WillisBack/dataset-financial-user-claim huggingface dataset:
For the last 3 weeks, I have contacted VSAC to inform them of a drastic, unexpected change in my personal and economic situation that prevents me from making the same level of payments on my student loans. Each time I contacted them, one person after another failed to help and made inconsistent statements about solutions. The latest email said I am eligible for at least 31 months of payment suspensions but they would not process this request even after I provided explicit documentation that my expenses nearly match my income at the moment and nothing will change in 6 months. I requested the maximum time of forbearance and VSAC has still not processed the request. Instead, they have wasted my time by making me call them instead of engaging in an efficient and effective written dialogue by email. This means that instead of actually solving the problem, they waste my time on a Friday ( a working day ) to have to call them and STILL they do not solve the problem or process the request in a timely manner! On XXXX XXXX, I called them and it took nearly 15-20 minutes before someone answered the phone and even then, they filled out a request that had the WRONG period of forbearance from what was requested and discussed on the phone and the written request I made so many times with supporting evidence. It is beyond frustrating that on top of my own personal and economic hardship issues, I have to deal with VSAC and the level of inefficiency and incompetence in their practices in dealing with me as a borrower. I have consistently made payments over and above what was required and all I need is some help for a longer period of time till I can improve my financial situation and get to a point where I am able to make the SL payments and still survive! I can not do that if VSAC and other agencies such as ACS-Education refuse to work with me reasonably and instead make it more difficult for me and then this impacts negatively on my credit and my ability to improve conditions. I need your help to solve this issue urgently and quickly for a long term solution. I need the maximum forbearance that I am entitled to and eligible to the extent of at least 31-36 months without impacting my credit so taht I can try recover from the drastic change in my economic and personal circumstances. Six months is NOT enought and I need your help to convey that and get a more balanced, reasonable solution to my student loan debt burden. Thank you.
This company not only called a XXXX party ( my father ) at his place of business, they claimed that if the debt is n't settled, they will take legal acction and access my bank account!!!
I have no knowledge of said debt, other than XXXX and XXXX, and I would like it removed as it 's reporting to the CB and negatively affecting me
ON XXXX AND XXXX I CONTACTED EXPERIAN ON INCORRECT UNAUTHORIZED CREDIT INQUIRIES I DIDN'T AUTHORIZED ON MY CREDIT REPORT TO BE REMOVED I ASKED THEM TO REMOVE AND EXPERIAN HASN'T CONTACTED ME OR REMOVED UNAUTHORIZED INQUIRIES
I have been in an on going situation with Dyck O'Neal for debt collection from a foreclosure I had in RI. I purchased the home in XXXX of XXXX with a mortgage secured by XXXX, the mortgage was then assigned to XXXX XXXX. The home was foreclosed on on XXXX XXXX, XXXX. In XXXX of XXXX I received notice from Dyck O'Neal they were collecting the debt owed. Since then we have had a few conversations. On XXXX XXXX I returned a missed call from Dyck O'Neal and specifically asked them not to call my work number. Dyck O'Neal called my work number back that day. My supervisor has asked me numerous times why a debt collection company is calling looking for me at work.
Speedy Cash  hacked into my personal account without notifying me when I was making payments and saved my card information even though I have n't changed my banking information and illegally collected the remaining loan amount from my account. These  XXXX  at the banks and IRS think their going to make everyone 's credit decision fraudulently for them because their the sickest  XXXX .
This is the second time New American Funding has not paid the home insurance per their contractual obligation resulting in my insurance being cancelled and their replacement insurance costing double or more. They did not pay ( approximately {$500.00} ) and threatened to purchase their own insurance ( approximately {$2000.00} ). Due to their lack of payment, my insurance was cancelled before I was able to make a claim regarding damage to the house ( approximately {$10000.00} for a damaged exterior wall ) and now I will not be able to make a claim with the new insurance company. They do not return my calls in a timely manner and when they do they call well after normal business hours.
original credit was XXXX a member of XXXX XXXX. Never done business with this company. I sent a 30 -Day Validation notice on XXXX XXXX, 2017. 

