WillisBack/dataset-financial-user-claim huggingface dataset:
When working on building my credit, I took out a loan from XXXX XXXX XX/XX/XXXX. I paid as agreed and on time until XX/XX/XXXX ( 12 months ), at which point they offered me a new loan and to consolidate the remaining balance of my old loan into the new one. Since 12 months of payment history was reported, I decided to do this to help my credit scores even more with another loan. I paid that loan off in XX/XX/XXXX. During this time, I had not missed a single payment on my loans, however, the original loan was never reported as closed, and shows a 90-day late payment in XX/XX/XXXX and two 30-day late payments as well. 

I have disputed this account several times with the credit bureaus, of which XXXX and TransUnion WILL NOT remove the account, XXXX did on the first dispute. 

This account reports my ONLY late payment in my credit reports and is harming my credit scores and making me pay higher interest rates for all of my loans. 

The fact that XXXX and TransUnion will not properly investigate the account is the primary issue. I 've contact XXXX on multiple occasions and have received multiple verbal responses ranging from " I see the error and will get it corrected '' to, " we have no record of a late payment '' to " We do not show your other account with us ''.
My father was a XXXX XXXX XXXX and purchased a home for {$35000.00} in XX/XX/1992. He passed away and I recently assumed the mortgage. They are claiming that approximately {$65000.00} is owed on the mortgage, claiming due to several Foreclosure Proceedings, but can not give me a breakdown of all the fees. 

The original mortgage company is XXXX  XXXX XXXX. Some years ago, XXXX XXXX XXXX sold the loan to NationStar and NationStar is now Mr. Cooper. 

Recently, I had to modify the loan and they changed the supposedly fixed mortgage payments 4 times in the past year. I can't work with that, this is not normal. Especially on a VA Loan. 

I am requesting that they give me a breakdown of all the fees on this account since the beginning of the loan in XX/XX/1992. 

Please help me, I am having a difficult time dealing with Mr. Cooper. They have a problem sending Statements, Notifications and Correspondence to me every month. They can't answer my questions and they don't call me back when requested. I am always told a certain representative is working on the account, but that person never calls back. 

