WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX FFEL loan serviced by XXXX XXXX XXXX disappeared from XXXX website including historical payment and interest paid. Called XXXX on XXXX XXXX and was advised loan was resold back to guarantor Great Lakes Education. Next day XXXX XXXX, luckily I observed email from Great Lakes requesting payment due in 9 days when monthly payment was previously accepted for XXXX by XXXX! [ see attached ] Both XXXX & Great Lakes failed to send any prior written correspondence informing of future change in creditor, loan balance, amortization schedule, payment amount, how last payment would be applied, or where to send future payments. Without personal vigilant proactive awareness, I would not be aware of a change in this debt ownership, or balance details! 

I called Great Lakes and their rep informed me they only send digital notification for account issues and the responsibility to notify change in ownership should be from XXXX. Great Lakes website had outdated contact information for me except for my email address which was the only contact that was still valid. How do I know their balance calculation is correct without any written correspondence to confirm??! 

In my recorded call to Great Lakes, their rep also advised me to ignore the statement due date while they try and " figure it out '' despite interest accruing each day. I can not just ignore a payment request and hope they " figure it out ''. XXXX advised me that Great Lakes should have notified new change in ownership while Great Lakes points blame at XXXX. Both servicers are not legally handling this migration correctly and giving no valid proof of debt. 
I request Great Lakes send me an amortization schedule to validate the transferred loan amount, the calculated interest, payment calculation, and historical payment information. Great Lakes advised me they do not provide amortization charts which I feel is a violation of my FDCPA and TILA rights. The loan has already accrued new interest while I am in dispute. Great Lakes has tried to redirect me to the statement balance which is NOT a VALIDATION of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

To recap, I am asking these lenders to validate the original debt by providing original written bearer of instrument of original loan documentation, provide full method of verification of origination loan balance principle, interest amortization disclosure, and fees for this debt up to and including the transfer to Great Lakes. I also want transparent information how my XXXX XXXX payment was applied to the loan balance prior to the XXXX XXXX loan transfer.
XXXX Update XXXX XXXX XXXX/XXXX/XXXX, I received a packet of information from XXXX regarding the closing of my account. All that was included was a duplicate of a letter they had sent along with a copy of the cardholders agreement. 

I have reviewed the cardholders agreement and XXXX is in violation of the agreement. 

The default clause list why the account would be considered in default and closed, this account does not match that criteria. No payments were late, I did not exceed the credit limit, I did not fail to comply with the agreement, and there were no indications that I was " unwilling or unable to pay '' my debts " on time. '' Additionally, while the cardholder agreement does state that XXXX XXXX from time to time review my credit, it does not state that any information obtained during the credit review will be used to close or otherwise default the account. 

At this time XXXX has still not attempted to make this right or abide by their own agreement. 

***Original Complaint *** I opened an account with XXXX in XXXX. I made charges to the card. On XXXX/XXXX/XXXX I checked my balance and found out that the card was closed. I called the bank to find out what happened, why the card was closed after 3 months. They said they did a periodic check on my credit and decided to revoke the card. Now, since I had opened the account, my overall credit card balances has gone down and my XXXX XXXX up. Now that they closed the card without warning, my credit took a XXXX point hit. They wo n't elaborate on what changed and they are refusing to make it right with the credit bureaus.
Loan has been paid off since XXXX 2015, and is still being reported as an active loan on my credit report. When I contacted the company I was told that they have been working on the problem for over a year now. When I complained that my credit score was suffering, I was told " You and everybody else ''. They then told me that maybe it would be fixed in a couple of months. What can I do to correct this? My score dropped by XXXX points!
I have disputed 9 accounts on the XXXX  App to have nine EdFinancial and would like them to be removed from my credit report. All accounts are closed and effecting my credit score negatively.
Russell Collection Agency INC began calling in 2016 while I was a resident in Arkansas, they are not licensed to collect debt in the state of Arkansas where I still currently live.
complaint number # XXXX on XX/XX/XXXX to whom this maybe concern : my husband and i XXXX and XXXX XXXX and XXXX XXXX are still having issues with my our mortgage company ocwen loan servicing llc.i '' ve been trying to get a loan modification to bring my mortgage payments current i sent my mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all payments that i sent to them they 're was rejected and they saying that this is invalid account number they want us to send them q large amount of money at XXXX time.but i did n't have a large amount of money to send to them.the payment for XX/XX/XXXX i have the mortgage account statement show for that payment on XX/XX/XXXX in the amount 0f $ XXXX.in my escrow account balance is ( {$5500.00} ) but they saying i have a XXXX balance showing on this account the mortgage rate on this loan is 9.75 % that is to high.this is to sad for a mortgage loan company to have a interested rate so high.but ocwen loan servicing do not wont to talk about the monet that i have left over in my escrow account so i can bring my mortgage current.i had a pipe bursting in the wall my insurance company send me a ckeck for ( {$3700.00} ) I call ocwen loan servicing and told them that my insurance company send me a check and told me to send the check to them and they will br endorse the check back to me .ocwen loan servicing took so long to send the check back to me they 're still hold the check.i pay my on property taxes, but some how they are charging us for that when i pay for it myself.i have enclosed some documents some of which i printed from my account on their customer site.we just want to get back to where our account is at good standing.i 'm not interested in losing my home at all.my husband is sick and i have XXXXyear old grandson that i 'm raising. sincerly, XXXX and XXXX XXXX XXXX.
XXXX, Equifax, and XXXX are all reporting information that is incorrect. I have filed disputes but the information continues to be on my credit report. I have documentation that the information that they are reporting is not from the original source. The documentation that I am presenting comes directly from Bankruptcy federal court in XXXX Kentucky.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX This company, based in XXXX XXXX, NY has been employing intimidation tactics to collect a credit card debt that has been written off by XXXX bank. 

