WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for and was granted a {$7500.00} student loan by American Education Services ( AES ) in XXXX, to be paid by XXXX ( nw XXXX ), for pre-law studies at XXXX Universityy in XXXX. I never received payment, but my loan went on the AES books as an Account Receivable. I took only one class at XXXX, and paid for it out-of-pocket. Fast-forward to XXXX : I am being hounded by a collections law firm in suburban XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, IL ), as they bought the paper on a claim that AES was awarded a default judgment several years ago for this " debt '' on a payment never received on a loan never used. AES can not produce a copy of the cancelled check with my signature, XXXX has no record of a deposit of that size, and as they not do this kind of loan, they have no XXXX records of the check, either. Saturday, I received notice of a hearing in XXXX to issue a wage deduction summons for {$21000.00}, for the " loan '' plus interest and court costs. This is absolutely outrageous, to put it mildly.
I receive hourly calls from an unknown number, however, once a day this call includes a voicemail from XXXX XXXX for XXXX. I am well-aware that I owe a debt to XXXX in the form of overdue credit card payments. Looking back on my device, since XX/XX/XXXX I have received seventy-five ( 75 ) calls from XXXX XXXX attempting to collect my debt. This is without going further back on my actual phone bill.
I receive regular automated start calls from several numbers with representatives stating so quickly where they are from that I ca n't understand them. They ask for " the long name '' on my drivers license which I do n't use any where else or for any credit. I am current on all medical bills and credit cards and have received no late payment notifications but they will not quit calling. When I asked what they were calling in reference to as I had no notification by any creditors, the woman became instantly aggressive and rude. I have blocked these numbers but am sick to death of the contact. While it 's possible that this regards some ancient debt that was settled, I ca n't get information from them without diving into a possible scam and they are calling my work cell over and over. Phone # s include : XXXX, XXXX ( which I do n't get at all ) and XXXX
I can not view updated credit information online through any means that I currently use. Credit Karma gives me an error stating that both XXXX and XXXX are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using Credit Karma for two years and haven't had an issue until recently, the last update was XX/XX/2018. The app says to contact XXXX or XXXX  to resolve the issue. To verify that whether it is a Credit Karma issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, XXXX says a condition exists that prevents them from being able to accept my request, and XXXX says they can not confirm my identity. I called XXXX to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on.
I sent a letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. This delinquent information is still reporting on my credit file and I am asking for it to be deleted from each credit bureau.
My loans were forgiven on or about XX/XX/2018 after I filed my first complaint with CFPB on XX/XX/18. Part of my request for resolution was that I receive any refund from overpayments immediately. Today is XX/XX/18 and I have not yet received the over {$4000.00} I am due in refund. Each time I contact XXXX XXXX, I have been informed that it is unclear when I will receive my refund and that there is no way to track my refund. Also, XXXX XXXX is not able to tell me if I will be mailed a check or if the money will be direct deposited into my account. I truly believe this to be unacceptable since this is my money. I need to know when I will receive it and how and if its much longer than 30 days after the forgiveness on XX/XX/18 then I am requesting interest to be paid.
I was contacted on XX/XX/XXXX by XXXX regarding the cancellation of internet service with XXXX XXXX, which I paid for when breaking contract back in XX/XX/XXXX- XX/XX/XXXX. The woman informed me I owed {$99.00} still. I told her I never received such a bill from them. She said she would check on it. In the meantime, I contacted XXXX, and they told me I had paid everything and was current on my account ( I still have phones with them ). I received a XXXX call on XX/XX/XXXX stating that if I did not pay the {$99.00} it would go on my credit bureau. I asked again for them to send a bill. She said she sent it to an address I 've never had, and that if I wanted it, I would need to write them a letter and send {$10.00} and request the letter be resent. They gave me the claim number of # XXXX, and again, they told me that if I did not pay this would affect my credit bureau. I 'm at a loss. XXXX says I am clear, and Aldous is telling me I need to pay money to receive a bill. Please help.
I began a XXXX transfer of XXXX on XXXX XXXX. The account the money was sent from had processed the order by XXXX XXXX. 

Despite this my money has still not arrived in the XXXX/Coinbase account that it was sent to. 

I 've sent messages to them asking them to resolve the situation from the XXXX of XXXX but have received mostly automated messages. The one message that did not seem automated was one stating that a " at this time we have escalated your case to a specialist. '' That was on XXXX XXXX. I have not heard anything in response since despite sending multiple messages via email & XXXX.
