WillisBack/dataset-financial-user-claim huggingface dataset:
I consolidated my student loans. Somehow one loan was left out. I recieved collection papers from National Recovery Services on behalf of the department of education. I attempted multiple times to make payment to National Recovery to avoid garnishment. National Recovery would not accept payment because my last name is now hyphenated. They requested a copy of my drivers license before payment could be accepted. I sent a copy of my drivers license to them via email. They confirmed receipt. A month later it still has not been updated " in their system '' and they still claim they can not accept payment. I filed a request for hearing with the department of education to stop garnishment while waiting for National Recovery to update their system. My request was granted by the US department of education and garishment was stopped. I have a letter stating the US department of education granted me and extension. However, National Recovery proceeded to contact my employer and initiate garnishment! National Recovery is garnishing my wages on behalf of the US dept of education illegally and they are garnishing my wages under my maiden name. It makes no sense to me that they garnish my wages under a name that is not my legal name but they can not accept payment now that my name is hyphenated. I have done everything within my power to make payments to National Recovery. The US department of education states the garnishment order was stopped. However, National Recovery has proceeded to garnish my wages without proper authority and in my belief in violation of the law.
I have a account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX ( XXXX ) XXXX. Opened : XXXX 2015 amount due {$160.00}. The collection company is reporting a debit that went into collection three years ago, and for the pass three years they have changed the Open date. Which is inaccurate, the company is in violation for re-aging the account being that I have not made any contact with them in order to make a payment.
I am currently in a rate reduction plan. It expires every 6 months and I am forced to find out lengthy paperwork to renew it. Meanwhile, accrued interest is added to the loan and the rate skyrockets to almost 16 %. There do not appear to be any options available to me to get out from under the loan. I am afraid to prepay or pay off some of the smaller loans because I have heard that you will get denied from the reduction plans in the future and I can't afford the payments at a 16 % interest rate. 

Please help
I have been a Bank of America customer since 2009, with just one checking account to my name. 
I recently noticed two fees in the amount of {$12.00} each for the months of XXXX and XXXX. I contacted Bank of America to inquire about the fees, and they claim that they changed their policy to charge a maintenance fee to " be fair to all customers ''. The bank claims that I received the notice of the policy change, but going back to check electronic statements on Bank of America 's own website, I see that they did not, in fact, send me any such notice.
I agreed with XXXX XXXX XXXX to settle my debt and have it removed from my credit report for XXXX dollars and they left a balance on my credit report for XXXX. 
Totally illegal
Called to dispute accounts that were not mine on XX/XX/XXXX 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX.
I received an updated report that they have been verified. I called on XX/XX/XXXX asking for verification and was informed that they had no verification only what CREDITOR SAID. So I have information being reported without verification.
Someone opened a U.S. Bank credit card in my name, fraudulently, at some time on XXXX/XXXX/2012, without my knowledge or consent. 

Equifax did delete this account, but it was reinserted for some unknown reason. I did not open this account and I do not know who did. I 've faxed a copy of the XXXX XXXX XXXX Police Department 's Police Report along with a notarized I.D . Theft Affidavit to the bureaus and have attached them here as well. After repeated requests, the bureaus & U.S. Bank refused to provide me with any information obtained from their investigation and with anything regarding their rationale for reinserting the credit item. I need the credit item being reported to the credit bureaus removed from my credit file immediately. 

I look forward to your response,
FICO PROBLEMS ... .FILLED OUT ONLINE FORMS TO REMOVE ITEMS FROM CREDIT REPORT FROM XXXX XXXX WHEN IT WAS SUBMITTED, THEY SAID CAN NOT SUBMIT AS IT WAS DONE ONCE BEFORE..THE FICO IS KILLING POOR PEOPLE. ALL THREE REPORTING AGENCYS ARE CHANGING DATES BY PINGING OLD CLOSED CONTRACTS. IF YOU CAN NOT SUBMIT AN ITEM FOR CHANGE OR REMOVAL, THEY ARE IN CONTROL OF THE GOVERNMENT AS WELL AS THE BANKS. 

