WillisBack/dataset-financial-user-claim huggingface dataset:
I was summoned to court on XX/XX/XXXX for an unpaid balance owed to Mariner Finance. XXXX XXXX had contacted me on XX/XX/XXXX at XXXX to see if I wanted to make payment arrangements after they had already filed court papers against me. I advised him that I was going to make a payment on XX/XX/XXXX and that was not enough to satisfy my debt. I had called in to speak to XXXX XXXX on XX/XX/XXXX wanting to make payment arrangements for today and on XX/XX/XXXX in the amount of XXXX but he quickly advised me that was n't acceptable. The conversation got heated due to not coming to an agreement on a suitable payment arrangement and XXXX XXXX continued to over talk me. I felt very intimidated when he advised me that I owe them money and I need to pay it. He continued to over talk me and he advised me that I do n't need to be rude to him nor have any kickback. I advised him about my situation and the reason I was past due. I was in a near XXXX XXXX XXXX on XX/XX/XXXX in which I almost got XXXX in a XXXX XXXX XXXX due to the other party XXXX XXXX XXXX the XXXX and nearly XXXX me, his wife and child and maybe himself. I advised XXXX XXXX when I got my settlement back that I would pay this debt off and he kept asking me when I was getting it. I advised him that I was n't for sure. I understand XXXX XXXX has a job to do but that 's not the way to do it. I understand I owe my debt and I own up to my debt that is owed but that 's not the correct way to treat a consumer if they are at least trying to pay. People run into hard times but it seems as if XXXX XXXX is only wanting a paycheck and not wanting to help the consumer.
For years and years payments were made to Sallie Mae for my student loans. The Balance did NOTHING! At one point I decided I needed to go on an interest based repayment for over {$600.00} a month. During this time my loan collected nearly {$5000.00} dollar in interest! My payments were {$1100.00} a month. I would make a payment and then on my next billing cycle the balance on the principle would be {$1000.00} higher then the month before after making a payment of over {$1100.00}. When I would call I would spend hours on the phone with hours of that on hold and receive no answers for any of my questions or where this extra money on my balance had come from. On 6 different occasions I was told " this will have to be looked up manually. We will call you back! '' I have NEVER received a phone call from Sallie Mae unless to collect my money!!! At one point I asked to speak to a manager who also put me on hold and when he could not answer my questions he became agitated and hang up on me!!!!! OUTRAGEOUS! I am at a loss with this ignorance. There is no office to go to ... no extensions to speak with the same person twice. It is madness and Sallie Mae is corrupt and taking advantage of an entire generation of people!
XXXX XXXX/ XXXX  XXXX is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.
Wrongful Foreclosure, Unlawful Detainer and not including all documents in a Qualified Written Report request. So I could ascertain any and all issues. The attachments are everything I received in my QWR packet which I requested on XXXX XXXX XXXX. The report was run on XXXX XXXX and the DEED of TRUST was not signed over until XXXX XXXX XXXX on XX/XX/XXXX Also Banking Branch and Trust Co. did not have the Assignment of Deed of Trust until XXXX XXXX XXXX after the foreclosure process had been started. That is just a few issues I found once everything was done. There was nothing in the QWR about my REFI i did in XX/XX/XXXX but according to Banking Branch and Trust they already owned the debt. That is not everything but that is just some of the main points.
My mother, XXXX XXXX, opened a Capital One secured credit card with a credit limit of {$200.00}. My mother accidentally added me to her account as an authorized user. I called Capital One to remove me as an authorized user and to not report anything to any major credit bureau. The customer service agent and his supervisor assured me since the account was just opened and a first billing statement had not been generated that nothing would be reported to my credit. The other day I receive a credit alert informing me Capital One reported information on my mothers account that I 'm no longer an authorized user for.
On the XX/XX/XXXX i sold a part of my bitcoin capital to Coinbase ( https : //www.coinbase.com ). Coinbase has something called a 'EUR wallet ' which is something where your funds go to after selling. This happens instantly and after that you can withdraw the funds to your local bank account. It also works the other way around : you can send funds to the 'EUR wallet ' and after the deposit ( which takes 'x ' days like the withdraws ) it appears in your 'EUR wallet ', then you can buy bitcoins,  litecoins  or etherium with it. Now, what i had was XXXX euro in my EUR wallet. With transaction fee included it 's XXXX euro. On the XX/XX/XXXX my bank account was verified by Coinbase so i decided to transfer the full XXXX to my bank account. The transaction was confirmed and got an e-mail that funds will be send and will be received on the XX/XX/XXXX. A few days later the message appears on the Coinbase website that i could take up to 5 more business days for a transaction to appear in your bank account. That 's not a problem and i fully understood it because the selling volume went through the roof. On their site they say it will take up to 2 business days to transfer the money with a SEPA transaction, but if we add up the extra 5 days it equals to 7 days. If i submitted my withdraw on the XX/XX/XXXX and add 7 days to that we find that the XX/XX/XXXX should be the glorious day of the money coming into my bank account. However, today we are the XXXX ( day this was written ) and yet nothing has changed. The transaction status is still pending and if i check other forums i find other people with the same problem as me.
After several attempts of trying to dispute the following online that became unsuccessful. There are several inaccurate addresses currently reporting on my credit report that needs to be removed. XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, ok XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. As well as an employer that 's needs to be removed as well XXXX XXXX.
