WillisBack/dataset-financial-user-claim huggingface dataset:
I have spoken with the credit report agency directly and the person I spoke with gave conflicting information. Currently, I have opened disputed with XXXX XXXX XXXX as well as Equifax because they are certain that the account is mine but when I speak to them about the inconsistencies in the data that was provided. Both Equifax and XXXX XXXX XXXX state that they are sure the account is mine and leave it at that. 

I understand that XXXX XXXX XXXX is a business and need to recoup funds and Equifax is a credit reporting company but this is my life on the line and I will escalate it as far as I need to go in order to get this corrected. 

Case number : XXXX is the one that is opened for XXXX XXXX XXXX
I have received calls from XXXX XXXX XXXX for about the last 6 months, and each time I tell them that the debt has been charged off and I am on XXXX and can not pay anything now more than {$5.00} a month if the debt is real. That amount is just not good enough. They are consistently rude, talk over you, and threaten with comments like " I can make your life miserable '', " I guess you weren't very good at your job or you would not have this debt '', calling me " lady ''. They are unreasonable, unprofessional, and just plain Bully 's! I don't know if they are a legitimate company or scam artists. Either way the brow beating tactics they use are completely out of line. Please check into this company, I surely hope if they are scammers that no one has given them any money. Thank you for your time.
I called New York Community Bank several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to get XXXX tax form. I gave the bank stated above my account number name, ss #, address and they said they could not give me any information about my CD. I figured out it matured in XXXX of XXXX but I never received a check for CD amount. It was a large CD at least XXXX in the account. I have several CDs and never receive information in the mail regarding my account. I think the money was turned in to the government and New York Community Bank will not get to the bottom of this. They put me on hold and told me to call WI Dept. of Revenue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Citi Bank, the issuer of my XXXX credit card, put me on an automatic draft that I did not know about. I made payments not knowing which then took double payments out of my account. I was promised that the money would be put back into my checking account today XXXX/XXXX/16 and the money is not there. I have been given the run around all day about who can and can not help me with this issue and was treated quiet rudely by XXXX separate employees, including XXXX XXXX XXXX in TN.
My mortgage servicing provider ( XXXX ) is supposed to pay my Hazard ( Homeowners ) insurance from an escrow account. My XXXX ( underwritten by XXXX  ) policy was going to lapse on XX/XX/XXXX if payment was not remitted. I followed up with XXXX at the end of XX/XX/XXXX and they indicated they had not received a bill for the insurance renewal. I contacted XXXX and they faxed the renewal bill to XXXX. On XX/XX/XXXX I  paid the insurance policy in full ( {$840.00} ) to prevent a potential lapse. On the same date, XXXX paid {$680.00} to XXXX from my escrow account. 
I have requested a refund from my escrow account for the partial unpaid amount.
My American Express account was sent to collections after an address mix up. So this company sent notices to the address that I did not live at. I finally got the notices that were sent to the wrong address and sent them a letter informing them of my actual address and asking for verification of the debt. The verification never came to my actual address but instead to the address that I never actually lived at. Then about a month later I revived a notice from yet another collection agency that American Express employeed because I had not responded to the request from the previous agency all because they had the wrong address.
Equifax credit bureau is reporting " XXXX '' twice on my report, the account is the same, different dates only. 
I have notified " XXXX '' and Equifax, no response about my double listing, very frustrating.
XXXX from XXXX XXXX XXXX XXXX. He did not disclose from where he was calling, or representing. I googled the number and it comes up with many complaints and the name " Fidelis '' which is also a large XXXX in XXXX New York - This issue is for a dental bill for which he told me was {$360.00}. I told this XXXX XXXX that we have been in contact with the dental office, and our former insurance carrier about this - that it has been an ongoing issue and not one that we chose to ignore, or not pay. He is bullying, rude, condescending, and threatened me with a lawsuit even after I explained the history. I called my XXXX office, XXXX XXXX XXXX immediately afterwards, and spoke with the office manager who told me that XXXX XXXX has his figures wrong. XXXX his date, and the amount of the bill which is {$100.00}. This begs the question where the other expected {$260.00} would go had we paid this incorrect amount. Right into XXXX pocket.
I was attending XXXX University took out a private loan that was not enough so I reapplied again was told to go to class then found out I had to leave class because the loan that they said I had I did not have which led me to another school at that time it was Sallie Mae so from then on it has been nothing but a horrible confusion they messed.up my credit report and I was only six.credits short from my XXXX degree I left XXXX University and had to start another School which held.me.back a few.years.in the mean time the harassment call and the correspondence was horrible and to top it off I am in default which went on for several years until one gentleman for Sallie Mae said they could.have put.me on a forbearance. At that point I went to the State Attorney where Sallie Mae I believe is now Nivient and he said to sue them. I feel that they have ruined my life my credit and prolonged my degree for no reason. Very unprofessional unethical and I would appreciate someone correcting.that huge error on their part and being accountable for their actions.
I have a consolidated student loan that is administered through Navient. I am enrolled in auto pay, yet each month Navient charges me a late fee ( {$57.00} ) that prevents my loans from decreasing.I did, however, discover that my credit union only allows five ACH automatic withdrawals per month. I tried to change my " due date '' to the XXXX or XXXX of each month as opposed to the XXXX ( which it is currently ) .The website, however, is far from user-friendly and would n't allow me to do it. When I contacted customer service they said they could not do it on their end because I had a " pass-due payment. I tried to explain that the past due amount in question and told them I had submitted a payment manually because I could not trust auto pay ( each month they levy a late charge ). The customer service representative still suggested that I pay the past due amount. I again tried to explain that the amount in question was now a " pending payment '' that was in process as opposed to a " past-due '' amount. After a minute or so, she mentioned that she was able to see the " pending '' payment. Unfortunately, this is not the first time this has happened. Every single month it is something. And, my balance does not decrease. As a matter of fact, I owe more now than I did when I began repayment. SERIOUSLY. This time, I was ultimately advised to wait until the " pending '' payment clears then recall customer service to initiate a new " due by '' date. Please have someone contact me because I honestly believe they are purposely trying to make it hard to collect payments.
Suntrust foreclosed without written notice. 
I have enclosed the actual notice that was received 5 days after the home was foreclosed on. 
I have enclosed the time stamps on the post offices letters.
I have attempted to dispute this collection off of my credit report twice. The second time i mailed a certified letter to XXXX and they received it and signed for it XX/XX/2018. I mailed them a demand letter for verification of debt as well as a request to remove it due to me disputing it and it is not my debt with other documents. Nobody has ever responded to me. I called in on XX/XX/XXXX in regards to why i have not heard anything and why is it still on my credit. I was asked at that time would i like to start a dispute and i told them " NO. '' this has already been a process why start over. An representative decided to go against what i requested and per them ALL CALL ARE MONITORED OR RECORDED. I have also received two letters from Citi Banks executive office stating they do not have any record of debt owed by me to their company. The last letter received from Citi Bank was XX/XX/18 which is 1 of 3. On XXXX i spoke to XXXX XXXX who advised me she will request a supervisor to call me back within 48 hours, and also made me aware of the dispute being opened XX/XX/18 without my permission and as of today i have heard nothing.
Recently, PNC bank overdrafted my account on a transaction that was {$12.00} over what I had in my account. I specifically set up an alert so I could get to my bank in time to deposit money in the account ; but did not receive the alert until XXXX the next morning ; by which time, they had already charged me a {$36.00} overdraft fee. They said that I should open a savings account with them to have overdraft protection. I explained that I choose to have a savings account at a credit union, which gives me a higher interest rate. How about they change their policies and decline the transactions ( including electronic payments as well as recurring payments ) that would cause me to overdraft? 