ALL THREE REPORTING AGENCYS WILL NOT VERIFY CREDIT ACCOUNTS WITH CREDITORS. THEY DO NOT HAVE THE DOCUMENTATION REQUIRED.
My credit report shows 90 days to 120 days delinquent status for my student loans through XXXX XXXX. After providing proof to XXXX XXXX that my student loans should have been in forbearance during the months of XX/XX/XXXX and XX/XX/2017, XXXX sent me a letter agreeing that my student loans were retroactively placed in forbearance for the months of XX/XX/XXXX and XX/XX/2017 ; however, XXXX is refusing to remove the delinquent status from my credit report.
The company Equifax decided to not only " investigate '' the incorrect item, they've made no attempt to contact me by phone or email, and just today decided to drop my credit score 30 points in what looks to be retaliation for filing a complaint with the government. There is literally nothing in my report that would warrant a 30 point drop. I havent made any late payments, and havent applied for any loans, nothing. 
My phone number is listed, there has been no voicemails of any kind nor emails to the email address provided.
Somebody got a hold of my account information and deposited a check into my account. Three days later they told me that the funds were available. I withdrew the money. One or two days later they told me that the check was no good. They closed out my account. I had direct deposit deposit and could n't stop it in time. Three days after they closed out my account they took my whole paycheck.
My payments have historically increased and most recently without giving me any written notice. When I called they claimed they mailed me notice. Which I never received. I did receive my tax form so they clearly have the correct address. They continued to tell me I still had to make this new increased payment without me receiving a notices regardless. The biggest issue I have is that I've paid over XXXX on this loan since 2013 and the principal has only gone down XXXX. I feel completely over a barrel. Wells Fargo is crooked and unaccountable.
XXXX XXXX appeared on my credit report, today. I have not received any information from this company, a statement, who they are collecting for, nothing.
I am victim of ID theft ; my Identity was compromised. I believe that one or more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX.
we keep getting calls from midland credit which we do not or ever had any loans with and when we answer the phone they do not respond but when we call them back they want our phone number and we told them to quit calling but they keep calling our house
I logged onto my XXXX XXXX account today ( XXXX ) since they update my reports weekly on there. I had notification of a derogatory remark. And I noticed it was from Diversified Consultants collecting for XXXX in the amount of {$330.00}. The collection account was opened on XX/XX/XXXX. I never received any communication from this company saying i owe this nor was given my right to dispute within 30 days. Which i am going to dispute this account as well.
Midland Funding LLC XXXX XXXX XXXX XXXX Took an account that was charged of in XX/XX/XXXX and re-aged the account to XX/XX/XXXX when I called them to inquire as to what the account was for. My understanding is this is illegal.
My problem began when I was steered and pushed into a negative amortization loan. The problems continued as my mortgage payment and balance increased over the years, eventually going up nearly {$700.00} a month. This coupled with recently having to go on full time XXXX and a mortgage lender Caliber Home Loans that seems to not care or respond to my requests for help has me facing foreclosure. There are XXXX of us living here, including my special needs daughter and losing our home would be devastating. We are contacting you to see if we can get any assistance with our situation and try and get Caliber to engage with us. 

When I purchased my home I had solid employment for many years as a locomotive engineer and had a solid credit profile. However, for some reason I was steered into this predatory negative amortization loan that I did not fully understand to buy the house. Despite the fact that my payments and even my balance continued to increase incrementally, I was able to pay as agreed for many years. Due to the huge increase in monthly payments as well as health issues and caring for my XXXX daughter I began struggling a few years ago and applied for a modification with Caliber and after a long review was approved, although the new payment was higher than what I had been paying. Not long after that things took a turn for the worse when my doctor told me that my XXXX was so bad that I could no longer work and had to go onto XXXX. This resulted in a loss of about {$5000.00} a month in income. I am receiving benefits, and my wife is working full time as well, but there is no way we can afford the modified payment that Caliber offered us. 

