WillisBack/dataset-financial-user-claim huggingface dataset:
I filed disputes with Equifax on XXXX XXXX,2017. They sent me emails that confirmations XXXX and XXXX were ready for me to retrieve them on X/XX/2017 and X/XX/2017. However, every time I go to their website to retrieve the results I am not able to access them because their website has been down for weeks now. I 've even called them a few times about this and every time I call they say the some thing. They say they are doing maintenance on the website and it should be back up within 48 hours. They 've been telling me that now for weeks. As of this morning it is still down.
Paypal was going swell for a moment until they limited my account an put a hold on my funds for no apparent reason I had to send them all my personal information and I feel very much embarrassed
A few months ago I was informed by both XXXX and Navient that Navient is purchasing my 2 private student loans from XXXX. I was told that this would occur in XX/XX/XXXX with my first Navient payment being due XX/XX/XXXX. I was enrolled in automatic payments with XXXX. When my loans transferred to Naivent, so did my automatic payments and bank information ( without my approval or knowledge ). 

On XX/XX/XXXX Naivent emailed me to remind me that my payments of {$180.00} and {$160.00} are due on XX/XX/XXXX but I never received any kind of billing statement via mail or email. The email states " ... here 's a friendly reminder that your Monthly Payment is due soon. This is not a bill. '' There was a link to my account inbox where my loan statements should be but when I log in it simply says " No Correspondence History is Available to View '' in red letters. 

On XX/XX/XXXX Naivent automatically took the payments of {$180.00} and {$160.00} out of my bank account account without ever issuing any kind of statement. 

On XX/XX/XXXX I called Navient and spoke with a customer service representative who informed me that since my loans were newly transferred, my information was still being loaded into the system and that it takes time. He told me to call back after XX/XX/XXXX and all my statements and information will be online. 

On XX/XX/XXXX I received another email from Navient reminding me that my monthly payments of {$180.00} and {$160.00} are due XX/XX/XXXX. This email looked exactly like the last email stating " ... here 's a friendly reminder that your Monthly Payment is due soon. This is not a bill. '' I then logged onto my Navient account to download my statements for this upcoming due date and again, there was a notice in the inbox that said in red letters " No Correspondence History is Available to View ''. I called Navient customer service a second time and asked when I will be getting a billing statement and how I will get it. I was told that it will be coming via US Mail and that the paper statements are mailed the same day that the reminder email goes out and that it will be arriving in a few days. She could not tell me when/if my statements would be posted online. 

On XX/XX/XXXX I still have not gotten any kind of billing statement through the mail or electronically. The inbox in my online account still says " No Correspondence History is Available to View ''. My autopay is still set up and ready to be processed for the due date on XX/XX/XXXX but I still do not have access to any billing statements, their office is closed and there is no way to put in a request for service via their customer service line or online account.
i have on several occasion had to pay less than what was due on this account at tower loan in XXXX, XXXX , i keep it as caught up as my finances will allow without just blathing not paying it at all, i get repeated rude intemdating calls from this branch and all of its employees including the branch manger who went so far as drive to my home where my children were to leave me a note taped to my door, then i was informed that he was in fact allowed to do so. they contiue to call me with rude, intemdating calls repeated calls and even call my place of work after being told not to do so. 

