WillisBack/dataset-financial-user-claim huggingface dataset:
I received letters from Wright Lerch & Litow ( Indiana ) in XXXX and XXXX stating that I owe a debt in the amount of {$3900.00}. I disputed the debt in XXXX and XXXX. XXXX XXXX, Wright Lerch & Litow filed suit in Indiana Small Claims Court. XXXX XXXX, there was a hearing I denied the debt. I asked for Discovery and found out that XXXX and XXXX ( Not Located in Indiana ) are actually suing me. AT NO TIME did Wright Lerch & Litow make it known that they are representing XXXX. One of the documents from Wright Lerch & Litow, states the client is XXXX XXXX XXXX and the Original Creditor is XXXX Bank. Another document from XXXX XXXX of XXXX Bank dated XXXX XXXX, XXXX states " findings were forward to Attorney XXXX XXXX XXXX. Never XXXX has any of XXXX Bank 's documents listed XXXX XXXX XXXX XXXX as the attorney. I requested " terms and agreement, '' contract between Wright Lerch & Litow and XXXX Bank, contract between Wright Lerch & Litow and XXXX XXXX XXXX and between XXXX Bank and XXXX XXXX XXXX. I have not received any documents giving Wright Lerch & Litow or XXXX XXXX XXXX the legal right to sue me. There is no contract, terms and agreement, no credit card statements for XXXX, XXXX and XXXX they ca n't provide me with any proof of transactions XXXX, XXXX, and XXXX. Wright Lerch & Litow FAILED to name all necessary party and misrepresentation. I do not know who the real lawyer is and feel it is illegal practice.
Greetings, Once a year, the company which holds the mortgage on my home, PHH Mortgage will send me a check for any overage I have on my escrow account. Since XXXX, I have been waiting for a check for more than {$900.00} dollars. To date, i have not received the check. The company claims they will send it to me shortly but those claims have been made to me since XXXX. Every time I call to follow-up, I am advised nothing has been done. I am not sure who else to turn to. Thank you.
XXXX XXXX and now Navient Corp. have violated the terms of the consolidated loan and have charged late fees and put the loan in forbearance without consulting me first. They. loose paper work and even one of my checks with no explanation or apology. They have accused me of missing payments and I have sent them my bank statement which shows a double payment. They assign an advocate and they last about a year and then do n't tell me of a change in personal. The loan was for my Son.
Over 8 years ago we went through the mortgage modification process that took over 2 years to complete.We proved hardship and were also victims of predatory lending practices in XX/XX/XXXX.

We were advised by Wells Fargo to not pay our mortgage during the modification process.Wells Fargo consistently told us each month that we did not have to pay during the modification process. We were assured that we would likely get a better rate, term and relief from some of the principal amount once we went into modifying the mortgage.

In XX/XX/XXXX we were told by Wells Fargo that we were approved for a loan modification. They extended our term, fixed the interest rate which was good however, then added {$90000.00} to our principal amount.

Wells Fargo put us on a probationary ( trial ) 3 months of payments at our new mortgage payment amount.

The new payment was considerably higher than the payments we were used to making prior to our hardship in XX/XX/XXXX.

We agreed to the new payments because this is our primary residence, we have no where else to go.

The only other options we were given from Wells Fargo after 2+years, was a short sale or foreclosure. This was in fact deceptive and it became obvious that Wells Fargo really only wanted to help themselves.

We have been struggling to make our payments on time ever since and have had to borrow money in order to stay out of foreclosure. We can no longer borrow money to pay Wells Fargo. We should not have agreed to the " new '' payments. If we just let Wells Fargo foreclose on us 8 years ago, our credit would actually be okay today. As a result of all this our payments are always late and our credit is terrible. The modification process that was supposed to help us has in fact hurt us financially. Wells Fargo can not be trusted.
Equifax failed to protect my personally identifiable information and that of my family. In order to best prevent the misuse of this information with the credit bureaus, I must pay {$10.00} for each bureau to freeze my credit reports for a total of {$30.00} for each member of my family. This creates a significant expense not only for my family but for the approximate 143 million Americans impacted. While many states have laws preventing the collection of this fee, this is no universal. If everyone freezes their report with Equifax and must pay this fee, this breach could generate a potential revenue " wind fall '' for Equifax. Additionally, XXXX and XXXX could similarly profit. Equifax, especially, should not be allowed to profit from their negligence and failure to provide " due care ''. 

