WillisBack/dataset-financial-user-claim huggingface dataset:
I have a student loan from XXXX XXXX XXXX University being collected by ECSI. I have paid on the loan since 2008. I went through unemployment and then entered school full time. I am in school at XXXX XXXX University for a XXXX in XXXX XXXX. 
ECSI has received all of the deferment paperwork for in school status. They contact me every other month at least to tell me I am due for payments. Then they send me emails that I am in deferment. The website states I am in deferment but it also shows I have payments due. 
I am trying to buy a house and I looked at my credit tracker. ECSI sent me an email in late XXXX that I am in deferment from XXXX to XXXX Then they reported me 30 days late to the credit bureau on my account on XXXX XXXX.
I transferred money into my account to cover an ach payment to my XXXX XXXX Credit Card. On XX/XX/18 when I transferred the funds into the account the item did not show as having being presented as well as I had a credit balance of about {$9.00}. The next day I checked the account and it showed that the item was paid and that I had {$3.00} credit. The next day I checked the account and it showed that the item had been returned, a return fee had been charged to my account and items that I paid for via credit card on XX/XX/2018 was now showing as processed on XX/XX/2018 as well as other charges showing different dates. This has been an ongoing problem with Citibank as this has happened to me at least four times in the recent past. Citibank is not providing accurate information through online access in an effort to charge customers fees.
I am not pleased that TransUnion did n't resolve my issue with a credit card com- pany, XXXX XXXX, which I never had a card with. I understand they took over XXXX cards, but I always paid my bills on time and certainly was n't 3 months delinquent! They also had a telephone number with a Area Code XXXX for me and I have never lived in the XXXX area! This stuff is still the very first entry on their credit report.
I recieved a BankAmericard cash rewards card XXXX. The rules then were 3x cashback on Gas, grocery, and drugstore purchases for the first 6 months. Plus, you earn 1 % cashback on all other purchases. After that was only 1 % for every purchase. This took over 5 years to reach the {$300.00} mark for cash rewards and would have been 25 % more, if it was transferred into the checking account I have had since the 90 's. But they decided to change all the rules and XXXX people out of {$45.00} of the money originally promised for over 5 years. They decided to change it to 10 % now in XXXX 2015. I just finally got to {$300.00} last month 's statement, I was told. I am angry that, it took over 5 years to try and use my card as much as I could to try and get to the {$300.00}, so I could benefit from the 25 %, the reason, I wanted to have the card in the first place. Now only to find out when I tried to transfer my {$300.00} it took over 5 years to reach, that I was not going to get {$45.00} of that money now. To me, this is a way to XXXX everyone who originally got this card, we all lose out on the 25 %. Which BankAmericard is now making money from screwing us all by changing the rules to take it to 10 %, they are making {$45.00} a head from everyone this has happened to, that has taken years to reach this goal. Now we are told, sorry plans changed. Well, I do n't know about anyone else, but this is not very good business. I feel like I just wasted over 5 years of my life, thinking I was soon going to get {$75.00} extra for using this card. How convenient, the average use of this card, will take the average person that long to get to {$300.00}, so they make more money off of screwing us, by changing the rules, when they see how many people are going to reach their {$300.00} goals. This makes me sick. I want my money from my original, reason for signing up for this card in the first place. If I would of known they were going to pull some XXXX like this, I would of never signed up for the card in the first place. Seems a little crooked business strategy if you ask me, not honoring that long of a customer 's contract. I called XXXX before writing this, XXXX, customer service, would n't or was n't able to do anything for me. I told her, sounds like I need to take my money out of the bank and cancel this card, cuz what is the next horrible thing you are going to change? I am not willing to wait to find out.
Over the course of the last five years, we made a number of purchases on our XXXX Home Depot credit cards. There were several times we got an offer of zero interest for two years, but, to my knowledge, we never signed up. This last month, we were just charged a lump sum of over {$8800.00}. on our XXXX accounts for two years ' interest on the entire balance ( previously about {$11000.00} ).
