WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion and XXXX XXXX XXXX with no successful resolution. XXXX and TransUnion only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX XXXX and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX and XXXX that the debit was valid and would remain on my credit. XXXX  removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.
I disputed hard inquiries on my Equifax Credit Report two times and Equifax responded saying they will not investigate and for me to contact each company that pulled my credit directly. It is Equifax responsibility to validate/investigate the information with these companies, but there is a lack of responsibility on there part.
Debt amounts are not accurate when attempting to make payment. Further ; agency will not allow me to make a payment
Consolidated loans after graduation XX/XX/2016. Had set up up automatic repayment options. Thought they were taking out payments. Every month I would sign into Navient and try to make a payment however the monthly statement said XXXX for nearly a year I struggled to get them to accept payment. This caused interest to accumulate on my account that my whole payments were being applied to interest. I made several payments where 100 % of my payment went to interest nothing to principle bc they have XXXX statements. Still my statements claim I owe XXXX. But after confronting them, they finally started automatically applying my XXXX payment to my account. Total Ive paid in extra on interest because they would not accept payments. Then randomly they finally autodrafted the payments that I had been requesting to come out. This has resulted in capitalization of interest that I tried to to not have happen. Its wrong that they have been allowed to steal nearly XXXX dollars in interest because they refused to allot account balance. Ill be paying off student loan debt longer because of these miscalculations on their part.
I have been dealing with gm financial since the inception of my loan. We did get behind on our loan and have brought it up to terms as agreed apon. But they have refused us access to look at our account stating we do n't need to do that. They also still giving me a hard time want to charges fees to pay my car note. I feel that in not allowing me access to view my account and charging me fees to pay loan is illegal. They give me no proof I am paying my car loan. They are also said they do not need abide b y US regulati ons since they are in  XXXX .
I graduated in XXXX, when I started repaying my loans I realized I couldn't afford it. I made several calls in XXXX to try and get this managed, my monthly payments were lowered enough for me to afford temporarily. I ended up deferring my loans. I had a hard time getting approved for continued deferment despite being employed under full time hours and still being unable to afford the payments they were asking for. I was charged several late fees when I was trying to get them back into deferment and was told that I couldn't continue deferring them because of my employment status, even though I still qualified. I was never offered alternate repayment plans when I was on the phone with them. I tried to talk to someone about consolidation in XXXX and they gave me extremely confusing instructions and basically told me to figure it out myself ( which I didn't till later ). I can not afford $ XXXX a month for 300 months with XXXX children to support. This is absolutely absurd that they wouldn't work with me to try and get a realistic payment plan together or tell me about the public service loan forgiveness. I also find it interesting there is no access to billing history online, I think it's probably a convenient way to hide overbilling when my loans were out of deferment. I eventually gave up trying to get in touch and work anything out. My loans are still in deferment due to my employment status, I don't know what I will do when that changes and I have to try to get them to give me affordable payments.
I have automatic credit score updates on my credit card account and one day XX/XX/XXXX, this debt appeared from enhanced recovery corp. 
I disputed it with XXXX and they said it will stay due to info they received. Assuming at this point, maybe I would be contacted about this debt I waited a couple months but received no letters or anything else. 

I disputed this again just a XXXX weeks ago and was told by XXXX that my claim is frivolous and it would remain. This time though I received some contact info about this collection agency. 

I have not tried to call them because of all the horror stories on the consumer complaints website. 

It was recommended that I start here first. Can anyone help me with this.
I HAD A CAR LOAN THAT WAS ALWAYS AND STILL IS CURRENT, BECAUSE OF PARKING TICKETS THE CAR WAS TOWED BY THE CITY OF XXXX.THE CAR LOAN HAD ALWAYS BEEN CURRENT.IN ADDITIONAL TO PAYING THE TICKETS I HAD TO PAY XXXX FOR A VEHICLE LIEN RELEASE,XXXX FOR AN ADDITION STORAGE FEE AND NOW I AM BEING BILLED XXXX ADDITIONAL DOLLARS FOR A REPOSSESSIAN FEE.THE CAR WAS TOWED FOR PARKING TICKETS, THEY AND THE GARAGE STORAGE FEES WERE PAID THE SUBSEQUENT XXXX XXXX AND XXXX ARE FOR NOTHING, I I WANT CAPITAL 1 TO REMOVE THE FEES OF XXXX AND REMOVE ANY REFERENCE TO A PEPOSSESSIAN.
1. We are a licensed Money Transmitter in the state of FL. 

2. We deposited checks at our BB & T account in XX/XX/ in the amount of XXXX XXXX. Each of these checks has : a. fingerprint of the original owner of the check ( person we negotiate the check from ) b. FL unexpired driver license number of the original owner. 

