WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX accounts on my credit from West Asset Management that they refuse to remove. Both accounts are from XXXX XXXX XXXX in XXXX Oklahoma. I was informed that they have sent me several notices prior to placing them on my account. I advised that I received no notices or validation of the debt. I also advised that we/I have always carried XXXX medical insurance providers through my work and my mothers job. The agent as well as the supervisor verified that only XXXX insurance company was submitted to request payment and not the other. I have disputed with the agents numerous times and they refuse to remove or verify any information with the medical provider. I was advised that billing the medical insurance company is a courtesy provided by the provider and it is up to me to make sure the insurance company pays the bill. I never received any documentation to dispute the charges and when I found out they were on my credit report. I can not stress the issue with NEVER receiving any documentation to submit to the company to dispute the charges. The supervisor was extremely disrespectful and offered no additional assistance. I have valid proof that I had XXXX medical providers coverage at the time and offered to submit the documentation. The agent stated she read through the notes and does not see any notations referencing billing the secondary insurance and that she can not do any thing to remove the accounts and that I needed to obtain a different avenue.
CRA/HIPAA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
After requesting PMI removal in XXXX 2016 and fighting for months to obtain a fair appraisal of our property, two separate customer service representatives from Seneca Mortgage told me ( in a recorded call that both agents agreed to ) that my request for PMI cancellation probably was n't being taken seriously because " my property was n't worth anything. '' The customer service agents then proceeded to argue this " fact '' based on their own assessment of the land using the property taxes that my husband and I paid on the farm land. Neither agent understood what a " farm deferral '' was and that we pay a large reduction in property taxes, as we 're currently XXXX this land that is zoned for a subdivision of XXXX houses. Over the course of 5 months, Seneca failed, refused or was unable to complete this appraisal and transferred our loan to a different carrier. 
My husband and I feel that agents with Seneca conducted their own unofficial and unprofessional appraisal of our land and our request for PMI removal was ignored, despite the value of our property being appraised by our county at XXXX times our loan amount and us being current on all requirements of PMI removal via the Homeowners Protection Act.
I contacted Regions on XX/XX/XXXX through the customer service line regarding a payment that will soon be withdrawing from my account. I notified the representative that I 'm worried about a payment that will hit the account soon and that it would overdraft the account. The Regions representative notified me that since the payment has n't hit the account yet, there would n't be any overdraft fees. She also notified me that if the payment does decide to hit the account, then all I have to do is make a deposit before the payment post. So late Friday XXXX XXXX, the payment for XXXX hit the account but did n't post yet. I had 4 pending transactions : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and chairs that were pending but the funds were already taken out of the account leaving me with {$45.00} in available funds. When the XXXX payment hit on the XXXX, it made the account become overdrawn and XXXX XXXX and XXXX to savings posted. So I went to the branch in XXXX and spoke with a representative named XXXX. She notified me that I should n't have been charged on my account and told me that I will have to contact customer service since her branch was n't the one that opened the account. So I contacted Customer service and they were able to credit back {$18.00}, but told me to contact my local branch in Alabama to get the rest of the funds refunded. When I contacted the XXXX Alabama branch on Monday XXXX XXXX, the representative did n't honor the agreement and told me that I was misinformed by all the other representatives that I spoke with. This is really upsetting when all the other representatives are on the same page, but the branch that opened my account is n't. Now I have an overdraft fee for {$72.00} on my account that should n't be there and I feel like I was lied too.
