WillisBack/dataset-financial-user-claim huggingface dataset:
Bayview loan service took over the servicing of loan number - For XXXX DATE XX/XX/XXXX. 
This company has missed manage this loan the the principal is constantly being manipulated.There seems to be some kind of fraud with the principal balance on the documents. 
When I called in and asked about the loan customer service told me that the loan was 13 months behind and i said how can that be when you have been getting the payments.She asked if i was in a loan modification i told her we were not in any loan modification. 
Then my wife called in on XX/XX/XXXX and customer service XXXX tells her that there is {$7800.00} in a suspense account she said to her why do they have it in there she said she would move it over and that it would take 24 hours to show up in the account. 
Then my wife called in on XX/XX/XXXX and XXXX said there is {$480.00} in the suspense account. 
The original loan amount -XX/XX/XXXX- {$81000.00} Loan amount on XX/XX/XXXX- {$89000.00} Loan amount on XX/XX/XXXX {$88000.00} Loan amount on XX/XX/XXXX {$88000.00} Loan amount on XX/XX/XXXX {$86000.00} On the XX/XX/XXXX to XX/XX/XXXX. The suspense account had {$1900.00} in it. 
They applied the money from the suspense account to the loan. 
The balance was brought to {$86000.00} date XX/XX/XXXX. 
I want to know why this account has so much inconsistency with it and what happened to the {$1900.00}. 
Now the balance is back to {$89000.00} after what looks like they did some type of reversely on this account. I have sent documents to show some of the inconsistency on this account. 
Deliberately creating a technical default or wrongfully declaring a default in order to generate fees and penalties.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX left messages with no details threatening proceedings saying I have only a certain amount of time to respond with a statement threatening to come to my place of business and will not stop calling. I dont know who they are, who they represent, have never received anything in writing and they call using fake phone numbers.
My Name is XXXX XXXX and I went to XXXX University in XXXX Florida, which i finished back in XX/XX/XXXX. In XX/XX/XXXX XXXX was Shot down do to a lot of Problems and lies with that school. They never helped me as they Promised to find Employment, and they lied to me about the Total amount that my XXXX XXXX XXXX would be for only 2 years. From {$14000.00} and some change that i was told, they started charging me $ XXXX Change. They are Taking all my Taxes and on top of that they are going to take my XXXX XXXX away too. I have a Family to feed, and bills to pay in order for me to have a place to live. My life has been a Struggle do to the Fact that i still haven't been able to find a Job for what i Graduated from and have to live off of Min wage and Part Time Jobs. I can't afford to lose my check too or who will pay my bills and take care of my family. This School has done nothing but made my life XXXX and so has the student Loans, over charging for only a 2 year XXXX XXXX. Now XXXX sent me a Letter from the behalf of my Current Part time Job, that they will take half my check as well. This XXXX University has been nothing but a headache and a Scam and so is Salliemae and Navient Student Loans. I need serious Help because this is affecting my Life and My Family.
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX. 
XXXX My full DOB is XXXX my SS # XXXX. Please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX   XXXX, XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Several items are listed on my report that are inaccurate and have not been removed, after countless attempts in writing to have them removed and/or corrected. 

XXXX XXXX never late and accounts have been closed for years, there is no delinquent data current and Chex systems refuses to delete erroneous information. 

One XXXX XXXXXXXX XXXX- has my checking account listed as abuse which is incorrect and illegal. The accounts are under review and this distinction is posted in retaliation for my reporting the Director of Collections XXXX XXXX for misconduct.
My data was " potentially '' stolen as part of the recent Equifax security breach. 

I 'm also appalled that they try to trick you into signing up for " Identity Protection '', and waiving your legal rights to sue the ever-living XXXX out of them. 

