WillisBack/dataset-financial-user-claim huggingface dataset:
I had a car repossessed in 2009 by XXXX. I went to court and settle with there lawyers and paid in full the settled amount. This judgment is and has been paid in full and has been removed already from my Transunion credit report. I would like the judgement removed/deleted immediately off my account. This happened back in 2009 and this judgment is still being used against me today when getting things that require good credit. I have taken the necessary steps to fix the financial issues I had back in 2009 and it has been 7 years since repossession. I am a member of the XXXX as well in finances and it looks bad against me when I am moving places and some jobs in my XXXX require credit reports and this info is till on there. I have maid contact with XXXX over the issue and they recommended disputing the judgement and they would then remove from my account once approached through the dispute process. Please help me out
Since 2010, on numerous occasions I have disputed a bankruptcy being reported by Equifax on my credit profile. Each and EVERY single time, they 've responded " verified ''. And EVERY single time I asked for what 's known as a Method Of Verification, I 'm simply told to contact the court on " record ''. On several occasions I 've spoken with court officials over this so-called bankruptcy and they verbally confirmed what I had already assumed ; Equifax NEVER, NOT ONCE " verified '' any such bankruptcy with the court. And as such this reporting is illegal according to the FCRA and NJ State Law and needs to be deleted. Please refer to my notarized letter addressed to the court and their certified response. I look forward to Equifax 's response via CFPB for the record as I contend that Equifax 's policies allow them to BLATANTLY LIE to consumers and the authorities that govern the FCRA.
I have Citibank credit cards for more than 9 years! I did not have ANY OUTSTANDING balance. I NEVER paid late and I NEVER paid any interest!. My crediting score is XXXX! 

The Citibank simply closes my Citibank credit card without EVEN ANY intimation! I am very puzzled as well on my abrupt and sudden closure of my Citibank card by Citibank!! Citibank did not even INFORM me as the customer of Citibank that they are going to close my account!! 

This uncivilized act by Citibank is absolutely UNACCEPTABLE!! 

Is Citibank simply desperate to EXTRACT interest from their customers and make money? If their intent as well as interest is NOT met then they simply conduct this kind of uncivilized act?? 

Please HELP! 
XXXX XXXX
dispute the information in the credit report. 
The letter they sent was to a postal address of a XXXX XXXX in XXXX XXXX in which I no longer receive postal correspondence because I do not live in XXXX XXXX. Currently, I am living in the state of XXXX about two years ago, so I did not know about the letter, but after the payment due date of the loan a relative who received the letter addressed to my name in XXXX XXXX could not send me to XXXX the letter from XXXX, because XXXX XXXX for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.
I received a " Notice of Bank Levy '' in the mail today from XXXX XXXX XXXX, XXXX claiming they are the trustee on a levy against my accounts. 

I contacted the number on the letter and the person who answered couldn't or wouldn't provide my any information about this " levy. '' He kept asking if I tried to resolve the debt. 

I asked what should be simple questions like which court they filed this action in and he refused to answer. 

He asked for a contact number for their " legal department '' to get back to me. 

I never had a loan or account with XXXX XXXX XXXX
My account on XXXX has been temporarily suspended and there is no sign of them opening it. My bank reversed a transaction and it had locked my account down. I 've contacted coinbase several times and this issue has went unresolved and unanswered. I sat on hold one night for 2 hours just to be told that it was escalated and have a nice day. Since then, I 've not received one response back. On XX/XX/XXXX I asked about a {$300.00} transfer that was sent to binance by myself, but never showed up. Case # XXXX and that went unresolved. 
XX/XX/XXXX ( # XXXX ) was when the account locked down and I also have $ 300+ in there. I 'm been removed from the {$600.00} I put in it between the transfer to XXXX that did n't go, and the other half that they are holding hostage on there exchange. 
Case number # XXXX Case number # XXXX follow up from call, still no action. 
# XXXX. Final reply no resolution
I received a copy of my credit report and there are items on my credit that are not mine. I didnt even know anything about these until I was not offered a job because of these items on my credit Please have these removed. XXXX XXXX XXXX XXXX/NA ( acd # 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  and XXXX XXXX XXXX. I reached out to my local XXXX and the XXXX.
Instead of putting extra money I pay each month towards my principle to lower my loan they continue to add it to a future payment. When I called, the service center is outsourced, specialist said to the let the loan ride a few months without payment ( even though I pointed out that would mean Navient is still collecting interest those months ). Asked to speak to a supervisor and she told me the same thing, said she could n't help because I had impeccable payment history. Requested through XXXX messaging and email a phone number for someone I can speak to regarding fixing my loan payments, and get referred to the outsourced number and now being completely ignored. 

