WillisBack/dataset-financial-user-claim huggingface dataset:
Midland Credit Management calls me two or three times a day at work trying to collect some debt they say I owe. I have asked them to stop calling me at work a repeated number of times but they continue to call. The latest call was this mornin g, Wed  XXXX   XXXX  at  XXXX   XXXX , The man gave his alias as  XXXX   XXXX  and number as  XXXX   XXXX   XXXX . So far they have been polite but there calls are interfering with my job and they need to stop.
I have several loans serviced by XXXX /Navient. I was informed several times that my there are not program to reduce the loan payments. Therefore, I requested several forbearances which increased the loan amount. I missed several payment which were reported on my credit reports.
I took private student loans fr om  XXXX . I 've be en paying more than the minimum on time for the better part of a decade. This month, the servicing of my loan was transferred to   XXXX   XXXX  .     I disagree with this practice on an ethical level. I am not a commodity and should n't be treated lik  e one. But, I can deal with the headache of my loan servicer changing.
My complaint is that   XXXX   XXXX   does not allow   me to schedule payments in advance. I can either set up auto-pay for a specific amount on a monthly basis or pay online. The problem is that when I pay online, I can only schedule my payment for that day. This makes paying my loans off more difficult and makes it more likely that I 'll pay more over time.     I like to pay my monthly payment ahead of schedule and then make additional payments each time I receive a paycheck. This has been a really effective way to pay off my loans faster.     Not being able to schedule these payments ahead of time makes it more likely that I 'll make my extra payments later, which costs me more in interest.   XXXX   XXXX   provides a negligible level of customer service and a terrible user experience.     It 's entirely reasonable to expect that I 'll receive equal or greater quality customer service when my loan is transferred against my will.
In XXXX of this year I opened an account at Coinbase the most well known exchange for cryptocurrency ( https : //www.coinbase.com ). On XXXX XXXX, 2017 upon trying to do a trade I was asked for re-verification of my identity. as requested I submitted copy of my drivers license, got a notice that verification failed. Tried it a couple of more times. Same result. I called support they said everything looked fine on their end and that they will send it to their next support level. Got an email right away that it will take 4 to 5 business days. In the mean time my account is complete frozen. That was on XXXX XXXX, over a month ago. I have over {$42000.00} in my USD account. Called support three more times. They indicated I need to wait my turn in upper support. I tried to withdraw the funds. I could not. I called to close the account they said I could not until issue is resolved by upper support that there is nothing anyone can do.
Called to get in one driven repayment plan. Then when I looked up the interest racked on for a year was astronomical it was almost 4000-5000 added on to my loan that is absurd never had that much interest tacked in ever. It unfair loan practices. Have never got more than 1000 in interest. Tried to call and got around numerous times. There phone system can call you all day. When you try to call its a long wait. I waited 3 hours never got someone that could fix it.
i FILED A COMPLIANT WITH cfpb AGAINST XXXX XXXX XXXX because they reported a payment late on an auto lease when it was not The account in question was with XXXX XXXX XXXX XXXX I got an apolgy from XXXX and a promise to correct the status XXXX and XXXX subsequently corrected my report ... Trans Union did not I have disputed with TU 3 times ... spoken on the phone with TU for hours and still my report shows this account as 30 days late for the XX/XX/XXXX payment which is absurd because i never made a payment in XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX because the car was turned in early I received a final bill and it was paid by the XX/XX/XXXX due date I don't know what it is going to take to get TU to fix my credit report. I am at my wits end with them and hopeful that the CFPB may get some action.
Ocwen is  my loan servicer for my mortgage. In    XX/XX/XXXX   , they denied my application for loan modification. Instead, as I was not working at the time put me in an unemployment program which took my payment from {$2400.00} to {$2200.00}. As it was explained to me the difference in interest could be paid later and added to the principle. I was told after a year they would relook at the modification opportunity and if I was working I would probably be approved.   O n  XX/XX/XXXX  I calle d  XXXX  to look at refinancing my home. Finally, after 12 years of making my payments on time automatically out of my credit union account, I truly felt I was finally out of the water.   What the rep from  XXXX  told me was  Ocwen had  been reporting my mortgage being paid late since I opted into this program. She could not help me.   I never agreed to enter into a program that would report my mortgage being late, This would have ruined any chance of ever refinancing my horrible loan.I never signed anything agreeing to this as well, which  Ocwen  confirmed as they stated that could n't find any document signed by me.   This is n't the only tim e Ocwen hav e messed up on my payments. Fo r one year they impounded my taxes and home insurance from my checking account without m y authorization. I have always paid for my own property taxes and insurance. They eventually refunded the money they took and blamed it on a new system they had started using. Again I never signed anything for them to withdraw this money from my account.   I have sent a fax of notification telling them to remove these negative marks on my credit bureau. As my wife and my brother who 's a   XXXX   are also listed on the mortgage are also being negatively affected.   I need to refinance my  XXXX  loans that I originated back in  XXXX  and until these reports are removed I will be unable to.
Sallie Mae called me twice in two weeks regarding my bill once on XXXX from an unknown number and once on XXXX. XXXX times I explained that I do not have money to pay them and in response to asking them to stop calling me, I was informed they would continue to call until the balance is paid. I find this action harassment and I would like them to stop calling me or at minimum reduce the amount to once a month. 