On XX/XX/XXXX, I sent, by XXXX, two money orders ( {$980.00} and {$1000.00} ) to Capital One Bank to deposit into my account. These money orders were received and depsoited into my account onXX/XX/XXXX. OnXX/XX/XXXX, the two money order deposits were reversed by Capital One. I called them and was told by a manager by the name of XXXX that the Federal Reserve had informed them that the money orders had already been deposited on XX/XX/XXXX at another bank. They were unable to unable to provide me with any further information as they said that the Federal Reserve did not provide any. I am now out {$1900.00} and Capital One is unable or unwilling to help even though I sent them the actual, physical money orders ( see attached documents ).
Equifax Credit Bureau is refusing to follow the 5 Days REINSERTION LETTER. I had a debt that was removed and deleted from my report ( XXXX XXXX XXXX {$1500.00} ) I applied for credit and noticed that the reason I was denied and the reason my score decreased by 100+ points were because of a collection debt, which is XXXX   XXXX , same creditor same amount that was removed previously.. So, I questioned the company why I did not receive an reinsertion letter? They're not giving me any responses. They just keep saying that they will begin an investigation but my concern is why every year I have to do an investigation on the same debt and why they are not communicating with me before they start adding deleted items on my credit report? This is my life and credit is a major issue in todays society. Please help me with my further steps ... I have contacted Equifax Management team, Fraud Dept, Equifax Disputing Dept and they are putting me on 50+ minute hold times and they hang up and say well the law is 30 day investigation. I'm saying and the law says 5 day reinsertion they ignore me on that law and Act ...
I am contacting your office to formally appeal the denial of the modification request for the property located at XXXX XXXX XXXX XXXX XXXX XXXX, CA. <P/>I received a written denial from Shellpoint based on NPV calculations that stated that I did not qualify for help. However, there were multiple errors made by Shellpoint in the data that was used to evaluate my request. These requests relate to the income used, as well as the appraised value that was listed on the form. These are obviously two MAJOR determining factors and the incorrect information used to conduct this evaluation renders the entire underwriting decision moot. <P/>Error # 1 : The file that was submitted in XX/XX/XXXX 2017 showed a significant change in financial circumstances and based on this, my monthly income average was {$35000.00} which is significantly HIGHER than the figure of {$25000.00} that was used in Shellpoint 's evaluation. <P/>Additionally, the property value that was used in their evaluation was listed as {$3.00} million dollars. However, I have correspondence from Shellpoint ( attached ) that clearly states that on XX/XX/XXXX Shellpoint acknowledged that the current property value was XXXX XXXX dollars. Now their appraiser and Shellpoint is attempting to state that the appraised value of this property increased over 1 million dollars in two months time. Not only is this inaccurate, it is mortgage fraud. <P/>It seems that Shellpoint is changing the rules of the game as we go and then hiding behind negative NPV as a reason for denial. They have changed the value of the property 3 times and over a million dollars each time. They have used inaccurate and outdated income figures to determine if I qualify for any assistance programs or plans. I understand there is a large delinquency but I deserve a fair and accurate review based on the information presented, not based on whatever value Shellpoint decides to use to back up their assertions. I thought that it was no illegal for appraisers to grossly inflate values in order to please the lender, yet it is obvious that is what is going on here
Navient admits to servicing three federal public loans that XXXX XXXX took out for college. These three loans are still reporting incorrectly on XXXX 's credit report. Even accepting Navient 's statement that these three loans defaulted in XX/XX/2013, the credit report still shows the three loans as " collection '' even thought they have been paid. following these entries, it says " account transferred or sold '' please fix the credit reporting by Navient to remove the " collection '' language.
XXXX is withholding ACH deposits due to a supposed glitch in their system, there are thousands of people who worked hard for their money and are not receiving their paychecks, myself included. This has been going on since Friday XX/XX/2018 with no timeframe in sight as to when we will receive our money. XXXX XXXX XXXX
I applied for a new car loan and was approved for an amount I could afford and that was the only reason I agreed to buy and leave  XXXX   XXXX  dealership in  XXXX , CA. The finance guy called me after a day o r 2 st ating that I needed to resign my loan with another finance company for a higher intetest rate.
I have sent 3 letters and countless phone calls about this issue. There are multiple inaccuracies with the Chapter XXXX that's reporting on my credit report. Last year I was told the information was verified and two months ago I sent a letter and wanted to know who verified it. I have yet to get a response. I called Missouri federal courts on XX/XX/18 and spoke with a clerk by the name of XXXX who stated typically those written complaints come to his office and he has no record of any validation request for me. I also pointed out that not only was my date of birth incorrect but two accounts showing in bankruptcy where never included in the bankruptcy yet reflecting on my credit report. So a year later I still have the same questions ... Where are the documents that you used to verify this Chapter XXXX bankruptcy? What is the name of the person in your company who verified this Chapter XXXX bankruptcy? What documents did they use to verify it? 
Please provide me with the name of that individual, their business address, and telephone number. Otherwise please remove this inaccuracy from my report.
I recently noticed that I was being changed a fee for card protection on my banana republic visa. The charges were occurring for since XX/XX/XXXX. According to Card Protection I was charged {$1400.00} in this almost 5 year period. They stated that during a conversation with Banana republic that I ordered this service. I absolutely did not. After I call they agreed to refund the amount.. I have no idea how much compound interest I paid for this scam and fraud. I never order this type of service. Due to fee all that I was paying on my account was taken up with the fee and interest. Therefore my Bill was going up and would most likely never be paid off.
My Daughter purchased a bed from XXXX sleep with her Chase Credit card. Then due to other Chase 's mess ups and lack of response on other issues related to her credit card she closed her Chase credit card which they finally did. 