If you use their website to check if your data was stolen, DO NOT SIGN UP FOR ANY SERVICES.
Request a 90 day fraud alert from any of the big three reporting companies, and do nothing else, unless you want to freeze your credit.
My name is  XXXX   XXXX , I had a  XXXX   XXXX  account with account number  XXXX . My account with  XXXX   XXXX  ended in  XXXX  of  XXXX  when I moved to an apartment that did not have a clear view of the southern sky, which per their rules resulted in the contract being canceled without penalty. Per their agreement, I was to send back the  XXXX   XXXX  receiver and  XXXX   XXXX  remote which I did during  XXXX  of  XXXX . There were some issues with  XXXX  not realizing that I had shipped the box to them already and for some period of time they would call me about it, however in late  XXXX  or so after repeated conversation with  XXXX , they realized that I did in fact shipped the receiver and it was in their possession. My understanding was that the matter was resolved. However I just discovered in  XXXX  of  XXXX ,  XXXX  has turned the account over to collections to Enhanced Recoverey Collections which has reported the collection account of {$290.00} on my credit report. The {$290.00} is for the allegedly unreturned  XXXX   XXXX  receiver, despite the fact that it was returned. This is a debt I do not owe. I 've called both  XXXX   XXXX  and ERC about this, neither are willing to remove it.
Before I had incorrect information reported to the credit bureau from XXXX student loans my credit score was around 660. I still have the same accounts that I had before the incorrect information was reported. The incorrect information dropped my credit score down to XXXX. I submitted a dispute on XX/XX/2018with TransUnion credit union in regards to the incorrect information from XXXX student loans and my result came back on XX/XX/2018 showing that most Of the information was corrected except for one month which I also did a dispute for. I asked them why my credit score didnt change once my corrected information was resulted and I was told that because of my credit cards usage which was the same before the mistake was made. I was also told that my credit score would not change because its adjusted by a system. I informed the man that my credit cards and all of my account usage is the same before the mistake was reported on my credit and I asked why wouldnt my credit score be corrected, but I didnt get any help with this problem.
I have a credit card with US Bank, a XXXX XXXX Personal Visa Card. This account was opened in XX/XX/XXXX about XXXX months ago. 
They just sent a communication they are cutting a core benefit of this card on XX/XX/XXXX, A XXXX hotel night will no longer be offered when booking reward stays of XXXX nights or more. This was the primary reason I opened my account. 

As part of the Card Act / CFPB rules, I thought issuers were not allowed to XXXX cut card benefits in the first year of cardmembership, and XXXX charge an annual fee for a benefit ( Which I paid at opening ) and then remove that benefit in the same year the annual fee is paid. 

I feel I was seriously deceived and misled and deserve a refund of my annual fee at the minimum, and additional points/compensation for a credit pull under false pretenses. 

Thanks for the help, XXXX
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXXXXXX To Whom It May Concern, I am writing this letter to bring to your attention the failure of Pentagon Federal Credit Union ( PenFed ) to pay out on a gap insurance policy on a vehicle loan I purchased from them when obtaining that loan in XXXX 2016 for a XXXX XXXX van. This issue with PenFed has been on-gong since XXXX, 2016 without either contact from, or any attempts to resolve. <P/>In XXXX of 2016, this vehicle was vandalized while parked where I had been staying for the evening. In XXXX of 2016, the van was vandalized a second time, much more extensively, while parked at my residence, rendering it completely non-functional and inoperable. The van was taken to a salvage yard in XXXX XXXX, and a police report was filed. <P/>Shortly after, I delivered the paperwork from the salvage yard to XXXX XXXX, Senior Manager at the XXXX branch of Pentagon Federal. This was when the real problems began. I was given the phone number to PenFeds third-party insurance provider, whom I called and provided with all the relevant information. I had not been told at the time of purchase that the insurance was not offered through PenFed itself. <P/>What I have experienced since then has been a never-ending chain of deferrals, voice mails, un-returned phone calls, and threatening notices of default sent to the vehicles co-signer. I have opened a case with PenFeds third-party provider not once, but three times, each time to find out that my case information later disappeared, unable to be found, whereupon I am told my only recourse is to begin the process again. No one from PenFed has ever personally reached out to me or responded to any of my complaints, despite receiving them in writing. And again, the case files with their third-party provider keep vanishing. <P/>In short, PenFed is refusing to pay out the gap insurance policy which I purchased at the time of the loan and was led to believe I was purchasing from them. They are refusing in spite of my having provided them with ample evidence that the vehicle is totaled and inoperable due to no fault of my own. <P/>PenFeds ongoing refusal to honor the gap insurance policy which I purchased from them has caused me financial hardship. Unable to use the van, and faced with PenFeds unwillingness to pay out on the policy which they sold me, I became unable to continue working. <P/>Please take action. <P/>Sincerely, XXXX XXXX XXXX
This is a follow-up to complaint filed with CFPB (  XXXX  ), filed against  Navient. Recap : I 'm trying to pay down my student loan as quickly as possible by paying more than the m inimum each month. I set up monthly autopay but the amount set for each month continuously decreases without notice or permission, even after numerous contact with  Navient and  explicitly telling them not to lower the monthly amount. The last complaint from late  XXXX  about this same issu e. Navient resp onded and provided instructions on how to prevent this. Update : This worked for 2 months and then happened again in  XXXX   XXXX . I have followed up directly wit h Navient to inquire why this is happening again, even when I followed the instructions provided by their representative. Representative was unable to provide an explanation or assurances that this would n't occur again. Once again, Navient is trying  to extract as much money from me by attempting to make my payments last as long as possible.
Portfoilo Recovery XXXX XXXX Still reporting under XXXX XXXX XXXX But states Sold to you I have disputed this for over 9 months I have No contract with you and you are in violation of the FCRA, I never receive any type of letter from you stating this was ok to put on my report this is a fraud case in 2014. I have all documentation XXXX, CFPB, FTC, OCC, ATTY GEN CA all documents. XXXX XXXX XXXX as no proof at all that this was made or used by myself they make hearsay comments with no evidence I have requested over and over I have there copy of what they called a contract with nothing on it there is not One actual signature on any documents they have sent also all the above agenies have these documents showing this remove this account from XXXX  now
I completed a modification application late XX/XX/XXXX with the assistance of XXXX. On XX/XX/XXXX Wells Fargo requested several documents, 12 documents which I provided to them onXX/XX/XXXX and XX/XX/XXXXin their entirety and before the sale date of XX/XX/XXXX. Wells Fargo representative called me at XX/XX/XXXX stating that I would not be considered for modification and that they could not move forward with a review even though I provided them with everything they asked for. 

