WillisBack/dataset-financial-user-claim huggingface dataset:
I have a XXXX student loan with Great Lakes which has been on and off in-school deferment and forbearance since 2010. Every year, Great Lakes has brought the loan out of in-school deferment before receiving notice of or verifying my XXXX semester attendance. They have had to make more than two retro-active adjustments to my loan repayment history because of this practice. For the past month I have been trying to speak with someone at Great Lakes about the issues with my repayment history and I am being jerked around and told that the information can not be changed because of the Fair Credit Reporting Acts. I researched into this topic and discovered a letter from the FTC discussing Great Lakes ' obligation to update the information on the credit file, even if it was accurate at the time it was reported. They have since refused to respond to me and I am now searching out other ways to resolve this issue. 

I have paid on my loan and my account is in good standing. The remaining principal balance is less than the original principal balance so I do not owe more than I took, I owe less. I have been working very hard to try and get this loan taken care of but, at each step Great Lakes has worked against me to prolong the time the student loan stays in repayment and therefore in their possession. I feel as though Great Lakes has no incentive to provide me with assistance as their money comes from having a number of accounts to service. Essentially they are a for-profit XXXX complex. There is no incentive to rehabilitate the XXXX if the XXXX gets a monthly check based on head count. The same situation is true with federally subsidized student loans. Great Lakes is attempting to prolong the repayment period of my loan and will not work with me to correct the inaccurate payment history.
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$720.00} with XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I have been trying to contact Navient for the pass 3 to 4 weeks to try and get a pay off of my student loans that I have with them. No one has contacted me to help out in this matter. I 'm trying to make a payoff agreement to pay my original loan balance minus interest.
robo call/voicemail left on my cell phone for a debt paid many years ago. Threatened legal action if i did n't call back. I called and a man answered, when i said i did n't have the case # he became very upset. I said i was recording the conversation, he said he was too. He verified who i was with my legal name and last XXXX of my social. I then said i needed him to mail me the info, he said i was being rude and that i interrupted him and he was n't going to put up with it, he would see me in court. Then he hung up on me. I called back, he immediately hung up on me. I called back and he said he was giving me a verbal warning that i was harassing him and he would sue me. Then he hung up on me again.
There was a discrepancy in the family as to who was paying a Funeral Home bill in XX/XX/XXXX. After some deliberation, in XX/XX/XXXX, I finally paid the bill. It remains on our credit report as an unpaid ( we pulled our credit reports approximately XX/XX/XXXX ). We would like to get this paid bill off of our report, which supposedly is done by the either the Funeral Home or another entity, not ourselves.
My student loan, handled by Navient, was eligible for deferment as I am still in school ; the loan was in deferment while I took courses at my local XXXX college, but was abruptly ended when I was entering my 2nd year. I attempted to dispute this, as I should still be eligible for deferment ( my enrollment status never went below half ). The previous term, my deferment status was re-established, but not before I was given a monthly payment charge on my account ( on XX/XX/XXXX, for {$52.00} ). 

It appears that this month ( XX/XX/XXXX ), they will attempt to do the same thing again with the same amount ( as I am without a job, I have no money with which to pay my previous " late '' charge and upcoming charge, as I have told the company representative who called me through the unlisted number ). My enrollment information is collected through XXXX XXXX XXXX and the National Student Loan Data System. While I am not privy to the information on the XXXX XXXX site, I can see that my enrollment status for this quarter ( on the NSLDS ) is Full-Time, but my emails and my responses to their calls have shown no action on their part that shows recognition of my eligibility for deferment. I thought at first that I was no longer eligible for deferment, but according to their site, I should still be eligible. 

The main problem I have with all of this is this sentence at the bottom of their page regarding in school deferment requests : " Note that it can take up to 21 days to display your account in a deferred status. However, you wont incur any penalties as a result of this delay. '' As I know my enrollment information is available to them ( through at least one source ), I feel that it is very fishy that they would remove my deferment status, let a charge through, and then reinstate it just to remove it again during the same quarter where I am registered as full time. 

