WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX XXXX Company Sold - Account Type Collection Account Date Opened XX/XX/XXXX Account Status Open Payment Status - Status Updated XX/XX/XXXX Balance {$480.00} Balance Updated XX/XX/XXXX Original Balance {$480.00} C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This debt was removed then went back on my report. It is not accurate and it had been sold mulitple times. I also have disputed this as not mine but a family member who used my old account to add themselves to mine. It is also being reported twice and it is same account.
Equifax refuses to remove an account from my credit report from XXXX. I have notice received through the Consumer Financial Protection Bureau from XXXX stating that they have requested Equifax to remove the account information as of XX/XX/2016. Today is XX/XX/2016 and Equifax continues to report this incorrect information. I submitted a notice through the CFPB with a copy and they ignored the letter. I am re sending this as a final notice that this should be removed. It is unfair for them to continue to damage my credit reporting
I consolidated my loans, submitted Public Service Loan Forgiveness with Navient and got into payment driven plan in XXXX. Since my payments were to be very high, they advised me to go on deferrement and forbearance since then and to renew every year. I would call to check the status of my forgiveness and I would hear that after 25 years from the original graduation year of XXXX my loan would be forgiven or by the Public service loan forgiveness route, whatever comes first. I believed them! 

My loan is now due for repayment and no more forbearance is available AND that all this time I incurred much more interest and that none of the years counted. They never told be that forbearance did not count, on the contrary, they incentive it. 
My loan now is over {$230000.00} - over {$100000.00} of interest alone! 
This student debit is not allowing me to qualify for loans to purchase property on the first floor in order to accommodate my elderly mother who can not use stairs. How can a company, working with federal loans, act solely for the investorss profit? Federal Loans!
LEXIS NEXUS IS FALSELY REPORTING PUBLIC RECORD TO ALL BUREAUS CASE NO.XXXX. FOR SENIORS RECORD NOT JUNIORS RECORD IN ERROR.
I've been a Usaa client from since XXXX. I've never missed a payment or been delinquent on any of my credit cards I have 4 to be exact I've had credit cards since XXXX when I was XXXX. I've always been responsible. My credit card limit was {$3900.00}. I paid off the account in full it wasn't easy due to experiencing a total lost of our home in hurricane Maria last my sister died the same week & also divorced. It took everything in me to payoff but it was my highest credit card & I wanted to improve my credit score. I thought someone scammed me because I called my card to make another payment because I made a few transactions & on XX/XX/XXXX they decreased my account from {$3700.00} to {$2700.00}. Not only I'm I hurt I'm confused & I don't know why my credit card company would do this to they're Loyal Client. I was not notified nor was I contacted from them about the decrease which is unprofessional & I feel it is illegal because they call for everything else I trusted them for years.
In the  Magistrate Court of   XXXX   County I entere d into a Settlement agreement which I would pay  one month  rent of {$1500.00} and forfeit my security deposit. A judgment was never entered against me. The check was cashed and appears paid and I have a copy of the canceled check. It was deposited on   XXXX   XXXX   XXXX  . Check numbe r 147, t he agreement was it was to be paid by   XXXX   XXXX   XXXX   which it was and hand delivered to the Plaintiff, dated for the sixth. He was to report to the court that it had been paid and the case would be dismissed, however, the plaintiff never reported this to the court, I found it during a review of my credit file. I have sent several letters and motions to the court to correct this error with no response or help other than they did not report it. My first letter was sent   XXXX   XXXX   XXXX  . My case number was  14-C-1886.  On the same date I filed a motion to enforce settlement, since this should have never been entered as a judgment since I paid pursuant to a settlement agreement. The court instead had the plaintiff enter a release of judgment on   XXXX   XXXX   XXXX  . This was not agreed upon. There should have never been a judgment entered or release as we reached a valid settlement agreement on   XXXX   XXXX   XXXX   for me to pay by   XXXX   XXXX   XXXX   and the case would be dismissed. This release did nothing to remove this inaccurate information from credit report. Again I sent a letter on   XXXX   XXXX   XXXX   requesting that the judgment be vacated and removed from my credit report and in the mean time to report to the agency that is was paid. I disputed the same with  XXXX  and eventually they removed it. Now it is appearing on my Equifax report that I filed a dispute with today. I have applied for a mortgage and have been approved I am in the process of purchasing a home if this fraudulent reporting and lack of the Court reporting the accurate information and removing this error of judgment on my record results in my denial of the mortgage which is set to close on   XXXX   XXXX   XXXX   I will file a lawsuit for the entire amount of the home value. This is ridiculous that I have repeatedly attempted to correct an error on the Courts behalf and they ignore me. I have all documentation of my attempts to get t his Court to re move the judgment. It is completely inaccurate.
