WillisBack/dataset-financial-user-claim huggingface dataset:
I cosigned a loan for a student at XXXX University in XXXX, MA, issued by Sallie Mae. The borrower cut all communication from me right after the loan was transferred to the school, and refused to have my name taken off as the cosigner. Now the borrower is delaying payments, and is forcing me to pay off the payments assigned to the loan or have my credit score diminish. Right after this happened, I contacted Sallie Mae and asked for an application to have my case heard and considered for a cosigner release. They told me that only the borrower can have the account considered for cosigner release, which is something I was not told about or agreed to when cosigning the loan. I was told that I have equal responsibility over the loan, yet when it comes to any action towards the loan - whether it 's actually have my cosign released or having my cosigner release form even considered - is something only the borrower can forgo. This has put my financial situation at high risk, and at the whim of the borrower - and something that Sallie Mae would n't even consider for cosigner release since only the borrower can do that. I was then advised by the escalation team that since I do have equal responsibility of the loan, I can request XXXX University to return the loan in full and then my cosign would be terminated. The escalation team told me that this is a practice they have done before and are willing to do for me since this is a relevantly new loan. When I contacted XXXX, I was told they would do this for me and that I should send an official demand letter stating my case and they would talk to Sallie Mae to make sure this was acceptable, and if it was, then they would exercise my right to have the loan returned. After a long delay, they responded to me after two weeks - at this point I have already been asked to pay off interest payments on the loan - and told me that they do not have any obligations to the cosigner and that they would not return the loan. Now my credit score or my financial account is in jeopardy and at the whim of the borrower, even though I was only following the advice Sallie Mae had given me, and only had given to me when I made it clear that unequal treatment over actions taken on the loan is not something I agreed to.
Several of our mortgages have been purchased by SLS, XXXX XXXX, CO. We are paying down our loans by paying extra towards principal. The company is not applying extra payment towards principal even though I have specifically requested this. ( The company says the payment center tends to " overlook '' these requests. ) They are instead applying the extra money to future interest and principal. They have told me I must send any extra payment to principal to a different address ( make a separate payment ) and that this separate payment will not be noted on my monthly statement. The only solution to this dilemma they offered was to allow them access to our bank accounts and take out the money themselves. We refuse to give that control to this company!
I have made XXXX Complaints to Equifax about and error in the way they are display my credit report and getting no where to finally pull and XXXX credit reports off of Equifax membership and clearly see there is a clear error in they way Equifax is report my credit report and score from XXXX and XXXX. There is no way in the world Equifax can not see the problem now once I send them this clear evidence of full credit report from all different days that show the differents account Equifax, XXXX and XXXX. 
Equifax Credit score XXXX, XXXX is XXXX, XXXX is XXXX. Equifax you telling me in my whole history of pulling all three credit reports they are never different by XXXX points. Score is difference but not that different. I never seen anything like this and Equifax you know if the same information is on all three credit reporting agency they will have around the same scores not a XXXX point differences. Equifax have the same Total balance {$62000.00}, Same Total Credit {$83000.00}, The same Total Monthly payments {$2400.00} as XXXX and XXXX but the biggest problem is the changes made on my old collection account by XXXX since the dispute was cancel. Here are all XXXX complaint # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I attached a copy of how all XXXX of my credit reports are being displayed so you can see the difference between all three clearly showing Equifax is the only XXXX reporting a change as you can clearly see there was n't any change in my report. And i attached my whole credit report. This is beyond clear there is a error on Equifax part at this point. There is no way around this one Equifax. Explain this one. Not taking responsibility at this point is like a big slap in my face. Equifax do the right thing. I attached the full credit report from XXXX XXXX to show what was on my report than when my report was XXXX, I attached full report when i dispute was put on my credit report when my score went to XXXX as you see there was no changes, and a full report when my score went to XXXX when the dispute was cancel showing there still was no change in my credit report. So why was there a change in my payment history and score if there is no change on my credit report. If this is a system error a dispute might not fix this problem. I attached all XXXX credit report pull off of Equifax membership that I have showing all three credit report and score from Equifax, XXXX and XXXX. I hope by you looking threw all these reports you can figure out what happen. Base on all XXXX reports my score should still be around XXXX. There is no big different in the credit report from all three reporting agencys so their should not be a big change in score. Not XXXX points, as you can see XXXX and XXXX I have excellent payment history and Equifax has good payment history after the cancel dispute. Equifax that is the clear problem the old XXXX account is now being report has a new collection account the status needs to be changes for it to go back to Excellent payment history.