XX/XX/XXXX : Reliant Capital Solutions tried to claim a student loan that was paid 2 years ago was in default. When I claimed it was paid in full already the gentleman suggested I contact the University and confirm the debt was already paid and left me his direct line. He also mentioned debt consolidation as one of their " solutions '' at the end of the call if I happened to need those services. Gave me the number XXXX EXT XXXX to call back. 

XX/XX/XXXX : Reliant Capital Solutions claimed a student loan was in default as of XX/XX/XXXX. I let them know it was already paid and had contacted the University plus check my credit reporting. No bad marks -- obviously a scam call. They did not give me a number to call back that time
Several companies listed inquires on my report that I did not personally request. I have contacted XXXX and notified them that I have been a victim of this and got no resolution. 

XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/2018
Transunion is, in my opinion, ruining my credit report on purpose. It is amazing at how inept they are being about fixing their own mistakes. I have sent them XXXX letters already, telling them exactly what was wrong and what they needed to fix and they have been responding with crazy statements basically telling me that I am the one who is wrong! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history AND BALANCES! CAN YOU BELIEVE THAT!?? 
2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 
3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be removed.
I sold my house and received pre-approval letters from Bank of America ( BOA ), XXXX XXXX XXXX XXXX ( XXXX  ), and XXXX XXXX  ( XXXX ) to purchase a new house. My XXXX credit score ( depending on the credit bureau ) ranged from XXXX to XXXX. Except for the property I sold, the only other outstanding debt was on my car. I have never been late for any type of payments. The purchase of the new house was based on a {$300000.00} sale price, me putting {$50000.00} down, and a 30-year fixed rate conventional mortgage. When the inspection of the new house was completed and I wanted to move forward and finance the purchase, I asked all XXXX firms for final financing quotes to be able to lock the rate. The offers ranged from 4 % to 4.4 %. However, the closing costs/cash to close, based on a {$35000.00} downpayment ( the firms stated this amount, not me - since I could afford {$50000.00} ) were {$21000.00} ( XXXX ), {$27000.00} ( XXXX ), and {$47000.00} ( BOA ). Nobody I spoke to, even the realtor, could explain why the closing costs were so high. It meant I had to find at least {$56000.00} to purchase the property ( {$35000.00} downpayment plus {$21000.00} in closing costs ). Th  realtor says there may have been a change in the rules that she was not aware of. I had to cancel the purchase of the house.
navient would contact me and my parents repeatedly trying to almost force us to pay on loans when i am not in a financial place where that is not possible i am barley able to keep head above water. my education has not helped me in the pursuit of financial gain at all and it is hard to keep optimistic when you are be hounded for the money that was given to help advance my career and therefore my wallet ... and the manner to which navient attempts to collect is almost mob like so many calls and does not matter what is noted in account the calls and the their way of talking to customers is ridiculous and unacceptable!!
I was given this phone number by the phone compant last XX/XX/XXXX. I have been plagued by debt collectors calling,, asking for every XXXX male name in the book. It is unknown if they are all the same collectors, but they ask for a different name each time if I answer the phone. The month of XXXX XXXX, I was gone to XXXX for one month. I run a business on my phone so phone messages are important. Every business day for about 3 weeks the same debt collector at the same number had a machine, call my number, while I was gone and left an unclear message, missing all but the last half of a sentance, but no identification,, etc. I searched that number using caller id on the internet and found that they were debt collectors, then. But, being out of the country I could n't them, and why should I? But, I was worried, just in case I had a problem with a debt that i didn ; t know about. Those people filled my voice mail with their calls. I have XXXX digital phone so I have the computer record. Howverr it was not working well while I was gone, which further made this difficult and worrisome. I did not know what I might have missed, How is it that a debt collector, even if the debt were mine, can do this, with their autodialer machine, harrass me, and never identify themselves or explain the reason for the call??? I returned from my trip last night XXXX XXXX, XXXX. First thing this morning i called that number. The man I talked to is in Arizona. He sounded XXXX. and he is a debt collection agency but would not admit it at first because I refused to give him my name. When I told him that I knew who they are, in fact that he is Apple recovery, he admitted it but simply said I 'm am sorry. This mess caused me time, and grief. if I could I would sue them. In any case, they should be fined for unethical behavior. He admitted, finally, when I gave my first name, that they were not looking for me. or anyone I know, but someone gave them this number. This has got to stop! By the way, I have perfect credit. if someone messes with my good credit I will fight tooth and nail to defend it. I had to do a short sale 3 years ago and I am very protective of my credit.So,, this is very distressing to have this while I am in XXXX and can do nothing about it.
