WillisBack/dataset-financial-user-claim huggingface dataset:
I was in bankruptcy. It was discharged in XX/XX/XXXX. My student loan with Navient was listed under the discharged debts. I knew this was unusual, so when Navient sent me a letter I told them that it had been discharged. I offered to send them the paperwork, but they said they would research and get back to me. I got another letter some months later, called, got same response. This happened again, in XX/XX/XXXX, and the person on the phone said OK, he would note it and that it would be resolved.

I then went earlier this year to get pre-approval for a home loan and found out I was in default and on the XXXX  report, essentially preventing me from qualifying.

I immediately contacted the company, XXXX, and spoke with a person concerning. They asked for the actual court documents, which I sent to them. They had someone research the issue, even spoke to the attorney that handled the bankruptcy, and called me back. They explained my error in reading the discharge. I immediately worked out a repayment plan, but now I can not qualify for an FHA loan.

I feel that if Navient had taken the time to research the dispute, as XXXX  did, this issue could have been resolved in XX/XX/XXXX, and I would not be in the situation I am in now.

I am extremely irritated with Navient for its ' cavalier attitude about this loan issue. I know that I made a mistake in interpreting the discharge, but if Navient had made any effort at all this could have been dealt with in XX/XX/XXXXinstead of XX/XX/XXXX, and I would not be blocked out of the home loan process.
OnXX/XX/2016, Irefinanced my existing mortgage and closed on a new loan with Commonwealth Mortgage , LLC in the amount of {$250000.00}. 
The rates and associated closing costs that Commonwealth initially provided me changed after multiple times after committing to proceed. The Closing Disclosure paperwork at Closing did not match any I had seen to date - nor did it match the final version I had signed off on three days beforehand. 
Both prior and after receiving the final disclosure to review on XX/XX/2016, I was concerned with its accuracy and both called and emailed multiple people at Commonwealth who encouraged me to sign off without clarity implying that a potential discrepancy was likely do the payoff schedule dates. ( See attached correspondence reminding me of potential loss of deposit ( {$500.00} ) if not signed off on. 
Since closing, XXXX DID ADMIT that there was an error in my loan estimate and I 'd be receiving a refined based on their oversight. Commonwealth then informed me that they would be seeing my loan to XXXX XXXX XX/XX/XXXX XXXX. 
The notices I received from both lenders regarding loan transfer on XX/XX/2016 reflect different principal amounts ( Commonwealth shows a principal balance of {$250000.00} and XXXX shows {$240000.00}. 
More importantly - both lenders amortizations schedules differ from one another - and neither adds up to the amounts associated with the total proposed to pay over the life of the loan ( or principle/interest/TIP ) on ANY of the Loan Estimates or Disclosure Estimates provided throughout the process of refinancing - or at closing. 
To-date I have requested, a revised final closing disclosure multiple time that matches an amortization schedule and have not received either. Because my initial payment on the loan is due this month - and it 's more than two months after the date of closing, I 'd like assistance in reviewing all of the documentation I 've compiled to support this timeline in an effort to get clarify, revised paperwork and possibly revised rates to reflect what was initially quoted to me in order to secure the loan. 
I look forward to someone 's reply and hopefully a resolution to the lack of clarity and accurate documentation associated with my new loan. Please advise if there 's someone I can send a more detailed summary with emails/rate estimates/disclosures and closing documentation, which outline ( and prove ) the oversights relating to refinancing with Commonwealth Mortgage. 
In addition to my address, I 've also included my phone and email. Thank you in advance for contacting me at your earliest convenience.
I have XXXX automobiles financed through World Omni Financial XXXX Southeast Toyota Finance - SETF ). XXXX accounts are showing payments made on time as XXXX days late XXXX. I have contacted XXXX on numerous occasions and while they state I am correct that these payments are not late the customer service representative and supervisor state that I must dispute this with the bureaus as they supposedly have no control over how the bureaus report accounts. They have refused to contact the XXXX credit bureaus to have this corrected and reported accurately even though they admit that the payments were made on time. I would like the late payments removed for XXXX and XXXX XXXX corrected immediately as you can easily see on the statements from SETF, these payments were made on time. Afterwards, I would like all of my payments reviewed and corrected on my credit report. With the most recent obvious errors made by them, I now question the accuracy of all reported late payments. I do know there were a few late payments in either XXXX or XXXX, but not as many as they are reporting. With their refusal to correct the issue on my behalf, I would like to know if they are being truthful in their statement that they can not have the errors corrected. XXXX accounts have been paid through XXXX of XXXX. If there is a way to show these on time payments as well, I would like for those to show as well. I am currently paying for credit reporting services to monitor these accounts closely. If it is found that the lender could have easily corrected these inaccuracies, I would also like to be reimbursed for all costs associated with these errors. Thanks in advance for your assistance.
I received a letter from Transworld Systems Inc. dated XXXX/XXXX/16 for the amount of {$110.00}. 

