WillisBack/dataset-financial-user-claim huggingface dataset:
I was told by Navient that my loan was in a long term forbearance since the loss of my children 's father. They said that they would defer my payments until XX/XX/XXXX and that I would have to pay interest when i started repayment in XX/XX/XXXX. Because of financial hardship I was told this was the best option in XX/XX/XXXX. In XX/XX/XXXX I was surprised to find a report on my credit that my loans were delinquent when I had just responded to their email asking if j wanted to continue deferring payments. I was told " not to worry '' since it was on record that I was experiencing hardship and would begin payments in XX/XX/XXXX. Now they have intercepted my tax return and did not forward our previous arrangements to the department of education. I was mid-led & deceived by Navient and in my opinion anyone coming after them to try and clean up their collections is also being mis-led. I have a strong desire to pay my debts and accept full responsibility for them. However this deception has wreaked havoc on my credit and my ability to provide for my family.
XXXX   XXXX  reported an account to the credit bureaus without advising that they planned to do so or providing me an opportunity to dispute the debt. I did not receive notification from  XXXX   XXXX  prior to reporting a charge off to my credit report.  XXXX   XXXX  is not in compliance with the FCRA and other guidelines with reporting information on an individuals credit report.
A company named Enhanced Recovery Corp has file a collection notice on my report. I have attempted to speak to one of their employees but they do not respond. I have not received any notification from these folks. The debt they say I owe is {$84.00}. I do not know what that is about. Enhanced Recovery Corp. XXXX XXXX XXXX XXXX, Florida XXXX
I applied for a credit card that a zero interest balance transfer. I never received the card, or any paperwork stating the card was active or approved. I received a bill in the mail in XX/XX/XXXX, I paid it because I pay every bill I receive. I since had a the account closed because I never received the cards, CITI opened up a new account and sent me a bill. The one they sent me in XX/XX/XXXX was due on a holiday. I sent them the payment electronically before the holiday, but it was processed the day after, hence generating a late fee. They would not waive it because the previous account had a late fee, and that late fee was generated because i never received the bill nor the cards. They said the late fee can not be waived due to a holiday, and I should have paid before the holiday which I did.
Dear sir/madam, First I would like to thank you, my previous issues were resolved because of your advocacy. 
As I am rebuilding my credit, I am watching my credit reports closely now. Please see pages XXXX, XXXX and XXXX. Page XXXX for example : XXXX ; XXXX reported " Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX or XXXX '' -last reported XX/XX/XXXX. EQUIFAX and XXXX also reported " included in BK '' but last report date is XXXX. 
My question is : Are credit bureaus mandated to do additional reporting after the bankruptcy filing date? ( restating the same facts! ). 
Please advise ; I will write a complaint directly to the respective credit bureau if what they are doing does not conform with the law.
On XX/XX/2018 I sent a letter to Transunion disputing several inquiries appearing on my credit report. The letter was received by Transunion on XX/XX/2018. To date, I have not received a response from Transunion regarding the unauthorized inquiries appearing on my report. The have failed to comply with the FCRA and provide me with evidence of permissible purpose. Specifically, written authorization which shows that I applied for credit with the company reporting the inquiries. 

On XX/XX/2018 I sent a follow-up letter to Transunion advising that they failed to respond within the time allowable under the FCRA regarding the investigation of the inquiries appearing on my report and there has been no evidence of written authorization by me which would establish permissible purpose.
