WillisBack/dataset-financial-user-claim huggingface dataset:
I had a {$6500.00} XXXX credit card account with a balance of {$6100.00} in XXXX. In XXXX I had gotten laid off from my job and worked out a fixed payoff plan and had paid over {$2000.00} by XXXX. I missed XXXX payment and they bounced the balance up to {$6500.00} stating the reasoning was because of the payment arrangement that we had. I told them that I would agree to settle with the remaining {$4000.00}, and felt cheated since they basically " stole '' {$2100.00} from me, but they would not have it. They ended up sending me to collections and then put a lien on my house. That house was sold in a short sale in XXXX and in XXXX I got notification that XXXX was attempting to collect {$10000.00}. I ignored it and figured it was a scam because I never had any account with them for {$10000.00}. Now I am trying to buy a house, it is over 8 years since I had the debt, and I come to find out that a company called PERSOLVE, LLC ( Account Resolution Associates ) is claiming I owe them {$10000.00}, apparently from this credit card account, and is preventing me from buying a house. Should n't this have been settled with the Lien in XXXX? How can they legally come to me 6 years after the lien and try and collect over 2 times my remaining balance of {$4000.00}?
My balance is XXXX in XXXX they say that I enrolled in a debt management program. Which I did not. I am trying to get closure on this account. They won't give me a settlement amount and then they are making my payments late and it's not fair. It is affecting my credit.
the original creditor illegally keeps XXXX sets of books and applies the payments to the wrong books. the debt collector needs to provide a complete accounting of both sets of books showing I had an overall positive balance with them at ALL points in time.
My name is XXXX XXXX and I would like to thank you in advance for expediting any assistance you can render as the property of which I am writing is scheduled for Foreclosure sale on XXXX XXXX, XXXX. Suffice it to say -- - I am in dire need of assistance. 
As mentioned, my name is XXXX XXXX. In XXXX my mother, XXXX XXXX, who is near XXXX years of age took out a reverse loan on her property - XXXX XXXX XXXX XXXX XXXX, MD XXXX. Unfortunately, she did not pay the taxes and her home was purchased in a tax sale by Champion Mortgage. When Champion Mortgage could not get their money for the taxes they went to court and had my name added to the loan. Thereby making me liable.The property is scheduled to Foreclose on XXXX XXXX. It was recommended that my mother file bankruptcy to stop the foreclosure. What else can we do? I am very troubled by all this as I do not want to file bankruptcy, In fact, I do not believe my name should be on the loan. Please help. My Real Estate Agent - XXXX XXXX at XXXX My mother - XXXX XXXX - XXXX and my number XXXX -- Please leave a message and I 'll call you back immediately. I am working and would have to find somewhere to talk in private.
I graduated from my XXXX and XXXX program in XXXX XXXX, I immediately went into after school deferment for 6 months ( XXXX XXXX ). Afterwards, I was in financial hardship for a year until XXXX XXXX, but Nelnet serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted Nelnet in XXXX XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XXXX XXXX. My credit report shows paying ontime up until XXXX XXXX but shows 90 Days late for XXXX and XXXX XXXX for Nelnet for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to Nelnet in XXXX XXXX for my loans to be sent to them, they stated they finally received it in XXXX XXXX, my deferment ended in XXXX XXXX. But nelnet refuse to take actions to correct this issue.
