WillisBack/dataset-financial-user-claim huggingface dataset:
I have recently contacted the schools and the loan servicers in reguards to my student loans. I have received student loans from the schools in an attempt to persue a XXXX career, XXXX is the school which I was going to in the beginning and I was told I no longer qualified so I went to XXXX XXXX College who allowed me to go a semester and discharged me telling me I did n't meet the criteria. I then went to XXXX XXXX College where they told me after a less then a half semester that they were n't able to identify my records from lone star college. Upon starting school at XXXX XXXX College I received a diploma from a school which I was under the impression was an accredited high school which I later found out was not. XXXX XXXX nor any of the other schools verified this information and I feel as though I should have the loans forgiven or discharged since none of them schools verified the information and I was falsely certified your eligibility to receive the loan based on your ability to benefit from its training, and you did not meet the ability to benefit student eligibility requirements. I have since finding out the information contacted the loan servicer since unable to get any assistance from the college with no response to getting this matter resolved., The loans were originally with XXXX XXXX and have since been transferred to Nelnet .
My husband and I have had identity theft and have filed all the necessary documents to prove that it wasn't us on this one individual card called Zales who is taken care of by XXXX XXXX. At first they lost our paper work and that delayed the process we finally were notified that they received it but they weren't honoring it the paper work, the police report, the court documents etc. I am at a complete loss on how a company can try to get away with this. I have been in contact with an attorney and will sue if this is not handled in a professional and moral manner.
When I applied for the Amex blue cash everyday credit card in the second week of XXXX, there was an incentive attached to applying for this card ( online ). The incentive states that if you apply for this card by clicking the link provided that you will recieve 10 % back at U.S resteraunts on the card within the first 6 months of card membership, up to {$200.00} back in statement credits PLUS earn {$150.00} back after you spend {$500.00} in purchases on the card within the first 3 months of card membership. I called AMEX in the beginning of XXXX inquiring about the {$150.00} statement credit in which I have spent well over {$1000.00} within the first month or so of membership with this card and payments in good standing, for a rep to tell me that it usually takes 6-8 weeks. I recently called again last week because that time frame is approaching only to be told that there are no offers attached to my card? This promotion is currently still running and appears frequently while I am online surfing the internet. It appears even if you navigate to the American Express Website as well. This offer was one of the main reasons that I applied for membership with Amex.
XXXX, XXXX, and Equifax are showing the only ADVERSE ACCOUNT on my credit report to be a XXXX XXXX credit card which I do not have and have never had, a XXXX XXXX credit card. 
On a phone call with XXXX they confirmed that the SSN for the XXXX XXXX account did not match my own but they have not removed the false information from my credit report. I have made the same complaint to XXXX. They know the charge is not mine but have yet to remove it. 
It has been almost a year since I have contacted them and they still have yet to remove the data from my report. 
These agencies have caused me serious distress and have lawlessly disobeyed the requirement to remove false data within 30 days of confirming the inaccurate information.
I was going over my report and found XXXX XXXX # XXXX listed on my credit file. I have never seen this account. I have no knowledge or memory of it. I am demanding a investigation of this information. I need to do my own research as well. I am requesting a CEASE AND DESIST until I can further go over the records or contracts.
Wells Fargo Home Mortgage failed to send me a notice that my payment was due like they usually do and then charged me a late charge. 

On information and belief, they often fail to send the payment due notices in order to make additional fees on rush payment charges and late fees. 

Worse, XXXX different employees at Wells Fargo Home Mortgage told me they WOULD remove the late charge, but then on XXXX XXXX, XXXX they sent a letter saying they would not remove the late charge. 

This delay, obfuscation, and attempt to mislead a consumer was apparently done to confuse and make consumers lose their documentation regarding the issue.
paid off a home equity account on XXXX to XXXX XXXX who was a debt collecter for PNC bank for XXXX dollars. total debt was for XXXX. before making final payoff payment, was instructed that the XXXX dollar payment was the amount needed to pay to clear debt in full according to XXXX associate. now trying to refinance existing home to a 15 year mortgage and am running into credit issues with what several mortgage companys are calling a debt settlement. the miss information i received from XXXX is not allowing me to refinance my home. i paid the total of XXXX, but apparently some late charges were taken off. trying to do the right thing. need some help, thankyou ..
From XX/XX/XXXX to XX/XX/XXXX account my wife and I ( XXXX XXXX & XXXX XXXX XXXX ) made payments to our home equity line of credit with XXXX XXXX XXXX ( A/C # XXXX ). Our payments were made according to the terms of the loan and in excess of the amount due each month. In XX/XX/XXXX and XX/XX/XXXX,  payments were made, and subsequently returned to us because, according to XXXX XXXX XXXX, we were not paying less than scheduled amount. This payments were no different from the ways we have made payments of HELOC in terms of paying more than scheduled amount by XXXX XXXX XXXXXXXX. Therefore, the only two months where payment failed to post to this account were due to payments returned by XXXX XXXX XXXX. 

