WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX, I had received a phone call from a Navient Representative. .... He stated that my loan was late, since my automatic payment did not go through. He stated my account was not sent to the credit bureau at the time of the call. He stated that, if I paid a one month payment, and paid {$1.00} towards reinstating my IBR, along with just XXXX automatic payment deduction for the following month, then my account will be brought current and I will be in good standing. .... This was verified based on a phone conversation I had with Navient 's supervisor XXXX XXXX # XXXX in XXXX XXXX. The supervisor also stated my account still shows I was only 58 days late on XXXX/XXXX/XXXX. He also stated he could not provide the rep 's employee # because he was let go. I had then spoken with Navient 's Manager, XXXX XXXX on XXXX/XXXX/XXXX, and he advised me to make a request that my ombudsman dispute be reopened. .... All I am asking is for the voice recording on XXXX/XXXX/XXXX, be made transparent in a written transcript to verify what I am saying is true. .... Upon confirming my statement as being true, then I am motioning Navient to remove the 60 day late credit reporting on all three of my private loan accounts on XXXX. I am requesting Navient take ownership and liability for falsely or by misinforming me of inaccurate information as stated above. As I 've stated repeatedly, I work XXXX and my brother who is my co-signer, XXXX. The public stakes their lives on the quality and integrity of our work. I am requesting the same integrity from Navient. The harmful outcome of the false statements by the Navient rep has destroyed our relationship. Please make transparent a copy of the voice recording or a written transcript of the voice conversation to the ombudsman office and myself. Please accept responsibility and remove the negative reporting. I am asking Navient to do what is right.
Based on our correspondence and feedback from SPS, We have questions and serious concerns that we need to address in a timely fashion from SPS and alleged Foreclosure Mill, which have change hands several of times. We totally reject to all the alleged responses from SPS. These are the reason why ( A. ) W e was not aware of Foreclosure Sale Postponed on XXXX XXXX, XXXX, We request for proof of discovery, As we know the property can not convert over the note Holder in Due Process. However based on the information on the foreclosure sale, that allegedly took place place on XXXX XXXX, XXXX. We also requested the law firm to provide proof of evidence from the Auctioneer and the courts for proof of presale and new purchase deed showing on record as new instrument. ( B ). Based on Preditory lending towards XXXX XXXX, which the loan was diflated libor rate and so since the alleged loan was transfer to XXXX XXXX XXXX/SPS Allegedly amount owed was part of preditory lending, that SPS company pursue and is now denying any activity in response to this matter. We reject to SPS claim and merit and there false allegation. However as far as we concern, the Attorney Foreclosure Law firm is in violation of the FDPCA. as debt collector and purchasing our property for gain, which falls under theft by Deception and Ultra Vires.This case is still valid due to the fact, SPS is acting now as a pretender lender, that is facing lawsuits in preditory and truth n lending, Dodd Frank. ( C. ) Returned of previous payments needs to be address, based on SPS is the third party debt collector with no license in the state of Maryland as a debt collector.Which clearly is not the Holder in Due Process, also in violation of the FDPCA against all parties /substitute Trustees/Attorney 's. Therefore all payments must be returned and foreclosure must be vacated until this thorough investigation is fully disclosed to satisfaction. ( D ). Based on Servicing Rights, which clearly does not give SPS authority to act in the position as Servicer to this property. Based on the documents receive from SPS showing the documents dedacted inlegible. Based on my credit information, the loan was paid offand discharged thru the Bankruptcy since XX/XX/XXXX
Hello. OnXX/XX/XXXX I returned a leased car over to XXXX XXXX XXXX XXXX and took another lease in exchange. It was a trade in. I entered into a new leasing agreement still in effect. I was told by the salesperson ( XXXX XXXX ) that since I was taking another car from the same dealer I did not have to pay any amount for returning the car to the dealer before the end of the lease. 