Additionally, removing a freeze creates similar charges as does reapplying the freeze after applying for credit. There is also a cost in time for completing the freeze and removal requests.
Rise Loans, I borrowed from this company before and have paid in full all of my loans with them early if not on time.The last loan I took was XX/XX/2015, FOR XXXX, and lost my job XXXX with no income what so ever .They were unwilling to work with me in any way other than to satisfy my debt with them .as early as yesterday the loan was sent to a third party to collect., XXXX. out of Kansas I do n't know if there is any help for me as I got caught up in this whirlwind world of Payday and Instalment Loans! I amm really trying to build myself back up but do n't know how too
Last year I deposited A {$50.00} deposit with google " wallet ''. That whole wallet was closed and I want a refund of the {$50.00}.
I am a victim of identity theft and my information was used to open a deposit account with XXXX XXXX Bank, I contacted the bank regarding this matter, I submitted all of their ID Theft Claim paperwork, and the ID theft claim determined that it was a fraud account and sent me a letter as well, which I attached. Now there is a reporting on my Early Warning consumer file for those fraudulent accounts. 
I made a dispute with EWS and supplied them the letter XXXX XXXX provided me, clearing me from this account. There ( EWS ) response was that they investigated my case and determined that the reporting is accurate, I do n't know how there getting that information because XXXX XXXX told me to provide EWS with the letter so they remove it.
I have been harrassed non stop by phone, text and emails from XXXX XXXX company. They have violated many laws by contacting my ex boyfriend from a payment he made in 2016 we have since broken u and he was never authorized on my account only for a one time payment in 2016. The car company called him today and said that they were calling him in regards to my car accident and if he had more information they thenproceeded to lie to me and say that he is listed on my insurance policy which he has never been. They have continuously harrassed me regardin payment on the vehicle.
I was denied a loan by the XXXX XXXX XXXX. The denial stated it was based upon information provided by Equifax, XXXX XXXX XXXX, XXXX GA XXXX. The denial stated that I was eligible for a free copy of this report and stated that it was my legal right to obtain this information. On XXXX XXXX, 2015, I requested a copy of the report with a letter to Equifax. Equifax has not responded and I am requesting your agency help in requiring Equifax to meet it 's legal obligation to send the credit report they maintain on me.
Consumer and XXXX XXXX XXXX were involved in an ongoing dispute regarding the underlying credit card account. In or around XX/XX/2018, consumer and XXXX XXXX XXXX engaged in settlement negotiations to resolve the dispute. In a letter dated XX/XX/2018, consumer agreed to settle the dispute. On XX/XX/2018, XXXX XXXX XXXX confirmed the settlement agreement and accepted the agreed-upon settlement amount noted satisfaction in full. Between XX/XX/2018 and XX/XX/2018, consumer heard nothing more from XXXX XXXX XXXX  and XXXX XXXX XXXX sent no further correspondence of any kind. Moreover, no more collection efforts were evident. 
XXXX XXXX XXXX sent consumer a letter dated XX/XX/2018 indicating that the debt had been " charged off '' on XX/XX/2018 and sold to another company called XXXX XXXX XXXX XXXX. Despite the settlement agreement, XXXX XXXX XXXX   continues to report the matter negatively to the credit bureaus. Consumer  contacted XXXX XXXX XXXX to honor the agreement, which required that the matter be reported as settled in full/ satisifaction in full. XXXX XXXX XXXX did not respond and instead continued to report the matter negatively. 
Documentation, to include settlement correspondence and a deposited check, verifies the settlement agreement.
I contacted FedLoan Services after hearing a commercial on the radio. The company offered to consolidate my loans and lower my monthly payment. However, I had to pay them {$800.00} up front and an additional $ XXXX per month for their service fees. I paid them {$99.00} every two weeks until the amount was paid in full. Now, I pay them $ XXXX per month for their services in addition to my monthly payment goes towards my student loans. My first payments started on XXXX XXXX, 2015. 

I found out that charging a fee for the services was illegal when I called your agency in regards to something else. If this is the case, I would like my money to be refunded to me. I 'm also wondering if they are allowed to collect the $ XXXX monthly fee as well.
I have heard and read about the recent credit report and social security number leaks from Equifax, and am concerned about the security of my social security number and my credit information. I have also attempted to check to see if I was affected by this info leak, and then discovered that Equifax has been randomly generating screens that say your information was or was not compromised regardless of the information entered. This is especially concerning, as it implies that Equifax is not even aware of exactly who did or did not have their information compromised. 

I would like to take every step to ensure that my information is made secure again if it was compromised, and I would like a detailed explanation of how this could have happened, how it will be prevented, and how I and others who had their information compromised will be made whole again.
On XX/XX/2018 - Account Closed by Company without notification - I spoke to the rep who was not in the US - and by a US based employee that was polite and condescending at the same time and said that they could close my account at any time. She wouldn't explain why the account was closed but said to read the account agreement. 

