WillisBack/dataset-financial-user-claim huggingface dataset:
I had a Federal Student loan with the XXXX XXXX XXXX XXXX that went into default and they began to garnish my paycheck until the loan was paid off in full. The final payment was made over a year ago. In fact I over paid on the loan and received several refund checks from the US treasury department to repay back the over payment. A few months ago I was informed by my mortgage lender that I had an unpaid student loan appearing on my credit report. I thought he must be seriously mistaken but there was a balance of {$180.00} added to a school loan and it stated it was unsettled. I reached out to the XXXX XXXX XXXX XXXX about what was appearing on my report as well as disputed the era with XXXX. I was told by XXXX XXXX XXXX that my acct was categorized incorrectly and they would have to correct it and should reflect correctly in 7 days. I waited two weeks and called them back and the era had not been corrected. I was reassured that the problem would be corrected and was told this time that it only takes two days. My lender ran a check of my profile on some system ( due to me applying a gov backed loan ) and my name was cleared after two days. My XXXX report was corrected as well. However, now on my experian report it is saying that I failed to make a payment on the acct this year. The acct was satisfied last year and there should not be anything due. They owed me. Now experian is not allowing me to dispute this acct again because I disputed it previously. My fear now included that XXXX will be the next one receiving incorrect information on my report. This has cost me two homes in this home buying process. Please help
The lawyer filed the paper work stating that I have been served paper work to appearing court for a collection on a debt that I owe. I never had anyone from a court serve me paper work in person. I found out later that a judgement has been issued for me to pay, so I 'm filing a complaint against the law firm.
In XXXX-XX/XX/XXXX, I purchased new kitchen cabinets, new counter tops and installation services through Home Depot - approximately {$65000.00} in goods and services, {$30000.00} of which was placed on a Home Depot Credit Card. Besides the facts that ( 1 ) we now are six and a half months into what should have been a six-week installation and ( 2 ) Home Depot 's partner contractors destroyed the cabinet doors when installing hardware and have been slow to get my replacement doors to me ( they reportedly were ordered and shipped to the local XXXX, VA store ), the company 's management from local to regional and up through the corporate level has been dragging their feet in issuing refunds due to me. The itemized list of refunds amounts to approximately {$5000.00} and this does not include the compensation I have been requesting for delays, failure of project manager to perform his job, loss of time at work, emotional distress, etc. 

The itemized list of monies due back to me include : {$1000.00} promised beginning on multiple dates between XX/XX/XXXX and XX/XX/XXXX by several Home Depot employees ( XXXX, XXXX and XXXX ) for me to use cabinets that had been misordered by XXXX and XXXX ; {$840.00} promised beginning on multiple dates between XX/XX/XXXX and XX/XX/XXXX by several Home Depot employees ( XXXX and XXXX ) for the labor to modify the misordered cabinets for use according to kitchen design ; unknown amount to be refunded for difference in price of cabinet ordered ( with a drawer ) and cabinet that should have been ordered ( no drawer ) and which required customized modifications ; {$1500.00} refund of prepaid monies for partner contractor to install backsplash ( partner contractor did not install backsplash - another vendor did at an additional expense to me ) ; unidentified amount in refund of prepaid monies for partner contractor to install hardware ( they did not complete work after being called out for destroying 42 cabinet doors ) ; {$560.00} for materials that went missing from house and could not be accounted for by partner contractor ( Regional leader XXXX XXXX told me Home Depot would refund this money to me on XX/XX/XXXX ) ; {$750.00} for unused customized and nonrefundable mouldings due to poor communication between design team and installers ( Regional leader XXXX XXXX told me Home Depot would refund this money to me on XX/XX/XXXX ) ; and the compensation I have been requesting for delays, failure of project manager to perform his job, loss of time at work, emotional distress, etc. 

Members of the Kitchen design team ( XXXX, XXXX and XXXX ), XXXX XXXX of the XXXX store, XXXX XXXX of the XXXX Virginia region, members of the partner contractor, HD customer care, HD 's general counsel, HD 's EVP of home installations and HD 's CEO all have been made aware of these issues and requests. None have been properly responsive or accountable. They either ignore my communications and requests, tell me someone else will contact me but no one does or simply run me around in circles.
I 'm complaining against Equifax for their negligence in not making sure that my credit report is accurate after I have proven to them time and again that they are reporting these XXXX public records inaccuratey. I am including the letter that I sent to them as well as my credit report. Here is the body of my letter to Equifax : *you can see the public records section on page XXXX of the report XXXX XXXX XXXX I 'm including the proof that you have the date filed as a nonexistent " XXXX/XXXX/001 '' as well as the court that you have listed must be accurate which it is not - " XXXX ''? XXXX what? You also have no plaintiff! 