I had originally established a repayment plan of which I had paid all but the last payment. The bank account I used to pay the account ( XXXX, had a security breach and cancelled a large percent of their customers cards due to the breach ). Because of this I had to resubmit the payment method to pay the last payment and complete the agreement, which I did. Then XXXX XXXX then did not withdraw the amount for the last payment on the agreed date. Upon realizing that the final payment was not made, I answered a collection call and spoke with a representative on XX/XX/XXXX. I explained the situation, she said that I could pay the last payment and it would be done. I was at work and did not have my debit card with me and took down her name, number and extension and told her I would contact her with the info from the card to complete the transaction. Upon calling the number I found that I could not reach her and was not able to complete the transaction. I then received a letter around the end of the following week stating that the agreement was cancelled and I now owed {$480.00} in place of the final {$48.00} payment. I contacted the number listed and was told there was nothing I could do, despite the previous efforts and attempts to pay my final payment and the company not following through on the agreed upon plan. I have tried to handle this issue with the XXXX XXXX and their inability to honor the agreement appears predatory and dishonest. They have had the new card information on file since I called it in, they had it when I was told I would have to resubmit it and they have not made any effort to mitigate their mistake of not charging the card on the agreed date before. I feel that due to their lack of responsible business practices that my debt should be considered " paid in full '' and utilize this case as an opportunity to better their employees or leadership actions to ensure that another person is n't subjected to several interruption incidences that create unneeded stress on someone who obviously is already under financial stress and trying to repay their debts.
Chase mortgage is reporting paid, 30days late on my credit report. the late payment was in XX/XX/XXXX. I have a court signed judgement that my exhusband XXXX XXXX is responsible for the debts of the former XXXX home located at XXXX XXXX XXXX XXXX, La. I have a judgement dated XX/XX/XXXX and XX/XX/XXXX stating this, I was not even living in the home. Please remove this late payment from my credit report and leave it on XXXX XXXX since he was responsible for this debt.
I would like to write a follow up complaint regarding the investigative results I recently received from Equifax regarding an illegal item which appears in the section marker PUBLIC RECORDS on my credit report. 
My lender has just refused me a mortgage refinance re-structuring on the grounds that this item is present on my credit file with Equifax ( only ) making me a " high risk '' consumer. 
I have literally lost the ability to save nearly 2 % on my mortgage loan because of this falsely reported item which Equifax refuses to remove from my file. -Case # XXXX was incorrectly placed against me before I had counter sued and won the plaintiffs in XXXX XXXX superior court. 
This case is not supposed to be updated to show " satisfied/released '' because it was never paid or ever owed and the Judge ruled the case in my favor throwing out this judgment against me pending my counter suit, which settled in 2012. There are currently NOT supposed to be any public records items on file under my name or social security number and Equifax is in violation of FCRA law by reporting this misinformation in my records. I have no such items listed under any other credit reporting bureau and this is a mistake on Equifax 's behalf. I demand that it be removed immediately, I am currently in the process of shopping for my mortgage to be restructured so that my family does not lose our home and they are severely hindering my ability to acquire any and all rates being offered to me through my bank. 

I strongly disagree with Equifax 's decision and reinvestigation methods. I received no new information, no proof of this item and no release/satisfied notices. Where did they come to this concision? How? Let us see the proof? now! 
Equifax HAD NO RIGHT TO UPDATE or CHANGE THIS TO ITEM REFLECT EVEN MORE INACCURACIES! This item was never paid, never released because it was EXPUNGED and thrown out of court pending a counter suit with the original creditor. I do not and have never owed this amount NOR is your system up to date if you were able to see this old item. The XXXX XXXX superior court has issued me an expunging of this case and I was free and removed from this lawsuit. It MUST be removed from my records immediately!
On XX/XX/18 at XXXX, I received a phone call from XXXX, Service Manager at the XXXX, MD, branch location stating that there was a teller error made and that she had questions for me in regards to a {$200.00} cash deposit I made at the same branch on XX/XX/18. She started off very impatient, which put me on the defensive right away, and continued to demand multiple pieces of information regarding my account and my deposit that I, quite frankly, didn't feel obligated or comfortable giving her. I answered her questions, however, with much difficulty because XXXX did not allow me to complete a single sentence before coming to her own defense with why she was demanding information. She did state that one of her tellers made a mistake and put money into my account but didn't know what denomination the mistake was made in. I told her that I was not obligated to answer any of her questions, and that if she continued to interrupt me I would end the call. She then threatened to take my deposit out of my account if I didn't give her the information and documentation she asked for about the transaction. 
