WillisBack/dataset-financial-user-claim huggingface dataset:
I first filed for a grant and was given a loan instead. When I started making payments I explained that I am on SSI and have very limited income. I am struggling with my choice as a single parent of XXXX XXXX with XXXX I have to decide to pay rent or pay my loan. I owe a little over {$3000.00} and sadly, only make payments when I can if I can. When I make that payment of possible, I then can't get perscriptions, things my daughter needs, or pay other bills such as electricity. I'm not sure if I qualify for any programs that can help students. I have XXXX and this struggle makes it a not more difficult to either pay rent, buy food, or get other necessities needed. I don't know what else to do and need help.
To whom it may concern : On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Bank ) took me to small claims court and I won a judgment against them. I wrote a letter XX/XX/2018, requesting that they remove all negative items placed on my credit report due to the judgement received against them ... as they are in violation of the Fair Debt Collection Practices Act. They replied that they received the request and they checked with the original creditor and found that their information was correct and wouldn't remove the negative item from my credit profile. I won my case and do not owe the debt and they didn't not remove the derogatory information off of my credit profile. They are in direct violation of the FDCPA. 
I am including a copy of the judgement and response from XXXX XXXX as well as my letter I sent by certified mail.
XXXX XXXX  is calling all day every day, twice every hour on the hour. This is Sunday and I have received calls from XXXX XXXX on. They use an unknown number and they do not leave a message. The only way I knew it was XXXX is because I picked up the phone once and demanded they tell me. First they gave me a fake name.
Navient student loans, on XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX, to studies XXXX XXXX XXXX XXXX, I graduated onXX/XX/XXXX, I was unemployed, and the time Sallie Mae, send me bills to paid them, they place me into a forbearance, since I didn't have money to paid them, I didn't have other choices, just obligated to be in forbearance, and deferment today date, I owned them {$16000.00}, on my students loans .At the beginning on the loans I only owned them {$9500.00} .Today 's date that they advised me, my estimate pay off is in XX/XX/XXXX and constantly, they changes my terms on the loans, plus they keeping adding interest, adding years, too, they place me on forbearance, and deferment, at any time they wanted, without my consent, Im been struggling paid them back, two years, already, and as soon, ( Sallie mae ) change to Navient, they didn't stop calling and harassment, non-stop, and the school, too, calling me for payment, and I didn't have a job, or unemployment benefits, how can I pay them, I explained them millions of times, and they kept calling me. The XXXX, teacher, she never teach us, she only show us, TV shows of XXXX XXXX XXXX   The biggest, mistake in my life is getting in debt, for a education, that didn't teach me anything, but waste my time and energy.
Days prior to closing I received an email from broker stating " prior deals fell thru '' and my application " looked shaky '' and then a prompt request for me to " lend the agent {$3500.00} ''. I now have financial losses due to an apparent shakedown and other bad advice thru the process. Also, the worksheet was estimated at about XXXX and GFE days prior to settlement was {$36000.00}.
I made a payment on the due date of my loan. For some reason, there was a technical issue with the company 's website which caused my payment to not go through. Instead of notifying me within 2-3 days of my missed payment, Great Lakes strategically waited until the XXXX of the next month to notify me, causing me a late fee on purpose. They should be required to notify you within 2 days if you miss a payment. This was caused by their system error, not me forgetting to make a payment.
first after I tried to refi with them the  set 1 paym ent schedule then they tried to withdraw that. as I am struggling to make payments they keep changing the amount due from what they originally said for my fixed rate. over the years they have filed foreclosure and forced me to file bankruptcy 4 times. every other month now since  XXXX    XXXX   they send foreclosure papers out 45 days after a due date and a payment has been made even though it was more than what was set from the last refi. I made the requested payment every month even though it was more than what was set. they are the worst management company. they have service reps in  XXXX  that do not know what is goin g on in the US for days later.
Received credit fraud so I tried to validate the accounts by asking for signed contracts. Ive sent in numerous letters spent hundreds of dollars and neither company has yet send me a document showing my signature within a contract. Ive also submitted police reports that theyve received numerous of times but have yet verified these accounts by signature or contract showing my signature. Ive been trying to get the validation since XX/XX/2017-present and have yet to get a letter other than the computer typed letter that doesnt give me any information regarding my contract or the information I requested.
Huntington Bank accepted via a photo-deposit transaction two Cashier 's Checks, one for {$22000.00} and one for {$7000.00}. Both were written as " Pay to the Order of : XXXX XXXX XXXX ''. Both checks were endorsed improperly, hand-signed by XXXX XXXX XXXX and then photo-deposited into his personal bank account at Huntington. The money was then withdrawn and stolen from the company. Huntington says the checks were " properly endorsed '' and that they did nothing wrong. My research says that Huntington should never have allowed the checks to be processed without a full and complete endorsement by the Company itself, and they arguably also should not have allowed the clearly-worded commercial-payee checks to be deposited into his personal account. Huntington has  come up with all kinds of excuses for justifying their actions but the situation remains that the endorsement on both Cashier 's Checks was never completed in the name of the payee, which should have caused both checks to be refused for deposit. The XXXX makes this quite clear. For its error, Huntington owes the construction company the {$29000.00} that it never should have let through the system.
I am very frustrated with all 3 reporting companies. I pay good money every month to monitor my reports and what I find is that the information and credit score I get is not what a creditor gets when I apply for credit. Why since I pay my taxes and you are in business to stop this bad reporting am I still seeing this. It is your job to make sure there companies report to me the same thing they show potential creditors. Fair reporting should mean I see what they see but that is not happening at all. I know this to be true because I look at my report then apply for credit and with in a day I get a response from the creditor telling me my report does not say what they showed me it said. FAIR and CORRECT reporting should happen ALL THE TIME.
I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX. XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
repeated phone calls from XXXX, XXXX, XXXX XXXX? calling regards to a debt that was paid in XX/XX/2017. I verified that the debt is indeed gone. They know my full social security number. When I questioned them stated will file a federal warrant for my arrest and that I have to go to court in XXXX County where I live ... ....
I paid {$100.00} on XX/XX/2017 which was to pay the XXXX and XXXX payments. After seeing that the XXXX payment wasn't credited properly, I called XXXX. They explained that I made the payment one day too early ( the day before the statement comes out ) so the entire payment was credited to XXXX only. They corrected the status and even reversed the late fee but never updated the credit bureaus. They are still reporting me late for XX/XX/2017. The minimum payments for XXXX and XXXX were {$25.00} and {$53.00} so {$100.00} was more than enough to cover both payments. I did this because I knew I would be busy and out of town and I didn't want to forget about making the XXXX payment.
on XX/XX/XXXX, XXXX XXXX credit card agreed to remove the late payments from XX/XX/XXXX-XX/XX/XXXX. However, im unable to submit a dispute via experian website, claiming i disputed this item in the past. It doesnt matter what was disputed. I can submit a dispute every XXXX days if i wanted to, by law, until incorrect information is removed from my report.
I am writing to request that any and all late payment PNC history that has damaged, and is continuing to damage, my credit score be removed immediately. 