Have never heard back from this company.
He has repeatedly called me and has started threatening to garnish my wages, to come to my job, called me names and embarrassed me publicly by telling my co-workers I was n't paying my bills on time.
After filing a complaint with you in around XXXX Ocwen handled me with kid gloves finaly I though I was getting help. They did modify my loan but only to send an increase before the official payment was made. They claim this is do to Escrow. I understand Escrow goes up however they had all the correct information prior and while doing the modification. I feel Ocwen did this to hurry up and get of your records in a timely fashion. Please look into this process I feel I am not the only XXXX. I would like Ocwen to do a fair modification. I almost did n't write this but felt that if this is common practice it is fraudulent in the less. thank you
Allied Financial contacted me in an attempt to collect a debt from a neighbor. On XXXX/XXXX/2015 a representative called my home and cell phone. The rep asked for me by name and advised me that I lived in close proximity to someone named XXXX. He then asked if I had seen or spoke to XXXX lately. I advised the rep that I did not know a XXXX and asked how he had obtained my information. He stated that it was public information and that he was well within his right to contact me about my neighbors debt. I advised him to not call my home or cell phone again in an attempt to collect a debt that I did n't owe and from a neighbor that I did not know.
I flied and could n't add the whole complaint. I sent the middle part. Here 's the first and end part ; XXXX. ( first part ) Help! I am a XXXX Veteran, almost XXXX years old and have been unemployed for several years. Past history ; I open a case with CFPB last year through XXXX XXXX XXXX XXXX in XXXX Florida. My complaint number i : # XXXX. I contacted Brain XXXX XXXX, CEO of Bank of America on XX/XX/XXXX ; XXXXXXXXXXXX and he appointed XXXX XXXX, Customer Relationship Manager Office of the Chairman and CEO on XX/XX/XXXX and phone number ; XXXX. XXXX send me a letter and said she would be my dedicated single point of contact throughout this process ( To reduce my house payment by combining my XXXX lines of credit into the original line of credit ) XXXX told me my house payment would be {$460.00} starting XX/XX/XXXX and on the XXXX of each month. I received my XX/XX/XXXX statement and the payment was {$1300.00}. XXXX said there was an error in the computer and it would be fix in several weeks. After many months, the XXXX XXXX XXXX XXXX file a mortgage compliant with CFPB and the problem was resolved and the payments was around {$210.00} to {$210.00} interest only per month until XX/XX/XXXX. The bank wanted me to default by not paying {$1300.00} for several months and then file for a foreclosure on my residential property that I have been living in for 32 years and never missed a payment. 
( end part ) I have attached ; Copy of the of the loan documents of Loan No : XXXX, Chapter XXXX Individual debtor 's statement of intention/surrendered rental property ( XXXX XXXX XXXX. XXXX. XXXX XXXX, FL, XXXX ), Discharge of debtor, Trustee 's quitclaim deed/ sold rental property, Bank Statements , old Account # and new Account #. 
Bank of America staff sit in their offices and being paid to seek out innocent victims and to harass, pressure, in still mental anguish and create night mares to old disable veterans, old non veteran unemployed or on fix incomes. They are above the Federal Law and can get away with anything. Bank of America, shame on you.
On XX/XX/2017, I logged into my online account with Earnest, a student loan refinancing company, for the first time approximately 2 years. In my account, I found two documents (a credit card statement and a student loan document) that belong to another individual living in XXXX, NC. This is clearly a violation of their privacy policy and it is unclear whether my documents are sitting in someone else's account. I called the company to report the privacy violation, and spoke with a customer service rep that was unfamiliar with how to handle this and said I would be contacted once the issue is resolved.
1. Attempted to use credit card at XXXX - card held since XXXX - declined at register 2. Called XXXX  credit services - informed that a charge was unpaid from XXXX XXXX for {$79.00} - with penalties and interest balance now {$330.00} - never received statement and never received telephone calls or dunning letters 3. Informed that mailing address was changed to a XXXX XXXX XXXX in XXXX, MA where bill was mailed - I did not change address - asked for receipt of purchase and to reverse additional charges 4. Informed agent that we had lived at our address for 12 years and had the same telephone numbers. Recently moved to new home in XXXX XXXX but left forwarding address with post office. There was an odd number on file at XXXX which we have never listed. 
5. Told to dispute charge with XXXX XXXX at specific address - mailed letter on XXXX XXXX, XXXX for further investigation as to charge and address change 6. Received letter from XXXX XXXX XXXX - requesting payment 7. Wrote dispute letter to XXXX with copy of dispute letter from Target 8. Filed complaint with Attorney General 's Office in Massachusetts 9. Called XXXX - representative claimed no receipt of either letter - requested email address and emailed copies of my letters to collection agency 10. Email received stating collection process would be temporarily stopped while under investigation 11. Received call from XXXX on behalf of AG - contacted XXXX - requested copy of receipt, reduction of charges and removal of item from credit report 12. XXXX unable to find documentation concerning dispute - could not offer any information other than to call collection agency and ask to settle for lesser amount. 
.13. XXXX unable to persuade XXXX to help - agent from the office suggested I file a complaint with the CFPA
A scam of a Fraud agency by the name of XXXX XXXX   has been posted their frivolous information on my XXXX and Transunion  credit bureaus, I have sent prior complaints to XXXX  and Transunion, I haven't got any positive response. 