I am a recent graduate from XXXX University in XXXX and I have been trying to stay on top of paying my students loans to maintain and grow my credit. Sallie Mae, their headquarters is located in XXXX, has continuously taken advantage of me because I am a XXXX recent graduate. In the beginning they were not clear about payments fluctuate due to interest rates after graduation. Then their website was not clear about when payments were due. Now they are claiming that I have not made any payments and that I owe over a thousand dollars for XXXX loan, when my cosigner and I have been making consistent monthly payments. The payments are evident on our bank statements as well. This has been going on for far too long. I 've called and have spoken to a number of individuals that work for the institution. They can not take advantage of be because I do not possess economic capital. Additionally, my interests rates are criminal. I took out XXXX loans, XXXX has a 9 % interest rate, the other 8.5 %, and the last one has a 8 % interest rate. Not only did they refuse to consolidate the XXXX they are not clear about how much and when payments are due. My cosigner and I pay and call every single month because there is always a problem with information and how much money is owed. Last time there was a bunch of money left over from early payments on a loan and that was not conveyed at all until I continuously called. I am a recent graduate for XXXXsakes that 's trying to do the right thing by paying my loans on time and I am the process of becoming a teacher. Sallie Mae has place a huge financial burden on my family significantly and has impeded my ability to properly invest in myself and my future. Many families use Sallie Mae to help fund their children 's education and to know that this private loan provider will stoop so low and take advantage of recent graduates that are trying to do they best that they can to pay their loans is ridiculous.
I have been subject to constant, harassing phone calls from Green Tree Mortgage for the last XXXX years. 
I am divorced, but the mortgage on my former home is still in my name, as my ex-wife can not get it in her name. As part of the divorce decree, I pay my ex-wife, who is responsible for paying the mortgage. I pay her, but she is unable to make the payments on time. Green Tree will call me continuously, from XXXX a day to as many as XXXX times a day for XXXX weeks out of every month, and then start again.Green Tree is fully aware of these circumstances, but has continued to harass me. This has been going on for XXXX years, calling my cell phone at various times during the day, leaving threatening messages regarding legal action against me. This has been going on for years. Please make them stop.
Very confounding by in XXXX funds are being allocated for payments. Also due date on which funds are taken changes
I booked a wedding at XXXX paid a deposit on my amex card in XXXX 2016 this was paid for in full my contract with the club asked for a check on the final day in XXXX 2016 which I wrote prior to the party. There were many issues that the vendor did not resolve and things they did not follow through with on their contract I am starting a small claims regarding this. I put a stop on my check for the final amount until they can work out a resolution. On XXXX XXXX 2016 the XXXX put a charge through with AMEX for XXXX dollars. This was not authorized by me nor does it allow in their contract I called amex to dispute after a month they put the charge back on and said the company had authorization. That is not the case they showed them the old deposit authorization. I just wrote and official letter to AMEX explaining the above because when you call you get nameless faceless people in a company that is far to large to handle consumer complaints I dont wish my credit to be ruined or reported late during this dispute process
I contacted company on XX/XX/XXXX to inquire on the medical collection listed on my credit reports. I am unaware of this debt, have not been previously contacted by debt collector. Have contacted original creditor, who has stated I was not admitted or sought services on the dates listed on my reports, either date of service, or date assigned. I have an in-law with a very similar name ( last 4 letters of first name are exactly the same ), and feel this has ended up on my report. They constantly kept asking for my Social Security number of which I would not disclose, they asked for my date of birth which I would not disclose. Then they asked for the last 4 digits, of which I still would not disclose. I gave them my name ( not at all common ) and the amount stated that is reporting. They insisted they needed Social Security number and Date of birth, to me is asking for identity fraud reporting. I requested removal from my reports, or medical disclosure to how they have obtained as such.