My variable rate loan increased witched I expected it to do. However, I tried to contact XXXX XXXX to see if it could be adjusted since I have my home on the market for sale. I've called several times including (XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX) and have not been able to speak with the correct department yet. During this time, I went to the NC Banking Commission website and found they are not licensed in NC. Also, I did some research and found the web site below. I will probably not have to deal with them too much longer, but the other consumers should know about this horrible company. XXXX
I am a victim of identity theft. There are several items listed on my report that do not belong to me. I have tried several times through disputes to have them removed ; yet they are still on my report. XXXX XXXX XXXX remains on XXXX and Equifax report. XXXX remains on XXXX, Equifax and XXXX reports. XXXX XXXX remains on Equifax report. And unauthorized inquiries remains on all three. I have attached my ID Theft form. Please remove these items within four business days as legally obligated under the FCRA. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
i just dont think its right that the credit companys are still showing my bankrupsy after after 7 years
On XX/XX/XXXX I received my income tax and paid my mortgage through XX/XX/XXXX. When I went to my account I saw they had withdrew 6 payments and leaving my account in the negative as well as paying mortgage through XX/XX/XXXX I called ( 10+ ) and went to the branches 4 times to have the 2 extra payment refunded to my account as well as get the the account to reflect correctly. Instead they refunded all the payments accept for a payment in the amount of XXXX in which they still have. And then sent me a letter of intent to foreclose on the XX/XX/XXXX. The payments due are XXXX for the XX/XX/XXXX payment to make it a full XXXX. ( XXXX plus XXXX ) and then the payment went down XX/XX/XXXX and XX/XX/XXXX to XXXX. I have tried 4 times since all this has happened to pay the XX/XX/XXXX and they returned the {$27.00}. They are not accepting transfers and I can not pay in the branch. I have sent them a certified check on Thursday. And I have to wait to see what happens.
XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX, FL XXXXXXXXEquifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX, FL XXXX
I applied on XXXX XXXX, XXXX to switch my repayment plan from XXXX to the new XXXX student loan repayment program. It is now XXXX XXXX, XXXX and they still have not completed the processing of my application. They have told me that so many people have applied to this program all at the same time, that it is causing them difficulty in processing applications in a timely manner. Apparently they are unable to service student loans in a fair and equitable manner. This delay resulting from their inability to accommodate the new laws creating a new repayment program is creating a hardship on me, as it is lengthening the amount of time I remain in debt and delays my final repayment date back as many months as they are unable to get me into the new repayment plan. I am also enrolled in the XXXX XXXX XXXX XXXX Program, so the " clock '' on my maximum 10-year repayment time span has essentially stopped, and now my final payment will be delayed by however many months that MY FED LOAN has been unable to completely process my application. In other words, my final payment ( # XXXX on time payment ) date will be delayed at least 5 months, and that is IF they can get me on the new repayment plan in XXXX XXXX, which seems doubtful given their track record of being unable to handle servicing student loans properly. If My Fed Loan is so ambitious to " service '' student loans, then they should be prepared to handle the influx when new laws create new repayment programs/plans. XXXX or 6 months delay may not seem like a lot of time given the 120 month repayment program of the XXXX XXXX XXXX XXXX, but I have been in the XXXX for 18 years ( repaying my student loans ) and I ca n't believe that the XXXX is not retroactive. Thank you for your time.
Discover has Called me XX/XX/2018 - 5 times : XX/XX/2018 - 4 times : XX/XX/2018 - 4 times : XX/XX/2018 - 4 times ( this is Saturday ) XX/XX/2018 - 5 times : XX/XX/2018 - 6 times 1 : XX/XX/2018 - 7 times .... All and more are on my phone record through XXXX XXXX XXXX - I Missed payment this month on the XXXX and can not pay until I was paid on XX/XX/2018. Called this morning XX/XX/2018 to submit payment but asked why the are calling me so much due to a missed {$50.00} payment. Asked if the call was recorded for my sake. The employee hung up on me.
1. XXXX XXXX XXXX Inquiry : XX/XX/XXXX and XX/XX/XXXX - XXXX XXXX XXXX/XXXX  ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX  ( XXXX ) XXXX 2. XXXX Inquiry :XX/XX/XXXX - XXXX ( XXXX   ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX 3. XXXX XXXX XXXX Inquiry : XX/XX/XXXX - XXXX ( XXXX  ) XXXX See an error?