even when my account is caught up my balance is substanilly higher than it should be it seems like no matter what i pay the balance never changes. XXXX XXXX, XXXX and XXXX are all part of the calls that are not professoinal at all.
This is a follow-up to a previous complaint with your agency. That complaint # is  XXXX . I had a mortgage on my home serviced by   XXXX   XXXX    based in  XXXX , FL, at the time that m y HOA file d a foreclosure suit against me over disputed  HOA  fees. Within days of this occurrence,   XXXX   sold the loan to a company called Green Tree Servicing, which has since changed its name to  Ditech. Ditech  is my current loan servicer. The summary of my dispute is captured in a letter I sent to  Ditech  dated  XXXX   XXXX ,   XXXX  , which is the last of several letters I wrote to them. I include it as an attachment below. I never received a response to this letter, and so I assumed the matter had simply gone away. However, starting in  XXXX    XXXX  , I saw on my mortgage statement that there was a separate charge of {$80.00}. I thought this had something to do with the escrow shortage. I finally call ed Ditech  a week ago to find out exactly what this charge is. I now discover it is to cover the legal f ees that I had disputed in my earlier complaint and that I continue to dispute. In other words, Ditech is tacking this extra charge on to capture these fee s which I contend should never have been incurred in the first place. So in fact, my complaint has still not been resolved to my satisfaction. They simply decided to ignore this last letter dated  XXXX / XXXX /  XXXX  !
Back In XX/XX/XXXX or XX/XX/XXXX of this year I sent a validation letter to the company advising this debt was not mine. I then sent them another letter on XX/XX/2018 which provided proof that the account they have on my credit file is not mine, they still did not respond. I filed a complaint on XX/XX/18 in which they finally responded saying they would remove from my collection file as well as they would send me a fraud packet. To this date neither was done, this account is still on my credit file and I never received the packet they claimed they would send.
They call me several times a day from different numbers including XXXX. They do not send postal mail. They refuse to stop calling.
All Medical bills Since 2000 are not my responsibility as they were either paid through workman 's comp or through Medicaid and Medicare. They are trying to collect more money than what has been agreed upon through the contracs they have with these agencies. I have receipts from BC/BS ( My HMO or through other HMO 's which is part of Medicare A and B.
My XXXX account was transferred to Nationstar Mortgage on XX/XX/XXXX. The first issue I had was trying to get them to report my credit. This took 5 Months. They reported the Balance incorrectly, They reported the High Credit incorrectly, They reported the Term incorrectly, They reported late payment in which I never had Incorrectly. I disputed each and every incorrect report to all XXXX credit bureaus. Which I have internet and Alert with each of these XXXX. XXXX, XXXX and XXXX .. I pay for it every month. Nationstar would only correct XXXX Item when I was disputing XXXX. Then After correcting My Balance and High Credit then the would they would report My original balance and term incorrectly. Then they would would correct My term and my original Balance correctly and then report that I have only been paying for 1 month when I havent missed or been late since XX/XX/XXXX when the loan was modifed. This bank is costing me 1000s of dollars ..on My Insurance, My loans, my car payments etc. Now today I found out they have fixed everything on my credit report and are now reporting it as a closed account.. This is credit sabotage. I called them this morning and they confirmed they have NOT closed my Account and or transfered it. I have my latest Statement for XX/XX/XXXX and it shows my account open and on time ... I even printed out my transaction statement and I have not been late and I am current. This continues sabatage of My credit By this institution should be held accountable and have to pay me for my losses. The FCRA states that incorrectly reporting my credit is a FEDERAL OFFENSE .. I expect them to pay ... Even when they get some things right they turn around and reoprt it wrong the following month
Hi there, I was one of the ~150 million affected by the XXXX breach. This was my experience trying to clean up the mess for myself. 

1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation. 
2. XXXX XXXX language is vague and misleading. Something along the lines of " you may have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine. 
3. When trying to fix the problem at both XXXX and TransUnion, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar. 
5. I have a {$10.00} charge from XXXX on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and XXXX XXXX line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for XXXX and TransUnion to freeze my credit.
Debt was handled in 1999 and has been solved to many collectors over the past 15 years. I have explained this to each one they are buying dead leads.
I have requested " VALIDATATION & Not Verification '' of this debt for on months ... Have yet to seen the proof as required by the Federal Law. These are not my accounts! 