In addition, the payments which were designated as late on the attached credit report are not designated as late payments within the XXXX XXXX XXXX system. Please see transaction dates between XX/XX/XXXX and XX/XX/XXXX vs XX/XX/XXXX and XX/XX/XXXX. As you can see from the XXXX XXXX XXXX print out, also attached, there are illogical and indiscriminate late payments/fees associated with the account XXXX. There should be no such notations since payments were made every month as required for this HELOC, from XX/XX/XXXX to XX/XX/XXXX.
I received a call from a private number notifying me that I had been served and to call XXXX and provide case # XXXX. I called that number an the company did not identify themselves until I asked who I was calling. I was transferred to a man named XXXX who proceeded to tell me I owed a Payday Loan from 2010. He had details of an old bank account and old email address of mine. I asked who had called and told me I had been served and he answered a courier company had called me to notify me of a pending judgement. I think this debt is too old to collect on and am not even sure I still owe said loan. He gave me XXXX options for payment and told me I had to pay them something to allow him to put a stop order on the judgement where it would end up costing me $ XXXX to take care of. I told him I would n't and could n't guaranty anything until I had time to thiink about it. He kept pushing for some type of payment which I refused to give. As far as I know thay are not even licensed in the state of NC to be able to collect a debt. I 'm furous that I had to hear about this from a courier company who tells me I 've been served. Is that legal??
Yesterday, I received a letter from  XXXX  XXXX  XXXX  with an address for Chase-  XXXX    XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX  with a request to send proof of tax payment before  XXXX   XXXX ,    2017  or to fax  XXXX . They claim that as of  XXXX   XXXX ,  2017 , there are outstanding taxes for the property.   I called  Chase  customer service this morning and the customer service representative verified that we do NOT have an escrow account with  Chase  and then added the tax  specialist  to the telephone call. The tax specialist said the letter was a courtesy letter so  the   county  would NOT take our property for unpaid taxes. I verified on-line in public records that the taxes had been paid and the date paid is before  XXXX   XXXX ,  2017 .   I also went to the tax collector 's office and got a receipt yesterday afternoon.   The tax  specialist  did NOT answer any of my questions. The telephone call was NOT recorded in its entirety, the beep of recording began after I asked the tax specialist who sent the letter and would I receive another letter with resolution of the information in this letter.   I 'm angry, because for a courtesy letter, it said that they did not receive a response from us by  XXXX   XXXX ,  2017 , Chase would pay all outstanding taxes and penalties and interest for the property. We may also establish an escrow account to pay future taxes, which will cause your monthly mortgage payments to increase.   Important  Legal  Information This communication is an attempt to collect a debt and any information obtained will be used for that purpose. However, to the extent your original obligation was  discharged  or is subject to an automatic stay of bankruptcy under Title  11  of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter  ( including our use of the words " your, '' " loan, '' " mortgage, '' or " account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to foreclose on the property.     If you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number.    XXXX   XXXX   Order  :  XXXX  Please help us to resolve this issue.   Thank you.
I have never had a late payment in XXXX years. When my loan got transfered to ocwen they have reported me as late every month since. 
I have sent ocwen transcripts from XXXX bank on at least XXXX occasions. XXXX sends the payments on time every month. 
ocwen just sent me a foreclosure notice based on late payments. 
THERE HAVE NEVER BEEN LATE PAYMENTS!! 
My home is being STOLEN from me by fraud. 
I sent a copy of XXXX 's payment info to CFPB and they sent me a list of things to send to them XXXX of which was the list I had already sent them!! 
Since XXXX wires the payments most of the things on that list never existed! 
I have asked ocwen XXXX of times to tell me which payments were late. 
ocwen totally refuses to do this.
Hello, We have had several aggressive lenders coming after our family over our past debt. They call me or call my family members asking for me. When we answer the phone, they start yelling, saying that " They are n't playing any games '', or say that they have pending lawsuits in my name and try and get my personal information from my relatives. They have sent letters to my home trying to bait me into making payments by offering discounts and payment plans. All of my major debt is over eight years old. The statute of limitations in my state, California, is four years. My credit report still shows my old debts and I am unable to move forward. I do n't know where else to turn for help.
At the time of the lease agreement, I was under legal age to sign lease agreement. I was still in XXXX school and on the lease we agreed he was head of house hold. I had no job just school That was also written on the lease XXXX.
the collection agency NCC Business-service put a alert on my XXXX XXXX credit without my permission, also they puts XXXX account of the same item, that is not mine.fraudulent accounts, ghosts item
I disputed this to the company wells Fargo that is involved with credit bureaus and nothing was done, the car in question the XXXX  XXXX XXXX that this is about that I bought XX/XX/2018 I returned the vehicle to the place I bought it at which was XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX it was a personal repossession in which XXXX XXXX was informed about, they told me they were going to file all the paperwork letting everyone know yet they filed nothing, and I am now still be harassed by wells Fargo and threatened for a vehicle I do not own anymore, XXXX XXXX hasn't done what they said they were going to do and file all the paperwork, now the fact is wells Fargo keeps attacking both me and my credit report, in letters threatening me that they are going to repo the vehicle, now how can they threaten me that they will repo a car when I don't own it? The other fact is if XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, MA XXXX isn't properly filing there paperwork why is it that ex customers have to keep being threatened cause they don't file the paperwork properly, the fact is wells Fargo is just as much to blame cause they refuse even after a dispute to go or call XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, MA XXXX to verify that the vehicle was indeed returned as a personal repo already instead of threatening me all the time, the fact is the credit bureau don't do XXXX to actually fully look into it.
To whom it may concern : This is a formal notice of dispute regarding information that XXXX XXXXXXXX XXXX sent to Chexsystems and XXXX, a consumer reporting agency. 