I 've had this issue with PNC before, and think how they treat their customers is outrageous. This is the last time I 'll ever be paying them an overdraft fee. Instead, I will open a bank account somewhere else to give my hard earned money too. This is the last time PNC gets it. They consistently XXXX me off with their undermining tactics to steal money from their clients. Why should I stay with a bank that will do so?
I applied to refinance my home when I found out that CACH , LLC, has a lien against my home in my husbands name, that was filed in bankruptcy .We were discharged XXXX/XXXX/2013. this means they have been paid but wo n't take it off. The amount filed in bankruptcy was XXXX.I am not sure if you can help but maybe if you ca n't you can direct me to the right source.
This is my XXXX time contacting the CFPB with a complaint concerning Discover Student Loans. I am a week or so away from having my loan charged-off. 

Me and a co-worker/counselor have called in every month to do our due dilligence on what programs may be available through Discover to fit my budget an afford payments. Discover has offered payments of X, Y, & Z to which none are affordable. 

I received this e-mail today from the Director of Operations at Discover Student Loans ; '' Dear XXXX, If you are having difficulty making your monthly payments, we have options to help you temporarily manage your student loan. Please call us at XXXX. We have a repayment option you may be able to take advantage of over the phone. 
& XXXX XXXX to XXXX EST, Monday through Friday ; or XXXX to XXXX EST, Saturday XXXX to XXXX EST, SundayThis option will only be available to you for a short time, so please contact us as soon as possible. 
Sincerely, XXXX XXXXDirector of OperationsDiscover Student LoansPhone : XXXXXXXXThis is an attempt to collect a debt and any information obtained may be used for that purpose. " We had called in three days prior to listen to options, which ended up being the same, and when receiving this e-mail, thinking something new might be out there. 