This is for a XXXX loan for XXXX university XXXX.
This company do have Surety Bond with Texas Debt Collection Practices Act, Sec 392.102
On XX/XX/XXXX we closed escrow for FHA loan. During the loan application process I informed the loan officer of a dismissed Chapter XXXX in XX/XX/XXXX. Kindly enlighten me if I should have been given conventional loan instead. I am unclear of waiting period for a dismissed Chapter XXXX. I have the entire loan package signed on XX/XX/XXXX for your review for any fraudulent activity. Thank you.
In XX/XX/XXXX, me and my father co-leased a Maxima. After making on-time payments for 3 months, no payment history was showing up on my credit profile, while it was reported for my father. 

Ever since XX/XX/XXXX, I have been trying to get Nissan Motor Acceptance Corporation to report my payment information to the credit bureaus. After 12 calls to them nothing has changed. Each time they promised to send the information in, and that in 15 days it would be available for the bureaus, and they will update it within 90 days. Nothing has changed. 

Today, I called again. They told me they can not do anything, and that I have to call XXXX  and XXXX. I did. The XXXX representative said that NMAC can directly contact them, and have it fixed. NMAC is saying they can not do that.
There are several XXXX Accounts being reported in my credit file. These accounts do not belong to me. Each time that I disputed these accounts and proof that these accounts belong to me. I have not had any results from the credit agencies nor have I gotten any response from XXXX. I will like these accounts remove since they are playing a viable role in my credit score.
There is a hard inquiry on my Equifax credit report by XXXX dated XXXX XXXX, 2016. I think this is fraudulent.
I am having a problem with Chase Card. They are reporting an account with a high balance of {$3400.00} to the Credit Bureaus. I have written them multiple time requesting evidence bearing my signature that shows I have a contractual obligation to pay this debt to Chase. The only response I received was a copy of a credit card statement, but not any evidence with my signature to validate this debt. They also have failed to report to the Credit Bureaus within 30 days of my letter that this item is in dispute.
I noticed that I had a negative account show up on my  XXXX  credit report a couple of years ago ( sometime in  XXXX  ) from Syndicated Office Systems representing  XXXX   XXXX   XXXX . I immediately called them to question this since I had never been a patient at  XXXX   XXXX   XXXX  prior to  XXXX , had never received any bills and had no idea this was on the credit report. I was told that I would have to straighten that out with the hospital. I not only called, but went to the hospital in person. The hospital could not locate any records after having to do a " manual search '' since it had been more than two years. This took a significant amount of time and follow  up ( several months ) to b e told that they could not find any records or bills. I have asked Syndicated Office Systems to on several occasions over the past 3 years via their website email to validate this debt. I have never received a response. I have disputed via  XXXX  several times only to be informed that the information has been " updated ''. I just recently sent an email on  XXXX   XXXX ,  XXXX  requesting debt validation, but have not received any response.   I find this extremely distressing since this is causing damage to  my credit score  and my ability to receive the credit I deserve. I am concerned that this is a fraudulent claim from Syndicated Office Systems to collect money from me. I 'm not that stupid as to pay money when I was not a patient. Unfortunately, the idea for these collection agencies is pay or have your credit affected -- extortion.
I wrote to Transunion in regards to an entry listed on my credit report which I previously disputed and requested to have removed. After disputing the public record, I was told that the public record was accurate and verified and it is still listed on my credit report. I wrote to Transunion and asked them how did they verify the bankruptcy public record on my credit report to make sure that it is accurate if the XXXX District of Pennsylvania Bankruptcy Court stated that they do not report or verify to credit reporting agencies with any information relating to any bankruptcy cases. If that is the case, then where did they get the information from? If they did not get the information from the BANKRUPTCY COURT, then the information on my report is inaccurate, false and should be removed from my report. I enclosed a copy of the letter I received back from the XXXX District of Pennsylvania Bankruptcy Court supporting my position. I asked Transunion to remove the bankruptcy public record from my credit report file immediately because the public record could NOT have been verified since there is no way to verify it.
Using XXXX letters I disputed a collection with XXXX to a XXXX balance. It was removed and placed back onto my report unfairly. The credit breaus denying the removal but I have proof in a screenshot.
I received a copy of my credit report to find a collection from Southwest Credit in the amount of {$450.00} on my credit report inXX/XX/XXXX. I immediately disputed it with the three credit bureaus. The debt came back verified. I then requested verification of the debt from Southwest Credit. They sent me a copy of an contract with my name and no signature from me. The contract shows effective date XX/XX/XXXX. Once again there is no signature from me but there 's a signature dated XX/XX/XXXX by the company for a contract dated XX/XX/XXXX. The contract states it is a new owner take over for a contract dated XX/XX/XXXX which was 36 months for the previous owner. I have not signed a contract for XXXX. I did not agree to a 36 month contract. They are illegally committing me to a contract and I know this is against the law when I have not agreed to a contract for some old equipment that did n't work when it stormed.
I am filing this request because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They have gone past th e thirty day m arks to verify these accounts. under section 611 ( 5 ) ( a ) they are to promptly remove items that can not be verified. that I have disputed.         account name tax lien on Equifax in  XXXX   county  account number  XXXX  date filed   XXXX   account name collection with    XXXX   acct number  XXXX  account name.   XXXX   XXXX   account number  XXXX    XXXX   account number  XXXX  account name  XXXX    XXXX   XXXX   account name   XXXX   XXXX   account number  XXXX  all of these items are on my Equifax report and need to be removed immediatly
I have been living at my residence for almost 30 years. Over the last XXXX or so years, many mortgage companies have been involved in my home loan as they sell it to other companies. A number of years ago, the present company XXXX, informed me that my I now owed almost {$500000.00}. I had thought it was around {$350000.00}. They never gave me a complete explanation for this increase. As I was struggling to pay the monthly mortgage, I contested it but they did not respond. 
The present value of my house is around {$560000.00}. 
I am 72 years of age, self employed and want to stay in my residence. 
I would appreciate your investigating this situation and informing me of the correct amount I presently owe on my home. 