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
complaint against BBVA compass for not honoring information provided in writing - refusing to cancel auto pay even with 3 days notice- constant mis information provided by the phone agents - excessive hold times and not providing reasonable and realistic to industry standards for payment options
I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

Equifax mishandled my information, which puts me and millions of other people at risk. They did not notify me quickly enough for such a potentially harmful issue. 

I have put a freeze on my credit report but they sat on the information for so long I have no way of knowing if I was impacted yet or not.
My co-signer passed away and I was informed my debt was now collectible. However not having the money I could not pay and instead of going after my co-signers estate the whole burden fell on me immediately.
On XXXX XXXX 2016 I had a check declined at our local XXXX XXXX store. I was given a ticket with a phone number to TeleCheck to find out the reason my check was not accepted. After several attempts I was able to speak with a representative with TRS Recovery Services. They informed me a check of mine written on XXXX XXXX, 2016 at XXXX XXXX did not clear and they would wave their fee of {$50.00} if I wished to give them my credit card number and pay over the phone. I told them I had no record of buying anything on this date and would not give them my credit card number not knowing if this was a scam. I asked why I had not received anything by mail informing me of this situation, but was not given an answer. I was instructed to go to their website and file a dispute claim if I felt this was an error. I have looked at their website and their claim form and it is requesting all my personal information such as social security number, drivers license number, bank account and routing numbers. I do not feel comfortable providing a company I have never heard of this information. While investigating this company on line I have seen several sites with comments of this being a scam and or a poorly run company that makes many errors in collecting for inproper payments.
I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at Equifax XXXX and XXXX and all other national credit reporting agency.
Somehow this collection agency calling itself IC Systems got information about a medical bill that I am waiting to hear about financial assistance from the hospital about. I sent them a letter saying the debt was not valid. They did not send anything else to me. I just found out they put something on my credit report.
I am in the process of purchasing a home, and during the loan approval process have reached out to my prior mortgage company, Seterus Inc., to gather necessary documentation. Specifically I need a payment history for the past 12 months, along with a coy of modification paperwork for the modification done XX/XX/2015. I have spoken with them on 3 separate occasions, and have yet to receive the requested information. My earnest money of {$1000.00} is now at risk and I am also at risk of losing the homebuying opportunity. They refuse to let me speak with a manager after multiple requests s well. Also, every time I call they give various reasons as to why the former request was not processed, stating the prior rep did not process correctly. I now have only 10 days left and am seeking escalated assistance in getting this resolved so that I do n't lose my home buying opportunity and all of the funds invested to date. I am requesting your kind assistance. Thank you!
I paid in full my loan they even sent me a letter in the mail saying congrats you paid your student loan in full.This was in XX/XX/XXXX with the Department of Education /XXXX then all of the sudden I get changed to Navient an account that does not make sense because I had applied for forbearnace and they gave me until XX/XX/XXXX to pay .I did not have a good job back then so I had to ask for something like that.Once I found the job in XX/XX/XXXX I paid it everymonth and I paid it all in full in XX/XX/XXXX they sent me a letter telling me that since I was in good standing that I could use them again.I havent but all of the sudden the last payment that I made XXXX dollars keeps showing up in my credit report I provided each information to each credit agencies but the one that keeps hitting me with the account is XXXX this has made my like impossible and I am in good standing I paid up I even serviced my country through XXXX they gave me a XXXX with a little more than XXXX and I paid with that the amount remaining.I sent that to XXXX because it appears XXXX times stating there was late payments in XXXX different account closed and those are XXXX , XXXX department of education , Navient Department of education.They are the same account only that in XXXX its there in different accounts as closed in XXXX and Navient is not it states that I still owe the XXXX dollars in XX/XX/XXXX note I paid it in full in XX/XX/XXXX.I have all this information I want to file a law suit this has me to not get good jobs having to find work in areas that I should not be because I have an education.I am sick of this ruiing my job opportunities and purchasing a home or buying a car that I so desperately need for my XXXX son.I cant even get a cell phone.This not fair I paid up and I do want to sue this company as I am noticing its just not me not so many people be saying the same lie. By the way the college I went to XXXX XXXX XXXX closed down for fraudulent paractices as well.I sometimes wonder if there is any justice or wether or not their is an honest company left in this world.My husband died he was a veteran and they never gave me that loan as an option for me either started wrong with wrong school ended wrong with wrong Education Loan repayment company that want to stiff people off their hard earned money.I owe nothing stop charging me and get that off my credit please Navient.
