WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX a Lawsuit was filed against me by XXXX , XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by XXXX XXXX XXXX : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office Machol & Johannes has been contacting me regarding the same account claims from XXXX , XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The XXXX XXXX XXXX is who to talk to, and they are unresponsive. 
In calling Machol & Johannes they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The XXXX XXXX XXXX : Attorney XXXX XXXX or Machol & Johannes, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.
I received a call stating I owe this debt and it was in collections. I have never received notification by mail of this collection nor is it listed on my credit report. The particular company they mentioned I paid off on time and am in good standing since 2014 in which I have not done business with them or have not contacted them, and they have NOT contacted me. At this time I have no collections pending. I asked for a debt validation notice via mail, and they sent an email from their company. They also contacted my place of employment and threatened the person who answered. They also contacted my mother threatening to sue her as she was a reference in which I have never used my mother as a reference on any credit matters. I have received numerous voicemails and threats from this company for a debt that I do not owe.
I have a car loan for my XXXX XXXX XXXX that I purchased in XXXX. I financed the vehical through Toyota Financial Services, I made a payment for XXXX XXXX and was told that they never recived it but it was taken out of my account and I have proof. I have not missed any payments as I was trying to buy a house and was almost there until this incident happened and now my credit has gone down almost 100 points, it has completely ruined my credit and my life because now I cant better my life in anyway, I cant upgrade my vehical I cant get a house and I cant get into a better apartment because my credit is so bad. I have called 5 times to Toyota financial and written a email, and sent fax of my proof for my missing payment 2 times, and have not gotten help from any of the workers from Toyota financial and I even went to XXXX of XXXX and had them fax my info to Toyota Financial Services and they said they still dont have anything from me.
There are address attached to my credit report that do not belong to me. I will like like for you to help me solve this issue.
I am a XXXX XXXX and applied for XXXX  Loan Forgiveness. My first application was declined for unknown reasons. The next month, the payments with current loan jumped from $ XXXX/month to $ XXXX/month. The same time, Navient offers me a loan refi to bring my payments back down to {$200.00}. While waiting for my second application for XXXX forgiveness to answer, I refinance to keep payments low. Unknowingly, the refi goes through but I find out later it's a private loan and not qualified for the XXXX Forgiveness. I was unaware that the forgiveness would not apply. It is suspicious that as soon as I applied, my payments jumped and they happen to offer a refi. I called to have refi turned around, they refused.
I have kept in touch with my lender over the span of my loans. Recently, my lender has reported XXXX late payments for the months of XXXX XXXX, XXXX XXXX. These alleged late payments are also being reported negatively to the credit bureaus, when in fact I have requested before these reports that a forbearance be granted due to the fact that I have been enrolled in education towards my professional development as well as in the teaching profession since XXXX. According to the Office of the XXXX, if I am performing XXXX, and have been active in my professional development, I qualify for a mandatory forbearance. I have called my lender throughout the years to advise them of my XXXX status in a high need area while being a highly qualified XXXX. They have neglected to report my account accordingly, even though I have communicated to them about this error, they insist on not retracting these late payments that should have been under forbearance. As I pursue my options for repayment, the delinquent reporting is hindering my progress to pay off these loans satisfactorily.
