WillisBack/dataset-financial-user-claim huggingface dataset:
In the past, I have complained about Enhanced Recovery making entries on my credit report for a debt that I have no knowledge of. Initially, the company did what they said they would ; remove the entry & have no further contact. However, on XXXX/XXXX/XXXX, I received another credit alert ... A new account with Enhanced Recovery, for {$900.00}. To date, I have yet to receive any form of a debt verification letter, or any attempt to contact me directly regarding this alleged debt. After reviewing my credit history, Enhanced Recovery has attempted to extort money from me, via illegal entries on my credit report, for the following amounts : XXXX/XXXX/XXXX, {$1700.00}. XXXX/XXXX/XXXX, {$280.00}. XXXX/XXXX/XXXX, {$900.00}. XXXX/XXXX/XXXX, {$900.00}. Enhanced Recovery is a company that tries to illegally extort money from people that do not owe money in the XXXX place! This operation would be a fine target for a federal investigation and, a great place for a class action lawsuit! Negative entries on my credit report MUST be removed immediately! When Enhanced Recovery wants to operate within the legal boundaries of their practice, and send a debt verification notice, I might be willing to have some form of dialogue with them. Until then, they need to stop trying to play this ridiculous game with me!
On XX/XX/2018, I received notice from Chase bank that a home equity loan I was sure I had paid off three years early had XXXX balance. To my surprise, chase notified me that I owed {$140.00} due to the interest that had compounded. I disputed the charge and informed them that I called to check the pay off and that they had never sent a bill prior to the notice. My credit score was above 800 during this time. After I disputed the bill, they sent several negative reports to XXXX which dropped my score to XXXX. 

This is the second experience I have had with Chase and this practice. I have since given in to paying the debt and closing the account, but I feel that they have retaliated against me for questioning why I did not receive a bill in three years.

The million dollar question is, why did I receive a negative report after carrying a " three year balance '' and a negative report was sent only after I disputed? 

respectfully, XXXX
The capitalization process with Nelnet is unconscionable and unfair. I have a balance of over {$140000.00} in student loans with Dept of Ed serviced by Nelnet. I have been trying to pay them off one loan at a time. I was on an income-based repayment plan. Recently, I received a letter that I need to recertify otherwise my payment will go up. At the time, I was on maternity leave and out of the country, and my tax documents were not with me. So, I submitted my loan application on XXXX XXXX a couple of weeks late. I expected that I might pay a small fine or a higher payment for a month. My payment is going up on XXXX XXXX, XXXX from {$320.00} to {$1400.00}. However, on XXXX XXXX, XXXX, all my interest on all the loans was capitalized. 

I never received a warning or letter that they will capitalize the interest if I do not certify. I have not been late with my payments. Because of the amount of my loans that means that I will pay extra thousands of dollars for the duration of the loan. When I contacted Nelnet, I requested that my capitalization is reversed as I have already recertified. They said that they can not reverse it. Even the team leader XXXX admitted that their education efforts are not sufficient. This is the third time XXXX has capitalized my interest : first time, at the end of my grace period, the second time at the end of my forbearance period couple of years ago and third time now. How is the Department of Education expecting us to pay these student loans when they are forcing us to pay interest over interest over interest over interest at 6.55 % and 7.65 %? 

Furthermore, Nelnet warns you only about the immediate increase of payment. They do not explain how the income-based plan works in a long-term ; basically, these are negative amortization loans : the interest per period is not fully paid, and the outstanding balance increases over time. So, the debt only gets bigger and bigger. 