What I am trying to do is send all extra funds to principle instead of future payments, I do not want to pay ahead ( advance payment counter ). I would like them to go back and reapply all extra that I have paid the last six plus years to the principle. This can be done, multiple former employees said if I ask it can be done and that Navient counts on people to pay the loan ahead to keep interest building. I would like this corrected for my account.
Last year I have been getting calls from banks unpaid accounts never did business with themI had credit cards with one bank I found that they have been used by someone not meI have been sending letters to Truns Union asking to delet the accounts all they gave methe run around sent them 3 letters in 4 mouths run around.
I have been paying on time since XX/XX/XXXX. My last payment was accepted XX/XX/XXXX as XXXX was transitioning to XXXX. Now that XXXX is servicing my loan I can not log in, and the system is not recognizing my social security number. I can't access a human being on the phone line because, again, the system isn't recognizing my social. I necer received any email from Conduent after this initial email from XXXX> Here is the last correspondence I received regarding my loan : Dear Borrower, This is to notify you that as of XX/XX/XXXX XXXX XXXX XXXX is no longer servicing your Campus-Based Student account ( s ). You should have received notification from your Lending School and/or the new servicer with your new contact information for this debt. 

If you have not received notification regarding a new servicer for your account, please contact your Lending Institution directly. 

Sincerely, XXXX XXXX and XXXX XXXX XXXX XXXX
Thank you again for helping me resolved my property issue that i do legally have the privilege to own but my bank Ocwen loan servicing LLC would continue to lie and cover up their illegal forclosure on my property that i purchased in XXXX i have faxed you my legal notarized documents of my payoff letter my reconveyance also the Attorney XXXX XXXX XXXX, also known as XXXX he has never worked with me on my issue with ocwen he poped out of nowhere after i diligently asked ocwen since XXXX to quiet my title by putting me back on my title they refuse to do so they continue to push me away with their lies and fraudulent behavior even attorney general XXXX XXXX sued ocwen who is homewardrresidential, and American home mortgage servicing all fall under ocwen, ocwen illegally forclosed on my home i was apart of the national ocwen settlement whose home was illegally foreclosed on by Ocwen in XXXX. XXXX ocwen attorney our liars the first attorney XXXX has left the company and now XXXX XXXX. XXXX has just left the company and Ocwen ombudsman dept. XXXX XXXX is telling ocwen staff not to talk with me please help me stop this bank.
XXXX  XXXX, Hurricane Harvey hit the XXXX area and flooded my home. I was not able to get in contact JP Morgan Chase since I lost everything. During the month of XXXX, I was able to start contacting creditors including JP Chase. Thats when they notified me that account was now close and will not be able to open up. The customer service rep notify me that there was nothing to be done and it will sent to collect. " saying i don't care if you were hit with a hurricane, you owe chase money! '' I still tried talk to several customer service reps and the same answer. Please do something.
" double tagged '' on my credit report ... .Collection Associates has XXXX collection accounts listed on my credit report, all of which I owe and I am paying, the " public record '' on my credit report is the same XXXX collection accounts that are listed, and undisputed. That is double reporting, and totally should not be legal. The XXXX collection accounts should be removed, as the public record can not be.