In AXX/XX/XXXX, she returned the bed t Nectar sleep who have been trying to help her all along and informed her that she would get a full credit but it had to go back on the credit card. She told XXXX that the card was closed but they informed her they had to send it back to the card it came from. they have provided documentation of the refund which is attached. 

She then contacted Chase to get a refund at which time Chase started telling her the account had be closed and then purged and they could do nothing for her or that they never got the money and finally that they said they couldn't help anymore and not to email back because they would not respond to any more emails. 

We contacted XXXX and they confirmed they sent the refund but didn't get it rejected so it was still with Chase. 

We have attached copies of emails between XXXX and us and some of the emails between us and Chase for your review. 

She is out {$710.00} which she can not afford to lose. 

companies : XXXX - retailer who issued refund. 
Chase Credit card - card company who say they can't help us I am helping my daughter so I added my name as additional card holder because you had no other option below
I submitted a payment in XXXX 2016 for {$2500.00} that I intended to use towards my student interest deduction on the 2016 taxes. Earnest, my provider, did not process the payment and has admitted fault for the error. I have asked Earnest to pay me the deduction amount since I can no longer make the claim on my taxes ( I had no other student loan payments in 2016 ). They have refused to do so.
I am filing a legal suit against XXXX and Equifax because they dumped my credit record after a period of no activity, then improperly restored records with a " reported date '' that negatively affected my ability to qualify for a conventional mortgage loan. I need to know how long they are required to maintain consumer credit records.
I have received numerous calls from this number via automated dialer when you call back it states please hold, then a message comes up that there is no one available. When you do pick up the call they hang up. I have called the company to advise them if they do call they will fined by law {$500.00} per phone call which is applicable. I have received multiple calls per day from this number. Which I have records of. Spoke to manager who said they will stop contact but he did not ask for a number to be removed.
Santander Consumer USA is the lender : The short story is we bought a car a 2010 XXXX XXXX for {$18.00} on XXXX, the loan was set at XXXX percent interest. Since that time we have been late almost every Month with hardships after getting laid off. They repo 'd the car and chrged us an extra XXXX repo fee. 
My wife was n't making the payments and I was giving her money to make them, they repo 'd me again last month and charged me more lates fees and a XXXX dollar repo fee again. Now XXXX the bank says I owe XXXX for a car that only blue books for XXXX. and they wont work with me on a buy out for a lesser amount they wont waive fees or work with me at all. I want to let them take the car but I know that wont help my credit history and they will come back and say I owe them more new late fees and maybe XXXX. They do n't keep the records correct the statements are a mess, the company has many many many complaints. Why is our Government allowing Santander to do this to hard working Americans? The car will cost me over {$400000.00} by the time I pay it off and it 's only worth XXXX. What a joke our system is to even allow this kind of robbery. I offered them XXXX to pay it off and they refused? XXXX XXXX? Are they from XXXX? This is why we have people trying to beat the system because the system is not working for the people. If anyone looked at my account they would see that I am being taken to the cleaners. I need help please. Thank you. XXXX XXXX
My loan from XXXX XXXX XXXX was sold to another lender when the DOJ Settlement happened so they did not have to modify my negative amortization loan. The new lender servicer has refused to modify my loan even though they have all the information they need. They are proceeding to foreclosure without mediation, acknowledging my loan mod docs, or even a large down payment to reinstate my loan. The attorneys for them are a foreclosure mill and will not acknowledge receipt of any information. I would like a mediation or intervention to resolve the case.