Thank you, I need you to promptly reply and investigate this fully.
I applied for a patent plus loan for the spring term of XX/XX/2016 for my son. We thought it was all taken care, therefore he enrolled. I never received a denial email or letter from navient. They said they sent my son an email. He has XXXX. I take care of things for him for that reason. Neither of us received any other notifications. Since he had already enrolled by the time we were notified, it was too late to drop classes and the college has charged us for the entire semester! {$6000.00} which we don't have. Thanks for checking
XXXX, was sold it was not in foreclosure it was sold on a short sale this needs to be corrected.
I received are County tax bills that we 're supposed to be sent to the lender. I faxed them to Freedom mortgage on XXXX XXXX 2016. XXXX bill was paid on time, XXXX was not paid so I called them on XXXX XXXX 2016 which was the due date. They told me that they did n't have record of the XXXX tax bill and I should send them the fax that I sent them, via email. I contacted them via email on XXXX XXXX 2016 with the documents they requested attached to the email. I received a response the same day saying that they received my email inquiry and that they would respond to it. On XXXX XXXX 2016 a letter was sent via USPS stating they had received my inquiry and would respond within 30 days. I called them on XXXX XXXX 2016 they told me that they were still reviewing the information. On XXXX XXXX 2016 the amount for the property taxes was deducted from my escrow account, the amount was a second time on XXXX XXXX 2016. I contacted freedom XXXX XXXX 2016 they informed me the taxes have been paid twice, they could not tell me why they paid them twice and would not refund the money they erroneously removed from my escrow account. The taxes have not been paid to date in the treasurer has no record of correspondence from them.
I confirm that I do owe a past due balance, along with the repossession fee. And I have waited for two weeks, but I keep being told by the branch manager that he has n't heard from his district manager yet as to the exact dollar amount I owe? My only request to resolve this matter is to be told what amount will satisfy this debt so I can retake possession of my vehicle before it is either sold or salvaged.
I have continued to receive collection notices from Comenity Capital Bank due to an ongoing billing issue that I have tried to resolve with Zales. In XXXX of 2017, I made a purchase with my Zales credit card. Prior to making the purchase, my zales account was setup for automatic payment which was linked to my credit card. So when I made the purchase I was under the assumption my account would be automatically deducted. Two months later I received a call that my account was in collections which should not have been based on my Zales account being setup for AutoPay. The n I was contacted by a person from Comenity who was extremely rude and would not waive any late fees because of the issue. Then I filed a complaint with Zales Corporate office and a BBB complaint multiple times and did not receive any resolution. The supervisor stated he would reach out to Comenity Bank to have them contact me to resolve the issue. I paid the entire balance off and my credit score has dropped when I did everything right to try to resolve the issue.
lender kept charging double the amount and on the wrong day. They did this three times so I had to block them from my bank. The refused to resolve the issues of overdrafts on my account because of this so I refused to pay them anymore money. Now they are threatening me.
I REQUEST MY FREE ANNUAL CREDIT REPORT FROM XXXX AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY. 
PLEASE, HELP ME
I started with disputing with credit bureau because dates were wrong and account was over seven ( 7 ) years old I Lost all disputes reason given ( it met F.C.R.A. requirements ). I was shocked the only way they could say that was if paperwork dates were falsified or FCRA data does n't require much to pass their standard. I then wrote to original creditor and got no reply. Later some accounts were taken off. it helped but some accounts were duplicates. Then after the ones remaining on report 's dates changed again so I think the company my account was sold to and then they sold to ect..was in control of dates and account numbers both changed or were removed. I Got my past seven ( 7 ) years of my bank statements and there were no payments made on those days in fact no payments were made in those ( 7 ) years
I pulled my credit report from XXXX. XXXX XXXX XXXX is showing inaccurate information for timeshare maintenance fees. There is no account number on the report and the amount owed is questionable. Upon my research, I also found out that the creditor must report both positive and negative information. This report clearly does not.
I have a credit card with XXXX XXXX, provided by XXXX XXXX. I've had this card since XX/XX/2017 and received several increases and had those increases then taking away because the bank is stating I should have never received them because they were done manually. when the the bank constantly does this it takes a big hit on my credit score and it's very shameful to try and make a purchase and later find out during check out the funds have been taken away. one minute my limit is XXXX the next XXXX and now XXXX. I have always paid my credit card bill on time never late not once and the bank has even stated I have a excellent payment history with them. This bank is horrible not only with constantly decreasing credit limits but also stating you have other accounts with them that you never opened in your name. A couple months ago I contacted them about an account I noticed on my credit report called woman within and told them I never had an account with his company and the charges were not mine, they still have not removed this item from my credit report. I'm at all wits end ... ... .. I Don't understand how this is considered acceptable. Another thing that really bothers me is, when they decrease the limit I call to bring it to there attention, they then say if you agree to apply for an increase we can do an application to see if we can approve you. The sad thing is, when you choose to agree to that it lowers your credit score. When in fact if they would just leave your limit where it is, you wouldn't be calling in the first place!!!! I Have other credit cards and never have this problem with them going back and fourth on my limits.
After reading the news about XXXX and now Navient I realize my situation matches several of those stories. Two week prior to graduating from XXXX in 2008 I was pulled out of class and taken to see a woman I had never seen at the school before ( maybe XXXX staff member in that entire building I knew them all at this point ). 

She tells me there has been an issue with my financial aid and that for the last year I have had no finances to pay for that years tuition, and I am now on the hook for nearly {$20000.00} in fees. They claimed the prior finance director never sent off my aid request for that year and showed the dated document from her filling cabinet. In my panicked state I was pushed into signing a high interest private loan. That did not have some of the safety nets traditional student loans have. 

The following week I was asked to stay at XXXX to complete a XXXX degree but in a different field that my XXXX degree. When asked why there 's not a XXXX degree for my graduating field I was told that my class would be the last one to graduate from XXXX with my degree because employment rates for graduates was less than 30 % and that they 'd no longer be offering those courses. I found this very surprising because 2yrs prior their recruitment agent boasted 80 % + job placement rate for graduates. 

A year or two later when having trouble paying for my loans and sought options to reduce my payments I was told by XXXX XXXX to enter forbearance and that it was my only real option. 9 years later an {$700.00} a month loan payments my balance is greater than the original loan amount.
I placed an order on XXXX on XX/XX/2018 and used PayPal as my form of payment. My debit card is linked to my PayPal account. The order did not process but a three pending authorizations of {$310.00} are on hold with my bank. There is no order but PayPal still obtained a hold for 3 transactions of {$310.00} each. I was told there was a technical error between XXXX and PayPal and I must wait 3-5 business days for the authorization to be removed. They should not have not submitted for an authorization when the order did not go through. So now theres no order but over {$900.00} of money is being held for 5 business days. I should not have my money on hold due to there technical issues. My money should be made available to me especially when theres no order.
I am a XXXX XXXX and have worked since graduation from college serving XXXX XXXX communities. I recently submitted my employment for certification for the Public Service Loan Program. My employment was certified. However, when my loans were transferred to Fed Loan Servicing, they informed me that the payment plan I had been on previously made me ineligible for the PSLF. 