I APPLIED FOR A LOAN WITH WHOM I THOUGH WAS US BANK I WAS TOLD THAT I WAS APPROVED FOR A PERSONAL LOAN OF XXXX HOWEVER TWO DAYS LATER THEY CALLED AND TOLD ME THAT I NEEDED TO PAY CREDIT LIFE INSURANCE OF XXXX DOLLARS WHICH I SENT TO THEM THRU XXXX TO XXXX THEY TOLD ME THEY RECEIVED THE MONEY FOR THE CREDIT LIFE, BUT THE STATE OF MICHIGAN PUT A HOLD ON THE LOAN AND STOPPED THE LOAN TRANSFER, AND THEY I NEEDED TO PAY XXXX FOR THEM TO TAKE THE HOLD OFF. I PAID THE XXXX. XXXX ALSO TO XXXX XXXX, THEN THEY CALL BACK AND SAID THAT THE HOLD WAS NOT REMOVED AND THAT I WOULD HAVE TO PAY FOR XXXX FOR A ATTORNEY TO HAVE IT RELEASED. AT THIS POINT I TOLD THEM NO THAT I HAD NEVER HEARD OF ANYTHING LIKE THIS HAPPENING TO RECEIVE A LOAN. I TOLD THEM AT THIS POINT THAT I WANT TO USE MY RIGHT OF RESCISSION AND CANCEL THE LOAN REQUEST AND TO SEND ME MY MONEY BACK. THEY TOLD ME THAT SOMEONE FROM ANOTHER DEPTARTMENT THAT HANDLES THAT WOULD CALL ME BACK IT 'S BEEN OVER A WEEK AND NO ONE HAS GIVEN ME A CALL. THE LOAN OFFICE THAT I SPOKE WITH SAID THAT HIS NAME WAS XXXX XXXX XXXX LINE XXXX, XXXX THEY ALSO TOLD ME THAT THEIR WEB SITE IS XXXX
I opened a credit card account with XXXX XXXX XXXX  on XX/XX/2018 in order to increase my credit score. Obviously I used it responsibly and paid it on time every single time, they even increase my credit amount from {$300.00} to {$450.00} in just one month. On XXXX I enter the iphone app and change the account to make payments from, and then a week later I noticed a " past due '' remark on the app ( did not receive a notification ). Supposedly, it was because of an error on the account information, which I verified and was correct. Tried to submit the payment again, and received a call a week later ( on XX/XX/2018 ) that my account was " past due ''. At that moment I authorized the representative to withdraw the " past due '' amount from my account ( the same one with the " error '' ) and he confirmed that the payment went through. I even authorized the remaining {$91.00} to be paid a week later as an automatic payment by the same phone transaction. All of the sudden and without any kind of notification my account was closed. I noticed because XXXX XXXX gave a notification. Today ( XX/XX/2018 ) I received a call from XXXX XXXX, again, about an error in my bank account ( after they closed my account without notification ), and I proceed to make the full payment with my debit card XXXX the one from the same bank account ), an option that was not presented to me before. Then I asked the operator to transfer me to the appropriate person to correct the information reported to my credit, as the account was closed by the credit grantor, and my credit score dropped 50 points, again without notifications, and not because I was not willing to pay, which was never the case. They even closed my access to my account over the internet or the phone app. I tried to find a way to fix this, and the ONLY option they gave me was to send via mail ( not email ) a letter from my bank verifying the account ( the same one I use to pay all my bills ), and he also said that it will take 7-10 business days to process this after they receive the letter, and that a separate dispute letter needed to be send to another department. And, I need this to be fixed right away, because of my credit score drop, and because it is all due to their lack of communication with me.
SPS Loan # XXXX XXXX XXXX XXXX, XXXX CA XXXXSPS has never offered the homeowner any alternatives to foreclosure, and is refusing to entertain the possibility of a short sale. There is an upcoming foreclosure date and we have submitted a short sale package with an offer. We are requesting the auction to be postponed and allow time for short sale review. 

1 ) Valuation fraud XXXX all properties with SPS are mysteriously {$75.00} - $ XXXX higher valued than market value when a file is submitted. NO ONE hired by SPS has been in this property recently to review the homes value. 