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX PUBLIC RECORD XXXX XXXX XXXX XXXX Docket # : XXXX IQUIRE THAT I DID NOT AUTORIZE 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 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 XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING I '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 v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. 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 SOC SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Previous to this incident I have never had a missed payment or any issues so this is my first incident with the company. I am currently undergoing treatment for XXXX XXXX XXXX XXXX XXXX and because of this was given a {$500.00} check from the XXXX XXXX to help towards my mortgage. On XX/XX/XXXX I sent the check for {$500.00} along with the remainder of my mortgage payment by personal check in the amount of {$730.00} to total the payment for my XX/XX/XXXX mortgage. Unbenounced to me, Rushmore sent the {$500.00} check back to XXXX XXXX claiming they were unsure how to apply and held my personal check in a suspense account. Nobody ever called me to tell me about the mistake I only found out the issue because somebody was taking pictutres of my home related to Rushmore and I called them myself to figure out what had happened. I was able to get the XXXX XXXX to cut another check and sent it in again to Rushmore with a detailed description of how the mistake had occurred and how to apply this check to clear up the XX/XX/XXXX payment. This was sent in XX/XX/XXXX. I have no received multiple letters about how they are starting the forclosure process on my home if I do not pay the balance, but they have the money to cover the payment. I have called and gotten no return phone calls and they are unwilling to help. I need them to apply the payment that they have and stop the forclosure process. It is very sad that this all started because a foundation was graciously trying to help me during this very difficult time in my life. Such a travesty and we need help.
I'm making my payments every month but the total loan due keeps going up not down and I am not late in my payments! I even am making more than that minimum payments.
For weeks I have been recieving calls from a phone number which my XXXX identifies as XXXX, but the recording says it it from XXXX ( XXXX, I guess ). It gives me the reference number XXXX. When I first called then back, they told me that they were trying to collect a debit from XXXX XXXX XXXX, at a specific address in XXXX, Fl. I told them that this is not my company and I do not have any connections to the address they gave me. They asked for my phone number to lookup their system. I gave both my home and cell. They couldnt locate it on their system. They told me it was a mistake and they would update their system. That was during the first week of XX/XX/XXXX ( I kept the voice mail recording ). Since them, they have called me at least 10 more times, twice this week alone. For the first few, I ignored. The last two I answered and I got really aggravated as they still can not locate an acount with my phone numbers but somehow keep on calling to bother me with a debit of someone else. What else is left for me but to have an ulcer over this?
I do n't that my loan amount and interest being made to pay is correct, I feel as though I 'm being over charged a substantial amount of money.
Hey this is XXXX from XXXXXXXX XXXX I'm a debt collector. ID number XXXX   and this is an attempt to collect a debt. Any information obtained will be used for that purpose. You can reach me at XXXX or you can chat with me XXXX. I'm in the office Monday through Friday from XXXX XXXX to XXXX XXXX Central Standard Time and Saturday from XXXX to XXXX. Again I am a debt collector with America collect at XXXX. If I have the wrong number. Please feel free to give me a call and let me know. Thanks and have a great day. 

PLEASE NOTE THAT MY CALLER ID INDICATES THAT THE NUMBER IS COMING FROM A XXXX NUMBER AND I HAVE NOT CALLED THEM BACK
Between  XXXX   XXXX  and  XXXX  this collection has been taken off my report and placed back this is not the first time. I was able to screen shot it this time. I have not signed any contract with this company and I feel it should be removed from all my reports as it has and been put back on I feel that this is unfair to remove items and place them back
