WillisBack/dataset-financial-user-claim huggingface dataset:
While attending XXXX I took out several loans in XX/XX/XXXX with the understanding that if I worked as a Special Education teacher, I would qualify for Loan Forgiveness. I received notification from Sallie Mae ( Loan Servicer ) in XX/XX/XXXX that in order to have a fixed interest rate I needed to Consolidate my loans. I was NOT informed that ( 1 ) this consolidation would make me ineligible to receive Teacher Loan Forgiveness ( 2 ) I  was not informed that I had a choice of consolidation options. In XX/XX/XXXX when I had worked as a XXXX XXXX teacher with the XXXX XXXX population for over 5 years I applied for Teacher Loan Forgiveness and was told by XXXX XXXX Acct # XXXX that, " the Chief Administrative Office certification indicated that you have not completed XXXX full consecutive academic years of teaching service ''. NO mention of the fact that they had placed me in loans that were ineligible. No mention that I could Re-Consolidate back into loans that would qualify. This denial alone shows practices aimed to entrap people. This denial alone demonstrated misleading and predatory practices. I can and did prove unequivocally that I had worked for XXXX consecutive years. The second application was made in XXXX and again denied - I was not working at a XXXX XXXX school. To add injury to insult in XX/XX/XXXX I contacted the Office of the U.S. Department of Education Federal Student Aid case number XXXX Office of the Ombudsman outlining my grievances. They contacted the Navient advocate - the company I was filing a complaint against. Needless to say Navient stands behind their practices of deceit and so you are my last defense other than California 's Attorney General XXXX XXXX who is suing Navient.
MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT.UPON REALIZING OUR IDENTITY WAS STOLEN AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES, WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE THEFTS, NOTIFIED ALL THE APPROPRIATE CREDITORS, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE BIRTH OF OUR CHILD AS WELL. I HAVE NOTIFIED CREDIT REPORTING AGENCY EQUIFAX AND XXXX NUMEROUS TIMES VIA FAX AND CERTIFIED MAIL WITH RETURN RECEIPT. EQUIFAX AND XXXX  HAS REFUSED TO HONOR ALL OF MY EVIDENCE, OFFICIAL IDENTITY THEFT POLICE REPORTS, FTC IDENTITY THEFT REPORT, NOTARIZED OFFICIAL AFFIDAVITS AND OTHER SIGNIFICANT PROOF OF THIS CRIME. I HAVE EXHAUSTED ALL MY EFORTS IN RESOLVING THIS PROBLEM. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS ALL THESE FRAUDULENT ACCOUNTS BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED.
I have received a bill from Michael Harrison whom is attempting to collect a debt that was paid by my insurance company. The amount is XXXX $ and the insurance provider that I had at the time was XXXX under the XXXX XXXX # XXXX. The bill for the procedure was in XXXX of 2015 and I did have coverage at that time. XXXX phone # is XXXX. I am currently in collections with Michael Harrison and I would like this removed from my credit because this bill is paid. The original creditor is XXXX XXXX and account # XXXX and their phone number is XXXX.
I 've asked before this is my XXXX dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from XXXX and Experian and XXXX XXXX reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my XXXX dispute on this issue ... .since the XXXX XXXX breach my information has been exposed I have asked that XXXX XXXX XXXX and Experian remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX the following inquiries ... .see below XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX ( on there twice ) remove XXXX at least
on XX/XX/18 i sent a dispute to equifax in regards to a incorrect reporting on my credit report. this debit is not mine. so how can they have validated this debit. i still have not received a response from the creditor or any supporting documents from equifax in regards to this debit beside a credit report updated that list the debit as accurate. its is a false reporting and equifax has not fixed it. i was giving no knowledge of this debit before it was placed on my credit report.
AR Resources has called my business cell phone several times asking for XXXX XXXX. I have told them on a couple of different occassions that this is no longer his phone and continue to receive calls. I know this is a debt collection violation and would like file a claim on this company.
A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
My wife and are currently in the middle of a loan modification work out with Select Portfolio Servicing. We have been resubmitting all of the same paperwork for the last two and a half years and we still ca n't get a closure from this lender. 
Now our loan is being transferred to a new servicer on XX/XX/2016 and SPS our current servicer put a foreclosure sale date on our property of XX/XX/2016. 
Hears the unethical business act that SPS is doing to us, we are currently in the loan modification workout dept. 
We really need help stopping our Foreclosure Sale Date on XX/XX/2016. We have followed every request and guideline from SPS and now we are going to lose our home because of the lack of knowledge and again the unethical business practice that SPS feels they can get away with and nobody will file a complaint.
I received XXXX services about 5 years ago. It did not work properly with the dvr and other functions so I called them to fix the problem. They sent a couple tech reps out to fix the problem with out resolution. I called them numerous times top fix the problem but no one showed up. I called to cancel the service. They wanted to fix the service and said they would charge me an early termination fee if I canceled. A XXXX representative showed up and could not fix the problem. I canceled the service after numerous attempts to fix it and months without the correct service I was paying for. I was patient and feel I was robbed. They quoted me a price the XXXX month and it almost doubled by the XXXX month and was still getting no service. They have turned me into the credit bureau and I am disgusted and do n't know who to turn to for help. I do n't understand how they can get away with this.
XXXX .   XXXX   AND TRANUNION IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS..
  XXXX   XXXX   NOT SHOWING UP TO DATE STATUS AND BALANCE   XXXX   XXXX   CREDIT CARD. NOT CORRECT BALANCE   XXXX   XXXX    CREDIT CARD. NOT SHOWING CORRECT BALANCE  XXXX  CREDIT CARD,  XXXX ..NOT SHOWING CORRECT BALANCE   XXXX   XXXX   XXXX   XXXX   XXXX   PAIDED IN FULL   XXXX   XXXX   XXXX   ... PAIDED IN FULL   XXXX    CREDIT CARD.. INCORRECT BALANCE  XXXX  CREDIT CARD.. INCORRECT BALANCE..
  XXXX   XXXX   CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL  XXXX  REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION
I just found out about the Consent Order vs. XXXX XXXX XXXX , XXXX. They sued me for a ( should have been ) Time-Barred Debt. 