OnXX/XX/XXXXXX/XX/XXXX ( 14 months later ) I received a letter from a collection agency trying to collect a debt of {$800.00}. When I contacted them they told me that I owe that amount to XXXX because I returned my car before the end of the lease. I went immediately to the XXXX dealer and the Salesperson ( XXXX XXXX ) and the Manager ( XXXX XXXX ) both informed me that it was a mistake that XXXX made, they processed improperly the trade in paperwork and that 's why XXXX was charging me with that amount, but since that account was closed and sold to a collection agency they had nothing to do, meaning to say that the problem that they created is now mine and that I have to find a solution for something that they did wrong on their side.
Citibank XXXX XXXX has increased my interest rate to 29.99 %. I understand that this is their rules when someone pays late but I was only a few days late. I see this as unreasonable punishment since they also hit you with a late fee as well. My balance on my card is only $ XXXX out of $ XXXX credit limit. I have been a long time customer of Citi.
My payment was due XXXX XXXX, 2016 and although I paid it on XXXX XXXX, 2016 I was assessed a late fee the day the payment was XXXX XXXX, 2016. It seems that the late fee should be given on XXXX XXXX, 2016 or there should be a grace period.
Received Workers ' Compensation Via Workers ' Comp Judge Order XX/XX/XXXX ( XXXX  XXXX ) {$10000.00} check XX/XX/XXXX & opened a Bank of America Savings Account on XX/XX/XXXX to acquire multiple accommodations necessary for Workers ' Comp Judge Ordered XXXX scheduled for XX/XX/XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX   daily for 2 weeks. 

On XX/XX/XXXX BOA wrongfully and/or negligently allowed {$8200.00} of these Workers ' Compensation Funds to Levied by a near 10-year old creditor ( whom in the past I've had to acquire Civil Restraining Order Against for stalking and harassing me due to obsession and threatening to shoot me with his gun ) with a judgement. 

Code of Civil Procedure 704.160 Exempts 100 % of Workers ' Compensation from this type of Levy without having to file Exempt ; yet I had to file Exempt on XX/XX/XXXX after multiple attempts to point out unlawful allowance of Levy by BOA Legal Department to no avail even after Faxing BOA Legal Dept. Exempt form filed, details of CCP 704.160, and a BOA Branch Manager calling them on my behalf. Clearly, BOA Legal Dept. Associates are giving me the run-around holding money causing me Dire hardship including having to cancel XXXX & risk losing authorization after over 2yrs of fighting to get it XXXX  XXXX payment necessary for scheduled XX/XX/XXXX XXXX & XX/XX/XXXX XXXX authorized.
I have been getting few calls a week since XX/XX/XXXX of last year from Capital accounts. I have asked them many times that that I do not owe or know of any company by the name of XXXX. I have never lived or been to XXXX. They have failed to validate this account or send me any documents. I have advised them if they represent Open XXXX of XXXX XXXX, then my balance with them is only {$200.00} and I be gladly pay for it, as long as their negative reports gets removed from MY CBR. 
This Company always calls from a Local number but that are not in XXXX nor have any office here in my Home State. Every time I tell them this, they either Hung up or call the next day. I have asked them not to contact me on My Mobile phone, but they still do. I have yet to receive a single document or a letter from them. I respectfully dispute the validity of the debt and the amount.
I had 20 student loans with XXXX XXXX in forbearance. XXXX XXXX and XXXX split and 10 of  my loans somehow defaulted. XXXX XXXX did an investigation and stated they made a mistake but I would need to send certified letter to XXXX to buy back loans. XXXX refused to buy back the loans from XXXX XXXX. So I had NO CHOICE but to do a consolidation with XXXX XXXX XXXX. Now on my credit report these loans are showing NEGATIVELY 120 days late which they were not!!! I have spoken to XXXX and they are unwilling to update the status to NEVER LATE. XXXX XXXX " has no record ''. I filed a dispute with all 3 credit bureaus and they came back " accurate information '' which is not correct. I have ALL OF THESE ACCOUNTS COUNTING AGAINST MY CREDIT!! Please help!! I am asking for the XXXX and XXXX XXXX loans to either change their status to paid never late so they can reflect POSITIVELY or REMOVE them totally from my file. They are paid and closed but still affecting my credit negatively to no fault of my own! XXXX XXXX should have never been on there and would not have been if XXXX XXXX hadn't made a mistake so I am asking to REMOVE that account totally. Basically I have 4 different groups reporting the same monies. My loans are in good standing  with XXXX  XXXX XXXX. I have attached 2 of the 3 credit reports as XXXX is about 30 pages  long. You will see the same account numbers and 20 to 30 accounts for the same monies. This is the biggest hit to my credit score and it's really not fair. I am trying to purchase my first home and this will prevent me from doing so. XXXX 's devious tactics can not continue to ruin people 's lives. After I disputed XXXX started reporting the XXXX XXXX loans under them which had been reporting under XXXX XXXX all this time. Please help and Thank you for your consideration.