My aunts car check book and debit card were stolen The bank Of America in XXXX SC. She attempted for 3 days to call the fraud department of BOA without getting through. She was able to finally get someone on the phone on XXXX/XXXX/16. She followed up by filing police reports. A total of XXXX stolen personal checks were deposited into her account on XXXX/XXXX/16. The first withdraw was made in the amount of {$240.00}. Then 2 attempts were made at XXXX XXXX without success however a withdrawel was made at BOA when more money was obtained. My aunt states she never gave her PIN number to anyone ever. We feel like a girl in and out of her home somehow guessed or watched her put the pin numbe. She filed her claims alone A follow up call she was told because the claim Was filed on XX/XX/XXXX she failed to show concern. My aunts completed every thing the fraud department requested her to do. My aunt is XXXX And becomes confused quick she did n't understand exactly what was expected of her and what the BOA was asking her to do. New claims were filed but to lay Shock the Bank of America denied the claims again. My aunt is on a fixed income and she received her XXXX in the amount of XXXX. Over {$600.00}. Of her check was taken by BOA they were no help at the fraud department. No one would reach out and assists her. She asked for supervisor to be contacted. The XXXX supervisors were talking hateful and not helping her. The bank refused to reopen the claims or provide my aunt with any details. The BOA speaks of its XXXX libability on fraud. The bank seemed to be taking advantage of my aunts XXXX and lack of understanding. Her car insurance is about to be cancelled and her car may be taken from her
On XX/XX/2018, I received a letter from XXXX XXXX stating they had investigated an inquiry made by one of their clients, XXXX XXXX XXXX XXXX XXXX, about my credit worthiness. In the letter they included from XXXX XXXX XXXX, the branch manager states that my credit was pulled on XX/XX/2018 to see if I qualified for some kind of home improvement loan for {$20000.00}. XXXX XXXX failed to show any type of physical proof for my application for such a loan such as a credit application, or even a document showing that I had given my permission for them to run a credit check for such a loan. This inquiry was definitely not initiated by me, the consumer, and I want XXXX XXXX to remove the hard inquiry from all 3 of the credit bureaus, ( XXXX, TransUnion, XXXX ) at once because this demonstrates a defamation of my financial character and willful negligence to damage my credit score under the laws of the FCRA.
Received  XXXX  inquiries on my credit report from a Target/td bank that I never authorized dates  XXXX / XXXX / 2017  and  XXXX / XXXX /   2017  I called and made them aware of this but was told to call credit bureaus who of course would n't remove them and told me to call company.
on XX/XX/2018 I opened disputes of debt validation with all 3 credit reporting agencies. Equifax, XXXX, and XXXX. Equifax and XXXX have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, XXXX and Equifax tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on time.
The company said they would remove my the account off my credit report and they have not even tho I paid the settlement for a delete
I have XXXX loans ( we 'll call them the " XXXX '' and " XXXX '' loans ) with Sallie Mae currently- they 're under the same account, but for XXXX different school years. The XXXX loans have their own cosigners, XXXX who have been making monthly payments on their respective loans. We do not use Sallie Mae 's automatic Bill Pay option, as the cosigners would rather have control of the flow of payments through their own banks. 

Over the past several months, whenever a check was sent to Sallie Mae to pay for the XXXX loan, it was always allocated to the XXXX loan, instead. As a result, my XXXX cosigner and I were notified that a payment was overdue. I 've called them many times over the past months to reallocate these payments, and it would take days for the changes to take effect. Often in the meantime, it meant that a late fee would be charged to the account, never mind that the payment had actually been received. 

In late XXXX, I had come to find out this had happened again when Sallie Mae was asking for the upcoming XXXX payment. I called Sallie Mae to figure out what was going on and reassign payments ( again! ). I had then found out that the XXXX loan has an overflow account- money that was sent to pay for the XXXX loan that has exceeded the scheduled payments due. I then asked that enough money be taken out of the overflow account to pay for any outstanding payments ( XXXX and XXXX payments ) for the XXXX loan, and I was told it would be done. 

Two weeks later, I was still receiving notices of overdue payments. Calling them back ( AGAIN! ), I 'd found out that the " work order did n't go through '' - they could n't tell me why. I asked them to start over, once again taking enough money out of the XXXX overflow account to pay for any outstanding payments XXXX XXXX and XXXX payments ) for the XXXX loan, and they said they would do it. For the next ten days, the balance due on the XXXX loan kept fluctuating- I was told this was to be expected because of the work order. 

I have just finished looking at my loan summary on Sallie Mae 's website ( it is now the beginning of XXXX ), and have been told that, alongside the payment due for XXXX, there is still (!? ) a past due amount on the XXXX loan- and I have once again been charged a late fee. 

I do n't understand what 's going on with this loan anymore. Over the past several months, every time I 've called, each representative gave me different answers to the same questions. I 'm pretty sure at one point, a supervisor outright lied to me about the details of my account ( a representative 's description of my account did not match the supervisor 's, despite them reading the same notes left on my account ). I am still in school, in a very work-intensive program, and do not have the time nor energy to keep playing this game with Sallie Mae. Goodness knows how this affects my credit score, or the credit scores of my cosigners! This has gotten beyond ridiculous.