I called XXXX  today, and was told they have no recourse because my debt was sold and written off. My credit score is low, and it is because of this debt write off. 

Today, they sent 2 men, without identification to my door in an effort to serve me a fake summons. Previously, they called my friends and relatives at all hours looking to collect my debt. 

The summons, document does not have original signatures or notarization. their is no formal response letter, or numbered of summons. 

I contacted my Attorney General Office, DA, FTC and FDIC and congresswoman. 
i will file a complain with Attorney General and CFPB. 
Thank you,
Requested debt validation through the 3 major credit reporting bureaus as well as XXXXXXXX and neither party provided debt validation ie a contract with my signature or ID to verify that the debt was acquired by me. The credit reporting agency just stated it was verified and did not provide details of their investigation. XXXX only sent letters stating the debt as sold and refused to furnish any other information telling me to contact a company they sold the debt to.
I have disputed a false " hard inquiry '' with TransUnion. They declined to fix the mistake. I disputed that decision. I have n't heard a word from them since, and it 's been many weeks.
Chase XXXX transferred my credit card to a cutthroat financial institution called XXXX without my knowledge or approval.
My lender PennyMac is not allowing us a short sell after we have submitted a completed package. 
At one point, we did have a loan modification but our financial situation changed and we could no longer keep that obligation. Needless to say, we have been behind on our mortgage payments and were recently informed of a foreclosure on our property. On the same day we were informed of the foreclosure, we contacted PennyMac to see if we could, again, qualify for a modification. However, we were infirmed we did n't, even though my husband recently graduated college, & is working full time as I am. After being declined for a modification, we suggested a short sale in lieu of a foreclosure, and were told that that would probably not happen because we had about 30 days before the scheduled foreclosure. We asked to give it a try as we believe a short sale is more advantageous to both parties. After speaking to several representatives at different times and days, we were finally told we could try, and to fax an authorization have our realtor have direct contact with them. Our realtor contacted them, completed ( with us ) the short sell package and forwarded it to PennyMac ASAP. 
We have been informed, as of today, that they could n't grant the short sell, although an offer was attached. 
We believe that a true and honest effort has not been done by our lender, but rather disregarded the fact that we are asking for an optional solution that can work for both parties. It seems to us as though this has fallen in deaf ears and we need your help to advocate or guide us with this situation. 
We understand if they say we ca n't afford this loan anymore, but we are not asking asking for something impossible, but rather an attainable and fair solution.
Another person 's credit information is showing up in my credit report I have only one major credit card under my name but lot of information coming up isn't related to me
American Express card company threatened me to sign a form that will give American Express authority to get my TAX Transcript form IRS directly. I always file joint tax return. Tax transcripts also show the Social security information of my family that I do not want to provide social security of my wife and of my children to American express. My family are not the account holder of American Express credit cards. Please advise American Express to verify my income through my XXXX / pay stubs, but not through Tax transcripts. American Express has sent me the email ( see below ) to sign the form XXXX. I am reluctant to provide unnecessary information of my wife and my children. I want to also notify that my whole record has been hacked as per OPM notification. American Express has threatened me if they do not get the signed XXXX by XXXX XXXX, 2015, they will close my credit cards and that will badly affect my credit report ( negatively ). In future, I will not be able to get a job because of such negative entries in my credit report. I pay the credit cards amount due on time. 
XXXX XXXXXXXXXXXX XXXX AttachmentsXXXX XXXX ( 1 day ago ) to me Office Hours : XXXX XXXX until XXXX XXXX ; Sat XXXX XXXX- XXXX XXXX ; Sun XXXX-XXXX, Eastern Time Office Number XXXX XXXX American Express recently requested that you complete and return a tax form called the XXXX in order to conduct a financial review. The XXXX authorizes American Express to retrieve tax information. We find the review process to be a necessary requirement in order to conduct our business in a prudent and successful manner. 