SO, where is MY wrongdoing?? I made no wrongdoing, and now am experiencing emotional distress due to an error Wells Fargo Bank made, not me. I immediately contacted the bank with a complaint against the Service Manager, XXXX, and have not heard back. Now I feel like my money isn't safe! I'm not rich, and this bank is blaming their customers for their own mistakes. I can not be held liable for their issues and did not sign any documentation stating otherwise. I feel like suing.
In  XX/XX/XXXX  I was forced to do a short sale on my home in  XXXX  Idaho., The mortgage holder was Bank Of Americ a .  THey took a year to process the short sale and it closed lat e  XX/XX/XXXX  or early  XX/XX/XXXX . I  have waited the required 7 years to get a new mortgage, only to find that Bank Of America did not close out loan until   XX/XX/XXXX .In  the meantime they sold the loan to  XXXX   XXXX   , who ha s been lax in crediting deposits on time.   Im  XXXX , retiring in 2 years, a  XXXX  Vet., with a credit rating from  XXXX  of  XXXX , and  XXXX   XXXX . I just ask Bank Of America to end this nightmare before Im to old to have any more decisions.
First, XXXX XXXX XXXX has admitted to supplying a false address on my credit report and as Experian can tell, was allowed to change the address after verifying the address for months as the XXXX Virginia. I am also including the last statement from XXXX XXXX XXXX that has the account balance as {$0.00} and XXXX XXXX XXXX has itself said that they filled a XXXX forcing me to pay taxes on this account as miscellaneous income. In the case XXXX XXXX, a judge stated that if any company filled a XXXX that they have given up all rights to collect any money on the account since filing a XXXX is not required until the debt is written off so it is the company 's choice when to file. Next, I just noticed that XXXX XXXX XXXX is on my Experian credit report, this account is not only fradulent but XXXX XXXX XXXX gave up all rights to collect on this debt in a settlement that I am attaching with this complaint signed by myself, my representative, and their representative. Lastly, I have no paperwork to send with my complaint that XXXX XXXX is a fradulent account, but I will attach a picture of the only jewelry I have, my wedding ring, and you can ask them if that is the jewelry they are talking about, I guarantee you that it is not since I bought it from XXXX. XXXX XXXX XXXX, XXXX, and XXXX XXXX are all result of fradulent and illegal activities. I AM SAYING THE ENTIRE ACCOUNTS OF THOSE XXXX BANKS LISTED ARE A RESULT OF FRAUD AND I AM SAYING EVERYTHING THEY ARE REPORTING IS WRONG. I put that in all caps since Experian has a hard time figuring out that I am saying all XXXX accounts are completely fradulent and wrong. I know you received my certified letter and I lent what I said, 30 days after you received that letter that I will name Experian in my lawsuit if these XXXX accounts are not removed. Experian is required by law to block fradulent and illegally reported information and Experian has refused to block this information. I am serious and once the paperwork is filed, I will not settle out of court.
In 2013 I was charged over {$30000.00} in overdraft fees. It started slowly but snowballed due to the fees drawing my balance down to where other checks and debits were also assessed fees. I was given phone # 's to call of people who no longer worked there. I was always given the hope the overdrafts would be reversed. I have later learned that if I had banked anywhere else I would no have incurred any of these fees. Due to the practice of posting debits in front of credits. In all of 2013 I never bounced a check. The money was there for both the checks and the fees. On XX/XX/2013 they closed my account at the same time charging more fees. Shortly after closing my account they accepted a {$6000.00} wire and held it for a week and accessing fees before they released it. 

I have tried hiring a lawyer but no-one will go up against Wells Fargo. I had given up hope before my nephew who is pre law gave me your web address. 

Please Help! I lost my business over this. 