5 years ago i had a captal one 360 checking account then they shut me down for no aprant reson leaving me stranded in XXXX. for 5 years i am trying to explane them i don't owe any thing and they are now causing needless pain and suffering. they don't return my calls and they have no way to contact them to dispute negtive info they did to me. i have no where to turn to on this matter and i like questions and more
As of XXXX/XXXX/2018 the information shown on my credit report is not correct. This account was reported as cancellation of debt on XXXX in the amount of {$670.00} but yet shows on credit report as past due and and balace with all three credit bureaus. The account is with kohls.
I have been dealing with an identity theft problem for eight years. A loan and mortgage was acquired using by identity XX/XX/XXXX in XXXX XXXX. The owner of the loan is XXXX and the loan serviced by dept collector Seterus Inc . The loan is fraudulent and was acquired by the theft of my identity. I have provided XXXX and Seterus Inc, by registered mail, with all necessary documentation dealing with my identity theft and a stop and desist letter to stop all contact with me as provided by the FDCPA and FFDCPA. The harassing phone calls stopped, they stopped submitting information to the credit reporting agencies and removed my social security number from their records. Unfortunately they have continued to send correspondence dealing with this fraudulent loan to my address in XXXX XXXX in an attempt to pretend that I am the person who is responsible for this loan. XX/XX/XXXX, the property that this fraudulent loan secures, burned and was a total loss. The insurance company that held the hazard insurance paid out {$350000.00} and the payout placed in escrow by Seterus Inc. Seterus Inc has requested that I sign over the insurance payout proceeds so that they can be used to pay off part of the loan. I am not the person who bought this property and will not participate in a fraud by signing over the insurance proceeds that belong to the criminal that stole by identity. XX/XX/XXXX I received a XXXX and a XXXX IRS Forms that they sent to the IRS. The XXXX submitted indicates that I received interest income and the XXXX form indicates an amount paid in property taxes. I have never received any interest payment from Seterus Inc. or have I ever paid for any property taxes on this property. The filing of the XXXX and XXXX forms to the IRS using my name and address in XXXX is a cynical attempt intended to intimidate and harass. I will now have a problem with the IRS and have to spend time and effort to clarify the bogus XXXX, which will cost me money and may require me to pay Federal and State taxes on interest that is not mine and I never received.
I am buying a house an needed to sell my vehicle for the ratios and closing. I overnighted the payoff check to GM Financial on Saturday XX/XX/XXXX, it was signed for by a XXXX XXXX on Monday XX/XX/XXXX at XXXX XXXX. I contacted GM Financial every day this week and they said they hadn't received it. Today they finally found it and did me a " Favor '' by posting the payoff to my account, which wont show up for at least 3 days. In the meantime I am being charged interest. This may delay the closing on my home costing me additional funds.
The private student loan debt they are trying to collect on is under XXXX XXXX XXXX but then the law firm of firm Weltman, Weinberg, and Reis has the owner name of XXXX XXXX XXXX. They did not send any actual paperwork that actually proves that XXXX XXXX XXXX actually owns the debt, the sent paperwork that also had XXXX XXXX XXXX and XXXX XXXX XXXX. The paperwork is very confusing because it does not show the process of how XXXX XXXX XXXX purchased and when the account first went into delinquency status which I asked for. I asked for proof of the statute of limitations of this. XXXX XXXX XXXX has gotten into trouble for this before because I asked XXXX back on XXXX and XXXX of this year to send the validation of debt but instead on XXXX/XXXX/16, the matter was sent over to a collection law firm. XXXX XXXX XXXX does not have the right to collect on the debt based on the proof that I have.
Dear Sir or XXXX, My name is XXXX XXXX. We are dealing with some financial challenges. Yesterday ( XX/XX/2016 ) I requested a " corrected balance form Mercedes Benz financial Service ( XXXX ) XXXX due on monthly statement '' as follows : 1. Mercedes Benz Financial had issued a vehicle recovery and later cancelled, but this was very XXXX. 
