WillisBack/dataset-financial-user-claim huggingface dataset:
I have been working at a not-for-profit mental health agency since I got a XXXX XXXX in Counseling in XXXX. The XXXX XXXX XXXX XXXX XXXX was created in XXXX. Through the years since the PSLF program 's inception, various employees of my loan servicer, MOHELA, told me that I was on track to receive the XXXX XXXX XXXX because I was on an income-based repayment plan. My 10 years of XXXX XXXX for the student loan forgiveness should be up next month XXXX XXXX, XXXX ). However, earlier this year ( or the end of last year ), a MOHELA employee told me that none of those 10 years will count because I have XXXX loans and not Direct loans. Furthermore, I was told that I was XXXX and have been ) ineligible to transfer my loans into Direct Loans because I had consolidated my loans in XXXX or XXXX ( to lock in a lower interest rate ) and that only XXXX consolidation is allowed during the lifetime of the loan. They also let me know that the years before XXXX that I was on Hardship Deferment or forebearance would not count toward the 25 Year XXXX, either. No one had ever told me that. I was very, very angry about all of this- to say the least. 

Then, a few weeks ago, as I was doing my annual income-based renewal via phone with MOHELA, the MOHELA representative told me that I AM ( AND HAVE BEEN ) ELIGIBLE TO CONSOLIDATE MY LOANS INTO A DIRECT LOAN FOR THE PUBLIC SERVICE LOAN FORGIVENESS PROGRAM- EVEN THOUGH I CONSOLIDATED BEFORE. 

So now, even though I did my 10 years in XXXX XXXX for the forgiveness, I am now starting again from scratch. I am in the process of consolidating my student loan into a XXXX XXXX. My {$56000.00} student loan will now accrue interest for another 10 years that I will be responsible for if the program is n't in existence in 10 years or because the information I am given by my loan provider 's employees over the next 10 years is inaccurate again and I am not really eligible for the program. 

Also, I have been informed by MOHELA that, as a result of consolidating into the Direct Loan Program, my years of qualifying payments toward the 25 Year Forgiveness will be erased and reset to XXXX. This means that if I do n't do another 10 years in XXXX XXXX, I will have to do many more additional years of payments to qualify for the 25 Year Forgiveness. My monthly student loan payment will also be higher than it was the past 10 years due to my XXXX dependents becoming adults and leaving the household.
There has been continous fraudulent activity to the point that Bank of AmericaXXXX has attempted and fraudulent and illegal sale of property that does not belong to them. The bank has no lawful or legal consideration. I have requested repeatedly for Bank of America to provide proof of claim and they have yet to provide but utilized XXXX XXXX to allegedly sell property at an XXXX XXXX. Receive letters stating the secured /trusted property was sold ( illegally ) and ( Fraudulently ) to another company however, just received something in mail stating that property was allegedly sold to someone by the name of XXXX XXXX . 

I'm requesting all documentation pertaining to illegal sell of property to include all previously requested information pursuant to RESPA Request etc.
XXXX   XXXX  - Rescinding Offer/cancelling refi loan due to negligence of the Lender. Multiple laws broken/mortgage fraud/lender overriding successor/spouse of community property for spouse, falsifying documents, pushing closing/notarizing through despite requests for cancellation of loan multiple times by both borrower and spouse/No attempt to verify and confirm documentation, contact, basic knowledge, loan details, or aggreeance of spouse and successor of interest of community property/ Multiple incorrect and false documents. Homestead declaration documented incorrectly as waived when it should, would, and will be declared homestead if lenders legally abided by CA state laws,  XXXX  guidelines and orders, the laws and rules of the FDIC, let alone the ones that are on the documents that you push and fast track borrowers to sign illegally. Also very important is how the EPA you came to is completely incorrect, false, and not agreed upon with Lender ( that was informed twice by m e ) and spouse/successor.   XXXX   XXXX  which I contacted twice on  XX/XX/17   . Spoke with her and told her briefly of our legal situation and that I just found the documents to the loan on my home because my lender nor husband informed me of the loan details ; on my and our childs own home due to the borrower on title and lender coinciding. She stated, " I understand and did n't know, we will cancel and void the loan. '' As well as making contact with another employee of Mortgage Freedom just to be safe and she said she will red flag and cancel the loan, and stated, " I do n't know how it got this far! It just needs to be notorized ''. Despite me just finding an electronic copy of the finalized version of the revised loan offer on  X/XX/17    because the lender or spouse never notified or sent documents for me to review, no access to your secured document site to view what was going on with my property, knowing my spouse was planning on getting it notorized behind my back, and speaking to two different representatives..
While checking my credit report, I saw a debt from Ad Astra Recovery Services collection agency. I then submitted the documents showing identity theft and the company took one of the debts off but left the other debt. I have called numerous times and has been told that the debt was removed, but when I check my credit report for XXXX and XXXX the debt is still there. I would like to have the information removed because it is not my debt.
My issue is with the " XXXX '' web site, which is broken. After submitting all my sensitive information ( i.e., every field is populated ), plus the correct " captcha '' box entry, the form just moves to the top, with no fields highlighted that any information is missing. ( i.e., the " Submit '' button is not working. ) Going to the " Contact Us '' page on this site yields only a snail-mail address at one of the credit bureaus. No phone number to reach a real person ; no email address ; no chat.