I graduated XXXX school in XX/XX/XXXXand finished residency in XX/XX/XXXX. My student loans came due before I finished so I had to consolidate because otherwise our monthly cash flow would be unsustainable. The original amount was ~ {$110000.00} and the interest rate was ~6 % which was the weighted average of the interest rates of all the individual loans I initially signed. I signed up for auto pay and received a slightly lower interest rate ( 5.75 % ) and a {$4000.00} onetime bonus. At that time, the holder of the loans was XXXX XXXX ( I believe ) who then sold it to XXXX  who held them for about 12 years. The consolidated payment was $ XXXX/month but I began paying {$770.00} in an effort to reduce the principal. More recently, XXXX sold the loans to Nelnet and my first monthly statement from them showed my minimum monthly payment was {$770.00}. This alarmed me because I wanted to insure that the extra $ XXXX/month was credited to the principal to keep paying it down. I called Nelnet about the change and was reassured that the actual monthly payment due was still {$660.00} and that my extra payment was going to the principal. Just today however, I contacted a lender about refinancing one of my houses and during the information gathering, he told me ( while looking online at my credit score, loans and other financial obligations ) that the Nelnet loans ( I was unaware that there were actually 2 loans since I have only been making 1 payment the entire time ) had an interest rate of 7.4 %!! None of my individual, original loans had an interest rate this high! I've been making steady payments for over 15 years and have never missed a payment. I realize that amortization loans have high upfront interest payments but my outstanding balance of {$74000.00} still seems like an enormous amount given the fact that I've been making $ 101/month extra principal payments for over 5 years. I'm so upset and feel like I've been cheated by XXXX or Nelnet and didn't know where else to turn. The lender with whom I was speaking told me about CFPB so I'm reaching out to see if I can get clarity on this issue. I want to believe in organizational integrity and the general honor of mankind so I hope this is just a misunderstanding on my part. My fear is that my payment of {$770.00} was adopted by Nelnet as the minimum amount and that the interest rate was altered to extrapolate that over the term. Any clarity on these matters would be so welcome and would really bring peace to my heart.
I sent a letter o  X/XX/2017    to the credit Bureaus asking them to have convergent provide proof that the  XXXX  bill account is indeed mine. On  X/XX/2017    I receive a letter from Convergent stating that they investigated and the account is mine and the attached  XXXX  bill is validation. According to the FCRA this account has to be verified and submitting a bill is not verifying that this debt is mine. Where is the signed contract, with my photo id?
BB & T decided that they would investigate my checking account that I had with them in 2013. I was not recording my transactions accurately to where I was under the impression that I had available funds in the account when I did n't. During that time I also had an account with XXXX XXXX that I just opened because I did n't like the way that I was being treated at BB & T. BB & T closed by account because I was always negative and decided to inform XXXX XXXX who froze my money. I had to wait 7 DAYS in order to get my own money released to me. Then XXXX XXXX closed my account because of BB & T. Its really crazy because every time I go into XXXX XXXX, they offer me to open an account with them. I never ever want to do business with XXXX XXXX or BB & T ever again. I also make sure that when I hear consumers going to open accounts with them, I tell them of my story and they change their minds.
Every day I receive harassing phone calls from Bank of America, Collections Dept. regarding when I will send in my mortgage payment. According to my mortgage agreement my payment is due the first of each month and late after XX/XX/XXXX. I make the payment between the XXXX - XXXX of each month. I want all harassing calls from BoA to stop now!
first and foremost I thank this company for keeping my information safe. The reason for my writing is to inform you that I wrote to this company on XXXX18 to request the removal of a fraud alert on my report. 

On seeing that they were not responding on my request. I even went a step further to call this company and they agreed to delete the Fraud alert only not to honor my request to date. 

I am attaching the request I sent them earlier as proof of my willingness to have this issue resolved. 

For yet another time please remove the fraud alert on my report as soon as possible.