My problems with XXXX XXXX XXXX. 
mirror nearly everything in the Consent Order that they were guilty of. 

I tried to go it alone at first. During the first day I went to court ( XXXX XXXX, 2013 ), they said I had been mailed a " Request for Admissions '' and I had never responded and no response means I said yes to the questions. I do not recall ever getting this, nor does anyone in my household ( and I stated so in court ). 

I receive other peoples mail in my box at least once a month. I can only assume that some of mine may go elsewhere too. 

I hired a lawyer to fight them in court, but we lost due to the " Request for Admissions ''. 

Many of the violations listed in the Consent Order, match up with my experiences with XXXX XXXX XXXX. 

1. Errors in the " Sale File '' including wrong account totals, page from a different account, no account level info. 

2. They did not investigate when I disputed the validity of the debt ( even in writing ) about having never made a payment. 

3. Called my phone at all hours, many times a day. 

4. Referenced legal action before any had begun. 

5. Only had " Request for Admissions '', could not provide any proof. 

6. Trying to collect on a Time-Barred account. 

I am sure there are more in the XXXX page Consent Order, but I think this shows how I was treated. 


I have not paid or said I would pay anything on the account, so I do not need/qualify for that part of the Redress. 

I did have to miss several days of work, hire a lawyer, do tons of research and backtracking to try and prove the SOL had passed, causing much stress ( I obsess ), worry and marital strife. 

I will attempt to attach a timeline of some events and a copy of my lawyer 's motions What I need to know, is how do I go about getting the Judgment dropped, my Credit record cleaned and my Legal fees recouped?
I tried to contact the companies explaining the situation, I also sent in a copy of my id, so they could see my identity, but they refuse to remove & told me I needed to make a police report for identity theft, but a police officer told me I could n't make a report because it was over XXXX years ago
Because my husband passed away onXX/XX/XXXX and because we had made an over-payment on our Discover account, I spoke with Discover mid-XX/XX/XXXX advising them to cancel account and to send a check for the credit amount of {$430.00}. I have called numerous times and they are in agreement that they owe me the {$430.00} amount, but still as ofXX/XX/XXXX have sent no check. They obviously are holding on to MY MONEY as long as possible.

Since they would have charged me interest, if I had owed them the money. They should rightly pay me 3 months interest on their late payment of my money that they are holding. Every phone call to Discover ends in them telling me that they will send the money, but I have yet to get a check.
i filed Chapter XXXX the trustee was making payments on my behalf. I dismissed the BKXXXX and contacted the lender after the run around going from the BK department to customer service. they finally tell me to go to the branch that made loan. they show on my credit report charged off and full amount due This is not accurate they have tried to damage me more I know they have been paid {$150.00} through the trustee known they want full amount and using the credit bureau to get it from me and have not made any effort to show it is still in installment payments. they need to be informed they are practicing tatics to collect
I submitted an online dispute with Equifax ( confirmation # XXXX ) on XX/XX/2017 regarding an inquiry entitled " XXXX '' that appeared on my Equifax credit report on XX/XX/2017. Today is XX/XX/2017 and I have NOT received a response from Equifax regarding they validated this was a valid inquiry. I sent Equifax a US mail certified letter on XX/XX/2017 demanding they remove this inquiry from my credit report because they have failed to prove it was a valid inquiry within the time allotted by the Fair Credit Reporting Act. Equifax sent me a letter ( see attached ) dated XX/XX/2017 that had NO response to my initial dispute ( confirmation # XXXX ) and no resolution mentioned. The dispute still shows pending on their website when I checked the status on XX/XX/2017. They are now in violation of the provisions listed in the Fair Credit and Reporting Act and I demand they remove ASAP or I will seek legal action for this violation.
I have two Capital one Spark for business credit cards. I pay them in full on the day they are due, without exception. For the past 3 months, the day after my credit card is paid, they send me emails stating that I have to make at least my minimum payment. I call the number on the card and they tell me they did receive my payment in full. They can't figure out how to resolve. Meanwhile, every month I pay my account in full, they receive it on time and the next day I receive an email telling me I did not pay and I must make the minimum payment. 