I began reaching out to Caliber to explain the situation and to inform of the drastic change in financial circumstances. I was told that there were programs available for us and that we just needed to apply and send in the paperwork. Well I have done this on numerous occasions and have made no progress and do n't really know where I stand. The problem began because I was pushed into a predatory toxic loan that was destined to fail by XXXX. After the loan was transferred multiple times, it ended up with Caliber. I am sure that they obtained this loan for a significant discount, because they knew it was destined to fail. 

I have worked hard my entire life, and this home is all I have. I do not want to fail because I was steered into this predatory loan, and then became XXXX. I want Caliber to work with me to resolve this problem. I know that there are government and in house programs available for struggling homeowners like myself. Why wo n't Caliber give me access to these programs? Instead they are rushing to foreclose on my home so that they can increase their bottom line and put me out on the street. I know that Caliber has government and in house programs available for homeowners such as me. Why are they not allowing me the opportunity to have a review completed for options based on my current and correct financial status? I do not want to lose my home!
I noticed on my TD Credit Card account, through TD Bank, I was charged the following late fees ;XX/XX/XXXX {$25.00} XX/XX/XXXX{$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX{$35.00} The due date for payment is the XXXX of every month. I do not receive a statement, however, payments are always made in the early morning of the XXXX of each month. When I called to discuss the charges on XX/XX/XXXX, I spoke with XXXX from Card Services. She acknowledged that I should not receive late fees, and she would rectify the issue. That did not happen. I called Card Services today, XX/XX/XXXX, spoke with XXXX the supervisor. She refused to assist me in rectifying this issue. I also contacted the Banking Commission, and they stated I should not be charged late fees and referred me to Consumer Protection, and as a result referred me to you. Any help you can offer would be most appreciated. Thank you for your time.
I have disputed this DCI collections account for XXXX XXXX with all 3 CRA 'S multiple times both XXXX & XXXX have both deleted this account because its not mine and data furnished cant provide proper documentaion, it appears to be a blending of files with address or someone of similar name it was initially reported on my Credit reports XX/XX/XXXX XXXX XXXX then reinserted XX/XX/XXXX by DCI collections. I did not live at this address XX/XX/XXXX. XXXX has no record of the XXXX XXXX on my credit file XX/XX/XXXX, however XXXX XXXX does have a record and shows it on past reports, there not a offical CRA they just report what there given by the CRAS. I spoke to XXXX XXXX they confirm this was on my credit account info & lacked alot of information also the XXXX XXXX open date is different from DCI collection open date its possibly been re aged as well. I've spoke to XXXX they can not find this debt with my Soc Sec number or date of birth. I've disputed twice with XXXX it keeps coming back accurate and verified however XXXX & XXXX could not verify debt and have deleted..
In mid XX/XX/XXXX I've noticed that one of my Bank of America credit accounts has been removed from XXXX credit bureau. 
I contacted the bank, a case number XXXX for account ends with XXXX was opened. 

About a month later I got a letter with the result : during the investigation they found that account reports correctly to XXXX and XXXX bureaus, but it doesn't report to XXXX. 
I was told that in case I want that account to be reported to XXXX, I have to fax signed request and provide the account number, so I did on XX/XX/XXXX to a fax number : XXXX to attention of XXXX XXXX. 

Two weeks later, in XX/XX/XXXX I got a second letter with the same request and on XX/XX/XXXX I've sent another fax message with the same request to report my account to XXXX. ( attached ) A month later I called and asked about the status, but I was told the case is pending until XX/XX/XXXX and I have to wait. I've asked few more times to get a witten letter with the case status, and finally my request was accepted and at the end of XXXX I got the letter under another case ID ( attached ), but the letter gave me no information at all. 