on XX/XX/XXXX I had applied for a modification approved at an extended 40yr note I was not looking to be XXXX and steel paying on my loan. I had fallen behind on my payments for XX/XX/XXXX a partial payment as I was making a repayment plan fail to make a payment to repayment plan on time and there for it was removed I have been trying to redo the repayment plan and they keep denying it until XX/XX/XXXX I spoke to a rep and he said I would qualify for a repayment plan down payment would be {$4100.00} I agree to pay on XX/XX/XXXX I called to notify I would be making the deposit and relationship manager said it was denied she would had to resubmit I called again they said it was denied in total submissions it was 5 last one came back to me I need to pay {$6100.00} on XX/XX/XXXX then she called back later it had been denied again due to submittal by previous R/M was calculated wrong she would submit again as I explain to her my interest was not due to change until XX/XX/XXXX so she submit again then R/M called me on XX/XX/XXXX to advise it had been denied for the XX/XX/XXXX just when I had put the {$6100.00} together again my loan was setup on a modification trial plan for three months my first payment will be XX/XX/XXXX I had not other repayment plan available due to my loan in the FC process as they ate all the time on submittal and denials..I am so nervous of this trial plan not good reviews on the Ocwen trial plans online and as of today I had not received no paper work they have been working on it for over two weeks ... ... on the online reviews customer lost a home as they came back to her three months later informing her she did not qualify for the modification ... .my question is what takes to get the final modification approve or denied?????? I dont want to loss my home OR SELL MY HOME and they know I have a good equity on my home ... I would like for OMBUDSMAN DEPT HELP ME ... .OR SOMEONE TO HELP ME ... ... .I WANT FOR SOMEONE TO ASSURE ME THIS MODIFICATION IS GOING TO HAPPEN AFTER THE TRIAL AND NOT ONLY KEEP EATING TIME ... TO KEEP MY HOME ...
Bank of America refuses to terminate mortgage insurance on the property, even thou the LTV is below 70 %. BofA demanded we pay {$450.00} for another appraisal to be done by XXXX XXXX XXXX XXXX. I think it is unnecessary and violates the spirit and the letter of the Federal Homeowners Protection Act of XXXX as amended in XXXX. The full appraisal of the subject property was performed on XXXX XXXX, XXXX by a fully licensed appraiser, certified to perform appraisals for FHA. The subject property was appraised at {$490000.00}. A copy of the Appraisal Report was submitted to BofA on XXXX XXXX, XXXX. The current Principal Balance on the loan is {$340000.00}. That makes LTV below 70 %! In the letter dated XXXX XXXX, XXXX received from BofA, it estimated the Property Value as of XXXX XXXX, XXXX to be {$470000.00}. The LTV ratio based on BofA 's own Property Value Estimate is below 70.00 %. Furthermore, even if you take the Purchase Price of the Property at the time of purchase in XXXX, of {$430000.00}, the current LTV is still under 80.0 %. On XXXX XXXX, XXXX we send a check for {$450.00} to cover appraisal fee for a second appraisal as Bank demanded. Bank cashed the check immediately and still has not even started process of appraisal. I called back PMI department they said they do n't see payment for appraisal being processed! I filed a complaint with CFSB on XXXX XXXX, XXXX, got a letter from XXXX XXXX, " customer advocate '' that she is going to resolve the matter by XXXX XXXX, XXXX. Nothing happened as of today. I am leaving messages to her phone number XXXX it does not even ring, goes straight to voice message ) she calls me back XXXX days letter when I am not at the phone and leave me a message. There is no way to get a hold of her. I asked for a fax or email to communicate, with no success. Nothing is being done and PMI is still charged.
We, my wife XXXX and I, entered into an agreement with XXXX ( XXXX ) for points on a timeshare in Tennessee on XX/XX/XXXX. As part of the agreement we made application for a loan through PayPal Credit ( PPC ) for approximately {$5000.00}. On XX/XX/XXXX We signed a form provided by XXXX that indicated we were approved ( attachment # XXXX ) After reviewing the documents at home we decided that we had been victimized by XXXX an pursued legal action to cancel the agreement ( attachment # XXXX Summary Statement ). On XX/XX/XXXX we received a letter from PPC dated XX/XX/XXXX informing us that our credit request had been denied due to their standards for approval ( attachment # XXXX ). We assumed the agreement with XXXX was nullified and we would be contacted by them to renegotiate or terminated the agreement. 