Office of XXXX complaints representative XXXX called me on XX/XX/XXXX and indicated that even though they had received the documents requested they would not be able to review the documents and consider me for mortgage assistance due to the proximity of the sale date and the history on the loan meaning how many attempts I made to modify. 

On XX/XX/XXXX XXXX called XXXX to tell them it was due to a lack in change of circumstances as to why my file would not be considered for re-entry into modification and none of the reasons that they gave were valid. 
!. I have moved back into the property. A very serious change in circumstances. 
2. My overall household income has gone up as I have been able to include my contributors income by prove co-habitation and shown that myself and the contributor have regained possession of the property which were previously being held up by tenants or some people a friend recommended as roommates but took over the home. 
3. My contributors income has also gone up since the previous application. to XXXX plus the XXXX XXXX of $ XXXX net average and my income of $ XXXX 4. I am including XXXX XXXX income now that we have regained possession of the property. 
( after meeting with my accountant I had to cut a few of my business expenses down but it is all reflected in the profit and loss statements attached. )
I attempted to dispute some information on Equifax report. On my first attempt, I filled out the appropriate fields and verified my information. I was about to submit my request for the first dispute when the system kicked me out and said there was an error. Again, I went back to Equifax and upon correctly validating my information I was told that " The information you provided does not match our records so we are unable to process your request online. '' Equifax then asked me to fax in my dispute with a copy of my driver 's license. I tried once more, even asnwering the identity verification questions again and was given the same response. Now, when I attempt to initiate a dispute with Equifax 's credit reporting, I am no longer directed to the validation questions but am instead immediately asked to fax in my dispute as my information did not match their records. If Equifax had no record of me, how I was able to successfully log on to their site and begin the process of disputing the reporting? I would like this error to be corrected and be given access to my report so that I can dispute the inaccurate information. I even tried to access my Free Annual Report so that I could obtain a confirmation number ( much like the report numbers you get from XXXX ) and use that number to launch my dispute but was instructed to MAIL in a copy of my license and Social Security Card in order to validate my identity. It is insane that I would be expected to mail or fax any documents to Equifax after already having validated my identity and being allowed to start the dispute process. 

There were XXXX accounts listed that were not mine and XXXX account that could not belong to me as I have not opened any new credit accounts this year. I have attached the incorrect information as it appears on my report made available to me by XXXX. ( Even though, I am unable to dispute this information VIA XXXX as they redirect me to Equifax 's website which refuses to acknowledge that I exist. )
i was told that there is noting thati can do once i let one company check my credit they an use as many companys as they want to and i filed bk they should remove some of the creditor that i apply for
Friendly foot care submitted payment to the wrong insurance and XXXX XXXX of payment crossed in dates that were during a chsngebin insurance company 's and coverage. The date of services I was on indiana XXXX. I got married and then changed my insurance to my husband 's. They billed the new insurance then we 're denied because no coverage for the date of service. XXXX was bill led for this and denied due to the dates billed for services. Th I bill should not have happened I had insurance through XXXXvwhen this service was provided. I did try to explain to XXXX and the collections that this was not my responsibility but they continued to collections.
Synerprise has been reporting a fraudulent collection on my credit reports. I only found out about this collection from reviewing my credit reports. Synerprise continues to verify with the credit reporting agencies and they refuse to respond to my letters. I have recently filed complaints with the TX Attorney General, the XXXX and the KS Attorney General. 
The account number listed on my Equifax report is XXXX. The last XXXX numbers have XXXX 's so the entire account number is not listed. I included copies of my dispute letters and credit reports to the TX & KS Attorney General offices. 