The phone number they have used to contact me with ( XXXX ) XXXX, is not listed on their site ( multiple people online have confirmed it as one they use for debt collection contact ). While I have no recording confirming this as fact, they asked for my social security number ( most likely for identification purposes ), and then asked if I could pay my debt over the phone, offering credit and debit cards as an option. However, besides the dubiousness of offering my credit/debit card information to someone over the phone, I am required ( on the Navient site ) to give my bank account in order to pay my debt ( give them checking/routing numbers, etc. ) and after looking online, found that apparently Navient only takes payments through cards over the phone.
As per my FCRA rights, I have been requesting EQUIFAX to add my SSN to my credit file, Raised Disputes Confirmation # s XXXX with them and spoke to customer care rep named XXXX and was being informed just to send Copy of SSN amd Driving License, I faxed the copies multiple times and also Mailed the copies of my SSN and Driving License to them by USPS multiple times. Due to my SSN on being on EQUIFAX credit file for my profile I am not able to get new Phone line from XXXX or any type of Loans where they only use EQUIFAX data. - PLEASE HELP I have below 2 complaints : 1> EQUIFAX is not able to add my SSN in their system even after sending them Multiple copies of my SSN Card and Driving License by Fax and by USPS Mail. XXXX and XXXX credit card companies are directly reprotign my SSN, DOB and Current address to them and still they are not able to add my SSN to their system.

IMP NOTE : SSN is issued one time and it remains same for the person but they keep sayign my SSN is invalid and that is totally wrong. I need proof if they are saying on my SSN I can not have my credit history then why XXXX and XXXX already has it ... Everyone present in USA on Work Permit has similar type of SSN and everyone else is able to see their credit scores and apply for Loans etc ...

2> EQUIFAX is not able to provide me the dispute resolution response their website keeps showing below message.. 

" We are currently unable to process your request! 
The information you have provided does not match our records ; therefore we are unable to process your request online. 

Please try again later or contact us directly to check the status of your dispute. 

We apologize for the inconvenience. '' XXXX and XXXX already has SSN, Date Of Birth and Address on my credit file and they are able to provide my credit report but EQUIFAX is NEITHER giving me my credit report by adding my SSN to file NOR providing any repsosne to my raised disputes as per my FCRA Rights. 

EQUIFAX is falsely claiming that they can not add my SSN on file because it has " VALID FOR WORK ONLY WITH DHS AUTHORIZATION '', All the work visa immigrants in USA have this sentence written on their SSN card and everyone else ( even my husband ) has it written on his SSN and he has credit file with EQUIFAX working normally then why just me and my credit file not being updated with my SSN..? and like I said earlier Credit Card companies are also reporting to EQUIFAX ... 

Here I have attached copy of my SSN, Driving LIcense and Work Authorization along with XXXX and XXXX credit report.
A company called XXXX XXXX XXXX has put derogatory marks on my credit report for the amount of {$950.00} dollars. I have never heard of or dealt with this company ever before.
Reference is made to my complaint XXXX about HSBC. 

On XX/XX/2018, HSBC issued a letter, in which XXXX XXXX XXXX, Vice President for Customer Relations, clearly admitted fault on the part of HSBC and asked me to " expect the credit to be posted to [ my ] account by XX/XX/2018. '' A copy of the letter is included for your review. 

Considering your mission to have been accomplished, you immediately closed the case, simply because the company responded to my complaint. 