I purchased a home in XX/XX/XXXX in XXXX, SC through XXXX XXXX. This is a VA loan, as I am a veteran. They sold our loan to XXXX XXXX XXXX ( which is apparently also known as XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX  then sold our loan, effective XXXX XX/XX/XXXX to XXXX XXXX. We received NO PRIOR NOTICE from XXXX XXXX XXXX   and only discovered this sale of our Mortgage when we contacted XXXX XXXX XXXX on XX/XX/XXXX or XXXX about a modification to the loan and were told we were no longer their customer, but it was now XXXX XXXX. I received a notice and information packet from XXXX XXXX, dated XXXX XX/XX/XXXX, and received this packet on either XXXX or XXXX XX/XX/XXXX. This means that while Selene created the notice in 14 days from assuming the mortgage ( XXXX XX/XX/XXXX ), I was not notified until 21-22 days after they assumed the mortgage from XXXX / XXXX. This is two different mortgage companies and one finance / debt collection agency in under a year. And the second sale / transfer was done without any notice until well after it occurred. 

Today, XXXX XX/XX/XXXX, I received a notice of cancellation from my insurance company stating that my home owners has been cancelled, because neither Selene, nor XXXX / XXXX did not notify my insurance company. Since my mortgage payment includes my taxes and insurance payments, this should be done by them. It was when XXXX sold my mortgage to XXXX / XXXX, but not in the XXXX / XXXX to XXXX sale / transfer. And all of this without my knowledge or consent. As the mortgage holder / consumer, we should have greater rights as to who owns our debt, and under what terms. This is excessive that in less than twelve months I have been through three finance institutions, and the potential for abuse or mistakes compounds with each sale / transfer.
I have 2 issues with Experian and XXXX. First, I have reported several times to Experian and XXXX  that my identity was stolen and that I had reported this previously to the CFPB. I reported to them online and by telephone and they still have shared my personal information to creditors that do not belong to me, as before, the creditors did not have my home address and was able to look into my credit file and obtain my personal information. I have also reported to Experian and XXXX  that the creditor, XXXX XXXX XXXX, in the amount of {$850.00}, that is currently listed on my credit report, does not belong to me and is fraudulent. I also reported to Experian and XXXX  that this account is the 2nd time it showed up on my account and was sold to them by the original creditor named XXXX XXXX XXXX XXXX after it was taken off my credit report the first time. I have filed an identity stolen profile with the CFPB. I would like for Experian and XXXX  to remove this fraudulent account from my report.
This company sent me a credit refund balance from a credit i had on my Barclay credit card in the amount of {$360.00} on XXXX/XXXX/2016. When i received the check i called the number back on my card to make sure it was okay to cash it and the representative said she did n't see any stop payment on it so it was okay to cash it. So i mobile deposited into my XXXX XXXX account and the check came back unpaid and put my bank account in the negative which caused all types of problems and emotional distress. This is considered writing a hot check which is a crime and a felony no matter who you are.
XXXX XXXX XXXX XXXX-2015 Not my account Fraud account identity theft
Over the past few months M & T Bank has charged me over {$6000.00} in insufficient funds fees. They continued to process ACH debits after charging me stop payment fees stating that placing a " stop payment '' is a request and not a guarantee. They will not allow me to close the account or open a new one to stop these debits while the account has a negative balance. As soon as my direct deposit credits are posted, more fees are charged and my account returns to overdrawn status. It 's a horrible cycle that is costing me and my children everything we own. I would just like the insufficient funds fees refunded so we can try to save our home and car. I 've contacted M & T over a dozen times with no resolution.
