WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XX/XX/2018, I spoke with a nelnet rep. They gave me a new repayment plan which was to begin on XX/XX/2018. They also told me I would get a Admin. Forbearance which meant that my account would be come current and up to date and allow time for my monthly billing statement to be sent to be before my first payment of my new repayment plan is due. Then I check my credit report in XX/XX/2018 and see that I have XXXX, XXXX, XXXX, & XXXX late fees on my report. I emailed them, faxed them and they refused to remove my remarks. They told me I was out of forbearances. So why didnt they tell me that back in XXXX. Anyways, again I checked my nelnet account online yesterday and I see they have updated my account with a new repayment plan of XX/XX/2018, which is fine, but they also gave me a Admin Forbearance, which is what I thought I was getting back in XXXX. I feel they are trying to make up for what they didnt do in XXXX. I am thankful they did this for me, but its a little to late for my credit report. I am gladly accepting this new repayment plan, but why was this not put into place back in XXXX. I feel that they made this mistake and not changed my information back in XXXX which lead to late payments on my report. If I was out of forbearances back in XXXX then why did they give me on in XXXX? Do you see what Im getting at? I think they just never changed anything to my account in XXXX and thats how the late fees came about. All Im asking is for these to be removed and make my account up to date and current. Because it was not my fault. I am keeping my payment arrangement the way it is now, but want those XXXX XXXX XXXX and XXXX updated. I also got an email from them : To dispute this further, you must file a credit dispute directly with the XXXX XXXX Agencies. Nelnet and the XXXX XXXX Agencies will then work together to investigate your dispute. Below is the contact information for each of the XXXX XXXX Agencies : then gave me the credit reporting information. 

If I file with the reporting agencies, I dont think anything will happen because they will still refuse to change this, even though its not my fault. So this seem like a waste of time. 
I have tried doing this but nelnet just keeps saying its accurate. Its only accurate because they never updated the admin forbearance on my account in XXXX.
I held a credit card from XXXX XXXX XXXX XXXX. I had to retire from my job and was without XXXX payments for over a year. The date was XXXX and at this time I called XXXX XXXX and inform them. I also tried to make payments arrangements when I did received my XXXX, however they sold my debt to Midlands Funding LLC instead. I wrote a letter to Midlands and asked them to verified the date. They sent me a bill of sale with redacted information in it. I wanted to know what they bought my debt for and could we work with this amount. Instead on XXXX XXXX, XXXX they served me with court papers to serve me with the full amount they say I owe but blank out all in their so called verification of bill of sale. I called them immediately I explained that I can not pay them this debt in full as I am retired and collecting Social Security XXXX. I asked them not to contact me by telephone. I also ask them to discharge or settle this debt for what they paid for it not what they are claiming they are saying and they refused. I said ok I will pay you XXXX a month this is all I can afford. This said that was not good enough. On XXXX XXXX, XXXX Again I received notice from the law firm ( debt collector ) stating I did not respond to their request on XXXX/XXXX/XXXX. I again started I spoke with someone and told them on XXXX/XXXX/XXXX that I would send them {$20.00} a month and I did and will continue. I want them to verified my debt and not send me paperwork with redacted and blank amounts. I want them to settle this debt for a lower amount and let me make payments. They continue to accept my payments to this day but continue to want to sue me as well.
XX/XX/2018 DATE OF OCCURRENCE CREDIT REPORT FROM TRANSUNION SHOWS ON XX/XX/2018, THERE HAD BEEN A HARD INQUIRY FROM XXXX XXXX XXXX XXXX. AND THIS IS FALSE. I DON'T WANT IT ON MY CREDIT REPORT FOR TWO YEARS, OR TWO DAYS!
I have XXXX private loans totaling about $ XXXX with Navient. They used to be with XXXX XXXX, but are now serviced by a company that I believe is fraudulent and inappropriate. Having had loans with XXXX XXXX for nearly 20 years, I have NEVER had any problems and am up-to-date on my payments. This month, I just want to speak with someone to request an adjustment for two months ( I am a XXXX and cash flow is slow right now, so I would like to pay interest only for 2 months ). However, I call their customer service number and am put through to a person trying to sell me coupons. Once I was done with the telling the person I did n't want his deal, he hung up - I was never put through to discuss my loan. I called again and had to go through XXXX different recorded advertisements for " deals '' only to get through listening to everything and it said, " Please hang up now. '' I tried again and received a new phone number to call - XXXX - that was another road to nowhere. Basically, there is no customer service. This company is servicing $ 11K of my private loans with interest, they have access to all of my personal data including my bank accounts, and they appear to be running a scam. I had NO say in who took over my loans from XXXX XXXX - but while XXXX XXXX was n't fabulous, they appeared to be a business with an actually staff and customer service that did there job. Now, I have with absolutely no control over the circumstances been put at the mercy of Navient and have my private information with a company that I do n't feel has the integrity or infrastructure or knowledge to be managing ANYTHING related to my student loans or finances. This is completely and totally ridiculous. If you do not actually have service members to service your customers and you are essentially running " deals '' over the phones to channel your customers to dead ends when they need questions answered, you are likely running some fraudulent enterprise. I do not know what to do, as I do NOT want this company to have any involvement in my personal world and want a company/bank with integrity to service my loans instead. What are my options? 