The reason for the late payment was solely due to my lack of knowledge that my mortgage loan was transferred from XXXX XXXX to PNC. All of my bills ( Credit Cards, Student Loans, Car Payments, Mortgages, etc. ) have all been paid in full and on time or before the due date for my entire life - that is not an exaggeration. My mortgage history is no different and was on Auto Pay for many years, in full and always on time. However, when the loan was transferred without my knowledge, the Auto Pay did not transfer to pay the bill with PNC. The main reason that I was not aware of this transfer leading to this unfortunate and unfair situation, is that the only information regarding this transfer was done via physical mail and I was not living at that address at that time. I had no reason to suspect any changes, nor did anyone reach out to me via email nor phone. Nonetheless, once I found out about all of this ( XXXX XXXX, 2016 ), I immediately paid the mortgage with PNC in full and set up Auto Pay with PNC. 

Again, I am writing to request that any and all late payment PNC history that has damaged, and is continuing to damage, my credit score be removed immediately. All of my bills ( Credit Cards, Student Loans, Car Payments, Mortgages, etc. ) have all been paid in full and on time or before the due date for my entire life. It is not fair that this situation should be held against me when it was solely due to my lack of knowledge about the account transfer, and not at all due to my lack of paying the bill. 

Thank you for your time. Please feel free to contact me via phone or email for any follow up inquires and/or if you need any other documentation.
MULTIPLE inquiries on my credit report by XXXX XXXX for an XXXX XXXX XXXX XXXX that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted XXXX XXXX and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! Capital One XXXX XXXX XXXX
This ONLINE PAYDAY COMPANY XXXX XXXX pulled my credit report without my permission. They also hit my credit with hard inquiry. I did not give any permission to them to do so.
I was on a disaster forbearance through the end of XX/XX/2018, for the Thomas Fires in XX/XX/2018. The servicer had a scheduled sale date of XX/XX/18, I called & reminded them I was under disaster forbearance protection & they moved the sale date to XX/XX/18. On XX/XX/18 the president declared my area a disaster area once again, for the Woosley Fires. I immediately contacted Seterus &  advised them that I needed to apply for another disaster forbearance for the current fire disaster. I was told that the request was submitted & that the sale date would be postponed. I was following up w seterus on XX/XX/18, when I found out that the sale date was not pushed & there was no record of my disaster forbearance request. I was told that I would need to submit a Mortgage Assistance Application to be reviewed for the disaster forbearance. I was previously told that under in a disaster situation, the request could be submitted over the phone in order to expedite-however, now I needed to submit the application. I did so on the same day. I am worried that there will not be enough time to postpone the sale & review for disaster forbearance.
I received a letter of Loan Forgiveness from EZCORP for a loan that was taken out in 2012. This loan was included in a Chapter XXXX Bankruptcy. I have received several calls from them and collectors trying to still collect on this loan. I have advised them on several occasions that this loan had been discharged on the ChXXXX Bankruptcy. They assured me that it was n't them that was trying to contact me on this loan. Now I receive a XXXX for this loan. The problem is that this information is supplied to the IRS as additional income. This would be correct if it was a loan that I defaulted on and did n't include in the Bankruptcy. Now the IRS is showing that I have an increase in my income by {$1900.00}. This is incorrect. What are my rights and options to get this taken care of? I have tried to contact EZCORP in regards to this, but I can not get through on their phone lines. I even asked them to contact my attorney but they never did.