XXXX XXXX I 'm including the proof that you have the date filed as a nonexistent " XXXX/XXXX/0001 '' as well as the court that you have listed must be accurate which it is not - " XXXX count ''? I 'm also including the proof that this account is paid and that you are reporting a balance when it has been XXXX released and paid! You also have no plaintiff!
I opened a new Citibank Checking account in XX/XX/2018 in response to a promotional offer. The offer was to open a Citibank Account with {$15000.00} and receive {$400.00} once all conditions were met. As of XX/XX/2018 the terms and requirements were met on my side. I have been in contact with Citibank multiple times with no resolution.
Dear support, my wallet and account are disabled for sell and by operations. After I received on XXXX XXXX the deposit from coinbase, the same wallet has been disabled in all operations.
On XX/XX/XXXX XXXX pm, I received a recorded phone message that stated it was for me and then continued to discuss information related to their business with me, stating that they would recommend action against me, etc if I did not respond. I pushed " XXXX '' to speak with a person to get their contact information to send a CEASE AND DESIST letter. The lady who answered was very rude and refused to identify herself nor the company. She hung up on me once I tried to get the address. She also had such a horrible attitude with me and asked " Who do you think you 're talking to? '' at one point. I contacted the company again and was able to get their name and address.
To : Consumer Disputes and Compliance Dept, This letter is a formal complaint that you are reporting false, incorrect credit information. 

I am really distraught that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. It is your companies duty that every step must be taken to assure the information reported is completely accurate and correct.These items below are not correct and are keeping me from from purchasing my 1st home. 

I would like these items immediately re-investigated as the items below are erroneous, inaccurate, incorrect and falsely reported accounts. 

1. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

2. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

3. I am the wrong consumer for this item. This is not mine XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Account Number : XXXX This is not my student loan and should not be on my credit report. This belongs to someone else. Please provide proof of a contract signed by me or remove it from my credit report.
Affidavit of Demand by XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : Premium Credit Bureau XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my XXXX attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within XXXX days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
I have disputed this debt from Diversified XXXX because I have no knowledge of this account. I have disputed this debt with the major credit bureaus and as a result, this collection was deleted from my account. I am still receiving threatening and harassing phone calls from this company on my cellular number, and they are also contacting my wife 's cell number and being very rude and menacing.
I was offered a bonus if I opened an account with Citibank and sent them a substantial amount of funds. After meeting all of Citibank 's requirements they have not yet paid me the bonus which is past due.
I disputed debt XXXX from my credit report and it was removed on XX/XX/XXXX under debt collector XXXX, XX/XX/XXXX under XXXX debt collector, XXXX/XXXX/XXXX under debt collector XXXX, and XX/XX/XXXX under debt collector XXXX. Now another creditor-Pendrick Capital Partners XXXX have placed the debt back on my credit report without notice or validation of debt
I believe my XXXX XXXX XXXX XXXX XXXX ( XXXX ) Charter One Bank private student loan is part of the lawsuit against XXXX  for fraudulent collections. I also believe there is supposed to be an audit occurring on those false judgments per the order of the Consumer Financial Protection Bureau lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, I took out a {$15000.00} private student loan through XXXX XXXX XXXX XXXX XXXX, the lender was Charter One bank. In XX/XX/XXXX, I have documentation showing I took out another {$15000.00} private student loan. I do not know if it was through XXXX, but the lender was Citizens bank. I had been making payments on the XXXX Charter One student loan until I became unemployed in XX/XX/XXXX. I believe these payments were made to XXXX XXXX XXXX ( XXXX ) at that time. In early XX/XX/XXXX, I started receiving legal documents as attempt to collect debt for the XXXX XXXX XXXX loan. It resulted in a judgment placed against me by XXXX. The XXXX XXXX lawsuit matches the information in the complaint and judgment I received. I have been making payments for the XXXX Charter One loan to a collections law firm, XXXX and XXXX, XXXX since XX/XX/XXXX. XXXX and XXXX have made several different payment arrangements with me as I attempt to manage my XXXX Bank private student loan and government student loans. I currently make monthly payments directly to XXXX and XXXX ( through automatic withdrawal from my checking account ). XXXX and XXXX have stated they will review my income annually and adjust my payment plan accordingly. 

I have no recollection of making any payments toward or receiving collection notices on my Citizens Bank private student loan until XX/XX/XXXX and am curious why it took them so long to attempt to collect from me. 