There are accounts own my credit report destroying my credit report from : M.G. Credit account # XXXX account # XXXX account # XXXX account # XXXX My score was just an XXXX on XXXX and not XXXX because these accounts updated as " Late '' ; however the accounts are " Closed '' Please provide legal of lawyers to speak with about this matters as well.
I opened the saving account with BOA in XXXX and at that time there was no service fee associated with it. However I just realized that starting from XXXX XXXX, BOA started charging fee on my account without any notification or justification. I understand bank XXXX change its policy to make more money, but at least it should have their customers being aware of. If I were informed, I might act accordingly to avoid that fee. I called BOA and after explaining the issue to the customer representative, XXXX put me on a very very long hold. So far the issue is still not resolved. I would not mind paying any legitimate fees but what BOA does makes me feel sick. I feel very insecure banking with BOA as the bank would charge me erratic fees without even telling.
I currently have a collection account on my credit report from portfolio reconvert associates,  LLC Re  :  XXXX  Please be advised that I am disputing these collections due to the fact that Portfolio Recovery does not currently have a license to collect debts in the state of   XXXX   XXXX   XXXX   XXXX  according to   XXXX   XXXX   XXXX   office of financial regulations. I am requesting that you delete this account from my credit report or provide me physical proof that they are licensed to collect debt in  XXXX .
XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ;  XXXX , TransUnion, and  XXXX . This is  Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately .
In XX/XX/XXXX I took a title loan for {$2000.00} with Loanmart through a Payday store. I paid $ 220.00+ a month for three years. On XX/XX/XXXX I made my last payment to them. It was hopeless my balance was $ 5000.00+. The vehicle is a XXXX van. The vehicle has not been registered since XXXX no insurance. It has been sitting for six years. I contacted Loanmart two years ago and was told they do n't want the vehicle and if I do n't have any money to pay them there is nothing to discuss! Recently I 've been searching on what I can do, I ca n't leave the vehicle parked any longer. For the last year I 've been receiving email as advertisement from Loanmart in my spam folder which are settlement offers. I received XXXX in my inbox a few weeks ago advertising 30 % off, now I do n't know if that is off the payoff {$5000.00} the principal {$1700.00}, interest bal {$3200.00}. I 'm working through XXXX, but I 'm getting no where. I 've been emailing them for a solution and over and over they would n't tell me unless I called them. Ill not speak to them from prior phone conversations I get to upset. So finally I wrote a letter not so nice and finally got a answer from the supervisor with an offer for {$1200.00} XXXX lump sum. That 's the 30 % off offer. I 'm now a senior citizen on Social security and do n't have {$1200.00} more money to give them for what? The vehicle is broken, no tires, cracked Windows, check engine light on, transmission something is wrong. It has n't been started for 6years. XXXX is {$2000.00} in good condition, so why would I give them {$1200.00}? I do n't understand. They have n't contacted me since my last payment in XXXX, only the spam emails. In XXXX they continue to charge monthly {$200.00} + {$10.00} late fee until XXXX on XXXX they stopped late charges, XXXX, XXXX, XXXX, XXXX, XXXX they charged me anywhere from {$44.00} to {$59.00} a month for five years! I do n't know what that charge is? I do n't know what to do at this point. Ill not give them another XXXX, they wo n't give me the title. I 'm in collections for a write off! The vehicle sits! When I took the loan none of any of this was explained. It seemed like a normal loan, but the balance owing was growing faster then my payments. I have paid them over {$6000.00}. One of the big reasons I quit paying and did n't pay the registration was they told me they were going to repo the vehicle. They never came ... What can I do with the vehicle, I would like to try and fix it because I do n't have a car now. But, if they want to keep the title they need to come get their vehicle. It ca n't sit any longer! I would appreciate any advice you can offer me or help settling this horrible mistake I 've made. I 've documents if you need them. Thank You
I was looking to consolidate my student loans and hoping to get some of my loans forgiven. A third party company, Premier Student Loans, reached out to me stating that they were going to handle my loans and that there would be a {$0.00} payment towards my loans for 10 years unless I want to make payments. After the 10 years, all of my student loans would be forgiven. The only catch is that I have to make 6 payments of $ XXXX/month so they can certify that my loan payment is {$0.00}. After that, it would be $ XXXX/month for the next 10 years, but that will not go for my loans, only in their pockets. What I later realized, was that my loans are serviced through XXXX XXXX, and this particular third party company is not affiliated with XXXX XXXX. XXXX XXXX did see my balance of {$0.00} towards my student loans, but did not see any other transactions taken out. I am in a grace period, and I am not required to make any payments at this time, so this company took over {$1100.00} of my money that is not even going towards my student loans. I am a XXXX and unless you have been XXXX for 5 years, loans can not be forgiven. I have only been XXXX for 3 years, so I was given misled information.
My wife and I have had this loan for a number of years. It was issued to us in conjunction with the refinancing of our home. We recognize that the high interest rate makes it difficult to pay down the princple. We have payed consistently on time with no problem. When we have asked to be considered for a lower rate so we can add extra to the payment we are put off with " its not the kind of loan that can be lowered '' or they can perhaps consider it at a later date. I believe that it is because we have a good payment history and Wells Fargo sees us as a consistent payer and it is to their benefit to keep us in the higher interest rate. We are not asking for any reduction in the debt principle we just want a reduction of the interest rate so we can pay down our debt.
I have been trying to work this issue out with the original billing office ( XXXX XXXX XXXX XXXX XXXX ) The XXXX refused to put the billing on hold while our insurance company ( XXXX ) was negotiating with them. 
The insurance company has informed me, that I do not owe any money to this doctor. 
An amount was negotiated with XXXX by my health insurance. 
The amount they are still asking for is not owed.

