WillisBack/dataset-financial-user-claim huggingface dataset:
Was coerced into taking a large private loan over and above tuition costs for " living expenses '' I paid my loan on time for over a decade following graduation and none of my principal debts went down. All of it was applied to interest - all of which is detailed in the current class action lawsuits pending against Navient. 

I called them and asked for a more favorable interest rate or a different plan to help me to manage my bills and was told there were no options.
FIA Card Services was collecting on a credit card I had from BofA. FIA sought a judgement and won. I later settled the judgement yet it is still showing on my credit report as not satisfied. I have contacted the credit bureaus and can not get it removed or at the least correctly reported.
child support showed up on my credit report. This was incorrect in the first place because I was on XXXX from XX/XX/XXXX-XX/XX/XXXX so they were not legally able to even go after me for child support at the time. 
Anyway. Eventually they closed the case as paid because they couldn't go after me in the first place, I was never subject to the debt. 
Not only should this not be on my report in the first place, but now it is really really old and still shows. 
it is on XXXX, XXXX ( though XXXX says its from XX/XX/XXXX when I wasn't even born yet. ) and XXXX. 
It is just showing under " closed accounts '' but it reflects badly as it shows I wasn't paying and its very clear what it is for which reflects badly on me personally as well.
After questioning the validity of the mortgage debt since they were not shown as active on my MIN number recorded by MERS ( Mortgage Electronic Recording Services ), XXXX could not explain why they were inactive on my NOTE and sold the claimed debt to Bayview Loan Servicing LLC on XX/XX/XXXX. Current MERS search reveals that XXXX was inactive on my NOTE MIN number since XX/XX/XXXX ( See attached document ). 
Bayview Loan Servicing LLC has been trying to get personal information from me but I have insisted that they validate this debt. They sent me a packet filled with old statements, photocopy of the NOTE ( which they do not show up as servicer of the claimed debt when I searched the MIN number on the NOTE on MERS ). Bayview has sent me letter of intent to accelerate foreclosure when they are not able to validate this claimed debt. I need them to validate this debt by providing a NOTE that shows them as a servicer of my MIN number and a Bill to the said account so as to confirm the default.
I have made numerous calls to Navient about lowering my monthly payment. I was told I could not lower my payment to less than {$90.00} because I make too much money. I agreed to pay {$90.00} under a income sensitive program. I turned in all paperwork to navient to enter the payment program. I then receive a letter in the mail saying my new monthly payment is {$100.00}. I did not agree to this. I was also told that my first payment of {$90.00} was due on XX/XX/XXXX. When I log on to the website it says my payment is {$210.00} and I owe {$98.00} in late fees?? I was totally lied to. 
My account was also put into forbearance which I did not ask for. The payments I missed during the forbearance are now on my credit report.
I paid off a mortgage loan in 2006. The lender did not file a lien release. I am trying to sell my house now, and can not ; due to the lien. I am having trouble wit Bank of America getting the lien released. I have sent them copies of the payoff check, my settlement statement and XXXX overnight receipt. I am getting the run around on the lien release! 
Original property address is XXXX XXXX XXXX, XXXX, NE XXXX
On multiple occasions, we have asked Citibank NA to close various personal and business accounts. Citibank has assessed fees and penalties on these inactive account which we have repeatedly asked to be closed. Citibank has at times said that they are going to report our failure to pay their fees and penalties to credit reporting agencies. The account ending in XXXX is now showing " XXXX OverdraftFee {$34.00} overdrawn '' and " XXXX FeeServiceCharge {$25.00} overdrawn '' On XXXX XXXX, 2016, we sent this letter in response to XXXX XXXX 's instructions on how to have the account formally closed. 