I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report.
The credit collection agency would not send me paper documentation each month showing the balance due on the account they said I owed, and each payment I made to the agency of {$50.00} a month for several months was never recorded., the agency refuses to give me a receipt showing the amount of money I paid them, so I stop paying them and request the agency customer service person to send the account back to XXXX XXXX XXXX  so I could pay them because I could not pay a collection agency and not received something showing I pay them money each month and not get a document or bill.

After I stop paying XXXX XXXX XXXX XXXX, they sent me a letter on XX/XX/2017, showing I owed a payment of {$50.00} without a balance. I called the agency and told them to send my bill back to XXXX XXXX  because I did not trust the company after they told me I could not get a record showing payments. And they continue to call my phone more than 5 times a day from different numbers to harass me even after I told them to stop.
XXXX XXXX, we were bought out of a small independent distribution business.Lets refer to it as company XXXX. The company was a sister company to another small independent distribution business, referred to as company XXXX. It was at this point the partnership in XXXX companies parted ways. My husband and I became 100 % owners in the sister company XXXX. XXXX companies were financed through XXXX. Prior to XXXX, we were financed by XXXX. The Commercial Lending Officer from XXXX Trust moved XXXX, and continued his role as our Commercial Lending Officer XXXX. When we were bought out of company XXXX, we were required to put our XXXX house up as collateral to continue the credit line for company XXXX. We did, with the intentions that we were going to sell it or possibly rent it out in time. As time progressed the economy took at toll on our company XXXX. We began scaling our operations down in XXXX through XXXX. In XXXX of XXXX, we listed our XXXX house for sale. It sold quickly, but it was at this time the problems with the banks began. The original mortgage on the property was with Chase and refinanced XX/XX/XXXX. XXXX, who I believed all along was 2nd lien holder to Chase, was now claiming 1st lien position. We were going to take the proceeds from the sale, payoff Chase & apply the balance to the notes XXXX. The balance would not have covered the balance due XXXX, But we offered to pay interest only on the balance until we got our finances in order. XXXX did not accept along with Chase not responding to any of our calls With business XXXX, officially closed on XXXX XXXX, XXXX & the workout plan we utilized to pay off our vendors in place, we spent most of our savings in legal fees, due to the standoff between XXXX & Chase. Not sure who is at fault here, ( sounds like a title search issue? ) Whichever, We would have liked to get some answers. We tried to do everything ethically, but for some reason it has been a wacky ride. Thank you.
On XXXX XXXX I received an email to thank me for my XXXX purchase. 
I didnt make a purchase and called my Chase Credit card to report the fraud. The man on the phone named XXXX told me not to worry Im not liable and would close the card and issue me another one. I also spoke to him and told him I would call XXXX because on the email it said that the order was to be picked up and I wanted to warn them. 
When I received my new card the amount was still charged on it for {$100.00}. 
I called and spoke to them again and they said they will look into it and get back to me. I received a letter from the fraud department saying that I received benefit from the transaction. I called again and they told me that they dont need to give me that money back because it was on my XXXX account. I explained that I didnt do it and they told me to get a police report and send. I did that and the email they gave me didnt work so I called again and spoke to XXXX who told me they dont need that and theres nothing they can do. That I need to talk to XXXX to get my money back. I closed my account with them I was so angry. The police couldnt beieive it. They are now requesting video.
I paid my balance on my XXXX XXXX credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XX/XX/2016. I left the matter alone and was notified with my credit report later that the account had not been removed as promised. I 've disputed the claim with transunion and XXXX 4-5 times with each company. Each time the dispute comes back as 'verified as accurate '. This was not the agreement I had made when completing my payments and my credit reports need to reflect that accurately.
I am only XXXX days late with my payment. I pay XXXX for my car and I was called stating if I did not pay today, they were reposessing my car.
Phoenix Recovery Group has put a collection on my credit report for a debt that I did not commit it was identity theft and I have told him several times and even sent over documents from identity theft police reports and identification and they refused to take it off my credit saying that the signatures match but of course if a person commits fraud and they have your information then they are able to forge signature when they have it in their presents and I explain this to them and they still use the signature match as an excuse to not remove the debt
Over the past several months I have submitted requests via certified mail requesting proof of validation or removal of several accounts noted on my credit report. The responses I keep receiving are updated credit reports that simply state, Verified As Accurate, without proof of validation for the following accountsXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX and XXXX XXXX  # XXXX.
