WillisBack/dataset-financial-user-claim huggingface dataset:
The loan was trasferred to Amerihome from XXXX XXXX. The loan balance should be around XXXX but Amerihome has is at XXXX. Ive called XXXX and they say Amerihome has all the documents. their was a recast for XXXX done with XXXX. this has been going on for well over a month. Amerihome sayss the documents will be reviewed but every time i call they push the date back. I.ve asked them to call XXXX but they refuse to call. If they would communicate with each it would solve the problem but Amerihome won't.
Good morning, The problem is that something is showing on my credit report as a collection/derogatory, but it does not show me what I owe, so I called LJ Ross and asked them and answer was I owned nothing, but I need it off my credit report but credit bureau wo n't remove it ... Please advise.. Name of the company is LJ Ross, address is XXXX XXXX XXXX, XXXX MI. XXXX, # XXXX, regarding XXXX XXXX, account XXXX, date on credit report is XX/XX/2013.
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX XXXX, XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Greetings : In early XXXX, I signed a contract with a company called XXXX to purchase equipment that was difficult to obtain. They would add money to my XXXX XXXX visa account, and I could use that money to make purchases and send them away. On that basis, I agreed to make the purchases for XXXX and send them off. I was given a Wells Fargo business account number of XXXX with the name XXXX. From that account, money was added to my XXXX XXXX in the amount of {$20000.00} on XXXX and I checked online and was assured the money was there. I then made purchases and sent them off. Money in the amount of {$16000.00} was added on XXXX XXXX and again I made purchases and sent them off. On XXXX XXXX, the first two of these payments were reversed, leaving me stuck. I feared that the second would be reversed and called XXXX XXXX asking for them not to let that happen, but even so it was reversed posting XXXX XXXX. 
I believe that Wells Fargo has responsibility here. I know that checks that are cashed then bounce later, but I did not know that money could be transferred online from a valid account with sufficient funds and then reversed many days later without a court action. Ill bet this account does this many, many times per week. I believe this makes Wells Fargo complicit in fraud, as I believe that this account has been used in this way for a long time. I hired a private investigator who said literally hundreds of packages are sent daily to the address I shipped packages to, and I believe all of them are shipped by people like myself who are paid from a Wells Fargo account that allows the account to stop payment many days later, thus helping fraud happen. Had I known that it was possible for this payment from a Wells Fargo business account to be used in this way, I would not have made and sent those purchases. 
It should not be possible for someone to reverse a payment after many days simply by pushing a button. Commerce in the US would stop! Anyone stopping a payment should need to get a court order to do so. By allowing this kind of reversal without a court action, especially multiple times per week, Wells Fargo is complicit in allowing this kind of fraud to happen. 
XXXX XXXX
TD bank is charging multiple overdraft fees totaling to {$170.00}. The bank account never went negative on there balance transaction sheets. I do n't see how this legal. I have attached a pdf of the account. I need this to be resolved.
I recently reached out to the bureaus in regards to the 4 collection accounts not associated with me along with inquiries that was ran without my knowledge or consent, I advised they do a proper investigation, XXXX removed the accounts that were not associated with me but hasn't removed the inquiries, Equifax and XXXX has the following collection accounts and inquiries reporting that aren't mines. I attached the police report along with this to get it resolved.
i was a victim of a scam tats why bank of america did whats wrong with me n XXXX acct was paid ill like to dispute whats on my credit n there a lot of misreport on my file dispute I am requesting that this item be deleted / adjusted> in order adequately reflect my true credit history on the attached report. I am asking you to reexamine this item and <remove it from / correct it on> my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window. 