I never had any contracts made with this XXXX XXXX   scam, nor I ever had any signed deals to pay any amounts of monies what so ever to them, this Fraudulent agency has not been able to validate it's information, they were not able to provide an invoice from their claimants, nor were they able to provide correct dates of information, It's a Fraudulent scam agency that steals people 's information or buy information on XXXX sheets, I want the credit Bureaus, Trans Union and XXXX  to immediately remove this false Fraudulent scam information from my credit report ASAP before I slam both bureaus with a Federal Lawsuit and huge Punitive charges and damages to my credit.
I made a payment and also enrolled in auto-pay so I would n't have any late payments or late payment fees. I heard Walmart had a habit of charging late fees. Since I enrolled in auto-pay and made a payment to stay current I was charged a late fee. I called them to inquire and they said they would removed the late fee. I just checked and the late fee was never removed. I again just scheduled another payment. I hope it 's credited to my account this time.
My Sears Credit Card, issued by Citibank North America REFUSES TO REPORT MY ACTUAL PAYMENTS PER MOUNTH I WAS MAKING AND TO INCLUDE THEM IN THE BALLANCE HISTORY OF THE THREE CREDIT BEAUROS. Instead,  Citibank North America sent me a letter stating that only the balances, minimum payments required and defaulted payments will be reported. 

I disagree! Bellow is the copy of my XXXX SEARS/CBNA XXXX XXXX XXXX XXXX, SD-XXXX as reported by XXXX XXXX: 


Account Number: XXXX   Status: PAYS AS AGREED   
Account Owner: Individual Account.  High Credit: $XXXX    
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card.: Revolving Credit Limit: $XXXX    
Term Duration:   Terms Frequency: Monthly (due every month)  
Date Opened: XX/XX/XXXX Balance: $XXXX    
Date Reported: XX/XX/XXXX Amount Past Due:    
Date of Last Payment: XX/XX/XXXX Actual Payment Amount:    
Scheduled Payment Amount: $XXXX    Date of Last Activity: XX/XX/XXXX   
Date Major Delinquency First Reported:    Months Reviewed: 2   
Creditor Classification:   Activity Designator: N/A   
Charge Off Amount:    Deferred Payment Start Date:    
Balloon Payment Amount:    Balloon Payment Date:    
Date Closed:    Type of Loan: Charge Account  
Date of First Delinquency: N/A 
Comments:   


As you may see, Actual Payments are not included, the balance history is incorrect. All of the above reporting is a violation of FCRA.
I had a GREENTREE mobile home mortgage.Husband mentioned there had been a computer glitch and not to worry. when husband died in XXXX 2009 I called when death certificate came back and loan was supposedly changed to my name, and was once again assured my payments were right on track. DITECH TOOK OVER AS LAST PMT OF A 15 YR LOAN WAS DUE BY AUTOMATIC WITHDRAWAL. see documentation. letters not signed, when robocalls and calls from diferent collection agencies began I sent another letter and yet calls continue from various numbers only telling me I need to call another number.Default letter also came to me AND another to my dead husband last week. PLEASE NOTE NONE OF THE CORRESPONDENCE IS SIGNED WHEN I GOT DOCUMENTS.
XXXX has been non-compliant with removing the unverified account CAPITAL ONE XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE XXXX  XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
XX/XX/2018 XXXX XXXX  inqury that I did not authorize XX/XX/2018 XXXX XXXX  inqury that I did not authorize Credo XX/XX/2018 and XX/XX/2018 I have never heard of this company and did not authorize
I went to try and get a car and was told there are bankruptcies on my credit. This information is not correct as I have never filed for Bankruptcy ever in my life. Please have bankruptcies removed from my credit immediately.
I have contacted TransUnion on 3 different occasion to fix some unverified accounts on my credit report ... I will attached the 3 letters which will correspond with the dates Ive attempted to fix the problem .... TransUnion refuse to fix the problem ....
On XXXX, I was contacted by phone by XXXX XXXX ( XXXX ) from Zenco Collections regarding a debt from XX/XX/XXXX with XXXX. I explained that the debt was not valid as I had returned the merchandise in XXXX and that the debt in question was from 19 years ago. I was informed that the debt was not closed out by XXXX until XX/XX/XXXX and Zenco had until XX/XX/XXXX to collect on this debt. They informed me that if I did not pay a {$250.00} settlement on a {$480.00} debt that could sue me and I could end up paying up to {$4000.00} instead. They were attempting to mislead me that the debt is newer than it is by stating that I 'm responsible for the time between when the lender closed the debt and the end of the statute of limitations, and that the statute of limitations was at least a year longer than it is in the state of NJ, and that I can be sued by them for this debt which dates back to XX/XX/XXXX and no payments have been made since that time.
Bank of America was supposed to credit my mortgage for the excessive amount Bank of America charged me for the Homeowners Insurance Policy as Bank of America placed Lender Placed Insurance which was inflated as the policy was issued by XXXX XXXX and XXXX XXXX both subsidiaries of Bank Of America. Attached is the court order to pay me for the excessive charges Bank of America has charged me.
My Equifax credit report says I have a delinquency on my student loan in 2012. That is a mistake. I have never been without a deferment Furthermore, I am in the third and final year of the having that loan forgiven.
I tried to open a HSBC Advance Checking Account on XX/XX/2018. 