I submitted a payment via mail  to Navient o  n  X/XX/17 . The paym ent amount was   XXXX   XXXX    which was  in money order from.   To date which is   XX/XX/17 ,  Navient has still not processed my payment. I think there is a deliberate action to delay payments posted to accts to further build late fees. its been more th an 2 weeks and they payment still has not been processed. This is not the 1st time that this has happened with  my acccount. It has happened on multiple occasions.
On or about XXXX of XXXX Equifax failed to keep my personal information secure. Equifax admits my information was stolen and that their security measures failed. Equifax is offering 1 year of credit monitoring service free of charge however my personal information is permanent and I will still be vulnerable for the rest of my life due to Equifax 's negligence. 

Further the information that Equifax mishandled can be used to access any account I hold or will hold anytime in the foreseeable future.
Back in 2009, I was hurt at work and was given a settlement of {$4000.00} in the form of a check. I then took the check to Wachovia bank to cash. I ended up opening a checking and savings account putting about $ 500- {$800.00} in checking and {$2000.00} in savings. Within a month i spent all that was in my checking and in turn had to transfer funds to my checking from my savings. I lost track of the fees that were accumulating everytime i transferred and before long I was {$300.00} in the negative. All due to fees. Shortly after Wachovia gets bought over by Wells Fargo who I have an account with now.
CENTRAL FINACIAL CONTROL SHOW ON MY CREDIT REPORT, I 'VE NEVER HAD A RELATASHIP WITH THIS COMPANY.
Nelnet, who services my loan, contacted a reference I had listed regarding my address. The company has my phone and email address. I do not understand why a reference would be contacted to confirm my address. I contacted the company and asked them to not contact my references again given that they already had a way to reach me. Nelnet 's contacting of a reference has caused me significant personal embarrassment. I send a payment to Nelnet every month. I am very upset and concerned about the company 's behavior in this matter.
I have disputed this debt over and over with the credit bureaus and the collection agency. Midland constantly is allegedly doing a reasonable investigation and verifying the account is reporting XXXX accurately. I disagree. While i have constantly asked Midland to verify and validate the debt and provide proof of it such as a contract or account statements showing what was bought with the alleged credit card. They have never sent any documentation at all. They only ever sent me a letter stating to call them to resolve my dispute. Since they have never sent me any documentation regarding the validity of this account they have violated the recent CFPB consent order from XX/XX/2015.
I Purchased a new roof for my home from XXXX 's XXXX XXXX on XX/XX/2017. I received several estimates prior to going with Lowe 's. I went with Lowe 's because I trusted they would likely stand behind their product and services and additionally they provided a 10 % discount to veterans which I fall in that category. My original estimate was approximately {$9000.00}. After speaking with the Pro Desk salesman, and talking about the decking that is common for houses in my neighborhood at the age of my house 50 years, I was told that Lowe 's would not be able to do my job without continuous plywood decking. That added an additional {$10000.00} to my job. My new quote totaled out to {$19000.00}. This is with an estimated 46 squares of shingles. After discounting was applied at {$3600.00}, I walked out with a total of {$17000.00}. 
I ended up calling my local county building code inspector who verified with Lowe 's that the additional decking was not needed or required. I informed the salesman from Lowe 's that I did not want or need that additional decking and was told that it would be returned with all the unused product. Every other roofing company including Lowe 's included 400sq.feet of additional wood for repairs when the old shingles were removed. Lowe 's used 400 sq. feet of decking on my garage roof area with the job. At completion, I returned 125 sheets of plywood decking out of 140 sheets. I returned 25 packs of shingles, 2 rolles of 4 synthetic roofing felt and several ridge vents. I was told it ended being 40 squares used. That was 2 squares over what other roofers estimated. After returns, my total ended at {$12000.00}. This is a 30 % markup over every other estimate. I got a total of 6 estimates before settling on Lowe 's. This should've been a {$9000.00} project.
XXXX XXXX is not reporting the correct payment amounts that are being made monthly. I 'm currently making over {$600.00} a month payments and only receiving {$35.00} a month and credit on all 3 credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit bureaus and XXXX XXXX XXXX would not do anything to correct this issue.