Thank you very much for your help XXXX XXXX
I had a credit card with XXXX who sold to XXXX XXXX. The limit was {$400.00}. They began charging a fee each month and all was fine with my payments until I was diagnosed with XXXX and had to go through surgeries and treatments. I got behind and filed my creditors with Consumer Credit Counseling, this credit would " not '' work with them and continued to charge me {$35.00} a month for late fees so now I owe like {$800.00}. I finally worked out an arrangement with them to take a payment each month to try and resolve this debt and they took two or three payments from my account. I planned on {$45.00} begin taken from my account on the 3rd or 4th payment but they attempted to charge me {$70.00} and I did not have enough money in my account to cover so the payment was returned. When I called them they said I agreed to pay {$70.00} after the 2nd or third payment, I do n't remember and I said I ca n't afford that, and asked for them to take less but they said no. Now they are saying that I wrote a bad check ( and I did n't ) and then they said I gave them fraudulent bank account information ( but I did not ) I called to speak with XXXX telling him that I was having problems and considering filing a Chapter XXXX and in the middle of this conversation a man got on the phone, said he was the manager and begin yelling at me and when I would n't bow down to him, he hung up. I continue to receive phone calls from XXXX, XXXX and now a recorded message from XXXX XXXX and they continue to say that I wrote a bad check of provided bad payment information and that this is illegal across state lines. The only thing that I am guilty of is not having enough money in my account to pay what they require I pay and for not being able to include them in a CCC plan payment.
I have had an account for several years with XXXX, now Synchrony Bank. They are reporting to XXXX Credit Bureau XXXX Inquiries as 'regular inquiries ' rather than " account review ' inquiries. This is lowering my credit score. I have contacted XXXX and they tell me that I have to go to the company to have them removed. When I wrote to Synchrony Bank, I received no response. There is no reason for 'regular ' inquiries at all, muchless 'regular ' inquiries AND account review inquiries. They need to be removed immediately!
I called and submitted numerous letter to correct my personal information to the credit bureaus. I also have certified mail receipts. I have old addresses on my credit report that I never lived at a day in my life. Also my name is not reported correctly and misspelled. I would like all addresses that do not belong to me deleted. I would also like my name reported correctly and all inaccurate names deleted. This is hindering my life in a major way and needs attentions ASAP. Thanks for your cooperation please help!!
I have reached out to each bureau to correct my personal information and neither bureau has adhered to that request. My government name is XXXX XXXX. I am requesting any and all variations be deleted because they are not mine. My birthday is XX/XX/XXXX as shown on my attached ID. I am requesting any and all variations to be deleted as they are incorrect. I keep getting letters to verify my identity and still no deletion. I am again verifying my identity by submitting my STATE IDENTIFICATION.
I was awarded several TEACH Grants which some have not been converted to loans. One in XX/XX/XXXX and one in XX/XX/XXXX. I have contacted the Lenders that originated the grant, which now have been bought out by XXXX. They claim that they can not check into any documentation that may have been provided and therefore can not change the conversion of the grant. This has caused me to owe more toward my student loans and I feel it is unfair and misrepresented the intent of the grant. I am still working in the special education field and have satisfied my requirements towards the grants. They should have never been converted to loans.
I have two late payments on both of my student loan accounts. 