Portfolio Recovery Associates is co ntacting me to collect a debt I have disputed with   XXXX     XXXX   XXXX  . I asked for a Verification of  Debt Letter, wh ich I never received. They claim to have sent  one  already telling me I need to send a written request in order to obtain another.
I experienced a financial hardship several years ago. My home loan was originally with XXXX XXXX XXXX ( XXXX ). XXXX transferred my first and second mortgage loans to XXXX. XXXX and I agreed to a settlement for my second home loan. I had to pay {$14000.00} within 12 months and they would write the rest of the loan off and send me a letter for the credit bureaus to fix my credit. XXXX kept their word. However, Experian and XXXX refuse to adhere to the letter. I have been mailing the same document to them for a year and they still refuse to remove the negativity from my credit report. How should I proceed?
Navient, used to be Sallie Mae, misallocated my payments. I sent them many future payments and they held them. Not applying them to principal. They took advance payments from me and told me it would lower my principal. But instead the only thing it did was extend my payments and the future interest I would potentially pay them.
My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Find attached my daughters amortization schedule to date on her Navient student loans. XXXX XXXX consolidated two of my daughters loans on XX/XX/XXXX for a total of $ XXXX. Other than when we were on IBR ( XX/XX/XXXX to XX/XX/XXXX ) we have paid monthly. During the IBR we paid approximately {$3800.00} to try and keep up with the interest due. After the IBR, they almost doubled the payment, which we could not afford, so they reissued the loan at a similar rate as before. The attached Navient amortization schedule is very unusual as compared to a normal loan amortization schedule ( see attached XXXX loan statement along with a Direct loan sample sheet ). In almost 12 years we have made no headway on principal and the loan wo n't be paid off till XX/XX/XXXX. I believe this represents misapplied payments, which is the heart of the CFPB lawsuit against Navient. Please advise if I need to do anything else. I will attach documents sent to XXXX XXXX in a request for help along with the response from the Department of Education
I am a XXXX veteran who depends on his XXXX payments to live. In XX/XX/XXXX, I took a part time XXXX position with XXXX XXXX, XXXX PA. to make extra money as I was falling behind in some of my bills. My instructions from the company were specific, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to me being a XXXX XXXX XXXX veteran, this was a job I could handle. I started processing these money orders on XXXX XXXX and on XX/XX/XXXX was appraised by PNC Bank, XXXX PA. that the {$9900.00} in money orders that I had processed were fraudulent, according to the Postal Inspectors office. I was then told that I was being held responsible for the banks loss. I asked how I could be responsible when their trained tellers processed the money orders and said they were good. I was told the bank has to recoup its loss somehow. I immediately filed a police report with DE. State Police ( XXXX XXXX ) where I was identified as the victim. Repeated complaints to PNC at all echelons have led to no results. Their final decision made on XX/XX/XXXX was the same as I had received earlier, the bank has to recoup its funds somehow. On XX/XX/XXXX I contacted the FDIC at XXXX, talked with a representative who said that for cases like mine involving fraud/money laundering, that is why each bank account is insured for {$100000.00}. I ask you give this complaint your upmost attention, PNC Bank confiscated my VA XXXX Check on XX/XX/XXXX for {$3000.00} and my XXXX check on XX/XX/XXXX. I have no money to buy food, gas, and my telephone has been cut off. I can not go to bi-weekly treatments for part of my condition and my food supply is bad shape. Due to these events my health is dwindling and there are many factors that make this situation critical.