My husband and I were the victims of a scam. Someone called my husbands cell phone claiming to be a representative from USAA Bank which, at the time, was our primary banking institution. The individual posing as USAA requested that my husband verify certain pieces of his personal information in order that she could check to make sure he was eligible for {$10000.00} to be deposited into his account. To make a long story short, this individual was impersonating a USAA representative. They then proceeded to deposit fraudulent checks into several of our accounts to include my children 's dependent accounts and withdrew over {$6000.00} dollars from my husband 's account from an ATM machine all in one day which I feel is very strange. Shortly after all these transactions were made, we received an automated telephone call form USAA stating that they suspected fraudulent activity on our account and instructed us to call them. We called them and that 's when we were informed of the transactions. This was on XXXX XXXX 2015. Since that date, USAA has been very uncooperative with us. They have refused to give us information about how we can try to recoup the monies that were stolen from us. They have not even given us anything in writing explaining to us what our options are. Every time we call them in reference to this situation they say that we need to speak with someone in the fraud department and we have to hold for hours or are disconnected. It appears to me that they are deliberately treating us in this manner because we never had a problem with USAA until this incident. My most recent contact with them was today XXXX/XXXX/2015. I called to see if I could get some type of written documentation outlining the fact that our accounts were frozen due to this fraudulent activity which lead to my mortgage payment check being returned and incurring a fee and a 1 year penalty of not making any election payments. After I was transferred about XXXX times and was on hold for 1 hour, the representative told me, " USAA will not provide any information of the sort due to the fact that USAA has deemed that you are responsible for this series of events. '' I find it really hard to believe that as international bank that preys on the Military Community, ( we are a Military ), they could not give us any guidance or help with this potentially career threatening matter. My husband is and XXXX and I also work for the XXXX. We have both now been sent to a collections agency about the balances even after we have called to speak with their internal collection department to try and set up a payment plan for the over drawn accounts. This has been such a horrible situation and to have the door shut on us by a financial institution that I have been with for almost 10 years is very disheartening.
My SSN, DOB, address, driver 's license number, credit card numbers, and potentially other personally identifying information was part of a cyberattack carried out against Equifax Inc. earlier this year. My information is now accessible to any would be identity thief.
Furthermore, Equifax did not disclose information to me of this attack until several days ago, months after the breach occurred. This has given identity thieves months to plan and/or carry out an attack on me. Equifax has displayed disregard for me and 143 million others in not disclosing the nature of this attack in a timely manner.
In an attempt to pacify the victims of this attack, Equifax has offered to provide 1 year of identity theft protection. I feel this is insufficient for two reasons : First, I do not trust Equifax to provide competent protection, as they have clearly proven they can not handle my private information correctly. Second, language in the Terms of Service when agreeing to their Identity Theft Protection Program explicitly bars me from any future litigation. Without knowing the actual impact of this cyberattack, these terms are not acceptable.
In short, Equifax needs to be held accountable for their negligence.
I sent them letters multiple times And so far they have not yet respect the fact that I want to to remove the inquiries and late payments off my report.

The late payments can not be proven also.
XXXX account # XXXXdoes not belong to me. I have no knowledge about thisaccount. I have requested a validation of alledged debtsXXXX times over the US mail for the last XXXX monthsdirectly to collector as well as I 've placed several disputes with Experian credit bureau. Never been responded by both oof them.
My daughter XXXX received her annual escrow statement from Fifth Third bank with a substantial increase in mortgage payment. Partially due to an increase in property taxes and insurance but a large portion relates to the cushion analysis for the upcoming year. The concern is that the ending balance in the XXXX projection does not agree with the beginning balance of the XXXX projection. After almost 2 months and trying to resolve this with Fifth third I was able to determine that they had deleted one months escrow payment from the calculation. I have emailed this information to them for correction. However, they are not returning my calls or responding to emails. I have delt with XXXX XXXX, her supervisor XXXX ( I believe the last name is XXXX ) and another supervisor XXXX, who would not provide a last name. I analyze my daughters escrow every year and XXXX with 28 years of experience. Fifth Third was unable to answer ( or unwilling ) my questions and this has been a very frustrating experience. I am not sure they will ever resolve the issue.
Been contacting XXXX via phone, fax, and written letters to request deletion of account/ information that does n't belong to me ; also to report positive account was advised via phone on numerous occasions issue would be resolved and updated it has been over 60 days and invalid information is still be reporting. The following accounts need to be removed State Lien/Judgment # : XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX # : XXXX, XXXX  XXXX # : XXXX, XXXX & XXXX # : XXXX, all medical collection, all inquires/ alias names : XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX , XXXX , XXXX,  XXXX XXXX XXXX , XXXX XXXX XXXX XXXX the following address : XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXX , GA ; XXXX XXXX XXXX XXXX , GA XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX , OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX
It was brought to my attention that a " Negative ( Not more than two payments past due ) '' was added to my report from Wells Fargo DLR SVC. Wells Fargo has not reported correct information on this auto loan account. First, I am only the co-signor on the account and my friend has not missed any payments in the past 30 days in any month. This past month she was in the hospital, but made an online pay well before the required date for this to be reported. Wells Fargo did not process her payment for over a week causing the payment to go late. This was either incompetence or intentionally done on their part. As a result, my credit score dropped XXXX points and XXXX 's dropped about XXXX points. I want Wells Fargo to amend their report to any credit bureau that they reported ASAP. Also, XXXX has been paying this auto on time for the past 3 years.