On XX/XX/2018 in a good faith effort I sent XXXX XXXX XXXX XXXXXXXX a validation of debt letter ( see attached validation letter ) for an alleged debt that was reporting on my XXXX, XXXX and XXXX reports. XXXX XXXX XXXX   XXXX never sent any mail stating that was a debt collector attempting to collect this alleged debt, I only found out about such debt by review my credit report. 

In the debt validation letter I requested that XXXX XXXX XXXX XXXXXXXX give me the name, telephone number and address of original creditor along with other competent documents that give proves that I owe the alleged debt, XXXX XXXX XXXX XXXXXXXX has not responded to my debt validation letter, but yet still reporting this alleged debt to the credit bureaus.
I filed a report of identity theft with Identitytheft.gov and with the XXXX police department. I have repeatedly informed Exeter of the fraud but, hey refuse to investigate and will not take the fraudulent account off of my credit report.
During the transition of my mortgage service being sold from XXXX to Roundpoint final and first payments between the companies where not reconciled properly. My new mortgage servicer Roundpoint is stating that I am one month behind. After numerous calls they consistently fail to get this resolved. Now I am pass the grace period and am incurring late fees when I have never missed a payment since I bought the house in XX/XX/XXXX. My new servicing date for Roundpoint was effective XXXX XXXX, XXXX. I had already sent my mortgage payment to XXXX for XX/XX/XXXX. I made my first payment to Roundpoint on XXXX XXXX, XXXX and have n't missed a payment since. I have called numerous times to get it straight and they have told me its under investigation. Not XXXX person in their customer service department has helped me. This is very frustrating.
XXXX XXXX has called both cell phone and office phone twice over a debt I received relief from in bankruptcy. The have told me they were a fraud department and arrest was going to happen in XXXX days. The first time I spoke with them I explained that they were in violation of bankruptcy laws. They said they would remove my record. Less than a month later they have made harassing calls again. The number they are calling from is XXXX. It was only after I refuse to give them any personal information did they finally tell me what debt they were after.
I have been working with a consumer financial educational consulting service to improve my credit scores at XXXX major credit reporting bureaus, Equifax, XXXX, and XXXX. In general I have had good service. However, in comparing information from all XXXX bureaus, I noticed a conspicuous absence of XXXX successful, perfect paid, accounts from the Equifax report, that were reported on the other XXXX bureaus. In Equifax 's notes at the end of my report, they say that the number of derogatory account exceeds my successful accounts, AND THIS IS ONE ITEM THAT EFFECTS MY CREDIT SCORE. 
So, moving forward I telephoned each of the XXXX past creditors to inquire if they report to all the credit bureaus. XXXX of these was XXXX XXXX XXXX, and the other was XXXX XXXX. Both lenders said that they absolutely report to the XXXX major bureaus, the fourth being XXXX, and gave me their very strict reporting on the timing of submissions. 
