited income that is barely enough to even live on with none left over for anything else. The have continually pushed for deferment which only makes it cost even more in the end keeping me in the loop for an even longer time than usual. I have also asked that they remove the co-signer from the account be cause it is unfair to them to have their credit effected due to me being XXXX. I have also learned that Navient is under investigation for doing these very things to XXXX patrons of Navient.
I ca n't get my credit report on this site. 
I also noticed on a other site on authorized user account I 'm being held responsible for the debt which is not mine
This company offic es of FMR, calling me  from different  XXXX  numbers, talked to representative and it 's not even a debt I owe. Calling other family and friends numbers and leaving messages about trying to contact me. I do n't owe any company and I have blocked several numbers and it has yet to stop. I do n't need to be harassed.
I was denied a car loan on the basis of a credit score from XXXX XXXX. My XXXX score is in the XXXX 's. Not perfect, I am aware. However my XXXX score was XXXX. Their reasons were the age of my credit, and the balances, basically saying my credit was n't new enough. Considering I have n't heard of this credit reporting agency until after my loan was denied it seems highly unlikely that the problem is on my end. The 3 major bureaus I know of XXXX, XXXX and XXXX have my credit score somewhere in the mid to low XXXX 's. The whole purpose of me trying to get a car loan was to improve my credit score in order to qualify for an FHA loan. With this score way down in the XXXX 's it appears I 'll never have the opportunity to become a home owner.
The former owner of the telephone number has debt. I have tried to tell the creditor, they have the wrong number. They keep calling. I have filed a complaint with the attorney general. I have asked to speak to a supervisor and it goes to voicemail.
Data Check of America has contacted me about a bad check I wrote to XXXX XXXX. I asked for something in writing to be mailed. Never got anything in the mail. They asked me to view a check on the website I did looked like a check I wrote. This is a check from 2001 and I no longer bank with that company. I pay my bills and if they would simply mail me notice I will work some type of settlement if I in fact owe it. Then I get a call from the " attorney '' XXXX XXXX XXXX from GA but I ca n't find anything on them. I spoke to a XXXX XXXX XXXX told her also to mail me something and she told me that was a stall tactic and she would not fall for my SCAM???? She said they were going to take to to court and starting yelling because I told her to simply mail me something over and over she continued to act unprofessional so I hung up. I looked on the XXXX under datacheck of america and the address this number listed above falls under them. I also tried to look up the law office referenced and could not find anything. I just wanted something in writing I will never pay something over the phone. She had my SS # address and name. There is nothing on my credit report I have checked. Please help me.
I have a store credit account with XXXX XXXX, that is serviced by Comenity bank. My bill for this account is due on the XXXX of each month. I receive all statements and notices for my account electronically. Within the XX/XX/XXXX billing statement, a brief synopsis of the account term updates was listed. On the third and fourth page of the billing statement, it states verbatim : " Reminder : To avoid interest on the Regular Revolving Credit Plan, pay your entire balance by the Payment Due Date each month. '' For the billing statement generated in XX/XX/XXXX and due on XX/XX/XXXX, I paid the entire balance due on the account on XX/XX/XXXX. In addition, the information of the updated terms and agreements was not provided to clarify specific terms and definitions. Thus, the company is woefully trying to leave the customer in the dark and not specify how interest will be accessed with a regular revolving credit plan, the definitions of a grace period, and furthermore upon my call placed on X/X/17, when I asked for an updated copy of the terms and agreement I was instructed that a new/updated copy is only reserved for new cardholders. Thus, an existing cardholder, upon request, would only receive an outdated copy. As a consumer, I find this act deplorable that a credit company would mislead and not inform their entire consumer base. Due to their negligence, I am asking for a refund of the interest charges accessed to me, as taken in the information that was made available to me during my XX/XX/XXXX statement about the changes I was notified that by paying the balance in full that no interest would be accessed to the account. My last attempt to resolve this issue with Comenity Bank was on XXXX XXXX, 2017 at XXXX XXXX, they are stating that they will not remove the charge, nor provide me a complete an updated copy of the terms. As a result, I am submitting my complaint with CFPB to review their practices.
I do not know what this about and what it is for? I have no idea and I would like it removed from my credit. Thank you. XXXX