Thank you, XXXX
I have almost XXXX dollars in private student loans serviced through servicer AES and lender XXXX. I make {$15.00} an hour currently. The standard payment they wanted me to pay was around {$860.00} a month. I can not afford that monthly payment indefinitely so I applied for their modified repayment plan XX/XX/XXXX. They wanted my XXXX most recent pay stubs so I sent them to them. I receive some correspondence some 10 business days later that they need my pay stubs again. I begrudgingly sent them more pay stubs and awaited a reply that was made ever longer by the holidays taking away business days from the month. I called a few times in between then and now to see what the deal was and was basically given the run around. XX/XX/XXXX I was told that we were just waiting on XXXX to approve or deny my application so I waited. In the meantime I had to pay the standard payment of XXXX and did so by borrowing money from my family. I have done this for the months of XX/XX/XXXX, XX/XX/XXXX, and what will now soon be XX/XX/XXXX. How many more months will I have to keep this up? I called again at the beginning of XXXX and was told that the application was only just sent to XXXX on XXXX XXXX XXXX. Previously, I was told that XXXX had already received my application. That was clearly either an outright lie or a skillful misdirection. I just have no hope for this process. Applying for IBR for my federal loans was a piece of cake and quick. At least my federal loan servicer ( XXXX XXXX ) applied a forbearance on my account while the application was in process. I went to the University of XXXX in XXXX.
I was notified that a creditor, HSBC, did not report to the credit bureaus my payments to XXXX since XX/XX/XXXX, XXXX, and XXXX XXXX since XX/XX/XXXX, even though they were all made on time. I have never missed a mortgage payment, and have been with them for ten years. After learning that this non-reporting does impact my score, I wrote a letter asking that they insert the payment information ASAP. They refused. HSBC account # XXXX contactXXXX.
I obtained my credit report from all 3 bureaus at the end of XX/XX/XXXX. On XX/XX/XXXX, I wrote the bureaus and sent certified letters to each bureau. I updated inaccurate information and disputed a collection account that this company reported. XXXX XXXX is claiming that I have an outstanding balance of {$600.00}. On XX/XX/XXXX I sent a letter to XXXX XXXX to validate the debt they claim I owed. In my letter, I asked for debt validation with my original signature on the document stating that this debt is my contractual obligation. I also included a hand written letter asking if they were legally able to collect debt at this present time because their business entity that is listed on my credit report, is showing inactive. The business expiration date for the address provided is XX/XX/XXXX.
A fraudulent account/loan was opened in my name by a fraudster with the company called " XXXX ''. The loan is now being reported 30 days late. I contacted the company XXXX, and they said they would email me documents to support the fraud claim, but they never sent the email. When I asked where the proceeds to the loan were sent, they said XXXX Bank, which I never have heard of. This is a fraudulent account, and it needs to be removed from my credit report now.
I have been receiving a call daily for a couple of months from National Enterprise Systems. They leave a message on my answering machine to call a number from a debt collector. Since I have no outstanding unpaid debts, I do n't answer or respond to the call. The number they ask me to call is : XXXX. The call, today, came from XXXX.
On XX/XX/XXXX at XXXX XXXX ET, I entered a money transfer transaction from the US to XXXX : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Total Billed Amount : XXXX USD Exchange Rate : XXXX USD = XXXX CUC Transfer Amount : XXXX CUC Total to Receiver : XXXX CUC Transaction Number : XXXX XXXX XXXX In XXXX, the funds were unable to be retrieved because, unknowingly , Western Union does not allow US Citizens to be defined as the recipient of funds in XXXX. On XX/XX/XXXX at XXXX XXXX ET, I spoke with Western Union Customer Service for 15 minutes and 37 seconds to request that the Transaction be cancelled so that I could be refunded. I was told the transaction was being cancelled. On XX/XX/XXXX at XXXX XXXX ET, since the transaction was NOT cancelled, I submitted an online Refund and Cancellation request with Western Union ; Case Number XXXX On XX/XX/XXXX at XXXX XXXX ET, I called Customer Support again. I was on the phone with them for 42 minutes and 13 seconds, and was told that the system has an error, and that is why they are not able to process the cancellation of the transaction. On XX/XX/XXXX, I used the Customer Support Chat feature to contact Western Union around XXXX XXXX ET, and was told there have been no changes, and that they are still unable to cancel the transaction. To summarize, Western Union has held {$540.00} from my account since XX/XX/XXXX, and has not given me any updates or time frame as to when the  system error can be resolved in order to cancel the transaction and grant a refund.