Sincerely XXXX XXXX dob.XX/XX/XXXX add XXXX XXXX XXXX XXXX XXXX fl XXXX
1 ) I signed for a XXXX year grace period when I first took my loans. They used up my signed for grace period when I had to transfer schools. When notified I let them know immediately that I had been in school all that time. They noted and documented my account with that information. It was supposed to be restored upon my 2016 graduation. That did not happen. In XXXX 2016 I started getting calls, and constant harassment about payments. I kept insisting on my rights, and they kept telling different stories and giving different options every time I talked to some one. No one had the same story. They all had different requirements for me to do. I am a XXXX ... I know hoop jumping and legal jargon when I hear it. I worked as I went through school ... I know when someone is doing double talk. 
2 ) They stopped calling me, the primary loan borrower and harassed my cosigner constantly. After continual battling, I had started to make minimum payments but they kept calling and harassing my cosigner not me. When on the phone with someone, you spend an hour rehashing all the details that should have already been in your account. They do not listen. You try to offer solutions within your real income, and they stick what their computers say. They do n't listen. They do n't care. They have their agenda which does n't include your real situation. It often ends with hostile comments such as " Well than, we ca n't help you. '' So why offer at all? Some of their solutions are to pay {$50.00} to have it return to the balance on your loan to gather more accrued interest. They offer no solutions for simplifying your loans into XXXX. They make you pay multiple loan accounts, which adds up fast when all their interest rates are different. They have excruciatingly high interest rates. They rework your paper work without your consent. Then they make claims of helping but really, they 're looking to make you pay more. No XXXX people will ever tell you the same story. You 're lucky to get the same person you called before. IF you do not ... then you 're rehashing over and over and over while continually being treated like you 're stupid. 
3 ) No XXXX representatives offer the same solutions, and they always act like I am an XXXX and that I do n't know what I am talking about. They 're abusive, rude, and do n't really offer solutions. Even when you the borrower want to negotiate better rates of repayment. They claim XXXX of XXXX scenarios : They are a Private Bank ( when the mood fits ) or they 're a " Student Loan '' organization. They jockey those terms back and forth muddying the waters of what they 're capable of. 
4 ) I have already filed a complaint with my State AG. I will be filing complaints with all my representatives at the State and Federal level, as well as with the Federal AG. I am tired of these legalized loan sharks abusing their customers who are former students trying to pay them back. It is both XXXX XXXX and its subsidiary Navient, that cause so much problems. They just have loan sharks in the background and do n't want to renegotiate. They think they can bully their customers.
Due to financial hardship I was in a status called forbearance and deferment for over 12 years. Navient allowed this process to continue until 2 years ago. I was told I could not postpone the process any longer. I filed bankruptcy in XX/XX/XXXX and I was told I could not include any of my student loans with Navient. I got a Divorce and lost my home and relocated to another state to start over. I am a Veteran of the XXXX XXXX XXXX XXXX and is currently living with a friend to try to help my Son attend college and care for my XXXX year old daughter as a single parent. My XXXX year old veteran of the XXXX has also had to move in with me and she is unemployed. I feel I will be paying Navient until the day I die. I can not afford this and try to rebuild a life for my family with the cost of living as high as it is in XX/XX/XXXX. What help is there for me
This account does not belong to me and the address on my Equifax report is incorrect. Credit reporting agencies are required to provide correct information in order for me to validate this debt belongs to me. I have attempted to contact XXXX XXXX XXXX at the address provided and my letter was 'returned to sender '. Please see attached photo of returned letter. Also attached is a screenshot of my credit report with the incorrect address. 

These accounts should be removed from my credit file.
I have 2 loans with XXXX. On XX/XX/XXXX, the interest for both loans capitalized. When I called XXXX to inquire the reason behind the capitalization, I was told by their IR department that my REPAYE recertification application submitted on XX/XX/XXXX had an electronic signature instead of a wet ink signature and that this resulted in an incomplete application. Because my application was incomplete, I missed the XX/XX/XXXX deadline to submit the recertification application for REPAYE so my loan repayment automatically changed to the 10 year IBR repayment plan and consequentially my loan interest would capitalize at an unspecified future time. I was not notified by XXXX that my application was incomplete and denied until XX/XX/XXXX, at which point it was impossible for me to submit a wet signature in time for the XX/XX/XXXX deadline. I had called XXXX customer service multiple times in XX/XX/XXXX and XX/XX/XXXX regarding the status of my recertification application and I had been reassured by multiple customer service agents that my application was complete and that it was a matter of time before my application would be reviewed and processed. After I learned that my application was denied on XX/XX/XXXX because of my electronic signature instead of wet signature, I promptly submitted a wet signature to XXXX within 1 day. However, XXXX still faults me for missing the XX/XX/XXXX deadline, even though I had submitted my recertification application in its entirety to the best of my knowledge and following all instructions on the recertification application given it was not written nor verbally conveyed to me anywhere that I had to submit a wet signature. Therefore it is not my responsibility nor my fault that my recertification application was signed and submitted with an electronic signature. So XXXX should not be allowed to capitalize my interest for the reason that I missed my recertification deadline in XXXX.
XXXX, XXXX and XXXX all have been sent a request to investigate on these creditors that are on my reporting. Also hard inquires companies i have no clue about. I have been on a clean streak with trying not to get my credit up and have not open any accounts for these past couple years. but for some reason. these hard inquires have been showing up on my reporting and i dont know why they have not been contacted by the 3 main credit company about this. 