The insurance company has informed me that XXXX XXXX XXXX is asking for an amount that is not valid. 
They say that this is a dishonest practice called " Balance Billing '' where a medical practitioner tries to bill an amount they are not entitled to. 
XXXX of the CMRE collection agency, informed me that XXXX XXXX is not accepting the offered amount of the insurance company. 

XXXX XXXX
I returned a call from the Stark Collection Agency. 

They asked for my birth date. 

I refuse to give either my Social Security number or Birth Date or  other personal information to an unknown agency. 

They would not provide information so that I could be sure the debt was mine. 

To my knowledge I have no outstanding or overdue debt and they would not provide information that would allow me to verify the debt. 

I asked that they not call my number if they can not provide me information that the debt is mine.
I am on the DO NOT CALL REGISTRY yet I received a call from " Convergent Outsourcing '' regarding debt collection, but my credit history is excellent. The number they asked me to call is XXXX. After looking on the internet, I see a lot of people have complained about this number as well. Please do something about this organization.
On XXXX I sent a certified letter ( tracking # XXXX to Ability Recovery Service which was received on XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Ability Recovery Service has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Ability Recovery Service. Ability Recovery Service is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
This is really a two-fold issue. A complaint was issued against XXXX XXXX XXXX ( submission # XXXX ) for selling a mortgage XX/XX/XXXX for a home that was sold back XX/XX/XXXX. The issue with XXXX XXXX XXXX has been resolved. But now there is an issue with the place they sold the loan to : Select Portfolio Servicing. I have a stack of paperwork from SPS for demand payments and threats with foreclosure on this property. I have spoken with their customer service representative numerous times since XX/XX/XXXX, when this all started. I have been told that their records indicate it was resolved XX/XX/XXXX. Since that time, I have been trying to get a written document stating, this loan was sold erroneously and there was NEVER a loan that should have been processed. I do NOT owe {$65000.00}. I want documentation stating those facts along with a written guarantee that this will NOT be reported to the credit bureaus. After numerous calls speaking with reps AND supervisors, all I can get is their " word '' that it has been taken care of. Not good enough! This headache came out of nowhere through the fault of XXXX XXXX XXXX and/or SPS. At this point, I do n't care who is to blame, but since SPS seems to be able to send me stacks of demand notices and threats, I 'm sure a letter stating ... .oops someone XX/XX/XXXX up and you are in clear must be asking for too much. This is all I want .... Would really like an apology but I definitely know THAT is asking for too much.
A debt collection company, I C Systems Inc., is reporting 33+- collection accounts on my credit reports. I have disputed them with the credit agencies. I C Systems removed some of the reports but has not removed the XXXX.
I called I C Systems and requested proof of the debt from them. They told me I needed to request the information via mail. On XXXX XXXX 2017 I sent a letter requesting the proof of debt to I C Systems. I have followed up with I C Systems multiple times and have received no response from them. I have not received the proof of debt and do not believe it is my debt. I am asking you to please contact them on my behalf and have them either send the requested proof or remove the information from my credit reports. It has been more than 60 days since I requested the information. Their lack of response should be enough to have the information removed from my report. I have attached with this complaint copies of my credit report showing the wrong entries as well as my letter to them. I have redacted any personal information. Thank you
1st Complaint, Experian refuses to report my name accurately, at present is reported in Experian as XXXX XXXX XXXX ; correct name is XXXX XXXX XXXX ( Reference Birth Certificate, Social Security Card and ID cards included in attachments ). I have tried talking to several representatives on various dates over the phone : XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

2nd Complaint, Experian is not reporting accurately on my credit report after my Chapter XXXX Bankruptcy filing, I initiated a formal dispute on XX/XX/2018 to Experian and it did not resolved the problem. Moreover, I even provided a reference of the Fair Credit Reporting Act to Experian ( Reference my attached Experian dispute letter ) in my letter and again the problem remains. Furthermore, XXXX  and XXXX  are reporting my Chapter XXXX Bankruptcy filling correctly ; giving me the chance as a consumer to build my credit and get a fresh start on my finances. Unfortunately Experian is not providing me with the same reporting information ; showing 18 late payments, collections, charge offs, etc. Please i need your assistance to resolve this issue with Experian and begin my fresh start with my finances. Thanks for your time and attention in this Matter. 

XXXX XXXX XXXX ( Ret. ) XXXX Veteran