I wrote Equifax on XXXX XXXX and again on XXXX XXXX, and have been ignored on this issue. I know they received my correspondence because I sent the complaint along with other requests for outside verification, which were affirmatively responded to. I quote the letter of XX/XX/XXXX : " EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX ACCOUNT & XXXX UNRESOLVED ISSUE -- -- -- -- - -- -- -- -- PREVIOUSLY UNRESOLVED ISSUE I have previously written you that someone in your bureau has, inadvertently or intentionally, acted to defraud my credit, by deleting histories of XXXX successfully paid accounts. I show them below and verified : I have XXXX successfully paid off automobile loans that should remain on my credit file history for 10 years after the last payment. 
XXXX is with XXXX XXXX XXXX XXXX with never a late payment from XX/XX/XXXX - XX/XX/XXXX. 
The other is with XXXX XXXX XXXX with no late payments from XX/XX/XXXX - XX/XX/XXXX. 
When I noticed the conspicuous absence of your bureau 's reports of these, when viewing a merged credit report, I telephoned both of the above lenders to verify my accounts, and to verify that both agencies report to XXXX MAJOR CREDIT BUREAUS, and of course, yours is one of these. 
I want these positive accounts restored to my credit history as soon as possible. 
Your prompt response is required. 
Sincerely, ''
please find attached the letter from XXXX for which they have approved of the delinquency being inaccurate and are willing to remove the negative mark from my reports XXXX and XXXX have already removed except experian, they are not cooperating, please help this inaccuracy to be deleted from experian report thank you
I am disputing hard inquires on my credit report because this is fraud and does not belong to me. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX
I went to XXXX for free annual credit check today which is oX/XX/2018 about XXXX. I got to review all the reports from all three which is XXXX, XXXX, and transunion. Now the transunion was asking for my credit card number so I gave them my debit card assuming it 's to prove who I am before they give me my information. They charged me {$19.00} twice which is a total of {$39.00} today. I thought this annual report is for free? Why are they charging me? They later email me a number to call but, nobody is there to answer your call.
I have been a Discover credit card customer since 2016 and during this whole time I always paid my bill on time. Because of that payment history they even converted the card from a secured to an unsecured card over a year ago and when those payments are made it takes less than 48 hours to see the credit available on my card. This month I made my payment few days after the due date ( First time ever ), the amount of {$120.00} posted a day later on my bank statement. It also posted on the discover system yet they have not made the funds available. I contacted them to resolve the issue but they were very rude, disrespectful and just refused to assist. They pretty much said that it will post after 8 business days and there is not much I can do about it. I feel very insulted and decided to close this account however i need my payment to post so I can determine the final payoff and take care of everything at once. They are being very uncooperative and nasty for the simple reason that I made one single late payment so they would like to make sure that they penalize their long time customers. This is a very unfair business practice.
Hello, I requested a per-approval letter from XXXX mortgage to buy a home. XXXX Mortage lender XXXX XXXX, pull my credit history without my approval. he told me that he can not issue a pre-approval because he did not have my XXXX forms for the past years. i said my accountant is on vacation and i can not current get them. i asked him to withdraw my application. However XXXX XXXX pulled my credit history and that damaged my credit.
XXXX XXXX appears to refuse to update reporting. This account has been paid in full.
My Husband & I Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served. We Request That Item Be Removed From Our Credit Remove. It Was Not Served To Us, We Are Are Unaware Of This, Plus We Are Unaware Of This {$12000.00} Debt.. It Is Fabricated. Please Remove And Contact Us. Thank You Very Much.
XXXX XXXX XXXX XXXX was paid 2 years ago but Equifax is reporting CO XX/XX/2016 where this account is paid years ago. Please see the attached screenshot. 

XXXX XXXX XXXX XXXX XXXX XXXX is also a paid account but EFX is reporting CO XX/XX/XXXX. This account is paid years ago and there is no new activity like you can see in the screenshot that how other credit reporting agencies are reporting the same account. 

XXXX XXXX XXXX XXXX XXXX is account which was paid 5 years ago but Equifax started reporting CO XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. 

I am disputing this incorrect reporting but Equifax is not correcting this issue and reporting CO in the current month every month on closed and paid accounts.