A friend recently advised me to stop paying XXXX and XXXX and file a complaint with the Consumer Financial Protection Bureau to determine if XXXX and XXXX is supposed to be collecting payments on behalf of XXXX and the Charter One loan. My friend informed me that XXXX is not a collection bureau or a lender, and therefore, placed a judgment against me illegally. 

I would like to know/understand what is going on with XXXX and who I am supposed to be making my Charter One private student loan payments to and if I can get my money back if my payments have been handled improperly. I would also like to know if my Citizens Bank private student loan is associated with XXXX. Id like to try to refinance my private student loans, but it seems undetermined if my XXXX/Charter One judgment is legal.
the credit agency Experian, XXXX and XXXX are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our ChapterXXXX XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.
On XX/XX/XXXX of XXXX XXXX XXXX reported to XXXX that my account payment status is pays account as agreed, Balance update was XX/XX/XXXX of XXXX. Account closed. 
Now here it is XX/XX/XXXX XXXX XXXX and XXXX XXXX is reporting on XXXX and XXXX that Payment Status is Bad debt & placed for collection & skip Status Updated XX/XX/XXXX. 
This is totally wrong to report for almost 4 years as a account being paid as agreed and then change it to a negative status and keep on record till XXXX. 
Please help get XXXX and XXXX showing a good status as XXXX XXXX reports are wrong and for 4 years I was in good standings and now I am negative???
I have ask Transunion to delete negative information from my report. Transunion send me my disputing results were it saids that all negative personal information has been deleted but has not been done as described under the Results column.
I went to the shop called XXXX on XXXX XXXX to get my car fixed, it was on XX/XX/2015.The owner put me on a plan called flexpay plus, after taking me {$200.00} cash only, no receipt was given, for me it was red light.then the rest was supposed to be pay within 90 days or by refinance with high interest,XXXX weeks after i scheduled to pay off the loan within 90 days, they called me and said that they made mistake on the amount that i own them that it should be higher, i said ok, then i have chosen to pay them one time payment in my convenience day but before 90days expired, they did not like it and they start those abuses listed at the bottom 1-They call me all the time. 
2-when they call me and i pick up the phone, there is nobody to talk with me, i listen the music and the voice of lady talking until it tell me press 1 to leave a message and we will call you back 3-they harass me all the time 4-their practices are just illegal Starting i thought i was dealing with XXXX then i found myself dealing with montereyfinancial only few days after signing the contract with XXXX
I was defrauded by the school ( XXXX College ). I was told I would qualify for grants that I did not qualify for and was faced with major student loans due to the illegal practices made my Sallie mae ( XXXX ).
I applied for a Chase card including balance transfer, and received a letter to call the company for the application to be reviewed. On the phone, I was approved for the card and told the specifics. I told the person that I did not want to move forward with the card. A week later I received a letter in the mail that my balance had been transferred. When I called they refused to delete my account, and only said it could be closed, even though I never opened it. Apparently they go forward processing balance transfers and the card even if you say that you do not want to move forward. This opening / closing will reflect on my credit - I want it completely removed since I never agreed to open it and further specifically stated that I did not want the card.
On XXXX XXXX, XXXX cashed a check in settlement of money owned. We received a notice from a creditor, Financial Data Systems, XXXX, that XXXX passed our account to them for collection due to non-payment. Prior to this notice, we received no second or third notice of non-payment from XXXX, and we had no reason to believe after the check was cashed that there was any potential issue with the account or XXXX accounting. We contacted XXXX XXXX on XXXX XXXX, and they stated they would open an investigation and have a superior call us. We contacted Financial Data Systems, XXXX to inform them of the error, and Financial Data Systems, XXXX stated they would await notification from XXXX XXXX XXXX On follow up on XXXX XXXX, no investigation had been started by XXXX XXXX XXXX Re-requested both an investigation and a call back from the supervisor. We continue to be at risk of Financial Data Systems, XXXX filing derogatory payment data to credit reporting agencies due to this error despite being pro-active and aggressive in seeking a resolution. All consumers working with XXXX for medical billing should copy / scan all payments before mailing and keep a copy of the cancelled check ( front and back ) on record. At the time of this complaint, the issue remains unresolved.