I could not afford the monthly payment and I called multiple times asking for help. They said I had no deferment and I explained I wanted to pay but I could n't afford the amount. They told me there was nothing that could be done i had to pay that amount and I could not speak to a supervisor because they would just say the same thing. I called almost 10 times asking for help. Finally on the last call, the representative told me to " just pay what you can and it 'll be fine as long as you pay something " I was paying between XXXX-XXXX a month the whole time ... in good faith. Finally I get a call my loan had been defaulted and was sent to collection agency. America education services is a money sucking leech. They do not want to assist and keep reporting me to my credit even after it was sent to collections. Now my credit is horrible and shows default which is usually assumes non payment when I was paying every month and the would not do a thing to help lower my payment.
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX, Bankruptcy ( s ) # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX XXXX ( ALL ), XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX # XXXX, Judgments ( ALL ), XXXX # : XXXX, XXXX XXXX XXXX # : XXXX. Remove all address other than my current address of XXXX XXXX XXXX XXXX, Il XXXX ; Remove all non-account holding inquiries over 5 days old,
I was told by my originating lender at PNC that if I paid my loan down to XXXX % LTV or LTC the PMI would be removed. He also stated that if I brought in an updated appraisal that shown an increase in value to my property the PMI would be removed. I paid down my loan significantly to XXXX % LTC ( less LTV ) in the first year of my loan. I called to have the PMI deleted and PNC stated that they would n't be able to without me paying {$500.00} for an appraisal which they must order. I asked if I could get my own appraisal ( especially since noticed that the last appraisal they ordered the appraiser charged {$240.00} yet I paid {$500.00} ) and they stated that would not be acceptable. I asked if I could bring in an appraisal from another Bank and they said no, I asked if I could order one directly from someone on their approved appraisers list and they said no. Their lender lied when he stated I could bring in my own appraisal to get the PMI deleted and I find it insane that if I paid as agreed and let my loan amortize out over years the PMI would be deleted yet I 'm being punished by being forced to pay {$500.00} for a new appraisal ( when my previous one if 13 months old ) or they wo n't remove the PMI. I would not have made this loan through them if I had known the truth and the lender had not lied to me.
We sold a house in XX/XX/XXXX in the state of Texas. We also filed for bankruptcy in XX/XX/XXXX. 
While the house was originally included in the bankruptcy, we worked with the lender a sold the house however, the credit agency refuses to update the report with the correct information.
am not aware about this inquiries I send a letter to the XXXX credit bureau, I try to call the company and no answer ( some of them do not pick up the phone ) : Tansunion XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
My husband had a parent plus loan in his name that we took out for our oldest daughter. We began paying it back and then we filed a Chapter XXXX bankruptsy in XX/XX/XXXX and paid off the chapter XXXX in XX/XX/XXXX and it was discharged. The trustee handling our bankruptsy paid off our loan to the Dept. of Education to an address in XXXX Texas. But 7 months later we received a bill stating we still owed on the loan. I contacted our lawyer and he forwarded to us all the payments the trustee made to the Dept of Ed. I then sent it on to Navient. They took several days and sent back what they had. The records do n't match. They do n't have listed even half the payments made so I sent our records again. They still have not fixed this. Our loan was for XXXX and at the time the trustee took over we owed {$3800.00} and she paid back to the Dept. of Education over {$4900.00} -- - {$3800.00} in principal and over {$1000.00} in interest.. this does not count what I already paid in principal and interest before she took over. How can we resolve this??? We have since been able to have this loan put on hold because my husband was approved for XXXX but in reality we do n't owe anything and would actually be entitled to a refund of all the payments we made on this loan after he became XXXX. We need help.
Equifax breach of Personal Information. I was one of 134 million potential consumers whose information was obtained via a security breach. I believe this breach could have been presented if proper security measures were implemented by Equifax. I have not voluntarily supplied my personal information to Equifax.
I recieved a notice on my credit report in XXXX That i owe an amount I never recieved a noticed and first of all I havent been to a doctor in years, years and we all know when we do go to a doctor they have us sign a document that says our information cant and will not be sent to a third party. But you lied they say I owe XXXX this need to be removed off my report ASAP because its not right why have a law if we not going to abide by it? Its a crime and I know if I submit a crime Ill be in jail right? Ok then I dont even have an account number with them
I request refund from a fraud company named XXXX XXXX and Paypal would not refund my funds from this fraud.. I have not recieved no products nor assistance in my refund. the fraud was XXXX XXXX of 2018