WillisBack/dataset-financial-user-claim huggingface dataset:
the interest rate on this loan is almost 9 %, I borrowed $ XXXX and now i owe $ XXXX. i pay XXXX in payments each year and it doesnt even cover the interest, the loan goes up every single year. 

they talked me into forebearance for so many years that the loan has tripled. this is just not right, this has to be criminal. i will be dead before i pay this back and now i have lost my job so i have to freeze the payments again, i will owe almost 250k by this time next year in interest on a XXXX loan!!
Ive been fighting to two collections on my consumer report. Both are listed as XXXX XXXX XXXX problem we dont know what that information relates or who it relates too but we know its not us. This is being disputed at XXXX and XXXX and needs to be removed.
1. I never received a notice from the creditor about the debt.

2. Received a notice from the debt collector First Credit Services , Inc. 

3. I disputed the debt and sent it to First Credit Services , Inc. dated XX/XX/XXXX regarding the inaccuracies of amount owed. 

4. I never heard back from First Credit Services , Inc. for the past 4 months. 

5. I received an alert notification on XX/XX/XXXX from the credit monitoring service indicating that First Credit Services , Inc placed negative derogatory information on my credit reports and entered it as a medical bill. 

6. I contacted First Credit Services, Inc on XX/XX/XXXX and I spoke with the manager XXXX XXXX who said that he would take care of the matter and remove from my report. He said he would call me back once he researched my file because First Credit Services , Inc never validated the debt and that the creditor XXXX XXXX XXXX never responded to the investigation. 

7. I called the manager XXXX XXXX of First Credit Services , Inc for the past week and no response, his voice mail is full and no at First Credit Services , Inc can resolve, they keep referring me to the manager XXXX XXXX, but he can not be reached. I keeping leaving my number, but he doesn't call me back. 