Says I owe XXXX from XX/XX/15 but for what I do not owe this. Again I contacted company several times not willing to remove ...
Good Morning, I'm receiving several phone calls from Franklin collection svc, daily even after XXXX on a Sunday. I contact them several time last year .I also file a complaint again them asking for Verification of this debt that .I have no idea about they remove it from my credit report they place it back without sending me a notice for me to know what this debt is about they call me at work contact me on my cell phone several time a day I .asked them to send me in writing physical proof of verification under FCRA 15 u.s.c 1681 all unverified account must be prompt deleted therefore if they are not able to provided me with a copy of verification they should not be reporting and flagging my account several time per week Thank you
I am a victim of identity. My XXXX XXXX credit card : XXXX is lost/stolen. Someone cancelled my XXXX XXXX credit card account. I never called XXXX XXXX to cancel my account.  There are some fraudulent and unauthorized charges on my XXXX XXXX credit card account. I want XXXX XXXX to send me a new credit card with  a new account number.
CIT Bank transferred Loan # XXXX but I do not Know to whom it went toI have not Received any information .Who is the New Servicer? 
Was ONEWEST Servicer? 
Was CIT Bank N.A. Servicer? 
What was Transferred? 
How Much was Transferred? 
What Type of Loan was this? 
I have Reached out to ONEWEST Bank and they have Refused to answer.
I have a fraudulent inquiry from XXXX XXXX on my Equifax report that appeared on XXXX XXXX. I have contacted the bank and they sent me a letter confirming that the application was fraudulent. I have created a file containing this letter, my driver license, Equifax research request form and a letter with description of the situation ; and faxed it on XXXX XXXX. 
Today, on XXXX XXXX, XXXX, I have called XXXX to follow up on the paperwork and find out if they are working on removing the inquiry. What a horrible treatment I got First representative just put me on hold, and just never got back to me. I have called again and asked to be transferred to the US office. After passing XXXX XXXX security questions and being on hold a couple of times, he finally found my paperwork. Then it has become more interesting My ID ended up being blurry ; the letter from the bank also was not working for him. So, I asked, ok, let me fax you/e-mail you my ID again. Then I asked to explain why the paperwork I have send, doesnt satisfy them. What can I send them? I couldnt squeeze any answer from the representative. I asked to be transferred to supervisor/manager, but he refused! The I start asking him for his name, but I never got the answer! 
Not sure if it will help your investigation, but I was on a call with Equifax representative on XXXX XXXX, XXXX at XXXXXXXX XXXX. 
I am asking for your help as I believe no one should be treated like this. I am hurt! Please dont leave it like this. 

Best Regards
Received call from ( XXXX ) XXXX and msg indicated call ( XXXX ) XXXX -- person answering did not identify the company I was calling and got testy when I asked what company I was calling ( interestingly, without my telling this person my name, they had my name ) -- I refused to give this person my name and asked at the get-go what company had called me. This person was yelling at me stating that " no one ever calls and not states who they are ... '' -- stated I was being sued for a $ XXXX debt and writing a bad check for over {$1000.00}. I am not the person they wanted : name was my first and last name, date of birth not mine, state of residence at time of " crime '' was in Louisiana. This person was very, very rude, yelled at me, and threatened to send case for me to be arrested. Finally after verifying the above name, date of birth, and state, the said would remove my name and number ; however, I have received several calls from this same number. Please do something about this. When I looked up both telephone numbers on the internet, there are complaints about a man named " XXXX XXXX '' -- I still do not know anything about the company or the company he is " representing ''.
On XX/XX/XXXX I pulled a copy of my credit report in light of all the recent breaches with Equifax. I discovered XXXX fraudulent inquires, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX/XXXX/XXXX. I disputed them and they have the nerve to tell me that they are verified and I should contact these companies myself. Why would I call and give them my personal information and I never did in the first place. I do n't have business with these companies, never gave them the right to access my credit report and Equifax should be working with me the consumer not against me. There is too much identity fraud going on now. Please help me as they are violating my rights under FDCRA and FCRA. I have tried calling and they are rude. All there answers are no we cant do that, the information is factual. I do n't know who is trying to obtain credit in my name but I received notice from XXXX that my name is on some black market website.