2 ) SPS violated that Home Owners Bill of Rights in California and likely violated the agreement that the Keep Your Homes California loan placed on the property. The home owner applied for and obtained federal money from the Keep Your Homes California program that was paid to bring this loan current. The initial default on the loan was due to her husband passing away. Once the money was received to bring the loan current, a further hardship was realized when she was laid off from her job. At no time has SPS attempted to reach out to her and attempt any type of workout. 

3 ) As we have come accustomed to .... We expect that the CFPB will get the form letter canned response from SPS that we have seen over and over again. If the CFPB tracks SPS ' response they will notice that they are all exactly the same .... it is interesting that at no time did SPS comply with California 's Home Owners Bill of rights. I also find it very interesting that on ALL of our files with SPS we have had to file CFPB complaints to get them to work on them. We have been told by employees in your company that you are extremely understaffed ... which raises the question ... is SPS simply a foreclosure mill in violation of state and federal law ( as well as defrauding their investors -- which they are doing ). Only giving cash for keys instead of doing a work out is a great way to not have to hire employees to do work outs ... I will hand it to SPS, they believe that they have found a way to circumvent both State and Federal Mandates -- - I would request that the CFPB pull all servicing and correspondence records on this file ... We will be happy to submit address and loan numbers for all of our current and past SPS files to help build a case against SPS. I am sure that if the investors ... who by the way end up paying cash for keys offers to the home owners, would be appalled to know that SPS continually violates State and Federal Statues that may one day result in increased losses to them. I also find it odd that SPS is the ONLY lender that we are current having this issue with non-compliance with State and Federal laws.
I have use Speedy Cash SC before for short term payday loans ( XXXX ) XXXX. The last loan I had with them was in XXXX of XXXX. I had the loan deposited into my XXXX XXXX Account but i paid the loans using my XXXX debit card so it was done automatically on the XXXX of the month. Recently, I logged into my account and noticed I had XXXX debit card payments to Speedy Cash on XXXX/XXXX/XXXX for XXXX and another on XXXX/XXXX/XXXX for XXXX. I called the company and told them I had not taking out a loan in several months so I was not sure why they had those debit payments. I called my back and filed a claim for unauthorized account activity. They said I had to follow a police report and make a copy of my photo ID to recovery funds. I believe someone accessed my information without my consent and used it fraudulently ; I had no prior contact before this time from Speedy Cash in regards to money I owed or new loans as I paid the last loan off in XXXX.
Navient has never sent me information I constantly am giving them update information that they never update and they never send me any kind of proof that I paid anything and they also never send me the interest that I need for my tax refund every time I call them they are incredibly rude and obstructing obstructing and say that they 're gon na do one thing and they never do it. It has been incredibly frustrating. Constantly tell me i am behind, yetnever sebd a payment schedule nor proof of my payment. Automated number hags up on you.
Most recently I have verified that the student loan for my son with  XXXX   XXXX  wa s actually a private Tuition Answer loan which I, the par ent was the borrower. This loan was signed for  XXXX   XXXX ,    2005. The problem is my repayment period ( principal and interest ) has NEVER begun, so for the past 12 years, all payments have been for INTEREST Only. The promissory note states " the repayment period will begin on the day after the Interim Period ends. The Interim Period will end 4 1/2 years after the Disbursement Date. '' The follow on problem is I can not   get approved for my son, the co-signer to be rele ased from the loan until the outstanding {$4300.00} in interest is paid while the original loan of {$43000.00} has not been affected. In addition, the interest that has been paid is not eligible for deductions on income  XXXX   Release for co-signer is the borrower making 12 consecutive principal and interest payments without lat e fee penalty and the borrower 's credit being checked. They have no idea if funds are being paid by myself or my son. Not withstanding,  XXXX   XXXX  's failure to begin the repayment period is a breach of contract to the promissory note.