Also XXXX XXXX duplicate reporting for the same company is on my report i had only one account with XXXX XXXX XXXX. 

XXXX XXXX XXXX - XXXX XXXX - No idea who these people are file a couple dispute with XXXX and XXXX. still nothing. 

Fair collection and out - XXXX XXXX XXXX XXXX - Apartment - i returned keys already but they sent me to collection and damage my credit for keys that have already been returned.
I submitted formal disputes with XXXX, Equifax, and XXXX  in regard to inaccurate late payment from XXXX XXXX XXXX XXXX showing on my reports, in which I'm co-signer for my wife, on her Equifax report shows paid as agreed but all 3 of my reports shows 1 30 day late in XX/XX/2017. This caused my credit score to drop more than 60 points, resulting me not able to qualify for personal loan.
on XX/XX/XXXX I filed a dispute of inaccurate information into four different reports on my credit, accounts names and amounts were : XXXX XXXX {$750.00} XXXX XXXX {$610.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$4800.00} I provided letters from each company and account pay statements showing that each item was paid off and should be closed and reported as such. My original close out date of my dispute was set for XX/XX/XXXX. Transunion extended the date first to XX/XX/XXXX, saying they did not receive a response from the creditor. I called in again on XX/XX/XXXX to check the status to find that Transunion has again extended the date of the close of the dispute to XX/XX/XXXX, without notifying me, due to the creditor not being responsive. 

I asked the agent I spoke with how this is fair or consistent with the requirements of credit reporting bureaus and whether this would in fact close or again be extended. I was given no answer and told that " this is a part of the process '' and that there was nothing they could do. 

I explained to the representative that this is credit abuse and fraud at this point, due to the accounts being in a paid status in excess of 30 days. This complaint against XXXX XXXX. demonstrates that they are abusing consumers and neglecting their responsibilities in fairly and accurately reporting correct information in a timely and just manner,
After reviewing my credit report, I noticed a dramatic lowering of  my credit score  by nearly  XXXX  points. When researching the cause of my problem, I noticed that an account that was discharged in my bankruptcy was showing past due with a balance. Also was reported was the utilization ratio and no notation regarding the discharging of my  Chapter   XXXX  bankruptcy. The creditor is  XXXX   XXXX   XXXX .  All of these factors caused my score to lower significantly. According to 15 USC 1681s-2 ( a ) ( 1 ) ( A ), it is a violation of the CRA to report inaccurate and incorrect information on credit report. This error has   diminished any attempt to move forward to restore my creditworthiness.
On XX/XX/XXXX, I've sent Certified Mail letters ( my identity theft affidavit with my signed and stamped police report ) to Equifax : XXXX XXXX XXXX XXXX XXXX, XXXX  : XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX, regarding a fraudulent opened account. 

The account that was to be removed : XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, and a high balance of {$36000.00}. 

On XX/XX/XXXX, well over 30 days later, I sent in an Affidavit of Truth & Facts by Certified Mail regarding the left on fraudulent XXXX XXXX account to Equifax : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX and XXXX  : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX I am now sending in complaints to the FTC, and the Consumer Financial Protection Bureau about the still left on account.
In 2017 I filed a complaint with experian. I told them that they are reporting an incorrect balance that I owe to XXXX XXXX. I asked them to verify the information and to delete the information if they cant validate it. They continue to report inaccurate balances on my credit report.
OnXX/XX/XXXX I enrolled in a debt settlement program through DMB Financial Program. I agreed to pay {$740.00} per month for 53 months to settle {$49000.00} in credit card debt. As of XX/XX/XXXX DMB Financial had not settled any debt for me and had taken out of my checking account from XXXX XXXX. {$3700.00} and a related company to DMB Financial took {$59.00} during the same time period for " education purposes ), totaling {$290.00}, and to this day did not settle any of my debts. Not one.
Wells Fargo XXXX neglects student loan Borrowers who wish to elect to make additional payments automatically to their student loans. With automatic payments, Borrowers have the ability to manage the total cost of their loan by paying more than the minimum required payment each month thus reducing total interest paid over the life of the loan. Wells Fargo does not allow Borrowers to increase the amount of their automatic payments, instead requiring Borrowers manually make additional payments each month either through manual add-on payments or through their Bill Pay service. Both options force borrowers to schedule each additional monthly payment manually. Without the ability to automatically schedule payments above the minimum required payments, Borrowers are much more likely to pay the maximum interest charges over the life of the loan unless they remember to separately make additional payments each month. This serves to minimize pre-payment risk for Wells Fargo and investors in their Student Loan asset backed securities. However, it is also a contemptuous disservice to its Borrowers, many of whom are recent college graduates working to establish prudent debt servicing plans. Borrowers should be given the option to increase automatic payments towards their Student Loans. By neglecting to provide this option, Wells Fargo is, at best, discouraging their Borrowers from managing their total interest costs or, at worst, scheming to charge their customers as much interest as possible.
Hello to whom it concern I have asked Barclays to validate this date multiple times. They keep saying this so called debt is verfied but they havent sent me documnetation of this debt and its on credit report. The law states they must provide proof to these debt. They havent provided no documentation at all.
My complaint is against Equifax for improperly protecting my information during their recent breach. As a consumer I expect that my personal information should remain private and a company who monitors my information should be held responsible for failing to protect my private secure information ( SSN, Name, DOB, Address, Credit rating and current accounts ).
On X/X/17 I got confirmation from equifax website that my information was potentially compromised in their recent hack. 