I have no idea what this debt is about since I pay all my road tolls, parking tickets and medical bills. I have never received a bill from a creditor for this amount so this is the first communication I received about owing a debt. 

The letter did not state who the creditor was or what the bill was for. The Transworld website contained no information to check this account for me to look it up. The phone numbers listed on the letter and website are dead numbers so the company can not be contacted. I have read online ( consumer reports ) that other consumers are having their credit reports damaged by this company who ca n't be reached for questions about the debts they 're trying to collect. 

Please help.
I checked my credit report and there was a collection on it. I disputed I, 2 months later I received a letter from XXXX that states it is verified as accurate.. I do not have a Citibank account. I did not open any accounts placed in collections X/XX/2017. No verification was sent to me on how this account is valid. No signatures, no statements. If I did have a Citibank account, I ca n't find record of it on my old credit reports, it was deleted and past 7 year statutes of limitations. I wrote and mailed a letter to the collection agency jh portfolio, stating this information is false, does not belong to me, no written verification was sent to me prior to it being reported on my credit report, and if it was my account it is past the XXXX limit and was already dropped off and to please take it off my credit report. It is still on it and XXXX verified it as accurate? How? No paperwork, no proof, no anything. If not dropped I intend to sue for damages.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 2. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 3. XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 4.XXXX Funds - this account doesn't belong to me. 
Action Requested : Please Delete 5. XXXX - this account doesn't belong to me. 
Action Requested : Please Delete
This account was suppose to be removed from my credit report due to inaccurate information and I 'm also taking care of it directly with XXXX XXXX College. The account was removed from my XXXX report but not my XXXX. It is now XXXX XXXX,2017 it 's been over 60 days since I filed this dispute.
From XXXX to today XXXX/XXXX/XXXX Discover BANK has been sued over 40 times in Federal courts and over 200 times in States courts each time Discover were order by the courts to pay damages! I have never received o cent form Discover BANK!
My wife had a credit card in her name with Wells Fargo Bank that I did not know about when she took it out. My wife passed away onXX/XX/XXXX Based on the credit reports, she had paid through the date of her death. I was approved by the County Probate Court as executor. I settled all debts of hers that I was aware existed which were few other than burial expenses. The County advertised for all creditors to file claims against the estate as required by law. Wells Fargo did not file any claim against the estate. They also did not notify me of the debt which would be correct since I had NO legal obligation to pay it other than through her estate and was not aware it existed. The estate closed 6 months or so after the initial filing of the will in Probate Court and the required legal notice to creditors.

A month or two after my wife died, Wells Fargo started reporting the debt as a past due obligation of mine and proceeded to trash my credit history, good name and character. I learned about this defamation when I was denied credit inXX/XX/XXXX. I contacted Wells Fargo and was informed that they would investigate. They sent a letter to the estate and stated that they would erase my name from the file after trashing me for 27 months for a debt that wasn't mine. They claim that they have made no mistake and offer nothing more. They sent the letter to the estate only and have not sent any communication to me, yet I am the aggrieved party. I called and left a message for them to call me and they have not bothered to return the call in 2 weeks. The Wells Fargo case # is XXXX.