I have registered a complaint with my previous loan service, Mohela. My loans were transferred three times in four years, from XXXX XXXX XXXX ( XX/XX/XXXX ) to XXXX ( XX/XX/XXXX ) to Mohela in XX/XX/XXXX. Each time my loans were transferred, I spoke to customer service to confirm I was in the right payment plan for PSLF. Each lender assured me I was. When I spoke most recently with Mohela customer service on XX/XX/XXXX after being told I was ineligible because of a previous payment plan, they informed me that I had been in the correct payment plan but that the terms of that plan were wrong. They provided me misinformation about the terms of the loan, and can not fix the history of my payments. 

I have worked over ten years in public service, but because the loan companies who had my loans provided me inconsistent and incorrect information, my employment does not count towards my loan forgiveness.
TransUnion Closed the disputes as valid and failed to remove the accounts that were fraudulent and they claimed they verified the accounts and provided me no such proof. This is by law a violation. I 'm attaching the documents that they have not responded to timely and are in violation of the law and I will be pursuing lawsuits unless they remove the accounts.
The person who helped me with navient, instead of helping me lower monthy payments told me it was a better idea to use forebearance or deferment. Happened the 2nd time I did it as well. Both times I was told my loans would be placed on hold. However, they still accrued interest. I have tried getting monthy amount lowered but they said they can not go any lower and I can not afford that amount.
RE : Regarding a Reported Delinquency in XX/XX/2015. 
To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX. I have been a satisfied customer of Capital One for years. 
Your outstanding customer service is the reason Ive remained a loyal customer. Ive always considered it a priority to make all my payments on time. Unfortunately, when my father died I fell short. I was over a month late with a payment. 
I had been carrying a sizable balance for several months. Then, I finally paid off the full balance. When I received my statements and, I simply discarded them without even opening them because I assumed they would show a XXXX balance with no payment due. It never occurred to me that there would be a finance charge from the last month that carried a large balance. 
I wish I had taken a moment to just open and read those statements. That was a big mistake, and I can assure you it wont happen again. From now on, I will always open every piece of mail that I receive from you. I recently opted in to email alerts just to provide an added layer of redundancy. 
Your records will show that in XX/XX/2015 was the only time I was late. I had never been late with a payment until this unfortunate oversight. I have been prompt with the past XXXX monthly payments since getting caught up. 
As a long-time customer in good standing, I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. Please help me this is hurting me financially. 
Thank you very much for your consideration,
I took out a loan of {$800.00} with the Big picture loan people and was not made aware that the interest was to be 774.350 % .. At this time, I 've made XXXX payments of {$280.00}. At this rate, the payments I would need to make would result in a total of {$6800.00} for an {$800.00} loan.
I am desparately seeking your assistance with having a creditor ( that was paid in full per a mutually agreed upon settlement payment offer in 2013 ), with continuing to NOT report that the account been satisfied ( in 2013 ), and by constantly reselling it to collections agencies. I do have my proof that this debt was paid and settled via a letter from the law firm that originally handled this matter. The creditor is XXXX XXXX issurer of the ASPIRE credit card. Further information can and will be provide upon your request.
LAW FIRM WENT ON MY CREDIT REPORTS WITHOUT PERMISSION AND FAILED TO VALIDATE UNKNOWN DEBT. PULLED MY XXXX ON XXXX/XXXX/2015 WITHOUT MY APPROVAL IN VIOLATION OF FCRA AND FDCPA LAWS.
I have sent  XXXX , Experian and  XXXX  each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17  Mailed Address, Nam e, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX  Delete all other irrelevant information per my letter and only report the current updated information.
I have submitted numerous disputes regarding this account to Equifax, XXXX, XXXX, Consumer Finance.gov, and the company reporting the erroneous debt. I have requested verification of this debt numerous of time and have yet to receive it. XXXX and XXXX rightfully deleted this debt from my report but Equifax only continues to report the debt as disputed. Consumer Finance.gov and attempted to contact the creditor numerous of time and have closed two previous complaints due to being unsuccessful.
Over the life of my Student Loans through XXXX XXXX and Navient, I have been continuously misslead over Forebarence, repayment structures, and, to make matters worse, I was not informed that my loans did not qualify for the Public Service Loan Forgiveness program established in 2007. I could be qualifying for that THIS YEAR had I known.
I have reviewed my credit reports from XXXX and Transunion and they are reporting incorrect information such my name, missing employment status and the name of my employer, incorrect accounts, incorrect balances, age of credit, auto loans, an relating my name and social security to a person I have no relation. 

