WillisBack/dataset-financial-user-claim huggingface dataset:
About a year ago I received a piece of mail from Ameritech financial about switching over my student loan repayments from XXXX, and that they would help lower my monthly payments based on how many people I lived with and if I made 50 payments on time they would forgive the remaining balance. They sent me a ton of forms to fill out and send back to them including forbearance, pay stubs, voided check, loan services statements, tax returns, etc. and told me they would be paying my loans going forward. The initial payment I made to them on XX/XX/17 was for XXXX. Every month following for the next 6 months I was charged XXXX. Ive paid them XXXX thus far. My student loan balance has not decreased. The interest has actually accrued from what it looks like on my statement. I had my balance down to around 30k and now its up to almost 40k. I had no idea and Im not really sure what to do about my loans now
I have disputed this debt plenty of times and have actually had it removed before and now a different company has bought the debt and the amount has changed along with the actual reporting practice to the credit reporting bureaus XX/XX/XXXX it was removed from my file through me disputing it then it reappeared under a different agency in XX/XX/XXXX for a different amount i disputed it again and was successful. the debt returned in XX/XX/XXXX as well as XXXX it was on my report from 2 different companies and 1 company was removed inXX/XX/XXXX i am wanting this removed from all 3 of the credit reporting agencies for illegal practices and also validation as this address is not valid on my reports
I was part of the Equifax credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. I am writing to demand that credit freezes and unfreezes be made free for individuals on which these credit companies store information. These companies already collect and sell our data, in an industry where their services are required. I ( nor any other consumer ) should be required to pay these companies to protect my information when, through their own errors, they lose the information they have been collecting without my consent anyway.
A payee to whom I wrote a check erroneously cash the check twice for XXXX different amounts. I called Suntrust to address the issue and over a month later it has not been addressed. Call center agents were misleading or incompetent
I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX.
I have asked this company to remove me from there auto dialer and to not call me unless it is a human being calling me cause we recieve calls from them while they are closed.
I have applied for teacher student loan forgiveness from Navient twice in the last year. I meet all the criteria to have my student loans forgiven. I feel they are illegally denying me what I have earned in order to keep my payments coming.
Bank of America sent me a letter saying they were closing 2 of my credit cards with them for " Inactivity on this account ''.
These are my oldest credit accounts. I was given absolutely NO warning of this happening and out of the blue my accounts were shut down. Since these are my oldest accounts, my credit rating will drop significantly because of this. Again, I was given no warning in any way or form of this happening. I just got a letter out of the blue saying my accounts were closed.
When contacting the customer service rep about this, I was told there is nothing they can do to activate a closed account. This is absurd. My credit score will fall by about 50-100 points because these are both my oldest accounts. I also bank with Bank of America and have done so for a while. I do n't understand how this could happen.
On or about XX/XX/XXXX, XXXX XXXX called me and " apologized for the bank charging overdraft fees and said don't worry about it, take care of your family, we will clear up the account, and he was sorry, he did not know XXXX XXXX had XXXX, she was a good customer and he knew her for a long time. '' On the other hand, the bank was well aware of the change, because I received a letter in the mail from the U.S. bank that XXXX XXXX 's 2 monthly direct deposits ( checks ) were refunded back to the senders ( companies ). No one authorized the bank to pay anything for XXXX XXXX. Aforementioned, mother XXXX on XX/XX/XXXX. They were very well aware., why would the bank continue to debit her account knowing this fact? Is it to make money off of the elderly? 

Anyway XXXX XXXX promised to clear the account with a XXXX balance, not with low funds, as if it was her practice. No one authorize the bank to pay anything, XXXX XXXX 's monthly w
The following information TransUnion is reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my XXXX account # XXXXwas OPEN and OK. 

2. Suddenly, on XX/XX/XXXX TransUnion is showing the same XXXX  account # XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. What happened over 5 days? 

4. My Chapter XXXX was discharged on XX/XX/XXXX. 

5. XXXX was paid {$150000.00}. 

6. My XXXX account is current with a balance of {$29000.00}.
Choice Recovery - {$130.00} for XXXXXXXX XXXX XXXX XXXX I pulled my credit report because my bank refused to re-finance my home and found out that Choice Recovery XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX has reported a collection on behalf of XXXX XXXX XXXX XXXX. 