At last, there is no information or warning that Nelnet is capitalizing your interest and why. I have attached one of the form letters that I received regarding the recertification. Nothing has been mentioned about capitalization of my interest if I am late with the recertification. Of course, that will mean that my loan gets bigger, my time for repayment is longer and Nelnet service contract is longer and more lucrative.
Fay Servicing has continued to ignore my written and verbal requests for my mother 's XXXX impound refund. This should have been returned when I brought her loan current when she passed away. I am the executor. The loan was brought current in XXXX I believe and was paid off XX/XX/2018. The title company gave them the forwarding address for the check and I personally called them. The person on the phone said he was sending it to XXXX XXXX. I explained that they had paperwork from a year ago that says my mother does not employ them. They assured me I would be sent the check. Its been over a month and I have called many times they said they sent the check to XXXX XXXX. XXXX XXXX who is a legal firm says they do not have it. Fay Servicing is once again withholding money which is due my mother 's estate. There is also a XXXX amount that was on the payoff statement that said refundable and they will not give me any explanation. This lender feels like they can ignore individuals and they answer you with some random untruth and its settled. I go to court with them in XXXX over the 26k, but want the impound account back of XXXX.
The XXXX XXXX charge off or sold to a collection agency was disputed and a whole bunch of paperwork was sent as proof to present my case that this was a WRONG reporting on behalf of XXXX XXXX. All I got back from TransUnion was a letter telling me to look at my file and my file is EXACTLY the same way. So, I requested PROOF and I wanted to see what XXXX XXXX had to say about this and in three days TransUnion sends me an email saying that they took a decision and to look again at my report and my report is EXACTLY the same. I told them to remove this due that it is not true that I was late on my LAST payment. Nothing has been done by TransUnion.
1. {$100000.00} was wired to my coinbase from a my wife 's bank account on XX/XX/17. Because the bank account name doesn't match my coinbase account, so the {$100000.00} was returned to her bank account. thanks for that. 
2. therefore, I wired {$50000.00} from our XXXX joint account on XX/XX/2017 to the same coinbase account, then never heard from the coinbase again. 
3. And i wired {$100000.00} from ourXX/XX/XXXX joint account on XX/XX/2017 to the same coinbase account, then never heard from the coinbase again. 
4. I sent request through the XXXX customer support 6 weeks ago with the case # XXXX, but nothing has been resolved. 
5. I put traces with both my banks two weeks ago, but your side never responded neither of the banks. 
6. It has been two and half months, no resolution to the total {$150000.00} fund. their customer service has not helped me any, and it is absolutely unfair to treat customers this way.
I am a victim of identity theft and I have a collection account and credit inquiry listed on my Equifax credit report that 's fraudulent and unauthorized, and do n't belong to me. The following debt collection account and credit inquiry do n't belong to me : XXXX/17, XXXX./XXXX {$1200.00} and XXXX/17, XXXX.
I applied for a car loan and received varying information from the credit bureaus and the services who monitor my scores like XXXX and XXXX XXXX. 

XXXX XXXX which has which has a service called Credit Wise, shows my score of XXXX, XXXX has a service called Credit Score showing XXXX. 

If I go to XXXX which I have a paid service, it shows XXXX, Equifax XXXX, XXXX   XXXX. They all have the same negative items and a lot of bad information all together. 
Old and closed credit cards done in XX/XX/2008 when I lost my job, based on a bad economy. 

First off, how can they vary so much with the same information? 

I sent a dispute letter to all three service, based on items that were 10 years or older and bad addresses and wrong past employers. 

Items 8 to 10 old should not appear according to Fair Credit Report Act. 

The 3 bureaus replied to those Disputes stating I made payments several years after they were closed, which is totally false. 

Household Income went from a 140,000 to 75,000 so I could not make any payments having just enough money to make mortgage, car and insurance payments, utilities essentials and food never mind payments to credit cards. 

I was out of work about 4 years and could not make payments to any of those cards at any time. 

I can't help but think they make false payment statement to keep the negative items on the reports as long as they possible can, and the varying scores and information like addresses, employers proves their inefficiency. 

If they are all monitoring the same information how can they be so different, and false. 