This is the XXXX time i have used this system to no avail to get help.the same person XXXX XXXX keeps answering i have asked not to she thinks she is a lawyer and has successfully aruged that NO noi was issued prior to filing foreclosure. something i will pursue. i need a phone call PHOTOCOPIES OF PREVIOUS ANSWERS HAVE DONE LESS THAN NOTHING TO ADDRESS COMPLAINTS AND I AM ASKING CFPB TO MAKE SURE THAT THE SAME PHOTOCPYING DOES NOT HAPPEN AGAIN. I NEE SOMEONE OTHER THAN XXXX XXXX TO CALL ME AFTER XXXX EASTERN TO DISCUSS REMAINING ISSUES. WELLS FARGO REFUSED ME A MODIFICATION AND FILED FORECLOSSURE AND SUPPLIED NO NOI. I WANT HELP THE MOST IMPORTANT PART OF THIS NEW COMPLAINT WHERE PREVIOUS HAVE DONE NNOTHING TO RESOLVE ISSUES AS ALL I GET ARE PHOTOPCIES OF PAPER THAT TOO RESOLVED NOTHING. IS THAT I NEED HARDEST HIT PROGRAM IN NJ TO AT XXXX GET A PAY OFF FIGURE FROM OR A WHAT IS OWED FIRGURE FROM THIS BANK BEFORE NJ SAYS I OWE TOO MUCH. TOO LONG A WAIT. DO THAT TODAY NJ XXXX NEEDS A PAY OFF FIGURE. DO THAT TODAY THEY SENT REQUEST XXXX TIRED OF RED TAPE AND I WANT SOMEONE OTHER THAN MULDOON TO CALL ME TO RESOLVE OTHER ISSUES fui NO ONE ANSWERED qwr FILED IN XXXX
I executed a transfer from my Ally Online Savings Account to my Ally Interest Checking account via my logged in online account. Ally Bank duplicated the transaction, such that the amount was transferred a total of 2 times. The second transfer was made in the absence of any instruction from me to do so, and shows as counting against the Regulation D 6 transfers per monthly statement cycle. I immediately notified Ally of their error, and requested that the wrongly duplicated transaction be reversed so as to not count against my 6 allowed transfers for the month. Ally told me this could not be done, and that the duplicated transaction would in fact count as a distinct transaction for Regulation D purposes. Ally offered to execute a third transaction, moving the duplicated amount back into the Savings account, but that does not resolve the issue, as I could potentially need to make use of all 6 of my allowed transfers out of Savings. I was told the same thing by both a chat representative and their supervisor once escalated. I do not believe Ally has resolved this issue. My position is that Ally has taken away the ability to make 1/6 of my allowed monthly transfers, and failed to either rectify the issue or compensate me for lost freedom under Federal law. Furthermore, Ally 's refusal to to reverse their own errors is concerning due to the impact this could have on other customers were they charged overdraft fees due to a duplicated transaction. Luckily, the second transaction Ally made did not overdraft my account and I was not charged a fee, but I believe other customers who experience the same issue could be subject to fees. Given that even determined customer complaint could not resolve the issue, I am concerned other depositors could be harmed by Ally 's negligence in future.
Bills is displaying on credit reports. I was not given opportunity to dispute, no validation of debt, or opportunity to identify debt as mine.
South west credit systems the  company involved calls me before  XXXX   XXXX  and nonstop throughout the day, when I ask them to send me a letter through the mail stating the debt I owe them they get offended and defensive, I ask them to set up a payment plan and they get rude, it 's just nonstop calling all day
It has been once year ( XX/XX/XXXX ) since attempted to fix this issue that was created using my name and SSA #. XXXX used my information on someone else account at a different address than mine. The did their part to " XXXX '' the error from my account and my personal information. They removed the information from one collection agency, but a year later another collection agency has placed this debt that is not mine on my credit report. I have been calling XXXX  and I called the collection company. They each say the other have to remove it. Today XX/XX/XXXX I receive a text from XXXX  saying that they are giving me a credit for this amount. I don't need a credit. I need this taken off of my credit report. I found out who the person was that they were looking for after XXXX texted me the return information for the fraudulent person 's equipment with her address label. The address of the equipment is not mine, nor has it ever been mine. I have gone through XXXX 's theft unit, XXXX unit, and they even unknowingly put another 2 year agreement on my new account without informing me of this. Which would cost me to close my account with them. This is wrong. I need help.
i have account in money network.i used website totalpay to transfer my money with this card on polish account.Ii was XXXX XXXX : XX/XX/2016 XXXX EST.Funds transferred will be available to the recipient by Thursday, XXXX ; funds may be available sooner and i still dont have my money.I called on this number ( XXXX ) 4 day ago and they told me that this issue will be solve in 3 days, but i still dont have a my money.I must come back to my country and first i must take my money with cash machine because in my country i cant make it.please help me
XXXX XXXX XXXX filed suit against me in my county without supplying validation that I requested on numerous occasions. I requested original signed contract, original signed agreement, chain of authority, proof of charged off chain of assignment. So far no evidence of any.