The problem with your approach is that the letter from HSBC was yet another lie and, as of XX/XX/2018, the credit was not posted to my account.
I have paid over {$4000.00} in overdraft fees in 2018 thus far. Although many have been my fault many times the bank will put a check through that causes my account to go negative and they will charge me fees for purchases I have made while my account was still in good standing.
They filed a response to my complaint in Case number : XXXX stating " We have also updated our records to reflect that you do not wish to receive automated calls to the cell phone number you identified. '' However, I recently filed yet another complaint that they were calling my cell phone 8 times a day. They claim it is their right. I explained if a person answers you CAN NOT keep calling them. The most recent Case number : XXXX.
I have spoken to Bank Of America over the phone asking why they had closed my account years ago putting suspected fraud activity on my ( XXXX ) XXXX XXXX XXXX credit report and XXXX   XXXX report, And they had told me they do not need to give me that information they told me they do not need to tell me anything of why account was closed Then i sent them a letter to see if i get a response about the account they forwarded to the credit department and i got a letter stating that they did a investigation and everything is correct but i had sent a letter to ask for reason of closure.
My wife has a credit card at XXXX 's XXXX. While she listed me as an authorized user, I have no financial responsibility to this account. None of my personal information including Social Security number was attached to this account. XXXX 's failed to mail statements for a month, a {$26.00} purchase became a {$110.00} payment with late fees, and upon being informed of this balance, my wife immediately paid the account. XXXX 's reported this as a late payment on my credit report despite the fact that I have no legal obligation under the account.
On XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX and XXXX XXXX XXXX ran my credit without my authorization. When informed XXXX and XXXX that I did not have a signed contract with these dealerships nor was it authorized, they refused to delete the inquiry
XXXX Inc, XXXX, WA XXXX. This company sent me a bill to collect the money which was I did n't own, that debt is from XXXX which was I 've never used that services all my life. Please help. I 'm afraid if I do n't do anything they will kept on sending me a bill plus fee which was not belong to me at all.
I lost my income in XX/XX/XXXX and fell behind in my mortgage payments. Bank of America sent me packets for loan modification and before I sent a completed one in, I called them and they advised me not to send it in and that they were sending an updated one to me. Instead, I started receiving foreclosure information. I gained employment in XX/XX/XXXX and resumed my mortgage payments. I was able to stop the foreclosure by sending Bank of America all required documentation for a modification. Each time, my requests have been denied. I have continued for 7 years now to apply for a loan modification. I was told in XX/XX/XXXX by an agent with XXXX XXXX XXXX that they are the facilitators of the loan and that XXXX XXXX  actually owns the loan. I was told that XXXX XXXX does not do loan modifications. Can you please help me with this? 
My mother, XXXX XXXX XXXX, is on the loan with me. She is XXXX and has XXXX. She is no longer living with me. I have durable power of attorney for her affairs. 
I have 7 years of documentation and am able to provide any that you need.
I had a chapter XXXX bankruptcy that I was discharged from in XXXX of 2015. I have XXXX mortgages that are serviced by Ditech, loan # s XXXX and XXXX. Ditech continues to report my accounts as in Bankruptcy and has been appling additional payments to principal made during the bankruptcy period and since my release to future payments, instead of reducing my outstanding loan amount. I have contacted Ditech numerous times and have provided requested documentation and they have yet corrected either item. The process of correcting these items has cost me a tremendous amount of time and continues to affect my credit rating, my ability to refinance these variable rate loans and cost me additional interest expense due to the improper allocation of principal.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : { XXXX XXXX XXXX } Account # Balances of XXXX and XXXX are unverified by this company To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
in XXXX of XXXX I received a summons to appear in court for Statewide credit Association about medical bills they were trying to collect. So XXXX/XXXX/XXXX I made contact with XXXX with Statewide credit to set up a payment plain because there were multiple accounts ( 6 accounts ). As I was taking to XXXX I explain I would like to be able to say which account that the payments were going to and that when the accounts was paid it either came off my credit report or showed paid in full. XXXX starting getting upset and explained to me that it could not happen that way the accounts had all been put in to one large account and until the entire account was paid nothing would come of my credit report or showed paid. Not knowing my rights I made the first payment. When I got home that night I started researching and find that Statewide had violated my rights by not applying the payment to the account I wanted. That night I wrote a letter to Statewide telling them that I wanted the payment applied to account XXXX which would leave a balance on that account of XXXX. So on my next payment on XXXX/XXXX/XXXX I sent a letter saying I want the payment to go to account XXXX which would pay this account off with a balance on the payment of to be applied to account number XXXX. I made two more payments on XXXX and XXXX both to go to account XXXX. I had not heard anything from Statewide and the account that I paid off was still on my credit. So I stated to call the original creditors on XXXX/XXXX/XXXX I made a payment to XXXX XXXX XXXX for XXXX pay off that account ( account # XXXX ) and called XXXX XXXX XXXX XXXX XXXX XXXX and paid XXXX paying off this account ( XXXX ) I sent a letter with the receipts to Statewide credit and explained those accounts were paid in full and would like that to reflex on my credit report. on XXXX/XXXX/XXXX I received a summons to appear in court for a garnishment for now payment for these accounts. On XXXX/XXXX/XXXX I paid XXXX to XXXX XXXX XXXX and sent a letter to Statewide explaining the account ( XXXX ) was paid in full and sent a receipt showing these they are still trying to collect on accounts that have been paid and the account are list individual and listed as one large account on my credit report. I just want someone to hold them accountable for there action. I was try to get a new home when all this came up and having the accounts listed more then once and them not letting me pay the account and them remove or showed paid on my credit has hurt my credit.
I lived at XXXX XXXX XXXX XXXX Apartment complex. During the move out procedure, my roommates and I paid them for the move-out package, which would be completed after move out, and which contained a professional carpet cleaning. 

After moving out, we were told the carpet had been replaced as it was dirty and we would need to pay the replacement cost. We were told this after the fact it all happened. We asked if the carpet had been professionally cleaned, as we had paid for that service, and they informed us it had not been cleaned. We asked why we had not been notified and they could not provide an answer. They still demanded we pay them that amount of the carpet. We refused as they had not completed the service they had agreed to, and for which we paid. 