I am writing in reference to Midwest Recovery Systems. I do not have a signed contract nor any contract with this Agency. There has been absolutely no correspondence or notification from this company at all. This company has first fraudently reported the " Opened Date '' as " Unknown '' & then later reported the open date as XXXX.XXXX, 2017 the date the collection was placed on my Credit Report without notice. I demand to see a signed contract between Midwest Recovery Systems and myself.
I have submitted financials and request for mortgage modification to Wells Fargo several times in the last year. Wells Fargo has refused to lower my house payment and interest rate. I became late on my payments when my mother became XXXX, I 'm my mother only care giver, I 've had additional medical expenses with the doctors visits and her medicines. I do want to keep my home. Please assist me with getting my mortgage modified.
To whom it may concern, After checking my credit report. and learning I had a charge off on my credit report from XXXX XXXX I sent them a account validation letter. On XX/XX/XXXX I sent XXXX XXXX in XXXX, MD the debt validation letter concerning the charge off on my credit report. I asked for a validation of this debt. I wanted them to send me a copy of the original signed contract. On XX/XX/XXXX they sent me a letter stating they have reviewed their records and determined the information reported to the credit reporting agency was correct. They did not provide me with a copy of the contract as the law requires. I have attached a copy of the letter they sent me. This is not a validation of a debt. I also disputed the information on my credit report with Experian, XXXX and XXXX but the credit dispute has not removed the information from my credit report.
I purchased an item with my Macy 's credit card, and never received notice of my late payment or my account statement balance. I discussed the situation with Macy 's and they removed the late payment fees because they acknowledged that I never received a formal invoice requesting payment. My credit score has been severely affected by this situation and I would like to know how it can be fixed.
On several occasions in the months of XXXX, XXXX and XXXX, I contacted Equifax to dispute a bankruptcy and a few liens that were showing on my credit report. I was told that they got their information from XXXX XXXX. I also tried numerous times to get in touch with XXXX XXXX to get a copy of my consumer report from them and was n't able to get a copy until XXXX. On or around XXXX XXXX, XXXX, I tried once again to get Equifax to remove the bankruptcy and liens listed on my report and they once again came back XXXX the XXXX stating they received the information from XXXX XXXX. I finally received a copy of my XXXX XXXX report on the XXXX of XXXX and it did not have the Bankruptcy or the liens I disputed listed on them. I 'm confused at this point. How can you say you received the information from them, when it is not listed on their report to begin with. The XXXX XXXX report also lists companies who requested my report, Equifax is not listed there.
Experian is reporting a hard inquiry from XXXX XXXX on my credit report but I never applied for any products from XXXX XXXX. I uploaded a copy of the certified return receipt from the dispute I filed with Experian and as of XX/XX/2018 the hard inquiry is still being reported.
I have disputed this collection account from XXXX XXXX XXXX, XXXX on credit karma for the last 2 years. I've never had any association with XXXX XXXX XXXX. My phone line has been with XXXX XXXX XXXX for the past 5 years. I am led to believe that this IS fraud. I disputed with XXXX XXXX and noted that the balance is not mine and they need to remove it but to date they have not.
XXXX card issued me a credit line through comenity bank, they gave me a credit line of {$1000.00}, i go to XXXX SITE and shop on their easy payment plan iyems, ive been doing my monthly payments not until i noticed that my monthly dues doubled, when i reviewed my account i found out that they raised my credit to {$2000.00}. after i found out i immediately closed the account and contacted comenity bank and asked if they could lower my APR, but instead they gave me a generic response. i still make monthly payments but i can only afford half of the amount. i never asked for credit limit, i think what they did was fraud, i own a few credit cards and its always me who ask for a credit limit., but comenity took advanatage of me, i was a good payer and not until i ca n't keep up my monthly dues, i reach out to them twice but they i always get a generic answer and they are not willing to help when it comes to lowering APR and late fees, even though i make monthly payments but since im not paying the minimum bal. they charge me for late fees and apr. they have been harassing me, calling me everyday under : unknown '' caller. i want to resolve, but im only willing to pay the amount i owed with low APR.
I am XXXX years old XXXX XXXX, XXXX, XXXX XXXX XXXX A XXXX XXXX XXXX Credit line was opened without our being being aware XXXX XXXX Contract Number XXXX  Purchased XX/XX/XXXX To XXXX XXXX A XXXX XXXX account was opened for us without our knowledge. We have learned this happened to another family in Tennessee as reported on the news.