2. Discrepancy PAYMENT DEFERRAL AGREEMENT {$780.00} approved XX/XX/2016, which was for XX/XX/XXXX and XX/XX/2016 payments. 
. Also recent payments XXXX, 2016 for {$850.00} and {$870.00}. 
XX/XX/2016.. {$850.00}. XXXX XXXX Confirmation number XXXX XXXX XXXX, 2016 ... {$870.00} XXXX XXXX confirmation number XXXX 3. There is discrepancy in statement indicated amount owed is different form payments that have been made and processed. Mercedes Benz financial still indicating our balance XXXX which is " INCORRECT ''. 
We were approved Mercedes Benz Financial Services Loan service for our vehicle a PAYMENT DEFERRAL AGREEMENT which was approved by XXXX XXXX for the XX/XX/2016 and XX/XX/2016. 
I appreciate assistance in getting corrected balance owed to avoid any potential vehicle recovery risk. See attachment Payment XXXX XXXX
I have been going on with this cycle with Navient/XXXX since I graduated back in 2008. I was unable to get a job in my field, and the XXXX XXXX XXXX I went to cut my program short ( due to lack of returning students ) so I was unable to obtain a XXXX XXXX to get the job I was studying for. Had to work minimum wage, and temp staffing. Was never able to make my full payments. I 've resorted to Sending what i could afford, only to get hit with XXXX in late fees each month each time my payment was n't enough. I tried forbearance/deferments which only ballooned my payments to about XXXX per month for both my private and my federal ( now consolidated ) loans. I am harassed daily and am about to be in default, despite me still sending them all I can afford. They said they were trying to reduce my payment but it was still about XXXX of my net pay for the month. Once I got hit with paying my own medical expenses, it only got worse. The daily harassment is an ongoing focus on my XXXX as I have often considered XXXX to escape this debt sentence.
It shows on My XXXX report XXXX XXXX XXXX is reporting loans account # XXXX a 90 days late as XX/XX/XXXX. I have dispute the information with XXXX  and they sent a letter stating the information were correct with no proof. I also reach out to XXXX XXXX XXXX XXXX several of times, they also stated the information were correct. I spoke with a Rep XX/XX/XXXX. She stated she will open another dispute and will reach back out when dispute is finalized. I have not received an email or notification regarding this matter. My account never been late I always had my account in Deferment or forbearance status. There is no way I could have fell in a 90 day late status
I had a XXXX credit card issued through XXXX XXXX. I just received a statement showing I had paid the previous balance in full and on time, but I was charged {$1.00} in interest charges. I called XXXX and was told that the bank that issues the card, XXXX, charges a " trailing interest fee '', but only for the time between the time they mailed the bill to me and the date they received my payment. Thus, they want {$1.00} in interest charges even though my bill was paid in full and on time. XXXX removed the fee and I cancelled my account. I am concerned that if this fee is legal, it should not be. I am also concerned that others are not catching this extra fee and paying it.