This is yet another case of the credit bureaus making it as difficult as possible for consumers to exercise their rights under the various laws and regulations supposedly governing this industry.
THE FCRA, Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This account states on my credit report that it meets FCRA requirements when it does not. The collection agency have been requested in writing to validate this account in which they have not.
MB Financial is not forwarding my payment data to the XXXX credit agencies - specifically for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has resulted in a significant reduction in my XXXX score. I have spent numerous hours on the phone over the past 6 weeks with MB Financial agents and supervisors without success. Emails go unanswered and there is zero followup. All MB Reps agree that payments are paid in full and on time but never resolve the problem.
disputed to Trans union on XXXX/XXXX/XXXX XXXX account remaining on report as open. Account was paid XXXX/XXXX/XXXX. Trans union replied XXXX/XXXX/XXXX in one section on XXXX dispute page marked closed however were it was prior on credit report after the dispute marked paid XXXX balance now the credit report is marked it open and the balance that was due on XXXX/XXXX/XXXX. I called trans union today they claim no prior dispute. I asked if there is no prior dispute how would I have a File # for a prior dispute. As you can see they are sloppy at best. Now my report is a mess and they seem unable to figure out what they are doing.
Back in XXXX 2014 my friend an I had an apt and we got out 2-3 months prior to the lease ending. We never got evicted or anything like that for missed payments. We were told to go to court were the files and charges were dropped. Therefore the claimed is not licensed to collect debt. Therefore this information is not correct or to my knowledge.
I am attempting to use the card to make an online purchase where the billing address zip code is required. I have attempted to contact American Express to get one, or register the card so that I can use it. All attempts to contact the company by phone or online have failed, there is no option on their contact numbers to speak to an agent, and one number puts you into a survey / sales pitch loop, then hangs up.
I AM FORMALLY DISPUTING AN ERRONEOUS REPORT MADE TO THE CREDIT BUREAUS BY LOANDEPOT ON MORTGAGE ACCT # : XXXX On XX/XX/XXXX I enter a 3 month forbearance program offered by LoanDepot to the Florida residents affected by hurricane Irma. As such, I did not have to make payment for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I contacted LoanDepot to make payment arrangements to bring my account up to date. Along with the assurance of not reporting any negative information to the credit bureaus a loan modification was tentatively offered to me after a 3 month trial period in which I would have to pay the amount of {$1600.00} every month from XX/XX/XXXX to XX/XX/XXXX. 
After making all 3 payment ( XX/XX/XXXX XX/XX/XXXX ), I contacted Loandepot on XX/XX/XXXX to ask why my account was reported 90 days delinquent to the credit bureaus. LoanDepot representative told me that it had been a mistake on their part and that the account shouldnt have been reported late or delinquent. LoanDepot also stated they were going to report back to the credit bureaus to correct the erroneous report. On the same call a payment for the amount of {$4700.00} was made to bring the account to current ; therefore, the previously offered loan modification was not utilize. 
To this day two credit bureaus ( XXXX and XXXX ) are showing my LoanDepot account as 90 days delinquent ; consequently, significantly dropping my credit scores ( in the case of XXXX almost 200 points ) which in turn affects my ability to make significant purchases and investments previously planned. More importantly affecting my XXXX XXXX status. I am a XXXX XXXX and XXXX XXXX XXXX subject to periodic background investigations in which credit history is given serious consideration and attention when determining the ability to maintain a trusted position such as mine.
I have 2 safety deposit boxes with Wells Fargo Box A ( 5 x 4.5 ) since XXXX and Box B ( 3 x 4.5 ) since XXXX. Neither of these have every had a delinquent balance and are up to date in payment thru XX/XX/XXXX respectively. I visited my Wells Fargo Branch XX/XX/XXXX to access both boxes since I had not opened either box since XXXX to inspect contents and determine if both boxes were needed. Upon entering the safe, it was determined that there were three ( 3 ) " B '' boxes, Two of the " B '' boxes would not open with my key and the 3rd " B '' had been drilled. After three days of research on Wells Fargo 's behalf, it was determined that my box " B '' was the one that was drilled open on XX/XX/XXXX. I  have never been contacted about my box potentially subject to drilling. This error was uncovered by my visit to access MY Box " A & B ''. ( Ironically, they were not able to get my key to open Box " A '' either ). The only information they were able to share with me were the names of the two Wells Fargo employees that were present at drilling the box. I was not allowed a copy of that form from Wells Fargo. Why do they have three safety deposit boxes with the same identification number and the same size in the same safe at my branch location. How secure it the identifying process when accessing and/or drilling. Why was I not notified of this error???? I believe Wells Fargo to be culpable for the fact that my box was drilled over 3 years ago and expect me to automatically believe that the box was found empty. I am not satisfied with offering to re-key and provide this box at no expense to me. This box ( " B '' ) was grandfathered from XXXX XXXX XXXX and has be {$0.00} annually since XX/XX/XXXX. How am I supposed to believe that this would not happen again with either of my boxes?? I met with the Branch Manager on XX/XX/XXXX and did not agree with his offer to re-key or give me another safety deposit box. I left the meeting stating that I would need to determine how I wanted to proceed. After talking with other professionals in the business, I determined that I should start with this agency, CFPB. As of today, I have not been contacted by Wells Fargo as a follow-up. My confidence and trust in my financial institution has been diminished greatly. I would have thought as a valued customer for this many years, I would have been a priority to resolve this to my satisfaction and instill a renewed faith in my financial institution, Wells Fargo.
Back in XXXX years, I was under a reduce payment plan due to unemployment with Wells Fargo my mortgage holder. During that time I made monthly payments and as described in the plan Wells fargo was to modify my loan. This never happened.
I discovered fraudulent activity on AMEX this account in the amount of {$970.00} in XX/XX/18. I contacted the company with no resolve.
I am disputing a recurring charge from XXXX ( Experian ). I only signed up for a trial. It was not made clear that this would be a recurring charge. I have requested a review of the account. It is clear I have not logged on or used the service since the initial trial period. Experian is taking advantage of fine print and taking advantage of consumers. Please help stop this predatory practice.
A settlement was made with this collection agency and a payment plan was agreed upon, payments were made according to schedule based on letters and phone calls made by the agency. Letters and calls stop arriving and the agency takes out a legal order to collect on an inflated balance. When contacting the bank, the bank states that the deal must be worked out with XXXX XXXX XXXX, who then bully and lie stating they made calls and sent letters, none of which were registered mail.
I neither affirm, nor deny this purported debt. You claim I owe XXXX XXXX XXXX the amount of {$100.00}. 