" Citibank NA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, Branch Manager Dear Citibank : We have called your number, the general number and posted messages through the website to reverse charges, close all checking, savings and money market accounts for ( i ) XXXX, XXXX and XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ), ( XXXX ) XXXX XXXX XXXX XXXX, and ( XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX, and send checks to us. 
We just learned that the account for XXXX has a " hold '' on it and no one at Citibank can close the account except you. 
We no longer live or have offices near the branch. Please reverse charges, close all checking, savings and money market accounts for ( i ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX, and ( XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX, and send checks to us as soon as possible. 
If we do not receive confirmation from you today or tomorrow that the accounts have been closed and checks are on their way to us, we will contact appropriate Federal and State authorities. 
All check can be mailed to this address ( which address has been provided to Citibank online and in prior email ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, President, XXXX, XXXX and XXXX XXXX XXXX XXXX , XXXX ( a XXXX ( c ) ( XXXX ) non-profit ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LLPHR Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and related Savings # XXXX and Money Market # XXXX " Is there anything you can do to have these accounts closed and to end Citibank , NA 's persistent demands on us for matters that should not be occurring? 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX and XXXX
I had a mortgage through Bank of America. I was told by B of A that if I stopped making the payments for 3 months they would modify my loan and lower the payments, after not making the payments like I was advised B of A stated I did not qualify for a modification and actually raised the house payment to where I could not make the payment. I knew other people that had this same situation and they just stayed in the house until the bank forced them to leave. I left this was not right and I left the house and moved into a rental ( have supporting documents to show I was not living in the house ). Over the years I kept receiving phone calls and correspondence from multiple banks and/or mortgage companies wanting me to pay what I owed. I stated several times that I had left the residence and to please just foreclose on the property that I was not moving back in. In XXXX my husband and I were looking into purchasing a home. The mortgage company involved pulled my credit and stated I owed XXXX on my house. I stated that I no longer lived there and the house had since been sold and people were living in it. I contacted the mortgage company that was listed on my credit report and told them they had since sold the house so how could I owe them any money. I also stated that I had not been at the residence since XXXX and why was in not showing foreclosed? They stated they had just taken over the loan and that they showed the house did actually foreclose back in XXXX XXXX and they would update it on my credit, I also asked them how come it did not show a foreclosure sooner since I had left the residence back in XXXX? They stated they did n't know why they had just taken over the loan. My credit was updated and it reflected that the house foreclosed in XXXX. I tried to complain to the Mortgage company that I left the house in XXXX and that it caused me further delay to purchase a house because they missed foreclosing when I actually left, but no one would help me. I was then told I could purchase in a house in XXXX XXXX because it would have then been 3 years since the foreclosure, so once again I went this week to purchase the house I have been living in for 3 years and was advised that a mortgage company filed an Mortgage Insurance claim in XXXX XXXX for the me leaving the house. NOW I am being told I can not purchase a house until 3 years from that date? B of A has actually taken a foreclosure that should have only effected me purchasing a new house and know has make it to where I can not obtain a house for 9 years. This process should have been resolved and showed foreclosed back in XXXX and now I am being told I can not purchase a house until XXXX of XXXX. I will be forced to move from the house I am in with my children because of this and do not feel this is right. I was honest and moved out and did not live there for free. I need to know what action can be taken if any?
I was away for some medical treatment on Wednesday XXXX XXXX. I always leave my cell phone with a friend to answer while I 'm at the doctor. The call came in at XXXX XXXX. The phone rand and the caller ID registered as XXXX XXXX XXXX and the person at the other end of the line asked my friend XXXX XXXX if he was speaking with me. He replied no, said that I was ill and out getting treatment. My friend XXXX asked what the call was concerning, and the caller again asked if this was me and XXXX said no. XXXX asked again what this was in reference to and the caller finally told him that he was a debt collector calling to collect a debt for XXXX from a bill from several years ago. XXXX said he would not take a message and gave the caller my XXXX XXXX XXXX to submit the purpose of the call in writing to me directly. I contacted my lawyer once I heard this, and he said it 's illegal under the fair credit reporting act for a collector to disclose any information to a third party and he suggested i file a complaint here first. When I googled the phone number, it showed AFNI, who is a debt collector.
XXXX XXXX originally disputed my XXXX insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few XXXX dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department XXXX XXXX in regards to them not originally accepting my XXXX insurance claim and refund of the several prepaid years of the insurance policy.
Recently I received a debt collection letter from a company called Caine & Weiner with  amount of {$190.00}. The letter states the creditor is XXXX XXXX XXXX XXXX. 

I have never done any business with XXXX XXXX in many years so the creditor is completely bogus. The amount, of course, is also bogus. I called the collector and asked them what is involved, and eventually they mentioned it is related to an XXXX XXXX XXXX bought a few months back from an Internet seller named " XXXX Online shopping '' ( XXXX ). The XXXX XXXX is dead on arrival ( completely unusable ). However I could not contact the seller at all. The email address it provided is bogus ( email to it gets bounced back ). So eventually I contacted my credit card company to dispute the charge. The charge was eventually dropped since the product never worked. And I believe that the original seller is operating a scam business to sell non-working product and then tries to collect money from buyer via debt collection. 