Detailed instructions on how to fill out the XXXX are attached, as well as in the American Express Fax Cover Sheet. In order to avoid closure of the account, it is critical that this information be completed correctly and faxed back to us within the deadline discussed by the American Express representative.
I had student loans with XXXX. Then a company called me saying that I could pay XXXX dollars a month for a certain amount of time and my loans would be forgiven. I was lied to, after I paid the required amount my loans were then transferred to Navient. Who has mad e no effort to actually help me. I am a struggling single mother of XXXX children, I barely make enough money to pay my regular bills. I have tried giving them my XXXX information, tried giving them my XXXX information to prove to them that I do n't make enough money to pay {$400.00} a month on my student loans. They refuse to help me navigate, refuse to help me period. Their website wo n't allow for uploading documentation of proof of income or anything. And no matter how many times I call them to try and figure something out with them, the refuse to help me lower my payments, or allow me to place them in deferment status or even look into economic hardship status. They bombard me with calls about paying my loans, but no matter who I talk to, I get no help at all. They just want money I do n't have. My information was given to them by a company that was suppose to help me forgive my student loans.
U.S Postal Certified Mail No : XXXX XXXX XXXX XXXX 5864Acceptance XXXX XXXX XXXX, XXXX XXXX : ExperianXXXX XXXX XXXX, XXXX XXXXXX/XX/2015RE : Acceptance Now - REQUEST FOR PROOF OF CLAIMXXXX XXXX SSN # XXXXAccount # - XXXX****You are hereby ordered to CEASE AND DESIST to include, all phone calls and credit bureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federal statues, Fair Debt Collections Practices Act, XXXX Debt Collections Practices Act, Fair Credit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions :
I discovered that a bill that I had paid in XXXX of 2016 was still showing on my credit reports as active and uncollected with Credit Collections USA. I called the original creditor ( whom I had paid ) and they advised that they had conacted the collector to withdraw the collections. I filed a dispute with XXXX and the collector had affirmed the debt was still active. I then called the colector who hassled me until I started a XXXX way call with the original creditor. Duing this conversation, I requested that my credit reporting be retroactively updated to show that I had paid the account off over a year ago : CCU refused to do this and claims that they can not due this. CCU has ignored their client 's and my requests, and refuses to rectify the damage that they have caused to my credit. I am a young professional looking to purchase a vehicle soon, and I feel that CCU 's deliberate and damaging actions are holding me back.
XX/XX/2019 I could not take it anymore a mobile deposit initiated by a person online by the name of XXXX XXXX XXXX XXXX had for 8 months requesting of my ID, social security number, work, bank information. I noticed that he had initiated with his contacts online which he claims are Hackers and that he is being monitored. The checks on XX/XX/2019 were the cause of XXXX XXXX XXXX I tried to reach him and ask if you are under investigation, you claim to be this person why have you not contacted authorities but I have no confirmation. This online reassured me that everything with his status and funds, accounts were perfectly legal. Unfortunately with an account with all of my information caused counterfeit checks through this XXXX XXXX XXXX.
XXXX XXXX, Tax Lien reflecting on my credit report with all three bureaus in error. This started back in XXXX 2017 when State sent a lien XXXX to create a judgement. I paid this account within 2 days of notice and the judgement had not even been processed. I have experience a tax lien on my previous home but it had a XXXX balance. I had to obtain tax lien release for my home that had already been paid in full. I am presently experiencing this being reported to credit bureaus which is incorrect. This should not have made it far as it did. Also I have a collection account {$190.00} for XXXX ( XXXX XXXX ) reported and I had never received a bill, email or phone call. I had paid it in full once I received notice that it was reported to the credit bureau. I have placed a dispute for this account. It appears this new law that was passed has made this situation worse with the credit reporting for me not better. I am now in the process of purchasing a home and this could possibly hinder me, but I am trusting XXXX for favor
I have had a credit card charge of {$120.00} on my credit report that is reported incorrectly. I have the court paperwork from XXXX XXXX, TX. courts proving this to be true. However, Experian is working with the credit card company to keep this on my credit report.
My XXXX XXXX Visa Card issued by XXXX  XXXX has the following rewards : 1. {$500.00} reward dollars ( unexpired, re-issued on XX/XX/XXXX and XX/XX/XXXX ) 2. {$95.00} reward dollars ( expired ). XXXX XXXX representatives has always assured me that expired reward dollars will be re-issued. 