I have talked several times to a lady at Capital one who claims to be with the executive branch of Capital one but she has not been helpful. She told me this was resolved, but it is not resolved. I don't know how anybody can trust this bank since they can't even keep track of receiving my payment in full. 
I just made a complaint with the Federal Reserve in XXXX. These people should not be allowed to be in the banking business.
I took a loan through XXXX XXXX and it was settled less than full balance. I paid this loan off in XXXX of 2018. In XXXX they reported that a payment was made after 30 days when in fact this account was already paid in full the month before. This has lowered my credit score and no one in this company seems to understand this.
I have disputed three times with XXXX and equifax that XXXX has a secondary account reporting to my equifax credit report. I also recently sent out a 609 letter via certified mail. I only have one account with XXXX. This account has a high utilization and is bring my credit score down. The amount on the account is {$250.00}. This in incorrect. The incorrect account was last reported on XXXX XXXX, 2017. The account contains 5 missed payments as well. I would like this account removed. My target account that I own has a reporting balance of {$0.00}.
I am overpaying the property taxes on my home. I have contacted, ( called-over 20 times ) and emailed ( 10 times ) the reconsideration received from protesting my local county office regarding property taxes. I was advise to upload the documents on my loan servicing website and each time they said they did not receive it. Spoke to a Manager who told me to email to her directly and still they say they did n't get it. I 've now emailed the manager 5 times. Each time I call to speak to the manager she just left. Manager XXXX XXXX. I 'm paying {$200.00} a month overage.
Did not receive proper notice to dispute debt of {$510.00} total. 1st balance owed is {$260.00} and 2nd balance owed is {$240.00}. Both are with same collection company.
Have been recieving threatening and rude phone calls saying I owe money on a payday loan that I know nothing about. Said they would put criminal and civil charges on me if I did not cooperate and pay. I told the man I would not pay money until I received a notice in the mail in which I then have 30 days to decide what I want to do. He got very upset about me saying that and said he would add a request to get my license suspended on top of the criminal and civil charges. A few hours later I received a call from the number of the county clerks office and it was a man stating they had received paperwork on my case and I had 24 hours to work things out with cooper hoffman and klein or they would be serving me papers to appear in court. I then called the county clerks office and they told me they had not received anything and there are no males working in their office. Obviously it was a fake call. These people are low life scammers trying to take our hard earned money. They need real jobs instead of trying to take the money I worked my XXXX off for. XXXX.
M & t Bank, a non-party to my mortgage loan, is inserting itself and interfering with my Notice of Grievance to the owner and note holder of my mortgage loan. I am concerned that M & T Bank may have used my nonpublic personal information to insert itself into communications between myself ( the borrower ) and the note holder. 

In paragraph 2 of their letter ( see attachment m & t_bank_letter.pdf ), M & T Bank made multiple false, deceptive, or misleading representations. Given the following : 1. There have been no previous requests for documentation. 
2. The original Deed of Trust was recorded on XX/XX/2000.by XXXX XXXX XXXX . 
3. On XX/XX/2000 an unauthorized altered Deed of Trust was recorded by XXXX XXXX XXXX, the same lender.. 
4. The alterations were not made by the County Recorder 's office as a function of the recording process
XXXX XXXX has closed my account and sold it to a collection agency. XXXX XXXX XXXX XXXX  XXXX is owned by Capital One. 

My Case Number for my dispute is : XXXX I have an ongoing dispute with them. On XX/XX/XXXX XXXX XXXX claims they returned clothing valued at {$24000.00} by XXXX XXXX XXXX. I never received the package. They refused to file a claim with XXXX XXXX. I sent them an email on XX/XX/XXXX saying that I was disputing my outstanding balance and would be filing an insurance claim. 

In the meantime they sold my account to a collection agency. They reported to the credit agencies that they were writing off my account. They did not tell either of these parties that there was a dispute. I would like my account returned to XXXX XXXX and the credit agencies informed that there is a dispute. 