When I called on XX/XX/XXXX, they refuse to discuss and told me the case is pending until XX/XX/XXXX and I have to wait. 

Today I was told that the case is pending until end of XXXX and I have to wait. 

The account is still missing from XX/XX/XXXXcredit report. 

Please advise. 

Thank you in advance, XXXX XXXX
I filed for Income Sensitive Repayment plan by the deadlines I was given in both XX/XX/XXXX and again in XX/XX/XXXX to Navient. Due to their delays in processing, higher payments were auto deducted from my checking account both times. Navient takes 2-3 months for processing then the loan borrower is charged a higher payment even though they are eligible for a reduced payment. Both times I spoke to customer service to be sure that processing would be completed prior to the date that payment was scheduled for auto deduct. I was assured both times that my information would be processed prior to payment date, yet, when payment was due the higher amount was taken out and future phone conversations with Navient reveal that only then did they attempt to " expediate '' the processing of ISR plan.
Complaint file against Nationstar Mortgage now called Mr. Cooper. The complaint is about the hazard insurance the lender obtained for the house located in XXXX XXXX. According to lender, they obtained insurance policy with {$1500.00} premium paid and asked me to pay for it. I sent them letter and told them I am not paying as I have complete insurance coverage for the property continously and no lapse or nothing. I sent the policy information provided to me by my insurance agent and confirming that the property is fully covered with hazard policy continously without interruption or lapse ofr that matter. MY insurance agent faxed to lender 's Insurance department the information about the insurance coverage of the property on XX/XX/XXXXbut lender failed to organize their records of receiving such faxed information. Now lender claimed not received the insurance information from my insurance agent, then obtained the policy with the insurer of their choice and now asking me to pay them for the premiums they paid. I sent them a letter to cancel the policy they obtained immediately and I have no obligation to pay them back. The property is fully covered with hazard insurance continuously without any interruption. My insurance agent, again faxed to lender the insurance coverage ( policy declaration page ) on XX/XX/XXXX. I also sent them insurance declaration page and confirmation of continous coverage that my insurance agent sent to me but there seemed to be questionable decision against accceptance of such insurance coverage on this propety. Please do something to curtail this kind of bad practices of lenders and their staff. It is business for them and bad for the victims of so many mortgage borrowers. Lenders ' staff are careless and negligent in keeping organization of borrowers ' communication to them as against mortgage loan borrowers. Thanks for your assistanced.
I have been communicating w this firm For a while they were notified that my mom XXXX XXXX passed away X/XX/17 the original creditor has copies of her death certificate. They sent summonses and then later after I spoke w them and told them she passed I was sent a letter of discontinuance in the mail. And was told no further communication would follow and that was it. Today I got a letter in the mail that the lawsuit was filed against my mom in XXXX civil Court
XXXX  XXXX on behalf of XXXX is reporting a collection to my report. XXXX   has been out of business for a while and you can not correspond with anyone. XXXX  XXXX is acting as a collection agency however can not verify all the information. This loan was paid off to the original lender ( XXXX ) which has since filed bankruptcy
Issue is with XXXX XXXX XXXX I am trying to get my last two ( 2 ) loans a ) out of default and b ) paid off. 

The website shows i owe nothing. The automated phone line says I owe nothing. I paid off a loan with them this year and it has not been reported as paid with the credit bureaus. 


I contacted the Dept of Ed Rehabilitation Group who says my loans qualify for rehab because they have only defaulted 1x. However, XXXX XXXX says they were transferring in XXXX of 2016 and Dept of Ed did not accept yet. 

Dept of Ed says XXXX XXXX did not send it to them and they need to re-submit it because there is nothing for them to address. 

I have spent hours on the phone trying to find a person with XXXX XXXX to resubmit it to the Dept of Ed so I can  have this cleared up. I have no physical documentation of the loans or my status because online shows nothing. 