I never availed these services and disputed the collection when they sent me the bill. I took my son over there for XXXX XXXX XXXX XXXX but never got it done as they quoted me different amount over the phone but were charging me the double when I went there. I never got his XXXX XXXX and came out of the dental office. I disputed this charge when XXXX sent me a letter and talked to XXXX of their agents as well. XXXX XXXX XXXX XXXX is notorious for charging different amounts to customers and have several review complaints similar to mine. 
Please contact me at your earliest convenience for more details as this is hindering my re-financing and they put a collection for the services never taken.
I n  XX/XX/XXXX  - XX/XX/XXXX ,  I was enrolled in   XXXX   XXXX   XXXX   XXXX   XXXX    onli ne. While attending, I had to apply for  a Tuition Answer privat e loan with a co-signer through    XXXX   XXXX  .  As I can recall, I had applied for  XXXX  private loan instead of  XXXX . Currently, I 'm aware that you have filed a lawsuit against  Navient. I re cently noticed this information and needed to send you my information regarding my account and any issues wi th Navient. I 've  performed an investigation on my account regarding all my loans  - Federal and Private. Currently , all of my subsidized and unsubsidized federal loans have been consolidated and sent to  XXXX . However, I have  XXXX  private loans dated back from   XX/XX/XXXX .  Here are the listed private loans in question : Disbursement   XX/XX/XXXX  - T uition Answer - {$7300.00}, Interest 5.50 %, Total Balance : {$9900.00} ( This loan is listed on my account detail ). Interest Rate Reduction -- Status : Disqualified Disbursement XX/XX/XXXX   - Tuitio n Answer - {$4100.00}, Interest 5.50 %, Total balance : {$4800.00} ( This loan is listed on my account detail ). Interest Rate Reduction -- Status : Disqualified Disbursemen t  XX/XX/XXXX -  Signature Student - {$6000.00}, Interest 9.125 %, Total Balance : {$8600.00} ( This loan is not listed on my account detail  ). Direct Repay -- Status : Elig ible.  <P/>  Navient has b een contacted for them to send me the signed promissory notes for each of these private loans. The representative stated that I would receive them by the end of  XX/XX/XXXX , no later than the first week of   XX/XX/XXXX .  In addition, while paying on my loans I 've contacte d Navient in    XX/XX/XXXX ,  XX/XX/XXXX  or  XX/XX/XXXX  regarding removal of my co-signer. They stated that I had to make 12 on-time consecuti ve monthly payments and a credit check, in order to remove the co-signer. I have been  XXXX  month late because my paycheck did not fall on that date which caused my account to be delinquent . Navient h as never told me about a grace period after the due date which is the   XX/XX/XXXX   of every month. As for income-based repayment, I could not get that for my private loans it was only offered for federal loans.  <P/> I have a copy of my account detail breakdown for you to see what is going on with my account. I 'm trying to get an understanding as to why the interest is more on  one  account than the other and they are close in age. In addition, why is  Navient charging me for loans I have n't applied for, and why Navient does not offer inco me-based repayment for private loans? Please check on any illegal deferment or forbearances that were placed on my account.
My original loan was for {$8000.00} with XXXX XXXX in XXXX. It 's XXXX and the now Navient says that I owe them over {$10000.00}. The loan has been paid in full years ago, with over {$15000.00} paid to the company. The problem with this loan, and I 'm sure all of the other loans with other customers, is that they apply 98 % to interest and 2 % towards the principle. This is XXXX of the if not THE biggest banking scams in history! I have tried to settle with Navient and they are not willing to work with me at all. They want all of the funds or else. I have been treatened, harassed, and taunted via phone calls from Navient Reps. I want to be rid of this company once and for all!!! Navient has also reported false info to the credit bureaus and nothing has been done about that either, dispite my claims and complaints.
I sent the following letter to XXXX. on XX/XX/XXXX, when I found the charges in collection on my credit reports. 

To whom it may concern, 1. On XX/XX/XXXX I spoke first a representative XXXX at XXXX and requested cancellation of the account effective XX/XX/XXXX. 
1.1. She stated that I had to speak to XXXX to cancel the account. I spoke to XXXX, providing the same information, and was asked to fax the request to cancel the service. 
1.2. I then faxed the request to the number I was given XXXX and formally requested cancellation of the account effective XX/XX/XXXX. 
1.3. Since XXXX Company had official ownership of the home by the court any charges billable after the date of XX/XX/XXXX need to be removed from our account. 
1.4. I requested a final bill be sent to my daughters address in XXXX. Fl. No final bill was ever received from your organization. 
2. Unsure of true amount owing I paid {$99.00} on-line on XX/XX/XXXX in an effort to satisfy our debt up to XX/XX/XXXX. 
Sincerely, After receiving this letter the collection notice was removed from my credit report. 

As of this month both XXXX and XXXX are both reporting the charge of {$320.00} in Collection again. 