I haven't been using the card because this type of reward dollars was not the most useful thing for me. I was saving the {$590.00} reward dollars for future purchases. 

I signed in to this account on XX/XX/XXXX to get them to re-issue the {$95.00} rewards dollars that expired, something that I routinely do because the reward dollars expire in 6 months. I found out that XXXX  XXXX has closed my account. I did not receive any warning about them closing my account and hence, losing all my reward dollars as well. 

While XXXX  XXXX might have the legal right to close my account without notifying me, I find this practice unfair and unethical. If XXXX XXXX had notified me that my account would be closed, I would have spent the {$590.00} before they close my account. In essence, by closing my account, XXXX XXXX   has saved the {$590.00} they might incurred if I had the opportunity to spend it.
Citibank Promotional Accounts Citibank provides credit cards for Sears, Home Depot probably many others. The Credit cards issued by Citibank can be store cards, that can be used only at the merchant only or a XXXX or XXXX that can be used everywhere. As part of the credit services, promotional accounts, i.e., " same as cash accounts '' is also provided. 
My understanding is that if a consumer has a promotional account and other charges on the credit card, consumer payments in excess of the minimum payment must be applied to the promotional balance first until it is paid off according to Federal Regulations. Citibank does not apply the excess amount to promotional accounts. Instead, Citibank uses some type of a hierarchy. 
If you cal them, they will tell you that the consumer can request the excess of minimum payment to apply to the promotional balance. 
Unless the consumer is aware, the consumer is going to get slapped with the high interest accrued towards the promotional balance. 
Citibank does not to disclose the consumer how they apply the excess of the minimum payment. 
In my case, I would have incurred an addition {$600.00} all the while I was making payments in excess of the minimum to pay off my promotional balance. When I called the Customer Service today XXXX XXXX/XXXX/17 XXXX, the representative told me about the convoluted hierarchy, which I do not understand. When I informed them that they are in violation of the Federal Law regarding credit card payment, the representative retroactively allocated my excess payments to the promotional balance and my promotional balance is paid off.
1. XXXX XXXX XXXX XXXX You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 6 mos ) Term 120 months Payment History Youve made 45 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late
I was charged {$140.00} in uncollected fees on my checking account over the XXXX XXXX weekend by PNC Bank
I have been receiving phone calls from J.S Resolution Group , Inc. 
for a loan that was included in a chapter XXXX bankruptcy. I attempted to give my attorneys information to the person calling me and they started yelling and hung up on me. They said they were going to sue me and garnish wages. 

I have also contacted Washington State attorney Generals office and filed a complaint and that complaint was resolved. They stated that they knew I was in BK and they would stop calling me. This was XXXX 2015. Today I received a threatening call at work and started receiving threatening voicemails about being sued and garnished wages. This is not okay and needs to stop. I have taken the action that I am responsible for, and they could have responded to the BK paperwork and been included in the payment plan. 

I have received calls from XXXX, XXXX.
I have contacted Equifax Credit reporting agency via certified mail regarding fraudulent accounts being reported on my Equifax report as well as provide copies of my ID theft police report and fraud affidavit and as of yet Equifax has not blocked the fraudulent items as per 605 B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer indentifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of such receipt by such agency.
Ive been unable to receive my free annual credit report from XXXX and Equifax for the past two days ( XXXX ). When ordering online through XXXX or the company Web sites, each attempt returns an error message stating technical difficulties ( XXXX ) or the site can not be reached ( Equifax ). Also, neither company seems to provide a contact phone number for customer service or technical support on its Web site. The inability of customers like me to receive our credit reports, as allowed by law, in a timely way, combined with the lack of timely customer service on the part of these companies, is unacceptable. It is especially so, given the recent Equifax data breach and the subsequent need for consumers to act now to protect their identities, including by reviewing their credit reports.