XXXX XXXX XXXX Sales agents in XXXX  : XXXX XXXX was highly aggressive XXXX XXXX  We purchased XXXX XXXX  points in XXXX but were told it would not cost anything is we charged things to the Barclay credit card they issued. We have learned this only pays pennies on the dollar. They said we did not have to pay anything until we got our statement. Somewhere they said they charged us {$2000.00} on a credit card they issued. XXXX points for {$14000.00} was charged to the Barclaycards. I didnt know what we bought. They just said if we charged things using the Barclay credit card, then it would be all be free because we would not have to pay anything. You would pay for the purchase by using the credit card. We were there from morning until about XXXX XXXX in the afternn0on.

{$5500.00} was put on a Barclaycard in XXXX name {$9300.00} was put on a Barclaycard in XXXX  name {$7300.00} Promotional purchase {$2000.00} Promotional purchase {$30.00} Promotional purchase We then received a Welcome to XXXX XXXX   credit and thank you for an account on XX/XX/XXXXwhich I had no idea had been opened.

I cancelled the credit card shortly after the transaction XX/XX/XXXX, but I learnedXX/XX/XXXX that Barclays says I need to pay the credit card charges.

We were not even aware that the Barclay cards had been opened until we returned home. They ran our credit on our personal card and came back and said we had great credit. Without our knowledge two Barclaycards were opened.

We owe XX/XX/XXXX maintenance fee to XXXX  {$53.00} I have always paid my bills until this nightmare. I have sciatic nerve problems and I dont know what to do. I am not sleeping and dont know where to turn. I am working just to make money to try to end this.

This is Elder abuse and Elder fraud.