On XXXX/XXXX/XXXX, I was told Bank of America 's process changed and they never received notice of my husband 's death. 

On XXXX/XXXX/XXXX, Full Reconveyance recorded as Doc # : XXXX - XXXX states, XXXX XXXX, as successor by merger with XXXX, XXXX, duly appointed Trustee under Deed of Trust dated XXXX/XXXX/XXXX, made by XXXX XXXX XXXX as Trustor, and recorded on XXXX/XXXX/XXXX as instrument XXXX - XXXX in the office of the County Recorder of XXXX XXXX County, California, has received from Beneficiary there under a written request to reconvey and in accordance with said request and provision of said Deed of Trust, does hereby reconvey, without warranty, to the person a persons legally entitled thereto, the estate now held by it thereunder. By : XXXX. Civil, Asst.Vice President. I paid Bank of America in full, and received Full Reconveyance. 

On XXXX/XXXX/XXXX, Bank of America 's letter to me states, Bank of America recently learned that XXXX XXXX XXXX, who was a valued customer, has passed away. Please accept our condolences during this difficult time. Based on the information received XXXX XXXX XXXX has been removed from the statements on that referenced account. Our records indicate that you are jointly liable on the account. Consequently all statements and correspondence will continue to be sent to your attention at the address listed above. If Bank of America 's information is not accurate, please contact us immediately at XXXX so that appropriate corrections can be completed. If an estate is available for XXXX XXXX XXXX, please contact us at the number above or forward and the executor contact information to the following address Bank of America, Attn. : Consumer Deceased Processing, XXXX XXXX. XXXX XXXX, XXXX XXXX, VA XXXX. In accordance with the original contract terms regular monthly payments must be made to Bank of America until the full balance outstanding is satisfied. This payment application continues, regardless of any requests by you or any effort by Bank of America to seek recovery from XXXX XXXX XXXX 's estate. Again, we are sincerely sorry for your loss. XXXX XXXX, Consumer Risk Operations Group. 

On XXXX/XXXX/XXXX, XXXX signed the First Amendment of his revocable trust ( XXXX XXXX Family Trust ) at the XXXX XXXX XXXX XXXX XXXX XXXX. I am the spouse ( not XXXX XXXX ), and sole beneficiary/successor trustee of said Trust. 
On XXXX/XXXX/XXXX, XXXX signed his revocable trust ( XXXX XXXX XXXX Family Trust ) at the XXXX XXXX XXXX XXXX XXXX XXXX.
This complaint is regarding two debt collection attempts from Medical Data Systems. Medical data systems is reporting two open accounts 1. {$1200.00} from XX/XX/XXXX, 2. {$180.00}, on XX/XX/XXXX XXXX, XX/XX/XXXX -XXXX/XXXX. I am disputing this information because I am unaware of where the debts are from, and I have requested debt validation a number of times and they have yet to provide that.I have no signed contracts and have never done business with Medical Data Systems. Furthermore, I receive constant phone calls and even threats from several different numbers associated with this company on an everyday basis. I have had to have several numbers blocked from m
y phone provider because of the harassment. Phone calls continue despite the request to end. Most  recently XXXX XXXX, 2017.
Lastly, this company is not able to tell me how and where they got my personal and health information and I feel this is a violation of my rights.
I have requested Portfolio Recovery to verify a debt they have reported to my credit report and have not gotten any documentation or reponse
I opened up a new Discover It Credit Card Account through a certified Discover link on their website stating {$150.00} bonus after purchase of {$1000.00} within 3 months of account opening.
After meeting all the eligibility criteria, I did not receive the account opening promotion bonus.
Discover is cheating me by saying that there is no such {$150.00} account opening promotional bonus. When asked to provide the proof of the same by pulling the credit card application, they said that they have insufficient information in the system. 