In XX/XX/XXXX we instead received a statement from PPC indicating we had an account and we were subject to pay the amount authorized ( attachment # XXXX PPC Statement ). 

We communicated with PPC to tell them we had initiated legal action to terminate the agreement with XXXX and felt the amount charged to us was therefore invalid. We asked them to investigate the process for the granting of credit attachment # XXXX request for review ). 

They denied our request and stated via mail that we were expected to honor our agreement with PPC ( attachment # XXXX PPC Response to request for review ). 

My contention, as it pertains to PPC, is that we were denied credit based on their established terms. Denial of the credit worked to our advantage because the terms established by XXXX were not consumer friendly ( please refer to attachment # XXXX Summary Statement ). However, PPC entered into a complicit agreement with XXXX to override their own standards and extended the credit after it was denied. I consider that and act of collusion. 

Furthermore, XXXX gave me the false impression that credit had been approved by PPC on XX/XX/XXXX when in fact it was denied on XX/XX/XXXX following the submission of the application to PPC by XXXX on our behalf. I consider that predatory loan practices. 

Following legal advise we will honor our signed commitment to PPC for the amount charged against our credit. However, we consider this debt to be the product of acts of collusion between XXXX and PPC and predatory loan practices by these same named merchants. 

At this stage in the matter before you we not contemplating the pursuit of additional punitive damages nor reimbursement for legal fees incurred. We are only requesting non-punitive relief from this obligation against our credit.
I have a Kohl 's credit card ( managed by Capital One ) account with automatic bill pay set up. The bill pay was rejected by Kohl 's. I called for an explanation, because as far as I can tell the information was entered correctly. Kohl 's told me to contact my bank to confirm that. I called XXXX XXXX XXXX to confirm that my account was correct, but found that when I logged into the Kohl 's online interface, while I could see my full routing number, I could only see the last XXXX digits of my bank account. XXXX XXXX XXXX suggested that I call Kohl 's for the full information that I gave them. I called Kohl 's back and they told me there is no way for me to find out what information I typed in there and they could not tell me because they themselves could only see what I see. They can only tell me the final XXXX digits of my account. Without being able to check if the bank information I entered into my Kohl 's account is correct, I am unable to investigate this matter further on my own as to why the payment did not go through. How can a company like Kohl 's withold my own personal information from me that I gave to them? After I gave them the required identifying information to prove that it was my Kohl 's account? I do n't want this negative information on my credit report, but neither company is helping me find out what really happened, if it was indeed mis-entered information or if there is a mistake on their end. I feel totally disempowered.
Have two issues with my wellsfargo accounts : 1 ). the bank continue to charge me overdraft fees on online transfers and when the balance is just under XXXX they have charged me over XXXX dollars in fees in the last 4 weeks. 
2 ). the bank in XXXX double paid my employees payroll after they did n't process the direct deposits and we than voided that payroll. Because they could not retrieve the funds back from some of the employees that they double paid inert, they debited my business account and over drew my account by over XXXX they have records of where I called and they directed me that I had to pay my employees manually and we therefore voided the payroll. The bank refuses to take accountability. 