I dusputed a collection on my credit report that they allowed to be added back on. Claims it was from 2010 but had been removed and the credit agency refuses to remove it which is against the law as they can not keep changing the reporting date to keep it active on the credit report
Recently opened up a Walmart credit card under a promotion of no interest for 24 months if your purchase exceeds a certain amount ( which mine did ). I purchased merchandise in preparation of grad school with the intent of paying a little back from each paycheck I receive from the school. I paid three payments then when the fourth one was due it slipped my mind as I became extremely busy with papers, homework, etc. I thought it was due XX/XX/XXXX when in reality it was due XX/XX/XXXX, but I found this out because after i missed the deadline ( 7 days later ) i started receiving calls from a robo automated message telling me that it is the bank and they are with Walmart and gave me a number to call. I assumed this to be some sort of scam as what business would call you trying to get ahold of you to tell you to call a different number? So ignored until I got so annoyed and stressed ( 4 straight days of calling leaving one automated message usually while I was in class, one of the days I actually answered and it was still a machine automated message!! ) I finally opened up my laptop to see who they are. This is when I realized they are pretty much the debt collectors for Walmart so I instantly paid ( today ) once I realized the little mistake I made ( that apparently was justification for harassing me calling me everyday ). Then I start thinking I do n't remember to giving them my number or to a debt collector so I went on my online portal for Walmart and realized I gave it to Walmart ( run by synchrony bank aka the bank that wo n't stop leaving me automated messages ). Further looked into the place I gave Walmart my number and i apparently checked the box that said they are allowed to contact me about my account ( which I guess debt collection is?? Even though the average person would n't think this is what it entails ) and use automated robo messages from third party. Funny thing is today is the first day I have recieved an email notice that I missed my payment after XXXX days of calling and leaving confusing phone messages. In the voicemail they were also very secretive about what the purpose of the call is which is why I thought it was a scam. They just gave their information and a number to call them at, but no way to stop these calls!! Word of advice realize when your are checking a box to receive information about your account realize you somehow explicitly consent to debt collectors harrassing you in the process. Oh and also realized when I checked through my statements that they are charging me interest going directly against their promotional 24 month no interest. All one big stressor impeding on my school work
Diversified Consultants has listed a collection account on all XXXX of my credit reports that does not belong to me. I sent them notice asking for validation and proof bearing my signature that I signed up for a contract with XXXX that shows me being liable for the account. They have failed to provide such proof and now have reported this account on my credit reports causing harm to me. This reporting is a violation of my right under FCRA as they have not provided me with proper documentation prior to reporting this account nor proper documentation proving this account belongs to me.
I sent a letter to the XXXX XXXX  requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted.
As part of the hack of Equifax, my personal information had been stolen. Unlike other hacks such as XXXX, and XXXX, Equifax is not a company I can choose not to share my information with. If I want credit, which is necessary these days, then they have to have my information. If they can not protect the personal information of people that are REQUIRED to use their services, then what are they doing being in business?
On XX/XX/2018 I received a collections letter from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX in reference to an account ( # XXXX ) being collected for XXXX XXXX. 

It indicated an amount due of {$4700.00}. 

I have never done business with XXXX XXXX nor have I ever opened any accounts with this company and I have never requested any credit from this company. 

I sent a certified letter to Transworld Systems Inc. letting them know that I dispute the debt, and I have not heard anything from them since. 

They ( Transworld Systems Inc. ) also did a hard inquiry on my credit report on XX/XX/2018, and I am not certain how they or XXXX XXXX would have my ss # as I have never done any business this company, opened any accounts with this company or requested any credit from this company.
Citi Bank claims I have debt to pay and refuses to accept my claim on fraud on the account. I had a XXXX dollar credit limt and I some how owe XXXX dollars.
Made a payment yesterday XXXX/XXXX/2017 on all loans federal and private. Checked my bank account today and the payments are posted. However checked my navient.com account and it says my loans are past due. The interest rates are high enough I do n't need fake late fees. Also when I spoke to someone why it 's taking so long to pay loans under {$5000.00} they said the payments knly cover the interest. I 've been paying these loans for 7 orb8 years already and feel like I 'm not getting anywhere. I attended both XXXX XXXX XXXX University. And XXXX XXXX the XXXX XXXX XXXX
Barclaycard is denying me from accessing my financial data using a 3rd party financial institution - XXXX. I had no issue accessing and loading my financial data from all of my other credit card and bank accounts. XXXX allows me to analyze my spending/payments, plan my financial path and make appropriate fiscal decisions. Without access to my Barclaycard financial data, I can not perform these tasks having complete information. I dont believe this is right for them to block access to my financial data.