Discover is doing a fraud by prompting them to apply for credit card application and then followed by cheating them.
I have reason to believe Chase engaged in the same type of fraudulent practices as XXXX XXXX. I was a Chase credit card customer. Chase sent me publicity asking me to " upgrade '' my credit card to a Slate credit card in XX/XX/XXXX or XX/XX/XXXX. I ignored the publicity because I preferred the terms of the card I already had with them. Out of the blue, I received a Slate credit card in the mail. Initially, I thought the card looked suspicious and not like a real card. I never activated it, because I had not ordered it, and I did not want to switch from the card I already had. Then I was notified of XXXX transactions on the new card, made in XXXX ( while I lived and was in XXXX ). These transactions were made about two weeks after the card was issued. I called Chase to report the fraudulent purchases and to report that I had not ordered the card. I asked why the transactions had gone through if I had not activated the card. I told them I did not want to use it and either cancelled it, or switched the account to a different card I preferred. The customer service person refunded me the fraudulent charges, but Chase never explained to me why my credit card had been switched to a different card I had never asked for. Also, the customer service person said a card had been swiped at the store in XXXX, although it appeared I had received the card in an original Chase envelope with the standard new card letter. This, and the fact that the purchases happened so soon after the card was issued, and because Chase headquarters are in XXXX, made me suspect insider fraud. I thought the employee who had the card issued to me without my authorization may have made a duplicate of it ( or the one I received was a duplicate ), and he or she used the other card in XXXX. I did not follow up on my complaint about the card being issued without my approval earlier because I had been refunded for the fraudulent purchases and I quickly changed the card to one I preferred, but hearing about what happened at XXXX XXXX, I thought it was my duty to report this to the Federal government to assist in any investigation of Chase Bank that may be undertaken, in case this was not just a single occurrence but a systematic practice. Thank you for considering my complaint.
I received a collection notice form southwest credit stating I owe XXXX. I contacted both parties and received the run around. XXXX said it was equipment charges but I could n't find return receipt. I later found and called southwest and they stated it was a contract fee. We still have XXXX XXXX installed in home so therefore no contract fee should apply. We never received break down of how fees applied we called XXXX multiple times. They assured it was resolved but later sold the debit to southwest collections and they out on credit. My wife got a job with XXXX and we already had XXXX they advised her to add uverse internet. She explained in didnt work in area plus we already had internet. XXXX wanted to combine for employee saving and we already had a house phone under no contract. When she added the internet they merged the full account onto the XXXX platform. The internet did n't work like before and she called to remove but the installer changed the home phone to uverse also. The catch 22 was we could n't have a uverse home phone without uverse internet and no one stated that where changing or a contract was in place to try internet. I had the phone line for years and was levity. Then we end up with this larger bill over contracts we never knew about. They Fraud ed us because we already had XXXX and we already had home phone. To resolve the ended up disconnecting our entire accounts because the rep merged it into combined billing so when they tried to remove the internet it disconnected everything prompting a contract charge. They finally sorted it out we have XXXX under a new account because they counted reactivate our old account and give back our promo due to disconnection and combining with uverse. We do n't owe XXXX anything. They explained it was uverse equipment fees and I have a reciept from ups tracking # XXXX under XXXX XXXX.
XXXX XXXX has failed in correcting all 3 credit bureau 's pretaining to my mortgages.they have lied and lied over again since XX/XX/XXXX one month after I had the U.S. bankruptcy court in XXXX XXXX XX/XX/XXXX to re open my bankruptcy case of my reaffirmation that the judge made them sign and file by XX/XX/XXXX XXXX has only reported to XXXX  reporting agency.they lied about reporting payments to Transunion, & XXXX.these reporting agencies and I have been discussing this issue since XX/XX/XXXX is when XXXX XXXX was ordered to start reporting my payments and add my mortgage payments back onto the tradeline.XXXX has cause me a great deal of mental stress and they need to be seriously sued in a court of law.XXXX XXXX knows I'm trying to refinance my home in XX/XX/XXXX and they are blocking this from happening with another Lender ... they need to be seriously fined by the CFPB.as soon as possible.they are big Lyers.