I also have a close Wells Fargo secure credit card account that is charged off and its still on my credit report.
I notified by written letter from XXXX XXXX, ( Senior Specialist ) of XXXX XXXX that the Lowes account was not mine and that they was the ones that add me as an authorize user, and that I will be refund {$1800.00} for payments made after the XXXX of the card holder and after many fail attempts phone calls I contacted ( XXXX XXXX on XX/XX/XXXX at XXXX XXXX. ) now am being told I have to show proof of payments. When stated in the letter on XX/XX/XXXX that {$1800.00} was made after his XXXX. In which I fax all these proof of documents over to CFPB on XX/XX/XXXX.
I have written to Wakefield and associates requesting validation and to cease contact until I have received validation of the alleged debt. I sent this letter certified mail which they received on XX/XX/2018. XXXX from Wakefield and associates called today to attempt to collect on the alleged debt. He tried to offer me a settlement amount and or payment plan. I notified him of the letter that was sent. He acknowledged that they did receive the letter and continued to try and collect the said debt. At this time I notified him that he was violating my rights as a consumer and to please send any further communication via mail and then terminated the phone call
I checked my credit and saw the Wells Fargo account for {$96.00}. I called Wells Fargo recovery to take care of the debt owed with a promise to delete the negative trade line from my credit report.
I received the amount of {$1800.00} through the social security due my XXXX approved. The deposit was direct to my account XXXX of Wells Fargo. This money is protected for law and they kept and reported my acreedor of credit card and took the money off from My account. I called Wells Fargo and they did not know that this money come from. They laugh me. My account is in XXXX. I have {$0.00} dollar and I do not have how to pay my expenses XXXX my phone number.
Coinbase is a huge scam. I have provided all my documents they request to withdraw my funds and still I am not able to do so. Their system to verify the identity is a simple questionaree that never works. I have been tried to withdraw my money for 5 days now and still not able to. I have contacted their support three times as of today ( XX/XX/2018 ) and still just receive automated responses.
An Attempt to secure a loan through LendingUSA was negative- declined due to they could not identify me. http : //lp.lendingusa.com/lending/1/? utm_source=ppc & utm_medium=cpc & utm_campaign=Bing I was under the impression no credit check would be done but subsequently found out they used a company called XXXX [ " XXXX XXXX XXXX is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] XXXX partners with XXXX whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact LendingUSA proved long wait time and not return calls! They are a partner with XXXX and should have had access to any and all information concerning me. Lending USA was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why this?
I paid an account XXXX XXXX XXXX XXXX 25 days late and it appears on my credit report XXXX Experian only ) as 30 days late. I called Experian to dispute the inaccuracy but they tell me that creditors are indeed allowed to report an account 30 days late even though it may have been less than 30 days late. 

I disputed the account status and the investigation results show that the account will remain as 30 days late. 

I then contacted XXXX XXXX, Director XXXX XXXX XXXX for Experian on XXXX and asked him if paying even 1 day late can show on my credit report as 30 days late and he said NO. 

I do n't understand what is going on at Experian. Customer service and XXXX XXXX are saying contradicting information. 

I am attaching three documents:1. Investigation Results2. Credit Report showing 30 day late payment3. Payment history for XXXX XXXX showing I never paid more than 30 days late4. XXXX Screen-shot where XXXX XXXX says that a full billing cycle must pass before the account is reported as 30 days late
XX/XX/2018, Experian received my request to delete an item from my credit report from XXXX XXXX for {$260.00} regarding a medical collection because they did not successfully validate the debt within 30 days. In addition, Collection agency may have committed possible HIPAA violation in that theyve directly sent me a copy of medical records but there is no proof of a HIPAA release form with my signature or any proof the agency is a Business Associate which I specifically, addressed and requested from collector. Later in the investigation, I also researched and contacted alleged original creditor and the entity stated the debt was sold and not assigned, therefore, if the collector isn't representing the original creditor, they are not considered Business Associates and don't have the right to protected health information. Furthermore, Experian did not complete an independent investigation of the matter which is required by FCRA. The company simply sent an XXXX statement that the account is accurate. In terms of violations already committed, the collector never entered a notation on the account the item was disputed and never ceased collection activity during the validation process, and neither did Experian when I disputed them directly and they also falsified an " in dispute '' notation when I received the dispute results on XX/XX/2018 ( I have a copy of my Credit Report XX/XX/2018 In Dispute is not in comments section that day or any other day of the dispute process ). Concluding, Experian did not handle this correctly, when confronted with violation committed by the collector, my rights were not protected, and I have physical records as proof.