4. The bank sent us certified letter dated XX/XX/ ; postmarked XX/XX/, that we received on XX/XX/. 

5. The letter states that our account will be closed in 10 days. 

6. As we tried to removed the funds from the account, we realized that the bank placed a hold on the account, scheduled to be released on XX/XX/. 

7. When we contacted the bank on or about XX/XX/, the account was already closed and the bank has since refuse to give us our work-like-a-slave-made money. 

8. At the time of closure, the balance in the account was {$13000.00}. 

8. Since everyone knows that this nation has a history of stealing what is NOT theirs : as they have done to the indigenous people after SLAUGHTERING them and to the poor XXXX people from XXXX and subsequently sent their descendants to jail, they are trying to steal our work-like-a-slave-made money. 

9. The only way they will be successful in doing so, would be to kill us, just like they have killed the XXXX to steal their land and technologies. 

10. Since the bank has attempted to steal our work-like-a-slave-made money, we have NO intention to go any where near any of this bank branches. 

11. We just need our work-like-a-slave-made MONEY, period. Otherwise, come and kill us so that you can steal it. 

12. These people have grown up with crimes in their blood. It is NOT easy for them to stop being criminals. They are the TRUE terrorists.
I called the number I found on my credit report and it just played music for  XXXX  minutes.  ( Collection to Deville Management  #  XXXX  {$1800.00}  XXXX  ) I have no record of this debt. I have no idea where it came from or what it 's for. I can not contact anyone to find out more information.     I have no documentation to send you, because I 've never received any.
I sent request for information, about escrow received in the amount of {$890.00} to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 