XXXX XXXX, in partnership with XXXX 's XXXX, issued a credit card promising cash back for purchases. Until this year, cash back checks were attached to statements and easily overlooked, particularly by cardholders who pay bills online and do not rely on paper statements. I recently came across such a cash back check while working on taxes, but noted that it was well past the printed expiration date. I contacted the credit card company to request a replacement check and was told this was prohibited by " bank policy. '' This {$180.00} check had been overlooked because of a bank practice of attaching them to statements instead of sending them in separate check envelopes. Now the bank is taking advantage of its own dubious practice by converting my funds to its own use.
I was 1 month behind for several months in a row, I continued to pay my mortgage to try to get caught up, I started to receive notices about being past due right away, which I understand as I was late. Letters got more aggressive in nature so I called them, the agent set me up on a pay arrangement, the arrangement was taking the 1 month past due and spreading it out over the next 4 months. I thought now that I called them that they would stop sending letters and making phone calls, but it did n't stop. I made my agreed upon payments and each month would receive a late fee and several letters weekly advising to call to avoid foreclosure. I answered the phone a couple weeks ago and they advised me that their automatic dialer should not have called me because I was on an arrangement. They sent someone to my house to hang a notice a couple weeks ago because I still had my final {$300.00} due in  XXXX , I called them and they advised me that yes I do have an arrangement but because of the way they do their accounting it looks like I still owe from 2 months ago but not to worry about it. Now today I received a certified mail letter asking me to call to setup a face to face meeting to discuss options to bring my account current, I called and asked if I had an arrangement, they advised me I do but I will still get calls and letters because I am still past due even though my arrangement is n't due for another 10 days. Also when I call or look online in it says my balance due is over {$2000.00} but when I talked to the representative I only owe {$1300.00} because of unapplied funds. Because of this I am not able to make my payments online for free because I can not pay a lower amount than the total they say is due, so I pay over the phone for {$19.00} for each payment, or I can pay by mail but then I would be late because you can not guaranty when the payment would be received. I get 2 statements, several emails, and phone calls monthly, and several letters weekly, not to mention my credit report.
My wife and I were involved in a personal Chapter  XXXX  bankruptcy. The case ran from  XXXX  to  XXXX . On  XXXX   XXXX ,  XXXX , the case was successfully closed.   I sent a copy of the order closing the case from the  US Bankruptcy court to all of the credit bureaus.. XXXX ,  XXXX , Equifax and asked them to show the case as closed / discharged.      I worked with credit repair service and we got many of the individual records corrected.   I have worked diligently to improve my credit and my credit scores from all three bureaus show the improvement.     However they still show me as being involved in an open/active bankryptcy, and this is incorrect ... the was successfully closed, I am no longer in bankruptcy.
I worked for XXXX XXXX XXXX XXXX XXXX as a XXXX. Due bad business management, the XXXX branch practically despaired. 
First, the more experience employees leaved the company and after that, gradually many others toke the same decision, including my self. As a result, the company charged their looses to the personal that no longer continued working for them, and now are affecting our credit, in this case, my credit.
I have been applying payments of {$50.00} per month. My balances all have different account numbers but when I requested to pay off the smaller balance of {$400.00} about 3 months ago they said the account was attached to another account with a larger balance of {$3000.00}. They said when I submit my payment it had to be distributed to both accounts and I can't pay off one before the other.