So, naturally, we called in to check on what options thinking that my loans may have reached a status where something new could be arranged, and when we call in, we are offered the same plans that have been affordable the previous four months. 

Discover sent an e-mail with false hope that I 'd be able to re-pay my debts and arrange something to prevent further trouble, but come to find out, we wasted our time listening to the same garbage we 've been fed.
Select Portfolio Servicing refused to put " this account is being disputed '' on my credit reports with XXXX credit bureaus even after 30 days and 60 days expired. Called me at night XXXX XXXX Said would pick up money from my house and job. Caused me to lose jobs, not get car and business loan, my credit score went down.
I completed my XXXX in XX/XX/XXXX at New York University, with an outstanding loan of {$97000.00} ( approximately form what I can tell form my navient records ). As of XX/XX/XXXX, I began working for a XXXX XXXX until XX/XX/XXXX. From there I started work for yet another XXXX until today. When the PSLF program was announced, I was hopeful that after XXXX payments my loans would be forgiven. My loan service provider at the time was Sallie Mae ( now Navient ) told me I would be eligible and my previous years of non-profit work would retroactively count towards service as I had been in the Income Based repayment ( IBR ) program before. They informed me that I must submit an " Employment Certification for PSLF '' form from both XXXX which would help to retroactively count my years of public service and go towards my XXXX payments. Both XXXX complied and submitted forms to Sallie Mae ( hereby referred to as SM ) as of XX/XX/XXXX and XX/XX/XXXX respectively ( I have attached in this complaint ). SM also informed me that I would need to enter into a different consolidation program to have my loans qualify, which as of XX/XX/XXXX I thought they had helped me to enter into. It was not until XX/XX/XXXX that I received information that I was actually NOT in the PSLF program that I then spoke to DoE. I was informed that I never was entered into any program and that nothing counts retroactively. Additionally, I was informed that I had entered into the wrong consolidation program. Essentially, all payments made from XX/XX/XXXX - 'XX/XX/XXXX I was paying on interest and the loan amount continued to grow as I was in the IBR plan. I am ( I think ) now in the PSLF program ( for now ) but only since XX/XX/XXXX and have only started paying down the principal as of XX/XX/XXXX. I filed a complaint with my senator 's office in Rhode Island in XX/XX/XXXX, who conducted an investigation and found that while I may be upset with Navient for providing inaccurate & false info, the fact is, I should have filed with DoE, which I was not informed of by Navient and was told that I was following the appropriate course of action. I have dedicated my career and education to economic development in the developing world and thus have worked only for XXXX XXXX XXXX that do indeed comply with the criteria set forth by the PSLF program, but have been given years of misinformation by my loan providers which have likely cost me thousands in additional payments.
The information that is being displayed on Equifax credit bureaus report for my information is wrong and invalid. The other two bureaus have removed false information about my credit file. I have sent countless letters to Equifax and they will not remove the inaccurate items. I have been a victim of Identity theft. My information has also been taken from there own data breach which they have clarified themselves. If you could please assist in helping me remove the inaccurate item from my profile that would be great. 
XXXX XXXX- {$2400.00} XXXX XXXX {$2400.00} XXXX XXXX XXXX- {$750.00} and all hard inquiries before 2018
My Mortgage company has pulled a double payment from my account. I called the and they told me I need to go through a process to get the payment back. This makes me late on the rest of my obligations. I made a mistake earlier in the month on my payment and got this resolved through my credit union. I looked at my account on the XXXX of the month and it said my payment was returned because they could not find my account. Also Early this past year I was going to refinance my loan with this company and the loan officer ( XXXX ) told me there would be NO FEES to complete this process. At he end after getting all the documents for Carrrington and was time to complete the refinance the truth came out on all the fees. This lender is very deceitful and I want both problems looked into Please. I have a more problems then anyone needs to go through. Thank you XXXX XXXX. PS I 'm not positive the is a FHA Loan
Under Associated Addresses, Equifax report, wrong address is listed ... have never ever been to that state!!!
In 2014 I got married to a man I had been dating who was a XXXX citizen. Shortly after we got married, he asked me to add him to my Wells Fargo checking account to help him establish his residency and our relationship for his XXXX application. I agreed, believing that if I was allowed to add him to my account, that I would be allowed to take him off, should our marriage not work out. Well, the marriage did not work out, and when I called Wells Fargo to have him taken off, I was told I needed to go into the branch. I went into the branch and tried to take him off of the account, and was told I would have to close the account. I told them I did not want to do that. It was then suggested to me that I open a second account and transfer the funds from my main account into the second account so that he could not access the funds. I decided to try this option, since I did not want to close my account. However, he would wait until funds were deposited into the original account and immediately start spending. Sometimes I had to have money in that account because there are automatic withdrawals ( my car payment, loan payments, attorney payments, etc. ) which then sometimes would " bounce '' because i had transferred only the amount of the automatic debit, and then he would make charges on his card and there would not be enough money to cover the payments that I anticipated making. This cost me fees and late payment charges. Like I said, I can not close the account, because I have direct deposits and automated debits connected to this account which have been set up since I had the account and I do n't even know who to contact or how to get the information to set that up with a new account. And I do not wish to go through all of the time and aggravation doing so. Had I been told that I would not ever be able to remove him from my account, I would never have added him in the first place. Had it been suggested that I open a second account and just add him to that XXXX ( before, rather than after the fact! ) I would have done that. 