.pdf # XXXX # XXXX # XXXX
Three disputes were submitted to Experian and before they could even re-investigate the disputes that have been disputed before, they come back within an hour and said the information on these particular items are accurate and up to date. NO IT ISN'T!!! The two companies in particular, XXXX XXXX XXXX XXXX and a regular XXXX XXXX are lying on the credit report. When this company was contacted, they couldn't give me any information on these accounts but for some reason, they are giving false information to Experian as well as XXXX and XXXX. This is pure fraud XXXX XXXX is committing and Experian rushed to judgment and is deciding to believe the company instead of really digging into the information. According to an attorney that I spoke to, XXXX XXXX XXXX XXXX and the regular XXXX XXXX account should be removed once and for all. These three credit bureaus have until the end of XXXX, 2018 to get these particular items removed or I will have this particular attorney contact them.
In XXXX 2016 OCWEN posted Keep Your Home California funds to my account. My home loan payment was supposed to change from {$1100.00} to {$820.00} according to the Keep Your Home California recast. I was told this recast was not optional. I signed the document OCWEN sent to me months later in XXXX 2016 even though OCWEN did not include a return envelope. I used the address on the document and took a photo with my iphone and sent a copy to XXXX XXXX at OCWEN so he would know what address I sent the notarized document to. OCWEN did tell the Department of Justice that they did not receive this document and yet they made no effort to send me the document again and would not return my calls and emails regarding the fact that I needed an envelope. I had to try to remedy the situation without any help from OCWEN. They are non-responsive at this time.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get this item off my credit report so I can move on with my life. 1. XXXX XXXX ( Transunion and XXXX )
extremely high interest. they offered a very high interest loan and continue to e-mail me every other week with an " offer '' and it 's always much higher than before.
Equifax had a split file on me and when they combined the file finally my credit score was XXXX points there has been no changes to my credit report and because I complained they had decreased my credit score by a 100 points that is not right they should not be able to do that there has been no changes to my report since they combined my report except the complaint now they will lie to us and say anything
I disputed XXXX accounts with equifax. the accounts were XXXX from XXXX. equifax reported : We have verified that this item has been reported correctly. We have verified that the last payment date is reporting correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. We have verified that the date closed is reporting correctly. how can they verify those items above when my documents prove otherwise. its like XXXX and EQ dont care about the consumer. EQ will just go along with what ever XXXX says. 
but they did not verify account history with status codes and late payments. they did not verify that i had a veteran XXXX discharge on XXXX XXXX XXXX and was XXXX on XX/XX/XXXX by SSA . thus they are not verifying all info on tradeline and saying the account stays on credit report due to lack of their own verifying of whole tradeline the payment history is wrong. and saying transferred to government. when the loan was discharged the loans were still with XXXX. i have disputed and disputed with the CRA 'S and XXXX yet they keep reporting the same wrong info. equifax has many pages of documents i uploaded proving my position. yet they dont verify all info on the accounts,. these XXXX accounts have already been deleted on experian. how much XXXX and frustration do i have to deal with on these accounts. i feel like equifax and XXXX are in collusion on this. i an XXXX XXXX with XXXX, XXXX, XXXX. its hard to fight these guys over and over. you will see the account numbers are different from experian to XXXX to equifax. i have uploaded the EQ dispute result and the EQ full credit report
I have been in close communication with XXXX XXXX  regarding the reporting and detailed erroneous information that has been applied to my personal credit report for XXXX XXXX, Equifax, and XXXX. I have received written information from XXXX XXXX  stating that they are no longer reporting ANY negative information on my personal credit report for the XXXX XXXX Credit card, XXXX Credit Card, and XXXX XXXX XXXX XXXX credit card. After receipt of this letter from XXXX XXXX, I submitted a dispute with XXXX XXXX, Equifax, and XXXX to have these accounts removed from my report as the information is no longer valid. XXXX XXXX, Equifax, and XXXX   completed the dispute within 10-15 days by only UPDATING the accounts to show as CLOSED and not DELETED. This information could not have been accurately investigated by XXXX XXXX, Equifax, and XXXX  within this amount of time and this resolution is completely inaccurate.
On XXXX/XXXX/XXXX, I went to XXXX. I requested my credit report from Equifax. After I entered all the relevant information, including answering detailed multiple choice questions ( which required XXXX minutes of research ), the system told me that Equifax was unable to give me my report online. I would have to send them a paper form in addition to copies of government documents by mail in order to get my credit report. I do n't believe this is the level of commitment to transparency that Equifax has signed up for.
On XX/XX/2018 I used my credit card to rent a car through XXXX XXXX XXXX XXXX. This is my second occurrence of being over-charged by XXXX. However ; on this occasion XXXX customer relations promptly addressed the matter after previewing my filed complaint and the invoice and subsequently credited my account {$44.00} from the originally charged amount of {$110.00}. Which meant my actual bill totaled {$100.00} and the matter was closed due to the amount being paid in full. 
I in this same timeframe disputed the charge with Capitalone my credit card issuers, who upon receiving documentation from XXXX credited my account {$100.00} which I never used for any purchases. Since this charge my monthly finance fees have eaten up this provisional credit. I have asked Capital One why they didn't just bring my balance back to XXXX after discovering the credit from XXXX and seeing that in fact the actual amount to be satisfied had been paid in full which was {$100.00}. Secondly, customer relations representatives made notes on my account reflecting my conversations and the supporting documentation I personally provided via my email address : ( XXXX ). 
It appears to me that by consistently placing this purchase as a recharge every month they can continue adding excessive fees and increased monthly payments which I think is bad business practices. Lastly, no matter how successful I am in paying my credit card on time over the past 8 years I have never qualified for a no interest credit card with no annual membership fees. I believe this is a factor in this current matter.