A company called XXXX XXXX XXXX keeps calling my home looking for someone i do not even know. I had explained to them that i had just received a new number from the phone company and that they now had the wrong number for the person they are looking for. The man on the phone called me a liar and they continue to call even after i told them not to call my home, and that they have the wrong number and that no one lives here by that name and that i dont know any person by that name they sill call over and over again!!!
Navy Federal Credit Union knowing there was a class action suit againsr them which i remember applying but cant find my paperwork.Garnish my wages at the time i was unrmployed and had XXXX dollars in the bank.I was getting unemployment and social sercurity it is the only money i had.The bank XXXX Bank allowed them and charged me bank fees for garnishment and return check fees. I was not informed. In advance the XXXX XXXX XXXX navy federal refused to take my calls. I had to go to court and pay to file papers to get the garnishment off my account. My orignal balance for a credit card was XXXX now it is at XXXX dollars.I have been unemployed since XX/XX/2016 the law firm of XXXX XXXX XXXX PA XXXX Fl has call me every month asking for payment. I had to close my account at regions because i am afraid they will take my social security benefits my unemployment has stop after XXXX weeks. I am concern now with the information i am working. they will take my money again. I have not been able to pay my mortgage and my utilities bills on time .I lost my car and life insurance because i am not able to pay the installments.I know there is a class action suit against them and they know it but continue to harress me.
JP MORGAN CHASE AUTO FINANCE DEPARTMENT APPROVED {$18000.00} ,72 MONTHS TERM .ON XX/XX/2017 I PUCHASED A XXXX XXXX XXXXXXXX XXXX AFTER PRINTING THE APPROVAL AND TAKING IT TO XXXX XXXX . 
CHASE SENT A NEW LETTER TO ME ABOUT THE LOAN STATING XXXX XXXX HAD THE AMOUNT WRONG AND THEY WILL NOT FINANCE {$18000.00}. 
XXXX XXXX FINANCE DEPARTMENT STATED CHASE PAYED THE {$18000.00} IN FULL. 
I NEED TO UNDERSTAND WHAT ARE MY TERMS AND THE CORRECT AGREEMENT FROM JP MORGAN CHASE? 
NO ONE CAN TELL MY THE CORRECT AMOUNT IM PAYING MONTLY? 
AND AFTER THE LOAN IS PAID OUT WILL I STILL OWN FOR MY TITLE?
So they are back at it!!! I spoke with a employee at my sons bank to understand how my son cashed a check I wrote to him could be presented on XXXX XXXX when I clearly gave him the check Saturday XXXX XXXX,2015 I saw the copy and realized I dated the check incorrect I thought Saturday was XXXX XXXX instead of XXXX XXXX ... Wells Fargo saw the date on the check and hit me with a {$35.00} overdraft fee!! The check was cashed on XXXX XXXX!! The funds were avalible on XXXX XXXX!!! I am disgusted with these sneaky tactics!!! And when I tried to click on the check image the Well Fargo site wo n't allow me to view the image
I opened a Chase XXXX checking account on XXXX XXXX of 2016. I wanted to use a coupon offer I received in the mail for {$300.00}, I provided the coupon when I opened the account. I have met all the requirements that were required to receive the {$300.00} bonus, I have asked several times for them to honor the coupon and my requests have been ignored. It has been nearly 3 months and I have yet to receive the {$300.00} bonus that Chase has promised me. I have no choice but to file a complaint with the CFPB.
I paid my first mortgage payment on XXXX/XXXX/2016. I was therefore completely current. Per my mortgage documents, I can pay off any amount of principal of my choosing as long as I am current, without any penalty. I submitted a principal payment of {$1100.00} on XXXX/XXXX/2016 before XXXX EST. The payment was clearly indicated in Chase 's system to be a principal only payment ( see attached documentation ). Supporting documentation will also show that the payment posted on XXXX/XXXX/2016. As of XXXX/XXXX/2016 my principal payment has not been reduced by any of this amount. The funds have been posted to suspense and remain completely unapplied ( see supporting documentation ). The XXXX/XXXX/2016 regular monthly payment has therefore also been applied incorrectly as it is calculating based upon an overstated principal balance. I have contacted Chase customer service on XXXX/XXXX/2016, XXXX/XXXX/2016, and XXXX/XXXX/2016. In short, the representatives have advised me that they were processing the correction. One representative told me it would take 24 hours to correct. Another advised it would take up to two business days. Based upon the initial notification on XXXX/XXXX/2016 we are now on the third business day with no resolution. I have lost faith that Chase will ever correctly reverse the XXXX/XXXX/2016 regular monthly payment, apply the {$1100.00} principal payment effective XXXX/XXXX/2016, and correctly post the XXXX/XXXX/2016 regular monthly payment based upon the correct, lower principal balance as of XXXX/XXXX/2016. In addition to giving me no credit for my principal payment, the XXXX/XXXX/2016 paid too much interest and not enough principal as a result of this error.