XXXX XXXX XXXX
OnXX/XX/XXXX I was instructed by a representative of XXXX XXXX ( XXXX, XXXX ), XXXX XXXX XXXX in NY, to wire {$65000.00} to the account of XXXX XXXX , XXXX at TD Bank, Florida for the purpose of purchasing a money clearance document, for the alleged {$11.00} Million in cash sent for purchase of raw material / XXXX XXXX that XXXX XXXX, XXXX requested for allegedly use for medical equipment that they produce in XXXX and also have offices in the US ( i.e. XXXX, CA ). From XX/XX/XXXX through XX/XX/XXXX, XXXX XXXX spoke with me on the phone and said that the $ XXXX wire-transfer has not been received and on the XX/XX/XXXX he suggested that I request the funds be returned something was wrong. According to my then bank, XXXX XXXX, onXX/XX/XXXX XXXX XXXX sent me a copy of a communication from TD Bank advising that the subject $ XXXX funds will not be returned ( see copy herewith ) in regards to my case # XXXX. At this point, I strongly suspect that TD Bank was involved with XXXX XXXX , XXXX in defrauding me, and likely others based on XXXX XXXX phone comments to me stating that multiple claims were filed against the XXXX XXXX , XXXX account at TD Bank, some over $ 100K. To date, no detail has been provided, however, I received an email from XXXX XXXX confirming that the account holder is refusing to return the $ XXXX wired funds without any explanation / cause. This is clearly grand theft since no transaction materialized when XXXX XXXX chose to move the cash overseas to the XXXX ( see attached email ) from XXXX XXXX. Additionally and curious, on XX/XX/XXXX I received an email from XXXX XXXX advising me that I would be receiving {$290.00} of the original $ XXXX even though my claim and the subject TD Bank account was allegedly frozen with my fraud claimXX/XX/XXXX.  Clearly, something is wrong at TD Bank offering this {$290.00} token refund that is unacceptable and will not be cashed since received a cashier 's check from XXXX XXXX, not TD Bank as sad by XXXX XXXX to me. Please assist me in recovering all my money since this is clearly grand theft and a scam on me. I greatly appreciated your assistance in recovering my money..
I applied for a credit card with XXXX XXXX XXXX store and the application is through Synchrony Financial. Upon reading the items that I am agreeing to on the application, the first one reads : " I am providing the information in this application to SYNCB and to dealers/merchants/retailers that accept the Card and program sponsors ( and their respective affiliates ). I also provide my consent for SNYCB to provide information about me ( even if my application is declined ) to dealers/merchants/retailers that accept the Card and program sponsors ( and their respective affiliates ) so that they can create and update their records, and provide me with service and special offers. '' There is no way to opt out of this and basically, a condition of the credit application forces me to allow them to market my personal information to outside companies. I do not want to allow them to do this, but then I would not be signing the agreement and unable to obtain credit. I do not believe it is fair for this company to require me to allow them to market out my personal information as a condition of applying for credit. I would like this matter investigated. A copy of the application is attached.
XXXX is reporting a account with the wrong open date. It 's not accurate. The account is years older then what 's being reported. It 's misleading information for means of obtaining creidit, which leads to negative success of new credit. What a headache.
I want to submit this complaint in reference to a service or lack of service from JP Morgan Chase Bank. Chase has closed my checking account and refuses to provide a reason as to why. They did this one day before my direct deposit from my bank would be processed. I fully understand that Chase is the owner of the account and can close my account for any reason at any time. It is frustrating though that the only income I have is in that account and I do not have access to it, or that they can not give me the reason as to why my account was closed. They also indicated that my direct deposit was going to be forced deposited into that account, therefore restricting my employer from giving me a check for my paycheck. They indicated to me that they would not mail me my funds in a cashiers check until the account is fully closed which can take 10 business days. These funds were to be used to cover my rent which is due on the first. My account was not overdrawn and there was no fraud activity occurring on my account, so I can not understand the reasoning for this. I believe it is unfair for them to close this account when I have been a loyal customer for over 4 years. I believe they are deceiving me by not providing me with an explanation as to why they are doing this. I would just like my funds back from the bank.
Credit Bureau Associates-Northeast IncXXXX for amount of {$4300.00} and account number is XXXX. I have sent Credit Bureau Associates-Northeast Inc. a debt validation again and they have not responded and still have account listed on my credit report with XXXX, XXXX and XXXX. The account does not belong to me.