Please help me get it transferred to the Dept of Ed so I can get this rehabilitated and removed from my credit.
On  XXXX   XXXX ,   XXXX   I tried to deposit a personal check using  the Amegy mobile p hone app. I never got credit for the deposit. When I called to question an insufficient fund fee charged and asked why I did not get credit for the deposit made, I was told that the deposit was never made. This is the second time this has happened to me where a deposit made using the app is not credited and charged an insufficient fund fee. ( The first time was back in  XXXX    XXXX  . ) Each time I am tol d by Amegy  customer service that it was never made. On  XXXX   XXXX ,   XXXX   I called a branch to try to resolve this issue. I emailed the branch rep a copy the error message given stating the check had already been deposited . ( See attachment. ) It turned out that the check was not accepted because I am the account holder of both accounts and it would be easy for me to float money. Really? When did Amegy become the Float Police? And, why did someone not inform me? I do this type of deposit to and from both thes e accounts all the time using the phone app from both bank accounts. I have lots of reason for having both accounts but the main reason is because you have to have direct deposit to get the account free of charge. Furthermore, there is no way to be able to float a check if posted the same day as these checks clear overnight.     I have proof of several other deposits that have been accepted using the  Amegy m obile app.
collector wants to charge me for phone appointments that we never had. I do n't have any writing agreement with them. I refuse their services and they keep calling me to make appointments. then they want to charge me.
I have sent letters and online disputes to remove a public judgement from my credit report with equifax. The judgement has been paid and satisfied without no removal.
The amount for repayment will be a very high amount that I will not be able to afford. I am currently in deferrement with my loan due to being in school but is projected to start paying on the loan in XX/XX/2020.
I have been trying to dispute XXXX hard inquires that were not mine on my credit report. I have contacted the financial institutions that have pulled my credit and they investigated the issue. They sent the results of their investigation to the credit reporting to remove the hard inquires. XXXX XXXX and Experian have removed them but XXXX has not. I sent a request along documents that prove the inquires were a result of fraud. XXXX has not removed them and I have been told they are unable to.
I purchased a lawnmower from XXXX in XXXX AlabamaAlso a air conditioner The lawnmower broke down three weeks after Ipurchased it returned it to be repaired never seen it again called severaltimes they finally brought me the wrong mower I refused it was not theone I purchased it was used and older The air conditioner I gave back to theretheir collections manager or whoever that guy is that beats down doorshe refused to give me a receipt that he took it also he broke my screenby forcing it when it was locked to put a note in my door They have puta charge off on my credit {$1100.00} and that is false they never could findmy lawnmower and they refused to tell me what they resold the airconditioner for all I could possibly owe them is the remainder of the airconditioner minus what it sold for I want them to take this off my creditas it is fraudulent reporting their credit manager XXXX needs to beterminated as she is trying to scam people like me.I have wrote thecompany XXXX times no response they filed a law suit 2 years ago forXXXX and never followed up on it because I will so countersue so manydifferent amounts none coenside with another
In 2012 I qualified for a HAMP loan that was administered by CitiMortgage. Among many things the paperwork read that I could qualify for what was called " Pay for Success '' incentive. If I my mortgage current each year I would receive {$1000.00} towards my principle reduction, then on year 6 another {$5000.00} for a total of {$10000.00}. This incentive is mentioned everywhere including The Making Home Affordable Handbook. 

Citi did reduce any balance or credit me with anything. I reviewed my statements. Additionally I contacted them and they said they did and sent me a payment report that had different numbers from my monthly statements, but those did not add up to any {$5000.00} principle reduction. 

Last year my loan was sold to XXXX XXXX ( XXXX ) and they told me that any incentives must be paid by Citimortage since they were incentivized by the Gov't, but the year 6 incentive would be processed by them. 

I called XXXX Making Home Affordable but they could not help me. 
I hope I am mistaken and they followed through on their committeemen, but if they didn't there maybe others out there who need help as well. 

Thank you for your help.