I wrote to Experian informing them that a Tax lien that they are showing on my credit report in the amount of {$18000.00} was an error and that it should not be showing on my credit report. They ignored my request. I wrote them more than XXXX. I went to apply for employment with XXXX and received a letter stating that Experian recently issued, for employment purposes, a consumer credit report about me to XXXX/Employment. It states the credit report contained the following public record information : Court/Plaintiff : XXXX XXXX XXXX XXXX Tax Lien XX/XX/XXXX in the amount of {$18000.00}. Attached you will see the Release of the Federal Tax Lien dated XX/XX/XXXX showing I did n't owe the Tax Lien Received from the Department of the Treasury Internal Revenue Service showing that the amount owed is None. ( See attached documentation ). I wrote to Experian prior to applying for employment and informed them that this was an error and they flat out ignored my request and documentation. I 'm including the documentation via fax to the XXXX XXXX XXXX XXXX which is the number giving by your chat representative.
I am no longer wanting to dispute the account and the collection agency is refusing to remove the comment from my credit report
I attended XXXX XXXX and XXXX college for some time and never got my degree. Now I have over XXXX in loans and ca n't pay it back, I do n't earn enough to pay for all my bills. The loan has affected my credit score and I ca n't apply for anything that involves credit. I felt like this schools were a fraud and now because of it I lost time and money.
Harassment, unnecessary calling, threats of foreclosure, rude phone conversations, all regarding mortgage payment or late payments.
I received a phone call from XXXX in XXXX saying that they have been trying to contact me regarding a collection account with Unifund CCR. The man on the phone said I have been ignoring their calls and not responding to their letter and that they will be forced to take legal action. I asked the man if he could verify what address they have on file, he responded by asking for my FULL social security number. I refused to give him the full number and asked if he could just tell me what the issue was, he said not until you give me your social. I then informed the man that this is the first time I received a call from this number and if he could send a certified letter to my address to ensure that I receive it. I also asked to receive verification of the debt owed and still have not received anything to date. Recently I have received a handful of letters from consumer relief attorneys saying I am being sued and offering their help. According to the letters the lawsuit against me was filed on XXXX/XXXX/17 but I have yet to be served a copy of anything. I really think this is an outdated or zombie debt because this account is not even on my credit report!
Transunion continues to report inaccurate information on my credit file and denies me access to Transunion as the law requires. They have placed me in their " priority '' department which has no XXXX number so everytime i call, no one in Transunion has access to my credit file because it is handled by a " special department '' which has no number and when they transfer me it goes straight to a voicemail that never gets returned. I have sent Transunion a dispute via certified mail, via fax and via regular mail. I have waited more than the 30 days allowed by FCRA. They simply respond that the account is verified and do not do anything with my dispute. I 've even contacted some of the original creditors and they have confirmed no contact has been made with them. Most recently i filed a dispute with the BBB where i had sent supporting documentation to which Transunion simply read the first sentence of the dispute and responded that my documentation is not sufficient. To be specific i have a letter from XXXX stating that they have instructed Transunion to remove unathorized hard inquiries from my credit report yet Transunion refuses to do so because they state that XXXX has not been specific enough. They simply drag out the process to make sure that they can keep reporting negative inaccurate information because of course that is how they make their money. I have been trying to get inaccurate information removed for almost a year and have not gotten anywhere with this credit bureau.
i saw a deposit in my mobile account that I didn't make and informed the bank of fraud the bank told me they would fix it and now i'm being charged for the fake check that was deposited, my account number was XXXX my name is XXXX XXXX XXXX address XXXX XXXX XXXX XXXX new york XXXX. the amount i'm being charged is XXXX.
Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX/XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
After being unable to pay my student loans navient only suggested forebaring and deferring payments. They never offered income based repayment. My loans went into default and only learned about income based payments through a loan rehab company.
This account was attached to an old property address of XXXX XXXX XXXX, XXXX, DE XXXX. This property went into foreclosure in the year ofXX/XX/XXXX and  XXXX owned this loan. At the time of the foreclosure, my ex-husband, was responsible for this account which then was owned by XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged inXX/XX/XXXX. Since I was the co-signer on this account, it is showing still active on my credit report. I have spoken with the previous representatives of the owners of this account which led to them agreeing to remove this account from the delinquent status and list it as a " charge-off ''. I requested for a letter to be sent to me to verity when this was complete, but to no avail.
I am writing to dispute U.S Auto Finance Account Number : XXXX on credit report number from XXXX, and XXXX, XXXX. The validity of the debt has not been proving/ and unverified. This vehicle was sold in an auction the balance listed on my credit report is incorrect. Please delete the account as they are in violation of my consumer rights under FDCPA..
The two XXXX accounts listed below I was blocked from accessing the accounts or paying them. I had no way of bring them to positive status. 