.I filed dispute with XXXX XXXX XXXX XX/XX/2016 And they replied that debit was reported correctly. I 've researched and spoke with threatening debit collector and now submit documents, reciepts, photos of there claim that last month rent unpaid and damage to apt . Made up this fictitious debit. I was in Hospital XXXX and family paid my portion of Section 8 subsidised rent. They stayed in contact with management concerning my status.When I returned home there were no doors to my apt . XXXX. Management informed me they had removed doors because of my not answering them. I was XXXX ill and now homeless no clothing all was lost ( antique furniture, family photos, jewelry, electronics, etc. )
I had lost my job over the summer ; i took out a loan that i default on it and it isnt till three months at my new job that the collections affords been to the extreme ; they have called from private numbers and even skip trace and started calling family members and leaving voice mails and calls while trying to contact me and mind you i do have a po box also that i have had over a year now to ensure i get my mail and nothing short of this has come my way but more " news letters '' to get another loan from cashnet usa -- i am short of wanting to pay a retaining fee to get a bankruptcy decree if able to -- to make these people stop from harassing me and my family that i do n't have any contact with! when i told them that i could make a payment in full which is two week from this week and mention that i was going to be filing a complaint and contacting a lawyer which i look up at work and will follow up with the gentleman there then stated i was threatening him and his company and that would not assist me but after that fact he knew that what they were doing was wrong and how they were going about it i need help it could n't afford to even pay my tax penalty for not having health care last year and got that straightened and now they want to continue to hound me through my family members and sharing " Debt collection '' practices i am willing to pay for a lawyer if i can file bankruptcy so i can get a cesist and dease applied because this enough! i believe they are pretending to be a law firm in my state and also have someone who is contacting me and my family from a private is requesting i meet and sign " Certified mail ''
There was a loan taken in my name from a company called Avant which I had no knowledge of or received money from. A company called XXXX bought the loan from them and originally called me in XX/XX/XXXX through XXXX, they were told that the debt was not mine and I never applied for a loan nor received any money from a loan from AVANT or XXXX. Did not hear anything in response until I received a call on XX/XX/XXXX from XXXX who attempts to collect money on behalf of XXXX XXXX, they also called other family members trying to get my information. They were told again the loan was fraudulent, but they are still attempting to collect the debt which should not be mine. I did some research on what AVANT requires to accept to pay out a loan and they require bank account information and to verify employment, which would have been hard for me to do since when this loan was taken out ( XX/XX/XXXX ) I was unemployed and a XXXX and my bank account records will show I never received any loans from AVANT or XXXX. I am uncertain how they operate but it appears they need to validate their information before paying out to someone who claims to be someone else.
I have told navient on multiple occasions and have submitted proof that I am a XXXX, yet they keep harassing me during work and school hours with phone calls and emails. I have complained before that they will initiate contact without checking my enrollment status. This has happened at least 3 times. Their staff will not listen to me when I tell them I 'm a XXXX and they will not stop calling and emailing unless I report them, even though I 'm a XXXX. I have informed them on multiple occasions that as a XXXX, you do n't make loan payments, but the harassment will not stop. It 's causing unnecessary amounts of XXXX and I ca n't get work done or pay attention in class if they are constantly calling and emailing.
my morgage broker told me she knew the rules ... ... ... .she waited until two wks to closure to order the XXXX appraisal which she told me later would me min of XXXX wks ... ... this caused me to extend me lock rate and cose me an a dittional XXXX on ever extention ... ... .she neglectected to pay attention to the fact that the curren owner owned the property less than a year and increased the value more than double of which they purchased ... ... .she owns the company she handles ... ..she should have known it would take XXXX appraisls to close ... ... .she continued to try to extend the mortgage every day ... ... I should not be responsibile for extensions she caused either due to her lack of knowlege or due to her act of of god as she purposed to me ... ... ... .I paid XXXX % at closing due to her negligence ... ... ..is this what he government is standing by? 

XXXX XXXX
XXXX XXXX have alleged they were transferred servicing of this loan in XX/XX/XXXX.  I have vehemently disputed this debt since the alleged transfer and I have not made any payments or agreed to any terms to pay it. In XX/XX/XXXX, I sued XXXX XXXX referencing this alleged transferred loan to collect. XXXX XXXX will advise status of loan or communicate with me referencing the loan they 're alleging more than {$140000.00} past due. I 'm attaching statments and documents from XXXX to substantiate my claims.
I have a total of  XXXX  inquiries on all  XXXX  credit bureaus from various banks on.    XXXX / XXXX /   2016  I have contacted them and the credit bureaus, and nothing is being done.     I have not applied for credit with them. need to be removed from my credit report with  XXXX ,  XXXX  and  XXXX
I have applied for loan modification with Ocwen Loan Servicing back In XXXX of last year ( XXXX ). Throughout this process, they kept losing my documents and kept asking me to resend everything to them over and over again. They would make appointments for my relationship manager to call back and often they were either late or someone else who did not know much about my situation would call back. 