8. This is damaging my credit, I can not get a loan and I am preparing to purchase a home. I need this resolved immediately. I need the negative derogatory information removed from my credit reports immediately.
I have been disputing several items on my credit report for some time now. I have disputed several public records that they are refusing to remove because they state that they have verified the account. The first account is a judgment for XXXX. First and foremost the amount of the judgment is incorrect. The amount that was owed was XXXX and it was paid in full. The second is another judgment for XXXX which is a balance that I never owed, and last but not least a BK Chapter XXXX, which the district court notified me by mail that they do not report to the credit bureau. I have been disputing these items for over three years and I am hoping that you guys can help me solve this issue. I have been told by the courts for all XXXX judgments that they have not physically or intentionally reported to the credit bureau any information regarding my judgment and this is a issue that I must dispute with the credit bureau. I have been fighting with them for the last three years and I am not sure what else I can do.
CapitalOne has sent me numerous " Pre-approval '' offers. The letter reads in bold that I am " pre-approved for this offer with no annual fee and our lowest intro APR. '' But further down on the back of an accompanying sheet of paper, it explains that a Pre-approved credit card offer is sent to a " well-qualified group of people. Being pre-approved means you meet out initial criteria '' It seems to me that this is " Pre-screened '' not " Pre-approved ''
PNC Bank issued a check to us to the wrong address in XXXX 2013. We have repeatedly contacted them to reissue the check to us at the correct address without resolution or response. The check is in regards to a settlement with federal regulators for fraudulent and faulty foreclosure practices.
XXXX servicing I sent a complaint about this mortgage company about removing my credit report from the credit reporting companies. This is the second time i tried to get a response from them but I think they are no longer in business so i think that is why i did not get a response to have them remove my credit report from the XXXX reporting credit companies. 
I had my mortgage sold to a different company with a XXXX balance owed there for i should fell my credit report from them should be removed please help me to figure out how to have this done thank you ....
I took steps to try and remove PMI from my PNC Mortgage loan, since value of home is about right. Started the process by inquiring with PNC what the steps are. They stated if the home current value on a current appraisal is 80 % ( exact numbers given ) and there has been an upgrade on the home, then we cant take the PMI off. We paid out of pocket for the appraisal ( to appraisal company hand picked by PNC ) and the value came back a few thousand dollars short. So we PAID into the loan the difference, so we could meet the cost to value requirement. So that issue is resolved. The upgrade issues is complete replacement of the HVAC system. The old HVAC ( house bought two years ago ) was at the end of its life, and needed replacement as evidenced on a home inspection reports used as part of the home purchase. So within the last year we have completely replaced the entire HVAC for the entire home. This is part of the home and hence qualifies as a home upgrade. So now PNC Mortgage reports their " XXXX XXXX '' do not accept the HVAC replacement as an upgrade, also, they have changed the rules ( not noted on original PMI paperwork when home was bought ), now if thy make a new rule that if there is no upgrade of their liking they have decreased the loan to value to 75 % instead of 80 % before the PMI can be removed.
This COMPLAINT is being sent to you in regards to the above reference account that AFNI INC has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against AFNI INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
This is not my bankruptcy i submitted all necessary documentation BUT EQUIFAX have not yet to responded the paperwork used to verify this ... First they said in XXXX 2017 this was verified via XXXX XXXX, which could not be mine accurately because my files are suppressed since XXXX of 2017 .... Second they said verified thru federal court BUT per letter submitted the courts VERIFIED THEY DO NOT GIVE INFORMATION TO CREDIT BUREAUS .... THEREFORE THEY HAVE VIOLATED FCRA and not given my investigation PROPER DUE PROCESS
Bank of America 's has damaged my home, charged me for services that they did not perform ( mowing grass, removing debris, etc ... ) and added the costs of these services to my mortgage balance. When I contacted Bank of America they told me that they use a third par ty contractor (   XXXX   XXXX   ) a nd that they would fix the problems and that the charges would be credited to me. Nothing was done. Instead, Bank of America 's law firm    XXXX   XXXX   XXXX   XXXX   XXXX   sent m e a letter saying that Bank of America was not responsible. I have proof from that Bank of America or its contractors blatantly lied and that in fact   XXXX   XXXX    caused damage, never mowed my lawn and did not remove debris ; the Police department as well as the Code Enforcement board has records that prove that Bank of America is not truthful.
After becoming more educated with my finances, I ran my credit report for the first time for the purpose of reviewing the accounts back in XXXX XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, one of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX acount stood out because it showed the date of last payment was in XXXX and the account was opened in XXXX. This was schedulded to be removed from my credit report on XXXX XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in XXXX. The response I got was in XXXX and not able to undertand what the letter said, I sent them a second request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to Experian, XXXX, and XXXX however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am 100 % I made no payment in XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both Experian and XXXX have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The second account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state of XXXX and was attending XXXX XXXX. It makes no sense how I could go open a utility account if I did not live in the state of XXXX. After 2 request nothing has been done to investigate these accounts. Please request a throrough invesigation, I suffer from XXXX these companies have caused me have effected XXXX, I 've spent large amounts of money sending certified and expedited mail the last 2 months with no results. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX
The car was repositioned by Mercedes benz financial services on XX/XX/2018, the required payment was made on XX/XX/2018 via XXXX XXXX as requested which they were only able to locate after 8 days, meanwhile the new payment kicked in and they had me pay it even before the deadline date for the regular payment. payment was made same day on XX/XX/2018. they promised to sign the release same day. its XX/XX/2018 and non of the managers is on their desks according to the agent. XXXX the supervisor and XXXX the team leader are the only two can sign the release and they were never on their desks for 2 full days, so many voicemails left and still no response. 