" Closing Your Account. 
You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer service. We may close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement will remain in effect until you do ''
My credit report has a revolving XXXX account that is reported as being an open account. I contacted a XXXX credit specialist who stated accounts are not reported on after 7 years and there was no record of any account in my name. The account is being reported as open still.
On XX/XX/2018 I paid Capital One {$220.00} for a previous balance owed from many years ago. Afterwards I received a confirmation letter from Capital One dated XX/XX/2018 stating the account was complete and settled. 

My problem is the derogatory mark continues to show on my credit report as of today XX/XX/2018. The Amounts Owed category makes up 30 % of a credit score as a result this mark is keeping my score low. It doesn't look favorable to future lenders. 

This was paid over 6 months ago. I am asking please delete this completely so it doesn't show on my credit report at all. I need my score to increase for future business plans. 

Best regards,
I sent Portfolio Recovery Associates a debt validation letter on X/XX/2017 for two accounts they report for me. Their response was to send me 'validation ' dated X/XX/2017 that is not the same amount owed that is showing on all three of my credit reports for both companies. The date opened in their validation is also not the date listed on the credit reports. The account type is also different on each report, and they claim to be a 'factoring company ' on one for both accounts. They are reporting monthly as if they are a lender, and have varying 'past due ' amounts on various reports. In all, for both of these accounts Portfolio Recovery Associates have failed to validate the debt as correct.
I am currently doing a XXXX and have private student loans. However the company american educating services part of the XXXX higher education assistance agency 's veg continually denied my claims for forbearance or deferment. They keep bouncing me back and forth for months on end racking up late fees and payments I can not afford. 

I 'd like to complain about two aspects of my loan unable to get deferment while in a XXXX and school because they say my loans do n't qualify for that and their consumer interface which makes it Impossible to talk to anyone of use.
I received a notice from Midland Funding LLC that I owed  XXXX  dollars and when I sent them a letter asking to verify the amount and what the debt was from I received a response that they did not have any information. I then continued to receive phone calls and letters trying to collect debt and contacted them to tell them I needed verification of the debt and they said they did not have to provide that information. This is not on my credit report and I do n't know what this debt collection is for. I would like th get this resolved.
Wells Fargo cancelled most of the debt for a credit card. After taking a tax write off for the debt, they continue to say I owe the money and will not update my credit report.
Two weeks ago I was notified that I received a notice that my credit score with Transunion dropped from XXXX to XXXX due to a late payment. At that time I started investigating to find that XXXX XXXX posted a late payment of 30 days for not paying the annual membership fee. The card in question was to be closed by my request a month earlier. After filing an online dispute I received another email stating the my credit score went down 122 points ; currently at XXXX from XXXX in a two week period. 

I then called Transunion to get clarification on how my credit score dropped 167 points in a two week period and to check on my online dispute. First, the agent indicated he did not show an online dispute therefore he would initiate it ; to date, the dispute number he provided does not show on my account. As far as the score dropping his explanation was that every bureau calculates the score differently and they have 3 methodologies for credit cards, loans, and mortgages. 

I have a very low debt to income ratio, The only financial changes in the last month was purchasing a vehicle and paying off a different vehicle. All other loans and credit cards have been in place for over a year to several years, I do not understand how the credit bureau can " make up '' there own methodology and algorithm for determining ones credit score, I still have no explanation to why or how my score dropped so significantly or a resolution to the credit dispute. The charges assessed by XXXX XXXX have been reversed although it is not reflected on my credit report.
I have 2 accounts with them and they closed both accounts without notifing me and has report me 30 days late about 4 or 5 times. I have tried to contact them but get no response. I have paid on time. I tried to setup auto payments but they will not accept it.
I did not have enough money in my account when my mortgage payment was presented for {$840.00}. Wells Fargo went ahead and paid the check which put my account into overdraft by negative {$330.00}. I would have never wanted this to happen. Now I am having other fees for other transactions that came through. I was charged another {$35.00}. fee for a {$5.00} transaction that was paid. The {$5.00} transaction would have gone through if they had never paid the {$840.00} transaction when I did not have the money in the bank. I understand that I should have balance my account better. I over budgeted and things happened. I could have just called my mortgage company and made arrangements with them. Now I do not have money to take me to my pay day, I have other transactions coming through that I am getting charged {$35.00} for. This is not fair to me. I do think the bank should be allowed to pay for a transactions that is going to overdraft my account for {$330.00} at least without letting me authorize or approve it first. I have the ATM Overdraft on my account, but it will ask me first if I want to do this and let me know that there is a fee. I would have preferred that the bank would have sent this back with out paying this and not charge me any fees if something else came through, especially for {$5.00}.
( 1 ) What happened? 