This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2018. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.
Irrational charges on my account at Fifth Third Bank amount being over {$1000.00} over a three months. Plus overdraft fees
I applied for a quick trip card with XXXX XXXX XXXX XXXX for XXXX XXXX. There was a XXXX charge. I moved and told the agent to put the account on auto pay. It was not setup and the XXXX charge turned into a 30 day late payment on my credit report. I have all my accounts on autopay for this problem. It is crazy they are reporting a XXXX   payment 30 days late. I have paid the account off. they reversed the late fee. but they are taking their time reversing the late payment. I am now having a hard time getting a house loan for a XXXX fee that was on my card.
I called them and they agreed to remove from my account in stead the are reporting the following which is wrong Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Student Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 180 Months Monthly Payment {$18000.00} Responsibility Co-maker/Signer Balance {$18000.00} Highest Balance {$15000.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due {$18000.00} Times 30/60/90 Days Late XXXX Remarks Charged off as bad debt Profit and loss write-off
I have credit inquiries on my Equifax report that were previously removed from my XXXX report and now have appeared on my Equifax again that I did not authorize. I would like them to be removed permanently as soon as possible to reflect the same.
I purchased my Toyota Prius XX/XX/XXXX at the dealership called XXXX XXXX. 
The dealer told me that I will be the 2nd owner of the vehicle and showed me its title search results as well. He said they partnered with Wells Fargo Bank and they provide the car loan through them. They told me that Wells Fargo owns XXXX XXXX XXXX company and sold me a {$3000.00} " BATTERY INSURANCE. '' ( I did not know that the car originally came with that coverage warranted by XXXX. ) XX/XX/XXXX I had the " Check Hybrid Battery '' error popped up on my dashboard. I went to XXXX XXXX where I was told that the battery needs replacement for {$4000.00}. I called my regular XXXX service in XXXX, where I was told that the car should be covered by warranty. I went back to XXXX, they said they will do the repair. The next day they called me to tell me that the warranty does not apply due to the fact that the vehicle was originally sold in Texas. I immediately called the dealership who sold me the vehicle but shockingly they OUT OF BUSINESS. I called Wells Fargo Dealer Services and ask them about what happened to this dealer ( Wells ' Partner ) who clearly sold me a car based on fraudulent documentation. Like I mentioned earlier, it 's been going on since XX/XX/XXXX, but Wells Fargo did n't responded ANY of my attempts whether it was via e-mail or phone. 
Each time I called I was unable to get any employee 's name due to Wells Fargo " in house '' policy. 
The non responsiveness is an ongoing issue with this bank. Earlier this year they tagged my auto loan with an extra {$2000.00} additional car insurance even though we fax the policy to them numerous times. They declined to respond until I reached out to CFPB. That issue was resolved and I thank you for that. 
Hopefully we can figure out why Wells Fargo promoting fraudulent used car dealers and why they did not respond any of my attempts since XX/XX/XXXX to resolve this matter. 