The following false information was sent to Chexsystems and XXXX : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 
This information was disputed with Chexsystems and XXXX on XX/XX/2017 ; however, XXXX XXXX  XXXX verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 

XXXX XXXXXXXX XXXX reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

XXXX XXXX XXXX did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to Chexsystems and XXXX XXXX Consumer Serivces. 



Sincerely, XXXX XXXX
I contacted Transunion on several occasions Asking for these address to be removed and nothing has happened i have spoken to managers and supervisors and still no one has fixed this issue. i called in XXXX, XXXX, XXXX, XX/XX/2018 the address is still being reported
Experian is not responding to my request to investigate, verify and remove accounts from my credit report per The Fair Credit Reporting Act.
Account XXXX 1. The Consumer debt was sold to a Non Register California Debt Purchaser XXXX XXXX XXXX XXXX XXXX based in Texas as of XX/XX/XXXX. The company does not need a license, insurance and bond to collect it's own debts from California consumers. But the company was not register of their entity with the Secretary Of State Of California to do business in California. That is the State Corporate law. I had complain to The Secretary Of State, the State Attorney and to XXXX  in XX/XX/XXXX and in XX/XX/XXXX the debt buyer removed the account from all three credit reports due to not following the California Corporate law of registering their entity. The debt is not collectible or other wise the debt buyer would still be on my credit reports. All my complaints that I had filed. BBVA Compass is avoiding my complaints regarding the issue..

2. BBVA Compass had abused my credit files. I had attached all three credit reports from XX/XX/XXXX through XX/XX/XXXX and a few from XX/XX/XXXX to the complaint. I had sent the same reports to BBVA Compass by email and it was ignored. I would like for BBVA Compass to take a good look at all 3 credit reports and let me know what you see. The account is not reporting accurately and it should had been stopped in XX/XX/XXXX when the account was sold. I had filed a dispute and the dispute took more then 30 days. The Account should had been removed from all credit reports. If you have any question please let me know. I hope and pray that you would have compassion and see that my credit reports been misused. It is only fair that the account be removed.

BBVA Compass had said many times in other complaints and emails that they don't have any records of BBVA Compass reporting the negative account on their system. That is why they can not send me copies of the records of when BBVA Compass reported the negative account in Jan through XX/XX/XXXX. It is my word against BBVA Compass because I got the proof of the misused of credit reports. Why deny it? All my complaints that I had filed. BBVA Compass is avoiding my complaints regarding the issue..

3. Because the account is in my name that I did not apply personally online for the consumer credit under a faults income ie Business Projection Income of {$100000.00} to start a business that was less a year old. My income yearly {$10000.00} XXXX  XXXX. BBVA Compass knew that. BBVA Compass business partner XXXX XXXX  goes online five days a week filling out personal credit application for clients with many banks. If approved BBVA Compass has another costumer. I got proof. All of that should be against the law.