I'm hurt, not able to work, my car is my source of income and i feel this team is attacking me personally. i seek help
A fraudulent transfer on XXXX XXXX, XXXX was made from our joint savings account to a man named XXXX XXXX for {$2400.00} through XXXX. I think it goes without saying that we do not know this man. We noticed this charge on XXXX XXXX, XXXX and attempted to take swift action by calling Bank of America to file a claim but were unable to at that time due to office closure on weekends. In a second attempt to contact anyone who may have additional knowledge on addressing our issue, we also went to the Bank of America located in downtown XXXX XXXX to consult with an employee. This inept employee could only provide a phone number for us to call, which we later learned was a wrong number. 
On Monday, XXXX XXXX, XXXX at roughly XXXX XXXX, my husband checked our savings account to reference it as he prepared to call Bank of America to file the claim. To his shock he saw that a second fraudulent transfer was made. This time the transfer was made to a XXXX XXXX for {$2400.00}, again through XXXX and to an individual whom we do not know. The Bank of America associate assisted my husband with filing a claim to report the two fraudulent transfers and in response, he placed a hold for {$880000.00} on the account. He explained that it may take up to 10 days to investigate the claim but provided vague details regarding next steps. 
On XXXX XXXX, my husband called Bank of America to follow up on our claim. The Bank of America associate explained that they investigated the claim and found that there was no indication that it was a fraudulent transfer because the transfer was made on the same device. This argument is weak to assume that fraud can only occur if using different devices. He was speechless to learn that they would not be able to get our money back because they deemed the transfers legitimate. I am concerned that this issue is not being handled correctly and no protections are in place when making large, by our standards, transfers. While we have asked to have Bank of America look at our claim again, the associate has advised us to take legal action. I understand that this is his job to explain alternatives, but for individuals who are trying to get their money back, unfortunately we do not have discretionary funds to afford a lawyer. While this amount may seem low in comparison to the billions of dollars being shuffled through the bank system, this {$4900.00} is important for us to have for a rainy day and clearly, is it flat out wrong to steal from people! In addition to trying to get our money back, I am concerned about the integrity of the Bank of America online platform and its ability to detect identity theft. I demand action from Bank of America and the agencies that are meant to protect consumers. 

We have filed a report with the XXXX XXXX, XXXX XXXX, and XXXX XXXX Police Departments and waiting to hear from them. I am at a loss as to what other steps we need to take to recuperate our stolen money, so I urge you to hear us out and help us with this matter as soon as possible.
On XXXX XXXX, 2015 I entered into a vehicle lease/trade-in contract with Mercedes-Benz Financial XXXX XXXX XXXX of XXXX XXXX, CA ) with a down payment of {$10000.00}. My current vehicle was surrendered and I was given the new vehicle. On XXXX XXXX, 2015 I was informed by the location 's Finance Manager ( XXXX XXXX XXXX that MB Financial had declined my application for credit, but I should not worry as he would get it approved through reconsideration. On XXXX XXXX, 2015 I received official notification from MB Financial my application for credit was declined, but again, XXXX XXXX assured me not to be concerned and it would be taken care of. At no point was I advised the transaction was pending further/final approval. Under the impression this was a final deal, I tinted the windows at a cost of {$230.00}. On XXXX XXXX, 2015 XXXX XXXX advised me he was unable to obtain final credit approval and I returned the car. When my previous car XXXX 2014 XXXX Touareg with XXXX miles on it ) was turned back over to me, I was advised there was new tires on it. As an individual who used to sell tires for a living, they were clearly the same tires treated with XXXX. XXXX XXXX XXXX offered to show me a Purchase Order, but refused to produce the vehicle 's original tires at my request. At that point I noticed the mirror control knob had been broken off, rendering the mirror adjustment useless. XXXX XXXX told me point blank " you have {$1100.00} worth of new tires on your car, I 'm not repairing that mirror knob. '' XXXX has advised me the entire console needs to be replaced, which will cost {$250.00} in parts and XXXX hours of labor to repair.
I submitted a mortgage application to XXXX. in XX/XX/2013. Part of the process is XXXX must submit toinvestor who in this case was Wells Fargo and Wells Fargosuspended my commitment. As it turns out they suspended mycommitment because they asked questions about XXXX cancelledchecks. Problem is I never submitted canceled checks with myloan application which XXXX has confirmed. Only way for WellsFargo to see the canceled checks was to gain UNAUTHORIZEDACCESS to my XXXX XXXX account.
Cried on bank account was open with XXXX XXXX XXXX and its still on my file
I had XXXX medical debts with Central Financial Control that were settled in full. My fianc and I are attempting to qualify for a mortgage and the only deterrent are these mark on our credit bureau. These debt have been paid and the amounts owed were minimal. I have asked that the trade line be deleted to improve my credit score to qualify. As a consumer trying to purchase a home it 's hard to believe that XXXX small medical debts would hold us back.
I.c. system has a collection on my credit report for an account with XXXX I have never had. Through a BBB complaint I requested debt verification and they sent me an identity theft packet. No debt verification. I have been in contact with XXXX who has no idea what I 'm talking about. Today I received another letter from them regarding and XXXX XXXX XXXX Account I also never had I called XXXX XXXX XXXX and I 'm not in there system as well. I want this company to leave Me alone also they placed information on my credit report for XXXX and I never received anything stating they were going to do that which is in violation of the law. I 'm not doing anything with these ghost accounts until it is proven they are mine in which they are not until it can be proven otherwise which it will not be.
My family,XXXX, all filed with the XXXX credit reporting agencies at the same time for a credit report. The others in my family got all XXXX credit reports. I got XXXX reports. Equifax refuses to send me my credit report. I have contacted them more than once. They state they want photocopies of such things as my drivers licence etc. The other XXXX agencies gave me my report. Equifax has some sort of credit report on me, but refuses to let me see it.
I had a checking account with XXXX XXXX. This resulted in a collection for {$940.00}. Equifax has this listed twice on my file for XXXX, XXXX and XXXX. Once for {$940.00} and once for {$940.00}. There was ONLY ONE ACCOUNT. Showing the balance XXXX dollar higher is obviously an attempt to create more delinquency for me. I disputed this with Equifax and they left this on my file. I am receiving double jeopardy. This is a violation of federal law. I have attached a copy of a check from that account.
I see 8 hard pulls on my credit account there 's a mistake I only authorized soft pulls to check that an error was corrected on my account please remove all theese hard pulls theese were for my personal record
I had several accounts with XXXX XXXX  and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account. 