Since my husband and I have separated, he has repeatedly obtained cards to this account, and spent approximately {$4000.00} of my money -- since he has never, not in the entire course of our marriage, nor since our separation, deposited any money into this account. He has gone into the branch and taken money out, he has had debit cards ( in his name! ) sent to his new address without my knowledge, he has done all of this despite the fact that we are separated and there is a restraining order currently in place and divorce papers have been filed. I demand that Wells Fargo assist me in REMOVING him from my account and that they allow me to keep the bank account that I have had with them for many years. I do n't know what else to do other than ask for the assistance of the CFPB in this matter. Thank you for your help.
ChexSystems has n't contacted the Bank nor investigated this matter as they argued on dispute XXXX. On their resolution they said " disputed information has been verified to be accurate '' If you see the dates of this complaint and the attached XXXX XXXX letters dated XX/XX/XXXX and XX/XX/XXXX, confirming the account was settled in full in XX/XX/XXXX and stating that XXXX XXXX requested ChexSystems to update the account accordingly both entities are in non compliance of the FCRA. The issues in dispute are the account terms, status, the obligation to provide accurate information, the obligation to update it on timely manner.
I have been repeatedly misinformed by Navient. Their inability to track, process, and apply my payments has led to past due balances and fees that they have corrected by forcing me to apply for forbearance twice within the past 8 months. They have given me incorrect information for the terms of my forbearance both times, including the period of my forbearance and when my next payment is due. I have started calling in and making my payments over the phone with a live representative because every single month that I go online to make a payment, I am showing a past due balance- even after making my payment over the phone through a representative who assures me this will not happen again. Today, my loans showed a total past due balance of {$18.00}, which a representative " deleted '' and stated that it was charged " in error '' and could not explain why it was charged. After o ver 1 hour on the phone with two Navient representatives today, I was told 3 different amounts that I was due to pa y only to be told at the end of my phone call that I did not have a payment due this month at all. I contacted them via post several months ago, as requested, and have not received a response. While on the phone with them today  XXXX / XXXX /  XXXX  , I was told that my balances due are entirely different from the information provided for those loans online and none of those amounts match what is reported to credit bureaus. They do not keep records of my phone calls, despite telling me that they will do so. Every time that I call, they somehow adjust my loan amounts and interest to get rid of the past due balances they have charged " in error '' and can not explain why the charges occurred in the first place. They distribute my payments in ways that are not as I have requested- My payments have been applied to interest, principal balances, and advanced due dates when I request that my over-payments be applied to the principal balance of single loans. My record of payment online does not reflect the payments I have made, and the last payment I made on  XXXX / XXXX /  XXXX   does not appear in records anywhere. In the past hour, my account information online has changed from showing payments made on  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  with capitalized interest on  XXXX  and  XXXX  as well as a credit adjustment on  XXXX  to now showing a record of payments on  XXXX ,  XXXX ,  XXXX , and  XXXX  with no record of the capitalized interest or credit adjustment. The amount that Navient claims that I owe them changes on a regular basis at the click of a representatives mouse with absolutely no explanation or record. I can no longer justify paying thousands of dollars to a company that can not accurately and consistently explain to me how much I owe, how my payments are being applied, and why I am repeatedly showing a past due balance or charged more than my scheduled payments in error.
Lending Club are currently reporting inaccurate late payments on my credit report ( s ), when they claimed to no longer have my account on XX/XX/XXXX, and that it has been sold to a company by the name XXXX, and i am to begin making payments to XXXX as of XX/XX/XXXX. 
I also filed chapter XXXX bankruptcy on XX/XX/XXXX.
This old lender continues to sell old debt that keeps showing up on my credit report after being taken off several times. Then the new collector puts it on my credit report likes its a new debt and its a debts from XX/XX/XXXX or XX/XX/XXXX