PS I had requested the contact info to the collection manager and it was refused.
In XXXX and AXX/XX/XXXX XXXX did not post payments to my XXXX 's account in a timely manner. I have repeatedly provided documents from XXXX XXXX   to prove those payments were made, in full and on time. XXXX charged late fees for bills paid in full and on time. Then they repeatedly charged additional late fees for the unpaid late fees until they got to {$290.00}. They stopped charging the late fees when they " ACKNOWLEDGED '' that they had in fact received both payments on time and in full : XX/XX/XXXX paid in full {$370.00} XX/XX/XXXX paid in full {$170.00} In spite of the fact that XXXX provided the documentation proof, XXXX did not remove the charge for late fees of {$290.00}. Several collection agencies call and harass me and my family trying to get ILLEGAL FRAUDULENT late fees paid. They continual add these late fees to my credit reports as NEW items hoping that I will just pay them anyway
I had a student loan from XXXX XXXX from XX/XX/XXXX. This loan is paid off and closed on XX/XX/XXXX. There was no late on this account. XXXX and XXXX never reported any late for this account.But on Equifax file a 150 days late showing XX/XX/XXXX.The previous 4 months starting from XX/XX/XXXX- XX/XX/XXXX, it shows no late.All of of sudden a late of 150 days showing for XX/XX/XXXX.If a student loan is late for more than 120 day, it goes into default status but in this case there was no default reported.If previous 4 months showing no late or payment made on time then how would it be 150 days late in just one month. Equifax has no answer for that and every time I dispute the account, they report back as verified.
Citibank is still reporting inaccurate information on my credit reports XXXX. Both agencies reflect the account was paid in full back in 2011 but continue to report the account as a charge off. I need this account removed as they continue to damage my credit & are supplying the bureaus with inaccurate information.
Hello, I have been trying for months to cancel the credit monitoring service from Equifax. The only option available is to call in and cancel but I am never able to reach anyone. I just sit on hold for hours. Please help!
I have sent several letters to the reporting agency. It has been more that 45 days since they received my letter yet I have not received a response nor have they corrected the errors involved
I have a car loan with Huntington Bank. I filled out paper work with Huntington to initiate auto draft for loan from bank account. Two days prior to the day my payment was due, I called to confirm it was setup correctly and good to go. They confirmed it was setup correctly. Huntington bank drafted the money from my account on the day the payment was due. Few days later, I got a call from Huntington stating that my account was past due. I sent them copy of my bank statement showing that money was taken out of my account by Huntington for the loan. They told me the issue will be resolved in two days and I would get a phone call. Nothing happened and I called back two days later and gave them additional information my bank provided that could help. I was again told they are working through the issue and they would call me in 2 days. Two weeks passed and nothing came out of this. In the meantime, I kept getting letters in the mail stating that my account is past due and they are sending it for collections and charging late fees. I called again this Saturday, they said they don't have any information and can't even tell if my account is even set up for autodraft. They kept me on hold to check for over an hour and then hung up. They never called me back. My account will be autodrafted on this Tuesday for loan payment. This should have been fixed two weeks ago but no one has been able to help me. Instead, I get pushed from one person to another. I called back today and additional {$400.00} has been drafted from my account. Now they are telling me they never called back because they didn't have a proper phone number to call back when I had them update my phone number over two weeks back. In addition to that they are saying that I was never setup for autodraft even though they saw copies of my bank statement. They are asking for copies of checks which I can not provide because I didn't write a check and it was autodrafted. I don't know what to do at this time and I am beyond frustrated.
I have made XXXX significantly sized payments, $ XXXX each, on the mortgage company 's website specifically indicating that the payments were to be applied to the principal. However, in XXXX instances the payment was applied as 'unapplied cash ' and did not reduce the principal of the loan. Thereby, the interest being accrued daily is overcharging me. 

On the first instance of the payment I contacted the mortgage company and was advised it would take a day for the amount to be reposted correctly. It did not. Instead it took four days of my checking and persistent calling for the large transaction to be correctly applied against the principal of the loan. Hence, an incorrect calculation of the daily compounding interest went on for four days. 

I advised mortgage company at that time I was going to make another payment against the principal. Same outcome. The payment was applied to 'unapplied cash ' and not to the principal of the loan. 

In light of these transactions it can only be concluded that there is a systemic problem with Freedom Mortgage company and how they incorrectly handle principal only payments. They do not apply these payments correctly and the debt holder is the one that bears the brunt as they have an over calculated daily interest amount owed. If it had not been for my repeated follow up, I do n't think the payments would have ever posted against the loan principal. How many other consumers may be have had the same issue but did not realize the mortgage company 's improper book keeping that accrues interest in their favor? 

An authority really needs to review how this company conducts there business as I suspect there are many others that have had interest over charged on their loan.