This company was looking to avoid class action lawsuit by making me opt out of any litigation just to get assistance. This is unfortunate and I will not be opting for their credit protection service. If they ca n't protect my information now I do not trust them to do so in the future.
XX/XX/2018. Went to a currency exchange and paid cash of {$1700.00} to be credited into my mortgage account, the currency exchange used the check free company to processed my money. The money never got to the mortgage company and I have called the company several times to resolve it to no avail.
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : Sunrise Credit Services The address listed on the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. USPS.com tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 53 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and Sunrise Credit Services have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.
On XXXX XXXX, XXXX I was contacted through the mail by Aldridge Pite LLP, who claim to be attempting to collect an alleged debt for XXXX XXXX XXXX. Upon receiving the letter from Aldridge Pite, I began to draft my response pursuant to 1692 ( g ), and before I could enter my dispute I received a Notice of Pending Foreclosure Sale on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Aldridge Pite received a Consumer Notice of Dispute of Debt in pleading form pursuant 15 USC sec.1692g, and though there were some apparent errors in the notice, the demand was very clear. Aldridge Pite LLP 's response was lacking verification and validation of any facts, as submitted in letter received XXXX XXXX, XXXX. At that time I saw that XXXX XXXX was indeed a debt collector as defined by 15USC sec.1692 ( a ) ( 6 ), and then filed Notice of Insufficient Response on XXXX XXXX, XXXX. The Notice sited errors in accounting of alleged debt by proof of Aldridge Pite 's own submission, demanded verification and validation, and ordered a CEASE AND DESIST. After XXXX XXXX 's receipt of such Noitce, I received through the mail a Cancellation of Foreclosure Sale on XXXX XXXX, XXXX. However, on XXXX XXXX, XXXX, I received another Notice of Pending Foreclosure Sale identically styled as the previous Notice of Pending Foreclosure Sale absent of any acknowledgement of dispute or verification and validation. My response to Aldridge Pite, was to make Notice of Violations Pursuant to 15 USC sec.1692 on XXXX XXXX, XXXX. Aldridge Pite responded saying, " we believe our response was sufficient to satisfy and verification obligation we may have under the FDCPA '', they also referenced to letter dated XXXX XXXX, XXXX. The inoperative word that XXXX XXXX used, " believe '', is neither verification nor validation as defined by law which lead me to draft a FINAL NOTICE on XXXX XXXX, XXXX siting a Summary of Facts and Violations pursuant the FDCPA XXXX XXXX sec.1692. Aldridge Pite 's response to such filing was to send a letter dated XXXX XXXX, XXXX styled, Cancellation of Foreclosure Sale. Then on XXXX XXXX, XXXX, Aldridge Pite LLP, gave Notice of Pending Foreclosure Sale, once again without any compliance to Federal Law pursuant to the FDCPA 15 USC sec.1692. Because of financial downfall, my response will be through a type of amendment to Final Notice, however I do intend to move for District Court of Georgia to ratify my PRIVATE RIGHT OF ACTION claim.
These bills were from medical issues and should have been billed to XXXX. The hospital is trying to get me to pay full price for issues that should have been billed to the largest federal payer in the US.
On XXXX XXXX, XXXX at XXXX ( PST ) I was contacted by Santander Consumer USA regarding my account status and a pending complaint that I had with the company. After informing the agent ( identified himself as someone calling from the President 's Office ) that it was XXXX, the call ended after he informed me his system did not stop the call from going through. I was woken up to take this call and felt completely violated by this company.