Please help because they are once again like our banking industry getting out of control, can't help but think its based on the present administration.
On XX/XX/XXXX I received a Proposed Modification from Nationstar Mortgage, which I accepted via phone conversation with XXXX customer service representative, XXXX, which stated, 'If you successfully complete the Trial Period Plan by making the required payments, you will receive a modification with an interest rate of 2.750 % which will be fixed for 40 years from the date the modification is effective. ' The correspondence continued by stating, 'Step XXXX : To Accept This Offer, You must make your first trial period payment by the first payment due date designated below ' which I did. The correspondence continued stating, 'Once you have successfully made each of the payments above by their due dates, you have submitted the required signed copies of your modification agreement, and we have signed the modification agreement, your mortgage will be permanently modified in accordance with the terms of your modification agreement. ' I successfully made the XXXX trial payments and, with my attorney 's guidance, tried for months to formally execute finalization of the new mortgage without being able to contact Nationstar. Their recorded phone message cited bad weather in the XXXX area as a reason for being unable to answer the phone and I left voice messages to have them call me or my attorney which they never did. XX/XX/XXXX Nationstar sent me a mortgage modification with an interest rate of 4.50 % fixed for 40 years which we have, and are continuing, to contest as not the modification terms agreed to XX/XX/XXXX. XXXX additional documents received from Nationstar, dated XXXX and XXXX, have cited 2.750 % as the interest rate. Nationstar offered another modification at 4.25 % fixed for 40 years XX/XX/XXXX. I have continued to make my monthly payments since XX/XX/XXXX. It appears Nationstar feels they have the right to change, unilaterally, an agreement we entered into XX/XX/XXXX with impunity, even though I kept my end of the agreement. This is tantamount to moving the goalposts or changing the rules in the middle of the game when it suits them, and I feel is illegal. We are to have a court hearing XX/XX/XXXX.
I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at XXXX ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. XX/XX/XXXX ). Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California XXXX. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. Because of this discovery we have demanded that the trustee cancel TS # : CA XXXX XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, Trustee Corps is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX XXXX XXXX Court XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by Trustee Corps. Trustee Corps was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. It is in criminal violation of XXXX. XXXX XXXX XXXX, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. After receiving no response from Trustee Corps, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.
There is a bankruptcy reporting on my transunion and my XXXX credit reports. It shoud not be on my report.
I went to XXXX Jeep/Dodge dealership only to inquire on a vehicle that I saw online. They had me fill out a what they called " a survey '' asking basic info and what kind of vehicle we currently drove. They said it was to see what prize we won because of special promotion that day. They gave us a scratch off lottery ticket ( our prize ) then told us the XXXX we wanted to ask about was actually {$11000.00} more in price. I did not fill out a credit application as that vehicle was more than I could afford. My last words to them were to please not run my credit since I was not interested in the vehicle.
My mortgage complaint is with Nationstar Mortgage. In XXXX of 2010 I filed bankruptcy but filed an affirmation signed to avoid bankruptcy on the property. During this time I was able to get a Modification Loan with Nationstar. Bankruptcy has been discharged, but every time I call for assistance I am directed to the Bankruptcy dept. before I can speak to anyone. 
As I was trying to refinance to the Harp Program, I am told that Nationstar has not reported me in 5 years as making any mortgage payments I in turn stated how is that. I have contacted XXXX, XXXX, XXXX XXXX in regards to this matter. I received a reply from the credit report to contact the Mortgage Co. I did and they told me because I did not file an affirmation and I did, therefore I sent a copy of the affirmation report. My next reply was that Nationstar Mortgage sent me a letter stated they will forward a letter to all XXXX Credit Bureaus to show that I have made payments have not missed a payment in the 5 years and this should bring my Credit Score up. Unfortunately, my Credit Scores have not gone up they are in a Poor Status and I have tried to do my part in this matter and nothing has changed and I need assistance. I know I had some hard times, but I am doing better and fair is fair. I would like for my payments made to be reported to the Credit Bureau. I am tired of being in the poor statues on my Credit Scores. I* would like for the Mortgage Company to please correct the reports that I have made payments and I have not missed on my mortgage.I am not sure now who is at fault the Mortgage Co. or the Credit Bureaus. I am XXXX years old and I do not want to leave this world knowing that my word of truth did n't matter. I want to see XXXX on my scores!!! Thank You for reading my Complaint.
i '' ve had a hard money high interest loan for 3 yrs. it was supposed to be a short term loan. i have repeatedly tried to refi out of this loan and have been unsuccessfu. my lender medallion services of XXXX have repeatly refused to comply with simple request for payoff demand, and medallion services represented by XXXX XXXX XXXX has continued to refuse to communicate with any title company seeking info for refi on my XXXX XXXX XXXX property. medallion attempted to foreclose, i filed a motion ex parte to get emergency injuction from any sale and was successful however Medallion service sold the property anyway despite the order. i know i am a victim of predatory lending i need help.theses people are crooks. Medallion has charged us extremely high rates from our agreed 12 % to 16 % without any response to our written inquire as to the cause of the increase, enough is enough. i need help.
I have repeatedly disputed the accuracy of reported debt to Transunion the last 2 dates are XX/XX/XXXX and XX/XX/XXXX. The accounts disputed were XXXX XXXX reporting an {$840.00} balance and XXXX XXXX with a balance of {$490.00} which is not accurate. Therefore should be removed. They do not notify me at all not by paper letter or electronic. When I spoke to TransUnion they simply said they verified the account was mine, no mention of the balances date of accuracy nothing. My lifestyle is being impacted by their negligence to report my credit file accurately. FTC laws are suppose to protect consumers from this type of activity and behavior.
I am {$100000.00} in debt with navient. My monthly payments ( interest only ) would make it impossible to live. They have reduced it by half but only because I am looking to file for undue hardship ( I meet all the requirements for the three tests ) this new amount is still to much, as I have XXXX in federal loans as well, I intend to pay these loans because they make it so that I can make affordable payments. I have heard it is near impossible to file undue hardship and win with private loans. I would like to go back to school, have a career in XXXX, own a home etc. If I default on these loans these things will never happen. When I was able to make payments ( with XXXX ) they would try to say my payments were late even though it was set up for automagic withdrawl. I had bank statements showing they took the money but they still argued with me until I threatened legal action. A few years prior a customer service rep told me " people like you do n't deserve to have a life. ''
I have been having issues with Navient for at least two years. I complained to them over the phone but have never sent a written complaint. However, I gotten to the point that my last option is to ask my parents to pay my loans. 