Corrrecting their mistake by deleting me from their records is required by law and they refuse to even acknowledge that they messed up. They have not done anything to address 27 months of erroneous reporting. Their response is wholly inadequate to compensate me for attempting to destroy my credit because my wife died and they failed to do their jobs correctly and file a claim with her estate. They should not be allowed to make up false and fictitious allegations against me for their inability to handle the debts of a deceased customer and should be fined and or offer compensation beyond we'll fix our mistake after making it 27 months in a row. They wouldn't even have done that had I not filed a complaint.
I XXXX XXXX file this complaint against a collection agency that acquired information on me from a situation I faced back in 2007. The original company called XXXX XXXX XXXX has lost all legal ability to collect on a debt that was never owed in the first place. My information was acquired through a debt collection pool that has been scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. Under the Fair Debt Collection Practices Act a debt of this nature must be 100 % validated. Fair Collections and Outsourcing has shown no proof of ownership or the approval to collect a debt by legal statute. The legal timeline if one was ever necessary has passed by this time. What Fair Collections and Outsourcing is doing is holding my credit report hostage, even though they have no right to attempt to collect on this credit item in the first place. I believe that this collection agency should be sanctioned for this illegal activity. Accordingly, I demand this extended collection be deleted immediately and permanently from all pertinent credit reporting agencies. This agency was required to show proof from the initial procurement of the collection. That right was never protected on my behalf. The maintaining of this collection on my credit bureau seriously violates the Fair Credit Reporting Act. I demand its deletion immediately!!!
XXXX XXXX XXXX On XX/XX/XXXX, I submitted an application for income based payment. I went to studentloans.gov and granted access to a joint tax return with myself and my wife showing both of our income. On XX/XX/XXXX, I received a notice from Nelnet stating that my application was incomplete and that I need to submit proof of income. I responded with a copy of my Paycheck stub immediately. I then received on XX/XX/XXXX with a duplicate email requesting proof of my income. I went back to my email and submitted the same attachment showing my income. On XX/XX/XXXX I received another duplicate email requesting a copy of my income. On XX/XX/XXXX, I contacted Nelnet via phone. I was told that it was not MY income that they needed, rather a copy of my spouse 's XXXX. On XX/XX/XXXX, I received a letter stating that {$3700.00} was being added to my principal balance and that my payment would increase from {$280.00} to {$1000.00}. I am frustrated that the correspondence with Nelnet was vague and their communication with customer service did not specify that the income I needed to submit was for my spouse, not my own. I have asked Nelnet to reverse this capital interest penalty and calculate my payment appropriately and they have not done so.
In XX/XX/2017 I responded to an internet advertisement from Chase Credit Card company for a credit card ( Mileage Plus Explorer ) that would award XXXX miles to my XXXX Miles program if I would spent {$1000.00} in three months since account opening. I applied for the card electronically and I was qualified immediately ( I have other credit card accounts with Chase with excellent credit ratings ). Next day I saw a similar ad for the same card that offered a XXXX mile award to my XXXX account if I were to spend {$3000.00} in three months. I called Chase and talked to a customer service representative by the name XXXX and requested whether I could qualify for the higher award. XXXX indicated to me that if I were to spend the {$3000.00} in three months following account opening I would be awarded the XXXX miles. I went ahead and met the requirement by spending {$3000.00} in the indicated three month period, but when I checked my account I was awarded only XXXX miles. I called Chase again and talked to another customer representative by the name XXXX, and explained to her the promise made by the previous agent, XXXX, regarding the XXXX mile award. XXXX said that XXXX was wrong and she should not have promised me the higher award. However, XXXX indicated that there were some other programs that she would try and see whether she could satisfy my request for the higher award. After about two weeks I received a letter from Chase requesting that I forward to them an offer code that presumably Chase had sent to me through my account website. I had never received such a code. So, I called Chase again and talked to another customer representative, XXXX, who explained to me that such a code was not sent to me and that the only way to get the higher award is through a specific invitation sent to me from their marketing department. However, he did not indicate whether Chase was willing to do this in my case. Thus first, Chase through their customer service representative misrepresented their credit card program second, they have admitted such misrepresentation as an error and third, they do not seem to be willing to offer any rectification in an effort to mitigate their agent 's error. If such misrepresentation was not made, I could have spend the {$3000.00} on another credit card and received cash rewards.
I have been trying to cancell my PMI insurance With Ocwen and they keep stalling me and making up excuses. Have sent an appraisal, my payment history is excellent, my home is worth more and I have done many improvements. They will not contact me or give me any CLEAR answers.
I have asked Chrysler capital/santander consumer for a copy of my contract lease with them for a copy of the list of fees that I will be charged and the payment history in which they have received from me! Send Chrysler capital refuses to send me any information regarding my payment history and extra fees they have been charging me and a copy of my contract lease with them! Particularly a gentleman named XXXX keeps lying saying that they 've sent the information I 've been waiting for months I have n't gotten XXXX document or anything else can you please help me get a contract copy and my payment history, contract, as well as any list of fees I shall be charged thank you. XXXX stated they can not send my contract certified mail to guarantee I got it he also stated they can not send my contract or Fees or payment history via email. Chrysler capital is withholding information from me so that they can overcharge me with fees!
I purchased 1 {$200.00} XXXX gift card ( Card # XXXX ) on XX/XX/16. When I tried to use it for the first time earlier this year, it only had {$2.00} credit left. I had the physical card with me the whole time. It appeared that this card had been fraudulently used. I filed a dispute with U.S. Bank but they only agreed to credit me {$52.00} for 3 charge transactions that were made. They claimed that their system does not keep the records of the other transactions so I am not able to dispute them. As a result, I am out for {$140.00} due to the vulnerability ( to hacking ) and the deficiency of their system.
On XX/XX/2018 a letters were sent to Renton Collections to verify " debt '' notifying them they had 30 days to reply with all 7 items required by FDCPA or to remove " debt '' from credit reporting agencies for two accounts. Neither happened and calls have continued to try to collect.
I received a dunning letter from AllianceOne Receivables Managment , Inc ; that derived from a traffic situation. They said that they were a debt collector, I confirmed under 15USC 1692 ( a ) ( 6 ). I requested validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692G. mailed by USPS Certified mail No. :XXXX. On examining their communication I found that they committed violations of 15USC1692 ( c ) by not having prior consent from me prior to contacting me, this is Identity thief under FDCPA and FCRA XXXX CFR XXXX. No prior consent also violated the Gramm-Leach-Baley Act. Their communication also do n't have the required language pursuant to 15 USC 1692G, there is no miranda on the communication that stated I have 30 days to dispute their claim therefore their communication is considered under 15USC 1692D to be harassment and abusive. In addition their communication violated 15 USC 1692e by making threats.
NAVY FEDERAL CU account with debt amount of {$750.00} is not mine, identity theft. dispute has been sent to the company 4 times without any solution.
I became aware when I checked my credit report that this debt collector under the name of XXXX XXXX, XXXX has reported incorrect information that I owe the amount {$1200.00}, I have sent a notice of state and federal validation of debt.
I rec 'd a letter from Ally XXXX for a debt that is NOT ours. I verified this with my husband 's SS #. I told them XXXX to not contact us again via phone or letter or I would file a complaint with CFPB. I even wrote that on their letter and sent it back the next day. They even asked if I knew the person they were trying to reach. There are several people with the same name ... .I googled it. How would I know WHICH one they were looking for? Besides even if I did know ... ... it 's NONE OF MY BUSINESS!!!!!
SPS continues to ignore the real issues of my complaint as described in our attached verified and notarized statement in opposition to their response to our CFPB complaint case XXXX.
I refinanced my loans away from FedLoan. A payment was made in the amount of {$10000.00}, however FedLoan misapplied the payment equally across all of my loans rather than paying off the higher interest loans I intended and instructed it to. It should have instead been applied towards paying off the following loans, in full, in order : XX/XX/XXXX Direct Sub Stafford Loan ( 5.75 % ), XX/XX/XXXX Direct Sub Stafford Loan ( 5.35 % ), and XX/XX/XXXX Direct Sub Stafford Loan ( 4.25 % ). It should NOT have been applied to the XXXX Direct Sub Stafford Loan ( 3.15 % ). This will cost me much money in the long term, as now the higher interest loans have not been paid off as instructed while the lower interest one has, earning FedLoan more money than they are entitled to ( at my expense ). Please fix this payment issue and correctly apply the payments to the loans as they should have been applied in the first place.
Hello, I have two accounts with chase and both were charged overdraft fees when the other had money in the account. Also, I want overdraft protection of some kind!