My mother and I bought property together and I also had martial home which was not my mothers. Wells Fargo foreclosed I 'm property that I did n't given permission to use. This property was part of a divorce settlement dispute and XXXX lower had no right to property. XXXX XXXX of XXXXr was loan officer I believed he fudge paperwork and committed some type of false information which in end result made my mother lose all her property 's it should have been exempt from taking mine
CONTACTED EMPLOYER UNDER NON LEGAL NAME, BELIEVED TO BE A SCAM, ALL CALLS WERE TOLD TO CEASE FROM ALL NUMBERS, THEN CALLED AGAIN IN 30 SECONDS
I logged in to my Banana Republic credit card management portal ( XXXX XXXX ) to see how many points I have to purchase new clothes and it says that my account is closed. I just made a large purchase last month and paid it off in full and have never been late. They closed my account for no reason given and without contacting me first. Everyone should cut up their OldNavy/Gap/Banana Republic cards because Banana Republic does n't want the benefit of the sales from these cards or what? BR needs to get rid of XXXX XXXX. I ready tons of complaints that they are just canceling cards left and right for no reason. Blaming it on inactivity ( which really means, not carrying a balance often enough ).
I am receiving between 5-10 calls a day at all times of day and night, during work hours, at night during dinner time, weekends, on XXXX during church service. When trying to communicate with callers, I am shamed or blamed for preexisting & new medical issues and confitions that prevent me from working and having a steady income.
My loan was purchased by Ocwen from IndyMac mortgage co in XXXX, since that, my monthly payment is going up and up. 
XXXX show that it was -- -- -- -- -- -- - {$670.00} in XXXX when they purchased my loan XXXX show that is should be {$710.00} for the XXXX/XXXX/XXXX yet they posted it in my account to be {$760.00} and I paid {$760.00}. 
XXXX show another increase just within few week of receiving the $ XXXXmonth increase to {$770.00}.
American Express has removed XXXX reward points from my account without explanation and refused to give me any information on why they have done this and what I can do about it. I registered a complaint with them about this and disputed the {$450.00} fee they charged me for signing up for the card and the XXXX point bonus, but they have closed the investigation without further information on the status of the points. As things stand, this is classic bait-and-switch, in that they enticed me with the reward points and then withdrew them.
This debt is an old debt back from XX/XX/XXXX that I have been harassed by XXXX for. I currently have a modification saying that I owe XXXX that was dated XX/XX/XXXX. They garnished {$60.00} from me on XX/XX/XXXX. On XX/XX/XXXX they took {$370.00} out of an account that was not mine. I am a signer on someone elses account and they took money out of their account, and my savings and checking. They left all accounts with a XXXX balance. The person whos account they took from is not my spouse and it is not their debt.
I 've been paying my student loans for over 7 years and it does n't appear that my payments are being appropriately allocated. Most of my payments are going directly to interests and taken extremely long to pay off. I 'm not able to get payment information past 12 months to get an accurate comparison of the progress that I 've made.
I opened XXXX Certificates of Deposit with National City Bank years ago. National City Bank merged with PNC Bank XXXX years ago, and when I presented my original Certificates of Deposit to PNC Bank I was told that these accounts did not exist in their records. I was also told that the " National City Account Number '' did not carry over to PNC Bank during the merger, so there is nothing PNC Bank can do for me. Every time I check in with PNC Bank to see what information they can give me, I 'm told they are " still researching ''. The " Research Department '' has been " researching '' since XXXX XXXX, and as of today, XXXX XXXX, they still have found no record of me ever withdrawing these funds from any of the XXXX Certificates of Deposit.
On XXXX XXXX, 2015 I sent a letter of verification to SKO Brenner American requesting verification of several accounts being reported as negative on my credit profiles. Received the return certified receipt stating letter was signed for on XX/XX/2015. On XXXX XXXX, 2015 received a letter form SKO Brenner American representative by the name of XXXX XXXX stating The they have notified the credit bureaus to delete these accounts from my records. Today is XXXX XXXX, 2015 and the negative accounts are still showing on my credit profiles.
My house foreclosed and I had a second mortgage that was not forgiven in the amount XXXXThe company XXXX XXXX offered a 20 % settlement with me which I did n't originally agree upon and asked for 10 %. They would not do 10 % so I later agreed to 20 %, however they said they sold my debt to a law firm XXXX MN. XXXX would not respond to any of my attempts to make payments to them and threatened to garnish my wages if I did n't immediately sign an affidavit and payment plan to pay them in full. I asked them where I could send payments and they ignored me. They only communicated with threatening letters and phone calls. Finally under duress and the only way I could get them to tell me how to send a payment was I signed their pressured paperwork. I feel they used threats and fear to ignore my attempt to pay them the original agreed upon 20 % settlement which they forced to 90 % now.
Please provide all relevant documentation such as billing statements, signed contracts to valid this debt. This company XXXX XXXX XXXX is a predatory lender and should be shut down due to their illegal business practices with their Car Dealerships refusing to provide tags, or DMV registeration without customers paying additional monies in cash to the dealership directly, even after the tags & taxes were included in the loan amount. Because they would not provide it, the car was turned back over to them.
We i was a victim of false certification for a loan by XXXX XXXX XXXX XXXX. 
Which XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Found the school wrong XX/XX/2018 and Discharged my and issue a refund .Also requested that it be removed for my credit reports .. Now Edfinancial service was the load serving company, Which also reported to my report .Sent me letter on XX/XX/18 that they will HONOR the XXXX XXXX XXXX XXXX ruling and will remove the loan from my credit report. 

I recieved a letter on XX/XX/2018 from EDfinancial Service stating that there reporting is accurated .But in there letter date XX/XX/2018 states the checked with the XXXXXXXX XXXX XXXX XXXX .. Which the load was false and need to be removed.. I have contact them twice about this matter ..
I have been disputing things on my credit report and just yesterday my score  XXXX   XXXX   XXXX  Eq  XXXX   XXXX . I went to check it again because I am currently rebuilding and low and behold my   XXXX   dropped  XXXX  points and there were no changes on my report. I do n't have any new accounts, nor have the age changed on any of my accounts. My Credit Card usage is under 30 %. The  XXXX  are trying to discourage consumers into disputing anything on their report and this is not fair. I 've been working hard to acquire a higher score because I would like to buy a home. This is such a discouragement. In the attachment I understand these are  XXXX  Scores yet it still was a tremendous drop.