I had been paying on my student loan by automatic deduction beginning in XX/XX/XXXX. In XX/XX/XXXX I learned about public service loan forgiveness. I then transferred my loan to the Dept. of Education to be eligible for loan forgiveness in the future. When I spoke with a counselor over the phone explaining that I was making this transfer to be eligible for student loan forgiveness she suggested that I choose a repayment plan. I asked her which one was appropriate and she advised me which plan to choose. The repayment amount was less than what I had been paying. I chose this plan based on her advice and began making payments by automatic deduction. In XX/XX/XXXX I called Mohela, the loan servicer, to ask a question about loan forgiveness. That counselor advised me that my repayment plan was ineligible. She suggested a repayment plan that WAS eligible and I chose it and again began making automatic payments. The payment amount was consistent with what I had been paying originally. 
In XX/XX/XXXX I called Mohela with a question about the status of the public service loan forgiveness program and was informed by them that my repayment plan was ineligible. They suggested that I transfer my loan to the Federal Loan Servicing Program. 
Today, XX/XX/XXXX, I received an email from the Federal Loan Servicing Program informing me that my repayment plan was ineligible for public service loan forgiveness. They informed me today that I must choose a plan that is hundreds of dollars per month more than what I am already paying. After ten years of these payments, I will be eligible for loan forgiveness. In ten years I will be seventy-five years old. 
Had I not been misinformed by Mohela on two occasions since XX/XX/XXXX I would have been making eligible payments and be able to apply for loan forgiveness in XX/XX/XXXX. 
I hope there is a way you can help me rectify this.
In XX/XX/XXXX we had a conversation with XXXX in the recovery department. She discussed a loan account that fell under the bankruptcy law. We told her that we filed bankruptcy and it was discharged XX/XX/XXXX. She still tried to help us make a payment. When we called to make our loan payment of XXXX we were transferred to her and she took the payment. Our regular payment bounced because she sent a payment through of XXXX on XX/XX/XXXX which is the entire loan amount. When we tried to get the issue resolved by the department supervisor and a manager we were told that the issue was going to be resolved. Two days later it posted again. On Saturday I had to get help from the credit union ( a stop payment ). I have assessed fees for that and the returned payment. The supervisor told me that he wasn't sure why our credit union let the payment go through if there weren't funds available. They also sent us a check in the amount of XXXX which we returned. Yesterday I got a letter stating they tried to take the funds again and we need to submit a payment because there was a stop payment on that amount. They are still going by bankruptcy information from XXXX. I was told by XXXX today who also refused to let me speak to XXXX XXXX who I was advised to speak to directly. This has to stop because we don't have that amount for them to take. This letter also shows that they violated the bankruptcy law because the date they last made contact was in XXXX well before the limit of the bankruptcy law would have ended.
when     XXXX   XXXX   gave the  XXXX  business to  Citi ca rd, we believe they issues a card for the wrong number or they sent the wrong card or some  one  in the company is collaborating with the criminals to create a new account under my name but a different address ( have all the documentation ). After several months citi Silently closed the account and gave it a new account number and want to make me responsible for the debt My identity is compromised due to their negligence and we have been fighting and calling to find out how it was created and who was responsible and no body dare to say any thing except promising to take care of the debt. After several months of going back and forth we received an email that states they are wiling to give us {$21000.00} credit and few weeks later they send my name to their recovery department in  XXXX   XXXX  where they could not even understand our problem and resolve the issue.
The bank for my small business reorders transactions in order to be able to charge overdraft fees of $ XXXX- {$36.00} each. The option for 'overdraft ' protection is only offered if we go into the branch office although every other service is offered online. The fees we have incurred in the last 45 days have been approximately XXXX even though according the banks own accounting there were sufficient funds to cover the withdrawals.
On XXXX XXXX, XXXX I sent Vance & Huffman a letter in which they received on XXXX XXXX, XXXX disputing an account on my credit file. I asked them to send me the XXXX XXXX, and promissory note along with my wet ink signature and they have failed to provide me with that information as well as they have not put my account in a disputed, nor have they verified the status per 15 U.S Section 1681i ... This account also has missing and inaccurate information listed which is in direct violation of the FCRA..