HSBC withdrew {$10000.00} from my XXXXXXXX XXXX checking account as opening deposit on XX/XX/2018 but failed to provide any information on how to access the HSBC Advance account. I  contacted HSBC several times via online chat, phone call and email, HSBC still did not provide me access to the HSBC Advance account. I was never given EBN ( Electronic Banking Number ) to register my account. 

HSBC also falsely advertise 24x7 service for HSBC Advance banking. When I called XXXX after XXXX ET, no one was available to answer the call. 
https : //www.us.hsbc.com/XXXX XXXX XXXX
XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to XXXX, Transunion and XXXX for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities
Champions Mortgage will not tune loose of my insurance check I have sent all records and can not get my house fixed where I flooded Fema sent all of the paper but the young girls keep my check I am XXXX years old with holes in my house because they will not turn my check to me what can I do they do this every time when XXXX hit me they would not turn the checks I had to beg for the money that the insurance paid me to fix my house they sent an inspector to check my house to get the last check the house looked better than before to me what can I do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need help
In Experians reply of XXXX XXXX claimed they mailed my report on that day and would take 10 days, it is now 16 days and 12 business days and still have not received.
cra violation of my consumer protection act po report sent to XXXX XXXX XXXX inaccurate information must be removed
I opened a Huntington checking acct because of their 24 hour grace period if your account goes negative and I felt that that really helps me since I really cant afford fees. My account had XXXX in it and I had a check for {$5.00} returned due to insufficient funds and was charged XXXX. If the check would have went thru, my account would have been XXXX, still under the {$5.00} threshold and I would had a deposit coming thru the same day. So what happened to the 24 hour grace period that Huntington says they offer? Does it go away after a certain amount of transactions? Paying almost {$40.00} at this time of the year really put a dent in my pockets. I can see if the transactions were a lot of money, but they were {$5.00} or less. Needless to say, once I get direct deposit switched over, I will be looking for another bank, one that really cares about an average person just trying to make ends meet!
Made a deposit into the night deposit. The signage at a certain branch states that deposits made after XXXX will be credited the next day. That is false signage. The night deposit is checked by a bank employee after the bank closes each day, at XXXX. So my deposit made at XXXX on a Wednesday would not be credited until after close of business on Thursday, even though the signage states it will be credited the next business day. Crediting at the end of the next business day is at minimum misleading. Branch manager told me he would change signage 3 months ago to reflect what time the night deposit is checked. 
This occurred at the Chase Bank, XXXX XXXX, XXXX, CA XXXX and I spoke with manager XXXX XXXX three months ago.
In XXXX 2017, I filed for Chapter XXXX Bankruptcy. My bk was discharged. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing, on the summary page, accounts that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a discharged account. Discharged accounts can NOT be late-ever. 

Section 607 of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been discharged in a bankruptcy as " bad debt or late '' if the account was open and not discharged off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A DISCHARGED DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. My fico score has been severely damaged due to the credit bureau 's inaccurate reporting. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision that was unavoidable. 

On XXXX XXXX, 2017, I spoke to XXXX, XXXX  rep and XXXX, supervisor, about the violations. XXXX told me that bankruptcy is negative and they will NOT remove the negative listings. Even when I explained that her company was in blatant violation of the FCRA and Bankruptcy Code, she refused to correct the severe damages to my credit report that they caused.
I am receiving daily calls to my workplace and personal cell phone everyday from Navient about my student loans that I can not repay at this time do to the outstanding balance and interest on the loans. Navient also calls my mother, grandmother, and husband daily. My mother and grandmother are co-signers on a few of my loans and are unable to help me repay my loans due to their own financial restraints. This is harassment plain and simple and calling my myself and my family members multiple times a day ( including Saturdays ) will not change the mere fact that i can not afford these ridiculous monthly payments they are requesting from me. 

XXXX XXXX University XXXX College XXXX
I am write for XXXX XXXX XXXX XXXX XXXX us sue him a cop delivered him civil used papers. To collect a debet he does n't have no money at all. We all ready talk to them they said send it to credit bureau ....
I feel as though I should not have been approved for this loan. Its an extremely bad loan that Im in and Im needing to give the car back. The income calculated for me was incorrect.
Today, XXXX XXXX, XXXX, we are closing on the sale of a property. The payoff balances were substantially different than what they should have been based on the last received statement. In essence, they said the previous month 's statement balance is not the payoff balance. This is at least misleading and at worst criminal. How is anyone able to follow interest calculations if the balances are not correct?