I have been dealing with this issue since XXXX. What can be done to have it removed preminantly?
Citi has a robo caller that calls my home number XXXX times per day. Trying to collect from someone that has n't lived here in over 5 years. 
The robo caller has no option for me to inform them that they are calling the wrong number. 
This occured two months ago, and I contacted a manager at Citi customer service and informed them that the person they were looking for does not live here. The manager informed me that they would stop calling.
I received a letter from National Credit Systems Inc stating that I owe {$2200.00} as un paid balance from XXXX XXXX XXXX. The letter states that since I have failed to make suitable payment arrangements that they are going to be filing the debt with all 3 credit agencies. I was never given my chance to dispute the validity of the debt. Which I firmly dispute. 

XXXX XXXX is currently in possession of 2 months rent in check form that was given to them prior to my eviction. They evicted me because they state the are unable to accept checks. These checks have never been returned to me and are still out standing. 

I dispute the amount, the times, that fact that I was not given a chance to respond and that this debt is reportable.
On XX/XX/XXXX my husband and I filed a WI 128 amortization of debts. On XX/XX/XXXX a notice from the court was sent out that all debts in this plan were satisfied and are no longer collectible. This account is still showing up as an active judgement on my court record and a bad debt on my credit report even though it is paid in full. I have attempted to contact XXXX, XXXX, XXXX, XXXX , XXXX XXXX, XXXX in XXXX, WI as they are the lawyers who entered the judgement against me. However, I have only gotten a voicemail. I did leave a message in regards to my account but never heard back.
Equifax is reporting that my account with XXXX XXXX / XXXX which was owned by XXXX XXXX at the time of the reported late payment in XX/XX/2014 and later sold to XXXX. XXXX is reporting the late payment information. I have spoke with XXXX XXXX and they state they have corrected the mistake and are reporting the account to XXXX as paid on time. XXXX is reporting it as paid late and I can not get any information from them because they did not own the account at the time it was reported late.
The credit reporting company Midland Credit is in violation of the Fair Credit Reporting Act by abusive collection practices, and obtaining validation of debt information. The conduct has been unethical, negligent and noncompliant. The company has not furnished accurate and complete information. sect. 609 ( FCRA ) Their harassment, oppression, abuse and conduct is prohibited by law and implied account was turned over to innocent purchases for value. The company harasses me several times a day with inaccurate findings.
I disputed XXXX XXXX several times for incorrect information. On XXXX/XXXX/XXXX I filed a complaint with CFPB and on XXXX/XXXX/XXXX I received an email from CFPB with the result of Equifax investigation saying that as of XXXX/XXXX/XXXX XXXX shall be removed from my credit file. As of today it still remains on my credit file with all the incorrect information.
I have repeatedly been asking Experian to " investigate '' false information on my credit report. They are not investigating anything because they keep " verifying that it 's correct ''. It 's not correct and if any actual investigation was done, they would know that. All the other credit bureaus removed the inaccuracy with little to no problem. There is no valid phone number for experian unless you want to buy something from them. They will give you a secret phone number that supposedly works if you buy a report or product, but I do n't want to buy anything. I want them to do their job. Do they get paid to pretend I have bad credit? Why do they go out of their way to NOT fix errors? Kickbacks from the banks for charging higher interest rates than I should have? I was on their website this morning filing yet another a dispute request ... the webpage stopped working in the middle of the process ... I have no idea if it even went through or not. So, I tried to log in again, and now they have locked me out of the online website entirely ... claiming I 've exceeded the amount of times I 'm able to view a report ...???? I do n't want to see my report. I want you to get rid of false information. Why is this so hard?
I received the first attached collection notice dated XX/XX/XXXX around XX/XX/XXXX. Attached is the envelope it came in. I immediately called and was very adamant with " XXXX XXXX '' that this debt was in no way mine. I should have read your information about sending a written request for Validation. I did n't. I did know that she had 5 days to get it to me. No contact from collection agency until today, XX/XX/XXXX. I 've attached said Validation letter and envelope. This one is signed by a " XXXX XXXX ''. I have n't contacted them. I checked out this debt with XXXX whom I had cancelled at the end of XX/XX/XXXX. They, of course, had nothing to do with XXXX XXXX. I then contacted my current insurance provider, XXXX of New Mexico. XXXX had sent them this bill for {$310.00}. It was disallowed. The reference # for this is XXXX. I contacted XXXX XXXX. They have no record of this service. I contacted XXXX XXXX. XXXX was connected with them, but has not been working there for at least 3-4 years. I asked where he was and they had no idea.Since XXXX claimed this bill was for service through New Mexico XXXX, I contacted them and was informed I had a XXXX balance. I have attached a copy of said record of my billing since I began with XXXX XXXX in XX/XX/XXXX. By the way, on XX/XX/XXXX, I had a XXXX which was done at the XXXX XXXX. There was no XXXX XXXX ever at the New Mexico XXXX XXXX.
Easy Money made an arrangement with me for repaying loan. I made 2 payment one for XXXX dollars and the other was XXXX dollars. I received a threating letter saying because I was XXXX dollars short on my payment my account will be sent to a third party that will sue me for everything I got. Also the debt was XXXX now its XXXX and Easy money said if I made a payment every Friday on payday I would be ok. Today I called and they begin threatening me and I said I was preparing to make a payment Friday. They said I promised to pay the entire amount by Friday which is a lie. Please help resolve problem my goal was to continue making payments until debt is cleared.
XXXX XXXX
I believe Chase bank is in violation of the legal tender act by failing to exchange legal U.S. tender for smaller denominations of legal U.S. tender without having an account with them. 