This affects my overall rating, access to credit, interest rates, among other information frequently used for background check. I notified my inquiries to them but no change has been made. Their lack of ethical practices is damaging my credibility as a trustful credit, I need to have them fix the reports to show what is really my income sources and creditworthiness as well as avoid potential identity theft.
I received an alert from XXXX on XXXX XXXX, XXXX that XXXX XXXX XXXX has reported that I now owed them {$17000.00}. I was confused. I quickly contacted XXXX XXXX XXXX customer service and ask them what is the current amount I owe on the loan. The customer service rep advise that I only owe {$2500.00}. I told her that they had reported to XXXX that I owed $ XXXX. She was well there is nothing we can do about that you will need to file a complaint. I was like that does't make sense there is no other department that I can talk to about the error. She said no. She told me to file a complaint. So that is what I am doing.
I am submitting this complaint in regards to my XXXX XXXX account that is reporting on all 3 credit reports as acct that is potentially negative. I have disputed this several times. I received a phone call from XXXX XXXX  last Wednesday asking for a return phone call. I tried to return her call several times but was unsuccessful. Tonight I called again and just spoke to a different rep and asked him to see if there are any notes on my accounts. I have 2 XXXX XXXX cards. The gentleman explained the reason for the call was to advise me they have corrected the late payment showing from back in XX/XX/2015 and have notified all 3 credit reporting agencys to update my report and put this account showing as no late payments and to have it show under accounts that are satisfactory. The woman who had first contacted me was XXXX  XXXX  PIN number to get to speak to a rep is XXXX. I am submitting this complaint because I do not trust XXXX credit reporting company to comply and follow what XXXX XXXX is telling them to do. I have had major problems with XXXX  in fixing my credit report to show correctly.
I 've been noticing that I had been having some unauthorized charge on my Best Buy ( Citibank/ XXXX /  XXXX   - whatever it is called now ) account called " Debt Protection/Debt Cancellation. '' I never really thought anything of it. Further into doing research, I noticed it had been on my account for  two ye ars ( the oldest statement that I can see online is from   XXXX   XXXX    ),  and I 'm assuming this probably has been happening unknowingly for much much longer. It 's been around $  XXXX  {$18.00} every month. I NEVER ever purchased this or authorized this, because I have no need for that service or any similar service. Every time I buy something anywhere and they ask for any kind of additional protection, I always say no.  Plus, I h ave n't charged anything to my card in years and years and years.     I saw online that  Citibank had n umerous complaints and there was a  Class Action lawsuit and that they were fined {$35.00} million and forced to reimburse {$700.00} million to customers. I NEVER got notified or refunded at all or   received any notification that this had occurred. This is actually the first time I 'm hearing about ( ever since I did research online this week ). I would like to find out when the charges started and be reimbursed for the entire amount up until currently, as well as having the whole " debt protection '' charge cancelled and removed from my account indefinitely. I 've even read about people having the charges on their card even after their card is paid off and the account is closed. I do n't want that to end up happening to me.     I contacted Best Buy and they sent me this message " We received your recent request regarding your account. We have received your request to change or cancel your debt protection enrollment. This process is handled by  XXXX , a third party vendor, please contact them directly at  XXXX  ( TDD/TTY : Use Relay Service ) Monday  thru  Friday  XXXX   XXXX  ET to  XXXX   XXXX  ET, Saturday   XXXX   XXXX   ET to   XXXX   XXXX   ET and Sunday  XXXX   XXXX  ET to   XXXX   XXXX   ET. Please let us know if we can be of further assistance. '' I 've never heard of  XXXX  or was ever informed of this Debt Cancellation service, and I do n't want to play phone tag.     The account should also be closed - as of    XXXX    ( I still have a balance on it  ).   The account is n't active, but yet they are still charging me for this " debt cancellation service. '' Once the balance is paid off, I do NOT want them to continue charging me for something that I do n't want. That   XXXX   is also the number on my statement each month.     ( I have attache d two screenshots - one is a sta tement from   XXXX   XXXX  , and it states that I purchased " debt protection, '' which is not true, because this is the first I had ever heard of it! ) I 'd like to get this resolved as quickly and less painful as possible. I would also like for that money from all of those years be reimbursed.
Our XXXX XXXX XXXX  was sold to XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ, XXXX. We received initial notice from them in the form of marketing materials in XX/XX/XXXX, saying they had bought our loan and more information was to follow. They never followed through with any further information. We received a letter from our old servicing company, XXXX, dated XX/XX/XXXX, advising us that XXXX XXXX XXXX was our new servicer after XX/XX/XXXX. That letter included the new XXXX XXXX XXXX loan # XXXX. XXXX XXXX XXXX has never sent us a welcome package, any kind of statement, nor instructions as to where payments are to be made. I called their customer service and they don't have any information about the loan number and wouldn't talk to me. We registered on their website and the loan number cross references to our address, but there is no loan information. The next payment is due on XX/XX/XXXX and XXXX XXXX XXXX has not provided us with a statement, payment booklet, account information, or any useful information to assist us in making our payment on time. We find this to be quite absurd given the fact that they have been sending us marketing materials and calling us with marketing offers since XX/XX/XXXX. The last payment that XXXX will accept was made on XX/XX/XXXX.