On XX/XX/2017 I disputed my Bankruptcy with XXXX XXXX XXXX XXXX. 

It was deleted on XX/XX/2017 Rpt. # XXXX. 

The Bankruptcy was re-inserted XX/XX/2017. 

I have called Equifax and I have been trying to get a hold of the situation regarding the re-inserted Bankruptcy. The refuse to acknowledge the FCRA Legally Binding Laws.
I fell behind in payments because our XXXX failed, my husband and I were both XXXX employed and as economy got bad, XXXX business was no longer bringing income. we applied for loan modification a few years ago as we were working and able to start making payments again. I hired an attorney to help with the loan modification but it failed. I was told that my house is not worth the amount of the loan so I ca n't get modified. why was n't I offered a reduction or deferment so I can keep my home. I have enough income to make the mortgage payment.,
A collection agency is reporting that I have an outstanding debt from an apartment community, dating back to 2012. I contacted the collection agent to pay off the debt, but they were asking me to pay more than the amount that was reporting on my credit report. I have asked the collection agency for a detailed itemization of the charges they are trying to collect, because I do not think I owe as much as they are asking for. Unfortunately, they will not provide me with that information.
Upon applying for a credit card I found that I was denied for a deliquent account. I looked up my annual credit report and found the supposed debt. The debt is absolutely not mine and I in no way opened the account listed. It is completely fraudulent.
On XX/XX/XXXX I received an alert that my XXXX XXXX XXXX Card was 30 days late. I 've verified with XXXX  that the account is not 30 days late. XXXX also advised that they did not report this information to the credit bureaus. I believe this was intentional act by the bureaus as my son is involved in litigation with the bureaus. The has caused me financial hardship as I needed to open an account but with a 30 day late mark on my credit file I was denied.
Dear Madam or Sir, this is a complaint in regard to the XXXX companies providing credit reports/scores. 

www.annualcreditreport.comStatement says right under website headline : " The only source for your free credit reports. Authorized by Federal Law. " Complaint XXXX in regard to advertising on the website : Annual Credit Report is not the only source for a free credit report. Instead and like other companies, they provide the free credit report BUT charge the consumer additional money to see their credit score. There is no difference in regard to other companies providing this service. 
Complaint XXXX : Annual Credit Report claims to be authorized by Federal Law. There is no signed authorization by Federal Law that those XXXX companies can stand behind annualcreditreport.com as a monopoly. In addition, the foregoing and behavior is very much consumer unfriendly. 
Complaint XXXX : the credit report companies disclose different credit scores to consumers working with annualcreditreport.com than to lenders ( for example banks ), without notable or reasonable explanation to consumers. Usually the credit scores provides to lenders are lower than credit scores provided to consumers. Just to give you an example on how consumers feel in regard to the differences between consumer credit reports and credit reports disclosed to lenders ( feel free to check out the comments when scrolling down ) XXXX the Best, XXXX XXXX XXXX not sure if the above short notes make any impact, but I think that I am not the only one who thinks that there is something MAJORLY wrong and needs adjustment on FEDERAL BASIS. Worth fighting for. 
Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.
On  XXXX   XXXX ,   XXXX   I deposited  5 checks to my account through the ATM at Bank of America. Three chec ks were issued by   XXXX   XXXX   XXXX  . The check in question was for {$2400.00}. At the time of deposit, my account was credited the amount of all  5 ch ecks.   On  XXXX   XXXX  Janus was presented wi th 2 of the 3 chec ks and paid.      XXXX  was not presented with the  3rd c heck until  XXXX   XXXX , which there records show they paid at that time.     On  XXXX   XXXX ,   XXXX   my account was depited for {$2400.00} with the explaination that when Bank of America attempted to negotiate the check with  XXXX   XXXX  that the check was not paid.     On  XXXX   XXXX  I reached out to   XXXX   XXXX   XXXX   XXXX  who told me the check was paid on  XXXX   XXXX . I requested they do more research, which they did.     Janus  XXXX   XXXX  states, the check was presented to them twice by Bank of America. Once on  XXXX   XXXX  and a second time on  XXXX   XXXX .  XXXX  states, they paid the check the first time it was presented but not the second because it had already been paid.     Although Bank of America presented the check twice they only credited my account once. On  XXXX   XXXX ,   XXXX   they debited my account {$2400.00}.      XXXX  facilitated a confernce call with Bank of America, a  XXXX  Representative, and myself to explain the check was presented twice to  XXXX .     I have spoken with  13 represe ntatives of Bank of America and one representative of  XXXX   XXXX   XXXX .     Bank of America has refused to credit my account back and leaving me in the negative {$2400.00}.     Please help me