Thank you. 

Regards, XXXX XXXX XXXX
Received a phone call with a recording that there was a legal case against me, which is completely false to begin with. The usual stuff stating they needed to get my signature on legal documents at work or home, etc. Pressed 1 and was connected XXXX XXXX ( I believe that was his name ) from Cordoza and Wexler Recovery Systems. This debt was discharged in a XXXX XXXX Bankruptcy XXXX. I must have received 20 calls on this, which I have mostly ignored except to tell them it was in Bankruptcy, they are trying to collect for XXXX  XXXX XXXX. Even tried telling me that because it was through a tribe it wasn't dischargeable even though tribes only have the same rights as a state generally. Seems to be a pattern with Payday Lenders making these false claims and not once have I ever actually been served legal documents from these folks like they keep threatening. By the way a simple internet search on the company will yield several complaints, probably enough to to start an investigation. I'm surprised I actually got a name this time. The phone Number I was actually called from is ( 540 ) 385-0601 ( most likely spoofed ). From the XXXX their contact information is below : Cordoxa and Wexler Recovery SystemXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX http : //www.cordozawexlerrecoveryservices.com/ ( XXXX ) XXXX Thank you,
I opened an individual Account with discover Card in XXXX. In XXXX  when i married, I went online to Discovers website and requested that they add my wife as an authorized user. My wife did not submit the request ( as it was done online through my account ) and she signed no paperwork authorizing Discover to make her a Joint account holder. With a divorce impending, we are removing each others names from any accounts. I deactivated her card at her request, and thought that it was completed. When i received my statement yesterday, i noticed her name was on the bill. I contacted Discover and their reply is that her name can not come off the account because it is a joint account. Discover has made my wife financially responsible for an account that she never agreed to be responsible for. All I 'm asking Discover to do his remove her from an account that she never agreed to be on. They should not have been able to add her to the account withour her permission.
I had a XXXX on XX/XX/17. Since then I have asked for XXXX accommodation and for last five months Wells Fargo bank branch in XXXX XXXX zip XXXX has denied that. 
After at least three complaints to their customer service department I received a letter stating they are going to close my accounts in next three weeks.
Hello I am writing about an issue that I had with my college school loan. I got this loan in XXXX and than I quit taking classes, so the loan was is still in my name. In XXXX I had attempted to get the loan payment deferred online at the us department of education website and while speaking with the guy on the phone. He walked me through the process and he told me my loan would be deferred for a year cause I was approved for deferment. He said he would send it to me in the mail and I need to sign a form electronically and scan to proofs of identification. He also told me that I would not get my wages garnished if I make less than XXXX. So I never received the form in the mail and by the time I had remembered what had he said about signing electronically. They had already turned the loan over to a default status. They than sent my loan over to us department collection agency and began to garnished my wages from my income tax. I just want to get this taken care of and get the default status removed and finish paying off what I owe. They have tried to reach me to collect the debt through mail it was with the National Payment Center US Dept. of Education. But there is no way to reach these people online and they wanted me to send them a payment back in mail. I would rather not go this route since the mistake was an accident and was hoping you 'll could help me get this resolved. Thanks
I do not know if this is a legit debtor, I received an aggressive call asking me to pay. It appeared legit and thus I paid the attached charges in full
I sent Midland Credit Mgmt a CMRRR letter asking for and I quote Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by the Original creditor ( creditor as defined by the FDCPA ) or A copy of the contract XXXX purchased the alleged debt. 
If the alleged debt was purchased, provide a copy of an agreement between XXXX and myself, signed by me, stating that I have a contractual responsibility to XXXX for the alleged debt Provide proof that XXXX is bonded/Licensed for debt collecting in the State of Your StateI received a statement back not proving anything and they DENY my dispute. Under the FCRA Section 623 I have a right to verify this information for myself, if it can not be validated then the tradeline must be deleted