I have told XXXX XXXX that my insurance company will either pay them in full or that I will reimburse them in full but that my insurance carrier will subrogate the claim.
I have been disputing my credit for quite some time and this one was never appeared before. Attached is a copy of a Experian page showing a collection agency.
XXXX continues to extort by reselling fraudulent credit information - they refuse to fix under order of us govt- or persons filing against them for doing so. This info was removed from files and blocked from reporting, yet persistently appears on sold info to any creditor requesting copy-which does not disemenate from the bureaus as companies are forced to make claim, even as claimed on documents. The files in fact point to old data XXXX, XXXX XXXX, etc ( all 3rd party subCRAs, illegal ) have collected " from the bureaus '' and some point in the past. these companies have no intention of correcting or purging files. I have been requested to CC XXXX 5+ years of information so they can push buttons on a computer and VERIFY DATA- I have no credit accounts. There is no info to give. all accounts have been disputed in full, removed, closed, or PAID ( XXXX ).
My wife and I recently went through XXXX to get our loan servicer, Loancare llc, to cancel our PMI. 

We submitted a written request for cancellation XX/XX/XXXX via email. An automated email response was sent informing us our request was received and we would be contacted by an representative within 5 business days. We did not hear from anyone until we received a letter in XXXX again acknowledging our cancellation request. The letter explained the requirements to qualify for PMI cancellation, which included a new appraisal at a cost of {$420.00}. We sent a check for {$420.00} shortly after, having still not heard from a representative. 

We finally received a call from loancare rep XXXX XXXX on or about XX/XX/XXXX, nearly 4 months after our request was submitted. XXXX asked for a non detailed list of property improvements and estimate of money spent. The list and estimate was provided XX/XX/XXXX. The rep responded XX/XX/XXXX stating that the quality of improvements was not enough to increase property value and our request was denied. 

Our response was incredulous. We knew this was incorrect based on the letter they sent in XXXX. It stated the requirements for cancellation and the property improvements and value added are to be evaluated by an appraisal. The loan servicer has no say in whether improvements are can raise property value enough to reach LTV threshold. That is the point of the appraisal. 

After we pointed out that her denial was inappropriate and wrong, XXXX went on to completely misrepresented the rules laid out in the XXXX XXXX Servicing Guide and  eventually passed us on to her supervisor, XXXX XXXX. 

We had a principal balance of {$230000.00} and needed a new appraisal value of {$310000.00}. So we needed an increased property value of {$64000.00}. XXXX picked up right where XXXX left off and claimed the entire increase in value must come solely from money spent on improvements and not from market increases. XXXX repeatedly, and incorrectly, referenced Part B-8.1-04 : Termination of Conventional Mortgage Insurance of the XXXX XXXX  Servicing Guide . When we made it clear we knew she was lying and we were not going to be misled she stopped communicating. She did not respond to emails from XX/XX/XXXX to XX/XX/XXXX. We repeated our demand for the appraisal on XX/XX/XXXX. She finally agreed to order our appraisal on XX/XX/XXXX but continued to claim it would be denied. 

Our appraisal was completed and the report came back XX/XX/XXXX. It appraised for {$340000.00} and our PMI was cancelled immediately, thus proving they had been lying the entire time. 

They lied and delayed our appraisal hoping we would give up. They used unethical and fraudulent tactics to delay the process for 10 months when it should have taken one. This  cost us $ XXXX/month in PMI premiums for 10 months. Thats {$3000.00} that we should not have had to pay and we should be reimbursed every dollar.
My XXXX XXXX credit card was paid in full XX/XX/XXXX and account closed XX/XX/XXXX ( see attached ). However Transunion is reporting status the account 30 days past due and showing delinquent on XX/XX/XXXX. XXXX and XXXX show account paid and account closed and NOT delinquent ( see attached ). However XXXX is showing reporting on until XX/XX/XXXX when account was closed XX/XX/XXXX.
experian is reporting info of a civil judgement from XXXX filled XXXX 2009 this was resolved in a chapter XXXX bankruptcy.i talked to attorney that represented them he said the issue has been resolved and it should not affect my record but it is.this is the attorneys contact XXXX XXXX he told me as far as this matter it is closed.i want this resolved.
The reason for this complaint is due to an overdraft that Regions bank did to my account. Let me explain : I had a positive balance in my account and they charged me XXXX dollars overdraft fee for XXXX transactions a total of {$180.00} ; I went to the branch and they told me that the " future purchases '' did the overdraft on my account, I 'm attaching a copy of pending transactions for you to review. This is a small business account and they put me under stress, given that I needed that money for some bills I needed to pay. ( electricity, internet etc. ) which are very important for me because I need them to run my business. 
I truly will appreciate if you help me with this situation. 

sincerely, XXXX XXXX.