Please investigate such fraud business. Thanks.
LOOKING OVER my credit report and I SEE it has addresses that I never live at on my Credit report. I am requesting that you promptly update and delete addresses that I never resided. Please see the attached copy of my utility bill for your reference. Please update my current information to reflect THE CORRECT INFORMATION XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM ALL OF MY CREDIT XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX CT, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX MODEL, XXXX XXXX AZ XXXX
I recently disputed ( see attached letter ) with XXXX XXXX XXXX an account entry that they placed on my credit report without providing a dunning letter or any correspondence that would have allowed me 30 days to dispute the validity of the alleged debt. To date, I have not received any communication from them. They are blatantly violating my rights by reporting this inaccurate, erroneous, unverifiable entry. 

Additionally, this account entry does not reflect a payment history which should be included on any entry that is reflected on my credit report. In my previous communication to them, I specifically requested that they provide an agreement that states their authority to collect on the alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date, and to date to no avail. 

As such, since they have refused to respond to my request and not provide any documentation to substantiate their allegations, coupled with the fact that they did not provide me a dunning letter is grounds for this erroneous, inaccurate, unverifiable entry to be deleted from my credit report.
I have disputed wrong information on my report since XXXX/XXXX/26, and I have not receive any disputed results from equifax
In XXXX 2015, the XXXX & their associates @ XXXX in XXXX, MO, failed to follow their protocol for obtaining pre-authorization ( s ) for my XXXX. 
They were notified by my Insurer, prior to my XXXX, that their requested pre-approval was DENIED, but they told me they had obtained the required approval ( s ) and they proceeded with my XXXX without notifying me of the DENIAL. 
They have since persisted in billing me for the XXXX, but have declined to persue their claim in court. Instead, they are attempting to extort me into paying money I do not owe - for their mistakes - by damaging my credit rating by filing Negative Reports with the credit bureaus thru XXXX!
On XX/XX/XXXX XXXX XXXX XXXX place a collection on my credit reports. I never signed a contract with this company. I notified them to send me a copy of my contract and they never sent the contract with my signature to. If I own you money then you would have paper work. I have disputed this on my credit and it was removed on XX/XX/XXXX, now XXXX place it back on my credit report today XX/XX/XXXX. This is fraudulent. If this complaint don't work. Im calling my lawyer. Im not going to allow any mess up my credit.
if am correct it was XX/XX/2016 I open an account with XXXX XXXX phone company I had phone lines after about 6 months XXXX XXXX called that am owing XXXX XXXX over six thousand dollars then I ask them how they said because I be using my phone to call XXXX, then, I told them this a lie from XXXX, I call XXXX using a calling card same thing I was doing with my XXXX phone which I still do till tomorrow and I have never have any problem with XXXX, then I ask them do I have a long distance on my phone they said no, then I ask them again did I ask for a long distance on my phone they said no, then I ask how come XXXX XXXX said am calling XXXX on my phone, then they came with another fraud saying that they will settle everything for {$2700.00} and I told them that is a lie from the pit of XXXX, then I did my researched on line I found out that this is a legal fraud XXXX XXXX has been doing with people lives. Sometime last year I received a letter from Equifax  saying someone from XXXX XXXX access my account with them, then late last year FBI from XXXX  wrote me that someone has been arrested using my identity and also I have a letter from XXXX dmv saying my car is in impound over there but since I have been in this Country I do not even know where is XXXX and now XXXX XXXX sent my information to a credit collection agency call XXXX my life is miserable because of XXXX XXXX fraud, pls help me all I need is justice
XXXX, equifax and XXXX show Hard inquiries on my credit scores and Summary.
Credit Control Company, has been reporting me for years of having a delinquent account for a cable bill that was paid on time with the cable company upon terminating my service. I have disputed this with the credit bureaus and I have had no resolution. They are even reporting the same balance twice under XXXX different accounts! They have not provided any substantiation of the debt and their customer service is awful.
. Aloha. My name iz XXXX XXXX, i waz seeking guidance about particular loanz on the live. chat option of the personal. loan section of the Wells Fargo website. with an. agent named " XXXX '' when he terminated. the chat. claiming .that. 'due. 2. the. nature of this conversation ' he could no longer " proceed ''. i am filing this complaint 2 affirm. that. my wordz were relative 2. subject and. that. the representative discriminated against me based on. my income. status. Furthermore, when. the chat. waz unceremoniously cut short, the option 2 'rate. this experience ' ( i.e. " did 'XXXX XXXX answer my question ) - Waz malfunctioning. This waz a very. serious. setback for my. company and haz compounded both the problematic nature of approaching a lender and. maintaining a sense of dignity at. the. same. time. i will appreciate. the response you would prepare for me and. am reachable @ XXXX.... XXXX.
I am an alien worker and came to US on work visa ( XXXX ) on XX/XX/2018 for first time. To start building credit history and confidence I was recommended that I should take a secured credit card by XXXX XXXX XXXX. Currently I do not have any credit history in the country. 