Every time I would submit whatever they have asked for I would get emails asking for the same stuff over again. Finally after taking over 6 months to process everything they told me everything has expired and I have to start all over. I had contacted them again and my Relationship Manager said : Dont you worry Sir, I will fill out paperwork again for you and all you have to do is esign it electronically. So that was done in the beginning of XXXX. Then I called her again and she told me everything is complete, it all looks excellent and you should get your modification within XXXX to 60 days. That is how we left it off. 
Needless to say I received XXXX letters from them shortly after : XXXX dated XXXX/XXXX/16 - Your File is complete and decision will be be made within 30 days XXXX dated XXXX/XXXX/2016 (!! 1 day later ) Your Loan Modification is denied because I did not show enough hardship???? - keep in mind their relationship manager filled out my paperwork in XXXX ( or somewhere off shore ) - and I have I have only XXXX options that they approved me for. ( short sale and deed in lieu of foreclosure ) XXXX letter dated XXXX/XXXX/XXXX (!! XXXX more day later than that ) - stating that Loan Modification is denied and there are NO OTHER options available As you can see, they have completely show here that either no one even reviewed anything in details ( XXXX letters in 3 days span ) or they have no intentions to grant modifications to anyone, never mind I was given illegal neg amort loan with robosigning and MERS. 

Yes true I received XXXX modification through HAMP before, but my spouse was XXXX after that and our lives were changed upside down after that event. She ended up having 6 months XXXX. This process required a lot money spent for co pays and services that were not covered by the insurance company. 
It is all better now and I am able to start making payments per terms of my original modification. However, OCWEN LOAN Servicing is acting in bad faith and not willing to even listen to me. 
I hope that CFPB can interfere and make things right here, I want to start making payments and put balance that I owe to the back of the loan. Please see what can be done!!! 

Thank you!!!
I have disputed these accounts many times. These account does n't belong to me. I am requesting these account be remove from my credit report.
The Equifax website confirmed that my personal data has been hacked. They are offering a free fraud alert at all three credit agencies, but it is only good for 90 days. I want a free CREDIT FREEZE at all three credit agencies for many years ( while the thieves could be using my data ). Not only do they NOT offer this free protection, there is NO WAY to speak to a human being at Equifax. The temporary phone number they have given is for a 3rd party agency that can not answer any of my questions, and is not willing to offer free freezes. The temporary phone number allows me to talk to a human being, but the only thing that human being is able to do is refer me to the website and other phone numbers that are PERPETUALLY busy. I am unable to contact them to DEMAND a free freeze all three agencies.
I am filling this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verifty the accounts i disputed.Being that they have gone pastthe 30 day mark and can not verifiy these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to -- -promptly delete all information which can not be verified.that i have desputed.Please resolve this manner as soon as possible.Thank yoi.
Following a deposit through an ATM of a Chase Bank, an unathorized withdrawal of {$400.00} was allowed in my account. The image of the deposit slip shows a signature that does not math nor does it display my name. After back and forth with the bank they will credit back the amount to my account but continue to say they will not follow up with finding out who was responsible at the branch for allowing the transaction and who was the person responsible for the theft.  Chase  does not protect your private information as they should and after making their mistakes they refuse to help in anyway the situation.
My mortgage servicing was sold to Ditech. For the second year in a row they have asked me to provide proof of condo building insurance. It took my insurance agent several weeks to resolve this last year. Last year they bought a policy for me even though my insurance agent was in the process of trying to get this straightened out. Ditech still has not refunded {$35.00} from scamming me last year. And now they are doing this again.
I have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so inXX/XX/XXXX they asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XXXX and another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this Thank you