Experian Report # XXXX Date XX/XX/18 1 of 20 XXXX XXXX has incorrect information as showing when XXXX XXXX XXXX did not report this and Experian has information missing from the original year from the start on this account. 
Experian does not provide the history of to when the account started and years skip on this account. 
Experian has ND for ( No Data ) if Experian was gathering information why is so much missing???? 

XXXX XXXX XXXX never reported this account so how is it Experian has information when they by letter never reported this account and why is it on my credit file and showing the way it is by Experian. 

attach letter showing there was or no Delinquency on this account
I went to court on XX/XX/2018 for a debt of {$1100.00}. I pled guilty and discussed with the debt collection agencys attorney the repayment plan. The attorney stated I could make {$25.00} payments and that these could be made through my current debt management agency. I was to call the debt collection agency to set up my payment. 
I called on XX/XX/18 and spoke to a XXXX. He told me that my payment would be {$220.00} a month. I relayed to him what his companys attorney told me I could make a {$25.00} payment. He put me on hold and then said he can only do {$150.00}. He also told me I could not send in a payment by check. He stated I had to give him either my routing and transit number or my debit card number. 
I felt completely pressured to give him my private bank account number and feel extremely violated. I did not want to give any non public information of mine to him but Felt pressured to do so.
Massive student loan debt has paralyzed my - and many of my peers ' - ability to move ahead in our lives ( e.g., getting married, buying a home, leasing a car ). It is my hope that CFPB takes heed to public comment regarding student loans and dramatically alter the predatory lending practices of loan providers. Speaking for many borrowers, I did not foolishly borrow money to pay for frivolous items while in school. I borrowed what I absolutely needed in order to obtain an education. 

Specifically, I am writing to comment regarding : 1. Procedures servicers utilize to ensure that borrowers can avail themselves of alternative repayment options ; 2. Disclosure, accessibility, and availability of affordable modification options ; and 3. Procedures servicers utilize to ensure that borrowers can avail themselves of alternative repayment options : Sallie Mae, now XXXX, representatives purposely misled me on multiple occasions regarding my repayment options while in between jobs. Multiple representatives informed me that my only option was Forbearance, when in fact, continuing my IBR plan was also an option. Remaining on IBR would have been in my best interests, but not in Sallie Mae 's. 

4. Disclosure, accessibility, and availability of affordable modification options ; That is only one of many instances that Sallie Mae misled me on my repayment options. The second instance involved the Public Service Loan Forgiveness program. I have been working in the public sector since XX/XX/XXXX, and learned of PSLF XX/XX/XXXX. When contacting Sallie Mae about enrolling in PSLF, I was told that the interest rate would increase significantly ( false ) and I would need to make 120 consecutive qualifying payments while employed at a qualifying organization for 10 consecutive years ( false ). Hearing these XXXX reasons deterred me from enrolling in the program until I learned in XX/XX/XXXX that you did not have to make consecutive payments. Upon finally enrolling in PSLF ( which required a change in service provider that took nearly 4-5 months ), I learned that none of my payments made qualified for PSLF. This is deeply frustrating for me and many others who have dedicated ourselves to public service. I do not believe Congressional intent upon creating the PSLF program was to penalize individuals in public service for being unable to navigate bureaucratic mazes. As a result of this misinformation, I am now more than 9 years away from having my student loan debt forgiven ; had I been given the correct information by Sallie Mae representatives XX/XX/XXXX, I would have been only 2 years away. 

Ideally, I would like my previous payments prior to transferring my loans to XXXX to be counted as qualifying payments for PSLF. Many borrowers like myself do not understand the difference between the different types of loans and the differences between FFELP loan providers. We should stop being penalized for adhering to the false guidance of these companies. It is not our fault. I do not believe I am asking for anything out of the ordinary. In fact, I believe I am asking for student loan service providers to follow Congressional intent with the PSLF program.