There was no time to read anything.
I used to live a apartment called " XXXX '' in XXXX from XXXX to XXXX and when my least ended in same year XXXX I did n't renew the least and I gave the manager two months notice ahead. And told her I 'm leaving some of belongs in the apartment so you can donate to any charity you like and she agree to it. Also the manager she made me to not ask her the deposit money back. I said why? And she said I 'm going to clean towards the apartment. And I said fine, so then I left.
I have tried to contact XXXX XXXX XXXX XXXX XXXX XXXX regarding this debt unfortunately a previous roommate took my information and ordered items without my knowledge I do not have any information on how to track them down I have been trying to resolve this for quite some time now please consider removing this account from my name as I did not incur these charges. I have tried to contact XXXX and XXXX and XXXX agency regarding this debt unfortunately a former roommate took my information and ordered items without my knowledge. I do not have any information on how to track them down. I have been trying to resolve this for quite some time now without any luck. please consider removing this account from my name as I did not incur these charges
In XXXX 2015 my credit card with Citibank was compromised. They contacted me promptly to address the issue, told me they were freezing my card and sending me a new one. At that time they notified me of a few pending charges and assured me that those charges not incurred by me would be refunded. 

Unfortunately, I later noticed XXXX charges from a company called XXXX XXXX, each for {$140.00}. This appears to be a company based in Tennessee. I currently live in XXXX, XXXX. I have never heard of or done business with this company. As soon as I noticed these charges on my bill I contacted Citibank to notify them, and was told they would be refunded in 7-10 business days. 

Approximately XXXX weeks after my initial conversation with Citibank about the fraudulent charges from XXXX XXXX, I called them again to notify them that I had only been refunded XXXX of the charges and the remaining {$140.00} was still outstanding. They assured me that the charge would be refunded and again asked me to wait up to 10 business days. In good faith, I did, but no further credits were made to my account. I have since contacted them XXXX more regarding this same charge. The last time I called, approximately one week from today, I was told that the charge was refunded to me, but for some reason it was not showing up when I looked at my bill online. I was told that they would send me copies of my paper statements, which would show the refund. 

I received the paper statements earlier this week, and no refund appears. I see the original refund for {$140.00}, which I was well aware of, but nothing has been done about the remaining {$140.00}. I even thought there might be an error in showing the credit/refund, on the bill, but it might instead be reflected in my balance. This was not the case. I added up the credits and debits to my account manually, and the balance is still missing {$140.00} incurred due a fraudulent charge.
I have never heard of the agency ARC reporting derogatory marks on my credit report and they seem to be a third party and I am filing a NO CONTRACT Dispute. Please investigate as the information reported is false and remove from my credit report.
I am a victim of identity theft. My XXXX XXXX XXXX XXXX XXXX credit card # : XXXX. The following accounts and credit inquiry are fraudulent, unauthorized and not mine : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
I am having the exact same issues with this financial institution as is described in the PayPal extras mastercard review link provided below. I need help recovering my account payments in the amount of approximately {$2600.00}. They refuse to credit it to my account so that I may have my credit for spending reflect my payments made and collected by them. This is a real scam that needs overseen by some agency with the authority to shut them down. 

XXXX
contacted Experian,  XXXX  and   XXXX   from  XXXX  concerning inquires that were removed from credit report that still appears on there. they advised that they were removed. keep calling back now they tell me that I need to contact the companies that requested my report. I contact those companies and they refer me back to the Agencies. this is an on going issue that I want to have removed. I have also had addresses on the account that did not belong to me. My father was put as my husband.  XXXX  list other people names and ssn on my credit report. The last updated report received from  XXXX  had full ssn of other people that is a violation. They mixed up files. only  XXXX  address and employer should be listed on my file. Every time you call now everyone is a supervisor at Experian and  XXXX  and cant help you. The purpose of putting a fraud alert and security freeze is to be protected from theft. These companies are allowing others records to be mixed with different people and if you call to validate and have the information removed its always an excuse. When I call to check on status of disputes I will get a letter in the mail stating that it has been extended due to recent inquires. This is not acceptable.