Hi ... this is in regards to medical collections debts from XX/XX/XXXX or XX/XX/XXXX that show up on my credit report. About 4-5 years ago when i first checked my credit report..i saw these charges and was in shock!! ... I know that i did get medical attention at XXXX XXXX Hospital in XXXX, Ca. ( where i live ) and was covered with Medi-cal Insurance ... ..so i called the hospital to see why I was in collections and they had no knowledge of me getting any bills ... so i called the agency from my credit report and the guy said its from hospital bills and that just because i had a government Medi-cal insurance didn't mean they cover everything ... I asked him why I had never received any bills and he didn't know why..I confirmed my address and I asked him to please send me all the bills. He was very rude and said he would but he never did. I ended up calling my social worker and she did verify that I was fully covered with no share of costs and to call XXXX, Ca where there main headquarters are located because there computers only went back to 4 years..however being on hold for almost 1 hour I gave up. Now I am trying to get a loan for a home and all those fees are showing up and making it very difficult to be approved so my mortgage broker referred me to your organization for help ... please see my attached credit report that was just sent to me from my broker..thank you
Capital one requested a hard inquiry of my credit report on XXXX XXXX that was not authorized or request by me. I tried to contact that company, and they didnt resolved the issue. I lost about 10 points in my credit score.
I RECEIVED THIS LOAN FROM XXXX XXXX WHICH IS NOW NAVIENT. I HAS NO IDEA OF THE CHANGE UNTIL I APPLIED FOR IN SCHOOL DEFERMENT. I HAVE BEEN PAYING ON THIS LOAN SINCE 2010 AND I HAVE MADE NO HEADWAY IN PAYING IT OFF. I ALSO CAN NOT GET INFORMATION AS FAR AS GETTING IT FORGIVEN FROM THE COMPANY ESPECIALLY BEING THAT THE SCHOOLS HAVE BEEN CLOSED DOWN DUE TO FALSE ADVERTISEMENT PROMISING JOB PLACEMENT WHICH I HAVE YET TO RECEIVE 7 YEARS LATER. I WOULD LIKE FOR MY LOANS TO BE INVESTIGATED DUE TO THE FACT THE AMOUNT DOES N'T SEEM TO BE CHANGING AS I CONTINUE TO PAY YEAR AFTER YEAR.
My wife, XXXX XXXX on XXXX XXXX 2016 at XXXX XXXX sent a Western Union transfer XXXX XXXX from your Western Union agent near us at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX. 

I have the customer receipt and the Western Union USA response by XXXX XXXX XXXX XXXX 2016 where you state that this money was paid to the named recipient XXXX XXXX on XXXX XXXX 2016 in XXXX. The only problem is that our friend did not receive this money but was told that the money had already been received in XXXX and then she went to WU in XXXX. She was again told that this money was distributed and that she needed to contact WU USA which we have done via XXXX XXXX XXXX agency taking 3 weeks for a response. 

We asked WU the following, " Please advise what WU - USA / WU-XXXX are going to do about this? You have lots of small details on this document about our responsibility and a lot of information on protecting yourself from fraud on your westernunion.com website but this money transfer was given to someone else and not our friend and recipient XXXX - We asked them the following questions : 1. Where was the money given? What WU branch/bank etc? 
2. What ID was used to show that this person was indeed XXXX XXXX? ( Even if the person who picked up this bank transfer had all of the info, they would have needed to have an appropriate ID identifying as the above person. 
3. What is WU going to do? ( There is a young man who is unable to pay school fees and thus not able to go to high school until this is sorted out. He has XXXX terms left to graduate. 
4. Are there security cameras in your WU agencies in XXXX like the XXXX in XXXX. It seems like it would be very easy to track down date and time to see who was the fraudulent recipient of these funds? " We were told by WU that the case was close because the money had been received. If we wanted to reopen the case, this could only be done by the Police XXXX or the Police XXXX. We have visited the police in XXXX 3 times and our friend has visited 3 times to the police to XXXX. We have been asked numerous times by WU to do their job for them and we have gotten very little assistance from them like we would quit asking where is our money that was supposed to go to our friend 's son education?