I applied for Secured Credit Card through XXXX  XXXX Website ( application number : XXXX ) on XX/XX/2018. XXXX XXXX requested for additional information ( a ) Passport ( b ) Social Security to be uploaded online for verification. 

On XX/XX/XXXX, I received credit card decline notice with justification that my address is invalid/incorrect. 
I have all address verification documents with me like Bank Statement with Address, Lease Agreement, Utility Bills and Insurance Records with Address available, but still without asking for any of these documents, which are valid address verification proof, they rejected secured credit card. 

I also validated with TransUnion and there credit report also shows the same address which was filled during credit card application. 

Due to hard entry of XXXX  XXXX credit card rejection/application on TransUnion Credit Report, other bank `` XXXX  XXXX XXXX '' also rejected secured credit card for me with justification " multiple credit card requests on file ''. 

Currently, I do not have any secured credit card / loan and I already got multiple hard enquries impacting my credit rating on the file. With this it is impossible to gain fast, reputed and good credit rating on my credit report
Between XX/XX/2017 and XX/XX/2017, I called Bank of America to close my checking account. During the call, the account was closed and I was told that the remaining funds ( about {$1200.00} ) would be sent to me within 2 to 3 days. After 9 days, I called again to see where my money was. The representative said that the funds arrive between 7 and 10 days from the date of closing the checking account. Now after almost 2 weeks, I still do not have my funds.
On XXXX XXXX, 2017 I sent a certified letter to XXXX, XXXX, and Equifax on behalf of myself and my husband regarding a Bankruptcy listed on our accounts. Per the FCRA 623 ( a ) ( 5 ) requesting validation with the original creditor. I have contacted the Bankruptcy courts and requested policy information regarding the validation of the Bankruptcy court records, as the information appearing on our files is inaccurate and inconsistent. Per the Bankruptcy court they have not only not received any requests to validate this information, they do not validate this information and they only provide the case number and name on a bankruptcy. As such there is another couple within the same county we live with the same names as my husband and I and our information is frequently confused when we have gone to assess our personal property and have received mail for the other couple from the Tax assessors office in the past. I have requested copies of the documentation used to validate this information and it has been returned to me again as verified without providing documentation. Per the FCRA 609 ( a ) ( 1 ) ( a ) I am now turning to you for assistance in this matter. And request that unless physical verification can be provided to me all information obtained in these listings which is inaccurate, inconsistent and erroneous be removed from our credit files. Instead, I am in receipt of letters stating that unless I provide new information to support my claim they will not be re investigating this matter again. The investigation never took place to begin with.
XXXX and Nelnet consistently refused and steered me away from Pay as You Earn and Revised Pay as you Earn programs and instead steered me toward multiple, consecutive forbearances from XX/XX/XXXX to XX/XX/XXXX. They sited error after error and continue to deny my application and forced me into forbearance repeatedly, adding a fee of {$1000.00} to my loan for each forbearance. In XXXX XXXX sold my loan to Nelnet who continues to deny my application and steer me towards yet another forbearance. My last application for REPAYE through Nelnet was in XX/XX/XXXX, they denied my last application because they said they did not like my pay stub because it does not show pay frequency and they said I also did not qualify because by paying early, I did not make 3 consecutive payments on time. They suggested another forbearance. 

I am trying to avoid foreclosure and bankruptcy and protect my family. I just want my REPAYE application approved so that I can start paying my student loan without losing our home and my sanity.