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With XXXX doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX they reduced it to a XXXX as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly. 

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem. 

I need a resolution asap. I pay every bill on-time every month ....
I recently applied for credit at XXXX and was denied by a credit reporting agency XXXX XXXX. A company I have never heard of. I was being denied, because the person applying was deceased. Im very much alive, and well. I contacted XXXX XXXX on XX/XX/2018. They didnt know who they were either, and they told me that I needed to contact XXXX. I ask them why when it was not XXXX  who gave them the report. They had no reasonable answer. I was given a XXXX number for XXXX ( XXXX ). This not XXXX number, but someone trying to sell various products.
Good morning, Last month, I applied and received a mortgage from XXXX XXXX. Prior to apply, I asked Mr. XXXX XXXX over email, if XXXX XXXX sold mortgages to XXXX XXXX, XXXX XXXX or XXXX and he said no. I explained to Mr. XXXX that I do not wish to deal with this group based upon past performance and harassment from members of this group. I told Mr. XXXX that if they conducted business with this group, I would have to decline the mortgage. Mr. XXXX lied about his association with XXXX XXXX XXXX XXXX aka XXXX XXXX. This group steals from Veterans and falsifies credit reports. 

Today, I received a call from XXXX XXXX stating that my loan was transferred to XXXX XXXX and I discontinued the called. I am requesting a reversal of this transfer. 

XXXX XXXX XXXX XXXX XXXX
I pulled my XXXX credit report XXXX XXXX, 2016 and noticed a collection from Central Credit Services who is also known as XXXX. I immediately pulled the other credit reports and on XXXX it shows the owner of the debt is XXXX XXXX XXXX who is formerly know as XXXX XXXX XXXX XXXX. I have NEVER heard of these people nor have I ever received a letter or phone call from either of these agencies regarding this alleged debt. Also, there is not any contact information on the credit reports for me to contact these people. The information I do have I researched on my own to find out the address of each agency. I believe these agencies need to validate this alleged debt in writing by supplying the original loan agreement, contract, etc. under FDCPA 809 ( b ).
XX/XX/2018 I received a text message from Nelnet ( XXXX ) XXXX ) stating my loan was in default. This is not Nelnets phone number nor is the number to contact them back at ( XXXX ). I called the phone number where I told them my social security, date of birth, name. They then told me my loan was fine but if I knew someone by a different name that may be listed under my account. I have reported this issue to both Nelnet and the department of education along with re obtaining my XXXX account to watch for fraud or identity theft. I am unsure what else I need to do or report to protect my identity.