XXXX XXXX {$1600.00} Other Negative XX/XX/2017 XXXX XXXX {$2700.00} {$1000.00} 274 % Revolving Paid XX/XX/2017 XX/XX/2017
I have talked to American Express customer service six times and their Credit Bureau Agency three times and they still have not removed the late payment status affecting my credit score. I have been in a relationship with American Express for eight years ( longer than any boyfriend I 've had! ) I was assured by XXXX in Customer Service three times over the phone that this late payment would be removed from my account. I had set up an auto pay and there must have been a computer glitch because the payment did not go through. This is XXXX payment over eight years, people! It was quickly rectified and my account has been in excellent standing ever since. 

When the late payment status was not removed, I called customer service again, and asked them to review the phone call with XXXX because they said they would n't remove the late payment. They said they would do so and I would get a phone call from a manager within XXXX to ten days. I never got a call from a manager. I called again and informed them of this and they said lackadaisically that they would listen to the recording " when they got around to it. '' It has been over four months that I 've been trying to get this resolved. 

When I talked to XXXX, he even three way called with their Credit Bureau Agency, so we were all on the same page. Please ask American Express to review this because they told me they would and they have not done so. I expected greater customer service from a prestigious company such as American Express.
these animals keep calling me from this company Atlantic Credit & Finance , Inc . 
XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX phone i woe nothing to nobody and they are annoying me and i am also on do not call list, so please please stop these animals
Atlantic Recovery Solutions called me on my cell phone at XXXX XXXX on XX/XX/18. They left me a vague message saying they were following up on a previous conversation we had. Literally 11 minutes later, they called me on my employer 's phone line from a different number and I answered. The employee, XXXX at first refused to say where she was calling from. She kept yelling at me " Did you get my email, did you get my email? '' and wouldn't let me speak. I then told her they do not have permission to call me at my place of employment. She then yelled at me " I can call you wherever and whenever I want ''. 

Her comments feel like stalking behaviors and I am concerned that my request to not be called at my place of empoyment will not be honored. Also disturbing- the email that she said was from her was sent by someone named " XXXX XXXX, not her. I don't know if a " XXXX '' even exists. I am asking that Atlantic Recovery Solutions cease and desist all contact.
Equifax has been sent a letter of dispute and was given 30 Days to respond to the first Dispute. 30 Days after not responding they were given 15 Days to Remove the account that they never responded to or disputed. It has now been almost 60 Days and still no response from Equifax in regards to my dispute. Please see attached the return receipt request as well as the documents that were mailed each time for your review.
My taxes has been taking out for the last the 5 years as a result they stated that all funds where being paid to the department of education which it is still showing negatively on my credit report and it should be removed.
I paid my student loans to XXXX in full, then closed my account. My spouse, who passed away, also had student loans with XXXX. After she died, XXXX tacked her charges to my account -- -even though my account was closed. 
I submitted a complaint with the XXXX about it. XXXX XXXX, XXXX '' & lt ; XXXXXXXXXXXX & gt ; contacted me as my advocate at XXXX. 
He told me that the charge had been incorrectly added to my account. Moreover, he told me that the balance would be removed, and the credit bureaus notified. It 's been over month and a half since he gave me this update, and XXXX has not updated the bureaus. 
XXXX XXXX also has not returned my follow-up email or my call after I inquired about the lack of change. Please help me.
GM financial and XXXX XXXX XXXX. 

GM account number : XXXX Complaint : I had received no notification, by mail, phone, or email. GM did not even have my phone number which is unchanged going back to 1997 or email, but sent a employee of their contract with XXXX XXXX XXXX to reposes my vehicle over a very small amount. I paid the entire amount in full of {$3000.00} the very moment I found about this mess. 
Concern : The employee from XXXX XXXX XXXX frienghted my family, with us calling the XXXX county police on him- which they concurred his behavior set him up for potential criminal liability over harassment charges. I do have him on video. 

My concern is over the entire way this has been handled. The individual from the car retrieval company is fortuantate I did not pursue charges.
Southwest Recovery Services ( https : //swrecovery.com/ ) has been repeatedly calling me about giving them a credit card number for a debt that has already been settled in full with XXXX. I moved my service and long story short - XXXX created a separate account and started billing me on the new account but a small amount ( {$100.00} ) was outstanding on the original account. When they made me aware of it, I paid it immediately. ( I HAVE NEVER BEEN LATE ON ANY PAYMENTS MY WHOLE LIFE - EVER! ). 
SW credit has been sent both documentation and told several times on the phone about the settlement of this debt. I have also gotten a SW credit rep on the phone with time warner to explain that the debt is settled in full. However, they continue to harass me and have a collection on my credit report for this. PLEASE HELP.
Global receiveable solutions has reported a item on my credit reports that I have already spoken to them and advised that i was disputing the charges with the insurance company as it should have been covered by the insurance company. After telling them to stop calling me they repeatedly continued to call me. I would get three to four phone calls in a row with no voice. Prior to them calling i was NEVER advised that this account was sent to a collection company until i brought it to there attention that i never got a statement in the mail. I have gotten one statement letting me know that this account was in collection, and have not received Anything from them. In addition to that they are calling me from multiple phone numbers that are not addressed as a collection company but as a local phone number with an area code of XXXX. I have already told them multiple times to cease and desist and they continue to call me.