Beginning about two years ago, I called Navient asking them to help me with my loans because I had been paying them on time and had been a good customer, but I was no longer able to make the payments. I asked for options and was given none. At the time, even lowering the monthly payments because of finances was 'not available ' be me. 

I was hoping to put my loans into forbearance, but had apparently run out of time. Something of which I thought I had at least a couple more months of but trusted that they kept better records than me since I live out of the country at the moment. 

After some time, I called back and complained and was offered a chance to lower my payments based on my income. Though, this was after several attempts to contact Navient and failing to get through. 

Something I just discovered through an article written about the government suing Navient this month is that I can get my co-signer released. This is an option that I was never given before, even when I had mentioned that I wanted to make sure my co-signer was not affected by my ability to not pay. 

Time and time again, I have not been given options when I contact Navient. Each time I feel I am informed about my rights or my status with Navient, I feel that they have backed me into a corner. 

Aside from the lack of information and the times they have blatantly not informed me of my rights, Navient 's customer service workers are rude and overbearing. I often feel I am discussing my loans with a loan shark or mobster than the people who are supposed to be there to, at the very least, advise their customers. 

Navient is not a student loan company ... they are in the business of draining students of ambition, hope, and life.
Recorder of Deeds - Tax Lien - XXXX Amount paid - {$900.00} The lien has been satisfied and has been pain in full since XXXX 2014. I would like to have this removed from my credit report because it is effecting my credit score and when applying for a major credit card and loan. Thank you very much.
I have disputed an inaccurate account with Equifax, XXXX and XXXX on Two ( 2 ) different occasions for a XXXX account being collected by XXXX XXXX ( Equifax and XXXX ) and XXXX XXXX ( XXXX ) for {$1100.00}. I do not owe any money to these collection agencies or to XXXX. This is inaccurate information and each bureau fails to properly investigate the inaccuarate reporting of this information. My disputes were XX/XX/XXXX and XX/XX/XXXX. I am entitled to a fair and accurate report.