I also plan to file complaints against XXXX for ethics violations with XXXX XXXX.
After completing a consolidation process to lower my monthly student loan payment through the XXXX XXXX XXXX XXXX, I was approved and have a confirmation email dates XX/XX/XXXX. My repayment to Sallie Mae, my private loan lender, was due XX/XX/XXXX for the very first payment after graduation - which would have been roughly {$450.00}. I was informed not to pay sallie mae, as the federal student aid would be covering the loans and it would take up to 90 days to complete the transfer process. I called and clarified this with the XXXX  company several times, as I was still getting alerts constantly from sallie mae my loans were overdue, and reassured I shoud n't pay because XXXX would be taking care of the matter. 90+ days go by, and no consolidation had been completes, sallie mae didn't have any record anyone from XXXX  had even contacted them to dispute the repayment amount. I am now past due with an amount {$1200.00}. Sallie Mae is unable to consolidate any of the past due amount, and the XXXX XXXX aren't willing to help, as they don't settle private loans - which i was unaware of, and was told several times repeatedly that they would take care of all my student loans - public and private. I was unfortunately misinformed about what was being consolidated - and now am unable to receive any help or assistance from either company. I am hoping to get this unfortunate miscommunication and misunderstanding settled once and for all, please!
I disputed this alleged debt via certified regular mail asking for proper validation of the claim to no avail. All I got in return is a generic letter stating that they were not gon na validate the alleged debt and that they were not gon na take any further action to address this issue. My initial letter to them was simply asking them for a copy of a original signed contract to validate the debt. If they can not produce that then by law they have to cease collection as well as remove the account from my credit report.
Time finance is still reporting this account as its still open.. however the account is charge off and the reporting it with a open balance ... I have reach out to them and explaining to them that this account needs to be remove especially if they have already charged it off
In 2003 I got a divorce, at the same time my husband filed for bankruptcy. Shortly after I had a judgement on my credit report for a debt from Discover for my X husband 's credit card. I disputed for years finally it was off my credit. Recently the debt collector filed a writ of revival. I tried to hire a lawyer however the cost of lawyer was more than the debt. This is not my debt, I never gave them my social security number. At this point I do n't know what to do.
I have recently reviewed a copy of my personal credit reports ( XXXX, XXXX and Equifax ) and have noticed numerous mistakes and inaccuracies in which I am bringing to your attention. 

I had a credit card account with XXXX XXXX, that unfortunately went into default due to a financial hardship in XX/XX/XXXX. I called on XX/XX/XXXX to XXXX XXXX -with the propose to resolve this debt because the account is reporting a Balance on my credit reports- I spoke with a representative named XXXX, He told me that XXXX XXXX just forgiven the debt and sent me a XXXX form, I asked if they are collecting the balance and he said is any balance owe to the XXXX XXXX and they are no longer collecting the balance. 

I verified my tax records and I received a XXXX Cancellation of Debt from XXXX XXXX, and subsequently had to pay the IRS the income tax due on the cancelled debt that XXXX XXXX   reported. 

I disputed the account with the 3 credit bureaus because they are reporting a balance in my credit reports, but XXXX is not longer collecting any balance and forgive the balance of the account, so I don't see the reason why the Credit Bureaus and XXXX are reporting a Balance on the account. 

I have done research on the topic and would like to advise both the Credit Bureau that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX XXXX XXXX ) XXXX XXXX v. XXXX , XXXX XXXX . XXXX XXXX ( A ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX XXXX ) XXXX XXXX XXXX . XXXX. v. XXXX, XXXX XXXX. XXXX. XXXX XXXX ( XXXX. XXXX. XXXX. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). " is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at 271. 

I have been advised that you have thirty ( 30 ) days to begin and conclude your investigative procedures. Upon completion, I request to know the name and address of the verifying source along with a description of the process you used in contacting them. Furthermore, I request that you provide me with an updated and revised copy of my credit file reflecting your correction of these errors.