I would like the insuffient fund fees refunded. Additionally, the charges that caused the overdraft were unauthorized and I have contacted the merchants, so those charges have been refunded.

Account ending in XXXX XX/XX/19 : 2 charges of overdraft Account ending in XXXX XX/XX/2019 : 3 charges of overdraft Total fees : {$170.00}
I call last month and send letters with update address and ask them too remove address that didn't belong too me. They only update and didn't remove all just some and some address was not mine. I ask too update and remove old phone numbers as well still only updated without any removal. All three bureaus
My file has been handled by a the Equifax consumer affairs department since XXXX. When it was first placed there I inquired as to why and how long it would remain there. I was told that it was for my protection and it would remain there indefinitely. That could be from a week to years, they could n't be sure. So I waited thinking this would be an added since of protection. Well it has been 6 + years and it has been worse than being a victim of fraud. They have taken my legal right to monitor my credit report with Equifax from me. This department is very nasty and unprofessional. They do n't have set hours. In fact, when I called in today at XXXX am, I was told that they were closed. When I inquired as to the hours of operation I was told that they did n't have set hours of operation by a representative by the name of XXXX. What kind of company does business like this? I now have to wait for them to call me back one day this week to address my credit file listed with Equifax. How is this legal? I have resolved all issues with both XXXX and XXXX XXXX without these types of problems. I should be able to access my credit report. It 's my right to. Furthermore, I have received notice from several creditors stating that they have investigated the fraudulent accounts and the resolution was in my favor, so they requested that all XXXX bureaus remove the accounts from my report. Yet Equifax, for years, has claimed to have verified these accounts. How is this possible? Also, in response to my complaint against them earlier this year, they stated that they needed verification on my identity to provide me with access to my credit file. The funny thing is that I have provided that information several times over! Yes they have sent me a copy of the inaccurate report but have been of no assistance in me addressing those inaccuracies and correcting my report and its reflected history. I am requesting that my file be released from this department as they have proven to be nothing more that an inconvenience and problem for me. It is my right to request this! I am including in this complaint a copy of my driver 's license, my social security card, a current utility bill as proof of address, a notarized copy of my FTC Identity Theft Affidavit, a copy of my police report as well as a few letters from some creditors stating that they asked for accounts to be removed. Please help me close this ugly chapter of my life and move on! I need resolution and to end the mishandling on my file with Equifax. It 's been far too long!