I had disputed a civil public record showing on my credit report due to wrong reporting and inaccuracies, under the ( FRCA ) reporting agency, Starting onXX/XX/XXXX, the XXXX major credit reporting companies - Equifax,XX/XX/XXXX andXX/XX/XXXX - will change the their rules for the types of public records they collect. In the future, all items on the credit report will be required to contain the subject 's name, address and Social Security number of date of birth. Entries without this information will be deleted. The most obvious effect will come in the removal of tax lien records and civil judgments from many reports. About half of all tax lien records and almost all of civil judgments for inclusion on credit reports and will therefore be removed. Tax liens comes from unpaid state or federal tax bills ; civil judgments come from lawsuits related to old debt, unpaid child support, evictions or other non-criminal debts. Inclusion of either type of records negatively affect someone 's credit score. will be invalid effective XX/XX/XXXX
I have written ALPHERA Financial Services twice regarding information being reported on my credit report by their company. The first letter was hand written. The second was typed to ensure Alphera would take my concerns more seriously. Each of the letters were sent thirty days a part. In Each request I asked that Alphera send me the legally required debt validation. They have REFUSED. When I received a reply back Alphera they told me that they would not be replying to my request and in one letter they even advised me not to reach back out to them. They have violated my rights and a number of laws. They have gone pass the legal required time to respond to my request, TWICE. i am demanding that they remove this unverifiable information from my credit report!! This company had thirty days to provided the requested information and they have failed to do so within sixty days.
I submitted my loan modification paper work by the XXXXdeadline with no response yet. Sale date set for XXXX/XXXX/XXXX. In addition, the amount that is outstanding on the NOD is incorrect with numerous attempts to resolve with no resolution. 

XXXX XXXX has an insurance check for $ XXXX which approx {$460.00} for XXXX cleaning on the house - the balance to be applied to the mortgage but they have not done anything. Except keep asking for documents they received over and over from the XXXX XXXX XXXX ( e.g. Proof of Insurance, XXXX etc ). 

They are not deducting the {$4000.00} from the outstanding balance. 

Not sure their intention.
1.BANK OF AMERICA MASTERCARD XXXX XXXX XXXX XXXX UNLAWFULLY TAKES PAYMENT OF $ {$23.00} BUT REFUSES TO CREDIT PAYMENT WITHOUT CAUSE OR REASON. FINE BOA.
2. BOA DEMANDS AN EMAIL ADDRESS BUT REFUSES TO PERMIT EMAILS TO IT. ANOTHER HYPOCRISY. NO EMAIL ADDRESS FOR BOA. I GOT FOLLOWING MESSAGE There was a problem processing your request.
We are currently unable to deliver your Online Banking Alerts to the primary email address we have on file. To correct this problem, please visit the Profile & Settings page and update your information.
SO LONG AS I CAN NOT EMAIL BOA, BOA WILL NOT GET AN EMAIL ADDRESS FROM ME.
3. BOA REFUSES ME TAPERECORDING THEM BUT THEY TAPERECORD ME ON PHONE CALLS. WHO SAYS BOA CALLS THE SHOTS?
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BOA IS ANTISOCIAL. BOA GIVES THE LEAST REWARDS AND GIFTS AND POINTS BUT SUCKS OUT THE HIGHEST FEES JUST LIKE MBNA.
BOA PARASITIZES. BOA REFUSES TO LEND STUDENT LOANS BUT IS AT THE FOREFRONT OF FORECLOSING. A TRUE PARASITE.
NO OTHER BANK MAKES APPOINTMENTS WITH BANKERS FOR CLIENTS. BANKERS WHO GIVE THE LEAST SERVICE. THERE IS NO NOTARIZATION AVAILABLE AT PARK AVENUE SOUTH BOA.
BOA IS A TRULY PARASITIC ANTISOCIAL INSTITUTION WHICH PREYS ON THE POOR WITHOUT ANY REDEEMING SOCIAL CONTRIBUTIONS. ITS ALL TAKE, NO GIVE.
BOA DOES NOT DEFINE STANDARDS NOR MAKE THE LAW TO SUIT ITS STOCKHOLDERS. IT IS SUBJECT TO SCRUTINY. BRING BACK GLASS STEAGALL.