After a month, the company that owns XXXX ( XXXX  ) sent the debt to collections. At that time, we requested that the debt collector ( XXXX XXXX   ) verify the debt - that XXXX had cleaned the carpet and shown the carpet displayed dirtiness beyond normal wear and tear for the duration of the lease which would require it to be replaced, and for us to owe money - per North Carolina regulations. 

XXXX XXXX did not fully respond to debt verification before contacting my and one of my roommates credit agencies. At this time, we have not yet received a complete debt verification answer from XXXX XXXX, now ~6 months after the initial request.
During a credit report check on XX/XX/XXXX for the purpose of purchasing a new home, this account was shown as a collection account for an energy company I used in my last home. I moved from that home, out of state in XXXX of XXXX. The home remained vacant until XX/XX/XXXX. I did not receive any communication from XXXX XXXX XXXX XXXX or MRSBPO at any time to my new address. Once I became aware of this collections account, I immediately contacted them and paid the balance in full. I did not dispute the validity of the debt since I was familiar with the company. I do take full responsibility for this debt and the lateness of it. I did ask the company to delete this collections record from my credit report in good will. For this account of {$180.00} is what is standing between me owning a home and not. They refused to delete the account. Now, my excellent credit has dropped 100 points and I have a Public Record of this account.
I received a letter with the mailing address of XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX - attached XXXX XXXX XXXX XXXX XXXX is the principal agent for XXXX, XXXX ; and I believe XXXX XXXX XXXX is XXXX in the same as XXXX XXXX XXXX. 

In Letter A, there is an offer to settle an unverified DEBT at XXXX % off with some company called JEFFERSON CAPITAL SYSTEMS , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX is acting as President and Chief Executive Officer of JEFFERSON CAPITAL SYSTEMS , LLC. ; and i believe XXXX XXXX is one in the same as JEFFERSON CAPITAL SYSTEMS , LLC. 

I responded with a notice offering to settle the DEBT upon presentment of a verified and signed bill with a bill of particulars showing what damage/loss/harm i cause this alleged 'CREDITOR ', one XXXX XXXX - attached Notice A. 

I afforded XXXX XXXX XXXX working for XXXX XXXX 15 days to answer my offer to settle this DEBT ; but there was no response - see attached Certificate of Non-Response. 

30 days after Notice A, i sent a followup notice that i wish for XXXX XXXX XXXX and XXXX XXXX to cease and desist since there is a failure to verified this DEBT, and that i wish for them to purge their databases of my information and remove any negative reports to my credit immediately - attached as Notice B. 

On XXXX XXXX 2016, my Notary received a letter from XXXX XXXX XXXX that fails to state a DEBT that i am obligated to settle ; in fact there is no amount stated, no damages claimed, no losses ... its not even a bill - attached Letter B. 

I believe Letter B is absolute rubbish. 

On XXXX XXXX 2016, i received a letter from XXXX XXXX saying that XXXX XXXX XXXX has an offer to settle a DEBT - attached as Letter C. 

I believe Letter C is an attempt to collect on an unverified DEBT sent through the Post Office, which is fraud. 

I believe I have acted in good faith to settle this DEBT alleged by XXXX XXXX and XXXX XXXX XXXX, but enough is enough.
My application for a credit card was rejected because my " identity can't be verified '' by Experian. I went online to check my Experian report and they said the same. I'm OK with XXXX and XXXX, but can't get Experian to even recognize who I am, meanwhile, the credit card application is in limbo. I tried to resolve this online and by phone with no good results. 

I'm a little concerned that I might have been hacked or have some unknown breach that prevents Experian from recognizing me. 

HELP!
I received an Action to Foreclose a Mortgage on XX/XX/XXXX. Included in that document was an acceleration of the debt. ( Please see attached pages Items 6, 7, 8, 9 ). 

The Acceleration date determined was XX/XX/XXXX. 

The 6 year Statute of Limitations expired on XX/XX/XXXX yet the Plaintiff, through a debt collection agency named Leopold & Associates, headquartered in XXXX, NY, has ignored the law and continues to attempt to foreclose on my property. 

Leopold filed a subsequent foreclosure Action for the same Plaintiff on the same matter, on XX/XX/XXXX, which is almost two months past the 6 year Statute, which they had to know or did know. This is a willful, knowledgeable, non compliant action on the part of the Plaintiff, XXXX XXXX XXXX XXXX XXXX, XXXX and Leopold. 

XXXX 's latest attempt to collect on this debt was a demand for payment dated XX/XX/XXXX.