On XX/XX/2015, at approximately noon, I went to a Chase bank branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I was attempting to exchange a {$20.00} bill for XXXX roll of quarters. As I would not provide account information I was denied the exchange. The vice-president/branch manager XXXX XXXX told me this was Chase 's policy recently instituted. If that is true, this means that people without bank accounts will now be out of luck when it comes time to do laundry. No quarters for the poor? Sounds illegal to me.
I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax has not removed the accounts and have sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus. The information that has been reported has been due to identity theft and has already been investigated however, Equifax is neglecting to delete these items from my credit report.
Here are the two inquires that I don't recognize and have nothing to do with them 1 ) New tradeline by XXXX, business type N/A to Experian on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 2 ) New inquiry by XXXX to Experian XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - nonspecific I got the information from my XXXX XXXX web page account
On XXXX, I was approved for an American Express Gold Card Membership with a promised : 1 )  XXXX Membership Rewards Points for {$2000.00} spend in the first three months 2 ) 20 % cashback as a statement credit on all restaurant purchases up to {$100.00} in the first three months. As of XXXX, I was notified by one customer service agent that I was not eligible for the sign up bonus. This information was never communicated to me either through email, the American Express portal, or though certified mail. This was escalated to a supervisor who indicated that the XXXX Membership Rewards points bonus would supposedly hit two to four weeks after XXXX ( when the spend threshold was hit ) and the {$100.00} statement credit would post in 8-12 weeks. Then they notified me that the bonus was rescinded because a late payment from XX/XX/XXXX. This issue was already previously rectified with another agent, where I had set up an Automatic Payment in the system, but failed to realize it wouldnt fire off until XXXX. Upon discovery of the issue on XX/XX/XXXX, I immediately made the payment in full to rectify the issue, so the issue was considered a misunderstanding/miscommunication and closed. I was told that there would be a follow up in 2-3 weeks. CASE # XXXX XXXX After not hearing back from 2-3 weeks, on XXXX conversation with American Express front end customer service. Verified that spend requirements were met and bonus should be on account. Back end needs to follow up and verify bonus to be applied to account XXXX XXXX # XXXX Called XXXX into the rewards and customer service department. At first, they claimed there was no record, then they claimed the closed the investigation. No resolution was communicated and nothing was added to my account.
A few weeks ago, this agency called XXXX XXXX XXXX contacted me about some medical debt I owed. I told them I was invoking FDCPA, that they could not call me going forward, and to send the information. They stated I had to put the request in writing. I told them that FDCPA can be invoked by phone or in writing. They supposedly relented and agreed to send the information. I did get that information.

On XXXX XXXX 2018, this agency called my number again stating my wife had medical debt. They violated FDCPA by contacting my number AGAIN despite my previous invocation of FDCPA.
Missing funds from XXXX XXXX/2016 from job t account they said one person pulled all the money out without theothers on the account XXXX.want the documents to prove the money was withdraw money returned held moneyfrom account for an over payment on mothersdeceased ssi
The attached documents were sent certified XX/XX/XXXX and shows as being received. They send a letter in return but NEVER do they tell me what month in XX/XX/2018 was delinquent. This account was Discharged XX/XX/2018. It was proved to discharge that XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 were paid. 

Then I received the other attached document threatening me to pay {$2000.00} by XX/XX/2018. 
I paid XX/XX/2018 mortgage {$1100.00} I paid XX/XX/2018 mortgage {$1100.00} I paid XX/XX/2018 mortgage {$1100.00} ( XX/XX/2018 ) I then paid {$2000.00} ( under the reservation of rights law - XX/XX/2018 ) I paid XX/XX/2018 mortgage {$1100.00} So what month is the {$2000.00} for? Not to mention the amount is well above the amount of my mortgage! My bank statements stand proof of this and have been sent to Seterus , Inc . They will NOT answer the question! They blame my lawyer who discharged the bankruptcy, but NO motion of cure was needed since it discharged as all months were proved paid! 
So again, WHAT month is Delinquent? I want the month in XX/XX/2018 that was delinquent as per their letter reads when they threatened to accelerate the loan! 

XXXX XXXX