3 ). because of the payroll issue the bank started taking the money from my rent account to cover the payroll overdraft that they created. They than removed money from my rent account, bounced my rent checks for my business than cause my rent account to be overdrawn by over XXXX. Again, the bank is not taking any accountability and feels like they can do whatever they want to me and my business accounts. The bank has put my business in financial jeopardy. They have charged my in all my business accounts close to XXXX in incorrect overdraft fees in just the last 8 weeks alone.
This is an occurring and frustrating situation, when you are being harassed mentally and emotionally by a debt that is not yours. After many failed attempts to remove this account, as promised by The FCRA, neither reporting agency has ever provided me with physical verification of the issue at hand.
I moved from XXXX to XXXX in XX/XX/XXXX. I tried to get XXXX at my new house and they told me I was not eligible because I had an open acct at my old XXXX address. I explained to XXXX that was a joint acct between XXXX and I and we had split. When I asked XXXX to remove my name from the acct I was told that he had to do it because he was the primary acct holder. I immediately contacted him, we share a daughter, and asked him to call and let them know I no longer lived there and hadn't lived there in 3 yrs. XXXX then called me and told me he had my name removed. When I called XXXX back about 1 week later I was able to get the service with no issues, so I assumed my name had been removed off the other acct and the issue had been resolved since the representative allowed me to open an acct here in XXXX. Apparently this issue was not resolved and there is a delinquent bill at the address in XXXX. I contacted XXXX and explained to them the situation and that I am currently a XXXX   account holder and am current on my account. I also explained what had happened when I originally tried to get XXXX  here in XXXX  back in XXXX and was not able to. At no point was I contacted by mail or phone to even notify me that I had an outstanding balance on anything, and certainly not 2 cable accounts that range from {$150.00} to {$200.00} dollars a month. I certainly would not have let it go to collections. This should not be on my credit report due to it is not my account. This has a negative impact on my credit score and showing I owe XXXX/ Receivables Performance Management in the amount of {$940.00}. Not only was the account delinquent they also have not returned the equipment apparently. If you check anything on me you will see that I have not resided in XXXX since XXXX, or at that address since XXXX. My transfer from my job can also confirm this information. Thank You for your time and assistance.
I keep trying to dispute an inaccurate late payment and Equifax system keeps kicking me out. XXXX and XXXX have removed the inaccurate XXXX bank late payment info
No matter what is asked for them they still share and allow access to my credit report to whom ever pays them or in the case whom ever they pay a data minor that is not checking with the court because they court will not verify anything let alone a fed tax lien XXXX XXXX this tax was released Per the recorder of deeds BK XXXX so why is it that they fill the need to use the wrong information from the start
Macy 's ( account number XXXX ) is currently reporting an account that is not mine to XXXX and XXXX as late.I 'm a victim of ID theft and it 's various information on my XXXX and XXXX report that is not accurate including this account that is over 7 years old that just showed up as being late. My ID theft number is XXXX and I also have a police report number. I request help in getting this inaccurate information removed from my credit profile immediately.
Whilst away at school my name and personal information was used to open accounts including this XXXX. I have not or did not give my authorization to open this account and I require a full disclosure of the contract ; payment agreement ; identification used to open this account and all other information pertaining to the opening of this account.
I am a soldier in the XXXX XXXX XXXX, in 2011 while I was in training at XXXX XXXX XXXX I purchased a wireless hotspot from the telephone company XXXX. After I was done with training I PCS to XXXX XXXX XXXX where XXXX did not offer the option of a hotspot so I was able to cancel my contract under that fact and also under the SCRA Act ( Servicemembers Civil Relief Act ), without the penalty of a cancellation fee. This was not done even after the fact that i had fax in all the required documents. I have tried numerous times to resolve this issue with the debt collectors but they are not willing to accept just my military contract showing that i was stationed in XXXX XXXX.